Podcasts about Purchasing

Send us Fan MailIn Episode 262 of Book Talk Etc., Tina and Hannah share some August book releases that they are excited about! If you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving LatelyTony's Chocolate (T)Pipsticks (H)Latest ReadThe Shampoo Effect | Jenny Jackson (T+H)BOTM BooksFruit Fly | Josh Silver (T)Sunlight Finds You | Laura Moriarty (H)These Walls Remember | They Say a Girl Died Here | Sarah PinboroughThe Unheld | Luke Larkin (T)Deadly AnimalsThe Hill in the Dark Grove | Liam Higginson (H)Portrait of a Witch Undone | KS Shay (T)Crocodilopolis | John Manuel Arias (H)Current ReadsDie for Me | Shirlene Obuobi (T)The Children | Melissa Albert (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 Fan MailIn Episode 261 of Book Talk Etc., Tina and Hannah celebrate the power of short books–from  short stories and novellas to essay collections and anthologies! Join us as we explore why these bite-sized reads can leave just as lasting an impact as a full-length novel.In this episode, we also spin the wheel to randomly select our next topic for our August episode of Tackling the TBR Shelf! These TBR tackle prompts are chosen by our patrons as a way for them to take part in our reading lives.If you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving LatelySummer Reading Campaign - Melanated Reader (T)Soola Bag (H)Soola Pouch (H)Latest ReadKeep Them Close | David Ellis (T)Look Closer | David EllisThe Best Lies | David EllisEverything to the Sea | Alicia Upano (H)Novellas and Short StoriesAt Home With the Horrors | Sammy ScottHuman Sacrifices | María Fernanda AmpueroI Know A Place | Nat Cassidy (T)Metamorphosis | Franz Kafka (H)Obstetrix | Naomi Kritzer (T)Automatic Noodle | Annalee Newitz (H)Shelf AdditionSeekers of Deer Creek | Thao Thai (T)People in Love | Claire Daverley (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're heading to John Day, Oregon, a destination filled with incredible scenery, outdoor adventures, fascinating history, and some of the best lesser-known experiences for RV travelers.Located in Eastern Oregon, the John Day area is a great getaway for RVers looking to explore beyond crowded campgrounds and discover wide-open landscapes, scenic drives, and memorable places to visit. From the dramatic colors of the John Day Fossil Beds National Monument to the winding roads of the Journey Through Time Scenic Byway, this region showcases a side of Oregon that feels far from the coast and the Cascade Mountains.In this destination episode, we'll share what makes John Day a must-visit stop for Pacific Northwest RVers, including where to camp, what to see, and the outdoor adventures waiting around every corner. We'll explore hiking opportunities, geological wonders, local character, and the rich history that makes this part of Oregon so special.If you're planning a weekend RV getaway, building an Eastern Oregon road trip itinerary, or searching for new places to explore with your family, John Day deserves a spot on your travel list.We'll also share tips to help you plan your visit, including things RVers should know before hitting the road, what makes this destination stand out for campers, and why shoulder season may be one of the best times to experience the area.The Pacific Northwest is full of incredible destinations, and John Day, Oregon is a reminder that some of the best adventures are found when you take the road less traveled.So grab your favorite beverage, settle in, and get ready to discover your next RV adventure.Listen to this episode of RV Out West and start planning your John Day, Oregon getaway today.Send us Fan MailSupport the showSign up for our NewsletterPlease follow the show so you never miss an episode. We ask that you also kindly give the show a rating and a review as well.Learn more about RV Out West over on our website at www.rvoutwest.comJoin in on the conversation via social media:InstagramFacebookSUPPORT THE SHOWKeep RV Out West RollingPlease consider supporting the show with a monthly contribution. If you're planning to explore our public lands this year, you'll need a park pass anyway. Purchasing your pass through our REI affiliate links is an easy way to support RV Out West at no extra cost.Every purchase makes a difference. Thank you for helping keep RV Out West rolling down the road.America the Beautiful PassDiscover Pass...

Tune in to the Williamson County Purchasing and Insurance Committee Meeting from July 16, 2026.

North Carolina enacts new law barring certain foreign entities from purchasing agricultural land and property near military installations, and America's farmland continues to face pressure from development and ownership changes.

Have you ever felt shame in your relationship? What about around your sexuality? Shame is one of the most common negative emotions people experience in relationships and sexuality. In this episode of The Love Lab Podcast, Kevin Anthony speaks with Dr. Frank Spinelli about what shame is, why it is so difficult to heal, why it is important to lean in and face it, and how to use the COMPASS framework and the 4 P's to help you. Dr. Spinelli also opens up about his own personal experience with shame stemming from his experience being sexually abused as a child. It's a powerful discussion. Take Beducated's quiz to unlock your personalized roadmap to sexual fulfillment: https://beduc.at/pd2629-lovelab To Find Out More About Dr. Frank Spinelli and His Book, Click The Link Below: https://www.frankspinelli.com/

This interview is with Laurent Montalieu of Soléna Estate. In this interview, Laurent discusses his journey in creating a multi-generational legacy within the Oregon wine industry.Laurent talks about his beginnings in wine. He started out studying engineering in France until he switched to the neighboring Bourdeaux's Institute of Oenology  because it looked like they were having more fun over there. While studying, Laurent did many internships. One took him to Napa Valley which gave him an appreciation for American business management. Freshly graduated, Laurent got a call from Bridgeview Winery to work with them and finally made his way to Oregon.Laurent discusses creating NW Wine Company and its progression throughout the years. The property started as an old pie factory and was originally used to make his own wine. It turned out that people wanted Laurent to make wine for their brands as well. From there, Laurent was the winemaker for many different brands and NW Wine Company was born in 2003. After a creating a successful business with high demand, Laurent sold the company in 2021.Later in the interview, Laurent talks about his current focus, Soléna Estate. Purchasing the property in 1999 and planting vineyards as well as living on it, Soléna Estate was overshadowed by the beast of NW Wine Company in Laurent's mind. Now, Soléna Estate is Laurent's main focus as he nurtures the vineyard and his daughter Soléna to become the next leader of the estate.This interview was conducted by Rich Schmidt at Soléna Estate in Yamhill on July 15, 2026.

Send us Fan MailIn Episode 260 of Book Talk Etc., Tina and Hannah If you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving LatelyThe Cluci Wristlet (T)Yoto Player (H)Latest ReadWhere the Wildflowers Grow | Terah Shelton Harris (T)The Missed Connection | Tia Wliliams (T)SuperlativesThe One Day You Were My Husband | Rosie WalshAll the Blood We Share | Camilla BruceStrangers Behind Closed Doors | Catherine Adel WestVigil | George SaundersInto the Blue | Emma BrodieCleopatra | Saara El-ArifiYesteryear | Caro Claire BurkeTop 5 So Far!The Reformatory | Tanarive DueThe Caretaker | Marcus KliewerNightwatching | Tracy SierraKeeper of Lost Children | Sadeqa JohnsonNesting | Roisin O'DonnellJohn of John | Douglas StuartLost Lambs | Madeline CashLady Tremaine | Rachel HochhauserEverything to the Sea | Alicia UpanoIf 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

When cash flow gets tight, most practice owners look at revenue first. But one of the biggest drains on your cash may already be sitting on your shelves. Excess inventory doesn't just take up space—it ties up working capital, increases expiration risk, and quietly chips away at your margins.  In this episode, I break down why inventory management deserves more attention in your financial strategy and share practical ways to manage injectables, retail skincare, and consumables more effectively. Small changes in how you purchase, track, and replenish inventory can have a meaningful impact on your cash reserves and overall profitability.  Buying More Inventory Doesn't Always Save You Money  Bulk discounts can be tempting, but they're not always the best financial decision. Purchasing more product than you can realistically use may lower your cost per unit, but it also locks up cash that could be used for payroll, marketing, or other growth opportunities.  Inventory should support your practice—not compete with it for cash. Before placing a large order, consider your usage rate, seasonality, payment terms, and how quickly that inventory will actually generate revenue.  Every Product Category Needs a Different Strategy  Not all inventory should be managed the same way. Injectables, retail skincare, and everyday consumables each serve a different purpose in your practice and carry different levels of financial risk. Creating category-specific inventory strategies helps improve cash flow, reduce waste, and ensure you're investing in products that support both patient demand and long-term profitability.  Establish inventory par levels for injectables, retail skincare, and consumables  Track inventory turnover and usage by provider  Monitor expiration dates, shrinkage, spoilage, and waste  Assign one team member ownership of inventory reconciliation  Adjust purchasing based on seasonal demand instead of automatic reordering  Negotiate flexible payment terms with vendors whenever possible  Make sure every product on your shelves has a purpose. When you consistently monitor inventory levels and adjust purchasing decisions based on real usage, you free up cash, protect your margins, and create a more efficient operation.  04:00 Managing inventory responsibilities  07:31 Managing Inventory and Cash Flow  11:19 Tracking inventory and usage metrics  15:47 Upselling and Packaging Services  16:52 Managing inventory and pricing strategy Good Inventory Data Leads to Better Financial Decisions  Inventory counts should do more than confirm what's on the shelf. They should tell you how inventory is moving through the practice and whether it's contributing to healthy cash flow.  When you regularly review inventory tracking alongside your financial reports, it's much easier to identify underutilized inventory, margin loss, or products that aren't generating the return you expected. That visibility allows you to make adjustments before small issues become expensive ones.  Cash Should Keep Working for Your Business  As your med spa grows, inventory becomes more than an operational task—it becomes a strategic financial decision. Expanding locations, hiring providers, investing in new technology, or building cash reserves all require liquidity. Every dollar tied up in excess inventory is a dollar that can't be invested elsewhere.  Practices that scale successfully understand how to balance inventory levels with demand. They know what products generate revenue, what products move slowly, and when it's worth negotiating better payment terms instead of purchasing more inventory. Managing inventory with intention doesn't just protect margins—it creates the financial flexibility needed to grow with confidence.  Follow Shannon & Keep What You Earn:   Shannon Weinstein is the founder of a fractional CFO firm specializing in helping 7-figure aesthetics and wellness practices scale with clarity, cash flow, and confidence.  Shannon is committed to helping med spa owners understand, fix, and maximize their business's enterprise value, offering actionable advice and resources, including a popular free video series specifically for aesthetics practice owners.  Connect with Shannon:  Fractional CFO Services and Executive Financial Review: https://www.keepwhatyouearn.com/  Connect with Shannon: https://www.linkedin.com/in/shannonweinstein  Watch full episodes: https://www.youtube.com/@KeepWhatYouEarn  Listen on your favorite podcast app: https://pod.link/1580071347  Instagram: https://www.instagram.com/shannonkweinstein/  The information shared is for educational purposes only and is not individualized financial advice. Aesthetics practice owners should consult a qualified professional before implementing financial strategies discussed here. 

Why are so many solicitors involved when buying a buy-to-let? And should you be planning for the worst with prospective tax changes on the horizon? Your questions, answered on this week's Ask Rob & Rob. (00:41) Colleen's in the process of buying two buy-to-let properties but has been hit with unexpected legal fees from multiple solicitors. Is it normal to hit this many hurdles? Rob D breaks down why this happens, whether any of it could've been avoided, and what “independent legal advice” means. (04:29) Nik's worried about future potential tax changes. What's the best way to plan defensively? Rob B explains why investing through a limited company might already be the best protection investors have. Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Got a question? Send it in here Find out more about Property Hub Invest

For more than 15 years, Jeremy Puglisi has explored North America by RV, building a lifetime of experiences that have inspired thousands of campers through RV Atlas. In this episode of RV Out West, host Brooks Smothers sits down with Jeremy for an honest conversation about family travel, campground culture, and the lessons that only years on the road can teach.Jeremy reflects on how a simple decision to buy a pop up camper evolved into a career creating RV content while also giving his family countless opportunities to explore the United States together. He shares why RV travel remains his favorite way to vacation, the value of slowing down, cooking outdoors, and connecting with friends around a campfire. The conversation also explores raising kids who genuinely enjoy spending time outside, navigating the teenage years while keeping family camping traditions alive, and why the campground community continues to be one of the best parts of the RV lifestyle.Brooks and Jeremy discuss common mistakes made by new RV owners, practical advice for reducing stress during trips, and why focusing on experiences instead of equipment leads to more rewarding adventures. They also revisit favorite destinations including Acadia National Park, Assateague State Park, Yellowstone National Park, Olympic National Park, and Nova Scotia.Send us Fan MailSupport the showSign up for our NewsletterPlease follow the show so you never miss an episode. We ask that you also kindly give the show a rating and a review as well.Learn more about RV Out West over on our website at www.rvoutwest.comJoin in on the conversation via social media:InstagramFacebookSUPPORT THE SHOWKeep RV Out West RollingPlease consider supporting the show with a monthly contribution. If you're planning to explore our public lands this year, you'll need a park pass anyway. Purchasing your pass through our REI affiliate links is an easy way to support RV Out West at no extra cost.Every purchase makes a difference. Thank you for helping keep RV Out West rolling down the road.America the Beautiful PassDiscover Pass...

Some people chase adventure on well-marked trails. Paul Boomhower has built a life exploring where the pavement ends. Known to many as Smokey and the Vandit, Paul is a photographer and van traveler whose passion for the outdoors has taken him across the Pacific Northwest and beyond in search of unforgettable landscapes and incredible wildlife encounters.Paul joins us for a conversation about photography, van life, outdoor travel, and the moments that have shaped his perspective on life. Years spent camping, wandering backroads, and waiting patiently for nature to reveal itself have taught him lessons that extend far beyond the camera lens. He shares stories from the road, the joy of slowing down, and the importance of staying curious while exploring the places many travelers overlook.The conversation also takes a deeply personal turn as Paul reflects on a sudden medical emergency that changed the course of his life. He discusses the long road to recovery, the challenges he faces and how that singular experience strengthened his appreciation for every opportunity to get back outside and continue creating beautiful photographs.Fans of RV travel, van life, camping, road trips, landscape photography, wildlife photography, and Pacific Northwest travel will find plenty of inspiration throughout this conversation. From remote campsites to unforgettable wildlife sightings, Paul's experiences offer a reminder that some of life's greatest rewards come from patience, persistence, and a willingness to explore beyond the familiar.Subscribe to RV Out West for weekly conversations about RV travel, camping, outdoor recreation, and destinations throughout Washington, Oregon, British Columbia, Idaho, and the Pacific Northwest. If you enjoyed this conversation, follow the podcast, leave a five-star review on Apple Podcasts, and share it with friends who love exploring the great outdoors.Proud to be recognized as the #7 camping podcast on Feedspot's Best Camping Podcasts list, a ranking that reflects our passion for sharing RV travel, camping adventures, and outdoor destinations across the Pacific Northwest and beyond.Send us Fan MailSupport the showSign up for our NewsletterPlease follow the show so you never miss an episode. We ask that you also kindly give the show a rating and a review as well.Learn more about RV Out West over on our website at www.rvoutwest.comJoin in on the conversation via social media:InstagramFacebookSUPPORT THE SHOWKeep RV Out West RollingPlease consider supporting the show with a monthly contribution. If you're planning to explore our public lands this year, you'll need a park pass anyway. Purchasing your pass through our REI affiliate links is an easy way to support RV Out West at no extra cost.Every purchase makes a difference. Thank you for helping keep RV Out West rolling down the road.America the Beautiful PassDiscover Pass...

Do you or does your partner struggle with ED? Have you tried solutions like pills, pumps, injections, and more, with only some or no success? In this episode of The Love Lab Podcast, Kevin Anthony talks with the founder of Sexual Wellness Centers of America, Jeff Nuziard, about what the real underlying cause of ED is, why the current treatment options don't address the underlying cause or only address one aspect, and how his new 4-pillar treatment protocol may just be the lasting solution you have been looking for. To Find Out More About Dr. Nuziard's Protocol, Click The Link Below: https://regenmax.com/ Check Out My Brand New Coaching App Called "Intimacy Mastery": https://www.kevinanthonycoaching.com/go/app

Send us Fan MailIn Episode 259 of Book Talk Etc., Tina and Hannah tackle the TBR shelf by reading through Book of the Month titles that have been on their shelves for more than 2 years.New for July- join our Patreon for access to our Summer Read-a-Thon! Participants read from a set of curated prompts, submit the titles they finish for points, and follow along on a game board as they go patreon.com/booktalketcIf you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving LatelySummer Bucket List (T)Water Table (T)The Crash (H)Maternal Instinct (H)Latest ReadThe Truth About Ruby Cooper | Liz Nugent (T)Sacculina | Phillip Fracassi (H)BOTM BooksBOTM Historical Data BaseNot That I Could Tell | Jessica Strawser (T)You're Invited | Amanda Jayatissa (H)The Joy Luck Club | Amy Tan (T)Once There Were Wolves | Charlotte McConaghy (H)Shelf AdditionDie for Me | Shirlene Obuobi (T)The Missed Connection | Tia Williams (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 episode 309 of Beyond The Story, Sebastian Rusk interviews Dr. Michael J. Breus, a sleep expert, as he shares his game-changing five-step plan for mastering sleep, optimizing your wellbeing, and leading high-performing teams. Tune in now to transform your sleep, empower your leadership, and achieve new milestones by applying proven strategies.TIMESTAMPS[00:00:00] Meet Dr. Michael J. Breus: The Sleep Doctor's Journey[00:05:38] Why Sleep Is the Currency of Effective Leadership[00:08:09] The Five-Step Action Plan for Game-Changing Sleep[00:15:00] High Performance & Handling Anticipatory Anxiety[00:16:30] The Power of the “Napa Latte” for Peak Energy[00:20:46] Sleep Disruptors: Alcohol, Movement, and Real Solutions[00:22:00] The Truth About Mouth Tape & Sleep Apnea Risks[00:24:53] Modern Solutions for Sleep Testing & Results[00:31:33] Optimizing Your Sleep Environment—and Your Team[00:43:39] Magnesium: The Real Supplement Advantage[00:47:21] Sleep, Cannabis, and the Science of Restoration[00:51:30] Practical Takeaways and Final Inspiration QUOTES"Literally everything you do, you do better with a good night's sleep." – Dr. Michael J. Breus"The currency of life is time... and sleep is the currency of attention." – Dr. Michael J. Breus"You get to practice sleep every night. You'll get better, you'll get better, you'll get better. Sleep is flexible." – Dr. Michael J. Breus  ==========================Need help launching your podcast?Schedule a Free Podcast Strategy Call TODAY!PodcastLaunchLabNow.com==========================SOCIAL MEDIA LINKSInstagram: https://www.instagram.com/podcastlaunchlab/Facebook: Facebook.com/sruskLinkedIn: LinkedIn.com/in/sebastianrusk/YouTube: Youtube.com/@PodcastLaunchLab==========================Take the FREE Sleep Quiz:sleepdoctor.com/pages/sleep-quiz Follow The Sleep Doctor:instagram.com/thesleepdoctor Purchasing a CPAP machine? Get the FREE CPAP Success Course with your machine purchase:sleepdoctor.com ==========================Take the quiz now! https://podcastquiz.online/==========================Need Money For Your Business? Our Friends at Closer Capital can help! Click here for more info: PodcastsSUCK.com/money==========================PAYING RENT? Earn airline miles when you use the Bilt Rewards MastercardAPPLY HERE: https://bilt.page/r/2H93-5474 

Thinking about purchasing your own slice of the wild outdoors? In this episode, Compeer Home Loan Officer, Chris Allen, shares what to consider when purchasing recreational land: how to use it, what factors to consider as you search for your perfect paradise, and financing options that support your goals. Whether you're dreaming of a quiet cabin, a hunting haven, or a private fishing hole, this conversation paves the way for making that dream a reality. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode we're joined by Brynn Parr, a research biologist for the Alaska Department of Fish & Game and she tells the conservation story of the Muskox. Admittedly, Muskox probably aren't high on most people's list of animals to learn about or even hunt, but their story is downright amazing. Most people don't know that they were extirpated in Alaska by the 1920's. In the 1930's some forward thinking conservation minded folks got together and hatched a plan to bring them back. Purchasing captured animals in Greenland, they then had to be transported to the USA, quarantined and readied for a rail trip across the country and another boat trip up to Alaska. The story is worth a listen and reminds us how conservation projects are rarely easy.Listen Learn and Enjoy. If you enjoyed this Gamekeeper episode, send the guys a message and don't forget to include your contact info so we can reach you if you win a prize! Support the showStay connected with GameKeepers: Instagram: @mossyoakgamekeepers Facebook: @GameKeepers Twitter: @MOGameKeepersYouTube: @MossyOakGameKeepers Website: https://mossyoakgamekeeper.com/Enter The Gamekeeper Giveaway: https://bit.ly/GK_GiveawaySubscribe to Gamekeepers Magazine: https://bit.ly/GK_Magazine Buy a Single Issue of Gamekeepers Magazine: https://bit.ly/GK_Single_Issue  Join our Newsletters: Field Notes - https://bit.ly/GKField_Notes | The Branch - https://bit.ly/the_branchHave a question for us or a podcast idea? Email us at gamekeepers@mossyoak.com 

Does your relationship feel like a power struggle? Or maybe you feel like you are constantly compromising. Either way, you and your partner may not be operating as a team. In this episode of The Love Lab Podcast, Kevin Anthony talks with relationship experts Joanna and Matthew Raabsmith, about the importance of operating as a team, what being a team really means, what it looks like day to day, where many couples go wrong, and how they can get back on track, change their mindsets, and start operating as a solid team. To Find Out More About Joanna & Matthew Raabsmith, Click The Link Below: https://www.raabsmithteam.com   Check Out My Brand New Coaching App Called "Intimacy Mastery": https://www.kevinanthonycoaching.com/go/app

Resources5-Step Boundary Setting Process (google doc)ArticlesWhat is Enmeshment, and How Do You Set Boundaries?Enmeshment vs. Codependency: 7 DifferencesWhat is Enmeshment? 12 Signs To Spot It + How to HealUnderstanding the Fawn Response: Coping Mechanism in Trauma Recovery by Mona Kirstein, PhDIs it Codependency or Trauma Bonding? How to Tell the DifferenceBooksSet Boundaries, Find Peace* by Nedra Glover TawwabHow to Do the Work* by Dr. Nicole LePera  Become a member of The Soul Horizon community (or give a one-time donation) to support the podcast. Thank you for your generous support—it breathes life into The Soul Horizon.

# ☕ The Scott Adams School – Wednesday, July 1, 2026##

Brownlee Super 60 Championship Rich Craft recaps his dominant Brownlee Reservoir victory. Winning the $50,000 first-place prize. Why he chose a weight-first strategy instead of chasing numbers. How advice following a difficult rookie season changed his tournament approach. Tournament-Winning Pattern Finding key offshore structure during practice. Using Forward-Facing Sonar to locate structure instead of individual fish. Drop shot setup featuring Yamamoto Shad Shape Worms. Natural shad colors and quarter-ounce weights. Fishing depths from 20–35 feet. Catching four of his final-day fish from one key area. Brownlee Reservoir Breakdown Why post-spawn conditions lowered tournament weights. Adjusting to deeper fish. Smallmouth behavior during late June. How patience and confidence led to victory. Sponsorship Changes Transition from Phoenix Boats to Caymas Boats. Partnership with Nixon's Marine. Toyota of Puyallup sponsorship. GSM Outdoors and Yamamoto support. How contingency programs add significant value for professional anglers. Looking Ahead to Tri-Cities Expected winning patterns. Topwater opportunities. Spinnerbait, swimbait and drop shot techniques. Potential for giant largemouth and quality smallmouth. Why Tri-Cities is one of Rich's favorite tournament destinations. Rich Craft's Story From trout fishing to competitive bass fishing. Joining a bass club in 2013. Purchasing his first bass boat in 2017. Nine career tournament victories. 2024 State Champion. Qualifying for the Ultimate Angler Championship at Guntersville. Mark Lassagne Update Recovery following emergency gallbladder surgery. Returning for the Tri-Cities Super 60. Behind-the-scenes look at producing BAM live broadcasts and television coverage. Plans for continued growth of the BAM Super 60. Sponsors Mentioned Nixon's Marine Caymas Boats Toyota of Puyallup GSM Outdoors Yamamoto Baits Topics Covered Brownlee Reservoir bass fishing BAM Super 60 Professional bass fishing Tournament strategy Forward-Facing Sonar Drop shot fishing Smallmouth bass Post-spawn fishing Tri-Cities bass fishing Bass tournament preparation Professional angler sponsorship West Coast bass fishing About BAM Podcasts Bass Angler Magazine's is a bi-monthly podcast series its available free on Simple Cast, iTunes, Spotify, Google Play and Amazon. Stay tuned as we discuss the latest in bass fishing, lure trends, ways to catch fish, tournament wins and things of interest to bass anglers.BASS ANGLER MAGAZINE (BAM), a veteran owned quarterly print and digital magazine, designed, and printed in the U.S.A. Covering largemouth, smallmouth and spotted bass, Bass Angler was created specifically to help you become a better, more informed bass fisherman. As the industry's most informative bass fishing magazine, we provide you in-depth exclusive new features with the world's top anglers.Subscribe to Bass Angler Magazine print and or digital here

Send us Fan MailIn Episode 258 of Book Talk Etc., Tina and Hannah chat about Land by Maggie O'Farrell, which was the Book Talk Etc. Community Read for the month of June. In this episode we also share 10 July book releases to get excited about!Join our Patreon for access to our Summer Read-a-Thon! Participants read from a set of curated prompts, submit the titles they finish for points, and follow along on a game board as they go patreon.com/booktalketcIf you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving Latelyyesstyle.com (T)Beauty of Joseon Sunscreen (T)Lip Oil (T)Skin 1004 Cream (T)Alaffia Body Wash (H)Latest ReadLand | Maggie O'Farrell (T+H)July Books on the RadarCountry People | Daniel Mason (T)Every Version of You | Natalie Messier (H)Not with A Bang | Temi Oh (T)The Mortons | Justine Larbalestier (T)The Man | Laura SimsLooker | Laura SimsHow Can I Help You? | Laura Sims (H)The New People | Andrea Uptmor (T)The Parisian Heist | Jo Piazza (T)Make Nice | Ryan Effgan (H)Shelf AdditionNot That I Can Tell | Jessica Strawser (T)Sacculina | Philip Fracassi (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 episode of Retire with Style, Wade Pfau and Alex Murguia continue to answer listener questions, including how stocks perform during inflationary periods, whether equity investments can be viewed through a bond-duration lens, the tradeoffs between buying a deferred income annuity today versus waiting to purchase a SPIA later, and how QLACs interact with Roth conversion rules. Along the way, they emphasize that there are no universally "best" retirement strategies and that successful retirement planning depends on matching financial tools and investment approaches to each retiree's goals, preferences, and tolerance for commitment versus flexibility. Listen now to learn more!   Takeaways  Stocks generally have pricing power over the long run, but they are not guaranteed to outpace inflation during every historical period. Inflation protection is strongest when layered across multiple tools—including delayed Social Security, TIPS, I Bonds, and appropriately sized equity exposure. For time-segmentation investors, maintaining a diversified long-term equity portfolio is generally more practical than trying to assign "duration" to different stock categories. Purchasing a deferred income annuity today provides certainty around current interest rates and mortality assumptions but requires giving up liquidity and flexibility. Waiting to purchase a SPIA preserves optionality and keeps assets available for changing needs or legacy goals, even though future annuity pricing is uncertain. The choice between a deferred income annuity and waiting to annuitize is less about finding the "best" investment and more about selecting the strategy that best fits your retirement preferences. A QLAC can provide valuable longevity insurance and reduce required minimum distributions, but it does not eliminate the IRA pro-rata rule when using a backdoor Roth strategy. The RISA framework is designed to help retirees identify the retirement income strategy that best aligns with their individual goals, resources, and decision-making style Chapters 00:00 Introduction to Retirement Income Strategies 02:53 Understanding the RISA Framework 05:59 Investment Strategies and Inflation 11:53 Applying Bond Principles to Equities 19:02 Deferred Income Annuities vs. Immediate Annuities 24:58 Qualified Longevity Annuity Contracts (QLACs) and Backdoor Roth IRAs   Links Looking for a retirement strategy that's actually built for you? Join Alex Murguia on July 1 at 1 PM ET for a FREE Retirement Researcher webinar, Are You Sure Your Retirement Strategy Fits?, where he'll walk through the four major retirement income approaches and show how the RISA® Framework can help you identify the strategy that best aligns with your goals, preferences, and vision for retirement. Register Now: retirewithstyle.com/podcast

We take a step outside our normal focus on RV travel and camping for a special collaboration with Scott Cowan, host of the Explore Washington State Podcast. Armed with a field recorder and plenty of curiosity, Brooks and Scott spend the day walking through downtown Everett, Washington, visiting four outstanding independent coffee shops: Narrative Coffee, Nadine's Coffee, Loft Coffee Bar & Bakery, and Choux Choux Bakery.Recorded entirely on location, this episode captures the sounds, conversations, and atmosphere of each stop while exploring the Pacific Northwest's thriving coffee culture. Along the way, Brooks and Scott share plenty of coffee talk and lighthearted banter, discussing AeroPress brewing, pour overs, French press coffee, espresso, favorite regional coffee roasters, best camp coffee setups, vinyl records, local restaurants, and why independent cafés help define a community.While RV Out West is best known for helping you discover campgrounds, road trips, and destinations across the Pacific Northwest, this episode highlights another side of travel. Sometimes the best way to experience a place is on foot, taking time to visit local businesses and appreciate the stories that unfold over a great cup of coffee.If you're planning a trip to Everett, searching for great coffee in Washington State, or simply enjoy conversations about travel, food, and coffee culture, this episode belongs on your playlist. It's an easygoing conversation filled with local recommendations, practical coffee tips, and plenty of laughs between two friends who share a passion for exploring the Pacific Northwest.Grab your favorite mug, press play, and join us for a coffee crawl through downtown Everett that proves memorable travel experiences don't always begin at a campground; they can start with a walk around the block.Visit our Sponsor of this EpisodeScenic WashingtonScenic Washington is a nonprofit organization dedicated to preserving, promoting, and enhancing Washington State's 29 Scenic Byways. Through free travel guides, maps, and trip-planning resources, Scenic Washington inspires travelers to explore the state's most beautiful roads, charming communities, and unforgettable landscapes.Get their FREE Scenic Byways Guidebook & MapSend us Fan MailSupport the showSign up for our NewsletterPlease follow the show so you never miss an episode. We ask that you also kindly give the show a rating and a review as well.Learn more about RV Out West over on our website at www.rvoutwest.comJoin in on the conversation via social media:InstagramFacebookSUPPORT THE SHOWKeep RV Out West RollingPlease consider supporting the show with a monthly contribution. If you're planning to explore our public lands this year, you'll need a park pass anyway. Purchasing your pass through our REI affiliate links is an easy way to support RV Out West at no extra cost.Every purchase makes a difference. Thank you for helping keep RV Out West rolling down the road.America the Beautiful PassDiscover Pass...

Did you know that poor brain health could be negatively impacting your sëx life? Did you also know that having an active sëx life improves your brain function? In this episode of The Love Lab Podcast, Kevin Anthony speaks with world-renowned neurologist and adjunct professor at Johns Hopkins, Dr. Majid Fotuhi, about this connection, the science behind it, the 5 pillars of brain/sexual health, and how to maximize both your sexual health and your brain health. This is a must-listen to episode if you want your brain and your genitals to work properly. To Find Out More About Dr. Majid Fotuhi And His Latest Book, Click The Link Below: https://drfotuhi.com/ Check Out My Brand New Coaching App Called "Intimacy Mastery": https://www.kevinanthonycoaching.com/go/app

In this episode, we explore the power of breaking free from the trap of niceness. In addition, we investigate the difference between being nice and being kind, why being "nice" is so problematic, and how to liberate ourselves from the "nice person" persona. ResourcesHow to Break Free from Your Own Niceness Rules (google document)BooksNot Nice* by Dr. Aziz GazipuraThe Artist's Way* by Julia CameronArticlesThe Dangers of Being Nice: There's a downside to always being the good guy by Psychology TodayNice vs. Kind: 7 Key Differences by A Conscious RethinkNice vs. Kind: The Difference is Significant by HuffpostWhy You Should Learn to Differentiate Between Nice and Kind by Forbes6 Unexpected Downsides of Being Too Nice by Our Mental HealthBecome a member of The Soul Horizon community (or give a one-time donation) to support the podcast. Thank you for your generous support—it breathes life into The Soul Horizon.

Stephanie Preston of PCNA (asi/66887) discusses the Counselor Top 40 supplier's current trend forecast and what it means for the promo industry in the months ahead.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrCan a busy physician with a demanding career and two young children realistically build a rental property portfolio? In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement investor Colin to discuss how he went from exploring Airbnb investments to owning two long-term rental properties—and preparing for his next acquisition. Colin explains why the operational demands of short-term rentals did not fit his lifestyle, how turnkey real estate helped him invest outside his local market, and why having an experienced team made his second purchase dramatically easier than his first.

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ ROI Property Group:If you are interested in direct lending with ROI Property Group, give Rob Fuller a call at 707-365-6891 to learn more. 12-24 month loan options are available. Let him know that Rent To Retirement sent you! - https://www.roipropertygroup.com/rtrCan a busy physician with a demanding career and two young children realistically build a rental property portfolio? In this episode of the Rent To Retirement Podcast, host Matthew Seyoum sits down with Rent To Retirement investor Collin to discuss how he went from exploring Airbnb investments to owning two long-term rental properties—and preparing for his next acquisition. Collin explains why the operational demands of short-term rentals did not fit his lifestyle, how turnkey real estate helped him invest outside his local market, and why having an experienced team made his second purchase dramatically easier than his first.

Send us Fan MailIn Episode 257 of Book Talk Etc., Tina and Hannah talk through some of their favorite book to screen adaptations, share some books they'd love to see adapted into film, as well as discuss their thoughts on books they read that have been turned into movies or television series.If you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving LatelyLibib (T)Arc Library App (T)Bobbie Goods Coloring Books (H)Latest ReadJohn of John | Douglas Stuart (T)Recitatif | Toni Morrison (H)Book Talk + Book to Screen AdaptationsStrangers Behind Closed Doors | Catherine Adel West (T)The Ballad of Songbirds and Snakes | Suzanne Collins (H)Shutter Island | Dennis LeHane (T)The Bookshop | Penelope Fitzgerald (H)Shelf AdditionNine Lives | Catherine Steadman (T)Games: A Love Story | Anna Maria Volkova (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 Fan MailDr. Clair Thunes, PhD is an equine nutritionist and the founder of Clarity Equine Nutrition®, bringing over 35 years of hands-on experience as a horse owner to her practice. She earned her BSc (Hons) in Animal Science from Edinburgh University, her MS in Animal Science from the University of California, Davis, and her PhD in Nutrition from UC Davis in 2005. Through her consultancy, Dr. Thunes develops individualized feeding programs for a diverse range of horses — from high-performance athletes and lactating mares to seniors and horses managing complex conditions such as insulin resistance, PPID, and muscle myopathies — while also collaborating with veterinary practices and advising international feed and supplement companies. A dynamic public speaker and educator, she draws on her upbringing in England riding disciplines ranging from eventing and dressage to polo and fox hunting, making her as relatable in the saddle as she is authoritative in the lab. Her guiding philosophy — that nutrition is the foundation of a horse's overall well-being — informs every aspect of her work with individual owners, breeding farms, and Olympic-level competitors alike.Listen to the Scoop & Scale Podcast here:  https://scoopandscale.com/Dr. Clair Thunes nutrition consulting: https://clarityequine.com Sonja Ochadlik — Show Jumper & Equestrian EntrepreneurSonja Ochadlik is a show jumping rider originally from Albuquerque, New Mexico, who is now based in Ireland. Her transatlantic journey — from the American Southwest to the heart of Irish equestrian country — gives her a distinctive perspective that bridges two very different horse sport cultures. She runs Stonehall Sporthorses, a business specializing in producing young horses and sourcing and selling top-quality horses and ponies. She operates the business alongside her husband Johnathon, with a focus on equine welfare and longevity in sport. Beyond riding and trading, Sonja has become a vocal voice in the broader conversation about the future of show jumping. She is passionate about the training and welfare of horses and working towards making the sport of show jumping more inclusive. She has written for The Plaid Horse magazine on topics such as innovations in American show jumping, including updates to U.S. Pony Jumpers and proposed changes to Young Jumpers, with an emphasis on correct, safe, and welfare-driven development of both young riders and young horses. Her experience competing in Ireland is reflected in her competition record — she has been listed in Showjumping Ireland results riding horses from Stonehall's string — and she has become a regular commentator and contributor to American equestrian media, appearing multiple times on The Plaidcast with Piper Klemm. Her conversations have covered topics ranging from the differences between horse sport in Europe versus the US to equine education, pony jumpers, and horse auctions. Sonja represents a growing cohort of American riders who have relocated to Europe to immerse themselves in the deeper pipeline of quality horses and a more established competition structure, while maintaining strong ties to the U.S. market and community.theplaidhorse.comThank you so much for joining us today on the Plaidcast. This podcast is a labor of love, and every single episode exists because of this incredible community of riders, trainers, barn managers, parents, and horse lovers who show up in the barn, in the ring, and right here with us.At The Plaid Horse, our commitment goes far beyond the show ring. We believe deeply in the power of literacy and education and that every rider, at every level, deserves access to knowledge, stories, and ideas that make them a better horseperson and a better human being. Reading matters. Learning matters. And the stories we tell each other in this sport matter more than we sometimes realize.Whether you are a junior rider picking up your first copy of The Plaid Horse  Magazine, a professional trainer looking for inspiration, or someone who simply loves horses and everything this world stands for then this community is for you. You belong here.We build this together. Every article, every episode, every conversation is an opportunity to learn something new, to feel less alone in the challenges of this sport, and to be reminded of why we fell in love with horses in the first place.Until next time, keep reading, keep learning, keep riding, and remember that the horse world is better when we build it together. I will see you at the ring!

If you are on hormone replacement therapy and still dealing with vaginal dryness, pain with sex, or recurring UTIs — you are not failing your treatment. Your tissue is telling you it needs something more.In this episode, Dr. Durst and Farideh, break down exactly why hormones alone sometimes aren't enough to restore vaginal tissue health — and what local regenerative treatments can do that systemic estrogen simply cannot. If you have been told there are no solutions, this episode will change that

The antidote to a boring sex life isn't trying harder, it's trying something new together — that's what ARYA delivers, a monthly intimacy membership curated by AASECT certified sexologists and shipped right to your door. Take the quiz at arya.fyi and use code: TRUTH15 for 15% off at https://arya.fyi/start?rfsn=8333683.c9f861In this episode, I'm tackling the topic nobody wants to bring up at dinner: cheating. Whether you've been cheated on, you've done the cheating, or you've just thought about it (and most of us have), this conversation is for you. I'm breaking down what infidelity actually is, why it shows up so often in midlife, and whether it's ever justified. I get into the messy truth that affairs are rarely about sex — they're about disconnection, unmet needs, and the stories we tell ourselves instead of having hard conversations. I'm not excusing cheating. I am asking you to understand it, because understanding is the first step toward preventing it, surviving it, or having the honest conversation you've been avoiding.In This Episode:00:00 - Sponsor: Aria Intimacy Membership00:48 - Welcome to Taboo to Truth01:10 - Introduction: Talking About Cheating Like Adults01:30 - What Actually Counts as Cheating?02:15 - Why Cheating Happens More in Midlife02:50 - Is Cheating Ever Justified?03:55 - Are We Even Wired for Monogamy?04:40 - Open Relationships vs. Cheating: Where's the Line?05:10 - What to Do If You've Been Cheated On06:05 - How to Prevent Infidelity Before It Happens06:45 - Final Thoughts: Choosing HonestyWant a deeper look? Watch the full episode on YouTube for a more visual experience of today's discussion. This episode is best enjoyed on video—don't miss out!About The Host:Karen Bigman, a Sexual Health Alliance Certified Sex Educator, Life, and Menopause Coach, tackles the often-taboo subject of sexuality with a straightforward and candid approach. We explore the intricacies of sex during perimenopause, post-menopause, and andropause, offering insights and support for all those experiencing these transformative phases.This podcast is not intended to give medical advice. Karen Bigman is not a medical professional. For any medical questions or issues, please visit your licensed medical provider.Looking for some fresh perspective on sex in midlife? You can find me here:Email: karen@taboototruth.comWebsite: https://www.taboototruth.com/Instagram: https://www.instagram.com/taboototruthYouTube: https://www.youtube.com/@taboototruthpodcastSubstack: https://karenbigman.substack.comDISCLAIMER: This podcast is not intended to give medical advice. Karen Bigman is not a medical professional. For any medical questions or issues, please visit your licensed medical provider. This content is created for educational and informational purposes only. It is designed to provide viewers with knowledge and insights about intimacy, relationships, communication, and sexual wellness. This video does not depict or promote sexual acts for the purpose of sexual gratification. All discussions are conducted in a respectful, professional, and sex-positive context to encourage healthy, safe, and informed conversations. I have hand-selected some great products to help support your s//xual wellness. Purchasing products from me and/or my affiliates helps support the work that I do and ensures I can continue to help as many people and couples as possible!LINKS, EXCLUSIVE VIP DISCOUNTS, COURSES & FREEBIES

Have you ever looked at other couples and thought, I wish I could have a relationship like that? Are you still looking for the relationship of your dreams, but don't know how to find it? In this episode of The Love Lab Podcast, Kevin Anthony breaks down the importance of creating true relationship synergy, what that synergy isn't, what it is, and how you can create it. If you aren't already experiencing the relationship of your dreams, then you need to listen to this episode. Take Beducated's quiz to unlock your personalized roadmap to sexual fulfillment: https://beduc.at/pd2624-lovelab   Check Out My Brand New Coaching App Called "Intimacy Mastery": https://www.kevinanthonycoaching.com/go/app  

In this episode, I share an intuitive writing about the power of trusting the Soul to lead the path forward one courageous, trusting step at a time. I also share a recent example of doing this in my own life.Become a member of The Soul Horizon community (or give a one-time donation) to support the podcast. Thank you for your generous support—it breathes life into The Soul Horizon.

Send us Fan MailIn Episode 256 of Book Talk Etc., Tina and Hannah talk about the types of thriller and horror novels that are perfect to read in summer months! We chat all things thrills & chills and chat a bit about summerween traditions.If you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving LatelyJoJo Gemstone Choker Necklace (T)Byoma Phyto-Mucin Glow Serum (H)Latest ReadThe One Day You Were My Husband | Rosie Walsh (T)One True Loves | Taylor Jenkins ReidLaura DaveThis Story Might Save Your Life | Tiffany CrumThe Wishing Spell | Chris Colfer (H)Book Talk + Books We Missed Out OnJanelle BrownJulie ClarkThe God of the Woods | Liz MooreGabby's YouTube ChannelThe Troop | Nick CutterThe Compound | Aisling RawleMarion | Leah Rowan (T)Sundial | Catriona Ward (H)Why Catriona Ward Decided To Explore TheAbhorrent World of Animal Testing - Article on Crime readsThe Other | Annie Neugebauer (T)The Last Time I Lied | Riley SagerSurvive the Night | Riley SagerLock Every Door | Riley Sager Final Girls | Riley SagerShelf AdditionThe Calamities | Chuck Wendig (T)The Odyssey | Homer (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

Dealing with the Latest Financial Trend: Spending Your Kids' Inheritance Episode 388 – Financial trends come and go, but the latest, “SKI,” or Spending Kids' Inheritance, is likely to have a lasting impact. Are you prepared? There are some ways to learn how to “SKI” without getting hurt. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 388 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, dealing with the latest financial trend: spending your kids' inheritance. Have you heard of the latest movement in personal finance? It's called “SKI,” or “Spending Kids' Inheritance.” Not surprisingly, it can create conflict across generations. It wasn't that long ago that people commonly followed the same financial plan: save money during your high earning years, spend carefully during retirement, and leave a decent inheritance for your kids so that they can live a better life than you did. But according to a recent article in Kiplinger, those plans are changing. Rather than focusing on what they'll eventually leave behind, more people are trying to spend their money while they’re still here to enjoy it. Today, new retirees are spending more on experiences, including “bucket list” travel.[1] In many ways, it's simply recognizing that your health, longevity and energy levels are going to run out someday, and maybe it's best to experience some fun while you still have the chance. And it's having an effect on the travel industry. The trend has become noticeable enough that it's “beginning to reshape how affluent travelers are spending their money on luxury travel.”[2] It's understandable why this is happening. As we've documented in previous episodes, longevity is on the rise. But there's also evidence to suggest that healthspans aren't keeping up. Healthspan can be defined as the number of years a person lives a “healthy, active, disease-free life.”[3] Research by the World Health Organization indicates that there's a growing disparity between lifespan and healthspan. The average gap between lifespan and healthspan is estimated at approximately 12.5 years in the United States, which is 13 percent higher than it was in the year 2000. In other words, over time, people are gaining extra years of life faster than they are gaining years of good health.[4] Perhaps one other reason for the upswing in SKI is that a surprising number of heirs end up wasting their inheritance. According to a recent survey by Texas Tech University and the University of Alabama, a substantial portion of heirs spend all of their inheritance in the first year. By then, a full 42 percent had seen their net worth drop back to or below what it had been before the inheritance.[5] As one of the authors wrote, “This propensity to immediately spend the entire inheritance is high. In fact, it's higher than with ANY OTHER type of financial windfall (when controlling for windfall size).” There are certainly some risks built into the SKI trend. For one thing, if you're not careful, you could easily spend your own retirement savings too quickly and be forced to adjust to a lower standard of living. And so many people underestimate the eventual cost of health care and long-term care. Also, it's easy to let small upgrades in your lifestyle add up to a much bigger problem later on, a phenomenon known as “lifestyle creep.” Kiplinger goes on to suggest some ideas for how to SKI intelligently. First, you need to set a baseline. Not for what you want to spend, but for what you want to keep. This should help maintain some peace of mind for both you and your heirs.[6] Next, they suggest doing some extra budgeting when it comes to travel. Make travel a specific factor in your overall retirement plan. The author also feels that a bucket list trip doesn't have to be to an exotic place on the other side of the world. It just has to be meaningful. In the long run, a memorable shared experience while you're living can have a greater impact than a bigger inheritance.[7] And finally, maybe you can still make some gifts to your heirs from time to time. The belief is that a smaller financial gift, at the right time, can have an oversized impact. So can bringing some of your heirs along with you on some of your trips. The memory might end up being more important than the money.[8] An important question remains, however: how to deal with SKI? There's one potential solution they fail to mention: life insurance. It's there to provide that extra cushion. If you've got enough of it, you can feel free to spend a good chunk of your kids' inheritance without much guilt. It's as if you've addressed the inheritance part prior to your retirement spending. Purchasing life insurance, and early, can be one of those instances where you really can get the best of both worlds during your working years and in retirement. And as you probably realize, the older you get, the higher life insurance premiums become. So, the sooner you start, the better. Do you have enough life insurance that your heirs will be OK if you decide to go “Skiing?” Your Security Mutual Life insurance agent can help. Your Security Mutual Life insurance agent will augment or assemble your team and coordinate with your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] Maddox, Choncé. “The SKI Travel Trend Is Reshaping Retirement Spending.” Kiplinger.com. https://www.kiplinger.com/personal-finance/travel/ski-retirement-travel-trend (accessed April 28, 2026). [2] Kompanik, Noreen. “The SKI trend that's reshaping travel.” GMtoday.com. https://www.gmtoday.com/travel/the-ski-trend-that-s-reshaping-travel/article_07ca7b72-0eb4-43fc-b8ec-e69fef82a694.html (accessed April 29, 2026). [3] Buckles, Susan. “The global divide between longer life and good health.” Mayoclinic.org. https://newsnetwork.mayoclinic.org/discussion/the-global-divide-between-longer-life-and-good-health/ (accessed April 28, 2026). [4] Borst, Heidi. “Longevity In The U.S.: The Gap Between Lifespan and Health Span.” Forbes.com. https://www.forbes.com/health/wellness/longevity-life-expectancy/ (accessed April 28, 2026). [5] Brin, Dinah Wisenberg. “Heirs Beware: 42% Spend Inheritance Within a Year, Study Finds.” Thinkadvisor.com. https://www.thinkadvisor.com/2026/04/07/heirs-beware-42-spend-inheritance-within-a-year-study-finds/ (accessed April 28, 2026). [6] Maddox, Choncé. “The SKI Travel Trend Is Reshaping Retirement Spending.” Kiplinger.com. https://www.kiplinger.com/personal-finance/travel/ski-retirement-travel-trend (accessed April 28, 2026). [7] Id. [8] Id. More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. 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Whether they realize it or not, there's a battle going on everywhere between purchasing and consuming. There's a huge difference between those two things today we unpack why am I writing and all my content style has changed to focus on consumption beyond purchase and why yours should too.

In this Episode Beth Cole of Riverview Farms shares how local farms strengthen communities, preserve farmland, improve food security, and support healthier ecosystems. Drawing from her experience as a market gardener in Western North Carolina, Beth explains the value of Certified Naturally Grown certification, community-supported agriculture (CSA), farmers markets, and home gardening. She also reflects on lessons learned from Hurricane Helene, the challenges of starting a farm, and why growing food is one of the most important skills families can develop.Our Guest: Beth Cole is a market gardener in Asheville, North Carolina. At their farm they grow a variety of certified naturally grown veggies and cut flowers, are passionate about preserving farmland in the region and growing real food that nourishes the community.Key TopicsBeth ColeRiverview FarmsMarket gardeningAsparagus productionCertified Naturally Grown (CNG)Local food systemsCommunity Supported Agriculture (CSA)Farmers marketsHurricane Helene recoverySoil health and floodplain farmingGarden plant startsDirt Craft Living SoilsFood security and preparednessGrowing food in Western North CarolinaKey Questions AnsweredWhat is market gardening?Market gardening is small-scale intensive food production focused on growing a diverse mix of vegetables and flowers for local markets, restaurants, and consumers. Riverview Farms grows on roughly two acres while maintaining additional acreage for wildlife habitat, hay production, and floodplain preservation.How does asparagus grow?Asparagus is a long-term perennial crop typically started from crowns. Growers wait several years before harvesting heavily, with full production often beginning around year five. Well-maintained asparagus beds can remain productive for 15 years or longer.What is Certified Naturally Grown?Certified Naturally Grown follows standards similar to organic certification but is designed for smaller farms. The program emphasizes sustainability, biodiversity, wildlife habitat, and farmland preservation while relying on peer-to-peer farm inspections rather than third-party auditors.Why does buying from local farms matter?Purchasing from local farms helps preserve farmland, protect watersheds, support pollinators, strengthen local economies, and provide farmers with a sustainable livelihood. Local food purchases keep money circulating within the community.What is a CSA?Community Supported Agriculture allows customers to purchase a subscription to a farm's harvest. Members share both the risks and rewards of farming while providing farmers with critical early-season income.What positive lessons came from Hurricane Helene?Although the storm caused significant damage throughout the region, Beth observed that floodplain farmland acted as a natural sponge, reducing downstream impacts. In some areas, nutrient-rich sediments deposited by floodwaters improved soil quality and organic matter.Why should gardeners buy plants locally?Locally grown plant starts are better adapted to regional growing conditions and often outperform plants shipped long distances to big-box stores. Supporting local growers also strengthens the regional food economy.Why do new gardeners struggle?Gardening is a learned skill that requires time, observation, and experience. Success depends on understanding local conditions, improving soil health, and accepting mistakes as part of the learning process.Why are farmers markets important?Farmers markets provide the freshest possible produce, often harvested within 24 hours of sale. They create direct relationships between growers and consumers while supporting local agriculture.What motivates Beth's farming work?Beth is driven by concerns about chronic disease, declining food quality, and the disconnect between people and real food. She believes locally grown produce can improve both individual and community health.Episode HighlightsBeth transitioned from humanitarian work and Montana grain farming into market gardening in North Carolina.Riverview Farms shifted from primarily asparagus production to diversified vegetable and flower production.Asparagus requires patience, often taking five years before reaching full harvest potential.Certified Naturally Grown certification strengthens farmer-to-farmer learning through peer inspections.Buying local food directly supports farmland preservation, pollinator habitat, and watershed protection.Hurricane Helene highlighted the important role farms play in absorbing floodwaters and protecting communities.Local plant starts provide gardeners with healthier, more resilient plants adapted to regional conditions.Farmers markets offer unmatched freshness while building relationships between farmers and consumers.Soil quality is one of the most important investments gardeners can make.Gardening success comes from persistence, observation, and continuous learning.Calls to Action & ResourcesCertified Naturally Grownhttps://www.naturallygrown.orgRiverview Farms NCFacebook: Riverview Farms NCAppalachian Sustainable Agriculture Project (ASAP)https://asapconnections.orgDirt Craft Living Soilshttps://dirtcraftorganics.comRecommended BookGrow Great Vegetables in North Carolina — A practical guide for understanding regional growing conditions, soil, weather patterns, and crop selection.Visit www.urbanfarm.org/RiverviewFarms for the show notes on this episode, and access to our full podcast library! Need a little bit of advice or just a feedback on your design for your yard or garden?The Urban Farm Team is offering consults over the phone or zoom. Get the benefits of a personalized garden and yard space analysis without the cost of trip charges. You can chat with Greg or choose one of the senior members of our Urban Farm team to get permaculture based feedback.Click HERE to learn more!*Disclosure: Some of the links in our podcast show notes and blog posts are affiliate links and if you go through them to make a purchase, we will earn a nominal commission at no cost to you. We offer links to items recommended by our podcast guests and guest writers as a service to our audience and these items are not selected because of the commission we receive from your purchases. We know the decision is yours, and whether you decide to buy something is completely up to you.

Have you ever gotten relationship advice that turned out to be bad? Did you know that many of the tried and true pieces of so-called advice are actually wrong? In this episode of The Love Lab Podcast, Kevin Anthony talks with Relational Life Therapy Certified Coach, Monica Tanner, about why and who she wrote the book "Bad Marriage Advice" for, what are some common pieces of bad marriage advice, what the consequences of following this bad advice can be, and what you should be doing instead. She even busts some of the biggest and most popular pieces of advice, such as "Happy Wife, Happy Life." To Find Out More About Monica Tanner And Her Book, Click The Link Below: https://monicatanner.com Check Out My Brand New Coaching App Called "Intimacy Mastery": https://www.kevinanthonycoaching.com/go/app

Send us Fan MailIn Episode 255 of Book Talk Etc., Tina and Hannah share some analog friendly loving latelies to continue to help you stay off your phone this summer and cure your brain rot! We also share some thoughts on new books that have released recently, as well as some thoughts on tropes we love, book tropes we hate, book tropes we anticipate being popular as well as the ones that are already buzzing around in the publishing world.If you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving Lately@Tabletopfamily (T)These Books Will Heal Your Brain Rot (H)Latest ReadOpen Wide | Jessica Gross (T)The Night Tiger | Yangsze Choo (H)Book Talk + Books We Missed Out OnBuffalo Hunter HunterCoffin MoonTrad Wife | Saratoga Schaefer (T)Nothing Tastes as Good | Luke DumasTropesick  | Lauren Okie (H)Dissection of a Murder | Jo Murray (T) The Fountain | Casey Scieszka (H)Shelf AdditionBack Stabbers | Eliza Jabore (T)They All Fall in Love at the End | Haili Blassingame (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 Fan MailHunger rarely looks like the stereotype. Sometimes it looks like a parent who works full-time but cannot make childcare and groceries fit in the same month. Sometimes it looks like grandparents raising grandchildren, a family navigating a health crisis, or someone who just lost a job and needs help for a season. Loving like Jesus means serving those who are the most vulnerable in real and tangible ways. In this episode, Bishop Wright has a conversation with Ashley and Sean Davis about the real faces of food insecurity and why a food pantry can be a lifeline without ever stripping away dignity. Their story starts with a major health issue that forced Ashley to step back from a corporate banking career and ask a hard question: what kind of work actually helps people? This discerning question led them to sell their California home, move to Cartersville, Georgia, and search for a place where they could stop feeling anonymous and start building community. That search led them to The Episcopal Church of the Ascension, where everything “felt right,” and soon after to the Red Door Food Pantry, where Ashley became executive director in 2024. They dig into the measurable impact and the human impact and how The Red Door Food Pantry grew from a ministry of Ascension into a nonprofit while continuing distributions through the church, and serving thousands of households across Bartow County and beyond. They discuss improving access through technology, mobile pantry plans, and partnerships that bring mental health support, housing resources, health services, and recovery connections right to distribution days. Listen in for the full conversation. About the Red Door Food Pantry:For decades, the food pantry was an outreach ministry of the Episcopal Church of the Ascension, and it distributed the same 8-10 items of food every week to about 30-50 people. Purchasing food at retail prices required the food pantry to use restricted funds to meet budgetary needs. Thus, the food pantry was “in the red,” with only about 10 months of operating expenses to fall back on. However, by joining the Atlanta Community Food Bank (ACFB) in 2013, the Red Door Food Pantry was able to buy food for about sixteen cents a pound– thus giving it greater buying power and by helping it attain solvency. In 2022, the Red Door Food Pantry was designated 501(c)(3) status as a public charity. Learn more and give here.From the archives: Read an article from our diocese about the Red Door Food Pantry and partnerships, including our own Episcopal Community Foundation.Support the show Follow us on IG and FB at Bishop Rob Wright. 

Send us Fan MailIn Episode 254 of Book Talk Etc., Tina and Hannah share their thoughts on Japanese Gothic, their community read for May. They also share thoughts on books from the past they feel they missed out on, as well as chat through what they think about when they consider what it means to "miss out" on books.If you enjoy this commercial-free podcast, consider supporting us on Patreon! Your membership includes access to bonus episodes like What's in the Mailbag, Bookstore Browse: The Handsell, and Book Talk After Dark, invites to monthly community events like Mood Reader Happy Hour, and entry into our private Facebook group and Discord server- all for just $5 a month.Loving LatelyMonthly Meal Planning (T)Monitor Clip on Fan (H)Latest ReadJapanese Gothic | Kylie Lee Baker (T+H)Book Talk + Books We Missed Out OnBuckeyeAtmosphereDemon Copperhead | Barbara KingsolverLessons in Chemistry | Bonnie GarmusJane Eyre | Charlotte Bronte1984 | George OrwellThe Last Party | AR Torre (T)Buffalo Hunter Hunter | Stephen Graham Jones (H)Still Life | Louise Penny (T)The Deal | Elle Kennedy (H)Shelf AdditionNerve Damage | Annakeara Stinson (T)Liars Dice | Juliet Faithfull (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