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In this episode of Owned and Operated, John Wilson and Jack break down what “smart investing” actually looks like for home service operators—starting with the truth most owners miss: if you run a business, you're already an investor. You're investing money, attention, and people every day.They start with a practical framework for P&L investing (software, headcount, SG&A): if your business sells for a multiple, then any new expense should produce a return that justifies that multiple—otherwise, you may be quietly reducing enterprise value.From there, they unpack the difference between balance sheet investments (trucks, equipment, inventory) vs P&L investments, why banks and buyers mostly care about EBITDA, and how focusing on fewer initiatives can drive more profitable growth.Then they shift into the “outside the business” conversation: when diversification helps, when it's a distraction, and how operators can think in two buckets—cash-flow assets that fund life, and enterprise-value assets that build wealth.If you're adding software, hiring leaders, buying equipment, or debating real estate vs reinvesting in the core business—this episode gives you a clean way to think about ROI, focus, and capital allocation.What You'll LearnWhy every operator is an investor (capital, people, and attention allocation)A simple rule for P&L expenses: should this generate a 3x+ return based on your business multiple?The difference between investing on the balance sheet vs the P&L
238 - Jeremy Pinnell In episode 238 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with singer, guitarist and songwriter Jeremy Pinnell. In their conversation Jeremy discusses his home in Southgate, Kentucky and his son, who's 11. Jeremy tells us about starting guitar at 13 and watching his dad in the church band while he was a kid and not being able to listen to secular music and his first musical purchase being the Sex Pistols album. Jeremy describes starting on his dad's Ovation guitar eventually getting a Cort guitar and Gorrilla amp before getting a Fender Paisley Strat and he tells us of his love of Telecasters and using .13 gauge strings and his Harmony that he bought from JD Simo. Jeremy discusses his tour schedule playing both solo and with a band. Jeremy tells us how he got hooked up with Shooter Jennings who produced Jeremy's most recent album “Decades”. Finally Jeremy describes what he does for fun: Ju Jitsu and Kick boxing and Jeremy tells us about his Christmas traditions. To find out more about Jeremy you can go to his website: jeremypinnell.com Please subscribe, like, comment, share and review this podcast! #JeremyPinnell #ShooterJennings #Decades #VintageGuitarMagazine #JDSimo #HarmonyGuitars #FenderTelecaster #JamesPatrickRegan #theDeadlies #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link
237 - Ward Davis In episode 237 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with singer, songwriter and guitarist Ward Davis. In their conversation Ward discusses where he currently lives, Hartsville Tennessee and where he grew up Arkansas and starting on the piano at 6 years old and moving to guitar at 14 after losing at the county fair talent show to a guitar player and then started playing jamborees around the area he lived in. Ward tells us about the shows he's doing now supporting Cody Jinks with his band and his own shows. Ward tells us about his guitars, Larrivee's outfitted with either Fishman or L.R. Baggs pickups and he discusses his telecaster's built by 9 Point Guitars in Louisiana. Ward discusses how he got hooked up with Cody Jinks in the first place and how he got his songs in front of Willie Nelson and Merle Haggard and gives us a lesson in the economics of songwriting. Ward talks about using an alias (Dusty Manchester) at writers rounds to avoid the radius clause. Ward tells us about his new album “Here I Am” which comes out in February and he tells us about working with Brent Mason, Eddie Bayers among others and landing tracks on the Landman TV series. Ward describes why he chose to be on a label as opposed to releasing his album independently. Ward discusses his upcoming tour schedule after the holidays. Finally Ward tells us about collecting historical documents and books from the 1800's and his love of thrift stores and his relationships and sobriety. To find out more about Ward you can go to his website: warddavismusic.com Please subscribe, like, comment, share and review this podcast! #WardDavis #CodyJinks #HereIAm #VintageGuitarMagazine #Landman #DustyManchester #LarriveeGuitars #9PointsGuitars#lrbaggs #JamesPatrickRegan #theDeadlies #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link
236 - the Protomen (Raul Panther III and Shock Magnum) In episode 236 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with Raul Panther III and Shock Magnum from the Protomen. In their conversation the two tell us about their history with band which has been around since 2005 and has quite the ravenous fan base. Both Raul and Shock tell us about their roles in the band both playing guitar and Raul singing lead and playing keyboards as well. They both talk about their base which is Nashville and where the grew up and Raul tells us about singing at an early age backing John Denver and Shock tells us about learning guitar from his brother. Raul takes us through the history of the band which started as a project from fellow MTSU students and the two tell us about their songs that have been used in tv shows and commercials and they talk about what venues they usually play. Raul and Shock discuss the Protomen's new album “Act III: This City Made Us” and they talk gear: Shock's Gibson's and Orange amps and Raul's Tom Anderson Raven through a Kemper profiler. The two tell us about what they do outside of music: family and working in the garage. To find out more about the Protomen you can go to their website: protomen.com Please subscribe, like, comment, share and review this podcast! #theProtomen #RaulPantherIII #ShockMagnum #ActIIIThisCityMadeUs #VintageGuitarMagazine #TomAndersonGuitars #GibsonGuitar #OrangeAmps #JamesPatrickRegan #KemperProfiler #MTSU #theDeadlies #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link
Tales of Three Campaign OneArc 2.1 OladellEpisode 65: Ghosts and Grim ReapersWith some help from the town, our trio finally gets the piericor out of the dam and riding the high of their success they rush off to work on fixing the structural damage. While Véres and Velrith put the gears back in place, Elara tries to get others to see the vision she saw of Lyca, which results in Ivy seeing some ghosts. Content Warnings: Deep Water, Emotional Distress, Fantasy Violence, Gore, and ProfanityTales of Three is an all-queer, dark fantasy dnd podcast where your three Game Masters are also your three Players!If you like what you hear please tell your friends about us & consider giving us a 5 star review! It's a quick and easy way to show your support for small creators whose content you enjoy! Follow the Cast:Arianna as Elara SpinelsparkDusty as Ivy Nightbreeze- Tinkerfey Wayra as Véres Find our socials here! Want to chat with the cast, talk spoilers, play games, and make new friends? Join our Discord! If you want to help keep the podcast running and get access to bonus content check out our Patreon!Buy us a coffee on Ko-fi! Special thanks to SG for the theme music, Chriss for the logo, Fenn & Ely for the character art! Background music and SFX by Epidemic Sounds & Monument Studios This week we're featuring our friends at The Thornefiles Podcast. Check out their podcast here!
www.linktr.ee/truthstreamhttps://rumble.com/user/QNewsPatriotLife Wave link https://liveyounger.com/truthstream
We are thrilled to welcome Brian Markinson to explore his role as the Enkaran Lotan from SG-1's "Scorched Earth" and spend time discussing his career!
Send us a textIt's our last show for the year and we are looking forward to a break after an intense year of news! Why not do yourself a favour and join us, because we are going to tackle the issue of loneliness in our societies and its impact, as we welcome one of the world's leading experts on the topic. With the festive season coming up, loneliness is an issue that impacts one in six people, so we're going to dig into the science including the numbers and impact, why social cohesion is so important, we'll split it out over demographics, as well as the difference between males and females, and most importantly, what we can do to overcome our loneliness challenges.Then it's onto 2025. We are going to discuss the major events that happened this year, many of which we've already forgotten about as the next extreme event or news cycle chaos hit. We'll go through the major extreme weather events across the world and the impact on communities, we'll talk politics as we're nearly a year into the Trump Presidency and well, it's been a rollercoaster in its own right, we will discuss the economy, AI, social media, and a whole lot more!Our final guest for the year is Simone Heng. An award-winning author, Certified Speaking Professional, and Board Member for the Foundation for Social Connection, Simone helps organisations embed connection to drive performance, productivity and retention, and in the world of rapid AI advancement, her message is more important than ever. She first published the ‘Secret Pandemic: The Search for Connection in a Lonely World', which was re-worked into ‘Let's Talk About Loneliness” and published by Hay House Publishing in 2023. This book has gone on to win six awards, including a silver Nautilus book award, and suffice to say, we're delighted she is joining us. Not only is this another show you can't miss, it's also our last for 2025, so come and get your yearly recap, because it's certainly been a big year in the news on many levels. It's all happening this Friday 12th December 2025, 7am UK, 8am EU, 11am UAE, 2pm TH, 3pm SG, 6pm AEST. Streaming across various locations, and no doubt about it, we'd love your support. The Sh*t Show is a Livestream happening every Friday, where Andrea T Edwards, Dr. David Ko, Richard Busellato and Joe Augustin, as well as special guests, discuss the world's most pressing issues across all angles of the polycrisis, working to make sense of the extremely challenging and complex times we are all going through, plus what we can do about it. Help us move the needle so we can change the name of the show to something more genteel when (or if) it is no longer a sh*t show. #TheShitShow #UncommonCourageTo get in touch with me, all of my contact details are here https://linktr.ee/andreatedwards My book Uncommon Courage, an invitation, is here https://mybook.to/UncommonCourage My book 18 Steps to an All-Star LinkedIn Profile, is here https://mybook.to/18stepstoanallstar
235 - Old Crow Medicine Show (Ketch Secor and Mike Harris) In episode 235 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host, James Patrick Regan speaks with Ketch Secor and Mike Harris from the Old Crow Medicine Show about their new Christmas album “OCMS XMAS” and their Christmas tour that's happening now they also talk about a Christmas single they released a few years ago, the tour ends at the Ryman on New Year's Eve. James talked to Ketch in episode 197 about the history of the band. Mike tells us about his entrance in to the band and briefly describes his history before that and how a one off novelty act “the Anal Beatles” led to his introduction to Ketch. The two discuss what they do for Christmas which includes Christmas decorations hi powered egg nog and model trains. Mike and Ketch discuss their instruments for the album and tour and what they have at home as well and Ketch tells us about “junkin”, searching for treasures and old instruments while on tour and the two tell us where they get their instruments repaired. The two tell us about a couple of early Christmas memories they have which involve their grandfathers that they immortalized in a song called “Grandpa's Gone”. To find out more about Old Crow Medicine Show you can go to their website: crowmedicine.com Please subscribe, like, comment, share and review this podcast! #KetchSecor #OldCrowMedicineShow #OCMSXMAS #VintageGuitarMagazine #GrandpasGone #MartinGuitars #ChristmasAlbum #JamesPatrickRegan #MikeHarris #AnalBeatles #theDeadlies #haveguitarwilltravelpodcast #HGWT #TourLife Please like, comment, and share this podcast! Download Link
Hey YC Online! Sermon notes: https://static1.squarespace.com/static/592f36b4d1758e4fdf70080e/t/693208a22a6c9b6d0739a454/1764886690647/SG+12_06_25+ADVENT+%232+Week+2.pdf ABOUT YOSEMITE CHURCH: Our mission is meeting people where they are and loving them to where Christ wants them to be. Yosemite Church wants to help you find your next step. Find locations, videos, and more info about us at https://yc.church/ or download the Yosemite Church app. NEXT STEPS: Have you made a decision to follow Jesus? You may be wondering what's next on your journey. We want to help! Let us guide you to your next steps in your walk with Christ: https://yc.church/baptism GIVE ONLINE: https://pushpay.com/g/yosemitechurch FIND US ON SOCIAL MEDIA: https://www.facebook.com/yosemitechurch https://www.instagram.com/yosemitechurch/ All music performed under CCLI Licenses: 6010 and CSPL028666
Mitchell wartet auf die nächste Mission, die ihn zum 200. Mal durch das Gate führt. Dann taucht plötzlich Martin Lloyd auf. Er will einen Film machen und bittet SG-1 um Hilfe beim Drehbuch. Deutsche TV-Premiere Mi. 15.08.2007 RTL II Original-TV-Premiere Fr. 18.08.2006 Showtime
Featuring an interview with Dr Priyanka Sharma, including the following topics: Endocrine therapy for hormone receptor-positive, HER2-negative high-risk localized breast cancer (0:00) Johnston SR et al. monarchE: Primary overall survival (OS) results of adjuvant abemaciclib + endocrine therapy (ET) for HR+, HER2-, high-risk early breast cancer (EBC). ESMO 2025;Abstract LBA13. Durvalumab in combination with neoadjuvant chemotherapy for localized triple-negative breast cancer (TNBC) (3:25) Loibl S et al. Durvalumab in combination with neoadjuvant chemotherapy in early triple-negative breast cancer (TNBC) – Long-term analysis from the GeparNuevo trial. ESMO 2025;Abstract 292MO. Efficacy and safety findings with TROP2-directed antibody-drug conjugates for metastatic TNBC (5:11) Cortés JC et al. Primary results from ASCENT-03: A randomized phase III study of sacituzumab govitecan (SG) vs chemotherapy (chemo) in patients (pts) with previously untreated advanced triple-negative breast cancer (TNBC) who are unable to receive PD-(L)1 inhibitors (PD-[L]1i). ESMO 2025;Abstract LBA20. de Azambuja E et al. Patient-reported outcomes (PROs) with sacituzumab govitecan (SG) + pembrolizumab (pembro) vs chemotherapy (chemo) + pembro in patients (pts) with previously untreated PD-L1+ metastatic triple-negative breast cancer (mTNBC) in the phase III ASCENT-04/KEYNOTE-D19 study. ESMO 2025;Abstract LBA22. Dent R et al. First-line (1L) datopotamab deruxtecan (Dato-DXd) vs chemotherapy in patients with locally recurrent inoperable or metastatic triple-negative breast cancer (mTNBC) for whom immunotherapy was not an option: Primary results from the randomised, phase III TROPION-Breast02 trial. ESMO 2025;Abstract LBA21. CME information and select publications
Massenentlassungen, BIP-Rückgang und viel Unsicherheit: Die Schweizer Wirtschaft kämpft mit Problemen. Aus der Politik werden einerseits Forderungen nach einer Entlastung der Unternehmen laut. Andererseits kritisieren die Gewerkschaften die stagnierenden Löhne. Was ist zu tun? Die Schweizer Wirtschaft steht unter Druck. Die kürzlich publizierten Zahlen des Staatssekretariats für Wirtschaft (Seco) zeigen: Das Bruttoinlandprodukt ist im dritten Quartal 2025 um 0,5 Prozent gesunken. Gleichzeitig streichen grosse Firmen wie Novartis, Selecta oder Nestlé insgesamt mehrere hundert Stellen in der Schweiz. Was ist los mit der Schweizer Wirtschaft? Ist die Talsohle erreicht oder ist ein weiterer Rückgang der Wirtschaftsleistung zu befürchten? Und welche Rolle spielt dabei der Zollstreit mit den USA? Die Entwicklungen beeinflussen nicht nur die Arbeitslosenquote, sondern auch die Löhne. Der Gewerkschaftsbund fordert, dass es bei den Löhnen aufwärts geht. Der Arbeitgeberverband warnt: Es brauche Augenmass bei der Lohnrunde. Doch wie steht es tatsächlich um die Kaufkraft der Angestellten? Nimmt sie zu oder ab? Bund will Unternehmen entlasten Der Bundesrat hat vergangene Woche ein Paket von 28 Massnahmen verabschiedet, das zur regulatorischen Entlastung der Unternehmen führen soll. Zu den Massnahmen gehören unter anderem Entlastungen bei der Anmeldung von Kurzarbeit oder im Bereich der Mehrwertsteuer, der Verrechnungs- und der Stempelsteuer. Macht der Bund genug für die Unternehmen oder muss er die Bürokratie weiter abbauen? Und wie steht es um die Angestellten? Gemäss der Gesundheitsbefragung 2025 der CSS fühlen sich 69 Prozent der Befragten häufig erschöpft und müde. Muss die Politik Arbeitnehmende stärker schützen? Zu diesen Fragen begrüsst Sandro Brotz am 5. Dezember 2025 in der «Arena»: – Franziska Ryser, Nationalrätin Grüne/SG; – Benjamin Giezendanner, Nationalrat SVP/AG; – Daniel Lampart, Chefökonom Schweizerischer Gewerkschaftsbund; und – Stefan Brupbacher, Direktor Swissmem.
234 - Jake Shimabukuro (II) In episode 234 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host, James Patrick Regan speaks again with ukulele master Jake Shimabukuro. They spoke in the lobby of the hotel he was staying at, please excuse the noise. In their conversation Jake tells us about his new Christmas album with a lot of collaborations including Jimmy Buffet, Michael McDonald and Yo-Yo Ma to name a few and his holiday tour that's happening now. Jake talks about his childhood Christmas's in Hawaii and his relationship with ukulele builder Kamaka and Jake's signature ukulele. Jake describes his early influences including Herb Ohta Sr. and Eddie Kamae. Jake tells us about his singer and guitarist in the band Justin Kawika Young his longtime bassist, Jackson Waldhoff. Jake describes his relationship with other Hawaiian artists like Keola Beamer, John Keawe and Ledward Ka'apana to name a few. Jake discusses the business side of his career and tells us about his favorite Hawai'ian island. Jake talks about a couple projects he's working on for the future including a tribute album to George Harrison and his new love of slide ukulele. To find out more about Jake and his Christmas album and tour you can go to his website: jakeshimabukuro.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #JakeShimabukuro #Kamaka #TistheSeason #JimmyBuffet #JamesPatrickRegan #KamakaUkulele #YoYoMa #MichaelMcDonald #theDeadlies #ChristmasMusic #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link
Titre de l'épisode /Podcast Horreur:CHRONIQUE : Stargate, le seul espoir de la Science-Fiction ? (Amazon/MGM)Description :Depuis la fin de The Expanse, l'espace est vide. Le silence est assourdissant.Mais un géant dort, et Amazon détient désormais les clés de son réveil.Dans cette Chronique de l'Ombre, Chandleyr s'attaque à un monument : STARGATE.Alors que les rumeurs d'un reboot piloté par Martin Gero enflent, nous posons la question qui fâche : avons-nous besoin d'une nouvelle série Stargate, ou est-ce simplement notre seule chance de sauver le Space Opera ?
JakeDumpin is swaddling you with video game goodness, just let it happen. The Dumpster Boy guides us through episode 186 discussing Metroid Prime 4 Beyond, Geoff Keighley's secrets, and JakeTwitchin is going to guess where previous Game Awards winners landed on the Spotlight Games Top 100, as decided by you, the audience, 86 episodes ago. Timecodes What we're playing - 3:50 Metroid Prime 4 Beyond review roundup - 12:35 Geoff Keighley has SECRETS - 23:00 JakeTwitchin guesses SG's Top 100 - 27:47 Follow us! www.dropindropoutpod.com Bluesky, YouTube, IG, Threads and TikTok @spotlightgamespod Twitch.tv/spotlightgamespod Join our discord! https://discord.gg/Vxvp2sX64Z Email the show: mail@spotlightgames.net RSS Feed: https://spotlightgames.libsyn.com/rss Spotlight Games Theme by Chike Okaro @bassicfun Thanks for listening!
In this episode I'm joined by Kim Heironymous, education manager at AustralianSuper, to talk all things superannuation and how to get engaged with your superfund for the benefit of your future self. Highlights: Understanding how super contributions work How you can make up for years of low/no super How spousal splitting and co-contributions can help you level the super playing field in your relationship The impact of small additional contributions Small ways you can take steps towards a better retirement Take your Super Snapshot here to see how you’re tracking! - Disclaimers: If you’re considering making a decision about AustralianSuper, please read the relevant PDS and TMD available at www.australiansuper.com. Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. AustralianSuper modelling projections show a high school graduate who starts their retail career at 18yo and earns 12% SG on their Ordinary Times Earnings (OTE) of $56,000 throughout their working life can expect a balance of $556,000 when they retire at 67. At 20yo, they change their investment option from Balanced to High Growth. They continue to earn 12% SG on their OTE of $56,000 throughout their working life. By changing their investment option, they can now expect a balance of $641,000 when they retire at 67 – that’s $85,000 more than if they hadn’t taken action. The projection is only an estimate and isn’t a guarantee. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Assumptions: Calculations at September 2025. Salary as per General Retail Industry Award (Retail Employee Level 4) 1 at 25 June 2025. Salary indexed at 3.5% pa. AustralianSuper administration fees of $1 pw and 0.10% of account balance (capped at $350 pa) and AustralianSuper average insurance costs of $450 p.a. Assumes member will receive a tax benefit of 15% on any administration fees and any insurance fees deducted directly from the account. Investment returns projected over the working lifetime are 6.5% p.a. for the Balanced option and 7.0% p.a. for the High Growth option, net of fees and applicable taxes. SG contributions are 12% pa from 1 July 2025. Assumes member works full-time throughout the projection period with no career breaks. See omnystudio.com/listener for privacy information.
NIO reported November 2025 deliveries of 36,275 vehicles on December 1, 2025, representing the company's second-highest monthly total on record behind October's 40,397 units. This marks a 76.31 percent increase year-over-year but a 10.20 percent decline month-over-month. With Q4 delivery guidance of 120,000 to 125,000 vehicles, this episode analyzes whether NIO can still achieve its first quarterly profit in Q4 2025.Breaking down November deliveries by brand reveals divergent trends. The NIO main brand delivered 18,393 vehicles, up 18.72 percent year-over-year and up 7.29 percent month-over-month, marking four consecutive months of growth driven by strong ES8 demand. Onvo delivered 11,794 vehicles, up 132.07 percent year-over-year but down 31.99 percent from October's 17,343 units. Firefly achieved a record 6,088 deliveries, up 2.98 percent month-over-month, representing the third consecutive month of record-breaking performance.The sharp decline in Onvo deliveries reflects the impact of phased-out vehicle trade-in subsidies across multiple Chinese provinces and cities. NIO founder William Li stated during a November 26 media briefing that the abrupt withdrawal of trade-in subsidies significantly impacted the market in ways the industry hadn't anticipated, leading to a sharp decline in new orders across the sector. Li noted all models except the NIO ES8, Firefly, and upcoming ET9 have been affected by these policy changes.With October and November combined deliveries of 76,672 vehicles, NIO needs to deliver between 43,328 and 48,328 vehicles in December to meet Q4 guidance of 120,000 to 125,000 total units. December 2024 saw NIO deliver 50,045 vehicles, setting a monthly record at the time. Matching that performance while Onvo faces a 32 percent month-over-month decline presents a significant challenge.Analyzing Q4 profitability potential using the delivery numbers: if NIO achieves 117,000 to 121,000 Q4 deliveries at an average selling price around 280,000 REN mixing ES8, Onvo, and Firefly, revenue would total approximately 32.76 to 33.88 billion REN, aligning with management guidance of 32.76 to 34.04 billion REN. With management targeting approximately 18 percent vehicle margin for Q4 and ES8 margins exceeding 20 percent, gross margin at company level of 15-16 percent would generate 4.9 to 5.4 billion REN in gross profit. Against quarterly operating expenses of approximately 6.2 billion REN including 2 billion REN R&D and 4.2 billion SG&A, this suggests an operating loss of 800 million to 1.3 billion REN unless ES8 over-delivers, SG&A comes in lower than expected, or other income sources like swap network revenue contribute more significantly.From January to November 2025, NIO Inc delivered 277,893 vehicles total, representing 45.62 percent year-over-year growth and achieving 63.15 percent of the 440,000 annual target. The NIO main brand delivered 146,909 vehicles during this period, down 18.65 percent year-over-year. Onvo delivered 98,654 vehicles since beginning deliveries in September 2024, while Firefly has delivered 32,330 vehicles since launching in April 2025.Competitive context shows significant industry reshuffling. Leapmotor delivered 70,327 vehicles in November, achieving its 500,000 unit annual target 45 days early and targeting 1 million units for 2026. XPeng delivered 36,728 in November, having already met its 350,000 annual target in October. Li Auto delivered only 33,181 vehicles in November, down 31.9 percent year-over-year, achieving just 56.5 percent of its revised 640,000 unit target. HarmonyOS delivered over 80,000 vehicles in November with 513,000 year-to-date against a 1 million unit target. Xiaomi Auto exceeded 40,000 November deliveries and surpassed 500,000 cumulative deliveries, exceeding its initial 350,000 annual target.NIO's strategic shift emphasizes operational quality over sales volume with the core goal being annual profitability.
Episode Summary: In this episode of the Solar Maverick Podcast, Benoy sits down with Rob Sternthal, Managing Director at Expedition Infrastructure Partners, to break down how investors evaluate solar platforms and development pipelines. Rob brings more than 20 years of experience in investment banking, tax equity, structured finance, and renewable energy, and he explains the real criteria that determine platform value today. Benoy and Rob discuss why platforms are being repriced, how rising SG&A and longer development timelines are reshaping exits, and what investors are prioritizing in the current market. They also cover the Pine Gate bankruptcy, the renewed shift toward “develop and flip,” battery economics, tax credit insurance constraints, FEOC uncertainty, and the wave of distress expected to define the industry over the next two to three years. Biographies Benoy Thanjan Benoy Thanjan is the Founder and CEO of Reneu Energy, solar developer and consulting firm, and a strategic advisor to multiple cleantech startups. Over his career, Benoy has developed over 100 MWs of solar projects across the U.S., helped launch the first residential solar tax equity funds at Tesla, and brokered $45 million in Renewable Energy Credits (“REC”) transactions. Prior to founding Reneu Energy, Benoy was the Environmental Commodities Trader in Tesla's Project Finance Group, where he managed one of the largest environmental commodities portfolios. He originated REC trades and co-developed a monetization and hedging strategy with senior leadership to enter the East Coast market. As Vice President at Vanguard Energy Partners, Benoy crafted project finance solutions for commercial-scale solar portfolios. His role at Ridgewood Renewable Power, a private equity fund with 125 MWs of U.S. renewable assets, involved evaluating investment opportunities and maximizing returns. He also played a key role in the sale of the firm's renewable portfolio. Earlier in his career, Benoy worked in Energy Structured Finance at Deloitte & Touche and Financial Advisory Services at Ernst & Young, following an internship on the trading floor at D.E. Shaw & Co., a multi billion dollar hedge fund. Benoy holds an MBA in Finance from Rutgers University and a BS in Finance and Economics from NYU Stern, where he was an Alumni Scholar. Rob Sternthal For the last 20+ years, Rob has been a leading investment banking executive and recognized platform builder across the renewable power, energy, ESG and real assets sectors, advising on more than $25 billion of transactions. Prior to joining XIP, Rob was a Managing Director focusing on renewable power at Piper Sandler. Before that, Rob was responsible for building platforms at Rubicon Capital Advisors as well as CohnReznick (now CRC-IB). He founded and built CohnReznick's Capital Markets group (CRC) into a market-leader over ten years, completing nearly $20 billion in transactions and managing a team of 30 professionals. Prior to CRC, Rob established and led multiple real estate and asset-backed securities practices for Credit Suisse in the United States as well as internationally. He began his career as an attorney for the U.S. Securities & Exchange Commission as well as in private practice at Milbank. Rob received a bachelor's degree in economics and French, with honors, from Emory University and a Juris Doctorate, cum laude, from the Temple University School of Law. Rob is a Registered Representative of BA Securities, LLC. Member FINRA, SIPC. Stay Connected: Benoy Thanjan Email: info@reneuenergy.com LinkedIn: Benoy Thanjan Website: https://www.reneuenergy.com Website: https://www.solarmaverickpodcast.com Rob Sternthal Linkedin: https://www.linkedin.com/in/robert-sternthal-548b287/ Website: https://xipllc.com/ Email: Rob@xipllc.com NPM Podcast related to XIP's partnership with Gordian: https://newprojectmedia.com/npm-interconnections-us-episode-172-rob-sternthal-peter-kauffman-xip-gordian/ If you enjoyed this episode, please rate, review and share the Solar Maverick Podcast so more people can learn how to accelerate the clean energy transition. Join Us for the Winter Solstice Fundraiser! I'm excited to invite you to our Winter Solstice Fundraiser, hosted by Reneu Energy and the Solar Maverick Podcast on Thursday, December 4th from 6–10 PM at Hudson Hall in Jersey City, NJ! https://www.tickettailor.com/events/reneuenergy/1919391 This event brings together clean energy leaders, entrepreneurs, and friends to celebrate the season while raising funds for the Let's Share the Sun Foundation, which installs solar and storage systems for families and communities in need in Puerto Rico. We'll have: -Great food and drinks -Amazing networking with solar and sustainability professionals -Sports memorabilia auctions (with proceeds benefiting Let's Share the Sun) -An inspiring community focused on making an impact through solar energy If you or your company would like to get involved as a sponsor, please message us at info@reneuenergy.com. Reneu Energy Reneu Energy provides expert consulting across solar and storage project development, financing, energy strategy, and environmental commodities. Our team helps clients originate, structure, and execute opportunities in community solar, C&I, utility-scale, and renewable energy credit markets. Email us at info@reneuenergy.com to learn more.
China EVs & More is back with a special Thanksgiving episode — and the China auto world did not take the week off.
233 - James Hunter (James Hunter Six) In episode 233 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with singer/guitarist and bandleader James Hunter, from the James Hunter Six. In their conversation James tells us about his home in Brighton, UK and what it's like to get around using the train and he tells us about the formation of his band the “James Hunter Six”. James talks about his style of music which is very mod ‘60's R&B. James describes his guitars a Gibson Les Paul Special a Gretsch 6120 and a Gretsch Electromatic Double Jet and he discusses his amps Vox AC30's. James discusses his musical education learning from his brother listening to Do Wop, Eddie Cochran and Gene Vincent playing pubs and bars in his neighborhood. James tells us about how he caught the ear of Van Morrison and how they ended up collaborating, one of the songs appearing on James Hunter's new album “Off the Fence”. James talks about his tour schedule and the difficulties of getting a visa to travel back to the USA where he used tour regularly before Covid. To find out more about James you can go to his website: jameshuntermusic.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #JamesHunterSix #JamesHunter #OfftheFence #VanMorrison #JamesPatrickRegan #GibsonGuitar #VoxAmps #GretschGuitars #theDeadlies #AC30 #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link
Hey YC Online! Sermon notes: https://static1.squarespace.com/static/592f36b4d1758e4fdf70080e/t/692c8255f539d35a994c6c29/1764524629461/SG+11_29_25+ADVENT_+COMING+OF+THE+KING+OF+HEARTS+WEEK+1.pdf ABOUT YOSEMITE CHURCH: Our mission is meeting people where they are and loving them to where Christ wants them to be. Yosemite Church wants to help you find your next step. Find locations, videos, and more info about us at https://yc.church/ or download the Yosemite Church app. NEXT STEPS: Have you made a decision to follow Jesus? You may be wondering what's next on your journey. We want to help! Let us guide you to your next steps in your walk with Christ: https://yc.church/baptism GIVE ONLINE: https://pushpay.com/g/yosemitechurch FIND US ON SOCIAL MEDIA: https://www.facebook.com/yosemitechurch https://www.instagram.com/yosemitechurch/ All music performed under CCLI Licenses: 6010 and CSPL028666
Jill Teed, "Yolanda Reese" / "Stacey Monroe," joins Dial the Gate to talk her career and explore SG-1's most wild meta-narrative as the show-within-a-show!
How far would you go to get your child enrolled at a primary school of your choice? One woman repeatedly lied about her home address to get her daughter a spot at the primary school the mother wanted in 2023. But the school discovered the truth, and she was handed a one-week jail sentence in November for subverting the admissions process. While her sentence has raised eyebrows, she’s not the only one to have attempted this, with other parents over the years having been fined between $4,000 and $5,000 over similar attempts. In a 2007 case, a parent was jailed after lying about his residential address in order to get his daughter into a certain school in Bukit Timah. Data from the Ministry of Education showed that between 2020 and 2024, there were about nine such cases each year. In this episode of The Usual Place, I speak with three guests about why some parents think they need to game the system to get their child a good education. They are: • Pooja Bhandari, founder of non-profit EveryChild.SG, which looks to raise awareness about the need for education reforms and the well-being of children in Singapore, • Esther Foong-Tan, a family life education specialist, who helps families work on their interpersonal relationships by equipping parents with up-to-date resources and training, and • Assistant Professor of Sociology Jacqueline Ho, who teaches at Singapore Management University. Her research is focused primarily on the Singaporean education system. In this pre-recorded episode, we discuss: Is this just ‘kiasu’ culture taken to extremes? And what’s driving parents to go to such lengths for a place at a “good” primary school? Highlights (click/tap above): 3:16 Emotional impact on the child whose parent was jailed for lying about their address4:54 Unfairness in the P1 registration system 11:26 How inequality in society builds anxiety in parents23:32 Bullying in an elite school 35:54 How the lack of information about school culture has spurred anxiety among parents 38:20 Could an automatic allocation to primary schools create a fairer admission system? Follow The Usual Place podcast on IG: https://www.instagram.com/theusualplacepodcast Follow Natasha on LinkedIn: https://str.sg/v6DN Filmed by: Studio+65 Edited by: Teo Tong Kai, Eden Soh and Chen Junyi Executive producers: Danson Cheong, Elizabeth Khor & Ernest Luis Editorial producer: Lynda Hong Follow The Usual Place Podcast and get notified for new episode drops every Thursday: Channel: https://str.sg/5nfm Apple Podcasts: https://str.sg/9ijX Spotify: https://str.sg/cd2P YouTube: https://str.sg/theusualplacepodcast Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX -- #tup #tuptrSee omnystudio.com/listener for privacy information.
Subscribe to our mailing list to never miss another episode and stay up to date with event news: https://www.aviadev.com/keep-me-updated In this episode, we feature Adefunke Adeyemi, Secretary-General of the African Civil Aviation Commission (AFCAC), as she begins her second term. Host Jon Howell, CEO and Founder of AviaDev Africa, asks the tough questions regarding implementation, disputes, enforcement, and opportunities. Reflections on the first term as SG What do you say to SAATM skeptics? How many countries can be classified as "SAATM Operational" today? Is AFCAC going to publish a YD compliance scorecard? What is the dispute resolution process if any airline is denied traffic rights? What punitive measures can AFCAC take? How can AFCAC ensure it represents airlines of all shapes, sizes and ownership structures? KPIs for SG's next 3-year term as AFCAC SG You can follow Adefunke Adeyemi on LinkedIn here Listen to the previous interview here
Hey YC Online! Sermon notes: https://static1.squarespace.com/static/592f36b4d1758e4fdf70080e/t/691f9368aa8aea406bb1a1de/1763677032824/SG+11_23_25+KING+OF+HEARTS+WK+15.pdf ABOUT YOSEMITE CHURCH: Our mission is meeting people where they are and loving them to where Christ wants them to be. Yosemite Church wants to help you find your next step. Find locations, videos, and more info about us at https://yc.church/ or download the Yosemite Church app. NEXT STEPS: Have you made a decision to follow Jesus? You may be wondering what's next on your journey. We want to help! Let us guide you to your next steps in your walk with Christ: https://yc.church/baptism GIVE ONLINE: https://pushpay.com/g/yosemitechurch FIND US ON SOCIAL MEDIA: https://www.facebook.com/yosemitechurch https://www.instagram.com/yosemitechurch/ All music performed under CCLI Licenses: 6010 and CSPL028666
Tales of Three Campaign OneArc 2.1 OladellEpisode 63: The Delegates Our Trio meets with two of the Seelie delegates and distributes water to the town. Content Warnings: Profanity, Reference to fantasy violence, romantic and sexual situations, and Water Scarcity. Tales of Three is an all-queer, dark fantasy dnd podcast where your three Game Masters are also your three Players!If you like what you hear please tell your friends about us & consider giving us a 5 star review! It's a quick and easy way to show your support for small creators whose content you enjoy! Follow the Cast:Arianna as Elara SpinelsparkDusty as Ivy Nightbreeze- Tinkerfey Wayra as Véres Find our socials here! Want to chat with the cast, talk spoilers, play games, and make new friends? Join our Discord! If you want to help keep the podcast running and get access to bonus content check out our Patreon!Buy us a coffee on Ko-fi! Special thanks to SG for the theme music, Chriss for the logo, Fenn & Ely for the character art! Background music and SFX by Epidemic Sounds & Monument StudiosThis week we're featuring our friends at Big Campaign podcast! Check out their podcast here!
Two of Stargate's most memorable double acts, Alex Zahara and Patrick Currie, are joining us LIVE to share memories from SG-1's "Space Race," "Enemy Mine" and more!
Christian Ashley and Liz Clyde dive deep into the captivating world of "Inuyasha," exploring the show's iconic love triangle and its rich blend of action and drama. They kick things off by pondering a thought-provoking question: if given the chance, what would they wish for using the elusive Shikon Jewel? Throughout their laid-back banter, they reveal their personal connections to the series, with Liz sharing how "Inuyasha" was her first anime love, while Christian reminisces about the wild hours spent watching it on Adult Swim. Their discussion doesn't shy away from critiquing character arcs and relationships, particularly the complex dynamics between Inuyasha, Kagome, and Kikyo, while also touching on the series' deeper themes of identity and belonging. With a mix of humor and insightful commentary, this episode is a nostalgic trip for long-time fans and a welcoming introduction for newcomers to the "Inuyasha" fandom.Takeaways: Christian and Liz dive deep into the world of Inuyasha, discussing its unique blend of romance, action, and supernatural elements. They explore the complex relationships between the characters, particularly the love triangle involving Inuyasha, Kagome, and Kikyo, adding layers to the story. The podcast highlights the show's exploration of identity, particularly Inuyasha's struggle with being half-demon and half-human, which resonates with themes of belonging. Listeners are reminded that while Inuyasha has its flaws and filler episodes, it remains a cornerstone of anime culture, beloved by fans for its nostalgic charm. .You can leave a one-time gift, purchase some SG merch, or become a member on our website:https://systematic-geekology-shop.fourthwall.com/.Check out our other anime reviews:https://player.captivate.fm/collection/ff4343b3-82e0-4173-a884-1608a49eec5b.Don't miss any episode with Christian:https://player.captivate.fm/collection/ebf4b064-0672-47dd-b5a3-0fff5f11b54c.Check out all of Liz's episodes:https://player.captivate.fm/collection/b4feaf6c-e817-4e86-b6f3-e13c0abc7147Mentioned in this episode:Anazao Podcast NetworkOur show is part of the Anazao Podcast Network and you can find other great shows like ours by checking out the whole network with this link!Anazao Podcast NetworkDonate to our Show / Check Out Free ExtrasCheck out our show on Fourthwall to donate to the podcast or get free extra content!SG on FourthwallSystematic GeekologyOur show focuses around our favorite fandoms that we discuss from a Christian perspective. We do not try to put Jesus into all our favorite stories, but rather we try to ask the questions the IPs are asking, then addressing those questions from our perspective. We are not all ordained, but we are the Priests to the Geeks, in the sense that we try to serve as mediators between the cultures around our favorite fandoms and our faith communities.Anazao Ministries Podcasts - AMP NetworkCheck out other shows like this on our podcast network! https://anazao-ministries.captivate.fm/
Send us a textEver wondered why your referrals aren't pouring in despite your expertise? In this episode of the Serve First, Sell Later Marketing podcast, Sylvia Garibaldi, founder and CEO of SG and Associates, uncovers the surprising truth: it's all about trust, not skill. Learn why referrals hinge on making partners feel safe, discover the tiny signals that build or break trust, and get practical steps to skyrocket your referral network. Dive in to change your approach and consistently attract referrals with confidence!In this episode, you'll learn: 01:29 The Truth About Referrals02:54 Building Trust with Referral Partners06:05 Signals Referral Partners Notice09:36 Addressing Referral Partners' Fears13:31 Becoming the Go-To Professional18:02 Practical Steps to Increase Referrals Resources:Join us for the next webinar here.Feeling stuck about how to grow your practice, book a free strategy call here.#64 From Referral Plateau to Referral Powerhouse#77 Don't Sell Services. Sell the Feeling After.#88 5 Steps to Fast-Track Referral PartnershipsRate, Review, & Follow on Apple Podcasts"Love listening and learning from the Serve First, Sell Later Marketing Podcast” If that sounds like you, please consider rating and reviewing my show! This helps me support more people -- just like you. Click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Want more insights like this? Sign up for our newsletter. Sign up for our free LinkedIn newsletter on marketing your professional practice Connect with me on linkedin Join our online community Subscribe to my youtube channel
This episode dives deep into the fascinating world of the Inklings, featuring the dynamic duo of Dr. David C. Downing and Dr. Crystal Downing, who take listeners on a vibrant journey through the lives and works of J.R.R. Tolkien and C.S. Lewis. The conversation unfolds from a live lecture at Holy Trinity Lutheran Church in Chapel Hill, NC, where they discuss the essence of the Inklings—an eclectic group of writers who gathered in pubs to share their ideas and inspire one another. The Downings highlight how Tolkien and Lewis not only influenced each other's literary paths but also played pivotal roles in shaping modern Christianity through their imaginative storytelling. As they navigate through the complexities of faith, creativity, and friendship, listeners are invited to reflect on the Reformation of Redemption and its relevance today. So, grab a pint (or your favorite beverage) and prepare to geek out over some of the most influential literary minds of the 20th century!Gather around, folks! The latest episode of Systematic Geekology brings the magic of the Inklings to life with a special lecture from Dr. David C. Downing and Dr. Crystal Downing, recorded live at Holy Trinity Lutheran Church in Chapel Hill, NC. This special event, titled "The Reformation of Redemption," dives deep into the world of J.R.R. Tolkien and C.S. Lewis, two literary titans who not only shaped fantasy literature but also influenced Christian thought through their imaginative storytelling. The Downings, seasoned scholars of Lewis and Tolkien, explore the camaraderie and creative sparks ignited among the Inklings—a group of writers who met regularly to share their works, critique each other, and inspire one another over pints and good cheer. They delve into how Tolkien reframed the dying god myth for Lewis, leading to his eventual conversion, and discuss the unique friendship that blossomed in the aftermath of their shared experiences during World War I. All of this unfolds in a cozy, pub-like atmosphere, inviting listeners to reflect on the impact of these authors on modern faith and literature, with anecdotes that resonate even today. So if you're a fan of Lewis, Tolkien, or just love a good story, this episode is a treasure trove of insights that you won't want to miss!Takeaways: The Inklings, including Tolkien and Lewis, created a unique space for collaboration and inspiration through their shared love for storytelling and literature. Dr. David and Dr. Crystal Downing emphasized how the friendship between Lewis and Tolkien significantly impacted their views on faith and creativity. Dorothy Sayers' approach to writing about Christianity in a relatable way has resonated with modern audiences, highlighting the importance of inclusivity in faith discussions. The podcast reflects on the timeless relevance of the Inklings, showing how their community dynamics can still inspire today's creatives and thinkers. Discussion of the 'dying God' myth illustrates how Tolkien's reframing of this concept played a crucial role in Lewis's conversion to Christianity. The event at Holy Trinity Lutheran Church served as a celebration of the literary friendship among the Inklings, showcasing their lasting influence on contemporary faith narratives. .You can leave a one-time gift, purchase some SG merch, or become a member on our website:https://systematic-geekology-shop.fourthwall.com/.Check out our episode with John Hendrix about his book Mythmakers:https://systematic-geekology.captivate.fm/episode/mythmaker-ep/.Don't miss any episode with Will:
In this episode, Benjamin Levy, MD, FASCO, and Alex Spira, MD, PhD, FASCO, discuss the latest developments in targeting TROP2 and TIGIT for the treatment of lung cancer, including:TROP2-targeting ADCs: datopotamab deruxtecan, sacituzumab govitecan, sacituzumab tirumotecan TROP2 ADCS for patients with EGFR-mutated NSCLCTIGIT-targeting agents: domvanalimab, rilvegostomigPresenters:Benjamin Levy, MD, FASCOAssociate ProfessorJohns Hopkins School of MedicineClinical DirectorJohns Hopkins Kimmel Cancer Center, National Capitol Region (NCR)Washington, DCAlex Spira, MD, PhD, FASCODirector Clinical ResearchVirginia Cancer SpecialistsCEO NEXT Oncology VirginiaFairfax, VirginiaContent based on an online CME program supported by an independent educational grant from Gilead Sciences, Inc.Link to full program:https://bit.ly/4qZLR6B Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
The popular Parking.SG app was supposed to help parking wardens issue summons. What happened? Synopsis: Every 3rd Wednesday of the month, The Straits Times examines not just vehicle prices but wider transport issues and trends connected to public and private transport. The Parking.SG app handles a million sessions a month, with under half of them being ended early and the motorist getting a refund. Half of them are Apple users, and the rest use Android smartphones. To think that it all began as a project to help the parking warden. In this episode, host and senior transport correspondent Lee Nian Tjoe speaks with Ms Amelia Fong, the product manager for Parking.sg and a policy officer at Open Government Products (OGP), a division of the Government Technology Agency of Singapore. Highlights (click/tap above): 2:21 The technology behind the original Parking.SG app 4:00 User statistics 8:00 Considerations to make the app senior-friendly 11:56 Annual hackathon for new technology solutions 19:00 Keeping the app working 24/7 20:57 Becoming a product manager at OGP Learn more about Parking.SG: https://www.parking.sg/ Read Lee Nian Tjoe's articles: https://str.sg/wt8G Follow Lee Nian Tjoe on LinkedIn: https://str.sg/iqkJ Read more COE articles: https://str.sg/iGKC Host: Lee Nian Tjoe (niantjoel@sph.com.sg) Produced & edited by: Teo Tong Kai Executive producers: Ernest Luis and Lynda Hong Follow Wheel Insights Podcast here and get notified for new episode drops: Channel: https://str.sg/iTtE Apple Podcasts: https://str.sg/iqW2 Spotify: https://str.sg/iqgB Feedback to: podcast@sph.com.sg SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #wheelinsightsSee omnystudio.com/listener for privacy information.
Silvana, Eric and Tegan watch Stargate SG-1 Season 6 Episode 10 "Cure." The hosts start out discussing which bands SG-1 characters would love, unfortunately this is not a crossover episode with the band The Cure. We are back in classic SG-1 style with the costumes, the post-industrial backdrop, archeology, and great character moments. The emotional moments hit hard and the ethical dilemma was interesting and handled well. Silvana gives a lesson on why Agile isn't done in medicine, Tegan rants about drug trials, and Eric gives a history lesson on Bath in England. No explosions in this episode! Episode Ratings: Comedic Effect - 5/7 chevrons Emotional Impact - 7/7 chevrons Enjoyability - 7/7 chevrons Culture/history/lore - 7/7 chevrons Novelty - 7/7 chevrons Technical Quality - 7/7 chevrons Plot - 7/7 chevrons Relevant to the overall story? Yes, don't skip! Join the discussion on our socials.
Hey YC Online! Sermon notes: https://static1.squarespace.com/static/592f36b4d1758e4fdf70080e/t/6916c32a55b9ed1b39d18c7d/1763099434542/SG+11_16_25+KING+OF+HEARTS+Week+14.pdf ABOUT YOSEMITE CHURCH: Our mission is meeting people where they are and loving them to where Christ wants them to be. Yosemite Church wants to help you find your next step. Find locations, videos, and more info about us at https://yc.church/ or download the Yosemite Church app. NEXT STEPS: Have you made a decision to follow Jesus? You may be wondering what's next on your journey. We want to help! Let us guide you to your next steps in your walk with Christ: https://yc.church/baptism GIVE ONLINE: https://pushpay.com/g/yosemitechurch FIND US ON SOCIAL MEDIA: https://www.facebook.com/yosemitechurch https://www.instagram.com/yosemitechurch/ All music performed under CCLI Licenses: 6010 and CSPL028666
232 - Lydia Luce In episode 232 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with singer/songwriter violist and guitarist Lydia Luce. In their conversation Lydia joins us from her home studio in Nashville and talks about one of her alma mater Berklee college of music in Boston. Lydia describes her musical upbringing her mother being a classical conductor with Lydia playing violin and her primary instrument viola, moving to guitar and her songwriting. Lydia discusses her new album “Mammoth” and talks about being very pregnant at the time of the interview hence no current tour dates. Lydia tells us about her physical journey, growing up in Ft. Lauderdale moving to Boston then Washington D.C., Los Angeles and finally ending up in Nashville. Lydia talks about a group of string players she curates for shows and sessions in Nashville called “Lockeland Strings” and she takes us through the ambient music she makes. Lydia describes her Waterloo guitars waterlooguitars.com and her other guitars and her Wooly Coats amps, her different tunings she uses on her guitars and she discusses what touring looks like for her. Finally Lydia talks about her drummer/graphic artist husband and her soon to arrive baby and what she does outside of music including being a rescue diver. To find out more about Lydia you can go to her website: lydialuce.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #LydiaLuce #Mammoth #LockelandStrings #JamesPatrickRegan #WaterlooGuitars #theDeadlies #Berklee#WoolyCoatsAmps #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link
No surprise to me that there's a glut of apartments on the market I saw the potential for this oversupply happening in San Diego a couple of years ago. It seemed anywhere you drove within a short distance you would see the construction of new apartment buildings. It is not just here in San Diego though as the glut of apartments is happening around the country. With the dynamics of supply and demand, if you're looking for an apartment today, you're in for a treat. In September rental rates had the steepest drop in more than 15 years. Landlords are now offering months of free rent, gift cards, free parking and some are even paying for your moving expenses just to get you to sign a lease. You may want to play hardball because in some areas they'll even cut the rent on top of all those incentives. In September, 37% of rentals agreed to concessions like months of free rent. What caused the problem for landlords is during the early years of the pandemic, developers could not begin building apartments fast enough, especially in the Sunbelt area where there was a major population migration. It became the biggest apartment construction boom in 40 years, but because of the delay of construction permits and labor shortages, development took much longer than they had hoped. It seemed no one looked around to see all the apartments going up, and now they're all competing with each other for renters. The landlords are hoping they can raise rents by the end of 2026 or at least sometime in 2027, but I don't think they are factoring in how many apartments are online with more still to come. Based on the current apartment inventory and new apartments coming online, renters could be in for lower rent maybe perhaps until 2028. This will not be good for the housing market because rent for houses will be the next to fall and then people will have to factor in the affordability of renting vs buying a home. This would also likely hurt the demand for buying rental properties as an investment if you can't get as much rent as you thought. Are the large hyperscale companies like Meta, Microsoft, and Alphabet inflating earnings? Michael Burry, who was made famous by "The Big Short", made the claim that some of America's largest tech companies are using aggressive accounting to pad their profits. He believes they are understating depreciation expenses by estimating that chips will have a longer life cycle than is realistic. Investors are likely aware of the huge investment these companies are making in AI, but they likely don't understand how the accounting of the investments work. If a business makes an investment in these semiconductors/servers of let's say $100 B, that doesn't hit earnings when the money is spent as under generally accepted accounting principles, or GAAP, they are instead able to spread out the cost of that asset as a yearly expense that is based on the company's estimate of how rapidly that asset depreciates in value. From what I've seen, these companies are generally depreciating their Nvidia chips for over 5 to 6 years. This seems to be a stretch considering Nvidia is on a 1-year chip production cycle, and the technology is changing quite rapidly. Burry estimated that from 2026 through 2028, the accounting maneuver would understate depreciation by about $176 billion and if Burry is correct, hyperscale's will have to write off AI capex as a bad investment, due to depreciation-useful life mismatch. This would then produce a major hit on earnings. While I remain a believer that AI is here to stay, I do believe there will be some big-time losers in this space given all the money that is being spent. Be careful chasing the hype as I do worry the fallout for some of these companies could be larger than many things possible. Burry has also warned this year that AI enthusiasm resembles the late-1990s tech bubble and recently disclosed put options betting against Nvidia and Palantir. He also stated that "more detail" was coming November 25th, and that readers should "stay tuned." I know I'm definitely curious what other information he has! China is no longer just manufacturing; they are also beginning to innovate. For many years innovation was generally done here in the US, and we would have the products manufactured in China. China is no longer happy with this arrangement, and its research and development spending is up nearly 9% a year well above the 1.7% here in United States. In 2024, China filed 70,160 international patents which was about 16,000 more than the 54,087 patents the US filed. China also seems to be more advanced in robotics installing 300,000 industrial robots in 2024 compared with roughly 30,000 industrial robots in the US. It also has been noted that when it comes to worldwide sales of electric vehicles, 66% came from China. While these developments seem positive for China, the country is still experiencing problems with a slowing economy as they have seen fixed asset investment decline and a slowdown in retail sales. The population of China has also declined over the last three years, and the real estate market after four years has really taken away a lot of household wealth. China's public and private debt continue to climb rapidly, which is becoming a problem for them as well. It is estimated that China is spending around $85-$95 billion on AI capital spending yet their economy is struggling as noted by the China Merchants Bank which talked about a 11% decline in consumption among customers and retail loans are now under pressure. China's exports to the US are down 27% because of the tariffs, but worldwide their exports are up 8%. It was recently reported that Beijing banned foreign AI chips from Nvidia, Advanced Micro Devices and Intel from government funding data center buildouts. Currently, China cannot pass the US and its allies in producing the most advance semiconductors, but they're making very good progress in developing mid-level chips and parts of the AI ecosystem. The US must continue to forge ahead because if we rest, China will be the world dominant power Financial Planning: 50-year Mortgage: Helpful or Hurtful? A 50-year mortgage is being discussed as a way to reduce monthly payments and help with affordability, offering borrowers slightly lower costs that could help them qualify for homes otherwise out of reach. Critics argue that these loans would saddle buyers with far more interest paid to banks and that many borrowers would never pay off such a long mortgage, but those arguments often miss the bigger picture. Paying a low rate of interest to a bank is not inherently bad if it allows someone to invest money elsewhere at higher returns, just as today's homeowners with 30-year mortgages at 2% benefit greatly from not paying them off early. Also, most mortgages today are never fully paid off anyway because homes are sold, or loans are refinanced long before they reach maturity. A 50-year loan would be no different, especially since borrowers could always pay more than the minimum if they wanted to accelerate payoff. In practice, savvy investors would likely use the freed-up cash flow from 50-year mortgages to invest in higher-return opportunities, but most borrowers probably wouldn't resulting in slower wealth accumulation for the masses without addressing the root cause of housing affordability. If used correctly, this loan could be a useful tool, but I fear the overall impact could be damaging. Companies Discussed: Axon Enterprise (AXON), Zoetis Inc. (ZTS), Elf Beauty Inc. (ELF),Sweetgreen Inc. (SG)
SG1 helps Martin Lloyd reshape his movie script and sparks a storm of ridiculous rewrites—from sci-fi clichés to bold jabs at SG-1's own history. Jack Baruzzini, Jeff Haecker, Victor Lams, and special guest Fr. Cory Sticha unpack the wildest ideas. Is this the ultimate sci-fi roast? The post 200 (SG1) appeared first on StarQuest Media.
Tales of Three Campaign OneArc 2.1: Oladell Episode 52: Vision. Memory. Bones. After a good night rest, our trio spends the morning discussing the events of the past few days. Each one opens up a bit about how they're feeling, Ivy talks about the bone wolf, Elara talks about her visions, and Véres talks about their memory issues. Content Warnings: Complicated Family Relationships, Complicated Romantic Relationships, Memory Loss, Profanity, and Romantic and Sexual Situations Tales of Three is an all-queer, dark fantasy dnd podcast where your three Game Masters are also your three Players!If you like what you hear please tell your friends about us & consider giving us a 5 star review! It's a quick and easy way to show your support for small creators whose content you enjoy! Follow the Cast:Arianna as Elara SpinelsparkDusty as Ivy Nightbreeze- Tinkerfey Wayra as Véres Find our socials here! Want to chat with the cast, talk spoilers, play games, and make new friends? Join our Discord! If you want to help keep the podcast running and get access to bonus content check out our Patreon!Buy us a coffee on Ko-fi! Special thanks to SG for the theme music, Chriss for the logo, Fenn & Ely for the character art! Background music and SFX by Epidemic Sounds & Monument Studios
231 - Jake Banfield In episode 231 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine, host James Patrick Regan speaks with singer/songwriter Jake Banfield. In their conversation Jake talks about his college basketball career and his love of sports particularly the Sooners teams and he talks about his hometown of Tulsa. Jake tells us about his new debut album “Open Bars” and the songwriting sessions he's apart of both for his follow up album and for other artists. Jake gives us his musical history after a college basketball injury sidelined him and tells us about how the purchase of a Martin guitar changed his life. Jake describes how a song he wrote and recorded “ Hold Me” went viral and caught the attention of management in LA and in turn Nashville and how that led to his album and his writing sessions. Jake discusses his previous tours and his future tours many of which are international and how he makes the ends meet financially and he talks about his new album. To find out more about Jake you can go to his website: jakebanfieldmusic.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #JakeBanfield #OpenBars #HoldMe #JamesPatrickRegan #MartinGuitar #theDeadlies #Sooners #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link
230 - Hunter Metts In episode 230 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine host James Patrick Regan speaks with singer/songwriter Hunter Metts. In their conversation Hunter tells us about his touring schedule and the lineup of his band while touring and the types of venues he's playing. Hunter describes growing up in the outskirts of Nashville singing and playing guitar at a young age at church and listening to Nick Drake and Little Feat and Bonnie Raitt. Hunter talks about his different tunings and playing finger style. Hunter tells us about his new EP “A Crater Wide” and driving to Colorado to record the album and he talks about the instrumentation on the album and he describes his guitars. Hunter gives us his strategy for finding cheap hotels while on tour and he talks about self managing his career. Hunter tells us what he does with his days off while on the road and while he's at home. To find out more about Hunter you can go to his website: huntermetts.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #HunterMetts #ACraterWide #JamesPatrickRegan #GibsonGuitar #theDeadlies #haveguitarwilltravelpodcast #HGWT #tourlife Please like, comment, and share this podcast! Download Link
Welcome back to the Konfidence in the Klutch Podcast with Donald Nelson. RIP Lenny Wilkins, Paul Tagliabue, Yung Bleed, and Marshawn Kneeland (2:30). Konfidence in the Klutch's Deezus gives his Konfident Service Announcement: Four seasons (5:30). Deezus then shares his NFL Week 10 notes and news. Daboll is out at the Giants. The Packers' offense is trash. Is it playcalling, personnel, QB play, or all three? Thank you to Allen, Jones, and Goff for throwing over 300 yards. What's ya fantasy? My team is done at 3-7 with four games left (8:30). Deezus then shares his NBA news, including the Sixers Bulls game last week, Desmond Bane deserved to be ejected, and Dejounte can't change a player's game in the ninth inning. Nico is fired from the Mavs. Reaves is an elite SG, and the Lakers must pay him. Bron will fit in (15:25). Deezus talks about Politics as usual. The government shutdown is over due to weak democrats. Cali passes Prop 50 to help Dems win the 26 midterms. The Trump administration cuts air traffic, and it won't be back to normal by Thanksgiving. SNAP benefits are in limbo (23:00). Quick Ones, I've been watching Cheaters. OMFG, that show is and was crazy—power Reverberation Podcast update. (32:15). Life Accused as a Teacher/Coach part 125 (34:00). The podcast was recorded at 2:00 p.m. CT on Tuesday, Nov. 11, 2025. Host: Donald Nelson Producer/Engineer: Donald Nelson Music by: Konfidence in the Klutch Productions Subscribe, Stream, or Download:
As always when Kim Jong Duh is in (what's left of) the white house, the scandals and nightmares come far too quickly and numerously for me to keep up. This song is about air traffic horribleness from earlier this year... and it seems appropriate to drag it out now, with the air traffic controllers on furlough (which might be over before this song gets to you). Oh well. You know me... I have to parody this classic John Denver song every few years. I think this is the fourth one. Wow. Music: John Denver Words: SG and Niamh Bagnell Guitar, mandolin, bass, piano, arrangement, production: SG
229 - Marcus Deml In episode 229 of “Have Guitar Will Travel”, presented by Vintage Guitar Magazine,host James Patrick Regan speaks with Guitarist Marcus Deml. In their conversation Marcus talks about his physical journey as a child from the former Czech Republic to Austria and to Germany, Hamburg being his current home in the forest which also houses his studio. Marcus describes his gear in detail and talks about his friendship with fellow german Reinhold Bogner whom he met while attending GIT in Hollywood, Marcus is partially responsible for helping Bogner design the Ecstasy. Marcus takes us through his musical history, starting on jazz studying in Munich before moving to Hollywood to attend Musicians Institute and Marcus tells us why he chose MI and his goal of becoming a session guitarist. Marcus describes the culture shock of moving to Hollywood at 20 after growing up in Europe and he talks about his return to Europe after seven years of working doing sessions and teaching at MI as well as playing in the inevitable “hair bands” of the 80's. Marcus tells us about how he started doing sessions in Europe. Marcus tells us about becoming a brand, making pedals doing clinics running his own label, doing YouTube demos and making his own music, his current album is called “Pure”. Marcus talks about his guitar hero's particularly Gary Moore. Marcus discusses the financial aspects of touring and playing live and workshops. To find out more about Marcus you can go to his website: marcusdeml.com Please subscribe, like, comment, share and review this podcast! #VintageGuitarMagazine #MarcusDeml #BognerAmps #JamesPatrickRegan #GibsonGuitar #theDeadlies #Pure #GIT #FenderCustomShop #MusiciansInstitute #haveguitarwilltravelpodcast #HGWT #GaryMoore #EddieVanHalen #tourlife Please like, comment, and share this podcast! Download Link
(토) 컬투쇼 - 사랑의 컬센타 (김태현 (딕펑스), 랄랄, 김용준 (SG워너비)) - 2025.11.8
Investor sentiment has dropped down to extreme fear as the financial headlines increasingly stoke concerns. Many stocks have dropped into bear territory but our analysts are decided to celebrate the "holiday" and give some of these bears a hug. The team also tackles Berkshire Hathaway's record pile of cash, Elon Musk's $1 trillion payday, and restaurant stocks before wrapping up with stocks on our radar. Jon Quast, Lou Whiteman and Emily Flippen discuss: - The fear and greed index is showing extreme fear. -Berkshire Hathaway is sitting on $382 billion. -Tesla approves Elon Musk's performance award that includes important operational milestones. -Denny's is being acquired, Papa John's bid is pulled, and Yum! Brands may be looking for a buyer for Pizza Hut. - Stocks on our radar. Companies discussed: BRK.A, BRK.B, TSLA, EATZ, DPZ, PZZA, YUM, CASY, SBUX, DENN, SG, DASH, AXON, LULU, IT, SMCI, CMG, DUOL, TTD, STN Host: Jon Quast Guests: Lou Whiteman, Emily Flippen Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Jimmy Hidalgo, Jr. is the favorite in Super Stock... but it's not over! Kris Whitfield is the favorite in SC... but it's not over! JJ Brock is the favorite in SG... but it's FAR from over! Luke does his best to break down all the scenarios (and even gives some odds) in today's Daily Driver!
4ª jornada de Champions: Liverpool 1 - 0 Real Madrid y Atlético 3 - 1 Unión SG. Protagonistas. Tiempo de opinión. Previa del La NFL, en Madrid. MundoMaldini.
As a young girl, mowing her neighbor's lawn in the Kentucky heat, SG Goodman learns many important things: how to avoid running into the chain-link fence, the art of blowing the grass away from the house ... and the way these small, regular acts of community become the glue holding the world together. In caring for Miss Betty across the street, and in caring for the land her father farms, SG learns to love the world and its stories, its songs, its connections that sustain us.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
4ª jornada de Champions: Liverpool 1 - 0 Real Madrid y Atlético 3 - 1 Unión SG. Protagonistas. Tiempo de opinión.