Podcasts about Proper

In this year-end episode, Akil Stokes breaks down how profitable traders review their performance and plan for the year ahead. Learn which numbers actually matter, how to spot costly mistakes, and why treating your trading like a business is the key to long-term success.

Episode 160: of the American Grown Podcast in the Colortech Creative Solutions studios with returning guest, Track & Field Coach at Cedar Crest High School Rob Bare.In this episode, we welcome back Rob Bare, Cedar Crest Track & Field coach, physical education teacher, author, and lifelong runner—for his first appearance since Episode 1 in 2022.Rob joins us to celebrate an incredible milestone: 50,000+ lifetime running miles—equal to running around the Earth twice. But for Rob, the miles have always been about more than running. They're about service, leadership, and impact.We talk about the Kids Heart Challenge at Ebenezer Elementary nearing $1 million in total donations, Cedar Crest Track & Field's continued success with four Division I athletes this spring, and Rob's work with the Men Wear Pink campaign.Braving Your AdversityMen Wear Pink CampaignSHOW SPONSORS:College Knowledge Foundation. Your path to higher education.Cleona Coffee Roasters. A small batch coffee roastery & coffee shop, veteran & first responder owned located inside 911 Rapid Response in Annville PA.Angelo's Pizza. Enjoy mouthwatering Italian dinners.Triggered 22. Support a local veteran and help spread awareness for PTSD & #22aday.Hossler Engraving. Looking for unique handcrafted gifts for all occasions Zach has you covered.Modern Gent Customs. We don't make basics...We make statements.Hains Auto Detailing. Have your car smiling from wheel to wheel.Boyer's Tavern. Proper food & drinks made by slightly improper people.Sip or Snack break.SIP: Garage Beer.SNACK: Jurgy.OFFICIAL STUDIO SPONSOR: Colortech Creative Solutions takes your creative projects from visualization to realization. We've been doing so since 1980 all while keeping your budget in mind.To see photos of today's guest follow on social media:IG: AmericanGrownPodcastFB: American Grown Podcast or visits us at American Grown Podcast

Rolling a joint is easy. Making it smoke right is the real skill.In this video, we break down the art, technique, and details behind rolling and smoking a proper joint—from grind and roll to burn, airflow, and overall experience. This isn't about shortcuts or trends. It's about understanding why certain methods work and how small adjustments completely change the way a joint performs.We sit down with Proper Doinks to talk through rolling fundamentals, smoking etiquette, and the subtle techniques that separate an average roll from a truly dialed one. Whether you're rolling for yourself or passing something around with friends, this guide covers the things most people overlook.If you care about craft, quality, and getting the most out of every roll, this is one of those episodes that sticks with you.This video is for:• Rolling better, more consistent joints• Understanding burn, airflow, and structure• Learning proper smoking etiquette• Appreciating the craft behind a clean roll• Anyone who wants their joint to smoke the way it's supposed toTap in and learn why how you roll matters just as much as what you roll. Hosted on Acast. See acast.com/privacy for more information.

Today is day 363 and we are studying the Section on Justification and Sanctification: Living in Forgiveness and Healing. 365. How does the Church assist in your sanctification? The Church's joyful worship, faithful teaching, grace-filled sacraments, Gospel-shaped calendar, compassionate ministry, loving discipline, and caring fellowship all assist my growth in Christ and are channels of God's abundant care for my soul. (Ephesians 4:1–16; Philippians 3:12–21) 366. How does the Lord's Supper assist in your sanctification? In the Lord's Supper or Holy Eucharist, I hear the Law read, receive God's good news of forgiveness, recall my baptismal promises, have my faith renewed, and receive the grace of the Body and Blood of Christ to continue following him in love and obedience. (John 6:53–58; 1 Corinthians 10:15–16) Our prayers today are Proper 15 found on page 619 and The Collect for Purity on page 106 of the Book of Common Prayer (2019). If you would like to buy or download To Be a Christian, head to anglicanchurch.net/catechism. Produced by Holy Trinity Anglican Church in Madison, MS. Original music from Matthew Clark. Daily collects and Psalms are taken from Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved. Catechism readings are taken from To Be a Christian - An Anglican Catechism Approved Edition, copyright © 2020 by The Anglican Church in North America by Crossway a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

Scripture: 1 Timothy 6:3-10 Focus: Do you have contentment in the Lord rather than earthly riches? Guest Speaker: John Dellorto Date: December 28, 2025

Certain houseplants like dracaena and monstera can grow quite big. And these plants need specialized care, from the proper amount of sunlight to the right kind of container.

Butch and Yas reflect on England's victory at the MCG, their first in Australia for nearly 15 years.

In this Crown Refs 1-1 Game Notes session, we break down Josh's game film, communication decisions, and on-court mechanics with a focus on confidence, certainty, and control. The conversation centers on how officials can stand firm under pressure, respond to coaches with rule-based clarity, and avoid reactionary whistles — especially in high-leverage moments and early-game situations. Through detailed film review, we reinforce the importance of proper positioning, whistle timing, and staying disciplined in one's primary, while emphasizing that the best officials are those who slow the game down and make decisions with conviction.Beyond mechanics, this session highlights the mental and preparatory side of officiating — from refining pregame captain and coach meetings to setting clear standards for sportsmanship and communication. We challenge you to simplify messaging, improve rules fluency, and commit to daily habits that build long-term confidence. The episode also explores officiating in blowout games, managing emotional coaches, and using self-awareness, fitness, and film study as tools for continuous growth. This session offers practical, repeatable strategies officials can apply immediately to elevate their presence, credibility, and performance.• Standing firm on correct calls despite coach pressure• Rule-based responses vs. repeating the same explanation• Making calls only when 100% certain — especially out of primary• Proper whistle cadence and avoiding early-game over-officiating• Positioning adjustments for improved open looks• Managing coaches without crossing mid-court unnecessarily• Officiating blowout games with accuracy and integrity• Using pregame meetings to set sportsmanship standards• Handling timeout mechanics and bench awareness• Physical fitness as a performance advantage• Building confidence through film review and self-evaluation• Avoiding phantom fouls and unnecessary intervention• Daily rules and case-play study as a growth habitNotable Topics & Key Takeaways

(0:00) Matt McCarthy & Andrew Callahan - in for Zolak & Bertrand - begin the third hour of the program with some Hot Stove hot takes from McTakey on the Red Sox offseason. Should the Red Sox re-sign Alex Bregman? How far should they be willing to go to retain his services? (15:54) McCarthy brings up recent Jeff Passan reporting on the Red Sox' asking price for Jarren Duran - which appear to be lofty. Is Craig Breslow having a hard time cultivating better relationships with other front offices?(26:50) Which league had a better Christmas sports day? - The NFL or NBA? The guys vent about sports being played on Christmas. Callers weigh in everything discussed.(38:24) What's the proper etiquette in the timing of the disposal of one's Christmas tree? Producer Jorge has a Grinch-like take as the guys deliberate. Please note: Timecodes may shift by a few minutes due to inserted ads. Because of copyright restrictions, portions—or entire segments—may not be included in the podcast.For the latest updates, visit the show page on 985thesportshub.com. Follow 98.5 The Sports Hub on Twitter, Facebook and Instagram. Watch the show every morning on YouTube, and subscribe to stay up-to-date with all the best moments from Boston's home for sports!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Introduction December 27th brings sudden urgency—just four days remain to implement critical year-end financial strategies that could save thousands in taxes, reduce portfolio risk, and position retirement accounts for 2025 success. Most people spend more time planning vacations than reviewing their largest asset: their retirement portfolio. But the market’s strong multi-year run has created hidden dangers in 401(k) accounts, particularly for those approaching retirement who haven’t rebalanced in years. In this episode of The Tom Dupree Show, Tom Dupree and Mike Johnson provide an essential year-end checklist covering portfolio drift, account consolidation, tax-smart charitable giving, target date fund dangers, and fraud protection as scam season intensifies. Portfolio Drift: The Silent Risk Multiplier What Five Years Did to Your 401(k) If you established a 60/40 portfolio (60% stocks, 40% bonds) five years ago and never rebalanced, you’re sitting on dramatically more risk than intended. “If you had a 60-40 split in 2020, today you’re at about 76% stocks if you’ve made no changes,” Mike Johnson explained. “And your account’s worth 20 or 30% more, so there’s more dollars at stake, at risk.” The drift problem: Stocks outperformed bonds over five years Your stock allocation grew from market gains Total account value increased substantially Risk exposure multiplied Example: $500,000 in 2020 (60% stocks = $300,000) is now $650,000 with 76% stocks = $494,000 in equities. Your stock exposure grew 65%. S&P 500 Concentration Risk “About 40% of the S&P 500 is allocated to tech and high multiple stocks,” Mike noted. “If it’s been on autopilot, now is as good a time as any to look at it critically.” Market Corrections Are Inevitable “On average, every year you have a 10% drop in the market. That’s just the cost of admission,” Mike explained. “We had one back in April—it was closer to 20%. You were looking at 40, 50% drops in some things.” “A lot of people have forgotten how—and even that they should—play defense, especially when you’re getting close to retirement,” Mike cautioned. Year-end action: Check your actual allocation today. If stocks exceed your risk tolerance, rebalance before December 31st. Account Consolidation: Simplify Now The Multiple Account Problem “People’s thinking is, if I have this account over here and this account over here, I’ve got more money,” Tom observed. “When they consolidate those accounts, every one of those five pieces put together as one is gonna get managed better.” Hidden Costs of Scattered Accounts “It’s really hard to track performance if you have multiple accounts,” Mike explained. “It’s much simpler, much more accountable when it’s all consolidated together.” Problems with scattered accounts: Impossible to track overall performance Multiple RMD calculations Complex tax reporting Higher fees (missing breakpoint discounts) Poor overall portfolio coordination Mike’s consolidation benefits: “Proper investment to reach your goals, performance tracking, tax reporting, tax planning, and possible discounts on fees.” Year-end action: List all retirement accounts—schedule consolidation to simplify 2025 RMDs and reduce fees. Tax-Smart Year-End Strategies Strategy 1: Gift Appreciated Stock “Let’s say you give $10,000 a year to charity. You can gift those appreciated shares of stock to the organization,” Mike explained. “You can put that money right back into your brokerage account and reinvest it. You could even repurchase the same stock.” The double benefit: Charitable deduction for full market value Avoid capital gains tax on appreciation Example: Stock purchased for $4,000, now worth $10,000. Gift it, avoid $6,000 capital gain, use the $10,000 cash to buy it back. Strategy 2: Qualified Charitable Distribution “If you’re of the age where you have required minimum distributions, you can do a qualified charitable distribution,” Mike explained. “If you gift the RMD straight to the charity, it never flows through as taxable income to you.” QCD advantages: Counts toward RMD requirement Reduces adjusted gross income Lowers Medicare premiums Reduces taxes on Social Security Works even if you don’t itemize Year-end deadline: Execute stock gifts or QCDs before December 31st to count for 2024 taxes. The In-Service Rollover: Plan Three Years Ahead Act at Age 59½—Even While Working “At 59 and a half, you can do what’s called an in-service rollover,” Mike explained. “Even if you’re still employed and working, you can move over the balance of your 401(k) to an IRA and invest it more specifically for your situation.” The Three-Year Retirement Transition “Let’s say you’re 59 and a half and planning on retiring at 62. You can do that rollover, get the funds invested into an income-producing portfolio,” Mike detailed. “While you’re working, that income just reinvests back in. But when you hit 62, that portfolio’s already in place, it’s already working, and literally it’s linked to your checking account.” Tom emphasized the benefit: “It makes the retirement process more comfortable because you’re not leaving work and at the same time coming in brand new, getting comfortable with our investment approach. You’ve planned for it.” The seamless transition: Portfolio established 2-3 years before retirement Dividends reinvest while still working At retirement, switch to income payout mode No adjustment period or uncertainty Year-end action: If age 59½+, investigate in-service rollover options. Target Date Funds: Hidden Dangers The Collective Investment Trust Problem “52% of the assets in target date funds—over $2 trillion—are now in collective investment trusts,” Mike reported. What makes CITs dangerous: “A collective investment trust—they’re not required to register with the SEC,” Mike explained. “They don’t have to report, as transparently, all the internal fees. And they’re allowed to hold more illiquid investments inside of them.” The Blue Rock Disaster “There was a private real estate fund—the Blue Rock Total Income Fund,” Mike detailed. “The net asset value when it was private was about $24 a share. They decided to go public. The fund closed the day it went public at $14.70.” Investor loss: 39% immediately when real market pricing was revealed. “The NAV was bogus. It was totally bogus,” Mike concluded. The Vanguard-TIAA Annuity Trap “Vanguard announced they’re partnering with TIAA, and the target date fund automatically enrolls the investor in an annuity,” Mike reported. “What they’re hoping is that these people that have been on autopilot for 40 years—they’re not gonna change from being on autopilot at year 41,” Mike explained. “It’s just gonna automatically roll into these annuities. This is a money grab to keep the assets locked in.” Why Dupree Financial Group Avoids Them “We don’t use target date funds. We don’t like what the target date fund does to the client’s return,” Tom stated. “It’s about having all your money in one spot the day you retire. That money doesn’t need to be in one spot. It needs to be growing and throwing off dividends.” Mike: “The target date’s all based on historical averages. It doesn’t take into account what’s going on in the market or your situation.” Year-end action: If in a target date fund, research what’s actually inside it before the “glide path” continues. Year-End Fraud Alert: Peak Scam Season The January-February Surge “This time last year, at the first of the year, was one of the biggest fraud pushes that we’ve seen,” Mike warned. “As we get close to the end of the year, be diligent and protect yourself.” Sophisticated Team Operations “These fraudsters are very convincing. They sound like us. They sound like an advisor,” Mike explained. “They’ll bring somebody onto the line. They’ll keep people on the line for three hours. They’ve gotten used to handling objections.” Real Client Losses “We heard two in a row from our clients—older women, same amount: $10,000 each,” Tom recounted. “One woman could afford it. The other one really couldn’t.” The Defense Strategy “The first line of defense is you, the client,” Mike stated. “If you have something that pops up on your screen—don’t click there. If somebody calls—call somebody. Call a trusted person. If you’re a client of ours, call us. But do not take action on any of these things.” Critical warning: “Do not verify within their ecosystem. They say, ‘We’ll let you verify,’ and then they transfer you. They’re all working together.” Tom’s advice: “Get off the phone or don’t click on things and get somebody that you trust to find out exactly what’s going on.” Year-end vigilance: Never click pop-ups, never transfer money based on calls, always verify independently. Your Year-End Action Plan Critical Tasks Before December 31st ✓ Check portfolio drift – Verify stock/bond allocation matches risk tolerance ✓ Rebalance if needed – Reduce risk before 2025 ✓ Execute charitable strategies – Gift stock or make QCD before deadline ✓ Consolidate accounts – Simplify RMDs and reduce fees ✓ Research in-service rollovers – If 59½+, investigate options ✓ Review target date funds – Understand holdings before glide path continues ✓ Increase fraud vigilance – Peak scam season protection Questions Before Year-End What’s my actual current allocation? How many retirement accounts do I have scattered? Am I missing tax-saving charitable strategies? Do I understand what’s in my target date fund? Am I 59½+ with rollover options available? The Bottom Line With days remaining in 2024, retirement investors face critical decisions affecting taxes, risk exposure, and 2025 positioning. Portfolio drift has likely pushed your stock allocation far beyond original intentions. Target date funds may contain illiquid investments, opaque fees, and automatic annuitization. But opportunities exist: tax-smart giving, consolidation, in-service rollovers, and rebalancing. “All of these things fit into more of a holistic long-term retirement financial plan,” Mike concluded. “You want everything moving in the right direction to accomplish your goals.” Schedule Your Portfolio Review Is your portfolio drifted into dangerous territory? Missing tax-saving strategies? Approaching retirement without a transition plan? Call (859) 233-0400 or schedule your complimentary portfolio review. Dupree Financial Group – Where we make your money work for you. Important Disclosures Dupree Financial Group is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). This content is for informational purposes only and does not constitute investment advice, tax advice, or a solicitation. Past performance does not indicate future results. All investments involve risk, including potential loss of principal. Tax strategies should be reviewed with a qualified tax professional. Before making investment or tax decisions, consult qualified professionals. For more information, review our Form ADV Part 2A at www.adviserinfo.sec.gov or call (859) 233-0400. The post Year-End Financial Planning Checklist: Critical Actions Before December 31st appeared first on Dupree Financial.

Clara har råkat trilla över en entreprenör av sällan skådat slag och uppmanar kvinnor att ha sämre underlivshälsa som hämnd. Carin berättar om en tant som känner sig lurad av Viagra. Slutligen visar det sig att nästan alla människor drömmer om att fisa andra människor i ansiktet. Följ oss på Instagram Carin @ihelveteheller Clara @clarulk Gå med i vår Facebookgrupp https://www.facebook.com/groups/288921750711816/ Podden produceras av Gamang

In this comprehensive training session from the symposium, Tony Gonzalez, Training Director at Fieldpiece, delivers an engaging and practical guide to combustion analysis for HVAC technicians. With 25 years of experience at Fieldpiece—from warehouse worker to training director—Tony brings both technical expertise and real-world application to this 50-minute interactive session focused on the company's CAT 85 combustion analyzer. Tony emphasizes that combustion analysis serves four critical purposes: safety, efficiency, equipment specification verification, and liability protection. He makes a compelling business case for investing in combustion analyzers, noting that preventing just two callbacks or one liability lawsuit can pay for the equipment ten times over. The training walks attendees through the complete process, from properly warming up the analyzer in fresh air (allowing sensors to calibrate to ambient oxygen and zero carbon monoxide) to generating professional PDF reports that can be shared with customers or integrated into work order management systems like ServiceTitan. The session provides detailed guidance on interpreting key measurements, including stack temperature, oxygen percentage, carbon monoxide levels, and draft pressure. Using design parameters from the National Comfort Institute, Tony demonstrates how to diagnose issues by comparing actual readings against acceptable ranges for different furnace types (atmospheric, 80% induced fan, and 90+ percent condensing). He walks through practical troubleshooting scenarios, showing how measurements like high oxygen combined with low stack temperature can point to specific problems like low gas pressure that technicians can then verify and correct. Throughout the presentation, Tony emphasizes proper technique and best practices, from creating test ports at least 12 inches above the inducer fan to the importance of plugging test ports after completion. He also highlights innovative features of Fieldpiece's analyzers, including the hydro cycle pump that eliminates traditional water traps, sensor vault technology that extends sensor life to four years, and built-in wireless connectivity allowing technicians to view measurements on their mobile devices through the Job Link app. Topics Covered: Why perform combustion analysis: Safety verification, efficiency optimization, OEM specification compliance, and liability protection Business benefits: Reducing callbacks, improving OEM relationships, enhancing professional image, and protecting against lawsuits Proper startup procedure: Warming up analyzers in fresh air for accurate oxygen and CO sensor calibration Ambient CO testing: Using combustion analyzers vs. dedicated walk-around detectors for carbon monoxide detection in living spaces Test port installation: Proper placement at least 12 inches above inducer fans and away from 90-degree elbows Key measurements explained: Stack temperature, oxygen percentage, CO PPM, CO air-free, draft pressure, and efficiency calculations Equipment type selection: Choosing correct settings for atmospheric, 80% induced fan, or 90+ percent condensing furnaces Diagnostic interpretation: Using National Comfort Institute parameters to identify issues like excess combustion air or low gas pressure Advanced features: Built-in dual port manometer for gas and static pressure, wireless Job Link app connectivity, and hydro cycle pump technology Report generation: Creating professional PDF reports with company branding for customer documentation and CYA protection Maintenance tips: Checking particle filters, understanding sensor vault technology, and the importance of annual calibration Sensor longevity: Four-year sensor life warranty and field-replaceable sensors without sending equipment for service   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

Today is day 359 and we are studying the section on Justification and Sanctification: Living in Forgiveness and Healing. 361. Does God's forgiveness excuse you from personal obedience? No. God has reconciled me to himself and freed me from bondage to sin in order to conform me to the image of his Son. As I live each day in gratitude for God's forgiveness, I seek to turn from sin and follow Christ in loving obedience. (John 14:15–24; Romans 6:1–14; 2 Corinthians 5:14–15; 1 John 3:4–10) We will conclude today by praying Proper 24 found on page 621 of the Book of Common Prayer (2019). If you would like to buy or download To Be a Christian, head to anglicanchurch.net/catechism. Produced by Holy Trinity Anglican Church in Madison, MS. Original music from Matthew Clark. Daily collects and Psalms are taken from Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved. Catechism readings are taken from To Be a Christian - An Anglican Catechism Approved Edition, copyright © 2020 by The Anglican Church in North America by Crossway a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

*Cattle supplies may get tighter in 2026.    *Animal behavior specialist Temple Grandin would like to change the way we think about thinking.*Agricultural trade has a lot of acronyms.*Voluntary country of origin labeling will face stronger enforcement in 2026.  *Proper nutrition for the cow herd is so important as we move into the coldest time of the year.  *Careful antibiotic use is important in both human and animal medicine.  

Yo ho ho, for our listeners dearestWe present an antibiotics tier list Ranking drugs from S to DIn a manner oh so ChristmassySo sit back relax and have a drink As we discourse in cladist thinkAnd if you rank a different wayWe'll forgive you this Christmas day. Proper episodes next year. See you in 2026!  Support the showQuestions, comments, suggestions to idiotspodcasting@gmail.com or on Bluesky @idiots-pod.bsky.socialPrep notes for completed episodes can be found here (Not all episodes have prep notes).If you are enjoying the podcast please leave a review on your preferred podcast app!Feel like giving back? Donations of caffeine gratefully received!https://www.buymeacoffee.com/idiotspod

Today is day 358 and we are studying the Section on Justification and Sanctification: Living in Forgiveness and Healing. 359. What do you receive through Christ's sacrifice? I receive the unmerited gift of God's grace. If I confess my sins, God grants me forgiveness and pardon through Christ's blood shed for me. (Psalm 32:1–2; Isaiah 53:10–11; John 3:16–18; 2 Corinthians 5:19–21; Hebrews 9:11–15; 1 John 1:8–9; 2:1–2) 360. How does God enable you to live in his forgiveness? Through faith, repentance, and Baptism, I am made a member of Christ, a child of God, and an heir of the kingdom of heaven. Washed of sin and united to Christ, I am “justified,” being declared righteous by God, and I am given the grace to live continually in repentance and faith. (Psalm 130:4; John 15:26–16:1; Acts 22:16; Romans 5:12–21; Titus 3:3–8) Our prayers today are the Collect for Friday of Easter Week found on page 611 and Proper 21 on page 620 of the Book of Common Prayer (2019). If you would like to buy or download To Be a Christian, head to anglicanchurch.net/catechism. Produced by Holy Trinity Anglican Church in Madison, MS. Original music from Matthew Clark. Daily collects and Psalms are taken from Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved. Catechism readings are taken from To Be a Christian - An Anglican Catechism Approved Edition, copyright © 2020 by The Anglican Church in North America by Crossway a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

Kurlee Daddee x GMacbeth x Shoebox Proper - The Holiday

Unlock the secrets to safe and effective weightlifting in this can't-miss encore episode of the “NASM CPT Podcast.” Join award-winning host Rick Richey as he dives deep into the real-world techniques every fitness professional need to master proper spotting. Whether you're a personal trainer, an aspiring coach, or a gym enthusiast, you'll discover actionable tips that go way beyond basic safety. Are you tired of vague advice like, “just be there if they need you”? Rick exposes why spotting is much more than common sense—it's an art that requires communication, precision, and the right kind of touch. Learn why he has strong opinions about bench press spotting, the crucial "I got it" cue to prevent injuries (and lawsuits!), and what to do—and what never to do—when it comes to squats, deadlifts, dumbbell chest presses, and more. Curious if you're making rookie mistakes, like elbow spotting instead of the safer wrist approach? Want to know how to handle awkward moments during squatting, or how to help a client bail safely from a failed lift? Dr. Richey covers all this with real stories, practical cues, and strategies you can use in your next session. Don't just train your clients—protect them and your reputation. Hit play now and gain insight into spotting techniques that set top trainers apart. Like, subscribe, and share to empower your fitness community with knowledge that truly safeguards success. If you like what you just consumed, leave us a 5-star review, and share this episode with a friend to help grow our NASM health and wellness community! The content shared in this podcast is solely for educational and entertainment purposes. It is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek out the guidance of your healthcare provider or other qualified professional. Any opinions expressed by guests and hosts are their own and do not necessarily reflect the views of NASM. Introducing NASM One, the membership for trainers and coaches. For just $35/mo., get unlimited access to over 300 continuing education courses, 50% off additional certifications and specializations, EDGE Trainer Pro all-in-one coaching app to grow your business, unlimited exam attempts and select waived fees. Stay on top of your game and ahead of the curve as a fitness professional with NASM One. Click here to learn more. https://bit.ly/4ddsgrm

Ken Carman and Anthony Lima start talking Browns and Shedeur Sanders by figuring out how to properly grade his performances before they discuss if Sanders being a "serviceable" quarterback is good enough for the Browns next year.

Pool Pros text questions hereIn this conversation, Paulette and Andrea discuss their recent hiatus due to personal losses and the challenges faced in pool maintenance. They delve into the importance of understanding the Langelier Saturation Index (LSI) and its role in water chemistry, emphasizing the need for proper water balance to prevent issues like scaling and corrosion. The discussion also covers practical tips for maintaining pools, particularly in relation to salt systems and common misconceptions about water chemistry.takeawaysThe recent hiatus was due to personal losses.Understanding LSI is crucial for pool maintenance.Proper water balance enhances disinfection and swimmer comfort.Calcium hardness and total hardness are different measurements.Salt systems can contribute to scaling issues in pools.Regular testing of water chemistry is essential for pool care.Cyanuric acid affects total alkalinity calculations.Temperature impacts water chemistry and LSI.Maintaining a balanced LSI prevents corrosion and scaling.Communication with clients about pool care is vital.Sound Bites"We had a lot going on.""It was really super sudden.""I had no one had taught me it."Chapters00:00Introduction and Personal Updates02:40Dealing with Loss and Challenges11:44Understanding LSI and Water Balance14:40Importance of Proper Water Chemistry17:30Exploring Calcium and Stabilizer Levels19:31The Langelier Saturation Index Explained22:07Practical Applications of LSI in Pool Maintenance32:19Understanding Pool Chemistry and Its Impact35:05The Importance of the LSI in Pool Maintenance38:11Navigating Alkalinity and Acid Adjustments41:21Total Dissolved Solids: Myths and Realities43:24Calculating the LSI: Tools and Techniques46:46Challenges with Salt Pools and Scaling Issues54:32Final Thoughts and Future Directions Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Today is day 357 and we are studying the Section on Justification and Sanctification: Living in Forgiveness and Healing. 357. Is it possible for you to keep these commandments? No. I fail to keep them perfectly, however hard I try. They show me my inability to obey God's Law and my need for God's grace in Christ Jesus. (1 Kings 8:46; Psalms 53:2–3; 130:3; Proverbs 20:9; Ecclesiastes 7:20; Romans 3:9–20; 1 John 1:8, 10) 358. Since you cannot perfectly keep God's Law, what has Jesus done on your behalf? As the perfect human and unblemished Lamb of God, Jesus lived a wholly obedient and sinless life. He suffered death for my redemption upon the Cross, offering himself once for all as a “full, perfect, and sufficient sacrifice, oblation, and satisfaction for the sins of the whole world.” (“Holy Communion, Anglican Standard Text,” Book of Common Prayer 2019; see also Isaiah 53:4–6; Mark 10:45; John 1:29; Romans 8:3–4; Colossians 2:13–15; Hebrews 10:10–14) Our prayers today are Proper 17 found on page 619 and The Pascha Nostrum on page 16 of the Book of Common Prayer (2019). If you would like to buy or download To Be a Christian, head to anglicanchurch.net/catechism. Produced by Holy Trinity Anglican Church in Madison, MS. Original music from Matthew Clark. Daily collects and Psalms are taken from Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved. Catechism readings are taken from To Be a Christian - An Anglican Catechism Approved Edition, copyright © 2020 by The Anglican Church in North America by Crossway a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

Etiquette expert and President of Mannersmith Etiquette Consulting Jodi R.R. Smith joins Lisa Dent to share some of the rudest things you can do when being a guest in someone’s home this holiday season.

We're Yas and Phil dissect England's latest Ashes defeat, discuss Brendon McCullum's position, the structural problems with English cricket and more. 0:00 Timothy Taylor's / 0:50 Intro / 2:51 Brendon McCullum / 20:21 Australia / 30:37 Wisden POTY / 31:16 Structural issues / 46:23 NV Play / 57:55 Outro

Recorded Live from Bricks, London on Saturday 20th December 2025.

CHRISTMAS FUN WITH YOUR MULE - MEREDITH HODGES - LUCKY THREE RANCHListen to creative ways to enjoy your mule in the winter months.Care properly for your mules in the wintertime.How to know if your mule needs a winter blanket. Healthy hair coats do not require a blanket.Proper shoes for riding in the snow. Winter clinics and activities for you and your mule.Dressing up for Christmas parades.Giving animals as gifts is generally not a good idea.Merry Christmas to all our listeners! Mule Talk is an Every Cowgirl's Dream production - www.EveryCowgirlsDream.Com www.MuleTalk.Net Meredith Hodges Interviews: www.LuckyThreeRanch.Com/Podcast-Appearances/

Kurlee Daddee x Zak1 x GMacbeth x Shoebox Proper - Gettin Down For Christmas by Kurlee Daddee Productions

TRADE SEMINARS, HEALTH INSPECTIONS, AND A PROPER DESK Colleague Oliver Darkshire. The guest describes attending a trade seminar in York, noting that booksellers are typically reclusive rather than social. He recounts a health and safety inspection that left the official in a "fugue state" due to the shop's conditions. Finally, Oliver celebrates eventually receiving a desk he fits under. NUMBER 4 1896 iIRELAND

Your body is the only place you have to live. Isn't it time to start listening to what it's telling you?Dr. Sherry McAllister, President of the Foundation for Chiropractic Progress and author of "Adjusted Reality," joins Brigitte Cutshall to discuss the transformative power of chiropractic care. Both women share their journeys from a debilitating car accident to discovering drug-free healing through proper spinal alignment. Dr. McAllister explains how modern sedentary lifestyles, poor posture, and daily choices impact our nervous system and overall wellbeing. 3 Key Takeaways:(1) Prevention over reaction. Chiropractors focus on keeping you healthy rather than just treating illness, addressing the root cause of discomfort before it becomes chronic pain or disease.(2) Small daily choices compound. Everything from your shoes and pillow to your desk setup and posture affects your body's alignment; making one small improvement each day creates significant change over time.(3) The body heals itself. Proper nervous system alignment enables your body's natural healing abilities to function optimally, often eliminating the need for pain medication and supporting overall vitality.Find a chiropractor near you at https://f4cp.org/findadoctorLearn more about preventative care and optimal living at https://f4cp.org/adjustedreality and to get Dr. McAllister's book.

Today is day 355 and we are studying The Tenth Commandment. 355. What did Jesus teach about this commandment? Jesus taught us not to seek anxiously after possessions, but to put our trust in God; and he showed us how to live by taking the form of a servant, and loving and trusting his Father in all things. (Matthew 6:19–34; Acts 8:9–24; Philippians 2:3–11) We will conclude today by praying Proper 26 found on page 622 of the Book of Common Prayer (2019). If you would like to buy or download To Be a Christian, head to anglicanchurch.net/catechism. Produced by Holy Trinity Anglican Church in Madison, MS. Original music from Matthew Clark. Daily collects and Psalms are taken from Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved. Catechism readings are taken from To Be a Christian - An Anglican Catechism Approved Edition, copyright © 2020 by The Anglican Church in North America by Crossway a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

Mark Butcher joins Yas Rana to discuss Australia's victory at Adelaide - one that ensured their retention of the Ashes.

In Acts 20:17–38, Paul gathers the elders of the church in Ephesus for a deeply emotional farewell. As he reflects on their shared ministry, he reminds them of the whole counsel of God, calls them to repentance and faith, and entrusts them to shepherd God's church with vigilance and love. This sermon explores thankful sorrow, faithful leadership, and the hope-filled reality that God sovereignly guides our comings and goings—even through grief—for His glory and our good.

Living Emunah 2867 The Perfect Measure of Hishtadlut The Midrash at the beginning of this week's parashah says: אַשְׁרֵי הַגֶּבֶר אֲשֶׁר שָׂם ה' מִבְטַחוֹ "Fortunate is the man who places his trust in Hashem." This refers to Yosef, who wholeheartedly trusted in Hashem. The Midrash continues: וְלֹא פָנָה אֶל רְהָבִים — "and he did not turn to the arrogant," which also refers to Yosef, who did not rely on the Sar HaMashkim for help when he was in jail. Yet it also says that because Yosef told the Sar HaMashkim, זְכַרְתַּנִי — "remember me," נִתוֹסַף לוֹ שְׁתֵּי שָׁנִים — two more years were added to his sentence. The mefarshim ask: the Midrash seems to contradict itself. On one hand, it praises Yosef for relying only on Hashem and not on the Sar HaMashkim; on the other hand, it says he was punished for asking the Sar HaMashkim to remember him. Furthermore, the word נִתוֹסַף sounds positive — like תּוֹסֶפֶת כְּתֻבָּה — as if staying longer in prison was somehow beneficial. Rav Leib Diskin explained the following. There is a pasuk in Mishlei: בְּטַח אֶל ה' בְּכָל לִבֶּךָ וְאֶל בִּינָתְךָ אַל־תִּשָּׁעֵן "Trust in Hashem with all your heart, and do not rely on your own understanding." (Mishlei 3:5) The Gaon explains that this pasuk refers to the highest form of bitachon — when a person needs no hishtadlut at all, like Chizkiyahu HaMelekh, when Hashem wiped out 185,000 soldiers while Chizkiyahu slept in his bed. But there is another pasuk: וּבֵרַכְתִּיךָ בְּכֹל אֲשֶׁר תַּעֲשֶׂה "I will bless you in all that you do." (Devarim 15:18) From here we learn that we must act , and then Hashem will bless our efforts. This sounds like full hishtadlut is always required, contradicting the pasuk in Mishlei. Then there is a third pasuk in Tehillim that reconciles the two: גּוֹל אֶל־ה' דַּרְכֶּךָ וּבְטַח עָלָיו וְהוּא יַעֲשֶׂה "Roll your way upon Hashem, and trust in Him, and He will do." (Tehillim 37:5) The word גּוֹל — roll — is the key.: משל למה הדבר דומה ? If someone wants to roll a barrel down a hill, all he must do is give it the initial push — and then it rolls on its own. This is how our hishtadlut must be viewed. We give the minimal beginning effort, showing that we know Hashem is the One accomplishing everything afterward. But if a person keeps checking every second to ensure the barrel rolls exactly as he wants, then he believes that his push is what makes everything happen, and he thinks he must constantly control the outcome. Proper hishtadlut means giving an effort that demonstrates that we recognize that Hashem is the One accomplishing.. That was Yosef's level. It was clear hashgachah that the Sar HaMashkim was placed with Yosef in jail, that Hashem gave him a dream, and that Yosef could interpret it. Yosef did not feel on the level of Chizkiyahu to do nothing, but he also did not want to engage in full hishtadlut. Therefore, he did not plead with the Sar HaMashkim. Instead, he minimally said כי אם זְכַרְתַּנִי — "If you happen to remember this episode, then mention me to Par'oh." He remained calm, composed, and made the smallest gesture that showed he believed his role was merely to begin the process — and Hashem would handle the rest. The Maharil Diskin says: Had Yosef done too much hishtadlut — pushing, begging, strategizing — he might have been released immediately. And perhaps he would have returned to his family. But then Ya'akov and the Shevatim would have had to come to Mitzrayim in chains. Because Yosef made the correct hishtadlut, Hashem allowed him to remain the extra two years — until Par'oh would have the dream that would elevate Yosef to become the viceroy of Egypt. Thus, the Midrash fully praises Yosef for the quality of his hishtadlut. The lesson for us is clear. We must be careful never to overdo our hishtadlut in ways that make us believe we control outcomes. If someone pleads for help in a desperate, panicked tone, he is showing that he thinks the results depend on him. If someone constantly emails a buyer until he gets a response, he thinks it is his pressure that will determine the sale. He may indeed get the response — but had he simply begun the process in the right way, he would have gotten the same outcome without the excess hishtadlut that is against Hashem's will. May Hashem help us realize always that He is the One who accomplishes everything, enabling us to make only the hishtadlut that He desires from us. Shabbat Shalom.

Pool Pros text questions hereIn this episode, Rudy Stankowitz dives deep into the complexities of pool chemistry, particularly focusing on chloramines and breakpoint chlorination. He shares personal anecdotes, discusses industry events, and answers listener questions about lagoon pools versus traditional pools. The conversation emphasizes the importance of understanding water treatment processes and the misconceptions surrounding chloramines in swimming pools.takeawaysChloramines are a persistent issue in pool maintenance.There is no singular solution to eliminate chloramines.Proper water chemistry and airflow are crucial for pool health.Lagoon pools operate differently than traditional pools.Breakpoint chlorination is often misunderstood in the industry.Organic chloramines are more challenging to eliminate than inorganic ones.Superchlorination can sometimes worsen combined chlorine issues.Understanding the chemistry behind pool maintenance is essential.Municipal water treatment can impact pool water quality.Effective pool management requires ongoing education and adaptation.Sound Bites"It's a matter of dollars.""Check it out. Phenomenal.""Somebody screwed up the math."Chapters00:00Holiday Greetings and Reflections01:21Chloramines: Understanding the Challenge03:10Upcoming Speaking Engagements and Industry Events10:03Personal Experiences: Dining and Ghost Hunting12:53Listener Questions: Natural vs. Traditional Pools20:51Breakpoint Chlorination: Myths and Realities40:33Closing Thoughts and Future Episodes Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Pool Pros text questions hereIn this episode of Talking Pools, Wayne shares his harrowing experience with a cardiac event that nearly cost him his life. He discusses the support he received from his family and medical professionals, reflecting on the importance of health and recovery. The conversation then shifts to the implications of such health scares on life perspectives and the lessons learned. The hosts also delve into the complexities of insurance, particularly regarding hazmat liability in the pool service industry, emphasizing the need for proper coverage. Finally, they address communication challenges within the pool service team, highlighting the importance of clear communication with clients and among team members to ensure smooth operations and maintain trust.takeawaysWayne experienced a cardiac event that was life-threatening.The importance of immediate medical response and support from family.Health issues can change one's perspective on life.Insurance coverage is crucial for pool service businesses.Communication is key in maintaining client relationships.Employees must be responsible and communicate effectively.Trust between employers and employees is essential.Health scares can serve as wake-up calls for better self-care.Proper training and communication can prevent misunderstandings.It's important to engage with listeners and share experiences.Sound Bites"I am the walking dead right now""It's the weird stuff that happens""You can't babysit your employees"Chapters00:00Wayne's Health Scare: A Personal Journey05:51Recovery and Reflections on Life11:30Understanding Cardiac Events and Their Impact14:36Insurance Insights: Protecting Your Business20:39Communication Challenges in Pool Service32:31Navigating Employee Responsibility and Trust Roof Top Innovations the leading Roofing Company in Waco, Tomball surrounding areasWe focus on all types of roofing systems, with a focus on the best quality possible.Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Arisa B from Boston and sober in 1993 is sharing at The Fellowship of the Spirit Step 11 speaker series meeting on the topic of: It works if we have the proper attitude and work at it. She was referencing the Big Book p86 and this was recorded in April of 2022. Zoom Support Sober Cast: https://sobercast.com/donate Email: sobercast@gmail.com Sober Cast has 3000+ episodes available, visit SoberCast.com to access all the episodes where you can easily find topics or specific speakers using tags or search. https://sobercast.com

Episode 160: of the American Grown Podcast in the Colortech Creative Solutions studios with returning guest, 2o Year Navy Vet & Founder of Triggered 22 Rebekah Gundrum.In this episode, we have returning guest Rebekah Gundrum a United States Navy veteran, founder of Triggered22, and voice for veteran awareness and support. Rebekah first appeared on Episode 33, and since then she's continued to grow her mission-driven apparel brand and deepen her impact in the veteran community.Triggered22 was born from Rebekah's own experiences with PTSD and the urgent need to bring attention to veteran mental health. Named after her service dog & the often-quoted statistic that 22 veterans per day tragically die by suicide, Triggered22 stands for awareness, advocacy, and action — working to create meaningful support, conversation, and connection for service members and their families.Triggered 22 HAS THE BEST BLANKETS IN THE WORLD.SHOW SPONSORS:College Knowledge Foundation. Your path to higher education.Cleona Coffee Roasters. A small batch coffee roastery & coffee shop, veteran & first responder owned located inside 911 Rapid Response in Annville PA.Angelo's Pizza. Enjoy mouthwatering Italian dinners.Triggered 22. Support a local veteran and help spread awareness for PTSD & #22aday.Hossler Engraving. Looking for unique handcrafted gifts for all occasions Zach has you covered.Modern Gent Customs. We don't make basics...We make statements.Hains Auto Detailing. Have your car smiling from wheel to wheel.A&M Pizza. Authentic Italian quality meals.Boyer's Tavern. Proper food & drinks made by slightly improper people.Sip or Snack break.SIP: Garage Beer.SNACK: Jurgy.OFFICIAL STUDIO SPONSOR: Colortech Creative Solutions takes your creative projects from visualization to realization. We've been doing so since 1980 all while keeping your budget in mind.To see photos of today's guest follow on social media:IG: AmericanGrownPodcastFB: American Grown Podcast or visits us at American Grown Podcast

What happens after the shot matters just as much as the hunt itself.In this episode of Delta Waterfowl's Voice of the Duck Hunter,  Joel Brice sits down with Blake Robbins, a graduate student in meat science at Oklahoma State University, and Dr. Morgan Pfeiffer, professor of Animal & Food Sciences, to break down best practices for caring for waterfowl meat from field to table.Whether you're a new hunter chasing sustainable, natural food or a seasoned waterfowler looking to improve meat quality, this conversation covers:          -Proper meat care after the hunt          -Common mistakes that ruin duck and goose meat          -Preservation techniques between cleaning and cooking          -How science meets tradition in wild game nutritionIf you care about honoring the bird, the hunt, and the meal that follows — this episode is for you.Website and Social Media Links:Delta Waterfowl: https://deltawaterfowl.orgFacebook: /DeltaFans/Instagram: https://www.instagram.com/deltawaterfowl/Twitter: https://twitter.com/DeltaWaterfowl/Delta Waterfowl: https://deltawaterfowl.org Facebook: https://www.facebook.com/DeltaFans/ Instagram: https://www.instagram.com/deltawaterfowl/Twitter: https://twitter.com/DeltaWaterfowl/

One of the key areas that separates those who lead and those who follow is the ability and willingness to make difficult decisions. Many times you don't learn this, until it's decision time...and you see all of the heads turning...and looking towards you and saying, "Well?" In many cases, your teams, and those who are following you aren't even requiring the perfect decision. They just need you to decide. However, these are important decisions, so you want to make the best ones possible for the benefit of your customers, your staff, and your business.  Proper decision making skills require instincts you develop over time. They depend on you growing the courage you must have to excel as a leader. Join Michael and Jim as they share strategy that will assist you in being an excellent decision maker.

Get Unrestricted: https://www.dopeasusualpodcast.com/unrestricted Discounts: https://www.dopeasusualpodcast.com/sponsors Chapters: 00:00 Intro 05:03 Growers have egos like LeBron James 06:29 Proper update 07:33 A Proper challenge 09:53 Hemp ban 14:22 Guests 16:28 Monsanto weed 16:56 Yola family dysfunction 20:14 Don't get mad 21:03 Marty eating turkey for the first time in 20 years 22:37 Marty m*shroom trip 30:34 Bouncer at the pearly gate 33:37 Gerbiling 39:22 Fear and Loathing breakdown 41:20 April's 40th birthday party 42:58 Story: Roberson Glass podcast in Denver 43:39 Lil Baby bong 45:59 Story: Driving in Denver 49:01 Yola scammer reveal 01:11:58 RuPaul's Drag Race 01:14:04 Yola transforms into Kim Jong-un 01:15:54 How Mexicans get dogs Thank you for watching Revealing the Truth on DOPE AS USUAL Podcast! #dopeasusual #podcast #reveal Learn more about your ad choices. Visit megaphone.fm/adchoices

Paul and Jay talk through the news of the day, Paul's story about the Bengals trending toward bringing back both Zac Taylor and Duke Tobin. -The sea was angry that day, my friends-Next live show at BetMGM is before the Arizona game-Burrow will play the final 3 games-Paul's story on Duke Tobin, Zac Taylor, Al Golden and the chances of running it back-Camargo Insurance Run, Pass, or Boot-Support Power Stacks! -Mo Egger of ESPN1530 joins: What emotion does the idea of running it back elicit?-Proper view of the snow/gate debacle-Jay's Got meaningless game stats-Growler Bet results-ARBIES and Graeter's Worthy join forcesWatch and subscribe on YouTube: https://www.youtube.com/@TheGrowlerPodcastThe Growler on Apple Podcasts: https://podcasts.apple.com/us/podcast/the-growler/id1733476604The Growler on Spotify: https://open.spotify.com/show/70iJjqgPQrVzQ2pdOwVvDYLinks to socials, Growl Pal shirts, YouTube, podcast platforms and more: www.thegrowlerpodcast.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A little later than usual, but recorded just before the wild Manchester United v Bournemouth game (sorry!), Musa and Ryan quickly round-up some big results from the weekend around Europe (03:24), including the Premier League, Real Madrid getting back to winning ways, St. Pauli getting their first Bundesliga since September and much more. Then it's onto the trip from this weekend (17:11), where they visited Venezia for their win over Monza and then San Siro for Milan's draw against Sassuolo. It was the first time that Musa and Ryan had visited both the Stadio Pier Luigi Penzo and San Siro, so they chat about the uniqueness of both, the contrasting surroundings and how overwhelming it can be to visit an iconic stadium for the first time.From now until the end of December, you can get all the extra podcasts, ad-free, by signing up for a FREE membership at patreon.com/stadio. Hosted on Acast. See acast.com/privacy for more information.

Today we had a proper conversation with Semi Skeptic Podcast. We covered an incredibule amount. AI, Digital ID, Freedom of Speech, Right to bear arms, the Bondi and Brown University shooters, Comedy, 1984 and how authoritarian governments are taking control. We discussed narratives and how the right and left are blatantly wrong and they could care less about our people. Fantastic show. Check out Semi Skeptic ASAP.Become a supporter of this podcast: https://www.spreaker.com/podcast/razor-wire-news--5683729/support.www.razorwirenews.comThis episode includes AI-generated content.

We're deep into December, and the window for smart year-end tax planning is closing quickly. Taxes may not be at the top of your Christmas wish list, but they are an important reminder of God's provision—and an opportunity to honor Him through wise stewardship.As Scripture reminds us, “The earth is the Lord's, and everything in it” (Psalm 24:1). That includes the resources He's entrusted to us. Thoughtful planning isn't about avoiding responsibility—it's about managing God's gifts with intention and gratitude.Today, we sat down with Kevin Cross, a seasoned CPA who has helped countless families navigate taxes with clarity and confidence. As we approach December 31 and look ahead to 2026, here are some of the most important moves to consider.Rethinking Charitable Giving at Year-EndCharitable giving is always close to the hearts of our listeners, and year-end is an especially strategic time to consider it.Recent changes to the tax code—including a higher standard deduction and an expanded SALT (state and local tax) deduction—mean many households may now benefit from itemizing again. If that's you, making charitable contributions before December 31 could provide meaningful tax benefits.But even if your standard deduction is still too high to itemize, there's another strategy worth considering: bundling your giving. Instead of spreading donations evenly each year, you might combine two years' worth of giving into one year. That can push you over the itemization threshold and maximize the tax benefit—while still supporting the ministries and causes you care about.Why a Donor-Advised Fund Is a Powerful ToolIf you don't yet know precisely where you want to give, a donor-advised fund (DAF) can be an incredibly flexible option. We often call it a charitable checking account. You receive the tax deduction when you contribute to the fund, then take your time prayerfully distributing gifts to qualified charities.Kevin likes to say it's “the most fun fund you'll ever have”—because it encourages generosity while allowing your resources to be invested and potentially grow before they're given.For those who want to ensure their giving supports gospel-centered ministries, I recommend opening a donor-advised fund through the National Christian Foundation (NCF). It's a wonderful way to align generosity with faith-based impact. You can learn more at FaithFi.com/NCF.A New Opportunity for Children and Grandchildren (Starting in 2026)One of the most talked-about developments Kevin highlighted is a new child tax savings account (Trump Account), set to begin in 2026. While no action can be taken until then, it's worth knowing what to expect.Under this provision, eligible children may receive a government-funded seed contribution, and families can contribute up to $5,000 per year. Even more interesting: businesses may be able to contribute up to $2,500 tax-free under the right circumstances—while still receiving a deduction.What makes this especially notable for generous families is that donor-advised funds may be used to contribute to these accounts, creating new ways to bless the next generation while maintaining a strong commitment to charitable giving. Proper planning and paperwork will be essential, but this is an opportunity many families will want to explore.Qualified Charitable Distributions: A Missed Opportunity for ManyOne of the most underutilized tax strategies Kevin sees involves Qualified Charitable Distributions (QCDs)—and it always surprises me how many people don't know about them.If you're 70½ or older, you can give directly from your IRA to a qualified charity and exclude that distribution from taxable income. Once you reach the age for required minimum distributions (RMDs), this becomes even more powerful. Instead of taking the distribution, paying taxes, and then giving what's left, you can give directly—often satisfying your RMD without increasing your tax bill.And this isn't limited to small amounts. You can give up to $100,000 per year through QCDs. It's one of the most effective charitable strategies available, especially for retirees who want to give generously while managing their tax burden wisely.Stewardship with PurposeTaxes can feel complex, frustrating, or even discouraging—but they don't have to be. When we view them through the lens of stewardship, they become another opportunity to align our financial decisions with God's purposes.Kevin Cross brings both expertise and encouragement to this conversation, reminding us that wise planning isn't about fear—it's about faithfulness. If you'd like to learn more about Kevin and his work, you can visit KevinCrossCPA.com.As we close out the year, our prayer is that your financial decisions reflect gratitude for what God has provided—and confidence that He will continue to lead you as you steward it well.On Today's Program, Rob Answers Listener Questions:I have about $135,000 in my 401(k), and my home is worth around $100,000. Would it be advisable to cash out my 401(k) to pay off my house?I was recently told about a fixed-rate annuity offering a 22% bonus immediately. Does that sound like a good opportunity, or is it too good to be true?My mother-in-law, who's still living, deeded my husband five and a half acres out of a 13-acre property. We're considering selling that portion to his sister and want to understand the tax implications—what tax rate applies, whether there's an inheritance tax, and how that works.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Kevin Cross, CPAWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today is day 348 and we are studying The Ninth Commandment. 348. How does keeping this commandment help you to become like Christ? By practicing love and truthfulness in speech, I grow in self-restraint, kindness, and honesty, so that I may know God with a mind free of deception, praise him with an undefiled tongue, and more truly love my neighbor. (Proverbs 8:1–17; Matthew 15:10–20; Ephesians 5:1–4; James 3:1–12) We will conclude today by praying Proper 27 found on page 622 of the Book of Common Prayer (2019). If you would like to buy or download To Be a Christian, head to anglicanchurch.net/catechism. Produced by Holy Trinity Anglican Church in Madison, MS. Original music from Matthew Clark. Daily collects and Psalms are taken from Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved. Catechism readings are taken from To Be a Christian - An Anglican Catechism Approved Edition, copyright © 2020 by The Anglican Church in North America by Crossway a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

This week on RHOP, Stacey and Wendy host dueling cannabis parties, Greg pretends to go ring shopping for Keiarna, Tia's Miss Prim and Proper act goes right out the window and more!Follow me on social media, find links to merch, Patreon and more here! Hosted on Acast. See acast.com/privacy for more information.

(00:00) The HVAC system is broken in the studio — when will it be fixed? Your guess is as good as ours. Also, Hardy shares his secrets for properly pruning Ornamental grass for the winter season.WHAT HAPPENED LAST NIGHT: (17:59.41) The Chargers forced five turnovers from Jalen Hurts and sealed a 22-19 overtime win with a Tony Jefferson interception, despite their offense stalling after an early touchdown and Justin Herbert rushing for 66 yards just a week after hand surgery.(33:01.55) Vrabel gets snippy towards Phil Perry again.Please note: Timecodes may shift by a few minutes due to inserted ads. Because of copyright restrictions, portions—or entire segments—may not be included in the podcast.CONNECT WITH TOUCHER & HARDY: linktr.ee/ToucherandHardyFor the latest updates, visit the show page on 985thesportshub.com. Follow 98.5 The Sports Hub on Twitter, Facebook and Instagram. Watch the show every morning on YouTube, and subscribe to stay up-to-date with all the best moments from Boston's home for sports!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(00:00) The HVAC system is broken in the studio — when will it be fixed? Your guess is as good as ours. Also, Hardy shares his secrets for properly pruning oriental grass for the winter season.WHAT HAPPENED LAST NIGHT: (17:59.41) The Chargers forced five turnovers from Jalen Hurts and sealed a 22-19 overtime win with a Tony Jefferson interception, despite their offense stalling after an early touchdown and Justin Herbert rushing for 66 yards just a week after hand surgery.(33:01.55) Vrabel gets snippy towards Phil Perry again.Please note: Timecodes may shift by a few minutes due to inserted ads. Because of copyright restrictions, portions—or entire segments—may not be included in the podcast.CONNECT WITH TOUCHER & HARDY: linktr.ee/ToucherandHardyFor the latest updates, visit the show page on 985thesportshub.com. Follow 98.5 The Sports Hub on Twitter, Facebook and Instagram. Watch the show every morning on YouTube, and subscribe to stay up-to-date with all the best moments from Boston's home for sports!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In today's episode, Adam shares some equipment and how to use them properly to avoid common mistakes when treating sound for your shows. Join in as he walks you through the biggest pitfalls podcasters face when recording. Plus, why proper mic technique can save you hours in post-production and prevent distorted or unusable recordings.   WHAT TO LISTEN FOR Places where you should not be recording Importance of acoustic panels for sound treatment Proper way of using your microphone while recording Advantages of using earphones/headphones for your podcast   RESOURCES/LINKS MENTIONED FREE Equipment Guide  CONNECT WITH US If you are interested in getting on our show, email us at team@growyourshow.com. Thinking about creating and growing your own podcast but not sure where to start? Click here and Schedule a call with Adam A. Adams! Subscribe so you don't miss out on great content and if you love the show, leave an honest rating and review here!   

Visceral Combat and the Sanctity of the Dead: Colleague Emily Wilson focuses on the visceral violence of battle scenes and the significance of caring for the dead, detailing the warrior ethos regarding proper burial versus the desecration of corpses to deny closure, also touching upon the gods bleeding "ichor" and the struggle over armor as a symbol of dominance. ZEUS