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In this first solo show for December, the host, Larry Hagner, comes to the audience with anger and urgency to discuss a massive, sinister online threat targeting children through seemingly innocent games like Roblox and Minecraft. Drawing heavily from a recent Sean Ryan Show interview with ethical hacker Ryan Montgomery (Episode 255), the host alerts parents to the dark fringes of the internet and a dangerous group, 764, described as a dark web cult with an "indifference" belief that lives and families mean nothing.   The episode features the heartbreaking, public post from Adam and Amanda Tate whose 15-year-old son, Bryce Tate, tragically took his own life after being a victim of sextortion. The host details how these criminals build trust, escalate quickly (the Tate tragedy occurred in just three hours), and use threats of public exposure to manipulate vulnerable children. Beyond sextortion, the episode warns about extreme acts of self-harm, pet-killing, and even violence against family members being coerced for things as trivial as Roblox Robux.   The host emphasizes that parental awareness is the only defense. He strongly recommends using a parental monitoring software like Bark (about $15/month) to monitor online chats, text messages, and social media, allowing parents to get immediate alerts and intervene before tragedy strikes. This is a passionate call to action for fathers to educate themselves, have ongoing, fruitful conversations, and protect their children's lives.   TIMELINE SUMMARY   [0:00] Introduction [1:47] Episode disclaimer for parents [2:22] Alerting parents to the "massive threat" in games like Roblox and Minecraft [3:35] How innocent games can be tampered with and made evil [3:59] Introducing the Sean Ryan Show and the interview with Ryan Montgomery [4:37] Episode 255 of The Sean Ryan Show: "Roblox and Minecraft. Hacker exposes the largest online video games." [5:22] Warning: Roblox is not safe; introduction to the online group 764 [6:07] The 764 group's belief in indifference and not caring about the welfare of children [6:51] Sharing the story of Bryce Tate (15) and his parents, Adam and Amanda Tate [8:57] The discovery: Bryce was a victim of sextortion—a serious and growing threat  [9:49] The extortion phase: demanding $500 and threatening to share photos.  [10:22] Bryce, believing his world was destroyed, was manipulated into taking his own life [11:11] The rapid timeline: the first message to the final tragic act occurred in just three hours [12:02] Episode recommendation: Sean Ryan/Ryan Montgomery interview  [13:13] Discussing extreme acts: forcing a 14-year-old girl to hang herself naked on video [14:08] Forcing kids to tattoo usernames, burn themselves, and kill their pets or parents/siblings on video [15:10] The shocking detail: kids are being coerced for Roblox Robux, not even real money  [16:49] Bark: Parental Monitoring Software [19:11] Call to parents: Make an effort to have ongoing conversations with your kids [19:35] The modern threat: the bully can be in your kid's bedroom, 25 feet away, and you have "no idea" [20:25] Conclusion: The only protection our kids have is us; a passionate final call to action.   5 KEY TAKEAWAYS   The Threat is Real and Sinister Online platforms like Roblox and Minecraft are being exploited by a large, sadistic group (764) on the dark web that preys on vulnerable children, escalating from sextortion to coercing extreme acts of self-harm and violence for Robux or recognition. Speed is Critical—Intervention Must Be Immediate. The sextortion process is incredibly fast. A child can be manipulated into a catastrophic decision in as little as three to six hours, as seen in the Bryce Tate tragedy, highlighting the crucial need for immediate digital awareness and monitoring. The Stakes Are Life and Death. These criminals are professionals who exploit children's innocence and sense of shame, often leading victims to take their own lives. The host argues this is a heinous crime, describing the acts as being "murdered... through his phone".  Awareness is the Only Defense. Parents cannot protect their children unless they know what is happening. The host urges parents to research the topic (especially the Sean Ryan Show interview with Ryan Montgomery) to understand the depth of the technological and psychological infiltration. Protect Your Kids with Technology and Ongoing Conversation. While open, ongoing conversations are vital, parental monitoring tools like Bark are essential for a safety net. Bark monitors 30+ apps and texts, sending immediate alerts to parents, allowing intervention within minutes to stop a fast-moving threat.   LINKS Podcast Shownotes: https://thedadedge.com/1409 Bark: Parental Monitoring Software: https://thedadedge.com/bark #255 Ryan Montgomery - Roblox & Minecraft: Hacker Exposes the Largest Online Video Games: https://open.spotify.com/episode/2GPd36fFPuLsBSlZp6WUvc?si=7BfOCdNOTzuoW4LkvHzyAA #JusticeforBryce - Adam Tate's Official Announcement: https://www.facebook.com/story.php?story_fbid=32876961955250751&id=100000911118224&mibextid=wwXIfr&rdid=nnmVU8LFIdec2oLO# Pentester: https://pentester.com Ryan Montgomery: https://www.youtube.com/@0dayCTF

Welcome back to Fantasy Focus! Daniel Dopp, Field Yates, and Stephania Bell are here to recap all the action from week 13. Can Bijan Robinson make a push for RB1 on the year? What is going on with Bears WR Rome Odunze? Is Rashee Rice the best WR to have in fantasy right now? Plus, the crew previews the Monday Night football matchup with the New York Giants taking on the New England Patriots. (00:00) - Intro and Welcome In (06:20) - Monday Morning Blitz! (25:20) - Main Takeaways Week 13 (49:50) - Notable Injuries (53:45) - Studs & Duds Week 13 (56:15) - MNF Preview Giants/Patriots (1:00:10) - Mailbag Questions! (1:03:35) - Thanks for watching! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Get my free Top Waiver Add at each position here: https://waiverwins.com/Grab The Blueprint here: https://bit.ly/TheFantasyBlueprintEverything You Know About Fantasy Football Just Changed(Data source credits: Player Profiler)Gambling Problem? Call 1-800-GAMBLER or 877-8-HOPENY/text HOPENY (467369) (NY). Help is available for problem gambling. Call (888) 789-7777 or visit ccpg.org (CT). 18+ in most eligible states, but age varies by jurisdiction. Eligibility restrictions apply. Void where prohibited. See terms at draftkings.com. Sponsored by DK.

We just lowered the prices on all of our packages, and promo code 'GURU' gets you an extra 15% off of our already discounted 50% off price tag. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fantasypoints.com/plans#⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠/ Week 13 delivered one of the wildest slates of the entire fantasy football season, and Theo Gremminger is here with your Top 10 Takeaways, instant reactions, and every MUST-KNOW breaking development heading into the fantasy playoffs. We start in Kansas City, where Rashee Rice officially planted his flag as a league winner with a monstrous 37.5 percent target share and a career-best 29.4 PPR points. From there, Theo breaks down Chicago's shocking road statement as D'Andre Swift and Kyle Monangai both shred Philadelphia for 100-plus rushing yards, exposing major cracks in a once-elite run defense. Bucky Irving flashes, Benson and Hampton disappoint, and Davante Adams continues his march toward history with his seventh double-digit touchdown season. Theo also dives into the Carolina backfield chaos (is the Rico Dowdle breakout stalling?), CeeDee Lamb's big rebound, and the Jameson Williams rollercoaster as Detroit braces for life without Amon-Ra St. Brown and Sam LaPorta. We hit Lamar Jackson's ongoing collapse, Joe Burrow's sharp return, and the fascinating Marvin Harrison Jr. vs. Garrett Wilson usage battle. Brock Bowers reminds everyone he's still him, and Justin Herbert's hand surgery opens the door for a potential Trey Lance pickup that could swing playoff matchups. If you're pushing for a title, this is the episode you cannot afford to miss. Locked-in analysis, data-backed context, and actionable advice — all here in your Week 13 Fantasy Football Breakdown. Where to find us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://twitter.com/TheOGFantasy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://twitter.com/FantasyPts ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the Discord here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fantasypoints.com/media/discord#/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to Fantasy Points for FREE: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fantasypoints.com/plans#/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Podcast Transcription Here: ⁠⁠ Fantasy Points Website - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fantasypoints.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ NEW! Data Suite - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://data.fantasypoints.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/FantasyPts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/FantasyPts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/FantasyPts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@fantasypts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ #FantasyFootball #2025Rankings #FantasyFootballAdvice #NFL #FantasyFootball #WaiverWire #Week7 #FantasyFootball2025 #FantasyPoints #NFLFantasy #FantasyAdvice #Sleepers #WaiverPickup Learn more about your ad choices. Visit megaphone.fm/adchoices

Thinking about a BBL revision or a BBL redo? In this episode, Dr. Stan breaks down the real first steps you need to take — from choosing the right surgeon to managing expectations for asymmetry, goals, and realistic outcomes.A BBL revision isn't a simple surgery — it requires expertise, strategy, and honesty. If you're considering a second round, a reduction, or you feel like your original results didn't turn out how you expected… this conversation is for you.

In this episode, I sit down with brand and content strategist Dawson Gibbs, founder of EVO Marketing Agency, one of the fastest-growing content agencies in the country. We dive deep into what it really takes to build a powerful personal brand, how to rebrand intentionally, and why most entrepreneurs fail on social media long before their business ever gets a chance to grow. We break down practical content strategies, posting frameworks, and the mindset required to stay consistent long enough to succeed. Dawson shares how he scaled his agency, why authenticity always beats over-edited content, and the systems his team uses to create thousands of pieces of content for brands every month. If you're an entrepreneur trying to grow your influence, build attention, and scale your business through content, this episode is mandatory. About Dawson Gibbs: Dawson Gibbs is a brand and content strategist and the founder of EVO Marketing Agency, one of the fastest-growing creative and performance agencies in the industry. Dawson built his company by combining high-volume organic content production, influencer partnerships, and paid ad optimization to help brands scale attention and revenue. EVO works with startups, creators, and multi-billion-dollar companies, producing thousands of pieces of content monthly and running campaigns that guarantee view volume and performance. Dawson is known for his transparent approach, fast execution, and proven systems for helping entrepreneurs build personal brands that convert. Instagram: https://instagram.com/evodawsonTikTok: https://tiktok.com/@evodawsonYouTube: https://youtube.com/@dawsongibbsEVO Marketing Agency IG: https://instagram.com/evomarketingagencyEVO Marketing Agency TikTok: https://tiktok.com/@evomarketingagency About Justin: After investing in real estate for over 18 years and almost 3000 deals done, Justin has created a business that generates 7 figures in active income through wholesaling and fix and flipping as well as accumulating millions of dollars of rental properties including 5 apartment buildings, 50+ single family homes, and 1 storage facility Justins longevity in real estate is due to his ability to look around the corners, adapt to changing markets, perfecting Raising private capital, and focusing on lead generation which allows him to not just wholesale and fix & flip, but also accumulate wealth through long term holds. His success in real estate led him to start The Entrepreneur DNA podcast and The Science Of Flipping podcast and education company, and REI LIVE where he's actively doing deals with members. He has coached and mentored thousands of aspiring and active investors over the last decade. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tariffs are dominating headlines — but what do they really mean for taxes, Washington, and your clients' retirement plans?In this episode of The Complete Advisor, Dennis Mattern sits down with Becky Swansburg, CEO of Stonewood Financial and Washington insider, to break down the truth: tariffs won't fix America's tax problems, and demographic pressures—not politics—are driving the future of taxation.Becky explains how tariffs actually function, why they rarely offset income taxes, and why rising legislative risk is one of the most overlooked threats to retirement planning today. She also reveals why NOW is a rare low-tax window for conversions and tax repositioning—and how savvy advisors can help clients regain control before the next wave of tax changes hits.If you serve retirees or pre-retirees, this is an episode you can't afford to skip.✅ Top 3 Takeaways for Advisors1. Demographics—not politics—are driving America's revenue crisis, meaning tariffs won't prevent future tax increases.2. Taxes must be treated as a “risk class” in every plan, equal to market risk and income risk.3. Advisors have a short window right now—thanks to OBA tax brackets and current legislative structure—to reposition assets and protect clients from future tax hikes.

Under this powerful cold super moon of December 4th 2025, I psychic Debbie Griggs tune into the global energy to reveal the major shifts ahead- both blessings and warnings. This full moon Nov.4th opens doorways of truth, exposing what is rising in weather patterns, world events, leadership changes, financial shifts and personal transformation. In this transmission, I, Psychic Debbie share mine and spirits insights , messages and spiritual guidance that was shown to me for not only this full moon but beyond. Lets explore what this full moon wants to share with you. REMEMBER DEBBIE IS NOT A DR OR A FINANCIAL ADVISOR. If you enjoyed this video and would like to make a donation, please use the following link. Thank You. https://psychicdebbie.com/donations/ ENTERTAINMENT ONLY Debbie's Links= https://linktr.ee/psychicdebbiegriggs email= photopsychicdebbie@gmail.com email= ghosthuntinggrandmas@gmail.com Timberwolf documentary DVD: https://ebay.us/m/zGs02C Debbie's P.O. Box: P.O. Box 5882, Oxnard, CA 93031, or for street addressing: 1961 N. C Street, #5882, Oxnard, CA 93031

Audio roundup of selected biopharma industry content from Scrip over the business week ended November 28, 2025. In this episode: 2027 Medicare price cuts likely not as large as CMS estimates; Zai Lab leads DLL3 lung cancer ADC race; Phase II failure for J&J's Alzheimer's asset posdinemab; Bayer's positive Phase III data for asundexian in stroke; and Pfizer/Astellas's Padcev's first big win in bladder cancer study. Story links: https://insights.citeline.com/scrip/podcasts/scrips-five-must-know-things/quick-listen-scrips-five-must-know-things-R4RCDF2RXVGVHPEX2WQ7A3JVKU/ This episode was produced with the help of AI text-to-voice and voice emulation tools. Playlist: soundcloud.com/citelinesounds/sets/scrips-five-must-know-things

Hi everyone, and welcome back to Home Design Chat with Nancy! I hope this is not the first time you are listening to my podcasts but if it is you will learn  all about your home…how to plan, design and execute your remodel and much more. my passion is about design and to educate….that's my reason for doing this podcast every week.Today's episode is all about giving you design inspiration and helping you decorate safely. We're going to cover what's trending in Christmas décor for 2025, what colors and materials designers are loving this year, and the safest way to create a beautiful holiday home without setting off the smoke alarm.If you want a holiday home that looks magical but is still safe for kids, pets, and your peace of mind, stay with me — this is your guide to safe and stylish decorating this Christmas.Check your lights before you use them to decorateDon't overload your outletsSafe decorating for outdoorsReal tree vs artificial treeCandles - the #1 hazardNow for the fun stuff:Warm Luxe meets WhimsyColor trends in decorating for the holidaysThe holiday metallic colorPastel colors for ChristmasBows everywhereTexture and more textureHandmade decorThe ambient glowMultiple treesI hope today's episode gave you a mix of inspiration and practical ideas to make your home look beautiful and stay safe this Christmas. Decorating should be fun — and with a little thoughtfulness, it can be magical without becoming dangerous.If you have questions,  please send them to Nancy@NancyHugo.comBy the way, you can send me an email at Nancy@nancyhugo.com to get on my email list for DesignersCircleHQ.com. All the podcasts are posted there as well as Design Trends, Design News and more.  DesignersCirclehq.com is a website!If you want to learn more about me, go to NancyHugo.com This podcast is sponsored by ⁠⁠Monogram.com

Are you getting a Cavoodle puppy soon or are they already home? If so, this is the episode I wish EVERY new Cavoodle parent could hear when getting a Cavoodle puppy! We dive into the critical socialisation period, what your puppy is really thinking when they arrive in your home, why “naughty” behaviour isn't actually naughty, and the common mistakes that quietly sabotage training and create anxiety. In this episode, you'll learn: How young your Cavoodle really is at 8 weeks and why expectations need to match their actual development What the critical socialisation period is (3–12 weeks) and how it shapes your Cavoodle's confidence for life What your puppy is thinking when they step into your home and why trust comes before training The real reasons behind ‘naughty' puppy behaviour How Cavoodles naturally communicate and why biting, barking and jumping are actually messages, not “bad behaviour” The most common mistakes new families make that hinders their training progress Why your breeder choice matters more than colour, coat or size What lifestyle training actually looks like and how it helps your puppy complement your lifestyle instead of complicating it How the Cavoodle Training Academy gives you 28 days of done-for-you daily schedules, socialisation plans, and Q&A support so you don't have to figure this all out alone By the end of the episode, you'll understand exactly what your puppy needs from you in those first few weeks - and how to set them up for a calm, confident, well-adjusted life with your family! Enjoy ☺️

We talk with Scott Mitchell from Mitchell's Realty about multiple-offer situations, you usually get one shot. No second chances. Your offer must be your strongest from the start. Make sure your finance is fully pre-approved, avoid “subject to sale” if possible, and line up your own property's contract first so your offer stands clean and strong. https://www.mitchellsrealty.com.au/  ► Record A Message  https://www.speakpipe.com/realestateradio ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com    The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour. #PropertyInvestment #RealEstateInvesting #FirstTimeInvestor #PropertyManagement #RentalYields #CapitalGrowth #RealEstateFinance #InvestorAdvice #PropertyPortfolio #RealEstateStrategies  #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty  #adelaideproperty #canberraproperty #PerthRealEstate #hobartproperty  #RealEstate  #RealEstateNews #MortgageTips #PropertyMarket #FinanceAustralia #BrisbaneInvesting   #RealEstateDevelopment #adelaide #PerthRealEstate #FirstHomeBuyer #AustralianProperty #AustralianRealEstate #PropertyMarketUpdate #MortgageAustralia #FinanceTips #HousingAffordability #RealEstateTrends #AussieProperty  #MortgageRates #HomeLoans  #PropertyMarket #MortgageTips #InterestRates  #BrisbaneProperty #QLDRealEstate #PropertyInvestment #AustralianHousingMarket #AdelaideProperty #AdelaideRealEstate #InvestInAdelaide #SouthAustraliaProperty #AustralianRealEstate #HousingTrends#MelbourneHousing #MelbourneInvestment  #MelbourneMarket  #PropertyInvestment #RealEstateTips #WealthBuilding #InvestmentStrategy #HomeBuying #AustralianProperty #RealEstateAdvice #SmartInvesting #UnitPricesPerth   #SydneyProperty #SydneyRealEstate #SydneyAuctions #PropertyMarketUpdate #RealEstateNews #AustralianProperty #PropertyInvesting #AuctionResults #HousingMarket2025 #RealEstateAustralia #PropertyTrends #NSWProperty #HomeBuyersAustralia  

Identity verification is the legal process of confirming that a person or organisation is who they say they are. It helps prevent fraud, tax evasion, money laundering, terrorist financing, and abuse of financial systems. Businesses must prove that clients are legitimate before providing services — especially when risk is higher. When Identity Checks Are Required When onboarding new clientsIf risk levels change or suspicious activity appearsBefore offering regulated professional servicesWhen payment behaviour or ownership suddenly changes These checks are not optional. Failure to verify identity can lead to penalties, account freezes, investigations, reputational damage, and criminal consequences. Acceptable Proof of ID & Address Proof isn't just a name written in an email — it must be documented. Typical verification includes: Passport or driving licenceRecent utility bill or council tax statementBank statements showing address In some cases, enhanced checks (E-KYC) are required — such as source of funds, ownership structure, or AML screening. Risk-Based Assessment Matters Not all clients have the same level of risk. Businesses should apply stronger verification when: Clients operate internationallyPayments vary unexpectedlyLarge or unusual transactions occurClients come from high-risk industries Good record-keeping protects you. Compliance is not just a legal obligation — it's a financial safeguard. Record Keeping Requirements Keep ID documents securely for a minimum of five years. Store clean digital audit trails in accounting systems, encrypted drives, or secure cloud platforms. Never hold data informally in WhatsApp chats or desktop folders. Consequences of Getting It Wrong If identity verification fails or is ignored, businesses risk: HMRC penaltiesFinancial loss from unpaid invoicesRegulatory investigationPermanent reputation damage Preventing risk is cheaper than fixing mistakes later. Episode Timecodes 00:00:00— Why identity verification matters00:01:32— When checks are legally required00:03:18— What documents are acceptable00:05:02— Red flags & high-risk scenarios00:06:44— Compliance tips for business00:09:11— Final thoughts

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The 2026 Social Media Trend Report just dropped, and the data is game-changing. In this episode of The Weekly Scroll, I break down the most important shifts happening in the creator economy — including how brands plan to work with influencers, how AI will impact content creation, the future of short-form video, UGC hiring trends, and the Instagram features rolling out next. You'll learn: • The biggest takeaways from the 2026 Social Media Trend Report • Why long-term brand partnerships will replace one-off deals • The right way to use AI without replacing creativity • How to scale UGC in 2026 and why brands want it • Why short-form is evolving (and what Instagram will push next) • Meta + Instagram updates every creator must know • TikTok's newest wellness + AI transparency features • Facebook + YouTube + X updates quietly changing the industry Whether you're a creator, marketer, business owner, or agency — this episode will help you stay ahead of the algorithm, ahead of the tools, and ahead of what's coming next. This episode is powered by Club Enfluence — your weekly source for Reels ideas, trending audio, post templates + scroll-breaking content strategy. Stay consistent without wasting hours researching trends. If you want the inside scoop without reading a dozen news sites, this is your shortcut. ✨ Brought to you by Club Enfluence — the membership creators are obsessed with for weekly viral Reels ideas, templates, hooks, and trends.

From diaspora dreams to land disputes: Why Ghana's real estate market creates millionaires and bankrupts dreamers - and the brutal truth about buying property in Africa's hottest investment destination. In this explosive episode of Konnected Minds, two battle-tested real estate experts dismantle the fantasy keeping diaspora Africans broke and locals trapped in rental cycles. This isn't motivational property talk - it's a systematic breakdown of why the average Ghanaian earning 800 cedis monthly can still own property, why land ownership without proper testing is financial suicide, and why the smartest investors are pooling resources instead of chasing individual ownership dreams that take 15 years to materialize. Chapters 00:00:00 Introduction: Real Estate Success and Failures in Ghana 00:03:43 The First Step: Why Land Ownership Matters 00:05:28 Luxury Apartments vs Land: The Great Debate Begins 00:13:35 The Partnership Strategy: Pooling Resources to Own Property 00:24:55 The Mindset Problem: Why Ghanaians Struggle to Start 00:19:21 Making Money in Ghana: The Reality Check 00:40:58 Land Documentation Deep Dive: What You Must Know 00:11:27 The Testing Process: How to Verify Land Before Buying 00:43:49 Court Cases and Land Disputes: The Harsh Reality 01:05:31 The Future of Real Estate in Ghana and Where to Invest Now Guests: Rush Asare YT: https://www.youtube.com/@rushasare Cwesi Oteng Desmond YT: https://www.youtube.com/@CODREALTYPROPERTIES Host: Derrick Abaitey IG: https://www.instagram.com/derrick.abaitey YT: https://www.youtube.com/@DerrickAbaitey Join Konnected Academy: https://konnectedacademy.com/ Listen to the podcast on: Apple Podcast - http://tinyurl.com/4ttwbdxe Spotify - http://tinyurl.com/3he8hjfp Join this channel: /@konnectedminds FOLLOW ► https://linktr.ee/konnectedminds #Podcast #businesspodcast #AfricanPodcast

In This Episode In this episode of Breaking Banks, hosts Jason Henrichs, Brett King and JP Nicols delve into the transformative impact of AI and technology on the banking industry, and share insights on what institutions must do to not only survive, but thrive as AI rewrites playbooks. The conversation covers the role of stablecoins, agentic AI, the future of smart contracts, smarter digital infrastructure, and how accelerated innovation cycles are reshaping the global financial system. They explore the structural changes they see coming and the potential of AI in automating cross-border transactions and business banking platforms, while discussing challenges and opportunities for larger and smaller banks in adapting to new systems of trade. How best for bankers to get ready for this transition? All banks, regardless of size, need to get their data house in order, ensuring better access to their data and data capabilities, and need to assess their cultural agility. The banking industry is entering a new era where data fluency, cultural adaptability and use of available AI tools and AI-driven automation will define the competitive frontier and spark innovation. As the hosts remind us, “Adapt or be left behind.” Listen now to hear how leaders across banking and fintech can navigate the shift and prepare for what comes next.

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Investing can spiral out of control without a solid strategy. Kris Krohn reveals the three non-negotiable rules he applies to every investment to ensure consistent growth and high returns. Whether you're a beginner or an experienced investor, these core principles will help you make smarter decisions and avoid costly mistakes.

Every business initially starts as a dream and it's really easy to get excited by a dream .. until you run the numbers. Invest in yourself today: https://www.alux.app We put together a FREE Reading List of the 100 Books that helped us get rich: https://www.alux.com/100books

In this episode of the HVAC Know It All Business Edition Podcast, co-hosts Gary McCreadie and Furman Haynes discuss the foundational steps of starting your own HVAC business with Robin Henry, Owner of Pinnacle Building Performance and Ian Schotanus, The HR Guy and Co-owner of The Big Picture Consulting. From forming an LLC to hiring your first employee and handling subcontractors, the conversation focuses on the gritty, real-world decisions entrepreneurs must make. The episode features firsthand accounts from Robin Henry and Ian Schotanus, delivering both practical and legal perspectives on launching and scaling an HVAC business.   Expect to Learn: The real-life journey of launching an HVAC business from scratch. Legal and tax differences between sole proprietorship, LLC, and S Corp. When and how to hire your first employee or consider using subcontractors. Practical field decisions like truck outfitting, insurance, and storage options. How administrative responsibilities grow and how to manage them efficiently. Timestamps: [00:00:00] - Introduction & Why Start an HVAC Business [00:03:37] - Legal & Tax Steps for Starting Out [00:05:51] - Risk Management & Insurance Must-Haves [00:08:45] - Field Startup Essentials: Tools, Truck, and Branding [00:12:08] - Storage Solutions & Work-Life Separation [00:16:26] - Navigating Local Licences and Utility Rebates [00:18:55] - Hiring Your First Employee vs. Using Subs Follow Guest Robin Henry on:  LinkedIn: https://www.linkedin.com/in/robin-henry-3a460482 Facebook: https://www.instagram.com/pinnaclebuildingperformance/?hl=en Instagram: https://www.instagram.com/workhero__ Company's Linkedin: https://www.linkedin.com/company/pinnaclebp Company's Website: https://www.pinnaclebuildingperformance.com/about-us/   Follow Guest Ian Schotanus on:  Company's LinkedIn:  https://www.linkedin.com/company/the-big-picture-consulting Company's Website: https://thebigpictureconsulting.com/about-us Company's Instagram: https://www.instagram.com/thebigpictureconsulting/   Follow the Hosts: Follow Furman Haynes on:  LinkedIn:  https://www.linkedin.com/company/workherohvac/ Facebook: https://www.facebook.com/p/WorkHero-61562122449748/ Instagram: https://www.instagram.com/workhero__    Follow Gary McCreadie on: LinkedIn: https://www.linkedin.com/in/gary-mccreadie-38217a77/  Website: https://www.hvacknowitall.com  Facebook: https://www.facebook.com/people/HVAC-Know-It-All-2/61569643061429/   Instagram: https://www.instagram.com/hvacknowitall1/   

When your ability to earn is one of your greatest assets, understanding how to protect it becomes essential. In this eye-opening conversation, Dr. Felecia Froe sits down with long-term disability attorney Benjamin Glass to unravel the most misunderstood yet critically important part of a physician's financial foundation: disability insurance. Benjamin brings 42 years of experience helping professionals navigate denied claims, identify policy gaps, and rethink how disability protection plays into their long-term wealth strategy.    From the dangers of relying solely on employer-provided coverage to real stories of physicians who left millions on the table due to bad advice, this episode highlights why knowing your policy before you need it can be life-changing. Through practical insights and compassionate guidance, Benjamin also reminds listeners that a disability diagnosis doesn't end your purpose, may even open doors to the next chapter of your legacy.   00:00 – Why Disability Insurance Matters for Physicians 04:31 – Group Policies vs. Individual Policies: The Critical Differences 10:46 – Common Mistakes Doctors Make — And the Costly Consequences 17:51 – When and How to File a Claim (And Why Timing Matters) 26:31 – Progressive Illness, Partial Disability & Real-Life Scenarios 34:46 – Purpose, Transition & Protecting Your Freedom Long-Term  

Singapore’s markets are transforming faster than at any time in the past decade. In today’s episode, hosted by Michelle Martin, we unpack MAS and SGX’s sweeping reforms and take a closer look at the Fullerton Singapore Value-Up (FSGV), the first retail fund under the Equity Market Development Programme (EQDP), Fullerton’s Shawn Ang joins us to discuss what you'd be investing in with this fund and what benchmark it aims to beat. We explore overlooked mid- and small-cap opportunities in Singapore and how markets have reacted so far. See omnystudio.com/listener for privacy information.

The world is in a tailspin and the darkness seems to be getting darker. Now more than ever represents the most critical time in human history and spiritual warfare is at an all-time high. So many people are listening to the lies of the enemy and abandoning the mindset of gratitude and as a result, destruction is coming in ways we never thought possible. With all of this in front of us, there is something we must understand. If there is any hope of fixing this problem, it will be found right here.

Audio roundup of selected biopharma industry content from Scrip over the business week ended November 21, 2025. In this episode: obesity beyond GLP-1s; biotech leaders bullish as M&A heats up; BMS's milvexian setback; clinicians on evolution of MASH treatment; and Japan H1 results mixed. Story links: https://insights.citeline.com/scrip/podcasts/scrips-five-must-know-things/quick-listen-scrips-five-must-know-things-MXUR6OEDNNAEPPTTZ4YZKH55SU/ This episode was produced with the help of AI text-to-voice and voice emulation tools. Playlist: soundcloud.com/citelinesounds/sets/scrips-five-must-know-things

Lasers are everywhere — but not all lasers are created equal. In this episode, we unpack the 10 Essentials chiropractors should understand before choosing a laser system. From coherence and wavelengths to dosing, diodes, and workflow integration, we cover the real differences that impact patient outcomes and clinic revenue during this conversation with Blue Honest founder Dr. Doug Wine. Special Offers for Listeners: Save $2,500 on the Pro VX from Blue Honest using the code CHIROEB1 hereSave $500 and Get a Free Cart- Learn more at Shockwave Center of America Today!Leander Tables- Save $1,000 on the Series 950 Table using the code EBC2025 — their most advanced flexion-distraction tablePatient Pilot by The Smart Chiropractor is the fastest, easiest to generate weekly patient reactivations on autopilot…without spending any money on advertising. Click here to schedule a call with our team.Our members use research to GROW their practice. Are you interested in increasing your referrals? Discover the best chiropractic marketing you aren't currently using right here!

Director of Media Relations Becky Bergman joins Jennifer Simpson Carr to discuss how PR and media strategy are evolving in the era of AI. From newsroom changes to AI-driven research, they explore what law firms must do to strengthen visibility, credibility, and discoverability. Becky shares actionable steps firms can take this week to future-proof their media strategy.

In this episode, we sit down with Dr. Rodrigo Gallardo, poultry veterinarian from UC Davis, to unpack the critical connection between biosecurity and the prevention of Avian Influenza (AI) — a highly contagious and potentially devastating disease for all chickens and gamefowl breeders and their bloodlines. Whether you're a breeder or raiser, understanding how AI spreads and how to block it at the source is essential. We explore the differences between Low Pathogenic (LPAI) and Highly Pathogenic (HPAI) strains, the role of wild birds in transmission, and the economic and animal welfare impacts of outbreaks. You'll learn: How Avian Influenza is transmitted—and how quickly it can spread The early warning signs of AI in chickens What biosecurity really means and how to implement it effectively Why vaccination isn't a universal solution (and when it might be used) Key biosecurity practices every breeder should follow—regardless of flock size The role of veterinarians in disease surveillance, outbreak response, and long-term prevention Whether you're an experienced breeder or a first-time chicken keeper, this conversation offers practical advice and up-to-date insight to help you keep your birds — and your farm — safe from disease. #AvianInfluenza #Biosecurity #PoultryHealth #GamefowlBreeding #ChickenBreeders #HPAI #LPAI #BackyardChickens #PoultryVeterinaryCare #DiseasePrevention #FarmBiosecurity #UCDAvisPoultry Join us on Bred to Perfection Live, Friday's at 6pm PST or 9pm EST on YouTube, as we discuss the benefits of creating your own strain. See ya there! Kenny Troiano Founder of "The Breeders Academy"  We specialize in breeding, and breeding related topics. This includes proper selection practices and the use of proven breeding programs. It is our mission to provide our followers and members a greater understanding of poultry breeding, poultry genetics, poultry health care and disease prevention, and how to improve the production and performance ability of your fowl.  If you are interested in creating a strain, or improving your established strain, you are in the right place.  We also want to encourage you to join us at the Breeders Academy, where we will not only help you increase your knowledge of breeding and advance your skills as a breeder, but improve the quality and performance of your fowl. If you would like to learn more, go to: https://www.breedersacademy.com

If you are planning a Walt Disney World trip for the 2025 holiday season, this episode answers the most common listener questions we are getting right now. Matt and Chip break down the newest changes at Bibbidi Bobbidi Boutique, how to plan park days around Christmas parties, whether MultiPass is still worth it during holiday hours, the best free Christmas activities for families, what crowds look like the week between Christmas and New Years, and how to prepare for Florida's unpredictable winter weather.   If you want real, practical advice from two dads who do this every week, this is the episode to watch.   In today's episode, you will learn:   The new changes at Bibbidi Bobbidi Boutique   What Disney removed, what the new packages include, and whether the experience is still worth it for girl dads in 2026.   Disney World holiday strategy that saves your sanity   How to plan around Mickey's Very Merry Christmas Party and Jollywood Nights, which days have the lowest wait times, and how to avoid the biggest holiday mistakes.   Why Premier Pass is selling out at four hundred twenty nine dollars   What that price spike really means for families and the future of line skipping in the parks.   The honest truth about Epic Universe   Why wait times are out of control, why Express Pass is becoming essential, and the simple mistake that ruins most first time visits.   The best free Christmas activities at Disney World   Resort decorations, gingerbread houses, the Disney Springs Christmas Tree Stroll, and how to meet Santa without a park ticket.   How to prepare for Florida winter weather   The temperature swings that surprise most families, what to pack, and the simple trick that prevents an emergency trip to Disney Springs for clothes.   Listener questions answered   Holiday crowds, MultiPass during party days, Christmas week warnings, and more.   If you want real, practical, family centered Disney and Universal planning advice without the gimmicks, this is your episode.   Chapters 01:05 What changed at Bibbidi Bobbidi Boutique in 2026 04:20 Is Bibbidi Bobbidi Boutique still worth it 09:00 Disney Cruise Line updates and discounts 12:45 Epic Universe warning Should families visit without Express Pass 15:55 Why is Premier Pass selling out Is it worth the price 20:40 Listener Question How to plan park days during Christmas party season 24:50 Listener Question Mickey's Very Merry Christmas Party vs Jollywood Nights 28:55 Listener Question The best free holiday activities at Disney 34:20 Listener Question Is Christmas week really that crowded 38:35 Listener Question How to handle Florida winter weather swings 42:20 Final thoughts and trip planning tips   Helpful Links   Get a free Disney or Universal vacation quote! Your trip deserves expert planning and it costs you nothing. ➡️ https://www.adventuresofadisneydad.com/get-a-quote   Read the latest Disney planning guides ➡️ https://www.adventuresofadisneydad.com/   Join the newsletter for weekly tips and deals ➡️ https://www.adventuresofadisneydad.com/

Foreign-flagged vessels calling at U.S. ports now face a significant new operational challenge: the Department of Homeland Security has implemented a $1,000 immigration parole fee, effective 16 October 2025, for any non-exempt alien who is paroled into the United States. This includes vessel crew members requiring medical treatment under certain circumstances. In this episode, ShorelineHudson's Global Policy Advisor Andrew Baskin sits down with our Head of Claims Deborah Stabile to unpack what the new fee means in practice, why parole is now being denied in some cases, and what shipowners must do to protect their crews, avoid unnecessary delays, and stay compliant when trading to the United States.

Get the latest fantasy football injury report for Week 12, just in time for your Friday lineup decisions. Stay up-to-date on the latest injury news and updates to help you make informed decisions and gain an edge over your competition. From questionable designations to confirmed outages, we've got you covered with the most recent information on injured players and their expected return to play. Whether you're a seasoned fantasy football veteran or a newcomer to the game, this Week 12 injury report is a must-watch to ensure you're making the best possible lineup choices. Tune in now and set your lineup with confidence.Follow Alex the 420 Fantasy Hustler on all platforms!

Play audio-only episode | Play video episode | Play on YouTube | Play on Spotify Click above to play either the audio-only episode or video episode in a new window. Episode Summary The eighth edition of the PMBOK Guide has dropped and it represents another significant evolutions in PMI's standards. This conversation takes listeners directly inside its development. Jesse Fewell, who chaired the PMBOK Guide 8 effort, offers a detailed look at how tens of thousands of data points, practitioner feedback, and extensive review cycles shaped the newest edition. He explains how the standard brings greater clarity, a more intuitive structure, and practical guidance that aligns with the way projects actually unfold rather than how we might idealize them on paper. This episode also highlights major updates, including a fully revised definition of a project and a modernized view of project success that emphasizes value, perception, and consensus across stakeholders, even when budgets or schedules are challenged.

Get 40% off at Little Things Studio - SHOP NOW  What if I told you burnout isn't about your calendar? It's not. That bone-deep weariness—the kind that sleep doesn't touch—doesn't come from doing too much. It comes from doing too little of what actually matters. The problem isn't your schedule; it's your soul running on fumes. We've been told the story that burnout is all about overcommitting, overachieving, and overdoing. And sure, sometimes that's part of it. But for most of us—the givers, the helpers, the women holding everything together—burnout isn't about piling on more. It's about what we've cut out. We've quietly deleted the very things that restore us. You can perfect your morning routine, turn off every notification, and still feel empty. Because burnout isn't about how busy your days are—it's about how fulfilled your heart is. And here's the good news: you don't have to stay stuck in depletion. Today, we're going to talk about how to reclaim what fuels you, reset your rhythm, and start living from a place of fullness instead of running on empty.   Timestamps: (00:39) - The Surprising Truth: Your Burnout Has Nothing to Do with Your Calendar (03:27) - Why Doing Less of What You Love Might Be Draining You (05:13) - The 3 Hidden Sources of Burnout You Don't See Coming (07:58) - Soul Neglect & Overcarrying Leads to Emotional Exhaustion (12:06) - 3 Practical Steps to Move from Burnout to Real Alignment   WATCH ALLI  ON YOUTUBE   Links to great things we discussed:    Catalyst Mastermind Alli's Product Recommendation - Apple AirTags Start your Free 30-day trial of Uplift! Get 40% off at Little Things Studio - SHOP NOW  I am proud to co-own Little Things Studio, a wonderful woman-owned small business in Nashville, TN. We create each piece with great care and can't wait for you to experience the love that goes into every item. Whether you visit our store or shop online, you'll find that all our products are crafted with love right here in the USA.   I hope you loved this episode!

EPISODE DESCRIPTION – Historical fiction writers often ask: “Can I just make stuff up?” In this episode, Zena Dell Lowe explains the balance between staying true to history and using creative license to craft compelling stories. She covers examples from fiction and media adaptations, giving you actionable insights to write stories that feel authentic while keeping readers engaged.Watch this episode on YouTube Free Video Tutorial for ScreenwritingThe Storyteller's Mission Podcast is now on YouTube.  Subscribe to our channel and never miss a new episode or announcement.Sign up for The Storyteller's Digest, my exclusive bi-monthly newsletter for writers and storytellers. Each edition delivers an insightful article or practical writing tip straight from me, designed to help you master your craft and tell compelling stories.Support the Show!Contact us for anything else!Send us a textSupport the show

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AI isn't a future trend — it's the new infrastructure of real estate. From AI listing search inside ChatGPT… to virtual staging… to deepfake scams… to accuracy issues… the industry has changed FAST. In Episode 393, Jan and Matt break down AI & Real Estate 2.0 — what's evolved, what matters, and what agents MUST adapt to immediately. In this episode you'll learn: ✔ Why your clients are consulting AI before they talk to you ✔ Zillow's integration inside ChatGPT and what it means for agents ✔ The rise of AI-generated visuals — and the legal disclosures you now need ✔ How to batch real estate content the smart + ethical way ✔ New AI-driven risks: fake listings, voice cloning scams, deepfake video fraud ✔ Why "verifying AI outputs" is now a required agent skill ✔ The legal red line: using AI for contract language ✔ How to position yourself as the trusted interpreter in the AI era AI isn't replacing agents — it's elevating the ones who adapt. Let's dive in. Find our show notes at https://www.wbnlpodcast.com

This week on The Wellness Way we invite back the incredible Dr Tina Peers. Philly and Dr Peers sit down for a straight talking conversation about hormone replacement therapy (HRT) why it is transforming the lives of women and what the latest news about the removal of the black box warning means for those considering treatment. They explore the importance of informed choice, the real benefits women should know about and the wider impact hormones have on energy, mood, immunity and long term wellbeing.Dr Peers will also be a keynote speaker at The Health Hub, centred on detoxing and mainly thriving in the post covid era only at the College of Naturopathic Medicine on the 27th of November. Join us for vital insights and natural strategies to stay resilient and energised all winter long. Tickets available at www.tinyurl.com/cnmhealthhub Connect with PhillyWebsite: phillyjlay.comSocials: @thewellnesswaypodcastDisclaimerThis podcast is for educational purposes only. Always seek professional advice for any health or legal concerns.

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On today's episode, Prez, Joe and Art discuss money moves in both college football and NFL, which teams to bet against in the NFL, NBA and NHL breakdowns, as well as a slew of free picks for College Football Week 13 and NFL Week 12! 00:00 INTRODUCTION01:36 WHERE'S THE EARLY MONEY GOING NFL WK 1207:46 WHERE'S THE EARLY MONEY GOING CFB WK 1311:00 MUST KNOW NHL TREND THIS SEASON11:40 HANDICAPPING TIPS FOR NHL15:47 PARLAY OF THE DAY17:51 FADE OR NOT? AFC | NFC SOUTH TEAMS38:10 PREZ EARLY NFL WK 12 BET39:26 JOE EARLY NFL WK 12 BET40:16 PREZ EARLY CFB WK 13 BET41:24 JOE'S EARLY CFB WK 13 BET36:15 NBA RUNDOWN42:26 NHL RUNDOWN44:14 NBA RUNDOWN46:22 MAILBAG! VIEWER QUESTIONS50:39 CBB BEST BETS

Most Catholic men have never been told the truth about what happens at baptism. Not the watered-down version. The real thing. Baptism is a confrontation with the kingdom of darkness. It is the moment a soul is ripped from Satan's grip and claimed for Jesus Christ. And in this episode, we open the doors to the old Roman Rite of Baptism, a rite forged in the heart of the Church, saturated with exorcisms, sacred signs, and the unmistakable authority of Christ.Father Dom walks step-by-step through the ancient rite that formed countless saints. A rite Satan despises. A rite packed with commands, renunciations, blessings, confrontations, and symbols that speak clearly: this child no longer belongs to the enemy.We explore the prayers the demons fear. The salt of wisdom. The triple breath of God's own ruach. The spittle of Christ echoing Mark 7. The repeated exorcisms. The renunciation of Satan. The chrism that marks a man forever. The white garment of purity. The candle of vigilance. And the final declaration of peace spoken over a soul newly liberated.This episode challenges every man to stop treating baptism like a family photo-op. Baptism is a battlefield. A transfer of allegiance. A declaration of war against hell.Whether you've been baptized for decades or you've never taken the time to understand what happened to your soul, you need this episode. Because if you don't understand the power of baptism, you will never understand your identity as a Catholic man or the spiritual war you were born into.And if you are not yet baptized, this is your call. Do not wait. Eternity is at stake.Challenge to the Men: Go to Scripture today. Find every passage on baptism. Read them slowly. Pray with them. Then open the Catechism and read the section on baptism. If you are not baptized, or your children are not baptized, act now. Do not delay. This is war.Three Powerful Quotes from the Transcript“Without the Church, I'm a weakling compared to Satan. Without the Church, I'm nothing.”“Baptism is the most ultimate exorcism. It tears a soul out of Satan's kingdom forever.”“Whoever God they belong to, that's my God.”Key Takeaway for MenUnderstand your baptism. Live from it. Because baptism wasn't a cute ceremony. It was your enlistment into Christ's army. Start living like a man who has already declared war on hell.Send us a text Support the showPlease prayerfully consider supporting the podcast on our Buy Me A Coffee page. to help grow the show to reach as many men as possible! Thank you for your prayers and support. Be sure to follow us on X for more great content. As always, please pray for us! We are men who strive daily to be holy, to become saints and we cannot do that without the help of the Holy Ghost! Subscribe to our YouTube page to see our manly and holy faces Check out our website Contact us at themanlycatholic@gmail.com

Novemner 18, 2025:  Today's episode breaks down seven of the most important stories shaping the future of work. We explore why AI adoption is stalling inside organizations—and why companies are turning to internal influencers to drive real behavior change. We look at the surge in "ghost job" postings that are distorting the labor market and frustrating job seekers, and we explore the surprising history of the 40-hour workweek and whether it still makes sense in the age of AI. Next, we dive into brand-new data from Glassdoor's Worklife Trends 2026 report, which reveals rising distrust in leadership, declining career visibility, and how early-career workers are reshaping expectations. We also unpack a Guardian story showing that criticism of Gen Z is nothing new—it's a historical pattern that repeats in every era of disruption. We then examine why Big Tech companies are cutting jobs despite record profits and record AI investment, and we close with an Inc. story about an "AI error" that turned out to be human error—a reminder that the biggest risks of automation come from governance, not algorithms. If you want to understand the signals, trends, and shifts reshaping the future of work, this episode connects all the dots. Future-ready organizations are built, not hoped for. My latest book, -The 8 Laws of Employee Experience shows how. Preorder here: https://bit.ly/8exlaws  

Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the “decumulation” phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies

Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the "decumulation" phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies

Visiting the Statue of Liberty is often at the top of NYC visitors' lists of things to do, and with good reason. The Statue of Liberty and Ellis Island are two deeply important historical monuments that encapsulate a significant portion of New York City's history.But is it worth visiting the actual Statue of Liberty when you come to NYC?We're gonna answer that question and so much more in this article.Here's what we'll cover:Brief History of the Statue of LibertyVisiting the Statue of Liberty – Island Access vs Pedestal vs CrownEllis Island Overview + Hard Hat Tour ReviewCommon Statue of Liberty ScamsCheapest Ways to See the Statue of LibertyLet's look at them all below.

Did you know 65% of America's wealth sits with boomers? Discover why this upends everything you know about the economy—and the mattress business!Ever wondered why some people seem untouched by inflation, while others are barely scraping by? In this episode, Mark Kinsley brings you the most eye-opening moments from Dr. Chris Keel's Sleep Summit 2025 keynote—a session with *rave reviews* for cutting through economic confusion.Dr. Keel reveals the real story behind the K-shaped economic recovery: why the top third of Americans are spending freely (and what that means for mattress and sleep retailers), while the bottom third struggles with credit cards just to pay bills. Find out why marketers are wasting money targeting Gen Z, and why the *real* money is still with boomers—who control a staggering 65% of U.S. wealth.You'll also get the surprising truth about inflation, tariffs, and supply chains, plus the unexpected housing boom in Fargo, North Dakota. Is the future of sleep retail in the Midwest? And why will 1 in 3 American homes have a robot by 2030?Whether you're a retailer, sleep pro, or just want to understand where the economy is really heading, this episode is packed with actionable insights and myth-busting takeaways you won't hear anywhere else.Timestamps:- 01:15 – The secret behind the K-shaped recovery & who's still spending- 04:50 – Why boomers control 65% of U.S. wealth (and why that matters)- 07:20 – How companies really handle tariffs & inflation (surprising tactics)- 10:10 – The truth about oil prices, EVs, and disposable income- 12:30 – Why bedding is overtaking appliances as a must-have purchase- 14:55 – Housing boom in Fargo? The Midwest migration explained- 16:50 – The looming student loan crisis: who's really at risk?- 18:30 – Robots in every home: The next big trend in consumer tech- 21:00 – What every sleep retailer must know about shifting demographicsConnect with The FAM Podcast:

Is Trump's 50-Year Mortgage Plan the answer to America's housing affordability crisis—or a financial trap? In this video, we break down the economics, politics, and history behind ultra-long mortgages.You'll learn:* Why a 50-year mortgage might not lower monthly payments as promised* How interest rates and risk pricing change with longer loan terms* The hidden costs: slower equity growth, higher lifetime interest, and systemic risk* Lessons from Japan's 50- and 100-year mortgages—and why they failed* What really drives housing affordability If you're curious about housing policy, mortgage mechanics, and the future of homeownership, this deep dive is for you.Patrick's Books:Statistics For The Trading Floor: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/3eerLA0⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Derivatives For The Trading Floor: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://amzn.to/3cjsyPF⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Corporate Finance: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/3fn3rvC ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ways To Support The Channel:Patreon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/PatrickBoyleOnFinance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy Me a Coffee: https://www.buymeacoffee.com/patrickboyle

In the latest solo episode of the Happy Hustle Podcast, I dive into 24 AI tools that you can integrate into your business to streamline operations, enhance customer service, and boost productivity. Whether you're a small startup or a booming enterprise, these tools are game-changers. Here's a sneak peek of what you'll discover:Task Automation: Streamline your operations with tools like Zapier and IFTTT.Scheduling: Say goodbye to endless back-and-forth emails with Calendly and Acuity Scheduling.Inventory Management: Keep track of your stock effortlessly with TradeGecko and Fishbowl Inventory.Financial Management: Simplify your bookkeeping with QuickBooks and Expensify.Customer Service: Enhance your customer interactions with Drift, Intercom, and Zendesk.Market Research: Get ahead of trends with Crimson Hexagon and TalkWalker.And that's just the beginning! Listen to the full episode now and discover how all these AI tools can help you save time, reduce costs, and scale your business faster than ever before. Plus, I've included some awesome pro tips to ensure you make the most out of each tool.Connect with Cary!https://www.instagram.com/cary__jack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance (https://www.thehappyhustlebook.com/)Sign up for The Journey: 10 Days To Become a Happy Hustler Online Course (http://www.thehappyhustle.com/Journey)Apply to the Montana Mastermind Epic Camping Adventure (https://caryjack.com/montana)“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode sponsor BIOptimizers Magnesium BreakthroughThis stuff is a game-changer! Magnesium Breakthrough packs all 7 forms of magnesium, designed to support stress management, promote muscle relaxation, regulate the nervous system, control stress hormones, boost brain function, increase energy, and enhance sleep.I take 2 capsules before bedtime, and it's been a game-changer for me. The best part is, BIOptimizers offer a risk-free.

Flat Beveridge strikes again. You know the drill. We've been stuck in forgot how to grow and its no-hire/no-fire labor market the past few years. That began to change last year, especially last summer when no-hiring somehow got to be even less hiring. Then last year and this year, no-firing became some firing, in other words, shifting to the flat part of the Beveridge curve. But what we've been getting more recently looks to be an escalation in firing. Verizon just announced it may be cutting 15% of its 100,000 strong workforce.  Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider---------------------------------------------------------------------------------------------------------------------Texas Service Sector Outlook Surveyhttps://www.dallasfed.org/research/surveys/tssos/2025/2510#tab-reportBloomberg Verizon Eyes Up to 15,000 Layoffs as New CEO Takes Chargehttps://www.bloomberg.com/news/articles/2025-11-13/verizon-layoffs-could-come-next-week-as-new-ceo-takes-chargeCNBC White House says October jobs and inflation data may never be released because of the shutdownhttps://www.cnbc.com/2025/11/12/white-house-october-data-release.htmlBloomberg Fed's Perli Says Won't Be Long Before Fed Starts Buying Assetshttps://www.bloomberg.com/news/articles/2025-11-12/fed-s-perli-says-won-t-be-long-before-fed-starts-buying-assetshttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU