Podcasts about stricter

Hosts: Rob Chappell, Stephanie Díaz de León, and Omar Waheed Guest: Nate Buescher, UW–Madison freshman and star of Disney Channel's Electric Bloom Runtime: 53:38 On this week's podcast, we catch up on a range of news stories from the week, and get acquainted with a new neighbor who's a rising Disney star.

Are the BC Conservatives imploding? So many questions are still lingering about John Rustad's future as leader of the party. The federal government is tabling legislation for stricter bail and sentencing. Will it make a difference? The current state of Vancouver's changing food scene. Learn more about your ad choices. Visit megaphone.fm/adchoices

Should return policy be stricter to prevent return abuse?  

In this episode, we dive deep into Nigeria's fast-evolving Fintech scene — where innovation meets regulation. Our spotlight today is on Winpay, a rising digital platform that's making bill payments, airtime top-ups, and data purchases easier for everyday Nigerians. But that's just half the story.We're also unpacking the regulatory shifts shaping the future of Fintech in Nigeria — from new policies by the Central Bank of Nigeria (CBN) and the Securities and Exchange Commission (SEC) to bold frameworks like the CBN Regulatory Sandbox, which is opening doors for startups to safely test financial innovations.If you've ever wondered how emerging platforms like Winpay are navigating this new regulatory wave — or what the latest CBN and SEC reforms mean for entrepreneurs, investors, and users — this episode is your guide.Stay tuned as we explore the technology, policies, and opportunities defining Nigeria's digital finance revolution — right here on the Fruitfulujah Podcast, where innovation meets insight.

Stricter laws against demonstrators, a major counterterrorism operation in Adjara, the Public Defender's dispute with a gym, the Prime Minister's refusal to meet an OSCE delegation, the discovery of a Georgian King's ancient tomb, and much more! Thanks for tuning in!Let us know what you think and what we can improve on by emailing us at info@rorshok.com You can also contact us through Instagram @rorshok_georgia or Twitter @RorshokGeorgiaLike what you hear? Subscribe, share, and tell your buds.Attack on Polish citizens: https://www.facebook.com/watch/?v=1497817941301133We want to get to know you! Please fill in this mini-survey: https://forms.gle/NV3h5jN13cRDp2r66Wanna avoid ads and help us financially? Follow the link: https://bit.ly/rorshok-donate

Speaker of the house Gerry Brownlee has signalled a crack down and wants to change the rules around attendance, dress standards and leave. He said he will make greater use of punishments to ensure respect is shown to members and the house. Former senior National government Minister, attorney general and chair of the privileges committee, Chris Finlayson spoke to Lisa Owen.

Political shifts might have set back the energy transition, but large investors are betting that renewables are at the future of energy. In other news, the CMA has designated Google as having "strategic market status" in the search and search advertising markets, which means the company has such "a substantial and entrenched" position that it requires special regulations to ensure fair competition. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In today's episode of iGaming Daily, SBC Media Manager Fernando Noodt is joined by SBC Noticias Editor Lucía Gando and SBC Noticias Business Journalist Damian Martinez as the trio discuss the latest updates from Spain's Directorate General of Gambling (DGOJ) and its new plans for enhanced player protection and monitoring controls.Tune in to today's episode to find out:What the DGOJ's new player protection and monitoring plans involveHow the industry has reacted to the proposed measuresWhether stricter rules could push players towards unregulated marketsWhy a lack of iGaming education among teenagers is raising concernHow Spain's regulatory approach might influence developments across Latin America, particularly in ArgentinaHost: Fernando NoodtGuests: Lucía Gando & Damian MartinezProducer: Anaya McDonaldEditor:  Anaya McDonaldSecure your spot to join Optimove for an exclusive sweepstakes industry breakfast at G2E on October 7th in Las Vegas! Network with industry leaders and gain key insights while enjoying great conversation. Click HereiGaming Daily is also now on TikTok. Make sure to follow us at iGaming Daily Podcast (@igaming_daily_podcast) | TikTok for bite-size clips from your favourite podcast.Finally, remember to check out Optimove at https://hubs.la/Q02gLC5L0 or go to Optimove.com/sbc to get your first month free when buying the industry's leading customer-loyalty service.

In this episode of iGaming Daily, we delve into gambling advertising restrictions sweeping across multiple jurisdictions. Join host Fernando Noodt, Ted Menmuir, Editor-at-Large for SBC, and Lucía Gando, SBC Noticias Editor, as they analyse the latest regulatory developments in Portugal, Argentina, and Chile.In Portugal, Parliament has unexpectedly reopened discussions on stricter gambling advertising controls, prompted by a proposal from the left-wing Livre party. Across the Atlantic in Argentina, the Senate is debating a federal bill aimed at tackling problem gambling. A key and controversial point of this bill is a proposed blanket ban on gambling advertising in sports. Finally, we move to Chile, where the Supreme Court has ordered internet service providers to block unlicensed iGaming companies. Host: Fernando NoodtGuests: Ted Menmuir & Lucía GandoProducer: James RossEditor: James RossSecure your spot to join Optimove for an exclusive sweepstakes industry breakfast at G2E on October 7th in Las Vegas! Network with industry leaders and gain key insights while enjoying great conversation. Click HereiGaming Daily is also now on TikTok. Make sure to follow us at iGaming Daily Podcast (@igaming_daily_podcast) | TikTok for bite-size clips from your favourite podcast.Finally, remember to check out Optimove at https://hubs.la/Q02gLC5L0 or go to Optimove.com/sbc to get your first month free when buying the industry's leading customer-loyalty service.

HEADLINES:• Stricter Attendance Rules For Abu Dhabi Schools• Dubai Motorist Fined Dh15,000 For Drunk Driving Crash• Sharjah Police Crack Down: 100 Modified Cars & 40 Motorcycles Seized• A Dubai Mum Realizes She's Going To Spend AED980,000 On School Fees• Dubai Rising Star: Margaux Shines on The Voice Kids France

From space to the sea, and deep into history—this week's stories span it all.  An Air Force test pilot has been chosen to command a year-long Mars simulation mission (02:59), while President Trump says U.S. forces have sunk a third suspected drug boat off Venezuela (14:16). The Army tightens grooming standards and hairstyles under new orders, sparking debate among soldiers (19:19). We also rewind to the Battle of Glorieta Pass in 1862, often called the “Gettysburg of the West” (29:09) and dive into Operation Ivy Bells, the top-secret submarine mission that ran from 1970 to 1981 (35:16). A mix of modern headlines, battlefield history, and Cold War secrets—don't miss it! https://lateforchangeover.com/

Central Coast State Sen. John Laird's bill requiring more robust emergency action plans and fire hazard inspections for battery energy storage systems is headed to Governor Gavin Newsom's desk. And, water pumps and sprinklers have kept giant sequoias within the Sierra National Forest safe from the ongoing Garnet Fire.

Zain Johnson speaks to Sihle Magubane, Secretary General of the South African Scholar Transporters Association, about learner transport safety across South Africa exploring recent accidents, regulatory standards, and what steps are needed to protect children on their way to school. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBU Listen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3N Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - Some Cochise County schools are seeing surprising benefits from stricter cell phone rules — including fewer vaping incidents and more face-to-face conversations.Support the show: https://www.myheraldreview.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

Guests: Star reporters Amy Dempsey Raven and Megan Ogilvie A new Ontario law was meant to protect vulnerable children in care, but it may be deepening the very crisis it set out to solve. The province has expanded police background checks for people working or volunteering in the child welfare system. But under the new rules, it is not just criminal records that show up. Any documented interaction with police, including traffic stops, noise complaints or mental health calls, could be flagged.Experts warn this opens the door to discrimination and bias, especially for racialized and marginalized communities who face disproportionate police contact. Meanwhile, child welfare agencies say the rollout has been chaotic, delaying adoptions and disrupting foster placements at a time when the system is already under strain. This episode was produced by Sean Pattendon and Paulo Marques. 

We're busting a big ol' classroom management myth in this episode: that being kind, compassionate, and empathetic means you're “too soft” to manage behaviour effectively.Because I'm seeing it everywhere right now - especially from all the beautiful new teachers joining me inside The Behaviour Club - this feeling of, “Am I doing it wrong?” “Am I too nice?” “Do I need to start being strict to be taken seriously?”Short answer? No.Longer answer? Let's talk about it.This episode is a riffed, unfiltered reminder that you don't need to ditch your warmth or change your personality to be respected in the classroom. And if you're walking into class bracing for impact, because the last thing that worked was yelling or snapping, you need to hear this one.I'm giving you a front seat to my own story from when I started teaching (and was 3 years older than some of my students

Listen to #Pulse95Radio in the UAE by tuning in on your radio (95.00 FM) or online on our website: www.pulse95radio.com ************************ Follow us on Social. www.instagram.com/pulse95radio www.facebook.com/pulse95radio www.twitter.com/pulse95radio

Opening Reflections and California Concerns The AgNet News Hour began with hosts Nick Papagni and Lorrie Boyer sharing lighthearted Friday greetings before shifting to California's serious agricultural challenges. Papagni noted worsening Central Valley air quality caused by wildfires, likening the smoke to winter fog. He warned that tensions between state and federal governments over forest management may intensify as fall approaches. Boyer added that federal intervention could even extend to California's 2028 Olympic preparations. Policy Spotlight: Mexican Wolf Debate Boyer reported on a House Natural Resources Subcommittee hearing on the Enhancing Safety for Animals Act of 2025. The legislation would delist the Mexican wolf from the Endangered Species Act, a move supported by the National Cattlemen's Beef Association, the Arizona and New Mexico Cattle Growers Associations, and the Public Lands Council. Tom Patterson, President-elect of the New Mexico Cattle Growers Association, testified that wolf populations have shifted from a livestock concern to a community safety threat, citing attacks on pets, horses, and even children. In regulatory news, the EPA declined stricter wastewater rules for meat and poultry processors, concluding that current Clean Water Act requirements suffice. The National Chicken Council applauded this decision as a balanced approach to water quality regulation. Immigration Reform and the Dignity Act The program's central feature was an interview with Manuel Cunha, President of the Nisei Farmers League, who addressed farm labor shortages and immigration policy. He highlighted the bipartisan Dignity Act (H.R. 4393), introduced by Rep. María Elvira Salazar (R-FL) and Rep. Veronica Escobar (D-TX), as the most promising reform since the early 2000s. The Act includes a three-pronged approach: Long-Term Residents – renewable work authorization cards with penalties for undocumented status. Legal Pathways for New Workers – stronger background checks and legal entry channels. Criminal Entrants – removal of individuals linked to crime or gang activity. Cunha emphasized that the Act also provides protections for Dreamers and addresses Social Security benefits for long-term contributors who have paid into the system for decades. Coyotes, Fear, and Fake Documents Cunha warned about coyotes—human smugglers who charge up to $15,000 per person and often supply migrants with fraudulent documents. Workers fall into debt while employers unknowingly hire with false credentials. He called the system a “disaster” and urged growers to pressure congressional leaders like David Valadao, Jim Costa, Jimmy Panetta, and Vince Fong to support the Dignity Act. Despite federal assurances, many farmworkers still live in daily fear of deportation. Some alter their appearance to avoid suspicion, while enforcement remains concentrated in large metropolitan sanctuary cities. Farm Labor: Hard Work Few Will Do Papagni stressed that farm labor is not unskilled work, pointing to strawberry, lettuce, melon, and table grape harvesting as examples requiring years of expertise. Cunha agreed, noting that domestic welfare recipients are unlikely to take on such demanding jobs—something proven during the 1996–1998 Welfare to Work Program. With many long-time workers nearing retirement and fewer young people entering agriculture, Cunha pressed for a comprehensive guest worker program. A Call to Action Cunha's message to farmers and ag communities was clear: contact your congressional representatives and urge support for the Dignity Act. He highlighted Vince Fong as a key California lawmaker yet to sign on. If passed, the bill would initiate a five- to six-month rule-writing process, during which workers would receive documentation verifying employment, providing immediate protection while regulations are finalized. Farm Income and Market Updates According to the U.S. Economic Research Service (ERS): Net farm income in 2025 is projected at $179.5 billion, up 40.7% from 2024—the second-highest on record. Median farm household income, however, is projected to decline by $1,189 in 2025, reflecting weaker off-farm earnings. Government payments are forecast at $40.5 billion, the highest since 2020. The dairy sector is also strengthening, with exports reaching 18.7% of domestic production in June—the highest since 2022. Domestic yogurt consumption rose 12.2%, while overall use of milk solids grew 3%. Competitiveness and Global Pressures Papagni noted the difficulty of competing with countries paying $10–20 per day compared to California's $16 per hour wages, combined with stricter U.S. regulations. Boyer emphasized that despite higher costs, U.S. agriculture provides the world's safest and most affordable food supply, thanks largely to immigrant labor. Citrus Greening and Global Potato Trends Rick Dantzler of the Citrus Research and Development Foundation reported promising progress in the fight against citrus greening disease. Oxytetracycline trunk injections are showing strong results, with healthier canopies and improved fruit quality, though production costs rose 7%. Meanwhile, the global frozen potato market has shifted dramatically. Between 2019 and 2024, China and India moved from net importers to exporters of frozen fries and processed potato products, expanding markets into Asia and the Middle East. Criminal Provisions in the Dignity Act The legislation also strengthens criminal enforcement, including: Tougher penalties for illegal re-entry after multiple deportations. DNA testing to confirm family ties. Stricter penalties for voting by non-citizens. Increased minimum penalties for child sex trafficking. Boyer linked these provisions directly to combating coyote networks and broader exploitation. Wrapping Up The episode closed with Papagni and Boyer urging farmers to engage in the policy debate, follow updates at AgNetWest.com, and recognize that immigration reform is essential to keeping U.S. agriculture competitive and sustainable.

The latest episode of Parsing Immigration Policy features Elizabeth Jacobs, Director of Regulatory Affairs and Policy at the Center for Immigration Studies, discussing USCIS's updated guidance on discretion in immigration benefits.Key Points:Beyond “Not a Criminal”: New USCIS policy updates require officers to engage in a more holistic analysis of whether naturalization applicants demonstrate “good moral character,” a requirement for naturalization that has been a part of U.S. immigration law since the beginning. In addition, the agency is now asking officers to consider any anti-American, antisemetic, or terrorist activity as “overwhelmingly negative” factors when evaluating whether an applicant warrants a positive grant of discretion.Discretionary Benefits: Many immigration benefits under the INA — including asylum, national interest waivers under EB-2, and naturalization — are discretionary. Even if eligibility requirements are met, USCIS officers may deny them.Good Moral Character Assessments:Traditionally treated as a checklist; now assessed holistically.Focuses on demonstrating positive attributes and rehabilitation, not just the absence of misconduct.Negative Factors for Discretionary Denials: Officers are instructed to treat support for anti-American ideologies, antisemitism, and terrorism as “overwhelmingly negative factors” when exercising discretion on discretionary immigration benefit requests.Expanded Use of Vetting Tools:Increased use of social media screening, fraud detection, and neighborhood/personal investigations.Previous policies often waived these investigations; the update clarifies they are a standard part of discretion.Balancing Efficiency and Vetting: With millions of applications annually, USCIS must balance rigorous vetting with timely processing. The agency is shifting culture to prioritize serving the American people, not just applicants.Cultural Shift: USCIS is shifting emphasis from serving as a “service agency” to serving as a vetting agency, using the discretion granted by Congress to protect national security and uphold American values — a departure from prior policies favoring mass approvals.Immigration Newsmaker Interview: USCIS Director Joe Edlow will be featured today in an Immigration Newsmaker conversation hosted by CIS at the National Press Club. The video will be available at cis.org.Host Mark Krikorian is the Executive Director of the Center for Immigration Studies.GuestElizabeth Jacobs is the Director of Regulatory Affairs and Policy at the Center for Immigration Studies.RelatedUSCIS to Consider Anti-Americanism, Antisemitism, and Terrorist Activity When Adjudicating Certain Immigration Benefit RequestsCIS National Security Vetting Failures DatabaseIntro MontageVoices in the opening montage:Sen. Barack Obama at a 2005 press conference.Sen. John McCain in a 2010 election ad.President Lyndon Johnson, upon signing the 1965 Immigration Act.Booker T. Washington, reading in 1908 from his 1895 Atlanta Exposition speech.Laraine Newman as a "Conehead" on SNL in 1977.Hillary Clinton in a 2003 radio interview.Cesar Chavez in a 1974 interview.House Speaker Nancy Pelosi speaking to reporters in 2019.Prof. George Borjas in a 2016 C-SPAN appearance.Sen. Jeff Sessions in 2008 comments on the Senate floor.Candidate Trump in 2015 campaign speech.Charlton Heston in "Planet of the Apes".

The parents of a 16-year-old boy who died drunk driving are pleading with the government to strengthen laws to stop sales to minors. Guyon Espiner reports.

The parents of a 16-year-old boy who died while driving drunk want tougher laws to stop sales to minors, after learning he was served alcohol multiple times including when visibly drunk. Lawyer and Secretary of Communities Against Alcohol Harm Dr Grant Hewison spoke to Ingrid Hipkiss.

Australia's introducing stricter measures across its childcare centres in efforts to better protect young children. CCTV cameras will be trialled at more than 300 centres - with work also commencing to develop a national register of childcare workers. It follows child sexual abuse allegations surfacing against one Victoria worker. Australia correspondent Oli Peterson told Heather du Plessis-Allan that some states have already banned personal mobile phones in centres. He says you've got to give the state and federal governments credit here for reacting to the situation and trying to beef up regulations as quickly as they could. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Highlights from Talkback. John Campbell and guests discuss the news headlines.

Will the stock market crash? With the market continuing to march higher and setting record high after record high, I do worry more and more that a crash could be coming. It doesn't mean it will happen tomorrow, next week, or maybe even this year, but I do believe the risk to reward of investing in the S&P 500 at this point is not favorable when you take all the data into consideration. I have talked a lot about the fact that the top 10 companies now account for nearly 40% of the entire index and the forward P/E multiple of around 22x is well above the 30-year average of 17x, but there are also less discussed factors that are quite concerning. There is something called the Buffett Indicator that looks at the total US stock market value compared to US GDP. Buffet even made the claim at one point that this was “the best single measure of where valuations stand at any given moment." The problem here is that it now exceeds 200%, which is a historic high and well above even the tech boom when it peaked around 150%. Another concerning measure is the Shiller PE ratio, which looks at the average inflation-adjusted earnings from the previous 10 years in relation to the current price of the index. This is now at a multiple around 39x, which is well above the 30-year average of 28.3 and at a level that was only seen during the tech boom. While valuation isn't always the best indicator for what will happen in the next year, it has proven to be a successful tool for long term investing. Unfortunately, valuations aren't my only concern. Margin expansion is even more frightening as the reliance on debt can derail investors. Margin allows investors to buy stocks with debt, but the big problem is if there is a decline and a margin call comes the investor would either have to add more cash or make sells, which causes a further decline in the stock due to added selling pressure. Margin debt has now topped $1 trillion, which is a record, and it has grown very quickly considering there was an 18% increase in margin usage from April to June. This was one of the fastest two month increases on record and rivals the 24.6% increase in December 1999 and the 20.3% increase in May 2007. In case you forgot, both of the periods that followed did not end well for investors. Looking at margin as a share of GDP, it is now higher than during the dot-com bubble and near the all-time high that was reached in 2021. One other concern with the margin level is it does not include securities-based loans, which is another tool that leverages stock positions and if there is a decline could cause added selling pressure. Unfortunately, this data is not as easy to find since they are lumped in with consumer credit. The most recent estimate I could find was in Q1 2024, they totaled $138 billion and with the risk on mentality that has occurred, my assumption is the total would be even higher now. We have to remember that we now are essentially 18 years into a market that has always had a buy the dip mentality. Even pullbacks that occurred in 2020 and 2022 saw rebounds take place quite quickly. This has created a generation of investors that have not actually experienced a difficult market. I always encourage people to study the tech boom and bust as it was devastating for investors. The S&P 500 fell 49% in the fallout from the dotcom bubble and it took about 7 years to recover. Investors in the Nasdaq fared even worse as they saw a 79% drop and it took 15 years to get back to those record levels. Unfortunately, this isn't the only historical period that saw difficult returns. If you look back to the start of 1964, the Dow was at 874 and by the end of 1981 it gained just one point to 875. This was an extremely difficult period that saw Vietnam War spending, stagflation, and oil shocks, but it again illustrates that difficult markets with little to no advancement can occur. So, with all of this, how are we investing at this time? We are maintaining our value approach, which generally holds up much better in difficult markets. For comparison, the Russell 1000 Value index was actually up 7% in 2000 while the Russell 1000 Growth index fell 22.4% that year. We are also maintaining our highest cash position around 25% since at least 2007.  I continue to believe there are opportunities for investors, it just requires discipline and patience. One other person remaining patient at this time is Warren Buffett. Berkshire now has near a record cash hoard of $344.1 billion and the conglomerate has been a net seller of stocks for the 11th quarter in a row. I'd rather follow people like Buffett at times like this over the Meme traders that have become popular once again.   Consumers are doing a better job managing their credit card debt  Data released by Truist Bank analysts show that card holders of both higher and lower scores are doing a better job paying their bills on time. This is based on a drop in the rate of late payments from last quarter. Also improving is debt servicing payments as a percent of consumers disposable personal income. The first quarter shows debt-servicing payments were roughly 11% of disposable income, which is a strong ratio to see considering that level is below what was typical before the start of 2020 and it's far below the 15%-plus levels that were seen leading up to the Great Recession in 2008. According to Fed data, card loan growth was only 3% year over a year, which could be due to lenders increasing their credit standards. Stricter standards also made it more difficult for subprime borrowers to obtain new credit cards considering the fact that as a share of new card accounts, this category accounted for just 16% of all new accounts. This was down roughly 7% from the last quarter in 2022 when it was 23%. Consumers may also be more aware of the high interest costs considering rates stood at 22% as of May. There has been a decrease in rates from the peak last year, but Fed data reveals before interest rates began rising in 2022 interest rates stood at 16% for card accounts. If the Fed were to drop rates a couple of times between now and the end of the year, we could see a small decline in the rate. With that said borrowing money on a credit card and accruing interest is a terrible idea as even a 16% rate would not be worth it!    Real estate investors may be supporting the real estate market. This may sound like a good thing, but this could be dangerous long-term since investors don't live at the property. It would be far easier for them to default on the mortgage and let the house go into foreclosure or sell at a price well below market value just to get their investment back. So far in 2025 investors have accounted for roughly 30% of sales of both existing and newly built homes, which is the highest share on record. This is according to property analytics firm Cotality and they started tracking the sales 14 years ago. Most of these investors were small investors, who own fewer than 100 homes as they accounted for roughly 25% of all purchases. This compares to large investors which accounted for only 5% of purchases of new and existing homes. Within the small investor space, the stronger category is those with just 3-9 properties as this group has accounted for between 14 and 15% of all sales each month this year. The data also shows that the large investors like Invitation Homes and Progress Residential have become net sellers in the market and are selling more properties than they are buying. This is likely due to reduced rents from the high competition in the rental market and a softening of the overall real estate market in certain areas that has not provided the expected return that they wanted. I do worry that the small investor here has less access to good data and is less disciplined with their investment strategy. They are likely buying homes because real estate has been a good investment for the last several years, but if the market were to turn, they would be more likely to panic and sell and they may not have the means to continue holding the real estate. I do believe if interest rates remain, housing prices could remain stable or perhaps even drop a little bit. It's important to remember long term mortgage rates generally stem from longer term debt instruments like a 10-year Treasury, rather than the short-term discount rate set by the Fed.   Financial Planning: When and How a Refinance is Helpful After several years of elevated mortgage rates, steady declines have made more homeowners candidates for refinancing, but a smart decision requires looking beyond the headline interest rate. The first question is whether the refinance actually reduces the rate, and if so, what third-party closing costs and discount points are involved. Every mortgage carries these costs, and paying points may not make sense if rates are expected to fall further and another refinance could be on the horizon, especially since few 30-year mortgages last their full term before a sale or another refi. The structure of the new loan also matters: should costs be paid upfront or rolled into the loan balance, and how long will the loan likely be kept? The real goal is to borrow at the lowest overall cost over the life of the loan, factoring in both the rate and the cost to obtain it. A lower rate and payment may feel like a win, but without careful structuring, it may not be the most cost-effective move, something mortgage brokers often overlook when focusing solely on rate reduction. Here's a real example from just last week. A homeowner with a $580,000 mortgage at 6.875% and a $3,900 monthly payment has the opportunity to refinance to 5.5%, lowering the payment to $3,500 with no additional cash due at closing, and saving roughly $80,000 in total interest over the life of the loan. At first glance, this looks like a no-brainer. However, this structure would only be ideal if the homeowner never had another chance to refinance, which is unlikely given their current rate of 6.875%. In this case, all costs were rolled into a new loan balance of $616,000—an increase of $36,000—explaining why no cash was required at closing. A better approach might be to refinance to a rate only slightly lower than 6.875%, still reducing both the monthly payment and lifetime interest, but without dramatically increasing the loan balance by rolling in discount point costs. Refinances can continue as long as rates are expected to decline, and the best time to pay points is in a “final” refinance when rates are no longer expected to drop so the benefit can be locked in for the long term.   Companies Discussed: Carrier Global Corporation (CARR), Polaris Inc. (PII) & Align Technology, Inc. (ALGN)

The final biometrics code, which governs how technology such as facial recognition, is collected and used, has just been released by the Office of the Privacy Commissioner. 

Amy Bradley is Missing https://www.out.com/gay-tv-shows/amy-bradley-netflixhttps://www.netflix.com/title/81741332Pauline Menczer https://qnews.com.au/lesbian-surf-champ-pauline-menczer-to-get-statue-at-bondi/World's strictest lesbian parents This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.thelesbianprojectpod.com/subscribe

A round-up of the main headlines in Sweden on July 29th, 2025. You can hear more reports on our homepage www.radiosweden.se, or in the app Sveriges Radio. Presenter and producer: Michael Walsh

A new federal law is making major cuts to SNAP, the program that helps more than 1.8 million New Yorkers afford groceries. WNYC's Karen Yi reports on how the changes could strip benefits from older adults, low income workers, and others, while shrinking support for hundreds of thousands more.

Story at-a-glance Residents within a mile of golf courses have 126% higher chance of developing Parkinson's disease compared to those living farther away Golf course chemicals infiltrate groundwater supplies and drift through the air, creating multiple exposure pathways for nearby residents Stricter pesticide regulations in Europe result in dramatically lower chemical hazard scores compared to American golf courses, especially in southern states Dense residential areas near golf courses lack natural barriers, concentrating airborne pesticides and increasing your vulnerability to chemical exposure Regular exercise helps eliminate accumulated pesticides, while water filtration and air purifiers reduce ongoing chemical exposure at home

Morse code transcription: vvv vvv Relentless immigration raids are changing Californias way of life Unique ice, 1.5m year old, to be melted to unlock mystery The Salt Path Trusting Raynor Winn was our biggest mistake Doctor and husband jailed for selling stolen hospital PPE on eBay Serious water pollution in England up 60 , government says Germanys Merz admits Europe was free riding on the US Ukraine launches new points for killing Russians scheme UK weather Met Office issues amber warning for thunderstorms and flooding Officers attacked at Epping asylum hotel protest, police say Buy now, pay later Stricter checks will block some shoppers

Morse code transcription: vvv vvv Relentless immigration raids are changing Californias way of life Doctor and husband jailed for selling stolen hospital PPE on eBay Officers attacked at Epping asylum hotel protest, police say Ukraine launches new points for killing Russians scheme The Salt Path Trusting Raynor Winn was our biggest mistake Serious water pollution in England up 60 , government says Buy now, pay later Stricter checks will block some shoppers Unique ice, 1.5m year old, to be melted to unlock mystery Germanys Merz admits Europe was free riding on the US UK weather Met Office issues amber warning for thunderstorms and flooding

Morse code transcription: vvv vvv UK weather Met Office issues amber warning for thunderstorms and flooding Buy now, pay later Stricter checks will block some shoppers Serious water pollution in England up 60 , government says Ukraine launches new points for killing Russians scheme Unique ice, 1.5m year old, to be melted to unlock mystery Germanys Merz admits Europe was free riding on the US Relentless immigration raids are changing Californias way of life Doctor and husband jailed for selling stolen hospital PPE on eBay The Salt Path Trusting Raynor Winn was our biggest mistake Officers attacked at Epping asylum hotel protest, police say

U.S. Secretary of Education Linda McMahon praised Indiana as a national model for school choice and affordability during a visit to Purdue University. Marion County public schools scored generally lower than the state average in this year's state exam, the ILEARN. The safety of downtown Indianapolis is top of mind for local and state officials ahead of a high-profile weekend. The Indianapolis City-County Council is one step closer to imposing stricter curfew hours for young people in downtown Indianapolis. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

Previously, Sikh Siyasat interviewed Advocate Jaspal Singh Manjhpur of Panjaab Lawyers to explore the legal dimensions of the proposed legislation. In this follow-up, journalist Mandeep Singh engages with Bhai Malkeet Singh Bhawanigarh of Sikh Jatha Malwa to discuss the Sikh perspective—especially through the lens of the Khalsa tradition of Satikar (respect) or Adab towards Guru Granth Sahib.

Is AI making application security easier or harder? We spoke to Amit Chita, Field CTO at Mend.io, the rise of AI agents in the Software Development Lifecycle (SDLC) presents a unique opportunity for security teams to be stricter than ever before. As developers increasingly use AI agents and integrate LLMs into applications, the attack surface is evolving in ways traditional security can't handle. The only way forward is a Zero Trust approach to your own AI modelsJoin Ashish Rajan and Amit Chita as they discuss the new threats introduced by AI and how to build a resilient security program for this new era.Guest Socials -⁠⁠ Amit's Linkedin Podcast Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@CloudSecPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you want to watch videos of this LIVE STREAMED episode and past episodes - Check out our other Cloud Security Social Channels:-⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloud Security Podcast- Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloud Security Newsletter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloud Security BootCamp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you are interested in AI Cybersecurity, you can check out our sister podcast -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ AI Cybersecurity PodcastQuestions asked:(00:00) Intro: The New Era of AI-Powered AppSec(03:10) Meet Amit Chita: From Founder to Field CTO at Mend.io(03:47) Defining AI-Powered Applications in 2025(05:02) AI-Native vs. AI-Powered: What's the Real Difference?(06:05) How AI is Radically Changing the SDLC: Speed, Scale, and Stricter Security(16:30) The Hidden Risk: Navigating AI Model & Data Licensing Chaos(20:50) SMB vs. Enterprise: Why Their AI Security Problems Are Different(23:00) Why Traditional Security Testing Fails Against AI Threats(26:03) Do You Need to Update Your Entire Security Program for AI?(29:14) The New DevSecOps: Keeping Developers Happy in the Age of AI(31:26) Real AI Threats: Malicious Packages & Indirect Prompt Injection(35:16) Is Regulation Coming for AI? A Look at the Current Landscape(38:00) The AI Security Toolbox: To Build or To Buy?(41:41) Fun Questions: Amit's Proudest Moment & Favorite RestaurantThank you to our episode sponsor Mend.io

Hello to all you patriots out there in podcast land and welcome to Episode 452 of Canadian Patriot Podcast. The number one live podcast in Canada. Recorded June 9th, 2025.   We need your help! To support Canadian Patriot Podcast visit patreon.com/cpp and become a Patreon. You can get a better quality version of the show for just $1 per episode. Show you're not a communist, buy a CPP T-Shirt, for just $24.99 + shipping and theft. Visit canadianpatriotpodcast.com home page and follow the link on the right. What are we drinking And 1 Patriot Challenge item that you completed Gavin - signal hill and diet pepsi Pierre - forty creek and pepsi,  Grab the Patriot Challenge template from our website and post it in your social media Listener Feedback We'd love to hear your feedback about the show. Please visit  canadianpatriotpodcast.com/feedback/ or email us at feedback@canadianpatriotpodcast.com A version of the show is Available on iTunes  at https://itunes.apple.com/ca/podcast/canadian-patriot-podcast/id1067964521?mt=2 Upcoming Events Strava https://www.strava.com/clubs/ragnaruck News Bill C-2 https://www.parl.ca/DocumentViewer/en/45-1/bill/C-2/first-reading 1Amendments to customs act Free facilities for CBSA for any purpose related to admin or enforcement of the customs act CBSA granted access to goods at specific locations destined to export Controlled Drugs Authority of minister of health to add precursor chemicals used in production of illegal drugs to schedule v Cannabis Act The Governor in Council under the recommendation of the Minister of Public Safety, exempts officers from certain drug related provisions, specifically attept, conspiracy counseling or aiding. This is done so that under cover cops can “simulate” criminal behavior to protect their cover Canada Post It permits the demand, seizure, detention or retention of any item in the course of post, in accordance with an act of parliament. They must follow the correct course and obtain a warrant Oceans Act Security added to official list of responsibilities of Coast Guard along with the previous responsibilities of Search & Rescue, Environmental Response, Aids to Navigation & Icebreaking Information Sharing Authorizes Minister of Immigration and Citizenship to collect, use and disclose personal information across different immigration and citizenship programs, with different federal departments, provincial or territorial governments & foreign governments when appropriate  Immigration and Refugee protection act (Parts 7-10) Elimination of the Designated Country of Origin system which allowed Canada to fast track or limit asylum claims from countries considered safe, this is to be able to treat all claims equally Stricter timelines for asylum claims,  must submit claim within 1 year of arriving in Canada, those who irregularly enter from the US and wait more than 14 days to file may be disqualified  Automatic Removal Orders, if someone withdraws their claim a removal order is automatically issued the same day Support for Vulnerable Claimants, introduces designated representatives for minors & diminished individuals Control over Documents, The minister is granted new powers to cancel, suspend or modify immigration documents in the public interest, pause acceptance, or processing of application during an emergency Border crossing restrictions: Individuals who cross into Canada outside of official ports of entry will no longer be able to claim refugee status.   Part 10-11 procedes of crime - Definition of "cash" is expanded to include Canadian and foreign coins and banknotes. - Restrictions on third-party cash deposits—financial entities are prohibited from accepting deposits from individuals who are not the account holder or authorized users. - Cash transaction limits—businesses, professionals, and charities cannot accept cash payments, donations, or deposits of $10,000 or more in a single or related transactions, unless prescribed exemptions apply. - Foreign currency transactions—large cash deposits in foreign currency must be converted using the Bank of Canada's exchange rate or the entity's usual rate. - Punishments for violations—those guilty of offences may face fines, with penalties for serious violations scaling up to three times the transaction amount. - Extended prosecution period—proceedings can now be initiated within eight years of the violation. - New classification for violations—accepting unauthorized third-party cash deposits is now considered "very serious." - Updated terminology—the heading of Part 1 of the Act is changed to reflect expanded requirements for record keeping, identity verification, and registration.   Part 12 legislation related to financial institutions   Expanded Supervisory Committee Membership – The Director of the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) is now officially included as a member of the supervisory committee under the Office of the Superintendent of Financial Institutions Act. Enhanced Information Sharing – The Proceeds of Crime (Money Laundering) and Terrorist Financing Act is updated to allow the Director of FINTRAC to share and receive information with other members of the supervisory committee. Disclosure Limitations – The Director can only share information related to compliance with specific parts of the Act. Part 13 sex offenders Expanded access to information: Both police services and other law enforcement agencies are granted rapid access to registrant details.  Inclusion of Indigenous police services: Clarifies the role of Indigenous governing bodies in law enforcement. Stricter reporting requirements: Sex offenders must report changes in personal details, including vehicle information, within specific timeframes. Additional identification measures: Registration centers can record physical characteristics like eye color, hair color, tattoos, and distinguishing marks. Clarification on reasonable excuses: Certain family emergencies may be considered valid reasons for non-compliance. Disclosure provisions: The Canada Border Services Agency is authorized to share sex offender travel information with law enforcement. Expanded information access: Allows law enforcement agencies, victims, and government departments to access details for crime prevention and investigation. Offense and penalty: Anyone who knowingly violates subsections 16(1) to (5) of the Act may face a fine of up to $10,000 or imprisonment for up to six months, or both. However, individuals who believed they were acting in accordance with section 16 are not considered guilty. Terminology update: The term "gender" is replaced with "sex" in several provisions of the Act to align with current legislative language. Customs Act amendment: The Customs Act now includes a provision allowing the disclosure of sex offender registration information to authorized recipients for specific enforcement purposes. These changes aim to refine legal definitions, enhance accountability, and improve enforcement mechanisms. Need a deeper dive into any part? Canada's new government is rebuilding, rearming, and reinvesting in the Canadian Armed Forces https://www.pm.gc.ca/en/news/news-releases/2025/06/09/canadas-new-government-rebuilding-rearming-and-reinvesting-canadian   Canada to meet NATO's 2% defence spending target this year: Carney https://globalnews.ca/news/11228169/mark-carney-defence-announcement-nato/   Carney says Canada is looking to join major European military buildup by July 1 https://www.cbc.ca/news/politics/rearm-europe-deal-canada-carney-interview-1.7545303   Defence minister tells arms makers to prepare for accelerated federal spending https://www.cbc.ca/news/politics/mcguinty-defence-spending-contractors-speech-1.7545797   Toronto man still allowed to employ staff despite owing more than $1M in wages, fines https://www.cbc.ca/news/canada/toronto/toronto-businessman-owes-more-than-1-million-wages-fines-1.7554370 Outro Andrew - https://ragnaroktactical.ca/ Visit us at www.canadianpatriotpodcast.com   We value your opinions so please visit www.canadianpatriotpodcast.com/feedback/ or email us at feedback@canadianpatriotpodcast.com and let us know what you think. Apologies to Rod Giltaca Remember, “you are a small fringe minority” with “unacceptable views”

BUSINESS: Pagcor open to stricter online gambling rules | July 6, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

Hispanic voters helped to send President Donald Trump back to the White House, including flipping multiple districts in Texas that previously voted for President Biden. The Hispanic voters in South Texas have especially strong feelings on immigration and the border, many have growing support for stricter enforcement at the border. Also, many have had the unfortunate experience of dealing with cartels perpetrating violence against their friends and family. FOX's Eben Brown speaks with former Texas Congresswoman Mayra Flores, who is running again in the 28th District of Texas, who says there are real concerns amongst Texans that violent cartels could get a large foothold in the United States and commit the same unspeakable crimes they commit in Mexico. Click Here⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hispanic voters helped to send President Donald Trump back to the White House, including flipping multiple districts in Texas that previously voted for President Biden. The Hispanic voters in South Texas have especially strong feelings on immigration and the border, many have growing support for stricter enforcement at the border. Also, many have had the unfortunate experience of dealing with cartels perpetrating violence against their friends and family. FOX's Eben Brown speaks with former Texas Congresswoman Mayra Flores, who is running again in the 28th District of Texas, who says there are real concerns amongst Texans that violent cartels could get a large foothold in the United States and commit the same unspeakable crimes they commit in Mexico. Click Here⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hispanic voters helped to send President Donald Trump back to the White House, including flipping multiple districts in Texas that previously voted for President Biden. The Hispanic voters in South Texas have especially strong feelings on immigration and the border, many have growing support for stricter enforcement at the border. Also, many have had the unfortunate experience of dealing with cartels perpetrating violence against their friends and family. FOX's Eben Brown speaks with former Texas Congresswoman Mayra Flores, who is running again in the 28th District of Texas, who says there are real concerns amongst Texans that violent cartels could get a large foothold in the United States and commit the same unspeakable crimes they commit in Mexico. Click Here⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

From 1 July, Australia has rolled out stricter traffic laws to curb road accidents—harsher fines for phone use, tougher speed limits, and stricter seat belt rules. In this SBS Hindi podcast, road safety expert Ronak Shah explains what drivers need to know and shares tips to stay safe and avoid penalties.

Paramedics are giving the Government a thumbs up, as it moves to crack down on assaults towards first responders and prison officers. It's proposing higher penalties, with five years maximum imprisonment for assault with intent to injure, and a seven year maximum for injuring with intent. St John Ambulance Operations Manager Stu Cockburn told Mike Hosking this is a step in the right direction. LISTEN HERESee omnystudio.com/listener for privacy information.

SJC releases stricter version of the e-bike ordinance, City to remove derelict vessels from waterways, and a mother sentenced for a 2018 house fire.

See omnystudio.com/listener for privacy information.

This hour, Scoot talks about gas prices being down again, Happy Gilmore 2, Trump's trade deal with the UK, women's attraction to bald women, and the new pope.

Have you ever felt like your body is broken? You're doing everything right, but not seeing results? It was the same for Kourtni. She came to Coach Mia at five months postpartum and didn't recognize herself.Listen in as Coach Mia shares Kourtni's story and how, together, she now has strategies for life, a bulletproof mindset, and feels in control of her life.As always, it is our goal not only to supply you, the listener, with valuable insights on the topics or questions but also to plant some seeds for further research and thought. Be sure to like and subscribe and leave us a review if you loved this episode!Timestamps:(0:00) Have you ever felt like this?(0:28) The frustration of doing "everything right"(1:05) Where we started(1:56) Kourtni's biggest transformations(2:35) Long-term wins(3:05) If you're ready to break the cycle of burnout...Connect with Coach Mia & Team PD:Coach Mia: https://www.instagram.com/mia.fergusonPhysique Development: https://www.instagram.com/physiquedevelopment_Physique Development Podcast: https://www.instagram.com/physiquedevelopmentpodcastInquire to work with Team PD: https://physiquedevelopment.typeform.com/to/ToP9TYLEHave questions or comments for us? Submit them here - https://forms.gle/AEu5vMKNLDfmc24M7Check out our FREE 4-Week Glute Program - https://bit.ly/podcastglutesAnd keep the gains rolling with 12 MORE weeks of glute growth (use code POD at checkout for $25 off!) - https://train.physiquedevelopment.com/workout-plans/963551Keep up to date with all things PD, get exclusive content, snag freebies, and more by joining our email list! - https://dedicated-artist-6006.ck.page/emailsignupInterested in the Physique Development Training Club App? Join here! - https://physiquedevelopment.appInquire to learn about nutrition-only coaching WITH exercise review - https://bit.ly/optimizeglutesGrab a band tee here! - https://shopphysiquedevelopment.comLooking to hire the last coach you'll ever need? Apply here - https://physiquedevelopment.typeform.com/to/ToP9TYLEInterested in competition prep? Apply here - https://physiquedevelopment.typeform.com/to/Ii2UNAFor more videos, articles, and information, head to - https://physiquedevelopment.comIf you would like to support Physique Development and this podcast, please head over to your favorite podcast app and leave us a rating and review! This goes a long way in supporting this podcast and helps us continue to bring high-quality, honest content to you in the form of a podcast. Thank you for listening and we will see you all next time!----Produced by: David Margittai | In Post MediaWebsite: https://www.inpostmedia.comEmail: david@inpostmedia.com© 2025, Physique Development LLC. All rights reserved.

A bill that would place stricter rules on those with multiple DWIs is moving to floor votes in both the House and Senate.Lawmakers got their first chance today to ask Minnesota's attorney general about a 2021 meeting he had with business owners tied to the Feeding our Future nutrition scandal. Those stories and more in today's evening update from MPR News. Hosted by Emily Reese. Music by Gary Meister.

Emissions from diesel trucks can lead to respiratory health problems, asthma, cancer and even death. But according to a new Northwestern study, adopting similar rules to what are currently in place in California could save 500 lives in the Chicago area and prevent 600 new asthma cases in kids.This measure is currently before the Illinois Pollution Control Board. Reset gets the latest from Brian Urbaszewski, director of Environmental Health Programs at the Respiratory Health Association. For a full archive of Reset interviews, head over to wbez.org/reset.

Some landlords of Class B and C apartments were not concerned with tenants' immigration status, and many rented to undocumented individuals over the last few years. Today, stricter immigration policies have notably impacted occupancy rates in workforce housing, especially in areas with a high concentration of older apartment buildings. Are you ready to unlock the potential of Multifamily Syndications? Discover how Michael Becker's proven real estate syndication business can open doors to financial growth and long-term success. Visit SPIADVISORY.COM today and start your journey toward smarter investing!