Podcasts about Safe harbor

Fluent Fiction - Danish: Turning Tides: A Safe Harbor at Nyhavn Find the full episode transcript, vocabulary words, and more:fluentfiction.com/da/episode/2026-05-09-22-34-02-da Story Transcript:Da: Emil stod ved kanten af Nyhavn og kiggede op mod de grå skyer.En: Emil stood at the edge of Nyhavn and looked up at the gray clouds.Da: Himlen i København var tung og truede med regn.En: The sky in København was heavy and threatening with rain.Da: De farverige facader langs havnen virkede mindre livlige i det mørke lys.En: The colorful facades along the harbor seemed less lively in the dark light.Da: Bølgerne i kanalen skvulpede mod bådene, men Emil kunne ikke lade være med at smile.En: The waves in the canal lapped against the boats, but Emil couldn't help but smile.Da: "Det bliver sjovt!En: "It will be fun!"Da: ", sagde han højt til sig selv.En: he said aloud to himself.Da: Han vendte sig mod sine venner, Signe og Maja.En: He turned to his friends, Signe and Maja.Da: Signe så skeptisk ud.En: Signe looked skeptical.Da: "Er du sikker på, at dette er en god idé?"En: "Are you sure this is a good idea?"Da: spurgte hun.En: she asked.Da: Hendes blik var fast rettet mod de mørke skyer.En: Her gaze was fixed on the dark clouds.Da: Maja stod ved siden af hende og så tøvende ud, men lyttede nøje til, hvad Emil ville sige.En: Maja stood next to her and looked hesitant but listened closely to what Emil would say.Da: "Kom nu, I to," sagde Emil og greb fat i det kolde rækværk.En: "Come on, you two," said Emil, grabbing the cold railing.Da: "Bare en kort sejltur.En: "Just a short boat ride.Da: Vi kan altid vende om, hvis det bliver for slemt."En: We can always turn back if it gets too bad."Da: Maja kiggede fra Emil til Signe.En: Maja looked from Emil to Signe.Da: Hendes blik var blødt.En: Her gaze was soft.Da: "Det kunne være sjovt... men jeg er bare lidt usikker," indrømmede hun.En: "It could be fun... but I'm just a bit unsure," she admitted.Da: Emil nikkede.En: Emil nodded.Da: "Stol på mig.En: "Trust me.Da: Vi skal nok være forsigtige."En: We will be careful."Da: Vinden begyndte at tage til, og bladene i de nærliggende træer svajede vildt.En: The wind began to pick up, and the leaves in the nearby trees swayed wildly.Da: En mand, der gik forbi, trak sin jakke tættere om sig og skyndte sig videre.En: A man who walked by pulled his jacket closer around him and hurried on.Da: Signe sukkede og kiggede på Emil.En: Signe sighed and looked at Emil.Da: "Det er virkelig ikke sikkert, Emil.En: "It's really not safe, Emil.Da: Hvad nu, hvis det bliver værre?"En: What if it gets worse?"Da: Emil tøvede og kiggede op igen.En: Emil hesitated and looked up again.Da: Skyerne havde samlet sig endnu tættere, og vinden hylede nu i hans ører.En: The clouds had gathered even closer, and the wind howled now in his ears.Da: Hans eventyrlyst kæmpede med fornuften.En: His sense of adventure battled with reason.Da: Han kiggede på Signe og Maja og så deres bekymrede ansigter.En: He looked at Signe and Maja and saw their worried faces.Da: Så tog han en dyb indånding.En: Then he took a deep breath.Da: "Okay," sagde han modvilligt.En: "Okay," he said reluctantly.Da: "Vi bliver på land.En: "We'll stay on land.Da: Der er ingen grund til at tage chancer."En: There's no reason to take chances."Da: Signe smilede lettet.En: Signe smiled with relief.Da: "Tak, Emil.En: "Thank you, Emil.Da: Det var den rigtige beslutning."En: That was the right decision."Da: Maja nikkede og lagde en hånd på hans skulder.En: Maja nodded and placed a hand on his shoulder.Da: "Vi kan altid tage ud en anden dag, når vejret er bedre."En: "We can always go out another day when the weather is better."Da: Emil følte en pludselig ro.En: Emil felt a sudden calm.Da: Selvom han elskede eventyret, forstod han nu, hvor vigtigt det var at tænke på sine venners sikkerhed først.En: Although he loved adventure, he now understood how important it was to think of his friends' safety first.Da: "Ja, I har ret.En: "Yes, you're right.Da: Lad os finde en hyggelig café og nyde udsigten," sagde han.En: Let's find a cozy café and enjoy the view," he said.Da: De begyndte at gå mod en af de små caféer langs havnen.En: They began to walk toward one of the small cafés along the harbor.Da: Emil følte sig lettet og glad for at have valgt det sikre valg.En: Emil felt relieved and glad to have chosen the safe choice.Da: Skyerne var stadig mørke, men han vidste, at solen ville skinne en anden dag.En: The clouds were still dark, but he knew the sun would shine another day.Da: Eventyrene i fremtiden kunne vente - lige nu var han taknemmelig for sine venners selskab.En: Future adventures could wait—right now, he was grateful for the company of his friends. Vocabulary Words:edge: kantharbor: havnfacades: facaderlapped: skvulpederailing: rækværkhesitant: tøvendeadventure: eventyrreluctantly: modvilligthastened: skyndtegaze: blikthreatening: truedeswayed: svajedehowled: hyledeskeptical: skeptiskcozy: hyggeligrelief: lettelsegathered: samletcareful: forsigtigesafety: sikkerheddecision: beslutningclouds: skyerhesitated: tøvedecalm: rograteful: taknemmeligview: udsigttoward: modleave: bladadmitted: indrømmederegret: fortrydefuture: fremtiden

Matt McNeil interviews Michael Thalhimer, Director of Business Development for All Energy Solar, regarding the rising costs of traditional grid power and the long-term financial stability offered by solar energy solutions. The discussion highlights a critical July 4th “Safe Harbor” deadline that allows commercial property owners to secure significant federal tax credits before they begin… The post Matt McNeil with Michael Thalhimer of All Energy Solar (5/8/26) first appeared on AM 950.

Matt McNeil interviews Michael Thalhimer, Director of Business Development for All Energy Solar, regarding the rising costs of traditional grid power and the long-term financial stability offered by solar energy solutions. The discussion highlights a critical July 4th “Safe Harbor” deadline that allows commercial property owners to secure significant federal tax credits before they begin… The post Matt McNeil with Michael Thalhimer of All Energy Solar (5/8/26) first appeared on AM 950.

Right voices, right choices.  Wrong voices, wrong choices. Who you listen to shapes the choices you make . . . and the choices you make shape your life. In this powerful one-time session, you'll be challenged to take an honest look at the relationships speaking into your life and learn how to recognize the safe harbors God has placed around you. This message will help you let go of offense, take your power back through forgiveness, and step into the bigger circle God has waiting for you. Come and be encouraged, challenged, and set free as you discover the kind of friendships that will see your heart, rejoice in your success, and call out the potential God has placed inside you.

Send us Fan MailDo you have a loved one who struggles with anxiety or dysregulation, and you just aren't sure how to help? It can be heartbreaking to watch someone you deeply care about feel unsafe in their own body or mind, but remember—it is not your job to fix them.In this episode of the Find Your Peace podcast, we explore beautiful, practical ways you can become a supportive, grounding presence for your spouse, child, or friend. We discuss how to listen with gentle curiosity rather than defensiveness, the regulating power of respectful physical touch, and why managing your own emotions is the greatest gift you can offer. Healing from anxiety is absolutely possible, and your loving support plays a vital role in their journey. Tune in to discover how to cultivate an environment of peace, trust, and profound connection with your loved one. How's My Nervous System Quiz     I Connect with us at Exalted Health

In this episode of Friday Fiduciary Five, Eric Dyson talks about the top five potential risks and considerations for ERISA plan fiduciaries in light of proposed guidance from the Department of Labor's Employee Benefits Security Administration (EBSA). He emphasizes that Safe Harbor is not a shield but a presumption, requiring ongoing monitoring and documentation.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.The opinions expressed by guests on the Be More Than a Fiduciary podcast are not necessarily the same as the opinions held by 90 North Consulting, or of Executive Director Eric Dyson.

We continue our Spring Resetting of the Heart and Mind series by talking about what it means to be a Safe Harbor. In this episode, we're looking at that 'inner editor'—the critic that quietly interrupts, compares, and accidentally dismisses the joy of others. We'll uncover why we do it, what it costs us, and how that critical spirit shrinks our world and dims the light in our relationships.We're exploring how to shift our focus toward protecting the 'spark' in the people around us through small, intentional practices—things like letting minor details be wrong, asking curious questions, and simply noticing someone else's joy. The goal is to become the kind of person others feel safe to 'unfold' around, moving away from being the world's proofreader and toward a much deeper, more vibrant connection with the people in our lives.

In this episode of Friday Fiduciary Five, Eric Dyson talks about the Department of Labor and EBSA's proposed rule on selecting investment alternatives for defined contribution plans, which is still in the proposed stage and open to public comment. He outlines five opportunities for fiduciaries: a clearer definition of prudence, a process-based Safe Harbor providing a presumption of prudence, expanded investment flexibility, reduced litigation friction, and improved portfolio diversification opportunities. Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.The opinions expressed by guests on the Be More Than a Fiduciary podcast are not necessarily the same as the opinions held by 90 North Consulting, or of Executive Director Eric Dyson.

Welcome solo and group practice owners! We are Liath Dalton and Evan Dumas, your co-hosts of Group Practice Tech. In our latest episode, we share concrete steps to take if you've discovered staff members using non-approved AI platforms in your practice. We discuss: The misconceptions around what constitutes PHI (and why information used to write a progress note absolutely is PHI) Why this is a reportable HIPAA breach Why reporting a HIPAA breach is nowhere near as scary or impactful as you may fear  The difference between a large breach and a small breach, and reporting deadlines for each Client notification deadlines for breaches How state law can impact or add to reporting deadlines Steps to take after discovering non-compliant AI use in your practice What to investigate, how to document, how to mitigate, how to notify clients, and when to consult an attorney Listen here: https://personcenteredtech.com/group/podcast/ For more, visit our website. PCT Resources: PCT CE Course (on-demand): If you're navigating exactly what we're talking about in this episode, our on-demand CE training, HIPAA Security Incidents & Breaches: Investigation, Documentation, and Reporting, provides a clear, structured walkthrough of what to do when something goes wrong. It covers how to determine whether an incident is a breach, how to investigate and document appropriately, and how to handle client notification and reporting requirements—along with strategies to reduce risk going forward. This is a practical, real-world roadmap designed specifically for mental health practices, so you're not left guessing about next steps when a breach situation arises. Breach Report Questions: If you want to understand what breach reporting actually looks like in practice, this resource walks you through the exact information required when submitting a report to the Office for Civil Rights (OCR). It outlines the specific details you'll need to gather — such as the type and scope of the breach, the number of individuals affected, what kind of PHI was involved, and what actions you've taken in response — so you can approach reporting with clarity and confidence rather than guesswork. Reviewing these questions ahead of time can also help guide your investigation and documentation process, ensuring you're collecting the right information from the start. Live (and recorded) PCT CE Course: Beyond Hype and Anxiety: A Practical Framework for Ethical AI Use in Clinical Practice is a 4-hour legal-ethical CE training co-presented by Dr. Maelisa McCaffrey and Liath Dalton, designed to help clinicians move beyond fear and guesswork into confident, responsible AI use. The course provides a structured, real-world framework for integrating AI into clinical workflows while upholding HIPAA requirements, ethical standards, and clinical standards of care. Participants will learn how to evaluate AI tools, understand what constitutes PHI (and the limits of de-identification), implement appropriate policies and safeguards, and maintain documentation quality and clinical integrity. With practical tools, decision-making frameworks, and implementation strategies, this training supports clinicians in making informed, defensible decisions about AI use in practice. Live Webinar Presentation on May 8th, 2026 Registration for live training includes receiving ownership of and perpetual access to the on-demand self-study CE training produced from recording of live presentation. Get both the content *and* the CE, even if you can't join live. HIPAA Risk Analysis & Risk Mitigation Planning service for mental health practices — care for your practice using our supportive, shame-free risk analysis and mitigation planning service. You'll have your Risk Analysis done within 2 hours, performed by a PCT consultant, using a tool built specifically for mental health practice, and a mitigation checklist to help you reduce your risks. If you're navigating filing a breach report and you haven't completed a documented "thorough and accurate" HIPAA Security Risk Analysis that meets the foundational Security Rule requirements, this is something you want/need to do so it can be reflected in your breach report to the OCR (HIPAA regulators) PCT's Comprehensive HIPAA Security Compliance Program (discounted) bundles: For Group Practices For Solo Practitioners Comprehensive HIPAA Security Policies & Procedures Forms & Logs for documenting implementation and maintenance of Policies & Procedures in practice Device & Workspace Security Suites Direct Support & Consultation from PCT team + therapist attorney Eric Ström, JD PhD LMHC (live & recorded + searchable library) Includes the Risk Analysis & Risk Mitigation Planning service + tool HIPAA Security & Privacy Ethics training Article + 18 Identifier List: De-Identified or Not? The Truth About HIPAA, AI, and Client Data In this article, Person Centered Tech breaks down one of the most misunderstood concepts in HIPAA compliance: de-identification. It clarifies the difference between simply "removing identifiers" and meeting HIPAA's strict legal standards for de-identification (Safe Harbor or Expert Determination). The piece explains why narrative clinical information is often inherently identifying, why a session transcript cannot realistically be considered de-identified, and how AI systems introduce heightened risks of re-identification. It reinforces a critical takeaway for practice leaders: HIPAA sets the floor — not the ceiling — for protecting client information, and governance must keep pace with emerging technologies. PCT CE Course: Law & Ethics of the Clinical Use of Artificial Intelligence: Implications in Clinical Practice If you're wanting a deeper, structured framework for evaluating AI in clinical practice, this 3-credit legal-ethical on-demand training with Eric Ström, JD, PhD, LMHC, walks through the evolving legal standards, HIPAA considerations, and ethics code guidance that apply to AI use in behavioral health. You'll gain practical strategies for assessing new technologies, understanding emerging standards of care, and implementing AI tools in a way that is legally defensible and ethically sound. Podcast: Episode 608: AI Isn't the Problem, Lack of Governance Is – A PSA for Group Practice Leadership Podcast: Episode 611: The Real Risks of Using Non-Vetted AI Platforms with Client Information Group Practice Care Premium weekly (live & recorded) direct support & consultation service, Group Practice Office Hours — including monthly session with therapist attorney Eric Ström, JD PhD LMHC Device Security Suite: assignable staff HIPAA Security Awareness: Bring Your Own Device training + access to Device Security Center with step-by-step device-specific tutorials & registration forms for securing and documenting all personally owned & practice-provided devices (for *all* team members at no per-person cost) Remote Workspace Security Suite: assignable staff HIPAA Security Awareness: Remote Workspaces training for all team members + access to Remote Workspace Center with step-by-step tutorials & registration forms for securing and documenting Remote Workspaces (for *all* team members at no per-person cost) + more   Additional Resources: Mintz-Matrix: The Mintz Matrix is a comprehensive, regularly updated overview of U.S. state data breach notification laws, providing a state-by-state breakdown of requirements such as definitions of personal information, what constitutes a breach, and timelines for notification. This is especially relevant in the context of this episode because HIPAA is only part of the picture—state laws often impose additional requirements, including shorter notification timeframes and broader definitions of protected information. Reviewing the Mintz Matrix can help you understand your specific state obligations and ensure that your response to a breach is not only HIPAA-compliant, but also aligned with applicable state laws. The HHS Office for Civil Rights (OCR) Breach Portal provides essential guidance on what constitutes a reportable breach and what happens after a report is submitted. It explains that a breach involves the unauthorized acquisition, access, use, or disclosure of protected health information that compromises its security or privacy, and outlines how OCR reviews, investigates, and resolves reported incidents. This is particularly relevant to this episode because it helps demystify what occurs after you file a breach report—reinforcing that reporting does not automatically trigger penalties, but instead initiates a review process that may include technical assistance, investigation, or closure without further action. Understanding this process can reduce fear and support more confident, compliant decision-making when responding to a breach.

Podcast hosting is changing fast, and it's pushing creators to rethink how their content is delivered, measured, and monetized. In this episode, the PMC cast and crew sit down with Sam Sethi of TrueFans to unpack Apple's move into HLS video, the shift from download-based metrics to real play data, and what this means for the future of hosting platforms. We take a closer look at how TrueFans is rethinking the model with streaming-based delivery, listen-time analytics, and a pricing approach that even refunds unused bandwidth. The conversation also opens up into the growing complexity of video workflows, the role of AI in podcasting, and the responsibility platforms carry in shaping a healthier ecosystem. At its core, this episode highlights where podcasting is headed and what creators need to pay attention to as things continue to evolve.Episode Highlights:[00:51] Sponsors And Introductions[02:10] Rodecaster Duo Giveaway[04:42] Meet Sam Sethi of TrueFans[05:32] TrueFans Marketplace Explained[07:11] Streaming Hosting And Metrics[11:25] Bots And Real Play Counts[12:22] Apple HLS Video Plans[14:17] What Apple Gets Right[15:42] Video Workflow Reality Check[17:57] Pricing Resolution And Refunds[21:04] Standards And Open HLS[23:10] Explaining Streaming To Users[25:58] Next Week Show Teasers[29:46] Fighting AI Slop As Hosts[33:50] Safe Harbor and Moderation[34:11] Transcripts as Protection[36:28] AI Tools for Listening[38:31] Why Humans Still Matter[40:42] TrueFans Co-Listening[43:03] Community Wins Segment[46:42] Guest Wins and Updates[57:13] Conference Keynote Reveal[59:48] Wrap Up and Next WeekLinks & Resources: TrueFans - Podcast Hosting:https://truefans.fmThe Podcasting Morning Chat: ⁠⁠www.podcastingmorningchat.com⁠⁠Ways to Watch or Listen:⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠https://www.podcastingmorningchat.com/joinus/Meet the PMC Cast and Crew:⁠⁠https://podcastingmorningchat.com/people⁠⁠Join The Empowered Podcasting Facebook Group:⁠⁠www.facebook.com/groups/empoweredpodcasting⁠⁠⁠Book A Free Call With Marc: https://calendly.com/ironickmedia/freestrategycallApplication To Submit Your Show For Evaluation: ⁠⁠⁠⁠⁠https://podcastingmorningchat.com/eval⁠⁠Win Ralph's RØDECaster Duo + Strategy Session:https://podcastingmorningchat.com/duoJoin us every other Monday at 7 AM ET for the Obsession Worthy Podcasts:⁠⁠⁠http://podcastingmorningchat.com/owp/⁠⁠Join us LIVE every weekday morning at 7 am ET (US) on ⁠Clubhouse⁠: ⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠https://podcastingmorningchat.com/clubhouse⁠⁠EPC3 Speaker Application:⁠⁠ ⁠https://empoweredpodcasting.com/speakersPowered by⁠⁠⁠ ⁠iRonickMedia.com⁠⁠⁠⁠ and⁠ ⁠ContentCreatorsAccountant.com⁠⁠Send in your mailbag questions:⁠⁠⁠⁠ https://www.podcastingmorningchat.contact/⁠⁠⁠⁠ or ⁠marc@ironickmedia.com⁠Want to be a guest on The Podcasting Morning Chat? Send me a message on PodMatch, here: https://podmatch.com/hostdetailpreview/1729879899384520035bad21b

Hello to you listening in Lopez Island, Washington! Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Wednesdays on Whidbey and your host, Diane Wyzga. Why is my Quarter Moon Story Arts logo a lighthouse? I was inspired! Admiralty Head Lighthouse here on Whidbey Island served as a critical navigational guide back in the day of sailing ships traveling from the Pacific Ocean through the treacherous Strait of San Juan de Fuca. Sixteen miles from Admiralty Inlet ship captains could see the white light in the darkness warning them to steer a hard right to starboard, avoid the cliffs, and continue safely south through Puget Sound and on to Seattle. How did the captain know he was seeing Admiralty Head Lighthouse? Each lighthouse - no matter where in the world - has its very own distinctive light pattern, or signature, like an address on a house. Lighthouses mark points of navigation, warn about dangerous coastlines, and guide ships into safe harbor. But harbors are not created equal. Different harbors for different boats. A lighthouse stationed at a harbor entrance doesn't run up and down the coast beckoning all boats to its harbor. It serves a particular sized boat. Lighthouses don't chase boats; why do you chase clients? Question: What is it only you have to offer? Who needs and wants it? Who is meant to be drawn to your harbor? How will you attract your particular client with your own distinctive beacon of light? And, how will they know you are signaling them? CTA: If you could use a hand with your lighthouse questions, email me at info@quartermoonstoryarts.net and we'll get working on the answers. You're always welcome: "Come for the stories - Stay for the magic!" Speaking of magic, I hope you'll subscribe, share a 5-star rating and nice review on your social media or podcast channel of choice, bring your friends and rellies, and join us! You will have wonderful company as we continue to walk our lives together. AND!  Stop by my Quarter Moon Story Arts website during re-construction, check out the Communication Services, email me to arrange a no-obligation Discovery Call, and stay current with me as Quarter Moon Story Arts on Substack. Stories From Women Who Walk Production Team Podcaster: Diane F Wyzga & Quarter Moon Story Arts Music: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron Music ALL content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved.  If you found this podcast episode helpful, please consider sharing and attributing it to Diane Wyzga of Stories From Women Who Walk podcast with a link back to the original source.

Welcome solo and group practice owners! We are Liath Dalton and Evan Dumas, your co-hosts of Group Practice Tech. In our latest episode, we continue our series on AI use within therapy practices by sharing how to explain to your team members why using non-vetted AI platforms is not permissible. We discuss: What counts as Protected Health Information and a breakdown of the often misunderstood 18th identifier under HIPAA How therapy progress notes and clinical notes are inherently identifying AI re-identification risk and why this is possible Why AI use involving client information must be vetted and HIPAA compliance-compatible What happens when you input data into personal AI platforms What we mean by AI governance, and why personal AI platforms can't be governed Why lack of AI governance is a significant liability Impermissible disclosures under HIPAA Why proving low probability of compromise is difficult after the fact, and what this means for your ability to mitigate risk Managing the emotional pieces of identifying risk and risk mitigation in your practice Listen here: https://personcenteredtech.com/group/podcast/ For more, visit our website. PCT Resources: Live (and recorded) PCT CE Course: Beyond Hype and Anxiety: A Practical Framework for Ethical AI Use in Clinical Practice is a 4-hour legal-ethical CE training co-presented by Dr. Maelisa McCaffrey and Liath Dalton, designed to help clinicians move beyond fear and guesswork into confident, responsible AI use. The course provides a structured, real-world framework for integrating AI into clinical workflows while upholding HIPAA requirements, ethical standards, and clinical standards of care. Participants will learn how to evaluate AI tools, understand what constitutes PHI (and the limits of de-identification), implement appropriate policies and safeguards, and maintain documentation quality and clinical integrity. With practical tools, decision-making frameworks, and implementation strategies, this training supports clinicians in making informed, defensible decisions about AI use in practice. Live Webinar Presentation on May 8th, 2026 Registration for live training includes receiving ownership of and perpetual access to the on-demand self-study CE training produced from recording of live presentation. Get both the content *and* the CE, even if you can't join live. Article + 18 Identifier List: De-Identified or Not? The Truth About HIPAA, AI, and Client Data In this article, Person Centered Tech breaks down one of the most misunderstood concepts in HIPAA compliance: de-identification. It clarifies the difference between simply "removing identifiers" and meeting HIPAA's strict legal standards for de-identification (Safe Harbor or Expert Determination). The piece explains why narrative clinical information is often inherently identifying, why a session transcript cannot realistically be considered de-identified, and how AI systems introduce heightened risks of re-identification. It reinforces a critical takeaway for practice leaders: HIPAA sets the floor—not the ceiling—for protecting client information, and governance must keep pace with emerging technologies. PCT CE Course: Law & Ethics of the Clinical Use of Artificial Intelligence: Implications in Clinical Practice If you're wanting a deeper, structured framework for evaluating AI in clinical practice, this 3-credit legal-ethical on-demand training with Eric Ström, JD, PhD, LMHC, walks through the evolving legal standards, HIPAA considerations, and ethics code guidance that apply to AI use in behavioral health. You'll gain practical strategies for assessing new technologies, understanding emerging standards of care, and implementing AI tools in a way that is legally defensible and ethically sound. Podcast: Episode 608: AI Isn't the Problem, Lack of Governance Is – A PSA for Group Practice Leadership HIPAA Risk Analysis & Risk Mitigation Planning service for mental health group practices — care for your practice using our supportive, shame-free risk analysis and mitigation planning service. You'll have your Risk Analysis done within 2 hours, performed by a PCT consultant, using a tool built specifically for mental health group practice, and a mitigation checklist to help you reduce your risks. Group Practice Care Premium weekly (live & recorded) direct support & consultation service, Group Practice Office Hours — including monthly session with therapist attorney Eric Ström, JD PhD LMHC Device Security Suite: assignable staff HIPAA Security Awareness: Bring Your Own Device training + access to Device Security Center with step-by-step device-specific tutorials & registration forms for securing and documenting all personally owned & practice-provided devices (for *all* team members at no per-person cost) Remote Workspace Security Suite: assignable staff HIPAA Security Awareness: Remote Workspaces training for all team members + access to Remote Workspace Center with step-by-step tutorials & registration forms for securing and documenting Remote Workspaces (for *all* team members at no per-person cost) + more

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  A new push to open 401(k)s to private equity and alternative investments could spell trouble for everyday investors. With legal “safe harbor” protections expanding, Wall Street firms may face less accountability while loading retirement accounts with complex, high-fee products. In this breakdown, Chris exposes the risks, the hidden incentives, and why novice investors could end up paying the price.

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One of the biggest mistakes we see every year? People extend their taxes and think they can deal with it later. You can't. Tax payments are still due in April. And if you don't plan ahead, you could be looking at massive penalties, surprise balances, and a lot of unnecessary stress.-------✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ My personal blog & newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

Bonus Episode #66 of BGMania: A Video Game Music Podcast. Today on the show, Bryan and Sean step into the void to discuss the latest expansion to hit World of Warcraft, Midnight! Announced back at BlizzCon 2023 when the entire Worldsoul Saga was introduced and then reintroduced officially at Gamescom 2025, Midnight takes us back into the lands of Quel'Thalas to work alongside the Blood Elves and try to put a stop to Xal'atath and her destructive plans. We're diving deep with this episode, starting with a lore dump and narrative recap of the events leading up to the expansion, as well as discussing the new Allied Race, the Haranir. We'll also touch on the four zones you'll quest through and talk a bit about the new dungeons and raids being introduced. Before wrapping up, Bryan has a theory about where all of this could be leading, and finally, we'll talk about a feature that the community has been asking for since almost the beginning: player housing. World of Warcraft: Midnight is a very promising expansion, and as usual, the soundtrack is absolutely incredible. Stick around and listen to perhaps the best soundtrack Blizzard has done since the Mists of Pandaria expansion. You won't be disappointed! Email the show at bgmaniapodcast@gmail.com with requests for upcoming episodes, questions, feedback, comments, concerns, or any other thoughts you'd like to share! Special thanks to our Executive Producers: Jexak, Xancu, Jeff, & Mike. EPISODE PLAYLIST AND CREDITS Intercession from World of Warcraft: Midnight [Neal Acree, Adam Burgess & Leo Kaliski, 2026] The Light from World of Warcraft: Midnight [Leo Kaliski, 2026] Silvermoon City from World of Warcraft: Midnight [Joshua Ra Goodman, Adam Burgess & Russell Brower, 2026] Forests of Eversong from World of Warcraft: Midnight [Jake Lefkowitz, David Arkenstone & Russell Brower, 2026] Three Sisters from World of Warcraft: Midnight [Neal Acree, Derek Duke & Russell Brower, 2026] Empire of Zul from World of Warcraft: Midnight [Glenn Stafford, Jake Lefkowitz & Leo Kaliski, 2026] Amani di Chuka from World of Warcraft: Midnight [Neal Acree, 2026] The World Trees from World of Warcraft: Midnight [Leo Kaliski, Jake Lefkowitz & David Arkenstone, 2026] Aln'hara from World of Warcraft: Midnight [Adam Burgess, 2026] Safe Harbor from World of Warcraft: Midnight [David Arkenstone, 2026] Immolation from World of Warcraft: Midnight [Adam Burgess feat. NYX, 2026] The Lady of Shadow from World of Warcraft: Midnight [Adam Burgess & Neal Acree, 2026] Hero's Haven from World of Warcraft: Midnight [David Arkenstone, 2026] Midnight from World of Warcraft: Midnight [Jake Lefkowitz, Adam Burgess, Leo Kaliski, Neal Acree, Joshua Ra Goodman, David Arkenstone, Glenn Stafford & Jason Hayes, 2026] LINKS Patreon: https://patreon.com/bgmania Website: https://bgmania.podbean.com/ Discord: https://discord.gg/cC73Heu Facebook: BGManiaPodcast X: BGManiaPodcast Instagram: BGManiaPodcast TikTok: BGManiaPodcast YouTube: BGManiaPodcast Twitch: BGManiaPodcast PODCAST NETWORK Very Good Music: A VGM Podcast Listening Religiously

In this episode, we explore the evolving hunt for safe-haven assets amid shifting capital flows across markets. Strategy and Bitmine continue to accumulate crypto while ETFs post five consecutive weeks of inflows, which may reinforce institutional demand for Bitcoin. We also unpack Anthropic securing an injunction against the U.S. government after being labeled a supply chain risk in a Defense Department dispute. We then discuss new deals, including Mubadala Investment Company exiting CoolIT Systems in a $4.75 billion transaction led by KKR, and the rise of Shield AI to a $12.7 billion valuation following a U.S. Air Force deal. The discussion culminates in our Chart of the Week, comparing gold, silver, and bitcoin as investors navigate geopolitical uncertainty and search for a safe harbor. Remember to Stay Current! To learn more, visit us on the web at https://www.morgancreekcap.com/morgan-creek-digital/. To speak to a team member or sign up for additional content, please email mcdigital@morgancreekcap.com Legal Disclaimer This podcast is for informational purposes only and should not be construed as investment advice or a solicitation for the sale of any security, advisory, or other service. Investments related to the themes and ideas discussed may be owned by funds managed by the host and podcast guests. Any conflicts mentioned by the host are subject to change. Listeners should consult their personal financial advisors before making any investment decisions.

https://teachhoops.com/ How Do You Measure the "Ripple Effect" of a Transformational Coach?Show Notes The impact of a basketball coach is rarely captured in a box score or a season record; it is found in the "20-Year Rule." A coach's true effectiveness isn't measured by the trophies on the shelf today, but by the quality of the people their players become two decades from now. Great coaches understand that the court is a "Laboratory of Life." Every missed free throw, every grueling defensive slide, and every difficult benching is an opportunity to teach Resilience, Accountability, and Selflessness. When a coach prioritizes the "Human Being" over the "Human Doing," they create a "Safe Harbor" where athletes feel empowered to fail, learn, and eventually lead. Beyond character development, a coach serves as a "Cultural Architect." They are responsible for building a mini-society where the "Collective Good" is valued above individual accolades. This is achieved through the "Power of Presence." By modeling the same work ethic and "Next Play" mentality they demand from their players, a coach establishes a standard of excellence that becomes the "DNA" of the program. In the mid-season grind, when motivation wanes, the "Trust Equity" a coach has built through consistent, honest communication is what keeps the team from fracturing. A transformational coach doesn't just "call plays"; they "call out greatness" in others that the athletes may not yet see in themselves. Finally, the impact of a coach is seen in the "Generational Transfer of Knowledge." Many athletes go on to become coaches, parents, and leaders who utilize the same "Non-Negotiables" they learned in a high school gym. This is the "Coaching Pedigree." Whether it's the discipline of being "early to be on time" or the humility to "accept a role for the win," these lessons ripples outward into the community. Use your platform to "audit" your own influence: are you just a "Tactician," or are you a "Mentor"? By treating every practice as a chance to build "Life-Long Competencies," you ensure that your impact remains long after the final buzzer of your career sounds. Basketball coaching impact, mentorship in sports, building character through basketball, athletic leadership, team culture, coaching philosophy, life skills through sports, player-coach bond, transformational coaching, high school basketball, youth basketball, basketball IQ, coach development, legacy in sports, "Next Play" mentality, coach unplugged, teach hoops, basketball success, mental toughness, program building. SEO Keywords Learn more about your ad choices. Visit podcastchoices.com/adchoices

With federal tax credits under threat and regulatory stability in short supply, Bala Nagarajan, managing director of the energy investments team at S2G Investments, explained what he looks for in a company. "Is the product or the solution sold by this business cheaper, faster, better than the incumbent solution?" he asked. If so, it's worth considering. If not, the investment may not be a fit. His team heavily discounts any business case that depends on policy incentives. The message for entrepreneurs: build something that wins on its own economics first, and treat incentives as upside rather than a foundation. Speaking as a guest on The POWER Podcast, Nagarajan introduced the concept of "anti-fragile businesses"—companies whose value propositions can withstand geopolitical shocks, policy reversals, and economic downturns. His showcase example was Aerones, a portfolio company that uses robots to repair wind turbine blades. The thesis: there is an enormous existing fleet that needs maintenance, qualified technicians are scarce and expensive, and the work is dangerous. A robotic solution that is cheaper, faster, and safer represents exactly the kind of durable opportunity S2G seeks. For most of Nagarajan's 17-year career in energy, demand growth was gradual, tied to long-horizon electrification trends in homes, transportation, and manufacturing. AI data centers have compressed that timeline dramatically. The demand for new electrons "is knocking on our doors today," he said. This surge, combined with constrained supply, has created a dynamic that many believe will keep power prices high for a long time. S2G prefers skepticism. "What if things change?" Nagarajan asked. "How well will our underwrite hold up in the midst of potential changes?" Where is investor enthusiasm strongest? Grid-enhancing technologies. Rather than building new generation capacity, the market wants solutions that make the existing grid better—advanced conductors, grid-enhancing software, and solid-state transformers. Conversely, the "power-to-X" sector—green hydrogen, sustainable aviation fuel, and similar products relying on cheap clean electricity—is struggling as rising power prices undermine their economics. The gap between well-capitalized developers and smaller players is also widening. Only developers with deep balance sheets can afford to "Safe Harbor" equipment—purchasing materials early to lock in expiring tax credit incentives. Smaller developers are being forced to sell projects or abandon them, driving capital toward established brands. Nagarajan also suggested natural gas is no longer a bridge fuel. Given demand for gas turbines from hyperscalers and the signals from manufacturers like GE Vernova and Siemens Energy, gas is firmly embedded in the energy mix. The consequence, he argued, is that emissions will rise, driving significant demand for high-integrity carbon credits—a space he is personally bullish on. His overarching message is one of disciplined optimism. The energy sector is experiencing a rare convergence of rising demand, constrained supply, and deep pools of capital. But the winners will be those who resist underwriting to today's enthusiasm and instead back businesses that can thrive regardless of which way the policy winds blow.

https://teachhoops.com/ "Office Hours" with Coach Collins isn't just a Q&A session; it's a strategic war room for your program. Coaching can be an incredibly isolating profession, where you are expected to have all the answers for players, parents, and administrators while navigating the high-pressure environment of a competitive season. Office hours provide a "Safe Harbor" where you can bring your most "unsolvable" problems—from a broken press-break to a fractured locker room—and receive battle-tested, objective feedback. By opening the door to Vulnerable Mentorship, you move from "guessing" your way through a crisis to executing a proven blueprint for success. One of the primary benefits of these sessions is the "External Audit." When you are in the middle of a 20-game season, it is easy to develop "tunnel vision." You might think your problem is your "Zone Offense," but after five minutes of "Office Hours," we might discover the real leak is your "Spacing Discipline" or a lack of "Rep Density" in practice. These calls allow us to perform a "Program Diagnostic" in real-time. Whether we are breaking down film of your last game or scripting your "Late-Game Menu" for the upcoming playoffs, the goal is to provide Actionable Clarity that you can implement at your very next practice. Finally, "Office Hours" serves as a Force Multiplier for Your Leadership. When you show up with questions, you aren't showing weakness; you are modeling a "Growth Mindset" for your entire staff and roster. Use these sessions to "Stress-Test" your new ideas before you introduce them to your team. Utilize your TeachHoops member access to stay ahead of the curve on modern trends, from the "Small-Sided Game" revolution to "Load Management" for high school athletes. By investing in your own Professional Development, you ensure that your "coaching ceiling" is always rising, which in turn lifts the potential of every player who steps into your gym. Basketball coaching Q&A, Coach Collins, TeachHoops office hours, basketball mentorship, coach development, high school basketball, youth basketball, coaching philosophy, team culture, basketball IQ, leadership, parent management, roster strategy, basketball strategy, game management, coach unplugged, basketball success, athletic leadership, program audit, championship habits. SEO Keywords Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Friday Fiduciary Five, Eric Dyson talks about ERISA 404(c) protection. He emphasizes the importance of this regulatory Safe Harbor, which shields fiduciaries from liability for participant-directed investment outcomes if certain conditions are met. Key requirements include offering a broad range of investment options, daily liquidity (although not explicitly stated in 404(c) - the norm for these days), and sufficient information for informed decisions. Also required disclosures to participants that the plan intends to comply with ERISA 404(c). Eric notes that many plans may not fully comply, especially with explicit 404(c) disclosures. He advises plan fiduciaries to revisit their compliance, confirm distribution of 404(c) notices, and document their processes to ensure they meet all requirements.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.The opinions expressed by guests on the Be More Than a Fiduciary podcast are not necessarily the same as the opinions held by 90 North Consulting, or of Executive Director Eric Dyson.

She's 104 years old, newly renovated, and she's ready for her close-up. On this episode of Unpacked: America 250, host Aislyn Greene talks about the newly renovated ⁠Castro Theatre⁠ in San Francisco, a $41 million transformation of one of America's most beloved LGBTQ+ landmarks. Aislyn sits down with Mary Conde, SVP at ⁠Another Planet Entertainment⁠, the independent concert promoter behind the renovation, to explore what it took to bring this icon back to life, and why this was always about more than a building. In this episode, you'll learn The history behind the Castro Theatre, from a Lebanese immigrant's grocery store to a 1,400-seat icon. How the Castro became the heartbeat of San Francisco's LGBTQ+ community. What a $41 million renovation actually looks like, from a peach-glazed ceiling to a color-changing chandelier. The story of the organs (yes, plural) that have defined the Castro's sound for decades. Why Another Planet Entertainment sees this as a gift to San Francisco, not just a business investment. Chapters 00:00:00 The Castro's Comeback 00:02:00 From Grocery Store to Icon 00:05:30 A Safe Harbor for a Community 00:09:00 Inside the Renovation 00:13:00 The Organ's New Life 00:15:30 What's Coming Next Meet this week's guest Mary Conde, Senior Vice President at Another Planet Entertainment and a lifelong San Franciscan who has shaped the city's music scene for decades. Another Planet is the independent concert promoter behind Outside Lands and the recent mayoral inauguration party, and the company that took on the Castro's renovation. Resources Read the transcript of this episode. Explore the history of the ⁠Castro Theater⁠. Buy tickets for upcoming ⁠Castro events⁠. Read about the ⁠Frameline LGBTQ+ Film Festival⁠. Be sure to subscribe to the show and sign up for our podcast newsletter, ⁠Behind the Mic⁠, where we share upcoming news and behind-the-scenes details of each episode. And explore our second podcast, ⁠⁠⁠Travel Tales⁠⁠⁠, which celebrates first-person narratives about the way travel changes us, and ⁠⁠View From Afar⁠⁠, where we spotlight the people and ideas shaping the future of travel. Unpacked by Afar is part of ⁠Airwave Media⁠'s podcast network. Please contact ⁠⁠⁠advertising@airwavemedia.com⁠⁠⁠ if you would like to advertise on our podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Safe Harbor March Seminar by KGMI News/Talk 790

Safe Harbor March Seminar KAFE by KGMI News/Talk 790

https://teachhoops.com/ Coaching your best player is a delicate balancing act between empowerment and accountability. The common mistake many coaches make is "over-managing" their stars, which leads to a robotic performance, or "under-challenging" them, which leads to stagnation and a loss of team respect. To avoid this, you must establish a "Vertical Accountability" system. Your best player should be held to the highest standard in the gym—not just for their scoring, but for their "zero-talent" metrics: sprinting to the corner in transition, being the first to help a teammate up, and communicating on every defensive rotation. When your "Alpha" is your hardest worker, the "buy-in" from the rest of the roster becomes automatic. To keep a high-level player engaged during the mid-season grind, you must move from "Instruction" to "Collaboration." Give your best player a "Seat at the Table" during film sessions or scouting reports. Ask them, "What are you seeing in the ball-screen coverage?" or "Which set do you feel most comfortable running in the clutch?" This isn't about giving up your authority; it's about building their Basketball IQ and Ownership. When a player feels they helped "write the script," they are infinitely more committed to executing it. Furthermore, use "Constraint-Based" challenges in practice specifically for them—for example, they can only score using their "weak hand" or they must record three assists before they can take a shot in a scrimmage. Finally, you must master the "Art of the Public vs. Private Critique." While you should never be afraid to correct your best player in front of the team for an effort-based mistake, tactical adjustments or personal growth conversations should often happen in private "one-on-one" settings. This protects their "Social Capital" within the locker room and ensures that your relationship remains a "Safe Harbor" amidst the pressure of a season. Utilize your TeachHoops member calls to "audit" your star player's development: are they just "good for this level," or are you building the habits they need to succeed at the next level? By coaching them for their future self, you demonstrate a level of investment that breeds lifelong loyalty and championship-level performance. Coaching star players, basketball leadership, team culture, player accountability, basketball IQ, high school basketball, youth basketball, coach development, athletic leadership, star player management, basketball coaching philosophy, coaching elite athletes, team chemistry, performance standards, coach unplugged, teach hoops, basketball success, mental toughness, mentoring athletes, basketball strategy. SEO Keywords Learn more about your ad choices. Visit podcastchoices.com/adchoices

Welcome solo and group practice owners! We are Liath Dalton and Evan Dumas, your co-hosts of Group Practice Tech. In our latest episode, we share a PSA for group practice owners to address unauthorized AI use within your practice. We discuss: What we mean by governance What counts as Protected Health Information (PHI) The standard we use at PCT to determine if something is PHI Why AI tools like ChatGPT are inappropriate for PHI De-identification standards under HIPAA Ethical standards and informed consent for clinical use of AI Concrete next steps to take as a practice leader to address AI use in your practice Listen here: https://personcenteredtech.com/group/podcast/ For more, visit our website.   PCT Resources: Article + 18 Identifier List: De-Identified or Not? The Truth About HIPAA, AI, and Client Data In this article, Person Centered Tech breaks down one of the most misunderstood concepts in HIPAA compliance: de-identification. It clarifies the difference between simply "removing identifiers" and meeting HIPAA's strict legal standards for de-identification (Safe Harbor or Expert Determination). The piece explains why narrative clinical information is often inherently identifying, why a session transcript cannot realistically be considered de-identified, and how AI systems introduce heightened risks of re-identification. It reinforces a critical takeaway for practice leaders: HIPAA sets the floor—not the ceiling—for protecting client information, and governance must keep pace with emerging technologies. PCT CE Course: Law & Ethics of the Clinical Use of Artificial Intelligence: Implications in Clinical Practice If you're wanting a deeper, structured framework for evaluating AI in clinical practice, this 3-credit legal-ethical on-demand training with Eric Ström, JD, PhD, LMHC, walks through the evolving legal standards, HIPAA considerations, and ethics code guidance that apply to AI use in behavioral health. You'll gain practical strategies for assessing new technologies, understanding emerging standards of care, and implementing AI tools in a way that is legally defensible and ethically sound. PCT CE Course: Modern Progress Notes: Considerations for Teletherapy, Insurance Audits, and Artificial Intelligence (AI) If your clinicians are feeling the pull to use AI for documentation, this 1.5-credit legal-ethical training with Dr. Maelisa McCaffrey (Hall) provides a grounded, practical framework for evaluating that decision. The course addresses how AI is currently being used in progress notes and introduces a clear thought rubric for determining the ethical risks, compliance implications, and appropriateness of integrating AI into documentation workflows. It also reinforces core documentation principles—like medical necessity and audit risk reduction—so that efficiency never comes at the expense of defensibility. A strong next step for practice leaders who want to move from reactive prohibition to thoughtful, structured governance. (Useful for all clinicians)  Group Practice Care Premium weekly (live & recorded) direct support & consultation service, Group Practice Office Hours — including monthly session with therapist attorney Eric Ström, JD PhD LMHC + assignable staff HIPAA Security Awareness: Bring Your Own Device training + access to Device Security Center with step-by-step device-specific tutorials & registration forms for securing and documenting all personally owned & practice-provided devices (for *all* team members at no per-person cost) + assignable staff HIPAA Security Awareness: Remote Workspaces training for all team members + access to Remote Workspace Center with step-by-step tutorials & registration forms for securing and documenting Remote Workspaces (for *all* team members at no per-person cost) + more  

Sermon by Pastor Jon Pickens March 01, 2026

What did you think of this episode?Are your stories falling flat? Maybe you could benefit from leveraging a bit of tension in your writing. Connie Mann offers tips to keep the pages turning and the late-night candles burning.Welcome to Your Best Writing Life, an extension of the Blue Ridge Mountains Christian Writers Conference held in the beautiful Blue Ridge Mountains of NC. I'm your host, Linda Goldfarb. Each week, I bring tips and strategies from writing and publishing industry experts to help you excel in your craft. I'm so glad you're listening in. During this episode, you'll learn how to Make Your Novel Unputdownable.My industry expert Connie Mann loves taking readers on heart-pounding, suspense-filled adventures featuring strong, determined women. She is the author of The Crown Conspiracy, The Florida Wildlife Warriors, and the Safe Harbor series. She is also a USCG-licensed boat captain, which is as much fun as it sounds. Visit her online at: www.conniemann.com.Alright, let's head into our content for today… How to Make Your Novel Unputdownable1-How to leverage tension to pull readers deeper and deeper into your story2-What to do when scenes - or even whole sections - fall flatContact Connie Mann - Ask for her How to Make Your Novel Nonputdownable List Visit Your Best Writing Life website.Join our Facebook group, Your Best Writing LifeYour host - Linda Goldfarb#1 Podcast in the "Top 50+ Must-Have Tools and Resources for Christian Writers in 2024". Awarded the Spark Media 2022 Most Binge-Worthy PodcastAwarded the Spark Media 2023 Fan Favorites Best Solo Podcast

Pastor emphasized the biblical importance of generosity and tithing—giving the first 10% as first fruits—as an act of obedience that blesses both givers and the church. Regular tithes sustain Safe Harbor's operations and ministries, while the Kingdom Builders program invites additional sacrificial giving to fund global missions, local outreach, facility expansion, and missionary support. Attendees were challenged to be tithers first and prayerfully consider joining Kingdom Builders to advance the kingdom and experience God's provision.

God bless the Menking Family! Become a supporter of this podcast: https://www.spreaker.com/podcast/prepper-broadcasting-network--3295097/support.BECOME A SUPPORTER FOR AD FREE PODCASTS, EARLY ACCESS & TONS OF MEMBERS ONLY CONTENT!Red Beacon Ready OUR PREPAREDNESS SHOPThe Prepper's Medical Handbook Build Your Medical Cache – Welcome PBN FamilySupport PBN with a Donation Join the Prepper Broadcasting Network for expert insights on #Survival, #Prepping, #SelfReliance, #OffGridLiving, #Homesteading, #Homestead building, #SelfSufficiency, #Permaculture, #OffGrid solutions, and #SHTF preparedness. With diverse hosts and shows, get practical tips to thrive independently – subscribe now!Newsletter – Welcome PBN FamilyGet Your Free Copy of 50 MUST READ BOOKS TO SURVIVE DOOMSDAY

Taylor Barton "Davy" - Dry Land www.taylorbarton.comTaylor Barton "Jack" Open Book "Indiana" - Out Of Time www.openbookmusic.com Neale Eckstein "January Thaw" - Never Too Late www.nealeeckstein.com Kym Tuvim "Falling Rain" - On The Mend www.kymtuvim.com Melissa Greener "With The Weather" - Transistor Corazon www.melissagreener.com****************************Heliara "Obsession" Elliott Murphy "The Lion In Winter" - Infinity www.elliottmurphy.comZoe FitzGerald Carter "Staying Home Tonight" - Before The Machine www.zoecartermusic.com Jess Klein "Safe Harbor" - When We Rise www.jessklein.com Sam Weber "when-all-our-wounds-are-healed-1.help" - Shape Confused Cowboy Be You samweber.funSteel Wheels "Kiss Me Like A Stranger" - No More Rain www.thesteelwheels.com Tragedy Ann "The Shield" - Heirlooms www.tragedyannmusic.com Tish Hinojosa "Back To You" - West www.mundotish.com Ruben “El Gato Negro” Ramos “El Año Viejo” featuring Gaby Moreno www.rubenramos.com********************Some of the featured artists in the upcoming South Florida Folk & Acoustic Music Festival www.sffolk.org Twangtown Paramours "Coupons & Cowboys" - The Wind Will Change Again www.twangtownparamours.com Kennedys "Headwinds" - Headwinds www.kennedysmusic.com Marc Douglas Berardo "Hearts In Play" - The Beauty Of This Now www.marcdouglas.com Meghan Cary "River Rock" - Sing Louder www.meghancary.com Alice Howe & Freebo "Travelin' Soul" - Live www.alicehowe.com Grace Morrison "You And Me Talking" - Saltwater Country www..gracemorrison.com Heather Pierson "Dusty House Blues" - Back To The Light www.heatherpierson.com ***************Laurie Black "Axis" - Noisebleed www.laurieblack.co.uk Sebastien Tellier "Naif de Couer" - Kiss The Beast Kurt Baker "Undertow Afterglow" - Dan Miraldi "Buzzin' "More Mood Music www.danmiraldi.comMylo Bybee "Misinformed" - Revisions www.mylobybee.com Emperors & Angels "Walk Into The Fire" - https://emperorsandangels.net/Slow Crush "Lull"- Hush www.slowcrush.orgBetween The Buried & Me "The Blue Nowhere" - The Blue Nowhere www.betweentheburiedandme.comRolling Blackout "Pirates On The Seas Of Time" www.rollingblackoutband.com

Send us a textSafe Harbor, the Golden CO based cannabis banking pioneer, is alive and growing and that's the message of today's guest Terry Mendez, the recently installed CEO.Mendez took over the seat that had been occupied by Sundie Seefried, onetime ceo of Partner Colorado Credit Union who left that post to helm Safe Harbor.  Sundie, by the way, was the guest in CU 2.0 Podcast #139 which posted 4+ years ago, link in the show notes. A lot had happened in those intervening years and, to my eyes  at least, Safe Harbor seemed on the edge of extinction.But Mendez is on the show to share his optimism about growing the business, how it hit financial troubles in 2023-24, how he says the troubles were abated, and why now is the time for more credit unions to take a fresh look at cannabis banking.Probably Mendez is right, probably legal cannabis now is with us and, indeed, reliable, legally compliant banking has to be part of that package and Safe Harbor says it is well positioned to provide those services to credit union customers.The reality is that there are many wrinkles to cannabis banking. That's where a Safe Harbor - a guide that knows the legal route - comes in.Want to know more about CUs and cannabis? Listen to episode 364 where Wright-Patt Credit Union talks about its experiences.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Hundreds of years ago, a group of Native Americans living along the lower Susquehanna River made an indelible mark on the valley. At what is now known as Safe Harbor, they made hundreds of carvings into the rocks found in the middle of the river.Animals, bird and animal tracks, directional symbols, teaching or storytelling images, humans and anthropomorphic images, spiritual symbols and geometric and abstract designs were painstakingly carved into the boulder strewn landscape of the river. From the banks of the river, the sites look like any of the rocks found in the river. But up close, these stunning petroglyphs offer a window into a fascinating culture that we still know very little about. Despite Native Americans being driven from their homes, villages and hunting grounds. Despite countless floods. Despite dam construction. Despite pollution. Despite industry. And despite man's constant need to exert his will over the river, these magnificent petroglyphs remain.Big Indian Rock. Little Indian Rock. Circle Rock. Turkey Track Rock. Eagle Rock and Conestoga Rock.Right in the middle of the Susquehanna River, as they have for hundreds of years. These sites are sacred spaces for Native Americans. The Safe Harbor Petroglyphs are a rare, direct connection to Indigenous peoples who lived along the Susquehanna River long before European contact.For many Native communities, these carvings are not just historical artifacts but living cultural expressions—messages left by ancestors that carry spiritual meaning. Their location along the river, a vital life-giving force, further reinforces their sacred nature as places of reverence, storytelling and ancestral presence.And unlike many pieces of indigenous rock art, they are accessible to the public. But that accessibility comes with a responsibility. These carvings are irreplaceable cultural and spiritual expressions created by Indigenous peoples, and even small actions—touching the rock, climbing on it, or disturbing the surrounding area—can cause permanent damage.Visitors also have a responsibility to listen and learn. Approaching the petroglyphs with humility means acknowledging that this site holds meaning far deeper than what we may fully understand, and that it represents living cultures whose histories and voices have too often been ignored or erased.On this episode, I speak with Paul Nevin. Paul is recognized as the leading authority of rock art of the lower Susquehanna River and is the author of the “A Guide to the Safe Harbor Petroglyphs.” Be sure to support our 2025 sponsors:Keystone Trails AssociationPurple Lizard MapsPennsylvania Parks and Forests FoundationSisters' SunflowersDiscover Clarion CountyGo Laurel Highlands Support the showVisit our website to learn more about the podcast, to purchase merch and to find out about our incredible sponsors. Follow us on Instagram and Meta to stay connected. Hosting, production and editing: Christian AlexandersenMusic: Jon SauerGraphics: Matt Davis

Allen and Joel are joined by Jeremy Heinks of CICNDT to discuss the critical need for pre-installation blade inspections, especially as safe-harbored blades from years past are rushed into service. They cover advanced NDT technologies including robotic CT scanning, blade bolt inspection for cracking issues, and how operators can extend turbine life beyond the typical 10-year repower cycle. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining Light on Wind. Energy’s brightest innovators. This is the Progress Powering Tomorrow. Allen Hall: Jeremy, welcome back to the show. Thanks for having me. Well, the recent changes in the IRA bill are. Pushing a lot of projects forward very quickly at the moment, and as we’re learning, there’s a number of safe harbor blades sitting in yards and a rush to manufacture blades to get them up and meet the, uh, treasury department’s criteria for, for being started, whatever that means. At the moment, I think we’re gonna see a big question about the quality of the blades, and it seems to me. The cheapest time to quickly [00:01:00] look at your blaze before you start to hang them is while they’re still on the ground. And to get some n DT experience out there to make sure that what you’re hanging is appropriate. Are you starting to see that push quite yet? No, not not at Jeremy Heinks: the level we’d like to see it. Um, as far as getting the inspections in, yeah, we have been seeing the push to get the, get these blades out. Uh, but, uh, the, the, the few that we have been able to get our eyes on aren’t looking good. The quality definitely down. And we’ve just had a customer site come back with some, some findings that were surprising for a brand new blade that hasn’t been the up tower yet and in use. So, um, it is much easier for us to get the, uh, technology and the personnel to a blade that’s on the ground. It’s cheaper, it’s quicker. We can go through many, many more blades, uh, with inspections. Uh, it’s just access is just easier. Always comes down to access. Joel Saxum: That customer that you had there, like what was their [00:02:00]driver? Right? Did they feel the pain at some point in time? Did they, did they have suspicions of something not right? New factory? Like, I don’t know. Why would some, why is someone picking that over someone? Not because like you said, overwhelmingly. The industry doesn’t really do this. You know, even just getting visual inspections of blades on the ground before they get hung is tough sometimes with construction schedules and all these different things, moving parts. So you had someone that actually said, Hey, we want to NDT these blades. What was their driver behind that? Jeremy Heinks: So we, uh, we had done a previous, uh, route of inspections on some older ative of theirs that were, Speaker 5: um, Jeremy Heinks: getting. Kinda along in the tooth, if you will. Uh, so they’ve added some experience. They saw what we could bring to the table as far as results and, and, and information and data on those blades. Uh, and it all turned out to be, um, pretty reliable. So, um, you know, we educated them on, you know, if you have new blades coming in or even use the blades coming in for replacement, that it’s not a bad idea to get at least a, a sample it. And, uh, [00:03:00] basically that’s what they call us in to do. They had some brand new blades come in. For some new turbines they’re putting up. And, uh, they wanted the sampling. We did a sampling and the sample showed that, uh, they have an issue of these, these brand new blades. Joel Saxum: So, okay, so what happens then? Right? Because I’ve been a part of some of these factory audits and stuff, and when you catch these things in the factory, you’re like, Hey, where we got these 30 defects? And then the factory goes back against their form, their form, you know, their forms and they go, okay, material checklist is a, we’ll fix 24 of ’em. The other six are on you or whatever that may be. What happens when you find these things in the field at a construction site right? Then does that kick off a battle between the, the new operator and that OEM or, or what’s the action there? Jeremy Heinks: Yeah, so we’ve been on the OEM side and been through what you just explained, um, multiple times and helped a bunch of the OEMs on that stuff, that stuff. But unfortunately, when you’re in the field and you find the same thing, it’s, it’s a whole different ball game. Um, they typically. We won’t see any of that. We don’t, we won’t be able to [00:04:00] see what the OEM actually does unless we have informa, you know, information or channels that, that are a little bit different, uh, than normal to, uh, get that information. So, um, but yeah, so we, we’ll give this information over to the customer. Uh, they’ll go to their supplier and then that’ll turn into a. To a dance and, uh, where everybody’s trying to pass the buck, basically, right? So, um, unfortunately that’s the way it’s been. We will see how this one turns out. It, it all depends on, on the relationship between that OEM and the customer and the end user. Joel Saxum: So, so this is my, my last question about this and, and then I want to, of course, jump topics we have a lot of talk about here today. But the question being, okay, so say they do repairs. Is it then a good idea to bring you guys back in after those repairs are done to say NDT? Everything looks good here. Um, basically clear to fly. Jeremy Heinks: Yeah. [00:05:00] So, uh, post inspection on repairs is always a good idea. Um, the aviation side is, it’s commonplace to, uh, post in inspect repair. So yeah, definitely, uh, we’d wanna come back. Um, you know, and that’s something we’re working on too in-house as a, uh, working on a new training. Syllabus to where we can give some of the basic NDT tools to, uh, end users so that if a repair company would come in, they would be able to have their technicians do a quick, you know, quick test. Uh, it’s what we used to call like an operator level inspection. And then if they saw some of the stuff we trained ’em to that we could come back and, and bring in a level three or a level two and look at their information and then maybe do a reinspection if they thought they saw something that was bad. Allen Hall 2025: Joel, you and I had discussed a couple of months ago with an operator in the United States and the Midwest that was gonna be building a repowering, a wind farm with turbines, uh, that were a couple of years old. Remember that discussion about what version of [00:06:00] the blade are those? And it was an early version. I was surprised how long those blades had been sitting in the yard, and we said, well, it’s gonna have a B and C problem. You need to get somebody out there to inspect those blades before you hang them. That’s the perfect case for NDT to get out there and look because it wasn’t like every blade had a serial defect. It was just kind of a random thing that was happening. Do you remember that situation? Joel Saxum: Yeah, and it was really interesting too because you know, we’re on like that specific blade. We’re on like version nine of it out in the field right now. But since I think those were like in 20 19, 20 20, they had been safe harbored from they, those blades have the advantage of now having 3, 4, 5, 6 years of. History within the market of all of the issues that pop up. So we were able to tell that operator, Hey, since these things haven’t flown yet, we know it’s this, this, this, and this. You should have NDT come out here and do this. You should do this. This basically preemptive repair, this proactive measure before you fly these [00:07:00] things. Um, and I think what we see right now, Alan, like you said, just to open the episode with IRA bill changes and. And these new legislation coming up, there’s a lot of stuff coming out of Safe Harbor that’s gonna get flown. Allen Hall 2025: Oh, it’s gonna have a huge, uh, amount of blades that have been sitting there for a couple of years. And, but if you, the operator haven’t used those blades or don’t know the service history of those blades, it’s kind of a mystery and you better be calling other operators that are using them. But ultimately, when it gets down to it, before you hang those blades, and I know everybody’s in a rush to hang blades. You better take a look at ’em with NDT, especially if there are known issues with those blades. And the the problem is you can’t just do a walk down, which is what I think a lot of operators are doing right now. Send a technician down to make a look. Make sure the blade’s all in one piece, like I guess that’s where they’re at. Or we’ll walk inside and kick the tires and make sure all the bond lines are there. It’s a lot more complicated than that, and particularly if you know there’s a source of problem on a particular [00:08:00] blade, you can’t see it. It can be buried deep inside. How are you gonna know without having somebody with NDT experience? Joel Saxum: This is the interesting thing too, here with that specific case that that developer will call ’em. They said, I talked with the OEM. They said there’s nothing wrong with these blades. And they like, that was like, they’re like, they’re like, yeah, we checked with them. They said, there’s no issues. I said, you must have been talking to a sales guy because anybody from that engineering team is gonna tell you that. Or maybe they don’t want to, right? They, of course they don’t want to come clean with this, but that’s why we, that’s why we have the, like the uptime network and people that you can talk to and things of these sort out there and experts like Jeremy, right? The C-I-C-N-D-T guys, because they’ve seen the worst of the worst, Jeremy Heinks: right? We typically only get called in when it’s the worst of the worst, but to, uh, toss ’em with more wrinkle. Toss one more wrinkle into the whole storage thing. Uh, we got a project a few years back where the storage site, like, ’cause the blades had been stored for like 15 years, like seven years prior. The storage [00:09:00]site was underwater for like three weeks, like 20 feet. Like it was a massive flood, 20 feet of water or 10 feet of water, whatever it was. So the, it was a lot of water anyway. The bottom two thirds of these blades were. Rotted because of water logs being sitting in the water. And of course over the last seven years they got cleaned up. They looked good ’cause of the rain and everything and it looked bad. So we get out there, we’re scanning laminates and you get like halfway down the blade and it just with the, you know, terrible signal. And so we look back on the history and sure enough there was floods in the area. So those are things you gotta look at too. These blades are coming out of these long-term storage. I mean, how were they stored? How what has gone, what weather has been through that storage area in the last whatever years? Uh, because all that affects these blades when they’re on the ground. I mean, they’re, they’re, they’re fairly secure when they’re up tur up turbine and they’re meant to be in that environment. They’re not really meant to be getting just hit hard with weather when they’re on the ground. ’cause they’re [00:10:00] not sealed up. They’re not, you know, you know, a lot of different things there. Joel Saxum: Another ground issue, and I, I’ve, I’ve heard of this one through my insurance connections and stuff like that, is, um, when blades are on the ground, there’s, this is not an abnormal thing. It happens quite regularly that it shouldn’t, but it does. That heavy, strong winds will come through and can blow the blades over when they’re sitting in their chairs, right at the, or they’ll start, yeah, they’ll start fluttering in ways that they’re not designed to flutter. Right? They’re designed to take the gravity loads and take the force loads the way they are up tower when they’re sitting on the ground, it’s a completely different game. So if they’ve been there, if they’ve experienced an extreme weather event or something of that sort, NDT is the only way you’re gonna figure out if something is really wrong with ’em. Jeremy Heinks: Right. And that rolls into handling as well. So shipping, handling at the plant, handling from, you know, in between. Different movements. Uh, like you said, they, they’re designed to be in an environment that’s hung from a turbine and, uh, get those types of, you know, elements and the winds and everything on. That’s not everything we do to when on [00:11:00] the ground. So Allen Hall 2025: turbines, a lot of times, even at the blades are in storage. They get moved around a good bit. And what we’re finding, talking to operators is that a lot of the damage we’re seeing later on in some of these blades. Was most likely due to transportation. So maybe it was on the ship on the way over, or maybe when they got trucked to the, uh, storage site or they got bumped into. It does seem to be a lot more of that. And the lift points seem to be another area where, you know, you know, I think there’s some, uh, need to be taken a deeper look at. Obviously the root bushings are a problem area for almost everybody at the moment, but also further out on the blade. There seems to be. Uh, repeatable damage areas that you see that you wouldn’t be able to detect until you got the blade spin. And, and then you see these cracks develop. But a lot of that can be sussed out on the ground, especially with knowledgeable people. Jeremy Heinks: Yeah. So that’s just another reason for, you know, pre-installation inspection. Um, you know, a lot [00:12:00] of places you’ve got experts moving these things, you know, experts lifting ’em, whatnot. But when they’re in a, they’re on a ship or they’re in a yard. A lot of times the guys that are professionals at moving them aren’t there. So it’s gonna get moved by somebody and they’re not gonna know exactly what they’re doing, even if they’re trying their best to be, make sure they’re following procedure or whatnot. But, um, you never know who’s moving on, who’s, you know, what, what, what kind of skills or the experience they have. Joel Saxum: So, so that brings me into another question here, Jeremy. Right? We’re talking about skills and tools and these kind of things in the industry. When we say NDT, I would like everybody listening to know that when we say NDT, we’re talking about a wide gamut of technologies, of solutions, of products, of, uh, you know, methodologies for inspection here. NDT is just a broad scheme for non-destructive testing. We wanna see inside of something without cutting it, breaking it, whatever we have to do. [00:13:00]So, can you, can you walk us through the approach that kind of CIC will use? So, hey, customer comes to me, we have this issue. Okay. You guys have, I don’t know, 20, 30, 40, 50 different ways of doing things. Um, but how does that conversation usually start? What does that process look like for an operation? Jeremy Heinks: So it, I mean, it all depends on it’s case by case with what kind of issue they’re looking for. But, uh, we recently had our. Our, our lab opened up in, in Ogden, Utah, where we’ve got, um, a lot of in-house technologies now, like robotic ct, uh, laser ultrasound, um, and then urography, all the normal stuff. We typically throw out these things, but deposit focus, but we’re able to do just about anything. A lot of advanced materials, and of course a lot of that came from us servicing the DOD, the defense and the, the aviation, it’s space side of the house. But now that we have them all in one place. If a wind customer has an, let’s say they have, um, a root issue or they have a bottom line issue, or they’ve got, um, you know, or these, uh, carbon fiber [00:14:00] main spars, you know, you’ve got some new types of defects to out of these. Typically what would happen was you cut into these things to see what’s wrong. And of course, we’ve all seen what cutting composites does it, you know, it can be kind of messy and it can damage a defect that’s existing so you don’t have a good look at it. With these technologies we have in house now, especially with the CT part of it, we can do a inspection. We can see everything of a area that is unmolested, right? So we can, let’s say you find something and you’re scanning, let’s say you are an OEM and you’re doing ultrasonic inspection or thermography, and you find something in house, well, you can cut around that, send it to us, we can scan it and get a 3D image, you know, of the full material thickness. Really break that down without having the damage, the defect. Uh, and this is stuff that hasn’t been really gone into on the wind side yet. We do it on aviation and space all the time, um, for defect characterization. And then, you know, we have a really good picture of what’s going on there. [00:15:00] Uh, we characterize defects that way and we can also come up with better inspection solutions that way. Allen Hall 2025: Well, that’s interesting because I’ve seen it in aviation all the time. I assume they were doing it in wind. You have to have a way to understand what the defects are and when you see one, or especially if you don’t understand what is causing it, you just can’t cross section that you want to take a large section out and then scan it. Understand what is likely the source of that problem that’s not being done. And when, too much at the moment, I think it is, but it’s, Jeremy Heinks: it’s finally getting cheap enough that, uh, it’s. It’s an option, right? So it’s, it’s always been kind of expensive, but the equipment has come, is coming down in cost and we have a very unique system in-house. It’s not typical to your normal CT system. So we use, uh, a robotic system, a cobots, so we can, we do very large, very large parts, uh, and, uh, composites of course are typically lower energy. So [00:16:00] it’s, um, pretty much tailored for that type of part. Where other CT systems may, might be tailored to other, other types of parts. Allen Hall 2025: So then you can actually take some significantly large size pieces. Then what’s the, what’s the biggest size part you can take and, and get some data out of? Jeremy Heinks: I mean, again, comes outta the time and money. Uh, right now our largest piece is probably, um. Probably like a 10 foot by six foot section. Allen Hall 2025: Whoa. Jeremy Heinks: I mean, in theory we could do a, we could do a whole wing in theory, you know, um, which could be a, you know, a decent sized blade even. But, uh, that would require specialized bay, um, and some extra tooling. But, uh, right now in-house, yeah, we could do, uh, fairly large sample. Joel Saxum: The first time I ran into you, uh, Jeremy in the wind industry was probably three, four years ago. I think, and you may not even have known this, but it was on an, it was on an RCA case for an insurance company, and they’re like, we, [00:17:00] we did the, our, our initial, where the team I was with at the time, our initial RFI, Hey, we need this data, this data, this data. And they sent, they sent us this just library of stuff and they were like. Can you use this? What is this? And it was all NDT data from, from the issue that we were inspecting. It was like, this is the most amazing batch of data we have ever received on an RCA. Who are these people? Where did this come from? Um, and I think that, that, that was my first, ’cause, you know, from the oil and gas side, NDT, that’s just regular. You’re doing it all offshore platforms, like you’re always doing NDT. It’s just, it’s just an accepted thing. Uh, you know, and the, the, of course the offshore technicians for NDT, the, the rates are a lot different. Um, and so I was like, okay, yeah, we we’re using nd this is when I first was really getting going and win. I was like, oh, great, we’re using NDT and Win. But since then, it’s still, it’s been. Very specialized use, you know, RCAs or like a special repair or something like that. You just don’t see it very widespread. And, and it’s, it’s frustrating because, you know, from, I guess from my past, like you can see the value of this [00:18:00] tool and you see some tertiary kind of things out there where people are doing little NDT with robotics and this and that, but like, it’s like the industry hasn’t grasped onto it. Like, I don’t know if the engineers just don’t, just don’t know that it’s available or know the value of it or why they’re missing it. Because you go back to the idea of, um. You go to your general practitioner or the doctor and say like, okay, yeah, you got your knee hurts. Okay. Yeah. Shake it around a little bit. Like, okay, we’re gonna, we need to prob maybe do surgery here and before we do that, let’s go get an X-ray or a MRI. So we know exactly what we’re supposed to do. When we get in there, we make it efficient. We make bang, bang, bang, clean cut and all, and we’re done. That’s the same thing as like, uh, to me, a really deep lightning repair. You know what I mean? We hear these war stories all the time of people saying like, oh yeah, they quoted us 20,000. And this team quoted us 50,000, and then the $20,000 team, we gave the project to them, they got in there and it ended up being a hundred thousand. Well, if you would’ve spent 15 grand or 10 grand, or five grand or whatever it may be to get some NDT work done on this thing before [00:19:00] you opened it all up, you might know what you were getting into and be more efficient. Come with the right kit, less standby time, the right technicians on the job, all this stuff, just like your surgery on your knee. I mean, have you seen anybody picking up that idea in the wind industry? Jeremy Heinks: Not as, not as much as I’d like. Um, there’s been a coup, there’s some of the OEMs have tried to automate, tried to bring it in. Um, most of ’em do some inspection. Um, and it really is the plant by plant, depending on what kind of support they have. We all know whenever things are times are tight or, uh, or you need to have the cycle time as the most important thing. You know, quality is the first one to get cut. So, you know, that’s, that makes it a tough. A tough sell in a lot of people’s books ’cause we add cycle time and we add costs, uh, at the manufacturer. Um, but, um, you know, the other thing I’ve seen is, you know, when they do try and implement something where, let’s say some automation where they could do this stuff quickly and, [00:20:00] you know, over the mass produced parts that they have, um, you know, they, they go to an automation company that doesn’t know much about NDT. If they do know about NDT, it’s, it’s not wind. NDT. So. Um, you know, the, they would be better off if they would contact, you know, a company like ours or there’s a few of us out there where all we, like a majority of our work is in the wind industry. Um, there’s a, there’s a couple in Europe, there’s a couple over here. Get those guys in first. It doesn’t have to be us. Um, but get somebody with practical Yeah. You know, experience and that practical part is the most important part, and have them help you with a practical approach. To the inspection with automation. I mean, that’s, there’s simple and easy ways to do this that just haven’t been done yet. Allen Hall 2025: Um, Jeremy Heinks: not gonna say it’s gonna be cheap, but it should be, um, usable. It’s not gonna end up on a shelf. Like I always keep telling everybody, all these systems, just they, I’ve seen millions of dollars spent and it just sits on a shelf [00:21:00] collecting dust. Happens all the time. Um, and that’s in the field as well. Uh, we see a lot of really cool robotics sink coming out. A lot of, uh, drone. Interior drone stuff, exterior, drone stuff, uh, and just looking for a practical approach. You know, these guys, a lot of ’em come at it with, um, really good intentions, but, uh, they don’t have the experience needed to, uh, know what they’re gonna run into when they do these, these types of applications and therefore, kind of missed the mark. Allen Hall 2025: Jeremy, I’ve been to a site recently and noticed up on the whiteboard. Blade bolts were their particular issue. And I saw a couple of the blade bolts sitting in the shop there and they had cracks, big cracks and broken blade bolts. And I thought, man, that’s a huge problem. And the number of turbines that were listed was incredible. It’s not technicians and mechanics are out there all day fixing these blade bolts ’cause there’s so many bolts per blade. You just multiply the numbers like wow, they have a huge [00:22:00] problem. The issue is you can’t really tell which Blade Bolt has a crack in it while it’s installed, unless it falls out, and they were having that problem too. How can you attack that problem from an NDT standpoint? Can you suss out what bolts are likely to fail or, or in the process of failing? Jeremy Heinks: Yeah, so in bolt inspection is isn’t new. Um, it’s gonna, sounds kind of new to the wind industry, but uh, oil and gas aviation. We’ve all done, we’ve been doing bolt inspection on those for quite a long time. So even in, uh, on marine with the, you know, sail sailing vessels with the mask bolts. Uh, so, uh, these are things that we can do ultrasonically, um, you know, whether it’s stalled and look for cracks at different, uh, lengths. Um, of course we need a little bit of information about the bolt itself, the material, um, design length, all that stuff. But, uh, no, we can definitely do a, a, uh, inspection. Whether it installed or not installed on the bolts? Uh, you mean it wouldn’t even be a [00:23:00] bad idea to get the bolts inspected before they get used for installation? You know, that could be done with, uh, a few different methods that are pretty quick. Uh, but, uh, the other thing we’re working on, uh, actively is a monitoring system also where, uh, we’ll be able to attach the sensors to the end of the bolt and, uh, it’ll be able to, uh. Monitor the, the health of the individual bolts over time. Allen Hall 2025: Can you see inclusions, or what is the defect that’s causing these bolts to start to crack? Is it something in the casting of the bolts themselves or the machining? Are they overheating them when they’re getting machined or not tempering them correctly? All the Jeremy Heinks: above. So we can definitely see that, um, you know, on new bolts you’ll, you’ll be able to see if there’s manufacturing defects or if there’s material defects, um, that maybe didn’t get caught during manufacturing. Or, um, you know, receiving inspection. Allen Hall 2025: I have one of these bolts that’s like two and a half feet long you can actually see inside and tell me where that defect lies. ’cause you cannot see it on the outside when they’re all [00:24:00] finished. Jeremy Heinks: Right. Typically we use ultrasound, uh, for, uh, quick inspection on that. Um, I mean, if it’s out of the, the turbine, you know, first year x-ray and make particle, that kind of trend, you know, everything gets your to outta, but the ut seems to be pretty, pretty straightforward on those. We’d even signed the cracks that are in the threads if we had the right, um, bit jangle to the, uh, the beam. Allen Hall 2025: Okay. So if you just received a whole truckload of these bolts, which is sort of the quality that you’re coming in right now, you could ut inspect each one of those before you took ’em up tower and, and spent all the money to install ’em and make sure that the manufacturer actually is delivering a proper product. Are Joel Saxum: they doing that at the factory? Why are they not doing that at the factory? Jeremy Heinks: Because Allen Hall 2025: they’re told they’re Jeremy Heinks: good when they get ’em from a supplier. Allen Hall 2025: That seems like a huge, if I’m the attorney at Blade Bulk Company, China Limited, I would want to make sure that I won’t gonna kill somebody because, ’cause those things are falling out and they’re just gonna [00:25:00] lawn daughter it underneath the turbine. Joel Saxum: And a hard hat’s not gonna save you from a bolt coming down. Allen Hall 2025: Well, you could tell by the number of problems that they were having that they had replaced some of these bolts. The new bolts had also had problems. So as a, a sequence of replacements, at some point you have to stop that process. You have to validate the part. You’re putting in the turbine is correct, right? I mean, when you have to do that Jeremy Heinks: on my side, you, you get what you pay for. And if you’re gonna go for cheap, you should probably spend a little bit to make sure what you’re getting is Allen Hall 2025: somewhat decent. So how, what would that entail to check them in the o and m building and say, you got a hundred bolts show up on site. What are we talking about in terms of time to make sure that at least the, the sanity check is being done before you spend the money to install these bolts? I mean, if we put together something, it could be done a few minutes per bolt. Throw me a, throw me a time and a dollar amount. Are we talking about millions of dollars or thousands of dollars for this? Thousands of dollars [00:26:00] Strong. Jeremy Heinks: We could probably get a system together that would be extremely cheap and effective. So I mean, if there’s, if that’s something that needs to exist in the industry, then we can definitely put together something that we can sell. Allen Hall 2025: I think people don’t realize that that is a thing. They don’t know that that’s possible. You can’t go to Amazon and buy a blade, bolt checker that’s not there. You can buy a lot of things on Joel Saxum: Amazon though. Allen Hall 2025: Let me ask you about the thing. I’ve seen the sort of the unscientific blade bolt check. Where they, have you seen this Jeremy, where they hang the bolt on one end and they tap it in the other and it, and it rings right? It makes this kind of a bell noise and they think they can hear if there’s a defect inside of there. Can you hear if there’s an inclusion or some sort of crystalline defect inside this blade bolt by tapping it? That’s, it’s a resonance test and Jeremy Heinks: I, I think you could definitely tell, you can definitely tell if there’s something going on. I think you would have to have a good control though. So if you, you have to have, you’d have to have one bid [00:27:00] vote. To balance against, I would imagine, and someone with good hearing. Yeah, I, it’s tap testing with anything is always subject to so many things. So it’s, uh, it’s better than, Allen Hall 2025: better than nothing probably. But, uh, how much better than nothing? Is it just slightly better or is it like, well you get, at least you’re getting the worst ones out of the lot. Uh, would it even do that? Unless I had it announced to, to try it, um, I would wanna. Say either way, but you see the little tap hammers, I’ve been on site and seen the little tap hammers sitting on guys’ desks that are the, you know, the, uh, calibrated tap test tool to see for DAS, that is not an easy tool to use. And it’s not even right for all the applications because it only, it’ll see something on the surface, but where, what can’t it see? Jeremy Heinks: So there is a regulated. Way to do tap tests. There’s, [00:28:00]it’s, as you have a certified tap test that you have to have, uh, noise levels and the environment have to be at below a certain amount, your, your guy doing, the person doing the test has to have a hearing check annually, and it has to be at a certain level. Um, the tap hammer has to be, is proportional to the thickness of material you’re looking at. ’cause if you’re looking at some, I mean, it’s only good for so, so thick. Like if you’re looking at. 10 millimeters, 15 millimeters fine. But once you get past 20, you’re gonna use a heavy hammer. And I’ve seen hammers in some plants that were probably causing damage, you know, ’cause they were so heavy, like, and they’re just, it was a piece of rebar with a ball bearing welded on the end of it, and they’re just hammering away. And it was so loud in the bay that even when they got lucky, when it crossed the dry glass area, they didn’t hear it. They just kept on rolling. Joel Saxum: Man, I thought, I thought a tap test was literally like a technician with a, with a, like a one euro coin in their hand or something. Just like ding ding [00:29:00] d ding, ding, ding. Like, that’s my tap test. Like you got a quarter. Jeremy Heinks: I have done a lot of tap tests, but it was like on radars where you had like two layers of carbon fiber and it was super thin and you could really hear, it works sometimes, but you just have, it’s got limitations just like any other method of inspection. So, and if people just. Allen Hall 2025: Don’t abide Jeremy Heinks: by Allen Hall 2025: this. If you have a technician roll into the o and m building, listen to Def Leppard on 11, then you’re probably not picking the right guy to do the tap test because it does take a lot of sensitivity to hear these minor changes. It’s not easy. Or the Lake Green, Ozzy Osborne. Yeah, right. If you see a, an Ozzy sticker on the guy’s pickup truck, probably not the right choice for the uh, tap test expert. The funniest thing ever. Jeremy Heinks: On the aviation side, we’ve gone to so many aviation or space group areas that use tap test and it’s always the oldest guy that has the hardest hearing, that’s doing the test every time, every Allen Hall 2025: time [00:30:00] they pass the most stuff. That’s why production doesn’t slow down. You said it, not me. I wanna expand the scope just for a minute. Uh, there’s gonna be a lot of, a lot of sites right now because of the changes in the IRA bill that are not going to be able to. Uh, get their next round of production tax credits and reapply because they’re gonna miss this window, right? So you have blades that are seven and eight years old, or turbines eight, seven, or eight years old. You’re not gonna be in that window of opportunity pretty much depending on what happens with the treasury rules. That thing is like it’s going to force operators into taking a deeper look at the health status of their turbines, maybe more than they have in the past to know, am I good for another 10 years, or if I do a little bit of preemptive maintenance on my existing fleet, can I get ’em 10 years, maybe 15 years? That’s the look I think that everybody’s trying to evaluate right now, and I think the [00:31:00] key to all of that is to actually have some NDT data. To actually look inside and to see, do I have a blade root issue that’s still early, that it’s gonna pop up at year 12? Do I have a cracking issue that I need to go take a look at? How does that factor into the planning over the next year, 18 months? For me, it was a little eyeopening when we went Jeremy Heinks: down that and visited our friends in Australia, and that’s kind of how they live, right? With their, their wind farms. They, they have to make ’em last. And it was, it was eye-opening and I, I just had a conversation with one last week. One of the people we met down there and they were looking into, uh, main bearings, a pitch bearing, and they’re cracking, right? So these are things that can be inspected with ultrasound or other things, and we can find these cracks internally. Like this is stuff that we don’t get to see much in the US or, or, you know, markets like ours because they get replaced, right? Everything gets just, we have a throwaway attitude when it comes to blades because of, you know, repowering and other things. Um, [00:32:00] where. Places like Australia or like in the islands where we’ve got a customer, that’s not how they look at it. These things have to last 30 years, you know, or longer, you know. So, uh, inspection and preventive maintenance is, is is, uh, the way to look, way to go. It. I mean, again, oil and gas, the stuff they have has to last a long damn time. A lot. You know, they do preventative maintenance. They have repair schedules or replacement schedules, all this stuff. And maybe we gotta start looking at that stuff a little more smartly on our side. Um, and, uh, budget for more inspection on these things that we know will go bad over time. And it’s not necessarily just the blade, but other parts of the turbine as well. You know, we’ve got a a yup. Bearing we’re looking at too. And that’s, that’s a pretty large. Part you have a crack in it, but Joel Saxum: ha bearing. Jeremy Heinks: Yeah. So these are things that didn’t crack. So we’re looking at, uh, with different inspection methods as well. [00:33:00] So, Allen Hall 2025: so do you think the roles of reversing that the Australian European methodology to keep turbines up and running is going to be applied to the states, and how is that going to transfer that knowledge transfer gonna work because it. The staffs in. A lot of us operators are set up for that 10 year period. Like they, they don’t really think about year 11 anymore. They haven’t for a number of years. How do they get spooled up on that and what resources are they going to need to get to year 15 and 20? If I was them, I would be reaching out to Jeremy Heinks: our partners in Australia or Europe and ask those questions. And a lot of these comp, a lot of these large energy companies are not just us. They’re. Multiple, you know, areas of the world that they, they brought in. So they have, they should have the knowledge and the leverage in house. They’re just gonna have to connect those people or, you know, people, people, people like you guys are gonna be able to, you know, bring that knowledge and connect those people. ’cause I mean, you guys are great at connecting people for [00:34:00] sure. Joel Saxum: That’s what we, we try to say that to everybody though, too. Every time we go to, like, Hamburg is next year, right? The, the Hamburg is to me is the best wind show in the world. Hamburgers next year. Wind Europe is coming up. Like if you’re a US operator, if you, if you’re, you name it, one of the big conglomerates that has people on both sides of the pond. Yeah. Connect up internally. Come on. Get your act together. But the other side of it is, is there’s a lot of people here that aren’t, they just don’t know. You know, there’s a lot of operators that are very large here. They don’t have anything else anywhere else. Go to Hamburg, go to Wind Europe, go, go over there, just go to the conference, see the technology, see the innovations, talk to the people, have some conversations because it will be eye-opening and you know, and, and there is another one too that I think is a very important, um, there’s some ISPs that go across the pond, back and forth, and some of these good ISPs have a lot of really good knowledge about what goes on back and forth because there’s a different operating model over there as well. There’s a lot of the. Financial asset owners that [00:35:00] just have the plants and they entrust someone later on in life to manage it for ’em. Where these ISPs have 20 vestas engineers and 20 Siemens engineers and 20 SGRE engineer or you know, all these people there. So there’s, there is a way to get this information back and forth, but you’re a hundred percent correct here in this conversation. I guess the, all the three of us here. We’re staring at, uh, a cliff that we need to figure out how to get wings on before we, we don’t want it to be like the red, the red Bull thing, where every, just into the water. We don’t wanna do that. We wanna fly up the cliff. Jeremy Heinks: But we’ve seen, we’ve seen this too, at some of the, the o and m focused, you know, show or conferences or gatherings. The ISPs aren’t, aren’t brought in ’cause they’re scared. It turns into a sales pitch. Um, but again, I like the one we had in Australia last year. That was great. It was, hey. This isn’t a sales pitch, just tell ’em. I mean, most of us know, I mean, I, I’m gonna be up there speaking. I’m not, I don’t have to do a sales pitch. If I, if what I’m saying is valuable to somebody, they’re gonna come find me, [00:36:00] which is what happened after that. You know, people reach out, you know that they’re gonna be like, oh, that I have that issue. I’m gonna go talk to this guy. You don’t have to do a sales pitch, just say, Hey, this is what we, what we found. These are the things we ran into as we do these things. And just keep it about the, uh, about the, about the problems. That we’re facing? Allen Hall 2025: Well, yeah, that’s gonna be the key for the next couple of years, just because a lot of the engineers and staff on the United States, uh, have not been to a lot of conferences and talk to technical people because they haven’t needed to. It’s more of, Hey, I need to keep the blade running a couple more months and then we’re gonna move on to the next project. We got a Repowering project going on. It’s been in that sort of build mode for a number of years, and that whole. Logistics, uh, internal workflow is going to change where they need to be bringing outside resources in to help them understand what they’re missing or what key components do they have over in Denmark or Germany or France that we don’t have on staff at the minute, and why do [00:37:00] they have it? One of those is going to be NDT and a lot of it, I think just because of the age of the turbines and the. I would say the era in which they were built, it’s gonna lead themselves into more inspection. That’s, I think, an avenue for C-I-C-N-D-T to explore, obviously. But I think the key is to get the engineers and the sort of the maintenance staff out into the world again, and to come to some of these conferences. Like j when Jeremy speaks, you should be there listening because he’s gonna give you all the answers in about 30 minutes of what you need to go do. That’s the key. Right? Jeremy Heinks: Right, right. And I mean, not just myself, but anybody in a position where you’ve got knowledge and experience that would benefit the whole industry, um, you know, certain volunteering, get, get out there and uh, and pass the, you know, pass the word out. You know, it’s like, you know, we had this thing in the NDT industry where. A certain generation of the, the older guys that had all this experience, all our senior level threes, you know, back then it was, you [00:38:00] wanted to hold everything in because that was your key, that was your ticket to getting a payday. Right. But ended up is when those feasible people all retired or, or worse. Um, then though that knowledge got passed down and uh, it was all kept up. And you look at, look at the aviation industry, the fumbles they’ve had lately with quality. And that’s because of that. ’cause they don’t talk to each other, none of that. They, they this year, all these problems they’re having right now in aviation stuff that they took care of in the fifties, right. And they just forgot. So now we get, have a chance to try and not do that in the wind industry. Um, you know, if you’re an expert in something, get out there. And, I mean, it’s tough. Like I don’t like talking in front of big crowds or anything, but. It’s, uh, once you get rolling and people get engaged and with guys like you to help out, you know, it’s, it’s not a bad type. Just set the ball in the tee and let you take a whack at it. But you could be in the difference between somebody having a whole farm, uh, a wind farm, go, go down, or they have a, like we’ve come across people that have had [00:39:00] blades or turbines offline for weeks, if not months, because they have an issue they don’t know they can do anything about. And then they bring us in and like, Hey, we did the inspection. This is repairable. Or we did the inspection. You should just get rid of this blade or, or whatever. It’s just they’ve been paralyzed and that, I don’t think that’s, you know, something that needs to happen Allen Hall 2025: either. Well, they shouldn’t be paralyzed. They should be calling C-I-C-N-D-T or going to the website, cic ndt.com. Get ahold of Jeremy, get ahold of the staff because they have a, a tremendous amount of knowledge about blades, about how to inspect them and how to keep the turbines running. Quickly, yes, it costs a little bit of money, but it’s well worth it when you have these turbines down for months on end, and I’ve seen that this year. It’s insane. They should have called. C-I-C-N-D-T and gotten their turbines back up and running. Jeremy, how can people reach you directly? Can they get ahold of you on LinkedIn? Jeremy Heinks: Yeah, get on uh LinkedIn and just search Jeremy Hikes or you can go to our website, uh, ct.com and [00:40:00] we’ve Allen Hall 2025: got links to uh, get ahold of us there and go to some of the wind conferences because Jeremy’s gonna be there laying down the knowledge on NDT and you won’t want to miss it. So, Jeremy, thank you so much for being on the podcast. We love having you. Thanks for having me.

Sermon by Pastor Tom,"Safe Harbor"

Welcome, fellow explorers. My name is Christian Alexandersen and I'm the host of Hemlocks to Hellbenders, a podcast highlighting Pennsylvania's parks, forests and great outdoors.Season four of Hemlocks to Hellbenders is shaping up to be our most exciting yet and I can't wait to take you along for the journey in 2026. We'll be exploring some of Pennsylvania's most incredible parks and forests with the people who know them best: park and forest managers, outdoor educators, historians, authors, conservationists and volunteers who are deeply passionate about this place we call home.This season, conversations will range from outdoor recreation and backpacking to conservation, wildlife and plant management, Indigenous history, volunteerism, and the stories of the people who shaped Pennsylvania's landscapes.If exploring wild places, learning their stories, and planning your next adventure excites you, you're in the right place. Together, we'll dig into hidden gems and help you experience Pennsylvania's public lands in a deeper, more meaningful way.I launched Hemlocks to Hellbenders in 2023 to inspire people to spend more time in Pennsylvania's parks and forests, to stand up for their protection, and to help make the outdoors a more welcoming place for everyone. I hope you'll join us in that mission.I'm excited to be bringing back four advertisers for the 2026 season; the Keystone Trails Association, Pennsylvania Parks and Forests Foundation, Purple Lizard Maps and Sisters' Sunflowers. And I'm thrilled to announce two new supporters of the podcast, Discover Clarion County and Go Laurel Highlands. Our fourth season kicks off on Jan. 7 with an episode on the Native American rock carvings found in Safe Harbor on the Susquehanna River. I look forward to sharing our new guests and episodes with you in 2026.Support the showVisit our website to learn more about the podcast, to purchase merch and to find out about our incredible sponsors. Follow us on Instagram and Meta to stay connected. Hosting, production and editing: Christian AlexandersenMusic: Jon SauerGraphics: Matt Davis

Sermon by Pastor Tom," Emmanuel Harbor"

In this episode of Friday Fiduciary Five, Eric Dyson explores why plan sponsors and finance professionals should carefully consider how record-keeping fees are paid in 401(k), 403(b), and 457 plans. He explains that having companies directly write checks for these fees can reduce fiduciary risk and enhance transparency. Dyson notes that the Department of Labor (DOL) does not take a position on how fees are paid, as long as plan participants are not unfairly burdened. He also discusses the potential use of plan forfeitures to offset these expenses, while pointing out that Safe Harbor plans typically generate minimal forfeitures. The episode concludes with a call for plan sponsors to proactively address this topic and educate employees about their plan's fee structure.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

‘Tis the season for “best of,” “most,” and of course, “naughty and nice” list making.  In this episode Nevin (Adams) and Fred (Reish) share theirs with regard to retirement plans.In that holiday classic “Santa Claus is Coming to Town,”Santa is said to be “making a list and checking it twice…” all with the purpose of finding out “who's naughty and nice.” Well, in this special holiday-inspired episode, Nevin and Fred share their lists.  So, who/what is going to wind up with a lump of coal in their stocking?Here are our lists:Naughty 1. Surveys that promote bogus data to generate business for themselves.  Scare techniques generally, including by those who use surveys and studies to do that.2. Frivolous lawsuits - given multiple chances to make their claim(s) - the forfeiture suits primarily (note:  some of that comes from apparent conflicts in the laws and regulations…for example, the IRS says that using forfeitures to offset contributions is possible, but the DOL says that, if left to discretion, it is a fiduciary duty that must be in the best interest of participants.3. Social Security looming shortfalls left unaddressed - and everyone says it won't be a problem.  4. The lack of any integrated fiduciary/institutional answer to retirement income. Although the steps taken, e.g., the SECURE Act, are “nice.”5. The complexity of the laws governing qualified plans, especially when it comes to small employers.Nice1. Signs that people are saving more and better. Evidence in PSCA, Vanguard and Fidelity surveys.  The very low costs of saving through 401(k) plans as compared to retail (andpartially the plaintiffs' attorneys who have contributed to that).2. DOL backing plan fiduciaries on the forfeiture reallocation suit.   3. More personalized target-date funds/managed accounts.4. Pooled Employer plans (though keep an eye on themarketing and administration of these programs down the road).5. Mandatory automatic enrollment for new 401(k) and 403(b) plans.6. Retirement issues continue to be a bipartisan issue mostly). Episode Resources:Misleading headlines/surveysTalking Points: Third Time No Charm in ‘Forgotten Account' FantasyTalking Points: IRA ‘Junk' BunkNo 'Magic' in These 401(k) Retirement NumbersTalking Points: A Red Flag for a ‘Red Flag' Report).Social Security'Nothing' Doing About Social Security?Forfeiture StuffDOL Backs HP in Forfeiture Reallocation Suit AppealSECURE 2.0 and Retirement IncomeSECURE Act and Guaranteed Income (Part 3) - Fred Reish6 Obstacles to Retirement Income AdoptionPEPsNevin & Fred: Could a Predominant PEPs Prediction Prove Positive?Automatic EnrollmentThe SECURE Act 2.0: The Most Impactful Provisions (#1–Automatic Plans) - Fred ReishThe SECURE Act 2.0: The Most Impactful Provisions #13 — Starter 401(k) Plans and Safe Harbor 403(b) Plans - Fred ReishThings I Worry About (6): Automatic Enrollment (5) and PEPs - Fred Reish 

Sermon by Pastor Tom,"Lighthouse in the Fog"

Sermon by Pastor Tom,"Anchored in readiness"

Staking is now officially on the table for U.S. crypto ETFs.In this episode, I'm joined by Jason Schwartz (@CryptoTaxGuyETH), a tax partner at CahillNXT, Cahill's digital assets and emerging technology practice. Jason specializes in tax issues relating to digital assets, financial products, securitizations, lending, treaties, and fund structures.We break down Treasury and the IRS's new safe harbor that allows crypto ETPs to stake without being treated as domestic corporations, and the questions that follow.Timestamps➡️ 00:00 — Intro➡️ 00:41 — Sponsor: Day One Law➡️ 01:04 — What does the new Treasury/IRS safe harbor actually allow?➡️ 03:30 — Why staking created a legal grey area for ETFs➡️ 06:18 — Why “grantor trust” classification matters so much➡️ 09:55 — The key safe harbor requirements➡️ 14:40 — Who this matters for: investors, issuers, and markets➡️ 19:22 — Could LST-based ETFs outperform Safe Harbor ETFs?➡️ 23:10 — Four big open questions: uncertainties the IRS didn't settle➡️ 28:12 — What comes next for staking ETFs, Treasury, and IRS guidance& much more.Sponsor: Day One Law, a boutique corporate law firm founded by Nick Pullman. Nick and his team at Day One provide strategic legal counsel to startups, crypto projects, and Web3 innovators. ⁠You can get in contact with them via this link⁠: ⁠https://www.dayonelaw.xyz/#contactResources:

There is then a spiritual “rest” that Jesus offers “Today” as shelter amidst the violent daily storms that arise unexpectedly on this earthly journey. A chapter-a-day podcast from Hebrews 4. The text version may always be found and shared at tomvanderwell.com.

www.EricaGoode.com In this episode, Erica discusses the common issue of unexpected tax bills and provides strategies on how to avoid them. She explains why tax surprises happen to solo consultants, the concept of Safe Harbor in tax payments, and the importance of setting aside an appropriate percentage of profits for taxes.   00:51 Dealing with Surprise Tax Bills 02:36 Understanding Safe Harbor 04:21 Setting Aside Money for Taxes 05:52 Managing Tax Payments 06:56 Proactive Tax Planning ____________________ Connect with Erica | LinkedIn | Website | Newsletter  

In this episode of The Best of LKN Podcast, Jeff returns to one of his favorite places on Lake Norman — the Safe Harbor Peninsula Yacht Club in Cornelius. Joining him are General Manager Kathy Dishner, Assistant GM Nikole Maust, and Marina Manager Harry Smith to share what's new at the club.They introduce the exciting new Boat Club, a member-only amenity giving social members access to the lake without owning a boat. Harry details the fleet — six brand-new boats, including pontoons, a Nautique surf boat, and a sporty Key West center console — plus training to keep members confident on the water.Kathy and Nicole discuss fall favorites like wind-down cruises, wine and cheese outings, and a full lineup of holiday events, from the Santa Brunch to the elegant White Gala. They also highlight the popular Kids Camp, led by longtime staffer Katherine Armitage, and the club's eco-friendly initiatives, including aluminum bottles and recycled dining ware at the Outrigger Pool Bar & Grill.Whether boating, dining, or relaxing by the water, Safe Harbor Peninsula Yacht Club continues to be a home away from home for its members — and this episode captures that spirit perfectly.

David Ellison focuses on finance and fintech, arguing that the field is undergoing a period of rapid change. He thinks there are a lot of worries in the industry right now, post-Jamie Dimon's “cockroach” comments. However, he also thinks that it's a “safe place to be” and the valuations are “not that crazy” relative to other areas. His fintech picks include Coinbase (COIN), Block (XYZ), and PayPal (PYPL).======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

A Labor Day meet-cute on Nantucket develops into a dreamy whirlwind romance, and then, just as quickly, a nightmare.McDonald, Brian. Safe Harbor. Macmillan, 2007.“23 Knife Wounds in Nantucket Murder.” ABC News, 12 June 2007, https://abcnews.go.com/TheLaw/story?id=3269194&page=1.Dateline NBC. 1992.“Elizabeth Anne ‘Beth' Lochtefeld (1960-2004) - Find a Grave Memorial.” Find a Grave - Millions of Cemetery Records, https://www.findagrave.com/memorial/157732306/elizabeth_anne-lochtefeld. Accessed 28 July 2025.“Murder in Nantucket.” NBC News, 1 Jan. 2005, https://www.nbcnews.com/id/wbna6769786.“Nantucket Current | Toolan Murder Conviction Upheld By State Supreme….” Nantucket Current, https://nantucketcurrent.com/news/toolan-murder-conviction-upheld-by-supreme-judicial-court. Accessed 28 July 2025.Boston Globe, 21 June 2013.Daily Hampshire Gazette, 24 Aug. 2011.This Week's Episode Brought to You By:Superpower - Go to Superpower.com and use code Lovemurder to get $50 Off your annual Superpower subscription. Live up to your 100-Year potential.Shopify - $1 per month trial - http://shopify.com/lovemurderCure - 20% off your first order - https://www.curehydration.com/lovemurderSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.