Podcasts about Smart

Tired of ADHD strategies that don't work? Here's what actually does. FREE training here: https://programs.tracyotsuka.com/signup_____A 10-year-old boy sat across from Dr. Kalaki Clarke, MD during her psychiatry rotation, and she saw herself. Smart, charming, good grades but couldn't get it together. That's when she knew she had ADHD too.Dr. Clarke was in her first year of residency at UC Irvine, working 80-hour weeks in a system designed to test you constantly. She'd been the good kid, the high achiever, the one who always kept it together. But in residency, surrounded by neurotypical colleagues, sleep-deprived, and constantly performing, the mask finally came off. Her 2015 diagnosis became a turning point, launching her into advocacy for physicians with ADHD. She helped craft equity guidelines for neurodivergent resident physicians, spoke at the International Conference on ADHD, and delivered a TEDx talk called "Seeing is Freeing: How Observation Releases ADHD Potential."Now, as a board-certified family physician and Associate Professor of Medical Education at USC's Keck School of Medicine, Dr. Clarke spends her time providing care for underserved communities in Los Angeles while shaping the next generation of doctors.In this conversation, Dr. Clarke and Tracy talk about what it's like to have ADHD in a profession that demands perfection and how "seeing is freeing" applies to both patients and physicians. Dr. Clarke introduces her CAT method (Capture, Analyze, Transform), a framework for turning struggles into strategies. She also talks about leading by example, why she came out publicly about her ADHD at work, and what it means to create space for others to be seen when you've spent so long feeling invisible yourself.Resources: Linkedin: https://www.linkedin.com/in/kmclarkemd Instagram: https://www.instagram.com/this_md_kalaki/ TEDx Talk: https://www.youtube.com/watch?v=CKmRyxlas3ISend a Message: Your Name | Email | Message If this podcast helps you understand your ADHD brain, Shift helps you train it. Practice mindset work in just 10 minutes a day. Learn more at tracyotsuka.com/shift Instead of Struggling to figure out what to do next? ADHD isn't a productivity problem. It's an identity problem. That's why most strategies don't stick—they weren't designed for how your brain actually works. Your ADHD Brain is A-OK Academy is different. It's a patented, science-backed coaching program that helps you stop fighting your brain and start building a life that fits.

Grazing. Chronic stress. Poor sleep. Rushed meals. Sitting for long hours. Underfueled workouts. Estrogen decline. There's a lot more behind our fasting glucose and A1C than how many carbs we eat. This week we return to one of the most consistently requested topics: blood sugar meaning and management with Liz McKinney, CNS, LDN. We explore what glucose spikes really mean, why time-in-range and variability matter more than a single peak, and how stress, sleep, and even eating speed affect your numbers. We cover carb timing, meal sequencing, post-meal walks, creatine, why under-fueling can make exercise spikes worse, and much more so you can keep glucose working for your performance and overall health.Liz McKinney, CNS, LDN, heads up the clinical nutrition team at Nutrisense. Liz holds a Master of Science degree in Clinical Nutrition and Integrative Health and is a board-certified nutrition specialist (CNS) as well as a licensed dietitian nutritionist (LDN). In her time as a nutritionist, Liz has educated and counseled hundreds of clients in areas such as weight loss, hormonal imbalances, and gastrointestinal diseases. Her approach is rooted in the tenets of functional medicine, and she strives to identify the root cause of the issue instead of simply treating the symptoms. She realizes there is no one-size-fits-all approach to achieving optimal health and feels it is crucial to be in an equal partnership with her clients. Resources What to Know About Prediabetes and Menopause with Val Schonberg, RDN, CSSD (Episode 202)Sign up for our FREE Feisty 40+ newsletter: https://feisty.co/feisty-40/Join our Feisty Winter Training for Cyclists at https://feisty.co/ and look for the yellow banner at the top of the page. Use code HITPLAY50 to save $50 Learn More and Register for our 2026 Tucson Bike Camp: https://feisty.co/events/gravel-camp-x-bike-mechanic-school/ Follow Us on Instagram:Feisty Menopause: @feistymenopause Hit Play Not Pause Facebook Group: https://www.facebook.com/groups/807943973376099 Support our Partners:Midi Health: You Deserve to Feel Great. Book your virtual visit today at https://www.joinmidi.com/Previnex: Get 15% off your first order with code HITPLAY at https://www.previnex.com/ Nutrisense: Go to nutrisense.io/hitplay and use code: HITPLAY to get 30% offWahoo KICKR RUN: Use the code FEISTY to get a free Headwind Smart Fan (value $300) with the purchase of a Wahoo KICKR RUN at https://shorturl.at/maTzL

Dennis Goedheid is back on the show, and we dive deep into one of the most overlooked yet mission-critical aspects of running a property management company - identifying and saying no to the wrong owners. We also chat about his journey with Casiola's international expansion, his team's DEI award win at VRMA, and why scaling means getting crystal clear on your homeowner criteria. Whether you're just starting out or managing hundreds of properties, this conversation is packed with real-world insights from someone who's learned the hard lessons - and is still smiling!

It's time for another This Week in Work — your Tuesday round-up of workplace news, research and real-world dilemmas. Hosted by Leanne Elliott, Chartered Occupational Psychologist, and Al Elliott, business owner. This week: fake job ads, clever interview hacks, the power of recognition, and whether it really takes 10 000 hours to master anything.

Smart toys can talk and even remember what kids say—but what's that doing inside a child's developing brain? Artificial intelligence may be shaping children's language, emotions, and relationships. With guest expert Dana Suskind, MD, a leading researcher on early brain development, learn how real human interaction wires a child's mind—and what might be lost when those conversations happen with a machine instead of a person.     Send your questions to hello@pediatriciannextdoorpodcast.com or message me online here.  Find products from the show on the shop page.   *As an Amazon Associate, I earn commission from qualifying purchases.    This episode is made possible by our sponsor Cure Hydration. Get 20% off your first order at ⁠curehydration.com/⁠DRWENDY with code DRWENDY.  More from The Pediatrician Next Door:  Website: Pediatrician Next Door Podcast  Instagram: @the_pediatrician_next_door  Facebook: facebook.com/wendy.l.hunter.75  TikTok: @drwendyhunter  LinkedIn: linkedin.com/in/drwendyhunter    This is a Redd Rock Music Podcast  IG: @reddrockmusic  www.reddrockmusic.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you're not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you're approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today's Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy

In this episode of the Real Estate Pros Podcast, host Michelle Kesil speaks with Mickey and Laura from Savvy Home Sellers, who specialize in preparing homes for sale in Southern California. They discuss the importance of home staging, common mistakes sellers make, and how to create inviting spaces that appeal to buyers. The conversation also covers their business growth, networking strategies, and real-life success stories that highlight the impact of effective home preparation.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode, we delve into the concept of venting, which I find to be a fascinating and prevalent response to stress and overwhelm, particularly relevant to my brides facing the complexities of wedding planning.Venting is undeniably an instinctual reaction to the variety of intense emotions we experience, often manifesting when we feel overwhelmed, frustrated, or even disgusted. It provides a platform to express and purge these feelings, connecting us with others who can empathize with our emotional turmoil.Throughout the discussion, I highlight the necessity of recognizing when venting has transitioned into rumination, where repetitive chatter about an issue fails to lead to any constructive outcome. Each round of venting on the same topic should ideally bring new insights or actions. If you find yourself stuck in a loop, shifting to reflective practices such as writing can help break the cycle.What you'll learn from this episode:Smart venting techniquesThe shadow side of ventingMyths about ventingFeatured on the show:Follow me on Instagram to learn more about navigating your wedding with grace and ease: https://www.instagram.com/karaghassabeh/Check out **The Bridal Prep Academy:** https://karamaureen.comLet's connect on Facebook: https://www.facebook.com/KaraMaureenBridalCoachingGet your copy of the book, **Whispers to a Bride:**https://www.amazon.com/Whispers-Bride-handle-stress-drama/dp/B0BCRXBQFN/ref=sr_1_1?crid=1UXWJVJOF3MNI&keywords=whispers+to+a+bride&qid=1662643892&sprefix=whispers+to+a+bride%2Caps%2C141&sr=8-1

Octopus, more like ROCK-topus! Because these creatures bring the excitement. They can shape shift to match their surroundings. They have three hearts and teeth on their tongues! And they are super smart. Join fill-in host Rosie duPont and co-host Izumi as they explore the world of their eight-armed wonders. They’re joined by Dr. Jennifer Mathers, a biologist and psychologist who studies octopus cognition, and Ophelia, who is a chatty octopus. You can also play along with our octopus themed game show. All that plus a brand new Mystery Sound and mail from our listeners! Guest: Dr. Jennifer Mathers, author of Octopus Mind Want to support the show? Join Smarty Pass to listen to ad-free episodes or donate! Click here for a transcript of this episode.See omnystudio.com/listener for privacy information.

In this episode, I break down everything I've learned about hiring and managing contractors like a true professional. I share the biggest lessons I've learned from my own mistakes. You'll learn how to vet contractors, create detailed scopes of work, and structure payment schedules that protect your bottom line. I also unpack how clear communication and systems can save your sanity and profits when managing multiple projects. Timestamps (00:00) - Intro (02:27) - Build your contractor bench (03:56) - The contractor interview formula (05:19) - Scope of work essentials (06:27) - Smart contractor payment setup (07:57) - Systems for success and control   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Join our investor list: https://www.frommilitarytomillionaire.com/investors Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire

Tim and John go from Halloween tricks to political treats. Reddit's co-founder makes a bold move, the Democrats need a rebrand, and the latest Kardashian product you didn't know you needed (or wanted). Smart talk, sharp laughs. Apple Podcasts: apple.co/1WwDBrC Spotify: spoti.fi/2pC19B1 iHeart Radio: bit.ly/4aza5LW Tunein: bit.ly/1SE3NMb YouTube Music: bit.ly/43T8Y81 Pandora: pdora.co/2pEfctj YouTube: bit.ly/1spAF5a Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, Traci welcomed Wendy Sherry, Chief Executive Officer for Global Health Benefits within International Health at Cigna Healthcare, overseeing healthcare delivery to more than 3,700 clients in over 250 countries.With 30 years at Cigna spanning multiple leadership roles, Wendy is a strong advocate for inclusion and the advancement of women in leadership. She also serves as an advisor to Hello Heart and supports healthcare equity angels.Spoiler alert: 50% of millennial women are experiencing perimenopause symptoms right now, and by 2030, three-quarters of the global workforce will be millennials or Gen Z—meaning this isn't a women's issue, it's a business imperative.What We CoverThe inclusive leadership philosophyWhat perimenopause actually does to your body50% of millennial women have perimenopause symptomsWhich states mandate menopause workplace protectionsWhy this is a business imperative, not a nice-to-haveThe hidden cost of perimenopause stigmaHow Cigna connects employees to menopause specialistsThe talent war you're losing without these benefitsWhat to ask your benefits provider tomorrowKey Quote"If all the good ideas come from me, we are in trouble. You need to have a team that in many ways is smarter than you in certain areas, because it's all about perspective." – Wendy SherryConnect with Wendy Sherry: https://www.linkedin.com/in/wendy-sherry/ Website: https://www.cignaglobal.com/employers/na Connect with Traci here: https://linktr.ee/HRTraciDisclaimer: Thoughts, opinions, and statements made on this podcast are not a reflection of the thoughts, opinions, and statements of the Company by whom Traci Chernoff is actively employed.Please note that this episode may contain paid endorsements and advertisements for products or services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.

In this episode, we explore how today's investors are adapting to volatility, inflation, and complexity across markets. Lance Roberts & Jon Penn explore Structured Notes: These complex instruments promise tailored returns, but they come with tax pitfalls and credit risks investors must understand before buying. We'll break down how structured notes work—and why they may belong inside an IRA rather than a taxable account. The Return of Adjustable-Rate Mortgages (ARMs): Homebuyers are betting that interest rates have peaked—opting for lower initial payments despite future risks. Are ARMs smart financial strategy or a sign of desperation in a high-cost housing market? 0:19 - Palantir : No Rewards for "Good" Results 5:19 - Does the Next Correction Start Today? 10:46 - Christmas Tree Forest & The Hobby Lobby Date 12:31 - Structured Notes Explained 15:39 - Why Am I So Lucky? 16:58 - Debt Obligation & Phantom Taxes 20:09 - What is the Risk - What Can Go Wrong? 23:54 - The Problem with Chasing Returns 27:05 - Know What You Own 29:12 - A word About Options & Puts 31:41 - Adjustable Rate Mortgages - The Worst Thing Ever Invented 36:36 - Don't Become Imprisoned by Your Home Mortgage 38:41 - What a "Starter Home" Should Cost 40:49 - Always Plan for What Could Go Wrong Whether you're a Gen Z investor, a first-time homebuyer, or a seasoned investor exploring structured products, this discussion will help you understand how financial behavior evolves when markets, rates, and risk collide.

Jake Zwaagstra is the CEO of TriCelta Development and a veteran builder of complex hospitality projects from the Las Vegas Strip to tribal mega-developments. He's worked both GC-side and owner-side, translating vision into budgets, drawings into buildings, and chaos into opening days. Susan and Jake talk about function over flair and momentum over mayhem. What You'll Learn About: • The owner's-eye view that changes everything about building • Lessons hotel development can steal from nuclear projects • The real difference between a project manager and a development manager • What developers actually do day to day on hotel builds • Smart ways to stay ahead of supply-chain chaos • Why front-desk mockups save years of operator frustration • The three-part formula for better design decisions • How model rooms power everything from IT to marketing • Why tech-forward hotels still need human touch • How to rescue a luxury project from $1,100-per-foot wallpaper Our Top Three Takeaways 1. Development Management Is More Than Construction Jake distinguishes development management from project management—it's about guiding the project from concept to completion, not just managing timelines and contractors. His team's role is to translate an owner's vision into an operationally sound, financially viable, and buildable reality. They stay several steps ahead of potential roadblocks—whether that's tariffs, supply chain issues, or union disputes—to keep the project moving and protect the owner's investment. 2. Function and Long-Term Operations Trump Aesthetics Jake's philosophy is clear: never "value engineer" something that affects the operator's ability to run the property. Early decisions—like front desk ergonomics, model room mockups, and material choices—should be made with the day-two operator in mind. He prioritizes function over form, lead time over looks, and performance over preference to ensure hotels are built to operate smoothly and sustainably long after the ribbon-cutting. 3. Communication and Accountability Are the Secret Weapons Lessons from outside hospitality, such as his experience building a nuclear enrichment facility, reinforced Jake's belief in over-communication and structured accountability. His "Plan of the Day" approach—daily 15-minute check-ins to clarify goals and track follow-through—keeps massive projects aligned and moving. That same mindset applies to hospitality development: clear expectations, daily progress, and follow-up ensure no one loses sight of the big picture, even on complex, multi-year builds. Jake Zwaagstra on LinkedIn https://www.linkedin.com/in/jacob-zwaagstra/ TriCelta Development https://www.triceltadevelopment.com/ Other Episodes You May Like:  57: Teddy Ruxpin Witchcraft

We can avoid being swept up in the newest fad or the oldest con. We can stop reliving the same mistake.

In this episode of HomeKit Insider, hosts Andrew O'Hara and Wes Hilliard dive into the latest smart home innovations and challenges. They discuss the potential bankruptcy of iRobot, the introduction of DJI's new robotic vacuum, and the intriguing features of the Akara Cam G100. The conversation also touches on the importance of local control in smart home devices and the evolving landscape of Matter integration. Tune in for insights on the future of smart home technology and practical advice for navigating the ever-changing tech ecosystem.Send us your HomeKit questions and recommendations with the hashtag homekitinsider. Tweet and follow our hosts at:@andrew_osu on Twitter@andrewohara941 on ThreadsEmail me hereSponsored by:Surfshark: Go to https://surfshark.com/homekit or use code homekit at checkout to get 4 extra months of Surfshark VPN!Shopify: Sign up for a one-dollar-per-month trial period at: shopify.com/homekitFunction Health: Learn more and join using my link. The first 1,000 users get $100 credit. Visit www.functionhealth.com/HOMEKIT or use code HOMEKIT at checkoutHomeKit Insider YouTube ChannelSubscribe to the HomeKit Insider YouTube Channel and watch our episodes every week! Click here to subscribe.Links from the showiRobot bankruptcy concernsNeato server shutdown noticeDJI Romo vacuumSwitchBot candle warmerGE Cync new lightsSamsung Smart Home Hub 2Aqara G100 CameraThose interested in sponsoring the show can reach out to us at: andrew@appleinsider.com

The holiday season often brings stress, overspending, and clutter—but it doesn't have to. In this episode of Got Clutter? Get Organized!, we explore the meaning behind Use Less Stuff Day and how it can transform the way you celebrate. I'll also share a client story that shows how creativity can replace costly gifts with heartfelt ones that loved ones truly appreciate. This year, give yourself the gift of less stress and more joy. Simplify, organize, and enjoy the season with intention. If you're feeling overwhelmed about the holiday season, let me help you create a strategy to organize your home and time so you can focus on what really matters. What You'll Learn in This Episode: How to declutter before you decorate and avoid buying more than you need Simple strategies for meaningful, clutter-free gift giving Smart ways to plan holiday meals and traditions with less stress How to create a holiday binder or digital folder to stay organized Listen to the Full Episode:https://gotcluttergetorganized.com/ Support This Podcast: Buy Me a Coffee: https://www.buymeacoffee.com/gcgowithjanet Janet's Organizing Resources: 15-Minute FREE Consultation: https://linkly.link/2FBkK Organizing Services: https://janetmtaylor.trafft.com/ Clear Your Desk, Clear Your Mind Course: https://bit.ly/3y4dDby eBooks: Barnes & Noble: https://bit.ly/42fVq75 Amazon: https://amzn.to/46FpkEj Janet's Product Picks: Nok Box (Next of Kin Box): https://bit.ly/3SRYpxw 3 Tier Spa Tower: http://bit.ly/3JAmJlV Stay Connected & Join the Community: Instagram: https://www.instagram.com/janettheorganizer YouTube: https://www.youtube.com/@JanetMTaylor Pinterest: https://www.pinterest.com/janetmtaylor/ TikTok: https://www.tiktok.com/@janettheorganizer Facebook Group: https://www.facebook.com/groups/livinglifetotallyorganized

It is time for some smart money moves! This month, Art considers some moves that focus on gratitude and following the next step God gives you. Additionally, Art addresses two financial questions—one about a HELOC and another about buying a house. Don't miss it!Resources:8 Money MilestonesChristian Money HelpAsk a Money Question!

In this powerful replay, Chris Craddock sits down with Avery Carl — founder of The Short Term Shop, best-selling author, and real estate investor with over 200 doors — to break down exactly how real estate agents can escape the transactional grind and build true wealth through short-term rentals.Key Takeaways:Learn why Avery focuses on “true vacation markets” with a history of short-term rental demand and how to identify similar markets that fit your investment goals.Avery explains why mature vacation markets tend to be more stable, with less regulatory pushback, providing a strong foundation for consistent ROI.Avery shares why real estate agents should consider shifting from primary home sales to an investment-oriented approach to build sustainable wealth.Hear how Avery grew The Short Term Shop to operate in multiple markets and how a team with a specialized focus on short-term rentals can serve clients better.Connect with Avery:Website: theshorttermshop.comInstagram: @theshorttermshopEmail: careers@theshorttermshop.comYouTube: The Short Term Shop YouTubeConnect with Chris:Instagram: @craddrockFacebook: Chris Craddock BusinessResources

Home ownership is becoming harder for many Americans, with78% citing affordability issues like income and down payments (2024Bankrate/Yahoo Finance). Most buyers (74%) require financing, assessed by rulessuch as the 28/36 rule. The number of loan officers dropped by half from 2021to 2023 (Investopedia), and only 27–40% of buyers use them; most get loansthrough banks or credit unions.Michael Newmann, Branch Manager & Senior Loan Officer atCMG Home Loans, offers expertise in wealth-building home loans nationally. Withover 20 years in the industry and a background in psychology, he leadshigh-profile clients using strategies like CMG's innovative All-In-One Loan—a30-year HELOC with daily interest calculations and equity access. Michaelcombines financial knowledge with empathetic client service and strategicthinking, aiming to help clients save money and reduce their mortgage terms.For more information, For More Information: https://www.cmghomeloans.com/mysite/mike-newmann/team/The-Newmann-Group or call (541) 227-2722. 

In this episode of the Real Estate Pros podcast, host Kristen interviews Jenarda Makupson, a real estate entrepreneur and author of 'Keys to the Kingdom: A Woman's Guide to Winning in Real Estate.' Jenarda shares her journey into real estate, her experiences in the California market, and her insights on empowering women in the industry. She discusses the importance of preparation, understanding financing options, and finding mentorship. The conversation highlights the significance of resilience in overcoming mistakes and the value of building wealth through real estate.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of the Real Estate Pros podcast, host Erika chats with Allana Lippman, who shares her journey in the real estate world, starting from her first property purchase to expanding her portfolio with multi-family and mixed-use properties. Allana discusses the lessons learned from her initial investments, the importance of tenant screening, and the challenges faced in managing different types of properties. She also highlights the significance of mentorship and continuous learning in real estate, as well as her future aspirations, including writing a book and refining her investment goals.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Two legends of the weighing room join Emmet Kennedy for a blockbuster start to The Final Furlong's National Hunt Review Series, powered by 1xBet Ireland.Grand National-winning jockey Daryl Jacob and Lizzie Kelly, the first woman to win a Grade 1 over fences, bring expert insight, humour, and inside-the-weighing-room honesty to the table.

This week on the Retirement Quick Tips Podcast, I'm talking about smart retirement withdrawals - 10 principles to help you sustain and grow your retirement withdrawals in retirement, while maintaining financial security and not running the risk of running out of money.  Today, I'm talking about another strategy to help you manage your withdrawals during times of economic and market difficulties - using your bond portfolio for withdrawals when the stocks are down.

We're taking it back to one of our favorite episodes from 2020. A powerful story of passion, growth, and grit in the wellness industry. In this rebroadcast of Massage Boss Stories, we revisit our conversation with Elyse Badewitz, owner and founder of Spa Haus Nashville. From managing day spas and salons to launching her own dream business, Elyse shares how she built Spa Haus from a one-woman show into one of Nashville's top massage and skincare destinations. In this episode, Elyse opens up about: How Spa Haus Nashville came to life and scaled rapidly Building a supportive, growth-driven team of 14+ staff Smart strategies for paying and leading her team Lessons learned from challenges including navigating COVID-19 Her best advice for aspiring spa owners and leaders Whether you're running your own wellness business or dreaming about it, this episode is packed with timeless insights and inspiration. Learn more about Spa Haus Nashville: spahausnashville.com   - - - - - - - - - - - - - - - - - - - -  Want to build a wellness practice that gives you both TIME and MONEY? Learn more at www.scalingwellness.com    Schedule Your No-Cost 1:1 Strategy Call: www.scalingwellness.com/chat    Follow us on Instagram: www.instagram.com/scalingwellness  

Mark and Pete, the Reverend and the Retailer tackle three stories that expose the strange priorities of our modern world — from comedy to catastrophe and cosmetic chaos. First, they salute the late Prunella Scales, Britain's beloved queen of sitcom wit, whose turn as Sybil Fawlty made her both feared and adored. Her death marks the passing of an age when women could be beautiful, brainy, and blisteringly funny all at once. Mark and Pete reflect on humour, holiness, and the grace of growing old with dignity. Next, they descend into the corporate turbulence of Boeing, now facing a five-billion-dollar penalty for missed deadlines and broken promises. What happens when engineering pride outruns integrity? Finally, they bare their teeth at Britain's booming black-market whitening trade, where peroxide-heavy gels are burning gums and blinding sense. The British Dental Association is appalled — and so are Mark and Pete. From laughter to litigation, the duo uncover the spiritual truth behind society's obsession with polish and performance. Whether in the cockpit, the boardroom, or the bathroom mirror, the message is clear: true faith outlasts false shine. Smart, sardonic, and spiritually charged — Mark and Pete find divine wisdom in the week's most ridiculous headlines.Become a supporter of this podcast: https://www.spreaker.com/podcast/mark-and-pete--1245374/support.Supporters get updates on new projects and hot takes on the latest news plus Mark and Pete Extra  in depth commentary episodes and Mark and Pete vs AI  comedy episodes. All right here in this podcast feed.  Thank you for your support, welcome to the community.

Willkommen zu Unternehmerwissen in 15 Minuten. SMART das Kurzformat. Mein Name ist Rayk Hahne, Ex-Profisportler und Unternehmensberater.   Wir starten sofort mit dem Training.   Dich erwarten heute:   Lieferkettengesetz 2025 – Pflicht oder Chance für Dein Unternehmen?   Wichtigster Punkt aus dem heutigen Training?   Was das für Dich bedeutet.   Die Folge teilst Du mit dem Link: raykhahne.de/1225 . Bevor wir gleich mit der Folge starten, habe ich noch eine Empfehlung für Dich. Diesmal in eigener Sache. Wie lange hörst Du eigentlich schon den Podcast? Ich will ganz ehrlich zu Dir sein. Die meisten Unternehmer setzen einfach nicht um. Das liegt nicht daran, dass sie es nicht wollen, sondern eher daran, das es bei anderen immer so einfach aussieht. Oft fehlt die Struktur, das klare Vorgehen. Auch bei uns hat es viele Jahre gedauert ein so belastbares System aufzubauen. Genau deswegen können wir Dir zeigen, wie Du es schaffst mehr Zeit für Familie, Freizeit und Fitness zu haben. Da Du schon lange den Podcast hörst möchte ich Dir ein Angebot machen. Lass uns einmal für 15 Minuten locker über Deine aktuelle Situation sprechen und dann schauen wir wo Du aktuell die größten Hebel hast. Wie klingt das für Dich? Das ganze ist natürlich kostenfrei. Wenn Du endlich einen Schritt weiter in die Umsetzung kommen willst, dann lass uns sprechen. Geh dazu auf raykhahne.de/austausch und buche Dir einen Termin. Da die Termine oft schnell vergriffen sind, empfehle ich Dir, jetzt direkt Deine Chance zu nutzen. raykhahne.de/austausch Buche Dein Termin und dann unterhalten wir uns. Willkommen zu Unternehmerwissen in 15 Minuten. Mein Name ist Rayk Hahne, Ex-Profisportler und Unternehmensberater. Wir starten sofort mit dem Training. Rayk Hahne ist Ex-Profisportler, Unternehmensberater, Autor und Podcaster. Er ist als Vordenker in der Unternehmensberatung und unternehmerischen Weiterentwicklung bekannt und ermutigt Unternehmer aller Entwicklungsstufen, sich aus dem operativen Tagesgeschäft ihres Unternehmens zurückzuziehen, um mehr Zeit andere Lebensbereiche zu gewinnen. Seine sportliche Disziplin und seine Erfahrung aus 10+ Jahren Unternehmertum nutzt er, um so vielen Unternehmern wie möglich dabei zu helfen, ihren „perfekten Unternehmertag" auf Basis individueller Ressourcen und Ziele für sich umzusetzen. Die kompletten Shownotes findest du unter raykhahne.de/1225

The Dave Thomas Foundation for Adoption doesn't treat partnerships as a side project—they're the operating system. During this National Adoption Month and in this Nonprofit Power Week kickoff, Senior VP Jill Crumbacher shares how the Foundation builds relationships that move from a good idea to real results. Step one: align the people doing the work. “Our marketing and our development practice is under one department that I lead,” Jill explains. That single team design means awareness and revenue aren't competing—they're collaborating—so a PSA, a billboard, a direct-mail test, or an influencer post can ladder up to the same mission outcome.Jill dismantles the common myth that Wendy's alone funds the mission. Wendy's is a long-standing, values-matched partner, but the need—kids and teens waiting for family in the U.S. and Canada—calls for many hands. That's why DTFA manages a wide mix of partners each year: micro-influencers and media outlets, cause-aligned brands, and fundraising collaborators. To keep everything clear and friendly, they start with the right agreement for the moment—an approachable MOU for brand exchanges and content support; a fuller contract when dollars or large placements are involved. The paperwork isn't red tape—it's a map. Who does what, by when, with what approvals. Everyone can move faster because expectations are written down.Media is changing, and the Foundation adapts. Donated placements are still vital (think PSAs across billboards, airports, radio, and connected TV). But there's also a growing middle lane Jill calls “low bono”—discounted inventory that isn't free but is far below market. The team buys when the data says it's smart, especially in digital, and pairs that with donated reach for scale.Brand care is a shared responsibility. The Foundation reviews language and usage to protect its name and the Wendy's connection. If something flares online, they pick up the phone so partners aren't blindsided. That builds trust, and trust keeps doors open. Multi-year deals? They're great when they make sense, but Jill's team prefers to earn renewal through value rather than lock people in. The relationship stays fresh because both sides want to come back.Maybe the most refreshing part is Jill's take on celebrity. The organization has tested it; the results weren't lasting. The real wins come from people and brands who show up because they truly care. As Jill puts it, “You go further with the ones that are organic… when you're all in it about the mission.” Those partners bring energy, introduce new allies, and help the message travel farther.If you're rethinking how your organization shows up with partners—how you set expectations, share brand space, blend donated and paid reach, and keep everyone rowing in the same direction—this conversation is a ready-to-use roadmap for doing it well, and doing it together.#TheNonprofitShow #AdoptionMatters #NonprofitPartnershipsFind us Live daily on YouTube!Find us Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits! 12:30pm ET 11:30am CT 10:30am MT 9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

There's a lot of talk in the detailing world about SiO2 content in ceramic coatings — but what does that actually mean? In this episode, Jimbo breaks down the real story behind SiO2 and how it's used (and misunderstood) in the detailing industry. You'll learn what SiO2 really is, why it doesn't behave the way many people think it does in solvent-based coatings, and how marketing language often bends the truth. This isn't about calling anyone out — it's about helping you see through the noise and ask better questions before buying or selling a product. Jimbo shares his insider experience working with blenders, chemists, and sales reps, explaining where the disconnect happens and how to tell the difference between marketing buzzwords and real chemistry. → What you'll learn in this episode: What SiO2 actually is and how it forms during curing Why solvent-based coatings can't contain raw SiO2 the way some claim How sales and marketing language often twist technical details Smart questions to ask your supplier or chemist to get real answers Why honesty and transparency always win long term in this industry → Products built on real chemistry, not hype: The Gloss Boss (Pro Wipe-On Ceramic Coating): https://jimbosdetailing.com/products/the-gloss-boss Tough As Shell (Spray Ceramic Coating): https://jimbosdetailing.com/products/hard-as-shell-ceramic-spray Jimbo's Detailing on Amazon: Amazon.com/JimbosDetailing

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 2784: Wanderer dismantles the myth that 529 college savings plans are a smart financial move, revealing how their restrictions and market dependence often leave families worse off. With practical alternatives and a clear-eyed view of education costs, he shows how parents can invest more wisely and secure true financial freedom instead of chasing tax breaks that don't deliver. Read along with the original article(s) here:⁠ https://www.millennial-revolution.com/invest/529-plan/⁠ Quotes to ponder: "Parents are told they're doing the right thing by saving for their kids' college education, but in reality, they're walking straight into a trap." "The government loves programs like the 529 because it gets you to tie up your money for decades, ensuring you keep working and paying taxes." "Instead of locking money away in a 529, invest it in an index fund, let it grow, and teach your kids how to be financially independent." Episode references: Vanguard Total Stock Market Index Fund (VTSAX):⁠ https://investor.vanguard.com/investment-products/mutual-funds/profile/vtsax⁠ The Simple Path to Wealth:⁠ https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How would you go about making acquisitions to accelerate your growth? Would you buy for revenue, culture fit, or client roster? Would you be willing to fire big clients that are holding your agency back? Most agency owners chase growth by saying "yes" to everything, from new services, new clients, and every new opportunity. Today's featured guest built one of the fastest-growing mobile and digital agencies in the world by narrow focusing, firing bad-fit clients, and mastering the art of strategic acquisitions. Today he'll unpack how his agency evolved from a small mobile startup in Tel Aviv to a global digital powerhouse working with brands like Google, Uber, Samsung, and Microsoft. Gilad Bechar is the CEO and founder of Moburst, a mobile-first marketing and digital transformation agency with offices in Tel Aviv, New York, and San Francisco. Since 2013, Moburst has helped startups and Fortune 500s alike scale their reach through creative, data-driven, and tech-forward strategies. Under Gilad's leadership, the agency has raised capital, acquired multiple specialized firms, and built proprietary technology that keeps them ahead of the curve in AI, mobile UX, and cross-platform performance. In this episode, we'll discuss: The similarities between the mobile boom and the new AI era. Raising capital without losing control. Using acquisitions as a growth strategy. The power of saying no and focusing on fit. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From A Mobile-First Niche Focus to Global Agency Powerhouse When Moburst launched in 2013, the agency world was flooded with "digital experts" who claimed to understand mobile. Most didn't. Gilad noticed that agencies were simply repurposing desktop experiences for smaller screens without real mobile UX thinking, no data-driven optimization, and definitely no understanding of how users behaved differently on apps. That insight became Moburst's edge. Instead of trying to compete as another full-service digital shop, they doubled down on mobile-first marketing. They mastered app store optimization (ASO), performance tracking, and mobile UX design. That focus helped them land early wins with major clients who were desperate for expertise in a fast-changing environment. As Gilad puts it, "When you show big clients that a critical piece of their marketing is being ignored, and you can fix it, that's your entry point." The AI Parallel: Most Agencies Talk, Few Deliver Gilad sees history repeating itself with AI. Just like the early mobile days, everyone's suddenly an "AI expert." But the difference between hype and real expertise shows up fast in a conversation. He believes the proof lies under the hood. Real experts can answer deep implementation questions: which tools integrate best, how to handle data security, and what AI models perform for specific tasks. Pretenders can't. For agencies, this is a reminder that credibility is earned through insight, not jargon. Clients see through the buzzwords. And the ones who don't will eventually learn when the work doesn't deliver. Raising Capital Without Losing Control Unlike most agency founders, Gilad took venture funding, not once, but three times. But he did it differently. Instead of giving away huge equity chunks, Moburst only diluted small percentages (around 6% each round). The investors came to them after seeing how fast their clients were growing. Without that, his agency wouldn't have its current success in the US market and would probably still be a very local agency in Israel. That capital gave him the means to hire a team in New York and then eventually move there to lead that office. It was the start of many new opportunities for the agency, like building internal tech tools that set them apart. It was also the way his team has stayed ahead of the curve from competitors that are not investing in the future and stay too focused on the right here and now. Furthermore, despite having 11 investors, Moburst kept full control. Only one board seat represents all investors, and it can't override the founders' decisions. According to Gilad, that control is what allowed them to make hard but smart moves, like firing clients and cutting costs in 2017 when growth was strong but profitability wasn't. The Hard Reset That Saved the Agency and Restored Profitability In 2017, Moburst was scaling fast but losing money just as quickly. The agency was adding clients and headcount, but without the right systems to manage profitability. At one point, they were bleeding up to $70,000 a month. So Gilad made the tough call: he cut unprofitable clients, reduced staff, and rebuilt the agency around systems that supported healthy margins. "It was brutal," he admits. "We let go of big, well-known clients we loved working with. But it didn't make sense to keep losing money just to say we worked with them." That painful reset worked. By 2018, the agency was profitable again and positioned for sustainable growth. That reset set the stage for their next evolution: acquisitions. How to Use Acquisitions as a Growth Strategy (Not a Gamble) Moburst's acquisition strategy wasn't about buying revenue or chasing vanity growth. It was about buying capabilities that solved their biggest operational gaps. Their first acquisition was a video production studio they had already worked with for over a year. The partnership was strong, the culture aligned, and the collaboration was smooth. So they brought them in-house in 2019 and the agency's offerings instantly expanded. Then they looked at their next biggest outsourced expense: web and app development. So in 2022, they acquired a dev shop after a successful collaboration period. In total, Moburst has made five acquisitions, each one following a simple rule: test first, integrate later. As Gilad says, "We don't buy to solve problems. We buy what already works and multiply it." When asked about whether or not these brands keep their names after acquisition, Gilad says it all depends on their brand authority. If they do great work and have a solid team but their brand isn't as strong, then it's best to just bring it under the Moburst umbrella. In case they do have a strong brand, then they'll just make sure their website reflects they are part of a larger group. How to Structure an Agency Acquisition Deal the Smart Way For agency owners eyeing their own M&A moves, Gilad shared his preferred deal structure. Each acquisition has four key components: Cash upfront - Rewards founders for their hard work. Equity - Gives them a stake in the larger vision. Dividends - Paid yearly so they benefit from the agency's profits. Performance bonuses - Tied to the profitability of their specific business unit. This structure keeps founders motivated and aligned for years to come, without the traditional burnout that comes from rigid earnouts. Everyone wins when growth is sustainable and collaborative. Why Firing Bad Clients Helps Scale Smarter One of the biggest lessons Gilad takes away from journey is the courage to say no: to clients, deals, or directions that don't fit. Agencies often cling to bad accounts out of fear of losing revenue, but simply put, that's a silent killer. If you're not profitable on a client, you're not just breaking even; you're paying for the privilege of overworking your team. Moburst's growth didn't come from doing more — it came from doing what mattered most. By focusing, pruning, and strategically acquiring, Gilad turned a niche mobile startup into a global digital powerhouse. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

In this episode of the A Wiser Retirement® Podcast, Shawna Theriault, CFP®, CPA, CDFA®, and William Medcalf, CFP® discuss how year-end is the perfect time to be strategic with charitable giving. They explore smarter ways to give, instead of just writing a check, to reduce your tax burden. Related Podcast Episodes: Ep 307: Unlocking the Power of Trusts: 10 Different Trusts & How to Use ThemEp 180: How does a Charitable Trust work?Ep 190: Year-End Tax Moves: Planning Ahead for a Stress-Free Tax Season with Jordan Sute Norton, CPARelated Financial Education Videos:What is a charitable remainder trust (CRT)? Reduce Your Taxes and AGI by Giving to Charity Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

This week on the Retirement Quick Tips Podcast, I'm talking about smart retirement withdrawals - 10 principles to help you sustain and grow your retirement withdrawals in retirement, while maintaining financial security and not running the risk of running out of money.  Today, I'm talking about keeping your powder dry. One of the most important aspects of maintaining and growing your withdrawals without sacrificing financial security is maintaining flexibility…cash is king!

To be continued in part 23, By FinalStand for Literotica. Christian College Sex Comedy: Part 23 Zane Spars with the minds of the Faculty In 30 parts, By FinalStand. Listen to the podcast at Explicit Novels. "You are quite the James T. Kirk in this Undiscovered Country of Freedom Fellowship University," Doctor Scarlett eventually spoke up. I didn't know who that was but I had a feeling it wasn't a modern Christian author. "Who?" I asked. Doctor Scarlett blinked. "James T. Kirk, Captain of the Starship Enterprise, from Star Trek," she seemed confused that I didn't know who this guy was. "Wait, you mean that bald guy? I thought he was named something else," I wondered. "That's Jean Luc Picard, who was the captain in the second series called Star Trek: The Next Generation," she corrected me. It was somewhat amazing to me that the Vice Chancellor was a science fiction buff. Who knew? "Oh, wait, you mean that guy that Chris Pine plays?" I thought I figured it out. "Thank you; he is kind of hot." "No," she corrected, "that is the new series of movies, but it is the same character." I nodded as the pieces slowly came together. "Ah, the Green Orion Slave Girl," I finally clued in, "and that black babe who later showed up on Heroes." Sensing Doctor Scarlett's exasperation I added, "I remember ladies better than I do men." "Obviously," she noted. "I did not call you to my office to discuss trivia, Mr. Braxton, " "Please, call me Zane," I interrupted then, "and I apologize for interrupting. May I call you Victoria?" "Doctor Scarlett will do," she shook her head. "As I was saying, I asked you here to discuss your integration into this school so that we can avoid some of the problems experienced in the past." I looked at her; she looked back, expecting me to say something, but I didn't. "As the sole eligible male on campus, what do you see as your role here?" she pressed on. "Uhmm, Doctor Scarlett, I am a student here, that is my role. Are you implying that I'm looking for something special because I am a guy?" I questioned. "Mr. Braxton, Zane, you are a guy, you have remodeled your personal quarters into a bordello, and there is evidence of you having sexual relations with multiple female students," she responded. "How is that not 'something special'?" "The administration stuck me in the attic, then told me I could set up my room any way I saw fit," I clarified. "The vast majority of my room is set aside for my fellow freshmen to have a place to unwind and relax." "I've never violated any girl's Purity Pledge, though a few have reconsidered it after meeting me," I admitted. "I've been in a few fights, I'm not proud of that. I did as much as I could do to resist Chancellor Bazz, I am proud of that. What she was doing was ten shades of wrong and I don't run away from a righteous fight." "Zane, I am not condemning you for defending the women in your life, nor for having a healthy libido," Doctor Scarlett stunned me with a lack of blame being tossed my way. I worked that over in my mind until I figured out what was going on. "So, do you have any recommendations on what I could do differently to fit in?" I inquired. The problem was, this wasn't about me fitting in. She wasn't lauding my sexuality and she was trying to throw me off-center by the little annoying phone call game, followed by this sympathetic interpretation of my school life to date. I knew she wanted to manipulate me but I didn't know why. I had to get her to tip me her hand so I could figure out what the game was. "Are you familiar with the concept of Christian Female Tribalism?" Scarlett opened. "I get the feeling it has something to do with the six framed articles from non-Christian magazines hanging on your wall," I noted. "Also, you are clearly the darling of the Christian media," I added, as I tallied up the dozen other articles attesting to her fame. "I haven't dedicated my life's work for the sake of popularity," Doctor Scarlett smiled (sure, right). "I am looking into the relationship between Jesus Christ's teachings, men and women. My research has led me to believe that women exist in a more spiritually pure form when solely in the company of other women." "Where do men fit into this picture?" I questioned. "Men provide the ultimate guidance, of course, as well as their roles in procreation and raising male children past the age of eleven," Doctor Scarlett related. "Women are happiest and most effective when they form their own networks and hierarchies." "You don't date much, do you?" I had to ask. "Mr. Braxton, I have lived a chaste life in pursuit of my studies," she answered. "Outside of your father, Victoria, have you ever lived under a man's guidance?" I wondered. It was a calculated move to use her Christian name. "It is Ms. Scarlett, Zane, and I have relied on a variety of pastors for spiritual guidance over the years," she stated. "Okay," I stood up, "we have nothing to discuss then." She didn't yell at me as I headed for the door. "You've never been in love and I can tell you have a poor estimation of romance." "You would be incorrect, Zane; I have been in love but I chose purity over sinfulness," she countered. "My faith is based on God being love, without reservation, restriction, or guilt. I know exactly where you are coming from," I said with my hand on the doorknob as I looked over my shoulder. "You are seeking validation for the mistakes you've made over your lifespan and you are willing to sacrifice the young ladies at the school." I was getting angry. "I was hoping for something better but it seems like a different conductor but the same old music, Doc." "That is not so," Doctor Scarlett stayed calm. "I am not attempting to drive you or any other student off campus. I am not your enemy." "That is simple enough to resolve," I nodded. "What is your perfect women's society view and response to promiscuity?" "Lust is a sin; women should resist sin as vigorously as men," she countered. "The seven deadly sins are Catholic, not the words of Jesus," I grinned. "In fact, the first list wasn't even created until the 4th century after Christ." "That does not make them any less valid," Doctor Scarlett offered. "What is the cut-off date for Bible legitimacy?" I turned and faced her. "1000 Ace? Today, here, and now? Who is to say I can't create new scripture, then?" "I apologize, Zane," she mused, "but you hardly seem to be someone touched by the hand of God with a gift of prophecy." "Do I have to lay on hands to prove it?" I beamed. I had finally been able to interject sexual innuendo into the conversation. She didn't respond like a damn normal person, no. Doctor Scarlett stood up, walked around her desk and came to a stop barely a foot from me. I am not so easily deterred. I leaned into the doctor until my nose was at the crux of her neck and shoulder. I used my cheek to push her hair aside and sniff my way up to her ear. She was really ironclad in her control of her passions. I trailed my nose up to her eyebrow ridge, circled over the forehead, down past the other eye, and over to her lips. We didn't kiss but I did get what I wanted. "How about I call you Victoria when we are alone?" I tested her. "No; call me Ms./Dr./Vice-Chancellor Scarlett," she corrected. "You are my student." "Cool," I shrugged. "Is there anything more for us to discuss?" "I would like to discuss my plans for this school and the role I think you can take on," Scarlett persisted. "We've had that discussion, I chose a messy democracy over any sweet-smelling dictatorial existence," I declared. "Your belief system stands for the denial of self-determination." "It does not, Zane. If anything, it gives women more power over their lives," she explained. "But the basis for your system retains men in charge, with the added 'benefit' of women being more removed from the critical decision-making processes," I replied patiently. "Don't you enjoy being in charge of so many women here at FFU, Zane? You have certainly convinced dozens of women to do what you want, even to their own detriment," Doctor Scarlett drove her point home. I laughed; I couldn't help myself. "I might enjoy being in charge if any of the women would give me the opportunity, Victoria. Honestly, I allow the women here to safely experiment with their sexually," I explained. "Thing is, I really don't mind because I help these ladies become more comfortable in their skins, with their desires, and allow them to share things they have discovered about themselves. If I was with only one woman, what peer could she talk to? You've put your blinders on to the fact that women want to examine those urges they all have," I proposed. "They don't surrender to lust; they acknowledge it, explore those frontiers, and then decide how to use that knowledge," I continued. "Most of the women in my life here don't lose their virginity. I think by challenging their Purity Pledge, they become stronger in their convictions. I'm not taking any choice from them; they are exercising their own will concerning their bodies." "If you deny the male role in the Christian relationship, doesn't that emasculate you?" Victoria asked, and I noticed she didn't chastise me for using her first name this time. "I'm not going to fall into the trap of mistaking sexual activity for true masculine activity," I headed her off. "I would like to think I mediate disputes, help with our studies, and protect them physically if needed. I don't like to fight, but I will fight to defend my ladies. So no, I don't feel less of a man because I listen to, occasionally obey, and always try to respect women." "I see your point, Zane, and I will give it some consideration," Doctor Scarlett lied to me. "Oh, wow, that condescension was unwarranted, Doc," I shook my head. "You would never accept that I could be the man who would alter your lifelong path. You have an unrealistic expectation of what that man would be like but it allows you to pursue your goal without male guidance and still be a good Christian woman." "So now you think I am a hypocrite?" She gave a patient smile. "Nope. I think you believe the theory you are selling, Vic. You are clever, attractive, but somewhat annoyed that your looks give your ideas less credence though you still use your looks when needed. You are manipulative because you are sincere and you want to keep the argument based on rational discourse, not passion." "That would make you my opposite," she observed. "You embrace your gut instincts and allow your emotions to override what you think is the safe course of action. It is a pity you perceive me to be your enemy; I thought we could do great things together." "You are the enemy, but you are not the bad guy; I respect those who have faith, even if it is faith in something I don't agree with," I pointed out. "You believe women are better off without male interference in their lives. I believe there is nothing better in Creation than a man and woman in harmony with one another," I stated. "Don't you believe in safeguarding these young ladies' souls?" Victoria pressed on. "If the ladies were children I could understand your interference," I countered, "but they are adults, capable of making adult decisions, and you do them a disservice by stealing their destinies from them." "You see yourself as a better alternative?" she remained serenely calm, that's so hot. "Lady, my life is a mess," I grinned. "I have a hard time figuring out what I'm going to do much less what I should tell someone else to do." "But you are making the decision that my solution is the wrong one. How do you justify that?" she countered my grin with a smile of her own. "Just because I don't have the right answer doesn't mean I don't recognize the wrong one when I see it," I reposted. "As I said earlier, we have nothing to discuss." "Very well," she allowed, "but please tell me what the whole sniffing thing was about." "It was more than sniffing, Doctor Scarlett. I was looking for your pulse reaction, sweat, what kind of perfume and body soap you use, as well as facial tics and eye dilation." "That is certainly odd," she pointed out. "Well, it tells me you are a mid-thirties virgin who likes feminine things. Your skirt is finely woven wool, your shirt is silk, and your cross is 24 K, as is the necklace, with a real ruby inset. Your bra is a black half-cup, which is very nice if you are wearing a white shirt. Lastly, you are wearing stockings, not pantyhose." "Since neither you nor Ms. Reveal is a lesbian, you are wearing these clothes for your own enjoyment because you are not interested in any man right now," I told her. "You are still holding out for your Mystery Man which is oddly romantic for someone who denies romance." "Ms. Buchanan was right," Scarlett laughed softly. "You would be interesting to deal with." Right as I made ready to ask her what exactly Christina said, my stomach began rumbling. "I'm off to lunch unless you need me for anything right now," I sighed. Victoria turned me around and directed me out the door. Rio, Mercy and Vivian were waiting for me. It rapidly became clear that Rio was Doctor Scarlett's next appointment. "Ms. Reveal," I inquired of Doctor Scarlett's assistant who glared in response. "I'm heading off to the dining hall, and since I doubt you've been able to grab a bite to eat, do you want me to pick up something for you and the doctor?" I doubted that was what she expected. She typed away at her keyboard for a few second, checking out today's menu. "Mr. Braxton, could you get me the Caesar Salad and Doctor Scarlett the trout?" she said. "Zane," Rio snickered softly, "how far did you get? I'd hate to have to sex her up all over again when I can go straight for the main dish." "Smooth, Bro," I groaned while Marisol looked like she was going to staple Rio's ear to the desk. "The Doctor and I talked and that is all," I cautioned Rio. "I suggest you do the same and keep it simple." Rio snorted and followed Doctor Scarlett into her office. Before she dropped out of sight, Rio half-turned, pointed at Victoria's ass, and mouthed 'Wow' and made out the hourglass curves. She was really subtle; only Mercy, Vivian, Marisol and I saw it, which meant all of us. "Mercy, are you going to be okay?" I inquired once the door shut and Mercy had sat down on the bench outside the office. "I need to stay for Rio," Mercy sighed. "Vivian, can you wait for Rio while Mercy and I take a walk?" I asked my guardian. "Absolutely, Zane," Vivian nodded. She took a seat while Mercy followed me wordlessly out the door. "You don't have to do this, Zane," Mercy spoke up after a while. "Own up to all you do, Mercy," I replied, "and by that, I mean I brought you and Rio into a collision course so I am as responsible for your happiness as I am for Rio's." "I, umm, thank you," Mercy worked out the words. "Rio can be too much to handle at times." "Yes," I wrapped a very inappropriate arm around her shoulder, "she can be, but I feel she's worth putting up with the bull crap. Don't be discouraged by her fooling around with other women, or men; Rio is far more loyal than people give her credit for. She may do things to piss you off, that's a given, but she wants to be with you. In fact, who do you believe she was thinking of when she bought that ass plug?" "You?" she meekly mocked me. "Ha, ha, ha," I chuckled. "That is the reason I don't sleep on my stomach these days, Mercy. She plays rough. She loves rough too, so I feel it is an adequate trade-off. If you want to snuggle with someone else from time to time, you are welcome on my pillow any night." "Zane, do you think I'm a lesbian? What I am trying to say is, I think I may be a lesbian but I'm not sure," Mercy confided in me. "It doesn't matter what I think but in my experience, you are bi-sexual, not a dedicated lesbian. That could mean that you like relationships with girls but the occasional fling with a guy," I said. "You have had sex with me and I know you enjoyed it. You are not in an environment that allows many men so now that you are coming into your sexuality, you are confronted by women. Sexual orientation is one thing; sexual preference is another," I went on to say, "At Spring Break we should put your ideas to the test. Until then, don't worry too much about it." "Not being a virgin would be horrible enough," Mercy related. "If my parents thought I was homosexual, they would die, or kill me." "Mercy, do you think what you are doing is sinful?" I questioned. Mercy had to think about that for a while. We gathered up three trays and made our way back to the Vice Chancellor's office. "Yes, yes, I do, Zane," Mercy muttered. "I am afraid I'm going to Hell." "Mercy, you are not going to hell, at least not for what you've been doing the past few weeks," I comforted her. "Think about the good you've done for Rio." "I am still steeped in perversions," she moped. "Trust me on this; the battle between Heaven and Hell will not be decided by the playful use of a dildo, ass plug, or vibrator," I whispered into her ear. Mercy rewarded me with a wicked little smile. "What matters is the happiness you bring, the trust you earn, and the powerless you protect. Don't knock yourself out because you too are feeling pleasure." Mercy stopped walking which brought me up short. She worried her lower lip as she worked some things out in her head. "Do you think I'm really Rio's best hope at salvation?" she asked softly. "You more than anyone else," I responded. I could see a weight lifting off her shoulders. "Thank you, Zane," she smiled at me. We entered the Administration building and headed for the Vice-Chancellor's office. "I'm going to have to tell Rio about his conversation," I told her. Mercy looked uncertain. "Someone deserves a spanking, don't you think?" That wonderful little lusty smile crept onto her lips once more. More Monday Mornings   Doing the correct thing is good; doing right and confounding your enemies at the same time is golden. Blow & Arrow "You are getting better, Zane," Molly Travers told me after my rotation to the shooting line. "If you say so," I shrugged. "I've yet to hit the rings twice in a row." "But you are hitting the target every time," she pointed out. "Great," I chuckled, "if I ever get attacked by a rhino or a barn door, I'll do fine." "If it is a big barn door, a really big barn door," she snickered in sympathy. "So, uhmm, what do you think your chances against Hope are?" "Huh," I looked to her, "are you betting on me and Hope's sparring match?" "It's not really a bet, more like a wager," Molly grinned. "Betting and wagering is the same thing, Molly," I pointed out. "Okay, fine, we are betting on the outcome," Molly admitted. "So what do you think the odds of you winning are?" "Barring the intervention of large fighting robots, I'd bet on the cute Asian chick to win," I joked. "Arrows," Chastity called out. It was my job to retrieve all the expended arrows from the field, being the junior member of the team. After that we did one more round, then we cleaned up and made our way to either study period or our next club. Chastity held me back so that we could go to Karate class together. "Don't be too hard on Hope," Chastity abruptly told me. "I'm not all that sure I can beat her, Chastity," I confided. "Oh, there is no chance of that," Chastity assured me. "She's going to destroy you. I only want to make sure you are a good sport about it because she really likes you and she's worried you might take this beating the wrong way." I stopped and stared at her somewhat incredulously. "Oh, come on," I grumbled. "I have some sort of chance. She's not that good." "If thinking that makes you feel better," she patted me on the back. "Well, if you believe I can't win, you will be willing to make a wager on the outcome then," I challenged Chastity. "What would it be?" Chastity mused. "You in a little, itty-bitty French Maid's outfit for twelve hours of my choosing," I said. "What do I get if Hope wins?" Chastity countered. "What would you want?" I grinned. "Any one favor to be decided on later," was what she came back with. "Oh, please, my favor is relatively precise while you want the world," I pointed out. "Okay, I want one 'forgiveness' in advance," Chastity offered. I groaned. "You just have to keep busting my chops, don't you?" I sighed. "Fine, I'll make the bet." For a private sparring match, Hope and I drew a great deal of attention. Christina, Heaven, Chastity, and Faith were expected, as was Coach Gorman. I had kind of hoped Cappadocia would hang around so we could hook up when the fight was over. Everyone else was rather distracting. Both Hope and I went shirtless, me bare-chested and she with a black sports bra, as well as barefoot. We set up four meters apart with Hope doing something that mimicked warm-up exercises. It took a second of eye contact for the fight to begin. I kicked out viciously; she collapsed beneath the blow and swept my legs. My back slapped the mats and before I could move or mount much of a defense, Hope was all over me. It was arm bar and she had my head in a scissor lock and that was that. I tapped out before she could render me unconscious. No one said anything as I regained my feet. I was careful not to make eye contact until I'd backed up a bit. I had no clue to what kind of Monkey Kung-fu she had just worked on me but I knew that what little Thai Kickboxing I had wasn't cutting it, but I knew even less Karate and even less of what Gorman and Black had shown me. It boiled down to making use of what I did know to the best effect. This time I danced to the left using a little trick Gabrielle Black had taught me (with some pain added). At first Hope mirrored my movements so when I lashed out with my first kick it caught her off-guard since I'd also been slowly closing the distance between us. She tried to snake within my reach but I kept shifting and kicking to hold her at bay. When she finally did get inside, I hit her with every fist/arm/elbow strike I knew. I knocked her back, pursued her, and for a moment it looked like I had a chance. Hope kept maneuvering with the grace of a gymnast so I couldn't pin her to the mat. Once she got to her feet I sensed I was rapidly running out of options. I certainly didn't expect a chop to my temple and that was pretty much all she wrote. She jumped up, put her knee into my diaphragm and rode me to the ground. I managed to block twice against her strikes as she straddled my stomach. I almost knocked her aside, we wrestled, and that was the totally wrong thing to do. I knew crap about wrestling. My tapping out was a foregone conclusion once she got me on my stomach. For a second I lay there marveling how quickly I'd gone down, twice. I noticed that Hope was still standing astride my body so I rolled over in place and looked up. For a second she had this look that reminded me of staring into the pitiless depths of the ocean. "My head hurts," I emphasized with a deep breath. That set off a flash of light in her eyes. "The important one or the one on top of your neck?" she smiled from above. Hope crossed her arms and helped me stand. "Are we okay?" she suddenly seemed worried. "Oh, hell, no," I gasped. "I've got to learn me some of those moves. You were freaking awesome." That outburst gained me a snort of amusement on her part. "I am not a master so I would have to consult my master before taking on a student," Hope informed me. "Your Father?" I was curious. "No; my Father had to get permission to teach my sisters and me. My Master is back in Korea," she answered. Hope and I parted ways and various friends now felt free to join the party. "Damn, Bro, she kicked your ass. I'm ashamed to call you family," Rio mocked me. "Rio, now you know how he feels about you every day," Valarie shot back. "I think he did pretty good, all things considered," Coach Dana Gorman stated. "I don't believe Zane's ever fought against a 'soft' or passive style." "Fifteen or twenty more years and I would have had her," I chuckled. "You are right, Coach; I've never seen her precise style. I've tried some of the exercises monks use but those were primitive compared to what Hope showed me today. Now I think I'm going to take a shower." "Everyone will clear out now," Coach ordered as I made my way to the showers. ZETAS "Honestly, Zane," Sahara lectured me deliciously, "did you have to flush my phone down the toilet?" "Technically, I only dropped it in," I corrected. "I didn't hit the handle. Besides, you know your husband would only annoy us with his incessant phone calls." "I still feel a little guilty," Sahara sighed. "He knew when I would be over and where we would be going if he wasn't going to be kind enough to be there," I pointed out. "The only reason to call you would be to ruin the moment he could have pre-empted by showing a little consideration for your feelings." "That is not fair," Sahara countered. "My husband is a community leader with many responsibilities." "So would you be if people would wake up and see you as I do," I answered. "Zane, I don't want any misconceptions about me," Sahara stared at me intently. "I am loyal to my marital vows." "I don't doubt that for a second," I agreed. "Betrayal leaves its own scars and I don't see any on you." Sahara didn't immediately react to that, instead taking a long sip of her tea. "Certainly you have heard the rumors by now?" she said softly. "Yes, and I believe them," I responded gravely. I let that hang there for thirty seconds. "Aliens did land in Roswell, New Mexico in 1947, and they interred the bodies at Wright-Patterson Air Force Base before finally moving them to Area 51." Sahara didn't know what to make of that for a second but slowly began to smirk. "What? Was there another rumor that I should be giving a damn about?" I concluded. "Some people compromise for the easy way out, some people remain mostly steadfast and take the hard road, but you are the only man I know who gladly skips through a minefield because even the hard road is too much of a compromise for you," she commented. "I can only be me," I replied. "I couldn't be you; I doubt the clothes would fit." "Oh, you are such a strange individual," she tilted her head. Before she could explain our food arrived and she felt it prudent to wait until there were fewer prying ears. "Do you think it is appropriate for me to, ask about Ms. Vickers?" "No," I responded patiently. "If you ever feel like it is your business, she's in church every Sunday and she's nice, if a bit nervous considering the current circumstances." "It is only that I hear things about you when my husband talks to other people and, much of it doesn't make sense," she added. "For instance, I believe I'm the only one who sees it but I'm sure you are having an affair with Rochelle Wellington." "I'm neither confirming nor denying anything but how does that make you feel?" I countered. "Infidelity is a crime," she answered after a few seconds, "but Mayor Wellington is a horrible, horrible man." And this was coming from the woman married to that bastard, Pastor Bill. "I confess that I find the whole thing very amusing, to the point where I pray to Christ for forgiveness virtually every night. That includes using me as a distraction for Kendra's nosey little self." "That was not my intent if that's any consolation," I sighed. "I simply thought we had a lot in common." "Such as?" she smiled. "Well, before we moved here, we had no idea where Lancaster, Virginia was," I started. "We both know that waving a Bible around doesn't make someone holy; a custom may be fine for you but it isn't for everyone and we know what it is to be judged by people who have never gotten to know us," I completed. "I also wanted you to know that I know about Bill and we are not alone." "Know? What do 'we' know?" she asked confidently enough. "We know why he let them think you were the one who was unfaithful," I clarified somewhat. Sahara stared at me, her face torn by a plethora of warring emotions; loyalty, anger over being betrayed, and relief that she didn't bear this terrible burden alone anymore were all there. "Men handle such things differently than women," Sahara told me in a distant voice. "My father wanted boys." "I imagine your Father-in-Law wishes he had raised his boy to be a man too," I joked. "That's unfair," I corrected myself. "I have nothing against men of a different persuasion. It is bastards I have a problem with." "Please, Zane, he is still my husband," Sahara admonished me. "Well, he had better start treating you better or I may re-familiarize him with Deuteronomy 23:1 (ty-jw)," I responded. "Your loyalty to him should be met with respect. That is the deal we make when we get married." "What makes you think you know so much about marriage?" Sahara inquired after a bite, some savory chewing and a gulp. "I'm smarter than I look. Okay, that's not too difficult, but I'm usually smarter than people give me credit for." "Smart things like inviting Ms. Kennan to services yesterday?" she taunted me. "I actually didn't invite her but don't tell anyone; I revel in people's opinion that I'm irreverent," I grinned. Sahara tried and failed to fight down her own smile in response. "I've actually invited Belle, Ms. Kennan, to live with me and Jill as well as giving her a job." "I, I don't know what to make of that," Sahara worried. "She's very pretty, I imagine." "Sahara, you need to become a better judge of people," I said. "I wouldn't trust Belle with my car keys or my favorite cuff links, but I'd trust her with Jill's life or my own." "Sometimes it helps to remember we are still listening to the words of a poor carpenter's son who suffered through exile," I pointed out, "who wouldn't do what the authorities told him to do, died because he was betrayed by a close friend, and went to the grave abandoned by all those who said they understood him; not most people's first choice for founder of the world's largest religion." "When you put it that way, it sounds depressing," Sahara agreed. "It also sounds exactly as it played out. It often does not occur to most believers that the flame of Christianity almost fluttered out before it ever really came to life." She looked for me to say something but all I did was grin. A few seconds later I saw that flicker of understanding come alive in her eyes. "Here you are, the star of multiple on-line sexual misadventures, sitting with the preacher's disreputable wife in the most romantic restaurant in town and we are discussing morality and religion," she chuckled. "No one will believe us despite this being the truth. I find your perverse and bizarre sense of humor very enchanting, Zane." "The important thing is that you are having a good time, Sahara," I explained. She laughed out loud, drawing attention to our little candlelit alcove of the eatery. I doubted she cared and I certainly didn't. We finished our meal, I paid, and we headed straight back to her place. The game was, we left zero time for any possible hanky-panky to take place. We wanted the people who were going to accuse us of impropriety to make real asses of themselves when we revealed our timeline established by my filling up of gas right before picking her up, our valet ticket at the restaurant, and finally, our credit card receipt for the restaurant itself. I had outlined my plan to Sahara and she heartily approved. Unlike the time her husband had screwed her over, she could fight this scandal. I pulled into the Penny's driveway and I rushed around to get her door for her (thank you, Heaven, for that bit of etiquette). We walked through the front door only to see Pastor Bill a few steps away from the door. "Where have you been?" he growled. Sahara dutifully lowered her head. "We were at Zetas," I stated calmly, "right where I told you we would be." Bill ground his teeth and glared at Sahara. "What have you been doing?" he snapped. "Nothing," I now grinned. "I accidentally left the lube and the box of condoms on your kitchen counter." Pastor Bill was rendered speechless. "I was the one who dropped her phone into the toilet; don't blame Sahara," I told him. "Sahara, this was fun. I don't often get to have an adult conversation about the basis of Christianity. I do appreciate your insights. I gotta go now. You two have a good evening and I guess I'll see you on Wednesday night, Sahara. Bill, I'll see you on Sunday." "I doubt you will be seeing my wife again," Bill finally ground out. "Sahara, please give me and your husband a moment alone?" I asked her. "Of course, Zane, and thank you again for an intellectually stimulating night," was her own way at rebelling. I could tell ol' Bill didn't appreciate her pleasant tone to me one bit. When she had moved out of sight I leaned into my so-called religious leader. "Bill," I whispered to him, "between you, me and God, if something happens to Sahara, I'm giving you one year and a day, then they'll never find your body. You know the kind of low-lifes I hang out with. I'm not bluffing. The only other injustice will be that you won't suffer nearly enough. Am I absolutely fucking clear?" "I'm not afraid of you, you sleazy scumbag punk," he hissed. "Whatever, Bill, but you might want to know that the circuit board for your home security system is manufactured by a company I own," I lied. I had no idea if there was a circuit board for his system or who the hell manufactured it, but I was pretty sure he didn't know either. Bill and I were at an impasse. He was a bully and a liar who was used to manipulating people using both other people's faith and sins to get what he wanted. My advantage was that I was well known to be willing to inflict pain to get what I wanted (I just wanted to protect my ladies) and he was averse to actual physical confrontation. Belle brought a whole new definition to the conflict at First Anointed Free-willed Fellowship of Christ Church. There were a growing number of people willing to resist the order Bill had crafted for his own power. Now people defied him and the normal techniques of censor had little effect. His best hope was that Zane Braxton would get hung in another bizarre encounter and remove himself from the equation without Bill's interference. That was his hope, anyway. ON The CRUX OF CHANGE "Hey, Briana," I told my buddy from Colorado State. I was standing outside the door that led to my floor once more. "Hey, Future Slave to my Desires," she giggled back. She was a whole lot more playful than the last time we'd talked. "Gak!" I played with her. "I'm pleased to find you in higher spirits tonight. I hope that means you are doing better?" "Actually, I had a freaky weekend," she sighed. "I met my boyfriend's other girlfriend, it was a totally psycho-girlfriend moment too. She came at me when I was training with some sisters for a 5K run. She appeared in the parking lot and started screaming at me. It was scary. I had three sisters and she brought two wacked-out friends. A pair of off-duty firemen broke it up; sadly, one is married and the other is gay." "Briana, I have a confession: I'm a gay man in denial and I'm tired of hiding the real me," I stated sincerely. Briana's laughter rocketed through the connection, followed by some off-screen conversation, then the phone being handed around. "If you want that lie to be believable, tell us you are secretly a lesbian," Jarunee snickered at me in her native Thai tongue. "Give me a second and I'll come up with something more believable," I chuckled back in the same lingo. "How have you been?" "Pretty good; better than you since that little Korean girl wiped your ass all over the mats," she responded in English. "Okay, she's not so little, and I have it on good authority she was a champion on the Tijuana Midget Fighting Circuit while still in preschool," I covered my ass, then a fear began clawing its way inside me. "Is there any suggestion that she and I may have gone to bed together?" "Of course; this morning's upload," Jarunee informed me. "Oh, in that case, please tell the rest of the Kappa Sigmas that I won't be doing Spring Break after all," I groaned. "What, why?" Jarunee gulped, wondering what she'd done wrong. "Her dad is going to kill me," I related jokingly. "I won't make it to the end of this semester, much less to March. It was a nice dream, though." "Are you serious?" Jarunee worried. "Apparently Hope's, that's Hope Song who kicked my ass, father is some sort of a South Korean superman who eats two-bit punks like me for breakfast," I shrugged. "It can't be, and the phone was taken away. "Oh, my God! Was that one of Yeong Song's daughters you banged that can now be seen all over the internet?" a different girl babbled. "You really are a dead man." "Ooo-kayyy, who are you, by the way? I'm Zane," I started off. "Sorry. I'm Chrissy and my father is in the Navy and he does, stuff. I don't know how bad that man is but I've seen SEALs scramble to get out of that man's way faster than they would for any admiral." "What? That's absurd," I joked. "No one is that much of a bad-ass." Except for Gabrielle Black, I am so going to die at this man's hands, aren't I? "All I know is that the Navy decided it was safer to put him up at our house as opposed to a motel. Mom got upset because apparently the North Korean government put a huge bounty on his head since he killed so many of their Special Forces guys, no lie." I said nothing for the longest time. "Maybe he'll think I'm good son-in-law material," I tried to sound upbeat. "Yes," Chrissy tried to sound positive as well. I, of course, was desperately trying to remember how many times I had made Hope suck my cock, and our discussion of anal sex wasn't worth mentioning. Curling up into a fetal ball wouldn't do anyone any good either. "Very well, Chrissy. Can I talk to Briana one more time?" I asked. "Of course, Zane, and don't worry; the whole Kappa Sigma Sorority will start working on this problem. We will figure out something," she assured me. "Hey, guy," Briana sounded apprehensive, "are you going to be okay?" "Babe, it is just another day ending in 'y'. I've got this," I said confidently. "Good night, now." Briana said her good-byes and I took a moment to get my thoughts together before heading upstairs. It turned out I had over seventy ladies in my place, none more surprising than Coach Dana Gorman. She was paired with Valarie against Millicent and Raven in what looked like a close match up on the pool table. Another totally bizarre image was Vivian and Rio laying stomach first on the floor near one of the TV's, calves kicking in the air with Vivian helping Rio with something oddly akin to schoolwork. Mercy, Opal, Brandi, and Brigit were gathered around the closest table having formed some sort of study group as well. Magically enough, in the twilight of my life (no, I am not over-reacting!) it is good to see one of my plans actually work in almost the way I had intended. No one had noticed me arrive so I turned to go to the drink bar, and walked right into Paige. "Hi!" she squealed in excited delight. Her tight little albino body vibrated with orgasmic energy. "Hey, Babe," I kissed her on the lips lightly. She kept her hands tightly clasped behind her back. "You don't smell like sex," she grinned. "I went out to eat with the preacher's wife, Paige," I groaned. "Not every date is an inevitable sexual hook-up. We had a nice meal and talked about our church, morality, and religion, honest to God." "I believe you," Paige wouldn't stop grinning. "Cordelia is in your room, waiting for you, and thank you, thank you, thank you." Paige was undoubtedly ecstatic over the red marker on Cordelia's face that read 'Paige is smarter'. To see that was one of Paige's deepest desires. Cordelia was working away on her tablet as I slipped into my room. She was fully on my sleeping stage, lying on her back and tablet held up over her head as she worked on it. "Hello, Zane," Cordelia said. "I like your place; it is very you." "Cordelia," I managed to say back in a civil tongue. "Did you know who Yeong Song is?" "Of course I do," Cordelia answered without looking away from her work. I didn't say too much because I had little polite to say to the girl at the moment. After a minute she finished up working on her computer, put it down, propped herself up on her elbows, and smiled my way. Her pigtails swayed as she looked me over. "You are upset," she noted. "Why are you here?" I inquired curtly. "Oh, now we are in the 'you are angry with me but doing an admirable job controlling your violent impulses and going to reduce your interactions with me yet not going to let me alter your lifestyle in any way' phase," Cordelia sighed. "I am not fighting the fact that you are the smartest person on campus, maybe the smartest person I've ever met, but I think we are done playing around. When I drive out of these gates for the last time four years from now, I'm going to forget you and go on with my life," I told her. Cordelia smirked, then laughed. "Zane, I made you, you are my creation," she giggled. I was about to get pissed, then I got another boot to the head. "I was drawn to your family's tragic death years ago, saw your return to the United States as an excellent opportunity for us both, created several identities, talked to your aunt on-line about FFU, altered the admissions software so your application would be accepted, and made sure your medical records weren't examined until you were on campus." "You put me and Rio together," I pieced together; Cordelia nodded. "Iona?" "Ah, she's loyal to you, but it was easy enough to put her in your class. She is the type of girl who runs across traffic to save a turtle crossing the road," Cordelia smiled. "I knew she'd rally to your side, just like I knew that would be enough to keep you here until other events unfolded," she seemed terribly pleased. "Now the sorority and Christina are all you as well as the run-ins with the law, but you are my weapon to use on this campus, Zane. I could never beat Chancellor Bazz without creating a scandal that would break the school apart," she informed me. "Your rebellion was a possibility I explored but your ability to enlist Christina and the freshmen wasn't something I could facilitate; again, that was all your doing." "I have respected you and Heaven," Cordelia pointed out. "Because Christina and I would kill you," I countered. "No; I kept her secret because I am not needlessly cruel," she said. I almost believed it. "Wrong, Cordelia; you didn't betray Heaven because Christina and I would leave FFU," I stated. "Your game would fall apart; not because either one of us is special but because you don't like playing with dumb people, there is no challenge to it." Cordelia's smile only got wider. "You don't disappoint," she remarked, without a hint of shame or guilt. "Am I forgiven?" It occurred to me that no matter how absurd on the surface, Cordelia wanted someone to know and, in a way, understand her genius. "I think we may be past that," I murmured. "How about this; the Time Lord Mafia needs, I need your help," she confessed, but I was wary. "When Ms. Black came here I was suspicious that her record was too clean," Cordelia related, "so when you gave me that warning, I began digging very carefully. Well, this morning something happened." "Oh, crap," I muttered. "How bad and how likely is it that you will be tracked back to here?" "I set up a blind station in Lima, Peru," she said matter-of-factly, "all paid for in cash by people who don't know the real me. I had surveillance on the place as standard practice. Late last night, Lima time, three armed men broke into the small room and tore the place up." "Who were they?" I was now more intrigued. "They spoke perfect Spanish so I had no clue until one of them screwed up and a cheap shelf fell on him. He cursed in Hebrew." Cordelia exhibited real shock. "They were Mossad. I check up on some other stuff and I really think they are Israeli intelligence." What in the hell was Mossad doing hunting Gabrielle? What the hell was the only guy in an all-girls university doing getting involved with all this? Fuck it all, I'm a horny eighteen-year-old boy with more girlfriends than any two sane men would want. Wasn't talking to yourself one of the signs of mental instability? I was saved by the phone, sort of. "Zane, this is Doctor Scarlett," the Vice Chancellor said, "I am at your door and I need to come up and talk to you for a bit." "Of course, Doctor Scarlett," I responded as I caught Cordelia's eye. I hung up and the two of us headed into the main area. As soon as we exited the screens, Cordelia went toward the closest group of students to warn them and I travelled down the stairs. "Hey, Doctor," I greeted my latest guest. I screened the keypad from her view, asked the system for a new password, and read it off to her as it popped up. Doctor Scarlett reentered the code and had it scan her thumbprint without comment. "Thank you, Zane," Victoria greeted me politely. "I would like to see your domicile as well, if that is convenient." "Sure thing," I told her. "We have about forty-five minutes before curfew so it's pretty occupied." "It is your room," she nodded. "I have every reason to believe you are responsible with its use." I wouldn't say that, but then in the past five minutes my life had gone to hell anyway, and I had to put up a good face until bedtime. "Ah, the pictures I've seen do not do the view justice, Mr. Braxton," Doctor Scarlett exhaled. "Relax, take a walk around, and/or help yourself to some food, Doc," I offered. "After nine o'clock you may call me Victoria, Zane," she allowed in return. I was a little stunned. No one seemed overjoyed that Victoria was here but they weren't stampeding toward the door either. "You provide a great deal of stability," she told me softly. "Your presence provides your guests with a sense of peace and safety." "Perhaps you missed Coach Gorman giving two of your students pool lessons right over there?" I suggested. "Dana is your guest too, though I doubt her mood is swayed one way or another by your sense of calm," she grinned, then was brought up short. "Zane, there are two women in, bikinis in your, " "It is a hot tub," I provided the identification, "and I also provide the swim suits for those who need them." Victoria stared at me for a few seconds and I could sense her ready to finally explode on me with some righteous rage toward my overtly sexual ways. "Why would you have women's swimsuits?" she asked patiently. "I have one-pieces as well," I responded. "What would be the point of installing a hot tub, showers, and a sauna if I don't also supply the girls with swimsuits and towels?" Those words put her back on an even keel. Still -- "Doc, I have women coming in my second-story bedroom window back home in the middle of the night for the purposes of sexual intercourse," I sighed. "I hardly need to give students here revealing clothing to feed any vicarious thrill. Do you want a suit to take a dip?" "Let me think about that," she replied quickly. "How long does it take you to obtain a girl a suit?" "I have a suit for you already; you are virtually Vivian's size. And I even have one in red if that is your preference," I said. "Do you really want me to be in a red bikini?" she wondered. It was a trick question. "It is a one-piece, and all I want is for you to be as happy as you can be without trampling on the aspirations of others," I answered. "So you feel responsible for all the girls at this school," she stated. It took me a moment to realize this was a statement, not a question. "Good night, Zane," Victoria smiled. "Good night, ladies," she called out to the room. A chorus of 'good night's' were returned. She disappeared down the stairs and I felt a deep desire to be alone. Peace and quiet sounded good, yeah, I know. "Bro?" Rio snuck up on me. She gave me a quick once-over, then tenderly wove her arms around my waist and hugged me tightly. "I'm okay, Rio," I muttered. "Don't lie to me," she squeezed me tighter. "Trust me; I know that desperate, hopeless look well and I can see it creeping up behind your eyes. Zane, I don't know what's wrong and I'm not going to ask, but I want you to know that I'm here for you." I tilted my upper body back and met her gaze. "Who are you and what have you done to my Rio?" I grinned weakly. "Hey," she remained scarily compassionate, "you've soaked up my pain often enough. It is about time you let me carry some of yours." "What can I do?" Iona wiggled up to my side. A further miracle was delivered when Paige appeared within my field of vision at over five feet away. "Guys, do you think I can have the night to myself? I need to work out things in my head," I begged. "Consider it done," Rio and Iona stated together. Iona departed to spread the word. Rio departed as well, but doubled back to give me another hug. "Zane, don't leave me," she whispered into my chest. "Three seconds ago I was going to knock you out, roll you up in a blanket, and take you with me when I scaled the walls and ran home," I sighed. "To the bitter end," I gave Rio's and my own little motto. "To the bitter end," she mumbled back. After that, going to bed was surprisingly easy. "Zane," Gabrielle greeted me with a ghostly voice. I had called her and said we needed to talk. "Someone did some poking around on you," I told her, "and as a result, three Mossad agents broke into a false station they had in Peru. Is there anything we need to know about why Israeli Intelligence sent three armed men looking for you?" "Three," she mused. "The back-up squad was outside. Since you made no mention of a grenade, I assume they wanted me alive. What are the odds of them tracing the search back to Freedom Fellowship?" As she talked, she sat down on the bed next to me, next to my hip. "Since I have no clue as to what resources they can bring to bear, I would feel safe enough remaining here if they were after me," I answered. "What's your next move?" For a reason that went way beyond insane, I suddenly didn't want her to leave. "I wait. I do not have infinite exit plans or resources," she told me. "You are taking this awful well," I noted. "As opposed to wasting energy becoming pointlessly annoyed? You will keep me apprised of further developments," she commanded then rose to leave. "Gabrielle, do you know a guy named Yeong Song?" I blurted out. "I know of him but I've never met him," she stop

Dr. A (@docktora) and Aaron Bruski (@AaronBruski) look ahead to the upcoming fantasy basketball week with all the tools you need to win your head-to-head matchup. In This Episode: Best team schedules to exploit Top streamers for early and late-week adds ️ Schedule traps and tough stretches to avoid Smart lineup management for maximizing games played Under-the-radar waiver adds that can flip your matchup Presented by FanDuel! Download the SportsEthos App on the APP Store and Google Play! FantasyPass now includes DAILY PROJECTIONS—perfect for DFS and head-to-head leagues. Join the Discussion on DISCORD for real-time advice and community support. Subscribe, Rate, and Review on Apple and Spotify for expert updates and tips! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Gavin Campbell joins this week and we covered winter weather, his strong early results with the Segway Navimow robot mower, the improved sound and smart-home functionality of the Echo Dot Max, and his Unraid 7.2 upgrade that boosted responsiveness. We discussed how we are using local AI for automation, troubleshooting, and coding, along with bigger questions around AI's economics and infrastructure. We closed with notes on CES planning, upcoming guests, and a quick update on Sammy's library-science studies, plus an invitation to keep the conversation going in our Discord. Thanks for listening! Episode Overview In this episode of Home Gadget

This week on the Retirement Quick Tips Podcast, I'm talking about smart retirement withdrawals - 10 principles to help you sustain and grow your retirement withdrawals in retirement, while maintaining financial security and not running the risk of running out of money.  Today, I'm talking about carefully selecting your retirement withdrawal rate. If you took the steps I already suggested in creating a budget and making sure that was realistic, then next step is to determine how much of your portfolio you would need to withdraw on a monthly and annual basis so you can support your spending goals.

Leadership is changing — and the old rules no longer apply. In this powerful episode, Steve Druckman, CEO of Vision Path and former exec at 1-800-Flowers and American Express, shares the new mindset and tools every leader needs to succeed in 2025 and beyond. Discover how to lead with empathy, embrace innovation, and use AI and data to drive real growth.

In this episode of the Retirement Made Easy podcast, I delve into 401(k)s: how they work, why they matter, and how to maximize their benefits. I break down the basics in simple terms, just like I always aim to do, because retirement planning shouldn't be confusing. I discuss the differences between good and not-so-great 401(k) plans, the pros and cons of keeping your money in a 401(k) versus rolling it into an IRA, and how changes in providers can impact your investment options. I also share a helpful government site for tracking down old retirement accounts and explain why Roth conversions might be worth considering. My goal is to help you take control of your financial future with clarity and confidence. You will want to hear this episode if you are interested in.... (00:00) Intro. (00:27) Overview of 401(k) Plans. (01:40) Resources and Services Offered. (02:48) Deep Dive into 401(k) Plans. (05:13) 401(k) Rollovers and Conversions. (10:53) Employer Contributions and Vesting. (19:52) 401(k) Loans and Company Stock. (22:58) Mega Backdoor Roth and Final Tips. Smart 401(k) Moves: What to Know About Matching, Vesting, and Rollovers I will explain how Roth conversions can be done while you're still working or after retirement, depending on your 401(k) plan's rules. Not all plans allow them, and some require a hefty 20% tax withholding, which could be a drawback. I also break down how employer matching works (some companies offer generous matches, others offer none, and vesting schedules determine how much of that match you actually get to keep). I stress the importance of checking your vesting status before leaving a job. Then I dive into profit-sharing, which can be even more valuable than matching, but it's never guaranteed. I clarify a common misconception: rolling over funds from an old 401(k) or IRA into your current 401(k) won't earn you a match. Finally, I talk about the pros and cons of rolling old 401(k)s into either your current plan or a rollover IRA. Personally, I favor rollover IRAs for their flexibility, investment freedom, and ease of Roth conversions. Unlocking 401(k) Opportunities and Avoiding Pitfalls I caution listeners about 401(k) loans. If you retire or get laid off, that loan must be repaid quickly, or it becomes taxable. Once you leave your employer, you can't take out new loans from your 401(k) or IRA. I also touch on company stock in your 401(k); if you have a large concentration, talk to your financial planner about a tax strategy called net unrealized appreciation (NUA), which could work in your favor. Additionally, I introduce the "mega backdoor Roth," another beneficial strategy that allows high earners to contribute beyond the standard limits if their plan permits it (up to $70,000 annually). Not all plans allow this, but it's worth asking.  I also share my frustration that there's no standardized way to compare 401(k) plans across companies. The best thing you can do is request your plan summary document and review it with a fiduciary advisor. Lastly, I offer a tip: some employers let you use unused vacation or PTO payouts as 401(k) contributions, which could help reduce your tax bill. It's a smart move to look into before you retire. Resources & People Mentioned 3 Steps to Retirement Planning FIVE 401(k) Secrets You Must Know Retirement Savings Lost and Found Database | Employee Benefits Security Administration Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

Discover how to invest in the XRP treasury company EverNorth. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters! INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, "You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!" Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here. #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

We're back with incredible SMART-Certified Biological Dentist Dr. Toni Engram part two! This one goes even deeper into the mouth-body connection. Dr. Toni is a SMART-certified biological dentistry expert, integrative health coach, and founder of Flourish Dental Boutique.In this episode, Dr. Toni and I talk about how oral and dental health connect to hormones, the nervous system, and even sleep. She explains how small changes in dental hygiene can ripple out into every aspect of our lives—from our energy levels to our aging process.You'll also hear practical insights on tooth decay, tooth enamel care, and root canal alternatives, making this a must-listen for anyone curious about alternative dentistry.We also get into the emotional and spiritual side of dentistry: how trauma can live in the body and even show up in the mouth, why self-worth often affects oral health, and how caring for our teeth can become a radical act of self-love.Plus, Dr. Toni shares her personal story—how she rebuilt her life and career after loss, and why dentistry is her calling. This conversation will leave you inspired to see oral care as a doorway to vitality, resilience, and wholeness.Topics include:The connection between dental health, hormones, and sleepThe truth about root canal alternatives and silver fillingsHydroxyapatite, ozone therapy, and remineralizing teethHow tea tree oil mouth rinse supports natural gum healthThe role of alternative and biological dentistry in overall wellnessTune in to discover how small changes in your dental health can transform your whole body.If you enjoyed this conversation, rate and review The Amy Edwards Show—it helps more people find us!Timestamps00:00:00 Intro00:02:36 Should dental care be an add-on to medical insurance?00:05:24 Brian Johnson dental routine 00:09:29 What's a root canal?00:13:57 Root canal connection to health issues00:17:02 Alternatives to root canal00:18:21 What causes tooth root inflammation?00:20:00 Silver fillings and mercury exposure00:24:15 Composition of tooth fillings today00:26:55 Dental sealants - good or bad?00:33:49 Perimenopause and oral health00:39:50 Healthy teeth diet00:44:14 Chewing benefits00:45:37 Ozone therapy00:54:47 Hydroxyapatite nanoparticles00:57:30 Remineralizing teeth00:59:37 Cosmetic dentistry - dental gems01:02:29 Final thoughts and outroMentions and ResourcesDr. Toni Engram: www.flourish.dentalInstagram: https://instagram.com/dr.toniengramPlease remember to rate, review, and follow the show – and share with a friend!Check out our new Comedy Wellness Podcast: Anything But Mid, cohosted with Whitney Stropp:https://podcasts.apple.com/us/podcast/anything-but-mid/id1849386215https://www.youtube.com/@AnythingButMidFind Amy's affiliates and discount codes: https://amyedwards.info/affiliatepageSky Rock Sedona: https://www.skyrocksedona.com/20% Discount Link:https://www.marriott.com/event-reservations/reservation-link.mi?id=1759866624184&key=CORP&app=resvlinkAll links: ⁠⁠⁠amyedwards.info⁠⁠⁠Instagram: ⁠⁠⁠@realamyedwards⁠⁠⁠Fight For Her: ⁠⁠⁠fightforher.net⁠⁠⁠TikTok:⁠⁠⁠ @themagicbabe⁠⁠⁠YouTube: ⁠⁠⁠YouTube Channel⁠⁠⁠Podcast: ⁠⁠⁠The Amy Edwards Show Podcast⁠⁠⁠Free Course:⁠⁠⁠ The Ageless Mindset⁠⁠⁠Full Course: ⁠⁠⁠The Youthfulness Hack⁠⁠⁠Work with Amy:⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Book a Call⁠⁠⁠ Let's get you to your HAPPIEST and most RADIANT! Book a call to apply to work together one-on-one: ⁠https://amyedwards.as.me/15mincall⁠Amy's hair by ⁠https://www.thecollectiveatx.com⁠Get my FREE course "The Ageless Mindset: The Ultimate Guide to Look Younger and Feel Happier!" HERE: ⁠https://best-you-life.teachable.com/p/the-ageless-mindset-the-ultimate-guide-to-look-younger-feel-happier⁠Get the full course “The Youthfulness Hack: The Secret System to Reverse Aging Fast and Create a New, Radiant You!” Out now! ⁠https://best-you-life.teachable.com/p/the-youthfulness-hack⁠

Episode 194 – Special Conditions (Pokémon TCG) Hosts: Adam Tuttle, Justin Keller, and Lane (Good Morning Johto) We get real about the current card show scene—what collectors actually want, what turns people off, and how vendors can raise the bar. From transparent pricing and fair trade values to kid-friendly engagement and better vibes, this one's part rant, part playbook. Card of the Day: Umbreon ex (Prismatic Evolutions) – SAR Main Topics: 00:08:45 – Pricing tools & reality checks (TCGplayer, eBay comps, apps) 00:18:30 – Trading etiquette: cash %, trade %, slab pitfalls, & nines vs tens 00:20:40 – How to spot green-flag vs red-flag vendor booths 00:21:45 – Sealed product at shows (Walmart/Costco/Sam's restocks, reprints) 00:28:25 – Smart strategy: benchmark a single card to sample pricing 00:34:50 – Buyouts, table fees, & why some booths price high 00:53:10 – Why staying until close should be standard (deposits help) 01:05:45 – Helping newcomers & kids enjoy the hobby 01:07:50 – Trade-up challenge: wholesome vs abused Community Challenge: We're racing the Pokémon TCG Live ladder now through November 5—tell us your rank and deck! We want your take: What do you want from a card show, and what would you change?

Register for FREE Infosec Webcasts, Anti-casts & Summits – https://poweredbybhis.comThe BHIS crew breaks down the latest cybersecurity stories making waves — from data breaches and malware campaigns to privacy issues, exploit trends, and tech policy shake-ups. Join our panel of security pros for expert analysis, sharp humor, and practical insights you can actually use. Whether it's social engineering, AI-powered attacks, or bizarre security headlines, we dig into what matters most for defenders and curious minds alike. Stay informed, entertained, and one step ahead in the ever-changing world of infosec.00:00:00 - PreShow Banter™ — The Cost of War.xyz00:03:42 - The AI Browser Wars - BHIS - Talkin' Bout [infosec] News 2025-10-2700:04:04 - Story # 1: Smart bed owners experience AWS outage nightmare as they're left sweating and stuck in upright position00:10:49 - Story # 2: Robots May Replace 600,000 Human Employees at Amazon00:14:40 - Story # 3: Meet Mico, Microsoft's AI version of Clippy00:20:59 - Story # 4: Exploitation of Windows Server Update Services Remote Code Execution Vulnerability00:26:31 - Story # 5: Ex-L3Harris executive accused of selling trade secrets to Russia00:31:29 - Story # 6: Introducing ChatGPT Atlas00:43:34 - Story # 7: ‘Phased Out'—Google Confirms Bad News For 3 Billion Chrome Users00:52:26 - Story # 8: The Y2K38 Bug Is a Vulnerability, Not Just a Date Problem, Researchers Warn01:00:16 - Story # 9: KFC Venezuela Alleged Data Breach – 1 Million Customer Records Exposed

Norm rolls into Halloween wondering what the Cowboys should really do at the trade deadline: buy band-aids for a busted defense or stockpile draft picks and live to fight another day. Along the way, he side-eyes Jerry Jones' “hundred-billion-dollar” gas talk, floats some pragmatic (and spicy) trade chips, and delivers the line of the day on Mozzie Smith and a steak dinner. Then it's off to college football, where buyouts balloon, coaches vanish by mid-October, and LSU's governor casually workshops a hiring process that sounds more like a rally than a search committee. Norm wraps with a Texas-sized hypothetical that would set Austin—and the internet—on fire. Smart, punchy, and just the right amount of “you can't make this up.” Chapters 00:00 — Trick or Trade?01:23 — Jerry's Gas & the Distraction Index02:54 — Offense Elite, Defense… Not So Much04:45 — Sell Mode SZN06:16 — The Mozzie & Bob's Special08:02 — Sponsor Break: Bob's Steak & Chop House08:39 — Sponsor Break: Full Moon Healing Balm09:24 — Coaching Carousel Goes Brrr11:17 — LSU: Governance, But Make It Wild12:52 — Imagine This in Texas13:55 — Sponsor Tag14:16 — Credits & Follow Reminders Check us out: patreon.com/sunsetloungedfw Instagram: sunsetloungedfwTiktok: sunsetloungedfwX: SunsetLoungeDFWFB: Sunset Lounge DFW

Earlier this year, we released an episode with author and marketing guru Bridget Brennan, who happens to also be a dear friend of Dr. Lisa. Bridget interviewed Dr. Lisa for episode 100 in order to pull back the curtains a bit for our loyal listeners. Today, we're releasing PART 2 of that interview. Dr. Lisa will be back next week to help you with some tips to live healthier, longer, and at your happy weight! Thanks for listening! If you'd like more support during your SMART weight loss & health focused journey, sign up for our FREE newsletter, or check out our program at: www.SmartWeightLossCoaching.com. We would love to help you reach your happy weight, and transform the way you talk to yourself about your body and the number on the scale. Negative thoughts about yourself don't have to take up so much brain space, and we'd be honored to help you reframe those thoughts. Also…We'd be grateful if you'd follow us and share our podcast with your friends & family. We're here to help you improve your health, live longer, healthier, and lose weight the SMART way! This episode was produced by The Podcast Teacher: www.ThePodcastTeacher.com.

The boys are joined with long time friend of the show Mike Vasconcellos! Mike is a truck driver and long time friend of the boys and the program. They discuss the struggles of driving truck, music, mental health, and have a ton of fun! Check it out!

Crowned & Cancelled — formerly Girl on Top — is for anyone who hated history class but lives for drama.Each week, host Shallon Lester brings her signature sass and unapologetic advice to Marie Antoinette's downfall, Oxford's dark halls, the scandals of ancient Rome and so much more.It's tabloid gossip meets dark academia — where every story is true, every downfall is relatable, and every shattered empire becomes a strategy for confidence, ambition, and survival.Smart. Savage. Addictive.Welcome to Crowned & Cancelled.

Ben Criddle talks BYU sports every weekday from 2 to 6 pm.Today's Co-Hosts: Ben Criddle (@criddlebenjamin)Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcasts: https://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id99676

Have you ever wondered if it's really possible to make a living as a health coach? Michelle has been there. She was working a steady corporate job, dreaming of something more meaningful, and wondering how to make it real. In this episode, she shares how she replaced her full-time income with health coaching, step by step. You'll learn how to earn while you still have your job, avoid burning out, and build a foundation for long-term success. You'll discover: • How to transition from employee to entrepreneur • Smart, simple ways to earn income right now • Why you need to think differently about coaching while working another job • The confidence-building habits that make quitting possible

Luxembourg's Smart Investment Strategy Funds In-Space Manufacturing Platforms Bob Zimmerman John Batchelor and Bob Zimmerman discuss Luxembourg's smart investment strategy of using tax dollars as capital to invest in promising space companies. Luxembourg invested in Space Cargo, which, alongside French startup Comat, is developing the "bento box" orbital platform. This platform supports the rewarding cottage industry of manufacturing high-value products in zero or near-zero gravity. 1959