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258: In this episode, I'm talking with Don Healy, the creator of the Site Facts Report, a tool I used myself, and was shocked at what it uncovered.(Show Notes: REtipster.com/258)If you're investing in land or planning to build, you should understand what this report is and what it can reveal. For $500, it can save you tens of thousands, and even help you avoid some deals you'd otherwise regret.We break down who should use this report, when to order it, and how it fits into your land-buying strategy. Whether you're flipping, building, or just holding land, this is a critical step most investors overlook.
Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just “lowest fees,” including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning
Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just "lowest fees," including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning
Why do so many outwardly successful people still feel deeply unfulfilled inside?If you're navigating a midlife transition and questioning your purpose, identity, or the real meaning behind all your achievements, this episode offers insight into why external success alone often leaves a void, and what you can do to fill it with lasting joy and meaning.Discover the core reason why chasing success can leave you feeling empty and how to shift toward internal fulfillment.Learn the Joy Molecule framework and how it helps realign your life around purpose, identity, and deeper human connection.Gain practical tools to cultivate awareness, release emotional patterns, and begin your own journey toward inner peace and significance.Listen now to explore a powerful conversation that could change the way you understand your life's direction and reconnect you to what truly matters.˚KEY POINTS AND TIMESTAMPS:01:47 - Introducing Larry Keslin and the joy molecule03:45 - Why successful people are unhappy06:55 - Identity, awareness, and the sky–clouds analogy08:01 - Giving of yourself and true connection11:09 - Owning emotions and conscious relationships17:42 - Awareness, triggers, and emotional responsibility22:56 - Africa, poverty, and redefining success26:56 - Joy beyond consumption and conscious living29:51 - Practical steps to increase awareness and peace˚VALUABLE RESOURCES:Larry's website: https://5-dots.com/˚Coaching with Agi: https://personaldevelopmentmasterypodcast.com/mentor˚
This week Brandon Min, Founder and CEO of Herd Security, joins Defender Fridays to discuss how human risk management needs to rebrand with empathy.Brandon is the co-founder and CEO of Herd Security, where they help security teams drive employee engagement in security, making a more resilient organization. Humans have been the #1 target of organizational cyber attacks; however, security teams, organizations, vendors, and leaders have vilified them. At Herd, they believe security should be led with empathy and care. Building trust amongst users that will drive their engagement in security. Building herd immunity from cyber attacks. Learn more at https://herdsecurity.io/Register for Live SessionsJoin us every Friday at 10:30am PT for live, interactive discussions with industry experts. Whether you're a seasoned professional or just curious about the field, these sessions offer an engaging dialogue between our guests, hosts, and you – our audience.Register here: https://limacharlie.io/defender-fridaysSubscribe to our YouTube channel and hit the notification bell to never miss a live session or catch up on past episodes!Sponsored by LimaCharlieThis episode is brought to you by LimaCharlie, a cloud-native SecOps platform where AI agents operate security infrastructure directly. Founded in 2018, LimaCharlie provides complete API coverage across detection, response, automation, and telemetry, with multi-tenant architecture designed for MSSPs and MDR providers managing thousands of unique client environments.Why LimaCharlie?Transparency: Complete visibility into every action and decision. No black boxes, no vendor lock-in.Scalability: Security operations that scale like infrastructure, not like procurement cycles. Move at cloud speed.Unopinionated Design: Integrate the tools you need, not just those contracts allow. Build security on your terms.Agentic SecOps Workspace (ASW): AI agents that operate alongside your team with observable, auditable actions through the same APIs human analysts use.Security Primitives: Composable building blocks that endure as tools come and go. Build once, evolve continuously.Try the Agentic SecOps Workspace free: https://limacharlie.ioLearn more: https://docs.limacharlie.ioFollow LimaCharlieSign up for free: https://limacharlie.ioLinkedIn: / limacharlieio X: https://x.com/limacharlieioCommunity Discourse: https://community.limacharlie.com/Host: Maxime Lamothe-Brassard - CEO / Co-founder at LimaCharlie
Everyone is talking about the way the Orioles have handled their rotation this winter, but what about the bullpen? Cordell Woodland has his concerns with the group of relievers that are currently on the roster.
Having the time set aside to do something means nothing if you don't honor the commitment in your calendar. Was this helpful? If so then you need to check out the 7 Fundamentals Of Self Improvement which features short summaries of the most popular and impactful episodes from the past 7 years.Takes only 5 minutes to read through them today but it'll help you avoid years of making things so much harder than they need to be. Plus, I bet you'll be surprised to learn what they are...
On Monday's Daily Clone with Jake Brend, Tamin Lipsey shares how experience with Team USA while in high school helped him become the player he is and T.J. Otzelberger explains what's so unique about Lipsey's game. Plus, Otzelberger goes in-depth on how his team isn't looking past TCU. Presented by Fareway Meat & Grocery in the Northwest Bank Studios.
Every night, join Father Joseph Matlak as he ends the day with prayer and reflection. In a few short minutes, and using the Douay-Rheims psalter for his reflections, Father Matlak guides you in prayer and shares a brief reflection and a thorough examination of conscience providing you with the encouragement necessary to go forward with peace and strength. ________________
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Discover how late-season deer scouting and shed hunting can transform your hunting success this year. With winter's unique terrain clues and strategic timing, you'll learn how to find more antlers—and understand deer movement like never before. Whether you're a seasoned hunter or new to the game, this episode offers actionable insights that will keep you sharp all year round. Deer behavior expert Dan Johnson joins us to break down the power of winter scouting. You'll discover why this dormant season is actually the best time to analyze terrain, track old sign, and pinpoint bedding areas—even with limited snow and changing weather conditions. From the importance of killing pressure for better shed discovery to using trail cameras and mineral supplements effectively, we reveal tactics that give you the edge during the off-season. We cover essential topics like: How to identify and interpret deer sign during winter months The real impact of pressure and weather on antler shedding timing Practical strategies for barnacle-breaking terrain analysis, including water sources and travel corridors When to go shed hunting for optimal results—plus, common rookie mistakes to avoid The benefits of late-season observation for better deer herd management and future hunts Why does this matter? Because the true advantage in deer hunting comes from understanding their habits during the off-season—long before the season starts. Overlooking winter scouting means missing out on crucial intel that can lead to bigger bucks and more successful hunts come fall. And with more states considering shed hunting regulations, knowing the best practices now will keep you compliant and ahead of the curve. Perfect for hunters wanting to deepen their knowledge or just looking for fresh tactics to boost their success next season, this episode will change how you approach the winter months. Tune in to learn how to turn the off-season into your secret weapon and start planning your next move today. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we'll be in 1 Corinthians 4:1-2 talking about the highest honor you might be overlooking…“A person should think of us in this way: as servants of Christ and managers of the mysteries of God. In this regard, it is required that managers be found faithful.” 1 Corinthians 4:1-2Ridgecrest exists to reach the lost, build the believer, and connect the people of God to the mission and purpose of God. The Heart Truth podcast is just one way we seek to accomplish our mission online and you can help us by leaving reviews on your podcast platform of choice or by sharing these devotions with someone you know.To let us know how we can pray for you or to find out more about Ridgecrest, take a minute to fill out our Connection Card linked below. https://my.rbcdothan.org/connectioncardIf you'd like to receive our daily devotionals in your inbox, sign up HERE free of charge: https://mailchi.mp/4bcc8628406b/daily-heart-truth-devotionsThe Journey Podcast:Substack: https://thejourneypodcast.substack.comApple Podcasts: https://podcasts.apple.com/us/podcast/the-journey/id1785079800 Spotify: https://open.spotify.com/show/0syXQWFX6IhTZjeJsHWxtM?si=c4c7397b153248f6Ridgecrest Sermons podcast:Apple Podcasts: https://podcasts.apple.com/us/podcast/ridgecrest-baptist-church-sermons/id1517442154Spotify: https://open.spotify.com/show/3Ir5YcahI8G2SiIjrycB8W?si=0bc532b4f72c4facFind us online Facebook: https://www.facebook.com/RidgecrestDothanInstagram: https://www.instagram.com/ridgecrestbaptist/profilecard/?igsh=MWRrZHZwdXprYzhwZw==YouTube: www.youtube.com/@rbcdothanTikTok: https://www.tiktok.com/@rbcdothan?_t=ZP-8wfPSkVSuYo&_r=1Our website https://www.rbcdothan.org • ⁃ WATCH LIVE Sunday and Wednesday: https://rbcdothan.online.church
Welcome to the CanadianSME Small Business Podcast, hosted by SK Uddin. Today we explore commercial insurance and how technology is transforming the way entrepreneurs access fast, reliable, and affordable protection for their businesses.Our guest is Cheryl Fearon, Vice President of Sales at Zensurance. With over twenty years of sales leadership experience at companies like Apple and Bell, Cheryl now supports a platform that has served more than five hundred thousand Canadian small businesses and delivers premium savings of up to thirty five percent.Key HighlightsMarket Trends: Cheryl breaks down the biggest insurance trends and the key coverage gaps SMBs commonly overlook. Emerging Risks: She highlights the top rising threats for 2026 and how businesses can proactively prepare. Tech and Affordability: Cheryl explains how digital tools and a fifty plus provider network enable savings up to thirty five percent. Customer Experience: She shares how genuine care shaped Zensurance's culture and how their online quoting and support work. Future Vision: Cheryl discusses Zensurance's growth trajectory and its mission to transform commercial insurance in Canada.Special Thanks to Our Partners:UPS: https://solutions.ups.com/ca-beunstoppable.html?WT.mc_id=BUSMEWAGoogle: https://www.google.ca/A1 Global College: https://a1globalcollege.ca/ADP Canada: https://www.adp.ca/en.aspxFor more expert insights, visit www.canadiansme.ca and subscribe to the CanadianSME Small Business Magazine. Stay innovative, stay informed, and thrive in the digital age!Disclaimer: The information shared in this podcast is for general informational purposes only and should not be considered as direct financial or business advice. Always consult with a qualified professional for advice specific to your situation.
Welcome back to the Boneyard Podcast, where 2 ECU Alumni, Jared Shafit and Artie Brower sit around, drink beer and talk about ECU sports. This week the boys are back doing their thing for Episode 269 of the Boneyard Podcast!*Use Promo Code: Boneyard20 for 20% off your first order at Rhoback.com*College Football Season officially overLooking at East Carolina's Depth ChartECU Women's Basketball is realNFL PlayoffsGambling CornerWalk The PlankCatch us on Youtube!We hope you enjoy this episode of the Boneyard Podcast! Make sure to follow us on Twitter, Instagram, and Youtube @BoneyardPodcast, and subscribe to the podcast wherever you listen to your favorite podcasts, and also please rate us and let us know what you think! Become a #FriendOfThePodcast by leaving us a 5 STAR Review! Want to hear your voice on the Boneyard Podcast?! Leave us a message!
This guide outlines essential troubleshooting steps for homeowners to take when their heating system fails to activate. To avoid unnecessary service costs, individuals should first verify that thermostat settings are correct and confirm the circuit breaker has not tripped. Additionally, maintaining a clean air filter is vital for preventing the system from overheating and shutting down automatically. While basic checks are encouraged, the source warns against repeatedly resetting breakers or attempting complex mechanical repairs. Ultimately, the text emphasizes that consistent professional maintenance is the most effective way to prevent sudden breakdowns and extend the life of expensive HVAC equipment. Overlooking these simple tasks can turn a minor issue into a costly emergency repair. Here is Derek's Video: • No Heat? Start Here | What Homeowners Shou... The article: https://www.simmonsonehour.com/blog/n...
Becky Sampson, founder of Only Subpoenas, a legal support business that helps divorce attorneys streamline their subpoena process so they can win more cases with less stress.Through her hands-on prep, compliance services, and flat-fee packages, Becky takes care of the paperwork attorneys hate - while coaching her clients through the power and strategy behind every subpoena.Now, Becky's journey from processing 21 subpoenas to launching a national business reveals how one overlooked niche can transform into a mission with impact.And while building a movement that empowers attorneys, stay-at-home moms, and people going through divorce, she's proving that legal work can be efficient, ethical, and empowering for everyone involved.Here's where to find more:www.OnlySubpoenas.com. www.BeckySampson.com, FB - www.facebook.com/beckysampson11 , Linkedin - www.linkedin.com/in/beckysampson , FREEBIE - for those going through divorce - www.OnlySubpoenas.com/free________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself
If you've ever thought “I know what to do… so why don't I do it?” This episode is for you.We're talking about why calorie counting isn't enough for sustainable fat loss, even when you know your portions, track your food, and understand what “healthy eating” looks like. If you struggle with emotional eating, stress snacking, all-or-nothing thinking, or falling off track despite your best intentions, this episode breaks down what's really going on.You'll learn why awareness alone doesn't change behavior—and how building the right kind of awareness can help you finally follow through with your fat loss goals.Perfect for anyone who feels stuck in the cycle of knowing what to do but not doing it and wants to follow through this year.Grab your FREE spot in my upcoming workshop Why You Know What To Do But Still Don't Do It: https://www.sweatsimpleco.com/why-you-know-what-to-do-workshopApply for 1:1 coaching: https://www.sweatsimpleco.com/onlinecoachingThe SweatSimple Podcast Show Notes: https://www.sweatsimpleco.com/post/why-you-still-dont-follow-through
#InterMiamiCF #Messi #InterMiami
CEO David Trainer sat down with Chuck Jaffe of Money Life to talk about our Danger Zone pick this week: Portfolio Managers Who Don't Know How to Use AI.
• Sponsor read for MyEternalVitality.com with Dr. Powers • Gut health testing to identify individual histamine triggers • Relief that shrimp is not a histamine trigger • "Healthy" foods like spinach and kale causing inflammation • Improving digestion, regularity, and reducing stomach discomfort • Food reactions differing by individual body chemistry • Hormone testing becoming more important with age • Declining testosterone levels in men • Men getting hormone testing through Dr. Powers • Benefits of hormone replacement therapy • Improved libido, energy, and mental clarity • Symptoms of imbalance: fatigue, brain fog, hot flashes, low libido • Hormones discussed: estrogen, progesterone, testosterone, cortisol • Free Dr. Powers consultation for Tom & Dan listeners • Dr. Powers as a fan of the show and BDM member • New year framed as a time to address health • Show intro from the Just Call Moe Studio • Welcome to the Friday Free Show of A Mediocre Time • First show of 2026 and confusion adjusting to the year • Show running 17 years since 2009 • Jokes about reaching the 20th anniversary • Commitment to continuing the show regardless of profit • Guest Savannah appearing on the first show of 2026 • Being more cautious about what's said on air • Forgetting how large the audience actually is • Anxiety about saying something regrettable • Joke about an old onion-skin fart story • Comparing influencer audiences to radio audiences • Discussion of online backlash and hate comments • Wanting reactions but rarely receiving criticism • Shoutout to video editor Melissa • Opening Christmas gifts from Melissa on air • Melissa's self-deprecating note and affectionate appreciation • Big Johnson Key West shirt gift • Jokes about wearing tiny or "baby" shirts • "Where's Bumfardo?" shirt explained • Bumfardo described as a legendary Key West grifter • Reference to a podcast episode about Bumfardo • Clarifying Bumfardo as a criminal firefighter • Gratitude and appreciation for Melissa • Living in Key West after California • Living in an Airstream on sponsor property • Romantic idea vs reality of Airstream living • Millionaires hosting guests in RVs or guest houses • Restored and comfortable Airstream • Living with a pet monitor lizard • Joking about the start of a "lizard journey" • Lizard eating pulled pork and seafood • Joke comparing lizard diet to Jeff Foxworthy • Lizard free-roaming inside the Airstream • Lizard unusually clean and well-behaved • Lizard now living at Gatorland • Using a doggie door and daily routine • Monitor lizard about six feet long • Question about reptile cleanliness myths • Hygiene concerns when handling reptiles • Lizard attacked at night in Key West • Iguanas or raccoons suspected • Bringing the lizard indoors for safety • Emergency super glue used to close a wound • Super glue working on reptile scales • Owning many exotic pets over the years • Large python kept in a one-bedroom apartment • Python named Benji • Hybrid reticulated/Burmese python • Python reaching 13–14 feet long • Bathing a python in a bathtub • Snake suddenly becoming aggressive • Snake striking when door opened • Trapping the snake in the bathroom • Child reacting to apex predators in the apartment • Sending the kid outside for safety • Question of whether pythons can seriously injure people • Preventing snake escape through a window • Subduing the snake with a quilt • Wrestling and restraining the python • Snake aggression being a one-time incident • Snakes being unpredictable • Gateway exotic pets like Pac-Man frogs • Still owning a frog • Childhood fascination with reptiles • Catching and keeping reptiles in South Carolina • Childhood "zoo" with animals in drawers • Joke about kids now having digital pets instead of real ones • Feeding large pythons big rats • Debate over live vs pre-killed feeding • Some snakes needing movement to eat • Parenting rule against exotic pets for kids • Requiring responsibility before allowing pets • Travel complications of pet ownership • Personal hamster care experience • Dad raising guinea pigs • Guinea pigs named after dictators and NASCAR drivers • Greg Biffle and Waltrip jokes • Comedy bit about guinea pig personalities • Story about Jim Colbert's Daryl Waltrip impression • Late-night drunk texts from Jim Colbert • Joke about inappropriate texts and photos • Clarifying a misspoken offensive term • Transition to Savannah's Jamaica trip • Comparison to a past Australia trip • Savannah described as highly traveled • Gatorland Global raising nearly $10,000 for hurricane relief • Shipping aid supplies to Jamaica • Bottlenecks at Jamaican ports • Long-term recovery continuing after news cycle moves on • Using funds in practical ways • Helping communities near Hope Zoo in Kingston • Providing water storage and bathroom supplies • Kids previously walking long distances for water • Purchasing a water truck • "Practical conservation" approach • Helping people so animals can be cared for • Zoo animals surviving the hurricane • Oxygen mask analogy • Dark humor about survival priorities • One-week stay in Jamaica • Challenges traveling post-hurricane • Relying on local relationships • Praise for Jamaican kindness • Airbnb hosts offering help and discounts • Importance of global relationships • Transition to friendship with Jackie Siegel • Clarifying which Jackie is being discussed • Jokes about famous Jackies • How Savannah met Jackie Siegel • Savannah's ease connecting with people • Standing out due to appearance and style • Personal recognizability as a brand • Jokes about recognizability • Fascination with ultra-wealthy lifestyles • Meeting Jackie through Real Radio • Seeing Jackie at Runway to Hope • Runway to Hope supporting kids with cancer • Walking the runway with sponsored children • Jackie filming at Gatorland • Friendship forming through time together • Difficulty wealthy people have making friends • Trust and motive issues around rich people • Jackie portrayed as kind and trusting • Idea of rich people seen as "lottery tickets" • Influence of who you spend time with • Being around Jackie compared to a soap opera • Observing Jackie's priorities and behavior • Jackie's Broadway show ending • Show based on Jackie's life • Proving critics wrong theme • Love story with David Siegel • Interest in Broadway and musicals • Wanting to take Maisie to NYC shows • Connecting Maisie's dance to Broadway interest • Kristen Chenoweth playing Jackie • Primer on Kristen Chenoweth • Wicked, Glinda, and Ariana Grande comparison • Stephen Schwartz writing the show • Jackie focused on crew losing jobs • Wanting to help displaced cast and crew • Listing backstage jobs affected • Empathy for workers over producers • Learning about Jackie's past domestic violence • Public perception not matching her full story • Misconceptions about billionaires • Assumption wealthy people should give endlessly • Overlooking effort behind wealth • Jackie having many children • Incorrect belief she married into money • Comparison to Melinda Gates • Emphasis on partnerships building wealth • David Siegel's death last year • Attending his celebration of life • Repeated cycles of success and bankruptcy • Successful people often failing many times • How David built his fortune • Origin of Westgate • David's early acting dreams • Buying land near Disney World • Purchasing a rundown hotel • Discovering the timeshare concept • Starting his own timeshare business • Joke about stealing ideas • Shoutout to women who support the show • Transition to music segment • Punk band Paradox featured • Song "I'm the Outside" • Call-in number and email plug • Sponsor read for BudDocs • Medical marijuana card process explained • Same-day appointments and telemedicine follow-ups • Dispensary deals and education • Cannabis for pain after hip replacement • Using marijuana to reduce alcohol • Return from break with Savannah • Plug for visiting Gatorland • New attractions constantly added • Arrival of Siamese crocodiles • Crocodiles kept separately • Transport from Korea to Gatorland • Animal relocation to avoid euthanasia • Cultural differences in cleanliness and order • "Tokyo depression" concept • Driving and horn etiquette differences • Safari travel mention • South Africa affordability note • Wealth spectrum discussion • Story about driving a Maserati to Walmart • Navigating wealthy social spaces authentically • Jackie's daughter Victoria's overdose • Victoria's Voice organization • Addiction treatment and Narcan advocacy • Turning tragedy into public good • Playing the clown at rich dinners • Observing human behavior like animal behavior • Studying power, money, and authority • Press box story with Phil Rawlins • Meeting Cedric the Entertainer and George Lopez • Importance of introductions and social proof • Savannah blending into elite spaces • Declaring 2026 a takeover year • Goal to make Gatorland the top park globally • Growth plans for conservation, YouTube, and TV • Using affirmations despite mocking them • Reading motivational books • Social media burnout and algorithm frustration • Thumbnails mattering more than content • AI-generated animal videos misleading audiences • Desire for human-made content spaces • Posting more freely without chasing algorithms • Encouraging visits to Gatorland • Promoting BDM Appreciation Week • Wrapping the show with gratitude ### Social [https://tomanddan.com](https://tomanddan.com) [https://twitter.com/tomanddanlive](https://twitter.com/tomanddanlive) [https://facebook.com/amediocretime](https://facebook.com/amediocretime) [https://instagram.com/tomanddanlive](https://instagram.com/tomanddanlive) Listen AMT Apple: [https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682](https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682) AMT Google: 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The crew reacts to the Celtics loss to the Nuggets before diving into the Patriots vs Chargers matchup. Then we begin the leads as Scheim continues to spout Drake Maye propaganda and Curtis is fed up with the Kansas City Chiefs.
In this milestone 160th episode of the Fiercely Fueled Nutrition Podcast, Coach Pia joins the the experts at Reactive Training Systems to explore how optimizing training environments can significantly impact strength training outcomes. They discuss working with clients of various age groups and experience levels, offering insights on incorporating tiny needle movers for daily improvements. The conversation also covers the importance of environmental control in facilitating better decision-making related to training, nutrition, and overall lifestyle. Listen in to learn how athletes can create supportive ecosystems and behavioral strategies that drive performance. FREE COURSE! Collegiate Powerlifting Toolkit https://pages.reactivetrainingsystems.com/collegiatecoachingtoolkit Links and Resources: Get our free pre & post-training meals guide https://guide.fiercelyfueled.com/podcast Follow Fiercely Fueled Nutrition: Instagram: @fiercelyfuelednutrition https://www.instagram.com/fiercelyfuelednutrition/ Facebook: https://www.facebook.com/fiercelyfueled YouTube: https://www.youtube.com/channel/UC7sAH26zWzvrI-73I1J3icA
Andrew, Ben, and Tom discuss what surprised them in 2025 and what many people aren't thinking about for 2026. Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure
Most leaders double down on strategy when pressure hits, but what if the real competitive edge lies in creativity? In this episode of The Enlightened Executive, I speak with Natalie Nixon, creativity strategist and author of Move, Think, Rest, about why creativity, not control, is the next frontier in leadership. Natalie shares her human-centered framework for redesigning work in the face of burnout, complexity, and hybrid teams. You'll learn: Why creativity is a teachable, practical skill (not just a personality trait) How the Move / Think / Rest framework can rewire the way you lead What it takes to "unlearn" outdated leadership reflexes A powerful question to reimagine how you show up under pressure If you're ready to stop reacting and start imagining, this conversation is your next step forward.
We tend to think of anxiety as something obvious—racing thoughts, panic attacks, sleepless nights. But what if it's showing up in ways you've completely normalized? In this episode, I'll walk you through some of the most common but overlooked signs of anxiety that many people mistake for personality traits, habits, or even productivity. You'll hear real-life stories, reflections, and gentle insights to help you understand how anxiety might be quietly shaping your choices—and how to meet it with awareness and compassion. If you've ever felt constantly tired, on edge, or like you can't stop moving… this episode is for you.
TikTok may be driving a hot new wave of podcast discovery, and the statistics are tough to ignore. If short clips can send a song to the top of Spotify, imagine what they could do for a podcast when creators treat TikTok as a real discovery engine instead of a passive scroll. We also break down Libsyn's new pricing and the growing move toward solo shows. Are folks ditching their co-hosts? Finally, we look at what a sudden surge in visibility really means for indie podcasters and why viral spikes rarely turn into loyal listeners. Sometimes the jump is exciting, but often it's just a flash in the pan.Episode Highlights:[02:30] Podcast Evaluation Series Announcement [05:35] Listener Mail and Feedback [08:33] Empowered Podcasting Conference Announcements [13:59] Podcasting News and Statistics [15:40] Upcoming Events and Meetups [19:31] Spotify's Top Shared Episodes of 2025 [27:05] Analyzing Podcast Popularity Trends [27:50] Introducing the Weekly Business Bit [30:41] Golden Globes Recognizes Podcasts [33:18] iHeart Media's Guaranteed Human Label [34:54] Rise of Solo Podcasts [37:30] Omni Studio Supports Video Podcasting [50:31] TikTok as a Podcast Discovery Platform Links & Resources: Join The Empowered Podcasting Facebook Group:www.facebook.com/groups/empoweredpodcastingEmpowered Podcasting Conference: www.eventbrite.com/e/empowered-podcasting-conference-tickets-1976757134803Libsyn Office Hours: https://podnews.net/event/libsyn-office-hoursPodcast Expo Coupon Code: MARC for 10% off: https://podnews.net/event/podfest-expo-our-12th-annual-eventMeetup & Matchup Use code PMC for free entry: https://podnews.net/event/meetup-matchup-with-podcasters-speakers-and-authors-19 iHeart Declares “Guaranteed Human,” Voices: https://bit.ly/4pogPnMSolo Shows Are Taking Over, and Co-Hosts Are Becoming Endangered:https://bit.ly/4aFbdATWhat Happens When An Indie Podcast Skirts Virality: https://bit.ly/4aIZZeJPodnews: www.Podnews.netRalph Estep Is Seeking A Co-Host: https://www.facebook.com/share/p/1B8oYLvj7H/?mibextid=wwXIfrTo Have Your Podcast Considered For Evaluation, Please Complete This Form: https://docs.google.com/forms/d/e/1FAIpQLSc8-Xv6O6lrNPcPJwj3N0Z5Osdl-5kHGz_PiAU45UPreview of our Upcoming Evaluation Carefree Highway Revisited: https://www.podbean.com/ea/pb-j6vtj-1961b14Remember to rate, follow, share, and review our podcast. Your support helps us grow and bring valuable content to the podcasting community.Join us LIVE every weekday morning at 7 am ET (US) on Clubhouse: https://www.clubhouse.com/house/empowered-podcasting-e6nlrk0wOr Join us on Chatter: https://preview.chattersocial.io/group/98a69881-f328-4eae-bf3c-9b0bb741481dLive on YouTube: https://youtube.com/@marcronickBrought to you by iRonickMedia.com Please note that some links may be affiliate links, which support the hosts of the PMC. Thank you!--- Send in your mailbag question at: https://www.podpage.com/pmc/contact/ or marc@ironickmedia.comWant to be a guest on The Podcasting Morning Chat? Send me a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1729879899384520035bad21b
Migrant and refugee women in Ireland face significant and overlapping barriers when trying to access employment — from qualification recognition issues and childcare responsibilities to language barriers, rural isolation, unconscious bias, and confusion around immigration permissions. At a time when employers are struggling to find skilled talent, these barriers represent not just an equality issue, but a missed opportunity for Irish organisations. In this episode, Dave and Mary are joined by Fiona Hurley, CEO of NASC, to discuss the findings of NASC's Breaking Barriers report, which captures the lived experiences of migrant women navigating the Irish labour market. Together, they explore why highly skilled migrant women — including those with STEM, healthcare and professional qualifications — are being filtered out of recruitment processes, how employer misunderstanding of immigration stamps limits opportunity, and what HR leaders can do practically to remove bias and widen their talent pool. Guest Fiona Hurley – CEO, NASC (Migrant & Refugee Rights Charity) Topics include: Key findings from Breaking Barriers: Challenges in Employment Access for Migrant Women • Childcare, transport and structural barriers that disproportionately impact migrant women • Accent bias, language assumptions and discrimination in recruitment • Why overseas qualifications and experience are routinely undervalued • The “invisible talent pool” of highly skilled migrant women in Ireland • Immigration stamps explained: Stamp 1G, Stamp 1, Stamp 4 and common employer misconceptions • Why confusion around work permissions leads to exclusion — even when candidates have full work rights • How screening tools, interview panels and unconscious bias filter candidates out early • Internships, mentoring and work shadowing as practical entry points • Case studies of employers getting it right through partnership and flexibility • What HR professionals can do now to design fairer, more inclusive recruitment systems Useful Links & Resources Breaking Barriers: Challenges in Employment Access for Migrant Women – NASC Report • NASC contact: info@nascireland.org Get in touch If you're not already following us on LinkedIn, please do. If you have suggestions for future episodes, or if you'd like to join us as a guest, reach out to Dave Corkery at dcorkery@insighthr.ie. For confidential HR support, contact info@insighthr.ie About The HR Room Podcast The HR Room Podcast is brought to you by Insight HR — where we speak with HR leaders, experts and practitioners across Ireland about the issues shaping the world of work today. If you're enjoying the podcast, please share it with colleagues or friends and leave us a review. We love your feedback and we're always here to support you with your HR challenges.
In this episode, we dive into a conversation every parent, teacher, and clinician needs to hear: how screens, posture, mouth breathing, and airway development are all deeply connected. While most discussions focus on blue light and screen limits, we explore how modern tech habits are quietly reshaping children's facial growth and long-term sleep health. We break down how forward head posture and constant downward gazing narrow the airway, encourage mouth breathing, and interfere with deep, restorative sleep. We also explain how poor tongue posture and underdeveloped palates contribute to sleep-disordered breathing and why today's tech neck can become tomorrow's airway compromise. We also unpack the powerful overlap between sleep deprivation and ADHD-like symptoms in children. Many behaviors labeled as attention or behavioral issues may actually be signs of fragmented sleep and restricted breathing. Most importantly, we share simple, practical steps families can start using immediately to protect their child's airway, sleep, and development. What you will learn: How screen posture directly impacts airway space and breathing Why mouth breathing changes facial growth and narrows the palate The role of tongue posture in healthy airway development How sleep deprivation can mimic ADHD symptoms The three main ways screens disrupt sleep quality Early warning signs of airway and sleep issues in children Practical steps parents can start using right away About Meghna Dassani Dr. Meghna Dassani is passionate about promoting healthy sleep through dental practices. In following the ADA's 2017 guideline on sleep apnea screening and treatment, she has helped many children and adults improve their sleep, their breathing, and their lives. Her books and seminars help parents and practitioners understand the essential roles of the tongue, palate, and jaw in promoting healthy sleep. Connect with Dr. Meghna Dassani Website: https://www.meghnadassani.com Facebook: https://www.facebook.com/healthysleeprevolution Instagram: https://www.instagram.com/meghna_dassani/ Youtube: https://www.youtube.com/@meghna-dassani
Limited Level-Ups Patreon: https://www.patreon.com/limitedlevelups Limited Level-Ups Discord: bit.ly/jointhedischord Alex's Stream: https://www.twitch.tv/chord_o_calls Limited Level-Ups Podcast:https://limitedlevelups.libsyn.com/ Alex's Coaching Email: chordocoach@gmail.com
Most people overlook emotions that don't feel "logical," but those are often the ones quietly affecting your health, energy, and overall wellbeing. In this eye-opening live session, Brandy works with a volunteer whose unexplored guilt and long-held emotional responsibility instantly change her physical pain—first rising, then dropping in real time—as her subconscious patterns surface. You'll learn why certain emotions can influence the body even when your logical mind disagrees… how hidden guilt or grief can show up as physical symptoms… and how to begin shifting these patterns so you can create more emotional balance, clarity, and healing in your life. This episode is an important listen for anyone interested in mind-body healing, emotional triggers, stress-related symptoms, or understanding the deeper emotional patterns that impact health. In This Episode, Brandy Discusses: The illogical emotions almost everyone overlooks — and how they can impact your health Why your logical mind can't always see what your subconscious is doing How guilt, responsibility, or grief can quietly show up as physical symptoms Why linking hardship, problems, or crisis with "gift" or "blessing" can backfire — including how pride in hardship or believing self-sacrifice makes you "good" can create hidden emotional conflicts A real example of pain changing instantly as deeper emotions come to the surface How to start breaking these counterintuitive patterns to support healing and empowerment. Do you want to see proof of the power of the mind in a medical journal? Here's a demonstration of Brandy Gillmore working with volunteers under medical equipment, as featured in a medical journal. Free Resources and Frequently Asked Questions Q: How can I heal myself from chronic pain or illness?
SummaryIn this episode, Chase and Chris talk all about that square thing in your bathroom — the scale! They explain why the number you see every day doesn't actually tell you much about your progress. They talk about how your weight can go up or down for a lot of reasons that have nothing to do with fat loss. More importantly, they break down the four types of progress that really matter: outcome, behavior, internal, and environmental.They also share real stories from clients, funny moments, and personal experiences to help you stop obsessing over the scale. You'll leave this episode with a better mindset, more confidence, and real tools to track your wins in a healthier way.Chapters(00:00) The Square Thing in Your Bathroom(01:08) The Scale Can't Tell the Whole Story(02:23) Why So Many Give Up Too Soon(04:11) Diet Culture and Our Obsession with Weight(05:50) Why Outcome Progress Isn't Everything(06:31) The Importance of Knowing Your "Why"(07:54) What Does That Number Really Mean?(10:11) Behavioral Progress and Building Consistency(12:57) Why We Need to Focus on Lifestyle Habits(14:02) Focus on What You Can Control(15:25) Internal Progress: Wins the Scale Can't Measure(17:13) Getting to the Root of Emotional Eating(19:31) Handling Stress Eating and Creating Awareness(21:42) Environmental Progress and Setting Yourself Up(24:19) Why Motivation Fades Without Supportive Environments(26:45) Real-Life Triggers and Cleaning Up Your Space(28:31) Why the Scale Is a Dopamine Hit(30:57) Real Client Story: Four Weeks of Zero Movement(32:48) Zooming Out and Looking at Trends(34:31) The 60-Day No Scale Challenge(36:46) If the Scale Never Changed Again, Then What?(39:20) The Number on the Scale Isn't Your Value(41:24) What to Do If the Scale Didn't ExistSUBMIT YOUR QUESTIONS to be answered on the show: https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective
On this special segment of The Full Ratchet, the following Investors are featured: Mike Maples Jr. of Floodgate Nnamdi Okike of 645 Ventures Hemant Mohapatra of Lightspeed India Each investor highlights a situation where they decided not to invest, why they passed, and how it played out. The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. We're proud to partner with Ramp, the modern finance automation platform. Book a demo and get $150—no strings attached. Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.
After a dinner conversation and a surprising moment of self-discovery, I realized I'd been carrying quiet baggage for years: believing my behind-the-scenes strengths weren't worthy of recognition. In this episode, I unpack how one friend's insight shifted everything for me. I open up about embracing my natural talents, letting go of the need to do everything alone, and recognizing the wow inside the how. This episode will challenge you to celebrate your own strengths and see the value you bring in a whole new way.Visit our YouTube channel and websites, too. * unityconsultingllc.com * kathierotz.com * www.youtube.com/@unityconsultingllc I look forward to connecting with you as we challenge your habits so that you are more efficient and fully empowered! https://uppbeat.io/t/infraction/tokyo-driftLicense code: XLZKHAGCHNDDIUAGhttps://uppbeat.io/t/andrey-rossi/seize-the-dayLicense code: PRHNEXFSFF97ES9M
Alex Alonso, Chief Knowledge Officer for the Society for Human Resource Management, joins Megan Lynch with a look at older employees and their potential value to companies.
Launch Your Box Podcast with Sarah Williams | Start, Launch, and Grow Your Subscription Box
If you want to make more sales this week, but don't want to chase new customers, run ads, or overhaul your whole marketing strategy, this episode of The Launch Your Box Podcast is for you. One of the biggest mistakes subscription box owners make when looking to grow their business? Overlooking the people who already said yes. Your current subscribers are your warmest audience. They love your brand, they open your boxes, and they already trust what you deliver every month. Inside this Friday Fuel episode, I'm sharing three simple, practical ways to generate extra revenue using the subscribers you already have. No launch, no ad budget, and no extra overhead required. 1. Add a Simple Upsell Before Renewal A few days before renewal, give your subscribers a chance to add something special to their next box. Keep it easy, keep it relevant, and make sure it fits inside the box they're already getting. Some ideas: A coordinating item A seasonal exclusive A “mystery upgrade” A subscriber-only item pulled from your shop Promote it with a quick email: “Want to add this to your next box?” “Just for subscribers. Add this before your box ships!” Why does it work? They're already expecting a charge. This simply gives them a fun, low-barrier way to get more of what they love while increasing your average revenue per subscriber. 2. Give Subscribers Access to Past Boxes If you've been in business for a while, you likely have leftover past boxes. They're valuable… but only if people know they exist. Turn them into a subscriber-only vault. What to include: Boxes from recent months or seasons Limited leftovers from special editions Any extras you never publicly sold How to promote it: “Missed this one? Here's your chance.” “Subscriber exclusive: Shop past boxes before they're gone.” Why does it work? Subscribers know the value of your boxes. If they missed one - or want to gift one - this becomes an easy yes for them and fast revenue for you. 3. Offer a Subscriber-Only Promo or Perk Subscribers love feeling like insiders. When you give them access no one else gets, they respond. Offer them: Early access to a new collection or seasonal drop A subscriber-only limited-quantity item A special discount code for the week (ex: 15% off shopwide) Say things like: “You get first dibs just for being a subscriber.” “This week only: shop exclusive and save!” Why does it work? Exclusive perks drive loyalty, encourage extra browsing, and often lead to bonus sales from people who are already your best buyers. You don't need a full blown launch to make more money. And you don't need new customers. You just need to give your current subscribers more opportunities to say yes. Join me for this Friday Fuel Episode and walk away with practical ideas you can use to make more sales this week - no launch or new audience required. Join me in all the places: Facebook Instagram Launch Your Box with Sarah Website Are you ready for Launch Your Box? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. Join the waitlist today!
start HBCU Huddle Game of the Week: Albany State v. Benedict00:06:00 Picks00:18:00 Quinn Gray interview00:35:00 Top coaches in black college football00:45:00 Box to Row media poll00:47:00 Culture Maker: Sounds of Dyn-O-Mite00:52:00 Pick 6: Favorite Holiday Traditions
start HBCU Huddle Game of the Week: Albany State v. Benedict00:06:00 Picks00:18:00 Quinn Gray interview00:35:00 Top coaches in black college football00:45:00 Box to Row media poll00:47:00 Culture Maker: Sounds of Dyn-O-Mite00:52:00 Pick 6: Favorite Holiday Traditions
COSTLY MISTAKES THE RISK OF OVERLOOKING INFLATION FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA About This Episode Inflation may not seem dramatic day-to-day, but over time it quietly erodes your purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why ignoring inflation is one of the most common and costly mistakes retirees make. Full Description Inflation has always been part of the economic landscape, but recent years have reminded us how quickly costs can rise. Even modest annual increases add up over decades, changing what retirees can afford and forcing tough decisions about lifestyle, travel, and healthcare. Planning without accounting for inflation often leads to budgets that work on paper at the start of retirement but fail later on. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge break down why inflation is called the “invisible thief.” They explain how it reduces the value of savings, increases the cost of essential services, and undermines long-term financial security. Retirees who ignore inflation may find that what felt safe in their 60s becomes inadequate in their 80s. Listeners will learn practical ways to protect against inflation. Strategies include investing in growth assets, diversifying income streams, and reviewing plans regularly to reflect changing conditions. Sandy and Tyler also share how BWFA helps clients stress-test portfolios under different inflation scenarios, offering peace of mind that the plan can adapt to both gradual increases and unexpected spikes. The key takeaway is that retirement planning must look forward, not just focus on today's expenses. By anticipating rising costs and adjusting proactively, you can preserve purchasing power, maintain your lifestyle, and protect the legacy you hope to leave for loved ones. For more guidance, visit BWFA's Financial Planning Services.
COSTLY MISTAKES THE RISK OF OVERLOOKING INFLATION FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS, Financial Planner, BWFA About This Episode Inflation may not seem dramatic day-to-day, but over time it quietly erodes your purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why ignoring inflation is one of the most common and costly mistakes retirees make. Full Description Inflation has always been part of the economic landscape, but recent years have reminded us how quickly costs can rise. Even modest annual increases add up over decades, changing what retirees can afford and forcing tough decisions about lifestyle, travel, and healthcare. Planning without accounting for inflation often leads to budgets that work on paper at the start of retirement but fail later on. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge break down why inflation is called the “invisible thief.” They explain how it reduces the value of savings, increases the cost of essential services, and undermines long-term financial security. Retirees who ignore inflation may find that what felt safe in their 60s becomes inadequate in their 80s. Listeners will learn practical ways to protect against inflation. Strategies include investing in growth assets, diversifying income streams, and reviewing plans regularly to reflect changing conditions. Sandy and Tyler also share how BWFA helps clients stress-test portfolios under different inflation scenarios, offering peace of mind that the plan can adapt to both gradual increases and unexpected spikes. The key takeaway is that retirement planning must look forward, not just focus on today's expenses. By anticipating rising costs and adjusting proactively, you can preserve purchasing power, maintain your lifestyle, and protect the legacy you hope to leave for loved ones. For more guidance, visit BWFA's Financial Planning Services.
November is such a wonderful month, not just because of the cozy weather or fall vibes (although those are great), but because it's a season where we naturally slow down and reflect on what we're grateful for. But when it comes to money, I've noticed something troubling: so many of us focus exclusively on what we don't have: the bigger salary, the dream home, the overflowing savings account…and we completely overlook the financial blessings that are already right in front of us. This scarcity mindset keeps us stuck in a cycle of never feeling like we have enough, even when we're making progress. We dismiss our income because it's not six figures yet. We shame ourselves for having debt instead of acknowledging that credit gave us access when we needed it. We ignore our savings because the balance feels too small to celebrate. In today's episode, we're shifting that perspective completely. I want to help you recognize five financial blessings you may be overlooking, so you can start seeing your current financial situation in a new, empowering light. Because here's the thing research proves time and again: when you start practicing gratitude for what you already have, you open the door for more opportunities, more growth, and yes... more money. Abundance starts with appreciation. Here's What You'll Learn in This Episode: Why gratitude mindset attracts more financial abundance and opportunities How to reframe your current income as a blessing worth celebrating The hidden blessing of having access to credit and debt repayment ability Why any amount of savings deserves recognition and appreciation Celebrating financial possibilities you haven't tapped into yet Shifting from scarcity to abundance thinking with money Financial gratitude isn't just about feeling good, it's a proven wealth-building practice. When you acknowledge your current blessings, you shift from scarcity to abundance thinking, which opens you up to recognize and seize more opportunities for financial growth. Here's a Glance at This Episode: [01:53] Income Appreciation: Recognizing any income stream as a financial blessing worth acknowledging. [04:22] Currently paying down debt? There was a point in time where you needed access to that credit, thankfully you had it. [07:15] Celebrating Savings Progress: Honoring your commitment to future you, regardless of balance size [10:33] My favorite overlooked financial blessing is about gratitude for the possibilities you haven't even tapped into yet. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube! Resources mentioned in this episode: Listen to CGS Podcast #15 – My Debt Free Story and Key Takeaways Request a complimentary call with Raya to discuss money coaching Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!
Welcome to Friday Coaching Clinic Episodes. These are LIVE coaching session snippets where you have the opportunity to learn as both client and coach. I encourage you to think about how you might coach through this topic as a coach or how this situation may support you as a client. A reminder about these episodes: This snippet is just one way of coaching through this topic. Each coach has their own unique voice, personality and confidence to best support their clients and I invite you to find yours. This week: The Client Goldmine You're Overlooking (Warm Lead Strategy)
Do you ever wonder if your teen might be vaping—but can't tell if you're just being paranoid? With vaping devices disguised as everyday objects and flavored cartridges designed to appeal to teens, it's getting harder for parents to spot the signs. This episode helps you identify what's really going on when your teen's behavior starts to shift, so you can step in before things escalate.Learn the most common behavioral, physical, and environmental signs that signal your teen might be vaping.Understand the difference between normal teen changes and red flags that point to substance use.Discover how to observe patterns calmly and prepare for a supportive, informed conversation with your teen. Hit play to learn the key warning signs that can help you confidently recognize if your teen may be vaping—before it becomes a bigger issue.⭐Got screen time problems at home, get the Tech Reset Agreement here
Our commitment to practicing self love begins with healthy relationships with family, friends, coworkers, acquaintances, community members, and romantic partners. Overlooking the red flags people are showing us can lead to psychological turmoil, frustration, stress, and even death. Treaty 7/Calgary Cultural Humility 2026Virtual Cultural Humility February 2026Support our work by donating here: Indigenous Vision this Native American Heritage Month. Donate: https://www.indigenousvision.org/Subscribe to our Youtube channel!#MMIWarriors Self Defense information.Learn more about Indigenous Vision.Follow us on Facebook and Instagram.The IVPodcast is hosted by Indigenous Vision Executive Director, Souta Calling Last (Blackfoot Nation) and is produced by co-host, Melissa Spence (Anishinaabe Nation)
Ohio State vs Penn State Preview and Insights from Ryan Day & Buckeye CaptainsIn this episode of the Buckeye Weekly Podcast, hosts Tony Gerdeman and Tom Orr provide a detailed breakdown of the upcoming Ohio State vs. Penn State game. They share insights from recent interviews with Ohio State head coach Ryan Day and Buckeye captains Caleb Downs, Brandon Inniss, Austin Siereveld, and Sonny Styles. The hosts discuss the recent performance of the Buckeyes, the challenges posed by Penn State, and how key players are preparing for the game. They also touch on the state of Ohio State's running backs and offensive strategies, sharing anecdotes and analysis from the interviews. Tune in for an in-depth look at what to expect in this crucial matchup.00:00 Introduction and Banter00:31 Ohio State Captains and Penn State Week00:52 Penn State's Close Games and Potential02:54 Ohio State vs. Penn State: Key Players and Strategies06:36 The Importance of the Ohio State Game for Penn State17:50 Ohio State's Running Game and Freshman Impact21:57 Closing Remarks and Call to Action
Tap here to send us a message!The church is called to be the representation of God's love, reaching for every soul and refusing to let anyone feel unseen or unwanted. When each believer steps into their calling to welcome, care, and connect, the body of Christ becomes a place where lives are transformed. This mission belongs to all of us, and when we embrace it, every person who walks through our doors can experience the life–changing love of Jesus.10/23/2025 - Thursday NightScriptures:Proverbs 18:24
(00:00) Zolak & Bertrand start the hour highlighting the importance of not looking past the Browns and handling business at home next week against Cleveland. (5:54) The crew gets into Read and React. (18:48) Mike Vrabel gets the win in his first game back in his former job. We discuss how important a win this was for the Patriots Head Coach. (29:06) Zo and Beetle question if Sunday's game was a microcosm of where both the Patriots and the Titans are headed as franchises respectively. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Jon & Cody overlook Arkansas and want to discuss the Alabama/Tennessee spread
Our cognitive biases and ego can muddy the waters of our minds and block the path to clear communication. Today's episode provides strategies on how to be both a more effective thinker and communicator. Topics: Communication problems in relationships, business and writing Cognitive blockers to clarity How to identify and maintain a grip on the most important thing What bundling and unbundling can apply to problem-solving and communication Freebies Episode prompts - Clarity Problem Solving Worksheet Influence the Show Meet me - Free call Feedback - Request and Ideas Form Growth Mindset pod Sam Webster explores the psychology of happiness, satisfaction, purpose, and growth through the lens of self-improvement. Watch - YouTube (Growth Mindset) Mail - GrowthMindsetPodcast(at)gmail.com Insta - SamJam.zen Newsletter - Explosive Thinking Chapters 00:00 The Curse of Overlooking the Obvious 03:13 Romantic Communication 05:38 The Goal of Simple, Clear Communication 11:42 Concept of Bundling and Unbundling Things 15:21 Applying Bundling and Unbundling to Problem-Solving 16:45 Using Bundling and Unbundling for Clear Communication 19:40 Making the Obvious Obvious 20:34 An Invitation to Chat 21:46 Send Off Learn more about your ad choices. Visit podcastchoices.com/adchoices
Are Vols fans overlooking the Bulldogs? Week 5 of CFB is LOADED The Top 5 at 5:00
Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Co-Hosts: Ben Criddle (@criddlebenjamin)Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676