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Go GTS Live, September 3, 2026: PANINIPALOOZA!! - Join host Rob Bertrand, former host of Cardboard Connection Radio, and co-host, James Gale for a fun-filled episode of the best trading card and memorabilia news and talk in #TheHobby! (Season 11, Episode 30, Master Episode 422)  #GoGTSLiveQoftheWeek Poll Question We started the show, as we always do, with our #GoGTSLiveQoftheWeek poll question, where we wanted to know: #GoGTSLiveQoftheWeekPoll - What food combination grosses you out the most? — Go GTS Live (@GoGTSLive) September 3, 2026 Hobby Happenings As usual, the we detailed the hobby's top stories during our weekly Hobby Happenings segment. Highlights include: USPS service employee arrested, Peter Cullen autograph update, Karl Anthony-Town all in on #thehobby and more! Box Breaks We went hunting for

Award winning novelist Sebastian Barry joins Oliver in studio. He's had two Costa awards, five Booker prize nominations, and now his latest story The Newer World, one of the most anticipated novels of the year.See omnystudio.com/listener for privacy information.

After years on top, Sweet'N Low is sinking fast. Newer artificial sweeteners aspartame and sucralose are spawning fresh competition. But the problems go even deeper – because within its own ranks, fraudsters are draining Sweet'N Low's coffers.If you'd like to hear more about the artificial sweetener business, you can listen to the audiobook version of “Empty Pleasures” by Carolyn de la Peña right now on Audible.Audible subscribers can listen to all episodes of Business Wars ad-free right now. Join Audible today by downloading the Audible app.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Go GTS Live, August 27, 2026: Football Breaks, Panini Update, News - Join host Rob Bertrand, former host of Cardboard Connection Radio, and co-host, James Gale for a fun-filled episode of the best trading card and memorabilia news and talk in #TheHobby! (Season 11, Episode 29, Master Episode 421)  #GoGTSLiveQoftheWeek Poll Question We started the show, as we always do, with our #GoGTSLiveQoftheWeek poll question, where we wanted to know: Not including Fernando Mendoza, who will have the NFL's highest selling Debut Patch card?

Episode Detail Insurance carriers have quietly lived with a roughly $50 billion problem for years: a level of fraud baked so thoroughly into homeowners and personal auto pricing that the industry simply calls it the cost of doing business. In this episode, Bryan Falchuk sits down with Kim Garland, Industry Executive & Advisor, to size that number for real and ask why an industry built to manage risk has been so slow to manage this one. Garland spent more than three decades inside carriers, from GEICO and Safeco to AIG and State Auto, before stepping outside day-to-day operations to advise the industry from a different vantage point. He and Bryan dig into the difference between the old fraud-verification playbook and a newer approach built around trust and behavioral signals, why homeowners insurance can't keep leaning on rate increases the way personal auto has, and what it actually takes for carrier leadership to stop treating a solvable problem as background noise. The takeaway: unlike the weather, this is a lever the industry can actually pull, if it decides to. Guest Bio Kim Garland is an insurance industry executive and advisor with more than 35 years of experience across carriers, product management, and actuarial leadership. He began his career at GEICO in 1988, then spent time at Safeco, where he ran the personal auto business until the company was acquired by Liberty Mutual in 2008. He joined AIG in the aftermath of the financial crisis, spending six years helping lead the recovery of its mortgage insurance business. In 2015, he joined State Auto, a regional carrier based in Columbus, Ohio, where he worked until State Auto was also acquired by Liberty Mutual. Since then, Garland has been advising startups and studying the industry from outside its day-to-day operations, bringing a perspective shaped by decades on the inside. Show Notes: The Industry Has Priced Fraud In — And Called It Normal: Garland estimates fraud costs the industry roughly $50 billion a year across homeowners and personal auto, close to 10% of premium. His view: most carriers quietly treat that number as a fixed cost rather than a solvable problem — what he calls one of the industry's "dirty little secrets." Honest policyholders absorb the difference every time a carrier accepts a baseline level of fraud and prices around it instead of fighting it. From Verification to Trust: A Different Paradigm: The old playbook asks a question, checks the answer against a database, and accepts that some fraud slips through anyway. Newer approaches look at behavioral signals, like how long an applicant hesitates before answering a material question, or a voice-based assessment of trustworthiness, such as the approach used by Clearspeed. Garland is careful to separate ordinary rate-shopping behavior, like comparing deductibles or coverage limits, from genuine red flags, like a garaging address that suddenly doesn't match reality. Trust Is Situational, Not a Life Sentence: Today's tools assess trustworthiness in a specific interaction, not as a permanent label on a customer. Garland argues that framing matters: someone flagged in one moment isn't branded across every future interaction with the carrier. Why Homeowners Can't Keep Leaning on Rate Increases: Garland sees personal auto and homeowners on different trajectories. Autonomous driving technology is a macro trend that should push auto losses, and eventually premiums, down over time. Homeowners insurance has no equivalent tailwind. If rate increases keep outpacing wage growth and general inflation, he expects consumers or regulators to eventually push back. His view: when the rate-increase lever stops working, carriers are left with three choices — run at a loss, pull back from the market, or actually attack the underlying cost drivers. What It Actually Takes to Change: Carrier Attitude, New Tools, Regulatory Room: Garland lays out three levers: a genuine change in carrier mindset, which he believes has to be driven from the CEO and C-suite, better trust-based tools, and regulators giving carriers room to push back on bad-faith complaints. He argues progress on any one of the three levers moves the needle, even without all three moving at once. In his view, the core obstacle is organizational inertia — discomfort with pushing back on a customer complaint, a regulator, or a dip in survey scores, more than any shortage of technology or options. Predict and Prevent Has Potential, But Human Behavior Is the Real Barrier: Garland thinks preventing losses before they happen, not just detecting fraud after the fact, has real legs, particularly for closing the openings fraudulent contractors exploit after a loss. He compares the challenge to getting people to save for retirement or exercise consistently: the payoff is real, but delayed, which makes it a hard behavior to change. He credits the startups working in this space, while noting that inertia, not a lack of good ideas, remains the biggest obstacle. This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

Plus: Lightning storms disrupt flights and spark fires in B.C., a gathering in Saskatchewan marks the 150th anniversary of Treaty 6, WestJet flight attendants finish voting on a new labour agreement, and an anti-fraud organization sounds the alarm on scams targeting previous fraud victims. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us: Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Daniel Berk was 32 years old, about 50 pounds overweight, and hadn't sprinted since college when he posted a tweet saying he was going to become a runner. He didn't know what he was doing. His first 5K took 50 minutes. He described himself as a blubber...

Go GTS Live, August 20, 2026: Lots of New Releases, Panini vs Fanatics Update - Join host Rob Bertrand, former host of Cardboard Connection Radio, and co-host, James Gale for a fun-filled episode of the best trading card and memorabilia news and talk in #TheHobby! (Season 11, Episode 28, Master Episode 420)  #GoGTSLiveQoftheWeek Poll Question We started the show, as we always do, with our #GoGTSLiveQoftheWeek poll question, where we wanted to know: Here is this week's #GoGTSLiveQoftheWeek Poll: Do you own any custom made cards (Reclaim Customs, etc) of your favorite players? — Go GTS Live (@GoGTSLive) August 20, 2026 Hobby Happenings As usual, the we detailed the hobby's top stories during our weekly Hobby Happenings segment. Highlights include: a retail card criminal gets bustes, Panini has new allegations against Fanatics, a record setting MJ sale and more! Box Breaks We went hunting for

Why Some Properties Stay on the Market Longer There is a common misconception in real estate that every home should sell immediately. Put the property on the market, place a sign in the yard, hold an open house, and wait for the offers to roll in. In reality, selling a home is rarely that simple. Even in an active market, some properties receive multiple offers within days while others take several weeks or longer to find the right buyer. That doesn't automatically mean something is wrong with the home. It does mean sellers need to understand why buyers may not be responding and whether something about the property's pricing, presentation, marketing, or positioning needs to change. On a recent episode of Talk Real Estate Roundtable, Sharon McNamara and Melissa Wallace discussed why certain properties remain on the market longer and what sellers should consider when their home isn't generating the activity they expected. The Biggest Factor Is Usually Price When a home isn't selling, there are many factors worth evaluating but price is often the first place to look. The asking price needs to make sense when compared with the home's: Condition Location Size and features Competition Recent comparable sales Current buyer demand A seller may know what they want to receive for their home. They may even know what they need financially. Unfortunately, neither of those numbers determines market value. The market does. When a property receives little showing activity, minimal feedback, and no offers, that lack of response is itself valuable information. Overpricing Can Be Difficult to Recover From One of the risks of starting too high is that sellers can end up chasing the market. Today's buyers have access to an incredible amount of information. They're watching new listings, price changes, comparable sales, and homes that go under agreement every day. That means buyers often recognize an overpriced property quickly. If a home enters the market above where buyers perceive its value, they may simply skip it. Later, even after a price enhancement brings the property into a more realistic range, buyers may already be wondering why it has been sitting on the market. That's why your initial pricing strategy matters so much. Pricing Should Reflect the Condition of the Home Not every home needs to look brand new. A property can have an older kitchen, wallpaper, dated bathrooms, or cosmetic updates still waiting for the next owner and still be a wonderful home. The important part is making sure the price reflects that condition. During the episode, Sharon discussed how buyers sometimes focus heavily on cosmetic items even when a property has received significant mechanical improvements. Newer systems, septic updates, water heaters, oil tanks, electrical improvements, or other behind-the-scenes upgrades may provide tremendous value, but buyers walking through a property often notice cosmetic details first. That doesn't necessarily mean the seller needs to renovate. It may simply mean the home needs to be priced appropriately for what it is today. Presentation Still Matters Price might get buyers through the door, but presentation helps them emotionally connect with the property. Buyers are often looking at multiple homes, sometimes within the same weekend. First impressions matter. Things like clutter, poor lighting, deferred maintenance, lack of curb appeal, or rooms that are difficult to understand can make buyers struggle to see the home's potential. Good presentation doesn't necessarily mean spending thousands of dollars on renovations. Sometimes simple improvements can make a meaningful difference: Decluttering Deep cleaning Improving curb appeal Touching up obvious cosmetic issues Brightening rooms Removing overly personal items Helping buyers understand how each space can be used Your home doesn't need to be perfect. It does need to be presented in a way that allows buyers to imagine themselves living there. Professional Photography Is More Important Than Ever Before most buyers ever schedule a showing, they meet your home online. Your photos are often the first showing. Poor-quality photography can make a great property easy to scroll past. Professional real estate photography should highlight: Natural light Room proportions Important architectural features Outdoor space Property flow Lifestyle benefits If buyers aren't stopping on the listing online, they aren't scheduling an appointment to see it in person. Marketing Cannot Stop After Listing Day One of the most important points discussed during the episode was the need for continued marketing. A property shouldn't receive one social media post when it comes on the market and then disappear from the conversation. If a home remains available, the marketing should continue. That might include: New social media content Open houses Video tours Property feature spotlights Email marketing Agent-to-agent outreach Community marketing Updated photography or messaging Highlighting features buyers may have overlooked During the show, Melissa discussed a property that had been on the market for months but had barely appeared again on the listing agent's social media after its initial launch. The lesson is simple: if the home is still for sale, you still need to be selling it. Showing Availability Can Affect Buyer Interest Sometimes the problem isn't the property at all. It's access. Buyers often have limited schedules, especially when they're viewing multiple properties in one day. If showings require significant notice, have narrow appointment windows, or are frequently declined, some buyers will simply move on to another property. Every seller's situation is different, and sometimes showing restrictions are unavoidable. But if your goal is to sell, making the home as accessible as reasonably possible can increase your opportunities. Competition Changes Every Day Real estate pricing isn't something that happens once and then remains frozen. New listings come on the market. Properties receive offers. Homes go under agreement. Prices change. New comparable sales close. That means the competitive landscape surrounding your home can change quickly. A property that looked perfectly positioned on Monday may face completely different competition by Friday. That's why Boston Connect Real Estate continually reviews the market surrounding a property even right up until it becomes active. Today's Buyers May Be Becoming More Selective One of the shifts discussed during the episode involved buyer behavior. Multiple-offer situations may still happen, particularly on properly priced homes, but sellers shouldn't automatically assume they'll receive ten, fifteen, or twenty offers. A property may receive three or four. And ultimately, all it takes is one strong buyer. More importantly, buyers may be less willing to continue escalating dramatically above market value simply because another buyer is interested. A comparable property may have sold significantly above asking because one buyer placed an especially high emotional value on it. That doesn't necessarily mean the next comparable property will automatically command that same premium. Understanding that distinction is becoming increasingly important when pricing homes. Timing Can Affect Days on Market Sometimes a property comes on at an awkward time. Holiday weekends, major weather events, vacations, school schedules, and seasonal changes can all temporarily affect buyer activity. Here in Massachusetts, weather can certainly play a role. Waiting one week because of snow could unexpectedly turn into several weeks if another storm arrives. That's why sellers should look at market time within context rather than simply focusing on the number of days displayed online. Longer Market Time Doesn't Always Mean There's a Problem This is especially important. Not every home has the same buyer pool. Some properties are naturally more specialized. Examples include: Antique homes Homes on busy roads Properties with unusual lots Homes requiring significant updating 55+ communities Manufactured or mobile homes Unique architectural properties Certain condominium communities These homes may take longer simply because fewer buyers are searching for that particular type of property. As Melissa noted during the show, a longer market time doesn't automatically mean there is something wrong. Sometimes a unique property simply needs time to find its unique buyer. New Construction Is Different Days on market can also be misleading when looking at new construction. A model home or property within a development may remain listed while construction continues, lots are released, or buyers make selections. That means a listing agent who works heavily in new construction may appear to have a higher average days-on-market number even though it doesn't reflect the performance of their resale listings. Context matters. What Should You Do If Your Home Isn't Selling? If your property has been on the market longer than expected, don't panic. Instead, take a fresh look at the strategy. Ask: Are we priced correctly based on today's competition not last month's market? Are buyers seeing enough value for the asking price? Does the condition match the price? Are the photos helping the home stand out? Are we continuing to actively market the property? Are showings easy to schedule? What feedback are buyers and buyer agents giving us? Has new competition changed our position? Is the property simply one that naturally appeals to a smaller buyer pool? The important thing is to respond to the information the market is giving you. Don't Take Market Feedback Personally Selling a home can be emotional. You've lived there. You've made memories there. You've invested time, money, and energy into maintaining it. So when buyers criticize wallpaper, paint colors, layout, or other details, it can feel personal. It isn't. Buyers are evaluating the home based on their own needs, budgets, tastes, and lifestyles. The goal isn't to convince every buyer that your home is perfect. The goal is to position your property so the right buyer recognizes its value. The Right Strategy Evolves with the Market A successful listing strategy isn't simply: Put it on the market and wait. It's an ongoing process of watching activity, evaluating competition, gathering feedback, adjusting marketing, and making thoughtful recommendations. Markets shift. Buyer behavior changes. Inventory rises and falls. Your strategy should evolve right along with it. At Boston Connect Real Estate, we believe pricing, presentation, communication, and continued marketing all work together to create a successful sale. If your home has been sitting on the market or you're preparing to sell and want to avoid common mistakes the best time to develop a strategy is before the sign ever goes in the yard. Thinking about selling your home? Contact Boston Connect Real Estate to discuss current market conditions, pricing, preparation, and a customized marketing strategy designed around your property. Because every move should be a moving experience.   Watch our live video on Youtube!

Sunday, 16 August 2026   But when the king heard about it, he was furious. And he sent out his armies, destroyed those murderers, and burned up their city. Matthew 22:7   “Having heard, also, the king, he angered, and having sent the ‘troops, his' he destroyed the ‘murderers, those', and the ‘city, theirs' he burned.” (CG)   In the previous verse, the parable continued, noting that others among the kings' servants seized his servants and mistreated and killed them. Because of this, it next says, “Having heard, also, the king, he angered.”   Newer versions use a text that leaves off the verb “having heard” –   Having heard, also, the king, he angered. (CG) And the king was enraged. (BSB)   Either way, the king's fury was aroused. To reject his offer of attending the wedding was the greatest of offenses. It showed total disrespect to reject this. Notice how in this parable, the son is not killed. This is a post-resurrection parable directed at the rejection of the living Christ.   As noted, the servants picture those apostles and converts who were calling Israel to come to Christ, their recognized Messiah. The nation, following the leaders' rejection of Jesus, eventually turned away from any possibility of calling on Him, instead mistreating and killing those who believed. Therefore, the parable continues, saying, “and having sent the ‘troops, his' he destroyed the ‘murderers, those'.”   This is not specifically recorded in Scripture, even if it is alluded to in various ways. However, it is a well-known part of Jewish history. The troubles that came upon Israel are detailed in the writings of Josephus in The Jewish War. Tacitus (AD 105-110) gives descriptions of the event, as does Suetonius (around AD 120).   Other later writers include references to this, including Cassius Dio (AD 220), the Babylonian Talmud, and others. Josephus is particularly important concerning the last words of the verse, “and the ‘city, theirs' he burned.”   In Josephus, Books 5–7, it describes the factions within Jerusalem, Titus's siege, terrible famine and cannibalism, the burning of the Temple, the capture and destruction of the city, and finally, it details the events of prisoners, executions, and Roman triumph.   All these were first hinted at in Scripture as far back as Moses. It continued in types and shadows in the writings, prophets made proclamations, and Jesus affirmed that this was coming upon the people. His words tie it all up in the rejection of God's offer, which is their uniting with His Son.   Life application: To this day, Israel continues to claim that they are God's people, rejecting the clear and precise wording found in Scripture that at this time, they are not. They will be God's people again someday because God is faithful to His covenant. But for now, they are Lo Ammi, Not My People.   This is confirmed in the Old Testament. It is found in Moses' writings, the types and shadows of the historical writings, and in the words of the prophets. From there, it is directly alluded to by Jesus and then confirmed as such by Paul and the other New Testament writers.   But there is a sense of boastful pride, even in many Jewish Christians today, along with the naivete of people who fail to consider the context of Scripture. Churches and even denominations continue to proclaim that the Jews are God's people, in the sense that He currently favors them. This damages any chance of them realizing their guilt and coming to Christ. Thus, it is a harmful doctrine that needs to be shelved.   Israel needs to know that they, as a people, are currently not what God is doing. They are still under the curses of the law, and they – as a nation – will continue in this state until they call out for Jesus to rescue them. Jesus said this with His own mouth –   “Therefore you are witnesses against yourselves that you are sons of those who murdered the prophets. 32 Fill up, then, the measure of your fathers' guilt. 33 Serpents, brood of vipers! How can you escape the condemnation of hell? 34 Therefore, indeed, I send you prophets, wise men, and scribes: some of them you will kill and crucify, and some of them you will scourge in your synagogues and persecute from city to city, 35 that on you may come all the righteous blood shed on the earth, from the blood of righteous Abel to the blood of Zechariah, son of Berechiah, whom you murdered between the temple and the altar. 36 Assuredly, I say to you, all these things will come upon this generation. 37 O Jerusalem, Jerusalem, the one who kills the prophets and stones those who are sent to her! How often I wanted to gather your children together, as a hen gathers her chicks under her wings, but you were not willing! 38 See! Your house is left to you desolate; 39 for I say to you, you shall see Me no more till you say, ‘Blessed is He who comes in the name of the Lord!'” Matthew 23:31-39   Yes, Israel is doing great things in the world, but greatness in finances, military prowess, medical innovation, and other leading technologies and disciplines does not equate to being right with God. Until they realize this, they will continue in their national self-delusion, and they will continue to reject Jesus.   Pray for Israel. They need Jesus. Without Him, there is no salvation.   Lord God, open the eyes of more and more Jewish people to their need for Jesus. May that continue to expand within their society so that many will be saved before the day of wrath comes. And help us to get this message out to all other nations as well. The world needs Jesus. Amen.  

Should Retirees Worry About the $500 Billion AI Data Center Financing Boom? By Tom Dupree, Founder, Dupree Financial Group — with Mike Johnson, James Dupree, and Michael Dawahare, as discussed on The Financial Hour, August 15, 2026. Wall Street wants to finance roughly $500 billion of AI data center construction by turning computer chips into asset-backed securities — the same financing tool that has funded mortgages, auto loans, and credit card debt for decades. On this week’s Financial Hour, Tom called it, in his words, “a huge boondoggle.” Michael Dawahare pushed back with a more measured read. Mike Johnson and James Dupree pressed both sides on what’s actually driving the deal. The short answer: Dupree Financial Group doesn’t currently hold this type of security in client portfolios, and doesn’t recommend chasing the headline. The more useful question for a retiree isn’t whether AI is real — it obviously is. It’s what’s actually backing $500 billion in new debt, and what happens to that collateral if the technology moves faster than the loan gets paid off. Key Takeaways A group of major financial firms — Apollo, BlackRock, Blackstone, Brookfield, Goldman Sachs, and KKR — is exploring asset-backed securities to help finance AI data center buildout. The debt would be backed largely by Nvidia chips inside “NeoCloud” companies like CoreWeave and Nebius Group, not by traditional collateral like real estate or receivables. Dupree Financial Group owns mortgage-backed securities but avoids auto-loan- and credit-card-backed debt, because the underlying collateral in those cases isn’t reliably recoverable — the same lens the firm applies here. Separately, wage data suggests the economy may be shifting from a “K-shaped” pattern (higher earners pulling ahead) toward a broader, more generationally distributed “G-shaped” recovery. Tom’s own investment philosophy traces back to the 1990s, when he noticed dividend-paying stocks beginning to outperform bonds — the observation that still anchors how DFG builds retirement income today. Why This Is Hard to Evaluate From a Headline If you’ve read a headline about a “$500 billion AI financing deal” and felt your stomach tighten a little, that’s a reasonable reaction. Financial engineering stories are genuinely hard to evaluate from the outside. The vocabulary is dense — asset-backed securities, securitization, collateral, inference — and the stakes described in the coverage are enormous. Retirees have been burned before by financial products that sounded sophisticated and turned out to be thinly disguised risk, and that memory is not paranoia. It’s earned caution. The team didn’t pretend this was simple. Tom was candid about his own uncertainty, noting he’s “very willing to be corrected.” That kind of honesty — admitting a strong opinion isn’t the same as certainty — is itself part of how DFG evaluates a new trend: skepticism first, conclusions only after the mechanics are understood. What the Team Actually Discussed A NeoCloud company buys Nvidia chips, builds computing capacity, and rents that capacity to larger technology firms like Amazon or Meta. CoreWeave and Nebius Group are two examples the team named. The pitch from the AI industry is that even older-generation chips retain real value for years, through a secondary use called inference — essentially, running smaller, less demanding AI tasks on hardware that’s no longer cutting-edge. Bears on the other side of the argument worry the technology cycle will outrun the debt: if a chip is functionally obsolete before the loan backing it is paid off, the “asset” behind the asset-backed security stops backing much of anything. This is precisely the distinction DFG applies to every asset-backed security it considers. The firm holds mortgage-backed securities, which are backed by real property with a long, well-understood history of collateral value. It does not hold auto-loan- or credit-card-backed debt, because a depreciating car or an unsecured promise to pay doesn’t offer the same reliability. Asset-backed securities as a category aren’t inherently good or bad — the question is always what’s underneath. The team also placed the moment in historical context. Financing efforts without a clean precedent aren’t new: the Panama Canal and the Marshall Plan were both undertaken without a perfect playbook, and both eventually found their footing, even though the people funding them at the outset couldn’t have described exactly how. That’s not a guarantee this AI financing structure works out the same way — it’s a reminder that markets have absorbed genuinely novel financing before, and that every investment bank, underwriter, and rating agency involved here has its own incentive to get the structure right. Separately, the conversation turned to what’s actually showing up in the economic data. For the past few years, economists have described a “K-shaped” economy, where higher earners pulled ahead while lower-income households absorbed the brunt of inflation. According to recent wage data, that gap may be narrowing — wage growth for lower-income workers has recently outpaced higher earners, a shift the team tied in part to immigration policy changes affecting labor supply and rental housing demand. Some economists are now describing this broader, more generationally distributed pattern — retiring baby boomers spending freely alongside improving wages further down the income scale — as a “G-shaped” economy. DFG’s Reframe: The Three-Question Collateral Test Strip away the jargon, and The Dupree Team’s approach to any asset-backed security — mortgage bonds, auto loans, or AI chip debt — comes down to three questions Tom has asked in one form or another for 48 years: What actually generates the cash flow? Not the marketing story — the mechanism. A mortgage generates cash flow because someone lives in the house and needs to keep paying. What generates cash flow from a chip? What happens to the collateral if the cash flow stops? A house retains value. A car depreciates fast. A three-year-old computer chip in a five-year technology cycle may retain very little. Am I being paid enough to take this risk, or am I just hoping? Yield that doesn’t reflect the real uncertainty in the collateral isn’t a bargain — it’s a warning sign. This isn’t a formal framework DFG has branded or trademarked — it’s the plain-English version of “know what you own and why you own it,” the same standard Tom applies whether he’s looking at a dividend stock, a municipal bond, or a headline-grabbing new security structure. It’s also why the firm’s answer to the AI financing question isn’t a prediction about who’s right. It’s a description of the test the investment has to pass before it’s even a candidate for a client account. How This Shows Up in a DFG Retirement Portfolio None of this changes DFG’s core approach to retirement income, which was built on a much older observation. Tom started his career selling municipal bonds in the late 1970s. In the 1990s, he began noticing something that reshaped how he thought about money for the next three decades: dividend-paying stocks were, in some cases, outperforming bonds. As he’s put it: “Stocks with dividends were, in some cases, outperforming bonds. That changed everything for me. It’s all about return on your money, whether it’s a stock or a bond.” That’s the foundation DFG still builds on — pairing dividend-paying stocks with bonds so retirement income shows up as visible cash flow, not a number on a statement you hope holds up. It’s also why the firm’s research process for something like an AI-driven “picks and shovels” business (a company that profits from building the infrastructure, rather than betting on which AI model wins) still runs through the same cash-flow lens as everything else in a client’s account. Direct ownership of individual securities, in-house research, and no reliance on a fund manager’s black box — that discipline doesn’t change just because the headline is about a new technology. Five Steps to Evaluate Any Headline-Driven Investment Trend Identify the actual cash flow. Before anything else, ask what specifically generates the return — a mechanism, not a narrative. If you can’t describe it in one sentence, that’s worth noticing. Ask what’s collateral, and what happens to it under stress. Real estate, receivables, and dividend-paying businesses all have a track record. Newer categories of collateral don’t, yet. Check whether the yield matches the real risk. A return that looks unusually attractive for the stated risk level is a reason to look closer, not a reason to move faster. Separate the technology story from the investment structure. AI adoption and the specific debt used to finance AI infrastructure are two different questions. One can be real and durable while the other is poorly structured. Ask a fee-only fiduciary to walk through your own portfolio. If you’re not sure whether something like this is already inside a fund or account you own, that’s exactly what a portfolio review is for. What the Data Actually Shows For context on the broader economy: for the past few years, the story was a K-shaped one — higher earners pulling further ahead while lower-income households bore the weight of inflation. That pattern appears to be shifting. Recent wage data shows lower-income wage growth outpacing higher earners, a change the team connected in part to tighter labor supply following immigration policy changes, which has also shown up as flatter rental housing costs in some markets. None of this is a forecast about where markets go next — it’s the kind of context Tom has built a career on gathering before deciding what belongs in a retirement portfolio. Frequently Asked Questions What is an asset-backed security? An asset-backed security is a bond backed by a pool of assets, like auto loans, credit card debt, or mortgages, rather than a company’s general credit. Investors are repaid from the cash flow those underlying assets generate. Wall Street is now exploring this structure to help finance AI data center buildout. What is a NeoCloud company? A NeoCloud is a company that buys Nvidia chips, builds computing infrastructure, and rents that capacity to larger technology firms. Companies such as CoreWeave and Nebius Group are examples discussed on The Financial Hour as part of the broader AI infrastructure buildout. Should retirees be worried about the AI data center financing boom? Dupree Financial Group’s view is measured skepticism, not alarm. The firm does not currently hold this type of security in client portfolios. As with any headline-driven trend, the firm’s approach is to understand exactly what backs an investment before it belongs in a retirement portfolio. What is the difference between a K-shaped and G-shaped economy? A K-shaped economy describes higher earners pulling ahead while lower earners fall behind. A G-shaped economy, a newer term discussed on the show, points to more generationally and broadly distributed gains, including wage growth for lower-income workers recently outpacing higher earners. Why does Dupree Financial Group favor dividend-paying stocks for retirement income? Founder Tom Dupree began his career selling bonds in the late 1970s and, in the 1990s, noticed that dividend-paying stocks were in some cases outperforming bonds. That observation shaped DFG’s approach of pairing dividend growth stocks with bonds to generate income retirees can see and rely on. The Bottom Line A $500 billion number is designed to grab attention, and it did its job. But the number itself isn’t the risk — the collateral is. Whether this particular financing structure holds up will play out over years, not headlines, and the market’s own sophistication, imperfect as it is, has a real track record of surfacing trouble before it becomes catastrophic. What doesn’t change, regardless of how this specific bet resolves, is the standard Tom has applied for 48 years: know what generates the cash flow, know what backs it, and don’t confuse a compelling story for an understood investment. As Tom put it plainly on air: “We’re not a part of Wall Street. Wall Street is buying and selling for a profit. We sit back and watch.” Keep Learning AI Investment Strategies vs. Traditional Portfolio Management — why DFG separates durable AI-driven businesses from speculative ones. How Market Volatility and Geopolitical Risk Affect Your Retirement Portfolio — why reacting to headlines isn’t a strategy. Why You Need to Know What You Own — the philosophy behind DFG’s approach to portfolio transparency. About Tom Dupree Tom Dupree is the founder of Dupree Financial Group, a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. He has worked in the investment business for 48 years, beginning as a municipal bond salesman in the late 1970s, and hosts The Financial Hour of the Tom Dupree Show alongside Mike Johnson, James Dupree, and Michael Dawahare. Dupree Financial Group manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. All investing involves risk, including the possible loss of principal. Historical events and market comparisons discussed in this article are for educational context only and are not a guarantee of future results. Mentions of specific companies, funds, or firms are for informational purposes and do not constitute a recommendation to buy or sell any security. Schedule a Complimentary Portfolio Review If a headline about a $500 billion financing deal makes you wonder what’s actually inside your own portfolio, that’s exactly the conversation Tom and the team would like to have with you. A complimentary portfolio review is a no-cost, no-pressure way to see what you own, why you own it, and whether it still fits where you are today. Call: 859-233-0400  |  Visit: dupreefinancial.com { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What is an asset-backed security?", "acceptedAnswer": { "@type": "Answer", "text": "An asset-backed security is a bond backed by a pool of assets, like auto loans, credit card debt, or mortgages, rather than a company's general credit. Investors are repaid from the cash flow those underlying assets generate. Wall Street is now exploring this structure to help finance AI data center buildout." } }, { "@type": "Question", "name": "What is a NeoCloud company?", "acceptedAnswer": { "@type": "Answer", "text": "A NeoCloud is a company that buys Nvidia chips, builds computing infrastructure, and rents that capacity to larger technology firms. Companies such as CoreWeave and Nebius Group are examples discussed on The Financial Hour as part of the broader AI infrastructure buildout." } }, { "@type": "Question", "name": "Should retirees be worried about the AI data center financing boom?", "acceptedAnswer": { "@type": "Answer", "text": "Dupree Financial Group's view is measured skepticism, not alarm. The firm does not currently hold this type of security in client portfolios. As with any headline-driven trend, the firm's approach is to understand exactly what backs an investment before it belongs in a retirement portfolio." } }, { "@type": "Question", "name": "What is the difference between a K-shaped and G-shaped economy?", "acceptedAnswer": { "@type": "Answer", "text": "A K-shaped economy describes higher earners pulling ahead while lower earners fall behind. A G-shaped economy, a newer term discussed on the show, points to more generationally and broadly distributed gains, including wage growth for lower-income workers recently outpacing higher earners." } }, { "@type": "Question", "name": "Why does Dupree Financial Group favor dividend-paying stocks for retirement income?", "acceptedAnswer": { "@type": "Answer", "text": "Founder Tom Dupree began his career selling bonds in the late 1970s and, in the 1990s, noticed that dividend-paying stocks were in some cases outperforming bonds. That observation shaped DFG's approach of pairing dividend growth stocks with bonds to generate income retirees can see and rely on." } } ] } The post AI Data Center Financing: What It Means for Retirees 8-15-26 appeared first on Dupree Financial.

Go GTS Live, August 13, 2026: A Treat from Across the Pond, LOTS of Hobby News - Join host Rob Bertrand, former host of Cardboard Connection Radio, and co-host, James Gale for a fun-filled episode of the best trading card and memorabilia news and talk in #TheHobby! (Season 11, Episode 27, Master Episode 419)  #GoGTSLiveQoftheWeek Poll Question We started the show, as we always do, with our #GoGTSLiveQoftheWeek poll question, where we wanted to know: Here is this week's #GoGTSLiveQoftheWeek Poll: Have you ever been to a live entertainment wrestling event? (WWE, AEW, etc) — Go GTS Live (@GoGTSLive) August 13, 2026 Hobby Happenings As usual, the we detailed the hobby's top stories during our weekly Hobby Happenings segment. Highlights include: CardVault by Tom Brady continues expansion and announces star-powered investor group, eBay introduces seller-friendly shipping changes, Whatnot reaches $20B valuation, legal/crime news and more! Box Breaks We went hunting for

“The way the law is working — the Workday case is exhibit A here — is that vendors are going to be on the hook if their systems are producing biased outcomes. Period.”— Marc WeinsteinEpisode OverviewIn this episode I'm joined by Marc Weinstein, an attorney with 27+ years of practice focused on organizations that use tests to make high-stakes decisions about people — licensure, certification, admissions, and employment selection. His work centers on the legal rights of people impacted by AI systems and the organizations that use them.The legal ground under AI hiring is moving fast. In the past few months a state AI law got sued into a rewrite, a court handed down a ruling that shields bias audit data from view, and a new lawsuit opened a line of attack nobody was watching. If you buy, sell, or use AI hiring tools, this episode helps you stay on top of the shifting sands.Topics Discussed & Key Insights1. First, how to roll: governance before headlines.Marc's advice starts above the regulations. Your own governance is the key to successful risk mitigation. Get this part right and the rest gets much easier.* Before you track any law, ask why you want to use AI in the first place. If you have good answers, then ask how* Set principles for your organization — not for the whole world, for your organization. Let them drive your use cases, your vendor selection, and your evaluation criteria* Operate by them for real. A policy that lives on paper is worth nothing* Do this and you're already in compliance with most of the laws that could touch you. Everything below is what's shifting underneath that foundation2. Vendor liability is shifting fast — get ready now.For a long time, vendors selling hiring tools got a pass. How the customer used the tool was the customer's problem. That arrangement is breaking down.* In Mobley v. Workday, the court is letting claims proceed on the theory that the platform acts as an agent of its employer customers — which puts the same federal anti-discrimination laws that apply to employers on the platform* Plaintiffs go where the deep pockets are. Mega vendors like Workday and 8fold are the deep pockets* Employers are still independently on the hook. Vendor liability adds to yours, it doesn't replace it* Newer legislation points the same direction, and California's new regulations make bias testing itself evidence in court — more on that below* Since we recorded: the court refused to dismiss most of the remaining claims against Workday. The case keeps moving, and the core theory keeps surviving3. Bias audit data can be withheld — and that says a lot.A discovery ruling in the Workday case protected the company's bias testing data from the plaintiffs. Worth sitting with what that means.* The court held the data was privileged because lawyers curated it and the testing was done to provide legal advice — not for business use* Publicly advertising that you conduct bias testing did not waive the privilege* So the people alleging harm from the system may never see the data that would show whether the system harmed them* The bigger question: if the most important evidence about how these tools perform can be shielded, what does accountability actually look like? Proof may have to come from other directions4. There are new ways to hold these tools accountable.The Eightfold case shows creative lawyering finding routes into AI hiring that didn't exist a year ago.* The claim is built on the Fair Credit Reporting Act and privacy law — the argument is that AI-generated candidate scores are consumer reports, compiled without the required disclosures and consent* These theories don't require proving discrimination as a legal element, which makes them easier cases to bring* The target hasn't changed. It's still about how these tools treat people. There are just more ways to get there now5. Colorado is the cautionary tale: get aggressive, get crushed.Colorado passed the most rigorous state AI law in the country — mandatory risk management, impact assessments, a real duty of care. Then it got taken apart.* xAI sued to block the law. The DOJ intervened on xAI's side — the first time the federal government moved to invalidate a state AI law* The legislature rewrote the law under pressure. The replacement is a notice-and-transparency framework, delayed to January 2027* The lesson for everyone else: states that regulate AI aggressively are going to get sued by the federal government and the private sector. Plan around that reality6. Meanwhile, California quietly became the strictest.While everyone watched Colorado, California put real requirements on the books — and nobody has sued to stop them.* Under the FEHA regulations, conducting a documented bias test supports an employer's defense in discrimination litigation. Not conducting one supports the plaintiff. Records must be kept four years* The privacy agency's automated decision-making rules take effect January 2027: pre-use notice to applicants and employees, opt-out rights, and the right to demand how a system reached a decision about you* That last one matters. Can anyone actually explain how a frontier AI model reached its decision? For most of these tools, the honest answer is noFinal TakeawayThe laws will keep shifting. Colorado got rewritten, California's deadlines are coming, and the courts are redrawing vendor liability case by case. You can't chase all of it. Build the governance foundation, make vendors show you their evidence — your data, not just their study — and treat every recommendation a machine makes as the decision it really is. Good governance gets you more than 90% of the way there, as long as it's not just lip service. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit charleshandler.substack.com

Is your dairy farm prepared for a fire, natural disaster or another type of emergency? Does your team know what to do? Join host Kimmi Devaney and Dan Rice from Nationwide Agribusiness Insurance Company for a discussion about the first steps a dairy farm should take, how to develop contingency plans, and tips to build proactive relationships with first responders that will save precious minutes when the unthinkable happens. Episode overview: [~1:25] Another definition of risk management for dairy farms[~1:45] Rice's background and role at Nationwide[~2:55] Top dairy-related claims[~4:10] Newer risks to keep in mind[~5:30] How many dairy farms have any type of emergency plan in place?[~6:15] First steps when developing an emergency plan[~7:35] What is a contingency plan, and how do producers know what they need a contingency plan for? [~9:45] What to include on the list of emergency numbers and where to post it[~12:00] How to make an emergency call[~13:00] Tips to build proactive relationships with the fire department and first responders [~12:15] Who is responsible for the plan/parts of the plan? (Cows, employees, media, first responders, etc.) [~17:00] Tips for handling media during a crisis[~19:50] Preparing for an emergency[~20:20] Follow-up steps after an emergency[~20:50] Communicating the plan to the team/how to involve them in this process [~23:20] Other contingency plans[~29:45] More ideas of what to include on the list of emergency numbers[~31:10] Available resources[~31:30] Questions dairy producers should ask their insurance agent related to emergency planning and risk management[~35:45] Rapid-fire questions

In this episode, Dr. Mitra Afshari speaks with Dr. Jen Nagao about her latest work highlighting the automation of subthalamic deep brain stimulation (DBS) with Evoked Resonant Neural Activity (ERNA) in Parkinson's disease. They discuss the potential benefits of ERNA over beta power in the operating room and future opportunities to explore this newer neurophysiological marker for DBS programming. Read the article. Journal CME is available until June 30, 2027.

California pistachio growers could be facing one of the smallest crops in years after an unusually warm spring disrupted pollination across much of the Central Valley. The outlook was the focus of a recent episode of the AgNet News Hour, where crop advisor and pistachio industry leader Rich Kreps discussed the challenges shaping the 2026 crop and what growers can expect moving forward. Kreps said the extreme heat experienced during bloom created significant pollination issues, particularly in the southern San Joaquin Valley. Because pistachio pollen becomes less viable when temperatures climb above approximately 85 degrees during bloom, many orchards are now showing unexpectedly high percentages of blank nuts. "We went from over 1.5 billion pounds last year," Kreps said. "I've heard estimates ranging from around 900 million pounds down to as low as 600 million pounds. We've almost dropped to a third of the market from last year." While the smaller crop is expected to tighten supplies, Kreps said processors will likely work to moderate price increases in an effort to maintain long-term consumer demand. California pistachios have seen tremendous growth in both domestic and international markets, and he believes keeping the product affordable remains important. He also emphasized the nutritional value of pistachios, noting they provide all nine essential amino acids along with fiber and other important nutrients, helping fuel continued consumer interest. Harvest is expected to begin about a week earlier than normal in many growing regions. However, Kreps said some growers may intentionally delay harvest slightly to avoid making multiple passes through orchards. A single harvest can reduce costs while minimizing stress on trees and preserving buds needed for next year's crop. Beyond this season, Kreps said growers continue making progress in reducing the dramatic "alternate bearing" cycle historically associated with pistachios. Newer varieties such as Golden Hills and Lost Hills, combined with improved fertility and post-harvest nutrition programs, are helping produce more consistent yields from year to year. "If you get the nutrition right," Kreps explained, "I think you dramatically decrease your alternate bearing." He added that maintaining healthier trees allows growers to achieve more stable production rather than experiencing extreme swings between heavy and light crop years. The discussion also touched on global pistachio markets. Despite uncertainty surrounding production in competing regions, Kreps said California remains the world's leader in quality and innovation. He believes expanding international demand, coupled with continued investment in orchard management, positions the state's pistachio industry for long-term success even after a difficult 2026 season. Listen to the full interview below or on your favorite podcast app.

Newer is usually better. Cameras, phones, and TVs have all improved dramatically over the decades. But there's one message John says was never in need of an upgrade: love one another. In this episode, we look at 1 John 3:11-24, where John contrasts the hatred of Cain with the sacrificial love shown at the cross, and shows how that love becomes evidence of a settled conscience before God.

What if the greatest blessing God offers isn't more success, more possessions, or more recognition—but a heart that is truly content? In today's Crosswalk Devotional, we reflect on Ecclesiastes 5:19 and discover that contentment is one of God's greatest gifts. While the world encourages constant comparison and striving, God invites us to rest in the unshakable joy found in Christ. True fulfillment isn't found in having what someone else has. It's found in recognizing God's goodness, embracing His provision, and enjoying the life He has entrusted to us. When we stop measuring our worth by the world's standards, we begin to experience the peace and joy that only God can provide. Highlights: Discover why Ecclesiastes 5:19 describes contentment as a gift from God. Learn how comparison steals joy and keeps us chasing what can never satisfy. Be encouraged to find your identity and worth in Christ instead of worldly success. Understand how gratitude transforms ordinary moments into reminders of God's goodness. Reflect on the difference between striving for approval and resting in God's provision. Find lasting peace by embracing the life God has given rather than longing for someone else's. Join the Conversation Where do you find yourself comparing your life to others? How can you choose contentment and gratitude in Christ instead of striving for what the world says you need? We'd love to hear your thoughts in the comments. Continue the conversation with the Crosswalk community here: https://forums.crosswalk.com/ Do you want to listen ad-free? When you join Crosswalk Plus, you gain access to exclusive, in-depth Bible study guides, devotionals, sound biblical advice, and daily encouragement from trusted pastors and authors—resources designed to strengthen your faith and equip you to live it out boldly. PLUS ad free podcasts! Sign Up Today! Full Transcript Below: Finding the Ultimate Blessing By Kelly Balarie Bible Reading:“Moreover, when God gives someone wealth and possessions, and the ability to enjoy them, to accept their lot and be happy in their toil—this is a gift of God.” – Eccl. 5:19 NIV Walking around the soccer field, I observed the soccer moms. We looked the same. Puffer jackets. White shoes. Wild. I bought these clothes hoping to look good. Maybe, they too, wanted to look good. Maybe, they too, saw images of what moms should look like flash up on social media… Apparently, I wasn’t alone. We all clicked the “buy now” button. The moms walked past me on the concrete sidewalk – did they also unconsciously ask themselves the same thing as me? Namely, am I enough? One woman’s shoes? They were newer than mine.Another woman? She had the cutest fleece jacket.Her car? Newer. Sure, I knew these women looked good on the outside, but how did they feel on the inside? I honed in on a woman’s face. Was she happy? Not really.. I knew better than anyone that superficiality breeds insecurity. Why? Because one can never match up; someone else always has something better, is prettier, is richer. What a waste of time… This endless pursuit of wastefulness is not my inheritance in Christ Jesus. God has better for me. Contentment is God’s best portion for me: The resolute knowing that what He gave me is good. The understanding that I already have more than enough in Christ. The realization that competition and striving never end. The joy found in a day well done. The hope gleaned in a relationship worked out. The powerful steadiness of peace that can’t be shaken. My abundant portion in Christ Jesus is unshakeable and unbreakable. You, my friend, as a believer in Christ, have this same portion too! Solomon, the wisest man ever, summed up contentment in one sentence. He says, “Moreover, when God gives someone wealth and possessions, and the ability to enjoy them, to accept their lot and be happy in their toil—this is a gift of God.” (Eccl. 5:19 NIV) Contentment is a gift. To accept our lo… To be happy… To be able to enjoy… This is a gift from God that the world can never steal. Our greatest gift is not having what our neighbor has, nor is it looking the same, or one-upping someone else. It is not getting more, looking better, being wiser, or having something we have always wanted. God’s truest gift for us? It is the simple things. It is delighting in the face of a child eating a lemon. It is appreciating the car you own and the music it plays. It is relishing in the growth of your own garden. It is knowing He is with you. It is liking and appreciating little, but special things. It is joy, cultivated. No one can compete against that! Intersecting Faith & Life: Where might you be striving and working hard to prove your worth? Where do you try to present yourself as more than you are? How do you try to fit in, rather than allow yourself to stand out? Striving is hard work; resting is contentment. What would it look like for you to give up all this striving in exchange for true, joyful resting in Christ Jesus? Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

You don't have to buy your first rental property—you can build one instead. Newer systems, fewer repairs, and that “brand new” feeling that tenants may pay more rent for. But…is it worth it? Building a small multifamily in a single-family area could let you house hack and own a rare property in your market, but is the headache worth the effort? With more and more investors choosing to build rather than buy, we thought we'd weigh in. Dave and Henry are back answering your questions from the BiggerPockets Forums. Today, we're talking about building vs. buying rentals, when an investment property is too old to be worth buying, the lender-friendly rehab budget Henry uses to get loans for his BRRRRs (buy, rehab, rent, refinance, repeat) and house flips, and whether wholesalers (middlemen) are worth buying properties from. Plus, if you're house hacking, should you tell the tenant you're the owner? Dave tried to hide it before, and shares whether it was worth it.  In This Episode We Cover Building vs. buying rental properties: is the time (and effort) worth the upside?  Renovating an older rental property? This build decade could be best  Henry's exact renovation budget he shares with lenders to get fast financing  Are wholesalers worth their assignment fee? When we will and won't buy from them Should you tell your tenants that you're the owner (what happens if they find out?) And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1307⁠⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

07 22 26 Newer Technologies and Innovations for 2027's Crop by Ag PhD

Watch on Youtube - https://youtu.be/1lR3jFYxKyY Growing an Etsy shop can feel like trying to survive in a jungle. There are thousands of competing products, changing algorithms, and endless advice about what sellers should do next. But growth becomes much easier when you understand what stage your business is in and focus on the right problem. In this episode, Jered shares ten principles that Etsy sellers can use to move from struggling for their first consistent sales to building a profitable and scalable business. Newer sellers need to stop obsessing over profit and concentrate first on earning trust. Etsy promotes shops that consistently create good customer experiences because Etsy makes money when buyers are happy. A newer shop cannot compete with an established seller simply by copying its prices. It must first generate sales, prove that customers want the product, and establish a track record. The next problem is visibility. Most struggling sellers act as though everyone is watching their shop, when the reality is that very few people even know it exists. Sellers need to become memorable, stand apart from similar shops, and actively bring people to their listings. Advertising can accelerate this process by generating visibility and quickly providing useful data. Customers then become one of the most valuable sources of business information. Sellers often believe they already know what shoppers want, but real customer behavior can challenge those assumptions. Every order, question, review, and response teaches the seller more about the market. More customers also create more repetition, helping the seller improve their products, fulfillment, service, and overall skill. Many things feel difficult in business simply because the seller has not developed the necessary skill yet. Once someone has repeatedly sold, fulfilled, and improved a product, the process becomes easier. That increased ability is valuable, and it eventually gives the seller a legitimate reason to charge more. For sellers who already have consistent sales, the next stage is about focus. A shop should serve one core target audience, even when it expands into multiple niches. For example, a sticker seller can create products for hikers, students, drivers, and other groups while still serving people who buy and use stickers. The niches change, but the fundamental customer and product remain connected. Rather than constantly searching for a completely new idea, sellers should look closely at what is already succeeding. A proven product, niche, design, or marketing angle often has far more growth potential than the seller realizes. Becoming exceptionally good at something that works is usually more profitable than being average at many unrelated things. Once traffic and demand are established, sellers should improve how effectively their listings sell. That means understanding why customers want the product, what problem it solves, why they choose it over alternatives, and how to communicate those reasons clearly. Better photos, positioning, offers, descriptions, and pricing can improve conversion rates. When more visitors become buyers, Etsy receives stronger evidence that the listing deserves additional visibility. Established sellers eventually face a different problem: they become too busy fulfilling orders to grow the business. At this stage, raising prices can create needed breathing room. Higher prices may reduce order volume slightly, but they can allow the seller to make the same amount—or more—with fewer orders. They can also filter out bargain-focused shoppers and attract customers who are more committed to the product and the value behind it. Successful shops should also give loyal customers more opportunities to buy. A customer who trusts the seller should never reach the end of the product line with nowhere else to go. Shops can create bundles, premium versions, larger packages, complementary products, and high-end offers. Some customers genuinely want the best option available, but they cannot purchase it unless the seller creates it. Finally, experienced sellers do not always need another new strategy. They often need to be reminded of the principles they already know. Constantly searching for the next trick can distract them from the proven actions that built their business in the first place. The central lesson is that Etsy growth changes as the shop grows. At first, the priority is trust, visibility, customers, and skill. Then it becomes focus, expansion of what works, and stronger selling. Eventually, it becomes pricing, product depth, and disciplined execution. Successful Etsy shops do not survive by doing everything. They survive by identifying their current bottleneck and solving the right problem at the right time.

Why are some verses missing from the NIV, ESV, CSB, NLT, etc., in comparison to the KJV and NKJV? Why are Matthew 17:21, John 5:4, Acts 8:37, and 1 John 5:7 missing from newer translations of the Bible?

Episode 800 brings the show full circle. Tryfon Christoforou was the very first guest on this podcast, back when it was still Target Market Insights and his brokerage was little more than himself, his partner, and one other agent. Today 3CRE runs 42 agents and brokers, and Tryfon returns to break down how he reads the Cincinnati market, how investors can identify strong markets and submarkets anywhere, and how to build and scale a team that performs in any economy.   Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Diversify across asset types so a soft class does not stall your business Let national retailers do the market research, then follow where they build Invest in landlord-friendly states with employment spread across many companies Underwrite conservatively, because cheap debt no longer hides mistakes Hire people who add value, then stay humble enough to let them lead     Topics Returning to the Show and Building 3CRE Tryfon co-founded the partnership with Mike Costantini 14 years ago and went fully independent a decade ago The firm now spans multifamily, retail, office, industrial, business brokering, asset management, residential, and capital markets The team has grown to 42 agents and brokers Why Cincinnati Still Offers Value Prices have doubled or tripled in 14 years but remain well below coastal and Sun Belt markets Newer product rents at roughly $1.50 to $2 per square foot, versus $3 to $4 in cities like Austin and Nashville A white-collar base including Procter & Gamble, GE Aviation, Fifth Third, and Great American supports steady housing demand Submarkets Worth Watching The Norwood and Montgomery Road corridor stays his top pick, with development running from Hyde Park to Oakley to Pleasant Ridge Eastern suburbs such as Loveland, Milford, and Clermont County are drawing new development, partly behind a new Purina plant National retailers like Wawa opening in Silverton signal where growth is heading Reading Any Market From a Distance Track population and household income trends, since falling demographics eventually pull prices down Favor landlord-friendly states with faster, cleaner eviction processes Prefer economies supported by many employers rather than one or two A Harder Market for Operators and Brokers Cheap COVID-era debt let weak underwriting still cash flow, and that cushion is gone Larger multifamily is slow to trade while 10 to 20 unit deals are moving quickly Lenders have turned risk-averse, and some banks have paused commercial lending entirely Why Diversification Wins Specialists in each asset type let the firm follow demand as trends shift New development increasingly blends multifamily with retail and office to spread risk Investors are treating real estate like a diversified portfolio rather than a single bet    

Second upload with tech issues on the first -    The three challenges we see newer (and many experienced sellers) facing are:   Ungating challenges Sourcing 1,000s of great ASINs at a time Finding the "gold" in your large list of ASINs   If you can solve these three challenges, you have a profitable Amazon reselling business. We've seen the pattern OVER and OVER again and you've heard it on our podcast!   Today we are excited to break down these three challenges and show you that they've all been SOLVED! We have a three-day workshop coming up soon (virtual/recorded) that will get you details and step-by-step strategies for each of these three hurdles.   Get into this bootcamp NOW (sooner is better) and get started today! Details here: SilentJim.com/bootcamp   Also – plan to join us in Las Vegas in August for our live event! Thousands of Amazon sellers and ecommerce warriors on location at the largest trade show of the year with a million products and dozens of wholesalers. It's going to be incredible!   Watch this episode on our YouTube channel here: https://youtu.be/jfQRWupwmH8?si=LGC_R25I1RUj8Uhb   Show note LINKS:   SilentJim.com/bootcamp  Jimmy Smith's 3 Day workshop!   TheProvenConference.com August 25-27th TheProvenConference.com/scholarship Pre-event one day "laptops open" workshop: TheProvenConference.com/mbw   ProvenAmazonCourse.com The comprehensive course that contains ALL our Amazon training modules, recorded events and a steady stream of latest cutting edge training, including of course the most popular starting point, the REPLENS selling model. The PAC is updated free for life!   SilentJim.com/kickstart  - If you want a shortcut to learning all you need to get started, then get the Proven Amazon Course and go through Kickstart.   SilentSalesMachine.com - Text the word "free" to 507-800-0090 to get a free copy of Jim's latest book in audio about building multiple income streams online (US only) or visit SilentJim.com/free11   SilentJim.com/bookacall - Schedule a FREE, customized and insightful consultation with my team or me (Jim) to discuss your e-commerce goals and options.   My Silent Team Facebook group. 100% FREE! Facebook.com/groups/mysilentteam - Join 83,000 + Facebook members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world!        

The three challenges we see newer (and many experienced sellers) facing are:   Ungating challenges Sourcing 1,000s of great ASINs at a time Finding the "gold" in your large list of ASINs   If you can solve these three challenges, you have a profitable Amazon reselling business. We've seen the pattern OVER and OVER again and you've heard it on our podcast!   Today we are excited to break down these three challenges and show you that they've all been SOLVED! We have a three day workshop coming up soon (virtual/recorded) that will get you details, step by step strategies for each of these three hurdles.   Today we discuss these challenges and the strategies that overcome them all with Jimmy Smith.   Show note LINKS:   SilentJim.com/bootcamp   TheProvenConference.com August 25-27th TheProvenConference.com/scholarship Pre-event one day "laptops open" workshop: TheProvenConference.com/mbw   ProvenAmazonCourse.com The comprehensive course that contains ALL our Amazon training modules, recorded events and a steady stream of latest cutting edge training, including of course the most popular starting point, the REPLENS selling model. The PAC is updated free for life!   SilentJim.com/kickstart  - If you want a shortcut to learning all you need to get started, then get the Proven Amazon Course and go through Kickstart.   SilentSalesMachine.com - Text the word "free" to 507-800-0090 to get a free copy of Jim's latest book in audio about building multiple income streams online (US only) or visit SilentJim.com/free11   SilentJim.com/bookacall - Schedule a FREE, customized and insightful consultation with my team or me (Jim) to discuss your e-commerce goals and options.   My Silent Team Facebook group. 100% FREE! Facebook.com/groups/mysilentteam - Join 83,000 + Facebook members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world!        

What tools should you have in your coaching practice? You do not need a full website, complicated tech stack, or every system perfectly built before you start financial coaching. But there are a few essential tools that can make things much smoother for both you and your clients as you start and grow your coaching practice. In this episode, Maria and Cody talk through four tool categories newer coaches should consider: schedulers, payment processors, CRMs, and budgeting tools. They discuss why scheduling links can reduce back-and-forth, why a professional payment processor matters, how a CRM can help you manage contacts and communication as your business grows, and why coaches need a budgeting tool that both they and their clients can access. They also talk about why a full website is not always the first thing a new coach needs, how free versions of tools can help you get started, and why the best tool is often the one that fits the way you actually work. If you are new to coaching, this episode will help you think through what you may need to get started. And if you have been coaching for a while, it may be a good opportunity to review the tools you are already using and decide what needs to be adjusted.

Anatoly Zak. Anatoly Zak outlines Russia's plans for an independent space station following the ISS deorbiting around 2031. The aging Zvezda module will be retired, while newer modules launched after 2021 will form the new station.

How can therapists avoid the "diagnosis-as-identity" trap with neurodivergent clients?  Working with autistic clients can feel incomplete at times. Newer clinicians or those who aren't neurodivergent may struggle with the dynamics of this unique client/therapist alliance, even as they collaborate on issues related to relationships and empathy. But one autistic psychotherapist and Mayo Clinic researcher urges trauma-informed therapists to stick with this population. He notes that the tools they already use with neurotypical people can also support neurodivergent clients, building capacity for deeper explorations of identity, behavior, and connection in a non-pathologizing environment.  Host Emily Ruth welcomes Dr. Sean Inderbitzen, DSW, LCSW, a psychotherapist, researcher, and author who has dedicated his practice to advancing autism therapy through innovative, evidence-based approaches. The conversation explores ways clinicians can help neurodivergent clients avoid the "diagnosis-as-identity" trap, focusing instead on what is within their control. And finally, Sean guides our audience through a simple yet effective practice for reclaiming a sense of safety and well-being during periods of dysregulation. Transforming Trauma is grateful to Sean for sharing his experiential point of view and for preparing our audience to better support the neurodivergent community.  To read the full show notes and discover more resources, visit https://complextraumatrainingcenter.com/transformingtrauma SPACE: SPACE is an Inner Development Program of Support and Self-Discovery for Therapists on the Personal, Interpersonal, and Transpersonal Levels offered by the Complex Trauma Training Center. This experiential learning program offers an immersive group experience designed to cultivate space for self-care, community support, and deepening vitality in our professional role as therapists. Learn more about how to join. *** The Complex Trauma Training Center: https://complextraumatrainingcenter.com View upcoming trainings: https://complextraumatrainingcenter.com/schedule/ Join us for this a transformative 2-day Intro to NARM® online workshop: https://bit.ly/narmintro *** The Complex Trauma Training Center (CTTC) is a professional organization providing clinical training, education, consultation, and mentorship for psychotherapists and mental health professionals working with individuals and communities impacted by Adverse Childhood Experiences (ACEs) and Complex Trauma (C-PTSD). CTTC provides NARM® Therapist and NARM® Master Therapist Training programs, as well as ongoing monthly groups in support of those learning NARM. CTTC offers a depth-oriented professional community for those seeking a supportive network of therapists focused on three levels of shared human experience: personal, interpersonal & transpersonal. The Transforming Trauma podcast embodies the spirit of CTTC – best described by its three keywords: depth, connection, and heart - and offers guidance to those interested in effective, transformational trauma-informed care. We want to connect with you! Facebook @complextraumatrainingcenter Instagram @cttc_training LinkedIn YouTube

Episode OverviewThe Articulate Fly host Marvin Cash sits down with fly tying guru Allen Rupp, founder of Fly on the Water and Dave Whitlock's hand-selected legacy tier, for a deep dive into the classic fly patterns that built modern fly fishing. Rupp traces his fly tying education back to childhood phone calls with Bob Clouser, in-person mentorship from Lefty Kreh and George Harvey, and decades spent learning directly from Dave Whitlock, explaining why patterns like the Clouser Minnow, the Half and Half, Lefty's Deceiver and Whitlock's Near Nuff Crayfish and Sculpin remain so effective that newer materials and techniques rarely improve on them. The conversation ranges from the upper Potomac River, where Rupp first learned to tie and fish, to saltwater destinations like the Seychelles and the Amazon, where his Semper Fli patterns are now requested by name by local guides. Rupp and Cash dig into why presentation matters more than fly choice (a lesson Rupp learned fishing a single hare's ear nymph for an entire year), how legends like Whitlock and Clouser relentlessly simplified their patterns rather than complicating them, where to source increasingly scarce natural materials like hand-plucked mallard flank and Cree hackle, and which adhesives belong on every serious tier's bench. Whether you fish for smallmouth bass, stripers, bonefish or golden dorado, this episode is a masterclass in why the old patterns still catch fish and what they can teach today's tiers about durability, simplicity and effective design.Key TakeawaysHow focusing on a single fly pattern for an entire season can teach anglers that presentation matters more than fly choice.Why classic patterns like the Clouser Minnow, the Half and Half and Lefty's Deceiver remain more effective than many modern variations.How simplifying a fly pattern down to its essential materials often makes it more durable and more effective than adding complexity.Why choosing the right adhesive for a material (soft adhesive for soft materials, rigid adhesive for hard surfaces) prevents premature fly failure.When to source fly tying materials from non-fly shop retailers like craft and fabric stores.How filling Clouser Minnow thread wraps with resin in a triangle or heart shape creates a fly that is nearly weedless.Techniques & Gear CoveredRupp walks through the construction logic behind classic patterns including the Clouser Minnow, the Half and Half, Lefty's Deceiver, the CK Baitfish, Chico's Bonefish Special, Lou Tabory's Snake Fly and Dave Whitlock's Near Nuff Crayfish and Sculpin, explaining how each pattern's simplicity contributes to its durability and fish-catching consistency. He details specific tying fixes including pre-treating deer hair eye cavities with Flexament before adding Goop and a final drop of Flexament to prevent eyes from popping off, and filling Clouser Minnow thread wraps with resin in a triangle or heart shape to create a snag-resistant profile. On adhesives, Rupp runs a bench of nine different products including Zap-A-Gap in two viscosities, Softex, Tuffleye and various other cements, matching soft adhesives to soft materials like deer hair and rigid adhesives to harder surfaces. For tools he favors Mark Petitjean bobbins for fine thread work and Renomed scissors for their durability and lifetime warranty, while sourcing scarce natural materials like Cree hackle, hand-plucked mallard flank and dry fly saddles from specialty sellers.Locations & SpeciesRupp's tying and fishing roots trace to the upper Potomac River and the Mid-Atlantic region of Maryland, Virginia and Pennsylvania, where he learned from guide Mark Kovach and crossed paths with Lefty Kreh and Bob Clouser at regional fly fishing shows. His classic patterns now see action well beyond home water, targeting smallmouth bass and trout in eastern rivers, striped bass at night from Virginia to Maine on Lou Tabory's Snake Fly, and trevally and golden dorado in destinations like the Seychelles and South America, where his Semper Fli pattern has become a guide favorite.FAQ / Key Questions AnsweredWhy do classic fly patterns like the Clouser Minnow and Lefty's Deceiver still outperform many modern variations?Allen Rupp explains that classic patterns endured because their originators relentlessly simplified them down to only the materials necessary for action and durability rather than adding complexity for visual appeal. Newer flies often look more elaborate but can introduce problems like tails that foul on the cast, while classics like the Deceiver (just bucktail, feathers and flash) remain reliably effective.How does fly choice compare to presentation in catching more fish?Rupp credits mentor Brad Yoder with the lesson that presentation matters far more than fly pattern, after fishing a single gold-ribbed hare's ear nymph exclusively for an entire year. He caught roughly the same number of fish as he had with pattern variety, reinforcing that learning to fish one fly in every water condition teaches more than chasing the next new pattern.What is the best adhesive to use on different fly tying materials?Rupp's rule, learned from Dave Whitlock, is to match a soft, flexible adhesive like Flexament to soft, flexible materials like deer hair and reserve rigid adhesives like Zap-A-Gap for harder surfaces. Using a rigid adhesive on a flexible material creates a stress point that cracks and fails after a few fish.Where can tiers find scarce natural materials like Cree hackle and quality mallard flank?Rupp sources hard-to-find feathers and fibers from a mix of specialty sellers, friends who hunt and hand-pluck birds, and even craft stores like Michaels and Joann Fabrics for items like glass beads, foam and embroidery materials. He notes that machine-plucked commercial mallard flank is often unusable for patterns requiring intact feather shape, making hand-plucked birds essential for some classic ties.What is swing nymphing and where did the technique originate?Swing nymphing is a technique Rupp developed independently as a teenager on the upper Potomac by adapting light jig presentations to a fly rod, only to later learn that Charlie Brooks had pioneered the same approach on the Yellowstone River decades earlier. Rupp covers the technique in an upcoming magazine article and credits Harry Murray's writing for connecting him to its origins.SponsorsThanks to TroutRoutes for sponsoring this episode. Use ARTFLY20 to get 20% off of your TroutRoutes Pro membership.Related ContentS7, Ep 66 - Tales of a Fly Fishing Legend: Remembering Dave WhitlockBONUS - Mastering the Beast: A Deep Dive into Bob Popovics' Legendary Fly with Captain Ben WhalleyS4, Ep 150 - FLY TYING REDUX: Soft Hackles with Allen McGeeConnect with Our GuestFollow Allen on Facebook, Instagram and YouTube.Follow the ShowFollow The Articulate Fly on Facebook, Instagram, Threads and YouTube.Follow our Substack newsletter for episode updates, tips and resources.Support the ShowShop through our Amazon link to support the podcast.Join our Patreon community to support the show.If you are in the industry and need help getting unstuck, learn more about our consulting options.Subscribe & AdvertiseSubscribe to the podcast in your favorite podcast app.Think our community is a good fit for your brand? Advertise with us.Helpful Episode...

Preparing for a colonoscopy may not be anyone's favorite part of colorectal cancer screening, but proper colonoscopy prep is one of the most important factors in detecting precancerous polyps and colorectal cancer early. In this episode, Jacqueline Gaulin sits down with leading gastroenterologist Dr. Fola May to answer common questions about bowel preparation for colonoscopy. Why is colonoscopy prep necessary? What happens if the bowel isn't cleaned properly? Have preparation options improved over the years? And what can patients do to make the process easier? As a co-author of the latest U.S. Multi-Society Task Force recommendations on bowel preparation for colonoscopy, Dr. May explains how colonoscopy prep has evolved to become more effective and patient-friendly. She discusses lower-volume bowel prep options, updated dietary recommendations, and practical strategies to help patients achieve a high-quality prep and avoid repeat procedures. In this episode, you'll learn: ✅ Why bowel preparation is essential for an effective colonoscopy ✅ How poor prep can impact polyp and cancer detection ✅ Newer low-volume colonoscopy prep options ✅ Updated diet recommendations before a colonoscopy ✅ Tips for improving your colonoscopy prep experience ✅ How proper prep helps improve colorectal cancer screening outcomes Whether you're preparing for your first colonoscopy or looking for the latest guidance on bowel preparation, this episode provides expert insights to help you feel more confident and informed. This episode is brought to you in collaboration with the American College of Gastroenterology Patient Care Committee.   

Today we have another Pulm PEEPs Pearls episode about a core critical care topic. Furf and Monty will be giving a high level overview of the use of steroids in sepsis including a review of the relevant literature and recent guidelines, and pragmatic bedside points. Contributors This episode was prepared with research by Pulm PEEPs Associate Editor George Doumat. Dustin Latimer, another Pulm PEEPs Associate Editor, assisted with audio and video editing. Key Learning Points Why Steroids in Sepsis? Steroids do not treat the infection — antimicrobials are always first and remain the cornerstone. The goal is addressing critical illness–related corticosteroid insufficiency (CIRCI), where cortisol production cannot keep up with the overwhelming inflammatory demand of septic shock. Hydrocortisone helps in two main ways: Blunts the dysregulated inflammatory response — tempers the excessive vasodilation and febrile response that drive harm beyond the infection itself. Restores vascular sensitivity to catecholamines — sepsis downregulates adrenergic receptors; steroids turn that responsiveness back on. Clinical takeaway: The first thing you notice is vasopressor weaning (or a bend in the escalation curve) — not a rapid improvement in fever or white count. Caveat: These trials predate modern sepsis phenotyping. None distinguish hyperinflammatory vs. hypoinflammatory responders — they treat all comers. The Evidence: Four Landmark Trials Every IM resident and critical care fellow will eventually journal-club these four. The most consistent signal across all of them is faster shock reversal and reduced vasopressor use; the mortality question remains unsettled. Trial (Year)NRegimenKey FindingAnnane (2002)~300Hydrocortisone + fludrocortisoneMortality benefit in ACTH non-responders; criticized methodology and messy cortisol-response testing; not cleanly replicated.CORTICUS (2008)~500Hydrocortisone aloneFaster shock reversal but no mortality benefit, regardless of cortisol responsiveness. Raised (later allayed) superinfection concern. Cornerstone for abandoning routine cort-stim testing.ADRENAL (2018)~3,800Hydrocortisone aloneFaster vasopressor weaning; no 90-day mortality benefit.APROCCHSS (2018)~1,200Hydrocortisone + fludrocortisoneMortality benefit at 90 days. Bottom line: Faster shock reversal is consistent. Mortality benefit appears in 2 of 4 trials (both used fludrocortisone) but not the others. A 2026 meta-analysis showed benefit for hydrocortisone + fludrocortisone vs. placebo, but not for hydrocortisone + fludrocortisone vs. hydrocortisone alone — suggesting hydrocortisone drives the main effect. Who Gets Steroids, and When? 2021 Surviving Sepsis: Consider steroids for norepinephrine or epinephrine ≥ 0.25 mcg/kg/min for ≥ 4 hours despite adequate resuscitation — a reasonable bedside trigger. Early 2026 update: Moved away from a specific numeric trigger — consider steroids when a septic patient is not responding well to vasopressors or has escalating requirements. Make a clinical decision. (Quality of evidence: low to moderate.) Go faster than the threshold when: Known/suspected adrenal insufficiency or home steroids, or florid pressor-requiring shock on arrival. A practical escalation sequence: escalating norepinephrine → add vasopressin (per VASST) → then add steroids if requirements keep climbing. Do NOT wait for an ACTH stimulation test. It does not reliably predict who responds and only delays treatment. Sepsis is an elevated-cortisol state but can dissociate ACTH and cortisol, and cortisol-binding globulin is depleted — the test is too messy to guide care. What to Give: The Regimen Standard dose: Hydrocortisone 200 mg/day, typically 50 mg IV Q6H. (Original trials often used continuous infusions, rarely used in the U.S.) Some start with a 100 mg bolus to gain control. Higher dose: If chronically on steroids / adrenally insufficient, consider ~300 mg/day (e.g., 100 mg Q8H). Fludrocortisone: Unsettled. The two mortality-benefit trials added it (50 mcg PO/NG/OG daily), but hydrocortisone already has mineralocorticoid activity and meta-analyses don't show added benefit over hydrocortisone alone. Most clinicians omit it — adding it is reasonable and safe, just be honest about the uncertainty. Duration & Tapering Typical course: ~7 days is most common. Trial practices varied (ADRENAL ~7 days; VANISH used a taper after 6 days; some continue until pressors are off). No taper needed. You do not need to taper for adrenal insufficiency after a short course — just stop. If pressors dramatically rebound, you can restart, but most patients have gained the benefit they'll get by day 7. Pitfalls & Safety Hyperglycemia: Expected and must be managed (monitor closely; insulin drip if needed). No signal for major DKA / severe complications in the trials. Superinfection / fungal infection: The most-quoted concern, but the overall literature does not show a convincing, statistically significant increase. Be disciplined about stopping on schedule. Muscle weakness: Steroids can worsen critical illness myopathy; a short 7-day course likely has limited effect, but be aware. Other: GI bleeding (follow general PPI prophylaxis guidance) and sodium disturbances (watch for hyper-/hyponatremia). Two things we know: (1) steroids shorten duration of vasopressor support, and (2) they are relatively safe in sepsis. Whether they improve mortality — and in whom — remains open. The Five Pulm PEEPs Pearls Mechanism: Steroids restore catecholamine vascular sensitivity and blunt dysregulated inflammation. The clinical target is vasopressor weaning, not infection treatment. Evidence: Faster shock reversal is the most consistent finding. Mortality benefit is seen in 2 of 4 trials but not the others — still controversial. Some patients likely benefit; we don't yet know who. Trigger: A practical 2021 threshold is levo/epi ≥ 0.25 mcg/kg/min for ≥ 4 hours. Newer guidance drops the strict number — make a clinical decision based on poor pressor response or escalation. Dose: Hydrocortisone 200 mg/day (e.g., 50 mg Q6H). Adding fludrocortisone mirrors two trials, but meta-analyses find no benefit over hydrocortisone alone. Safety: Steroids appear safe in sepsis. Monitor and treat hyperglycemia; no marked increase in superinfection. References and Further Reading Annane, Djillali et al. “Effect of treatment with low doses of hydrocortisone and fludrocortisone on mortality in patients with septic shock.” JAMA vol. 288,7 (2002): 862-71. doi:10.1001/jama.288.7.862 Sprung, Charles L et al. “Hydrocortisone therapy for patients with septic shock.” The New England journal of medicine vol. 358,2 (2008): 111-24. doi:10.1056/NEJMoa071366 Venkatesh, Balasubramanian et al. “Adjunctive Glucocorticoid Therapy in Patients with Septic Shock.” The New England journal of medicine vol. 378,9 (2018): 797-808. doi:10.1056/NEJMoa1705835 Annane, Djillali et al. “Hydrocortisone plus Fludrocortisone for Adults with Septic Shock.” The New England journal of medicine vol. 378,9 (2018): 809-818. doi:10.1056/NEJMoa1705716 Sun, Alin et al. “Correction: Hydrocortisone combined with fludrocortisone for treatment of adults with septic shock: an updated meta-analysis and systematic review.” Frontiers in medicine vol. 13 1811616. 2 Mar. 2026, doi:10.3389/fmed.2026.1811616 Prescott, Hallie C et al. “Executive Summary: Surviving Sepsis Campaign: International Guidelines for Management of Sepsis and Septic Shock 2026.” Critical care medicine vol. 54,4 (2026): 715-724. doi:10.1097/CCM.0000000000007089

Andy Furman & Bucky Brooks start off the show by giving the Knicks their flowers for winning the NBA Title after so long. Andy & Bucky also ponder if Jalen Brunson is now the greatest Knicks player ever after this dominant championship run. Plus, the guys contract details in the NFL, we have The Blame Game, and more!!See omnystudio.com/listener for privacy information.

In this episode we explain what is needed and what your options are for adding Ciro lighting to your 2024 and newer Harley-Davidson touring model with the new IFCU infotainment system.  If you own a 2024 or newer Harley-Davidson touring motorcycle and you're looking to upgrade your rear lighting, it's important to understand how the Ciro lighting system works before you start buying parts. Harley's newer electrical architecture changed the game, and that means riders need to know which components are required, how the different products connect, and what options are available for basic or advanced functionality. We break down exactly how Ciro lighting for Harley-Davidson motorcycles works, what products are needed, and how to choose the right setup for your bike. We'll also highlight the individual Ciro products discussed in the video so you can easily link them to the Law Abiding Biker Store. SUPPORT US AND SHOP IN THE OFFICIAL LAW ABIDING BIKER STORE The 2024 and newer Harley-Davidson touring models introduced major changes to the bike's electrical system. Because of those updates, adding aftermarket lights is not as simple as it was on previous Harley-Davidson models. That is why riders need to understand the Ciro system before purchasing. The good news is that Ciro engineered a clean, plug-and-play style solution that works with these newer Harley touring bikes. Once you understand the system, it becomes much easier to plan your lighting build and choose the right components the first time. If you are adding Harley-Davidson rear lighting, improving visibility, cleaning up the rear of the bike, or building a custom look, this guide will help you avoid confusion and get the setup you actually want. CHECK OUT OUR HUNDREDS OF FREE HELPFUL VIDEOS ON OUR YOUTUBE CHANNEL AND SUBSCRIBE! The most important thing to understand is that your first Ciro lighting purchase determines how your system will function moving forward. When adding Ciro lights to a 2024+ Harley-Davidson touring bike, you generally need to choose between: Ciro Lightstrike Commander Ciro Standard Adapter That first decision matters because it determines whether you'll have only basic lighting functionality or full app-based customization and expandability. If you are building out a lighting package for your Harley, this is the foundation of the entire system. The Ciro Lightstrike Commander is the advanced option and is often the best choice for riders who want a more customizable setup. This component acts like the brain of the lighting system. It allows your Ciro lights to integrate with the bike while also unlocking the Ciro Lightstrike app. With the app, you can access more advanced functionality and customize supported lighting products individually. That means the Ciro Lightstrike Commander for Harley-Davidson gives you more than simple run, turn, and brake lighting. It opens up added control over supported lighting features, light behavior, and customization options depending on the products installed on your motorcycle. If you think you may add more Ciro products in the future, the Lightstrike Commander is a smart long-term investment because you only need to buy it once. NEW FREE VIDEO RELEASED: Step-by-Step Install: Trail Tech Radiator Fan-Husqvarna, KTM, Gas Gas How To Change Harley Front Wheel Bearings Sponsor-Ciro 3D CLICK HERE! Innovative products for Harley-Davidson & Goldwing Affordable chrome, lighting, and comfort products Ciro 3D has a passion for design and innovation Sponsor-Butt Buffer CLICK HERE Want to ride longer? Tired of a sore and achy ass? Then fix it with a high-quality Butt Buffer seat cushion! Sponsor-HogWorkz CLICK HERE HogWorkz builds motorcycle parts the way bikers want them. Clean fit, quality finish, and customer service that actually answers. We run their gear on our own Harleys because we trust it. The Ciro Standard Adapter is the simpler route for riders who want straightforward lighting without app control or advanced programming and it comes standard within the lighting kits.  If you choose the standard adapter, your supported Ciro lights will provide basic run, turn, and brake functionality. For many riders, that may be enough. If your goal is simply to add visibility and a cleaner rear lighting appearance on your Harley-Davidson, this option can work very well. However, it is important to understand what you are not getting. The standard adapter does not provide access to the app-based Lightstrike features. So if you want greater flexibility, deeper customization, or plan to build a more elaborate lighting system later, the Lightstrike New Patrons: Nick Jackson of Gillette, Wyoming (Patron Member Gary Jackson's son) Tolleigh Capps of New Market, Tennessee Chris Derr of Greenville, Ohio If you are trying to decide which Ciro components to buy, think about your long-term goals for the bike. If you only want basic run, turn, and brake lighting, then the Ciro Standard Adapter may be enough and it's included in the Ciro lighting kits. If you want app-based control, added customization, then the Ciro Lightstrike Commander is the better choice. If you want one of the easiest starting points, the Ciro Filler Panel Lights are especially appealing because they can work in a basic plug-and-play fashion while still allowing for future Lightstrike integration. That is why understanding the system first is so important. It helps you spend money once, buy the right parts, and build your Harley lighting system the way you actually want it. If you appreciate the content we put out and want to make sure it keeps on coming your way then become a Patron too! There are benefits and there is no risk. Thanks to the following bikers for supporting us via a flat donation: Steven Stratton of Stockton, California Jim Fragassi of North Wales, Pennsylvania Daniel Deitz of Andersonville, Tennessee HELP SUPPORT US! JOIN THE BIKER REVOLUTION! #BikerRevolution #LawAbidingBiker #Bikaholics #RyanUrlacher

00:00 High Five.12:20 Traditional teams vs. newer teams having success in sports.34:10 Rockies notes.

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Read OnlineJesus said to the Jewish crowds: “I am the living bread that came down from heaven; whoever eats this bread will live forever; and the bread that I will give is my flesh for the life of the world.” The Jews quarreled among themselves, saying, “How can this man give us his flesh to eat?” John 6:51–52It must have been shocking to Jesus' listeners the first time He boldly proclaimed that He would give His flesh as spiritual food. Their reaction makes this clear: “How can this man give us his flesh to eat?” Jesus did not back down or soften what He had just proclaimed. Instead, He began a lengthy and direct discourse, starting with these words:“Amen, amen, I say to you, unless you eat the flesh of the Son of Man and drink his blood, you do not have life within you. Whoever eats my flesh and drinks my blood has eternal life, and I will raise him on the last day. For my flesh is true food, and my blood is true drink. Whoever eats my flesh and drinks my blood remains in me and I in him.” (John 6:53–56)What would you have thought had you been among the first hearers? We're told the people quarreled, indicating division. Some, we later read, murmured among themselves, saying: “This saying is hard; who can accept it?” And tragically, many of Jesus' disciples left Him and returned to their former way of life (cf. John 6:60–66).Despite this apparent failure and loss of disciples, Jesus did not retract or revise His teaching. Instead, He turned to the Twelve and asked if they too wished to leave. Peter, with clarity and faith, responded with one of the most profound statements of discipleship in all of Scripture: “Master, to whom shall we go? You have the words of eternal life. We have come to believe and are convinced that you are the Holy One of God” (cf. John 6:67–69).In many ways, Peter's words are as important for us today as Jesus' own words introducing the Eucharist. Why? Because Peter shows us how to respond when we encounter divine mysteries beyond human understanding. The Eucharist is one of the most central of these mysteries.Do you believe in the Eucharist? Do you believe that it is truly the flesh and blood of the Son of God—His Body and Blood, Soul and Divinity? Though many of us have learned this teaching from childhood and accept it on some level, few penetrate the depth of the mystery we behold at every Mass. Saint John Vianney spoke beautifully of the Eucharist, revealing his profound reverence for this Gift: “If we really understood the Mass, we would die for joy.” And: “There is nothing so great as the Eucharist. If God had something more precious, He would have given it to us.” He also said: “How beautiful it is! After the Consecration, the good God is there as He is in Heaven.”It's easy to approach the Holy Mass out of routine rather than with the depth of faith possessed by the saints. But that must be our goal. We must believe that we would truly “die of joy” if we understood the Mass.The Solemnity of Corpus Christi is our annual invitation to step back and reflect on what we believe—and how devoutly we participate in the Mass and receive Holy Communion. We need this reminder so that our worship and faith do not grow lax.Reflect today on Jesus' unwavering clarity: “Amen, amen, I say to you, unless you eat the flesh of the Son of Man and drink his blood, you do not have life within you.” Believe what He says. The Eucharist is not a symbol; it is the greatest Divine Mystery on earth. In the Eucharist, we kneel before God and consume Him—so that we may become what we eat: the Mystical Body of Christ.Let us close by praying the opening verses of a hymn Saint Thomas Aquinas wrote at the request of Pope Urban IV for the newly instituted Feast of Corpus Christi in 1264—the Pange Lingua, meaning, “Proclaim, O Tongue.” Down in adoration falling,Lo! the sacred Host we hail;Lo! o'er ancient forms departing,Newer rites of grace prevail;Faith for all defects supplying,Where the feeble senses fail. To the everlasting Father,And the Son who reigns on high,With the Holy Ghost proceedingForth from each eternally,Be salvation, honor, blessing,Might, and endless majesty. Amen.The last supper, via Adobe StockSource: Free RSS feed from catholic-daily-reflections.com — Copyright © 2026 My Catholic Life! Inc. All rights reserved. This content is provided solely for personal, non-commercial use. Redistribution, republication, or commercial use — including use within apps with advertising — is strictly prohibited without written permission.

“Every woman deserves the chance to have a real discussion about hormone therapy — and make whatever decision is right for her. I'm here to give information and answer questions. It's your body.”— Dr. Jacqueline RiedelThe doctor who finally has time for youDr. Jacqueline Riedel, DO spent 15 years in family medicine where she learned this: women's hormonal health in midlife was profoundly under-treated and misunderstood. In a busy hospital-based clinic, she'd start a long-overdue conversation with a patient about perimenopause symptoms… and have to cut it off because the schedule demanded it.So she left. She opened Magnolia Midlife Women's Health, a direct-care practice built on something simple but radical: unhurried, conversational visits where women can actually ask their questions, get real answers, and leave feeling seen.In this conversation, she covers what's really happening hormonally in your 30s, 40s, and 50s and why everything you were told to fear about hormone therapy probably isn't the full story.Perimenopause starts earlier than you thinkDr. Riedel sees women with perimenopause symptoms long before any changes in the menstrual cycle. If you've been dismissed, or told your symptoms are just stress or mom-brain, you're not alone. Symptoms she commonly sees:• New insomnia: can't fall asleep or waking for no apparent reason• Anxiety, often misread as “just life stress”• Persistent, unexplained fatigue• Hot flashes and night sweats• Mood changes including irritability, low mood, brain fog• Cycle irregularities such as heavier periods, irregular timingDr. Riedel's approach: map symptoms to your cycle. When do they happen? Are there patterns? She also rules out other common causes, including thyroid issues and iron deficiency before exploring hormone therapy as an option.MYTH BUSTINGThe fears holding women back from reliefTwo decades after the Women's Health Initiative (WHI) study was misread and sensationalized, fear still dominates the conversation around hormone therapy. Dr. Riedel sets the record straight.Myth 1: Hormone therapy causes breast cancer.Fact: Long-term WHI follow-up showed women in the hormone treatment group had lower rates of breast cancer. Even a first-degree family history is not a contraindication. And if breast cancer does occur in someone using MHT, their risk of dying is actually lower than in those not using it.Myth 2: The doses in MHT are dangerously high.Fact: Menopausal hormone therapy doses are far lower than those in oral contraceptive pills. If you'd prescribe the pill, you can't logically call MHT dangerous.Myth 3: Vaginal estrogen has systemic effects and should be avoided in cancer history.Fact: Topical vaginal estrogen has negligible systemic absorption. It reduces UTIs, yeast infections, urinary frequency, and pelvic floor dysfunction, even in women under active breast cancer treatment, per emerging oncology research. The FDA recently removed the black-box warning.TREATMENT OVERVIEWHow Dr. Riedel approaches careThere's no single protocol. Dr. Riedel listens first, identifying the top two or three symptoms most affecting quality of life, and builds from there.Progesterone for sleep & anxiety• Stimulates GABA production, a calming neurotransmitter• Helps with sleep onset and staying asleep• Reduces the racing mind at 2am• Often the first place she startsEstrogen for vasomotor symptoms• Addresses night sweats, hot flashes, palpitations• Keeps estrogen levels from dropping to “empty”• Preferred as transdermal (patch, gel, spray) to avoid blood clot risk• Added when progesterone alone isn't enoughVaginal estrogen for urogenital health• Reduces painful intercourse and dryness• Decreases UTIs and yeast infections• Supports pelvic floor health long-term• About 50% of women need this even on systemic estrogenNon-hormonal options when hormones aren't right• Newer medications targeting particular neurons in the hypothalamus (hot flash regulation)Things you can do and questions to askDr. Riedel's conversation offers practical starting points for women navigating this transition on their own or with a provider.01. Track your symptoms in relation to your cycleSleep disruption, anxiety, and mood changes that follow a cyclic pattern are often hormonal in origin. Note when in your cycle you feel worst because this information is gold for any provider visit.02. Ask your doctor to rule out thyroid and iron firstFatigue, brain fog, and sleep issues can also come from iron deficiency or thyroid dysfunction. Simple labs can clarify what you're actually dealing with before hormones enter the picture.03. Reconsider what's in your sleep toolkitAlcohol before bed worsens sleep, hot flashes, and anxiety, even though it feels like it helps. Benadryl/ZQuil, Ambien, and benzodiazepines disrupt true sleep architecture. CBT for insomnia has strong evidence and virtually zero side effects. 06. Consider this a second puberty — not a declineMidlife is a genuine developmental threshold. Dr. Riedel and Margaret Mead's concept of “postmenopausal zest” both point in the same direction: this can be a time of clarity, reclaimed energy, and real possibility if you get the support your body actually needs.REFERENCES & RESOURCES[Podcast] Kelly Casperson, MD — You Are Not BrokenUrologist and leading voice in the menopause space. Dr. Riedel's “gateway” into this field. Highly recommended for patients and providers alike.[Course] Rachel Rubin, MD — Physician Webinar SeriesSex medicine specialist and urologist based in Washington, D.C. Physician-only course covering the science of hormones, common fears, and evidence-based prescribing. Her tagline: “What are you afraid of?”[Course] Heather Hirsch, MD — Menopause EducationA well-regarded course for providers wanting to build competence in this space.[Organization] The Menopause Society (formerly NAMS)Membership, certification exam, slide decks, and a comprehensive textbook. menopause.org[Supplement Review] Labdoor.comIndependent third-party testing of supplement brands for purity and label accuracy.FIND DR. RIEDELMagnolia Midlife Women's HealthA direct-care practice built for women who are tired of feeling rushed, dismissed, and underserved. Long visits. Real conversations. Evidence-based care from a physician who actually gets it.Free 15-min consult Not sure if you need this kind of care? Book a quick call to talk through your symptoms and see if Magnolia is the right fit.Website: magnoliamidlife.comInstagram: @magnolia_midlifeUpcoming Event — June 30 Free public lecture at the Haddonfield Public Library: “Is It a Fad?” An evening on perimenopause, evidence, and what women deserve to know. Register through the library website.Thanks for reading A Mind of Her Own! This post is public so feel free to share it.

The 2026 London Marathon saw new world record times set in both the men's and women's events. Eyes weren't just on the winning athletes but also on the Adidas trainers they were wearing. So what goes into designing and making a pair of trainers and why have some of them become so expensive to buy? Global sales for trainers are in the tens of billions of dollars with hundreds of new styles being produced every year. How does the industry keep up with demand and stay on trend? Giant companies like Nike and Adidas, who dominated the industry for decades, can no longer take anything for granted. Newer brands like On and Hoka have managed to break through and are shaking things up. How have they managed to do it? Evan Davis gets some insights and answers from people who work in the industry.Guests: Tony Evans: Managing Director of Jacobson Group Tom Astrella: Co-founder The Footsoldiers Wayne Edy: Founder and CEO of Inov8Presenter: Evan Davis Producer: Sally Abrahams & Nick Holland Sounds: Dave O'Neill and Frank McWeeny Editor: Sam Bonham

In this episode of Dismantling You, I sit down with Dr. Stephanie McNally, a women's health physician affiliated with the Katz Institute for Women's Health at Northwell Health. We pull back the curtain on the parts of women's health that so often go unspoken: fertility, perimenopause, menopause, and the hormonal shifts that shape how we feel at every stage. Dr. McNally explains why so many women misread their own bodies, how the birth control pill can mask underlying hormonal patterns, and why regular cycles do not automatically mean everything is fine underneath. We also talk about the importance of listening to your body and getting curious instead of dismissing symptoms as just stress or aging.From there we go deep on hormone therapy and why the science has been so badly misunderstood for decades, including what newer research suggests about heart and cognitive protection when therapy starts at the right time. We unpack the truth about menopause weight gain and metabolism, why sleep should be treated as a vital sign, and how mood, anxiety, and hormones are far more connected than most of us were ever taught. Dr. McNally also speaks candidly about access to care, the cultural silence around women's health, and why she has had to unlearn parts of her own training along the way. It is an honest, myth busting conversation that will leave you better equipped to advocate for yourself and ask sharper questions at your next appointment.Key Highlights

In this episode of Tea with Dr. D, host James Q. Del Rosso delivers a solo “Spilling the Tea” segment that revisits oral isotretinoin through a longitudinal lens, connecting its early clinical foundations to present-day practice. Framing isotretinoin as a “winding road,” Dr Del Rosso reflects on its 1982 approval, early safety observations, and the evolution of risk management strategies, including the iPLEDGE program. While concerns around psychiatric effects, inflammatory bowel disease, and teratogenicity have shaped prescribing behaviors, he emphasizes that most patients tolerate therapy well when appropriately monitored. A central theme is the value of foundational knowledge. Dr Del Rosso highlights considerations that remain highly relevant, including dosing flexibility, relapse patterns, treatment duration, and importantly, the impact of absorption on outcomes. Conventional formulations require adequate dietary fat for optimal bioavailability, and suboptimal fat intake may contribute to perceived treatment failure or relapse. He also reviews evolving data on dosing strategies, noting that a range of daily doses can achieve clearance. The priority, however, is durability of response. Clinicians are encouraged to focus on cumulative exposure and to individualize therapy, extending duration or adjusting dose as needed to maintain clearance. Newer formulations, including lidose and micronized isotretinoin, may help mitigate variability in absorption and improve consistency, though access and cost remain considerations. Additional insights address relapse risk and the importance of evaluating possible underlying contributors such as androgen excess. Laboratory monitoring practices have also evolved, with a more streamlined approach focusing on key parameters like liver enzymes and triglycerides, alongside strict adherence to pregnancy prevention protocols. Ultimately, the episode reinforces that while isotretinoin prescribing has modernized in certain respects, many core principles remain unchanged. Thoughtful dosing, attention to absorption, and individualized management are essential to optimizing long-term outcomes. Tune in to the episode to revisit the clinical foundations of isotretinoin, refine your approach to dosing and duration, and learn practical strategies for improving treatment consistency and long-term acne clearance.

Shoot us a Text.Episode #1348: Today we cover Tesla raising Model Y prices for the first time in years, lenders diving deeper into subprime auto financing, and why automotive advertising is quietly losing market share.Show Notes with links:Tesla just bumped prices on several higher-trim Model Y variants for the first time in two years, signaling confidence that EV demand may be heating back up. Meanwhile, Wall Street is still trying to decide if the stock is charging ahead or stuck in traffic.Tesla raised prices by $1,000 on the Model Y Premium RWD and AWD trims, while the Performance trim climbed by $500.Entry-level Model Y versions remain unchanged, suggesting Tesla is protecting affordability while testing premium demand elasticity.Analysts point to rising gas prices and battery material costs as possible drivers behind the move.Despite the pricing confidence, TSLA stock slid over 4% Friday and dipped again Monday as investors weigh slowing momentum and new technical buy points.Auto lenders are diving deeper into subprime financing as affordability pressures push buyers back into the market and lenders get more aggressive chasing deals. The result? More approvals, higher payments, and longer loan terms.Subprime and deep subprime borrowers made up 15.4% of all auto loans and leases in Q4, the highest share since 2021.Average interest rates are eye-popping: 13.2% for subprime new-car loans and nearly 22% for deep subprime used-car loans.Dealers say lenders are “digging a little deeper” rather than dramatically lowering standards, helped by better data and digital document verification.Experian's Melinda Zabritski summed it up saying, “As affordability remains top of mind, both lenders and consumers are adapting.”For decades, automotive advertising practically was the ad industry. But now, shrinking OEM budgets, EV uncertainty, and Tesla-style marketing strategies are changing the game and auto's share of ad spend is slipping below a historic benchmark.Automotive advertising is projected to fall below 10% of total ad category spend for the first time ever tracked by Guideline.The category shrank roughly 7% in 2025, with spending pressure continuing into 2026.Analysts point to weaker EV momentum and automakers scaling back electric initiatives as major contributors.Newer brands are ditching traditional “big splash” campaigns in favor of leaner marketing approaches, following Tesla's no-advertising playbook.Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast  as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

This episode draws on experimental and review literature on mirror-gazing, strange-face illusions, anomalous self-experience, dissociation, agency, face pareidolia, and face-distortion disorders, especially the work of Giovanni B. Caputo, Caputo/Lynn/Houran, Mash et al., Bregman-Hai and Soffer-Dudek, Derome et al., Palmer and Clifford, and Blom et al. Historical and occult context comes from research on catoptromancy, John Dee's angelic scrying records, the British Museum's “Dr Dee's Magical Mirror,” Campbell et al.'s Antiquity study on the mirror's Mexican/Aztec obsidian origin, and Mesoamerican material on Tezcatlipoca and the “Smoking Mirror.”Links For The Occult Rejectshttps://linktr.ee/theoccultrejectsOccult Research Institutehttps://www.occultresearchinstitute.org/Cash Apphttps://cash.app/$theoccultrejectsVenmo@TheOccultRejectsBuy Me A Coffeebuymeacoffee.com/TheOccultRejectsPatreonhttps://www.patreon.com/TheOccultRejectsCore Scientific Sources: Mirror-Gazing, Strange Faces, and Altered Self-ExperienceCaputo, Giovanni B. “Strange-Face-in-the-Mirror Illusion.” Perception 39, no. 7, 2010, 1007–1008.Key use: This is the main science anchor for the episode. Caputo showed that prolonged mirror-gazing under low illumination can produce strange-face apparitions, including distortions, unknown faces, monstrous faces, animal-like faces, archetypal faces, and faces of relatives or deceased people.Caputo, Giovanni B., Steven Jay Lynn, and James Houran. “Mirror- and Eye-Gazing: An Integrative Review of Induced Altered and Anomalous Experiences.” Imagination, Cognition and Personality 40, no. 4, 2021, 418–457.Key use: This is one of the strongest overview sources. It reviews empirical studies on mirror-gazing, psychomanteum work, and eye-to-eye gazing, especially in relation to altered perception, anomalous experiences, bodily experience, and self-identity.Mash, Joanna, Paul M. Jenkinson, Charlotte E. Dean, and Keith R. Laws. “Strange Face Illusions: A Systematic Review and Quality Analysis.” Consciousness and Cognition 109, 2023, article 103480.Key use: Newer review source. Useful because it supports strange-face illusions as a reliable phenomenon in both mirror-gazing and interpersonal gazing, while also warning that stronger research is still needed on mechanisms and prevalence.Bregman-Hai, Noa, and Nirit Soffer-Dudek. “Mirror-Gazing-Induced Dissociation Impairs Self-Reported and Implicit Sense of Agency: A Causal Investigation of Dissociation and Agency Under Controlled Laboratory Conditions.” PLOS ONE 21, no. 2, 2026, e0341316.Key use: Excellent source for the agency section. This connects mirror-gazing-induced dissociation with weakened sense of agency, which pairs well with mediumship, possession, automatic writing, and the feeling that “something else” is present.Derome, Mélodie, Eduardo Fonseca-Pedrero, Giovanni Battista Caputo, and Martin Debbané. “A Developmental Study of Mirror-Gazing-Induced Anomalous Self-Experiences and Self-Reported Schizotypy from 7 to 28 Years of Age.” Psychopathology 55, no. 1, 2022, 49–61.Key use: Useful developmental source. It connects mirror-gazing-induced anomalous self-experiences with age, self-perception, and schizotypal traits.Caputo, Giovanni B. “Visual Perception During Mirror-Gazing at One's Own Face in Patients with Depression.” The Scientific World Journal, 2014.Key use: Useful for the emotion/self-face relationship section. Caputo found that strange-face apparitions were reduced in patients with depression compared with healthy controls, including shorter duration, fewer strange faces, weaker intensity, and lower emotional response.Tramacere, Antonella. “Face Yourself: The Social Neuroscience of Mirror Gazing.” Frontiers in Psychology 13, 2022, article 949211.Key use: Strong support for the idea that mirror-gazing is like seeing yourself as another. It connects self-face perception with social neuroscience and the overlap between how we perceive our own face and the faces of others.Chakraborty, Anya C., and Bhismadev Chakrabarti. “Looking at My Own Face: Visual Processing Strategies in Self–Other Face Recognition.” Frontiers in Psychology 9, 2018.Key use: Useful for the self-face recognition section. This study looks at how people process their own face compared with other faces.Conty, Laurence, Nathalie George, and Jari K. Hietanen. “Watching Eyes Effects: When Others Meet the Self.” Consciousness and Cognition 45, 2016, 184–197.Key use: Best support for the gaze/presence section. It argues that direct gaze captures attention and triggers self-referential processing, which helps explain why a mirror can make the viewer feel watched.Face Perception, Pareidolia, and Monstrous DistortionPalmer, Colin J., and Colin W. G. Clifford. “Face Pareidolia Recruits Mechanisms for Detecting Human Social Attention.” Psychological Science 31, no. 8, 2020, 1001–1012.Key use: Best source for the “face-making brain” section. It supports the idea that illusory faces are not treated as meaningless noise; they can recruit mechanisms involved in social attention.Blom, Jan Dirk, Bastiaan C. ter Meulen, Jitze Dool, and Dominic H. ffytche. “A Century of Prosopometamorphopsia Studies.” Cortex 139, 2021, 298–308.Key use: Use carefully as a comparison source, not as a direct explanation for all scrying. Prosopometamorphopsia is a rare condition where faces appear distorted, showing that face-processing systems can produce frightening facial distortions under certain conditions.Psychomanteum, Grief, and Seeing the DeadHastings, Arthur, Michael Hutton, William Braud, et al. “Psychomanteum Research: Experiences and Effects on Bereavement.” OMEGA: Journal of Death and Dying 45, no. 3, 2002, 211–228.Key use: Main grief / dead-in-the-mirror source. Use carefully. It does not prove afterlife contact, but it supports the idea that mirror-gazing, darkness, memory, and grief can produce powerful experiences interpreted as contact.Moody, Raymond A. Reunions: Visionary Encounters with Departed Loved Ones. New York: Villard, 1993.Key use: Main modern popular source for the psychomanteum as a grief-contact chamber. Use as practitioner/popular context, not as the strongest academic evidence.Terhune, Devin B., and Matthew D. Smith. “The Induction of Anomalous Experiences in a Mirror-Gazing Facility: Suggestion, Cognitive Perceptual Personality Traits and Phenomenological State Effects.” The Journal of Nervous and Mental Disease 194, no. 6, 2006, 415–421.Key use: Good supporting source for anomalous experiences in a mirror-gazing facility. Pairs well with Hastings and the Caputo review.Kamp, K. S., Evgenia Steffen, Louis A. Kasket, and others. “Sensory and Quasi-Sensory Experiences of the Deceased in Bereavement: An Interdisciplinary and Integrative Review.” Schizophrenia Bulletin 46, no. 6, 2020, 1367–1381.Key use: Strong source for the grief section. It supports the point that bereaved people often report sensory or quasi-sensory experiences of the deceased, including feeling a presence, seeing, hearing, smelling, or sensing the dead.Hewson, Helen, and colleagues. “The Impact of Continuing Bonds Following Bereavement: A Systematic Review.” Death Studies, 2024.Key use: Useful for continuing bonds. It helps frame ongoing inner relationships with the dead as part of bereavement rather than automatically pathological.Historical, Religious, and Occult Mirror DivinationJohnston, Sarah Iles. Ancient Greek Divination. Wiley-Blackwell, 2008.Key use: Broad academic background for ancient divination systems. Not only mirror scrying, but very useful for framing divination as a serious religious and cultural practice.“Technical Divination and Mechanics of Sacred Space.” In Technologies of the Marvellous in Ancient Greek Religion. Cambridge University Press.Key use: Useful for ancient catoptromancy. This chapter discusses mirror divination as a technical mode of ancient divination involving reflective/catoptric knowledge and assumptions about divine intervention in human knowledge.Lee, Mireille M. “The Gendered Economics of Greek Bronze Mirrors.” Hesperia 86, no. 1, 2017.Key use: Useful for Greek bronze mirrors as social, gendered, material, and possibly magical/divinatory objects.Pitt Rivers Museum. “Mirrors.” Body Arts Collection Resource.Key use: Good museum-level source for folklore around mirrors and catoptromancy. Useful for basic show-note support on the traditional belief that mirrors could reveal the future.John Dee, Black Mirrors, and ObsidianBritish Museum. “Dr Dee's Magical Mirror / Dr Dee's Magical Speculum.” Collection object 1966,1001.1.Key use: Essential object source. The British Museum identifies the object as Dr. Dee's magical mirror or magical speculum, made of obsidian, catalogued as Aztec, and broadly dated to the 14th–16th century.Campbell, Stuart, Elizabeth Healey, Jago Cooper, Naomi Speakman, and others. “The Mirror, the Magus and More: Reflections on John Dee's Obsidian Mirror.” Antiquity 95, 2021.Key use: Essential academic source for Dee's mirror. The study uses geochemical analysis to show that the British Museum obsidian mirrors are Mexican in origin, with Dee's mirror matching the Pachuca obsidian source.Nature. “A ‘Spirit Mirror' Used in Elizabeth I's Court Had Aztec Roots.” 2021.Key use: Short science-news summary of the Antiquity findings. Useful for quickly explaining that Dee's mirror was traced to a source near Pachuca, Mexico.Smithsonian Magazine. “Obsidian ‘Spirit Mirror' Used by Elizabeth I's Court Astrologer Has Aztec Origins.” 2021.Key use: Useful public-facing summary of Dee's mirror, its Aztec/Mexican origin, and its connection to Elizabethan occult culture.Dee, John, and Meric Casaubon, ed. A True & Faithful Relation of What Passed for Many YeaAlso want to remind people about the website, if you're into reading we have tons of information by multiple contributors, and we got t-shirts up on the site if you're interested. Fun fact, the art is all based on the eyeball. A

In this episode, we break down one of the most practical risk management tools for active traders and swing traders: partial profit taking and raising stop losses as a trade moves in your favor. Whether you trade stocks, options, or swing positions, learning how to scale out of winning trades can dramatically improve your overall profitability and reduce emotional stress.What partial profit taking is and why scaling out in 1/3, 1/3, 1/3 can be a powerful risk management strategy for swing trading and position trading.How taking profits along the way locks in gains and increases the probabilities that your overall trade closes profitably, even if the stock pulls back to or below your original entry.How to move stop losses up as price advances, using tools like the 5-day moving average, recent swing lows, and logical technical levels to protect capital and prevent winning trades from turning into losers.How to structure trades around earnings dates, including when to let the last portion of a position ride and when to step aside.This episode doesn't stay theoretical—you'll hear detailed walk-throughs of three recent swing trades and how partial profit taking affected the final results:NUE (Nucor)Entry at 228.50 and first profit target hit at 232.77 for a 2% gain on the first third.Why taking 1/3 off reduced risk when the stock failed to show strong follow-through.How this structure may lead to closing the final 2/3 near breakeven while still booking an overall gain on the trade.ASXEntry at 33.81, first 1/3 sold at 35.23 for about a 4.1% gain.How raising the stop loss to 34.74, just under the 5-day moving average, protected profits on the remaining 2/3.Why the trade still closed profitably overall, even though price fell back to the original entry and finished below it—showcasing how partial profit taking prevents profits from “melting away.”NVDA (NVIDIA)Entry at 213.56, with 1/3 taken off at 226.22 for roughly 5.6% and another 1/3 at 234.97 for about 9.2%.How scaling out turned the last 1/3 into a “house money” position, managed into the May 20 earnings date with a stop around 216.How this approach combines trend-following with disciplined risk management, allowing participation in upside while protecting downside.Swing traders looking to smooth their equity curve and avoid giving back gains.Newer traders learning how to set and adjust stop losses rather than trading without a plan.Active investors who enter around technical setups but struggle with when to take profits and how much to sell.Anyone tired of watching winning positions turn into breakeven trades—or worse, losers.Partial profit taking is a core risk management and trade management technique, not just a way to “grab a quick win.”Scaling out in thirds (1/3, 1/3, final 1/3) helps you:Lock in early profits.Reduce position size as uncertainty increases.Keep a piece of the trade open in case of a continued trend.Raising stops as price advances—especially under logical technical levels like the 5-day moving average—helps protect gains and keeps you from round-tripping trades.You don't need to call the exact top; you need a repeatable process that keeps more of your winners and controls your losses over many trades.If you've ever watched a green trade slip back to zero or red and thought, “I should have taken something,” this episode gives you a concrete, rules-based framework to prevent that from happening again.What part of your current exit strategy do you feel needs the most work: taking profits too late, not taking enough profits, or not moving your stop losses up as the trade moves in your favor?Interested in joining the DTA Community? Check out the community at https://www.patreon.com/cw/thedisciplinedtraderacademy

In this week's episode,we find out a little more information about the future of Playstation 6,Nintendo will be offering bundles again,more rumors have come out about what Capcom game is getting a Remake next and Shift Up are leveling up. Be sure to call in at 667-284-9057 or Email us at theanalogcirclepodcast@gmail.com 

In this episode of the Revitalize and Replant podcast, Mark Clifton, Mark Hallock, and Dan Hurst discuss practical ways that pastors and church leaders can foster unity between longtime church members and newer attendees throughout seasons of church revitalization and replanting. They share two foundational strategies for creating a healthier, more unified church culture: Build spiritual unity through Christ-centered worship. Build relational unity through fellowship, serving together, and walking through hardships together. This conversation offers encouragement for pastors leading churches through transition, revitalization, and membership changes while seeking to maintain gospel-centered unity.

In this episode of the Revitalize and Replant podcast, Mark Clifton, Mark Hallock, and Dan Hurst discuss practical ways that pastors and church leaders can foster unity between longtime church members and newer attendees throughout seasons of church revitalization and replanting. They share two foundational strategies for creating a healthier, more unified church culture: Build spiritual unity through Christ-centered worship.  Build relational unity through fellowship, serving together, and walking through hardships together.  This conversation offers encouragement for pastors leading churches through transition, revitalization, and membership changes while seeking to maintain gospel-centered unity. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The US Government finally disclosed files on UFOs / UAPs, sort of. Much of what was released included black dots, witnesses to balloons and kites, bright lights seen in the sky, and stories so old they are part of both pop culture and UFO-mythology, including incursions over nuclear-related facilities such as national labs. Newer records released somehow are even less credible than those from the 1940s, the latter of which have already been public knowledge. These include “ghost rockets” and “foo fighters.” The same is true for Apollo reports of strange phenomena. So what was this “disclosure” all about? Could it simply be a distraction? Could it be that the real “evidence” will be presented in Disclosure Day when it is released as a fictional film?  Furthermore, there are some real core issues here that need addressing: UFOs are NOT proof of aliens or inter-dimensionsals, nor are they evidence of fallen angels, nephilim, demons, etc.  When has the government ever instructed the public to make their own decisions, especially about controversial subjects like UFOs — wouldn't this lead to grandiose fantasies being reinforced by an official stamp? … Could it be a rewriting of UFO history in preparation to disclose that there actually is an explanation for what was released — this is exactly what the intelligence community (CIA) and military suggested doing in the 1950s (Robertson Panel Report). In other words, are these files nothing more than a 75 year old policy being reinforced? The real conspiracy appears to be, then, that the government has no idea what these things are but were worried the public would figure it out before they could, and before they could exploit it for their own purposes. Why would ancient aliens use propulsion systems and space suits recognizable only to modern man and his inventions? Wouldn't they be far more advanced? Or could it be that the subject changes with technology and understanding of the natural world? Project Blue Beam was NOT a government plan to hoax an alien invasion; it was a theory proposed by a Canadian journalist inspired by science fiction; it was based on staging the second coming of a Messiah. *The is the FREE archive, which includes advertisements. If you want an ad-free experience, you can subscribe below underneath the show description.

The State of Hormone & Peptide Industry with Phil Vela Disrupting the health & wellness industry. (2:15) "It's that hard to do IT, so it's that easy to succeed once you've done IT." (2:48) What he did before he started Vita Bella, and the origins of the company. (5:00) The most applicable skills gained from his previous career. (7:41) Calling out the 'Grey Market' and its competition. (9:44) The state of the peptide industry and the fallout with Transcend. (15:54) Results & service. (25:23) Breaking down the Vita Bella membership package. (30:07) Businessman at heart. (33:34) Why he believes it should be illegal to prescribe GLP-1s by themselves. (35:13) Bad actors giving bad guidance. (43:33) His outlook for the future of the industry. (45:14) Will Ozempic and Tirzepatide ultimately bankrupt the United States? (53:27) The importance and value of having a trainer while on a GLP-1. (56:47) "I didn't build this business for money. I built it for a legacy!" (59:07) "Newer" peptides that have been impressed by. (1:03:16) Rapid fire: The best peptide for… (1:11:56) Related Links/Products Mentioned Visit Vita Bella for an exclusive offer for Mind Pump listeners! ** The first 50 signups will get a Vita Bella welcome box. You can finally achieve a top 1% all-around health at an affordable price! ** Get 20% off Kion at getkion.com/mindpump ** No code needed automatically applied at check out! ** MAPS Great 8 Launch - (Retail $127, Code: LAUNCH for 50% off!) ** Launch bonus include: MAPS GREAT 8 Nutrition Guide. ** Visit: http://mapsgreat8.com/  Mind Pump Store Mind Pump Hormones Facebook Private Forum GLP-1 Litigation: Compounder Sues Eli Lilly, Novo Nordisk Mind Pump #2597: Before You Take Ozempic, Wegovy, or Mounjaro Listen to This! Federal Court Tosses Lilly's Suit Against Strive Pharmacy: Jurisdiction Still Matters Mind Pump #2125: Heal Like Wolverine: BPC 157 with Dr. William Seeds Mind Pump Podcast – YouTube Mind Pump Free Resources Featured Guest/People Mentioned Phil Vella – "Philly" (@phillyvz) Instagram Jay Campbell (@jaycampbell333) Instagram Rick Niemi (@gods.economy) Instagram Dr. William Seeds (@williamseedsmd) Instagram Peter Attia, M.D. (@peterattiamd) Instagram    

When high earners ramp up their spending while low earners pull back, that's a symptom of a "k-shaped" economy. But what about middle-income households? New evidence shows the middle class is also struggling in comparison to the wealthiest Americans. It's sort of like a K shape within a K shape. After that: Newer firms are more likely to offer work-from-home options, Opera America has financial reasons for splitting from The Kennedy Center, and we check in with a few small businesses ahead of an upcoming inflation report.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.