Podcasts about Mutual

Most people think the 401(k) crisis happens because they didn't save enough. The truth?The real crisis happens when retirees fail to convert their nest egg into reliable, sustainable income.In this episode, Adam Olson, CFP®, breaks down why so many hardworking savers still feel anxious at retirement—even with strong balances—and how to avoid the distribution mistakes that wreck thousands of retirements every year.You'll discover:Why focusing only on accumulation creates panic in your 60sThe target-date fund trap that leaves many retirees overexposedHow “perfect-world projections” mislead and fail in real lifeThe income-conversion strategy that creates confidenceHow the Red Zone Retirement Planning framework ensures your needs, wants, and lifestyle are protected in every phase of retirementIf you've ever wondered, “Do I really have enough?”—this episode gives you the roadmap to finally say yes.

Our bonus series of holiday mysteries wraps up on Christmas Eve with two more tales of seasonal sleuthing. John Stanley and Alfred Shirley are Sherlock Holmes and Dr. Watson in "The Adventure of the Christmas Bride" (originally aired on Mutual on December 21, 1947). And Jack Webb stars in a heartwarming case from Dragnet - "The Big Little Jesus" (originally aired on NBC on December 22, 1953).

Dr. Rae Wynn-Grant shares her personal odyssey as a wildlife ecologist, conservation biologist and co-host of the famed TV nature show “Wild Kingdom.” As a scientist dedicated to protecting and conserving the diversity of the web of life, she reminds us that, as human beings, we are part of nature. It's all connected, and it's high time to bring about peaceful coexistence, not only with nature, but with one another. Rae Wynn-Grant, Ph.D., is a wildlife ecologist and conservation biologist, creator of the award-winning podcast “Going Wild with Dr. Rae Wynn-Grant,” co-host of Mutual of Omaha's “Wild Kingdom,” and author of “⁠Wild Life: Finding My Purpose in an Untamed World⁠.” Resources ⁠Rae Wynn-Grant – Wild Life: How Personal Journeys are Essential to Sustainable Leadership in Environmental Science⁠ | Bioneers 2024 Keynote ⁠Rae Wynn-Grant – Becoming a Wildlife Ecologist in a Rugged World⁠ | Excerpt from “Wild Life: Finding My Purpose in an Untamed World” Credits Executive Producer: Kenny Ausubel Written by: Leo Hornak and Kenny Ausubel Senior Producer and Station Relations: Stephanie Welch Program Engineer and Music Supervisor: Emily Harris Producer: Teo Grossman Host and Consulting Producer: Neil Harvey Production Assistance: Leo Hornak and Monica Lopez This is an episode of the Bioneers: Revolution from the Heart of Nature series. Visit the ⁠radio and podcast homepage⁠ to learn more.

The Ninjas are back for episode 300. The guys share their thoughts on KPop Demon Hunter song Golden being nominated for a Golden Globe(1:00:04), My Hero Academia getting a special episode an adaptation of chapter 431 (1:10:30), everything announced at The Game Awards, and all the winners  (1:39:15), and more.Picks:Domino | Dave Chappelle: The UnstoppableHesh | Octopath Traveler 0Robby | My Hero AcademiaBobby | IT: Welcome to DerryHelp support the show by becoming a Patron: https://www.patreon.com/ThedojoisgangSend us questions @TheDojo203@gmail.com Join the Discord: https://discord.gg/RKpjgVBUQXWatch us live on Twitch:https://www.twitch.tv/thedojoisgangSubscribe to our YouTube channel: https://www.youtube.com/@TheDojoPodcast203Become a supporter of this podcast: https://www.spreaker.com/podcast/the-dojo-w-domino-hesh-jones--4652058/support.

 Quaranteam - Dave In Dallas: Part 3 Houses Belsus bonds over pain. Based on a post by RonanJWilkerson, in 12 parts. Listen to the Podcast at Explicit Novels. Becca took a small sip of her drink. Her eyes flared lightly, but she didn't cough or choke. "Dave, tell me a story from when you were younger. Something stupid you once did." Dave's head fell back against the couch. "Oh boy. I didn't do any of the usual stupid stuff. Far too insular for that, no group of friends to drag me into wild, hilarious mistakes." Dave thought for a minute, trying to decide if he should tell this particular story. Or if he could. Hell, they were stuck living with him, they deserved to know. "Okay, so this happened in my second summer of college. I was tutoring a lot, and one lady in particular met with me at least once a week. Really nice person, pretty too. Her name was Kim Dawson. She'd gone all in on the late 80's media image of what pretty looked like; dyed blonde hair, boob implants, blue contact lenses. That helped her professionally of course; she worked as a stripper and did well enough to pay her tuition out of pocket, plus a small but nice rent house for her and her son." "You went to her house?" Dave nodded while swallowing the sip he'd just taken. "After the first several sessions, we got comfortable with each other, and it was helpful to her for me to come over on days she didn't have classes, especially if she had to go to work after our tutoring session." Dave paused for a moment, gathering the courage to continue. "So, about two months after we started working together, I'm at her house, sitting at her dinner table. It's a small round table to one side of her kitchen. Like I said, it's a small house, but good condition and she kept it well. Big enough for her and a six year old. Anyway, she gets up to take a brain break and decides she's going to change. She wasn't heading to work, and had come back from running errands, so she wanted to put on something more comfortable." Dave noted the ladies exchanging glances amongst themselves. "Just,; don't judge okay?" He paused again for a moment. "She left her bedroom door open, but the table was well away from the door, like a big angle away." Another look shared. "I didn't follow her with my eyes or anything, but she started talking to me through the open door, so naturally I turned my head towards the door. There was a mirror on the wall that I could see. Now, no, no she wasn't visible in the mirror. At least not from the angle and distance I was at." The looks passing among the ladies were both cryptic in the specifics and utterly obvious in the general meaning. "Oh, I forgot to mention that earlier we had discussed payment. She said this might have to be the last session for a while because she didn't think she could afford to pay. I had told her we could work something out." Three sets of eyebrows raised. "No, not like that. I just assured her I'd let her pay it out if she needed to. I was trying to be accommodating. She needed the help, she put in the work, I was just trying to be helpful." "Oh, baby." Jan said sympathetically. Dave winced. "So then she says she can't hear me well and asks me to come to the door to talk to her." He sighed. "I didn't. I told her I couldn't, I didn't want to violate her privacy. I don't think those were the actual words I used, but it was something like that." Dave couldn't even look at the others, just stared up at the ceiling. "She insists, says she strips to a G-string multiple times a night and she's already in a bra and shorts, she's just looking for a shirt, so it's no big deal." Another sigh. "Then she finally says she wants me to come back there; to; be with her. She; she said I could sleep with her in exchange for tutoring." "Oh my god, David you didn't did you?" Lupie asked. "No, no of course I didn't. And that was the problem. I couldn't. I felt frozen. What she was asking me to do was against everything I'd been taught about being a good guy. And I had nothing against her, but I'd been taught that all the guys at the strip club were abusing her, and I didn't want to do the same, so I stayed put and told her I couldn't do that to her, we can work something else out. After a bit more back and forth, she got pissed and told me to leave. My legs had been frozen the entire time, locked up. I finally managed to force myself up and walked out." All three ladies were absolutely silent. "That wasn't the end of it. After waiting a week, I tried calling a few times to see if she wanted a tutoring session. She never answered." More silence. "Two semesters later, I take organic chem, and one of my classmates and study partners is a friend of Kim's. I didn't know that at first, she waited until we had been working together awhile. She finally told me it was a ruse. Kim made enough in two or three nights to pay rent for a month, and another four covered all the groceries for a month. Mind you, this was early 90's so a lot of things were cheaper. Hell, gas was barely over a dollar a gallon. Kim had set it up to make a fantasy play and I blew it. According to Beth, Kim felt hurt. That was absolutely mind boggling to me. I just couldn't accept the idea that I could mean enough to a woman to hurt her in anyway, certainly not by not having sex with her." Becca shifted against him, turning toward him. "Yeah, I know. I'm an idiot." "You really had no idea?" Jan queried. "Not a bit. I just didn't want to hurt her. I didn't want to be the jackass. Turns out I was anyway." "David," Becca asked, "could I get some help with my math?" She kept her tone even, but her face belied her joke. "Oh hush." Becca worried about missing out on college, so Jan suggested she work through some of Dave's history and biography books as a substitute for a history course. The two were downstairs in the library, reading and talking. This left Lupie and Dave alone in bed. Both were certain it was not a mere coincidence. Lupie curled into Dave's side, her head resting on his chest. She wore a light camisole. He wore his usual; nothing. "David, I wanted to thank you for backing me up the other morning with Esme." "You're welcome. I just thought it was important she not get the idea she can play me against you." Lupie snuggled him tighter. "Still, I think it fair you know what she was about to say." "Only if you think it necessary." "It's a little embarrassing. I thought she was asleep. And I thought I was being quiet." Lupie paused, blushing. "Still it has been several years since I've,; um;” "Gotcha." "Yes, so, um, there have been times when I've; taken care of certain needs. And I was thinking of you. She must have been awake and heard me call your name." Lupie's head was buried as hard into his chest as possible without breaking ribs. "Well, now you don't have to imagine. You have me, and I have you." "You're not upset?" "More like flattered. And frustrated with myself. If I'd picked up on some signs, maybe;” "Let's not go down the 'what if' road David. You're right. We have each other now. We'll build from here." Dave tightened the hug for a moment. "You know, I passed by when you were on your computer earlier. It's kinda cool to see you work. You have this penetrating gaze, like you're dissecting everything you read, weighing each word in a balance and jettisoning the unworthy." "Hmm, must have been when I was working on that memo about handover protocols. Those details can give anyone a headache." Lupie kissed his jawline. "But I don't want to talk about work now. Just hold me, David." September 23, 2020. "What do you want to make for dinner tonight?" Dave asked as he and Janice entered the kitchen. "Not sure just yet. Tell you what, you check the fridge, I'll go into the pantry and check the shelves. Let's see what we come up with from what we see." "Okay." Dave started scanning the fridge shelves for ingredients when a thought occurred to him. The pantry was private. It had been a day or so for Jan. He walked over and opened the door. "Oh good, I was wondering if I'd have to play damsel in distress needing my big strong man to help me find something in this tight little space." "Well, I do have a probe made especially for tight spaces." He kissed her, balancing hunger with tenderness. Jan hummed into the kiss. She wrapped her arms around Dave's neck and pulled her body against his. "Umm-hmm, and that probe is so very good too." She nibbled lightly on his lower lip. Knowing they had little time, and Jan was up for a quickie, Dave took hold of her slacks and panties at the waist band and pulled them down to her knees. Jan emitted a delighted squeak. Her eyes shone with excitement as he stood and picked her up, carrying her to a bare patch of wall between shelves. He shoved his cargo shorts and boxers to his ankles, then hooked his hands under her thighs and lifted and folded her in one motion as he pressed her to the wall. She gasped and moaned, giving her approval and yielding herself to his power, confident that he would meet her needs as he saw to his own. Dave drove himself into her, the serum effects having made her fully wet already. He slid full length on the first thrust. She groaned happily, hungrily and gripped his shoulders. They were pressed for time, so he pounded into her hot wet tunnel with fervor. Such was her excitement that she reached her first climax in just a few minutes. Desperately trying to contain her enjoyment, Jan bit Dave's shoulder as he accelerated his thrusting, pounding more vigorously than he ever had, racing Jan to a second climax a minute before he burst inside her, kicking her over the orgasmic abyss a third time. Dave stopped, holding her in place as both panted for air. The enclosed pantry suddenly felt hot and muggy. His legs felt wobbly. He carefully lowered her legs to the ground, allowing himself to fall outside of her as he did so. Jan pouted for a moment, then dropped to her knees to clean off his cock. "Can't make a mess in here now can we?" She said with a wink. She pulled his shorts up before drawing her own pants into place. Then she sauntered out the door. Dave followed, but nearly ran into her when she stopped short two steps out the door. Lupie and Becca stood there, smirking and clapping. Jan blushed and turned, burying her face in Dave's chest. "Get over it girl, we're all gonna catch each other like that once in a while." Becca said. "I'll remind you of that when it's you," Lupie razzed. Dinner was only a little late, but it was good. Lupie winkingly attributed the good taste to the fact it was made with love. September 24, 2020. Dave looked into the kitchen and saw Lupie at the counter, her back to him, working away. He walked carefully up behind her and gently placed his hands on her hips. She started for a second, then settled into him, allowing her back to rest on his chest. She laid her work down and lay her head on his shoulder. "Hmm. This, this right here." Dave turned his head to hers and they shared a slow, soft kiss as he brought his hands around to her abdomen. They rocked slowly together, swaying to unheard music. What Dave had intended as a happy little moment escalated when Lupie started grinding her rear against his crotch. A moment later, she brought his hands up to her tits. Dave was caught between excitement and control. He very much wanted to paw at her lovely mounds. A wonderfully medium size, Lupie's tits were just barely less than a handful. About as pert as could be natural for a woman in her early thirties. She moaned as he groped. Lupie spun in his arms, kissed him, grabbed his hand, and took off to the bedroom. Dave kept up easily, grinning and laughing the whole way. He stopped her twice to pull her in for a kiss. Once the door closed, they each ripped off their own clothes and sprinted to the bed. Lupie pulled Dave on top of her, her legs apart, insistently rubbing her body against him. "Hungry much?" "What's going on is a tragedy of epic proportions, but I also feel more free than I have in ages. Since I was a teen. Now fuck your bitch in heat David." She snagged his head in her hands and kissed him passionately. Her legs wrapped around him, leaving him enough room to maneuver himself to her entrance. Her own thrusting and abundance of lubrication had him sinking deep into her the moment he lined himself up. She kept up her pelvic motions, timing them with Dave's thrusting. They fucked frantically, frenetically, neither pausing or relenting until Dave burst into Lupie, shooting several thick ropes into her warm, waiting depths. Lupie shuddered with his emissions, griping him tightly with her arms, legs, and inner muscles. They lay panting for a few moments and then looked at each other and laughed. September 25, 2020. Friday mid-morning found Dave on the couch, debating a point of fandom with Becca. "Picard was way wilder than Kirk. They just seem the other way around in contrast with their first officers." "That's crazy talk, Becca. Picard is the staid diplomat that negotiates treaties. Kirk is the bar-room brawler that fought every alien in the sector, or bedded them." "Kirk was the A-student that cheated on the big final exam but got a pass afterward since he was a teacher's pet. Picard was an athlete and got into a bar fight with Naussicans. And got stabbed through the heart." "How dare you speak so insultingly of Jean-Luc the great?" Dave mock-scowled. "Because he's good but not great." Becca giggled. "Blasphemy! I'll shall exorcise the demon from your mind young one!" "And just how to do you plan on doing that?" The grin was the same, but her eyes had picked up a hungry glimmer. Dave did not answer. He lunged at her, hands reaching for her ribs. And then he began tickling her. Becca let out an "Oh!" As Dave barreled into her, pressing her against the couch arm. As soon as he began tickling her, she let out a loud happy shriek, followed by a series of cackles. Dave relented briefly and she caught her breath. Becca gave him a quick kiss, then slipped from under him, heading for the stairs with a look over her shoulder. With a huge grin, Dave shot after her, catching her at the top of the stairs and tickling her again. Her legs gave out from under her during the pleasant bombardment on her sides. He scooped her up and carried her the rest of the way to the bedroom. He kicked the door shut, then walked over and tossed her on the bed before jumping atop her, kissing and groping. She responded in kind, hungry and happy. They started shedding clothes wildly, paying no heed to where they landed. Mutually nude, mutually aroused, hands roaming they rolled on the bed. Dave slipped his hands to her ribs again. Becca squealed in anticipation just as he began to tickle her. Laughing and cackling she wiggled about, half-heartedly trying to escape his grasp. In the commotion, Dave still managed to align himself with her entrance, and pushed himself partially inside. He stopped his assault on her ribs just as he penetrated. A cross between a gasp and a sigh ushered from Becca. Eyes closed, she grinned wildly. Dave drove himself slowly, methodically within her. She draped her hands around his back and her legs around his waist. A look of blissful contentment blazed forth from her. He coaxed her to climax three times before finally allowing himself to spill into her. Afterward, they lay spooning in bed, Dave's chest against Becca's back, his right arm draped over her side, hand resting on her tummy. Breathing, just being close. Until Dave heard soft sobs from her. "Becca?" "I'm sorry. It felt so great, and then I thought about telling my Aunt Teresa about how my life is changed, how good I feel in bed with you, having you in my life like this." She shuddered with grief. "She's; she's; I'll never get to talk with her again. She's the one; I could talk to. When mom was stuck on rote doctrine, Aunt Teresa talked to me. Even if she echoed mom's position, she talked to me. Now they're all just gone." Dave held her firmly, letting her cry, letting her know he was there with her. After several minutes of silence, he spoke. "We live in dark times, beloved. For now anyway, happiness comes in bursts, sadness in buckets." He paused to compose himself. "We cling together to weather the storm. Separately, we may all drown." She placed her hand on his, reassuring herself he was there, as she cried herself to sleep. She never noticed his tears falling in her hair. September 28, 2020. Dave opened the door, half-expecting a National Guardsman with a woman to add to his house. He wasn't wrong. The lady in question stood ready, with a bright smile. A telegenic smile. And Dave recognized her after a moment. "Holy crap. You're Shawna Cooper! How the hell did you wind up here?" "Well, according to Oracle, you were my best match at 93%" with that same rich, assuring voice he'd come to appreciate from the TV. "Wow, okay." Dave paused to sign the form. He hadn't paid too much attention the first two times so he scanned the document quickly. He burst out laughing. The soldier grinned. "Yeah, some chairborne ranger had a little fun with that one." Shawna looked at him funny. "Something I should know?" "I'll tell you inside, with the others. They should hear this too." Dave waved as the military truck pulled away, then lead Shawna into the living room. The rest of the house must have heard the door. All three ladies currently bonded to Dave were already in the living room. "Hello" said Shawna, cautiously attempting to engage the other women. "Hey aren't you; " "Shawna Cooper, Senior Meteorologist at WFAA. Although, I may get promoted to Chief Meteorologist soon." A short round of congratulations circulated for the next minute. "Wow, Dave, you're accumulating a real smorgasbord of women. A blonde, a Latina, an Asian woman, and now a black woman." Jan smirked. Dave shook his head and closed his eyes. Shawna chuckled. "If she hadn't said it, I would have." "I'm surrounded by smart alecks." "Each of whom was selected by a computer especially for you." Apparently, the new arrival wasn't giving a holiday on sass. The playful smile on her face was already enchanting Dave's heart. "God help me." "He did David, He sent you us." Lupie punctuated her statement with a quick kiss. The others laughed. "Okay, what was that at the door about the form?" Shawna inquired. "And something about an airborne ranger?" Dave smiled. "No, a chairborne ranger. It's the army version of a desk jockey. Someone that works an army office job, but probably has a bunch of military memorabilia. They think they're a badass, but they've never been in the field without a GP medium and a heater." "You served?" Jan asked. "No, but I had a good friend that was special forces. Taught me a lot." A grey cloud of uncertainty fell across Dave's face. He shook it off. "Anyway, desk jockeys handle the paperwork and sometimes make new forms. All government forms are identified by letters signifying the department that created it, followed by some numbers. The form I have to sign when y'all get dropped off must have been created by an army guy because it's Form DA-6969-R." After a two count, the meaning of the numbers sank in and everyone burst out laughing. "Hmm, now that's giving me ideas" purred Shawna, her eyes slightly hooded. "I try to give each of you some time to get used to me and the house before making that last leap." Lupie piped up, "But we do have precedent for no delay." Becca blushed. "Oh, poor baby," Shawna teased, "did the pretty little blonde jump your bones before you were ready?" "There were some extenuating circumstances, which you will learn in time. I'm sure it will be part of the family story as we go forward. We did know each other before she got vaxxed, so I had some comfort level that she wanted this without the serum effects." "Could I get a quick thumbnail description?" "I'm Dave's next door neighbor." Lupie pointed through the wall towards her house. "Becca was my babysitter," Becca gave a shy smile and a head nod "who was watching Esme, my daughter when the lockdowns hit. We all worked together, staying isolated to get through all this. When the CDC guy came, Becca and I asked Dave to request us. Jan," the lady mentioned waved her hand "was delivered the next morning to Dave's house as we were picked up to get the shot. Something bad happened at the vax center that I don't want to go in to fully at the moment, so Becca was adamant about not waiting when we arrived. Our tender loving man didn't get to be as tender with Becca's first time as he intended." "Sounds like I have a lot to catch up on later." A look of sorrow settled on Shawna. "I'm sorry to ask but where is Esme?" "Oh, she's upstairs reading. We didn't want her down here in case the conversation got a little; risqué." Lupie replied. "She's nine. According to the CDC people, she'll be safe when she reaches eleven. I didn't understand the full explanation, but the important part is she is safe and will remain safe from this thing." "Got it, so no mounting Dave on the couch." "Preferably not." Lupie's Cheshire cat grin matched Shawna's. "Then I think it's time we headed upstairs, tender loving man." In the bedroom, with the door firmly shut, Dave and Shawna stood before each other, gazing at each other's face, eyes roaming across the other's body. "Nervous?" Shawna asked. "Never been with a black woman before?" "My lifetime dance card is a little short, so yeah, still working through the nerves somewhat." Dave temporized. "And no, actually, I've never been with a black woman, but I suspect all the parts work the same." That made her laugh. "See, I can be a smart ass too. Actually, until the last week, I'd never been with a Latina, and Asian woman, or a blonde. Well, not a natural blonde. And I've dated a Latina, but it never went that far." Shawna kissed him. Dave gratefully accepted the interruption of his babbling and joined her. Lips gently merging, pressing. Slowly probing with tongues. Twirling against each other. Mutual tongue stroking turned to suckling on each other's tongue. Hands rubbed backs, pulling insistently. Her soft upper body sandwiched between them. His hands roamed to her sides, then to her bosom. Dave began unbuttoning her blouse. Shawna pulled Dave's t-shirt over his head. "Hmm, nice. Fit without being gross. I like a man that finds balance. Huh." Dave kissed Shawna's neck at the clavicle, suckling and licking. His hands finished with her buttons, he shucked her shirt over her shoulders and she shrugged to drop the shirt off. Cupping her bra-clad bosoms from below, Dave dove into Shawna's cleavage, reveling in the feel of her ample tits surrounding his face. "Yeah baby. Feast on these boobs. You lovin' the size or the taste baby? I'm different than the others in both respects." "Infinite diversity in infinite combination." Dave lifted his head to speak. He brought his hands around to the back to unclasp her lacy orange bra, but couldn't find the mechanism. He pulled his head back from her chest to focus his eyes. Shawna just chuckled as his hands came back to the front, in the center of her bra to release the imprisoned twins. Her hands roamed his back and tousled his hair as he dallied with her chest. With her bra tossed away, Dave took a nipple in his mouth and suckled. Shawna gasped and hummed appreciatively. Her hands moved down his sides, seeking his waist band. She caught hold of his shorts, hooked her fingers beneath them and his boxers, and shoved both to his ankles. One hand grasped his shaft, the other massaged his testicles. Dave groaned from the stimulation of her efforts. "Yeah baby, that's it. You and me, we're gonna give each other a lot of happy." Shawna cooed into his ear before nibbling on it. Dave switched his attention to the other nipple. One hand teased the wet nipple, while the other dropped to the waist band of her slacks. One handed, he unbuckled her belt and unsnapped her pants. He worked the zipper a few inches down one handed also, until they loosened. Then he tugged downward, revealing her lacy orange panties. Dave caught her under the curve of her rump in both hands and lifted her to his body. Shawna squeaked and then hummed her approval as he continued to nibble her neck. She wrapped her legs around his waist. In two steps, he had them at the edge of the bed. Dave crawled onto his knees on the bed and brought his hands under her shoulder blades before lowering their torsos to the bed. Dave hooked his fingers through the thigh straps of Shawna's panties and slipped them from her. Her naked essence now exposed, Dave brought his face to her core and inhaled deeply, reveling in the scent of an aroused woman. He pressed in, his lips and tongue investigating his new partner, caressing her most intimate area. "Hmm, baby that feels so nice, but I need you in me." Shawna tugged at Dave's head. "Dock that thing in the shuttle bay captain." Dave crawled up over top of her with a huge grin on his face. She was sloppy wet below, so he slid in easily as he moved up her body. They were instinctively in sync so that they aligned themselves without discussion or fumbling. Dave was aroused as well, of course, to the point he already had a few beads of precum at the tip of his cock. As he entered, Shawna's body stiffened, then shook. She let out a loud groan as all the air left her lungs. Dave held her until the shaking stopped. "Damn," she said when she caught her breath, "they weren't lyin'." Hunger dominated her features as a wicked smile spread over her face. She rolled them, still connected, taking the top spot. "Ride 'em cowgirl." Shawna laughed as she began rolling her hips, her body writhing sinuously with the motion. Her bounteous tits swayed rhythmically, hypnotically. Dave grasped them, curling his torso up to bring his mouth to her pec pillows and feasted greedily upon the supple flesh. Shawna moaned louder with the attention. Her hips moved faster, beginning to hop an inch or so with each swish of her hips. "Let's kick this to Warp 10 baby." Shawna braced her hands on Dave's shoulders, pushing him flat to the mattress. Using him as an anchor, she began lifting and lowering herself along his rod, riding him hard and fast. Immediately her vocalizations were louder, more primal. Dave could feel the tremors rising in her body just as his own arousal raced to the peak. Dave held off for several minutes before letting loose. As she received his load, Shawna's body shook like she had gripped a live electrical wire. Her torso collapsed on to him like a marionette with the strings cut. Dave heard her chant "Imprinting;” twice before the room started to spin and everything went black. September 29, 2020. When Dave awoke, he was alone in bed. For a moment, by the light level, he thought it had only been a few hours. Then he noticed the angle of the shadows and realized it wasn't later that afternoon, it was several hours past the following daybreak. On the plus side, he felt great. And,; something was wrong. He couldn't place it. No, was something right? It'd be easier to concentrate if Esme's giggles from the kitchen weren't punctuating his thoughts. He couldn't hear any words, but the background sounds sure made it seem like she was helping someone in the kitchen. What? How the hell could he hear them that far away? He hadn't heard that well since his early twenties. And Where The Hell Was His Tinnitus? Ho-lee shit. The high-pitched whine that filled his days and haunted his nights was gone. Shit, now it would be easier to hear women and kids again. Dave barely remembered to throw on shorts and a shirt before sprinting downstairs. He picked up Esme and spun her around. "I hear you! I hear you! All the way up in the bedroom and I could hear you!" He hugged her close. She giggled, once she realized he wasn't mad. Dave set her down and gave her a big kiss on her forehead. "You are officially my favorite stepdaughter." This apple didn't fall far from the tree. She narrowed her eyes and grinned. "I'm un-officially your only stepdaughter." "Still my favorite." He said, his voice receding with him. Dave went upstairs to his office. He had a Zoom call to make that he'd been putting off. "Hi, Uncle Dave." The deep brown eyes, framed by pale skin and equally brown hair of Olivia Barnes stared back at Dave from the screen. Her father's hawkish features softened by the influence of her mother's rounder ones. Except the skin around her eyes was reddened, and somewhat puffy. Dave feared he knew why his goddaughter had been crying. It had been more than a month since he'd heard from his best friends, Carter and Janelle Barnes. "Hey Livy Bean." Maybe his longtime nickname for her would be comforting, of a sort. She did brighten slightly. Like a slightly less dim twilight. "Sorry I haven't called in a while. Things have been changing a bit around here." "Oh, that's fine." She couldn't have sounded more like Eeyore if she tried. "I just; " Olivia was cut short by the playful screech of Esme rocketing into the room, obviously being pursued. She hid behind Dave's chair as Becca entered. "Hey, you two, settle down, I'm on a Zoom call." "Oh, sorry." Both said. "Dave?! What the hell are people doing in your house! Why aren't you quarantining!?" "Yeah, that's part of the busy." Dave looked to Becca and Esme, starting to leave. "Don't go just yet. I should introduce you. Liv, this is Esme, she's the daughter of Lupie, my next door neighbor. Becca was Esme's babysitter doing a long-term babysit when the lockdowns started. We quarantined in separate houses, but worked together to make sure we each had what we needed." They each waved as their names were mentioned. "I recognize the names from earlier conversations. So how are they in your house now Dave?" Energized by questions that needed answering, Olivia strangely seemed more alert than at the beginning of the call. Dave shooed Esme out, Becca following after her and shutting the door. "About two weeks ago now, a guy came to my door, telling me they had a vaccine for this virus. But it has some weird effects." "What kind of weird effects?" Olivia's redheaded roommate Melanie Ustanich popped her head into view. "Well, they can't give the vaccine to men at all. At least not directly." This is not the way he had intended this conversation to go, but here they were. "Women can take the vaccine, and then; transmit the immunity to a man." "How?" Melanie asked with a scowl. "Oh boy. That's were this gets surreal." Dave temporized. "Giving the vaccine directly to a man is 100% fatal. But, a woman can share her immunity with a man directly, through, um,; intercourse." "Okay, I'm calling bullshit." Melanie huffed out of frame. By her footstep sounds, she left the room Olivia was transmitting from. "That's crazy Uncle Dave." "Yeah, that's what I said. But then I red all the documentation, I took the survey. And I have four partners." "Four?" "The effects of the vaccine only partially transmit to the man, and have to be reinforced by frequent; contact. In order to keep a man; safe; he should have multiple partners." Dave winced. "Last I heard, the ultimate goal is twelve to fifteen women per man. And it's permanent. Once a woman gets the vaccine and; sleeps with a man, sleeping with any other man would be dangerous, even fatal." Dave paused while Olivia absorbed what he'd just said. "It's for a lifetime, Liv. Look, if you know someone you think you can make it work long-term with, you should find him and talk to him. The people doing the vaccination should be getting out to Stephenville in another week or so. Maybe you can find someone suitable by then." Dave squirmed in his seat. "I don't have to look anywhere Dave. I know who I'd want to bond with for the rest of my life. The same man I've yearned for; for years." "Good, you should call him immediately. And tell your roommate to think about who she'd want to partner with. And she might want to consider the same guy." With a small smirk Liv replied. "Not a bad idea. This guy likes redheads. But he has a blind spot though. Has trouble noticing when women like him. Especially younger women. He keeps passing it off as infatuation. 'Just a crush'." "Well maybe you need to; " Dave stopped with his mouth hanging open, frozen. He had to remind himself to blink. "Dave, you ok? Do I need to turn you off, then turn you back on?" The sarcasm snapped him out of it. "Very funny Liv." He gathered his thoughts, or tried to. They kept scattering like cats at bath time. "I'm more than twice your age Olivia. I changed your diapers for god's sake! I helped raise you. You came to me when you were afraid to talk to your parents. Biologically it's not incest, but damn." "It's not the same David! Please; " a knock at the door interrupted them. Shawna slipped in. "Is everything okay in here?" She brought herself into the camera's field of view. "Uh, hi. I'm Olivia, David's goddaughter. Who are you?" "I'm his newest partner. I just imprinted yesterday." Shawna settled gently on Dave's thigh, keeping part of her weight on her feet. "Imprinted?" "That's what they call the binding process that happens when the vaccine serum mixes with a man's semen inside a woman's body." "Huh." Olivia looked pensive. Melanie had come back into view. Presumably, she'd been in hearing range for a minute or so. Olivia squinted at the screen, as if trying to pick out an important detail. "Anyone ever tell you that you look like the weather lady on channel 8?" "It's been known to happen." Shawna said coyly. "You may have noticed I wasn't on the air last night. And I won't be for two more nights. Vaccination leave. Some places give longer, but there's only so much staff at the station these days. I couldn't drop that much load on the rest of the weather room staff." "Oh wow. Wow. Just. Okay. This is a lot all at once." Behind Olivia, Melanie typed furiously on her phone. When the site she searched for came up she held the phone out, as if beside Olivia's laptop screen, her eyes scanning back and forth between the two. "No fucking way. Your uncle is banging the channel 8 weather chick?" Shawna's eyes narrowed. "I have a master's degree in meteorology. I have five years' experience storm chasing, another four years' experience at NSSL, and six years' experience at the station. I am a scientist as well as a broadcaster. I am not a weather chick. Hell, I have three scientific papers as the PI." Melanie looked cowed. "I'm sorry. I got a little caught up in the moment. You're right that was out of line." She paused. "Wait, you're a detective too? How does that work?" "No," Shawna said with a hand to the bridge of her nose, "PI is principal investigator; it's the polite term on a scientific team for the HMFC; head motherfucker in charge." Dave stroked her thigh, keeping his face blank. He wasn't going to laugh at her phrasing, nor admonish her harshness. "Yeah, now I need to dial it back. Sorry girls." "Don't. It's fine. Kinda funny actually." Melanie's face began receding from its earlier attempt to match her hair color. "I apologize for being brusque, but can we get back to the topic at hand?" Olivia pleaded. "David, have you ever noticed or wondered why all my relationships never lasted longer than three months?" "I just figured they weren't good enough for you." "Well, you're not wrong there. I measured them; all of them; against you and they came up wanting." "I would have thought a better comparison would be your dad. I mean, let's face it, he's a much more manly guy than me." Dave hoped he'd kept the bitter tone out of his voice. No one showed any hint it registered with them. "I never wanted to fuck dad." Olivia stared at him like she could bore holes in the screen. "Damn girl." Shawna chuckled. Melanie turned her head to Liv with her eyes wide. "When I first heard about how babies were really made and what those parts of me were for, I thought about doing that with you. When I started feeling the desire to have sex, you were the one I wanted to be with. All of you said it was just a girlish crush. I tried dating other guys. I threw myself into relationships with, nice guys, good men, but none of them were you." She paused to catch her breath. Her argument was turning into an emotional plea. "I can't give you my virginity David, but I can give you all of me forever." "Olivia, I; I just; " "David, how about you let us girls talk for a bit. After all, she's been an important part of your life for many years. I'm your brand new partner. I'm sure she has some juicy stories to tell." Shawna winked at the screen. Dave nodded and left. Dave spent some time in the greenhouse, tending the plants and 'smelling the green'. A few grow beds had separated at the corner so he repaired them. He checked the time to find it had been almost two hours since he'd left Shawna on the Zoom call with Olivia. He went back in to discover the ladies all gathered in the library. They shooed him out the moment he opened the door. "Yeah, they wouldn't let me in either. I finished my last book and wanted a new one, but they have some important discussion going on, so here I sit, rotting my brain with TV," Esme said, with air quotes for emphasis. "You could always choose a documentary instead of anime." "You could always eat a tofu burger instead of red meat." Esme giggled. "Blasphemy." Dave said, ascending the stairs. That brought a full chuckle from his nine-year old housemate. Dave sat at his computer, working out a reasonable set of instructions for a physics lab students could do from home, with materials they already had. It was maddening to think they'd gotten a sizable grant only two years ago for some great equipment, which would now sit unused in a storeroom because everything was moving online. His focus was broken by Esme's voice. "Hey Dave, they're in the living room waiting for you. I'll be reading in my room." "Thank you, my sweet Esmeralda." Esme rolled her eyes, but accepted the hug. Entering the living room, Dave found all four of his partners smiling, but serious. In just a moment's read of the resolve written there, he knew which way this was going to go. Huh. Maybe he was getting better at this. He chose a seat that could easily view everyone else's and lowered himself. Then he realized, they probably chose their spots so he'd be in this spot. "So, what's up?" Lupie spoke up. "We think you should accept Olivia, David. Her roommate Melanie is interested, and we think you should accept her as well." "I spoke with both of them for about an hour and a half, David." Shawna added. "Olivia's earnest in her feelings for you. I work beside media types, onscreen talent and production executives. I have a good feel for when someone's bs ing me. If Olivia isn't in love with you, she's very close to that. My bet is, she madly in love with you. She'd be unhappy anywhere else." Dave stared at Shawna. That last bit hit home. Olivia's happiness meant a lot to him. He suspected that last sentence was calculated, not just a lucky shot. He swallowed once and looked away. "You don't understand. I've known this girl since before she was born. I changed her diapers. She's stayed over at my house. I helped her understand boys as she got older. I've watched over her while camping or at the pool. Hell, I've seen her in bikinis since the time she started developing tits and I've never allowed myself to think of her in; lascivious terms." "Do you think she's pretty?" Jan prompted. "Absolutely. She's as lovely as her mother." A very quiet ripple ran through the room. Dave realized he'd left an opening for another tale. One he did not want to get into. "And that's just the wrapping paper. She's got a hell of a lot more than her looks going for her." All the ladies grinned. "David, do you hear yourself?" Lupie prodded. "Not just what you've said, but how you say it?" "Yes, she is dear to me. I'd do anything for her." "Then do the one thing she needs you to do right now. Love her as a woman. Allow your love for her to grow to encompass the physical." Dave breathed heavily. A whole host of emotions welled up within him. "I held her in my hands; hand; when she was only a few hours old. I cleaned her boo-boos when she fell off her bike." He chuckled through tears. "You've given her unconditional love her whole life, David. Is it any wonder she fell in love with you?" "I just worry I'd be betraying their trust." "Who?" Shawna asked. "Carter and Janelle. Livy's parents." "So ask them." Shawna suggested. Dave replied with a pained expression. "I haven't heard from them in over a month. And when we started the Zoom call, Olivia's eyes were red and puffy." A sobering silence held the room in its grasp. "David, wouldn't that mean you're all she's got left?" Lupie asked tenderly. "Yes." Dave sighed. Well, he did know walking in how this would go. "Okay. Okay. I'll contact the vax center and see what it takes to put in a request." "And you need to include Melanie, Olivia's roommate in the request." Shawna added. "I know nothing about her." "We took the time to talk. Olivia told her enough about you she said she would be willing." "That's an awfully thin data set for a life altering decision that you can't take back!" Dave objected. "David," Lupie said in her most soothing tone, "when you requested Becca and me, we still got a sheet of information about you, our match percentage in Oracle, and the chance to say no. If we said no, we'd be given a list of ten other men with their data and match percentages." "This is a lot to take in." Dave paused. "You said a bio and a match percentage?" "Yes." "And she can refuse?" "Yes. "Okay. Hell, I like redheads anyway." Dave smirked. "And she's doing something in computers. That could be very handy. And if she can share a small off-campus house with Livy, she's probably reasonably compatible anyway." "So we're resolved on this?" Becca asked. She'd been quiet during most of the conversation, although she nodded in agreement with some of the points made by the other women. "Yes, Becca, I'll request both of them. I'll call them tomorrow to confirm, then I'll call the vax center." "David, when we finished the call today, I made sure to get a clear answer from each of them." Shawna said. "Go ahead and call the vax center first, then call them to let them know the request is in." Dave stared at her for a moment. "On something like this, I want to ask them myself. Hell, there's a chance with a night to think it over, they may have decided this is a bad idea. But I will call them a second time after I call the vax center." Becca "Um, Dave, so, a friend of mine from school has been talking to me." October 3, 2020. When Dave opened the door he was greeted by an enthusiastic "Woof!" and two paws immediately planted on his chest. "Roscoe!" Dave rubbed the large Rottweiler's flanks and dipped his head to kiss Roscoe's forehead, then quickly back to dodge the dog's tongue. "Oh look, you brought Livy and her roommate with you. Good boy." Dave signed the form, thanked the soldier, and led the ladies and Roscoe into the living room where most of the house waited. Roscoe spotted Esme and bolted to her. She let out a squeak, then giggled as he licked her face. "Roscoe, down! Heel!" The happy canine trotted back to sit beside Olivia's feet as she sat on one end of the couch. "He sure is friendly. I thought Rotts are supposed to be mean, like guard dogs." Becca said. "If you train 'em mean, or abuse 'em sure. Or if they are seriously inbred. You treat 'em like family they will love on you like nobody's business. And rip the head off anyone that hurts the family. So, Esme, you play with Roscoe anytime you want. He'll love it. He's great with kids." Lupie grinned appreciatively at Livy's suggestion. She'd clearly understood Livy's implied meaning of acclimating Roscoe to see Esme as family for the purpose of defending her. "Yeah, when we go to the park for walks, it can be a real job to keep him from running and frolicking with the kiddos." Melanie chimed in. "So where's Shawna?" Liv asked. "Work. Her new partner leave was up. She has the five and six o'clock broadcast, so she won't be back until this evening." "And she's the only one Mel and I have met, so to speak." Liv said dryly. Her big toothy grin capturing attention of everyone. "Although, I've heard bits and pieces about Lupie and Esme over the past few years." Olivia introduced herself, telling everyone she had been a junior studying horticulture at Tarleton State University when lockdowns started. She's into shooting and hunting, and lots of outdoor activities. Becca looked pensive. "Oh, but don't worry," Liv assured her, "I'm usually down for group games and such. I take it your more of an indoor person?" "Mostly. I mean, I like going to the pool, and sometimes the park." Becca's spoke in soft tones. "Great. You show me some games you like, and I'll show you how fun hiking and camping can be. Maybe even teach you how to shoot." "You can do that? I mean, teach me?" "Liv manages to hit the target once in a while." Dave chuckled. "Hey, I'm a better shot than you! I've taken a deer, first shot, every season I've gone out." "I was teasing Liv." Dave temporized. "I'm still working to wrap my head around; this." "Well for me this is the realization of a dream I couldn't let go of and didn't think I'd get." The room fell quiet for a moment. "Oh, one thing about Roscoe, I almost forgot. He has some hearing loss. He's still got some hearing and a great sense of smell, so he won't get jittery when surprised as long as there aren't any unfamiliar scents." "So give him time to sniff us and adjust for a few days before walking up behind him?" Jan smiled. "Sure. That would work. And if he does get spooked, just hold still and let him sniff. By the end of today, he might not register everyone here as family, but he will understand you're all accepted by Dave and me." Another moment of quiet, and all eyes turned to Melanie. "Oh, hi. I'm Melanie Ustanich. I'm Olivia's roommate. I was a senior last year at Tarleton. I'm working on a four plus one degree in cybersecurity and network administration." Melanie's green eyes and hair balanced between coopery and auburn accented the face set in a perpetual impish smile to tell of the Irish part of her ancestry. "Four plus one?" Becca asked. "It means I began working on my master's while I was still an undergraduate. Instead of four years for a bachelor's and then two or three years for a master's, I get both done in five years." "Oh cool." "It should have helped me get into the workforce faster with less student loan debt." Melanie rolled her eyes. "I think we're going to find the financial sector changes a lot with what's going on." Lupie supplied. "Hi, I'm Lupie, Dave's neighbor; well used to be. I also used to be an investment advisor until our firm shutdown." "Oh wow. So like stocks and bonds and shit?" Lupie nodded in reply. "Do any day trading?" "Yeah, it's been handy. The market tanked, but if you know what you're doing you can still manage something positive out of it." "Good to know. And thanks about the loan info. That's something I've been worrying about. Not in school means I have to start paying my loans, but I have no job so I can't, and there's no one answering the phone lines to set up a deferment." "I thought President Pelosi suspended all debt payments and interest accrual until Congress could get together and pass something permanent." "I wish." "I'll check into that later today. You shouldn't have to worry about debts in all this mess." "Thank you, that would be a huge relief if true." "So, Tarleton isn't holding any classes?" Jan asked. "Not this semester. They said they might hold some online classes in the spring, but wouldn't commit to it. They emptied the dorms too, but Liv and I had an off-campus apartment and a trickle of income to cover the basics. We still cut into some savings. The landlord was happy to still have some income, so she cut our rent in half since; May? June?" "June." "Yeah, so that helped." Everyone talked a bit about interests, hobbies, and happenings but eventually the suitcases loomed large and we decided it was time to get Olivia and Melanie's things put away in a dresser like they lived here. They each carried their own up the stairs, only using the roller wheels as they got to the upstairs hallway. "What happened here? Why is the wall patched? Dave?" Olivia curious expression evaporated when she looked at Dave. His face twisted in pain. His heart exploded with repressed mourning. "Eddie." That one word, spoken in anguish, struck Olivia like a poleax. She fell towards Dave in faltering steps as he thumped backwards against the wall and slid down, coming to rest in a wailing mess, his precious Livy Bean clinging to him, sobbing her heart out. Janice looked bewildered. Melanie furrowed her brow. "Liv has a friend named Eddie. They even tried dating, but decided to just stay friends. Really good friends." Lupie came flying up the stairs, having heard the heart-rending cry from below. "What happened?" Melanie and Jan both shrugged, trying to catch up still. "We don't know," Janice replied, "Olivia asked why the wall had been patched. Dave looked like his heart was being ripped out and said 'Eddie' and collapsed. Olivia collapsed with him." Lupie's eyes watered and her hand flew to her mouth. "Oh, David." She squatted beside the weeping pair and placed a hand on Dave's shoulder. The other three looked at each other, mildly frustrated. More mourning and no explanation. Lupie glanced up at the confused trio. "Eddie is David's son." Chapter 5: Healing Begins. October 3, 2020. House Belsus was in mourning. Lupie and Jan got an arm under Dave's armpits and lifted him up, guiding him to the bedroom once he got his feet under him. Becca and Melanie did the same for Olivia. Together, the quartet removed the shoes and socks of the weeping pair and draped a blanket over them. Roscoe trailed behind the troupe, whimpering and trying desperately to get in close to Olivia. He planted himself firmly against her in the bed once she was positioned. The pent-up pain manifested itself in force. Edward, Carter, Janelle. Three faces Dave and Livy would never see again. Three laughs they would never hear again. Three hearts they would never touch or be touched by again. It was just too much to hold in any longer. As he wept, Dave could hear a rustling sound off to the side of the room. He knew one of the women of the household was sitting there, ready if he or Livy needed anything. It was one small reassurance as images of a happy little towheaded boy played through his mind. The boy he barely got to see after the divorce. More images of the angry young man, full of his mother's twisted commentary, coming to him, beginning to realize he may have been lied to. That may be the most painful memory. After years of trying to be a dad, and being rebuffed, his boy had sought him out. They'd rebuilt slowly from there, starting on Edward's fifteenth birthday. Eight years. Eight years he'd had with his son as he grew from his mid-teens into a young, twenty-three year old man. A damn good man. And now he was gone. A memory, frozen in time. Forever young, static and unchanging. Never to find love. Never getting to be a father himself. Eddie would have been a great dad. No more Carter either. His friend from college. The man that taught him the value of being prepared. Guided him to take a martial arts class. Taught him how to use a gun. Taken him hunting and fishing. Without that time with Carter, he never would have been able to take Eddie fishing in those early years before his ex began denying visitation. And sweet Janelle. That lovely face seemed so soft. Most would think she'd never keep up with Carter's active outdoorsy life. They were wrong. She would much rather do nearly anything in the city or suburbs, but the guy she'd fallen for was an avid hiker and camper. She took to it with a borrowed passion that never relented. Janelle did everything with so much energy you'd think she could power a city with her smile and peppy personality. She managed to stay just this side of sickening bubbly though. Thanks to his newly healed hearing, Dave picked up the telltale sounds of two people working in the kitchen. Dinner? How long had he lain here, whimpering like a little bitch? It was time to get up. Dave tightened his hug on Olivia briefly, then released her and went to the bathroom to wash up and take care of needs. And wash from the elbows down. Roscoe had taken to nuzzling and licking his hands and arms in an attempt to soothe. When he returned, Lupie sat on the bed speaking soothingly to a quiet Olivia. Roscoe's head briefly turned from Olivia to give Dave a baleful look as he re-entered the room. A quick whisper brought Olivia's head up and around, rolling slightly to see Dave. She sat up and rose shakily to meet him. He hugged her again, and they each steadied themselves to stave off another crying jag. Liv slipped around Dave to enter the bathroom. Lupie met him where he stood. She placed her arms loosely around his neck, bringing their foreheads together. "I love you, David. I wish you had shared this with me earlier, but I understand why it hurt too much to address." She kissed him softly on the chin, then looked into his eyes. "I'm here for you David. Even if all you can handle is a hug, I'm here for you." She hugged him tightly. Olivia emerged, her face cleansed of tear streaks and make up. She chose not to apply new makeup. Why bother when she's liable to start crying again? Her loose black blouse and the large ruffle attached to the neck showed creases and wrinkles from lying in bed. Her work-style jeans showed no such effects, having been made to take more punishment than lying in bed could dish out. As they passed Esme's room enroute to the stairs, they heard a shout of "Dave!" just before 80 pounds of love bug smacked into the man so named and wrapped her arms around him tightly. Esme had met Eddie a few times, had a few memories of him. More than that, she wanted to console Dave in his grief. He was a figure in her young life and he was hurting. The outpouring was almost enough to set Dave off crying again, but he choked it back. Lupie gave Esme a short time to show her support, then shooed her back to her room with a hug and a kiss. "Did you get something to eat mija?" "Yes, mama. And I have a few good books in my room. I'm good for awhile." The trio continued to the stairs and emerged into the living room. Becca sat on the couch fidgeting, not really watching an anime. When she looked up, she immediately rushed to Dave and hugged him fiercely. Their height difference left her cheek bone pressed against the top of his sternum, the top of her head nestled under his chin. Dave stroked her back softly. "All those times you comforted me about my family, and you never once mentioned Eddie was gone?" She said as she pulled her head back, looking up into his eyes. Her arms remained firmly encircled around his chest, not budging a millimeter. "If I wasn't hurting for you so much, I'd be peeved at you." "Wow, didn't take you long to start talking like a wife." "Better believe it buster." "Yes dear." Her eyes laughed as she pulled him down for a comforting kiss. Their eyes stayed locked for a moment after they broke the kiss. Shawna, Janice, and Melanie slipped in from the dining room after each dropped off an item from the kitchen. Shawna still wore her on-air clothes. Today it was a stylish, breezy blouse in a vibrant shade of orange that contrasted beautifully with her dark skin. A long, loose, tan skirt below it reached to mid-calf at its lowest point, the bottom cut at an angle that exposed her right knee when she walked. She typically wore short heels at work, but had already ditched them somewhere downstairs, her feet bare but for her sheer pantyhose. Without her heels, she was barely an inch shorter than Dave, the tallest among his household. She came straight to him and wrapped him up in a warm hug. In his ear she whispered, "Anytime you need me baby, whatever it is you need, just tell me." Dave nodded and she peeled away. Jan came to him next, gently leading Mel along with her. Jan gave him a chaste kiss on the cheek, her eyes conveying her sorrow and support as eloquently as words or a hug. "I knew you may not be hungry David, but if you are so inclined, I asked Mel to make bruschetta for the grazing meal we've prepared." A week or so ago, Jan's culinary journey had turned to a discussion of favorite appetizers and finger foods. Dave's number one favorite was bruschetta. "Hey now, I just made the olive tapenade and the tomato topping, you assembled it, including toasting the bread." Melanie took Dave by the hand and led him to the table decked out with several offerings, from of course, bruschetta, to deviled eggs, pigs in blankets, and a charcuterie board assembled from things Dave knew they'd had on hand this morning. Except for the bowl of fresh rolls beside it. The aroma of fresh bread permeated the air. "It looks and smells wonderful. Thank you." He gave them each a soft kiss on the cheek. He stepped back to the living room. "Shawna, I take it you are also partly to thank for tonight's spread?" "Oh, they were well along in the making when I got in from work. I just slapped some canned dough around some smokies and baked 'em." He kissed the top of her head and hugged her from behind as she sat in one of the soft chairs. "Thank you." She patted his arm lightly before he pulled away. Not hungry, but wanting to show appreciation for Jan's thoughtfulness, Dave went back to the table and snagged a piece of bruschetta before returning to the living room. The only empty spot was on the couch, with Becca on one side, Olivia on the other and Mel between the arm and Olivia. Dave settled in before taking a bite. "Oh, wow. This is great ladies." Dave said after savoring for a moment. "And Jan, before you try to turn all of it aside to Mel, proper presentation is important. Besides, the toast is perfect. Just the right amount of olive oil, nicely crisp with just a little give. Those are important parts of getting bruschetta right. And; I really appreciate the thought and the effort." "Thank you," Jan beamed. The others took turns getting plates in pairs while everyone engaged in chit chat. To be continued in part 4, Based on a post by RonanJWilkerson, in 12 parts, for Literotica.

How much you need to retire quiz: https://bit.ly/Adam-OlsonMost people think retirement problems are solved by saving more.But for Mike — a 60-year-old with over $1.2 million saved — the real breakthrough came from one simple fix: withdrawing smarter, not saving harder. In this episode, Adam Olson CFP® breaks down the exact withdrawal sequence strategy that turned Mike's retirement from anxious and unpredictable to smooth, tax-efficient, and fully structured for the next 30 years.You'll learn:• Why focusing on net worth creates anxiety in retirement• The withdrawal order that transformed Mike's cash flow• How guaranteed income, flexible income buckets, and long-term assets work together• The tax moves that prevented Medicare penalties and RMD tax spikes• How the Red Zone Retirement Planning Process™ creates predictable income for lifeIf you're approaching retirement and want confidence, clarity, and consistent income, this episode shows the exact system that makes it possible.

The podcast features Jon Forster interviewing Hasham Piperdy about the similarities and differences between Takaful and mutual insurance. Both models emphasize collective risk sharing and returning surplus to participants, but differ in ownership structure, capital provision, and investment restrictions. Takaful adds a layer of Shari'ah compliance, requiring investments to be Islamic and oversight by a Shari'ah board. The discussion highlights that while the models share cooperative principles, Takaful introduces faith-based ethics and governance.  Contributors: Hasham Piperdy, FIA; Lisa Schilling, FSA, EA, FCA, MAAA; Jon Forster, ASA, MAAA Thanks for watching and don't forget to subscribe! Want to keep up with the latest SOA news? Follow us on our social channels: Instagram: @soactuaries Facebook: Society of Actuaries LinkedIn: Society of Actuaries Twitter: @SOActuaries About Us: With roots dating back to 1889, the Society of Actuaries (SOA) is the world's largest actuarial professional organization with more than 32,000 actuaries as members. Serving as the SOA's research arm, the SOA Research Institute provides objective, data-driven research bringing together tried and true practices and future-focused approaches to address societal challenges and your business needs. It provides trusted knowledge, extensive experience and new technologies to help effectively identify, predict and manage risks. ● Learn more about Takaful and other engaging topics relevant for actuaries on the Professional Development Edge Subscription product.    https://www.soa.org/prof-dev/pd-edge/  

Loop ninety. Sloane remembers everything—and she's done playing by the Collector's rules.Instead of meeting Elias at the gas station, she goes directly to mile marker 47, where the loop closes. Using her threshold sight, she finally sees the truth: the debt binding them isn't one-sided. It can be balanced.When the Collector arrives to stop her, Sloane makes her choice—not to die, not to serve, but to bind herself to Elias as completely as he bound himself to her. Equal sacrifice. Mutual love. A debt that owes itself.The loop shatters. And for the first time, Sloane sees Christmas morning.Unlock an ad-free podcast experience with Caloroga Shark Media! Get all our shows on any player you love, hassle free! For Apple users, hit the banner on your Apple podcasts app. For Spotify or other players, visit caloroga.com/plus. No plug-ins needed!Subscribe now for exclusive shows like 'Palace Intrigue,' and get bonus content from Deep Crown (our exclusive Palace Insider!) Or get 'Daily Comedy News,' and '5 Good News Stories' with no commercials! Plans start at $4.99 per month, or save 20% with a yearly plan at $49.99. Join today and help support the show!We now have Merch!  FREE SHIPPING! Check out all the products like T-shirts, mugs, bags, jackets and more with logos and slogans from your favorite shows! Did we mention there's free shipping? Get 10% off with code NewMerch10 Go to Caloroga.comGet more info from Caloroga Shark Media and if you have any comments, suggestions, or just want to get in touch our email is info@caloroga.com

In this episode of Imperfect Show Finance, stock market expert V. Nagappan analyzes key developments impacting commodities and equity markets. The discussion begins with growing speculation over whether China may impose restrictions on silver exports, and what such a move could mean for global silver prices and investor strategies. The episode also explains why mutual fund company stocks surged today, breaking down the underlying reasons and whether this momentum is sustainable. Alongside these topics, the conversation touches on SEBI-related developments and broader market signals, helping investors connect policy actions with market movements. Packed with timely insights and practical analysis, this video offers valuable guidance for navigating today's fast-changing financial landscape.

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Most millionaires don't fail because they didn't save enough — they fail because they oversaved and never learned how to spend with confidence.In this episode, Adam Olson, CFP®, breaks down the Oversaving Trap — the silent habit that keeps high-net-worth retirees working longer, worrying more, and living smaller than they need to. You'll meet Nancy, a 64-year-old with $3.1M in savings who still feared retirement… until the Red Zone Retirement Planning Process completely reshaped her future.You'll learn:Why oversaving becomes a psychological prison for even the wealthiest retireesHow large Traditional IRAs create RMD tax bombs, higher Medicare premiums, and Social Security taxationHow Red Zone Retirement Planning shifts you from accumulation obsession to lifestyle-first cash flow designThe two-bucket strategy that separates needs from wantsHow strategic Roth conversions can eliminate future taxes and give you controlWhy Go-Go / Slow-Go / No-Go planning creates smarter, more enjoyable spendingThe mindset shift that finally gives retirees permission to live freelyIf you're within five years of retirement (or already retired), this episode will change how you think about money, freedom, and the purpose of saving.

Today, Bob & Linda open up about one of the hardest seasons of their marriage — a months-long battle over a life-altering decision that left them in tears, confusion, and deep disunity. What they learned in that painful stretch has become the backbone of how they help couples navigate money disagreements today… especially when one spouse feels called by God to give and the other isn't on board. If you've ever wrestled with:"What do I do when I feel God nudging me to give — but my spouse isn't there?"…this episode will minister to you deeply. Together, they unpack four biblical principles for staying unified, honoring God, and discerning His timing — without forcing agreement or abandoning conviction.   KEY TOPICS COVERED ✔️ The Lowe's Parking Lot BreakdownBob shares the raw story of the only moment he thought their marriage might not make it — and how God used that season to refine both of their hearts. ✔️ Why the enemy always pushes "either/or" thinkingAnd how God always has a third option you haven't seen yet. ✔️ What to do when you feel called to give… and your spouse doesn't.A practical, grace-filled approach that protects unity and honors conviction. ✔️ The timing principle: when a word from God is real, but not for right now. A simple budgeting tool that can reduce giving conflicts instantly:Using individual "spending money" accounts without hiding money. ✔️ How to pray when you're frustrated, angry, or absolutely sure you're right.(With two real prayers Bob & Linda actually use.)   SCRIPTURES MENTIONED (NLT) James 1:2–5 — Endurance, wisdom, and the refinement of trials. Romans 8:28 — God working all things for good. Ephesians 5 — Mutual love and honor in marriage. 1 Peter 5:7 — Cast your cares on Him. THIS WEEK'S ACTION STEP Set aside one night to pray. Don't solve the issue. Don't debate it. Simply pray for unity, wisdom, and softened hearts — together if possible. If your spouse is not a believer or unwilling: Pray alone and gently reaffirm to them, "I'm not going to move forward without your blessing." Then… go on a date. Restore friendship first.     ABOUT SEEDTIME MONEY Bob & Linda Lotich help Christians transform their finances through biblical wisdom, simple systems, and a heart for generosity. Follow for practical steps, honest stories, and hope-filled conversations about money & purpose. BONUS: Ever dreamt of hanging out with us for 6 weeks in your small group or church? Head to https://seedtime.com/true for details or shoot us a DM on Instagram (http://instagram.com/seedtime).   If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 1,000 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."  You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

This could be your best trade of the year! Join us as we share December secrets for your portfolio. We also talk about the shifting narratives around climate change, deregulation, and rising energy demand driven by AI. We also explore expectations for low energy prices through the election cycle, concerns about an AI-driven bubble, the continued K-shaped economy, and tactical investing insights such as exploiting year-end tax-loss selling, watching beaten-down sectors, monitoring insider buying, and recognizing mutual-fund distribution dips. We discuss... Political climate influences environmental narratives, pointing out that media references to "climate crisis" suddenly dropped as energy demand pressures changed. The explosion of AI data centers has quietly forced policymakers to pivot from anti-energy rhetoric to encouraging more electricity production and deregulation. How AI companies are now some of the largest new consumers of electricity, making cheap, abundant power a strategic priority for the tech sector. Energy prices are being politically managed to stay low into the midterm elections to keep inflation optics favorable. While AI valuations are stretched, there's unlikely to be an immediate bubble burst because capital flows and earnings momentum remain supportive. How end-of-year tax-loss harvesting creates forced selling in beaten-down stocks, temporarily pushing prices below fair value. Mutual funds selling to raise cash for capital-gains distributions can generate artificial dips that offer tactical buying windows for informed investors. Insider-buying activity is a useful signal in December, since executives often buy when their stock is mispriced due to seasonal pressures. A simple long-term Bitcoin approach: buy when it collapses on fear, hold through chop, and scale out when it becomes euphoric and parabolic. Concerns about the systemic risk attached to MicroStrategy's leveraged Bitcoin balance sheet and how a sharp BTC drawdown could spark forced selling. How crypto ETFs, institutional custody, and Wall Street participation may reduce volatility over time but also increase susceptibility to coordinated market moves. How markets today reward patience, skepticism, and tactical opportunism more than blind buy-and-hold in all sectors.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/best-trade-of-the-year-771

Jeremy Keil explores 7 money moves you can consider before the new year to lower your taxes and keep more of your money in retirement. Every December, people scramble to finish holiday shopping, travel plans, and year-end tasks. But one of the most important deadlines — your December 31st tax deadline — often gets overlooked until it's too late. And once the calendar flips to January 1st, many of the smartest tax moves disappear. In this episode of Retire Today, I walk through seven year-end tax steps you should consider to make sure April brings fewer surprises and more savings. With new tax laws taking effect, the stock market sitting near all-time highs, and contribution limits shifting in the coming years, this is the perfect moment to take control of your finances. 1. Manage Your Tax Bracket Before the Year Ends Your income may fluctuate from year to year — especially in retirement. Some retirees have unusually high-income years due to bonuses, pension payouts, early retirement packages, stock vesting, or unexpected distributions. Others have abnormally low-income years. If you're experiencing a higher income year, now is the time to pull deductions forward. Charitable giving, donor-advised fund contributions, and other deductible expenses can help lower your taxable income. If you're in a lower income year, you might choose to accelerate income instead — such as doing a Roth conversion or taking extra withdrawals at a better tax rate. Year-end planning starts with projecting your tax return and understanding which direction to go. 2. Harvest Capital Losses — and Sometimes Gains Even in years when the market is high overall, you may still have individual positions sitting at a loss. Harvesting those losses can offset gains or reduce taxes now or in the future. On the flip side, some retirees find themselves in the 0% long-term capital gains bracket, which creates the perfect opportunity to harvest capital gains on purpose. When you're in a low tax bracket and gains cost nothing, you can reset your cost basis without additional tax. This is one of the most underused year-end strategies — especially when markets have been climbing. 3. Review Mutual Fund Capital Gain Distributions Many mutual funds issue their capital gain distributions in December. You may not receive the money in cash, but it still counts as taxable income. Look up the estimated year-end distributions from your fund companies and double-check your brokerage account. Mutual fund distributions have surprised many retirees — and they can lead to unnecessary underpayment penalties if tax withholding isn't adjusted in time. 4. Get Your Tax Withholding Correct Years ago, tax underpayment penalties weren't a big deal. But with high interest rates today, penalties now operate more like expensive interest charges for not paying taxes in the proper quarterly schedule. If you expect to owe money for 2025, you may want to adjust withholding from your paycheck, pension, Social Security, or IRA distributions. For retirees over 59½, using IRA withholding is one of the easiest ways to catch up — and it is treated as if it was paid evenly all year. To avoid penalties, don't wait until spring. Make corrections before December 31st. 5. Use Qualified Charitable Distributions (QCDs) If you're age 70½ or older, QCDs allow you to donate directly from your traditional IRA to charity tax-free. This is often better than taking withdrawals and giving afterward — especially if you use the standard deduction. Even if you're not yet required to take RMDs, QCDs can reduce your future RMD burden and help you give in a more tax-efficient way. With 2025 bringing updated QCD limits and ongoing rule changes, it's smart to review your giving strategy now. 6. Make Annual Exclusion Gifts Before Year-End In 2025, the annual exclusion gift limit is $19,000 per person — and it remains the same for 2026. If you're planning to help your children or grandchildren, consider spreading the gifts across the end of this year and the beginning of next year to maximize tax-free amounts. For education planning, 529 plans also allow “superfunding,” letting you front-load up to five years' worth of gifts. Year-end is an ideal time to execute these strategies thoughtfully. 7. Rebalance Your Investments (Especially After a Big Market Year) When markets rise sharply, your portfolio may drift into a risk level you never intended. A portfolio that started at 60% stocks may now sit at 68% or higher. That's more risk than you signed up for — especially if you are nearing retirement. Rebalancing is a critical part of your year-end checklist. It brings your risk back in line, prepares your portfolio for the next year, and supports the long-term stability of your retirement plan. The Bottom Line Year-end planning isn't just about taxes — it's about taking control. Whether it's adjusting your income, harvesting gains or losses, fixing withholding, giving strategically, gifting to family, or rebalancing your investments, December is your opportunity to make meaningful changes before the window closes. Don't let the deadline sneak up on you. Start now so April feels predictable — not painful. Enjoying these episodes? Make sure to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel Create Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Poster Title: CelLockTM and Axlab: A mutual symbiotic relationship resulting in increased patient care quality. Authors: Clifford M Chapman ( Medi-Sci Consultants), Karla Escobar (Axlab -US), Timm Piper (Axlab –US) Abstract: An ever increasing number of tiny specimens are received in histology laboratories every day. Fine needle aspirates, needle biopsies, gastrointestinal and skin biopsies, along with research specimens such as organelles: all pose challenges in receiving, processing and preparing stained slides from such specimens. Axlab is a Danish based company founded in 1993 which specializes in finding novel solutions for pathology laboratories. Axlab recently announced the release of their AS-410M automated sectioning equipment. Receiving FDA clearance in 2024, this equipment has been successfully implemented worldwide, resulting in enhanced section quality and increased workflow efficiency. CelLockTM is an innovative standardized method for collecting individual cells and small tissue fragments for subsequent routine, immunohistochemical and molecular pathology diagnostic and investigative techniques. The CelLock method, which utilizes a novel product CelLGelTM , results in the collection and retention of 99.9% of the original specimen within a paraffin embedded cell-block. In addition, the specimen is precisely located within the paraffin block, close to the surface, and is identified by a marker to cue when sections should be taken. Axlab is currently investigating the use of CelLock and CelLGel in the preparation of cell blocks which can be precisely sectioned on their automated sectioning equipment. The initial results are presented in this poster.

Understanding Contract Defenses: The Safety Valves of LawThis conversation delves into the critical aspects of contract defenses, focusing on how contracts can fail despite appearing valid. It covers the distinctions between void and voidable contracts, the capacity of parties, vitiation of assent, misrepresentation, mistakes, and the implications of illegality and unconscionability. The discussion emphasizes the importance of understanding these defenses for law students preparing for exams, providing a structured analytical approach to tackle contract law questions effectively.In the intricate world of contract law, understanding the defenses available can be as crucial as knowing how to form a contract. These defenses act as safety valves, ensuring that agreements are not enforced when they are fundamentally flawed. Let's delve into the key defenses that can unmake a contract.Void vs. Voidable ContractsA critical distinction in contract law is between void and voidable contracts. A void contract is a nullity from the start, often due to illegality or lack of capacity. In contrast, a voidable contract is initially valid but can be invalidated by the victim due to factors like duress or fraud.Capacity and ConsentThe law protects those who may not fully understand the implications of a contract, such as minors or those with mental incapacities. These individuals have the power to disaffirm contracts, highlighting the law's protective stance. Consent, too, must be genuine. Misrepresentation, whether innocent or fraudulent, can render a contract voidable.Unconscionability and Public PolicyContracts that are grossly unfair or violate public policy are often unenforceable. Unconscionability addresses both procedural and substantive issues, ensuring that contracts are not enforced if they are shockingly one-sided.Understanding these defenses is crucial for anyone navigating contract law. They ensure that contracts are not just legally binding but also fair and just. As you prepare for your exams or real-world applications, remember these safety valves and their role in maintaining the integrity of contractual agreements.TakeawaysUnderstanding defenses is non-negotiable for law students.The difference between void and voidable contracts is crucial.Capacity of parties is a key factor in contract validity.Duress and undue influence can vitiate consent.Misrepresentation can be innocent, negligent, or fraudulent.Mutual mistake can lead to contract rescission.Unconscionability allows courts to refuse enforcement of unfair contracts.The statute of frauds requires certain contracts to be in writing.Restitution is a common remedy when contracts are unwound.A systematic approach is essential for analyzing contract defenses.contract law, void contracts, voidable contracts, capacity, consent, duress, misrepresentation, fraud, unconscionability, statute of frauds

This week at Venture, Pastor Morgan concluded our Journey Through Ephesians series with a powerful and deeply practical message from Ephesians 5–6 on what it means to build a Spirit-filled home. Paul teaches that the truest test of our spiritual maturity isn't found on Sundays, in small groups, or in public — it's found in our homes. Pastor Morgan unpacks how the Gospel should transform our marriages, our parenting, and even our work relationships. A Spirit-filled home is built on:• Mutual submission• Christlike love• Godly order• Every relationship submitted to Jesus From marriage roles to parenting with gentleness, to representing Christ in the workplace, this message challenges us to invite the Holy Spirit into the center of our homes and everyday relationships. If your home feels chaotic, heavy, or dry — there is hope. The same Spirit who fills us in worship can fill our homes with peace, unity, and transformation. ⏱️ Timestamps 00:00 – Welcome to Venture Church Online00:06 – “Tell us where you're watching from!”00:14 – Christmas vibes + Yule log jokes00:34 – Pastor Morgan begins + series conclusion01:12 – Recap: Armor of God (previous series)01:35 – Christmas season officially begins01:54 – Thanksgiving leftovers mourning02:14 – Hosting 12 people + refreshing the home02:46 – What a “reset” does for a house03:06 – Physical home vs. spiritual home atmosphere03:54 – Losing your holiness at home04:12 – Making Jesus famous at work vs. at home04:39 – Chaos, Legos, Costco flannels & sanctification05:17 – The home as the true test of spiritual maturity06:12 – Review of Ephesians: spiritual blessings, identity07:05 – From mountaintop truths to family relationships07:24 – If the Gospel doesn't change your home…07:48 – Instructions for Spirit-filled households08:03 – Reading Ephesians 5:21–3309:25 – Main point: A Spirit-filled home is built on mutual submission10:08 – Context: Greco-Roman household codes11:08 – How Christianity revolutionized the home11:32 – Centering all relationships on Jesus11:56 – Giving dignity and value to every family member12:23 – Calling those with power to sacrifice the most12:48 – “Submit to one another out of reverence for Christ”13:03 – Definition: Voluntarily placing others above yourself13:32 – A Spirit-filled posture says: “Christ is Lord of this home”14:24 – Submission isn't weakness — Jesus modeled it15:20 – The Spirit submits to the Son — equality within submission15:46 – Submission = Christlikeness16:12 – Marriage roles begin with mutual submission16:46 – Wives: honor your husbands (own husbands!)17:11 – Misuse of this text addressed18:18 – Submission is not inferiority, silence, or passivity18:56 – Proverbs 31: strong, wise, capable women19:26 – Honor creates atmosphere for husbands to thrive19:50 – Husbands: love like Christ loved the Church20:13 – Wives submit, husbands sacrifice20:41 – Your wife doesn't need a king — she has one21:20 – Husbands set the tone of the home21:49 – Pilot illustration — calm leadership22:40 – Your marriage preaches a sermon daily23:06 – Spirit-filled parenting begins23:40 – Children: obey and honor your parents24:06 – The promise that comes with obedience24:24 – Teaching youth the value of honor25:09 – Parents: do not provoke your children25:39 – Don't crush your kids with criticism26:13 – “Bring them up” — nurture, don't intimidate26:37 – Parents + pastors = partnership (NextGen vision)27:37 – Children are like wet cement — everything leaves a mark28:08 – Spirit-filled work relationships28:18 – Working as unto the Lord29:04 – Christians should be the most reliable workers29:48 – Your work is worship30:13 – Leaders: use influence to bless, not manipulate30:35 – Business owners leading with Christlike character31:01 – Spirit-filled relationships submit to Christ31:17 – Taking inventory of our own homes31:44 – Is Christ the center of your home?32:01 – What atmosphere greets people in your house?32:50 – The Spirit can transform your home33:13 – Harshness, sarcasm, avoidance — and hope33:42 – Husbands, wives, children, parents, leaders — all worship34:36 – The Spirit who fills you at church can fill your home35:02 – God can heal marriages and restore families35:29 – Response moment: invitation to be Spirit-filled36:14 – Prayer for homes and families36:50 – Corporate closing prayer37:49 – Venture sign-up reminders + Winter Camp38:26 – Subscribe + learn more about Venture Church

How much you need to retire quiz: https://bit.ly/Adam-OlsonMost people think having a few million saved automatically guarantees a stress-free retirement. But when the paycheck stops, fear shows up fast. In today's episode, I walk you through the real story of Dave and Dawn — ages 59 and 58 — who came to me with $2.8 million saved and one big question:“Can we retire now and never work again?”Using my Red Zone Retirement Planning Process™, we break down:How to turn a nest egg into a reliable paycheckHow spending evolves in the Go-Go, Slow-Go, and No-Go YearsHow to generate guaranteed income for essential needsHow to optimize taxes with strategic withdrawal sequencingHow to bridge healthcare before Medicare at 65How to build confidence in early retirement without fear of running outIf you're 5–7 years away from retirement — or wondering whether you can retire early with a sizable portfolio — this episode gives you the roadmap, the math, and the mindset needed for clarity.

12/7/25 Tom reflects on the pattern of annunciation narratives in the Bible and the invitation to non-competetive blessing and flourishing.

" Mutual grace seems to be part of Paul's plan to unite the early Christian Church, and every generation of believers has had to grapple with this question of what is foundational to our faith. This ongoing work requires both the intervention of the Holy Spirit and I think a measure of sacred imagination to envision what has not yet come to be. And in this season of Advent, we are invited to slow down to exhale in the midst of the busyness of the season as we prepare our hearts and our minds for the coming of God incarnate."

Same Time, Same Station 12/07/2025 Christmas Week 1. “Jill’s Juke Box” AFRS 12/25/46 Christmas Special Program. “Journey Of The Magi” 12/24/1947 Mutual.. “The Martin & Lewis Show” 12/21/1948 Christmas show. “The Marriage” 12/20/1953 ep12 Liz Gets Christmas Job. Stars Hume Cronin, and Jessica Tandy. If you would like to request shows, please call (714) 449-1958 E-mail: Larry Gassman: LarryGassman1@gmail.com John Gassman: John1Gassman@gmail.com

Same Time, Same Station 12/07/2025 Christmas Week 1. “Jill’s Juke Box” AFRS 12/25/46 Christmas Special Program. “Journey Of The Magi” 12/24/1947 Mutual.. “The Martin & Lewis Show” 12/21/1948 Christmas show. “The Marriage” 12/20/1953 ep12 Liz Gets Christmas Job. Stars Hume Cronin, and Jessica Tandy. If you would like to request shows, please call (714) 449-1958 E-mail: Larry Gassman: LarryGassman1@gmail.com John Gassman: John1Gassman@gmail.com

DOES SHE REGRET LOSING YOU - HINT - NO + THE MUTUAL BREAKUP MYTH...Also, you can get a free 7-day dating course at DocLove.com/Course and free dating videos at DocLove.com/YouTube

Most people think retiring at 58 is “too early”… but after working with hundreds of pre-retirees, I can tell you — many could walk away years sooner than they think.In this episode, I break down the framework behind early retirement and show you why the biggest retirement mistake isn't leaving too soon… it's waiting too long based on outdated assumptions.You'll hear the real story of Mark and Susan — a couple who came to me at 58 feeling unsure, unprepared, and afraid they didn't have enough. With $1.8 million saved, a pension starting in two years, and a timely inheritance, we designed a strategy that allowed them to retire confidently, travel early, and enjoy their healthiest years instead of working through them.In today's episode, you'll learn:Why “the number” is one of the most misleading retirement mythsHow retirement spending naturally drops 20–30% after leaving workWhy your late 50s may be your best health and energy windowThe bridge-income strategies that make 58 retirement realistic— pensions, Roth contributions, ACA planning, and part-time workHow regret prevention should guide your timing decisionsWhat a comprehensive 58-retirement plan actually looks likeHow the Red Zone Retirement Planning Process™ supports early retireesIf you're in your mid-50s and wondering whether you're actually closer to retirement than you think, this episode will give you the clarity and confidence you need.Want to see whether retiring at 58 works for you?Take my free Retirement Readiness Quiz — and I'll send you a personalized planning video based on your results.How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting 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.

In this episode, Dr. Marjorie Dorimé-Williams and Dr. Michael Steven Williams talk about why dating after divorce can feel harder for people who are good co-parents. They explain how having a healthy relationship with an ex can make you look stable and attractive, but also make new partners nervous or jealous.The conversation covers dating boundaries, trust issues, emotional triggers, and why some people struggle to date someone who communicates well with their ex. They also talk about red flags like calling every ex a narcissist, people who fear co-parenting setups, and partners who struggle with shared parenting routines.You'll also hear their thoughts on when to introduce new partners to your kids, what children learn from the relationships they watch, and how to build safe and respectful communication in new relationships.This episode is for anyone who is dating after divorce, co-parenting, or trying to understand how parenting and relationships intersect.

After one of the most challenging years for the humanitarian system, Sudan offers both a stark warning and a source of new thinking. This episode of Think Change examines how local actors are reshaping aid around solidarity, dignity and community leadership.Sudan's crisis is unfolding at an extraordinarily difficult moment. Since violence escalated in April 2023, state institutions have collapsed, essential services have disappeared and millions have been displaced. Yet despite the scale of suffering, the conflict has remained one of the world's least visible, receiving minimal political attention and limited media coverage.But as formal systems fell away, communities themselves stepped forward. Mutual aid networks – most prominently the Emergency Response Rooms (ERRs) – have grown out of Sudan's long history of neighbourhood organising and now play a central role in protecting civilians, coordinating life-saving assistance and sustaining basic services. Operating as volunteers with scarce resources, they have become the only functioning governance structures in many areas.At the same time, global recognition of their efforts is growing. The ERRs' innovation and courage have earned nominations for the Nobel Peace Prize in both 2024 and 2025, highlighting not only the impact of their work but also the larger challenge they pose to international actors: to reconsider power, legitimacy and the role of civic leadership when states can no longer function.With Sudan's future hanging in the balance, the questions are urgent. What does genuine locally led leadership look like in a moment of institutional collapse? How can global actors support community-driven resilience without undermining it? And what might the ERRs' example mean for the future of humanitarian action worldwide?GuestsSara Pantuliano (host), Chief Executive, ODI GlobalAlsanosi Adam, External Communications Coordinator for the Emergency Response Rooms of SudanLuka Biong Deng, Adjunct Professor at the Institute of Peace, Development and Security Studies; Former National Minister of Cabinet Affairs of Sudan & Minister in the Office of the President of South SudanDenise Brown, United Nations Resident Coordinator in Sudan Freddie Carver, Director, Humanitarian Policy Group, ODI GlobalRelated resourcesFrom 'ego-systems' to 'ecosystems': renewing humanitarian action (Publication, ODI Global)ODI Global and NEAR's advisory panel on the future of humanitarian actionODI Global's Sudan resources hub

Russia has adopted a visa-free policy for Chinese citizens visiting the country for tourism or business purposes, a reciprocal move that is expected to promote the development of tourism, trade and exchanges between the two countries and contribute to their economic growth.俄罗斯对中国公民实施免签政策，适用于旅游或商务目的。作为一项互惠举措，这项政策预计将推动两国旅游、贸易及交流的发展，并为两国经济增长作出贡献。Russian President Vladimir Putin signed an executive order on Monday allowing Chinese nationals to enter Russia visa-free and stay for up to 30 days for purposes including family visits, business trips, tourism, and participation in scientific, cultural, sociopolitical, economic or sports events, as well as transit.俄罗斯总统弗拉基米尔·普京于周一签署行政令，允许中国公民免签入境并停留最长30天，适用于探亲、商务、旅游，以及参与科研、文化、社会政治、经济或体育活动等用途，也包括过境。The order, which took effect immediately, will expire on Sept 14, 2026.该行政令即刻生效，将于2026年9月14日到期。The news quickly went viral in China and several domestic travel portals reported a surge in search traffic for tour products to Russia.消息迅速在中国网络上引发热议，多家旅游平台报告称前往俄罗斯的旅游产品搜索量大幅增长。Travel agency Qunar said that searches for flights from Hangzhou in Zhejiang province to St. Petersburg increased more than threefold within the first hour, while searches for Beijing–Moscow flights surged 44 percent during the same period.旅游平台“去哪儿网”表示，消息发布后一小时内，浙江杭州至圣彼得堡的航班搜索量增长超过三倍，北京—莫斯科航线的搜索量也在同期激增44%。Li Yanqiu, 35, who lives in Beijing, said she and her husband have always wanted to visit Lake Baikal in Siberia as well as Moscow. In 2018, she made a short business trip to Kazan in western Russia and was impressed by the country's culture and natural landscapes.住在北京的35岁李燕秋表示，她和丈夫一直想去西伯利亚的贝加尔湖和莫斯科。2018年，她曾赴俄罗斯西部城市喀山短期出差，对当地文化和自然风光印象深刻。“Now is a good time to visit Russia again, this time with my family,” she said, giving a thumbs up to the reciprocal visa-free policy.“现在正是再访俄罗斯的好时机，这次我想和家人一起去。”她说，并为这项互惠免签政策点赞。Wei Changren, founder of btiii.com, a tourism-related financial news website, said two routes are traditionally popular among Chinese travelers to Russia: Moscow–St. Petersburg and Russia's Far East region. He said the visa-waiver policy will undoubtedly boost cross-border tourism.旅游财经网站劲旅网创始人魏长仁表示，中国游客赴俄的传统热门路线主要有两条：莫斯科—圣彼得堡，以及俄罗斯远东地区。他指出，免签政策必将促进跨境旅游发展。Putin's executive order is based on the principle of reciprocity.普京的行政令以“互惠原则”为基础。On Sept 15, China launched a one-year trial of a 30-day visa-free policy for Russian nationals with ordinary passports, covering business, tourism, family visits, participation in exchange events and transit. This policy also expires on Sept 14, 2026.9月15日，中国对持普通护照的俄罗斯公民实施为期一年的30天免签试行政策，适用于商务、旅游、探亲访友、参加交流活动及过境。该政策同样将于2026年9月14日到期。Inna Klochko, 53, from Vladivostok, recently spent a night at the Maple Leaf Village Hot Spring Resort Hotel in Harbin, Heilongjiang province. Since China's visa-free policy took effect, she has visited Harbin twice, enjoying the city's scenery, food and hot springs.来自俄罗斯符拉迪沃斯托克的53岁游客伊娜·克洛奇科近日入住了中国黑龙江哈尔滨的枫叶小镇温泉度假酒店。自中国免签政策生效以来，她已两次到访哈尔滨，尽享当地美景、美食和温泉。“I felt a sense of familiarity with the European-style architecture on Harbin's Central Avenue. I also tasted guobaorou,” she said. “But the highlight was the hotel's intelligent temperature-controlled hot springs and the unique ‘double-flavor hot pot pool', which made me want to return.”“在哈尔滨中央大街漫步时，那些欧式建筑让我倍感亲切，我还品尝了地道的锅包肉。”她说。“最令人难忘的是酒店的智能恒温温泉和独特的‘双味火锅池'，让我非常想再来。”Previously, applying for a Chinese visa required more time and effort, Klochko said. “Now I just submit an electronic declaration via a mobile app, and I can pass customs in under five minutes.”克洛奇科表示，以前申请中国签证较为繁琐，“现在只需提前通过手机App提交电子申报，入境时不到五分钟就能通关。”In the past two months, Harbin Trip of Garden International Tour Co, a local travel agency, has received more than 400 Russian tourists — a 30 percent year-on-year increase.过去两个月，哈尔滨本地旅行社“哈旅国际旅行社”已接待超过400名俄罗斯游客，同比增加30%。“Most visitors come from Vladivostok and Khabarovsk,” said Wang Taixiang, the company's vice-general manager. “After arriving in Harbin, they often go on to Beijing, Shanghai, Xi'an, Luoyang or Zhangjiajie.”该公司副总经理王太祥表示：“游客大多来自符拉迪沃斯托克和哈巴罗夫斯克。抵达哈尔滨后，他们常会继续前往北京、上海、西安、洛阳或张家界等热门城市。”Zhang Jinshan, a tourism researcher at Beijing Union University, said China, which shares the longest land border with Russia, has a large outbound tourism market. Mutual visa waivers will greatly stimulate tourism and strengthen people-to-people exchanges.北京联合大学旅游规划与发展研究学者张金山指出，中国与俄罗斯拥有世界上最长的陆地边界，并具备庞大的出境旅游市场。互免签政策将大幅促进旅游发展和民间交流。He added that Russia's reciprocal visa-free move will not only boost tourism but also help revitalize industrial zones in Northeast China and Russia's Far East.他补充说，俄罗斯的互免签举措不仅能促进旅游，还将有助于振兴中国东北及俄罗斯远东地区的传统工业区。visa-free policy免签政策electronic declaration电子申报pass customs通关revitalize industrial zones振兴工业区Far East region远东地区

Chris Davenport hasn't been on the podcast in a few years and since then, a lot in his world has changed and lot has stayed the same. Dav still goes on more incredible adventures than almost anyone in the ski industry but these days he's not looking for firsts or anything like that, he's more focused on chasing powder while leading groups that froth over time with Dav in the mountains. He really has built something special with his career, but it hasn't all been easy. On the podcast we talk about the business of Dav, the Peak Ski fiasco, moving forward with a brand he's stoked on, DPS Skis, and a whole lot more. Mutual friend, lawyer, and hardcore skier, Malone Camp asks the Inappropriate Questions. Chris Davenport Show Notes: 4:00: Antarctica, Jim Morrison/Everest, being goal orientated, not driven by ego, his accomplishments, evolution of skiing, and Japan    21:00: Ski Idaho: With 19 mountains, a ton of snow and no lift lines, why wouldn't you Visit Idaho Stanley:  The brand that invented the category! Only the best for Powell Movement listeners.  Check out Stanley1913.com   Best Day Brewing:  All of the flavor of your favorite IPA or Kolsch, without the alcohol, the calories or sugar. 24:00: His travels, the climate change he's seen with his own eyes, Superstars Ski Camp, Aspen, and money     40:30: Elan Skis:  Over 75 years of innovation that makes you better. Therm-ic Heated Socks: The branded that invented Heated Socks Outdoor Research: Click here for 25% off Outdoor Research products (not valid on sale items or pro products) 43:00: Rhalves, McConkey, Coombs, Kastle,  The Peak failure, and DPS 64:00: Inappropriate Questions with Malone Camp

In the latest episode of Rising Tide, David Helvarg speaks with Peter Gros and Dr. Rae Wynn-Grant, co-hosts of “Mutual of Omaha's Wild Kingdom: Protecting the Wild,” a show whose origins go back to 1963, when most televisions were still black and white, but wildlife was both more abundant and less understood. Today, you can see their Emmy-nominated television show on Saturday mornings on NBC or watch it on Peacock, Amazon Prime, YouTube - so many outlets, you have no excuse not to watch it, once you've heard what they have to say on this podcast.    Peter Gros is, among other things, a wildlife expert, a licensed animal educator, and a 40-year veteran of the show many of us grew up on.Dr. Wynn-Grant is a wildlife ecologist specializing in carnivore-human interactions who also focuses on expanding science communications and sustainability. A National Geographic research fellow and author, she joined the show in 2023. ‘Wild Kingdom' is also getting saltier over time with more ocean shows on gray whales, white sharks, coral reefs, and one of our favorites, kelp forests, including their most famous residents, the voracious marine weasels also known as sea otters. So, dive in for a fun and informative interview with these two land and sea stars.** Additional Resources **WILD KINGDOM PROTECTING THE WILD — Get inspired by wildlife success stories on Mutual of Omaha's Wild Kingdom Protecting the Wild! Since 2023, Co-Hosts Peter Gros and Dr. Rae Wynn-Grant have taken viewers around the world in search of the most captivating wildlife conservation wins. Watch Season 3 on NBC and stream past episodes on nbc.com. Go behind the scenes of the show with in-depth stories from animal experts on Mutual of Omaha's Wild Kingdom The Podcast.Rae Wynn-Grant, PhD — Wildlife Ecologist, TV Presenter, Author, Speaker & Co-host of Mutual of Omaha's Wild Kingdom Protecting the WildBlue Frontier / Substack — Building the solution-based citizen movement needed to protect our ocean, coasts and communities, both human and wild.Inland Ocean Coalition — Building land-to-sea stewardship - the inland voice for ocean protectionFluid Studios — Thinking radically different about the collective good, our planet, & the future.

In this candid and intimate episode, Lauren and Trey explore the idea of sexual currency and how consistent deposits into a partner's sexual bank account can transform intimacy in long-term relationships. They share the story of a magical sexual encounter they had the night before and talk about why it was only possible because Trey had been investing in Lauren's sexual bank account for the past 4 to 6 weeks.They revisit the rough menstrual cycle documented earlier in the season and talk about the way Lauren has been shedding an old version of herself. Trey's patience, curiosity, and willingness to give her the space she needs have helped her feel more attracted, more connected, and more open to erotic exploration.Together they break down the specific investments that made the difference. Curious questions. Protecting Lauren's alone time. Mutual masturbation and how they make it work. Words of affirmation. Compliments. Acts of service, including Trey laundering Lauren's period underwear. And the impact of Trey not complaining, sulking, or pressuring Lauren when her capacity for sex shifted.They also share a recent moment where Trey offered Lauren feedback and she tried a new technique of listening as a friend instead of as someone who needed to defend herself. That shift made a deposit in Trey's sexual bank account and created more emotional space and helped deepen their connection.Lauren and Trey talk about how when women say they do not want sex - they are talking about the boring kind of sex. The type of sex women actually want is sex that feels safe, secure, connected, and adventurous. They describe why last night's sex is the kind most couples dream about and how it becomes possible through emotional investment, clear communication, and trust.Lauren also shares her favorite Maude vibrator, the VIBE: https://getmaude.com/SEFY?q=vibe-personal-massagerIf you want to learn how to make meaningful deposits into your partner's sexual bank account, you can request a free consult at: www.sexedforyou.com/freeconsultIf this episode supports you, please like, share, and subscribe.Ideal for couples in long-term partnerships who want deeper intimacy, more desire, and better sex.About Us: Lauren 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, as well as increase the possibility of having pleasurable and safe sexual experiences, free of coercion, discrimination and violence. (WHO)Sexual health is fundamental to the overall health and well-being of individuals, couples and families, and to the social and economic development of communities and countries. (WHO) When individuals are blocked from sexual health they are stunted from developing a sense of sensual play and enjoyment. • Learn more about Sex Ed for You at ⁠⁠https://www.sexedforyou.com⁠⁠• Schedule a FREE CONSULT with Lauren today: ⁠⁠https://www.sexedforyou.com/freeconsult⁠⁠• Learn more about partnered communication best practices on Sex Ed For You's Instagram Page: ⁠⁠https://www.instagram.com/sex_ed_for_you/⁠⁠• Subscribe to our YouTube channel for more videos about sex, partnership, communication, and love: ⁠⁠https://youtube.com/@thepartnershippodcast⁠⁠Reminders: This is not a "how to" podcast, but rather a "how they" podcast. Please listen to our opinions and then come to your own! Learn from our mistakes or give our techniques a try! It's all up to you. Lauren is NOT a therapist. She is a Certified Holistic Sexuality Educator and Embodied Intimacy and Relationship Coach.

Send us a text“The Detonator and the Survival Kit: Recovering the Map Beyond the Wreckage” featuring Jonathan Kuttab"Welcome back to Understanding Israel Palestine, a Beyond the Walls edition. I'm Jeremy Rothe-Kushel.Today, we re-open a black box recording from a time of useful consciousness: my March 2021 conversation with long-serving Palestinian human rights attorney Jonathan Kuttab. Back then, the UN, US, EU, Russia Quartet kept the 'Two-State Zombie craft' aloft—rough but steady. Peace could be claimed to still be just around the alley. But this recording identified sabotage in real time. We saw the Abraham Accords not as peace, but as lubricant for a slow detonator—weapons deals designed to erase the Palestinian question entirely.We listen now during ongoing human catastrophe and cease-less firing in Gaza from Thanksgiving Week 2025. The detonator triggered. Moscow —as Hamas confirmed on TV soon after October 7th —welcomed the explosion as chaff to distract the West from war in Ukraine. Netanyahu then hung his genocidal Gaza 'response' to his own alleged 'failures' of security as an albatross around his coalition of the willing American neck. He seized the smoke to flee forward from corruption trials, political resistance and credible suspicion of his regime's treason, and pulled the trigger on a 'Second, possibly final, Nakba' by fire.Don Trump's envoy Steve Witkoff has now picked at the ash, with no real ceasefire or reconstruction plan, but a realestate prospectus—$70 billion for a beachfront windfall with Palestinians to be gone for a generation. Serious diplomacy walks dead. But this recording holds pieces of a survival kit. Kuttab offers a Hybrid Confederation: A Jewish Defense Minister for existential safety; a Palestinian Police Chief for internal dignity. Mutual sharing of language and culture. To get Beyond the Walls, we must go Beyond the Two-State Solution. Separation was sabotage from the get-go. Shared security and mutual survival may be the only path to return home." Jonathan Kuttab: https://jonathankuttab.org/Understanding Israel Palestine: https://www.buzzsprout.com/2016486Beyond the Walls: https://beyondthewalls.substack.com/ 

Think you control your money because you have a 401(k), IRA, or a checking account?  In this episode, we unpack the real problem in Becoming Your Own Banker: chasing rates on tiny savings while 34.5% of every disposable dollar quietly goes to interest.

How much you need to retire quiz: https://bit.ly/Adam-OlsonMost retirees don't realize they're falling into the 84% mistake—anchoring their retirement spending to Required Minimum Distributions (RMDs). JP Morgan's research shows 84% of retirees withdraw only the minimum required amount, leading to chronic underspending, lost experiences, and higher lifetime taxes.In this episode, Adam Olson, CFP®, breaks down why RMDs were never designed for lifestyle planning and how this mistake quietly undermines your retirement confidence. Using his Red Zone Retirement Planning Process, he shows how to:Create reliable income for your needsBuild a flexible, inflation-adjusted spending strategy for your wantsCoordinate taxes and withdrawals to reduce lifetime taxes and leave a smarter legacyYou'll also hear the real-life story of Nancy and Bob—a couple who went from anxious underspenders to confident retirees—after redesigning their income plan through Red Zone.If you're nearing or already in retirement, this episode will help you stop underspending, start living, and take control of your income instead of letting the IRS rules decide for you.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.

And thus ends the longest running series on Mutual. Hawk Chronicles has been running continuously for 300 weeks. We're completed season 12 and hoping for more to come in the future. But for now, Scarlett has discovered a bomb placed under the Theodore Roosevelt Bridge in DC. Nelson has been summoned to disarm it. Does this mean operation Ralph has started? Hanaka and his guard feel the pressure of the Mercury crew bearing down on them so they attempt to escape the mountain fortress and reach Zardoz. Agent Tony Simon along with Lenora and Slane press Alex for answers and discover the mole at the Baku Embassy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving! As we head into what I hope is a fun and restful weekend for everyone, here's an encore of our annual Turkey Day special - a five-course meal of radio mysteries set around the holiday. Casey, Crime Photographer stars in a pair of stories: "After Turkey, the Bill" (originally aired on CBS on November 27, 1947), and "Holiday" (originally aired on CBS on November 25, 1948). As Jeff Regan, Jack Webb meets modern-day Miles Standish and finds a turkey shoot where it isn't a bird who catches the bullet in "The Pilgrim's Progress" from Jeff Regan, Investigator (originally aired on CBS on November 13, 1948). George Valentine comes to the aid of a boy in trouble in "Cause for Thanksgiving" from Let George Do It (originally aired on Mutual on November 20, 1950), and Steve Dunne stars as Sam Spade, who's hired by a Tom Turkey in "The Terrified Turkey Caper" (originally aired on NBC on November 24, 1950). Plus, keep an ear out for some music and comedy for the holiday from some old time radio favorites!

On Today's episode of Transforming Healthcare with Dr. Wael Barsoum, we're excited to be filming for the first time and that too with an incredible leader in the payor industry, Tony Helton. Tony Helton is the President and Chief Executive Officer for Medical Mutual of Ohio. Prior to being appointed to his current role in November 2024, he was the organization's EVP and CFO. Earlier in his career, Helton spent nearly two decades at the Cleveland Clinic in several roles, including Interim CFO and Executive Director of Revenue Cycle Management and Continuous Improvement. Helton earned a bachelor's degree in accounting and an MBA from John Carroll University. Join us as we delve into what a mutual is, the differences between mutuals and insurances, and Tony's mission for his community and his incredible journey in this industry.    

Political commentator Lily Eagla joins host Joshua Turek to discuss mutual aid, retraining the offline world back into your brain, and books that radicalized her.Sign up for Joshua's weekend Zoom Poetry workshop now for the Dec6&7 gathering!booksmutual aid by dean spadeAutobiography of Benvenuto CelliniThe Year of Living BiblicallyOur American Israel100 years was on palestine by rashid kalidithe autobiography of malcolm x Hosted on Acast. See acast.com/privacy for more information.

With Thanksgiving only a few days away, we're joining Sherlock Holmes and Dr. Watson for some mysteries set around the dinner table. First, Tom Conway and Nigel Bruce are Holmes and Watson in "The Strange Case of Mrs. Abernetty" (originally aired on ABC on November 30, 1946). Then, it's a pair of mysteries starring John Stanley and Alfred Shirley - "The Case of King Phillip's Golden Salver" (originally aired on Mutual on February 29, 1948) and "The Case of the Very Best Butter" (originally aired on Mutual on April 18, 1948).

Donations Resources (feminine hygiene products, and diapers, etc.)https://my.liberaforms.org/solidarity-kitchen-2Cash Pledges (100 percent goes to families)https://my.liberaforms.org/solidarity-kitchen-3Here is our plan: December 2, 2025 (Tuesday), 2:30 p.m. - 7 p.m., North Point ChurchServe up to 400 to go meals for students, parents and/or family members in our school district who have experienced the government shut down, food insecurity, or just plain tight times, with inflation and the job market.We will cook and pack to-go containers of meals, and be ready to send those off with students and/or families and/or caregivers. We will also have cash donations to put into envelopes, gift card donations to give away to those families that need additional support recovering from the shutdown or SNAP break. If folks would like to give to this, we are in process of setting up a secure format for it, in collaboration.TRANSCRIPTSDanielle (00:00):Cut it off. I just is so swamped with trying to respond to people's texts and calls. We have the whole system going, but I can explain more when we talk. It's justJenny (00:12):Okay. Oh my gosh. Yeah. We can do kind of a short one if that helps, or whatever feels supportive for you.I'm doing good. I'm thinking about the American Academy of Religions Conference this weekend. It kicks off tonight and I'll be presenting on my panel tomorrow, so I've been thinking about that.Yeah, I feel nervous, but I feel good. I feel really supported by the Purity Culture Research Collective and the colleagues and friends that I have there. So I mostly excited just to see folks coming in from all over, so I think it'll be a fun time.Danielle (01:02):Do you feel like you're going to be able to say what you want to say in the way you want to say it?Jenny (01:08):I think so. I keep reading over it again and again and tweaking it. It's hard to say what you want to say in five minutes, but,Oh goodness. I think there's eight of us. Eight or nine, I can't remember exactly. So we each get five minutes, but then it opens up into a q and a and sort of a discussion, so I'll have more time to expand on what I'm trying to say and it'll be fun to weave it together with other people.Danielle (01:42):It's interesting. I feel like we're all in these different places. We are physically sometimes, but even if we're in the same city and we're doing different things towards similar goals, that really strikes me. It's one reason I get excited about what you're doing.Oh, yeah, that's right. Well, I think I wrote in an email to friends to get it started. Basically what happened is we were at a band concert a month ago and it was the government shutdown, and my kids were talking about it and some of their classmates not having paychecks, their parents not having paychecks because we live in Kitsap County, and so there are two military, well, maybe there's three military bases in the area, so a lot of government funded work employees, the military obviously. And then also in our school district, I became aware that almost 30% of our students are either on SNAP or free and reduced lunch. So if you add that plus the level of the population of kids in our schools, either with parents in the military or in government position jobs, that's a lot of kids. And so I was like, oh, shit, what are we going to do? And I thought to myself, I was like, how can you not get on board with feeding kids? Really? They're innocent, they're young. I mean, we have plenty of riches in our county, in our country actually to do this should not be a thing. So that's kind of how it got started.Well, now it's called the Solidarity Kitchen. I'm like one member. There's many members of the Solidarity Kitchen, and we try to make decisions collaboratively. Some of us are better at some things like I'm not going to, I did take my food handlers permit test and passed it, by the way, today. Good job. I'm not going to be in charge. I'm not the expert at that. I like cooking for masses. So although I give input, there's other people that know more than me. There's also other people that know more about organizing volunteers or creating forms, and I dabbled a little bit in the art, but there's people that know more about how art should look and the words that need to go on art. I'm out here telling people, Hey, this is what we're about.(04:07):Would you like to join us? And trying to make space that's big enough for a lot of people to join in. It really felt like this collective consciousness movement. I go and I talk to someone, they're like, oh, we would love to do that. And it's like they've already thought of it. So it's not me trying to convince anybody to do anything or any of us, it's just like, oh, this is a need. This is something we can do. And we don't have to agree on a thousand things to get it done because I don't know. I know there are people in our government right now that are just wicked enough not to feed kids. We saw that as evidence, and I won't say any names. And also the new budget that's coming out in the big bill is going to cut snap benefits massively. So this is probably going to be an ongoing issue for kids, but it seems like a slam dunk to me. If you don't have food, if you don't have water, if you don't have shelter, if you don't have safety, how are you supposed to learn?Jenny (05:09):Yeah, right. I'm thinking about kids too and just how much their brains, their bodies are just burning through calories as they're growing, as they're learning, as they're developing. And of course every body needs food, but I think especially kids need a lot of food because their bodies are going through a lot of metabolism and a lot of change.Danielle (05:35):I think the collective messaging of the government saying basically, I've heard a lot of political pundits say, if you're on snap, if you're on free and reduced lunch, you're lazy. Your parents are lazy. Well, that's just not true. My kids have been on free and reduced lunch, and I remember the times when I was in grad school and we were living on one check, and I'm trying to go back to school to get paid, and you're literally short on money. Making lunches is expensive. And so to have that as an option increases capacity in other areas of your life. It's not that parents are lazy. It's not that parents aren't working jobs. So if that's the collective message, but what it does is it takes food out of the mouths of kids and kids, no matter what we say or think or believe, they are receiving that messaging that your parent might be lazy or your parent is leaching off the government or whatever these horrible tropes are that are spread by certain politicians. I won't say their names. I mean, do we think kids are really that dumb that they don't understand that, right? I mean, they get it. Yeah.Jenny (06:47):Right. When really the issue is hoarding, and I was thinking it's really actually pretty recent in human history that most people have even had to buy food. Food comes from the land, from the earth, from animals, from all of these things. And yet we have privatized and subsidized and commodified everything to make it so that you have to be able to have money to be able to afford food, which is just to me, I made this post recently where I just said, I cannot think of anything more opposite than Jesus' message of don't worry about what you'll eat, what you'll wear. Even the sparrows don't fret and the flowers bloom. And then this message from the government and from honestly, a lot of Christians is you should pull yourself up by your bootstraps. And Martin Luther King Jr. Said, if someone does not have boots, what a cruel thing to tell them. And if we live in a system that is intentionally hamstringing people's ability by not paying them what their labor is worth, by not providing childcare, by giving them crippling medical bills, of course something as simple as food should be becomes so complicated.Danielle (08:20):When I was in this theological and also, sorry, political discussion with family members, and I actually heard this verse preached in a sermon referenced Second Thessalonians three 10, which says, if anyone is not willing to work, let him not eat. And in the context I heard it in was interpreted to mean, if you're not working tough, go get a job. So that's kind of the context and some of the theological foundation of what I've heard for why let's not do Snap, let's not do free and reduced lunch, et cetera, et cetera. But I think a more holistic approach would be to focus on what was the historical impression of that time? What did community accountability mean? What did it mean to do resource sharing, et cetera, et cetera, et cetera. And I think what I would call today, or not me friends and more wise people than me, and I'm using the term of mutual aid, and I don't know if they use mutual aid back then, but that's kind of what I think they're talking about. I don't know that it means showing up at a job and doing nine to five work, is what they were saying in that verse. I think it's contributing to your community.(09:41):And a lot of people that don't make hundred, 200 million, like a million dollars a year, they're contributing to our society and they don't get paid what they need to eat. That is also a sin.Jenny (09:58):Yes. Yeah. Sorry. It sure seems to me that Jesus spent a lot of time walking around talking and not a lot of time working. From what I read, gospelDanielle (10:10):Bro, Jesus relied on mutual aid too. He went fishing, he showed up people's houses, they fed him. There was a lot of trading going on.Jenny (10:20):Absolutely. Absolutely. So if someone wants to get involved in what you're doing and provide what they have towards a mutual aid and in service of what you're already doing, is that possible? Should they just go start their own thing? Is there a way they can get involved with what you're doing? What would you tell someone who's listening and is like, yeah, I want to get involved and help?Danielle (10:48):They definitely could give cash or a donation. We partnered with the Kitsap Immigrant Assistance Center Kayak here in Kitsap County, and they're like a fiscal partner. They're not a sponsor, but they're like adjacent to us help with Mutual aid. So there is the opportunity to donate through them and market for Solidarity Kitchen December 2nd. And I can put the link in the notes, but I think more importantly, if you're not here, yeah, please, I am not going to say, no, don't give us some cash or don't send us some menstrual supplies or whatnot. You can't donate food from that far away because we have to follow, be compliant with Washington Food law and standards. See, I know this now I took my test, but who in your community needs a gas card? Who needs a grocery card? Who could just use an envelope with a hundred bucks, a hundred bucks? What does that get you? Two bags of groceries or a hundred bucks to just shoot the breeze somewhere, sit down and have a coffee and a drink and go buy your groceries. I think there's this misconception if you give out cash, oh, they're just going to use it on booze and drugs. That's what I heard as a kid.(12:00):And now as an adult, I know that's rarely true. And why would we begrudge someone a little bit of cash to go out and have a coffee or have a drink or maybe get a date with their partner or enjoy a little bit better meat at the grocery store? That just seems so selfish and judgmental,Jenny (12:24):Totally. No, it makes me think of Tema, O K's, white supremacy, cultural norms, and it's so paternalistic that's like, I should decide how this other person spends their money when it's like that other person is a sovereign being living in their own body. And what if they get to decide what they eat and what they do with their body? What a concept that might be.Danielle (12:50):How do you see that kind of, I talk about this here and I know you're very supportive of me too, but how do you see that playing out in your day-to-day life? What does mutual aid look like for you?Jenny (13:01):Yeah, it does feel a little more complicated because my community is so broad right now. We're rarely in a place more than a week. And so it really is trying to be open to what's right in front of us. So a week ago, we were at this beautiful cafe in northern Maine that was doing a food drive and was collecting food, but the cafe was going to open itself up to make meals for everyone that was houseless for the holidays. And so we just gave them some cash and we're like, we're not going to be around anymore, but can you use this for the meals that you're going to be making? And they were like, absolutely.(13:50):We also look around, we end up picking up a fair amount of hitchhikers when we see someone along the road. And a ride is something we can try to do. So we look out for that. I consider you part of my community, even though you're literally on the other part of the country right now. And so those are some things I like to do. And I like what you said, there's some people that know how to cook. There's some people that know how to do art. I consider one of my gifts is networking and connecting people and saying, Hey, you need this other person has this. Let me connect you. And then also just trying to educate folks, because I think there's a lot of misconceptions out there about, since Reagan and the quote welfare queen and these racialized stereotypes and tropes of who needs money and who needs assistance.(14:53):One, white people need snap and assistance as well. And two, it doesn't do justice to the wealth disparity that exists because of hundreds of years of systemic racism and xenophobic rhetoric in our country, that there is a reality to the necessity of these systems right now to support bodies. And so I find myself trying to have difficult, frustrating conversations with family members or people I know that have maybe seen different news sources or things like that, that I have or have a very homogenous community where they don't often understand some of the source of suffering.Danielle (15:45):So if you could summarize for someone saying, well, I don't know anybody. I don't have anything. What I kind of hear you saying is that's okay. One, you can continue to reach out for that community and try to make efforts, but you can also, oh, no, are you paused? Oh, no. You can also reach out for those people and you can get started with what's present right in front of you. You can donate some cash to a friend. You can pick up what's safe for you, for you and Sean, you've decided it's actually safe to pick up a hitchhiker and you can get involved locally when you're around something. It doesn't have to be limited to what I'm talking about. The importance is to jump in and communicate love to people through different ways of giving. Where do we go from here? It feels like every day there's something hopeless happening. Yeah,Well, I think this is one way working and organizing and finding solidarity with friends in my area, but also just I have a family. I'm blessed with a family and just enjoying them, not trying to change anything about them, sitting with them, trying to meet them where they're at, reaching out to friends, calling, texting, saying, Hey. I mean, those are little ways. What about you?Jenny (17:33):Yeah, very similar. This conference feels hopeful to me that people are still trying to get together and understand how we can navigate hopefully a more ethical, equitable world. I've had the opportunity to just have some really sweet times connecting with friends who live around here recently and just sharing meals and catching up and just remembering how most people I think are really good and are really trying to do their best. And I need to be able to see that because I think the algorithm wants us to believe that people are mostly scary and bad and dangerous, and certainly there are scary and bad and dangerous people in the world. And I would say the majority of people that I tend to come into contact with in the flesh give me hope for the type of world that is possible.It is been mostly cold because we're in Boston and it's real cold, but it's also made me appreciate moments of sweet warmth even more. If we go to the YMCA and take a hot shower once every few days or sit in the sauna, it feels like it's a tiny little example of what we're talking about where it's like there are moments of goodness and hope breaking through even when things feel like they're really difficult. And in some ways that actually makes me savor those moments even more because I have honestly lived a very privileged life where most of my life, I didn't have to acknowledge a sense of hopelessness that I'm finding myself reckoning with now in a different way.Yeah. I'm giving my dog lots of snuggles. She sprained her paw on the beach the other day, and it's been very sad. She did limp around.Danielle (20:19):Well, how do you see yourself moving through then a time of Thanksgiving and a time when we, technically this is a time of being together and dah, dah, dah, and I know Thanksgiving has a lot of different meanings for a lot of different people, but just curious how you're thinking of that for yourself this year.Jenny (20:44):Yeah, I think I'm thinking about nuance and complexity and knowing that I will be sharing time with people who see the world very differently than I do and who are some of the most generous people I know. And it's not in my opinion, because they're terrible people that they see the world they do. It's because they've had certain influences. And I really appreciate the attempt to not split the world into all or nothing good or bad. That's very hard for me. I have a very strong tendency to just go, Nope, you're in the bad bucket now. And I would say in the last couple years, living in the van has taught me more about nuance and complexity and that you can never really pin someone down. I think people will always surprise you. And so I'm trying to go into the holiday and being open to hold nuance and also trying to grow my ability to not stay silent when I witness violence spoken.Danielle(22:19):Like I said, my family's everything to me. So we have some traditions that were started when the kids were little. One is making the favorite pie of everyone in the family. And so I'm in pie phase today. I wrote up a list of the pies I want to make, and really this week is an excuse to do it.So I'm looking forward to that. I'm also looking forward to being with one of my dear friends, one of my forever people, and it's an excuse for us to be together, and we're just going to sit likely and laugh and do nothing and take advantage of the time off. So I think those two things like connection and food feel good to me often, and they feel really good to me right now.Jenny (23:05):Yes. And connection and food sounds like so much a part of this day that you're organizing and that you're planning. What are your hopes for December 2nd?Danielle (23:18):Is it Yeah, December 2nd, just a Tuesday. Yeah. My hopes is that one that some people were, and this is a valid question, why not just get meal packages ready and then people can cook them and take them home? And I think one of the things was is there's so much love that goes into preparing a meal, and that felt like a ritual for me when I was thinking about doing it that I didn't want to forego. So one, I want to feel like this was cooked, this had intention, this had thought behind it, and it was a lot of work, and that's okay. It's because they love you. And I know that kids go around and often feel like can feel lonely or outcast, and I know adults are feeling that way too. And I just wanted this to be, this is one moment where you can bet someone thought of you and loved you.(24:09):That was one thing. So love is a main thing. Second, I wanted it to taste good. That's what I hope it tastes good to people. And third is that there's an imagination in our community that there's so many things against us forming and working and collaborating together, but I hope it gives imagination. There's the political world out there, and there's the practical way of it affects us in one way. I think it affects us, is separating us from our bodies and from each other. And I think to combat that or for any change to happen, we have to find common themes to gather around. And I mean, like I said, there's very few people that can say no to feeding kids, and I just think it's an easy Yes. Let's do it. Yeah. Sorry to talk so much. I have so much to say about it.Jenny (24:59):No, I think it's important, and honestly, it's inspiring and challenging in a good way of, I think it's almost easier sometimes to be like, oh, there's so much I don't know what I can do. And you're just like, yeah, you can make food for someone. It doesn't have to be as complicated as we tend to make it. And I have witnessed that be a part of who you are for many, many years now, and I always am inspired to do better in my own way when I see you living into that.What's your favorite pie?Danielle (25:43):It was my favorite pie. Well, I started making homemade pumpkin, and that's when I realized I really like pumpkin pie. You bake the pumpkins. Have you done this? You cutDude, you got to do it. You cut them in half, you clean out the seeds, you save that for later, and you don't want the hair in there. I don't know what it's called in English, that string stuff, and then you salt it with the big salts and you bake it. That to me, that is like, oh, it's so good. So I like homemade pumpkin pie, but I also like chocolate pecan pie. I do like pecan pie. I like pie.What about you? What's your favorite?Jenny (26:27):I love so many pies too. I like strawberry rhubarb pie. That's probably my favorite.Danielle (26:34):Oh, I didn't know that about you.Jenny (26:36):Yeah. I do love pumpkin pie. I do love a really cinnamony apple pie. I had a Mexican chocolate pie once that was spicy. It was so good. Yeah, we actually had it at our wedding. We don't really like cake, so we did just a bunch of pies and it was so good. ThatMan. Okay. Okay. Now I really want some pie. Our oven in doesn't work, sadly, so we can't make pie.Danielle (27:08):You need to get another way of doing that, then you cannot not have pie.Jenny (27:14):I know. We'll be at some families next week, so I'm going to make them make a pie. Well,     Well, first I guess I would have to believe that there was or is an actual political dialogue taking place that I could potentially be a part of. And honestly, I'm not sure that I believe that.

In his meeting with South African President Cyril Ramaphosa in Johannesburg, Chinese Premier Li Qiang says the country stands ready to work with South Africa to deepen political mutual trust and expand cooperation across various fields.

More music from the podcast Mutual friend dear coach's corner middle finger response ego fum papa anti-manifesto megan refusing to be a man ego fum papa without love this is your life "the prairies of manitoba" a speculative fiction incalculable effects hidden curriculum support gun control kill a hunter pigs will pay

The AOR team of Jeff Schulze and Josh Jamner offer their prognostications for the U.S. economy and equity market in the year ahead, building a case for positive momentum to shine through.

In honor of Dick Powell's November 14th birthday, we're saluting the singing star with some of his old time radio performances. First, he plays private investigator Richard Rogue in "Little Old Lady" from Rogue's Gallery (originally aired on Mutual on November 29, 1945). Then, he's radio's crooning crimefighter Richard Diamond, Private Detective in a pair of episodes: "The Tom Waxman Bombing" (originally aired on NBC on June 26, 1949) and "Death and the Letter" (originally aired on NBC on November 8, 1950).  Finally, he recreates one of his big screen roles, alongside co-star Lee J. Cobb, as The Lux Radio Theatre presents "Johnny O'Clock" (originally aired on CBS on May 12, 1947).

In this message, we explore one of the most misunderstood and transformative passages in Scripture: Ephesians 5–6. When Paul teaches believers to “submit to one another out of reverence for Christ,” he reveals a Gospel-centered blueprint for marriage, parenting, leadership, and everyday relationships. This teaching walks through how Jesus completely flips power dynamics, reshapes our view of authority, and calls both the strong and the weak into a new way of relating — a way modeled after His own humility and sacrificial love. You'll learn: • Why mutual submission was revolutionary in the ancient world • How the Gospel elevates your position before God and lowers your posture before others • What biblical submission actually is — and what it's not • How Christ-like love transforms marriages, families, and workplaces • Why humility and sacrifice create flourishing relationships Whether you're navigating marriage, parenting, friendships, or leadership, this message will challenge and encourage you to live out the Gospel in every relationship.

In this episode of Rational Reminder, Ben Felix, Cameron Passmore, and Ben Wilson return with a classic AMA format—answering listener questions that dig deep into the behavioral and evidence-based foundations of sensible investing. From lump-sum investing to the psychology of advice, the trio blend data, humor, and clear thinking to demystify complex financial ideas. They discuss the behavioral logic behind dollar-cost averaging, why mutual funds might actually be more tax-efficient than ETFs in Canada, and whether technology could ever truly replace human financial advisors. Plus, they share their biggest investing mistakes (yes, Bitcoin makes an appearance), dissect the rise of "buffered" ETFs, and explain why chasing complexity usually costs investors more than it helps. Key Points From This Episode: (0:00:05) Introduction – The first episode featuring all three hosts together: Ben Felix, Cameron Passmore, and Ben Wilson. (0:44) OneDigital update: expanding evidence-based advice across Canada with new PWL partners in Halifax. (2:36) The mission in motion – bringing the "markets work and planning matters" philosophy to more Canadians. (5:29) "Finding and funding a good life" – how PWL integrates wellness and happiness into financial planning. (6:16) AMA Question 1: Lump-sum vs. dollar-cost averaging — why lump-sum wins 65% of the time. (10:05) Base rates, behavioral regret, and the real role of an advisor. (12:22) The 2020 PWL paper results and how behavioral hedging fits in. (16:10) If dollar-cost averaging feels safer, maybe your portfolio is too aggressive. (18:08) AMA Question 2: Advice for smaller portfolios — how technology, AI, and fee-only planners can fill the gap. (21:01) Can AI really replace advisors? Cameron's Waymo analogy sparks debate. (23:33) AMA Question 3: Mutual funds vs. ETFs — why in Canada, mutual funds may actually be more tax-efficient. (30:00) The Capital Gains Refund Mechanism (CGRM) explained — and why it matters. (34:31) Dimensional's Canadian funds vs. Vanguard ETFs — tax distribution data that surprises most investors. (37:40) AMA Question 4: Are discount bonds priced for tax efficiency? The evidence says no—discount bonds still win. (42:23) AMA Question 5: Biggest investment mistakes — from Bitcoin regrets to house-buying reflections. (48:15) AMA Question 6: Buffered ETFs — comfort, complexity, and why simple portfolios outperform. (53:45) Simplicity as a superpower — why "markets work" is still the most radical idea in finance. (55:27) AMA Question 7: Updating the RR model portfolio — why there's no "optimal" portfolio and simplicity wins again. (58:31) After show: Reviews, humor, and a reminder about "No Net Worth November." (1:04:15) Life offline — Cameron's reflections on quitting social media and finding clarity. 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 Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Not all radio detectives carried a badge or a private eye's license. Some were amateur sleuths who dabbled in deduction in addition to their day jobs, and we'll hear a collection of those crimesolvers and their adventures. Walter Hampden stars as Leonidas Witherall - professor, author, dead ringer for Shakespeare, and amateur detective - in "Murder at the State Fair" (originally aired on Mutual on September 24, 1944). Gale Gordon is San Francisco importer and detective Gregory Hood in "The Forgetful Murderer" (originally aired on Mutual on July 29, 1946). Alan Ladd is mystery writer Dan Holiday, who seeks adventures to fuel the plots of his stories, in "Killer at Large," a syndicated episode of Box 13. And finally, Joseph Curtin and Alice Frost are book publisher Jerry North and his wife Pam, and their idea of a date night involves stumbling over a dead body. We'll hear "The Premature Corpse," an Armed Forces Radio Service rebroadcast of Mr. and Mrs. North (originally aired on CBS on February 12, 1952).

Frank Miller is regarded as one of the most influential and awarded creators. He began his career in comics in the late 1970s, first gaining notoriety as the artist, and later writer, of Daredevil for Marvel Comics. Next, came the science-fiction samurai drama Ronin, followed by the groundbreaking Batman: The Dark Knight Returns and Batman: Year One with artist David Mazzuchelli. Following these seminal works, Miller fulfilled a lifelong dream by doing an all-out crime series, Sin City, which spawned two blockbuster films that he co-directed with Robert Rodriguez. Miller's multi-award-winning graphic novel 300 was also adapted into a highly successful film by Zack Snyder. His upcoming memoir, Push the Wall: My Life, Writing, Drawing, and the Art of Storytelling, is now available for pre-order.This episode is brought to you by: Eight Sleep Pod Cover 5 sleeping solution for dynamic cooling and heating: EightSleep.com/Tim (use code TIM to get $350 off your very own Pod 5 Ultra.)Shopify global commerce platform, providing tools to start, grow, market, and manage a retail business: https://shopify.com/tim (one-dollar-per-month trial period)AG1 all-in-one nutritional supplement: DrinkAG1.com/Tim (1-year supply of Vitamin D (and 5 free AG1 travel packs) with your first subscription purchase.)Timestamps:[00:00:00] Start.[00:02:14] Aristotle's definition of happiness: Devotion to excellence.[00:03:02] Tools of the trade: Blackwing pencils, India ink, liquid frisket.[00:04:45] Sin City‘s physical creation at “twice up” size.[00:08:06] The toothbrush spatter technique.[00:09:24] Channeling impatience, anger, and violence into dramatic creative work.[00:10:33] What Jack Kirby knew about making comics competitive with cinema's spectacle.[00:11:56] Will Eisner and The Spirit‘s influence on the US market where writer-artist duality is rare.[00:13:33] How Jack Kirby blasted apart the panel grid (and a young Frank's mind).[00:15:49] Push the wall and defy the code.[00:19:54] The ruthless mentorship of Neal Adams.[00:24:57] The genesis of the Elektra amd Daredevil “soap opera.”[00:27:56] Story structure: Start late, end early.[00:29:10] Trusting the muse over rigid methodology.[00:31:15] European invasion: Moebius and Forbidden Planet.[00:32:52] Japanese influence: Lone Wolf and Cub‘s impact.[00:34:30] Cultural differences in depicting violence and motion.[00:36:38] Ronin: Shameless imitation and rebirth.[00:37:28] How does Frank know if something is working (or not working)?[00:39:27] The critical reception of Ronin as a “broken nose.”[00:42:37] The ruthless structure of The Dark Knight Returns.[00:43:40] Mutual elevation with “smartest fan” Alan Moore.[00:48:26] Robert Rodriguez: Angel of goodwill and generosity.[00:49:28] Sin City film: Co-directing and the Director's Guild sacrifice.[00:50:31] Working as a “two-headed beast” with Rodriguez.[00:55:27] Favorite films.[00:58:19] Books and ancient history inspiring 300.[00:59:00] Hollywood lessons: The importance of working with the right people.[01:01:13] The partnership and guidance of Silenn Thomas.[01:02:01] The clarity and creative rejuvenation of getting sober from alcohol.[01:04:48] Advice for aspiring comic artists: Story, story, story.[01:06:20] Learning to draw: Bridgman and Loomis books.[01:08:07] Perspective as a mathematical trick and lie.[01:11:00] Dick Giordano's advice: Lay in blacks first.[01:13:52] Sin City workflow innovation: Batch processing stages.[01:15:48] Dark Horse Comics and creative freedom.[01:17:29] Economy of line work and elegant minimalism.[01:20:46] On collaborating with Bill Sienkiewicz on Elektra.[01:25:20] Billboard wisdom: “Ask every question,” and “Why?”[01:27:08] Challenging pathological conformity.[01:27:39] Parting thoughts and where to find Frank's work.*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.