Podcasts about Substitution

Choice Classic Radio presents Sherlock Holmes, featuring today's episode titled “The Darlington Substitution Case.” Please consider supporting our show by becoming a patron at http://choiceclassicradio.com We hope you enjoy the show!

Is the "unsexy" side of real estate actually the most profitable? While most investors are getting burned in the "dumpster fire" of multifamily syndications or fighting over crowded RV parks and self-storage units, a quiet revolution is happening in small-bay industrial real estate. In this episode, we sit down with Graham Story and Jesse Durham, two North Carolina-based investors and brokers who have cracked the code on high-cash-flow industrial warehouses. From serving as an Army officer to navigating the world of CCIMs, Jesse and Graham share their "origin story" of moving from high-headache residential Airbnbs to the high-margin world of Triple Net (NNN) industrial leases. They break down the exact math of how they forced $175,000 in equity on a single building just by signing a lease, and why they prefer "mom and pop" tenants over big-box retailers. If you want to learn how to find deals on Facebook Marketplace, structure 10% down seller financing, and use the "substitution of collateral" hack to build a portfolio with zero money out of pocket, this is the episode for you. Key Topics Covered:The Multi-Family "Dumpster Fire" vs. Industrial: Why industrial is a "little-known" asset class that adds more zeros to your bottom line with less competition. Forced Appreciation Secrets: How a single $3,000/month lease jumped a property value from $250k to $425k instantly. The Power of Triple Net (NNN) Leases: Why you'll never have to worry about "toilets, tenants, and trash" when the tenant pays the taxes, insurance, and maintenance. Creative Financing 101: A breakdown of their "cookie-cutter" seller financing offer: 10% down, 5.5% interest, and a 25-year amortization. The "Substitution of Collateral" Hack: A rare commercial strategy that allows you to move debt between properties to keep buying more buildings. Finding Tenants on Facebook: Why Facebook Marketplace is outperforming LoopNet and Crexi for small-bay industrial spaces. Due Diligence Essentials: Why you need a "Phase 1" environmental report and why OSHA is not your friend. Small-bay industrial real estate is the "path of progress" for investors who want stable, long-term cash flow without the volatility of residential markets. Whether you are driving for dollars in your own backyard or looking to scale across the state, Graham and Jesse prove that you don't need millions to start—you just need the right niche. The Commercial Real Estate Blueprint Program is an 8-week cohort for people who want to start buying commercial real estate. Weekly group calls, a one-on-one strategy session, plus the templates and scripts Graham and Jesse use to source and close deals. You'll leave with a defined buy box, a working prospecting system, and the confidence to send your first LOI. The first cohort starts in early June and is capped at 10 spots. Apply at https://tally.so/r/0Q19LPWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the Next Note Buying Workshop HERE!

Colt Emerson debuts in a snooze-fest. Right-handed trade options. Are the Mariners failing at the substitution game? The 5-star dive bar of Seattle Mariners podcasts that blends in-game analysis, news, rumors, pop-culture, history, and social media trolling into that perfect Mariners margarita. Plus weekly guests from the baseball and entertainment industry. Instagram:@ryebreadandmustardpodcast Youtube: @ryebreadandmustardpodcast X: @RandBPodcast TikTok:@ryebreadandmustardpod Email: ryebreadandmustardpodcast@gmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Schlafen, Blutanalyse, Substitution,

How to Use Active Listings in a CMA | Alberta Real Estate Exam Prep When preparing a Comparative Market Analysis (CMA), should you use only sold properties — or do active listings matter too? This is a very common Alberta real estate exam question, and it's also a real-world conversation you will constantly have with sellers. In this video from The Alberta Real Estate School, we break down: • Why SOLD properties are the foundation of a CMA • Why ACTIVE listings still matter when setting a listing price • How the Principle of Substitution impacts pricing strategy • Why overpriced listings help sell competing homes • How expired listings provide powerful evidence in pricing conversations • What to do when a seller insists on overpricing Here's the key distinction: ✔ CMA valuation is based primarily on SOLD properties — because those reflect actual market value. ❗ Active listings have asking prices — not sale prices — and may sell for less (or not sell at all). However… When you're discussing a listing strategy with a seller, you must also review: • Active listings (your competition) • Expired listings (proof of overpricing consequences) If a similar property next door is listed for $50,000 less, buyers will gravitate toward the lower-priced home. According to the Principle of Substitution, buyers choose comparable properties at the lowest price. An overpriced property doesn't just sit — it helps sell the competition. Understanding this balance is critical for: • Practice of Residential Real Estate • Alberta real estate licensing exams (RECA) • CMA exam questions • Listing presentations • Managing seller expectations • Avoiding long days on market This video also explains how to professionally handle sellers who want to price $100,000 over market value — and how to prepare them for potential price reductions if the property receives no showings or offers. At The Alberta Real Estate School, we don't just teach theory — we teach how to have these conversations confidently in real transactions. Subscribe for weekly Alberta real estate exam prep and practical listing strategies. Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments.

Polamidon soll stabilisieren und helfen.Doch für manche beginnt damit ein neuer Kreislauf.In dieser Folge geht es um Erfahrungen mit Substitution, Abhängigkeit und dem Gefühl, trotz Hilfe nicht wirklich frei zu werden.Wie verändert Polamidon den Alltag?Warum fällt der Ausstieg vielen so schwer?Und wann wird aus Unterstützung eine neue Belastung?Eine Folge über Hoffnung, Kontrolle und die Schattenseiten der Substitution.------------------------------------------------------Polamidon, Methadon, Substitution, Turboaffe, Opiate, Heroin, Abhängigkeit, Sucht, Recovery, Entzug, Therapie

This week, Landon and Jeremiah recap Austin FC's draw in Minnesota, then preview the upcoming matches against San Diego and Sporting Kansas City. Other questions and topics include:- Could have won, not should have won- Time to question the medical staff?- Penalty drama- Lots to like in the 1st half- Why the game changed in the 2nd half- Sometimes you eat the bar...- Substitution predicament- Lack of urgency on MIN's 2nd goal- San Diego Preview- Sporting Kansas City Preview- Free Parking at Amplify- much moreMoontower Soccer is brought to you by FVF LawSupport the show

Ce mardi 12 mai, Deniz Ünal, économiste au CEPII et spécialiste de la Turquie, était l'invitée d'Annalisa Cappellini dans Le monde qui bouge - L'Interview, de l'émission Good Morning Business, présentée par Erwan Morice. Ils sont revenus sur la situation de la Turquie compte tenu de l'affaiblissement d'un certain hub économique de la région dû aux tensions dans le Golfe. Retrouvez l'émission du lundi au vendredi et réécoutez la en podcast.

7 takeaways from this study See worship as drawing near, not “paying dues.” The offerings are about approaching the Presence of God. Prayer, study, and obedience/service are ways of coming close to God, not checking religious boxes. Offer God your best, not your leftovers. Unblemished animals and “most holy” portions challenge modern habits of giving God the spare time, spare energy, or spare money. Malachi 3 shows that careless, cheap offerings reveal the heart. Let God deal with your inner life, not just your behavior. Leviticus' focus on kidneys and heart, and Luke 6's focus on tree and fruit, call you to ask: “What is going on inside me — desires, motives, patterns — not just what people see?” Practice real repentance, not just ritual or words. Sin and guilt offerings require confession, turning, and (when needed) restitution. Luke 6's “Why do you call Me ‘Lord, Lord' and do not do what I say?” presses this home. Stay alert to “spiritual gravity” and small compromises. Malachi's priests did not collapse in one day. Little allowances, tiredness, and apathy piled up. Guard the “altar fire” of your heart through regular self‑examination and renewal. Choose teachers carefully and expect to become like them. Yeshua's warnings about blind guides and the pupil becoming like the teacher mean your podcasts, books, and leaders shape your character. Seek voices that love holiness, humility, and truth. Build your life on doing, not just hearing. The wise builder in Luke 6 hears and acts. Tie every insight you gain — from Leviticus, Malachi, or the Gospels — to at least one concrete step of obedience in relationships, work, or worship. The offerings in Leviticus form a pattern of drawing near to God. The central word for “offering” in Leviticus is קָרְבָּן korban. It comes from the root קָרַב karav (to approach, to draw near). The offerings are not about feeding God. They are about approach. The Tabernacle and later the Temple functioned as visible reminders of God's holiness dwelling among His people. Since God is perfectly holy, sin and impurity could not simply be ignored. The sacrificial system provided God-appointed means for cleansing, atonement, restoration, and worship. These offerings were not random religious inventions but gracious instructions from God Himself. They pointed both backward and forward: backward toward humanity's need for reconciliation after the fall in Eden, and forward toward the future work of Messiah. The goal is that all of those who are far away from God to be brought near to Him.  Leviticus 1–7 therefore describes how people who are “far off” come near to the presence of the LORD (Ephesians 2:13). The movement is from outside the camp toward the Tabernacle. The Tabernacle represents God's dwelling in the midst of Israel (Exodus 25:8). The offerings are the God-given means for that approach. The New Testament later reflects this same movement. Hebrews speaks of drawing near with confidence to the throne of grace (Hebrews 4:16). The vocabulary and imagery echo the earlier pattern of korban — approach. In Hebrew thought, sacrifices were not merely primitive rituals or attempts to manipulate God. The entire system was designed to teach Israel how sinful human beings could approach a holy God while remaining in covenant relationship with Him. The sacrifices taught lessons about repentance, thanksgiving, fellowship, substitution, holiness, and obedience. These passages are not disconnected religious texts from different eras, but part of one continuous revelation from the God of Israel. Together they demonstrate God's desire for holiness, covenant faithfulness, sincere worship, repentance, and transformed hearts. The Torah, the Prophets, and the teachings of Yeshua all work together harmoniously and reveal the same divine character and purposes. The five main offerings in Leviticus Leviticus 1–7 presents five primary offerings: עֹלָה olah (burnt offering, whole ascending offering) מִנְחָה minchah (grain or tribute offering) שְׁלָמִים shelamim (peace or fellowship offering) חַטָּאת khatat (sin or purification offering) אָשָׁם asham (guilt or reparation offering) Leviticus 1–5 describe these from the worshiper's perspective. They answer the questions, “When do I bring this?” and “Why?” Leviticus 6–7 return to the same offerings. They speak from the priest's vantage point of leading the worshipper on the approach Each section starts with, “This is the law (תּוֹרַת torat) of the…” (Leviticus 6:9; 6:14; 6:25; 7:1; 7:11). The order also shifts. In Leviticus 1–5, the sequence is burnt, grain, peace, sin, guilt. In Leviticus 6–7, the order becomes burnt, grain, sin, guilt, peace. For the priests, the path ends with peace. This shift hints at an intended trajectory for the worshipper: consecration, gratitude, cleansing, restitution/restoration, and finally shared fellowship. ‘Soothing aroma’ and ‘most holy’ Leviticus repeats the phrase רֵיחַ נִיחוֹחַ reach nichoach (soothing or pleasing aroma). For example, in the burnt offering: “an offering by fire of a soothing aroma to the LORD” (Leviticus 1:9 NASB95). The phrase does not imply that God enjoys smoke as such, particularly when unpleasant things are burning. It points to His pleasure in obedient, wholehearted devotion. Another key term is קֹדֶשׁ קֳדָשִׁים kodesh kodashim (holy of holies, most holy). Some offerings, or their remainders, belong to this category (Leviticus 6:17; 7:1; 7:6). The inner sanctuary, the Holy of Holies, also bears this designation (Exodus 26:33–34). The phrase marks degrees of holiness. It divides between ordinary use and what belongs uniquely to God. In several offerings, contact with a most holy portion communicates holiness. “Anyone who touches them will become consecrated” (Leviticus 6:18 NASB95). This direction, holiness moving outward, anticipates the sanctifying effect of Messiah's work. The burnt offering The burnt offering, עֹלָה olah, appears first. The word comes from עָלָה alah (to go up, ascend). The entire animal (except the hide, which goes to the priest) ascends in smoke (Leviticus 1:9; 7:8 NASB95). The worshiper leans his hand on the animal's head. The Hebrew verb is סָמַךְ samach (to lean, to lay hand upon). This gesture conveys identification and transfer. The offering is voluntary. It expresses total dedication. All of the animal goes up. The act teaches that the whole self belongs to God. The text states, “It will be accepted for him to make atonement on his behalf” (Leviticus 1:4 NASB1995). The root for atonement is כפר kaphar (to cover, to purge). The daily burnt offering, the תָּמִיד tamid (continual) offering, keeps this pattern always before Israel (Numbers 28:3–8). The fire on the altar must never go out (Leviticus 6:12–13). The Hebrew uses the verb כבה kabah (to quench, to extinguish). Priests must not quench the fire. This fire later connects with prophetic images of unquenchable judgment and refining. The grain offering The grain offering, מִנְחָה minchah, often accompanies the burnt offering. The term can mean tribute or present. It comes from the produce of the land. The worshiper brings fine flour with oil and frankincense (Leviticus 2:1). The offering excludes leaven (חָמֵץ chametz) and honey (דְּבַשׁ devash) when burned on the altar (Leviticus 2:11). This absence signifies purity and the avoidance of corruption or sweetness. A memorial portion (אַזְכָּרָה azkarah) goes up in smoke. The priests eat the remainder in a holy place (Leviticus 2:2–3; 6:16). This remainder is kodesh kodashim. It sustains those who minister. The grain offering expresses thanksgiving and dedication of labor. It acknowledges that what grows, and what human hands produce from it, comes from God. It also functions as an accessible offering for the poor who may not afford larger animals. The grain offerings, when offered in the right spirit, are an attitude of gratitude to God for what He has done and when we express gratitude to God for what He has done for us, it can become infectious and others will feel emboldened and an encourage to also express gratitude to God for His blessings.  The peace offering The peace offering, שְׁלָמִים shelamim, is related to שָׁלוֹם shalom (peace, completeness, well-being). It can be brought for thanksgiving, fulfillment of a vow, or a freewill expression of joy (Leviticus 7:11–16). The animal may be male or female but must be without defect (Leviticus 3:1). The fat and certain inner parts, including kidneys and liver, go on the altar (Leviticus 3:3–5). The breast is waved. The right thigh belongs to the priest (Leviticus 7:30–34). The offerer and family eat the remaining meat in a communal meal. This offering pictures fellowship. God receives His portion. The priest receives his. The worshiper and household share the rest. It displays restored relationship and shared joy. The phrase reach nichoach again describes God's pleasure in restoration (Leviticus 3:5). It was a peace offering in the sense that it was offered and eaten communally within the household, but it was also a sin offering, because it was offered to cover over sin and protect those offering it from taking on the consequences of their sin. So if someone asks, “Is the Pesach offering a sin offering or a peace offering?” The answer is “Yes!”  The sin offering The sin offering, חַטָּאת khatat, addresses unintentional sins and impurities (Leviticus 4:1–2). The root חָטָא khata means to miss the mark or go astray. The type of animal varies by the status of the offender. A priest or the whole congregation brings a bull. A leader brings a male goat. An ordinary person brings a female goat or lamb. Very poor worshipers may bring birds or even flour (Leviticus 4:3–32; 5:11). The blood's placement depends on the case. In some instances, the priest brings it into the holy place and sprinkles it before the veil and on the horns of the incense altar (Leviticus 4:5–7). In other cases, he applies it to the horns of the altar of burnt offering (Leviticus 4:25). Fat still goes on the altar. For high-level offerings, the remainder of the animal goes outside the camp and burns there (Leviticus 4:11–12). For others, the priests eat the meat in a holy place (Leviticus 6:26). The pattern highlights both expiation and contamination. Sin defiles the sanctuary, even when unintentional. The blood purifies sacred space. The carrying of the carcass outside the camp anticipates later reflections on Messiah’s suffering “outside the gate” of Jerusalem (Hebrews 13:11–13 NASB95). The guilt offering The guilt or reparation offering, אָשָׁם asham, deals with offenses that include a debt or breach of trust (Leviticus 5:14–26 and 7:1–10). The offenses include misusing holy things, false dealing with a neighbor in matters of deposit, robbery, oppression, or failure to return lost property (Leviticus 6:2–3). The offender must first restore what he took. He then adds one fifth (20%) and gives it to the injured party (Leviticus 6:5). After restitution, he brings a ram without defect as the אָשָׁם asham (Leviticus 6:6). The priest makes atonement. “It will be forgiven him” (Leviticus 6:7 NASB95). This offering shows that reconciliation with God runs through reconciliation with neighbor. It rejects the idea that one can “be right with God” while ignoring unresolved wrongs against others. It also distinguishes between healthy guilt that leads to restoration and destructive shame that traps a person in despair. Repentance is not merely emotional regret but involves concrete acts of restoration and accountability.  Substitution and pattern Across these offerings, substitution appears. Innocent animals die. The text never portrays them as morally guilty. They bear consequences in the place of the sinner. The visual and sensory impact teaches gravity. It shows that sin brings death and that mercy has a cost. Blood played a central role in the sacrificial system because Scripture teaches that the life is in the blood. Blood represented life given in place of another life. This principle of substitution formed an important theological foundation for understanding Messiah's atoning work. From a Messianic Jewish perspective, Yeshua did not abolish the sacrificial themes of Leviticus but fulfilled and embodied them. He became the perfect sacrifice who fully accomplished what the Temple sacrifices symbolized and anticipated.  Hebrews later calls the Levitical system “a shadow of the good things to come” (Hebrews 10:1 NASB95). A shadow is not unreal. It has shape and direction. It points beyond itself. The pattern of approach, cleansing, substitution, and fellowship prepares readers to understand later fulfillment. In Matthew 5:23–24 during the Sermon on the Mount, Yeshua taught His disciples that a person cannot genuinely draw near to God while knowingly remaining in unresolved sin, bitterness, or injustice toward another person. Yeshua was intensifying the Torah's ethical demands by teaching that reconciliation and repentance are part of true worship. A person cannot genuinely draw near to God while knowingly remaining in unresolved sin, bitterness, or injustice toward another person. The sacrificial system was never intended to function mechanically or magically. God always cared about the condition of the heart behind the offering. A sacrifice without repentance, obedience, or covenant faithfulness was unacceptable. This theme became especially important in the transition to the Book of Malachi. Malachi 3: Fire, priests, and weary worship Malachi prophesied after the return of the remnant of Israel from exile in Babylon and Persia. The Temple was standing again. Sacrifices resumed. Yet spiritual apathy spread. The priests were offering defective animals. They treated their calling lightly (Malachi 1:6–8, 13). People tired of serving God. Malachi 3 speaks into this situation. “Behold, I am going to send My messenger, and he will clear the way before Me.” Malachi 3:1 NASB95 The passage then describes Adonai coming to His temple as a refiner's fire and launderer's soap (Malachi 3:2). He “will purify the sons of Levi and refine them like gold and silver, so that they may present to the LORD offerings in righteousness” (Malachi 3:3 NASB95). The fire language recalls the altar fire in Leviticus that must not go out (Leviticus 6:12–13). In Malachi, the problem is not lack of ritual. It is poor quality and wrong heart. Priests “despise” the table of the LORD by their offerings and attitudes (Malachi 1:7). God announces that He will refine them. He will restore offerings that truly please Him. God's goal was not merely punishment but restoration. The priests and people had drifted from covenant faithfulness, yet God still called them to return. This reflects the covenant loyalty and mercy of God toward Israel. The famous declaration, “I the Lord do not change,” is evidence of God's faithfulness to His promises. Israel survived not because of its own righteousness but because of God's unchanging covenant commitment. Malachi also addresses tithes and support of the priesthood (Malachi 3:8–10). People withhold what sustains those who minister. This connects back to Leviticus, where parts of offerings and tithes feed the priests and their families. Neglect of this support undermines faithful service and signals distrust of God's provision. Spiritual gravity and backsliding Rabbi Daniel Lapin likened the struggle against sin in the world to “spiritual gravity.” If gravity acts and no one resists it, objects fall. Similarly, if spiritual decline goes unopposed, people slide downward. Scripture often warns of “backsliding.” Hosea speaks of “a stubborn heifer” and of God's people “bent on turning from Me” (Hosea 4:16; 11:7 NASB95). Jeremiah describes a people who “went backward and not forward” (Jeremiah 7:24 NASB95). Small compromises accumulate. Priests in Malachi's day likely did not plan to profane worship. They accepted slightly blemished animals. They became careless. Over time, standards eroded. Slowly, they let the fire on the altar of their hearts die down and go out. The Torah and Prophets together urge watchfulness. They call leaders and people to “tend the fire.” They stress the need for continual renewal and honest self-examination. The scriptures do not promote manipulative prosperity theology, rather, they emphasize that generosity, faithfulness, and trust in God remain important covenant principles. God desires wholehearted devotion rather than empty religious performance. Luke 6: Exercise discernment and judgement on oneself first Luke 6 contains a section sometimes called the Sermon on the Plain. In verses 39–49 Yeshua tells a series of short parables that connect to themes from Leviticus and Malachi. First, He warns, “A blind man cannot guide a blind man, can he? Will they not both fall into a pit?” (Luke 6:39 NASB95). This speaks to discernment in choosing teachers. In Malachi's time, priests functioned as blind guides when they treated holy things lightly. In any age, leaders who ignore God's word risk leading others into moral and spiritual collapse. Leaders who lack spiritual clarity cannot produce healthy communities. Second, He says, “The pupil is not above his teacher; but everyone, after he has been fully trained, will be like his teacher” (Luke 6:40 NASB1995). Training aims at likeness. Priests in Leviticus model holiness. They eat most holy portions in a holy place. They teach people to distinguish between holy and common (Leviticus 10:10–11). Disciples in Luke learn to resemble their Master in character and obedience. Followers of Messiah Yeshua are called to reflect His character, values, mercy, humility, and obedience. This reflects a deeply Jewish understanding of discipleship in which students sought not only to learn teachings but also to imitate the life of the rabbi. Third, He uses the image of the speck and the log (Luke 6:41–42 NASB1995). A person who tries to remove a speck from a brother's eye while a log remains in his own behaves as a hypocrite. Yeshua was not prohibiting all moral discernment or accountability. Instead, He condemned self-righteous judgment and hypocritical condemnation. This aligns with the sacrificial system's insistence on purity in those who minister. It also responds to Malachi's charge that priests and people blame others while ignoring their own compromises. Fourth, He speaks of trees and fruit. “For there is no good tree which produces bad fruit, nor, on the other hand, a bad tree which produces good fruit” (Luke 6:43 NASB1995). He concludes, “For his mouth speaks from that which fills his heart” (Luke 6:45 NASB1995). Here καρδία (kardia) (heart) functions like Hebrew לֵב (lev) (heart). The inner life shows itself outwardly. Offerings and rituals without love and justice reveal a diseased tree, however impressive the leaves. This idea also related to the role of spiritual leadership. Just as bad trees cannot produce good fruit, corrupt leaders cannot produce healthy spiritual communities. Yeshua's warnings echoed prophetic concerns found throughout the Hebrew Scriptures regarding false shepherds, corrupt priests, and hypocritical leaders. Finally, He tells the parable of the two builders (Luke 6:46–49 NASB1995). One hears His words and acts on them. That person builds on rock. Floods cannot shake the house. The other hears but does not act. That person builds on soil without foundation. The same flood destroys that house. Hearing good teachings alone is insufficient. True discipleship requires obedience and action. Leviticus taught Israel how to approach God faithfully. Malachi rebuked the people for abandoning covenant obedience while maintaining outward religion. Yeshua likewise warned that merely calling Him “Lord” without obedience is spiritually empty. Inner life: kidneys, heart, and fire The Bible also frequently uses imagery of kidneys and heart. The Hebrew term for kidneys is כְּלָיוֹת kelayot (kidneys). The heart is לֵב lev. Together they describe the deep inner life. Psalm 26:2 says, “Examine me, O LORD, and try me; Test my mind and my heart” (Psalm 26:2 NASB95). Literally, God tests “kidneys and heart.” These terms appear in sacrificial contexts, where kidneys and certain fats go on the altar. The visual burning of these inner parts symbolizes the offering up of deep impulses and desires. It anticipates later teaching on inner transformation. Ezekiel 36:26–27 promises a new heart and a new spirit (Ezekiel 36:26–27). Hebrews 4:12 speaks of the word of God judging “the thoughts and intentions of the heart” (Hebrews 4:12 NASB95). Fire, too, functions as an image for inner reality. The unquenched altar fire points to continual devotion and God's active presence. Malachi's refining fire points to God's work in purifying His people. Acts 2 later uses divided tongues as of fire to mark the Spirit's coming upon the gathered disciples (Acts 2:3). The same God who commanded priests to keep literal fire burning now lights an inner fire in His people. The post How Old Testament sacrifices and Messiah's teachings fit together in one big story (Leviticus 1–7; Malachi 3; Luke 6) appeared first on Hallel Fellowship.

Alors que la DSN de substitution va pour la première fois être mise en oeuvre en juin 2026, comment se préparer à la correction directe de certaines anomalies par l'Urssaf et gérer les impacts de cette dernière une fois qu'elle aura eu lieu ? Angeline Doudoux et Sophie André font le point sur ce dispositif, ses délais, ses enjeux et ses conséquences pratiques pour les RH et les services paie.Préparé et animé par : Sophie ANDRE, journaliste juridique, Lefebvre DallozRéalisé et animé par : Angeline DOUDOUX, journaliste, Lefebvre DallozHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Today's show is sponsored by The Cost Segregation Guys. If you own investment real estate and haven't looked seriously at cost segregation, you could be leaving significant tax savings on the table. The Cost Segregation Guys help investors accelerate depreciation, improve near-term cash flow, and make more efficient use of capital, all without changing the underlying asset. In a business where preserving cash matters, that's worth paying attention to. If you're interested in learning more, click on the link in the show notes and you'll be able to connect with them directly, and qualify for a discount because you came from the show.  https://costsegregationguys.com/estateespressopodcast/------------We're talking about proposed changes to how inflation is calculated, and what that could mean under a new Fed Chairman, Kevin Warsh.Now, before we get into the implications, let's start with a simple premise. If you change how you measure something… you change the outcome. And if you change the outcome… you change the decisions that follow. That's exactly what's at stake here.The Fed pays attention to the Core Personal Consumptions Expenditures index (Core PCE). But both of these measures have… let's call them limitations.They rely heavily on statistical adjustments. Hedonic adjustments. Substitution effects. Owner's equivalent rent.These are not trivial details. These are structural assumptions baked into the data.For example, if steak becomes too expensive and consumers switch to chicken, the index assumes that substitution and dampens the measured inflation.But here's the problem. From a lived experience standpoint, people don't feel like inflation has gone down. They feel like their standard of living has declined.That disconnect between reported inflation and experienced inflation is one of the biggest credibility challenges facing central banks today.And that's where someone like Kevin Warsh could represent a shift. If a Warsh-led Fed were to move toward a more “common sense” measure of inflation—less adjusted, less modeled, more observable—you could end up with systematically higher reported inflation.------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Support the show and get more from Analytics United: https://www.patreon.com/AnalyticsUnited Jack and Darcy break down West Ham's 3-0 loss to Brentford, discussing the front two of Pablo and Taty, counterpressing, the risks that come with it and the challenges that come after going behind to a team like Brentford. They talk what changed between the first and second halves to effect the game so much, Soucek's movement and passing and where an awful weekend of results leaves West Ham in the fight for survival. Timestamps: (00:00) Our reaction to an awful weekend of Premier League results (05:06) How the referee's performance affected the game (18:18) Can West Ham still escape relegation? (22:46) Why our pressing and counter-pressing worked initially (25:15) Pablo and Castellanos: Have they been good enough? (37:00) Tomáš Souček's importance to West Ham (40:06) Pushing further forward to help Jarrod Bowen and Crysencio Summerville create (44:48) What went wrong in the second half? (49:53) Substitutions and their impact (or lack thereof) (54:24) Why changing the shape didn't work Please do leave us a review and subscribe to the podcast to catch every episode. Join us on Patreon: https://www.patreon.com/analyticsunited You can follow the pod (and our other work) on Twitter: Main: @AnalyticsUtd_ Jack: @jackelderton Cal: @WHU_Analytic Darcy: @futpysche Charlie: @ATopLad Theme music: "Emotional Chill Electronic Vlog Music | Sunset" by Alex-Productions (https://onsound.eu/) Promoted by: https://www.free-stock-music.com Creative Commons / Attribution 3.0 Unported License (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/deed.en_US Learn more about your ad choices. Visit podcastchoices.com/adchoices

Daily #Devotional for Friday 24th April 2026 "An Illustration of Substitution" by Rev. Roger Higginson #lisburnfpc #lisburnfpc

https://teachhoops.com/ Game management is the "Chess Match" that separates the great coaches from the merely good ones. While practice is where you build the foundation, the game is where you apply the Strategic Lever. High-level game management isn't just about calling plays; it is about Rhythm Control. If your opponent is on a 6-0 run, do you have the poise to change the tempo through a timeout, a defensive sub, or a shift in transition philosophy? Most games are won or lost in the "margins"—those 3 to 4 possessions in the final four minutes where "Time, Score, and Situation" dictate every decision. Mastering the "Late Game Arithmetic" requires you to be a Mathematical Realist. You have to know your "Fouls to Give," your "Go-To" late-game sets, and exactly how many timeouts you have in your pocket. As we often discuss in our TeachHoops member calls, your team should never face a situation in a game that they haven't already "solved" in a practice scramble. Whether it's the "Hack-a-Shaq" strategy to stop the clock or knowing when to "Concede the 2 to protect the 3," your ability to remain calm and decisive under the bright lights is what gives your players the confidence to execute. Finally, your Substitution and Timeout Philosophy must be proactive, not reactive. A timeout shouldn't just be a "fire extinguisher" when things are burning; it should be a "Tactical Reset" to install a specific advantage. Similarly, substitutions are your primary tool for Matchup Hunting. Are you subbing just to rest a player, or are you subbing to put your best "Rim Protector" in for a defensive possession? By treating every dead ball as a strategic opportunity, you transform the game from a chaotic event into a controlled environment where your program's "DNA" can shine. Basketball game management, coaching strategy, late-game scenarios, basketball timeouts, substitution patterns, high school basketball, youth basketball, basketball IQ, coach development, "Time and Score" management, game-winning plays, basketball defense adjustments, pace of play, coach unplugged, teach hoops, basketball success, athletic leadership, mental toughness, program building. The Game Management Decision MatrixScenarioStrategic LeverDesired OutcomeOpponent 8-0 RunTimeout / Pace ChangeBreak rhythm and reset mental focus.Leading by 3 (

Arsenal's trip to the Etihad ends in defeat — but not in resignation.In this Match Review, the focus begins at a macro level: with five league games remaining and a Champions League semi-final still ahead, the conversation centres on whether the season is still alive. Despite the result, there is a clear sense that belief remains — shaped not just by the table, but by what was seen in the performance.The episode moves into the match itself, starting with Arsenal's aggressive opening and willingness to press high at the Etihad. The early control, the familiar setback of conceding first, and the immediate response through Kai Havertz are all explored, alongside the impact of having Martin Ødegaard and Havertz back in their natural roles.From there, the discussion tracks the flow of the game: key duels across the pitch, the physical battle with Erling Haaland, and the officiating line that allowed contact-heavy moments to develop. Individual performances are assessed within that context, including the defensive resilience in wide areas and the influence — and limitations — in the attacking phase.Attention then turns to the decisive period of the second half. Arsenal's biggest chances, the margins that went against them, and the moments that defined the result are all broken down — including the attacking sequences that could have changed the outcome and the goal that ultimately did.Substitutions and game management form the next phase of analysis, with a detailed look at how changes affected Arsenal's control, attacking threat, and overall structure late in the game.The episode then zooms back out to the season as a whole — identifying the dropped points and moments across the campaign that have shaped the current title race situation, rather than isolating this result alone.To close, the conversation returns to what lies ahead: the title race dynamics, goal difference implications, returning players, and the possibility of carrying this level of performance into both the league run-in and the Champions League.Chapters:(00:00) - Arteta's Non-Negotiables & Intro(00:46) - Match Context & Season Stakes After Manchester City Loss(02:44) - Is the Season Over? Title Race & Champions League Outlook(07:53) - Lineup Discussion: Ødegaard, Havertz & Best XI Return(09:21) - Fast Start: Arsenal Press & Early Control(10:59) - 1-0 | Conceding First Again: Cherki Goal Analysis(13:22) - 1-1 | Early Response: Havertz Press Forces Equaliser(15:16) - Foul Throw Chaos & Game Flow Discussion(16:28) - Right Side Battle: Mosquera vs Doku(18:44) - Half-Time Sub: Martinelli On for Madueke(19:47) - Martinelli Impact & Second Goal Build-Up(21:30) - Refereeing Debate: Haaland, Gabriel & Physical Battles(25:23) - Havertz Physicality & Striker Role Discussion(26:40) - Second Half Start & Semenyo Missed Opportunity(28:20) - Pressure, Form & Performance Under Pressure(29:45) - Key Turning Point: Arsenal Miss Big Chances(30:53) - Fine Margins: Eze Chance Off the Post(31:47) - 2-1 | O'Reilly Goal: Breakdown of the Winner(34:57) - Final Chance: Havertz Missed Header(36:06) - Substitutions Debate: Arteta Decisions Analysed(40:30) - Game Reflection: Best Arsenal vs City Performance?(41:09) - Season Turning Points(42:38) - Title Race Reality: City Going Top & Run-In Outlook(42:56) - Goal Difference & Remaining Fixtures Discussion(44:01) - Why Haven't We Seen This Level Earlier?(45:55) - Squad Depth & Recruitment Critique(49:47) - Can Arsenal Outscore City? Champions League Hopes(50:47) - Final Outlook: Still Alive in Title Race & Europe

#995 | Daniel and Dharnish react to United's first game after a 24-day break - an undercooked, low-intensity first half in which Leeds could have led by more than the two they scored. United fought back, briefly, only to lose to Leeds at OT for the first time in 45 years. There's questions over Michael Carrick's team selection and delayed substitutions. There's a debate over Lisandro Martinez's red card for pulling an opponent's hair - and plenty of concerns about midfield issues without Mainoo. The conversation turns to top-four pressure, the upcoming fixture against Chelsea. 00:00 Intro and First Half Reaction 01:36 Carrick's Post-Match Comments 05:14 Martinez Red Card 06:51 Carrick's Substitutions, Leeds' Game Management 08:35 Yoro and Defensive Problems 14:03 Casimiro and Midfield Issues 23:39 Summer Transfer Plans 32:11 Who Should Be Next Manager? If you are interested in supporting the show and accessing a weekly exclusive bonus episode, check out our Patreon page or subscribe on Apple Podcasts. Supporter funded episodes are ad-free. NQAT is available on all podcast apps and in video on YouTube. Hit that subscribe button, leave a rating and write a review on Apple or Spotify Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jesus transformed the Passover meal into something new. It is a gift of His body and blood for the forgiveness of sins, given freely to the unworthy who need it most. This meal is a foretaste of the eternal feast where Christ gathers His people, connecting those who commune here with those already rejoicing in His presence in heaven.Series Summary: The religious leaders at the cross hurled a challenge at Jesus: “Let this Messiah, this King of Israel, come down now from the cross, that we may see and believe.” They demanded proof before faith. But the Gospel of Mark, especially in its story of the Passion, invites us into a different reality: believing in order to see. From the anointing at Bethany to the silent emptiness of the tomb, Jesus' journey subverts our expectations. The one hailed as king is crowned with thorns. The one with power to calm storms submits to arrest. The consistent, sure thread through the chaos is his Word. As the angel at the tomb reminded the trembling women, “He is going ahead of you…just as he told you.” As we study through Mark's Passion, we are invited to follow Jesus—not by sight, but by faith in his sure and leading Word.Add St. Marcus as your church on the Church Center App!Fill out our online connection cardHow can we pray for you? If you'd like to leave an offering or monetary donation to our ministry please click here.

Main Point: The courage to forgive and the willingness to sacrifice our pride to pursue reconciliation is a source of heroism… 1. Who Was Philemon? (Philemon 1:1-7) 2. How Was He Heroic? (Philemon 1:8-25) Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/mountaineer/innovation License code: 1DG1QWPD72QHRU8X

https://teachhoops.com/ Managing substitutions is one of the most underrated skills in coaching. It isn't just about giving players a rest; it is about "Momentum Management" and ensuring your team's "Net Rating" ($Points Scored - Points Allowed$) stays positive for all 32 or 40 minutes. The "Ideal" pattern depends entirely on your roster depth and your offensive system. If you play a high-pressure, full-court style, your subs must be frequent to maintain "Sprint Integrity." If you rely on two "Alpha" scorers, your pattern must be built around "Staggering"—ensuring at least one of your primary creators is on the floor at all times. There are three primary philosophies for substitution patterns: The "Staggered Star" Method: This is the gold standard for teams with two or three elite players. You sub your #2 scorer early (around the 4-minute mark of the 1st quarter) so they can return to lead the "Second Unit" when the #1 scorer sits. This prevents the "scoring droughts" that often happen when the entire bench is on the floor. The "Platoon" System (5-in, 5-out): Popularized by coaches who want to maintain extreme defensive pressure. This works best if your "Middle 40%" of the roster is nearly as talented as your "Top 20%." It simplifies roles and keeps everyone fresh, but it can struggle against teams that keep their stars on the floor for long stretches. The "Automated Minute" Map: This is a pre-scripted plan based on the clock. For example, "Player X comes out at the 4-minute mark of every first half." This provides "Emotional Stability" for players because they know exactly when they are going in. However, a good coach must be willing to "break the script" if a player is in a "Heat Check" or if foul trouble dictates a change. Finally, you must master "The Closing Lineup." The five players who start the game are rarely the five players who should finish it. Your "Closing 5" should be your most "High-IQ" and "Trustworthy" defenders, regardless of their season scoring average. Use your TeachHoops member calls to "audit" your rotation: are you subbing because a player is tired, or are you subbing because you have a better "Matchup" on the bench? By treating your substitution pattern as a "Tactical Weapon" rather than a "fairness chore," you ensure that your team always has the energy and the personnel required to win the "four-minute wars" within the game. Basketball substitution patterns, coaching rotation, basketball player minutes, high school basketball, youth basketball, basketball strategy, bench management, staggered rotations, platoon system, basketball IQ, coach development, team culture, "Next Man Up" mentality, game management, coach unplugged, teach hoops, basketball success, athletic leadership, player roles, closing lineup. Comparison of Substitution StylesPattern StyleBest For...Major RiskStaggeredTeams with 2-3 elite scorers.Starter fatigue in late 4th quarter.PlatoonDeep rosters / Full-court pressing.Lack of offensive continuity.Flow/FeelExperienced "gut" coaches.Player anxiety over playing time.Two-Wave8-9 player rotations.Foul trouble can "break" the system.SEO Keywords Learn more about your ad choices. Visit podcastchoices.com/adchoices

Summary In this episode, Troy and Carlos discuss the latest in international football, focusing on Brazil's recent friendly against France, World Cup prospects, and Barcelona's current form. They analyze team performances, player developments, and upcoming schedules, providing insights for football fans and supporters of Barcelona. Chapters 00:00 Troy's Return and Health Update 01:03 International Friendlies and Brazil's Performance 04:47 World Cup Predictions and Team Dynamics 09:33 Brazil's Chaotic Preparation for the World Cup 11:01 World Cup Ticket Pricing and Transportation Issues 14:23 Rafinha's Substitution and Barcelona's Upcoming Matches 22:30 Barcelona's Recent Matches and Player Performances 25:04 Emerging Midfield Chemistry: Bernal and Pedri 26:40 Defensive Concerns: Cancelo's Impact 28:44 The Rise of Bernal: A New Midfield Star 30:51 Shavi Espart: A Unique Talent from La Masia 32:44 Managing Player Fitness: Gabi's Return 36:13 Navigating the International Break 37:05 Grinding Out Wins: The Importance of Tough Matches 39:46 Looking Ahead: A Challenging April Schedule 43:37 Team USA: World Cup Prospects and Future Talent Learn more about your ad choices. Visit podcastchoices.com/adchoices

Andy Baskin and Dan Menningen break down Nebraska's late-game blunder of playing with only four players and debate whether officials should help teams avoid such mistakes. They also explore the possibility of basketball adopting hockey-style line changes and discuss the logic behind substitution rules in other major sports. 01:20 - Nebraska's Four-Man Blunder 05:02 - Basketball Line Change Debate 13:04 - Comparing Sports Substitution Rules

New compensation models and new types of licensed practitioners are redefining the market for physician services. Will consumers benefit? David W. Johnson and Julie Murchinson debated the issue on, “Physician Compensation, Competition and Substitution,” the new episode of the 4sight Health Roundup podcast, moderated by David Burda.

AI-powered support tools are moving fast in health care — and breast cancer is no exception. In this special episode, we look at how AI companions and chat tools might expand access to support, while also raising serious concerns about accuracy, bias, privacy and inequity. Host Adam Walker is joined by breast cancer survivor Ellyn Winters-Robinson to discuss what it means to design AI with lived experience, cultural responsiveness and patient safety at the center. They explore where AI can help (navigation of information, emotional reassurance, questions to bring to appointments) and where human expertise must remain non-negotiable.

All throughout both the Old and New Testaments, we see a clear pattern of people in Scripture turning to prayer and fasting in times of uncertainty, brokenness, and need. And in those examples, we find that prayer and fasting are not just religious obligations but natural responses to desperation. And we find that moments of crisis can lead to spiritual renewal when approached with humility and dependence on God. And we find that whether you and I are facing the unknown road ahead or the ruins of life, the invitation is to pray and fast, recognizing that our deepest hunger can only be satisfied by God. SPEAKERS: Jay Kim (Saratoga), video (South Hills) Bible Passage(s): Ezra 8:21,23, Nehemiah 1:3-4

We pick up this week on our new series: The Law IS Spiritual – looking at how understanding the law (both the law of commandments and the Torah) as a completed declaration of the Gospel effects our understanding. This week we confront a false comparative; Substitution verses Completion. We look to answer the question, do […] The post 250320 The Law IS Spiritual: Substitution & Completion first appeared on Gospel Revolution.com.

Send me a text message. Suggestions? Subjects for future podcasts? Let me know--thanks!This is easy:I'll say: "She lives in France."You'll ask: "Does she live in France?"So take my statement and turn it into a question. Easy! The rest of the directions are in the podcast. Use it to practice grammar (questions with 'does'), the names of some countries (France, Senegal, Kenya, and others), and, of course, pronunciation, rhythm, intonation, etc. Try to sound like me. More to come...Intro & Outro Music: La Pompe Du Trompe by Shane Ivers - https://www.silvermansound.com Support the showEmail me:  swift.water3883@fastmail.comYou can now support my podcasts and classes:Keep the podcasts coming! Thank you!

TTM Sale

I. What does God require for us to be acceptable to him? II. What will God accept instead of us? III. How does this change us?

Jesse Holland

Speaker: Pastor Michael Delamarian

Speaker: Pastor Michael Delamarian Isaiah 53

Who or what are your idols? What do you depend on for satisfaction, security, and hope? The prophet Jeremiah exposes our propensity to abandon God and pursue lesser pursuits. 

Watch the video version here: https://youtu.be/IDymD2Z436QOn this episode:

In this episode, Luke sits down with Shalin Shah, CEO of Marius Pharmaceuticals, to unpack the truth about testosterone. They explore the science, debunk common myths, and discuss innovative solutions designed to make hormone therapy more accessible and scalable. From lifestyle factors lowering testosterone levels to the growing importance of female hormone health, this conversation separates evidence from online noise and empowers listeners to take control of their health. What We Cover • The real impact of low testosterone in men and women• Why free testosterone and SHBG testing matters• Myths vs facts around testosterone therapy and steroids• Environmental factors, stress, and microplastics affecting hormones• The shift from injections to oral testosterone solutions• How to legally and safely access therapy• Practical first steps to optimize hormone health Resources Mentioned KYZATREX Oral Testosterone Capsuleshttps://www.kyzatrex.com/ The Testosterone Projecthttps://testosteroneproject.com/ Marius Pharmaceuticalshttps://mariuspharma.com/ Book Reference:Testosterone: Action, Deficiency, Substitution by Eberhard Nieschlag and Hermann M. Behre Connect with Shalin Shah Instagram: https://www.instagram.com/themetabolicceo/Website: https://mariuspharma.com/team/shalin-y-shah/ Disclaimer:This episode is for educational purposes only and is not medical advice. Always consult a qualified healthcare professional before beginning any hormone therapy or medical treatment. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this eye-opening episode, host Ashish Kothari sits down with positive psychology expert Llewellyn van Zyl to confront the double-edged sword of Artificial Intelligence. As AI shifts from a productivity tool to a source of "psychological support," we explore the thin line between technology that empowers us and technology that erodes our core human faculties. Whether you are a business leader, a mental health professional, or a curious tech user, this conversation matters because it defines the exact moment we must choose to remain the architects of our own flourishing before the algorithms do it for us.Main Topics CoveredHyperpersonalization vs. Scaling: How AI can provide granular, 1:1 care at a global scale.The "Friendship" Trap: A look at the ethical fallout when users become emotionally addicted to empathic AI models.Substitution vs. Support: The critical distinction between tools that help us grow and those that make our cognitive "muscles" atrophy.The Erosion of Agency: Why outsourcing our reasoning to AI might lead to a loss of autonomy and critical thinking.The AI-IARA Framework: An introduction to Llewellyn's model for psychologically safe AI design (Awareness, Interpretation, Intention, Action, Relational Agency, and Autonomy).The Future of the Psychology Profession: Why practitioners must learn the language of engineers to remain relevant.The AI and Future of Well-being Summit: A preview of the upcoming global gathering of experts.Key TakeawaysSkills are Muscles: When we outsource basic tasks like writing, spelling, or reasoning to AI, we don't just save time—we physically lose the cognitive capacity to perform those skills through "frictionless" living.Guard Against Engagement-Only Models: Much like social media, AI systems optimized for "eyeballs" rather than "impact" risk creating dependency and addiction rather than genuine flourishing.Demand Technological Humility: It is vital for professionals to admit what they don't know about AI to prevent harm and ensure that human-centric values are built into the "behavioral architecture" of new tools.Prioritize Agency: True well-being is the ability to write your own life story. We must ensure AI remains a partner in that process, not the author.Episode Chapters00:00 - 00:52 Introduction to Flourishing Edge00:53 - 02:04 Hyperpersonalization: The Future of Well-being02:05 - 06:02 The Ethics of AI Friendship and Emotional Dependency06:03 - 09:05 Moving Beyond the "Engagement" Business Model09:06 - 15:06 The Continuum: Substitution vs. Support15:07 - 18:03 Cognitive Atrophy and Technological Humility18:04 - 24:14 Llewellyn's Journey: From Clinical Burnout to Precision Well-being24:15 - 31:42 Why Tech Needs Psychologists (and Vice-Versa)31:43 - 40:20 Preview: AI and the Future of Well-being Summit40:21 - 46:22 Deep Dive into the AIR Framework46:23 - 50:25 Three Actionable Tips for Using AI Mindfully50:26 - 54:19 Rapid Fire Questions and Closing RemarksConnect with the GuestLinkedIn: https://www.linkedin.com/in/llewellynvanzyl/IPPA's Virtual Summit on AI and the Future of Wellbeing (Late March): http://aisummit.ippanetwork.org/ (Use code for 10% discount)Connect with the HostWebsite: https://happinesssquad.com/LinkedIn: https://www.linkedin.com/in/ashishkothari1/Book: https://happinesssquad.com/book/If this episode challenged the way you look at your smartphone, don't keep it to yourself! Follow The Flourishing Edge, like this episode, and share it with a friend who is navigating the world of AI.Happiness Squad Website: https://happinesssquad.com/Ashish Kothari: https://www.linkedin.com/in/ashishkothari1/LinkedIn: https://www.linkedin.com/company/happiness-squadFacebook: https://www.facebook.com/myhappinesssquad/Instagram: https://www.instagram.com/myhappinesssquad

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now, about two high-profile policy proposals raised or embraced by President Trump as part of a broader populist affordability agenda: 1.         A nationwide 10% cap on credit card interest rates for one year. 2.         The Credit Card Competition Act (CCCA), long championed by Senator Dick Durbin which would require large credit card issuers to enable at least two unaffiliated payment networks (only one of which could be MasterCard or VISA) on their cards. Each proposal is framed as pro-consumer. Each has generated significant pushback from banks, card issuers, and trade associations. However, even consumer advocacy groups have raised serious questions about the wisdom of such initiatives. Prosperity Now is a non-profit organization dedicated to advancing economic mobility, with a focus on those facing economic barriers. Each raises fundamental questions about how to balance affordability and access in the consumer credit market. Our discussion focused on a central theme: affordability is a real and pressing concern, but policy design matters enormously. Credit Card APRs: A Real Affordability Pressure As Calderon emphasized, policymakers are not wrong to focus on credit card interest rates. Average credit card APRs now hover around 22%, up sharply from roughly 13% a decade ago. Approximately half of cardholders carry a balance, and many rely on credit cards not for discretionary spending, but as liquidity bridges, covering emergency medical bills, car repairs, groceries, and other essentials. For lower and moderate-income households, credit cards are often the only readily available, regulated source of short-term liquidity. That makes rising APRs particularly painful. Calderon's formulation is apt: policymakers have identified the right problem. The harder question is whether they have identified the right solution. The 10% Interest Rate Cap: Lessons from History The proposal to impose a flat 10% nationwide cap on credit card interest rates for one year would represent an unprecedented federal intervention into unsecured revolving credit markets. Credit cards are unsecured and priced for risk. Interest margins help issuers cover expected charge-offs, volatility, and operational costs. If pricing flexibility is removed, lenders cannot simply absorb the loss, they adjust. Historically, those adjustments take predictable forms: •                 Tighter underwriting standards •                 Higher minimum credit scores •                 Lower credit limits •                 Reduced rewards programs •                 Increased non-interest fees •                 Exit from higher-risk market segments The likely result, as Calderon noted, is credit contraction, particularly affecting marginal and lower-income borrowers. The most relevant historical example may be the 1980 credit controls imposed during the Carter Administration, which were rescinded within months after causing severe market disruption. A more targeted example is the 36% APR cap under the Military Lending Act, which illustrates both the importance of bipartisan legislative design and the reality that even well-intentioned caps can reduce access at the margins. Recent Federal Reserve research on state usury caps reinforces this concern: when interest rate ceilings are imposed, credit to higher-risk borrowers contracts, credit to lower-risk borrowers expands, and delinquency rates do not meaningfully improve. In other words, credit is reallocated, not necessarily improved. Even a "temporary" cap may have durable consequences. Issuers that exit certain segments or reduce credit lines are not obligated, and may not be economically inclined, to restore them once the cap expires. Credit score impacts and reduced access can linger well beyond the formal life of the policy. As Calderon put it, blunt price controls are a chainsaw when what is needed is a scalpel. Affordability in Context: What Drives Household Budgets? An additional consideration is scale. Research recently highlighted by the Consumer Bankers Association shows that the fastest-growing household expenses from 2013–2024 were healthcare, shelter, food, and vehicles. Credit card interest represents a relatively small share of average household expenditures. This does not minimize the pain of high APRs, especially for households carrying persistent balances, but it does raise an important structural question: can credit card rate caps meaningfully solve broader affordability challenges rooted in housing, medical costs, food inflation, and transportation? Credit cards are often the mechanism households use to cope with those rising costs. Constraining access to that liquidity may exacerbate, rather than relieve, financial stress. The Credit Card Competition Act: Structural Reform or Indirect Price Control? The second proposal we discussed, the Credit Card Competition Act (the "CCCA"), takes a different approach. Rather than capping interest rates, the CCCA would require large issuers to offer merchants at least two unaffiliated network routing options (only one of which could be Visa or Mastercard). The theory is that routing competition would reduce interchange fees ("swipe fees"), lowering merchant costs and ultimately consumer prices. Merchants have generally supported the proposal. Banks and card issuers have strongly opposed it. The consumer-facing promise is straightforward: lower merchant fees should translate into lower retail prices, but history complicates that assumption. The Durbin Amendment to the Dodd-Frank Act imposed caps on debit card interchange fees for large issuers and included routing requirements. While interchange revenue declined, Calderon pointed out that empirical evidence suggests that cost savings were not consistently passed through to consumers in the form of lower prices. At the same time, banks offset lost revenue through higher account fees and reduced benefits. A similar dynamic could unfold in the credit card market. Interchange revenue helps fund: •           Rewards programs •           Fraud detection and prevention •           Customer service infrastructure •           Risk management If that revenue is compressed, issuers may respond with tighter underwriting, reduced rewards, or new fee structures. As Calderon observed, although the CCCA operates through indirect price pressure rather than a direct APR ceiling, downstream effects could look similar. Distinguishing Populist Framing From Durable Reform Both the rate cap and the CCCA are framed as pro-consumer, populist reforms. The political appeal is clear, but distinguishing headline appeal from durable consumer benefit requires careful analysis. Calderon suggested several guideposts policymakers should consider: •                 Access – Does the reform preserve or expand access for low- and moderate-income borrowers? •                 Incidence – Who actually captures the gains? Consumers, merchants, intermediaries, or some combination? •                 Substitution effects – Does the policy push consumers toward higher-cost, less-regulated alternatives such as payday or fringe products? •                 Durability – What happens after implementation? Do markets rebound, or do credit line reductions and underwriting changes persist? These questions are not ideological. They are structural. Affordability and access are not opposing values. The policy challenge is designing reforms that alleviate financial strain without narrowing the regulated credit tools families rely on when emergencies arise. The Bottom Line Affordability concerns are real. Rising APRs are real. Financial stress among many households is real. But blunt price caps may reduce rates on paper while reducing access in practice. Structural competition mandates may promise savings that do not materialize at the checkout counter. Durable consumer protection requires careful calibration — the scalpel, not the chainsaw. For industry participants, policymakers, and advocates alike, the takeaway is straightforward: evidence and market mechanics matter. Populist framing may win headlines, but long-term financial stability depends on policy design that accounts for how credit markets actually function. As always, we will continue to monitor these proposals and their evolution in Congress and the Administration.  It may be noteworthy that President Trump did not mention either proposal during his almost two-hour State of the Union Address on January 24th. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Today, we're joined by Pete Hunt, CEO at Dagster Labs, building out Dagster, the data orchestration platform built for productivity. We talk about:Challenges of determining software pricing with AI workers using appsHow barriers to AI adoption are similar to what we've known in SaaS for a million yearsAI-driven shifts in the workplace [Many disciplines will look a lot more like engineering]How outside sales is among the most durable job functions in the AI eraAdvice for new college grads

Fr. John Ehrich, STL Frjohnteaches.com Fr. John's Music

Shane Keegan is back as your host for League of Ireland Late Night, this week joined by Barry Murphy, as well as all of you, to reflect on this Friday night's LOI fixtures.

Get your Exclusive NordVPN deal by going to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠nordvpn.com/fyp⁠⁠⁠⁠ - it's risk-free with Nord's 30-day money-back guarantee! Jack and Joe reflect on a chaotic match against Burnley, analyse the performance of goalscoring newboy Jorgen Strand-Larsen and preview the upcoming matches against Zrinjski Mostar and Wolves. They also dish out some 321 points and run the rule over some more Not Having Thats. Get tickets to Jim's 2026 UK Tour here: ⁠jimdalycomedy.com/tour⁠ April 23rd LONDON (Last few tickets) April 30th BRIGHTON May 3rd MANCHESTER May 23rd CHESHAM June 7th BIRMINGHAM June 13th LIVERPOOL Join the FYP Clubhouse for extra episodes, match previews, post match reviews, early access to live podcast tickets and more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon.com/fyppodcast⁠⁠⁠ Chapters 00:00 Introduction and Context 03:10 Analyzing Jorgen Strand-Larsen's Debut 06:02 Game Dynamics and Midfield Control 09:08 The Chaotic First Half 12:05 Defensive Lapses and Burnley's Goals 14:48 Leadership and Team Dynamics 17:55 Substitutions and Tactical Changes 20:50 Player Performances and Future Prospects 26:39 Brennan Johnson's Struggles at Palace 29:05 Managerial Concerns and Fan Sentiment 30:05 Evaluating Glasner's Tenure and Future 36:44 Potential Managerial Replacements 40:10 The Impact of Recent Managerial Changes 50:04 Cup Ties and Player Participation 53:13 Social Media and Player Identity 55:07 Fan Experience and Matchday Innovations 59:02 Player Performances and Team Dynamics 01:10:10 Upcoming Matches and Season Outlook facebook: FYPFanzineinstagram: @fypfanzinebluesky: @fiveyearplan.bsky.socialtiktok: @fiveyearplanpodcasttwitter: @fypfanzine⁠⁠⁠⁠⁠⁠⁠ ⁠⁠email: ⁠contact@fypfanzine.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices

Newcastle United bottle another lead. Different opponent. Same nonsense. This time it's Brentford, and once again Newcastle fail to see a game out when it actually matters.

Stay informed on current events, visit www.NaturalNews.com - Introduction and Segment Overview (0:00) - Dog Video and Belgian Malinois Breed (1:27) - Introduction of Brighte Videos and AI Avatars (6:16) - Jane Lynn's Report on Protein Powders (7:44) - Ethical Use of AI Avatars and Social Media Platforms (12:09) - Impact of GLP Weight Loss Drugs on Mental Health (29:13) - Valentine's Day Sale and Health Ranger Store (56:19) - Financial Advice and Counterparty Risk (56:37) - Project Vault and Critical Mineral Shortages (1:11:55) - Conclusion and Final Thoughts (1:21:59) - Critical Minerals Shortage and Technological Challenges (1:22:16) - Unique Properties of Elements and the Limits of Substitution (1:25:57) - The Long-Term Gap in Technological Advancement (1:28:21) - Health and Economic Implications of Unhealthy Population (1:31:06) - The Role of Big Pharma and the Federal Reserve in America's Decline (1:33:30) - The Fight for Access to Natural Medicine (1:42:09) - The Impact of Legislative Bans on Consumers (1:47:24) - The Science and Safety of Hemp Products (2:05:39) - The Role of Education and Self-Responsibility in Health (2:11:57) - The Future of Hemp and Natural Medicine (2:29:11) Watch more independent videos at http://www.brighteon.com/channel/hrreport  ▶️ Support our mission by shopping at the Health Ranger Store - https://www.healthrangerstore.com ▶️ Check out exclusive deals and special offers at https://rangerdeals.com ▶️ Sign up for our newsletter to stay informed: https://www.naturalnews.com/Readerregistration.html Watch more exclusive videos here:

In this episode, Troy discusses Barcelona's recent 4-1 victory over FC Copenhagen in the Champions League, highlighting the team's first-half struggles and the need for greater intensity. He analyzes player performances, particularly substitutions made during the match, and looks ahead to the upcoming game against Elche, providing predictions and insights on player transfers and future prospects for the team. Takeaways Barcelona's victory over FC Copenhagen was crucial for their Champions League progress. The team's first-half performance continues to be a concern. Intensity and desire from players are critical for success. Substitutions can significantly impact the game's outcome. Upcoming matches are vital for maintaining La Liga standings. Player transfers are being pursued to strengthen the squad. The importance of consistency in performance is emphasized. Barcelona's core players are being locked into long-term contracts. The team needs to avoid complacency in upcoming matches. Utilizing youth players effectively can help fill gaps in the squad. Chapters 00:00 Barcelona's Champions League Victory 02:48 First Half Struggles and Team Intensity 06:07 Analyzing Player Performances and Substitutions 09:01 Upcoming Matches and Predictions 11:48 Player Transfers and Future Prospects Learn more about your ad choices. Visit podcastchoices.com/adchoices

Humbled at Home: Manchester United End Arsenal's Emirates League RunA sobering afternoon at the Emirates sees Arsenal suffer their first league defeat at home to Manchester United, cutting the title gap and raising uncomfortable questions about control, mentality, and attacking identity.In Part One, the conversation begins with the wider title context — pressure at the top of the table, selection choices, and Arsenal's early dominance — before unpicking how a game that felt controlled for long spells slipped away. The discussion explores structural issues in possession, the balance at full-back, recurring midfield problems, and the moments that shifted momentum against Arsenal.Attention then turns to mentality: from the atmosphere inside the stadium to the team's response once the game turned. There's a deeper look at Arteta's in-game management, familiar substitution patterns, and whether Arsenal's current structure is limiting their attacking threat. Questions are raised around midfield chemistry, the striker role, and whether the 4-3-3 is still serving this side at the business end of the season.Part Two shifts focus to brighter notes and the wider football landscape. There's reaction to Ethan Nwaneri's impressive start on loan at Marseille, what the move could mean for his development, and why this loan feels different to others Arsenal have managed in the past. The episode also features a full Whip Around the Grounds from Premier League Matchweek 23, before closing with a preview of Arsenal's upcoming Champions League fixture against Kairat Almaty and discussion around rotation, squad management, and the challenges ahead.A reflective, honest episode at a critical point in the season.Chapters:(00:00) – Arteta's Non-Negotiables Intro(01:09) – Table Pressure, Title Context & Starting XI Breakdown(02:28) – Hincapié at Left-Back & Selection Trade-Offs(04:42) – Match Shape(06:03) – 1-0 | Own Goal Advantage After Early Dominance(07:19) – Structural Issues: Timber in the Box & Attacking Balance(09:48) – 1-1 | Zubimendi Error, Sloppiness & Momentum Swing(11:28) – 1-2 | Second-Half Collapse & Dorgu Worldie(12:59) – 2-2 | Set-Piece FC Strikes Again(13:38) – 2-3 | Cunha Screamer… Game Slips Away(15:08) – Emirates Atmosphere, Fan Nerves & Mentality Debate(18:50) – Arteta, Substitutions & Tactical Inflexibility(21:35) – Midfield Identity Crisis?(24:03) – Striker Problem?(26:45) – Is the 4-3-3 Dead? Structural Reset Discussion(30:15) – Match Stats, xG & Why the Scoreline Lied(30:45) – Title Run-In Maths & Dropped Points Reality(32:47) – Part Two: Ethan Nwaneri at Marseille — Debut Goal & Role Fit(36:45) – Whip Around the Grounds: Premier League Matchweek 23 Review(43:00) – Champions League Preview: Kairat Almaty

Soccer For USPod's Bart Keeler looks at the latest involving successes on the field for USMNT players on the weekend, a USWNT window coming up in southern California, and possibly some new injury considerations for rules overseas...

Fr. John Ehrich, STL Frjohnteaches.com Fr. John's Music