Podcasts about MEC

Brincando com o universo de personagens de Machado de Assis, o estúdio Mother Gaia criou uma história original para investigar quem supostamente matou nosso defunto autor preferido: Brás Cubas!A Investigação Póstuma é um jogo de investigação em que você é um detetive preso em um looping temporal numa Rio de Janeiro com ares de filme noir dos anos 30.O episódio de hoje fala com os devs Bruno Toledo e Leandro Ometto sobre o jogo:⁠Coloque A Investigação Póstuma na Lista de Desejos da Steam⁠LINKS DO CONTROLES⁠⁠⁠⁠Catarse⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠Bluesky ⁠⁠⁠⁠⁠/⁠⁠⁠⁠ ⁠Instagram ⁠⁠⁠⁠⁠/⁠⁠⁠⁠ ⁠Youtube ⁠⁠⁠⁠⁠/⁠⁠⁠⁠ ⁠Radar⁠⁠⁠⁠⁠Contato: controlesvoadores@gmail.comApoie o Controles: ⁠⁠⁠⁠http://www.catarse.me/controlesvoadores⁠⁠⁠⁠Acesse o site:⁠⁠⁠⁠ ⁠controlesvoadores.com.br⁠⁠⁠⁠⁠Acesse a loja:⁠⁠⁠⁠ ⁠colab55.com/@controlesvoadores⁠⁠⁠⁠⁠00:00:00 - Início00:01:22 - Apresentação dos convidados00:19:54 - A Investigação Póstuma00:27:02 - Adaptar Machado de Assis00:35:43 - Mecânicas e partes técnicas do jogo01:00:53 - Lançamento e próximos passos do estúdio01:15:26 - Agradecimento aos apoiadoresO Controles Voadores é o seu podcast semanal sobre jogos e criadores de jogos brasileiros. Apresentado, editado e produzido por Lucas TosoAPOIE O CONTROLES VOADORES:⁠⁠⁠⁠http://www.catarse.me/controlesvoadores⁠⁠⁠⁠ Chave pix: controlesvoadores@gmail.com

No podcast ‘Notícia No Seu Tempo’, confira em áudio as principais notícias da edição impressa do jornal ‘O Estado de S.Paulo’ desta terça-feira (03/03/2026): No terceiro dia de guerra no Oriente Médio, o conflito já envolve 12 países. O presidente dos Estados Unidos, Donald Trump, afirmou que a maior onda de ataques ainda está por vir, previu duração de até cinco semanas e não descartou o envio de tropas ao Irã, dizendo que o objetivo é destruir mísseis, aniquilar a marinha iraniana e impedir armas nucleares. Teerã rejeitou negociações, enquanto bombardeios americanos e israelenses continuaram, com centenas de mortos no Irã, incluindo civis, segundo o Crescente Vermelho. Os EUA afirmam ter afundado navios iranianos e reforçado presença militar na região. O Irã lançou mísseis contra bases americanas no Kuwait, Bahrein, Iraque e Emirados Árabes Unidos, além de atingir instalações na Arábia Saudita e no Catar. Em Israel, ataques deixaram mortos, e o Hezbollah entrou na guerra, ampliando a escalada regional. E mais: Economia: Acirramento da guerra faz barril de petróleo avançar até 6,68% Política: Ministros do STJ têm 29 parentes que advogam em ações na Corte Metrópole: MEC propõe carga horária presencial menor na formação de professores Cultura: ‘ Gal, o musical’ será uma das estreias de março em SPSee omnystudio.com/listener for privacy information.

En este episodio de Conversando con Uesebistas, conversamos con Felipe Martín, exalumno de Ingeniería Mecánica de la Universidad Simón Bolívar, cuya trayectoria profesional lo ha llevado a formar parte de algunas de las empresas más reconocidas de la industria automotriz y del automovilismo de alto desempeño.Felipe cuenta con certificación como Project Manager por la EOI Escuela de Organización Industrial en Madrid y un Máster en Mechanical Engineering de la Universidad Politécnica de Madrid. A lo largo de su carrera ha trabajado en el área de diseño para compañías como Jaguar Land Rover, Triumph Motorcycles, Polestar y Honda Racing F1.Actualmente se desempeña como Lead Concept Engineer en Norton Motorcycles, donde continúa desarrollando soluciones de ingeniería en el más alto nivel de la industria.Acompáñanos a conocer su recorrido académico y profesional, y cómo la formación recibida en la USB fue parte fundamental del camino que lo llevó a trabajar en proyectos vinculados al mundo de la Fórmula 1 y la ingeniería automotriz internacional.#ConversandoConUesebistas #OrgulloUesebista #USBPorElMundo #IngenieríaUSB #AlumnUSB

Renata Cafardo analisa que o número de alunos no ensino médio no País caiu 5,3% de 2024 para 2025 e registrou a menor quantidade de matrículas em uma década. O retrato faz parte do Censo Escolar, divulgado nesta quinta-feira, 26, pelo Ministério da Educação (MEC).See omnystudio.com/listener for privacy information.

A Waechter Peças surgiu a partir da antiga Mecânica São Cristóvão e se consolidou como referência no fornecimento de peças para veículos diesel leves. Fundada oficialmente em 2003, a empresa nasceu para atender a demanda crescente por componentes voltados a picapes e vans, segmento que passou por forte evolução tecnológica nas últimas décadas.

A Waechter Peças surgiu a partir da antiga Mecânica São Cristóvão e se consolidou como referência no fornecimento de peças para veículos diesel leves. Fundada oficialmente em 2003, a empresa nasceu para atender a demanda crescente por componentes voltados a picapes e vans, segmento que passou por forte evolução tecnológica nas últimas décadas.

A good life insurance policy can become a Modified Endowment Contract when it fails the 7 pay test. What does that mean in plain terms? We explain in this episode. Learn what a MEC is (modified endowment contract)  What if my Infinite Banking Policy becomes a MEC? Is a MEC bad? Can a MEC be good? How to avoid a MEC Why did the rules for life insurance change in 1988? What is the 7 pay test for life insurance? Learn the history of the MEC laws passing congress Podcast  Episode 560: https://www.youtube.com/watch?v=y7JoQ5OA92U

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.

Nick Jeffery read Robert Browning's The Ring and the Book, a Victorian epic poem about a murder mystery in 17th Century Italy, to test a theory. John Granger's best guess after surveying the chapter headings of Hallmarked Man last September was that, of all 77 sources for the 139 epigraphs in Strike8, Browning's poem was the most likely to hold a secret message or special meaning inside it. John had said something similar about another Browning poem and Ink Black Heart, Elizabeth Barrett Browning's Aurora Leigh, and Nick had confirmed that through his own reading and confirmation by Rowling herself. He thought John's track record of spotting important epigraph sources merited a test reading.He published his findings on Friday in a post titled ‘The Ring and The Book – A Rowling Reading.' In brief, the murder in Browning's poem is a point-to-point model for the Ironbridge murder mystery in Hallmarked Man with characters in Rowling-Galbraith's book — most notably, Chloe Griffiths, Tyler Powell, and Ian Griffiths — having their astonishing equivalents in Ring. The less obvious but more important links between the two are in their implicit feminism and other messages: Both works critique abusive relationships and patriarchal power: Guido's control of Pompilia and Dino Longcaster's control of Decima Mullins. The legal system (Books 8–9 especially) is satirized as formalistic, pedantic, and often blind to moral reality. True justice requires personal moral intuition beyond mere evidence or procedure. The Pope's monologue (Book 10) weighs this tension most profoundly. In The Hallmarked Man the police are slow to act on new information gained by Strike and Robin and Farah Navabi manages to hoodwink the courts into escaping punishment for her part in Patterson's crimes.The Ring and The Book dramatizes the eternal struggle between good and evil. Pompilia embodies instinctive purity, sacrificial love, and spiritual insight despite her suffering. Guido represents sophisticated, calculating evil that twists morality to justify cruelty. Browning affirms that evil exists but that good can somehow arise from or shine through evil's consequences. In The Hallmarked Man evil is real, monstrous, and often cloaked in normalcy or power structures, but it can be exposed and defeated through persistence, intuition, and moral courage.Nick also discusses in this article the chiastic structure of Ring (!) and the ‘conversation' he heard between Robert Browning in this poem with Aurora Leigh, the masterpiece by his late wife. His ‘Rowling Reading' of Ring and the Book, consequently, will soon be a touchstone piece not only in Rowling Studies but Browning Studies as well (#ArmstrongBrowningLibraryAndMuseum @ Baylor). As they have done before with Nick's ‘Rowling Reading' articles. the Hogwarts Professor team recorded their conversation about the piece (listen to their discussions of I Capture the Castle and Aurora Leigh). Seven High Points of that Ring and the Book epigraph conversation include:* Nick's review of why Serious Strikers and Rowling Readers should read The Ring and the Book along with the story of his immersion in it;* John's explanation of why he was so confident that Browning's poem was a template of some kind for Hallmarked Man even though only six of Strike8's 139 epigraphs were taken from it;* Their survey of Rowling's previous work with epigraphs — Deathly Hallows and Casual Vacancy all the way to Running Grave and Hallmarked Man — for works with similar embedded-in-the-epigraph texts and those without one (or in which it hasn't yet been discovered);* Nick's discussion of Rowling's previous comments about epigraphs and her answer to the question, ‘Which Came First, the Epigraph or the Story?';* John's best guess pre-publication about the text that will be the epigraph source in Sleep Tight, Evangeline and which Strike text it will most resemble with its Whiskey Shambles title;* Nick's commitment to exploring Blue Oyster Cult epigraphs in Career of Evil to see if one of that band's albums, all of which supposedly had sci-fi themes and story continuity, served as a text-within-the-text for Strike3; and* John's suggestion that the relationship of Elizabeth Barrett Browning and Robert Browning, a great love with a shared vocation, might be a point of reflection for Serious Strikers as a template for understanding the Strike-Ellacott partnership.Nick and John will be recording their group charting of Hallmarked Man's Part Eight this week with Sandy Hope and Ed Shardlow (and Presvytera Lois?), a survey of readers is in the works, and the long-awaited close look at the Strike series in light of the Cupid and Psyche myth draws ever nearer. Stay tuned!The Ten Questions, Epigraph Charting, and Links to Previous Epigraph Discussions Here and Elsewhere:The Ring and The Book – A Rowling Reading, Nick Jeffery, February 2026Intro to Epigraphs 101, John Granger, September 2022The Heart is Not About Emotions and Affection but the Human Spiritual Center, John Granger, October 2022A Rowling Reading of Aurora Leigh, Nick Jeffery, November 2025Beatrice Grove's Pillar Post Page at HogwartsProfessor.com* Scroll down for Prof Groves' posts about epigraphs and literary allusion in Cuckoo's Calling, The Silkworm, Troubled Blood, and Ink Black HeartLethal White: Ibsen's ‘Rosmersholm', John Granger, December 2018Rowling, Dylan Thomas, and the I Ching: Three Thoughts on Strike7's Epigraphs, John Granger, April 2023‘Deathly Hallows' and Penn's ‘Fruits of Solitude,' John Granger, October 2008The Aeschylus Epigraph in ‘Deathly Hallows,' John Granger, October 2008Maid of the Silver Sea Epigraphs: Louise Freeman Davis' Collected Posts, 2025The Faerie Queene Epigraphs in Troubled Blood* Scroll down the Troubled Blood Pillar Post for the Faerie Queene commentary by Beatrice Groves, Elizabeth Baird-Hardy and John GrangerRobert-Galbraith.com Posts about the Epigraphs in Each Book* Hallmarked Man's Epigraphs: The Poetry* Hallmarked Man's Epigraphs: The Prose* Scroll Down the site's ‘Features' Page for all the other Epigraph PostsAgents of Fortune: The Blue Oyster Cult Story, Martin Popoff, May 2016Pompilia: A Feminist Reading Of Robert Browning'S The Ring And The Book, Anne Brady, May 1988Roman Murder Mystery: The True Story of Pompilia, Derek Parker, January 2001Sleep Tight, Evangeline: Nick Jeffery and John Granger talk with Dimitra FimiHallmarked Man Epigraphs: The Tally SheetMatthew Arnold: 17 poems, 25 epigraphs, 6 from Merope: A Tragedy* 3, 17, 52, 103, 108, 110 (Merope), 21, 33, 68, 38, 97, 41, 45, 59, 58, 69, 73, 76, 80, 86, 96, 106, 119, 122, 124Robert Browning: 26 poems, 38 epigraphs including frontispiece, 6 from The Ring and the Book* 44, 75, 62, 64, 102, 118 (Ring and Book), frontispiece, 2, 9, 11, 107, 13, 16, 20, 26, 28, 32, 35, 37, 114, 39, 42, 93, 44, 75, 47, 51, 62, 64, 67, 116, 71, 77, 79, 84, 87, 120, 90, 91, 100, 102, 109, 118, 126A. E. Housman: 5 works, 25 poems, 28 epigraphs, 10 from Last Poems* 1, 5, 7, 53, 19, 92, 56, 65, 74, 105 (Last Poems), 23, 30, 34, 36, 40, 43, 46, 49, 57, 63, 78, 82, 89, 94, 98, 112, 115, 125John Oxenham: 1 work, 26 epigraphs* Parts 1-10, Epilogue, 15, 18, 22, 25, 27, 55, 60, 66, 83, 85, 88, 95, 111, 113, 127 (Maid of the Silver Sea)Albert Pike: 3 works (?), 22 epigraphs, 16 from Morals and Dogma* 4, 16, 12, 121 (Liturgy), 8, 10, 14, 29, 31, 48, 50, 54, 61, 70, 81, 99, 101 (Morals and Dogma), 24, 72 (Ancient and Accepted Rite?)Most epigraphs: Robert BrowningFrontispiece: Robert BrowningMost from one poem: Tie, Robert Browning 6 Ring and Book, Matthew Arnold 6 Merope: A TragedyMost from one novel: John Oxenham 26 Maid of the Silver SeaMost from one didactic or discursive argument: Albert Pike 22 (24?) Morals and DogmaConclusions: Ring and Book your best bet as template, Re-read Maid of the Silver Sea, read Merope: A TragedyTally Sheet of Epigraphs for Ink Black Heart:Poet: epigraph numbers, (total)* Christina Rossetti: 8, 14, 22, 24, 25, 35, 38, 50, 52, 54, 56, 84, 86, 90, 98, 103, 105, 107 (18)* Elizabeth Barrett Browning: 12, 21, 33, 39, 42, 45, 47, 58, 67, 71, 72, 82, 96, 101, 102, 104 (16; all but #s 21 and 58 from ‘Aurora Leigh')* Mary Elizabeth Coleridge: Book, 1, 18, 20, 49, 79, 81, 91, 93, 94, 106 (11)* Emily Dickinson: 11, 31, 53, 58, 59, 65, 70, 76, 99 (8)* Charlotte Mew: 16, 17, 40, 55, 66, 92, 95 (7)* Felicia Hemans: 6, 10, 15, 63, 100 (5)* Amy Levy: 7, 23, 32, 80, 85 (5)* Jean Ingelow: 9, 27, 29, 37, 64 (5)* LEL!: 62, 68, 69, 83 (4); see also Rossetti 52 ‘LEL')* Mary Tighe: 36 (Psyche), 43, 60, 88 (4)* Helen Hunt Jackson: 4, 87, 89 (3)* Joanna Baillie: 13, 21, 34 (3)* Augusta Webster: 44, 48, 51 (3)* Emily Pfeiffer: 3, 75 (2)* Charlotte Bronte: 19, 74 (2)* Adah Isaacs Menken: 30, 57 (2)* Constance Naden: 41, 46 (2)* Mathilda Blind: 61, 97 (2)* Mary Kendall: 73, 77 (2)* Martha Jane Jewsbury: 2 (‘To My Own Heart')* Anne Evans: 28* ‘Michael Field' (Katherine Bradley and Edith Cooper): 78The Heart and Vision epigraphs in Ink Black Heart by chapter number:* Heart: 20, 106 (MEC); 21, 67; 52, 107; 68, 85; 2; 63, 80, 85; 17, 40, 55, 95 (Mew); 19, 74; 27; 30; 36, 60; 87 (23)* Vision: Frontispiece, 1, 49, 81 (MEC); 22, 25, 38, 90, 98 (CR); 59; 3; 34; 95; 57; 88; 48; 46 (17)Tally Sheet of Epigraphs for Cuckoo's Calling:* Frontispiece: Rossetti -- A Dirge* Prologue: Lucius Accius, Telephus* Part One: Boethius, The Consolation of Philosophy* Part Two: Virgil, Aeneid* Part Three: Virgil, Aeneid* Part Four: Pliny the Elder, Historia Naturalis* Part Five: Virgil, Georgics* Epilogue: Horace, Odes* [Closing Poem: Tennyson, Ulysses]Brackets/Latch: 19th Century English poets (see Groves)Most epigraphs: Virgil (3); no other author has more than oneMost frequently referenced work: Aeneid (2), shades in UlyssesCenter of Chiasmus: Aeneid (true if ring has 5, 8, or 9 parts)Turtleback lines: Not evident in authors list, perhaps in meanings of specific epigraphsConclusions:* Read Aeneid to look for Cuckoo's parallels;* Study epigraphs to look for parallelsOnline Literature Review for ‘Epigraphs of Cuckoo's Calling:‘https://robert-galbraith.com/epigraphs-of-the-cuckoos-calling/* 2025 connecting the dots between epigraphs and chapter set to follow (generic)* No mention of Strike as Aeneashttps://strikefans.com/the-cuckoos-calling-epigraphs/* Reprinting of epigraphs without commentary* No mention of Strike as Aeneashttps://thesefilespod.com/blog/the-cuckoos-calling-epigraphs/* Includes a very helpful link to The Rowling Library and an article there about the ‘real world' crime serving as a template for the Landry murder* No mention of Strike as Aeneashttps://mugglenet.wpenginepowered.com/2017/09/literary-allusion-cuckoos-calling-part-1-christina-rossettis-dirge/* Brilliant discussion of the Rossetti poem but curiously without reference to resurrection meaning* No mention of Strike as Aeneashttps://mugglenet.wpenginepowered.com/2017/09/literary-allusion-cuckoos-calling-part-2-tennysons-ulysses/* Brilliant discussion of Strike as Ulysses* No mention of Strike as Aeneas, curious becauseh Virgil models Aeneas on UlyssesThe Ten Questions of This Conversation (Sort Of!)1, (Nick) So, John, I finally wrote up my findings about The Ring and the Book as the story template for Hallmarked Man's murder mystery and, as we did with my posts about Aurora Leigh and I Capture the Castle, let's talk about it, expanding on the correspondences between the Browning poem and Strike 8. The natural place to begin is with your guess about Ring and the Book being a template based on your tally of the Hallmarked Man epigraphs, a theory you shared on our first show post-publication. Can you explain your process and what made you so confident about Ring and the Book?2. (John) Looking at that tally, then, Arnold's Merope and Oxenham's Maid of the Silver Sea are quantitatively more likely equivalents to Aurora Leigh in Ink Black Heart, but the Browning frontispiece, number of his epigraphs, the hidden quality of the Ring and Book poem titles, and the relationship with Barrett Browning made it seem the most likely. That the poem is considered one of the great feminist tracts written by a man didn't hurt. I still want to go back to the Arnold poem, though, because of the centrality of his epigraphs in the center Parts and Oxenham deserves a re-read, too, or just a trip to Louise Freeman Davis site, the home of Oxenham Studies online. What struck me while reading your post, Nick, was in the correspondences you found between Ring and the Book and Hallmarked Man. Can you give us the highlights of that?3. (Nick) The Ironbridge murder mystery, then, is largely lifted from the death of Pompilia. Which is unusual isn't it? Has Rowling-Galbraith ever used her epigraphs to point to the template of her story?4. (John) I think, then, that at least four of the previous Strike novels give us the embedded template, per Beatrice Groves The White Divel and The Revenger's Tragedy (and even Hamlet) gives us important clues about The Silkworm crime, Rosmersholm and its incestuous backdrop inform the murder of Lethal White, the Janus deceiver in Faerie Queene should have been a give-away about the poisoner in Troubled Blood, and, as Rowling confirmed and you demonstrated Nick, Aurora Leigh is the working model for Ink Black Heart. I think the closest Rowling epigraph suggestions to story template was in the Rossetti poem that opens Cuckoo's Calling and the Aeschylus epigraph in Deathly Hallows. What has Rowling said, though, about her epigraph sources? Do they precede the novels or follow the writing?5. (Nick) So it's not one or the other, I think, that is, she has a template in mind and if the source doesn't have sufficient quotable pieces to serve a epigraphs for the whole book, she uses other sources from the genre in play or that highlight her central theme (cf., the Gray's Anatomy heart epigraphs in tandem with the hearty women Victorian poets in Ink Black). What I'm struck by here, though, is the shift in importance of epigraphs to Rowling-Galbraith. The numbers are startling, no, between Cuckoo and Hallmarked?6. (John) Not only do we see a jump from eight or nine epigraphs in Strike1 to 139 in Stike8, but Team Rowling is pushing readers to think more seriously about them by posting reviews of the epigraphs in each book, drawing the dot-to-dot correspondences. I confess the Strike novel whose epigraphs are not like the others, Nick, is Career of Evil and its Blue Oyster Cult lyrics. You've been reading a book about Blue Oyster Cult so I'll defer to you in this despite my great fondness for heavy metal groups with sci-fi themed lyrics...7. (Nick) What about the book we haven't got in hand, John: Sleep Tight, Evangeline? We have been told -- sort of! -- the title is from a 2014 song from an American blues band called ‘The Whiskey Shambles.' Which of the previous epigraph models Rowling has used, from Deathly Hallows to Hallmarked Man, do you think we'll be seeing in Strike9? What are your thoughts on that, especially as the best link we have for Sleep Tight, Evangeline is from a rock and blues band?8. (John) So I hope that we're going to see another Running Grave type epigraph experience in Evangeline, though Grave was unique among Rowling novels and their epigraphs in not having a story-book, poem, or play as its primary source. The I Ching, cannot be a story-template per se because it is a divination tool or means to reflection. Unless you think Pike's Morals and Dogmas Freemasonry encyclopedia qualifies as an equivalent of sorts to the I Ching? That's another outlier, isn't it?9. (Nick) To put a Fourth Generation focus on this, John, we should be looking for a technique that Serious Readers can use for Sleep Tight, Evangeline to hunt for the embedded source if its hidden as were Aurora Leigh and The Ring and the Book. You've found the ones no one else noticed in Ink Black Heart and Hallmarked Man, how did you do that and do you think the same method will work for Cuckoo and Career as well as Evangeline?10. (John) So, yes, I found them but you had the first confirmed by Mrs Murray and then connected the dots between the Browning poems and Rowling's work. If this method is going to work on Cuckoo, Career, and Evangeline it will have to involve a spotter and a shooter, though they can be the same person. The spotter technique is nothing but grunt work; chart the epigraphs used and spot the author most frequently referenced and the work of theirs most frequently cited. The shooter work is actually a lot more involved and interesting; tell us about your experiences with the two Browning's' epic poems, that thrill of discovering correspondences. Do you think that excitement is something Rowling is offering her readers a a treasure hunt or as a point of reflection in terms of meaning? This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit hogwartsprofessor.substack.com/subscribe

 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!

Falo sobre recente decisão do TRT-3 que manteve condenação de um colégio por ofensa à dignidade de um professor, que foi silenciado pelo Colégio por responder à questão de sua identidade e não ter adotado medidas de proteção ao mesmo.

Na terceira edição deste boletim você confere:- Vaticano nega convite para integrar Conselho da Paz de Trump; - Acusado de assediar uma PM em bloco no Ibirapuera é preso; - Inscrições do Pé-de-Meia Licenciaturas são adiadas sem aviso prévio do MEC. 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 Maria Eduarda Palermo e Thales dos Santos, do curso de Jornalismo.Escute agora!

Level Up 171 Investigación estilo Carved from Brindlewood con Kaotica Hoy Nacho nos habla de Carved from Brindlewood, un sistema para jugar a rol (RPG) derivado de Powered by the Apocalypse, orientado a la resolución de misterios y con un alto grado de control narrativo compartido entre los jugadores. Este conjunto de juegos permite que cada sesión gire en torno a un misterio único, fomentando la creatividad y la colaboración en la construcción de la historia. Mecánica del juego En cada partida, los jugadores disponen de listados de lugares, sospechosos y pistas, pero no existe una solución fija al misterio. A medida que los personajes recogen evidencias y pistas, los jugadores colaboran para crear una solución coherente que conecte la mayor cantidad de elementos posibles. Esta solución influye directamente en los resultados de tiradas de dados, determinando si la resolución propuesta es satisfactoria y culmina en el desenlace del misterio. Tipos de sesiones Aunque cada misterio puede jugarse como una aventura independiente (one-shot), los juegos de Carved from Brindlewood suelen ofrecer soporte para campañas cortas que incluyen múltiples misterios y un hilo conductor más amplio, conocido como el mystery season-long. Este misterio mayor se mantiene inicialmente oculto para los personajes, pero se revela y resuelve progresivamente a lo largo de la campaña.. Colecciones y variantes Las partidas pueden variar en ambientación y temática. Algunos ejemplos incluyen: Brindlewood Bay: un clásico juego de misterio con ambientación de misterio cozy y paranormal. The Between: explora escenarios góticos y de terror con reglas extendidas y densas para resolver enigmas. Hackeos temáticos de Brindlewood Bay para aventuras más fantásticas, sci-fi o inspiradas en culturas específicas, adaptando la mecánica de resolución de misterios a nuevos entornos y personajes. Comunidad y recursos La comunidad de Carved from Brindlewood comparte colecciones y hacks a través de plataformas como itch.io, fomentando la creación de nuevas historias y la expansión del sistema original. La flexibilidad narrativa y la densidad de reglas hacen que estos juegos sean atractivos tanto para sesiones casuales como para campañas más largas y complejas. Juegos PBTA: Root Pasión de las Pasiones Esperamos que os guste! Música de Uppbeat: License code: DSJHNLFTIRWBKXPO Música de Youtube

¿La cuántica describe la realidad… o solo lo que podemos medir? En este episodio recorremos la Historia de la Mecánica Cuántica y sus grandes ideas. Un capítulo para entender por qué la cuántica cambió el mundo: qué problemas intentaba resolver, qué experimentos la hicieron inevitable y por qué todavía hoy sigue generando debates sobre “qué es real”, qué significa observar y qué hacemos con la probabilidad. Presentan: Javier Santaolalla @dateunvlog y Enric F. Gel @AdictosalaFilosofía Contacto: porelamordehiggs@gmail.com Realización y edición: Ike Leal ( @ikefuti ) https://www.instagram.com/ikefuti/ MGMT & RRSS: Polymath 360 https://www.instagram.com/polymath_360/ INSTAGRAMS: https://www.instagram.com/jasantaolalla/ https://www.instagram.com/filoadictos/ TIKTOKS: https://www.tiktok.com/@jasantaolalla https://www.tiktok.com/@filoadictos_oficial

Canarinhos FC, o tradicional clube brasileiro celebra 54 anos na Austrália, conversamos com o presidente Gel Freire e o jornalista Craig Foster. Portugal mantém estado de emergência após chuvas intensas que provocaram a queda de parte de um viaduto. Na Sunshine Coast, Guilherme Dal Bo deve alegar problemas de saúde mental. E um especial da Rádio MEC destaca compositoras brasileiras e Chiquinha Gonzaga.

Joe Brocato recaps the final day of the County Roads Shootout. Comments from WVU baseball coach Steve Sabins on the opening of the season Friday. Mountain East Commissioner Reid Amos on the expansion of the MEC with Shawnee State University in Ohio joining the league. 

No podcast ‘Notícia No Seu Tempo’, confira em áudio as principais notícias da edição impressa do jornal ‘O Estado de S.Paulo’ desta quinta-feira (12/02/2026): A Polícia Federal (PF) pediu suspeição do ministro Dias Toffoli, relator do caso da liquidação do Banco Master no Supremo Tribunal Federal (STF), após encontrar menções ao ministro em um celular do dono da instituição, o banqueiro Daniel Vorcaro. O relatório com as descobertas foi entregue pela PF ao presidente da Corte, Edson Fachin. Em nota, o gabinete de Dias Toffoli confirmou que a PF fez o pedido, mas tratou o relatório como “ilações”. O gabinete acrescentou que “juridicamente, a instituição não tem legitimidade para o pedido, por não ser parte no processo, nos termos do artigo 145, do Código de Processo Civil”. A nota também diz que a resposta de Toffoli será enviada a Fachin. A defesa de Vorcaro não quis se manifestar. Procurados, o STF e a direção da PF também não falaram. E mais: Economia: Polícia Federal chega e mala com R$ 429 mil voa pela janela Política: Flávio reduz vantagem de Lula; Ratinho Jr. é nome mais viável do PSD Internacional: Atiradora matou mãe e meio-irmão antes de executar mais 6 em escola do Canadá Metrópole: MEC cancela edital que criaria 5,9 mil vagas em cursos de Medicina Cultura: Shakira vai sacudir a areia de Copacabana See omnystudio.com/listener for privacy information.

Urussanga ganhou novo destaque no cenário educacional ao conquistar, pelo segundo ano consecutivo, o Selo Ouro no Compromisso Nacional Criança Alfabetizada. A iniciativa do Ministério da Educação (MEC) reconhece as políticas públicas eficazes na área voltadas à alfabetização infantil e, conforme os dados divulgados pelo Governo Federal o município alcançou 133 pontos do total de 150. Para receber o Selo Ouro, a Secretaria Municipal de Educação de Urussanga atendeu diversos critérios técnicos, como a adesão à Rede Nacional de Articulação de Gestão, Formação e Mobilização, a implementação de programas próprios de alfabetização alinhados ao MEC, a formação continuada de professores e gestores escolares, a distribuição de materiais didáticos complementares e o monitoramento constante do desempenho dos estudantes nas séries iniciais. Em Santa Catarina, 204 municípios receberam o Selo Nacional Compromisso com a Alfabetização, sendo 84 com Selo Ouro, 93 com Selo Prata e 27 com Selo Bronze. A certificação integra o Programa Criança Alfabetizada, alinhado ao Plano Nacional de Educação (PNE), e tem como objetivo garantir que todas as crianças estejam alfabetizadas até o final do 2º ano do Ensino Fundamental. A secretária de Educação de Urussanga, Andreza Cristina Bonetti, participou de entrevista no programa Cruz de Malta Notícias desta quinta-feira (12) e falou sobre a conquista. Ouça a entrevista completa:

Na segunda edição deste boletim você confere:- Governo anuncia pacote de investimentos para ampliação de aeroportos no Brasil;- MEC revoga edital para criação de novos cursos particulares de Medicina;- Reclamações por barulho atingem recorde em São Paulo. 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 Beatriz Martins e Thales dos Santos, ambos do curso de Jornalismo.Escute agora!

ActionSA has tabled a motion in the Gauteng Provincial Legislature demanding the immediate rollout of a Dual Stream Grade 1 Admissions Model. The move follows a surge of complaints from parents whose children, already in Grade R at a school, risk being denied a place in Grade 1 at that same school. Under the current framework, Grade 1 is treated as an entry grade, forcing families to reapply and compete for a spot their child already occupies. ActionSA says the resulting administrative strain and family anxiety must end. The party is urging the MEC for Education to protect educational continuity by separating internal progression from external admissions. Elvis Presslin spoke to ActionSA Member of the Gauteng Legislature, John Moodey

Nos destaques de hoje ➡ Partido dos Trabalhadores celebra 46 anos nesta terça;  Memórias: Rádio PT lança hoje a playlist PT 46 anos. 46 vozes; Proposta que acaba com jornada de trabalho 6x1 vai para a CCJ; Dólar cai para o menor valor em 21 meses, e bolsa bate recorde; Câmara aprova urgência de projeto contra a violência doméstica; Investimento do MEC em alimentação escolar cresce 55% desde 2023.

O Governo de São Paulo recebeu o selo ouro na 2ª edição do Selo Nacional Compromisso com a Alfabetização, organizado pelo Ministério da Educação (MEC) e divulgado nesta segunda-feira (9). O título reconhece ações de estados, municípios e o Distrito Federal para alfabetização infantil e recomposição de aprendizagens.

Hoy vamos a crear un escenario para Pasión de las Pasiones. “Asfalto en el corazón” Drama, velocidad y decisiones que derretirán el asfalto. Argumento El campeonato internacional SuperGT está en su punto más álgido. Equipos, patrocinadores, pilotos y mecánicos se reúnen en una temporada donde la gloria es tan importante como el amor, la lealtad y la reputación. Cada carrera es un espectáculo, pero lo que ocurre fuera de la pista seguro que tiene más repercusión. El regreso inesperado de Sandra Sierra, una genial mecánica que desapareció tras un accidente en extrañas circunstancias, sacude el equilibrio del paddock. Su vuelta despierta viejas heridas en Donatella D'Angelo, la jefa de equipo que fue su aliada más cercana… y algo más. Mientras ambas intentan reconstruir una confianza rota, el veterano Miguel Maldonado lucha por demostrar que aún tiene un lugar en la pista, aunque su cuerpo diga lo contrario. En paralelo, el equipo se ve presionado por su patrocinador, el ambicioso Víctor Vormelker que no duda en manipular a quien haga falta para proteger su inversión. Su presencia atrae la atención del rival, especialmente de Gilberto Ghetin, el enigmático rey del equipo estrella del mundial, que parece tener un interés personal en Sandra… y en su coche. La joven promesa Carolina Cardoso asciende con una rapidez que incomoda a todos. A pesar de las crecientes tensiones los dueños quieren mantener unidos a todos los trabajadores y aficionados por el bien del equipo. Cada carrera se convertirá en un campo de batalla donde la estrategia, el orgullo y el corazón pesan tanto como la velocidad. Ya hemos creado 6 Personajes/arquetipos para el juego: Sandra Sierra: Genio de los motores Donatella D'Angelo: jefa de escudería Miguel Maldonado: Veteranía en decadencia Víctor Vormelker: Patrocinador ambicioso Carolina Cardoso: Piloto prodigio Gilberto Ghetin: Rival implacable CABECERA Sonidos de pistolas de aire comprimido apretando tuercas, olor de grasa y aceite, respiraciones profundas para tranquilizar emociones, ruido de los motores acelerando a fondo, gradas llenas de aficionados animando a sus pilotos favoritos, semáforos en rojo…. Y verde comienza la Carrera LOCALIZACIONES El Circuito Estrella La sede principal. Luces, cámaras, prensa, glamour. Preguntas: ¿Qué rincón del circuito es tu refugio secreto? ¿Qué parte del circuito te trae un recuerdo doloroso? Los Boxes El corazón emocional del equipo. Preguntas: ¿A quién no quieres ver aquí? ¿Qué objeto guardas en tu caja de herramientas que nadie conoce? El Garaje Clandestino Donde se preparan coches ilegales, apuestas y carreras nocturnas. Preguntas: ¿Qué deuda tienes en este lugar? ¿Qué secreto viste y nunca contaste? La Sala de Prensa Donde la verdad se manipula. Preguntas: ¿Qué periodista te odia? ¿Qué rumor sobre ti es cierto? La Caravana del Equipo Hogar temporal, nido de tensiones. Preguntas: ¿Quién duerme demasiado cerca de ti? ¿Qué conversación evitáis desde hace semanas? PNJ Recurrentes Lina Duarte, la Comentarista Siempre sabe más de lo que dice. ¿Qué secreto tuyo podría revelar en directo? Marco “El Tiburón” Valenti, el Patrocinador Sonrisa perfecta, alma dudosa. ¿Qué trato te ofreció que aún no has aceptado? Sombra, el Rey de las Carreras Ilegales Nunca aparece sin motivo. ¿Qué te une a él que nadie debe saber? Yara, la Mecánica Fantasma Aparece cuando todo está perdido. ¿Qué le debes desde hace años? La música que se escucha al principio es The Edge de Swoop. License code: AF9VIM0FXNO8YMOQ Suny Side/Airstream

Africa Melane is joined by Lesiba Mpya, spokesperson for the MEC of the Gauteng Department of Roads and Transport to discuss how the department plans to tackle the Scholar transport crisis. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen.Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBUListen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3NSubscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetcFollow us on social media:702 on Facebook: https://www.facebook.com/TalkRadio702702 on TikTok: https://www.tiktok.com/@talkradio702702 on Instagram: https://www.instagram.com/talkradio702/702 on X: https://x.com/Radio702702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/CapeTalkCapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

Greg Carey with a preview from Cincinnati on the WVU matchup with the Bearcats. Ravenswood coach Mick Price on the Country Roads Shootout at WV State next week. Fromer West Liberty D2 All-American and MEC player of the year on setting a new world record with 10,704 made three point shots in less than 24 hours. 

Baylor PXP voice John Morris on the WVU matchup Saturday. Daniel Woods of MetroNews on the weekend in MEC basketball. 

MEC News has hit the digital airwaves! This week, the Delta MEC honored those lost on PSA Flight 5342, the Engage team introduces the Negotiating Committee ahead of Section 6, and UNH polling continues until February 4. If you get the call, please provide your valuable input to your MEC. Plus, all committee news and updates are available in this week's newsletter.

Dr. Andrés Ozols

¿Por qué sigues "empujando" la realidad sin ver resultados tangibles? No es falta de disciplina, ni mala suerte. Es un error de ingeniería mecánica. Tu realidad no responde a tu esfuerzo (que suele ser "Ruido"), responde únicamente a la precisión de tu "Señal". En este análisis maestro, desmantelamos la "moralidad" del éxito para revelarte la Mecánica de la Consciencia. Fusionamos la física digital de Thomas Campbell (My Big TOE), la mecánica holográfica de Itzhak Bentov (Acecho del Péndulo) y la tecnología de sincronización cerebral de Robert Monroe. Descubrirás que el universo es un sistema de procesamiento de información que marca tu ansiedad como spam. Aprenderás a bajar tu entropía y usar la frecuencia exacta para dejar de perseguir tu futuro y empezar a "materializarlo", hackeando el sistema de probabilidades desde el origen. EN ESTE PROTOCOLO DE INGENIERÍA APRENDERÁS: El Principio del Interferómetro: La explicación de Bentov sobre por qué tu ansiedad crea un "atasco" físico que impide la materialización. Entropía vs. Información: La premisa de Campbell: El universo no te castiga, solo elimina sistemas desordenados (Ruido). Aprende a ser Señal. El Espejo con Retraso: La razón técnica por la que te rindes justo antes de que la realidad cambie y cómo sostener la frecuencia en el vacío. Focus 10 y el SAR: Cómo utilizar el estado de "Cuerpo Dormido / Mente Despierta" para reprogramar tu Sistema de Activación Reticular sin resistencia biológica. ⚡ ¿LISTO PARA CALIBRAR TU SEÑAL? (Reto Vector Z) Si quieres dejar la teoría y aplicar el Protocolo Vector Z para llegar mecánicamente a Focus 10, limpiar el ruido neuronal y sintonizar tu nueva línea de vida con tecnología de ondas, únete a la versión especial del Reto. Escribe la palabra SEÑAL en los comentarios para recibir el acceso exclusivo. DINÁMICA PARTE 2: Si quieres que analicemos "La Ecuación del Tiempo y Probabilidades", deja un comentario con la frase: "ELIJO MI FUTURO". Bibliografía Analizada: Stalking the Wild Pendulum - Itzhak Bentov My Big TOE - Thomas Campbell The Gateway Experience Manual / CIA Analysis - The Monroe Institute #ItzhakBentov #ThomasCampbell #RobertMonroe #SaltoCuantico #Frecuencia #LeyDeAsuncion #FisicaCuantica #ConocimientoExperto #SalvadorMingo #VectorZ #RealidadDeseada Salvador Mingo Creador de Conocimiento Experto | Estratega en desarrollo personal y enfoque interno salvador@conocimientoexperto.com CONECTA CONMIGO: Contacto: salvador@conocimientoexperto.com Enlaces oficiales: Web: https://conocimientoexperto.com YouTube: https://www.youtube.com/@conocimientoexperto Podcast (Spotify): https://open.spotify.com/show/65J8RTsruRXBxeQElVmU0b Instagram: https://www.instagram.com/salvadormingo/ LinkedIn: https://www.linkedin.com/in/salvadormingoce/ Guías prácticas: https://conocimientoexperto.com/accede-a-las-guias

¿Por qué sigues "empujando" la realidad sin ver resultados tangibles? No es falta de disciplina, ni mala suerte. Es un error de ingeniería mecánica. Tu realidad no responde a tu esfuerzo (que suele ser "Ruido"), responde únicamente a la precisión de tu "Señal". En este análisis maestro, desmantelamos la "moralidad" del éxito para revelarte la Mecánica de la Consciencia. Fusionamos la física digital de Thomas Campbell (My Big TOE), la mecánica holográfica de Itzhak Bentov (Acecho del Péndulo) y la tecnología de sincronización cerebral de Robert Monroe. Descubrirás que el universo es un sistema de procesamiento de información que marca tu ansiedad como spam. Aprenderás a bajar tu entropía y usar la frecuencia exacta para dejar de perseguir tu futuro y empezar a "materializarlo", hackeando el sistema de probabilidades desde el origen. EN ESTE PROTOCOLO DE INGENIERÍA APRENDERÁS: El Principio del Interferómetro: La explicación de Bentov sobre por qué tu ansiedad crea un "atasco" físico que impide la materialización. Entropía vs. Información: La premisa de Campbell: El universo no te castiga, solo elimina sistemas desordenados (Ruido). Aprende a ser Señal. El Espejo con Retraso: La razón técnica por la que te rindes justo antes de que la realidad cambie y cómo sostener la frecuencia en el vacío. Focus 10 y el SAR: Cómo utilizar el estado de "Cuerpo Dormido / Mente Despierta" para reprogramar tu Sistema de Activación Reticular sin resistencia biológica. ⚡ ¿LISTO PARA CALIBRAR TU SEÑAL? (Reto Vector Z) Si quieres dejar la teoría y aplicar el Protocolo Vector Z para llegar mecánicamente a Focus 10, limpiar el ruido neuronal y sintonizar tu nueva línea de vida con tecnología de ondas, únete a la versión especial del Reto. Escribe la palabra SEÑAL en los comentarios para recibir el acceso exclusivo. DINÁMICA PARTE 2: Si quieres que analicemos "La Ecuación del Tiempo y Probabilidades", deja un comentario con la frase: "ELIJO MI FUTURO". Bibliografía Analizada: Stalking the Wild Pendulum - Itzhak Bentov My Big TOE - Thomas Campbell The Gateway Experience Manual / CIA Analysis - The Monroe Institute #ItzhakBentov #ThomasCampbell #RobertMonroe #SaltoCuantico #Frecuencia #LeyDeAsuncion #FisicaCuantica #ConocimientoExperto #SalvadorMingo #VectorZ #RealidadDeseada Salvador Mingo Creador de Conocimiento Experto | Estratega en desarrollo personal y enfoque interno salvador@conocimientoexperto.com CONECTA CONMIGO: Contacto: salvador@conocimientoexperto.com Enlaces oficiales: Web: https://conocimientoexperto.com YouTube: https://www.youtube.com/@conocimientoexperto Podcast (Spotify): https://open.spotify.com/show/65J8RTsruRXBxeQElVmU0b Instagram: https://www.instagram.com/salvadormingo/ LinkedIn: https://www.linkedin.com/in/salvadormingoce/ Guías prácticas: https://conocimientoexperto.com/accede-a-las-guiasConviértete en un supporter de este podcast: https://www.spreaker.com/podcast/conocimiento-experto--2975003/support.

On this episode:Maryville boys & girls sweep Bishop LeBlond in an MEC conference doubleheader.Thursday scoresWanna thank all of our great Sponsors who make all of this possible.Tolly & Associates Little Caesars of St. Joseph John Anderson Insurance, Meierhofer 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, The KCI Basketball Podcast Jacob Erdman - Shelter Insurance of Rock Port, Rob & Stacia Studer, Green Family Chiropractic , 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 Wigfield Farms in Chillicothe

Most people are taught to buy term insurance and invest the rest—but what if that advice is based on a massive misunderstanding of how life insurance actually works? In this episode, we break down why dividend-paying whole life insurance is fundamentally misclassified, how insurance companies really make money, and why Nelson Nash believed banking, not investing, was the missing piece. In WTB Episode 253, we continue our deep dive into Becoming Your Own Banker by Nelson Nash, focusing on mortality tables, underwriting, modified endowment contracts (MECs), and why whole life insurance behaves more like a banking system than an insurance product. We explore: Why term insurance is incredibly profitable for insurance companies How underwriting selects for people who actually live longer Why retirement at 65 was built on a flawed assumption How MEC rules really work (and why they're not the end of the world) Why universal life, variable life, and indexed UL fail long-term How to properly structure a whole life policy for Infinite Banking If you've ever been told "whole life is bad," this episode explains where that belief came from—and why it persists. Key Takeaways: Death is not an if—it's a when, and insurance should be structured accordingly Term insurance is statistically designed not to pay out Responsible, underwritten individuals live longer—and insurers know it Whole life insurance is misclassified, leading to bad financial decisions Infinite Banking works best when cash value is prioritized over death benefit MEC policies aren't catastrophic—but understanding the rules matters Chapters: (00:00) – Why the insurance industry misunderstands its own products (05:50) – Mortality tables, underwriting, and who actually lives longer (10:52) – Retirement at 65 and the Social Security fallacy (18:03) – MEC rules, overfunding, and policy design explained (31:27) – Why universal, variable, and indexed life insurance fail (39:21) – Why Infinite Banking is caught, not taught

Dicen que dos cabezas piensan mejor que una, pero en la industria del automóvil, a veces dos cabezas solo sirven para darse cabezazos. Existen frases muy manidas como “la unión hace la fuerza”, pero la historia nos demuestra que, en ocasiones, ocurre justo lo contrario: la unión no suma, resta. Hoy analizamos 10 ejemplos de colaboraciones fallidas, "Frankensteins" mecánicos y millones de euros tirados a la basura en proyectos que nunca debieron existir. 1. Cisitalia-Porsche Type 360 (1947): La genialidad maldita Esta historia comienza en una cárcel francesa, donde Ferdinand Porsche y Anton Piëch estaban presos tras la guerra. Piero Dusio, fundador de Cisitalia, pagó una fortuna por un diseño de Porsche para financiar su fianza. El resultado fue el Type 360, una locura técnica adelantada 20 años a su tiempo: motor central de 12 cilindros, doble compresor y tracción total conectable. 2. Maserati Quattroporte II (1974): La limusina lenta Bajo el paraguas de Citroën, Maserati intentó crear una berlina de lujo. El error fue partir del chasis del Citroën SM y usar su motor V6 de tracción delantera. El resultado fue una herejía: un Maserati de tracción delantera con menos de 200 CV para mover dos toneladas. Era lento y complicadísimo de reparar. Tras la quiebra de Citroën, Peugeot mandó destruir casi todas las unidades. Solo sobrevivieron 13. 3. Saab-Lancia 600 (1980): El vikingo friolero Saab necesitaba un coche nuevo y Lancia tenía el Delta. Decidieron vender el Delta en Suecia con el logo de Saab, prometiendo "temperamento latino y calidad sueca". Fue un desastre. El acero italiano de la época se oxidaba con la sal de las carreteras suecas y la calefacción no estaba pensada para el clima ártico. Además, la electrónica italiana enloquecía con la humedad escandinava. Casi arruina la reputación de Saab. 4. Alfa Romeo Arna (1983): El mundo al revés La lógica dictaba unir la fiabilidad japonesa con el diseño italiano. Pero hicieron lo contrario: usaron la carrocería del soso Nissan Cherry y le metieron la mecánica y electrónica caprichosa del Alfasud. Para colmo, las carrocerías se fabricaban en Japón y se enviaban a Nápoles para ser ensambladas por mano de obra sin experiencia. El coche era feo y se rompía constantemente. 5. Cadillac Allanté (1987): El puente aéreo más caro GM quería un rival para el Mercedes SL y contrató a Pininfarina. El problema fue logístico: Pininfarina fabricaba las carrocerías en Turín y las enviaban a Detroit en aviones Boeing 747 modificados (56 carrocerías por vuelo). Esta locura, conocida como el "Puente Aéreo Allanté", encareció el coche hasta los 54.000 dólares. Aunque no era mal coche, el Mercedes llegaba en barco, era mejor y más barato. 6. Chrysler TC by Maserati (1989): Un pacto de amigos Lee Iacocca y Alejandro de Tomaso decidieron colaborar. Usaron la plataforma del humilde Dodge Daytona, enviaron las piezas a Milán y Maserati las ensambló con cuero caro. El resultado costaba 33.000 dólares pero parecía un Chrysler LeBaron de 12.000. Fue un fracaso económico monumental que costó a Chrysler más de 600 millones de dólares. 7. Honda Crossroad (1993): Cuando Honda pierde aceite En plena fiebre SUV, Honda no tenía un todoterreno. Su solución fue traer el Land Rover Discovery, ponerle la "H" de Honda y llamarlo Crossroad. No cambiaron nada más. El choque cultural fue brutal: los clientes japoneses, acostumbrados a la fiabilidad absoluta, se encontraron con un coche inglés que dejaba manchas de aceite y tenía fallos eléctricos. Honda tuvo que recomprarlos y pedir perdón. 8. Cadillac Catera (1997): El pato que hacía Zig Cadillac intentó rejuvenecer su imagen importando el Opel Omega alemán a EE. UU. El coche no estaba mal, pero el marketing fue atroz. Usaron el eslogan "The Caddy that Zigs" y una mascota: un pato de dibujos animados. Nadie entendió qué hacía un Opel con un pato en un concesionario de lujo. Además, sufría problemas de fiabilidad y sobrepeso. 9. Aston Martin Cygnet (2011): La trampa legal Para cumplir con las normativas de emisiones europeas, Aston Martin cogió el pequeño Toyota iQ, le puso una parrilla propia, forró el interior de cuero y lo vendió por casi 40.000 euros (el triple que el Toyota). Mecánicamente era idéntico (98 CV). Fue una maniobra cínica para bajar la media de emisiones de la marca, aunque hoy son piezas de colección por su rareza. 10. Mercedes-Benz Clase X (2017): La estrella estrellada Mercedes quiso entrar en el mercado de las Pick-up usando la base de la Nissan Navara. Le cambiaron el frontal y el interior, pero la gente se dio cuenta de que era una Nissan con sobreprecio. Nadie quiso pagar el "impuesto de la estrella" por una herramienta de trabajo japonesa disfrazada. La producción se canceló apenas dos años después de su lanzamiento.

No podcast ‘Notícia No Seu Tempo’, confira em áudio as principais notícias da edição impressa do jornal ‘O Estado de S.Paulo’ desta terça-feira (20/01/2026): Levantamento do Estadão aponta que a rede de empresas ligadas a Daniel Vorcaro e a outros executivos do Banco Master tem mais de 2,5 mil CNPJs. Eles estão em diversos setores, mas o principal é o segmento imobiliário, com 1.246 negócios. O setor é conhecido por utilizar CNPJs diferentes para cada empreendimento imobiliário. A prática é vista com reservas por especialistas. Uma malha tão grande de CNPJs pode ajudar a esconder o percurso do dinheiro entre empresas e indivíduos, em especial se envolver também fundos de investimentos. A defesa de Daniel Vorcaro afirmou que “todas as medidas judiciais determinadas no âmbito da investigação serão atendidas com total transparência”. E mais: Economia: Após o caso Master, Haddad quer o BC e não a CVM na fiscalização dos fundos Política: Gonet é acionado para avaliar conflito de interesses e suspeição de Toffoli Internacional: Trump culpa Noruega e liga desejo pela Groenlândia a desprezo do Nobel Metrópole: Prova do MEC reprova 1/3 dos cursos de Medicina; 99 serão alvo de sanções Caderno 2: O ‘último imperador’ da moda See omnystudio.com/listener for privacy information.

On this episode: ⁃ Benton & Lafayette girls advance to Fridays Kearney Tournament Championship game Hear from the following: ⁃ Benton coach Becca Bailey & Sophomore Klarabelle Turner ⁃ Lafayette Coach Ryan Madison & Junior Katana BighamWednesday Scoreboards ⁃ Benton will be staying in the MEC for the next two seasons. Wanna thank all of our great Sponsors who make all of this possible.Tolly & Associates Little Caesars of St. Joseph John Anderson Insurance, Meierhofer 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 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, Whitney Whitt Agency of Hamilton, Wolf Black Herefords, The KCI Basketball Podcast Jacob Erdman - Shelter Insurance of Rock Port, Rob & Stacia Studer, Green Family Chiropractic , Annie & Noah Roseberry of Re/Max Professionals, Moseley Farms, Jake Anderson of Shelter Insurance Bray Farms of Cameron.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 Wigfield Farms in Chillicothe

No podcast do PublishNews desta semana, fomos até o Seminário Retratos da Leitura no Brasil, onde foram discutidos diversos aspectos desta pesquisa e destacamos o painel: Políticas Públicas - Garantindo o direito ao livro e a leitura, tendo como subtítulo: O PNLL – desafios e a gestação de um novo Retrato, onde foram convidadas as principais referências políticas públicas do livro e leitura, e que estão à frente do desenvolvimento do novo Plano Nacional do Livro e Leitura. O painel contou com Jefferson Assunção – Diretor de Livro, Literatura e Bibliotecas, da Secretaria de Formação, Livro e Leitura do Ministério da Cultura. Anita Gea – Diretora de Apoio à Gestão Educacional da Secretaria de Educação Básica do Ministério da Educação (MEC) e Fabiano Piúba – Secretário de Formação Cultural, Livro e Leitura do Ministério da Cultura (SEFLI/MinC) e com a mediação de: José Castilho Marques Neto – Consultor internacional e membro titular do Conselho Diretivo do novo PNLL.A conversa aborda de forma extensa a importância das políticas públicas para garantir o direito à leitura no Brasil e seus diversos aspectos.Este é um episódio 404 do Podcast do PublishNews do dia 13 de janeiro de 2026 e gravado no dia 9 de dezembro de dezembro no Auditório do Itaú Cultural (SP) e realizado pelo Instituto Pró-livro. Não se esqueça de assinar a nossa newsletter, nos seguir nas redes sociais: Instagram, Linkedin, Facebook e TikTok. Todos os dias com novos conteúdos para você. E também nos siga no YouTube ou no tSpotify, onde você pode comentar, dar sugestões até 5 estrelas. E agora José Castilho Marques Neto, Jefferson Assunção, Anita Gea e Fabiano Piúba Este podcast é um oferecimento da MVB América Latina! Onde a inovação e tecnologia impulsionam o mercado do livro. Com a Pubnet, você ganha eficiência, agilidade e segurança em cada pedido.E quando o assunto é metadados… metadados é com Metabooks! Porque, no fim das contas, o propósito da MVB é um só: levar os livros até os leitores! https://pt.mvb-online.com/Já ouviu falar em POD, impressão sob demanda? Nossos parceiros da UmLivro são referência dessa tecnologia no Brasil, que permite vender primeiro e imprimir depois; reduzindo custos com estoque, armazenamento e distribuição. Com o POD da UmLivro, você disponibiliza 100% do seu catálogo sem perder nenhuma venda. http://umlivro.com.bre também com o apoio da CBLA Câmara Brasileira do Livro representa editores, livreiros, distribuidores e demais profissionais do setor e atua para promover o acesso ao livro e a democratização da leitura no Brasil. É a Agência Brasileira do ISBN e possui uma plataforma digital que oferece serviços como: ISBN, Código de Barras, Ficha Catalográfica, Registro de Direito Autoral e Carta de Exclusividade. https://cbl.org.br

John Maytham is joined now by Carl Pophaim, the City of Cape Town’s Mayoral Committee Member for Human Settlements, to unpack what the City’s plans are for Dunoon Site 5 and what still needs to happen to move this process forward 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.

In this special holiday edition of Engage, host First Officer Ryan Argenta sits down with MEC Chairman Captain Eric Criswell for a timely year-end update and message to Delta pilots. Eric shares what's been keeping the MEC busy over the past few months, including preparations for the upcoming Section 6 contract opener, progress on MOU 25-05, and efforts to bring stability and accountability to trip coverage. The conversation covers the strong pilot engagement seen in the recent contract survey, how that feedback is shaping negotiating priorities, and what to expect as openers are passed in April 2026. Eric also explains the MEC's new resolution addressing “dealmaking,” outlining a fair, progressive process to protect contractual integrity while keeping the focus where it belongs - on unity and holding the Company accountable. The episode wraps with a holiday message and a reminder to stay rested, stay engaged, and look out for one another as we head into the new year. In this episode: Section 6 preparation and timeline for contract openers Record pilot participation in the contract survey MOU 25-05, the “quick slip,” and sick/well app updates Addressing dealmaking and protecting trip coverage processes The importance of unity heading into negotiations A holiday message to the pilot group Thank you for listening to Engage. On behalf of the Engage Podcast Team, we wish you and your families a very safe, warm, and healthy holiday season. Follow us on Spotify, Apple Podcasts, or your favorite platform to stay up to date when new episodes drop.

In this edition of the Engage Weekly, your Comm Committee provides some Good Faith Basis reminders, an update on the NC's briefing to the MEC on C2026 survey results, more info on a recent ARCOS programming bug, and additional reminders about your end-of-year health insurance benefits. Plus news, updates, and event information from your committees and LECs!

Hans and Brian break down the four-stage framework for infinite banking mastery, drawn from Factum Financial's work observing how practitioners actually use their policies over time.Most people who buy a whole life policy think they're "doing infinite banking." They're not. They're at Stage One—and most never make it past Stage Three. This episode walks through the progression from Saver to Wealth Builder to Business Banker to Infinite Banker, and explains why defining success is the only way to stop chasing "more" forever.The conventional approach to money says sacrifice now, maybe live on rice and beans, and hope for abundance at 65. The infinite banking model allows you to live in abundance now while building exponentially greater wealth for future generations—but only if you understand what stage you're in and where you're actually going.Chapters: 00:00 - Opening segment03:40 - Why most life insurance is just a drawer document04:50 - Stage One: The Saver (financial education, awareness, saving strategy)06:30 - Why getting the policy doesn't make you proficient08:00 - Stage Two: The Wealth Builder (adding debt strategy and investing strategy)11:15 - Understanding policy loan mechanics and efficient cash flow capture12:00 - Multiple uses of your dollar: saving and debt repayment simultaneously12:35 - Stage Three: The Business Banker (comprehensive integration)14:00 - Raising deductibles and optimizing cash flow across all insurance16:05 - Asset protection and trust structures17:35 - The synergistic effect when investing strategies tie back into the system18:00 - Stage Four: The Infinite Banker (maximum control and financial freedom)18:25 - Jason Lowe's family with 77 policies financing nothing through banks20:05 - The five areas of life: spiritual, personal, family, financial, occupation22:35 - Hans's financial goals: zero budget on health/longevity and slow travel24:30 - Why you need to get comfortable with material goals26:00 - Finance as the area that spreads across everything else27:35 - Even a simple quiet life requires getting financial loose ends tied up29:10 - Leaving disorder vs leaving a legacy31:30 - Identifying which stage you're in and continuously optimizing32:25 - Recap of the four stages32:35 - Contrasting with the conventional "no control" financial planning model34:40 - Closing thoughts Key Takeaways:Stage One - The Saver: Getting the policy in place with financial education, awareness, and a saving strategy. Understanding why you have a term rider, what your MEC limit is, and the basic structure. Many clients can't fully explain these elements a year after purchase—that's normal, but it means you're still at Stage One.Stage Two - The Wealth Builder: Adding debt strategy and investing strategy on top of the whole life chassis. Using policy loans efficiently, understanding being your own banker, and making your dollars work in multiple places simultaneously. Most Remnant Finance clients are here.Stage Three - The Business Banker: Treating family cash flow like a business. Comprehensive integration of cash flow management, optimized insurance strategies (raising deductibles to maximize inflows), asset protection, and trust structures. The synergistic effect where investments flow back into the entire system.Stage Four - The Infinite Banker: True financial freedom with maximum control over your entire financial life. Multi-generational legacy where the next generation understands and participates. 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 SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Héctor Latorre revela los principios psicológicos y emocionales que te ayudarán a conectar genuinamente con los demás, causar una excelente primera impresión y proyectar confianza y poder personal. Descubre las claves para gustar sin fingir, cómo distinguir la manipulación de la persuasión auténtica, y cómo usar tu lenguaje corporal para generar atracción y respeto.Héctor de la Torre es especialista en carisma, comunicación persuasiva y lenguaje no verbal. Ha ayudado a miles de personas a proyectar seguridad, mejorar su presencia y conectar con más facilidad en cualquier entorno social o profesional.

Here is your recap of the MEC's week from their regular meeting session in Newport Beach, CA. Be on the lookout for a meeting summary from this November's meeting The Delta Pilot Uniform Program vendor selection is underway Delta pilots support fellow pilot groups on the picket line this week UNH polling wraps up today. If called, please provide your feedback! Get additional news nuggets from Contract Admin, CASC, PAN, DPAC, and select LECs in this week's episode and in MEC News! Have a good weekend!

Why the Indexed Universal Life lawsuit is a wake-up call The headlines about the Kyle Busch vs Pacific Life indexed universal life lawsuit sparked the same question I hear from thoughtful families: is my policy designed to serve me, or to serve a sales incentive? This isn't tabloid noise. It's a real-world reminder that choices around products, product design, and behavior determine outcomes. When insurance gets framed like an investment, confusion wins—and families pay for the confusion later. https://www.youtube.com/live/3aLnzmv2dlc Behind the headlines is a deeper issue many families face: when insurance starts getting pitched as an investment, people get hurt. This indexed universal life lawsuit isn't just celebrity drama. It's a cautionary tale about design choices, incentives, and behavior—three ingredients that make or break outcomes. Why the Indexed Universal Life lawsuit is a wake-up callWhy this Indexed Universal Life lawsuit matters to you1) What actually happened in the Kyle Busch vs Pacific Life case2) What Indexed Universal Life is designed to do (and why the moving parts matter)3) Why Indexed Universal Life is usually a poor fit for Infinite Banking4) The commission conversation: what really matters5) Red flags to spot in any IUL illustration6) The behavior factor: decisions drive outcomes7) Where IUL can make sense—and where it doesn't8) How to review your current policy or a proposal in 20 minutesWhat this Indexed Universal Life lawsuit teaches usListen to the full episode on the Indexed Universal Life lawsuitBook A Strategy CallFAQWhat is the Kyle Busch vs Pacific Life indexed universal life lawsuit about?Is an indexed universal life policy a good fit for Infinite Banking?Are whole life policies safer than IUL for building cash value?How do agent commissions affect IUL performance?What red flags should I look for in an IUL illustration?Can IUL still make sense for estate planning?What's the simplest way to protect myself before buying?Is life insurance an investment?What should I do if I already own an IUL? Why this Indexed Universal Life lawsuit matters to you Here's the premise: The Kyle Busch vs Pacific Life indexed universal life lawsuit is shining a bright light on how certain policy designs and sales incentives can set people up for disappointment. Our goal in this article is to unpack what happened at a practical level, explain why it happened, and give you a simple framework to evaluate your own policy or a policy you're considering. What you'll get: A clear understanding of indexed universal life (IUL) mechanics—caps, participation rates, floors, and charges Why IUL is often a poor fit for Infinite Banking, and where it can make sense How agent compensation and death benefit decisions impact performance The difference between marketing hype and durable guarantees A short checklist of questions to ask before you sign anything We'll speak plainly. We'll respect your intelligence. And we'll give you steps to protect your family and your capital. 1) What actually happened in the Kyle Busch vs Pacific Life case Bruce here. Based on the widely discussed analysis from respected product designer Bobby Samuelson, the policy at the center of this story was a complex indexed universal life contract. The pitch focused on future “income.” The design featured a very high death benefit, which increases internal charges and agent compensation. It also appears the early-year cash value was constrained by both high expenses and allocation choices, and that funding didn't match the schedule the clients initially expected. The result: heavy costs, lower-than-expected performance, and ultimately a policy lapse after substantial premiums were paid. Rachel again. Two principles jump out. First, when life insurance is positioned as an investment promising tax-free income, the conversation gets blurry fast. Second, the higher the initial death benefit, the higher the internal costs—especially for a client with added risk factors. Costs matter most in the early years. If they consume the lion's share of premiums, policy cash value will suffer, and a lapse risk can rise. Takeaway: A policy can look good on a spreadsheet and still be fragile in real life if the design incentives and assumptions don't align with your actual goals. 2) What Indexed Universal Life is designed to do (and why the moving parts matter) Bruce here. IUL ties crediting to an index such as the S&P 500 with caps and participation rates. You don't get the full index return. You get a portion, limited by the carrier's rules. You also don't take index losses; there's usually a 0% floor for crediting. But there's a critical nuance: while the index credit can't go below zero, charges—cost of insurance, policy expenses, riders—still come out. A zero-crediting year can still set you back if expenses outpace gains. That's why illustrations are tricky. They show a hypothetical average crediting rate over time. Real markets don't move in averages, and caps, participation rates, and expenses can change. If early-year charges are high, the policy needs time, consistent funding, and sufficiently strong credited returns to catch up. Rachel here. I love simplicity and transparency. That's why, for Infinite Banking, I prefer whole life. You get contractual guarantees on cash value and death benefit, plus the long history of dividends. Is it flashy? No. Is it dependable? Yes. 3) Why Indexed Universal Life is usually a poor fit for Infinite Banking The Infinite Banking Concept relies on stable, accessible cash value, simple mechanics, and predictable loan behavior. Here's where IUL struggles for banking use: Volatility in crediting. Caps and participation rates can shift. Policy loans can stress the design. Loan interest plus uneven crediting can turn small missteps into big problems. Moving parts multiply complexity. If you want banking simplicity, fewer moving parts beat more every time. Could IUL fit some estate-planning use cases? Sure, for certain objectives where the focus is death benefit and there's no plan to rely on policy loans or income. But for banking—using policy cash value as your family's capital base—whole life's guarantees create the clarity and control most people actually want. 4) The commission conversation: what really matters Bruce here. Let's talk compensation without the drama. In any life insurance policy, there are upfront costs. Over long horizons, those upfront costs spread out and matter less if the policy is designed and funded well. But design still matters a lot in the early years. A very high base death benefit can push up the target premium and the commission. It can also raise internal charges precisely when you need cash value efficiency. Rachel again. Ask this one question: How does this design minimize commissions and early-year drag while keeping the policy MEC-safe? In and IUL, like the one mentioned in the lawsuit, that means using a blend structure and, when appropriate, term riders like ART to support premium without bloating long-term costs. If an agent can't explain—in plain English—how they're minimizing commissions and internal drag, press pause. 5) Red flags to spot in any IUL illustration A few practical signals you can use immediately: The illustration calls life insurance an “investment” or implies market-like returns with no meaningful discussion of costs and moving parts. Year-1 cash value is tiny relative to premium with no clear rationale. The design amps the death benefit far above what's needed to keep the contract non-MEC, without using low-cost term blending when available. Income projections look aggressive while early-year charges eat most premiums. Allocations default to a fixed account for years while the pitch centers on index crediting. The plan depends on perfect behavior—no missed funding, no changes, no down years—for it to work. 6) The behavior factor: decisions drive outcomes Bruce here. Nelson Nash reminded us: your behavior matters more than the policy. If the plan assumes consistent premium funding, or specific timing for loan repayment, those behaviors must be realistic for your family. A design that only works in a perfect world isn't a plan; it's a hope. Rachel again. Behavior plus guarantees is where confidence grows. I want you to be able to look at your numbers, understand them, and know what to do next—especially when life happens. 7) Where IUL can make sense—and where it doesn't We're not absolutists. IUL can be used intentionally in estate planning when: The primary goal is death benefit, not banking or policy loans Funding is reliable and stress-tested You're comfortable with moving parts and the absence of whole life guarantees You've pressure-tested outcomes under lower caps and participation rates For Infinite Banking—where the priority is guaranteed, steadily compounding cash value with simple loan mechanics—whole life wins on clarity, control, and durability. 8) How to review your current policy or a proposal in 20 minutes Use this mini-checklist: Purpose: Is this for death benefit, banking, income, or estate planning? Guarantees: What's guaranteed vs projected? Look at guaranteed cash value and death benefit. Early cash value: What percentage of the premium shows as cash value in years 1–3? Does it make sense? MEC safety: How is MEC testing handled? Is an ART or blend used to control costs? Commission drag: How is the design minimizing commission and internal charges while meeting your goal? IUL Allocation: Where is the premium allocated in years 1–3? Fixed vs indexed? Why? IUL Stress tests: What happens if caps/participation rates fall or a funding year is missed? Loan modeling: If banking or income is the goal, are loan assumptions conservative and clearly explained?

Before your elected Union reps head to California for the November meeting next week, catch this quick Delta MEC update.

Tune in to the latest MEC Weekly for essential updates straight from your MEC. Highlights of this episode: UPS Flight 2976: The MEC pays tribute to those lost in the tragic crash that occurred this week. MOU 25-05 Resources: Key details with a companion Engage podcast episode available. Vacation Bidding Upgrade: New software rolling out – what you need to know. Premium Rotations in PBS: Secure your spot starting this December. MEC November Meeting in Newport Beach, CA: Learn what to expect at this month's meeting. Veterans Day Office Hours: Resources available for pilots while offices are closed. Vets, as always, thank you for your service. Additional links and information are available in this week's MEC News. Stay informed, stay connected and stay engaged. Listen now wherever you get your podcasts!

Wicus Diedericks, owner of Rockwood Conservation, dropped a bomb on the rhino conservation world on Friday, when a court ruled that he can trade in rhino horn (devil is in the details). It's not quite that simple, but the ruling stated that the CITES exemption for conservation-bred rhinos is part of South African law - i.e., he should legally be able to get an export permit for horns that have been dehorned from his herd. This is huge news for rhino conservation and potentially the legal mechanism by which rhino horn can be purchased by the east and the Middle East. This is absolutely breaking news, with this court decision occurring last Friday. We do not know the extent of the implications of the court ruling, we do know the MEC of the Northern Cape has 7 days to respond to the issuance of the export permit. We also know that in 2 1/2 weeks CITES COP starts in Uzbekistan and this will be the talk of the town there! Get to know the guest: https://www.dailymaverick.co.za/article/2025-10-31-rhino-horn-harvested-from-captive-breeding-operations-can-be-exported-high-court-rules/ Do you have questions we can answer? Send it via DM on IG or through email at info@theoriginsfoundation.org  Support our Conservation Club Members! Schalk Pienaar Safaris Namibia: https://spsafarisnamibia.com/  Dr. Blake Brown, DDS: https://www.drblakebrowndentistry.com/  The Hunting Ban in Cabaneros National Park: https://theoriginsfoundation.org/conservation-projects/hunting-ban-cabaneros-national-park/  See more from Blood Origins: https://bit.ly/BloodOrigins_Subscribe Music: Migration by Ian Post (Winter Solstice), licensed through artlist.io This podcast is brought to you by Bushnell, who believes in providing the highest quality, most reliable & affordable outdoor products on the market. Your performance is their passion. https://www.bushnell.com  This podcast is also brought to you by Silencer Central, who believes in making buying a silencer simple and they handle the paperwork for you. Shop the largest silencer dealer in the world. Get started today! https://www.silencercentral.com  This podcast is brought to you by Safari Specialty Importers. Why do serious hunters use Safari Specialty Importers? Because getting your trophies home to you is all they do. Find our more at: https://safarispecialtyimporters.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Halloween from the Delta MEC! Here are the news bites from the MEC's week.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how modern life insurance can be more than a death benefit—it can be an all-in-one tool for retirement planning strategies, tax advantages of life insurance, and long-term care insurance. With guest expert Jim Bowman, they explain how well-structured cash value policies—especially Indexed Universal Life—can provide tax free retirement income, flexible access to cash, and an efficient way to leave a legacy to family or charity.Listen in to learn about the practical differences between term and cash value policies, how to design funding to avoid MEC rules, why many retirees use unneeded RMDs to create tax-efficient benefits, and how hybrid life insurance can accelerate a portion of the death benefit for qualifying long-term care needs. If you want a clear path to secure your retirement, plan for retirement, and keep a simple retirement checklist for retiring comfortably, this conversation is for you.In this episode, find out:· How to think about life insurance benefits beyond debt protection—legacy, liquidity, and LTC.· The mechanics of life insurance cash value and using policy loans for tax free retirement income.· Why life insurance and taxes can work in your favor when policies are designed to minimize insurance cost and maximize accumulation.· When to consider life insurance for retirement (including for business owners) and how to fund over 5–7 years to avoid MECs.· Using unwanted RMDs to fund life insurance for seniors or a hybrid life insurance policy with long term care insurance riders.Tweetable Quotes:· “Life insurance can be the Swiss Army knife of retirement—growth, tax efficiency, legacy, and long-term care in one plan.” — Radon Stancil· “Design the policy to minimize insurance cost and maximize cash value—then let it do the heavy lifting for tax-free income.” — Murs TariqThroughout the episode, we cover: Retirement Planning, retirement planning strategies, planning retirement with Indexed Universal Life, coordinating with a broader financial plan, and using a straightforward retirement checklist to align cash flow, taxes, and legacy goals—so you can secure your retirement.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.