Podcasts about Separate

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Best podcasts about Separate

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Latest podcast episodes about Separate

Seismic Soundoff
261: Innovations in Land Seismic Acquisition with Andrea Crook

Seismic Soundoff

Play Episode Listen Later Jun 12, 2025 23:03


"We're seeing rapid advances both in seismic acquisition technologies and in processing techniques. In order to get data that is appropriate for full waveform inversion, you have to rethink how you're acquiring the data in the field." In this episode, host Andrew Geary speaks with Andrea Crook, CEO of OptiSeis and lead instructor of the IMAGE 2025 short course, Innovations in Land Seismic Acquisition. Andrea explores the seismic design landscape, breaking down how advances in sources, sensors, sampling, and sustainability are reshaping land acquisition. Listeners will walk away with practical strategies to enhance survey quality, minimize environmental impact, and more effectively connect acquisition with processing and interpretation. KEY TAKEAWAYS > Innovations in survey design, such as high-density Vibroseis and nodal systems, lead to improved data and safer operations. > Sustainability in seismic acquisition isn't just good for the planet - it also drives cost efficiency and long-term data value. > Course attendees will learn how to evaluate survey trade-offs, enhance trace density, and make informed decisions using real-world examples. CALL TO ACTION Ready to improve your surveys and future-proof your data? Sign up for Innovations in Land Seismic Acquisition at IMAGE 2025. This hands-on short course, led by Andrea Crook, covers the latest technologies, field-tested strategies, and real-world examples to boost your survey success. Separate registration is required; please reserve your spot at https://www.imageevent.org/short-courses/short-course-25/innovations-in-land-seismic-acquisition-seg. GUEST BIO Andrea Crook, P.Geoph., is the CEO of OptiSeis, a company she co-founded in 2011 to provide innovative solutions for accurate subsurface imaging. Andrea graduated from the University of Manitoba with a B.Sc. Honours in Geophysics and began her career at Shell Canada in seismic processing and geophysical operations. Based on her extensive contributions to the field of geophysics, she received the 2019 CSEG Technical Achievement Award and was the Society's 2023 Symposium Honouree. She is also on the Board of Directors for the Clean Resource Innovation Network (CRIN), was selected to present the 2024/25 CSEG Canadian Distinguished Lecture Tour, and is the recipient of both the 2019 and 2024 GeoConvention Best Paper Award. Through active collaboration with industry and academia, she and her team continue to develop innovative solutions for environmentally sustainable subsurface imaging. LINKS * Sign up for Innovations in Land Seismic Acquisition at IMAGE 2025 at https://www.imageevent.org/short-courses/short-course-25/innovations-in-land-seismic-acquisition-seg * Visit https://seg.org/podcasts/episode-261-innovations-in-land-seismic-acquisition-with-andrea-crook for all the resources mentioned in this episode.

Divorce Master Radio
How to Separate Digital Subscriptions and Accounts After Divorce? | Los Angeles Divorce

Divorce Master Radio

Play Episode Listen Later Jun 11, 2025 1:54


Plainfield Christian Church
06-08-25 | Abraham: Abram and Lot Separate

Plainfield Christian Church

Play Episode Listen Later Jun 8, 2025 37:36


06-08-25 | Abraham: Abram and Lot Separate by Plainfield Christian Church

PORTIONS - A TFI Podcast
S7 | E33: Called to be Separate

PORTIONS - A TFI Podcast

Play Episode Listen Later Jun 6, 2025 26:21


The wilderness isn't just a place, it's a purpose. In today's episode, Nathan and I dive into the book of Numbers and explore how God uses the wilderness to shape us, test us, and draw us closer. Plus, we've got something really special: a video of my dad proclaiming the Aaronic Benediction over the community he served in Phoenix for over 40 years. You won't want to miss it.Be sure to SUBSCRIBE so you don't miss a video from TFI! Donate to TFI: https://www.togetherforisrael.org/givingpageVisit our Website: https://www.togetherforisrael.orgDownload our App: https://subsplash.com/togetherforisrael/download-appJoin us for a tour: https://www.tfi.tours

god numbers app separate tfi aaronic benediction
Shaye Ganam
What if Alberta really did vote to separate?

Shaye Ganam

Play Episode Listen Later Jun 6, 2025 12:19


What if Alberta really did vote to separate? Learn more about your ad choices. Visit megaphone.fm/adchoices

1010 WINS ALL LOCAL
Air Quality Alert in effect today as temperatures soar near 90... Adams wants e-bikes to slow down... All 9 Democratic candidates for mayor faced off last night... Two men shot dead in two separate shootings in Chelsea and Times Square

1010 WINS ALL LOCAL

Play Episode Listen Later Jun 5, 2025 5:44


Air Quality Alert in effect today as temperatures soar near 90... Adams wants e-bikes to slow down... All 9 Democratic candidates for mayor faced off last night... Two men shot dead in two separate shootings in Chelsea and Times Square full 344 Thu, 05 Jun 2025 09:46:01 +0000 8mnyXGcH0gns2XeBtzfGK7hZyEF0ghGP news 1010 WINS ALL LOCAL news Air Quality Alert in effect today as temperatures soar near 90... Adams wants e-bikes to slow down... All 9 Democratic candidates for mayor faced off last night... Two men shot dead in two separate shootings in Chelsea and Times Square The podcast is hyper-focused on local news, issues and events in the New York City area. This podcast's purpose is to give New Yorkers New York news about their neighborhoods and shine a light on the issues happening in their backyard. 2024 © 2021 Audacy, Inc.

Windshield Time
How Great Techs Present Findings Without Losing the Customer

Windshield Time

Play Episode Listen Later Jun 4, 2025 37:26


Ever presented your findings… and watched the customer go quiet? In this episode of Windshield Time, Chris Elmore and James “J-Dub” Walker unpack what really causes that reaction—and how to prevent it. From the very first question you ask, you're either setting context or setting a trap. If you want the customer to trust you when it matters most, you've got to build contrast early and deliver findings with clarity, confidence, and control. You'll learn how to: -Ask better questions that build trust and uncover expectations -Use age, maintenance, and filtration to create context -Structure findings as a story—not a list of problems -Separate the “meaning” conversation from the “money” conversation -Keep control of the call while giving customers space to process -Turn presentation anxiety into confidence and clarity Mentioned in this episode: The “bomb blast” effect: why customers shut down The 7-step findings presentation framework How to avoid the “I also found…” death spiral The importance of linking symptoms to causes When to give customers space—and when to stay close Why you shouldn't present findings with pricing attached

Building Resilience
Why You Take Things Personally (and What to Do Instead)

Building Resilience

Play Episode Listen Later Jun 4, 2025 20:10


Do you replay conversations in your head, second-guess your words, or feel a wave of shame from just one comment or look?You're not too sensitive and you're not alone. You're simply human with a nervous system doing its job to protect you.In this episode, we unpack why you take things personally and what you can do to shift that response. This isn't about “toughening up” or just thinking positive. It's about understanding the neurobiology behind emotional reactions and learning how to regulate your state so you can respond with clarity, not collapse.

Let's Encourage One Another
[Ep 179] Engaging with the Samaritan Woman: A Message on John 4

Let's Encourage One Another

Play Episode Listen Later Jun 3, 2025 20:28


Deciding on my major in college really wasn't that hard for me. I knew I wanted my studies to focus on the Bible and speech. I wanted to learn more about His Word so that I could communicate it clearly to those around me. So that's what I did: I majored in communication and minored in biblical studies, taking as many classes as I could to understand more about the Bible and spiritual formation.  The truth is, as much as I love supporting women as they seek healing in God and as they journal together with Him, one of my biggest passions is teaching God's Word. You can see how the two go hand-in-hand, yet they are also distinct. Separate. Teaching His Word has looked different for me over the years. Sometimes I was teaching children, sometimes youth, sometimes adults. Sometimes in small group settings, other times in large group ones. Always teaching in my local church, yet also sometimes teaching as a guest in places like retreats and conferences. And today, you get a special treat. Because I'm sharing a message I gave titled “Love Does That,” which is where my business name comes from. I originally gave this message in 2016. I started Love Does That in 2018. Which means I am now 7 years into this thing. Though there have been a few twists and turns along the way as I continue to discern how God wants me to use this space for Him, it is always an absolute honor and a privilege for me to use His Word to stir up the faith of others. So I invite you to join me as we go back and listen to the message that started it all.  Kari   >> Speaking http://lovedoesthat.org/speaking   RELATED EPISODES: ·       Episode 106: Leading As An Introvert ·       Episode 57: A Heart to Heart with Women's Ministries Leaders: You've Got to Reach Out to Those in Your Church Who Are Hurting ·       Episode 12: Caring for Hurting Kids at Your Church: 3 Powerful But Simple Things You Can Do ·       Bonus Episode: Dry Bones: A Resurrection Story ______ >> Free Journaling Workshop: 3 ways to encounter God on the pages of your journal http://lovedoesthat.org/journalingworkshop >> Journal Gently: An 8-week grief and trauma journaling program http://lovedoesthat.org/journalgently   Music by DappyTKeys

Hinsdale Covenant Church
6.1.25 - "JOURNEY: Paul and Barnabas Separate" - Lars Stromberg

Hinsdale Covenant Church

Play Episode Listen Later Jun 3, 2025 27:24


From Acts 15:38-16:5

Wilson County News
Unique situation, separate finances?

Wilson County News

Play Episode Listen Later Jun 3, 2025 2:48


Dear Dave, My fiancé and I are getting married this year. We're both in our 40s with kids, so we'll be a blended family. The thing that worries me is that we have drastically different views on handling money. I'm a saver, and he's a spender. I also make significantly more money than he does. He's been trying to get his production company in Tampa off the ground for about 10 years, making ,000 a year. I'm an accountant, and I make 0,000 a year. Considering the uniqueness of the situation, would it be easier for us to keep separate...Article Link

The FOX True Crime Podcast w/ Emily Compagno
SF Community Activist Charged With Four Separate Murders

The FOX True Crime Podcast w/ Emily Compagno

Play Episode Listen Later Jun 2, 2025 1:45


Learn more about your ad choices. Visit podcastchoices.com/adchoices

The WorkSAFE Podcast | Workplace Safety Strategies
Ep. 156: Separating Fact and Fiction | Busting 7 Common Work Comp Myths

The WorkSAFE Podcast | Workplace Safety Strategies

Play Episode Listen Later Jun 2, 2025 30:06


Many employers have misconceptions about how workers compensation actually works. Some don't understand what types of injuries are covered. Others aren't sure how claims impact their business - or how they can be involved in the process. These misunderstandings can lead to costly mistakes and missed opportunities to improve workplace safety. Separate work comp fact and fiction with Matt Speight, President and CEO of the Scott Agency.

Hays Christian Church
Separate (God's Love in Christ): Romans 8:31-39

Hays Christian Church

Play Episode Listen Later May 30, 2025 21:40


Pastor Cana opens to Romans 8:31-39, where Paul covers the theme of no separation from Christ's love. Nothing, which ever has been or ever could be, can separate us from Christ's love. We are called to recenter on the powerful, matchless love of Christ.

R Yitzchak Shifman Torah Classes
Parshat Bamidbar- Levi: Separate and Different

R Yitzchak Shifman Torah Classes

Play Episode Listen Later May 29, 2025 43:40


The Torah highlights the need for a separate and different count for the tribe of Levi, and in doing so teaches a historical message.

Awakening Now
Separate Self Is Impossible And This Is How You Can See It Too

Awakening Now

Play Episode Listen Later May 29, 2025 77:33 Transcription Available


Send me your thoughts in a Text MessageWork with me to find your way.https://bit.ly/3FfTu65Subscribe to my Newsletter for updates, gifts and to receive info about free monthly meetings on Zoom https://ilonaciunaite.com/subscribe/Music by Valdi Sabev, Visit his channel for more calm and relaxed music https://www.youtube.com/c/ValdiSabev/featured

MacMost - Mac, iPhone and iPad How-To Videos
Macs With Two+ Displays: Choose Windows Across Displays or Separate Spaces (MacMost #3296)

MacMost - Mac, iPhone and iPad How-To Videos

Play Episode Listen Later May 28, 2025


View this video at https://macmost.com/macs-with-two-displays-choose-windows-across-displays-or-separate-spaces.html. If you have more than one display and want to stretch a window across them, you may find the window only shows up on one display at a time. However, there is a switch that will allow this by changing how Desktop Spaces work.

The Coaching Equation
The Leadership Equation: Building High Performance Teams with Whitney Faires

The Coaching Equation

Play Episode Listen Later May 28, 2025 58:31


The Coaching Equation Podcast - Whitney Faires on The Courageous Leader Roadmap[01:05] From Division I Volleyball to Leadership Mastery Whitney's earliest leadership lessons came from coaches and teammates—discovering that transformation of the person, not just driving outcomes, is what makes leadership truly powerful and fulfilling.[03:26] Why "Squeezing the Juice" Always Backfires The single point of failure trap: when leaders micromanage for outcomes, they can't scale. Plus the hidden costs of the "churn and burn" mentality with VAs and team members.[05:57] The Metrics That Matter for Leadership Retention rates, engagement surveys, internal promotions, and productivity—plus the Gallup bombshell: 70% of employee engagement traces directly to their relationship with their direct leader.[09:12] The True Cost of Burning Through VAs Why "Google Doc and hope for the best" wastes more time than proper training. The game-changing question: "How do you like to learn things?" tailors your approach and builds lasting team members.[12:24] Ruthless Prioritization Under Fire When your business feels like chaos, Whitney's barometer: "If prioritization isn't hard, you're not really doing it." Choose quality over quantity, even when the house is on fire.[15:39] The Courageous Leader Roadmap: Step 1 Define Your Leadership Identity—create 5-7 leadership commitments that guide your decisions. Whitney's examples: "People First Always" and "Assume Best Intent" for navigating conflict.[19:19] Whitney's Leadership Commitments in Action Address the person before the employee. Stay curious instead of reactive. How defining your leadership identity becomes the ultimate form of accountability.[23:42] Who Do You Want to Be as a Leader? The reflection framework: Know your strengths and weaknesses, learn from your best and worst leaders, and answer the legacy question—what do you want people to say about your leadership 10 years from now?[28:26] Step 2: Connect to Inspire Connection isn't "soft"—it's strategic. Avoid the "franager" trap (friend + manager) while showing genuine interest beyond surface-level rapport. Leadership is done WITH people, not TO people.[35:24] Step 3: Activate Your Power Zone Your mental state is a choice, not chance. Leaders have a responsibility to show up optimally because there are "eyes on you"—your team mirrors how you handle pressure and adversity.[39:25] The Leadership Reality Check "If you don't want to serve the people you're leading... please don't be a people leader." Why doing it for money, title, or career mobility without genuine care for people's growth always fails.[43:25] Step 4: Execute with Resilience Turn struggle into strength through the adversity reframe process. Separate emotion from problem-solving while still processing feelings. You stand behind your people in the spotlight, but in front of them under fire.[47:22] Step 5: Fearless Communication Not being the loudest person or "live tweeting your inner monologue"—that's reckless. True fearless communication is speaking in spite of fear, having difficult conversations swiftly, and contributing your perspective even when uncomfortable.[51:38] The Ripple Effect of Great Leadership When teams watch you execute with resilience and view adversity as opportunity, organizational problems disappear. Personal responsibility becomes contagious, and performance dips become rare.[54:01] Skills vs. Self-Development Technical skills hit a ceiling—true leadership comes from developing yourself. Whitney's final mic drop: focus on internal development, not just external skills, to break through growth barriers.Connect with Whitney: www.whitneyfaires.com

Hacker Public Radio
HPR4388: BSD Overview

Hacker Public Radio

Play Episode Listen Later May 28, 2025


This show has been flagged as Clean by the host. Intro How I know BSD Very minimal NetBSD usage I'm am leaving out Dragonfly BSD Previous episodes Several by Claudio Miranda and others - check the tags page. hpr3799 :: My home router history hpr3187 :: Ansible for Dynamic Host Configuration Protocol hpr3168 :: FreeBSD Jails and iocage hpr2181 :: Install OpenBSD from Linux using Grub History and Overview https://en.wikipedia.org/wiki/History_of_the_Berkeley_Software_Distribution The history of the Berkeley Software Distribution began in the 1970s when University of California, Berkeley received a copy of Unix. Professors and students at the university began adding software to the operating system and released it as BSD to select universities. https://en.wikipedia.org/wiki/Comparison_of_BSD_operating_systems Comparisons to Linux Not better or worse, just different. BSD is a direct descendant of the original UNIX Not distributions - Separate projects with separate code bases. Permissive vs Copyleft One Project vs Kernel + User land Most Open Source software is available on BSD ports and packages Network Devices and DISKS will have different naming conventions. BE CAREFUL Distinctives FreeBSD Probably most widely used Base OS Commercial products Tightly integrated with ZFS Jails OS for Firewall appliances - PFSense and Opensense OpenBSD Focus on Code Correctness and Security Often First to develop new security methodologies - ASLR and Kernel relinking at boot Home of OpenSSH, ... Base includes Xorg and a minimal Window Manager The Best docs - man pages NetBSD Supports the most platforms pkgsrc can be used on any UNIX like. How I use BSD Home Router Recently migrated from FreeBSD to OpenBSD Better support for the cheap 2.5G network adapters in Ali express firewalls Workstations OpenBSD Dual boot laptop - missing some nice features - Vscode and BT audio OpenBSD for Banking NAS FreeBSD Was physical by migrated to Proxmox VM with direct attached drives Jails for some apps ZFS pools for storage My recommendations Router OpenBSD - Any BSD will work Opensense - similar experience to managing DD-WRT Thinkpads - OpenBSD Other laptops / PC - FreeBSD desktop focus derivative. ghost or midnight Servers/NAS FreeBSD ZFS Jails BSD is worth trying Dual booting is supported but can be tricky if unfamiliar. r Provide feedback on this episode.

Millennial Money
How to Untangle Your Identity from Your Finances: The Separation Process (Part 2)

Millennial Money

Play Episode Listen Later May 27, 2025 31:21


Welcome to Part 2 of one of the most important and personal episodes of Everyone's Talkin' Money. In Part 1, we exposed the damaging belief that your self-worth is tied to your net worth—and now, it's time to do something about it. In this episode, I walk you through my four-part Separation Process—a framework to help you shift from financial shame to clarity, resilience, and empowerment. You'll learn how to rewire the way you see yourself in relation to money, so you can stop letting your bank balance dictate your self-esteem and finally take back your financial power. You'll walk away with: The Separation Process:Step 1 – Separate the Math from the Meaning. Learn how to treat your finances as data—not a moral scorecard—so you can make money decisions without shame. Step 2 – Inventory Your Non-Financial Value. Make a list of 10 ways you add value to the world that have nothing to do with money—and keep it close for tough days. Step 3 – Redefine Success on Your Terms. Ditch society's hustle metric and reimagine what success looks like when it aligns with your values. Step 4 – Practice Compassionate Reality. Handle financial challenges with truth and grace, so you're solving problems—not attacking your own self-worth. Plus: The Worth Resume – a powerful tool to track the value you bring to the world that's not on a spreadsheet Self-Worth Buffers – five daily practices that build emotional resilience and protect your identity from financial stress Real-Life Scenarios – practical scripts and strategies for common situations where self-worth and money get tangled: We will discuss: Social comparison on Instagram Financial setbacks or mistakes (like missed payments) Saying “no” to spending you can't afford Having hard money convos with partners or family Even celebrating financial wins without letting them define you This episode is your emotional toolkit for making money decisions from strength, not shame. You are not your balance sheet—and today, we're putting that truth into action. Follow us on Instagram: @everyonestalkinmoney Create your Worth Resume and tag us using #WorthBeyondWealth Missed Part 1? Go back and start there—it lays the emotional groundwork for everything you hear today Learn more about your ad choices. Visit megaphone.fm/adchoices

EliElyah Radio
Master Your Finances: Secrets to Personal and Business Success!

EliElyah Radio

Play Episode Listen Later May 26, 2025 21:40


What you will learn:Take care of your own finances by budgeting, managing bills, and maintaining a strong personal credit rating.

St. Luke's OKC Sermons
"What Can Separate Us from Christ?" - Rev. Wendy Lambert - May 25, 2025

St. Luke's OKC Sermons

Play Episode Listen Later May 25, 2025 37:15


So Money with Farnoosh Torabi
1830: Ask Farnoosh: Separate or Joint Accounts? Invest or Save?

So Money with Farnoosh Torabi

Play Episode Listen Later May 23, 2025 25:09


Today's show offers financial advice for couples. Plus: How to manage savings versus investments?Download Farnoosh's free guide to Paris in 4 Days.

Law and Chaos
Ep 135 — Deadpool Teaches Civ Pro & Church And State Are Still Separate (For Now!)

Law and Chaos

Play Episode Listen Later May 23, 2025 57:37


It's been another wild week of injunctions, executive orders, and just plain insanity from the Trump administration. Then, we'll let Blake Lively and Justin Baldoni teach us about civil procedure. And for a deep dive, we discuss a surprising recusal from Justice Barrett that preserves what's left of the separation of church and state.   Links:   How Trump Officials Debated Handling of the Abrego Garcia Case: ‘Keep Him Where He Is' https://www.nytimes.com/2025/05/21/us/politics/trump-abrego-garcia-el-salvador-deportation.html   Judge James Ho Public Meltdown https://storage.courtlistener.com/recap/gov.uscourts.ca5.224134/gov.uscourts.ca5.224134.25.1.pdf   D.V.D. v. Department of Homeland Security [Docket via Court Listener] https://www.courtlistener.com/docket/69775896/dvd-v-us-department-of-homeland-security/   Somerville Public Schools v. Trump [Docket via Court Listener] https://www.courtlistener.com/docket/69778837/somerville-public-schools-v-trump   US v. McIver [Docket via Court Listener] https://www.courtlistener.com/docket/70317726/united-states-v-mciver/   Trump v. Wilcox [Supreme Court order granting stay] https://www.supremecourt.gov/opinions/24pdf/24a966_1b8e.pdf   Oklahoma Statewide School Board v. Drummond [Supreme Court per curiam order] https://www.supremecourt.gov/opinions/24pdf/24-394_9p6b.pdf   Lively v. Baldoni (SDNY) [docket via CourtListener] https://www.courtlistener.com/docket/69510553/lively-v-wayfarer-studios-llc/?filed_after=&filed_before=&entry_gte=&entry_lte=&order_by=desc&page=2   We Can Bury Anyone': Inside a Hollywood Smear Machine, New York Times https://www.nytimes.com/2024/12/21/business/media/blake-lively-justin-baldoni-it-ends-with-us.html   Show Links: https://www.lawandchaospod.com/ BlueSky: @LawAndChaosPod Threads: @LawAndChaosPod Twitter: @LawAndChaosPod  

Understand the Bible?  Pastor Melissa Scott, Ph.D.
Israel: Separate and Distinct from Judah, but Not Lost

Understand the Bible? Pastor Melissa Scott, Ph.D.

Play Episode Listen Later May 23, 2025 54:05


This is the 2nd consecutive message on laying the foundation to teach on the 144,000 in Revelation. In the Old Testament, God, through His prophets, foretold of the separation of Israel and Judah. Tracing the northern tribes of Israel through the Bible shows that they were not lost but scattered across the globe, and in the end times He will reunite them with Judah, fulfilling the prophecy in Revelation. The big picture shows how God will make good on His word and, unlike these people, we don't have to wait to be unified. We are one in Christ, and He is our refuge from the wrath to come. Watch, Listen and Learn 24x7 at PastorMelissaScott.com Pastor Melissa Scott teaches from Faith Center in Glendale. Call 1-800-338-3030 24x7 to leave a message for Pastor Scott. You may make reservations to attend a live service, leave a prayer request or make a commitment. Pastor Scott appreciates messages and reads them often during live broadcasts. Follow @Pastor_Scott on Twitter and visit her official Facebook page @Pastor.M.Scott. Download Pastor Scott's "Understand the Bible" app for iPhone, iPad and iPod at the Apple App Store and for Android devices in the Google Store. Pastor Scott can also be seen 24x7 on Roku and Amazon Fire on the "Understand the Bible?" channel. ©2025 Pastor Melissa Scott, Ph.D., All Rights Reserved

Cooking with Paula McIntyre
Cider Brined Pork Shoulder Chops with Grilled Apple and Walnut Salad

Cooking with Paula McIntyre

Play Episode Listen Later May 23, 2025 7:51


Recipe4 x 200g pork shoulder chops 200ml dry cider 500ml water 15g seasalt 30g brown sugar 1 teaspoon mustard seeds 1 clove garlic, smashed 2 sprigs fresh rosemary Place the cider, water, salt, sugar, mustard seeds, garlic and rosemary in a pan and simmer until sugar and salt have dissolved. Cool completely. Place the chops in a container and cover with the brine. Cover and chill overnight. Remove from brine and pat dry on kitchen paper.1 tablespoon oil 150ml dry cider 2 tablespoons Worcestershire sauce 1 tablespoon cider vinegar 1 tablespoon honeyBoil the cider, Worcestershire, vinegar and honey until reduced by half. Rub the oil on the chops and place on barbecue or hot pan. Cook for 2 minutes each side then lower the heat and brush with the glaze for another 3 minutes each side or until cooked through. Allow to rest for 5 minutes before slicing.Grilled apple and walnut salad 2 red eating apples Oil for brushing 75g walnuts toasted in a pan for a minute and coarsely chopped 2 red onions 1 little gem lettuce 200ml sour cream 100ml olive oil or good local rapeseed oil 2 tablespoons of chopped lovage or a mixture of chopped parsley and celery leaves Salt and pepper to taste Quarter and core the apples and brush with oil. Cook on the barbecue or grill pan to scorch and soften. Peel the onions, ensuring root intact and then cut in half through the root and into 3 wedges from each half. Brush with oil and cook on the barbecue until scorched and softened. Season with salt and pepper. Chop the apples and onions in half and toss in the walnuts. Whisk the sour cream and oil together and add the lovage or parsley mix. Season to taste and mix into the apple mixture. Separate the gem into leaves and arrange on a plate with the salt in the middle of them. Slice the pork and arrange around.

Dolphin Financial Radio
Retirement Spending Trends for Spouses with Separate Retirement Dates

Dolphin Financial Radio

Play Episode Listen Later May 23, 2025


Do spouses that retire at different times spend more or less in retirement? Does the decision of when each spouse retires really impact their level of spending? The study results we review in this show might surprise you.

Go(o)d Mornings with CurlyNikki
Come out from among them and be ye separate.

Go(o)d Mornings with CurlyNikki

Play Episode Listen Later May 22, 2025 11:20


The Rich Mind Podcast
The ONE Mindset Shift That Puts YOU in Control

The Rich Mind Podcast

Play Episode Listen Later May 22, 2025 28:41 Transcription Available


Are you tired of feeling like life is happening to you instead of for you?   This episode of the Rich Mind Podcast dives deep into the transformative power of taking 100% responsibility for every aspect of your life – your thoughts, beliefs, choices, and outcomes in health, wealth, and legacy.   Randy and Greg break down the empowering concept that responsibility is simply your "ability to respond."   Discover how shifting from a mindset of blame (blaming others, society, parents) to one of personal accountability can liberate you from the frustrating pursuit of certainty in an ever-changing world.   Learn to: Recognize and challenge programmed beliefs that limit your potential. Get in the "driver's seat" of your life, making conscious choices. Separate feelings from facts to make logical, empowered decisions (as Greg shares from his weight loss journey). Understand that "no one is coming to save you" – your success and well-being are in your hands. Apply these principles to your finances (challenging reliance on external systems like Social Security) and your health (questioning mainstream narratives). This episode is for anyone ready to stop being a passenger and start becoming an active creator of their own life.   If you're looking for hope, practical strategies to overcome the victim mentality, and the discipline to build a fulfilling future, this conversation is a must-listen.   Take responsibility, embrace your ability to respond, and start building the rich life you desire today.   Ready to take your life to the Next Level? If so, we have the Perfect Gift just for you. Head over to ➡️ https://www.richmind.co and grab the Ultimate Productivity Guide “Unleash Your Peak”   We'd Love to stay connected…Head over to richmind.co to grab all of our FREE resources as well as connect with us directly at info@richmind.co

The Bible Provocateur
Separate From The World (Part 2 of 4)

The Bible Provocateur

Play Episode Listen Later May 22, 2025 33:57 Transcription Available


Send us a textThe moment we choose to follow Christ completely, we're guaranteed to face a dilemma: standing firm in our faith often places us between a rock and a hard place. This powerful episode explores how the biblical account of Moses confronting Pharaoh mirrors our own spiritual struggles when the world offers attractive compromises to God's clear commands.When Moses refused Pharaoh's repeated attempts at partial compliance, he demonstrated the uncompromising obedience God requires. Today's believers face similar pressure points as we navigate relationships, career decisions, and cultural expectations that pull us away from complete surrender to Christ.We dive deep into what it truly means to be "unequally yoked with unbelievers" - a principle that extends far beyond marriage considerations to any significant partnership where believers and unbelievers attempt to work toward common goals with fundamentally different value systems. The yoking metaphor powerfully illustrates why these relationships inevitably create spiritual friction: a strong horse yoked to a slower cow prevents both animals from functioning effectively.The conversation takes a challenging turn when we examine 2 John 2:10-11, which commands believers not to welcome or even greet those who bring false doctrine. This sobering directive reveals how seriously God takes the issue of separation from those who oppose biblical truth - a standard few modern Christians fully embrace.Several participants share raw, honest testimonies about their own "Egypt moments" - times when God called them to leave behind relationships, comforts, or securities they had made into idols. While the process of separation often brings loneliness, the spiritual growth that emerges proves well worth the temporary discomfort.If you've ever wondered how to navigate difficult relationships, establish appropriate boundaries, or find courage to stand firm when everyone around you is compromising, this episode offers biblical wisdom and practical insights to strengthen your spiritual resolve. The path of complete obedience may seem difficult, but it leads to a deeper, more authentic relationship with Christ and ultimately connects you with others who share your commitment to unwavering faith.Support the show

The Bible Provocateur
Separate From The World (Part 3 of 4)

The Bible Provocateur

Play Episode Listen Later May 22, 2025 33:57 Transcription Available


Send us a textHave you ever noticed how becoming a Christian changes what you enjoy? That uncomfortable feeling when watching shows you once loved, or that moment when music you used to blast suddenly feels wrong? You're not alone.This raw, honest conversation explores the profound transformation that happens when the Holy Spirit begins changing us from the inside out. One participant shares how she hasn't watched television since 2020, finding news media spiritually overwhelming. Others describe how jokes they once laughed at, music they once loved, and entertainment they once consumed now feels "icky" to their spirit.The group tackles our cultural entitlement to entertainment—how we've convinced ourselves we deserve to be entertained and rationalize consumption with spiritual-sounding excuses: "God doesn't want us not to enjoy life" or "God gave that person the gift of singing." But as one participant bluntly states, "If the world loves it, you know it's bad."Drawing from 2 Corinthians 6:14, the conversation examines what it truly means to be "unequally yoked" and how understanding our identity as "light" and "righteousness" helps us navigate relationships with unbelievers. Should we maintain pre-conversion friendships? When should we distance ourselves? The group offers wisdom through personal experiences—you'll either influence others toward Christ or they'll influence you away from Him.Perhaps most powerful are the testimonies about surrendering worldly attachments. Many Christians fear asking God to remove desires, worried life will become joyless. Yet as participants share, "When you ask God to take something from you, He also gives you that desire to want no part of it anymore"—and replaces it with something far better.Ready to examine your own entertainment choices and relationships? Listen now and join the conversation about living set apart in an entertainment-saturated world.Support the show

The Bible Provocateur
Separate From The World (Part 4 of 4)

The Bible Provocateur

Play Episode Listen Later May 22, 2025 33:43 Transcription Available


Send us a textWhat happens when your spiritual growth requires letting go of certain relationships? This raw, honest conversation explores one of the most challenging aspects of the Christian walk – navigating relationships with those who don't share our faith or values.Drawing from James 4:4, which boldly states "friendship with the world is enmity against God," participants share personal experiences of creating boundaries with people whose values conflict with their faith journey. One woman describes the painful process of distancing herself from someone, only to discover her stand for purity ultimately inspired that person to reconsider their own choices.The discussion reaches its most passionate point when addressing how politics divides believers. "I've never seen Christians attack other Christians about anything in my entire life the way they have regarding politics," laments one speaker, calling it "the most pathetic thing I have ever seen." This powerful critique challenges us to examine whether our primary allegiance truly lies with the kingdom of Christ rather than earthly systems.A spirited debate also unfolds about Christian liberty versus compromise. While some suggest spending time with unbelievers provides witnessing opportunities, others strongly caution against participating in worldly activities that might compromise one's testimony or confuse younger believers.Throughout this thought-provoking conversation, we're confronted with the question: Are we willing to be distinctive, even unpopular, for the sake of our faith? As one participant notes, when people discover your commitment to Christ, "you ain't going to have to run them off. They'll run themselves off." This natural separation that occurs when believers truly live out their faith without compromise may be precisely what Jesus meant when he said his followers would be "in the world but not of it."Support the show

The Bible Provocateur
Separate From The World (Part 1 of 4)

The Bible Provocateur

Play Episode Listen Later May 22, 2025 34:08 Transcription Available


Send us a textMoses stood before Pharaoh with an unwavering message: "We cannot sacrifice to our God while remaining in Egypt." This profound exchange reveals a timeless spiritual principle that cuts straight to the heart of authentic faith.Nestled within Exodus 8:25-28, we discover Pharaoh's seemingly reasonable compromise offer during the plagues: "Go, sacrifice to your God in the land." On the surface, this appears generous – permission to worship while remaining comfortable in familiar surroundings. Yet Moses recognized the impossibility of this arrangement. True worship required complete separation, a three-day journey into the wilderness where genuine sacrifice could occur without contamination from Egyptian influences.This ancient standoff perfectly mirrors our modern spiritual battleground. The world rarely demands we abandon our faith entirely – it simply suggests we practice it within boundaries that don't disrupt the status quo. "You can follow God, just don't take it too far," whispers our contemporary Pharaoh. These subtle compromises feel reasonable but fundamentally undermine our devotion to God's clear commands.What's your "Egypt" today? Perhaps it's entertainment choices that slowly desensitize your spirit, relationships that pull you away from wholehearted commitment, or a reluctance to fully surrender certain areas to God's authority. The most dangerous influences aren't always the most obvious ones – they're often the compromises we've justified as acceptable that gradually erode our spiritual vitality.Moses' insistence on complete obedience rather than convenient compromise invites us to examine our own lives. Are we attempting to blend worldly values with Kingdom principles? Have we settled for sacrificing "in the land" when God is calling us to a deeper, more separated devotion? The invitation stands today: leave your Egypt behind and experience the freedom of undivided worship in the wilderness where God awaits.Support the show

The Josh Hall Web Design Show
380 - Walkthrough of my 15k website proposal (real world paid example)

The Josh Hall Web Design Show

Play Episode Listen Later May 21, 2025 24:54 Transcription Available


Here's a walk through of one of my real world, paid 15k web design proposals. I walk you through what I included, how I structured it and the 3 keys I recommend that every web design proposal have.This audio is taken from a recent video I posted on my YouTube channel so I highly recommend checking out the video version if you'd like to see all the visuals!⏯️ Watch the video version hereAnd you share your thoughts, feedback and questions at the show notes for this one which will be at joshhall.co/380Quick tips:Web proposals don't need to be complex PDF brochures to be effective—they need to clearly communicate goals, deliverables, and pricing to help clients make decisions quickly.• Website proposals should focus on three key elements: goals and expected results, a simple outline of deliverables, and clear costs presented as investments• The most effective proposals are scannable documents of 2-3 pages, not 20-page brochures that overwhelm clients• Include 10-15 high-level deliverables rather than an exhaustive checklist of every task you'll perform• Separate core website development from add-on services like SEO boosts or e-commerce functionality to create clear line items• Consider your proposal's audience—often they need to share it with CEOs or boards who need to quickly understand what they're approving• Real examples of successful proposals show consistent structure across different project sizes, from $4,000 to $15,000• Payment schedules should be clearly outlined with 50% upfront for smaller projects or 30/30/40 splits for larger ones

This Week in the CLE
Today in Ohio - May 21, 2025 Suddenly, Ohio has two separate proposals for online casino-style gambling

This Week in the CLE

Play Episode Listen Later May 21, 2025 34:42


More and more voices are lining up behind the Browns Brook Park proposal Learn more about your ad choices. Visit megaphone.fm/adchoices

Video Marketing Value Podcast from HEY.com
Should you do YouTube Ads on a separate channel?

Video Marketing Value Podcast from HEY.com

Play Episode Listen Later May 20, 2025 8:55


So here's the big question for today. Should you run your YouTube ads on a separate channel? Now, why am I asking that? Believe it or not, some advertisers run their YouTube ads on a separate channel from their regular YouTube channel, their regular organic videos, meaning they're not paid ads. But let's dive deeper to get a fuller answer...✅ SUBSCRIBE TO PODCAST

separate dane golden
How it Happens with Colin Cook
P147_052025 Rom. 8:37-39 Nothing In All The World Will Separate Us From The Love Of God

How it Happens with Colin Cook

Play Episode Listen Later May 20, 2025 13:36


The Mike Charleston Show
Is There A Time For Believers To Separate?

The Mike Charleston Show

Play Episode Listen Later May 19, 2025 49:11


This is season 5. In this episode, Mike Charleston is joined with Chuck Tate. This week, they discuss reasons why christians stay away from each other. Some times there are biblical reasons, but most of the time its just because we don't want to deal with the issues. How important is it for christians to get along anyway? They have their daughter Elisabeth join them for the segment "trivia". Also, Sarah's song of the week.If you want to ask a question or make a comment:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Talk@fellowshipofbelievers.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or record a voice message⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://anchor.fm/mike-charleston/messag⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sarah's new book⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"You Can Run in Flip-Flops, But Is That the Best Way"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out the website at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.fellowshipofbelievers.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠To watch Every Step go here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/watch?v=Eh8dX0VUPJw&t=s&ab_channel=RebekahCharleston⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or watch it here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find the show on:Apple, Spotify, Anchor, Breaker, Google, Pocket Cast, RadioPublic, Audible, and now on YouTube

Insiders
'Two separate party rooms': Liberals and Nationals still thrashing out Coalition agreement

Insiders

Play Episode Listen Later May 18, 2025 55:38


The Dana & Parks Podcast
D&P Highlight: Diddy trial continues & the woman accused in connection to the death of Adan Manzano gets prison time in a separate case.

The Dana & Parks Podcast

Play Episode Listen Later May 15, 2025 6:42


D&P Highlight: Diddy trial continues & the woman accused in connection to the death of Adan Manzano gets prison time in a separate case. full 402 Thu, 15 May 2025 18:58:00 +0000 Xb2QRBnsLOooRhwHYALDtQkAXiaB9oei news The Dana & Parks Podcast news D&P Highlight: Diddy trial continues & the woman accused in connection to the death of Adan Manzano gets prison time in a separate case. You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News

Divorce Master Radio
How to Separate Finances and Untangle Shared Accounts Smoothly? | Los Angeles Divorce

Divorce Master Radio

Play Episode Listen Later May 15, 2025 2:01


Fightback
Will Alberta Separate?

Fightback

Play Episode Listen Later May 15, 2025 56:44


The re-election of the Liberals has led to a resurgence of the separatist movement in Alberta. Some polls place support for independence as high as 37 per cent and it looks like a referendum will take place next year. This week, Joel is joined by Rob Lyon to discuss why this is happening and the Communist approach to this question.If you agree with our ideas and want to fight for communism, join us! https://www.marxist.ca/join

WSJ What’s News
Tariffs Are About to Separate Retail's Winners and Losers

WSJ What’s News

Play Episode Listen Later May 14, 2025 15:48


A.M. Edition for May 14. We head to a gathering of top global retailers to hear why this week's 90-day tariff rollback by the U.S. and China isn't delivering the long-term certainty businesses are looking for. Plus, President Trump met with the new president of Syria, marking a major turning point in global recognition of the country's leadership. And the U.S. reverses Biden-era export controls on advanced AI chips. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Crosswalk.com Devotional
Nothing Can Separate You from God's Love

Crosswalk.com Devotional

Play Episode Listen Later May 10, 2025 5:28


Ever felt like God is distant or silent in your struggles? Megan J. Conner reminds us of the powerful truth from Romans 8: absolutely nothing can separate us from God’s love. Whether you’ve drifted through busyness, pain, or doubt, God’s presence remains constant and faithful.

Thoughts on the Market
Munis: Tax-Free Income in Times of Stress

Thoughts on the Market

Play Episode Listen Later May 5, 2025 9:27


Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Market values can change daily due to economic and other events (e.g., natural disasters, health crises, terrorism, conflicts, and social unrest) that affect markets, countries, companies or governments. It is difficult to predict the timing, duration, and potential adverse effects (e.g., portfolio liquidity) of events. Accordingly, you can lose money investing in a portfolio. Fixed-income securities are subject to the ability of an issuer to make timely principal and interest payments (credit risk), changes in interest rates (interest rate risk), the creditworthiness of the issuer and general market liquidity (market risk). In a rising interest-rate environment, bond prices may fall and may result in periods of volatility and increased portfolio redemptions. In a declining interest-rate environment, the portfolio may generate less income. Longer-term securities may be more sensitive to interest rate changes. An imbalance in supply and demand in the municipal market may result in valuation uncertainties and greater volatility, less liquidity, widening credit spreads and a lack of price transparency in the market. There generally is limited public information about municipal issuers. Income from tax-exempt municipal obligations could be declared taxable because of changes in tax laws, adverse interpretations by the relevant taxing authority or the non-compliant conduct of the issuer of an obligation and may subject to the federal alternative minimum tax.There is no guarantee that any investment strategy will work under all market conditions, and each investor should evaluate their ability to invest for the long-term, especially during periods of downturn in the market.A separately managed account may not be appropriate for all investors. Separate accounts managed according to the particular strategy may include securities that may not necessarily track the performance of a particular index. Please consider the investment objectives, risks and fees of the Strategy carefully before investing. A minimum asset level is required. For important information about the investment managers, please refer to Form ADV Part 2.The views and opinions and/or analysis expressed are those of the author or the investment team as of the date of preparation of this material and are subject to change at any time without notice due to market or economic conditions and may not necessarily come to pass.This material has been prepared on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. 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No Stupid Questions
20. Should We Separate the Art From the Artist?

No Stupid Questions

Play Episode Listen Later May 4, 2025 32:44


Also: what is the meaning of life? This episode originally aired on September 27, 2020.