POPULARITY
Categories
476 episodes with Mutual
160 episodes with Mutual
449 episodes with Mutual
196 episodes with Mutual
167 episodes with Mutual
140 episodes with Mutual
236 episodes with Mutual
284 episodes with Mutual
154 episodes with Mutual
97 episodes with Mutual
121 episodes with Mutual
104 episodes with Mutual
216 episodes with Mutual
167 episodes with Mutual
85 episodes with Mutual
55 episodes with Mutual
142 episodes with Mutual
76 episodes with Mutual
105 episodes with Mutual
106 episodes with Mutual
111 episodes with Mutual
68 episodes with Mutual
61 episodes with Mutual
25 episodes with Mutual
44 episodes with Mutual
36 episodes with Mutual
32 episodes with Mutual
80 episodes with Mutual
37 episodes with Mutual
32 episodes with Mutual
70 episodes with Mutual
24 episodes with Mutual
20 episodes with Mutual
20 episodes with Mutual
23 episodes with Mutual
25 episodes with Mutual
27 episodes with Mutual
15 episodes with Mutual
9 episodes with Mutual
34 episodes with Mutual
344 episodes with Mutual
36 episodes with Mutual
38 episodes with Mutual
52 episodes with Mutual
16 episodes with Mutual
18 episodes with Mutual
265 episodes with Mutual
10 episodes with Mutual
26 episodes with Mutual
17 episodes with Mutual
10 episodes with Mutual
7 episodes with Mutual
13 episodes with Mutual
9 episodes with Mutual
17 episodes with Mutual
15 episodes with Mutual
11 episodes with Mutual
8 episodes with Mutual
11 episodes with Mutual
18 episodes with Mutual
182 episodes with Mutual
10 episodes with Mutual
9 episodes with Mutual
21 episodes with Mutual
12 episodes with Mutual
8 episodes with Mutual
9 episodes with Mutual
5 episodes with Mutual
4 episodes with Mutual
4 episodes with Mutual
9 episodes with Mutual
10 episodes with Mutual
6 episodes with Mutual
3 episodes with Mutual
21 episodes with Mutual
7 episodes with Mutual
8 episodes with Mutual
5 episodes with Mutual
27 episodes with Mutual
8 episodes with Mutual
19 episodes with Mutual
9 episodes with Mutual
5 episodes with Mutual
8 episodes with Mutual
4 episodes with Mutual
4 episodes with Mutual
8 episodes with Mutual
5 episodes with Mutual
5 episodes with Mutual
6 episodes with Mutual
6 episodes with Mutual
3 episodes with Mutual
7 episodes with Mutual
4 episodes with Mutual
6 episodes with Mutual
7 episodes with Mutual
3 episodes with Mutual
5 episodes with Mutual
10 episodes with Mutual
9 episodes with Mutual
101 episodes with Mutual
5 episodes with Mutual
99 episodes with Mutual
5 episodes with Mutual
5 episodes with Mutual
4 episodes with Mutual
96 episodes with Mutual
3 episodes with Mutual
6 episodes with Mutual
3 episodes with Mutual
3 episodes with Mutual
5 episodes with Mutual
4 episodes with Mutual
3 episodes with Mutual
92 episodes with Mutual
6 episodes with Mutual
89 episodes with Mutual
5 episodes with Mutual
6 episodes with Mutual
2 episodes with Mutual
2 episodes with Mutual
7 episodes with Mutual
4 episodes with Mutual
3 episodes with Mutual
3 episodes with Mutual
4 episodes with Mutual
5 episodes with Mutual
7 episodes with Mutual
8 episodes with Mutual
8 episodes with Mutual
3 episodes with Mutual
3 episodes with Mutual
4 episodes with Mutual
2 episodes with Mutual
5 episodes with Mutual
4 episodes with Mutual
4 episodes with Mutual
15 episodes with Mutual
10 episodes with Mutual
6 episodes with Mutual
4 episodes with Mutual
5 episodes with Mutual
4 episodes with Mutual
2 episodes with Mutual
3 episodes with Mutual
6 episodes with Mutual
13 episodes with Mutual
6 episodes with Mutual
3 episodes with Mutual
3 episodes with Mutual
2 episodes with Mutual
74 episodes with Mutual
8 episodes with Mutual
2 episodes with Mutual
2 episodes with Mutual
4 episodes with Mutual
5 episodes with Mutual
2 episodes with Mutual
2 episodes with Mutual
10 episodes with Mutual
6 episodes with Mutual
2 episodes with Mutual
4 episodes with Mutual
2 episodes with Mutual
2 episodes with Mutual
4 episodes with Mutual
5 episodes with Mutual
3 episodes with Mutual
3 episodes with Mutual
67 episodes with Mutual
3 episodes with Mutual
8 episodes with Mutual
4 episodes with Mutual
4 episodes with Mutual
4 episodes with Mutual
4 episodes with Mutual
3 episodes with Mutual
2 episodes with Mutual
3 episodes with Mutual
3 episodes with Mutual
The stakes are higher than ever for Superman as this epic adventure continues! "Big" George Latimer may have figured out how to use the Kryptonite to wipe out Superman once and for all, as Batman and Robin continue their desperate search for the Man of Steel. We'll hear every exciting minute in these five chapters that aired on Mutual between May 28 and June 3, 1947.
The 7 Principles of Successful Partnering in the Age of AI Subscribe to our Newsletter:https://theultimatepartner.com/ebook-subscribe/Check Out UPX:https://theultimatepartner.com/experience/ In this engaging session, Vince Menzione reflects on his extensive career transitioning from direct enterprise sales to building massive channel ecosystems, while unveiling the seven core operating principles essential for modern partnering. Highlighting tectonic industry shifts—from the PC and Cloud eras to the current AI revolution—Vince explains how traditional playbooks are becoming obsolete and why adopting a growth mindset, modeled by leaders like Satya Nadella, is critical for survival. He delves into the rising importance of hyperscaler marketplaces and co-selling, urging leaders to cultivate adaptability (AQ), emotional intelligence (EQ), and mutual trust to thrive in this rapidly changing tech landscape. https://youtu.be/5n8dqiamnmE Key Takeaways Traditional industry playbooks are outdated almost immediately due to the rapid acceleration of AI and market changes. Implementing a “growth mindset” is a foundational operating principle that can transform corporate culture and drive massive valuation increases. Executive commitment and clarity of vision are mandatory for aligning an entire organization around successful partnering. Building a strong brand story and maintaining a maniacal focus on OKRs turns strategic vision into executed results. The technology landscape has experienced massive tectonic shifts from the PC era to the Cloud, Mobile, and now AI, requiring high adaptability (AQ). Mutual trust remains the non-negotiable foundation for any successful professional relationship or partnership. If you're ready to lead through change, elevate your business, and achieve extraordinary outcomes through the power of partnership—this is your community. At Ultimate Partner® we want leaders like you to join us in the Ultimate Partner Experience – where transformation begins. Key Tags Vince Menzione, growth mindset, Satya Nadella, channel building, tech ecosystem, tectonic shifts, AI revolution, co-selling strategies, hyperscaler marketplaces, organizational alignment, executive commitment, OKRs execution, AQ strategy, mutual trust, B2B technology Transcript [00:00:00] Vince Menzione: Because I think we’re all paralyzed by AI and all the changes that are going on in our world, and playbooks are no longer good because they’re outdated the week after they come out. [00:00:12] Vince Menzione: We just came back from Ultimate Partner live in Bellevue, Washington, where we hosted incredible leaders for two amazing days. Come join us for this next session where we explore the tectonic shifts we’ve all been seeing. What a list. Oh my gosh. I gotta tell you, I was just going back this morning and, and looking to see first of all the number, the sheer number is incredible. [00:00:36] Vince Menzione: But look at, look at all these top executives. These are, these are like market movers. The game changers. These are people that are doing more in our world, in our ecosystem than most others. And we are very fortunate to have the representation from these organizations. From these leaders in the room, and we try to curate an event that is more than a, a sales pitch. [00:01:00] Vince Menzione: We’re, in fact, we, we’re not a sales pitch. We’re all about, you know, helping you achieve more. And we try to frame that around operating principles. So, uh, a little bit of a roadmap lately. I mean, this started out like how did we get here in like, maybe five spots along the way. But, uh, for those of you who don’t know me and my background, and I’ve had an incredible career, I’ve been very blessed. [00:01:20] Vince Menzione: I did a startup that we grew from 6 million to 125 million. Went public on the Toronto Exchange. I’m still friends with the CEO, by the way. Helped, helped him grow and exit that company. Uh, I then followed one of the leaders there to go do a turnaround with Golden Gate Capital, and we took that and that’s where I built my first channel. [00:01:37] Vince Menzione: I went from doing enterprise sales as a direct seller, direct sales leader, VP to then going to building a channel. During nine 11, uh, this company was selling rugged notebook computers. Our biggest competitor was not a US company, and I spent a lot of time on Capitol Hill. I met with several congressmen and senators at a time when people did that, and they talked to each other. [00:01:58] Vince Menzione: And, uh, I built a channel. I got its a GSA schedule, and I understood. So I understood intuitively, even from that point in my career, how to move, how to shift from direct selling to building a channel, building a business around that. We became the growth engine of the company. One of my partners was one of the largest defense contractors, general Dynamics. [00:02:19] Vince Menzione: They had the big contract if you were selling to the US Army. And I knocked down the door basically and said, you got a partner with us. And that’s how we got the relationship established. And they wound up buying us for like 10 x what Golden Gate Capital had had spun us out for. And then Microsoft recruited me. [00:02:36] Vince Menzione: And for almost 10 years I was the GM of public sector partner strategy. And so I was, I was there and we’ll talk about Satya and other things, but I was there when we started the cloud. I was there when we pivoted the business from the old model and working with OEMs and trying to, to do things a different way to the cloud and co-selling and things like that. [00:02:56] Vince Menzione: And, uh, had a great experience. And then when I left I was like, oh, I’m just gonna go work for another big tech company. I started a podcast. I had a friend who said, you should do a podcast on partnering. You know a lot about this more than you probably think you do. And almost 10 years ago, I started a podcast in a spare bedroom. [00:03:13] Vince Menzione: And you know, it, it was, it built a following and there’s a lot of work, by the way, people, a lot of people do podcasts today. It was a lot of work for those of you. I congratulate anybody doing that. Uh, I went back inside for two years because I felt like I needed to go back into a big corporate environment. [00:03:29] Vince Menzione: And then I left during COVID and I learned a lot being at a big corporation about how hard it was to partner. Like it’s still hard. I don’t know how many people in the room feel this way. I know, I know the numbers are much better and Jay will talk through the numbers, but it’s not easy and a lot of organizations don’t understand it. [00:03:47] Vince Menzione: And that’s what we talk about here and we try to help people to achieve more and how to, how to get that mindset in the right place. But anyway, so. We started, we started doing the podcast after COVID, it took off. We did an event. Uh, there’s actually four of the five people that did partner. We called it Partner Mastermind. [00:04:06] Vince Menzione: We did an event about four years ago, uh, separately. And that led to Ultimate Partner. And it’s a long, the long history in the last four years of 10 events, like it’s been an incredible blast. And I want to thank each of you for being along this, this incredible ride with us as we continue to grow and expand. [00:04:24] Vince Menzione: We’ve been doubling every year for the last four years and um, I feel very blessed to be part of this. So I did wanna spend a minute with you on this. I don’t like the drain this slide, but I do wanna identify what I believe are seven operating principles of what makes successful partnering. And you know, you might say there’s eight, you might say there are other things I think about principles as opposed to tactics. [00:04:50] Vince Menzione: Tactics are transactional. They’re temporary and a point in time, and it’s how you respond and react to a situation. Principles are things you take with you, and that’s what we hope to do at Ultimate Partner. Take those things with you and then, then apply some of the things to the tactics that we need to have. [00:05:06] Vince Menzione: And so we talk about growth mindset. Uh, you know, depending on where you stand about Microsoft, these days, when this guy came in, stock was $36 a share. Okay. It’s in the four hundreds now. It was up to over 500 not long ago. He applied a different mindset. The first three things he did, Le got a copy of Carol Dweck’s book about mindset. [00:05:28] Vince Menzione: Growth mindset versus fixed mindset. Uh, he brought in Dr. Michael Vet, who’s a leading sports psychologist, like in, in the industry, who was the Seattle Seahawks sports psychologist. Mike’s been a podcast guest of mine. I’ve been to his studio. Um, and then he, we, he, he changed, he, he brought down, he took down the walls of the way Microsoft operated because leaders fought with each other. [00:05:51] Vince Menzione: They competed with each other for resources, for monetization, for everything. And he changed the mindset. Nobody’s a perfect CEO, but if I was to say to you who I think the best CEO of the last 10 years were, I’d give it to Saja Nadella, but it’s about mindset. It’s about changing or having the right mindset and applying that growth mindset to a successful partner. [00:06:12] Vince Menzione: Executive commitment, I talked about that. Other organizational will go nameless, but if you don’t, you can have the CEO down to the selling floor. Everyone needs to speak partnering, like in order to get it right in an organization. The whole company, the resources, the investments, the alignment, all has to align around partnering. [00:06:32] Vince Menzione: Executive commitment is incredible. Tony Saan took a small MSP to a half a billion dollar exit, took them to go, uh, Google Partner of the Year, seven straight years in a row. I think they’re eight this year. Uh, but Tony’s a good friend of mine. He is also been a guest on the podcast and, uh, somebody I’ve admired and worked with. [00:06:50] Vince Menzione: This is Dr. Michael Dravet. We talk about clarity, like once you get your mindset, once you get executive commitment, you then need to determine like how, what’s the vision? How do we drive success together? You need to turn, you need to know internally how to go do that. Then you lock arms with another organization and then you apply it to that partnership. [00:07:10] Vince Menzione: So that’s incredibly critical. Then, then you gotta do everything right? Like I always kid around about my days at Microsoft, we’d have these incredible meetings with leaders. They’d come meet with us at partner conference. I would literally go back to back for several days in the room. Slide deck after slide deck. [00:07:27] Vince Menzione: We’re high fiving at the end. [00:07:29] Vince Menzione: We’re gonna go do it [00:07:31] Vince Menzione: six months later. Crickets. Nothing happens, right? This happens a lot in partnering. Unfortunately, like we, we set up the right situation. We line everybody. We’re gonna go execute, we’re gonna drive results. You have to apply maniacal, focus, OKRs, everything to everything you do. [00:07:48] Vince Menzione: You need to apply. And by the way, you’re gonna hear from a lot of leaders here that do this type of work. So this is incredibly, uh, critical to success, brand and story. Like I wanna work with Microsoft. There’s gonna be probably 40 plus Microsoft leaders in the room, some of ’em sitting here and around the room. [00:08:06] Vince Menzione: How do you do that? Right? This is Ducks Raymond S. Good friend of mine at Point. I knew at point when they were just starting out. Scott Sackett is here. He’ll be up on stage. Uh, this man was expert on brand and story. Learn from people that are successful, how to be successful yourself, if you wanna be a top partner, if you wanna grow your business, whether you’re working with Microsoft, Google, Amazon, or any of the other partners in this room. [00:08:30] Vince Menzione: You need to be very clear about your brand, articulate it well, and drive a story against that. And that’s really super critical for success. And then once we do all those things, we start driving a flywheel of success. Aaron Feiger and some of the other people in the room, Reese Barry, are gonna be talking about how they do that. [00:08:47] Vince Menzione: They will help these organizations be successful. Pick putting that stake in the ground and driving it. And then what happens is after you drive this incredible success, what does my partner do? My tech giant, the company I’ve been working with, they go change everything. The market changes, the dynamics change. [00:09:05] Vince Menzione: This thing in November of 2022 called AI Happens, Chad, GBT hits the market. How do I respond and react to that? I need to be adaptable. I need to drive an AQ strategy on top of my EQ and iq, and we’ll talk more about that. So these are the operating principles, and we lay it out as a, as a diagram. And by the way, you see mutual trust. [00:09:26] Vince Menzione: Trust has to be in every room without trust, you have no partnerships, without trust, you have no business success. Like you can get buy in business, you can get buy in life, but trust is foundational. And I was very blessed to have that like grain ingrained in me as a young boy. Uh, so that’s our, that’s our operating principles. [00:09:48] Vince Menzione: Um, I’m working on a book right now. It’s almost done though. We’re, we’re talk, we’ll talk about that more, but that’s, that’ll be in the book. Um, and then we’ve been talking about tectonic shifts and I don’t know who said it first, Jay or, or me, but I know who you said it in the studio several years ago. [00:10:04] Vince Menzione: Jay’s been in our, our Boca studio many, many times. But we’ve been talking about tectonic shifts and Oh my gosh, right? So think about, I want everybody to think about this for a second. If you’ve been around tech for a while. We’ve gone through several, like these 10 year phases, the PC era, the cloud era, the well, the cloud. [00:10:23] Vince Menzione: We had client server, pc, client server, we had cloud, we had mobile, and now we hit ai. Those eras all took a period of time, right? They didn’t happen overnight. Like there was a trend like five, six years, seven years, maybe eight years, and then COVID happened, and I believe that COVID was the acceleration point because. [00:10:44] Vince Menzione: We were all forced to do things we didn’t do before. People went out and bought PCs that didn’t have them. Kids had to learn from home. Healthcare was administered tele telehealth, we didn’t do telehealth before. We had like 5% of the population to telehealth before that, uh, our work environment changed, right? [00:11:02] Vince Menzione: We were doing Zoom calls or teams calls back when I was at Microsoft Days, but the world started doing it. Our life started to change. That’s why being in the room places like this is so important. And so that really has accelerated everything. And this, you know, all these things have been accelerating over time and these are significant shifts. [00:11:22] Vince Menzione: We have the three leaders of the three marketplace organizations coming on stage here. Uh, the three hyperscalers, because marketplace went from, we were talking about it like, this is really cool. You need to go do it. A few years ago. So Microsoft lowering the rates on it, and then everything changed and then everybody started accelerating and it became the fungible token. [00:11:43] Vince Menzione: ’cause we used to, we used to partner, we used to take spreadsheets and put ’em up against each other and try to figure out deals and fax copies of deals that came in and say, we want credit for this one. And then Marketplace became a way to create a fun non fungible token. And really drive your success. [00:11:59] Vince Menzione: And so we have all the leaders that are running marketplaces in this room, by the way. So this is gonna be like the most incredible rich conversation. Co-selling. Co-selling is a, you know, a non-starter day. You have to co-sell it. People, we used to do vendor channel, which means I had somebody selling my stuff that’s not happening anymore. [00:12:19] Vince Menzione: And Jay, we’ll talk about the seven seats at the table. But this is all, these are all the things that have been changing. And of course, ai. I think that we are sitting here and I, I, I’ll share, and I’m stressing this, like this is, you need to be in this room because you’re gonna hear from leaders about what the next steps are. [00:12:35] Vince Menzione: ’cause I think we’re all paralyzed by AI and all the changes that are going on in our world and playbooks are no longer good because they’re outdated the week after they come out. So I need to, I need to follow this in real time. I think this is super important that you do, and it’s why we exist and it’s why this time is like no other. [00:12:53] Vince Menzione: I think, you know, we said maybe a generation, maybe it’s a lifetime in terms of the shifts that we’re seeing. So I, I kind of started here and I wanted to end here, uh, just because the light doesn’t go out. That’s what it’s all about. And this is it. This is it for me, right? This is my, my last run. I’m not gonna go work for a company after this. [00:13:16] Vince Menzione: I’m not gonna go into become a consultant. And I want this truly to be like special. And I want you to all feel like you’re part, you are part of it, and however much you wanna lean in and be part of it in the future, we want to grow this in the right way. I, I feel that we have an a unique opportunity. [00:13:34] Vince Menzione: Because we’re not a vendor, we’re not selling anything. I feel like we’re a platform. We’re that we’re that lighthouse and others can come in that are experts and I feel like more and more of ’em are showing up. And you know, the PDG guys did a great job today and others in the room and people that have been friends and supporting us for for years as on that sponsor slide. [00:13:56] Vince Menzione: And so we just want to continued this journey with each of you. Um, and so I want your feedback on what we’re doing. I want, I love your support. I love your passion. I love the fact that you’re still here in the room talking with, with or being here, listening to me today. Um, this is, that lighthouse is, you can see these pictures. [00:14:15] Vince Menzione: These are all family photos. Um, we go to that lighthouse, not because it’s a lighthouse, but uh, it happens to be like a landmark in our town. And, uh, it’s kind of cool. And actually the re Joe Namath has owns the restaurant across from the lighthouse, so we, we’ve got to see him a couple of times, which is kind of cool. [00:14:34] Vince Menzione: But I, I, I, I was posting this lighthouse when I started the podcast. And I was, yeah. ’cause that’s where I live and it’s my hometown. And I think about Dakota Rings and I think about other things. But, um, this is what matters. This is what matters is helping others. And we all are gonna need each other in this world because AI is gonna change our lives. [00:15:00] Vince Menzione: And dramatically it’s, I I think this is a once in a lifetime thing. But I think having people that you trust and being in the room with others where you can learn and grow and adapt, adaptability is so important. So, um, analog is the new digital as my, my good friend Gary V now says. And I think there’s this huge opportunity around what we do as ultimate partner to help everybody reach their pinnacle to everybody. [00:15:26] Vince Menzione: Be the ultimate partner. And I want to thank you for coming. I want your, thank you for your support, friendship, love. And, uh, you’re just an incredible group. Thank you. [00:15:41] Vince Menzione: Until next time, we’ll see you in person. Hopefully at our next event.
Infinite Banking has grown fast. Really fast. And with that growth has come a flood of practitioners, coaches, agents, and advisors all claiming they can help families become their own banker. Some of them are exceptional, some are undertrained, and some are simply using the Infinite Banking label to sell products they were already selling, with a new coat of paint. From the outside, it's genuinely difficult to tell the difference. Their Marketing is polished, and their credentials sound similar. And yet the person you choose to guide you through this process will shape a financial strategy that isn't meant to last a few years. It's meant to last generations. A policy designed today may still be growing in your children's lifetime. That deserves care. https://youtu.be/0jcJDFXixhY What follows is a set of questions every Infinite Banking practitioner should be able to answer before you trust them to design your system. These aren't adversarial questions. A well-trained, experienced practitioner should answer every one of them with enthusiasm, because they demonstrate exactly the kind of long-range, client-centered thinking that separates someone guiding a philosophy from someone selling a product. Table of ContentsKey TakeawaysAre You Practicing Infinite Banking Yourself?Are You an Authorized Nelson Nash Institute Practitioner?Are They Asking the Right Questions About You?Can They Explain the Policy Design and Why?Mutual participating companyDirect vs. non-direct recognitionBase premium vs. PUA ratioThe first five years, honestlyWhich Companies Do They Work With and Why?Can They See Your Whole Financial Life?What Happens After the Policy Is Issued?The Questions to Bring to Your First ConversationThe Right Practitioner Will Welcome Every One of TheseBook a Strategy CallFrequently Asked QuestionsWhat is an authorized Infinite Banking practitioner?How do I know if an Infinite Banking advisor is qualified?What questions should I ask before buying a whole life insurance policy for IBC?Why does it matter if my advisor practices Infinite Banking themselves?What should I expect from an Infinite Banking advisor after my policy is issued?Is Infinite Banking the same regardless of which advisor I use? Key Takeaways Whether a practitioner is actively practicing Infinite Banking themselves is the single most revealing question you can ask. Authorized Nelson Nash Institute practitioners have completed formal training in the philosophy as originally taught; using the IBC label without authorization is worth questioning. Behavior matters more than policy design. A good practitioner asks as many questions about your financial life as you ask them. Policy design fluency, company selection knowledge, and honest discussion of the first five years are all marks of a practitioner who knows what they're doing. Infinite Banking is one piece of a full financial picture. A practitioner who only sees the insurance piece is missing the rest. The relationship doesn't end when the policy is issued. It's just beginning. Are You Practicing Infinite Banking Yourself? This is the most important question on the list. Not "do you have a whole life policy." Most insurance agents do. The question is whether they actively practice Infinite Banking in their own financial lives. There's a meaningful difference between the two. An agent who holds a whole life policy primarily for death benefit coverage is still thinking in product terms. A practitioner who is intentionally capitalizing policies, taking policy loans to fund investments or opportunities, repaying those loans, and systematically growing a network of policies over time is living the philosophy. You can follow what someone's life demonstrates. Believing what they say is a different thing entirely. Bruce has been capitalizing since his father opened a policy on him as an infant. That's not a credential. It's evidence of a practitioner who thinks about capital the way the Infinite Banking Concept requires. When I talk about our family banking system, I'm not speaking in theory. I'm reporting what's actually happening in our financial life. A practitioner who truly owns this will go further than confirming they have a policy. They'll be able to tell you which policy loan they most recently funded, how many policies they are running, and how they think about repayment. The follow-up question to ask: How are you using your cash value right now? What did you most recently capitalize? If those questions produce vague answers, that tells you something. Are You an Authorized Nelson Nash Institute Practitioner? Nelson Nash developed the Infinite Banking Concept and wrote Becoming Your Own Banker. The Nelson Nash Institute trains and authorizes practitioners in the philosophy as he originally taught it. Authorization means completing the Institute's training program. It's not a license in the regulatory sense, but it sets a minimum floor of both knowledge and philosophical alignment. The IBC term carries a copyright. And yet many agents use "Infinite Banking Concept" or "IBC" in their marketing without the Institute's authorization. That raises a fair question: why wouldn't they simply get authorized? Nelson said that the only limit to Infinite Banking is imagination, but he also gave guidelines. The flexibility he intended has led some practitioners to strip away those guidelines entirely and declare that any whole life policy you can borrow against constitutes IBC. Bruce calls this oversimplification. It produces policies that look like Infinite Banking on the surface but don't function like it in practice. The design is there; the philosophy isn't. Authorization is a meaningful bar. It's not the only bar, and there are levels of competency even among authorized practitioners. But a practitioner who markets themselves using intellectual property they've chosen not to be authorized in is worth questioning before you go further. Are They Asking the Right Questions About You? Nelson Nash said it himself: behavior is more important than policy design. A practitioner who truly understands this will spend as much time asking about your financial life as you spend asking about theirs. If the first question you're asked is "how much do you want to put in each year," and then they produce an illustration based on that number, that's not due diligence. That's taking an order. Think about what you'd expect from a commercial bank. If you walked in asking for a $50,000 loan and the banker just transferred the money without asking about your income, your assets, or your ability to repay, you'd be alarmed. And yet that's what some practitioners do for people who are trying to become their own banker. The institution they're helping you replace operates with far more rigor than they're applying to the process. Or consider what you'd expect from a physician. A doctor who hands you a prescription the moment you name a medication, without examining you or understanding your history, isn't practicing medicine. They're taking orders. A practitioner who quotes you an illustration before understanding your full financial picture is doing the same thing. A practitioner asking the right questions will want to understand your income and how it flows, where your money currently sits, your existing insurance and protection picture, any anticipated income changes or windfalls, your tax situation, and your estate and legacy goals. And that's not a one-time conversation. A good practitioner commits to reviewing all of it at a minimum once a year, because life changes, and the policy needs to change with it. Can They Explain the Policy Design and Why? This section covers the technical fluency a practitioner should demonstrate. You don't need to become a policy design expert. But you should know what depth of answer to expect. Mutual participating company This is the non-negotiable starting point. Universal life policies, including indexed universal life, carry no guarantees. Whole life from a mutual, participating company is the foundation. Participating means you share in the profits through a dividend. A practitioner who is unclear on why that matters, or who offers IUL as an alternative vehicle for Infinite Banking, is not operating from Nelson's philosophy. Direct vs. non-direct recognition Non-direct recognition companies credit the same dividend regardless of outstanding loans. Direct recognition companies reduce the dividend on the loaned portion. For active Infinite Banking practitioners who borrow regularly, this distinction is important, especially when a loan carries over from one year to the next and compounds against a smaller dividend. Non-direct recognition is our preference, and it's one of the clearer signs that a practitioner is thinking about how the policy will actually function in use. Base premium vs. PUA ratio Paid-up additions, or PUAs, allow you to pour additional capital into the policy and build cash value faster in the early years. A lower base with heavy PUAs can look attractive on a short illustration. But a higher base creates a larger permanent death benefit and a higher dividend over decades. You can read more about how whole life dividends work and what affects them. That dividend compounds into more cash value over a lifetime. The deeper principle: a practitioner who designs defensively, minimizing the base "in case you can't pay," is building behavioral uncertainty into the structure from day one. A practitioner who helps you think about how much you can capitalize, rather than the least you need to commit, is operating from the philosophy. Over 40 years of consistent funding, the lower base policy can outperform. But the moment funding falters, and it will because life is not a spreadsheet,...
Drop us a note about the podcast. A single headline can shake you, but a whole pile of them can start to numb you. We start by going back to Psalm 119, where God's justice is called eternal and His instructions are perfectly true, then we test that claim against the pressure points people feel right now: fear, anger, and the sense that leaders keep getting the basics wrong. Along the way, we talk through two brutal news reports tied to sexual violence and immigration policy, and I share why I think a nation cannot ignore law, borders, and victim protection without paying a serious moral price. Then we shift to something just as practical and personal: marriage. I read 1 Corinthians 7:3–6 and keep it plain, because Scripture is plain. Mutual responsibility, mutual authority, agreement, and a warning about temptation are all right there, and bad teaching in this area doesn't just confuse people, it damages homes. From there we read John 19 and sit with the cross, fulfilled prophecy, and the words that change everything: “It is finished.” We close with American Christian heritage, honoring a Medal of Honor recipient and looking at presidential oath-of-office Bible passages from Benjamin Harrison and Dwight D. Eisenhower. My point is simple: policies and elections won't save a country that won't return to God. If this brought clarity or conviction, subscribe, share the episode, and leave a review so more people can find it.#BibleScripture#BenjaminHarrison#DwightDEisenhower Support the showThe American Soul Podcasthttps://www.buzzsprout.com/1791934/subscribeCountryside Book Serieshttps://www.amazon.com/Countryside-Book-J-T-Cope-IV-ebook/dp/B00MPIXOB2
Welcome back to Mutual Presents! Grab your deerstalker and magnifying glass. Grab a handsome cab and meet us at Thursday Thrillers with another twin feature from The New Adventures of Sherlock Holmes with "The Viennese Strangler" and "The Notorious Canary Trainer"!
Bruce Nichols. Biographer Bruce Nichols explores the complex literary relationship between Herman Melville and Nathaniel Hawthorne. He discusses Melville's development of Moby Dick, their contrasting writing styles, and the mutual influence found in their journals.EMERSON OLD MANSE
Ian Banner was asked to set up a prayer ministry team at a church. He was careful about who he approached — looking for humility and grace, not just gifting. Then someone he hadn't contacted approached him, demanding a place on the team, telling him God had confirmed her gifting to pray for others.He asked one question: when had she last gone forward for prayer herself?Her answer — "I don't need prayer, they do" — is the starting point for this Walk and Talk episode on what Ian calls mutual vulnerability: the principle that you cannot pray well for someone unless you know from the inside what it costs to stand at the front and need God in a room full of people.Drawing on James 5:16 and his own test for assessing whether someone is ready to pray for others, Ian makes the case that the best credential for prayer ministry isn't gifting or experience — it's being a regular responder yourself. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.safeprophets.com
This evening, we unpack the day's market movements with Terence Hove, learn about the money laundering risk concern and the impact it has on SA staying off the greylist with FIC, unpack how streaming platforms cash in on live sporting events with MyBroadband, look at the key takeaways from African Energy Forum with Standard Bank, and, in our SMME feature, we enter the world of cafes with Plato Coffee SAfm Market Update - Podcasts and live stream
Our bonus series starring the Man of Steel continues with the next five chapters of the epic adventure "Superman vs. Kryptonite." The dynamic duo Batman and Robin step in to help their super friend, who is threatened by corrupt political boss "Big" George Latimer in these exciting installments that aired on Mutual between May 21 and May 27, 1947.
What if one of the keys to a more connected relationship isn't communicating better—but paying closer attention?In this episode, Janna and her husband pull back the curtain on a practice they've been intentionally developing in their marriage: attunement. Rather than waiting for your partner to tell you exactly what they need, attunement is the skill of noticing, anticipating, and staying emotionally connected to their inner world.Together, they explore why women are often socialized to be more attuned than men, how this dynamic can impact relationships, and the practical ways they're learning to think about and care for each other throughout the day. From feeling more seen and understood to creating deeper emotional and sexual connection, this conversation offers a fresh perspective on what it means to truly know and support your partner.Listen to Part 1 of this series here: https://jannadentonhowes.com/185-mutual-vulnerability-for-a-better-sex-life/Looking for where to start? Get Janna's Intro Videos for men and women.Ready to learn more? Janna's Wanting It More Foundations self-paced course for women is always open for registration.Ready to learn as a couple? Get all the details about Janna's coaching program for couples, Doing It Together. Next round runs Oct./Nov. 2026.
Our salute to actors who played multiple radio detectives continues with Dick Powell, who transformed himself from a comedic crooner to a hard-boiled hero on the big screen. We'll hear him as two private Dicks - Richard Rogue from Rogue's Gallery and as Richard Diamond, Private Detective. He's Rogue in "The Triangle Murder Case" (originally aired on Mutual on February 21, 1946) and "The Corpse I Didn't Kill" (originally aired on Mutual on June 13, 1946). Then he's Diamond in episodes known as "The Mary Bellman Case" (originally aired on NBC on June 28, 1950) and "The Mike Burton Case" (originally aired on NBC on July 5, 1950) . Plus, we'll hear him as a third radio sleuth in the 1948 audition recording for Yours Truly, Johnny Dollar.
Mutual Submission - 14 Jun 2026 Rev. Mike Moore - Speaker: Sermons - Sermon Series: Covenant & Calling - Watch Online: https://thenewcom.com/sermons/2026-06-14/mutual-submission/
Every table has a dynamic. And when nobody knows their role, everybody feels the tension.We live in a culture that is deeply suspicious of order — especially in marriage. Words like "submission" and "leadership" land like fighting words. But Paul isn't writing a power manual. He's describing a picture of something far more beautiful: a marriage that reflects the way Christ loves the church.In Ephesians 5, Paul calls husbands and wives into something radical. Not a hierarchy built on control, but a partnership built on sacrifice. Mutual submission. Servant leadership. A love that lays itself down and a respect that chooses to honor even when it's hard.When God's design gets ignored, relationships don't just get complicated — they drift. Slowly. Quietly. Until nobody remembers how they got so far from each other.But when two people sit down at the table and ask "how can I serve you?" instead of "what do I deserve?" — everything changes.God's design for marriage was never meant to create tension. It was meant to end it.
Get ready for Superheroic fantasy adventure from Wednesday Wonder's features. It's a double-feature of The Shadow with "The Plot Murder" and "The Bride of Death"!
Where Did My Returns Go? The Cost of Mutual Funds and Annuities The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description Time Stamps 00:00 Keep Truckin Intro 01:31 Show Opens Fees 03:22 Mutual Fund Basics 05:46 Share Classes Loads 07:14 Portfolio Fee Transparency 10:05 Tax Drag Distributions 14:01 Constraints Versus Drift 16:29 Managed Accounts Example 21:16 Break Segment Promo 22:05 Inflation Market Pinch 26:09 Mutual Fund Fee Reality 26:38 Annuities Insurance Wrapper 27:27 Index Annuity Caps 30:20 Fixed Annuity Tradeoffs 32:27 Immediate Annuity Inflation 37:32 Commissions And Incentives 40:29 Counterparty Risk Warning 44:30 Final Portfolio Checkup Most investors look at their mutual fund statement, see a return number, and assume that’s the whole story. It isn’t. Fees are deducted before that return ever reaches your statement, which means you could be paying anywhere from a fraction of a percent to well over 1.5% a year without it ever showing up as a line item. In this episode, Tom Dupree and Mike Johnson explain exactly how those costs are built into your returns — and why two people holding what looks like the “same” mutual fund can actually be paying very different amounts. The conversation also digs into a real-world example involving a major fund family, where a change to share class minimums forced a wave of investors to realize years of embedded capital gains — and a hefty tax bill — all at once. From there, Tom and Mike shift to annuities, breaking down how index annuities, fixed annuities, and immediate annuities are each priced, where the commissions come from, and why the financial strength of the insurance company behind the contract matters just as much as the product itself. Whether you’re holding mutual funds inside a 401(k), an IRA, or a taxable account — or you’ve been pitched an annuity recently — this episode gives you the questions to ask before you invest another dollar. “If you don’t know what you own in your portfolio — and why — that’s the first thing worth fixing.” Topics Covered How mutual fund fees get absorbed into your net return instead of appearing as a separate line item The difference between A shares, C shares, and institutional share classes — and why the same fund can cost twice as much depending on which one you hold What a 12b-1 fee is and who actually receives it Why actively managed funds tend to carry higher expense ratios than index funds How capital gains distributions can create a tax bill on gains you never benefited from A real example of how a fund family’s share class changes forced unexpected tax consequences on shareholders Portfolio constraints versus portfolio drift, and why both can work against you Index annuities, fixed annuities, and immediate annuities — how each is structured and where the cost is hidden Why surrender charges exist and how they relate to commissions Counterparty risk: why the insurance company’s own investments matter to your guarantee Key Takeaways Your net return already has the fee built in. Mutual fund statements show what’s left after fees are deducted — not a separate fee line — so two investors holding what looks like the same fund can actually be paying very different amounts depending on share class. Share class matters more than most investors realize. One example discussed in the episode showed a global fund charging roughly 0.8% on its A shares versus 1.8% on its C shares — more than double, for the same underlying portfolio. Tax inefficiency can be just as costly as the stated fee. Because mutual funds are pooled investments, other shareholders’ buying and selling can trigger capital gains distributions you owe taxes on — even if you never participated in those gains. A fund’s holdings can drift far from what you originally bought. Without firm constraints, a manager’s strategy can shift significantly over a few years, leaving you holding something very different from what your original research showed. Annuities are mutual funds wrapped inside an insurance contract — and you pay for both layers. Whether it’s an index annuity’s capped participation rate or a variable annuity’s rider fees, the cost is built into the structure even when it isn’t itemized. Surrender charges exist largely to recoup the seller’s commission. Annuity commissions can run as high as 6–8%, and the multi-year surrender schedule helps the insurance company recover that cost if you withdraw early. The insurance company’s financial strength is part of what you’re buying. An annuity’s guarantee is only as good as the company behind it — and recent industry reporting has noted that some insurers are taking on more investment risk, including exposure to private credit, than before the 2008 financial crisis. Transparency is something you’re entitled to ask for. Whether it’s a mutual fund, an annuity, or a managed account, you have the right to know exactly what you own, what it costs, and where your income is coming from. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Podcast tab. Schedule a Complimentary Portfolio Review If you’re not sure whether the funds or annuities in your portfolio are quietly costing you more than you realize, we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400 | Visit: dupreefinancial.com Dupree Financial Group is a fee-only, fiduciary, SEC-registered Registered Investment Advisor. The information presented in this podcast is for informational and educational purposes only and should not be considered a solicitation for the purchase or sale of any security. Past performance is not indicative of future results. Investing involves risk, including possible loss of principal. Please consult with a qualified professional before making any financial decisions.The post Hidden Fees in Mutual Funds & Annuities | The Tom Dupree Show appeared first on Dupree Financial.
It's off to Sherwood Forest with two of the stars of The Adventures of Robin Hood, the 1938 lavish Technicolor production that pits Errol Flynn's Robin against Basil Rathbone's vile Sir Guy. It's one of the best (maybe the best) film adaptation of the classic legend, and it still thrills audiences today. We'll hear Olivia de Havilland (Maid Marian) in "Voyage Through Darkness" (originally aired on CBS on September 7, 1944) and Alan Hale, Sr. (Little John) in "The Leading Citizen of Pratt County" (originally aired on CBS on May 30, 1946). Plus, Edmond O'Brien stars in a radio retelling of Robin Hood from Family Theatre (originally aired on Mutual on July 27, 1949). Check out this TCM special on the making of The Adventures of Robin Hood!
Today on Black Dragon Biker TV: Full Patch Outcast MC Brother Challenges Jake Lang to Mutual Combat We break down the viral video where a patched Outcast MC member steps to Jake Lang at a rally for Karmelo Anthony. Lang refuses the mutual combat challenge. We also examine Lang's hateful rhetoric at the rally (blaming Black mothers for Austin Metcalf's death) — especially ironic considering he was recently saved by a Black man during a chaotic incident in Minneapolis. This raises bigger questions for Black 1%ers in today's racially charged climate: What role should we play instead of fighting each other? Raw talk. No filter. Join the discussion.
Jeff Schulze and Josh Jamner take a deep dive on the U.S. economy and stock market as well as the upcoming spate of mega cap IPOs, offering a bullish view for the second half of 2026, with a strengthening labor market, improving industrial activity and robust earnings offsetting an energy shock and a hawkish Fed.
Mutual respect and accountability pave the way for a loving marital relationship. To support this ministry financially, visit: https://www.oneplace.com/donate/779/29?v=20251111
Supergirl flies back to the big screen this summer (with a cameo from her cousin from Metropolis), and to celebrate we present an epic radio adventure of the Man of Steel. From the spring and summer of 1947, it's "Superman vs. Kryptonite," a story that begins when an old enemy of Superman's comes into possession of the hero's Achilles heel. We'll hear the first five parts of the story - episodes that originally aired on Mutual between May 14 and May 20, 1947.
[00:00] - Intro [01:27] - David's background [05:38] - Better Understanding CO2 [10:12] - Runaway TA on CO2 Pools [15:25] - Why CO2 tanks freeze [19:11] - Total Dissolved Solids (TDS) [27:17] - What was the TDS limit pre-2005? [28:28] - Mutual friends with Richard Falk [32:01] - Closing Buy David's book on CO2 for pH management in pools: https://davidwatsonpoolconsulting.com/ ______________________________Connect with us! Realize your full potential.Watershape University®Water chemistry questions?Orenda®Questions? Comments? Or apply to sponsor the show:ruleyourpool@gmail.com Facebook: @ruleyourpoolYouTube: @rule-your-pool
On Episode 898 of The Core Report, financial journalist Govindraj Ethiraj talks to Prabhakar Kudva, Co-Founder and Director at Samvitti Capital. We also feature an excerpt from our Special Edition interview with Vishal Mehta, India Leader for Energy Practice at Boston Consulting Group.SHOW NOTES(00:00) Stories of the Day(01:00) Mutual fund Inflows are Slowing but is that a Bad Thing?(03:23) Markets Hold Steady Despite Fresh Flare Up in West Asia(05:21) Leading Banks Start Offering FCNR Deposits at New Rates to Attract NRI Money(06:48) India Inc's Q4 Performance Paints a Picture of Resilience, says Bank of Baroda(08:17) India Inc is Talking of Stepping Up Capital Expenditure in Earnings Calls and Management Discussions(19:05) A 270 GW peak load - How India's Power System Is Trying To CopeFor more of our coverage check out thecore.inSubscribe to our NewsletterFollow us on:Twitter | Instagram | Linkedin | Youtube
In this episode of Satisfied, Ryan Swanson continues the Twisted Passions series by turning from explanation to application. For those who have experienced same-sex attraction, the question is not only “How did I get here?” but “What do I do now?” Using Ecclesiastes 4 and the picture of the threefold cord, Ryan explains the biblical importance of mutual discipleship, accountability, and outflow. He challenges listeners not to fight alone, but to share what God has used in their lives to help others pursue purity and satisfaction in Christ. Listeners who have experienced same-sex attraction are invited to anonymously share a verse, biblical truth, testimony, or practical step that has helped them at https://theegeneration.org/ssa. Topics Discussed The loneliness often felt by those struggling with same-sex attraction Why Ecclesiastes 4 speaks directly to the danger of isolation The difference between one-way mentorship and mutual discipleship How the “threefold cord” illustrates shared strength and shared responsibility The importance of personal integrity in the battle for purity Why outflow is a necessary part of Christian growth A powerful testimony from a Christian school chapel where young men began helping one another pursue purity The invitation for listeners to anonymously share what God has used to help them How testimony, Scripture, and practical wisdom can strengthen others in their own fight Key Takeaways You are not meant to face temptation alone. Mutual discipleship is not one strong person pulling up the weak, but believers strengthening one another as they walk with God. God can use the very truths He has taught you in your struggle to help someone else find hope and victory. Outflow helps turn the focus away from self and toward serving others. Even an anonymous testimony can be a meaningful first step in helping someone else become less gratified and more satisfied with Jesus Christ. Victory over deceptive thoughts starts early, before consideration turns into acceptance. Ready to download the Cord App? Find it here! Download the Satisfied Battle Plan or listen to the rest of the series here! Satisfied is a monthly program on the Thee Generation Podcast designed to offer practical tools based on biblical principles so that anyone can experience full purity and lead others to do the same. To ask questions or share testimonies, send an email to satisfied@theegeneration.org. If you've been encouraged by this podcast, please take the time to give us a five-star rating and write a brief review. That would help tremendously in getting the word out and raising the visibility of the Thee Generation for others. For more faith inspiring resources and information about joining Thee Generation, please visit theegeneration.org.
Interest rate and monthly payment? We all know those numbers.But what about the total interest you could pay over the full life of the loan?One investor recently looked at that number across 14 mortgages, and the results were hard to ignore. Some loans showed total interest percentages as high as 133%!That's why this week on the Not Your Average Investor Show, host Pablo Gonzalez is sitting down with Leslie Wilson, known in the community as The Real Estate Maven, to talk about what she found, why it changed how she looks at her mortgages, and the financing strategy she is now researching.You'll learn:- where to find the total interest percentage on your mortgage paperwork- what Leslie discovered after reviewing 14 mortgages- exploring HELOCs and lines of credit to pay down mortgage debt faster- what to consider before changing the way you use debt and equity in your portfolioSometimes one small number on a loan statement can change how you think about your whole portfolio.Listen NOW!Chapters:00:00 Meet The Maven02:26 From Plan B to Plan A04:25 Early Rentals and Hard Lessons06:01 Crash Opportunity in Denver09:06 Finding JWB and Scaling Up12:51 Why Jacksonville Now14:27 Funding Deals with Refinances17:46 Appraisals and Investor Mindset21:24 Bundle to Ten and DSCR Loans24:22 Asset Protection and LLC Setup27:35 Infinite Banking Explained33:47 Using Policy Loans for Down Payments36:58 Audience Q and Tax Treatment37:27 Mutual vs Stock Insurers38:12 Tax Free Policy Loans39:20 Replace Your Mortgage41:48 HELOC Cashflow Method45:34 Snowball vs Avalanche Payoff48:18 Why Keep Optimizing52:00 Portfolio Pac Man Breakdown55:06 Why Jacksonville Works58:03 Tactical Q and A01:00:16 Termites and Repairs01:03:49 Plant the Tree Today01:05:32 Final Send OffStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel @notyouraverageinvestor Subscribe to @JWBRealEstateCompanies
Spoiler warning, because this week Trey and Lauren are diving headfirst into the world of televised hockey smut. The duo takes a deep dive into the Amazon Prime series Off-Campus. The series showcased something rarely seen in mainstream media: emotionally mature male characters who prioritize safety and consent over physical technique.Lauren and Trey use the show's plotlines as a springboard for raw, transparent conversations about their own relationship. They unpack the beauty of mutual masturbation as a tool for connection, how to share erotic fantasies without obligation, and the biological and psychological reasons why our brains instinctively default to worst-case scenario thinking when our safety feels threatened.Key Takeaways & Tools Explored• Lauren and Trey discuss the massive cultural phenomenon of hockey smut and compare Off-Campus to their previous favorite, Heated Rivalry. • Lauren celebrates a powerful scene where the main character, Wellsy, opens up about her past sexual trauma and her tendency to get stuck in her head during intimacy. By engaging in mutual masturbation with her partner, Garrett, she is able to luxuriate in being witnessed and achieve pleasure without the performance pressure of giving or receiving touch.• Trey highlights a groundbreaking conversation between the male characters where they explicitly state that helping a partner experience pleasure isn't about physical strategy or technique, it's entirely about presence and being trustworthy so they feel safe.• Lauren puts on her "nerd cap" to explain why the human brain naturally defaults to the worst-case scenario during a conflict. She explains that this is a primitive safety-seeking survival strategy. When our "window of tolerance" shrinks, our options feel limited; but through intentional healing work, we can expand that window to see more life-giving possibilities and learn that emotions are merely options, not directions.Let us know what you thought Off Campus and if you are excited for another season?If you want to expand your own window of tolerance, learn how to communicate your authentic desires, and build an unshakeable team dynamic with your partner, let's connect.Request your free 15-minute consult at sexedforyou.com/freeconsult.About ThemLauren and Trey are partners living in Central Virginia, where Lauren owns and operates Sex Ed for You. She provides comprehensive sexuality education and embodied coaching to individuals, partners, and parents.Through a biopsychosocial approach, Sex Ed for You works to restore positive and respectful approaches to sexuality and sexual relationships, while increasing the possibility of pleasurable and safe sexual experiences, free of coercion, discrimination, and violence (World Health Organization).Sexual health is fundamental to the overall health and well-being of individuals, couples, and families, as well as to the social and economic development of communities and countries (World Health Organization). When individuals are blocked from sexual health, they are often stunted in their ability to develop sensual play, embodied connection, and enjoyment.Learn More & ConnectLearn more about Sex Ed for You: https://www.sexedforyou.comSchedule a FREE CONSULT with Lauren: https://www.sexedforyou.com/freeconsultLearn more about partnered communication and relational education on Instagram: https://www.instagram.com/sex_ed_for_you/Subscribe to the YouTube channel for conversations about sex, partnership, communication, and love: https://youtube.com/@thepartnershippodcastImportant RemindersThis is not a “how to” podcast, but rather a “how they” podcast. Lauren and Trey share personal experiences, perspectives, and reflections, inviting listeners to learn from what resonates, question what doesn't, and decide what feels aligned for their own lives.Lauren is not a therapist. She is a Certified Holistic Sexuality Educator and Embodied Intimacy and Relationship Coach.
Welcome back to Mutual Presents. And we're returning with your thrills and chills of The Mysterious Traveler! This week's double feature is "No Grave Can Hold Me" and "The Woman in Black"!
Send us Fan MailThere is far more attraction in the world than most of us are able to perceive. And far more women into you than you might ever notice.Today's episode unpacks how the ego distorts our ability to perceive the signs of mutual attraction. This is a deep-dive about how we get in our own way, and what becomes possible when we ‘cleans the windows of perception'.If you're listening to this, and you recognise how your ego patterns are diminishing the quality of attraction in your life, here's an invitation:I'm running a small private coaching afternoon called Desire in the Afternoon. Three men, four hours, a private room. We work directly with your life's story around desire, the particular patterns your ego is making, and what a completely different future for your intimate life can look like.DITA is a breakthrough session for a man on the cusp of understanding his pattern and ready to shift it.Oxford — Saturday June 27. Paris — Saturday July 4.Three seats per city. Details and application here.https://desireintheafternoon.carrd.co/~ Jordan__________________________________________________#zanperrion #fearofintimacy #dating #mendating #flirting #datingadviceformen #flirttips #relationship #jealousy ____________________________________________________Need a gunslinger? Someone who rides into town, completely solves your problem, then rides off into the sunset. Contact Zan Perrion personally to inquire about his incredibly effective one-on-one Laser Coaching. Find him here: https://arsamorata.com/gunslinger/__________________________________Get instant access to our 4 part mini-course with Zan Perrion
This powerful exploration of Romans 15 challenges us to consider our role in God's grand mission. We discover Paul commending the Roman church for three remarkable qualities: they were full of goodness toward one another, filled with knowledge of God's truth, and able to instruct each other in wisdom. This presents a beautiful picture of what mature Christian community looks like - not dependent on leaders for every spiritual question, but equipped to counsel and encourage one another through life's challenges. The message reveals Paul's unique calling as a pioneer apostle, someone hardwired by God to lay foundations where Christ had never been named. What's striking is Paul's humility - he boasts only in what Christ accomplished through him, not in his own abilities. This leads us to a profound truth: God set Paul apart before he was born, transforming the chief persecutor of Christians into the greatest missionary the church has known. If God can radically redirect someone like Saul of Tarsus, He can work in any of our lives. The practical application becomes clear when we see Hope Church's mission efforts - nearly a million dollars given to local, national, and global ministries in just over four years. We're reminded that some are called to go as pioneers into new territory, while the rest of us are called to support, encourage, and send them with more than just thoughts and prayers. The harvest is ripe, and whether we're called to plant churches in unreached areas or to faithfully support those who do, we all have a part in God's mission to reach the world.**Detailed Notes**• **Context – Romans 15:14–21, 22–33** – Paul is closing the letter, affirming the maturity of the Roman church and explaining his ministry calling and travel plans. – The sermon framed two big sections: (1) Practical church life, (2) Partnership in mission.---### I. A Mature Church (v.14)1. **Full of goodness** – Uprightness of heart and life; gracious toward one another. 2. **Filled with knowledge** – Deep, growing understanding of the faith (grace + truth). 3. **Able to instruct one another** – Mutual counsel, not clergy‑only; Col 3:12–17 – teaching, admonishing, worshiping together. – Sunday gatherings align us for mission; the church body does the “work of ministry” all week.---### II. Paul the Priest (v.15–16)• “Priestly service of the gospel” – not Old Testament sacrifice, but **offering Gentile converts to God**. • Every believer is part of a **“royal priesthood”** (1 Pet 2:9): servants of the King who bring people to Him.---### III. Paul the Preacher (v.17–19)• Paul “proud” only in what **Christ accomplished through him**. • Ministry must be: – Empowered by the **Spirit**, not human skill alone. – Dependent: “In him we live and move and have our being” (Acts 17:28). • Hudson Taylor: “God's will done God's way brings God's provision.” – Faith often feels impossible → difficult → done.---### IV. Paul the Pioneer (v.20–21)• Ambition: preach **where Christ is not named**, lay new foundations, then move on. • God had **set Paul apart before he was born** (Gal 1:15–16), transforming a persecutor into an apostle. • Some believers are similarly marked for pioneering ministry; they are miserable doing anything else.---### V. Partnership in Mission (v.22–33)• Paul longs to see Rome, then go to Spain, expecting their **help on his journey** (support). • Model of **local → national → global** mission: – Local ministries (kids, recovery, crisis pregnancy, etc.). – National church planting. – Global works (schools, long‑term missionaries). • The “5%” go; the “95%” **strive with them** in prayer, practical care, and financial support.---## Practical Applications1. **Grow into maturity** – Pursue goodness, biblical knowledge, and the ability to counsel others. Join and contribute to a group. 2. **Own your priesthood** – See people you share Christ with as your “offering” to God. Pray for one person to pursue this week. 3. **Rely on the Spirit** – Before serving, consciously ask the Spirit to lead; reject self‑reliance. 4. **Discern your calling** – If you feel “marked” for ministry or missions, don't ignore the burn; seek wise counsel and take next steps. 5. **Support those who go** – Pray by name for missionaries; give sacrificially; look for “root beer”–type ways to encourage them.---## Discussion Questions1. Which of Paul's three commendations (goodness, knowledge, ability to instruct) do you see most and least in your own life? 2. How does viewing yourself as part of a “royal priesthood” change your view of everyday life and work? 3. Where have you been tempted to rely on your own ability instead of the Holy Spirit? What might dependence look like this week? 4. Do you sense any specific calling from God (vocational ministry, missions, church planting, or something else)? How are you responding? 5. As a group, what concrete step can you take to better partner with those “on the field” locally, nationally, or globally?
Brother Jacob provides a sermon from a series on church fundamentals. Mutual edification means that members teach each other. Brother Jacob explains how mutual edification is practiced and how it is beneficial.
Join us for a journey 20,000 Leagues Under the Sea with the stars of Walt Disney's special effects-laden big screen adaptation of Jules Verne's science fiction adventure. We'll hear the film's four stars - James Mason, Kirk Douglas, Paul Lukas, and Peter Lorre - in old time radio thrillers: Mr. Lorre in "The Moment of Darkness" (originally aired on CBS on April 20, 1943); Mr. Lukas in "A World of Darkness" (originally aired on CBS on January 20, 1944); Mr. Douglas in "The Butcher's Wife" (originally aired on CBS on February 9, 1950); and Mr. Mason in "Banquo's Chair" (originally aired on CBS on March 9, 1950). Plus, the original story is recreated for radio with Gene Lockhart on Family Theatre (originally aired on Mutual on April 22, 1953).
Mutual friend's first night in NYC ended in near-ER toe carnage, PSG broke Arsenal's heart on penalties, and Monday gave us TWO blockbuster trades in a single afternoon. We get into Knicks-Spurs, the Cup Final, the SGA vs Crosby money gap, and why the Enhanced Games faceplanted. New episode out now. Get the app: https://apps.apple.com/us/app/sports-hangover/id6762103937 00:00 — NYC weekend & mutual friend's brutal toe02:30 — Wemby vs LeBron: the GOAT debate that ate dinner06:15 — NBA Finals: Knicks-Spurs and our prediction scoreboard07:45 — Stanley Cup Final: Vegas vs Carolina10:30 — The flopping rant + Crosby's $8.7M vs SGA's $285M14:00 — $4,000 to sit in the Knicks upper deck16:45 — Myles Garrett traded to the Rams20:00 — A.J. Brown to the Patriots22:45 — Russell Wilson retires for the CBS desk24:45 — Greg Olsen beats Brady for the Emmy (again)27:00 — The Enhanced Games faceplant31:00 — Go download the app
Could be the name of this show.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The economy was designed to serve life. At some point, it forgot. This article traces how that happened - through colonial extraction, currency manipulation, and centuries of treating the Earth as an inexhaustible resource - and more importantly, what is already being built in its place. It is also worth naming what is being built against it. Central Bank Digital Currencies (CBDC), digital identity systems, and the broader technocratic agenda advancing through institutions like the World Economic Forum represent a competing vision of the future - one where economic participation is surveilled, programmable, and ultimately controlled by the few. That is not a regenerative economy. It is the extractive economy in a new interface. The regenerative economy moves in the opposite direction: toward decentralization, sovereignty, reciprocity, and life. From Time Banks in New York to community currencies in Ecuador to worker cooperatives in Spain, it is not a future vision. It is a present reality, waiting to be joined. And while blockchain and regenerative finance are real and important parts of this picture, the regenerative economy is bigger than any single technology. It is a whole-systems redesign - cultural, spiritual, and practical - of how human beings relate to value, to each other, and to all living beings on Earth.A System Feature | Designed to ExtractA president steps up to the podium in Manila, praising the economic progress their country has fulfilled after, what many of us call “ the plandemic”. Outside the auditorium, a young mother carries her child on her hip, knocking on car windows at a red light, eyes down, asking for alms. The applause inside the hall doesn't reach her. It never does.The president says the currency has strengthened. That prices are coming down. Meanwhile, across the city, a farmer named Rodrigo is standing in the field he has worked for thirty years, calculating whether this harvest will cover the loan he took out before the last typhoon swept his crop away. It didn't. This is not an exception to the economic system. It is a feature of it. A reflection of a culture that does not care about those actually in need.Many nations measure their health through GDP - Gross Domestic Product - which essentially dictates whether or not an economy is “progressing.” It runs under one quiet assumption: that the Earth will keep giving. Indefinitely. Without asking anything in return. That before the calculations around supply, demand, and the balance of everything else, all the raw materials are already ideally supplied.The Earth is answering. Typhoons that once came once a generation now arrive like clockwork. Harvests that fed communities for centuries are failing across the Andes, the Sahel, the Mekong delta. The seasons that indigenous peoples read as living calendars have become erratic, unreliable, grieving. None of this is random. It is a response - accurate and proportional - to an economy built on the assumption that extraction has no cost.If we were truly “abundant” financially, we would not have billions of people at risk of starvation, homelessness, and other manifestations of neglect and poverty. The economy was supposed to serve all life. It has forgotten this. And in forgetting it, it has begun to abandon human life itself.The Story We InheritedMoney was supposed to be a promissory note for the gold reserves one actually held. The paper was a symbol - pointing at something real, something held in a vault somewhere, something that could be touched.Then the notes began circulating. And the longer they circulated, the more people forgot what they were pointing to. Eventually, the circulation gave rise to the idea of turning the notes into currency itself. The symbol became the standard. It became backed not by gold, but by story - a story so strong, so repeated, so programmed into every transaction of daily life, that we began to mistake it for the truth.We placed a middleman between ourselves and our needs. And somewhere along the way, we forgot we had done it. Perhaps, by design. Here is what the story never tells you: the gold itself did not arrive innocently.In 1302, Pope Boniface VIII issued Unam Sanctam, declaring papal authority supreme over all earthly power - making the Earth itself, philosophically, ownable. A century and a half later, that claim became economic policy. Dum Diversas (1452) authorized the enslavement of non-Christians across the globe. Romanus Pontifex (1455) granted Portugal the right to colonize and extract across Africa and the New World. Inter Caetera (1493) extended the same to Spain and the Americas.These were the founding economic legislation of the extractive world we live in - all cloaked in religious language.What followed was centuries of forced extraction. Economists Flynn and Giráldez have documented that colonial American silver - mined through indigenous forced labor in Potosí and across Peru and Mexico - became the standard monetary foundation of early global trade. The gold in the vault was never simply there. It was coercively taken.And then, on August 15, 1971, even that material trace was erased. President Nixon closed the gold window, ending the Bretton Woods system and severing the dollar's convertibility to gold. According to the Federal Reserve's own record, the international community was not consulted. From that moment, currency was backed by nothing but the authority of the government printing it.Knowing that we wrote ourselves into this story, we are now remembering that we can write ourselves out of it. Not only by writing new stories, but by reconnecting with stories that existed long before our current economic situation - stories that are still alive, still practiced, still remembered by the communities that never abandoned them.What Has Always WorkedBefore the conquest of certain nations to centralize power into their hands, other societies practiced more communal and regenerative ways of exchanging value. To them, considering other people and the Earth itself was not an ethical add-on. It was integral to the flourishing of their economies.Pre-colonial PhilippinesLong before the Spaniards arrived, the Philippine archipelago was a major hub in the maritime Silk Road - one of Asia's most active trade networks. Communities exchanged with Chinese, Japanese, Arab, and Indian traders at coastal ports and river settlements.The archipelagic geography made it impossible to consolidate wealth in any single place. Different tribes like the Maranao exchanged surplus agricultural produce, textiles, metalware, and forest products through robust barter systems built on kinship ties and alliances among polities. Value moved between two people who chose to relate. No middleman. Mutual trust was the economic infrastructure.Andean PeoplesThe Quechua people organized their economy around a relational foundation that lives in the language itself. Ayni - sacred reciprocity. Minka - collective community work. Randi-Randi - generalized reciprocity, the understanding that what circulates returns. All three connect to the broader principle of Sumak Kawsay: good living in right relationship with community, land, and the living world.Sumak Kawsay does not separate prosperity from the wellbeing of ecosystems. It understands them as one thing. This recognition runs so deep that Ecuador enshrined it as the central guiding principle for its national development in its 2008 constitution - the living legal inheritance of an ancient economy that knew how to stay.Haudenosaunee in North AmericaIn their 1981 formal statement to the United Nations, the Haudenosaunee Council of Chiefs articulated what their communities had practiced for centuries: that the earth was created for all to use, forever - not for the present generation to exhaust. Under their law, land is held by the women of each clan, who farm and care for it for the benefit of future generations.The Haudenosaunee saw land as a responsibility to be stewarded in trust. Anthropologist Kurt Jordan from Cornell University documented their economic practices and described them as “a reasonably sustainable, localized economy” even under intense external pressure. They had embodied communal stewardship long before theories about such things were written down.Southern Africa“I am because we are.”This is Ubuntu - the philosophy at the core of both social and economic life across Southern Africa. Communities in South Africa and Mozambique relied on mutual aid networks, intergenerational knowledge systems, and participatory rituals as practical economic infrastructure. These systems enhanced community cohesion and collective resilience precisely in the moments when extractive economies failed them. They understood, bone-deep, that no human being thrives in isolation.Diversity of Regen Economic SystemsMany communities across continents are actively rebuilding economic systems beyond the extractive model. The following are not theoretical. They are actively running. Hence, the more diversity of economic systems each person and community practices, the more abundant, unbreakable and independent we are from degenerative systems from governments and corporations that want to control it all. The Commons FoundationOne body of research forms the intellectual foundation for nearly all of them: the life's work of Elinor Ostrom, the first woman to receive the Nobel Prize in Economics. Ostrom spent decades documenting over 800 cases of communities successfully governing shared resources - in Switzerland, Kenya, Guatemala, Nepal, and beyond - without either privatization or state control.Her conclusion was simple and radical: communities do not inevitably destroy what they share. Given the right institutional design, they protect it and pass this duty to the next generation. And her eight design principles for successful commons governance - the framework that emerged from all that fieldwork - describe, as she herself acknowledged, the same governance systems that indigenous communities had been practicing for centuries.Her work is not a new idea. It is a confirmation of ancient ones.Regenerative Economics | Beyond ReFi - The Whole-Systems VisionWhen most people first encounter the term “regenerative economy,” they arrive through crypto. Through ReFi - regenerative finance - and the promise of blockchain as a tool for funding ecological restoration, decentralizing power, and making impact transparent. These are real contributions. They matter.But John Fullerton, founder of the Capital Institute and one of the most rigorous thinkers in this field, spent two decades on Wall Street before arriving at a different and more fundamental question: what if the entire framework of modern finance is running in conflict with how life actually works?Fullerton's work focuses on building an economic framework that supports the long-term health of people, communities, and the planet - not by tweaking the existing system, but by replacing its underlying logic. His core argument is that we are running our society in conflict with the patterns and principles that explain how life works.His answer is what he calls regenerative economics: eight principles drawn from living systems science that describe how healthy economies - like healthy ecosystems - actually function. Diversity. Balance. Circular flow. Robust circulation. Surplus financial capital, in his framework, needs to be recycled and regenerated into other forms of capital - natural, social, and cultural. Not hoarded nor extracted. Composted back into the living system that produced it.ReFi, in Fullerton's framing, is one tool within this larger architecture. Blockchain can decentralize power. Tokenized nature credits can make ecological value legible to markets. Community currencies can circulate value locally. But the technology is only as regenerative as the values underneath it. A crypto project built on extraction logic is still extraction, regardless of the chain it runs on.Regenerative economy is not a financial product. It is a civilizational shift - in how we measure wealth, in what we decide to protect, in whose voices count when decisions are made. ReFi is welcome in that shift. It is one current in a much larger river.Time BanksIn Jackson Heights, Queens, a retired nurse named Gloria hasn't touched the formal economy in months for the things that matter most to her. She spends three hours teaching English to a recent immigrant. Those hours become credits. She spends them on home repairs from a neighbor who knows carpentry. He spends his credits on childcare. The loop keeps moving.This is a Time Bank - a community exchange system built on one radical premise: everyone's time is worth the same. One hour of legal advice equals one hour of gardening equals one hour of emotional support. The hierarchy of market wages disappears. What remains is a web of people who need each other.Edgar Cahn, who developed Time Banking in the 1980s after surviving a near-fatal heart attack, called it “co-production” - the idea that the economy needs what the market can never price: care, community, civic participation, the work of raising children and holding elders. Time Banks make that invisible labor visible, and circulate it back into the community that produced it.Today there are over 500 Time Banks operating in more than 30 countries. Some have formalized into neighborhood institutions. Others run through apps. All of them rest on the same foundation the Quechua called Ayni - sacred reciprocity - translated into the language of modern urban life.Mondragon CorporationThe Mondragon Corporation in Spain's Basque region remains the most studied proof that democratic ownership functions at scale. Founded by six worker-owners in 1956, it now comprises 96 cooperatives employing over 70,000 people, with annual revenues exceeding €11 billion. Workers own the company collectively, vote on strategy at general assemblies, and operate under a constitutionally capped pay ratio of 6-to-1 between the highest and lowest earners.Traditional Dream FactoryIn a 25-hectare village in Alentejo, Portugal, Traditional Dream Factory is a living prototype of the self-sustaining regenerative community - blending collective ownership, ecological restoration, intentional community, and decentralized economy in one working place. They have raised over €1.25 million in total capital across 280+ token holders. Their 2026 build phase is completing co-living rooms, artist studios, a farm-to-table restaurant, a mushroom farm, and a biopool wellness space.AtreyuInvestment, as most of us have encountered it, prioritizes short-term financial returns above all else. Atreyu challenges this at the root by approaching investment through living systems principles and deep relational due diligence. They support their investees to ensure that both the enterprises and the ecosystems they steward realize their potential - together. They focus on early-stage businesses and actively encourage steward-ownership models that enshrine self-governance and purpose orientation.Muyu CoinOne of the first social coins in South America, Based in Ecuador - Muyu serves as an alternative exchange system rooted in community trust and an understanding of sacred economy. It protects the sovereignty of communities in their production, distribution, exchange, consumption, and post-consumption - keeping the loop of value inside the community rather than extracting it outward. It uses Cyclos, an enchrypted platform, a base.It first did an attempt to start in 2015, but not many people showed interest. It then came back very strong in 2020, due to the “plandemic”. People felt the need to have alternative ways to transact that was not controlled by limiting governments. Giving communities complete independence. Currently with over 150+ members who are exchanging goods and services in different nodes throughout the country. From food produce, clothing and art -to- car mechanic, dentists and school teachers serving to the community.Grassroots EconomicsFounded in Kenya, Grassroots Economics supports communities in building their own self-sustaining economies - even when national currency is scarce - through a model called Commitment Pooling.Consider Wanjiru, a vegetable seller in Mombasa's Bangla Pesa network. During a slow week when Kenyan shillings are tight, she issues a Community Asset Voucher - a commitment to provide vegetables - and deposits it into a communal pool. Her neighbor, a carpenter named Kamau, redeems it. He offers his own labor in return. The loop closes. Food reaches a family that needed it. A roof gets repaired. No national currency changes hands.This is not a workaround. It is a return to how value was always supposed to move.Since Grassroots Economics was established in 2010, they have supported 26,600 people across 290+ communities, issuing over 2,140 vouchers. Their protocol is inspired by indigenous Rotational Labor Associations similar to Kenya's mwethya and harambee traditions. It is open-source and blockchain-agnostic - meaning any community, anywhere, can deploy it.The Choice in Front of UsThese regenerative endeavors share one answer to the core assumption of the extractive economy: the economy does not need to extract in order to function. Value can circulate and regenerate rather than accumulate. Ecological health, community resilience, and the wellbeing of the next generations are not costs to minimize - they are the actual metrics that demonstrate economic success.The question is no longer whether it is possible. It is happening. The question is whether enough of us choose to participate in building it, and whether we remember our roles as stewards of the Earth that has always sustained us.We get to choose the future we want for ourselves, our children, and the seven generations that come after.Your Role in the Regenerative EconomyReading this is already a kind of remembering. The question that follows is simple: where do you begin?The regenerative economy is not waiting to be invented. It is waiting to be joined. Every one of the models described here started with a small group of people who decided to practice a different relationship with value - before it was proven, before it was popular, before it was funded.Here are real entry points, available now:Start with your immediate circle. Identify three skills or resources you have in excess - time, knowledge, food from a garden, tools sitting unused. Offer them. Ask for what you need in return. This is Ayni. It requires no platform, no signup, no permission.Relocalize your spending. Every dollar (fiat currency) that circulates inside a local economy multiplies its impact without leaving the community. Farmers markets, community-supported agriculture, local cooperatives, regenerative small businesses - these are not lifestyle choices. They are votes for a different system, cast weekly.Find or start a Time Bank in your area. hOurworld.org and TimeBanks.org maintain active directories. If nothing exists near you, starting one requires little more than a spreadsheet and a Telegram/Whatsapp group.Join a community working on this. It can be our Regenerative Leadership Community from www.regenerativeculture.life is one place. There are others - transition towns, ecovillages, commons networks - in most regions of the world. Find your people. The regenerative economy is, at its root, a relationship economy. It does not work alone.Learn the language. Permaculture design, commons governance, cooperative economics, sacred reciprocity - these are not abstract concepts. They are practical skills with deep traditions behind them. The more fluent you become, the more useful you are to the communities building this.The scale of what needs to change can feel paralyzing. It is not meant to. The models described in this article did not begin at scale. Mondragon began with six people. Grassroots Economics began in one neighborhood in Mombasa. The Quechua did not design Ayni for a movement - they designed it for a harvest.Start where you are. With what you have. With whoever is near you. That has always been enough to begin. It's not easy, but it is possible.Written by Gertie Farenas and Yoshi Pantera - 90% by us humans and 10% AI assisted.This Audio is recorded by a true voice - Yoshi PanteraThis article is part of the Regenerative Culture Chronicle - a publication exploring the ideas, practices, and communities building a world that benefits all life.Learn more at RegenerativeCulture.LifeThanks for reading Regenerative Culture Chronicle! This post is public so feel free to share it.Regenerative Culture Chronicle is a reader-supported publication. To receive new posts and support our work, consider becoming a free or paid subscriber. Thank you! Get full access to Regenerative Culture Chronicle at regenerativecultureworld.substack.com/subscribe
Aubrey Masango is joined by Kenanawo Christopher Mashupye, HR practitioner and Director of Mashupye HR Consulting Services, to discuss Mutual Separation Agreements. They unpack the legal traps, key Labour Court rulings, and what both sides must know before signing. The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 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/@CapeTalk567See omnystudio.com/listener for privacy information.
The Modern Therapist's Survival Guide with Curt Widhalm and Katie Vernoy
The Seven Stages of Queer Love: Therapy with Queer Couples, Queer Sex, and the Developmental Model - An Interview with Tom Bruett, LMFT Tom Bruett, LMFT on the seven stages of queer relationship development, the Developmental Model, queer couples therapy, and queer sex. Curt and Katie talk with Tom Bruett, LMFT, founder of the Queer Relationship Institute, about what therapists most often get wrong when working with queer couples, why queer sex is still treated as an asterisk in most sex therapy training, and how the Developmental Model of Relationship Therapy can be expanded to better reflect queer experience. Trained under Drs. Ellyn Bader and Peter Pearson, Tom adds two stages to the five-stage Developmental Model: Second Queer Adolescence and Agreement. The expanded seven-stage model gives therapists a clearer way to track differentiation, autonomy, and connection in queer relationships that do not fit the standard "relationship escalator." Tom is the author of The Go-To Relationship Guide for Gay Men: From Honeymoon to Lasting Commitment (Jessica Kingsley Publishers). This is a useful conversation for therapists working with queer couples, sex therapists, couples therapists trained in heteronormative models, and queer therapists looking for better tools and community for this work. In this episode, we discuss: - What therapists most often get wrong with queer couples and queer sex - The Seven Stages of Queer Relationship Development, including Tom's two additions - Why a "second queer adolescence" matters clinically - Mutual interdependence versus codependence in gay male relationships - Minority stress, the relationship escalator, and queer identity formation - How the current political moment is showing up in queer couples therapy - Trauma activation, nervous-system regulation, and slowing the work down - Support for queer therapists working through a difficult cultural moment Timestamps: 02:28 - What therapists get wrong with queer couples and queer sex 04:43 - Sex therapy training and the asterisk problem 08:20 - The Seven Stages of Queer Relationship Development 13:00 - Mutual interdependence versus codependence 17:39 - The relationship escalator and minority stress 21:14 - The current political moment in queer couples therapy 25:18 - Trauma, regulation, and slowing down the work 27:08 - Writing The Go-To Relationship Guide for Gay Men 33:21 - Doing the work on the back end, not asking clients to educate you 34:13 - Where to find Tom and the Queer Relationship Institute Guest Bio: Tom Bruett, LMFT is a therapist, trainer, consultant, and author who works extensively with the queer community. He is the founder of the Queer Relationship Institute, which provides therapy for queer folx and training for therapists who work with queer relationships. Tom has trained under Drs. Ellyn Bader and Peter Pearson in the Developmental Model of Relationship Therapy, which he now trains other therapists in. His book The Go-To Relationship Guide for Gay Men: From Honeymoon to Lasting Commitment is published by JKP. Tom has spoken at national conferences including AASECT. Learn more at www.QueerRelationshipInstitute.com. Full show notes and transcript: mtsgpodcast.com Join the Modern Therapist Community Patreon: https://www.patreon.com/c/mtsgpodcast Facebook Group: https://www.facebook.com/groups/therapyreimagined Modern Therapist's Survival Guide Creative Credits Voice Over by DW McCann: https://www.facebook.com/McCannDW/ Music by Crystal Grooms Mangano: https://groomsymusic.com/
Get in your tops and tails for Monday Matinee's special of Orson Welles', incredible seven part performance for Mutual of "Les Miserables"! And now, Part Five "The Grave" for Mutual Presents!
Facts & Context: The Quiet Ways People Are Trying To Survive Right NowA lot is going wrong right now. But people are not waiting around. Here are five impactful ways communities are surviving and fighting back.1. Food SNAP participation has dropped by 3.5 million people since last July and the Congressional Budget Office projects 2.4 million people will lose benefits every month over the next decade. In response people are building community refrigerators, mutual aid networks, community gardens, and buy nothing groups. Find your local mutual aid network or buy nothing group this week. If one does not exist start one.2. Energy Energy prices are rising at double the rate of inflation. Balcony solar — also called plug-in solar — is a practical response. Systems start at $200, plug into a standard outlet, require no major installation, and can save households hundreds annually. More than 30 states have passed or introduced legislation to expand access. Search balcony solar and your state to see where things stand.Sources:● World Resources Institute● Canary Media● State Affairs3. Mental Health 49,000 Americans died by suicide in 2024. Therapy costs $100 to $200 per session without insurance. People are turning to peer support networks, online communities, and faith spaces to bridge the gap. Check out Open Path Collective for affordable therapy options starting at $30.4. Voting Rights A federal court just blocked Alabama's discriminatory congressional map. That is a win. People are organizing at the local level — school boards, city councils, county commissions. Local elections have direct impact on your daily life. Find out when your next local election is and show up.5. Community Community is not a buzzword. It is a survival strategy. Mutual aid, peer support, showing up for strangers — this is how people have always survived the unsurvivable. Do one thing this week for someone outside your immediate circle.Everything begins with a conversation. What are you doing to survive this moment?I write about faith, justice and moral clarity, giving language to the things you feel but struggle to say. Become a paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit malyndahale.substack.com/subscribe
For this month's bonus episode, we're back on Baker Street for my five favorite radio adaptations of Sherlock Holmes adventures penned by Arthur Conan Doyle. Basil Rathbone and Nigel Bruce star in "The Speckled Band" (originally aired on Mutual on November 12, 1945), and Bruce and Tom Conway star in "The Adventure of the Dying Detective" (originally aired on ABC on February 3, 1947). Then, John Stanley and Alfred Shirley are Holmes and Watson in "The Red Headed League" and "The Sussex Vampire" (originally aired on October 12 and December 14, 1947). Finally, John Gielgud and Ralph Richardson take center stage in a British radio production of "A Scandal in Bohemia."
The Cybercrime Wire, hosted by Scott Schober, provides boardroom and C-suite executives, CIOs, CSOs, CISOs, IT executives and cybersecurity professionals with a breaking news story we're following. If there's a cyberattack, hack, or data breach you should know about, then we're on it. Listen to the podcast daily and hear it every hour on WCYB. The Cybercrime Wire is brought to you Cybercrime Magazine, Page ONE for Cybersecurity at https://cybercrimemagazine.com. • For more breaking news, visit https://cybercrimewire.com
Sermon preached by Fr. Ben Sternke at The Table's worship service on May 24, 2026, (Pentecost).
Too many options isn't freedom. It's paralysis dressed up as possibility. David Epstein, investigative journalist and author of the bestseller Range, is back with a counterintuitive idea: the constraints you've been avoiding might be the exact thing that unlocks your best work. His new book, Inside the Box: How Constraints Make Us Better, makes the case that boundaries don't limit you. They focus you. You'll hear how a company in the early nineties assembled arguably the greatest collection of tech talent ever, had unlimited resources, and still collapsed under the weight of its own options. Meanwhile, two people who left that company with small, focused projects built eBay and the Palm Pilot. The lesson isn't about talent. It's about the bounding box. David introduces his BCS Press Release framework: batch your work so you're not toggling all day, make your commitments visible so you can actually subtract the right ones, use satisficing rules to make decisions without drowning in choices, and write the press release before you start anything, so you know what matters before you're too deep in to see clearly. This conversation also gets personal. David talks about the childhood arm injury that ended his baseball career and pushed him toward running and memory techniques he still uses today. He opens up about forgiveness, about the grudges that are hard to shake, and about the Harvard Study of Adult Development, the longest study of human happiness ever conducted, which concluded that happiness is love. Real relationships. Mutual obligation. The stuff you keep forgetting to schedule. David's socials: Website Instagram X David's books: Inside the Box: How Constraints Make Us Better Range: Why Generalists Triumph in a Specialized World The Sports Gene: Inside the Science of Extraordinary Athletic Performance In this episode you will: Discover why having too many options can kill your creativity and how the psychology of the path of least resistance explains it Learn the BCS Press Release framework for batching work, making commitments visible, and using satisficing rules to stay focused Understand the difference between kind and wicked learning environments and why the 10,000-hour rule only applies to one of them Explore what MIT, Northwestern, and Census Bureau research reveals about the average age of fast-growing startup founders and why late bloomers have an edge Apply the subtractive neglect bias and the subtraction game to cut commitments and create more clarity in your work and relationships For more information go to https://lewishowes.com/1932 For more Greatness text PODCAST to +1 (614) 350-3960 Follow The Daily Motivation for essential highlights from The School of Greatness More SOG episodes we think you'll love: Lewis Howes Solo [5-Step Mental Reprogramming Process] Emma Grede Kevin Love TOPICS David Epstein, Inside the Box, Range, constraints and creativity, BCS Press Release framework, kind vs. wicked learning environments, 10000-hour rule, Harvard Study of Adult Development, satisficing rules, subtractive neglect bias Get more from Lewis! Get my New York Times Bestselling book, Make Money Easy!Get The Greatness Mindset audiobook on SpotifyText Lewis AIYouTubeInstagramWebsiteTiktokFacebookX Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode, we are joined by Shelly Antoniewicz, Chief Economist at the Investment Company Institute (ICI), for a data-rich exploration of the modern fund industry. Shelly walks us through the staggering scale of global regulated funds, how ETFs and mutual funds shape capital allocation, and why the rise of indexing may not be as disruptive as critics fear. We discuss the growth of ETFs versus mutual funds, increasing concentration among large fund sponsors, and how financial advisors are reshaping portfolios around low-cost investment products. Shelly also explains why fund fees keep falling, how 401(k) plans have democratized investing for middle-class households, and why investor choice remains central to healthy capital markets. Along the way, we unpack active ETFs, intraday liquidity, interval funds, private credit exposure, and the evolving role of retail investors in financial markets. Key Points From This Episode: (0:00:00) Introducing Shelly Antoniewicz and the role of the Investment Company Institute. (0:01:14) The Investment Company Fact Book and why it has become a foundational resource for fund industry data. (0:03:31) Regulated funds globally now account for roughly $88 trillion in assets. (0:04:47) The U.S. market contains nearly 17,000 investment companies across mutual funds, ETFs, and related structures. (0:05:40) U.S. equity funds alone hold roughly $27 trillion in assets. (0:06:52) More than half of mutual fund and ETF assets are now in index strategies. (0:07:40) Why index funds still represent only a minority share of the overall U.S. stock market. (0:09:48) What academic research says about indexing's impact on price discovery and market efficiency. (0:13:10) There are nearly 770 fund sponsors in the U.S., though industry concentration continues to rise. (0:13:42) ETF sponsors experienced enormous inflows in 2025, with 90% receiving net new cash. (0:15:23) Why the largest fund complexes now control a much larger share of industry assets. (0:16:06) Compliance costs and regulation as drivers of industry consolidation. (0:17:31) Falling expense ratios as evidence that the industry remains highly competitive. (0:19:28) How investor flows often reflect rebalancing behavior rather than performance chasing. (0:22:32) Why ETF investors highly value intraday liquidity, even if most do not actively trade. (0:23:27) Research on ETF trading behavior among younger investors and retail participants. (0:27:11) The massive shift from actively managed U.S. equity mutual funds toward indexed products. (0:27:51) How financial advisors increasingly use model portfolios built around ETFs. (0:31:20) Why active ETFs exploded in popularity after the ETF rule streamlined launches. (0:32:31) The growing distinction between ETF wrappers and investment strategies themselves. (0:33:05) Leveraged and niche ETF products, investor choice, and financial education. (0:35:48) More than half of U.S. households now own regulated investment funds. (0:36:41) How 401(k) plans dramatically increased middle-class participation in capital markets. (0:39:16) Households remain the dominant owners of mutual fund assets. (0:40:28) The demographic profile of the typical mutual fund-owning household. (0:41:16) ETF-owning households tend to skew younger, wealthier, and more risk tolerant. (0:42:03) Mutual fund assets continue to grow despite persistent outflows toward ETFs. (0:43:39) How investor risk tolerance changes with age and market conditions. (0:46:22) Economies of scale and the continued decline in fund fees. (0:47:51) Interval funds, BDCs, and the rise of regulated private credit products. (0:49:36) Redemption caps and liquidity management inside interval funds. (0:52:51) Shelly reflects on the enduring popularity of the Investment Company Fact Book. (0:55:05) Shelly's definition of success: raising children who tell you they love you. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)
Tom Haberstroh, producer Anthony Mayes and Pulitzer Prize Winner Amin Elhassan break the code on who's really in the wrong when it comes to Bucks players being late for the team plane. Truth Teller Ethan Strauss of House of Strauss returns to the program to discuss the epic first game of the Thunder/Spurs series, whether this is the type of game Adam Silver and Coach K were visualizing, why Amazon was upset about Shams revealing the MVP and how Bob Myers feels about Daryl Morey. Subscribe to the Illuminati YouTube Channel Basketball Illuminati is now part of the Count The Dings Network. Join the Count The Dings Patreon to support the show, get ad free episodes and exclusive content at https://www.patreon.com/countthedings ILLUMINATI MERCH HAS RETURNED - Check it out here: https://bit.ly/CTDMERCH Follow Basketball Illuminati! On Apple or Spotify Email us: basketballilluminati@gmail.com Twitter: @bballilluminati Instagram: @basketballilluminati Learn more about your ad choices. Visit megaphone.fm/adchoices
Episode Summary In this episode of Prosperity Thinkers Podcast, hosts Spencer Shaw and Kim Butler break down one of the most misunderstood financial topics of 2026: where to safely store cash in an unpredictable economy. As markets fluctuate and interest rates remain uncertain, Kim explains why cash is more than an emergency reserve — it's a strategic tool for solving problems and capturing opportunities. The conversation explores why many families are underprepared financially, the importance of emergency and opportunity funds, and why whole life insurance policies from mutual insurance companies can function as a powerful long-term cash asset. The episode also dives into the "time value of money," borrowing against cash value instead of withdrawing savings, and why comparing loan interest rates incorrectly creates confusion in online financial conversations. Spencer and Kim challenge modern "bro finance" narratives and explain why wealthy individuals and institutions often maintain larger cash positions than most people realize. This episode is a practical discussion about liquidity, flexibility, leverage, and financial preparedness in uncertain times. Links & Resources For resources and additional information of this episode go to Empower Your Finances With Our Prosperity Podcast Empowering Parents, Nurturing Futures - Prosperity Parents Kim D. H. Butler Keywords Cash flow Whole life insurance Emergency fund Opportunity fund Financial freedom Cash value insurance Infinite banking Liquidity Time value of money Passive wealth strategy Wealth preservation Interest rates Financial preparedness Investment strategy Borrowing against assets Mutual insurance companies Compound interest Financial education Real estate investing Wealth building Episode Highlights 00:00–00:40 – Spencer introduces the episode by discussing the uncertainty of the 2026 market and interest rate environment. 00:00–01:05 – Kim explains why cash is essential for both emergencies and opportunities. 00:01–02:20 – Discussion on why most families lack properly funded emergency and opportunity funds. 00:02–03:00 – Kim shares why some investors should hold up to 40% of their assets in cash. 00:03–03:34 – Mutual life insurance companies are introduced as strategic cash storage vehicles. 00:03–04:27 – Spencer references Berkshire Hathaway's massive cash holdings to support the concept. 00:04–05:14 – Difference between inaccessible cash and usable cash value inside whole life insurance. 00:05–06:25 – Kim explains the "time value of money" and why withdrawing savings interrupts compounding growth. 00:06–07:04 – How borrowing against life insurance cash value works in practice. 00:07–08:03 – Real estate down payment example using policy loans while preserving asset growth. 00:08–09:01 – Warning against comparing the wrong interest rates in financial strategies. 00:09–10:21 – Kim breaks down the four financial "lanes" people confuse when evaluating cash value strategies. 00:11–12:00 – Discussion about why life insurance policy loans cannot suddenly be called due like traditional leverage. 00:12–12:41 – No approval process required for borrowing against life insurance cash value. 00:13–14:14 – Final takeaway: build a strong financial foundation instead of chasing temporary financial hacks.
Our month-long salute to mystery writing legends continues with the queen of crime herself - Agatha Christie. She wrote over sixty novels, dozens of short stories, and created two of the genre's most beloved sleuths - Hercule Poirot, the fastidious and brilliant Belgian detective, and Miss Marple, the kindly amateur investigator. We'll hear four of Dame Agatha's tales recreated for radio: "The Murder of Roger Ackroyd" with Orson Welles as Poirot from The Campbell Playhouse (originally aired on CBS on November 12, 1939); "The Tragedy of Marsdon Manner" from Murder Clinic (originally aired on Mutual on October 6, 1942); and "The ABC Murders" and "Where There's a Will" from Suspense (originally aired on CBS on May 18, 1943 and February 24, 1949).
Segment 1 • Todd Friel turns a “Mother's Day sermon” into a direct challenge to husbands: do you actually know your wife beneath surface-level habits? • “I've been married 20 years… but do I really understand her heart?” — the uncomfortable marriage question most men avoid. • Why are so many Christian marriages stuck in behavior management instead of real spiritual intimacy? Segment 2 • What secretly drives your wife's fear, frustration, or anger — and have you ever bothered to ask? • Todd and Jimmy unpack the “deeper conversations” that could completely change the emotional temperature of your home. • “How am I doing as a husband?” sounds brave… until you hear the answer. Segment 3 • Egalitarianism vs. complementarianism: does the Bible really teach “mutual submission” in marriage? • Todd tackles the controversial debate around authority, leadership, and whether modern Christians are redefining biblical roles. • If husbands are called to lead, what does Christlike leadership actually look like without becoming domineering? Segment 4 • First-century Rome treated women like second-class citizens — so why were Peter's commands to husbands considered shocking? • Todd argues Christians are fighting the culture war the wrong way — and offers a far more radical alternative. • What if honoring bad leaders, difficult spouses, and harsh authorities is actually the church's greatest countercultural weapon? ___ Thanks for listening! Wretched Radio would not be possible without the financial support of our Gospel Partners. If you would like to support Wretched Radio we would be extremely grateful. VISIT https://fortisinstitute.org/donate/ If you are already a Gospel Partner we couldn't be more thankful for you if we tried!
© 2020-2026 Ivy Podcast Discovery LLC
