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A Senior Fellow for Biblical Worldview for a national Christian ministry recently commented on needing to win a certain case in the U.S. Supreme Court and on how to win. The question we examine today is whether his thoughts on the subject are his own or those informed by God's word. The answer depends on something I once never considered: Our knowledge of and love for the person of Christ.
Wyman & Bob give us their opinion on the hypothetical question of how competitive would the Mariners have been in the World Series against the Dodgers? Is there a chance that the Mariners should be looking to add an arm to their starting rotation in the offseason? Josh Naylor should be priority #1 for offseason acquisitions. // Is JSN the MVP of the Seahawks and possibly the best receiver in the NFL? Wyman & Bob break down the impact JSN has had this season and the numbers he is putting up in a new offensive system. // Sweeping the Dial: Geno Smith discussed how his relationship with Pete Carroll has helped him this season. Rich Eisen thinks Myles Garrett probably regrets staying in Cleveland. Derek Jeter teased Mookie Betts for getting one of his World Series rings from the COVID-shortened 2020 season.
Priority Cycles may be a new brand to the full-suspension MTB world, but they've got a ton of experience building belt-drive, gearbox bikes — and now they've launched the Vanth, a remarkably affordable high-pivot Pinion gearbox-equipped Enduro bike. So, why did Priority decide to enter the full-suspension bike market now, how did they come up with the wild-looking Vanth design, and what makes the Vanth so much more affordable than most other full-suspension gearbox bikes? We dive into all that and much more with Eddie Meek of Priority and Mike Schwartz, who served as an engineering consultant on the project.RELATED LINKS:Blister Mountain Bike Buyer's GuideGet Our Free Newsletter & Gear GiveawaysBLISTER+ Get Yourself CoveredTOPICS & TIMES:Introducing Eddie (3:20)The Priority brand (4:38)Introducing Mike (6:34)Why a high-pivot Enduro bike? (11:20)Other prototypes (16:01)Marketing the Vanth as a brand not known for MTBs (20:55)Belt vs. chain drive for a gearbox (27:53)The Vanth (38:10)Kinematic goals (45:00)Frame materials (51:43)Pricing & availability (56:45)CHECK OUT OUR OTHER PODCASTS:Blister CinematicCRAFTEDGEAR:30Blister Podcast Hosted on Acast. See acast.com/privacy for more information.
A Senior Fellow for Biblical Worldview for a national Christian ministry recently commented on needing a certain win in the U.S. Supreme Court and on how to win. The question we examine today is whether his thoughts on the subject are his own or those informed by God's word. The answer depends on something I once never considered: Our knowledge of and love for the person of Christ.Support the show: https://www.factennessee.org/donateSee omnystudio.com/listener for privacy information.
Carl and Mike get back into some Falcons talk as they share thoughts on how they feel about the Falcons being able to win Sunday after they spoke with Ben Volin, who covers the Patriots for The Boston Globe. As they discuss, they point to the fact that after watching the Dolphins lose as badly as they did to the Ravens puts an even bigger stain on the Falcons' loss to Miami.
A Senior Fellow for Biblical Worldview for a national Christian ministry recently commented on needing to win a certain case in the U.S. Supreme Court and on how to win. The question we examine today is whether his thoughts on the subject are his own or those informed by God's word. The answer depends on something I once never considered: Our knowledge of and love for the person of Christ.
JOIN THE SCREEN ROT PATREON NOW. Oi, get on this - an extra episode every week. Early access to every episode. Access to the Rotter group chat. Priority access to tickets. Get involved: patreon.com/thescreenrotpod The Screen Rot Podcast is the show where we discuss the weirdest and worst content that's been rotting our screens and our minds. It's Monday Night football for internet rubbish. This week we discuss: The Liver King. The roided up influencer descending into madness live on Instagram. IG Handles: @screenrotpodcast @jacobhawley @j_akefarrell Our theme music is the song “Money” by Jose Junior. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Waivers are heating up in Week 9! In this episode of WireTapped by Club Fantasy FFL, we break down the top waiver wire pickups you need to target before they're gone. From Troy Franklin's WR1 performance, to injury fill-in Tyrone Tracy Jr. — we've got your roster covered.We'll dive into:Priority waiver adds at RB, WR, QB, and TEInjury updates & next-man-up opportunitiesFantasy sleepers & low-rostered gemsAdd/drop and streamer strategy for Week 9
Earlier this month, the vast forest-grassland mosaic of the Western Ghats, Assam's Manas National Park, and West Bengal's Sundarbans, a mangrove where tigers swim from island to island, were all listed as being of “significant concern”. This was the assessment of the natural World Heritage sites in Asia and was released by The International Union for Conservation of Nature or IUCN. IUCN is the world's oldest and largest global environmental organisation, that tracks the health of ecosystems and species worldwide. And today, climate change has overtaken hunting as the greatest threat to wildlife, says IUCN's World Heritage Outlook 4 report which was released this month. India's forests are turning into concrete jungles. Tourism has reached its tipping point. Highways splice through natural habitats. And illegal wildlife trade thrives. The most recent scandal was the ED chargesheet against Elvish Yadav, a YouTuber, for wildlife crime. The agency said he had “illegally used protected species of snakes, exotic animals, such as iguanas, in the production of commercial music videos and vlogs for the purpose of increasing followers and generating money”. Guest: Vivek Menon, founder of the Wildlife Trust of India, who has become the first Asian to head the IUCN's Species Survival Commission Host: Divya Gandhi, The Hindu Edited by Sharmada Venkatasubramanian Learn more about your ad choices. Visit megaphone.fm/adchoices
“Just because someone hasn't gone to the doctor in four years does not mean they're not a walking time bomb." - Garrett JerueMy guest this week, Garrett Jerue, argues that the key to solving our healthcare crisis is to think differently and build a truly cohesive healthcare ecosystem. Driven by his personal experience battling cancer and navigating a fragmented system, Garrett has dedicated his career to designing benefits strategies that actually work for people.In this episode, Garrett shares his playbook for building this ecosystem. We discuss the "Ticket Health" model he developed, which integrates direct primary care, transparent PBM partnerships, and robust care navigation into a seamless experience. He explains why treating members with dignity and choice, focusing on proactive care, and challenging the status quo are essential ingredients for success.We also dive into the critical importance of mental health support and why employers need to view their health plan not just as an expense, but as a living, breathing organism that requires constant care and innovation.Tune in to get Garrett and I's insight on building a healthcare ecosystem that truly serves people.Chapters:(00:00:00) Building A Cohesive Healthcare Ecosystem (00:10:24) How a $600k Cancer Bill Changed Garrett's Life(00:17:22) Why Healthcare Financing Needs a Rethink (00:25:28) Treating Members with Dignity & Choice (00:38:11) The Keys to a Transparent PBM Partnership (00:43:45) Direct Primary Care: The Foundation of the Ecosystem (00:50:26) Care Navigation: The Glue That Holds It Together (00:59:07) Making Mental Health a Priority in the Ecosystem (01:12:32) The "Think Different" Mindset for Healthcare InnovationKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/
This week on Kop End Fracas, join Julian, Krish, Cav and Manny as they discuss Liverpool's 3-2 defeat away to Brentford (22:22) in the midsts of a 4 game losing run in the Premier League and whether Arne Slot can steady the ship (1:16:00). Whether it's transfer talk, tactical insights, or matchday breakdowns, Kop End Fracas brings you sharp analysis and passionate debate from the fan's perspective.
Data centres should be helped the least in the event of future power shortages, according to a poll from environmental advocacy organisation Friends of the Earth. For more on this Rosi Leonard, Data Centre Campaigner at Friends of the Earth and Alan O'Reilly // Customer Experience Manager for Blacknight.
“Just because someone hasn't gone to the doctor in four years does not mean they're not a walking time bomb." - Garrett JerueMy guest this week, Garrett Jerue, argues that the key to solving our healthcare crisis is to think differently and build a truly cohesive healthcare ecosystem. Driven by his personal experience battling cancer and navigating a fragmented system, Garrett has dedicated his career to designing benefits strategies that actually work for people.In this episode, Garrett shares his playbook for building this ecosystem. We discuss the "Ticket Health" model he developed, which integrates direct primary care, transparent PBM partnerships, and robust care navigation into a seamless experience. He explains why treating members with dignity and choice, focusing on proactive care, and challenging the status quo are essential ingredients for success.We also dive into the critical importance of mental health support and why employers need to view their health plan not just as an expense, but as a living, breathing organism that requires constant care and innovation.Tune in to get Garrett and I's insight on building a healthcare ecosystem that truly serves people.Chapters:(00:00:00) Building A Cohesive Healthcare Ecosystem (00:10:24) How a $600k Cancer Bill Changed Garrett's Life(00:17:22) Why Healthcare Financing Needs a Rethink (00:25:28) Treating Members with Dignity & Choice (00:38:11) The Keys to a Transparent PBM Partnership (00:43:45) Direct Primary Care: The Foundation of the Ecosystem (00:50:26) Care Navigation: The Glue That Holds It Together (00:59:07) Making Mental Health a Priority in the Ecosystem (01:12:32) The "Think Different" Mindset for Healthcare InnovationKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/
A Dallas, Texas, Principal has been removed from her position after Grant Stinchfield obtained an email that exposed the principal at Woodrow Wilson High School in Dallas for engaging in what can only be described as discriminatory behavior towards White and Hispanic students. The black Principal is accused of holding a “Black-only” assembly, where she allegedly told students she was “valuing the well-being of African American students over the others at this moment.” That's, according to one outraged Black student who wrote an email to the school administration calling out the discriminatory meeting. Today on "Stinchfield," Grant reads the email where the student whistleblower claims his black Principal even boasted about "only hiring Black staff." That declaration appears to be a proud admission of the discrimination. It is the latest example of the disgusting use of Diversity, Equity, and Inclusion (DEI) that only leads to poor outcomes and lots of controversy. Grant Stinchfield calls this what it is — a blatant act of woke victimhood ideology gone too far. It’s the twisted belief that you can fix racism with more racism. By prioritizing one group over another, this principal didn’t lift anyone up. Instead, she sent a dangerous message that minority students are victims and that everyone else doesn’t matter. It’s a moral and educational failure at every level. In a letter to parents on Monday morning, the DISD confirmed the Principal has been replaced, telling parents the principal's actions "do not reflect the values or expectations of our school community." And late Monday Morning the Principal issued an apology, insisting in a letter to parents, that she takes, "full ownership and responsibility for what occurred." and it was never her "intent to single out or cause harm to any group of students." It is unclear if the Principal will return or not. Statements and suspensions are not enough. Grant demands immediate accountability from the Dallas Independent School District, insisting that school leaders make it clear this kind of divisive, race-based policy will never happen again. GrantLovesGold.com Get20Now.com www.EnergizedHealth.com/Grant www.PatriotMobile.com/Grant TWC.Health/Grant Use "Grant" for 10% Off See omnystudio.com/listener for privacy information.
Hello Friend! Welcome back to claiming simplicity. If you are new here, welcome! I so glad to have you here! I often hear moms complain about not spending enough time with their kids or missing kids' events because of work, but then don't do anything to change their situation. A good indication of what is important to you is what you spend money on. You might say Jesus and family first, but your checkbook might say otherwise. Another way to look at it is where are you spending your time. If you spent most evenings in the gym, I would say sports are important to you, or if you spend alot of time on your phone, it may look like social media is important to you. Sometimes the values don't truely line up, so I just want to give you a few tidbits to help you live out your values so when the guilt of not spending time with your kids, you know where you can start to change that. So grab a pen and paper and lets get to work. If you are driving, make sure to come back to this, because this can change the direction of your life as it did mine! First, you need to make a list of what are your true priorities because if you are saying this is important, but your pocketbook and time are not confirming that, there will be friction and you won't feel aligned and something will always feel off. Once you have your true priorities and most important values written down, now I want you to go to your calendar and bank account and see where exactly your time and money is going. This is so very important and very eye opening for many that I work with. For example, if you want a simpler life, but your calendar is always full, there will be friction and you may feel a little anxious, so the 3rd step is to figure out a way to get there. With this example, maybe it is less time shopping or this may even be spending all your time at sports events when you can say no to live simpler if this is a top priority. There are so many options, but in order to live this life of simplicity, you have to get good at saying no and making sure that you are saying yes to the right items that line up with your values. When your life is coming to an end, will you be proud and peaceful about how you lived it or will you be stressed and worn out until the end? I hope you will have peace living a simpler life that you are able to create. It is simple to do, but you do have to take the steps to get there. Blessings! Monica Email -> monica@claimingsimplicity.com Instagram -> https://www.instagram.com/claimingsimplicity/ Website -> https://stan.store/ClaimingSimplicity/
As airstrikes and conflict continue to devastate communities across Ukraine, the UN Children's Fund, UNICEF, is raising urgent concerns about the mental health and well-being of the country's children.Kenan Madi, Chief of Field Operations for UNICEF in Ukraine, warns that the war is leaving thousands of children without homes, heat, power, or access to basic services, making everyday life “extremely difficult.”Education has also been severely disrupted.Despite ongoing efforts, UNICEF's appeal for Ukraine remains only partially funded, leaving millions of children at risk as another harsh winter looms.UN News's Nargiz Shekinskaya started by asking Mr. Madi what are the main needs of the children living on the frontlines of the conflict.
YOLO SOLO. Somehow, Kylo Ren didn't return, and Star Wars fans are aiming one very pointed finger at Disney chief Bob Iger. Yes… that finger. Plus, Ninja Kidz and the Power Rangers fandom are still trading blows—each determined to land the worst take of them all. And we're up to our knuckles in UFC Fighters—but only one bitty brawler will reign supreme! It's The Reluctant Adult Podcast. Email TheReluctantAdultPodcast@gmail.com Save 10% with code RAP101 at New Meta Save and get Free Shipping from Entertainment Earth Spooky & Weird Plush from MaterialJill TikTok @TheReluctantAdultPodcast Instagram @TheReluctantAdultPodcast Twitter @Reluctant_Pod Facebook The Reluctant Adult Podcast YouTube The Reluctant Adult Podcast Paul's eBay Auctions
Join Pastor Craig and listen to him lay down some hard house rules and talk about the widows of the church.
HR3 - Falcons top priority must be figuring out how to sustain drives on offense In hour three Mike Johnson, Beau Morgan, and Ali Mac let listeners call in and give their take on the Atlanta Falcons embarrassing 34-10 loss to the Miami Dolphins at home yesterday in the Wake Up Call, and explain why they think Falcons Owner Arthur Blank and Falcons CEO Rich McKay are not to blame for the Falcons failures on field. Then, Mike, Beau, and Ali spend some time with former Atlanta Falcons quarterback, and now analyst for the Atlanta Falcons Radio Network Dave Archer! Ali, Mike, Beau, and Dave discuss what Dave thinks priority number one should be for Falcons Head Coach Raheem Morris and the team to get back on track, if the Falcons need to have wide receivers run more in breaking routes, how the Falcons can put more wrinkles into their offense, and if there is anything the Falcons defense can do schematically to be better against the run. The Morning Shift crew also continues to let callers give their take on the Falcons 34-10 loss to the Dolphins, explain why they think Falcons running back Bijan Robinson's early season numbers are starting to feel like empty calories, and then close out hour three by diving into the life of Beau “Squidbilly” Morgan in The Life of Squid!
As airstrikes and conflict continue to devastate communities across Ukraine, the UN Children's Fund, UNICEF, is raising urgent concerns about the mental health and well-being of the country's children.Kenan Madi, Chief of Field Operations for UNICEF in Ukraine, warns that the war is leaving thousands of children without homes, heat, power, or access to basic services, making everyday life “extremely difficult.”Education has also been severely disrupted.Despite ongoing efforts, UNICEF's appeal for Ukraine remains only partially funded, leaving millions of children at risk as another harsh winter looms.UN News's Nargiz Shekinskaya started by asking Mr. Madi what are the main needs of the children living on the frontlines of the conflict.
Good day ladies and gentlemen, this is IRC news, I am Joy Stephen, a certified Canadian Immigration practitioner, and I bring to you this Provincial News Bulletin from the province of Alberta. This recording originates from the Polinsys studios in Cambridge, Ontario. Alberta selected potential PNP nominees under Alberta EE stream: Agriculture Priority on October 15 2025. Additional Infor and News release by province: Alberta selected potential provincial nominees under Alberta EE stream: Agriculture Priority, This is the news release by the province: Round Number: Not applicableDate: October 15, 2025Number of Invitations: 10Lowest CRS or Provincial Score: Not ApplicableStay informed about past events in Alberta by visiting this link: https://myar.me/tag/ab If you are interested in gaining comprehensive insights into the Federal Canadian Experience Class or other Canadian Federal or Provincial Immigration programs, or if you need guidance post-selection, we cordially invite you to connect with us via https://myar.me/c. We highly recommend attending our complimentary Zoom resource meetings held every Thursday. We kindly request you to thoroughly review the available resources. Subsequently, if you have any questions, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session on Fridays. You can find details for both these meetings at https://myar.me/zoom. Our dedicated team is committed to providing professional assistance throughout your immigration journey. Furthermore, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, accessible at https://ircnews.ca/consultant.
In our busy, distraction-filled world, it's easy to push God down our priority list. When we make good things like family, career, or hobbies into ultimate things, they become idols that leave us constantly striving but never satisfied. The prophet Haggai warned about this pattern - working hard but never getting ahead, accumulating more but never feeling fulfilled. To put God back in His rightful place, we need to prioritize four key areas: reading Scripture, worship and prayer; building godly community; generous giving; and active service. The challenge is to give God our best 12 hours out of our weekly 119 waking hours, not just our leftovers. When we seek God first, everything else in our lives can fall into proper alignment.
Truth that Transforms (Cornerstone Community Church, Atascadero)
Main point: 1 Corinthians 14:1-19 describes three ways that God calls His people to use their spiritual gifts to promote edification of the church body, not personal glory.
//The Wire//2300Z October 24, 2025////PRIORITY////BLUF: U.K. MISTAKENLY RELEASES MIGRANT THAT SPARKED THE EPPING RIOTS, MANHUNT UNDERWAY FOR THE FUGITIVE. BRITISH DIGITAL ID SCHEME TO TARGET CITIZENS FOR NONCOMPLIANCE. VEHICLE RAMMING ATTACK REPORTED AT COAST GUARD BASE IN CALIFORNIA. USA TRADE NEGOTIATIONS WITH CANADA TERMINATED AS CANADA LAUNCHES PROPAGANDA AD CAMPAIGN.// -----BEGIN TEARLINE------International Events-United Kingdom: In an interview regarding the Digital ID scheme, PM Starmer revealed that the penalty for not getting and using a Digital ID will be a fee of £85 for every instance of financial transaction that would ordinarily require an ID under this new plan.This afternoon, a separate situation developed as a major police operation was declared in Essex after the Epping Hotel attacker was allegedly mistakenly released from prison. Hadush Gerberslasie Kebatu was released by police this morning, rather than being deported. Currently a manhunt is underway, and local citizens are urged to be on the lookout for the violent criminal. Local police have not provided a description of Kebatu other than his mugshot, however a local citizen posted a video on social media after they spotted a man matching his description carrying his belongings in a clear trash bag. This footage was taken before the wanted notice went out, and the grey sweat/tracksuit he was wearing matches the description that court reporters visually saw him wearing earlier that day in court.Geolocation of this video evidence places Kebatu's last known location outside a cafe at Number 84 on the High Street in Chelmsford. The video cuts off before Kebatu's destination could be confirmed, but his last known azimuth places him traveling North up High Street, toward the bus station.Analyst Comment: Kebatu is an Ethiopian national who assaulted a child and a woman in Epping back in July, prompting the now-infamous Epping Riots. He had only been detained for roughly a month, and was supposed to be deported as a way of the British government showing that they do indeed deport violent criminals. However this shining example of good faith has been dashed, and the already dismal public sentiment on the issue is about to get a lot worse.To put it lightly, it is in Mr. Kebatu's very best interest for the *police* to find him as soon as possible. On the one hand, it is true that the British government let a violent criminal out of jail. But on the other hand that also means that he is no longer under police protection, he has no documentation, doesn't speak English, and no one knows where he is. Anyway, a few protests and demonstrations are well underway in Epping, and time is of the essence to find him, before the trail goes cold.Canada: The United States has suspended trade negotiations with Canada due to the discovery of a propaganda campaign targeting Americans. The government of Ontario ran a $75 million ad campaign featuring a speech by Ronald Reagan, in which he spoke negatively about the idea of tariffs. This speech, however, was a fabrication using clips and words selectively cut from Reagan's 1987 address in order to make it look like Reagan was not in favor of tariffs...when the actual uncut speech was actually in favor of tariffs.Analyst Comment: There's a saying in the world of psyops...a deception campaign can never fail. Even if discovered, the deception effort will cause doubt as to what's real, so there will always be some level of effectiveness. In this case, Canadian officials thought they were being cute by playing fast and loose, but this was not simply a harmless meme or something obviously fake. The content that was produced was fully intended to take the place of true information, and when carried out by a nationstate to manipulate the internal sentiment of a foreign nation, this a very serious charge. The sheer scale of this propaganda cam
Shapeshifters have haunted human imagination for centuries, beings who wear more than one face, who walk as men by day and monsters by night. From the deserts of the Southwest to the waters of the Caribbean, from the backroads of California to the outback of Australia, witnesses tell us that these entities are not confined to folklore; they are real, and they are watching.Tonight on Phantoms & Monsters Radio, we dive into chilling encounters that blur the line between man and beast, spirit and flesh. Skinwalkers, evil mermaids, spectral bird-creatures, ghostly children, and reptilian imitators. Are they demons, interdimensional beings, or echoes of something even older? Stay with us, because each story you'll hear is stranger than the last and may leave you questioning the shape of reality itself.
00:00 Intro01:15 CCP Decides on Top Priority for the Next 5 Years03:46 What's Next After Key Party Meeting: Gen. Stilwell09:20 U.S. to Extradite Fentanyl Kingpin Jailed in Cuba12:35 China, India Weigh Options on Russian Oil Sanctions14:04 China Quietly Building Up Oil Reserves for Months14:20 Top Trade Officials from U.S., China to Meet on Friday15:08 Trump Pardons Convicted Binance Founder Zhao16:00 Why TikTok Is Still in the U.S.: Cybersecurity Adviser
In moments of doubt, your choices reveal what you truly value, fear, and prioritize. In today's episode of “When Life Is Messy, Do You Ever Wonder if You're Being Tone Deaf?” Jacquette explores what it means to lead with clarity, compassion, and conviction, even when life feels a bit off-kilter, or "messy." Tune in to learn how to stop second-guessing your impact and start trusting the power you bring.www.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/JacquetteSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
With the nationalisation of the railways, the need for economic growth, climate change and a focus on addressing regional inequalities, transport should be at the top of the government's priorities. But is it? I'm joined by transport guru, author and podcaster, Christian Wolmar, to discuss why Transport is often overlooked by prime ministers and chancellors and how hopeful or gloomy he is now. Rock & Roll Politics - The Christmas Special is live at Kings Place on the 8th of December. Tickets are available now at the Kings Place website here. Subscribe to Patreon to take part in an exclusive live event on the 20th November, plus ad-free podcasts arriving in your feed a day early, bonus podcasts and live events. Written and presented by Steve Richards. Learn more about your ad choices. Visit podcastchoices.com/adchoices
What if capitalism itself is confusing your personal finance decisions? In this week's episode, Harvard economist John Y. Campbell joins us to unpack his new book, Fixed: Why Personal Finance Is Broken and How to Make It Work for Everyone, co-authored with Tarun Ramadorai. John argues that the financial system—while essential—is failing ordinary people through complexity, hidden costs, and misplaced incentives. Drawing on decades of research in household finance, he explains why products are too expensive, advice too conflicted, and decisions too difficult, and how policy and design can fix it. Key Points From This Episode: (0:04) Introduction – Rational Reminder's focus on sensible investing and decision-making. (1:46) Why Canadian finance feels broken: complexity, branding, and lack of competition. (4:53) Introducing John Y. Campbell and his new book Fixed. (5:43) The role of the financial system in everyday life: smoothing income, enabling investment, and managing risk. (7:14) The two main problems in modern finance—products are too complicated and too expensive. (9:17) Why financial decisions are so hard: our brains didn't evolve for math, and temptation bias wins. (11:36) How far financial literacy education really helps—and its limits for inequality. (14:26) The “corruption of capitalism”: how capitalists exploit consumer confusion and misperceived value. (18:15) Cross-subsidies: how the mistakes of the poor often subsidize the wealthy. (21:05) Competition only works when consumers can compare price and quality. (22:15) Financial innovation—when technology helps vs. when it deceives. (24:24) Conflicts of interest in advice: why “trusted” advisors often don't act in clients' best interests. (26:26) Why loyal, long-term bank customers often get worse deals. (27:20) The illusion of opting out: why avoiding finance (or choosing crypto) is “jumping out of the frying pan into the fire.” (30:24) The global emergency-savings problem—why volatility hits the poor hardest. (32:26) Is college worth it? Returns, costs, and who actually benefits. (35:47) How to think rationally about buying versus renting a home. (38:16) Housing in retirement—why reverse mortgages make sense but are misunderstood. (40:25) Mortgage mistakes: not shopping, not refinancing, and the racial gap that results. (44:41) Using utility theory to make better insurance and investment choices. (46:55) Principles for investing in stocks: participate, diversify, minimize fees, and ignore short-term noise. (48:24) How real investor behavior deviates from these principles—chasing returns and confusing investing with gambling. (51:17) Insurance mistakes: overinsuring small risks, underinsuring big ones. (54:11) How much to save for retirement—and how most people fall short. (55:40) Lifecycle investing: why target-date funds are good but could be better. (57:56) Why annuities make sense, and how better framing could make them more popular. (59:30) Technology's double edge: lower costs but higher temptation and discrimination. (1:02:17) Lessons from crypto: why stablecoins matter and what regulators should learn. (1:05:26) From nudge to shove: how governments should actively design simpler, safer products. (1:10:02) Where regulation goes too far—and why governments shouldn't run finance directly. (1:13:10) Priority areas for reform: retirement accounts, transaction accounts, and insurance. (1:14:49) The four design principles for a better system: simple, cheap, safe, easy. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/ Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemind Rational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.ca Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Cameron Passmore — https://pwlcapital.com/our-team/ Cameron on X — https://x.com/CameronPassmore Cameron on LinkedIn — https://www.linkedin.com/in/cameronpassmore/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)
In Matthew 6:19-34 we are challenged to ask, "What do I really want out of life?" Jesus uses a series of deceptively simple metaphors that urge us to reorient our lives around heavenly treasure. And he tells us why seeking first the kingdom of heaven is so simple and why it is so hard.
PNC Bank is the nation's eighth-largest bank by assets and the sixth-largest by deposits, but it ranks fourth in the number of physical branches. In a time when many banks are streamlining their in-person service locations, why has PNC doubled down on branches? On the latest episode of the ABA Banking Journal Podcast, PNC executive Jeff Martinez explores: The role of branches in marketing and account acquisition, particularly business accounts. PNC's strategy of combining organic growth and M&A (most recently in Colorado with FirstBank). Professional opportunities created for bank employees through the in-person delivery network. The role of personal touches — down to thank-you notes and branded umbrellas — in reinforcing the bank brand through the client experience.
1. The public preaching of God's word is the primary means of grace and must be kept central in the life of the church. 2. Pastoral counseling is also a necessary and important aspect of ministry and must not be neglected. 3. Preaching and counseling complement eachother.
Inaction is not an option. That is the thesis of United We Stand: A National Strategy to Prevent Scams, a new report from the Aspen Institute. Discussing the report's recommendations and insights on this edition of the ABA Fraudcast is Kate Griffin, director of Aspen's National Task Force on Fraud and Scam Prevention. “The very first call to action is simply that we say that scam prevention needs to be identified as a national priority for us as a country,” Griffin tells ABA's Paul Benda. The ABA Fraudcast will be published every three weeks, at the ABA Banking Journal site and wherever you listen to and subscribe to your favorite podcasts, such as Apple and Spotify. Please subscribe! ABA offers resources to help banks prevent, identify, measure and report fraud, and to serve and protect consumers and their financial data.
This week on Kop End Fracas, join Peter, Mike, Julian and Ella live and in person as they try to analyse the Reds 1-2 defeat to Manchester United at Anfield. Whether it's transfer talk, tactical insights, or matchday breakdowns, Kop End Fracas brings you sharp analysis and passionate debate from the fan's perspective.
Several colleges and universities are pushing back on pressure from the Trump administration. The president offered nine schools priority access to federal funding if they signed an agreement to meet his demands. So far, seven schools have rejected the deal. Amna Nawaz discussed more with Ted Mitchell, president of the American Council on Education. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy
Waivers are heating up in Week 8! In this episode of WireTapped by Club Fantasy FFL, we break down the top waiver wire pickups you need to target before they're gone. From Oronde Gadsden becoming a top 12 TE, to injury fill-ins Xavier Legette & Tez Johnson — we've got your roster covered.We'll dive into:Priority waiver adds at RB, WR, QB, and TEInjury updates & next-man-up opportunitiesFantasy sleepers & low-rostered gemsAdd/drop and streamer strategy for Week 8
Today's show features: Joshua Clinton, Managing Partner of Cape Coral CDJR Charlie Spradlin, Sales Director at Art Moehn Chevrolet Honda This episode is brought to you by: automotiveMastermind – Mornings are for momentum—and Mastermind helps you build it. automotiveMastermind is the automotive industry's trusted data and technology provider, empowering sales teams to start their day with data they can trust and end it with deals that drive results. Car Dealership Guy listeners can take Mastermind's 30-second Sales Efficiency Quiz to see how their dealership stacks up. Complete the quiz and sign up for a complimentary market analysis by October 31, 2025, to unlock 50% off Mastermind's predictive marketing. Visit https://drive.automotivemastermind.com/cdg to learn more and to activate your offer. Terms and conditions apply. The 50% off marketing offer is available for a limited time for new dealers joining automotiveMastermind. To be eligible, complete a demo by October 31, 2025. The offer is not valid for existing dealers on automotiveMastermind. Car Dealership Guy is back with our second annual NADA Party—happening in Las Vegas on Thursday, February 5th. It's the hottest ticket at NADA 2026. Spots are limited and unfortunately we can't invite everyone —so RSVP today at https://carguymedia.com/cdglive and we hope to see you in Vegas! — Check out Car Dealership Guy's stuff: CDG News ➤ https://news.dealershipguy.com/ CDG Jobs ➤ https://jobs.dealershipguy.com/ CDG Recruiting ➤ https://www.cdgrecruiting.com/ My Socials: X ➤ https://www.twitter.com/GuyDealership Instagram ➤ https://www.instagram.com/cardealershipguy/ TikTok ➤ https://www.tiktok.com/@guydealership LinkedIn ➤ https://www.linkedin.com/company/cardealershipguy/ Threads ➤ https://www.threads.net/@cardealershipguy Facebook ➤ https://www.facebook.com/profile.php?id=100077402857683 Everything else ➤ dealershipguy.com
Host Ricky Sacks is joined by Musician Jah Wobble, Billie T & Mitch Fretton as we reflect on the new Sporting Directors, Fabio Paratici and Johan Lange, and how the new men's football leadership structure will operate, along with wrapping up the latest news around Spurs in the past week. Independent Multi-Award Winning Tottenham Hotspur Fan Channel (Podcast) providing instant post-match analysis and previews to every single Spurs match along with a range of former players, managers & special guests. Whilst watching our content we would greatly appreciate if you can LIKE the video and SUBSCRIBE to the channel, along with leaving a COMMENT below. - DIRECT CHANNEL INFORMATION: - Media/General Enquiries: lastwordonspurs@outlook.com - SOCIALS: * Twitter: https://www.twitter.com/LastWordOnSpurs * Instagram: https://www.instagram.com/LastWordOnSpurs * Facebook: https://www.facebook.com/LastWordOnSpurs * YouTube: https://www.youtube.com/c/LastWordOnSpurs *Threads: https://www.threads.net/@lastwordonspurs *BlueSky: https://bsky.app/profile/lastwordonspurs.bsky.social WEBSITE: www.lastwordonspurs.com #THFC #TOTTENHAM #SPURS Learn more about your ad choices. Visit podcastchoices.com/adchoices