Podcasts about Safer

Send us a textFrom secret shopping bags to unopened retirement accounts, we all have financial decisions we'd rather forget. But keeping those choices hidden can erode trust, increase stress, and quietly damage our relationships.Join Anna and Tim as they break down the emotional weight of financial secrets, the psychology behind overspending, and the regrets that haunt so many of us. You'll also learn Anna's SAFER money framework—a practical, compassionate way to move from silence to healing, both in your relationship and with yourself.This episode covers:Why money shame is more common—and more damaging—than we admitThe emotional reasons people hide spending or debt from partnersHow inaction can lead to the deepest financial regretThe difference between guilt and shame in money conversationsWhy chronic secrecy leads to emotional burnout and health consequencesThe SAFER framework to surface, assess, and repair financial secretsHow financial transparency can rebuild intimacy and trustUntil next time, here's to deeper connections and personal growth.Mad love!The podcast is now on YouTube! If you prefer to watch, head over to https://www.youtube.com/playlist?list=PLw3CabcJueib20U_L3WeaR-lNG_B3zYqu__________________________________________Don't forget to subscribe to the Badass Confidence Coach podcast on your favorite podcast platform!CONNECT WITH ANNA:Instagram https://www.instagram.com/askannamarcolin/TikTok https://www.tiktok.com/tag/askannamarcolinEmail hello@annamarcolin.comWebsite https://www.annamarcolin.com__________________________________________And for all your nutritional supplement needs, go to https://www.DrinkAG1.com/ANNA for five free travel packs and a free one-year supply of Vitamin D/K2

Are you ready to discover a powerful new way to support your clients—and yourself? In this episode of The Practice of Therapy Podcast, Gordon sits down with Tamar Blue, founder of MentalHappy, a revolutionary platform that empowers therapists, coaches, and mental health advocates to create secure, community-driven support groups online. Whether you're a provider looking to scale your services or someone seeking a safe space to heal and connect, this conversation is packed with insight, innovation, and heart. Don't miss this inspiring story of how one woman turned a passion for peer support into a movement that's changing lives. Resources Mentioned In This Episode  Watch on YouTube  Use the promo code “GORDON” to get 2 months of Therapy Notes free Google Ads for Therapists Consulting with Gordon Mental Health Wear TN About MentalHappy MentalHappy began in 2016 as a small support group on a social media site, where the team quickly recognized the limitations of using platforms not designed for group support—such as inadequate tools, privacy concerns, and a lack of structure. Comprised of mental health providers, advocates, and facilitators, the founding team experienced these challenges firsthand and set out to create a better solution. The result was MentalHappy: a purpose-built platform designed to simplify group management, enhance engagement, and expand access to emotional support. Rooted in the belief that community care is health care, MentalHappy empowers individuals and organizations to create and manage support groups more effectively. Today, the platform hosts thousands of active groups dedicated to emotional well-being. Through fostering connection, reducing barriers to care, and supporting mental health on a global scale, MentalHappy is redefining how people find strength in community. Website LinkedIn Twitter (X) Facebook Instagram YouTube

Whether you have a team or just contractors, you are creating a workplace culture. In this episode of The Essential Shift Podcast, I'm joined by Miks and Cam, co-founders of Capyble - a Techstars-backed platform that helps businesses turn respect-at-work legislation into meaningful, measurable action.We dive deep into what it really takes to build safer, smarter workplaces - from listening to lived experience, to weaving cultural safety into operations, to using AI without losing humanity. This is a big conversation on leadership, boundaries, and creating work cultures that don't just tick the box - but transform it.If you are a leader in your business, you should listen to this. Set the foundations early and create a safe place for people to work (even if they are only doing 3 hours a week in your business). ✨ Want to connect and build your business with a support network? ⁠JOIN THE CIRCLE⁠ ✨KEY EPISODE TAKEAWAYSWhy safety isn't just physical - it's emotional, cultural, and structuralWhat we get wrong about leadership (especially in small businesses)How to use AI in ways that protect, not perpetuate, harmThe mindset shift from performative compliance to practical impactWhy boundaries are leadership skills – not personality traitsSHOW RESOURCESLearn more about Capyble – HEREJOIN THE CIRCLE – A community for conscious, creative entrepreneurs - HEREFollow me on Instagram – HEREFind me on LinkedIn – HEREABOUT THE GUESTSMiks is a serial global entrepreneur who believes business is a tool for creating positive structural change. She's had 3 successful exits and is now full-time on Capyble, with a mission to bring expertise to 1 million workplaces by 2030. She's a TEDx speaker and has been recognised as a finalist for the Women in Digital Rising Star of the Year 2024, Young Australian of the Year (QLD), AFR Top 100 Women of Influence, and more. Miks is a Harvard alum and Techstars Sydney 2024 participant.Cam has spent the last decade building profitable social enterprises and educational products, with a background in world-building and strategy for narrative-led companies. A master of translating complexity into clarity, he now focuses on making expert support accessible through Capyble, and creating better ways for survivors to share their stories with workplaces and communities through Impact by Design.Bless it be.With love,Laetitia

“Verification is no longer a nice-to-have—it's a must-have,” says Gegham Azatyan, Co-Founder and Chief Business Officer at Dexatel, in a conversation with Doug Green, Publisher of Technology Reseller News. In this episode, Azatyan introduces Dexatel Verify, a new CPaaS solution designed to intelligently authenticate users across multiple channels in real time. Founded in 2015, Dexatel helps global brands build secure and reliable customer communication through SMS, voice, email, and chat apps like WhatsApp, Telegram, and Viber. Now, with the launch of Dexatel Verify, the company is addressing the rising challenges of online fraud, fake accounts, and high messaging costs—particularly in markets where SMS pricing is prohibitive or unreliable. Gegham Azatyan Unlike traditional one-time password (OTP) solutions, Dexatel Verify uses smart fallback logic, a system that dynamically selects the best communication channel for each user and region. If a text message fails, the system might try a voice call or switch to WhatsApp or RCS—all automatically and in real time. This innovation isn't just about efficiency—it's also about cost savings. “Customers using fallback logic can save up to 30%,” Azatyan notes, especially those in high-volume industries like fintech, e-commerce, healthcare, and education. The solution is also fully compliant with GDPR and ISO 27001, making it suitable for businesses operating in regulated sectors. As Dexatel expands into the U.S. and Canadian markets, Azatyan sees Verify as a critical enabler for companies onboarding new users securely and affordably—turning customer verification into a seamless, cost-effective, and fraud-resistant process. Learn more at https://dexatel.com

Today, we're joined by Sebastian Gehrmann, head of responsible AI in the Office of the CTO at Bloomberg, to discuss AI safety in retrieval-augmented generation (RAG) systems and generative AI in high-stakes domains like financial services. We explore how RAG, contrary to some expectations, can inadvertently degrade model safety. We cover examples of unsafe outputs that can emerge from these systems, different approaches to evaluating these safety risks, and the potential reasons behind this counterintuitive behavior. Shifting to the application of generative AI in financial services, Sebastian outlines a domain-specific safety taxonomy designed for the industry's unique needs. We also explore the critical role of governance and regulatory frameworks in addressing these concerns, the role of prompt engineering in bolstering safety, Bloomberg's multi-layered mitigation strategies, and vital areas for further work in improving AI safety within specialized domains. The complete show notes for this episode can be found at https://twimlai.com/go/732.

In this episode Will welcomes Steve Smith, founder of Experiential Consulting and a 30-year veteran in the outdoor education and risk management field. Steve shares his journey from classroom teacher to mountaineering instructor and eventually leading national conversations on risk through roles with Outward Bound, the Student Conservation Association, and the Wilderness Risk Management Conference. Throughout the episode, Steve explains how his thinking has evolved from linear, blame-based models of incident response to a systems-based, learning-focused philosophy that emphasizes psychological safety, continuous improvement, and shared responsibility in outdoor programs. Steve also shares a powerful and personal story of a near-death mountaineering accident that profoundly impacted his mental health—and eventually became a catalyst for change in how he views vulnerability, risk, and leadership. His transparency about the emotional aftermath and his later work to warn others about the recurring hazard at Asgard Pass highlight the importance of learning from both success and failure. This episode is essential listening for anyone in outdoor education, wilderness therapy, or a parent concerned about the safety of outdoor programs. It offers both philosophical depth and practical insights into how programs can navigate risk without sacrificing meaningful adventure. Check out Steve's website for Experiential Consulting:  https://www.outdoorrisk.com/

This episode recorded live at the Becker's Hospital Review 15th Annual Meeting features Dr. Jay Grider, Chief Quality Officer and Chief Executive Officer, Kentucky Medical Services Foundation, University of Kentucky & Kim Adelman, principal, ECG Management Consultants. They discuss how investing in quality and patient safety drives efficiency, cost savings, and long-term sustainability—and why aligning leadership priorities is critical for success.This episode is sponsored by ECG Management Consultants.

What if the very tools we rely on to detect breast cancer were putting us at risk? In this eye-opening episode, I sit down with Dr. John Klock, a visionary physician and medical imaging innovator, to expose the truth behind traditional screening methods and reveal a safer, more effective alternative: QT Ultrasound.Dr. Klock shares his incredible journey—from personal diagnosis to pioneering a breakthrough technology that's transforming breast imaging. Together, they unpack the challenges of disrupting an entrenched system, the common misconceptions around FDA clearance vs. approval, and the critical role of metabolic health in breast cancer risk.This episode is packed with life-changing insights about QT technology, the future of screening, and why informed decision-making is every woman's right. If you've ever questioned the safety or necessity of mammography, this conversation is a must-listen.Dr. John Klock is a physician, scientist, and the founder of QT Imaging. With a decades-long career in medical innovation, Dr. Klock is leading the charge to bring safer, radiation-free, high-resolution breast imaging to women across the world. His mission: to change the standard of care in breast health. In This Episode, You Will Learn:Why current imaging methods may be doing more harm than goodHow QT Ultrasound works—and why it's a game changerWhat it means that mammography was never formally FDA-clearedWhy metabolic health is at the center of breast cancer preventionWho qualifies for QT Imaging and how often you actually need to screen✨ This episode is an invitation to reclaim your health with confidence and clarity.If this episode resonated with you, please follow, rate, and leave a review on your favorite podcast platform. And most importantly—share it with a woman you love. This information could change, or even save, her life.

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In this episode of 'Looking Up,' Dean Regas chats with Stephen Hummel, Dark Skies Initiative coordinator at the University of Texas at Austin and at the McDonald Observatory. Listen in to learn how you can support dark sky preservation from home, no matter where you live.

Have you tried different ways to lose weight, only to gain more instead? You're not alone. Renowned cardiologist and New York Times bestselling author William Davis, MD, known for Wheat Belly, Undoctored, and Super Gut, joins us to share why the key to lasting weight loss may lie in your gut. I'm especially grateful Dr. […]

“Traditional license plate readers were developed in the 1950s and 60s,” says this week's guest, Garrett Langley of Flock Safety. “But you can go into Flock and say I'm looking for a black Sedan with after-market tires and a dent on the left corner, and we will find that car.” Former Atlanta Mayor Kasim Reed and former Philly Mayor Michael Nutter, along with Citizen Co-founder Larry Platt, chat with Langley about his innovative and cost-saving approach to public safety, which made national headlines last year by promptly apprehending a would-be Trump assassin and an Atlanta mass shooter. After being the victim of a robbery in his own neighborhood, Langley reimagined vehicle surveillance and built a company that operates alongside thousands of law enforcement agencies across the country. “I love citizen entrepreneurs who are in the civic problem-solving business,” Platt told the mayors. “That's who this guy is.” Join us for a deep dive into an idea that keeps cities safer while avoiding the typical pitfalls of street surveillance. Remember to subscribe to the podcast to keep up on all the latest episodes. You can even watch the conversation play out on YouTube. As cities go, so goes the nation!

“Traditional license plate readers were developed in the 1950s and 60s,” says Garrett Langley of Flock Safety. “But you can go into Flock and say I'm looking for a black Sedan with after-market tires and a dent on the left corner, and we will find that car.” On this episode of How To Really Run A City, our hosts chat with Langley about his innovative and cost-saving approach to public safety, which made national headlines last year by promptly apprehending a would-be Trump assassin and an Atlanta mass shooter. After being the victim of a robbery in his own neighborhood, Langley reimagined vehicle surveillance and built a company that operates alongside thousands of law enforcement agencies across the country. “I love citizen entrepreneurs who are in the civic problem-solving business,” Larry Platt told former mayors Kasim Reed and Michael Nutter. “That's who this guy is.” Join us for a deep dive into an idea that keeps cities safer while avoiding the typical pitfalls of street surveillance.  As cities go, so goes the nation!

Could nicotine—yes, the same compound found in cigarettes—actually help people with Parkinson's Disease?

The Safer Clare Campaign is to launch a petition calling for the reopening of Garda stations, an increase in Garda numbers, and expanded access to domestic violence refuge spaces. The Campaign is seeking the support of the Clare public to join the movement for safer communities. To that end, they will be visiting towns and villages throughout Clare over the coming weeks, gathering signatures in person. To talk about this further, Alan Morrissey was joined by Chairperson of Safer Clare Campaign and Kilmurry McMahon based Aontú member, June Dillon.

A Black poet, educator and activist who died decades ago gets a graveside marker -- and what some says is long overdue recognition. And the 2025 International Roadcheck, an effort to make our roadways safer. The post Overdue Recognition For An Appalachian Activist And Making Our Roadways Safer, This West Virginia Morning appeared first on West Virginia Public Broadcasting.

The IARC Perspective on the Effects of Policies on Reducing Alcohol Consumption New England Journal of Medicine In 2020, alcohol use was responsible for over 740,000 new cancer cases worldwide. In response, The International Agency for Research on Cancer (IARC) released a two-part handbook assessing the effectiveness of public policy measures in reducing alcohol-related cancer risk. The report found that reducing or stopping alcohol consumption lowers the risk of certain cancers and that several policy interventions, such as increasing alcohol taxes; setting minimum pricing; restricting sales by time, place, and age; implementing total sales bans; and enacting strong marketing restrictions, effectively reduce alcohol consumption. Government-run alcohol monopolies and coordinated national strategies were also associated with decreased use. However, bans on alcohol discounts produced inconsistent results. These findings align with the WHO's Global Alcohol Action Plan and SAFER initiative, highlighting the importance of targeted, enforceable strategies to reduce alcohol-related harm globally.    Read this issue of the ASAM Weekly Subscribe to the ASAM Weekly Visit ASAM

Allianz Ireland has leveraged Spotify to launch a new data-driven initiative that helps drivers take control of their mindset behind the wheel, simply by changing the beat. Studies show that music can have a direct influence on how we drive. Songs with a fast tempo (over 120 beats per minute) can subconsciously encourage drivers to speed up and change lanes much more often. In contrast, music that matches the average resting heart rate (around 60-80 BPM) is associated with calmer, more focused driving. The idea taps into growing public awareness: According to a nationally representative survey commissioned by Allianz Ireland in April 2025, over half of Irish adults believe that listening to music impacts how they drive. This belief is especially strong among younger adults (Gen Z), the group most likely to stream music while behind the wheel. Research shows increased heart rate variability, higher mental workload, and more erratic driving patterns in response to faster music, making them particularly suited to benefit from a more mindful music curation approach. That's why Allianz has turned to Spotify to launch 'Seat Belters', an in-app experience tool that creates a personalised playlist, based on the user's listening history, but with a lower beat per minute, for better driving. A Soundtrack Designed for the Drive, that you'll love Whether it's a school run or a road trip, music sets the tone. Allianz' and Spotify's new campaign on Spotify feature helps drivers tune into a more mindful, more aware pace that is just as enjoyable, for better driving. Each playlist is unique, leveraging Spotify's unique streaming intelligence, but filtered for music in a calmer tempo range (60-80 BPM). Mark Brennan, Chief Marketing Officer at Allianz Ireland, said: "This initiative is about promoting a better driving experience by influencing driver behaviour through music. The music we listen to can significantly affect our mood and actions, so why not harness this to encourage better driving habits? We're thrilled to work with Spotify on this groundbreaking international campaign, offering an experience tool that is not only practical and enjoyable but also personalised, with the potential to reduce road accidents." Seat Belters will be promoted to Spotify's free-tier users via in-app ads and shared on social media. To bring this science to life, Allianz has also launched Dashboard Drumming, a social video activation pairing legendary drummer Stewart Copeland (The Police) with science content creator Big Manny. In a parked car, they use nothing but a dashboard and a drumbeat to demonstrate how changing tempo affects mindset, mood, and ultimately driving behaviour, making BPM instantly relatable and shareable. It's a fun but powerful way to show how we respond to rhythm behind the wheel. Start Your Better Driving Soundtrack. To create your personalised playlist, visit: open.spotify.com/site/allianz

If we want to increase the intimacy and connection in our relationships, it is imperative that we show up as a safe person who creates a safe space. Often, the patterns we have established in our relationships are the opposite of safe, they cause our primitive brains to go into hyper protective mode and want to run away emotionally and physically. But when we can learn to show up safe, time and time again, we can create a space where our spouse may be willing to start engaging in vulnerability, in the openness and honesty necessary to deepen our engagement. Thanks for listening!  Want to learn more about this concept?  Check out these podcasts: #3 Resolving Conflict #20 Blame and Responsibility #51 The Silent Treatment #60 Mental and Emotional Abusive Behaviors #61 Charity is the Antidote #75 Emotional Adulthood #143 Stuck in Perfectionism #193 No Back-Burner Issues #197 Connecting Through Conflict #230 People Pleasing #239 How to Own Your Own #240 Passive-Aggressive Behavior #242 Circling Back Around #270 People Pleasing and Kindness – What's the Difference? #304 Personalities, Preferences, and Perspectives #319 Get Ready to Rock the Boat #357 How to be More Understanding Are you curious about what it would be like to work with me? Here are three options: Group coaching classes are available at tanyahale.com/groupcoaching Talk with Tanya is a free monthly webinar where you can ask me anything and we can have a great discussion.  You can sign up for that at tanyahale.com/groupcoaching Interested in a free 90-minute coaching/consult with me?  Access my calendar at: https://tanyahalecalendar.as.me/

Today's guest is Akhil Khunger, VP in Quantitative Analytics at Barclays. Akhil returns to the program to discuss the evolving role of customer-facing AI in financial services and how financial institutions are embedding safety and security measures directly into client-facing systems. He delves into the risks financial services face, such as prompt injection and model jailbreaking, and how firms are balancing user experience with necessary guardrails. Later, he and Emerj Managing Editor Matthew DeMello explore the challenges of building transparent, trustworthy, and resilient AI systems for the next generation of financial services, especially in light of growing regulatory expectations. This episode is sponsored by ActiveFence. Learn how brands work with Emerj and other Emerj Media options at emerj.com/ad1. Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on Emerj's flagship ‘AI in Business' podcast!

In this episode of Innovation Storytellers, part of our Nordic Visionaries Pocket Podcast series, we explore that connection with Ari Jónsson, COO of Identifier Technologies and Director at the NATO Innovation Fund. Ari's journey began with a PhD in AI at Stanford in the early 90s, when artificial intelligence was far from mainstream. What started as a passion for robotics evolved into software agents that supported decision-making in complex environments, including spacecraft operations at NASA. After a decade at NASA, Ari returned to Iceland just as the 2008 financial crash devastated the country's economy. While many saw a crisis, Ari saw an opportunity. Iceland's talent, previously locked into banking, was suddenly available, and a new wave of innovation began.  As President of Reykjavik University, Ari helped build a tech-focused academic culture that partnered closely with government and industry. His leadership on Iceland's national policy council for science and technology led to significant reforms and a two-year collaboration with MIT to build a stronger entrepreneurial ecosystem. Today, Ari is working on some of the toughest challenges in tech. Identifier Technologies uses AI to track and manage visual content, from stopping the spread of child abuse material to identifying deepfakes and helping brands and newsrooms manage their content more securely. At NATO, he is part of a bold effort to support deep tech with dual-use potential, investing in companies working on everything from space launches to quantum computing and advanced materials. This is a wide-ranging conversation about resilience, collaboration, and how Iceland has consistently punched above its weight in innovation. Ari also reflects on what Americans can learn from Nordic trust-based systems, why we should stop waiting for silver-bullet climate solutions, and how AI and infrastructure can combine to support a sustainable future.  

In This Hour:-- Thoughts about mothers and guns.--  Is the double action pistol safer for concealed carry?--  Buy a cheap purse, take it to the shooting range, and shoot through it with a handgun inside the purse.Gun Talk 05.11.25 After ShowBecome a supporter of this podcast: https://www.spreaker.com/podcast/gun-talk--6185159/support.

Max Trescott shares his top recommended settings for Garmin avionics systems, specifically the G1000, G1000 NXi, G3000, G5000, and the Cirrus Perspective and Perspective+ systems. These configuration tips enhance situational awareness, flight safety, and pilot efficiency—and many also apply to Garmin standalone navigators like the GTN 650 and 750. The episode begins with a critical safety upgrade: switching the Traffic Page vectors from Absolute to Relative. Unlike absolute vectors (which only show heading), relative vectors display a target aircraft's flight path in relation to your own—allowing you to detect potential collision courses earlier and take evasive action sooner. Max also explains Pilot Profiles, which store individual settings for different pilots or flight types. These profiles auto-save any inflight changes, even if made by other users, which can unintentionally overwrite your setup. He offers a clever workaround: naming your profile something like “Maintenance Only” to discourage accidental use. For Cirrus Perspective, Perspective+, and other G1000-based systems, Max outlines his strong preference for Track Up or Heading Up map orientations and why North Up is ergonomically flawed. North Up can disorient pilots in high-workload situations and may even contribute to midair conflicts, as it forces mental rotation of traffic and terrain. Airline pilots overwhelmingly avoid it—and you should too. Other key settings include: Auto Zoom: Turn off to avoid erratic map scaling. Track Vector: Set to 60 seconds to better judge turns and approach timing. Wind Vector: Display wind components (headwind/tailwind and crosswind) clearly for better landing decisions. Fuel Range Rings: Display fuel reserves and total endurance graphically to enhance fuel planning. Altitude Arc ("Banana Bar"): Visually predict level-off points—critical for IFR approaches. Obstacle & Terrain Awareness: Enable obstacle data and use Relative Terrain (especially at night) to avoid controlled flight into terrain (CFIT). For Cirrus Perspective pilots, Max also emphasizes enabling Runway Extensions to help identify the extended centerline in complex or night conditions, and TFR overlays to stay compliant with airspace restrictions. Soft key setup tips include: Enabling Traffic every flight. Using the Inset Map (Vertical Situation Display) to monitor terrain clearance, especially during nighttime descents or cruise-level wind shifts. Declutter Levels: Adjust map detail to balance visibility and clarity; Max prefers the “Detail –3” setting to retain Class B/C airspace while reducing screen clutter. Disabling Pathways and flashing cursors, which can cause visual overload. Through these curated settings, Max demonstrates how pilots flying with Garmin or Cirrus Perspective avionics can custom-tailor their displays for clarity, efficiency, and most importantly—safety. Mentioned on the Show Buy Max Trescott's G3000 Book Call 800-247-6553 Lightspeed Delta Zulu Headset Giveaway Hudson Helicopter Crash Preliminary Report RV-10 Crash in Simi Valley Free Index to the first 282 episodes of Aviation New Talk So You Want To Learn to Fly or Buy a Cirrus seminars Online Version of the Seminar Coming Soon – Register for Notification Check out our recommended ADS-B receivers, and order one for yourself. Yes, we'll make a couple of dollars if you do. Get the Free Aviation News Talk app for iOS or Android. Check out Max's Online Courses: G1000 VFR, G1000 IFR, and Flying WAAS & GPS Approaches. Find them all at: https://www.pilotlearning.com/ Social Media Like Aviation News Talk podcast on Facebook Follow Max on Instagram Follow Max on Twitter Listen to all Aviation News Talk podcasts on YouTube or YouTube Premium "Go Around" song used by permission of Ken Dravis; you can buy his music at kendravis.com If you purchase a product through a link on our site, we may receive compensation.

Liz Bui takes us behind the scenes at Yulex, a material science company that's replacing extremely useful, but problematic petroleum-based products with natural rubber alternatives. Liz Bui is Chief Executive Officer at YULEX, based in the USA. She began her career in the biotechnology and pharmaceutical industry where she spent 20 years in senior roles. On top of managing all operational and business matters at YULEX, Liz is an intellectual property and transactional lawyer, a PhD scientist and also an adjunct professor at the University of San Diego School of Law. Originally from Vietnam, at the age of six Liz escaped on the day Saigon (now Ho Chi Minh City) fell to the North Vietnamese forces. She and her siblings, without their parents, were war refugees aboard a fishing boat until they were rescued by a US aircraft carrier. Like other Vietnamese refugees from that period, she was granted permanent residency and a new life in the U.S. We'll hear about the origins and mission of Yulex and its long-term collaboration with Patagonia to develop natural rubber foam for wetsuits, replacing neoprene, a petroleum-based material. Liz explains some of the key principles underpinning Yulex's approach to innovation, and how these are fundamental to helping it scale out and create benefits right across its value network. Liz talks us through some of the environmental and health issues associated with neoprene, and explains how Yulex is making it easier for suppliers to use natural rubber instead. She tells us about Yulex's latest material innovation, Yulastic filaments - a sustainable alternative to petroleum-based elastane, aka spandex. And we hear how Yulex's Equitable AG program supports rubber smallholders in Southeast Asia, distributing 50% of the profits back to them.

In this episode, we sit down with Daniel Piper, of 1st EnviroSafety, Inc.—a pioneering Pine Island company founded in 1997 and operated by his grandparents, Dr. Ted and Dr. Ann Tidwell. Built on innovation and integrity, the company has developed a line of powerful yet safe solutions, including the Purely Green cleaning and degreasing products, Bio-Wash for boosting agricultural yields and profits, and the Purely Green Bio-Pesticide. These eco-friendly products are non-toxic to humans and animals, offering a smarter alternative to conventional chemicals. Daniel shares what it means to carry on his family's mission and how he's working to eliminate cancer-causing products from everyday life.

In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray challenge one of the most commonly used retirement strategies: the 4% rule. They explain how flat or volatile markets can quickly derail portfolios relying on this outdated approach and introduce laddered principal-guaranteed accounts as a safer, more reliable alternative. The duo also unpacks the risks of dividend chasing and indexing in today's market environment and highlights the need for a mathematically sound, risk-conscious income plan. If you're nearing retirement or recently retired, this episode is a must-listen to help protect your nest egg and find how to plan on consistent income, regardless of market swings.

You can save kids and taxpayer money by making neighborhoods safe!Gangs, child abuse, human trafficking, youth suicide, and drug abuse are not just horrific societal ills, they come at an astonishing cost to the taxpayer: by estimates over $2 trillion annually. The plain fact is that none of this is inevitable, and much of it is preventable. We all can learn about crime prevention and making neighborhoods safer. As a community leader, neighborhood organizer, county coordinator, and state consultant, Mann has forty years of experience as a crime and violence prevention expert. She is the author of five books on empowering our communities and keeping kids safe. Her first book, “Alternative to Fear: Guidelines to Safer Neighborhoods” helped launch the national Neighborhood Watch Program. She is also the founder of the Safe Kids Now Network LLC.Most Americans love freedom and focus on family support and a spiritual understanding of self. However, many young people lack self-awareness, making them easy targets for manipulation, we can be effective, she exclaims. https://safekidsnow.com/http://www.yourlotandparcel.org

In this episode, we talk with Domingo (Dom) Diaz, registered architect, AIA, and president of Diaz Architect & Associates, P.C., about facade restoration best practices and how building owners can stay ahead by prioritizing safety, avoiding costly violations, and making proactive maintenance a smart long-term strategy. ***The video version of this episode can be viewed here.*** […] The post Helpful Facade Restoration Best Practices for Safer Buildings – Ep 155 appeared first on Engineering Management Institute.

Aswad survived a career‑ending shooting while pursuing pro‑basketball overseas. Instead of revenge, he chose forgiveness – then dedicated his life to helping other survivors heal and be heard. His story tests what we think we know about justice, resilience, and public safety.A special thanks to YOU. The criminal justice / first responder professional. Thank you for what you do every day for our communities. Remember you are honored, cherished, and loved. Keep up the good work and please be safe. I struggled. I was in a dark place for a long time. I was in pain, and I masked it with alcohol.  I was contemplating hurting myself.  I finally decided to reach out and ask for help, and I am grateful I did. FHE Health and The Shatterproof Program saved my life. If you are struggling, you don't have to stay there. We can and will help you. Visit the site or call 303.960.9819.

Alans next guest was Clara Blodau. Clara is a student at Gort Community School. She is behind a campaign for safer cycle infrastructure on the Ennis and Galway Roads... To find out more, Alan Morrissey was joined by Student at Gort Community School and Leading Campaign for safer cycle infrastructure on the Ennis and Galway Roads, Clara Blodau. Photo(C): ClareFM

How does an evaporative cooling vest keep your skin up to 5°C cooler for hours—without making you wet? José Näf shares how smart materials can transform temperature regulation. "Lean more about Nahtlos Duratrode electrodes at https://www.nahtlos.com/" In this episode, Dr. Olli Tikkanen continues the conversation with José Näf, co-founder of Duracool, focusing on the design, functionality, and physiological impact of evaporative cooling vests. These vests use semi-permeable membranes to gradually release water vapor, providing long-lasting cooling without soaking the user. José explains the technical design of their shoulder pads and vests, their application in both occupational settings and for individuals with medical conditions such as artificial menopause, and the importance of wearing them over—not under—clothing. Laboratory tests show their cooling performance lasts significantly longer than sponge-based vests, making them ideal for situations with moderate movement, like construction or low-intensity work in hot environments. This episode is a must-listen for professionals and researchers interested in thermal comfort and performance under heat stress. __________ This podcast episode is sponsored by Fibion Inc. | Better Sleep, Sedentary Behaviour and Physical Activity Research with Less Hassle --- Collect, store and manage SB and PA data easily and remotely - Discover ground-breaking Fibion SENS --- SB and PA measurements, analysis, and feedback made easy.  Learn more about Fibion Research --- Learn more about Fibion Sleep and Fibion Circadian Rhythm Solutions. --- Fibion Kids - Activity tracking designed for children. --- Collect self-report physical activity data easily and cost-effectively with Mimove. --- Explore our Wearables,  Experience sampling method (ESM), Sleep,  Heart rate variability (HRV), Sedentary Behavior and Physical Activity article collections for insights on related articles. --- Refer to our article "Physical Activity and Sedentary Behavior Measurements" for an exploration of active and sedentary lifestyle assessment methods. --- Learn about actigraphy in our guide: Exploring Actigraphy in Scientific Research: A Comprehensive Guide. --- Gain foundational ESM insights with "Introduction to Experience Sampling Method (ESM)" for a comprehensive overview. --- Explore accelerometer use in health research with our article "Measuring Physical Activity and Sedentary Behavior with Accelerometers ". --- For an introduction to the fundamental aspects of HRV, consider revisiting our Ultimate Guide to Heart Rate Variability. --- Follow the podcast on Twitter https://twitter.com/PA_Researcher Follow host Dr Olli Tikkanen on Twitter https://twitter.com/ollitikkanen Follow Fibion on Twitter https://twitter.com/fibion https://www.youtube.com/@PA_Researcher        

Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers:https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ South America has a reputation for crime, and many Western travellers and nomads avoid this part of the world for this reason. But recent reports show a trend we have been talking about for a long time now. South America is getting safer every year and it is catching up with the West. Mr Henderson will go through the most recent reports and compare Argentina, South America's safest country, with many big cities in the US and Canada. Not only will we compare how safe both of these are, but also how much tax you are expected to pay for a very similar quality of living. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ DISCLAIMER: The information in this episode should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Nomad Capitalist can and does not provide advice unless/until engaged by you.

Have some feedback? A topic suggestion? Text us!Find full show notes and links at: https://www.gocamp.pro/campcode/creating-safer-braver-spacesInclusive Leadership at Camp: Insights from Simone GambleIn this episode of Camp Code, hosts Gabrielle and Beth sit down with Simone Gamble from OAAARS to discuss creating safer spaces for BIPOC communities through intersectional, anti-oppressive lenses. Simone shares the importance of using play as a tool for justice education, the impact of the Kids Already program, and how camps can implement these practices to build inclusive and supportive environments. Simone's insights offer camp professionals a chance to reflect on their identities and approaches, encouraging ethical allyship and transformative change within camp culture.We hope you love this episode of Camp Code! If you do, please consider subscribing to the show, and leaving us a rating in your Podcast app. It's SO easy, just head to https://ratethispodcast.com/campcode-Best Practice for Leadership TrainingFrom SimoneIn conversations about supporting young people, a common fear is "getting it wrong." But making mistakes is part of the process. The speaker shares that their journey began with the fear of saying the wrong thing—but instead of holding back, that fear became a catalyst to take action. The message is clear: young people aren't expecting perfection; they're looking for honesty, effort, and growth. The worst mistake is doing nothing at all. Now more than ever, we need to create safe spaces for youth to talk openly about the world around them, especially on topics once considered taboo. If we don't start these crucial conversations now, we risk missing the chance entirely. The time for action—and for trying, even imperfectly—is now.-Special Guest: Simone Gamble, Founder - OAAARSYour Hosts:Beth Allison, Camp Consultant - Go Camp ProGabrielle Raill, Camp Director - Camp Ouareau-Thanks to our sponsors…BowlineHQCamp Leaders: Win back your time to what matters most, your campers. Bowline's comprehensive accounting, back-office solutions, and tech-enabled team free up your staff to focus on your mission. Visit bowlinehq.com to learn more and book a free 2-hour financial diagnostic. UltraCampImagine camp registration software that actually gives you MORE time for what you love - CAMP! With UltraCamp, you can effortlessly track attendance, manage staff, streamline registration, and more. Explore now at ultracampmanagemnent.com/campcode.

When Money Feels Wrong: Breaking Free from Scarcity, Shame, and Generational Beliefs In this powerful episode, Rachel Wortman helps us tear down spiritual strongholds around money that keep so many Christian women stuck. From growing up with limiting beliefs to trying to live a life of poverty in the name of faith, Rachel shares how God completely rewrote her understanding of wealth—and how He wants to do the same for you.She unpacks how aligning your finances with the Word of God can release you into purpose, impact, and overflow. Whether you've battled guilt around wanting more or felt like abundance just isn't for you, this episode will challenge and inspire you to rethink what it means to be a godly steward of wealth.If you liked this episode, watch it on YouTube!

Topics covered in this episode: pirel: Python release cycle in your terminal FastAPI Cloud Python's new t-strings Extras Joke Watch on YouTube About the show Sponsored by NordLayer: pythonbytes.fm/nordlayer Connect with the hosts Michael: @mkennedy@fosstodon.org / @mkennedy.codes (bsky) Brian: @brianokken@fosstodon.org / @brianokken.bsky.social Show: @pythonbytes@fosstodon.org / @pythonbytes.fm (bsky) Join us on YouTube at pythonbytes.fm/live to be part of the audience. Usually Monday at 10am PT. Older video versions available there too. Finally, if you want an artisanal, hand-crafted digest of every week of the show notes in email form? Add your name and email to our friends of the show list, we'll never share it. Michael #1: pirel: Python release cycle in your terminal pirel check shows release information about your active Python interpreter. If the active version is end-of-life, the program exits with code 1. If no active Python interpreter is found, the program exits with code 2. pirel list lists all Python releases in a table. Your active Python interpreter is highlighted. A picture is worth many words Brian #2: FastAPI Cloud Sebastián Ramírez, creator of FastAPI, announced today the formation of a new Company, FastAPI Cloud. Here's the announcement blog post: FastAPI Cloud - By The Same Team Behind FastAPI There's a wait list to try it out. Promises to turns deployment into fastapi login; fastapi deploy Side note: announcement includes quote from Daft Punk: Build Harder, Better, Faster, Stronger I just included this in a talk I'm gave last week (and will again next week), where I modify this to “Build Easier, Better, Faster, Stronger” Sebastian and I are both fans of the rocket emoji. BTW, we first covered FastAPI on episode 123 in 2019 Brian #3: Python's new t-strings Dave Peck, one of the authors of PEP 750, which will go into Python 3.14 We covered t-strings in ep 428 In article t-strings security benefits over f-strings How to work with t-strings A Pig Latin example Also, I think I have always done this wrong Is it the first consonant to the end? or the first consonant cluster? So… Brian → Rianbay? or Ianbray? BTW, this is an example of nerdgassing What's next once t-strings ship? On thing that's next (in Python 3.15, maybe, is using t-strings in shlex and subprocess) PEP 787 – Safer subprocess usage using t-strings deferred to 3.15 Michael #4: zev A simple CLI tool to help you remember terminal commands. Examples: # Find running processes zev 'show all running python processes' # File operations zev 'find all .py files modified in the last 24 hours' # System information zev 'show disk usage for current directory' # Network commands zev 'check if google.com is reachable' # Git operations zev 'show uncommitted changes in git' Again, picture worth many words: Extras Brian: Holy Grail turns 50 nerdgassing Michael: Transcripts are a bit better now. Zen is better now Joke: Can my friend come in?

Are you in your 40s or 50s and wondering what tests could actually help you prevent future health problems—not just detect them too late? In this episode, I'm diving deep into the 6 essential lab tests and screenings every woman in midlife should consider. These aren't just numbers on a lab report—they're powerful tools for protecting your bones, brain, heart, hormones, and overall vitality. We cover: • The bone scan you need before you break a hip - and it's not DEXA • A powerful heart marker your doctor might skip • The difference between fasting glucose and fasting insulin • Why TSH alone isn't enough for thyroid testing • The truth about hormone testing in midlife • Safer options and hacks for breast screening MIDLIFE LAB TEST GUIDE: https://hackmyage.com/lab-test-guide-for-midlife/ RADIATION OFFSET PROTOCOL: https://hackmyage.com/radiation-offset-protocol/ REVERSE OSTEOPOROSIS: https://youtu.be/JRrd52WsmXI?si=aEgnrkHA8zIAldl_ IS DEXA FLAWED? https://youtu.be/Z12HXo2uik4?si=_sNHYC1ZEbyrgu6t  IS IT THYROPAUSE OR MENOPAUSE?: https://youtu.be/2wShyvG0tuI?si=RXa2tHyyDhVEaKhE   Give thanks to our sponsors: Qualia senolytics and brain supplements. 15% off with code ZORA here. Try Vitali skincare. 20% off with code ZORA here https://vitaliskincare.com Get Primeadine spermidine by Oxford Healthspan. 15% discount with code ZORA ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Get Mitopure Urolithin A by Timeline. 10% discount with code ZORA at https://timeline.com/zora Try Suji to improve muscle 10% off with code ZORA at TrySuji.com https://trysuji.com Get Magnesium Breakthrough by Bioptimizers. 10% discount with code HACKMYAGE at https://bioptimizers.com/hackmyage Try OneSkin skincare with code ZORA for 15% off https://shareasale.com/r.cfm?b=2685556&u=4476154&m=102446&urllink=&afftrack= Join ⁠⁠⁠Biohacking Menopause⁠⁠⁠ before June 1, 2025 to win Energy Bits spirulina & chlorella! 20% off with code ZORA at EnergyBits.com   Join the Hack My Age community on: Facebook Page: ⁠⁠⁠⁠⁠@⁠Hack My Age⁠     Facebook Group: ⁠⁠⁠⁠⁠⁠@⁠Biohacking Menopause⁠⁠⁠⁠⁠⁠ ⁠ Private Women's Only Support Group: https://hackmyage.com/biohacking-menopause-membership/ Instagram: ⁠⁠⁠⁠⁠@⁠HackMyAge⁠    Website: ⁠⁠⁠⁠⁠⁠HackMyAge.com⁠     

On this episode of The Defense Unicorns Podcast, host Rebecca Lively chats with Case Wylie, Software Engineering Lead, about building security-minded software that keeps up with developer velocity. From his early days at Red Hat to architecting open-source tools at Defense Unicorns, Case shares how Pepr—a TypeScript-based operator framework—is redefining how Kubernetes clusters are secured and managed in airgapped environments. It's not just about enforcing policy; it's about enabling developers to move faster, safer, and smarter.Through real-world metaphors (ever been to a nightclub with strict bouncers?), Case breaks down the roles of admission controllers, operator frameworks, and how Pepr works seamlessly with GitOps without adding friction. He explains why Pepr isn't just a tool, but part of a broader movement to standardize security postures, reduce configuration drift, and empower app teams to focus on delivering real value. With a human-first API and open-source DNA, Pepr is built to be accessible to all, not just Kubernetes power users.If you're curious about what it takes to scale secure software in complex, mission-critical environments—or just want a fresh, practical take on DevSecOps—this episode delivers. Case also shares his philosophy on open-source collaboration and what it means to build tools that truly stand the test of scale and scrutiny.Key Quote:“Pepr will always be open source and the reason why it's open source is because frankly, open source software, when your software is open source, you expose the application or the software or the platform, whatever it is to exponentially more eyes and more eyes over time and then more people start adopting it and using it and saying like, ‘Hey, you know what? I do have this simple thing I always have to do in my cluster. Maybe I try Pepr for that.' Right? And then they do it with a simple task, and then they say, ‘Hey, you know what? It would be great if Pepr could do this thing. And they put in a feature request. Then we develop that feature request, or they develop it, and they submit a PR to Pepr. And now Pepr as a whole is better because now you're using it. I'm using it. They're using it. The more people that use it, the better.”Case WylieTime Stamps:(02:44) Introduction to UDS and Pepr(05:59) The Importance of Air-Gapped Environments(11:40) Understanding Kubernetes Admission Control(16:05) Comparing Pepr with Other Tools(22:00) Why Pepr Uses TypeScript(34:03) The Benefits of Open Source for Pepr(43:31) Lightning RoundLinks:Connect with Casey WylieConnect with Rebecca LivelyLearn More About Defense Unicorns

is LA Metro safer now? When will we feel the tariffs. LA Counties new mental health campaign, Gondola madness.

Send us a textTrust is the invisible infrastructure that modern digital economies depend on, yet the Web3 space continues to struggle with a reputation crisis fueled by high-profile hacks, scams, and exploits. Adrien Resch, co-founder of AuditOne and Safura, is methodically addressing this challenge by building what he describes as "a solid trust layer for the decentralized world."The security ecosystem Adrien and his team have developed goes far beyond traditional smart contract audits. While audits remain a cornerstone of pre-deployment security, AuditOne differentiates itself through a global network of specialized auditors who bring targeted expertise to each project. This distributed approach solves a fundamental problem in blockchain security—the impossibility of mastering every programming language, protocol architecture, and vulnerability type that exists across rapidly evolving ecosystems.What truly sets this security approach apart is its holistic nature. Post-deployment bug bounties incentivize ethical hackers to continuously test protocols, while Safura's asset coverage provides practical protection for users' digital assets. For just 2-5% of asset value, users can secure their investments against hacks and exploits—an insurance-like model that offers peace of mind when yields on DeFi protocols commonly reach 15-20%.The recently launched risk assessment agent represents perhaps the most forward-thinking element of the ecosystem. By continuously monitoring projects for security issues, liquidity changes, and other risk factors, the agent provides real-time scoring that helps users make informed decisions. This proactive approach moves beyond reactive security measures toward a dynamic risk management system that could fundamentally change how users interact with blockchain protocols.For projects concerned about regulatory clarity, AuditOne's European base and BaFin-reviewed token provide an additional layer of legitimacy often missing in the space. As Web3 gradually moves toward mainstream adoption, this focus on compliance may prove just as important as technical security in building trust with traditional institutions and retail users alike.This episode was recorded through a Descript call on April 10, 2025. Read the blog article and show notes here: https://webdrie.net/the-3-billion-problem-how-adrien-resch-is-reinventing-web3-security-for-a-safer-future/Discover RYO: the Web3 payment solution making crypto simple and secure for everyone. Featuring an expansive ecosystem with LIFE Wallet, Global Mall, and Japan's first licensed Crypto ATM Network, RYO empowers your financial journey. Awarded 'Best Crypto Solution.'

Post-Gazette sports columnist Jason Mackey joins host Adam Bittner to react to a busy week in Pittsburgh sports news. How much pressure is on Steelers coach Mike Tomlin following the firing of the Penguins' Mike Sullivan? Will he face expectations to win in 2025, after GM Omar Khan decided to keep names like George Pickens and T.J. Watt rather than trade them for future draft capital? And amid the likely signing of veteran Aaron Rodgers? Or will get get a chance to coach the team in 2026, when it holds 10 draft picks and may be able to seek its QB of the future, with names like Arch Manning, Drew Allar, LaNorris Sellers and Nico Iamaleava likely coming out of the college ranks? Later, the guys tackle the Penguins' new direction without Sullivan. What changed for GM Kyle Dubas between last year and this year, given the reality that expectations for 2024-25 were low? Could a new coach jolt the team like Dan Bylsma did in 2009 or Sullivan did in 2016 to spark Stanley Cup runs from Sidney Crosby, Evgeni Malkin and Kris Letang? How much runway does Kyle Dubas have to turn the Penguins into contenders? And is the perception of Sidney Crosby's involvement in front office moves fit reality? Then in the third segment, airing on the PG's Pirates YouTube channel, our duo analyzes the continued lack of results in the win-loss column despite some improvement offensively. Is this just a bad team, even if it continues to show some improvement? What does that mean for GM Ben Cherington and manager Derek Shelton in owner Bob Nutting's eyes? Is Enmanuel Valdez a useful player? Or only looking good by comparison? And how will things shake out in the rotation with Bubba Chandler becoming hard to deny in the minors, Jared Jones on the mend and Carmen Mlodzinski still struggling after the first time through opposing batting orders? If you haven't already, subscribe to the sports department's YouTube channels so you don't miss videos with our reports, columnists and their special guests.

This is the All Local 4pm update for May 1, 2025

Identity VerificationThe old tools simply don't work any more. Applicants looking to deceive employers and background screeners know how to provide false identifiers. The question is, can they be stopped.The SSN Trace can present RED flags, but it's not a tool that can be used to VERIFY IDENTITY.Consent Based Social Security Number Verification/Consumer Based... Great tool, but they require additional forms and increase cost and turnaround time.Identity Verification Technology... the best solution because it stops the applicant from providing false identifiers before they can get the background check process. Enhances the quality of the background screening program while reducing risk.

Story at-a-glance Dryer sheets emit toxic chemicals like benzene and acetaldehyde, which pose cancer risks, irritate skin, disrupt hormones and harm brain health through inhalation or direct contact Synthetic fragrances in dryer sheets trigger allergic reactions, asthma and neurological symptoms like brain fog, especially in those with chemical sensitivities or underlying health conditions Dryer sheets leave behind residue that clogs lint screens, damages sensors, reduces efficiency and even increases the risk of dryer fires if not properly cleaned These products also degrade clothing, especially towels and athletic wear, by coating fabrics with a waxy film that reduces absorbency and impairs moisture-wicking properties Safer alternatives include organic wool dryer balls, white vinegar with essential oils, aluminum foil balls, air-drying and fragrance-free detergents to protect your health and home

Things got very heated on this episode when Adrian and Jeremy went head to head with an anti-immigration activist who made a series of claims about attempted child abductions.

It's the Friday News Roundup! We're talking about a new report showing Philly is safer (even if the rent is still too high). We're digging into an Amtrak bribery scandal involving Bruno Mars tickets, a $4,700 dog, and cigars at Ashton's. And we've got the story on why Bella Vista neighbors are beefing with Angelo's Pizzeria.  Our Friday news roundups are powered by great local journalism:  Philadelphia 2025: The State of the City How the restoration of Philly's historic 30th St. Station became a corruption bonanza Multiple Temple University students assaulted after "disorderly" crowd of minors gathered on campus Charges against a man were dismissed. Then a Philly police officer escorted him into ICE custody. Popular Angelo's Pizzeria is not popular among neighbors as they speak out on quality of life issues Advocates ask city for $1.8 million for deportation defense  Thoughts on Philly corruption, Philly police immigration enforcement, or Philly teens swarming Temple University? Leave us a voicemail or text: 215-259-8170 Get all this Philly news & more (plus events!) in your inbox with our newsletter: Hey Philly We're also on Instagram: @citycastphilly Learn more about the sponsors of this episode:  Babbel - Get up to 60% off at Babbel.com/CITYCAST Aura Frames - Get $35-off plus free shipping on the Carver Mat frame with Promo Code CITYCAST Cozy Earth - Use code COZYPHILLY for 40% off best-selling sheets, towels, pajamas, and more. Advertise on the podcast or in the newsletter: citycast.fm/advertise Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Howell talks with Shannon Klug, an Air Force veteran, parent, and activist, about how individuals and faith communities can help prevent gun violence and build a culture of responsibility, compassion, and care. Shannon shares her experiences and highlights how thoughtful conversations and small actions can lead to real change. Shannon is the Be SMART Lead for North Carolina and a member of the Everytown Veteran Advisory Council. She encourages responsible gun ownership and empowers families and communities to promote safety, connection, and hope.

Did you know there's a way to tap into your home's equity for tax-free cash—without having to make monthly payments? It's true.It's called a Home Equity Conversion Mortgage, or HECM—what many of you know as a reverse mortgage. But today's reverse mortgage isn't what it used to be. Harlan Accola is here to help us unpack how they work and whether one might be right for you.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement. What's Changed? A Safer, Regulated OptionWhen you hear the phrase reverse mortgage, you might think of outdated financial tools with a bad reputation. However, home equity conversion mortgages (HECMs) significantly differ from those in the past.Reverse mortgages today are not the “Wild West” products of decades past. Since major reforms were enacted during President Reagan's term in 1988, HECMs are now heavily regulated under the Federal Housing Administration (FHA).No one can lose their house or have it taken away, provided they're working with a reputable lender and stay in the home while meeting basic obligations. Ownership doesn't change, and homeowners are protected.These changes addressed the risks that once made reverse mortgages controversial. Now, with strict oversight, they provide a reliable option for seniors wanting to tap into their home equity without selling.Are Reverse Mortgage Interest Rates Too High?It's a common misconception that reverse mortgage interest rates are significantly higher than traditional mortgages. But that comparison isn't apples to apples. Interest rates on HECMs are actually tied to the 10-year Treasury rate and are heavily regulated.Right now, interest rates for reverse mortgages are about the same as traditional mortgages—around 6.5%. This means homeowners aren't sacrificing much, if anything, in interest when compared to forward mortgages.What About Costs and Obligations?The closing costs for reverse mortgages are nearly identical to traditional mortgages, with one key difference: the addition of FHA mortgage insurance.This insurance offers three essential guarantees:You can remain in your home as long as you want (up to age 150!).Thanks to non-recourse debt protections, you will never owe more than the home's value.Your heirs won't be left with a bill.Yes, this insurance adds about 2% of the home's value to the upfront costs, but it's well worth it—just like homeowner's insurance is worth it if your house burns down.What Happens When the Borrower Passes Away?A major concern many have is what happens to the home after the homeowner dies or permanently moves out.The key is proper planning. Without a will or trust in place, any mortgage—reverse or traditional—can create problems for heirs. In most cases, the home is simply sold, and any remaining equity belongs to the heirs. For instance, if the reverse mortgage balance were $100,000 on a $400,000 home, the heirs would receive the remaining $300,000.Sometimes, grandchildren may want to keep the home, in which case they can buy out other heirs. Either way, the process can be managed with clear planning.Flexible Payout OptionsOne of the most attractive features of a HECM is its flexibility. Homeowners can choose to receive their funds in a variety of ways:A lump sumA line of creditMonthly income paymentsOr even a combination of these optionsThe big idea? Your home is not just a place to live—it's also a financial asset that can be used strategically, especially in retirement.Every financial situation is different. However, a reverse mortgage could be a wise part of a broader financial plan for older homeowners. When used correctly, it offers flexibility, security, and peace of mind without jeopardizing their home.Visit Movement.com/Faith to learn more about reverse mortgages or speak directly with Harlan Accola at Movement Mortgage.On Today's Program, Rob Answers Listener Questions:My husband has taken a new job, and we have been contributing to an HSA. He wants to contribute $1,000 a month to the HSA. We still own a home and are nearing retirement age. Should we work on paying off the home or continue to put dollars into the HSA?A week or two ago, I caught part of your program about freezing credit scores. I didn't catch the whole explanation. We've never really taken out loans except for our first house 45 years ago. Is there any downside to freezing my credit?I recently received a large amount of money from a dear loved one who passed away in January. I know I'm going to tithe and pay taxes on the amount. I have an appointment with my bank to set up a CD account, but I want to know what other types of investments I can make with the money. I just want to make sure I'm doing the right thing.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineMovement MortgageBankrate.comChristian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Capital One has long been recognized as a digital-first financial services company. Now, it's productizing its tech DNA into standalone B2B software. In this episode, Peter High speaks with Ravi Raghu, President of Capital One Software, about how internal cloud and data security capabilities led to the launch of an enterprise SaaS business—starting with offerings like Slingshot and Data Bolt.

For years, Seattle’s Little Saigon neighborhood has been struggling with crime, public drug use, and concentrated homelessness. Little Saigon’s problems got worse during the pandemic, and it’s taking a toll on the community, especially neighborhood businesses. Now, there’s a grassroots effort up and running to make Little Saigon safer. It’s a project called Phố Đẹp. We visit the neighborhood to talk with Quynh Pham, Executive Director of Friends of Little Saigon. Link to apply for an e-bike voucher. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.