Podcasts about options

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In the second hour, Matt Spiegel and Laurence Holmes held the Ben's Vision segment, where they assessed whether the Bears can land what they view as an "elite" prospect with the No. 25 overall pick in the first round of the NFL Draft. After that, Spiegel and Holmes remembered former Bears assistant coach Dave McGinnis, who recently passed away at age 74. Later, they reacted to NFL commissioner Roger Goodell setting up a meeting with the Bears about their pursuit of a new stadium.

Dental A-Team is all about case acceptance. In this episode, Kiera shares how a practice can double its case acceptance in one month (or even one day! She has receipts!). She gives five tactical tips practices can apply today to refine that acceptance and start upping that percentage of "yes." Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent- Dental A Team (00:00) Hello, Dental A Team listeners. This is Kiera and today is a great day. I hope that you're loving it and I hope that you remember just as a quick little motivational thought for you that what's right is just as available as what's wrong. And I think so often we're looking at what's wrong in my life and why isn't this working versus thinking what's going well, what's right in the world, what's what's and I'm not saying to   belittle, miss sunshine and not see all the things that are really going on. But I do think that what we focus on, we attract and we achieve more of. so practices that are high performing practices that really have great cultures, they're looking for what's right in this world. They're looking for the good, the positive, they're building that. But that does not mean that they're not seeing the things that need to be impacted and fixed. And so I just really want you to, to think about that today as we as we tackle a fun topic, and that's about case acceptance. And if you know me, you know that I'm obsessed about case acceptance and   Today we're gonna go through how to double your case acceptance in 30 days or even just one day. And it's really true. I've done this multiple times. We've taken practices from 50 % case acceptance to 100 % in one day. I have some practices, they know who they are, they listen to the podcast, shout out to them, where we coach their treatment coordinators. And we've been doing this for several years and we've added multiple millions to their practices. We're not quite to the billions, no pressure team. I know you guys like a good challenge, ⁓ but genuinely, and it's through helping.   just people have better lives. And I think about case acceptance and people are like, but you know, case acceptance, Kiera, it's about like money or it's this objection. And I just want to say that realistically, most treatment coordinators, what happens is we accidentally plant weeds in our flower gardens, aka objections in our case acceptance, unintentionally. And I can have the exact same patient, exact same scenario, different treatment coordinator, different result. And so what I found, and this is why I love this, this is where I got my start.   You guys know that I'm obsessed with helping patients and teams and dentists just have their best lives possible. And so really just giving you guys some tips on how we can do this, how you can boost your case acceptance. And these are tactical ways. So like take the recipe today, take this in, apply it. But what I want to say is I believe that case acceptance is a journey and it's not an overnight sensation. And these practices I alluded to, again, they are some of my favorite clients to work with. The team is amazing. They show up, they have grit.   and they recognize that it is always a next level to improve. And so that's why we work together because we are like, I've trained them for years and yet they keep coming back and we keep refining and we keep going to the next level and we keep improving because there's always a next level within case acceptance. And I think when you recognize that and you see that you can actually be an even stronger treatment coordinator. you guys know, Dental A Team, we are obsessed with making your life better. We love to work with doctors and teams. We love to   do it virtually or in person with you and to possibly influence and impact the world of dentistry in the greatest way possible. So I'm so glad you're here on the podcast with us. If you love our podcast, please be sure to like, subscribe, share this with people, leave us a review. I do personally read those reviews and I'm so thankful for you guys. I'm thankful for this community. I'm thankful for ⁓ the, I think just the lives that have been changed. I love meeting you in real life. I love hearing from you in emails. I love.   this community of people. I just love people in general. And so I hope that you know that I just truly love and adore you and I hope that you feel that and if I was in person, I'd give you a giant hug today and tell you that I know you're doing better than you think you are. And they're simple tips. ⁓ I can speak very confidently to case acceptance. I was speaking to a candidate that I'm interviewing and there was this there was this humble confidence about them where   They didn't have to prove anything to me on the interview. was like, Kiera, I've done this. I've done this many times. It's like, I know how to get the winning championship and it's not hard. And I don't say this egotistically. I will say that I do know how to get case acceptance boosted and our team knows how to do this. And I think this is one of the greatest services you can give your patients is helping them say yes to dentistry that's necessary. And so I hope that you feel that what I'm teaching you today comes from very strong.   Experience is not just theories and ideas, but genuinely been there done that done it successfully and I'm here to share that with you So a couple of things is number one. I'm really big on when we are working with this So first steps first I work hard on making sure that we have the right mindset I say mindsets everything So if you think a patient is gonna say no to you You're gonna make yourself correct if you say a patient is gonna say yes to you You're going to make yourself correct. So whichever one it is and to me. I'm like both of those are free   Thoughts are free, words are free. Let's pick the ones that serve us. And I'm going to choose the one of everybody says yes to me. I even have doctors that text me and they're like, remember Kiera how you say this? And I'm like, I genuinely believe it. It's because I believe in my doctors. I believe in what we're doing. And I believe that patients deserve to have the best dental treatment and new doctors and new teams are the ones who are going to give it to them. So I'm not going to let this patient leave me just like I'm not going to let somebody who's looking for a great consultant.   Leave me, I know we are the best freaking consulting company you could ever have. So if you wanna have the best consultant, call me, call our team, let's work with you because you're going to see results and that's what I'm about. So with your office, same thing, you should have that same level of confidence in your practice. You should be able to say, I want these patients, I'm going to help these patients. Now that doesn't mean I take on their problems, but I do believe that mindset is 80 % of the game of case acceptance. So that's step one is we gotta start with that. Doctors, when you walk into the room, I wanna when you put your foot on that threshold, walking in to do an exam,   You come into doctor 2.0, whomever it is, like patients say yes to you. Your job is to give them a very clear diagnosis and to be able to guide them into correct decisions. Words create worlds. What world am I creating for our patients? What am I doing for our patients? Am I helping them see like this is easy to say yes or am I making it so confusing and hard with multiple options? Doctors, I'm calling you out on this. I know you wanna explain everything. You're freaking brilliant, but sometimes that's called confusion. And that makes a patient not wanna say yes to you.   Complexity is the enemy of execution. I'll say that again. Complexity is the enemy of execution. So if you don't have clarity and you don't drive people with clean, concise routes, you can give them the options, but let's talk about, do they want fixed or removable? You've got to be very clear and you've got to be very confident when you deliver. Patients are buying your confidence. So number one, I want you to 1,000 % change your mindset. I don't care what you got to do, who you've got to be, but you've got to start with a correct mindset. And if you will do that, your case acceptance will automatically just with that one thing,   go up and that's between treatment coordinators, team members and dentists. All of us patients love us. They want to say yes to us and we have a moral obligation to help them. Number two, I'm really big on you guys know we have this where we're going to have doctors having great presentations. So I talk a lot about ⁓ child Dini's principles of persuasion and whether you like those or not, that's fine. Words are free. Options are free. Thoughts are free. Take them if you want them and I'm obsessed with this because if I can get a patient in the mindset of saying yes to me,   I've already teed them up into that confidence space. So I recommend doctors when you lean the patient back, you say, can I lean you back? They will say yes. Can I do an exam? They will say yes. This is helping them prime and we're priming them to get them into the mindset to say yes to you. Really, really, really important. And I know you don't want to do this, but guess what? It's very easy. So we have the mindset already there. Then we get them to be saying yes to us. Be very careful treatment coordinators. This does not always apply to you because the last thing I want you to do is do you want to get treatment scheduled? We are not leading them to answers with no.   We are only leading to answers of yes. So if you're going to use a yes or a no, you've got to make sure it's gonna lead to a yes. I do not want you planting them with nos. You've gotta be very careful with this. Then step three is going to be, we do comprehensive exams and we wrap it with the NDTR. You guys have heard me preach about this. This was made up in a practice, I don't know, 10 years ago. Shout out to ⁓ my Tucson practice. I know you listened to this. It was your office because your office manager didn't wanna use a route slip.   So I made up this acronym that has stuck with us for years and it's become one of the bread and butter of dentistry that I use. And I will tell you, you put this into place, you're going to add multiples to your practice. We call it the NDTR, next visit, date, time, re-care. You get those items, you put it in a nice pretty bow, doctors, you do a comprehensive exam, you make sure you don't have too many of them being crazy. Like get them into pretty much where they're onto one solution. If you are my mom or my grandma or my dad or my brother or my sister, whatever it is.   This is what I would recommend for you. If cost wasn't an option, what would you select? You can ask them, what's the most important thing to you? Cosmetic function, cost or longevity. There are ways you can tee people up and then you can guide conversations into exactly what they want. This takes finesse, this takes practice, but ultimately we're after results, we're after the W, we're after helping the most amount of freaking patients that we can, all right? So for you, if you want the W, to me, case acceptance, the way we win is by helping more patients say yes.   If you're a great doctor, I want patients saying yes to you. If you're not a great doctor, I want you to become a great doctor so more patients can say yes to you. That's where we're at. So we've got to wrap our pretty little treatment plan up with the next visit. It's clear. What is our exact next visit? Kiera, I want to see you back for the crown in the upper right. I want to see you back in two weeks. That's the date. And I need about an hour and a half of that. Please, for the love of everything, this is step whatever. I don't know. I think this is step three for you. But I want you to make sure it's very clear and concise because   Complexity is the enemy of execution. If they're walking up of like, don't even know what treatment I'm coming back for. I don't know what I need to come. A crown is gonna take me all day. I can't do that. Your patient is subconsciously planting objections and why they can't say yes to this. But if you eliminate those, like we're clearing the fog, it's very easy. I just need to see you back in two weeks. I need to see you for an hour and a half and we're gonna take care of that crown for you in the upper right and the fillings. Or we're gonna do implants, whatever it is, I don't care.   or like, hey, we're gonna see you in three visits. We're gonna start with the upper right. We're gonna take care of that. Then we're gonna go and do your SRP. And then we're gonna finalize with all the rest of the fillings. I don't care, but make it so clear and simple for them. They don't need it all. And I know we sometimes go, this is where we go from clinical jargon to patient simplicity. Make it simple. When I go in and I'm trying, I remember I was at the van store and this girl was like, so do you want a bag? And I was like, no. Do you want this? Do you want that? Do you want this? I'm like, just like I'm done.   You guys mean far too many questions. I don't even want to come back and talk to you. Like keep it. I don't even want to buy it. And I think we often forget that our patients, while we're trying to educate and explain, and there is a line of that, this isn't their passion. And I say that with the most amount of like love, like, know, I know you care about this so much, but they don't. What they care about is, are you the right person? And how are you going to get me healthy and confident? Now they might have questions that they need answers to. That's okay. But for the bulk, people want to know.   Where am I at? Why does this need to get done? And what are my steps to get it fixed? I was at the jeweler the other day and like, my gosh, it was like, you have these chips, you've got this, you've got this warranty. And I just, I didn't do anything because it was too much. I don't care about jewelry and chips and this like, is my diamond going to fall out or not? And what do I need to do to prevent that? And then they were like, well, it's this amount. And I was like, okay. But the ring didn't even cost me that much to begin with.   So you've got to make sure that it really makes sense to patients in the simplicity. So confidence, number one, you've got that. Words create worlds, you're gonna walk in there. Number two, we're gonna tee them up with giving the yeses. Number three, we're gonna give a very simple NDTR, give it to the patient, make sure it's clear and concise, what is the very next step. It's very clear, very simple for them to go through. And then we take them up to the front office and every person, if they follow this, we use route slips, we have handoffs, I don't care, you can have a virtual.   hand off, I don't care, you can type it in, but we need next visit date, time, so we're all saying the exact same thing. So this patient knows my goal for every practice is that that patient leaves the operatory, walks to the front office, which they should not do, but the visual is there that they walk up and like, hey, Kiera, Dr. Smith wants to see me back in two weeks for a crown and it needs an hour and a half for that. If it is that clear, and I need to schedule my cleaning with Sarah. Do you think that patient's bought in? The answer is yes.   You've already got them like 90 % of the way. Now all we've got to do is deal with finances. Like that's truly it. And sometimes that's not even the issue, but we need to make sure that we have that. Now, step four is schedule first. Put the emphasis and the priority on the schedule. People are like, so we got to do the crowds. It's going to be this amount. No, why are we talking money first? Dentist diagnosed it. We need to get this treatment done.   Why are we sitting here wondering if money is the issue or not? It's not, let's get the treatment done. Let's assume they want to do treatment. Remember, everybody says yes to Why would they the dentist if they don't want to get treatment done? They are here because they want to get their mouth healthy. They don't come here because they're like, well, I'm not gonna do anything with it. I went to the jeweler because I wanted my ring fixed. They made it so hard, I walked out of there because it was too hard for me. If they would have said, Kiera, perfect, your two choices are, we can either do it on warranty and this is how much it is, or if you don't, this is how much the total is.   If they would have just said it that simply for me, I would have probably fixed my ring. But it was all this nonsense that I walked out. So think about your patients the same way. So schedule first, that is our next step. Hey, perfect, so Dr. Smith wants to see you. He wants to see you back in two weeks. You're like, care of my schedule is so booked. Fine, when your schedule and my schedule align, please stop making objections for things that are simple. I need you to get out of your own way on case acceptance.   You sit there and over explain, give too many options, don't think it's good to give them urgency, cause you're like, well, the two is not gonna break. I hear you. But what you're lacking is they're gonna leave your practice, go to Costco, be thinking about cereal and the kids and dance. This is the time that they're dedicating to themselves to get their dentistry done. Be respectful of their time and make them a raving freaking fan. Make it so easy for them. I think about Disney. Disney makes it so easy for me to spend money with them.   It's a mobile app. I don't have to go stand in lines. I have this, I have that. They make it so easy for me to say yes. And my question to you is, are you making it easy for your patients to say yes to you or are you making it so hard that they don't want to? Are you making them so confused? They're like, I don't even know what just happened. With IVF, do you know how many words they talked to me about that I don't even know? But it was like, Kiera, this is your next step. This is the total of how much you'll pay and here are financing options if you need them. Now, the only reason I use that as an example,   is because IVF is about $50,000 per treatment. Just like you're all on excess cases, that is the appropriate time to talk about financing there because not everybody has 50 grand just sitting there, just like in that. But most people usually are okay with one to two to three to five to 10,000 even. Not all the time, and I'm not saying that, but be careful that then with treatment coordinate, and this is the fifth step, is we need to make sure that when we're presenting treatment, we don't assume that it's money. We don't assume it's all these things. It's not, it's your confidence in how you're saying it.   Schedule first, talk money second. Now when we're talking money, we go into it and they're like, but what's it gonna cost? No problem, I'm go over that. You're gonna be super confident. We're gonna make sure we take care of all that. Dr. Smith's super busy and I wanna make sure I reserve that time for you. I have Monday or Wednesday, which works best for you. Control the conversation, make it very simple for them. Make it very, very easy for them. Then after that, what we're gonna do is we present the totals. Here's the total amount. Here's the estimated insurance amount. This'll be your total when I see you on Wednesday.   What questions do you have for me? I want you to be super confident moving forward. I say super confident moving forward. I am guiding them. I am saying what I want them to do. This is all words again are free. Use them. I believe that this patient deserves it the best dentistry and I wanna make it as easy as possible. There was no pressure on it. There was nothing. It is very, very simple. I've told you what you need. We've got you scheduled. Here's the total. What questions do you have? Some people will be like, let's talk about financing.   Absolutely, we've got financing. Do you have savings or do you want to talk about third party financing? I'm not just throwing out my Rolodex because what happens is, and I did this, we were buying bikes. My husband and I were buying bikes back in COVID. And I remember they were like, ⁓ and or you could do this like thing and you won't have any interest. My husband and had the money. We would have paid right then and there, but because they would not stop talking and assume we weren't going to say yes,   They offered financing. And I know a lot of people fight me in the industry on this and like, no, Kiera, you should offer financing. Like that's the way of the world. I am really pro simple equates results. And if I can have simple things, I'm going to get a lot more yeses. So treatment coordination, we're going to have financial options. Make sure you have it. We want to have them immediately. We want to be really, really solid with this. We are going to present all of our treatment there. And then if they are not on a yes, I go past it two times.   If they're still not a yes, I'm gonna follow up with them in two days, two weeks, two months. Follow-up matters. You have got to follow up on this. We need to check in with them. People get busy, they've got questions. Love them. Do this out of love, not obligation. And that might be like my best line for you. Do everything with case acceptance out of love. I told the team the other day, I just imagine when a patient sits with me, I'm giving them a warm hug. And it's like, not an actual one. Please don't get weird. But like, how can I make you...   feel like you are the most important, incredible human being sitting right in front of me and I'm gonna help you get the best dentistry possible and I'm gonna make your day just a little bit better because you happen to be in my world today. That's the direction to come from. Doctors, that's the direction to come from when you're doing your case presentation. Hygienist, this is how we tee it up to our doctors. These are simple little steps and I promise you, if you will do these items, your case acceptance will flourish. If you choose to pick and choose like this as a buffet, it won't grow. It is all of these steps.   consistently every time when we look at the results, we review the results, we see how are we doing and we refine. Case acceptance is about refinement, it's not about perfection. Where am I having that one or two words where I just need to do that, just change it a little bit, what needs to happen? And I promise you, you're going to get it. So if you want help with this or you wanna be like the team where we're adding multiple millions, please, please, please join us. Reach out, Hello@TheDentalATeam.com. But you, your practice and your team.   deserve to have the best case acceptance. You deserve to have patients that love you, that wanna work with you. This is what it's about. They love you. So let them work with you. Make it easy to work with you. Progress over perfection is where it's at. And I am obsessed with this. Just think about it. People are like, well consulting, can cost so much. And I say, if I helped you get one or two more cases closed every single month, we'd pay for ourselves. And you have a fairy godmother on your team.   And you have somebody you can talk to about finances and you have somebody who grows your team and you have somebody who's going to help you with the business side of it. And you're going to have somebody who's way freaking smart in dentistry. And you're going to be able to have access to our entire group. And you're going to be able to come to a mastermind. Like why not? It is that simple. And this is what we do. And this is how we pay for our consulting. Plus give you your life back, plus help you with your patients and make your life incredible. So reach out. Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.

Workplace discrimination, gender-based violence and financial inequality—these are just some of the reasons why women need dedicated legal services. You don't have to navigate the legal system alone. In Australia, free legal services exist to advocate for vulnerable women in ways that are safe, confidential and culturally appropriate. - ሴቶች የተለየ የህግ ባለሙያዎች እንዲያስፈልጋቸው ከሚያደርጉት ምክንያቶች መካከል ፤ በስራ ቦታ የሚፈጸም መድልዎ ፤ ጾታን መሰረት ያደረገ ጥቃት ፤ በገቢ ላይ የሚደረግ ማበላለጥ የሚሉት ጥቂቶቹ ናቸው ፡፡ በአውስትራሊያ የህግ ተቋማትን ብቻዎትን ማፈላልገ አይጠበቅብዎትም ፡፡ በችግር ላይ ያሉ ሴቶች ደህንነታቸ በተጠበቀ ሁኔታ ፤ ምስጢራቸው እና ባህላቸውን ባገናዘበ መልኩ ነጻ የህግ አገልግሎት አለ፡፡

Workplace discrimination, gender-based violence and financial inequality—these are just some of the reasons why women need dedicated legal services. You don't have to navigate the legal system alone. In Australia, free legal services exist to advocate for vulnerable women in ways that are safe, confidential and culturally appropriate. - Phân biệt đối xử tại nơi làm việc, bạo lực trên cơ sở giới và bất bình đẳng tài chính chỉ là một số trong nhiều lý do khiến phụ nữ cần đến các dịch vụ pháp lý chuyên biệt dành riêng cho họ. Bạn không cần phải tự mình đối mặt với hệ thống pháp luật. Tại Úc, có các dịch vụ pháp lý miễn phí được thiết lập để hỗ trợ và bảo vệ phụ nữ trong những tình huống dễ bị tổn thương, theo cách an toàn, bảo mật và phù hợp về văn hoá.

Workplace discrimination, gender-based violence and financial inequality—these are just some of the reasons why women need dedicated legal services. You don't have to navigate the legal system alone. In Australia, free legal services exist to advocate for vulnerable women in ways that are safe, confidential and culturally appropriate. - التمييز في مكان العمل، والعنف القائم على النوع الاجتماعي، وعدم المساواة المالي. ليست سوى بعض الأسباب التي تجعل النساء بحاجة إلى خدمات قانونية متخصصة. فالمرأة ليست مضطرة لخوض غمار الدخول في مجاهل النظام القانوني وحدها؛ إذ توفر أستراليا، لها خدمات قانونية مجانية تُعنى بالدفاع عن النساء الأكثر عرضة للأذى و يشعرن بالضعف إزاء حصولهن على حقوقهن، بطريقة آمنة وسرية وتراعي الخصوصية الثقافية.

Workplace discrimination, gender-based violence and financial inequality—these are just some of the reasons why women need dedicated legal services. You don't have to navigate the legal system alone. In Australia, free legal services exist to advocate for vulnerable women in ways that are safe, confidential and culturally appropriate. - Diskriminasi di tempat kerja, kekerasan berbasis gender, dan ketidaksetaraan finansial — ini hanyalah beberapa alasan mengapa perempuan membutuhkan layanan hukum khusus. Anda tidak harus menavigasi sistem hukum sendirian. Di Australia, ada layanan hukum gratis untuk mengadvokasi wanita rentan dengan cara yang aman, rahasia, dan sesuai budaya.

The basis trade paid 15–30% near risk-free for years. Options couldn't compete. Then 10/10 happened. ======================================================== As Bitcoin's application layer, Citrea gives you access to the first trust-minimized BTC on a fully programmable platform and a native stablecoin for Bitcoin, ctUSD. You can now participate in Bitcoin capital markets with lending, privacy, payments, Bitcoin yield, trading and predictions. You get expanded Bitcoin utility without sacrificing its security. Citrea mainnet is live. Put your BTC to work at citrea.xyz/unchained.   Ether.fi is giving Unchained listeners 15% cashback on food and ride apps — and that's on top of the 3% you get on everything else.  Your bank is charging you to use your own money. Laura switched and loves her card! Go to ether.fi/unchained to claim your offer. ======================================================== For years, the basis trade and token-launch points farming crowded out options as a yield tool in crypto — not because options were inferior, but because the alternatives were simply too easy and too lucrative.  That changed on 10/10. With the basis trade effectively dead and altcoin valuations cratered, a window has opened for onchain options to compete for capital in a way they never could before.  Nick Forster, CEO of Derive (formerly Lyra), has been building toward this moment for five years. He joins LTR, venture investor at Cosmos, who has tracked the full graveyard of failed options DEXes — Opyn, HEGIC, Ribbon, Dopex, Strike — and still believes this time is different. The question isn't whether crypto options will scale. It's whether the infrastructure is finally ready. Host: ⁠⁠Laura Shin⁠⁠, Host / Unchained Guests: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nick Forster, CEO and Founder, Derive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LTR, Venture Investor, Kosmos Learn more about your ad choices. Visit megaphone.fm/adchoices

Matt Spiegel and Laurence Holmes held the Ben's Vision segment, where they assessed whether the Bears can land what they view as an "elite" prospect with the No. 25 overall pick in the first round of the NFL Draft.

As Phillies third baseman Alec Bohm continues to struggle at the plate, Joe Giglio looks at a few different trade scenarios where the Phils could upgrade at the hot corner. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this episode we breakdown the New York Jets draft options with Gunny Gumby/NY Jets Situation Report.  Reese or Bailey? Best wr option for the Jets? What can Aaron Glenn do to save his job? 

Workplace discrimination, gender-based violence and financial inequality—these are just some of the reasons why women need dedicated legal services. You don't have to navigate the legal system alone. In Australia, free legal services exist to advocate for vulnerable women in ways that are safe, confidential and culturally appropriate. - Διακρίσεις στον χώρο εργασίας, έμφυλη βία και οικονομική ανισότητα: αυτοί είναι μόνο μερικοί από τους λόγους για τους οποίους οι γυναίκες χρειάζονται εξειδικευμένες νομικές υπηρεσίες. Δεν χρειάζεται να αντιμετωπίσετε το νομικό σύστημα μόνες σας. Στην Αυστραλία, υπάρχουν δωρεάν νομικές υπηρεσίες που υποστηρίζουν τις ευάλωτες γυναίκες με τρόπους που είναι ασφαλείς, εμπιστευτικοί και πολιτισμικά κατάλληλοι.

Workplace discrimination, gender-based violence and financial inequality—these are just some of the reasons why women need dedicated legal services. You don't have to navigate the legal system alone. In Australia, free legal services exist to advocate for vulnerable women in ways that are safe, confidential and culturally appropriate. - ኣብ ስራሕ ቦታ ኣድልዎ ፣ ኣብ ጾታ ዝተመርኰሰ ዓመጽን ገንዘባዊ ዘይማዕርነትን ፣ ገለ ካብቲ ደቂ-ኣንስትዮ ርእሱ ዝኸኣለ ሕጋዊ ኣገልግሎት ዝደልያሉ ምኽንያታት እዩ ። ነቲ ሕጋዊ ኣገባብ በይንኻ ክትምርምሮ ኣየድልን እዩ ። ኣብ ኣውስትራሊያ ንመጥቃዕቲ ዝወርደን ደቂ ኣንስትዮ ድሕንነት ብሕልዉ ፣ ምስጢራውን ባህላውን መንገዲ ዝድገፍን ናይ ናጻ ሕጊ ኣገልግሎታት ኣሎ ።

They dive into Baltimore Ravens draft rumors and roster needs. The Big Bad Morning Show welcomes Ken McKusick to analyze the interior defensive line and potential draft targets for the upcoming season. 01:27 - Baltimore Sports Update 04:21 - Ravens Draft Rumors 06:08 - Defensive Line Analysis

Looking to step into a new career? You're not the only one, the stats suggest. No matter your age, background or whether English is your first language, a career change at some point is almost inevitable nowadays. In Australia, support is available to help you through the process. - Potpuno je normalno i očekivano da u nekom trenutku svog života počnete preispitivati svoj karijerni put. I dok neki tragaju za novim prilikama, drugi žele pronaći posao koji u boljoj mjeri odgovara njihovim vještinama, vrijednostima ili okolnostima. Bez obzira jeste li na početku svog radnog puta ili imate dugogodišnje iskustvo iza sebe, promjena karijere može biti zastrašujući poduhvat. U ovoj epizodi Vodiča za useljenike razmatramo što karijerna promjena u Australiji može uključivati, a ujedno vam donosimo savjete o tome gdje pronaći pouzdane informacije, podršku koja vam je dostupna i kako pristupiti procesu traganja za novim poslom ako engleski nije vaš materinji jezik. Stručnjaci otkrivaju gdje se radna mjesta razvijaju i koje su tražene vještine.

Workplace discrimination, gender-based violence and financial inequality—these are just some of the reasons why women need dedicated legal services. You don't have to navigate the legal system alone. In Australia, free legal services exist to advocate for vulnerable women in ways that are safe, confidential and culturally appropriate.

360: Ultra filtered milk has less sugar and more protein and it's lactose free! So what's the issue? I bet you didn't know the process of how it's made and the extra steps these brands go through to accomplish this innovative milk and why you may not be digesting dairy properly. Today I'm sharing why I stay away from any of this ultra milk and why you may want to think twice before consuming them. Plus, I'm sharing my top milk bands!  Topics Discussed:  → Is ultra filtered milk actually healthier than regular milk? → Why does ultra filtered milk have more protein and less sugar? → Is lactose free milk easier to digest or harmful? → What is the processing method behind ultra filtered milk? → Why might dairy cause digestion issues even if it's lactose free? As always, if you have any questions for the show please email us at digestthispod@gmail.com. And if you like this show, please share it, rate it, review it and subscribe to it on your favorite podcast app.  Sponsored By:  → Fatty15 | For 15% off the starter kit go to https://fatty15.com/digest → Our Place | Go to https://fromourplace.com/digest and shop their 40% off sitewide sale for a limited time!  Timestamps: → 00:00:00 - Introduction  → 00:03:15 - Raw Milk + Immunocompromise  → 00:04:45 - Fairlife Milk  → 00:07:41 - Milk Pasteurization Types  → 00:11:42 - Milk Refrigeration  → 00:15:32 - Ultrafiltered Milk  → 00:18:48 - Inspired Milk  → 00:20:30 - Heating Milk  → 00:22:31 - Milk Recomendations  Further Listening: → Think You're Dairy Intolerant? Try This First | BOK Check Out Bethany: → Bethany's Instagram: @lilsipper → YouTube → Bethany's Website → Discounts & My Favorite Products → My Digestive Support Protein Powder → Gut Reset Book  → Get my Newsletters (Friday Finds) Learn more about your ad choices. Visit megaphone.fm/adchoices

April 13, 2026 - Season 16, Episode 119 of The Terrible Podcast is now in the can. In this Monday morning show, Alex Kozora and I get right into discussing the pre-draft visitors the team recently hosted on Friday. That means that we fully discuss three draft prospects in OT Travis Burke, LB Harold Perkins, and CB Malik Muhammad. With the Steelers bringing in quite a few cornerbacks for pre-draft visits this year, Alex and I examine the possibility of the team selecting one in the first two days of the 2026 NFL Draft and even as early as the second round at 53rd overall. On the heels of Alex doing a draft study on wide receivers that have been selected over the years, we ho over the one player that checked every box and the few that were able to check all but one of the testing boxes. We discuss how future studies for other positions are likely to go by the wayside due to most players have incomplete pre-draft testing profiles. Could and should the Steelers select a punter this year during the draft? Alex and I attempt to answer that question later in this show and as part of that, we look at the top punter in this draft class. This 78-minute episode also discusses several other minor topics not noted in the recap above and we end this show by answering several email questions we received from listeners. steelersdepot.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The guys hear from the people on the Red Wings options posed.

Marc and Rico hear from a few more of the people on the McGonigle topic. Then, they shifted gears to pose 3 different scenarios that could happen this offseason with the Red Wings, having a discussion about which one they'd pick.

Ralph made Kevin identify high risk guys the Saints could draft. The first half of Mock was excellent...the back half...we had issues.Saints Happy Hour is brought to you by Hardhide Ponchatoula Strawberry Whiskey and Chilton County Peach Whiskey!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Coppernico Metals said it acquired an option on mineral concessions aggregating 600 hectares adjacent to its Tipicancha target at its Sombrero Project in Peru. Last week Chair and CEO Ivan Bebek spoke to Mining Stock Daily. Located in Peru, the company's Sombrero Project is a land package of approximately 57,000 hectares located in the north-western margins of the Andahuaylas-Yauri trend. It consists of a number of prospective exploration targets characterized by copper-gold skarn and porphyry systems and precious metal epithermal systems.

Update Series (2026): At-Home Diagnostic and Therapeutic Options in Men's Health Host: Mark L. Gonzalgo, MD, PhD, MBA Guest: Richard J. Fantus, MD Now in its 45th installment, the AUA Update Series is renowned for delivering high-quality lessons to practicing urologists, fellows and residents. All content is developed by internationally recognized experts in urology, making the AUA Update Series the most professional and sought-after self-study program available. Improve your practice and patient care by staying abreast of the latest treatments and surgical techniques in urology. For more information or to subscribe to the AUA Update Series, please visit CME.auanet.org

Looking to step into a new career? You're not the only one, the stats suggest. No matter your age, background or whether English is your first language, a career change at some point is almost inevitable nowadays. In Australia, support is available to help you through the process. - Ma hiigsanaysaa inaad u gudubto xirfad shaqo oo cusub? Kaligaa ma tihid, marka loo eego xogta iyo tirokoobyada dalka ka jira. Meel kasta oo ay da'daadu tahay, asalkaaga, ama xitaa haddii uu Af-Ingiriisku yahay luqaddaada koowaad iyo haddii kaleba, in qofku uu mar uun shaqadiisa beddesho, mid aan laga baaqsan karin bay noqotay sammankan la joogo. Warbixintan waxaynu ku eegaynaa fursadaha iyo taageerada ka jirta Australia ee laga heli karo si ay kaaga caawiyaan hannaankaas isbeddelka ah.

A gentle cesarean, also called a family-centered cesarean, involves adjustments that shift a cesarean from a standard surgical procedure to a more personal, connected birth experience. As cesarean births have become more common, the options available to you have expanded significantly. However, options only matter if you know they exist. If you do not know what you can ask for, you cannot advocate for it, especially when it comes to options that may not be part of your care provider's routine standard of care. This episode walks through every modification, from clear drapes and immediate skin-to-skin contact to a slower delivery and delayed cord clamping. We also take a deep dive into the rapidly evolving research on vaginal seeding and what it means for your baby's microbiome. Whether you are planning a cesarean or preparing a backup plan, understanding these options gives you the tools to advocate for the birth experience you want. Full article and resources for this episode: https://pregnancypodcast.com/gentlecesarean/ Thank you to the brands that power this podcast: 8 Sheep Organics makes amazing, 100% Clean, Natural Pregnancy Products. From skin care to treating common pregnancy symptoms like stretch marks with clinically proven ingredients, 8 Sheep Organics has you covered. Every product from 8 Sheep Organics comes with a 100-Day Happiness Guarantee. You can try it completely risk-free for 100 days. If you feel the product has not worked for you, or if you're not 100% happy with your purchase, simply send them an email and they will get you a refund, no questions asked. Check out 8 Sheep Organics and save 10% when you go to https://pregnancypodcast.com/8sheep/ AG1 is the Daily Health Drink that combines your multivitamin, pre- and probiotics, superfoods, and antioxidants into one simple, green scoop. It's one of the easiest things you can do to support your body every day. When you first subscribe to AG1, you'll get an AG1 Welcome Kit, a bottle of Vitamin D3+K2, AND you'll get to try each new flavor of AG1. Unlock the Ultimate AG1 Starter Kit at https://drinkAG1.com/pregnancypodcast Get More from the Pregnancy Podcast Join thousands of expecting parents who stay up to date with the latest pregnancy news, new episode alerts, exclusive offers, and more: https://pregnancypodcast.com/newsletter Upgrade to Pregnancy Podcast Premium for ad-free episodes, full access to the back catalog, and a free copy of the Your Birth Plan book: https://pregnancypodcast.com/premium Save with discounts and deals available for Pregnancy Podcast listeners: https://pregnancypodcast.com/resources Follow your pregnancy week-by-week with the 40 Weeks podcast. Learn how your baby grows, what's happening in your body, what to expect at prenatal appointments, and get tips for dads and partners: https://pregnancypodcast.com/week Find more evidence-based information on the Pregnancy Podcast website: https://pregnancypodcast.com

Are today's tax rates the lowest you'll ever see in your lifetime?In this episode of Money on Tap, we introduce the concept of “Generation Roth”—a powerful shift in retirement planning focused on building tax-free income in a world where taxes are likely to rise.For decades, traditional retirement planning has relied on tax-deferred strategies like 401(k)s and IRAs. But with growing national debt, changing tax policy, and increasing retirement complexity, that approach may no longer be enough.In this episode, you'll learn:• Why today's tax environment may be historically low  • How rising national debt could impact future tax rates  • The truth about being in a “lower tax bracket” in retirement  • What a Roth IRA is and why it matters now more than ever  • How Roth strategies create tax-free income  • Options for high-income earners who can't contribute directly to a Roth  • The role of Roth conversions and advanced planning strategies  • The concept of “tax diversification” in retirement planning  • How to think about retirement as an income system—not just a savings goal  This episode is designed for anyone who wants to take greater control over their financial future and build a more tax-efficient retirement strategy.Because retirement isn't just about how much you have—it's about how much you keep.

Looking to step into a new career? You're not the only one, the stats suggest. No matter your age, background or whether English is your first language, a career change at some point is almost inevitable nowadays. In Australia, support is available to help you through the process. - 新しい仕事に挑戦したいと考える人は少なくありません。統計からも、多くの人がキャリアを見直していることがわかっています。年齢や経歴、英語力に関わらず、今ではキャリアチェンジを経験するのが一般的になりつつあります。オーストラリアでは、その過程を支えるサポートも用意されています。

Bijan Robinson & CJ Stroud.. 5th-Year Options Picked Up

Subscribe to the OPEX Effect on Spotify⁠⁠⁠⁠Subscribe to the OPEX Effect on Apple PodcastsThis episode of The Opex Effect breaks down why markets have remained surprisingly resilient despite geopolitical chaos, an oil shock, and extreme headline risk. Brent Kochuba joins Jack Forehand to analyze what's really driving the market beneath the surface—from options flows and gamma positioning to the collapse in volatility and what it signals for the next move.They explore how the options market is shaping price action in ways most investors miss, why the VIX collapsed despite elevated risk, and what positioning tells us about the path forward as we head into earnings and the next major options expiration.Topics covered:Why markets have stayed near highs despite war, oil spikes, and macro uncertaintyThe “taco trade” and why investors expect bad news to reverse quicklyHow options flows and dealer hedging are influencing stock pricesWhy call options are historically cheap heading into earningsThe mechanics of gamma, delta hedging, and market maker positioningWhy options expiration (OpEx) can act as a turning point for marketsThe divergence between oil prices and equity volatilityWhat the collapse in the VIX reveals about investor positioningThe role of zero-DTE options in reinforcing short-term market rangesKey resistance levels forming from call selling and what they mean for upsideTimestamps:00:00 Why markets aren't reacting to geopolitical chaos04:18 The “taco trade” and shifting market expectations07:30 How options flows influence stock market movements11:10 Why OpEx can drive market turning points13:05 Volatility compression and the gamma-volatility relationship15:30 How large options positioning shapes market behavior18:05 Why positioning has shifted toward calls20:00 Why this OpEx may be less impactful than prior ones22:00 Market positioning into earnings and key drivers ahead24:10 Using gamma maps to identify support and resistance27:00 Revisiting the JP Morgan collar trade and March lows30:00 Correlation spikes and the oil-volatility relationship33:00 Why oil has stopped driving equity volatility34:30 The breakdown between oil and VIX correlation36:00 Why volatility may reprice higher after OpEx37:05 The oil curve and expectations for a short-term shock39:40 One of the largest VIX collapses ever41:00 How options positioning drove the volatility unwind43:00 Why selling volatility has become a dominant strategy45:00 The feedback loop between rising markets and falling volatilityFor more information on SpotGamma and Brent's work:https://spotgamma.comFollow Brent on Twitter:https://twitter.com/spotgamma

(00:30) Department of Justice investigating NFL for potential anticompetitive practice (09:38) Patriots HC Mike Vrabel and reporter Dianna Russini say photos of the two at an Arizona resort are misleading (34:12) Report: Texans exercise 5th year options on QB C.J. Stroud, DE Will Anderson (42:36) Jaguars GM James Gladstone on CB/WR Travis Hunter: “He’ll be, for all intents and purposes, a limited participant throughout the offseason program with eyes on return to play at full tick in training camp.” (43:48) Should Jaguars stick with Hunter playing both ways? (47:41) Giants OC Matt Nagy: “I know how much respect that Jaxson has for Patrick… but we've also made it clear, you have to be Jaxson Dart. He's going to do that." (52:48) 16 players invited to attend NFL Draft in Pittsburgh on April 23See omnystudio.com/listener for privacy information.

In ‘What's More Likely' Rich weighs in on the Las Vegas Raiders' quarterbacks room, if Panthers QB Bryce Young or Houston Texans QB CJ Stroud gets an extension first, if the Jacksonville Jaguars or Green Bay Packers have more regret for their big trades that flamed out with season-ending injuries to Travis Hunter and Micah Parsons, the NBA Playoffs, The Masters, and more. NFL Insider Tom Pelissero and Rich discuss the lack of true blue chip prospects in this year's NFL Draft, if a team like the Dallas Cowboys could make a big move and trade up in the draft, the Jaguars' decision to make Travis Hunter a full-time cornerback only, the Houston Texans' long-term plans for CJ Stroud and Will Anderson Jr., and how Alabama QB Ty Simpson compares to San Francisco 49ers QB Brock Purdy. Rich weighs in on the New York Jets' options with their two first-round NFL Draft picks this year. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Anthony and Pete have found themselves on opposite ends of the spectrum as far as LeBron's future is concerned. Anthony thinks a return makes the most sense for all involved. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Looking to step into a new career? You're not the only one, the stats suggest. No matter your age, background or whether English is your first language, a career change at some point is almost inevitable nowadays. In Australia, support is available to help you through the process. - নিজের কাজের জীবন নিয়ে নতুন করে ভাবা খুবই স্বাভাবিক। কেউ নতুন সুযোগ খুঁজছেন, আবার কেউ এমন একটি কাজ চান যা তাদের দক্ষতা, মূল্যবোধ বা পরিস্থিতির সঙ্গে বেশি মানানসই। ক্যারিয়ার পরিবর্তন অনেক সময় কঠিন মনে হতে পারে, আপনি কর্মজীবনের শুরুতে থাকুন বা আপনার বহু বছরের অভিজ্ঞতা থাকুক না কেন।

Andy and Jonathan Vance from Vance Financial Planning share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Given current world affairs and their impacts on the markets, should you do anything different with your investments, or are there any other planning opportunities to consider ( 14:20 )Tax updates for 2026, and some recap of tax takeaways for 2025 now that the 2025 tax return season is mostly behind us ( 26:27 )Using in-kind gifts to family and friends to get rid of appreciated non-qualified assets you no longer want, but don't want to sell and realize the gains ( 38:45 )The importance of having a good grasp on your future expenses and how that impacts virtually all aspects of retirement planning ( 46:00 )The practicality of the "die with zero" concept, and how Monte Carlo can help try to put it into practice ( 1:00:48 )Questions to ask when interviewing a financial advisor ( 1:11:54 )Options for what to do with permanent life insurance policies or annuities you might no longer want, or are no longer in your best interest ( 1:23:10 )Links in this episode:Vance Financial Planning website - https://www.vancefp.comManuka Financial's article, 9 Questions to ask a Flat Fee (or any!) Financial Advisor as you Near Retirement - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Leila Rahimi and Marshall Harris were joined by Chicago Sports Network analyst Clay Harbor to break down the Bears' options in the NFL Draft.

In the final hour, Leila Rahimi and Marshall Harris were joined by Chicago Sports Network analyst Clay Harbor to break down the Bears' options in the NFL Draft.

Former Redskins TE and Host of the Take Command Podcast joins to talk Commanders draft prospects. He thinks the options are endless. #NFL #commanders

Seth and Sean discuss the Astros getting swept by the Rockies, Christian Javier and Jake Meyers leaving the game with injuries, the Texans picking up the 5th year options on CJ Stroud and Will Anderson, and go through the day's Headlines.

Buying a gym can be one of the best business decisions you'll ever make or one of the most expensive mistakes of your life.In this episode of “Run a Profitable Gym,” Two-Brain Business CEO John Franklin and attorney Matthew Becker of Gym Lawyers PLLC walk you through exactly how to buy a gym without overpaying, buying a disaster or landing on legal landmines.Matthew has handled over $50 million in gym transactions, and John has personally bought and sold five gyms in New York City.In this step-by-step training, the pair break down:The formula for valuing a gym.Factors that impact the valuation.How to define and find the gym you're looking for.The legal process for buying a gym.Options for financing a gym purchase.Before you commit to a buy, check out this show and make sure you're setting yourself up for long-term success in the fitness industry.LinksFree valuation calculator: "How to Buy a Gym""How to Value a Gym: SDE, Multiples and What a Gym Is Actually Worth"Book a CallGym Lawyers Consultation2:41 - How to value a gym17:14 - Define your “buy box”18:55 - The search22:12 - Legal and financing36:43 - The full playbook

(1) Jonah Dylan from the Commercial Appeal on to describe Memphis FB Offense (2) Acuff vs. Wagler? J&J check out the Grizzlies options in 2026 NBA Draft (3) Thunder lock up the #1 seed in the West

With California's primaries just around the corner, a seismic shift is happening — and many Californians are either clueless or in denial. The recent endorsement of Steve Hilton by Donald Trump has turned the political rumor mill into a full-blown circus, threatening to upend the state's already fragile political landscape. If the Trump endorsement was meant to sway the race, it might just be fueling a chaos that could curse or empower Californians' future.In this episode:The impact of Trump endorsing Steve Hilton and how it could reshape the Republican primary race.Why California's usual politics are being challenged by fresh, outsider candidates like Hilton and Bianco.The possibility of a Democrat boycott or continued stagnation as the party struggles with internal divisions.Predictions on whether California is heading toward a political upheaval or a return to “business as usual.”Critical issues like ballot harvesting, homelessness, and voter trust—none of which are being adequately tackled by the candidates.How elites and billionaire tech moguls are pushing for socialist policies and what that could mean for a state long used to political dynasties.Connect:California UndergroundKyle Campbell - Politically Basic TwitterSusan Collins - InstagramKyle Campbell: TwitterSusan Collins: InstagramTimestamps:00:00 - California Primary Chaos: What's Really at Stake?02:15 - Trump's Endorsement: Blessing or Curse for California Politics?05:00 - The Fall of Gavin Newsom's Political Dynasty07:30 - Are the Democrats Running Out of Options?09:50 - How the Republican Field Could Be Swayed by Trump's Backing12:10 - Voter Attitudes: The Real Issues They Care About15:45 - The Threat of Socialism and Tech Billionaire Influence18:00 - Who Should California Be Putting Forward?21:30 - The Growing Power of Independent Voters and Third Parties24:45 - Future Scenarios: What If Swallow or Porter Win?28:00 - The Power of Local Elections and Why They Matter31:20 - Will California Break Its Political Mold?34:00 - The Deeper Problems: Public Safety, Homelessness, and Education37:00 - The Future of Republican and Democrat Parties in the Golden State40:30 - Wrap-up: What Can Californians Do Now?This episode reveals the shocking realities behind California's politically shaky ground, highlighting mismanagement, voter disenfranchisement, and the looming threat of radical policies. If you think your vote doesn't matter or that California's politics are just a game, think again. The chaos we discuss could shape the state's future — perhaps even its survival.

Let's talk about the Pentagon vs Trump_ Options, the foreseeable, and the future...

Going Long Podcast Episode 618: Why Being Constantly Available Is Quickly Devastating Your Options  ( To see the Video Version of today's conversation just CLICK HERE. ) In today's episode of The Going Long Podcast, you'll learn the following:   [00:24 - 00:54] Billy welcomes us to, and introduces, today's show. [00:54 - 11:28] Billy takes a look at the negative impact that being constantly available has, and sets out how you can avoid or rectify this major pitfall. [11:28 - 12:39] Billy wraps up the show.   If you're a corporate executive who wants to make your role optional, then grab your FREE ebook with Billy's proven 3 step process at:  www.makeitoptional.com What you can expect to get out of this ebook: Learn how to achieve corporate optionality Gain true control over your career Turn corporate skills into personal assets With 26 years of experience in corporate sales leadership, achieved optionality through multiple income streams, Billy has helped dozens of executives build their paths to take control of their time. This free ebook gives you everything you need to identify, plan, and take control of your career while building financial optionality, leveraging your skills, and start living your IDEAL day - today! Go to: www.makeitoptional.com Click the above link or just copy and paste the following directly into your browser to sign up and get your free ebook: https://www.makeitoptional.com/?utm_source=podcast&utm_medium=social&utm_campaign=p2olm  To see the Video Version of today's conversation just CLICK HERE.   How to leave a review for The Going Long Podcast: https://youtu.be/qfRqLVcf8UI     Be sure to connect with Billy!  He's made it easy for you to do…Just go to any of these sites:   Website: www.billykeels.com Youtube: billykeels Facebook: Billy Keels Fan Page Instagram: @billykeels Twitter: @billykeels LinkedIn: Billy Keels

Opening Bible Verse: Proverbs 21:5 Last week your homework was to figure out what you were spending each month on groceries/food. Can you afford to be spending this much? If so, is it still high and you could reign in your spending a bit? Great! How are you going to track how much you are spending so you know you are making progress towards your financial goals? In today's podcast episode, I give you four levels on budgets and ways to track spending. If you're really strapped for cash all the way through living high on the hog. Let's talk about it. Drop any questions in the Facebook group or come to the live Q & A on April 22nd IF YOU ARE A NEW LISTENER, WELCOME! BEGIN HERE: This year we are doing my group coaching course together via this podcast! It's free and it only gets better as the year progresses.  In January we began with God at the center of our day and our home. We worked to build the habit of a morning prayer routine. I highly recommend the rosary. It's only about 20 minutes and you'll meditate on the whole life of Jesus. February is the month of decluttering. Saturday episodes have been added to focus on decluttering in the kitchen. Each month will have a different focus area and the Saturday episodes will help you focus on one small section of that room.  In March we decluttered your wardrobe. In April we are moving into budgeting for food. Our Saturday episodes will still be about decluttering. Our declutter focus area for April is your bedroom. Give this first episode of 2026 a listen to hear where to begin: 316. Your 2026 Life Overhaul Plan: Faith, Clutter, Debt, Diet and More!  If you've never prayed a rosary or you want to see how you can incorporate it into active decluttering, here is the first episode of my rosary declutter series from last summer. 288. Summer Declutter Series Week Just getting started on your decluttering journey? Give this episode a listen before you begin: 322. Guidelines to Decluttering ***Are you so overwhelmed with clutter that you find yourself unable to make any decisions? Do you plan on decluttering only to find yourself standing in a room confused about where to start? Are you hoping motivation will strike and you'll get it all done in one weekend? If this sounds like you, let's work together. Book a one hour virtual coaching session via Zoom. Together we craft a decluttering plan and I walk you through the process. You'll complete much of the decluttering on your own time at your own pace. I just give you the roadmap and the accountability. Cost $77 per hour. Virtual Coaching Schedule   Not sure what you need? No problem! Book a complimentary 15 minute clarity call. We'll meet via Zoom and see if working with me would benefit you.  Email me at: tightshipmama@gmail.com to schedule a time.   Looking for community of like-minded women? Join the private Facebook community here: Facebook Group Prefer to receive a weekly email with the monthly freebie like a group rosary, group declutter, or budget Q&As?  Join my mailing list here: Monthly Newsletter   For any other inquiries or guest appearances, please email me at: tightshipmama@gmail.com    

This episode of Excess Returns features Jim Paulsen breaking down the current macro environment through a series of powerful indicators, including oil, interest rates, consumer behavior, and market sentiment. The discussion explores whether today's environment signals a slowing economy—or the early stages of a new bull market hidden beneath the surface.Subscribe to the Jim Paulsen Show on Spotify⁠⁠Subscribe to the Jim Paulsen Show on Apple PodcastsJim walks through a wide range of charts and frameworks, from the Walmart vs. luxury retail signal to private credit stress, productivity trends, and policy uncertainty, offering a data-driven perspective on where markets and the economy may be headed next.Paulsen Perspectives Substackhttps://paulsenperspectives.substack.comTopics CoveredWhy the recent oil spike hasn't impacted inflation and interest rates as expectedSlowing economic growth vs. recession risk and what the Fed might do nextThe Walmart vs luxury retail indicator and what it signals about the economyPrivate credit risks and how they differ from traditional credit crisesWhy many indicators point to a new bull market rather than a bearThe role of sentiment, volatility, and uncertainty in driving market returnsMarket rotation from mega-cap “new era” stocks to broader market leadershipCorporate profits divergence and the opportunity in the rest of the economyLiquidity, cash levels, and positioning as potential fuel for marketsProductivity trends and whether AI-driven gains are real or overstatedTimestamps00:00 Intro and current macro backdrop01:05 Oil spike and limited impact on yields and inflation04:45 Growth outlook and why recession may still be avoided07:10 Fed policy and the stagflation question10:15 Walmart vs luxury retail indicator explained13:40 Private credit stress vs traditional credit cycles17:00 Why this isn't 2008 and how balance sheets differ19:50 Private credit risks and market spillover effects22:15 Bear market fears vs signs of a new bull23:45 Consumer confidence and its impact on returns25:05 Oil spikes historically as buy signals26:15 VIX, volatility, and market bottoms27:05 Yield curve steepening and market implications28:05 Sentiment indicators and what they really reflect30:00 Market rotation and broadening beyond mega caps32:45 Passing the baton from tech to broader markets35:15 Corporate profits divergence and future potential37:00 Policy uncertainty and why it can be bullish42:05 Liquidity, cash levels, and risk allocation43:20 Options positioning and put-call signals44:05 Gold vs commodities and risk appetite45:10 Consumer credit contraction and market signals46:20 Polymarket recession probabilities as sentiment47:30 Economic sentiment collapse and contrarian signals48:10 Interest rate expectations and positioning49:05 Unemployment trends and historical market bottoms50:25 Productivity trends and AI impact on the economy

Who are the best options over the final 4 days of games? Has anyone new emerged? Who is sitting and can be dropped with some full day schedules coming up? Dan and Kingy take questions and shoot the breeze in our final crossover event during the season! The Old Man Squad has a PATREON now. It's $1 and doesn't get a single benefit. It is entirely to support the mission here but won't change anything we do. https://www.patreon.com/cw/oldmansquad Follow Dan Besbris on Twitter: https://x.com/danbesbris Find Dan on the brand new BlueSky social network: https://bit.ly/3Vo5M0N Check out Dan's Google Sheet with Ranks, Weekly Streaming Schedule Charts & Injury Replacement Adds FREE! https://bit.ly/3XrAdEW Listen and subscribe on iTunes: https://apple.co/3XiUzQK Listen and subscribe on Spotify: https://spoti.fi/3ACCHYe Float on over to the new Old Man Squad Sports Network YouTube page to watch videos from the network's top talent: https://bit.ly/46Z6fvb Join the Old Man Squad Discord to chat with Dan and all the other hosts: https://t.co/aY9cqDrgRY Follow Old Man Squad Fantasy on Instagram for all our short videos: https://bit.ly/3ZQbxrt Podcast logo by https://twitter.com/freekeepoints Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the 9am hour, Joe, Jon, and Rhea analyze Mike Mayock's evaluation of the wide receiver class and how it impacts the Eagles' strategy regarding AJ Brown. They also discuss viral rumors surrounding reporter Dianna Russini and investigate the ethics of sports journalism. The group shares advice for Joe visiting his alma mater and recap a heated MLB brawl between Jorge Soler and Reynaldo Lopez. 01:50 - NHL Jersey Numbers 05:20 - Eagles Draft Strategy 08:45 - Life Advice Segment 14:30 - Front Office Dynamics 18:10 - Reporter Integrity Debate 22:15 - Mayock Draft Evaluation 27:45 - Flyers Fan Engagement 33:10 - MLB Mound Charging 39:10 - Wide Receiver Value

Bump and Stacy have their weekly conversation with Seahawks Draft Blog’s Rob Staton to get his thoughts on some Running Backs the Seahawks could select with pick 32 in the draft as well as some interesting late round prospects, they answer your questions about Fernando Mendoza’s draft decision and the Seahawks offensive line draft history in Four Down Territory, they hear Willson Contreras’ wild reaction to getting hit with a pitch in the Timeline, and they hop aboard the Hype Train! 

What happens when your body gives out but your will refuses to quit? Ty Gipson has lived that question — diagnosed with brittle Type 1 diabetes at age eight, he went on to survive three major transplant surgeries while building a thriving business and raising a family. In this episode, Ty shares the remarkable story of receiving a kidney from his mother at age 30, fighting through dialysis while running a 45-person company, and ultimately receiving his wife's kidney after she turned out to be a perfect match. Through each trial, Ty forged his "No Options" mindset — a practical three-step framework for pushing through adversity. The framework breaks down into three simple pairs: grow or die (what we do), hope or despair (how we think), and humor or drama (how we talk). Ty explains why "just think positive" is an empty platitude and why taking smaller mental bites is the real key to building resilience. He also opens up about how sharing his story — something his father taught him never to do — became the very thing that transformed his life and inspired others to become organ donors. Video Chapters 0:00 Introduction — When your body gives out but your will refuses to quit 0:46 Welcome to Finding Freedom & sponsor: Fox and Sons Coffee 4:16 Diagnosed with brittle Type 1 diabetes at age eight 8:43 Growing up in Texas, sports, and just wanting to be a normal kid 12:53 Kidneys failing at 30 — the dual kidney/pancreas transplant surgery in Baltimore 13:53 The midnight Super Bowl Sunday call — a match is found 19:03 Life after transplant: marriage, adoption, and building Waterboy Graphics 25:53 Kidneys fail again in 2019 — back on dialysis with a 45-person company 28:23 The "No Options" 3-step mindset framework (Grow or Die / Hope or Despair / Humor or Drama) 33:29 Final takeaways: lock arms with each other and share your stories 35:31 Where to find Ty & the No Options podcast Links & Resources Ty Gipson's website: https://tygipson.com No Options with Ty Gibson Podcast — available on Spotify and all major podcast apps Fox and Sons Coffee (sponsor) — 15% off $40+ orders with code JOHN: https://foxnsons.com SUPPORT LIONS OF LIBERTY: Help keep this podcast going! We rely on listener support to continue bringing you content on freedom, political reform, and personal empowerment. Support us on Patreon: https://patreon.com/lionsofliberty Support us on Locals: https://lionsofliberty.locals.com/ Subscribe, rate, and review wherever you listen – it makes a huge difference! Learn more about your ad choices. Visit megaphone.fm/adchoices