Podcasts about manuals

In this episode, The Annuity Man discussed:  What does "zero is your hero" mean Dirty tactics that agents use to sell annuities  A more rational alternative to the CD product  Zero is not your hero    Key Takeaways:  The phrase "zero is your hero" means that when the market goes down, you will not lose any money. In this world that we live in, you should always be getting some interest on your money.  Be wary of these two dirty tactics agents use to sell annuities: back-tested numbers and upfront bonuses. Don't base your decision on the past; base it on the future. Don't buy a product for the upfront bonus. Also, there's no such thing as a "market upside with no downside."  Instead of buying a product where you're locked in for seven to ten years, why not buy a MYGA? It's a CD product where you can lock in on shorter terms of one, two, three, four, or five years.  Zero is not your hero. If zero is your hero, you might as well dig a hole and put all your money in it. If anyone tells you that zero is your hero, just tell them to shut up. Be rational, don't buy the dream.    "Zero is not your hero. We are in inflationary times. I don't care if we're in inflationary times or not; you need your money to grow. Period. " —  Stan the Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man and Rick Ferri discuss:  Outperforming 90% of investors  Developing a simple portfolio  Five ways to improve your portfolio Facing the risks   Key Takeaways:  Investing is not as difficult as others would have you believe. The best way to invest is to keep things simple; the fewer moving parts, the better.  Develop a simple portfolio that will hold four funds, two stock funds and two bond funds. The bond funds have to be some fixed income type of allocation, while on the stock side, you do a stock market index fund and a total international fund.  Are you going to be active or passive? Select a portfolio strategy. Determine whether you're going to be aggressive or conservative and assess if you need a higher rate of return and if you can handle high volatility.  In bad times, remember that "this too shall pass." Investing doesn't come without risk. Everything in life has risks. Even burying your money has a risk; inflation will eat away at its value. It's better to face the risk.   "The idea is simplicity. Be simple, be low-cost, be consistent, stay the course, be tax-efficient." —  Rick Ferri   Connect with Rick Ferri: Website: https://rickferri.com/  Facebook: https://www.facebook.com/TheIndexer/  LinkedIn: https://www.linkedin.com/in/rick-ferri-cfa-b6994010/  Twitter: https://twitter.com/Rick_Ferri  Books: https://www.amazon.com/Richard-A.-Ferri/e/B001IGJTE8%3F    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

In this episode, The Annuity Man discussed:  How chaos leads to both risks and opportunities What contributes to financial uncertainty? Maximizing lifestyle and financial security Locking in guarantees    Key Takeaways:  Political chaos leads to both risks and opportunities in investments, especially regarding annuities. Market volatility and potential government actions (like new cryptocurrency regulation) create financial uncertainty. Evaluate your age, health, and risk to maximize lifestyle and financial security. Locking in contractual guarantees such as lifetime income and principal protection helps prepare for uncertainties.   "Political chaos equals opportunity for locking things in. For contractual guarantees. You have opportunity for lifetime income guarantees." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Christian College Sex Comedy: Part 27 Appreciation? In 30 parts, By FinalStand. Listen to the podcast at Explicit Novels.             Children must face the scrutiny of their parents     The Dining Hall was almost a relief. That relief died the moment I saw the banner over the front of the serving area in the Hall. 'Zane Appreciation Day'. Since every word was spelled correctly, it wasn't some stunt of Rio's, but beyond that, the list of suspects was too large to consider. This could be a genuine outpouring of acceptance and sympathy for what I had endured here. If you believe that, I have to ask you: 'Do you want your leprechaun pissing Guinness or Irish Malt?'   Most likely, this was going to be some sort of humiliation, and I think I knew the flavor, and I definitely knew how to find out. See, in every seat of the Dining Hall was a big, bowling ball sized white box with a name and secured with a gold and green ribbon, so no cheating; no peeking. That last bit didn't deter me, though. I snuck up on the box marked for Holiday Carpenter.   "Zane, does that have your name on it?" Virginia Goodswell asked me, my English teacher and Spiritual Advisor. Hell, if it had been Mrs. Marlowe, I would have opened it anyway, but Virginia was my buddy so her next question didn't mean to stab a stake of regret through my heart. "Where is Vivian?"   "I left my room before she was done." I looked to the ground while I kicked some imaginary dust off the slate floor.   "Why don't you see if she's been calling you?" she suggested. "She's probably worried." Worried, or homicidal because, ya know, I had sort of run off without my phone, wallet, watch, book bag, or anything else a 21st century student might need.   "I ran away like a big, fat chicken," I confessed. "Anything not glued to my body I left behind."   "I'll give her a call." She pulled out her phone and hit speed dial #2. I crap since her sick mother is probably #1. I am such a big problem for her, she has my guardian on speed dial! "That is Holiday Carpenter's box, Zane, not yours. Besides, there are strict instructions to not open the boxes until instructed."   The panicky response I overheard from Virginia's conversation with Vivian hardly helped my mood. She wanted to know if Virginia knew where I was, she did; that I was okay, I was; and finally, what upset me, because the other girls weren't talking but apparently Mercy had started slapping Barbie Lynn around until Rio and Val pulled her off. Now, that made less than no sense. Wasn't that supposed to work the other way around?   Virginia did a double check and sure enough, Mercy had slammed Barbie Lynn into an open wardrobe on my behalf, and Rio and Val had pulled her back. WTF! I am sure that Rio was right beside me on that one. Vivian triple checked that I was physically and mentally okay and she sounded so disappointed, in herself, as she did so. She was bringing my stuff; yes, I am an earthworm. Virginia promised for me that I would remain here until she arrived.   Some stupid gesture like a loud public apology, done on bended knee, was blatantly unfair to Vivian, who only meant the best for me. I made a quick apology, not trying to meet her eyes as I said the words and took my stuff. All of 'my' girls seemed equally subdued. A minute after we had garnered our victuals, Vivian put a hand on my elbow.   "Don't be so hard on yourself, Zane," Vivian smiled warmly at me. "You take a lot of stress and pressure on yourself. I understand that from time to time you need to take in a tiny bit of private space for yourself. Clearly, you can't schedule any such time because nothing around you stays a secret for very long and no one respects your privacy or even asks what you need."   "Vivian," I was puzzled, "you deserve to be righteously pissed with me. You are my Guardian and I promised to stay by you or at least tell you where I was."   "Zane, we let you down," Vivian assured me. "It is your dorm room and we are your guests, and we have been rather poor guests at that."   "How about we call a truce?" I offer.   "I can live with that," Vivian smiled.   "Cut the Kumbaya-time, kids," Rio snorted derisively. "Zane, what the fuck happened with Mercy?" Rio playfully punched Mercy's arm to emphasize her uncertainty.   "Rio, Bro, drop it," I asked sincerely. "Act like it didn't happen." Rio studied me a second, then got this wickedly evil grin.   "What the hell are you talking about, Glenda?" she hefted the box up then shook it. "It seems my damn box is glued shut. Are we celebrating one thousand cunts licked by you, or what?"   Because Rio rarely expounded at a level below full volume, next thing we hear is Mrs. Marlow snapping, "Ms. Talon, watch your language; there are good Christian women being forced to sit within the sound of your voice!"   "Gotcha, Ms. Mouthful," Rio snapped off with a snap and a finger raised up like a pistol in the air.   "What did you say?" Marlowe closed the distance.   "She was repeating what I pointed out," I turned and smiled. "I said that you really had it going together this morning; that you were more than a mouthful. That's a hip/trending term to describe someone who is expressing themselves through clothing and make-up."   "You are lying, Mr. Braxton," she snarled.   "You are probably right, as I do so to you on general principle, but good luck proving it in student court," I grinned right back. We locked wills and she blinked first.   "Ms. Phillips," Marlowe turned on Vivian, "what are you going to do about this?"   "Zane and Rio, would you please apologize for being rude and insensitive to an educator who only wishes the best for the student body?" Vivian requested.   "I so apologize," I bowed my head.   "I so apologize as well," Rio tacked on. Only after Marlowe had gone to spread love and sunshine somewhere else did Rio lean across me and whisper to Vivian.   "You rock!" Rio giggled gleefully. After all, Rio and I had not apologized to Mrs. Marlowe because neither one of us believed for a minute that she was 'an educator who only wishes the best for the student body'. To that nameless entity, we owed a debt, and to Mrs. Marlow we owed a generous 'fuck you,' and Vivian had made it all possible.   "Why, thank you, Rio," Vivian nodded her acceptance of Rio's praise. "Jesus is the Peacemaker and we all should attempt to emulate his teachings."   "So, I still don't get to lick you senseless?" Rio snickered.   "No, no, you don't," Vivian smiled, even though she didn't look at either of us. Vivian's going to rock as a mom.   The next half hour passed quietly. Everyone was curious about the boxes but no one was too worried until a rumor suddenly appeared. When it was suggested that they might have to put on bikinis, the fear set in. I blamed, I don't know but I wish I had thought of it. I was still kicking myself for the missed opportunity when my alien with the right face black and left face white shows up with the right face white and left face black, Mhain and Millicent.   "Death Match and you get to referee," Rio teased me. "I'm so jealous; 500 bucks on the one with the soul." Mhain glared hate at us while Millicent looked more than amused.   "Zane, come with us," Mhain gloated. I figured that somehow my ordeal was coming to an end so I'd play along. I rose and they steered me to the largest exit, flanking me.   Christina and Company grabbed their boxes and jumped up quickly to follow me, though they looked as confused as I was, confirming none of them were the architect of my discomfort. No sooner had we stepped into the cool, sunlit lawn than everyone's phone rang, except mine. I was loving this, right up there with having sandpaper buffing my sunburned abs.   "Open the box and follow the instructions," Christina informed me. "Is anyone going to do this?" My phone vibrated once, then my whole body tingled before I could respond to the call.   "I am," Mhain gloated. "I was promised something." She knelt and opened her box with enthusiasm; the others did likewise but at a more sedate pace.   What came out of each box was almost identical, different only in the anatomical part of the body indicated by the instructions. The objects were all grapefruit-sized fur-balls that made darling little squeaks, squeals and murmurs, amongst other sympathetic noises, all in tiny little voices. They were to be placed on my body, but I didn't know how that would work.   "Are we going to do this?" Chastity began to say.   "It isn't sticky," Hope was also saying when Mhain's flew out of her hand and hit the side of my left knee. She reached out carefully to retrieve hers while the other girls circled in. The little darlings were proving to be resilient little bastards. Several more leapt at me from the hands of their owners.   All this time the furry grapefruit were giving little 'wee!' noises when they shot at me and screeched like demons when they were removed, which was painful when they were on my flesh. I knew who was responsible and she was going to pay, but not right now. I saw my closest allies pulling back.   "TLM, Christina," I sighed in resignation. "Let's get this over with." I was being totally self-sacrificial; girls were starting to pile-up on us coming out of the Dining Hall. I didn't want a riot. Mhain had technically tagged me first but not in the designated spot, so I had Christina go first, she put one over my heart, not that I thought Cordelia was stupid, but now she was just piling it on.   Mhain went next and she was sizzling and excited, she put it on my lips, shutting me up. At least the girls were polite and organized enough to come at me patiently. A few didn't get the 'memo' and their little rug rats slipped out of their owner's grasp and got to play gleeful kamikaze as they plowed into me.   It didn't hurt but I had this secret fear that the tiny terrors would sprout fangs and tear into me. These little guys were murmuring and mumbling and it wasn't until I was truly buried that a horrific realization was made, the more that were on me, the greater their clinging power. In retrospect, this would have been more useful if we hadn't passed the 700 mark.   I looked like a puffy, overweight, Sasquatch baby. I could move but sitting down was a dream, as was running or going to the bathroom. The damn things wouldn't shut up either. It fell to Hope and Iona to hurry me (as much as possible) to Assembly; you know that place where I 'sit' in front. At least no one could ask me anything with the expectation of receiving an answer.   I no longer wondered how bad it could get; I knew it would get worse, and while I didn't know how, I knew it would be soon. At the start of Assembly my little friends joined in the singing, not using words but in the tinny little noises they made, though admittedly they were enthusiastic and determined. But it gets worse.   There was a discussion on stage after that fiasco about removing me. Chancellor Bazz wanted me gone; Vice Chancellor Scarlett was not in attendance but Virginia took up my cause. After all, it wasn't my fault, she claimed.   "Well, Black, do something," the first three rows heard Bazz demand of our Head of Security.   "I am not an engineer or a chemist," Black replied. "Do you want me to shoot them off him?"   Oh, yeah, my girl Bazz wanted that, so bad. Of course, what she really wanted was for Black to miss, but that wasn't going to happen. Finally, the teachers decided to soldier on. When Chancellor Bazz stepped up to begin services, the frightening fur-balls belted out 'Hail to the Chief.'   No one said a word, not a murmur. Chancellor Bazz stopped and the munchkin chorus stopped too. Two more starts later and she gave up and grudgingly took the 'praise' from my infestation. They were good throughout the message and sermon but took up 'Hail to the Chief' when she tried to leave the podium.   "Do something!" she screamed at Black. This time, Gabrielle sedately headed my way. I didn't want to think of the pain coming my way. My little buddies had my back. When she got within five feet the all screamed, and I mean SCREAMED, in the loudest cacophony most of us present had ever heard. I saw something I thought I would never see; Gabrielle flinched.   Not so oddly, I was fine, hearing almost nothing. The little guys on my ears soaked up the sound so I received a very watered-down version of what they were doing. Gabrielle fell back and at the five foot mark, the little guys shut up, mostly. They seemed to be making comforting noises to one another, like one Zane-sized colony of brown mold.   "Get away from him; just get away from him," good old Doctor Melrose Bazz pleaded as she moved her hands away from her ears. "Braxton, you stop this right now." I had a wee beastie on my mouth and Bazz was not on the small list of people I would devour this thing for. If she's looking for a conversation today, she's out of luck. She throws her hands up in desperation and starts to storm off. My little cock-sucking furry gonads (yes, I was getting angry) fired up 'Hail to the Chief' yet again, and kept at it until she sat down. Virginia got to thinking it's appropriate to call for the end of this travesty but she's dealing with Cordelia Dresden, Top Gun of the Time Lord Mafia. The weapon of choice; 'She's a Lady' by some guy named Tom Jones, the ladies in my life will inform me about this later.   For a half a second she tries to fight her smile but she surrenders, even letting the little guys go through the entire score before talking. The little tinny voices were humming a song I didn't know but damn it, it made me want to take Virginia out to a smoky Jazz club and dance until the sun came up. Virginia actually started tapping her foot to rhythm and I began thinking I might not be able to beat Cordelia. I'm not used to that sensation.   "Okay, now, whoever is doing this has put Zane through enough and should remember that we should, as Christians, make students feel safe and not make them subjects of humiliation," Virginia addressed the student body. "I think we can end Assembly fifteen minutes early today for a little bit of Christian charity. We can do it at Zane's first class, 204 Denning Hall."   By the way, I apparently have a play list. As Virginia headed back, the fella's changed it up with 'Baby Got Back'. I wanted to die. Virginia Goodswell has a truly fine ass, of this there is no doubt, I often compare it to Barbie Lynn's, but please. Virginia stopped, turned toward me with a dazzling smile and waggled her finger at me, then resumed her way to her seat.   How is any of this my fault? I imagine I was lucky it wasn't the Thong Song. I would have died, then come back as the undead to take Cordelia to hell with me. It was with some relief that Vivian and Hope rallied to my side. They had to both keep other students away, the other girls loved poking me in different critters to make them call out in different pitches and tenors, which was pleasant to hear if you liked overdosing on helium.   Surprise, surprise; no one came to my succor before English class. I couldn't sit down. Okay, I tried, but any part of my body that bent or that I sat on screamed bloody murder until I got off of it or stopped putting on the press. I've heard about girlfriends like this but I've always assumed I would have the courage to jump out of a 50 story building to escape.   What do you do if they come with you when you jump besides basking in the vicarious thrill that comes from crushing half of them beneath you before you go? I managed to do okay standing in the rear of the class, only once giving in to the crushing fatigue of holding my arms somewhat elevated for two hours. The two under my arms were especially cooperative and didn't get too vocal when my arms did slip to my sides.   I couldn't do a thing about the occasional girl twisting in her seat but either Raven's glare or Goodswell's cough brought their eyes forward once more. At the end of class, Virginia decided to call Ms. Black and have her take me to the Vice Chancellor's office to end this matter. Vivian and Mercy provided support while Gabrielle kept her distance and cleared a path.   Rio helped out by playing my musical miscreants as if they were a drum set while some part of the 700 members of my new posse and I yelled at her to leave us alone. She really is my best friend. My tragically slow pace was not my friend and everyone had to depart for their classes before I finished the arduous travel to the Administration Building. Gabrielle's eyes measuring you for a casket is a remarkable motivator but didn't stop Rio from blowing a kiss to her "Mi Negro Naughtiness". I know, I know; one day, Rio is just going to vanish without a trace.   "Ms. Reveal, I need an emergency meeting with the Vice Chancellor," Ms. Black requested of Doctor Scarlett's personal assistant. Ms. Reveal didn't miss Gabrielle keeping her distance from me. She did make the call and I noticed the pictures of Ms. Mittens were still in evidence.   "Who are you inside that suit?" Ms. Reveal asked me.   I guess she assumed I wasn't a real baby Sasquatch; I was really a baby Sasquatch disguised as a half-baked marshmallow. If three geeks and a man working beneath his means jump out at me with proton-packs, I am running for my life, which is to say 'I'm going to die.'   "This is Zane. He is not being rude, he can't speak," Ms. Black was kind enough to cover for me.   "Oh, I understand," Ms. Reveal nodded, but in such a way that expressed she didn't understand anything. "You two can go in now," she said several awkward seconds later.   "Zane, you move as close to Ms. Reveal's desk as you can while I get the door for you," Gabrielle instructed me. "Come in when I call for you."   I'm sure Marisol Reveal was curious as to why Gabrielle was dancing around me, trying to keep her distance. We almost made it; right as she made it to the doorway, Doctor Scarlett opened the door and attempted to see what the delay was. She was actually putting an award on a shelf she had just received, the reason she missed Assembly, if you find that suspicious, and was placing it on a shelf near the door.   Gabrielle responded as any slightly unbalanced killer would do; she spun around, pulled out her gun from the unseen Realm of the Gods of War, and pointed it at the stunned Victoria. That took her one half-step too close to me and my little fellas let the world know it. I will give them this much; they were still defending my eardrums.   By the way Marisol was holding her ears as her tears flowed down her face it must have been pure agony for her since I was right next to her. Gabrielle scoped up Victoria and sprinted into her office and they obediently shut up.   "Za-, Zane, what was that?" Marisol blathered. Since the furry meatball gone bad was still on my lips and I hadn't become that hungry, I kept my silence.   "Zane!" Gabrielle called for me. I did my best to shrug but it wasn't like I had a neck anymore so I don't know what she made of my movement. I shuffled to the door and got a few good squeaks as I moved inside. I was more than a little disturbed by the reaction I received from Doctor Scarlett when she saw me from her seat behind her desk. She looked at me and I swear, hand to my heart, she had an orgasm.   "You are covered in Tribbles," she gasped. I had no fucking clue what a Tribble is but apparently, I was in the vast minority. I staggered forward and since Gabrielle was on the right side of the room, I angled to the left. I move halfway around Doctor Scarlett's desk so that Gabrielle could go close the door, where she took up post and, from what happened next engaged a Romulan Cloaking Device, whatever the Muggle-tech that is.   Victoria was in some sort of dream-like trance. When she started stumbling around the desk toward me, I waited for the musical assault that never came. To my credit, I caught on in a second. If these creatures existed, singing wasn't their normal activity, and Cordelia wanted these little 'Squeaky Meals' to be as real as possible, for Victoria. I was nothing but bait.   Victoria reached out to caress the same one Christina had placed over my heart. The little bugger cooed and Victoria clamped her thighs together to contain another orgasm that coursed through her loins. Cool, all I have to do to feel the wonders of Victoria Scarlett is dress myself in furry grapefruit. I'm kicking myself for not seeing this obvious ploy.   She touches more and each makes a subtly different purr of pleasure. This goes on and on until she's cuddled up against me, her arms stroking over my back and rubbing her left leg up and down mine.   "Vice Chancellor, you do realize Zane Braxton is TRAPPED inside those, contraptions," Gabrielle sounds the slightest bit peeved.   The troops all make those little high-pitched notes of longing as Victoria retreats a few steps, bringing Victoria almost to the point where she launches herself back into me to comfort her little friends. I am second fiddle to a discombobulated guinea pig; sometimes a man can feel pretty small.   "Okay. How did this happen to you, Zane?" Victoria asked.   "He cannot talk; one of those Tribbles is attached to his lips," Black stated, "by an unknown force. Before you ask; I am not an engineer or chemist." Victoria made this adorable little 'o' expression, then reached for an offending Tribble.   "It hurts him to remove them," Gabrielle got out just in time.   "Does it hurt the Tribble?" Victoria inquired. Gee, thanks, Vic.   "Hold your ears," Gabrielle commanded. Well, I couldn't comply, and Victoria had only started to scream 'stop' when Gabrielle materialized a knife and speared 'Diddley-boo' off my shoulder.   I heard the little guy's death wail, then his death rattle, as Gabrielle pulled him/her away until she was out of screaming range. Diddley-boo? No, I have no idea what his/her name really was but I'm going to have ICE check his immigration status when all of this is over, wait, I can't do that; Gabrielle wacked the little snot and giving her up to the Feds is a great way to create many widows and orphans. Diddley-boo was still twitching erratically while Victoria was stuck between ecstasy and horror.   "You are a Klingon agent!" Victoria gasped as she pointed an accusatory finger at Gabrielle. I am vaguely aware that they are the stock-villains of Star Trek Universe and this odd snapshot of rightly tight, athletic buns in tighter pants, but the reference memory for the scene escapes me. By the facial reaction Gabrielle gives, Victoria just called candy sweet, or jalapenos hot; she appreciates the comparison.   All the surviving members of the Tribble tribe wept a cacophony of pain and loss. I would have had more sympathy if their moans had not been vibrating my body like a jello mold.   "Romulan," Gabrielle countered; the other stock Trekkie villains, but they have better teeth. First amongst our Honored Dead, DB hardly quivers as Ms. Black dissects it.   It bleeds/oozes and appears to be a living organism of some kind, but Gabrielle points to several electronic devices, a CPU, and wires connecting all kinds of things inside the organic body.   "It is an organic husk over a sensory/auditory device," Gabrielle tried to explain.   "Oh, my God," Victoria's mind worked feverish to defy reality, "they've been turned into Borgs."   She tore the one attached to my lips off. I didn't cry like a televangelist publicly begging God for forgiveness for a moment, or 147 moments, of weakness with a rather sad-looking prostitute, but that was coming.   You see, Victoria gripped her weeping diminutive fuzzy engine of humiliation tightly when she yanked it off, so she let go of it because the little blighter sounded hurt.   It gave off a more muted and mournful 'wee' as it smacked into the corner of my mouth. I was able to dodge a direct hit.   "Scarlett," Gabrielle seethed, "if, you, would, listen, for, a, moment; they are painful to be removed from his flesh and they will attempt to reattach themselves to him if they are brought within one foot. I have no idea why."   "Zane, are you in much pain?" Doctor Scarlett inquired while scanning my body fungi.   "Yes, but I'm sure if you kick me in the nuts, I'll feel better," I mumbled through a joke.   "I can't do that," Victoria gasped. "You have Tribbles down there." Yes, I feel special.   "That's it," Gabrielle snapped. "I'm going to get help." She spun around and breezed out the door, slamming it in her wake.   "Thanks for abandoning me, Gabby," I shouted as loud as I was able. "It's not like Vic's totally lost her mind or anything like that."   "I have not lost my mind," Victoria responded with a deceptively calm, soothing tone. She reinforced my calm by locking the door, then locking in the deadbolt, yes, I felt much safer.   My merry band of orphan coconuts helped things along the cliffs of sanity by cooing and 'talking' to Victoria as she walked around the office, and she gaily responded to them.   "Ms. Reveal, this is going to be a difficult intervention. Inform me when lunch time gets here," Victoria communicated to her assistant, then added, "I need a box of outdoor trash bags; leave them at the door."   Having a hot lady like Victoria Scarlett lock the door and asking for almost 3 hours of 'alone' time with me is a mature pipe dream of mine, and that dream really meets a bloody end when she asks for roughly 30 bags with a fifty-gallon capacity each. If she pulls out a hacksaw or a 'cow-stunner,' I'm racing for the window behind the Doc's desk. I'll be gone in 90 seconds, sort of like an inexpensive microwave dinner.   Doctor Scarlett returned to her desk, turned her spy-cam around, and started making calls. I honestly maintained a miniscule hope that she might still help me. She was talking curtly to another doctor whose name I didn't recognize. What came out of her mouth next sounded like a combination of eating raw meat all your life and gargling with sand regularly; add to that an inflection of someone wanting to kick elementary kids into the paths of oncoming busses and you had the language she was using.   Victoria's stance even changed. She thrust out her chest, put her hands on her hips, and a predatory sneer took up permanent residency on her lips. She even beat on her desk hard during this little exchange before laughing in a way that made kittens piss on themselves before you hung them.   "Vice Chancellor, Doctor Victoria Scarlett, umm, what's going on?" I said careful.   I'm not so much terrified of Victoria at this point, as I am suspicious of my ability to fight at the moment.   "Everything is fine, Zane," Victoria assured me. "In essence, I am bringing in some experts in the field. You can trust me on this; we've been expecting contact like this for years." Huh?   "So, ah, that was an Albanian Biologist?" I hoped.   "No, that was Vor' Dura, Flight Leader of the Blood Quasar Fleet of the Klingon Empire," Victoria explained sedately, in the same way any SANE individual described a Navy Commander. She turned her computer screen so I could see the person's profile pic.   "How does she breathe in that thing?" I wondered. "That's one hell of a corset."   "That isn't a corset, Zane, its body armor. My suit was created by the same armorer," she stated.   "You have something like that?" I boggled.   "Yes, the precise same suit. Vor' Dura is not as blessed by her bloodlines, she's shorter, but otherwise, we are identical; our alliance ended recently and soon she must face me in ritual combat; yield or die." 'Yield or die' isn't what is centermost in my mind.   "Don't your boobs ever pop out of that thing?" Because if you have been paying any attention; I am an idiot where sex is even a remote possibility. Victoria can't meet my gaze but turns as red as her namesake.   "On a few occasions," she confessed. I'm thinking 'a few'. "Now I have a few more calls to make."   Yes, she's lost her ever-loving mind, and I have no reasonable expectation of exit or rescue. I won't be able to get up enough speed to bust out of the window so being on the first floor is meaningless. She has the deadbolt key and when I stack up my Tribbles against her Science Fiction fanaticism, I lose. She turns the monitor around and makes her next call. This one starts with the victory salute, but the one done with two fingers to each side.   "Excellent news," Vicky declares. "We have confirmation of the temporal events from Deep Space Nine. I have compelling data that I have encountered genetic derivatives of the dominant herbivorous life forms of Iota Geminorum IV." And everything went to turkey-based insanity after that. Again, they spoke rapidly in a language I knew nothing about. They acted like giddy little schoolgirls, just schoolgirls with their emotions surgically removed.   The final call went much same way except that this time, the tone of the language was like the second but with the taint of a sleazy pimp or grifter thinking she was a mob boss. These were the kinds of girls you never let babysit your kids if you ever wanted to see them again. The way Vic looked at me and the fellas made me worry about how long I could last in her brothel and inspired an unexpected sympathy for these pests.   "Zane, do you promise to stay here while I, umm, get some, umm outfits?" Victoria requests respectfully. She realizes she's asking me a bizarre favor. Balthazar's Balls, I've been tied to a cross; how much worse can this be? She scoots up to me, kisses me chastely on the lips and waits.   "It is a given that my morning class schedule is toast, and I'm no stranger to the entertainment industry so knock yourself out," I allow, but I will have to pee at some time."   "Check; I'll stop by the infirmary and get a catheter," she nods, then she kisses me lightly on the lips once more. "Thank you for this, Zane."   She's off like a shot but is careful enough to get the deadbolt on the way out. Since I doubt Ms. Reveal can get a fire-axe through the door if the building catches fire, my buddies and I really are going to experience total protonic reversal on a life-ending scale. Only now does it occur to me that these fuzzy navels might have toxic side effects.   I'm waiting around for God-knows how long when I hear some muffled noises, more muffled than having a Tribble in my ear.   Scratch, scratch, "Girl, you get away from that door," Ms. Reveal shouted (I guess).   "Quick, Mercy, hold her back," Rio shouted in response. "This deadbolt is a bitch."   A scuffle ensued and I tried to shout loud enough to call Rio off when I heard two rapid-fire thumps.   "Thank you, Ms. Black," Marisol Reveal huffed. Mercy had put up quite a fight, I guessed. "I will formally press charges when the Vice Chancellor returns."   "You will go and sit your ass behind your desk, you incompetent buffoon," Black snapped. "I will deal with this and if you bother me again today, or mention this incident to Scarlett, I swear you will never see your cat again; and if you don't hop-to in the next six seconds, I'll make an audio recording of me strangling that shit-dumper and play it by your bedroom window every night until you go mad. Do I make myself clear?"   "Ugh," is all I make out, but I hear Marisol's chair squeak soon after. The sound of a body, or bodies, being drug off faded away as Black left the office and headed down the hall. Hell, I warned Marisol. I can't do anything for Rio right now and I don't have too long to ruminate.   "Marisol, are you okay?" I hear Victoria ask her assistant. It is a testament to their bond that even the hysterical Doctor doesn't miss her friend's distress.   "Sorry, Victoria, I'm a bit, umm, heart-sick is all," Marisol murmurs. "Don't you worry about it."   "Well, when you want to talk about it, let me know," Victoria stated. Marisol must have nodded because no words were spoken and Victoria came in with two carry-on bags and three dress bags while kicking the trash bag box ahead of her. Happy fun time was about to begin.   "Sorry for the wait, Zane," Victoria told me.   "Doctor," I made a desperate Hail Mary plea for reason, "you are a highly respected educator. We really need to take a step back and re-examine what's going on here."   "Zane, this is my first teaching job ever," she related as she checked on the progress of her 'Trekkie' Posse.   "My doctorate is in Philosophy; my Master's Degrees are in Comparative Religions and Women's Studies," she informed me. "All my graduate work was done as a researcher. I've never had a student." I blink dumbly at her; and here I thought my opinion of the Board of Directors couldn't get worse.   Victoria goes over the language dance with her friends, switching fluidly from tongue to tongue in a manner that impresses and even fascinates me; and I've been to Bangkok where if you are trying to buy and/or sell anything and don't speak at least ten different languages or dialects, you might as well hand them your wallet or purse and go home. "Who do we need?" Vic said in English (just making sure everyone knows that the Tribbles aren't suddenly translating for me).   "Kar'Thon," Vor' Dura states eagerly; "This matter is a racial imperative."   "Are you sure the young man is old enough?" The second woman inquired. "Jarrod went all obsessive last time a boy crossed our path. We almost sent the kid to college."   "That's what you get for marrying a Ferengi," Dura snidely remarked, and the rest laughed along with it; meanwhile, I'm going 'a what?'   Some infighting goes on until Victoria and 'I married a Ferengi' call for peace, then babble a little more. Then the name 'Zane Braxton' comes up and I'm not sure I'm happy or sad that only one of them replies in what was clearly elation and surprise, the sleazy one knows of me.   "Zane, I need to surgically remove some of the alien organisms," Victoria tells me.   "It is going to sting like hell," I mutter, to which Vor' Dura says something and sleazy girl laughs. I do not like where this is going at all. On the bright side, Victoria doesn't rip one off of me right away; she goes over to one of the dress bags and opens it up.   She's pulling out bondage gear, oops, my bad; she's getting ready to put on Klingon body armor. I have lost all preconceptions of what I was dealing with once Scarlett began stripping in front of me. She even gave me an appreciative smile and I was the one who was doing the appreciating! The little fuckers started going off. Remember, they don't like being moved and I was moving some around at the moment.   No, my legs and arms were perfectly still but my crotch was striking up a chorus, its Handel's Messiah. There was this 'still' moment where Victoria stopped opening her blouse and the three strangers regarding me through the webcam became mute; then the laughter began. Victoria resumed her stripping but she couldn't stop smiling and snickering slightly.   The three, the Klingon uber-cook or whatever she was and her two unknown accomplices, were laughing so hard they could barely communicate. It got better; when I was fully aroused and stopped moving around my pants, they didn't shut up and I was suddenly, desperately searching my mind to know how long that song was.   This was because Vic got down to her, Oh, fuck, this white thong, and calling it white is generous as it looks like someone stole an under-achieving spider's web and gently placed it over her crotch, and I know my hard-on was not going anywhere but into something before it went away.   Victoria was working her make-up on when two of the voices got themselves together enough to ask something. Vic looked up at the web-cam, over to me, then said a few sentences.   "So, which one of you likes your ankles placed behind your ears?" I politely asked in Thai.   "What was that, Brax' Zane?" Victoria asked.   "I'm curious if I can take your virginity with my tongue?" I continued in Thai.   "I cannot understand you," Victoria said again. "What are, ah, "   "I think we should engage the Federation citizen in the Galactic Basic," the second voice requested of the room. The third voice, the sleaze, said one more then in her native tongue, then the second voice, and Victoria jumped on her.   "I said, 'I think the native is getting restless'," sleazy girl grudgingly repeated. "Now, I think we should see if our plan 1.0 can be implemented."   "Before the scourges make themselves hoarse shrilling out the hellish noise or I lose patience, transport over there, and kill them myself," Dura growled playfully. I'm glad someone else was having fun. Victoria walked up and took a deep breath, which caused her well-disciplined, thirty-ish breasts to bounce tantalizingly close. Her look was desperately fearful yet almost childlike too.   "Kar'Thon, I desperately require your assistance before these creatures drive me mad," I tried to sound masculine yet pleading. On the computer screen, Dura quickly slammed her right fist to her right shoulder; I was later to learn that was a salute.   "This is no way for a Starfleet cadet to die," Victoria beamed at me, "even if I know I must someday slaughter you in battle." Whoa, I've never considered NASA as a career choice.   Maybe Klingon bondage gear/standard uniform could change my mind. The first person to tell me university life is boring I will punt to the Moon.   "I am T'Luminareth of the Vulcan Science Academy and Reserve member of the Starfleet Exploration Corps here," the second voice spoke up. I caught sight of a picture of her with this, troll? Or maybe a dwarf with the worst case of cauliflower ear ever. "I would like to assure you that every logical effort is being put forth on your behalf."   "Is that right, Tight Luminescence? Is it going to kill you to show a fellow sentient an ounce of compassion when you know he is about to suffer a fatal toxic shock from prolonged exposure to these vermin?" the third girl snarkily interjected into the conversation. "I'm Hical Cretak, Romulan freebooter and purveyor of ancient, exotic, and misunderstood goods."   "You are a thief, and since you aren't in some asteroid prison, you must be an above average one," I said to the Romulan. "I confess that I am a bit happier to see a member of the Vulcan Science Academy since, well, I'm suffering a splintered memory. Some things make perfect sense but large details are simply missing." I figured I could provide Victoria some good game.   She began rubbing my crotch and there was an effect alright, two in fact. The simple and expectant one was my trouser titan trying to unchain itself so it could get revenge on all of Victoria's orifices for taunting him so. My torturous tiny titmice began belting 'Let's get it on' by Marvin Gaye. I think as an infant, I had a mobile playing this song in my crib.   I started to really admire T'Luminareth's acting ability because she alone kept it together. Victoria made larger and larger circles over my crotch up to my beltline while Dura and Hical lost it hysterically.   "Pssst," I murmured to Victoria. She looked at me and I darted my eyes toward her makeup kit and clothes. I am getting more clothes on her, why?   Besides, I'd gotten a better look at her suit and it didn't have a butt-zipper that said 'Come Get Some,' but those pants rolled down like a candy wrapper and that 'body armor' has a back flap. I'd have to get Rio a set and I doubted Victoria would deny me her armorer's number. I was definitely looking into getting Mercy a matching Orion Slave Girl outfit, and here people don't think I make constructive use of my time.   I was sure Victoria/Kar'Thon was breaking speed records to get herself ready while the other ladies began talking to me about a whole universe that was brand new to me. Getting three different and very conflicting versions of the rise of the Human-dominated Federation of Planets was amusing.   Out of the blue, T'Luminareth decided she was going to create a team to rapidly move to my planet and take me back for further study. Vor' Dora countered that and Hical gleefully sought out salvage rights for the wreckage of the two expeditions.   "That might not be possible," I intervened. "Some of what you've told me has fused some memories together." They all fell silent.   "At Starfleet Academy, an Engineering Team and a select group of cadets," I continued to fantasize, "were directed to work on a, phased ionic drive." Ion drive was 'old' tech, or so Hical had let slip. "The drive failed catastrophically and we couldn't save the impulse drive, power was failing, we couldn't transport. The phased ionic drive detonated in the planet's atmosphere, creating a trans-harmonic disruption. I don't know if there were other survivors of our vessel. I saw another vessel either investigating our explosion or attempting a rescue but they burned up on their approach," I looked pained. "I don't think I could communicate with them and the only survivor I could locate was Kar'Thon."   "Only a combination of our two vessels' technology has been able to punch a hole through the disruption and I'm not sure how long this effect will last." I now sounded grim but determined. "We probably need three things: We need to know if there were any special modifications to the Klingon Scout vessel because I don't think it was a standard model to get so close to an experimental Federation vessel."   "Secondly, someone needs to pry out of Starfleet the precise specifications of that vessel, and that's definitely not me," I confessed. "Finally, we need to find a way to fuse those two designs together because if Tribbles are already being affected by an increased magnetic field, how much longer do we have before even the planet's magnetic field collapses totally and we fry (a SciFi movie plot, thank you)."   Once more, there was silence and I was afraid I'd stepped way beyond my bounds. Only when I took in the masked facial expressions of Kar'Thon did I realize I'd done well. I was hit with the realization I was a word and a whisper away from having sex with her, she was so pleased with me.   "I have friends at Starfleet Academy and they might be able to shed a light on what their cadets were up to," T'Luminareth stated serenely, but I could see a fire in her eyes. "I will research into every work published on Phased Ionic Drives, and we may be forced to work on a theory of what went wrong in case Starfleet is not forthcoming."   "Not that I admit that the Klingon Empire ever had any such vessel operating in the area, Vor' Dura got out before Hical Cretak interrupted.   "You have an officer on the damn planet, you cowardly idiot," mocked Hical.   "I am a deserter," Kar'Thon declared. "I would say I was a 'scum of the Orion Colonies' but I found that you already claimed that title," she aimed at Hical.   "You must die, you traitorous dog," Dura jumped on the offered plum. Thon/Victoria wasn't a deserter but she was ready to take one for the team, so to speak. "The Klingon Empire cannot allow your stain on our honor to exist. Now that we finally have you pinned down, we are coming to end you once and for all, and if the Federation insists on harboring a traitor (we were theoretically in Federation space) then,   "I owe you a death, Vor' Dura," Thon seethed; "your death."   "You may not enter Federation space," T'Luminareth insisted.   "Before you two go to war, again, why don't you let me go in," Hical mediated. "I'm a free trader and have been to both Federation and Klingon planets."   "You are a spy," Vor' Dura growled.   "Being a successful agent doesn't make you any less of spy for your Romulan Senate," T'Luminareth seemed almost furious.   "Unfounded rumors started by my, Hical almost finished before the Tribbles screamed. Not as loud as they had for Ms. Black, but they now didn't like Thon around either, now that Victoria was a Klingon. Cordelia scares me; this time Hical had the little 'hiccup'.   "This is going to be fun," she chuckled, barely above a whisper.   "I will get these vermin no matter how much they hurt the frail human," Kar'Thon snarled, but Victoria's eyes blazed with fanatic amusement. I was mildly curious if she could even respond to her true name but decided not to test that. She pulled out a rather wicked looking knife that I had to double-take to make sure it was plastic.   The conversation went on around us as fictitious bits of data collided with innuendo, falsehoods, threats, and lies. This was roleplaying by some actors who took it as

In this episode, The Annuity Man discussed:  Choosing guarantees over speculation Knowing your "PILL" for protection Building your income floor Balancing risk with security   Key Takeaways:  Crypto investments are like rolling dice, while annuities provide contractual guarantees and predictable results. Building financial security means focusing on what you can count on, not what you can guess. The four reasons for owning an annuity are Principal Protection, Income for Life, Legacy, and Long-Term Care. These act as anchors for stability when market uncertainty rises. Social Security and pensions already provide a guaranteed income. Evaluating whether you need more ensures that your financial base remains steady even when the markets shake. Instead of chasing bonuses or hypothetical returns, consider moving some assets from high-risk areas like crypto into products with clear, guaranteed outcomes.   "You own an annuity for what it will do, not what it might do. The 'will do' is the contractual guarantees of the policy." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

In this episode, The Annuity Man and Wade Pfau discuss: Retirement Income Style Awareness (RISA) framework Wade's different viewpoint on retirement 4% rule of thumb and its limitations The truth about retirement planning strategies   Key Takeaways:  Understanding one's preferred retirement income strategy via the Retirement Income Style Awareness (RISA) framework. It assesses different retirement strategies that align with the retiree's needs and goals, such as total return investing, time segmentation or bucketing, and essential versus discretionary expenses. Go beyond viewing retirement as a mere cessation from work and consider it as attaining fiscal independence to pursue passions and goals without dependency on income from employment. Read Wade Pfau's article on the 4% rule of thumb and its limitations. Additionally, explore the potential benefits of annuities as a tool for sustaining retirement spending over a long retirement. Explore the broader international experience in financial markets and retirement planning to better understand the uncertainties and challenges involved. Consider the impact of low interest rates on bond returns and the need for diversified retirement income strategies. "We need to figure out what retirement strategy works for each individual because what works for one person may not work for another. It's about finding the style that resonates with you." - Wade Pfau   Connect with Wade Pfau: Website: retirementresearcher.com LinkedIn: https://www.linkedin.com/in/wpfau/ Twitter: WadePfau   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed: Building stability through guaranteed income Balancing growth with protection Turning profits into long-term security Planning now for future calm Key Takeaways: Relying solely on volatile markets can be risky, especially with age. Creating an "income floor" through Social Security, pensions, and annuities ensures predictable income and peace of mind. The "market freestyle" approach offers growth but carries volatility. Shifting gradually toward an "annuity lifestyle" locks in income, protecting gains and reducing financial stress during downturns. When markets perform well, it's wise to secure profits by converting them into guaranteed income sources like annuities—protecting your principal before inevitable market corrections. Financial stability comes from proactive planning, not reaction. Avoid waiting for the next crash; design a plan today that blends market opportunity with lifetime income guarantees. "Market freestyle is fine for a portion of your money. But annuity lifestyle, what annuity lifestyle means is that you can lock in guarantees so that you go live your life." — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: Stan@TheAnnuityMan.com Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Links & Mentions: Consult booking link: www.dryazdancoaching.com/consult Email me: DrDYazdan@gmail.com Make more money video: www.dryazdancoaching.com/MDM Follow me for more tips: (@DrYazdan) www.instagram.com/dryazdan and (@DrYazdanCoaching) www.Instagram.com/dryazdancoaching Are you constantly frustrated with your team? Do you feel like no one does things quite the way you want — even when you've told them before? If so, you're not alone… and you're probably running your practice from an invisible “manual.” In today's episode, Dr. Yazdan breaks down the hidden expectations that might be sabotaging your growth, draining your energy, and keeping you stuck in micromanagement mode. She shares how to identify your “manual,” why it's not working, and the step-by-step process to replace it with systems that actually scale. This episode is packed with real-world examples from dental practices just like yours — and practical tools you can start using today to stop spinning your wheels and start leading with strategy.

In this episode, The Annuity Man discussed: Planning spousal income with precision Avoiding risky annuity strategies Building protection through legal planning Resisting sales pressure and complexity Key Takeaways: Secure your spouse's future by designing an intentional plan, not by guessing or rushing into annuities. Reverse engineer the exact income amount they will need, and let legal mechanisms trigger it at the right time. Precision brings peace of mind. Never buy annuities based on fear of death or timing. Emotional decisions lead to inflexibility and regret. Smart financial planning means keeping control until the moment it truly matters. Work with estate planning lawyers to structure income that activates when needed. Trusts can ensure seamless transitions and guaranteed income after death. Legal planning replaces guesswork with confidence. Ignore flashy pitches and confusing riders that promise more than they deliver. Financial security is built on clarity, not complexity. Simplify, stay flexible, and only commit when you understand every detail. "Death is not a good strategy, because you can only use it once." — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: Stan@TheAnnuityMan.com Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this mini-episode, Kate and Michelle discuss the revised editions of the DBT Skills Training Manual and the accompanying DBT Skills Training Handouts and Worksheets (both by Marsha Linehan). They share their 15% discount code that is good on ALL Guildford Press books and discuss two other Guilford Press titles they recommend.Check out their book recommendations here: Real Skills for Real Life - https://www.guilford.com/books/Real-Skills-for-Real-Life/Rizvi-Finkelstein/9781462555574The Mindful Self-Compassion Workbook - https://www.guilford.com/books/The-Mindful-Self-Compassion-Workbook/Neff-Germer/9781462526789Support the showWant to get 15% off of ALL Guildford Press titles? Use this link (code is DBTME at checkout): https://www.guilford.com/dbtmeIf you want to sign up for Kate's free DBT peer support group, you can sign up here: https://www.eventbrite.com/e/dbt-discussion-group-tickets-518237601617Check out our Etsy shop for DBT-inspired items and our journaling workbook (only $7.50!): https://www.etsy.com/shop/dbtandmeOur book, "DBT for Everyone" is available! Order your copy on Amazon here: https://www.amazon.com/Dbt-Everyone-Pitfalls-Possibilities-Better/dp/1839975881/Consider providing ongoing support to the podcast by becoming a patron at https://www.patreon.com/dbtandmeYou can join our facebook community here: https://www.facebook.com/groups/dbtandmepodcastCheck out our other podcast, The Couch and The Chair, on Apple Podcasts (https://podcasts.apple.com/gb/podcast/the-couch-and-the-chair/id1554159244) or on Spotify (https://open.spotify.com/show/3MZ8aZPoRKxGmLtFcR4S4O)If you need support/have questions, email us at dbtandmepodcast@gmail.com

In this episode, The Annuity Man discussed:  The purpose of Fixed Index Annuities  Buying only for contractual guarantees  Why do some agents oversell Index Annuities  Understanding contractual guarantees    Key Takeaways:  Fixed Index Annuities are designed for principal protection and lifetime income, not market growth.  Buy annuities only for contractual guarantees, not for upfront bonuses or agent projections. Index Annuities are complex products often oversold by agents for high commissions. Buyers should thoroughly understand contractual guarantees before purchasing Fixed Index Annuities.    "This is your money. Don't believe the hype, believe the contract and own an annuity for what it will do, not what it might do." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  Annuity solutions to retirement problems  The four things that annuities solve for  How annuities can give peace of mind, flexibility, and freedom    Key Takeaways:  Retirement can be a daunting prospect, with the uncertainty of how long your savings will last and the fear of running out of money. However, annuities offer a solution to these concerns by providing contractual guarantees.  Annuities can provide principal protection, ensuring that your initial investment is safe. They also provide income for life, allowing you to have a steady stream of income throughout your retirement years. Additionally, annuities can help leave a legacy for your loved ones and even cover long-term care expenses. By creating an income floor with annuities, retirees can have peace of mind knowing that their basic expenses are covered. This allows for greater flexibility and freedom in spending during retirement.   "Contractual guarantees matter, and contractual guarantees change lives." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  The best inflation annuity on the planet The second annuity you already own  RMDs are an annuity payment    Key Takeaways:  Annuities that adjust for inflation offered by the private sector have their initial payments drastically lowered to make up for the index increase. You don't need to get that because you already own the best inflation annuity on the planet: Social Security.  The second annuity you might already own is attached to your Individual Retirement Account. A 401k, 403b, or 457 is a tax-deferred type that you're eventually going to roll into an individual IRA.  Your Required Minimum Distribution is also an annuity.  It creates an annual lifetime income stream. As long as you have IRA assets, you're going to have to take RMDs.    "You definitely own one [annuity], you most likely own two, and you could own three - so what does that mean to you? That income floor takes you through chapter two of your life." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

It is our great pleasure to celebrate these 5 Grand Prize Winners that have made the I&I Hall of Fame! Whatever Instruction and Insight you need, these How-To Guides and Manuals have the answers!

In this episode, The Annuity Man discussed:  Think again, would more money change your life?  Peeling off the interest Are you really affected by inflation?  Live your life now    Key Takeaways:  Why do you still keep money in the markets when you've won the game? Think about it, would more money really change your life? If the answer is no, then why are you putting your money at risk?  Treasuries, CDs, Fixed-Rate Annuities, and MYGAs are at a level where you can just peel off the interest, never touch the principal, and never pay any fees.  60% of adults have less than $400 to their name. Those people are the ones really affected by inflation, not millionaires like you.  If you need more money, go get it. But for those who don't need it, why are you still trying to chase more? You don't need to put your resources into volatility; what you need to do is to live your life now.  "Why are you putting all or a portion of your hopes and dreams in potential returns? Keyword: ‘potential.' The only potential in your life should be the potential for you to live your life on your own terms because you've earned it. The potential is doing things for you." —  Stan The Annuity Man     Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  Preserving principal Matching products to time horizons Adapting to changing rates Prioritizing peace of mind   Key Takeaways:  The “never touch the principal” rule emphasizes generating retirement income from interest alone, keeping original capital intact for protection and legacy. CDs and treasuries are best for terms under three years, while MYGAs provide tax-deferral benefits and stronger returns for longer durations. High interest rates make this strategy attractive now, but if rates fall, retirees may need to pivot to options like immediate annuities for steady income. This approach emphasizes guaranteed returns, protection from volatility and fees, and thoughtful planning, including reviewing MYGA rates, evaluating assets, and considering a spouse's needs.   "Never touch the principal. Those are the four words I want you to focus on." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Bright on Buddhism - Dōgen - Passages from ShōbōgenzōJoin us as we read the Kazuaki Tanahashi translation of "Actualizing the Fundamental Point," "Being-Time," and "Body-and-Mind Study of The Way."Resources: Dogen, Trans. Thomas Cleary; Shobogenzo: Zen Essays By Dogen; U. of Hawaii Press, Honolulu; ISBN 0-8248-1014-7 (1st edition, hardback, 1986).; Dogen, Trans. Norman Waddell and Masao Abe; The Heart of Dogen's Shobogenzo; SUNY Press, Albany; ISBN 0-7914-5242-5 (1st edition, hardback, 2002).; Dogen, Trans. Thomas Cleary; Rational Zen: The Mind of Dogen Zenji; Shambhala, Boston; ISBN 0-87773-689-8 (1st edition, hardback, 1992).; Dogen, Trans. Gudo Wafu Nishijima & Chodo Cross; Master Dogen's Shobogenzo; Windbell Publications, London; ISBN 0-9523002-1-4 (four volumes, paperback, 1994).; Dogen, Ed. Kazuaki Tanahashi; Moon in a Dewdrop: Writings of Zen Master Dogen; North Point Press, San Francisco; ISBN 0-86547-185-1 (hardback, 1985).; Yuho Yokoi; Zen Master Dogen; Weatherhill Inc., New York; ISBN 0-8348-0116-7 (6th edition, paperback, 1990); Steven Heine; Dogen and the Koan Tradition: A Tale of Two Shobogenzo Texts; SUNY Press, Albany; ISBN 0-7914-1773-5 (1st edition, hardback, 1994); Carl Bielefeldt; Dogen's Manuals of Zen Meditation; University of California Press, Berkeley, Los Angeles, London; ISBN 0-520-06835-1 (paperback, 1988?); Dogen, Trans. Shohaku Okumura and Taigen Daniel Leighton, with commentary by Kosho Uchiyama Roshi: The Wholehearted Way; Tuttle Publishing; ISBN 0-8048-3105-X (first edition, paperback, 1997).; Roshi P. T. N. Houn Jiyu-Kennett; Zen is Eternal Life; Shasta Abbey Press; ISBN 0-930066-06-5 (third edition, paperback, 1987).; Shobogenzo, or The Treasure House of the Eye of the True Teachings by Great Master Dogen, VOLUME 1 - Translator, Rev. Hubert Nearman, F.O.B.C.; Editor & Consultant, Rev. Daizui MacPhillamy, M.O.B.C.; Shasta Abbey Press; ISBN 0-930066-17-0 (1996); Dogen, Trans. Eido Shimano Roshi & Charles Vacher; Shobogenzo Uji; ISBN 2-909422-24-0 (1997); and Shobogenzo Yui Butsu Yo Butsu and Shoji; ISBN 2-909422-37-2 (1999).https://wck.org/relief/chefs-for-gazaDo you have a question about Buddhism that you'd like us to discuss? Let us know by emailing us at Bright.On.Buddhism@gmail.com.Credits:Nick Bright: Script, Cover Art, Music, Voice of Hearer, Co-HostProven Paradox: Editing, mixing and mastering, social media, Voice of Hermit, Co-Host

The manual gearbox is an endangered species.We all know the battle cry "Save the Manuals"- but Ahmed Raza decided to do something about it. He bought a Mazda Miata without knowing how to shift gears, but promptly learned and became a car enthusiast. Being an entrepreneur, Ahmed and a friend started a business called "Manual Driving Academy" to teach others the essential skills of operating a stick shift. The company now has instructors in forty-seven locales where they spread the joy of driving a proper car.https://manualdrivingacademy.com/SUPPORT THE POD:https://www.buymeacoffee.com/hpheritageSLOW BAJA VINTAGE EXPEDITION: https://www.slowbaja.com/adventures/slow-baja-vintage-expedition-1SUBSCRIBE to Horsepower Heritage on YouTube:https://www.youtube.com/@horsepowerheritageFIND US ON THE WEB:https://www.horsepowerheritage.comINSTAGRAM: @horsepowerheritageHORSEPOWER HERITAGE is created, produced and hosted by Maurice Merrick.Get in touch with Maurice:https://horsepowerheritage.com/contactSupport the showHELP us grow the audience! SHARE the Podcast with your friends!

In this episode, The Annuity Man discussed:  Recognizing annuity trade-offs Focusing on contractual guarantees Asking the right questions Evaluating strength over sales pitches   Key Takeaways:  No annuity is perfect; each comes with both benefits and limitations. They should be understood as commodity products rather than flawless solutions. Annuities should always be purchased for their contractual promises, such as lifetime income or principal protection, rather than hypothetical returns. The key to choosing the right annuity is identifying what you want the money to do contractually and when you want those guarantees to begin. When comparing annuities, focus on the company's financial stability and the highest contractual guarantees offered, not marketing claims or projections.   "If you do not need to contractually solve for one or more of those items in the PILL acronym, then you do not need an annuity." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Law firms love their SOPs—binders full of screenshots, arrows, and step-by-step instructions. But here's the problem: they take months to build, cost thousands to produce, and go out of date the moment software updates. There's a better way. In this episode, I break down how forward-thinking lawyers are replacing outdated SOPs with AI-powered prompt libraries that actually get work done. You'll hear real examples, learn why prompts are more reliable than manuals, and see how this simple shift can save your firm hours every week. If your SOP binder feels more like dead weight than a useful tool, this episode will show you what to do instead. Episode Links ChatGPT Lab (a weekly AI workshop for lawyers) Apply to join the ChatGPT Lab The 80/20 Principle (my techlaw newsletter) The Inner Circle (my online community for lawyers) Follow and Review: I'd love for you to follow me if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. I'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Thanks to the sponsor: Smith.ai Smith.ai is an amazing virtual receptionist service that specializes in working with solo and small law firms. When you hire Smith.ai, you're hiring well-trained, friendly receptionists who can respond to callers in English or Spanish. And they have a special offer for podcast listeners where you can get an extra $100 discount with promo code ERNIE100. Sign up for a risk-free start with a 14-day money-back guarantee now (and learn more) at smith.ai.  

A reading of Pilot's Handbook of Aeronautical Knowledge (PHAK) Chapter 9. Checkout: www.wifiCFI.com for more audiobook readings and:STUDY COURSES (click any to try free!)Private Pilot >Instrument Rating >Commercial Pilot >CFI Study Course > CFII Study Course > Multi Engine Add-On > CHECKRIDE LESSON PLANS (click any to try free!)CFI Lesson Plans >CFII Lesson Plans > MEI Add-On Lesson Plans >TEACHING COURSES (click any to try free!)Teach Private Pilot >Teach Instrument Rating >Teach Commercial Pilot >Teach CFI Initial >Teach CFII Add-On >Support the show

In this episode, The Annuity Man discussed:  Annuities as lifetime income How annuities are priced Focus on contractual guarantees Two primary purposes of annuities   Key Takeaways:  Annuities, like Social Security or pensions, provide guaranteed income for life. They come in several forms, such as immediate, deferred, and longevity annuities, each designed to fit different timing and retirement needs. The pricing of annuities is based on life expectancy, interest rates, and insurer capacity. Because of these factors, annuity quotes change frequently, much like other market-driven products. Annuities should be purchased for their contractual guarantees rather than hypothetical returns. Comparing these guarantees across different carriers ensures you get the most reliable value. The main reasons people buy annuities are for principal protection and income for life. Choosing the right annuity depends on what you want your money to do and when you want the guarantees to begin.   "Capacity equals competition. And that's the reason that when you look at annuities for just the contractual guarantees of the policy, which is the reason you should buy, never buy an annuity for the hypothetical returns." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  The value of annuities for lifetime income planning  Laddering strategy with annuities  Placing an annuity inside a trust    Key Takeaways:  When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility and the ability to adapt to changing circumstances. By purchasing multiple annuities with different start dates, you can create a steady stream of income that aligns with your needs over time. This approach, called laddering, allows you to adjust your income as your requirements change, providing a level of flexibility that a single annuity may not offer. By placing an annuity inside a trust, you can maintain control over the asset while still benefiting from the lifetime income it provides. This strategy can be particularly useful for those who want to ensure their assets are managed according to their wishes, even if they become incapacitated.   "It's a keep your powder dry strategy, meaning that you can go into this with a plan in place for future income needs in the future. You know exactly to the penny what that's going to be. But if something changes between now and then, you can get all your money back because the underlying value walk away money is with that Indexed Annuity, which is a Fixed Annuity." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  CDs and MYGAs I-bond no-brainer The safest product in principal protection  How safe are MYGAs?    Key Takeaways:  Here's how CDs (Certificate of Deposit) work: you give the bank money, they protect the principal, and you don't have to pay any fees. You can take the interest if you want to at the end of the term, and do what you want with your money. MYGAs are basically the annuity industry's version of a CD.  Treasury bonds are a no-brainer. Go to treasurydirect.gov to buy them for yourself. The only downside of treasury bonds is that there's a limitation on how much money you can put in them.  Of these three safe principal protection options, treasury bonds are the safest because the government can tax or confiscate money in order to pay them, and they will. The second safest one is CDs, since they are government-based as well.  MYGAs are safe products to invest in, and their safety is based on the annuity company's ability to pay. They are commodity products, and the money you'll get from them can be used to buy another MYGA from another company. However, you can't put all your money on annuities; you've got to spread it around.    "This trifecta is a contractual guarantee:  CDs, Treasuries, Multi-Year Guarantee Annuities. You're owning these because of what they will do, not what they might do. You're buying the yield. The yield is contractual." —  Stan The Annuity Man    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!   

In this episode, The Annuity Man discussed:  Annuities that increase with inflation  The role of interest rates in pricing  For products that adjust for inflation Reverse-engineering your income floor   Key Takeaways:  Annuities don't give things away for free. A product that magically increases with inflation doesn't exist.  Lifetime income is primarily priced based on your life expectancy at the time you take the payment. Interest rates play a minor role.  For products that have a potential or contractual increase for inflation, the annuity company will severely lower the initial income as compared to the exact annuity without the increase.  Don't focus on things that you can't control. Focus on building up an income floor that suits your needs. Compute the number you'll need to cover your expenses; we can reverse-engineer a product for that.    "It's math to the annuity companies. It should be math to you. If it sounds too good to be true, it is every single time. " —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  CDs and MYGAs I-bond no-brainer The safest product in principal protection  How safe are MYGAs?    Key Takeaways:  Here's how CDs (Certificate of Deposit) work: you give the bank money, they protect the principal, and you don't have to pay any fees. You can take the interest if you want to at the end of the term and do what you want with your money. MYGAs are basically the annuity industry's version of a CD.  Treasury bonds are a no-brainer. Go to treasurydirect.gov to buy them for yourself. The only downside of treasury bonds is that there's a limitation on how much money you can put in it.  Of these three safe principal protection options, treasury bonds are the safest because the government can tax or confiscate money in order to pay it, and they will. The second safest one is CDs since they are government-based as well.  MYGAs are safe products to invest in, and their safety is based on the annuity company's ability to pay. They are commodity products, and the money you'll get from them can be used to buy another MYGA from another company. However, you can't put all your money on annuities; you got to spread it around.    "This trifecta is a contractual guarantee:  CDs, Treasury's, Multi-Year Guarantee Annuities. You're owning these because of what they will do, not what they might do. You're buying the yield. The yield is contractual." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Thanks for listening and sharing.

In this episode, The Annuity Man discussed:  Products that adjust for inflation  Thinking rationally about inflation  Reverse-engineering annuity    Key Takeaways:  Many bad sales pitches out there mention a way to beat inflation using indexed products that adjust for inflation. What really happens is that the annuity company severely lowers the initial payment to make up for any potential increase.  Think rationally about inflation. It's customizable to everybody, meaning not everyone is affected the same way. Some are not even affected at all.  Start with the goal or the need. How much more do you need in order to live the life that you want? To solve for that difference, you've got to shop all carriers and see which offers the highest contractual guarantee that will fit the goal or the need.    "Just hold until you need to fill the gap in income for inflation. Don't be proactive; don't throw darts at it. But if you do want to throw darts - let's buy income that starts at a future date." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Apple CarPlay is great, but is Ultra a step too far to differentiate the in-cabin experience? The guys discuss the dichotomy of unreliability vs. cost. Does making a vehicle reliable just mean dumping more money into it, and have we confused the terms ‘unreliable' and ‘expensive?' Albert S. doesn't admit to being a BMW enthusiast, despite owning four - he wants what's next. Then, Jason W. doesn't feel ready for a Porsche, but maybe when he's older. Car conclusions include cheap new EVs and project cars, and social media questions include an inquiry on how to get better driving manual transmission? Audio-only MP3 is available on Spotify, Apple Podcasts and 10 other platforms. Look for us on Tuesdays if you'd like to watch us debate, disagree and then go drive again! 00:00 - Intro 00:38 - Apple CarPlay Ultra Unliked? 10:44 - Dacora Motors, The Streamline Moderne EV 22:57 - Topic Tuesday: Does 'Unreliable' mean ‘Expensive?' 54:54 - Car Debate #1: Does Four BMWs Make You An Enthusiast? 1:12:53 - Car Debate #2: Not Ready For A Porsche Yet 1:22:55 - Car Conclusion #1: They're Almost Giving Them Away 1:24:16 - Car Conclusion #2: Everyone Should Have A Project Car 1:29:06 - Audience Questions On Social Media  Rate and review us on Apple Podcasts, and subscribe to our two YouTube channels. Write to us your Topic Tuesdays, Car Conclusions and those great Car Debates at everydaydrivertv@gmail.com or everydaydriver.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, The Annuity Man discussed:  Threading the needle with volatility Freedom from volatility Annuities are the haystack  Time to secure guarantees    Key Takeaways:  Threading the needle to get market returns makes you dependent upon so much unknown. You're dependent on world markets, geopolitical events, and meltdowns that are impossible to predict.  A lot of people can retire from their jobs and the market, and they should; those who can't yet should make it a goal to do that and be free from being dependent on volatility.  There's no threading the needle for principal protection; there's no finding the needle in a haystack for lifetime income. You don't need to find a needle; you need the haystack. Use an annuity to have the highest contractual guarantee.  What phase of your life are you in right now? If you're in the no-go stage, then it's time to stop losing sleep over the markets, and it's time to secure guarantees.    "Investing in markets a lot of times is like surfing the side of a cruise ship. Sometimes you're going to catch a wave right beside that cruise ship, but a lot of times, you're going to get sucked under the boat." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  Annuities are contracts  How Indexed Annuities Should Be Used  Don't buy an annuity for market returns    Key Takeaways:  To say that something is “guaranteed and backtested” means that there is nothing guaranteed at all. Annuities are contracts; buy them for what they will do and not what they might do.  Indexed Annuities have the potential to go down in value, but they can be used as an efficient delivery system for guaranteed lifetime income through an income rider attachment.  If you want market returns, never buy an annuity. Annuity solves for four things: Principal protection, Income for life, Legacy, and Long-term care.    "Do not buy the annuity dream because you're gonna own the contractual reality." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  The four lifetime income products How annuities are priced  The simplicity of SPIA  Getting the highest guarantee    Key Takeaways:  There are four lifetime income products: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Income Riders that can be attached to Variable Annuities and Indexed Annuities.  Annuities are priced primarily on your life expectancy at the time you start the payment. Interest rates play a secondary role.  Deferred Income Annuities are, in essence, just a Single Premium Immediate Annuity that is deferred past a year. A SPIA has no moving parts, no market attachments, and no annual fees. It is a straight transfer of risk.  The highest possible payments you can have from an annuity are from a life-only annuity. This is the annuity for people who don't want to give to any beneficiaries. Companies often issue these without the option to change the start date, but you can change the start date if the contract has a cash refund or period certain attached to it.    "That income for life transfer risk strategy with annuities, typically four primary types SPIAS, DIAS, QLACs, and Income Riders. We can structure it so that you have the ability to pivot and change that income start date." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Sitting in for Chris is Matcoman Brian, and he & Ray talk about road trip issues.Ray found that even when he buys new parts they need to be modified; Procar set brackets are the culprit this time. Back-to-back meets with the Corvette Society crew proves that havingprinted material like a Hollander manual is key to solving parts fitment questions. Rental carissues and the progress on Brian's Mustang project round out this hour of fun.  Check our social media feed to see the pictures; on Instagram: @real_motormouthradio and on You Tube: https://youtu.be/6BstZQ6n7rw

In this episode, The Annuity Man discussed:  Why do agents tell stories?  Protecting yourself from bad pitches  Don't listen to these stories  The only two important questions    Key Takeaways:  In sales, managers will often tell their people that stories sell and that they do, so you have to watch out for hypotheticals, testimonials, and anecdotal “evidence.”  Here's how you can protect yourself from liars who'd sell you stories: write down their sales pitch exactly as they said it and how you understood it. Sign and date it at the bottom and flip it over to them. Have them sign the contract, so they're on the hook if they lie in their pitch.  Never base your decision on a back-tested number; those are stories. If they tell you all about the people who own what they're selling, don't listen - those are stories. Never base your decision on up-front bonuses; you're smarter than that - there's no such thing as free money.  There are only two important questions: “What are the contractual guarantees?” and “When do you want those contractual guarantees to start?” By answering those two, we can determine whether you even need an annuity or which type will provide the highest contractual guarantees if you need an annuity. There are no stories with contractual guarantees.    "Don't buy the dream because you're going to own the contractual reality. Don't buy the story, buy the contract." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

Animal Reiki Wisdom with Sioux Strong: Consent, Safety, and the Healing Energy of Nature In this episode, Colleen Benelli, Robyn Benelli, and Sioux Strong come together for the first time in years to talk all things Animal Reiki. Sioux shares her lifelong journey with animals—from raising guide dogs and working with elephants to co-authoring the ICRT Animal Reiki courses and joining the Reiki Lifestyle team. Together, they explore the foundations of Animal Reiki practice, including the importance of consent, observation, and safety. You'll hear real-life stories about animal communication, healing sessions, and how Reiki is received differently across species. The episode also dives into the deeper energy of the Tree of Life symbol and how the energy of the ICRT Animal Reiki system calls us back into the circle of life with animals, nature, and the Earth. They also announce their upcoming in-person Animal Reiki classes at Wildwood in Oregon, a sacred space filled with rivers, trees, salmon, and daily connections with nature and spirit. Whether you're a practitioner, a teacher, or simply love animals, this conversation is full of laughter, heart, and wisdom. Resources & Class Info: Visit www.reikilifestyle.com for course details Email: colleen@reikilifestyle.com | robyn@reikilifestyle.com | sioux@reikilifestyle.com Watch the class preview on Instagram: @reikilifestyle.official ✨Connect with Colleen and Robyn  Classes: https://reikilifestyle.com/classes-page/ FREE Distance Reiki Share: https://reikilifestyle.com/community/  Podcast: https://reikilifestyle.com/podcast/ (available on all major platforms too) Website: https://reikilifestyle.com/ Colleen Social Media: Facebook: https://www.facebook.com/ReikiLifestyle Instagram: https://www.instagram.com/reikilifestyleofficialempo Robyn Social Media: Instagram: https://www.instagram.com/robynbenellireiki Facebook: https://www.facebook.com/robynbenellireiki **DISCLAIMER** This episode is not a substitute for seeking professional medical care but is offered for relaxation and stress reduction which support the body's natural healing capabilities. Reiki is a complement to and never a replacement for professional medical care. Colleen and Robyn are not licensed professional health care providers and urge you to always seek out the appropriate physical and mental help professional health care providers may offer. Results vary by individual.

In this episode of the HVAC Know It All Podcast, host Gary McCreadie continues his conversation with David Rames, Senior Product Manager at Midea America. In Part 2, David talks about the importance of pressure testing and evacuating each line set in multi-zone ductless systems. He emphasizes using a torque wrench to avoid over-tightening flare nuts, which can cause leaks. David also explains the dry mode feature in Midea systems, designed to control humidity effectively. The episode wraps up with advice on proper installation, maintenance, and the value of training to ensure quality work and satisfied customers. David Rames discusses the importance of pressure testing and evacuating each line set in multi-zone ductless systems. He explains how using a torque wrench can prevent over-tightening flare nuts, which can cause refrigerant leaks. David also highlights the dry mode feature in Midea systems, which helps manage humidity by slowing down the fan and cooling the room. The episode wraps up with advice on proper installation, leak testing, and the need for thorough training to ensure quality installs and satisfied customers. Throughout this episode, David talks about the steps to ensure a proper installation in multi-zone ductless systems. He explains the importance of pressure testing and evacuating each line set separately to avoid leaks. David also discusses the need for using a torque wrench to avoid over-tightening flare nuts. He highlights the dry mode feature in Midea systems, which helps control humidity. Lastly, he shares tips on doing thorough training and following manuals to get the best results on every job. Expect to Learn: Why is pressure testing and evacuating each line set crucial? How a torque wrench prevents over-tightening flare nuts. What the dry mode feature in Midea systems does for humidity control. The importance of following the installation manual for better results. Why thorough training ensures high-quality installs and satisfied customers. Episode Highlights: [00:00] - Intro to Part 02 with David Rames [01:33] - Key steps for pressure testing and evacuation [02:59] - Using a torque wrench the right way [05:36] - Manuals matter for a clean install [07:23] - Understanding torque ranges and flare fitting [09:25] - Leak testing tips and skipping filter dryers [10:56] - Doing evacuation and decay tests properly [13:56] - Good installs stop blaming on equipment [16:42] - Using dry mode for better humidity control [18:12] - How dry mode changes fan speed and coil temp [20:12] - When misuse, not installation, causes complaints [25:21] - Wrap-up and where to learn more about Midea

In this episode, The Annuity Man discussed:  Annuities for your spouse and loved ones  Throwing darts at death  Planning for cognitive decline  Filling in financial gaps   Key Takeaways:  Using a trust, you can set up an immediate annuity purchase to trigger when you pass away to provide lifetime income for your spouse using a designated lump sum. You can use annuities to lovingly handcuff your young beneficiaries, providing them with guaranteed income instead of a lump sum.  Buying an income rider, deferring it out, and setting it up as a joint-life policy is like throwing darts at death because you don't know when you're going to die. Death is not a good strategy.  The problem with planning for something for your spouse in case of cognitive decline is that you don't know when you will have cognitive decline, especially if you are already in cognitive decline.  You can set up a plan that will fill in financial gaps that your spouse can enjoy when you pass away, and it can be set up so that your death triggers it. However, you can also throw some calculated, contractual darts if that's what you prefer.    "Now, while you're alive, if there's something like a pension or something that's going to be reduced upon your death, we should start planning upon your death to replace that gap for your spouse. That can be done at the time of your death - it can be triggered by your death. Or we could throw some calculated contractual darts. " —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!   

If you've ever found yourself hurt, frustrated, or emotionally drained because someone didn't do what you thought they should—especially after you asked—this episode is for you. In this conversation, I'm talking about a powerful concept I use with my clients all the time, called “the manual.” It's the invisible rulebook we write in our minds about how other people should behave and what their actions (or lack of action) mean about us. But here's the catch: no one else has a copy of that manual. And when people don't follow our unspoken rules, we end up making it mean something painful—like “they don't care,” or “they don't love me.” That pain builds up, and it affects our emotional and physical health, especially when we're healing after something as life-changing as breast cancer. So in this episode, I'm sharing how to spot when you're living by a manual, how to burn it, and how to replace it with something far more powerful: clear, loving boundaries that support your peace and your healing.  

In this episode, The Annuity Man discussed:  Solving for longevity risk  Four products for lifetime income  Focusing on guarantees    Key Takeaways:  There is no ROI until you die. Up until then, it's a transfer of risk to the annuity company to solve for longevity risk. The longevity risk is the fear that you'll outlive your money. An annuity will pay as long as you're breathing, even if you are on a ventilator.  The annuity industry has four major types: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts,  and Income Riders. All four provide a lifetime stream as long as you are breathing or if you set it as joint-life, as long as you or your spouse is breathing.  Forget all the shiny things that agents try to make you fixate on. Focus on the guarantee that you will get paid as long as you're breathing. You could also structure the contract so that your money goes to your beneficiaries when you die.    "The good thing about turning on lifetime income stream and transferring that risk to an annuity company to pay for as long as you're breathing or on a ventilator is that it's turnkey. And there will come a point if we live long enough that we will need that income to be turnkey." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  Annuities with a push-comes-to-shove feature  Advantages of liquidity  Balance between potential and liquidity  Why flexibility matters in annuity planning Meeting diverse financial needs through annuity design   Key Takeaways:  Certain annuity products, such as the MYGA (Multi-Year Guaranteed Annuity), fixed-rate annuity, and CD annuity, offer a liquidity option known as the "push-comes-to-shove" feature, allowing penalty-free withdrawals in case of emergencies. The "push-comes-to-shove" feature in annuities provides access to funds when faced with unexpected financial circumstances, offering peace of mind and flexibility. By allowing penalty-free withdrawals, these annuity products cater to individuals seeking a balance between growth potential and liquidity, ensuring financial security during unforeseen events. The inclusion of the "push-comes-to-shove" feature in annuity products reflects an understanding of the need for accessible funds, particularly in times of crisis or emergencies. Annuity providers recognize the importance of offering products that not only provide long-term growth opportunities but also address the potential need for immediate access to funds, catering to the diverse financial needs of their clients.   "Annuities that provide you the liquidity, either taking out interest or 5% or 10%, those are push-comes-to-shove annuities." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  Annuity companies are more regulated than banks  Features that protect the annuity industry  There is no run on annuities  How the banking crisis will affect the annuity industry    Key Takeaways:  Annuity companies are more regulated than banks, with features like surrender charges and market value adjustments that prevent runs on the company. Annuity companies are required to invest in investment-grade bonds, providing stability, unlike banks that had to sell bonds during the recent crisis. Lifetime income products offered by annuity companies, such as SPIAs and DIAs, are irrevocable and provide a guaranteed income stream for life, preventing panicked withdrawals. The National Association of Insurance Commissioners (NAIC) plays a crucial role in overseeing annuity companies and protecting consumers, and the recent banking crisis will likely lead to increased oversight of the annuity industry.   "The bottom line: the annuity industry has put in place features to not only protect you, the consumer, which is their ultimate goal, period, but to protect the industry as well." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

In this episode, The Annuity Man discussed:  Why would you want to stop taking in income?  Three types of irrevocable lifetime income teams  Light-switch Annuity Products   Key Takeaways:  There a myriad reasons why you would want to stop taking income, and there are annuity reasons that allow for this. One reason could be if tax laws change in the future and you want to shut down the income stream to not getting taxed, or when you want the income to accumulate for your death benefit. The three types of irrevocable income lifetime income streams are Single Premium Immediate Annuity, Deferred Income Annuity, and Qualified Longevity Annuity Contracts.  A Multi-Year Guaranteed Annuity is the annuity industry version of a CD. It allows you to take out interest while keeping the capital intact, and it's a light-switch annuity product. Another light-switch product is an income rider attached to an indexed annuity.    "There are annuities that aren't light switch annuities: SPIAs, DIAs, and QLACs - but there are annuities that are light switch for income, MYGAS, and then income riders which are lifetime income products." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Proprietor of Manuals in Aptos CA, family owned for over 60 years serving the best Mexican comfort north of the border.

Interested in joining one of our driving tours?https://www.ontheroad.tours/This week we discuss:0:00 - Intro 0:22 - Rate My Ride! 34:46 - Investment Chat with Candy46:54 - Audience Q&A! 1:07:07 - Outro AD | This video should not be construed as an invitation or inducement to engage in investment activity. It does not constitute financial advice. The views expressed are for information and entertainment purposes only. Swissquote recommends taking professional financial advice prior to taking any investment decisions. The value of investments may go down as well as up. When considering a Lombard loan, you should determine how the use of margin fits your own risk tolerance and investment goals. Please review Swissquote Bank Europe's Investment and Risk warning disclosure: https://links.imagerelay.com/cdn/2958/ql/investment-and-risks-warning-disclosure-en Hosted on Acast. See acast.com/privacy for more information.

In this episode, The Annuity Man discussed:  The fear of running out of money Solving the fear of running out  Is FORO more important the FOMO?  Using math to address FORO    Key Takeaways:  Most of us didn't grow rich. We saw what it was like to live in scarcity, and today, many of us still carry those scars. Despite having millions or a portion of that, some people might still feel poor and fear running out of money.  If you're worried about running out of money or won't have enough in your retirement, consider looking into strategies that provide guaranteed lifetime income.  The fear of running out is more important to address than the fear of missing out, especially for chapter two of your life. In addressing FORO with annuities, we're solving for lifetime income or protecting the principal and peeling off the interest.  One more way to address FORO is to do some math and remove the emotionally-charged memories from the equation. Annuities are math; they're not hypotheticals.    "The fear of running out can be solved with annuities in combination with the best annuity you have on the planet, which is Social Security and principal protection products and contractual guarantees. We can solve for the scars of scarcity." —  Stan The Annuity Man.   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

In this episode, The Annuity Man discussed:  The value of annuities for lifetime income planning  Laddering strategy with annuities  Placing an annuity inside a trust    Key Takeaways:  When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility and the ability to adapt to changing circumstances. By purchasing multiple annuities with different start dates, you can create a steady stream of income that aligns with your needs over time. This approach, called laddering, allows you to adjust your income as your requirements change, providing a level of flexibility that a single annuity may not offer. By placing an annuity inside a trust, you can maintain control over the asset while still benefiting from the lifetime income it provides. This strategy can be particularly useful for those who want to ensure their assets are managed according to their wishes, even if they become incapacitated.   "It's a keep your powder dry strategy, meaning that you can go into this with a plan in place for future income needs in the future. You know exactly to the penny what that's going to be. But if something changes between now and then, you can get all your money back because the underlying value walk away money is with that Indexed Annuity, which is a Fixed Annuity." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

"Beyond the Toolbox: Exploring the Complexities of the Right to Repair Debate in Agriculture" We acknowledge the complexity of the debate—it's not just about farmers hacking software but a broader discussion about safety, ownership, relationships, and trust.Defining Right to Repair:Farmers' desire to access tools, diagnostics, and manuals to repair their equipment independently.Manufacturers' perspective on safety, emissions compliance, cybersecurity, and intellectual property rights.What the Debate Is Really About:It's not as simple as “farmers vs. manufacturers.”Broader implications for safety, environmental sustainability, and secure operation.What Equipment Manufacturers Support:According to the AEM statement, manufacturers support customers' access to:Safety materials, Manuals, service guides, and diagnostic tools.Training, best practices, and parts at authorized prices. The Bigger Picture – People, Personalities, and Perspectives Farmers' Perspective:Frustrations with downtime during critical seasons.Stories of how delays in repair access have impacted operations.The pride farmers take in being self-reliant and innovative problem-solvers.Manufacturers' Concerns:Safety risks associated with untrained individuals performing repairs.Cybersecurity risks and potential violations of emissions compliance.Concerns about providing access to embedded proprietary software.Trust and Collaboration:The relationship between farmers, dealerships, and manufacturers.Challenges in balancing farmers' needs with manufacturers' responsibility to protect their products and technology. Breaking Down Key IssuesManufacturer concerns about ensuring proper repair and maintenance practices.Risks of unauthorized modifications leading to unsafe or non-compliant equipment.Cybersecurity Threats:Potential vulnerabilities in connected equipment and broader networks.Real-world examples of what could go wrong if sensitive systems are compromised.Economic Impacts:How Right to Repair regulations could disrupt current market dynamics.Concerns from manufacturers about government-mandated repair provisions.A Free Market vs. Regulation:Discussing manufacturers' objection to laws dictating the cost and manner of repair information sharing.The balance between fostering competition and protecting innovation. Where Do We Go From Here?What Needs to Change:Open discussion on what each side—farmers and manufacturers—needs to consider to find common ground.  Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/

We've been in enough conversations to know when something clicks. This one did — and it did from the very first moment.In our debut Brand Story with White Knight Labs, we sat down with co-founders John Stigerwalt and Greg Hatcher, and what unfolded was more than a company intro — it was a behind-the-scenes look at what offensive security should be.John's journey is the kind that earns your respect quickly: he started at the help desk and worked his way to CISO, before pivoting into red teaming and co-founding WKL. Greg's path was more unconventional — from orchestral musician to Green Beret to cybersecurity leader. Two very different stories, but a shared philosophy: learn by doing, adapt without a manual, and never take the easy route when something meaningful is on the table.That mindset now defines how White Knight Labs works with clients. They don't sell cookie-cutter pen tests. Instead, they ask the right question up front: How does your business make money? Because if you can answer that, you can identify what a real-world attacker would go after. Then they simulate it — not in theory, but in practice.Their ransomware simulation service is a perfect example. They don't just show up with a scanner. They emulate modern adversaries using Cobalt Strike, bypassing endpoint defenses with in-house payloads, encrypting and exfiltrating data like it's just another Tuesday. Most clients fail the test — not because they're careless, but because most simulations aren't this real.And that's the point.White Knight Labs isn't here to help companies check a box. They're here to expose the gaps and raise the bar — because real threats don't play fair, and security shouldn't pretend they do.What makes them different is what they don't do. They're not an all-in-one shop, and they're proud of that. They won't touch IR for major breaches — they've got partners for that. They only resell hardware and software they've personally vetted. That honesty builds credibility. That kind of focus builds trust.Their training programs are just as intense. Between live DEF CON courses and their online platform, they're giving both new and experienced professionals a chance to train the way they operate: no shortcuts, no watered-down certs, just hard-earned skills that translate into real-world readiness.Pass their ODPC certification, and you'll probably get a call — not because they need to check a hiring box, but because it proves you're serious. And if you can write loaders that bypass real defenses? You're speaking their language.This first conversation with John and Greg reminded us why we started this series in the first place. It's not just about product features or service offerings — it's about people who live and breathe what they do, and who bring that passion into every test, every client call, and every training they offer.We've got more stories with them on the way. But if this first one is any sign of what's to come, we're in for something special.⸻Learn more about White Knight Labs: Guests:John Stigerwalt | Founder at White Knight Labs | Red Team Operations Leader | https://www.linkedin.com/in/john-stigerwalt-90a9b4110/Greg Hatcher | Founder at White Knight Labs | SOF veteran | Red Team | https://www.linkedin.com/in/gregoryhatcher2/White Knight Labs Website | https://itspm.ag/white-knight-labs-vukr______________________Keywords: penetration testing, red team, ransomware simulation, offensive security, EDR bypass, cybersecurity training, White Knight Labs, advanced persistent threat, cybersecurity startup, DEF CON training, security partnerships, cybersecurity services______________________ResourcesVisit the White Knight Labs Website to learn more: https://itspm.ag/white-knight-labs-vukrLearn more and catch more stories from White Knight Labs on ITSPmagazine: https://www.itspmagazine.com/directory/white-knight-labsLearn more about ITSPmagazine Brand Story Podcasts: https://www.itspmagazine.com/purchase-programsNewsletter Archive: https://www.linkedin.com/newsletters/tune-into-the-latest-podcasts-7109347022809309184/Business Newsletter Signup: https://www.itspmagazine.com/itspmagazine-business-updates-sign-upAre you interested in telling your story?https://www.itspmagazine.com/telling-your-story

Keywords: Jeep Talk Show, Round Table, Hot or Not Jeep mods, beadlocks vs all-terrains, lift vs lockers, soft top vs hard top, manual vs automatic, rock lights debate, Easter Jeep Safari 2025, Tyree Lights, YJL at EJS, Hot Springs Jeep event, Jeep community podcast Description: Join Tony and the Jeep Talk Show crew for a lively Round Table episode as we dive into a “Hot or Not” debate inspired by Chick Chat's Natalie and Janet!

**This episode ALSO contains more Pest than is recommended for listening consumption. Digger discretion is still advised. **This time he's pretending to be a big boss man. In typical Duggar fashion we get a horrible use of time and preparation so they're scrambling. The clan needs to go to city officials to see if they can re-zone a new car lot and we watch as Lego Hair has to step in. In the Dig, we get into one of the Men's Manuals and what they say about business (...business) decisions made as a married couple. I'm getting really mixed signals here, do I care what my wife has to say about a big decision like that, or not? As an IBLP man I'm probably so confused at the end of this. Enjoy what you hear? Feel like you have a Servant's Heart? Would you like to help support a snarking couple in Arizona? Get on the Gus Bus and head on over to buymeacoffee.com/diggingupthedug . If you would like to grab a jar and become one of the Pickle People, you get ad-free episodes, and even get them early. We post bonus episodes with Duggar content, personal topics, Mildred Mondays (gotta give the people what they want), recipes and other goodies. Join other Pickle People with access to Ad-free Episodes of the Main Pod, Bonus episodes, Recipes, Mildred Mondays and more. Join us on instagram at @digginguptheduggarspodand we do have a P.O. Box 5973, Glendale Arizona, 85312