Podcasts about MEC

Nawrocki zdecydował się odebrać Order Orła Białego prezydentowi Zełenskiemu. Mussolini i caryca Katarzyna mogą mieć, a Zełenski nie. Nawrockiego pochwalił już Dmitrij Miedwiediew. Mec. Giertych stwierdził dosadnie, że dwór Nawrockiego to agenci lub idioci! Dokąd doprowadzi ta wojna z Ukrainą? Będzie także o kolejnej dezinformacji Kanału Zero w sprawie rzekomych słów Zełenskiego o Polakach. Na znak solidarności z Zełenskim byli prezydenci Ukrainy też odsyłają swoje ordery! Premier Tusk próbuje gasić pożar. Dziś także o pierwszym wyroku w sprawie fałszerstwa wyborczego oraz o sygnaliście-lekarzu, o którym ukazują się kompromitujące fakty. #Nawrocki #zelensky #ukraina #Tusk #polityka #IPPTVNŻywo ⛵️

Didi Braguinha e André Rumjanek mergulham em uma conversa sobre mecânicas de jogos que despertam fascínio — e outras que afastam completamente alguns jogadores. Partindo de jogos digitais ociosos e sistemas de programação de ações, a dupla explora como diferentes formas de tomada de decisão moldam a experiência à mesa, discutindo previsibilidade, caos, planejamento e o prazer de ver uma estratégia finalmente funcionar.Ao longo do episódio, eles também refletem sobre condições de vitória, jogos cooperativos e competitivos, a influência dos componentes físicos na percepção de valor dos jogos modernos e como certas mecânicas podem transformar completamente a relação de alguém com um título. Entre histórias pessoais, exemplos de partidas memoráveis e algumas inevitáveis tangentes sobre Fórmula 1, colecionismo e preservação de jogos, o papo acaba revelando muito sobre o que cada jogador realmente busca quando senta à mesa.Para saber mais sobre este episódio e os jogos mencionados: ⁠Planejamento, Caos e Mecânicas Polêmicas nos Board GamesSe você ainda não conhece ou faz parte, fale conosco no nosso ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabuloso Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.E para as redes sociais: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabuloso Podcast no ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabuloso Podcast no YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fabuloso Podcast no TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Para comprar camisa do Fabuloso (e outras):⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Deselegante⁠⁠

Passando a Limpo: No Passando a Limpo desta sexta-feira (19), Igor Maciel e a bancada do programa conversam com o Secretário-executivo do Ministério da Educação, Rodolfo Cabral, sobre investimentos do MEC em Pernambuco e as obras da UFPE. O programa também conta com Eliane Cantanhêde.

MEC for Transport and Human Settlements Siboniso Duma says the government, working with international partners, successfully repatriated the mortal remains of Sihle Makhanye from Russia after a 69-day process. He says the remains travelled via Istanbul before arriving in South Africa and were handed over in KwaZulu-Natal. The funeral will take place on Saturday under uMvoti Municipality with logistical support provided. Bongiwe Zwane spoke to Ndabezinhle Sibiya, the spokesperson for the KZN MEC for transport and human settlements, Sboniso Duma.

Alejandro Dolina, Patricio Barton, Gillespi Introducción • 0:00:00 Apertura y festejo por los 40 años del programa Segmento Inicial • 0:01:28 Rechazo humorístico a hablar del Mundial y coberturas desde el exterior • 0:04:51 Presentación de funciones en Avellaneda, Canning y Rosario • 0:06:15 Consejos para recibir a un novio extranjero • 0:36:35 Desconfianza sobre romances a distancia y mudanzas por amor • 0:44:10 Mensajes de oyentes y comentarios varios • 0:54:47 Anécdota sobre la declaración de Huésped de Honor en La Plata • 0:54:47 Debate sobre el plural de modestia y el tono mayestático Segmento Dispositivo • 0:58:19 Ojos y miradas en mitos e historias antiguas • 0:58:36 Odín sacrifica un ojo en la fuente de Mimir • 1:00:33 Panku y la creación del mundo desde su propio cuerpo • 1:02:50 Mitos griegos sobre Argos, las Grayas y Perseo • 1:05:37 El ojo de Horus como amuleto protector • 1:08:13 Humbaba y las miradas petrificantes • 1:09:19 Creencias antiguas sobre la vista y el emperador Shenong • 1:11:07 "A unos ojos" ♫ por Antonio Tormo Segmento Humorístico • 1:15:38 Servicios atendidos por novatos y precarización laboral • 1:17:13 Peluqueros principiantes y riesgos del oficio • 1:21:29 Electricistas inexpertos y accidentes domésticos • 1:22:51 Tatuadores nuevos y errores permanentes • 1:26:06 Mecánicos, farmacéuticos y gasistas sin experiencia • 1:32:24 Odontólogos, colectiveros novatos y defensa irónica de la juventud • 1:36:12 Burla a la figura del locutor y automatización radial Sordo Gancé / Manuel Moreira • 1:40:26 Presentación de Manuel Moreira • 1:42:33 "El ciego de la piedad" ♫ • 1:45:33 "En estos días" ♫ (Silvio Rodríguez) • 1:48:57 "Milonga de pelo largo" ♫ • 1:51:36 Comentarios sobre la trompeta de Gillespi • 1:53:42 Pedido de "Las hojas muertas" (Resumen generado automáticamente con IA, puede contener errores)

Saudações, aventureiros! No episódio de hoje do Aventurando Podcast, Rafael Amon e Igor Cruz recebem Roma, do canal Aprenda RPG, para conversar sobre o aguardado lançamento de Oblívio, RPG criado em parceria com o GGTonho e publicado pela New Order Editora.Durante o papo, discutimos:A trajetória de Roma e GGTonho como criadores de conteúdo e como isso os levou a co-criar essa obra autoral A proposta de Oblívio RPG como sistema genérico de fantasia sombria e survival horror, onde a Escuridão não é apenas ausência de luz, mas uma força implacável Mecânicas claras, com grid simples para resolução de ações, e ambientação engajadora que mistura terror, mitos e escolhas difíceis financiamento coletivo iniciado em Catarse em 8 de setembro de 2025 Se você curte fantasia sombria e RPGs que trazem horror de verdade à mesa, esse episódio é ideal para se preparar para essa jornada.

Toute jeune femme en dessous de 40 ans qui lève le drapeau de la religion pour jusitifer son appetit sexuel ou sa libido est dans une totale hypocrisie, dans le but de se surévaluer sur son copain pour en tirer des avantages malsains en maménant celui-ci.  En général, toute femme cherche le bouton qui lui permet de mieux contrôler ou d'avoir de l'emprise sur son conjoint.Mec, les filles traumatisées par leur passé, il faut les fuir. La femme traumatisée ne guérit jamais, elle s'en sort mais ne guérit pas. fuis! fuis! fuis!Support the showTon support est la force!

Le jeune garçons adulte n'écoute jamais les conseils des hommes car il pense qu'on va lui voler sa copine ou les séparer, il a peur de perdre les plaisirs qu'ils reçoitde sa copine, de sa conjointe.Mec, tes sentiments altèrent ton jugement.  Quand tu raconte tout à ta copine au moindresdétails inulite au fonctionnement de son cerveau , elle-même se rend compte que tu as les bonnes capacité pour être son espion personnel, tu descend dans sonestime pour toi, tu lui montre que tu es moins fiable, car tu rapporte tout meme les choses qui vont l'in quiéter pour rien et tu es un traître à son service. Tu te comporte exactement tel le GARS CON que tu es pour elle!Le jour où elle va te tromper est déjà arrivé, ta copine est une partie-Girl, mais devant toi elle te montre ce qui peut te convaincre de te confier à elle au complet.Tu es foutu

Hello June, and hello to this new edition of Engage Weekly! Get a recap of the MEC's and stay tuned for updates from your Union when they head to SLC next week for their next regular meeting. All links and additional information can be found in this week's MEC News! 

durée : 01:15:20 - A peine rentré de Budapest où il a vécu le sacre du PSG en parcage, Julien Cazarre est passé dans notre studio pour débriefer son week-end, et analyser notre bonheur à tous. Avec dans la poche son nouvel ouvrage, « L'Art d'avoir toujours raison sur le foot » (Editions du Rocher). - réalisation : Pia Clemens Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

O Giro de Notícias mantém você por dentro das principais informações do Brasil e do mundo. Confira mais atualizações na próxima edição.

In this episode, Trade Show Talk host Danica Tormohlen explores how the events industry is adapting to digital transformation, the strategic role of finance within global trade shows, and leadership insights with Michèle Tiley-Hill, CFO of RX, one of the world's largest trade show organizers.   Whether you're a show organizer, a marketing professional, or a business leader, her experience offers valuable perspective on navigating today's complex landscape.  Key Topics:  How RX integrates face-to-face and digital innovations in live events  The evolving role of a CFO in a decentralized, global organization  Strategies for launching new shows and managing risks  Building trust and cultural safety across international teams  The importance of transparency, vulnerability, and celebrating failures  Diversity initiatives and gender equity in finance leadership  Leadership legacy: fostering trust, collaboration, and curiosity   In our monthly advocacy update, Exhibitions & Conference Alliance President and CEO Tommy Goodwin discusses the success of the 2026 Legislative Action Day in Washington, D.C. He highlights the record attendance and the importance of engaging with congressional staff to advocate for the exhibitions industry. Goodwin emphasizes the value of sharing personal stories with lawmakers to raise awareness of the industry's impact. He also shares insights into the unique culture of Capitol Hill and the significance of building relationships with congressional staff.  Timestamps:   00:00 - Introduction to Michele Tiley-Hill, CFO of RX Global 02:14 - Michele's career journey from KPMG to leading global events 06:12 - How the events industry is shifting with digital and data innovation 08:36 - Daily work of a CFO in a multi-country organization 10:06 - Managing variability in trade show revenues and strategic growth 12:32 - Operational innovation and the role of AI in live events 14:40 - Recent wins and lessons learned in post-COVID recovery 17:47 - Embracing failure and the importance of vulnerability in leadership 19:37 - Diversity and gender equity in global finance leadership 22:31 - Building relationships between finance and show leaders 25:51 - Insights from attending flagship shows like Facon and BookCon 28:39 - Planning and risk mitigation for launches and relaunches 31:44 - Leading across cultural and geographic diversity 33:44 - Michele's London-based office environment and hybrid work approach 36:07 - Her legacy at RX and guidance for the next generation of leaders 37:53 - Tips for hiring and building diverse high-performing teams 39:43 - The best career advice Michele has received 40:22 - Alternative careers and passions outside finance 42:10 - How trade shows like World Travel Market inspire industry standards 43:50 - Personal recharge routines and work-life balance 44:53 - Dinner with a leader past or present to seek insights 45:59 - Michele's vision for the future of the exhibitions   46:23 - Introduction to Tommy Goodwin and the Legislative Action Day  46:50 - Tommy discusses the significance of recording in person  47:00 - Record attendance and meetings at the event  47:34 - Highlights of the day and the importance of large group meetings  48:10 - The role of weather and special guests at the event  49:18 - Importance of sharing personal stories with lawmakers  50:19 - The scavenger hunt and its competitive nature  51:29 - Unique aspects of Capitol Hill culture  52:18 - Construction in D.C. and preparations for America's 250th  54:25 - The value of meeting with congressional staff  56:14 - The influence of congressional staff on decision-making  56:45 - Conclusion of the day and social gathering at Bullfeathers  Guest Bio: Michèle Tiley-Hill - Chief Financial Officer, RX             No stranger to entrepreneurial businesses where the pace of change is exceptional, Michèle's experience has been invaluable at RX since she joined as CFO. A seasoned finance executive, Michèle trained at KPMG and developed her financial career in the sports, media and entertainment sectors. Prior to joining RX in 2017, Michèle was Global CFO at MEC (a founding partner of GroupM, now WPP Media, the company's media investment group) where she had also held finance and commercial leadership roles in the EMEA region during her 11 years there.     A qualified chartered accountant, Michèle was attracted to RX by the opportunity to combine the best of face to face with digital and data, something that has benefitted enormously from Michèle's many years of hands-on commercial experience and success in leading financial and commercial operations in decentralized and complex structures. The combination of Michèle's approachability, humility and empathy enables her to build and maintain relationships across our global business, while the real transparency and openness she brings to her leadership style builds trust and confidence in those around her.    With an ability to laugh at herself and show vulnerability, Michèle encourages colleagues to share their views and diverse perspectives and is inspired by those that make a difference. Values that are all-important in her involvement with the RX Global Inclusion Council. Michèle is also executive sponsor to the RX Operations Leadership Team and a member of the RELX Compliance Committee.    Want to know more? Read One to Watch: RX CFO Michèle Tiley-Hill. She shares leadership lessons from the C-suite and 10 ways to inspire a trade show team. 

Si quieres ser la próxima en venir al programa te dejo aquí abajo el formulario

In this twelfth installment, James explains Modified Endowment Contracts (MECs), how they occur, and why policy design should focus on long-term performance rather than maximizing early cash value. He discusses MEC limits, policy flexibility, and common misconceptions surrounding overfunded whole life insurance. As always, we hope you enjoy the episode, and thank you for listening!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Follow us on Facebook:➳ https://www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

As heard on the WSJM Morning Show with Ken & Friends, Midwest Energy & Communications CEO Terry Rubenthaler joins us to talk about MEC, their community impact, and internet services they provide in rural communities.See omnystudio.com/listener for privacy information.

Bonjour, nous sommes Thomas, Pierre et Arnaud.Avec Lucas Beaufrère-Dusotoit, que beaucoup connaissent notamment via Mec faut qu'on parle, on s'est demandé pourquoi il est si facile, dans les rapports amoureux, de rejeter la responsabilité sur l'autre. Avec lui, on a parlé de projection, de mauvaise foi, de culpabilité, de blessure, de mécanismes de défense… et de cette difficulté très humaine à reconnaître sa part sans se détester pour autant.Lucas nous aide à regarder ce qui se joue quand on accuse, quand on fuit, quand on inverse les rôles, et quand on transforme l'autre en coupable idéal pour ne pas se confronter à soi-même.« Au Cœur des Hommes », ce sont 3 amis (Thomas, Pierre et Arnaud) qui avons décidé de poser à des copains des questions concernant les rapports amoureux.À chaque épisode, nous recevons un nouvel invité et nous abordons un nouveau thème avec bienveillance.Avertissement : Il se peut qu'on dise des choses qui ne plairont pas à tout le monde… mais on va les dire quand-même.Un jeudi sur deux, écoutez-nous sur Apple Podcasts - Spotify - Deezer - Podcast Addict - Amazon Music - YouTube (sur le compte de Compagnie Club) - Acast Tous les liens sont ici : https://linktr.ee/aucoeurdeshommespodcastMerci de nous écouter, abonnez-vous, commentez-nous et partagez-nous ! Vous pouvez nous rejoindre sur Instagram : @aucoeurdeshommespodcast ou par mail : aucoeurdeshommespodcast@gmail.comLe compte Instagram de Lucas Beaufrère-Dusotoit est disponible via ses réseaux, et tu peux aussi retrouver son univers autour des relations, de la responsabilité affective et de la posture masculine sur ses différentes prises de parole en ligne. Si tu souhaites découvrir le fameux "Meuf, faut qu'on parle", le travail de Manon, clique-ici pour voir son insta.Besoin d'aide ? Visitez SOS Amitiés ou appelez le 3114 – Numéro National de Prévention du Suicide« Au Cœur des Hommes » est un podcast de Compagnie Club. Cet épisode a été enregistré dans les studios de RSTLSS. Merci à cette super radio rock pour son accueil depuis le début de cette belle aventure.♡Question subsidiaire : Et toi, quand quelque chose déraille dans une relation, quelle personne tu as besoin d'être pour nourrir ce qui est à l'intérieur de toi ?♡Voir Acast.com/privacy pour les informations sur la vie privée et l'opt-out. Au Coeur des Hommes est un podcast Compagnie Club. Enregistré à Rstlss studio. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

#płatnawspółpraca | Zapraszamy na wtorkowe "Onet Rano.", w którym gośćmi Odety Moro będą: prof. Wojciech Rafałowski, Socjolog, Uniwersytet Warszawski; Hubert Kurkiewicz, gitarzysta, kompozytor; Cura, wokalista; Mec. Paweł Matyja, prawnik, autor książki "Adwokat Diabłów"; Łukasz L.U.C. Rostkowski; kompozytor, producent muzyczny, raper, autor tekstów. Dodatkowo wystąpi zespół "Chair"! W części "Onet Rano. WIEM" gościem Joanny Górskiej będzie Paulina Gajowniczek, ekspertka w obszarze komunikacji marketingowej PKO Banku Polskiego.

A key suspect in a major fraud case linked to the Human Settlements Flood Disaster Relief Fund is expected in the Durban Magistrates Court this morning. The kingpin faces charges for illegally accessing emergency housing funds as part of a syndicate dismantled under Operation NenzaniLaEzweni. MEC Siboniso Duma says authorities are making strong progress in rooting out officials and politicians who sold or rented RDP houses to undocumented foreign nationals in areas including eThekwini and uMtubatuba. We spoke to Ndabezinhle Sibiya, Spokesperson for the MEC for Transport and Human Settlements in KZN, joins us on the line.

W audycji „Stowarzyszenie Antywiatrakowców im. Don Kichota” rozmówcy dyskutują o przyszłości polskiej energetyki jądrowej, raporcie Horyzont Atomowy, specustawie i ryzyku opóźnień przy budowie elektrowni w Choczewie. Mec. Wanda Buk, prof. Ludwik Pieńkowski i Zbigniew Zieliński spierają się o to, czy problemem jest nadmiar procedur, brak koordynacji państwa czy zbyt daleko idące pomysły zmian w prawie atomowym. W drugiej części rozmowa schodzi także na energetykę wiatrową, doświadczenia Wielkiej Brytanii i pytanie, jaką drogą powinna pójść Polska, by zapewnić sobie stabilne źródła energii.

Na terceira edição deste boletim você confere:- MEC divulga edital e datas da prova do Enem 2026; - Estudo aponta que 4 em cada 5 idosos com demência não possuem diagnóstico. - Spotify anuncia que vai permitir criar covers e remixes de músicas com IA. O Boletim Rádio Gazeta Online é um conteúdo produzido diariamente com as principais notícias do Brasil e do mundo. Esta edição contou com a apresentação dos monitores Thales Faria e Fábio Barreto, dos cursos de Jornalismo.Escute agora!

Rejugando 304: Forza Horizon 6, Yoshi and the Mysterious Book, Summer Game Fest y el regreso del ReJuniando Nuevo programa de Rejugando, en un episodio 304 marcado por el ambiente previo al Summer Game Fest, el regreso de la actualidad fuerte de la industria y una RetroBarcelona 2026 que dejó anécdotas, conciertos, encuentros con oyentes y muchísimas conversaciones sobre videojuegos clásicos y actuales. El programa arranca repasando precisamente todo lo vivido en RetroBarcelona, una edición especialmente multitudinaria donde el equipo coincidió con gran parte de la comunidad de Rejugando, otros medios y figuras históricas de la industria japonesa como Yoko Shimomura y Michiru Yamane. Entre conciertos, charlas, trivials y encuentros improvisados, el ambiente retro volvió a convertirse en uno de los grandes protagonistas del programa. Juegos que cumplen años: Pac-Man, Mario Galaxy 2, Persona 5 Dancing y más clásicos Como ya es tradición, el equipo repasa videojuegos que celebran aniversario durante esta segunda quincena de mayo. El listado deja momentos muy nostálgicos: Pac-Man cumple 46 años. Dragon's Dogma alcanza los 14 años. Odin Sphere llega a los 19 años. Super Mario Galaxy 2 cumple 16 años. Persona 5: Dancing Star Night cumple 8 años. Infamous alcanza los 17 años. Pandora's Tower celebra 15 años. Daikatana vuelve a salir a escena junto al nombre de John Romero. La conversación deriva también hacia cómo RetroBarcelona sirve precisamente para tomar conciencia del paso del tiempo en la industria y de la enorme cantidad de sagas históricas que siguen vivas décadas después. State of Play de PlayStation: Wolverine, Ghost of Yotei y apuestas para junio Uno de los grandes bloques del programa gira alrededor del anuncio oficial del próximo State of Play de Sony, fechado para el 2 de junio y situado estratégicamente justo antes del Summer Game Fest. Las apuestas del equipo giran alrededor de varios nombres: Marvel's Wolverine como gran protagonista del evento. El nuevo Horizon Online. Posibles novedades relacionadas con Intergalactic: The Heretic Prophet. Rumores alrededor de Final Fantasy VII Remake Part 3. El equipo también comenta el contexto general del “junio jugón”, con el Summer Game Fest de Geoff Keighley y el showcase de Xbox como piezas clave de las próximas semanas. PlayStation Plus sube de precio y PlayStation sigue generando debate Otro de los temas principales del episodio es la nueva subida de precios de PlayStation para los planes mensuales y trimestrales de PlayStation Plus. Se comenta especialmente: La subida del modelo Extra y Premium. La estrategia de mantener intacta la suscripción anual. El malestar generado por el anuncio de última hora. El encarecimiento generalizado de todos los servicios digitales. A esto se suma el debate sobre la política de comunicación actual de PlayStation, la estrategia respecto a lanzamientos en PC y el movimiento de mantener ciertos juegos first party exclusivamente en consola. También se habla de la reciente brecha de seguridad en PlayStation Network y de los problemas relacionados con recuperación de cuentas y autenticación. Xbox y la nueva etapa liderada por Sarah Bond El bloque dedicado a Xbox se centra en la reorganización interna de la compañía y en los movimientos liderados por Sarah Bond. El programa repasa: Cambios en la estructura directiva. La nueva interfaz de Xbox. El debate sobre la necesidad de recuperar exclusivos fuertes. El estado actual de la marca tras la generación Xbox One. Las expectativas alrededor del próximo showcase de junio. También se analiza cómo Xbox intenta reconstruir parte de la identidad perdida durante los últimos años mientras Game Pass sigue siendo uno de los pilares del ecosistema. GTA VI, Rockstar y cifras absolutamente descomunales Durante la grabación llegan además datos financieros actualizados de Rockstar Games y Take-Two Interactive. Las cifras comentadas en el programa son gigantescas: Grand Theft Auto V supera los 230 millones de copias vendidas. La saga GTA alcanza los 470 millones. Red Dead Redemption 2 llega a 85 millones de unidades. La franquicia Red Dead supera ya los 115 millones. A partir de ahí el equipo debate sobre: El posible precio de Grand Theft Auto VI. El futuro de GTA Online. La transición entre GTA Online y el nuevo GTA VI. Los rumores sobre bundles con PlayStation 5. El impacto económico gigantesco que sigue teniendo Rockstar. Análisis de Forza Horizon 6: Japón, coches, libertad y obsesión por conducir Uno de los análisis centrales del episodio está dedicado a Forza Horizon 6. El programa profundiza en muchos aspectos del nuevo juego de Playground Games: Japón como escenario principal El cambio de ambientación respecto a México es uno de los puntos más celebrados. Japón aporta: Carreteras urbanas inspiradas en Tokio. Zonas montañosas alrededor del Monte Fuji. Cultura automovilística japonesa. Mayor protagonismo de coches JDM. Estética más sobria y nocturna. Rendimiento técnico El equipo destaca: 60 fps extremadamente sólidos en Xbox Series X. Rendimiento espectacular en PC. Tiempos de carga rapidísimos. Excelente modelado interior de vehículos. Efectos climáticos y cambios meteorológicos muy avanzados. Jugabilidad y estructura El juego vuelve a apostar por: Mundo abierto gigantesco. Libertad absoluta. Eventos arcade. Derrapes, velocidad y exploración. Personalización de coches. Compra de casas y decoración. Desafíos online y rankings entre amigos. También se comenta cómo el juego funciona incluso para jugadores poco interesados en coches gracias a su enfoque accesible y relajado. La banda sonora recibe mención especial por incluir música japonesa contemporánea y temas de YOASOBI. Primeras impresiones de Yoshi and the Mysterious Book El otro gran análisis del episodio gira alrededor de Yoshi and the Mysterious Book. Las primeras impresiones destacan: Un enfoque muy distinto al esperado. Mucho menos centrado en plataformas tradicionales. Mecánicas experimentales. Puzles y exploración. Sistema de descubrimiento de criaturas. Estética infantil muy cuidada. Música especialmente destacada. El juego sorprende por romper con la idea clásica de un plataformas de Yoshi y apostar por una estructura más experimental. Kingdom Come Deliverance 3 y el RPG de El Señor de los Anillos El programa también comenta el anuncio de: Kingdom Come: Deliverance III. Un nuevo RPG basado en The Lord of the Rings desarrollado por Warhorse Studios. La conversación gira alrededor del potencial de un RPG realista y detallista dentro del universo de Tolkien y del enorme reto que supone adaptar una licencia tan querida. Dungeons & Dragons cancela uno de sus proyectos También hay espacio para hablar de la cancelación de un nuevo videojuego de Dungeons & Dragons por parte de Hasbro. Aunque el proyecto desaparece, el estudio sigue trabajando junto a Hasbro en otros desarrollos relacionados con la licencia. Música, RetroBarcelona y comunidad Rejugando El episodio termina dejando claro el peso que sigue teniendo la comunidad alrededor de Rejugando. RetroBarcelona vuelve a convertirse en el punto de encuentro perfecto para oyentes, amigos y aficionados al videojuego clásico. Las actuaciones musicales inspiradas en sagas como: Castlevania Kingdom Hearts Final Fantasy XV ponen el broche a un programa cargado de actualidad, nostalgia, análisis y muchísimo ambiente de junio videojueguil. Y ahora sí: comienza oficialmente el “Rejuniando”. Antes de cerrar, recuerdan que la comunidad puede unirse a las partidas online de Forza Horizon 6 buscando a “RafaValencia137” y compartir impresiones del programa tanto en Twitch como en iVoox. Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

As heard on the WSJM Morning Show with Ken & Friends, Midwest Energy & Communications CEO Terry Rubenthaler joins us to talk about MEC, their community impact, and internet services they provide in rural communities.See omnystudio.com/listener for privacy information.

The Acting National police Commissioner, Lieutenant General Puleng Dimpane, has ordered maximum resources in the hunt for those behind the killing of Mahikeng crime activist and traditional healer Thato Molosankwe. Police say Molosankwe was shot multiple times at his Lomanyaneng home in the early hours of today. The North West Acting Provincial Commissioner has been tasked to lead the investigation. For more on this matter we are now joined on the line by the North-West Community safety MEC, Wessels Morweng. Bongiwe Zwane spoke to the North-West Community safety MEC, Wessels Morweng.

https://www.givesendgo.com/wrap-around-the-punt-familyBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans delivers the third installment of the IBC Master Class, walking through the mechanics of policy loans and making an urgent case for why protection must come before growth. Hans implores fathers to button up their protection plan before chasing the next moonshot investment. He then transitions into the technical heart of the episode: how policy loans actually work, why they're the most powerful lending tool available to consumers, and how this single mechanism lets you keep your money compounding while you put it to work elsewhere.Chapters: 00:00 – Opening segment 01:00 – Recap of Parts 1 and 2: cash value, base premium, PUA, and the MEC line 05:30 – A father's tragedy and a wake-up call 08:30 – Why "buy term and invest the difference" leaves families exposed 11:25 – Protect, save, grow: the proper order of operations 13:30 – The three types of economic death (Solomon Huebner) 18:35 – The Accelerated Death Benefit Rider: a free lifeline most people ignore 20:15 – Waiver of premium and how a policy becomes self-completing 23:00 – Setting up the policy loan illustration24:35 – The three players: cash value, the insurance company, and your bank account 27:25 – Why moving money from savings, stocks, or HELOC depletes the source 29:50 – Using the death benefit as collateral (and why the company says yes) 32:20 – The certainty of repayment: why there's no schedule, application, or credit check 36:40 – The mortgage comparison: what changes when the lender is the guarantor 40:05 – Bitcoin-collateralized loans vs. policy loans: control and stress 43:45 – The 100% rate of return: how you become the banker 48:00 – What the illustration doesn't show you: capital working in multiple places 50:50 – Non-direct recognition: getting the full dividend regardless of loans 52:55 – The free rider that becomes a lifeline (revisiting accelerated death benefit) 57:50 – Closing thoughts Key Takeaways:Protect, save, grow is the order, not a suggestion. Optimizing for IRR while leaving protection gaps builds a skyscraper on sand. One accident, illness, or long-term care event can wipe out every growth asset you've ever acquired.The policy loan is the most effective lending tool a consumer has access to. No application, no credit check, no schedule, no amortization, no questions asked. Because the insurance company is the guarantor of the collateral, they have certainty of repayment and don't care when you pay it back. Your cash value never gets touched. The company lends you their money and collateralizes your death benefit. Your full cash value keeps compounding, your dividends are calculated on the full policy value, and your capital stays working. The Accelerated Death Benefit Rider is a free lifeline most policyholders forget exists. A specific medical condition, chronic illness, or terminal diagnosis lets you advance your death benefit while you're still alive. You become the banker by spreading on your own capital. Borrow at 5%, invest at 10%, and you've replicated what commercial banks do. That's a 100% rate of return on the spread. The illustration doesn't show the whole picture. The cash value column shows uninterrupted compound growth, but it doesn't reveal that the same capital can be funding rental properties, syndicates, and options trades simultaneously. 

Hoje, ‘No Pé do Ouvido, com Yasmim Restum, você escuta essas e outras notícias: Flávio Bolsonaro admite que mentiu sobre ligação com ex-dono do Master, mas nega que dinheiro tenha sido usado para bancar despesas pessoais do irmão. Parte do Centrão e pastores com grande atuação política já discutem alternativas à candidatura do filho de Jair Bolsonaro. MEC entrega menos de 40% dos livros em braile previstos para 2026. E desmatamento na Mata Atlântica em 2025 é o menor da série histórica. See omnystudio.com/listener for privacy information.

On this episode of the Cliff Notes Podcast:Maryville girls soccer knocks off rival Savannah to win an outright MEC conference championship the 1st since 2003. Hear from Spoofhound coach Stephanie Ingram and senior Payton Kurz.Tuesday Scores Wanna thank all of our great year long Sponsors who make all of this possible.Tolly & Associates Little Caesars of St. Joseph John Anderson InsuranceMeierhofer Funeral Home & Crematory HiHo Bar & Grill Barnes Roofing Jayson & Mary Watkins Matt & Jenni Busby Michelle Cook Group Russell Book & Bookball 365 The St. Joseph MustangsB's Tees KT Logistics LLC Hixson-Klein Funeral Home James L. Griffith Law Firm of Maysville Toby Prussman of Premier Land & Auction Group, HK Quality Sheet Metal, Redman Farms of Maysville, Melissa WinnHenke Family Farms, Green Hills Insurance LLC., Cintas, Thrive Family Chiropractic, IV Nutrition of St. Joseph, Roth Kid Nation Serve Link Home Care out of Trenton, Barnett's Floor Renewal LLC., Balloons D'Lux, B3 Renovations, The Hamilton Bank member FDIC, Wompas Graphix & Embroidery of LibertyEllis Sheep Company of Maysville, Bank Northwest of Cameron, Akey's Catering & Event Rentals, Brown Bear of St. Joseph, Wolf Black Herefords, Rob & Stacia Studer, Annie & Noah Roseberry of Re/Max Professionals, Moseley Farms, Jake Anderson of Shelter Insurance A slice & a swirl of Maysville Adkison Barber ShopMoyer Concrete of Maysville Cody Vaughn Wealth Advisor with ThriventGallatin Truck & Tractor Grandmas Gun Shop in Agency Nash Gas in Dearborn Accurate Appraisal in St. Joseph Ryan Meyerkorth SeedB.W. Timber of Bethany Mosaic Medical Center of Maryville Exclusive P.R. of Chicago Great Than Financial Hogue Lumber Company of Albany Stifel in ChillicotheUnited Cooperates, INC out of Osborn & Pattonsburg MP and Sons Contracting in Maysville JA White Construction in Maysville BTC Bank Seth & Marcie Davis of the Fitz Group Home and LandGRM Networks Perry Plumming & Septic LLC of Rock PortCitizens Bank and Trust of Rock Port C&M Business Machines Deal Travel and Cruises LLCKovacs FireworksBray Farms of Cameron The Drug Store in Cameron Pettijohn Auto Center in Bethany Terry Implement Co., INC. Of Gallatin Re/Max Partners of Cameron- Dan & Staci Early The Bunker Club of Savannah North Central Missouri College in Trenton & SavannahCooters Plumbing in Lathrop Steven Frieden Excavating Gregg Lawn & Landscape North Mercer Athletic Booster ClubStronger Starts Now Heather Bennett AgencyLathrop Chiropractic CenterSchulenberg Contracting LLCGabe EdgarWigfield Farms in Chillicothe

The history of money explains why the financial system works the way it does today. In this episode, Jim and Nick walk through the major shifts that changed the American financial landscape, from the gold standard to fiat currency, the rise of Wall Street retirement plans, and the creation of the MEC line. They unpack how control of capital slowly moved away from individuals and toward governments, banks, and financial institutions. Along the way, they explain why wealthy families continued using whole life insurance while the public was encouraged to move money into qualified plans and market-based products. The conversation also covers universal life insurance, policy efficiency, and why long-term stability matters more than flashy illustrations. Understanding these historical shifts helps explain why Infinite Banking remains relevant for people seeking greater control, liquidity, and long-term certainty. Key Takeaways: - The gold standard placed limits on monetary expansion - Fiat currency accelerated inflation and currency debasement - ERISA and 401(k)s redirected capital toward Wall Street - Whole life insurance remained a core asset for wealthy families - Long-term policy strength matters more than short-term efficiency Chapters 00:00 Lessons From History 02:54 The Gold Standard Explained 05:15 Nixon Ends the Gold Standard 06:39 Fiat Currency and Inflation 07:43 ERISA, 401(k)s, and Wall Street 10:00 The Shift Away From Whole Life Insurance 12:22 Universal Life and Policy Design Risks 14:49 MEC Lines and the 7-Pay Test 19:38 Why Fragile Policies Break Down 21:09 Why Wealthy Families Kept Using Whole Life Insurance ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

Kerry Mauchline, pokesperson for David Maynier, MEC for education in the Western Cape, joins Amy MacIver to give an update on school closures due to extreme weather in the Western Cape. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans returns for Part 2 of the IBC Masterclass, picking up where the first conversation left off. If Part 1 was about understanding what cash value actually is, this episode is about why your policy is structured the way it is, why you can't just dump everything into PUA, and what a real whole life illustration actually looks like line by line.Chapters: 00:00 – Opening segment 03:35 – A brief history of the Modified Endowment Contract (MEC) 07:20 – Section 7702 and the tax benefits that make whole life work 10:35 – The arbitrary 7-year test and how Congress drew the line 17:45 – Why faster payment timeframes require larger premiums 20:30 – Visualizing the MEC line: where the IRS draws the boundary 24:15 – The consequences of MECing a policy (losing your tax benefits) 27:20 – Introducing the term rider: the third type of premium 29:40 – How a small term premium raises your MEC ceiling 31:50 – The 50/50 vs 20/80 tradeoff and when term riders are needed 35:50 – Reading the premium breakdown page 36:50 – Guaranteed vs non-guaranteed sides of the ledger 38:20 – The three assumptions baked into every illustration 45:50 – When your dividend exceeds your base premium 46:30 – Calculating year-over-year growth as a "savings rate" 50:20 – Why you never want premium payments to stop 53:20 – Closing segmentKey Takeaways:Whole life insurance is so powerful that financial services firms had to lobby Congress to restrict it. In the 1980s, money flooded into whole life because CPAs were directing wealthy clients to use single-pay policies as a tax-favorable wealth transfer tool. Mutual fund companies, losing market share, lobbied for what became the 1988 TAMRA legislation and the Modified Endowment Contract rules. The MEC line is the boundary your agent is structuring around. Section 7702A says that if you pay up your death benefit faster than seven years, your policy loses its life insurance tax treatment and becomes a Modified Endowment Contract. Once “MEC'd”, you cannot reverse it. Policy loans, cash value growth, and dividends all become taxable. The term rider exists to expand your PUA allowance. By adding a small amount of term premium (often a few hundred dollars), you buy a large chunk of additional death benefit cheaply. That raises the MEC ceiling, which lets you pay more PUA premium without crossing the line.The more you dial down base in favor of PUA, the more term you need. A 50/50 policy usually doesn't need a term rider. A 20/80 structure does. The tradeoff: more PUA means faster cash value, but it requires more careful structuring to stay under the MEC line.A properly structured policy hits profitability fast. In the Jinx McCashValue example, the policy generates more cash value than premium paid by year three. By year 17, $20,000 of premium creates $41,000 of cash value growth in a single year. By age 65, the dividend alone exceeds the entire annual premium.You should want to keep paying premium for as long as possible. Once your dividend exceeds your premium, every additional payment is a deeply discounted purchase of future tax-free growth. Hans frames this as capitalizing your system, not funding an expense. The day you have to stop paying is the day to be sad, not the day you've been waiting for.

Engage Weekly is live. Here is your MEC news checklist. NC - No Major Movement, But Talks Continue FIFA World Cup 2026 - Commuters Need to Plan Now SkyHop  - What You Need to Know April 21 New Hire Class - The Latest Numbers Hogs, Hops, and Warbirds - May 17 Family Event A Look Ahead to the Park City MEC Pub Event Also, All the Committee News, Events, and Info You Can Handle

Most people buying whole life insurance leave 40-60% of potential cash value on the table. Here's why.

There's a persistent claim that indexed universal life insurance is doomed to fail because rising costs of insurance will eventually eat the policy alive. The story usually goes something like this: someone bought a universal life policy decades ago, paid faithfully, and one day got a notice that the policy was about to lapse unless they wrote a big check. That story has a grain of truth behind it, but the magnitude of the claim is wildly overstated. The original problem traces back to universal life policies sold in the 1980s as cheap alternatives to whole life. Those sales relied on interest rate assumptions above 8 percent that never materialized, which meant the premiums being paid were never enough to keep the policies functioning long term. The question worth asking today is different. If you set out to deliberately design an indexed universal life policy badly — to actually make it collapse — how badly would you have to screw it up? To find out, we ran the test. Starting with a properly structured policy on a 35-year-old male, $30,000 annual premium, and the minimum non-MEC death benefit of about $637,000, we then doubled, tripled, quadrupled, and kept going to see when the policy would actually fail. Doubling the death benefit didn't break it. Tripling didn't break it. Quadrupling didn't break it. Even five times the appropriate death benefit kept the policy alive through age 121. It took six times the correct death benefit — a $3.8 million death benefit on a premium meant to support $637,000 — before the policy finally collapsed in the client's early 90s. The lesson is straightforward: when an IUL fails, the product isn't the problem. The design is. And a properly designed policy carries lifetime fees averaging around 0.2 to 0.25 percent of cash value, which is a remarkable deal for managed money. _______________________________________________________ If you're holding an IUL illustration and want to know whether it's structured correctly — or if you're trying to figure out whether what you already own is built to last — schedule a call or send us a message and we'll take a look at it with you.

In this episode, Jim and Nick break down how banking actually works and how a properly structured whole life policy can step into that role. The focus is not the product, it's the system. They walk through term vs whole life, the MEC line, and why most financial strategies rely on projections instead of guarantees. Then they shift to what matters most, using the system to move money, create cash flow, and build long-term control. When done right, your money doesn't stop working. It keeps compounding while you deploy it elsewhere. That's the shift: From storing money → to directing it. Key Takeaways - Infinite Banking is a process, not a product - Term insurance provides coverage, not control - Whole life, when structured properly, creates usable capital - The MEC line defines how far you can push efficiency - Policy loans allow your money to keep growing while in use Wealth is built through velocity and control of capital Chapters 00:00 Why Banking Is the Real Focus 01:47 Term vs Whole Life 06:36 The MEC Line Explained 10:12 Structuring for Control 17:17 Guarantees vs Projections 22:48 How Policy Loans Work 24:04 Creating Cash Flow 28:11 Rethinking How Money Works ______________________________ If you're ready to break away and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

En este vídeo analizamos a fondo lo que he decidido titular como "la estafa de los nuevos Premium". Un fenómeno que se ha vuelto descaradamente evidente tras la crisis de los microchips y la pandemia de 2020. Los fabricantes han aprendido una lección peligrosa para el bolsillo del consumidor: es mucho más rentable vender menos unidades, pero a un precio mucho más alto. Mucho más alto. Históricamente, las marcas generalistas como Citroën, Fiat, Hyundai o Seat vivían de la economía de escala: fabricar millones de coches con un margen de beneficio pequeño por unidad. Sin embargo, el paradigma ha cambiado radicalmente en 2024 y 2025. Grupos como Stellantis o Mercedes-Benz reportan beneficios récord a pesar de vender menos volumen. El "truco" consiste en disfrazar modelos básicos como vehículos de alta gama mediante equipamiento superficial y estrategias de marketing "aspiracional". El triunfo del maquillaje sobre la ingeniería El concepto de lujo ha mutado de forma preocupante. Ya no se busca la sofisticación técnica, el ajuste milimétrico o la durabilidad mecánica, sino el impacto visual inmediato. Las marcas están sustituyendo a los ingenieros de chasis por expertos en "estilo de vida". Te venden una "experiencia vital conectada" para que dejes de preguntar por el tipo de motor o si el eje trasero es multibrazo. Hoy, el lujo se mide en pulgadas de pantalla y en la cantidad de colores disponibles para la luz ambiental. Genealogía de plataformas: El esqueleto compartido Uno de los puntos clave de este ahorro de costes invisible es el uso de las plataformas modulares. Son, básicamente, un mecano gigante. Tomemos como ejemplo la plataforma MQB del Grupo Volkswagen: es la base tanto para un Skoda Fabia de precio contenido como para un Audi TT o un VW Arteon que triplican su coste. Pagas un sobreprecio enorme por la "piel", pero el esqueleto es exactamente el mismo que el del coche de tu vecino. Lo mismo ocurre con la plataforma CMP / STLA Small de Stellantis. Es la base del Peugeot 208, el Opel Corsa, el Jeep Avenger y el nuevo Lancia Ypsilon. Si quitamos la carrocería, serían indistinguibles. Cinco marcas, cinco precios distintos, pero una sola alma técnica. Incluso marcas como BMW han sacrificado su ADN, abandonando la propulsión trasera en sus modelos de acceso para compartir la plataforma UKL con Mini. El resultado es que un Serie 1 actual tiene más en común con un Mini Countryman que con las legendarias "máquinas de conducir" que forjaron la leyenda de la marca bávara. El "truco" de lo aspiracional y los motores compartidos Las marcas han popularizado el término "aspiracional" como un sustituto descafeinado de "Premium". Analizamos casos flagrantes donde el maquillaje intenta justificar precios desorbitados: -Cupra: Un éxito de marketing que logra que pagues miles de euros extra por un Seat León con pintura mate y detalles en color cobre. Mecánicamente, es el mismo coche con más "postureo". -DS Automobiles: Bajo el cuero con costuras de diamante de un DS 7, a menudo late un motor 1.2 PureTech de tres cilindros que podrías encontrar en una furgoneta de reparto. -Alpine: El espectacular A110 utiliza mandos de luces y satélites de audio de un Renault Clio IV en un coche que ronda los 75.000 euros. La pérdida de identidad llega hasta el corazón del vehículo. Hoy, el emblema en el capó no garantiza una mecánica exclusiva. El polémico motor 1.3 de gasolina desarrollado entre Mercedes y Renault (bloque M282) lo monta desde un humilde Dacia Duster hasta un Mercedes Clase A. Mercedes afirma que ellos "lo ponen a punto", pero el bloque de hierro es el mismo. ¿Pagarías por un reloj suizo de lujo si supieras que su maquinaria es un cuarzo básico? China y la obsolescencia digital La irrupción de los fabricantes chinos ha terminado de poner en evidencia a las marcas tradicionales. Marcas como Zeekr u Omoda ofrecen interiores con doble acristalamiento y procesadores de última generación a precio de generalista europeo. Han entendido que el cliente actual valora más un "gadget" que un motor. Un ejemplo brillante de marketing es llamar "piel vegana" a la polipiel sintética de toda la vida para que parezca un avance ecológico y exclusivo. Precedentes históricos: El pecado original Aunque aprovechar piezas viene de lejos, antes era una anécdota de ingeniería. Desde el De Tomaso Pantera con pilotos de Alfa Romeo hasta el Lamborghini Diablo, que usaba los faros de un Nissan 300ZX tapados con una moldura de carbono. Incluso el Jaguar XJ220, el coche más rápido de su época, utilizaba los retrovisores de un Citroën CX por pura eficiencia aerodinámica. La diferencia es que antes se hacía para mejorar el rendimiento o por economía de escala en piezas secundarias; hoy se hace para maximizar el beneficio disfrazando la mediocridad.

The trajectory of the success for a dairy cow begins with mammary development, long before lactation begins.  Dr. Benjamin Enger, Associate Professor for The Ohio State University in Wooster, has worked with his team for years to best understand how infection can change the development and if the timing of infection impacts that response. He was specifically interested in Staphylococcus aureus (SA), a common contagious pathogen in dairy farms. To study this, 21 bred heifers at three stages (6.5, 7.5 and 8.5 months) of pregnancy were inoculated, and tissue samples were collected 21 days later to determine the damage done. In this edition, there is much discussion about the physiology of mammary gland development and how different stages of pregnancy impacts progress towards lactation. Understanding the development of the mammary, will likely illuminate the importance of seemingly meniscal management steps. Analyzing your farm's data could hold the key to eliminating what might be the source of this devastating pathogen. Listen in today to learn more! Topics of discussion 1:40      Introduction of Dr. Ben Enger   3:08      Project set up 3:47      Knowledge gained in projects leading up to this hypothesis 6:53      What is mammary epithelial cells (MEC) and stromal cells 10:18    How did Staph Aureus (SA) impact amount of MEC and stromal cells in infected quarters 13:21     Cellular changes in heifers 6.5 vs 8.5 months pregnant 17:00     Cellular differences between the edge tissue vs the center (pic p4) 18:40    Duration of impact as the result of SA infection in pregnant heifers   20:54     How does SA get into calves prior to freshening? 22:53    Did you observe immunotolerance in the pregnant heifers? 25:53    What do you want ‘boots on the ground' dairymen to know about your project  27:26    Experimental increase of milk using blanket therapy to heifers precalving 28:17    Examine first test SCC in first calf heifers 27:20     What do you want ‘boots on the ground' dairymen to know about your project                 Featured Articles: Impact of Staphylococcus aureus intramammary infection on cellular proliferation and apoptosis on developing mammary glands of pregnant dairy heifers Supporting article: Impact of intramammary infections on mammary gland development in pregnant dairy heifers during late gestation #2xAg2030; #journalofdairyscience; #openaccess; #MODAIRY; #SA; #staphaureus ; #SA; #mammary; #mammarydevelopment; #heifer; #milk; #dairysciencedigest; #ReaganBluel

Bom dia Tech! Tudo bem? Meu nome é Arthur Givigir e hoje é quinta-feira, dia 09 de abril de 2026 e trago para você as principais notícias de tecnologia, vamos lá?Quer patrocinar ou fazer uma parceria com o Bom dia Tech? Mande um e-mail para contato@bomdia.teche vamos conversar!Notícias00:23: MEC lança aplicativo gratuito com quase 8 mil livros para empréstimo e leitura01:40: Jovi diz que V70 5G vendeu 40% mais que o antecessor e amplia produção em Manaus02:50: WhatsApp começa a liberar nomes de usuário para conversar sem compartilhar telefone04:00: Google lança app de ditado com IA no iPhone e aposta em transcrição local sem internet05:08: Anthropic cria IA tão poderosa em cibersegurança que decidiu não liberá-la ao público06:08: iPhone dobrável segue no caminho para ser lançado em setembro07:01: Inté a próxima!Produtos do EpisódioNintendo Switch OLEDBundle Nintendo Switch OLED com Mario Kart 8PlayStation 5 SlimPlayStation DualSenseAmazon - Semana do ConsumidorXbox Series S (Mercado Livre)PlayStation 5 (Mercado Livre)Nintendo Switch Oled (Mercado Livre)Samsung Galaxy S24Samsung Galaxy S24 UltraApple iPhone 16 (128 GB)Apple iPhone 15 (128 GB)Apple iPhone 14 (128 GB)Apple iPhone 14 Plus (128 GB)Comprando qualquer produto com esses links, o Bom dia Tech recebe uma pequena comissão e você ajuda no crescimento do podcast.Redes sociais:InstagramThreadsMastodonImagem da capa:Sonny Dickson

This is an Engage Alert with a critical update regarding contract negotiations and an important strategic development. Next week, opening proposals are to be exchanged, marking a major milestone in the Section 6 process and the beginning of the next phase for Delta pilots. In this episode, MEC Chairman Captain Eric Criswell and Negotiating Committee Chairman Captain Bill Finlay join us to outline the strategy, priorities, and expectations moving forward - including the announcement of a more accelerated and focused negotiation path. The union is pursuing an approach centered on a concise set of high-value priorities targeting pay, retirement, and quality of life, with the goal of delivering significant and meaningful gains on a shorter timeline. But one message is clear: Early does not mean discounted. Any agreement must meet pilot expectations and stand on its own value, regardless of timing. If that standard is not met, the MEC is fully prepared to pivot to a more traditional, comprehensive approach. This conversation also addresses: Why this strategy is being pursued now How pilot feedback is directly shaping priorities What happens if the Company doesn't engage Lessons learned from past negotiations What pilots should expect in the months ahead Both Captain Criswell and Captain Finlay make this clear: Delta pilots are firmly in the driver's seat. This is a deliberate strategy designed to capture value sooner without sacrificing leverage or outcomes. Stay informed. Stay engaged.

Explore and learn the key points from the book Rich Dad Poor Dad written by Robert Kiyosaki. Build a system of assets instead of liabilities. Learn to think like the rich instead of like the poor and middle class. Dr. Steve Hryszczuck read Rich Dad Poor Dad and implemented some of the principles of the book into his life. The results yielded a system of assets providing a cashflow return. We sat down with Dr. Steve and he shares and explains what he has done, and how it is working for him in these two episodes here: Real Estate Investing with Dr. Steve Hryszczuk: https://youtu.be/_r552FyHfc0 Infinite Banking and Real Estate with Dr. Steve Hryszczuk: https://youtu.be/aFqxeENXIiY  –––––––––––––––––––––––––––––––––––––––––––––––––– On wealth talks podcast we break down Nelson Nash's revolutionary Infinite Banking Concept step by step. Learn exactly how to start infinite banking, including: - Choosing the right dividend-paying whole life policy and adding powerful riders - Properly overfunding your policy to maximize early cash value growth (without triggering MEC rules) - Borrowing against your cash value tax-free while your money continues compounding - Repaying yourself on your terms to recapture interest banks normally keep - Real-world examples, common mistakes to avoid, and tips for building generational wealth Discover how to start infinite banking and take control of your finances with the Infinite Banking Concept (IBC) — the proven strategy to become your own banker using dividend-paying whole life insurance. Whether you're new to the Infinite Banking Concept or looking to optimize your existing setup, we explain the fundamentals in plain English — no hype. Hear from verified IBC practitioners, policyholders who've implemented the strategy successfully, and experts who reveal how the wealthy use privatized banking to finance cars, homes, investments, and businesses without traditional lenders. If you're searching for how to start infinite banking, tired of losing interest to banks, or ready to build a personal banking system that grows wealth safely and predictably, subscribe now and start your journey to financial independence. New episodes drop weekly. Listen on Apple Podcasts, Spotify, or your favorite platform — and take the first step toward becoming your own banker today! #InfiniteBanking #BecomeYourOwnBanker #WholeLifeInsurance #FinancialFreedom #CashValueLifeInsurance Follow the Wealth Talks Podcast on: Instagram: https://www.instagram.com/wealthtalkspodcast/?utm_source=ig_web_button_share_sheet&igshid=OGQ5ZDc2ODk2ZA== Facebook: https://www.facebook.com/profile.php?id=61554798231074 Listen to the Wealth Talks Podcast on: Apple Podcasts: https://podcasts.apple.com/gb/podcast/wealth-talks/id978187163 Spotify: https://open.spotify.com/show/7MOugefeGkTl5jdkhYdjvQ?si=80ce9359d8e54cc8  

Nos encontramos en un momento crítico para el sector del automóvil. En pleno 2026, el mercado se ha convertido en una "tormenta perfecta" donde la incertidumbre tecnológica, las restricciones de las Zonas de Bajas Emisiones (ZBE) y el aumento salvaje de los precios nos obligan a hacernos una pregunta fundamental: ¿Merece la pena vender mi coche de 6 años ahora que tiene valor, o es mejor invertir en él y aguantarlo un lustro más? En este vídeo analizamos por qué la respuesta no es tan sencilla como parece y por qué, en muchos casos, la "decisión emocional" de estrenar coche puede ser un error financiero de miles de euros. El contexto del mercado en 2026 Venimos de una escalada de precios sin precedentes. Vehículos que hace apenas unos años eran accesibles han subido su tarifa casi un 60 por ciento, a lo que debemos sumar unos tipos de interés que encarecen cualquier financiación. Si bien es cierto que el mercado de ocasión está "hinchado" y te darán mucho por tu coche usado, la realidad es que lo que ganes en la venta lo perderás —y con creces— al adquirir el nuevo. Argumentos para "estirar" tu coche actual Financieramente, un coche de 6 años ya ha sufrido el golpe fuerte de la depreciación. A partir de ahora, su valor bajará mucho más despacio. Cada mes que pasas sin pagar una cuota de 400 o 500 euros por un coche nuevo, es dinero que se queda en tu bolsillo. Además, con una inversión inteligente de unos 3.000 euros, puedes realizar una "puesta a cero" que le devuelva la juventud a tu vehículo: -Mecánica: Cambiar amortiguadores y silentblocks recupera el aplomo original. Una descarbonización en motores diésel mejora el consumo y la respuesta. -Estética y Confort: Un detallado profesional, el pulido de faros o instalar una unidad multimedia con Android Auto/Apple CarPlay inalámbrico eliminan la sensación de obsolescencia tecnológica. -Seguridad: Si tu coche es Euro 6 y tiene etiqueta C o ECO, todavía tiene muchos años de libre circulación por delante antes de que las restricciones sean totales. ¿Cuándo es el momento de cambiar? No siempre "estirar" es la solución. Existen tres escenarios donde la compra de un vehículo nuevo o seminuevo está justificada: -Necesidad de Etiqueta: Si vives o trabajas en el centro de grandes urbes donde las ZBE de 2026 se han vuelto extremadamente estrictas y tu coche actual no puede entrar. -Seguridad Activa (ADAS): Si tu coche es anterior a 2016 y carece de sistemas de frenada de emergencia o control de crucero adaptativo, el salto en seguridad para viajar con la familia es un argumento de peso. -Averías Recurrentes: Si el coste de mantenimiento anual empieza a acercarse al valor del coche o a lo que costaría una cuota de renting, la lógica dicta el cambio. La comparativa real: Los números no mienten En el vídeo planteamos un caso práctico: ¿Invertir 3.000 euros en mantener un compacto de 2019 o gastar 39.000 euros (tras intereses) en uno nuevo híbrido? La diferencia de 36.000 euros es una barrera difícil de justificar solo por "estrenar", especialmente cuando el diésel moderno sigue siendo la herramienta más eficiente para grandes kilometrajes por autopista. Conclusión y Mantenimiento Preventivo Si tu coche tiene entre 4 y 8 años y funciona bien, aguantarlo es, probablemente, la decisión financiera más brillante que puedes tomar hoy. La clave para que esta estrategia funcione es pasar del mantenimiento recomendado al mantenimiento preventivo: cambios de aceite cada 15.000 km, revisión de líquidos cada dos años y vigilancia estricta de la distribución. No te dejes llevar por el pánico mediático ni por las deudas. Un coche bien mantenido y conocido es, a menudo, mejor que una deuda de cinco años por una tecnología que todavía está en transición.

If You're Chasing Early Cash Value, Read This First Bruce and I were recording across three time zones, and that detail matters more than you might think because it mirrors what most families are trying to do with their money - coordinate a life that spans seasons, responsibilities, and decades, while the financial world keeps shouting “faster” like everything that matters can be microwaved. https://www.youtube.com/live/eDo8JKDV1zI That's why this episode landed with such urgency. Bruce had just attended the Nelson Nash Institute Think Tank and listened to John (our guest) unpack something we've been watching for years: people discovering the Infinite Banking Concept and immediately asking the wrong first question, which is usually some version of, “How fast can I get cash value?” I understand why that question shows up, especially if you're a high-capacity person who moves quickly, solves problems, and expects systems to perform, but I also need to tell you the truth as clearly as I can. If You're Chasing Early Cash Value, Read This FirstShort-term thinking plus Infinite Banking are incongruent. They cannot work together.What Proper Policy Design Protects You FromInfinite Banking Policy Design for Long-Term Results starts with long-range thinkingInfinite Banking Strategy: Control Over Rate of ReturnHow to design a whole life policy for Infinite Banking without chasing early cash valuePaid-up additions (PUA) rider explained in a long-range frameworkTerm riders in Infinite Banking: what you must know about long-range riskAvoid MEC risk in Infinite Banking policy designWhy premium duration matters more than early cash valueThe Big Takeaway: Premium Duration Beats Early Cash ValueListen to the Full Episode: Build This the Right WayBook A Strategy Call Short-term thinking plus Infinite Banking are incongruent. They cannot work together. If you overlay a quick-fix mindset onto a long-range asset like properly designed whole life insurance for Infinite Banking, you may feel like you're winning in year one while silently planting problems that show up in year seven, year twelve, or year twenty, right when you need your system to be the most dependable. This is not about fear. This is about building a process that can carry your family for generations. What Proper Policy Design Protects You From In this blog, Bruce and I are going to translate the core ideas from our conversation into a clear, practical guide you can actually use, because Infinite Banking policy design is one of those topics where the internet can confuse you fast, and confusion always creates hesitation, and hesitation is how families drift. By the end of this, you'll understand: Why the Infinite Banking strategy is built on control over rate of return, and why that ordering matters if you want to minimize regret later. The real tradeoffs behind “max funded” whole life policies, especially when the focus becomes maximizing cash value whole life insurance in the early years at the expense of long-range flexibility. How a paid-up additions (PUA) rider explained clearly can help you understand what's actually happening inside the policy, and why the PUA conversation is often oversimplified online. What a term rider on whole life insurance can do to policy performance and long-term options, including what happens when term riders drop off. How modified endowment contract (MEC) risk can appear through design choices and policy behavior, and how to avoid a MEC in Infinite Banking policy design. Why premium duration matters more than early cash value, especially if you want a policy you can keep funding as your income and capacity expand. This is not theory, and it's not marketing fluff. This is how you build a family banking system that stays strong when life gets real. Infinite Banking Policy Design for Long-Term Results starts with long-range thinking If you're new to Infinite Banking, I want you to take a deep breath and hear this with the right lens: the purpose of this conversation is not to make you distrust the concept, but to help you avoid the traps that happen when people treat Infinite Banking like a short-term investment instead of a long-term capitalization strategy. Bruce opened the episode with a blunt observation that I agree with: some people are turning Infinite Banking into a sales script, and the problem is that it can sell well upfront and even “work” for a few years, but then the long-range consequences appear at the exact moment you're counting on the policy to deliver more flexibility, not less. In the episode, Bruce described scenarios we've witnessed in real client reviews, where policies are designed for short-term optics and later run into constraints that can't be ignored. Sometimes the policy becomes “stuck” because the design doesn't allow meaningful ongoing funding. Other times, the policy can run into serious tax consequences because the underlying structure and behavior collide with IRS rules, especially if someone is heavily borrowing and a rider structure changes or falls off. If that sounds technical, here's the simple heart of it: When you design your policy for quick early wins, you often sacrifice long-term control. And Infinite Banking, at its core, is about control. Control over capital. Control over access. Control over timing. Control over your family's trajectory. Infinite Banking Strategy: Control Over Rate of Return John's background gave this conversation a powerful angle because he spent decades in Silicon Valley tech and data center real estate finance, and he watched how institutional investors - the people with real money and real accountability - make decisions. His key point was simple and disruptive to the consumer mindset: institutional investors prioritize control and risk first, and they treat rate of return as a close third. That matters because most families have been trained to believe that a higher return is the primary “win,” so they chase exposure, speculation, and upside, and then they wonder why the ride feels unstable, why sleep disappears, and why the plan keeps changing every time the market or headlines change. If you want a different outcome, you need a different order of operations. Control first. Risk management second. Return as a result of good process. That is why whole life insurance designed for Infinite Banking is not meant to be your “highest return” asset. It's meant to be a cash-equivalent foundation that stays liquid, predictable, and usable, so you can deploy capital into other assets and opportunities without losing the base. This is the part most people miss: you don't build wealth by finding one perfect asset that does everything. You build wealth by designing a system where each asset has a job, and the jobs complement each other. A properly designed whole life policy is a place to store capital, grow it steadily, and keep access to it through policy loans. The “return” happens when you use that access to create velocity in your personal economy, not when you obsess over the internal rate of return inside the policy itself. How to design a whole life policy for Infinite Banking without chasing early cash value Here's the tension John described that shows up constantly in the online conversation: people assume that high early cash value automatically means high long-term value, because that's how a normal account works, where more money earlier compounds longer. But whole life is not a normal account. John said something that is worth repeating: whole life insurance is a math equation, an actuarial calculation with tradeoffs, and there are no deals in the insurance business. When you optimize one area aggressively, you create a cost somewhere else, because cost and risk are always being balanced. So when someone tells you a “10/90,” “max funded,” or “overfunded” design is automatically “best,” what you should hear is: “This design is optimized for early cash value.” That might be useful in some cases, but it is not automatically best, and in many cases it can be limiting. John highlighted three common ways people chase high early cash value: Short-pay designs (like a 5-7 pay) where premiums stop after a short period. Short-duration PUA riders that allow heavy paid-up additions early but then drop to a much smaller base premium later. Long-duration term riders that allow larger early funding but introduce drag and risk later as the term coverage becomes costly or changes. All three approaches can create an early “pop” in cash value, but they can also create a long-range problem: you may not be able to keep funding the policy meaningfully right when the policy becomes most efficient at converting premium into cash value. This is where Bruce and I want you to slow down and catch the principle: Whole life policies get better every year. Somewhere around year 4-6, the policy often reaches the point where each premium dollar can create more than a dollar of new cash value, and that's when the system starts to feel like an asset that's firing on all cylinders. If your design stops you from funding heavily at that stage, you've built a system that peaks early and then plateaus, which is the opposite of what a family banking system should do. Paid-up additions (PUA) rider explained in a long-range framework PUA is not “bad,” and base premium is not “bad.” The problem is not the existence of PUA. The problem is when PUA becomes the goal instead of the tool. John made a point that surprises people: in many policies, base premium can perform just as well or sometimes slightly better in later years than PUA-heavy funding, because the policy's long-run mechanics are built around the actuarial structure, not the internet buzzwords.

John Maytham speaks to MEC for Water and Sanitation, Zahid Badroodien, who will unpack how this large-scale rollout will work, what residents can expect during installation, and how the new system could ultimately save water—and money—at a time when water security remains a key concern for Cape Town. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

On todays episode 566, we break down how to fund dividend-paying whole life insurance used with the Infinite Banking Concept, including: - Paying your policy premium - How to stop paying a premium on a whole life policy - Retirement with a policy designed for Infinite Banking - Riders and Premiums on dividend-paying whole life insurance Get The Show Notes Here: https://mcfieinsurance.com/podcasts/funding-whole-life-insurance-for-infinite-banking/   On wealth talks podcast we break down Nelson Nash's revolutionary Infinite Banking Concept step by step. Learn exactly how to start infinite banking, including: - Choosing the right dividend-paying whole life policy and adding powerful riders - Properly overfunding your policy to maximize early cash value growth (without triggering MEC rules) - Borrowing against your cash value tax-free while your money continues compounding - Repaying yourself on your terms to recapture interest banks normally keep - Real-world examples, common mistakes to avoid, and tips for building generational wealth Discover how to start infinite banking and take control of your finances with the Infinite Banking Concept (IBC) — the proven strategy to become your own banker using dividend-paying whole life insurance. Whether you're new to the Infinite Banking Concept or looking to optimize your existing setup, we explain the fundamentals in plain English — no hype. Hear from verified IBC practitioners, policyholders who've implemented the strategy successfully, and experts who reveal how the wealthy use privatized banking to finance cars, homes, investments, and businesses without traditional lenders. If you're searching for how to start infinite banking, tired of losing interest to banks, or ready to build a personal banking system that grows wealth safely and predictably, subscribe now and start your journey to financial independence. New episodes drop weekly. Listen on Apple Podcasts, Spotify, or your favorite platform — and take the first step toward becoming your own banker today! #InfiniteBanking #BecomeYourOwnBanker #WholeLifeInsurance #FinancialFreedom #CashValueLifeInsurance

Il y a cinquante ans, le 24 mars 1976, l'Argentine basculait dans la nuit. Un coup d'État militaire renversait la présidente Isabel Perón et installait une junte dirigée par le général Jorge Rafael Videla. Commençait alors ce que les militaires appelaient le « Processus de réorganisation nationale » : une dictature qui allait durer jusqu'en 1983 et faire près de 30 000 disparus, selon les organisations de défense des droits humains. Arrestations clandestines, torture systématique, exécutions, vols de bébés, disparitions forcées — un système de terreur pensé pour effacer toute trace. Au cœur de ce dispositif répressif, un lieu est devenu symbole : l'Escuela de Mecánica de la Armada, l'ESMA. Officiellement École de mécanique de la Marine, en plein Buenos Aires. Officieusement, l'un des plus grands centres clandestins de détention et de torture du pays. Environ 5 000 personnes y auraient transité. La plupart n'en sont jamais revenues. Aujourd'hui, l'ESMA est un site de mémoire. Un lieu de transmission, d'archives, de pédagogie. Mais cette mémoire est de nouveau contestée. Depuis l'arrivée au pouvoir du président Javier Milei, les politiques publiques de mémoire sont fragilisées, les financements réduits, et certains discours relativisent, voire nient, l'ampleur des crimes de la dictature. Alors, que représente l'ESMA dans l'histoire argentine ? Comment un lieu de terreur devient-il un lieu de mémoire ? Pourquoi la bataille autour du passé est-elle redevenue si vive aujourd'hui ? Pour en parler, nous recevons deux grandes spécialistes de ces questions, les historiennes et chercheuses Marina Franco et Claudia Feld, qui publient « Crimes contre l'humanité à ESMA. Anatomie d'un centre de détention clandestin en Argentine (1976-1983) », Éd. Anamosa.   Invitées :  Marina Franco, professeure à l'UNSAM et chercheuse au CONICET. Membre fondatrice du Centre d'histoire du temps présent de l'École interdisciplinaire des Hautes études en Sciences sociales en Argentine Claudia Feld, professeure à l'Université de Buenos-Aires et chercheuse au CONICET. Membre fondatrice du Centre d'études sur la mémoire et directrice de la revue CLEPSIDRA. 

La temporada de 1982 se mantiene en la memoria de los aficionados como un ecosistema irrepetible, un momento fugaz donde la creatividad de los ingenieros no tenía más límite que el horizonte de su propia imaginación. Fue el año de la "Anarquía Mecánica", una época en la que convivían motores de 4, 6, 8 y 12 cilindros, de 1,5 o 3,0 litros, con o sin turbo. Hoy, la Fórmula 1 está encorsetada por reglamentos que definen hasta la última aleación de los tornillos, pero a principios de los 80, el reglamento permitía una diversidad que hoy nos parece ciencia ficción. El Contexto: El Salvaje Oeste de la FIA y la FOCA Para entender por qué 1982 fue tan especial, hay que comprender el caos político de la época. La FIA representaba el poder político y la tradición, mientras que la FOCA, la asociación de constructores liderada por Bernie Ecclestone, luchaba por el control comercial y técnico. El campo de batalla era el reglamento, donde chocaban dos conceptos irreconciliables: la "Vieja Guardia", que defendía los motores atmosféricos de 3.000 cm³, y la "Revolución", que apostaba por los pequeños motores turbo de 1.500 cm³. La norma de equivalencia de 2 a 1 (un motor turbo de la mitad de cilindrada que un atmosférico) databa de 1966, pero durante años nadie se atrevió a usarla porque los turbos eran pesados y poco fiables. Todo cambió cuando Renault, en 1977, decidió que el futuro pasaba por la sobrealimentación. En 1982, esa apuesta explotó en una diversidad de arquitecturas que nunca hemos vuelto a ver en una misma línea de meta. Los 4 Cilindros: De la calle a la gloria Comenzamos por lo que parece más contraintuitivo: ¿un motor de 4 cilindros en la cima del automovilismo? Aunque hoy nos suene a coche de calle, en 1982 los "cuatros" eran las bestias más violentas de la historia. El genio Paul Rosche creó una leyenda con el equipo Brabham: el BMW M12/13. Lo más increíble es que no diseñó un bloque desde cero. Utilizó el bloque de hierro fundido del motor M10 que montaban los BMW 1500 de calle. La leyenda cuenta que los ingenieros buscaban bloques usados con más de 100.000 kilómetros porque, si un bloque de fundición aguanta esa distancia, las tensiones internas del metal ya se han liberado y es prácticamente irrompible. En 1982, este motor entregaba unos 640 CV en carrera, pero su entrega de potencia era como un interruptor. Debido al enorme turbo lag, no había nada de empuje en bajas revoluciones, y de repente llegaba todo el soplido del turbo KKK. Años más tarde, en configuración de clasificación, estos bloques llegaron a superar los 1.000 CV. Una locura extraída de un motor de "taxi". No era el único; Brian Hart, un preparador artesanal, logró con un presupuesto minúsculo crear un motor monobloque de aluminio que permitió a un joven Ayrton Senna demostrar su talento bajo la lluvia. 6 Cilindros: El equilibrio de los Gigantes Si los 4 cilindros eran la apuesta radical, los V6 Turbo se convirtieron en la opción lógica para los grandes fabricantes. Eran más cortos que los V8, lo que permitía a los diseñadores de chasis optimizar los túneles Venturi para el "efecto suelo". Renault fue la pionera con su V6 a 90º, una obra de arte que, sin embargo, seguía arrastrando fama de fragilidad. Los llamaban "las teteras amarillas" porque solían terminar las carreras envueltos en vapor. Ferrari respondió con el 126C2 y un V6 con una apertura de 120º. Era un motor extremadamente plano que bajaba el centro de gravedad al máximo. Con más de 600 CV y un chasis sublime, era probablemente el mejor coche de la parrilla, aunque la tragedia de Gilles Villeneuve y las lesiones de Didier Pironi impidieron que este motor dominara como merecía. Los 8 y 12 Cilindros: Tradición y Melodía Mientras los gigantes gastaban millones en turbos, los equipos británicos confiaban en el Ford Cosworth DFV. Este V8 atmosférico de 3 litros databa de 1967 y solo entregaba unos 520 CV, cien menos que los turbos. Sin embargo, era ligero, barato y fiable. Finalmente, estaban los románticos con los V12 atmosféricos de Alfa Romeo y Matra. Eran motores exquisitos por su suavidad y producían el sonido más bello de la historia del automovilismo, un aullido metálico que ponía los pelos de punta. Pero tenían un problema físico: eran demasiado largos. El Legado de una Época Irrepetible La temporada de 1982 fue única porque fue el punto exacto donde dos eras se cruzaron. Nunca más hemos vuelto a ver tal disparidad de soluciones bajo una misma bandera a cuadros. Fue una época de inventos locos, como los combustibles basados en tolueno similares a los de los cazas de la Segunda Guerra Mundial, o la inyección de agua de Ferrari para enfriar los pistones.

Engage Weekly is live with news from your MEC during their regular meeting in Austin, TX. Here's your news checklist. ✅ News from the Delta MEC Meeting in Austin, TX ✅ MOU 25-05 Update—Compliance Period Review, Sick Lookback/Verifi cation StillSuspended **LAST CALL** ✅ Update to the FAR 117 and PWA Limits Quick Reference Guide ✅ Updated Live Contract on MEC Website and Comply365 ✅ MEC Grievance Tracker: March 2026 Grievance List ✅ Additional news from your LECs and committees!

WVU vs K St basketball recap; MEC basketball tournament preview with Jack Withrow; Early insights into spring football practice (which begins this Saturday)

IX Sir Robert Victor Goddard Hablar de Sir Robert Victor Goddard no es hablar de un ocultista, ni de un médium, ni de un excéntrico seducido por la superstición. Es hablar de un mariscal del aire británico, ingeniero formado en Cambridge, oficial de inteligencia, estratega militar en dos guerras mundiales y director académico tras su retiro. Un hombre moldeado por la disciplina, la jerarquía y la observación técnica. Y precisamente por eso, sus experiencias anómalas resultan tan inquietantes. A lo largo de su vida, Goddard fue protagonista directo o indirecto de algunos de los episodios paranormales más citados del siglo XX: una fotografía con un muerto presente entre los vivos, una visión aérea de un aeródromo en el futuro, una premonición atmosférica antes de la Primera Guerra Mundial y un accidente aéreo anticipado en sueños por un tercero. Pero lo más desconcertante no es cada episodio aislado. 1. La “visión” de 1911: la guerra antes de la guerra Mucho antes de que Europa estallara en 1914, el joven Goddard, entonces guardiamarina, experimentó lo que él mismo describió como una “visión interna”. Desde la cubierta del HMS Victorious, observó una formación de nubes que adoptaba con precisión la forma de las Islas Británicas, mientras una masa oscura que él asoció mentalmente con Alemania y Europa continental parecía avanzar sobre ellas. La nube negra cubría parcialmente la blanca. Después retrocedía. Finalmente se disipaba. No escuchó voces. No vio apariciones. No perdió la conciencia. Lo que ocurrió fue otra cosa: una certeza absoluta e inexplicable de que Inglaterra sería atacada… pero no derrotada. Lo crucial aquí es su propia interpretación posterior. Goddard insistió en que aquello no estaba “en el cielo”, sino “dentro de él”. Es decir, no lo vivió como fenómeno óptico sino como acceso súbito a una información que aún no existía en el plano histórico. Cuando la guerra estalló tres años después, afirmó que jamás dudó del desenlace final. La convicción que nació aquel día no lo abandonó ni en los momentos más sombríos del conflicto. Desde una perspectiva parapsicológica, esto encaja con fenómenos de precognición intuitiva, donde la información futura no se percibe como imagen externa sino como conocimiento integrado en la conciencia. 2. La fotografía de Freddy Jackson: el muerto de la última fila. En 1919, dos días después de la muerte accidental del mecánico Freddy Jackson decapitado por la hélice de un avión, su escuadrón posó para una fotografía oficial. La imagen fue tomada el mismo día del funeral. Al revelarse la placa, detrás de uno de los oficiales, parcialmente oculto, aparece el rostro de Jackson. Sin gorra. Con la cabeza inclinada. Mirando ligeramente hacia un lado. El detalle más inquietante: sus compañeros lo identificaron inmediatamente. No hubo discusión interna en el escuadrón sobre quién era. Goddard, como oficial relacionado con el grupo, nunca negó la autenticidad de la fotografía. No la calificó de fraude ni de manipulación. Desde el análisis técnico moderno, podrían proponerse hipótesis como doble exposición o error de revelado. Sin embargo, el estudio Bassano, responsable de la imagen, no tenía antecedentes de ese tipo de fallos en retratos formales. El fenómeno se clasifica dentro de la tipología de “fotografía psíquica” o “aparición post-mortem en soporte físico”. Lo singular no es solo la figura, sino el contexto: un muerto enterrado esa misma mañana aparece integrado en una composición formal perfectamente estructurada. 3. El aeródromo de Drem (1934): el futuro observado desde el aire Este es el episodio más documentado y analizado de su vida. En 1934, Goddard sobrevoló el aeródromo de Drem, en Escocia. Lo vio abandonado: hangares deteriorados, ganado pastando, pistas inutilizadas. Días después, durante un vuelo de regreso, atravesó una tormenta extremadamente violenta. Pérdida de control, desorientación, descenso en espiral. Finalmente emergió bajo las nubes… y volvió a ver Drem. Pero no era el mismo Drem. Ahora estaba activo. Pistas asfaltadas. Hangares renovados. Aviones pintados de amarillo brillante. Mecánicos con monos azules. Actividad operativa. Lo más perturbador: ese esquema de colores (aviones amarillos de entrenamiento y overoles azules) no fue adoptado por la RAF hasta 1939 y 1940. Cuatro años después, Drem fue reactivado exactamente bajo esas condiciones. Este caso se encuadra dentro de los denominados time slips prospectivos: no un salto al pasado, sino una percepción temporal adelantada. Elementos recurrentes en este tipo de episodios: Condición atmosférica anómala (tormenta, niebla, distorsión lumínica). Sensación de “atmósfera encapsulada”. Efecto Campana. Percepción de irrealidad cualitativa. Invisibilidad aparente del testigo respecto al entorno. Goddard describió la escena como “más real que un sueño, pero distinta de la realidad ordinaria”. 4. Shanghái, 1946: el accidente soñado En enero de 1946, un oficial le relató un sueño vívido: un Douglas Dakota rumbo a Tokio, tormenta de nieve, tres civiles a bordo (dos hombres y una mujer), impacto en una costa rocosa japonesa. Todos muertos. Goddard desaparecido. Al día siguiente, Goddard sube a un Dakota. A última hora embarcan tres civiles: dos hombres y una mujer. Se desata una tormenta severa. Formación de hielo en alas. Pérdida de control. Aterrizaje forzoso en la isla de Sado. La única diferencia respecto al sueño: nadie muere. Aquí no hablamos de experiencia directa suya, sino de precognición transmitida por tercero. El patrón es extraordinariamente específico. La estadística pura no explica la coincidencia de: Modelo de avión. Composición exacta de pasajeros. Tipo de tormenta. Zona geográfica. Resultado casi idéntico. 5. La experiencia energética nocturna En su vejez, Goddard relató un fenómeno íntimo: una corriente energética que ascendía desde los pies hasta la cabeza mientras permanecía consciente en la cama. No era parálisis del sueño. No era sueño hipnagógico. No era pérdida de conciencia. Describió: Sensación eléctrica progresiva. Expansión de claridad mental. Voz interna nítida. Sensación de separación entre mente y cuerpo. En estudios contemporáneos de fenomenología anómala, esto se asemeja a: Experiencias extracorporales parciales. Estados vibracionales previos a OBE. Episodios místicos espontáneos no inducidos. Lo notable es que él no lo interpretó como alucinación. Tampoco como enfermedad. Lo vivió como acceso a un plano ampliado de percepción. Tras décadas de silencio, Goddard llegó a una conclusión radical para un militar racional: El tiempo no es estrictamente lineal. La conciencia no está confinada al presente. La realidad física no agota lo real. Se interesó por la hipótesis parafísica en ufología, OVNIS, sugiriendo que ciertos fenómenos no provienen del espacio exterior, sino de dimensiones coexistentes. No abrazó el misticismo ingenuo. No abandonó la razón. Pero aceptó que su experiencia vital le obligaba a revisar los fundamentos del determinismo clásico. Sir Robert Victor Goddard no fue un visionario profesional. No buscó notoriedad. No construyó una carrera sobre lo paranormal. Sin embargo: Vio una guerra antes de que comenzara. Observó un aeródromo cuatro años en el futuro. Sobrevivió a un accidente anticipado en sueños por otro. Conservó una fotografía donde un muerto aparece entre los vivos. Experimentó fenómenos energéticos conscientes en su vejez. No estamos ante un caso aislado. Estamos ante un patrón persistente de anomalías temporales y perceptivas en la vida de un individuo altamente entrenado en observación objetiva. Y eso es lo que convierte su historia en algo más que una anécdota: la transforma en uno de los expedientes más sólidos cuando se estudian intersecciones entre conciencia, tiempo y realidad física. Escúchame en iVoox. Suscríbete en tu plataforma preferida. HAZTE MECENAS: No dejes que La Biblioteca cierre nunca sus puertas. Gracias a los MECENAS: sin ustedes, La Llamada De La Luna no sería posible. Canal Telegram: https://t.me/LaLamadaDeLaLuna YouTube: https://www.youtube.com/channel/UCEOtdbbriLqUfBtjs_wtEHw Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

The “Real Show” Reminder (and why that matters) We kicked off this episode the way we often do—by being real. A quick tech hiccup, a laugh, and the reminder that this is not a polished production pretending to be perfect. It's a real show, with real people, talking about real money decisions. https://www.youtube.com/live/JDkaHi_66d8 And that imperfect start is a perfect picture of what's happening in the Infinite Banking world right now. As Infinite Banking becomes more popular, the internet makes it look clean and effortless: slick graphics, big promises, “hacks,” and fast results. But families don't need more hype. They need clarity. That's why this Nelson Nash Think Tank 2026 recap matters. It's one of the few environments where serious practitioners gather—not to sell—but to refine thinking, challenge assumptions, and protect the integrity of Nelson Nash's original message. If you're a family leader who wants to use the Infinite Banking Concept as a long-term strategy—not a short-term trend—this is for you. The “Real Show” Reminder (and why that matters)What you'll gain from this Nelson Nash Think Tank 2026 recapWhat is the Nelson Nash Think Tank (and why it's different)?Nelson Nash's first rule and the 2026 themeInternal rate of return vs volume in Infinite Banking: what families are hearing onlineWhy “maximum early cash value” can backfire in Infinite Banking policy designModified Endowment Contract (MEC) and the 7-pay test: what to knowHow to choose an Infinite Banking practitioner (and avoid bad advice)“Insurance companies are not banks”: understanding the banking processThink long range as a way of life, not a quick tacticWhere Infinite Banking is headed: young people, AI, and fintechWhat this Nelson Nash Think Tank 2026 recap means for your familyListen to the full episode (Nelson Nash Think Tank 2026 recap)Book A Strategy Call What you'll gain from this Nelson Nash Think Tank 2026 recap In this article, we're pulling back the curtain on what was shared at the Nelson Nash Think Tank 2026—a practitioner-focused environment where the emphasis was think long range, improve policy design conversations, and address the growing confusion created by clickbait marketing and “shortcut” policy claims. Here's what you'll walk away with: What the Think Tank is (and why it's not a sales event) Why “think long range” was the theme—and why families should pay attention The real issue behind “maximum early cash value” and skinny-based designs How to spot Infinite Banking misconceptions and marketing tactics What's coming with AI and fintech in life insurance—and what isn't changing Practical guidance for families who want to take control of the banking function What is the Nelson Nash Think Tank (and why it's different)? The Think Tank isn't built for the general public. It's designed to sharpen the people who teach and implement the concept. You typically attend as a practitioner, someone in the practitioner program, or as a guest of a practitioner (which can include clients or people considering becoming practitioners). It's also intentionally immersive. The days start early with breakfast, run through sessions into late afternoon, and then continue with dinners, vendor conversations, and deep discussions with fellow practitioners late into the night. You don't go to be entertained. You go to be challenged, stretched, and sharpened. And that matters right now because Infinite Banking has become more searchable, more popular, and—unfortunately—more misrepresented. When something powerful spreads quickly, stewardship matters more. Nelson Nash's first rule and the 2026 theme The theme this year was think long range, and that's not a catchy slogan. It's foundational to the Infinite Banking Concept as Nelson Nash taught it. Short-term thinking is the default posture of our culture. Social media rewards it. Marketing rewards it. Even many financial products are sold with it: “What can you get fast?” “What can you access now?” “How can you win this year?” But Infinite Banking was never meant to be a short-term move. It's meant to be a lifetime strategy. Thinking long range means you're making decisions from the perspective of: building stability, not excitement creating options, not dependence protecting your family's future, not chasing quick wins designing a system that can bless generations, not just solve this month That mindset shift is what separates families who use Infinite Banking wisely from families who get caught in the noise. Internal rate of return vs volume in Infinite Banking: what families are hearing online One of the biggest recurring themes was the temptation to judge policies primarily by internal rate of return (IRR)—especially in the early years. If you've spent any time online looking at Infinite Banking, you've likely seen people argue about illustrations, early cash value, and “best” design strategies. Many of those arguments are framed as if the only goal is maximizing the numbers as quickly as possible. But here's the problem: you can “win” an early IRR argument while losing the long-range strategy. A powerful presentation at the Think Tank used a visual approach—backed by math—to show something families need to hear clearly: focusing on early cash value often creates tradeoffs that reduce your future capacity. There are no solutions—only compromises. And a compromise isn't bad when you understand it. The danger is when someone sells a compromise like it's a guaranteed solution. The heart of the point was this: in Infinite Banking, the rate is not nearly as important as the volume of dollars you can control over your lifetime. That's how commercial banks and major financial institutions think. A small return on a massive volume becomes a large outcome. For families, that translates into a different question entirely:How much of what flows through your hands will you capture and control? That question changes everything. Why “maximum early cash value” can backfire in Infinite Banking policy design One of the most popular marketing angles today is the push for “maximum early cash value,” often achieved through skinny-based policies with high PUAs. The pitch usually sounds like this: get as much cash value as possible early so you can “put your money to work somewhere else.” Here's what often doesn't get explained. Some aggressive designs rely on structures that only allow maximum funding for a limited period (for example, seven years). After that funding window ends—often due to IRS rules tied to MEC limits—the rider or structure may drop off, and you can no longer fund in the same way. The common comeback is: “Just start another policy.” But real life isn't a spreadsheet. Starting over can reset efficiency. Health and insurability can change. Income changes. Goals change. Markets change. And a strategy that depends on you repeatedly starting new policies assumes a stability most families simply can't guarantee. The bigger concern is the mindset that this trains: a series of short sprints instead of building a lifelong system. Thinking long range means designing for durability, flexibility, and sustainability—not just speed. Modified Endowment Contract (MEC) and the 7-pay test: what to know You don't need to be a tax expert to understand why MEC rules matter, but you do need to know that they exist—because many “max fund fast” strategies bump up against them. A Modified Endowment Contract (MEC) is a policy that fails IRS funding limits (often related to the 7-pay test). When a policy becomes a MEC, the tax treatment of distributions changes, and it can reduce some of the advantages families expect when they hear “tax favored.” That's why certain policy designs are built around managing those limits—sometimes by using structures that give you a short window of maximum funding. The key takeaway is simple: if someone is promising “perfect” early cash value without explaining tradeoffs, funding limits, and long-term implications, you're not being educated. You're being marketed to. And marketing can be expensive. How to choose an Infinite Banking practitioner (and avoid bad advice) As Infinite Banking grows, a disappointing trend has emerged: clickbait content designed to stir controversy or attract attention. Some marketers now lead with “what's wrong with IBC” as a hook—even while selling it—because negativity generates clicks. That kind of infighting confuses families and erodes trust. So what should you watch for? Red flags to take seriously Be cautious if someone says or implies: “You don't have to make premium payments.” “These aren't premiums, they're deposits” (without clear explanation that it's life insurance). “You'll get cars for free if you do this long enough.” “This is the only policy design that works.” “You're borrowing at X and earning Y so you're losing money” using simplistic one-year comparisons. Another red flag: when someone makes you feel urgency—like you must act now without fully understanding what you're buying. If it feels too good to be true, your intuition is likely picking up on something real. A healthier question to ask Instead of asking, “How fast can I get cash value?” ask: “How will this policy design serve my family over decades?” “How long can I realistically fund this?” “What compromises are being made to get early access?” “How does this fit into my long-term cash flow strategy?” That's how you protect yourself—and how you start thinking like the kind of leader this strategy requires. “Insurance companies are not banks”: understanding the banking process Insurance companies have been emphasizing that they are not banks. That's true.

 Welcome aboard your weekly MEC engagement. Here's what's on the radar: Quick Slips going live Road to the TA: Understanding negotiations under the Railway Labor Act An update on MOU 25-05 March Delta MEC regular meeting info Plus, news from the Jumpseat, CASC, Hotel, Government Affairs, and Professional Standards Committees. All links and additional news can be found in this week's newsletter!