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Send us a textIn Episode 235 of Book Talk Etc., Tina & Hannah discuss their thoughts on some new book releases as well as chat through their feelings on negative book reviews.If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyBeth's Dead - Podcast (T)People We Meet on Vacation - Movie (H)Latest ReadA Family Matter | Claire Lynch (T)The Reformatory | Tananarive Due  (H)New ReleasesThe Book of Luke | Lovell Holder (T)Needle Lake  | Justine Champine (H)My Husband's Wife | Alice Feeney (T)Crux | Gabriel Tallent (H)Other LinksPlant Based BrideBy Don MartinBrad Bought A BookShelf Addition:The Better Mother | Jennifer van der Kleut (T)The Marrow Thieves | Cherie Dimaline (H)If you prefer other shopping options, you can find today's books on Bookshop.org or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk

Modern minutemen who are located in northern climates that are affected by extreme cold and significant snow fall have far more warfare considerations than the average minuteman. Everthing from layering systems and specialized mobility equipment to cold weather injuries and shelters, having a high level of understanding and training is paramount for true operational readiness in these regions.  In this episode, Stephen and Jacob discuss cold weather considerations with Ben Price who served is the USMC. Although cold weather operations is nothing new to Jacob and Stephen, this episode is more form a Marines perspective as well as some tips and tricks from our Norwegian allies.    OTHER COLD WEATHER EPISODES: Intro to Cold Climate Warfare (w/MooseRider6) Introduction to Layering (w/Ed French)   CONTACT US The best way to get a hold of us is to email us. We love hearing from you and we also love discussing details and helping where we can with specific or more nuanced questions. Please feel free to reach out. We'd love to talk to you! minutemen.initiative@gmail.com   HOW TO SUPPORT US & THE PODCAST Follow us on Instagram and YouTube! @Dynamic.Defense.Solutions  |  @Minutemen.Initiative  |  @Minutemen.Initiative (YouTube) We are passionate about training / education which is a major drive behind why we do the podcast, this same passion extends to our social media presence. We post high quality and in-depth educational content on our DDS instagram as well as our Podcast instagram.  Support us through our web-store: Dynamic Defense Solutions Website Use Discount Code: MINUTEMEN We thoroughly test and evaluate all the equipment we sell. If you see it for sale on our web-store then we personally back it and recommend it. We are always adding new products to our store that we believe supports the "Modern Minuteman" and that mission. We get asked often how people can support us and the podcast. Purchasing gear, equipment, holsters, and accessories from us directly supports DDS which makes the Minutemen Initiative podcast possible. We appreciate all of you who listen and greatly appreciate your support!  Thank you, Jacob & Stephen   INDUSTRY  COLLABORATIONS:  IWA International Website: https://iwainternationalinc.com  Discount Code: DDS5   One Hundred Concepts Weblink w/ Discount: https://onehundredconcepts.com/DYNAMICDEFENSESOLUTIONS Discount Code: DYNAMICDEFENSESOLUTIONS If code is inactive or not working, please use the following email to request you discount: cs@onehundredconcepts.com    907 AMMO Website: https://907ammo.com 

In today's episode, I share two intuitive writings with you—both in the form of poetry—and both on the topic of the in-between or liminal space of transformation. These poems speak to the discomfort that comes with shedding old, outworn ways and layers and coming to find ourselves anew and renewed. The transitory phase or liminal space can be incredibly uncomfortable. We're not quite that "new" version of us and yet we're no longer the "old" version either. During this phase of transition and rebirth, it can feel as if we've been left out in the cold. We find ourselves reaching for old ways of comforting and soothing yet more and more we're coming to realize that the old balms no longer soothe. Yet, that surrendered leap forward into the great unknown continues to terrify us. And so at this phase of change, we find ourselves lingering at the precipice... like an onion, the top layer of who we are is falling away, revealing a deeper, more whole version of our depth. And yet there's a rawness to this process—an exposed vulnerability that leaves us feeling naked in our own discomfort.Work with me—schedule a free 30-minute breakthrough consultation today. Disclaimer: This podcast is intended for entertainment and informational purposes only and does not substitute individual psychological advice. No AI—all content and episodes created and written by Ashley Melillo. *This is an affiliate link. Purchasing through affiliate links supports The Soul Horizon at no extra cost to you. Thanks for your support!

Send us a textIn Episode 234 of Book Talk Etc., Tina & Hannah chat about the Book Talk Etc., reading challenge for 2026 and bring books that meet the challenge prompts.If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyOGX Coconut Oil (T)Antiquitarian Sticker Book (H)Latest ReadEndling | Maria Reva (T)Half His Age | Jenette McCurdy (H)BTE Reading Challenge ReadsStiff | Mary Roach (T)Lady Killers | Tori Telfer (H)October Sky | Homer Hickam (T)Emergency Contact | Lauren Layne, Anthony Ledonne (H)Other LinksBTE Storygraph ChallengeBooks and Lala Buzzword ChallengeRead Harder Book RiotShelf Addition:The Hostess | Courtney Psak (T)This Is Not About Us | Allegra Goodman (H)If you prefer other shopping options, you can find today's books on Bookshop.org or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk

We all love winners. We love hearing about the big wins and the perfect track records. It feels good. It feels safe. It instills us with a sense of trust. But I've been in business long enough to know that virtually all individuals who are long-term winners have had profound moments of failure from which they learned invaluable lessons. Those are the people I really want to hear from. They have the kind of knowledge we all need as we navigate through life. It's called wisdom. Surgeons have a saying: “If you've never had a complication, you haven't done enough surgery.” In my surgeon days, I had a handful of complications. Let me tell you—they are no fun. You stay up at night replaying things in your mind, trying to figure out how you could have done things differently—how you could have had a better outcome. Even when unavoidable, those complications teach you something you'll never get from textbooks. It's been no different for me when it comes to business and investing. But I take comfort in knowing that even the greatest investors of all time had their moments of failure and rose from the ashes stronger and wiser. Warren Buffett. Ray Dalio. Every big winner has a story of failure. And while it may be cliché to say that we learn best from mistakes, I truly believe it. The good news is that those mistakes don't have to be our own. Learning from other people's mistakes can be just as effective. This week's episode of the Wealth Formula Podcast is with Russell Gray—a guy many of you already know from his podcasting and radio career. Russ lived through 2008 up close. He took a beating, and he talks openly about what went wrong. But that period also changed the way he sees the world—in a good way. It changed how he thinks about risk, leverage, and what actually matters when things stop going up. That mindset is a big reason he's been successful since then. It's a conversation worth your time. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  If you let the debt run, at some point you fall into a debt trap where the interest on the outstanding debt consumes all of the available discretionary income, and then you’re borrowing just to service the debt. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you there’s website associated with this. Podcast called wealthformula.com. It’s where you will go if you would like to, uh, become more, uh, ingrained with the community, including getting on some of our lists such as the Accredit Investor Club. Of course, it is a new year and there are new deal flows coming through. Lots of opportunities that you won’t see anywhere else if you are a, an accredit investor, which means you. Make at least $200,000 per year for the last couple years with a reasonable expectation of doing so in the future. That’s 300,000 if you’re filing jointly or you have a million dollars of net worth outside of your personal residence. If you, uh, meet those criteria, you are an accredited investor. Congratulations. You don’t have to apply for anything, whatever, but you do need to go to wealthformula.com. Sign up for the Accredited Investor Club, get onboarded. And all you do at that point is look at deal flow, and if nothing else, you’ll learn something. So check it out. And who doesn’t want to be part of a club? Now let’s talk, uh, a little bit about today’s show. You know, um, we all love winners, right? We love hearing about big wins, the perfect track record. It feels good. It feels safe, gives us a sense of trust. But the thing is, I’ve been in business long enough to know that virtually all individuals who are, what you would call long-term winners, have had profound moments of failure from which they learned, um, invaluable lessons. So those are the people that I really like to hear from. You know, they have the kind of knowledge we all need that as we navigate through all of life, and it’s called wisdom. Um, surgeons, as you know, I’m an ex surgeon. Have a saying, if you’ve never had a complication, you haven’t done enough surgery. Uh, in my surgery days, I certainly, you know, had a handful of complications just like anyone else who did a lot of surgery. And, and lemme tell you, there, there are no fun, right? So you stay up at night replying things in your mind, trying to figure out how you could have done things differently, how you could have had a better outcome. And sometimes you realize that those mistakes were unavoidable, but. You still learn something from them. And in these cases, you always learn something that you’re not gonna get from the textbooks, just from reading something. And you know what, it’s been no different for me when it comes to business and, and investing, but I, I take comfort in the fact, uh, that even the greatest investors of all time had their moments of failure and arose from the ashes stronger and wiser. All you have to do is look up stories of Warren Buffet and Ray Dalio. And Ray Dalio basically lost everything at one point, uh, because he, you know, he had a macro prediction that went completely south. But listen, uh, the, the point I’m trying to make here is that every big winner, every big winner I know of as a story of failure. And while it may be cliche to say, you know what we learned best from our mistakes, I, I truly believe that. But the good news is that those mistakes don’t have to be our own, right? So you can learn from other people’s mistakes as well, and that can be just as effective. Uh, so this week’s episode of Well, formula Podcast is featuring a guy that you may know. His name is Russell Gray. Russ, uh, has been around a long time, uh, in the podcasting world. And radio. You know, he talks a lot. He’s talked many times to me at least about living through 2008. And you know what that was like, the beating he took and, you know, what went wrong? Uh, you know, it’s, it’s something that he talks about because, you know, he’s a successful guy and that period in time changed. You know, the way he sees the world, the way in which he behaves in that world. How he thinks about things like risk and leverage and you know, what actually matters when things stop going up. Uh, it’s a mindset thing and it’s important. Um, and we also obviously talk about other things as well, such as, uh, Russ’s current take on the economy. Uh, so anyway, it’s a, a good conversation and it’s one that you’re gonna wanna listen to, and we’ll have that for you right after these messages. 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Welcome back to Show Everyone. Today my guest on Wealth Formula podcast is Russell Gray. He’s a second generation financial strategist and, uh, you may know him from being a, the former co-host of the Real Estate Guy Radio Show, which is one of the longest running, uh, uh, radio shows of its time, uh, in the United States. He’s, he’s a founder of. Raising Capitalist project, which is an initiative focused on helping aspiring investors and entrepreneurs how to better understand how wealth is actually created and how uh, economic systems really work. Uh, he’s best known for his emphasis on real assets, cash flow, economic cycles, and preserving wealth and what he views as an increasingly fragile financial system. Welcome, Ross. How are you? Good buck, happy to be here. And, uh, proud of your success on your show. I remember way back at the beginning you were like, Hey, I wanna start a podcast. Yeah. Yep. You’ve done a great job. Yeah, it was an idea. I was like, here’s the idea. Start a podcast, build a community, all that kind of stuff. But it’s interesting. Uh, well, and let’s talk about what’s going on now. You’ve spent decades teaching people about, you know, real assets and cash flow. But lately your writings feel more focused on systems and and macro forces. So what’s changed? Has something finally become too big to ignore? Well, I think there’s two things you know personally, uh, most people who have heard of me or followed me know that 2008 wasn’t kind to me. I was in the mortgage business. I was very leveraged into real estate all over the place. Had my businesses for cash flow, had the real estate for equity growth. Believed that real estate was hyper resilient and gonna be the beneficiary of inflation. Didn’t understand the dependency on credit markets in both my business and my portfolio. And so that was a big mess, not doing, uh, a real SWOT analysis and understanding. And the third part of that, that was tough, is that I operated the business primarily on credit lines as well. So I had virtually no cash. And so when the credit markets seized up. Canceled my income, it canceled my credit lines and it evaporated my equity. And now all I had was negative cash flow on debt, on real estate. I couldn’t control. And so I looked at that and I said to myself, you know, I’m a pretty smart guy. I. Pride myself on paying attention. So obviously I’m not paying attention to the right thing. So I became obsessed with the macro, uh, picture and, and the financial system, which, you know, to me it’s, it’s the macro economy is what’s going on with, uh. Geopolitics and the energy and, you know, even policy, uh, that affects, uh, how well money can flow through the system. Both monetary policy from the Federal Reserve and fiscal policy from the government now today in the Trump administration trade policy. And so I began to pay attention to all those things, but from the standpoint of not how it was gonna affect the stock market, but how it was gonna affect the bond market and interest rates and the availability of credit, and how it was gonna affect Main Street. Directly and specifically now in terms of jobs and job creation are real wages. And so when I started really looking at all that, um, I, I, I realized that there were some things happening that were gonna be really good, and there were also some things that we needed to pay attention to. And these things move very slowly. So in 2010. I saw that coming outta the financial crisis, the Chinese were very upset with the United States about how much the Fed Balance sheet was expanding, and they were concerned about their very large investment in US dollar denominated. Bonds, and so they began creating bilateral trade agreements with Russia and many other countries to where they could begin this large process of de Dollarizing. Well, that was the first time I’d seen that movie, because it was the same thing that the Europeans did after they saw the Nixon default. Right? They began working on the Euro, which took ’em from 71, 72 when they started, maybe 74 when they started, but it took ’em till 99 to get it done. But you know, once they got it in place, over time, the Euro, the Euro has taken over 20% of global trade. You know, that’s market share from the US dollar. And so I saw this BrickX thing beginning to form. Uh, and then I saw the other thing on the macro that I thought was gonna be really good was in the jobs act, something you’ve benefited from as a syndicator, we. I wrote that report, new law breaks Wall Street Monopoly. And so, uh, even though I, I can’t tell you I was a big fan of Barack Obama, but he signed that legislation that happened on his watch. And I think it was fantastic because now it allowed Main Street syndicators, main Street Capital raisers to advertise for accredited investors and began to really, uh, level that playing field and open up Main Street, uh, to invest directly in Main Street. And so I met you in the syndication program that we put together with the real estate guys to coach real estate investors on how to become capital raisers to, to capitalize on that trend. So that’s, you know, kind of how I kind of became doing what I’m doing. And then when I decided, uh, just about 20 months ago to depart the real estate guys, I wanted to take some of the things that I originally set out to do when I first met Robert Helms way back in the day. And, you know, as relationships go, you know, he has his interest in the things that he wants to do, and I had my interest in things I came to do. And for a long time we were aligned well enough to continue to work together. But it got to a point where, for me, I, I wanted to go off in a different direction, and part of that was driven. By the, the death of my late wife. Uh, you had me on the show right after that happened to me, and I was going through this like, who am I? Why am I here? What am I supposed to do next? What do I really want to get done before I die? And so all of those things kind of informed my personal decisions to, to make a switch. And then of course, what’s going on in the macro. Um, what I saw with Trump 1.0, what I saw in the Biden administration and those policies, and then what I thought would happen in Trump 2.0. And I did a presentation on this at the best ever conference in March of 2025, right after he’d been inaugurated. And, and so, uh, that, that’s kind of has me where I feel like there’s some real opportunity coming. Uh, there’s also some things we need to be aware of on Main Street. Yeah. So you’re bullish on Main Street in general, but you’ve been pretty cautious about the broader financial system. So, uh, what are the things that you’re worried about? Well, I, I think if you understand the way the financial system works, uh, it has a shelf life and that. It’s because it’s, it’s a system that is, depends upon ever increasing debt. Um, people say, I wanna pay the debt off, but if they, if they really understood the system, at least the way I think I understand it, uh, and I’m not alone in this, so it’s not something I just figured out on my own. But, um, you know. I, I don’t want to sit here and pretend like I’m the world’s foremost expert, but the way I understand the way the system works is that it, it requires ever increasing debt, and if we were to pay the debt off, it would collapse the system. So I think you waste a lot of time and energy and from a policy perspective, trying to argue about doing that. And I think that’s why it’s never, ever, no matter what administration, what politician, what mix of congress, what. Pressure there is everywhere globally. The system, the central banking system, the way it works globally, is designed to create ever increasing debt. So the, the flip side of that then is to let the debt run. And if you let the debt run, at some point you fall into a debt trap where the interest on the outstanding debt consumes all of the available discretionary income. And then you’re borrowing just to service the debt. Yeah, that’s about $1 trillion right now, by the way. Which is. Which is, uh, about the, the, the defense, uh, budget. Well, and I think that the bigger thing is when you look at, at the interest on the debt and mandatory spending, there’s virtually no room left after that. So if you’ve got, you’ve got the mandatory spending and you’ve got, um, debt service, you, you have very little room. So it’s not. Feasible either for two reasons. One is there’s just not enough discretionary room to be able to cut expenses enough to, to ever manage the debt. Number two, as I previously mentioned, if we were ever to effectively try to pay down the debt in any appreciable way, it would crash the the system. So the, the way I look at it is it’s, it’s, it’s got to be replaced. There’s going to be a great reset. I think the World Economic Forum was trying to set that up for the world, and they had an agenda. I’m, I’m not particularly fond of. Um, there’s been talk about creating a central bank digital currency, which I think is what, you know, the Federal Reserve and the, what I all call the wizards, uh, or the powers of B would prefer. Uh, but I think if you care about privacy and, and, you know, individual sovereignty, uh, and, and just personal freedom, um, I have a lot of concerns about a central bank digital currency. Um, I think the popularity of Bitcoin, uh, if it was, you know, and who knows what the. True origins were, but let’s just take it at face value. I think a lot of the people, at least that were the early adopters before it had the big price run up, was just a way to escape, uh, the system before it failed. And so you’ve got that. And then you’ve got, again, as I mentioned, the bricks and this global effort to de dollarize, which was I think really kicked off. After the great financial crisis and the massive expansion of the Fed’s balance sheet. And then I think picked up a little steam when we froze Russian assets and people began to see that the US might use the dollar and the dollar system, uh, for political instead of being neutral. And I think that picked up some steam. And, and so there’s, there’s both a geopolitical drive to. Uh, come up with a new system. There is, I think we’re at the end of a shelf life that some type of a new system is gonna have to be, uh, created. Uh, and, and then you look at what Donald Trump is doing and what he’s espousing. You know, let’s get rid of income taxes. Let’s get back to pulling in, uh, revenue from tariffs the way the country was originally founded. Uh, he’s talked about eliminating the IRS and going with an ERS, an external revenue service. There’s people that think that he might beat. Wanting to try to get back on some form of sound money, you know, coming out of, Hey, let’s audit the Fed, let’s audit the gold. I mean, let’s audit the gold. And, um, so, you know, we, you, you never know what what’s really gonna happen, but, but I think what we have to pay attention to are the signs that the system is beginning to break down. And one of those signs that I pay a lot of attention to is monetary, metals, gold and silver. I make a distinction between precious metals, which would also include platinum and palladium, and of course they’re strategic metals, but I just focus on monetary metals, which would be gold and silver, and gold and silver. We’re telling you that people would prefer to be the, the, the safe ha haven asset is no longer us treasuries, but, um, but, but gold and central banks have been driving a lot of it. This isn’t the retail market driving it yet. It, it’s really central banks have been accumulating. And so those are the ultimate insiders when it comes to currency. And if the insiders in the currency markets are repositioning into gold, uh, I’d, I’d call that a clue. Yeah, absolutely. Um. Yeah. You recently commented on the public criticism, president Donald Trump made toward, uh, uh, Peter Schiff. What stood out to you about that exchange? Maybe give us some background people. Not everybody knows who Peter is and, and, uh. And all that. So, yeah. Well, I mean, as you know, I’ve known Peter for 12 or 13 years and, uh, I had read his father’s work way back in the day. He is a very famous in the tax protestor world as somebody who just believed that income taxes were unconstitutional. And he resisted that and ended up going to jail for, died in jail as a matter of fact. And so that was, uh, I think sad. Um. But, but to me it felt like a little bit of being a political prisoner, but be that as it may, that’s how I got to know Peter. And so Peter is a guy that comes from the Austrian School of Economics and he believes in sound money. He believes in gold. He does not like Bitcoin. I’ve sat on panels the last two years with Peter, uh, in between him and Larry Lepard. And you know, Larry is a, a former gold guy. He’s still not opposed to gold, but he’s a hardcore sound money guy. But he likes Bitcoin. Peter hates Bitcoin and they get into it, and I usually sit in between ’em and try to keep things calm. Well, you know, so Peter ended up going on Fox and Friends, uh, I think on whatever it was, Friday the eighth I think it was, or whatever, whatever day that was. And he, he criticized Donald Trump’s spending. And, um, budget deficits and said that it would lead to inflation, and that’s a hot button for Trump. And so Trump, yeah. Uh, responded to him, uh, I think like four 30 in the morning on Saturday morning and called Peter, uh, a. Jerk and a total loser. Well, actually I saw it before Peter did, and so I took a screenshot and I texted it to him. I said, Hey, have you seen this? You know, maybe I’ll press is good press. And I think to a degree, maybe it has been me from, I understand Peter ended up on Tucker Carlson’s show as a result of that. So, but I made a video right after that because I, you know, there was a time when. I’m friends with Peter Schiff and I’m friends with Robert Kiyosaki. As you know, I, we introduced you to both those guys and, and at one point they didn’t like each other very much. They got into it ’cause, you know, and, and so we introduced ’em to each other and found that they had more in common than they, they didn’t. And I, I think that that would be true. Not that I’m in a position to introduce Peter to, to Donald Trump, but I think the way Peter is looking at it is true. Um, but there’s context and I think the context is super important. Now I’ve been studying Donald Trump as a businessman way before he was a presidential candidate or a politician, you know, before he was a polarizing guy, a pariah for some people. He, he was just this real estate guy. He’s good at marketing, he’s a real estate guy, and as you know. We got to know his longtime attorney, George Ross. And so I’ve had a chance to have conversations about what it was like working with Donald Trump, the real estate guy, and when he became a politician, I asked George, is he a crazy man? Does he shoot from the hip? And you know, I got a lot of reassurances that he is a sober sound. Methodical, self-disciplined guy and, and I think he uses the eroticism to keep people off balance as a negotiating tactic. And he writes about that in the art of the deal. So the context that I think that people need to have, and I’m not here to defend Donald Trump, the man. I’m not here to defend Donald Trump, the politician, but I look at the policies and what I think he’s up to in the context of realizing that we have a system that is fundamentally flawed and has to be remodeled. So to use a real estate, uh, metaphor, it would be like we have a hotel building that is very tired. It’s at the end of its life, it’s got to be remodeled, and so you can’t. Completely shut it down because it’s an operating business, so it’s gotta operate during the remodel. And so you begin to, um, reposition things and. You, you, you’re not gonna run optimally, so you’re gonna run some deficits while you’re doing the remodel. You’re gonna go into debt because you got a lot of CapEx to do, and during that period of time, your debt and deficits are gonna be a problem. But real estate guys look at debt and deficits not as a permanent condition. I think Peter is saying, Hey, you’re just running up debt and deficits. Well, in the short term he is. Honestly, I don’t think Trump is concerned about that. I think he’s focused on getting this remodel done, and part of that remodel was showed up in the last jobs report, right? We lost jobs to a degree, but they were government jobs, and what we got was a lot of gains in private sector jobs. Scott descent, his treasury secretary, has come out and overtly said, we are an administration for Main Street, not for Wall Street. So if you’re going to de financialize this economy and turn it back into a productive economy. You’re going to have to have policies that are gonna stimulate Main Street, and that’s, that’s the, the, the new units that you’ve rehabbed in your hotel that you wanna move people into. At the same time, you gotta move them outta the old units, which is people making money, trading claims on wealth instead of producing real goods and services, which is the financial ice economy. So it’s not about banking, it’s not about stocks, it’s not about Wall Street. You know, you need the stock market to stay up. But really what you need to do is you need to create production. And, and, and I think that’s fundamental. I think he understands we’re never gonna pay the debt off by cutting. We’ve got to keep the system running until we can get to some form of sound money. We’re actually paying the debt off as realistic, and then we have to earn so much money that the debt relative to our earnings shrinks. So it’s not paying down the debt, it’s paying down the percentage of GDP by growing GDP. And the presentation I did at best ever in March of 2025 was me explaining why I thought. His policies, were going to allow him to increase velocity and increase wages by cutting taxes, interest regulation, transportation costs, and, and again, that was six weeks into administration. That was theory. I’m gonna do a follow up in March of this year to say, okay, looking back when I gave the speech a year ago, what’s transpired, but I can already tell you a lot of the stuff that I thought he would do. He’s done. And I think that’s muting some of the inflation that his spending and deficits to Peter’s point are causing. And that’s why when this last CPI report came out, it wasn’t as ugly as everybody thought it would be. And, and this is when you don’t look at, when you look at it in the mono, you just look at one thing and Peter’s very fixated on this quantity of money theory. Then the expectation is that you print a bunch of money, you run a bunch of deficits, you’re gonna get inflation. And it’s just a. Equals B or A leads to B. But there are other nuances and I think Trump is looking at more like a real estate developer, which makes sense. ’cause that’s his background. Yeah, yeah, absolutely. It’s, I mean, and then the other just point to, to make there is that there is probably, um, now inflation’s a tricky thing, right? Like on the one hand you don’t want this riding up, but on the other hand, it actually helps with that debt. You’re, you’re basically eroding the debt by letting inflation ride a little bit higher at the same time. And I think the Trump administration knows that it’s a tricky thing to balance, but the goal is to, you know, get GDP pumping at, you know, four or 5%, but it’s gotta be real production buck. And that’s the difference, right? The old way of dealing with the debt was inflation. And, and I think people think that he’s using the old formula, but I don’t think he is. Well, I think it’s, I think, I think it’s definitely geared towards increasing real GDP, but I think in the process there’s probably, they probably care less a little bit. Of inflation riding up a little bit in the meantime. ’cause you’re still gonna have, I think he thinks he can mute it. I think he can mute it with lower taxes, lower interest expense, lower energy costs. And the energy is the economy. And from day one, that was the first policy. He’s, he’s aggressively gone after lowering energy costs because that has a, a, a ripple through, it just affects every area of the economy. And then the regulations in, in the last cabinet meeting. It was reported, the way I understood it, that for every regulation his administration passes, they’ve eliminated 48. So it’s actually, he’s removing the friction. And I think the bigger thing is, and I, and I was on a panel at Limitless, uh, this last summer, and TaRL, Yarborough was moderating the panel, asked the panelists what we were looking at that maybe other people weren’t looking at that. Um. You know, is, is a signal about maybe the direction it was. We, I, I can’t remember. This was a prediction panel and what I said was trade policy because everybody in finance spends all their time looking at the flow of money and trying to get in front of the flow of money. And we’re so used to the money coming from the Fed or coming from the treasury. So they’re gonna come from monetary policy or fiscal policy. And that’s what Peter’s doing. He’s looking at the Fed and he is looking at the treasury. And so what I’m looking at is not just the tariff income, which is relatively minor, but I’m looking at the trade deals, and those are published at the White House and there’s a couple trillion dollars of money that’s FDI, foreign Direct Investments coming right into Main Street. And it’s gonna build infrastructure. It’s gonna build factories. It’s good. And they tell you where it’s gonna be because they, they came back with the opportunity zones, which I thought they would do. Makes sense. It’s the way he thinks. And then taking those opportunity zones, the governors can say where in their state they want that money to go. Well, people on Wall Street don’t think geography ’cause they operate in a commodity world that trades on global exchanges. But real estate people. Geography matters a lot. So if I’m a Main Street person, I live on Main Street and I’m looking for Main Street opportunities, I wanna look where that money is going to be flowing in geographically. And then there may be opportunities in real estate or small businesses in those economies, and you can see it coming, but nobody talks about it. So I created Main Street Capitalist as a show to begin to talk about it. I still do the investor mentoring club, which is, you know. A premium thing where we get together every month and we talk about these things. And the point is, is that if you understand, I think what he’s doing, then you can, you can begin to paddle into position. And I think, again, I am really bullish if he loses inflation. If he loses to inflation, he’s cooked. He knows it. I think that that even the suggestion that Peter made that he was losing to inflation is what flared him up. And so I wasn’t trying to necessarily defend. Peter and I wasn’t trying to defend Trump, I was just trying to reconcile that it is possible that both guys could be right at the same time from their perspective. And so I, you know, I, I had one guy take exception because he felt like I was defending Trump, but for the most part, I got positive feedback on the video. I, I, I, you saw it. So you tell me. Did it make sense? Yeah, yeah, yeah. Absolutely. So when you look at today’s environment, everything going on, where do you think investors are most vulnerable? Um, I, I think that if you are very dependent upon, um, healthy credit markets, we could have a disruption. And that’s what happened to me. If Trump loses the inflation battle even for a little while, little be reflected in interest rates. And the challenge is right now that he is asked the Fed to quote unquote lower rates, but the Fed actually doesn’t like. Set rates, what they do is they set a target and then they manipulate markets to achieve those rates. And if, if people believe the fed, there’s a little bit of front running. So what’ll happen is the Fed will come out and go, oh, we’re gonna lower rates, which means bond prices are gonna go up. So they’re like, that’s great, let’s go buy a bunch of bonds, which drives rates down. So the Fed just by talking. Begins to move the market and then they hope that later on the Fed will buy those bonds from them at a profit to push rates down. Does that make sense? So, so when the last two times the Fed has raised rates in their target, the 10 year has responded in the opposite direction. Which means that the market is like not buying in, and the Fed is gonna have to step in. And when the Fed steps in, they do it by printing money out out of thin air. Now, the concern about that is that when they print the money out of thin air. If they’re replacing bonds on their own balance sheet, that’s kind of a circle and it doesn’t leak out into the economy. If they’re buying new issuance from the the treasury, then that money is gonna work its way through the government to to to main street. Now, the Trump administration can prevent some of that by keeping the money in the Treasury, for example, uh, Trump 1.0 left. The Biden administration with, I think over a trillion dollars in, in the treasury checking account, and Janet Yellen put that into the economy right away during the lockdowns, which immediately created extreme inflation because you muted production at the same time you goose. Uh. Purchasing power, you know? So anybody with like three ounces of economic understanding could have told you that that inflation was gonna come, it was gonna come hard, it was gonna come fast, and it was gonna be stickier than than you thought. ’cause once you let that money out in the economy, it’s out. It’s out and the only way to mute it is either to suck it back, which is very, very difficult, or to outproduce it, and it’s very hard to produce anything when everything’s in lockdown. So I think that, you know, those days are behind us. I think the policies that we’re embracing now are more. Pro productivity. And I think that even if the Fed does have to step in, as long as that money doesn’t leak out into the economy, and part of it is the treasury being able to throttle some of that, and the money that does go into the economy doesn’t go into stimulus, but goes into CapEx and infrastructure, that’ll actually, uh, create. Production. Then I think that, you know, this, this game plan that I think they’re trying to execute has a chance. And so I, I’m, I’m watching for it. And of course, to answer your question, what do we have to worry about that it doesn’t work? Right? If it doesn’t work, then inflation will show up. Interest rates will rise, credit markets will crash, it will take real estate values with it. And the hedge is really gonna be, what I’ve always talked about is gold. I started talking back in 2018 when we were the zero bound with interest rates. Hey, there’s only one way interest rates can go and that’s up. And if they go up fast, then that’s gonna crash bonds. So it would be smart, and that’s gonna take real estate equity with it. So it’d be smart when you have real estate equity and low rates to pull some of that equity out and move it into gold. And I called that my precious equity strategy. If I have a video I did at the Vancouver Resource Investment Conference in January of 2022, explaining that when you could still really execute on that, and I’m not saying that you couldn’t do it today, but it’s harder, but the people who did it back then, I mean, you know, they’ve, they’ve seen their gold almost triple. And at the same time, they were able to lock in interest rates that are, you know, a half what they are today. So when you see those mega trends and you can begin, and that’s the stuff I didn’t know how to do in 2006, 2007. I didn’t understand any of this stuff. The, the, you know, losing everything in 2008 forced me to become a hardcore student and then try to apply that to Main Street strategy. And so I think gold and real estate and debt, they all work really well together depending on where you are in the cycle. Do you think that Main Street investors may actually have some advantages in periods like this? Yes, a ton because I think what’s gonna happen is if we have a, um, a, a, a restructure of the financial system into something more responsible, which I think is either gonna be forced upon us or it’s gonna be done by design, and I hope we do it by design. But when that happens, then the days of just buying low and selling high and riding the inflation wave that goes away. And so now it’s gonna be very, very important to understand how to invest for. Productivity. So I call it, you know, buy low sell high trading as an acronym, B-L-S-H-T you. You can sound it out for yourself phonetically. And then the other one is poo, which is productivity of others. And I think that if people focus on investing in the productivity of others, which is what Main street investors, especially real estate investors, focus on, I think cash flow, real profits on small businesses, not speculating on. Uh, exit price or a company that’s gonna take a company public, everybody trying to tap into this giant flood of money that gets pre created from thin air in the banking system and in Wall Street. If, if, if people on Main Street will just start investing. Kind of what Kenny McElroy was doing going through 2008, just focusing on sound assets and good markets with good fundamentals. That cash flow and, and are run by good managers, whether it’s a business, an apartment building, a mobile home park, a self storage, residential assisted living doesn’t really matter. Invest in real businesses that produce real profits where you’re not overpaying for that production of income and especially where there’s some upside. Not to flipping out of the stock, but to actually growing the market share and growing the income. That’s what investing really should be. Wall Street has perverted it into just placing bets and riding a wave and trying to figure out where the money is gonna flow from the Treasury or for from Fed stimulus. And I think Main Street is gonna pick up on the new game sooner. And the good news is if you get good at playing that game, even if the system stays the same, you’re probably gonna do better off anyway. When you talk about buying, buying or investing into productive businesses, I mean, what, what’s the difference in your mind between investing in a private business versus investing in a, you know, a publicly traded business that’s run off, you know, dividends? Yeah, so I, I, I think that it could be okay if the dividend yield makes sense, but anytime you have a publicly traded security, it’s a highly liquid market, which means it’s gonna be volatile and the stocks become chips in the casinos where professional traders are just gambling all day long. And some of that gambling can create an impact on the stock, and it doesn’t matter to you if you’ve only bought it for production of income. Um. And so, uh, you know, I, I don’t think it’s bad. I’ve, you know, Peter’s always been an advocate of, uh, dividend paying stocks, and I think if you’re gonna be in the stock market, that’s what you want to do. I think the opportunity in a private placement in a small business is the opportunity not to have to pay the high multiples because it’s not a perfect market. It’s, it’s the same reason there’s so much more opportunity in real estate. If real estate could trade on an electronic exchange where. You know, millions of buyers could find it, and you could have perfect price discovery. It’s very difficult to find a deal, right? It’s very difficult. But we, if you buy a private business, you know there’s gonna be considerations. You, you deal with a, a owner. Who cares about his customers, who cares about his team, maybe would be willing to carry back the way you would if you were buying a, a, a piece of property from somebody that cares about their neighbors or whatever. I mean, there’s, there’s, there’s a lot more humanity in it. There’s a lot more room for negotiation in it. And a lot of times there’s a lot more room to have control. So, you know, one of the adages with real estate that real estate investors like is, I’m gonna buy an asset, one that I understand, two that I can control. And so when you buy a stock, like a dividend paying stock, you, you might understand the business, you may not understand completely the. Uh, market dynamics that drive the stock price. But as long as the dividends are there, that can be okay, but you don’t have any control. When you actually go buy a small business, you have a, a degree of control. Now, if you’re a passive investor buying into a syndication, then you still have a little bit more, um. Relationship, you have a little bit more insight. You maybe have a voice. You may know the people that are making the decision and running the company personally. So it’s the same thing. You know, you Buck is a syndicator. When you go do a deal, your investors know you. They have a personal relationship with you. Go buy stuff in the stock market and mutual fund managers and investor. You don’t have a relationship with that fund manager and I think that’s worth something if you have a voice right. So we’ve, we’re talking a little bit about credit markets, um, volatility, you know, interest rates. Are they gonna go down like, you know, Donald Trump would like to see, and you know, we’ve got a new fed share coming, all that kind of thing. How should investors be thinking about leverage and risk right now? I, I think the adage with real estate, uh, I mean, sorry, with leverage is always the same, is, um, you know, manage cash flow. I, if, if you use leverage to speculate, that could be a real problem. And whether you did it. Do it for real estate like I did by having very thin or negative cash flow and making that up someplace else and believing that somehow, you know, rents or appreciation are gonna do it. Or buying a non-income producing asset with borrowed funds hoping it’s gonna go higher. I think that would be dangerous, but I think if you fundamentally use debt as a tool. Based on cash flows and you use conservative cash flows, you know, so the debt service coverage ratio, you know, if you have $10,000 a month going out in debt service, make sure you have at least, you know, $12,000 a month coming in on income or above. Then that’s how you begin to build resiliency into your portfolio. And the other thing is don’t borrow long to invest short, right? So your duration matters a lot. We were talking about this before we hit the record button, and I think what happens is people. Uh, make a mistake when they try to operate like a bank. ’cause banks lend short and invest long. And the only reason they get away with it is because they have the Federal Reserve Bank system backstopping them. But you don’t have that as an individual, so you better to do the opposite. Um, if you can match the durations, that’s perfect, right? ’cause then you know what your interest expense is for the, for the duration of the investment. And once you lock in the spread, then you just have the counterparty risk of the, whoever is responsible for creating that income stream that’s gonna service the debt you use to control the asset. And then it just comes down to underwriting and then recourse. And if you feel comfortable with the underwriting and you feel comfortable with the recourse, and you’ve got spread and you’ve locked in a, a duration. Um, that, that is compatible, then that can be a, a, a fairly safe way to use debt. And if interest rates work against you, then you’re okay. And if interest rates work for you, you might be able to refinance your debt and actually increase your spread, but you don’t need it to happen to be successful. Let’s talk a little bit more about what you’re doing right now. So in the past year, you’ve launched, um, several new initiatives. You had masterminds via platforms. Tell us a little bit about this and, and a little bit more what, what you’re trying to accomplish. Well, you know, after losing my wife, um, you, you go through this. Period of time of like figuring out, okay, life is short. What do I want to get done before I left die myself. And so, um, after thinking about that, I went back to really what I came to do when I first met Robert Helms and got involved in the real estate guys. And so I just kinda went back to home base and. Then the other thing is now I’ve got 17 grandchildren, and so I’m thinking a lot less like a father, more like a, a grandfather, a founding father. And, um, and so I’m thinking about what the world is gonna be like in 40, 50, 60 years, and what can I do to plant a seed that will make that world better for my grandchildren? And so I, I did a couple things. One is, um, after I left the real estate guys, we were going through a merger with Ken McElroy, George Gammon and Jason Hartman to create, um, a mastermind group, which we did. And I, I was CEO of that for the. The year during the merger. And that took up some time. And the second thing I decided to do, uh, ironically, it was after a conversation I had with Charlie Kirk. I had a conversation with Charlie Kirk. I said, Hey, I’ve got this idea to help, uh, K through 12 get involved in, in capitalism by starting businesses or working with businesses. Their parents start, and I explained to him the model. He goes, I love it. I want to help you. And so that encouraged me. And then I had a follow up meeting in January of 20. 24 with Mark Victor Hansen, and he really encouraged me. And so with the strength of those two endorsements, I go, you know, I’m gonna do this. And so, uh, I left the real estate guys in, um. March, late March of 2024, and in the summer of 2024, I, I launched the Raising Capitalists Foundation, and people can learn more about that by going to raising capitalists plural.org. And I, I literally launched it at Freedom Fest on July 13th, 2024 and five minutes before I took the stage, Donald Trump got shot. Always remember where I was and how distracting it was, but I did record that presentation and it’s on the website, and so it explains the model. But in, in short, it’s pairing, um, or it’s, it’s putting parents who are in what Kiyosaki, uh, rich Dad would call the E-Class employees. And, uh. Put them under a mentorship program with experienced entrepreneurs and investors to help them start a business, a side hustle. They need the money and they need a mentor. And so then they, um, it can create a situation where their children can come to work for them in the business. And today, information Society, you know, there’s a lot of things kids can do where they learn real life skills, um, working with their parents. So that’s what the Raising Capitalist Foundation is all about. Then I launched two shows. Uh, in 2025, uh, one is I literally just launched like a week ago, and that’s. That Donald Trump video was really the first one that I put out, the Donald Trump versus Peter Schiff video on YouTube. I haven’t even started the podcast side of it. Um, and in on September 27th, uh, on pray.com, I started, uh, another show that, that one’s called the Main Street Capitalist. So if you go to YouTube and look at the Main Street capitalist, you’ll, you can find me there. And then the other one I created was the Christian capitalist. And I kind of went back to, you know, my, my core roots of realizing when I started looking at. Where the country was at, John Adams said that, um. Our Constitution was designed for a moral and religious people and is really wholly inadequate for any other, and so I thought, you know what? I’m I, I’m going to do that because my experience as a, as a Christian businessman is that I find that sometimes the stuff I get in church is more consumer oriented, and it doesn’t, it’s more employee oriented. I, I don’t. And, and then the other part of that is I created a, a ministry called Fellowship, a Christian capitalist, which is really about helping people put purpose into their business and then, you know, express their faith. Love your neighbor. Through their business. And so I’ve got all these different initiatives going and then I created the Main Street Media Network because I wanting to reach youth. I hired a YouTube coach and I said, look, I want to create content to encourage youth. He goes, that’s great. You can’t do it. You’re too old, he said, so what you need to do is find young people you can mentor and teach them the things that you’ve learned and let them teach it in their own words and they’ll reach their generation better than you. So with Main Street Media Network, I’m I, I’ve got. Two guys that I’m apprenticing right now, but I’m gonna be adding a lot more. Um, one, one young man is 20 years old, the other one is 26 years old. And, uh, I just came back from the Turning Point USA event where we had a broadcast booth and they were conducting interviews and I did the New Orleans Investment Conference. And so these guys are sitting down with Peter Schiff, Robert Kiyosaki, Mike Maloney, Ken McElroy, you know, you, you know what that did for you, buck with your show. You know, you, you met all these people through us and then you. We’re able to build upon that and create a very credible show. So I’m doing that for these guys that are in their twenties with the idea that they will be able to reach a generation of people. Uh, I call it putting Boomer Wisdom in Gen Z mounts. I mean, they get to process it and it gets to be their own. And I’m helping them build financial podcasts that actually make the money and is the foundation of, in this case, they’re both capital raisers of their capital raising business. I got all these different things going, but I’m doing it through leaders, so I’m not trying to do all things myself. Yeah, yeah. Um, but I’m building out an ecosystem to accomplish all these goals and so far so good. It’s a lot. Sounds working like a young man, man, man. I’ll tell you that. I know, I know. Wow. I I thought you were gonna slow down after you. No, I’ve actually, I put my, I put, I put my foot on the gas. I, I’ve probably never worked, uh, harder. Um, but I, I think I’m working smart, you know, so I’m hiring coaches and I’m bringing in, um, leaders and going through all that EOS and organizing to scale stuff. Sounds good. Well, always a pleasure, Russ. Um, make sure not to be a stranger to have you on again, um, you know, in a few months and figure out where you’re going with all this stuff. All the new things that you’ve accomplished, but it’s, uh, it’s great to see you. Well, happy to be here, proud of you. Uh, keep up the good work and keep educating people. Thank you. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. As always, Russ, uh, is, uh, you know, he’s, he’s got a lot of wisdom. He is the guy you really wanna listen to. And I would encourage you to follow his work anyway. Uh, just pivoting back, you know, to where this economy is and all that. I think for me personally, it’s about allocating capital in a market that is a, uh, is certainly losing value in its dollars. And, um, and I think that we’re gonna continue to see that. Speaking of that, make sure if you haven’t, as I mentioned before, sign up for the Accredited Investor Club. Go to wealthformula.com, go to investor club, as we have plenty of those types of things that are hedging against inflation, um, saving taxes in terms of tax mitigation strategies, that kind of thing. Check it out. That’s it for me This week on Well Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

• Sponsor read for MyEternalVitality.com with Dr. Powers • Gut health testing to identify individual histamine triggers • Relief that shrimp is not a histamine trigger • "Healthy" foods like spinach and kale causing inflammation • Improving digestion, regularity, and reducing stomach discomfort • Food reactions differing by individual body chemistry • Hormone testing becoming more important with age • Declining testosterone levels in men • Men getting hormone testing through Dr. Powers • Benefits of hormone replacement therapy • Improved libido, energy, and mental clarity • Symptoms of imbalance: fatigue, brain fog, hot flashes, low libido • Hormones discussed: estrogen, progesterone, testosterone, cortisol • Free Dr. Powers consultation for Tom & Dan listeners • Dr. Powers as a fan of the show and BDM member • New year framed as a time to address health • Show intro from the Just Call Moe Studio • Welcome to the Friday Free Show of A Mediocre Time • First show of 2026 and confusion adjusting to the year • Show running 17 years since 2009 • Jokes about reaching the 20th anniversary • Commitment to continuing the show regardless of profit • Guest Savannah appearing on the first show of 2026 • Being more cautious about what's said on air • Forgetting how large the audience actually is • Anxiety about saying something regrettable • Joke about an old onion-skin fart story • Comparing influencer audiences to radio audiences • Discussion of online backlash and hate comments • Wanting reactions but rarely receiving criticism • Shoutout to video editor Melissa • Opening Christmas gifts from Melissa on air • Melissa's self-deprecating note and affectionate appreciation • Big Johnson Key West shirt gift • Jokes about wearing tiny or "baby" shirts • "Where's Bumfardo?" shirt explained • Bumfardo described as a legendary Key West grifter • Reference to a podcast episode about Bumfardo • Clarifying Bumfardo as a criminal firefighter • Gratitude and appreciation for Melissa • Living in Key West after California • Living in an Airstream on sponsor property • Romantic idea vs reality of Airstream living • Millionaires hosting guests in RVs or guest houses • Restored and comfortable Airstream • Living with a pet monitor lizard • Joking about the start of a "lizard journey" • Lizard eating pulled pork and seafood • Joke comparing lizard diet to Jeff Foxworthy • Lizard free-roaming inside the Airstream • Lizard unusually clean and well-behaved • Lizard now living at Gatorland • Using a doggie door and daily routine • Monitor lizard about six feet long • Question about reptile cleanliness myths • Hygiene concerns when handling reptiles • Lizard attacked at night in Key West • Iguanas or raccoons suspected • Bringing the lizard indoors for safety • Emergency super glue used to close a wound • Super glue working on reptile scales • Owning many exotic pets over the years • Large python kept in a one-bedroom apartment • Python named Benji • Hybrid reticulated/Burmese python • Python reaching 13–14 feet long • Bathing a python in a bathtub • Snake suddenly becoming aggressive • Snake striking when door opened • Trapping the snake in the bathroom • Child reacting to apex predators in the apartment • Sending the kid outside for safety • Question of whether pythons can seriously injure people • Preventing snake escape through a window • Subduing the snake with a quilt • Wrestling and restraining the python • Snake aggression being a one-time incident • Snakes being unpredictable • Gateway exotic pets like Pac-Man frogs • Still owning a frog • Childhood fascination with reptiles • Catching and keeping reptiles in South Carolina • Childhood "zoo" with animals in drawers • Joke about kids now having digital pets instead of real ones • Feeding large pythons big rats • Debate over live vs pre-killed feeding • Some snakes needing movement to eat • Parenting rule against exotic pets for kids • Requiring responsibility before allowing pets • Travel complications of pet ownership • Personal hamster care experience • Dad raising guinea pigs • Guinea pigs named after dictators and NASCAR drivers • Greg Biffle and Waltrip jokes • Comedy bit about guinea pig personalities • Story about Jim Colbert's Daryl Waltrip impression • Late-night drunk texts from Jim Colbert • Joke about inappropriate texts and photos • Clarifying a misspoken offensive term • Transition to Savannah's Jamaica trip • Comparison to a past Australia trip • Savannah described as highly traveled • Gatorland Global raising nearly $10,000 for hurricane relief • Shipping aid supplies to Jamaica • Bottlenecks at Jamaican ports • Long-term recovery continuing after news cycle moves on • Using funds in practical ways • Helping communities near Hope Zoo in Kingston • Providing water storage and bathroom supplies • Kids previously walking long distances for water • Purchasing a water truck • "Practical conservation" approach • Helping people so animals can be cared for • Zoo animals surviving the hurricane • Oxygen mask analogy • Dark humor about survival priorities • One-week stay in Jamaica • Challenges traveling post-hurricane • Relying on local relationships • Praise for Jamaican kindness • Airbnb hosts offering help and discounts • Importance of global relationships • Transition to friendship with Jackie Siegel • Clarifying which Jackie is being discussed • Jokes about famous Jackies • How Savannah met Jackie Siegel • Savannah's ease connecting with people • Standing out due to appearance and style • Personal recognizability as a brand • Jokes about recognizability • Fascination with ultra-wealthy lifestyles • Meeting Jackie through Real Radio • Seeing Jackie at Runway to Hope • Runway to Hope supporting kids with cancer • Walking the runway with sponsored children • Jackie filming at Gatorland • Friendship forming through time together • Difficulty wealthy people have making friends • Trust and motive issues around rich people • Jackie portrayed as kind and trusting • Idea of rich people seen as "lottery tickets" • Influence of who you spend time with • Being around Jackie compared to a soap opera • Observing Jackie's priorities and behavior • Jackie's Broadway show ending • Show based on Jackie's life • Proving critics wrong theme • Love story with David Siegel • Interest in Broadway and musicals • Wanting to take Maisie to NYC shows • Connecting Maisie's dance to Broadway interest • Kristen Chenoweth playing Jackie • Primer on Kristen Chenoweth • Wicked, Glinda, and Ariana Grande comparison • Stephen Schwartz writing the show • Jackie focused on crew losing jobs • Wanting to help displaced cast and crew • Listing backstage jobs affected • Empathy for workers over producers • Learning about Jackie's past domestic violence • Public perception not matching her full story • Misconceptions about billionaires • Assumption wealthy people should give endlessly • Overlooking effort behind wealth • Jackie having many children • Incorrect belief she married into money • Comparison to Melinda Gates • Emphasis on partnerships building wealth • David Siegel's death last year • Attending his celebration of life • Repeated cycles of success and bankruptcy • Successful people often failing many times • How David built his fortune • Origin of Westgate • David's early acting dreams • Buying land near Disney World • Purchasing a rundown hotel • Discovering the timeshare concept • Starting his own timeshare business • Joke about stealing ideas • Shoutout to women who support the show • Transition to music segment • Punk band Paradox featured • Song "I'm the Outside" • Call-in number and email plug • Sponsor read for BudDocs • Medical marijuana card process explained • Same-day appointments and telemedicine follow-ups • Dispensary deals and education • Cannabis for pain after hip replacement • Using marijuana to reduce alcohol • Return from break with Savannah • Plug for visiting Gatorland • New attractions constantly added • Arrival of Siamese crocodiles • Crocodiles kept separately • Transport from Korea to Gatorland • Animal relocation to avoid euthanasia • Cultural differences in cleanliness and order • "Tokyo depression" concept • Driving and horn etiquette differences • Safari travel mention • South Africa affordability note • Wealth spectrum discussion • Story about driving a Maserati to Walmart • Navigating wealthy social spaces authentically • Jackie's daughter Victoria's overdose • Victoria's Voice organization • Addiction treatment and Narcan advocacy • Turning tragedy into public good • Playing the clown at rich dinners • Observing human behavior like animal behavior • Studying power, money, and authority • Press box story with Phil Rawlins • Meeting Cedric the Entertainer and George Lopez • Importance of introductions and social proof • Savannah blending into elite spaces • Declaring 2026 a takeover year • Goal to make Gatorland the top park globally • Growth plans for conservation, YouTube, and TV • Using affirmations despite mocking them • Reading motivational books • Social media burnout and algorithm frustration • Thumbnails mattering more than content • AI-generated animal videos misleading audiences • Desire for human-made content spaces • Posting more freely without chasing algorithms • Encouraging visits to Gatorland • Promoting BDM Appreciation Week • Wrapping the show with gratitude ### Social [https://tomanddan.com](https://tomanddan.com) [https://twitter.com/tomanddanlive](https://twitter.com/tomanddanlive) [https://facebook.com/amediocretime](https://facebook.com/amediocretime) [https://instagram.com/tomanddanlive](https://instagram.com/tomanddanlive) Listen AMT Apple: [https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682](https://podcasts.apple.com/us/podcast/a-mediocre-time/id334142682) AMT Google: 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In this episode, I'm again breaking down the various types of passes available for national parks and other federal recreation areas, now updated with the new non-resident pass and non-resident fees. We have all of the details about how that will work for residents and non-residents alike.  I'll explain the America the Beautiful Pass, the Senior Pass, the Access Pass, and the Military Pass, detailing their benefits and eligibility criteria. Learn which pass is right for you, how to obtain it, and how to maximize your visits to federal lands.  Order your passes online here: https://store.usgs.gov/recreational-passes Get the Every Kid Outdoors 4th & 5th Grade Pass here: https://everykidoutdoors.gov/index.htm Find the  Slinky Stove that's right for your next adventure at: https://www.slinkystove.com/?ref=PARKography Join the PARKography Facebook group to discuss this episode and more: https://www.facebook.com/groups/parkography Check out our other channels focused on RV travel:   @RVMiles    @RVMilesPodcast ​ 00:00 Introduction to National Park Passes 00:26 Major Changes to Passes in 2026 01:00 Understanding Interagency Passes 02:08 Annual Pass Details 05:49 Non-Resident Fees and Passes 09:25 Digital vs. Physical Passes 13:10 Special Passes: Senior, Access, and Military 19:20 Purchasing and Using Passes 21:59 Common Questions and Tips 24:37 Conclusion

Welcome to 2026! Did you know that we are in the middle of a new sëxual revolution? What does that even mean? Is it a good thing or a bad thing? In this episode of The Love Lab Podcast, Kevin Anthony speaks with author Stephen Edwards about what the new sëxual revolution is, how he came to realize it, the lessons he learned along the way, and why this is actually a good thing. Stephen shares all of this against the backdrop of a highly sëxual and tumultuous relationship with a sëxually liberated woman that ultimately crashed and burned. To Find Out More About Stephen Edwards & His Book, Click The Link Below: https://vft23.com/

Purchasing a Burial Plot While Alive by Rabbi Avi Harari

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Send us a textIn Episode 233 of Book Talk Etc., Tina & Hannah discuss January books on the radar! It's a new year of reading and there are so many great books coming out this year–we're excited to get started!If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyCountry Road Candle Co (T)Ourmed Life Disposable Face Towels (H)Latest ReadJust Watch Me | Lior Torenberg (T)Culpability | Bruce Hollsinger (H)BOTRBloody Brick Road | Maude Royer (T)Is This A Cry for Help? | Emily Austin (H)Anatomy of an Alibi | Ashley Elston (T)The Last of Earth | Deepa Anappara (H)Very Slowly All at Once | Lauren Schott (T)Rules of the Heart | Janice Hadlow (H)The Seven Daughters of Dupree | Nikesha Elise Williams (T)The Future Saints | Ashley Winstead (H)Missing Sam | Thirty Umrigar (T)Crux | Gabriel Tallent (H)Other LinksBTE Storygraph ChallengeCurrent Read: Party of Two | Jasmine Guillory (T)Needle Lake  | Justine Champine (H)If you prefer other shopping options, you can find today's books on Bookshop.org or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk

THE FACTORY GUY Colleague Mark Clifford, The Troublemaker. By 1975, Jimmy Lai had risen from a child laborer to a factory owner, purchasing a bankrupt garment facility using stock market profits. Despite being a primary school dropout who learned English from a dictionary, Lai succeeded through relentless work and charm. He capitalized on the boom in American retail sourcing, winning orders from Kmart by producing samples overnight and eventually building Comitex into a leading sweater manufacturer, embodying the Hong Kong dream. NUMBER 10 1992 HK

Beginning January 1st many states will ban the purchase of soda and sugary snacks with snap benefits

Ready to take charge of your life and release bad habits in the new year? Book a FREE 30-minute consultation with me, and save 50% on 3-session RTT packages when you book by January 10th (use code FREEDOM2026).In this episode, I share a series of intuitive writings on the healing theme of 2026. The healing theme of 2024 was surrender; the healing theme of 2025 was embodiment; and the healing theme for 2026 is freedom with a continued emphasis on embodiment as well. ResourcesMorning Manifesto PoemEpisodesEp. 93 Healing Theme for 2025: EmbodimentEp. 57 Healing Theme for 2024: The Grace of SurrenderWork with me—schedule a free 30-minute breakthrough consultation today. Disclaimer: This podcast is intended for entertainment and informational purposes only and does not substitute individual psychological advice. No AI—all content and episodes created and written by Ashley Melillo. *This is an affiliate link. Purchasing through affiliate links supports The Soul Horizon at no extra cost to you. Thanks for your support!

Purchasing a plastic surgery practice involves more than just finding the right opportunity. We are bringing back a fan favorite episode featuring Board Certified plastic surgeon Rachel Walker, MD, who shares her firsthand experience purchasing a practice. Tune in to learn what the process really looks like, from working with a business broker and securing financing to navigating health care regulations and deal structure—whether you are ready to buy or simply asking for a friend.  Chapters00:00 Intro00:33 Banter08:22 Guest background11:42 Why did you want to own a practice?13:11 What was the ownership process like?14:30 What has ownership taught you?19:09 Did you want to be an entreprenuer?20:46 Did work with advisors to set up your practice?22:10 What advice do you have for practice owners?Watch full episodes of our podcast on our YouTube channel: https://www.youtube.com/@byrdadatto  Stay connected for the latest business and health care legal updates:WebsiteFacebookInstagramLinkedIn  

Tiff and Trish discuss the need-to-know info for the buyer of a practice, including team member transparency, new patient inflow, software use, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:01) Hello Dental A Team listeners. We are back again I have Trish with me because I freaking adore her and I the we just recorded a podcast We record a few at a time. You guys know that I batch them It's called efficiency and that will be on my tombstone per Kiera. She tells me that every day It will it will if it's any vision. I'm like, oh my gosh, this is like grating cheese by hand like come on anyways   We are here today and we just recorded a podcast. So these are kind of serendipitous that they're back to back and it ended up this way in a weird way. So I don't have to go down that rabbit hole, but we just recorded a podcast on this seller's perspective of how to ensure that you're always ready and prepped to sell no matter where you're at in your journey, making sure that 10, 20, 30, five, two years down the road, you can sell your practice and that it's not as...   as stressful an event as it would be if you were unprepared. So I can't say we can remove all the stress. I can say that we can remove some stress that is just unnecessary. So today, now, I really wanted to look at the buyer's perspective. And we kind of hit on both a little bit on the last one, but this one's gonna be a little bit different. So make sure that you listen to both. Doesn't matter which order, I don't think. We'll find out by the end and I'll tell you if you should have listened to the other one first.   I know, I know, inefficient, but it's okay. So Trish and I are here today. You guys know I adore Trish. If you just listened to the Sellers one, which you should, ⁓ you heard me just rave about Trish. And Trish, love, I realized when I was recording with Monica a couple of weeks ago, which those were fantastic, you guys, if you need information and ⁓ ideas on training your team and operations manual, et cetera, all those pieces, Monica has some stellar ideas over there. But I realized Trish, while I was   Recording with Monica, I love podcasting. I love this aspect. I'm just a weirdo like that. But I love podcasting with you guys. And I realized in the beginning ⁓ with Monica, it was our first time podcasting together. And it was the first time that I got to rave about Monica and just really say all of the things that I love about her and I think is just so incredible about her with her consulting and just who she is as a human.   And I get to do that with you guys here in this platform. And Trish, you're one of my favorite people to rave about. love all of our consultants. You guys hear me rave about them, but Trish is such an incredible human being. It is impossible to describe you. You're just multifaceted. And I realized this is my brag session time. And I'm like this, I love it. It makes me so happy inside.   DAT Trish Ackerman (02:37) Thank   I that.   The Dental A Team (02:49) to just watch you guys thrive and to get to just tell the dental community how amazing you guys are and how special it is for them to get to hear from you and to get you guys in person with them and working with their teams and the leadership that changes the profitability that I've seen come out of everyone's work is so cool. And I realized with Monica, I'm like,   this is why I love podcasting with them because I love getting to love on you guys. It's just so cool. So thank you for, I hope so. Dana's over there. just always like ask her about workout stuff, you know, and I'm like, she's, I love on her too, but I'm always like, what's your hair product? What's your, what's your workout? It's fine. It's fine. ⁓ so thank you for letting me have this space Trish and for, ⁓ always being open to all of the things that I need. ⁓ your,   DAT Trish Ackerman (03:19) We'll take it.   Thank   The Dental A Team (03:43) one of those people that I know I can trust to just be myself. So thank you for that. Thank you for being here today. Of course, of course. I love my job. So with that said, number one piece of suggestion that I have before we get into this buyer side, Kiera and I, have been at this for a little while with the Dental A Team and   DAT Trish Ackerman (03:46) You're welcome to attend, thank you.   The Dental A Team (04:06) Carers Dental Consulting and Dental Masters and whatever name we decide it's been the Dental A Team for a long time and it's going to stick the Dental A Team, it's not changing. But we have had a couple of renditions and one piece that I know we have gotten really, really good at, but that we've really had to work hard at. And from a buyer's perspective, a seller's perspective, I think this is insanely relative, the people. We have worked really, really hard at the people aspect and   pouring ourselves into the people and figuring out that that's actually what we love to do. We love to consult. We love to be with the teams and the doctors and we love to see all of those pieces. I love being on stage. I do. But pouring into our team and creating a business that's not solely dependent on Kiera and I and a company that could thrive if we're on the road, if we're on vacation, that has been a massive transition in our company.   And once we realized that and we got really good at it, we started attracting some really, really cool people. And Trish, you're one of those people and you do not shy away from letting us know that it's working ⁓ or letting me know when I'm not on my best A game of that. And I love that about you. And I love that about our team. think I can count on any one of you ladies to be that person for me. thank you.   And doctors and business owners out there, think this is a huge piece of selling or buying a practice. And Trish, you mentioned that towards the end of our sellers one is the team and really making sure that the team is there for the longterm, but they're really supportive. know if, you know, we built this company to be a sellable company. That's a known fact. It would be wild for us not to do that. It does not mean that Kiera is selling the company tomorrow, but she could.   if she needed or wanted to. And Trish, from a team perspective, just real quick to hit on that, as a team perspective, how does that make you feel ⁓ for the doctors and practice owners out there to kind of hear?   DAT Trish Ackerman (06:13) You know, this is a hot topic. I won't go down bunny holes, but I have seen many, I've been with a lot of doctors that have purchased a practice and they have acquired that team. And I've seen the bright side of it and I've seen the dark side. The bright side is what I'd like to share today because we'll put the light on that. And I also do want to, I want to add something to what you just said, Tiff, about how you and Kira are also feeling like   The Dental A Team (06:26) Yeah.   DAT Trish Ackerman (06:42) you're in a different space now in the company because of the people. But I also want to remind you that that is something that you and Kira, you built that. You built, it didn't just happen. You guys built that. you do have to, like for Kira, there is a level of trust that has to take place. And I'm sure it's really difficult. I mean, this is a livelihood. And this is the same for these dental practices. So when a buyer is coming in,   Typically they do acquire a team and it is the responsibility of the selling doctor to be very transparent. We can't leave team members out when they get shocked and just told I sold and there's a buyer coming in there. could we I've seen I've seen entire teams walk out like, okay, we're out. We're not we're not dealing with it. But when there is a lot of transparency introduction to the incoming potential buyer, sometimes they haven't even bought yet.   The Dental A Team (07:30) Yeah, thumbs up.   Yeah.   Yeah.   DAT Trish Ackerman (07:41) ⁓   and just letting the team, ensuring that the team knows that they're going to be safe. They're to be safe. There's change coming, but they are going to be okay. And if they value and adore their doctor, which many of these team members do obviously, and if they've been there for a long time, then they also want to be part of that support. So being a part of this whole process is, I always say number one, like start there.   The Dental A Team (08:07) Yeah, I totally agree. I love that. So taking that to the next layer, right, as a buyer, I think that would be a a great inquiry when looking at practices, right of what is the team's knowledge on this situation? Do they know that you're selling? How far into those conversations argue how prepared is the team? And really like, what am I walking into? I think is massive. think if you were dating,   and you are on whatever dating platform, because that's where you're finding people these days, right? And it's like, yeah, I have three kids. It's like, cool, what am I walking into? You would not just walk blindly into a family and expect everything to be just fine. It would be, you know, there's a, yeah, yeah. Like there's a courting period for both, for the parents, right? For the...   DAT Trish Ackerman (08:53) no family.   The Dental A Team (09:03) boyfriend, girlfriend, whatever it is, right? And the kids, there's a courting period for all of it. And they think that we devalue that in the buying and selling situation. I think, that was great perspective. If I'm a buyer, that's definitely a great question and inquiry to ask. And I think when you're adding additional practices, we have a lot of dentists, a lot of doctors who want to, they have their flagship and they want to expand and they want to reach more communities. And so they're adding,   another family and now we're the Brady Bunch and we're meshing these two families together, but not having that knowledge of who am I meshing into the family I already have. There hasn't been a courting period. Could be really, really dangerous.   DAT Trish Ackerman (09:44) Yeah, I can. And like, where is this new practice going to be? Like, there's so many things to look at here, but we can cover that today. And I'm so happy that we started with the team piece though, because I just want to have that all over. If you're wanting to buy a practice, where's the team, team, team? Who are you adopting?   The Dental A Team (09:45) Yeah.   Yeah,   yeah, yeah, who are you adopting? love that. And who are you expecting your current team to befriend? They've got to, you know, even if your practices are, they're never, they're never going to quote unquote work together. Not how, if you've got multiple practices that don't communicate, that don't have anything to do with each other, that's a lot of, in my opinion, that's a lot of stress. I think that's like, if we're gonna continue the dating theory, right? That's like having your family.   And then you start a second family. And you have a wife, kids, a dog, and you have a wife, kids, and a dog, and you're trying to keep these two lives separate from knowing each other. That's a lot of stress. That's a lot of work, and it's just completely unnecessary. You can adopt this practice as team and welcome them into the family that you have, as long as you already have worked on that culture. And I think if you're expanding...   Practices you're buying additional practices that culture piece has to be intact your systems have to be intact So I think buying additional practices is a fantastic idea if that's your journey That's the the road the path that you want to take and you've been called for it do it But look at those pieces so from we talked the seller's perspective earlier And I think sellers and buyers perspective is super similar just like we we had said it's like buying a house so if you're buying a house or you're selling a house you're kind of   Selling a house, you're thinking what's the buyer looking at? And as the buyer, you're looking at these pieces and how is it valuable to you? And Trish, some things that you had mentioned before was the patient base, making sure it's a healthy patient base. I think from a buyer's perspective, it's active patient base, but also then new patients coming in. Are they still getting new patients? Because that's where a lot of your diagnosis is going to come from. And then healthy profit and collections.   are huge. We've already talked about the courting of the team. What does the team know? How are they going to support the cell? I think is a great question. How is your team prepared to support the cell and making sure they're on board? But Trish, when it comes to the, I think the profit in the AR is probably for most buyers, a massive question mark. And when it comes to that as a   a doctor coming in, even if they're going to partner maybe, but buying that additional practice to come on board with yours, what are some pieces that you really look for within the profit or the collections and maybe even down to like software if you're adding an additional practice, what are some pieces you would advise your teams and your doctors to look up?   DAT Trish Ackerman (12:36) Before I even would go there, would first need to know what, like, what is the philosophy of this dentist? What kind of dentistry is he wanting to do? And there's, you know, we could, anybody can find a profitable practice somewhere close to them even. But if you're a, if you're a doctor that like wants to do heavy surgeries and you're all on fours and the big time stuff, but you find a practice that has a great patient base, good profit and all that stuff by a college.   then that might not be the right demographics for you. So like that is something that you even have to look at first. What type of patient base are you trying to attract? And what type of patient base, if you find the one that is Purcell, okay, good profit, team's healthy, accounts receivable is on point, but it's a patient base that is not going to be super open to your philosophy of dentistry, then that could be painful.   So that is also something, it might be a great deal, but that we'd be very careful about what's actually inside that patient base and if it's gonna align with the type of dentistry that we're looking to do.   The Dental A Team (13:36) Agreed.   Yeah.   I think that's like buying, you've found your perfect house. You're like, my gosh, this is the elevation that I want. It is white with black trim. It's got an acre of land, which is impossible to find and all the upgrades inside, right? This literally happened yesterday. I'm like, this is the house, but exactly, right? Like it's like backing a busy street and it's.   DAT Trish Ackerman (14:06) They a train track above it.   The Dental A Team (14:13) almost 20 minutes away from where we need to be. Right. So it's like, it's like finding your perfect home and you're like, this is the one, but it's completely outside of our school district or our, know, it's adding 20 minutes of Camille. I've done that. I have literally done that. And you guys, it was hard and it was unnecessary stress because there are more out there. So I love that you mentioned that because it's shiny objects syndrome, right?   Like that shiny object comes and it looks perfect. It's packaged beautifully, but underneath that shiny exterior is hiding something underneath that is gonna cause a lot of pain in the end. And I think that is the perfect statement there. Like watch for what it is that you want to do. Know what your philosophy is. What is it that you want to do with your dentistry?   DAT Trish Ackerman (15:08) Yep. And you can get there. It's not that they can't, but in order to get there, it's going to take some remolding of yourself temporarily. again, I'm going to use the high surgical doctor that wants to do lots of surgeries, lots of implants, but these patients have only seen one tooth dentistry and they've been patients for 20 years. We can introduce that after a couple of re-care cycles.   We need to kind of mesh with the selling doctor and the dentistry that he did and build the relationship first. So as long as the buyer can be patient, can accept that, then it can work. It can work. And it's not that difficult to do. I do think that that's when we come in very handy because that requires a lot of coaching. That does require accountability on their philosophy, behavior change.   And that's again, I mean, I don't want to totally toot our horn, but I will when it comes to that piece, because I think we do an excellent job coaching the doctors through situations like that.   The Dental A Team (16:14) Yeah, I totally agree. I've worked with a practice similar to this that came on board after purchasing the practice and ⁓ high aspirations and wants so much CE and wants to do all of these things within his dental philosophy that I am totally on board with. Although the purchase of the practice was a practice that just isn't, it wasn't ready yet. And there were a massive amount of patients, honestly, thriving.   on patient base 3000 patients within their database and very healthy active patient base. So the reactivation, the re care, like it was, it was easy to get that thing turning, but it took two to three re care cycles before he gets really start diagnosing the things that he wanted to diagnose. And just purchasing, this was a brand new practice first, you know, first time he's owned a practice. And I was like, you, you want to go in.   and you want to ramp up marketing and you want to replace the patients with the patients that you want. I hear you. I hear you. But financially and profit wise, that's not the way. And that's where, like you said, Trish, the coaching really came in handy because it was an easy space to gently add in the things that.   that he wanted and that he needed with the patient base, weeding out the patients that weren't gonna be okay with it, keeping the patients that were and now being ready to implement some marketing in a few months. know, it's still about a year and a half out from original ownership of this practice. Now we're ready to start marketing, but we had to get there because the finances had to make sense. And so I love that you say that, because I think a lot of people think it's totally fine. Like I can fix him.   Yeah, those things bother me, but we'll train it out of them. it's not really the patient base that I want, but I can replace it with new ones. Can you? Because if you're next to a college, like Trish said, you might not be able to do it as quickly as you need to. And honestly and truly, you may not be able to do it. So I love that analogy.   When it comes to profit in the AR, I think that's an easy space for doctors to look at that they kind of freak out about. But again, Trish, like you said, when you've got somebody behind you, you've got a coach. I know we've helped a lot of practices purchase their, not helped them purchase their practice, but really helped look at the pieces of it. It is an easy space for us to see healthy, not healthy when it comes to finances.   pulling the reports and kind of like going in and getting all the pieces, not our jam. That's not the type of consultants that we are, but we are the type of consultants that will walk you through step by step on what to look for. We will help look at P &Ls. We will help look at the overhead costs and the ⁓ health of the AR and credits like Trish mentioned, and really help to advise and give opinions. ⁓ But outside of that, for a buyer who's adding that practice,   I think you nailed it saying, what's your philosophy? Cause we're adding this practice. this going to be, is your philosophy that you want one of them to be GP and like bread and butter and you want the next one to be, you know, cosmetics. And is that the philosophy that we're going for? Like, what is that going to look like as a buyer? You've got to make that decision first, not while you're looking at practices. I think that would be really dangerous to not really know what you want and then go into it be like, well, this could be.   Well, is that what you want? So I love that. Something I think Trish that's kind of like simple that is often missed is software. What software are they using? Is this a software we know? Is it, is it one we're using? Is it one that we want to use? You know, Eagle soft compared to Dendrix or open dental compared to curve, like very, very different systems. Um, and this is wild. It's 2025, but there are still   Practices out there. I love them dearly. I love you guys. I love you so much all of you that are using paper They're not chartless and in this day and age the practices the doctors who own practices that are growing They're purchasing additional practices. You guys are like you're with it. The technology is there you've got CBT CT scans. You've got scanners. You've got Mobile everything you you're pulling up x-rays on your phone from your dental software and these   practices that you're purchasing, these practices that are out there are typically not gonna be super in alignment with that. So what is that reinvestment going to look like? And again, I think, Trish, back to the team aspect, can the team support it? Are they going to support it? Are they prepared to support it? ⁓ What do you think, Trish? What's your opinion on that?   DAT Trish Ackerman (21:07) Well,   I'm actually going through something similar right now. And here is my coaching around that. they're not paper, they're not paper, but they are dentrics and they have been dentrics for forever. I mean, honestly, think one of the team members has been there 20 years and this is all she knows. And that's okay. Okay, dentures is great. However, the new doctor who's been there 60 days   The Dental A Team (21:28) That's what you think. Yeah.   DAT Trish Ackerman (21:37) is ready to transition to either fuse or curve, one of the two. And we had a long discussion about this yesterday and I begged him, please pump the brakes on that. Because if you're buying a practice and you're acquiring the team and they're going through so much change as it is, and if you throw too much onto them and we go through a massive software shift like that, that could actually drive team members   to leave. I mean, I could. That's a huge shift or just a huge change. It's difficult. It doesn't mean that they don't get through it, but that's just another, that's just something else to really look at. Now, if it's paper, I kind of, would almost, I mean, that's a toughie, but I would almost say hold off for at least 90 days. Like just get in there, build the relationship with the team. I know that the Biden doctor would be chomping at the bit. We've got to some.   The Dental A Team (22:08) Absolutely.   DAT Trish Ackerman (22:36) some new technology in there when it comes to software. But when we're buying, those are still things that we do. Either we need to be super slow with and or have such a bond with the team and spoil them right out of the gate that they become our partners quickly. And that is also possible. It truly is possible. But again, building the relationship with the team. If you're going to throw a software change in there like that, then we need to be strategic on how and when.   The Dental A Team (22:39) Yeah.   Yeah. And I think that I agree and what is massive. agree. And going from Dentrix, you guys, like people who use Dentrix, I'm a Dentrix girl. ⁓ I used Dentrix for almost 20 years in practice and it is, yeah, Dentrix is like iPhones. I, in my opinion, Dentrix is like Apple. Once you're in it, you're just, you're sold. You're like, Dentrix is life. Apple is life. Right? Like I know my phone, the capabilities of my phone is so much more than what I have.   DAT Trish Ackerman (23:07) and what.   Good stuff.   The Dental A Team (23:35) but I am so infused and integrated into the Apple web. I can't imagine being out of it and not having an iPhone. Dentrix is very similar. So if you can relate, relate. ⁓ But I think Tresh what you mentioned that I agree. I totally agree. Waiting timeline, you guys. And we're really good at timelines. We are really great.   at taking all of the ideas that you want and being like, fantastic, let's build you a timeline. Let's get this charted for you. And then you know the path that you're going down. So reach out to us. Hello@TheDentalATeam.com. If you are a client, like talk to your consultant, that's what we are really, really good at that. But what you made me think of again is that courting process. Because if you're courting the team and the selling doctor and you're building a relationship with the selling doctor and the team ahead of the purchase,   you're already ahead of the game when it comes to that because they are ready to welcome you and support you. And if you've done it right, right, like I know that my boyfriend's kids will know that a dish goes in the dishwasher, right? It drives them nuts. A dish goes in the dishwasher, right? But that's already gonna be a known fact because there's a courting process, right? So what are the quirks? What are the things that   A team really needs to get to know about you. So it's not a complete shock when you come in. So anyways, I loved this. I, I loved the seller's perspective, but I love the buyer's perspective too. And really being able to see that. Yeah. Thank you Trish for all of that. If you were to pick say three action items for ⁓ someone who's thinking about adding a practice or buying a practice, what would the top three action items be for them?   DAT Trish Ackerman (25:04) I did so.   Really know your demographics. How far away is it from your other practice? If you're adding an additional practice, how far away is it? And what is the team going to do when you come in? How can you establish that team prior? And how can you get the trust and the buy-in from that team first? Because what you don't want is to buy a practice and then the team leave.   The Dental A Team (25:40) Yeah, yep, I love that. Demographics, location, team. Those are fantastic places. Yeah.   DAT Trish Ackerman (25:45) And then we look at everything else. But those   are the time I would start there and make sure that the demographics are good, the team is good, and then everything else we can work out and coach through.   The Dental A Team (25:49) Yeah.   okay.   Yeah, I totally agree with you. It makes me think of, of interviewing. always say, get the demographics out of the way first, because if your practice is too far for someone to drive, they're not willing to drive there. All of those other questions that you asked before you got there are null and void. They mean nothing. So save yourself some time, check the demographics, the locations you want patient base demographics, location base, and then you want team. So I love that. Thanks Trish.   DAT Trish Ackerman (26:23) Yep.   The Dental A Team (26:24) Okay, that's a wrap   guys. I hope you enjoyed this. You do not need to necessarily listen to the sellers first. So you're welcome. We wait until the end. I told you I would tell you. You can listen to them in whatever order you want to. But listen to them both. So that was your buyer's perspective. Trish, I love ⁓ bantering with you. Thank you so much for your perspectives and your wit. you guys, drop us five star review. Let us know what you loved. Let us know any other ideas you have or if you have purchase practice.   practices put them in the notes you guys because people again they really do read those if you have tips and tricks we want to hear them too we Learn these things from you guys as well. It's not just knowledge. We were born with this is from experience So go do the things Hello@TheDentalATeam.com You can head over to our website TheDentalATeam.com and you can actually schedule a free consultation with our team and we will be happy to help you in whatever ways we can and As Trish loves to say go be amazing   DAT Trish Ackerman (27:21) Thanks, Tiff.

What if you could improve inventory accuracy without scanners, fancy tech, or extra staff—just smart cycle counts and creative teamwork? On this Season 16 finale of Power Supply, we're joined by Kimberly Alexander, Director of Materials and Purchasing at Huggins Hospital, for a look at how critical access hospitals can master annual inventory with limited resources. From managing unlocked storerooms on the honor system to coordinating manual cycle counts with lean teams and spreadsheets, Kimberly shows how limited resources don't have to mean limited results. She also addresses the unique challenges of critical access: weekend coverage gaps, seasonal demand swings, and wearing multiple hats across purchasing, receiving, and delivery. Whether you're preparing for annual inventory in your critical access hospital or wondering how to do more with less, this conversation delivers real lessons from someone making it work! Once you complete the interview, jump on over to the link below to take a short quiz and download your CEC certificate for 0.5 CECs! – https://www.flexiquiz.com/SC/N/ps16-08 #PowerSupply #Podcast #AHRMM #HealthcareSupplyChain #SupplyChain #Inventory #CriticalAccess #AnnualInventory #Lean

Do you feel like your relationship has gotten of course? Are you unsure if you can fix it or not? If you could fix it, where would you even start? In this episode of The Love Lab Podcast, Kevin Anthony speaks with couple Zeke & Terri about how their relationship got off course over the years, how it eventually led to the decision to divorce, and how they accidentally ended up rebooting their relationship and are thriving today. You'll never guess what initially got them back on track! No matter where you are in your relationship, this is a real life story that proves it is possible to fix things even when they get really bad. Sign up to Beducated and use the code LOVELAB to get 50% off the yearly pass, locked in for life. https://beducate.me/pd2550-lovelab To Find Out More About Zeke and Terri, Click The Link Below: https://www.zekeandterri.com/

SALE: For a limited time only, save 50% on 3-Session RTT Packages—a savings of nearly $700. Click here to book now.Click here for details.In this episode, we'll explore the first step in resolving and releasing stored trauma—creating and maintaining safety within the body.Resources + LinksBook a free 30-minute breakthrough consultation with me.Guided Hypnotherapy TrackCalm, Balanced, Peaceful Nervous System (available for purchase)BooksThe Science Backed Polyvagal Healing Workbook for Beginners*The Biology of Trauma* by Dr. Aimee ApigianThe Body Keeps the Score* by Bessel Van Der Kolk, M.D. ProgramsThe Foundational Journey (Begins February 2, 2026—Dr. Aimee Apigian's 6-week program to create inner safety)ResourcesMy Brain Rewired: Rewire Your Brain with the Power of Neuroplasticity (website)Jon Kabat-Zinn (mindfulness website)PsychotraumatologyTrauma Sensitive Yoga (David Emerson)PracticesYT Video: Qigong for Calming the Nervous SystemYT Video: Straw Breathing for Nervous System RegulationImprovisation ExercisesFeldenkrais Method (Mindful Movement)Somatic and Sensorimotor PsychotherapyArticles6 Neuroplasticity Exercises for Anxiety Relief by PsychCentral7 Effective Neuroplasticity Exercises for Brain Rewiring by My Brain RewiredThe Science of OM: How Chanting Calms Your Mind and BodyHow Qigong Calms the Nervous System and Transforms Stress Into VitalityBuilding Our Sense of Agency by Trauma Aware AmericaWork with me—schedule a free 30-minute breakthrough consultation today. Disclaimer: This podcast is intended for entertainment and informational purposes only and does not substitute individual psychological advice. No AI—all content and episodes created and written by Ashley Melillo. *This is an affiliate link. Purchasing through affiliate links supports The Soul Horizon at no extra cost to you. Thanks for your support!

⬇️ How a crush turned into continuing a 75 year family business ⬇️Even as my pet toy business expands nationwide and internationally, I still hold the family pet shops near and dear to my heart. These are hardworking American families just like mine, trying to provide a great place to work for their employees and to spread smiles to pets and pet owners. Anaheim Feed is no exception - they're a local pet shop in Southern California that's stayed in the family for almost 75 years. Today I invited Sarah Watts, their Purchasing & Merchandise Manager, to chat about the business. We don't play favorites here at ZippyPaws, but we would be lying if we said they weren't one of our favorite customers

Send us a textIn Episode 231 of Book Talk Etc., Tina & Hannah discuss the books that they personally deemed under, over and appropriately hyped for 2025 book releases!If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyBeanTok (T)YA Has Entered Its Awkward Adolescence - Article (H)Latest ReadA Guardian and a Thief | Megha Majumdar (T)Passion Project | London Sperry (H)Over, Under, and Appropriately Hyped BooksLinks to all books mentioned can be found HEREHyped PredictionsKin | Tayari Jones (T)Half His Age | Jennette McCurdy (H)If you prefer other shopping options, you can find today's books on Bookshop.org or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk

In this special episode of The EV Ready Podcast, hosts Justin Ries and John Gilbrook talk with Nick Trout from Sourcewell to explore how cooperative purchasing helps state and local governments, schools, and nonprofits streamline EV and energy management projects while cutting costs and reducing risk. How Cooperative Purchasing Accelerates EV Charging and Energy Management for Public Entities Using Sourcewell's cooperative purchasing model, public entities can bypass lengthy, resource‑intensive RFP processes and move faster on critical EV and energy management projects. By leveraging competitively solicited contracts like EVready's Sourcewell award, agencies gain access to pre-vetted vendors, transparent pricing, and contract terms that already meet procurement and compliance requirements.​ For state and local governments, school districts, and nonprofits, this structure: Reduces administrative burden Shortens procurement timelines Lowers the risk associated with selecting new EV and energy management partners Instead of writing their own complex solicitations, buyers can “piggyback” on Sourcewell's competitively bid contracts, allowing them to focus on planning and implementing EV charging infrastructure and fleet electrification strategies that align with budget and sustainability goals

What if you could cut overdue bids by more than half without buying a new e-procurement system? We sit down with Stacia Dawson and Michael Stroud from Missouri's Division of Purchasing to unpack a practical playbook for turnaround time management that anyone can adopt. Their approach blends simple tooling—Smartsheet for structured data and Tableau for clear visuals—with tight weekly reviews that turn insights into action.We walk through the foundations: setting phase-based goals, logging actual dates with consistency, and using a stoplight status to keep focus on what's at risk. Stacia shares how the team moved beyond giant spreadsheets and guesswork to a living dashboard that sorts work from oldest to newest, reveals bottlenecks fast, and makes it easy to intervene. Michael explains why low-code tools were the right fit: low cost, fast to implement, and flexible enough to evolve as the team learned. The result? A 62% reduction in overdue bids, faster cycle times, and a shared understanding of what drives delays.If you're looking to modernize public procurement with limited resources, this story shows exactly where to start: one sheet, a few well-chosen fields, simple color rules, and a weekly cadence that makes data matter. Subscribe for more practical procurement strategies, share this episode with your team, and tell us: which metric would you track first to unlock faster, fairer awards?Follow & subscribe to stay up-to-date on NASPO!naspo.org | Pulse Blog | LinkedIn | Youtube | Facebook

Are you over 50 and back out on the dating scene, or soon will be? Has it been a long time since you dated or had sex with someone for the first time? Do you feel like your body is different than when you were younger? In this episode of The Love Lab Podcast, Kevin Anthony talks with mid-life sex and relationship expert Karen Bigman about what changes both in your physical body and your mind, what challenges can arise, how to overcome them, and how to make dating and sex after 50 amazing! To Find Out More About Karen, Click The Link Below: https://www.taboototruth.com/

SALE: For a limited time only, save 50% on 3-Session RTT Packages—a savings of nearly $700. Click here to book now.This is the first episode in a two-part series on trauma. In this episode, we'll be exploring the ins and outs of trauma—a more inclusive definition of what trauma is, how it occurs, why it gets stored in the body, and the stages we must move through in order to release it. We'll also discuss the very likely possibility, based on new understandings of trauma physiology, that most (if not all) of us have unresolved trauma stored in the body and how our most limiting patterns, behaviors, habits, and beliefs might actually be symptoms of unresolved trauma rather than personality quirks.Sources + ResourcesResourcesMy Brain Rewired: Rewire Your Brain with the Power of Neuroplasticity (website)BooksThe Biology of Trauma* by Dr. Aimee ApigianThe Body Keeps the Score* by Bessel Van Der Kolk, M.D. ArticlesHow Common is PTSD in Adults? by U.S. Department of Veterans AffairsSelf-Directed Neuroplasticity by MindOwl6 Neuroplasticity Exercises for Anxiety Relief by PsychCentral7 Effective Neuroplasticity Exercises for Brain Rewiring by My Brain RewiredThe Science of OM: How Chanting Calms Your Mind and BodyHow Qigong Calms the Nervous System and Transforms Stress Into VitalityBuilding Our Sense of Agency by Trauma Aware AmericaNeurobiological Imprints of TraumaThe Triphasic Model for Treating TraumaHow Does Your Body Remember Trauma?The Trauma Loop: Why You Keep Repeating Old Patterns (and How to Break Them)Work with me—schedule a free 30-minute breakthrough consultation today. Disclaimer: This podcast is intended for entertainment and informational purposes only and does not substitute individual psychological advice. No AI—all content and episodes created and written by Ashley Melillo. *This is an affiliate link. Purchasing through affiliate links supports The Soul Horizon at no extra cost to you. Thanks for your support!

Joel Pearl (@JoelPearl) and Sean Ross Sapp (@SeanRossSapp) take your superchats and humperchats: Save now on the perfect gift with Aura Frames! Get $35 off Carver Mat at https://on.auraframes.com/FIGHTFUL. Use the promo code FIGHTFUL at check out! Grab your EXCLUSIVE NordVPN Deal by going to http://nordvpn.com/fightful to get a Huge Discount off your NordVPN Plan + a Bonus Gift! It's completely risk free with Nord's 30 day money-back guarantee! ➼ https://nordvpn.com/fightful Try it risk-free now with a 30-day money-back guarantee! If you want to bet on Wrestling, or any other sport, check out our new partner where we get ALL of our odds! https://mybookie.website/joinwithFIGHTFUL and use the promo code FIGHTFUL. Deposit $100, get $50. Go in with $200, and they'll make it $100! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Please also consider supporting our sponsors:@Saburrtooth Tools for all of your Power Carving needs. Use code "WH" for 10% off@maritimeknifesupply https://maritimeknifesupply.ca/ for all of your knife supplies and more! Follow us on IG:Working Hands Podcast AccountTik TokPatreongrab some MERCHTony Woodland @woodlandironKeith Drennan @blackthornconceptsIf you would like to support the show: Click Here leave a 5-star review, and most importantly - Tell a friend to listen!

Send us a textIn Episode 230 of Book Talk Etc., Tina & Hannah discuss their thoughts on some new releases that they have read recently, and also dive into their bookish related ins and outs for 2026!If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyVivid Scribbles - Dot Grid Journal (T)Bag Large Zipper Corduroy Make Up Pouch (for journaling items) (H)Latest ReadCursed Daughters | Oyinkan Braithwaite (T+H)Book TalkSecret of Secrets | Dan Brown (T)The True True Story of Raja the Gullible (and His Mother) | Rabih Alameddine (H)Her One Regret | Donna Freitas (T)Conform | Ariel Sullivan (H)Shelf AdditionsJust Watch Me | Lior Torenberg (T)Molka | Monika Kim (H)If you prefer other shopping options, you can find today's books on Bookshop.org or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk

This episode tackles the complex challenge of applying the hardware-centric clauses of ISO 13485 to Software as a Medical Device (SaMD). Adnan Ashfaq, founder of Simply Medica, joins Etienne Nichols to dissect how traditional standards intended for physical manufacturing must be creatively interpreted for the virtual world of software development, where apps update weekly and cloud-based systems evolve in real-time. The conversation zeroes in on the often-muddy areas of production and service provision (Clause 7.5), emphasizing that these clauses are far from non-applicable, requiring a "virtual manufacturing space" mindset.A significant focus is placed on the Software of Unknown Provenance (SOUP), treating these building blocks as purchased components that require robust supplier evaluation and validation, bridging Clause 7.5 (production) with Clause 7.4 (purchasing). The discussion extends to crucial concepts like the Software Bill of Materials (SBoM), the complexity of Agile vs. Waterfall approaches within the standard's framework, and the essential role of the new FDA Computer Software Assurance (CSA) guidance in risk assessment.Beyond production, the experts explore the application of resource management (Clause 6), specifically addressing infrastructure, contamination control (malware/ransomware), and the critical need for a well-documented Design Transfer to Production (Clause 7.3.8) evidenced by a complete software release package, including all 62304 requirements. The episode provides actionable insights for quality and compliance professionals struggling to maintain speed and innovation while strictly adhering to regulatory requirements.Key Timestamps01:45 - The changing landscape: Why traditional MedTech rules struggle with modern software updates.03:50 - Historical context of ISO 13485 and its non-distinction between hardware/software.05:05 - Starting Point: Clause 7.5 (Production and Service Provision) and the "Virtual Manufacturing Space" concept.06:20 - Unpacking Software of Unknown Provenance (SOUP) and its link to Clause 7.4 (Purchasing).08:35 - The necessity of validating the development environment (GitHub/GitLab) and building blocks.11:10 - Applying Clause 4.1.6 (Software Validation) to SOUP items and master validation plans.12:20 - Applicable vs. Non-Applicable Clauses: Sterilization/Cleanliness vs. Installation.13:55 - Clause 4.2.3 (Medical Device File) for SaMD: E-labels, UDI, System Architecture, and SBoM.16:30 - Cybersecurity controls and the manufacturer's responsibility for identifying state-of-the-art standards.17:35 - Defining "Production" for continuously updating software and managing significant vs. non-significant changes.20:15 - Clash of Standards: Agile development, ISO 13485, and the missing documentation for version control risk assessment.21:30 - Clause 6.3 & 6.4 (Resource & Work Environment): Looking at data security, access controls, and contamination (malware/ransomware).24:45 - Clause 7.3.8 (Design Transfer to Production): The need for a formal software release package and the importance of the Software Design Trace Matrix.26:00 - The 16 essential documents needed to meet IEC 62304 requirements.27:10 - Production controls when the user influences the outcome (customizable features,...

Text me Your email for my Booking Link“If you get irritated with every little scratch, how are you going to cross the jungle?” – VaniIn this episode I'm sitting down with someone incredibly special — one of my long-time coaching clients and a true Yoga Studio success story, Vani Shukla, owner of Yoga Spirit Studios in Adelaide, Australia.I've worked with Vani for over three and a half years, and I've watched her go from navigating the chaos of buying a legacy studio after COVID… to becoming a confident, grounded studio leader with a brand, schedule, team, and community that finally aligns with who she really is.If you're a teacher dreaming of owning a Yoga Studio — or you've taken over an existing one and you're still figuring out how to make it yours — Vani's journey is going to feel honest, relatable, and incredibly inspiring. I'm so excited to share her story with you.We cover:– Yoga as part of daily life growing up in India– Four years of formal yoga + yoga therapy study before she ever taught– Moving to Australia and the “meant to be” moment she found Yoga Spirit– What it's really like to buy an existing Yoga Studio post-COVID– Team dynamics, member expectations, and making bold decisions– Rebranding slowly and intentionally once the foundations were strong– Balancing traditional lineage with a modern Western yoga market– How mentoring helped Vani gain clarity, confidence, and directionLinks Mentioned:Yoga Spirit Studios – Adelaideand 2026 India Yoga & Ayurveda Retreatshttps://www.yogaspirit.com.auYoga Spirit on Instagramhttps://www.instagram.com/yogaspiritadelaideVani's personal Instagramhttps://www.instagram.com/yogasadhanawithvaniConnect with Michael / Yoga Biz ChampFree strategy call for Yoga Studio Owners

The new Hurricanes board chair is determined to turn around the books of the struggling Super Rugby franchise. Developer Malcolm Gillies has acquired the 50% stake in the club, offloaded by the Wellington Rugby Union to balance its own books. The franchise has collectively lost $4 million in the past three seasons. Gillies told Heather du Plessis Allan it's a good investment. He says there's a lot of untapped potential, but there's certainly a lot of things to do. Tony Philp, who recently departed as the club's general manager of rugby, will assume the interim CEO role. LISTEN ABOVE See omnystudio.com/listener for privacy information.

PLEASE DONATE HERE: https://www.gofundme.com/f/christmas-for-kids-2025   Christmas for Kids is a fundraiser created to provide children in need with Christmas gifts. Whether that's donating toys to children's hospitals and foster homes, or sponsoring struggling families.   Our goal is to raise $10,000 to spend as follows: Purchasing gifts to donate to children's hospitals and foster homes Sponsoring families in need   This campaign was started with the hope to bring back a little happiness to the difficult lives of these children. To put a smile on a child's face is one of the purest forms of joy and fulfillment I know. Every year, thousands of children spend Christmas without toys and family meals, some without warm homes and beds, some in a hospital! There are thousands of families that have fallen on hard times whose struggle seems to double during the holidays.   That's where we come in!   With the funds we raise, we will sponsor as many families as we can, with whatever they may need this holiday season. Whether that's food, clothing, toys and games, appliances, help with the bills…whatever we can do to make their holiday season a little brighter.   However, rather than spending money at big corporations that don't need it, we shop local. We spend the money at local "mom and pops" stores - small businesses that are family-owned. We find this works two-fold: We can buy gifts for children in need as well as support small businesses!   We are asking all of you to write us letters for someone you know that needs a little help during the holidays. We ask that you provide the name of the family, along with a description of their current situation and what we can do to help. If we select your family and you wish to remain anonymous, we will not disclose who sent us the letter. Our goal is to provide these families with gifts, food, a Christmas tree, or even just help with bills. Please send letters using the form on our website: Christmas for Kids Letters.   We greatly appreciate all your generosity and support. Please donate and share this page with friends and family. Let's spread the word, spread the love, and spread the spirit of Christmas to the kids!   You are amazing! Please stay safe this holiday season. Thank you and God Bless!

We all have unconscious patterns that influence our behaviors. But do you know how to recognize these patterns? Do you know how to determine which patterns are serving you and which are not? In this episode of The Love Lab Podcast, Kevin Anthony speaks with Dr. Shahrzad Jalali about what these patterns are, where they come from, what impact they have, how to recognize them, how to determine if they are serving us or not, and what we can do to heal them. Along the way, Dr. Jalali drops a few important truth bombs. To Find Out More About Dr. Shahrzad Jalali, Click The Link Below: https://drshahrzadjalali.com/

In this episode, I chat with Melissa Monte. Melissa is the host of Mind Love™, a top-ranked podcast with over 5 million downloads. She's known for questioning everything—religion, government, culture—and guiding people back to the truth inside themselves.Her work blends neuroscience, storytelling, and spiritual sovereignty to help people rewire their minds, reclaim their voice, and live like they actually mean it. After surviving trauma, addiction, and a felony charge for someone else's crime, she rebuilt her life from the inside out. Now she helps others wake up, break patterns, and write stories that actually reflect who they are.Connect with Melissa:Website https://mindlove.comInstagram: https://instagram.com/mindlovemelissaTikTok: https://tiktok.com/@mindlovemelissaWork with me—schedule a free 30-minute breakthrough consultation today. Disclaimer: This podcast is intended for entertainment and informational purposes only and does not substitute individual psychological advice. No AI—all content and episodes created and written by Ashley Melillo. *This is an affiliate link. Purchasing through affiliate links supports The Soul Horizon at no extra cost to you. Thanks for your support!

Send us a textIn Episode 229 of Book Talk Etc., Tina & Hannah talk about the Goodreads Choice Awards! Tina talks a little bit about her experience reading through the mystery and thriller nominations, and we discuss the pros and cons of the awards and how they operate.If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyFly Paper Products (T)Barefoot Neighbor - Website (H)Barefoot Neighbor CookbookBarefoot Neighbor - TikTokLatest ReadDon't Let Him In | Lisa Jewell (T)In A Holidaze | Christina Lauren (H)Book TalkBook Riot ArticleDominion | Addie E. CitchensVera Wong's Guide to Snooping (on a Dead Man) | Jesse Q. Sutanto (T)Amity | Nathan Harris (H)We Are All Guilty Here | Karin Slaughter (T)The Lilac People | Milo Todd (H)Shelf AdditionsThe Valley of Vengeful Ghosts | Kim Fu (T)Like Family | Erin O. White (H)If you prefer other shopping options, you can find today's books on Bookshop.org or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk

Intentional Discipleship – Small Circles, Big Impact | Steve McCoy To view Small Circles Resources visit: https://www.smallcircle.com/  The recipe for a culture of discipleship requires some indispensable ingredients and among the essentials are two primary components: intentional strategy and tools. Without these, a culture is rarely developed and disciple making is left to random chance and this is a predicament that smallcircle aims to resolve by providing tools designed to catalyze a one-to-one disciple-making culture within local churches. Join Bobby Harrington (Discipleship.org Founder and Executive Director) as he interacts with Steve McCoy who is a senior pastor and the visionary behind small circle. Key Takeaways  Discipleship in Three Circles | Steve McCoy 00:00 Introduction and Background of Steve McCoy 00:27 The 360 Church and Its Discipleship Philosophy 04:27 Intentional Strategy for Disciple Making 05:07 The Importance of Relational Depth in Small Groups 08:24 Introducing the Small Circle Tool 08:33 The Why Behind the Tool 11:38 Developing Confidence in Everyday Disciple Makers 17:58 Structuring the Discipleship Tools 29:59 The Flexibility of One-to-One Discipleship 30:23 Tools for the Disciple Maker 30:53 Journaling and Scripture Memory 31:36 Additional Resources and Reading 33:36 Purchasing and Costs of Discipleship Materials 34:21 Introduction to the Small Circle App 37:32 Navigating the App and Its Features 44:42 Global Reach and Language Translations 52:56 Final Thoughts and Encouragement Check out Discipleship.org for resources on disciple-making: https://discipleship.org/resources/  Have you subscribed? Click HERE – https://www.youtube.com/@discipleshipdotorg/featured  Take the FREE Disciple Maker Assessment: https://church-multiplication.com/disciplemaker/ Come to the The National Disciple Making Forum: https://discipleship.org/national-disciple-making-forum/ Stay informed - Get our newsletter:  http://eepurl.com/hPViAr Listen - Disciple Maker's Podcast:  https://discipleship.org/resources/podcast/ See below for a longer description:  In this insightful video, Steve McCoy, lead pastor at 360 Church, shares his unique approach to disciple-making that originates from Jesus' methods. McCoy discusses his journey from church planting to leading a thriving congregation that emphasizes intentional discipleship. Central to this approach is the concept of the '360 Church,' represented by three circles: large weekend worship gatherings, mid-sized small groups, and intimate one-on-one or micro-group discipleship settings. This method aims to replicate Jesus' relational disciple-making style, fostering deeper connections and spiritual growth among church members. McCoy outlines the various levels of discipleship at 360 Church, such as congregational worship, deeper discussions in small groups, and highly personalized one-on-one discipleship relationships. He also introduces a discipleship tool called 'Small Circle,' which is available for free on mobile apps and features a range of resources structured to ease everyday people into disciple-making roles. The tool includes detailed lesson plans, scripture, memory verses, and methods for fostering a strong relational depth. The discussion further goes into the importance of practical tools in empowering individuals like 'truck driver Ted' to become effective disciple-makers. Steve McCoy emphasizes the necessity of providing everyday church members with the confidence and resources to engage in discipleship, thereby creating a movement within the church community. Today's video promotes the logical use of discipleship tools that go beyond mere information transfer to achieve life transformation and relational depth. This video is a must-watch for church leaders, pastors, and anyone interested in practical disciple-making strategies. Tune in to learn how intentional and relational discipleship can transform both individuals and entire church communities. We would be honored if you would share this video, to grow our mission of equipping the church to make disciples. Please comment like and subscribe to this video for more tools on disciple making.  Check out our Blogs: https://discipleship.org/blog/ 

Purchasing and wearing lingerie can often be surrounded by comparison, insecurity, and pressure, but it doesn't have to be! In this episode, Melina Weekes of Dainty Lace shares how fabrics, colors, mindset, and small daily practices can help women feel genuinely beautiful and confident in their own skin. Whether you're brand-new to lingerie or wanting to rekindle confidence in your marriage, this episode offers practical, uplifting guidance rooted in self-worth and connection. In this episode, we cover: How comparison keeps women (and men) stuck  The way different fabrics influence how you feel and why that matters in intimacy How to discover your color season and why the right tones instantly boost confidence Why lingerie isn't "just for the wedding night" How Christian women can reclaim confidence without compromising values Lingerie shopping as a husband Melina's surprising "black belt sex tip" (hint: it involves cowboys

We're taking some time to highlight our best Gymsplain Episodes. Today Garrett and Jill talk all about the home-buying process. Jill has an insider's perspective as a mortgage broker, and Garrett recently bought a home! They discuss Garrett's experience and the lessons he learned that can be applied to anyone starting this process. Purchasing a home is an amazing accomplishment, but the process can be tedious. If owning a home is one of your goals, this episode will help you prepare.    For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.

The financial system we rely on today isn't what it used to be. From the Fed's creation of "reserves" instead of real money to the collateral-driven markets that emerged after 2008, Lance Roberts & Garrett Baldwin break down how the game has changed—and what it means for your wealth. We cover everything from repo markets, ETFs, and the Buffett Indicator to the rise of passive investing and why sovereign nations are quietly buying gold. Plus, we explore how debasement works in real terms—through asset prices, housing costs, and purchasing power—and why education about money is more important than ever for the next generation. If you've ever wondered how the system really works, or what comes next when "no one wants to buy the debt," this is your deep dive into the new era of money, markets, and wealth. 0:00 - INTRO 0:18 - The Substack Battle 3:15 - We are not printing money - the Fed's ability to create unlimited reserves; the multiplication of purchasing power has brought us to where we are today. 5:16 - How money is created (chart) 8:15 - Without REPO, Wall Street does not open How the system shifted after 2008 - more collateral-driven 11:47 - What Alan Greenspan did in 1999 - Slowing the Velocity of Money 14:45 - The System is broken - why we have to check in with Brussels, Frankfort, Japan before executing monetary policy Impact of passive investing 19:54 - Real Household Equity Ownership (chart) - inequity of wealth 21:08 - The folly of a 50-year mortgage How to really make housing more affordable CATH EFT 26:05 - How we got ETF's 28:35 - What happens when no one buys debt anymore? 31:02 - The Buffett Indicator - Valuations & Market trends 32:44 - The Construct of Debasement in asset prices, land, and output - what it really is 34:58 - Purchasing power of a dollar (Chart) 38:17 - The Damage Done by Stimmie checks 39:20 - The Hedge of Tomorrow (2024) What did the wealthy buy? 41:46 - Why Sovereigns Buy Gold 42:41 - Adapting as the Rules are Broken - The Nvidia Story 44:07 - Teaching Kids About Finance & Investing, Budgeting & Life Focus on Education with an eye to future earnings 49:45 - Stocks for Christmas STU 52:24 - Being the Author of your own Life #FinancialSystem #FederalReserve #MarketCycle #WealthInequality #GoldAndDebt

Happy Thanksgiving! We're on a break this week so enjoy this replay of episode 46!On this episode we welcome back the "sportscaster" of Alternative Grading, Dr. Matt Townsley, to talk about his new book Extinguishing the Fires within Assessment and Grading Reform. As Alternative Grading practices grow and take shape throughout the United States, efforts to resist these reforms are also growing. This incredible new book offers practical guidance to navigating the complexities of transitioning to alternative grading architectures and how to address the seemingly inevitable pushback that many of us are now experiencing. Based on the lived experiences of the authors, this book is a MUST READ for anyone concerned about advocating for grading reform.LinksPlease note - any books linked here are likely Amazon Associates links. Clicking on them and purchasing through them helps support the show. Thanks for your support!Extinguishing the Fires Within Assessment and Grading Reform, Garth Larson, Becky Peppler, Don Smith, Matt Townsley.ResourcesThe Grading Conference - an annual, online conference exploring Alternative Grading in Higher Education & K-12.Some great resources to educate yourself about Alternative Grading:The Grading for Growth BlogThe Grading ConferenceThe Intentional Academia BlogRecommended Books on Alternative Grading (Please note - any books linked here are likely Amazon Associates links. Purchasing through them helps support the show. Thanks for your support!):Grading for Growth, by Robert Talbert and David ClarkSpecifications Grading, by Linda NilsenUndoing the Grade, by Jesse StommelGrading for Equity, by Joe FeldmanThe Grading Podcast publishes every week on Tuesday at 4 AM Pacific time, so be sure to subscribe and get notified of each new episode. You can follow us on Twitter, Facebook and Instagram - @thegradingpod. To leave us a comment, please go to our website: www.thegradingpod.com and leave a comment on this...

Are you looking for an alternative to a career path at a big firm? Does founding your own start-up seem too risky? There is a radical third path open to you: You can buy a small business and run it as CEO. Purchasing a small company offers significant financial rewards--as well as personal and professional fulfillment. Leading a firm means you can be your own boss, put your executive skills to work, fashion a company environment that meets your own needs, and profit directly from your success. But finding the right business to buy and closing the deal isn't always easy. In the HBR Guide to Buying a Small Business: Think Big, Buy Small, Own Your Own Company (Harvard Business Review Press, 2017), Harvard Business School professors Richard Ruback and Royce Yudkoff help you: Determine if this path is right for you Raise capital for your acquisition Find and evaluate the right prospects Avoid the pitfalls that could derail your search Understand why a "dull" business might be the best investment Negotiate a potential deal with the seller Avoid deals that fall through at the last minute Arm yourself with the advice you need to succeed on the job, with the most trusted brand in business. Packed with how-to essentials from leading experts, the HBR Guides provide smart answers to your most pressing work challenges. Listen to the Think Big, Buy Small podcast. Richard S. Ruback is the Willard Prescott Smith Professor of Corporate Finance at Harvard Business School. Royce Yudkoff is a Professor of Management Practice at Harvard Business School. Yudkoff cofounded and served for over 20 years as Managing Partner of ABRY Partners, a leading private equity investment firm. Caleb Zakarin is editor of the New Books Network. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Send us a textAuthor Rob Miller (one of the founders of Chicago's Bloodshot Records) joins me to discuss his new book, “The Hours Are Long But The Pay Is Low: A Curious Life in Independent Music.”www.robmillerwriting.comGet Rob's book here:https://www.press.uillinois.edu/books/?id=p088964Save 30% with the following code: F25UIPGet your Brick of Chicago 2026 Calendar!Purchasing items through the links below helps support our efforts at no additional cost to you:The Hours Are Long But The Pay Is Low: A Curious Life in Independent Music by Rob Millerhttps://amzn.to/4oYw1Ia (Paperback)https://amzn.to/4idb89D (Kindle)Bloodied But Unbowed: Bloodshot Records Life in the Trenches (DVD)https://amzn.to/3XGc2SqShow your love of this podcast for the cost of a coffee:https://www.buymeacoffee.com/chicagohistoryWant better sleep? Try the most delicious alternative to melatonin and sleeping pills that helps you fall asleep, stay asleep, and wake up feeling refreshed. MoonBrew. Use the code below for 15% off.https://moonbrew.co/TOMMYHENRYSend me an email - Chicago History Podcast (chicagohistorypod AT gmail.com):Chicago History Podcast Art by John K. Schneider (angeleyesartjks AT gmail.com)Support the show

Did you know that we are all repeating patterns in our lives and relationships? Many of these patterns are trauma patterns. But what exactly are trauma patterns and how do we heal them? In this episode of The Love Lab Podcast, Kevin Anthony speaks with psychotherapist Dr. Nicki Monti about what trauma patterns are (and are not), where they come from, why it is so hard for us to see we have them, and how to heal them. Along the way Dr. Nicki share stories from her work and her own personal life. To Find Out More About Dr. Nicki Monti And Her New Book, Click The Link Below: https://stucknomore.com/

Send us a textIn Episode 228 of Book Talk Etc., Tina & Hannah talk about the books they are wanting to read before the end of the year, and sharing some goals they have as 2026 looms around the corner!If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyMystical Outpost Etsy Shop (T)Waterproof Shower Bluetooth Speaker (H)Latest ReadThe Perfect Divorce | Jeneva Rose (T)Climate | Whitney Hanson (H)Book TalkHannah's End of Year TBRYou'll Never Know | Caleb Stephens (T)Persuasion | Jane Austen (H)Lonesome Dove | Larry McMurty (T)Hamnet | Maggie O'Farrell (H)Fantastic FictionShelf AdditionsLand | Maggie O'Farrell (T)Whidby | T. Kira Madden (H)If you prefer other shopping options, you can find today's books on Bookshop.org  or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk

Send us a textIn Episode 227 of Book Talk Etc., Tina & Hannah discuss some new releases that they have read recently, as well as chat through some of their winter reading plans.If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyTiny Bookshop (H)Kids Eat in Color (T)Affordable FlavorsNotability AppLatest ReadLife & Death & Giants | Ron Rindo (T)Dating After the End of the World | Jeneva Rose (H)Book TalkCursed DaughtersBest Offer Wins@ScaredstraightreadsThe Favorites | Layne Fargo (H)Tina's GoodReads Choice Awards PredictionsSeascraper | Benjamin Wood (T)Ten Year Affair | Erin Somers (H)The Wilderness | Angela Flournoy (T)It's Different This Time | Joss Richard (H)Shelf AdditionsMuder Most Haunted | Emma Mason (T)Frida's Cook | Florencia Etcheues (H)If you prefer other shopping options, you can find today's books on Bookshop.org or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk

1. Purchasing a newer Ram truck. Which one is best? 2. 2003 Ford Explorer Sport Trac tips on how to change a rear axle easily 3. Why does my 2023 Traverse overheat? 4. Why does my starter come on by itself on a 99 S10 Truck? 5. Hello from Austria! 6. 2012 Tahoe starts and dies 7. 72 Lemans vapor lock 8. 20 Wrangler Rear Defog tab replacement

Send us a textIn Episode 226 of Book Talk Etc., Tina & Hannah talk about books that tackle retellings of old classics, folklore, and mythology.If you enjoy our commercial-free podcast, please consider supporting us on Patreon! Your membership will give you access to our exclusive bonus episodes, including Niche Novels, Books We DNFed, and What's in the Mailbag! Plus, you'll receive invites to monthly events like Mood Reader Happy Hour, Live Creativity Sprints and Bookstore Browse, and a private Facebook group and Discord server where you can interact with other fans of the show... all for just $5 a month!Loving LatelyHow We Feel App (H)Wine Cork Wire Basket (T)Latest ReadHeart the Lover | Lily King (T+H)Book TalkCinder | Marissa MeyerGrimm's Fairy TalesThe Poppy Fields | Nikki Erlich (T)The Bog Wife | Kay Chronister (H)The Great Mann | Kyla Davis Lurie (T)A Land So Wide | Erin A. Craig (H)Shelf AdditionsThe Wives of Hawthorne Lane | Stephanie DeCarolis (T)It's Different This Time | Joss Richards (H)If you prefer other shopping options, you can find today's books on Bookshop.org or Blackwell's. Purchasing through these links supports us with a small commission, at no extra cost to you.Support the showLet's Connect... Email us at booktalketc@gmailBTE on YoutubeTina's TikTok , IG @tbretc YT @tbretcHannah's TikTok , IG @hanpickedbooksJonathan IG @infiltrate_jayPodcast IG @booktalketcRenee's Substack Newsletter , IG@Itsbooktalk