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1. Supreme Court Tariff Decision A predicted 5–4 ruling upholding presidential tariff authority was incorrect; the Court ruled 6–3 against the administration’s use of one specific tariff statute (AIPA). Majority held that the statute allowed banning imports but not charging tariffs—a conclusion strongly criticized in the dissents (Kavanaugh, Thomas). Despite the ruling, the impact is expected to be limited, as the President has multiple other statutes still available to impose tariffs. A new 10–15% tariff was quickly announced using alternate legal authority. The administration still retains broad power using: Section 338 (1930 Tariff Act) – allows tariffs up to 50% for discriminatory treatment. Section 122 (Trade Act of 1974) – 15% tariffs for 150 days (renewable). Section 301 (Trade Act of 1974) – addresses unfair foreign trade practices. Section 232 (Trade Expansion Act of 1962) – tariffs for national‑security threats. Section 201 (Trade Act of 1974) – safeguard tariffs for import surges. Litigation may unfold for years, potentially costing billions over refunded or contested tariffs. China and Democrats were portrayed as celebrating the ruling, implying political dimension rather than policy substance. Administration aims to use tariffs as leverage for better trade deals, not as permanent protectionism. 2. State of the Union (SOTU) Speech Impact Speech viewed as effective, more disciplined, and likely helpful for midterm momentum. Highlighted major administration achievements: Border control and sharp decline in illegal crossings. Crime reductions (e.g., murder and overdose rates reportedly down by ~20%). Economic relief themes like no tax on tips and overtime. Strong emotional moments involving veterans, Olympians, and American heroes created bipartisan resonance. Speaker Johnson and congressional Republicans portrayed as unusually unified. Coordination with the President seen as stronger than in previous cycles. 3. The Olympic Contrast: Alysa Liu vs. Eileen Gu Alysa Liu Daughter of a Chinese refugee who fled Tiananmen Square. Target of CCP intimidation and espionage on U.S. soil. Required 24/7 FBI protection before the Beijing Olympics. Despite pressure, competed for Team USA and won gold. Story framed as patriotic, resilient, and emotionally powerful. Eileen Gu Also U.S.-born with Chinese heritage. Chose to compete for China after being offered substantial financial incentives. Criticism focused on choosing a communist regime over the U.S., though the speakers avoided personal attacks. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.
On this Friday Q&A episode, Don answers listener questions on international stock overweighting inside a Seattle city retirement plan, whether a Vanguard target-date fund might be a smarter emotional guardrail than self-managing allocations, how much term life insurance a family really needs (hint: it's about replacing income, not funding Ivy League dreams), whether an aggressively small-value–tilted Avantis portfolio is too risky for a disabled early retiree, and how to evaluate a $36,000 pension annuity versus a $500,000 lump sum using withdrawal math instead of Monte Carlo optimism. The recurring theme: feelings aren't an edge, discipline beats prediction, and structure matters more than conviction. 0:09 Fewer recorded questions lately and how to submit them 1:41 Seattle city employee overweighted in international stocks 3:36 Why “historic pivots” and gut feelings aren't an investing edge 4:50 Target-date fund vs. self-built allocation 7:27 Using small-cap/value funds alongside a target-date fund 9:15 Risk tolerance vs. emotional market timing 10:53 How much term life insurance is enough? 12:35 Replacing income vs. funding lifestyle extras 12:44 Aggressive Avantis (AVGV/AVGE/AVNV/DFAW) portfolio review 15:50 What happens if your portfolio drops 50%? 17:10 Pension choice: $36k annuity vs. $500k lump sum 21:29 The 41-year math on the lump-sum difference 22:52 Why lump sum often makes you the “insurance company” Learn more about your ad choices. Visit megaphone.fm/adchoices
Daily Halacha Podcast - Daily Halacha By Rabbi Eli J. Mansour
Whereas Ashkenazic custom requires standing during Kaddish, the accepted practice among Sepharadim is to remain seated during Kaddish, unless one was standing when Kaddish began, in which case he must remain standing (until he completes his "Yeheh Shemeh Rabba" response). Hacham Ovadia Yosef ruled that if a Sepharadi wishes to follow the stringent practice of the Ashkenazim and stand for Kaddish, he should not do so, as this appears arrogant. Since the accepted Sephardic custom is to remain seated, and even the greatest Rabbis sit during Kaddish, making a point of standing gives the appearance of thinking that one is better than everyone else, and this is therefore inappropriate. Hacham Ovadia notes the ruling of the Kol Eliyahu that one who decides to stand during the Torah reading – when the commonly accepted custom is to sit – should be reprimanded for this display of arrogance. By the same token, it is inappropriate to break the accepted Sephardic practice by standing for Kaddish. The Sedeh Hemed (Rav Haim Hizkiya Medini, Hebron, 1834-1904) writes that his practice was to stand for Kaddish. The reason may have been that as a Rabbinic leader, he felt this was an appropriate stringency to accept. Regardless, as a general rule, this is discouraged. Summary: Sephardic practice is to remain seated during Kaddish, and it is improper for a Sepharadi to make a point of standing.
This episode is an unexpected transmission on what it really requires to lead a movement. If you're a woman who already holds power (money, influence, clients, vision), but feels the friction of your next level calling you forward…this is for you. We're talking about erotic power. Capacity. Nervous system regulation. Kinky shadow integration. The edge you're afraid to cross and why crossing it is the key to unlocking your next level of power. Because there is no final level of power. There is only the next edge. The next portal, threshold, crossroad seducing you into even more power than you knew possible. Because it's already there (right here) within you now. Inside this episode we reveal… Why leading a provocative movement requires you to stay at the edge of your power—not settle into comfort or playing small The truth about powerful women…you don't stop becoming powerful, you expand your capacity to hold more How erotic energy is the fastest pathway to influence, visibility, money, and embodied leadership The "dangerous woman" archetype and why systems were designed to make you fear your own authority Capacity work, nervous system regulation, kink, and why holding more money, visibility, and influence must feel safe in your body The rose analogy: how power spirals in layers and why there is always another (deeper) layer to integrate If your body knows there is more power available for you to access right now (and six months from now)… If the edge both excites and terrifies you…but you know it's required…and so is the right room, mentor, and intimate circle of women to hold you as you meet that edge… The Sanctum Mastermind is where you expand your capacity to hold it. Through erotic embodiment, somatic work, pleasure, deep ritual, kink, sisterhood, high-level provocative mentorship. Claim your key. The table is set. Want a deeper glimpse through the keyhole of The Sanctum? Get it exclusively inside my free course, Lead From Your Erotic Edge. Let's get social, sexy: Instagram: https://www.instagram.com/theamberrenee/ TikTok: https://www.tiktok.com/@theamberrenee Threads: https://www.threads.net/@theamberrenee YouTube: https://www.youtube.com/@TheAmberRenee/ Facebook: https://www.facebook.com/share/16E3eSNDNM/?mibextid=wwXIfr Blog page for this episode: https://missamberrenee.com/the-edge-of-your-power-is-required-to-lead-a-movement-bigger-than-you/
No Password Required: Next Gen – Ep. 1 - Michelle McAveety Michelle McAveety- Cyber Competitions, Crowd Surfing & Main-Character Energy Welcome to our new spinoff series, No Password Required: Next Generation. Where we go behind the scenes and interview up-and-coming young professionals in cybersecurity! Whether you're trying to figure out your career path, looking for a little inspiration, or just want to have a laugh while learning about the industry, this show is for you. Real stories. Real journeys. Next Gen Cyber. About this episode: Michelle McAveety is a Computer Engineering and Math student at USF and the Team Captain of the CyberHerd, the university's cybersecurity competition team. We get into the chaos and adrenaline of competition life, what it's like leading in a high-pressure cyber environment, and how she balances it all without losing herself. Spoiler: the answer includes crocheting, blasting heavy metal, going to concerts, and possibly crowd surfing if the vibe is right. Michelle also drops some real advice opening up about the pressure to compare yourself in competitive fields and why staying grounded and focused on your own path is the real win. Follow Michelles journey on linked in! https://www.linkedin.com/in/mcaveety/ Chapters: 00:39 - Who is Michelle? 00:54- Being in Cyberherd 01:38- Hobbies that bring Michelle Joy! 02:51- Comparison and Growth
There comes a point in many therapy careers where working harder is no longer the solution. You can raise your fees. You can tighten your cancellation policy. You can fill every slot on your calendar. And still feel financially vulnerable.In this episode, Ashley Stephens and I explore why supervision often becomes the smarter revenue stream at that stage. Not because it is easy. Not because it is trendy. But because it is structurally different from therapy income.Supervision is tied to licensure. Associates are required to have it in order to practice and accrue hours. That built-in demand creates a level of predictability that weekly therapy referrals simply do not. When designed intentionally, supervision can become a steady arm of your income instead of a reactive scramble.We also slow down and talk about ethics. Required does not mean exploitative. Supervisees deserve clarity, transparency, and the ability to reassess the relationship. Supervisors have obligations too. Contracts matter. Review points matter. Documentation matters. When those systems are in place, supervision supports both parties instead of draining them.And we address the legal realities. Supervising across state lines is not something you assume your way into. The compact does not automatically grant supervision privileges. Most states require full licensure and specific supervisor training. Getting this wrong can cost a supervisee their hours. That is not a risk worth taking.In this episode, we discuss:How supervision creates more predictable income than session-based therapy aloneThe difference between stable revenue and predatory practicesWhy long-term supervisory relationships can reduce burnoutWhat to confirm before offering supervision in another stateIf you have been thinking about adding supervision to your practice or shifting more fully into it, this conversation will help you evaluate that decision through an ethical and business lens. Not as a side hustle. Not as a last resort. But as a deliberate professional move.Download our free resource, Stop Working for Free: The Therapist Fee Reset, to identify where your practice may be leaking money.And if you are ready to build supervision into your model with strong systems and clean boundaries, that is exactly what we teach inside our Step It Up Membership.Get your step by step guide to private practice. Because you are too important to lose to not knowing the rules, going broke, burning out, and giving up. #counselorsdontquit.
If you're not a fan of clipping coupons on your phone, there could be a change coming to your food aisle. A bill in the Illinois Legislature would require grocery stores to offer another option than digital-only coupons.
In the 7 AM Hour: Larry O’Connor and Cassie Smedile discussed: WMAL GUEST 7:05 AM - INTERVIEW - MATT SCHLAPP - chairman of the American Conservative Union and CPAC TOPIC: React to State of the Union and CPAC coming up in Texas NJ DEVILS CROWD GOES NUTS WHEN JACK HUGHES GOES OUT ON THE ICE IN HIS FIRST GAME BACK AFTER THE OLYMPICS.WMAL GUEST 7:35 AM - INTERVIEW - RON HALBER - Chief Executive Officer of the Jewish Community Relations Council of Greater Washington TOPIC: Halber called out the political candidate questionnaire developed by the Democratic Socialists of America’s (DSA) Metro DC chapter for "encouraging the systematic erasure of Jewish and pro-Israel Americans from public life." Trump administration considers requiring banks to collect citizenship information Where to find more about WMAL's morning show: Follow the Show Podcasts on Apple podcasts, Audible and Spotify. Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @Jgunlock, @patricepinkfile, @CMSmedile and @heatherhunterdc. Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Show Website: https://www.wmal.com/oconnor-company/ How to listen live weekdays from 5 to 9 AM: https://www.wmal.com/listenlive/ Episode: Thursday, February 26, 2026 / 7 AM Hour See omnystudio.com/listener for privacy information.
Most people spend significant time planning how to build wealth, but far fewer consider how their family would access that wealth if something unexpected happened. For Americans living in Israel who maintain U.S. brokerage or retirement accounts, that question can be more complex than it appears. The challenge usually involves authority, documentation, and cross-border procedures. From the outside, U.S. accounts often appear unchanged after someone relocates to Israel. Statements arrive, online access continues, and the accounts seem stable. That familiarity can create comfort, but it can also hide administrative challenges that surface during estate transitions. When inheritance meets two legal systems Inheritance is often assumed to be simple. A relative passes away, assets transfer to heirs, and accounts continue under new ownership. Cross-border estates rarely follow that pattern. Consider a common situation. A son lives in Israel while his parent maintains brokerage accounts in the United States. The parent passes away and the will names the son as the heir. From the son's perspective, the next step seems straightforward. Notify the financial institution, submit documentation, and transfer the accounts. Instead, access to the accounts often stops immediately after the parent's death. Financial institutions typically freeze accounts once they receive notification. This step protects assets and ensures that only properly authorized individuals can act. At that point, the focus shifts from who should inherit the assets to who has legal authority to act on behalf of the estate. That distinction frequently creates confusion. Family expectations often rely on intent. Legal systems rely on documentation and verification. When required paperwork is incomplete or delayed, inheritance can slow significantly. Beneficiary designations and wills Many retirement and brokerage accounts use beneficiary designations on their retirement accounts. When completed correctly and kept current, they normally allow assets to transfer directly to heirs without probate. Financial institutions still require verification before releasing assets. But regular brokerage accounts don't usually have the possibility of a beneficiary designation. "What about transfer-on-death accounts (TOD)?" you might ask. If the account owner and heirs all live in the United States, that might work, but for people who live overseas, the TOD may not work and the brokerage firms may require a probated will. Probate is the court-supervised process that confirms who has legal authority to inherit assets. Depending on jurisdiction and estate complexity, it can take considerable time and delay account access. Power of attorney can create misunderstandings. While it may allow someone to manage accounts during a person's lifetime, that authority generally ends at death. Even if a family member previously helped manage accounts, that control disappears once the account holder passes away. Online account logins do not replace legal authority and continued use after death can create additional complications. Additional documentation cross-border families often face Cross-border inheritance frequently introduces procedural steps that families do not anticipate. Documents may require notarization, apostilles, or translation. Financial institutions may request tax clearance before releasing assets. Communication often involves multiple time zones and unfamiliar regulatory processes. Each requirement exists for protective and regulatory reasons. Financial institutions must verify identity, confirm authority, and comply with legal obligations. For families managing responsibilities from another country, the administrative process can still feel overwhelming. Many individuals assume that having a will resolves these challenges. A will remains an important estate planning document, but it functions within the legal system where it was created. When heirs live abroad, additional validation steps may still be required. Why inheritance paperwork often continues after assets transfer Inheritance rarely ends when accounts transfer. It often unfolds in stages that may include estate administration, account restructuring, and tax considerations across multiple countries. In the United States, estate taxes may apply depending on estate size and applicable thresholds. In Israel, receiving inherited assets may create reporting obligations depending on the circumstances. If inherited investments are later sold, capital gains rules in one or both countries may apply. Retirement accounts such as IRAs can introduce further complexity. Required minimum distributions may create ongoing reporting responsibilities and potential taxable events based on the heir's individual situation. This article is intended for educational purposes only and should not be considered financial, legal, or tax advice. Each situation involves unique factors and should be reviewed with qualified professionals. Planning that may help reduce future delays Cross-border estate planning does not eliminate complexity, but it can reduce uncertainty and help coordinate financial, legal, and administrative processes. Families who experience smoother inheritance transitions often share several habits. They periodically review beneficiary designations to confirm they reflect current intentions. They maintain organized records of accounts, financial institutions, and contact details. They revisit estate planning documents after relocating to Israel to confirm the structure remains effective. When planning evolves alongside life changes, families often encounter fewer unexpected administrative obstacles. Practical steps that may improve preparedness Americans living in Israel who maintain U.S. investment accounts may benefit from several foundational steps. Maintaining a consolidated list of accounts can help family members identify financial institutions and contact details if needed. Reviewing beneficiary designations can help confirm retirement accounts align with estate planning goals. Discussing financial account access with family members may help clarify who should contact financial institutions and which documentation may be required. These steps do not eliminate every challenge, but they may reduce uncertainty and help families navigate complex situations more effectively. Schedule a Conversation If you are living in Israel and managing U.S. brokerage or I.R.A. accounts, and you are unsure whether your investments still make sense for your situation, it may be worth taking a fresh look. You can book a free cross-border evaluation call here: https://profile-financial.com/call. It is a no pressure conversation and a chance to see whether your current setup aligns with how you live today.
IEC 60601 has been central to medical electrical equipment safety for decades. From the prescriptive approach of the 2nd edition to the risk-based philosophy introduced in the 3rd edition, the standard has continuously evolved to address technological and regulatory complexity.Now, the upcoming 4th edition represents more than an amendment — it signals a structural transformation.This article explores:The Evolution of IEC 60601• Key shifts from the 2nd to the 3rd edition• Why risk management became central• What lessons shaped today's safety philosophyWhat the 4th Edition Brings• A major rewrite rather than incremental updates• The introduction of “atomic requirements”• Structural clarity for manufacturers, test labs, and regulators• Emerging technical considerations (digitalization, AI, cybersecurity, home use)Impact on Existing Devices• Will re-testing be required?• How to assess validity of existing test reports• Transition strategies with notified bodiesIntegration into Design & Documentation• Embedding IEC 60601 into risk management from day one• Required updates in risk files, EMC documentation, labeling, and usability engineering• Practical advice for SMEs with limited resourcesThe Future of IEC 60601• Greater harmonization with ISO 14971 and IEC 62304• Alignment with digital and AI regulatory frameworks• The long-term outlook for medical electrical safetyFor manufacturers, the message is clear:IEC 60601 is not just a testing standard — it is a design and risk management framework that must be integrated early and strategically.Who is Monir El Azzouzi? Monir El Azzouzi is the founder and CEO of Easy Medical Device a Consulting firm that is supporting Medical Device manufacturers for any Quality and Regulatory affairs activities all over the world. Monir can help you to create your Quality Management System, Technical Documentation or he can also take care of your Clinical Evaluation, Clinical Investigation through his team or partners. Easy Medical Device can also become your Authorized Representative and Independent Importer Service provider for EU, UK and Switzerland. Monir has around 16 years of experience within the Medical Device industry working for small businesses and also big corporate companies. He has now supported around 100 clients to remain compliant on the market. His passion to the Medical Device filed pushed him to create educative contents like, blog, podcast, YouTube videos, LinkedIn Lives where he invites guests who are sharing educative information to his audience. Visit easymedicaldevice.com to know more. If you need help implementing QMSR or preparing your teams for FDA inspections, contact: info@easymedicaldevice.com If you are located outside the EU/UK/Switzerland and need an Authorized Representative (and possibly an Importer), we can support you as well.LinkLeo Linkedin: https://www.linkedin.com/in/leoeisnersafetyconsultants/Social Media to followMonir El Azzouzi Linkedin: https://linkedin.com/in/melazzouziTwitter: https://twitter.com/elazzouzimPinterest: https://www.pinterest.com/easymedicaldeviceInstagram: https://www.instagram.com/easymedicaldeviceThis podcast is powered by Podcastics, the easiest platform to create and publish your podcast.
For most companies in the oil industry, drilling new wells is a major part of their business strategy. Today, we're highlighting a firm that's taking a very different tack. Will Ulrich has served as co-CEO of Presidio Petroleum alongside his partner Chris Hammack, since founding the company in 2017. Presidio's mission is to generate the oil industry's best return on capital by delivering the industry's lowest operating expenses, highest profitability and best emissions profile — all without doing any drilling. Today, Will shares Presidio's unique approach to value creation, their upcoming plan to go public via business combination, and the reasons why they're optimistic for the future. Highlights:Founding Presidio (1:57)Going Public (4:45)The end of the 'Capital Intensive Shale Era' (7:06)Institutional Backing (8:58)Dividend (10:46)Private Equity (13:58)Reducing Operating Costs (17:21)Field Incentive Plan (20:55)Stable Well Production (22:30)Hedging (23:42)CapEx (25:43)Acquisition Strategy (27:23)5-year Outlook (29:17)Links: Will Ulrich LinkedInPresidio LinkedInPresidio WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co.
As Jeremy's church moves from survival to sustainability—new building, construction, momentum—he asks a question that every growing leader must wrestle with:Which leadership habits that served me early on still belong in this season… and which ones could now be holding us back?This conversation is packed with clarity for pastors navigating growth, change, and increasing demands.In this episode, we talk through:• Why structure must change when the nature of your church changes• How momentum can exaggerate strengths while hiding weaknesses• The danger of measuring only attendance and offering• How to measure activities that actually predict long-term health• How to protect your heart as pressure and criticism increase• The difference between being out of balance vs out of obedience• Why leaders need both a mentor and a coach—and why they are not the sameIf your church is growing—or you're praying for growth—this episode will help you think more strategically about leadership, culture, and sustainability.
We get into the simplest truth in the hobby: if you don't like how someone does business, don't reward it. Whether it's grading fees, breakers, platforms, or companies making decisions you disagree with, your real vote is your wallet. Complaining without changing behavior is pointless. From there, Kyle explains why he's never graded a card and why he prefers cards in one touches over slabs, plus how nostalgia-driven collecting can be a legitimate lane in a hobby that keeps getting louder and more expensive. We also hit a key content topic: the difference between people who simply post and people who actually create. Kyle lays out why real creators engage, take feedback, and evolve, and why so much hobby content feels stale right now. The segment closes with a bigger reality: modern wax and modern hype are increasingly not built for the average collector. So the move is not to panic or posture, it's to adapt and collect in a way that still brings real joy. Learn more about your ad choices. Visit megaphone.fm/adchoices
David Livingston of The Space Show and Kishalay De of Columbia University discuss a star collapsing into a black hole without a supernova, challenging established theories about the minimum mass required for such cosmic events. 9.1951
SummaryIn this episode of the Stellar Teacher Podcast, host Sara Marye discusses the challenges and strategies for teachers dealing with mandated curriculums. She emphasizes the importance of recognizing gaps in the curriculum, enhancing instruction with supplemental resources, focusing on effective teaching methods, and using assessment data to justify changes. The episode provides practical tips for teachers to navigate the constraints of mandated curriculums while still meeting the diverse needs of their students.TakeawaysEvery class has unique needs that may not be met by a standard curriculum.Identifying gaps in the curriculum can provide opportunities for creative teaching.Enhancing instruction with supplemental resources can improve student engagement.Focusing on the 'how' of teaching can be more impactful than the 'what'.Teachers can control how students process their learning even within a rigid curriculum.Using assessment data can help justify changes to the curriculum.It's important to advocate for what works best for students.Teachers should feel empowered to supplement their mandated curriculum.Professional judgment is key in navigating curriculum requirements.Resources:Join The Stellar Literacy CollectiveGet the Stellar Intervention ToolkitSign up for my Private Podcast: Confident Writer Systems SeriesSign up for my FREE Revision Made Easy email seriesIf you're enjoying this podcast, please leave a review on Apple Podcasts!
If you've ever tried to “earn” your food with workouts or punish yourself for indulgent weekends, this episode is for you. I dives deep into the toxic reward-and-restriction cycle so many high-achieving women are stuck in—and shows you how it's sabotaging your fat loss, hormone health, and relationship with food.Learn the science of under-fueling, how fasted workouts impact your nervous system, and what it really takes to eat like someone who wants to feel strong, calm, and energized. Ditch the diet guilt and discover how to fuel your body with intention, not shame.If you're interested in more mindset and health hacks for overwhelmed women, find me on Instagram @jaimefilerfitness, or head to https://call.jaimefiler.com/form to learn more about the 16 week 3R Method
Midnight Mike is the host of a weekly conspiracy, paranormal, news talk show calledOBDM, and also a co-host of Doom Scrollinwith Sam Tripoli, and co-host of the wildly popular round-table discussion podcast, The Union of the Unwanted, with Charlie Robinson (Macroaggressions), Sam Tripoli (Tin Foil Hat), and Ricky Varandas (The Ripple Effect).MIDNIGHT MIKEWebsite: https://ourbigdumbmouth.com/YouTube: https://www.youtube.com/@obdmpodRumble: https://rumble.com/user/obdmDoomScrollin: https://samtripoli.com/doomscrollin/X: https://x.com/obdmpodIG: https://www.instagram.com/obdmpod/THE RIPPLE EFFECT PODCAST:WEBSITE: http://TheRippleEffectPodcast.comWebsite Host & Video Distributor: https://ContentSafe.co/SUPPORT:PATREON: https://www.patreon.com/TheRippleEffectPodcastPayPal: https://www.PayPal.com/paypalme/RvTheory6VENMO: https://venmo.com/code?user_id=3625073915201071418&created=1663262894MERCH: Store: http://www.TheRippleEffectPodcastMerch.comTHEORY 6 MUSIC: https://open.spotify.com/artist/1w91xRlB4b2MJYyXXhJcyFSPONSORS:OPUS A.I. Clip Creator: https://www.opus.pro/?via=RickyVarandasScott Horton Academy: https://scotthortonacademy.com/rippleeffectUniversity of Reason-Autonomy: https://www.universityofreason.com/a/2147825829/ouiRXFoLWATCH:OFFICIAL YOUTUBE: https://www.youtube.com/@TheRippleEffectPodcastOFFICIALYOUTUBE CLIPS CHANNEL: https://www.youtube.com/@RickyVarandasLISTEN:SPOTIFY: https://open.spotify.com/show/4lpFhHI6CqdZKW0QDyOicJiTUNES: http://apple.co/1xjWmlFTHE UNION OF THE UNWANTED: https://linktr.ee/TheUnionOfTheUnwanted
The government is tightening enforcement for truck driver training and English proficiency. AP correspondent Jennifer King.
send us a text via Fan Mail!In this part two I discuss more practical aspects of record keeping, transcript writing and building healthy communication with our teens. 1:02 - What is a transcript? 4:15 - Systems for assigning credits 7:16 - Required and elective courses9:30 - Importance of record keeping13:23 - Our role as a parent18:23 - Support and communicationPlanning pages for high school homeschooling high school: a typical course of study, what does that even mean? (blog post) Contact On Instagram at @make.joy.normal By email at makejoynormal@gmail.com Search podcast episodes by topic www.bonnielandry.ca Shop my recommended resources Thanks for listening to Make Joy Normal Podcast!
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https://revolutionky.org/required/
In this episode of Once Upon A Park, we're keeping it casual and counting down our Top 10 Quick Service restaurants at Walt Disney World. These are the spots we rely on when we want great food without slowing down the magic, the places that consistently deliver on flavor, value, and convenience. From hidden gems to fan favorites, we're sharing the quick bites that are actually worth your time (and your mobile order).If you're planning your park days and want to eat well without booking a reservation, this episode is your go-to guide. Come hungry, and maybe with your My Disney Experience app ready.If you're loving the show, we'd be so thankful if you could leave us a review! ⭐️⭐️⭐️⭐️⭐️IG: @OnceUponAParkPodcastErica IG: @TravelPlannerEricaJonny IG: @Darth.MouseEmail Us: OnceUponAParkPodcast@gmail.comReady to plan a trip to Disneyland or Walt Disney World? Or are you ready to set sail with Disney Cruise Line? I'd love to help! Visit my travel website at www.TravelPlannerErica.com
➡️ Connect with Jasmine Arora: -Schedule Free Strategy Call: https://jasminearora.ae/skipthetrialanderroragentedge -LinkedIn: https://www.linkedin.com/in/socialjasmine/ -Instagram: https://www.instagram.com/jasminearora.ae -YouTube: https://www.youtube.com/@Milliondirhamagents ➡️ Want To Learn More About Partnering With Me at eXp (Get all my Training & Coaching For Free) Schedule a Zero Pressure, Fully Confidential Zoom Call with me: https://go.oncehub.com/PartnerwithJoshuaSmithGSD ➡️ Connect With Me On Social Media: Facebook: https://www.facebook.com/JoshuaSmithGSD Instagram: https://instagram.com/joshuasmithgsd/ About Joshua Smith: -Licensed Realtor/Team Leader Since 2005 -Voted 30th Top Realtor in America by The Wall Street Journal -NAR "30 Under 30" Finalist -Named Top 100 Most Influential People In Real Estate -Top 1% of Realtors/Team Leaders Worldwide -6000+ Homes Sold & Currently Selling 1+ Homes Daily -Featured In: Forbes, Wall Street Journal, Inman & Realtor Magazine -Realtor, Team Leader, Coach, Mentor
In this episode of the Medical Sales Podcast, Samuel Adeyinka sits down with Gage Mize, Director of Government Sales at Med Pro Associates, to break down what "government sales" really looks like inside healthcare. Gage explains how a 1099 contract sales organization supports VA and DoD facilities by representing dozens of manufacturers, from capital equipment to everyday disposables, and why understanding contracting, credentialing, and call point strategy is the real gateway to winning in this space. You'll hear what a day in the life looks like with true autonomy, the skill set that makes or breaks reps in the 1099 world, and how top performers win by staying consultative, educational, and relentless with follow up. Gage also shares realistic earning ranges, how long it takes to build momentum, the truth about access challenges in the VA, and the mindset shift that helped him thrive early in his career. Connect with Gage Mize: LinkedIn Connect with Me: LinkedIn Love the show? Subscribe, rate, review, and share! Here's How »
The business climate has changed — and leadership must change with it. In this episode, Brian outlines the leadership shift required to win in private practice in 2026 and beyond. Winning isn't accidental, and it isn't emotional. It's measurable. It comes down to three pillars: People, Products, and Profits. Are you building a culture of contribution? Delivering outcomes that drive loyal referrals? Operating at a true 15–20% net profit? The owners who win today observe, decide, and act. They lead strategically instead of reacting to circumstances. If you want freedom, profitability, and long-term growth, this episode lays out the standard required to get there.
Most companies don't stall before $100M because of strategy — they stall because the founder can't see the business at $100M, and the team feels that ceiling.In this episode of The $100M Entrepreneur Podcast, Brad Sugars sits down with Jeb Blount to break down what it really takes to scale: building momentum, moving fast, and replacing “sales heroes” with a repeatable sales system (recruiting, onboarding, ramp time, comp, playbooks, and leadership). They also dig into when growth requires acquisition — and why you can't scale chaos.Subscribe and share this with the founder who's still doing it all.About Jeb Blount:Jeb Blount is the Founder and CEO of Sales Gravy, a global sales training and coaching organization. He's a bestselling author of 17+ books on sales and sales leadership, including Fanatical Prospecting, Sales EQ, Objections, The AI Edge, and The LinkedIn Edge. He's also a keynote speaker and the host of the Sales Gravy podcast.About Brad SugarsInternationally known as one of the most influential entrepreneurs, Brad Sugars is a bestselling author, keynote speaker, and the #1 business coach in the world. Over the course of his 30-year career as an entrepreneur, Brad has become the CEO of 9+ companies and is the owner of the multimillion-dollar franchise ActionCOACH®. As a husband and father of five, Brad is equally as passionate about his family as he is about business. That's why, Brad is a strong advocate for building a business that works without you – so you can spend more time doing what really matters to you. Over the years of starting, scaling and selling many businesses, Brad has earned his fair share of scars. Being an entrepreneur is not an easy road. But if you can learn from those who have gone before you, it becomes a lot easier than going at it alone. Please click here to learn more about Brad Sugars: https://bradsugars.com/Build a Business That Gives You More Time, Money & Life: Get The $100M Playbook: https://go.bradsugars.com/100m-playbook-ebook
Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just “lowest fees,” including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning
Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just "lowest fees," including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning
A sermon preached by Rev. Ginger Gaines-Cirelli with Foundry UMC February 8, 2026. “Piece Us Together” series. Texts: Isaiah 58:1-12; Matthew 5:17-20 Our guest preacher last week invited us into the ancient wisdom of Micah 6:8—to do justice, to love kindness, and to walk humbly with God. In response to that sermon, someone commented online: “Sad when preachers preach from the old fallen Old Testament. God speaks through Jesus and Jesus said he was to be our only teacher.” I had to hold back from replying with a bit of pastoral snark: I guess you missed the day in class when Jesus said, “Do not think that I have come to abolish the law or the prophets; I have come not to abolish but to fulfill.” Jesus' whole life is an embodiment of the righteousness the law seeks to teach and the justice the prophets longed to proclaim and enact. In Scripture, “law” isn't a cold rulebook or a list of religious regulations. It's God's teaching for how a community actually lives—how neighbors treat one another, how power is exercised, how workers are paid, how the vulnerable are protected. Jesus does not stand over the law and the prophets, correcting them. He stands within them, holding together what has too often been pulled apart—faith and life, prayer and practice, belief and behavior. Jesus does not discard the law and the prophets; he pieces them together, aligns them with flesh and breath and human relationships, and shows us what they look like when lived fully. Jesus comes to help us align our lives with the deep purposes of God so that peace with justice—what Dr. King called the Beloved Community—can begin to take shape among us. That is why Isaiah 58 lands so powerfully today. Isaiah and Jesus are speaking the same theological language, even as they speak in different moments. And Isaiah does not ease into the message. He comes out of the gate strong: “Announce to my people their rebellion, to the house of Jacob their sins. Yet day after day they seek me and delight to know my ways, as if they were a nation that practiced righteousness and did not forsake the ordinance of their God; they ask of me righteous judgments; they want God on their side.” That little phrase—“as if”—is a doozy. Isaiah is describing a people who are deeply religious: faithful in worship, earnest in prayer, fluent in the rituals and language of faith—as if they were practicing righteousness, as if they had not forsaken God's ordinances. This is not hypocrisy in the cheap sense. It is being faithful in form, but disconnected in practice. They want God near. They want God responsive. They want God on their side. But even as they do all the religious things—fasting, sackcloth, ashes—they forsake God's ordinances—the Hebrew word is mishpat: meaning justice that treats people fairly and equitably. They are acting religious without making God choices, without doing justice. In our current context, it would be very easy to take that “as if” and aim it outward. To point fingers at national leaders who wear big crosses around their necks, hold Bibles for photo ops, show up at public prayer services and then post vile, racist images, enact cruel policies, and unleash violent overreach. It would be easy for me, especially after what I've seen and heard recently, to let my anger form words that strike like a fist. I recently returned from Minneapolis. I heard firsthand stories of families targeted by ICE—stories of fear that lives in bodies and homes, stories of trauma caused by aggressive and dehumanizing enforcement. I've stood at the sites where neighbors lost their lives as they sought to defend and protect others. I also heard anger—anger rooted not only in what is happening now, but in decades of suffering that has gone unseen, unheard, and unaddressed: unmet needs, unacknowledged harm, voices crying out long before the rest of us were paying attention. Isaiah would tell the truth about all of that. Jesus would too. Truth-telling is part of faithfulness. But Scripture is equally clear that how we tell the truth matters. Neither Isaiah nor Jesus believes that mockery creates peace. Neither believes that humiliation heals wounds. Isaiah is clear: the fast God chooses is not one that strikes with the fist or points the finger. Walter Brueggemann reminds us that to be prophetic is not simply to condemn wrongdoing, but to name pain, to let suffering be seen and heard. That happens when we listen to stories we would rather avoid, when we allow another person's fear or anger to interrupt our assumptions, when we allow the realities of human suffering to disrupt the status quo. Brueggemann writes, “The replacing of numbness with compassion… signals a social revolution.” Healing—personal or communal—does not begin with denial. It begins when pain is clearly named and acknowledged. In Minneapolis, I had the opportunity to practice listening to stories I would have preferred to avoid. I heard how African American, African, and other immigrant communities struggle to maintain trust and true solidarity. As one of the few white people in the room, I heard stories of perhaps well-meaning, mostly white progressives who alienate Black communities over ideological issues while ignoring the chronic poverty and violent injustice they face every day. “They talk about unity, but want uniformity,” someone said. “They turn out in record numbers in this moment—but can they say the names of the young people in our community who are shot in the back on a regular basis?” I found myself thinking about how the intersections of race, class, ideology, and power I encountered in Minneapolis echo right here in Washington, DC. And all I could do—and all I can do right now—is ask God to keep me open and available: open to listen, open to learn how my own heart and practice need to change, and open to receive guidance about how to lead us, as a congregation, in faithful response both locally and nationally. That is what Isaiah calls for. And that is what Jesus fulfills. Jesus does not abolish the law and the prophets; he embodies them. Grace, in Jesus' life, is not God letting us off the hook. Grace is God drawing near—giving us strength to change, courage to repair, and patience to stay in relationship when walking away would be easier. Righteousness, in Scripture, is not moral superiority. It is right relationship—with God and with one another. Justice is not an abstract ideal. It is fair and equitable treatment that restores dignity and life. Grace does not replace these. Grace makes them possible in real life. Isaiah makes this concrete. The work of justice and righteousness he describes is not lofty or abstract. It looks like ordinary—and costly—faithfulness: loosening the bonds of injustice, undoing heavy yokes, letting the oppressed go free, sharing bread with the hungry, sheltering the unhoused poor, clothing the naked, and—this one cuts close—not hiding from your own kin. Right now, there are many who have every right and reason to hide. Because if they leave their driveway, they risk being stopped, dragged from their car, and taken to a detention center without due process—or even a question about their citizenship. Because if they go to school, they might be used as bait to lure a parent into detention. Because if they go to worship, they may be rounded up simply for having brown skin or wearing a hijab. But for many of us, hiding takes a different form. We hide when we scroll past suffering because it overwhelms us. When we tell ourselves someone else is better equipped to respond. When we protect our comfort instead of risking connection. When we retreat because we are not the ones being targeted. Isaiah refuses to bless that retreat. And Jesus fulfills that refusal by drawing the circle of kinship wider and wider, putting his own life on the line in true solidarity and love. Peace—real peace—does not come from choosing the right side or going through the motions of religion or shallow relationships that avoid telling the truth. It comes from aligning our lives with the way of God's love as embodied in Jesus. And that alignment is not abstract. It looks like courage without cruelty. Truth-telling without humiliation. Resistance without dehumanization. In Minneapolis, I was struck by stories of people who are embodying exactly that. The resistance in that city right now is overwhelmingly nonviolent, creative, organized, and relentlessly resolute in defense of their neighbors. And my heart aches as I reflect on Renee Good's last words: “I'm not mad at you.” And Alex Pretti's… “Are you okay?”—spoken while trying to help a woman who had just been pepper-sprayed during an encounter with immigration agents. In moments of grave danger, these siblings resisted harm without surrendering their humanity—or anyone else's. That is strength shaped by love. That is what we are called to embody. Isaiah dares to imagine what becomes possible when lives are aligned with God's way of love: light breaking forth like the dawn, wounds healing, guidance emerging, communities rebuilt, streets restored for living. We—even we—can become repairers of the breach, restorers of what violence has torn apart. Most of us won't do this in grand gestures, but in daily choices. So maybe this week, we—all of us—can be intentional about our choices: to listen before reacting, to stay present when retreat feels safer, to use our resources—time, money, influence—to stand with neighbors rather than hide from them. Not selective solidarity, but embodied faithfulness. These are the pieces that make for peace. And by God's grace, they are the pieces Christ is still fitting together—in us, among us, and through us—for the healing of the world.
The Commission on Filipinos Overseas has launched an online Visa Class Checklist to help travellers determine if they need to undergo registration before their scheduled departure. - Inilunsad ng Commission on Filipinos Overseas ang isang online Visa Class Checklist upang tulungan ang mga biyahero na mabilis na matukoy kung kailangan nilang sumailalim sa registration bago ang kanilang nakatakdang pag-alis.
Episode Summary Auditing your expenses can dramatically improve financial awareness, helping you identify money leaks and understand your true living costs. In this episode, the hosts present a structured four-step framework aimed at facilitating regular expense audits, which ideally should be conducted annually. The discussion includes practical strategies for tracking subscriptions, variable expenses, and distinguishing between required and discretionary spending. By adopting a calculated approach to expenses, you can effectively mitigate lifestyle creep while ensuring every dollar serves a purpose. Key Tactical Takeaways Conduct an Annual Expense Audit: Establish a routine to review expenses at least once a year to stay on top of spending habits and identify areas for improvement. Categorize Every Expense: Break down expenditures into necessary (fixed costs) and discretionary (variable costs) categories for clearer insights. Use a Value Matrix: Assess expenses based on their joy and necessity to inform which should be retained, reduced, or eliminated. Track Subscriptions and Variable Costs: Pay attention to recurring payments, particularly those related to entertainment and services like streaming or software. Calculate the Long-Term Impact of Small Savings: Remember that cutting small monthly expenses can significantly affect your financial independence number over time. Core Rules & Formulas Rule Explanation Annual Expense Audit Review all expenses once a year to prevent overspending and identify leaks. Categorization of Expenses Differentiate between Required (fixed) and Discretionary (variable) expenses. Value Matrix Implementation Organize spending into High Joy/ Low Joy and Essential/ Eliminate quadrants. Prioritize Necessary Expenses Always account for essential bills, including utilities, groceries, and housing costs. Evaluate Impact of Expenses Each $100 cut from monthly expenses reduces your FI number by $30,000 and if invested can generate $60,000 over time (20-year horizon). Tools, Accounts, or Strategies Mentioned Tool/Strategy Link/Description Expense Audit Spreadsheet Download here Value Matrix Framework Framework for analyzing the necessity and joy of expenses. Resources & References ChooseFI Episode 009: Travel Rewards Framework Expense Audit Spreadsheet: Download What To Do Next Join the Expense Audit Challenge: Participate in the community challenge to gain insights and support while auditing your finances. Download Your Bank and Credit Card Statements: Begin your audit by gathering statements from the last few months. Categorize Your Expenses: Use the expense audit spreadsheet to identify necessary vs. discretionary spending. Reflect on Your Findings: After auditing, identify any hidden expenses or subscriptions that can be cut, and share insights with the community at choosefi.com/login. Conducting an Effective Expense Audit: A Step-by-Step Guide Understanding the Expense Audit Definition: An expense audit is a systematic review of your expenditures to identify unnecessary spending and money leaks. Goal: The aim is to clarify how much your life actually costs. Importance of Regular Expense Audits Frequency: Conduct an expense audit at least once a year to keep track of spending habits. Long-term Tracking: Monitor for lifestyle creep, which can happen gradually and affect your financial health over time. Action Steps to Begin Your Expense Audit Gather Financial Data: Download your recent bank and credit card statements (last 3 to 4 months). Check statements for variances and patterns in spending. Categorize Your Expenses: Separate them into categories such as housing, transportation, food, entertainment, and miscellaneous. Include all necessary and discretionary expenditures. Identifying Money Leaks Subscription Services: Track all recurring subscriptions and evaluate their necessity. Variable vs. Fixed Expenses: Distinguish between fixed permissible expenses (mortgage, insurance) and variable spendings (dining out, entertainment) to identify areas for improvement. Implementing a Value Matrix Categorization: Create a value matrix to differentiate between: High Joy (essential to happiness) Low Joy (non-essential) Essential (required for daily living) Eliminate (unnecessary expenses) Analyze Each Category: Assess each item in terms of value and joy to decide if it should remain in your budget.
In this week's message, “Demolition Required,” Pastor Owen Miller invites us into the refining, renewing work of Jesus described in Matthew 3:11–12. John the Baptist paints a vivid picture of the Messiah standing with a winnowing fork in his hand—separating wheat from chaff, preserving what is good, and clearing away what cannot remain.Pastor Owen reminds us that this is the very heart of sanctification. Jesus lovingly enters the hidden corners of our lives, not to shame us, but to transform us. His work often feels like demolition—tearing down old patterns, false identities, and the debris of sin—but it is always for the sake of rebuilding something stronger, truer, and more Christlike.In this message you'll be encouraged to:Trust Jesus with the ongoing process of spiritual formationEmbrace the “winnowing” work that separates what is life-giving from what is destructiveFind hope in Christ's unwavering love and patient craftsmanshipSee sanctification not as punishment, but as purposeful renewalNo matter what Jesus is clearing away or cultivating within you, there is always hope. He is faithful to build the good and remove the harmful, shaping us into people who reflect His character and carry His light.
In this episode, we're talking about why getting started is the hardest part, and how to make it easier by flipping your reward strategy. If you've ever waited for motivation that never showed up, this episode will show you a smarter way. You'll learn a science-backed shift that helps you take action faster, without relying on willpower or waiting to feel ready.FREE Resources: Watch this Free Class!: 3 Secrets to Always Having Enough Time For Your Work, Your Family and Yourself ( https://www.alexishaselberger.com/register-now ) Click here to grab your free Distraction Action Plan today and start saving hours each week! ( https://www.alexishaselberger.com/reduce-distraction )This show is brought to you by: Time Well Spent : the time management course for real people, just like you, who want to do more and stress less - https://www.alexishaselberger.com/time-well-spent-course Stay connected!:Visit our website at https://www.alexishaselberger.com Check out the " Time Well Spent: Time Management for Real People “ Course ( https://www.alexishaselberger.com/time-well-spent-course )Join the Do More, Stress Less Facebook Community ( https://www.facebook.com/groups/domorestressless )Connect on Linkedin ( https://www.linkedin.com/in/alexis-haselberger/ )Follow us for updates and more content: Youtube ( https://www.youtube.com/c/DoMoreStressLess ) Instagram ( https://www.instagram.com/do.more.stress.less/ ) TikTok ( https://www.tiktok.com/@do.more.stress.less) Facebook ( https://www.facebook.com/domorestressless )We want your feedback!:If you have constructive feedback, please email us at alexis+podcastfeedback@alexishaselberger.comIf you enjoyed this episode, please leave us a rating and share with a friend!Transcript:Read it here !
Sue Serna - Social Media Security and Governance Leader and Lover of All BeaglesNo Password Required Season 7: Episode 2 - Sue SernaSue Serna is the CEO and Founder of Serna Social and the former head of global social media at Cargill. She brings more than two decades of experience at the intersection of storytelling, strategy, and security.In this episode, she shares her journey from business reporter to leading her own consultancy serving companies around the world on social media strategy.Jack Clabby of Carlton Fields, P.A, joined by guest co-host Rex Wilson of Cyber Florida, welcomes Sue for a candid discussion about the realities of enterprise social media. From managing more than 150 Facebook pages for a single company, to navigating internal politics, agency relationships, and regulatory pressure, Sue explains why social media is far from “free” and why most organizations still under-resource it.Sue dives deep into the gap between social media teams and cybersecurity departments. She outlines how personal account compromises can escalate into enterprise-level incidents, why governance frameworks matter, and how large organizations can regain control of sprawling digital footprints. Drawing from real-world examples, she argues that social media must be treated like finance or HR, a core business function requiring structure, ownership, and accountability.The episode wraps with the Lifestyle Polygraph, where Sue reveals her love of Apollo-era space history, debates iconic Philadelphia traditions, and imagines what magical talent her beagle would bring to Hogwarts.Follow Sue at SernaSocial.com or connect with her on LinkedIn: https://www.linkedin.com/in/sueserna/ Chapters: 00:00 Introduction and First Impressions 02:45 The Evolving Role of Social Media in Corporations 04:58 Transitioning from Journalism to Social Media 11:11 Building Social Media from Scratch 13:00 Becoming a CEO and Founder 16:28 The Importance of Networking 16:54 Bridging the Gap Between Social Media and Cybersecurity 20:51 Real-World Social Media Security Incidents 28:35 Navigating Internal Conflicts in Social Media 30:32 The Lifestyle Polygraph Begins 31:17 Nerd Things That Expose Sue: Space and Harry Potter! 35:16 Sue's Love For Beagles 37:50 Wreckless Intern or Overconfident Executive? 40:42 Hogwarts and Magical Beagles
Service Management Leadership Podcast with Jeffrey Tefertiller
In this episode, Jeffrey discusses how leaders can evaluate projectsEach week, Jeffrey will be sharing his knowledge on Service Delivery (Mondays) and Service Management (Thursdays). Jeffrey is the founder of Service Management Leadership, an IT consulting firm specializing in Service Management, Asset Management, CIO Advisory, and Business Continuity services. The firm's website is www.servicemanagement.us. Jeffrey has been in the industry for 30 years and brings a practical perspective to the discussions. He is an accomplished author with seven acclaimed books in the subject area and a popular YouTube channel with approximately 1,500 videos on various topics. Also, please follow the Service Management Leadership LinkedIn page.
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Episode #369 – The Fastest Way to Stabilize Email Results (No Fancy Segmentation Required) If your email results feel inconsistent, you might be trying to use every campaign like it's doing CPR — reviving cold subscribers, persuading on-the-fence people, and rewarding the warm people all in one send. That's exhausting, and it rarely works. Segmentation fixes this by doing one simple thing: it lets you choose the room before you choose the words. Because when you send one email to your entire list, you're speaking to people who are at totally different points in the conversation — and the message either becomes a compromise, or it only lands for a fraction of the room. In this episode, I walk you through the three essential segments that stabilize campaign performance fast: Engaged subscribers (your dependable audience + deliverability protector) Unengaged subscribers (the people you stop emailing by default — and put into a re-engagement/sunset lane instead) Recent buyers (the relationship window you protect so you don't keep selling at someone who just purchased) You'll also get a quick segmentation self-check (so you know when segmentation will actually reduce your workload), plus the common mistakes that make segmentation feel like "extra work" instead of strategy. Work with Joy Joya: https://joyjoya.com
-Rob unloads on the “voter ID is racist” narrative, pointing out that you need an ID to rent a hotel room, adopt a cat, move into senior housing, or board a plane — but somehow not to vote. -The hour wraps with Rob blasting Apple News for curating overwhelmingly left-wing content, celebrating media firings at CNN, and even detouring into a “smart underwear” study proving Americans pass more gas than previously reported. Today's podcast is sponsored by : RELIEF FACTOR - You don't need to live with aches & pains! Reduce muscle & joint inflammation and live a pain-free life by visiting http://ReliefFactor.com QUINCE CLOTHING - Refresh your wardrobe with Quince. Go to http://Quince.com/NEWSMAX for free shipping on your order and 365-day returns. BIRCH GOLD - Protect and grow your retirement savings with gold. Text ROB to 98 98 98 for your FREE information kit! To call in and speak with Rob Carson live on the show, dial 1-800-922-6680 between the hours of 12 Noon and 3:00 pm Eastern Time Monday through Friday…E-mail Rob Carson at : RobCarsonShow@gmail.com Musical parodies provided by Jim Gossett (http://patreon.com/JimGossettComedy) Listen to Newsmax LIVE and see our entire podcast lineup at http://Newsmax.com/Listen Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at http://NewsmaxPlus.com Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : http://nws.mx/shop Follow NEWSMAX on Social Media: -Facebook: http://nws.mx/FB -X/Twitter: http://nws.mx/twitter -Instagram: http://nws.mx/IG -YouTube: https://youtube.com/NewsmaxTV -Rumble: https://rumble.com/c/NewsmaxTV -TRUTH Social: https://truthsocial.com/@NEWSMAX -GETTR: https://gettr.com/user/newsmax -Threads: http://threads.net/@NEWSMAX -Telegram: http://t.me/newsmax -BlueSky: https://bsky.app/profile/newsmax.com -Parler: http://app.parler.com/newsmax Learn more about your ad choices. Visit megaphone.fm/adchoices
What is biblical fasting? How do I fast biblically? I GOT YOU! Come learn the 4 foundational keys to start biblical fasting in 2026! AND, don't forget to grab your copy of MORE THAN GIVING SOMETHING UP: A 21-Day Guide to Biblical Fasting and Walking With God
This week it's just Rebecca and Shannon trying to break down what's actually happening at Glacier National Park and Yellowstone National Park in 2026. No vehicle reservation system at Glacier. (And reminder: there has never been one at Yellowstone.) But there are changes to entrance fees — especially for international visitors — including a new $100 nonresident fee at both parks. We're walking through what's new, what's not, what free entrance days mean this year, and what you need to know before loading up the car and heading west. Are we experts? Absolutely not. Will we try to explain it anyway? You bet. National Park Service Entrance Passes Explained: https://www.nps.gov/planyourvisit/passes.htm#changes-in-2026 Commercial Tours: https://www.nps.gov/aboutus/commercial-tours-and-nonresident-fees.htm
The Elective Rotation: A Critical Care Hospital Pharmacy Podcast
Show notes at pharmacyjoe.com/episode1104 In this episode, I'll discuss whether patients taking beta-blockers require increased doses of epinephrine for anaphylaxis.
In this episode, Justin sits down with Carissa, a family nurse practitioner who runs two thriving practices, to talk honestly about her journey and the challenges behind the scenes. Carissa shares what it is really like to manage both a med spa and a men's health clinic, including the pressure of making every decision and the overwhelm that comes with an endless to do list. Together, they explore why delegation is so difficult for so many NPs, how decision fatigue can quietly stall growth, and what it truly takes to move from being the solution to every problem to leading a business built to scale. If your practice depends on you showing up every single day, Carissa's story offers a powerful look at what needs to change to create something sustainable and freeing.
Pancho and Pepa talk about: The Required Checklist for Godparents "Fe, Compromiso, Testimonio by padre Hector
What if the thing that's keeping you from becoming the local go-to in your city isn't your visibility or marketing strategy… but the belief that you need to feel confident first?In this episode, we're talking about the difference between confidence and self-confidence and why self-confidence is the real skill you need to grow visibility, show up consistently on social media, put yourself out there locally and become the person people think of first.If you've ever felt imposter syndrome, fear of showing up or like you're just not good at marketing, this conversation will reframe everything (and give you a much more doable way to move forward).In this episode you'll learn:Why “confidence” is a result, not a requirement to get started and the simple mindset shift that helps you start showing up before you feel readyThe real difference between confidence vs. self-confidence and how to use self-confidence to follow through on marketing even when you feel uncomfortableHow to stop making “I'm bad at this” mean “I'm not cut out for this” and instead use those early messy reps to build the local visibility that eventually gets you fully bookedMentioned in this episode:Work with me inside The Localpreneur AcademyFollow me on Instagram @lesliepresnallDownload my Free Guide: How To Grow Your Local Instagram FollowingIf you're ready to grow your local business and bring in a steady stream of clients, you need to check out The Localpreneur Academy. Click here to join me inside.Rate, Review & Follow:“I LOVE listening to the episodes, especially since they're focused on local businesses and it's not just generic marketing advice.” If you love the show too, please leave a rating and review. This helps me reach more people just like you who want to reach more local people and create a business they love.
In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the launch of their new retirement planning book, The Peace of Mind Pathway, and why they felt compelled to create a clearer, more practical approach to Retirement Planning. After years of working with families approaching or already in Retirement, they saw a recurring challenge: people could be great savers yet still lack Retirement confidence. This episode explains how a truly holistic financial planning approach helps connect the dots between investments, income, taxes, healthcare, and legacy—so you can truly plan for retirement with clarity and purpose.Listen in to learn about how Peace of Mind Wealth Management designed a comprehensive Retirement financial plan that goes beyond investments and focuses on real-life decision-making. From Income planning in retirement and Tax planning strategies to Medicare planning, Long term care planning, Estate planning, and Social Security planning, Radon and Murs break down the Peace of Mind Pathway framework that helps families retiring comfortably and working toward a goal to secure your retirement.In this episode, find out:Why a retirement planning book focused on holistic planning is critical for today's retireesHow the Peace of Mind Pathway ties together risk management, income, taxes, healthcare, and legacyWhat role Required minimum distributions play in your overall Retirement financial planHow to think through early retirement strategy decisions, including healthcare before MedicareWhy having a connected team matters when planning retirement and following a retirement checklistTweetable Quotes:“Retirement isn't just about having money—it's about having clarity, confidence, and a plan that works together.” — Radon Stancil“Good savers often feel the most anxiety because they don't know what questions to ask when planning retirement.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Hot flashes, hormones, mood swings… oh my.
This episode was sponsored by Romero Capital LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ In this explosive Dropping Bombs episode, returning guest Javier Romero reveals how he built Romero Capital into a hard money lending powerhouse—funding real estate investors with 100% financing and 48-hour closings. Born in Venezuela and a former U.S. Marine, Javier now helps flippers and investors scale with zero money out of pocket. Javier exposes spotting deals that actually make sense, sidestepping pitfalls that crush most investors, and why speed dominates competitive markets. He shares the no-upfront-cost model empowering investors nationwide to close fast without touching their own cash. Whether you're new to investing or stuck in slow growth, this conversation unlocks zero-out-of-pocket wealth—press play now to level up.
Topics: Forgiveness under Grace vs Law, the Gospel of Grace in Acts 20:24, Matthew 6:14-15 Explained, Why God No Longer Holds Sins Against You, 2 Corinthians 5:19 Forgiveness, the Futility of Animal Sacrifices, Rightly Dividing the Word of Truth, Forgiveness as an Act of the Will, Colossians 2:13 Completed Forgiveness, the Difference Between Forgiveness and Trust, Matthew 18:21-22 Meaning, Hebrews 9:22 Blood and Forgiveness, Ephesians 4:32 Forgiving as Christ Forgave, Why Jesus Had to Shed Blood, Exposing the Hypocrisy of Law Observance, Romans 12:18 Peaceful Living, Healthy Boundaries for Christians, the Meaning of Luke 6:37, Forgiveness is a Choice Not a Feeling, Once for All Forgiveness in Hebrews 10:10, Why Christians Forgive Because We are Forgiven, Grieving the Holy Spirit in Ephesians 4:30, the Purpose of Jesus' Impossible Standards, Dealing with Deep Pain and Trauma, How the Cross Defines Forgiveness, the Law as a Ministry of Condemnation, Releasing the Debt of Others, Supernatural DNA of a Peacemaker, Colossians 3:13 New Covenant Forgiveness, Trust is Earned but Forgiveness is FreeSupport the showSign up for Matt's free daily devotional! https://mattmcmillen.com/newsletter
Today, we’re bringing you the best from the KUOW Newsroom… For two families in Seattle, this past Christmas is one they’ll always remember. They came together after an immigration arrest left one family stranded, and facing deportation. A look at a new required training from UW, part of a voluntary agreement with the federal government after allegations of unchecked antisemitism on campus. And a proposal in Olympia that would help more military families qualify for the state’s free preschool program. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.
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