Podcasts about refined

We have been called to be Set Apart

(5) Michael Bernstam analyzes the humiliating Ukrainian strike on a St. Petersburg oil terminal during Putin's flagship economic forum. Russia's energy sector faces a crisis, forcing a ban on refined exports like gasoline due to refinery damage. Consequently, Russia must increase crude exports to China and India.

Becoming Like Jesus in Everyday Life

Send me a some feedback!In this episode, Mike revisits the creation process and introduces a powerful refinement that brings it into clearer focus. Moving beyond surface-level thinking, he breaks down how creating your life isn't just about mindset or vision—it's about the alignment between your soul, your mind, and your body. Using the framework of a triangle, he explains how each part plays a role in shaping what you experience in the external world.At the core of this conversation is a deeper truth: your external life is a reflection of what's happening internally. When your soul is clear on what it wants, your mind agrees with that vision, and your body feels safe receiving it, creation becomes natural. But when there's misalignment—uncertainty in the mind or resistance in the body—what you want stays out of reach. This episode brings clarity to that process and shows where the real work actually lives.Key TakeawaysCreation requires alignment between soul, mind, and body. It's not just about knowing what you want—it's about aligning every part of you with it. Clarity comes from the soul's desire to experience something specific. If you don't know what you want, you can't create it. Certainty is agreement between your mind and your vision. When your thoughts conflict with your desires, creation stalls. The body must feel safe to receive what you want. Stored fear, anxiety, and past experiences can block what you're trying to create. Most people focus externally, but the real work is internal. Your life changes when your internal world aligns with what you want to experience. Notable Quotes “We are not humans having a spiritual experience… we are spirit having a human experience.”  “If you don't know what you want, you can't have it.”  “Mindset is agreement between the mind and the heart.”  “The nervous system has one goal… to keep you alive by keeping you in familiar circumstances.”  “When the mind agrees and the body is ready to receive, you will start to see evidence of it showing up in your life.” Call to ActionIf this episode resonated, it's an invitation to look inward and get honest about where alignment may be missing. Not just what you want… but whether your mind agrees with it and your body is ready to receive it.If you're ready to go deeper into this work and bring your internal world into alignment with the life you want to experience, reach out directly to Mike at mike@innerwealthglobal.com.And if you're getting value from the Inner Wealth Podcast, make sure you're subscribed, and take a moment to rate and review so we can continue reaching more people who are ready to expand their life and circumstances in alignment.Mike's Media:Website: https://www.innerwealthglobal.com/Facebook: https://www.facebook.com/mikekitkoInstagram: https://www.instagram.com/mike_kitkoTiktok: https://www.tiktok.com/@mikekitkoSubscribe to my YouTube: / @mikekitkoMusic Credit: "What's Left of Me" by Wes Hoffman & Friends

If you're building your author brand or platform one piece at a time, no wonder it's so exhausting! My guest today is my sweet friend, Mandy Roberson of Market Refined Media, a faith-based marketing agency, and she's going to share what an author brand actually is, and how to build a platform that works for every book you'll ever write. Resources mentioned:Market Refined Media & PublishingRelated episodes:Fulfilling Your Book Dream as an Empty NesterTapping Into Reader's Needs as a Relatable Brand

Chronic inflammation is silently driving some of the most common diseases today — and most people have no idea it's happening. In this episode, Nurse Doza breaks down five hidden triggers: poor sleep, refined grains, low vitamin D, omega-3 deficiency, and digestive issues — and exactly what you can start doing about each one today. FEATURED PRODUCT Liver Boost – MSW Nutrition Chronic inflammation doesn't just live in your joints or your gut — your liver is at the center of it all. The liver filters inflammatory byproducts, processes environmental toxins, manages hormones, and supports fat digestion. When it's overburdened, your inflammatory load goes up. Liver Boost from MSW Nutrition is formulated with N-acetyl-L-cysteine (NAC), milk thistle, and selenium to support liver detoxification, protect your antioxidant defenses, and ease the total burden your body is carrying — making it a natural complement to everything discussed in this episode.

Becoming Like Jesus in Everyday Life

Luke Pereria - Preached at 11am and Winmallee on 24 May and 5pm on May 31 Passage: Peter 3

Refined like Silver: A Message on Zechariah 13:7-9 The post Morning Worship 5-24-26 – Refined like Silver appeared first on Tunnel Hill Baptist Church.

A carefully curated DJ set by Marco Berto for Ibiza Global Radio and radiodeep.net, moving through deep house textures, dub techno depth and hypnotic afterhour grooves with precision, restraint and flow. Refined, immersive and built for listeners drawn to atmosphere, subtle tension and late-night soul. Turn it up, lock in and enjoy the ride. Connect with me: https://linktr.ee/marcoberto https://www.instagram.com/marco_berto https://www.facebook.com/DJMarcoBerto Tracklist: f. galdi – midnight gentleman roger gerressen – querry veldt deephope – in my veins mikkel metal – rebuild saand – higher ground brunello, hilel lev – apathy shahrokh dini – owl flight exos – gegnum skraargat tiger stripes, jerome sydenham – elevation delano smith – inspiration

On this episode, I'm recounting the 30 day challenge I felt called to do this year. I unpack exactly what I quit, why I decided to do this challenge, and what actually happened during the 3 days, including this physical, mental, and emotional symptoms I experienced. Spoiler alert: it was brutal. Connect with me:Instagram: @beccnichollsTiktok: @beccanichollsWebsite: www.beccanicholls.comSubscribe to my email listYouTube: BECCAIt would mean the world to me if you would subscribe, rate and review this podcast to help support the show. If you enjoy this podcast, share it on your stories and tag me or share it with a friend. Let's build this community, together! ⚡️

Have you ever eaten something that made you feel worse than you did before you lifted it to your mouth? It's a real thing! In this episode, you will learn what refined sugar is and how it can impact your emotions, wellness, and home. You'll also be able to recognize 5 sneaky ways that refined sugar could be negatively affecting you and your family. If you're like me and you love to read, you'll enjoy the written version of today's conversation on toddlermomdiaries.com: https://toddlermomdiaries.com/blog/blog/7770074/5-sneaky-ways-refined-sugar-may-be-negatively-affecting-your-family-and-home ----------------------------------------------- Connect with Me! Website: toddlermomdiaries.com

Becoming Like Jesus in Everyday Life

Refined, Retooled, Restored by Carl Albrecht

2 Corinthians 4:17, Malachi 3:3, 2 Corinthians 4:7, Luke 6:45

Becoming Like Jesus in Everyday Life

Join the team for a look at the latest aviation news from around the world and across the UK.  UK refineries are asked to maximise jet fuel production amid on-going supply fears; the UK    Labour Government are under pressure to tackle airport parking charges with new rules amid spiralling costs; and one man is injured after a United 767 hits his delivery truck whilst landing in Newark.   As usual we will have a military segment from Armando as his continues to explain the air operations to us during the US/Iran war.  RAAOTW also: This week we go back to 1983 and to an airline that's taking you to Europe for a bargain! Then just for a change this week we go all SNL & comedy for an alternative airline ad.  It's just over 2 weeks to go until our 600th show, so Nev will give us an update as to how we are getting on with the preparations.  Remember that we're going live at 7pm UK time (1800UTC) and that daylight savings has gone into effect in the UK.  You can get in touch with us all at : WhatsApp +447446975214 Email podcast@planetalkinguk.com or comment in our chatroom on YouTube.

Despite the historical energy disruption from the Iran conflict, stocks are back to record highs. Our Global Head of Fixed Income Research Andrew Sheets and our Head of Commodity Research Martijn Rats discuss different views and fundamentals driving markets.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Global Head of Fixed Income Research at Morgan Stanley.Martijn Rats: I'm Martijn Rats, Head of Commodity Research at Morgan Stanley.Andrew Sheets: Today: oil, oil inventories, and the price at the pump.It's Wednesday, May 6th, at 2pm in London.Martijn, it's great to talk to you. We remain in this very unique market where on the one hand, the energy market is severely disrupted. On the other hand, we're making new all-time highs in the stock market. And part of this debate is a creeping sense that maybe the energy market is just a lot more resilient than many people initially thought.So, let's just jump right into it. As you look at the current state of the world, the state of things, how are you seeing the energy market at the moment?Martijn Rats: There are definitely two views in the market. I would say commodity specialists, oil traders, people that trade oil and gas equities for a living, tend to focus on the size of the supply shock. And it is neither hyperbole nor disputed that the size of the supply shock is the largest in the history of the oil market. We have the statistical data to back that up. That is not a controversial statement.But at the same time, the other view in the market, generally held by your generalist investors who invest across many markets. They tend to focus on the likelihood or possibility that this supply shock might also be uniquely short. It was there all of a sudden, from one day to the next, the strait was closed. It felt a bit man-made, so to say. It was an outcome of a political decision, and that can also be undecided. And so, this is – the to-ing and fro-ing in the market is; on the one hand, this shock is very, very large. But the other hand it may also be very, very short.Now we went into this supply shock, arguably well-prepared. In the sense that during the course of like late 2024, all of 2025, and the very early part of 2026, we were telling a story of oversupply surplus. And on top of that, given the military buildup was going on in January and February, a lot of countries in the Arabian Gulf – Saudi Arabia, the UAE, Kuwait – visibly put out a lot of oil at sea.So, in the oversupply of 2025, we put oil in storage in lots of places that we can't always see. But that seems very likely. Oil in the water was very, very high. So, we have been living off these buffers, and that has helped. And then, yeah, at any point in time, there were good enough reasons to assume that on a timeframe of a couple of weeks, this would largely be resolved. We would eat into these buffers, draw some inventory.And it has been hard for the market then to really capitalize the size of the supply shock and say, "Yeah, really oil prices need to spike very, very high." And in that sense, we're left with this significant supply shock, but we haven't taken out the highs that we saw in 2022, for example.Andrew Sheets: So maybe a way to think about this, right, is that if we imagined all of that oil as sitting in a big tank. We've kind of stopped a lot of the flow into the top of the tank as the Strait of Hormuz has remained closed. But oil's still able to drain out of the bottom, kind of, like normal because that tank is being drained. Those inventories have been drawn down. Maybe that's a quite a crude analogy, to forgive the pun.But how long can that last? I mean, if we think about these inventories, if we think about the speed of which they're being drawn down; and I think that's an important point that you mentioned, that these inventories were unusually high going in. But they're obviously not unlimited.Where does that stand? And I guess, you know, what is the limit of that? How long can those inventory draws last?Martijn Rats: Yeah, yeah. To say that this is the billion-dollar question would be understating it, Andrew. It's also a unusually complicated question to answer in the sense that it depends very heavily on the region, on the product that you're looking at. Jet fuel in Europe, NAFTA in Asia, you might see something sooner. But other products in other regions, you know, might take longer.We often don't really know where the operational limitations of inventories are. Globally, we see something like 8 billion barrels of oil in some form of storage. That is an enormous amount. We can't draw that down to zero because a lot of that is there for operational, like working capital type reasons. Just to facilitate the operations of the industry. Is the floor seven? Is the floor six? These things are hard to answer.Andrew Sheets: You've got to have some oil in the pipeline to make the pipeline flow…Martijn Rats: Exactly, exactly. You can't operate a refinery if you don't have at least some storage right next to it. It just doesn't work. So, these things are hard to know. But I would say that we are eating through these buffers very, very re-rapidly now. Oil on water has largely normalized and is no longer elevated.We are seeing very large inventory draws across every data point that we have on refined products. Refined products are universally drawing. On crude, the data is more patchy. But we are seeing large inventory draws now coming through in the United States. I would say – and this is partly having worked with this data for a long time and sort of developing some market feel rather than very analytical spreadsheets, so to say. But I would say that if the flow of oil through the Strait of Hormuz does not resume on the sort of next four to six weeks, we will get very, very tight by June, early summer.And, well, look, I mean, from there, it's simply… You know, if you then were to forecast. You know, project forward from there on. It would be getting tight by August, September. But of course, that's done under the assumption that the flow remains impaired over that period, which I would say most market participants would not assume at the moment.Andrew Sheets: And another point that comes up sometimes, at least in my conversations, is, ‘Oh, but, you know, maybe Venezuelan oil is going to be coming online.' There's more investment. The U.S. seems very focused on increasing oil output in Venezuela. You know, can that match in any sense the scale of what we've had disrupted here?Martijn Rats: No, that is a complicated issue in the sense that, you know, growing oil production takes time. It takes capital, it takes equipment, it takes a lot of people. Venezuela at the moment, produces a bit more than a million barrels a day. I'd have to say, like, relative to the size of Venezuela's production, the last two monthly data points have actually come in better than expected. But you're talking about 100,000 barrels a day, 200,000 barrels a day, that sort of thing. Relative to a supply shock that is 13-14 million barrels a day.The fastest ever single amount of production growth of any country in any year was 2018. U.S. shale with natural gas liquids included grew 2 million barrels a day in a single year. But yeah, even that…Andrew Sheets: So, 2 million barrels relative to 14 million barrels lost is…Martijn Rats: Yeah, exactly.Andrew Sheets A drop in the bucket. Martijn Rats: And that had a huge run-up of several years of putting the infrastructure in place to do that. I mean, it…. You don't turn it on a dime either. So no, that remains difficult.Andrew Sheets: So, you know, maybe a dynamic to close with is actually another way that I think people care about the oil price, you know, besides their portfolio – which is they drive.And, you know, you had a great stat in your report that one out of every 11 barrels of oil that's produced ends up in an American car. And the U.S. is a big producer. Its inventories have been drawing down. There are clear signs that the U.S. is exporting a lot of energy, and as a result, gas prices are also going up in the U.S.So, you know, what… If you could just talk a little bit about the move in gasoline and maybe, you know, I think this could be a good segue into this idea of distillates into, kind of, parts of refined product. And how those prices can deviate or not from the barrel of oil we often talk about. And then even just more generally, kind of what is the price at the pump that people might need to think about as you head into the summer – assuming, you know, this conflict is still somewhat uncertain.Martijn Rats: Yeah. So, the United States is very interesting at the moment. In the sense that the regular discourse about the United States is that the United States is energy independent because it is a net oil producer. And at the most aggregate level, that is correct. But that doesn't mean that the United States is not connected to the rest of the world from an oil market perspective. I would say actually it's the opposite.The U.S. oil market is deeply connected to the rest of the world. It is a net exporter because there are very large imports, and there are very large exports, and it just happens so that the exports are a little bit bigger than the imports. So, it's a net exporter.But flows in both directions exist for every product – for crude, for diesel, for gasoline. So, the U.S. should be the last place to have physical disruptions because the supply is close to home. But in the end, it's so connected; that in the end, there's only one global oil price – and we all pay it, including in the United States.Now, because of the deficits at the moment, in Asia, to [an] extent in Europe, there is a very large pool on oil from the United States, and we're seeing that across the board. Crude oil exports were 4 million barrels a day, at the start of the year. They're now running sort of 5.5, even 6 million barrels a day. So, there's a lot of crude being pulled out of the United States. That is partly also the SBR release, the release from the Strategic Petroleum Reserve. But the export's very, very large.Another product where that is also happening is in gasoline. Now, the gasoline market in the United States has a degree of complexity to it in the sense that the U.S. is a big importer of gasoline in the East Coast and the West Coast, but then a big exporter from the Gulf Coast.Andrew Sheets: Hunh! Okay. Yeah.Martijn Rats: Net-net, it's an exporter, but in the East Coast and the West Coast, big, big importer. Now, in Europe, for example, we are normally long gasoline, short diesel. We export our surplus to the U.S. East Coast. But, at the moment, it's tight in Europe, so we're not exporting that much gasoline. So, imports in the United States have dropped a lot.At the same time, Asian customers, Brazilian customers, Mexican customers [are] pulling a lot of gasoline out of the Gulf Coast. And as a result, the net exports are unusually high for this time of the year. On top of that, the Strait of Hormuz issue has tightened the diesel market so much relative to the gasoline market that it is favorable for refineries to maximize their diesel output over their gasoline output.Andrew Sheets: Hmm. And these are decisions you can make in terms of how you crack that barrel in a refinery and split it up.Martijn Rats: Yeah, exactly. Within a relatively narrow window, but you can make tweaks that are significant. Now, normally, we're going into this summer driving season, refineries switch from what we call max diesel to max gasoline. At the moment, they are not doing that.Andrew Sheets: Mm.Martijn Rats: So, you have low gasoline production, and you have large net exports of gasoline. Over the last 11 weeks already, we have seen a very significant, very significant decline in gasoline inventories in the United States. And prices have risen at the pump. The nation's average is now $4.50 per barrel, as of reports this morning.The summer driving season has yet to start. That can become $4.70, $4.80. That can become $5. Above $5 is historically a point where people get, yeah, worried about demand destruction. And it has a real impact.Andrew Sheets: Well, Martijn, I think this remains such an important and interesting story. And even if, you know, it can seem sometimes like the market has moved on to other things, clearly there are a lot of other factors driving the equity market. It remains pretty historic, pretty significant, and pretty complicated. Also, something that I think, you know, affects the day-to-day spending and lives of a lot of people out there.So, Martijn, again, thank you for taking the time to talk.Martijn Rats: Thank you.Andrew Sheets: And thank you, as always, for your time. If you find Thoughts on the Market useful, let us know by leaving a review wherever you listen. And also tell a friend or colleague about us today.

Today's special guest is Revolve Church Elder - Victor Davis. We talk about Family Worship, Talking Bull Frogs, and Being Refined in the Fire to be more like Jesus.

This special episode of Bread Crumbs was recorded live on April 21, 2026 at The Creation Gospel "Refined by Fire" conference in Gatlinburg, Tennessee. In keeping with the theme of the conference, Grant and Robin discuss how God's essence is fire, how this reality impacts our daily lives, and how in His presence fire and water dwell in peace. So join us for a conversation that will strengthen your faith and firm your walk as you take the path of fire and water. For more teachings by Grant Luton (and to print the notes), visit our website: https://www.TorahTodayMinistries.orgAnd when you visit, be sure to subscribe to our bi-weekly newsletter, which will keep you up to date with news, photos, and upcoming events at Torah Today Ministries.

Hey Well Read Baddies, we're back with another bonus episode! Today we're joined by the ladies of the Refined and Ratchet podcast Charlee and Nisha! Let's just say, this was the kiki session of all kiki sessions, we had ourselves a timeee, be ready to literally LOL!! We talk about how they got their start, the book community and of course what we're all reading and getting into. This convo goes deep and is definitely one we're going to have run back again. And remember, don't be a send out! IYKYK Tap in then leave us a voice note with your favorite moment from the episode, trust there's plenty to choose from ;) It's Book Vote time!! Cast your vote on what you'd like for us to read on the next season of the show here Learn more about Refined and Ratchet and their work ⁠here⁠ Be sure to tune in and check out the But What Do I Know podcast hosted by one of our pod sisters Chid! We can't wait to hear from you! :) Please send any questions or comments about this episode to shewellread@gmail.com OR leave us a Voice Note at https://www.speakpipe.com/shewellread‬ Follow SHE WELL READ! Instagram: https://www.instagram.com/shewellread/ TikTok: https://vm.tiktok.com/ZMeDCLdTX/ Threads: https://www.threads.net/@shewellread Substack- https://substack.com/@shewellread Bookum- https://app.bookumapp.com/clubs/668ad565858c97a7faafafb1 Bookshop Storefront- https://bookshop.org/shop/shewellread More links including discount codes: https://bio.site/shewellread Learn more about your ad choices. Visit megaphone.fm/adchoices

I'm back! We're continuing this season, and I'm going to be diving deeper into cultivating a Christ-centered home. One huge aspect of this includes how to properly nourish our bodies as well as our families.  In today's episode, I'm sharing with you all the truth you need to know about refined white flour. I'm also going to share a variety of flour alternatives that you can use that will help you steward your family's health well! No need to take notes, get all the information here on my blog at toddlermomdiaries.com   Watch the video version of the podcast and subscribe to my channel to support this ministry.   Products Mentioned: Wheat Belly by William Davis 7 Steps to Get Off Sugar and Carbohydrates by Susan Neal Wonder Mill Grain Mill Einkorn Flour Almond Flour Hard White Wheat S3.E8

Sunday, April 19, 2026 ~ Sermon by Pastor Brett JenkinsGeneral podcast introduction using "Be Thou My Vision." General podcast outro using "Be Thou My Vision."

John grew up in Indiana eating Hungry Man dinners, boxes of sugary cereal, and green-frosted Ninja Turtle pies... and no-one ever told him sugar was a problem! By his early 30s he was pushing 290 pounds, prediabetic, and on blood pressure medication.After discovering low-carb eating and spending years experimenting with ketosis, John learned how to train his body to burn fat instead of sugar and refined carbs for fuel. John's wake-up call at age 46 led him to build Rebel Health Alliance, which is a virtual clinic available across all 50 states where physicians, dietitians, strength coaches, and genetic counselors all work together on the client's behalf.Today at 50, John is lean at 6'4" and 220 pounds, and is training to qualify for a marathon!Find John here.To get personalized guidance to stop emotional eating and break free from sugar cravings, plus support and accountability... apply here to join the 90-day program, Freedom from Cravings Formula TODAY. Do the Cravings Quiz and take the first step to get rid of your cravings! Struggling with cravings? Download your 5 tips HERE to discover how you can get rid of cravings... even when you feel tired or stressed.To rate and review this podcast:scroll down in your podcast player on your phone and click on the stars. To leave a review, scroll down a little more and click on "Write a Review". Once you've finished, select “Send” or “Save” in the top-right corner. If you've never left a podcast review before, enter a nickname. Your nickname will be displayed on your review.After selecting a nickname, tap OK. Your review may not be immediately visible, but it should be posted soon. Thank you! - NettaDisclaimer: Information provided by Life After Sugar is not designed to and does not provide medical advice, professional diagnosis, opinion, treatment or services to you or to any other individual. This is general information for educational purposes only. The information provided is not a substitute for medical or professional care. Life After Sugar is not liable or responsible for any advice, information, services or product you obtain through Life After Sugar. You should always seek the adv...

On The Money Café this week, Alan Kohler and James Thomson unpack the fallout from the fire at Viva Energy's Geelong refinery, weigh the war on the ground against the war playing out on markets, dig into Gina Rinehart's latest legal stoush, and field listener questions on the NDIS, energy, housing, AI, and plenty more. Special offer for Money Café listeners: Intelligent Investor Essentials for $297. Includes Alan Kohler’s Weekend Brief, subscriber podcasts, and more, plus a Money Café cap and 3 months Premium. Sign up at moneycafe.com.au. (T&Cs apply)See omnystudio.com/listener for privacy information.

Laurene didn't take the traditional path into financial planning. She took the real one.She started working at 16 to help her family make ends meet after her stepfather had an industrial accident. He went from bringing home $600 a week to $35. So she got a job, stayed in school, and figured out how to navigate a world that doesn't wait for people to be ready.She spent 31 years with AT&T — starting as a junior in high school, working her way up, and eventually retiring at 48 when they laid me off. She had a pension. I had time. And she was not going to spend it babysitting.So Laurene went back to work. She has now had four careers. The one that shaped me most — before financial planning — was 13 years as a business consultant, walking into family-owned businesses and asking every uncomfortable question until people understood what they actually needed. She wasn't the one with all the answers. She was the one who asked until the right answers surfaced.That's exactly what she does now.For the past 13 years, she has been helping people build financial plans that actually hold up — through unexpected illnesses, market downturns, career changes, and the hard questions most advisors never ask. She started in mortgage protection, helping families make sure a mortgage wouldn't become a crisis if someone got hurt or died. Now she works primarily with doctors and high-income professionals who are earning well but haven't had time to build a real plan around what they're earning.Laurene's philosophy is simple: Mission before commission. She doesn't care how much she makes on a plan. She cares whether the plan is right for them. It took me three years to even notice how little she was getting paid by certain carriers — that's how little she was focused on the money. What she focuses on is the outcome.Laurene asks hard questions. she holds her clients accountable. And she show up every year at their anniversary to make sure they're still on track — because a financial plan isn't a one-time event. It's a relationship.Philosophy: Security Over ReturnsHere's what makes her different: she doesn't chase returns. She builds security. Especially for doctors, people already have a high income. What they need isn't more risk. They need a plan that protects what they've built, reduces what they owe to the IRS, and makes sure their family is never left scrambling. That's what they build together.Her primary focus is on doctors and high-income professionals between ages 30 and 50 — people who are earning well, living well, and haven't sat down to build a real plan yet. Whether they're worried about taxes, what happens if they can't work, or just the creeping feeling that they're missing something — I'm probably a good fit.Learn more: https://www.yourwealthrefined.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-laurene-breitkreutz-founder-of-your-wealth-refined-discussing-how-life-insurance-fits-into-retirement

Laurene didn't take the traditional path into financial planning. She took the real one.She started working at 16 to help her family make ends meet after her stepfather had an industrial accident. He went from bringing home $600 a week to $35. So she got a job, stayed in school, and figured out how to navigate a world that doesn't wait for people to be ready.She spent 31 years with AT&T — starting as a junior in high school, working her way up, and eventually retiring at 48 when they laid me off. She had a pension. I had time. And she was not going to spend it babysitting.So Laurene went back to work. She has now had four careers. The one that shaped me most — before financial planning — was 13 years as a business consultant, walking into family-owned businesses and asking every uncomfortable question until people understood what they actually needed. She wasn't the one with all the answers. She was the one who asked until the right answers surfaced.That's exactly what she does now.For the past 13 years, she has been helping people build financial plans that actually hold up — through unexpected illnesses, market downturns, career changes, and the hard questions most advisors never ask. She started in mortgage protection, helping families make sure a mortgage wouldn't become a crisis if someone got hurt or died. Now she works primarily with doctors and high-income professionals who are earning well but haven't had time to build a real plan around what they're earning.Laurene's philosophy is simple: Mission before commission. She doesn't care how much she makes on a plan. She cares whether the plan is right for them. It took me three years to even notice how little she was getting paid by certain carriers — that's how little she was focused on the money. What she focuses on is the outcome.Laurene asks hard questions. She holds her clients accountable. And she shows up every year at their anniversary to make sure they're still on track — because a financial plan isn't a one-time event. It's a relationship.Philosophy: Security Over ReturnsHere's what makes her different: she doesn't chase returns. She builds security. Especially for doctors, people already have a high income. What they need isn't more risk. They need a plan that protects what they've built, reduces what they owe to the IRS, and makes sure their family is never left scrambling. That's what they build together.Her primary focus is on doctors and high-income professionals between ages 30 and 50 — people who are earning well, living well, and haven't sat down to build a real plan yet. Whether they're worried about taxes, what happens if they can't work, or just the creeping feeling that they're missing something — I'm probably a good fit.Learn more: https://www.yourwealthrefined.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-laurene-breitkreutz-founder-of-your-wealth-refined-discussing-risks-in-retirement

Laurene didn't take the traditional path into financial planning. She took the real one.She started working at 16 to help her family make ends meet after her stepfather had an industrial accident. He went from bringing home $600 a week to $35. So she got a job, stayed in school, and figured out how to navigate a world that doesn't wait for people to be ready.She spent 31 years with AT&T — starting as a junior in high school, working her way up, and eventually retiring at 48 when they laid me off. She had a pension. I had time. And she was not going to spend it babysitting.So Laurene went back to work. She has now had four careers. The one that shaped me most — before financial planning — was 13 years as a business consultant, walking into family-owned businesses and asking every uncomfortable question until people understood what they actually needed. She wasn't the one with all the answers. She was the one who asked until the right answers surfaced.That's exactly what she does now.For the past 13 years, she has been helping people build financial plans that actually hold up — through unexpected illnesses, market downturns, career changes, and the hard questions most advisors never ask. She started in mortgage protection, helping families make sure a mortgage wouldn't become a crisis if someone got hurt or died. Now she works primarily with doctors and high-income professionals who are earning well but haven't had time to build a real plan around what they're earning.Laurene's philosophy is simple: Mission before commission. She doesn't care how much she makes on a plan. She cares whether the plan is right for them. It took me three years to even notice how little she was getting paid by certain carriers — that's how little she was focused on the money. What she focuses on is the outcome.Laurene asks hard questions. She holds her clients accountable. And she shows up every year at their anniversary to make sure they're still on track — because a financial plan isn't a one-time event. It's a relationship.Philosophy: Security Over ReturnsHere's what makes her different: she doesn't chase returns. She builds security. Especially for doctors, people already have a high income. What they need isn't more risk. They need a plan that protects what they've built, reduces what they owe to the IRS, and makes sure their family is never left scrambling. That's what they build together.Her primary focus is on doctors and high-income professionals between ages 30 and 50 — people who are earning well, living well, and haven't sat down to build a real plan yet. Whether they're worried about taxes, what happens if they can't work, or just the creeping feeling that they're missing something — I'm probably a good fit.Learn more: https://www.yourwealthrefined.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-laurene-breitkreutz-founder-of-your-wealth-refined-discussing-risks-in-retirement

Laurene didn't take the traditional path into financial planning. She took the real one.She started working at 16 to help her family make ends meet after her stepfather had an industrial accident. He went from bringing home $600 a week to $35. So she got a job, stayed in school, and figured out how to navigate a world that doesn't wait for people to be ready.She spent 31 years with AT&T — starting as a junior in high school, working her way up, and eventually retiring at 48 when they laid me off. She had a pension. I had time. And she was not going to spend it babysitting.So Laurene went back to work. She has now had four careers. The one that shaped me most — before financial planning — was 13 years as a business consultant, walking into family-owned businesses and asking every uncomfortable question until people understood what they actually needed. She wasn't the one with all the answers. She was the one who asked until the right answers surfaced.That's exactly what she does now.For the past 13 years, she has been helping people build financial plans that actually hold up — through unexpected illnesses, market downturns, career changes, and the hard questions most advisors never ask. She started in mortgage protection, helping families make sure a mortgage wouldn't become a crisis if someone got hurt or died. Now she works primarily with doctors and high-income professionals who are earning well but haven't had time to build a real plan around what they're earning.Laurene's philosophy is simple: Mission before commission. She doesn't care how much she makes on a plan. She cares whether the plan is right for them. It took me three years to even notice how little she was getting paid by certain carriers — that's how little she was focused on the money. What she focuses on is the outcome.Laurene asks hard questions. she holds her clients accountable. And she show up every year at their anniversary to make sure they're still on track — because a financial plan isn't a one-time event. It's a relationship.Philosophy: Security Over ReturnsHere's what makes her different: she doesn't chase returns. She builds security. Especially for doctors, people already have a high income. What they need isn't more risk. They need a plan that protects what they've built, reduces what they owe to the IRS, and makes sure their family is never left scrambling. That's what they build together.Her primary focus is on doctors and high-income professionals between ages 30 and 50 — people who are earning well, living well, and haven't sat down to build a real plan yet. Whether they're worried about taxes, what happens if they can't work, or just the creeping feeling that they're missing something — I'm probably a good fit.Learn more: https://www.yourwealthrefined.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-laurene-breitkreutz-founder-of-your-wealth-refined-discussing-how-life-insurance-fits-into-retirement

4-12-2026At Covenant Word Church in Key West Florida

Laurene didn't take the traditional path into financial planning. She took the real one.She started working at 16 to help her family make ends meet after her stepfather had an industrial accident. He went from bringing home $600 a week to $35. So she got a job, stayed in school, and figured out how to navigate a world that doesn't wait for people to be ready.She spent 31 years with AT&T — starting as a junior in high school, working her way up, and eventually retiring at 48 when they laid me off. She had a pension. I had time. And she was not going to spend it babysitting.So Laurene went back to work. She has now had four careers. The one that shaped me most — before financial planning — was 13 years as a business consultant, walking into family-owned businesses and asking every uncomfortable question until people understood what they actually needed. She wasn't the one with all the answers. She was the one who asked until the right answers surfaced.That's exactly what she does now.For the past 13 years, she has been helping people build financial plans that actually hold up — through unexpected illnesses, market downturns, career changes, and the hard questions most advisors never ask. She started in mortgage protection, helping families make sure a mortgage wouldn't become a crisis if someone got hurt or died. Now she works primarily with doctors and high-income professionals who are earning well but haven't had time to build a real plan around what they're earning.Laurene's philosophy is simple: Mission before commission. She doesn't care how much she makes on a plan. She cares whether the plan is right for them. It took me three years to even notice how little she was getting paid by certain carriers — that's how little she was focused on the money. What she focuses on is the outcome.Laurene asks hard questions. she holds her clients accountable. And she show up every year at their anniversary to make sure they're still on track — because a financial plan isn't a one-time event. It's a relationship.Philosophy: Security Over ReturnsHere's what makes her different: she doesn't chase returns. She builds security. Especially for doctors, people already have a high income. What they need isn't more risk. They need a plan that protects what they've built, reduces what they owe to the IRS, and makes sure their family is never left scrambling. That's what they build together.Her primary focus is on doctors and high-income professionals between ages 30 and 50 — people who are earning well, living well, and haven't sat down to build a real plan yet. Whether they're worried about taxes, what happens if they can't work, or just the creeping feeling that they're missing something — I'm probably a good fit.Learn more: https://www.yourwealthrefined.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-laurene-breitkreutz-founder-of-your-wealth-refined-discussing-guaranteed-income-in-retirement

Laurene didn't take the traditional path into financial planning. She took the real one.She started working at 16 to help her family make ends meet after her stepfather had an industrial accident. He went from bringing home $600 a week to $35. So she got a job, stayed in school, and figured out how to navigate a world that doesn't wait for people to be ready.She spent 31 years with AT&T — starting as a junior in high school, working her way up, and eventually retiring at 48 when they laid me off. She had a pension. I had time. And she was not going to spend it babysitting.So Laurene went back to work. She has now had four careers. The one that shaped me most — before financial planning — was 13 years as a business consultant, walking into family-owned businesses and asking every uncomfortable question until people understood what they actually needed. She wasn't the one with all the answers. She was the one who asked until the right answers surfaced.That's exactly what she does now.For the past 13 years, she has been helping people build financial plans that actually hold up — through unexpected illnesses, market downturns, career changes, and the hard questions most advisors never ask. She started in mortgage protection, helping families make sure a mortgage wouldn't become a crisis if someone got hurt or died. Now she works primarily with doctors and high-income professionals who are earning well but haven't had time to build a real plan around what they're earning.Laurene's philosophy is simple: Mission before commission. She doesn't care how much she makes on a plan. She cares whether the plan is right for them. It took me three years to even notice how little she was getting paid by certain carriers — that's how little she was focused on the money. What she focuses on is the outcome.Laurene asks hard questions. she holds her clients accountable. And she show up every year at their anniversary to make sure they're still on track — because a financial plan isn't a one-time event. It's a relationship.Philosophy: Security Over ReturnsHere's what makes her different: she doesn't chase returns. She builds security. Especially for doctors, people already have a high income. What they need isn't more risk. They need a plan that protects what they've built, reduces what they owe to the IRS, and makes sure their family is never left scrambling. That's what they build together.Her primary focus is on doctors and high-income professionals between ages 30 and 50 — people who are earning well, living well, and haven't sat down to build a real plan yet. Whether they're worried about taxes, what happens if they can't work, or just the creeping feeling that they're missing something — I'm probably a good fit.Learn more: https://www.yourwealthrefined.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-laurene-breitkreutz-founder-of-your-wealth-refined-discussing-guaranteed-income-in-retirement

The most dangerous fiber is often disguised as healthy, but could be silently damaging your health. In this video, we'll cover the connection between fiber and gut health, the worst fiber foods to avoid, and the hidden problems with refined fiber they don't want you to know about.0:00 Introduction: What fiber is bad?1:18 Fiber and gut health explained4:24 Refined fiber is toxic fiber 6:06 The problem with processed fiber 6:42 SIBO and refined fiber 7:40 Processed fiber research8:23 Supporting gut health and avoiding processed fiber

I don't think we talk enough about how God can use feedback to shape us.Connect by joining the Free Contagious Victories CommunityVisit Tori's personal blog: OnceUponaTori.comFollow Tori's Personal instagram: @OnceUponA_ToriFollow the show's instagram: @ContagiousVictoriesLearn how to be a guest on the show at ContagiousVictories.com

Welcome to The Profit Talk! In this show, we're going to help you explore strategies to help you maximize profits in your business while scaling and creating the lifestyle that you want as an entrepreneur. I am your host, Susanne Mariga! I'm a CPA, a Fractional CFO, and a Certified Profit First Professional Mastery Level providing tax strategies to 7 and 8-figure entrepreneurs. Let's dive into strategies to maximize profits in your business! In this episode of The Profit Talk Show, host Susanne Mariga welcomes Rachel McMichael, a growth strategist specializing in scaling online businesses through refined messaging, consistent traffic, and authentic collaborations. Rachel helps entrepreneurs break through growth barriers, improve conversion, and build sustainable marketing systems that earn trust and deliver measurable results. Together, we tackle a critical topic—how to refine your offer presentation, generate consistent traffic, and implement data-driven strategies to scale profitably. This conversation is packed with actionable advice for founders seeking authentic growth and marketing accountability. What You'll Learn in This Episode: ✅ Growth Barriers – How offer presentation ("wrapping paper") and attracting enough traffic ("eyeballs") impact scaling. ✅ Market Sophistication – Why authentic messaging is essential to regain customer trust in today's skeptical marketplace. ✅ Buyer Behavior Insights – Customers need to hear an offer 20–40 times and expect 7–10 follow-ups before purchasing. ✅ Traffic and Lead Generation – Key channels include paid ads, organic social media, SEO, and strategic collaborations. ✅ Collaboration Strategy – Focus on serving mutual audiences generously to build trust, authority, and long-term partnerships. ✅ Accountability in Marketing – Founders must understand metrics, own results, and supervise marketing execution for effectiveness. Memorable Quotes:

Ajahn Brahm uses the simile of the thousand-petaled lotus to describe the natural progression of the mind as it enters deep meditation, moving through increasingly deep and subtle stages through the power of mindfulness, kindness, patience, and letting go. This is part of a series of teachings for a retreat led by Ajahn Brahm & Ajahn Canda in the UK on 25th of June 2025. Teaching retrieved from Anukampa Bhikkhuni Project: https://www.youtube.com/watch?v=4vTJkB3hD9s&t=1404s Ajahn Brahm is the Spiritual Adviser of Anukampa Bhikkhuni Project. Donations to Anukampa are welcome, please visit https://anukampaproject.org/donate/ Support us on https://ko-fi.com/thebuddhistsocietyofwa BSWA teachings are available from: BSWA Teachings BSWA Podcast Channel BSWA DeeperDhamma Podbean Channel BSWA YouTube

March is Women's History Month, and today's episode is more than medicine…It's a story of science, courage, and the voices of women who changed everything.For decades, women were told that survival required sacrifice —not just of the breast… but of identity.Radical surgeries.Permanent disability.No questions asked.But something powerful happened.

Refined through fire and waiting, Pastor Matt Cruz shows how God uses pressure to shape faith, build endurance, and anchor life in Christ.

Dante Lauretta explains how after a 2007 rejection he refined the science objectives, coining the name OSIRIS-REx, then assumed leadership after Mike Drake's passing and guided the team through a critical 2014 confirmation review to secure NASA approval.