Podcasts about Ratio

Trying to qualify for a loan or boost your creditworthiness? Your debt-to-income ratio (DTI) plays a crucial role. Kris Krohn simplifies how DTI works and shares actionable steps to improve it. Learn the strategies that make you more appealing to banks and lenders, so you can grow your real estate portfolio or get better financing.

Welcome back, everyone! Today, we continue with part three of our eight-part mineral series, focusing on the crucial sodium-to-potassium ratio. In this episode, I explore the fundamental role this ratio plays in your body's cellular function, adrenal health, stress response, and emotional well-being. The sodium-to-potassium ratio, often referred to as the 'vitality ratio' or 'stress ratio,' is essential for maintaining balance within our cells. We'll discuss how high ratios can indicate acute stress and inflammation, manifesting in symptoms like high blood pressure, water retention, and emotional volatility. On the other end of the spectrum, low ratios often point to chronic immune challenges, persistent fatigue, and even hidden traumas. These imbalances can have far-reaching effects on your kidney and liver health, and understanding them can uncover a lot of vital information about both physical and emotional health. I also touch on practical steps you can take to address these imbalances, including the free Morning Mineral Mocktail Guide and how to get a Hair Tissue Mineral Analysis (HTMA) to get personalized insights and actionable plans. Tune in for a comprehensive understanding of how maintaining the right sodium to potassium balance can really be a game changer for our adrenal health, energy levels, and even our emotional well-being. Whether you're struggling with chronic stress, inflammation, or just want to optimize your energy and overall health, this episode is packed with vital information to guide you on your health journey.Disclaimer: This information is being provided to you for educational and informational purposes only. It is being provided to educate you about how to take care of your body and as a self-help tool for your own use so that you can reach your own health goals. It is not intended to treat or cure any specific illness and is not to replace the guidance provided by your own medical practitioner. If you are under the care of a healthcare professional or currently use prescription medications, you should discuss any dietary changes or potential dietary supplement use with your doctor, and should not discontinue any prescription medications without first consulting your doctor. This information is to be used at your own risk based on your own judgment. If you suspect you have a medical problem, we urge you to take appropriate action by seeking medical attention.Connect with Sophie: Instagram: @shetalkshealthWebsite: shetalkshealth.comApply to work with us: www.shetalkshealth.com/callCourses and workshops: https://shetalkshealth.com/courses-and-workshops/Additional Resources:Get Your Own Hair Tissue Mineral Analysis: http://www.shetalkshealth.com/htmaSHE Thrives: https://shetalkshealth.com/she-thrives-2/Morning Mineral Mocktail: http://www.shetalkshealth.com/mineral-mocktail-guide/Book a Consultation Call with Sophie:

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, we are talking about the different payout ratios: Dividend Payout ratio cash payout ratio distributable payout ratio funds from operations payout ratios (FFO) It's all about dividend growth investing! Get the 20 income products guide for retirees: https://retirementloop.ca/retirement-income/ Get your Investment roadmap: https://dividendstocksrock.com/roadmap Download the Rockstar list here: https://moosemarkets.com/rockstars

On this episode of Vitality Radio, Jared is joined by Monique Wellise, Director of Education at Natural Factors. Together, they explore one of Jared's Vital 5 supplements—Omega-3 fatty acids. You'll learn why Omega-3s are so critical for cell membrane health, why our modern diets leave most of us deficient, and how the ratio of Omega-3 to Omega-6 can make or break your body's inflammation balance. From dry eyes and joint discomfort to cardiovascular and cognitive health, they break down why Omega-3s are so foundational, and how to choose a clean, well-sourced product. They also cover vegan sources, algae oil, and flax, and why the form and dosage of your Omega-3 really matters. Whether you're confused by Omega-3, 6, and 9, wondering if your fish oil is doing any good, or looking to cut through marketing hype, this conversation will give you clarity and confidence.Products:Vital 5 Omega-3 + AntioxidantsNatural Factors RX Omega-3 Ultra StrengthNatural Factors RX Omega-3 Mini SoftgelsNatural Factors Whole Earth & Sea Marine Algae DHABarlean's High Potency Omega-3 - LiquidAdditional Information:omega3scores.com Visit the podcast website here: VitalityRadio.comYou can follow @vitalitynutritionbountiful and @vitalityradio on Instagram, or Vitality Radio and Vitality Nutrition on Facebook. Join us also in the Vitality Radio Podcast Listener Community on Facebook. Shop the products that Jared mentions at vitalitynutrition.com. Let us know your thoughts about this episode using the hashtag #vitalityradio and please rate and review us on Apple Podcasts. Thank you!Just a reminder that this podcast is for educational purposes only. The FDA has not evaluated the podcast. The information is not intended to diagnose, treat, cure, or prevent any disease. The advice given is not intended to replace the advice of your medical professional.

What if your first day of school wasn't just nerve-wracking, but something you'd spent your entire life preparing for? That's the reality for Auggie Pullman, the main character in Wonder (2017), a film that tells the story of a young boy with facial differences entering a mainstream school for the first time. In this episode, host Kevin Stoller, co-host Carla Cummins, and guest speaker Brian Proctor took a deep dive into the film - not just as a touching family drama, but as a case study in education. From peer relationships to teacher support to the role of school culture, Wonder gives us a lens through which we can evaluate how schools succeed - or fail - in creating inclusive, student-centered environments. The panel explores the film's central themes of belonging, identity, and the dynamics of family and friendship. They dive into character development, examining how each person - Auggie, his sister Via, classmates like Jack Will, and school leaders - represents a different experience with acceptance and adversity. The conversation also touches on kindness, leadership, bullying, and the growing influence of social media in school dynamics. Guest Brian Proctor, who transitioned from education leadership to a role in school architecture, shares his perspective on how physical space contributes to emotional safety and inclusion.   Takeaways: Family dynamics play a crucial role in shaping children's emotional and social growth. The principal's leadership style showcases how kindness and character education can take priority over rigid rule enforcement. Quotes from the film, like “When given the choice between being right and being kind, choose kind,” leave a lasting emotional impact. Social media is a double-edged sword—it can amplify support, but also bullying, shaping students' daily realities.     About Brian Proctor: With 25 years of experience in public education, Brian Proctor joined Ratio as an Associate Principal and Education Planner, bringing new perspectives and thought processes to projects as he serves as a bridge between K12 clients and design teams. Brian offers unique and relevant insights based on his first-hand experience within education organizations, including years of leadership as an elementary school principal and as a key contributor to the design and development teams of multiple school renovation and construction projects. Drawn to Ratio's values-driven culture and community-focused team, Brian shares a passion for personal growth and positive impact. He connects people through fun and energetic communication that comforts and engages and encourages active participation. His work focuses not only on the social and emotional wellbeing of students and staff, but also on purposeful design that supports all learners. By simplifying situations and spaces – reducing barriers and minimizing anxiety – schools become fun and nurturing spaces where kids feel a sense of autonomy and support, and love to learn. Brian is a caring and energetic connector who gains his own personal fulfillment by sharing with others and spreading joy – often supported by a closet full of entertaining costumes. Devoting as much time as he can to gathering with family and friends, Brian is dedicated to cultivating partnerships, nurturing relationships, and building better communities – and to taking life one day at a time, making sure to stop along the way to have fun.   “If we're asking teachers and kids to be innovative in their learning and problem solving, then we need to be innovative too.”     Learn More About Brian Proctor: LinkedIn: https://www.linkedin.com/in/brianproctor2022/       Connect with host, Kevin Stoller: LinkedIn: https://www.linkedin.com/in/kevinstoller/   Connect with co-host, Carla Cummins: LinkedIn: https://www.linkedin.com/in/carla-cummins-01449659/   Learn More About Kay-Twelve: Website: https://kay-twelve.com/ LinkedIn: https://www.linkedin.com/company/kay-twelve-com/ Instagram: https://www.instagram.com/kay_twelve/       Episode 237 of the Better Learning Podcast Kevin Stoller is the host of the Better Learning Podcast and Co-Founder of Kay-Twelve, a national leader for educational furniture. Learn more about creating better learning environments at www.Kay-Twelve.com.     For more information on our partners: Association for Learning Environments (A4LE) - https://www.a4le.org/ Education Leaders' Organization - https://www.ed-leaders.org/ Second Class Foundation - https://secondclassfoundation.org/ EDmarket - https://www.edmarket.org/ Catapult @ Penn GSE - https://catapult.gse.upenn.edu/ Want to be a Guest Speaker? Request on our website

Where does your brain go when you think the words perfection salad? I imagine, the first thing you think of is celery, apple juice and pimentos all encased in a thick layer of gelatin… Cause OBVIOUSLY, that is perfection, right?Have you ever skimmed through an old cook book and wondered what the hell was going on in the 50s, 60s, and 70s? Well, I have! So that's why it's Snack Attack time. We look at dozens of “delicious” recipes from yesteryear including but not limited to: chicken en gelee, shrimp singapore, jellied veal rings, and of course, non fattening laxative mayo.. My stomach is just rumbling thinking of these delicacies…PATREON EXCLUSIVE: we discuss Sublime's hit Caress Me Down, Alexander the Great, and the rise of facism amongst other things. Important stuff all around…EtsyPatreonLinktreeInstagram:@ruining_your.childhood@feral_williams@aralessbmn@blackmagicnoize206@strangeloopanimation

#HRhelpdesk #IndiaHRGuide #Mandeep Singh an HR expert with 24 years of experience, explains the ideal HR to employee ratio and how to determine the right size for your HR team. He clarifies who should be counted as an HR practitioner, excluding recruitment and dual-role employees, and confirms that HR leaders are included. Sharing industry benchmarks for manufacturing and knowledge sectors, Mandeep highlights the impact of technology on HR staffing. He emphasizes that HR professionals should spend 2-3 hours daily coaching, mentoring, and providing solutions to employees. This video offers practical guidance to build an effective and balanced HR function. 

Amazing show this week with our favorite maple syrup chugging friend from Vermont, Binya Outdoors on the casting couch - ERRRR Guest Cohost Chair! ake advantage of our new ambassador roll with Ark! Use Code JIGSANDBIGS to save 10% on Rods, Reels, and Baits too! https://arkrods.com/JIGSANDBIGSJ&B June Multi Species Scavenger Hunt: https://share.fishingchaos.com/tournament/fBJvQQmnNjVwaOpJ7QIwJ&B June No Limit Slot Tourney: https://share.fishingchaos.com/tournament/wy44HGz2lIPlMbO7HK0HWant to support the show?BECOME A JIGHEAD HERE:https://rebrand.ly/bf8612And/OrBuy me a coffee here: https://buymeacoffee.com/jigsandbigsSubscribe to J&B on YouTube: https://www.youtube.com/channel/UCQgjclBaAYEl0Xrw9JKYNQgSubscribe to American Vet Fishing on YouTube:https://www.youtube.com/@american_vet_fishing8741BUY HEAT YOUR MEAT: https://heatyourmeat.net/Call the J+B Hotline! 1+ (413) 324-8519Or email jigsandbigs413@gmail.com(Questions, comments, FTG, Stories from the bait shop, Broke on the Boat submissions, and more)Check out our LINKTREE: https://linktr.ee/jigsandbigsThanks to our Show Partners!- Hookset Hoodlums - https://www.hooksethoodlums.com - Use code JIGSANDBIGS10 for 10% off at checkout!!!- Dark Horse Tackle - https://darkhorsetackle.com?sca_ref=4963595.Ulm8078KDd [Save 15% off your first box in a Weekend Warrior or Dabble Pack month-month subscription using code JIGSANDBIGS15 at checkout or put together a BYOB and use the code JANDBBYOB25! - Omnia Fishing - https://omnia.direct/OmniaE-GiftCard [Save 15% off your FIRST order at Omnia Fishing!]- A-Bay Lure - https://abaylure.com [Use code Jigsandbigs to save 20% on your entire order]- Bay House Apartment - https://shorturl.at/fpRX8- The Ship Motel - https://theshipmotel.com/- Reaction Tackle - https://www.reactiontackle.com/JIGSANDBIGS- Three Belles Outfitters - https://rebrand.ly/zsdnchi- Torege Polarized Sunglasses - https://rebrand.ly/i2cqymx [Use code jigsandbigs10 to save 10% at checkout!]

his week's episode of the Dollars & Sense Financial Podcast dives deep into two crucial financial topics: the emotional and logistical challenges of retirement and the shifting dynamics of the housing market. Hosts Joel Garris and Chet Cowart explore the often-overlooked aspects of retirement, from combating loneliness to crafting a meaningful routine. They also analyze the current real estate landscape, highlighting the imbalance between buyers and sellers and offering actionable advice on mortgages, loan terms, and navigating interest rates. Whether you're approaching retirement or considering a home purchase, this episode is packed with expert insights and practical advice to help you make informed decisions. Joel and Chet provide real-world examples, discuss pivotal statistics, and offer solutions that go beyond the numbers, emphasizing the importance of personal conversations in financial planning. 

Светлини в мрака и мисии в космоса - в новия епизод на Ratio Weekly ви отвеждаме отвъд границите на нашата планета – и още по-далеч. Космосът ни даде много поводи за размисъл тази седмица, от човешки провали и постижения до мистериозни открития в дълбокия мрак на Слънчевата система – и дори вътре в самите нас. • Японската лунна мисия се разби - очакванията към японския лунен апарат SLIM бяха големи – да докаже нов подход за прецизно кацане на Луната. Вместо това мисията завърши със зрелищен сблъсък. Какво доведе до провала и какви уроци оставя след себе си за бъдещите лунни мисии? • AX-4 – последният Crew Dragon полет към МКС? - SpaceX дебютира петия и последен кораб Crew Dragon в рамките на мисията Axiom-4. В екипажа има както ветерани, така и първия турски астронавт. Но стартът беше отложен – защо NASA и партньорите ѝ задържат мисията и какво предстои за частните полети до Международната космическа станция? • Открита е нова планета джудже – учени откриха нов обект в периферията на Слънчевата система – още една планета джудже, която може да даде ключови улики за формирането на нашата планетна система. Какво знаем за нея и как това променя представите ни за "края" на Слънчевата система? • Мистериозната светлина на живота – човешкото тяло излъчва слаба светлина, невидима за окото – биофотони. Нови изследвания разглеждат ролята им във вътрешната комуникация между клетките. Дали телата ни наистина „светят“ отвътре – и какво означава това за медицината и разбирането на самия живот?

Dr. Phil Cardoso and Dr. Adam Lock of Michigan State University discuss Dr. Lock's recent study on the effect of supplementing two major fatty acids, palmitic and oleic acid, in different ratios on milk production in high-, medium- and low-producing cows.Links to papers mentioned in this episodeWestern et al. 2020, Milk production responses to altering the dietary ratio of palmitic and oleic acids varies with production level in dairy cows. DOI: https://doi.org/10.3168/jds.2020-18936 https://pubmed.ncbi.nlm.nih.gov/33069410/de Souza et al. 2019, Altering the ratio of dietary C16:0 and cis-9 C18:1 interacts with production level in dairy cows: Effects on production responses and energy partitioning. DOI: 10.3168/jds.2019-16374https://pubmed.ncbi.nlm.nih.gov/31495626/Lock et al. 2006, Concepts of fat and fatty acid digestion in ruminants. https://www.researchgate.net/publication/266499830_Concepts_of_fat_and_fatty_acid_digestion_in_ruminantsBurch et al 2020, Milk production responses of dairy cows to fatty acid supplements with different ratios of palmitic and oleic acid in low- and high-fat basal diets. Abstract #175 in https://www.adsa.org/Portals/0/SiteContent/Docs/Meetings/2020ADSA/ADSA2020_Abstracts.pdf?v20200708.

Подкрепете подкаста: https://www.patreon.com/2n200podcastНикола Тулечки е лингвист, експерт по данни в "Онтотекст", част от екипа на Factcheck.bg , Ratio podcast и един от основателите на Сдружение "Данни за Добро".

Hosťom Štefana Chrappu je Jozef Filko iniciátor modlitby ruženca mužov a predseda nadácie Fides et Racio. Reč je o modlitbe ruženca ako aj o novej knihe o pápežovi Levovi XIV., ktorá vznikla iba niekoľko dní po konkláve. | Hosť: Jozef Filko (iniciátor Ruženca mužov, správca nadácie Fides et Ratio). | Moderuje: Štefan Chrappa. | Tolkšou Hosť sobotného Dobrého rána pripravuje Slovenský rozhlas, Rádio Slovensko, SRo1. Reláciu vysielame každú sobotu po 8. hodine.

The Family as a Fundamental Building Block of Society: Vision of the Church The Catholic Church has long taught that the family is the fundamental Continue reading The post Litany of St. Joseph: A Role Model for Fathers Today I appeared first on Fides et Ratio.

In part two of Red Eye Radio with Gary McNamara and Eric Harley, Democrats play the "ratio game" by making skewed numbers of comparisons of how many cars burned vs, those not burned..in ALL of California. Also hilarious headlines from the Babylon Bee, interviews from local LA TV stations demonstrating the insanity of LA residents and Deputy Mayor of LA accusing federal agents of being terrorists .. and BREAKING NEWS as an Air India flight A-171 bound to London with some 200 on board, crashes minutes after takeoff. As of this writing no details on casualties or other information. For more talk on the issues that matter to you, listen on radio stations across America Monday-Friday 12am-5am CT (1am-6am ET and 10pm-3am PT), download the RED EYE RADIO SHOW app, asking your smart speaker, or listening at RedEyeRadioShow.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome back, everyone! Today, we're picking back up with part 2 of our eight-part series on mineral balancing, where we'll go over the importance of the calcium-to-phosphorus ratio from a Hair Tissue Mineral Analysis (HTMA). To get started, I define fast and slow oxidation and how these states affect your metabolism, energy levels, and nervous system balance. I also explain how to identify these states through lab data like the HTMA test and what steps you can take to bring your body back into balance. Whether you have a fast thyroid and adrenal activity or are experiencing sluggish metabolism and adrenal fatigue, this episode will shed light on why you might feel the way you do. I provide insight into the calcium-to-phosphorus ratio and how it directly relates to your autonomic nervous system, helping you understand your body's natural speed setting. To help you along your journey, I'm also offering some fantastic free resources, like the Morning Mineral Mocktail guide, perfect for those who need an energy boost in the mornings. If you want more personalized insights, I also share how you can get your HTMA test and receive a complete video interpretation tailored to your specific needs. Whether you feel wired and stressed or constantly exhausted, this episode will provide the essential insights and practical steps you need to move toward a more balanced and energetic life. Don't miss it as we continue our journey through learning about mineral balancing! Disclaimer: This information is being provided to you for educational and informational purposes only. It is being provided to educate you about how to take care of your body and as a self-help tool for your own use so that you can reach your own health goals. It is not intended to treat or cure any specific illness and is not to replace the guidance provided by your own medical practitioner. If you are under the care of a healthcare professional or currently use prescription medications, you should discuss any dietary changes or potential dietary supplement use with your doctor, and should not discontinue any prescription medications without first consulting your doctor. This information is to be used at your own risk based on your own judgment. If you suspect you have a medical problem, we urge you to take appropriate action by seeking medical attention.Connect with Sophie: Instagram: @shetalkshealthWebsite: shetalkshealth.comApply to work with us: www.shetalkshealth.com/callCourses and workshops: https://shetalkshealth.com/courses-and-workshops/Additional Resources:Get Your Own Hair Tissue Mineral Analysis: http://www.shetalkshealth.com/htmaSHE Thrives: https://shetalkshealth.com/she-thrives-2/Morning Mineral Mocktail: http://www.shetalkshealth.com/mineral-mocktail-guide/Book a Consultation Call with Sophie:

Ако това, което правим, ви харесва, вижте как можете да подкрепите Ratio тук: ratio.bg/support/ Любомир Бабуров, Александър Попов и Стоян Ставру обсъждат: - Чака ли ни Вселената? - Какво представлява „възвисяването на животните“? - Как еволюират паяците? - Каква е съдбата на филолозите? - Какво представлява „клеймото на Кайн“ и защо просто не можем да живеем заедно, без да се нахвърляме един върху друг? - Каква е разликата между простия разказ и Разбирането? - Може ли сътрудничеството да доминира над агресията… без използването на феромони? - Кои са децата на времето? - Има ли сираци във времето? - Товар ли е миналото и колко е важен индивидът? - Страшна ли е смъртта и каква е ролята на поколенията? - Има ли пазар за… старостта? - До къде стига „пандемията на разума“? - Какво може да каже за живота си един фотон? - Възможна ли е емпатия (разбиране) без разбиране (емпатия)? - Къде стои човекът между паяците и маймуните? - Каква „диагноза“ може да поставим на фантастиката днес? В далечното бъдеще човечеството е достигнало технологичен зенит и се е впуснало в трансформации на планети, за да ги направи годни за живот. Един от тези експерименти е ръководен от доктор Аврана Керн, която е част от група учени, вярващи, че бъдещето на човешката раса зависи от създаването на усъвършенствани интелигентни видове, които да съжителстват с хората. Тя създава вирус, предназначен да ускори еволюцията на примати, които да бъдат заселени на подготвената за тях екзопланета, но и създаващ солидарност между всички свои носители. Гледайте и на видео тук: https://youtu.be/9Fk7ER1PMBY За госта Александър Попов е главен асистент в катедра "Англицистика и американистика" в СУ "Климент Охридски", където води курсове по езикознание и научна фантастика. Защитава докторска дисертация по информатика към БАН на тема моделиране на лексикално знание в контекста на обработката на естествен език. Научните му интереси са в областта на изследванията на научната фантастика и утопията, в семантиката на естествените езици и в компютърната лингвистика. Публикувал е също така разработки, свързани с екокритика, постхуманизъм, изкуствен интелект, дигитална хуманитаристика. Автор е на книгата Zone Theory: Science Fiction and Utopia in the Space of Possible Worlds. Дългогодишен автор и редактор в списанието за фантастика „Shadowdance“. Заедно с Константин Георгиев основава творческия колектив „Космотехника“, работещ на пресечните точки между фантастиката и хуманитарните и социалните науки. Аврана Керн: „Вие не сте от моята Земя. Не сте моето човечество. Вие сте маймуни, нищо повече от маймуни. Дори не сте моите маймуни. …“ Деца на времето, Ейдриън Чайковски, прев. Мария Демирева #about #podcast Серията „Vox Nihili“ на Ratio Podcast и Предизвикай правото! изследва пресечните точки на науката и технологиите с етиката и правото, а също така и редица дискусионни теми в сферата на философията. В рамките на серията сме обособили групи от разговори, обединени от различни теми, сред които: философски анализи на филми, право и литература, представяне на диалозите на Платон, културни интерпретации на различни чудовища (vox monstri) и др. Ако търсите отдадена и провокативна философия, насочена към настоящето, тази серия е за вас. Това е една от шестте серии на Ratio Podcast – един подкаст за любопитни хора. С негова помощ ще си сверите часовника за всичко най-ново в света на науката и културата и ще чуете неформални разговори, свързани или вдъхновени от наука.

В този епизод Никола и Петко ни транспортират в дълбокия вакуум на най-новите събития от света на космическите технологии и амбиции: • iSpace с втори опит за кацане на Луната - японската компания iSpace не се отказва лесно. След неуспешния си първи опит миналата година, този път апаратът Resilience е на път да влезе в историята. Ще стане ли Япония третата държава, постигнала меко кацане на Луната чрез частен играч? • Starship – Полет №9 - най-мощната ракета, създавана някога, излетя и... отново се разпадна. Въпреки че мисията не завърши безпроблемно, полетът даде ценни данни за бъдещите амбиции на SpaceX. Какво работи, какво не, и защо този „неуспех“ всъщност е крачка напред? • Китай стартира мисия до древен астероид - Tianwen-2 вече е на път към астероид, за който се смята, че е „жив фосил“ от началото на Слънчевата система. Какво цели да научи мисията и защо тя е значима не само за Китай, но и за цялата планетарна наука? • EnduroSat с нова инжекция от €43 млн - българската компания EnduroSat привлече сериозно финансиране с амбицията да масово произвежда по-големи и по-умни сателити. Какво означава това за родната космическа индустрия и можем ли да очакваме още по-смели проекти? Гледайте видео към епизода тук: https://youtu.be/CTHZ0FVriK8 #links • iSpace с втори опит за кацане на Луната: https://www.space.com/space-exploration/missions/what-time-is-japan-ispace-resilience-moon-landing • 9-ият полет на Starship: https://www.sciencealert.com/spacex-starships-latest-test-ends-in-destruction-over-indian-ocean и https://www.youtube.com/watch?v=GE1Af-ELHpE • Китай изстреляха първата си мисия до астероид: https://www.sciencealert.com/chinas-tianwen-2-launches-to-grab-first-living-fossil-asteroid-samples • ЕндуроСат набраха ново финансиране от €43млн: https://spacenews.com/endurosat-raises-49-million-to-mass-produce-larger-satellites/ #about #podcast В епизодите на Ratio Weekly, нашата импровизирана научна новинарска емисия, молекулярният биолог Никола Кереков в компанията на харизматичния водещ Петко Желязов ви представят най-новите открития и най-любопитните постижения в сферата на науката, технологиите и медицината от изминалата седмица. В тази мини-серия на Ratio Podcast говорим за неща като това как да общуваме ефективно с котките, защо китовете се самоубиват и какво живее на Венера. Това е една от шестте серии на Ratio Podcast – един подкаст за любопитни хора. С негова помощ ще си сверите часовника за всичко най-ново в света на науката и културата и ще чуете неформални разговори, свързани или вдъхновени от наука.

Месецът на вкуса толкова ни вдъхнови, че продължаваме с още малко теми от него и сега. София и Васи разговарят с Благой Кузмански - сомелиер с дългогодишен опит в САЩ, Великобритания, България и Швейцария. Успешно е преминал изпити като CMS Advanced Sommelier, IWA (Italian Wine Ambassador), WSET Diploma и е световен посланик на шери. Благо е един от най-добрите “професионални пиячи на вино”, които познаваме и с него си говорим за вкуса и неизчерпаемия характер на виното. През много лични истории, няколко научни изследвания и, разбира се, с чаша вино в ръка, те обсъждат: • Как влияе това, което виждаме в чашата, на това, което вкусваме? • Откъде “идват” виолетките и чушките във виното и на какво дължим различните аромати в него? • Имате ли “супер нос” и можете ли да си натренирате такъв? • Защо говорим за вино така, както говорим за вино? • Какво всъщност е тероар и реално ли влияе той или е повече добра история? • Как климатичните промени се отразяват на виното? Видео към епизода тук: https://youtu.be/TKpBAaXL6ww За гостите Благой Кузмански е сомелиер с дългогодишен опит в САЩ, Великобритания, България и Швейцария. Емблематично място в професионалното му развитие е 67 Pall Mall, Лондон – частен клуб с една от най-богатите винени селекции в света! В момента подбира вина от цял свят, които внася и представя в България. Успешно е преминал изпити CMS Advanced Sommelier, WSET Diploma, IWA (Italian Wine Ambassador с Ян д'Агата) и е световен посланик на шери – Sherry Ambassador. Василена Вълчанова е съ-основател на Ratio и като маркетолога зад организацията рядко се появява пред камерата и микрофона на организацията - досега. Интересът ѝ към виното вече придобива и академични измерения с успешно преминат WSET Level 2. София Павлова е преследвач на приключения в света на културната журналистика, продуцентството и… вкусовете. През винената рубрика на Go Guide и възстановеното печатно издание на Програмата София преплита търсаческия си нюх и създава светове, които са хем хедонистки, хем социално ангажирани.

In this episode, we unpack the ONE ratio every leader needs to pay attention to and get right.

Markets faced pressure in the middle of the trading session, though stocks managed to jump off the morning lows and close higher on the day. Kevin Green warns that downside risk is still possible with two open gaps in the SPX that could see a retest. A bullish indicator favoring SPX upside is the tech to utilities ratio, as Kevin explains the potential for tech to rally further.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

В новия епизод на Ratio Weekly се гмуркаме дълбоко в света на необикновеното – от зловещи звуци в джунглата до най-необичайната любовна стратегия в морските дълбини. • Птица с очи на гърба на клепачите – Великолепният поту (Great Potoo) не само изглежда като зловещ пън, но и може да вижда през затворените си очи. Ние се питаме – защо еволюцията е избрала този зловещ подход към оцеляването? • Звук, който ще ви накара да настръхнете – Слушаме най-ужасяващия вик от природата и си задаваме въпроса: защо някои животни звучат като кошмар от хорър филм? • Птици с дълга памет и кратък нрав? – Медоуказателите (honeyguides) не само водят хората към мед – оказва се, че могат да се обидят фатално, ако ги предадеш. Възможно ли е отмъщението да е стратегия за оцеляване? • Смъртоносна среща в океана – Мъжки октоподи, които зашеметяват партньорките си с отрова... само за да оцелеят след срещата. Дали това е най-токсичната романтика в природата? • Енциклопедия “Черно море” от изд. Мармот – представяме нова детска енциклопедия, която запалва любопитството към българското море и неговата екосистема. • Човекът, който се инжектира с отрова – Историята на човек, който десетилетия наред си бие змийска отрова, за да развие имунитет. Днес той може да се окаже ключ към универсален серум срещу ухапвания от змии.

No intro, no status reports, just straight content out the gate. The TRPE Boyz are back on the main feed to kick off the month of June and they've got a lot to say. Show starts with Chad breaking down how their recent Philly Soccer interview led them to an opportunity with Fifa+. They also give a full breakdown of their MDW live show and announce another one for EOS (end of summer) at a brand new venue in Philly. Show transitions to an update on the recent outbreak of crime in the Philly streets including a mass shoting at Lemon Hill in Fairmount Park, LGP Qua's unfortunate murder and a young man narrowly escaping death near City Avenue. At this point, Philly's gangsta to civilian ratio has gotten completely out of hand and the citizens are suffering because of it. Wouldn't be TRPE if they didn't give the realest Roots Picnic breakdown and an oral history of how they got banned from the festivities. They also touch on why Meek is still Meek and how his last 30 months of music hasn't diminished in quality or execution. The guys also revisit the Roc x State Property Hot 97 freestyle part 1, expectations for the Carter 6, Complex Top 50 West Coast MC's list, Clips Ace Trumpets breakdown and crown the Greatest Philly Rapper of All Time. All this and more on the latest episode of The Realest Podcast Ever. No time like the top of the month to subscribe to our Patreon! Up to 10 bonus episodes and exclusive video releases EVERY MONTH!! Subscribe to our Patreon channel FOR FREE at https://patreon.com/officialtrpe 

Our audience asks the best questions, and on today's show, I'm going to tackle a few of them. On this encore episode of Investing in Real Estate, I'll be answering three of your questions on various real estate topics. This Q&A episode features three great questions on topics like investing with a high debt-to-income ratio, how to decide if you should pay off mortgages, and buying a property with a solo 401k.

Graham and I are back! And we are talking about some Homicide episodes that are kind of committed to weird 90s things, specifically poetic interludes with Edgar Allan Poe and "straight guys having to find out what gay people do and they're soooo uncomfortable!" Let's say its a mixed bag. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode is a compilation of answers to YOUR questions that were asked directly from my listeners who attend my weekly business education YouTube live webcast. Topics covered include: When is the best time to buy real estate, How to shift from accounting to finance, Main factors to consider when starting a business and more. Refer to chapter marks for a complete list of topics covered and to jump to a specific section. Download my free "Networking eBook": www.harouneducation.comAttend my weekly YouTube Live every Thursday's 8am-11am PT. Subscribe to my YouTube Channel to receive notifications. Learn more about my MBA Degree ProgramConnect with me: YouTube: ChrisHarounVenturesCompleteBusinessEducationInstagram @chrisharounLinkedIn: Chris HarounTwitter: @chris_harounFacebook: Haroun Education Ventures  TikTok: @chrisharoun300How to forecast a P/E ratio

What if you could place nearly every candidate you represent—and do it at premium fees, without racing to the bottom? In this episode of The Resilient Recruiter, Mark Whitby is joined by Lysha Holmes, founder of QUI Recruitment and host of The Recruiters Recruitment Podcast. With over 20 years in Rec2Rec, Lysha shares how she's built a values-led, inbound-only business with zero cold calling. You'll discover: Why Lysha insists on exclusive candidate representation How she consistently achieves a 1.15:1 interview-to-placement ratio How she charges 20–30% fees by working with premium talent and clients The values behind QUI: Quality, Urgency, and Integrity Her approach to relationship-driven BD and building through referrals How sobriety and wellbeing became business superpowers Whether you're a recruitment agency owner or solo operator, this episode is a playbook for building a more sustainable, high-margin, and meaningful business. Episode Highlights [00:45] Why Lysha rejects cold calls and how she builds BD differently [02:32] Her journey from failing A-levels to founding QUI Recruitment [13:24] Building a solo business while raising children [16:18] How she kept placing during maternity leave [17:19] Why exclusivity is non-negotiable for candidate control [24:27] Origin of QUI's core values and how they shape every decision [24:56] A 1.15 placement ratio—how it's done [26:38] The win-win case for exclusive representation [34:01] Attracting premium clients with consistency and care [38:25] BD through conversations, not spam [46:11] Using referrals and warm intros to win business [50:54] What clients are actually using AI for (hint: it's not automation) [59:03] How sobriety transformed her leadership and mindset [01:04:18] Going sugar-free and protecting health as a growth strategy

Kevin Green wants to see markets retest the 5,920 level in the SPX and see if buyers step in, a strong bullish indicator for the index. Nvidia's (NVDA) earnings can help with that bull test. Kevin also points out the correlation between the U.S. Dollar and Japanese Yen's connection to SPX futures.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

This week on WTFolklore, we read The Story of the Black Cow, and as with most things, we try to contort it into a Willy Wonka-esque shape.Suggested talking points: Zipline Magnate, The Ratio of Ghosts to Guys, Legally a Cake, The 352-Day Calendar, Milk From the Heart, Maslow's Hierarchy of Needs Premium+, Somewhere In the Churro FamilyIf you'd like to support Carman's artistic endeavors, visit: https://www.patreon.com/carmandaartsthingsIf you like our show, find us online to help spread the word! Follow us on Twitter, Facebook, and Youtube. Support us on Patreon to help the show grow at www.patreon.com/wtfolklore. You can find merchandise and information about the show at www.wtfolklorepodcast.com.

As always you can find Christian on Twitter/Instagram @thechrisespinal Josh @jdcole_37 and Brian @bdotesp! follow the show on Twitter/Instagram @newjumpcity.   Check out Brian's Twitch Stream here!   Our theme song is by @drum_fu.   Watch the video version of this episode on our YouTube channel here!

Подкрепете ни на https://www.patreon.com/ratiobg В новия епизод на Ratio Weekly се гмуркаме дълбоко в света на необикновеното – от зловещи В този епизод се качваме директно в орбита, слизаме в дълбините на човешката ДНК и приключваме с нещо... по-вкусно. • Китай строи първия суперкомпютър в Космоса – нова инициатива изстрелва сателити, които ще се комбинират в орбитален суперкомпютър. Какви са целите, какво означава това за глобалната надпревара в технологиите и защо точно в Космоса? • StorPool и силата на софтуерно дефинираното съхранение – поглеждаме към българската компания, която променя начина, по който мислим за инфраструктура и мащабиране. Какво значи "force" за StorPool и защо това не е просто buzzword? • CRISPR чудеса – темата за генното редактиране е по-актуална от всякога: - Спасено бебе с персонализирана CRISPR терапия – медицински пробив, при който дете получава лекарство, създадено изцяло по неговия геном. - CRISPR срещу рак на глава и шия – нов подход, който атакува раковите клетки с прецизност, невъзможна досега. - Генно редактирани прасета, одобрени за храна – FDA дава зелена светлина на първото CRISPR свинско. Добре дошли в новата ера на храната! Гледайте и на видео тук: https://youtu.be/JVPPCiNqWSo #links - Китай строи първия суперкомпютър в орбита: https://www.scmp.com/news/china/science/article/3310506/china-launches-satellites-start-building-worlds-first-supercomputer-orbit - Storpool: storpool.com/force - Персонализирана CRISPR терапия спасява бебе: https://www.technologyreview.com/2025/05/15/1116524/this-baby-boy-was-treated-with-the-first-personalized-gene-editing-drug/ - CRISPR срещу рака на глава и шия: https://www.linkedin.com/posts/erwinloh_researchers-used-crispr-gene-editing-to-cut-activity-7305543960750366720-iLjg/?utm_source=share&utm_medium=member_desktop&rcm=ACoAAB-xvO4BRorKSgBuHqeSz5V55VFKbU2r1pM - Първото CRISPR ГМ прасе за ядене: https://www.sustainability-times.com/research/gene-edited-pigs-cleared-for-dinner-fda-greenlights-crispr-pork-for-american-tables-after-safety-review/ #about #podcast В епизодите на Ratio Weekly, нашата импровизирана научна новинарска емисия, молекулярният биолог Никола Кереков в компанията на харизматичния водещ Петко Желязов ви представят най-новите открития и най-любопитните постижения в сферата на науката, технологиите и медицината от изминалата седмица. В тази мини-серия на Ratio Podcast говорим за неща като това как да общуваме ефективно с котките, защо китовете се самоубиват и какво живее на Венера. Това е една от шестте серии на Ratio Podcast – един подкаст за любопитни хора. С негова помощ ще си сверите часовника за всичко най-ново в света на науката и културата и ще чуете неформални разговори, свързани или вдъхновени от наука.

Ако това, което правим, ви харесва, вижте как можете да подкрепите Ratio тук: ratio.bg/support/ Любомир Бабуров, Александър Кьосев и Стоян Ставру обсъждат: - Кой е имплицитният читател? - Какъв процент от хората в България четат книги? - Какво представлява глобалната творба и как тя се различава от махленската? - По какво се различават читалищата от книжарниците? - Променя ли се феноменологията на четенето? - Какви са ефектите от нетърпението на читателя и фрагментаризацията на текста? - Кога читателят се превръща в консуматор? - Възможни ли са съпротиви срещу „глобалното“ писане? - Четат ли се взаимно поетите? - Как изкуственият интелект променя четенето? - Как изкуственият интелект променя писането? - Какво представлява социалното четене в реално време? - Кой кого променя: книгата читателя или обратно? - Какво представлява „живата“ книга и виртуалния клубен асистент? - Отваря ли нови читателски хоризонти изкуственият интелект или затваря четящите в ехо камери? Изкуственият интелект променя читателските практики чрез персонализирани препоръки, автоматизирано обобщаване и анализ, както и интерактивни форми на четене. Новите форми на колективно четене включват AI-задвижвани платформи за дискусии, виртуални литературни асистенти и автоматизирано обобщаване на читателски реакции. Генеративните книги използват AI за динамично създаване на съдържание, което се адаптира към читателските избори, а някои проекти съчетават творческо сътрудничество между AI и автори. Тези промени водят до по-интерактивно и динамично четене, но поставят въпроси за автентичността на литературното преживяване и потенциалното капсулиране на читателите в алгоритмично предопределени предпочитания. Дали говорихме за утопии или дистопии на четенето – сами преценете. Гледайте епизода на видео тук: https://youtu.be/tXbYqbtj2nQ За госта Проф. д-р Александър Кьосев е професор по история на модерната култура; изследователските му интереси обхващат културната история на тоталитаризма и прехода, теория и история на четенето и визуалната култура на града. Преподавател е в СУ "Св. Климент Охридски" и в Нов български университет. Директор е на Културния център на Софийския университет. За подкаста #about #podcast Серията „Vox Nihili“ на Ratio Podcast и Предизвикай правото! изследва пресечните точки на науката и технологиите с етиката и правото, а също така и редица дискусионни теми в сферата на философията. В рамките на серията сме обособили групи от разговори, обединени от различни теми, сред които: философски анализи на филми, право и литература, представяне на диалозите на Платон, културни интерпретации на различни чудовища (vox monstri) и др. Ако търсите отдадена и провокативна философия, насочена към настоящето, тази серия е за вас. Това е една от шестте серии на Ratio Podcast – един подкаст за любопитни хора. С негова помощ ще си сверите часовника за всичко най-ново в света на науката и културата и ще чуете неформални разговори, свързани или вдъхновени от наука.

Ronald Young Jr. is building his career in audio the same way that he'd like to build a house: with care, intentionality, and a strong foundation. And with each project that he releases, he wants listeners to hear that he's making progress. This week, he joins Mo to discuss how he approaches his critically acclaimed podcasts like Weight For It, the importance of having friends who know you off mic, and the risks of replacing emotional nuance with drama. Ronald's on Instagram @ohitsbigron and ohitsbigron.com. Make sure to check out his podcasts Weight For It and Leaving the Theater! Worse Than You with Mo Fry Pasic is hosted and produced by Mo Fry Pasic. Our executive producers are Erica Getto, Myrriah Gossett, and Lauren Mandel.We're on Instagram and TikTok @worsethanyoushow, and you can follow Good Get on YouTube for exclusive video content. Worse Than You with Mo Fry Pasic is a Good Get and Disco Nap Co-Production. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Mark Thornton appears on Liberty and Finance with Elijah K. Johnson. They discuss the economic implications of the historically high gold-silver ratio. Dr. Thornton emphasizes the importance of historical data and Austrian economic principles in understanding crises. He also stresses the need for practical financial education, as government responses are failing to address core economic problems, leaving markets vulnerable to heightened volatility.The original interview is available on YouTube. For more information, visit Libertyandfinance.com.

Подкрепете ни на https://www.patreon.com/ratiobg Какво се случва в тялото, когато стартираме (и финишираме)? В новия епизод на Ratio Weekly се втурваме в света на бягането, медицината и науката за мозъка – и откриваме колко дълбоки промени настъпват в нас, когато се движим. • Как се променя мозъкът ни по време на маратон? Разглеждаме изследване, публикувано в Nature, което разкрива неочаквани ефекти върху сивото вещество и цялостната мозъчна активност след дългo бягане. • Разказваме и за специалното събитие на Ratio, посветено на спорта, бягането и активния начин на живот – със специални гости и вдъхновяващи истории. • Запознаваме ви и с най-малкия пейсмейкър в света – устройство, което може да бъде активирано с... светлина. Миниатюрен пробив, който обещава бъдеще без батерии и хирургични интервенции.

Send us a textMay 16's Daily Drop is here, and it's a clinic in chaos. Jared dives headfirst into a flaming pile of Air Force mismanagement, with everything from canceled retention bonuses to space-based missile defense initiatives nobody budgeted for.We're talking about the Pentagon quietly prepping to boot transgender service members, the DoD admitting it can't staff enough school counselors, and the Air Force building new ICBM silos because fixing the old ones would just be too easy.Meanwhile, Space Force is trying to juggle in-orbit refueling, satellite sensors, a “Golden Dome,” and stealing 600 Guardsmen — all while Airmen are out here getting ghosted on their bonuses.Oh, and Trump wants to build the “F-55.” Whatever that is.

Ever wonder how some entrepreneurs seem to do it all—run thriving brands, parent like a boss, AND stay consistent with their content? In this episode of Communication Queen, Kimberly Spencer pulls back the velvet curtain on the transformational strategy that powers her content machine: the 3:1 Ratio. What's the 3:1 Ratio? It's not just a productivity hack—it's a QUEEN strategy rooted in storytelling and leverage. Kimberly reveals how one golden nugget from a client convo, podcast ep, or coaching session turns into a kingdom of content—from social posts to email funnels, podcast topics, and beyond. With three kids (including a newborn), multiple businesses, and a best-selling book on deck, Kimberly walks her talk—and shows you how you can, too. This episode isn't about doing more. It's about doing smarter. Simpler. Louder. And in true Queen style: with unapologetic purpose. Whether you're burnt out from creating one-off content or you're just ready to scale without sacrificing your sanity, this episode will flip the script on how you think about marketing. Grab your crown, press play, and prepare to reign over your content strategy like never before.

The "iconic" Ironheart trailer is getting ratioed on YouTube. Because of COURSE it is. The thing is, the mainstream media isn't really saying much about it this time around. But Disney is pulling in other MCU stars to promote the show, including Robert Downey Jr. and Charlie Cox. Will this one perform, or are people OVER IT? Watch this podcast episode on YouTube and all major podcast hosts including Spotify. CLOWNFISH TV is an independent, opinionated news and commentary podcast that covers Entertainment and Tech from a consumer's point of view. We talk about Gaming, Comics, Anime, TV, Movies, Animation and more. Hosted by Kneon and Geeky Sparkles. D/REZZED News covers Pixels, Pop Culture, and the Paranormal! We're an independent, opinionated entertainment news blog covering Video Games, Tech, Comics, Movies, Anime, High Strangeness, and more. As part of Clownfish TV, we strive to be balanced, based, and apolitical. Get more news, views and reviews on Clownfish TV News - https://news.clownfishtv.com/ On YouTube - https://www.youtube.com/c/ClownfishTV On Spotify - https://open.spotify.com/show/4Tu83D1NcCmh7K1zHIedvg On Apple Podcasts - https://podcasts.apple.com/us/podcast/clownfish-tv-audio-edition/id1726838629

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3596: Steve Pavlina challenges readers to shift their mindset from dependency on external authority to self-reliance, urging them to trust their intuition and life experience over conventional expert advice. He also introduces the concept of the “optimism ratio” as a personal barometer for growth, emphasizing how cultivating more optimistic thoughts can directly shape reality and accelerate personal development. Read along with the original article(s) here: https://www.stevepavlina.com/blog/2005/06/trust-yourself-not-the-experts/ & https://www.stevepavlina.com/blog/2005/02/whats-your-optimism-ratio/ Quotes to ponder: "Your own reasoning ability is vastly more important than the consensus of expert opinion." "If you blindly follow the advice of experts, you'll never learn to think for yourself." "When your optimism ratio is positive, it means you're giving more energy to what you want than to what you don't want." Episode references: Think and Grow Rich: https://www.amazon.com/Think-Grow-Rich-Landmark-Bestseller/dp/1585424331 The Power of Now: https://www.amazon.com/Power-Now-Guide-Spiritual-Enlightenment/dp/1577314808 Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you hear about the mortgage broker who always ate lunch alone? Yep—it turns out he was a loaner.Okay, a bit of levity to start the program today, but you know what's serious business? Buying or selling a home. Are spring and summer still prime seasons to jump into the market? Dale Vermillion joins us for insight on today's real estate and mortgage trends. Dale Vermillion is the author of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home. This book covers everything you need to know about securing a mortgage—all from a biblical perspective.Is Spring Still a Seller's Market?While spring and summer are still active seasons, seasonality in real estate isn't what it used to be. The rise of online listings means people shop for homes year-round. However, warmer weather, the end of the school year, and a desire for fresh starts still push many families to buy and sell during this time.There's a lot of activity right now. Listings are up over 700,000—33% more homes than last year. And new home sales? Up to 76,000 in just the last 30 days.With more homes on the market and fewer buyers competing, this may be the best opportunity to buy a home since 2021.Selling a Home? Stand Out With These TipsIf you're on the selling side, you'll need more than a “For Sale” sign. Here are a few key steps to rise above the noise:Price your home right from day one. Use recent comps, a professional appraisal, and work with a local agent who knows your area. Stage your home well. With more buyers relying on online home tours and 360° walkthroughs, curb appeal and clean, well-lit interiors matter more than ever. Declutter and simplify. Remove excess items and ensure the space feels open and welcoming—both inside and out.Buying a Home? Here's How to Prepare WiselyFor starters, you need to understand that pre-approval is not the same as pre-qualification. Pre-qualification is often based on unverified info. You want a full pre-approval, where your application, income, credit, and down payment are all verified.This not only makes your offer more attractive to sellers but also helps you understand what you can realistically afford. And that's the other key point—know your budget. Don't rely solely on what a lender says you qualify for.Create a detailed budget based on your actual income and expenses.Consider your long-term financial goals, not just your current desires.Most importantly, pray about your decision. Ask God for wisdom and peace before making such a significant commitment.What About Mortgage Rates in 2025?Many are still waiting for interest rates to drop—but experts say don't hold your breath.The Fed rate may drop a few times this year, but that mostly affects short-term debt like credit cards and auto loans. Mortgage rates, on the other hand, are driven by the 10-year Treasury note.As inflation eases, mortgage rates may follow, but they're expected to remain relatively stable for now.If you're a buyer, now could be the right time to act, with high inventory and lower competition. But as always, make sure your decision is rooted in financial wisdom and prayerful dependence on God. Only buy what you can afford, and trust the Lord through the process.On Today's Program, Rob Answers Listener Questions:I just retired and received a $20,000 check. I'm not sure what I should do with this money. I have a Roth, some savings, an annuity, and a 401(k), but I haven't talked to a financial planner about my current financial status. What should I do with this $20,000?I write one check every Sunday to tithe to my church. If everything goes electronic, I don't know how to track it.As I get closer to having my home paid off, I would like to know if it's better to keep an outstanding balance on my mortgage to maintain the mortgage credit and homestead credit for property taxes, or just pay off the home and deal with increased taxes.Years ago, when we were leading classes with Howard Dayton, our group discussed how collecting offerings at church feels very personal. When the offering basket is passed and a deacon holds it, we almost see it as Jesus' hand holding out the basket. It becomes a very personal act of giving, almost like giving directly to Jesus himself. I'm curious how many people over 65 still write a lot of checks.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Bankrate.comChristian Community Credit Union (CCCU)An Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenNavigating the Mortgage Maze: The Simple Truth About Financing Your Home by Dale VermillionWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3596: Steve Pavlina challenges readers to shift their mindset from dependency on external authority to self-reliance, urging them to trust their intuition and life experience over conventional expert advice. He also introduces the concept of the “optimism ratio” as a personal barometer for growth, emphasizing how cultivating more optimistic thoughts can directly shape reality and accelerate personal development. Read along with the original article(s) here: https://www.stevepavlina.com/blog/2005/06/trust-yourself-not-the-experts/ & https://www.stevepavlina.com/blog/2005/02/whats-your-optimism-ratio/ Quotes to ponder: "Your own reasoning ability is vastly more important than the consensus of expert opinion." "If you blindly follow the advice of experts, you'll never learn to think for yourself." "When your optimism ratio is positive, it means you're giving more energy to what you want than to what you don't want." Episode references: Think and Grow Rich: https://www.amazon.com/Think-Grow-Rich-Landmark-Bestseller/dp/1585424331 The Power of Now: https://www.amazon.com/Power-Now-Guide-Spiritual-Enlightenment/dp/1577314808 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to another exciting episode of PICU Doc on Call! Today, we're diving deep into the world of pediatric critical care with our expert hosts, Dr. Rahul Damania, Dr. Pradip Kamat, and Dr. Monica Gray. Get ready to unravel the mysteries of the oxygen extraction ratio (O2ER) and its pivotal role in managing pediatric acute respiratory distress syndrome (ARDS) and multi-organ dysfunction.Picture this: a seven-year-old girl battling severe pneumonia that spirals into ARDS and septic shock. Our hosts walk you through this gripping case, shedding light on calculating O2ER and why central venous oxygen saturation (ScvO2) is a game-changer. They'll share their top strategies for optimizing oxygen delivery and cutting down on oxygen demand.But that's not all! This episode is all about the holistic approach to managing critically ill pediatric patients. Tune in to discover how these insights can lead to better outcomes for our youngest and most vulnerable patients. Don't miss out on this vital conversation!Show Highlights:Clinical significance of the oxygen extraction ratio (O2ER) in pediatric critical careImportance of understanding oxygen delivery and consumption in critically ill patientsCalculation and interpretation of O2ER and its relationship to central venous oxygen saturation (ScvO2)Physiological concepts related to oxygenation, including intrapulmonary shunting and ventilation-perfusion mismatchManagement strategies for increasing oxygen delivery and reducing oxygen demand in ARDS and septic shockInterventions such as blood transfusions, sedation, and optimization of cardiac outputImplications of lactic acidosis and anaerobic metabolism in the context of inadequate oxygen deliveryHolistic approach to patient management, focusing on both numerical values and overall metabolic needsWe welcome you to share your feedback, subscribe & place a review on our podcast! Please visit our website picudoconcall.org.References:Fuhrman B.P. & Zimmerman J.J. (Eds.). Pediatric Critical Care, 6th ed. Elsevier; 2021. (Key concepts of oxygen delivery, consumption, and extraction in shock states are discussed in Chapter 13) .Nichols D.G. (Ed.). Roger's Textbook of Pediatric Intensive Care, 5th ed. Wolters Kluwer; 2016. (Comprehensive review of oxygen transport and utilization in critically ill children, including ARDS and shock).Lucking S.E., Williams T.M., Chaten F.C., et al. Dependence of oxygen consumption on oxygen delivery in children with hyperdynamic septic shock and low oxygen extraction. Crit Care Med. 1990;18(12):1316–1319. doi:10.1097/00003246-199012000-00002.Ronco J.J., Fenwick J.C., Tweeddale M.G., et al. Pathologic dependence of oxygen consumption on oxygen delivery in acute respiratory failure. Chest. 1990;98(6):1463–1466. doi:10.1378/chest.98.6.1463 .Carcillo J.A., Davis A.L., Zaritsky A. Clinical practice parameters for hemodynamic support of pediatric and neonatal septic shock. Crit Care Med. 2002;30(6):1365–1378. (ACCM guidelines emphasizing ScvO₂ targets in shock) .Emeriaud G, López-Fernández YM, Iyer NP, et al; PALICC-2 Group; PALISI Network. Executive summary of the second international guidelines for the diagnosis and management of pediatric ARDS (PALICC-2). Pediatr Crit Care Med. 2023;24(2):143–168. doi:10.1097/PCC.0000000000003147.

In this episode of the Ask Andrew podcast, Kellen Ainey is joined by Andrew Sleigh from Sprott Money to explore why silver may be one of the most undervalued assets right now. With the gold-to-silver ratio sitting around 100:1, Andrew explains what this historic imbalance means for investors and why silver could dramatically outperform gold in the near future. They also discuss where the gold price and silver price are headed, what could trigger a shift in the ratio, and why physical precious metals remain a safer long-term play compared to mining stocks or digital assets like Bitcoin. Essential listening for any investor in uncertain times.

2 trades today! ENPH covered call and a post earnings 1:3 put ratio spread in PLTR  

The great debate between "if it fits your macros" and quality is everything when it comes to food, what actually matters? I want to breakdown a recent study on this very topic and give you my thoughts and perspective. Topics include:- Does Quality Matter?- Ratio of Whole vs “Processed” Foods- Recent Study Details- Insulin Sensitivity Considerations---------- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.metabolismschool.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---------- [Free] Metabolism School 101: The Video Series⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.metabolismschool.com/metabolism-101⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------Subscribe to My Youtube Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grab a Copy of My New Book - Metabolism Made Simple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---------- Stay Connected: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: @sammillerscience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube: SamMillerScience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook: The Nutrition Coaching Collaborative Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: @sammillerscience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠operations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@sammillerscience.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."

Episode #202 In this Fasting Q&A episode, hosted by Coach Lisa Chance, Dr. Jason Fung answers questions from the TFM Community: I'm curious if TFM intends or would consider a ‘fasting-mimicking protocol' to be published for its members, possibly a TFM Quick Guide? [01:22] When I fast I find that I have trouble falling and staying asleep. Is it the hunger increasing my cortisol or the effect of ketones? What are your thoughts on valerian or kava tea to help with fasting insomnia? [02:54] What's the latest research on autophagy? [05:12]  What does research say about the relationship between the HDL/Triglycerides ratio and high coronary calcium scores? And, in general, what does the scientific literature say about potential interactions between statins and fasting regimens? [07:00]  There is a hormonal cascade where our sex hormones are made from cholesterol. We know from member stories that female hormones become balanced on alternate day fasting regimen. In those success cases, how does alternate-day fasting affect the hormonal cascade so that it starts working properly again? [12:59] I was recently reading research that suggests that moderate weight gain during menopause, particularly in lean women, may offer a degree of protection against cardiovascular disease, due to the increased production of adipose-tissue-derived estrogen, which can partially compensate for the decline in ovarian estrogen levels following menopause. What are your thoughts on this? [15:27] Why might weight loss stall during a multi-day fast, even when following an extended-fasting protocol with proper hydration, electrolytes, and exercise? What factors could influence the rate of weight loss, and how can one determine if adjustments are needed? [19:02] Is there a problem with lowering metabolic rate during fasting? Do I need to worry about this? [21:13] The RR interval typically refers to the time between consecutive R waves in an electrocardiogram (ECG/EKG) and is a fundamental measurement in heart rate variability (HRV). Has the RR interval been studied in diagnosing gastroparesis, specifically for diabetes? [24:51]   LINKS Cholesterol Ratio Calculator https://www.omnicalculator.com/health/cholesterol-ratio Longevity Summit video with Cynthia Thurlow on Dr. Fung's YouTube channel. A Conversation with Cynthia Thurlow | Jason Fung https://youtu.be/YeELPeaQEFg?si=88JJWDzyzjDPGK76   Please note that you need to be a member of the TFM Community to submit questions to the Q&A webinars with Dr. Fung but you can submit questions to our regular Q&A episodes here: https://bit.ly/TFMPodcastQs   LAST CHANCE to Sign Up for the Self-Sabotage Workshop with Dr. Terri Lance https://www.thefastingmethod.com/masterclasses-and-live-workshops-2025/#Self2 Discount Code - PODCAST10   Transcripts of all episodes are available at www.thefastingmethod.com on the Podcast page.   CONNECT WITH US Instagram https://www.instagram.com/fastingmethod/ Facebook Page https://www.facebook.com/TheFastingMethod Join our FREE Facebook Group  https://bit.ly/TFMNetwork   00:00 Intro 01:22 Fasting-Mimicking Diet Quick Guide? 02:54 Fasting and Insomnia 05:12 Latest Research on Autophagy 07:00 HDL/Trigs Ratio and high CAC Score 11:40 ADF and Balancing Female Sex Hormones 14:09 Weight Gain Protective in Perimenopause? 17:44 Weight-Loss Stalls During Multi-Day Fasts 19:55 Low/High Metabolic Rate 23:33 Heart rate Variability   Disclaimer This podcast is for educational purposes only and is not a substitute for professional care by a doctor or other qualified medical professional. You should always speak with your physician or other healthcare professional before doing any fasting, changing your diet, taking or adjusting  any medication or supplements, or adopting any treatment for a health problem. The use of any other products or services purchased by you as a result of this podcast does not create a healthcare provider-patient relationship between you and any of the experts affiliated with this podcast. Information and statements regarding dietary supplements have not been evaluated by the Food and Drug Administration and are not intended to diagnose, treat, cure, or prevent any disease.