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In 2007, Josh Snowflake, Kenny ChrisTmas, and Holiday Mike recorded their first album, Crazy for ChrisTmas, which might never get its due as a cult classic, despite the fact that its themes are timeless: drugs and alcohol, excrement, capitalism, insanity, familicide, general murdering, and, of course, ChrisTmas. This episode is not for everyone. In fact, it's probably not for anyone. Merry ChrisTmas to all and to all a good fight–preferably with a family member right before ChrisTmas dinner.  Click here for more Hung Stockings ChrisTmas cheer! Thank you to our sponsors, Gretchen and Ruth Nall and Bloomington Rentals and Realty for their support of the pod. And thanks as usual to badknees WE HAVE MERCH! Designed by Chris Mott and sponsored by badknees. Check it out! Support:  Support Bloomington Stories Contact & Follow: Instagram Facebook Bluesky YouTube Threads bloomingtonstoriespod@gmail.com  Content Warning: It is never our intention to hurt or offend people, and we plan to be mindful about not punching down. We are always open to feedback about this because we want to keep growing and evolving until we croak. However, we do like to joke around and we are middle-aged, so our sense of humor may not be for you.

Why Customer Success Can't Be Automated (And What AI Can Actually Do) In this special year-end episode of the FutureCraft GTM Podcast, hosts Ken Roden and Erin Mills sit down with Amanda Berger, Chief Customer Officer at Employ, to tackle the biggest question facing CS leaders in December 2026: What can AI actually do in customer success, and where do humans remain irreplaceable? Amanda brings 20+ years at the intersection of data and human decision-making—from AI-powered e-commerce personalization at Rich Relevance, to human-led security at HackerOne, to now implementing AI companions for recruiters. Her journey is a masterclass in understanding where the machine ends and the human begins. This conversation delivers hard truths about metrics, change management, and the future of CS roles—plus Amanda's controversial take that "if you don't use AI, AI will take your job." Unpacking the Human vs. Machine Balance in Customer Success Amanda returns with a reality check: AI doesn't understand business outcomes or motivation—humans do. She reveals how her career evolved from philosophy major studying "man versus machine" to implementing AI across radically different contexts (e-commerce, security, recruiting), giving her unique pattern recognition about what AI can genuinely do versus where it consistently fails. The Lagging Indicator Problem: Why NRR, churn, and NPS tell you what already happened (6 months ago) instead of what you can influence. Amanda makes the case for verified outcomes, leading indicators, and real-time CSAT at decision points. The 70% Rule for CS in Sales: Why most churn starts during implementation, not at renewal—and exactly when to bring CS into the deal to prevent it (technical win stage/vendor of choice). Segmentation ≠ Personalization: The jumpsuit story that proves AI is still just sophisticated bucketing, even with all the advances in 2026. True personalization requires understanding context, motivation, and individual goals. The Delegation Framework: Don't ask "what can AI do?" Ask "what parts of my job do I hate?" Delegate the tedious (formatting reports, repetitive emails, data analysis) so humans can focus on what makes them irreplaceable. Timestamps 00:00 - Introduction and AI Updates from Ken & Erin 01:28 - Welcoming Amanda Berger: From Philosophy to Customer Success 03:58 - The Man vs. Machine Question: Where AI Ends and Humans Begin 06:30 - The Jumpsuit Story: Why AI Personalization Is Still Segmentation 09:06 - Why NRR Is a Lagging Indicator (And What to Measure Instead) 12:20 - CSAT as the Most Underrated CS Metric 17:34 - The $4M Vulnerability: House Security Analogy for Attribution 21:15 - Bringing CS Into Sales at 70% Probability (The Non-Negotiable) 25:31 - Getting Customers to Actually Tell You Their Goals 28:21 - AI Companions at Employ: The Recruiting Reality Check 32:50 - The Delegation Mindset: What Parts of Your Job Do You Hate? 36:40 - Making the Case for Humans in an AI-First World 40:15 - The Framework: When to Use Digital vs. Human Touch 43:10 - The 8-Hour Workflow Reduced to 30 Minutes (Real ROI Examples) 45:30 - By 2027: The Hardest CX Role to Hire 47:49 - Lightning Round: Summarization, Implementation, Data Themes 51:09 - Wrap-Up and Key Takeaways Edited Transcript Introduction: Where Does the Machine End and Where Does the Human Begin? Erin Mills: Your career reads like a roadmap of enterprise AI evolution—from AI-powered e-commerce personalization at Rich Relevance, to human-powered collective intelligence at HackerOne, and now augmented recruiting at Employ. This doesn't feel random—it feels intentional. How has this journey shaped your philosophy on where AI belongs in customer experience? Amanda Berger: It goes back even further than that. I started my career in the late '90s in what was first called decision support, then business intelligence. All of this is really just data and how data helps humans make decisions. What's evolved through my career is how quickly we can access data and how spoon-fed those decisions are. Back then, you had to drill around looking for a needle in a haystack. Now, does that needle just pop out at you so you can make decisions based on it? I got bit by the data bug early on, realizing that information is abundant—and it becomes more abundant as the years go on. The way we access that information is the difference between making good business decisions and poor business decisions. In customer success, you realize it's really just about humans helping humans be successful. That convergence of "where's the data, where's the human" has been central to my career. The Jumpsuit Story: Why AI Personalization Is Still Just Segmentation Ken Roden: Back in 2019, you talked about being excited for AI to become truly personal—not segment-based. Flash forward to December 2026. How close are we to actual personalization? Amanda Berger: I don't think we're that close. I'll give you an example. A friend suggested I ask ChatGPT whether I should buy a jumpsuit. So I sent ChatGPT a picture and my measurements. I'm 5'2". ChatGPT's answer? "If you buy it, you should have it tailored." That's segmentation, not personalization. "You're short, so here's an answer for short people." Back in 2019, I was working on e-commerce personalization. If you searched for "black sweater" and I searched for "black sweater," we'd get different results—men's vs. women's. We called it personalization, but it was really segmentation. Fast forward to now. We have exponentially more data and better models, but we're still segmenting and calling it personalization. AI makes segmentation faster and more accessible, but it's still segmentation. Erin Mills: But did you get the jumpsuit? Amanda Berger: (laughs) No, I did not get the jumpsuit. But maybe I will. The Philosophy Degree That Predicted the Future Erin Mills: You started as a philosophy major taking "man versus machine" courses. What would your college self say? And did philosophy prepare you in ways a business degree wouldn't have? Amanda Berger: I actually love my philosophy degree because it really taught me to critically think about issues like this. I don't think I would have known back then that I was thinking about "where does the machine end and where does the human begin"—and that this was going to have so many applicable decision points throughout my career. What you're really learning in philosophy is logical thought process. If this happens, then this. And that's fundamentally the foundation for AI. "If you're short, you should get your outfit tailored." "If you have a customer with predictive churn indicators, you should contact that customer." It's enabling that logical thinking at scale. The Metrics That Actually Matter: Leading vs. Lagging Indicators Erin Mills: You've called NRR, churn rate, and NPS "lagging indicators." That's going to ruffle boardroom feathers. Make the case—what's broken, and what should we replace it with? Amanda Berger: By the time a customer churns or tells you they're gonna churn, it's too late. The best thing you can do is offer them a crazy discount. And when you're doing that, you've already kind of lost. What CS teams really need to be focused on is delivering value. If you deliver value—we all have so many competing things to do—if a SaaS tool is delivering value, you're probably not going to question it. If there's a question about value, then you start introducing lower price or competitors. And especially in enterprise, customers decide way, way before they tell you whether they're gonna pull the technology out. You usually miss the signs. So you've gotta look at leading indicators. What are the signs? And they're different everywhere I've gone. I've worked for companies where if there's a lot of engagement with support, that's a sign customers really care and are trying to make the technology work—it's a good sign, churn risk is low. Other companies I've worked at, when customers are heavily engaged with support, they're frustrated and it's not working—churn risk is high. You've got to do the work to figure out what those churn indicators are and how they factor into leading indicators: Are they achieving verified outcomes? Are they healthy? Are there early risk warnings? CSAT: The Most Underrated Metric Ken Roden: You're passionate about customer satisfaction as a score because it's granular and actionable. Can you share a time where CSAT drove a change and produced a measurable business result? Amanda Berger: I spent a lot of my career in security. And that's tough for attribution. In e-commerce, attribution is clear: Person saw recommendations, put them in cart, bought them. In hiring, their time-to-fill is faster—pretty clear. But in security, it's less clear. I love this example: We all live in houses, right? None of our houses got broken into last night. You don't go to work saying, "I had such a good night because my house didn't get broken into." You just expect that. And when your house didn't get broken into, you don't know what to attribute that to. Was it the locked doors? Alarm system? Dog? Safe neighborhood? That's true with security in general. You have to really think through attribution. Getting that feedback is really important. In surveys we've done, we've gotten actionable feedback. Somebody was able to detect a vulnerability, and we later realized it could have been tied to something that would have cost $4 million to settle. That's the kind of feedback you don't get without really digging around for it. And once you get that once, you're able to tie attribution to other things. Bringing CS Into the Sales Cycle: The 70% Rule Erin Mills: You're a religious believer in bringing CS into the sales cycle. When exactly do you insert CS, and how do you build trust without killing velocity? Amanda Berger: With bigger customers, I like to bring in somebody from CX when the deal is at the technical win stage or 70% probability—vendor of choice stage. Usually it's for one of two reasons: One: If CX is gonna have to scope and deliver, I really like CX to be involved. You should always be part of deciding what you're gonna be accountable to deliver. And I think so much churn actually starts to happen when an implementation goes south before anyone even gets off the ground. Two: In this world of technology, what really differentiates an experience is humans. A lot of our technology is kind of the same. Competitive differentiation is narrower and narrower. But the approach to the humans and the partnership—that really matters. And that can make the difference during a sales cycle. Sometimes I have to convince the sales team this is true. But typically, once I'm able to do that, they want it. Because it does make a big difference. Technology makes us successful, but humans do too. That's part of that balance between what's the machine and what is the human. The Art of Getting Customers to Articulate Their Goals Ken Roden: One challenge CS teams face is getting customers to articulate their goals. Do customers naturally say what they're looking to achieve, or do you have a process to pull it out? Amanda Berger: One challenge is that what a recruiter's goal is might be really different than what the CFO's goal is. Whose outcome is it? One reason you want to get involved during the sales cycle is because customers tell you what they're looking for then. It's very clear. And nothing frustrates a company more than "I told you that, and now you're asking me again? Why don't you just ask the person selling?" That's infuriating. Now, you always have legacy customers where a new CSM comes in and has to figure it out. Sometimes the person you're asking just wants to do their job more efficiently and can't necessarily tie it back to the bigger picture. That's where the art of triangulation and relationships comes in—asking leading discovery questions to understand: What is the business impact really? But if you can't do that as a CS leader, you probably won't be successful and won't retain customers for the long term. AI as Companion, Not Replacement: The Employ Philosophy Erin Mills: At Employ, you're implementing AI companions for recruiters. How do you think about when humans are irreplaceable versus when AI should step in? Amanda Berger: This is controversial because we're talking about hiring, and hiring is so close to people's hearts. That's why we really think about companions. I earnestly hope there's never a world where AI takes over hiring—that's scary. But AI can help companies and recruiters be more efficient. Job seekers are using AI. Recruiters tell me they're getting 200-500% more applicants than before because people are using AI to apply to multiple jobs quickly or modify their resumes. The only way recruiters can keep up is by using AI to sort through that and figure out best fits. So AI is a tool and a friend to that recruiter. But it can't take over the recruiter. The Delegation Framework: What Do You Hate Doing? Ken Roden: How do you position AI as companion rather than threat? Amanda Berger: There's definitely fear. Some is compliance-based—totally justifiable. There's also people worried about AI taking their jobs. I think if you don't use AI, AI is gonna take your job. If you use AI, it's probably not. I've always been a big fan of delegation. In every aspect of my life: If there's something I don't want to do, how can I delegate it? Professionally, I'm not very good at putting together beautiful PowerPoint presentations. I don't want to do it. But AI can do that for me now. Amazingly well. What I'm really bad at is figuring out bullets and formatting. AI does that. So I think about: What are the things I don't want to do? Usually we don't want to do the things we're not very good at or that are tedious. Use AI to do those things so you can focus on the things you're really good at. Maybe what I'm really good at is thinking strategically about engaging customers or articulating a message. I can think about that, but AI can build that PowerPoint. I don't have to think about "does my font match here?" Take the parts of your job that you don't like—sending the same email over and over, formatting things, thinking about icebreaker ideas—leverage AI for that so you can do those things that make you special and make you stand out. The people who can figure that out and leverage it the right way will be incredibly successful. Making the Case to Keep Humans in CS Ken Roden: Leaders face pressure from boards and investors to adopt AI more—potentially leading to roles being cut. How do you make the case for keeping humans as part of customer success? Amanda Berger: AI doesn't understand business outcomes and motivation. It just doesn't. Humans understand that. The key to relationships and outcomes is that understanding. The humanity is really important. At HackerOne, it was basically a human security company. There are millions of hackers who want to identify vulnerabilities before bad actors get to them. There are tons of layers of technology—AI-driven, huge stacks of security technology. And yet no matter what, there's always vulnerabilities that only a human can detect. You want full-stack security solutions—but you have to have that human solution on top of it, or you miss things. That's true with customer success too. There's great tooling that makes it easier to find that needle in the haystack. But once you find it, what do you do? That's where the magic comes in. That's where a human being needs to get involved. Customer success—it is called customer success because it's about success. It's not called customer retention. We do retain through driving success. AI can point out when a customer might not be successful or when there might be an indication of that. But it can't solve that and guide that customer to what they need to be doing to get outcomes that improve their business. What actually makes success is that human element. Without that, we would just be called customer retention. The Framework: When to Use Digital vs. Human Touch Erin Mills: We'd love to get your framework for AI-powered customer experience. How do you make those numbers real for a skeptical CFO? Amanda Berger: It's hard to talk about customer approach without thinking about customer segmentation. It's very different in enterprise versus a scaled model. I've dealt with a lot of scale in my last couple companies. I believe that the things we do to support that long tail—those digital customers—we need to do for all customers. Because while everybody wants human interaction, they don't always want it. Think about: As a person, where do I want to interact digitally with a machine? If it's a bot, I only want to interact with it until it stops giving me good answers. Then I want to say, "Stop, let me talk to an operator." If I can find a document or video that shows me how to do something quickly rather than talking to a human, it's human nature to want to do that. There are obvious limits. If I can change my flight on my phone app, I'm gonna do that rather than stand at a counter. Come back to thinking: As a human, what's the framework for where I need a human to get involved? Second, it's figuring out: How do I predict what's gonna happen with my customers? What are the right ways of looking and saying "this is a risk area"? Creating that framework. Once you've got that down, it's an evolution of combining: Where does the digital interaction start? Where does it stop? What am I looking for that's going to trigger a human interaction? Being able to figure that out and scale that—that's the thing everybody is trying to unlock. The 8-Hour Workflow Reduced to 30 Minutes Erin Mills: You've mentioned turning some workflows from an 8-hour task to 30 minutes. What roles absorbed the time dividend? What were rescoped? Amanda Berger: The roles with a lot of repetition and repetitive writing. AI is incredible when it comes to repetitive writing and templatization. A lot of times that's more in support or managed services functions. And coding—any role where you're coding, compiling code, or checking code. There's so much efficiency AI has already provided. I think less so on the traditional customer success management role. There's definitely efficiencies, but not that dramatic. Where I've seen it be really dramatic is in managed service examples where people are doing repetitive tasks—they have to churn out reports. It's made their jobs so much better. When they provide those services now, they can add so much more value. Rather than thinking about churning out reports, they're able to think about: What's the content in my reports? That's very beneficial for everyone. By 2027: The Hardest CX Role to Hire Erin Mills: Mad Libs time. By 2027, the hardest CX job to hire will be _______ because of _______. Amanda Berger: I think it's like these forward-deployed engineer types of roles. These subject matter experts. One challenge in CS for a while has been: What's the value of my customer success manager? Are they an expert? Or are they revenue-driven? Are they the retention person? There's been an evolution of maybe they need to be the expert. And what does that mean? There'll continue to be evolution on that. And that'll be the hardest role. That standard will be very, very hard. Lightning Round Ken Roden: What's one AI workflow go-to-market teams should try this week? Amanda Berger: Summarization. Put your notes in, get a summary, get the bullets. AI is incredible for that. Ken Roden: What's one role in go-to-market that's underusing AI right now? Amanda Berger: Implementation. Ken Roden: What's a non-obvious AI use case that's already working? Amanda Berger: Data-related. People are still scared to put data in and ask for themes. Putting in data and asking for input on what are the anomalies. Ken Roden: For the go-to-market leader who's not seeing value in AI—what should they start doing differently tomorrow? Amanda Berger: They should start having real conversations about why they're not seeing value. Take a more human-led, empathetic approach to: Why aren't they seeing it? Are they not seeing adoption, or not seeing results? I would guess it's adoption, and then it's drilling into the why. Ken Roden: If you could DM one thing to all go-to-market leaders, what would it be? Amanda Berger: Look at your leading indicators. Don't wait. Understand your customer, be empathetic, try to get results that matter to them. Key Takeaways The Human-AI Balance in Customer Success: AI doesn't understand business outcomes or motivation—humans do. The winning teams use AI to find patterns and predict risk, then deploy humans to understand why it matters and what strategic action to take. The Lagging Indicator Trap: By the time NRR, churn rate, or NPS move, customers decided 6 months ago. Focus on leading indicators you can actually influence: verified outcomes, engagement signals specific to your business, early risk warnings, and real-time CSAT at decision points. The 70% Rule: Bring CS into the sales cycle at the technical win stage (70% probability) for two reasons: (1) CS should scope what they'll be accountable to deliver, and (2) capturing customer goals early prevents the frustrating "I already told your sales rep" moment later. Segmentation ≠ Personalization: AI makes segmentation faster and cheaper, but true personalization requires understanding context, motivation, and individual circumstances. The jumpsuit story proves we're still just sophisticated bucketing, even with 2026's advanced models. The Delegation Framework: Don't ask "what can AI do?" Ask "what parts of my job do I hate?" Delegate the tedious (formatting, repetitive emails, data analysis) so humans can focus on strategy, relationships, and outcomes that only humans can drive. "If You Don't Use AI, AI Will Take Your Job": The people resisting AI out of fear are most at risk. The people using AI to handle drudgery and focusing on what makes them irreplaceable—strategic thinking, relationship-building, understanding nuanced goals—are the future leaders. Customer Success ≠ Customer Retention: The name matters. Your job isn't preventing churn through discounts and extensions. Your job is driving verified business outcomes that make customers want to stay because you're improving their business. Stay Connected To listen to the full episode and stay updated on future episodes, visit the FutureCraft GTM website. Connect with Amanda Berger: Connect with Amanda on LinkedIn Employ Disclaimer: This podcast is for informational and entertainment purposes only and should not be considered advice. The views and opinions expressed in this podcast are our own and do not represent those of any company or business we currently work for/with or have worked for/with in the past.

This Week on The Hudson Valley Disc Golf Podcast: Alex, Corey, Jaimen and Randy join to recap the last week in local disc golf. We covered all of the local Putting, Doubles, Dead and Disc Beat Leagues. We also talked about FDR Double Basket Doubles. Corey summarized the Wrenches match against the Tower of Power at JPark, Alex ran down the Chatham Hill Country Club match at Saratoga Revolution, Jaimen recounted The Goats match at The Wilcox Widowmakers and Randy (synonym for recapped) the WHIPS match at The Beasts of Burbine. We finished it off with a round of Disc or No Disc with some local and PDGA trivia mixed in.Support the showSpecial Thanks to our Patreon Supporters: Branden Cline, Tim Goyette, Peter Hodge, Ryan Nelson, Kevin T. Kroencke, Brian Monahan, Corey Cook, Evan Parsley, Mark Bryan, Nick Warren, Jasan Lasasso, Justin Mucelli, Terry Hudson, Kyle Hirsch, Brian Bickersmith, Sparky Spaulding, Mike Schwartz, Erich Struna, William Byrne, Jeff Wiechowski, Sean Dollard, Jack Bradley, Marcia Focht, Justin Hickok, Troy Vassari and Erik Haenel.

Ever feel tired even when you sleep enough? Carrie Bennett explains how quantum biology & circadian rhythms shape your energy, metabolism, and mood & how simple light choices like morning sunlight, infrared bulbs, & reducing blue light bring real biosynergy. Meet our guest As a college athlete, Carrie battled chronic joint pain, insomnia, stomach issues, adrenal fatigue & brain fog despite her background in biology, nutrition & fitness. Everything changed when she discovered quantum biology, finally uncovering the root causes of her health struggles. Now a clinician, online educator & faculty member of the Quantum Biology Collective, she teaches others to heal by optimizing light, water, electrons & mitochondrial support for lasting transformation. Thank you to our partners Outliyr Biohacker's Peak Performance Shop: get exclusive discounts on cutting-edge health, wellness, & performance gear Ultimate Health Optimization Deals: a database of of all the current best biohacking deals on technology, supplements, systems and more Latest Summits, Conferences, Masterclasses, and Health Optimization Events: join me at the top events around the world FREE Outliyr Nootropics Mini-Course: gain mental clarity, energy, motivation, and focus Key takeaways Get outside for at least 3 minutes each morning to set your body's clock & support optimal rhythm regardless of weather Artificial light lacks the complete spectrum & natural changes of sunlight, shifting health, hormones, & energy Block blue light from screens & bulbs at night to support restful sleep & proper hormone production LED & fluorescent flicker triggers anxiety & nervous system issues while natural or incandescent light supports calmer biology Outdoor light stays far brighter than indoor light even on dark rainy days, helping regulate your biology Avoid sunglasses during sun exposure to build natural sun tolerance & send matching light signals to your eyes & skin Infrared from sunlight, fires, or red heat bulbs fuels cellular energy & repairs by charging body water Morning & midday sunlight boost melatonin, nitric oxide, vitamin D, & libido, supporting brain, heart, & immune health True hydration starts in the mitochondria as they produce metabolic water from fat rather than relying only on drinking water Tiny daily habits like 3 minutes of light & small environmental shifts move the needle fast for energy, sleep, & focus   Episode highlights 00:00 Why light is a missing pillar of health 06:28 How natural vs artificial light program your biology 11:49 Simple daily light protocols for circadian alignment 26:37 Sunlight as hormetic stress, hormone support & human “photosynthesis” 45:50 Biological water, deep hydration & mitochondrial health 50:14 Putting it all together in daily life Links Watch it on YouTube: https://youtu.be/PvND8nHhgEA  Full episode show notes: outliyr.com/240 Connect with Nick on social media Instagram Twitter (X) YouTube LinkedIn Easy ways to support Subscribe Leave an Apple Podcast review Suggest a guest Do you have questions, thoughts, or feedback for us? Let me know in the show notes above and one of us will get back to you! Be an Outliyr, Nick

This week on Business Buying Strategies, we return to the behind-the-scenes recording of a live seminar where Jonathan Jay walks an audience of ambitious entrepreneurs through his proven approach to buying and growing businesses without using their own cash. Whether you're just getting started or you've tried the "DIY" route with limited results, this is a must-listen for anyone who wants a safer, smarter way to buy businesses. Jonathan breaks down: ✅ Why confidence matters more than cash — and how to build it ✅ What a leveraged buyout (LBO) really means in practical terms ✅ How to buy using seller finance, asset finance, invoice finance, and even the target business's own cash✅ Why he refuses to let clients sign personal guarantees — and what to do instead ✅ The truth about "no money down" deals — and why that term is misleading ✅ How to structure a deal that reduces risk and gets the seller paid ✅ Why most "rookie buyers" fail to get past deal sourcing — and how to go all the way to completion You'll also learn about the concept of the "deal jigsaw" — Jonathan's approach to combining multiple finance methods into one seamless, no-risk deal structure. Plus: How to pay yourself a deal fee at completion Why seller credibility is everything — and what to watch out for The 21-step roadmap Jonathan teaches to take you from ambition to acquisition How to secure exclusivity with sellers (and push away the competition) What to say during discovery calls and face-to-face meetings to maintain control of the process And why the best deals come from off-market businesses, not brokers Whether you're looking to make your first acquisition or scale through multiple deals, this episode delivers the strategic clarity most buyers never get.

Two things are happening right now around the world and I hope you're paying attention. On the one hand they are ushering in a new era of censorship and two they're manufacturing consent for war against Iran... once again. Both of these things are happening in real time. 

Who do you say Jesus is? Are you truly a Christian? Rabbi Schneider shares from Caesarea Philippi, in the Holy Land of Israel, that Jesus said, "I am the way the truth and the life, and no one comes to the Father except through me." In this episode, we learn the various ways the traditional Catholic and traditional Protestant churches interpret Jesus' words to Peter, but is that what Jesus meant? Putting it all into perspective, Jesus refers to revelation through God the Father. You are chosen. You have a destiny. Come to the Father through Jesus the Messiah. **** BECOME A MONTHLY PARTNER - https://djj.show/YTAPartner  **** DONATE - https://djj.show/YTADonate  **** TEACHING NOTES - https://djj.show/nf2 

Send us a textIn today's episode, I am chatting with Shari Biery, NBC-HWC. Shari is a leading credentialed Purpose and Well-Being coach for midlife women empowering them to reclaim their identities and live with purpose and wellness after years of prioritizing everyone but themselves. Drawing from her two decades as a military spouse supporting her physician husband and as a National Board Certified Health and Wellness Coach, Shari is the creator of the signature C.A.L.M. Method, author of the It's YOUR Turn Bestselling book, and nationally recognized speaker and coach. Are you a doer? An overachiever? A woman who's put herself on the back burner? Ever looked in the mirror and hardly recognized who you've become? This episode is for you. We dive into motherhood, peri-menopause, your body's intuition, learning to listen more deeply, and what it looks like to finally put your needs first. I wish I had this episode years ago — and I think you will too. Shari has a new offering to find - What's Your Spark Type? Take the short quiz and discover what your body and life are asking for in this season of your life.Episode Highlights:How Shari's two decades as a military spouse shaped her purpose and perspective.Why so many midlife women lose their sense of identity — and how to reclaim it.Listening to your body's intuition and reconnecting with your inner compass.The importance of self-prioritization without guilt.The rise of loneliness — and why community and connection matter more than ever.Connect with Shari:InstagramFacebookWebsiteBooks and authors mentioned in the episode:The Moment of Lift by Melinda GatesResisting Happiness by Matthew KellyThe American Woman by Zarna GargBook FlightBurnout by Emily Nagoski and Amelia NagoskiThe New Menopause by Dr. Mary Claire HaverIt's YOUR Turn by Shari Biery✨ Find Your Next Great Read! We just hit 175 episodes of Bookish Flights, and to celebrate, I created the Bookish Flights Roadmap — a guide to all 175 podcast episodes, sorted by genre to help you find your next great read faster.Explore it here → www.bookishflights.com/read/roadmapSupport the showBe sure to join the Bookish Flights community on social media. Happy listening! Instagram Facebook Website

From time to time, we'll re-air a previous episode of the show that our newer audience may have missed. During this episode, Santosh is joined by Alex Yaseen, Founder and CEO of Parabola, the spreadsheet alternative where you combine the data running throughout your company and create automated processes. In this conversation, Santosh and Alex discuss the limitations of traditional spreadsheets in data management and how Parabola offers a collaborative, user-friendly platform for non-technical users. Alex explains how Parabola automates repetitive tasks, integrates various data sources, and enhances collaboration, thereby addressing common issues like data silos and version control. The episode underscores the importance of robust data infrastructure for leveraging AI and machine learning, highlighting Parabola's role in streamlining supply chain operations, and so much more. Highlights from their conversation include:Overview of Parabola (1:20)Alex's Background Leading to Founding Parabola (2:51)Features of Parabola (6:14)Skepticism Towards Spreadsheets (10:16)Customer Examples (14:10)Importance of Data Infrastructure (16:45)Combining Expertise with AI (19:14)A Founder's Journey (20:40)The First Marketing Hire in B2B Businesses (21:10)Getting Attention in Legacy Industries (24:26)Focus and Prioritization (27:36)Managing Team Dynamics (29:14)Segment: This or That? to Close the Episode (30:06)Dynamo is a VC firm led by supply chain and mobility specialists that focus on seed-stage, enterprise startups.Find out more at: https://www.dynamo.vc/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many women feel invisible or silenced during hard seasons. Putting pressure on themselves to suck it up and push through. My guest this week, Heidi Schalk, believes that visibility is a healing and transformational act for women and she wants to help get them there. Heidi's story is incredibly powerful — from single motherhood and burnout to rebuilding your life and business. Heidi Schalk is the co-founder of HLH Growth Solutions, an author, speaker, and host of two top-ranking shows: The Be S.H.E. Podcast (Be Seen. Be Heard. Be Empowered.) and the Business Growth Spotlight Podcast. Heidi believes success is not reserved for a select few. It's available to anyone willing to be seen, step into their voice, and claim the life they dream of. Her work is centered on empowering others to lead with authenticity, courage, and possibility.On this guest episode, Heidi shares about when she first realize she was hiding and how she found the courage to be seen again. She also talks about the moment that sparked her own awakening & transformation the led her to create the Be S.H.E podcast to encourage Women to be seen, heard, and empowered. Heidi offers advice for Women who feel called to lead but are terrified to be visible and how women can step into leadership without falling into the patterns of competition, perfectionism, or self-sacrifice. And she tells how healing and inner work influenced her business success in building multiple businesses both B2C and B2B and now running a successful growth agency. Finally, together we discuss how burnout is not as a time problem, but an alignment problem and why so many women struggle with receiving love, money, support, & visibility and how to shift that.Bio:Heidi Schalk is the co-founder of HLH Growth Solutions, an author, speaker, and host of two top-ranking shows: The Be S.H.E. Podcast (Be Seen. Be Heard. Be Empowered.) and the Business Growth Spotlight Podcast. She is a contributing author in Heart Talks Volume 1 and has been featured on FOX, ABC, NBC, CBS, and The Daily Herald. She was also named one of the Top 30 Inspiring Entrepreneurs to Look Out for in 2024 by The NYC Journal. For the past five years, Heidi has helped women break through their limits, achieve their goals, and build online businesses they truly love. Along the way, she learned firsthand that while entrepreneurship isn't easy, it can be simple, aligned, and fun with the right support and strategy.In 2025, she made a bold pivot building a six-figure-plus marketing and visibility agency in just seven months. Today, Heidi helps leaders, experts, and companies grow their brand authority, expand their audience, and generate demand through strategic visibility, content ecosystems, and “podcast-to-pipeline” systems. Most recently, Heidi has expanded HLH Growth Solutions with cutting-edge AI tools including the AI Receptionist and the Sales Analyzer, designed to help businesses reduce workload, increase conversions, and accelerate growth with smart automation. These solutions allow companies to create 24/7 customer experiences, analyze sales opportunities in real time, and scale with efficiency.A mom of two teenagers (16 and 14), Heidi credits her children as the catalyst for her entrepreneurial journey. As an animal lover, she often fosters and transports pets in need, helping them find their forever homes.Links:Spotlight to Scale Blueprint:  Spotlight to Scale BlueprintInstagram: @heidischalkcoaching    Heidi Schalk (@heidischalkcoaching) • Instagram photos and videosLInkedIn: https://www.linkedin.com/in/heidischalkcoachingWebsite: hlhgrowthsolutions.comWebsite: Business Strategy Coach

If you've ever said “I just need one more training,” this episode is for you. In this conversation, I'm talking about the real reason so many travel advisors stay stuck. It's not lack of knowledge. It's not lack of talent. It's staying in consumption mode instead of moving into implementation. Webinars feel productive. Courses feel safe. Learning gives you permission to delay the hard parts. Putting yourself out there. Making decisions. Asking clients to book. We're unpacking why consumption becomes a comfort zone, how it protects you from rejection, and why implementation is the difference between advisors who grow and those who stay frustrated year after year. I also share why this exact pattern is what led me to create the Accelerator and what actually happens when you give yourself space to work on your business instead of constantly reacting inside it. If you're heading into a new season of business and know something needs to change, this episode will challenge you in the best way. Ready to move from learning to doing? Join us inside the Accelerator. Check out our programs: Join Accelerator 2026: https://artofsellingtravel.com/2026 Facebook Ads for Travel Advisors: https://www.travelsalesauthority.com//facebook How to build an email list for Travel Advisors: https://artofsellingtravel.com/cold Looking to grow your travel business? Join the Travel Advisor Success Studio today: https://artofsellingtravel.com/tass Join our Facebook community: https://www.facebook.com/groups/travelagentobjections Are you following me on socials? I love doing random Ask Me Anythings - and you'll only see those if you're following me. Come hang out on Instagram at https://www.instagram.com/artofsellingtravel/ Or FB at https://www.facebook.com/artofsellingtravel

You don't gain momentum by removing limits—you gain it by choosing them:“I raised more money once I set that boundary.”“Putting constraints on yourself is actually the answer.”“The only roadblock is yourself.”What changes when leaders stop confusing freedom with…See BoldEncounters.TV .Josh Simons has lived two lives that most people never connect. One on stage—touring with Coldplay, Carrie Underwood, and Keith Urban. The other in boardrooms—raising capital, leading teams, and running a public company. In this conversation, Josh explains why the instinct to remove constraints nearly cost him clarity, energy, and trust—and how deliberately restricting himself unlocked momentum across work, leadership, and life.Josh SimonsCEO, Vinyl Group (ASX: VNL)Founder of VamprFormer touring musician, songwriter, and producerLeader at the intersection of music, media, and business executionInside This EpisodeJosh walks through the moment he realized that saying yes to everything was quietly slowing him down. He shares how setting clear personal and professional boundaries changed investor confidence, team alignment, and his own sustainability as a leader. We explore why constraints sharpen focus, how leaders mistake availability for value, and what happens when you clearly communicate limits to the people who depend on you.Go Deeper — Premium Action PlanIn the Premium extension, Josh translates his experience into a practical framework you can apply immediately. Learn how to define a single constraint that matters this year, communicate it without damaging trust, and use it to create momentum instead of friction. This segment focuses on execution—what to say, what to stop, and how to hold the line when pressure returns.Listen + ConnectVinyl Grouphttps://www.vinyl.groupJosh Simonslinkedin.com/in/simonsjoshMark S. Cookhttps://www.markspencercook.comMoments to RevisitWhy boundaries increased—not reduced—business successThe hidden cost of unlimited availabilityHow constraints sharpen decision-makingThe difference between freedom and clarityWhy most leaders block their own momentumFinal ThoughtDiscipline isn't restriction—it's direction. When leaders choose their limits deliberately, progress accelerates and the work becomes lighter, not heavier.Do you feel stuck between where you are today… and who you're meant to become? Find your next step inside Bold Encounters Premium at: BoldEncounters.TV — you can also give the gift of Premium success to someone else you care about.

Privacy is one of those topics everyone knows they should understand better—right up until it becomes urgent. Headline: it’s urgent. That's exactly why I wanted Richy Glassberg, CoFounder / CEO of SafeGuard Privacy, on the show: to tackle what may be the most complex challenge marketers face: privacy compliance at scale. Sample Page: SafeGuard Privacy Playbook Richy brings big credibility to the conversation. You’ll hear the stories of a career that included helping launch CNN.com and its digital business, co-founding the IAB, and building an advertising infrastructure still used across the industry. He likes to build things. And we’re the better for it. Because he’s THE person to help explain why privacy laws aren't just legal issues—they're structural ones. And why, if you work in marketing, advertising, media, or tech, these laws apply to you whether you realize it or not. “These laws don't care what kind of digital advertising you do. They ask one question: ‘do you have data on a consumer, and what are you doing with it?’” Richy breaks down what regulators are actually asking, why enforcement is picking up, and why brands are now responsible not only for themselves, but for their entire partner ecosystem. “Privacy doesn't have to slow growth. If you standardize it, make it auditable, and prove it once, it becomes a competitive advantage.” What I appreciate most about Richy's approach is that it's practical, and empathetic. He understands the values and the limitations of AI. He knows human attorneys need to be involved. He has made sure that SafeGuard is nimble and building systems that make compliance auditable, efficient, and—yes—actually helpful to growth, even when the rules keep changing.  We also talk about: Why inboxes listed on privacy policies are now enforcement targets How standardization saved digital advertising once before…and why it’s key to compliance now Where AI fits into privacy workflows (and where it shouldn't) Why proving compliance matters more than promising it If privacy still feels abstract or overwhelming, this conversation will give you clarity—and probably a healthy nudge to check a few things you've been meaning to look at.  Speaking of healthy, I’m so honored to have Richy on for 23 million additional reasons: he is also a founding force behind BreastCancer.org, (did we mention they are matching donations through December?) It’s now one of the most recognizable, trusted, peer-reviewed health information sites in the world. Richy put his powers to use, from grabbing the URL to creating the revenue streams that are the foundation for its viability and ability to serve more than 20 million women globally, and counting. Richy Glassberg works in a world defined by discretion and safeguards, yet remains an open book—grounded in purpose, devoted to his wife and best friend Katy, loyal to his Jack Russells, disciplined through 30 years of training in Shorin-Ryu Karate, and committed to making privacy compliance clearer, calmer, and more human. Key Moments: 00:00 – Why privacy compliance has become a business risk CMOs can't ignore 4:10 – How data privacy laws impact all forms of digital advertising 8:55 – How Richy’s sneakers explain privacy really well 12:40 – Why brands are now responsible for vendors…and their vendors' vendors 17:05 – What enforcement really looks like (and why it's accelerating) 22:30 – How standardization turns compliance into a competitive advantage 26:15 – Using AI to assist privacy teams without replacing legal judgment 30:45 – From building CNN.com to how a pixel protected Ted Turner’s business 34:50 – The origins of BreastCancer.org and why it's the work Richy’s most proud of 39:10 – Putting digital to good while keeping the open internet viable 41:55 – What’s next at SafeGuard Privacy Connect with Richy Glassberg: https://www.linkedin.com/in/richy-glassberg-49a915 Visit SafeGuard Privacy for more resources: http://www.safeguardprivacy.com Connect with E.B. Moss and Insider Interviews: With Media & Marketing Experts            LinkedIn: https://www.linkedin.com/in/mossappeal Instagram: https://www.instagram.com/insiderinterviews Facebook: https://www.facebook.com/InsiderInterviewsPodcast/ Threads: https://www.threads.net/@insiderinterviews Please follow Insider Interviews, share with another smart business leader, and leave a comment on @Apple or @Spotify… or a tip in my jar!: https://buymeacoffee.com/mossappeal!  THANK YOU for listening!

When it comes to pricing your coaching services, it's hard to know if you are charging too much, or if you are undercharging. Putting pieces together isn't easy. If you charge too much, no one will buy, and you won't make any sales if you charge too little. Listen to this episode wherein Sally talks about knowing how to charge your clients as coach.   Stay Connected & Get Exclusive Access: Join the Private OmniSAM Community: omnisam.com.au/gsdgroup Facebook Group: gsdfb.omnisam.com.au Follow on Facebook: facebook.com/sallysparkscousins Watch the Live Stream & Subscribe for More Updates: OmniSAM YouTube: youtube.com/@omnisamsoftware Sally Sparks-Cousins YouTube: youtube.com/@sallysparkscousins

When it comes to pricing your coaching services, it's hard to know if you are charging too much, or if you are undercharging. Putting pieces together isn't easy. If you charge too much, no one will buy, and you won't make any sales if you charge too little. Listen to this episode wherein Sally talks about knowing how to charge your clients as coach.   Stay Connected & Get Exclusive Access: Join the Private OmniSAM Community: omnisam.com.au/gsdgroup Facebook Group: gsdfb.omnisam.com.au Follow on Facebook: facebook.com/sallysparkscousins Watch the Live Stream & Subscribe for More Updates: OmniSAM YouTube: youtube.com/@omnisamsoftware Sally Sparks-Cousins YouTube: youtube.com/@sallysparkscousins

Created by Vince Gilligan, PLURIBUS imagines a world that has been taken over by... kindness. After an alien outbreak leads to a global pandemic, humanity fall into a sense of communal bliss. Well... not everyone.  There are still a small number of humans -- like Carol -- who are immune to this submissive bliss. Now, Carol and the smallest fraction of the human race must decide if they will join forces to defeat their foes or simply give in and join the new collective. In this 1on1, we speak to stars Karoline Wydra and Carlos Manuel Vesga about what it means for their characters to 'put the world right'.PLURIBUS is now streaming on Apple TV+.

Even Davinci Jeremie Putting Out “Sky Is Falling” #Bitcoin Predictions; Bitcoin Loses 10% Hashrate; JPMorgan Launching New Yield Fund #Crypto #Cryptocurrency #podcast #BasicCryptonomics  Website: ⁠⁠⁠⁠https://CryptoTalk.FM Facebook: ⁠⁠⁠⁠@ThisIsCTR⁠⁠⁠⁠ Discord:⁠⁠⁠⁠ @CryptoTalkRadio⁠⁠⁠⁠ Chapters (00:00:01) - Crypto Talk Radio(00:01:30) - DaVinci Jeremy's Crypto Prediction(00:08:27) - DDoS Attack on Solana Chain(00:10:21) - One Wallet Dumps $1 Billion in XRP(00:12:05) - Don't Get Jumped On Bitcoin's Crash(00:14:38) - Do Rug Pull Should You Defend Him?(00:19:05) - Another Anonymous Tip About Block Dag

GS#458 October 14, 2014 Do you think you're struggling to lower your scores because of your swing? Putting? Short Game? Indian Valley Golf Course Head Professional Steven Snyder may surprise you with his answers, but after teaching for over 30 years, he's seen it all and knows why we are so frustrated.This episode is brought to you by Warby Parker with over 300+ locations to help you find your next pair of glasses. You can also head over to warbypaker.com/golfsmarter right now to try on any pair  virtually!This episode is sponsored by Indeed. Please visit indeed.com/GOLFSMARTER and get a $75 SPONSORED JOB CREDIT. Terms and conditions apply.This episode is sponsored by HIMS. Start  your free online visit today HIMS.com/golfsmarter and received personalized ED treatment options. If you have a question about whether or not Fred is using any of the methods, equipment or apps we've discussed, or if you'd like to share a comment about what you've heard in this or any other episode, please write because Fred will get back to you. Either write to golfsmarterpodcast@gmail.com or click on the Hey Fred button, at golfsmarter.com

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It's Tuesday, December 16th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Chinese Communists arrested 18 pastors over evangelism online Chinese Pastor Ezra Jin and 17 other pastors have been arrested by Chinese Communist authorities on charges of using illegal information networks. Translation? Putting the Gospel message on Zoom is now illegal in China.   The pastors are facing three years in prison.   A pastor's wife described the situation on the Christian Broadcasting Network. WIFE: “China opened the door for the Western society and then grow their economy. I grew up from that period of time. So, I thought we weren't gonna be put in jail because of our Christianity or our faith.” Chinese officials convicted liberty advocate Jimmy Lai Not surprisingly, those Chinese communists have convicted Hong Kong's pro-liberty advocate, Jimmy Lai, with conspiracy to collude with foreign forces. It's a charge that could put him in prison for life. This was the highest profile case since Hong Kong was turned over to the communists in 1997, and Hong Kong's democratic elections halted in 2020. China to eliminate out-of-pocket expenses for childbirth China is planning to eliminate all out-of-pocket medical costs for childbirth with the hopes of encouraging more births. China's fertility rate is dismal, hovering around 1.0. In fact, Chinese deaths have outnumbered births for three years in a row now. The countries with the lowest fertility rates in the world are Hong Kong, China, Taiwan, South Korea, Singapore, Ukraine, and Chile. Two Muslim men killed 16 Jews in Sydney, Australia On Sunday, two Muslim men, a father and son, have been identified as suspects in the killings of 16 people at a Jewish celebration of Hannukah in Sydney, Australia on Bondi Beach, reports the Associated Press. That's the worst mass shooting in Australia since the Port Arthur massacre of 1996 where 35 people were killed and 23 were injured. Providentially, a bystander of Muslim background, 43-year-old Syrian fruit shop owner, Ahmed Al-Ahmed, happened on the scene. He tackled and disarmed one of the gunmen during the deadly massacre, preventing further carnage.  Ahmed was shot in the shoulder and arm while hiding behind a tree after confronting the gunman. Australia's Prime Minister Anthony Albanese is promising “tougher gun laws” in response. Actor Rob Reiner and wife allegedly killed by son Director and actor Rob Reiner and his wife Michele were found dead Sunday, apparent victims of foul play at their home in Los Angeles, reports The L.A. Times. Sadly, Rob Reiner was an atheist, as was his father, Carl Reiner — another famous movie director.   Rob Reiner will be best remembered in the political realm for his leftist views, especially in his opposition to California's Proposition 8, and efforts to introduce homosexual marriage to the state and the country. At last report, Rob and Michele's son Nick, age 32, has been taken into custody by the Los Angeles Police Department, charged with the murder of his parents. He has a long history of drug addiction. Exodus 21:15 speaks to this sort of crime, as do Jesus's words in Matthew 15:4: “And he who strikes his father or his mother shall surely be put to death.” Little Sisters of the Poor vs. Obamacare continues After 14 years, Little Sisters of the Poor, comprised of Roman Catholic nuns, continues to object to the Obamacare mandate to provide coverage for abortifacients for their organization.    Back on July 8, 2020, the Supreme Court ruled 7–2 in favor of the Little Sisters, upholding federal rules that exempted religious organizations from the contraceptive mandate. But now, Pennsylvania and New Jersey have refused to drop their efforts to take away the Little Sisters' protection in the lower courts. Last August, a rogue federal district court in Philadelphia ruled against the Little Sisters and vacated the religious exemption rules that had protected them.  The case is in appeal to the Third Circuit Court. Bill Clinton unresponsive to Congressional subpoena over Epstein GOP House Oversight Committee Chairman James Comer announced he will initiate contempt of Congress proceedings against Bill and Hillary Clinton. At issue is the Clintons' decision to ignore the committee's subpoenas issued back in August, in relation to investigations of the Jeffrey Epstein sex trafficking scandal. Epstein visited the White House 17 times in 1993 after Bill Clinton's inauguration. Artificial Intelligence: Time Magazine's “Person of the Year” Time Magazine's Person of the Year goes to Artificial Intelligence or rather, the architects of AI. Spending on Artificial Intelligence development has increased from $40 billion to $400 billion in just the last ten years.  Nvidia's stock has increased 60-fold, while Microsoft and Alphabet, Inc. have increased 7-fold over the same timeframe. Kirk Cameron advocates unbiblical theology of annihilationism Actor and Christian celebrity Kirk Cameron suggested in his recent podcast that hell is not forever — a departure from the long-held position of an eternal punishment for those who do not trust Christ, reports The Christian Post. CAMERON: “Eternal judgment or eternal punishment doesn't necessarily mean that we are being tormented and punished forever and ever, every moment for eternity. It means that the punishment we deserve is irreversible. It's permanent; it's eternal. You're dead. You've been destroyed. You have perished. You're gone, and you're never coming back.” This theological position is called annihilationism, a belief that all damned humans and fallen angels – including demons and Satan -- will be totally destroyed and their consciousness extinguished. CAMERON: “I actually think this is a really good argument for annihilationism. Just because the righteous go to eternal life, which is the gift of God, not that the wicked are granted an eternity of punishment. The punishment of the wicked is final. It is irreversible.” Rev. Al Mohler, President of Southern Baptist Theological Seminary in Louisville, Kentucky, called the admission “sad.” And in his words: “The admonition to confess Christ or risk non-existence just doesn't pass the New Testament test, and there is a good reason it doesn't work in a sermon either. The stakes are just too low, and the fires of hell hold no eternal consequence.” At the final judgment, as recorded in Matthew 25: 41-43, Jesus said to those on His left hand: “Depart from Me, you cursed, into the everlasting fire prepared for the devil and his angels: for I was hungry and you gave Me no food; I was thirsty and you gave Me no drink; I was a stranger and you did not take Me in, naked and you did not clothe Me, sick and in prison and you did not visit Me.' … And these will go away into everlasting punishment, but the righteous into eternal life.” Imprisoned fathers reunited with daughters at dance And finally, the “God Behind Bars” organization links local churches to prisons, and reunites families, especially children with their incarcerated parents or grandparents.   This Christmas season, the organization sponsored its first Father-Daughter Dance at the Angola Louisiana State Penitentiary.    Twenty-nine fathers were reunited with their daughters that night, many of whom had not seen their daughters for years — some over a decade. The ministry calls these events "moments of restoration … and the Gospel in motion." Close And that's The Worldview on this Tuesday, December 16th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Seth and Sean talk with Audacy NFL Insider Ross Tucker about the Texans and Sean's usage of the word 'collateral,' and discuss if DeMeco Ryans has an actual shot at winning Coach of the Year.

Christi explores how to pursue joy by answering the following questions: What are misconceptions people have about joy? What are things that can hinder our joy? And what are ways that God pours joy into our heart? Website: smilingatthefuturepodcast.com Email: smilingatthefuturepodcast@gmail.com Support The Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://donorbox.org/smiling-at-2024⁠

Ever feel like building a godly home is overwhelming? You're not alone. In this episode, we uncover the very first step to creating a home that stands strong—starting with the right location. Deciding where to put a dream house is the most important part of the design process. Putting so much effort into creating a great home only to realize later it was built in the wrong place can shatter any hopes we have for a strong family. This week is the first in my Kitchen Table series called Blueprints to Building Your Spiritual Dream Home. These episodes are based on the award-winning blog series I wrote several years back that I believe are even more important in today's culture. But there's one episode that is really the starting point for this series and you'll find it on my home page when you click the Open Your Blueprint button. Listen and begin your journey toward peace, purpose, and a lasting legacy. Watch on YouTube How to Build a Godly Home: Choosing the Right Location with Carol Roper  

On this week's episode of the Massively OP Podcast, Bree and Justin talk about Ashes of Creation's early access launch, EverQuest II's latest expansion, The Game Awards, Diablo IV's next expansion, FFXIV's latest content update, and news on Spirit Crossing's release window. It's the Massively OP Podcast, an action-packed hour of news, tales, opinions, and gamer emails! And remember, if you'd like to send in your question to the show, use this link. Show notes: Intro Adventures in MMOs: LOTRO, WoW, GW2, awards Ashes of Creation launches into early access EverQuest II: Rage of Cthurath releases The Game Awards news -- including Diablo IV: Lord of Hatred Final Fantasy XIV Patch 7.4: Into the Mist comes out Spirit Crossing is coming next year Outro Other info: Podcast theme: "Winter's Warm Boughs" from FFXIV Your show hosts: Justin and Bree Listen to Massively OP Podcast on iTunes, Stitcher, Player FM, TuneIn, iHeartRadio, Pocket Casts, Amazon, and Spotify Follow Massively Overpowered: Website, Twitter, Facebook, Twitch If you're having problems seeing or using the web player, please check your flashblock or scriptblock setting.

“Keeping all of your money in your bank account is actually more risky than it is safe.” Jaspreet breaks down why parking piles of cash in a bank gets eaten by inflation—especially as rates get cut—and shows exactly how much to keep in cash vs. what to move into assets. You'll learn the difference between cash vehicles (HYSA, CDs, Treasuries) and assets (stocks, real estate, gold, crypto), how to set up separate accounts for emergencies, big purchases, and investable cash, and the simple passive/active strategies to actually grow wealth. What You'll Learn The problem with low-yield savings when inflation is higher How much to keep in cash (and where to keep it) for: Emergency fund (3–12 months of expenses) Big purchases (house/car/vacation) “Dry powder” for investing Cash options vs. protection basics (bank accounts, CDs, HYSAs, Treasuries, Treasury ETFs) Asset options to outpace inflation (stocks, real estate; plus how gold/crypto/startups fit) Investing approaches: Passive: ABB: Always Be Buying (index/ETF habit) Active: research-led buys while idle cash earns interest Chapters 00:00 Hook: Why big bank balances lose you money 01:18 Cash vs. assets (and why cash isn't an “investment”) 04:05 Rates, inflation, and your real return 07:20 Where to park cash: HYSA, CDs, Treasuries, ETFs 10:42 The 3 reasons to save (emergency, big purchase, invest) 14:50 How much is enough: 3–12 months explained 18:22 Passive vs. Active investing (ABB + research) 22:10 Putting it together: your cash + investing game plan 25:30 Final word & resources Keywords: how much cash to keep, emergency fund 3 to 12 months, high yield savings vs treasury, cash vs assets, beat inflation 2025, ABB always be buying, passive vs active investing, index funds VTI SPY QQQ, treasury ETF basics, inflation and savings, Minority Mindset #personalfinance #investing #inflation #savings #wealthbuilding #MinorityMindset Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

From Pony.ai launching a robo-taxi service during a Shanghai storm to E Ink revolutionising the way supermarkets label their shelves – emerging market companies are in many cases leapfrogging western counterparts. In this episode, investment manager Alice Stretch reveals to host Leo Kelion some of the most disruptive companies innovating at speed in Asia and Latin America. Background:Alice Stretch is an investment manager in Baillie Gifford's Emerging Markets Equity Team. In this conversation, recorded as part of our annual Disruption Week briefings, she explores some of the growth companies in her portfolios turning constraints to their advantage and reducing friction in their customers' lives. Companies discussed include: PolicyBazaar – the Indian insurance platform making it easier for people to protect themselves against life's financial shocks.Nubank – the Brazilian digital lender extending access to banking and credit.Meituan – the food delivery and local services app extending its reach beyond China.MercadoLibre – the Latin American ecommerce and fintech giant expanding into advertising.Mobile World – the Vietnamese conglomerate that has expanded from mobile phones to competitively priced groceries.Sea Ltd – the Singaporean gaming, shopping and fintech group eyeing the possibilities of agentic AI.TSMC (Taiwan Semiconductor Manufacturing Company) – the world's leading chip manufacturer.E Ink – the Taiwanese e-paper pioneer building on its ebook success to provide supermarkets with updateable price tags and marketers with low-power digital billboards.Pony.ai – the first driverless car company to offer a robo-taxi service in four of China's most populous cities. Resources:Disruption Week Emerging markets: how we do what we doEmerging markets: from imitators to innovatorsEmerging markets: the next engines of growth (podcast)Emerging markets in 2050: growth in a changing worldImecShort Briefings on Long Term Thinking hub Companies mentioned include:AmazonByteDanceChromaE InkMercadoLibreMobile WorldMeituanNubankNVIDIAPolicyBazaarPony.aiSea LtdStellantisTSMC Timecodes:00:00  Introduction – Pony.ai takes to Shanghai's roads02:00  The imitators become the innovators05:10   How PolicyBazaar benefits from not being locked into a legacy system 07:10   Nubank: reducing friction while expanding access to banking and credit09:25  MercadoLibre's multi-act expansion leads it to advertising technology10:25   Mobile World's move from selling handsets to groceries11:50   Ways Sea Ltd developed capabilities while operating under constraints13:45   Sea CEO Forrest Li's ability to adapt and pivot15:25   Taking the long-term view and a generalist approach17:30   Studying the semiconductor industry with the help of Imec and TSMC19:45   Investing in Chroma and E Ink in Taiwan21:10   Walmart and other supermarkets adopt E Ink's updateable price labels22:45  The case for investing in Pony.ai as a long-term growth investor24:10   Pony.ai's cost advantage and international partnerships25:55  Taking macroeconomic and geopolitical risk into account27:15   Putting deep knowledge and research to our clients' advantage

We do have choices to control the pressure we are under.

Allen, Joel, and Yolanda recap the UK Offshore Wind Supply Chain Spotlight in Edinburgh and Great British Energy’s £1 billion manufacturing push. Plus Ørsted’s European onshore wind sale, Xocean’s unmanned survey tech at Moray West, and why small suppliers must scale or risk being left behind. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! You are listening to the Uptime Wind Energy Podcast brought to you by build turbines.com. Learn, train, and be a part of the Clean Energy Revolution. Visit build turbines.com today. Now, here’s your host. Allen Hall, Joel Saxon, Phil Totaro, and Rosemary Barnes. Allen Hall: Welcome to the Uptime Wind Energy Podcast. I’m your host Allen Hall in Charlotte, North Carolina, the Queen City. I have Yolanda Pone and Joel Saxon back in Austin, Texas. Rosemary Barnes is taking the week off. We just got back from Scotland, Joel and I did, and we had a really great experience at the UK offshore wind supply chain spotlight 2025 in Edinburgh, where we met with a number of wind energy suppliers and technology advocates. A Joel Saxum: lot going on there, Joel. Yeah. One of the really cool things I enjoyed about that, um, get together the innovation spotlight. [00:01:00] One, the way they had it set up kind of an exhibition space, but not really an exhibition. It was like just a place to gather and everybody kind of had their own stand, but it was more how can we facilitate this conversation And then in the same spot, kind of like we’ve seen in other conferences, the speaking slots. So you could be kind of one in ear, oh one in year here, listening to all the great things that they’re doing. But having those technical conversations. And I guess the second thing I wanted to share was. Thank you to all of the, the UK companies, right? So the, all the Scottish people that we met over there, all the people from, from England and, and around, uh, the whole island there, everybody was very, very open and wanting to have conversations and wanting to share their technology, their solutions. Um, how they’re helping the industry or, or what other people can do to collaborate with them to help the industry. That’s what a lot of this, uh, spotlight was about. So from our, our seat, um, that’s something that we, you know, of course with the podcast, we’re always trying to share collaboration, kind of breed success for everybody. So kudos to the ORE [00:02:00] Catapult for putting that event on. Allen Hall: Yeah, a big thing. So, or Catapult, it was a great event. I’ve met a lot of people that I’ve only known through LinkedIn, so it’s good to see them face to face and. Something that we’ve had on the podcast. So we did a number of podcast recordings while we’re there. They’ll be coming out over the next several weeks, so stay tuned for it. You know, one of the main topics at that event in Edinburg was the great British Energy announcement. This is huge, Joel. Uh, so, you know, you know, the United Kingdoms has been really pushing offshore wind ambitions for years, but they don’t have a lot of manufacturing in country. Well, that’s all about the change. Uh, great British energy. Which is a government backed energy company just unveiled a 1 billion pound program called Energy Engineered in the uk, and their mission is pretty straightforward. Build it in the uk, employ people in the uk, and keep the economic benefits of the clean energy transition on British soil. 300 million pounds of that is really [00:03:00] going to be focused on supply chain immediately. That can happen in Northern Ireland, Scotland, Wales, and England. It’s a big promotion for the UK on the wind energy side. I see good things coming out of this. What were your thoughts when you heard that Joel Saxum: announcement, Joel? The offshore wind play. Right. It’s like something like this doesn’t happen to economies very often. Right. It’s not very often that we have like this just new industry that pops outta nowhere. Right. We’re, we’re not making, you know, it’s like when, when. Automotive industry popped up in the, you know, the early 19 hundreds. Like that was this crazy new thing. It’s an industrial revolution. It’s all this new opportunity. So offshore wind in, in my idea, same kind of play, right? It’s this new thing or newer thing. Um, and as a government, um, coming together to say, Hey, this is happening. We have the resources here. We’re gonna be deploying these things here. Why would we not take advantage of building this here? I mean. Any politician that says I’m bringing jobs or I’m bringing in, you [00:04:00] know, um, bringing in funds to be able to prop up an industry or to, uh, you know, start a manufacturing facility here or support an engineering department here, um, to be able to take advantage of something like this. Absolutely right. Why offshore this stuff when you can do it Here, you’ve got the people, you have the engineering expertise. It’s your coastline. You’ve operated offshore. You know how to build them, operate ’em, all of these different things. Keep as much of that in-house as you can. I, I mean, we’ve, we’ve watched it in the US over the last few years. Kind of try to prop up a supply chain here as well. But, you know, with regulations and everything changing, it’s too risky to invest. What the, it looks like what the UK has seen over there is, well, we might as well invest here. We’ll throw the money at it. Let’s, let’s make it happen on our shores. The Allen Hall: comparison’s obvious to the IRA Bill Yolanda and the IRA bill came out, what, A little over two years ago, three years ago, roughly. We didn’t see a lot of activity [00:05:00] on the manufacturing side of building new factories to do wind. In fact, there was a lot of talk about it initially and then it. It really died down within probably a year or so. Uh, you know, obviously it’s not a universal statement. There were some industries model piles and some steelworks and that kind of thing that would would happen. But sometimes these exercises are a little treacherous and hard to walk down. What’s your thoughts on the UK government stepping in and really. Putting their money where the mouth is. Yolanda Padron: I think it’s, I mean, it’s, it’s great, right? It’s great for the industry. It’ll, it’ll be a great case, I think, for us to look at just moving forward and to, like you said, government’s putting their money where their mouth is and what exactly that means. You know, not something where it’s a short term promise and then things get stalled, or corporations start looking [00:06:00] elsewhere. If every player works the way that they’re, it’s looking like they’re going to play right now, then it, it could be a really good thing for the industry. Allen Hall: Well, the, the United States always did it in a complicated way through tax policy, which means it runs through the IRS. So any bill that passes Congress and gets signed by the president, they like to run through the IRS, and then they make the tax regulations, which takes six months to 12 months, and then when they come out, need a tax attorney to tell you what is actually written and what it means. Joel, when we went through the IRA bill, we went through it a couple of times actually, and we were looking for those great investments in new technology companies. I just remember seeing it. That isn’t part of the issue, the complexity, and maybe that’s where GB Energy is trying to do something different where there’s trying to simplify the process. Joel Saxum: Yeah. The complexity of the problem over here is like that. With any. Business type stuff, right? Even when you get to the stage of, um, oh, this is a write off, this is this [00:07:00] for small businesses and those things, so it’s like a delayed benefit. You gotta plan for this thing. Or there’s a tax credit here, there. Even when we had the, um, the electric vehicle tax credits for, uh, individuals, right? That wasn’t not something you got right away. It was something you had to apply for and that was like later on and like could be. 15 months from now before you see anything of it. And so it’s all kind of like a difficult muddy water thing in the i a bill. You’re a hundred percent correct. Right. Then we passed that thing. We didn’t have the, the rules locked down for like two years. Right. And I remember we had, we had a couple experts on the podcast talking about that, and it was like, oh, the 45 x and the 45 y and the, the C this and the be that, and it was like. You needed to have a degree in this thing to figure it out, whereas the, what it sounds like to me, right, and I’m not on the inside of this policy, I dunno exactly how it’s getting executed. What it sounds like to me is this is more grant based or, and or loan program based. So it’s kinda like, hey, apply and we’ll give you the money, or we’ll fund a loan that supports some money of with low interest, zero [00:08:00] interest, whatever that may be. Um, that seems like a more direct way, one to measure ROI. Right, and or to get things done. Just just to get things done. Right. If someone said, Hey, hey, weather guard, lightning Tech. We have a grant here. We’d like to give you a hundred grand to do this. Or it was like, yeah, if you put this much effort in and then next year tax season you might see this and this and this. It’s like, I don’t have time to deal with that. Yolanda Padron: Yeah. We might also just change the rules on you a little bit, and then maybe down the line we’ll see where we go. Yeah. It does seem like they’re, they’re setting up the dominoes to fall in place a bit better. This way. Yeah, absolutely. Joel Saxum: That’s a, that’s a great way to put it, Yolanda. Let’s setting up the dominoes to fall in place. So it’s kinda like, Hey. These are the things we want to get done. This is what we wanna do as an industry. Here’s a pool of money for it, and here’s how you get access to it. Allen Hall: A lot’s gonna change. I remember, was it a couple of months ago, maybe, maybe a year ago, time flies guys. Uh, we were just talking about. That on the way home from [00:09:00]Scotland, like how many people have had in the podcast? It’s a lot over 60 have been on the podcast as guests. Uh, one of the people we want to have on is, uh, Dan McGrail, who’s the CEO of Great British Energy because, uh, we had talked about with Rosemary the possibility of building turbines all in. The uk, they have blade factories. All this stuff is doable, right? They have technology. This is not complicated work. It just needs to be set up and run. And maybe this is the goal is to just run, it may maybe not be OEM focused. I I, that’s what I’m trying to sort through right now as, is it vestas focused? Is it GE focused? Is it Siemens Keesa focused? Is there a focus or will these turbines have GB energy? Stamped on the side of them. I would Joel Saxum: see love to see support for sub-component suppliers. Yeah, I would too. Yeah. The reason being is, is like that’s, that’s more near and dear to my heart. That’s what [00:10:00] I’ve done in my career, is been a part of a lot of different, smaller businesses that are really making a difference by putting in, you know, great engineering comes from small businesses. That’s one of my, my things that I’ve always seen. It seems to be easier to get things done. In a different way with a small business than it does to engineering by committee with 50 people on a team faster, sometimes better. Uh, that’s just my experience, right? So I would like to see these smaller businesses propped up, because again, we need the OEMs. Yes, absolutely. But also spread it around, right? Spread the wealth a little bit. Uh, you know, a, a factory here, a factory there, a engineering facility here. The, uh, you know, an execution plant here. Some things like that. I would love to see more of these kind of, uh, spread around like the, like GB energy’s money spreads around, like fairy dust. Just kind of plant a little here, plant a little in this city, make a little here, instead of just lumping it to one or lumping it into one big, um, OEM. And that doesn’t necessarily [00:11:00] have to be an OEM, right? It could be a blade manufacturer that I’m talking about, or. Or a big, big gearbox thing or something like that. We need those things, and I, I’m all for support for them, but I just don’t think that all of its support should go to them. Speaker 7: Australia’s wind farms are growing fast, but are your operations keeping up? Join us February 17th and 18th at Melbourne’s Poolman on the park for Wind Energy o and M Australia 2026, where you’ll connect with the experts solving real problems in maintenance asset management. And OEM relations. Walk away with practical strategies to cut costs and boost uptime that you can use the moment you’re back on site. Register now at W OM a 2020 six.com. Wind Energy o and m Australia is created by Wind Professionals for wind professionals because this industry needs solutions, not speeches. Allen Hall: If you haven’t booked your tickets to Wind Energy o and m Australia 2026, you need to be doing [00:12:00] that. Today, uh, the event is on February 17th and 18th in Melbourne, Australia. Uh, we’ll have experts from around the world talking everything o and m, and there’s so many good people are gonna be on the agenda, Joel, and a lot of big companies sponsoring this Joel Saxum: year. Allen Hall: You want to give us a highlight? Joel Saxum: Yeah, so like you said, Alan, we have a ton of sponsors going to be there and, and I’d like to say the sponsors. Thank you ahead of time. Of course. Right. We’re, we’re, we’re super excited for them to get involved because as we’ve put this event together. We’re trying to do this no sales pitches, right? So we wanna do this, not pay to play. We want people here that are going to actually share and learn from each other. And the sponsors have been kind enough to get on board with that message and follow through with it. So, like our lead industry sponsor Tilt, uh, Brandon, the team over there, fantastic. Um, they have, they’re, they’re the, their key sponsor here and they’re supporting a lot of this. So the money’s going to applying in experts from all over the [00:13:00] world, putting this thing together. Uh, so we have an, uh. A forum to be able to talk at, uh, C-I-C-N-D-T. From here in the States, uh, we’ve got Palisades, who’s another operator in the, uh, Australian market, uh, rig com. ISP over there doing blade work and it just keeps rolling down. We’ve got squadron on board, squadron’s gonna do one of the coffee carts. Um, so I know that we’ve got a limited bit of tickets left. I think we are 250 in the venue and that’s what the plan is. I think we’re sitting at about half of that leftover. Allen Hall: Yeah, it’s getting close to running out. And I know in Australia everybody likes to purchase their tickets at the last minute. That’s great. And but you don’t wanna miss out because there is limited seating to this event. And you wanna go to WMA w om a 2020 six.com. Look at all the activities. Book some tickets. Plan to book your travel if you’re traveling from the United States or elsewhere. You need a couple of weeks [00:14:00]hopefully to do that ’cause that’s when the airline prices are lower. If you can book a a couple of weeks ahead of time. So now’s the time to go on Woma 2020 six.com. Check out the conference, get your tickets purchased, start buying your airline tickets, and get in your hotel arranged. Now’s the time to do that. Well, as you know, war has been selling off pieces of itself after setbacks in the America market. Uh, sounds like two heavyweight bidders are looking for one of those pieces. Copenhagen Infrastructure Partners and ENG G are allegedly competing for Seds European. Onshore Wind business, a portfolio valued at roughly 1 billion euros. Supposedly the bids are gonna be due this week, although nothing is certain in a billion dollar deals. This is a little bit odd. I understand why Stead is doing it, because they’re, they’re trying to fundraise, but if they do this. They will be essentially European offshore wind only [00:15:00] with some American onshore and a little bit American offshore. Not much. Uh, that will be their future. Are they gonna stay with America one onshore or, and American offshore? Is that a thing? Or they just could, could be all European offshore wind. Is that where Osted is headed? It’s a complicated mix because, you know, they’re, they’re, they’ve negotiated a couple of other deals. Most recently to raise cash. They’re supposedly selling, uh, another set of wind farms. I dunno how official that is, but it’s, it seems like there’s some news stories percolating up out there trying to raise more cash by selling large percentages of offshore wind farms. Where does Joel Saxum: this all end? I don’t know. The interesting thing is like if you looked at Ted, uh, man, two years ago, like if you Googled anything or used a jet, GPT or whatever it was like, gimme the. Three largest wind operators in the world. They were the top three all the time. Right. And, and most valuable. At one point in time, they were worth like, [00:16:00] uh, I don’t wanna say the wrong number, but I, I thought, I thought 25 billion or something like that. They were worth. ATS at one point in time. Market share. Allen Hall: Yeah, Joel Saxum: I think that seems right. So like they, they were huge and it just seems like, yeah, they’re trying to survive, but in survival mode, they’ve just kind, they’re just dwindling themselves down to being just o just a small offshore company. And, or not small, but a small, just a, just a siloed offshore company. A large offshore company. Yeah. Yeah. But I mean, like, even just, there was, there’s another article, um. Today we’re, we’re talking here, CIP and Engie looking to buy their European onshore business. They’ve also are putting up like, uh, was it greater Ang of four in Taiwan for, for sale as well. So, I mean, like you said, where does it stop? I don’t know. Um, CIP is an interesting play. Uh, an Eng, CIP and Engie kind of battling this one out ’cause the CIP management team is a bunch of ex or said people, so they know that play very well. Um, ENGIE of course, being a big French [00:17:00] utility. So that one will sell, right? They’re, their European offshore or onshore assets will be gone shortly. Uh, they’ll be sitting with a bunch of offshore assets that they own and partially own around the world. Uh, and of course their, their, I think their US onshore fleet is about a gigawatt, maybe a and a half. Um, that could be the next domino to fall. You don’t, I, sorry, Yolanda, I used your, your, your, uh, euphemism from before, but, um. That they’re actively parting ways with some stuff. I don’t know when it stops. Allen Hall: It is odd, right? EOR has basically stopped a lot of renewables. Stat Craft has pulled back quite a bit. Another Norwegian company. A lot of the nor Northern European companies are slowing down in wind altogether, trying to stick to onshore for the most part. Offshore will still be developed, but just not at the pace that it needed to be developed. There is a lot of money moving around. Billions [00:18:00] and billions of, of euros and dollars moving. And I guess my, my thought is, I’m not sure from a market standpoint where Orid is headed, or even Ecuador for that matter, besides maybe moving back into oil and gas. They never really left it. The direction of the company is a little unknown because these, uh, news articles about sales. Are not really prefaced, right? It’s just like, all right, Taiwan, we’re selling more than 50% of the projects in Taiwan. We’re out, we’re selling European onshore pow, which there’d been some rumors about that, that I had heard, but nothing was really locked in, obviously, until you really start seeing some reliable news sources. Copenhagen Infrastructure Partners is an interesting play just because it kind of keeps it. Up in Denmark and not in France with Engie. That’s what I’m, in my [00:19:00] head. I’m thinking Sted is not likely to sell it to Engie just because they’re French. This is a national, uh, security issue for Denmark Sted. Is it, I I how Engie is involved in this maybe to help set a, a baseline of what the valuation is so that CIP can then purchase it. Do you see CIP losing this, Joel? Joel Saxum: No, I don’t think so. I think, yeah, I think CCIP has to land with this one and, and CI P’s been building a portfolio quietly, building a, not, I guess not quietly, they’ve been building a portfolio for the last few years. It’s pretty stout, uh, pretty fairly sizable. Right? And it, it’s an interesting play watching this for me because you, you see all these people kind of rotating out. And it, and it has to do with the, the, in my opinion, it has to do with the macroeconomics of things, right? Once, when you develop something and you get through, like in, into the teething pain cycle and all that kind of stuff. [00:20:00] The asset is not designed to have a 50, 70%, you know, margin, right? That’s not how wind works. Wind, wind operates of small margins and a lot of times in the early, a early stages of a project, you end up running into issues that eat those margins away. So when you’re talking about small margins, they’re six to 10% is what you kind of see. Um, and it’s pretty easy to eat away a 6% or a 10% margin. If you have some kind of serial defect you have to deal with, uh, or that, that the OEM’s fighting you on and, and you know, whether or not they take responsibility for it or you have to pay for it. A lot of times those processes can drag out for 12, 24, 36 months until you get made whole. So the early state, the first, you know, five years of a lot of these projects, five to eight years, are very expensive. And then once you get through kind of those things and the thing starts just chugging. Then you actually are starting to make money, and that’s where CIP P’S buying these assets is in that years after it’s gone through its teething pains and the company that developed it is like, man, [00:21:00] we need to get outta this thing. We’ve just been burning through cash. Then CI P’s kinda swooping in and grabbing ’em. And I think that this is another one of those plays. Allen Hall: So they’re gonna live with a smaller margin or they’re gonna operate the assets differently. Joel Saxum: The assets may be being operated better now than they were when they started, just in that, in, they exist, the starting company simply because the, some of the issues have been solved. They’ve been sorted through the things where you have early, early failures of bearings or some stuff like the early fairings of gearboxes. Those things have been sorted out, so then CIP swoops in and grabs them after the, the teething issues that have been gone. Allen Hall: Does evaluation change greatly because of the way horse did, manages their assets? Up or down? Joel Saxum: I would say generally it would go up. Yeah. I don’t necessarily think it’s dependent on o and m right now. I think it’s just a, it’s a time to buy cheap assets, right? Like you see, you see over here in the States, you see a lot of acquisitions going on. People divesting, they’re not divesting because they’re like, oh, we’re gonna make a ton of money off this. They may need the cash. They’re [00:22:00] divesting in, in, um, what’s the term, like under duress? A lot of them, it may not look like it from the outside in a big way, but that’s kind of what’s happening. Yolanda Padron: Yeah, I think it’ll be really interesting to see, uh, you know, there were a lot of layoffs in Ted and Europe as well, so seeing if maybe some of the people who can make those assets perform better. Come back just with a different t-shirt on. Allen Hall: As wind energy professionals staying informed is crucial, and let’s face it difficult. That’s why the Uptime podcast recommends PES Wind Magazine. PES Wind offers a diverse range of in-depth articles and expert insights that dive into the most pressing issues facing our energy future. Whether you’re an industry veteran or new to wind, PES wind has the high quality content you need. Don’t miss out. Visit PES wind.com today in this quarter’s, PES Wind Magazine, which you can download a copy at PES [00:23:00] wind.com. There’s an article by Xan and they were, uh, contracted by Ocean Winds to evaluate the sea floor from. The sea floor at Moray West, which is way, way, way up north on the northern end of Scotland. A pretty rough area, Joel. And, but what ex Ocean did was they used unmanned survey equipment to monitor the ocean floor where the mono piles were gonna replace for the Moey West Wind Farm. That is a really difficult area to operate any sort of boat, but. Uh, the reason we’re doing this remotely unmanned was that it, it gave them sort of a, a less costly way to get high resolution images of the sea bottom. This is interesting because ocean wind was developing more a West apparently hadn’t used anything like this before, but the results, at [00:24:00] least from what I can see in PS win, look Joel Saxum: great. Yeah. This is a technology that’s been, um. Man, it’s been under development by a lot of companies in the last six, eight years. And now it’s starting to get to the point where it is, I mean, we’re, we’re TRL nine plus, right? There’s a lot of these solutions out there that are commercially ready. Xans been a top of this list since, man, since I was playing in that oil and gas world, to be honest with you. Like 20 18, 20 17, uh, really cool looking boats. That’s besides the point. Uh, but when they show up at trade shows and stuff with ’em, you’re like, ah, oh, that thing’s neat looking. Um, but it, it, it, it solves all kinds of problems, right? So when you go offshore and you’re just gonna do, say you’re just gonna go out there and do multibeam, so you’re just gonna do echo sound where you’re just looking to see depths and what’s on the sea floor. The minimum kind of vessel you need for that is 10 to 15 meters long. You need probably two to six people on that vessel. And that’s just, if you’re going out doing shift work, if you’re staying out there [00:25:00] and working 24 7, that vessel grows to. 30 meters instantly, right? So now you’re burning thousands and thousands of dollars in fuel. You’ve got food on board. You got all, it’s just a pain to put this vessel out there. You take all of those people out of harm’s way. You take all the costs away and they, and you put two of them, or one or two of them on shore in a facility, and then you put this three meter vessel out there that’s fully autonomous. No people, but collects the same style of data. I mean, it’s a no brainer, right? So you’re getting the same style of data and if, and the thing’s working 24 7, there is no need to have someone sleep. There’s a not a technician issue. There’s not, none of this is, is a problem anymore. Nobody’s getting seasick, right? So you’re sitting, you’re, you’re sitting back on shore, uh, going to work, uh, with no PPE on, um, having a, having a coffee from Starbucks down the street. And you’re running this thing 24 7, you’re collecting all [00:26:00] that fantastic data. Uh, it is just, like I said, it’s a no brainer. Now, now they’re getting to the stage where they’re putting ’em out as swarms, so you can cover whole fields. You’re doing live cable inspections. It’s, it’s pretty fantastic. So Exo ocean’s really making the next generation of robotics o offshore. Allen Hall: Yeah. And that’s gonna drive down the cost of energy. These kind of developments make huge strides in lowering costs, and this is why you need to read PES Win Magazine. So there’s a. Great articles all throughout the magazine. This quarter’s issue is, is Heavy with articles. Get your free copy@pswin.com today. As you know, in the wind industry, survival has always belonged to those who can keep up, uh, and Sorn freeze. Nuon knows better than most with his decades of experience at LM Wind Power and Uzon. He now chairs two Danish subcontractors, Polytech and Jupiter. Bach. Uh, his message to smaller suppliers in, in a recent article is. Pretty blunt. It [00:27:00]says the manufacturers, big OEMs want fewer partners and larger partners who can take on more responsibility. And if you cannot invest and grow with those manufacturers, you’ll be left behind the winners. It says it will be those who stay close to the turbine makers and adapt as the industry evolves. Joel, this is a really interesting discussion that, uh, Soren put out there. Obviously he’s invested in Polytech and Jupiter, Bach, uh, to great suppliers obviously, but small businesses are where a lot of the key technologies have been driven over the last five, six years. In wind, or more broadly the last 20 years in wind, a lot of great technology has come out of places that you wouldn’t have thought of. The OEMs have not been the bastion of innovation. I would say it [00:28:00] is necessary. You have both, wouldn’t you think? You have to have the small business innovation to prove out ideas and to show that they work, but you also have to have the large manufacturers to implement those ideas more broadly without either one of them, nobody wins. Joel Saxum: I fully agree and I think that one of the things that’s a little bit, uh, more of a granular comment there is. I think sometimes you need the OEMs and the other suppliers within the supply chain to open their doors a little bit, right? So this is, this is me wearing my, my small business, small innovative business, uh, in the wind industry cap. And that is, man, sometimes it is hard to get a conversation with a large subsupplier or with an OEM when you have something that can help them. And they just don’t want to communicate, don’t want to help. It’s just our way or the highway kind of thing. And if you watch, like we, so the podcast gives us an kind of, or not [00:29:00] gives us, it forces us to have kind of an op, an opportunity to look at, you know, what are the, what are the financial statements of some of these OEMs? What are the financial statements of some of their large sub-suppliers? You know? ’cause if they’re located in countries where that stuff is public knowledge, you can see how and what they’re doing. And if you, if you look at business in a general way where you rely on one customer or two customers to, for your whole business, you’re gonna be hurting. Um, especially in the way we look at things or what we’re seeing in the wind industry right now is if you’re, if you are a large company to say you do a hundred million in revenue and your customers are ge Vestas. Depending on what happens regulatory wise, in some random country somewhere your a hundred million dollars could shrink to 50 real quick. Um, so I don’t think that that’s a great way to do business. I think, you know, having a bit of diversification probably helps you a little bit. The OEMs Allen Hall: have a particular job to do. They need to deliver turbines onsite on time and create power for their customer. That’s our main [00:30:00] focus. They are a generator. Driven company, they make generators on steel towers with a propeller system basically. Right. Just simplify it way, way down. There’s not a lot of technology in that itself. Obviously there’s control systems, obviously there’s electronics involved, but the concept from this basic fundamentals is not difficult to to grasp. The difficulty is in execution. Showing that that product can last for 20 years, and that product can last in different environments. Australia, United States, up in Scandinavia, Canada, way down south and Brazil. There’s some really rough environments there and the OEMs are relying upon in industry, uh, guidance from like the IECs and then the dvs, uh, uls Tube. Nord. Uh. Bvs where they’re trying to make these turbines comply to a [00:31:00] set of essentially regulations, which just simplify it. You can do that. But as we have seen historically in the wind industry, if you make a turbine that just meets those requirements, you do not necessarily have a successful product. You have a product that is marginal, and as Yolanda has pointed out to me numerous times, there’s a lot of real issues in wind turbines. That probably could have been solved five years ago by small mobile companies with outside of the box ideas that could have given the OEMs a huge advantage, especially in blades. Yolanda Padron: Yeah, and I think a lot of these companies are, they’re looking at things from a different point of view, right? They’re smaller companies. You have people who could know the product, they know the real issue that’s going on on the ground. They know. Kind of what they need to do, what the next step is to move forward in their solution.[00:32:00] Right? But it’s not like it’s a, a company where you need 30 people to sign off before you can go onto the next stage, and then you need 30 more people to sign off before you can get funding to do something else. And so yes, the OEMs are doing a good job in their scope. If they’re meeting their scope, they are doing a good job. You know, if I, if I take like bread and cheese, then yes, I have a sandwich, right? Like, it might not be the best sandwich in the world, but I have a sandwich. So like, they’re making the sandwich and that’s great. But if you want something to, to actually work and to last and to, to give everybody else the, the idea that. You know, wind is profitable and we can all benefit from it. You have to get all those different layers in there, right? You have to make [00:33:00] sure that you know, if you have a big lightning issue, then you get the right people in the room to get that retrofit in there to solve your lightning issue. If you have a big leading edge erosion issue, then you get those right people in the room to solve everything, and it’s not always going to be a one size fits all. Right, but you do need those smaller companies to, to be in the room with you. Joel Saxum: I’m a hundred percent agreeing with you, Yolanda, and I think that this is the issue here is that at some level then an OEM, an OEM engineering head would have to admit that they’re not the end all be all, and that they may have got a couple of things wrong. And what, what I would love to see and who, and maybe maybe ask you this question, who of the major four Western OEMs. Do you think would be open to like an industry advisory board? Nordex, you think it’s Nordex? I think Yolanda Padron: that’s the closest one so far that we’ve seen. Right? Joel Saxum: Yeah. I, I, I agree with you, and I’m saying that because I don’t think any of the other ones would ever admit that they have an [00:34:00] issue, right? They have attorneys and they have problems, Allen Hall: so they really can’t, but I, I think internally they know that they haven’t optimized their production, they haven’t optimized their performance out in the field. They’re trying to improve availability, that’s for sure. Estes has spent a great deal of time over the last year or two improving availability so that the money is being spent. The question is, do they have all the right answers or the overspending to get to the availability that they want to deliver to their customers? That’s a great question because I do think that we we’re just in Scotland and there’s a number of technology companies in the UK that I think, wow, they should be implementing some of these. Ideas and these products that have been proven, especially the ones that have been out for a couple of years, they should be implemented tomorrow, but they’re not yet because they can’t get through the door of an OEM because the OEM doesn’t want to hear it. Joel Saxum: Yeah, agreed. Agreed. Right. Well, well, like I, the, the, the example that keeps popping into my mind is Pete Andrews and the team over [00:35:00] at Echo Bolt, simply because they have a solution that works. It’s simple. They’ve done the legwork to make sure that this thing can be optimized and utilized by technicians in the field around the world. But they, it just like, they haven’t gotten the buy-in from, from whoever, uh, that it seems to be, you know, there’s a hurdle here. Uh, and that hurdle may be the Atlantic Ocean. I don’t know. Uh, but I would love to see, I would love to see their, uh, solution for bolted connections, uh, and monitoring bolted connections kicked around the world because I think you could save. Uh, the wind industry a ton, a ton, a ton of money. And that is an example of a small business full of subject matter experts that made a solution that can solve a problem, whether you’re an OEM or you’re an operator or whatever. There’s there that’s there, utilize them, right? Those are the kind of things that we need in this industry. Yolanda Padron: And it’s also those smaller companies too that will look at your feedback and then they’ll say, oh. Okay, do I need to adjust here? [00:36:00] Did I not focus on this one parameter that your specific site has? Right. And you don’t see that from the OEMs ’cause they have so, uh, they have so many problems that they’re trying to tackle at once that it gets really difficult to, not just to hone in on one, but to, to tell everybody, oh, I, I have this perfect solution for everything. Here you go. Allen Hall: Right. I think there’s an internal conflict in the engineering departments and manufacturing departments of any OEM, regardless if it’s in wind or in any other industry, is that they have a system to make this product and they’re pretty confident in it, otherwise they wouldn’t be doing it. They don’t want to hear outside noise is I, I would describe it as noise. Like, uh, if you have a great solution that would help out their manufacturing process. But I work here, I know how, I know the ins and outs that that new idea by a small company won’t work here. Those [00:37:00] barriers have to be knocked down internally in the OEMs. The OEM management should be going through and saying, Hey, look, if I find me the manager of this operation, if I find a company that could help us and save us money, and you’re being a roadblock, guess what? See ya. Hit the road because there is no way you can let those opportunities pass you by. In today’s marketplace, you need to be grabbing hold of every opportunity to lower your cost, to improve your product availability, to improve your relationship with your customers. How do you do that? Quickly, you look at the companies that are providing solutions and you grab them, grab them, and hold on for your life and listen to what they have to say because they have probably done more research into your product than your people have. That wraps up another episode of the Uptime Wind Energy Podcast. If today’s discussion sparked any questions or ideas, we’d love to hear from you. Reach out to us on LinkedIn and don’t forget to subscribe so you never miss an episode. If you [00:38:00] found value in today’s discussion, please leave us a review. It really helps other wind energy professionals discover the show and we’ll catch you here next week on the Uptime Wind Energy Podcast.

Mach 3 Speed Revisited!Mike Romatowski Interview Welcome to Episode 230 of THE Golf Improvement Podcast!  Dedicated to sharing useful information on professional club fitting, putting and short game improvement, and effective practice techniques. CHANGING GOLFER'S LIVES - ONE GOLFER AT A TIME!Show Notes:Welcome Back Mike Romatowski! - Creator of the Revolutionary Mach 3 Golf Speed…

We said we'd be back in just five minutes, but you could tell that we were lying! Welcome to our hypnotic and strange series on Mr. Factory Showroom, our sixth They Might Be Giants album! Which is not to say you'll like it!First, there's no way to stop the excellence of our segment on Spiraling Shape! Everyone says it's great! Then, in 1990, They Might Be Giants released James K. Polk as a b-side. But precious few were satisfied with that, and in six short years they fulfilled their manifest destiny of expanding the song for Factory Showroom! Then it's a lucky thing that you'll be hearing us groove out to Pet Name! We've almost figured out how to discuss the song's obscure origins and saucy couple. Don't spend the rest of your life wondering! Listen to this podcast! There won't be a refund! Go, go, go!Join us on Patreon!: patreon.com/c/dontletsstartpodcast

You follow Demetri Papanicolau's winding path from Fidelity financial consultant to full-time booking agent and working musician, discovering how taking risks, saying yes to scary gigs, and learning from every stage moment shaped his career. You hear how singing AC/DC and Zeppelin in high school, drilling Beatles harmonies, and navigating the evolution from originals to covers built the chops he still relies on today. As you ride through stories of surprise band formations, COVID-era pivots, and the birth of Rotten Apple, you're reminded that you must Always Be Performing, even when the gig you expected turns into something entirely different. You also step inside Demetri's world at Notso Costley Productions, where booking is equal parts diplomacy, coaching, and reading the room. He breaks down what venues actually want, what musicians consistently get wrong, and how reliability wins more than draw. You learn how he balances the needs of solos, duos, trios, and full bands; why non-verbal communication and a good hang matter; how to build an EPK that gets you on a roster; and what happens when rates rise across the scene. Through it all, Demetri shows how being both booker and performer lets him guide bands and venues toward smoother nights, stronger partnerships, and gigs that keep everyone coming back. 00:00:00 Gig Gab 512 – Monday, December 15th, 2025 December 15th: National Cupcake Day Guest co-host: Demetri Papanicolau from Notso Costley Productions NAMM coming up! GG Coverage Sponsor: Ultimate Ears Pro! 00:02:19 From Fidelity Financial Consultant to Acquiring and running a Booking Agency Josh Logan, local to New Hampshire, did Rock Star Supernova and then The Voice And then…Demetri wins the Black Brimmer's Rock Star ManchVegas Doors opened! 00:05:33 Singing AC/DC and Zeppelin in high school to vocal lessons 00:06:06 Learning harmonies by singing The Beatles 00:07:32 Playing in an original band that became a cover band 00:10:05 Learning while not playing…big ears! Submitted to America's Got Talent 00:13:39 Taking new gigs even when they scare the heck out of you A Josh Logan cancelation leads to a band formation to sub! 00:16:02 It's not about the gigs you take, it's also about the gigs you don't take Be selective! 00:17:17 Alice and Chains becomes the thread to the story 00:18:51 COVID derails (and delays) some gigs…oh how we remember! October and November, 2020 When an acoustic duo gig turns into a full band on stage Rotten Apple forms! A tribute to Alice and Chains 00:22:28 Always performing with passion …and perfection! Developing that non-verbal communication 00:28:22 Bonding as harmony singers When you find that magic formula with someone, stick with it! 00:33:41 Putting the time in for continuous growth Maintaining beginner's mind 00:34:07 Finding those right partners where it's a good hang When your FOH Jim Roese, FOH with Fuel, Melissa Etheridge, and also Rotten Apple 00:37:44 Running a booking agency Working for both the venue and the performer Having a roster of musicians: solos, duos, trios, full bands Being in the performer's shoes helps Demetri be a coach to bands AND venues to ensure smooth sailing 00:42:48 Reading the room goes a long 00:44:15 Demetri's advice for making it work (or not work) To get on the roster: Have a good EPK and promo kit Once you're on: responsiveness, being available, managing your schedule 00:46:24 Demetri's biggest juggling act: adapting to last-minute changes The time Casual Gravity cancelled last minute! Reliability is huge 00:54:17 Venue feedback Draw isn't always the most important thing Be a pro on the mic. Represent the venue. Play the right songs. Keeping the venues happy allows Demetri to book his roster of performers 00:57:43 Raising rates for the performer New rates for 2025 $230-$250 for solo (from $170-$200 three years ago) $450-$500 for duo $660-$700 for trio $700-$1,000 for bands (or more for A-List prices) Balancing rates between performers and venues, ensuring everyone is profitable 01:05:03 Carrying on Paul Costley's legacy and tradition with Nosto Costley Productions Took a voluntary buyout package from Fidelity to make the time to acquire the agency 12/31/2021 was the day Demetri took over…and stopped cutting his hair 01:09:20 Gig Gab 512 Outtro Follow Demetri Papanicolau Notso Costley Productions On IG @DemetriPapanicolau Contact Gig Gab! @GigGabPodcast on Instagram feedback@giggabpodcast.com Sign Up for the Gig Gab Mailing List The post Booking Smarter, Singing Harder: Demetri Papanicolau on Gig Life — Gig Gab 512 appeared first on Gig Gab.

BIG NEWS!! Happy, Holy Mama's Annual Membership tier is now available to the public for the first time ever! Get an entire year of Catholic life coaching support for your mama's heart, mindset, time management, emotional regulation, behavior management, and SO much more for just $297! Click here to take advantage of this limited time offer HERE! ***** There are three major areas of life that seem to trip up every Catholic homeschooling mom at some point, if not everyday: time management, other people's unwanted behavior (especially our kids), and our own self-doubt.  These are each such important topics that have tremendous impact on the experience of the mother, that I've decided to create a three-part podcast series that breaks each of those struggles down in to simple, practical lessons that will help you make real change, without feeling overwhelming. Whether you're brand new to homeschooling or you've been doing this for years, this first episode gives you both fresh insight and gentle reminders for your heart that will directly impact the way you steward the time God gives you each day. You'll hear practical ways to stop spinning in frustration, take ownership of what's actually yours to manage, and choose the next best step with intention and hope.  Why are we taking the time to dive into these topics at the close of the calendar year? Because the new year is when you begin setting goals and making new plans for the second semester and beyond. You'll be able to do that more effectively if you've taken the time to think about your major pain points before you sit down to set goals.  These three episodes will help you start putting your life in Right Order for the new year, but also enjoy the last three weeks of this year, especially the Advent and Christmas seasons so much more deeply with peace and presence.  Grab your earbuds and join me for: A Catholic Homeschool Mother's Guide to Putting Your Life in Right Order, Part 1: Time Management.  

Lords: * Linker * Alexa Topics: * Variations in vampire stories: types of powers, origins of vampires, lack of consent lol * Anthropomorphism/Connection in media * Get a free burger when you join my rewards * Meditation at Lagunitas by Robert Hass * https://www.poetryfoundation.org/poems/47553/meditation-at-lagunitas * What letter of the alphabet would win in a Royal Rumble * Anti-Lesbian Vampire Propaganda of the 1970s as shown in The Vampire Lovers (1970) * https://crossingsjournal.ca/index.php/crossings/article/view/283 Microtopics: * Being American and then being Canadian-American. * Elephantasy and Elephantasy Flipside. * Crazy Aaron's Thinking Putty. * 3D-printed worms. * A plastic casing attached to your keychain that used to have a clicky button on it. * What we did to fidget after the industrialization of textiles. * How office workers goofed off before the Internet. * Bella's lead skull that prevents Edward from mind-controlling her. * Making up a power to be your favorite vampire power. * What happens when you inhale a vampire in mist form. * Using a picture of Cat's Cradle to illustrate the concept of telekinesis. * Putting the vampire coffin in steerage and the familiar has to sit in coach and then pull the coffin off of the luggage conveyor belt. * Would it be fun to turn into mist and be collected in a cup and then drunk? * Miss Frizzle, vampire expert. * Getting frustrated at a stealth video game and giving up being a pacifist as a metaphor for being an old vampire. * New Money vs. Old Money vampires. * Vampires going on Fetlife to find ethically sourced food. * One mysterious vampire at Goth night at the nightclub quietly asking to drink your blood, vs. twenty vampires going around begging and everyone's like jeez, this again? * Nobody expecting you to embezzle the blood. * Talking to a computer like it's a person you have absolutely no respect for, in a way you'd never talk to a real person because you assign a baseline respect for just being a real person, and people overhearing you are like "holy shit they're really mad" but you're not mad, you're just talking to a computer. * Apologizing to the table you just ran into. * It Takes Two. * Following the instructions of the book of love. * Creation of personality in moments of friction. * Interacting with video games in similar ways as you would a person, expect without the social anxiety. * Why would you ruin this perfectly good complex system with social anxiety? * We've got teamwork at home. * Sentient burgers enslaving other sentient burgers. * Being rewarded with a free burger but then turning into a burger and being given away as a reward. * Chicken stars! They're like chicken nuggets but they're shaped like stars! * Where were you when you were drafted into the Rewards Wars? * Naming your rewards program "My Rewards" so when the mascot refers to it it sounds like the rewards belong to the mascot. * Demanding to see the terms and conditions before you eat this hamburger. * A word that is elegy to what it signifies. * Moments when the body is as numinous as words. * Taking some LSD and learning about non-symbolic states. * Ignoring poetry in the same way that you ignore ads. * Vampire jokes! * Transylvanian Hounds. * Serif H being much more combat-ready than sans serif H. * The most bouba letters. * Capital O rolling around crushing the other letters of the alphabet like in Raiders of the Lost Ark. * Distraction the ref so you can stab. * Which letter of the alphabet could do the best backflip. * Whether the ampersand counts as a letter. * Letters that are good at stabbing vs. letters with broad sturdy bases. * The nuclear family emerging in response to the financial boom following World War II. * Anti-lesbian propaganda films that are far too sexy to be effective. * Heteronormative fiances. * Carmella the lesbian vampire stealing your wife. * The vampire lesbians receiving their comeuppance and the heteronormative couple living happily every after. * Be gay do crimes. (Murder.) * Buying Linker's games so he doesn't die.

How $1.6 trillion of real estate can be tokenised and fractionalised?  My interview with Adam Popat, CEO of SettleMint.  - Why Saudi Arabia is putting its entire land registry on-chain - What this means for citizens, banks, and developers - Why MENA may lead the real estate tokenisation wave - How infrastructure is being built for real-world liquidity - Why regulation and readiness matter more than just tech - What other assets beyond real estate are next in line - What risks policymakers should prepare for with tokenisation   Powered by Phoenix Group The full interview is also available on my YouTube channel: YouTube: https://bit.ly/3N0GVyL  

In this sermon, Pastor Clay explores the parable of the talents and challenges us to put our God-given gifts to work for His kingdom. Whether you're new to faith or have been walking with God for years, this message will encourage you to step into your calling and partner with Jesus in building His church. Discover how God's unmerited favor empowers us to bring "up there, down here" and live as faithful servants who will one day hear those beautiful words: "Well done, my good and faithful servant." Don't miss this powerful reminder that while we face tribulations in this world, we serve a God who offers eternal life and has equipped us with everything we need to make a difference.

Tiger Woods turns 50 this month. And although he's regarded as one of the best putters of all time, his putting stroke was not perfect. Sam Weinman and Drew Powell dissect Tiger's putting and what made him so good. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Putting money back into your practice does not always guarantee better results. In this episode, learn how smart allocation determines whether your investments actually produce growth and profit.   The MGE Power Program - https://www.mgeonline.com/power-program 

What should we make of the terror attack in Australia? Do we need to put Christ back into Christmas? What can we learn from losing a cricket match?In this episode of In:Dependence, Phil Topham (FIEC Executive Director), John Stevens (FIEC National Director), and Adrian Reynolds (FIEC Associate National Director) discuss stories in the news and how they relate to church leadership.Show notesVisual explainer: how a night of terror unfolded in Bondi (theguardian.com)Civilisational erasure is real, but Trump is part of the problem (telegraph.co.uk)Tommy Robinson holds London carol service with around 1,000 punters (metro.co.uk)The Ashes 2025: What is Bazball? (bbc.co.uk)About In:Dependence: In:Dependence is FIEC's official podcast, where you'll hear conversations on topics for church leaders.About FIEC: We are ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠a fellowship of Independent churches⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with members of the family across England, Scotland and Wales. Our mission is to see those Independent churches working together with a big vision: to reach Britain for Christ.00:00 - Different experiences at Christmas time02:35 - Anti-semitic terror attack in Australia12:15 - Is Europe facing civilisational erasure?21:17 - Putting Christ back into Christmas28:54 - Losing the Ashes and contextualisation

Amy and T.J. talk to the expert on gift giving following their most recent column for Yahoo.com. Associate professor Dr. Julian Givi studies gift giving for a living and tells us the do’s and dont’s for picking the perfect present. He also gives us an unexpected pro-tip that research shows could make the difference between someone liking your gift and LOVING it!See omnystudio.com/listener for privacy information.

Amy and T.J. talk to the expert on gift giving following their most recent column for Yahoo.com. Associate professor Dr. Julian Givi studies gift giving for a living and tells us the do’s and dont’s for picking the perfect present. He also gives us an unexpected pro-tip that research shows could make the difference between someone liking your gift and LOVING it!See omnystudio.com/listener for privacy information.

Amy and T.J. talk to the expert on gift giving following their most recent column for Yahoo.com. Associate professor Dr. Julian Givi studies gift giving for a living and tells us the do’s and dont’s for picking the perfect present. He also gives us an unexpected pro-tip that research shows could make the difference between someone liking your gift and LOVING it!See omnystudio.com/listener for privacy information.

In this explosive episode, Johnny sits down with Aaron Peila — a former multi-state Oxy distributor who survived five brutal years inside USP Victorville, one of the deadliest federal prisons in America. From running a massive opioid pipeline across Nevada, Utah, Idaho, Alaska, and the Pacific Northwest to navigating the violent racial politics of high-security federal lockup, Aaron pulls no punches as he breaks down his story in raw, unfiltered detail. Aaron explains how he built an oxy empire during the height of the opioid boom, how pills flowed through dirty doctors and retirement communities, and why markets like Alaska were paying exorbitant prices. He also opens up about the corruption inside the Bureau of Prisons, the influx of contraband phones after COVID, and what it really takes to survive in a place where everyone has a weapon and people get stabbed regularly. From music-industry ambitions and touring with rap artists…to DEA pressures, federal enhancements, snitches, RICO fears, and the three overdose deaths that nearly put him away for life… to trying to rebuild a life after 14 years inside a system designed to break you — this is one of the most gripping redemption-arc interviews we've ever had. If you want a real look into the American opioid era and the prison machine that chews up everyone involved, this episode is it. Go Support Aaron! Clothing Brand: https://cceapparel.creator-spring.com/ IG: https://www.instagram.com/aaronpeila/ TikTok: https://www.tiktok.com/@peilaroni This Episode Is #Sponsored By The Following: Hims! To get simple, online access to personalized, affordable care for ED, Hair Loss, Weight Loss, and more, visit https://hims.com/CONNECT Rag & Bone! Upgrade your denim game with Rag & Bone!. Get 20% off sitewide with code CONNECT at www.rag-bone.com #ragandbonepod Join The Patreon For Bonus Content! https://www.patreon.com/theconnectshow 00:00 Intro: Aaron Peila's Story 01:22 Life Lessons From Prison 02:47 Reentering Society and Social Changes 03:47 Prison During COVID: Corruption & Phones 06:06 Prison Gangs & Racial Politics 08:36 Hustling Evolution: Weed to Pills 14:42 The Rise of the Pill Game 20:30 Building a Multi-State Operation22:49 This Episode Is Sponsored By Hims 24:29 Shipping, Networks, and Profits 33:33 Money Laundering & Legal Strategy 40:33 Getting Busted: The Pistol Case 49:41 Indictments, Conspiracy, and Betrayal51:57 This Episode Is Sponsored By Rag & Bone 54:15 Federal Sentencing & Prison Transfers 01:15:41 USP Victorville: Arrival & Politics 01:27:18 Race, Cars, and Prison Politics 01:34:37 Putting in Work: Removals and Demos 01:47:00 Violence, Stabbing, and Survival Skills 01:58:12 Hustles and Addiction Inside Prison 02:08:04 Getting Released: Transfers and COVID 02:18:16 Reflection, Growth, and Forgiveness 02:31:18 Life After Release & New Beginnings Learn more about your ad choices. Visit podcastchoices.com/adchoices

You should not buy into this bad dog discomfort. Putting aesthetic interests first is causing immense pain, lifelong disabilities and premature death.

Send us a textJason has a not-so- mysterious mysterious mission. What does Christine have to say about it? And Rachel for that matter? Meanwhile Tommy contends with an unexpected, and mildly annoying side effect of hanging out with James. And then there's Max and Hayley. The less said about that, the better. Based on the play Two and Two Together by Peter Cosmas Sofronas. Written and Directed by Peter Cosmas Sofronas. Produced by Peter Cosmas Sofronas with Dan Murray, Starring (in order of appearance) Angela Rossi as Christine Rogers, Peter Cosmas Sofronas as Jason Reyas, Samuel Berbel as Max, Rachael Rabinovitz as Hayley Gettelman, Dan Murray as Tommy Hanson, Jon Vellante as James Rogers, and Lamia Holden as Rachel Hanson. Credits and Narration by Leonard Caplan. Sound Engineering by Dan Murray. Sound Editing by Peter Cosmas Sofronas. Theme Music by Valerie Forgione.Support the showScripts of Two and Two Together and the first two seasons of Putting 2&2 Together can be purchased at Amazon.com. Merchandise available at TeeSpring. Donations can be made at By Me a Coffee. For further information, please visit puttingtwoandtwotogether.com.

Amy and T.J. talk to the expert on gift giving following their most recent column for Yahoo.com. Associate professor Dr. Julian Givi studies gift giving for a living and tells us the do’s and dont’s for picking the perfect present. He also gives us an unexpected pro-tip that research shows could make the difference between someone liking your gift and LOVING it!See omnystudio.com/listener for privacy information.

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Someone has said worry is the advanced interest you pay on troubles that seldom come. An old Swedish proverb says worry gives a small thing a big shadow. What shadow is looming over you right now? Today on A NEW BEGINNING, Pastor Greg Laurie continues a series called Faith 101: A Crash Course on the Christian Life. We’ll tackle the problem of worry and anxiety. Pastor Greg points out that the Lord has given us a very powerful tool to help us put our worries to rest. — Become a Harvest Partner today and join us in knowing God and making Him known through media and large-scale evangelism, our mission of over 30 years. Explore more resources from Pastor Greg Laurie, including daily devotionals and blogs, designed to answer your spiritual questions and equip you to walk closely with Christ.Support the show: https://bit.ly/anbsupportSee omnystudio.com/listener for privacy information.

Members of the military have a duty to obey lawful orders but must not obey patently unlawful orders. Given the administration's unlawful, deadly strikes in international waters, our troops are being put in difficult and dangerous circumstances by Donald Trump and Pete Hegseth. The National Institute of Military Justice has created The Orders Project to provide real-time, informed advice for military members who are trying to lawfully navigate the difficult situation in which they are being put. Glenn spoke with Treb Courie, Legal Director for The Orders Project, about the services available to our military members. Link to The Orders Project: www.ordersproject.comFind Glenn on Substack: glennkirschner.substack.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Find out how to master over procrastination once and for all.See omnystudio.com/listener for privacy information.