Podcasts about npn

Broker Brett and CStone (Craig Fulmer) talk The Masters, America's Top 91-100 Golf Course notes from the 2005 Golf Magazine Top-100 list (versus Golf Digest), and Craig shares some Bel-Air Country Club stories and great run-ins he had there throughout the years. 100 - Salem - Peabody, Mass - (designer) - Doland Ross99 - Indian Wood (old) Lake Orion, MI - Wilfrid Reid and his partner William Connellan98 - Galloway National - Galloway Township, NJ - Tom Fazio97 - Atlantic - Bridgehampton, NY - Rees Jones96 - Bellerive - Crave Coeur. MO - Robert Trent Jones, Sr.95 - Milwaukee - River Hills, WI - various architects94 - Ridgewood (West/East) - Paramua, NJ - A.W. Tillinghast93 - Bel-Air - Los Angeles, CA - Alphonzo Bell92 - Laurel Valley - Ligonier, PA - Arnold Palmer91 - Firestone (South) - Akron, OH - Bert Way Thank you to our sponsor SmarterRisk, Smarter Risk makes Workers' Compensation and commercial insurance risk assessments fast and inexpensive.  Please use "brokerbrett" for insurance agents, "cstone" for small business owners, and "insnerds" for Insurance Carrier discounts. Thank you to my personal and our unofficial sponsors SmartChoice, BrokerInsights, and the Insurance Nerds for having me around the teams.Brett Fulmer ||  Office Dir: (949) 209-5661 || brett@brokerbrett.comCA Insurance License # 0I83384, licensed in all 50 states, NPN # 17234208

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Broker Brett talks Golf Sales and Augusta National with his Dad Craig "CStone" Fulmer,  it's a reintroduction to the podcast and a trailer for the upcoming series.  Brett's Dad Craig is a career commission salesman and scratch golfer, he's played 99 of the top 100 courses in America.On this episode, they talk about Augusta National and The Masters.  They'll be following it up with a 10-episode series covering 10 of the top 100 courses at a time.Thank you to our sponsor SmarterRisk, Smarter Risk makes Workers Compensation and commercial insurance risk assessments fast and inexpensive.  Please use "brokerbrett" for insurance agents, "cstone" for small business owners, and "insnerds" for Insurance Carrier discounts.Thank you to my personal and our unofficial sponsors SmartChoice, BrokerInsights, and the Insurance Nerds for having me around the teams.Brett Fulmer ||  Office Dir: (949) 209-5661 || brett@brokerbrett.comCA Insurance License # 0I83384, licensed in all 50 states, NPN # 17234208

Send us a textEngaging women entrepreneurs and health advocates, our latest episode features the award-winning Aeryon Ashlie, founder of Aeryon Wellness Supplements. We delved into the importance of NPN certifications and supporting Canadian products, navigating business challenges, and empowering women through education.Aeryon Ashlie is an acclaimed holistic nutritionist, keynote speaker, and #1 Best Selling Author, and is known as the visionary force behind Aeryon Wellness Supplements. As the founder of Aeryon Wellness, she has championed holistic health for women from diverse backgrounds for nearly two decades.With a mission to "Empower Women with Holistic Health," her company offers 100% all natural, scientifically formulated, 3rd party tested, support supplements designed by women, for women. The innovative use of QR codes on their products, aimed at revolutionizing education and support for women on their wellness journey, garnered three offers on CBC's Dragons' Den in 2021.You can learn more about Aeryon Wellness on their website. You can also connect with Aeryon on LinkedIn.You can connect with Julie on LinkedIn or Instagram. Find Julie's writing at her blog or by ordering her book Big Gorgeous Goals. Watch for the Big Gorgeous Goals: Official Workbook coming March 2025.What did you think of this conversation? We'd love if you'd rate or review our show!

If DOGE Called, Here's How To Fix Healthcare in the USA Stay ahead in today's complex financial landscape with Jae's Corner! In this video, Jae, a certified financial planner and author of 'Maximize Your Medicare,' breaks down critical financial strategies, risk management techniques, and investment insights. Discover how understanding benefits like COBRA, Medicaid, and Medicare can save you thousands, and learn why flexibility and awareness are crucial during economic uncertainty. Ideal for investors, financial enthusiasts, and anyone navigating financial decisions, this video offers clear, practical advice to boost your financial literacy and security. Subscribe for more expert guidance!My research note for the Alliance for Lifetime Income: https://www.gh2benefits.com/my-note-alliance-for-lifetime-income/Chapter List:00:00 Introduction to Jae's Corner and Financial Planning10:00 The White Collar Recession: Job Loss and Financial Impact20:00 COBRA and Health Insurance Options Explained30:00 ACA, Medicaid, and Tax Credit Strategies40:00 Navigating Market Volatility and Financial Stability45:00 Medicare Overview: Prescription Drug Benefits and Pitfalls50:00 Impact of Government Policies on Health Coverage55:00 Financial Planning for Unemployment and Job Transitions01:00:00 Strategies for Managing Healthcare Costs and Risks01:05:00 Conclusion: Key Financial Takeaways and Next Steps✅ Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s✅ Let's connect: https://linktr.ee/jaeohcfp✅ Join America's Cardroom and get a huge deposit bonus: https://bit.ly/3Plb9bz✅ Free Prescription Discount Card: https://bit.ly/3vv2gpi✅ 2nd Free Prescription Discount Card: https://bit.ly/3NWIBp8✅ Free Term Life Insurance Quote: https://bit.ly/37xaYJL✅ Free Instant Short-Term Disability Quote: https://bit.ly/34O8EwY✅ Your private appointment https://calendly.com/justjae/ ✅ Free Medicare Guidance: https://bit.ly/3OpfOtG✅Link to Free Quoting Tool: https://bit.ly/FreeACATool

In this episode, Nikki chats with Michelle Yates, EVP at Pet Partners, about the magic of pet-friendly perks in the workplace.

In episode #95 of Work Comp Talk, Carmen Ramirez sits down with Workers' Comp Attorney David Mojica to discuss if you can choose your own doctor within the California's Workers' Compensation System. This is one of the most asked questions injured workers ask.  ☎️ Need help with your Workers' Comp? Call our team 800-606-6999.Schedule your free, confidential consultation here:   https://pacificworkers.co/book-your-appointment/ Some of the questions they address are: Is it legal to consult your personal doctor for work-related injuries and what are the financial implications of doing so, and the benefits of sticking with doctors within the Medical Provider Network (MPN)? The discussion then shifts to what injured workers can do if they are unhappy with their current MPN doctor, including the process for changing doctors and the complexities involved in rural areas where specialized care may be limited. They also emphasize the vital role of attorneys in navigating the workers' compensation system, helping ensure that insurance companies comply with laws and don't take advantage of injured workers. Real-life examples are shared, including a case where an insurance company was sanctioned for failing to fulfill their obligations, highlighting the potential penalties and sanctions for non-compliance. This episode is an essential listen for anyone navigating the complexities of workers' compensation in California, it provides valuable insights and actionable tips to ensure fair treatment and adequate compensation.

Recorded live inside UCLA's Royce Hall, the audio drama at the center of this episode takes place in southern California the immediate aftermath of the 2022 shooting at Robb Elementary School in Uvalde TX. Tiffany struggles to balance the need to protect her young children with the urgency of finishing her doctoral dissertation, which is itself related to school shootings. After the performance, actors Natalie Camunas and Sola Bamis are joined by guests Marine Corps veteran Tess Banko and Army veteran Robert Ham to discuss the implications, for parents and veterans in particular, of school shootings becoming commonplace. "Tiffany" is based on the oral history of retired Air Force Captain Jessica Huerta. Jessica, who is also a PhD student in Sociology, joins the discussion as well. The conversation unearths provocative questions about cultures of hyper-masculinity, and the need to balance our freedoms and responsibilities regarding guns. Chapters: 00:00 - Introduction 01:56 - Audio drama: "Tiffany" 10:43 - Discussion with Tess, Robert, and Jessica 23:16 - Conclusion 25:23 - Thank you's and credits   Guest Bios: Jessica Huerta enlisted in the Air Force shortly after 9/11. Often she was the only woman in airfield-communications teams, among leaders in security forces, as the wing equal opportunity adviser, and as a public affairs officer. As a citizen-airman, a sociology doctoral candidate at UCLA, and a parent, she became aware of the discrimination fathers face when they seek deep emotional connections with their families and greater involvement in childcare. Jessica believes research to demonstrate the strategies fathers use to defy rigid gender rules could greatly improve the lives of men, their partners and their children across our military, veteran and civilian communities.   Tess Barragan Banko, MSW/MPA, a Marine Corps veteran, serves as the U.S.VETS West Los Angeles project director and The Veterans Collective community development director. A survivor of post-traumatic stress disorder and military sexual trauma, Banko deeply identifies with fellow veterans and families on their paths to recovery, wellness and empowerment, and is honored to serve the community on behalf of her military and veteran sisters, brothers and their families.    Robert Ham is a 4x Emmy winning director/writer, a decorated Army Combat Veteran and an alumni of the USC School of Cinematic Arts MFA program. During his time in the military he served a combat tour to Afghanistan in '09-10 and then would deploy to over a dozen areas in the Pacific. Robert received the Department of Defense Military Videographer of the Year award three times (the highest decoration for military story-telling), the most in Army history. Resources: Dan Froot & Company Collaborators: Producer, Artistic Director, Lead Writer: Dan Froot Actors: Justin Alston, Sola Bamis, Natalie Camunas, Krysta Gonzales, Donna Simone Johnson, Anthony Rey, Christopher Rivas Dramaturg: Bobby Gordon Composer: Julio Montero Musicians: Julian Gomez, Tom Moose, Isaac Rodriguez Sound Designer: Duncan Woodbury Oral Historians: Tula B. Strong, Rufio Vasquez Administrative Magician: Annie Kahane Social Media Manager: Lily Stockton Publicist: Lynn Tejada of Green Galactic Recorded, mixed, and mastered at ReadyMix Studio in Van Nuys CA. Please like, rate, and review us on Apple Podcasts! DM us on Instagram: @danfrootandcompany This podcast is supported in part by the National Endowment for the Arts, on the web at arts.gov, and is made possible in part by a grant from the City of Los Angeles, Department of Cultural Affairs, the Los Angeles County Board of Supervisors through the Los Angeles County Department of Arts and Culture, the UCLA Department of World Arts and Cultures/Dance, the UCLA Office for Research & Creative Activities and the Chancellor's Council on the Arts. Arms Around America is a National Performance Network Creation & Development Fund Project co-commissioned by Miami Light Project in partnership with The Myrna Loy (Helena MT), the UCLA Center for the Art of Performance, and NPN. The Creation & Development Fund is supported by the Doris Duke Charitable Foundation, the Andrew W. Mellon Foundation, and the National Endowment for the Arts (a federal agency). For more information, visit http://www.npnweb.org. Arms Around America was created with funding by the New England Foundation for the Arts' National Theater Project, with lead funding from The Andrew W. Mellon Foundation and additional support from the Doris Duke Charitable Foundation.

Dan Froot and special guests, Refujio "Cuco" Rodriguez and Bryonn Bain, explore how guns shaped the lives of two brother living in Miami's Liberty City neighborhood. The jumping-off point for the converstion is Dan Froot & Company's short audio drama "Rich & Dave," based on the brothers' oral history. Rich and Dave struggle with the emotional toll of gun violence in their community, managing family responsibilities while charting a path away from troubled pasts. The drama highlights their familial bond, the pressures of their environment, and the pervasive presence of guns, even when not visible. Following the audio play, Dan discusses the broader entanglements of gun violence, race, and the prison-industrial complex with guests Justin Alston, Refujio Rodriguez, and Bryonn Bain. They emphasize the importance of empathy, understanding systemic racism, the need for community resources to address the root causes of violence, and the case for prison abolition. Through personal stories and informed insights, the episode suggests that acknowledging each other's humanity could transform the gun debate. It is an appeal for dialogue and support over judgment and punishment. Chapters: 00:00 - Introduction 02:41 - Audio drama: Rich & Dave 14:05 - Dan and Justin frame the discussion 15:30 - Introducing Refujio Rodriguez 18:40 - Introducing Bryonn Bain 28:11 - Dedication from the real-life Rich 31:58 - Thank you's and credits Guest Bios: Refujio “Cuco” Rodriguez is the Chief Strategist & Equity Officer at Hope and Heal Fund. He has served as a Program Officer for the W.K. Kellogg Foundation, division chief and ethnic services manager with the Santa Barbara County Department of Behavioral Wellness, where he established Santa Barbara's first Latino Mental Health Consumer and Family Advocacy Network in order to engage Latino stakeholders. Bryonn Bain is a scholar, activist, theater director, actor, writer, producer, and spoken word artist. He uses the arts and activism to build movements for justice, criminal justice reform, prison education, and abolition. As the founding director of the UCLA Prison Education Program, Bain has drawn on his decades of work in prisons to establish opportunities for higher education, the arts, and research in southern California prisons. Resources: Dan Froot & Company Collaborators: Producer, Artistic Director, Lead Writer: Dan Froot Actors: Justin Alston, Sola Bamis, Natalie Camunas, Krysta Gonzales, Donna Simone Johnson, Anthony Rey, Christopher Rivas Dramaturg: Bobby Gordon Composer: Julio Montero Musicians: Julian Gomez, Tom Moose, Isaac Rodriguez Sound Designer: Duncan Woodbury Oral Historian: Tula B. Strong Administrative Magician: Annie Kahane Social Media Manager: Lily Stockton Publicist: Lynn Tejada of Green Galactic Recorded, mixed, and mastered at ReadyMix Studio in Van Nuys CA. Please like, rate, and review us on Apple Podcasts! DM us on Instagram: @danfrootandcompany This podcast is supported in part by the National Endowment for the Arts, on the web at arts.gov, and is made possible in part by a grant from the City of Los Angeles, Department of Cultural Affairs, the Los Angeles County Board of Supervisors through the Los Angeles County Department of Arts and Culture, the UCLA Department of World Arts and Cultures/Dance, the UCLA Office for Research & Creative Activities and the Chancellor's Council on the Arts. Arms Around America is a National Performance Network Creation & Development Fund Project co-commissioned by Miami Light Project in partnership with The Myrna Loy (Helena MT), the UCLA Center for the Art of Performance, and NPN. The Creation & Development Fund is supported by the Doris Duke Charitable Foundation, the Andrew W. Mellon Foundation, and the National Endowment for the Arts (a federal agency). For more information, visit http://www.npnweb.org. Arms Around America was created with funding by the New England Foundation for the Arts' National Theater Project, with lead funding from The Andrew W. Mellon Foundation and additional support from the Doris Duke Charitable Foundation.

Welcome to another captivating episode of "F-Stop Collaborate and Listen." This week we delve deep into the lush landscapes of Japan with the extraordinary Mark Davis, a 24-year veteran of the U.S. armed forces turned passionate forest photographer. In this episode, we'll explore how Mark, now settled outside Tokyo with his family, has navigated his struggles with PTSD and the challenges of a military career through the lens of his camera, finding sanctuary amidst the serene Japanese beech trees. Together, we'll unpack the cultural nuances of photography in Japan—a place where silence and respect for nature prevail, where a deep curiosity about the subject matter reigns, and where community and connections pave the way for opportunities, including exciting photography workshops Mark plans to continue. We'll tap into the importance of mentorship and how seeking honest feedback transformed Mark's work, confronting ego and the crucial learning that comes from intimate knowledge of your environment. Mark shares anecdotes about the humorous side of language barriers, how he sidesteps the social media algorithm game to focus on content, and offers sage advice on networking. Listen in as we contrast the Japanese approach to nature with the West's, discuss the integration of military precision and spontaneity in photography, and highlight the mental health benefits of connecting with nature. Links 1. NPN: use the code FSTOP10 for a 10% discount 2. Support the show on Patreon 3. Subscribe for e-mail updates 4. Sho Hoshino 5. Misaki Nagao 6. Bill Ferngren 7. Kristin Weinhold 8. Jared Boaz 9. Yokota Shinji 10. David Thompson

This week, Dana has a discussion about Urea use in beef cattle diets with Dr. Dave Lalman. Resources: Considerations of Urea Use in Beef Cattle Diets – SDSU Article Urea and NPN for Cattle and Sheep – Colorado State Article A Comparison of Cottonseed Meal and Urea in Low Protein Winter Range Supplements for Cattle [ Read More ]

This Property & Paper LIve was focused on investing in institutional non-performing notes with my co-host, Sri Gandla. It's interesting to hear how he went from an IT professional for Fannie Mae, to buying notes full time. He's a smart guy and has put in a lot of effort to learning about and creating relationships. I learned a lot from him and you will too!! 03:06 - Special guest, Sri Gandla, shares how he got started with note investing? 06:23 - How institutions move paper on the secondary market versus owner carry paper. 11:31 - Palmdale, California Note Deal Review. 25:57 - Licensing requirements to be a debt collector.  30:50 - Overview of Statute of Limitations for Mortgages and Notes. 32:35 - Great resource for any note investment questions - https://www.facebook.com/groups/NoteandRealestateInvesting/ 33:51 - 2024 Market Predictions, following the data. 41:23 - The evolution of note education.     43:48 - Deal Review: Statute of Limitations on a reverse mortgage??? 45:25 - How banks fail and can lose their assets? 49:22 - Carson City, Navada Note Deal Review. 58:19 - What is Dodd-Frank Compliance? 01:01:48 - How to get in touch with Sri Gandla? 01:02:14 - Free Resources from the Note Queen.

We're back after the break with a rousing discussion of what lies ahead for 2024, notable achievements, the relative state of food safety, and congratulations to several key food industry players for their accomplishments.Our guest, Aeryon Ashlie, CEO and Founder of Aeryon Wellness Support Supplements tells us about her life of fitness and wellness and the impact of changes in the natural supplement aisle and shares tips on living a healthier and happier life.About AeryonAeryon Ashlie's remarkable journey is a testament to resilience, innovation, and an unwavering commitment to empowering women with holistic health choices. As the CEO and Founder of Aeryon Wellness Support Supplements, Aeryon leverages her vast 20+ years of experience in the Canadian Health Food Industry to support her mission. Her personal struggle with eating disorders for over 25 years serves as a poignant catalyst for her endeavors, fueling her desire to create a company that goes beyond merely providing supplements. Despite launching her brand only in 2019, Aeryon's deeply rooted connections in the industryhave facilitated an astounding growth rate of 500% year on year for her brand. Aeryon Wellness, under her stewardship, has become a sanctuary for women pursuing sustainable health and wellness. Aeryon's innovative approach to wellness and her passion for her mission caught the eye of CBC's Dragons Den in December 2021, leading to her walking away with three offers anda deal with Arlene Dickenson.  Aeryon' s trailblazing efforts were further recognized at CHFA NOW West 2022 when AeryonWellness won the Innovative Product of the year award for the launch of Up and Away, Canada's first 100% Boric Acid Kit plus The Agent of Change award for their contributions to The Downtown Eastside Women's Shelter. In May 2023, she triumphed at The Total Mom Pitch at the Canadian Women's Entrepreneur Gala, securing 50k in prizes. Aeryon's exceptionalcontributions to the field also earned her nominations for CHFA Women of Influence and RBC's Women of influence in September. Residing in Vancouver, BC, Aeryon balances her demanding professional life with her role as a full-time mother to her daughter, Mekaella, who is frequently seen accompanying her at tradeshows and events. Aeryon's passion for educating women serves as the cornerstone of Aeryon Wellness. The brand is more than just a supplier of wellness products; it is a platform for learning and empowerment. Aeryon takes this mission across the country through weekly seminars held in stores and at various events throughout Canada. These gatherings are more than just promotional events - they are educational forums where women can learn about health, wellness, and the importance of self-care in a supportive and encouraging environment. The seminars are yet another testament to Aeryon's commitment to spread awareness about sustainable health and help women take control of their well-being.About UsDr. Sylvain Charlebois is a Professor in food distribution and policy in the Faculties of Management and Agriculture at Dalhousie University in Halifax. He is also the Senior Director of the Agri-food Analytics Lab, also located at Dalhousie University. Before joining Dalhousie, he was affiliated with the University of Guelph's Arrell Food Institute, which he co-founded. Known as “The Food Professor”, his current research interest lies in the broad area of food distribution, security and safety. Google Scholar ranks him as one of the world's most cited scholars in food supply chain management, food value chains and traceability.He has authored five books on global food systems, his most recent one published in 2017 by Wiley-Blackwell entitled “Food Safety, Risk Intelligence and Benchmarking”. He has also published over 500 peer-reviewed journal articles in several academic publications. Furthermore, his research has been featured in several newspapers and media groups, including The Lancet, The Economist, the New York Times, the Boston Globe, the Wall Street Journal, Washington Post, BBC, NBC, ABC, Fox News, Foreign Affairs, the Globe & Mail, the National Post and the Toronto Star.Dr. Charlebois sits on a few company boards, and supports many organizations as a special advisor, including some publicly traded companies. Charlebois is also a member of the Scientific Council of the Business Scientific Institute, based in Luxemburg. Dr. Charlebois is a member of the Global Food Traceability Centre's Advisory Board based in Washington DC, and a member of the National Scientific Committee of the Canadian Food Inspection Agency (CFIA) in Ottawa. About MichaelMichael is the Founder & President of M.E. LeBlanc & Company Inc. and a Senior Advisor to Retail Council of Canada and the Bank of Canada as part of his advisory and consulting practice. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, Today's Shopping Choice and Pandora Jewellery.   Michael has been on the front lines of retail industry change for his entire career. He has delivered keynotes, hosted fire-side discussions with C-level executives and participated worldwide in thought leadership panels. ReThink Retail has added Michael to their prestigious Top Global Retail Influencers list for 2023 for the third year in a row. Michael is also the president of Maven Media, producing a network of leading trade podcasts, including Remarkable Retail , with best-selling author Steve Dennis, now ranked one of the top retail podcasts in the world. Based in San Francisco, Global eCommerce Leaders podcast explores global cross-border issues and opportunities for eCommerce brands and retailers. Last but not least, Michael is the producer and host of the "Last Request Barbeque" channel on YouTube, where he cooks meals to die for - and collaborates with top brands as a food and product influencer across North America

Guests: Dr. Limin Kung, University of Delaware, and guest Bonni Kowalke, Stem Ag ConsultingOur Real Science Exchange pubcast always has leading scientists and industry professionals discussing the latest ideas and trends, and tonight, we have two distinguished guests. Dr. Limin Kung and Bonni Kowalke join us to discuss wild yeasts in silage.Dr. Kung begins by giving an overview of the impacts of wild yeast on silage, where they're either going to anaerobically ferment sugars to ethanol or aerobically; these wild yeasts can lead to spoiled silages and spoiled TMR. (8:32)Bonni and Limin then go on to detail management strategies and practices for reducing the impacts of wild yeast on silage and TMR, including harvest speed, silage moisture content, pack density, feed-out rate, and additives. (10:59)Bonni gives her perspective as a consultant about how she works with clients ahead of silage harvest to be able to prevent wild yeast infestation or any other problems. Most of her notes come right after harvest is finished with a list of things the farm wants to do differently next time, which she likens to a game plan for a team sport. (18:09)Dr. Kung describes how to determine if you have an issue with wild yeast in silage. Primarily, one would see aerobic instability via heating and perhaps molding. There will be a distinct telltale odor as well. Unfortunately, there is no on-farm test; samples must be sent to the lab for analysis. (23:10)Limin and Bonni give their top issues in regard to silage quality that they see in the field, along with ways to help producers get the very best quality silage off their fields each year. (26:40)This takes a turn into a discussion about how drone technology could be used in the future for perfecting silage moisture content predictions in the field before chopping. (32:02)Scott asks Bonni and Limin about the addition of NPN (such as urea or anhydrous ammonia) or sugar sources (such as molasses) to silage and what kind of impact that might have on silage quality. (37:24)Bonni gives an overview of silage inoculants and additives. (47:13)Limin and Bonni conclude by comparing the stability of legume silages and corn silages, an overview of inoculation best practices, and their take-home messages to ensure high-quality silage. (51:28)As mentioned in the show, Bonni Kowalke's contact information at Stem Ag Consulting is bonni@stemagconsulting.com.Please subscribe and share with your industry friends to bring more people to join us around the Real Science Exchange virtual pub table.  If you want one of our new Real Science Exchange t-shirts, screenshot your rating, review, or subscription, and email a picture to anh.marketing@balchem.com. Include your size and mailing address, and we'll get a shirt in the mail to you.

Market Glue Falls Apart All At Once I left breadcrumbs for you, the entire time. These can all be found on this newsletter, and now sit on gh2benefits.com. Stronger Dollar Sounds Great, But May Not Be September Is “Suddenly” Nasty Theory Alone Does Not Pay Bills Mr. Market Has Given Many People A Gift Take A Wild Guess What I'll Say r is now not only much higher, but it is unstable. The smart guys in the room can plan on a slowly, stable higher r. But higher and unstable r? Nope. Risky assets have taken note. ✅ Let's connect: https://linktr.ee/jaeohcfp ✅ Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s ✅ Join America's Cardroom and get a huge deposit bonus: https://bit.ly/3Plb9bz ✅ Free Prescription Discount Card: https://bit.ly/3vv2gpi ✅ 2nd Free Prescription Discount Card: https://bit.ly/3NWIBp8 ✅ Free Term Life Insurance Quote: https://bit.ly/37xaYJL ✅ Free Instant Short-Term Disability Quote: https://bit.ly/34O8EwY ✅ Your private appointment https://calendly.com/justjae/ ✅ Free Medicare Guidance: https://bit.ly/3OpfOtG ✅Link to Free Quoting Tool: https://bit.ly/FreeACATool

Pet owners complain about the rising cost of veterinary prices. What's to blame? This is a special bonus episode of What People Do that I've produced as a part of sponsored content for Animal Health Digest, a premier content curation service collecting and commenting on actionable information for people working in animal health.   I talk with Dr. Jennifer Sperry about the rising cost of veterinary care. Pet owners often say they're shocked and unprepared for the bill when they visit their local veterinary hospital. How can they cope? And what should they know about why costs are rising? Dr. Sperry is a veterinarian and a veterinary advisor at Independence Pet Group. IPG has several pet insurance brands specifically designed to help manage the risk of costs for services at veterinary practices. We discuss an opinion piece she has drafted with her perspective on five reasons for these increasing costs other than inflation. Agree? Disagree? Let's get into it ...  Further reading: Dr. Sperry's short opinion piece is available to read in the Digital Resources section at vet.aspcapetinsurance.com. Read more from the Animal Health Digest and subscribe here (it's free!). Final notes: ASPCA® Pet Health Insurance is a sponsor of Animal Health Digest, and we (and they) wanted to make sure the legal details made it in. So, please note ...  Dr. Sperry's policy covers eligible treatments for new and unexpected accidents and illnesses, including exam fees, prescriptions, hospitalization, surgery, referrals, alternative medicine*, prescription food*, and medical devices* (*are sublimited). Her policy limit is $5,000 annually with a $100 deductible and 10% coinsurance. Dr. Sperry had already met her deductible and had not yet exceeded her $5,000 annual limit in the example mentioned during this podcast. Plan premiums may vary based on location, your pet's breed and age, and the plan type, plan variables including annual deductible, annual limit, and reimbursement rate. The premium and reimbursement example from the podcast was based on the annual deductible being met in full. Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions, visit https://www.aspcapetinsurance.com/more-info/sample-plans-for-dogs-cats/. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout. Insurance products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and produced and administered by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937). The ASPCA is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA's marks and is not a charitable contribution. 

Are you an agent looking to add doctors and physicians to your list of clients? This episode is for you. Dr. Faiz Shareef of My Express Clinic joins me on the show. We share an in-depth discussion on what doctors look for when investing in real estate, especially luxury. Dr. Shareef is the CEO and the president of the NPN group. He has clinics in various states and plans to expand to 48 more states. According to him, some things doctors and physicians look for when investing in real estate include proximity to the clinic, work-life balance, and social integration. If you are an agent looking to increase your average sales price and work with doctors, here are some pointers to expand your business. Grab your notebook and pen. You’re going to want to take some notes. "Respect people. They come to you for help. Help them. Don’t be judgmental.”- Dr. Faiz Shareef Three Things You’ll Learn From the Episode Proximity to a clinic/workplace is one of the most important things for doctors when deciding where to buy a home. As a Realtor, you need to be trustworthy. Your clients trust you with their valuable homes, and others trust you to get the best homes for them. If you want to succeed as an agent, you need to learn how to listen to your clients without being judgmental. Connect with Dr. Shah: Website: http://myexpressclinic.com/

This is a great interview (about 40 min) about Zensa numbing cream (Zensa lidocaine cream) with Nabil Khan, Senior Sales Development at Alera Skin.  We sell Zensa lidocaine to our clients at Spa Olivia to use prior to laser hair removal, waxing or sugaring if the client wishes to reduce any discomfort from treatments.  The cream is applied at home and they come to the appt with the cream on covered with a layer of saran wrap to help the cream absorb.  This is for the client's benefit (easier, more comfortable and quicker service) as well as our benefit (upsell, easier, more comfortable and quicker service) We discuss the creation of Zensa and how we  were introduced to this product.  We met Nabil at the Montreal ESI spa show in 2016 and we have been a client ever since. Nabil and I discuss:What are the active ingredients in Zensa?Is it Heath Canada and FDA approved?How to apply?How long does it take to work?How long does it last?What about concerns about vasoconstriction issues with  numbing solutions?variety of other uses for Zensa such as relieving itching and sunburnsHow they provide support to their vendorsAlera also has a post treatment cream called Zensa Healing Cream which is an all natural product with an NPN (Natural Product Number) from Health Canada.  It can be used post eczema, psoriasis and rosacea and can be found in the first aid aisle at your local pharmacy along with other vendors.Follow Zensa at @zensaskin and Nabil at his personal Instagram @nabilkhan18 www.zensaskincare.com

Welcome to Season 9 Episode 1 of the Naked Notes Podcast!  Jasmine and Shelby are back with Season 9 to get right into the current state of the secondary mortgage market.  Tune in to hear the ladies break down the latest mortgage and foreclosure numbers and relate that to the everyday life of the individual note investor.  The ladies get down and dirty sharing their insight on when the next round of NPN's is coming!...shhh....it's not when you think;)!   Listen each week to the NAKED NOTES PODCAST to get the latest tips and tricks on making seven figures and beyond in the world of distressed debt.    NAKED NOTES YOUTUBE NAKED NOTES FACEBOOK NAKED NOTES SHOWNOTES

Niche communities exist for the purpose of providing education, resources, and a sense of belonging. The need for these communities is greater than ever in our age of polarization on social media and the impersonal interactions often found there. In the nature photography space, no better community exists than on Nature Photographer's Network (NPN). On today's podcast episode, I sit down with the owner of NPN, David Kingham, and the Editor for NPN, Cody Schultz, to discuss photography communities, critique, and the launch of Nature Vision Magazine.  On this week's episode, we discuss: The meaning of community as it relates to nature photography. The value of belonging to a community. The benefits of becoming a member of Nature Photographer's Network, and a discussion on what has changed at NPN as of late. The value of critique and how to get the most out of it. Connecting with our audience in a community such as NPN. Outdoor Photographer Magazine's demise and how Nature Vision Magazine seeks to fill this void. How Nature Vision Magazine will work and what benefits it will offer to subscribers. And a lot more! If you enjoyed our conversation, you can listen to our bonus episode on Patreon where we discuss the importance of providing platforms for photographer's to contribute their expertise and be compensated fairly for it. Other topics/links discussed on the podcast this week: Join us on NPN and save 10% using the code FSTOP10. Support the podcast on Patreon. The Natural Landscape Photography Awards. Creative Banter Podcast. PetaPixel article on Outdoor Photographer Magazine. Watch podcast episodes on YouTube, where we overlay photos with our conversation via video. I love hearing from the podcast listeners! Reach out to me via Instagram, Facebook, or Twitter if you'd like to be on the podcast or if you have an idea of a topic we can talk about. We also have an Instagram page, a Facebook Page, and a Facebook Group - so don't be shy! We also have a searchable transcript of every episode! Thanks for stopping in, collaborating with us, and listening. See you next week. P.S. you can also support the podcast by purchasing items through our B+H affiliate link.

How do you find large tapes of notes? This is the dream of every note investor out there but only a small percentage will find this NPN pot of gold. Why is it so hard to find? But why is it so worth it? Scott Carson shares his success in receiving two large tapes of nonperforming notes from direct sellers. He shares why follow-up and marketing for note tapes is so much more affordable and valuable versus traditional direct mail marketing and lead generation for other types of real estate investing. Watch the original video HERE!Book a call with Scott HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Medicare Simply: Insider Updates, Book Revisions, and Expert Insights #### Summary This video from Jae Oh, CFP, Author of Maximize Your Medicare, discusses various topics related to financial planning, Medicare, and healthcare costs. The host explores the capabilities of ChatGPT, provides updates on Medicare communication and book revisions, shares takeaways from an education conference, and highlights the importance of understanding one's health status. They discuss the implications of Medicare eligibility for married couples, the role of artificial intelligence in providing information and introducing concepts, and the significance of considering long-term care insurance. The video also touches on health savings accounts, the importance of a healthy lifestyle, and planning for out-of-pocket costs. The host emphasizes the need for personalized advice from financial advisors with expertise in healthcare costs and highlights the complexity and potential cost implications of mistakes in Medicare planning. Finally, they discuss upcoming changes in Medicare rules and the impact of marketing on consumer decision-making. #### Highlights - ChatGPT capabilities and using artificial intelligence for financial information - Updates on Medicare communication and book revisions - Takeaways from an education conference on protected income and financial planning - Importance of understanding one's health status for healthcare cost planning - Medicare eligibility and considerations for married couples - The significance of long-term care insurance and its implications - Exploring health savings accounts and flexible spending accounts - The role of a healthy lifestyle in healthcare cost options - Planning for out-of-pocket costs and the complexities of insurance contracts - The value of consulting a financial advisor with expertise in healthcare costs - Upcoming changes in Medicare rules and the impact of marketing on consumer decisions CONNECT:

Hello Interactors,I've been absent the last few weeks. First our kids were back for spring break and then I was off to the American Association of Geographers (AAG) national conference in Denver, Colorado. Both were fun, exhilarating, and inspiring and I'm bursting with things to write about!We're officially in spring here in the northern hemisphere. I now turn to cartography and the role mapmaking plays in shaping how we interact with people and place. There will be themes of cartography in this initial spring post, but first I'm offering my impressions of the conference.As interactors, you're special individuals self-selected to be a part of an evolutionary journey. You're also members of an attentive community so I welcome your participation.Please leave your comments below or email me directly.Now let's go…BURRITO BOYS“It's got a nice kick to it”, he said, as I sat down to join him for breakfast. He introduced himself as Mark. He lifted his attendee badge that hung around his neck. It read, Mark Schwartz. We broke the awkwardness by talking men's basketball. The Kansas Jayhawks, my mom's beloved team, had recently been eliminated from the NCAA tournament. He informed me he got his PhD from Kansas in 1985 and is now teaching and researching at the University of Wisconsin, Milwaukee in the geography department.Mark is a climatologist. More specifically, he's one of the foremost experts in phenoclimatology which looks at the effects of climate change on seasonal variability. We humans look to the calendar to tell us when spring arrives, but what if you're an ant or a plant? They already know, so phenologists look for the biological responses to seasonal changes. Phenology comes from two Greek words that roughly combine to mean ‘the study of bringing to light'.Mark co-founded the National Phenology Network (NPN). This is where the world turns to see when spring is officially arriving across the United States. Including journalists. Here's a story in the Washington Post on this spring's arrival and the NPN website. It features quotes from Mark.“‘What I like to tell folks is that you still need to be prepared for considerable variation from year to year. You won't simply be able to start planting your garden earlier each year…”Before long, another gray-haired man joined us. I observed older attendees at this conference naturally congregated. Gerontology...from geron and logia (the study of old men). Our new guest introduced himself as Ron. I could tell he was older than Mark and myself and I was right. When I was three years old, in 1968, Ron Abler was getting his PhD in Geography from the University of Minnesota. Soon after, in 1971, he was the lead author on an influential geography textbook on spatial organization. He went on to teach and conduct research at Pennsylvania State University and was the President of the AAG from 1985-86. There's an AAG award named after Ron, the Ronald F. Abler Distinguished Service Honors. Mark was a recipient in 2005.We were soon joined by another older gentleman, but closer to my age. He introduced himself as Joseph and I read his badge as Joseph Oppong. He was the recipient of the Abler award in 2021 and studies medical geography at North Texas State University. He received his masters in 1986 and PhD in 1992 from the University of Alberta in Canada and his bachelor's at the University of Ghana in 1982. Joseph was one of a few at the conference of African descent, but like the rest of America the geographic, cultural, and biological diversity of this academic community is increasing. This was apparent in my first session of the first day of the conference.JUST GEOGRAPHYThe morning before my breakfast with the burrito boys, I attended a panel consisting of four young academic women of Indigenous, Hispanic, Black, and mixed heritage. It included Fantasia Painter, an Assistant Professor of Global and International Studies at UC Irvine, Elyse Hatch-Rivera, a student seeking a law degree at Macalester in Minnesota, Gabriella Subia Smith, a PhD candidate in geography at the University of Colorado, and Dr. Danielle Purifoy, a geography professor at the University of North Carolina with a law degree from Harvard.Fantasia's paper: Our Lands, Your Lines: How Inter and Intra National Borders Try and Fail to Contain Indigenous Land. She argues “that inherent in the idea of “the desert” is the undoing of the settler colonial bordering project. This is not a desert. This is O'odham land.” Elyse's paper: The Right to Secure: The 100 Mile Border and the Making of a Carceral Geography. She “explores the emergence of the 100-mile border zone (HMBZ) in order to argue that the U.S. has expanded its borders inward and redefined notions of national security and our modern understanding of human rights.”Gabriella's paper: The Evolution of Colorado's Third District. She argues “Looking at the evolution of congressional districts can help us to better understand both the possibilities for equitable political representation and the limits of borders for fixing politics in place.”Danielle's paper: Setting [Futile] Boundaries: Black Municipalities in the White Settler State. She uses two case studies showing how decades work of “scholars of law, geography, and political science have taken up the social, political, and environmental impacts of this largely white municipal practice of geopolitical exclusion on Black, Brown, and Indigenous communities.”Here's a video of Fantasia introducing herself and her work at UC IrvineThe conference theme was Toward More Just Geographies and this session was a fitting kick-off. It was titled Futile Borders: Why Borders Fail and How Borders Function in the Incomplete Project of Settler Colonialism. These scholars, all of whom have a legal focus to their work, challenged the popular and simplified notion of borders as articulated in both popular culture and the legal text of the United States. They drew attention to the violence these words perpetuate through legal acts of interdiction, deterrence, and deportation.The panel description cites research pointing to “[s]ettler state violence and legal-spatial violence” that “permeate borders through border enforcement practices of surveillance and detention and also through attempts to map over Indigenous lands and nations by creating colonial certainty over jurisdiction and national membership.”While these laws exists to protect the rights of some “it is through law, legal decision-making, and formal processes, policies, and practices that legal-spatial border violence is enacted and sustained.” It is the law, as currently written, that “help to form, manage, and control borders and mobility [that] weaponize state violence and operate to assert settler legal authority.”During the discussion, one of the presenters positioned legal text as a form of fiction that feature fantasy borders on maps that ignore the non-fiction realities of plant and animal existence, persistence, and relationships – including with humans. These fictions provide the “legal reach of the state [to] extend externally and outwards in order to preserve imperial power while regulating and restricting immigration and mobility through racialized strategies.”This panel was a powerful introduction to the conference. It featured perspectives of bright, ambitious academic women of color who are bringing miles and piles of fresh knowledge to the academy and students. Many similar sessions were offered by women and BIPOC scholars who seek to challenge traditional institutional geographic histories, knowledge, and perspectives pervasive in the field of geography. I attended at least one a day for five days straight, but there were so many I couldn't attend them all.The field of geography, and cartography in particular, was invented in large part to discern and delineate the natural world for the purpose of dispossession and ownership of land and people for and by private and government actors. As one attendee told me, “Cartography barely has a just leg to stand on.” Consequently, these forums and platforms act as a mirror to the discipline of geography. They offer opportunities for scholars and practitioners to become more self-aware, reflective, and critical of geography's past and future. If sustained, this focus, attention, and prioritization of pluralized perspectives has the power to transform the discipline – to tilt the world toward more just geographies.It's a tilting earth that brings about seasonal change. Mark Shwartz and his team of geographers maintain a map that chronicles the bringing of light to the natural world. It offers no human bias, no imperial agenda, and reveals just how fictional borders really are. Phenoclimatology reveals human-induced climate change is causing spring's arrival to become increasingly meteorologically erratic and extreme.Many scholars at this conference pointed to how settler-state induced human and environmental violence have contributed to these climatic changes. They also showed how these forms of legal, economic, and spatial geographies are causing increasingly erratic and extreme societal injustices and imbalances. They're chronicling and remapping a discipline by bringing light to the world of geography. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit interplace.io

Living close to our favorite photography destinations is a luxury that not everyone can afford; however, it has become a big part of my success in my own photography and I know it contributes to the success of others' work as well. Our relationship to place and how that connection fuels us and energizes our creativity can have a huge impact on the quality of our work. This week I had the pleasure of speaking to United Kingdom photographer, Matt Oliver. Matt makes his living as a commercial photographer but his true passion lies in landscape and nature photography. I have always been a big fan of his quiet work from the Peak District in the United Kingdom, so I was excited to talk to him about his connection to that place and how it was forged.  On this week's episode, we discuss: How Matt got into photography. How Matt juggles his commercial photography with his landscape photography. How important it has been for Matt to live close to the Peak District. Advice for photographers that don't live close to their favorite areas. The role of curiosity in Matt's photography. The role of style in Matt's photography. Chasing the light versus photographing smaller scenes. What to do when the conditions are not ideal. The impact of AI on Matt's commercial photography. The differences between the UK and the USA in terms of how photography is monetized. And a lot more! Other topics/links discussed on the podcast this week: Support the podcast on Patreon. Matt's commercial photography site. My article on NPN about AI and photography. Join me over on Nature Photographer's Network and use the code "FSTOP10" for a 10% discount! Natural Landscape Photography Awards. Here is who Matt recommended on the podcast this week: Angelo Jesus. Vanda Ralevska. Lizzie Shepherd. I love hearing from the podcast listeners! Reach out to me via Instagram, Facebook, or Twitter if you'd like to be on the podcast or if you have an idea of a topic we can talk about. We also have an Instagram page, a Facebook Page, and a Facebook Group - so don't be shy! We also have a searchable transcript of every episode! Thanks for stopping in, collaborating with us, and listening. See you next week. P.S. you can also support the podcast by purchasing items through our B+H affiliate link. Scroll down to see more of Matt's photography.

Alexa y su invitada Eu Rosales mientras exploran el tema de los lenguajes del amor. Discuten qué son los lenguajes del amor, los diferentes tipos, los pros y los contras de cada uno, y ofrecen recomendaciones sobre cómo identificar y comunicar efectivamente tu propio lenguaje del amor. Ya sea que estés soltero o en una relación, esta conversación perspicaz ofrece consejos prácticos sobre cómo mejorar la comunicación y conexión con tus seres queridos. ⚠️ Apoye a nuestros patrocinadores, para apoyar el podcast ⬇️ ¡Gracias a Tobi Pets!

La invitada de Alexa esta semana es Alejandra López, psiquiatra que tiene conocimiento de los efectos de los psicodélicos como tratamiento médico. Discuten los diferentes tipos de psicodélicos, cuáles se pueden usar como tratamiento y cómo se usa la ketamina en los tratamientos en Costa Rica. ⚠️ Apoye a nuestros patrocinadores, para apoyar el podcast ⬇️ ¡Gracias a Tobi Pets!

El Dr. Eduardo Bitter es uno de los doctores veterinarios con más experiencia, con casi 100,000 pacientes en su expediente de casi 4 décadas. En este episodio hablamos con el sobre tener mascotas, como forman parte de la familia, el duelo de perder una mascota y como elegir la correcta. Encuentren al Dr. Eduardo Bitter: Facebook: https://www.facebook.com/doctorbitter Instagram: https://www.instagram.com/drbittervet/ __ Recuerden apoyarnos en https://www.patreon.com/nopasanadaoficial GIVEAWAY: ¡Recuerda suscribirte a nuestro nuevo canal! Una de las primeras 1,000 personas en suscribirte a nuestro canal (www.youtube.com/@pietrohablacon) se pueden ganar un hoodie de NO PASA NADA.* ¡Gracias a tobipets.com!

Finding actionable tips to improve our nature and landscape photography can often be hard to come by in today's noisy environment where catchy and click-bait titles on YouTube dominate the day; however, there are still ways to find these tips. A great place to find them of course is right here on the F-Stop Collaborate and Listen podcast!  This week I had a wonderful time chatting with long-time photographer Hank Erdmann, who shared with us some great tips for finding compositions in nature that might not seem obvious.  On this week's episode, we discuss: How Hank got into photography, Hank's process for finding images through the use of the five senses, Using artistic sensory perception to create better photographs, Practical tips for people that say they are not artistic, A discussion on "what is art" in photography, Defining art, The differences between representative photographs and artistic photographs, Hank's role with NANPA, And a lot more! Other topics/links discussed on the podcast this week: Support the podcast on Patreon. Brooks Jensen's Ask Me Anything on NPN. My article on Art in Nature Photography on NPN. Guy Tal's article on Mindfulness in Nature Photography on NPN. Join me over on Nature Photographer's Network and use the code "FSTOP10" for a 10% discount! Here is who Hank recommended on the podcast this week: Willard Clay. David Ward. Craig Blacklock. Did you know we are also now showcasing our episodes in video format on YouTube? It's a great way to see the conversation unfold while seeing images shared by our guests or images that we discuss.  I love hearing from the podcast listeners! Reach out to me via Instagram, Facebook, or Twitter if you'd like to be on the podcast or if you have an idea of a topic we can talk about. We also have an Instagram page, a Facebook Page, and a Facebook Group - so don't be shy! We also have a searchable transcript of every episode! Thanks for stopping in, collaborating with us, and listening. See you next week. P.S. you can also support the podcast by purchasing items through our B+H affiliate link.

Alexa y su invitada de esta semana, María Ramírez, psicóloga especializada en salud sexual y sexología clínica, analizan los efectos de la pornografía en la mente, las ideas sobre la sexualidad, y la salud sexual. ⚠️ Apoye a nuestros patrocinadores, para apoyar el podcast ⬇️ ¡Gracias a Tobi Pets!

La psicóloga Alexa Jiménez invita a Diego Araya, un psicólogo que trabaja para la Caja Costarricense de Seguro Social (CCSS) para discutir el proceso de obtención de ayuda a través del sistema. ¿Cuáles son algunas dificultades para obtener atención en salud mental? ¿Cuáles son los servicios en la CCSS? y ¿qué hacer si no califica para la atención que necesita? ⚠️ Apoye a nuestros patrocinadores, para apoyar el podcast ⬇️ ¡Gracias a Tobi Pets!

Massimo Pericolo es un compositor, cantante, guitarrista y de varios proyectos musicales, entre estos Giant Sleeper banda del genero prog rock costarricense y su proyecto personal "Massimo Pericolo" . En este podcast hablamos de su elección de perseguir un sueño en una música no convencional. Una de las primeras 1,000 personas en suscribirte a nuestro canal de YouTube (https://www.youtube.com/@pietrohablacon) se pueden ganar un hoodie de NO PASA NADA.* ¡Gracias a tobipets.com!

Franklin Chang Díaz fue el primer astronauta latino, tiene el récord por más viajes al espacio, ayudó a construir la ISS. Hoy tiene un laboratorio en Houston trabajando en el motor Vasimir que nos llevará a Marte y la primera planta de que podría descarbonizar el mundo de hidrógeno verde en Latinoamérica. Una de las primeras 1,000 personas en suscribirte a nuestro canal de YouTube (https://www.youtube.com/@pietrohablacon) se pueden ganar un hoodie de NO PASA NADA.* ¡Gracias a tobipets.com!

This week on the podcast I had a wonderful conversation with Valda Bailey. Valda is a UK photographer specializing in intentional camera movement (ICM) and multiple exposure work, which she often combines as part of her workflow. It was great to hear about her creative process and techniques, which we covered extensively in this episode of the F-Stop Collaborate and Listen podcast! On this week's episode, we discuss: Valda's journey as a photographer and why she has gravitated towards ICM and double/multiple exposure image-making, The role of abstraction in her photography, Lots of practical advice on the techniques of ICM and multiple exposure, including equipment choice, How to choose what to include and exclude in this type of work, Conceptually-driven work, Formalism in photographic art, And a lot more! Other topics/links discussed on the podcast this week: My article on NPN about Nature Photography as Art. Valda's Book, "We May as Well Dance." Join me over on Nature Photographer's Network. Support the podcast on Patreon. Here is who Valda recommended on the podcast this week: Doug Chinnery. Chris Friel. Graham Cooke. If you enjoyed our conversation this week, you can listen to our bonus episode over Patreon on where we discuss conceptually-based workshop learning vs. location-based workshop learning. I love hearing from the podcast listeners! Reach out to me via Instagram, Facebook, or Twitter if you'd like to be on the podcast or if you have an idea of a topic we can talk about. We also have an Instagram page, a Facebook Page, and a Facebook Group - so don't be shy! Did you also know we have listener after-parties on Twitter Spaces? This is a great opportunity to interact with other listeners, guests, and the host (when I can) regarding your thoughts on the episode. We also have a searchable transcript of every episode! Thanks for stopping in, collaborating with us, and listening. See you next week. P.S. you can also support the podcast by purchasing items through our B+H affiliate link. Visit our show notes to see Valda's work!

Simon Shares US June inflation 9.1%, and core inflation was also up a 5.7%! Still stage 4. Rand continues to weaken. Back backs between 4 July 2022 & 8 July 2022 Naspers JSE code: NPN) bought 659,095 shares at an average price of R2 648.3315/share for R1.745 billion (US$104.73 million). Prosus (JSE code: PRX) bought 6,240,339 PRX shares at an average price of €67.1361/share for €418.95 million (US$428.59 million). SARB now considers cryptocurrencies as a financial asset and will create regulations around them. This means cryptocurrencies can be listed on SA exchange platforms but the process will take 12-18 months. Dividends, love them but be careful. But we also need to remember a few important things about dividends. They can disappear as we saw in 2020. Even the most stable dividend payer can stop paying. REITs which have to pay them by law being a REIT structure) stopped paying because payment would see them fail their solvency tests. They are backwards-looking. A high dividend yield is certainly attractive, but is it because the price has been falling? Could this be a warning of a dividend cut? Cyclical stocks (think commodity stocks) pay massive dividends sometimes, then nothing for years. Boards can change the cover ratio. This is the percentage of HEPS they pay as dividends. In tough times they can cut them. As the company matures they pay more. Progressive dividends are the worst. The idea is that every year the dividend goes up a set percentage regardless of profits. A few local stocks have tried the idea, all have abandoned the idea. Cash dividend vs. script dividend. I'll usually take the script. Reg28, proposed a two-pot system Sam Beckbessinger: My fav ETFs

Simon Shares Still stage 6. Rand continues to weaken. Naspers (JSE code: NPN) and Prosus (JSE code: PRX) both are holding well after the hard run the previous Monday on results and buy-back news. Resources under pressure, all of them. Supply chains adjusting Just in time is now just in case Higher inventories Higher costs More localisation Upcoming events; 13 July ~ To short or not to short with Markets.com 14 July ~ JSE Power Hour: Building a resilient portfolio for tough markets

Summary: In today's episode we are joined by Troy Fullwood, Troy built the first distressed asset fund on Wall Street for non-performing residential mortgages back in early 2007 to capitalize on the market crash. He spent 2 years running the distressed asset fund which operated and produced a solid 91.15% IRR for himself and the investors that were involved; in late 2008 he sold off his majority interest in the fund to a Wall Street Capital group. The core focus of the fund was purchasing first lien NPN's and modifying the loans to preserve home ownership for homeowners. He helped over 1700 people stay in their homes during his time at the fund.       Key Highlights:    [00:00 - 09:21] Troy Fullwood on Living Life by Design Troy Fullwood is a 56-year-old entrepreneur who owns and operates pinnacle investments, a company that specializes in buying and selling performing and non-performing residential real estate notes and mortgages. Troy has been teaching financial strategies to improve net worth and returns on capital for 24 years. One of the things that has influenced Troy's life is his relationship with mentors who have planted seeds with him based on his stage in life and his business. With his wife, Troy's life by design brand focuses on living life to the fullest and enjoying what you do.   [09:21 - 16:51] Troy's Journey: From Struggling Entrepreneur to Successful Real Estate Investor He talks about how one person has had a big impact on his life and business, and it was Danny Gonzalez. Danny taught Troy how to be a better investor and person, and it was all designed to break generational curses. He also talked about his friend David, which was his friend for years, He David was working for Danny. He realizes that you're only a couple people away from the people you need to know Troy also share about meeting Milt at a men's Bible study and was impressed by his teaching on real estate.   [16:52 - 23:55] Danny Fullwood's Legacy of Financial Wisdom Danny changed Troy's life by teaching him the right way to do deals, protecting both parties, and helping people achieve home ownership quickly. Since meeting Danny, Troy has impacted tens of thousands of people through his teaching   [25:56 - 30:36] Closing Segment Follow him on Facebook and LinkedIn.   You may their website at www.thethrivinginvestor.com  or troyfullwood.com Final words Thanks for tuning in!   If you liked my show, please LEAVE A 5-STAR REVIEW, like, and subscribe!     Find me on the following streaming platforms: Apple Spotify Google Podcasts IHeart Radio Stitcher    Tweetable Quotes   “The only reason I share it is to inspire other people, to look beyond yourself, to look beyond your circle, to look beyond your family and go and look for opportunities out there in your own community, whatever it may be.  Everybody seems to have a different gift which is wonderful.”  - Troy Full Wood

Simon Shares Thungela (JSE code: TGA). Coal prices doing great, production is good but rail is the problem but HEPS is expected at 5800c. If we double for the full year we can expect ±R116 and a dividend of ±R100? Stor-Age* (JSE code: SSS) results are not exciting but steady. Omnia (JSE code: OMN) results were really strong, another special dividend and good future prospects. Orion Minerals (JSE code: ORN) raises money to get their Prieska up and running. Expected to take some 19 months. Amazon prime coming to South Africa next year. It will seriously challenge Takealot, owned by Naspers (JSE code: NPN)). City Lodge* (JSE code: CLH) trading update show them cash flow positive with occupancies back in profit. * I hold ungeared positions. Crypto in trouble Not an inflation hedge nor a store of value. Just another risk asset. The problem is as QE ends and rates rise, will it still see a strong inflow of money? I think not. It's not the end crypto, but new highs could be some way off.  

I'm so excited today because I have Victoria Torres as my first guest on the Lead with Heart Podcast. Victoria serves as the Director of Community Impact at The Samueli Foundation overseeing the Foundation's work as it relates to the City of Anaheim, including capacity building community relations, project management, evaluation, and reporting. In this episode:Victoria's nonprofit experience and how it all started in High SchoolThe difference between mentorship and coaching according to VictoriaCreating a welcoming experience for staff and board membersProviding opportunities for growth within nonprofitsThe different roles in a nonprofit boardThe reason why you might be struggling to delegate  Where to start when it comes to succession CONNECT WITH VICTORIABorn and raised in Orange County, Victoria has been volunteering and working in the nonprofit sector for over 15 years. She is passionate about making connections that are strategic and meaningful with the intent of building strong relationships and partnerships.Linkedin: Victoria Torres CONNECT WITH HALEYHaley is a Certified Fund Raising Executive (CFRE), Certified Stress Management Coach, and Certified EmC train the trainer. She is the Founder of The Savvy Fundraiser, a nonprofit consulting and coaching business. She has worked in both small and large nonprofit teams in the human services, homelessness, and youth sectors; and she specializes in the EmC process, nonprofit leadership, board development, and fundraising. Haley is a passionate, impact-driven, experienced nonprofit professional whose mission is to empower, elevate and engage nonprofit leaders to build healthy, thriving organizations.Instagram: @thesavvyfundraiser LinkedIn: Haley Cooper, CFREWebsite: thesavvyfundraiser.com NOTEWORTHY QUOTES“Legacy isn't what you built while you're here, legacy is what stays after you've moved on.”“Committees are where a lot of that delegation and thought happens. And then the board is where that long-term vision and thinking is going on.”“How you onboard staff and how you onboard your board is crucial to an organization's success around the culture that is built.““If you bring on a new staff member or a board member, and they don't know where to start, they don't know where to look, they don't know what to do, you're going to lose them very quickly.”“As long as I feel that in my people – that they care just as much about it as I do – then that should be enough. If you don't feel that, then that's probably why you're not delegating.”“Have you hired the right people? Are you hiring for skill? Are you hiring for that passion and love for the mission? Because the skill should be taught the skill can be taught.”“Everything you do is not yours… It belongs to the community. And we are obligated to pass that on to the next person taking our spot.”

Most of my life-long friendships were built in boarding school back home in Cameroon. If you went to boarding school in Africa, you probably spent 9 months out of 12 with about 15-30 other students in a large hall filled with bunk beds and called dormitories. Life was hard, challenging, and fun, but most importantly, the values and relationships that were achieved cannot be quantified.   Sometimes, I look back and reminisce about my 7 years of life in boarding school either with friends or in my solitude. So, I decided to call up a few of my friends to share some of their fondest memories while they were in boarding school. This, indeed, was such a fun episode for me and to say I felt nostalgic is an understatement. I hope you do too!   Info on Sharon's Business: Sharon Nyamboli  NPN: #8205748 Phone number: (240) 535 6870 Email: sharonyamboli@gmail.com      Info on Antoinette's Business:  Antoinette Njombua-Fombad  Website: https://www.healloveandgrow.com/ Facebook: @healloveandgrow Instagram: @w_i_t_h_i_n Brainz Magazine Executive writer 2021-2022: https://www.brainzmagazine.com/executive-contributor/antoinette-njombua-fombad     Things You Will Learn in This Episode:  [00:01 – 10:00] Introduction  Explaining the topic for discussion  A typical day in the life of an  African boarding school student   [10:00 – 30:00] Discussion Between Anyoh & Abermo  Abermo shares his boarding school experience  How boarding school instilled the value of discipline in them  Abermo shares one of his unforgettable days in boarding school   How our parents and boarding school taught them to be independent   [30:00 – 45:00] Discussion Between Anyoh & Antoinette  Antoinette shares her boarding school experiences  Antoinette compares her mixed-sex school experience with her same-sex boarding school experience  Preparing for house feast & holidays  The positive impact of boarding school  How to support Antoinette's business   [45:00 – 1:10:00] Discussion Between Anyoh & Sharon Sharon shares her boarding school experience How boarding school shaped her into womanhood Going through puberty in boarding school  Boarding shaped Sharon's faith and helped her build friendships  How to support Sharon's business   [1:10:00 – 1:14:00] Final Discussions  Anyoh's last words   Tweetable Quotes “I think it's boarding school that taught us how to be very independent. Because think about the schedules - like at 5:30 in the morning, we wake up. Now they even have 7-8-year-old kids waking up and going through all of that at a very young age so, by 10, 12 years old, you're gonna be so independent and so resistant to stress or too hard life that you can only go onwards.”- Anyoh Fombad   “The best part about [an all-girls boarding school] is that it grows your womanhood. It really does create sisterhood, it helps you to appreciate your fellow woman, and it just grows you and helps you focus on things that are naturally feminine.” - Antoinette F   “A lot of Africans tend to do well in the United States because you have to be disciplined to do certain things at certain times. In fact, the system itself puts you in a situation where you have to be at work at a certain time, you have to be able to be back home, cook, do certain things, and go to sleep at a certain time. That discipline is something that we grew up harnessing [in boarding school] as little kids.” - Abermo M "Boarding school helped shape me into the woman that I am today. Many of the friends that I have are folks that I met in boarding school. I have friends that I have made along the way [in life after boarding school], but those relationships are not as strong as the ones that I made in Boarding school.” - Sharon N     LEAVE A REVIEW and tell us what you think about the episode so we can continue putting out the best content just for you!   Connect with Living African Podcast: You can connect with us on Facebook, Instagram, YouTube, or Twitter, or send us an email at hello@livingafricanpodcast.com.   Check out our website www.livingafricanpodcast.com for more resources and to learn more. Connect with host, Anyoh: You can connect with Anyoh on Facebook (@anyohf), Instagram (@anyohfombad), and Twitter (@anyohfombad).

Tom Anderson returned to the show to describe how transistors and passives work. We discuss everything from vacuum tubes to diodes to transistors (PNP and NPN) to resistors and capacitors. We search for synonyms among the confusing terminology of cathodes, plates, emitters, anodes, grids, bases, and collectors.  This was a tech heavy episode so little bit of brushing up on terms may be useful before (or after): Boltzmann constant Physical constant Vacuum tube Diode logic Diode  Push–pull converter Transcript.

On this week's episode, we're talking with Gail Maddox Taylor about listening to and investing in communities, building coalitions, and why prevention matters.    Gail Maddox Taylor is the Director of the Office of Behavioral Health Wellness for the Virginia Department of Behavioral Health and Developmental Services, also known as the NPN, where she provides leadership in Virginia's prevention efforts. She also leads Virginia's statewide initiatives, including Problem Gambling Prevention, Suicide Prevention, Mental Health First Aid, Adverse Childhood Experiences, and Behavioral Health Equity and Disparities initiatives. Gail is the 2020 recipient of the National Association of Substance Abuse Director's National Prevention Network Ketty Award presented annually to a current NPN who has made outstanding contributions to the NPN organization and the field of prevention and received the 2021 Community Anti-Drug Coalitions of America (CADCA) Outstanding State Award. These awards were received because of the hard work of the OBHW team, CSBs and Virginia community Coalitions. Gail has served as the NPN liaison on the Board of the Society of Prevention Research, is on CADCA's Coalition Advisory Council (CAC), and serves as the National NPN 1st Vice-President.    TRIGGER WARNING: Suicide, substance use, trauma, domestic violence, and mental health issues are discussed in broad ways throughout this conversation.    Virginia Department of Behavioral Health and Developmental Services:  https://dbhds.virginia.gov/   The views and opinions expressed on Awareness 2 Action are those of the guests and host and do not necessarily reflect the official policy or position of the Prevention Department or Northwestern Community Services.

Simon Shares Big banks now all have released results, mostly good albeit off low base. Covid cases in China surge, new lockdowns. Hello, more supply chain mess. People asking if I updated my view on Purple Group* (JSE code: PPE). Nope, volatility likely helping the revenue, but I need new data (results) first. Commodities weak, brent oil now in a technical bear market. China makes peace with tech Prosus (JSE code: PRX) and Naspers (JSE code: NPN) now flying (+20% n Wednesday). Discount still +50%. Reports of WeChat being hit with a massive fine for money laundering?money laundering China's state council has in one move just: *Pledged to keep capital markets stable *Vowed to support overseas stock listings *Said dialogue with US re ADRs is 'good' *Promised to handle risks for property developers *Clarified regulation of Big Tech will end 'soon' *BOOM pic.twitter.com/xHYgcbchCo — Sofia Horta e Costa (@SofiaHCBBG) March 16, 2022   * I hold ungeared positions.  

E6A Semiconductor materials and devices: semiconductor materials; germanium, silicon, P-type, N-type; transistor types: NPN, PNP, junction, field-effect transistors: enhancement mode; depletion mode; MOS; CMOS; N-channel; P-channel

Erica Baumker a wonderful soul and a Nurse Practitioner working in both Willits and Ukiah seeing children. We had a great discussion about Adverse Childhood Experiences and Trauma Resillancy as well as of course COVID-19 and the Vaccine. Take a listen!

En este episodio e ¿QPNPN?, Pietro y Kenneth comentan cómo finalmente en NO PASA NADA están llegando más y más proyectos grandes, además el estado del mercado laboral para las personas jovenes y cómo se puede vivir en #CostaRica el país más confuso del mundo. Apoyé a NPN: www.patreon.com/nopasanadaoficial Vea este episodio: https://youtu.be/ZuqsPWlhOy4 Envíe preguntas, comentarios, videos y notas de audio a LA PIÑATA DE LA DISCORDIA → https://forms.gle/KTSXgXKm2NJtMKJR6 --- Support this podcast: https://anchor.fm/que-pasa-en-no-pasa-nada/support

En este episodio de QPNPN Kenneth se esfuerza por hacer todo lo que Pietro detesta, desde leer poesía hasta perderlo en una montaña. Además hablamos de los efectos de la segunda y personajes de cereal. Apoyé a NPN: www.patreon.com/nopasanadaoficial Vea este episodio: https://youtu.be/L6MrqRjAjDQ Envíe preguntas, comentarios, videos y notas de audio a LA PIÑATA DE LA DISCORDIA → https://forms.gle/KTSXgXKm2NJtMKJR6 --- Support this podcast: https://anchor.fm/que-pasa-en-no-pasa-nada/support

En este episodio de QPNPN Pietro y Kenneth hablan sobre cómo el 56% de las personas jovenes no le ven un futuro al mundo. Y cómo este sentimiento... Bueno... Lo compartimos. Apoyé a NPN: www.patreon.com/nopasanadaoficial Vea este episodio: https://youtu.be/iUa0hFikAxE Envíe preguntas, comentarios, videos y notas de audio a LA PIÑATA DE LA DISCORDIA → https://forms.gle/KTSXgXKm2NJtMKJR6 --- Support this podcast: https://anchor.fm/que-pasa-en-no-pasa-nada/support

En este episodio de QPNPN hablamos de cómo después de casi un año y medio de producción finalmente nuestra docuserie, hecha posible por salsas Lizano "Autóctono" estará estrenando esta semana. Además hablamos de cómo probamos terapias de Joe Rogan, damos ideas para combatir la pandemia, algunas de nuestras películas favoritas y más. Apoyé a NPN: www.patreon.com/nopasanadaoficial Vea este episodio: https://youtu.be/Ten7BmMkfxM Envíe preguntas, comentarios, videos y notas de audio a LA PIÑATA DE LA DISCORDIA → https://forms.gle/KTSXgXKm2NJtMKJR6 --- Support this podcast: https://anchor.fm/que-pasa-en-no-pasa-nada/support

En este episodio de NO PASA NADA respondemos a la constante interrogante de si nosotros, una organización periodística y de investigación, investiga el material que reporta, luego sobre la muerte de algunos famosos anti-mascaras y anti-vax de Estados Unidos y finalmente sobre quien podría realmente cambiar Costa Rica. Apoyé a NPN: www.patreon.com/nopasanadaoficial Vea este episodio: https://youtu.be/lh5R5z8zUWY Envíe preguntas, comentarios, videos y notas de audio a LA PIÑATA DE LA DISCORDIA → https://forms.gle/KTSXgXKm2NJtMKJR6 --- Support this podcast: https://anchor.fm/que-pasa-en-no-pasa-nada/support

Hoy hablamos sobre la situación desesperada que se vive en Afganistán tras la toma del país por las fuerzas Talibanes y que nos deja a nosotros saber de nosotros mismos. Apoyé a NPN: www.patreon.com/nopasanadaoficial Envíe preguntas, comentarios, videos y notas de audio a LA PIÑATA DE LA DISCORDIA → https://forms.gle/KTSXgXKm2NJtMKJR6 --- Support this podcast: https://anchor.fm/que-pasa-en-no-pasa-nada/support