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In this episode, Paul Merriman details his upcoming presentations at Western Washington University, where he will be connecting with students, professors, and staff about the critical importance of personal finance education. Paul also gives practical investing advice, including a hands-on guide to using Morningstar's chart and comparison tools to analyze mutual funds and ETFs.Special Feature: Free Online Financial Literacy CoursePaul spotlights a fantastic, free multi-week financial literacy course led by Alan and Katie Donoghan—nationally recognized educators from the UK. This course is perfect for first-time investors of any age, as well as anyone looking to build a solid foundation in personal finance.Course Dates:The next session starts 2 June 2025 at 8pm UK time. Sessions run weekly throughout the summer.What's included: Engaging lessons on investing basics, budgeting, mortgages, and money management—delivered in a fun, approachable style.Format: Live online sessions (with replays on YouTube), each followed by an expert Q&A.Who's it for: Anyone—from college students to adults in their 40s or 50s—looking to take control of their financial future.Previous students give rave reviews: Over 15,000 people have enrolled, with glowing testimonials from participants who now feel confident and empowered about their finances.How to join: Register here for free and find the intro video and full schedule. All sessions are accessible worldwide.Morningstar Tools & Tables Referenced:Paul walks listeners through using Morningstar's chart and comparison features, specifically referencing the following funds and time periods:VFINX (Vanguard 500 Index Fund):Time period: From August 31, 1976 to May 23, 2025Used to illustrate long-term S&P 500 performanceTESIX (Franklin Mutual Shares Fund):Time period: From August 31, 1976 to May 23, 2025Compared side-by-side with VFINX to show how a value fund performed versus the S&P 500 over nearly 50 yearsDFLVX (DFA US Large Cap Value Fund):Time period: From 1993 to 2025Compared with TESIX and VVIAX for large cap value performanceVVIAX (Vanguard Value Index Fund):Time period: From 1993 to 2025Used for comparison with DFLVX and TESIXDFSVX (DFA US Small Cap Value Fund):Time period: From 2000 to 2025Compared with TESIX for small cap vs large cap value performanceAVUV (Avantis US Small Cap Value ETF):Time period: From 2021 to presentCompared with DFLVX and VVIAX for recent small cap value performanceHow Paul Uses Morningstar:On Morningstar, Paul suggests:Navigating to the “Chart” tab for each fundSelecting “Max” to see the longest available performance historyEntering ticker symbols (like VFINX, TESIX, DFLVX, VVIAX, DFSVX, AVUV) in the “Compare” box to view multiple funds together- make sure any funds being compared to the primary fund have a track record from a date at least as long as the primary fundUsing Morningstar's Chart and Compare tools:Compare VFINX vs TESIX (1976–2025)Compare DFLVX, VVIAX, and TESIX (1993–2025)Compare DFSVX vs TESIX (2000–2025)Compare AVUV vs DFLVX and VVIAX (2021–present)PDF showing the above comparisons
Theres nothing like the feeling being mutual. It feels good when you want the same thing someone else does. How does this look from God's perspective? come join us in the study!
From Mali to Montreal, from May Day marches to Maori resistance, the world's on fire—and people are pushing back. In this episode of Loose Wires, we cover five major stories of revolt and repression: pro-democracy protests in Mali, care worker solidarity in Aotearoa, anarchist actions on May Day, Gaza solidarity at Utrecht University, and the legacy of José Mujica. Plus: Emma Goldman's flaws, Hasan Piker detained, and the trans-led quilt that asserts their continued presence and resilience.✊ Mutual aid links and support resourcesIn Mali, support → Guamina → AJCAD → Amnesty International MaliIn Aotearoa, back → New Zealand Nurses Organisation → PSA NZ (Public Service Association)In the Netherlands, follow and uplift → SRP Netherlands on InstagramSupport trans and queer lives through → Trans Lifeline → For The GworlsHelp keep radical history alive with → AK Press → The Anarchist Library → PM PressCheck out AnComSciComm on FOFANews and follow him on Blueskyhttps://youtu.be/2-oKULEugDs?si=WLAvxp0Cv9dyMHTZ https://bsky.app/profile/ancomscicomm.bsky.social Support the show at patreon.com/skepticalleftist And follow me in all the places https://linktr.ee/Skepticalleftist
They say clothes make the man, but they also make mysteries for this week's roster of radio detectives. George Valentine hunts a killer where the only clue is his distinctive attire in “Death Wears a Gay Sport Jacket” from Let George Do It (originally aired on Mutual on October 18, 1948) and Philo Vance probes the murder of a dress shop owner in the syndicated episode “The Herringbone Murder Case.” Richard Diamond tries to find out why someone keeps stealing blue serge suits (originally aired on ABC on February 9, 1951), and The Saint discovers a bullet hole in the back of his brand-new suit in “Formula for Death” (originally aired on ABC on March 25, 1951). Finally, John Lund stars as Johnny Dollar in “The Rochester Theft Matter,” where a girl is gunned down while wearing a stolen fur coat (originally aired on CBS on May 12, 1953).
Myron McCormick took home a Tony for his performance as gruff but lovable sailor Luther Billis in the original Broadway production of South Pacific, and before his premature passing at the age of 54 he logged several memorable turns on the stage and screen. We'll hear him as an archeologist who may have found a lost treasure in “Door of Gold” (originally aired on CBS on February 10, 1957) and as a mental patient who escapes from the hospital with revenge on his mind in “Madman of Manhattan” (originally aired on CBS on March 8, 1959). Plus, he plays detective in “No Time for Murder” from Crime Club (originally aired on Mutual on September 25, 1947).
Prior to discussing his topic of the day, Paul shares his thoughts on a recent podcast featuring Truth Tellers Tom Cock and Don McDonald, joined by Weston Wellington from Dimensional Fund Advisors. Weston weighs in on some of the most critical issues facing investors right now.Here are the topics on the podcast with Tom Cock and Don McDonald-0:53 Weston Wellington on volatility and market uncertainty2:47 Why volatility is the “price we pay to play”3:32 The media's role in investor anxiety4:57 Should investors act on daily financial advice?6:15 Portfolio changes should reflect personal changes, not headlines7:24 Spam vs. Motorola: A lesson in stock picking9:44 Dimensional's stance on individual stock ownership10:02 Diversification as “the closest thing to a free lunch”11:07 Are alternative investments the new magic bullet?12:43 Mutual funds vs. ETFs—what works best and when15:27 Industry evolution: from 8% loads to indexing dominance18:29 Where Dimensional fits in the modern fund landscape21:01 AI vs. “aggregated intelligence” in managing portfolios24:04 How regular people can find real financial advice25:34 The key to success: Temperament, not timing26:44 Weston's side gig as a roving birthday singer27:58 Why Weston hasn't been invited lately (and he's lonely)Next, Paul highlights a recent article by another Truth Teller, Ben Carlson. In “60/40 Portfolio Corrections, Bear Markets and Recoveries,” Ben breaks down the differences in returns during bear markets and the bounce-back that follows. Inspired by this, Paul explores a question that doesn't get much attention: What's the impact on a portfolio when you apply a 4% fixed withdrawal rate to the nine Sound Investing equity portfolios, each with a 60/40 equity-to-fixed income split? The results may surprise you!Paul notes there's more to come on this topic, as these findings could have a real impact on how investors choose their retirement portfolios.As promised, here are the links to the Sound Investing Portfolios:50% U.S. / 50% International70% U.S. / 30% International
Fresh off of seeing Kendrick Lamar & SZA in concert, we kicked things off by reflecting on our experience at the show. It didn't take too long for another beef to strike in hip-hop, as we reacted to Ray Vaughn's and Joey Bada$$' diss tracks to each other and who we thought took round one. We also touched on the latest drama with Tory Lanez being stabbed in prison and the insane Diddy trial that's revealed more than any of us really need to know... In the second half of the episode, we went down memory lane as we discussed the biggest scandals that happened at our high schools, and also spoke on how success can create unwelcomed expectations when it comes to dealing with family & friends. To wrap things up, we entertained the idea of creating our own rent party business and discussed the difference between mutual aid and fundraising. Tune in and enjoy the conversation!Time Stamps:0:00 - Intro/ What was the last interesting thing in hip-hop music?13:45 - Our experience at the Kendrick Lamar & SZA concert at Gillette Stadium37:30 - Reacting to Tory Lanez being stabbed in prison41:45 - Reacting to Big Sean, Ab-Soul, & Joey Bada$$ cypher48:30 - Joey Bada$$ vs Ray Vaughn/ Who won round 1?1:01:15 - Diddy trial/ Can you be a victim and be complicit?1:14:15 - What was the biggest scandal that happened at your high school?1:20:15 - Is success a double-edged sword?/ Supporting family & friends1:30:30 - Rent parties/ Mutual aid vs fundraising1:52:30 - Outro/ Reacting to negative YouTube commentWatch on YouTube for the Full Experience: https://youtu.be/XEr6U6v3BCMFind us at www.BadForTheCommunity.comFollow us: Instagram | Twitter/X | TikTok
Portfolio Managers Mike Clarfeld and Erica Furfaro highlight how an active investment approach can help manage risk and identify opportunities during a historic period of volatility sparked by Trump 2.0.
Don and Tom welcome Weston Wellington of Dimensional Funds for a rare and richly insightful conversation covering market volatility, media noise, diversification, and the enduring wisdom of index investing. Weston compares Spam to Motorola, skewers financial hype, and champions simplicity in investing—and yes, he might just sing if you let him. The conversation explores how far the financial industry has evolved (and still has to go), why most investors get in their own way, and whether AI or just good old-fashioned “aggregated intelligence” holds the future of smart money management. 0:04 Don's surprise “singing telegram” and guest intro0:53 Weston Wellington on volatility and market uncertainty2:47 Why volatility is the “price we pay to play”3:32 The media's role in investor anxiety4:57 Should investors act on daily financial advice?6:15 Portfolio changes should reflect personal changes, not headlines7:24 Spam vs. Motorola: A lesson in stock picking9:44 Dimensional's stance on individual stock ownership10:02 Diversification as “the closest thing to a free lunch”11:07 Are alternative investments the new magic bullet?12:43 Mutual funds vs. ETFs—what works best and when15:27 Industry evolution: from 8% loads to indexing dominance18:29 Where Dimensional fits in the modern fund landscape21:01 AI vs. “aggregated intelligence” in managing portfolios24:04 How regular people can find real financial advice25:34 The key to success: Temperament, not timing26:44 Weston's side gig as a roving birthday singer27:58 Why Weston hasn't been invited lately (and he's lonely) Learn more about your ad choices. Visit megaphone.fm/adchoices
Fibber McGee and Molly. October 11, 1937. Red net. Sponsored by: Johnson's Wax. Chicago origination. A fun visit to the Wistful Vista auto show. Possibly Harold Peary's first appearance on the program. Jim Jordan, Marian Jordan, Harlow Wilcox (announcer), Ted Weems and His Orchestra, Elmo Tanner (whistler), Perry Como (vocal), Bill Thompson, Harold Peary, Hugh Studebaker. The Columbia Workshop. May 04, 1941. CBS net. "Radio Primer". Sustaining. A funny look at the radio industry from A to Z. The first program of "Twenty-Six By Corwin.". Norman Corwin (writer), Everett Sloane, Frank Gallop.Mr. and Mrs. Blandings. May 13, 1951. NBC net. Sponsored by: Trans World Airlines. Mr. Blandings tries so hard not to forget his anniversary, that he remembers it a week too soon. Part of one of the commercials has been deleted. Cary Grant, Betsy Drake (performer, writer as "M. Winkle"), Warren Lewis (director), Don Stanley (announcer), Alan Reed, Eric Hodgins (creator).Barrie Craig, Confidential Investigator. October 17, 1951. NBC net. "The Judge and The Champ". Sustaining. Al White, a crusading columnist, is murdered after threatening to expose a fixed fight and political corruption. William Gargan, Santos Ortega, Don Pardo (announcer), Frank Kane (writer), Edward King (director). The Black Museum. 1952. Program #6. Syndicated, WRVR-FM, New York aircheck. "The Blue .22". Sponsored by: Participating sponsors. Vivian is a woman scorned, and she has a little blue pistol. The date is approximate. Syndicated rebroadcast date: October 23, 1974. Harry Alan Towers (producer), Orson Welles (narrator), Ira Marion (writer), Sidney Torch (composer, conductor). 2000 Plus. October 10, 1951. Mutual net. "The Rocket and The Skull". Sustaining. The most important man in the country's race to the Moon is wounded in a plane crash...and starts to hear strange messages to Mars! This program has also been dated September 6, 1950. Arnold Robertson, Emerson Buckley and His Orchestra, William Griffis, Sherman H. Dreyer (creator, producer), Robert Weenolsen (producer), Gregory Morton, Nat Polen, Merril E. Joels, Elliot Jacoby (composer), Walt Shaver (sound), Adrian Penner (sound), Bob Albright (engineer), Ken Marvin (announcer). TOTAL TIME: 2:52:41.832SOURCES: Wikipedia and The RadioGoldindex.com
Our dogged detectives sniff for clues in five canine-related old time radio mysteries. First, the owner of the best in show pooches is killed at a dog show in a syndicated adventure of Boston Blackie, and a dog “tells” Sherlock Holmes who murdered his owner in “The Case of the Dog Who Changed His Mind” (originally aired on Mutual on September 28, 1947). Philip Marlowe is on the trail of a dog - though this one is made out of jade - in “The Orange Dog” (originally aired on CBS on January 22, 1949). Barry Sullivan plays The Saint in “Dossier on a Doggone Dog,” a story of a lost dog and stolen jewels (originally aired on NBC on September 24, 1950), and Barrie Craig is hired to walk a dog, only to discover the dog's owner knocked unconscious in “Beware the Walking Dog” (originally aired on NBC on May 3, 1953).
It's a bird! It's a plane! And we're back with season 6 of Superman! This week Mutual Presents is back with the next full serial installment of The Adventures of Superman with another serial. This week the Man from Tomorrow takes on "Candy Myer's Big Story"! Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode I'm joined by Jordan and Prince from The Dugout Podcast for a deep conversation about Black anarchism, radical education, and building community power beyond the state. We talk about what it means to reject authority while reclaiming care, history, and survival. This isn't theory for theory's sake—it's about practice, archives, and keeping each other alive in a world that would rather see us erased. We also get into the ways Eurocentric leftist traditions can fail to meet the needs of marginalized communities, and how Black anarchist thought offers a path grounded in real histories of resistance. This one covers a lot—from revolutionary schools and zines to abolitionist organizing and the role of podcasts in liberatory education.
The highly anticipated federal trial against Sean "Diddy" Combs has begun. The hip-hop mogul is facing charges of racketeering and sex trafficking, and could be sentenced to life in prison if found guilty. So why is his attorney, Marc Agnifilo, telling the court they're going to "take the position that there was mutual violence" in his relationship with the singer Cassie Ventura?Brittany is joined by author Beverly Gooden and Loyola University law professor Laurie Levenson to discuss why "mutual abuse" can often come up in celebrity trials and why the concept itself is inherently flawed.Listen to Brittany's past coverage of Diddy by clicking here.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy
In today's episode, major takeaways from the Powering Bharat Summit — from India's hypersonic missile breakthrough and battle-tested drones to fresh water diplomacy and a hard line on Pakistan-bound exports. Plus, insights on the booming India AI Mission, the coding comeback among tech founders, and a muted FY26 outlook for Piramal Pharma. Also on the radar: Mutual funds trim Adani bets, and the IPL ad rush gathers steam.
In this episode, listeners gain valuable insights into the three key changes that consistently lead to a fulfilling retirement before age 60. Drawing from years of experience working with retirees, host Adam Olson highlights how these pivotal shifts go beyond financial preparation, focusing on purpose, vision, and legacy. With examples from real client stories, listeners will discover the importance of retiring to something meaningful rather than merely retiring from the workforce. Key takeaways from this episode include: • The danger of focusing solely on savings without a clear purpose or lifestyle strategy. • How planning early can avoid common pitfalls like high taxes, Medicare premium increases, and market volatility. • The transformative power of creating a comprehensive retirement strategy that aligns with personal values, generates lifetime income, and ensures a lasting legacy. Adam shares a success story of a couple who, through structured retirement planning, achieved more income in retirement than during their working years. Their journey highlights how thoughtful adjustments—such as Roth conversions and legacy-focused accounts—can lead to financial security and peace of mind. If you're ready to take control of your retirement journey, Adam invites you to fill out a complimentary retirement questionnaire. By completing it, you'll receive a personalized video with tailored advice to optimize your retirement plan. Don't leave your retirement to chance—click the link below to get started and begin building a stress-free future. Take the first step toward a purpose-filled retirement today. Your future self will thank you. “The happiest retirees are those who planned for more than money; they planned for purpose.” - Adam Olson Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website Retirement Quiz -- Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
We go back into the archives to one of the Best of SMR episodes. An email from a wife who has discovered the eroticism and freedom that can happen when masturbating together with her husband. What's the difference between sexual thoughts and lust? A husband wanting to know what to do when he's tried to live in a way that ignites his wife's passion (according to an old post I wrote – https://smr.fm/heads-up-husbands-5-ways-to-ignite-your-wifes-passions/) and yet his wife had an affair. Enjoy the show! On the Xtended version … How do you confront gridlock in your marriage and what are the forced choice dilemmas that come along with them? Sponsors … Everylove Intimates: Add spice and connection to your marriage with a Date Box. Get 20% off with our code SMR at https://everyloveintimates.com/smr Acorns: A financial wellness app that makes it easy to invest for your future, save for tomorrow, and spend smarter today. https://acorns.com/passion Academy: Join the Academy and go deeper. https://smr.fm/academy The post Best of SMR: Mutual Masturbation #728 first appeared on Sexy Marriage Radio.
“Know well the condition of your flocks, and give attention to your herds, for riches do not last forever…” - Proverbs 27:23-24These days, our “flocks and herds” often look like stocks and mutual funds, not sheep and cattle. But the call to wise stewardship remains. One way we do that is through proxy voting. Jerry Bowyer joins us to explain how and why it matters. Jerry Bowyer is the President of Bowyer Research and our Resident Economist here at Faith & Finance. He is the author of The Maker Versus the Takers: What Jesus Really Said About Social Justice and Economics.What Is Proxy Voting?Proxy voting is similar to civic voting. As a citizen, you vote in elections, attend town halls, and even influence legislation. As a shareholder in a company, if you own the stock directly, you have similar rights: to vote on proposals, ask questions, and even submit resolutions.But if you're invested through mutual funds or ETFs, you hand that vote over to someone else—often a fund manager or institution. And unless you know how they're voting, your values may not be represented at all.Many Christian ministries, nonprofits, and even pro-life organizations are unknowingly voting against their own missions. Why? Because they either don't engage in proxy voting or delegate it without vetting the recipient's values.How Can Investors Reclaim Their Voice?Proxy statements are often long, complex, and written in confusing legal language. For that reason, many advisors default to saying, “Just let the client decide,” rather than helping them engage meaningfully.Of course, that's not a good sign because if it's too complex for the advisor, it's definitely too complex for the client. Instead, we encourage advisors and Christian investors to partner with specialists, like Bowyer Research, who can help decode the process and ensure votes reflect biblical values.They offer audits to show investors how they've been voting—often to their shock. They've never done one where people weren't stunned by what they saw.Mutual Funds, ETFs, and the Challenge of Indirect OwnershipIf you're invested through mutual funds or ETFs, you're likely not voting directly. However, that doesn't mean you're powerless. Here are some things to keep in mind:You can request data on how your funds are voting. Bowyer Research tracks that. You can explore “direct indexing” solutions—an increasingly available strategy that allows you to own shares directly and reclaim your voting rights. You can ask your advisor questions. “How am I voting?” is a simple but powerful question. If your advisor can't answer it, that's a red flag.What You Can Do TodayAsk your advisor how your shares are being voted. If they don't know, press in.Get an audit of your proxy voting records through BowyerResearch.com.Talk to companies, not just about them. Change happens through engagement, not complaint.If you're an investor, advisor, or leader at a Christian ministry or nonprofit, don't let your investments work against your mission. Visit BowyerResearch.com to learn how to align your proxy voting with your values.On Today's Program, Rob Answers Listener Questions:I'm 27 and own 20 acres of land. Should I use the land as collateral for a house loan, or use my saved money to get a bigger loan and increase my land's equity?I opened a Roth IRA with National Life Group in 2013. It's past the surrender fee date, but it's not earning me much. I'll be 66 in July, and I'm single with no one to depend on. I also have another annuity with F and G that I'm not happy with. What should I do with these investments?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bowyer ResearchWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
For nearly ten years, Kevin Ingram knocked on S&P's door, arguing that FM's A‑plus rating undervalued its balance sheet. Other agencies, such as Fitch, already had the mutual insurer at AA. Each visit, Ingram presented fresh data; each time, the agency hesitated, wary of revising a long‑standing mark. Last summer, six months after FM dropped “Global” from its name, S&P finally moved, lifting the company to AA‑minus—a hard‑won validation.Throughout the campaign, Ingram stressed a core belief: “capital is our product.” By capital, he means policyholders' surplus—the net assets that back every policy. That surplus, he tells us, doubled from $12 billion in 2014 to $26 billion today, even as insured exposure expanded far more modestly. The widening cushion lets FM keep more risk on its own books, ride out catastrophe swings, and focus on clients committed to engineering‑led resilience instead of chasing marginal premium growth.That discipline took shape after the 2017‑18 catastrophe losses, when Ingram led a rigorous re‑underwriting that bolstered profitability and reserves. Drawing on decades of loss data and hundreds of engineer‑captured risk points, his team now deploys AI models to rank mitigation projects for FM's 1,600 core policyholders. Those accounts generate over $8 billion of the company's $11.2 billion (gross operating) revenue.
Audio, eng_t_rav_2025-05-14_lesson_bs-aravut_n1_p1. Lesson_part :: Daily_lesson 1 :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee)
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Baal HaSulam. The Arvut (Mutual Guarantee), item 29 (18.11.2003)
Audio, eng_t_rav_2025-05-14_lesson_bs-aravut_n1_p1. Lesson_part :: Daily_lesson 1 :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee)
Our Mutual Friend Brewing Company is starting us off this month with some tasty treats at Function PDX NE on Alberta. Paired off with Outer Range whom we'll get into later, OMFB has really impressed us with some of their hefty beers. We get into World Beer Cup, Ben's Bottleshop, some new Breakside action, and of course the long awaited Everywhere Brewing location. Plenty of Vancouver love and awards to celebrate on this episode of Brew Happy!
Audio, eng_t_rav_2025-05-13_lesson_bs-aravut_n1_p1. Lesson_part :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee) :: Daily_lesson 1
Video, eng_t_rav_2025-05-13_lesson_bs-aravut_n1_p1. Lesson_part :: Daily_lesson 1 :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee)
Audio, eng_t_rav_2025-05-13_lesson_bs-aravut_n1_p1. Lesson_part :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee) :: Daily_lesson 1
In this heart-to-heart conversation, I sat down with Heidi Freeman, successful attorney and author of "Love Lessons: 104 Dates and the Stories That Led Me to True Love." Heidi shares how turning 40 sparked her quest to understand what true love looks like by interviewing couples in strong relationships. What began as research turned into 11 core themes about authentic connection. With refreshing honesty, Heidi opens up about her 104-date journey, complete with hilarious mishaps, surprising insights, and the beautiful moment when she finally met her husband Will.This episode cuts through the anxiety about modern dating to remind us that love requires resilience - and is worth 100 disappointing dates.Key MomentsTurning 40: Heidi realized she didn't know what true love looked like or felt like and decided to interview couples in solid partnershipsResearch: Heidi interviewed 50+ couples separately to find themesMutual reciprocity: The most impactful insight was how partners take turns supporting each other through life's wavesThe myth of love at first sight: No one Heidi interviewed mentioned this - instead they talked about initial connection and safetyD04 dates: Heidi shares both hilarious dating disasters and meaningful lessons learnedFinding Will: How she met her husband through yoga connections and recognized the difference in how she feltDating in the wild vs. apps: The benefits of meeting people through activities vs. onlineQuotes"I had to put on my big girl underwear and go back out there." - Heidi on persevering after dating disappointments"I think it's not us. This is the way we are socialized...to value relationships, which is awesome. But then we're also socialized to put our own personal value in relationships, and that's what's harmful." - Sade Curry"Mutual reciprocity and safety... even if you didn't have all the other sprinkles in a relationship, but you had these, you could make a good relationship out of that." - Sade Curry"What if the next date is him? I would constantly say that to myself when I didn't want to go." - Heidi on staying hopefulAbout Heidi:Heidi Freeman (formerly Goldstein, born Eisman) is a successful attorney and partner at a large law firm specializing in environmental law and social and environmental governance-based counseling. She's written her first book, "Love Lessons," chronicling her dating journey and the relationship insights she gained. Heidi has previously written for Bloomberg Law, 360, and other professional publications. She lives in Cleveland Heights, Ohio with her husband Will and their blended family - two children of her own and two bonus children with Will.Connect With Heidihttps://heidifriedman.comhttp://www.instagram.com/lovelessons104Podcast: "I Love You More" with her 22-year-old son Zach (available on Spotify and Apple Podcasts)Book: "Love Lessons: 104 Dates and the Stories That Led Me to True Love" (Available on Amazon, Barnes & Noble, and Goodreads)Ready to Transform Your Dating Life?If this episode resonated with you, I'd love to help you apply these insights to your own dating journey. Book a complimentary dating consultation call with me at sadecurry.com/info and discover how you can build the confidence, clarity, and connection skills to find your perfect match.
Audio, eng_t_rav_2025-05-12_lesson_bs-aravut_n1_p1. Lesson_part :: Daily_lesson 1 :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee)
Video, eng_t_rav_2025-05-12_lesson_bs-aravut_n1_p1. Lesson_part :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee) :: Daily_lesson 1
Audio, eng_t_rav_2025-05-12_lesson_bs-aravut_n1_p1. Lesson_part :: Daily_lesson 1 :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee)
Happy Mother's Day! We're celebrating moms with five old time radio mysteries where they play major roles. In “The Case of the Lucky Shilling,” Sherlock Holmes comes to the aid of a woman whose son is wiped out by a crooked gambler (originally aired on Mutual on January 14, 1948), and George Valentine tries to prove that a woman is not an unfit mother in “Problem Child” from Let George Do It (originally aired on Mutual on June 21, 1948). A woman hires Dan Holiday to prove her son's death wasn't an accident in “Suicide or Murder” from Box 13, and the mother of an escaped convict wants Richard Diamond to send her son back to prison (originally aired on NBC on October 4, 1950). Finally, the cops of Dragnet are on the trail of a serial shoplifter who only steals clothes for children in “The Big Little Mother” (originally aired on NBC on October 6, 1953).
We're back with Mutual Presents and another series of misadventures with Adventures with Maisie double-feature with "Fontaine's Phony Talent Scout Racket" and "Maisie The Financial Counselor" from the Mutual Broadcasting System... Learn more about your ad choices. Visit megaphone.fm/adchoices
Audio, eng_t_rav_2025-05-11_lesson_bs-aravut_n1_p1. Lesson_part :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee) :: Daily_lesson 1
Video, eng_t_rav_2025-05-11_lesson_bs-aravut_n1_p1. Lesson_part :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee) :: Daily_lesson 1
Baal HaSulam. The Arvut (Mutual Guarantee), item 27 (16.11.2003)
Audio, eng_t_rav_2025-05-11_lesson_bs-aravut_n1_p1. Lesson_part :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee) :: Daily_lesson 1
Audio, eng_t_rav_2025-05-10_lesson_bs-aravut_n1_p1. Lesson_part :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee) :: Daily_lesson 1
Video, eng_t_rav_2025-05-10_lesson_bs-aravut_n1_p1. Lesson_part :: Lessons_series. Baal HaSulam. The Arvut (Mutual Guarantee) :: Daily_lesson 1
Mutual respect. It's when two people show respect for each other. .... Respect is defined as the process of honoring someone by exhibiting care, concern, or consideration for their needs or feelings. This should be a HALLMARK of us as Christ followers. And even more apparent at work, with our colleagues. To respect them as co-laborers AND as fellow sons and daughters of God. .... Author Dina Dwyer-Owens says it's been her experience that When we hold ourselves accountable and show mutual respect to others, it's amazing the respect that comes back. So how about you? Are you living mutual respect in your work today?
Today, we're diving into the world of environmental health and clean water with a leader whose work is improving lives—especially the lives of our youngest and most vulnerable.Our guest is Jennifer Hoponick Redmon, the Senior Director of Environmental Health and Water Quality at RTI International—a nonprofit institute committed to delivering the promise of science for global good. Jennifer is also the founding director of RTI's CleanPlus® portfolio, which includes the award-winning Clean Water for Carolina Kids™ program. Under her leadership, this initiative has received national recognition for innovation, impact, and community partnership, including the EBJ Business Achievement Award for Project Merit and the Mutual of America Community Partnership Award.In this conversation, we'll talk with Jennifer about RTI's mission and reach, her work to protect communities from harmful contaminants like PFAS and lead, and why her team is focused on ensuring clean water access—starting with children in schools and childcare centers.We'll also explore what utility companies can do to reduce exposure, how environmental health trends are evolving, and how you can support and connect with this important work.Contact and connect with Jennifer: jredmon@rti.org RTI International: https://www.rti.org/focus-area/RTI-CleanPlus-environmental-testing Hold My Beer Study: https://pubs.acs.org/doi/10.1021/acs.est.4c11265
The Alan Young Show "Mother's Day Contest" May 9, 1947 NBC Family Theater "Vacation for Mom" November 12, 1952 Mutual
Originally Aired May 8, 2025: Drunk uncle vs cocaine bear vs meth raccoon. Mutual manipulation. Everything you wanna know about sexual geography. Listen & subscribe to the show on Apple Podcasts, Spotify or Amazon Music. For more, visit https://www.93x.com/half-assed-morning-show/Follow the Half-Assed Morning Show:Twitter/X: @93XHAMSFacebook: @93XHAMSInstagram: @93XHAMSEmail the show: HAMS93X@gmail.com See omnystudio.com/listener for privacy information.
In this episode, host Adam Olson dives deep into the common 401(k) mistakes that 33% of Americans are making and provides actionable strategies to secure your retirement savings in 2025 and beyond. Drawing on years of experience helping clients protect their financial futures, Adam highlights how a lack of proactive planning, strategy, and professional guidance can lead to devastating losses in your 401(k). Listeners will gain insights into three major pitfalls that can derail a 401(k) plan: failing to adjust contributions after salary increases, losing track of old accounts, and neglecting to align investment strategies with age and retirement goals. Adam emphasizes the importance of consistent planning, understanding investment risk, and consolidating accounts to maximize growth potential. Key takeaways include: • 401(k) Contribution Strategy: Learn why adjusting contributions with wage increases is crucial for long-term growth. • Lost Accounts: Discover how forgotten 401(k)s have led to $1.6 trillion in lost retirement assets—and how to avoid this trap. • Tailored Investments: Understand the importance of aligning your portfolio with your age, goals, and risk tolerance. • Common Myths Debunked: Address misconceptions like automatic account transfers and the dangers of early withdrawals. • The Red Zone Retirement Plan: Explore how a personalized framework can optimize savings, lower taxes, and ensure financial security. Ready to take charge of your 401(k)? Click the link in the show notes to complete the Retirement Questionnaire and receive a personalized video analysis. Don't wait—secure your financial future today! Subscribe now for more insights on protecting and growing your retirement savings. “Forgotten 401(k)s account for $1.6 trillion in lost retirement savings—don't let your hard-earned money disappear.” - Adam Olson Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website Retirement Quiz -- Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Our guests today come to us from the world of fabric design as we welcome Pat & Walter Bravo from Art Gallery Fabrics- Textile Manufacturer in Miami, Florida. Both born in Buenos Aires Argentina, Pat got the sewing bug beside her mother as she sewed…as she dreamed of painting her world with fabrics.As Pat created a gallery in their home with quilts, their son named it an Art Gallery and an idea was born. So, Pat and her husband Walter turned this passion into a company and Art Gallery Fabrics was born. Pat's life always revolved around art, history, sewing and later quilting – while Walter's was all about Entrepreneurship and Commerce regarding awards and accomplishments Pat and Walter have one son, two new puppies Sol & Luna –and many stories to share!(1:42) Pat's mother taught her to sew starting at age 9. Hear the stories of her early journey and why she liked it so much from the start. (3:10) Pat always dreamt of “painting the world with fabric”. Hear what this truly means to her. She takes us through the wonderful progression of events that eventually led to the founding on Art Gallery Fabrics. (7:40)The Art Gallery Fabrics website features a video tour of the Art Gallery Fabrics office. Pat walks you through the features of this video and their office.(10:21) Walter tells how he and Pat met (they've been together now for 40 years!) and why they came to the US.(11:31) Walter initially worked in the carpet industry in Argentina, moving to the garment industry when he moved to the US. He shares the story of his work and the move to Miami.(13:10) Walter explains his extensive role at art Gallery Fabrics. When it comes to the operations…he does it all!(14:15) And…how does each of them feel about working with their spouse!? Mutual trust is the secret.(16:22) Pat and Walter speak fondly of their team and why they have become family.(19:28) Next, they talk about their different designers and how they choose the patterns that become their fabrics.(21:28) What is the look or stye that they work exemplifies? Pat explains how to tell if something is part of Art Gallery Fabrics.(25:14) Both Pat and Walter walk us through the process of dreaming up a design to taking the fabric to the public. Listen for the word “evocative” !(31:48) Do Pat and Walter get to see the creations made from their fabrics? Absolutely! Hear how much that means to them! And quality…? This is the most important aspect of their products…hear why!(33:12) Many of their designs are inspired by experiences and cultures. Pat talks about her favorite…the Indie Collection. (36:04) You've heard their dogs Sol and Luna in the background throughout our conversation. Let's hear their story!(39:11) So, what's next for them…and what's their dream?(41:28) Is there any question that I didn't ask? Well Pat says…I love my husband so very much” and Walter says he feels the same! Partners is every aspect of life.(42:30) What's the best way to contact Pat and Walter? info@artgalleriesfabric.com , Instagram and Facebook too! Be sure to subscribe to, review and rate this podcast on your favorite platform…and visit our website sewandsopodcast.com for more information about today's and all of our Guests.
Paul, Scott, and Lauren discuss their Traitors game, gentlemen's clubs, and the first McDonald's before playing Out of Ten. Send Threetures and emails to threedomusa@gmail.com.Leave us a voicemail asking us a question at hagclaims8.comFollow us on Instagram @ThreedomUSA.Listen ad-free and unlock bi-weekly THREEMIUMS on cbbworld.comGrab some new Threedom merch at cbbworld.com/merchSee omnystudio.com/listener for privacy information.
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