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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

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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

ALL Newer Soca and PowerSoca in this show with : G.E.O., Prezzi, Saddis, Shanny D, Stamina Smurf, Elle, Banco, Trevon Vibez, Mole De Chief, Nikita, Red The Artist, Motto, Dj Fire, Strypzz, French Man, Shakira and Burna Boy, Dj Spider, Lyrikal, Hypersounds, Marzville, Scrilla, Cassi, Coopa Dan, Dj Savage, Grateful Co, Keerah, Rishaun G, Nikmam, Shyy Boogz, D Truckman, Kilogram, Ozarie, Party Dawg, XI0, Chrissy D, Rehab, Denishaa, AJ, Sheba Royal, Stabby, Fari, King Switch, Skinny Fabulous, Wetty Beatz, Kandi Sharwa, Madskull, Lavaman.

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.

The Ultimate Guide for Americans Moving to Spain: Visas, Taxes, and Cross-Border Financial Planning By AIO Financial — Fee-Only Fiduciary Financial Planners Spain has quietly become one of the most popular destinations for Americans relocating abroad. The lifestyle is compelling — long lunches, walkable cities, world-class healthcare, sunshine, and a cost of living that, in many regions, runs 20–30% below comparable U.S. cities. But behind that lifestyle is a tax and regulatory system that can blindside Americans who move without proper planning. We work with U.S. expats every week at AIO Financial, and the same patterns keep showing up. People sell investments at exactly the wrong moment. They convert Roth IRAs and trigger Spanish tax bills they didn’t know existed. They open European brokerage accounts and accidentally buy PFICs. They miss the six-month window for the Beckham Law and lose six figures of potential tax savings. None of this is necessary. Almost every cross-border financial mistake we see is preventable with planning that starts twelve to eighteen months before the move — not after the boxes are unpacked in Valencia. This guide walks through what we believe every American family should understand before moving to Spain: the visa landscape after the Golden Visa was eliminated, how Spain actually taxes Americans (including the surprising treatment of Roth IRAs), what to do with your investments before you become a Spanish tax resident, and how to think about banking, currency, and cash transfers across borders. None of this is legal or tax advice for your specific situation, but it should give you a real working framework before you sit down with a cross-border specialist. Why Americans Are Moving to Spain Right Now The reasons people give us are remarkably consistent. They want better work-life balance. They want their kids to grow up bilingual. They’ve watched U.S. healthcare costs spiral and want a system that just works. They’re approaching retirement and the math on living in coastal Spain versus coastal Florida is hard to argue with. A few are motivated by political concerns; many simply want to live somewhere that feels less hurried. What makes Spain particularly attractive compared to other European destinations is the combination of a well-functioning Digital Nomad Visa, a meaningful (if imperfect) tax treaty with the United States, and a cost-of-living advantage that still holds up despite recent inflation. A single person can live comfortably in mid-sized Spanish cities like Valencia, Granada, or Málaga on roughly €1,600–€1,900 per month. Madrid and Barcelona cost more, but still less than San Francisco, Boston, or Seattle. The catch — and this is the part most relocation guides skip — is that Spain has a wealth tax, taxes worldwide income for residents, does not respect the U.S. tax-free status of Roth IRAs, and uses a fiscal-year structure that can leave new arrivals exposed to a full calendar year of Spanish taxation if they cross the 183-day threshold without realizing it. Done well, moving to Spain can be one of the best financial and lifestyle decisions a family makes. Done poorly, it can be a multi-year tax mess. Visa Pathways: What’s Available in 2026 Before any tax planning matters, you need legal residency. Spain offers several pathways for non-EU citizens, and the right one depends on whether you’re working, retired, or have substantial passive income. The Digital Nomad Visa (DNV) The Digital Nomad Visa, introduced under Spain’s 2023 Startup Act, has become the most popular route for working-age Americans. It allows non-EU remote workers — both employees of foreign companies and self-employed freelancers — to live legally in Spain while working for non-Spanish employers or clients. As of 2026, the income threshold is set at 200% of Spain’s Minimum Interprofessional Salary, which works out to approximately €2,850 per month, or roughly €34,200 per year. Most Spanish consulates recommend showing at least €3,000 monthly to account for currency fluctuations. If you’re applying with family, the income requirement increases. You’ll need to demonstrate an additional 75% of the SMI (about €1,035 per month) for your first dependent — typically a spouse — and 25% for each additional family member. A family of four moving together generally needs to show somewhere around €4,400 per month in qualifying income. The DNV initially issues a residence authorization valid for up to three years if applied for from within Spain, or a one-year visa if applied for through a Spanish consulate abroad. It can be renewed for additional periods, allowing total stays of up to five years, after which permanent residency becomes available. Citizenship is generally available after ten years of legal residency for U.S. nationals (two years for citizens of Latin American countries, the Philippines, Andorra, and a handful of others). Other key requirements include having worked with your current employer or clients for at least three months before applying, holding either a relevant university degree or three years of professional experience in your field, working for a company that has been in operation for at least one year, and earning no more than 20% of your income from Spanish sources. The application process typically takes four to five months. One important wrinkle for Americans: the U.S.–Spain Totalization Agreement does not currently cover remote work in the way that some other bilateral agreements do, so the U.S. Social Security Administration rarely issues Certificates of Coverage for DNV applicants. Most U.S. W-2 employees need to either get their employer to set up a Spanish “shadow payroll” arrangement, switch to 1099 contractor status and register as an autónomo (self-employed) in Spain, or accept that they’ll be paying into the Spanish social security system. This is a frequent friction point and is best resolved before the move, not after. The Non-Lucrative Visa (NLV) The Non-Lucrative Visa is the traditional retiree route — and increasingly used by Americans of any age with sufficient passive income. It explicitly does not permit working in Spain or remotely for any employer, which is its main limitation. As of 2026, applicants need to show approximately €2,400 per month (around €28,800 per year) in passive income or savings, with additional financial requirements for dependents. For genuinely retired Americans drawing Social Security, pension income, or living off investment portfolios, this is often the cleanest path. It comes with one substantial caveat that we’ll return to in the tax section: NLV holders are not eligible for the Beckham Law, so they pay full progressive Spanish tax rates on worldwide income from day one. The Golden Visa Is Gone If you’ve been planning around Spain’s Golden Visa — the residency-by-investment program that previously offered residency in exchange for a €500,000 real estate investment — that program ended in April 2025 as part of housing market reforms. New applications are no longer accepted. Existing Golden Visa holders retain their residency, but anyone considering this route now needs to look at alternative visas, or alternative countries (Portugal and Greece still operate similar programs, though Portugal’s no longer accepts real estate). The Highly Qualified Professional Visa For Americans being recruited by Spanish companies for skilled positions, the Highly Qualified Professional (HQP) Visa provides a path tied to a specific job offer. It’s typically valid for two years and renewable, and it qualifies the holder for the Beckham Law tax regime. This is less common for traditional relocation but matters for executives and engineers being hired into Spanish operations. Choosing Among Them In practice, most Americans we work with end up on either the DNV (if working remotely) or the NLV (if retired or financially independent). The choice has significant tax implications down the line, particularly around eligibility for the Beckham Law, which we’ll cover next. The Spanish Tax System: What Americans Actually Pay This is where most pre-move planning gets serious. Spain taxes its tax residents on worldwide income — meaning your U.S. dividends, your rental income from a property in Texas, your capital gains from selling Apple stock, all of it can be subject to Spanish tax. The U.S.–Spain tax treaty and the Foreign Tax Credit prevent most cases of literal double taxation, but the interaction between the two systems creates real planning challenges. When You Become a Tax Resident Spain considers you a tax resident if any one of three things is true: you spend more than 183 days in Spain during a calendar year, your “center of economic interests” is in Spain (meaning your primary income or main assets are there), or your spouse and minor children habitually live in Spain (a rebuttable presumption). The 183-day rule is the most common trigger, and importantly, sporadic absences count toward the total unless you can prove tax residency in another country. This matters because Spanish tax residency is binary and applies to the full calendar year. If you arrive in Spain on July 1 and stay through year-end, you’ve spent 184 days there and you’re a tax resident for the entire year — including January through June, when you were still living in the U.S. Smart timing of the move can save substantial tax. We often recommend arriving after July 2 in a given year, which keeps you under the 183-day threshold for that year and pushes Spanish tax residency to year two. Income Tax Brackets Spanish income tax (IRPF) is progressive and combines a national portion with a regional portion that varies by autonomous community. For 2026, the combined general rates run roughly: Up to €12,450: about 19% €12,451 to €20,200: about 24% €20,201 to €35,200: about 30% €35,201 to €60,000: about 37% €60,001 to €300,000: about 45% Over €300,000: about 47% Investment income — dividends, interest, capital gains, and rental income from investments — is taxed on a separate “savings” schedule: Up to €6,000: 19% €6,001 to €50,000: 21% €50,001 to €200,000: 23% €200,001 to €300,000: 27% Over €300,000: 30% For most American expats earning between €40,000 and €80,000 per year, the effective Spanish tax rate is about 25–33%, which is comparable to or slightly lower than combined U.S. federal and state taxes for the same income. The pain points aren’t usually the standard rates — they’re the wealth tax, the lack of Roth recognition, and Modelo 720 reporting. The Beckham Law: A Major Opportunity Spain’s “Beckham Law” — named for the soccer player who was its early high-profile beneficiary — allows qualifying newcomers to be taxed as non-residents for up to six years, despite physically living in Spain. Under this regime, you pay a flat 24% on Spanish-source employment income up to €600,000 per year (47% on amounts above that), and your foreign income is generally exempt from Spanish taxation. For an American earning €100,000 per year on a Digital Nomad Visa with an employment contract, the Beckham Law saves roughly €10,000 annually compared to standard progressive rates — and the savings grow rapidly at higher income levels. For someone earning €250,000, the savings can exceed €40,000 per year. The Beckham Law has strict requirements. You generally must not have been a Spanish tax resident in the previous five years, you must move to Spain because of an employment contract or to take on a directorship, and — critically — you must elect into the regime within six months of registering with Spanish Social Security. Miss that six-month window and you cannot opt in later. We’ve seen this mistake destroy tens of thousands of euros of potential tax savings. The regime is available to W-2 employees and DNV holders with employment contracts. It is not available to self-employed autónomos in most circumstances, nor to Non-Lucrative Visa holders. This is why your visa choice has such significant tax implications. The Wealth Tax This is the tax that most surprises Americans. Spain’s wealth tax (Impuesto sobre el Patrimonio) is an annual levy on net worth as of December 31 each year. Spanish tax residents pay on their worldwide assets; non-residents only pay on Spanish-located assets. The structure includes a national tax-free allowance of €700,000 per person (which means €1.4 million for a married couple holding assets jointly), plus an additional €300,000 exemption for your primary residence in Spain. Above those thresholds, rates run progressively from 0.2% to 3.5%, depending on total assets and the autonomous community where you reside. Regional variation matters enormously here. Madrid and Andalucía effectively eliminate the wealth tax through 100% regional bonifications, though the national-level Solidarity Tax on Large Fortunes still applies above €3 million in those regions. Catalonia, by contrast, applies the tax in full. If wealth tax exposure is a serious concern for your situation, the autonomous community you choose to live in becomes a meaningful planning variable. There’s also a Solidarity Tax on Large Fortunes, introduced in 2023, that applies to net wealth above €3 million and adds an additional 1.7% to 3.5% on assets above that threshold. It coordinates with regional wealth tax relief to provide a national floor, so even residents of Madrid pay it on assets above €3 million. Roth IRAs in Spain: A Critical Issue Here is one of the most important things for Americans to understand before moving: Spain does not respect the tax-free status of Roth IRAs. Under U.S. law, qualified Roth IRA distributions are entirely tax-free, since contributions were made with after-tax dollars. Spain doesn’t see it that way. The Spanish tax authority (Hacienda) classifies Roth IRA distributions as investment income — specifically, as income from movable capital — and taxes them at savings rates. The taxable portion is generally the gain (the increase in value over your contributions), not the entire distribution, but this still represents a substantial loss of the Roth’s core benefit. A 2022 binding consultation (V1291-22) clarified this treatment, and the same ruling generally requires Roth IRAs to be reported on Modelo 720 and included in wealth tax calculations. The strategic implications are significant. If you have a large Roth IRA and you’re moving to Spain, you may want to consider taking distributions before establishing Spanish tax residency, while distributions are still tax-free in both countries. After becoming a tax resident, every Roth IRA distribution will likely face Spanish tax on the embedded gains. The same applies to any Roth conversions you might be considering — generally you want these completed before the move, not after. Traditional 401(k) and IRA distributions are treated more conventionally as pension or general income in Spain, and they’re taxable in both countries with foreign tax credits relieving most of the double taxation. The U.S.–Spain treaty was updated by a protocol that entered into force in November 2019, and it improves the treatment of cross-border pensions in several ways, though it does not solve the Roth issue. Capital Gains and Investment Income For Spanish tax residents, capital gains on the sale of most U.S. securities (like stocks held in a brokerage account) are taxable in Spain at savings rates of 19% to 30%. Under the U.S.–Spain treaty, gains on the sale of shares are generally taxed only in the country of residence, with limited exceptions for real estate and substantial shareholdings, so the planning here is relatively clean: if you sell while a U.S. resident, you owe U.S. tax; if you sell while a Spanish resident, you owe Spanish tax. This creates a major pre-move planning opportunity. If you have substantial unrealized gains in your taxable investment accounts, the year before your move is a powerful window. You can harvest gains at U.S. long-term capital gains rates — which top out at 23.8% including the Net Investment Income Tax — rather than at Spanish savings tax rates that run as high as 30% above €300,000 in gains. For a portfolio with $500,000 in unrealized long-term gains, the difference can be tens of thousands of dollars. This is one of the most common planning moves we recommend for clients moving to Spain with appreciated portfolios. The strategy isn’t always to harvest. If you’re moving to a non-Beckham regime and your overall income will push you into Spain’s higher capital gains brackets later, harvesting now may be valuable. If you have low income in Spain and modest gains, the Spanish tax may actually be lower than your U.S. rate. The right answer depends on your specific numbers — which is exactly the kind of cross-border modeling a fee-only planner is well-positioned to do without bias. The Foreign Earned Income Exclusion and Foreign Tax Credit U.S. citizens are taxed on worldwide income regardless of where they live, so you’ll continue filing U.S. returns from Spain. Two main mechanisms prevent literal double taxation. The Foreign Earned Income Exclusion (FEIE), claimed on Form 2555, allows you to exclude up to $130,000 of foreign earned income from U.S. taxation for the 2025 tax year (the limit adjusts for inflation each year). Qualifying requires either the bona fide residence test or the physical presence test (330 full days outside the U.S. in any 12-month period). Importantly, the FEIE only covers earned income — wages and self-employment income — not investment income. The Foreign Tax Credit (FTC), claimed on Form 1116, gives you a dollar-for-dollar credit against U.S. taxes for income taxes paid to Spain. Because Spanish rates often exceed U.S. rates at higher income levels, most expats earning above the FEIE threshold find the FTC works better. Excess credits can be carried back one year and forward ten years. The choice between FEIE and FTC has secondary effects worth understanding. The FEIE can disqualify you from making Roth IRA contributions if it pushes your taxable U.S. income low enough. The FTC preserves earned income for IRA contribution purposes. For families with college-age children, the FEIE can also affect the calculation of education credits. Reporting Obligations: Modelo 720 and FBAR Spanish tax residents must file Modelo 720 each year, declaring foreign accounts, securities, and real estate that exceed €50,000 in any of three categories. The form is informational, not a tax return, but penalties for non-filing have historically been severe (though the European Court of Justice forced Spain to substantially soften them in 2022). The filing window is January 1 through March 31 each year for the prior year’s data. On the U.S. side, you’ll continue to file: FBAR (FinCEN Form 114): required when total foreign accounts exceed $10,000 at any point during the year. Form 8938 (FATCA): required when foreign financial assets exceed $200,000 at year-end or $300,000 at any point during the year for single filers living abroad ($400,000/$600,000 for married filing jointly). Form 8621: required for any PFIC holdings — more on this below. Form 8833: to disclose treaty positions. The reporting load is real but manageable with the right preparer. What gets people in trouble isn’t usually the difficulty of any single form — it’s not knowing the forms exist. Investments: What to Do Before You Become a Spanish Tax Resident This is the single most consequential financial planning area for Americans moving to Spain, and the area where pre-move action matters most. Once you’re a Spanish tax resident, your options narrow considerably. The window before that happens is when most of the high-leverage decisions get made. The Brokerage Account Problem A wave of U.S. brokerage firms — including Vanguard, Fidelity, Morgan Stanley, Merrill Lynch, Edward Jones, Ameriprise, TIAA, USAA, and others — have been restricting or closing accounts of U.S. citizens who update their address to a foreign country. The pace accelerated sharply in 2024 and 2025 as firms tightened compliance with anti-money-laundering and FATCA-related requirements. Some firms close accounts outright; others restrict trading to liquidating positions only; some allow continued holdings but block new purchases. The practical implications for someone planning to move to Spain are: Don’t update your address until you have a plan. Once your firm sees a Spanish address, you may have 30 to 60 days to make decisions under significant time pressure. Identify expat-friendly custodians in advance. Charles Schwab International and Interactive Brokers continue to serve U.S. expats in Spain with relatively few restrictions, and a handful of independent advisory firms maintain relationships with custodians who will hold accounts for U.S. citizens abroad — typically when those accounts are managed by the advisory firm rather than self-directed. Transfer assets in-kind, don’t liquidate. If you’re forced to move accounts, transferring securities directly between custodians avoids creating a tax event. Liquidating into cash can trigger massive unintended capital gains. We spend considerable time at AIO Financial helping clients structure their accounts to remain compliant and accessible from abroad. The best time to do this work is before the move. Why Local European Brokerages Are a Trap for Americans The natural instinct, once you’ve moved to Spain, is to open a Spanish or European brokerage account and invest locally. For non-Americans, this is fine. For U.S. citizens, it’s a tax catastrophe — because of the Passive Foreign Investment Company (PFIC) rules. Under U.S. tax law, virtually any non-U.S. pooled investment vehicle — every European mutual fund, every UCITS ETF, every European-domiciled index fund — is classified as a PFIC. The IRS designed PFIC rules to discourage Americans from investing in foreign funds that the IRS cannot easily audit, and the punishment is severe: PFICs are taxed at the highest ordinary income rates (currently up to 37%) on gains, with interest charges layered on top, and require an annual Form 8621 filing that can take a tax preparer several hours per fund to complete. There’s a Qualified Electing Fund (QEF) election that can avoid the worst of these rules, but it requires the foreign fund to provide an annual PFIC statement with very specific information. Almost no European fund managers produce these for retail investors, so QEF elections are theoretically available but practically impossible. The bottom line is straightforward: as a U.S. citizen living in Spain, you generally need to invest through a U.S. brokerage in U.S.-domiciled funds and ETFs. Buying European funds — even excellent, low-cost European index funds — turns a clean financial picture into a tax disaster. There’s a complicating wrinkle: EU MiFID II regulations restrict EU-resident investors from buying many U.S.-domiciled ETFs, because U.S. fund providers haven’t produced the EU-required Key Information Documents. Most U.S. expats in Europe end up holding individual stocks, ETFs purchased through expat-friendly U.S. brokerages, and pre-existing fund positions. Some use options strategies or structured workarounds. Working with a cross-border advisor who understands which products remain accessible matters here. Pre-Move Investment Moves to Consider Twelve to eighteen months before your move, the following are typically worth analyzing: Harvesting long-term capital gains. As discussed above, U.S. long-term gains rates often beat Spanish savings rates, and once you’re a Spanish resident, every sale potentially triggers Spanish tax. Strategically selling and rebuying appreciated positions in your final U.S. year can lock in U.S. tax treatment. Roth conversions. If you have meaningful traditional IRA balances and you’re not in a high U.S. tax bracket, completing Roth conversions before the move means the conversion is taxed at U.S. rates only. After the move, conversions get more complicated (and the resulting Roth doesn’t get U.S.-style tax-free treatment in Spain anyway). Roth distributions. For older clients with substantial Roth balances who plan to draw on them in retirement, taking distributions before becoming a Spanish tax resident captures the full Roth benefit. Once in Spain, the gain portion of every distribution is taxable. HSA decisions. Health Savings Accounts are not recognized by Spain. The income inside them is potentially taxable annually for Spanish tax residents. Some clients draw down HSAs before the move; others maintain them with the understanding that ongoing reporting and tax will apply. 529 plans. Similar issues. 529 plans aren’t recognized as tax-advantaged in Spain, and depending on the structure, may create ongoing Spanish tax liability. Drawing down 529s for U.S. educational use before the move, or restructuring them, is often part of the plan. Real estate decisions. Selling a U.S. primary residence before the move keeps the Section 121 exclusion ($250,000 single / $500,000 married) cleanly available under U.S. rules. Selling after the move adds Spanish tax considerations and can complicate the exclusion. Renting out the U.S. home while abroad creates ongoing reporting in both countries but can be the right answer for those who plan to return. Trust and estate review. U.S. revocable living trusts are not recognized as transparent in Spain — Spanish tax authorities may treat them as opaque foreign entities, which can create unexpected tax consequences. Estate plans drafted under U.S. assumptions often need substantial revision before a move. Should You Keep Investments in the U.S. or Move Them Abroad? For almost every American citizen moving to Spain, the answer is: keep your investments in the U.S. The combination of PFIC rules, EU MiFID II restrictions on U.S. ETFs, and the comparatively higher costs and lower transparency of European retail investing means that a U.S.-domiciled portfolio held at an expat-friendly U.S. brokerage is almost always the right structure. The exception is if you renounce U.S. citizenship — but that’s a separate, much larger conversation. What changes is what you hold and how you manage it. U.S.-domiciled ETFs and individual stocks remain the foundation. You may need to adjust around currency exposure (more on this below), tax-efficiency rules that differ between the two countries, and the loss of access to certain U.S. mutual funds that don’t allow non-resident purchases. Asset location — what you hold in Roth versus traditional versus taxable accounts — also looks different through a cross-border lens. Currency Considerations One question we get often: should you convert to euros once you move? The honest answer is “it depends on your time horizon and liabilities.” Most retirees and long-term residents in Spain end up with euro-denominated living expenses but dollar-denominated investments. Over time, this creates currency exposure: a 10% drop in the dollar means your investment portfolio buys 10% less in Spain. There are a few approaches we use with clients: Hold a euro cash reserve sufficient to cover 1–2 years of living expenses. This protects against short-term currency movements forcing investment sales at bad prices. Don’t try to time currency markets. Strategic currency hedging at the portfolio level is rarely worth the cost for individual investors. For larger portfolios, consider modest direct euro exposure through ETFs that hold European equities or international developed-market funds. Don’t overdo it — global diversification is good; concentrated currency bets are not. Moving Cash: How to Actually Get Money to Spain Getting funds across the Atlantic has gotten easier in recent years but still has friction points worth understanding. Wire Transfers vs. Money Service Providers Traditional bank wires from a U.S. bank to a Spanish bank work but are typically expensive — fees commonly run $25–$50 per outbound wire from the U.S. side, plus a poor exchange rate that often costs another 1–3% of the amount transferred. For a $100,000 transfer, that’s potentially $3,000+ in spread costs. Specialized providers like Wise (formerly TransferWise), OFX, and Revolut typically offer mid-market exchange rates with much lower fees, often under 0.5% all-in. For larger transfers, a foreign exchange broker can negotiate even better rates, sometimes with a forward contract that locks in the exchange rate for a specific future date — useful when you’re closing on a Spanish property and want to know exactly how many dollars the euro purchase price will cost. For most cross-Atlantic transfers under $250,000, Wise is the simplest and lowest-cost option. Above that, dedicated FX brokers start to make sense. Spanish Bank Accounts You’ll need a Spanish bank account for daily living. The traditional banks (CaixaBank, BBVA, Santander) all offer non-resident accounts you can open before establishing residency, though increasingly they want to see your NIE (Spanish foreigner identification number) or your visa. Newer digital banks like N26 and Revolut are popular with expats for their lower fees and English-language interfaces, though some Spanish landlords and employers still prefer traditional banks. A common approach: open a basic non-resident account at a major Spanish bank for housing transactions and government payments, plus a Wise multicurrency account for receiving USD income and converting to EUR efficiently. Reporting Large Transfers Both U.S. and Spanish authorities track large cross-border transfers. On the U.S. side, transfers over $10,000 are reported automatically by your bank to FinCEN. On the Spanish side, banks report incoming international transfers to the Banco de España and tax authorities. None of this is illegal or problematic — but if you’re moving $400,000 to buy a house in Valencia, expect both sides to know, and don’t structure transfers in ways that look like you’re trying to avoid reporting (which is itself a U.S. federal crime). Cash Buffer for the First Year We typically recommend clients have at least six months — preferably twelve months — of Spanish living expenses available in liquid form before the move, in addition to their long-term investment portfolio. The first year in Spain comes with surprise costs: temporary housing, deposits, immigration fees, legal and tax advisor fees, furniture, car purchases, healthcare deposits. Having a cash buffer means none of this requires selling investments at a bad time or running up debt at unfavorable rates. Healthcare, Insurance, and Social Security Spain has one of the better healthcare systems in the developed world, but accessing it as a new arrival requires planning. Most visa categories require private health insurance during the application process and typically through the first year of residency. Standard policies from companies like Adeslas, Sanitas, and Asisa run €60–€150 per month per person depending on age and coverage level. After establishing residency and (for those working in Spain) contributing to Spanish Social Security, you become eligible for the public system, which is generally excellent. For Americans on Medicare, Medicare does not cover care received in Spain. Some retirees maintain Medicare and pay the Part B premiums in case they return to the U.S.; others let it lapse. Reactivation comes with late-enrollment penalties, so this decision deserves careful thought before it’s made. U.S. Social Security retirement benefits continue to be paid to U.S. citizens living in Spain, and the U.S.–Spain Totalization Agreement helps prevent dual social security taxation for many work situations. Working in Spain also generates Spanish social security credits that may eventually qualify you for Spanish retirement benefits, though qualification typically requires fifteen or more years of contributions. Estate Planning Across Borders This is the area most often deferred — and most often regretted. U.S. estate plans drafted assuming U.S. residence rarely work cleanly in Spain. Spain has its own inheritance and gift tax (Impuesto sobre Sucesiones y Donaciones) that applies to Spanish residents and to inheritances of Spanish-located assets. National rates run from 7.65% to 34%, with multipliers based on the relationship between the deceased and the beneficiary. Autonomous communities have wide latitude to set their own rates and bonifications, so effective rates vary enormously: in Madrid, Andalucía, and several other regions, close family members pay almost nothing; in others, rates approach the national maximum. Spanish forced heirship rules also differ from U.S. rules. Spain reserves a legitimate portion of an estate for certain heirs (typically children), which can override testamentary wishes expressed in a U.S. will. EU Regulation 650/2012 allows you to elect U.S. (or your nationality’s) law to govern your succession, but this election generally must be made explicitly in your will and is not automatic. Revocable living trusts, the workhorse of U.S. estate planning, are not transparent in Spain. The Spanish tax authority may treat the trust as a separate opaque entity, which can create unexpected income tax during life and complicate inheritance treatment at death. Many cross-border families need to revise or replace their trust structure before the move. Practical recommendations: consult a Spanish abogado experienced in cross-border estate planning before the move. Have a Spanish will (separate from your U.S. will) covering Spanish-located assets. Make explicit choice-of-law elections under EU Regulation 650/2012. Review beneficiary designations on all U.S. accounts to ensure they still make sense. Lifestyle Costs: What Spain Actually Costs in 2026 A rough framework for Spanish living costs in 2026, by region: Mid-sized cities (Valencia, Granada, Málaga, Seville, Zaragoza): A comfortable lifestyle for a single person runs €1,800–€2,500 per month including rent for a one-bedroom in a desirable neighborhood. A couple typically lives well on €3,000–€4,500 per month. Madrid and Barcelona: Add 30–50% to the above. A nice one-bedroom in central Madrid runs €1,400–€2,000 per month; in Barcelona, €1,500–€2,200. Total monthly costs for a single person comfortably range €2,800–€4,000. Coastal premium areas (Marbella, Ibiza, parts of Mallorca): Closer to U.S. coastal city costs, especially in summer months. Expect €4,000+ monthly for comfortable single living, often €6,000+ for couples. Rural and smaller towns: Substantially lower. Many Americans report living comfortably in Spanish villages or small cities for €1,500–€2,000 monthly per person, including rent. These figures cover housing, food, utilities, transport, basic entertainment, and private health insurance. They don’t include big-ticket items like a car purchase, international travel, or major medical events. A Practical Pre-Move Timeline For a hypothetical move twelve to eighteen months in the future, here’s the timeline we generally recommend: T-18 to T-12 months: Strategic planning. Engage a U.S.-side cross-border financial planner and a Spanish abogado/tax specialist. Decide on visa pathway. Begin tax-projection modeling. Identify which U.S. accounts will move and which custodians can serve you abroad. Begin Spanish language study if you haven’t already. T-12 to T-9 months: Big financial moves. If indicated, complete Roth conversions. Begin strategic gain harvesting in taxable accounts. Review 529 and HSA balances for pre-move decisions. Decide on U.S. real estate (sell, rent, or hold). Update estate documents. T-9 to T-6 months: Visa application. Gather documents, get FBI background check apostilled, prepare income documentation, file the visa application. (Application processing typically takes 4–5 months.) T-6 to T-3 months: Logistics. Arrange international moving company. Begin planning what to ship versus sell versus store. Open expat-friendly U.S. brokerage account if needed. Open Spanish non-resident bank account if possible. Identify Spanish housing for the first 3–6 months. T-3 months to move date: Execution. Final tax planning moves. Cancel U.S. utilities, services, insurance. Notify employer if working remotely. Confirm all Spanish appointments (NIE, padrón, visa pickup). Time the actual move date for tax efficiency — generally after July 2 in any given calendar year if circumstances permit. T-0 to T+6 months in Spain: Settling in. Register with local padrón. Apply for Tarjeta de Identidad de Extranjero (TIE). Set up Spanish utilities, internet, healthcare. Critically: file Beckham Law election within 6 months of Social Security registration if eligible. Begin Spanish tax registration with AEAT. T+12 months: First Spanish tax return. File first IRPF return for the partial year (if applicable). Review and adjust ongoing tax strategy based on actual income realized. How AIO Financial Works With Cross-Border Clients At AIO Financial, our work with Americans moving to Spain is fundamentally about reducing the cost of bad surprises. We are a fee-only fiduciary firm — meaning we receive no commissions, no kickbacks, no revenue from any product we recommend. Our clients pay us directly, and we work only for them. That structure matters especially for international moves, where the financial services industry’s commission-based incentives often push expats into expensive insurance products and PFIC-laden offshore structures that primarily benefit the salesperson. Our typical engagement with a Spain-bound client involves an initial deep planning phase eight to twelve months before the move, then transition support during the move itself, then ongoing investment management and annual planning review once settled. We coordinate with Spanish tax counsel and U.S. expat tax preparers — we don’t replace them, but we make sure all the pieces fit together. We help clients maintain compliant U.S. brokerage relationships from abroad through our institutional arrangements. We don’t claim to be everything. We’re not Spanish lawyers or accountants. We don’t handle Spanish tax filings ourselves. Spain’s gestores and Spanish tax advisors handle that side of the picture. Our role is the U.S.-side planning and the cross-border coordination — making sure the two systems work together rather than against each other for our clients. The Bottom Line Moving to Spain can be one of the best financial and lifestyle decisions an American family makes. It can also be one of the most expensive, depending on how the planning goes. The difference is rarely about how much money you have — it’s about how much advance planning you do. The tax rates aren’t usually the killer. Spain isn’t dramatically more expensive than the U.S. on income tax for most middle-income families. What costs people money is the avoidable mistakes: missing the Beckham Law deadline, holding the wrong type of investments, triggering U.S. capital gains in Spain when they could have been harvested at home, getting blindsided by Modelo 720 reporting, ending up in a high-wealth-tax region without realizing it. Almost all of these are preventable. The work to prevent them mostly happens twelve to eighteen months before the plane takes off, not after. If you’re seriously considering Spain, the time to start the financial planning conversation is now. AIO Financial is a fee-only fiduciary financial planning firm registered with the SEC, headquartered in Tucson, Arizona, and serving clients virtually across the United States and abroad. We specialize in expat financial planning, sustainable and impact investing, retirement planning, and tax-aware investment management. We earn no commissions, sell no products, and are compensated only by our clients. To discuss your situation, visit aiofinancial.com or contact us at 520-325-0769. This guide is for educational purposes only and is not legal, tax, or investment advice. Tax laws and visa rules change frequently. The figures, thresholds, and rates cited reflect our understanding as of early 2026 and are subject to change. Please consult qualified U.S. and Spanish professionals about your specific situation before making cross-border financial or relocation decisions.

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.

It’s common to associate “new” with “better.” It’s why people often run to those claiming to have a “new word” from God or a revised and updated Bible. But Pastor Mike Fabarez shows us how the gospel remains God’s complete word and everything we need!

JHLT: The Podcast starts May with an important ten-year update to a keystone document—the "ISHLT Consensus Conference on Graft Dysfunction within the First 72 Hours after Heart Transplantation." The consensus summary—and a perspective piece by the authors—appears in the May issue of JHLT, and is available in full on ISHLT.org. The podcast is happy to host conference leader and first author Jon Kobashigawa, MD, Cedars-Sinai in Los Angeles, to talk about the consensus document, the conference, and PGD. The conversation includes discussion of: Why the document needed updating and how consensus was achieved The revised severity scale for PGD and the omission of the vasoactive-inotropic score Changes from the old document, including: Newer predictors of PGD The latest donor preservation devices Updated treatment approaches For the latest studies from JHLT, visit www.jhltonline.org/current, or, if you're an ISHLT member, access your Journal membership at www.ishlt.org/jhlt. Don't already get the Journal and want to read along? Join the International Society of Heart and Lung Transplantation at www.ishlt.org for a free subscription, or subscribe today at www.jhltonline.org.

The message of Jesus Christ is surprisingly simple. So simple that many people have looked at the gospel and said “There must be more.” But Pastor Mike Fabarez explains that the gospel needs no modification, amendment, or revision. In Jesus, we have God’s final word!

Ever received at knock at your door from someone with a big smile and news about a recent revelation from God? Many people claim that the gospel just got an upgrade! Pastor Mike Fabarez answers the question Should We Be Expecting a Newer Testament?

Calvary Live is an outreach ministry of GraceFM at Calvary Church in Aurora, Colorado.If you like what you hear on Calvary Live – don't forget tofollow us, and share it with your friends and family!

In this week's 5 Yrs Ago Flashback episode of the Wade Keller Pro Wrestling Post-show (4-21-2021), PWTorch editor Wade Keller is joined by PWTorch.com contributor and host of the “PWT Talks NXT” PWTorch Dailycast, Kelly Wells, to discuss AEW Dynamite. They begin with conversation about what Kelly is thinking about AEW now that he's watching it live on Wednesdays since NXT moved to Tuesdays. Then the first caller reviews only the second episode of Dynamite he's seen. Then some of the regular callers chime in on the show's content including Darby vs. Jungle Boy, Inner Circle and Pinnacle verbal sparring including Santana and Wardlow standing out, Hangman Page vs. Ricky Starks, Billy Gunn vs. Q.T. Marshall, Hikaru Shida vs. Tay Conti, Christian Cage vs. Powerhouse Hobbs, and more with live callers. Then in the VIP-exclusive Aftershow, Javier joins the conversation for his take and some new topics and they close with a rapid-fire Mailbag segment with additional topics and points of view.Become a supporter of this podcast: https://www.spreaker.com/podcast/wade-keller-pro-wrestling-post-shows--3275545/support.

When you're just starting out and you're acting career, there are certain habits and ticks that tend to happen for everyone. In this episode, Justin breaks down some of those early traps and offers solutions to find new ways forward.If you enjoy the podcast, please consider leaving a review and sharing! Also, let me know what episodes you might want to hear in the future.Follow this link to better help for a discount!https://betterhelp.com/theactingnotes

A large Danish study of 1.5 million children found no link between taking Tylenol (acetaminophen) during pregnancy and autism risk. Autism rates were actually lower—1.8%—among children exposed in utero, versus 3.0% in unexposed peers. The findings reinforce similar reviews and contradict former President Trump’s warnings and government caution regarding prenatal Tylenol use. The first trailer for “Spaceballs 2: The Search for More Money” has been released, poking fun at modern Star Wars films and franchise overload. The sequel brings back classic parody humor while targeting today’s Hollywood reboots, sequels, and expanded cinematic universes. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

A large Danish study of 1.5 million children found no link between taking Tylenol (acetaminophen) during pregnancy and autism risk. Autism rates were actually lower—1.8%—among children exposed in utero, versus 3.0% in unexposed peers. The findings reinforce similar reviews and contradict former President Trump’s warnings and government caution regarding prenatal Tylenol use. The first trailer for “Spaceballs 2: The Search for More Money” has been released, poking fun at modern Star Wars films and franchise overload. The sequel brings back classic parody humor while targeting today’s Hollywood reboots, sequels, and expanded cinematic universes. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Listener discretion is advised. Sensitive language and themes.

Send us Fan MailSmall State, Big Drama: RHORI Episode 1 Recap

On this week's show we go beyond the hype to tell you what specs matter most, what specs are mere marketing hype, and we give you some tips for buying your next HDTV. We also read your emails and take a look at the week's news. News: The price of Netflix is set to go up for all users New VIZIO smart TVs to require a Walmart account The latest Matter update improves camera streaming Other: Why Did TV Manufacturers Stop Using 8K Panels? What Specs Matter and What Don't When Buying a New HDTV Last week the Brightside Home Theater Podcast did a panel discussion on the real factors that shape picture quality. Check it out when you have a chance, it's very informative (Beyond Resolution: The Real Factors That Shape Imaging). So this week we are piggybacking on their discussion to tell you what specs matter most, what specs are mere marketing hype, and we give you some tips for buying your next HDTV.  Specs That Matter Most Panel Technology (OLED vs. Mini-LED/QLED): Not really a spec as much as a technology but it is important for making the right decision for your room. This is the single biggest factor to consider. Choosing the right panel really matters. It directly affects how sharp, colorful, and lifelike the picture looks in your room — whether you're watching movies in the dark or enjoying sports during the day. Which technology you choose depends on what and where you watch TV. OLED (including QD-OLED): Perfect blacks, high contrast, excellent viewing angles, and natural motion. Great for dark rooms and movies. Newer 2026 OLEDs are much brighter than older ones so if you are watching sports don't count this out. Just make sure you buy one of the brighter panels like the LG G5/G6 series, Panasonic Z95B, and the BRAVIA 8 II. Mini-LED/QLED: Much brighter overall (can exceed 2,000–3,000+ nits), better for bright rooms with lots of ambient light. Good contrast with enough dimming zones, but blacks aren't as deep as OLED. Choose based on your room: OLED for controlled lighting, Mini-LED for bright rooms.  Brightness (Peak HDR nits): Real measured peak brightness in HDR content (especially small bright areas like highlights). Higher is better for HDR pop and visibility in bright rooms (1,000+ nits is solid; 2,000+ is excellent). Full-screen brightness also matters but is less advertised. Ignore vague "ultra bright" claims—look for review-tested numbers. Contrast & Local Dimming (for LCD/Mini-LED TVs): Native contrast ratio (higher is better). Number and quality of local dimming zones (more zones = better control, less blooming). OLED skips this entirely with per-pixel lighting. Poor dimming creates distracting halos. HDR Support: Dolby Vision, HDR10+, HDR10, and HLG. Dolby Vision and HDR10+ are dynamic (scene-by-scene adjustments) and preferred over basic HDR10. Most good TVs support multiple formats now. Refresh Rate (Native Panel Rate): 120Hz native is the sweet spot for most people—smooths sports, reduces blur in action, and supports 4K@120Hz from PS5/Xbox/PC. 144Hz or 165Hz is a bonus for high-end gaming. 60Hz is fine for casual viewing but noticeable in fast content. Gaming Features (if you game): HDMI 2.1 ports (at least 2–4 for full bandwidth), VRR (Variable Refresh Rate: freesync/g-sync compatible to eliminate tearing), ALLM (Auto Low Latency Mode), low input lag (

Join Angel on a solo interview with Shelby Forsythia!Shelby Forsythia (she/her) is a grief coach, author, and podcast host. In 2020, she founded Life After Loss Academy, an online course and community that has helped dozens of grievers grow and find their way after death, divorce, diagnosis, and other major life transitions. Her new book Of Course I'm Here Right NowShelby Forsythia - Grief Coach, Author, and Podcast Host⁠⁠Support us on Patreon.⁠⁠⁠ ⁠⁠⁠⁠⁠Follow us on BlueSky(@deathandfriends.bsky.social)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on instagram(@deathandfriendspodcast)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Nash Flynn @itsnashflynn.bsky.social ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Angel Luna @GuerrillaJokes.bsky.social ⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is a KnaveryInk podcast.⁠⁠⁠⁠Have you seen our NEWER and GAYER website? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.deathandfriends.gay/⁠⁠⁠Trauma, Language, Literary Theory, Euphemisms, Traumatic Events, Melancholia, Humor, Contemporary Relevance, Grief, Memory, Pandemic, COVID-19, Isolation, Post-Pandemic Society, Cancer, Social Norms, Autism, Misinformation, Disease, Identity, Irony, Shelby Forsythia, VNV Nation

Terri walks through how a background in competitive speech and debate evolved into a 30+ year career helping top performers—CEOs, brokers, sales teams, and even members of Congress—win more often by mastering persuasive communication. Her foundation is simple but powerful: communication is not about what you say—it's about what the listener hears, processes, and acts on. She shares how her early career "breaking territory" through cold calling and filling rooms from scratch shaped her philosophy: you must be both scrappy enough to earn attention and skilled enough to convert it. The core problem she sees today: experienced professionals rely on confidence instead of preparation, while newer professionals lack structure—so both default to "winging it." And that's costing deals. Her latest book, Presentation Ready, is built on a multi-phase research study identifying the 12 most common mistakes that cause professionals to lose opportunities—based on both self-reflection and buyer feedback. What You'll Learn (from Terri) Why "winging it" is the silent deal killer – Veterans rely on experience → leads to complacency – Newer professionals lack a repeatable structure – Result: inconsistent messaging and missed outcomes The real mistake: being informative instead of persuasive – Most professionals "data dump" instead of influencing decisions – Buyers don't reward information—they reward clarity and conviction The disconnect that's costing you deals – You think you're clear → your audience thinks you're boring – #1 feedback from buyers: "The presentation was boring" Why recording yourself is non-negotiable – You cannot fix what you don't recognize – Watching yourself exposes verbal habits, weak structure, and lack of impact The importance of scrimmaging (roleplay) – Top performers don't practice presentations—they rehearse outcomes – Like athletes, drills build specific skills that show up under pressure Why "scrappy + structured" wins in today's market – Scrappy gets you in the room – Skill gets you the deal About Terri Sjodin Terri Sjodin is the Founder of Sjodin Communications and one of the leading experts in persuasive presentations and sales communication. She is a New York Times best-selling author, Hall of Fame speaker (National Speakers Association), and has worked with Fortune 500 companies, national sales teams, and government leaders. Her latest book, Presentation Ready, is based on decades of real-world experience and a multi-phase research study on what actually causes professionals to win—or lose—opportunities.

Modern Surgical Management of Elbow UCL TearsLive from the Arthrex Team Physician Controversies  

fWotD Episode 3247: Massospondylus Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Thursday, 26 March 2026, is Massospondylus.Massospondylus ( MASS-oh-spon-di-lus) is a genus of sauropodomorph dinosaur from the Early Jurassic of southern Africa. It was described by Richard Owen in 1854 from remains discovered in South Africa, and is thus one of the first dinosaurs to have been named. The name Massospondylus means 'longer vertebra', alluding to what Owen identified as tail vertebrae; these vertebrae are now known to be from the neck. Although the original fossils were destroyed in London during a bombing raid in World War II, a plethora of specimens have since been assigned to the genus, making it one of the best-known sauropodomorphs from the Early Jurassic. The genus lived during the Hettangian, Sinemurian, and Pliensbachian ages, which lasted from ca. 201 to 184 million years ago. Most fossils come from the upper Elliot and Clarens formations of South Africa and Lesotho, but the genus is also found in the Forest Sandstone and the Mpandi Formation of Zimbabwe. Material from the US, India, and Argentina was previously assigned to the genus, but the US and Argentinian specimens are now assigned to their own genera (Sarahsaurus and Adeopapposaurus). Because of their great abundance, Massospondylus fossils have been used to date rocks, and a biozone, the Massospondylus Range Zone, is named after the genus.Two species are considered valid: the type species M. carinatus, as well as M. kaalae, which was named in 2009 and is known from a single skull. Six other species have been named during the past 150 years but are no longer recognised. Originally, Massospondylus and similar dinosaurs have been regarded as theropods, but are now classified as basal ("early diverging") members of Sauropodomorpha. This group also includes sauropods. Within sauropodomorphs, Massospondylus is often classified in the family Massospondylidae. The genus was 4–6 metres (13–20 ft) long, with a long neck and tail, a small head, and a slender body. It is distinguished from related genera by the very elongated vertebrae of the front portion of the neck, amongst other features. Although Massospondylus was long depicted as quadrupedal (four-legged), it is now considered to have been bipedal (two-legged).It was probably a herbivore (plant-eater), although some have speculated that basal sauropodomorphs may have been omnivorous. On each of its hands, it bore a sharp thumb claw that was probably used in feeding, possibly to uproot vegetation or to pull down branches while rearing up. Clutches of eggs have been found, some of which contained embryos; these are among the oldest eggs and embryos of an amniote in the fossil record. The eggshell was extremely thin, less than 0.1 mm (0.0039 in), unlike the much thicker eggshells in later dinosaurs. The embryos had proportionally longer arms than adults and a very large head, leading researchers to suggest that they were quadrupedal and shifted to a bipedal posture later during growth. Newer research instead suggested that Massospondylus was bipedal at all ages. Individuals accelerated or slowed down their growth depending on environmental factors such as food availability. The oldest known specimen was around 20 years of age.This recording reflects the Wikipedia text as of 00:11 UTC on Thursday, 26 March 2026.For the full current version of the article, see Massospondylus on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Kimberly.

It's EV News Briefly for Monday 16 March 2026, everything you need to know in less than 5 minutes if you haven't got time for the full show.Patreon supporters fund this show, get the episodes ad free, as soon as they're ready and are part of the EV News Daily Community. You can be like them by clicking here: https://www.patreon.com/EVNewsDailyBMW SETS 18 MARCH FOR I3 DEBUTBMW will unveil the fully electric i3 sedan on 18 March, extending its Neue Klasse platform into the compact sedan segment, with assembly already underway at its Munich plant and series production expected to begin in late autumn. The i3 50 xDrive will be the first version to reach customers, featuring an 800V platform with up to 400kW peak charging and an expected range exceeding the iX3's 805km rating.EU EV PRICES FALL AS RULES BITEEU EV prices fell by an average of €1,800 in 2025, a 4% drop that ended five consecutive years of rising prices, taking the average to €42,700, driven by tighter CO2 emissions targets forcing carmakers to compete on price. T&E expects further price falls as more budget EVs launch, with affordable and mass-market EVs projected to outsell large and premium vehicles by 2027, alongside full price parity with ICE vehicles across all segments.TESLA WINS UK POWER SUPPLY LICENCETesla has been granted an electricity supply licence by Ofgem, allowing Tesla Energy Ventures to sell power directly to homes and businesses across England, Wales and Scotland from 11 March 2026, completing a six-year effort to become a full-service energy provider in Britain. Ofgem approved the licence despite over 8,400 objections citing Elon Musk's political activities, ruling that Tesla met all statutory requirements, and Tesla must now comply with standard UK consumer protection and billing obligations.UK MAKERS BEAT 2024 ZEV TARGETUK car makers met their 2024 ZEV mandate obligations despite a raw EV sales mix of 19.8% falling short of the 22% headline target, by using CO2 credits under the Vehicle Emissions Trading Scheme to reach an effective 24.1%. The result gave manufacturers surplus credits to carry into future compliance years, with the government set to begin a ZEV mandate review later in 2026 and findings due in the first half of 2027.GREEN NCAP LINKS WITH CHARIN ON CHARGING TESTSGreen NCAP and the Charging Interface Initiative (CharIN) have agreed to collaborate on EV charging interoperability and performance transparency, with the goal of giving consumers independent, verified data on how well EVs work with charging infrastructure. The CharIN Label will be referenced within Green NCAP's Driving Experience assessment for electric vehicles, with testing following CharIN's own processes or recognised partner organisations.ARVAL DATA SHOWS STRONG EV BATTERY LIFEArval's analysis of 24,000 battery health certificates across 11 European countries found that EV and PHEV batteries decline by just 1% per 25,000km after an initial drop, with vehicles reaching 160,000km or six years of service still retaining battery health above 90%. Newer-generation models outperformed older ones by two to three percentage points, and the entire fleet comfortably exceeds the incoming Euro 7 requirement of 72% battery capacity retention at eight years or 100,000 miles.AUSTRALIA EV TAX BREAK FACES BUDGET THREATAustralia's Electric Vehicle Discount, which allows workers to reduce their tax bill by purchasing a new EV through salary sacrificing, is under review with reports suggesting the upcoming federal budget could remove it. Renewable energy advocates are opposing any scrapping of the scheme, arguing the timing is particularly poor given rising global fuel prices.ŠKODA POSTS RECORD 2025 RESULTSŠkoda posted record 2025 results with revenue up 8.3% to €30.1 billion, operating profit up 8.6% to €2.5 billion, and net cash flow reaching €2.3 billion. Electrified vehicle deliveries more than doubled to 218,700 units, with the Elroq ranking as the second best-selling BEV in Europe and plugged-in models accounting for 25.7% of European sales.SEAT SEES 2026 PROFIT LIFT AFTER TARIFF CUTSeat expects profitability to recover in 2026 after the EU dropped an additional tariff on the China-built Cupra Tavascan, which had cost the company an estimated €250 million in 2025 and forced it to absorb around €7,000 per vehicle rather than pass costs to buyers. EV margins still trail combustion-engine equivalents, but Seat expects improvement with the launch of the Cupra Raval small EV on April 9, priced comparably to combustion-engine cars and weeks away from series production.NISSAN LEAF BATTERIES RETURN AS VIGO CHARGERSNissan has partnered with Spanish firm Little Electric Energy to deploy a second-life battery charging system at the Port of Vigo, using 12 decommissioned 30 kWh Nissan Leaf packs to power four charging points supporting both 22 kW AC and 240 kW DC ultra-fast charging. The Green Charge Flex system targets sites with limited grid capacity by charging slowly from the available connection and delivering stored energy rapidly to EVs, avoiding costly grid upgrades.

Newer isn't always better. There are a lot of new financial technology companies out there with impressive tech stacks and features to help you... but I usually don't recommend them. Tune into this episode to learn the risks of working with (some types of) fintech startups.To book a FREE breakthrough session, visit https://pacesetterplanning.com/contact

Welcome to RetroLogic! I'm Sam Wagers here with John Cummis and Shannon Eno   But RetroLogic isn't just a podcast. It's a community of retro gamers! - We've got an active, friendly, and free discord. - Giveaways - Contests - AND Dive into our family of Retro podcasts! Like RetroGroove, a music history podcast, and On Topic Retro, a podcast dedicated to 1 video game per episode hosted by our very own John Cummins. - you can find everything at our website retrologic.games Tell me one thing that happened this week!   Housekeeping   Sam: Streaming Armored Core (Mon) and Path of Radiance Saturday!   On Topic Retro: Zelda Phantom Hourglass & Spirit Tracks   FilmLogic: The Guyver The Price Is Retro -  If this is your first time playing Price Is Retro, here's how we play. I'm going to list off 4 or 5 games and everyone has to guess how much the lot is worth in total. Whoever is closest to the actual value wins that round! Everyone has a list and everyone guesses on each other's list. At the end, the player that won the most rounds wins the episode! But watch out for the robot Deus Guess Machina! He averages all of our guesses together for his own guess Dinosaur - Leonard - adds up original costs, retail value Ghost - Polterguest - always guesses 300 Shan's list Sam's list John's List Rampage -  Sam's Spot the Fake   Backlog Challenge Round 2: Community Vote We're letting the community decide which games we play for round 2 of our backlog challenge!  Vote on discord before next show! Sam Grabbed by the Ghoulies (Xbox) Glory of Heracles (DS) Zak and Wiki: the quest for Barbaros Treasure (Wii)   Shannon Secret of Mana (SNES)  Kirby and the Magic Mirror (GBA)  Harvest Moon (SNES)   John Final Fantasy Grandia II Drill Dozer   Show Topic - 37:30 44:18 Fire Emblem used to be good: (I'm trolling)    Our history with the series: Games list and timeline: Japan era: 1990  [FE1] Shadow Dragon and the Blade of light (Famicom) 1992 [FE2] Gaiden (Famicom) 1994 [FE3] Mystery of the Emblem (SFC) (remake + of FE1) 1996 [FE4] Genealogy of the Holy War (SFC) 1999 [FE5] Thracia 776 (SFC)   Yes, those are the actual release dates for super famicom. They just ignored the N64. Shozou Kaga leaves Intelligent systems in 1999 after Thracia releases, founds Tirnanog as an independent studio to create TearRing Saga. (very similar to fire emblem)   International era (classic) 2001 Smash Bros. Melee introduces the world to Marth and Roy 2002 [FE6] The Binding Blade (Ok, this one didn't release outside japan) (GBA) 2003 [FE7] The Blazing Blade (AKA "Fire Emblem") (GBA) 2004 [FE8] The Sacred Stones (GBA) 2005 [FE9] Path of Radiance (GC) 2007 [FE10] Radiant Dawn (Wii)  2008 [FE11] Shadow Dragon (DS) remake of FE1 2010 [FE12] New Mystery of the Emblem (DS) remake of FE3 Japan only   Awakening 2012 [FE13] Fire Emblem Awakening 3DS 2015 [FE14] Fates 3DS 2015 [] Tokyo Mirage Sessions #FE (Wii U) 2017 Heroes (mobile) 2017 [FE15] Fire Emblem Echoes: Shadow of Valentia (3DS) - Remake of FE2 2019 [FE16] Three Houses (switch) 2020 [] Tokyo Mirage Sessions #FE Encore (Switch) 2022 Fire Emblem Warriors: 3 hopes (switch) 2023 [FE17] Engage (switch) 2025 Shadows (mobile) 2026 [FE18] Fortune's Weave - Switch 2 Some thoughts: What makes Fire emblem Fire emblem?  Has that answer changed in each era?   https://www.animelyrics.com/game/fireemblem/fireemblemcm.htm   -Is Tellius all that different?   Comparing: -Permanent death vs. casual mode - game design -Character design/aesthetics -Player Avatars -Character Relationships -Map design -Newer gimmicks (combat arts, squadrons, emblem rings, dragon veins, pair up) -Grindability (arena, optional maps, bonus exp) -reclassing   Series future: -Remakes of FE4, FE5, FE6? -What direction would it take to win Sam back? Community Couch See discord   Thanks for listening to the RetroLogic Podcast! We are proudly part of the Nintendo Dads family of podcasts. If you like what you hear, check me out on Bluesky at @retrologicgames.bsky.social. You're also welcome to jump into our friendly and 100% non-toxic Discord Community! The link to that is in my Blusky bio. You can also find everything on our website Retrologic.games Discord Link Join Today!  

Homes hold memories. They hold family history, meaning, and for many, a lifetime of love. But as we age, the very places that once felt secure can quietly become harder—and riskier—to live in. Most homes in the U.S. were never designed for aging bodies. Yet many older adults feel emotionally and financially locked in. The result? Families delay important housing decisions until a crisis forces change. Today, we were joined by Harlan Accola, who leads the reverse mortgage team at Movement Mortgage, about a lesser-known option that may help older adults move into safer homes—without taking on new required monthly payments. The Hidden Danger: Falls at Home Falls are far more common—and costly—than most people realize. Roughly 30 million older Americans fall each year. About one in five of those falls results in serious injury, often leading to hospitalization. The direct medical costs alone total nearly $50 billion annually. But the emotional and lifestyle costs for families can be even greater. What's sobering is where these falls happen. Not in extreme situations—but in ordinary places: Stairways Bathrooms Entryways Narrow hallways These everyday features become obstacles as mobility changes. Why So Many Homes Don't Fit Aging Adults Most homes were built decades ago for young families in different stages of life. Only a small percentage include basic accessibility features such as: Step-free entries Main-floor bedrooms Main-floor bathrooms Wider doorways and hallways As a result, stairs, tubs, and tight spaces often push older adults toward assisted living or nursing homes—not because they want to move, but because their homes no longer support their safety. Why Many Families Feel “Stuck” Even when homeowners recognize their house isn't ideal anymore, they often hesitate to move. There are two major reasons: 1. Emotional Attachment This is the home where children were raised, and milestones were celebrated. Letting go isn't easy. 2. Financial Lock-In Many retirees either: Have very low mortgage rates (2–3%), or Own their homes outright They worry that selling means taking on a new mortgage payment—something they might regret later in life. So they stay…often until something goes wrong. A Little-Known Option: Reverse Mortgage for Purchase Many people assume a reverse mortgage is only for accessing equity in their current home. But there's another option: using a reverse mortgage at the point of purchase. Here's how it can work: A homeowner sells their current home. They use the proceeds to purchase a new, safer home. A reverse mortgage helps cover the difference. For example: Sell a $300,000 home. Purchase a $500,000 home. Use a $200,000 reverse mortgage for purchase. The key distinction? No required monthly mortgage payments for as long as the homeowner lives in the home. That opens the door to: Newer construction Energy-efficient homes Low-maintenance properties Better design for aging in place A Shift in Thinking: Prevention, Not Reaction One of the wisest principles in Scripture is found in Proverbs 27:12: “The prudent see danger and take refuge.” Housing decisions in later life should reflect that kind of prudence. Rather than waiting for: A fall A wheelchair A medical emergency Families can proactively ask: How can we use the housing wealth we've built to improve safety and quality of life—while we're still healthy? When purchasing a home for the “fourth quarter” of life, it shouldn't just be your best home—it should be your safest home. Stewarding Home Equity Wisely Interestingly, two-thirds of retirees still carry a mortgage. Even when downsizing, some may still need financing. A reverse mortgage for purchase can allow retirees to: Avoid required monthly payments Preserve some cash for investments or future needs Move into a safer home Maintain flexibility Like any financial tool, it isn't right for everyone. But for some families, it may provide a path forward they didn't realize existed. Moving Forward Housing is more than real estate—it's stewardship. It's about safety, dignity, and wise preparation for the season ahead. If you'd like to learn more about whether a reverse mortgage for purchase could fit your situation, you can explore your options at Movement.com/Faith. As with any major decision, seek wise counsel, pray for clarity, and take steps not just to protect your assets—but to protect your well-being. On Today's Program, Rob Answers Listener Questions: My grandfather set up 529 plans for my two older kids. If there's money left after they graduate, can I transfer it to my younger daughter? And once she's finished, could I split any remaining funds into separate accounts for each child's future family? I often hear advice to put 10% into precious metals for retirement. What's your take—and is there a biblical perspective on that? Also, in retirement, when we're living off savings, how should we think about tithing? Do we give 10% of what the nest egg produces? After caring for my mom and losing my job, I'm nearly 50, $15,000 in debt, facing eviction, and starting over with no savings. What should I prioritize first? My wife and I are newly married and plan to live full-time in an RV for ministry. We'll live on my retirement income and use the remainder for spending. Should we manage that with cash, debit, or credit? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Movement Mortgage Tithing: A Fresh Look at an Ancient Practice (Article by John Cortines in Faithful Steward, Issue 3) Christian Credit Counselors Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

replacement parts What Happens When Replacement Parts Disappear? | Episode 599 Good morning, this is James from SurvivalPunk.com. Today we're talking about something that most people don't think about until it's too late. What happens when something breaks… and you can't get the replacement part anymore? Planned obsolescence. And what you can actually do about it. Planned Obsolescence When I first learned about planned obsolescence, it pissed me off. The idea that companies intentionally design products to fail after a few years so you have to buy another one. Your phone getting slower after a couple years. Appliances dying earlier than they should. Meanwhile your grandparents had a refrigerator from the 1950s that ran forever. The difference? It wasn't designed to die. Modern products often are. The Repair Problem Even if something can be repaired, that doesn't mean you'll be able to. Repairmen aren't nearly as common as they used to be. And a lot of things aren't built to be repaired anymore. Cars are a perfect example. Older vehicles were simple. You could practically climb inside the engine bay and remove parts comfortably. Newer cars? To replace a starter in one car I worked on, I had to remove the front wheel and drop the part out through the wheel well. Ridiculous. And then you've got sensors everywhere. A tiny sensor fails and suddenly the whole car refuses to run. The Real Problem: Parts Disappear Even if you know how to fix something, there's another issue. Replacement parts eventually stop being made. Say you have a washer — the JamesCo Washer 2000. For years, replacement parts exist. OEM parts. Aftermarket parts. Repair manuals. But eventually the manufacturer stops making them. Suppliers stop stocking them. And suddenly your washer becomes unrepairable — not because the repair is impossible, but because the part doesn't exist anymore. Strategy #1: Stock Common Failure Parts If you've got the space and money, this is a powerful strategy. Find out what parts fail most often. Examples: Ignition coils Fuel pumps Sensors Belts Filters Control boards You don't need to stock every part. Just the ones most likely to fail. I once suspected my fuel pump might go bad, so I ordered a replacement ahead of time. Turned out the issue was something else… so the pump sat in my garage for months. Then one day the fuel pump actually died. And I already had the part sitting there. Problem solved. Strategy #2: Learn Workarounds Sometimes you don't need the part. You just need a workaround. Example: catalytic converters. A friend once told me two tricks: One — cut it open and clean it out. Two — if you live somewhere without emissions testing, cut it out and straight pipe it. Not always legal everywhere — but the point is there are often solutions people have discovered that extend the life of equipment. Another time I ran over a rock that punctured my transmission pan. Fluid leaked out everywhere. Instead of replacing the entire pan, I used steel epoxy putty and sealed the hole. Worked perfectly. Sometimes the “temporary fix” lasts forever. Strategy #3: Make Your Own Parts This is where things get really interesting. With modern tools, individuals can manufacture small parts. Two powerful options: 3D printers Small CNC machines These can produce: brackets clips plastic connectors housings mounts small mechanical parts And many of these designs are already shared online. Someone else might have already solved the exact problem you’re facing. Download the file. Print the part. Fix the machine. There's Also a Business Opportunity Think about this. If a product has a common failure point… And replacement parts are no longer available… Whoever figures out how to make that part can sell it. People do this already. They reproduce discontinued parts for: vehicles appliances electronics tools Sometimes a simple plastic part that costs 50 cents to print can sell for $20 because it solves a real problem. Preparedness Angle From a preparedness standpoint, this matters a lot. If supply chains break down, replacement parts will become extremely hard to find. You won't be able to just order them online. Being able to: stock parts repair equipment improvise fixes manufacture replacements …is a massive resilience advantage. Final Thoughts Everything breaks eventually. And the modern world is not designed to help you repair things. It's designed to make you replace them. But if you think ahead… Stock a few parts. Learn some workarounds. And maybe even learn to manufacture simple components. You can keep things running long after everyone else has given up. This is James from SurvivalPunk.com. DIY to survive. Amazon Item of the Day Steel Reinforced Epoxy Putty Stick Steel Epoxy Putty Repair StickPerfect for sealing cracks, holes, and emergency repairs on metal equipment. J-B Weld SteelStik, 1 Hour Cure, Steel Reinforced Epoxy Putty Stick – 2 Pack, Dark Grey (8267-2) Think this post was worth 20 cents? Consider joining The Survivalpunk Army and get access to exclusive content and discounts! Don't forget to join in on the road to 1k! Help James Survivalpunk Beat Couch Potato Mike to 1k subscribers on Youtube Want To help make sure there is a podcast Each and every week? Join us on Patreon Subscribe to the Survival Punk Survival Podcast. The most electrifying podcast on survival entertainment. Itunes Pandora RSS Spotify Like this post? Consider signing up for my email list here > Subscribe Join Our Exciting Facebook Group and get involved Survival Punk Punk's The post What Happens When Replacement Parts Disappear? | Episode 599 appeared first on Survivalpunk.

How do you build a creative life that spans music, writing, film, and spiritual practice? Alicia Jo Rabins talks about weaving multiple creative strands into a sustainable career and why the best advice for any creator might simply be: just make the thing. In the intro, backlist promotion strategy [Written Word Media]; Successful author business [Novel Marketing Podcast]; Alliance of Independent Authors Indie Author Bookstore; Bones of the Deep – J.F. Penn This podcast is sponsored by Kobo Writing Life, which helps authors self-publish and reach readers in global markets through the Kobo eco-system. You can also subscribe to the Kobo Writing Life podcast for interviews with successful indie authors. This show is also supported by my Patrons. Join my Community at Patreon.com/thecreativepenn Alicia Jo Rabins is an award-winning writer, musician, performer, as well as a Torah teacher and ritualist. She's the creator of Girls In Trouble, a feminist indie-folk song cycle about biblical women, and the award-winning film, A Kaddish for Bernie Madoff. Her latest book is a memoir, When We Are Born We Forget Everything. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights, and the full transcript is below. Show Notes Building a sustainable multi-disciplinary creative career through teaching, performance, grants, and donations Trusting instinct in the early generative stages of creativity and separating generation from editing Adapting and reimagining religious and cultural source material through music, writing, and performance The challenges of transitioning from poetry to long-form prose memoir, including choosing a lens for your story Making an independent film on a shoestring budget without waiting for Hollywood's permission Finding your creative voice and building confidence by leaning into vulnerability and returning to the practice of making You can find Alicia at AliciaJo.com. Transcript of the interview with Alicia Jo Rabins Joanna: Alicia Jo Rabins is an award-winning writer, musician, performer, as well as a Torah teacher and ritualist. She's the creator of Girls In Trouble, a feminist indie-folk song cycle about biblical women, and the award-winning film, A Kaddish for Bernie Madoff. Her latest book is a memoir, When We Are Born We Forget Everything. So welcome to the show, Alicia. Alicia: Thank you so much. I'm delighted to be here. Joanna: There is so much we could talk about. But first up— Tell us a bit more about you and how you've woven so many strands of creativity into your life and career. Alicia: Yes, well, I am a maximalist. What happened in terms of my early life is that I started writing on my own, just extremely young. I'm one of those people who always loved writing, always processed the world and managed my emotions and came to understand myself through writing. So from a very young age, I felt really committed to writing. Then I had the good fortune that my mother saw a talk show about the Suzuki method of learning violin—when you start really young and learn by ear, which is modelled after language learning. It's so much less intellectual and much more instinctual, learning by copying. She was like, that looks like a cool thing. I was three years old at the time and she found out that there was a little local branch of our music conservatory that had a Suzuki violin programme. So when I was three and a half, getting close to four, she took me down and I started playing an extremely tiny violin. Joanna: Oh, cute! Alicia: Yes, and because it was part of this conservatory that was downtown, and we were just starting at the suburban branch where we lived, there was this path that I was able to follow. As I got more and more interested in violin, I could continue basically up through the conservatory level during high school. So I had a really fantastic music education without any pressure, without any expectations or professional goals. I just kept taking these classes and one thing led to another. I grew up being very immersed in both creative writing and music, and I think just having the gift of those two parts of my brain trained and stimulated and delighted so young really changed my brain in some ways. I'll always see the world through this creative lens, which I think I'm also just set up to do personally. Then the last step of my multi-practice career is that in college I got very interested in Jewish spirituality. I'm Jewish, but I didn't grow up very religious. I didn't grow up in a Jewish community really. So I knew some basics, but not a ton. In college I started to study it and also informally learned from other people I met. I ended up going on a pretty intense spiritual quest, going to Jerusalem and immersing myself after college for two years in traditional Jewish study and practice. So that became the third strand of the braid that had already been started with music and writing. Torah study, spiritual study, and teaching became the third, and they all interweave. The last thing I'll say is that because I work in both words and music, and naturally performance because of music, it began to branch a little bit into plays, theatre, and film, just because that's where the intersection of words, performance, and music is. So that's really what brought me into that, as opposed to any specific desire to work in film. It all happened very organically. Joanna: I love this. This is so cool. We are going to circle back to a lot of this, but I have to ask you— What about work for money at any point? How did this turn into more than just hobbies and lifestyle? Alicia: Yes, absolutely. Well, I'm very fortunate that I did not graduate college with loans because my parents were able to pay for college. That was a big privilege that I just want to name, because in the States that's often not the case. So that allowed me to need to support myself, but not also pay loans, which was a real gift. What happened was I went straight from college to that school in Jerusalem, and there I was on loans and scholarship, so I didn't have to worry yet about supporting myself. Then when I came back to the States, I actually found on Craigslist a job teaching remedial Hebrew. It was essentially teaching kids at a Jewish elementary school who either had learning differences or had just entered the school late and needed to be in a different Hebrew class than the other kids in their grade. That was my first experience of really teaching, and I just absolutely fell in love with it. Although in the end, my passion is much more for teaching the text and rituals and the wrestling with the concepts, as opposed to teaching language. So all these years, while doing performance and writing and all these things, I have been teaching Jewish studies. That has essentially supported me, I would say, between 50 and 70 per cent. Then the rest has been paid gigs as a musician, whether as a front person leading a project or as what we call a sideman, playing in someone else's band. Sometimes doing theatre performances, sometimes teaching workshops. That's how I've cobbled it together. I have not had a full-time job all these years and I have supported myself through both earned income and also grants and donations. I've really tried to cultivate a little bit of a donor base, and I took some workshops early on about how to welcome donations. So I definitely try to always welcome that as well. Joanna: That is so interesting that you took a workshop on how to welcome donations. Way back in, I think 2013, I said on this show, I just don't know if I can accept people giving to support the show. Then someone on the podcast challenged me and said, but people want to support creatives. That's when I started Patreon in 2014. It was when The Art of Asking by Amanda Palmer came out and— It was this realisation that people do want to support people. So I love that you said that. Alicia: It's not easy. It's still not easy for me, and I have to grit my teeth every time I even put in my end-of-year newsletter. I just say, just a reminder that part of what makes this possible is your generous donations, and I'm so grateful to you. It's not easy. I think some people enjoy fundraising. I certainly don't instinctively enjoy it, but I have learned to think of it exactly the way that you're saying. I mean, I love donating to support other people's projects. Sometimes it's the highlight of my day. If I'm having a bad day and someone asks for help, either to feed a family or to complete a creative project, I just feel like, okay, at least I can give $36 or $25 and feel like I did something positive in the last hour, even if my project is going terribly and I'm in a fight with my kid or something. So I have to keep in mind that it is actually a privilege to give as well as a privilege to receive. Joanna: Absolutely. So let's get back into your various creative projects. The first thing I wanted to ask you, because you do have so many different formats and forms of your creativity—how do you know when an idea that comes to you should be a song, or something you want to do as a performance, or written, or a film? Tell us a bit about your creative process. Because a lot of your projects are also longer-term. Alicia: Yes. It's funny, I love planning and in some ways I'm an extreme planner. I really drive people in my family bonkers with planning, like family vacations a year in advance. In terms of my creativity, I'm very planful towards goals, but in that early generative state, I am actually pure instinct. I don't think I ever sit down and say, “I have this idea, which genre would it match with?” It's more like I sit on my bed and pick up my guitar, which is where I love to do songwriting, just sitting on my bed cross-legged, and I pick up my guitar and something starts coming out. Then I just work with that kernel. So it's very nebulous at first, very innate, and I just follow that creative spirit. Often I don't even know what a project is, sometimes if it's a larger project, until a year or two in. Once things emerge and take shape, then my planning brain and my strategy brain can jump on it and say, “Okay, we need three more songs to fill out the album, and we need to plan the fundraising and the scheduling.” Then I might take more of an outside-in approach. At the beginning it's just all instinct. Joanna: So if you pick up your guitar, does that mean it always starts in music and then goes into writing? Or is that you only pick up a guitar if it's going to be musical? Alicia: I think I'm responding to what's inside me. It's almost like a need, as opposed to, “I'm going to sit down and work.” I mean, obviously I sit down and work a lot, but I think in that early stage of anything, it's more like my fingers are itching to play something, and so I sit down and pick up my guitar. Sometimes nothing comes out and sometimes the kernel of a song comes out. Or I'm at a café, and I often like to write when I'm feeling a little bit discombobulated, just to go into the complexity of things or use challenging emotions as fuel. I really do use it as a—I don't know if therapeutic is the word, but I think it maybe is. I write often, as I always have, as I said before, to understand what I'm thinking. Like Joan Didion said—to process difficult emotions, to let go of stuck places. So I think I create almost more out of a sense of just what I need in the moment. Sometimes it's just for fun. Sometimes picking up a guitar, I just have a moment so I sit down and mess around. Sometimes it's to help me struggle with something. It doesn't always start in music. That was a random example. I might sit down to write because I have an hour and I think, I haven't written in a while. Or I do have an informal daily writing thing where I'll try to generate one loose draft of something a day, even if it's only ten pages. I mean, sorry, ten words. Joanna: I was going to say! Alicia: No, no. Ten words. I'm sorry. It's often poetry, so it feels like a lot when it's ten words. I'll just sit down with no pressure, no goal, no intention to make anything specific. Just open the floodgates and see what comes out. That's where every single project of mine has started. Joanna: Yes, I do love that. Obviously, I'm a discovery writer and intuitive, same as you. I think very much this idea of, especially when you said you feel discombobulated, that's when you write. I almost feel like I need that. I'm not someone who writes every day. I don't do ten lines or whatever. It's that I'll feel that sense of pressure building up into “this is going to be something.” I will really only write or journal when that spills over into— “I now need to write and figure out what this is.” Alicia: Yes. It's almost a form of hunger. It feels to me similar to when you eat a great meal and then you're good for a while. You're not really thinking of it, and then it builds up, like you said, and then there's a need—at least the first half of creativity. I really separate my generation and my editing. So my generative practice is all openness, no critique, just this maybe therapeutic, maybe curious, wandering and seeing what happens. Then once I have a draft, my incisive editing mind is welcome back in, which has been shut out from that early process. So that's a really different experience. Those early stages of creativity are almost out of need more than obligation. Joanna: Well, just staying with that generative practice. Obviously you've mentioned your study of and practice of Jewish tradition and Jewish spirituality. Steven Pressfield in his books has talked about his prayer to the muse, and I've got on my wall here—I don't talk about this very often, actually — I have a muse picture, a painting of what I think of as a muse spirit in some form. So do you have any spiritual practices around your generative practice and that phase of coming up with ideas? Alicia: I love that question, and I wish I had a beautiful, intentional answer. My answer is no. I think I experience creativity as its own spiritual practice itself. I do love individual prayer and meditation and things like that, but for me those are more to address my specifically spiritual health and happiness and connectedness. I'm just a dive-in kind of person. As a musician, I have friends who have elaborate backstage rituals. I have to do certain things to take care of my voice, but even that, it's mostly vocal rest as opposed to actively doing things. There's a bit of an on/off switch for me. Joanna: That's interesting. Well, I do want to ask you about one of your projects, this collaboration with a high school on a musical performance, I Was a Desert: Songs of the Matriarchs, and also your Girls in Trouble songs about women in the Torah. On your website, I had a look at the school, the high school, and the musical performance. It was extraordinary. I was watching you in the school there and it's just such extraordinary work. It very much inspired me—not to do it myself, but it was just so wonderful. I do urge people to go to your website and just watch a few minutes of it. I'm inspired by elements of religion, Christian and Jewish, but I wondered if you've come up against any issues with adaptation—respecting your heritage but also reinventing it. How has this gone for you. Any advice for people who want to incorporate aspects of religion they love but are worried about responses? Alicia: Well, I have to say, coming from the Jewish tradition, that is a core practice of Judaism—reinterpreting our texts and traditions, wrestling with them, arguing with them, reimagining them. I don't know if you're familiar with Midrash, but just in case some of your listeners aren't sure I'll explain it. There's essentially an ancient form of fanfic called Midrash, which was the ancient rabbis, and we still do it today, taking a biblical story that seems to have some kind of gap or inconsistency or question in it and writing a story to fill that gap or recast the story in an interestingly different light. So we have this whole body of literature over thousands of years that are these alternate or added-on adventures, side quests of the biblical characters. What I'm doing from a Jewish perspective is very much in line with a traditional way of interacting with text. I've certainly never gotten any pushback, especially as I work in progressive Jewish communities. I think if I were in an extremely fundamentalist community, there would be a lot of different issues around gender and things like that. The interpretive process, even in those communities, is part of how we show respect for the text. When I was working with the high school—and I just want to call out the choir director, Ethan Chen, who has an incredible project where he brings in a different artist every two years to work with the choir, and they tend to have a different cultural focus each time. He invited me specifically to integrate my songwriting about biblical women with his amazing high school choir. I was really worried at first because most of them are not Jewish—very few of them, if any. I wanted to respect their spiritual paths and their religious heritages and not impose mine on them. So I spent a lot of time at the beginning saying, this project has religious source material, but essentially it is a creative reinterpretive project. I am not coming to you to bring the religious material to you. I'm coming to take the shared Hebrew Bible myths and then reinterpret those myths through a lens of how they might reflect our own personal struggles, because that's always my approach to these ancient stories. I wanted to really make that clear to the students. It was such a joy to work with them. Joanna: It's such an interesting project. Also, I find with musicians in general this idea of performance. You've written this thing—or this thing specifically with the school—and it doesn't exist again, right? You're not selling CDs of that, I presume. Whereas compared to a book, when we write a book, we can sell it forever. It doesn't exist as a performance generally for an author of a memoir or a novel. It carries on existing. So how does that feel, the performance idea versus the longer-lasting thing? I mean, I guess the video's there, but the performance itself happened. Alicia: I do know what you mean. Absolutely. We did, for that reason, record it professionally. We had the sound person record it and mix it, so it is available to stream. I'm not selling CDs, but it's out there on all the streaming services, if people want to listen. I do also have the scores, so if a choir wanted to sing it. The main point that you're making is so true. I think there's actually something very sacred about live performance—that we're all in the moment together and then the moment is over. I love the artefacts of the writing life. I love writing books. I love buying and reading books and having them around, and there's piles of them everywhere in this room I'm standing in. I feel like being on stage, or even teaching, is a very spiritual practice for me, because it's in some ways the most in-the-moment I ever am. The only thing that matters is what's happening right then in that room. It's fleeting as it goes. I'm working with the energy in the room while we're there. It's different every time because I'm different, the atmosphere is different, the people are different. There's no way to plan it. The kind of micro precision that we all try to bring to our editing—you can't do that. You can practice all you want and you should, but in the moment, who knows? A string breaks or there's loud sound coming from the other room. It is just one of those things. I love being reminded over and over again of the truth that we really don't control what happens. The best that we can do is ride it, surf it, be in it, appreciate it, and then let it go. Joanna: I think maybe I get a glimpse of that when I speak professionally, but I'm far more in control in that situation than I guess you were with—I don't know how many—was it a hundred kids in that choir? It looked pretty big. Alicia: It was amazing. It was 130 kids. Yes. Joanna: 130 kids! I mean, it was magic listening to it. And yes, of course, showing my age there with buying a CD, aren't I? Alicia: Well, I do still sell some CDs of Girls in Trouble on tour, because I have a bunch of them and people still buy them. I'm always so grateful because it was an easier life for touring musicians when we could just bring CDs. Now we have to be very creative about our merch. Joanna: Yes, that's a good point because people are like, “Oh yes, I'll scan your QR code and stream it,” but you might not get the money for that for ages, and it might just be five cents or whatever. Alicia: Streaming is terrible for live musicians. I mean, I don't know if you know the site Bandcamp, but it's essentially self-publishing for musicians. Bandcamp is a great way around that, and a lot of independent musicians use it because that's a place you can upload your music and people can pay $8 for an album. They can stream it on there if they want, or they can download it and have it. But, yes, it's hard out there for touring musicians. Joanna: Yes, for sure. Well, let's come to the book then. Your memoir, When We Are Born We Forget Everything. Tell us about some of the challenges of a book as opposed to these other types of performances. Alicia: Well, I come out of poetry, so that was my first love. That's what I majored in in college. That's what my MFA is in. Poetry is famously short, and I'm not one of those long-form poets. I have been trained for many years to think in terms of a one-page arc, if at all. Arc isn't even really a word that we use in poetry. So to write a full-length prose book was really an incredible education. Writing it basically took ten years from writing to publication, so probably seven years of writing and editing. I felt like there was an MFA-equivalent process in the number of classes I took, books I read, and work that went into it. So that was one of my main joys and challenges, really learning on the job to write long-form prose coming out of poetry. How to keep the engine going, how to think about ending one chapter in a way that leaves you with some torque or momentum so that you want to go into the next chapter. How many characters is too many? Who gets names and who doesn't? Some of these things that are probably pretty basic for fiction writers were all very new to me. That was a big part of my process. Then, of course, poets don't usually have agents. So once it was done, I began to query agents. It was the normal sort of 39 rejections and then one agent who really understood what I was trying to do. She's incredible, and she was able to sell the book. The longevity of just working on something for that long—I have a lot of joy in that longevity—but it does sometimes feel like, is this ever going to happen, or am I on a fool's errand? Joanna: I guess, again, the difference with performance is you have a date for the performance and it's done then. I suppose once you get a contract, then for sure it has to be done. But memoir in particular, you do have to set boundaries, because of course your life continues, doesn't it? So what were the challenges in curating what went into the book? Because many people listening know memoir is very challenging in terms of how personal it can be. Alicia: Yes, and one thing I think is so fascinating about memoir is choosing which lens to put on your story, on your own story. I heard early on that the difference between autobiography and memoir is that autobiography tries to give a really comprehensive view of a life, and memoir is choosing one lens and telling the story of a life through that lens, which is such a beautiful creative concept. I knew early on that I wanted this to be primarily a spiritual memoir, and also somewhat of an artistic memoir, because my creativity and my spirituality are so intertwined. It started off being spiritual, and also about my musical life, and also about my writing life. In the end, I edited out the part about my writing life, because writing about writing was just too navel-gazing. So there's nothing in there about me coming of age as a writer, which used to be in there, but that whole thing got taken out. Now it's spiritual and musical. For me, it really helped to start with those focuses, because I knew there may be things that were hugely important in my life, absolutely foundational, that were not really going to be either mentioned or gone deeply into in the book. For example, my husband teases me a lot about how few pages and words he gets. He's very important in my life, but I actually met him when I was 29, and this book really mainly takes place in the years leading up to that. There's a little bit of winding down in the first few years of my thirties, but this is not a book about my life with him. He is mentioned in it. That story is in there. Having those kinds of limitations around the canvas—there's a quote, I forget if it was Miranda July, but somebody said something like, basically when you put a limitation on your project, that's when it starts to be a work of art. Whatever it is, if you say, “I'm taking this canvas and I'm using these colours,” that's when it really begins, that initial limitation. That was very helpful. Joanna: It's also the beauty of memoir, because of course you can write different memoirs at different times. You can write something about your writing life. You can write something else about your marriage and your family later on. That doesn't all have to be in one book. I think that's actually something I found interesting. And I would also say in my memoir, Pilgrimage, my husband is barely mentioned either. Alicia: Does he tease you too? Joanna: No, I think he's grateful. He is grateful for the privacy. Alicia: That's why I keep saying, you should be grateful! Joanna: Yes. You really should. Like, maybe stop talking now. Alicia: Yes, exactly. I know. Marriage, memoir—those words should strike fear into his heart. Joanna: They definitely should. But let's just come back. When I look at your career— You just seem such an independent creative, and so I wondered why you decided to work with a traditional publisher instead of being an independent. How are you finding it as someone who's not in charge of everything? Alicia: It's a great question. The origin story for this memoir is that I was actually reading poetry at a writing conference called Bread Loaf in the States. This was 16 years ago or something. I was giving a poetry reading and afterwards an agent, not my agent, came up to me and said, you know, you have a voice. You should try writing nonfiction because you could probably sell it. Back to your question about how I support myself, I am always really hustling to make a living. It's not like I have some separate well-paying job and the writing has no pressure on it. So my ears kind of perked up. I thought, wait, getting paid for writing? Because poetry is literally not in the world. It's just not a concept for poets. That's not why we write and it's not a possibility. So a little light turned on in my brain. I thought, wow, that could be a really interesting element to add to my income stream, and it would be flexible and it would be meaningful. For a few years I thought, what nonfiction could I write? And I came up with the idea of writing a book about biblical women from a more scholarly perspective, because I teach that material and I've studied it. I went to speak to another agent and she said, well, you could do that, but if you actually want to sell a book, it's going to have to be more of a trade book. So if you don't want an academic press, which wouldn't pay very much, you would have to have some kind of memoir-like stories in there to just sweeten it so it doesn't feel academic. So then I began writing a little bit of spiritual memoir. I thought, okay, well, I'll write about a few moments. Then once I started writing, I couldn't stop. The floodgates really opened. That's how it ended up being a spiritual memoir with interwoven stories of biblical women. It became a hybrid in that sense. I knew from the beginning that this project—for all my saying earlier that I never plan anything and only work on instinct, I was thinking as I said that, that cannot be true. This time, I actually thought, what if, instead of coming from this pure, heart-focused place of poetry, I began writing with the intention of potentially selling a book? The way my fiction writer friends talked about selling their books. So that was always in my mind. I knew I would continue writing poetry, continue publishing with small presses, continue putting my own music out there independently, but this was a bit of an experiment. What if I try to interface with the publishing world, in part for financial sustainability? And because I had a full draft before I queried, I never felt like anyone was telling me what to write. I can't imagine personally selling a book on proposal, because I do need that full capacity to just swerve, change directions, be responsive to what the project is teaching me. I can't imagine promising that I'll write something, because I never know what I'll write. But writing at least a very solid draft first, I'm always delighted to get notes and make polish and rewrite and make things better. I took care of that freedom in the first seven years of writing and then I interfaced with the agent and publisher. Joanna: I was going to say, given that it's taken you seven to ten years to do this and I can't imagine that you're suddenly a multimillionaire from this book. It probably hasn't fulfilled the hourly rate that perhaps you were thinking of in terms of being paid for your work. I think some people think that everyone's going to end up with the massive book deal that pays for the rest of their life. I guess this book does just fit into the rest of your portfolio career. Alicia: Yes. One of the benefits of these long arcs that I like to work on is, one of them—and probably the primary one—is that the project gets to unfold on its own time. I don't think I could have rushed it if I wanted. The other is that it never really stopped me from doing any of my other work. Joanna: Mm-hmm. Alicia: So it's not like, oh, I gave up months of my life and all I got was this advance or something. It's like, I was living my life and then when I had a little bit of writing time—and I will say, it impacted my poetry. I haven't written as much poetry because I was working on this. So it wasn't like I just added it on top of everything I was already doing, but it was a pleasure to just switch to prose for a while. It was just woven into my life. I appreciated having this side project where no one was waiting for it. There were no deadlines, there was no stress around it, because I always have performances to promote and due dates for all kinds of work. It was just this really lovely arena of slow growth and play. When I wanted a reader, I could do a swap with a writer friend, but no one was ever waiting for it on deadline. So there's actually a lot of pleasure in that. Then I will say, I think I've made more from selling this than my poetry. Probably close to ten times more than I've ever made from any of my poetry. So on a poetry scale, it's certainly not going to pay for my life, but it actually does make a true financial difference in a way that much of my other work is a little more bit by bit by bit. It's actually a different scale. Joanna: Well, that's really good. I'm glad to hear that. I also want to ask you, because you've done so many things, and— I'm fascinated by your independent film, A Kaddish for Bernie Madoff. I have only watched the trailer. You are in it, you wrote it, directed it, and it's also obviously got other people in, and it's fascinating. It's about this particular point in history. I've written quite a lot of screenplay adaptations of my novels, and I've had some various amounts of interest, but the whole film industry to me is just a complete nightmare, far bigger nightmare than the book industry. So I wonder if you could maybe talk about this, because it just seems like you made a film, which is so cool. Alicia: Oh yes, thank you. Joanna: And it won awards, yes, we should say. Alicia: Did we win awards? Yes. It really, for an extremely low-budget indie film, went far further than my team and I could ever have imagined. I will say I never intended to make a film. Like most of the best things in my life, it really happened by accident. When I was living in New York— I lived there for many years—the 2008 financial collapse happened and I happened to have an arts grant that gave a bunch of artists workspace, studio space, in essentially an abandoned building in the financial district. It was an empty floor of a building. The floor had been left by the previous tenant, and there's a nonprofit that takes unused real estate in the financial district and lets artists work in it for a while. So I was on Wall Street, which was very rare for me, but for this year I was working on Wall Street. Even though I was working on poems, the financial collapse happened around me, and I did get inspired by that to create a one-woman show, which was more of a theatre show. That was already a huge leap for me because I had no real theatre experience, but it was experimental and growing out of my poetry practice and my music. It was a musical one-woman show about the financial collapse from a spiritual perspective, apparently. So I performed that. I documented it, and then a friend who lives in Portland, Oregon, where I now live, said, “I'm a theatre producer, I'd like to produce it here.” So then I rewrote it and did a run here in Portland of that show. Essentially, I started to tour it a little bit, but I got tired of it. It was too much work and it never really paid very much, and I thought, this is impacting my life negatively. I just want to do a really good documentation of the show. So I wanted to hire a theatre documentarian to just document the show so that it didn't disappear, like you were saying before about live performance. But one of the people I talked to actually ended up being an artistic filmmaker, as opposed to a documentarian. She watched the archival footage, just a single camera of the show, and said, “I don't think you should do this again and film it with three cameras. I think you should make it into a feature film. And in fact, I think maybe I should direct it, because there's all this music in it and I also direct music videos.” We had this kind of mind meld. Joanna: Mm. Alicia: I never intended to make a film, but she is a visionary director and I had this piece of IP essentially, and all the music and the writing. We adapted it together. We did it here in Portland. We did all the fundraising ourselves. We did not interface with Hollywood really. I think that would be, I just can't imagine. I love Hollywood, but I'm not really connected, and I can't imagine waiting for someone to give us permission or a green light to make this. It was experimental and indie, so we just really did it on the cheap. We had an amazing producer who helped us figure out how to do it with the budget that we had. We worked really hard fundraising, crowdfunding, asking for donations, having parties to raise money, and then we just did it and put it out there. I think my main advice—and I hear this a lot on screenwriting podcasts—is just make the thing. Make something, as opposed to trying to get permission to make something. Because unless you're already in that system, it's going to be really hard to get permission to make it. Once you make something, that leads to something else, which leads to something else. So even if it's a very short thing, or even if it's filmed on your phone, just actually make the thing. That turned out to be the right thing for us. Joanna: Yes, I mean, I feel like that is what underpins us as independent creatives in general. As an independent author, I feel the same way. I'm never asking permission to put a book in the world. No, thank you. Alicia: Exactly. We have a vision and we do it. It's harder in some ways, but that liberation of being able to really fully create our vision without having to compromise it or wait for permission, I think it's such a beautiful thing. Joanna: Well, we're almost out of time, but I do want to ask you about creative confidence. Alicia: Hmm. Joanna: I feel I'm getting a lot of sense about this at the moment, with all the AI stuff that's happening. When you've been creating a long time, like you and I have, we know our voice and we can lean into our voice. We are creatively confident. We'll fail a lot, but we'll just push on and try things and see what happens. Newer creators are struggling with this kind of confidence. How do I know what is my voice? How do I know what I like? How do I lean into this? So give us some thoughts about how to find your voice and how to find that creative confidence if you don't feel you have it. Alicia: I love that. One thing I will say is that I always think whatever is arising is powerful material to create from. So if a lack of confidence is arising, that's a really powerful feeling to directly explore and not just try to ignore. Although sometimes one has to just ignore those feelings. But to actually explore that feeling, because AI can't have that, right? AI can't really feel a crisis of confidence, and humans can. So that's a gift that we have, those kinds of sensitivities. I think to go really deep into whatever is arising, including the sense that we don't have the right to be creating, or we're not good enough, or whatever it is. Then I always do come back to a quote. I think it might have been John Berryman, but I'm forgetting which poet said it. A younger poet said, “How will I ever know if I'm any good?” And this famous poet said something like—I'm paraphrasing—”You'll never know if you're any good. If you have to know, don't write.” That has been really liberating to me, actually. It sounds a little harsh, but it's been really liberating to just let go of a sense of “good enough.” There is no good enough. The great writers never know if they're good enough. Coming back to this idea of just making without permission—the practice of doing the thing is being a writer. Caring and trying to improve our craft, that's the best that we can have. There's never going to be a moment where we're like, yes, I've nailed this. I am truly a hundred per cent a writer and I have found my voice. Everything's always changing anyway. I would say, either go into those feelings or let those feelings be there. Give them a little tea. Tell them, okay, you're welcome to be here, but you don't get to drive the boat. And then return to the practice of making. Joanna: Absolutely. Great. So where can people find you and your books and everything you do online? Alicia: Everything is on my website, which is AliciaJo.com, and also on Instagram at @ohaliciajo. I'd love to say hello to anyone who's interested in similar topics. Joanna: Brilliant. Well, thanks so much for your time, Alicia. That was great. Alicia: Thank you. I love your podcast. I'm so grateful for all that you've given the writing world, Jo.The post Creative Confidence, Portfolio Careers, And Making Without Permission with Alicia Jo Rabins first appeared on The Creative Penn.

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    

In this episode of Derms and Conditions, host James Q. Del Rosso, DO, welcomes Lisa Swanson, MD, to explore how acne management continues to evolve and how newer topical therapies can be integrated thoughtfully from the outset. They begin with Dr Swanson highlighting an important clinical reality: acne is presenting at increasingly younger ages, prompting earlier conversations about skin care routines and long-term strategies. At the same time, dermatologists now have several truly novel topical options, an uncommon development in acne therapeutics over the past decade. Using a typical adolescent patient as a reference point, she then outlines the range of options she reviews in clinic: foundational topical regimens (retinoids, benzoyl peroxide combinations, clascoterone, topical minocycline foam, or fixed triple combinations), selective short courses of oral antibiotics, consideration of oral probiotics based on emerging data, and hormonal approaches in appropriate female patients. She emphasizes tailoring mechanisms when combining therapies; for example, pairing hormonal therapy with a topical that offers a complementary pathway. Dr Del Rosso revisits the 4 pillars of acne pathophysiology, highlighting androgen-driven sebum production as an upstream contributor. This leads to a focused discussion on clascoterone as the first topical androgen receptor inhibitor and how targeting sebum early may alter lesion development. Both clinicians stress that clascoterone is best viewed as foundational rather than adjunctive therapy, emphasizing the importance of setting realistic expectations on time to peak efficacy. The conversation also covers tolerability, barrier considerations, twice-daily adherence, and admixture data with common topical agents. Clinical pearls include setting early follow-ups to reinforce adherence, aligning office staff messaging, and using shared decision-making to balance patient priorities like oil control and pore appearance with mechanistic treatment goals. Tune in to the episode to hear real strategies for initiating acne therapy with intention, integrating newer topicals early, and guiding patients toward regimens that are both physiologically sound and sustainable in everyday practice.

Host: Darryl S. Chutka, M.D.  Guest: Balaji Tamarappoo, M.D., Ph.D.  With advances in oncology, patients are living longer than ever following a diagnosis of cancer. Newer treatments have dramatically improved survival. However, we're also seeing an increasing number of cancer survivors who are at risk for cardiovascular complications; at times during treatment, and sometimes years later. Complications such as heart failure, cardiac arrhythmias, hypertension, and accelerated coronary disease are not uncommonly seen in our primary care practice.  As primary care clinicians, what do we need to know? I'm joined today by Dr. Balaji Tamarappoo, M.D., Ph.D., a cardiologist with expertise in cardio-oncology. We'll discuss which cancer therapies pose the highest cardiac risks, what baseline and surveillance testing is recommended, if the risk of cardiotoxicity be decreased, and how primary care can partner effectively with oncology and cardiology to protect our patients' hearts while they battle their malignancy. The topic for today's podcast is “Cardiotoxicity of Cancer Therapies.”  Mayo Clinic Talks: Heart Health | Mayo Clinic School of Continuous Professional Development  Connect with us! Mayo Clinic Talks Podcast Season 6 | Mayo Clinic School of Continuous Professional Development 

Frank and Shirley break down the Survivor 50 pre-show cast and react to one of the most loaded returnee lineups in a long time. They go player by player, comparing old-school legends and newer-era standouts, and talk through who could adapt best to the modern game. The episode also gets into possible alliance paths, threat levels, and a few early winner picks before wrapping with final predictions.00:00 Intro and pre-show setup01:46 Christian Hubicki04:19 Cirie Fields07:52 Emily Flippen10:23 Jenna Lewis-Dougherty12:51 Joe Hunter16:34 Ozzy Lusth20:19 Rick Devens25:02 Savannah Louie28:13 Jonathan Young30:29 Dee Valladares33:02 Mike White36:29 Camilla39:18 Charlie Davis41:13 Tiffany Ervin42:03 Coach (Benjamin Wade)45:01 Chrissy Hofbeck46:14 Colby Donaldson50:37 Genevieve Marshall53:36 Rizzo56:53 Angela Perkins59:40 Q Burdette01:01:55 Stephenie LaGrossa Kendrick01:04:21 Kyle Fraser01:06:50 Aubry Bracco01:08:31 Final predictions and favorites01:09:38 Closing thoughts and outroSurvivor 50 feels like a true clash between old-school icons and modern players.Adaptability matters more than name recognition in a returnee season this stacked.Social flexibility and threat management are the biggest themes in Frank and Shirley's breakdown.Several legends still have upside, but they will need to adjust to the faster pace of the current game.Newer-era players may have an edge because they already understand the modern format.Tiffany, Dee, Kyle, and Genevieve come up as strong contenders with real winning paths.Big personalities like Coach, Q, and Devens could either control the season or become early targets.“Today we are talking the pre-show for Survivor 50.”“Leaner and more focused on the mental game.”“Tiffany got shafted.”“Will they be star struck?”If you enjoyed this Survivor 50 cast breakdown, make sure to subscribe, leave a review, and share the episode using #OutlastPodcast. It helps more Survivor fans find the show and join the conversation.GeekFreaksPodcast.com is the source of all news discussed during our podcast.Instagram: @geekfreakspodcastTwitter: @geekfreakspodThreads: @geekfreakspodcastFacebook: Geek Freaks PodcastPatreon: Geek Freaks PodcastWe want to hear from you for the next episode:Who are your top 3 winner picks for Survivor 50 right now?Which returning legend do you think has the best shot to adapt to the modern game?Which player do you think is being overlooked?Survivor 50, Survivor cast breakdown, Survivor pre show, Outlast Podcast, Survivor returnees, CBS Survivor, reality TV podcast, Survivor strategy, Geek Freaks, Survivor predictionsTimestamps and TopicsKey TakeawaysQuotesCall to ActionLinks and ResourcesFollow UsListener QuestionsApple Podcast Tags

On this week's Five Minute Friday, we are talking about transitioning your skincare routine to attune for the incoming spring season. During the winter months, our skin is typically very dry due to the cold weather. The harsh winds and lower temperatures irritate and dehydrate our face, requiring us to use more heavy moisturizers to retain moisture. However, as we switch to the nicer springtime months, we can begin incorporating new skincare techniques such as glycolic washes or dermaplaning to wipe away our dull, winter skin. Newer seasons, call for new skincare practices. Listen on to hear my tips and tricks for ensuring your spring beauty!

Welcome to RetroLogic! I'm Dan Caporello here with John Cummis and Shannon Eno and Sam Wagers, alongside special guest: author of the Definitive Book of SNES RPGs vol 1 Moses Norton AKA The Well Red Mage   But RetroLogic isn't just a podcast. It's a community of retro gamers! - We've got an active, friendly, and free discord. - Giveaways - Contests - AND Dive into our family of Retro podcasts! Like RetroGroove, a music history podcast, and On Topic Retro, a podcast dedicated to 1 video game per episode hosted by our very own John Cummins. - you can find everything at our website retrologic.games Tell me one thing that happened this week!   Housekeeping   Sam: Streaming Armored Core (Mon) and Path of Radiance (Sat)  Ham Ham Heartbreak Saturday!   On Topic Retro: Zelda Phantom Hourglass   RetroGroove:Albums of the year: 1975, 1985, 1995, 2005, 2015, 2025   FilmLogic: The Adventures of Buckaroo Banzai   The Price Is Retro - 17:40 If this is your first time playing Price Is Retro, here's how we play. I'm going to list off 4 or 5 games and everyone has to guess how much the lot is worth in total. Whoever is closest to the actual value wins that round! Everyone has a list and everyone guesses on each other's list. At the end, the player that won the most rounds wins the episode! But watch out for the robot Deus Guess Machina! He averages all of our guesses together for his own guess Dinosaur - Leonard - adds up original costs, retail value Ghost - Polterguest - always guesses 300 Shan's list Sam's list Dan's list - 1 John's List - 1 Moses List - 2 Rampage - 1 Sam's Spot the Fake   Break: 50:10   Show Topic- Game Genres WRM - How did you choose what games to include in the book? (What is an RPG anyway?)   RPG Edge cases - discuss   What's the point of classifying genres anyway? -group like things together -help people find more things they like   -Is Game genre the same sort of thing as genre in other media?(film, literature, art, cuisine) -notably, some other media can distinguish genre from things like "movements" (landscape is a genre, cubism is a movement) –for that matter, does food have genres? How different genres get defined: (maybe) JRPG vs CRPG: (?)  Broad focus :  Action, strategy, puzzle, Adventure, Stealth, Racing Mechanical elements: (turn based strategy vs. real time strategy) Camera? (1st person shooter vs third person shooter) Theming/aesthetics: Horror, Cozy(?), Sports(?)   Newer genre terms: Metroidvania, Roguelike/Roguelite, MOBA, Soulslike Platform Fighter (sometimes tied to claims about smash bros. legitimacy as a competitive fighter What do we call Culdcept/Dokapon/Fortune Street? Genre Hybrids:  are these genres or just descriptors?   NES color guide:   Community Couch Thanks for listening to the RetroLogic Podcast! We are proudly part of the Nintendo Dads family of podcasts. If you like what you hear, check me out on Bluesky at @retrologicgames.bsky.social. You're also welcome to jump into our friendly and 100% non-toxic Discord Community! The link to that is in my Blusky bio. You can also find everything on our website Retrologic.games  

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.

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.

The Diesel Performance Podcast is back! Chris Ehmke and Anthony Bruneni have resurrected the show and we have plans that will make our fellow diesel enthusiasts excited for what the future holds. Interviews, horsepower recipes, diesel events, competitions. Get ready! First off, we reintroduce ourselves with what has been happening around the industry with tuning (specifically the 2024+ L5P, 2023+ Powerstrokes, and the 3.0L Duramax). The boys also discuss what 2027 is looking like in regards to change for diesel truck makers. We are stoked to be back! If you have anything you want us to cover or discuss, leave a comment, message our podcast Facebook page, or reach out to any of us. We look forward to a new chapter of the Diesel Performance Podcast!

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In this episode of The FasterFreedom Show, Lucas is back solo pod style (while Sam is still out sick) to break down the 4 biggest challenges newer real estate investors are facing right now—the real issues he sees come up again and again with people trying to get traction in today's market.He starts with the foundational problem most investors never slow down to solve: not being clear on what they actually want or why they're investing in the first place. From there, he digs into cash flow realities, cash management mistakes, and the growing feeling that many newer investors carry—that they're somehow already behind before they've even really started. He then explains how these challenges compound, and more importantly, how experienced investors think and operate differently to push through them.Then the conversation shifts gears into a full NFL Playoffs preview. Lucas breaks down the matchups, storylines, and momentum heading into the postseason before locking in his Super Bowl picks and sharing which teams he trusts when it matters most.From investor mindset and money management to playoff football, this episode blends practical real estate insight with the fun, conversational sports talk that's become a staple of the show.FasterFreedom Capital Connection: ⁠https://fasterfreedomcapital.com⁠Free Rental Investment Training: ⁠https://freerentalwebinar.com⁠