Podcasts about Ranges

Someone in your life is giving you financial advice right now. They're confident. They say it like it's gospel. And they might be completely wrong.Not because they're bad people — but because they're handing you a prescription without doing the diagnosis. And in financial planning, that's how people end up behind where they should be.In this episode, CFP® David Chudyk dismantles four of the most repeated pieces of financial advice in America — the kind you've heard so many times you stopped questioning them. The kind that sounds responsible, feels virtuous, and breaks down the moment someone runs the actual numbers on your situation.This isn't a contrarian rant for its own sake. It's a masterclass in why the difference between generic advice and a real financial partner might be the most important financial decision you ever make.What You'll Learn in This EpisodeWhy "pay off all your debt before you invest" can be the most expensive advice you ever followThe brutal math behind waiting for the market to "calm down" — and what it actually costs youThe truth about homeownership as an investment (spoiler: the numbers aren't what you think)Why "always max your 401(k) first" is right for some people and dead wrong for others — especially business ownersThe three-bucket framework that separates strict financial rules from flexible ranges from personal preferences — and why mixing them up is where real financial damage happensThe Four Myths — Broken DownMyth #1: "Pay Off All Your Debt Before You Invest"This one sounds disciplined. It feels responsible. And it can cost you a fortune. If your employer offers a 100% 401(k) match and you're skipping it to pay down a 4.9% car loan, you just turned down a guaranteed 100% return to avoid a 4.9% interest rate. The math doesn't care how debt makes you feel. There's a real difference between high-interest consumer debt (pay it down aggressively) and low-interest, tax-advantaged debt (the calculus is very different). A real financial partner helps you know which is which.Myth #2: "I'll Start Investing When Things Calm Down"Here's the uncomfortable truth: things don't calm down. They never have. The dot-com crash, 9/11, 2008, a global pandemic, 40-year inflation highs — there has always been a reason to wait. Meanwhile, missing just the ten best trading days in a decade can cut your returns in half. And the best days almost always come right after the worst ones. Waiting for calm isn't strategy. It's fear wearing a suit.Myth #3: "Your Home Is Your Best Investment"Homeownership builds equity, provides stability, and for many people is an excellent financial decision. But "best investment"? The national average home appreciation rate over the last century is roughly 1% above inflation annually. The stock market has returned about 7% above inflation over the same period. And most people forget to subtract property taxes, insurance, maintenance (1–2% of home value per year), mortgage interest, closing costs, and commissions. Your house is a valuable asset. It is not a substitute for a portfolio.Myth #4: "Always Max Your 401(k) First"Employer match? Take every dollar of it — that's a strict rule, full stop. Beyond the match, though, this gets complicated fast. Traditional vs. Roth decisions depend on your current and expected future tax bracket. Business owners may have access to SEP-IRAs, Solo 401(k)s, or defined benefit plans that dwarf standard contribution limits. And locking every available dollar into a retirement account while running a business that needs capital can leave you technically wealthy and practically cash-poor. "Max it first" is often right. It's not always right.The Framework That Changes EverythingHere's what David explains that most financial conversations never get to: not every financial question has the same type of answer.Strict rules: Get your employer match. Pay down high-interest consumer debt aggressively. Maintain liquidity before locking money away. These aren't preferences — they're math.Ranges of acceptable action: How to sequence your accounts. Roth vs. traditional. How much house makes sense. The best answer within the range depends entirely on your specific situation.Personal preferences: Your emotional relationship with debt. How much market volatility you can handle without making a bad decision. How important liquidity feels to you. These are legitimate inputs to a real financial plan — not weaknesses, data.Treating preferences like rules, or ignoring real rules because they're uncomfortable — that's where the damage happens. A real financial partner helps you sort the buckets and make decisions that actually fit your life.Quotable Moments from This Episode"They're handing you a prescription without doing the diagnosis. And in financial planning, that's how people end up broke.""Missing just the ten best trading days in a decade can cut your returns in half — and the best days almost always come right after the worst days.""Your house is a valuable asset. It is not a substitute for a portfolio.""There are strict rules, there are ranges of acceptable actions, and there are personal preferences. Mixing them up — that's where the damage happens.""How we handle our money should positively impact our lives and the lives around us. Not just optimize for a spreadsheet."Who This Episode Is ForThis episode is essential listening if you are:A business owner who has been running on financial autopilotA high earner who suspects they might be leaving money on the tableSomeone who has been following "common sense" financial rules without ever stress-testing themAnyone who has said "I'll start investing when things settle down" — in any year, everA homeowner who considers their house their primary retirement strategyWork With DavidFree Vision Call — If you're a business owner or high earner who wants a real conversation about whether your financial plan actually fits your life, David offers a complimentary 20-minute strategy call. No pitch. No pressure. Just clarity.weeklywealthpodcast.com/visionFree Sellability Score — If you own a business and haven't seriously evaluated what it's worth or what it would take to sell it someday, this free 15-minute assessment will show you exactly where you stand — and what's costing you value right now.weeklywealthpodcast.com/sellabilityscoreAbout David ChudykDavid Chudyk is a CFP® (Certified Financial Planner), CLTC, and Certified ValueBuilder Advisor with nearly two decades of experience helping business owners and high earners build real, lasting wealth. He is the founder of Parallel Financial, LLC, a fiduciary registered investment advisor, and host of the Weekly Wealth Podcast. David is based in Seneca, SC and works with clients across the Upstate South Carolina region and beyond.His approach is simple: financial planning shouldn't just optimize a spreadsheet. It should positively impact your life — and the lives of the people around you.The Weekly Wealth Podcast is available on Apple Podcasts, Spotify, and wherever you listen to podcasts. If this episode made you question financial advice you've been taking for granted — good. Share it with someone who needs to hear it.

In this episode of Slam Fire Radio, we welcome Josh Kennedy from Archery Ranges Canada to talk about building Canada's largest directory of archery ranges and helping new archers discover places to shoot across the country. Josh explains how Archery Ranges Canada grew from a simple idea into a nationwide resource featuring hundreds of clubs … Continue reading Episode 657 – Josh from Archery Ranges Canada → The post Episode 657 – Josh from Archery Ranges Canada appeared first on Slam Fire Radio.

Colonel John Blashford-Snell (JBS), one of the world's most renowned and respected explorers, has organised and led over one hundred expeditions including an exploration and first navigation of the Ethiopian Blue Nile. In 1972, using the first Range Rovers and a Landrover, he led the first vehicle crossing of the Darien Gap including the infamous Atrato Swamp. In 1971/72 this team was the first to complete the drive from Alaska to Cape Horn. In 1974 he navigated almost all 2700 miles of the Zaire (Congo) River. Most of his expeditions have environmental, medical and scientific objectives.In 1969, he and his colleagues formed the Scientific Exploration Society, which became the parent body for several worldwide ventures launched by HRH the Prince of Wales. JBS then raised funds and selected a team to run Operation Drake involving 400 young explorers from 27 countries on a 2-year circumnavigation. Ultimately a much larger global youth programme was organised and by 1992 Operation Raleigh had enabled 10,000 young people from 50 countries to take part in challenges and expeditions around the world. Now, as Raleigh International, over 580,000 young men and women have benefitted from this unique programme. Many of them, like Major Tim Peake have become explorers in their own right.Retiring from the Army and as Director-General of Operation Raleigh in 1991, his commitment to young people continues. In 1993, he became Chairman of a £2.5 million appeal to establish a centre to provide vocational training and guidance for the young of Merseyside. This Centre now known as “The Door” has helped over 40,000 less privileged young people. Later he chaired The Liverpool Constructions Craft Guild to promote the training of skilled craftsmen in Liverpool.In 2000 he delivered a Grand Piano to the Wai Wai people of Guyana. A BBC film of this helped to raise $2 million to conserve the tribal area. In 2017 he took an ambulance boat to a remote tribe on the Amazon.The Colonel's work has been recognized by the award of the CBE, and in 1974 of the Segrave Trophy, the Livingstone Medal of the Royal Scottish Geographical Society (1975), the Patrons Medal of the Royal Geographical Society (1993) and the Gold Medal of the Institute of Royal Engineers (1994). He has also received medals from Bolivia, Colombia, Mongolia and the Explorers Club (USA).His expeditions are acknowledged for developing inflatable boats for white water rafting, paramotoring on scientific expeditions and other technical advances.JBS has written 16 books, broadcasts and lectures whilst leading expeditions worldwide with the Scientific Exploration Society and projects with the Just A Drop water charity. Hosted on Acast. See acast.com/privacy for more information.

Headlines:Israel has issued a forced displacement order to residents of seven villages in southern Lebanon, including Houmine al-Faouqa, Bnaafoul, Arab Salim, Roumine, Aazze, Arki and Jbaa.The Allan government has released a State Forest By-Products Framework that effectively creates a loophole for a new form of incentivised logging and land clearing, with fewer protections than the industry it replaced, and no public consultation.Bulldozers have begun digging at Barrambin Victoria Park, following a weekend of protests against the planned construction of the 2032 Olympic stadium.Brooklyn Rivera, an Indigenous leader, politician and activist, has died at age 73 after years in Nicaraguan state custody, prompting outcry from rights advocates. Lisa Barrand is one of the founding members of Gippsland Forest Guardians and has joined the program on multiple occasions throughout the past few years to speak about the state of native forests in the Strzelecki Ranges, most notably Fellas Coupe and the endangered Slender Tree-Ferns. Lisa is back with us this morning to give an update regarding the Forest Stewardship Council and its interpretation of Principle 10.1 and what this could mean for the Mountain Ash native species forests in the Strzelecki's. For more information and updates regarding their campaign, head to https://www.gippslandforestguardians.org.au/ Lucinda Thorpe is a Privacy Campaigner at Digital Rights Watch, is back on Tuesday Breakfast this week to talk about an upcoming gig informing the public about the infiltration of AI in the music industry and raising funds for the work of Digital Rights Watch. How is generative AI being used to disempower artists and how is it changing the way we access music? Lucina speaks about the Electronic Musicians Against "A.I." Fundraiser taking place at The Tote on Sunday, 14 June 2026 2:30 pm. To buy tickets and find out more about the gig, go to https://thetotehotel.com/gig-guide/ Tabitha Lean is a First Nations prison advocate. On 18 May, Tabitha joined Marisa on Doin Time to discuss Crim Con, a gathering created by and for criminalised and formerly incarcerated people, grounded in the belief that the people most impacted by prisons, policing and punishment are not just participants in these conversations, but leaders, theorists, artists and organisers in their own right. Tabitha discusses how Crim Con shifts power back to people with lived experience of being incarcerated and criminalised and her work to challenge the colonial carceral state. Here is part of this interview between Tabitha and Marisa. Kristin works with the Antipoverty Centre. Last week federal employment minister Amanda Rishworth gave an address at the National Press Club outlining changes to the employment services system. Kristin joins us to discuss what this shake-up to the system looks like, and how it will tangibly affect people on Jobseeker payments. We will also dig into whether this new model will better support job seekers and what changes are still needed. Thinzar Shunlei Yi is a Myanmar Democracy activist, and director of Sisters2Sisters a women's rights and feminist collective. In the second half of the interview, Thinzar speaks about the intention behind the ban of menstural products in Myanmar and the work Sisters2Sisters is acting upon in response. Here is part two of the conversation, which initially aired on Women on the Line on Monday 25 May. songs:nabii (Grace Kim) is a Korean-Australian artist/producer/DJ, blending hyperpop and trance to create emotional, euphoric dance music. This is her most recent song 'in my room!' that was released last month Born and raised on Meanjin land, Filipino/Cambodian musician 'ixaras' makes predominantly indie-rock music, and started her own label, antidismal music. This is 'new to this'.

4th hour of the G-Bag Nation: The Expressway: Football's Finest; Texas Ranges Insider Jared Sandler joins the Nation; GBAG of the DAY; LA Live full 2865 Thu, 28 May 2026 23:42:42 +0000 Q5egRruNhEJUPSl7GSYsBqrQPFfqVqo1 sports GBag Nation sports 4th hour of the G-Bag Nation: The Expressway: Football's Finest; Texas Ranges Insider Jared Sandler joins the Nation; GBAG of the DAY; LA Live GBAG Nation sets the afternoon sports pace for Dallas-Fort Worth with an energetic, roundtable approach that speaks directly to the heart of North Texas. Featuring Gavin Dawson, Super Bowl winning scout Bryan Broaddus, Eric Chiofalo, Zach Wolchuk and Lucious Alexander, the show combines insider-level knowledge, strong debate, and the confident swagger of the Metroplex, plus plenty of laughs and the kind of friendly ribbing you'd expect from a group of best friends. Your drive home is filled with in-depth coverage of the Cowboys, Rangers, Mavericks and Stars. GBAG Nation also tracks college football across Texas along with the biggest national sports headlines, translating them through a distinctly local lens. The GBAG Nation has some of the best contacts in DFW. They pull back the curtain and give you information that no one else can. This is where informed analysis meets bold opinion, with humor and camaraderie that keep it fun and real. © 2026 Audacy, Inc.

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Auckland Council has approved their first-ever transport policy statement, which, together with the central Government's Policy Statement on Land Transport, will shape the future of transport funding in Auckland. And a petition is being hosted on Our ActionStation that calls on the Government to strengthen protections for the Waitākere Ranges.  For City Counselling, Wire Host Caeden spoke with Councillor Shane Henderson about both of these topics.

For City Counselling this week, Wire Host Caeden spoke to Councillor Shane Henderson about Council's transport policy statement and the Waitākere Ranges being left out of the Resource Management Act reforms.  They spoke to Associate Professor at Victoria University and trustee at Better Public Media, Dr Peter Thompson, about the Government announcing that the Broadcasting Standards Authority will be scrapped.  And they spoke to Migrant Rights Network President Sher Singh on the Government announcing a new test for people applying for New Zealand Citizenship.  For our weekly catch-up with the Labour Party, Producer Pranuja spoke with Shanan Halbert about New Zealand's new trade deal with Singapore, Act's proposed immigration policy, and the Government's leaked emails on Iran. She also spoke with Doctoral Researcher Claire Reid from the University of Auckland about new findings in her research on how children screen use affects brain function.

‘From the Lowlands to the Ranges' gaat over Nederlandse migranten in de Yarra Ranges (VIC). Dertig families delen hun persoonlijke verhaal over de migratie naar Australië. Afgelopen zondag werd de tentoonstelling geopend in Monbulk, waar het publiek in groten getale op afkwam. Wij spraken met Anne en Gerry van Horick, die een belangrijke rol speelden bij de totstandkoming van dit mooie project.

--  How safe are publiic shooting ranges?--  Should food delivery people carry guns for protection?--  Don't juggle your gun!Gun Talk 05.03.26 After ShowBecome a supporter of this podcast: https://www.spreaker.com/podcast/gun-talk--6185159/support.

How do dragons affect Korean culture, philosophy, and cosmology? I brought my friend Professor David Mason back into the studio to explore the differences between Asian and Western dragons. The "Dragon King's" role in Buddhism, Shamanism, and Taoism. Why East Asian cosmology views the world without a concept of absolute evil. And how these ancient symbols can still offer solutions to modern life. Learn about history, pansori, Korean temples, and the hidden "Tao" behind it all. The Guest David A. Mason recently retired as a Professor of Korean Cultural Tourism at Kyung Hee & Sejong Universities for 17 years, and is a longtime researcher on the deep religious characteristics of Korea's mountains. Prior to this, he served as a consultant for the national Ministry of Culture and Tourism for five years. Mason earned a Masters' Degree in the History of Korean Religions from Yonsei University in 1997, and was appointed the national Honorary Ambassador of the Baekdu-daegan Ranges in 2011. He has authored and edited ten books on Korean culture and tourism. He is now a tour-guide and public-speaker, based in Seoul. A native of the USA, he has been living in South Korea for 40 years now. For tours and books, find him online: mtnwolf@gmail.com sanshinseon.com mntnwolf@facebook Discussion Outline 0:00 Introduction 2:25 Asian Dragons & Western Dragons 8:31 Do Dragons Exist? 17:30 Dragons in Korean Culture 27:40 The Animals of the Zodiac 33:10 The Dragon King in China and Korea 38:44 Dragons in Buddhism and Shamanism 42:05 The Dragon King in Pansori 54:43 No Evil in East Asian Cosmology 57:15 Taoism 1:06:30 Dragons in the Modern World 1:10:55 Life Advice Thanks to Patreon members: Bhavya, Roxanne Murrell, Sara B Cooper, Anne Brennels, Ell, Johnathan Filbert, Daniela Körppen, Cody Join Patreon: https://www.patreon.com/c/user?u=62047873 David A. Tizzard has a PhD in Korean Studies and lectures at Seoul Women's University and Hanyang University. He writes a weekly column in the Korea Times, is a social-cultural commentator, and a musician who has lived in Korea for nearly two decades. He can be reached at datizzard@swu.ac.kr. ▶ David's Insta: @datizzard ▶ KD Insta: @koreadeconstructed ▶ Listen on iTunes: https://podcasts.apple.com/kr/podcast/korea-deconstructed/id1587269128 ▶Listen on Spotify: https://open.spotify.com/show/5zdXkG0aAAHnDwOvd0jXEE ▶ Listen on podcasts: https://koreadeconstructed.libsyn.com 

Building Cyber Ranges & Real-World Cyber Readiness| DailyCyber 289 with Lee Rossey Cyber ranges and simulation platforms are redefining how organizations prepare for real-world cyber threats.   In DailyCyber Episode 289, Brandon Krieger speaks with Lee Rossey, CTO & Co-Founder of SimSpace, about how advanced cyber environments are being used by USCYBERCOM, global militaries, and enterprises to improve cyber readiness.   Lee brings decades of experience from MIT Lincoln Laboratory, where he led cyber range development and worked with DARPA and the Department of Defense to build foundational cyber training infrastructure, including the National Cyber Range Complex. This episode explores how organizations can move beyond theoretical security and into real-world validation and resilience.   Lee Rossey is a former Group Leader at MIT Lincoln Laboratory, where he established the Cyber System Assessments Group. He has led cyber range development, red teaming, and large-scale testing initiatives supporting national defense programs. As CTO & Co-Founder of SimSpace, he now leads the development of simulation platforms used globally for cyber training and testing.   Topics covered: • Cyber range evolution • Red teaming at scale • Military cyber strategy • Cyber resilience testing • Future training platforms   Guest: Lee Rossey — CTO & Co-Founder, SimSpace Host: Brandon Krieger — CEO & vCISO Advisor, KNSS Consulting   Watch: YouTube.com/BrandonKrieger Listen: DailyCyber.ca  

Welcome to the Mind Muscle Connection Podcast!In this solo episode, I talk about If You're Above These Body Fat Ranges You Don't Need A Surplus To Build Muscle or “Reset” Your MetabolismI break down why that approach usually backfires, what actually happens to your body when you keep pushing calories up, and how this can impact your health, performance, and body composition over time. I also go through the most common beliefs I hear from clients and explain what's really going on behind the scenes.If fat loss has felt confusing or you feel stuck despite trying to “eat more,” this episode will help you understand what to focus on instead and how to move forward with a smarter plan!Let's talk about:IntroductionWhy You Don't Need a Surplus at Higher Body FatHormones and Fat DistributionCut off thresholdsCommon Belief #1: “I Need to Reverse Diet First”Common Belief #2: “I Need a Surplus to Rebuild Muscle”Common Belief #3: “I Need to Get Calories as High as Possible”Common Belief #4: “My Metabolism is Broken”Common Belief #5: “I Need to Hit X Calories Before Dieting”Why Low Calories FailHealth Risks of High Body Fat and SurplusWhen Increasing Calories DOES Make SenseFollow me on Instagram for more information and education:https://www.instagram.com/jeffhoehn_/?hl=enHow You Can Work With Me?: https://jhhealth.net/workwithme/Coaching application: https://docs.google.com/forms/d/e/1FAIpQLSfE-99wLDZRXlOOY1pWuAmkogdZOm-7ZvN_thbqNWLdNrj5bg/viewform

NFL Network's Lead Draft Analyst Daniel Jeremiah joins Joel Klatt to discuss Ohio State potentially making history with 4 Top-10 Picks and where it stacks up with the best Draft Classes in NFL history. They reveal NFL Player comparisons for top prospects in next week's draft including Notre Dame RB Jeremiyah Love, Oregon TE Kenyon Sadiq and more. The two also break down how high - and how low - the most polarizing prospects in the Draft could go including Miami's Rueben Bain Jr and Ohio State's Caleb Downs. 0:00-2:24 Daniel Jeremiah joins the show2:25-11:23 Ohio State players projected to be top-10 picks11:24-17:15 Dillon Thieneman on Daniel Jeremiah's top 50 prospects17:16-19:40 Who will be the first safety off the board in the NFL Draft?19:41-32:15 NFL comparisons with Daniel Jeremiah32:16-42:09 Ceiling and floor in NFL Draft42:10-45:05 Who should the Jets select at No. 2?45:06-48:22 Will Jeremiyah Love be drafted in the top 5?48:23-51:47 Will the Chiefs draft a weapon for Mahomes?51:48-58:03 Production vs. Potential debate Use my code for 10% off your next SeatGeek order*: https://seatgeek.onelink.me/RrnK/KLATT10Sponsored by SeatGeek. *Restrictions apply. Max $20 discount Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, Conor and Ben chat about Haskell deforestation, hylomorphisms, boost ranges, Jello and more!Link to Episode 281 on WebsiteDiscuss this episode, leave a comment, or ask a question (on GitHub)SocialsADSP: The Podcast: TwitterConor Hoekstra: LinkTree / BioBen Deane: Twitter | BlueSkyShow NotesDate Recorded: 2026-03-30Date Released: 2026-04-10DeforestationPearls of Functional Algorithm DesignAlgegraic Identities for Program Calculation (1989)The Algebra of Programming (1996)Kadane's AlgorithmA short cut to deforestation (1993)HylomorphismStepanov's "Notes on Higher Order Programming in Scheme"Boost RangesJelloIntro Song InfoMiss You by Sarah Jansen https://soundcloud.com/sarahjansenmusicCreative Commons — Attribution 3.0 Unported — CC BY 3.0Free Download / Stream: http://bit.ly/l-miss-youMusic promoted by Audio Library https://youtu.be/iYYxnasvfx8

In this episode of Crossing the Line, Curtis sits down with Parker Willicome to break down what's really happening at the grassroots level of Canada's firearms community. Parker shares his journey from having little exposure to firearms to becoming deeply involved with the Cranbrook Rod & Gun Club: organizing events, supporting competitions, and advocating for the future of shooting sports. The conversation dives into the real-world impact of firearm policies on local clubs, membership decline, and why ranges are more than just places to shoot, they're community hubs, training facilities, and a key part of Canada's outdoor culture. This episode is about more than firearms, it's about community, responsibility, and why getting involved matters now more than ever. https://cbkrgc.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

Self-care podcast exploring Reviewing My Latest Hormone Labs With You Part 1, Lab Ranges, Types of Testing and Your Symptoms & Why High Level Guidance Sets You up for Hormone Success. TOPICS:: ** Reviewing My Latest Hormone Labs With You Part 1 (21:19). ** Lab Ranges, Types of Testing and Your Symptoms (52:08). ** Why High Level Guidance Sets You up for Hormone Success (53:51).   NOTES:: Show notes: amberapproved.ca/podcast/654 Leave me a review at amberapproved.ca/review Email me at info@amberapproved.ca   Take the NEW Free Hormone Imbalance Quiz here: https://amberapproved.ca/hormone-imbalance-quiz    Enroll in the Female Hormone Workshop series starting April 15th! Limited spots available. https://amber-romaniuk.mykajabi.com/female-hormone-health-workshop-series    Subscribe to newsletter: https://amber-romaniuk.mykajabi.com/newsletter-sign-up    SHOW LINKS: Click below to schedule a 30 minute Complimentary Body Freedom Consultation https://amberapproved.ca/body-freedom-consultation/  Take my free Emotional Eating Quiz here: http://amberapproved.ca/emotional-eating-quiz Listen to Episode 291 about what it's like to work with me here: http://amberapproved.ca/podcast/291/ Follow me on Instagram www.instagram.com/amberromaniuk Youtube Channel: https://www.youtube.com/@amberromaniuk/    MY PARTNERS: HERBAL FACE FOOD Stubborn eczema, red spots, aging spots, or acne on your face, chest, arms, or back from hormones or hard water damage? I have something SO amazing for you. Our mineral-heavy water started impacting my skin the moment we moved, and I had never experienced eczema or skin issues in my life. Hard water can strip natural oils, disrupt the microbiome, and weaken the skin barrier — leaving you inflamed, reactive, and stuck in flare-ups. That's exactly what happened to my neck, and within almost two weeks of using Herbal Face Food, my eczema is almost gone. This stuff is legit — and I only share my favorite things that actually work. Their formulas are made with ultra-potent, organic, whole-plant botanicals rich in antioxidants, polyphenols, and phytonutrients that calm inflammation, rebuild the skin barrier, and fight visible signs of aging instead of masking symptoms. The Cure is their most targeted antioxidant treatment designed to visibly improve stubborn concerns like eczema, melasma, rosacea, scarring, sun damage, and deeper signs of aging. The Cream is a deeply hydrating, ultra-potent botanical moisturizer that firms, smooths, strengthens the skin barrier, and helps reduce fine lines and wrinkles. The Soap gently cleanses without stripping, using powerful plant concentrates to protect, nourish, and support healthy, youthful-looking skin on both the face and body. If your skin has been struggling from hormones, environmental stress, hard water damage, or premature aging, I'm sharing exactly what I'm using and why it's working. Shop through my link in the show notes or visit https://herbalfacefood.com/?ref=AMBER88 and use code AMBER88 at checkout for 30% off your entire order.   MY PARTNERS: DEEP MARINE COLLAGEN By calming the immune system and nourishing the tissues of your joints, skin, gut, hair follicles and nail beds DeepMarine Collagen works from the inside out to produce Pain-Free Joints, Glowing Skin, Thicker Hair, Stronger Nails and a Healthy Gut. Canadian Listeners Use AMBER20 to receive 20% off all regular priced items by visiting deepmarine.ca or click the link https://deepmarine.ca/discount/AMBER20 to have the discount automatically applied to your order. Free Single Serve Sachets with select purchases while supplies last.   USA Listeners You can find DeepMarine Collagen on Amazon.com. Discounts will automatically be applied to select purchases.

In the mid-1990s the situation was so bad there was just one breeding pair and about 20 kōkako in the two hectare management area.

In this technical deep dive, Jesse pulls back the curtain on one of the most commonly cited tools in retirement planning—Monte Carlo analysis—explaining what it actually does, how it works under the hood, and why its outputs are often misunderstood. He begins by contrasting Monte Carlo simulations with simpler "static" retirement calculators and deterministic cash-flow projections, showing why modeling thousands of randomized market paths provides a more realistic stress test of retirement outcomes. From there, Jesse walks through the mechanics of Monte Carlo itself—from the concept of running massive numbers of random trials to the different ways simulations generate returns, including historical sampling, block bootstrapping, and statistical distributions like the familiar bell curve. But the heart of the episode focuses on interpretation: why headline numbers like "success rate" and "average wealth at death" can obscure the real story, how sequence-of-returns risk dominates retirement outcomes, and why most Monte Carlo tools fail to capture the dynamic decisions real retirees would make when markets turn against them. Drawing on research from Karsten Jeske ("Big ERN"), Jesse introduces the idea of conditional success rates and explains how early retirement market performance dramatically alters future probabilities. He closes by offering practical ways to read Monte Carlo results more intelligently—examining percentiles, studying failure scenarios, and avoiding modeling mistakes like mishandling inflation—so listeners can use simulations not as crystal balls, but as powerful tools for understanding risk, flexibility, and the wide range of financial futures that retirement may hold.  Key Takeaways: • Monte Carlo simulations model thousands of possible market paths rather than assuming a single average return. • Simple retirement calculators often rely on static assumptions that ignore market volatility. • Success rates can be misleading because they hide how close many outcomes come to failure. • Poor assumptions lead to "garbage in, garbage out" results. • Conditional probability shows how early retirement outcomes influence future success chances. • Reviewing individual "failure" scenarios can reveal what adjustments might save a plan. Key Timestamps: (01:30) – Monte Carlo Basics (06:49) – Monte Carlo in Practice (12:12) – Garbage In, Garbage Out (19:49) – Under the Hood Methods (28:59) – Why Bell Curves Fail (33:39) – Key Inputs: Volatility and Correlation (37:56) – Success and Failure Is Gray (43:01) – Conditional Success Rates (48:51) – Percentiles and Ranges (52:48) – Common Mistakes Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/e121/ https://en.wikipedia.org/wiki/Laplace_distribution https://www.johndcook.com/blog/2019/02/05/normal-approximation-to-laplace-distribution/ https://earlyretirementnow.com/ https://earlyretirementnow.com/2020/07/15/when-can-we-stop-worrying-about-sequence-risk-swr-series-part-38/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

We break down why insulin resistance can build for decades while glucose still looks “normal” and why symptoms often show up long before a diagnosis. We also explain how to use real data from glucose trends, key labs, and cycle awareness to improve metabolic flexibility, fat burning, and hormone balance without obsessing over calories. • the phases of insulin resistance and why hyperinsulinemia hides on standard labs • common early symptoms including hunger, brain fog, insomnia, migraines, hypertension, PCOS patterns, fatty liver signs and inflammation • lab markers to request including fasting insulin, triglycerides, glucose, ALT and uric acid • why overnight blood sugar stability matters for liver function and healing • ideal blood sugar targets including nighttime ranges and spike guidelines • why stable glucose can still mean high insulin from foods like dairy, sweeteners and excess protein • the connection between insulin, meal timing, fasting length and weight loss plateaus • fasting versus caloric deficit including appetite hormones, fat burn, growth hormone and muscle preservation • why the luteal phase can worsen cravings, anxiety and sleep and how to adjust food and training To get notified as soon as groups open up and other updates sign up/subscribe here:https://stacy-baker.mykajabi.com/opt-in-9cffc5f4-f006-4adb-a0a7-6c33a0698b4bResources mentioned:Ketone and Blood Sugar Testing MasterclassKetone TestingRa Optics (Code DRSTACYND) blue light blockersHigher Dose (my FAV sauna blanket with low to no EMF) code DRSTACYCGM *2 months free with code DRSTACYStructured/Living Water *code DRSTACYSpring Aqua (my FAV water system) To work one-on-one with me, you can apply HERE!For more from me, follow me on IG @dr.stacy.ndEpisodes Mentioned: https://podcasts.apple.com/us/podcast/vibing-well-with-dr-stacy-a-foundational-approach/id1611155385?i=1000751328500This information is just that; information only - not to be taken as medical advice. Please contact your primary care before changing anything to your routine. This information is not mean to diagnose, treat, or cure disease.

In this episode of The Derivative, Jeff Malec sits down with Ian Winer, West Point grad and founder of Center 15 Capital, to unpack how modern warfare and national security are being reshaped by drones, AI, and space. Using the recent conflict with Iran as a case study, they explore how cheap one-way attack drones are challenging traditional air defenses, why firing multimillion-dollar interceptors at $15,000 drones is unsustainable, and what a proper layered counter-drone strategy looks like, including jammers, directed energy, and high-powered microwaves. Ian also explains how space-based sensors and AI-driven analysis are shortening the intelligence loop, and walks through Center 15's investments in companies like Shield AI (autonomy for unmanned systems), Epirus (high-powered microwaves for drone defense), Shift5 (cybersecurity for large platforms), and HawkEye 360 (RF detection from space). They close with what keeps Ian up at night, from attacks on civilian infrastructure to cyber risks, and lighten it up with his Mount Rushmore of military movies, from Full Metal Jacket to Red Dawn(yes, the original)...… SEND IT!Chapters:00:00-01:52= Intro01:53-08:59 = Early Lessons from the Iran Conflict: Air Dominance, Drones, Interceptors, and Space-Based Intelligence09:00-18:07= How Cheap Drones Are Reshaping Warfare: Drone Classes, Ranges, and Iran's One‑Way Attack Systems18:08-24:05= Iran's Shahed Drones vs. Western Defenses: Costly Interceptors, Missile Stockpiles, and Broken Defense Incentives24:06-37:20= From Drone Swarms to Force Fields: Venture Investing in Next‑Gen Counter‑Drone Tech37:21-46:42= Directed-Energy ‘Force Fields' and Autonomous Combat Drones: Inside Epirus and Shield AI46:43-57:32= Cybersecurity for Jets, Trains, and Warships: Inside Shift5, Hawkeye 360, and the New Defense Tech Stack57:33-01:11:01= How Defense-Focused VCs Back Critical Tech—and What keeps you up at night & the Mount Rushmore of Military moviesFrom the Episode: When Skynet Writes a Substack: The AI Doom Piece That Moved Markets: https://www.rcmalternatives.com/2026/03/when-skynet-writes-a-substack-the-ai-doom-piece-that-moved-markets/Follow along with Ian on LinkedIn and check out Center15 Capital at center15capital.com for more information!Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.rcmalternatives.com/disclaimer⁠⁠⁠⁠⁠

Send us a message!In this episode we will be covering Facebook Live Questions 2/28-3/15/26  from Dana's free Facebook Group Registered Dietitian Exam Study Group with Dana RD!Check out the Practice Questions Program here.  Grab the Acronym flashcards here.Get the free RD Exam Prep Masterclass here. test out the recorded classes with the Free Trial.  Looking for additional tutoring service? Visit my website! Shop all recorded courses at https://danajfryernutritiontutoring.teachable.comJoin the RD Exam Prep Mastery Program for access to the Situational Practice Questions,  Key Topics Review, Vocab Classes, Wed 8pest Group tutoring , study guides and a new trouble area video each week!Need a Crash Course before your exam? Check out the 4 part Pre-Exam Crash Course: Key Topics Review.

In the Kaimai Mamuku ranges iwi-led conservation projects are tackling pests, removing weeds and planting natives to restore their whenua. Ngāti Hinerangi's Wairere Mahi project has been trapping around the Wairere falls, and restoring a nearby system of lakes. The projects were born from the Jobs for Nature fund established by the government during the Covid-19 pandemic. But with that fund now finished where will the money to support future conservation work come from? The Manaaki Kaimai Mamuku Trust supporting these projects has some ideas. Sign up to the Our Changing World monthly newsletter for episode backstories, science analysis and more.Learn more:Jobs for Nature also supported an iwi-led wetland restoration project just outside Dunedin.In 2024 The Detail spoke to a number of Jobs for Nature supported projects that were nearing the end of their funding.The Turning Point video series followed some of the kaimahi working on different Jobs for Nature projects across Aotearoa.Country Life's Dollars for Nature episode covered the government announcement about voluntary nature credits market. Guests:Louise Saunders, CEO of Manaaki Kaimai Mamuku TrustMohi Korohina, Wairere Mahi project managerHera Denton, GoEcoGo to this episode on rnz.co.nz for more details

Danny Jansen joins the Nation to talk all things Texas Rangers.

Send a textChasing strength isn't about guessing the heaviest plate math you can survive today. It's about picking the right load for the right stimulus so you stack clean reps, build confidence, and show up stronger next week. We dig into the three big ways Powerlifting coaches like to load training: percentages, ranges, and RPE. We break down each method and share where it shines, and where it falls apart.If you want steady strength gains, fewer misses, and cleaner reps that carry to the platform, this conversation gives you the framework: use percentages for basic structure and beginners, ranges for a more tailored approach, and RPE for intelligent auto-regulation. If this helped, follow the show, share it with a training partner, and leave a quick review so more lifters can find it. Thanks for being a part of the Fortis community!Support the showThanks for listening! Please remember to subscribe to the podcast, leave us a rating and share it with your friends so we can continue to grow!-You can now become a Fortis After Hours Supporter by using the link below! This will help support the podcast as we continue to grow and we will give you a shoutout on the next episode after you subscribe as well as give you top priority for different topics or discussions you'd like us to have on the podcast. Thank you for your support!https://www.buzzsprout.com/1369834/support-Follow us on social media for daily fitness and powerlifting content including workouts, helpful tips and client success stories!@fortisfitnessstudio-HOSTED BY@lizribaudo_fortis@nateribaudo_fortis

Chris is back!! Today we answer the simple question - Why do we see a predictable geologic and topographic progression as we drive from flat plains into mountains? We use examples from Michigan to Tennessee, the Canadian Rockies, Glacier, the Bighorns, Colorado, and the Appalachians to walk through a common sequence: we start on broad areas of mostly flat-lying sedimentary rocks (sandstones, shales, limestones) deposited in shallow seas, rivers, intertidal settings, and deserts; as we approach the range, we cross subtle, long-wavelength, low-amplitude folds that are often hard to notice without measurements; then we enter the fold-and-thrust belt where anticlines, synclines, and large thrust faults stack sedimentary packages and create dramatic ridges, valleys, and cliff faces (thin-skinned deformation). We explain how the growing mountain load flexes the plate to form a foreland basin that fills with sediment eroded off the range, typically thickening and coarsening toward the mountains. Farther inboard, we describe how erosion and unloading help exhume deep, high-grade metamorphic “roots” in metamorphic core complexes (gneiss, schist, and other intensely metamorphosed rocks), and how overthickened crust can later relax and extend, aiding exhumation. We also discuss how some mountain belts preserve suture-related features like ophiolite complexes, while others show subduction-related batholiths (e.g., Sierra Nevada, Idaho Batholith), and we note modern analogs such as the Persian Gulf foreland basin.Download the CampGeo app now at this link. On the app you can get tons of free content, exclusive images, and access to our Geology of National Parks series. You can also learn the basics of geology at the college level in our FREE CampGeo content series - get learning now!Like, Subscribe, and leave us a Rating!——————————————————Instagram: @planetgeocastTwitter: @planetgeocastFacebook: @planetgeocastSupport us: https://planetgeocast.com/support-usEmail: planetgeocast@gmail.comWebsite: https://planetgeocast.com/

AP correspondent Donna Warder reports on protests in a Southern California city against ICE training at a local gun range.

Scott and Wes unpack Interop 2026 and the browser features finally aligning across engines, from container style queries and anchor positioning to scroll-driven animations and view transitions. They break down what it all means for day-to-day devs and how close we really are to a fully interoperable web. Show Notes 00:00 Welcome to Syntax! 00:21 What is Interop? Interop GitHub. 02:44 Container Style Queries. 09:32 Brought to you by Sentry.io. 09:57 Anchor Positioning. 12:01 CSS attr(). 15:40 CSS Contrast-color. 19:10 CSS Zoom. 21:36 CSS Custom Highlight API. 24:02 Dialogs and Popovers. 25:44 Fetch Uploads and Ranges. 27:48 IndexedDB. 28:25 JSPI for Wasm. 29:05 Media Pseudo-Classes. 30:00 Navigation API. 31:53 Scoped Custom Element Registries. 32:40 Scroll-Driven Animations. 33:30 Scroll Snap. 36:50 CSS Shape(). 38:25 View Transitions. 41:32 Web Compat. 42:29 WebRTC Improvements. 43:44 WebTransport. 45:44 Investigation Efforts. 46:25 JPEG XL 48:46 Mobile Testing. 49:20 WebVTT. Hit us up on Socials! Syntax: X Instagram Tiktok LinkedIn Threads Wes: X Instagram Tiktok LinkedIn Threads Scott: X Instagram Tiktok LinkedIn Threads Randy: X Instagram YouTube Threads

What's the Best HIT Workout for building muscle and getting shredded?    Smart Strength Austin Founder Skyler Tanner talks about how he's building lean muscle with the latest evidence-based approaches to both the strength training and nutritional aspects of his current regimen.   We dive deep into what the best available research right now can tell you about rep ranges, time under load (TUL), exercise variety, cutting phases, weight vests and bone density, adjusting client workouts and nutrition, and so much more!   Get caught up on what one of the best HIT experts is doing to build lean muscle and improve body composition today — tune in to this one now. ━━━━━━━━━━━━ Get a FREE course to grow your strength training business here ━━━━━━━━━━━━ Get NEW Precision-Engineered MedX Machines here  ━━━━━━━━━━━━ For the complete show notes, links, and resources, click here

In the first Ride Boundless episode of 2026, Me and Osvaldo “Mr. Mayso” from Triggerology come off the range and dive into real talk. We shot pistols, Glocks, shotguns and rifles after a kettlebell sprint workout, then sat down to clean guns and unpack what's really happening with gun rights in California. We break down the latest court rulings — including a federal appeals panel saying California can't ban open carry in big counties under the Second Amendment and how the Supreme Court is weighing limits on gun bans in private spaces. range culture, training talk and politics — it's all here on Ride Boundless. 

In This Hour:SHOT SHOW 2026 From the Caldwell Booth-- New tripods, bipods and clamps from BOG. Zach Smith explains how they help shooters.--  Range USA has 50 shooting ranges across the country, and they plan even more.-- Tom Gresham runs down just a few of the new guns and accessories being shown at the 2026 SHOT Show in Las Vegas.Gun Talk 01.25.26 Hour 2Become a supporter of this podcast: https://www.spreaker.com/podcast/gun-talk--6185159/support.

In this episode, Conor and Bryce make their 2026 predictions and chat about the future!Link to Episode 270 on WebsiteDiscuss this episode, leave a comment, or ask a question (on GitHub)SocialsADSP: The Podcast: TwitterConor Hoekstra: LinkTree / BioBryce Adelstein Lelbach: TwitterShow NotesDate Recorded: 2026-01-13Date Released: 2026-01-23VOTE FOR YOUR FAVORITE ADSP EPISODES OF 2025ADSP Episode 111: C++23 Ranges, 2022 Retro & Star WarsADSP Episode 97: C++ vs Carbon vs Circle vs CppFront with Sean Baxtertrueup Tech Layoffs Trackertrueup Big Tech Employee Countstrueup Important Dates in Modern Tech HistoryArtificial AnalysisThe Psychology of Awakening by Gay WatsonThe Resonance of Emptiness by Gay WatsonPermutation City by Greg EganThe Peterman PodBoris Cherny (Creator of Claude Code) On What Grew His Career And Building at Anthropic (Peterman Pod)PantheonThe Metamorphosis of the Prime Intellect by Isaac AsimovFoundation Series by Isaac AsimovRonot Series by Isaac AsimovIntro Song InfoMiss You by Sarah Jansen https://soundcloud.com/sarahjansenmusicCreative Commons — Attribution 3.0 Unported — CC BY 3.0Free Download / Stream: http://bit.ly/l-miss-youMusic promoted by Audio Library https://youtu.be/iYYxnasvfx8

In this article, biologist Clint Wirick provides an in-depth, technical look at chukar ecology and how birds use the landscapes they inhabit.Check out alclair.com.Read more at projectupland.com.

Cybercrime Magazine deep dives into cyber ranges with thought leaders Lauri Almann, co-founder and Chairman of the Board, and Daz Preuss, COO, at CybExer, providers of Immersive testing and training environments that improve your cybersecurity skills, build your cyber resilience, and reinforce your defences. This episode is brought to you by CybExer. Learn more about our sponsor at https://cybexer.com

Wrapping up the year with real client questions! In this Q&A episode, I'm breaking down three common questions my clients have asked recently:Should you eat before early morning workouts? I explain why pre-workout nutrition matters for muscle building (hint: it's all about muscle glycogen), plus practical ideas for quick-digesting foods when you're training at 5:30 AM.Hitting macro targets vs. macro ranges—what counts? Learn why being within 5-10 grams matters more than you think, and how seemingly small differences can add up to gaining or losing a pound per week.Dealing with bloating and digestive issues? I walk through a comprehensive checklist of potential triggers—from protein powder quality and dairy thresholds to gut imbalances and hormone shifts, so you can identify what's actually causing your symptoms.If you love learning the "why" behind the strategy and want support that truly educates you while building your body, the Create Your Shape program starts January 12th. Enrollment closes January 8th! Join us at jennythenutritionist.com/create-your-shape. [Take the Quiz] What are you missing to Be Fit, Well-Fed, and Fully Energized? Work with Jenny the Nutritionist in Create Your Shape:https://jennythenutritionist.com/create-your-shape/Follow Jenny the Nutritionist on Instagram:@jennythenutritionist

In this shocking exposé, we delve into the disturbing trend of infiltrators spying on churches, gun clubs, and veteran organizations. These seemingly safe spaces are being targeted by individuals and groups with ulterior motives, posing a significant threat to the privacy and security of their members. From undercover operatives to cyber snoops, we'll explore the various methods being used to gather intelligence and compromise the trust of these communities. Join us as we shed light on this alarming phenomenon and discuss the implications for freedom of speech, assembly, and association. With expert insights and real-life examples, this video aims to raise awareness and prompt a call to action to protect these vital institutions from the prying eyes of infiltrators. Whether you're a devout churchgoer, a gun enthusiast, or a veteran, this video is a must-watch for anyone concerned about their rights and freedoms. If you're into preparedness, liberty, and keeping your community safe, this is an episode you don't want to miss.

➢ DM “NY CHALLENGE” To @ ColossusFit to enter our biggest challenge yet. $1000 grand cash prize, guaranteed shirt upon completion and most importantly incredible results.Welcome to Motivation Monday, where every Monday we answer all of your questions and have some real talks about life & fitness & get you fired up for the week! In this episode we talk about the ideal body fat range and what we're doing to prep for the new year.(0:34) - Question 1- What is the ideal bodyfat?-Ideal bodyfat for men: 10-20% is the best health-optimized range. In this range your hormones will be optimized, you have stronger insulin sensitiity and lower risk of health issues.Ideal bodyfat for women: 18-26%For Men Under 10%/ For women under 18% isn't sustainable for 99% of people. Worse pumps, energy, immune system becomes so sensitive and irritability is super present.-Higher than 20% as a man or 26% as a women, You will feel horrible and there is no need to bulk above these ranges. The higher your bodyfat raises, the higher your all cause mortality raises.(16:25) - Josh quote: "Energy flows where intention goes."(19:10) - Kyle quote: Slow motion is better than no motion.”(20:20) - What has us excited or intrigued:(24:49)- Client shoutout: Marc(27:03) - Question 2- I am wondering if I should build muscle or lose fat first? I have been training a few years and am a 15% bodyfat man.(37:28) - Question 3- What are you doing to prep yourself for the the near year? How do you like to close out a year and start a new one.Thanks for listening! We genuinely appreciate every single one of you listening.Email me/ submit a mailbox Monday question contact@colossusfitness.com➢Follow us on instagram @colossusfit➢Apply to get your Polished Physique:  https://colossusfitness.com/

In this shocking exposé, we delve into the disturbing trend of infiltrators spying on churches, gun clubs, and veteran organizations. These seemingly safe spaces are being targeted by individuals and groups with ulterior motives, posing a significant threat to the privacy and security of their members. From undercover operatives to cyber snoops, we'll explore the various methods being used to gather intelligence and compromise the trust of these communities. Join us as we shed light on this alarming phenomenon and discuss the implications for freedom of speech, assembly, and association. With expert insights and real-life examples, this video aims to raise awareness and prompt a call to action to protect these vital institutions from the prying eyes of infiltrators. Whether you're a devout churchgoer, a gun enthusiast, or a veteran, this video is a must-watch for anyone concerned about their rights and freedoms. If you're into preparedness, liberty, and keeping your community safe, this is an episode you don't want to miss.

Maps have always had problems. Five hundred years ago, maps were wildly inaccurate simply because cartographers were drawing the edge of the known world, limited by slow ships and nonexistent satellite data, resulting in continents that were too large, too small, or entirely misplaced. All of those problems have been solved thanks to new technology, but now there are new ones. Even though we know the exact dimensions of Earth, our maps are still "wrong" because we force a three-dimensional globe onto a flat surface, leading to mathematical distortions like the Mercator projection, which wildly exaggerates the size of landmasses near the poles. One map that tries to correct the Mercator projection's distortion of landmass sizes is the Gall-Peters projection, but to achieve this size accuracy, it severely stretches and distorts shapes, particularly near the poles, making Alaska look like a whirlpool or expanding pinwheel. To make it even more confusing, there are maps that were deliberately tweaked to hide government secrets or those drawn with junk data just to trick an enemy into giving up territory. But for today’s guests, Jay Foreman and Mark Cooper-Jones, they enjoy these sort of cartographic oddities. They are the authors of “This Way Up: When Maps Go Wrong and Why it Matters.” We discuss all sorts of maps that went wrong—from the infamous Mountains of Kong—a completely made-up mountain range that ran East-West across the entire African continent--to colonial maps with mathematically impossible borders and US states with fake cities. We also discuss The frequent omissions of New Zealand on maps that use the Mercator projection Maps that will land you in prison depending on which countries claim certain territories Cold War-era Soviet paranoia that falsified virtually all maps for decades on the direct orders of secret police See omnystudio.com/listener for privacy information.

You can find our The Lost Biker Stories book, tool rolls and stickers https://www.thelibertatia.com ______________ Please do leave a comment and share your thoughts. If you've got a story, insight or pictures to share, you can also email hi@tuesdayatdobbs.com Instagram: www.instagram.com/@tuesday_at_dobbs My other YouTube channel: @FreddieDobbs For all of your motorcycle charging requirements, you can check out CTEK's range of products here: https://www.ctek.com ______________ Time Stamps: 00:00 intro 00:40 Motorbike Auctions: Harry's Garage bikes (Kawasaki Z1300, Yamaha XT500) 04:20 A Seven year old Triumph Bobber, or a brand new Royal Enfield Shotgun?08:15: Pricing a custom Indian FTR Rally 13:30 Motorcycle Wraps (Honda Transalp, Honda Africa Twin, CFMoto 450MT) 18:44 bike of the week: Indian FTR Rally

In this episode, I talk with Nick Smoot.   Follow Nick: https://smootfit.substack.com https://www.instagram.com/smoot_fit   Sign up for the newsletter: https://kylehuntfitness.beehiiv.com/subscribe   Coaching: http://www.kylehuntfitness.com/services/   Training Programs: https://kylehuntfitness.shop/collections/programs   Get 10% OFF PR Breaker Supplements: DISCOUNT CODE: "HUNT" at https://www.prbreaker.com/discount/HUNT    

In this foundational episode, Dr. Scott Watier and Tommy Welling explore why fasting insulin may be the most critical yet overlooked health metric for preventing chronic disease and achieving lasting weight loss. They break down insulin's essential roles throughout the body—from brain health and bone growth to muscle building and hormone production—while explaining how insulin resistance silently develops years before diabetes diagnosis. The hosts reveal why standard medical testing focuses on downstream markers like fasting glucose and A1C instead of measuring insulin directly, and they provide practical guidance on how to order your own fasting insulin test for as little as $20. They discuss optimal insulin ranges based on leading researchers, explain the HOMA-IR calculation for assessing insulin resistance, and deliver actionable strategies including time-restricted eating, protein prioritization, zone two exercise, and stress management. This episode empowers you to become your own health advocate by understanding and optimizing this upstream marker that connects to eight of the top ten causes of mortality. ⁠⁠⁠⁠⁠⁠⁠⁠Take the NEW FASTING PERSONA QUIZ! - The Key to Unlocking Sustainable Weight Loss With Fasting!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Resources and Downloads: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SIGN UP FOR THE DROP OF THE ULTIMATE GUIDE TO BLOOD SUGAR CONTROL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GRAB THE OPTIMAL RANGES FOR LAB WORK HERE! - NEW RESOURCE! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FREE RESOURCE - DOWNLOAD THE NEW BLUEPRINT TO FASTING FOR FAT LOSS!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SLEEP GUIDE DIRECT DOWNLOAD⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DOWNLOAD THE FASTING TRANSFORMATION JOURNAL HERE!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Partner Links: Get your⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ FREE BOX OF LMNT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ hydration support for the perfect electrolyte balance for your fasting lifestyle with your first purchase⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠25% off a Keto-Mojo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ blood glucose and ketone monitor (discount shown at checkout)! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Our Community: Let's continue the conversation. Click the link below to JOIN the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Fasting For Life Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, a group of like-minded, new, and experienced fasters! The first two rules of fasting need not apply! If you enjoy the podcast, please tap the stars below and consider leaving a short review on Apple Podcasts/iTunes. It takes less than 60 seconds, and it helps bring you the best original content each week. We also enjoy reading them!

Do you know the best Thyroid tests and lab ranges? The Thyroid governs your metabolism – how fast things work, get used, replaced. Thyroid hormones assist with body temperature, moving the bowels, growing hair, etc. One of its main jobs is governing the burning of fats, part of weight management. If you want to check your labs correctly, here is what to know. Reviewing symptoms of low thyroid function, correct thyroid labs to test, optimal thyroid lab numbers, and how to run thyroid lab tests on your own.

I don't know about y'all but I am so ready for the holiday season. Good food, family time, and it's stout season in my house so I'm loaded up with the latest batch of Breakfast Stout we cooked up. It's the most wonderful time of the year! It's also time for the Homebrew Happy Hour […]

You're frozen. The deadline's approaching. You don't have all the data. Everyone wants certainty. You can't give it. Sound familiar? Maybe it's a hiring decision with three qualified candidates and red flags on each one. Or a product launch where the market research is mixed. Or a career pivot where you can't predict which path leads where. You want more information. More time. More certainty. But you're not going to get it. Meanwhile, a small group of professionals—poker players, venture capitalists, military strategists—consistently make better decisions than the rest of us in exactly these situations. Not because they have more information, but because they've mastered something fundamentally different: they think in probabilities, not certainties. I learned this the hard way—I once created a biometric security algorithm that the NSA reverse-engineered, where I mastered probabilistic thinking perfectly in the technology, then made every wrong bet with the business around it. By the end of this episode, you'll possess a powerful mental toolkit that transforms how you approach uncertainty. You'll learn to estimate likelihoods without perfect data, update your beliefs as new information emerges, make confident decisions when multiple uncertain factors collide, and act decisively even when you can't guarantee the outcome. This is the difference between paralysis and power, between gambling recklessly and betting wisely. What Is Probabilistic Thinking? But what does probabilistic thinking actually entail? At its core, it's the practice of reasoning in terms of likelihoods rather than absolutes—thinking in percentages instead of yes-or-no answers. Instead of asking "Will this work?" you ask "What are the odds this will work, and what are the consequences if it doesn't?" This approach acknowledges that the future is uncertain and that every decision carries risk. By quantifying that uncertainty and weighing it against potential outcomes, you make smarter choices even when you can't eliminate the unknown. The Cost of Demanding Certainty Today's world punishes those who demand certainty before acting. Research from Oracle's 2023 Decision Dilemma study—which surveyed over 14,000 employees and business leaders across 17 countries—found that 86% feel overwhelmed by the amount of data available to them. Rather than clarity, all that information creates decision paralysis. And the paralysis has real consequences. When we can't be certain, we freeze. We endlessly research options, seeking that final piece of data that will guarantee success. We postpone critical decisions, waiting for perfect information that never arrives. Meanwhile, opportunities pass us by, problems grow worse, and competitors who are comfortable with uncertainty move forward. This demand for certainty doesn't just slow us down—it exhausts us. Decision fatigue sets in as we agonize over choices, draining our mental resources until we either make impulsive decisions or avoid deciding altogether. Neither outcome serves us well. What Certainty-Seeking Actually Costs You Here's what it looks like in real life: You're the VP of Marketing. Your CMO wants a decision on next quarter's campaign budget by Friday. You have three agencies to choose from, each with strengths and weaknesses. So you ask for more data. Customer focus groups. Competitive analysis. Agency references. By Wednesday you're drowning in spreadsheets and conflicting opinions. Friday arrives. You still can't be certain which choice is right, so you ask for an extension. Two weeks later, you finally pick one—not because you're confident, but because you're exhausted and the CMO is furious about the delay. The campaign launches late. You've burned political capital. And you still have no idea if you made the right choice. Meanwhile, your competitor's marketing VP looked at the same decision, spent two hours assessing the probabilities, and launched on time. If it works, great. If it doesn't, they'll pivot. They didn't need certainty. They needed enough information to make a good bet. That's the tax you pay for demanding certainty: missed timing, exhausted teams, and decisions made from fatigue rather than judgment. Meanwhile, a small group of professionals thrives in these exact conditions. Professional poker players like Annie Duke understand that good decisions sometimes lead to bad outcomes and bad decisions sometimes get lucky—so they judge their choices by process, not results. Venture capitalists often see that most of their investments will fail, but they bet anyway because one success out of twenty can return the entire fund. Military strategists make life-and-death decisions with incomplete intelligence, not because they're reckless, but because waiting for perfect information means defeat. The difference isn't access to better information. It's the willingness to act on probabilities rather than certainties. How To Make Better Decisions When Nothing Is Certain So how do you actually develop this skill? It's more accessible than you might think. Here are clear strategies to transform how you process uncertainty and make decisions. Think in Ranges, Not Points The first shift in probabilistic thinking is abandoning single-number estimates for ranges of possibility. When most people predict an outcome, they pick one number: "Sales will be $500,000 next quarter" or "This project will take three months." But the world doesn't work that way. Every estimate carries uncertainty, and pretending otherwise sets you up for failure. Professional forecasters think differently. They don't ask "What will happen?" They ask "What's the range of plausible outcomes, and how likely is each?" This approach forces you to acknowledge what you don't know while still making useful predictions. Watch a professional poker player deciding whether to call a bet. They're not thinking "Do I have the best hand?" They're thinking "Given what I've seen, maybe 35% chance I have the best hand, 20% chance my opponent is bluffing, 45% chance they've got me beat." They act on probabilities, not certainties. Steps to implement range thinking: Replace point estimates with probability ranges. When making any prediction, state a range instead of a single number. Instead of "We'll close 50 deals," say "We'll likely close 40-60 deals, with a small chance of 30-70."   Assign rough percentages to your ranges. You don't need mathematical precision—just honest self-assessment. Estimate: "60% chance of 40-50 deals, 30% chance of 50-60, 10% chance outside that range." This forces you to think about likelihood, not just possibility.   Track your estimates against actual outcomes. Keep a simple log of your predictions and what actually happened. Over time, you'll discover if you're consistently over-optimistic, over-cautious, or actually well-calibrated. This feedback loop is how you improve.   Update Your Beliefs with New Evidence One of the most powerful aspects of probabilistic thinking is treating your beliefs as hypotheses, not conclusions. When new information emerges, skilled thinkers update their probability estimates rather than clinging to their original position. This practice—called Bayesian updating after the mathematician Thomas Bayes—is how professionals stay accurate in changing environments. Consider a doctor diagnosing a patient with intermittent chest pain. Initially, based on the patient's age and health history, she estimates a 15% probability of heart disease. Then the EKG comes back with minor abnormalities—not definitive, but concerning. She updates her estimate to 35%. Blood work shows elevated cardiac markers. Now she's at 65%. Each piece of evidence shifts the probability, but none gives absolute certainty. She doesn't wait for 100% certainty to act—she orders more tests and starts precautionary treatment based on her updated 65% estimate. That's Bayesian thinking in action. Financial firms continuously adjust their models as new data arrives. Weather forecasters update storm predictions hourly. In my own work building biometric security systems, we updated our false acceptance and rejection rates constantly—but I failed to apply that same updating framework to the business model itself. The enemy of updating is confirmation bias—our tendency to accept information that supports our existing beliefs and dismiss information that contradicts them. When you're emotionally invested in being right, you'll unconsciously filter evidence to protect your original view. Steps to update your thinking: Start with a baseline probability before you have strong evidence. If you're launching a new product, estimate: "Based on what I know about similar products, there's maybe a 40% chance this succeeds." That's your prior—your starting point before specific evidence comes in.   When new information arrives, ask: "How much should this change my estimate?" Not all evidence is equal. Strong evidence—like actual customer purchases—should move your probability significantly. Weak evidence—like one person's opinion—should barely budge it.   Separate the quality of a decision from the quality of the outcome. This is crucial. A good decision based on sound probabilities can still result in a bad outcome due to chance. Conversely, a terrible decision can get lucky. Judge yourself on whether you correctly assessed the probabilities and acted accordingly, not on whether you "got it right" this time.   Actively seek disconfirming evidence. Force yourself to look for information that contradicts your current view. If you think your strategy will work, deliberately search for reasons it might fail. This counteracts confirmation bias and gives you a more accurate probability estimate.   Make Decisions by Expected Value Probabilistic thinking isn't just about estimating odds—it's about acting on them. The concept of expected value gives you a framework for making decisions when outcomes are uncertain. Expected value multiplies each possible outcome by its probability, then adds them together. It's how professionals decide whether a bet is worth taking. Here's why it matters: sometimes a decision with a low probability of success is still the right choice if the potential payoff is enormous. Venture capitalists know that perhaps 18 out of 20 startups in their portfolio will fail or return little money. But that one company that becomes the next Airbnb or Uber can return 100x their investment—more than covering all the losses. That's positive expected value thinking. Conversely, decisions that seem "safe" can be terrible bets. Playing it safe might give you a 90% chance of mediocre success, but if that 10% downside risk includes catastrophic consequences, the expected value might be negative. This is why you buy insurance: the probability of your house burning down is low, but the cost if it happens is devastating. Think about a parent choosing between schools for their child. Public school is free but overcrowded. Private school costs $20K/year with smaller classes but adds an hour of family stress daily. Charter school is free with innovative curriculum but it's a first-year program with unknowns. There's no guarantee. The better question is expected value: "Given the probabilities and what matters most to us—academic success, family time, financial stability—which bet has the best expected outcome?" Steps for expected value decision-making: List all plausible outcomes for your decision, not just the best and worst. For a job offer, don't just think "great career move" versus "terrible mistake." Consider: "Modest improvement (40%), breakthrough opportunity (20%), lateral move (25%), step backward (10%), complete disaster (5%)."   Assign a rough value to each outcome. This doesn't have to be money—it can be career satisfaction, life quality, time saved, or any currency that matters to you. The key is making the values comparable across outcomes.   Multiply each outcome's value by its probability, then add them up. This gives you the expected value. If the positive expected value option has meaningful downside risk, ask: "Can I survive the worst case?" If yes, it's usually the right bet.   Remember: expected value is about long-term results, not single instances. If you make a high expected value bet and it fails, that doesn't mean you were wrong. Over many decisions, following expected value will outperform any other approach. Trust the math, not the emotional reaction to one outcome.   Practice: The Probability Forecast Journal A practical way to develop your probabilistic thinking is to keep a Probability Forecast Journal. This exercise builds calibration—your ability to accurately assess how confident you should be in your predictions. Here's how to implement it: Choose three areas where you regularly make predictions. These could be work-related (project timelines, sales numbers), personal (will your flight be delayed), or current events (election outcomes).   Each week, make five specific, testable predictions. Write down the prediction and assign a probability. For example: "70% chance the client approves our proposal by Friday" or "85% chance our website traffic increases this month."   After each prediction resolves, record the actual outcome. Did the thing you said had a 70% chance of happening actually happen? Don't judge yourself harshly on any single prediction—remember that a 70% prediction should fail about 30% of the time.   Monthly, analyze your calibration. Look at all predictions where you said "70% confident"—did roughly 70% of them come true? If you're consistently overconfident, you need to adjust. If you're underconfident, you're being too cautious.   The goal isn't perfection—it's calibration. After several months of this practice, you'll notice your ability to assess probabilities improves dramatically. You'll know when you're 60% sure versus 90% sure, and you'll make better decisions as a result. The Rewards Mastering probabilistic thinking is a journey, not a destination. It requires practice, humility about what you don't know, and the courage to act despite uncertainty. But the rewards are substantial. When you think probabilistically, you make faster decisions because you're not paralyzed waiting for certainty that will never come. You become more resilient to failure because you understand that good decisions sometimes have bad outcomes—and that's not a reason to change your approach. You'll find yourself taking calculated risks that others avoid, capturing opportunities that demand action before perfect information arrives. You'll waste less time second-guessing yourself because you've already thought through the probabilities and made your peace with uncertainty. You'll explain your decisions more clearly to others because you can articulate not just what you think will happen, but how confident you are and why. Most importantly, you'll stop confusing confidence with correctness. In a world obsessed with appearing certain, probabilistic thinkers have the courage to say "I'm 65% sure, and that's enough to act." That honesty—with yourself and others—is the foundation of better judgment. Want to see what happens when you master probabilistic thinking in one domain but fail to apply it in another? I wrote about my experience creating a fingerprint recognition algorithm that the NSA reverse-engineered—where I got the technical probabilities right and the business bets completely wrong. [Read the full story here](link to substack). The future will always be uncertain. The question is whether you'll be paralyzed by that uncertainty or empowered by it.   If this helped you think differently about decision-making, I'd really appreciate it if you'd hit the like button and subscribe—it genuinely helps others find this content through the algorithm. And click that notification bell so you don't miss the next episode in this series. If you want to go deeper, I share the behind-the-scenes thinking, mistakes, and extended stories over on Studio Notes on Substack. Paid subscriptions help cover the costs of the team who makes all of this possible—the editing, research, and production work that gets these episodes to you each week. None of it comes to me; it all goes to supporting them. Without this team, there'd be no podcast, no YouTube channel, no articles. So if you find value in this work, that's a meaningful way to keep it going. The future will always be uncertain. The question is whether you'll be paralyzed by it or empowered by it.   Sources Cited In This Episode Oracle Decision Dilemma Study (2023) - Survey of 14,000+ employees and business leaders across 17 countries on data overwhelm and decision paralysis. https://www.oracle.com/uk/cloud/decision-dilemma/ Thinking in Bets - Duke, A. (2018). Portfolio. On judging decisions by process, not outcomes. https://www.penguinrandomhouse.com/books/552885/thinking-in-bets-by-annie-duke/ How to Improve Bayesian Reasoning Without Instruction: Frequency Formats - Gigerenzer, G. & Hoffrage, U. (1995). Psychological Review, 102(4), 684-704. On updating beliefs with evidence. Prospect Theory: An Analysis of Decision under Risk - Kahneman, D. & Tversky, A. (1979). Econometrica, 47(2), 263-291. Prospect Theory foundations.

Yes, you're seeing things correctly – this is episode 451 of the Homebrew Happy Hour podcast!… THE home brew #podcast where we answer all of your home brewing questions and discuss anything related to craft beer! Where did episode 450 go (as Todd insufferably asked multiple times this week)? We did a celebratory Brew Day […]

From 'Rico Brogna' (subscribe here): After losing Saturday's game at home in what may be the worst loss of the season, can the Mets actually stop this 8 game losing streak? It feels like a no, but that's why they play the games. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

#245: Ever wonder what points are really worth? I'll break down the different types of points, how to calculate their value, and the biggest mistakes people make along the way. You'll also learn when cash back might be the smarter choice and my personal card strategy for maximizing credit card rewards. Link to Full Show Notes: https://chrishutchins.com/what-are-your-points-worth Partner Deals Gelt: ⁠Skip the waitlist on personalized tax guidance to maximize your wealth Fabric: ⁠Affordable term life insurance for you and your family MasterClass: ⁠Learn from the world's best with 15% off Bilt Rewards: Earn the most valuable points when you pay rent DeleteMe: ⁠20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards Mesa Homeowners Card (Referral code: FCRGNB) Atmos™ Rewards Summit Visa Infinite® card Robinhood Gold Card Bilt World Elite Mastercard® (Rates and Fees here) U.S. Bank Altitude® Connect Bank of America® Premium Rewards® Bank of America® Premium Rewards® Elite Wells Fargo Autograph℠ Card American Express® Gold Card American Express® Business Gold Card American Express® Green Card Amazon Prime Visa Card Capital One Venture Rewards Credit Card Capital One Venture X Rewards Credit Card Citi Strata Premier℠ Card Citi Strata Elite℠ Card Citi® Double Cash Card U.S. Bank Smartly™ Visa Gemini Credit Card Expert Points Valuations The Points Guy One Mile at a Time Frequent Miler Award Search Tools Points Path Chrome Extension Award Wallet Gondola (Get $50 here) Award Ticket Change and Cancellation Fees ATH Podcast ⁠⁠Free Webinar: 5 Must-Know Tax Moves for Business Owners Chris' Card Value Optimization Tool Membership Ep #244: How I Saved $10,000+ on Luxury Hotels Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (00:50) Why We're in the Golden Age of Points and Miles (04:06) The Different Types of Points (06:04) Unlocking Value With Transfer Bonuses (07:58) Fake Points and What to Avoid (08:34) Why Knowing the Value of Points Matters (10:12) Comparing Points vs. Cash Back (13:26) Quick Episode Overview (14:38) Calculating the Floor Value of Points (16:47) Expert Points Valuation (19:26) Tools and Data for Valuing Points (21:55) Booking Domestic vs. International vs. Business Class Flights (24:27) Flight and Hotel Redemption Takeaways (29:33) Leveraging Gondola to Book Hotels (32:24) How to Get More Value From Hotel Points (34:17) Why Hotel Points Still Hold Value (35:12) Minimums, Maximums, and Ranges (36:20) How to Calculate Your Personal Value (41:18) Chris' Rule of Thumb for Booking Award Flights (44:06) Key Caveat of Award Redemptions (46:20) Value of Earning Points vs. Cash Back (49:40) When Should You Buy Hotel and Airline Points? (52:46) The Bottom Line on Buying Points (53:31) How to Value Transferable Points (55:17) The Psychology Behind Buying Points (56:34) Leveraging Chris' Card Optimizer Tool (58:54) Earning Points Across Other Major Categories (01:01:45) Cash Back Cards That Earn More Than 2% (01:05:56) Recap: Point Purchases on Cards (01:07:31) Recap: What Your Points Are Worth (01:08:51) Making the Case for Earning Points Everywhere Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

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