Podcasts about strangely

They Strangely APPEARED from NOWHEREBecome a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

    Picking up where we last left off, The Tempests returned to where their journey first began, the wild, untamed desert lands of the Drago continent. It was not how they left it however. A large beast had appeared and was leaving nothing but destruction in its wake. The party had no time to linger however.. The very world was at stake and their haste towards the frozen north took precedence.     They weren't heartless however. Even though Lakin was quite irate at being shot by an arrow, the Tempests still paused long enough to help heal the remaining Welterwatch forces that protected the pass through the Dragonfire Mountains that lead to the Knightly Kingdoms. Pez offered to lighten their load a bit, but was told to put his gun away and behave.     Their short stop coming to an end, the Tempests convinced their recent addition, Mug, to stay behind and help guard the pass. Some smooth talking from Lakin convinced the Ogre to stay behind so he could boss around all the little pink skins.     On through the pass they went once more, stumbling across a small scouting party of Cultists who were swiftly dispatched by Bogbo, then questioned by Lakin pre and post death. Strangely, the moment the Cultist's resuscitated skull uttered the name of their leader, the soul attached to it was forcibly ripped away, causing a bit of psychic backlash. Arsinoe Balor seems to be the name of the mastermind behind all of the cult's activities. What is their end goal? To bring Saedhir into the world. The only question remaining is how?     We rejoin the Tempests now as they gather at the exit to the pass in the Knightly Kingdoms.   We have merch! Shirts, Candles, Buttons, Stickers, and other things are for sale on our Etsy page at: https://www.etsy.com/shop/foolsandflagons    A huge shoutout to Nick Black who made our intro jingle. Go show some love to @NickBlackMusic and his Banana Army at https://www.twitch.tv/nickblackmusic and let him know we sent you! You can check out his music on Spotify: https://open.spotify.com/artist/2JJiUnuFWy9200nltASksL?si=LIy7N---SX24Z0ktRQbUsQ If you'd like to join the community to chat with the Fools and other D&D aficionados, considering joining our discord! https://discord.gg/BjNJX5CzJj If you like what we do and would like to support us, consider donating to our Ko-Fi page at https://www.ko-fi.com/foolsandflagons You can catch us live every other Friday on Twitch at: https://www.twitch.tv/foolsnflagons/ If you'd like to see our past adventures, you can check out the VODs on YouTube at: https://www.youtube.com/c/FoolsNFlagons  

This is the first sermon from our sermon series walking the through the book of 1 Peter, entitled Fully Hope on Future Grace. For more information about Northfield Community Church in Northfield, MN, go to our website - northfieldcc.org.

...the man arriving back in London was spiritually shattered.

by Ps. David Grounds on the 24 May 2026

Have you ever wondered if God is silent to your prayer requests? I remember the day I received the phone call from my brother that his wife (my sister in law) had left him and their three young kids. His hopes to pursue pastoral ministry crushed. Our family devastated with the news. We brought our hurt and anger and needs to the Lord and I'm sure my brother did too...and we did so for a long time. Months turned into years. Toddlers turned into school aged children. Grandparents became parents once again. Those were difficult years...years where it often felt like God was silent or hidden and definitely unfair. At least to my nieces and nephew I thought. Yet God proved Himself to be Immanuel, God with US in our suffering.   Join us this Sunday as we explore a story in Matthew 15 that may cause one to ask, "does Jesus really care about me and my needs?"   Pastor Rob

The TYP Circus led by Patrick and Tiff is back in town with all its irreverence, misinformation, exaggeration and a sprinkling of legitimate information. Strangely, some people like this fortnightly extravaganza the most. Weird. Anyway, this time we talk about perv glasses (with cameras), the comeback of records, CD's and DVD's, a new material that 'self-repairs', new cars with actual knobs and buttons, medical self-diagnosing with Al, humanoid robots working as ground handlers at airports, switching from plastic to hemp and lots more. Enjoy.See omnystudio.com/listener for privacy information.

听前提示一、每期提供10个单词，每个单词都会有2-3个例句，方便理解记忆。二、每个单词和句子都会重复5遍，其中第2遍为慢速，有助于识别。三、本材料的整体难度较低，可以用来听力磨耳朵和单词查漏补缺。Day 1531521.Nephewn.侄子，外甥I have 2 nephews.我有两个侄子。He is my nephew.他是我的侄子。1522.Nervousa.神经的；紧张不安的I didn't mean to make you nervous.我不是故意让你紧张的。The brain is the center of the nervous system.大脑是神经系统的中心。Strangely enough, I don't feel nervous at all.奇怪的是，我一点也不感到紧张。1523.Nestn.窝，巢v.筑巢If you look closely, you can see a nest in that tree.如果你仔细观察，你可以在那棵树上看到一个巢。1524.Netn.网，网状物 a.纯净的The ball is in the net.球在網裏。球在网里。We have a fish in the net.我们的网里有一条鱼。1525.Neverad.永不，从不，决不I've never seen such a thing.我从来没见过这样的东西We've never been formally introduced.我们从未被正式介绍过。1526.Neverthelessconj.然而，不过ad.仍然She doesn't earn much, but she loves her job nevertheless.她的收入不高，但她仍然热爱自己的工作。1527.Newa.新的；新来的；不熟悉的I bought a new pair of glasses.我买了一副新眼镜。Is there anything new on the menu?菜单上有什么新东西吗？They are about to begin a new chapter in their history.他们即将开启其历史的新篇章。1528.Newsn.新闻，消息I have good news for you.我有个好消息要告诉你。What was his reaction to the news?他对这个消息有什么反应？We were shocked at the news of his death.我们对他去世的消息感到震惊。1529.Newspapern.报纸What newspaper do you read?你读什么报纸？What's your favorite newspaper?你最喜欢的报纸是什么？He cut the advertisement out of the newspaper.他把广告从报纸上剪下来。1530．Nexta.紧接的，其次的ad.其次Are you busy next Monday?下周一你忙吗？I will send you a progress report next week.下周我会给你发一份进度报告。Who is your selection for the next president?你选谁来竞选下一任总统?

RFM is joined by esteemed co-counsel Kolby Reddish to dissect Jacob Hansen’s recent debate with Allie Beth Stuckey of The Blaze. Strangely, Jacob seems to want to talk about anything other than Mormonism. His efforts to make Mormonism sound like Protestantism grow increasingly bizarre. But Allie is not going to let him get away with… Read More »Mormon Gets Creamed In Debate: RFM: 456

RFM is joined by esteemed co-counsel Kolby Reddish to dissect Jacob Hansen’s recent debate with Allie Beth Stuckey of The Blaze. Strangely, Jacob seems to want to talk about anything other than Mormonism. His efforts to make Mormonism sound like Protestantism grow increasingly bizarre. But Allie is not going to let him get away with… Read More »Mormon Gets Creamed In Debate: RFM: 456 The post Mormon Gets Creamed In Debate: RFM: 456 appeared first on Mormon Discussions Podcasts - Full Lineup.

This week, in Fayette, Maine, a man comes home from a double shift, to find his wfe, brutally murdered, and his baby, crawling around in pools of blood. The problem is, they have no enemies, and robbery doesn't appear to be the motive. The husband is cleared as a suspect, leading to a long investigation, focused on the wrong man, even though the real killer was a suspect, from the start. But due to mistakes, he was allowed to terrorize even more innocent people!!   Along the way, we find out that "deer watching" is an actual festival activity in Maine, that even if you have no enemies, you still may never be safe, and that when you let a killer go free, for over a decade, they have a chance to ruin even more lives!!   New episodes, every Wednesday & Friday nights!! Check us out on VIDEO Wednesday and Friday evenings on Netflix! www.netflix.com/smalltownmurder Donate at patreon.com/crimeinsports or at paypal.com and use our email: crimeinsports@gmail.com Go to shutupandgivememurder.com for all things Small Town Murder, Crime In Sports & Your Stupid Opinions!   Follow us on... instagram.com/smalltownmurder facebook.com/smalltownpod   Also, check out James & Jimmie's other shows, Crime In Sports & Your Stupid Opinions on Apple Podcasts, Spotify, or wherever you listen to podcasts!!

Brooklyn-based folk-rock band The Lone Bellow have stuck through thick and thin for the past 15 years. Their creative output has been fairly consistent, only disrupted recently by a burglary on the road. Strangely, the thieves who broke into their tour van stole the hard drives containing the vocal takes for their latest record and left the precious instruments behind. Still, the financial burden was significant enough to delay the release of What a Time to Be Alive. After a successful crowdfunding campaign, the trio had their second shot at realizing their vision.  Now back on the road after a short break to promote their new album across the US, The Lone Bellow is once again ready to welcome “the alchemy of everybody together in the room” on stage. But first, they share their rich vocal harmonies, backed with acoustic guitars and a mandolin, at our Manhattan studios for the latest installment of Soundcheck. (- Sırma Munyar) Setlist: 1. I Did It for Love 2. You Were Leaving 3. No Getting Over You 

Tragic Death of David Wilcock adds to growing list of dead or missing scientists - My take on his bizarre death and personal recollections of a brilliant light On Tuesday afternoon, I heard the terrible news that David Wilcock had died under very bizarre circumstances on Monday, April 20. The local sheriff's office released a report that many will find hard to believe. Apparently, David contacted the sheriff's office and asked for help. Minutes after they showed up, he shot himself according to the official report. David had long reported cyberstalkers launching vicious personal attacks against him. David's work in promoting breakthrough aerospace technologies such as antigravity put him on the frontline of UFO researchers trying to revolutionize our planet. Consequently, David was a big target for covert efforts to discredit him or influence him to hurt himself in some way. Psychotronic technologies such as voice-to-skull do exist and have been used to influence individuals to engage in self-destructive behavior. It's very likely that David was targeted by such covert weapons over an extended period of time, which ultimately led to him behaving so contrary to everything he taught and believed. David therefore becomes the 12th scientist linked to UFO research who has died or is missing under mysterious circumstances.I first met David in 2008 after he agreed to speak at the Earth Transformation Conference on the Big Island of Hawaii organized by my wife, Angelika Whitecliff and I. David had only recently decided to start public speaking again, and we were delighted that he chose our conference as the venue for his return. He arrived with his new girlfriend and he looked very happy. Strangely, we didn't get to see them much at the conference, but years later he confided that they chose stay in their oceanfront hotel room enjoying the great views and getting to know each other better, if you know what I mean. David did a presentation and a workshop that awed the audience with his unique combination of humor and profound insights. Later, in 2011, I read his first book, the Source Field Investigations, and honestly thought David deserved a Ph.D. for its penetrating insights and scholarship. I got to work more closely with David in 2015 after the public emergence of Corey Goode. David and I collaborated in spreading Corey's remarkable secret space program story, and we met again at Gaia TV and several UFO Disclosure events. David was always a wealth of information and very popular with the audience who loved his zany humor and deep truths he shared. After Corey and I parted ways in 2021, I lost touch with David but I would occasionally watch one of his livestreams where he continued to share his wealth of information and humor. I was always impressed by David's generous spirit in sharing hours of livestreams for free. Join Dr. Salla on Patreon for Early Releases, Webinar Perks and More.Visit https://Patreon.com/MichaelSalla/

We are all born a long way from home. Home is not where we begin; home is where we need to go. More than ever we are searching for home. Strangely, the home for which we yearn is in another world. This other world, this unseen world, this spiritual world is commonly called heaven. Thus we live here, as Peter says, in exile.

Spoke to the witness and he has agreed to come on the show. A listener writes "I recently attended a meeting of my local Purple Heart chapter for combat wounded veterans. There were six of us in total three from the Global War on Terror and three Vietnam veterans. What stood out was that every Vietnam veteran who had been wounded shared that they had seen what they called a "rock ape." As they told their stories, the rest of us those from GWOT, myself included remained quiet.  After the meeting, I spoke privately with another GWOT veteran, who admitted he had also witnessed unusual things while serving as an Army instructor on a base. My own experience happened on the eastern shore of Cougar Reservoir in Oregon. I was camping with my family when, close to midnight, something began approaching our campsite. I first heard heavy footsteps about 100 meters away. As it drew closer, I realized I had to stand my ground. It was moving toward us steadily not sprinting, but deliberately giving my ex-wife time to turn on the SUV's lights and get our two toddlers out of the tent and into the vehicle, about 40 feet away. I positioned myself between the approaching figure and my family. It came down from a hill toward our campsite by the water, a distance I later confirmed to be about 100 meters. When it got within roughly 40 meters, I fired a couple of warning shots with my 9mm, though it felt completely inadequate. My plan, if it came closer, was to aim for the eye shine to buy my family more time. At around 20 30 meters, I could feel the vibration of its footsteps through the ground beneath my bare feet. Strangely, it kept its eyes covered as it approached. The SUV's headlights were shining directly at it on high beams, yet I couldn't see any eye reflection. I've never been able to shake the feeling that it understood what I was trying to do. It stopped about 12 feet in front of me and remained there while we finished loading the car. Once everyone was inside, I slowly backed away, got into the SUV, and drove us out along the narrow road leading from the campsite. For most of the encounter, I actually thought I was dealing with an elephant something large that could move quietly despite its size. I heard no brush breaking, despite the dense vegetation only the sound of its footsteps. I didn't smell anything, even when it was close. When I finally saw it clearly, my first thought was that it looked almost artificial, like something constructed. It took a while to come to terms with what I saw. I have no doubt that these creatures exist as living, physical beings. What unsettles me most is the pattern described by the Vietnam veterans each of them had seen one shortly before being wounded in separate incidents. My own encounter came much later, as did the other GWOT veteran's. Over the years, I've spoken with hundreds of veterans, often asking those with extensive time in the wilderness if they've ever experienced anything unusual. Most say no, or mention only distant, unexplained sounds. But in that room of Purple Heart recipients, only one of the six had not directly described seeing something. The rest of us had encountered what appeared to be a large, upright walking ape. Half of those sightings reportedly occurred just days before being wounded. To be fair, the one individual who didn't share may simply have chosen to remain silent."

Hi! This bonus episode of A Friend for the Long Haul - A Long Covid Podcast was recorded in the spur of the moment on our phones, so it's nowhere near studio quality! I literally called Nina to see if she was free, and she was in a parking lot with Bubsie in the backseat. ---What if dark humor and salt could help shine a light on the often invisible world of Long Covid, chronic illness, and disability? Nina Storey, a long hauler who is a singer, songwriter, and comedy writer, decided to create a short film capturing the unpredictable reality of living with Long Covid. Despite the struggles and a very tight deadline, Nina's film, Strangely Optimistic, is a powerful testament to finding joy amid chaos, and it was all crafted in just five days for the 13th Annual Easterseals Disability Film Challenge. In this bonus episode of A Friend for the Long Haul - A Long Covid Podcast, Nina shares the story behind her dramedy and how her personal experience with Long Covid motivated her to push for greater awareness through storytelling. We discuss how she balanced creative vision with her physical health, why representation in media for invisible illnesses matters, and the key role humor plays in survival and advocacy. We speak of the strength of those of us living with chronic illness and disability, the power of community support, and the importance of authentic, unfiltered stories in changing perceptions. This isn't just about Strangely Optimistic, it's about reminding us all that even in our darkest moments, humor and authenticity can pave the way for connection and understanding. If you're living with chronic illness, caring for someone who is, or simply want to learn how storytelling can be a form of advocacy, this conversation offers inspiration and practical insight. Nina's journey shows us that visibility is also about giving voice to the unspoken and challenging the stereotypes. And the occasional fart joke doesn't hurt.Find Nina's film at https://www.strangelyoptimisticmovie.com or on the Easterseals Disability Film Challenge YouTube channel here:    • Strangely Optimistic - 2026 Easterseals Di...   Please engage with the video on the Easterseals channel - there are prizes for several different winning categories! Likes, comments, and shares of the YouTube video of Strangely Optimistic all contribute. Thank you! Oh, and if you watch the video and spot Nina's homage to me, comment on it and tag me! :) How to Support the Awareness Campaign: From April 4–13, the public can support the film's mission by watching, liking, and commenting on the official Easterseals YouTube and Facebook posts. These engagement metrics directly contribute to the "Best Awareness Campaign" award, elevating the conversation around Long COVID on a global stage. Thank you so much! And thanks for listening to and supporting A Friend for the Long Haul!Also mentioned in this episode: Dr. Wes Ely's Reverse Long Covid Trial: https://www.reversinglongcovid.org/Beth's "Rest is Medicine" shirt is by Dr. Julia Moore Vogel, and you can see her craftiness on her Instagram account:   / pineapple_sewing  If you'd like to support A Friend for the Long Haul, you can do so by: Subscribing to this YouTube channel!Following on Instagram:   / afriendforthelonghaul Substack: https://f4lh.substack.com/TikTok:   / afriendforthelonghaul  Send me something helpful from my Amazon Wishlist: https://www.amazon.com/registries/gl/...Buy your everyday goods through my Amazon Storefront: https://a.co/d/05Dr2htOLike and share when an episode moves you! Thanks so much! I am a one-woman disabled by LC team!

BELOVED ! April 2026HAPPY ** BIRTHDAY DANNY !Hello everyone, So after 6 playlists in 6 weeks, I thought I may wait a little while until the next one.But I found so many great tracks recently, I had to publish this one on this special day. These tracks made me so excited when I first heard them. I love them for the disco, gospel , vocal 90's house sound at the beginning. There are so many music genres , I am unsure of how to  categorise them haThe first track is always the important one, as if you like it then I may hook you into listening to the rest of them . Found it very hard to pick a favourite starter track as the first three are A-MAZ-ING!I absolutely love them Everybody Dancing is an epic track at 5:51mins, there was no way I wanted to edit/shorten it, its there in all it's glory. Then I found the Dirty Diana track , so different from the original MJ one & this remix from Kristy Ink's original track is a bit night/day. New Religion by Bebe Rexha is another wow track . Adding Faithless to my Dawn playlist, a nod to my sister, then this came out and again I was so excited. I am so happy I get to find a new rework to add it to another playlist. Strangely with this playlist , I seem to be finding quiet a few tracks thru the music I hear on TikTok, taking me away from the main places I usually go. I guess the algorithm knows what I like. Not so much deep house on this one, just as sprinkling. I hope you love this one as much as me. Thanks for downloading my playlists. Until next time .....Happy listening! Track list :1  Saving My Love Jolyon Petch 2:572  Everybody Dancing Layson Finn 5:523  Carry Us Away DJ Fudge 4:084  Stand Up (feat. Stella Brown) [Edit] Da Lukas 3:505  Stronger (feat. Nada Leigh) [Grant Nelson Remix] Random Soul 4:176  Dirty Diana (Dantana & George Calle Dirty Guitarra Mix)PPedit Kristy Ink, Dantana, George Calle 3:487  Come Back To Me (feat. Troy Denari) ReEdit Rightside 3:558  Spirit Moves (feat. Dyanna Fearon) Michael Gray & Definite Grooves 2:559  Move Your Body John Gold 2:1110 Promised Land (Radio Mix) Thunderfunk 3:3411 New Religion Bebe Rexha & Faithless 2:5412 Bear With Me (feat. Rona Ray) Dave Mayer & Husky 4:3213 Tell Me Kyma & MENTIS 2:4014 Take Me There LOEK & Nu-La 2:5815 Body Moving Umaedo 2:5216 Save Me No More (feat. Eljé) Riva Starr & Deetron 3:1117 Destiny Layton Giordani & Camden Cox 3:3418 Delusions Tim Sanders & Alexis Roberts 2:1819 Paradise TRFN 2:2620 Always You Romantik. 2:49

He is risen! After His resurrection, Jesus joined two disciples on a journey that lasted several hours. Strangely, they were kept from recognizing Him. Rather than immediately revealing His identity, Jesus chose to open the Scriptures, walking them through all that had been written about Him.It was a profound moment. Through this encounter, we discover the most compelling evidence for the resurrection of Jesus is not something seen, but something said. Welcome to Antioch Georgetown! We are a church in Georgetown, TX, and our mission is simple--We lead people to follow Christ in a life-changing way.Get Connected:

Full Text of Readings The Resurrection of the LordThe Mass of Easter Day Lectionary: 42 The Saint of the day is Saint Vincent Ferrer Saint Vincent Ferrer's Story The polarization in the Church today is a mild breeze compared with the tornado that ripped the Church apart during the lifetime of this saint. If any saint is a patron of reconciliation, Saint Vincent Ferrer is. Despite parental opposition, he entered the Dominican Order in his native Spain at 19. After brilliant studies, he was ordained a priest by Cardinal Peter de Luna—who would figure tragically in his life. Of a very ardent nature, Saint Vincent Ferrer practiced the austerities of his Order with great energy. He was chosen prior of the Dominican house in Valencia shortly after his ordination. The Western schism divided Christianity first between two, then three, popes. Clement VII lived at Avignon in France, Urban VI in Rome. Vincent was convinced the election of Urban was invalid, though Catherine of Siena was just as devoted a supporter of the Roman pope. In the service of Cardinal de Luna, Vincent worked to persuade Spaniards to follow Clement. When Clement died, Cardinal de Luna was elected at Avignon and became Benedict XIII. Saint Vincent Ferrer worked for him as apostolic penitentiary and Master of the Sacred Palace. But the new pope did not resign as all candidates in the conclave had sworn to do. He remained stubborn, despite being deserted by the French king and nearly all of the cardinals. Vincent became disillusioned and very ill, but finally took up the work of simply “going through the world preaching Christ,” though he felt that any renewal in the Church depended on healing the schism. An eloquent and fiery preacher, he spent the last 20 years of his life spreading the Good News in Spain, France, Switzerland, the Low Countries and Lombardy, stressing the need of repentance and the fear of coming judgment. He became known as the “Angel of the Judgment.” Saint Vincent Ferrer tried unsuccessfully, in 1408 and 1415, to persuade his former friend to resign. He finally concluded that Benedict was not the true pope. Though very ill, he mounted the pulpit before an assembly over which Benedict himself was presiding, and thundered his denunciation of the man who had ordained him a priest. Benedict fled for his life, abandoned by those who had formerly supported him. Strangely, Vincent had no part in the Council of Constance, which ended the schism. Reflection The split in the Church at the time of Vincent Ferrer should have been fatal—36 long years of having two “heads.” We cannot imagine what condition the Church today would be in if, for that length of time, half the world had followed a succession of popes in Rome, and half an equally “official” number of popes in say, Rio de Janeiro. It is an ongoing miracle that the Church has not long since been shipwrecked on the rocks of pride and ignorance, greed and ambition. Contrary to Lowell's words, “Truth forever on the scaffold, wrong forever on the throne,” we believe that “truth is mighty, and it shall prevail”—but it sometimes takes a long time.Saint of the Day, Copyright Franciscan Media

Strangely enough, I got inspired by cleaning out my garage. Here are some tips to help set you up for success this spring and summer!Support the showFollow Moms Who Create:Instagram - https://www.instagram.com/momswhocreatepodcast/Facebook - https://www.facebook.com/momswhocreatepodcastMonthly Meeting Book Club - https://www.facebook.com/groups/momswhocreatebookclubWebsite - https://www.momswhocreate.com/

Synchrony is at a crossroads, and in part one of this two-part episode, Megan and Steven explain the history of how the project came to be in this unique moment. Strangely, the history starts three generations ago. Interested in matchmaking? Ladies, our pipeline is currently closed to female applicants, but will re-open in the Summer. Visit our website to join the waiting list. Men can get started for free and meet their first match at no cost. Check https://www.synchronyproject.com to register. Men: Join the Discord server here! https://discord.gg/hqZmtuMws9 Get the From Singles, to Shepherds Info Guide Here! https://the-synchrony-project.mykajabi.com/from-singles-to-shepherds Contact: If you want to join the conversation about this topic and give your thoughts, reach out on Instagram, Facebook, YouTube, or at questions@synchronyproject.com. Learn more about our matchmaking services and dating resources at https://synchronyproject.com. Intro/Outro music by: Balloon Planet, "Write Your Own Story," https://artlist.io/royalty-free-music/song/write-your-own-story/135437

383 - You won't believe how this beloved father died! Tuckin to hear the most absurd tragedy in literature. Strangely funny, yet quietly touching, author Graham Greene gives us his dark take as the young son copes with the death.

383 - You won't believe how this beloved father died! Tuck in to hear the most absurd tragedy in literature. Strangely funny, yet quietly touching, author Graham Greene gives us his dark take as the young son copes with the death.

The Secret and the SaffronA history of the Druze people and their cuisine.The Druze are a unique and often misunderstood community in the Middle East. Their history is more than just religious debates and politics; it is a living story shaped by family, faith, and food. To understand the Druze, you have to imagine traveling from the secret meetings of 11th-century Cairo to the bright kitchens of the Galilean and Lebanese mountains, where the smell of spices tells a story of survival and identity.The Druze faith began during a time of great spiritual and political change. In the early 11th century, Cairo was the center of the Fatimid Caliphate, which supported Isma'ili Shi'ism. In 1007, a Persian mystic and scholar named Hamza ibn Ali ibn Ahmad began teaching a new belief. He said that the divine intellect had appeared in human form as the Fatimid Caliph al-Hakim bi-Amr Allah.This belief led to a dramatic conflict. Caliph al-Hakim was a mysterious and controversial leader, and the idea of his divinity became central to the new faith. Another preacher, Muhammad bin Ismail al-Darazi, also supported the movement, but Hamza thought his ideas were too extreme. Al-Darazi called himself “the Sword of the Faith” and taught an incarnationist view that Hamza strongly opposed. In one thousand 18, al-Darazi was killed, and his name became linked to the community as a heretic. Strangely, outsiders began calling the group Druze after him, even though they have always called themselves al-Muwaidūn, or “the Unitarians.”The new faith quickly faced strong opposition from religious leaders in Cairo. Riots started, and the movement was forced underground. Things got worse when Caliph al-Hakim disappeared during a night ride in one thousand 21 and was thought to be assassinated. His successor, al-Zahir, began harshly persecuting the Druze. Hamza went into hiding, and leadership passed to al-Muqtanā Bahāʾ al-Dīn. To escape danger in Egypt, Druze missionaries fled to the remote mountains of Syria and Lebanon, where they built the communities that still exist today. In 1,043, al-Muqtanā decided that no new converts would be allowed, so from then on, only those born into the faith could be Druze.The Druze faith is private and closed to outsiders. Their holy texts, called the Rasa'il al-hikmah (Epistles of Wisdom), are fully known only to a spiritual group called the uqqāl, or “the wise.” Most Druze, known as the juhhāl, live regular lives centered on family and community, while still respecting the main beliefs of their faith.Druze beliefs come from many sources. Their faith started with Isma'ili Shi'ism but was also influenced by Greek philosophy, especially Neoplatonism and Pythagoreanism, and by Gnosticism. This mix has created beliefs that make them different from their neighbors. A key idea is reincarnation (taqammus), which holds that the soul is eternal and reborn as another Druze person after death. This continues until the soul reunites with the Cosmic Mind. The Druze honor many prophets from Abrahamic religions, such as Jethro (Shuʿayb), Moses, Jesus, and Muhammad, seeing them as different forms of the same divine truth. Over time, they have developed a unique ethnic identity. They speak Arabic and share a culture, but their roots are often traced to Arab tribes who settled in the Levant before and during the early Islamic period.To really understand the Druze, you need to share a meal with them. Their food reflects their history, shaped by the land, hospitality, and quiet pride. Mountain cooking uses simple, high-quality ingredients like bulgur wheat, olives, lamb, goat yogurt, and a careful mix of spices. Each dish passed down through generations tells the story of the community.Read the full content More Podcasts Chef Walters Food ToursChef Walters Cooking School

The SaaS multiples run was long, but it had to come to an end. Or Had it? Navigation: Intro Setting The Scene The Roots — This Didn’t Happen Overnight The Structural Thesis — Why This Isn’t Just A Sell-Off The Private Market Fallout The Bull Case — Is The Market Wrong? Separating The Wheat From The Chaff — Who Survives? Wrap-Up & Key Takeaways Conclusion Our co-hosts: Bertrand Schmitt, Entrepreneur in Residence at Red River West, co-founder of App Annie / Data.ai, business angel, advisor to startups and VC funds, @bschmitt Nuno Goncalves Pedro, Investor, Managing Partner, Founder at Chamaeleon, @ngpedro Our show: Tech DECIPHERED brings you the Entrepreneur and Investor views on Big Tech, VC and Start-up news, opinion pieces and research. We decipher their meaning, and add inside knowledge and context. Being nerds, we also discuss the latest gadgets and pop culture news Subscribe To Our Podcast Introduction Nuno Goncalves PedroWelcome to Episode 75 of Tech DECIPHERED, the SaaS Apocalypse: Why AI Breaks or has Broken or Broke the Software Business Model. In today’s episode, we will talk about what’s been going on in SaaS. SaaS, also known as Software as a Service, as a sector, has just had its worst month since the 2008 financial crisis. Give or take, around 1 trillion in software stock market cap has evaporated this year, and it was triggered in many ways by the rise of a lot of the things we’re seeing, in particular, agentic AI. We’ll talk about it later.One of the key triggers seems to have been the launch of Claude or Claude Cowork. There’s a lot of fears that the model that is taken as SaaS to be the darling of investors, both VCs, private equity funds, and also retail investors, has now evaporated. The sweetheart industry no longer works. Bertrand, what happened to SaaS? What’s happening? Bertrand SchmittSetting The SceneWe are in the middle of what some are calling the SaaSpocalypse. I think that was a coined term early this year. It’s pretty bad. We are recording that March 13th. Definitely January, February of this year, 2026, were really terrible. There is no question about it. Strangely enough, since the start of the war with Iran, there has been a small rebound, so we will see how it goes. But also to give some context, we are still not worse than what happened in 2022. We are still in a better place so far. I would say the difference, there is clearly a focus in terms of SaaS versus tech in general for that down term. Nuno Goncalves PedroWe’ve seen obviously a lot of things happening, right? A lot of announcements. The iShares expanded Tech-Software ETF down 25% year-to-date. Everyone seems to be running into panic, JPMorgan, Goldman Sachs. Basically, Jefferies, I think, as you said, originally termed this the SaaSpocalypse. But definitely, it seems like everyone’s trying to sell stock and saying, “Hey, SaaS is going to die.” We’ve seen a lot of interesting elements to this, we’ll talk about it later, around AI eats software. Software eats the world. AI now eats software. I guess AI eats the world.But the reality is, we’ll discuss it later in the episode, it might be just a lot of stuff that’s reacting to what’s actually happening in the market, that there was a couple of misses in terms of numbers, that the growth of some of the key SaaS players that are driving a lot of the public stock wasn’t that great recently. That adding to some launches like we mentioned, the Claude Cowork launch, et cetera, has led people to say, “Hey, maybe some entire spaces of SaaS don’t make much sense going forward.” Bertrand SchmittActually, I don’t know if you noticed, but I think it was yesterday, it was announced that the CEO of Adobe just resigned. I was shocked how bad they managed the transition to AI. I guess it’s one of the first victims of what has been happening. From my perspective, and I will go deeper, but there is a bit of an overreaction. Claude is amazing as a tool, but the launch of Claude Cowork, a few plugins decimating the market, I think that’s an overreaction in the sense that many of these SaaS companies will be able to actually benefit from AI as well. Or some of the new AI tools really, really depend on the existence of an underlying SaaS layer that’s controlling some processes, some data. So I think we have to be careful about the extremes.At the same time, what is true, the growth rate has been going down for SaaS. If you look in the 2021 to these days, we move maybe from 30-11%, 12% average growth rate. It’s a dramatic difference in growth rate, and you cannot keep the same valuation when your growth rate has been divided by three. I mean, that’s just not possible.I think that there might be some overreaction about what company like Claude can truly achieve. At the same time, the reality is there that while SaaS companies are usually relatively strong companies, the growth rate has diminished, and as a result, so should the valuation.The Roots — This Didn’t Happen OvernightBut maybe we can move deeper about what happened the past 2 years about SaaS. Nuno Goncalves PedroIndeed. Some things going back as much as 2024 when Salesforce had its worst trading day. By then, in 2 decades, and went down by 20% on a rare revenue miss. So some early people, a lot of analysts, see this as an early warning of what was to come. Late last year, a huge shift as the different labs of a bunch of different players started launching agentic solutions, which in some ways started eating into a lot of the functionality, not just of vertical SaaS, but also of horizontal SaaS. As a distinction for some of our listeners who are not familiar with that distinction, vertical SaaS is normally SaaS that’s very specific to a specific industry or sub-industry or specific arena, whereas horizontal SaaS is normally SaaS that doesn’t require much adaptation to work across industries. A good example of that might be HR management systems.But basically, because of some of the early developments in those labs and a lot of the solutions that we started seeing around agentic tools, the market started being less positive on SaaS players and trying to readjust it. Those are the historic moments, 2024, 2025. Then all of a sudden, we see the growth rates of SaaS companies coming down, because obviously this doesn’t only have manifestations in the public equity markets. This has manifestations in clients.People, at this moment in time, we’ll talk about it later, are reconsidering their options. They’re like, “Why should I have a SaaS tool? Should I buy it from another player? Should I have a more holistic solution or an integration with Claude, for example? Should I develop in-house?” We’ll talk at length on what’s in customers’ minds, but customers started changing their views and stop buying some solutions that were out there from the large players that are public equities today. Bertrand SchmittYeah, it’s clear that there has been also just overall industry-wide tendency to try to cut on the SaaS subscriptions. Maybe there was too much interest buying too many software solutions, not rationalizing enough, not being careful about the spend. It makes sense that this has hurt overall SaaS growth rate. At the same time, there has been a transfer from IT spending from SaaS tools to AI, so we create a smaller budget for buying SaaS software.But going back, when you look at the change in revenue multiples, it’s crazy. In 2021, we were close to 20X EV, enterprise value to revenues. Now we are talking about 6-7X entering 2026, and we will see later on it does crunch even more. Right now, we are at 4X revenues. So from 20 to 6 to 4, and that’s the lowest in terms of multiples since 2016. That’s 10 years ago. P/E multiple for what multiples also comprise from close to 40 to close to 20.Talking about Adobe, Adobe trades at 5-year average of 30X, now at 12X. No wonder the CEO resigned. I don’t want to be mean, but I think it’s clear some CEO were very strong leading their companies into a SaaS paradigm, but were not as strong leading their company to a new AI paradigm. I think the markets are going to be brutal. If you are good at showing that you can transition to AI, you’re an important piece of the puzzle for AI, that’s one thing. But if the markets believe your products have not kept up, then it’s truly big trouble.I mean, they are not the only one. Intuit 34% decline in a month. Atlassian, minus 35 in a week. ServiceNow also down a third. They are not the only one, but definitely companies have to show some proof of either the lack of vulnerability in an AI world or their capacity to really move strong to a brand-new AI world. Nuno Goncalves PedroThe Structural Thesis — Why This Isn’t Just A Sell-OffWhat are the structural issues? Why wasn’t this just a sell-off? Why is this structurally a problem? The first thing is really around monetization and business model. SaaS 1.0 or 2.0, however we want to call it, was based on seat-based licensing. Seat-based licensing was the notion that with more employees and more users on the platform, there would be more revenue for the SaaS company. Very simple, very clear, very lucrative.Now, obviously, AI agents don’t occupy seats. An agent can do the work of 10 people, can do the work of 20 people, 30 people, 100 people, whatever it is. Therefore, if I’m a company, and I’m using agents, and not necessarily a human user, I’m not going to buy 10 licenses for the work of 10. I have one license, and it’s used by an agent that basically has access to that tool. That’s the first issue. The first issue is that the seat-based pricing, assuming humans, assuming a certain degree of productivity, et cetera, all of a sudden is under stress. Bertrand SchmittMaybe to highlight some point, not every SaaS company was focused on per-seat pricing. Me, when I led App Annie, we didn’t have a per-seat licensing or pricing at all, so we were focused on value-based pricing. But that’s true that around us, we have seen that quite a lot of your typical SaaS business was run on a per-seat pricing. Anytime there is a market downturn, you pay a dear price for your per-seat pricing. On top of it, these days, as you said, we have AI. In an AI world, the per-seat pricing model breaks down. Nuno Goncalves PedroIndeed. Now people are asking for other kinds of pricing schema, right? Either flat pricing based on certain usage patterns or, for example, outcome-based pricing. So depending on the outcome of what I’m trying to achieve, is it a booking of a sales call, is it something else? Whatever it is, I pay for that. But I do not pay for seats because that doesn’t work anymore.There have been a lot of movements around these licensing agreements and these basic elements. Some have actually now tried to create agentic licensing agreements. It’s like, “Okay, I have licensing agreements now for your agents, not for your end users.” It used to be end user licensing agreements. It’s now agentic licensing agreements. Obviously, there’s a shift.Part of the shift is, I believe people want to be in a measurement scale that is different. They don’t want just to pay for a seat. They want to pay for either specific outcomes that are very clearly measurable or have flat fees across the board on a variety of things. I think we’ll see the emergence of a couple of these business models and these monetization models more significantly. I do think we’re still to see some innovation around some of these monetization models, which will occur over the next probably few years as people are getting used to it. Okay, now it makes more sense for me to pay by this rather than by that.Again, because it’s a disruption, we’re still getting and nailing down what effectively the new monetization models and business models will look like for some of these players, but it still will be served as a service. We’ll come back to that later as well. Agents can do a lot of stuff and whatever, but it’s like agents and AI are software. AI is software, whatever you want to call it. AI is software at its base and its profound meaning and what it does, et cetera. Bertrand SchmittSeat-based pricing, usage-based pricing, yes, it’s too simple. Yes, it has its flaw. But at the same time, when the industry started, it made a lot of sense. That’s easy to manage, easy to control, at least from the SaaS company perspective. But definitely now that the industry is maturing, I can see that rise and the benefit and value of moving to an outcome-based pricing or to a value-based pricing. What I like with that also, it’s more truly win-win for both sides, for the SaaS companies as well as for the customer of the SaaS company. If you are more win-win, more aligned, I think it’s a better situation, more frictionless. I think it would be a big change.Another interesting piece of the puzzle, obviously, of all the changes we’re seeing is that one of the best assumptions in SaaS was you have 80% to 90% gross margin. If you are below 80%, there were serious questions coming your way in terms of what’s wrong with your business model as a SaaS business. Below 80% was blinking yellow light, below 70, blinking red lights. But now, it’s very different because AI-native companies, you’re expecting more a 50-60% gross margin.Obviously, if you’re SaaS companies, you better move fast to more AI-native tools and services. That will impact your margin. When you decrease so much your margins, of course, it will impact your valuation. There is no other way around that. You cannot value the same way a 90% gross margin business and a 50% gross margin business. That’s simply not reasonable. I think that one is part of the change and part of a different way to value companies. It’s very reasonable. Nuno Goncalves PedroThe first two structural issues is, one, obviously the per-seat pricing piece is potentially dying or at least becoming less pervasive in the market, added to these emerging pricing and monetization models that we just discussed, value-based, outcome-based, some usage-based pricing, some hybrid models that are also out there with some base subscriptions and then other kinds of things and tiers on top of it, either usage or outcome-based.The third big structural shift that we are seeing is, and I already alluded to it earlier, this notion of build-versus-buy. In the past, I think the market went fully into buy. In some ways, even beyond the, “I will buy one” solution that solves all the problems, we went into best in class. We went to unbundled buying: I’ll buy the best solutions for what I need in my corporation and enterprise needs.Now we’re getting a shift back into building: I’ll build my own stuff. I think a lot of it is relating to two things. One, there’s coding agents out there like Claude Code, Codex from OpenAI, and a bunch of other coding agents that have emerged. There’s a lot of solutions out there, like we mentioned already, Claude Cowork, that really managed to have agentic solutions into workflows that are deeply embedded into some of the enterprises.At the end of the day, I think there’s a lot more of this notion of, I have all my data in-house. I want to really leverage all the data I have. I don’t want to just use a third-party solution that has generic data. I want to use my data set, I want to use my stuff, and I want to basically fit that into ongoing improvements in terms of workflow.The other piece, I think, what’s happening with IT departments in some large corporations that’s leading to this build mindset rather than this buy mindset is also the notion of maybe we have too many people. How do we really express our productivity if we don’t have solutions that are at the core of our processes? If we have solutions at the core of the processes that we develop ourselves or that we develop in partnership with integrators, et cetera, but using some of these new AI platforms, we also have more visibility on the people that we can let go.Now, I know this is quite negative, but I think this has also been leading to all the layoffs that we’ve been seeing across industries recently, where people are like, “Well, I can just extract productivity.” We’ve seen some of those very visible ones. We were talking about Amazon and what’s happening at Amazon with the layoffs recently. A significant amount of layoffs recently announced.Then some other issues on the other side where apparently the junior engineers that were still working on stuff using Claude and other tools that they were using internally started breaking platforms and breaking systems. Anyway, definitely there’s a lot of that going into this build mindset. I want to have control. I want to make sure I understand where the productivity enhancements are, and that will give me more visibility on the people that I need to keep and the people that I need to let go. Bertrand SchmittI’m not so convinced about this part of the puzzle. I think that for many, AI is a convenient demand, but I’m more thinking that some companies, Amazon included, Microsoft, truly, truly over-hired in 2020, 2021. Yes, they scaled back a bit, 2022, 2023. But I don’t think they ever scaled back to what was reasonable given their needs. So it’s quite convenient to say, “No, it’s not management mistake of efficiency, it’s something new AI, and we have to adjust to that.”What I believe is true, however, is that you cannot fund both at the same time in the sense of you cannot finance an over-bloated workforce, and two, significant extremely large AI investment. At some point, these companies were faced with a choice, and they took a reasonable decision on this to be more efficient with their workforce.But personally, I think that actually the ability to do so much more with AI will make more companies think more about their teams and building things because when suddenly your engineers can be way more efficient, can build way more, the value increases. So you could argue that there is an opportunity for companies to deliver more, and as a result, I can see if you’re a good engineer, then there will be opportunities to build more value, potentially across more companies.So we might see a shift where you have more growth in software-related jobs outside the core top 10 bigger software companies, but growing more widely across your typical S&P 500 and even SMBs who could never afford to really deliver value with typical software engineering. But now suddenly, software engineering equipped with AI can be more dramatic in terms of value for them. Nuno Goncalves PedroI agree this is a scapegoat. I agreed that there’s a lot of posturing as well. If someone can lay off a significant percentage of their… It’s almost like the percentage of people you can lay off becomes your new pattern as a CEO, your new, “Basically, I’m saying right now to the market, I can cut…” I mean, Block, I think, cut off 40% of their workforce.At this point in time, seems a bit dehumanized. I think the tech companies are the worst cases, in particular because AI also does disrupt them a lot in their own processes internally. But it feels to me right now, it’s a little bit this one-upmanship of, “Okay, I can lay off more people than you can, kind of thing.” It’s precisely all the fears that a lot of people have around AI. It’s like you’re dehumanizing work. It’s like at the end of the day, people are still needed to work, et cetera. Bertrand SchmittBut I think Block might be one of these companies that completely over-hired over the past few years and never took the pill to reoptimize the business. Nuno Goncalves PedroI think we mentioned it at a previous episode that there was an estimate at some point in time that… For example, even Google had more than double the number of engineers they needed at any given point in time. So obviously, they did hoard engineering resources in other capacities. But at this point in time, it feels a little bit like up to you since being a software engineer right now is a kiss of death kind of thing. Which is weird because at the same time, we are seeing tremendous reallocation of capital overall in the industry towards infrastructure and platforms, where hyperscalers are at 660-690 billion in infrastructure CapEx for this year alone, and 75% of that being AI, where we are seeing a lot of movements around how do I budget accordingly if I’m a corporation.To your point, I think you made that point earlier, Bertrand, how if I’m the CIO of a company, do I allocate my resources more clearly, in particular, if I’m taking into account that I need to spend more money on AI and AI tooling and AI platforms. Obviously, at the end of the day, the CFOs are still there, and the CFOs are basically saying, “Hey, guys, we went into an unbundled world. We had all these agreements with all these people. I want more concentration.” At the same time, the CEO is telling me we need AI, “So whatever it is, you guys tell me what it is, but we can’t increase our budget for this stuff. We need to decrease it, and there needs to be AI in it.” Obviously, there’s a lot of reallocation also at a micro level within the corporate world. Bertrand SchmittYes, you cannot say it will be more built versus buy. At the same time, we are going to need less engineers to do the build. You see what I mean? Even with AI helping you, building which still cost you more, require more software engineering than just a buy decision. For me, what’s interesting is that not so many of these stories can be true at the same time. You require a next workforce, but at the same time, you’re going to rebuild your whole software stack from zero just because of the AI God that you just brought in from cloud. This is not reasonable, simply not reasonable. Nuno Goncalves PedroI think the thesis is that your top engineer is I think, in particular, the more senior engineers, can now do the job of 10. Therefore, what I am switching in terms of cost, I’m not saying I’m agreeing with the thesis, but the thesis is that. What I’m reallocating in terms of budget is, I’m reallocating towards spend at infrastructure platform level, on tokens, et cetera. That’s basically, I think, the thesis of what we’re seeing happening right now. Bertrand SchmittYes, but if you were just, quote, unquote, buying software, you’re not building software. You didn’t need software engineering to just buy software. Your software engineer that becomes as valuable as 10, yeah, but you had zero if you were just buying software. You see what I mean? Nuno Goncalves PedroNo, IT departments have always had engineers, the larger corporations. Yeah, for sure. Bertrand SchmittIt’s a very different game if you are moving from buying to building. It’s my point, I guess. Nuno Goncalves PedroIt is. Just to be clear, Bertrand, this whole build-versus-buy, the build is going to be done with a lot of use of outsourcing and a lot of use of service providers and a lot of use of integrators, et cetera. This whole bullshit of build-versus-buy, in effect, it’s a misnomer because at the same time, you’re going to have to hire, to your point, you’re going to have to hire companies, et cetera, to help you do this. It’s not magically that you can do it off the existing IT departments that you have. Bertrand SchmittExactly. The question will also be, is your first priority of business to rebuild Salesforce from scratch so that it better fits your internal need as a corporation because you have rebuilt from scratch with AI? I don’t think so. That for me is total overhyped bullshit. Klarna was big on that, this is total BS, quite frankly. Not only it didn’t work, but it makes zero business sense. Zero business sense. You’re not going to rebuild a CRM just for the fun of it while your software engineering could be focused on your core value proposition as a business. If you’re a company just starting, you have processes from scratch, you still don’t have solution, yeah, maybe you could consider that.But even then, is it really your priority versus building your core value proposition? For me, that’s a big question. But what I would expect, however, is that this overall trend mindset and stuff is going to keep the pressure on two software companies in terms of reducing tiers of cost, in terms of delivering more value, in terms of being more aligned to the business, and in terms of overall growth rates that are simply not the same as they used to be. Nuno Goncalves PedroBefore maybe we move to another topic, I think it’s clear, we’ll come back to that later, that there are a lot of overblown elements in this. You can never disregard a couple of very, very core elements. A lot of these software companies have very deep tooling into significant enterprise customers. You can’t just rebuild it from scratch yourself to your point. Not only does it make sense, but you can’t. It would take you years to do it. Good luck to you.Secondly, they have also distribution. They are pervasive in the market. They have sales forces. They have people that are selling out there. They have go-to-market teams. Again, we’ll talk about that in maybe one of our penultimate sections today. But maybe to move forward, we talked a lot about the public equity markets and how there’s been a reckoning by institutional and retail investors, et cetera.The Private Market FalloutBut also there’s been a private market fallout. The first one is very obvious to understand. Private equity firms loaded themselves with SaaS. Some even went after roll-up strategies in SaaS, like bringing a bunch of companies together and trying to attack a market and really getting a significant part of that. Software accounts for roughly 25% of the private credit market, which is incredible. Just that’s private credit alone, significant again. They’re loaded with a bunch of companies that have nowhere to go. They can’t IPO, nobody else is interested in buying them unless it’s for a huge write-off or write-down. That’s the first problem right now that we’re seeing in this fallout, which is the private equity market itself. Not only the buyout market, but also we saw a lot of growth funds loading themselves with private equity stock, with a rather SaaS stock, private SaaS stock.Right now, there’s nowhere for that to go. They’re stuck between rock and a hard place with a lot of solutions that are not growing at the rates they were growing before, with a public market that’s not really interesting right now to IPO in, because as we were mentioning earlier, the multiples have gone downhill dramatically, so it’s not interesting. Basically, it’s a chicken-and-egg issue. I would love to sell this now, but I can’t because I have awful market. I can’t IPO it either, so what do I do with all these assets? That’s the first issue here. Bertrand SchmittIt’s clear that you have to be pretty delusional to think that what’s happening in the software public markets is not impacting the private markets. We don’t know why it will be in six months. In six months, it could keep getting worse in the public markets. Six months, at some point, maybe there is a recognition it went too far in terms of adjustment. It’s always tough. But at the same time, you have to be prudent. For sure, what it means is that if I’m a private equity investor in a SaaS business, you have to be a very, very, very special SaaS company to get more financing these days at good terms.Sometimes it’s a very simple math. If you fundraise at 20X, even 10X, how do you go to get to another round of financing if now your multiples are at 4X? That simply makes absolutely no sense whatsoever. Or you need to have grown into your valuation enough that it’s not crazy anymore. If you raise at 20X, and now you’re in 4X multiple, then you need to have grown 5X in your revenues so that you simply stay at the same valuation, or maybe you have to accept a different valuation. But again, quite frankly, the tough part would be convincing investors that it make any sense to put money in a SaaS business. Nuno Goncalves PedroJust to rub it in, just to make it even worse, the secondary market, which was a great market for exits or partial liquidations, et cetera, is demanding now huge discounts. There’s no way I’m going to buy into a stock if it’s not growing at the same pace. I’m like, “I’m sorry.” I will buy your stock at a significant discount. In some cases, it might be what would be a lesser price per share than your last round or your last two rounds. Not just, I want a discount on what you think you’re worth, but it’s like, I want a discount on your last round.Because there’s liquidity issues also in some parts of the market, we were talking just about the private equity firms, some of these deals will go through. If all of this wasn’t quite enough, we have what’s happening in venture capital, which is very close to my heart, of course, because that’s where I play. If you come to me, it’s like I’m a SaaS player immediately off the game. I’m like, “Really? You’re a SaaS, tell me more.” I was just talking to a player recently, SaaS play, there was nothing around AI in their pitch.It’s not just because you have AI in your pitch that I’m going to give you money, clear, but if you’re doing a SaaS play and there’s no AI in your pitch, I’m like, “Am I missing something?” If it looks very classic, I’m like, “Oh.” There’s been a huge, huge reduction in confidence in the VC space in investing in SaaS. There’s a tremendous hyper focus on AI, and in AI investing, AI apps, platforms, infrastructure by most VC firms at this moment in time. And so at this point in time, if you’re a non-AI SaaS player trying to raise money, where’s your AI play? I think that’s the question you’re going to get. It’s going to be very difficult to raise, very difficult to raise. Bertrand SchmittI agree with you. Myself, I saw that SaaS startups with absolutely no AI in their deck, and I was so shocked. I was like, “Guys, where are you living? Are you living in a parallel universe? Are you living under a rock? What’s going on?” Then they are like, “Yeah, but we’re preparing something like that, I come back and prepare.”But even then, as you say, it’s not just leaving AI in your deck. It’s what are your proof points? What have you delivered? How do you make sure that it’s truly differentiator? And how does it make sense versus a pure AI native companies? How are you going to find the new cloud tools that are going to get out in a few weeks and more or ChatGPT or whatever? You have to have a very different proof point. There is nothing new in the past. It’s how are you going to survive against Google? How are you going to survive against Salesforce? How are you going to survive against Microsoft? So nothing is new.Software universe is changing. There’s always that big guys that can destroy you in a matter of weeks. So the question is more, how are you going to be smart enough not to be killed too easily and to find your way in a space that’s probably moving faster than ever? That is probably the difference is that it’s weeks after weeks, you have big change. I’m pretty sure it didn’t happen in that space before because I’ve seen there, I’ve seen that, and it’s moving faster than ever. But it’s nothing new that there is this big company potentially destroying your business. You have to be smart.I feel in some ways, maybe it’s the 2020s, but people stopped being smart, quite frankly. They just raised easy at very large valuation and think that you just do something sometimes pretty basic in terms of software development and that’s good enough. Your GTM is traditional, and you think you made it, and you deserve some investment. I think you must have seen some of this. I have seen a lot of this. In some ways, it’s good. The market is becoming more discerning. Nuno Goncalves PedroThe Bull Case — Is The Market Wrong?But is the market wrong? Maybe shifting to that, at least my perspective is it’s wrong. It’s not fully wrong, but it’s wrong. There’s a right sizing of multiples, but maybe 4X is not the right multiple either. This whole 20X on actuals and 40X on forward stuff didn’t make any sense. There is an argumentation to say that the market is oversold. All the banks have come forward. Goldman Sachs, JPMorgan, Jeffries, Morgan Stanley. Everyone’s come forward and said there’s been definitely, Bank of America, whatever, there’s been an overselling of stock, a dramatic overselling of stock. There’s been a panic that wasn’t warranted. The price has gone down too dramatically for some of these key players.I think part of it, in some ways, is what we were alluding to earlier, the fact that some of these players have built really important stacks that are fitting their customers in a significant on core processes. You can’t just rip it off and put something new. Magically, it will work. It will be around building things around it rather than building things that replace it. Will there be over the long term potential disruption of some of these players around CRM and other solutions? For sure, we’ll see it.But definitely, some of the existing players, public companies that are large, are here to stay, and they themselves will buy into these markets. They’ll acquire positions into other service providers into toolmakers, into other platforms that allow them to be fully AI-enabled and to make their platforms more AI-enabled. I do think there was a huge amount of overselling. The second thing we already alluded to as well as go-to-market. If I’m selling something to someone, there’s a salesperson involved or there are a couple of salespeople involved, they’re not going anywhere. So in some ways, that relationship building with CIOs, with their teams, with procurement teams, all of that is still there.And a lot of the large SaaS players have been doing this for decades. So they have the surface of attack and go-to-market that will take a long time to build for even some of these startups that are disrupting, so to speak, the market. My view is there has been too much panic and the modes of the large players that are already public, in some cases, haven’t been considered at all. Bertrand SchmittThere’s definitely some truth in that. Another piece of the puzzle is that if SaaS is not growing as fast as it used to be, it’s still growing. Many companies are still very good cash generation machines. Many of these companies are moving to AI full speed, improving their tools, changing how you can search their data, how you can leverage their data. They are very close to the data, so they know best how to deliver value on this data. They can integrate existing AI tools. There are a lot of ways for them to capture part of the value that native AI companies are claiming they will get. I think it’s definitely going to, and we’ll talk more later on. I think there will be a question around how do you differentiate the best SaaS companies from the worst SaaS companies in that context.But maybe I just felt we moved a bit quickly on one big event that’s shaping the software industry, it’s the current crash in private credit. Do you have some thoughts about that? Because what’s happening there is pretty crazy, to be frank. Nuno Goncalves PedroYeah, we’ve seen a lot of these players like KKR and Apollo getting slaughtered. Basically, Blue Owl, TPG, Ares, KKR all fell double this in one day on private credit exposure fears. Overall, Apollo has fell 7% as the date of as we were recording BlackRock, 5%. These guys were walking on water and all of a sudden, there was like, “What happened?” And what happened was private credit exposure. A lot of the concerns in the market is private credit is super sexy, and for those who don’t understand what it means is I’m giving credit to a private company in exchange for something, either warrants in the company or revenue sharing in the future, or I’ll get your revenues in advance from you, or I’ll take, whatever it is. There’s over exposure.There’s this potential logic that all these guys are scaling, all the companies that they give private credit to are scaling. And now there are concerns that there might be some dramatic credit in the market, that some of these companies are actually going to die, they’re going to implode, or they’re not going to really fulfill their covenants in their private credit agreements. Bertrand SchmittIt was hidden in plain sight, but that some of these private credit funds at 25, 35% exposure to software, IT, and SaaS, so a huge chunk in an industry where you bet on the long term revenues and cash flow to pay back your loans, while at the same time there is a discovery that this business may be at risk in the next three, five years or even one year because of AI.I think that was the first big chink in the armor that suddenly the creditworthiness of these companies might not have been evaluated properly. But two, it looks like there is also fraud that has been happening. I was reading stories how three, four people, accounting companies, were valuing and estimating loans for hundreds of SaaS business. Good luck, this is crazy. It looks like there is another layer to that story. Nuno Goncalves PedroWhen there are industries building a lot of wealth or apparent wealth that’s coming a little bit from out of nowhere, the likelihood that there’s fraud and things that were not properly done is, it sadly increases dramatically or exponentially. I think we’re seeing just maybe the first effects of that. Bertrand SchmittI was reading, for instance, that one of these big funds was no haircut across the portfolio, ever seen value that was 100%, whatever. One quarter after that, one of their clients going out of business and they lost everything. In three months, you move from no haircut to 100% haircut, decent enough part of your portfolio. This is crazy for a credit business. Nuno Goncalves PedroIt’s ostrich syndrome. You just put your head under the ground, and you’re like, “Hey, whatever.” I don’t know. Bertrand SchmittYeah, it’s zero mark-to-market in an industry that should be relatively conservative. This is private credit. This is not VC, this is not startup, this is not equity, this is credit, so pretty scary. Another piece was like, some of them were supposedly senior on the debt, but they were not so senior after all, this is insane. You claim seniority, but you don’t have it.My point, I think what’s happening in private credit is maybe it all started with that what’s going on, a lot of software exposure. It’s risky because of AI, but the more investor dig into it, that’s when they started to realize that maybe there is more than just that software issue. I guess, all of this is going to be an issue for software business because if suddenly you cannot get loans anymore or the loans you add, you have to pay them back or when it’s time to pay them off, you cannot renew the loan. There is nobody else to turn yourself to get another loan to replace it. That’s not going to be fun and that’s going to impact your growth rates. That could potentially also even be worse than that, be dramatic for your own business survival. Nuno Goncalves PedroMaybe now switching back to the positive part for the bull case. We think the market’s wrong, not fully, but wrong. The other side is still things move on. We’ve also had the same issues in credits in several industries in the past when markets imploded and credit came back. In some cases, it took a while. In other cases, it came back relatively quickly. One great analogy on making a bull case on why all of this stock that was sold was oversold, there’s too much stock being sold on SaaS and at prices that don’t make any sense is an analogy, precisely, for example, with retail. Amazon was going to destroy everyone their mother in 2010, and it did not. It was going to destroy Walmart. Walmart passed the $1 trillion market cap. Bertrand SchmittNot too bad. Nuno Goncalves PedroSo what happened? They adapted. They had huge advantages. They had huge advantages in terms of their customer base, presence, relationship with their suppliers, with the offerings they had, et cetera. They had huge advantages of economies of scale, and they leverage those advantages. And those advantages ultimately materialized in tremendous increase in revenue, tremendous increase in market capital as well.Amazon has done really well as well. It’s not like Amazon didn’t do well. Again, I think this notion, people sometimes have this difficulty in separating the notion of disruption from the notion of replacement. Disruption doesn’t mean necessarily full replacement. You can disrupt industries, disrupt players in that industry, and still those players will exist 10, 20 years later, and they’ll be much bigger because they adapted. The ones that don’t adapt may be killed.But the disruption doesn’t necessarily mean replacement or killing. It means just that effectively the rules of the game, the business model, which we already talked about, monetization models, the way that capital flows in that industry, et cetera, all of that shifts. It doesn’t mean that necessarily the existing players are not going to exist tomorrow. In some cases, they will exist and they’ll be even stronger tomorrow. Bertrand SchmittI think what’s happening is truly a disruption of the SaaS business model, of the SaaS valuations, of the SaaS analysis, because now you need a new prism to analyze it. What are the markets doing in the meantime? They are just dumping it, waiting for, “Okay, how do we look at it in a different way? Who are going to be the winners and the losers?” For now, we don’t care, they’re all losers. But I think that the next piece of the puzzle for us in this episode, but for the market is, how are we going to separate the wheat from the chaff? Who is going to survive? Who is going to more than just survive? Who is going to thrive in that new industry. Nuno Goncalves PedroThere I feel the ones that survive, there’s a couple of obvious ones we can go into. Two that immediately come to my mind are data infrastructure, the Snowflakes, Databricks of the world, because this is the underpinning of everything that’s happening around AI. I don’t see the data infrastructure fundamentally shifting right now. It might in the future, but right now I don’t see it fundamentally shift. Those guys have, if anything, tailwinds rather than headwinds.Then the other one that’s very obvious to me is cybersecurity, where I think AI is very additive to it rather than just necessarily replacing everything that exists. In some ways, that already been used for a while, certainly by the top players. Definitely, those are two immediate categories and areas that come to mind that have maybe more headwinds and tailwinds where really AI is adding rather than subtracting to it. Bertrand SchmittNo, I totally agree with you concerning data infrastructure, cybersecurity. You could argue if you take cybersecurity, that with the rise of AI attacks, with AI making it easier than ever to generate attacks, you better build up your security. Nuno Goncalves PedroWith AI? No, but you have to have AI on your side defending as well. The only way to defend AI is AI. Bertrand SchmittThat’s my point. Your cybersecurity vendors will become AI-enabled, will leverage AI at scale in order to defend you, else they won’t be able to defend you, just quite frankly. Nuno Goncalves PedroCorrect. Bertrand SchmittThat’s part of the game. Data infrastructure, no questions. Again, I don’t think you want to redo your infrastructure with brand-new tools, brand-new stuff is the current tools are working great and doing the job. Maybe another piece of the puzzle is that vertical SaaS, domain-specific tools, healthcare, manufacturing, if you have proprietary data, regulatory modes, it will be much harder for AI to disrupt quickly. If you are not disrupted quickly, you have more time to readjust your business model, to adjust your business model, to leverage AI to improve your business model.Again, of course, some companies, we have seen with Adobe, for instance, have not proven great skills at adjusting to AI. Not everyone is going to get out as a winner. I think some categories have better chance to actually not just survive, but potentially thrive. Another piece are systems of record. If you are holding proprietary non-scrapable data that AI needs to function, that you have deep switching costs protecting you, you are not going to disappear right away. I think you will probably survive. If you are smart enough, you might be able to even adjust and leverage AI.But I can see some might just stick to their revenues and hold companies hostage and might not innovate a lot. I guess we’ll do well on the short run, but on the medium to long I would definitely more worried. Nuno Goncalves PedroOne point I would like to make is at the end of the day, there’s more than that. The algorithmic methodologies you should use for specific industries, for specific verticals, for specific use cases could vary. We’re still very early in a lot of the application of some of these AI methodologies. We’re not early in the development of the research around them. They’ve been around for decades, but the application of them is still relatively early. I think that’s one of the advantages why vertical SaaS companies and vertical SaaS solutions right now might have an advantage, because the domain in which you’re operating, even algorithmically, is actually different, and you need to really right purpose it for those environments and for those domains.For me, that’s an important point to make. It’s not just any vertical SaaS. I think vertical SaaS, where there’s algorithmic distinctiveness, definitely has a shot at it. Other might not. We just saw a lot of discussions around legal tech and how legal tech got slaughtered with the launch of Claude Cowork, for example. Definitely, it will depend a little bit on the verticals. Bertrand SchmittTake the legal side. There has been some interesting decision recently where basically, if you use AI for legal advice, then this data, this discussion is not privileged. You are at big risk of discovery. There is a lot of issues that if you are working with real lawyers, will not be there. Your data is not discoverable, your discussion stay private, so it cannot be used against you. I think companies have to be very careful and very worried about how some of these tools are being used because it’s creating new risk. Some of these tools are not going to get privileged in the coming few months, I don’t think so.You could argue most of these companies in the first place claim a right to access your data and leverage it. I think that even in legal, it would be interesting to see how it evolved. AI will be able to claim some privilege at some point? Maybe, I don’t know. But on the short run, I can imagine how the legal profession, for instance, will not let it happen too quickly, and how you have to be very careful. It’s great to move fast, but you have to be careful with what is it that you are getting into. Nuno Goncalves PedroLet me guess, the last company you’re going to say or the last type of companies that you’re going to say are like the survive, thrive are AI-first or AI-native companies. Is that correct? Bertrand SchmittYeah, I guess. Yes. They are going to be less disrupted by AI, given that they’re already AI native. Nuno Goncalves PedroThey are AI. Bertrand SchmittWe are going into another territory. Even if you are AI-native, are you going to still get killed by Claude because you don’t have enough technology or ChatGPT because you don’t have enough technology? You are just that basic rapper around another AI tools. Here my perspective and what I share more and more with some entrepreneurs is you have to be careful if you are just an AI native company, but ultimately you are a very AI light in the sense that, yes, you are a native, but you are just reusing other LLMs and stuff, and you have not built any proprietary tech or moat with your data or in your industry. That’s going to be trouble. That’s going to be trouble.I’m not sure the market discriminated well enough at this stage, but I think there will be quickly some premium around, have you built a real technology mode? Are you really in such a situation that you are not going to get killed by a Claude or ChatGPT in a few weeks? I think there will be some discrimination that’s going to happen. Ai native won’t be enough to save you, basically. Nuno Goncalves PedroI think there’s one thing. One is what you’re saying. Is there fundamental technology differentiation and/or product differentiation that will sustain itself as a moat? The second thing is, even if it’s an AI app at a higher level, the reality is the guys that are in the market today, the OpenAIs, the Googles, the Anthropics, etc., they’re not going to address all use cases. There are places where some use cases will still exist. We saw that in the mobile app economy.In some of these use cases, you’d be like, why hasn’t, for example, Apple addressed the need for this kind of solution, whatever, and maybe it took them a decade to do it. Then, when they did it, they almost killed the market. But you have some of these AI apps that I think will still be in the market that will emerge and will address use cases that for some time, for some reason, OpenAI, Anthropic, etc., won’t go after. To Bertrand’s point, and I think importantly, if you’re an entrepreneur, if you’re writing on a very specific use case, and there’s seemingly a high likelihood that any of these players are going to address at some point, you’re not in a sustainable place. You’re not going to be around very long. Bertrand SchmittOr you have to take that initial leadership position and transform it into a deeper technology mode, a business mode. You have to leverage that first mover advantage, maybe, to something deeper than that, something more defensible. Maybe you pivot also in term of industry. You started in industry A, but you realize industry B is really the good one. You have to really optimize your way and not take anything for granted. Nuno Goncalves PedroBertrand, do you remember when it’s like every release of iOS and whatever, we were like, what industry is Apple going to kill now? What are they integrating? There was a period of time where it was literally like every big release, every major release, the yearly one, you’d be like, what industry are they going to kill now? Bertrand SchmittTotally. Totally. I think the same is happening. Definitely, we say AI, but I think some players have been smart enough to zigzag around that onslaught from Apple, from Google. But some will stay put. We think it’s not going to happen to them. Yes, they got into trouble pretty quickly. I think also what we have seen is that a lot of value could be from players who are simply more neutral and independent vis-à-vis a platform. If you need someone in the middle, your three or four mobile platform, or now your three or four LLMs or AI platforms, there might be value you can extract because companies are not… That’s another piece of the puzzle.You don’t want to just depend on Claude. You don’t know in three months, ChatGPT has a better model. You will want to make sure that whatever you are running can adjust to a change of LLM providers, for instance, or tool providers. I think, for instance, one position could be that mutual player, the one gives you the ability to adjust quickly to different technical AI development. We will see. But I think there are different strategies you can go through to make sure you end up not being killed, and that will require smart entrepreneurs. Nuno Goncalves PedroSeparating The Wheat From The Chaff — Who Survives?We talked about who survives, who doesn’t survive. Let me start with one. Or where I think will be categories that will be incredibly under attack, so a lot of players, I think, will disappear or will become very, very small. One obvious for me is anything that relates to the small, medium business markets, so very SMB-focused SaaS, a lot of regional SaaS stuff that has emerged, copycatting in certain markets because the larger players didn’t want to expand in some of those markets.I think a lot of that stuff gets just replaced because a lot of the SMB markets are price sensitive. A lot of these markets are also best effort-driven. It’s like it doesn’t need to be perfect, it just needs to do the basic stuff. Therefore, I see that market as a market that’s going to get, in all honesty, over the next 3-5 years, slaughtered. It’s not going to be rapid death, but some of them are just going to be totally replaced. Bertrand SchmittI agree with you. If you don’t have a big enough moat, if it’s very shallow, if your clients are moving quickly, you can easily switch based on a small price difference. That’s definitely trouble. Nuno Goncalves PedroI’ll let an anecdote just so people I don’t understand. Because people say, but these regional SaaS solutions normally because of their specificities to the markets and stuff like that, whatever. I literally drafted the other day an agreement, a semi-agreement relating to Portuguese law on Claude in Portuguese, from Portugal, not Brazil and Portuguese. It drafted an agreement from scratch based on my prompting, and it took into account specificities of the Portuguese legal system and taxation. Guys, it’s like, this is a freaking consumer tool. Localization of what? The tax regime and whatever? Who gives a shit? It’s like, again, I think that’s the market that definitely will get a pretty significant beating. Bertrand SchmittAnother market for me, we talk about Adobe, but content creation tools. Here, I think there is a dramatic shift in how you use them. Before you use another Photoshop to replace something in a picture, change a slightly picture stuff. Now, you just say, hey, remove this guy from the picture. Hey, replace. Hey, create that picture from scratch. I have five photo IDs, put these guys in context, put them in your meeting room, and go for it. This is such transformational versus how you used to work before that I think some of this industry is getting destroyed.There will be simply no point of using these tools anymore because something else is just 10X better. That is not even a question. You could argue there is still a niche of professionals doing stuff in an always because it guarantees a bit more higher quality or this or that. Sure. But overall, this is getting disrupted big time and the much bigger business might be totally new and totally AI native. Nuno Goncalves PedroI will do a parochial comment. We have two investments in the content creation space, one more on the marketing side and the other one more on the hardcore content creation side. They’re both AI from inception, so they’re both AI native. One of them is called LetsEnhance, the other one is called blaze.ai. I feel it’s true that there’s going to be a lot of replacement of some of the content creation tools in certain markets like consumer and prosumer, driven by the Nano Bananas of the world and all that stuff.But on the top end and in enterprise and all that stuff, we feel that AI native content creation tools are there to be. It’s actually one of the areas of what I would call use cases or AI apps/platforms where I feel being AI native will give you an advantage. Just being a cross-cut play around the market being Anthropic or OpenAI, whatever, actually won’t solve the problem for some of the markets that need to be served in. Bertrand SchmittMakes sense. I agree with you. Maybe more quickly, some point solutions, relatively high risk. If you have a single function tool, then could be easily replaced potentially by an AI agent. We already talk about it. If you are too SMB-focused, that’s not the best segment of the market, typically. Maybe you can have a single test to check if that company is at risk. If you were to replace that tool, can a $20 a month AI agent do this task? If switch it cost are low, then maybe that’s not a good business opportunity. Maybe you should not invest, or you should sell the stock.Again, maybe you have to focus more on regulated niches, hardware dependent, critical private data, solutions where there is already outcome or value-based pricing in place. You have to put some rules and analysis to help you understand, is this business at risk of significant disruption or not? Not all business are the same. As an investor, that might mean that there would be some good opportunities. SaaS businesses that are going to emerge even stronger right now are at a cheap discount. Nuno Goncalves PedroAbsolutely. I think at the end of the day, certain basic workflow tools that are out there to simplify CRM, some very basic ERP modules, anything that’s very, very simple in terms of if this then that, all those tools are also going to be slaughtered relatively soon, sadly. If you’re in that space, maybe time, as Bertrand was saying earlier, to pivot, to go after some fundamental differentiation, or to do something else. You want to conclude, Bertrand? Bertrand SchmittConclusionSure. I guess we could see that from a trade perspective, from an investor perspective. I think it’s creating quite genuinely some opportunities. Some stocks are in the bargain, some of those are value traps, so you better get your investment skills in order. PE, private credit, definitely a lot of risk, not just from AI, I think from basic fraud as well.Secondary market, as you just say, it’s not an easy one. It’s a canary in the coal mine. I think you will agree, but this is before getting between AI native versus everything else these days, especially if you are more early stage. A more established business, it’s a different thing. But right now, just starting a regular SaaS company, that’s a tough one. From an investor perspective, you need to pivot as fast as you can from seed-based pricing, hybrid, outcome-based, value-based pricing. You have to do the move quickly. You don’t want to be pushed when it’s too late.Build-versus-buy is real, and that will only accelerate as coding agents mature. Vertical specialization, proprietary data are strong moat. They were before as well, so it’s nothing new. But I think the importance of having a true moat is more critical than ever. Lots of companies have received investment with not enough moat, and that’s the one getting destroyed in the private and public market. If you have strong matrix, there is a question of when is a good time to exit? I don’t know if the relations will ever come back. I think it truly depends as well on your business, a strategic fit with acquisition opportunities.Anecdotally, I have seen some businesses who look at exit opportunities and now are finding attractive options. It’s not all that dark, I would say. Maybe to answer to the question, do we have a SaaS apocalypse? Yes and no. Some companies are going to end badly, some companies are going to emerge stronger. I think that’s it for today. Thank you, Nino. Nuno Goncalves PedroThank you, Bertrand.

HT2563 - Advice on Travel Photography Here is some advice about travel that doesn't come from me, although I do agree with it. Strangely enough, it's a passage from the book Dodsworth by Sinclair Lewis, published in 1929. Not aimed specifically at photographers or artists, it still is an observation about travel that I think fits perfectly with our creative process as photographers. Show your appreciation for our free weekly Podcast and our free daily Here's a Thought… with a donation Thanks!

Why do confident, capable women replay conversations long after they end? In this episode of Elevate Your Mind, Rebecca Wiener McGregor — master hypnotist and subconscious recalibration specialist — explains: • Why overthinking conversations is often subconscious vigilance • How early relational environments shape nervous system patterns • The difference between insight and imprint • How subconscious recalibration dissolves conversational tension If you're articulate but internally alert in connection, this episode will resonate. Explore private subconscious recalibration work at rebeccawiener.com

Cuba is facing a deepening economic and humanitarian crisis, with government agencies under an oil blockade and mounting pressure from the United States. As shortages worsen, can the Cuban government survive? What would the fallout be for the rest of the Caribbean if it doesn't? We break down the political and regional implications with Julio Fonseca, co-chair of the Canadian Network on Cuba and president of the Association of Cubans in Toronto, alongside Tamanisha John, assistant professor in the Department of Politics at York University. Then, Karen Dubinsky, professor emerita in Global Development Studies and History at Queen's University and author of "Strangely, Friends: A History of Cuban-Canadian Encounters," explores Canada's long-standing relationship with Cuba. From cultural and personal ties to diplomacy and influence, we examine how Canada's soft power has shaped that relationship and how it could be used to support Cubans during this moment of crisis.See omnystudio.com/listener for privacy information.

Strangely, Friends: A History of Cuban-Canadian Encounters (Between the Lines, 2025) delves into the rich, often overlooked history of personal and cultural connections between Cubans and Canadians. From the early days of the Cuban Revolution to the present, this book uncovers the stories of Canadians who were drawn to Cuba--teachers, artists, development aid workers, filmmakers, and activists--who left an indelible mark on the island, and Cubans, especially the musicians, who found a home in Canada. Through intimate portraits and serendipitous encounters, Karen Dubinsky explores how these relationships transcended political ideologies and state policies, revealing a shared humanity that defies borders. From the classrooms of Havana to the jazz clubs of Toronto, this book captures the enduring bonds forged through music, education, and mutual curiosity, offering a fresh perspective on the power of people-to-people connections. Karen Dubinsky is Professor of History at Queens University in Canada. Katie Coldiron is Latin American & Caribbean Studies Librarian at Florida International University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

Strangely, Friends: A History of Cuban-Canadian Encounters (Between the Lines, 2025) delves into the rich, often overlooked history of personal and cultural connections between Cubans and Canadians. From the early days of the Cuban Revolution to the present, this book uncovers the stories of Canadians who were drawn to Cuba--teachers, artists, development aid workers, filmmakers, and activists--who left an indelible mark on the island, and Cubans, especially the musicians, who found a home in Canada. Through intimate portraits and serendipitous encounters, Karen Dubinsky explores how these relationships transcended political ideologies and state policies, revealing a shared humanity that defies borders. From the classrooms of Havana to the jazz clubs of Toronto, this book captures the enduring bonds forged through music, education, and mutual curiosity, offering a fresh perspective on the power of people-to-people connections. Karen Dubinsky is Professor of History at Queens University in Canada. Katie Coldiron is Latin American & Caribbean Studies Librarian at Florida International University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Strangely, Friends: A History of Cuban-Canadian Encounters (Between the Lines, 2025) delves into the rich, often overlooked history of personal and cultural connections between Cubans and Canadians. From the early days of the Cuban Revolution to the present, this book uncovers the stories of Canadians who were drawn to Cuba--teachers, artists, development aid workers, filmmakers, and activists--who left an indelible mark on the island, and Cubans, especially the musicians, who found a home in Canada. Through intimate portraits and serendipitous encounters, Karen Dubinsky explores how these relationships transcended political ideologies and state policies, revealing a shared humanity that defies borders. From the classrooms of Havana to the jazz clubs of Toronto, this book captures the enduring bonds forged through music, education, and mutual curiosity, offering a fresh perspective on the power of people-to-people connections. Karen Dubinsky is Professor of History at Queens University in Canada. Katie Coldiron is Latin American & Caribbean Studies Librarian at Florida International University. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/latin-american-studies

Don't have time to listen to the full show? We got you covered on the Nathan, Nat & Shaun Quickie, all the best bits from Wednesday, 4th of March’s episode!See omnystudio.com/listener for privacy information.

"Strangely you're arousing Suse right now" - Luttsy Listen live on the Nova Player. Follow us on Facebook, Instagram & TikTokSee omnystudio.com/listener for privacy information.

Building a Financial Advisory Firm That Puts Clients First: An Inside Look at the Process Meta Description: Discover why Tom Dupree founded Dupree Financial Group in Lexington, Kentucky—focusing on personalized investment management, team accountability, and retirement planning for local clients. For pre-retirees and retirees in Kentucky searching for personalized investment management, understanding the “why” behind your financial advisor matters just as much as the “how.” In this special episode of The Financial Hour of The Tom Dupree Show, Tom Dupree Jr. and Mike Johnson share the founding story of Dupree Financial Group—a journey that began with a simple walk in the woods near Natural Bridge in Kentucky in February 2002 and evolved into a comprehensive wealth management approach designed specifically for Lexington-area retirement investors. The Origin Story: From Brokerage Dissatisfaction to Independent Registered Investment Advisor Tom Dupree recalls the pivotal moment that sparked the creation of Dupree Financial Group. Walking through the woods with his young son James on his shoulders, he realized the traditional brokerage firm model wasn’t aligned with the future he envisioned for his family and clients. “I got this joy, this excitement in my heart thinking about doing this,” Tom explains. “I was in no position to do it at all. I didn’t have any money. Strangely, my banker approved me for a loan to actually go get the office space and get it fitted up. And that fit-up is still the same fit-up we’re using. We have not changed it.” The firm officially opened in 2003, but Tom identifies 2010 as the true beginning of Dupree Financial Group as it exists today. That’s when the firm disassociated from an outside brokerage and became an independent Registered Investment Advisor (RIA). “In 2010, we disassociated ourselves with an outside brokerage firm and became what’s called an RIA, a Registered Investment Advisor, which meant that now we’re not paying 25% of our revenues to an outside firm,” Tom shares. “That enabled us to do a lot more internally, and it really was the beginning of the firm that we know today.” Key Takeaways: Why Dupree Financial Group Started Client-focused mission: Created to serve average retirement investors who wouldn’t necessarily get attention from major brokerage firms Cost structure advantage: Lower overhead means smaller accounts receive meaningful attention and personalized service Local accountability: Designed specifically to respond to clients in Lexington, Kentucky, and the surrounding region Team approach: Built from the ground up to provide collaborative service rather than single-broker relationships Independence: Becoming an RIA in 2010 eliminated the pressure to use proprietary products and allowed true fiduciary responsibility Personalized Investment Management vs. Mass-Market Approaches One of the core distinctions Tom emphasizes is the difference between Dupree Financial Group’s model and the mass-market approach taken by larger national firms. Rather than assigning clients to investment counselors within a large hierarchy, Dupree Financial Group provides direct access to portfolio managers who actually research and select the investments. “When you’re talking to somebody, to one of us, the team that you’re talking to is also the team that is designing your investment portfolio, actually helping pick stocks and bonds to own in the portfolio,” Tom explains. “Now why is that a big deal? Well, when I was with Brand X, they had a guy in New York who was brilliant, and he really was brilliant, and he was a stock picker. You didn’t ever talk to him, but he would publish a list of things that you ought to buy.” That approach failed catastrophically during the 2001-2002 market downturn, when many clients saw portfolios decline 50% with little communication or accountability from their advisors. “It wasn’t so much the fact that everything went down, although that was a big part of it, but it was the lack of communication,” Tom notes. “It was not being willing to be accountable for what really had happened, and they just clammed up.” The Dupree Difference: Direct Access and Transparency Mike Johnson highlights several critical advantages of the Dupree Financial Group model: Team collaboration: Multiple professionals work together on research and portfolio management, producing better outcomes than single-advisor approaches Direct communication: Clients speak directly with the team members who make investment decisions Own investment selection: The firm conducts its own research and calls companies directly rather than relying on buy lists from headquarters Local presence: All revenues stay local and are reinvested in client services rather than flowing to Wall Street firms “The service team is way more aligned with the investment team,” Mike explains. “It’s not two separate functions sitting in the same room.” Investment Philosophy: Focus on Income and Risk Mitigation for Kentucky Retirement Planning Unlike money managers competing to beat specific indices, Dupree Financial Group takes a different approach focused specifically on retirement investors’ needs. This investment philosophy prioritizes income generation and risk mitigation over performance rankings. “We’re not trying to beat any index. We’re just investing in things that we see are good that we think meet our parameters for what we’re looking for,” Tom states. “The why is it’s a focus on risk mitigation, and it’s a focus on income. Those things actually make it pretty easy for us once we tie down the parameters of what we’re looking for.” Mike Johnson references a quote from investment manager Howard Marks that encapsulates a key industry problem: “If you want to be in the top 5% of money managers, you have to be willing to be in the bottom 5% too.” That statement, Mike explains, highlights the perverse incentives created when advisors chase index performance rather than focusing on actual client needs. Real Portfolio Examples: How the Strategy Works The team shares several examples of their investment approach in action: The 6.5% Dividend Stock: “We bought it in June. This company, our listeners would be familiar with. At the time, it had a six-and-a-half percent dividend yield, and the valuation was attractive when you look at the hard assets that they had. We felt some things could go right for the company over the next couple of years. And in the meantime, the stock had gone down significantly, so there was a lot of bad news priced in already. Since then, the stock has gone up to what we thought it would go up to over the next two to four years. It just did it in four months.” The Grocery Company: “We invested in a company the other day—it was a grocery company well known within Central Kentucky. It’s gotten cheap. We just knew it as being a household name that pays a small dividend.” The Clothing Brand: “It’s kind of a clothing company, well-known. It puts out some major, well-known brands. The thing’s gone from a hundred dollars to 30-something, so we decided to take a look there. That one pays a pretty good dividend.” These examples demonstrate the value-focused, income-oriented approach that differentiates Dupree Financial Group from index-chasing strategies. The Team Approach: Building Long-Term Relationships Over Transactions A fundamental principle at Dupree Financial Group is the shift from transactional relationships to ongoing partnerships. Tom explains how his years at major brokerage firms taught him what he didn’t want to replicate. “One thing that I learned in the big firms was that it’s always about the transaction. It’s about the trade,” Tom recalls. “You were constantly having to pursue that trade, do this trade with this client, do that trade with that client. I didn’t want it to be about the trade anymore. I wanted it to be about the relationship.” This philosophy manifests in several concrete ways: Regular review process: Unlike transactional brokerage relationships, Dupree Financial Group built systematic client reviews into the firm’s DNA from the beginning No pressure to sell: Because clients have already committed to the process, meetings focus on education and information rather than sales Team accountability: Multiple team members take responsibility for each client rather than the single-broker model Transparent communication: When investments don’t work out, the team explains why openly rather than avoiding difficult conversations “When our clients come in for a review or they call with a question, they know we’re not trying to sell them anything,” Mike emphasizes. “It’s informational. It’s actually something they can use.” Direct Company Research: An Uncommon Practice One aspect of Dupree Financial Group’s approach that sets them apart is their practice of directly contacting companies they invest in—something Tom notes is rare among medium and small-sized investment advisors. “We do calls with these companies. In some cases, we’ve gone to visit them—the actual company itself that we’re investing in,” Tom explains. “That would’ve been unheard of in our previous setup. A big part of what we do is talk to the clients—I say clients, the businesses that we invest in. We talk to them, we want to find out what they’re doing, learn a little bit about management and do the best we can to really do our due diligence.” This hands-on research approach provides insights that buy lists and analyst reports simply cannot match. Four Generations of Financial Service: The Dupree Family Legacy The commitment to serving clients runs deep in the Dupree family history. Tom shares how his grandfather entered the investment business around 1920 in Louisville, Kentucky, selling preferred stock for Louisville Gas and Electric directly to the public before moving into municipal bonds. “My grandfather was the first one of our line that was in the investment business,” Tom explains. “Then my dad got into the business after being in the navy, I think it was around 1955 in Harlan, Kentucky. Then me and now my two sons are in the business.” Tom’s father moved the family to Lexington in 1963 and founded Dupree and Company, which managed municipal bond issues and eventually started the Kentucky Tax Free Mutual Fund in 1979. “Their idea was always to make a thing for clients that the clients could use, that was a retail thing,” Tom notes. “And so I carried that concern for the clients into what I did when we started Dupree Financial Group.” This multi-generational focus on creating client-centered investment solutions forms the foundation of the firm’s culture today. Tom’s sons, Clark and James, are involved with Dupree Financial Group, making the fourth generation of Duprees in the investment business. The Evolution: Early Struggles to Established Success Tom is refreshingly transparent about the challenges of the firm’s early years. After opening in 2003, success didn’t come easily or quickly. “It certainly was frightening during those early days of opening the firm and wondering if anybody would ever show up,” Tom recalls. “We did all these seminars, lots of them, over a hundred. People would show up, and now and then we’d get a client out of it. It took a lot of work.” The firm began regular radio broadcasts around 2008, which helped build awareness and credibility in the Lexington community. But the real transformation came in 2010 with the transition to RIA status. “When we became an RIA, it opened up possibilities for investment options that we didn’t have before,” Mike reflects. “It got the pressure of the heavy hand off to use proprietary products. That hand was always on you. And so that was lifted. It was like the skies opened up that you had this flexibility now.” Mike adds a crucial point about this transition: “At the same time, that was a sobering feeling. Now it was on you. You can’t blame it on anybody. But from our client’s standpoint, that was something that was a positive because the accountability increased for the firm.” Client Retention: The Ultimate Validation Perhaps the strongest validation of Dupree Financial Group’s approach is client retention. Tom notes that the firm keeps clients longer and longer—a testament to the relationship-building model. “We seem to be keeping clients longer and longer, so evidently we did something right,” Tom observes. “Once we got the buggy built, we really haven’t fooled with it much. We’ve tried to do some tweaks here and there, but the basic chassis has served us pretty well.” Why the “Why” Matters for Kentucky Retirement Investors For pre-retirees and retirees evaluating financial advisors, understanding the “why” behind a firm’s approach provides crucial insight into what kind of service you’ll receive. Dupree Financial Group’s founding principles remain consistent today: Serve retirement investors who might not get attention from large brokerage firms Maintain local presence and accountability in Lexington, Kentucky Provide team-based service rather than single-advisor relationships Focus on income and risk mitigation rather than index performance Conduct independent research and select individual investments Build long-term relationships rather than pursuing transactions Communicate transparently about both successes and setbacks As Tom reflects: “It really wasn’t about the investment performance. It’s about the touch, it’s about the accountability, those sorts of things. And that’s the kind of thing we’ve set up. That was what I envisioned when I started this thing—that we would give the clients more of what they should have been getting at the Wall Street firms.” Ready to Experience the Dupree Financial Group Difference? If you’re approaching retirement or already in retirement and want a local financial advisor who prioritizes transparency, accountability, and personalized service, Dupree Financial Group invites you to experience the difference that a client-first approach makes. Schedule your complimentary portfolio review today: Call: (859) 233-0400 Visit: www.dupreefinancial.com Get Personalized Analysis: Request your portfolio consultation Don’t settle for mass-market investment approaches or impersonal service from distant Wall Street firms. Work with a team of Kentucky financial advisors who do their own research, communicate directly with you, and keep your retirement goals at the center of every decision. Explore more insights on Kentucky retirement planning strategies and listen to additional episodes in our Market Commentary archive. Frequently Asked Questions About Dupree Financial Group What makes Dupree Financial Group different from large brokerage firms? Dupree Financial Group operates as an independent Registered Investment Advisor (RIA), meaning the firm doesn’t pay commissions to Wall Street parent companies and doesn’t face pressure to use proprietary products. The team that meets with clients is the same team that researches and selects investments, providing direct accountability and transparency. All revenues stay local and reinvest in client services rather than flowing to distant corporate headquarters. Why did Tom Dupree start his own financial advisory firm? Tom founded Dupree Financial Group in 2003 after 19 years with a major brokerage firm, where he witnessed the limitations of the transactional, sales-focused model. He envisioned creating a firm that would serve average retirement investors with personalized attention, team-based accountability, and a focus on long-term relationships rather than individual trades. The firm became truly independent in 2010 when it transitioned to RIA status. What is the investment philosophy at Dupree Financial Group? Unlike money managers competing to beat specific indices, Dupree Financial Group focuses on income generation and risk mitigation for retirement investors. The team conducts its own research, including direct calls to companies they invest in, and selects individual stocks and bonds based on dividend yield, valuation, and margin of safety rather than trying to match or beat market benchmarks. How does the team approach at Dupree Financial Group benefit clients? The team model means clients receive the collective expertise of multiple professionals rather than relying on a single advisor’s perspective. Multiple team members share responsibility for each client account, improving service levels and ensuring continuity. This collaborative approach produces better research outcomes and provides clients with consistent access to knowledgeable professionals. What types of clients does Dupree Financial Group serve? Dupree Financial Group specializes in serving pre-retirees and retirees, particularly those who might not receive personalized attention from large brokerage firms. The firm’s cost structure allows them to provide meaningful, customized service to clients with retirement accounts of various sizes, with a focus on the Lexington, Kentucky area and surrounding regions. How often does Dupree Financial Group communicate with clients? Regular client reviews are built into the firm’s DNA from the beginning. Unlike transactional brokerage relationships where communication happens only when making trades, Dupree Financial Group maintains ongoing dialogue with clients through systematic review processes. These meetings focus on education and information rather than sales, since clients have already committed to the firm’s investment process. Does Dupree Financial Group charge fees or commissions? As a fee-based Registered Investment Advisor, Dupree Financial Group operates under a fiduciary standard, meaning it’s legally required to act in clients’ best interests. This fee-based structure eliminates conflicts of interest inherent in commission-based brokerage relationships and aligns the firm’s success with client outcomes. Disclaimer: This content is for informational purposes only and does not constitute investment advice. Past performance does not guarantee future results. Please consult with a qualified financial professional regarding your specific situation. The post Why Independent Financial Advisors Choose Income Over Index Performance for Retirement Portfolios appeared first on Dupree Financial.

“If everything's important, then nothing is important”. You've probably heard that many times. Yet, are you guilty of ignoring it?  In today's episode, I share with you a few ideas on how to best prioritise your days.  Links: Email Me | Twitter | Fac ebook | Website | Linkedin   The Ultimate Productivity Workshop  The Hybrid Productivity Course    Get Your Copy Of Your Time, Your Way: Time Well Managed, Life Well Lived The Working With… Weekly Newsletter Carl Pullein Learning Centre Carl's YouTube Channel Carl Pullein Coaching Programmes Subscribe to my Substack  The Working With… Podcast Previous episodes page Script | 405 Hello, and welcome to the real episode 405 of the Your Time, Your Way Podcast. (Apologies for the incorrect numbering last week) A podcast to answer all your questions about productivity, time management, self-development, and goal planning. My name is Carl Pullein, and I am your host of this show.  How many overdue flagged tasks do you have in your task manager? If you're like most people, you will have quite a few.  The question is: why are they overdue? You made a conscious decision that these tasks were important, but then did not do them when you wanted to do them. This is something I struggled with for years. I would add flags to anything I felt was important, then completely ignore them throughout my day. It wasn't until I realised I was making a mistake and diminishing the power that flags give me, that I changed my approach. Over the last few weeks, I've seen this coming up in a lot of my coaching sessions, where I notice overdue flagged tasks cluttering things up and becoming a distraction to the user.  The other issue here is that overdue flagged tasks cause an increase in anxiety. You flagged them because they were important or urgent, and now you have a long list of such tasks. Where do you start to get them under control?  Now, before I hand you over to the Mystery Podcast Voice for this week's question, if you've been waiting for the 2026 Ultimate Productivity Workshop, then the wait's over. Coming on the 8th and 15th of March, join me live for a festival of productivity. Featuring the COD foundation, the Time Sector System, and how to get on top of your backlogs and so much more, including the DPS (daily Planning Sequence and the WPM (weekly Planning Matrix).  Places are limited, so get yourself registered today. Full details are in the show notes.  And now it's time to hand you over to the Mystery Podcast Voice. This week's question comes from Caroline. Caroline asks, “ Hi Carl, I've recently cleaned up my Todoist, and as I was doing so, I found a lot of flagged tasks that I had ignored. These are important tasks, and I don't want to remove the flag. But it's become so overwhelming. What's the best way to use flags, in your opinion?  Hi Caroline, thank you for your question.  As a Todoist user, you have many options for your flags. There are technically four flags. P1 (red), P2 (orange), P3 (blue) and P4 (white). The P4 flag isn't really a flag, since all tasks default to it. With these flags, there are many ways you can organise them. However, you do need one of them to be your priority flag.  When I say “priority flag,” this is the one you use when a task absolutely must be done on the day it was assigned.  Logically, you would use the P1 red flag for that.  Now, this is where many people go wrong.  It's very tempting to add a flag to a task long before it is due. The feeling is that if the task is important, it will still be important on the day you plan to do it.  Not true. Priorities change.  You plan to finish a proposal for your most important client on Thursday, but that morning, your daughter has a serious asthma attack, and you are now in the emergency room of your local hospital. Where's your priority now?  Okay, I know that example is a little extreme, but those things happen.  Priorities also change throughout the week. That important client may tell you the proposal is on hold for a few months, so there is no urgency. But new priorities will come along, don't you worry.  This is why adding your flags should be done at a daily planning level.  Now I will caveat that.  There are times when I know something will be the priority for the day. The script for this podcast, for instance, is today's priority. I knew that when I planned the week, and I flagged it. It doesn't matter what other things pop up through the week; when it comes to writing this script, it's the priority for the day.  Your core work will always be a priority. This is why I have people spend time working out what their core work is. After all, your core work is the reason you are employed. If you didn't do your core work consistently, you would not have a job for very long.  Even retired people need to consider what their core activities will be each day.  I'm reminded of this following a conversation I had with my father-in-law over the weekend. We've just had the lunar New Year here in Korea, and my parents-in-law stayed with us over the holiday.  During that time, my father-in-law mentioned he planned to hang up his silicone gun and tiling trowel at the end of the year. He fits bathrooms and was thinking about what he would do when he no longer needs to wake up at 5:00 am each morning.  The first thing I said was that he needs to prioritise exercise. His job ensures he's getting plenty of exercise. Walking up and down stairs carrying sinks, shower kits and tiles is hard physical work. His job currently ensures he's getting his exercise.  The moment he stops doing that five days a week, he will need to find a replacement activity to prevent muscle loss.  Losing his muscle mass will lead to him losing his independence very quickly.  We all have priorities that recur. Those tasks can be pre-flagged. They are critical, whether you are working or retired. Having a few tasks already prioritised helps you plan the day, since you can decide whether they will be the priority or not. Let me explain.  All of us are limited by the same thing each day. Time. It's the one thing none of us can change. Writing this podcast script takes about 2 to 2.5 hours. That eats a big chunk of my work time each week.  At the same time, we all have to deal with communications, meetings, admin and other day-to-day tasks. I need to include an hour each day for taking Louis for his walk, and next week, he also has a grooming appointment, which will take time out of my week.  Looking at next week's calendar today, I can see where my appointments are and already guess which tasks will be a priority. When I do my weekly planning, I pre-flag what I think will be the priority for each day, but I am aware that when I do daily planning, I may need to change it. There has to be a degree of flexibility.  It could be that I get an email on Monday asking for a proposal to work with a company and design a workshop for them. That would become a priority for that week.  I would add a task, “Begin work on company workshop”, and schedule it. Yet, I would not flag it then. When the day comes, and I do my daily planning, I then get to see the real landscape of my day.  It could be that I have five hours of meetings that day and two or three pre-planned, prioritised tasks. Now I have to make a decision. What is my REAL priority that day?  If I have promised to get the workshop outline to the client by the end of the week, that will be my red-flagged task that day. I made a promise, and I will deliver on that promise.  Given that I have five hours of meetings and need two hours to put together the outline and proposal, there's not going to be much time left for anything else that day. I need to re-prioritise my day.  So I add the flag to the workshop's proposal and decide on what needs to be rescheduled.  It's likely that, in that given scenario, I would not flag anything else. I know I don't have time to do much else.  This is why daily and weekly planning complement each other. The weekly plan is about setting yourself objectives. The daily plan is about ensuring you prioritise your day so you work towards meeting those objectives—given the new information, ie, new tasks that will inevitably come in.  Now I know many of you will add a flag to a task because you keep rescheduling it and just do not want to spend the time doing it. The thinking goes that if you flag it, you will do the task. Hmmm, how often does that work?  This is often the reason many flagged tasks become overdue. The only change is that the task now has a flag. Yet you still don't want to spend the time doing it. When you use your daily planning time to prioritise your day, you're using real, up-to-date information to guide you. You can remove flags from tasks you thought were important but are no longer, and add a flag to the tasks that are important that day.  I mentioned that you can pre-prioritise your week by flagging tasks at the weekly planning session. When you do the daily planning, you decide if your priorities have changed and, if so, remove flags or reschedule those tasks.  What I like about this approach is that it feels like your task manager is supporting you rather than the other way around. You retain control over what you will and will not do each day.  This works particularly well if you find yourself behind on something or have a backlog that needs dealing with. When you plan the day, you get to decide what to place on your task list and in what order. Now, how many flags should you allow each day? Several years ago, I decided to find out how many tasks I could consistently do each day for a week. I began with fifteen and soon discovered that if I wanted to be consistent, then that number was ten.  This number does not include routine tasks such as cleaning my actionable email, my daily admin tasks and the usual things we all have to do at work each day.  When it came to flagged tasks, I soon discovered that I could consistently do two important tasks a day. When I tried three or more, I frequently was unable to do one of them. I just ran out of time.  And so, my 2+8 Prioritisation Method was born.  This method forces you to realistically prioritise your day. You can choose only two must-do tasks for the day. These are flagged. The remaining eight are not flagged, and you will do what you can to clear that list each day.  This method works because it introduces constraints into your system.  Given that it's human nature to want to do more than we can realistically do each day, adding this constraint of no more than ten tasks per day ensures you are picking the genuinely important tasks.  No, that interesting YouTube video is not important. You can watch that any time. But renewing your father's prescription for him is.  Checking your car's tyre pressures before you head out on a long road trip this afternoon will be a priority over reading that article your colleague sent you.  I have my Todoist set up so I can see my red-flagged tasks each day using a filter. That filter is “today & P1”.  Each morning, before I begin my day, that's the first place I go. I review my flagged tasks and remove any excess.  This has taught me to become ruthlessly competent at prioritising.  Strangely, this goes back to something I learned in my teenage years. In Hyrum Smith's Ten Natural Laws of Time and Life Management, he writes about establishing your governing values. Today. I think of these as my Areas of Focus.  These governing values are the predetermined priorities in your life. Often, family will be at the top of that list. The idea is that your governing values have a natural prioritised list. For example, if your family's well-being is above your career, if your family needs you to do something, that will be prioritised over your work commitments.  For me, my health and fitness is above my work in my list of areas of focus. This means I will not schedule meetings at 4:30 pm. That's my exercise time. I will not do any work at that time either. At 4:30 pm, I exercise.  So there you go, Caroline. I hope that has helped. The key is to prioritise your day during your daily planning and use that time to reset your flags so nothing is ever overdue.  And above all, respect your flags. If you know you will not be doing a flagged task on any given day. Either reschedule the task or remove the flag.  Thank you for your question, and thank you to you too for listening.  It just remains for me now to wish you all a very, very productive week.   

At a small college in northern Wisconsin, students whisper about a ghost named Wanda who haunts Memorial Hall.But that isn't the dorm this student is worried about.Assigned to McMillan Hall her freshman year, she expected homesickness and late-night study sessions — not the unmistakable sound of someone shifting in the bottom bunk of her empty room. At first, it was just creaking. Then it was movement. Then it was something she could almost see.When objects began sliding across the floor and lifting on their own, the unease turned into fear. And one night, she woke up running for the lights — with an injury she couldn't explain. Strangely, not every floor felt the same.So if Wanda wasn't in her building… who was?#RealGhostStoriesOnline #HauntedDorm #CollegeHaunting #WandaTheGhost #Ghosts #ParanormalEncounter #CampusGhost #TrueGhostStory #MidnightFootsteps #HauntingsLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

Warning: Speed Bump. The deep freeze holding thousands-year carbon is thawing faster. The Arctic tosses gigatons of CO2 and methane into the atmosphere. The newest permafrost science with Christina Schädel, Senior Research Scientist at the Woodwell Climate Research Center in Massachusetts. Strangely, the  …

When her family moved into a new house, she chose the bedroom at the back—quiet, private, and unremarkable. At first, nothing felt wrong. But over time, she began waking at night with the unmistakable feeling that someone was standing beside her bed. A dark figure appeared, small and indistinct, never speaking and never threatening—easy to dismiss as a half-dream.Then objects began moving. An alarm clock cord she kept carefully hidden was repeatedly found rearranged. One night, she saw the clock stretched into the room, suspended in the air, only to blink and find it back in place.Strangely, everything stopped whenever she moved her bed away from one specific wall.Years later, curiosity led her to test that theory again—and this time, the presence made itself known in a way she could no longer explain away. Even now, she's left wondering whether the room was ever truly empty.#RealGhostStoriesOnline #ShadowFigure #HauntedBedroom #ParanormalActivity #TrueGhostStory #Unexplained #ShadowPeople #ListenerStoriesLove real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

The post Strangely, Not Far Enough – Matthew 5:29-30 – February 12, 2026 first appeared on Enduring Word.

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My daughter called me the other night via FaceTime. It was all about a boy, a dilemma, and a conversation she'd had... with ChatGPT. She read us the entire transcript. Word for word. The advice was thoughtful. Structured. Strangely familiar. Because it echoed the very guidance I've given her for years. From my book. From our conversations. From my work. And still, to her, ChatGPT felt clearer. More helpful. More precise. That moment stayed with me. Not because the advice was wrong, it wasn't. But because it revealed something deeper about where we're sourcing our wisdom, and why so many are turning toward AI to meet emotional needs that (I believe, in my decades of experience) requires something far more human. In this episode, I unpack that moment, and the larger shift it signals for all of us. We explore: Why AI is becoming a source of emotional support What well-worded advice can't replace The gap between resonance and true relationship safety What gets lost when guidance isn't rooted in lived experience And why embodiment, not information, is the portal to real change This isn't about resisting innovation. It's about remembering what technology is great at…and what it can never hold. LISTEN ON SPOTIFY   LISTEN ON APPLE PODCASTS If you're navigating something that insight alone hasn't been able to shift, this is the exact work we do at Kiru Psychotherapy.  Reach out if you're ready for support (from humans!) Dr. Shyam XO     Where to Connect: My Clinic: Kiru Psychotherapy: https://kirupsychotherapy.com Free Masterclass: Inside the Mind  1:1 Support: Cognitive Freedom Program LINKEDIN: https://www.linkedin.com/in/dr-shyamala-kiru-4a853aa5/ INSTAGRAM: https://www.instagram.com/iam.drshyam/

Diane Coll is a prolific writer and composer. On her new album Strangely in Tune Diane continues to explore her own musicality, electrically rockin’ her folk roots, with lush vocal arrangements and songs that speak to the current state of humanity. This is Diane’s fourth visit to Paradigms, and her fourth record since 2022. And while Diane is creating all this great music she is also a Licensed Professional Counselor, National Certified Clinical Hypnotherapist specializing in Creative Therapies. Altruism and honesty inform Diane’s work both as a Counselor and as an Artist. • Diane Coll on YouTube Music by: Diane Coll The post Diane Coll – “Strangely in Tune” appeared first on Paradigms Podcast.

Today on Inside Politics, we welcome back former opposition leader Bill Shorten, who is now the Vice Chancellor of the University of Canberra.It's a timely moment to have Shorten on the podcast as he obliquely (very obliquely, we stress) came up in the Epstein files this week.Strangely, in the massive dump of new documents from the files, there is a text message exchange between Steve Bannon, the former strategist for Donald Trump, and paedophile Jeffrey Epstein.In the messages, Bannon boasts that he spoke to Australian billionaire mining magnate Clive Palmer on his disruptive $80 million advertising campaign during the 2019 federal election.This was the election contested by Shorten, and we asked him what he thought.Joining host Jacqueline Maley for this discussion is chief political correspondent Paul Sakkal.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Today on Inside Politics, we welcome back former opposition leader Bill Shorten, who is now the Vice Chancellor of the University of Canberra.It's a timely moment to have Shorten on the podcast as he obliquely (very obliquely, we stress) came up in the Epstein files this week.Strangely, in the massive dump of new documents from the files, there is a text message exchange between Steve Bannon, the former strategist for Donald Trump, and paedophile Jeffrey Epstein.In the messages, Bannon boasts that he spoke to Australian billionaire mining magnate Clive Palmer on his disruptive $80 million advertising campaign during the 2019 federal election.This was the election contested by Shorten, and we asked him what he thought.Joining host Jacqueline Maley for this discussion is chief political correspondent Paul Sakkal.Subscribe to The Age & SMH: https://subscribe.smh.com.au/See omnystudio.com/listener for privacy information.

Episode 264 How A Man Appreciates Sensers! Sometimes our view of love can come with a bit of pain. Strangely enough looking back, it actually good to feel, maybe not at the time because I didn't get what I wanted but certainly came with a rush from the experience. There's a few different “pains” I can think of when I look at what I been through. So on social media, there's so much being said regarding the manosphere, masculinity, the manoswamp and terms related to such. I believe there's a lot of things said that's nonsensical and made to be get views by stirring up someone who is easily offended by opposing views. All in all, it's something that makes for an interesting discussion. Appreciation goes a long way with communication in my opinion. People have various ways to show such appreciation. Some more verbal than others and some more physical than others. Overall, being able to show gratitude for other's kindness can go a long way in life but definitely in business. May God and His Universe remove any negative energy you may have stored from reading this. If you dig the episode, click, like, and share on your page. Help build the tribe of healing

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HeroClix Podcast for players new and old! Hosts Kalder and Ian truly blend the Casual and Competitive aspects of HeroClix into this all encompassing board game podcast! Stay tuned as they cover: news, strategy, team builds, and everything else in the world of Heroclix! Join Kalder and Ian this week as we talk about: 1. Review Strange Tales! VOTE IN THE CLIXYS: https://forms.gle/Vghr4vc2U27rricx7 If this is your first episode or you are just getting into Heroclix check out our new player episode for everything you need to know for when you get started: https://www.youtube.com/watch?v=Se_hS5XiPpU Don't forget to email or message us on Facebook any time you have a question. We'd love to hear from you! Follow the links Below! Support us on Patreon: patreon.com/DialHpodcast Everything Dial H: https://linktr.ee/dialhforheroclix DIALH10 for 10% off: Shop Wizkids Sponsor: CoolStuffInc Craftworks Forge: https://www.etsy.com/shop/craftworksforge/?etsrc=sdt&page=1#items Action Objx: https://actionobjx.com/collections/al

Noisy Doors, Leaky Roofs, and the Mark of the Beast Last week's newsletter was written to be very simple. This week...not simple. We're tying together our lessons on the Salt Covenant, The Scarlet Harlot, and the basic menorah pattern of Workbook One. So no, it's not simple, but it's not too difficult, either! Try printing it off and studying it over two Shabbats, referencing the suggested videos or workbooks as you go.   ***   So what do noisy doors, leaky roofs, and the mark of the beast have in common?    Excellent question! I'm glad you asked.   In order to see the connection, we have to know a little something about each of them. If you want a refresher on the Beast, consider signing up for the Creation Gospel Workbook Four class coming up with Kisha Gallagher (scroll down for info) or watching the Scarlet Harlot series on YouTube. You can also refresh your memory on the meaning of the mezuzah with our "More Than" YouTube videos. We'll cover a few basics here to tie it together.   “Behold, I stand at the door and knock; if anyone hears My voice and opens the door, I will come in to him and will dine with him, and he with Me…”   Yeshua standing at the door knocking is a huge hint, especially on the heels of John's sobering prophecies of the mark of the beast in Revelation. If we can't see the link to the world commercial system as “Babylon” in Revelation, we're not trying very hard. Revelation begins with memos to the seven assemblies emphasizing their need to “overcome” the tribulations John is about to describe,   • “Behold, I stand at the door and knock; if anyone hears My voice and opens the door, I will come in to him and will dine with him, and he with Me. He who overcomes, I will grant to him to sit down with Me on My throne, as I also overcame and sat down with My Father on His throne. He who has an ear, let him hear what the Spirit says to the churches.” (Re 3:14-21)   We can conclude that how to overcome is described in Revelation, but we can also conclude that an ignorance of the Torah will make our understanding only partial. Revelation is written as an incredibly intricate re-telling of the Torah portions. Without an understanding of those Torah portions, it will be difficult to be identified as one of those who overcome when they “keep the testimony of Yeshua and the commandments of God.”   If Yeshua knocks on the door of one of these potential overcomers, he knocks on a door that is marked by a mezuzah, which contains summaries of the commandments. To pull in the themes of our Salt Covenant study over the last several weeks, a mezuzah is a sign that those inside the house know to be salty within, tenderly and joyfully salting their commandment-keeping. Because they are pliable to the work of the Ruach HaKodesh within the house, they are ready to meet the challenges of the Beast outside the house.   The mezuzah is their reminder that they've committed their coming and going, especially their work and business dealings, to preserving their covenant with the Father with salt, for savory salt is our faith, the tenderness we have toward His Word. It is our desire to draw close to Him through our sacrifices, not begrudgingly or to be admired by others, but to give glory to the Father. Yeshua reminds us that he also wants to draw near to our salty selves, so he stands at the door and knocks.   Just imagine that the mezuzah on your door was Yeshua standing there each day inquiring if he may accompany you in your coming and going.   Because he is. The custom is to touch one's fingers to the mezuzah and kiss the fingers. It demonstrates affection and tenderness toward the Shma and other scriptures in the mezuzah, which remind us in our coming and going Who the only Source of wealth is. The name Shaddai is inscribed on mezuzot, which is the name describing His attribute of nourishment and supply.   By touching the mezuzah, we also are reminded like the Israelites in Deuteronomy Eight: “Otherwise, you may say in your heart, ‘My power and the strength of my hand made me this wealth.' But you shall remember the LORD your God, for it is He who is giving you power to make wealth, that He may confirm His covenant which He swore to your fathers...”   The mezuzah on the door marks the boundary between what happens when we go into the world and how we are inside our homes. If we are at war inside our homes, then how will we war against the principalities and powers outside our homes? The shin on the tefillin reminds the person Who opens the Heavenly windows to drip down zuzim, or coins, transactions, in our lives. Zuz is found in the word mezuzah, but the letter shin is found on both the mezuzah and the prayer tefillin.   Because they are worn in prayer, it helps one to adjust those trade prayers according to Yeshua's model…daily bread…forgiveness…holiness…His will and glory on earth…protection from temptation to sin. Ever notice how many famous actors, musicians, and sports stars end up unhappy, addicted, disconnected from the real world, and just plain weird? We are not spiritually wired to receive the glory of Heaven, only to reflect the glory of Heaven outward with salt. Of course they get weird and depressed!   Our labor and business dealings outside the home must be salted and lit from within first. We must extend ourselves from within, or it will eventually be evident to the world that we did not exert ourselves according to our wealth of salvation and light.nIt is thought that the marks of tzaraat (leprosy) that appeared in a home were a result of greed and stinginess. When the priests removed everything inside to the outside to quarantine and scrape the stones, everyone would see the wealth concealed inside, especially if they'd pretended not to have enough to help the needy brother. The “best third” is where the mezuzah is placed on a door, the upper third, like an upper room. The mezuzah marks the right hand frame of the door about 2/3 of the way up: “Mezuzah guards the Covenant, and so observing the mitzvah of mezuzah leads a person to truth and faith, the faith which is absolutely necessary when conducting business.”    “And I will bring the third part through the fire, Refine them as silver is refined, And test them as gold is tested. They will call on My name, And I will answer them; I will say, ‘They are My people,' And they will say, ‘The LORD is my God.'” (Zec 13:9)   Yeshua invokes this prophecy in Zechariah when he warns the Laodiceans in Revelation Three that he is standing at the door knocking: “Because you say, “I am rich, and have become wealthy, and have need of nothing,” and you do not know that you are wretched and miserable and poor and blind and naked, I advise you to buy from Me gold refined by fire so that you may become rich…”   This is where we see another connection to the mezuzah. Zechariah prophesies of the “third part.” This is thought to be the remnant that will come through the tribulation refined by fire instead of destroyed by it. They have not succumbed to the Beast's commercial activity, buying and selling excessively or on Shabbat (see CG Workbook Four or Workbook Two). Traditionally, the mezuzah is affixed at a pointing on the right side of the door 2/3 of the way up the door. To relate the thirds, the mezuzah is like the principle of the “upper room” we've studied over the last several weeks.    Ancient Israelite houses typically had two levels, a ground level where beasts were stabled and practical household work such as cooking and weaving took place, but the family quarters were on the second floor. An extra upper room had to be built either on the second floor or atop the family quarters, making it an upper third. More simply, an upper room was where the family made space for visitors, a space that wasn't there, yet they created the space through hospitality.   Those upper rooms in Scripture were places associated with hospitality toward the righteous visitor as well as resurrection from the dead, like the stories of Elijah, Elisha, Dorcas, and Eutychus. A mezuzah reminds us not to neglect making those spaces of hospitality for the righteous visitor, who represents hospitality toward Yeshua and the Living Word. Yeshua's noisy knocking on the door is a daily reminder that when we make an “upper room” of hospitality, then we are actually tapping into the Garden of Eden. The resurrections in the upper rooms of Scripture show us this.    On the mezuzah is either the Name Shaddai, or it is in the shorthand of the first Hebrew letter shin. Not so coincidentally, the tefillin that are placed on an Israelite male's forehead and arm are also marked with a shin (see above). The mezuzah and tefillin remind each day:   • Hear, O Israel! The LORD our God, the LORD is one! And you shall love the LORD your God with all your heart and with all your soul and with all your might. And these words, which I am commanding you today, shall be on your heart; and you shall teach them diligently to your sons and shall talk of them when you sit in your house and when you walk by the way and when you lie down and when you rise up. And you shall bind them as a sign on your hand and they shall be as frontals on your forehead. And you shall write them on the doorposts of your house and on your gates. (Dt 6:4-9)    Deuteronomy 8:11-19 reminds Israel not to be deceived when they become comfortable and prosperous in the Land, for their wealth will deceive them into thinking they earned it with their own hand. Remember the gumballs?   The tefillin on the hand and arm are a reminder that it is YHVH alone who gives the power to acquire wealth. Likewise, the mezuzah is marked with a shin for Shaddai, the One who provides sustenance, nourishment to Israel. Strangely, the shin is made of three Hebrew letters vav joined at the bottom. The gematria value of vav is six. 666.    Whaaaaat? Yes, it's the mark of the beast. But that's not the whole story. The mezuzah and tefillin are NOT the mark of the beast. The mark of the beast is when you get very close to being a salt covenant household or person, yet you have something lacking. Salt. Your daily work is not to acquire the wealth of the Kingdom to the glory of the Father, which can only be done through the power of the Ruach HaKodesh moving through the Word in you. The mark of the beast is when our daily work is to acquire the object of desire for our own sake. We can hear the disingenuous, unsalty believer when he says, “If God will just let me win the lottery, I'll build orphanages and feed the poor all over the world.”   And he probably will. But he will do it only in order to feed his own desires first. He's not really seeking first the Kingdom of God and His righteousness. He's pursuing his own kingdom, offering God a deal that the Kingdom of Heaven will benefit from the scraps. Such a person will not give commensurately with his newfound wealth, for he is stingy at heart. Unsavory salt. Tepid. Lukewarm. Blechhhh!   The secret of the 666 is that it is only the letter of the Torah without the Ruach. The shin is like a menorah when the backlight of the Ruach shines through it (again, see Workbooks 2 & 4). Remember last week's lesson on the gumball machine? It was what you couldn't see that had to occur before what you could see. The Ruach precedes the letter of the Torah. Together, with the spiritual backlight through the literal three vavs, it yields seven, the seven- branched menorah. One tefillin has three vavs, but its mate has four! 3 + 4 = 7. Compare to the above: To be unsalty is 666. To be salty is to shine the seven spirits of Adonai described in Isaiah and Revelation:     •  wisdom   •  understanding   •  counsel   •  Spirit of Adonai   •  power   •  knowledge   •  reverence    Yeshua, the Living Word, is the doorkeeper of the overcoming household. We never want to reduce him to someone there to reward us with wealth. The word mezuzah comes from a Hebrew word meaning movement, going back and forth. The historical zuz was a coin, about a day's sustenance for one adult:   • Weight: About 4.26 grams (0.137 troy ounces) of silver. • Value: Historically equivalent to a day's wage or a portion of food/clothing, (e.g., 200 zuz was a year's support).  • Modern value would be about $20.   "Give us today our daily bread." Not the lottery.   Not so coincidentally, a mezuzah means more than movement. It is rooted as well in the movement of a beast: What starts out as a beautiful creation of spirit (upper room), soul and body (lower rooms), can degenerate into the mark of the beast. Instead of letting the Ruach drip into our lower rooms of work and family, the upper room is sealed off because of our stinginess and greed. Esau and Jacob had very different motives in asking for blessings. We can become unsavory, relentless hunters like Esau, the Red One, nicknamed Edom because he was red and hairy all over like a beast, a man of the field who loved hunting. We don't want to become marked by the Red One, never satisfied, even on Shabbat.   “…and he provides that no one will be able to buy or to sell except the one who has the mark, either the name of the beast or the number of his name.” (Re 13:17)   Nehemiah's struggles with those returning to rebuild Jerusalem and the Temple, especially in their continued buying and selling on Shabbat, are the reference point. He eventually had to order the gates of Jerusalem shut and locked to prevent the vendors from coming in with their goods. How glorious will it be when the gates no longer need to be shut, for no one will even entertain the idea of disobeying the King of King's command to rest and be with Him in Jerusalem on Shabbat.   Knock, knock.   In short, the mark of the beast is on one who buys and sells on Shabbat. Because there is no trust in Adonai to provide the many things we crave, we continue to work on His holy day. Someone who believes in God may have salt, but it is not savory. One who believes in God enough to do what He says is savory salt. Salt allows us to draw near the upper room of the Garden. I'm sure Yeshua is having wonderful conversations with the righteous souls of those who just didn't understand Shabbat, but they were faithful in what they knew. They are learning while they wait, not rebelling.   Ezekiel describes what went wrong in the “upper room” of the Garden of Eden, a hospitable place for those who want to draw near to the voice of Elohim, but a place from which rebels are purged. The “trader” was cast out of the heavenly fiery stones and tossed into the lower realms of strange, profane fire, that is, fire used by those estranged from the upper room fires of the Ruach above:   You were in Eden, the garden of God; Every precious stone was your covering: The sardius, topaz, and diamond, beryl, onyx, and jasper, Sapphire, turquoise, and emerald with gold. The workmanship of your timbrels and pipes Was prepared for you on the day you were created. You were the anointed cherub who covers; I established you; You were on the holy mountain of God; You walked back and forth in the midst of fiery stones. You were perfect in your ways from the day you were created, Till iniquity was found in you. By the abundance of your trading You became filled with violence within, and you sinned; Therefore I cast you as a profane thing out of the mountain of God; And I destroyed you, O covering cherub, from the midst of the fiery stones. (Eze 28:13-16; 18)   Ezekiel 28 drops a hint to where we should be vigilant: “By the abundance of your trading [H7404 rekula] you became filled with violence within, and you sinned...”   ????? rawkal' [H7402] to travel for trading   Our trade is part of work for our living, yet, the abundance is the danger zone. If our inner fire craves more wealth than we are willing to give back to Heaven commensurately, our going back and forth, zuzing about, to trade our time and effort for goods, power, and esteem becomes idolatry. In Hebrew, moving back and forth is zuz [zuz is also a coin], the root of mezuzah. The mezuzah marks the door where we travel back and forth each day to obtain our portion of wealth.   When our pursuit of wages and wealth pushes the testimony of Yeshua and the commandments of God beneath our feet instead of allowing them to drip daily from the upper room of the resurrection Ruach that raised Messiah from the dead, we sin. Our house's upper room should be designed to drip to lower floors of daily living, or we become unsavory salt.   We trade our precious lives, our time, our effort, to accumulate an abundance of things, not necessarily money, but what money will purchase: entertainment, security, comfort, esteem, power, knowledge, appeasement, etc. These things deceive us into believing they will bring joy and peace, but we know it's a lie because they never do. They are simply offered to the strange, consuming fire of the soul, but are not refinement of the spirit, which is everlasting peace and joy. It brings savory salt, light, and contentment from within.    The ancient investment advice is:   • Invest 1/3 of your income in tangible property such as real estate, durable goods, secure long-term investments  • Invest 1/3 in your daily labor, your paycheck, investments that provide a faster return, a little riskier, easily liquidated • Invest 1/3 above the mezuzah in the Kingdom of Heaven by lending to the poor, giving to needy, investing time in spiritual causes along with Torah study, prayer, service, discussing Scripture with others, etc. Even kindness is an investment!   We should not become “stingy” with Heavenly principles in the world of work, which would reflect a home's lower rooms sealed off from the upper room. The upper room should drip the testimony of Yeshua and the noisy commandments of God through the power of the resurrection Ruach. It leaks into the lower rooms of family and work!   The leaky roof is what we need to carry into the world of work and business as well as our relationships. An outwardly successful business producing wealth that can only be spent before the resurrection of the dead is not successful at all.    Preparation in the home under the disciplines of the Ruach HaKodesh will be evident in the place of business, not as a pile of 666 cash, but as peace in drawing near the Father, salt. The physical work is simply a means of building the Kingdom instead of demanding that the Father bless our work to build our own kingdoms of security, esteem, attention, comfort, intellectual stimulation, etc. Whether we have little or many zuzim, all we need to remember is that we must give commensurately with the wealth the Father drips down upon us.    If we can be responsible even with earthly money, which has no righteousness within itself, then we can be responsible with Heavenly riches.   If we can't be trusted to give commensurately with our wealth when there is no Temple service, and much freedom is granted in when and how much we give, then how can the Father trust us with His riches when the Temple on “the mountain of God” descends? The Temple services and the Land of Israel are places of extreme exactness in managing work and wealth.   Manage earthly zuzim faithfully, and we will inherit the Heavenly riches to manage.    One of my favorite movies is about a Quaker family, from the book Friendly Persuasion. One of the funniest lines is, “Friend, thee's got a squeaky door upstairs.”    Friend, thee's got a squeaky door downstairs, too. Yeshua is knocking, reminding, inquiring, requesting if we will open to his voice. It is the same voice of Elohim that walked and talked in the Garden, an upper room.   When we open our doors to him, we release the water of the Word from our upper rooms and let it fill our homes, workplaces, and relationships. If we move about, may we zuz for the glory of the Father.    Please SUBSCRIBE to our newsletter to get new teachings.

Clarita Villanueva was orphaned before she was teenager. With no one to care for her, Clarita began living on the streets of Manila, dancing for money and prostituting herself to degenerates. But things were about to get even worse for the poor girl… demonically worse. IN THIS EPISODE: It's been said that the average person walks past at least sixteen murderers in their lifetime. A chilling thought. But when you know that a serial killer is on the loose, you look at each stranger you meet as a potentially dangerous encounter. And right now in the UK they have a serial killer still at large targeting easy victims… the country's elderly. (UK's Senior Citizen Serial Killer) *** While the Spiritualism Movement caught fire in the 1840's with the Fox Sisters and stayed fairly strong for some time, after the 1920s most of the teachings and those soaking it in began to dwindle. Strangely though, there seems to be a kind of resurging interest in one particular man's writings here in the 21st century. Many are intrigued by the “secret teachings” of Manly P. Hall. (The Secret Teachings of Manly P. Hall) *** In May, 1987, Kenneth Parks walked into a police station and confessed, “I just killed two people; I've just killed my mother‑ and father‑in‑law.  I stabbed and beat them to death.  It's all my fault." Case closed, right? Well no… because it appears he might've been sleepwalking when he committed the murders. (The Sleepwalker Defense) *** When the body of Elva Shue was found next to her bed, it was assumed to be an accident. But her spirit refused to rest until someone investigated further. Her ghost was crying murder. (The Ghost That Solved a Murder) *** Clarita Villanueva was orphaned before she was teenager. With no one to care for her, Clarita began living on the streets of Manila, dancing for money and prostituting herself to degenerates. But things were about to get even worse for the poor girl… demonically worse. (The Girl Bitten By Devils) CHAPTERS & TIME STAMPS (All Times Approximate)…00:00:00.000 = Show Open00:02:33.534 = The Girl Bitten By Devils00:15:34.375 = ***UK's Senior Citizen Serial Killer00:25:00.892 = Secret Teachings of Manly P. Hall00:37:27.100 = ***The Sleepwalker Defense00:45:32.235 = The Ghost That Solved a Murder00:49:33.781 = Show Close*** = Begins immediately after inserted ad breakSOURCES and RESOURCES:“The Girl Bitten By Devils” by Brent Swancer for Mysterious Universe: https://weirddarkness.tiny.us/4n7nmhvbBOOK: “The True Story of Clarita Villanueva” by Les Sumrall: https://amzn.to/3QKDzx4BOOK” Stranger Than Science” by Frank Edwards: https://amzn.to/3AcNiVH“UK's Senior Citizen Serial Killer” from LollyTrue Crime for Mystery Confidential: https://tinyurl.com/y4q5u9ga“The Secret Teachings of Manly P. Hall” by Mitch Horowitz for New Dawn Magazine: https://weirddarkness.tiny.us/4bfj8e5j“The Ghost That Solved a Murder” by Doug MacGowan for Paranorms.com: https://weirddarkness.tiny.us/ever42yx“The Sleepwalker Defense” by Romeo Vitelli for Providentia: https://weirddarkness.tiny.us/76fdt49e=====(Over time links may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)= = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = =WeirdDarkness® is a registered trademark. Copyright ©2025, Weird Darkness.=====Originally aired: February 23, 2021EPISODE PAGE (includes sources): https://weirddarkness.com/DevilsBiteGirlABOUT WEIRD DARKNESS: Weird Darkness is a true crime and paranormal podcast narrated by professional award-winning voice actor, Darren Marlar. Seven days per week, Weird Darkness focuses on all thing strange and macabre such as haunted locations, unsolved mysteries, true ghost stories, supernatural manifestations, urban legends, unsolved or cold case murders, conspiracy theories, and more. On Thursdays, this scary stories podcast features horror fiction along with the occasional creepypasta. Weird Darkness has been named one of the “Best 20 Storytellers in Podcasting” by Podcast Business Journal. Listeners have described the show as a cross between “Coast to Coast” with Art Bell, “The Twilight Zone” with Rod Serling, “Unsolved Mysteries” with Robert Stack, and “In Search Of” with Leonard Nimoy.DISCLAIMER: Ads heard during the podcast that are not in my voice are placed by third party agencies outside of my control and should not imply an endorsement by Weird Darkness or myself. *** Stories and content in Weird Darkness can be disturbing for some listeners and intended for mature audiences only. Parental discretion is strongly advised.#WeirdDarkness #DemonicPossession #ParanormalHistory #TrueParanormal #PhilippinesMystery #UnexplainedMysteries #PossessionCase #SupernaturalStories #HauntedPrison #TrueSupernatural