Podcasts about PCP

Dan & Manny are joined by friend of the show, artist & pop culture enthusiast Andrew Breen to put the 1989 fantasy comedy horror film Little Monsters to the ultimate test—THE NOSTALGIA TEST! “Little Monsters is one of the most repellent, distasteful, truly creepy movies I've seen in a long time, a movie so unpleasant I can't really figure out why anybody wanted to make it, and I don't know why anybody would wanna see it.” -Roger Ebert It's officially Spooky Season and what better way to celebrate than to put one of the weirdest and creepiest movies ever made to the ultimate test. Little Monsters makes the plot of every David Lynch film look totally normal. This movie was suggested by the guest, Andrew Breen, who's an amazing artist and a pop culture nerd like Dan & Manny. Little Monsters looks like a club Bill Hader's SNL character Stefon would be partying at until everyone turns into a pile of clothes. This movie has everything, Fred Savage, Daniel Stern on the verge of murdering his whole family, the woman who owned The Cleveland Indians in Major League, and a monster named Snick, who's a cigarette cross from between the girl who turned into a blueberry before she died in Willy Wonka and a broke down Meatloaf. Not to mention a PCP riddled Howie Mandal as Maurice the monster, who is an eleven-year-old/200-year-old blue lunatic getting children grounded, yelled at, and probably hit (hey, it's the 80s). So set your monster catching traps, make your peanut butter and onion sandwiches, make sure to check the apple juice before you drink it, and come hangout as we see if Little Monsters passes The Nostalgia Test. Email us (thenostalgiatest@gmail.com) your thoughts, opinions, and topics for our next Nostalgia Test! Suggest A Test & Be Our Guest! We're always looking for a fun new topic for The Nostalgia Test. Hit the link above, tell us what you'd like to see tested, and be our guest for that episode! Andrew Breen is a Long Island local artist, his vibrant technicolor-drenched character illustrations immediately transport you back to yournostalgic latch-key kid Saturdays. From Horror icons to cult classics and deep cut 90s animated shows there's something for everyone to love. Check out his art & Follow: @Rocktapusjones_art             Approximate Rundown 00:00 Introduction and Guest Introduction 00:39 Sponsor Shoutout and Guest's Art Background 01:53 Art Style and Inspirations 03:05 Favorite Art Pieces and Meet the Artist Night 03:36 Artistic Journey and Personal Insights 10:34 Transition to Movie Discussion 13:15 Little Monsters Movie Overview 15:33 Movie Analysis and Personal Reactions 19:11 Character and Plot Deep Dive 36:34 Maurice's Performance and Movie Trivia 48:03 Noise and Chaos in the Movie 48:28 Parental Reactions and Monster Logic 49:54 Brian's Actions and Parental Absence 52:12 Monster World Rules and Anarchy 55:38 Design and Production Insights 59:15 The Final Battle and Plot Holes 01:07:26 Maurice's Character and Ending 01:19:01 Nostalgia Test and Final Thoughts   Book The Nostalgia Test Podcast Bring The Nostalgia Test Podcast's high energy fun and comedy on your podcast, to host your themed parties & special events!  The Nostalgia Test Podcast will create an unforgettable Nostalgic experience for any occasion because we are the party! We bring it 100% of the time! Email us at thenostalgiatest@gmail.com or fill out the form at this link. LET'S GET NOSTALGIC!     Keep up with all things The Nostalgia Test Podcast on Instagram | Substack | Discord | TikTok | Bluesky | YouTube | Facebook   The intro and outro music ('Neon Attack 80s') is by Emanmusic. The Lithology Brewing ad music ("Red, White, Black, & Blue") is by PEG and the Rejected

Operação Míscaros: o plano montado em segredo por um comandante da Força Aérea para desviar aviões e reagir ao 25 de novembro, levando ao recuo de Álvaro Cunhal. A descoordenação com os comandos de Jaime Neves no ataque à Polícia Militar. E a desilusão com o ex-ministro do Trabalho que o PCP enviou para Cuba e Angola. Parte II da entrevista ao General Vaz Afonso: “O PCP esteve muito próximo de sair vitorioso, mas nunca mereceu as palavras de Melo Antunes. Nunca foi democrático.”See omnystudio.com/listener for privacy information.

Vasco Lourenço pede união à esquerda em torno de Seguro e critica candidatura de João Ferreira em Lisboa. É justo ónus estar no PCP e no BE? A flotilha serve só carreiras? E os caças de Nuno MeloSee omnystudio.com/listener for privacy information.

O Parlamento aprovou as alterações à Lei de Estrangeiros, com os votos da direita. PS, Livre, PCP, BE e PAN votaram contra. O editor de Política do Observador, Rui Pedro Antunes, é o convidado.See omnystudio.com/listener for privacy information.

O Parlamento aprovou as alterações à Lei de Estrangeiros, com os votos da direita. PS, Livre, PCP, BE e PAN votaram contra. O editor de Política do Observador, Rui Pedro Antunes, é o convidado.See omnystudio.com/listener for privacy information.

O Parlamento aprovou as alterações à Lei de Estrangeiros, com os votos da direita. PS, Livre, PCP, BE e PAN votaram contra. O editor de Política do Observador, Rui Pedro Antunes, é o convidado.See omnystudio.com/listener for privacy information.

O Parlamento aprovou as alterações à Lei de Estrangeiros, com os votos da direita. PS, Livre, PCP, BE e PAN votaram contra. O editor de Política do Observador, Rui Pedro Antunes, é o convidado.See omnystudio.com/listener for privacy information.

O Parlamento aprovou as alterações à Lei de Estrangeiros, com os votos da direita. PS, Livre, PCP, BE e PAN votaram contra. O editor de Política do Observador, Rui Pedro Antunes, é o convidado.See omnystudio.com/listener for privacy information.

O valor “moderado” das rendas muito superior à média. José Luís Carneiro a tentar consensos com um Governo que não valoriza o diálogo. E PS e PCP, os partidos que mais têm a perder nestas eleições.See omnystudio.com/listener for privacy information.

On the latest episode of the podcast, Doug wonders if Angel Dust and PCP just don't exist anymore or if they just have new names, Jamie refers to the hero as 'Seed Star' for reasons that she feels are obvious, and we both realize that neither of us would last more than a day or two in the future hellish world that this movie posits (Doug refuses to live in a sewer and Jamie would attempt to bargain with the Terminators). Don't waste perfectly good ice cream playing pranks on a waitress, appreciate things like trees and grass while they're still here, and join us as we constantly get distracted by the little things while we discuss, The Terminator!The Terminator is a 1984 film written and directed by James Cameron and starring Arnold Schwarzenegger, Linda Hamilton, Michael Biehn, Paul Winfield, Lance Henriksen, Rick Rossovich, Bess Motta, Earl Boen, Bill Paxton & Dick Miller.Visit our YouTube ChannelMerch on TeePublic Follow us on TwitterFollow on InstagramFind us on FacebookDoug's Schitt's Creek podcast, Schitt's & Giggles can be found here: https://podcasts.apple.com/us/podcast/schitts-and-giggles-a-schitts-creek-podcast/id1490637008

200 mil candidatos, 308 municípios, muitas listas e partidos. A campanha para as autárquicas arranca este fim de semana com sérios desafios para os partidos. Um estudo da GFK Metris mostra que os socialistas podem enfrentar uma "retração eleitoral sem precedentes" em 122 concelhos. A AD pode registar um "crescimento relevante", mas desigual no território. O Chega pode ficar longe do quase milhão e meio de votos das legislativas, mas terá vereadores instalados em muitas autarquias, e o PCP terá de lutar forte para manter as 19 Câmaras, mas pode ter Évora e Setúbal em grande risco. No Expresso da Meia-Noite desta semana dedicado às eleições autárquicas do próximo mês, Ricardo Costa e Bernardo Ferrão recebem Carlos Carreiras, presidente da Câmara Municipal de Cascais, Nuno Ramos Almeida, comentador SIC, Cecília Meireles, ex-deputada do CDS, e Ascenso Simões, deputado do PS.See omnystudio.com/listener for privacy information.

É o que defende o candidato do PCP à Presidência da República. António Filipe defende o voto presencial dos portugueses no estrangeiro e rejeita o voto electrónico, à distância. Ediçao Isabel Gaspar Dias

O Tribunal da Relação (que recusou um recurso no caso BES), o Metro de Lisboa (que esteve outra vez parado) e o PCP (que usa organizações de fachada para protestar) são o Bom, o Mau e o Vilão.See omnystudio.com/listener for privacy information.

Em entrevista ao programa Hora da Verdade, da Renascença e jornal Público, o líder do Partido Comunista diz que o primeiro-ministro já “anunciou” o sentido de voto contra do PCP no Orçamento do Estado com as opções políticas que tem tomado. Sobre as presidenciais, Paulo Raimundo afirma: "mal do nosso povo" se tiver de escolher entre Gouveia e Melo e André Ventura numa segunda volta.

Welcome back! We are excited to share a new episode, and a revised format. Ever think there might be a connection between nicknames and a commonly-used term in health care? Listen, and find out! This month, Dr Thomas White addresses the term "PCP" - its history, its positive and negative connotations, and (spoiler alert!) why he wishes the term would go away. He interviews two of our popular guests from previous episodes - Dr Shauna Guthrie of Henderson NC and Dr Tommy Newton of Clinton NC - to get their wise perspectives. We hope you find this discussion interesting and thought-provoking. Thank you for your support! And please visit our website, The Family Doctor Podcast.  Dr. Lee Beatty's blog has some more thoughts about PCP.

O candidato do PCP às presidenciais apresenta as propostas para Belém. Native Scientists distinguida com Premio BBP "La Caixa" com programa cientista regressa à escola. Edição Paula Machado.

Smallville Presents: Crimson, Pt. II and Zod's 9/11It's Valentine's Day and Lois refuses to do anything romantic with Clark, but he isn't helping either. After a blast of fairy dust, a.k.a. PCP, laced with Gemstone Kryptonite, Clark now has the ability to "persuade" the people he talks to. Lois becomes a traditional housewife. Chloe somehow gets worse and is a psychotic C.K. bodyguard. Even Clark persuades himself to try and kill Tess after Zod tells him she killed the clone of Jor-El (#9.7)... or did she?

Not sure how best to fund your motorhome purchase? In this episode of the Motorhome Matt Podcast, Matt and Keith take a deep dive into the world of motorhome finance, helping you understand your options whether you're buying your first van or upgrading to your dream setup. From spreading the cost with long-term hire purchase agreements to understanding why a personal loan might not always be the right move, Matt is joined by Steven Blake from Motorhome.Finance to unpack the key differences between HP, PCP, remortgages, credit cards, and more. They also cover what to watch out for when it comes to regulated vs non-regulated lending, credit checks, and early settlement penalties. With winter storage season creeping up, Matt also shares his top tips on how to clean and protect your motorhome using a new range of products developed specifically for motorhomes and caravans. If you're dealing with black streaks, bug splatter, or just want a proper winter prep routine, this bit's for you. In this week's listener Q&A, Matt answers your questions on: What makes a motorhome truly winterised Whether a diesel heater is worth the investment The best steering wheel locks for security And how to keep your solar panels working under a cover Whether you're in the market for a new motorhome, planning your winter maintenance, or just want to avoid costly mistakes, this episode is packed with practical advice and real talk. ✅ MOTORHOME MATT APPROVED Services, products and educational resources used and approved by Motorhome Matt mhmp.info/approved

Há dois candidatos que sabem do que falam: Moedas e João Ferreira. Alexandra Leitão tanta liderar à esquerda, mas é atropelada pelo PCP. Chega é o lado mais fraco a falar para um nicho do eleitorado.See omnystudio.com/listener for privacy information.

Os comentadores Duarte Pacheco e Mariana Vieira da Silva analisam a situação nas urgências da Península de Setúbal e a promessa de atração de médicos para o SNS. Com a presença do eurodeputado João Oliveira, do PCP, o painel comenta ainda o relatório de uma comissão de investigação independente da ONU que acusa Israel de cometer genocídio na Faixa de Gaza, a par do início da ofensiva terrestre israelita sobre a cidade de Gaza.

O Chega apresentou uma moção de censura a Carlos Moedas, que como era expectável foi chumbada. A atuação do líder da Câmara de Lisboa, após o acidente no Elevador da Glória, tem despertado várias críticas. Deve Moedas pedir a demissão? Daniel Oliveira considera que está em causa a responsabilidade política e não a culpa perante o sucedido, Francisco Mendes da Silva afirma que a moção de censura é “extemporânea e desproporcionada”. Ouça a análise dos dois comentadores no Antes Pelo Contrário em podcast, emitido na SIC Notícias a 9 de setembro. Para ver a versão vídeo deste episódio, clique aquiSee omnystudio.com/listener for privacy information.

Listen as pulmonologist Peter Dicpinigaitis discusses his approach to the diagnosis and management of patients with refractory chronic cough in the context of a clinically relevant case and provides insights regarding emerging therapies.PresenterPeter Dicpinigaitis, MDProfessor of MedicineAlbert Einstein College of MedicineDivision of Critical Care MedicineMontefiore Medical CenterDirector, Montefiore Cough CenterBronx, New YorkLink to full program:https://bit.ly/4kweynG

In this episode of the Active Bariatric Nutrition Podcast, I discuss:Why reactive hypoglycemia happens after bariatric surgeryHow to spot the difference from dumping syndromeNutrition strategies to keep blood sugar steady & energy stableFueling tips for before, during, and after workouts so you don't crash mid-trainingWhy working with your PCP, surgeon, or endocrinologist and a Registered Dietitian is key in managing this conditionLet me know what you thought of the episode!If you want to learn more about how to adjust your plates based on your activity level, click here to download my FREE Active Bariatric Training Plates handout! To learn more about my new 6-week program, Bariatric STRONG which will open again in Fall, 2025, click HERE to join the waitlist as space is limited and will fill up fast! To learn more about my Bariatric Nutrition Coaching Programs, go to: www.activebariatricnutrition.comFollow Active Bariatric Nutrition at:Instagram - @activebariatricFacebook - Active Bariatric NutritionYouTube - Active Bariatric NutritionTikTok - ActiveBariatricNutrition

Alberto Gonçalves comenta a decisão do PCP em manter a festa do Avante! após a tragédia do Elevador da Glória.See omnystudio.com/listener for privacy information.

Most people get something very wrong about the doctor—they're not meant for a lot of the things we try to use them for. With that in mind, let's talk about how to get the most out of your doctor visit.  We're going to take a look at what you can reasonably expect from a physician during a quick, infrequent visit with them. And then I'm wrapping up with some thoughts on health insurance—what you need to know and what you can expect when searching for a provider who can help you with your vestibular disorder. In this episode, we'll dig into: What most people assume incorrectly about their primary physician The No. 1 thing to avoid during a doctor visit 3 tips to keep in mind for your next medical visit Important information to bring & share with your PCP What you need to know about health insurance & out-of-network providers Since I don't have the power to change the healthcare system, I want to help you navigate it more easily. For even more tips, join us in Vestibular Group Fit (use code GROUNDED for a 15% discount)! Links/Resources Mentioned: Vestibular Group Fit (code GROUNDED at checkout!) More Links/Resources: ⁠The 4 Steps to Managing Vestibular Migraine ⁠The PPPD Management Masterclass⁠ ⁠What your Partner Should Know About Living with Dizziness⁠ ⁠The FREE Mini VGFit Workout⁠ ⁠The FREE POTS - safe Workouts⁠ ⁠Vestibular Group Fit (code GROUNDED at checkout for 15% off your first subscription cycle!) ⁠ Connect with Dr. Madison: ⁠@⁠⁠TheVertigoDoctor ⁠ ⁠@TheOakMethod⁠ ⁠@VestibularGroupFit⁠ Connect with Dr. Jenna @dizzy.rehab.therapist  Work with Dr. Madison 1:1, Vestibular Rehabilitation Therapy Vestibular Group Fit Small Group Coaching (offered throughout the year, sign up for our email list to learn when!) Why The Oak Method? Learn about it here! Love what you heard? Reviews really help us out! Please consider leaving one for us.  This podcast is for informational purposes only and may not be the best fit for you and your personal situation. It shall not be construed as medical advice. The information and education provided here is not intended or implied to supplement or replace professional medical treatment, advice, and/or diagnosis. Always check with your own physician or medical professional before trying or implementing any information read here. ————————————— living with vestibular disorder, vestibular support group, vestibular dysfunction, vestibular disorder, vestibular migraine, dizziness, DO, medical provider, PCP, primary physician, tips for going to the doctor, healthcare system, medications & supplements, diagnosis, meniere's disease, BPPV, lifestyle changes, dietary changes, exercises for vestibular disorder, insurance, out of network, HSA, FSA, doctors appointment, doctor visit

In this episode of the "Southern Medicine Podcast", Tatiana Havryliuk, MD, and Randy Glick, BSB/PM, MCP explore how a quick bladder scan can streamline care, reduce costs, and improve patient comfort as they discuss a case in which a patient with BPH presented to his PCP with progressive urinary hesitancy and suprapubic pain. Using point-of-care ultrasound (POCUS), his provider identified a significant post-void residual volume and managed his condition on-site, saving him a trip to the emergency department.  Dr. Tatiana Havryliuk is an emergency physician and founder of Hello Sono. With 15 years of experience using POCUS in diverse settings, from urban EDs to Everest Base Camp, she is dedicated to extending its benefits to more patients. With Hello Sono, she and her team support practices in building compliant, high-quality, and profitable POCUS programs through tailored education and implementation.

In the U.S., nearly two-thirds of women over 50 already have low bone mass, and almost one in five have osteoporosis. For many, that means a higher risk of fractures from everyday movements — twisting to grab a dish, hitting a bump on a lawn mower, or a simple fall.In this episode of The V Movement, Allison Craig, PT, unpacks why bone health is such a critical piece of women's health in the perimenopause and menopause transition. You'll learn:1. How estrogen protects bones — and why bone loss accelerates during menopause2. The surprising amount of bone mass women can lose in just a few years3. Why fractures of the spine and hip are life-changing — and often preventable4. The power of resistance training (with evidence from systematic reviews & meta-analyses)5. Simple, realistic ways to start strength training now — no gym membership required✨ Whether you're in your 30s and planning ahead or already postmenopausal, this is the time to take action. Strong bones mean independence, vitality, and confidence for decades to come.⭐️⭐️⭐️ Sign Up Now for our 8-week Menopause Masterclass Fitness & Wellness Series — a transformative program for women ready to feel strong, supported, and empowered through menopause.

Passou a noite do 25 de abril a chorar agarrado à G3, no quartel de Mafra. Fez a primeira greve nas forças armadas. Foi corrido à pedrada nas campanhas de dinamização do MFA no Alentejo, por estar a tirar emprego aos locais. Luís Pinheiro de Almeida recorda a censura e a pancadaria quando o PCP tomou conta da sua agência noticiosa, onde trabalhava como jornalista ao mesmo tempo que era assessor de imprensa de Otelo. No dia 25 de novembro parecia um pistoleiro mexicano todo armado quando foi visitar o pai, que fazia anos: “Parabéns, pai, não posso ficar, estou em guerra”.See omnystudio.com/listener for privacy information.

On this episode of "The Founder's Sandbox", Brenda speaks with Donovan Ryckis; CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in mid- -large market employers. Ethos Benefits was founded in 2016, after a chance request from a client of Donovan when he operated as a financial advisor--the client was faced with an increase in the companies' health insurance bill for the companies' employee plan that would have had a financial burden that threatened the sustainability of the company.   ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose.   Through Donovan's origin story we will have our eyes opened as business owners to the potential risks of employer sponsored healthcare plans and how to mitigate these risks. You can find out more about Donovan and Ethos at: www.linkedin.com/in/donovanryckis Upcoming master class on August 14th https://ethosbenefits.com/ https://businessofbenefitspodcast.com/ For a limited time only access the documentary: It's not personal, it's just  healthcare. https://ethosbenefits.com/documentary/     Transcript:  00:04 Welcome back to the Founder's Sandbox. I am Brenda McCabe, your host on this monthly podcast. It reaches  business owners and entrepreneurs who learn about building resilient, scalable, and 00:32 purpose-driven companies, all with great corporate governance. I am Brenda McCabe, and I am your host. And the guests that come to the podcast are not only those founders and business owners who are sharing their experiences, but also corporate directors,  investors,  and professional service providers who, like me, want to use the power of the private enterprise, small, medium, and large, to create change for a better world. 01:00 Through storytelling here and a recreated  sandbox,  my goal is to equip  one startup founder or one business owner at a time to build a better world through great corporate governance. Today, my guest is Donovan Rikas.  He is joining the podcast as CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in the mid to large market employer space. 01:29 So I'm absolutely delighted to bring in a professional service provider in  the employer benefits area, which  we're going to  unpeel  this  sector  today in the podcast. it's fascinating. So thank you, Donovan, for joining me today. Thank you, Brenda. Thanks for having me. Excellent. So  the company you and Chelsea, your wife and president of Ethos Benefits, 01:59 was founded in 2016, which wasn't that  long ago.  But it happened serendipitously.  You got a chance request because at that time, you were a financial advisor, right? Yes. When  your client was faced with an increase  in the company's health insurance bill for their employee plan,  pardon me, that would have had such a financial burden,  it would have threatened the sustainability of 02:27 the company and that's your client. So what did you do Donovan? What was the origin  of Ethos Benefits? Thank you. Yeah, so that's exactly right. I started as a financial advisor.  So Ethos Benefits was formerly a registered investment advisory, which was Jay Donovan Financial.  And one of the interesting things that are a little bit different on the security side versus the insurance world is 02:56 the ability to  license and designate yourself as a fiduciary advisor to your clients.  So that's really important and that's kind of where we started as financial advisors. So that essentially means that you're not gonna be commission-based with variable commissions based on what you wanna sell and the client doesn't really understand, right? You're gonna be  transparent with how you earn any compensation. 03:23 and you're not gonna have any conflicts of interest that might change  the recommendations or advice that you're giving them. So it's gonna be flat fee and you get to work with them directly instead of working for the financial institutions and the insurance companies kind of in the background that are actually the ones incentivizing. Cause  it's this odd relationship where it's like you think the financial advisor is working for you but they're actually incentivized by the institutions  that they're representing. Very important clarification because we do have a question 03:53 further on, which is, you know, what, what, how does the 401k management, right about employers 401 plan, mirror that of healthcare benefits? Yeah, for sure. You'll start to see some of those. So that's how we're working as financial advisors. And that's an important distinction as we get into an explanation of 04:22 the whole healthcare industry and how that works. So you're exactly right. I was working as a financial advisor, working with business owners  because they had more kind of complicated planning and tax structures and things that I could do to really make a difference.  And what I realized is when most of them had commission-based advisors, they'd rush to sell a product, mutual funds  with upfront loads and REITs that had  proprietary commissions and all this kind of stuff. And then they would leave without worrying about any of the 04:52 tax consequences,  you know, islets or trusts or even wills, right? Like all these extra things that business owners needed to set up their own personal wealth, but also their company, their 401k, maybe combining a defined benefit plan. So that was kind of the niche I chose.  And it was incredibly lucrative. I loved it.  Was doing exactly what I wanted to do until that client kind of asked me for that help, like you alluded to. 05:21 And it was 40 % increase on his health insurance. He said, my broker says, this is it. There is nothing else. Can you help? And I didn't know any idea. Like I had no idea about health insurance or what I do. But yeah, just- No, no. problem. 05:39 And certainly as a financial advisor, it kind of seemed like going backwards and beneath me. didn't really want to do it, but I was like, I could hear the panic in his voice. And I was like, yeah, absolutely. Just send me everything you have. And after about three weeks, basically making as many connections in the industry and learning as much as I could and trying different things, we basically mitigated that increase entirely. 06:05 And he actually came three points under where he was currently today before that increase. And we didn't take away any benefits from employees. We didn't put them in smaller  HMO networks. We didn't increase deductibles or increase their premiums. None of the usual tricks.  So this was a like for like solution. We actually improved the plan a bit and came in under.  And it really made me realize in that moment, it wasn't my experience or my education or my smarts that 06:34 may be able to do this,  it was a lack of conflicts  in compensation and incentives,  right? Because his broker does about $7 billion a year annually.  I didn't come in with more market knowledge, leverage, or experience. I just didn't have conflicts of interest and compensation. That's what  started me down this path.  And  back then,  you hadn't yet  created Ethos Benefits with that name. 07:03 So when I did a little bit of research,  I couldn't have been more delighted that you actually reached out to to be featured on the founder sandbox because of two reasons, you the word fiduciary, right?  It was in  your basically your call to action, right? Or your or the definition of company. So,  you know, you  are  the governance of a company goes way beyond making a profit for shareholders. 07:32 the duty of care, the duty of loyalty and the duty of obedience is really the underpinning elements of  fiduciary duty. And on your website, you say our ethos is simple fiduciary first. So we're going to appeal that in here in a minute here. So act in the best interest of those we serve,  no matter the cost. You also on the website,  you you had a purpose ethos represents the guiding principle. 08:01 character or spirit of an organization or a person is the why that drives decision making and feels purpose. So I,  I looked like I was reading what next act advisors may consult a firm is about is just really finding those purpose driven. So  with that, I wanted to just, you know, ask you,  what was that you had that first client that first aha moment, and 08:29 How long did it take you and did when did you realize that this could be a a career change for you, right? Rather than a financial advisor, you were actually actually a health care benefits advisor, right? Yeah, I mean, I think I think the first moment is, you know, being being a financial advisor was very lucrative. And I like the people I was working with. I liked working with entrepreneurs and business owners and and, you know, just 08:58 I found them inspiring and I was curious about the things they're doing. And  I think that kind of lifts everybody up when you keep a circle like that, right? Like you  push yourself harder, you learn, educate and do different things.  So I love the clients I was working with. Like I said,  maybe  working on personal wealth for individuals though, isn't the most rewarding thing you could be doing. seeing that... 09:25 Don't get me wrong, I was paid well enough. It would have took me a long time to figure out that it wasn't very personally fulfilling.  But seeing that first case, mean, the first thing I did when I got that successful proposal back, before I presented it to the clients is I was looking at the math  of what does this cost? What difference does this make per paycheck to all the individuals in this planet? And then I'd look at somebody, my God, this person's got a wife and two kids. Look at the difference in premium there. 09:54 I was calculating my work in return to the average American worker and realizing like me putting myself aside to  proactively, strategically go after this problem instead of making a decision for my own personal commission, looking at how much that impacted everybody. And that was powerful. 10:20 I'm going on 20 years in financial services and every aspect of it, I've seen people who prioritize commissions over, you know, a better product, a better outcome for an individual. But the idea that that could be done on scale to where you're now making that decision for yourself over 200, 500, 2000, 3000 employees, like that's pretty disgusting, right? So seeing that that kind of impact could be made. 10:49 I mean, it was  it was really not a question after that I knew I was transitioning my business. Excellent. Excellent. So  my own path  after 25 years in Europe  was quite an eye opening experience when I came back to the United States, I am a US citizen, but I had to get you know, I've been working for myself and I had to get self insured. So  I got back this is like 11:18 12 years ago, I got the Affordable Care Act for dummies from my local library.  I had not yet transferred my tax certification to the United States takes quite a few years when you've been gone so long.  So you because you do have to sub venture tax returns and all that. And then  I ran into I met Marshall Allen, the author of never pay the first bill and the other ways to fight the healthcare system and when 11:46 Marshall Allen actually spoke at  a graduate or alumni event of University Chicago. And  I was, you know, reading these books. And you know, eventually,  I got my own broker to help me get onto the exchange. But it every year has been  an experience.  I'm fortunate to be part of a  membership organization through which  for small  and medium sized businesses and I get  PPO through 12:14 I won't mention names, but  I was  blessed because just  and I'm 12 years in the United States, you have to knock on a lot of doors to actually get health care when you are a small business  owner  and really  understand what  you are paying for,  not only your premiums of what are the services  that are provided. So can you talk about  the average 12:44 premium for a family of four and some of the  numbers that you discovered  and believe  we as a country could actually improve  on the outcomes, healthcare outcomes with the actual spend we have today, right? Yeah, we're getting the numbers are pretty wild. mean, I feel like we're really kind of getting to a breaking point with it.  You know, 13:12 For what I work on, employer-sponsored healthcare, 186 million Americans are covered under employer-sponsored healthcare plan. These plans can average increases anywhere from seven to 10 % annually. We see a lot of reports that come out that kind of measure these things. Kaiser Family Foundation does one, Milliman Index is another one. So there's a lot of studies that kind of measure this annually and changes for employers across the board. 13:41 What we saw this year for 2025 was the average cost for a family of four under employer sponsored health care plan is $35,119, which is just an astonishing number. That is unaffordable for an employer. That's unaffordable for an employee. And it's unaffordable for them to split that cost as well, which is how these, yeah, that's how they're structured in some way or another. 14:11 And another number to know that kind of governs this is the ACA affordability percentage, which is essentially where employers have to contribute, they have to contribute enough to keep the premium under this amount, which is 9.02 % this year. So premium for one of your employees cannot exceed 9.02 % of their take-home pay. 14:39 And this is updated on an annual basis, correct? Correct. Yeah, it fluctuates a little bit, but it's always right at 9, 8.5, 9.2, it's balanced up and down. But that's a pretty astonishing number too. And I see a lot of companies that are basically designing their contribution just to stay under that. it's, obviously they'd love to do more, but with the way these costs increase annually, sooner or later, they get to that point. 15:07 where they're kind of designing it just to be under 9 % of the employee's income. Okay, that's  astonishing.  And I'm happy that you  are working nationwide now with employer benefits with companies that, what's the size of the companies that you typically sell to? So we only work with large employers these days. And if we have somebody come in a little bit under, we have some associate agencies that we can kind of refer them to. 15:36 I'd say our minimum is usually like 250 eligible employees all the way up to 5000. Yeah, so anywhere in that mix. Excellent. So when again, I first met you was unaware because you've basically become nationwide in the last what two, three years, right? I'd say around COVID. Yeah, I took off right. So when I was speaking with you spent some time on the website. 16:06 I was trying to understand the sales alignment. So how you reach customers, those employees that have 250 between 250 and 5,000 employees, right? My first reaction was, OK, Donovan, go in with either of these benefits. You do a cost down, right? You've done, you basically work yourself out of the job. You corrected me. So for my audience, so how? 16:32 does ethos benefits work for a company, right?  What is that?  Is it is it an annual  engagement  talk walk me through the work you Yeah, I mean, things are happening on a daily like when we break down our scope of services, we'll actually show them like,  these are daily, these are weekly tasks, these are monthly, quarterly and annual because there's so much happening.  So  we're talking about the employee benefit space. Yes, it's  the 17:01 kind of designing consulting for the annual premium for a 12 month period. I think that's what people first consider.  But there's also a ton of compliance factors that have to happen throughout the year that that company has to fill out, right? Could be anything from section  125s,  5,500s,  wrap documents, all kinds of notices and disclosures  that need to be done.  Also, you know, we deal with benefits administration. So that's... 17:29 How are the employees making elections, seeing premiums? Is that integrating into payroll?  So functions like that with eligibility in and out of the company  adjusting that.  But also we kind of discussed and talked about the fact that health care is incredibly complex. So all the same market influences, where the market's at, interest rates,  inflation, all that kind of stuff affects  health care rates just like any other company in the market. 17:58 but it also gets as granular as  new medical procedures, new drugs, new generic drugs that are now an option.  It can even go down, you know, locally or regionally to where we get a new CFO in a hospital group and that starts changing the reimbursement rates that they're requesting from the insurance. So we see that where kind of a CFO comes in and they start flexing, making life difficult in a particular region or with a hospital group. 18:28 So all these things are kind of coming together and changing every single day.  Also the fact of the sheer amount of bills,  claims that come through.  So what we see on average,  this is a pretty crazy number, but  what we see on average is 18 claims  per employee per year. Okay, that's a lot.  That's a lot. So if we had just a hundred employees, that'd be 1800. 18:56 basically accounts payable  into the company. And that's part of our job too, because as you might imagine, hospitals make tons of mistakes on the bills, about 80 % of the bills have mistakes.  And then we also have to make sure that those are coming in at fair reimbursement rates to the company, because what hospitals bill is a spectrum for the exact same procedure. And the only difference is the payer. It's not the patient, it's not the complexity, it's not the physician, like it's literally 19:25 just the insurance card that can affect that difference in reimbursement rates. So all these things kind of come together where, yes, it  very much is a daily  task for me and my team on different things that we're working on. And- Are you an advocate in any way for the employees? Yes,  very much. So, you know, it's two, there's two complicated ecosystems at the same time that we're trying to navigate. 19:52 One is certainly the healthcare finance, which is what we're working with the company. But healthcare delivery for employees and members is just as complicated and confusing as far as where do I go? What is this gonna cost? What's the next step? Can I get a second opinion? How would that work? Right? And also helping navigate them to their highest cost or their lowest cost, highest quality and understanding what that is and giving them options to seek care at. 20:21 at lower prices if that's available. Excellent.  So your  delivery platform, is it like a customer success team  that  is assigned solely to that client? How does it work? Yeah, so it's kind of different. every employer is starting at a different place. They also have different ideas of where their end place or where their goal is. 20:49 healthcare delivery, kind of working on some things like that, there might be a couple of different ways we handle it. One might be having a direct  primary care provider. So the idea of a direct  primary care provider is basically same day, next day appointments with your primary care physician  and 30 to 60 minute visit times, not the average, which is seven minutes with a PCP, which is what most people get across the country.  And  with that DPC provider, you can also do things like 21:18 stitches,  blood work, get generic meds. So we're talking about more of a comprehensive service when you actually need it, not  the 14, 18 day  primary care. So that might be one of the ways we help with healthcare delivery.  It might be a nurse concierge where they have a nurse that they can help find providers,  navigate them. That might be a part of it.  So it kind of depends. then also  a lot of the times are 21:47 Our team will basically act as a care coach, where if they have anything going on, they can just call us. We'll help them set appointments, navigate them towards care, help them with their ID problems. Fantastic. Anything else you'd like to share or shed some light on the service offering of ETHOS benefits? So we're going to jump into a legal question in a minute here. 22:13 Yeah, I mean, it always just depends on the employer.  what I would say is generally they find everything we do to be  more comprehensive. And I think that's just the nature of the fact that we're not seeking compensation from the insurance providers or working with the client, because  it's my belief that we don't have a single thing to sell to an employer.  Employers have a health care problem. And we're here to solve that and work through that in any 22:42 way that they need at that given time.  So we're not,  you know, pushing those solutions are having those conflicts.  It's an excellent segue down into  current lawsuits  that are popping up with respect to,  first of all 401k, lawyer, and now healthcare benefits. So before we jump into that some specific cases, you know, for my listeners, what does fiduciary mean? 23:12 in your business model, right? Please. Yeah. So fiduciary for us is certainly always acting in the best interest of those that you represent. It's the highest standard of care.  So you mentioned a couple of things  earlier, loyalty, obedience. I think the biggest thing where companies may think they're acting as a fiduciary and they're not, because while we carry that duty to our employers and our clients, 23:40 Employers have that duty to all of their employees. And that's something that are kind of educating them because a lot of them don't realize it. But  I think the big duty that is  left out or misunderstood is the duty of prudence.  Okay. So did they go far enough in investigating solutions and understanding the problem and working through it and having a committee within the company to kind of help go through that? Because what I mean, in a compensation package, there is nothing more important 24:10 than the cost of health care and the options in health care, right? And how those decisions are being made.  So I see the duty of  prudence being the kind of  most 24:23 I, the duty with the most opportunity, let's say, maybe, maybe the most misunderstood because  the employer sometimes think, well, you know, the broker came in and he showed me one or two other options.  This is the least worst option. Therefore that's what we're doing. And I think that's enough. Right.  And that is not the case.  And it's only until there's a 40 % increase due, right. It doesn't employer say  my business is not sustainable. 24:51 So actually healthcare is what not the number two or number three expense  in the company's PNL today. Correct. Right. So walk me through some of these  recent lawsuits.  Yeah, I think we have companies like J &J and JP Morgan. Speak to me about that. 25:14 Yeah, J. J. J. P. Morgan, Wells Fargo. A lot of them are almost they're copied and in some parts of the complaint,  because it's very much the same thing. the first one we saw was  Lewandowski versus Johnson and Johnson. And this is for their health care plan. You know, they're a Fortune 50 company.  I think they somewhere around 160,000 employees. 25:42 and they have a benefits committee and a benefits team of 16 or 18 people. So a big team of people to help make these decisions, understand them and vet them. And the lawsuit is basically for their decision of pharmacy benefit manager. So a pharmacy benefit manager essentially sets the price for any drugs that employees could get within the plan. And it lays out 35 or so specific examples of drugs 26:12 but basically they agreed to pay  up to  13,000 times  the cost of the drug that's available, just cash pay.  employee and employer funds are agreeing to pay that kind of multiple on a drug that's available without insurance, much, much cheaper.  And the  lawsuit is brought by the plaintiffs, who are they? 26:40 am Lewandowski. So she's she's the plaintiff. And then I believe as it's developed, other employees have kind of came on. So 13,000 was it do you know, I know that you're not directly involved in this case. Nor should you speak to it if that is the case. But is the transparency of the data? Can you get that data if you were an employee to then understand the 27:09 multiples that your employer plan has agreed to pay to the pharmacy benefit. I'm aghast. 13, I think the number is 13,226. So when this came out last January, the first thing I did is I read through the whole complaint. It was like 130 pages went through all these. So for all the drugs that were mentioned, I ran 27:40 J &J's prices, again, Fortune 50, 150, 160,000 employees. So you would assume they're getting leveraged prices, they're making great decisions, all those kinds of things. I ran those prices against what my clients were paying. And in the smallest, like I think our smallest in my book of business, like 100 insured employees somewhere around there, they were paying 94 % less. 28:06 for the same, for one fill of all the same drugs. So the math worked out to be like 135,000 for J &J for one fill of each of those. And my clients were like 3000 or 4000, don't know, it's all my LinkedIn. posted the public letter as soon as it came out. But I basically price referenced them. So it's not a question of leverage or buying power, know, all the ridiculous things you hear. 28:34 when you're talking to  an insurance broker for these types of decisions,  it's literally, it comes down to that question of prudence. Like,  how did you vet these decisions?  Do you know how the pharmacy benefit manager is getting paid? Do you know what these drug benchmarks are against the cash price?  And that's  where I think this lawsuit is gonna be a slam dunk. Like, there is no reason for a company that size with that big of a benefits committee to hire such a conflicted PBM, is what they call it. 29:04 You heard it here on the founder sandbox. So stay tuned for  any other  lawsuits that are  worthy of mention. Do all of them? Are they all related to the pharmacy benefit manager conundrum?  There's there's all kinds of lawsuits. I think the PBMs are the lowest hanging fruit because it's so easy to benchmark. But certainly the same arguments exist with  hospital reimbursement rates. 29:33 And we're starting to see those as well. Excellent. Well, thank you  for sharing  a bit more  details on  the  recent,  I guess,  health care benefits in the news, right? Lawsuits.  Going to get a little bit technical here. 29:57 because you allowed me to.  the framework of the CAA of 2020 and 2021, that's the minimum set of standards for activities to benchmark health care plans.  And so  what are they?  Because it then leads into  some of the common sense strategies  that employers can deploy immediately.  So can you walk? Because this is just as yesterday, it's actually during the pandemic. What's the CAA? 30:27 of 2020, 2021. Thank you. Yeah. So that's the interesting part of this. So the reason I said a decade ago, over a decade ago, I was waiting for these health care lawsuits to happen. It's because Arissa has always stated that  employers have this fiduciary responsibility, just like they had with  401k. The problem has been, and the reason these lawsuits didn't come sooner, is that health insurance companies  make this data hard to access. 30:56 different carriers were released different amounts.  And there was no set of compliance standards for employers to understand this is how I go about making it, making these decisions and benchmarking these decisions, right? Like  it was all just too vague, too opaque. The data was too gagged and withheld from the employers.  So the starting point of how do I know I'm being prudent or not, that's kind of what wasn't known prior to the  CAA of 2021. 31:27 So  the CAA  basically defined a set of minimum standards  that you have to do to even pretend like you're being a prudent fiduciary for your healthcare plan. So there's four things, but there's three main things. I'll mention the fourth thing as well, because there's funny stuff about that.  So the first one  should be the most obvious, and  it's kind of our founding story, which is understanding 31:53 your broker compensation before you enter into any arrangement or agreement for your upcoming plan. So that should not only be how much,  it should be when, what type of bonus is there. If you're looking at carrier A, B, and C, really what it says is you should know what is their compensation for carrier A, B, and C before you make an arrangement, because they will be different. And that will change the recommendation, the advice, the conversation that you're having with that broker. 32:23 is critical. That is so critical. And  in reading these transparency commission  disclosures from  brokers, it is wild, the stuff that they put in there and how conflicted their advice is.  One of them that I looked at last week said, broker acknowledges that their parent company has equity in the insurance carriers that they're recommending. Oh my gosh. So they're essentially saying, 32:52 We are an insurance company that's going to bias our recommendations to the own companies we have equity in. It's like, that's no longer a party you should take advice from, right? 33:07 Okay, so that's part one.  Yeah, no, this is this is  and you know,  I without it's gonna get too technical because the gag clause and  the prescription DC reporting so that you know, basically CAA has provided the set of benchmarks, right, which  you need to at least checkmark right before you actually do. 33:35 engage or decide on your employer benefit plan.  Yeah. To be in compliance with your fiduciary duty, particularly that of prudence. Yeah.  Yeah. And I think companies shouldn't look at as a checkmark. I think if they apply it with a good faith effort, they'll see like, oh,  it's not compliance. This is a framework  for making better decisions.  Right.  And that's what it's meant to do. It's meant to say, 34:05 Know your compensation, know your drug benchmarks,  and  eliminate any gag clauses to your data because you need your data to make decisions. So I think if companies make a faith effort, they'll automatically get better outcomes. That's the way here. Excellent. Well, thank you, Donovan. I want to give me this time to actually  speak about  how to contact you,  your company. But more importantly, 34:34 There is  you're hosting a webinar on August 14, which is right around the corner. Can you  give us some more details?  The details will be in the show notes,  but speak to the event that ethos benefits is hosting on August 14 2025. Thanks. Yeah, thank  you.  Yeah. So on the 14th, we're doing a fiduciary workshop masterclass, which is basically understanding what your 35:03 what your duties are, how to get through them, how to navigate them, how to have this framework for decision making and document that process as well. And it's all geared towards just achieving those better outcomes for your company, eliminating any of these risks and really creating positive results for your people. Excellent. And any information with respect to how to reach out to you beyond the- Yeah, sorry. the registration is on a banner on the top of our 35:33 on our homepage. So ethos benefits.com. If you connect with me on LinkedIn, LinkedIn,  Donovan, ragas, you can find it there as well.  Great. Well, I'm coming to the  part of my podcast, which  brings us back to the sandbox.  In my work, I'm all about working with purpose driven, scalable, and resilient companies. 36:00 And so I ask my guest, what is the meaning of each of those terms? What does purpose mean to you? 36:08 Purpose, what does it mean to you? That's such a big question that you can go a lot away from. You know, I feel like purpose should be almost like a hidden driver. It's almost not like a well-considered thing. It's just kind of driving you forward.  I think our purpose  is progress,  right? Like if something can be done better, it should be and just kind of moving forward with that. 36:35 We're trying to move one company at a time, but also the industry and better outcomes  for the country. 36:43 And that good feel factor when you get up in the morning and know that you're doing good, right? Yeah, absolutely. Let's just sleep well at night. Right? Yes. Amazing. How about resilience? You did share with me off  camera that yeah, while you abandoned the financials,  advisory role, it took almost five years, right to really find product market fit, right  and build this because it's a very unknown right industry. 37:12 unknown service within a very, very  complex industry, right? Yeah. So resilience for you, what does that mean?  Yeah, I think you're right. You know, it took us a while because we were sharing such a wildly different message than what people were hearing from their brokers. And sometimes they look at you and be like, well, you're small, they're big, that must mean they're right, right.  So I think resilience is being able to go from 37:42 failure to failure without any loss in energy, right? So when something doesn't go your way and you have an obstacle, an outcome that is less than desired, it's about being able to push on still without losing any of your optimism or energy. And that's all we do. So. Thank you for what you do. And scalable. What does scalable mean? 38:07 Scalable is certainly about having an actual documented process. I think when you're getting into something new as a company or a new system or procedure process, if it's not something that everybody in the company could repeat in the same way that I do, just inherently the way I do it because of my background and education, if it's not repeatable for everybody and everybody doesn't understand the purpose for those steps, 38:36 the outcomes from those steps, like the end result, it's definitely not gonna be scalable. Thank you. Final question. Did you have fun on the sandbox today? I did. Thank you so much for having  me. Thank you, Donovan.  So to my listeners, if you liked this episode with Donovan Rikas from Ethos Benefits,  sign up for the monthly release of founders, business owners, corporate directors, and professional service providers that share their experiences. 39:06 and how to build with strong governance a resilient, scalable, and purpose-driven company to make profits for good. Signing off for this month, thank you very much. Have a great day.  

Erica and Steve wash down seven hot dogs with a gallon of PCP!The Horror Hippies on Social Media:Instagram: http://instagram.com/thehorrorhippiesErica Nelson on Social Media:Instagram: http://instagram.com/ericablair___Steven Hugh Nelson on Social Media:Instagram: http://instagram.com/stevenhughnelson/IMDb: https://www.imdb.com/name/nm3841612/

Asking questions about mental health is not easy. What's even harder is asking those questions well. But here's the truth: community providers are uniquely positioned to spot the early warning signs of mental health struggles, including suicide risk. In fact, youth who attempt or die by suicide are far more likely to have contact with their PCP compared to a mental health provider in the months leading up to the event. Are providers identifying kids at risk? Are they asking the right questions in ways that open the door to real answers? In this episode, we confront this critical reality in front of a live audience. We are bringing practical tools to the hands of providers in our community. The way providers screen for emotional and mental health challenges can mean the difference between silence and survival. This episode was recorded in front of a live audience as our first community podcast experience. Stay tuned as we announce more opportunities like this across the region. This episode was cosponsored by The Liv Project: a nonprofit organization determined to take the conversation about youth mental health out of the shadows. For this episode, we have three incredible experts. Honey Beuf is the Co-Founder of The Liv Project, Liv's Mother, as well as an educator and advocate. She was on the podcast previously to share the story behind their documentary ‘My Sister Liv.' You can listen to that episode here. Susan Caso, MA LPC, is the Mental Health Advisor for The Liv Project, as well as a licensed therapist and author. Gina Herrmann, MD, is a pediatrician with Arvada Pediatric Associates. Some highlights from this episode include:  How specific word choices or ways to phrase a question can make a huge difference in creating a safe space for children  Ways primary care providers can support families of children experiencing suicidal thoughts  Steps PCP offices can take to implement helpful mental health support processes  Understanding the support systems that exist in communities around the globe  For more information on Children's Colorado, visit: childrenscolorado.org. 

In this reflection episode we hear from PCP listeners who generously share their stories of survival with reflections, questions and advice. It's a vulnerable conversation with an emotional ending but we hope it helps people find the kindness and compassion for themselves that we work on for ourselves. Thank you to everyone who contributed, we feel so lucky to have you in the area with us!

Jesse P. Pollack: The Acid King ( Ricky Kasso )Real stories. Real teens. Real consequences.A murder in a small Long Island town reveals the dark secrets lurking behind the seemingly peaceful façade in this latest installment of the Simon True series.On June 19, 1984, seventeen-year-old Ricky Kasso murdered Gary Lauwers in what local police and the international press dubbed a “Satanic Sacrifice.”The murder became the subject of several popular songs, and television specials addressed the issue of whether or not America's teens were practicing Satanism. Even Congress got in on the act, debating Satanic symbolism in songs by performers like AC/DC and Ozzy Osbourne. “The country is in crisis!” screamed the pundits. After all, it was the height of the Reagan era and Nancy Reagan's “just say no” campaign was everywhere. But what this case revealed were bigger problems lurking at the heart of suburban America.Ricky Kasso wasn't a bad kid, but he was lost. To feel better, he started smoking pot, moving on from that to PCP and LSD. He ended up living on the streets and thinking he had nothing to lose. Gary Lauwers went from being a victim of bullying to using drugs to fit in, and finally robbery—but then he made the mistake of stealing from Ricky, and from that moment on, his fate was sealed.A few months later, Gary went into the woods behind the park with Ricky and two other boys. Only three of them came out.The subsequent police investigation and accompanying media circus turned the village upside down. It shattered the image of an idyllic small town, changed the way neighbors viewed each other, and recast the War on Drugs.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

Join heart surgeon Dr. Philip Ovadia and his clinical team to learn how you can prevent heart attacks. We'll dive in to lab work, CACs, what to do when your PCP is pushing unwanted drugs, and which numbers really make the difference.Send Dr. Ovadia a Text Message. (If you want a response, you must include your contact information.) Dr. Ovadia cannot respond here. To contact his team, please send an email to team@ifixhearts.com Like what you hear? Head over to IFixHearts.com/book to grab a copy of my book, Stay Off My Operating Table. Ready to go deeper? Talk to someone from my team at IFixHearts.com/talk.Stay Off My Operating Table on X: Dr. Ovadia: @iFixHearts Jack Heald: @JackHeald5 Learn more: Stay Off My Operating Table on Amazon Take Dr. Ovadia's metabolic health quiz: iFixHearts Dr. Ovadia's website: Ovadia Heart Health Jack Heald's website: CultYourBrand.com Theme Song : Rage AgainstWritten & Performed by Logan Gritton & Colin Gailey(c) 2016 Mercury Retro RecordingsAny use of this intellectual property for text and data mining or computational analysis including as training material for artificial intelligence systems is strictly prohibited without express written consent from Dr. Philip Ovadia.

FOLLOW UP: CAR FINANCE CLAIMSThe Supreme Court has ruled on car finance claims follow last years shock appeal decision that could have meant that lenders were liable for billions in compensation for mis-selling car finance schemes. The court has ruled that dealers do not have to work solely for the benefit of customers, which covers most claims, however if the commission rate is excessive then there is a possibility of a claim. What wasn't covered in this is claims where the dealer and lender could increase the interest on their PCP or HP deal without telling the customer. Anyone who signed up to this is still able to claim. To read all about this complicated matter, click this link here from MoneySavingExpert. FOLLOW UP: RENAULT GROUP ANNOUNCE NEW CEOJust over a week after the interim CEO was announced, Renault Group have found their new permanent CEO, Francois Provost. He has been at the company for 23 years, with his latest position being head of procurement, partnerships and public affairs. Click this Autocar article link to learn more. JLR LOSE ON CEO AND FIND ANOTHERAdrian Mardell is to retire from JLR, after 35 years at the company. The surprise news came out last week and by Monday the company announced his replacement, PB Balaji, who is the chief financial officer of Tata Motors. If you want to read more, click this Autocar link here. STELLANTIS MAKE A BIG LOSSFirst half year results are in for Stellantis and it is brutal. They have made a loss of £2 billion pre-tax. Tariffs are being blamed for a lot of it, but also a slow uptake on their B-segment offerings. The new CEO, Antonio Filosa, has said he will make tough decisions to help turn results around. To find out more, click this Autocar link here. PORSCHE TAKES PROFITS HITPorsche's operating profits dropped €2 billion in the first half of 2025. Once again tariffs are being blamed, but also they continue to lose market share in China. The company is looking at ways to save money, on top of the job cuts it has previously announced. You can read more on this, by clicking an Autocar article link here. HELSINKI REPORTS NO FATALITIES ON ITS ROAD NETWORK IN A YEARHelsinki has not had a road traffic fatality, for over a year. Reasons for this excellent news are a combination of improved infrastructure, all road users working together, reduced speed limits, improved public transport and targeted police efforts. To find out more, click this yle article link here. TESLA FOUND PARTIALLY RESPONSIBLE FOR FATAL CRASHA jury has found Tesla partially liable for a fatal accident that also caused life changing injuries to a passenger of a struck vehicle, after Autopilot was engaged. The driver of the Tesla vehicle claims he thought the driver assistance system would handle things whilst he retrieved his dropped phone. Tesla is to appeal the ruling. You can read more

PSD, Livre e PCP são contra mudança defendida por Carlos Moedas para polícias municipais alargarem âmbito das detenções. Chega critica autarca, mas defende revisão da lei.See omnystudio.com/listener for privacy information.

In this episode of The Broker Link, Josh Slattery breaks down key carrier updates that will impact Medicare Advantage and Part D plans in 2026. Highlights include:

 If you bought a car as far back as 2007 with a loan organised through your car dealership, you could be eligible for a payout.  The regulator, the Financial Conduct Authority, is consulting on a compensation scheme - and it's thought up to 40% of motorists who entered personal contract purchase (PCP) or hire purchase agreements between 2007 and 2021 will be eligible for a payout.  Niall Paterson talks to Sky's business correspondent Gurpreet Narwan about who might be eligible.  He also speaks to Adrian Dally, director of motor finance at the Finance and Leasing Association, who argues the payout levels look too high at this stage.  Producer: Emily Hulme Editor: Wendy Parker 

⭐️⭐️⭐️ Sign Up Now for our 8-week Menopause Masterclass Fitness & Wellness Series — a transformative program for women ready to feel strong, supported, and empowered through menopause.

This episode is a little different to our others. PCP aims to guide us all about how we can better support the kids in our lives. Sometimes though the weight of doing better can be too much. In this honest chat we talk about sometimes needing to just survive and how best to do that without feeling like a gladiator constantly fighting in the arena. We hope this helps lighten that burden and we can't wait to hear your reflections, questions and advice.

Evan Steele, Founder and CEO of online reputation management company rater8, emphasizes the importance of online reviews for healthcare providers and how patients are increasingly relying on reviews to select a doctor. The key to generating reviews is to actively ask for feedback and acknowledge receipt of comments. Negative reviews and low-star ratings can encourage practices to respond to comments, improving the patient experience and demonstrating to patients that the practice cares. Evan explains, "Now, you look in your insurance guide to see which providers in your area accept the insurance. There's a Facebook group. You might ask, Who do I go to see for my shoulder that hurts for an orthopedic surgeon? You ask your friends and family, your PCP gives you some names, and you start going down the list. And what's changed is if you call that first doctor on the list and they don't have great reviews, you might not even call them, but let's say you call them and they have a convenient time, and a location is convenient, but the next doctor has 150 reviews, 4.9 stars." "You read the comments, patients love this doctor. Even if the appointment time is not convenient for you or the drive is a little further than the most convenient location, you're going to book an appointment with that doctor. Just like I would never even think of dining at a 3.8-star rated restaurant. I wouldn't trust my health, my life, and my well-being to a 3.8-rated doctor. So I think people are making decisions now based on online reviews and even going out of their way and being inconvenienced to make sure they get the right doctor." #rater8 #ReputationManagement #PatientFeedback #PatientEngagement #PracticeGrowth #TrustMarketing #PatientAcquisition #PatientProviderRelationship rater8.com Listen to the podcast here

Evan Steele, Founder and CEO of online reputation management company rater8, emphasizes the importance of online reviews for healthcare providers and how patients are increasingly relying on reviews to select a doctor. The key to generating reviews is to actively ask for feedback and acknowledge receipt of comments. Negative reviews and low-star ratings can encourage practices to respond to comments, improving the patient experience and demonstrating to patients that the practice cares. Evan explains, "Now, you look in your insurance guide to see which providers in your area accept the insurance. There's a Facebook group. You might ask, Who do I go to see for my shoulder that hurts for an orthopedic surgeon? You ask your friends and family, your PCP gives you some names, and you start going down the list. And what's changed is if you call that first doctor on the list and they don't have great reviews, you might not even call them, but let's say you call them and they have a convenient time, and a location is convenient, but the next doctor has 150 reviews, 4.9 stars." "You read the comments, patients love this doctor. Even if the appointment time is not convenient for you or the drive is a little further than the most convenient location, you're going to book an appointment with that doctor. Just like I would never even think of dining at a 3.8-star rated restaurant. I wouldn't trust my health, my life, and my well-being to a 3.8-rated doctor. So I think people are making decisions now based on online reviews and even going out of their way and being inconvenienced to make sure they get the right doctor." #rater8 #ReputationManagement #PatientFeedback #PatientEngagement #PracticeGrowth #TrustMarketing #PatientAcquisition #PatientProviderRelationship rater8.com Download the transcript here

Listen to this Pretty Comprehensive Pod on PCP. Alyssa and Callum cover:EpidemiologyTaxonomy (PCP vs PJP?)Diagnosis TreatmentNote this pod episode also includes some Positively Jolly Puns on PJPNotes for this episode here: https://idiots.notion.site/115-Yeasts-Pneumocystis-jirovecii-ac05a01902b8457688b40c07020f2c2cSend us a textSupport the showQuestions, comments, suggestions to idiotspodcasting@gmail.com or on Bluesky @idiots-pod.bsky.socialPrep notes for completed episodes can be found here (Not all episodes have prep notes).If you are enjoying the podcast please leave a review on your preferred podcast app!Feel like giving back? Donations of caffeine gratefully received!https://www.buymeacoffee.com/idiotspod

Today's episode is with Dr. Averie Thayer who is an occupational therapist and the owner of Living Revived Therapy located in Nashville, TN.  She is a beautiful soul who shares her story on what made her choose this direction in her career, the history of OT, and much more.  She has experience in orthopedic rehab, neurological conditions, geriatric and memory care, pediatric and hand therapy.  What I absolutely love and admire about her is that she is a doctor who gets to the root cause and doesn't just focus on fixing the symptoms temporarily.  We talk about health insurance, direct primary care services, **then my damn SIM card in the sound board corrupts but after that we great audio :)**, insurance company corruption, why she started “Living Revved Therapy” and why she chose the name, the holistic healthcare movement, how to know if you have the right PCP and what are the red flags, aging the right way, I talked about my fainting spells as a child and the medication issues I had, Averie brings up a great point about the toxic part of this wellness journey, why gatorade is BAD, sourdough, morning routines, advice on how to live optimally so you FEEL good, the negatives of EMF, the importance of the sun and the difference in day time and night time rays, Barbara O'Neill (someone everyone should know), homemade remedies for cleaning, for the first time ever I share my vaccine injury, the MTHFR gene and it's importance especially for kids, folate vs. folic acid, pelvic floor therapy importance, + more.  Thank you SO much Averie for coming on and sharing all your knowledge and perspective on things.  I guarantee you this one episode will help so many people with a million different things and open their eyes to the importance of going back to what God gave us and living revived!!INSTA—https://www.instagram.com/averie_dunay/https://www.instagram.com/livingrevivedtherapy/Averie's Company— Living Revived Therapyhttps://www.livingrevivedtherapy.comHopewell Family care—integrative medicine based in Nashvillehttps://hopewellfamilycare.comCasey Means—GOOD ENERGY bookhttps://www.caseymeans.com/goodenergyElectroytes Averie Drinks—https://drinklmnt.comElectrolytes I drink (I don't use relyte anymore)—https://bodyhealth.com/collections/perfect-amino-electrolytesCREATE CREATINE20% off CAMILLATHEMOMZILLA code and https://trycreate.co/CAMILLATHEMOMZILLABarbara O'Neill Book “SUSTAIN ME--https://barbaraoneill.com/products/sustain-me-by-barbara-o-neill?srsltid=AfmBOorp_dkkXB_Yl1GSZgqa7uNcQZynofx383h-oRRuvskdj_gyRCCE

This week on Dopey! It's the long-awaited episode with Chasing Heroin host Jeanine Coulter, recorded live at Jeremy's house during Dopeywood!Janine tells the full, raw, and very dopey story of her descent into addiction: from being a straight-A Supreme Court hopeful, to getting obsessed with exercise and binge eating, to discovering coke in a redneck bar in Georgia, all the way to living in an abandoned cell phone store in Oceanside, California smoking heroin off foil.Janine talks about doing meth that was pink, accidentally getting strung out at 30, and finding herself in a cinderblock junkie jungle gym run by tweakers. She reflects on her arrest record, her failed attempts at controlled drinking, and how it all somehow led to a decade of recovery, a podcast, and a damn TED Talk on post-traumatic growth.PLUS: a touching email from a listener who outran the cops with a trunk full of weed and somehow lived to tell the tale. A beautiful PCP voicemail and much much more on a brand new epiksode of that good ol Dopey Show!Don't forget: DopeyCon 6 tickets are out on Patreon. Leave a review. Send a voicemail. And follow us on youtu

Listen as Michael S. Benninger, MD, describes his approach to the diagnosis and management of chronic cough and refractory chronic cough in the context of a clinically relevant case.PresenterMichael S. Benninger, MDProfessor of Otolaryngology-Head and Neck SurgeryLerner College of MedicineThe Cleveland ClinicPresident, International Association of PhonosurgeryCleveland, OhioLink to full program:https://bit.ly/4kweynG

Marc Sappington liked to get wet! Hey, who doesn't? The problem for Marc was that he smoked so much damn PCP that he started hearing voices. What were these voices saying? Well they weren't trying to get him to do his taxes I'll tell you that much. Support Lil Stinkers at https://www.patreon.com/lilstinkers to get every episode AD FREE and a week early PLUS weekly bonus content. Get your Lil Stinkers merch today at https://www.lilstinkerspod.com Follow us on Twitter and Instagram: Jon DelCollo: @jonnydelco Jake Mattera: @jakemattera Mike Rainey: @mikerainey82  

It's another mixed bag of your questions, taking everything from investing in offshore funds to evening up pension funds between spouses and lots more besides! Shownotes: https://meaningfulmoney.tv/QA19  00:57  Question 1 Hello Pete & Roger I am a regular listener to you show, love it and keep up the good work. My question is… I have a full 6 months emergency fund, I have no credit card debt or personal loans, I have a mortgage and I have just started investing 5% of my wages every time I get paid into the Vanguard all world tracker fund (keeping it simple) I have a new car every 4 years on PCP (so I basically lease it) as I always chop in for a new car and never pay the balloon payment at the end, this PCP is at 8%. I would like to hear your thoughts on weather investing is still okay to do along side this, the reason for having a new car is that I use it until the warranty expires and then change due to rising repair costs and hassle free motoring. I have brought older cars outright in the past and always ended up costing me more in repairs over the years. I am planning on leasing my cars for the permanent future so if I do not start investing now I will never have a chance to invest, and I do not see leasing at car as a loan as such, more of a permanent lease. Feel free to shorten my message to suit and excited to hear your thoughts, all the best. Adam 10:10  Question 2 Hello Pete and Rog! First of all, a huge thank you for all the valuable content you share – I really appreciate it! Keep up the fantastic work!  I had a quick question that's a bit technical (apologies in advance!), but I was wondering if you might be able to cover the topic of UK-registered funds when investing in a GIA on the podcast? I've heard that non-UK registered funds are taxed at the income tax rate rather than the capital gains tax rate. Is the best approach to check the ISIN against the list of UK-registered funds, even if the investment is made through a non-UK exchange (e.g., Amsterdam or Ireland)? Also, when a new client comes to you with non-UK registered funds, how do you typically address this issue? Thanks again for all that you do – really appreciate it!  Best, your #1 Fan! 14:00  Question 3 Hi Pete / Roger Thank you for your great work with your Q&As. Your cashflow ladder idea is great advice but when I look at graphs of cautious, balanced, growth funds they all go up and down at the same time. Over the last 10 yrs every time there has been a big market fall all the funds I looked at (at all risk levels) recovered with 32 months max. If 2-3 years cash is held on the 1st rung of the ladder why shouldn't I hold the rest in growth/agg funds? The cash rung will ride out the fall / recovery so I may as well put my money in a fund with the most growth potential? What am I missing? Stephen 19:57  Question 4 Hi Pete and Roger, Thanks for all you do. Your Podcasts and YouTube content has helped me get to retirement early. I have a number of investments in my Pension which are there to continue to grow hopefully over time. I have a well diversified portfolio mainly using trackers. I want to try to drop a particular individual investment from my portfolio that forms part of the Magnificent Seven, and is therefore part of a lot of the trackers I have. Unless I buy the FTSE Global index as individual shares can you see a way I cannot be in this one companies shares? Not sure there is an answer. Much appreciated, Chris 24:11  Question 5 Hello Love your podcast, I thought I was fairly clued up on pensions/finances but I have learnt so much more from your podcast. I recommend it to everyone! Especially my husband, who has so far failed to do so, he leaves the finances to me (which is probably why we are in this position as he has not addressed his pension). My question is: Our pension pots are very unequal, we're both 47.  I have 2 DB pots (combined are due to pay out circa 14k from age 65). I am also on track to have around 750k in a private pension by the time I am 57, and am planning to retire at this point.  My husband currently only has around 18k in a private pension, and is retraining as a teacher so he will only have a small DB pension not accessible until 68. He will therefore need to continue working for a few years after I retire.  I will need around a 2k a month in retirement, but I am thinking I can take up to £67k per year from my pension (so to remain in the 20% tax band). Use 24k for myself, and then we pay the remaining 43k into husbands private pension (or however much his earnings allow). If he is a higher rate tax payer by then, he would gain a 40% uplift on this or if not he will still get the 20% uplift back so we aren't losing out.  One of the main reasons for doing it would be to even the pensions out so that we can both withdraw tax efficiently in future, rather than me having to withdraw from my pension for both of us and so paying more tax. It seems like a no brainer but please let me know if I have missed something really obvious. Thanks in advance! Sarah 29:02  Question 6 Hello gents, If you pay a charity and claim gift aid within a given tax year, does that take your income down when calculating benefit calculations? E.g. if I earn £101k p/a and I give £2k to charity and (gift aid it), does that effectively bring my income below the £100k threshold for child government support like free childcare hours? Thanks, David

Sydney has been doing stand-up for over 20 years, ever since he was left shirtless and feeling cheap after a Destiny's Child music video model audition. Sydney has written for all kinds of great shows like The BET Awards, CBS's The Neighborhood, HBO's Game Theory and many others. He recently just released his first full comedy special "My Cup is Full" which was put out by 800 Pound Gorilla Media. To celebrate the release, Sydney was nice enough to come on the show! Doc and Sydney talk about his family thinking he should go to the NBA, getting into modelling, moving to LA, starting stand-up, starting comedy writing, winning Funniest Wins, spending a lot of money, working with Ali Siddiq, working with Bomani Jones, and of course his stand-up special. Meanwhile on the rest of the show Doc and Mike plan their 4-part series on James Brown, his love of shotguns and PCP. Introduction: 0:00:18 Birthday Suit 1: 17:52 Ripped from the Headlines: 21:58 Shoutouts: 32:13 Sydney Castillo Interview: 39:09 Mike C Top 3: 1:39:39 Birthday Suit 2: 1:58:39 Birthday Suit 3: 2:00:31

Thank you for joining us for our 2nd Cabral HouseCall of the weekend! I'm looking forward to sharing with you some of our community's questions that have come in over the past few weeks…   Lina: Hi Dr. Cabral, My neck has been feeling very fatigue for the past months. My spinal X-ray revealed a mild C5-6 disc space narrowing with endplate osteophyte formation. I am applying castor oil onto this area daily as I believe it help disintegrate bone spurs. Can you please provide guidance on what more I can do to break up these bone spurs and strengthen that area of my neck? Besides neck exercises which I am doing, are there any dietary suggestions or supplementation that would help. I am very grateful for all you do for us in this community. With much thanks, Lina                        Heather: Hello Dr. Cabral! I am a 47-year-old woman who has been experiencing double vision upon waking that usually lasts until around 11 AM, It does not happen every day but has been happening for a year and a half. It also happens when I have alcohol. I went to my optometrist and he said everything looked good, I went to my PCP and he wanted to run labs. No red flags, so he wanted to do an MRI on my brain. I decided to run the big five labs instead and found out I was low on all the B vitamins, had SIBO & Candida. I did The 21 day detox, completed the CBO protocol and will be starting a heavy metal detox next week. As of writing this I still am experiencing the double vision intermittently. Thank you!                                                                                                                                  Thomas: Thanks for all your work. It has been a very helpful resource for my family and I as we continue to improve our health. My question is about SPMs (specialized pro-resolving mediators). Can you speak about their efficacy or the lack thereof and whether you've personally used them or use them in your practice?          Michelle: Hi! Thank you for your show, I've learned so much from listening to your podcast! I'm just wondering your thoughts on a dental procedure. After my last dentist appointment I was told I needed two root canals or if I wanted to spend a little more I could have two implants. My question is, which one is safer? I've heard root canals can cause problems like low grade infections lasting a long time but I haven't heard anyone talk about any bad side affects from implants. Thank you for all you do. Michelle                                                                                                                                        Savannah: Hypothyroidism runs in my family both my mom and dad have it and both my grandmothers had it. I was diagnosed in my early 20's but I haven't been on medicine since having my son in 2023 and was wondering what's the best protocol of supplements and foods to help keep the thyroid healthy or heal it if possible. Thanks!   Thank you for tuning into this weekend's Cabral HouseCalls and be sure to check back tomorrow for our Mindset & Motivation Monday show to get your week started off right! - - - Show Notes and Resources: StephenCabral.com/3418 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!