Podcasts about Sitting

Can a five-minute walk change how you feel all day? Exercise scientist Keith Diaz shows how your body is built for the kind of movement that modern life has quietly erased — and suggests something refreshingly doable: making time for small doses of movement sprinkled throughout the day, as a way to boost your brain and body. And stick around after his talk for a deep dive conversation with our guest host for the week, author and podcaster Manoush Zomorodi, into the ideas he shared on stage and beyond.This is episode one of a seven-part series airing this week on TED Talks Daily, where Manoush — and the seven speakers she curated for TED2026 — explore how you can live a healthier life in our high-tech era.To hear more from Manoush, listen to TED Radio Hour wherever you get your podcasts. Check out her new book, Body Electric, to learn more about the hidden health costs of the digital age. Hosted on Acast. See acast.com/privacy for more information.

Step into a deeply honest, courageous, and eye-opening conversation with Ralph Brewer, founder of Help For Men and creator of Dad Starting Over, on this episode of Intimate Conversations: Dark Night to Divine Light. Ralph's work has helped hundreds of thousands of men rebuild their confidence, heal after divorce, navigate relationship breakdowns, and rediscover themselves through personal responsibility rather than blame. Drawing from his own painful journey through infidelity, divorce, co-parenting, and emotional healing, Ralph shares how what once felt like the greatest failure of his life ultimately became the foundation of his life's purpose. What began as surviving a devastating marriage evolved into mentoring men around the world toward healthier relationships—with themselves first. Together, Allana and Ralph explore the hidden dynamics behind "dead bedrooms," emotional disconnection, anxious attachment, codependency, and the patterns that quietly destroy intimacy long before relationships end. Ralph vulnerably explains how many men unknowingly become trapped in people-pleasing, reassurance-seeking, and "Nice Guy Syndrome," only to realize that true attraction begins with becoming emotionally secure rather than trying harder to earn love. The conversation moves beyond relationship advice into something much deeper: self-awareness. Rather than focusing on blaming a partner for betrayal or emotional distance, both Allana and Ralph discuss the transformative power of radical ownership. They explore how healing begins when we become willing to examine our own blind spots, attachment wounds, fears, and unconscious behaviors without excusing harmful actions from others. Throughout the episode, they unpack why so many people ignore their intuition in relationships. Ralph shares how insecurity often causes us to overlook obvious warning signs because we fear losing love more than we value listening to ourselves. Together they discuss the importance of learning to trust uncomfortable feelings rather than immediately trying to suppress or escape them. A powerful part of the discussion centers on emotional healing and the courage to simply feel. Ralph explains that many men are conditioned to suppress grief, fear, sadness, and vulnerability, believing strength means emotional silence. Instead, he argues that emotional resilience comes from allowing difficult feelings to exist without immediately trying to fix, numb, or avoid them.  Allana beautifully expands on this idea by exploring how unprocessed emotions become stored within the body and eventually impact our relationships, health, and overall well-being. She explains how healing the emotional body often transforms physical symptoms, confidence, posture, intimacy, and self-worth in ways many people never expect. The conversation also explores what happens when genuine personal growth changes the trajectory of a relationship. Ralph explains that as many men become healthier, more emotionally secure, and more authentic, they sometimes discover that their relationship was built on unhealthy foundations. While painful, they discuss how choosing truth over comfort can become one of the greatest acts of love—for themselves, their children, and even their former partners. Allana and Ralph speak candidly about conscious uncoupling, raising emotionally healthy children, and releasing the shame often associated with divorce. Rather than seeing the end of a relationship as failure, they invite listeners to view it as an opportunity for growth, accountability, compassion, and creating healthier models of love for future generations. The conversation concludes by highlighting the importance of community, mentorship, and authentic male friendship. Ralph shares why he created The Brotherhood—a space where men can openly discuss struggles that are rarely spoken about elsewhere, receive support without judgment, and learn that vulnerability is not weakness but one of the greatest expressions of courage. We also talk about: Healing after infidelity and divorce Dead bedrooms and emotional disconnection Codependency and "Nice Guy Syndrome" Radical self-ownership Learning to trust intuition Sitting with uncomfortable emotions Physical health and emotional well-being Masculinity and emotional vulnerability Conscious uncoupling and co-parenting Personal responsibility versus blame Brotherhood, mentorship, and community Becoming secure from within rather than seeking external validation This episode is a powerful reminder that healing doesn't begin when someone else changes—it begins when we become willing to face ourselves with honesty, compassion, and courage. Sometimes the path to finding real love begins by learning that you are already enough. About Ralph: Ralph Brewer is the founder of Help For Men and creator of Dad Starting Over, two influential platforms supporting men through divorce, dead bedrooms, and modern relationship breakdowns. He is the author of five books, including his most recognized title, The Dead Bedroom Fix, which has earned hundreds of 5-star reviews on Amazon and become a go-to resource for men ready to reclaim their confidence and clarity. Ralph combines honest storytelling with practical guidance—offering mentorship, not therapy—to help men rebuild their lives, relationships, and self-worth. Through coaching programs, digital courses, and his private Brotherhood community, he provides tools men can actually use. Whether you're divorced, stuck in a strained marriage, or just feeling invisible, Ralph's message meets men where they are—and calls them to lead themselves forward.   Connect with Ralph: Website www.helpformen.com Facebook URL www.facebook.com/realhelpformen Instagram URL @realhelpformen YouTube URL @realhelpformen Twitter URL @realhelpformen Go deeper with me inside The Intimate World. patreon.com/AllanaPratt #TheIntimateWorld

Some conversations feel like they're years in the making. This one has been nearly three decades.John Feldmann, frontman of Goldfinger, Grammy-nominated producer, songwriter, A&R visionary, and one of the most influential architects of modern punk rock- joins me for a conversation I'll never forget.Goldfinger has been part of my life since the late '90s. I saw the band tear through Midwest clubs, covered their songs with my own ska band, watched them become one of the defining acts of the third-wave ska movement, and years later found myself introducing their music to my son, who insisted on hearing "Mable" (or as he called it, "the She's the bomb song") every time we got in the car. Sitting down with John felt like one of those rare full-circle moments that reminds me why I started Caught On The Mike.We dive into Goldfinger's incredible journey, the stories behind the band's longevity, and the making of their latest album, Nine Lives. John also pulls back the curtain on a career that extends far beyond Goldfinger. As a producer and songwriter, he's helped shape the sound of generations, working with artists including Blink-182, Good Charlotte, The Used, Story of the Year, 5 Seconds of Summer, All Time Low, Panic! At The Disco, Sleeping With Sirens, Black Veil Brides, Avril Lavigne, and countless others. We talk about discovering talent, making timeless records, navigating an ever-changing music industry, and what separates artists who last from those who fade away.Whether you know John Feldmann as the voice of Goldfinger, the producer behind some of the biggest rock records of the last 30 years, or the creative force who has helped launch and develop countless artists, this is a conversation about passion, perseverance, reinvention, and leaving a legacy that continues to inspire musicians and fans alike.www.caughtonthemike.comcaughtonthemike@gmail.com 

The Phantom, Dossy, and Five Names are joined by the current number 1 overall coach (Jamie, coach of StupidSexyFlanders) to discuss his season so far. Sitting 76 points clear with three weeks left, the lads talk about his starting team, trade strategy, how he's handling the pressure up top, and how many trades he has left... Plus, all your favourite segments, including What's the Goss with Dos, Unique Names with Five Names, and The Phantom's Phry Pan! The Phantom also releases a new song in honour of the Chief's latest meltdown in the group chat. Latest SuperCoach news and trade advice: linktr.ee/supercoachafl Watch on the CODE Sports YouTube channel! Drop your Lare Mare voicemail via SpeakPipe. SuperCoach Plus: supercoach.com.au/sc-plus CHAPTERS:Round recap (00:00)Heroes and villains (03:00)Lair Mare of the Week (07:00)Rankings update! (08:00)What’s the goss with Dos (10:30)A chat with the number one coach! (16:20)The Phantom’s Top targets (21:00)Unique Names with Five Names (25:45)The People’s Choice (27:00)The Phantom’s Fry Pan (29:00)New song “Salt” by Phantom (31:30) Hosts:The Phantom: @ThePhantomSC /X | @ThePhantomSC /IGSimeon Thomas-Wilson: @Simeon_TW /X | @FiveNamesFantasy /IGDos: @HKDos /X | @dossySC /IG Produced by Haydn Kenny. Recorded on Monday August 3, 2026. Lyrics to "Salt" by The Phantom Luke Hackson ruining my flawless chief cup campaign. How the **** does Hackson get 100 fantasy and 2 goals and only 77. Dossy need a Matt Rowell miracle. Yeah simmy with three all time flukes starting off with Ollie Bumpsey having a career night. Season best scores for flukey sim so far. Aliir aliir you **** serious. Dossy goin out in chief off an asterisk win. Bergman first tonne of the year. Dossy loving Bowey in classic but getting murdered at the same time in draft. Beyond flukey. Sim got no right. The fact I didn’t use a waiver on Herbert too coz I wanted to save my priority for the next week of finals. I reckon I had a higher priority than sim too. We had four 1,500 scores for the entire season (Daddsy 2, Ant 1, Dossy 1). My finals opponents: 1598, 1502. Collusion. You’re right. Simmy gonna drop a 1200 in the prelim while dossy getting 1500 eliminated. Asterisk confirmed. What a waste. Follow SuperCoach AFL on Instagram. Follow SuperCoach AFL on TikTok. Follow SuperCoach AFL on X. Like SuperCoach AFL on Facebook. Subscribe on CODE Sports YouTube Channel. See omnystudio.com/listener for privacy information.

What happens when you pray your heart out, but the miracle never comes?0:00 – Intro: Faith. No filter.0:39 – Ness's heart block miracle2:09 – Sitting with the team who don't get healed6:00 – Challenging rigid religious systems9:00 – The guilt of selective healing15:00 – The exhaustion of unanswered prayers17:22 – “God is not Oprah”21:00 – The mystery of divine timing24:00 – Validating anger toward God26:41 – Finding hope in permanent lossIn this episode of Filthy Hope, hosts Rev Ness Williams-Henke and Rev Jon Humphries sit on opposite sides of the same question: Are miracles real? In this raw, unfiltered conversation, our hosts dive into the spectrum of miracles and the painful realities of faith. Balancing Ness's shocking cardiac recovery with Jon's lived experience of losing his father to cancer, they dissect why the church's traditional vocabulary around divine healing often leaves grieving people out in the cold.Instead of hiding behind generic platitudes, the hosts track the messy journey through physical agony, survivor's guilt, and the mystery of a God who sometimes provides logistics while leaving the disease untouched. Ultimately, this conversation reframes the ultimate miracle: not as a magical exit from human suffering, but as the stubborn ability to find joy, connection, and grace right in the middle of our harshest realities.#FilthyHope #FaithNoFilter #ChristianPodcast #GritAndGrace #Miracles #UnansweredPrayer #GriefAndLoss #FaithAndDoubt #DivineHealing #UnitingChurch

Sunday AM  August 2, 2026

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3484: Dr. Neal explains that while 7-minute workouts are a practical solution for people with limited time and can help build a consistent exercise habit, they aren't a complete replacement for longer cardio or strength-training sessions. He explores how these high-intensity workouts fit within established physical activity guidelines and why combining them with moderate-intensity exercise offers the greatest health benefits. Quotes to ponder: "All movements are valuable. Sitting less and moving more consistently is the key." "Based on studies so far, we shouldn't expect a 7-minute workout to lead to large improvements in our overall fitness levels. But, again, something is better than nothing." "Too much high intensity activity can lead to burnout or injuries. Not incorporating any higher intensity activities may slow down our progress or prevent us from reaching our full potential." Episode references: Physical Activity Guidelines for Americans, 2nd Edition: https://health.gov/our-work/nutrition-physical-activity/physical-activity-guidelines World Health Organization – Physical Activity: https://www.who.int/news-room/fact-sheets/detail/physical-activity American College of Sports Medicine (ACSM): https://www.acsm.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Lesley Logan opens this FYF episode with an honest admission that everything takes longer than you want it to, even when you trust it will work out. From there she turns to gratitude, celebrating the round six eLevate group and two students who reclaimed overhead exercises they had not done in years. Their success came from staying curious rather than assuming the door had already closed. It is a warm, grounded case for honoring the wins right in front of you. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Lesley's honest moment about things taking longer than planned.Round six eLevate crew in their five weekends of education.Celebrating her team's achievement and integration of a new hire.Spring training students land overhead exercises missing for years.Taking the win gets harder when you compare to who you used to be.Episode References/Links:UpLift Waitlist - https://xxll.co/uwsSubmit your wins or questions - https://beitpod.com/questions If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  It's Fuck Yeah Friday.Brad Crowell 0:01  Fuck yeah.Lesley Logan 0:02  Get ready for some wins. Lesley Logan 0:05  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:49  Hello, Be It babe. Welcome back to your Fuck Yeah Friday episode. These are kind of fun for me. I hope you're loving them. I would love to know if you're liking the new style, the new topic, the new "I need a moment," or if you preferred when I would rant about something I saw on the internet. I don't know. You let me know. This podcast is supposed to be for you. Otherwise, I'm just talking to myself. And by the way, I do that a lot because after this, I'm filming a YouTube episode, and then after that, I'm filming OPC classes. So I talk to myself a lot. So I would like to know if what I'm talking to myself about in this room is actually meaningful for you. So definitely let us know. You can send your wins in, or your topic suggestions or requests, to beitpod.com/questions. You can send anything there. And we've had lots of people go, "How do we support the show? We don't do Patreons." We got a lot going on. You can support the show a number of different ways. OPC, being a member of that is definitely one of the best ways you can support the show. That is the most meaningful, wonderful way to support this show. If that is something you're already doing, or if it's not and it's in the picture for you right now, another way to support the show is just subscribe on YouTube. You can subscribe to our show. You can subscribe to our Online Pilates Classes YouTube channel. Those are free. YouTube.com/@OnlinePilatesClasses, and then the Be It Pod is its own handle, so you can check those out and subscribe. Those are free. That's a great way to support. Some people are like, "How do I support charities that have no money? You have time." "I don't have time." "Well, then you have friends who have got time." "I don't have..." You have people in your life you can donate your sheets to. There are ways to support if you don't have time and money and lots. Sometimes it's just telling people about the thing that you love, or the thing that you want to support, or the thing that needs support.Lesley Logan 2:22  So, all right, my "I need a moment" for today. Honestly, I really don't like that, we know once you get to a certain age, you realize that everything takes longer than you want, but you don't want it to, right? Everything takes longer than it's supposed to, but you don't want it to, and so I'm just frustrated because everything, everything, everything, everything is just taking longer than I want. And I know it's all going to happen the way it's supposed to. I know it's all going to work out the way it's supposed to. I know, but I hate how long things are taking. Just a month ago, I had this one contract that we thought was done 17 times. That's how many times we thought it was done, it got kicked back, and it got kicked back, and it got kicked back, and just like, I want to check this off the sheet. Why is this taking so long? And then on top of that, I had this other thing that I was doing, and it was supposed to get here on this date, and then it was on that date, and then this date. And it's like, okay, you're stressing me out. Now you can see why I lie to you about when things are due, so that I can get it when it needs to be done. Because my goodness, if I told you the real date, you would miss the real date and you'd fuck me over. And so I just hate that everything takes longer than you want to. And even when you know it, it's still disappointing. It just is.Lesley Logan 3:39  All right. So enough of the ranting. Enough of the "I need a moment." My win is that we are heading into the fifth weekend of eLevate. So round six is all their education will be done after this weekend, which is insane. They still have their assessments to do and things like that. We still have loads of fun to have with them with their final assessments. But the learning of 500-plus exercises, they will have wrapped that this weekend. And to have done six rounds of this and still love it, I think, not to still love it, but to be so excited for the next one, it's just, I feel really lucky to get to do what I do, and that people are enjoying it. And it's been a really busy work season for me. This year is a really head-down, get-the-work-done year between the upLift beta program, getting things ready for the educators to apply this in the fall, and just really a lot going on there. And to be able to be present for all of my different projects is a massive win. And to just take a moment to celebrate what the round six peeps have done is important. And I'm really proud of them. I'm proud of the team. During their program, we had one of our major players on maternity leave and a new teammate come on, and I'm just so proud of the work that they have been doing together to make sure that program is as enjoyable as when it's been past team members and things like that. So they're just great. I'm really, really grateful, and what a win! So, yeah, I'm sitting here in a lot of gratitude for what I get to do, and really proud of that.Lesley Logan 5:27  So the two wins I want to celebrate came through our spring training. We had two different people in two days have success doing overhead exercises that have been outside of their practice for years. And so, ladies, you know who you are. One gave a shout-out on Wednesday afternoon, and one on Thursday morning, end of the spring training event. And their wins are because they showed up for themselves. They were curious. They were focusing on the connections, and they didn't get in their head about, "Well, I haven't been able to do that in two years, so I can't do it today, so I'm not even going to try." They were listening to all the different teachers and all the different classes ahead of them, and really getting involved in it, getting interested in it, getting into it. And then because of that, they were able to listen to their body and go, "You know, maybe I'm going to try ." And I just want to say thanks for trusting us. And then, on top of that, thanks for celebrating and sharing with us, so we could celebrate you. It's really easy to compare yourself to your old self, to the body you used to have, and the things and exercises you used to be able to do, and then not take the win when you have it because, well, three years ago you could do that, and then some. And that's how the world would want you to do it, right? That's how people are raised. It's like, "Well, of course, you should be able to do that by now," and that's bullshit to me. To me, we will have exercises and abilities that will go in and out of our lives. Some will be in and out. Some will be out forever. Some will be in forever. We have to celebrate what we can do. We have to take a moment to do that each and every day because it's already hard. Life's already hard. So thank you to my ladies in spring training who shared their overhead success with us. It was fun for us to celebrate with you those classes, and I've just been thinking a lot about you as I've been recording wins for this month, and I just had to shout you out because I'm really proud and impressed by you. So thanks so much.Lesley Logan 7:26  All right, send your wins in, my loves, to beitpod.com/questions so you can hear it on a day you need to. And your mantra for the weekend is I am lightening my load. I am lightening my load. I am lightening my load. Yes. So if you are feeling like lots of things are exiting your life right now, it's because you're lightening your load. So let it. Thank you so much, my love. Share our podcast with friends who need to hear it. And until next time, Be It Till You See It.Lesley Logan 7:54  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 8:36  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 8:41  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 8:46  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 8:53  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 8:56  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

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Heather Hart, owner of MIDÉ Integrative Therapies in downtown Spokane, has created a space and mental health practice that serves the whole person. Sitting down with her, you'll hear about healing parts of yourself, mindset tips, and ways to return to yourself. MIDÉ Integrative Therapies: https://www.mideintegrativetherapies.com/Episode Sponsors: Vacay Whitefish: https://vacaywhitefish.com/Midé Integrative Therapies:https://www.mideintegrativetherapies.com/Spokane International Airport: https://spokaneairports.net/LINC Foodshttps://www.lincfoods.com

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3484: Dr. Neal explains that while 7-minute workouts are a practical solution for people with limited time and can help build a consistent exercise habit, they aren't a complete replacement for longer cardio or strength-training sessions. He explores how these high-intensity workouts fit within established physical activity guidelines and why combining them with moderate-intensity exercise offers the greatest health benefits. Quotes to ponder: "All movements are valuable. Sitting less and moving more consistently is the key." "Based on studies so far, we shouldn't expect a 7-minute workout to lead to large improvements in our overall fitness levels. But, again, something is better than nothing." "Too much high intensity activity can lead to burnout or injuries. Not incorporating any higher intensity activities may slow down our progress or prevent us from reaching our full potential." Episode references: Physical Activity Guidelines for Americans, 2nd Edition: https://health.gov/our-work/nutrition-physical-activity/physical-activity-guidelines World Health Organization – Physical Activity: https://www.who.int/news-room/fact-sheets/detail/physical-activity American College of Sports Medicine (ACSM): https://www.acsm.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when the most important conversation in a family never takes place? In this episode of The Valley Current®, host Jack Russo reflects on the losses of his father, brother, and mother, and the lessons those moments taught him about wealth, legacy, and love. Sitting at his 93-year-old mother's kitchen table, Jack discovered that even a lifetime of legal experience could not undo years of postponed conversations and outdated estate planning. He explains why the most important part of any estate plan isn't the trust, the will, or the tax strategy; it's the conversations shared around the kitchen table while there's still time. Blending practical legal insight with human stories, this episode reminds us that the greatest inheritance we can leave our families isn't simply financial security, but the clarity, confidence, and peace that come from knowing our wishes and understanding our values. Jack Russo Managing Partner Jrusso@computerlaw.com www.computerlaw.com https://www.linkedin.com/in/jackrusso "Every Entrepreneur Imagines a Better World"®️  

Chelsea shows up to the Fourth of July with a "very loose theme" — fireworks and patriotism in horror — and then, somehow, makes it cohere. Blow Out, I Know What You Did Last Summer, and Final Destination 3 have nothing to do with each other until you notice they're all doing the same trick: pointing your eyes up at the pretty lights while something ugly happens at ground level.So we get into it. Is Blow Out even a horror movie, or just De Palma at his most gorgeous and most pervy, making a movie about making a movie? We defend I Know What You Did Last Summer despite ethical math that reads like it was written by a '90s AI — and land on why we love it anyway. And we finally give Final Destination 3 its due as a Rube Goldberg machine of presorted cruelty that dares you to enjoy it.Threaded through all three: the illusion of safety in a crowd, the discovery that surviving the accident is the actual nightmare, and a TikTok ride operator who should absolutely not be employed. Also, Kynan watched his first summer slasher and lived to tell about it.Links & NotesOur prior Final Destination episode: Death Edging with the Films of Final DestinationOur papa podcast's breakdown of Talk to MeBlow Out - Apple TV | Amazon | LetterboxdI Know What You Did Last Summer - Apple TV | Amazon | LetterboxdFinal Destination 3 - Apple TV | Amazon | LetterboxdView Our List on Letterboxd (00:00) - Welcome to Sitting in the Dark (01:32) - Blow Out (23:20) - I Know What You Did Last Summer (42:24) - Final Destination Part 3 (59:28) - Coming Attractions Support The Next Reel Family of Film Shows:Become a member for just $5/month or $55/yearJoin our Discord community of movie loversThe Next Reel Family of Film Shows:Cinema Scope: Bridging Genres, Subgenres, and MovementsThe Film BoardMovies We LikeThe Next ReelSitting in the DarkConnect With Us:Main Site: WebMovie Platforms: Letterboxd | FlickchartSocial Media: Facebook | Instagram | Threads | Bluesky | YouTube | PinterestYour Hosts: Chelsea | Kyle | Kynan | Pete | Tommy Shop & Stream:Merch Store: Apparel, stickers, mugs & moreWatch Page: Buy/rent films we've discussedOriginals: Source material from our episodesSpecial offers: Audible

In this School of Doza episode, we break  down the loop between stubborn belly fat and low testosterone: fat tissue raises aromatase activity, converts testosterone into estradiol, and releases inflammatory signals that can suppress the brain-to-testes axis. He then walks through five everyday factors pushing testosterone the wrong direction—alcohol, fast food, sugar, sitting, and poor sleep—and what to change first when energy, motivation, and workouts have all quietly flattened out. FEATURED PARTNER Zen by MSW Nutrition is the adrenal and adaptogen formula Nurse Doza reaches for when stress is the thing driving the loop. Every one of the five factors in this episode—alcohol, processed food, blood sugar swings, sedentary days, broken sleep—lands on the same stress-response system that sits upstream of hormone signaling. Zen pairs bovine adrenal concentrate with Asian ginseng, eleuthero, schisandra, and rhodiola, plus 150 mg of pantothenic acid, P-5-P (activated B6), and vitamin C, to support the body's adaptogenic response and normal adrenal function—without caffeine.

On this week's Totally Extra: This one's for the foot-fetishists, the girls are sucking their own toes live on the pod. We're also banning "hollibobs" and a man paid £14 for two bags of crisps and a water at Stansted - daylight robbery!Plus, a woman is paying her mortgage writing paragraph-length penis reviews, there's a limescale kettle Petty Polly for the office prick, a woman tried a sexy surprise and her boyfriend has been left literally scarred, the summer sex tally update (Anna traded a quickie for a massage), a genius 'get out of sex' hack from a woman with back problems, and a man simply can't tell his wife her rosemary and orange birthday cake was the worst thing he's ever eaten.It's time to get TOTALLY EXTRA. Extra chat, extra rants, extra bants, extra stories, nonsense and more.LuAnna: The Podcast is a Global production, available every Monday and Thursday on Global Player, YouTube or wherever you get your shows. Make sure you subscribe so you never miss an episode.Remember, if you want to get in touch you can:Email us at luanna@everythingluanna.com OR drop us a WhatsApp on our NEW NUMBER: 07521564640Please review Global's Privacy Policy: https://global.com/legal/privacy-policy/

The U.S. needs 400 GW of new capacity over the next two decades. Michael Grasso, CEO and founder of Grid Rails, tells Tim Montague that roughly twice that much flexible capacity is already plugged in, and explains why only 20% of eligible devices are enrolled in virtual power plant programs today.Data centers, EVs, heat pumps, and new construction are pushing U.S. electricity demand up by roughly 50%, about 400 gigawatts over the next two decades. The reflex answer is to build more generation. Michael Grasso thinks we are solving the wrong problem.Grasso is the CEO and founder of Grid Rails, and he spent 17 years getting to that conclusion. He helped deploy the first residential storage batteries at Sunrun, first on LG Chem hardware and then on Tesla, and he ran the largest residential storage virtual power plant in the country at Sunnova, supporting Luma's grid in Puerto Rico. His argument: the flexible capacity sitting inside the devices causing the load growth is close to double the load growth itself. What is missing is the orchestration and settlement layer that turns those EVs, batteries, thermostats, and water heaters into dispatchable grid capacity, and pays the consumer for it in real time instead of months later as a buried bill credit.Thirty-four states now have some form of demand response or VPP program on the books, and by Grasso's numbers, only about 20% of eligible devices are actually enrolled. Tim pushes hard on why, and on whether any of this pencils for a homeowner who does not want one more app sending notifications.What you will learn:Why 80% of eligible devices are still on the sidelines, and why Grasso calls that a program design problem rather than a hardware problemHow real-time settlement changes consumer behavior, and what it unlocks for utilities beyond incentives: collateral, cost of capital, bad debt, and new products like prepaid or unlimited EV chargingWhy Grid Rails is built for the moment a customer opts out, not for constant notifications, and how opt-out recovery keeps programs from quietly bleeding participantsThe ERCOT math driving utility urgency: roughly $50 per MWh bought forward against spot exposure that can run to $5,000What Grasso says a simple VPP application is worth to a household, around $500 a year in most markets and into the thousands in some, and why he thinks a more dynamic market leaves a lot more on the tableWhy per-device budgets matter, from capping EV charging at $15 a week to holding air conditioning to 20% of the billGrasso points to headlines warning that the largest utility in the country is signaling blackout risk as soon as 2027, and treats that as the pressure finally moving utilities toward orchestration. Tim comes at it as a customer, not an analyst: he does not have a battery yet, his own rate just jumped 25%, and he wants a number before he buys. That exchange is the heart of the episode.Connect with Michael Grasso, Grid RailsMichael Grasso | LinkedIn: https://www.linkedin.com/in/michaelpgrasso/Grid Rails: https://gridrails.ai/Email: hello@gridrails.ai Support the showConnect with Tim  Clean Power Hour  Clean Power Hour on YouTubeTim on TwitterTim on LinkedIn Email tim@cleanpowerhour.com Review Clean Power Hour on Apple PodcastsThe Clean Power Hour is produced by the Clean Power Consulting Group and created by Tim Montague. Contact us by email:  CleanPowerHour@gmail.comCorporate sponsors who share our mission to speed the energy transition are invited to check out https://www.cleanpowerhour.com/support/The Clean Power Hour is brought to you by CPS America, maker of North America's number one 3-phase string inverter, with over 6GW shipped in the US. With a focus on commercial and utility-scale solar and energy storage, the company partners with customers to provide unparalleled performance and service. The CPS America product lineup includes 3-phase string inverters from 25kW to 275kW, exceptional data communication and controls, and energy storage solutions designed for seamless integration with CPS America systems.  Learn more at www.chintpowersystems.com

With Josh Tomolak, Vice President of Independent Advisor Services, Diamond Consultants Louis Diamond and Josh Tomolak unpack today's IBD vs. RIA landscape, explaining what has changed, where each model excels, and how to determine which path best supports the business you want to build. In Summary The independent wealth management landscape has changed dramatically, making the decision between an independent broker dealer (IBD) and an RIA more nuanced than ever before. Louis Diamond welcomes Diamond Consultants' Vice President of Independent Advisor Services, Josh Tomolak, for a practical discussion of how the independent space has evolved, what truly differentiates the IBD and RIA models today, and how advisors can evaluate which path best aligns with the business they want to build. The Storyline Not long ago, the decision to become independent was relatively straightforward. Advisors either remained with a traditional firm or pursued independence through one of a limited number of models. Today, the conversation is far more complex. Independent broker dealers have significantly expanded their capabilities, offering stronger technology, larger transition packages, greater flexibility, and even pathways to RIA ownership. At the same time, the RIA ecosystem has matured into a sophisticated marketplace supported by multiple custodians, outsourced service providers, institutional capital, and enterprise platforms that rival many of the industry's largest firms. As these developments have unfolded, the traditional distinctions between an IBD and an RIA have become less obvious. Advisors evaluating their options are no longer simply asking whether they should become independent—they're asking which model best supports the clients they serve, the business they envision, and the lifestyle they want to create. In this Industry Update, Louis and Josh unpack the realities behind the IBD vs. RIA decision. They discuss where the two models overlap, where meaningful differences still exist, and why factors like service, technology, economics, operational responsibility, enterprise value, and long-term optionality often matter more than labels alone. Whether you're considering changing independent firms, launching your own RIA, or simply want a better understanding of how the independent landscape has evolved, this conversation provides an objective framework for evaluating today's choices—and preparing for tomorrow's opportunities. Topics Covered Independent Broker Dealer (IBD) vs. RIA models The evolution of supportive independence Technology investments across the independent space Transition support and advisor mobility Capital solutions and recruiting economics Business formation and enterprise value Launching an independent RIA Multi-custodial platforms and open architecture Minority investments and succession planning Future trends shaping advisor independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are already-independent advisors reconsidering their current model? (5:27) Josh explains why service, technology, economics, and growing optionality are causing advisors to reevaluate their existing affiliations. How have independent broker dealers and RIAs become more alike? (19:28) Louis and Josh discuss the growing convergence between the two models and why the distinction is becoming less obvious than many advisors assume. What really separates an IBD from an RIA? (25:04) A practical discussion of autonomy, compliance, flexibility, custody, economics, and advisor experience. What misconceptions keep advisors from launching an RIA? (36:29) Josh outlines the “Four Pillars” of launching an RIA and explains where advisors tend to either overestimate or underestimate the operational realities. Which advisors thrive most in each model? (33:12) The conversation explores why there isn't a universally “better” model—only one that's better aligned with an advisor's goals. What trends are quietly reshaping independence? (42:13) Minority investments, enterprise value, business formation, and changing revenue models may have an even greater impact than advisors realize today. Key Takeaways Independence has evolved from a destination into an ongoing strategic decision. Independent broker dealers have significantly improved technology, transition support, economics, and flexibility. The RIA ecosystem has matured into a highly sophisticated marketplace with broad outsourcing and support options. Choosing between an IBD and an RIA should begin with long-term business objectives—not industry perceptions. Building a valuable business depends more on business structure and scalability than simply growing assets. Advisors considering independence should evaluate models with an open mind rather than relying on outdated assumptions. The next decade will likely bring continued convergence between independent business models. https://youtu.be/jHDVso2TsmQ Quotable Moments “The question is no longer, ‘Do I want to go independent?' The question is, ‘What kind of independence makes the most sense for my clients, business, and goals?'” “Business formation is far more important than assets under management.” “The way you build your business will ultimately determine how valuable that business becomes.” “Everything in an RIA is going to cost you either your time or your money.” FAQs Is there still a meaningful difference between an IBD and an RIA? Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Why are more independent advisors changing firms today? Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Is launching an RIA easier than it used to be? Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. Does every entrepreneurial advisor belong in the RIA model? No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. What matters more: assets under management or how the business is built? Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. What's the biggest mistake advisors make when evaluating independence? Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Related Resources IBD vs. RIA Comparison Guide IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and goals?” Josh shares what he’s seeing across the landscape, the misconceptions that continue to shape advisor thinking and the factors that matter most when evaluating the next chapter of an independent business. There’s a lot to discuss, so let’s get to it. Josh, thanks for joining me today. Joshua Tomolak: Thanks for having me, Louis. It’s a real privilege to have come. This is a full circle moment for me going from being a student of your podcast, to working alongside you, to being a guest. So I appreciate you having me. Louis Diamond: Amazing. I’m excited for this one too, because you have a fresh and in the weeds perspective that a lot of our guests simply don’t have. So why don’t you start off, you spend your time helping advisors evaluate independence every day. So working with advisors who are already independent, for the most part. And to me, it feels like the independent space has really evolved dramatically over the last decade. I mean, this podcast is really the epicenter of that to prove that out, but give us a little background on your past roles in the space and then we can get into what you’re seeing right now. Joshua Tomolak: Yeah, I’d be happy to. So I took a very non-traditional path into wealth management. I spent a decade as a deep sea Navy diver, and upon completing my service there, I ended up working for TD Ameritrade. And in my role there, I spent about six years doing nothing but helping financial advisors explore the RIA space, whether that was to join or partner with an RIA, sell to an RIA, or in most cases, launch their own RIA. And one of the things that I ultimately came to terms with is it’s just not the right model for everybody. While I’m a huge advocate for it, we would often lose business to the major broker-dealers of the world. And at the time, I really didn’t understand why. In the last six years at Diamond Consultants has been a very interesting purview into what a lot of the broker-dealers have done and are doing to make themselves more RIA-ish and be very compelling to the right advisor. Louis Diamond: Perfect framing. Your background is incredibly germane to the folks you work with. So let’s start off with the softball here. What are you seeing right now? Joshua Tomolak: It’s not so different than the rest of the industry, the wirehouses, the regional firms, things of that nature, that if you took 10 firms, they’re all likely to go different directions, even if they were identical practices. That could be… A third would go from an independent broker-dealer to another independent broker-dealer. Certainly the supported RIA space is growing every day and has created a lot of very fun and unique solutions for advisors, very customized and curated. And then I think there’s still a lot of really great sophisticated teams and individual contributors that are making the decision to go hyper entrepreneurial and launch their own individual RIA. So the movement’s really all over the board from my perspective. Louis Diamond: It does feel like it’s no longer independence is an alternative option or it’s on the fringes. It’s very front and center whether for breakaways, which is a big topic on our podcast, but in general, the infrastructure has become much, much more sophisticated today than ever before. Advisors have way more tools in their toolbox to serve clients, whether in the private markets or through technology. And it’s no longer that if an advisor’s independent, they’re in the minor leagues where they don’t have the same ability to serve clients like they did if they’re at a big bank or a private bank or a wirehouse. Do you agree? Joshua Tomolak: I absolutely agree. And I’m reminded of a question I got one time from a great team that I worked with in New York. They asked me, “Are there really more options than ever before? Because all we see is one firm selling to another.” And I think that’s a really great point. There’s far less broker dealers on the street than there were even five years ago. But for every Commonwealth, for example, that sells to an LPL, up pops three or four really cool private equity-backed, sophisticated RIA platform firms that are built to service their own unique advisor base. Louis Diamond: I think that’s right. Sitting on the sidelines, sitting on top of everything going on in the industry, I feel like capital is always an interesting topic forever. If an advisor wanted to move within the independent world or break away from a big firm to go independent, the only way to get capital was to go to an independent broker dealer. So we still see that, but I feel like today between all these minority acquisition opportunities, we’re seeing firms acquire practices at time of transition, which is somewhat new. There’s debt solutions, recruiting deals are way up for firms that are paying forgivable loans. RIAs now would, in some cases, will pay a forgivable note. What are you seeing there as far as the availability of capital and just deals in general? Joshua Tomolak: It’s a great question and I didn’t want to take the low-hanging fruit, but capital’s been a huge innovation, I guess, in the last five years I’d say. Just to give you rough quotes, please don’t hold me to it, but traditional transition broker-dealer deals were five years ago, 40 to 60% of Trailing Twelve revenue today are somewhere between 90 and 120%, sometimes north of that for the right team. That’s really meaningful money for the team that is thinking about foregoing a wirehouse deal, for example. I’d also say a lot of these firms are getting hyper-creative in how they solve for capital. The minority investment piece that you mentioned is very interesting. We’re seeing a lot of privatized forgivable notes in the RIA space where third-party or private lenders are basically lending the money and the RIA is making the payments on that forgivable note as long as the advisor is affiliated with them. So there’s been a recognition among the RIA space to get away from the, “Oh, they just took a check” type of mantra, and to say, “Look, I understand there are capital needs. These people are taking a risk. We need to solve for that.” So we’ve seen a lot of that in the marketplace. Louis Diamond: Very interesting. I think another thing financially, and then we’ll keep the train moving, that I know I’ve seen, and maybe you can weigh in if you’ve seen the same, is the cost to an advisor or a business owner to join an independent BD or to join an RIA has come way down, probably in part because of Schwab going to zero on trading. That’s been a catalyst. But it feels like we used to say independent BDs were expensive relative to the RIA world. And in some cases, they certainly could be. And if you’re at scale, maybe you can pick up a point or two being in the RIA world versus a BD. But when you have some of these BDs that have a basis point admin fee or no admin fee at a certain size and the payouts I feel like are similar, maybe have gone up a little bit, but it’s more so like the administrator fees, the platform fees, the program fees. Anyone who’s not in that world, it’s like, “What are you talking about?” But basically the way that these broker-dealers make money, it seems like there’s been a pretty big differential in the exchange of value where advisors now get more services, better technology, get more money to join them and get it at a lower cost. Do you agree? Joshua Tomolak: I absolutely agree. I think that maybe that’s one of the larger changes that we’ve seen, and it’s probably one of the benefits from a lot of the industry consolidation on that independent broker-dealer side. The economies of scale of these folks have allowed them to increase their tech spend, increase their service capacities all while offering it to the advisors at a cheaper price. And when I was at TD Ameritrade, one of the biggest pitches was the idea of a 100% payout and you control the fixed expenses, your technology compliance, et cetera. But what’s changed is that broker-dealers are pretty darn comparable on the expenses. All of those admin fees and things you mentioned will still exist, but they’re on a much smaller scale. And I think the question a lot of advisors are asking is, “Am I getting congruent value from my broker-dealer for what I pay for?” And while that answer might’ve been no a couple years ago, today the answer is more often yes. Louis Diamond: Yeah, I would agree. A lot of times we work with advisors who are starting an RIA or affiliating with an RIA or going to a BD and they see how big the deals are in the independent BD world and the payouts are really high and the fees are relatively low. And honestly, it is a hard decision or calculus to make, like, “How does it make sense for me to turn down this extremely lucrative deal when my ongoing economics are going to be somewhat similar in the BD world versus in the RIA space?” I think it’s just an interesting dynamic and we’ll get more into that distinction. One of the stars of the show right here is we’ve seen a ton of advisor movement across the industry. Our annual advisor transition report said that in 2025, over 11,000 experienced advisors changed firms, which is a large number. A lot of those numbers are within the independent world. So advisors who are 1099 through a BD or through an RIA transitioning to another platform or organization or starting an RIA. So why do you think we’re seeing so many advisors reconsider their current firm or their platform or their broker-dealer today than in years past? Joshua Tomolak: It’s a jarring number. 11,000 is definitely a significant amount of advisor movements. To me, it comes down to a few things, but I will say that it’s almost always a conglomeration of pushes and pulls. Pushes being inherent frustrations with your status quo, pulls being the new sexy, shiny things that you see in the marketplace that could be really impactful for your business. To me, it typically comes down to one of three things, at least on the push front, that drives advisors to movement. Service being number one, technology being number two, and economics being number three. And if we were just going to unpack those, I think service being, “Can you call somebody that knows your business, that knows your name? Are you getting the correct answers? Are you being pushed through a phone tree? And even if you’re not doing it, is it taking up a meaningful amount of time of your staff’s free time?” On the technology front, there’s very significant tech spends happening in the industry right now. I think Raymond James and LPL reported, for example, they spent 500 million in 2025 on a tech spend. So advisors are going to the places that are making their life easier. People are looking for a mechanism to really scale their business without having to add staff and a lot of expenses to the bottom line. And technology is just the fastest, most efficient way to do that most times. And then economics, certainly a lot of advisors and teams have built phenomenal businesses and they’ve made a great living without really stressing out about the economics. And they eventually get to a point in their business where what they were giving up as a million dollar producer is far different than what they’re giving up as a $4 million producer. And back to the congruent value, it perhaps stops to make as much sense. Louis Diamond: Well said. I always say when the cost-to-value ratio is out of whack, that’s when advisors sit up and take notice. And not to name names of firms, but there definitely are firms that are more expensive. And even if you look at how much a wirehouse or a Ed Jones advisor paid their firm, it’s like, “What got me here is not necessarily what’s going to get me there.” And while the name on the business card, the resources were incredibly impactful, and I’m so grateful for what my firm, my broker-dealer did for me when I was just starting or when I was smaller. Now the business is bigger, I rely upon different resources or I don’t need the firm as much. So I’d rather plow the cost savings either into income for myself or invest it in areas that are most germane to my business. And it’s usually when that kind of light bulb moment goes off, that’s one of the major pushes that cause advisors to evaluate other options. So I agree with you, those are the major push factors, but then what are the pull factors? What are the major advancements or changes across the independent space that’s causing advisors to say, “Hey, okay, I might have some frustrations, but at the same time, I also need to find something that’s more than marginally better than the firm I’m at. Otherwise, why am I going to go through the hassle, take the risk, et cetera? So what are some of the pull factors that advisors are latching onto today? Joshua Tomolak: Sure. And I might say with one final push factor, there’s a straw that breaks the proverbial camel’s back when you’ve been told for however many years that this change or that change is coming down the pipeline and it never happens. And it translates well into the pull factors is do they do what they say they’re going to do? The talking points really for the pull factors are exactly the same. So the counterpoint to service is perhaps having a direct relationship with the chief compliance officer at a firm or having a dedicated service representative that knows their stuff inside and out and can get you the answer even if they don’t know it off the top of their head. Having the technology to rebalance a household in two clicks instead of two hours. In economics, I think it’s really a transparency of economics. We’ve both worked with some really significant firms that have looked at their P&Ls and said, “where the heck is the money going?” And we’ve looked at the same P&Ls and said, “I have no idea,” because it’s so convoluted. People are happy to pay for good service, good technology, good products, but they just want to know where the money’s coming from. So I think it’s a yin and yang. The same things that they’re the push are often the pull. Louis Diamond: Definitely. I’ll give you a couple other from my perspective. I’ll say first specific to the independent BD world, and then we’ll dive into the RIA, I think it’s a little bit different. But I think some other will say innovations or changes that are causing advisors to really perk up and listen and really make the case to themselves that life will be better at this new organization than the status quo or staying put. We’ve seen major advancements in transition support, whether it’s being able to do a transition without a shred of paper, being able to… I mean, we’ve seen some independent advisors move their entire book within two weeks, which never would’ve happened before. So the firms that I’d say are playing offense, the larger firms that are winning, they have insane headcount around transitions and are always investing in technology, whether now on the AI front or in general. And we’ve seen transitions, they’re never easy. So that’s not a comment to say it’s easy, but a lot of the friction, a lot of the manual work has been taken away, which is massive. You definitely mentioned the significant technology spend. I mean, just the innovations going on across the industry. There’s definitely some firms that are laggards on technology and others that are light years ahead, whether because their tech is more integrated or they’ve built out their platform to be more, we’ll say modular, to plug in different third-party softwares where an advisor can really customize and create their own tech stack. I think there’s been some changes on compliance. It used to be if you’re at an independent BD, you had to be the OSJ by yourself or you had to roll up under an OSJ. But now most BDs offer home office supervision, so a big friction or pain point is taken away. And then I’ll give you a bridge to talk about what we’re seeing on the RIA side. But we’ve also seen, I would say, a real blurring of the lines between what you would traditionally think of as an independent broker dealer versus what was an RIA. So whether it’s an internal pathway where it’s like, “Start off on our independent BD platform, get the big deal, get the support, but then you can ditch that and just use this as a custodian or you can sell the business to us when you want to retire and convert to W2.” So in that vein, transitioning internally to an RIA, give me the same points like, “What are the major advancements or changes you’re seeing on the RIA side today?” Joshua Tomolak: I love that you said that because it’s been one of the most interesting changes to watch. Independent broker dealers becoming more like RIAs, and to your point, being more flexible, having more optionality, a more curated experience in some cases. And in many cases becoming closer to independent broker dealers with some of these massive shops that we’ve seen be created over the last five years that now have hundreds, if not thousands of advisors. To your question on the internal RIA slide as we sometimes call it, this really didn’t exist many places a few years ago. And I think it’s been created as both originally a retention tool in many places for the advisors that were with a major independent broker dealer and they ultimately wanted to have their own ADV and their own RIA. And the firm didn’t want to lose all the assets to an independent custodian so they gave them the green light to… And it’s ultimately became a sales tool in many cases. Just to use a couple of examples across the industry, I mean, Raymond James has Raymond James Custody Services, which has attracted a lot of really sophisticated teams. I know Wells Fargo Finance done something similar and even the counterparts over at Cetera and Osaic are trying to do the same thing. So it’s a recognition in my view that we want to keep the best talent possible. And if these folks are ultimately going to go RIA anyway, it’s less about the money and more about the flexibility and control that it offers them. So what can we do to keep those folks on board? And rightfully so, a lot of senior management of these firms have said, “Let’s not lose these teams. It’s going to be a lower margin business for us, but at the rate that they’re growing, it’s going to pay off in the long run.” Louis Diamond: Well said. RIAs are now more mainstream. And some of these RIAs, they’re either resembling independent BDs or I would even go so far to say the valuations that are even publicly available on some RIAs is definitely having people take notice. I mean, Cerity Partners recently raised capital at an over $8 billion reported valuation. Crescent was well over a billion. Firms like Mariner, Creative Planning, Mercer, Wealth Enhancement Group, and there’s many that I’m missing, are all worth a couple billion dollars or more and growing. Do you think that’s had an impact on the legitimacy or the staying power of the RIA model? Joshua Tomolak: Oh, absolutely. There’s no doubt about it. I mean, those groups that you mentioned and many more are winning some of the biggest teams on the street. I mean, if you pull up a run-of-the-mill advisor hub article, for example, you’ll see as many of those RIAs win significant businesses as you will their broker-dealer counterparts, partially in my opinion, due to the massive valuations these firms are fetching. And it’s much more of a partnership in the sense that joining a Crescent or a Wealth Enhancement Group, as you mentioned, you’re a part of a boutique group of maybe a couple of hundred very sophisticated high-producing advisors all playing under the same banner, all rowing in the same direction, and that creates substantial growth. Louis Diamond: Exactly right. I think two other things to me that’s driving the legitimacy or the growth of the RIA segment, there’s so many different outsourcing solutions that have popped up, whether it’s more of a… We’ll say a bundled or a package outsourcing solution through firms like Dynasty and Sanctuary. LPL has done a ton with having a shared services outsourcing model. So you have those. But you also have, I mean, probably 10 different firms I could think of that can be an outsourced chief compliance officer. You have tons of marketing agencies that specialize in helping RIAs. You have all these FinTechs popping up to support the RIA space. Really, it’s like anything and everything can be outsourced now. And even the big Wall Street banks like UBS, Merrill, et cetera, they’re attempting to sell and distribute product into the RIA space. Venture funds, private equity funds, anyone you talk to is trying to get a piece of the RIA space, which means there’s more product and platform availability than ever before. And I think it’s massive because one, it’s a catalyst for teams who say, “I love everything about the RIA world. I just don’t want to do it on my own,” or, “I don’t know where to start.” But also it means that they can look their clients in the eye and say, “Hey, not only do I have the same stuff that I had for you at XYZ firm, I can actually do more for you.” And even if you look at what the custodians are doing on the lending side now, Schwab owning a bank is massive and being able to facilitate mortgages, securities-backed loans, things that didn’t really exist in the past. I think it’s a very exciting time for advisors either that are independent or are considering the independent space because you have all these choices and it’s really like, “Choose your own adventure. Give me your top five things you want.” I’m sure it exists and we can find it and make it happen. And I don’t think we’d have the same confidence in that statement 5, 7, 10 years ago. Joshua Tomolak: I couldn’t agree more. That’s such a huge development is the marketplace of third party vendors in any kind of capitalism environment. There’s problems that people encounter and there’s really smart people that are trying to make a lot of money that go to market to solve them. And we’ve seen a ton of that over the last few years. Louis Diamond: Exactly right. Yeah, it’s like also… If an advisor looks around and says, “Hey, this is what I want,” and it doesn’t exist, oftentimes that’s a light bulb moment to be like, “Okay, I’ll go build it. I’ll do it on my own.” Whether it was Stewart Partners when they launched a number of years ago or Hightower, Dynasty, et cetera. They were all started by people that said, “Hey, I see a big gap in the ecosystem. Let’s create a business and raise capital to go solve it and then deliver this service to other like-minded advisors or business owners.” Honestly, it’s a treat to be able to watch all this happen in real time. We probably should have laid the groundwork with this next question, but I think it’s an important one. What’s the difference between a independent broker-dealer and an RIA? Really basic foundational. It sounds like the lines are blurred. There’s probably a lot of similarities. Advisors are successful in both. It’s not like one’s better than the other. How would you explain the differences, if a client of ours asked, “What’s the difference between an independent broker-dealer and IBD versus an RIA”? Joshua Tomolak: Get into the core of it. Again, the lines are blurred, and I’ll stay very high level on the strategic differences, but I like to use this example. I drive a Toyota Tundra. Really like the truck, gets me from A to B. Now, if I were getting to a point where I wanted a new vehicle, if I were to go get another Toyota Tundra because I really like a lot of aspects of it, but I want the one with the bigger screen and the bigger tires and the power seats, and I have rolled down windows because I have a fear of drowning. But if I want a lot of the bells and whistles, but I want to keep the foundation, that’s what I align to a independent broker-dealer to independent broker-dealer. You like the foundation of everything all under one roof. You like a lot of the resources, but you have some meaningful frustrations and you want to see if another provider in the market can solve for those or you can upgrade. If I instead, Louis, decided that I wanted a sports car or a Jeep Wrangler or something, I would be looking at a different category altogether. That’s how I articulate the platform space. They provide the same services and support in many cases that an independent broker-dealer does, think of marketing and a tech stack and regulatory oversight and a fellowship in a community, but they’re built on an RIA TC registered chassis. They’re typically far more customized so you can shop the street to get a lot more of the things that you like, though you are walking away from maybe some of the things that you’ve liked in the independent broker-dealer model. So I guess that’s the highest level I might explain it, just a little bit more minutia in any broker-dealer is going to be a FINRA registered, FINRA member broker-dealer. So they’re subject to the FINRA rules, which basically means it’s the compliance interpretation of those rules that they have to follow. So LPL’s rules may be slightly different than Cetera’s than Ameriprise’s because it’s based on their interpretations of the rules. In the RIA space, everybody really operates on the fiduciary standard. So it’s just a different lens that from a compliance standpoint, business is looked at. And a lot of people would make the argument that it’s just easier to get things done when you’re looking at something from that lens. I might’ve gone too compliance nerd on you there, but I’d be curious what you think some of the major differences are. Louis Diamond: Yeah, I think that’s right. I mean, it sounds like if you’re in the RIA world in some capacity that you as the advisor or business owner are going to have a little bit more control and autonomy and flexibility. One, do you think that’s true? And what are the reasons why that is? Is it platform? Is it strictly just compliance is easier? What are the different ways that an RIA would have more or less flexibility than someone who’s with an independent BD? Joshua Tomolak: Yeah, I think it’s overwhelmingly true, but it certainly depends on your business. Within most RIA platforms, you’re going to be one of a couple dozen, maybe a couple hundred, where you’re going to have people within that firm that really know your business. So the experience in getting things done is much less about, “Can I do this,” or, “Can I not do this?” And it’s, “Louis, I understand you asked for this. We’re going to run into these issues, but let’s figure out how to get to yes.” So it’s far more curated by people that are not operating on black and white rules and can actually figure out how to get to yes for your business. The other thing I would say is that most significant RIA platforms have multiple custodial options. So many times you’ll see as few as two or as many as five. So if an advisor or a team is trying to bring on a new piece of business or do something creative, that might be something they can use a different custodial relationship to accomplish. It might be something that Goldman Sachs does really well but is in its infancy at Fidelity, or it might be international business that’s approved on Pershing’s platform but not Schwab’s platform. So the RIA partner that you’re with can really look at those custodians agnostically and say, “What’s the best home for this business? What’s the best way to get this done for Louis?” There’s a couple examples of where I see the flexibility in practice. Louis Diamond: Yeah, I think one more too would be the concept of being able to shop the street. I’ve heard it described as becoming a buy-side advocate for your clients versus being a professional seller. So meaning, if I’m affiliated with an RIA or I’m operating my own RIA, there’s no selling away like there is at a wirehouse or at certain BDs. So if I have a client who’s trying to get a $10 million loan for a new building that they’re breaking ground on, if I’m at UBS, Merrill, Morgan Stanley, captive to a BD, I can go to my firm and say, “Hey, this $10 million loan, here it is. What are the terms? What are the rates? Will you take on this business?” And the firm will say, “Yes. No. Yes, here are the terms. Here’s the caveats, et cetera.” But it’s a very closed market process and an advisor has to live and die by what their firm says. Versus in the RIA world, it’s, “Okay, I have relationships with nine different banks and I can go to these different banks and private credit funds and whoever and really create either an option process for my client or really just help them in a fully agnostic open way.” And we see the same thing when it comes to alternative investments. No one at a wirehouse, let’s say, is complaining that they don’t have enough alts that they can offer clients. Those firms have done an amazing job with really boiling the ocean and having tons and tons of options for private investments, hedge funds, et cetera. But if you’re in the RIA world, you can take it to the next level and say, “Hey, this $3 million startup company that my friend is starting, I’m going to help them raise capital,” or, “My client wants to get a syndicate of investors together to have a direct investment into a qualified opportunity zone fund that they’re starting. Let’s do it when we can advise on it.” So it really expands what an advisor is able to do on behalf of clients. Like to me, that’s the most interesting or exciting part of the RIA model. You can get some of that within the BD world, but to me, when an advisor’s business becomes more sophisticated as far as what their end client’s needs are, it tends to translate better to the RIA world than the BD world. Not to say there aren’t ultra-high net worth focused advisors at BDs, but because of that additional flexibility, autonomy, customization, et cetera, that speaks more RIA. So again, absolutely not down at all on the independent BDs because I think there’s a massive home for them. Josh, let me turn it back to you. I’m rambling now. Give me the pitch for an independent BD. What are the things that are misperceptions that people have? What are the advantages that an independent broker dealer like an LPL or a RayJ or a Cetera have over RIAs or over other models in general? Joshua Tomolak: Absolutely. And I’d say I’ve learned more over the last six years from some of your ramblings than most people learn in an MBA course, so keep doing what you’re doing. But it’s funny being in this position now, having spent so much time sort of selling against the IBD model within TD Ameritrade, but what I’ve learned is it’s a good home for everybody. And a lot of times the advisors that they’re entrepreneurial enough where they like having their name on the door, but they’re not so entrepreneurial where they want to build everything out themselves, that’s where the independent broker dealers absolutely kill it. Their economics have gotten to a point where they’re really competitive. They offer transition capital that isn’t even going to be comparable in the RIA space unless you’re selling a minority share of your business. And you mentioned LPL, or we could really list all of the major ones, there’s not a department that they don’t have. It could be as nuance as finding 403(b) payroll slots or it could be as mainstream as fixed income or setting up events. There are all kinds of really neat departments that these all under one roof independent broker dealers have invested in. And a lot of times they make an effort to make you very much aware of all of the support because most people don’t use it. So I would say for the advisors that are looking to get their improved Toyota Tundra, then you can get probably 70 or 80% of what you want within the independent broker-dealer world. And you can also keep 20 or 30% of the stuff, maybe more that you really liked at your previous firm. So I think that’s where it really shines. I sometimes call it an incremental change rather than a transformational change. But for many advisors, incremental is really good enough if you get to keep the familiarity of how you’ve been doing business for the last 20-some years, but you’re able to get net improvement on the things that were really bothering you. Louis Diamond: Well said. Something that I’ve seen that’s been… I guess this could be either pro or con depending upon the advisor, but with some broker dealers, letting an advisor co-brand with them or really having a real consumer-facing brand, whether it’s, “I’m a franchise owner with Ameriprise,” or, “I’m independent through Raymond James,” or, “Running my own practice through Wells Fargo FiNet,” or, “I’m independent with Northwestern Mutual.” There’s definitely some brand cache or brand familiarity with some of those firms that may or may not be the same if you’re in the RIA world. So I would agree there’s a lot to like about the independent BD world and there’s a fit for people that is absolutely better with independent BDs than on the RIA side. Even if some people would say RIA is better, we’re cleaner, I wouldn’t say that. To me, it’s all about what an advisor’s goals are and then matching that up with what these firms do. And there’s never a perfect option. I jokingly say, “If there was a perfect firm, we wouldn’t be in business.” Every firm has their advantages or disadvantages. And depending upon where an advisor’s coming from, their style of business, their pain points, that’ll match up really well with on firm or one type of firm or one model than the other. Let’s pivot a little bit to the RIA world. A lot of your comments have been more about advisors affiliating or joining RIAs, this whole supportive version of independence concept. But what about advisors who want to go and start their own RIA? Either they’re leaving a captive firm and taking the entrepreneurial route and starting their own firm, or they’re leaving an independent BD to go start their own RIA. What do you see as some of the biggest misconceptions that advisors have about that move? Joshua Tomolak: That’s probably my favorite topic because there are the most misconceptions I think in this space. Louis Diamond: I’d agree. Joshua Tomolak: And I would say there’s 9 out of 10 conversations that I have with advisors and teams, they start off with the launching an RIA in mind or at least RIA curious and they want to understand what’s out there. And probably less than half the time do these folks end up actually launching their own RIA, which is okay because the ones that do are massively successful and they know they’re dang sure that’s exactly what they want to do. I think it gets a little bit romanticized sometimes that they’ll say, “Oh, I’ll just give Schwab a call,” or, “I’ll just give the custodian a call,” as if they were shopping independent broker dealers. That’s fine. You can do that and they will help you, but there’s quite a bit more to think about. And it’s not, in my opinion, the same as evaluating independent broker dealers. If it’s all right, I was taught the four pillars of the RIA model. I can go through that with you really quickly. So the way to think about the RIA space is in four pieces. And shout out to a friend, Eli Suarez, that taught me this years ago. The first pillar… Thinking of four pillars on a bar stool, if you will. The first one being administration. And this is your compliance, this is setting up your ADV, your LLC, all of your business formation documents. The second piece being technology, what do you actually want to use? Because the benefits of the broker-dealer world and the supported independent world is they’ve already built it for you. They’ve already paid for it and scraped their knees building it. In this case, you have to. And for some people, that’s really exciting to source financial planning software and portfolio management software and your CRM and tax software, et cetera. For some people, it just sounds like a huge headache. The third pillar being custodians. I have them third because you want to make sure that the right custodian can integrate properly with the technology that you’ve sourced that you’re passionate about. And then ultimately transition. What does a transition really look like? What are my legal and regulatory requirements? How does this work? What are the timelines? Things of that nature. So I guess I would say in closing that if those four things are things that you really want to own, then you’re in a really good position to consider an RIA launch. What do you think, Louis? Louis Diamond: I think that’s a great framework to break it down. Not just be like, “Okay, I can tolerate that,” or, “My team can do it,” but I think you have to be pretty excited about rolling up your sleeves and customizing and doing it yourself because in our experience, there’s a nominal differential between the economics of running your own RIA versus affiliating with an RIA or going to an independent BD. All the extra work and responsibility, you’re not really going to make it up, at least on the front end, on a higher net payout. So it has to be more about what the model means to you and having a vision that you don’t think anyone else can accomplish other than yourself. And looking at that crazy ever-expanding Michael Kitces’ FinTech map and there’s 500 different logos on it and being like, “Yes, that’s what I want. I want to go through this. I want to pick the seven pieces of my tech stack that work for me,” rather than getting, “Here’s the tech stack, take a demo, you like it, you don’t like it, take it or leave it.” To me, the two biggest misconceptions people have about the RIA world is one, “I’m going to have to be a full-time chief compliance officer,” and just that compliance is this boogeyman, this terrible, scary thing. In some ways it is. But the reality is most, especially startup RIAs will fully outsource compliance to a firm or they’ll hire a compliance consultant or firms that are big enough even will hire a CCO or repurpose someone on their team to be CCO. But compliance is much more streamlined and simpler than BD compliance. And ultimately, it’s compliance that’s being built for your business rather than compliance that’s being built for a publicly traded multinational company that supports 20,000 financial advisors. So I think compliance is always a big misconception. It’s definitely what a lot of firms will pry upon when they’re saying like, “Oh, you’re going to own all the legal and regulatory requirements. You could, but it’s definitely not a requirement.” And then I think another one is folks sometimes underestimate and overestimate the operational burden and how much work it is to start an RIA. Sometimes people just… They’re perfect for the RIA world, that’s their goal, but they get stopped in their tracks. They don’t really know what to do. But what we’ve seen, we said it earlier with so many different outsourcing solutions and different service providers that have popped up, if you have the fire in your belly to go build something, it doesn’t mean you’re doing it by yourself. I mean, that’s what firms like ours do. The custodians are very helpful. On the flip side though, I have seen advisors chasing payouts say, “Hey, I’m just going to go start an RIA because I want to make another 1 to 3%,” or whatever it comes to and they drastically underestimate what it really takes to build a successful firm. Joshua Tomolak: Exactly right. I think that’s my favorite one, Louis, overestimating and estimating the operational burden there is you could have the same conversation with two teams and it can go the completely different direction. Louis Diamond: Josh, let’s wrap here. I got one more question for you that I think is an exciting one, but give me three key trends or storylines that most people don’t know about or aren’t talking about that you’re passionate about or that you’re sharing with advisors or counseling today. Joshua Tomolak: Sure. This is the free advice portion. And I’ll tell you what, Louis, if it’s all right with you, I’ll give you two and I would love to hear one from you as well. The first one I’ve seen in both the independent broker-dealer and RIA space is the minority investor concept. A lot of folks will talk about the idea of taking chips off a table and starting to partially monetize your business. I think that’s all important, but what I’ve found is that a lot of advisors really want their partner, whether it’s an RIA broker dealer to help them grow. And that could be with M&A opportunities, that could be with traditional recruitment of advisors, that could be building a business plan. But the minority investment part really helps accelerate that for a lot of businesses because all of a sudden, not only are you cashing out a small part of your business, but you’ve just created an ally with the parent entity, it is now much more likely to help you grow in that capacity because they’re insulated from it and they profit when you profit. So I think it’s easy to be shortsighted and say, “Well, my equity’s going to keep growing. Why would I sell you a piece of this?” But I counsel folks often to really think about what that long-term strategic partnership is and making somebody a real equity partner rather than just a vendor that provides you with technology and regulatory coverage. The other one I’d say is that… And this one’s really important to me, that business formation is far more important than your assets under management. Said a different way, the way you build your business is going to make your business far more valuable than the number of dollars underneath your name. And what I mean by that is, just to use an example, a sophisticated, well-built, centralized, scalable and repeatable business, whether it’s an RIA with a broker-dealer that is going to fetch a far higher M&A multiple than a OSJ that’s five times the size that just has a bunch of 1099 independent advisors underneath the umbrella. What we’ve seen in the M&A space is that if you’re going to shell out 50, 60, $80 million for somebody’s business, you want to know that you have this business for the long term. So I would certainly counsel people that have been around maybe far longer than me to take a look at how you’re building this and put together a business plan on what those next 10 years should look like and not necessarily fall into the trap where your only revenue source is the override that you receive from a firm and then you in turn pay to the advisors on your team. Louis Diamond: Well said. I really like that line. We’d probably do a whole episode on what are the tips and tricks for building a business with the end in mind? Like the Covey quote, “Begin with the end in mind.” Transitions are like… They’re a bear. I mean, there’s no way to sugarcoat it. Advisors, when they hear transition, if you ask them, “Don’t think about it, give me your reaction.” “Terrible, risky, a lot of work. I’ll never do it again. My friend did it and it was terrible. What if my clients don’t come?” It’s all these negative emotions. And in many cases, I don’t blame an advisor because it is a big act. But to me, if someone is weighing making a transition, whether a wholesale business model change going from being an employee to being independent, going from being an advisor at an independent BD to starting an RIA, or even going independent BD to independent BD, it’s an opportunity if you rise to the occasion to build with this next act with intentionality. So whether it’s restructuring compensation for your team, converting people from 1099 to W2, putting in place new workflows, changing how investments, instead of it being each individual advisor doing investments to more of a centralized model, cleaning up workflows, really investing in data, investing in AI. It’s something that I think, again, we can have a whole episode on it, but I think it’s a great one. Build the business the right way. And obviously, businesses that are larger, theoretically, sell for more, but we’ve certainly seen businesses that are half the size of a larger one sell for a similar amount or more because they did all the right things and the larger one did the things that really turn off a buyer or detract from a valuation. Let me give you one more and tell me if you agree, but I think we’re in this moment when Altruist, the upstart, a new kid on the block custodian, they launched a basically tokenization of cash in a way to automatically agentically source or sort cash to the highest yielding money market. And you’re like, “This is fricking wonky. Louis, why are you telling us this?” I think this is an important one just to keep a watchful eye on. I have no idea how this is going to shake out, but really the biggest way that independent BDs or even custodians like Schwab and Fidelity really make money, it’s not on their overrides from practices or the admin fee or the custody fee. It’s really on net interest margin. So how much the broker-dealer or the firm is making on client cash and brokerage accounts relative to what they’re paying out the client. It’s essentially like free margin to these firms. And this concept, I think, has massive potential for disruption for the business model. Again, I don’t know what it’s going to look like, whether it means platform fees that are instituted at all these firms, whether it means certain models would be more beneficial than others, whether it means nothing’s going to change, which is probably the right answer given this industry. But it’s something to keep a watchful eye on just if your firm institutes a new platform fee or there’s a fundamental way in which your firm can no longer make money. How are they going to make it up? Are they now going to be uncompetitive? They’re not going to have as much scale or profits to invest in the platform. Is it going to cause even more consolidation in the industry? So to me, that’s the one pretty under the radar, pretty wonky storyline that I don’t think enough people are talking about, but has the biggest possibility for disruption across their space than anything I’ve seen in a while. Joshua Tomolak: Sure. That’s the whole iceberg. Not a lot of people are talking about it. It’s not poking out of the ocean, but it’s going to be continuously brought up. I think it’s a question that a lot of advisors are going to have to ask these firms. And at the end of the day, the firms aren’t the bad guys. They have to make money too to provide a quality product. So where the money comes from matters. Louis Diamond: Exactly. Josh, this has been awesome. I learned a lot talking with you and just having your objective consulting hat on what I think are really the differences between IBD and RIA and some of the key trends and storylines to watch has been instrumental. I’ll also give a plug that on our website and we’ll link to it in the show notes, we have a really helpful one-page reference guide going through the differences between independent BDs or IBDs and RIAs. So feel free to click on it. We’ll make sure it gets in your inbox. Josh, thanks again for joining us today. Joshua Tomolak: Yeah, thanks for having me, Louis. It was a pleasure. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and go

In today's FittBite, we go through how activewear brands lose cash when the wrong sizes and colors sit in the warehouse. This FittBite covers size curves, size-by-color planning, product fit differences, first-launch buying signals, stockout timing, returns, exchanges, and how to use real demand data to make the next order more accurate.Tune in to learn how to plan inventory around what customers actually buy, not just the sizes that feel safest on a spreadsheet.Book a 1 on 1 with our host, Shadi for personalized advice on how to create and grow your fashion business: https://www.fittdesign.com/services/consultationDesign your own collection with our instantly downloadable factory ready tech pack templates:  FittDesign Tech Pack TemplatesFollow our host on instagram:https://www.instagram.com/shadiadada/https://www.instagram.com/fittdesign/Got any other questions, email us for an instant response at:studio@fittdesign.comSubscribe to our weekly fashion design podcast (New episodes every Thursday at 4pm CST): https://podcasts.apple.com/gb/podcast/the-fittdesign-podcast/id1454410683Visit our website:https://www.fittdesign.com/Follow us on:https://www.linkedin.com/company/fittdesign/https://www.facebook.com/fittdesignhttps://www.pinterest.com/fittdesign/https://www.behance.net/fittdesign...

Listeners called in to give their thoughts on families sitting down together to eat meals.

Beth’s sore stitching hands launched us into an unplanned fitness section. The conclusion: Sitting and stitching for long periods is not a good thing. We also talked about finishing a journal cover (link below), Jessica Grimm, needlepoint canvas from Avlea Folk Embroidery, and Gary stitching without thinking. The message: Read and follow the instructions. We’re taking a break after this show, except for Patreon content, and will return with a Patreon Silver Needle Zoom session, Aug. 19, and a regular Sunday interview, August 23. If you missed our Tour de Broderie shows, this is a good time to fire up the playlist on YouTube and let them run while you stitch. We may have recorded them while watching the Tour de France, but most of the content is about needlework.–Beth and Gary Listen to the podcast: Watch the video. Click here to view it. You can listen by using the player above or you can subscribe to Fiber Talk through iTunes, Amazon Music, Spotify, Audible, iHeart Radio, TuneIn, Podbay, Podbean, and many other podcast sources. To receive e-mail notification of new podcasts, provide your name and e-mail address below. We do not sell/share e-mail addresses. Here are some links: Jessica Grimm’s website Modern Hoopla DIY Journal Cover: Insert and Instructions Carolyn Standing Webb Fiber Talk interview Fiber Talk’s new Patreon page EGA website Avlea Folk Embroidery website CyberPointers website We hope you enjoy the show. We're always looking for guests, so let me know if there is someone you’d like me to have on the show. To add yourself to our mailing list and be notified whenever we post a new podcast, provide your name and email address below. You won’t get spam and we won’t share your address.

Back and neck pain have become increasingly common in the digital age. Many of us spend hours each day sitting at desks, working on computers, or looking down at our phones, often without realizing the impact these habits can have on our spine. In this episode of Health Matters, host Courtney Allison speaks with Dr. Joseph Lombardi, an orthopedic spine surgeon at Och Spine at NewYork-Presbyterian, about why posture matters and what happens when poor positioning places excess strain on the neck and back. Dr. Lombardi explains the mechanics of the spine and how spinal discs function as shock absorbers between the vertebrae. He discusses the phenomenon known as "tech neck" or "text neck," describing how tilting the head forward dramatically increases stress on the cervical spine and may contribute to disc degeneration over time. The conversation also covers practical ways to support spinal health. Dr. Lombardi shares tips for setting up an ergonomic workstation, explains why sitting and slouching increase pressure on the lower back, and discusses the importance of taking movement breaks throughout the day. Finally, he highlights exercises that can strengthen the core and support better posture and outlines warning signs that may indicate a more serious spinal condition requiring medical attention. Chapters 00:00 – Tech Neck and the Hidden Stress on Your Spine How looking down at phones and computers increases strain on the neck and what happens to spinal discs over time 03:58 – Why Posture Matters for Long-Term Spine Health The connection between poor posture, disc degeneration, sciatica, and age-related changes in the spine 06:30 – Ergonomics, Sitting, and Building Better Habits Simple workstation adjustments, standing desks, movement breaks, and ways to reduce pressure on the spine 09:00 – Exercises, Prevention, and When to See a Doctor Core-strengthening exercises, healthy movement habits, warning signs of serious spinal issues, and practical tips for lifelong spine health Key Topics Covered Posture and spine health Tech neck and text neck Neck pain Back pain Disc degeneration Spinal discs and biomechanics Ergonomic workstations Standing desks Sitting posture Slouching and spinal stress Core strength Lumbar support Bird dog exercise Planks and core stability Sciatica Cervical spine health Lower back pain Sedentary lifestyles Healthy aging and the spine Physical therapy Spine injury prevention Orthopedic spine surgery Workplace ergonomics Musculoskeletal health Key Takeaway Good posture is about more than standing up straight. Everyday habits like looking down at a phone, slouching at a desk, and sitting for long periods can place significant stress on the spine and contribute to pain and disc degeneration over time. By improving workstation ergonomics, staying active, strengthening the core, and addressing symptoms early, people can take meaningful steps to protect their spine and support long-term musculoskeletal health. Doctor Bio Dr. Joseph Lombardi is an orthopedic spine surgeon specializing in the operative management of spinal disorders in adult and adolescent patients. His practice is focused on minimally invasive surgical treatments for both common and complex spinal conditions, including disc herniation, spinal stenosis, spondylolisthesis, and spinal deformity. Dr. Lombardi leverages the latest surgical technology – robotics, guided navigation, and advanced instrumentation – to provide patients with tailored surgical procedures, accelerated recovery times, and superior outcomes. After receiving his undergraduate and medical degrees from The George Washington University in Washington, DC, Dr. Lombardi went on to complete his post-doctoral residency training in orthopedic surgery at NewYork-Presbyterian/Columbia University Irving Medical Center where he served as chief resident. Dr. Lombardi remained at Columbia and Och Spine at NewYork-Presbyterian for fellowship training in advanced adult and pediatric spine surgery. In addition to his clinical practice, Dr. Lombardi is involved in training future surgeons as an assistant professor and vice chair of clinical research for Columbia University's Department of Orthopedic Surgery. As vice chair, Dr. Lombardi works closely with the orthopedic surgery research leadership team, as well as all faculty, residents and administration to further clinical research. His research interests focus on the application of new technologies to complex spinal conditions with the goal of improving patient outcomes. To date, Dr. Lombardi has published over 20 book chapters, authored over 100 peer-reviewed journal articles, and has received numerous academic awards, including: the Alpha Omega Alpha honors society, Julius S. Neviaser Award in Orthopedic Surgery, Harold M. Dick Award for Excellence in Orthopedic Surgery, and the Alexander Garcia Award for Excellence in Clinical Orthopedic Surgery. In his free time, Dr. Lombardi enjoys hiking, jogging, fishing and traveling.

WOOMY!! This week we're discussing the new single player focused spinoff game Splatoon Raiders with a STACKED CAST featuring Patrick Knisely (pdyx), Tyson Pease (tytypos), and Alex Von Kurkendall (AVK). Sitting comfortably with the one of the highest user scores of all time on metacritic, we break down why the game is resonating so strongly with players, how the game has remained so fresh, and what we think this game portends for the future of the Splatoon series. We also cover all the Nintendo and gaming news such as updates on Nintendo's class action lawsuit in regards to the Trump tariffs, an update on a new game in the Myst series, tidbits from a recent tell-all interview with Shigeru Miyamoto and much more. As always, we close with the games we've been playing. Listen to Super Switch Headz on Apple Podcasts, Spotify, YouTube or wherever you enjoy podcasts. 0:00:00 Introduction 0:08:23 News & Rumors 0:39:05 Splatoon Raiders Impressions 1:25:29 Games We're Playing Tyson's Art page: https://tysonpease.com/ Game Jam Page: https://itch.io/jam/pirate Discord: https://discord.com/invite/CWbF4gb Facebook: https://www.facebook.com/groups/switchheadz Patreon: https://www.patreon.com/SuperSwitchHeadz/ Website: https://www.switchheadz.com/ Clips Channel: https://www.youtube.com/@SwitchHeadzClips

In this episode, Brian Thompson — a former pastor and lifelong surfer — shares how he stepped away from ten years of formal pastoral ministry after the weight of licensing requirements, congregational expectations, and carrying others' burdens began stealing his peace and joy. He describes returning to surfing in his fifties , and how that return unexpectedly became a spiritual practice and a new context for quiet, judgment-free faith conversations. Brian reflects on wrestling with guilt and the fear of disappointing God by giving up his title, ultimately concluding that his calling to reach the lost never required a license or institutional role to fulfill. The conversation closes with Brian describing an emerging, informal faith community he's starting with friends outside the church, built around open discussion rather than top-down teaching.

Hours after prosecutors say Celeste Rivas Hernandez died, an LAPD detective testified, David Burke's phone and his Tesla were parked on a lonely stretch off Highway 154. At 12:04 in the morning the phone placed a call to her number. It went unanswered, and the car was back in the Hollywood Hills by about seven.Everything the state has shown at the d4vd preliminary hearing runs through one rented garage in the Hollywood Hills, and the defense has to answer for all of it.An LAPD criminalist told the court that a presumptive chemical test reacted strongly on the black rubber mats covering that garage floor, and again on the bricks she found underneath them. A rowing machine tested positive. A green tarp tested positive. A charging cord tested positive. A trash bag with wipes inside it tested positive. An inflatable pool that looked spotless and smelled fresh had one area glow under the same chemical, and a second criminalist later fit plastic fragments recovered during the autopsy into the cuts in that pool like puzzle pieces.Sitting a few feet from all of it were jugs and trays that tested negative and were written into the report without much fuss.Tony and Robin go item by item. Not to summarize the hearing — to interrogate it. What does the defense say about the pool? What does it say about the chain saw handles that were never swabbed for touch DNA? Or the third saw found in a closet and never collected, or the footwear impressions nobody could lift and nobody ever compared to a shoe?Blair Berk already got the state's own criminalist to say she cannot call it definitely blood. Only possibly blood.David Anthony Burke has pleaded not guilty and denies all wrongdoing through his attorneys, and a judge will decide whether there is enough here for a trial. Celeste Rivas Hernandez was fourteen years old.END_LINKSJoin Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePodDISCLAIMERThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.HASHTAGS#D4vd #DavidBurke #TrueCrimeToday #CelesteRivasHernandez #BlairBerk #TrueCrime #Forensics #LAPD #CourtCoverage #TrueCrimePod

That was weird....... -Roadkill

380 – Would you like to sit at the feet of Jesus?Have you ever wondered what it would've been like to hear Jesus teach and preach? To see him heal people? To ask him to heal you? Would you have followed him or opposed him? Would your pride have rebelled at the strong moral demands he made on his followers? Or would you have sat at his feet, humbly listening to everything he had to say? Hopefully the latter. In this week's episode:What it means to sit at the feet of Jesus and learn from him How we can still do this todayThe blessings that come from itThe people in the Bible who sat at Jesus feet and whyThe difference between sitting at and falling down at Jesus's feetSitting at the feet of Jesus today is a metaphor for being in Christ's presence. The more you come into Christ's presence in this way, the more you make yourself available to be instructed, inspired, and healed by Christ.∞∞∞∞∞∞∞Previous episode mentioned: Episode 203: What if Jesus Preached at Your Church? SHOW NOTES: For a full transcript and the Bible quotes go to thebiblespeakstoyou.com/380Text me your questions or comments.Support the showIf you enjoy the podcast, please rate and leave a review on Apple Podcasts or Spotify__________________James Early, the Jesus Mindset Coach, is a Bible teacher, speaker, and podcaster. His focus is on getting back to the original Christianity of Jesus by embracing the mindset of Christ in daily life. Reach out today if you need a speaker or Bible workshop for your church or organization (online and in person)Subscribe to the podcast  (and get your copy of Praying with the Mindset of Jesus)       Make a donation to support the showSchedule a free one hour coaching call to see if the Jesus Mindset Coaching program is a good fit for youContact James here

This week on the Only in OK Show, we're heading down to Sulphur, Oklahoma, to explore a true landmark: The Artesian Hotel, Spa & Casino! Originally built in 1906 as a hot spot for celebrities and politicians before a devastating fire in 1962, this historic jewel was reimagined in 2013 to blend vintage charm with high-end modern luxury. Sitting right across from the stunning Chickasaw National Recreation Area, The Artesian features 81 luxuriously appointed rooms, world-class amenities, and so much more. Here's a look at what we cover in this episode: Luxe Accommodations: From window-seat Standard Kings to the extravagant Art Deco Hollywood Suite and multi-room Governor's Suite—complete with plush linens and Bedré Fine Chocolates on your pillow. Elevated Dining & Treats: High-end comfort food and craft cocktails at The Fountain Club, fresh lunches at Bedré Café, sweet frozen yogurt at Sweet Swirlz & More, and custom tea blends from The Spice & Tea Exchange. Relaxation & Fun: Why Sole'renity Spa earned a Top 100 ranking in America (plus their BHG-recognized "Little Soles" kids spa!), unique boutique shopping, and late-night entertainment at The Artesian Casino. The Real Star of the Show & Local Finds: You know we run on caffeine and local love! We hit the jackpot on Broadway Avenue at Cup & Crumb (2002 West Broadway), where we sampled everything from Caramel White Mocha and Lotus Energy drinks to homemade Grandma's Thumbprint cookies and grilled Chicken Bacon Avocado Paninis. Plus, we took a stroll down historic Muskogee Street to check out Bromide Mountain Co. for outdoor gear, Patagonia apparel, and unique Arbuckle Mountain gifts. Whether you're looking for the ultimate southern Oklahoma weekend getaway or the best local coffee in town, Sulphur is definitely worth the drive! #OnlyInOKShow #OklahomaTravel #SulphurOK #ArtesianHotel #DiscoverOklahoma #OklahomaTourism #ChickasawNation #SoleRenitySpa #CupAndCrumb #BromideMountainCo #TravelOK #OklahomaCoffee #WeekendGetaway #ExploreOK

Sitting down with Lynae Vanee @lynaevanee at this year's Essence Festival @essencefest was one of those moments that always stays with me. She has a way of turning honesty into poetry and making people feel seen through every word.Now she's taking “Black Women Deserve Poems” on tour, and I already know each stop has been more than a performance, but a reminder of the power of storytelling, healing, and truth.Get your tickets

"Whoever owns Alaska owns the world."These prophetic words from the founder of the modern Air Force, General Billy Mitchell, ring truer today than ever before. Operating in the most unforgiving and extreme environment on the planet, the 11th Airborne Division "Arctic Angels" stands guard at the top of the world. But what does it take to fight, survive, and win when temperatures plummet to -40°F and the elements are as dangerous as the enemy?In this powerful episode of Your Next Mission®, video podcast, host 12th Sergeant Major of the Army, Jack L. Tilley, takes you inside the Army's premier extreme cold-weather warfighting force. Sitting down with Major General John P. Cogbill and Command Sergeant Major David P. Hanson, this conversation explores the epic rebirth of the 11th Airborne Division. Born in the sweltering jungles of the WWII Pacific theater—where they executed the flawless Los Baños POW rescue and became the first Allied force to occupy Japan—this storied division is now dominating the frozen tundra.

Join me today as I interview Kelli Jones! She was our first young adult sponsored for our 12 Week Soul Care Intensive, through our non-profit,Yellow Soul , by a precious Soul Care Advocate in our community. She opens up with us about being adopted, her academic achievements and challenges, and the progressive healing in her brain through her journey of Soul Care. Kelli believes so deeply in this process that she has become a voice of hope by sharing and referring so many in her community to begin their own journey! In this episode, Kelli and I dive into some specific areas: 1. What counteracts co-dependency.2. The faith of friends who carry you when you can't carry yourself.3. Why we believe that showing up, learning to trust, and being vulnerable among good community, changes everything. Kelli shares: “I truly believe facing your past and when you've gone through things is a beautiful journey and process to go on. Sometimes people are afraid to face it because they think it will last forever, but it won't last forever. I believe for my generation there are levels of freedom they have access to more than we can think, dream, or imagine. Sitting with the finished work of the cross and really allowing the Lord to minister to us so He can fully equip us and free us for our future.” I take some time to share about Yellow Soul and why we exist! The Yellow Soul nonprofit is dedicated to nurturing the inner lives of young adults, helping them heal from past wounds, overcome limiting beliefs, and cultivate the resilience needed to thrive. By focusing on spiritual and emotional wholeness, we unlock their full creative potential and equip them to positively impact their communities and influence culture with wisdom, integrity, and authentic love. We provide comprehensive Soul Care, a holistic approach addressing the multifaceted needs of individuals, delivered through online and written resources, immersive events, and a supportive community. We foster spiritual development, emotional well-being, creative flourishing, and a supportive community where young adults can thrive. We love our call to young adults, God's beloved Sons and Daughters, and are honored and grateful to serve the next generation! Follow me on Instagram and DM me to learn more about how you can be one of our prayer partners, sponsor a young adult, attend an upcoming event, or schedule a Clarity Call! Learn more here about Yellow Soul and join us as a reoccurring giver! We are full of joy that you're with us today. Please share this with someone in your life who needs to be carried by your faith in them and needs encouragement to keep going. Cheers, friend, Juliette (Jules) and Kelli Find me on Instagram: [instagram.com/juliettemarhoferdugger](https://instagram.com/juliettemarhoferdugger) Please like, subscribe, and share!

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Colette Cummins, Chief Risk Officer of Inland Fisheries Ireland and a RIMS-CRMP Commissioner, on what it's like to be a CRO in an organization whose mission is protecting a national natural resource. Justin invites Colette to share her career journey, and she tells how she developed in credit risk management, audit, and enterprise risk management, and how she landed in the public sector, protecting the environment while guiding Inland Fisheries Ireland toward building a solid risk framework. Colette speaks of the surprises she found in the public sector, and the impressive risk mindset and commitment she finds at IFI.   Listen for principles of building out risk registers and a risk framework, whether in the private sector or a public sector agency.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest today is Collete Cummins. She is the Chief Risk Officer for Inland Fisheries Ireland and a RIMS-CRMP Commissioner. We're going to have a great dialog. But first… [:42] RIMS-CRMP Workshop. We are delighted to announce that on August 27th and 28th, RIMS President Manny Padilla will be leading the two-day in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [1:02] RIMS-CRMP Virtual Workshops. RIMS will partner with PARIMA for the RIMS-CRMP Exam Prep on September 1st and 2nd. Registration links are in this episode's show notes. [1:12] On the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:28] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:41] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:51] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:08] On with the Show! Our guest today is Colette Cummins. She is the Chief Risk Officer for Inland Fisheries Ireland. The IFI is the dedicated state agency for protecting, managing, and conserving Ireland's inland fisheries and sea angling resources. [2:26] Colette is the agency's first CRO, but she's not new to risk management. We're going to hear about her career journey and why she feels that this position was custom-made for her, combining her love for environmental awareness with her risk management knowledge. [2:42] Colette is also a RIMS-CRMP Commissioner, and on September 24th, you can hear from her directly, along with Elliott Long, another RIMS-CRMP Commissioner, in the informational session, "A Conversation with RIMS-CRMP Commissioners Who Hold the Credential." [2:58] That's a free informational session. Visit RIMS.org/CertificationWeek for more information. A link is in this episode's show notes. But we're here to talk with Colette about her fascinating career and risk philosophies. Let's get to it! [3:13] Interview! Colette Cummins, Welcome to RIMScast! [3:28] Colette was told once that she is excessively optimistic. She's very positive. She took it as a compliment. [4:18] Colette started fresh out of university in credit analysis and credit risk management. She worked in a few financial services organizations. It gave her a taste for risk management at a high level. It was around portfolio analysis and the credit history of customers. [4:51] The role Colette was in wound down, and she was looking to move into a different area in the company, Hewlett Packard Enterprise, in the financial services subsidiary. An opportunity came up to work in internal audit. She decided to try it for a year. She stayed in it for 15 years. [5:32] In the middle of those 15 years, Colette had an interim stint in Operational Risk Management for a year and a half, and she loved it. [5:47] Colette says, in Operational Risk, you're seeing down at a tactical level how to manage and monitor risk. It was very much around risk monitoring. [6:01] Colette explains why she stayed in internal audit for 15 years. Ten years were spent in various internal audit management roles in the financial services subsidiary. It was a tough time for HPE in terms of meeting the new regulatory challenges in Ireland and Europe for financial services. [6:41] Colette was asked to take on the Head of Internal Audit role. She did that for five years. She went into Internal Audit for one year in 2008. In 2015, she worked in Operational Risk. In 2017, she was asked to come back to take over as Head of Internal Audit. [7:11] It was a challenging situation because new EU regulations were coming in for banks and financial services businesses. It was a lot of pressure to meet these. There was a lot of scrutiny from Irish regulators. It was a challenging environment for Internal Audit. [7:53] When Colette moved in as Head of Internal Audit, it was a pivotal role in terms of steering the organization through that regulatory time. It was a great learning experience and very helpful now that she's in a public sector role. [8:09] Colette says, the whole time she was Head of Internal Audit, she was thinking, "How do I get back to Risk? How do I get out of here?" She loved Operational Risk. [8:27] Colette networked heavily within the organization. She got the opportunity to move out of Financial Services up into the global HPE organization as an Enterprise Risk Manager. She got that role through networking. She enjoyed that ERM role and did it for about five years. [9:26] Colette says it was a strategic role. She was working with the heads of each business unit, reviewing their risks. It had a very heavy emphasis on reporting to the audit committee and the board on what was happening in risk management in the business units. [9:58] Colette didn't feel as if she was effecting change or driving new strategies within the organization, but she learned a huge amount about negotiating with senior management and a lot about the fundamentals of risk management. [10:18] For the last year or two of her role, Colette wondered what she was doing there. She had a sense of wanting to stay in risk management but wanting to do something different, maybe something more value-add and less commercially driven. [10:39] Colette says towards the end of 2025, HPE announced it was cutting resources and implementing cost-cutting initiatives. As part of that, her role was made redundant. At first, it was a big upheaval and quite a shock after 22 years with the organization. [11:03] Colette says that upheaval turned into a great opportunity. It was the push she needed to ask herself where she wanted to go and what she wanted to do. It was an opportunity to try something completely different. [11:28] Colette says she didn't know anybody in the public sector. She had no contacts. But in Ireland, you cannot in any way canvass for jobs in the public sector. Everything is heavily regulated with very strict anti-corruption regulations. [11:54] Colette says she had no knowledge of the organization. She had no intention of applying for a role for at least six months. But she started looking at what was out there. She was going to put some time into development and building out her CV and getting some qualifications. [12:33] Colette says she had been thinking she would like to do something in the public sector; something more meaningful and less commercially-driven. She wanted to do something with more autonomy, more impact, and more control over risk at the organisation. [12:54] Colette says, one Wednesday afternoon, she was looking, and she saw this job that had just come up. It's in exactly the right location, it's public sector, and it's IFI, an environmental body. Colette said, "Wow! This is it!" Forgetting her six months off, she had to go for it. [13:19] Colette interviewed for the job when she hadn't yet finished her old role at HPE. She was hugely busy, trying to wrap up her role and interviewing. The interview process for the public sector in Ireland is extremely rigorous and tough. She was successful in the role. [13:43] Colette says she just had a couple of weeks off and then went straight into it in March of 2026. She has been CRO at Inland Fisheries Ireland for four months now. [14:06] Colette says IFI is the state organization that is responsible for protecting the fish stock in Ireland. Ireland is a country with a lot of waterways. IFI is responsible for protecting the fish in 45,000 miles of rivers, 128,000 hectares of lakes, and 3,500 miles of shoreline. [14:43] It's doing everything to protect and restore the fish stock in those areas. Historically, the organization was very much about protection, preventing fishermen from overfishing and from fishing illegally, especially protected species. IFI has a substantial staff who patrol the rivers. [15:17] Now IFI is working on pollution, reacting to any pollution episodes and ensuring that they're investigated and stopped. Colette says that prevention measures sit with a different state body. The Environmental Protection Agency works on the prevention of pollution.  [15:41] Colette says because the IFI has staff on the ground, it will see pollution coming in, react to it, and get in touch with the EPA to say, We've seen something coming into this river at this location. We need your team out here to source and stop it. [16:08] The IFI staff on the ground takes samples of the water and has them ready for when the EPA team comes to look at it. Another huge element of what the IFI does is restoring the habitat and creating the perfect environment for the fish. They research how the stock is developing. [16:35] The IFI research teams go out and do things like electrofishing, where they stun the fish for a few seconds to take a scale from the fish, test it, and work out the genetic trail of the fish and where they've come from. There's a huge amount of information they take from that. [16:58] The IFI works on the rivers, as well. Salmon, in particular, always go back to where they spawned. You need to keep that route open for them. If a barrier, like a dam, has been built, the IFI team works with construction companies to remove those. [17:19] The IFI has a wide series of activities: patrolling, protection, pollution, habitat restoration, and research. Colette is sure risk professionals hearing this are saying, That's a lot of risks! [17:37] Justin points out that the IFI covers thousands of miles. It's not just the particulars of the job but also the volume and area it has to cover. [18:03] Colette says the other element is that fishing or angling is part of Ireland's tourist industry. The IFI promotes fishing, without overfishing, obviously, and supports and partners with the local fishing organizations. [18:28] A Quick Break! Many fantastic RIMS events are coming up in 2026. You can register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through the 12th at the Grand Hyatt on the San Antonio River Walk. [18:44] Visit RIMS.org/Events for registration information. The hotel cutoff date was July 10th. Reservations may still be made after the hotel cutoff date, subject to availability; however, the negotiated group rate is no longer guaranteed, so reserve now. [19:00] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [19:11] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [19:28] Save the dates: October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [19:44] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [19:59] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is now open. [20:08] An announcement seeking nominations for the RIMS Global ERM Award of Distinction will be made public in July. Visit RIMS.org/ERM2026. [20:19] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! The call for session proposals is now live and will stay active through August 21st. [20:34] RIMS members can exclusively register by September 4th for the best rate. And get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [20:54] Let's Return to Our Interview with Inland Fisheries CRO and RIMS-CRMP Commissioner Colette Cummins! [21:05] Justin comments that fish is a critical food source, so IFI has to make sure that they're clean, healthy, and they keep repopulating. Colette agrees but says that it's less about food and more about environmental protection. [21:23] Colette says some species have been reduced a huge amount in the last number of years because of things like pollution, habitat destruction, etc. It's really about environmental protection, restoring that stock, and bringing it back to where it should be for a natural balance. [21:42] Colette says her CRO role is new at IFI. That's what made it even more exciting for her. She says, when she came in, it was basically a blank sheet. IFI had dealt with risk by using a third party to give them a risk management model and some training. [22:10] Colette says the IFI was trying to work with that in-house, without any risk management expertise. It brought in a bit of a risk mindset, but essentially, Colette had a clean sheet to start with. She came in in March, and now she's building out the risk register. [22:36] Colette's first task was to design the risk framework. Colette loves risk management and has done lots of various elements of it, but she's never had complete autonomy, where she was driving change in the organization. [22:55] By full autonomy, Colette means she owns everything. Anything that happens to do with risk comes to her. [23:01] Up until now, Colette's role has been designing the framework: establishing how the organization is going to manage risk, building that out, getting people on board with that framework. It's split into six departments within the organization. [23:29] Each head of that department, or ELT member, will own their risk register, or their list of risks. Colette is working closely with them to ensure they have all their risks listed within that register and that they fully understand them. [23:48] Colette is looking at their controls and helping them devise new controls, looking at how the risk matches the risk appetite of the organization, and working with the next level of management beneath them to help them develop their risk registers to report up to the ELT. [24:40] Colette says IFI had been trying to recruit a CRO for some time. She wishes she had known! She would have applied last year. She just happened to see it. The existing model wasn't working. There was a real need. [25:00] The audit committee and board were saying they weren't happy. They said they needed to see risk management alive in the organization. Colette had to dive straight in, hit the ground running, and start building it out straightaway. It was exactly the challenge she was looking for. [25:18] Colette says it's so good to have that autonomy and responsibility, but also accountability. She is completely accountable for everything that happens with risk. Colette gets each member of the ELT to develop their risk register and report that up to the audit committee. [25:45] If anybody is doing anything where they want to think about risk, they talk to Colette. It's not complicated. They don't go to somebody else. Everybody knows, if it's got the word "risk," they come to Colette. Colette says the full visibility of everything is great. [26:19] Colette says she's starting with a very simplistic model to build the registers. She says it's drawn more from ISO, but it's a very simplistic model to get the organization started. Colette moved from a private-sector global IT company to the public sector. [26:56] The one thing that is challenging is that things move much slower in government. It moves much slower, and that's probably even more so in Ireland than in Europe and maybe than in the U.S. [27:16] You could come in and see this is the change that is needed, and think you could go ahead and effect that change within a couple of weeks? Oh, no you don't! You need to take everything slowly and get the right approvals and authorizations, etc.  [27:29] Colette says she is starting with a really simplistic model: set out your risks, set out your controls, set out your mitigating actions, and then, we're going to get the organization working on that with that framework. [27:43] Colette hopes to do it within six months, but knowing the public sector, it could be a year. Then start building in other elements to it to make it a more mature and sophisticated framework. [28:19] Every change has to be approved by the Audit and Risk Committee (ARC). If Colette wants to make a small tweak in the existing framework, it goes back to the Audit and Risk Committee, which meets every three months. [28:51] Colette presented to the ARC in June. She presented how she wanted to move forward. There was no question. She knew they were going to approve it. She couldn't just go ahead and put the framework in place. [29:08] It needs to go through the protocols and have the conversation with the ARC and just take it nice and slow to effect any change. That is one challenge that's different for Colette. But otherwise, she can bring all of her experience from different areas and use every bit of it. [29:37] One More Quick Break! RIMS has launched RIMS, The Foundation for Risk ManagementTM. The Foundation is dedicated to shaping the future of the profession. Contribute to strengthen the global risk management community and invest in the future of the industry. [29:57] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [30:11] You can learn more about the Foundation by visiting RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [30:30] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM.  [30:39] Let's Return to Our Interview with Colette Cummins!  [30:53] Colette Cummins is speaking with us today from County Kildare, about 30 miles outside Dublin, Ireland. The IFI offices are on the edge of Dublin, the capital of Ireland. Colette says the land is actually greener and more beautiful than the travel brochures could describe. [31:30] Colette says Ireland is full of rich waterways, which keeps her in a job. She lives near Dublin but is originally from the Southwest of Ireland, which is by far the most beautiful. The coastline is stunning. It's where most Irish go on holidays. It's gorgeous. [32:00] Colette says the accent in the Southwest of Ireland is different. Colette's husband from the middle of Ireland requests subtitles when he visits her family in the Southwest. Colette describes the difference between the accents in the South and North of Ireland. [33:05] Colette says the IFI Corporate Risk Register has generic risks around AI, cyber, training, and resources. [33:33] One of their biggest risks is health and safety. Staff are going out and patrolling rivers. They will sometimes come across fishermen who are happily overfishing and not keen to meet a patrolling officer who tells them they shouldn't be taking all this fish and depleting the stocks. [34:08] There is a health and safety risk with the patrolling officer being out on a river on boats. There is a health and safety risk in meeting an acrimonious and adversarial fisherman. [34:28] Because IFI does research, they have staff in labs, using high-tech equipment, with a health and safety risk. They have engineers looking at the rivers and habitats and maybe some constructions in the rivers that need to be removed. They have a health and safety risk. [34:37] These are new risks and things for Colette to get her head around. How do we do this? How do we manage that? And the other side is regulation. There are a lot of different regulations that impact IFI. [35:22] Colette says, In the public sector, your reputation is critically important, because you're the face of the state. Reputation is an impact factor you need to build into every risk. If IFI does something wrong, it could end up in the national media the day after. IFI uses taxpayers' money. [36:15] Colette says another huge category of risk for IFI is procurement, ensuring they are using taxpayers' money in the right way and not misusing it. [36:50] Colette says that prioritizing risks comes back to the goals. In procurement, there is the risk of spending money in a way that's not compliant. There is also the risk that there are too many procurement controls and the business can't move fast enough or do what it needs to do. [37:24] Colette says it comes to the organizational goals. What is the impact on the organizational goals? Which risk is going to have a greater detrimental impact on the organization's mission? One caveat: the health and well-being of the staff override everything. [37:55] Health and safety risk trumps everything. IFI would be completely averse to any risk that will impact the health and safety of the staff. Health and safety trumps every other risk. [38:16] Justin says he and Colette met recently for the RIMS-CRMP series where everyone can see her on September 24th. Justin says Colette is very positive and upbeat and speaks about her role with a lot of enthusiasm and joviality. [38:39] Colette says there are 330 people in IFI. It's not commercially driven, so a lot of people are at IFI because they love the work. For some people Colette works with, it's a vocation. They would nearly do the same job without being paid because they have such passion for it. [39:11] Colette met with the research team on site at the rivers to get a better understanding and just to see the passion they have for the job. Using her risk knowledge to help them do their jobs better and to help them protect themselves from risks was rewarding and enjoyable to Colette. [39:45] Colette says being able to use her experience across the organization is just fantastic. Colette has a lot of different experience, and to bring it all together and use it every day when she is challenged with a new task is fantastic and very rewarding. [40:27] Colette says this is the field staff's very busy time because this is when all the fishing is happening, this is when pollution is more likely to happen, and when the temperatures go up, the fish are under pressure, so you have to try and protect the waters. [40:42] Colette says the research staff was delighted to hear that someone was coming down from the head office to go out and make the time to really understand the organization. They were very anxious to show her everything. There is such pride in the organization. [41:!5] Justin says a lot of the risk professionals listening are in the private sector, and he asks Colette what would most surprise them about risk management in a public environmental organization. [41:40] Colette says a lot of the differences in the public sector are what you would expect: things move slower, and the protocols. [41:49] What surprised Colette the most is what a strong risk mindset they have. There's a good understanding of risk already, even through the layers of management. They can look at what's going on, the processes, and the activities and ask, "What are the risks here?" [42:16] There is also a commitment to risk that Colette was not expecting. She was expecting to meet a research manager who wanted to research and leave risks to Colette. She hasn't had that anywhere. They all ask her to talk with them about their risks. "Am I managing them right?" [42:39] Colette says there is knowledge and commitment, and that has been the biggest surprise for her. It obviously makes her job a lot easier. [42:48] Justin says this is excellent. It has been such a pleasure to meet you these last couple of days. We're going to see you during RIMS Certification week on September 24th. [42:57] Justin says, You will be co-hosting the informational session, "A Conversation with RIMS-CRMP Commissioners Who Hold the Credential." You're such a breath of fresh air. We really appreciate your contributions, and I learned a lot speaking with you today and yesterday. [41:12] Justin says, You have a fascinating job, and I hope that you have a chance to attend a RIMS event, maybe lead a session, and connect with our live audiences, as well. Colette says she would love to at some stage in the future. [43:32] Special thanks again to Colette Cummins of Inland Fisheries Ireland for joining us here on RIMScast. [43:38] You can hear Colette again on September 24th during RIMS Certification Week for the special informational session, "A Conversation with RIMS-CRMP Commissioners Who Hold the Credential." [43:49] That session will be held at 10:00 a.m. Eastern. Visit RIMS.org/CertificationWeek. The link is also in this episode's show notes. We've got sessions on the 22nd, 23rd, and 24th of September. We look forward to seeing you there. [44:05] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [44:22] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [44:39] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [44:52] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [43:05] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 | Education Content Submission ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Fisheriesireland.ie/ Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! RIMS-CRMP Exam Prep with PARIMA | Sept 1‒2 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: "Reputation and Defense with Jeff McKissack" "Choosing the Challenge with Johnell Holly" "Supply Chain Integrity and Sustainability with Nicole Sherwin of EcoVadis"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenge" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Colette Cummins, Chief Risk Officer, Inland Fisheries Ireland RIMS-CRMP Commissioner   Production and engineering provided by Podfly.

You're Playing Tennis With a GhostYou hit the ball over the net. Nothing comes back. So you hit another one — a better one, an interesting one, surely thatone deserves a return. Silence. And still you keep serving, because you were raised to believe that if you just give enough, eventually something comes back.It doesn't. There's nobody on the other side of the court.Jess doesn't get tired. So when she found herself unable to keep her eyes open in the middle of an ordinary afternoon, she went looking for the reason — and what she found wasn't overwork. It was a day full of small, well-mannered lies. Finding the good thing to say about work that bored her. Meeting people with warmth she didn't feel. Being generous in a way that was really just dishonest.That's the discovery this episode is built on: exhaustion is not always physical. Sometimes it's moral. Every act of kindness that isn't true opens a cord, and something drains out of you through it.She remembers a woman from the school run. Everything aligned on paper — shared interests, daughters the same age, every reason to be friends. And every single time they sat down together, Jess could feel the life force leaving her body. White as a ghost. Sitting there thinking, I cannot stand this level of boredom — and then hearing herself say something warm anyway.That's the moment. That's the betrayal. Not the boredom — the sentence that followed it.Inside:Why "I can see the good in everyone" isn't enlightenment. It's innocence that outstayed its welcome, and it belongs to the early stage of individuation, not the mature oneThe equality wound — refusing to stand above anyone because it felt wrong — and the wreckage it leaves in a businessUnconditional love is not unconditional access. Hold the space. Guard the gate.Fractals of light: why the woman who drains you may be genuinely lighting up thousands of others, and why walking away judges nobodyHow a single act of self-betrayal drags bliss, delight, exquisiteness, unity and purity straight down into shadowTake it behind the shed. Why discernment has to be brutal — and why, by Jess's count, 99% of people won't survive itThe question she now asks every depleted client: who is in your field who does not belong there?And the standard she's setting from here: only the ones who bat it back. The ones where you send a high frequency over the net and one comes flying back at you, and it's the best game of tennis you've ever played.Everyone else can find their own court.-------------------------------------Currently in session: The Vessel for spiritual women building extraordinary legacy wealth - https://spiritualised-the-vessel.netlify.app

Rotorua's mayor believes councils are racking up hefty insurance bills looking after artwork in storage. A Taxpayers' Union report finds councils across the country are sitting on $1.12 billion worth of art. It finds more than 71 thousand art pieces are owned by local government, with only 33% of the works on public display. Mayor Tania Tapsell told Mike Hosking having it in storage is money on a balance sheet that could be invested elsewhere. She says the cost of insurance alone would be enough to deliver the hydro slides she wants for her community. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Sitting quietly at a desk, hands folded, attention on the teacher — and being called a snob for it. The substitute teacher's words cut deep, not only because of the insult itself, but because of what it feels like to have something good about you twisted into something shameful. Quietness mistaken for indifference. Attentiveness mistaken for pride. The tears didn't fall until later, but the sting of being misunderstood lingered long after the school day ended. Most of us carry memories like that one. And while our experiences do not compare to what Christ endured, Isaiah 53 makes clear that our Savior knows this pain intimately. He was despised and rejected, falsely accused, sentenced and crucified as a criminal — though He was the sinless Lamb of God. He endured the worst misunderstanding in human history, and He bore it with grace. That means when we bring our tears of being misjudged to Him, we are not bringing them to someone who cannot relate. We are bringing them to the One who understands most deeply of all, and who invites us to entrust our case to the Father who sees the truth clearly. And in that posture of trust, something else can grow: a greater willingness to listen, to withhold quick judgment, and to seek to understand others the way we long to be understood. Today's Bible Verse "He was despised and rejected — a man of sorrows, acquainted with deepest grief. We turned our backs on him and looked away. He was despised, and we did not care."— Isaiah 53:3, NLT Ponder Today Jesus knows the pain of being misunderstood — more deeply than any of us ever will. The sinless Son of God was accused, condemned, and crucified as a criminal. He is not a distant Savior who offers sympathy from afar. He empathizes from experience. We can entrust our case to the Father, who sees the truth perfectly. When others misjudge us and there is nothing we can do to correct the record, we can follow Jesus' example in 1 Peter 2:23 and commit our situation to the One who judges justly. Being misunderstood is painful — and it is okay to bring that pain to God. The tears that sting when we are falsely judged are not too small for Him. He sees the truth clearly, and He cares about what it costs us when others do not. Seek to understand rather than to be understood. The words attributed to St. Francis of Assisi capture something of the grace Christ modeled: the goal is not to be vindicated in everyone's eyes, but to respond with the same grace and humility with which He endured false accusation. A Prayer for You Today Precious Savior, You know the stab of pain that comes when others misunderstand and slander what was done in good faith. You, the spotless Lamb of God, were falsely accused and sentenced to death as a criminal. As I take comfort in Your empathy, help me learn from this experience — to remember the sorrow of incorrect judgment so I may grow in my ability to listen and understand others. I do not want to hastily judge others, just as I do not want others to impulsively judge me. Let Your grace guide me to spend more time listening and observing than quickly voicing my opinions. And even if others never come to recognize the truth, I trust my pain to You, because You know all things and You are the Righteous Judge. In Your name, Christ, I pray. Amen. Don't Miss an Episode If today's prayer brought comfort to a place that has been stinging from being misunderstood, we'd love to stay connected. Subscribe to the LifeAudio newsletter at LifeAudio.com for daily prayers, devotionals, and more content to encourage your heart and deepen your walk with the Savior who understands you completely. If you like this podcast, be sure to check out our sister podcast, Your Nightly Prayer - an evening Christian prayer podcast to help you end your day in conversation with God. https://www.lifeaudio.com/your-nightly-prayer/ Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

What if the moment you're desperate to get through today becomes the one you'd give anything to have back? Brushing tangled hair. Carrying a sleeping child inside. Sitting through one more song. These moments can feel frustrating when you're tired and running late. Then one day they stop happening, and you never realise the last time has already passed. In this episode, Dr Justin Coulson shares a simple idea from philosophy called the "Last Time Meditation." It will change the way you see everyday parenting and help you notice the moments that matter before they're gone. KEY POINTS Why the everyday parenting jobs you dread can become your most treasured memories. How the "Last Time Meditation" helps you stay present. The psychology behind appreciating ordinary moments before they disappear. The personal experience that changed how Justin responds to his children. One simple habit that makes family life feel richer without changing your routine. QUOTE OF THE EPISODE "There's something you did with your child today that ten years from now you'd trade almost anything to do again. You just don't know what that thing is." RESOURCES MENTIONED A Guide to the Good Life by William B. Irvine William B. Irvine's "Last Time Meditation" Stoic philosophy Seneca Epictetus The Japanese concept Ichi-go Ichi-e Fred Bryant's research on savouring Tim Urban's "Tail End" concept Kurtz (2008), Psychological Science ACTION STEPS FOR PARENTS Pick one ordinary family moment this week and treat it like it won't happen again. The next time your child asks you to watch, listen or help, stop and give them your full attention. Put your phone away during one family ritual each day. Slow down long enough to notice the moments you'll miss one day. See omnystudio.com/listener for privacy information.

Prince Andrew reportedly used private access to Buckingham Palace as a way to impress women connected to Jeffrey Epstein, with one of the most striking attractions being the opportunity to sit on the monarch's throne. Accounts have described Andrew leading unauthorized or highly unusual private tours through restricted areas of the palace, treating spaces associated with the Crown as though they were available for his personal entertainment. One woman who worked for Epstein recalled being allowed to sit on the Queen's throne during a palace visit, while Andrew was also reported to have shown Epstein, Ghislaine Maxwell and other guests around the royal residence outside normal public arrangements. The throne-room experience came to symbolize Andrew's alleged habit of using royal status, privilege and proximity to the monarchy to impress visitors, particularly women within Epstein's orbit.Describing it as Andrew's established “go-to move” goes somewhat beyond what has been publicly proven, but the available accounts suggest that allowing selected guests unusual access to royal spaces was part of the way he projected power and exclusivity. Sitting on the throne was not merely a tourist novelty; it offered women an experience almost nobody else could receive and reinforced Andrew's position as the prince capable of opening otherwise locked doors. These episodes also raised serious questions about palace security, Andrew's judgment and the degree to which he blurred the boundary between his public royal role and his private social life. In retrospect, the throne-room stories became another example of how Andrew allegedly used the prestige of the monarchy to entertain and impress people associated with Epstein while palace institutions failed to prevent or meaningfully scrutinize that access.to contact me:bobbycapucci@protonmail.com

Send me a messageWhen was the last time you sat in a room or a park for an hour with zero distractions—no phone, no music, no podcasts, no food, and no substances? For most of us, the answer is "never."We live in an age of relentless mental bombardment, where every free second is filled with external input. In this episode of Path to Peace, Todd Perelmuter explores why the inability to sit alone with your thoughts is the root cause of feeling overwhelmed, lost, and anxious—and how radical stillness can unlock your inner power, deep creativity, and intuitive wisdom.In This Episode, We Discuss:The Mind Trap: Why constant stimulation acts as a subtle form of self-inflicted brainwashing.The Root of Overwhelm: How steady waves of media and notifications prevent your brain from digesting life.Finding Answers Within: Why scouring the world for solutions fails until you tap into your own intuitive intelligence.Mastering the Mind's Waves: How to observe passing thoughts, impulses, and emotions without letting them dictate your actions.The Power of Downtime: Why doing "nothing" gives you undivided focus for deep thought, strategic planning, and genuine peace.Timestamps:00:00 — When was the last time you were truly alone with yourself?01:58 — The real reason we feel lost and overwhelmed03:41 — Welcome to Path to Peace05:16 — How non-stop stimulation hijacks your brain06:35 — "Do More": Society's obsession with constant movement08:46 — Tapping into your inner wisdom11:04 — Navigating the most distracted age in human history14:23 — Why gamifying every moment ruins downtime16:43 — How to see your mind naked and lay it bare19:16 — Final thoughts & how to supportPlease enjoy other episodes where I share meditation techniques, tips and spiritual lessons from around the world for peaceful and stress-free living. Remember to subscribe to stay up-to-date.Video podcasts are available at https://www.youtube.com/@ToddPerelmuterFor the days when life feels like too much, these 4 free books are for you. Get the free 4-books bundleIf my words have ever touched your heart or helped you through a hard moment, I'd be deeply grateful for your support in keeping this podcast alive. Support the PodcastAnd if you'd like to explore these ideas in greater depth, you can find all of my books here.

The chess set—reported to be custom-carved so the pieces resembled Epstein and those in his orbit—wasn't a quirky conversation piece; it was theatrical signaling. A chessboard is a compact metaphor for control, hierarchy, and calculated sacrifice; to populate it with likenesses of yourself and your closest aides weaponizes that metaphor into an assertion: you stage the board, assign the roles, and you decide who moves and who gets sacrificed. The grotesque intimacy of turning people into game pieces collapses bodies and agency into objects of play, and that deliberate objectification is itself an accusation—an unsettling admission that the house was designed as a theatre of power, not a warm home.Worse, the set functioned as social shorthand for everyone who tolerated it. Sitting across from those carved pawns, Epstein's guests were offered a choice: read the scene or pretend not to. That so many wealthy, powerful people treated such staging as “eccentric décor” rather than a glaring red flag reveals the moral rot behind the glamour. Either they were willfully blind, or they understood perfectly and accepted their place in the performance. Either way, the chess set stands as a tiny, obscene manifesto of an ecosystem built on predation and polished denial—taste turned into cover, symbolism into complicity.to contact me:bobbycapucci@protonmail.comsource:Epstein and his young female pawns: Billionaire paedophile had chess set made that featured him as the king… and had models pose to be turned into hand-crafted pieces | Daily Mail OnlineBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Tune into the highlights from Part 3 of Magic Maker Live with Emily Fletcher.

In Hour 1 Robby and Joe discuss Diego Pavia being waived by the Baltimore Ravens and what that could mean for his career. Also, with Fernando Mendoza potentially sitting to start the season, does that make you rethink how the Titans approached that situation with Cam Ward?

HR leaders spend all day surrounded by people. So why does it often feel like the loneliest job in the building? In this episode, Tom Emery, former Chief People Officer at a top City of London wealth manager, 20-year corporate HR veteran (ex-HSBC), and founder of HEX Talent & Development, joins Al and Leanne to pull back the curtain on the reality of HR leadership. Tom shares his powerful "Vet Analogy" for HR: just like veterinarians enter the profession out of love for animals only to see them at their illest, weakest, or most aggressive, HR leaders enter the role because they love people, only to be brought in when people are backed into a corner. Together, they dive deep into how HR leaders can step out of the isolated "police officer" role and step into the room as true strategic drivers, how senior leaders can build psychological safety by simply asking for help, and why learning to disagree well is the missing ingredient in high-performing C-suites.

Reflections from host Sarah Olivieri ... The Trap of Being the Most Capable Person in the Room There is a particular kind of nonprofit leader who is very good at almost everything. They can build the budget. They can write the grant. They can run the intake, fix the database, cover the front desk, and close the books when the bookkeeper leaves. When something breaks, they already know how to fix it, so they do. This is where nonprofit CEO leadership capacity quietly becomes the ceiling on the entire organization. When the most capable person keeps doing the work, the organization can only grow as large as that one person's hours. Everything routes through them. Every decision waits for them. And because they are competent, nobody notices the bottleneck until the organization is straining against it. This looks like a time management problem or a delegation problem, when in fact it's a leadership design problem. Let's talk about how to fix it. A Leader Who Has Made the Shift A version of this comes up almost every time I talk with a leader who is running a good organization and running themselves into the ground to do it. I had a conversation recently with Janelle Miller Moravek, who has led a growing mental health organization since 2009. She has been the fundraiser, the strategist, the operator, and the person who learned every function the hard way. And she has arrived somewhere most leaders need to go, but don't even realize yet. She knows how much to know, and she knows when to take her hands off. Know Enough to Be Dangerous There is a level of knowledge every CEO needs about every function of their organization. Not enough to run it. Enough to tell whether it is being run well. If you know nothing about your finances, you cannot tell a good accountant from a bad one. If you know nothing about your fundraising, you cannot tell whether your development director is stuck or coasting. You do not need to do the work. You need to know enough to provide real oversight. This is the balance that trips people up. Leaders tend to land at one of two extremes. Either they know a function so well that they cannot stop doing it, or they know it so poorly that they cannot supervise it. Neither one is oversight. Oversight lives in the middle, where you know enough to be dangerous and then let go of the doing. The truth is, most leaders overshoot toward doing because doing feels productive and supervising feels like nothing. Sitting in a meeting you do not strictly need to attend, reading a book, walking through the building, thinking about what is coming in eighteen months. None of that feels like work. All of it is the work. The Most Important Job Nobody Schedules The single most valuable thing a CEO can do is figure out what is around the corner that nobody else sees yet. When you plan for that, you are ahead of everyone. When you are ahead, your organization makes a bigger impact with less scramble. I call it brain time. The problem is that brain time never makes it onto the calendar, because everything else is louder. The payroll approval, the bank call that only the CEO is allowed to make, the fire that flared up this morning. Those tasks are real, and someone has to clear them so the rest of the team can move. But they are not the job. They are the price of admission to the job. When leaders let the loud, clearable tasks crowd out the quiet, high-value thinking, the organization loses its ability to see around corners. It becomes reactive. It handles what is in front of it and gets blindsided by what was predictable all along. Leadership You Can Buy Before You Can Afford It Here is the move that changes the math for organizations in the one-to-five-million range. You can bring in leadership without adding it to your management structure. When you outsource a function to a strong fractional or contracted firm, whether that is finance, HR, IT, or billing, you are not just buying task execution. You are buying leadership. A good outsourced finance team does not wait for you to direct them. They lead you. They tell you what you are missing. They bring a level of expertise you could never afford to hire full-time and could never provide yourself. This is what lets a leadership team stay lean. Janelle runs a nearly three-million-dollar organization with a management structure of two people, herself and a deputy director, because the CFO brain, the HR strategy, the billing compliance, and the fundraising all live with expert partners outside the building. The leadership is baked in. The payroll taxes, the turnover, the recruiting, the risk of getting a specialized compliance task wrong, all of that belongs to someone whose actual job it is. One line from that conversation has stayed with me: "It really hampered our growth before we outsourced." What I appreciate about this framing is that it names the mechanism. When a leader hoards functions they are not expert in, the organization does not just carry the cost of their learning curve. It carries the cost of everything that leader could have been doing instead. The growth that never happens is the most expensive line item, and it never shows up on any budget. Delegating Outcomes, Not Just Tasks There is a difference between handing someone a task and handing someone a result. Task delegation is "process this batch of invoices." Outcome delegation is "own our financial health and tell me when something is off." Most leaders get comfortable with the first and never make it to the second. So they stay busy checking work instead of free to lead. This is the shift from managing tasks to distributing outcomes and decisions across the organization. The shift usually becomes possible when the right person is in the right seat. And the right person is almost never the one with the most polished resume. It is the one with learning agility and curiosity, the one who can grow into responsibility you have not even defined yet. Hire for that, and you can eventually hand over not just the doing but the deciding. That is what frees a visionary leader to actually be one. I say this to clients constantly, and I had to learn it on myself first. For years my rule was that just because I can do something does not mean I should. I am a highly capable person. If I keep doing everything I am capable of, I will hold my own organization back, and I will not be a very happy human either. The capability is not the question. The choice about where to point it is. What Changes When You Stop Being the Doer When a leader stops being the doer, the whole organization stops waiting on one person. Decisions get made closer to the work. The team develops instead of stalling. And the leader finally has room for the thinking that only they can do. The heaviness that comes from being the answer to every question starts to lift. The work has not disappeared. It is finally sitting where it belongs. The organization stops being an extension of one person's stamina and starts being a system that can carry its own weight. That is what staying power actually looks like. It is not a heroic leader holding everything together. It is a structure built so that no single person has to. The Marathon This is not about doing less work. It is about doing the work that only you can do. Nonprofits can grow past the founder's capacity. They can build leadership they could not otherwise afford. They can run without one person anchoring every decision. Not by that person working harder. By building an organization that no longer needs them to. About the Guest Janelle Miller Moravek is a nonprofit leader & mental health advocate. She has led Youth & Family Counseling as Executive Director since 2009, driving its growth and impact across Lake County, Illinois. With a deep commitment to increasing access to mental health services, she oversees strategy, programming, and operations while fostering strong partnerships throughout the community. Janelle also plays a key leadership role in the region, serving on the board of the Lake County Alliance for Human Services and co-chairing the Lake County Behavioral Health Action Team. Her prior experience includes development roles at Carmel Catholic High School and Barat College. She holds a BA in French Studies from Wesleyan University and lives in Libertyville with her husband and three children. Connect with Janelle: Website: CounselingForAll.org/  LinkedIn: Linkedin.com/in/janelle-miller-moravek-903a815b/ Janelle's profile: accessspeakers.biz/speaker/janelle-miller-moravek-nonprofit-leader-mental-health-advocate/ Be sure to subscribe to Inspired Nonprofit Leadership so that you don't miss a single episode, and while you're at it, won't you take a moment to write a short review and rate our show? It would be greatly appreciated! Let us know the topics or questions you would like to hear about in a future episode. You can do that and follow us on LinkedIn.

Episode 184: In this episode of Critical Thinking - Bug Bounty Podcast we're joined by Ads Dawson (0xMoose) to talk about his skyrocketing report velocity, as well as how he builds and manages his hackbot.Follow us on twitter at: https://x.com/ctbbpodcastGot any ideas and suggestions? Feel free to send us any feedback here: info@criticalthinkingpodcast.ioShoutout to YTCracker for the awesome intro music!====== Links ======Follow your hosts Rhynorater, rez0 and gr3pme on X: https://x.com/Rhynoraterhttps://x.com/rez0__https://x.com/gr3pmeCritical Research Lab:https://lab.ctbb.show/ Need a Pentest? We just launched CTBB Pentests!https://pentest.ctbb.show/Hack full time? Check out the Full-Time Hunter's Guild!https://ctbb.show/fthg====== Ways to Support CTBBPodcast ======Hop on the CTBB Discord at https://ctbb.show/discord!We also do Discord subs at $25, $10, and $5 - premium subscribers get access to private masterclasses, exploits, tools, scripts, un-redacted bug reports, etc.You can also find some hacker swag at https://ctbb.show/merch!Today's Guest: https://substack.com/@0xmoose====== This Week in Bug Bounty ======How to use Claude Code for Bug Bounty: find fast, validate manuallyhttps://www.yeswehack.com/learn-bug-bounty/llm-series-claude====== Resources ======Signal Over Noise: AI Agents and the Operator Moathttps://0xmoose.substack.com/p/signal-over-noise-ai-agents-and-theFBDL Goes Agentic: AI Agents Can Now Build Your Test Environmentshttps://bugbounty.meta.com/blog/fbdl-goes-agentic/====== Timestamps ======(00:00:00) Introduction(00:11:01) Satisfaction for hackbot finds(00:19:31) Hackbot Mechanics and Tech Debt(00:33:31) Sitting in the Bottleneck & Analyzing hacking sessions with Frontier models(00:44:35) FBDL Goes Agentic, Noise Reduction, & Hill Climbing(01:05:45) Hackbot Load Distribution

This episode flips the script. Instead of Larry hosting, Marc Hildebrand, one of the top coaches in the Dad Edge Business Brotherhood, a 20-year LAPD veteran, life coach, and founder of Modern Leadership, sits Larry down and interviews him. The jumping-off point is a hard statistic: most men are lonely, and the majority don't have a single friend they could call at 3am. Larry opens up about the mastermind that changed his life eleven years ago, the "cost of doing nothing" question that got him to say yes, the BRAVE MAN system his Boardroom runs on, and the August 2017 morning his wife told him he was losing her. If you're a man who's surrounded by people but still feels alone, or a business owner pouring everything into work while the rest of your life drifts, this one is a roadmap.   Timeline Summary [1:02] – The loneliness statistic and why Larry isn't surprised it's that high [3:17] – Marc introduces Larry and the role-reversal format [7:04] – The first mastermind eleven years ago and mentor Aaron Walker [8:45] – Rusty relationships and why "fine, good, busy" keeps men shallow [10:03] – The $500-a-month invitation that sounded like snake oil [11:55] – The question that changed everything: the cost of doing nothing [13:45] – Sitting with the chills, imagining life a year out, and calling back in 12 minutes [16:24] – What pulled Larry to lean in instead of talking himself out of it [19:03] – "Show me your calendar and I'll show you what's important to you" [22:59] – Why it's never the business, it's the person running the business [25:41] – The BRAVE MAN system explained category by category [29:53] – Why the room, not just the strategies, is what gets men to change [30:52] – The black belt lesson: that's when the training actually begins [35:02] – Attracting your wife back to you instead of chasing [36:22] – The August 2017 morning Jessica said "you're losing me" [40:30] – Masculine and feminine energy, and helping your wife soften [44:11] – Inside the quarterly Goal Setting Intensive [47:19] – Why the Boardroom is only 20-25% about business [50:26] – Living an "and" life instead of an "or" life [52:36] – The Dad Edge core values, read in full for the first time [58:04] – Who the room is for, and how to join the intensive   5 Key Takeaways The Cost of Doing Nothing — When weighing an investment in yourself, the real question isn't the price. It's what your life looks like a year from now if you change nothing at all. It's Never the Business — Entrepreneurs blame the business for their disconnection, burnout, and lost health. The hidden truth is that it's the person running the business, and reactivity is the pattern to break. Attract, Don't Chase — Chasing your spouse reads as needy, desperate energy. Leading from a grounded, positive masculine presence lets her soften and pulls her back toward you. Set "And" Goals, Not "Or" Goals — You don't have to choose between growing your business and connecting with your family. The right question is how one could actually strengthen the other. The Room Is the Gold — Skills and strategies matter, but transformation happens in a room of trusted men who share wins in detail, hold public accountability, and call each other forward.   Links & Resources Episode page and all links: https://thedadedge.com/1515 Join the Dad Edge Alliance: https://thedadedge.com/join Dad Edge Boardroom Goal Setting Intensive (July 31, 8am central, 10 guest spots): https://thedadedge.com/goals   Enjoyed This Episode? If the "cost of doing nothing" question landed for you the way it landed for Larry, don't let it sit. Send this episode to a man who's surrounded by people but still feels alone, and ask yourself honestly who your own 3am call would be. If the show keeps showing up for you, follow, rate, and leave a review so more fathers can find these conversations.  

If MS has left you feeling like your body is folding forward… this episode is for you. In this episode, I'm walking you through the connection between posture, core strength, and daily function for people with Multiple Sclerosis (MS). Not in a textbook way, in a "here's what's actually happening in your body and here's what to do about it" way. Here's what we cover

Welcome to Botched: A D&D Podcast! We are joined by special guest Charles Mcfall! Find his newest show: Little Brown Pill on all your podcatchers! You can also find him over at https://linktr.ee/rgop42The emissaries of the gods have slowly been tearing the world of Terry's Tough Guys apart. First, Terry, now the rest of the world. They go after Gazur, in the hopes of using him to inflame the rest of the people.What would be the best way to get the word out? A podcast, obviously! Sitting down with Gazur and Terry, things quickly go from bad to worse for the brand image of Terry's Tough Guys.How will they convince Gazur to help them? What information do they want from him? How will a podcast convince the world? How will the King of Alurys react? There are werecrocs where? Tune in and find out!Dennis has successfully completed a Kickstarter for his 4th graphic novel in his Lycan: Solomon's Odyssey series! Lycan is about the world's first werewolf! It's a mix of horror, mythology, adventure, and history. The 4th book in the series is all about ancient Egypt! Wanna read a story mixing a werewolf with Egyptian Gods? You can still back it on Kickstarter for the time being as we have Late Pledges enabled! Check it out on Kickstarter!We now have a PO Box! Wanna send us something? PO BOX 3178 Gettysburg, PA 17325All of our previous seasons can be found on our new channel!⁠⁠⁠⁠⁠⁠Botched Archives⁠⁠⁠⁠⁠⁠!A special shout out and thank you to all of our supporters over on Patreon. You help us continue to churn out “quality” episodes. With your continued support we can take our show on the road! Check out our store over at ⁠⁠⁠⁠⁠⁠⁠Botched Podcast⁠⁠⁠⁠⁠⁠⁠ where you can find tshirts, stickers, pint glasses and more!Give us a 5 star review on Itunes. Doing so will help the show grow, but we will also read out whatever you write at the end of one of our episodes!Feel free to email us any questions, comments or suggestions at ⁠BotchedPodcast@gmail.com⁠Follow us on ⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠, subscribe on ⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠, like us on ⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠.You can watch the show live on ⁠⁠⁠⁠⁠⁠⁠Twitch⁠⁠⁠⁠⁠⁠⁠!Check out each of the hosts' Twitch streams! ⁠⁠⁠⁠⁠⁠⁠Dennis⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Phil⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Tristan⁠⁠⁠⁠⁠⁠⁠Hosts: ⁠⁠⁠⁠⁠⁠⁠Dennis⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Phil⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Tristan⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠Steve⁠⁠⁠⁠⁠⁠⁠Editor: Philip D Keating And Dennis RobinsonProducer: Philip and DennisExecutive Producers: ⁠⁠⁠⁠James Thatcher⁠⁠⁠⁠, Chronic Ejac, Jim Beverly,Disgruntled Furniture, Chris Wisdom, ShinigamiSPQR,  Jayson Haiss, Toaster Bath and Scabby GoosePublisher: Phil and DennisArt by ⁠⁠⁠⁠⁠⁠⁠⁠Emily Swan⁠⁠⁠⁠⁠⁠⁠⁠Music by ⁠⁠⁠⁠⁠⁠⁠⁠Gozer⁠

HOUR 1: WWYD? Sitting for the Anthem; wearing hats inside. full 2324 Tue, 21 Jul 2026 19:00:00 +0000 SMwF2yLs9TfDEKdJD1Sv68ZGXCl7yt6G news The Dana & Parks Podcast news HOUR 1: WWYD? Sitting for the Anthem; wearing hats inside. 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 https://player.amperwavepodcasting.c

What happens when the church stops speaking the truth? Pastor Shawn Newberry joins me for an honest conversation about faithful leadership, biblical truth, the role of Christians in politics, and why too many believers have confused passivity with faithfulness. We talk about public schools, voting, the church's responsibility in the culture, and why now is the time for Christians to get off the sidelines and onto the battlefield. If you've ever wondered whether your faith should shape the way you engage with the world around you, this conversation is for you.My Freedom CartSupport businesses that share your values. Shop everyday essentials at My Freedom Cart and vote with your dollars.Show mentions: http://heidistjohn.com/mentionsWebsite | heidistjohn.comSupport the show! | donorbox.org/donation-827Rumble | rumble.com/user/HeidiStJohnYoutube | youtube.com/@HeidiStJohnPodcastInstagram | @‌heidistjohnFacebook | Heidi St. JohnX | @‌heidistjohnFaith That Speaks Online CommunitySubmit your questions for Fan Mail Friday | heidistjohn.com/fanmailfriday

Let's catch up on TV! Sarah and Matty are loving House of the Dragon, but Bob is over it. Big Brother has kicked off. Anya Taylor Joy's new show isn't horrible. Matty is watching ‘Little House on the Prairie'… lol. Sarah got totally scammed by AI. Can you guess the most watched seasons of Netflix in the last 4 years? Speaking of Tucker, Sarah is playing matchmakers with Marci. Plus, the biggest story of last week has been solved - supposedly.