Podcasts about Petersburg

In this newscast: A Sitka Grand Jury indicted a Juneau man Thursday for allegedly assaulting two men at a demonstration in downtown Sitka; Fairbanks police evacuated one of the city's Fred Meyer locations on Saturday evening, after a deactivated mortar shell was left in the grocery store's bathroom; The University of Alaska Board of Regents introduced changes to the University's antidiscrimination policy around hiring and recruitment on Friday; Alaska students' test scores improved modestly last school year, according to results released Friday by the Department of Education and Early Development; One of Petersburg's most popular trail systems on Mitkof Island recently got an upgrade with help from out-of-towners.

Mura Yakerson muss 2014 als junge Mathematikerin drei Tage ins Gefängnis in in St. Petersburg. Es werden drei Tage, die ihr Leben verändern — und ihre mathematische Karriere maßgeblich prägen. Hier findet ihr Mura Yakersons YouTube-Kanal „Math-life balance“ und ihren Content aus dem K-theory Wonderland. Auf ihrer Homepage muramathik.com findet ihr Muras Essay „Jail Dreaming“. Manons „Spektrum“-Artikel über Mura Yakerson lest ihr hier. Und wenn ihr uns Fragen, Anregungen oder Feedback schicken wollt, dann tut das ab sofort gerne an die E-Mail-Adresse podcast@spektrum.de Die Idee für diesen Podcast hat Demian Nahuel Goos am MIP.labor entwickelt, der Ideenwerkstatt für Wissenschaftsjournalismus zu Mathematik, Informatik und Physik an der Freien Universität Berlin, ermöglicht durch die Klaus Tschira Stiftung. (00:01:03) Einleitung (00:05:44) Der schicksalhafte Autounfall (00:10:26) Drei Tage Gefängnis (00:13:00) Muras Weg in die Mathematik (00:15:26) Träume von der mathematischen Zukunft (00:19:21) Homotopietheorie: Schubladen für Donuts (00:24:37) Die K-Theorie (und noch mehr Schubladen) (00:30:27) Manons & Demians Anfänge in der Wissenschaft (00:34:10) Verabschiedung >> Artikel zum Nachlesen: https://detektor.fm/wissen/geschichten-aus-der-mathematik-mura-yakerson

LINKS: https://linktr.ee/hmbradio & we're back. This week, the SPLC gets involved over a St. Pete restaurant suing the City for not enforcing a Florida law preventing camping and we have some thoughts. We will be back live next week on Wednesday at 6:00PM over at WillsYouTube.com Get in touch with the show and leave a voice or text message at: (813) 693-2124 or shoot me an email at thehomemadebroadcast@gmail.com The #HMB airs Sunday's on Sunshine FM 96.7 in downtown St. Petersburg & anywhere in the world at Radio St. Pete @ 6:10PM & Monday's at 10:15PM or on demand via your favorite podcast app, just search "HMBradio Tampa Bay".

In this episode, Devin and his wife Sarah sit down with cousin Taylor Kartchner and his wife, Wendy (“Saint Wendy”), to explore a life full of faith, family, and unforgettable stories. Taylor, the third of nine children, shares memories ranging from winning an “ugliest driver's license” contest to serving a mission in St. Petersburg, Russia, climbing the pyramids of Egypt, and even saving his sister Kelly from a dangerous fall while mountain climbing. We also hear about his entrepreneurial journey running a window-washing business and his unexpected love for speed golf, which once took him all the way to Europe to represent the United States.Taylor and Wendy also open up about the love story that began in a Boise State ballroom dance class, a playful Red Riding Hood–style proposal, and the family life they've built with their five children. From ukulele bedtime routines to their deeply held belief in trusting Christ's plan, Taylor and Wendy offer heartfelt advice to future generations: no matter what happens, the Savior already knew and He is okay with it.Finally, Taylor shares his passion for speed golf, a sport he often plays early in the morning to stay in shape and fit in a full round in just about an hour. He describes what it was like to represent the U.S. in a European tournament while traveling with his family, and answers questions about how speed golf differs from traditional golf. It's a look into both the discipline and the joy of a game that combines endurance with precision — and why it's become one of his favorite pursuits.Support this podcast at — https://redcircle.com/my-99-cousins/donations

In this newscast: A plan to bring more high-speed electric vehicle charging stations to Alaska is back on track; A man fell into a hole in the ice on the Mendenhall Glacier Tuesday; Ships could pose a risk to seabirds migrating through Alaska's waters; Elementary reading scores in Petersburg are rising above state and national averages; The Arctic Research Consortium is shutting down after funding cuts

Over the past 3 decades, Florida's oyster population has declined massively. So much so, that there has been a 5-year ban of harvesting oysters in America.On top of this, wild oysters are functionally extinct around the world.Professor Heather O'Leary, a Professor of Anthropology at St. Petersburg's University wanted to bring this to light in a way that everyone could understand: through jazz!She joins Seán to discuss.

Auf dem Weg nach Bulgarien ist bei einem Flugzeug mit der EU-Kommissionspräsidentin am Sonntag das GPS ausgefallen. Grund waren wohl Störsignale. Das kommt nahe Russland regelmäßig vor. Das bestätigt auch Thomas Borchert, Chefredakteur von Aero International, im Gespräch mit SWR Aktuell-Moderator Andreas Böhnisch. "Es gibt offenbar zwei große, russische Störsender für GPS - einen in Kaliningrad, einen in St. Petersburg - und die stören den gesamten östlichen Ostseeraum", sagt Borchert. Betroffen sei auch der Schiffsverkehr. Ein GPS-Ausfall sei aber kein Grund zur Panik. Es gebe mehrere Alternativsysteme, auf die Pilotinnen und Piloten zurückgreifen können: "Es gibt auch bodengestützte Navigationsverfahren, Peilsender am Boden, die das Flugzeug nutzt, und darauf kann man eigentlich immer ausweichen." Im Zweifelsfall habe aber auch jedes Flugzeug analoges Kartenmaterial an Bord.

Some houses never let go of the energy left behind when a life is cut short. When a listener was just ten years old, their mother moved the family yet again—this time into what looked like the perfect home in a “nicer” neighborhood of Petersburg, Ontario. At first, it seemed like a fresh start. But very quickly, shadows, sounds, and an overwhelming sense of unease made it clear this house had secrets of its own. The basement was finished, open, and bright—yet no one would go down there willingly. Even their fearless mother avoided it except when forced to do laundry. One day, the children saw an opaque white shadow walk directly in front of the fireplace and vanish. Even stranger, the old barn-style laundry room door—heavy and dragging on the carpet—was seen closing by itself, a physical impossibility without human force. Upstairs, footsteps echoed down the hallway from empty rooms, often during after-school homework sessions. The listener would hold their breath, sure an intruder was coming, only to find nothing. Then came the night that has haunted them for twenty-five years. While taking a bath alone, they heard the deafening crash of what sounded like a large man collapsing onto the hardwood floor in their mother's bedroom. Frozen in fear, they locked both bathroom doors and waited until their mother came home. She dismissed it as “something falling,” but the child knew better. Years later, the truth came out: a tenant had died in that very bedroom, collapsing from a fatal heart attack before the family moved in. The “death house” had been offered at a bargain price. Looking back, the listener believes the sound they heard was a terrifying playback of that man's final moments, echoing through the walls of the home. Some hauntings linger not to scare—but to replay a death that the house itself cannot forget. #RealGhostStories #DeathHouse #OntarioHaunting #BasementShadows #FootstepsInTheHall #BathTimeTerror #SpiritEchoes #HauntedHome #ParanormalExperiences #GhostPodcast Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

LINKS: https://linktr.ee/hmbradio & we're back. This week, Taylor Swift and the Chiefs Tight End are engaged. Florida DOT advised St. Pete that murals on the road need to be painted over and all the right people are mad about it. We will be back live next week on Wednesday at 6:00PM over at WillsYouTube.com Get in touch with the show and leave a voice or text message at: (813) 693-2124 or shoot me an email at thehomemadebroadcast@gmail.com The #HMB airs Sunday's on Sunshine FM 96.7 in downtown St. Petersburg & anywhere in the world at Radio St. Pete @ 6:10PM & Monday's at 10:15PM or on demand via your favorite podcast app, just search "HMBradio Tampa Bay".

A. Wilson Greene, author of "A Campaign of Giants: The Battle for Petersburg, Vol. 2: From the Craters Aftermath to the Battle of Burgess Mill"

In this newscast: Juneau's Back Loop Bridge is now open again for traffic two weeks after suffering damage from Juneau's record-breaking glacial outburst flood; Petersburg's school buildings and surrounding area were on lockdown for over an hour yesterday afternoon after police received a false report of a person with an AR-15 gun in a school bathroom; Gov. Mike Dunleavy's 30-day special session ends this weekend, and lawmakers don't plan to meet at the Capitol again; The Juneau School District Board of Education unanimously accepted nearly $120,000 in grant funding for one of its alternative schools; Southeast Alaska's regional tribe is calling for the City and Borough of Sitka to reverse a decision denying the construction of a tall tower in a neighborhood; A new app could alert Nome residents when people go missing

#MarekBennett #FreemanColby #GraphicHistory #CivilWarComics #Vol4Preview #ComicsWorkshop #StorycomicPresents #HistoryInPanels #VisualHistory #WebcomicAuthor In this latest episode of Storycomic Presents, I'm thrilled to welcome back Marek Bennett to talk about Freeman Colby Vol. 4, now in progress and due summer 1864. Marek walks us through how he transforms Civil War diaries, letters, and sketches into vivid graphic storytelling—from Cold Harbor to the Siege of Petersburg and the Battle of the Crater. We'll also revisit previous volumes, the mix of live‑draw comic demos, and how his award-winning blend of comics, music, and history inspires both readers and classrooms. Follow Marek's Kickstarter at:  https://www.kickstarter.com/projects/marekbennett/freeman-colby-vol-4?ref=7dr9jm  Follow Marek's work at:  https://marekbennett.com   The Title sequence was designed and created by Morgan Quaid. See more of Morgan's Work at: https://morganquaid.com/   Storycomic Logo designed by Gregory Giordano See more of Greg's work at: https://www.instagram.com/gregory_c_giordano_art/   Want to start your own podcast?  Click on the link to get started: https://www.podbean.com/storycomic   Follow us: Are you curious to see the video version of this interview?  It's on our website too! www.storycomic.com www.patreon.com/storycomic www.facebook.com/storycomic1 https://www.instagram.com/storycomic/ https://twitter.com/storycomic1 For information on being a guest or curious to learn more about Storycomic? Contact us at info@storycomic.com   Thank you to our Founders Club Patrons, Michael Winn, Higgins802, Von Allan, Stephanie Nina Pitsirilos, Marek Bennett, Donna Carr Roberts, Andrew Gronosky, Simki Kuznick, and Matt & Therese. Check out their fantastic work at: https://marekbennett.com/ https://www.hexapus-ink.com/ https://www.stephanieninapitsirilos.com/ https://www.vonallan.com/ https://higgins802.com/ https://shewstone.com/ https://www.simkikuznick.com/ Also to Michael Winn who is a member of our Founders Club!

We're excited to welcome back estate planning attorney Bill McQueen of Legacy Protection Lawyers! This episode dives into common estate planning mistakes, the nuances of trusts versus wills, and strategies to protect your assets and heirs. From funding trusts correctly to understanding step-up in basis, Medicaid planning, and safeguarding inheritances from creditors, Bill breaks down complex topics in a clear, practical way.   Learn more about Bill and Legacy Protection Lawyers Contact info: www.legacyprotectionlawyers.com Phone 727-471-5868   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.   Marc: It's time once again for another edition of Retirement Planning Redefined with John and Nick, Financial advisors at PFG Private Wealth. Find them online at pfgprivatewealth.com. That's pfgprivatewealth.com. And we're excited to have our guest speaker, Bill McQueen, back with us to continue our conversation about estate planning, and trusts, and probate, and all these pieces that we need when it comes to our retirement strategies. And, of course, Bill is from Legacy Protection Lawyers based out of St. Petersburg, Florida, and we appreciate your time once again. Bill, welcome in. How are you?   Bill McQueen: Doing wonderful. Thank you.   Marc: Absolutely. Good to have you back. Nick, my friend. What's going on this week? You doing all right?   Nick: Oh, yeah, just fighting the Florida heat.   Marc: Well, if you picked Florida, right, it's hot.   Nick: I will lose. Yeah, I will lose, for sure.   Marc: I mean, versus Buffalo, right? You got your choice there.   Nick: Yeah. Rochester, yeah, close enough. But, yeah-   Marc: Oh, yeah. Okay.   Nick: ... for sure. This time of year, I'd rather be there, but it's understandable.   Marc: Par for the course? All right, I got you. Well, we're happy to have Bill back. And, of course, if you guys have questions about estate planning, definitely reach out to he and his team at LegacyProtectionLawyers.com. That's LegacyProtectionLawyers.com. And Bill, we were talking a lot about, obviously, trusts and funding them, and all the different kind of pieces that go in there. So, on this final episode, this part four of the series, we want to talk about some of the common mistakes and things that you guys see as professionals, then try to help people avoid these or highlight some of the things. So, we talked as we finished off about the funding issue of a trust. What are some other common mistakes that you tend to see?   Bill McQueen: First off, I would say it might not be considered a common mistake, but a common misconception. A lot of people who think that, "Well, hey, I've created this revocable trust, and so my assets aren't in my individual name. Now they're held by my trust. And so, if something were to happen and I were to be sued, for some reason, my wealth is protected inside this trust." And unfortunately, that's not the case with a revocable trust. Again, the revocable trust just acts as a substitute for your last will and testament. And because the person who creates it has so much control over those assets, they can do anything they want with those assets. If somebody were to sue them, there'd be a lawsuit of some sort, and a judgment was entered against that person who created that trust. Those creditors can get at those assets that are inside the revocable trust no differently than if they were held in the person's individual name. So, that's something that we always need to advise clients that they're well aware of. There may be other ways to protect their wealth from creditors, but putting them in a revocable trust does not give them credit or protection from that standpoint.   The other thing that comes up fairly frequently is, I have real estate, and should I put it in my revocable trust or not? If that real estate is something that's not your primary home or your residence here in Florida, we would definitely say do that, and especially if the clients own real estate outside the state of Florida. They might have a vacation home in North Carolina or something like that. If they own that home in their individual name and they die, and we're using a will-based plan, not only are we going to have to do a probate administration down here in the state of Florida, but we're also going to have to do one in the state of North Carolina as well, a second one, because each state's very protective of their real estate. Whereas if they go ahead and deed that real estate into the revocable trust, then we avoid probate both in Florida and in North Carolina.   The issue, though, as to the primary residence, because under Florida law or Constitution, that's considered your homestead, and there are certain benefits that come from that, like a tax break, and it makes your home creditor protected, there are some restrictions on where your homestead can go, who can get it after your death if you're survived by a spouse or minor children. And so, that comes into play as to can we put that home into the revocable trust? And it used to be we would usually advise people not to do that if they're married because of these restrictions that were involved. Now we can do it if it's done properly, but there needs to be some special waiver language and things that are included in the deed. And unfortunately, if somebody puts it into their trust and they don't do the deed properly, then when they die, it's considered what we call an invalid devise. And that home may be going to people other than where they wanted it to go underneath the terms of their trust. So you can do it, and we do it for clients, but you definitely want to make sure you're getting good advice when you're setting something up like that.   Nick: Yeah, I would say that's one of the most common questions that people have. Oftentimes, what leads people to act, obviously, hopefully, it's from working with advisors and stuff like that, but people talk amongst themselves. A lot of times, it's friend or family that are like, "Hey, my brother just retired and they got a trust put into place. Do you think I should do something like that?" And sometimes, the answer's like, "Well, hey, we've been telling you to do it for the last 10 years. But also, yes, there's things that can make sense to do, but you need to make sure that you work with somebody to understand the nuances." Because I would say one of the most common mistakes that people make is when they do talk with their peers, siblings, etc., that oftentimes they don't understand the dynamics between the differences of their situations. And so, somebody like Bill and the people at Bill's team can help walk them through how that works. And the majority of people, no matter what the situation is, when they're working with an advisor or an attorney, they have some sort of real estate holding, and so that's often one of the most common questions.   Marc: Yeah. No, it makes sense. With you asking that and talking about that, Nick, Bill, what's your thoughts on people who say, "Well, who should draft this?" Right? Or, "Can I just go on to one of these, for lack of a better term, robo-advisors or robo-lawyers?" Right? I mean, you should be sitting down with an attorney in your area because state to state, law is probably a little bit different. I'm sure there's some things that are probably the same from place to place, but you want to make sure you're getting advice on your specific situation, not one of these cookie-cutter type deals.   Bill McQueen: No, a really good point. Estate planning is specific per the state where you're residing, and that's the laws that will apply at the time of your death, so it is important that you're talking to an attorney who is licensed in that particular state where you live. But I would definitely advise against a do-it-yourself estate plan.   Marc: Right.   Bill McQueen: And there are a lot of, especially with the internet nowadays, various online programs where you can draft your own will or trust. The big problem with that is you'll never know if you're the drafter of a do-it-yourself will or trust, whether you did it right, because we won't know that. We won't implement it until after your death.   Marc: And you won't know until it's too late. Well, it's too late for you, obviously, but your heirs are suffering. Right?   Bill McQueen: So, if there's problems with it, we can't go back and correct it or change it. So that's very important. I also always tell people it would be ... I highly recommend you go to somebody who specializes in the area of trust and estates planning. You wouldn't want me to handle a criminal law matter for you, and you probably don't want a criminal lawyer to try to draft your will or trust.   And just to show you what the problems can be, as recently as within the last decade here in our state of Florida, our Florida Supreme Court had a case, that's our highest court here in Florida, where a lady drafted her own will. Actually, I think it was pre-internet. It was a form will or whatnot, but she left out of that will what we call the residuary provision, which is where the remainder of her estate goes, and that's where the bulk of her estate would go. And it was very clear, the court said, that her intentions were to leave it to her sister, but that's not what the will said. It was done improperly. And so the wealth went to someone else, and the court said they felt really bad about that, but they have to go with what the will said. And the will was validly executed and everything. It just wasn't properly constructed, and so, unfortunately, her estate went somewhere other than where she wanted it to go, and we don't want that to happen.   Marc: Yeah. In a world where we can turn to the internet for so much stuff, there's just certain areas where I feel like it's just not a good idea. Right? Legally has got to be one of those. It's got to be the tops for a lot of those things. Nick, what else?   Nick: Yeah. And these things tie together a little bit. I was having a conversation with a client the other day, and I've seen this in other instances, where clients in their 40s, the parents of the clients are in their 70s, and there's some concern on future healthcare planning. And from the standpoint of the transition potentially to Medicaid and/or titling assets, whether it's a home, whether it's other types of assets like investments, so obviously non-retirement, putting the kids on accounts to try to protect those assets per se and the future inheritance while somebody to qualify. Now, I know this is a long, convoluted thing, but I guess, just in general, especially in the state of Florida, maybe helping people understand is that primary homestead residence protected and/or just the definition or an explanation of step up in cost basis and how big of a deal that can be to somebody down the road. I know it's a lot there, so break it up and down, whatever.   Bill McQueen: That was a lot, Nick. The issue regarding Medicaid, what I would say there is if we have clients where somebody, a parent, has maybe been diagnosed with early onset of dementia or something like that, so there's a high likelihood that they are going to need long-term care in the future. When that arises, they'd like to qualify for Medicaid as soon as possible. We can help them do that through using a trust. It's an irrevocable form of a trust where we can move assets that otherwise would be what we call countable assets, meaning that the government says you have to spend those assets first before Medicaid will take over and start paying for the long-term care. And we can move them into this irrevocable trust so that when they do reach that stage that they need the long-term care, hopefully, they can qualify right away. And this wealth that's in this trust will then ultimately still be there and able to go on to their kids rather than go to pay for the nursing home care.   That, though, has to be done well in advance of qualifying for Medicaid or trying to, basically, five years in advance. So, this is definitely a very proactive, forward-looking planning-type procedure. And it's not something that can be done once they need to get on Medicaid right away or on the near-term standpoint from that part of the equation. Here's my basic advice. Whether it's Medicaid or anything else, people will say, "Hey, well, what I'm going to do, I'm going to put my children's names on accounts with me in joint names, so one, they can maybe help pay my bills and stuff like that. Two, when I die, that asset will just pass by operational law to my child, so it won't go through the probate process, and I don't have to worry about probate."   I highly advise clients typically not to do that. One: when you put your child's name on that account with you jointly, at least as to regards to the bank or the brokerage house, that child now has the right to take all those funds that are in that account. Hopefully, they won't do that while you're still alive, but that could possibly happen. But two, the child might get sued or go through a divorce, and somebody else now might be trying to take those funds that are in the parent's account. So we would highly advise against that and instead, let that child maybe be given a durable power of attorney that I think Nicole spoke with you about in one of the earlier episodes so that they can help pay bills and do stuff like that, but they have no ownership rights in those accounts that maybe somebody else could get at those accounts that the parents will need before their death.   One big thing for estate tax or death tax planning purposes, the amount of wealth now that people can leave at their death or give away during their lifetime is at an all-time high watermark. Very few people pay federal estate taxes anymore, less than one-tenth of 1% of the US population. And here in Florida, as a Florida resident, all we're concerned about is the federal estate tax laws. So, instead, what we focus on is income tax planning for our clients. And so it would be much better for actually those parents not to, for instance, give away assets before they die to their children because what happens is if the parents die owning assets that have a lot of appreciation in them, that's been unrealized, and by example, maybe they've got a house that they bought for $200,000 30 years ago that today is worth a couple of million dollars here in Florida, if they give that house away to the child before their death, the child gets what we call a basis in that asset that's a carryover basis. It's equal to the $200,000 the parents paid for it.   And so, if the children ever sell that house, maybe after the parents die, they're going to have to recognize income tax or capital gains tax on that million eight of gain. If instead they hold onto the home, the parents, and when they die, they leave it to the children, that home then gets a step-up in basis for income tax purposes to what the house is worth at the time of the parent's death, the $2 million. So if the children sell the house soon after their parent died, they're going to pay no income tax, no capital gains tax, they get the full $2 million, and Uncle Sam doesn't take any of it in the form of income taxes. So, it's very important that people be cognizant of what the potential income tax effects could be if they're talking about giving away assets prior to their death versus holding onto them and passing them to their beneficiaries after death.   Marc: Yeah, tax efficiency, right? It's just as important when we're no longer here, and our heirs would certainly appreciate that as well. Any final thoughts or anything that I didn't cover, Bill, that you'd like to share with folks when it comes to estate planning in general and what you guys do at your firm?   Bill McQueen: Sure. I guess one thing I would just mention, and we've talked a lot about probate avoidance, but with a trust, a trust can do a whole lot more. And I guess I would just give one example. It's not uncommon for us to have families nowadays that are often blended families, so it's a married couple and they have children from earlier marriages. For those of my generation that grew up watching The Brady Bunch, a family like that. And by using a trust properly, what usually most married couples want to do, one thing we don't know from an estate planning standpoint which spouse is going to die first. And usually, the spouses want to make sure the surviving spouse is well taken care of for his or her remaining lifetime, and then the assets go down to all of their children from both sides of the family.   So, one way to do that is just when the first spouse dies, they leave everything outright to the surviving spouse, with the hope and understanding they're going to leave everything to all six children in this example. But what can happen is when they do that and they leave the assets to the surviving spouse, that now becomes his or her assets. And again, they can change their estate plan after that first spouse died. Instead, what can be done through that revocable trust is we leave assets into a new trust, a marital trust for the benefit of that surviving spouse, so he or she's well taken care of for the rest of their life, but that trust, that marital trust, is irrevocable. And so, the first spouse to die knows their surviving spouse is going to be well taken care of, but they also know when the surviving spouse dies, where the assets are going to go, and it's locked in that it will go to their children as well and not just maybe the surviving spouse's children.   And then the last thing I would say is when we pass the assets to the children, often, most people think the easiest thing is just to leave assets to the children outright. And that can be done that way, but it's often not the most effective. Often, nowadays, we will leave the assets to the children in a trust, and we'll let the children be the trustee of their own trust so they get their share of the inheritance. They have it in their own trust that they're the trustee of, but this type of trust does give that child asset protection. So, if the child ever gets sued during their lifetime, be it age 25 or 85, a creditor can't get at the inheritance inside that trust.   Also, if the child is married or gets married and unfortunately goes through a divorce, their former spouse has no rights to the assets inside this trust either, because legally, the child does not own those assets individually. They're owned by this trust that the child controls and the child's the primary beneficiary of, but it's insulated from what I'll call bad people being able to get at their inheritance from that standpoint. So, that's really how we try to protect that inheritance and pass it down to the people we want and keep those creditors and predators away from their inheritance from that standpoint.   Marc: Got you. Yeah. I'll ask you this final question, and I set Nicole up with this as well. Just in general, I think, mindsets have changed through the years, but people often, many years ago, thought, "Well, you have to be really wealthy to A, have a financial advisor, and B, have a trust. You must be a Rockefeller or something like that." And that's just not the case anymore. So, are you seeing more people starting to realize or understand that this could be a useful tool for them in working with someone, and not just something for the ultrarich?   Bill McQueen: Oh, definitely. We serve clients of all different sizes and net worths, and I tell my clients there is no bright line test as to when it makes sense to have a trust as your primary estate planning document versus a will. But if I had to use a rule of thumb, I would say if somebody has assets that are over a couple of hundred thousand dollars, it probably is more beneficial to use a trust as the primary estate planning document rather than a will because, again, looking back to my youth, there used to be a commercial, the Fram oil filter commercial, that they always said, "Pay me now or pay me later."   Marc: Right, yeah.   Bill McQueen: Yes, putting a trust-based plan into place is probably more expensive than a will-based plan, but it's not that much more expensive, and all the benefits you get far exceed the cost of when they do die, what it's going to cost going through the probate process. So, just looking at it from a cost factor alone, I would say most anybody would pretty much benefit from having a trust-based plan versus a will-based plan.   Marc: Bill, does that include the home value as well? Obviously, those have skyrocketed the past few years, so it'd be pretty easy to get to a couple of hundred grand.   Bill McQueen: It would, yes. And I would include the home value in that as well, yes.   Marc: Okay. All right, Nick, any final thoughts from you before we go?   Nick: Really, I think the takeaway, and a lot of things have been pointed out, and something that we try to emphasize with people, whether it's financial planning, whether it's legal planning, is that strategy and how just a couple of decisions can make a dramatic impact on somebody's overall situation and plan. Oftentimes, and Mark, you alluded to it, where people, for many years, had this perception of, whether it's an advisor or an attorney, it's something that only people with really substantial amounts of money have. And if anything, people with substantial amounts of money, they have a bigger buffer. You know what I mean? And can make more mistakes and recover, but really, a handful of decisions for a typical client that's worked hard their whole life, saved a whole bunch, paid off their house, want to enjoy their retirement and hopefully pass on some money to their kids, they can really benefit from strategy planning and adapting to what's going on.   Marc: Yeah. For lack of a better term, Middle America, right? I mean, a lot of folks in Middle America could certainly use a team, a financial and legal team. And so, if you need some help, reach out to, of course, Bill and Nicole and their team there at Legacy Protection Lawyers. That's LegacyProtectionLawyers.com. That's where you can find them online, Legacyprotectionlawyers.com, or call 727-471-5868. We'll put a link in the show descriptions of this week's podcast as well. And you can also, as always, go to Pfgprivatewealth.com to get in touch with John and Nick. Don't forget to subscribe to the podcast, Retirement Planning Redefined, on Apple, or Spotify, or whatever podcasting app you enjoy using. Bill, thank you so much for your time. Great information. We really enjoyed having you here.   Bill McQueen: Thanks for having me, Mark and Nick, appreciate it very much. Enjoy it.   Nick: Thanks, Bill.   Marc: And we'll see you next time here on Retirement Planning Redefined with John and Nick.

Our analysts Adam Jonas and Alex Straton discuss how tech-savvy young professionals are influencing retail, brand loyalty, mobility trends, and the broader technology landscape through their evolving consumer choices. Read more insights from Morgan Stanley.----- Transcript -----Adam Jonas: Welcome to Thoughts on the Market. I'm Adam Jonas, Morgan Stanley's Embodied AI and Humanoid Robotics Analyst. Alex Straton: And I'm Alex Straton, Morgan Stanley's U.S. Softlines Retail and Brands Analyst. Adam Jonas: Today we're unpacking our annual summer intern survey, a snapshot of how emerging professionals view fashion retail, brands, and mobility – amid all the AI advances.It is Tuesday, August 26th at 9am in New York.They may not manage billions of dollars yet, but Morgan Stanley's summer interns certainly shape sentiment on the street, including Wall Street. From sock heights to sneaker trends, Gen Z has thoughts. So, for the seventh year, we ran a survey of our summer interns in the U.S. and Europe. The survey involved more than 500 interns based in the U.S., and about 150 based in Europe. So, Alex, let's start with what these interns think about fashion and athletic footwear. What was your biggest takeaway from the intern survey? Alex Straton: So, across the three categories we track in the survey – that's apparel, athletic footwear, and handbags – there was one clear theme, and that's market fragmentation. So, for each category specifically, we observed share of the top three to five brands falling over time. And what that means is these once dominant brands, as consumer mind share is falling – and it likely makes them lower growth margin and multiple businesses over time. At the same time, you have smaller brands being able to captivate consumer attention more effectively, and they have staying power in a way that they haven't necessarily historically. I think one other piece I would just add; the rise of e-commerce and social media against a low barrier to entry space like apparel and footwear means it's easier to build a brand than it has been in the past. And the intern survey shows us this likely continues as this generation is increasingly inclined to shop online. Their social media usage is heavy, and they heavily rely on AI to inform, you know, their purchases.So, the big takeaway for me here isn't that the big are getting bigger in my space. It's actually that the big are probably getting smaller as new players have easier avenues to exist. Adam Jonas: Net apparel spending intentions rose versus the last survey, despite some concern around deteriorating demand for this category into the back half. What do you make of that result? Alex Straton: I think there were a bit conflicting takes from the survey when I look at all the answers together. So yes, apparel spending intentions are higher year-over-year, but at the same time, clothing and footwear also ranked as the second most category that interns would pull back on should prices go up. So let me break this down. On the higher spending intentions, I think timing played a huge role and a huge factor in the results. So, we ran this in July when spending in our space clearly accelerated. That to me was a function of better weather, pent up demand from earlier in the quarter, a potential tariff pull forward as headlines were intensifying, and then also typical back to school spending. So, in short, I think intention data is always very heavily tethered to the moment that it's collected and think that these factors mean, you know, it would've been better no matter what we've seen it in our space. I think on the second piece, which is interns pulling back spend should prices go up. That to me speaks to the high elasticity in this category, some of the highest in all of consumer discretionary. And that's one of the few drivers informing our cautious demand view on this space as we head into the back half. So, in summary on that piece, we think prices going higher will become more apparent this month onwards, which in tandem with high inventory and a competitive setup means sales could falter in the group. So, we still maintain this cautious demand view as we head into the back half, though our interns were pretty rosy in the survey. Adam Jonas: Interesting. So, interns continue to invest in tech ecosystems with more than 90 percent owning multiple devices. What does this interconnectedness mean for companies in your space? Alex Straton: This somewhat connects to the fragmentation theme I mentioned where I think digital shopping has somewhat functioned as a great equalizer in the space and big picture. I interpret device reliance as a leading indicator that this market diversification likely continues as brands fight to capture mobile mind share. The second read I'd have on this development is that it means brands must evolve to have an omnichannel presence. So that's both in store and online, and preferably one that's experiential focus such that this generation can create content around it. That's really the holy grail. And then maybe lastly, the third takeaway on this is that it's going to come at a cost. You, you can't keep eyeballs without spend. And historical brick and mortar retailers spend maybe 5 to 10 percent of sales on marketing, with digital requiring more than physical. So now I think what's interesting is that brands in my space with momentum seem to have to spend more than 10 percent of sales on marketing just to maintain popularity. So that's a cost pressure. We're not sure where these businesses will necessarily recoup if all of them end up getting the joke and continuing to invest just to drive mind share. Adam, turning to a topic that's been very hot this year in your area of expertise. That's humanoid robots. Interns were optimistic here with more than 60 percent believing they'll have many viable use cases and about the same number thinking they'll replace many human jobs. Yet fewer expect wide scale adoption within five years. What do you think explains this cautious enthusiasm? Adam Jonas: Well actually Alex, I think it's pretty smart. There is room to be optimistic. But there's definitely room to be cautious in terms of the scale of adoption, particularly over five years. And we're talking about humanoid robots. We're talking about a new species that's being created, right? This is bigger than just – will it replace our job? I mean, I don't think it's an exaggeration to ask what does this do to the concept of being human? You know, how does this affect our children and future generations? This is major generational planetary technology that I think is very much comparable to electricity, the internet. Some people say the wheel, fire, I don't know. We're going to see it happen and start to propagate over the next few years, where even if we don't have widespread adoption in terms of dealing with it on average hour of a day or an average day throughout the planet, you're going to see the technology go from zero to one as these machines learn by watching human behavior. Going from teleoperated instruction to then fully autonomous instruction, as the simulation stack and the compute gets more and more advanced. We're now seeing some industry leaders say that robots are able to learn by watching videos. And so, this is all happening right now, and it's happening at the pace of geopolitical rivalry, Sino-U.S. rivalry and terra cap, you know, big, big corporate competitive rivalry as well, for capital in the human brain. So, we are entering an unprecedented – maybe precedented in the last century – perhaps unprecedented era of technological and scientific discovery that I think you got to go back to the European and American Enlightenment or the Italian Renaissance to have any real comparisons to what we're about to see. Alex Straton: So, keeping with this same theme, interns showed strong interest in household robots with 61 percent expressing some interest and 24 percent saying they're very or extremely interested. I'm going to take you back to your prior coverage here, Adam. Could this translate into demand for AI driven mobility or smart infrastructure? Adam Jonas: Well, Alex, you were part of my prior coverage once upon a time. We were blessed with having you on our team for a year, and then you left me… Alex Straton: My golden era. Adam Jonas: But you came back, you came back. And you've done pretty well. So, so look, imagine it's 1903, the Wright Brothers just achieved first flight over the sands at Kitty Hawk. And then I were to tell you, ‘Oh yeah, in a few years we're going to have these planes used in World War I. And then in 1914, we'd have the first airline going between Tampa and St. Petersburg.' You'd say, ‘You're crazy,' right? The beauty of the intern survey is it gives the Morgan Stanley research department and our clients an opportunity to engage that surface area with that arising – not just the business leader – but that arising tech adopter. These are the people, these are the men and women that are going to kind of really adopt this much, much faster. And then, you know, our generation will get dragged into it eventually. So, I think it says; I think 61 percent expressing even some interest. And then 24 [percent], I guess, you know… The vast majority, three quarters saying, ‘Yeah, this is happening.' That's a sign I think, to our clients and capital market providers and regulators to say, ‘This won't be stopped. And if we don't do it, someone else will.' Alex Straton: So, another topic, Generative AI. It should come as no surprise really, that 95 percent of interns use that tool monthly, far ahead of the general population. How do you see this shaping future expectations for mobility and automation? Adam Jonas: So, this is what's interesting is people have asked kinda, ‘What's that Gen AI moment,' if you will, for mobility? Well, it really is Gen AI. Large Language Models and the technologies that develop the Large Language Models and that recursive learning, don't just affect the knowledge economy, right. Or writing or research report generation or intelligence search. It actually also turns video clips and physical information into tokens that can then create and take what would be a normal suburban city street and beautiful weather with smiling faces or whatever, and turn it into a chaotic scene of, you know, traffic and weather and all sorts of infrastructure issues and potholes. And that can be done in this digital twin, in an omniverse. A CEO recently told me when you drive a car with advanced, you know, Level 2+ autonomy, like full self-driving, you're not just driving in three-dimensional space. You're also playing a video game training a robot in a digital avatar. So again, I think that there is quite a lot of overlap between Gen AI and the fact that our interns are so much further down that curve of adoption than the broader public – is probably a hint to us is we got to keep listening to them, when we move into the physical realm of AI too. Alex Straton: So, no more driving tests for the 16-year-olds of the future... Adam Jonas: If you want to. Like, I tell my kids, if you want to drive, that's cool. Manual transmission, Italian sports cars, that's great. People still ride horses too. But it's just for the privileged few that can kind of keep these things in stables. Alex Straton: So, let me turn this into implications for companies here. Gen Z is tech fluent, open to disruption? How should autos and shared mobility providers rethink their engagement strategies with this generation? Adam Jonas: Well, that's a huge question. And think of the irony here. As we bring in this world of fake humans and humanoid robots, the scarcest resource is the human brain, right? So, this battle for the human mind is – it's incredible. And we haven't seen this really since like the Sputnik era or real height of the Cold War. We're seeing it now play out and our clients can read about some of these signing bonuses for these top AI and robotics talent being paid by many companies. It kind of makes, you know, your eyes water, even if you're used to the world of sports and soccer, . I think we're going to keep seeing more of that for the next few years because we need more brains, we need more stem. I think it's going to do; it has the potential to do a lot for our education system in the United States and in the West broadly. Alex Straton: So, we've covered a lot around what the next generation is interested in and, and their opinion. I know we do this every year, so it'll be exciting to see how this evolves over time. And how they adapt. It's been great speaking with you today, Adam. Adam Jonas: Absolutely. Alex, thanks for your insights. And to our listeners, stay curious, stay disruptive, and we'll catch you next time. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Tonight, on Trackside with Curt Cavin and Kevin Lee, Kevin starts the show talking about a barnburner of a race from Milwaukee with Christian Rasmussen earning his first career win, passing Alex Palou with fresher tires. Kevin later talks about the possibility of Alex Palou moving to the Red Bull F1 team alongside Max Verstappen. Kevin also talks about possible F2 talks for Colton Herta. In the second segment, Kevin talks more about the latest silly season updates from Prema Racing, Will Power, and charters. To wrap up the first hour of the show, Kevin talks about the launch of FOX One and a contract dispute with YouTube TV. To start the second hour of the show, Curt is joined with Eric Smith of IndyCar.com to talk recap Christian Rasmussen winning at Milwaukee, and what can Alex Palou, Scott McLaughlin, and Team Penske take away from the weekend. They later talk about how David Malukas and Conor Daly races went. In the penultimate segment, they talk about the standout moments from Alex Palou’s historic season. They later make their picks where Will Power will be at in 2026. Later, they make their picks for the season finale at Nashville. In the final segment, Kevin congratulates Parker Kligerman for “winning” once again at Daytona. Kevin later answers fan questions on X, and the NASCAR Craftsman Truck Series joining IndyCar at St. Petersburg in 2026.See omnystudio.com/listener for privacy information.

Marcia Morgan of St. Petersburg, FL actually got arrested for this. Police found her decorating a neighbor's car with toilet paper while dressed as a giant hot dog. Yes, alcohol was involved.See omnystudio.com/listener for privacy information.

In this inspiring episode of Life Along the Streetcar, guest host Brittany Battle sits down with Ricky Hunley — College Football Hall of Famer, two-time consensus All-American, and the highest draft pick in University of Arizona history. Ricky opens up about his humble beginnings in Virginia, how a twist of fate (and some sunny Tucson weather) led him to Arizona, and how his time as a Wildcat shaped not just his career, but his life. From the challenges of being a homesick freshman to suiting up against top-ranked teams — this is a story of perseverance, pride, and the power of community. Now back at UArizona, Ricky shares what it means to give back, mentor today's players, and be part of a team building toward greatness once again. Plus, he reveals what to expect this season and why Tucson's support from the stands truly makes a difference.

Post-Dispatch podcasts page: https://go.stltoday.com/0hfn43 Please consider subscribing: https://go.stltoday.com/9aigz5 During a lengthy rain delay before the finale of the Cardinals' visit to Tampa Bay, St. Louis Post-Dispatch baseball writer Derrick Goold and Tampa Bay Rays baseball writer Marc Topkin discuss transfers of power on their beats and how they contribute to a clouded forecast. In St. Louis, former Rays executive Chaim Bloom is positioned to take over as president of baseball operations in the coming month, and Topkin offers insight about the role Bloom had with the Rays, where to find his fingerprints on player development, and why he just might have the best resume possible to lead the Cardinals' front office. In Tampa Bay, the Rays are paying rent at the Yankees' spring training ballpark, George Steinbrenner Field, due to hurricana damage at Tropicana Park. The Rays feel like they're perpetually on the precipice teetertottering between having strong established roots in Tampa Bay or packing up and going to another city. New ownership may change that -- but they'll need a ballpark. They appear to have a fan base, one that owes some of its interest in baseball to the Cardinals and all the decades they spent calling St. Petersburg, Florida, home for spring training. The Best Podcast in Baseball, sponsored weekly by Closets by Design of St. Louis, is its 13th season. BPIB is a production of the St. Louis Post-Dispatch, StlToday.com, and Derrick Goold.

LINKS: https://linktr.ee/hmbradio & we're back. This week, Anna is co-hosting Kayal and Company in Philly this week so we met up on a Friday Happy Hour to drink some beers and shoot the S. We will be back live next week on Wednesday at 6:00PM over at WillsYouTube.com Get in touch with the show and leave a voice or text message at: (813) 693-2124 or shoot me an email at thehomemadebroadcast@gmail.com The #HMB airs Sunday's on Sunshine FM 96.7 in downtown St. Petersburg & anywhere in the world at Radio St. Pete @ 6:10PM & Monday's at 10:15PM or on demand via your favorite podcast app, just search "HMBradio Tampa Bay".

Tyler Brandes joins Ben Rogers to share his unique path from being a dive master in the Caribbean—working with physically handicapped individuals—to serving as a Reserve Officer with the Sparta Police Department. Originally from St. Petersburg, Florida, Tyler recounts how he met his wife in college and eventually settled in her hometown of Sparta, Tennessee. With over 30 years of diving experience, he brings a disciplined perspective to law enforcement and discusses the rigorous training and hiring process for reserve officers. He also explains the key differences between reserve and full-time officers, and why the presence of reserve personnel is essential to both the police department and the community. This episode offers an insightful look into the often-overlooked role of reserve officers and the impact they quietly make every day. Listen To The Local Matters Podcast Today! News Talk 94.1

TOP STORIES - St. Petersburg officials ask the state to preserve five iconic colorful streets. A Florida lawmaker considers banning HOAs as backlash grows. Clearwater police continue their investigation into Hulk Hogan's death. Plus, an update on the Alligator Alcatraz case, a South Florida gymnastics coach sentenced in a child sex abuse case, and Miami International named the worst airport in the world for lost luggage.

In today's Midday Report with host Brian Venua:Advocates say it's finally time to connect Alaska's largest city to communities to its north using commuter rail. Petersburg's waste water line is broken, and no one knows for how long. And a kitten cafe!Photo: An Alaska Railroad passenger excursion train at Spencer.

Диалог с Юлей о том, какая бывает зима в России — от мягкого юга до Крайнего Севера. Обсуждаем мороз, слякоть, гололёд и долгую темноту в Петербурге. Пополняем словарный запас и тренируем аудирование на уровне B1+.A dialogue about the Russian winter — regions, weather, and real-life vocabulary—from Moscow & St. Petersburg to Siberia, to boost your listening.

In this newscast: The Alaska House and Senate met today in Juneau but adjourned in less than a minute; A temporary levee in Juneau's Mendenhall Valley mostly held back record-breaking floodwaters during the glacial outburst last Wednesday, but some homes still flooded where parts of the barrier leaked; The president of the Central Council of the Tlingit and Haida Indian Tribes of Alaska returned from personal leave following accusations of misconduct that circulated widely online earlier this month; Alaska Marine Lines will no longer ship electric vehicles or plug-in hybrid vehicles to Alaska or Hawaii; Petersburg is updating its emergency plans for the first time in 15 years.

This episode, we welcome estate planning attorney Bill McQueen of Legacy Protection Lawyers to break down the essentials of trusts and why they matter. Bill explains the key differences between wills and trusts, clears up common misconceptions, and highlights the importance of properly titling assets to avoid probate. You'll also learn why beneficiary designations can override your trust, the pitfalls of leaving your trust unfunded, and how working with both financial advisors and attorneys ensures your plan truly carries out your wishes.   Learn more about Bill and Legacy Protection Lawyers Contact info: www.legacyprotectionlawyers.com Phone 727-471-5868   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Marc: Time once again for another edition of Retirement Planning - Redefined with John and Nick from PFG Private Wealth. We're continuing our conversation, our great conversation, with the folks from Legacy Protection Lawyers. Nicole Cleland was on the podcast, and Bill McQueen is going to be joining us now on this episode as we talk a little bit more in-depth about what they do, and some of the differences when it comes to getting these financial and legal documents into place. As always, Nick's here with me. Nick, my friend, how are you doing?   Nick: Doing great. How about yourself?   Marc: Doing pretty good. We had John on the last episode, so good to have you here with us, and Bill McQueen is joining us. So Bill, welcome in. Thanks for being here.   Bill: It's my pleasure. Thank you all for having me.   Marc: Absolutely. Looking forward to chatting with you. And again, you guys are from Legacy Protection Lawyers, and you can find you guys online at LegacyProtectionLawyers.com. That's LegacyProtectionLawyers.com. Give us a little background on you, Bill. You've been doing this for how long, and all that good stuff. Tell us a little bit about you first.   Bill: Certainly. Well, I've actually been an attorney for almost 40 years, but I sort of had a circuitous professional career. I was a CPA for my first few years out of undergrad and then I went back to law school, practiced law for about seven years, but then I actually ran a family business. My father died when I was getting out of law school, so I took over a family business and ran that for about 15 years, and then came back to the practice of law about 15 years ago now, after I got a Master's of Law in Estate Planning, and so that's where my full focus has been over the last 15 years or so.   Marc: Nice. Gotcha. Yeah, I mean, so obviously you've been doing this for a while, and you guys work with Nick and John, occasionally helping them out with some of their client situations as well?   Bill: Yes, yes. We work closely with Nick and John and they help our clients out with financial planning and wealth management, and we help out in the estate planning arena when his clients need that.   Marc: Nice. Nick, how long have you guys known each other?   Nick: Bill, when you said 15 years, I was thinking about that, so I think it's got to be close to 10 years, something like that? Around 10 years?   Bill: Been at least that, because I started the firm back up in, I guess, 2013, so too soon after that. I met you through your other former partner and we started doing seminars and stuff together.   Nick: Sure [inaudible 00:02:11]   Marc: We all lose time in that COVID era, right? It seems like everybody always does that. We're thinking about time and we're like, "Oh, man, there's like a three, four-year window I've lost when trying to think of some things." Well, let's get into our conversation today.   When Nicole was on, we kind of left off, Bill, where she was talking a lot about probate. She went through a lot of great topics and kind of broke some stuff down for us, needing an estate plan, what makes an effective estate plan, things of that nature. We kind of wrapped up a little bit on the probate conversation, and then we started to get into trusts, and she said you were the man when it comes to talking about trusts, so we thought we'd kind of kick things off there. So, tell us a little about what is a trust and just kind what some of the, I guess, misnomers that come with that conversation, or with that word.   Bill: Sure. Well, actually, technically or legally, a trust is actually a relationship where legal title of the assets are held by one individual or an entity for the benefit of somebody else. But I tell people, "The easiest way to think of a trust is more analogize it to like creating a corporation or a limited liability company." Again, technically it's not an entity. We typically use trusts so that, as Nicole mentioned, I'm sure during the episodes that she was on with you, a last will and testament only controls where assets that are titled in somebody's individual name go.   But in order to get those assets to the desired beneficiaries after the owner dies, we have to go through the court system to do that. And so many, if not most, of our clients instead use a substitute for a will, which is a trust, or a revocable trust, which allows us to take assets that are in somebody's individual or joint name and retitle them into this trust while they're alive so that when they die, the trust is basically still alive and it can direct where the assets go, but we don't have to get the courts involved, which obviously saves a lot of money, time, and keeps everything private.   Marc: Yeah, I think that's a big piece for people too is the difference when going through probate ... And I was telling Nicole, she said she was going to steal this from me and use it, and I said, "Hey, go ahead." But I was like, I was always taught that a will just means you will go through probate, and she's like, "Oh, I like that." And obviously that's public record, whereas if you do a trust, you can kind of keep those things private from creditors and things of that nature, correct?   Bill: Yes. Oftentimes people think, "Well, I have a will, so because I have a will, I'll avoid probate," and that's not the case. It's all how the assets are titled. So, if they have a will, they're executing their privilege to sort of personalize their estate plan where assets go. Otherwise, if they have something in their individual name and they don't have a will, then Florida law basically gives them a will and says where the assets will go. But in either instance, we got to go through the court system.   With a trust, we don't, and the trust definitely does remain private, so we do not have to posit a trust instrument if things are done correctly with the court system, as we do with a will. When somebody dies, by law, at least here in Florida, whoever has their original will or comes across it is required to posit it with the court in the county where they were residing at the time of their death, and at that time it becomes a public document. So, anybody, be that the nosy neighbor or the newspapers, reporters or whoever, could go down to the courthouse and read your will, see where you're leaving your assets, maybe who you're not leaving assets to, and even get some sense of what your assets are. That's not the case when we use a revocable trust. All of that remains private.   Nick: And just for clarity, for most of the people listening, the terminology, and correct me if I'm wrong, Bill. But the most popular or frequently used sorts of trusts are either living trusts or revocable trusts, which oftentimes are the jargon or the terminology goes hand-in-hand with each other, just from the standpoint of sometimes we've had clients confused between the difference of the two, or if there is a difference between those.   Bill: Right. That's right, Nick. Actually, when we talk about trusts, there can be trusts that are revocable trust, also revocable trust, I guess potato, potato, but a trust that's revocable, which also sometimes is called a living trust or even a living revocable trust. But then there can be trusts that are irrevocable, and those are much more often used for more advanced planning type techniques, be that asset protection or estate tax minimization, or planning for nursing home care in the future, Medicaid planning.   But when most people talk about, "Oh, I have a trust as part of my estate plan," we're talking about a revocable trust. And so like a will, when somebody creates a revocable trust, they keep a lot of control over that, and they have the ability to amend the trust document at any point in time in the future. So, if they like their son-in-law today, but maybe they don't like their son-in-law somewhere down in the future, they can change the trust and take the son-in-law out. They can even revoke the trust in its entirety if they want to, and if that were to happen, the assets would come back into their individual or joint name. So, when we're typically talking about estate planning, we're talking about a revocable trust, which again is just really a substitute for a last will and testament, because it's going to direct where the assets go once you die.   When you have a revocable trust, sort of to give a little more clarity on it, typically, when someone sets up a revocable trust, the person who creates the trust serves as the trustee of the trust while they're alive. And the role of trustee is sort of similar to being the president of the corporation, if we're thinking of it like an entity, so that trustee has the authority to deal with those assets in the trust. What the trust says is that while the person who created the trust is alive, they can do anything they want with the assets in that trust, so they can consume them, they can give them away, they can put other assets in the trust, they can make loans or sell assets, just like they could if they were in their individual name.   But then the trust goes on to say, "If the person becomes incapacitated or they die, here's what happens to the assets now," and that's when we put the same types of terms that we would normally put it in their will into that trust document. And so, the fact that when they die, they don't have any assets in their individual name, hopefully they're all in this trust, or they have beneficiary designations that put them into the trust, then those assets will go to where they want them to go, but we don't have to get the court system involved again.   Marc: Gotcha. Yeah, when you started talking about that, I was going to ask you, sometimes people ... For folks who don't deal in this world, or very often, we hear about being the executor of an estate, right? Is that different when you're kind of in charge of the trust? Are those terms interchangeable, or is that different?   Bill: No, good question. The executor is the common name for who would administer a probate estate or be in charge of a probate estate if you had a will and the assets were going through the court system. Here in Florida, we call that role something else, but it's the exact same thing as an executor. We call it the personal representative of the estate.   A trustee is similar to that role of executor, but the trustee is in charge of assets that are in the trust or owned by the trust, and so they're not assets going through the probate. So, both the trustee of a trust-based plan does pretty much the same types of things when someone dies as the executor or personal representative of a estate would have to do, a probate estate, if we're using a will. And what I mean by that is, your revocable trust is responsible for paying any and all valid creditors that the deceased individual might've had at the time of their death, just like what happens with a probate system. And the trustee is also responsible to make sure that the deceased individual's, all of their tax returns have been filed and taxes have been paid, things of that nature. So, they do a lot of the same sorts of things like an executor.   But again, they're handling that initial administration outside of the court system, and so we can start right away. We're not waiting for a court to appoint the person as trustee. In fact, on the day the individual who created the trust dies, we could appoint the successor trustee on that day even, because again, we don't have to get the court involved, and we can start paying creditors and making sure all the tax returns are filed and taxes are paid, and we're not waiting on the court system to handle all this. So, things go a lot quicker and smoother from that standpoint.   Marc: Gotcha. Okay. Do you set up beneficiaries kind of the same way you would do with other things, and I guess you're putting all the different assets under the trust umbrella, and then you have beneficiaries for individual items? Or is it like an overview in the trust, if that makes sense?   Bill: I mean, what happens is, again, it sort of could mimic what's in somebody's will if they're using a will.   Marc: Okay. Gotcha.   Bill: But what happened would be ideally, we're either going to put all the assets into the trust during the person's lifetime, or there's some assets we can't put into a trust. They have to stay in the individual's name during their lifetime. The most common one for that would be retirement accounts. IRAs or 401k plans have to stay in the individual name of the owner or the participant under the plan up until their death, but we can direct those assets by a beneficiary designation into the trust once the individual dies, so we avoid the probate process by doing that.   Marc: Gotcha.   Bill: We may very well name individual beneficiaries, and occasionally, there might be specific assets that people want to leave to certain individuals, and so we would put those specific provisions in the trust document. Maybe they want to leave this house to somebody, their boat or some other piece of real estate or something of that nature. There might also be specific cash gifts they want to make. And then ultimately, we have what is typically referred to as the residuary of the estate, everything else that's left over, where does that go?   We more often use percentages of somebody's estate when we're putting together an estate plan rather than specific assets or specific dollar amounts. And the reason we advise to do that is because whenever we're doing an estate planning, I tell people, "We're taking a photograph or a snapshot of what your life looks like today, what your assets are, what the current law is, who do you want to benefit, things of that nature. But hopefully, we're not going to have to use these instruments until somewhere far out into the future, and we just don't know what your estate might look like when that day comes, your death, that we have to now implement the plan."   And if somebody is making a large gift, let's say today their estate's worth $3 million or something, and they're going to give away $1 million to somebody, and then the rest they want divided among their children. If due to healthcare or other reasons, their estate goes down in value before they die to maybe it's only $1,000,001 when they die, that individual's still going to get the million dollars, and then their children are only going to split $100,000 versus the $2 million that they thought they were going to split when they put the plan in place. If instead they use percentages rather than specific dollar amounts, then it doesn't matter as much whether their estate goes up in value or goes down in value. At least regarding the relative size of the gifts, they'll be the same, and so that's usually an approach we would prefer to take, really, than using specific dollar amounts for gifts within a trust.   Nick: And I'll jump in on that a little bit too.   Bill: Yeah, please.   Nick: Just because oftentimes, from a front line standpoint as an advisor, we're sitting with clients and they're adjusting beneficiaries. So one example of a conversation I've had with a client is, so maybe they have a 401k at a previous company and maybe it's a couple hundred thousand bucks, and they have a beneficiary listed there. And then they have a second 401k that they've had at their current employer for the past few years, and there's less money in there, and so people tend to segment accounts in their minds. And so they'll say, "Well, I'll put this other person on this one, because I have my sister or my brother or ..." on the first one.   Just them not thinking that, "Well, hey, later on in life, things may be consolidated," or you may spend from one account before you spend from another account, and using the percentage kind of strategy tends to be much more effective for people. And just to kind of jump on that beneficiary side of things too, because I know that you guys run into this and we run into it, but I think one of the things worth mentioning is, and you can kind of walk us through it more thoroughly, Bill, is just the conflict between beneficiaries listed on an account and a trust, and how one can supersede the other, because maybe somebody didn't update their beneficiaries or things like that.   Bill: Sure. When somebody dies, how assets can pass are in one of three ways, but one of the ways is by contract law, and those are assets that you can put a beneficiary designation on. And I mentioned earlier, retirement accounts are common accounts that you really need to put a beneficiary designation on. But on a lot of financial accounts, be that a bank account or a savings account or a brokerage account, if somebody wants to, they can hold that account in their individual name, but they can put a beneficiary designation on those that are referred to like a pay on death designation if it's a bank account, or a transfer on death designation if it's a securities or brokerage account. And what that means is that when the owner of that account dies, by contract law, the institution agrees to pay that account to whoever their named beneficiary is. All they have to do is take a death certificate to the institution, and that becomes that beneficiary's account.   The issue that people need to keep in mind, though, is sometimes people put beneficiary designations on assets, and yet let's say they have three children, and then through their will or their trust, they say, "When I die, I want to leave everything equally to my three kids," but for whatever reason, they put a beneficiary designation on an account that named just one of the three children. Legally, that one child will inherit that account, because that's what's going to control that account, that beneficiary designation. And it doesn't matter what their will or trust says, because it will pass outside of going through the probate process, and it also won't go through the trust if it's an account that was in their individual name with a beneficiary designation in favor of one individual.   And so, people need to make sure when they're doing their estate plan that everything lines up and is in alignment, as far as accounts, if they have beneficiary designations on them, that they agree with whatever their trust or will that they're using calls for. Or at least they have an understanding of how that's going to flow. I don't know if that's what you're referring to [inaudible 00:17:13]   Nick: Yeah, yeah, just kind of the uniformity and the importance of, I think, from the extent from how we see things, that a lot of times as an advisor we suggest to a client to get an estate plan done, and then we stand ready, willing, and able to help them implement, like retitling accounts in the name of a trust or updating beneficiaries. But there's instances where not all the accounts are through us or just different things that happen. And so that implementation, that second phase is super important, and I think people do kind of tend to assume that, well, hey, if I have my trust and I've gone through and I've done this process and I've written out exactly what I want to happen in my trust, then all my accounts should just automatically follow those rules. And I think people understanding that that's not the case, that a beneficiary designation on an account can supersede a trust, is super important, especially if it happens to be an ex-spouse or something like that, which is not a great situation. So, I just wanted to bring that up.   Marc: Okay. Yeah, that makes sense. And what we'll do is we'll do one more question here and then we'll wrap this episode up, and that way we keep these at a normal timeframe, and then we'll have Bill back on again for a continuing session to chat some more about this topic. One of the things I was going to ask you when you guys were running through some of this stuff, and I've heard this before from other advisors, that a common mistake is that you go through the time and the effort to get a trust put together, Bill, and then people don't fund the trust. Can you kind of explain what that means?   Bill: Right. Yes. That can be a common problem with a lot of individuals, and not with our clients, but [inaudible 00:18:53] the standpoint that some people think that, okay, I go to my attorney, they create this trust document for me that's going to avoid probate. I sign the agreement and then everything's done. That's not the case.   What happens after you create the trust, you now have to what we call fund it, which means retitle assets out of that person's either individual or joint name into the trust, or add beneficiary designations onto the assets, if they're able to use a beneficiary designation that would be in favor of the trust so that when they die, even though the account is in their individual or joint name, it automatically passes into the trust. If somebody doesn't do that, if they don't fund the trust, if they just sign the instrument, but they don't go out and retitle these various assets, then what's going to happen? They're going to die, at the time of their death, the trust doesn't have anything in it yet.   And when you have a trust-based plan, if it's done right, you're still going to have a last will and testament that we refer to as a pour-over will. That's really there to catch assets that for whatever reason were not put into the trust, or a beneficiary designation was not put on them directing them to the trust at the time of the person's death. So that pour-over will says, "Hey, when Bill dies, if we find anything in his individual name, this will's going to take that asset and pour it over into Bill's trust that will direct where the assets go." But to get that asset or assets out of Bill's name over into that trust, we got to go through the probate process to do it.   Marc: Oh, wow.   Bill: We don't want that to happen, so it's very important that when your trust is put in place, that your attorney and your financial advisors and everybody, that we have all this information. That's why we work very collaboratively with advisors like Nick and John to make sure that we've identified all their assets, and that they are titled into the trust at the time they create the trust, or they get a beneficiary designation on it.   And the way you title those assets into the trust, I tell people the rule of thumb is, if you were going to sell that asset to somebody else, how would you do it? So if it's real estate, we have to do a deed and deed it from that person's individual name into the trust. If it's a interest in a closely-held company like a corporation or an LLC, we have to do an assignment of that interest over to the trust, or a new stock certificate. If it's accounts like that Nick and John are managing, then it's very easy. They go ahead and retitle those accounts from the person's individual name into the trust. But all those steps have to be taken, because otherwise they've got this trust document that ultimately will direct where the assets go after they die, but we're going to have to go through the probate process to get the assets into that, and it sort of defeats one of the primary purposes of having a revocable trust.   Marc: Exactly, so you've got kind of like a shell with not much in it, I suppose.   Bill: Right, exactly.   Marc: Okay. Well, look, so as Bill said, a lot of times they got to work hand-in-hand, so that's the importance of a team and working with financial planners and estate planning attorneys, and so on and so forth. We talked quite a bit about that the last couple episodes. If you need some help, we're going to jump out, we'll come back in with a new episode here in about a week or so, so reach out to John and Nick, or reach out to Bill and Nicole as well. You can find Bill and Nicole at LegacyProtectionLawyers.com. That's LegacyProtectionLawyers.com. They're based out of St. Petersburg, Florida. You can check the show description. We'll have a link down there for you. Or you can also just call 727-471-5868, 727-471-5868.   And of course, if you want to talk with John and Nick, as always, don't forget to subscribe to the podcast and find them online, and all that information is at PFGprivatewealth.com. That's PFGprivatewealth.com. Nick, thanks for being here, my friend, as always, and of course, Bill, thanks for being here and being our special guest. A lot of great information and really did a great job kind of breaking that down for folks.   Bill: Thank you. I enjoyed it.   Marc: Absolutely, so we'll have you back on in about a week or so. We'll talk a little bit more about our four-part series on estate planning with John and Nick on Retirement Planning - Redefined.

Alistair Begg - one of the most recognisable voices in expository preaching - sits down with Brian Brodersen for a candid conversation on decades of ministry, recent controversies, and the hope that outshines them all.With characteristic warmth and clarity, Alistair reflects on God's faithfulness, the dangers that lead to burnout, and why the free offer of the gospel must always be extended. He responds to the storm surrounding his advice to a grandmother, shares encouragement from gospel renewal in Scotland, and explains why some empty churches should stay that way.You'll also hear the story behind the viral “Man on the Middle Cross” clip, insights on the Calvary Chapel movement, and Brian's reflections on discovering the grace of God afresh. Whether you're leading a church or seeking to grow in steadfast faith, this conversation will strengthen your resolve to run the race to the end.Recommended episodes: Danny Hyde on Long Obedience in the Same Location: https://cgnmedia.org/podcast/expositors-collective/episode/long-obedience-in-the-same-location-danny-hyde Tim Chaddick on the Preachers Priorities: https://cgnmedia.org/podcast/expositors-collective/episode/the-preachers-priorities-study-spirit-and-sustainabilityBryan Stupar on Mentoring the Next Generation of Leaders: https://cgnmedia.org/podcast/expositors-collective/episode/jesus-homer-and-the-necessity-of-mentoring-the-next-generation https://www.youtube.com/watch?v=592BE5w8Y7oJoin us August 22–23 at Calvary Chapel St. Petersburg for the nextExpositors Collective Training Weekend — a two-day, interactive eventdesigned to equip and encourage Bible teachers and preachers of allexperience levels.

The Wag Festival is one of the oldest named celebrations in Ancient Egypt, a summertime rite honoring both the death of Osiris and the memory of departed loved ones. Each year, the living gathered to share feasts with the dead with offerings of bread, beer, and beef to sustain them in the afterlife. In this episode, we'll explore the festival's connection to the Osiris Myth and uncover its traces in the archaeological record, from tomb reliefs and inscribed stone offering tables to the very first Pyramid Texts in the tomb of Unas. Along the way, you'll hear about some of the specific foods and offerings that graced these ancient tables.TranscriptsFor transcripts of this episode head over to: https://archpodnet.com/tpm/20Links and SourcesSee photos related to episode topics on InstagramLoving the macabre lore? Treat your host to a coffee!More information about the Pyramid Texts including a map of the walls of the Pyramid of Unas, resources to study more Pyramid Texts, and a complete translation of the Pyramid TextsIsis and Osiris by Plutarch free English translationRecipe for Eish Baladi (Egyptian pita)Emelʹjanov, Vladimir Vladimirovič (editor). 2021. Temporal Concepts and Perception of Time in the Ancient Orient: Proceedings of the Workshop “Calendar Festivals of the Ancient Orient” Held in St. Petersburg 20th-21th November 2020. St. Petersburg Centre for Oriental Studies Publishers, St. Petersburg.Gautschy, Rita, Michael E Habicht, Francesco M Galassi, Daniela Rutica, Frank J Rühli, and Rainer Hannig. 2017. A New Astronomically Based Chronological Model for the Egyptian Old Kingdom. Journal of Egyptian History.Hafez, Hayam, and Dalia Mohamed. 2025. An Offering Basin of Mr-Sw-Anx No. 519/1234. مجلة کلية الآثار . جامعة القاهرة 18(28):165–200.Kahl, Jochem. 2022. Manuscripts and Monuments: The Ten Contracts of Djefai-Hapi and Economies of Knowledge. Manuscript and Text Cultures (MTC) 1:83–111.Lappin, David F. Illahun Lunar Texts and the Astronomical Dating of the 12th Dynasty.Puchkov, Alexander. 2024. Sothic Dating of the Egyptian Old Kingdom. The World of the Orient 2024.Romanova, Olena. 2014. “Inscriptions from the Tomb of Metjen in the Context of Egyptian (Auto)-Biographies and Social History of the Beginning of IV Dynasty”, in Ukrainsky Istorichny Zbirnyk 2010 (Ukrainian Historical Collection). Vol. 17. Kyiv, 2014 17:6–33.Soleiman, Saleh. 2017. The Inscribed Lintel of Ptahshepses at Saqqara. The Journal of Egyptian Archaeology 103(1):103–116.Spalinger A. (2013), "Further Thoughts on the Feast of WAgj", Études et Travaux, T. XXVI, pp. 616-24.ArchPodNetAPN Website: https://www.archpodnet.comAPN on Facebook: https://www.facebook.com/archpodnetAPN on Twitter: https://www.twitter.com/archpodnetAPN on Instagram: https://www.instagram.com/archpodnetAPN ShopAffiliatesMotion

Victoria Schneider is celebrating thirty years on the ballet faculty at Harid Conservatory. She began her ballet training with Fred Danieli at the School of the Garden State Ballet in New Jersey, performing with the Company while still in her teens and danced soloist roles in a number of Balanchine ballets.At Pennsylvania Ballet, she took on various jobs: dancer, teacher, administrator, and assistant to both company founder Barbara Weisberger and artistic director Benjamin Harkarvy.  She moved to Italy to become principal teacher at La Scuola di Danza Classica in Florence.She later opened the school at Tampa Ballet while studying with Jurgen Schneider—who later became her husband—and helped him organize Russian-ballet teaching seminars across the United States and in Australia and Asia. She was accepted into the international teachers' course at the Vaganova Academy in St. Petersburg, Russia - one of only three Americans to be certified through the two-year program. In our conversation, Vicki shares about the process of becoming an educator, navigating the professional landscape of dance, and the humility it takes to be willing to grow.Learn more about Vicki and Harid Conservatory: https://harid.edu/ballet-faculty/victoria-schneider/You can learn more about dance education and career planning for dancers at theballerinatist.com

LINKS: https://linktr.ee/hmbradio & we're back. This week, We encourage Hurricane Erin to politely get bent but talk about some of the good that comes from hurricane season. We will be back live next week on Wednesday at 6:00PM over at WillsYouTube.com Get in touch with the show and leave a voice or text message at: (813) 693-2124 or shoot me an email at thehomemadebroadcast@gmail.com The #HMB airs Sunday's on Sunshine FM 96.7 in downtown St. Petersburg & anywhere in the world at Radio St. Pete @ 6:10PM & Monday's at 10:15PM or on demand via your favorite podcast app, just search "HMBradio Tampa Bay".

 It's In the News.. a look at the top headlines and stories in the diabetes community. This week's top stories: cancer reserach may lead to T1D treatment, GLP-1 oral pill moves forward, Tandem pharmacy moves, Medtronic-Abbott sensor unveield, parents of kids with T1D see income drop, Mannkind submits Afrezza for pediatrics, diabetes scholarships and more! Find out more about Moms' Night Out  Please visit our Sponsors & Partners - they help make the show possible! Learn more about Gvoke Glucagon Gvoke HypoPen® (glucagon injection): Glucagon Injection For Very Low Blood Sugar (gvokeglucagon.com) Omnipod - Simplify Life Learn about Dexcom   Check out VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Twitter Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com  Reach out with questions or comments: info@diabetes-connections.com Episode transcription with links:   Hello and welcome to Diabetes Connections In the News! I'm Stacey Simms and every other Friday I bring you a short episode with the top diabetes stories and headlines happening now. XX Cornell researchers have developed an implant system that can treat type 1 diabetes by supplying extra oxygen to densely packed insulin-secreting cells, without the need for immunosuppression. The system could also potentially provide long-term treatment for a range of chronic diseases. This lab has produced previous implantable devices that have proved effective in controlling blood sugar in diabetic mice, but they can only last so long. "It's the proof of concept. We really proved that oxygenation is important, and oxygenation will support high cell-density capsules," Tempelman said. "The capsules are immune protective and last for a long time without having some kind of fouling of the membrane. The body never likes it when you put a foreign substance in. So that's the engineering in the Ma Lab, to look for materials and coatings for the materials that are immune protective, but also don't invoke excess response from the body because of the material." The next step will be to implant the system in a pig model, and also test it with human stem cells. The researchers are interested in eventually trying to use the system for implanting different cell types in humans for long-term treatment of chronic diseases, according to Tempelman, who is CEO of Persista Bio Inc., a new startup she founded with Ma and Flanders that is licensing these technologies. https://medicalxpress.com/news/2025-08-implant-diabetes-oxygenating-insulin-cells.html XX Mayo Clinic cancer research may be big news for T1D. After identifying a sugar molecule that cancer cells use on their surfaces to hide from the immune system, the researchers have found the same molecule may eventually help in the treatment of type 1. Cancer cells use a variety of methods to evade immune response, including coating themselves in a sugar molecule known as sialic acid. The researchers found in a preclinical model of type 1 diabetes that it's possible to dress up beta cells with the same sugar molecule, enabling the immune system to tolerate the cells. The findings show that it's possible to engineer beta cells that do not prompt an immune response   In the preclinical models, the team found that the engineered cells were 90% effective in preventing the development of type 1 diabetes. The beta cells that are typically destroyed by the immune system in type 1 diabetes were preserved.     https://newsnetwork.mayoclinic.org/discussion/mayo-clinic-researchers-find-sugar-coating-cells-can-protect-those-typically-destroyed-in-type-1-diabetes/ XX A daily pill may be as effective in lowering blood sugar and aiding weight loss in people with Type 2 diabetes as the popular injectable drugs Mounjaro and Ozempic, according to results of a clinical trial announced by Eli Lilly on Thursday morning.   The drug, orforglipron, is a GLP-1, a class of drugs that have become blockbusters because of their weight-loss effects. But the GLP-1s on the market now are expensive, must be kept refrigerated and must be injected. A pill that produces similar results has the potential to become far more widely used, though it is also expected to be expensive.   Lilly said it would seek approval from the Food and Drug Administration later this year to market orforglipron for obesity and early in 2026 for diabetes. https://www.nytimes.com/2025/04/17/health/pill-glp-1-eli-lilly.html XX Use of diabetes technology has dramatically increased and glycemic control has improved among people with type 1 diabetes (T1D) in the US over the past 15 years, but at the same time, overall achievement of an A1c level < 7% remains low and socioeconomic and racial disparities have widened. These findings came from an analysis of national electronic health records of nearly 200,000 children and adults with T1D by Michael Fang, PhD, of the Department of Epidemiology, Johns Hopkins Bloomberg School of Public Health, Baltimore, and colleagues. The study was published online on August 11, 2025, in JAMA Network Open. Use of continuous glucose monitors (CGMs) increased substantially from 2009-2011 to 2021-2023, from less than 5% in both children and adults to more than 80% and over half, respectively. While A1c levels did drop over the 15 years, just 1 in 5 children and slightly over a quarter of adults achieved a level < 7%. The average A1c level stayed above 8%, with ethnic minorities and low-income patients seeing the smallest gains.       https://www.medscape.com/viewarticle/diabetes-tech-use-rise-a1c-reductions-still-lag-2025a1000lc9 XX Inflammation may predict how well people with diabetes respond to depression treatment, and the effects differ dramatically between type 1 and type 2 diabetes. Diabetes and depression often appear together. Indeed, depression is more than three times more prevalent in people with type 1 diabetes (T1D) and nearly twice as prevalent in people with type 2 diabetes (T2D). When they appear together, treatment for depression can vary widely. In a new study, researchers from the German Diabetes Center (DDZ), the Research Institute of the Diabetes Academy Mergentheim (FIDAM), and the German Center for Diabetes Research (DZD) investigated how inflammation in the body relates to improvement in depression symptoms in people with T1D and T2D. The researchers combined data from three previous German randomized clinical trials that aimed to reduce elevated depressive symptoms and diabetes distress in people with type 1 or type 2 diabetes. Diabetes distress is characterized by feelings of overwhelm, frustration, guilt and worry about diabetes management and its potential complications. A total of 332 participants with T1D and 189 with T2D who had completed both a baseline and 12-month follow-up examination were included in the present study. Measures included depression using the Center for Epidemiological Studies Depression scale (CES-D), blood tests for 76 inflammatory biomarkers, and symptoms broken down into cognitive-affective (e.g., feeling hopeless), somatic (e.g., poor sleep, fatigue), and anhedonia (loss of pleasure) clusters.   After adjusting for factors like age, body mass index (BMI), diabetes duration, cholesterol, and co-existing illnesses, the researchers found that in patients with T1D, higher baseline inflammation was linked to smaller improvements in depression. Inflammation seemed to be more connected to physical/somatic symptoms in T1D patients. In those with T2D, higher baseline inflammation was linked to greater improvements in depression. For these patients, the effect was strongest for cognitive-affective and anhedonia – so, emotional and motivational – symptoms.   The researchers weren't sure what caused the difference between T1D and T2D, but they suggest it might be due to the different forms of immune activation seen in each condition. That is, autoimmune processes in type 1 and metabolic inflammation in type 2. https://newatlas.com/health-wellbeing/inflammation-diabetes-depression-treatment/ XX Parents of children diagnosed with type 1 diabetes suffer an income drop in the years following the diagnosis. The impact is more pronounced in mothers, especially mothers of children diagnosed in preschool years. And these findings come from a European study.. not the US. Previous research has shown that parents of children with type 1 diabetes are at increased risk of stress-related symptoms and may need to reduce their working hours. "In our study, we observed reduced parental work-related incomes in the years following the child's type 1 diabetes diagnosis. The drop was larger in mothers than in fathers. Since mothers earned significantly less than fathers in absolute terms, even before the child fell ill, the relative drop in mothers was 6.6% the year following diagnosis compared to 1.5% in fathers. We further note the greatest impact on work-related incomes in mothers of children diagnosed at preschool age," says Beatrice Kennedy, physician at the Endocrine and Diabetes unit at Uppsala University Hospital and Associate Professor of Medical Epidemiology at Uppsala University, who led the study. This is a huge study, builds on data from national population and health registers and the Swedish Child Diabetes Register (Swediabkids). The study includes the parents of more than 13,000 children diagnosed with type 1 diabetes in Sweden in 1993−2014, as well as more than half a million parents in the general population who have children not diagnosed with diabetes.   The researchers observed that the maternal pension-qualifying incomes (a composite outcome including work-related income and societal benefits) initially increased after the child's diagnosis. This was attributable to mothers applying for the parental care allowance from the Swedish Social Insurance Agency. The parental care allowance was intended to compensate for disease-related loss of work-related income and contribute toward disease-specific costs.   When the research team investigated long-term effects in mothers, they found that the pension-qualifying incomes gradually decreased after eight years, and had not recovered by the end of follow-up − 17 years after the children were diagnosed. https://www.news-medical.net/news/20250811/Mothers-face-greater-financial-impact-following-childe28099s-type-1-diabetes-diagnosis.aspx XX The U.S. Department of Justice has reached a settlement with Metro Nashville Public Schools after allegations that the district violated the Americans with Disabilities Act.   The parents of a student at the Ross Early Learning Center requested that the school monitor their child's glucose monitor. Investigators found the school refused to do so, despite the child's Type 1 Diabetes diagnosis.   As part of the settlement, MNPS agreed to change its policies to allow the use of these devices, ensure trained staff can monitor them throughout the entire school day and at school activities, and improve communication with parents. https://www.wsmv.com/2025/08/12/metro-nashville-public-schools-settles-allegations-it-discriminated-against-students-with-diabetes/ XX Modular Medical has unveiled Pivot, its next-generation insulin patch pump technology aimed at simplifying diabetes care. The company announced its new pump for “almost-pumpers” at the Association of Diabetes Care & Education Specialists (“ADCES”) Conference in Phoenix, Arizona this weekend. It aims for Pivot to target adults with a user-friendly, affordable design.   Modular Medical's current pump, the MODD1, won FDA clearance nearly a year ago. It features new microfluidics technology to allow for the low-cost pumping of insulin. The system has a reservoir size of 300 units/3mL. Users can monitor the pump activity with their cell phone and do not require an external controller. The pump uses a provided, single-use, disposable battery.   The company announced recently that it validated its insulin pump cartridge line for human-use production in the U.S. Days later, it reported the first human use of the MODD1 pump.   Now, it has taken the next steps with the debut of a next-gen pump, set for FDA submission in October.   Modular Medical also gamifies diabetes care The company also said ADCES is the place where it will showcase the first playable level of its new Pivot pump gamified trainin module. Level Ex, a developer of medical games, develops the module.   Modular Medical said gamification offers a way to make medical training more effective and efficient while improving information retention. Given the complexity in pump uptake, the company hopes to provide an easy way to bring its technology to clinicians and patients.   The company expects to have training modules available at the same time as the pump's planned launch in 2026.   “Level One is free because diabetes mastery shouldn't come with a price tag,” Sam Glassenberg, CEO of Level Ex, said. “Modular Medical is breaking barriers too – bringing pump therapy to more people through smart, accessible design. Together, we intend to make diabetes management simpler and more inclusive.   “People learn best through play – and we believe they want to learn about insulin pumps the same way. In Level One, players aren't just mastering diabetes management through gameplay – they're asking to ‘play' with pumps: to explore how they work, understand their benefits, and build confidence before using them in real life. Our partnership with Modular Medical helps make that possible.” https://www.drugdeliverybusiness.com/modular-medical-unveils-next-gen-insulin-pump/ XX On Tuesday, 12 August 2025, Tandem Diabetes Care (NASDAQ:TNDM) presented at the Canaccord Genuity's 45th Annual Growth Conference, outlining strategic shifts and market focus. The company highlighted its plans for commercial transformation in the U.S. and expansion in international markets, alongside addressing competitive challenges and regulatory impacts. While optimistic about growth in Outside the U.S. (OUS) markets, Tandem is navigating a more competitive landscape domestically. We have entered into the pharmacy channel with Mobi only. And so as Mobi's been building up volume, we're getting experience and we're really learning and understanding what pharmacy offers to us. And the proof points have proved out the thesis I said earlier, which is it can really reduce that barrier for patients, is the out of pocket cost. And so we've decided to accelerate our strategy and where we were starting just with Mobi, we are now moving t slim supplies into the pharmacy channel, and that will kick into gear in the fourth quarter. So as people are looking at the cadence of sales for the remainder of the year with this reframing, many folks are seeing what looks like a a might be an outsized fourth quarter and and having trouble understanding those dynamics. We'll be adding the tSIM supplies to those contracts. We also have more coverage. We will have it in the coming weeks effective this year, so we will be increasing that 30% rate before the end of the year. And then, obviously, everyone's in the same cycle right now already negotiating and discussing their 2026 coverage. And so 30% is the floor.   We do expect to continue to grow that coverage in the coming years, and ultimately have a much broader access. Absolutely. It's an exciting technology that allows for us to have an infusion set that extends the wear time from three days to up to seven days. So we're able to use that as part of an independent infusion set, which would then be used with the t slim and with the mobi pump today. But we're also using that same technology as part of the site that's used for mobi when you use it with a tubeless cartridge. So next year, we will launch Mobi in a patch configuration.   It uses the same pump that's available today, but by using a modified cartridge, you're able to wear it as a patch pump. So one of the things we announced on the call is that we're using this extended wear technology as part of that site. So what it allows you to do is to change the portion that you wear in your skin separate from the timing of when you change the insulin cartridge. So it allows for that extended wear time, reduction of burden to the patient, which is especially important for higher volume insulin users as we expand into type two. So from here, we will launch the extended wear site next year along with we'll do a separate regulatory filing for the cartridge portion for Mobi that includes this extended wear technology as a predicate device. So that's another filing that we'll need to do, but we have the clearance today for the independent infusion set, but we'll file another five ten k for use of the extended wear technology as part of the tubeless Mobi feature. https://za.investing.com/news/transcripts/tandem-diabetes-at-canaccord-conference-strategic-shifts-and-market-focus-93CH-3834464 XX MannKind today announced a significant regulatory submission and a large financing agreement with Blackstone. The company submitted its lead inhaled insulin product for expanded FDA approval and secured $500 million in funding, it said.   First, the Danbury, Connecticut-based company announced that it submitted a supplemental Biologics License Application (sBLA) for Afrezza, its inhaled insulin product, in the pediatric population.   MannKind Director of Medical and Scientific Engagement Joanne Rinker, MS, RDN, BC-ADM, CDCES, LDN, FADCES, told Drug Delivery Business News at ADA 2025 that a submission was on the way for children and adolescents aged 4-17 years old. Further data shared at ADA found Afrezza both safe and effective in that age range.   Afrezza is a fast-acting insulin formulation delivered through an inhaler device. MannKind engineered the mechanical inhaler device to slowly bring powder into the lung. A small compartment opens for the insertion of the insulin cartridge, then the user closes it. The only other component is a mouthpiece for the sake of cleanliness. Then, the inhalation takes just two seconds. It requires no electronics or extra components.   The company expects a review acceptance decision early in the fourth quarter of 2025.   “The submission of our supplemental Biologics License Application (sBLA) for Afrezza in pediatric patients is a meaningful milestone for MannKind and people living with diabetes,” said Michael Castagna, CEO of MannKind Corporation.   Additional funding provides a significant boost for MannKind MannKind also announced a strategic financing agreement with funds managed by Blackstone worth up to $500 million. The financing provides MannKind with non-dilutive capital to advance its short- and long-term growth strategies.   This senior secured credit facility includes a $75 million initial term loan funded at closing. It then has a $125 million delayed draw term loan available for the next 24 months. Finally, it features an additional $300 million uncommitted delayed draw term loan available at the mutual consent of MannKind and Blackstone.   The facility bears interest at a calculated SOFR variable rate plus 4.75% and matures in August 2030.   “This strategic financing significantly increases our operating flexibility and provides us substantial access to non-dilutive capital on favorable terms, complementing our strong cash position,” said Castagna. “The funding will support the expansion of our commercial team in preparation for the anticipated launch of the pediatric indication for Afrezza, if approved, continued pipeline advancement, potential business development opportunities, and general corporate purposes. Partnering with the Blackstone team on this transaction positions us to accelerate our next phase of growth and innovation.” https://www.drugdeliverybusiness.com/mannkind-fda-submission-pediatrics-500m-blackstone/ XX   Medtronic MiniMed Abbott Instinct Sensor [Image from Medtronic Diabetes on LinkedIn] The Medtronic Diabetes business today took to social media to share an early preview of a new integrated Abbott sensor for its insulin delivery systems. Medtronic Diabetes — soon to be MiniMed after its planned separation from the medtech giant – said in the post that the new sensor specifically designed for its own systems is called “Instinct.”   “Get a sneak peek at what's coming next: the Instinct sensor,” the business unit's account wrote. “Made by Abbott, the Instinct sensor is designed exclusively for MiniMed systems. We'll share more details about the Instinct sensor when it's commercially available.”   The sensor, built on the Abbott FreeStyle Libre platform, reflects “the power of the partnership,” Abbott EVP, Diabetes Care, Chris Scoggins, told Drug Delivery Business News earlier this year.   Medtronic and Abbott — two of the largest diabetes tech companies in the world — announced a year ago that they entered into a global partnership pairing Abbott continuous glucose monitors (CGMs) with Medtronic insulin delivery systems.   The partnership aims to collaborate on a system based on Abbott's FreeStyle Libre CGMs with Medtronic's automated insulin delivery technology (the latest generation being the MiniMed 780G) and smart insulin pen systems, such as the InPen system.   Read more about Medtronic, Abbott and the rest of the diabetes tech industry in our free Diabetes Technology Special Report. Medtronic's systems previously used its own CGMs, such as the Guardian 4 and the Simplera platform, and the company intends to continue using those systems as part of a comprehensive CGM portfolio. Under the companies' agreement, the systems would be sold exclusively by Medtronic — including the Abbott CGM.   The companies brought the partnership a step further in April when Medtronic announced the submission of an interoperable pump with the Abbott sensor technology to the FDA. They plan to share more details following the expected FDA clearance, which remains pending.   Management also recently emphasized the multi-year nature of the partnership, meaning Medtronic could pair current and future pumps with other Abbott sensors in the future. That could hint at integration with the company's future dual glucose-ketone monitor, as a number of pump makers have already announced collaborations to pair their systems with the sensor once it hits the market. https://www.drugdeliverybusiness.com/medtronic-diabetes-previews-abbott-sensor-minimed/ XX Governor Glenn Youngkin joined Civica officials at the company's Petersburg manufacturing facility to announce a $3 million grant from the Commonwealth of Virginia to accelerate Civica's efforts to develop and produce affordable insulin for Americans living with diabetes.   CivicaRx Logo   "We are proud to partner with Civica in their mission to make essential medicines more accessible," said Governor Youngkin. "This investment reflects our belief in the power of public-private collaboration to improve lives and strengthen communities."   These funds will support the production of insulin aspart, a rapid-acting human insulin analog used to regulate blood sugar in adults and children with diabetes. Civica plans to produce both rapid- and long-acting insulins at its state-of-the-art manufacturing facility in Petersburg, Va., where the company now employs more than 200 skilled workers.1 Over 8 million people living with diabetes need rapid-acting and/or long-acting insulin.   The Governor also announced that he had officially proclaimed August 7 – 14 2025 'Life Sciences Week' demonstrating the Commonwealth's commitment to "accelerating the advancement of the life sciences through public-private partnerships, STEM education, workforce development, and sustained investment in research and development."   "We are grateful for the Commonwealth's support," said Ned McCoy, Civica's President and CEO. "This funding will help us move closer toward our goal of ensuring that no one has to choose between insulin and other basic needs."   Civica and Virginia officials were joined by Lynn Starr, Chief Global Advocacy Officer of Breakthrough T1D, the leading global type 1 diabetes research and advocacy organization.   "More than one million American adults live with type 1 diabetes, and many still, sadly, ration their insulin, due to the prohibitively high cost of this necessary medication," said Starr.  "Civica's work will help to make insulin more affordable for people across the country."   Breakthrough T1D is among more than two dozen organizations and philanthropists, along with the states of Virginia and California, that have partnered with Civica to support the development of affordable insulins.   Civica's insulin initiative aims to provide patients with predictable, transparent pricing — no more than $30 per vial or $55 for a box of five pens — regardless of insurance status.   About Civica Civica is a nonprofit pharmaceutical company established to address drug shortages. It was founded by a group of U.S. health systems and philanthropies who, after more than a decade of chronic shortages, recognized that the market was not self-correcting and that a different approach is required. Civica works to deliver a safe, stable, and affordable supply of essential medicines to U.S. patients.   Media Contact: Liz Power liz.power@civicarx.org +1 860 501 3849 https://cbs4indy.com/business/press-releases/cision/20250807NY46213/governor-glenn-youngkin-announces-3-million-grant-to-support-civicas-affordable-insulin-programs/ XX If you or someone you love is living with diabetes, you already know the fight isn't just medical—it's financial, too. Between daily supplies, doctor visits, and long-term care, the cost of managing type 1 or type 2 diabetes can be overwhelming. Add college or trade school into the equation, and suddenly staying healthy competes with building a future. That's where scholarships for students with diabetes—like Beyond Scholars and others listed here—step in.   Whether you're headed to a university, a two-year college, or a hands-on trade program, these opportunities were created to ease the load.   Scholarships for students with diabetes Beyond Scholars (from Beyond Type 1): $10,000 for recently graduated high school seniors with type 1 diabetes or type 2 diabetes entering college or trade school. This is one of the largest needs-based diabetes scholarships in the United States. This year, awardees will also receive 6 months of wellness coaching through Risely Health.   Applications open: July 25, 2025 Deadline: August 29, 2025 Winners announced: October 2025 https://beyondtype1.org/beyond-scholars-diabetes-scholarships-college-trade-school/ XX Nick Jonas and Kyle Rudolph are using their platforms for a good cause.   On Tuesday, Aug. 12, the singer and the former NFL tight end (via his professional fundraising platform Alltroo) announced they're teaming up to launch a rally featuring a fan-coveted prize: a custom 2025 Volkswagen ID. Buzz electric bus that the Jonas Brothers have brought along for their 20th anniversary tour.   “Ten years ago, we hit the road with a goal to change what it means to live with diabetes. Since then, Beyond Type 1 has grown into the world's largest digital diabetes community, offering the tools, education, and peer support needed to not only survive but thrive with diabetes,” Jonas, who co-founded Beyond Type 1 (a nonprofit that advocates for those living with diabetes), says in a statement.     “We've challenged stigma, built community, provided life-saving resources, and collectively driven global innovation toward prevention and cure. This milestone is a moment to rally even more support for our mission, and partnering with Alltroo helps us do that in a powerful, engaging way.”   Related Stories Nick Jonas on Managing His Diabetes: 'The Mental and Emotional Health Aspect Is Really Important' nick jonas Nick Jonas Says He Was Diagnosed with Diabetes After Joe Told Their Parents: 'Something's Really Wrong' Joe Jonas and Nick Jonas attend the amfAR Cannes Gala 30th edition at Hotel du Cap-Eden-Roc on May 23, 2024 For Rudolph, the campaign is about "celebrating Beyond Type 1's incredible work over the past decade, and standing behind their vision of a world where everyone with diabetes — or at risk of it — has access to the knowledge, care and support needed for early diagnosis and lifelong health."   While the rally is live on Alltroo.com, fans can also scan QR codes available at all 36 Jonas Brothers concert stops to enter for a chance to win the electric bus. (A winner will be selected on November 14, which is World Diabetes Day.)   Jonas, 32, has long been open about his Type 1 diabetes diagnosis at 13 years old. "I had this kind of wrench thrown into things when I was diagnosed and it took a while to figure out how to count carbs to properly dose for insulin and what things would affect me in different ways," he previously told PEOPLE.   "When I was first diagnosed, I was sitting in the hospital and was scared to death, honestly, while I was learning about how to manage this new thing I was dealing with," Jonas recalled. "It would have been amazing to have someone to look at at that time to say, oh, this is a person living with it and they're following their dreams. They're doing what they want to do with their lives and not letting it slow them down."           https://people.com/nick-jonas-kyle-rudolph-launch-fan-rally-diabetes-awareness-11788684

Chef Lee Aquino embodies a remarkable fusion of culinary expertise and dynamic leadership, overseeing seven distinct dining concepts in the vibrant St. Petersburg area. In this conversation, we delve into his journey from humble beginnings at Shoney's to becoming a pivotal figure in the culinary scene, where he balances artistic expression with the pragmatic demands of restaurant management. Throughout the episode, we explore the intricate relationship between creativity and consistency in the kitchen, as Chef Aquino emphasizes the importance of surrounding oneself with talented individuals who contribute unique perspectives. He shares invaluable insights on mentorship, the evolution of culinary styles, and the significance of cultivating a culture that prioritizes trust and collaboration among kitchen teams. As we engage with Chef Aquino, his relentless passion for the culinary arts and commitment to excellence become evident, offering inspiration not only to aspiring chefs but to all who navigate the complexities of the food industry.Chef Lee Aquino's culinary journey is a testament to the intricate relationship between passion and profession. From his humble beginnings at Shoney's on Amelia Island, where he mastered the art of cooking eggs to order, to becoming a pivotal figure in the vibrant dining scene of downtown St. Petersburg, Chef Aquino exhibits an unwavering commitment to his craft. His culinary philosophy is rooted in a harmonious blend of rustic French techniques and contemporary flavors, allowing him to cultivate an innovative dining experience across seven distinct restaurant concepts. Each establishment carries its unique identity, yet all resonate with Chef Aquino's signature touch. His dedication to fostering a vibrant kitchen culture and building trust among his team exemplifies the leadership qualities necessary for success in the culinary industry. As he shares anecdotes from his formative years, listeners gain insight into the resilience required to thrive in a demanding and ever-evolving landscape. Ultimately, Chef Aquino's narrative serves as an inspiration for aspiring chefs and culinary enthusiasts alike, encouraging them to embrace their individuality while contributing to the larger culinary tapestry. In the latest episode of the Walk and Talk podcast, Chef Lee Aquino elaborates on the multifaceted nature of his work as a culinary director overseeing multiple restaurant concepts. He discusses the importance of finding the right individuals to lead each kitchen, emphasizing that successful teamwork is essential in creating unique dining experiences that cater to diverse palates. Chef Aquino's culinary creations, such as the lobster French toast and the pastrami-spiced lamb tenderloin, reflect his innovative approach to cuisine, highlighting the significance of balancing tradition with modern culinary trends. Throughout the conversation, he reflects on the invaluable lessons learned from working in high-pressure environments, underscoring the necessity of adaptability and creativity in the kitchen. The episode delves into the challenges faced by chefs in today's fast-paced culinary world, shedding light on the importance of mentorship and guidance for the next generation of culinary professionals. Chef Aquino's insights resonate deeply with listeners, offering a glimpse into the heart of a chef who not only creates exceptional dishes but also nurtures a thriving culinary community. As the episode unfolds, listeners are treated to an exploration of Chef Lee Aquino's culinary ethos, which emphasizes the significance of building relationships within the kitchen and understanding the nuances of flavor development. He candidly shares his experiences of managing chaos, whether it be from unexpected kitchen challenges or the pressures of high-profile culinary events. Chef Aquino's perspective on leadership revolves around trust and collaboration, illustrating how effective...

Donald Trump ostrzega, że Rosja poniesie poważne konsekwencje, jeśli Putin nie zgodzi się na rozejm podczas piątkowego spotkania obu polityków na Alasce. Europejscy liderzy odbyli w środę wirtualne spotkanie z Donaldem Trumpem; obecny był również prezydent Zełenski, który wykluczył jakiekolwiek zmiany terytorialne na rzecz Rosji. Zełenski powiedział również, że Stany Zjednoczone chcą w dalszym ciągu wspierać Ukrainę, choć nie jest jasne, w jaki sposób. Na froncie Rosja robi znaczące postępy, zdobywając nowe tereny Ukrainy. Jakie mogą być wyniki szczytu na Alasce – jeśli do niego dojdzie? Czy konsultacje Trumpa z Europą mogą znacząco wpłynąć na jego przebieg? I jakie cele będzie na Alasce realizował Władimir Putin?Azerbejdżan i Armenia zawierają umowę, której ostatecznym celem ma być zakończenie trwającego od czterech dekad konfliktu zbrojnego. Czy rzeczywiście Donald Trump swoją mediacją zakończył kolejną wojnę, czy na razie odniósł sukces jedynie medialnyPolicja w Albanii wkracza do siedziby jednej z największych grup medialnych kraju. Czy władze chcą uciszyć niezależne media? Jak sytuację w kraju ocenia Komisja Europejska, która właśnie otworzyła ostatni rozdział negocjacji w sprawie członkostwa Albanii w Unii?Miasto Achmatowej, Putina, Brodskiego i Stanisława Augusta. Czym jest historyczny i współczesny Petersburg? Jak żyje w czasie wojny Rosji z Ukrainą? Opowie o tym autor książki o mieście założonym przez Piotra Wielkiego, które grało główną rolę w historii Rosji ostatnich trzech wieków.Rozkład jazdy: (02:42) Adam Eberhardt: Rozmowy Trump-Putin na Alasce(27:25) Krzysztof Strachota: Jeszcze nie koniec wojny na Kaukazie(44:35) Podziękowania(50:59) Małgorzata Rejmer: Albania: kraj sukcesu i korupcji(1:14:10) Grzegorz Ślubowski: Petersburg: historia miasta i Rosji ostatnich trzech wieków(1:42:17) Do usłyszenia---------------------------------------------Raport o stanie świata to audycja, która istnieje dzięki naszym Patronom, dołącz się do zbiórki ➡️ ⁠https://patronite.pl/DariuszRosiak⁠Subskrybuj newsletter Raportu o stanie świata ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠➡️ ⁠https://dariuszrosiak.substack.com⁠Koszulki i kubki Raportu ➡️ ⁠https://patronite-sklep.pl/kolekcja/raport-o-stanie-swiata/⁠ [Autopromocja]

Jeremy Lowe, Assistant Vice Provost for Undergraduate Admission at American University, has built his leadership style on lessons from three seemingly different places: the punk rock stage, long walks through D.C., and intentional pauses in the face of challenges. In this conversation, Jeremy shares how getting heckled and booed by 1,500 fans taught him resilience, how a 10-mile-a-day walking habit (unbroken since 2020) fuels his problem-solving, and why under-reacting has become one of his most valuable tools as a leader. Along the way, he reflects on belonging, fun, and helping students focus on who they are becoming.00:00 – Jeremy's intro from the nation's capital and a callback to Lisa Keegan's “why isn't Jeremy on the show?” moment.02:50 – Six years on the National Merit Scholarship Review committee and why the work (and mission) is often misunderstood. (Plus a shout-out to Tim McGuire.)08:16 – Origin story: from C-student in St. Petersburg, FL, to punk rock guitarist in a band called Free Sample.11:18 – On getting heckled and booed by 1,500 fans ... and why it's awesome.13:40 – Lessons from punk rock that translate to admissions: resilience, self-promotion, logistics, and collaboration.15:18 – Barton College, wearing many hats, and finding a professional home at American University.18:46 – Walking 10 miles a day since 2020: solitude, reflection, and a cast of characters23:06 – Walking as problem-solving and stress relief, including during the national search for his current role.26:20 – The email-to-self system for capturing ideas mid-stride.27:48 – Advice to his younger self: know you belong, have fun, and help students focus on becoming.30:36 – Balancing joy and gravity in higher ed: why underreacting is a leadership superpower.33:43 – Music-sharing at weekly team meetings as a culture-builder.35:40 – Touching grass: reconnecting with students to stay grounded.36:39 – Packing the backpack for a leadership climb: curiosity and networking.41:33 – “Networking is better than not working.”42:07 – Rapid Descent.The ALP is supported by RHB, a division of SIG. Music arranged by Ryan Anselment

In this powerful and informative episode, we're joined by Dr. Saige Evans, Clinical Director and Pelvic Floor Therapist at Bloom Pelvic Therapy. Dr. Saige brings a deeply compassionate, trauma-informed approach to supporting people navigating vulvovaginal and pelvic pain. We unpack the connection between the pelvic floor and sexual health, bust some persistent myths, and explore how our nervous system plays a central role in both pain and pleasure. Whether you're experiencing pelvic discomfort, want to enhance your sexual wellness, or are simply curious about how the body stores tension and trauma, this conversation offers insight, clarity, and hope.

Many people consider Jesus to be a great teacher and preacher, but few actually realise just how incredible and multilayered His teachings actually were.In this episode of Expositors Collective, Mike speaks with Dr. Peter J. Williams, the principal of Tyndale House in Cambridge, and the chair of the International Greek New Testament Project. He is also a member of the ESV Translation Oversight Committee, and the author of several books, including: Can We Trust the Gospels?Dr. Williams' latest book is called The Surprising Genius of Jesus: What the Gospels Reveal about the Greatest Teacher, in which he examines Jesus' teachings in the Gospels and shows how we know that these teachings truly do originate with Jesus, and that they show an incredible awareness of, and connection to the Old Testament in a way that would have triggered the memories of the first listeners, and which contains layers of meaning for us as readers today. Peter also gives insight into fruitful evangelism, unlocking of knowledge and some of the ways that Tyndale House can help ordinary preachers like us! Dr Peter J. Williams is the Principal and CEO of Tyndale House, Cambridge. He was educated at the University of Cambridge, where he received his MA, MPhil, and PhD in the study of ancient languages related to the Bible. After his PhD, he was on staff in the Faculty of Divinity at the University of Cambridge (1997–1998) and thereafter taught Hebrew and Old Testament as an Affiliated Lecturer in Hebrew and Aramaic at the University of Cambridge and Research Fellow in Old Testament at Tyndale House, Cambridge (1998–2003). From 2003 to 2007 he was on the faculty of the University of Aberdeen, Scotland, where he became a Senior Lecturer in New Testament and Deputy Head of the School of Divinity, History, and Philosophy. Since 2007 he has been leading Tyndale House. Dr Williams is also an Affiliated Lecturer in the Faculty of Divinity in the University of Cambridge, Chair of the International Greek New Testament Project and a member of the Translation Oversight Committee of the English Standard Version of the Bible. He assisted Dr Dirk Jongkind in Tyndale House's production of a major edition of the Greek New Testament and his book Can We Trust the Gospels? (Crossway, 2018) has been translated into 13 languages. His latest book, The Surprising Genius of Jesus: What the Gospels Reveal about the Greatest Teacher (Crossway), was published in October 2023.Resources Mentioned:Tyndale House - Exceptional research by people serious about Scripture:  https://tyndalehouse.com/ Peter J Williams speaks on the surprising genius of Jesus at the Southern Baptist Seminary Gheens' Lectures 2023 in Louisville, USA.  https://tyndalehouse.com/explore/videos/the-surprising-genius-of-jesus/Recommended Episodes: Amy Orr-Ewing: https://cgnmedia.org/podcast/expositors-collective/episode/apologetics-persuasion-and-evangelism-amy-orr-ewing Frederick Dale Bruner:  https://expositorscollective.org/expositors-collective-podcast/pastoral-and-scholastic-earthiness-frederick-dale-bruner/Kieran Lenahan:  https://cgnmedia.org/podcast/expositors-collective/episode/scripture-memorization-and-spiritual-formation-with-kieran-lenahanAmy Orr-Ewing : Join us August 22–23 at Calvary Chapel St. Petersburg for the nextExpositors Collective Training Weekend — a two-day, interactive eventdesigned to equip and encourage Bible teachers and preachers of allexperience levels.

On today’s episode, B the Change Georgia Executive Producer, Quentin Thomas, interviews Nathan Stuck about the 2025 BLD Southeast Conference, taking place September 9th through 12th in St. Petersburg, Florida. In this episode, Nathan reflects on his experiences with BLD Southeast, the importance of community and collaboration, and how diversity and inclusion are key at BLD Southeast. Stay tuned to hear why you should be at this year’s BLD Southeast, and be sure to register to join us in St. Petersburg in September. Until then, enjoy this episode. RESOURCES RELATED TO THIS EPISODE Visit https://bldsoutheast.com/ CREDITS Theme Music

Der Biologie-Professor Andreas Elepfandt ist ein Russland-Kenner der ganz besonderen Art. Er hat von 1975 bis 1976 14 Monate lang im Setschenow-Institut in Leningrad – heute St. Petersburg – in zwei Laboren bei der Erforschung von Heuschrecken und Wirbeltieren gearbeitet. Der Kalte Krieg klang gerade aus, und die von Willy Brandt begonnene Entspannungspolitik machteWeiterlesen

LINKS: https://linktr.ee/hmbradio & we're back. This week, I was going to talk about DOGE coming to the City of St. Pete but I called into Senning Show after my name was brought up on another show over old radio drama and Anna had a few cups of coffee and went in on some old co-workers so that was fun. We will be back live next week on Wednesday at 6:00PM over at WillsYouTube.com Get in touch with the show and leave a voice or text message at: (813) 693-2124 or shoot me an email at thehomemadebroadcast@gmail.com The #HMB airs Sunday's on Sunshine FM 96.7 in downtown St. Petersburg & anywhere in the world at Radio St. Pete @ 6:10PM & Monday's at 10:15PM or on demand via your favorite podcast app, just search "HMBradio Tampa Bay".

Edited VersionIn this episode of Dripping in Black, special guest host Dominic Lawson interviews Toni Kennedy, a dynamic children's entertainer and educator. They discuss Toni's journey from her childhood in St. Petersburg, Florida, to her experiences in Hawaii, her career as a makeup artist for Whitney Houston, and her passion for early childhood education. Toni shares valuable lessons learned from her life experiences, including the importance of humility and self-affirmation. The conversation culminates in a discussion about her podcast, What's Poppin' Penny?, which aims to provide engaging and educational content for children. In this engaging conversation, Toni Kennedy discusses her journey in podcasting, the creation of her show What's Poppin' Penny? and the importance of storytelling for children. She emphasizes the need for representation and the significance of addressing tough subjects in a way that resonates with kids. Toni shares her passion for nurturing children's self-worth and the legacy she hopes to leave behind, which includes plans for animation and a book series based on her podcast.Toni Kenndy Social MediaWebsite: ⁠whatspoppinpenny.com⁠Website:  ⁠www.misstonisings.com⁠Instagram:  ⁠@heywhatspoppinpenny⁠Facebook:  ⁠@HeyWhatsPoppinPenny⁠LinkedIn:  ⁠Toni Kennedy⁠TicTok:  ⁠@heywhatspoppinpenny⁠Amazon:  ⁠https://www.amazon.com/Morning-Toni-Kennedy/dp/0692168877⁠Dominic Lawson Social MediaWebsite:  ⁠www.blackisamericapodcast.com/⁠X (Twitter): ⁠@blackisamerica⁠ Instagram:  ⁠@BlackIsAmericaPodcast/⁠ Linkedin: ⁠ Dominic Lawson⁠Dripping in Black Social MediaWebsite:  ⁠www.drippinginblack.com⁠YouTube:  ⁠@DrippinginBlack⁠Facebook: ⁠@dibk20⁠Instagram: ⁠@dibk20⁠X: ⁠@dibk20⁠DiBk Drip Shop.  ⁠www.dibkdripshop.com⁠

Mark Twain (1835 - 1910)Translated by H. HellwagDie Abenteuer des Tom Sawyer (Originaltitel: The Adventures of Tom Sawyer) ist ein Roman des US-amerikanischen Schriftstellers Mark Twain. Das Buch erschien 1876 zugleich auch als deutsche Übersetzung."Die Abenteuer des Tom Sawyer" ist eine typische Lausbubengeschichte und spielt in der Mitte des 19. Jahrhunderts im kleinen Ort St. Petersburg am Mississippi. Der Waisenjunge Tom lebt bei seiner Tante Polly, zusammen mit seinem Halbbruder Sid, seiner Cousine Mary und dem schwarzen Sklaven Jim. Sid ist brav und verpetzt Tom bei jeder Gelegenheit. Tom hingegen schwänzt gern die Schule, prügelt sich und treibt sich mit seinem besten Freund Huckleberry Finn herum. Dieser hat keinen festen Wohnsitz; seine Mutter ist tot, sein Vater ist ein stadtbekannter Trinker. (Auszug Wikipedia)Genre(s): Children's Fiction, Action & Adventure FictionLanguage: German

For many of us, food is one of life's great pleasures. But what happens when that joy gets taken away, and can we get it back?When Mallary Tenore Tarpley lost her mother at eleven years old, she wanted to stop time. If growing up meant living without her mom, then she wanted to stay little forever. What started as small acts of food restriction soon turned into a full-blown eating disorder.Mallary shares her story in a powerful new memoir titled Slip: Life in the Middle of Eating Disorder Recovery. The book blends Mallary's own compelling story with her research about eating disorders. Mallary teaches journalism at the University of Texas at Austin. Before that, she spent 10 years living in Florida, including working at the Tampa Bay Times, where she and Dalia were both cub reporters. Dalia recently caught up with Mallary to discuss the book.Mallary will return to the Sunshine State on her book SLIP tour. Catch her on Tuesday, Aug. 19, 2025, at Tombolo Books in St. Petersburg, in conversation with the city's poet laureate, Gloria Muñoz.Related episodes:Dietitian Deanna Wolfe on Wellness Trends, Disordered Eating and Finding Food FreedomFor Pastry Chef Shayla “Chez Shay” Daniels, Life Is BittersweetWUSF's Lisa Peakes on Her Love of Radio, Fitness & Why She's Kept a Food Diary for 20 Years

brianturnershow.com, eastvillageradio.comTHE DOORS PROJECT TAPELAURIE ANDERSON - O Superman (in Deutche, Live Koln, 1982)TERRY REID - Silver White Light - Silver White Light: Live at the Isle of Wight 1970 (Water, 2004)TERRY REID - Bang Bang (My Baby Shot Me Down) - Bang Bang, You're Terry Reid (Epic, 1968)CARDIACS - Woodeneye - LSD (The Alphabet Business Concern, 2025)THE OBLIQUES - St. Petersburg - 7" (HoZac, 2025)KINLAW & FRANCO FRANCO - Air Loom Gang - Faith Elsewhere (Drowned By Locals, 2025)RXK NEPHEW - John Fetterman (Get You Killed Records, 2025)PEE PEE BUTT - Full 10 Song Demo - Demo (Squirrelin Around, 2025)VOICE OF REASON - Shaped (Live 1992) - split w/Sleeping Body (King of the Monsters, 2025)CROM - Live on my old WFMU show 9/6/08STEFAN JAWORZYN - Cast Out - The Annihilating Light (Kye, 2014)DOLPHIN TRAINER PLAYS BLOWHOLE LIKE A WAH-WAHNIEMEN - Pielgrzym - Niemen Aerolit (Polskie Nagrania Muza, 1975)NATHAN O'FLYNN-PRUITT - Rearview - Songs From Behind a Mountain (Figure and Ground, 2025)THE FALL - Australians In Europe (Peel Session, 1987) -The Complete Peel Sessions (Castle/BBC, 2005)DJ FEMALE CONVICT SCORPION - Eddie Murphy - Clash-Ups V (NL, 2016)SHIT AND SHINE - Iommount - Please Bring Cool Friends (BC, 2025)TRAC - qsec - Cylinder Plus (Bu Lang Tribute Cake, 2025)HARRY PUSSY - Lost Lost Lost Lost - Lost Lost Lost (1997, BC, 2025)JAMES MCKAIN / DAMON SMITH / WEASEL WALTER - A Cloud Which Does Not Last - Seeing the Way the Mole Tunnels (NL, 2025)SHERSH & SAYF - Never Again - Never Again (Corrupt Territories, 2025)

In this in-person conversation between friends, Mike Neglia and Bryan Kelly – lead pastor of WestChurch in Bradenton, Florida, host of the Cultivate Church Planting Podcast, and long-time church planter – mix plenty of laughs with rich wisdom for aspiring preachers and church planters.They recall a trip to Uganda from last year, for the Expositors Collective conference, hosted at Calvary Chapel Kampala, and they reflect on the lessons it taught them about preaching, pastoring, and cross-cultural ministry. Bryan shares one of his brilliant ideas – livestreaming himself writing a sermon – which Mike thinks is actually “the dumbest idea ever.” Along the way, they unpack “the forbidden phrase” (“as we all know…”) and why it can unintentionally put up barriers for people who are new to the Bible.The conversation covers explaining Scripture clearly, remembering the variety of people present in every congregation, and drawing on William Perkins' (1558–1602) classic seven categories of hearers. They also explore how pastoring is both a God-given gift and a skill that can be developed, why church planting can be full of hard work yet surprising joy, and how a spin class can be a lot like attending church for the first time.Full of humour, friendship, and practical insights, this episode is an encouraging listen for anyone committed to faithfully preaching God's Word and shepherding God's people.Links:Raymond Bukenya episode: https://cgnmedia.org/podcast/expositors-collective/episode/the-urgent-need-for-mentorship-in-ministryRay Bentley episode : https://cgnmedia.org/podcast/expositors-collective/episode/episode-18-the-gift-of-healing-the-empowering-of-the-holy-spirit-and-consecutive-bible-teachingCultivate Podcast:  https://cgnmedia.org/podcast/cultivate-church-planting—————Join us August 22–23 at Calvary Chapel St. Petersburg for the nextExpositors Collective Training Weekend — a two-day, interactive eventdesigned to equip and encourage Bible teachers and preachers of allexperience levels.

LINKS: https://linktr.ee/hmbradio & we're back. This week, we drank a little and spent some time at the pool before this ep. We send off The Hulkster the best way we know how. We will be back live next week on Wednesday at 6:00PM over at WillsYouTube.com Get in touch with the show and leave a voice or text message at: (813) 693-2124 or shoot me an email at thehomemadebroadcast@gmail.com The #HMB airs Sunday's on Sunshine FM 96.7 in downtown St. Petersburg & anywhere in the world at Radio St. Pete @ 6:10PM & Monday's at 10:15PM or on demand via your favorite podcast app, just search "HMBradio Tampa Bay".

How and when did Russia become a country of smokers? Why did makhorka and papirosy become ubiquitous products of tobacco consumption? Tricia Starks explores these themes as well as the connections between tobacco, gender, and empire in her latest monograph, Smoking Under the Tsars: A History of Tobacco in Imperial Russia (Cornell University Press, 2018). Starks illustrates how tobacco influenced facets of life, politics, morality, and culture in the 19th century from the perspectives of tobacco users, producers, and objectors. The book includes full-color ads for tobacco and papirosy cigarettes that add to the book's rich prose. From Tolstoy's anti-tobacco screed to the “Tobacco Queens” of St. Petersburg, Starks uses primary sources to craft an edifying narrative of the history of tobacco and tobacco consumption in the imperial period. Tricia Starks is Professor of History at the University of Arkansas. Her research interests include Russian and Soviet history, public health and the history of medicine, as well as culture and gender. Kimberly St. Julian-Varnon is a History Instructor at Lee College. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Will Packer is a visionary film and television producer whose storytelling prowess has captivated audiences worldwide. From humble beginnings making self-distributed indie films to producing box office hits like "Girls Trip," "Think Like a Man," and "Ride Along," Will is recognized for blending creativity with strong leadership and relentless drive. An advocate for payingit forward and empowering others, he recently released his book Who Better Than You? The Art of Healthy Arrogance and Dreaming Big, sharing leadership lessons and the mindset that fueled his incredible journey from St. Petersburg, Florida, to Hollywood's elite.    Takeaways: ·       Your Obligation Is Bigger Than Yourself – Will believes in using his privileged position to give back, not just to his family but also to his community. True legacy, he shares, is built through positively impacting others, not just personal accomplishments. ·       Success Requires Action, Not Just Passion – Will didn't wait for the “perfect passion” to strike. He took action, learned hands-on, and found his true calling by doing rather than waiting, encouraging us all to be doers, not just dreamers. ·       Healthy Arrogance Fuels Achievement – Confidence is a muscle. Will's mantra, “Who better than you?” challenges us to own our unique value, walk in rooms knowing we belong, and see self-belief as a tool for leadership—not toxic arrogance, but the healthy kind that brings everyone up.    Sound Bites: "I didn't wait for my passion to hit me in the face. Too many of us do that now. I went and did something I did well—and found my passion within it." "Success is a bottom line business. At the end of the day, you'll be judged by if you delivered or not." "Healthy arrogance is understanding you can make any room better while bringing everyone up—not tearing anyone down."    Quote by Mick: "Some days I do. Right. Some days I don't. But, like, I make sure that I fulfill the obligation more than I don't fulfill the obligation." Connect & Discover Will: Instagram: https://www.instagram.com/willpowerpacker/?hl=en Facebook: https://www.facebook.com/WillPowerPacker/ Website:  https://www.willpacker.com/home X: https://x.com/willpowerpacker?lang=en Book: Who Better Than You?    

      About this episode:  From June 18, 1864 until April 2, 1865, the Union Armies of the James and Potomac laid siege to Peterburg, Virginia - the all-important supply and communication center for Robert E. Lee's Army of Northern Virginia and Richmond itself. After 45 days of constant bloodletting in the Overland Campaign, the contesting forces began what would mirror warfare five decades later - miles and miles of trenches, denuded landmarks and death not so much by rifled muskets and artillery but disease. This is the story of the Confederacy's long, slow descent into darkness. This the story of the siege of Petersburg.    ----more---- Some Characters Mentioned In This Episode: George Gordon Meade Wade Hampton III Benjamin Butler Philip Sheridan John B. Gordon Gouverneur Warren   Additional Resources: First Battle Of Deep Bottom - July 27-29, 1864   Siege Of Petersburg - Actions August 18-19, 1864   Siege Of Petersburg - Actions October 27, 1864   Siege Of Petersburg - Actions March 29-31, 1865   Siege Of Petersburg - Actions April 2, 1865   Subscribe to the Threads from the National Tapestry YouTube Channel here   Thank you to our sponsor, The Badge Maker - proudly carrying affordable Civil War Corps Badges and other hand-made historical reproductions for reenactors, living history interpreters, and lovers of history. Check out The Badge Maker and place your orders here   Thank you to our sponsor Bob Graesser, Raleigh Civil War Round Table's editor of The Knapsack newsletter and the Round Table's webmaster at http://www.raleighcwrt.org   Thank you to our sponsor John Bailey.   Producer: Dan Irving

What if the whole story of the Bible could be told through four mountains?In this conversation, Mike speaks with theologian and pastor Michael Niebauer about his new book, Four Mountains: Encountering God in the Bible from Eden to Zion. They explore how the geography of Eden, Sinai, Tabor, and Zion can guide readers toward a deeper understanding of Scripture—and a more faithful approach to preaching it.Michael reflects on his own development as a preacher, the discipline of lectionary-based sermons, and the formative role of repetition, feedback, and theological tradition. He outlines how early Christian exegesis, especially the writings of figures like Ephrem the Syrian, shaped his thinking and helped him connect the Old and New Testaments with fresh clarity.Other highlights include:Why Eden was probably a mountainHow to preach biblical symbolism without confusing your listenersThe Bible as unapologetically TrinitarianBalancing historical context with spiritual readingMinistry to the elderly through Heritage MissionAnd why every sermon should lead to love of God and neighbourWhether you're a seasoned preacher or simply looking for new ways to read the Bible, this episode offers theological insight and practical encouragement.Michael Niebauer is an Anglican Pastor and Director of Heritage Mission, an initiative that trains leaders to start worship services in care facilities. He is the author of Four Mountains: Encountering God in the Bible from Eden to Zion and Virtuous Persuasion, a Christianity Today Book Award finalist and Outreach Magazine's 2022 Missional Resource of the Year.Resources Mentioned: You can purchase Michael's book  Four Mountains: Encountering God in the Bible from Eden to Zion here:  https://lexhampress.com/expositors —————Join us August 22–23 at Calvary Chapel St. Petersburg for the next Expositors Collective Training Weekend — a two-day, interactive event designed to equip and encourage Bible teachers and preachers of all experience levels.

A Brussels-based tour guide offers his recommendations for making the most of a weekend in the Belgian capital. Then one of Rick's co-authors joins us to explore what it means to become a "temporary local" when traveling, and how it can help you actually relax on your next vacation. And listeners share ideas for enjoying areas they know well, as long-term locals — including Maine's Acadia National Park and the art museums of St. Petersburg, Florida. For more information on Travel with Rick Steves - including episode descriptions, program archives and related details - visit www.ricksteves.com.

From the moment President Trump and Republicans took control of Washington this year, they set out to turn their longtime threats against public media, which they see as biased, into action.Now, a piece of Republican legislation would cut more than a billion dollars from the Corporation for Public Broadcasting, which finances PBS and NPR.As the bill makes its way through Congress, those who work in public media are warning that radio stations in red, rural and Republican America will feel the deepest impact.Guests: Jessica Cheung, a senior audio producer at The New York TimesTom Abbott, the general manager of KFSK-FM in Petersburg, Alaska Background reading: Some Republican senators voiced concern over the House-passed bill that would rescind money for NPR and PBS stations in their states.For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday. Photo: Ash Adams for The New York Times Unlock full access to New York Times podcasts and explore everything from politics to pop culture. Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify.