Podcasts about summary during

Summary: During this episode, 'Whiskey Tang Charlie', Will and I discuss experiences during Charlie Company 5/20's deployments in Iraq. We talk about the changes that occurred in our unit between deployments, including new leadership and new soldiers, as well as the loss of brothers in arms. We discuss the differences in rules of engagement and the frequency of firefights between the first and second deployments. Will shares his perspective on the initial welcome they received from the Iraqis during their first deployment and how that changed over time. He also mentions the increased sophistication of the enemy during their second deployment. During the conversation, the principal themes discussed include the experiences of our guest during his deployments, the equipment used in combat, the daily life on deployment, the impact of war on the soldiers' mental health, and the challenges of reintegrating back into civilian life. The conversation also touches on the media's portrayal of war and the polarization of society. Our guest shares his personal anecdotes and reflects on the complexities and contradictions of war and its aftermath and the heavy toll of deployments, the loss of friends, and the psychological impact on soldiers. The conversation concludes with a discussion about the guest career as an officer instructor and the importance of deployments for infantry officers. --- Support this podcast: https://podcasters.spotify.com/pod/show/sterling-bronson/support

Episode Highlights: personal growth, film industry, belief in oneself, personal responsibility, perseverance, resilience, overcoming adversity, taking risks, pursuing dreams, opportunities in difficulties, relationships, moral compass,  Summary: During their in-studio jam session, Kaylor and Canadian filmmaker Adam Scorgie dive deep into the ins and outs of the film biz and how to grow as a person. They chat about handling impulses, owning up to mistakes, and bouncing back from tough times in the cutthroat film industry. Kaylor and Adam swap tales about sticking it out through tough times, bouncing back from setbacks, and chasing dreams no matter what. They discuss the power of having the right mindset, being confident, and spotting opportunities even when life throws curveballs, inspiring anyone listening to go after what they want. As they wrap up, Adam gets real about the importance of pushing yourself hard, both mentally and physically, to toughen up and rise above challenges. He spills his thoughts on how luck and skill play together, stressing the importance of never giving up and putting in the hard yards. He also talks about being a good parent and staying grounded while shooting for the stars. Takeaways:  Belief in oneself and a willingness to work hard are key factors in achieving success Owning up to mistakes and taking personal responsibility is important in building trust and respect Taking risks and going against the grain can lead to great accomplishments Having the right mindset and self-belief can help navigate challenges Difficulties can present opportunities for growth and achievement  Impeccable character and integrity attract good luck and positive relationships Being present and involved in children's lives is crucial for their development If you enjoyed the episode, please be sure to take a screenshot and share it out on Instagram and tag @thekaylorbetts. Also, please make sure to give us a review and a five star rating if you're loving what we are doing! _____________________________ RESOURCES & LINKS MENTIONED IN THIS EPISODE: Instagram | https://www.instagram.com/scoreg/ Facebook | https://www.facebook.com/AdamScoreG X | https://twitter.com/adamscoreg/ Breaking Olympia trailer on YouTube  | https://www.youtube.com/watch?v=dKMVyspEIrQ Bisping trailer on YouTube  | https://www.youtube.com/watch?v=dKMVyspEIrQ Inmate #1 trailer on YouTube  | https://www.youtube.com/watch?v=C59f07pt-Nk&t=6s Websites | www.scoreGproductions.co _____________________________ SPONSORS: Truly Tallow | https://www.trulytallow.com/ Use code “SUNNYBALLS10” at checkout for 10% off your order _____________________________ IMPORTANT UPDATES: Check out the Awake & Winning Website | https://awakeandwinning.com/ Join the Awake & Winning Life AW-cademy | https://theawlife.com/ Join the Awake & Winning Business AW-cademy | https://theawbiz.com Join the Awake & Winning POD-cademy | http://yourwinningpodcast.com/ Follow Kaylor on Instagram | https://www.instagram.com/thekaylorbetts/ _____________________________

During the period of Sefirat Ha'omer, we refrain from certain forms of festivity as an expression of mourning for the tragic deaths of Rabbi Akiva 24,000 disciples, which occurred during these weeks. The Shulhan Aruch mentions that we do not conduct weddings, or cut our hair during this period. The Magen Avraham (commentary to the Shulhan Aruch by Rabbi Avraham Gombiner, Poland, 1637-1683) further adds the prohibition of listening to music. The question was raised as to whether we must also refrain from other activities of a festive nature. For example, during the period of Ben Ha'mesarim – the three weeks between Shiva Asar Be'Tamuz and Tisha B'Av – Halacha forbids reciting the joyous Beracha of "She'he'hiyanu." This Beracha is recited on joyous occasions – such as upon partaking of a new fruit or wearing a new garment – whereby it expresses gratitude to God for bringing us to the given occasion. This expression is incompatible with the Ben Ha'mesarim period, during which numerous calamities befell the Jewish people. Should we extend this line of reasoning to the Sefira period, as well, which also marks a time of great tragedy, and forbid reciting "She'he'hiyanu" during these seven weeks? The Ben Ish Hai (Rav Yosef Haim of Baghdad, 1833-1909), in his work Or Ha'haim, draws a fundamental distinction in this regard between the periods of Ben Ha'mesarim and Sefirat Ha'omer. As we have unfortunately seen throughout Jewish history, the period of Ben Ha'mesarim is intrinsically designated as a time of misfortune; it is inherently defined as a time of tragedy, and it would therefore be inappropriate to recite the joyous Beracha of "She'he'hiyanu" during this period. Sefirat Ha'omer, by contrast, is actually a very auspicious time. So much so, that the Ramban, in his Torah commentary (Parashat Emor), speaks of these weeks as a kind of "Hol Ha'mo'ed" in between the two festivals of Pesah and Shavuot. The Zohar describes the Sefira period in these terms, as well. Although this period saw the tragic death of Rabbi Akiva's students, this calamity does not characterize these weeks as a time designated for misfortune. Therefore, although we indeed refrain from certain forms of festivity, we need not go beyond the areas namely, weddings, haircuts and music. All other festive activities are permissible, even those which are forbidden during Ben Ha'mesarim, such as reciting "She'he'hiyanu." This is the view taken by several other authorities, as well, including the Yafeh La'lev and Pahad Yishak. Hacham Ben Sion Abba Shaul (Israel, 1924-1998) likewise follows this position, in his work Or Le'sion (vol. 3). Similarly, Hacham Ben Sion rules that it is permissible to purchase a new garment during the Sefira period, despite the joy it brings a person. By the same token, Hacham Ovadia Yosef (Hazon Ovadia – Laws of Yom Tov, p. 74) rules that one may move into a new home during Sefira, or renovate his home. This includes expanding, painting and refurnishing. One may also host a "Hanukat Ha'bayit" celebration during Sefira in honor of his moving into a new home, just as engagement parties may be held during the Sefira period, provided that no music is played. Summary: During the period of Sefira we refrain from making weddings, listening to music, and haircutting. One may, however, purchase a new garment, recite the Beracha of "She'he'hiyanu," move into a new home, renovate one's current home, and host a celebration (without music) in honor of an engagement or a new home.

If you like whispers, consoling, and sweet boyfriend banter then I think you will enjoy this."Summary: During a thunderstorm your partner wakes up to find you suffering from the affects of astraphobia and decides to find a way to take your mind off your fear and refocus it on him."Script by: u/TokkiyoboCome chat with me!X: @dolphsparlorReddit: u/Podcastingworld

A well-known Halacha establishes that the mourning period after the death of a parent, Heaven forbid, extends for twelve months, whereas for other immediate relatives one observes mourning for only thirty days. There are two possible reasons for why Halacha requires a longer mourning period for a parent. One possibility is that this requirement stems from the Torah command of "Kabed Et Abicha Ve'et Imecha" – honoring parents. As part of the general obligation to show respect to parents, one is required to observe a special period of mourning for a deceased parent, which is longer than the period of Abelut (mourning) for other family members. Alternatively, however, one could suggest that the extended period of Abelut has nothing at all to do with the Misva of honoring parents. Rather, mourning is a function of closeness, and thus the extended period of mourning for a parent is a natural result of the special closeness that a child feels for his or her parent. Rabbi Moshe Feinstein (Russia-New York, 1895-1986), in his Iggerot Moshe (Yoreh De'a 255), notes the practical difference between these two perspectives on the extended period of mourning. Generally, once a woman gets married, her responsibility to her husband takes precedence over her obligation to honor her parents. If a husband makes a request of his wife that is in opposition to the wishes of her parents, she should obey his request despite her parents' objection. Therefore, if we view the twelve-month mourning period as an application of "Kabed Et Abicha Ve'et Imecha," then it would not take precedence over a wife's obligations to her husband. For example, if a husband is attending a function such as a dinner or a wedding, and he wants his wife – who is within the twelve-month mourning period – to join him, she should attend the function, according to this approach. Even though the restrictions of Abelut generally forbid her attendance at such a function, her responsibility to her husband supersedes her requirement to honor her parents by observing this period of mourning. If, however, we view the twelve-month period of mourning as simply a function of the closeness of the parent-child relationship, which affects the obligation of Abelut irrespective of the Misva of honoring parents, then the husband's wishes have no effect upon a wife's observance of Abelut. The husband has no right to force his wife to violate the requirements of Abelut, and she would thus be forbidden to attend the affair, despite his insistence. Rabbi Feinstein writes that since he has not seen this Halacha discussed explicitly in any Halachic source, he cannot definitively rule on the issue. He thus concludes that a husband should not insist that his wife join him at a function during her period of Abelut, but if their Shalom Bayit (marital harmony) will be adversely affected by her not attending, then she may. Since this issue cannot be definitively determined one way or the other, the wife should not attend, but there is room to be lenient in the interest of avoiding marital strife. This is also the ruling of Hacham Ovadia Yosef, in Yalkut Yosef (listen to audio recording for precise citation). Summary: During the twelve months after a parent's death, Heaven forbid, it is forbidden to attend a festive event, even if one's spouse wishes that he or she attend. If, however, this might affect the couple's Shalom Bayit, the mourner may attend the affair.

Summary: During all types of opposition, when we are tempted to fight for ourselves or feel isolated, the Lord calls us to return to Him.  He is with us even amid opposition.

Trigger Warnings: Mentions of suicide, discussion of paranoia, minor depictions of gaslighting, sudden & jarring noises, derealization.Disclaimer: Due to the mature themes prevalent in this audio drama, Smile Grove is intended for audiences 16 and up. Viewer discretion is advised.Summary: During the final arc of the first season, tensions run high and emotions run higher, as the patients begin their journey to unravel the dangerous mysteries that comprise Smile Grove. Credits (in order of appearance):Mysterious Female Voice was played by Meredith Nudo(https://twitter.com/meredithnudo)Storm played by Noah Belachew(https://mobile.twitter.com/Rekhova1)Grey played by Kyle Wright(https://twitter.com/KyleWrightMusic)Michelle played by Emily Safko(https://twitter.com/GarbageGothic)Dr. Grover played by Journeyman Vance(https://twitter.com/VanceofJourney)Tida played by Alicia C.Z.(https://twitter.com/C1a_Later)Nurse Vicki played by Blue Mayfield(https://twitter.com/MayfieldnBelov)Nikolai played by Oliver ShaneComposing, Editing, and Scripting handled by Oliver ShaneSupport the showSocial Media Pages:Website - https://smilegrove.buzzsprout.com/Discord - https://discord.gg/kbgJpPn6agPatreon - https://www.patreon.com/IsotopicProductions

It is forbidden to refuse to grant a loan to a needy person in advance of the Shemita ("sabbatical") year (Debarim 15:9). As the end of the Shemita year automatically cancels outstanding debts, prospective lenders might be hesitant to offer loans as the end of the seventh year approaches. The Torah nevertheless requires capable lenders to grant loans to the poor despite the likelihood that the debt will never be returned due to the cancellation that takes effect after the Shemita year.The Talmud tells that during the time of the great sage Hillel, wealthy Jews were unwilling to lend money to their less fortunate brethren as the Shemita year approached, in violation of this Halacha. In order to rectify the situation, Hillel enacted a provision called a "Prozbul," a shorthand reference to the phrase, "Proz Bol U'muti" – "an enactment for the rich and poor." This provision, which circumvents the law of "Shemitat Kesafim" (the cancellation of debts), assists both the wealthy – by ensuring that their loans are returned – and the poor – by encouraging the wealthy to continue lending even in advance of the Shemita year. The Prozbul is a document signed by the lender declaring that all outstanding debts are transferred to a Bet Din (Rabbinical court). Since the law of "Shemitat Kesafim" affects only private lenders, and not public bodies such as a Bet Din, the loans transferred to the court are unaffected by the end of the Shemita year. The lender may then collect his loans as an agent of the Bet Din.Halacha does not require a person to write and sign the Prozbul document in the presence of the Bet Din. Instead, he may simply declare in the presence of two witnesses that he transfers his loans to the Bet Din, and then have the witnesses sign the document affirming that this declaration was made. (Of course, the lender must also sign the document.) Preferably, the document should specify the Bet Din to which the loans are transferred, and name the three judges comprising the court.A Prozbul may be signed at night; even though Bet Din does not convene at nighttime, the document may be prepared during the night.A Prozbul document is valid even if the lender is a family relative of the witnesses signing it and/or the judges to whom the loans are transferred.The Prozbul document may be signed at any point during the month of Elul. Even though the document does not cover loans granted after it is signed, nevertheless, one may collect loans given after signing the Prozbul. The reason is that unless stipulated otherwise, a borrower does not need to return a loan until after thirty days have passed from the time he received the money. Since the law of "Shemitat Kesafim" applies only to debts that are due before the end of the Shemita year, any loans given after the first of Elul are not affected by this Halacha. Hence, so long as one writes a Prozbul at some point during Elul, he may collect all his debts after Rosh Hashanah without concern.Summary: During the month of Elul of a Shemita year, one who is owed money must sign a Prozbul document, whereby he transfers his loans the Bet Din, which allows him to then collect the loans after Rosh Hashanah. He must make a declaration to this effect in the presence of two witnesses, who then sign the document. The document should preferably specify the name of the Bet Din and the names of its judges. One may sign the document either by day or by night, and it is valid even if the lender is a family relative of the signatories or the judges.Visit www.iTorah.com to download the Prozbol form.

Summary: During the Olympics this past week, we were unexpectedly forced to deal with some pretty serious issues of mental health, an issue that has been tucked in the closet for far too long. This week we encounter the prophet Elijah's struggle with mental health and God's gentle but profound way of helping him deal with it. 

Many Torah sages of the earlier generations would recite the Tikun Hasot prayer at or after midnight every night, mourning the destruction of the Bet Hamikdash, the death of the righteous Sadikim, and the exile of the Jewish people and the Shechina (Divine Presence). Students of Rav Yaakob Haim Sofer (Baghdad-Israel, 1870-1939) witnessed their Rabbi entering a room at night and weeping bitterly over the destruction. This was reportedly the practice of the Hatam Sofer (Rabbi Moshe Sofer of Pressburg, 1762-1839), as well. And it is told that Rabbi Yehuda Asad, author of the famous work of responsa Yehuda Yaale, would collect the tears he shed while reciting Tikun Hasot and perform different kinds of miracles with them.The Arizal (Rabbi Yishak Luria of Safed, 1534-1572) taught that one should especially make a point of reciting the Tikun Rahel portion of Tikun Hasot at or after midnight each night during the three-week period between Shiba Asar Be'Tamuz and Tisha B'Ab. More generally, it is proper for everyone to designate some time each day and/or night to contemplate the tragedy of the Hurban (destruction of the Temple and Jerusalem) and pray for the Temple's restoration.A student posed an interesting question to Hachan Ben Sion Abba Shaul (Israel, 1923-1998) regarding the recitation of Tikun Hasot. This student felt that if he would recite Tikun Hasot in the middle of the night, he would be unable to wake up in time to recite the morning Shaharit prayer "Ke'vatikin" – at sunrise. The question thus arose whether it would be preferable for him to not recite Tikun Hasot so he could wake up in time to pray at sunrise, or to recite Tikun Hasot and pray Shaharit at a later time in the morning. (Of course, he would ensure to recite Shema and the Amida prayer before the final times for these recitations.) Is it more important to recite Tikun Hasot, or to pray "Ke'vatikin," reciting Shema just before sunrise and the Amida and sunrise?The Rambam (Rabbi Moshe Maimonides, Spain-Egypt, 1135-1204), in a famous ruling, maintained that praying Shaharit later than sunrise has the status of "Bedi'avad." This means that although one fulfills his obligation if he prays at that time, one must try to pray earlier, at sunrise. In the Rambam's view, one must endeavor to recite Shema just before sunrise and begin the Amida at sunrise, despite the fact that one who prays later nevertheless fulfills his obligation. The Shulhan Aruch does not follow this view, and rules that praying "Ke'vatikin" constitutes a "Misva Min Ha'mubhar" – an especially high standard of observance, rather than a strict requirement. According to Halacha, then, although it is certainly commendable to pray at sunrise, one is not required to do so.Therefore, Hacham Ben Sion Abba Shaul ruled that it is preferable to recite Tikun Hasot even at the expense of praying "Ke'vatikin." Since, as mentioned, praying at sunrise is not a requirement, but rather an exceptionally high standard of observance, it does not override the important practice of Tikun Hasot. He therefore ruled that a person should recite Tikun Hasot even if this will preclude the possibility of his waking in time to pray at sunrise.Summary: During the "three weeks," one should make a point of allocating some time each day and/or night to contemplate the significance of the Temple's destruction. Preferably, one should recite the Tikun Rahel section of Tikun Hasot prayer each night at midnight (or later in the night) during the "three weeks," even if this will preclude the possibility of his waking up early enough in the morning to pray Shaharit "Ke'vatikin" (at sunrise).

If you're an active menopausal woman, you may wonder, is intermittent fasting for me? Because, let's face it, we're not immune to weight gain or belly fat. And your exercise needs may have changed while your habits have not. I'm not going into optimal exercise & protein habits a great deal today (though I am in an upcoming Masterclass and I'll put the link in the show notes so you can join me on June 9). IF Again?  I've covered Intermittent Fasting (IF) at Flipping 50 for years. You can search on the site to find the blogs and podcasts Already there. I'm doing this update though because as we head into summer, we all tend to be far more active. I don't want your summer fitness or healthy eating plan sabotaged. This is going to start off quite science geek. Hang in there. It comes down to kisspeptin, is a neuropeptide that's responsible for sex hormones and endocrine and reproductive function, which also plays a significant role in maintaining healthy glucose levels, appetite regulation, and body composition. It's also more sensitive in women than men. When it's disrupted, our sex hormones aren't produced and released the way we need them to be. [Stacy Sims, drstacysims.com] Intermittent fasting and keto both disrupt kisspeptin production. When your brain perceives you have a deficiency in nutrients, especially carbohydrate, women have a marked reduction in kisspeptin stimulation, which not only increases your appetite*, but also reduces your sensitivity to insulin. *Remember the increase in appetite may not happen from IF alone, but from combination of “more” exercise and IF, especially if you're restricting calories. IF science is NOT about caloric restriction, but a restricted eating window. We're Different  Research shows intermittent fasting is more likely to cause impaired glucose intolerance in women, but not men. What happens when you layer exercise stress on top of the stress of denying your body fuel? Stress hormones like cortisol rise even higher. As you keep increasing that stress, it keeps your sympathetic drive high and reduces your ability to relax. As a result, your thyroid* activity is depressed, which will disrupt your menstrual cycle if you're still cycling. Your body also starts storing more belly fat. *normal test results, and typical lab tests are not enough information for thyroid – know what you want to test and interpret “optimal” levels with a health coach or a functional doctor Unintentional Mistakes You Don't Realize or Deny What happens when you do an interval training session, then a strength training session, then go for a long walk? You've made high intensity anaerobic work an endurance event. That's problematic, especially if you fail to eat. As a woman in midlife, you're more sensitive to endurance exercise' having negative effects on cortisol. You decrease benefits of the HIIT, and the muscle boosting benefits of strength training since cortisol breaks down muscle and causes fat storage. You may be sabotaging your results. If you're a “more is better” thinking woman, you may struggle with weight loss because the “additive nature” of stringing all that activity together is not the same as a regular frequency dose. You would never take an entire bottle of vitamins or prescription medicine at once, right? So now you're likely to experience disrupted menstrual cycles, higher anxiety and stress, impaired (exercise) performance and often weight gain—not what you signed up for?! But Diets Work for Some Active Menopausal Women? Sometimes women will contend that these diets work so well for them. And they might for the first three months, because nearly any diet will yield some effects in the short term. The long term effects for female athletes, however, is endocrine dysfunction, increases in abdominal fat, more depression, and a backlash of subsequent fat gain. Female athletes perform far better in a fed state. Female athletes need to eat. If you intentionally exercise 3-5 days a week with a desired result, you qualify as an “athlete.”There does not need to be a registration fee or starting line. Keep something in mind when you see “athletes” or models that “appear”  thin or have bodies you envy. Many figure competitors, endurance sport female athletes, and models have thyroid, and infertility issues. Many drive themselves to adrenal fatigue. Health isn't their goal. Working, participating, or winning competitions is. Women who want “thin” or are desperate for “weight loss” can fall into the same trap. Abandoning health for temporary weight loss often brings fat storage with a vengeance. Thinking, “when I lose the weight” then I'll change, never works. What got you here will never get you there. Safe Fasting guidelines recommended for all (except those with adrenal fatigue). 3 Meals no snacks, and a minimum 12-hour overnight fast. For women, the first meal should be high protein, lower in carbs and occur in the morning hours. Beyond this, whether you'll benefit depends a great deal on your current status. Gradually increase the overnight fast to 13, 14, or up to 18 hours keeping in mind morning meals. There is a difference between fasting and keto. Anything with calories breaks a fast. Consuming fats can keep you in ketosis where the premise is to burn fat. An alternative to IF timing: Alternating days of lower calories with days of higher calories is sometimes suggested. Those lower calorie days should be on low exercise days. However, the 24-hour period after a challenging HIIT or strength training workout should be plentiful in protein to benefit muscle protein synthesis and repair. If IF options begin to feel like a “diet” and you've crossed a threshold where the energy reserves are low enough your body's stress adaption kicks in, fat storage is more likely. You can't both store and burn fat. NOTE: Caffeine elevates cortisol and can also spike blood sugar. In midlife, more susceptibility to stress and cortisol may make “nothing but coffee” ‘til noon a fat bomb. Recall that as mentioned, the body sensing low fuel reserves will increase cortisol, and fat storage. Summary: During menopause insulin sensitivity commonly decreases (making you more insulin resistant) and may be encouraged by IF and or keto alone and amplified when combined, especially in active women. Other Solutions: Mediterranean Diets tend to be easy to stick to, and support heart health, as well as optimal weight. I recently interviewed Dr Steven Masley where we discussed it.  References: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4818825/ https://www.mdpi.com/2072-6643/12/4/1029/pdf Effects of intermittent fasting on health, aging, and disease. de Cabo R, Mattonson MP. New England Journal of Medicine, December 2019. Effect of Alternate-Day Fasting on Weight Loss, Weight Maintenance, and Cardioprotection Among Metabolically Healthy Obese Adults: A Randomized Clinical Trial. JAMA Internal Medicine, May 2017. Alternate-day fasting in nonobese subjects: effects on body weight, body composition, and energy metabolism. American Journal of Clinical Nutrition, January 2005. The Obesity Code, by Jason Fung, MD (Greystone Books, 2016). Intermittent fasting interventions for treatment of overweight and obesity in adults: a systematic review and meta-analysis. JBI Database of Systematic Reviews and Implementation Reports, February 2018. Metabolic Effects of Intermittent Fasting. Annual Review of Nutrition, August 2017. Early Time-Restricted Feeding Improves Insulin Sensitivity, Blood Pressure, and Oxidative Stress Even without Weight Loss in Men with Prediabetes. Cell Metabolism, May 2018.    

Summary During his recent trips to both sides of the U.S.-Mexico border, Todd Bensman, the senior national security fellow at the Center for Immigration Studies, spoke with human smugglers and their migrant customers, as well as border agents and local residents. Bensman shares their stories about the consequences of U.S. policies that have caused the […]

  SUMMARY  During today's episode, we go behind the door of the Ark!   Mr. Eddie Lutz, Senior Manager of Sales at the Ark Encounter and the Creation Museum, joins Aaron Cronk and Jay Proffitt for a discussion about this amazing full-sized replica of the biblical Ark built by Noah.     Eddie shares with us the vision of the Ark Experience, the dimensions of the Ark, and a story about its construction.  He also gives the audience the layout of the Ark and its exhibits and talks about the on-site zoo.  There is also some reference to the Creation Museum – the sister site of the Ark Encounter just down the road.    We also have some resource links for you where you can find materials to share with your family, friends, and churches to encourage your faith and knowledge of God's wonderful plan of redemption for mankind.     CALL TO ACTION:  Read Genesis 1 – 11 for the basis for all biblical doctrines  Plan your visit to The Ark Encounter and The Creation Museum  LINKS:  - The Ark Encounter  https://arkencounter.com/    - The Creation Museum  https://creationmuseum.org/    - Answers in Genesis  With information on curriculum, VBS (Vacation Bible School), conferences, and the books, movies, and more.  https://answersingenesis.org/  - American Christian Tours - “The Pilgrimage Tour” referenced in the podcast  https://www.acts-tours.com/product-page/the-pilgrimage    KEY WORDS:  American Christian Tours, ACTS, Behind the Tour, the Ark Encounter, the Creation Museum, Answers in Genesis, The ACTS Pilgrimage Tour, Noah's Ark   

Géraldine Fauville, PhD, joins Lorenzo Norris, MD, to discuss some of the causes of Zoom fatigue and strategies that can make videoconferences productive. Dr. Fauville is the lead researcher on the Zoom Exhaustion & Fatigue Scale project. She also is assistant professor in the department of education, communication, and learning at the University of Gothenburg (Sweden). Dr. Fauville has no disclosures. Dr. Norris is associate dean of student affairs and administration at George Washington University, Washington. He has no disclosures. Take-home points Dr. Fauville started her research on Zoom fatigue in the Virtual Human Interaction Lab at Stanford (Calif.) University, founded by Jeremy N. Bailenson, PhD. The lab has pioneered research on the common but poorly understood phenomenon of Zoom fatigue.  Videoconferencing, often through Zoom, has allowed people to connect throughout the pandemic, but there are features of this modality that can contribute to stress, and for many, social anxiety. Dr. Fauville and Dr. Norris discuss Zoom fatigue and which dynamics of videoconferencing contribute to a sense of anxiety, fatigue, and affect our general wellness in a society that has come to rely on videoconferencing as a primary form of communication and central to parts of our economy during the pandemic.  Dr. Fauville discusses how the size of faces on the screen and feeling observed activate anxiety and stress. Constant mirroring from seeing yourself reflected from the camera onto a screen can lead to self-judgment and negative emotions. Loss of traditional nonverbal communication and being forced to pay attention to verbal cues or exaggerate gestures can increase the cognitive load associated with conversations that occur via videoconference. Videoconferencing also restricts mobility, because people feel tethered to a small area within their camera’s view where they can be seen.  Summary During an in-person meeting, people will stare at you while you’re speaking, but on videoconferencing it can feel as if all eyes are on you the whole time, which contributes to stress and social anxiety.  Dr. Fauville discusses the “large face” dynamic; if these conferences were real-life interactions, it would be like having a very large face just a few inches from ours,  which can feel like an invasion of privacy. For the brain, having a face in close proximity to yours signals either a desire for intimacy or conflict.  Recommendation: Minimize the videoconferencing application as much as possible and keep the size of the faces smaller.  Zoom and other platforms lead to “constant mirroring.” Seeing our own image can result in persistent self-evaluation and judgment, which can contribute to anxiety and negative emotions.  Recommendation: Keep your camera on but hide self-view; doing so can combat this constant mirroring. Videoconferencing has severely limited mobility during meetings, which make people feel trapped in the view of the camera.  Recommendation: Using a standing desk allows for more freedom from the view of the camera. You can stretch your legs, walk around in the view of the camera, and create distance, especially if you have an external keyboard.  Nonverbal communication and behaviors are essential cues between humans. Videoconferencing that focuses on head and shoulders diminishes a large portion of body language. Videoconferences are more taxing for the brain than audio-only communication because people have to be even more in tune to the cues in speakers' verbal tones, and some nonverbal cues, such as nodding, become exaggerated.  Recommendation: Organizations should create guidelines aimed at mitigating Zoom fatigue. Suggestions include allowing people to turn off their cameras for portions of meetings or didactics, having a mix of audio/telephone and video meetings, and assessing whether the information from some meetings can included in email messages or shared documents.  Dr. Fauville and colleagues created the Zoom Exhaustion & Fatigue Scale (ZEF Scale) to quantify the phenomenon. Fifteen items on the scale focus on five dimensions of Zoom fatigue, such as general, visual, emotional, social, and motivational fatigue.  Part of the evaluation of Zoom fatigue should include examining how many videoconferences you have per day, the amount of time between each, and how long the conferences last.  References Ramachandran V. Stanford researchers identify four causes for ‘Zoom fatigue’ and their simple fixes. Stanford News. 2020 Feb 23. Fauville G et al. Zoom Exhaustion & Fatigue Scale. SSRN.com. 2021 Feb 23. Bailenson JN. Nonverbal overload: A theoretical argument for the causes of Zoom fatigue. Technology, Mind & Behavior. 2021 Feb 23;2(1). doi: 10.1037/tmb0000030. Zoom Exhaustion & Fatigue Scale survey: https://vhil.stanford.edu/zef/ *  *  * Show notes by Jacqueline Posada, MD, associate producer of the Psychcast; assistant clinical professor in the department of psychiatry and behavioral sciences at George Washington University in Washington; and staff physician at George Washington Medical Faculty Associates, also in Washington. Dr. Posada has no conflicts of interest. For more MDedge Podcasts, go to mdedge.com/podcasts Email the show: podcasts@mdedge.com

Summary: During this time of moratorium madness, it’s becoming more and more difficult to enforce leases and do your job as a property manager. Our guests, Tracy Minick and Katherine Swanberg from Real Estate Gladiators know your pain. In this episode of The Property Management Show, we’ll discuss the way property management’s role has changed […] The post Property Management During Moratorium Madness appeared first on Fourandhalf Marketing Agency for Property Managers.

Devs Like Us Episode 16|Summary: During episode 16 the cast welcomes in the first episode of the new year by sharing their goals and by also sharing current headline developer news from Apple, Microsoft, CES, and OpenHab.   News:  1. Google workers announce plans to unionize:  https://www.theverge.com/2021/1/4/22212347/google-employees-contractors-announce-union-cwa-alphabet  2. Apple launches major new Racial Equity and Justice Initiative projects to challenge systemic racism, advance racial equity nationwide:  https://www.apple.com/newsroom/2021/01/apple-launches-major-new-racial-equity-and-justice-initiative-projects-to-challenge-systemic-racism-advance-racial-equity-nationwide/  3. Microsoft’s Project Latte should bring Android apps to Windows 10  https://developer-tech.com/news/2020/nov/30/microsoft-project-latte-android-apps-windows-10/  4.Smart home projects :   https://github.com/openhab  Let's startup annual planning workbook by Janine Sickmeyer:  https://gumroad.com/l/annual-planning-workbook  Social:  Website: https://devslike.us Instagram: @devslike.us  Cast on Twitter:  Terrence: @tpugh_  Clarence: @cedmonds_2 --- Send in a voice message: https://anchor.fm/devslikeus/message Support this podcast: https://anchor.fm/devslikeus/support

Seinfeld Episode 2 (Season 5) Summary: “During dinner with Kramer’s low-talking girlfriend, Jerry unwittingly agrees to wear a puffy shirt for his upcoming “The Today Show” appearance.”Original air date: September 23, 1993“But I don’t wanna be a pirate!” From the puffy shirt to Jerry Stiller’s first appearance (in shooting order - the season 4 appearance was a re-shoot for syndication) as Frank Costanza, this is such a memorable and funny episode, but it isn’t perfect! Find out what holds it back from true greatness as we break it down scene by scene!Let us know what you think of our review on our social media channels!—————————————Our COMPLETE show archive can be found exclusively at patreon.com/CartwrightFollow us on Facebook: facebook.com/cartwrightpodcastThis podcast is part of the BFOPNetwork.com

The Mishna Berura (Rav Yisrael Meir Kagan of Radin, 1839-1933), at the end of the Halachot of the Three Weeks, mentions the practice to recite special prayers each afternoon during this period mourning the destruction of the Bet Ha’mikdash. This is a time-honored custom, particularly among Sephardic communities. The students and faculty of Yeshivat Porat Yosef, which used to be situated in the Old City of Jerusalem, would go to the Kotel each day during this period to recite these prayers. The Arizal (Rav Yishak Luria of Safed, 1534-1572) would not recite a particular text when saying these prayers, but the accepted custom is to recite the Tikkun Rahel text.These prayers should not be recited at times when Tahanunim are not recited – Friday afternoon, Shabbat, Rosh Hodesh Ab, and Ereb Rosh Hodesh Ab. The Ben Ish Hai (Rav Yosef Haim of Baghdad, 1833-1909), in Parashat Debarim, writes that this prayer should be recited on the afternoon of Ereb Tisha B’Ab, even though Tahanunim are not recited on Tisha B’Ab (and we do not recite Tahanunim on the afternoon before a day when Tahanunim are omitted). He argues that since Tisha B’Ab is, of course, the primary day of mourning, such prayers are most appropriate in the preceding afternoon. Nevertheless, Hacham Bension Abba Shaul (Israel, 1924-1998) writes that the custom is not to recite Tikkun Rahel on the afternoon of Ereb Tisha B’Ab.It is also customary to recite the traditional Tikkun Hasot prayer, mourning the destruction of the Bet Ha’mikdash, every night throughout the year, at Halachic midnight. This follows the Shulhan Aruch’s exhortation (Orah Haim 1:3), "It is worthy for every G-d-fearing person to be distressed and concerned about the Bet Ha’mikdash." The Hatam Sofer (Rav Moshe Sofer of Pressburg, 1762-1839) had a group of students recite Tikkun Hasot on Thursday nights, and appointed a special Hazzan to lead this service. Once, a different Hazzan led the service, and he did not cry as he recited the prayers. The Hatam Sofer said that if this Hazzan did not cry during Tikkun Hasot, then he must belong to the followers of the false messiah, Shabbtai Sevi. The Steipler Gaon (Rav Yaakob Yisrael Kanievsky, 1899-1985) said that Tikkun Hasot was recited in Nevarduk. The Rashash (Rav Shalom Sherabi, Yemen-Israel, 1720-1777) warned that sleeping through Hasot (Halachic midnight), instead of waiting to recite Tikkun Hasot, can bring impurity upon a person, Heaven forbid. Moreover, Hacham Bension Abba Shaul writes that if a person knows that he would be unable to wake up to pray Shaharit at Netz (sunrise) if he stays awake to recite Tikkun Hasot, then he should nevertheless recite Tikkun Hasot, even at the expense of praying at Netz. Hacham Bentzion explains that the Shulhan Aruch regards praying at Netz as a "Misva Min Ha’mubhar" – an especially high standard of performing the Misva, but not an outright Halachic requirement. This is in contrast to the Rambam (Rav Moshe Maimonides, Spain-Egypt, 1135-1204), who maintained that one must read Shema at Netz, and it is only Be’di’abad (after the fact), if one did not read Shema at Netz, that he may fulfill the Misva later (until the end of the third Halachic hour of the day). Halacha follows the Shulhan Aruch’s opinion, and therefore, if one must choose between Tikkun Hasot and praying at Netz, he should recite Tikkun Hasot and pray Shaharit later in the morning.Significantly, Hacham Bension writes in a different context that praying at Netz is so valuable that it takes precedence over praying with a Minyan. Meaning, if a person has the option of praying privately at Netz, or praying with a Minyan later, then in Hacham Bension’s view, he should pray privately at Netz. It thus emerges that according to Hacham Bension, reciting Tikkun Hasot is even more important than praying Shaharit with a Minyan. He ruled that Tikkun Hasot takes precedence over praying at Netz, and that praying at Netz takes precedence over praying with a Minyan, seemingly implying that Tikkun Hasot takes precedence over praying with a Minyan. Conceivably, this would mean that if a person was in a situation where he would be unable to pray Shaharit with a Minyan if he recites Tikkun Hasot, he should nevertheless recite Tikun Hassot. Perhaps we would not go that far as a practical matter, but this discussion underscores the importance and value of reciting Tikkun Hasot, and reminds all of us to make this recitation part of our nightly routine, particularly during the period of Ben Ha’mesarim.Summary: During the period of Ben Ha’mesarim (the three weeks from Shiba Asar Be’Tammuz through Tisha B’Ab), it is customary to recite every afternoon the Tikkun Rahel prayer mourning the destruction of the Bet Ha’mikdash. This prayer should be recited each afternoon during the Three Weeks except Ereb Shabbat, Shabbat, Ereb Rosh Hodesh Ab, Rosh Hodesh Ab, and, according to some opinions, Ereb Tisha B’Ab. Throughout the year, one should ensure to recite the Tikkun Hasot prayer at Halachic midnight to mourn the destruction of the Bet Ha’mikdash. This should be recited even if one would then be unable to arise early to pray Shaharit at sunrise.

Candrice R. Heath, MD, and Nicole B. Washington, DO, MPH, spoke with Psychcast host Lorenzo Norris, MD, about physician mental health. Dr. Heath is affiliated with Temple University Hospital, Philadelphia. She has no disclosures. Dr. Washington disclosed serving as chief medical officer and founder of Elocin Psychiatric Services, a telemedicine company that provides care to physicians. Dr. Norris is a consultation-liaison psychiatrist and medical school dean affiliated with George Washington University, Washington. He has no disclosures. And stick around for Renee Kohanski, MD, who talks about expectations. Take-home points Physicians often delay seeking mental health treatment. Compared with the general population, the risk of suicide is 2.27 times higher in female physicians and 1.4 times higher in male physicians. The COVID-19 pandemic has created additional risk factors for all physicians, including those on the front lines and others whose clinical practices and home lives have changed because of the pandemic. Prevention and mitigation of mental illness start with understanding your own risk factors and stressors and trying to address them before they become overwhelming. Summary During the best of times, physicians are at risk for anxiety, depression, and substance use disorders. The syndromes of demoralization and burnout should be seen as prodromes to clinical diagnoses, such as major depressive disorder. An estimated 300-400 physicians die from suicide each year. Prevention of mental illness starts with identifying one’s stressors, such as balancing personal and professional demands on time; knowing one’s risk factors, such as a history of substance use and previous episodes of distress or psychiatric diagnoses; and thinking about the phases of disaster response. When it comes to the COVID-19 pandemic, are you surging with adrenaline, hitting a plateau, or experiencing a decline? Dr. Washington suggests that her patients focus on what they can control in their lives, because uncertainty and loss of control of our usual routines contribute to stress, anxiety, and fatigue. It is also helpful to reflect on past periods of hardship and resilience to identify strengths and previous strategies used to overcome challenges. Physicians who are not on the front lines are experiencing different forms of hardship, such as financial stress from furloughs and loss of patient volume. There may also be guilt about not addressing the pandemic in the same way as frontline physicians. Even without direct patient care of COVID-19, it must be acknowledged that the impact of the pandemic is everywhere. Most physicians delay seeking mental health treatment. This may particularly occur for physicians with better “lifestyles,” such as dermatologists, who some may view as suffering less. This pandemic is a reminder that all physicians need to take care of themselves, regardless of specialty. We are all adjusting to the “new normal,” so in times like this, it is helpful to seek practices such as mindfulness and “radical acceptance,” the latter of which is part of dialectical behavior therapy. Accepting reality with judging and setting expectations at a realistic level can help prevent suffering. References Phases of disaster timeline: https://www.samhsa.gov/dtac/recovering-disasters/phases-disaster American Psychiatric Association Well-being Toolkit: https://www.psychiatry.org/psychiatrists/practice/well-being-and-burnout/well-being-resources Radical acceptance by Tara Brach, PhD: https://www.youtube.com/watch?v=_K35O3G82L4 Facts about physician suicide: https://www.acgme.org/Portals/0/PDFs/ten%20facts%20about%20physician%20suicide.pdf *  *  * For more MDedge Podcasts, go to mdedge.com/podcasts Email the show: podcasts@mdedge.com

Summary: During today’s episode of Raw and Real, host Linda Piazza continues the conversation of memories of people we have lost. Linda tells her listeners stories and memories she has of multiple people she has lost, including her parents, sister, and close friends. Linda feels that holding onto these memories and sharing them is a very important part of the grieving process and helps to keep them alive.Episode Highlights: Linda believes that a critical part of the grieving process is carrying the memories of people you have lost.Linda is grateful for her faith and the role it plays in grieving and moving on from the loss.Linda comes from a very large family, and so has also experienced many personal losses in her life.Linda talks about some of the people she has lost, including her father-in-law, and shares some memories she has of them.Linda shares some memories of her father-in-law close to his passing where they joked about some traditions she brought into their family.Linda also shares memories about Nena, who she met when she was working at a car dealership.Nena left behind an 18-month-old son, and Linda loves to share her memories of Nena with him to help him know his mom.Linda also shares her memories of a woman named Ruby, and the time she broke Ruby’s garbage disposal.Ada was another friend of Linda’s, and Linda shares multiple memories about her.Linda lost her mom in 2010, her dad in 2014, and her sister in 2019, and she tells some stories about each of them.Linda share thoughts and memories of her Godmother ElaineWithout sharing these memories, Linda feels that another little piece of the people dies every day.Sharing stories can help others build memories and pictures of people, even if they may not remember them or if they never met.3 Key Points:Linda believes that faith plays a very important role in coping with loss.Linda shares her memories of multiple important people in her life.Sharing memories of people you have lost is a way to keep them alive.Resources Mentioned: Linda’s Twitter: https://twitter.com/sassy_yankeeRaw and Real Podcast: https://rawandrealpodcast.podbean.com/Facebook: https://www.facebook.com/podcastrawandreal 

Mental Models discussed in this podcast: Dividend Aristocrats Dividend Growth Investing Discount Rates Please review and rate the podcast If you enjoyed this podcast and found it helpful, please consider leaving me a rating and review. Your feedback helps me to improve the podcast and grow the show's audience.  Follow me on Twitter and YouTube Twitter Handle: @TreyHenninger YouTube Channel: DIY Investing Support the Podcast on Patreon This is a podcast supported by listeners like you. If you'd like to support this podcast and help me to continue creating great investing content, please consider becoming a Patron at DIYInvesting.org/Patron. You can find out more information by listening to episode 11 of this podcast. Show Outline The full show notes for this episode are available at https://www.diyinvesting.org/Episode70 Current Clearance Sale on Oil Major Stocks As of recording on March 20th, the oil majors trade with the following dividend yields: ExxonMobil $33 per share, $3.48 dividend, 10.5% yield Dividend Aristocrat = 37 consecutive years of dividend increases Uninterrupted dividends since 1882 Chevron $58 per share, $5.16 dividend, 8.9% yield Dividend Aristocrat = 32 consecutive years of dividend increases Uninterrupted dividends since 1912 Royal Dutch Shell $24 per share, $3.76 dividend, 15.6% yield BP $18 per share, $2.52 dividend, 14% yield TOTAL $27 per share, $2.93 dividend, 10.8% yield Summary: During stock market crashes correlations tend to go to 1 and many stocks trade together, both the good and the bad. Market dislocations like this, therefore, offer many opportunities to buy individual stocks at great prices. Today offers that opportunity in the oil supermajors. You have the ability to buy companies at double-digit dividend yields that have raised their dividend every year for over 30 years. This is a once in a 50-year occurrence in the oil industry. Other References: Episode 12 of the DIY Investing Podcast on Oil Majors 2015 Oil Stock Clearance Article Joshua Kennon's review of investing in oil majors

Podcast Transcript:  https://chadd.org/podcasts/guidance-for-uncertain-times-tips-for-creating-adhd-friendly-home-environment/   Summary:  During this uncertain period, families, parents, and children have struggled with creating an ADHD friendly home. There are added stressors with online education and working from home. Interventions and treatment for ADHD may have become unclear. Families may have more conflict now that everyone is at home and having a hard time coping. Students are struggling with finding ways to stay focused and learn while at home. This also includes the parents' struggle of finding ways to best help their children.   Dr. Margaret Sibley discusses different strategies for online learning, along with strategies to maintain an ADHD friendly home. She provides information on ADHD medication and options for interventions and services during this time, and helps parents understand what their children are going through and how to be an outlet of support.   Margaret H. Sibley, PhD:  Dr. Margaret Sibley is an Associate Professor of Psychiatry & Behavioral Sciences at the University of Washington School of Medicine and Seattle Children's Research Institute. Dr. Sibley's work focuses on the diagnosis and treatment of ADHD in adolescents and young adults. She has authored or co-authored over 80 scientific papers on ADHD and published a book with Guilford Press on treating executive functioning and motivation deficits in teens. She is a member of the CHADD professional advisory board.  

Summary: During college, we can have lots of fun, but also we can be put in situations where we don't know what to do. During this episode, Kelsey Hancock from the Office of Violence Prevention shares a story from her past that led her to help teach about interpersonal violence prevention, and then she shares information about how TU students can take advantage of the on-campus resources that Kelsey and her office offers. https://utulsa.edu/sexual-violence-prevention-education/

Seinfeld Episode 12 (Season 2) Summary: “During the gang's meal at a restaurant, a busboy is fired and George seems to be the blame. Kramer helps George try to make things right with the busboy while Elaine faces the reality of having a boyfriend visit for a week.”Original air date: June 26, 1991On this week's episode of Cartwright! Adam and Corey discuss the Seinfeld season 2 finale, “The Busboy.” Not the strongest episode for the sitcom to end on and it show's in their conversation, but the boys always have a good time talking about Jerry and the gang's ridiculous exploits!Make sure to follow us on Facebook and please rate and review our show on Apple Podcast!You can support the show on Patreon: www.patreon.com/CartwrightThis podcast is part of the BFOP Network

What do you know and what does your character know, and where do those knowledge bases overlap?  The conversation this week points our Dungeon Masters toward one of the most controversial topics in the D&D community: Meta-Gaming.  They tackle the pros and cons before moving on to discuss character motivations and how they may be contrary or complementary to player motivations.  The podcast wraps by talking about immersion in the world and how to achieve it. SUMMARY: During this episode of the It's A Mimic! podcast, the Dungeon Masters discuss when, why, and how characters can make logical estimates outside of the mechanical aspects of the game and breathe within the imaginary realm of their respective game.  Adam decides to stick his neck out and defend Meta-Gamers, and then Dan turns the conversation to what players and DMs should do if a character's objections are wrapped up and their story naturally ends mid-campaign. They start digging deeper and Terry addresses the idea that roleplaying should affect alignment and not the other way around.  Other questions that get answered are: What ways are there for your character think about the mechanics smiting or sneak attacking? When can you use Arcana, History, Nature, Religion checks to determine a character's knowledge? How long should conversations be between characters be in the middle of combat? Should you keep secrets from your Dungeon Master?  How often should you use magic items? How much does a player's decision-making process affect the campaign? Shout Outs: @20sidedlife Available On: iTunes | Spotify | Podbean | YouTube Don’t forget to Like/Follow/Subscribe/Whatever when you listen! Links: Facebook | Instagram | Twitter Email: info@itsamimic.com Intro/Outro Music by: Cory WiebeShout Out Music by: Isaac CallenderLogo by: Kate Skidmore

Summary:During the 44th episode of the Fintech Impact podcast, Jason Pereira, award-winning financial planner, university lecturer, writer, sits with Andrew Ostro, Co-founder and CEO of PolicyMe. Andrew shares how his digital tool, Policy me, is changing the face of life insurance. Jason and Andrew discuss how the tool is streamlining and reinventing an industry that has a bad reputation of customer service and marginsShow Notes:● :30—Introduction of Guest Andrew Ostro, CEO of Policy Me● 1:00—PolicyMe is a digital life insurance advisor. They allow the customer get the best price for what they need.● 1:50— Andrew worked as an actuary and within the insurance industry. Insurance is historically technologically behind.● 3:00—There are some principles of the industry didn ́t influence change.● 4:20— Agents tend to maximize their revenue rather than focusing on the clients protection.● 5:00— Meeting with advisors can tend to be a large time suck. Policy Me tries to reduce the time spent on finding the ideal policy for you.● 6:00— If insurance is expensive, they shouldn’t buy what they don't need. Policy Me is advising on this.● 7:47— Policy Me is supported by companies because they act as a broker (middleman) rather than replacing.● 10:15— Intelligence behind risk factors doesn't necessarily do much for the policy. No good data on companies accepting risks.● 14:00— Policy Me is currently focusing on advice and later moving to the product solution.● 15:00— Policy Me seeks to optimize their questions to give quality advice in less time.● 16:00— The advice of the tool is based on customer objectives.● 21:00— Policy Me has a streamlined process that speeds up issuing insurance policy.● 22:18— The break down the process to make it simple. Their focus is on the onboarding/activation side. We recognize that the process needs to be supported by a human advisor. Customers can contact them 24/7.● 24:20— A lot of customers are going through the tool and enrolling immediately. There is always room to improve the process.● 27:08— The biggest challenges starting this was trying to do too much too early. It was culturally hard to overcome as a mindset.● 29:30— The major thing to improve in the insurance industry is streamlining the process.● 32:00— Policy Me wants to get it across that they are trying to give quality advice. The strategy to do this is with marketing and branding.● 33:00— Life insurance can be the difference between a family going into poverty after a death and surviving the hardship.3 Key Points:1. Life insurance has tended to be a clumsy industry where advisors put their profits ahead of their clients objectives. 2. Meeting with an advisor can be time consuming. PolicyMe is a digital platform that allows you to compare, pick, and enroll in a life insurance policy while getting the best price. 3. Life insurance can be the difference between a family overcoming a hardship or entering poverty. PolicyMe prides itself in providing quality, unbiased advice that clients can take action on immediately.Tweetable Quotes:- “If you are proud of your first launch, you launched too late.” –Andrew.- “The big issues we are seeing with life insurance is 1- getting bad advice 2- customer experience wasn’t great.” – Andrew.- “Life insurance is an incredible product when you look at what it does for society. It can bethe difference between a family going into poverty or continuing to live their life after death” – Andrew.Resources Mentioned:● The Fintech Impact● Itunes to access the podcast● Refer to Jason Pereira ́s Linkedin for Information about the Fintech events● Woodgate Financial● Andrew Ostro● PolicyMe See acast.com/privacy for privacy and opt-out information.

Summary: During this 15th episode of the Self Care Passport podcast, Janae Fletcher, self-care architect, quiet leader, personal and professional mentor, creator of the Self Care Passport process, and host interviews Karina Kayser, Sexual Assault Nurse Examiner, Massage Practitioner, Proprietor, Wedding Officiating, and HOPE Foundation Mentor. Karina mentors parents who have lost children. Janae and Karina talk about grief and how allowing yourself to feel all the emotions and how self-care plays an important role in navigating the ups and downs of grieving process. Show Notes: The 5 Stages of Grief: Denial, Anger, Bargaining, Depression, and Acceptance Give yourself space and grace wherever you are in your stages of grief Exercise as a tool for overcoming grief It is easy to neglect yourself when in grief Being in nature is one of the most healing arenas and environments Sleep doesn't ease emotions but it makes the day easier Ask loved ones to support you through the process Being sad is ok People will approach you not knowing how much their words can affect you (the griever) Intention behind words is very important What do you say to someone who is grieving? What do you need was a great question or offering presence helped--no words, simply being with the other person. HOPE--Helping Other Parents Endure foundation. Karina is a mentor for this foundation and is extremely grateful Bearing the unbearable when walking through grief with support Every year, Karina and her family do a random act of kindness on her grandaughter's ¨would-be¨ birthday, Christmas and angelversary. It keeps her memory alive. Doing rituals and having traditions is helpful Kindness is important when you are grieving During the holidays, it is even more obvious when someone isn't there. Remembering is important To pause and take pause is so important. It is ok to say no to events when you are grieving The griever needs to make a clear and concrete sentence about what they need in grieving It is important for people to understand how to be with you. Become part of your own process or reach out if you can. Grieving should be something that you do not have to do alone 3 Key Points: -Grief is a difficult emotion to navigate in a culture who strives for happiness. -Though grief isn't necessarily openly accepted, grievers must allow themselves space and grace to feel all of the feelings while going through the stages of grief. -No one should have to grieve alone. Reach out to loved ones, cherished friends or get connected to the outside resources, like the MISS Foundation.   Resources Mentioned: JanaeFletcher.com – Janae Fletcher website Self Care Passport Facebook page Five Stages Of Grief Brene Brown's video Sympathy vs Empathy MISS Foundation Compassionate Friends Selah House & Dr. Cacciatore

Summary:During the 43rd episode of the Fintech Impact podcast, Jason Pereira, award-winning financial planner, university lecturer, writer, sits with Dan Rosen, Co-founder and CEO of D1g1t. They discuss how D1g1t is improving the digital wealth managment side of advising. D1g1t is creating a tool that streamlines and desegments financial advising. The impact is huge.Show Notes:● :30—Introduction of Guest Dan Rosen, Co-founder and CEO of Digit.● 1:00—Digit is a new digital wealth management platform.● 2:16— Digit bridges the gap of lack of client-facing tools.● 4:20—The tool doesn ́t replace advisors but instead add value to the current human advisor.● 6:25— Of the three most important life questions, two of them are purely financial.● 9:00— Dan ́s experiential background from chemical engineering to alchemy. He shares how he arrived where he is today.● 13:30—The UI and UX of Digit is equal to none. It is a revolutionary product.● 14:47— If you find a true need, people will tell you what their painpoints are. All you need to do is listen.● 18:15— Digit allows financial advisors to have everything in one place. historically, the advising data and information is fragmented.● 19:20— Digits allows advisors to streamline and make their processes easier.● 20:00— The advisor claims that if they have the Digits platform they will take higher targets.● 21:10—Understanding your household is can make a huge impact on your planning.● 25:10— Automated solutions will fail in market volatility situations. Clients still need to talk to an advisor to figure out changes in portfolio.● 27:18— Financial education is still an important pillar to make the tool successful.● 28:40— Clients need to see your value.● 29:25— Clients need to know the context of the overall goal.● 34:30—No one builds something on their own. It is all about the team.● 37:10—Our tools have a direct impact on people, and that is a huge change in the industry.● 38:26— Dan gets excited about hte power of math has to change people ́s lives.3 Key Points:1. D1g1t is a digital wealth management tool having a huge impact on the FInancial Advisng industry. 2. The tool allow clients and advisors to see all the analytics and client information in one place. For a largely segmneted industry, this has a huge impact. 3. The tool isn ́t replacing advisors but rather allowing them to streamline their processes and hit higher targets.Tweetable Quotes:- “No one builds something on their own. It is all about the team.” –Dan. - “I think financial advisors are going to provide much, much better service and tools totheir clients when using analytics, and using good analytics, but not using analytics blindly.” – Dan. - “I look at the look at everything we do in life is being part of Mac the math, you know, the recorder I'm on right now. They tend to be a watch tonight. It's, you know, once you appreciate that, it's everything comes back to the numbers.” – Jason.Resources Mentioned:● The Fintech Impact●Itunes to access the podcast● Refer to Jason Pereira ́s Linkedin for Information about the Fintech events● Woodgate Financial●Dan Rosen●D1g1ts See acast.com/privacy for privacy and opt-out information.

Summary:During the 42nd episode of the Fintech Impact Podcast, Jason Pereira, award-winning financial planner, university lecturer, writer, welcomes Melissa Best, CEO and Founder of Quickestate. After 32 years as a money manager, Melissa leveraged her knowledge to create a tool to make estate settling easier for families. Quickestate is the company that resulted. It is a company that provides the software which allows for an easy estate settling process. The tool supports advisors in giving the best support to their clients and allows the information to be presented in an organized, actionable way. Melissa and Jason discuss the intricacies of settling an estate and how Quick Estate eases the settlement process.Show Notes:● 1:00—Quick Estate is a tool that allows people to organize their estate before disaster struck● 1:50—Melissa was a money manager as well as a portfolio manager for estates. The estate process was so painful for families.● 3:00—With do it yourself technology, Melissa empowered clients to easily take care of the estate.● 3:55—As the population ages, managers start getting more questions from clients. Many customers find themselves in the role of executive with no idea where to start.● 4:50—Quickestate is targeting advisors and other professionals.● 5:20—The response rate from advisors about the software has been great.● 6:00—Advisors are now able to give customers a better, holistic service thanks to Quickestate.● 7:00—If you have never been an executor of an estate, it can be a difficult role to navigate.● 9:00—Quick Estate helps organize, provide directions, and prevent conflict when settling an estate.● 13:40—It is important for the executor to know personal information, location of original legal documents, and assets and debts inventory.● 17:10—Quick Estate allows the executor to show up prepared and organized which reduces fees with the accountant substantially.● 19:50—All the advisors pay a basic licensing fee for the software or more if you are using a do-it yourself or concierge model.● 23:40—The spinoff benefits to the clients are excellent.● 24:52—Consolidating assets is also possible once you have the tool to see everything holistically. The tool can provide visibility to a lot of new opportunities● 26:00—One of the biggest challenges is trying to find the right developer to produce the right software.● 28:30—Melissa hopes more advisors see the difference this tool will provide their clients.● 28:50—Melissa has a passion for creating ease for families needing to settle an estate.3 Key Points:1. Settling an estate can be an intricate process that encompasses many steps. The process can last as long as two years.2. Quickestate is a company that provides software to promote an easy and successful estate settling process.3. Currently, the software is sold to advisors allowing them to support their clients more thoroughly through the process.Tweetable Quotes:- ̈Most estates take a minimum 2 years to settle .” –Melissa- “Managing the money is the executors most important job. ̈–Melissa- “The two problems for executors are not knowing where to start and procrastination.” – Melissa.Resources Mentioned:● The Fintech Impact● Itunes to access the podcast● Refer to Jason Pereira ́s Linkedin for Information about the Fintech events● Quickestate● Melissa Best● Woodgate Financial See acast.com/privacy for privacy and opt-out information.

Summary:During the 41st episode of the Fintech Impact podcast, Jason Pereira, award-winning financial planner, university lecturer, writer, welcomes George Bordianu, Co-Founder of Balance. Balance is a cryptocurrency solution that allows people to invest and diversify their assets. Balance offers customers simplicity and ease while navigating the cryptocurrency. Jason and George delve into the intricacies of cryptocurrency and how Balance solves customer pain points.Show Notes:● 0:50—Introduction of guest George Bordianu, Balance.● 1:00—Balance is the easiest way to invest in cryptocurrency.● 2:55—Balance was born out of frustration.● 4:40—There is no pool of money; there is clear distinction between each clients share.● 6:17—With Balance, you can buy a diversified portfolio with one click.● 7:24—People pay a little larger fee without having to worry about diversifying.● 8:40—There is a finite set of finance business models but there is an infinite number of scams.● 9:15—Unlike Robo-advising, Balance cannot talk about their risk. Balance exists just to provide access.● 11:00—Balance doesn ́t make decisions for their clients.● 12:39—Balance does all of the tech behind the scenes, but do not currently do rebalancing. Right now, rebalancing qualifies as advice.● 15:30—George wanted to build something that he would be comfortable investing his own money.● 16:10—Balance offers their customer solution to individuals as well as businesses.● 17:50—Cold Storage means that your keys get stored offline. Your crypto is secure in this storage method. Some companies even go as far as holding paper copies.● 20:10—Balance doesn't ́t charge for monetizing or transferring your money. It is transparent with their fees.● 22:06—Balance provides cold storage for a charge.● 23:00—Balance provides value for customers who choose to hold their crypto with them rather than monetizing.● 24:00—George discusses the challenges of creating Balance. Many challenges are intertwined with regulation of the market.● 27:20—Balance offers customers simplicity. In a complex market like cryptocurrency, simplicity is hard to find. The fee structure Balance offers is greater than their competitors.● 30:20—George is excited by the personal aspect of building a solution for cryptocurrency.3 Key Points:1. Cryptocurrency can be very complex. Balance is a company that created the technology to make trading and diversifying in Cryptocurrency as easy as pressing a button. 2. Balance strictly provides the technology to make investi and ng easier, but they do not give advice in the field as it is unregulated. 3. Balance not only provides ease but also takes the non-transparent fees out of this service adding the most value for customers.Tweetable Quotes:- ̈ We [Balance] went for pretty much anything [currencies] that is real value and stable enough and liquid so we can get out of the market when our clients want.” –George.- “There is no pool of money. We maintain fully segregated wallets for each of our clients.” – George. - “ We [Balance] are just here to provide access.” – George.Resources Mentioned:● The Fintech Impact● Itunes to access the podcast● Refer to Jason Pereira ́s Linkedin for Information about the Fintech events● George Bordianu● Woodgate Financial See acast.com/privacy for privacy and opt-out information.

Summary:During the 40th episode of the Fintech Impact podcast, Jason Pereira, award-winning financial planner, university lecturer, writer, sits with Paul Desmarais III, Chairman of Portag3 Ventures. They discuss the new technology within fintech, how Portag3 is making a difference, and how technology bridges gaps and addresses the pain points of the industry.Show Notes:● 1:00—Introduction of guest Paul Desmarais III, Chairman of Portag3 Ventures.● 1:23— Portag3 is one of the world ́s leading financial services innovation investment funds. Portag3 invests in fintech globally. They focus on direct to consumer and also some B2B markets. Their three vertical focuses are Insure-tech, personal finance, and risk management● 1:55—Financial advising is making a huge impact on Canadians future. Advised clients fair much better than the unadvised, but the majority of Canadians go unadvised.● 3:20—Portag3 is focused on building companies that address the pain points in the financial space.● 4:55—In a ̈choose-what-you-pay-your-advisor ̈ model, the customer saves money and wins.● 5:20—It is hard for traditional businesses to incubate from external disruption.● 6:00—Power Financial owns the general partnership of Portag3.● 6:34—80% of Canadian assets are controlled by the bank.● 7:28—B2B platform is empowering advisors to serve smaller clients in a more effective way.● 8:43—You have got to be on-top of the technology or else you will be crushed by the competition. You must adapt.● 10:30—Borrowell was started as a B2C lending platform. If you have a low credit score, you can go there to get coaching on your credit score.● 11:10—Another example of a technology tool that is making a difference is the online mortgage tool. It allows people to get mortgages completely online, and it is a very transparent system.● 12:10—Portag3 empowers companies by understanding their pain points and investing in solutions to overcome them.● 14:18—The area of payment in Canada is falling behind other countries very quickly. Does the system make sense? This could be an area of opportunity for fintech.● 15:41—Portag3 has invested in Blockchain, sponsoring a company called EOS. We believe there is an opportunity there, but it is a matter of when. Blockchain is still highly speculative.● 17:00—When a lot of people migrate to a certain system, you get a network effect. If that happens with blockchain, companies need to be cautiously ready for the switch.● 19:50—We need better policy for the banks and the companies involved.● 20:40— Portag3 has made over 30 investments in fintech.● 21:26—Through Coho, you can open an account. This is the first example of how collaboration is on horizon in fintech.● 22:26—Some banks no longer have a brick and mortar foundation allowing them to partner and grow outside of their core geography.● 24:17—In this new virtually based model, there is a huge opportunity to go after new players through collaborating with fintech.● 24:53—Fintech is a generational investment opportunity.● 25:13—Changes in technology are easier to implement today.● 26:20—Being an entrepreneur today is much cheaper than it used to be.● 26:40—Regulators care about the consumers and want them to be advised.● 28:00—M&A is on the horizon for fintech.● 29:00—Paul ́s biggest wish is to have modern back-office systems in every business that we have.● 29:47—The people are what gets Paul motivated. He wants to make a positive impact on their lives.3 Key Points:1. Fintech is allowing more people to have access to financial services. Technology allowsfinancial companies to extend their reach. 2. Keeping-up with current financial technology helps companies adapt and avoid gettingeaten by competitors. 3. Financial technology is disrupting, growing, and making positive impacts on the industry.Tweetable Quotes:- “We are simply growing the size of the population that is being advised. We are notnecessarily disrupting it in an aggressive way.” –Paul.- “We come in as value-adding investors.” – Paul. - “We believe aggregation is the future of financial planning.” – Paul.Resources Mentioned:The Fintech ImpactItunes to access the podcastRefer to Jason Pereira ́s Linkedin for Information about the Fintech eventsWoodgate Financial See acast.com/privacy for privacy and opt-out information.

  Summary:   During the 15th episode of the Confident Wealth Podcast, Bill Bush and Pete Bush talk about the known and unknown factors in one's financial life. Bill and Pete address elements and the importance of The Financial Confidence Quadrant for clients and potential clients.   Time Stamped Show Notes: 01:02 – Pete Bush created a tool called The Financial Confidence Quadrant with known and unknown positives and negatives for clients to get started with. 02:00 – Admitting what you don't know can give you the needed jolt to seek a financial planner. 02:25 – The Known Positives: things you are on the right track with. 03:31 – The Unknown Positives: things like not knowing you picked the most successful financial planners in your area. 04:43 – The Known Negatives: things you need to approve that you are aware of. 06:28 – The Unknown Negatives: things that need addressing that you are unaware of. 07:56 – Financial advisor assistance for the four quadrants includes: giving validation, identifying issues, and increasing awareness.   3 Key Points: Admitting what you don't know can give you the needed jolt to seek a financial planner. The Unknown Positives: things like not knowing you picked the most successful financial planners in your area. Financial advisor assistance for the four quadrants includes: giving validation, identifying issues, and increasing awareness.   Tweetable Quotes: -    “To know what you know and know what you do not know is true knowledge.” – Bill Bush. -    “It takes someone from the outside looking in to even show you that these (unknown negatives) even exist.” – Pete Bush. -    “It isn't what we don't know that gives us trouble, it's what we know that aint so.” – Pete Bush.   Resources Mentioned: Horizon Financial Group – website for Horizon Financial Group Confident Advisor Practice – podcast for Confident Advisor Practice    

Episode – 28 Summary: During the 28th episode of Hair Biz Radio, Zakiyrah and Chay interview Jazmine Jackson of global beauty brand Empress Dream Doll. Show Notes: – How did Jazmine get into beauty? –... The post Episode 28: Going Natural with Jazmine Jackson appeared first on Hair Biz Radio.

Episode–27 Summary During the 27th episode of Hair Biz Radio, Zakiyrah and Mikey interview Demetrius McNeal, aka Showtime a premier fashion and hair photographer in Atlanta. Show Notes – What’s going on in Showtime’s world,... The post Episode 27: From Universal to Showtime with Demetrius McNeal appeared first on Hair Biz Radio.

Episode – 26 Summary: During the 24th episode of Hair Biz Radio, Zakiyrah and Mikey interview Soyini, owner of Salon Soy, curly hair expert, mother of three, business owner and salon owner. Show Notes: –... The post Episode 26: Becoming a Curly Hair Expert with Soyini Thwaites appeared first on Hair Biz Radio.

Episode – 25 Summary: During the 25th episode of Hair Biz Radio, Zakiyrah and Mikey interview Sandye Lomax of the Beauty Fetish, professional makeup artist, certified eyelash extension expert and educator and licensed hair stylist.... The post Episode 25: True Beauty Comes From Within with Sandye Lomax appeared first on Hair Biz Radio.

Episode 24 Summary: During the 24th episode of Hair Biz Radio, Zakiyrah and Mikey interview Pallena Foreman, owner of Brow Bar ATL to talk about everything beauty. Show Notes: – Pallena grew up in the... The post Episode 24: Building my Business on Brows with Pallena Foreman appeared first on Hair Biz Radio.

Summary:During the 3rd episode of Fintech Impact, Jason Pereira interviews Pawel Brzeminski, the founder and CEO of Snap Projections, a new and exciting Canadian software solution to assist financial planners. They discuss the scope of Snap Projections, as well as tools and challenges facing the Canadian market.● 01:31 – Snap Projections is a financial planning software for Canadian financial advisors, investment managers, and financial planners.● 02:12 – Pawel came to Canada over 15 years ago and has a technical background in software engineering,● 03:45 – In late 2014, he started building the product, and launched in May 2015.● 06:34 – There are a lot of complex moving pieces with preparing financial plans for clients that Snap Projections assists with in order to make the progress simpler.● 09:30 – The software was made to be effective, easy to use, easy to communicate to the client, robust, accurate, transparent, customizable, and interactive.● 13:38 – After entering data, users are able to copy a scenario and test it out.● 17:45 – Funding is a challenge company has faced, being that they are independent without any equity partners in it. They also have over 500 feature requests on their list.● 23:59 – Wealth transfer involving “baby boomers” is causing people to ask themselves if they will have enough money to live off of.● 24:40 – Snap Projections has a sustainability feature to calculate how much they can spend to live a long-term sustainable lifestyle.● 28:14 – They try to focus on monitoring what financial advisors need, not what their competitors are doing, because they don’t want to make the same mistakes that they may make.● 29:33 – Snap Projections’ podcast is called “Growing Your Financial Advisor Practice” and Jason Pereira is on episode 6.3 Key Points:1. The software was made to be effective, easy to use, easy to communicate to the client, robust, accurate, transparent, customizable, and interactive.2. Wealth transfer involving “baby boomers” is causing people to ask themselves is if they will have enough to live off of.3. They try to focus on monitoring what financial advisors need, not what their competitors are doing, because they don’t want to make the same mistakes that they may make.Tweetable Quotes:- “Europeans and people in Canada here, and the U.S. as well, they think about money differently…for example, there is not a lot of credit card use in European.” – Pawel Brzeminski.- “Education actually, the advisor can help increase the financial literacy of the client…the refer ability goes up.” – Pawel Brzeminski.- “We both have the “Baby Boomer” population in Canada and the U.S. And that wealth transfer that we’ve been hearing about in this industry forever is finally starting to happen.” – Jason Pereira.Resources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn ● Snap Projections – Website for Snap Projections ● Pawel Brzeminski – LinkedIn for Pawel Brzeminski ● Podcast for Snap Projections – Snap Projections podcast featuring Jason Pereira See acast.com/privacy for privacy and opt-out information.

Summary:During the 8th episode, Jason Pereira, interviews a colleague of his by the name of Zaheer Merali. Zaheer is an entrepreneur, investor, and consultant to several start-ups and has worked with many technology companies. Jason talks with Zaheer about the past and present evolution of financial planning solutions.● 01:08 – Zaheer works primarily with venture funds and start-ups in the Fintech space and healthcare.● 03:15 – He studied in school for seven years in the consulting space: strategy consulting across North American in multiple industries like renewable energy, healthcare, mining, media, insurance, and fast food.● 03:40 – Zaheer worked for seven years at Scotia Bank with some time spent in wealth management.● 05:29 – We have gone from one financial platform to tech stack and service stack solutions.● 11:19 – Several new software stacks are built as a backend with an API to a frontend.● 12:24 – Extreme growth in financial planning software is exploding.● 17:50– Blockchain is here to stay, offering new ways of working with back office systems. ● 22:24 – There is value in honing in on one problem and developing it further.● 23:45 – You can’t transfer money between banks in the United States and Canada on weekends is because the servers aren’t open—they keep bankers’ hours.● 28:50 – The automation of workflows is leading to efficiency gains.● 31:10 – What is our career path in financial planning?● 35:08 – We are seeing compression on how much customers are willing to pay, what kind of fees can be charged, and what services need to be included.3 Key Points:1. Some popular financial planning software in the United States didn’t exist three years ago, some that two years ago had 2-3% market share, and today has close to 10% market share.2. There is a ton of value in picking off one problem to work on and expanding that piece.3. You can’t transfer money between banks in the United States and Canada on weekends is because the servers aren’t open.Tweetable Quotes:- “Many of the new software stacks you’ll see are basically built as a backend with an API to a frontend.” – Zaheer Merali.- “We sometimes take the easy route of mistaking consistency of look and feel as an indication of quality.” – Zaheer Merali.- “Blockchain is here to stay.” – Zaheer MeraliResources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn● Zaheer Merali – Zaheer Merali’s LinkedIn See acast.com/privacy for privacy and opt-out information.

Episode 23 Summary During the 23rd episode of Hair Biz Radio, Zakiyrah and Mikey have an intriguing interview with Nick Nelson, celeb hair handler, and owner of Pressed Natural Hair Care Salon, specializing in hair... The post Episode 23: Nick Nelson of Pressed Natural Hair Care Salon appeared first on Hair Biz Radio.

Episode 21 Summary During the 21st episode of Hair Biz Radio, Zakiyrah and Mikey have an enticing interview with Coco White, the department head for hair at Tyler Perry Studios since 2014. Coco is also... The post Episode 21: Hairstylist Coco White from Tyler Perry Studios appeared first on Hair Biz Radio.

Episode 20 Summary During the 20th episode of Hair Biz Radio, Zakiyrah and Mikey have an enticing interview with Mychael Michelle, also known as Kellz ATL Stylist. Mychael is the owner of the Atlanta salon... The post Episode 20: Interview with Kellz The Stylist (Mychael Michelle) appeared first on Hair Biz Radio.

Summary:During the 3rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Paul Resnik, Co-founder and Director at FinaMetrica. As a risk assessment company, FinaMetrica provides tools for financial advisors to figure out the risk tolerance of their clients. Paul Resnik shares his history in the industry, the uphill battles that FinaMetrica has faced, and what it will take to turn financial advising into more of a science than an art.Show Notes01:55 – Paul Resnik started FinaMetrica in 1994, but Paul has been in the industry for almost 50 years.● 02:17 – Changes in Australia occurred: the ability to consolidate investment products onto a single platform and people not being prepared for their portfolios crashing.● 04:25 – Risk asseement was met with hesitation back in 1994 and now. Planners often find it intrusive.● 07:26 – FinaMetrica took four fours to assemble the 25 questions used in their psychometric test – after trying out 150 questions. They have done almost 1.2 million tests.● 09:08 – Men tend to be more risk tolerant than women. Financial workers and highly confident people tend to be more risk tolerant than their clients. Factors that tend to not have any impact are age, education, and experience.● 11:47 – FinaMetrica charges the most in the global marketplace for their risk tolerance test. Their clients tend to be personal financial advisors in the approximately 20 countries that they work in.● 12:17 – FinaMetrica starts with a 25 or 12 question questionnaire to measure financial risk tolerance juxtaposed against ethical, physical, and social tolerances to determine an average score and range.● 16:56 – They link results to portfolios that have ranked at a similar level against a range of scenarios including: nominal returns, highs and lows, adjusted for inflation, 10 worst falls, how long it took to crash and recover, and 10 highest rises.● 21:56 – FinaMetrica, based in Australia, is merging with PlanPlus, a financial planning company based in Toronto Canada. 90% of FinaMetrica’s revenue is international. They integrated their systems roughly 10 years ago and have looked for joined clients.● 24:49 – The cost to implement FinaMetrica into their practice: $800-900 a year in various countries.● 26:15 – Thinking fast is our great survival. Thinking slow hurts, because people are too busy thinking and not paying attention. People thinking fast are using mental shortcuts/intuition.● 29:31 – Survey in Georgia of financial advisors had results all over the place – including the same client that received different answers from the same planner.● 35:00 – Planner’s unfortunately often project their own level of risk tolerance onto their clients and the people running the money project their risk tolerance onto the advisors.● 37:13 – Paul Resnik left the corporate world in 1991 and established a life company and an asset management business a few years prior to that.● 38:29 – Competitors of FinaMetrica include: Oxford Risk in the UK and in Riskalyze in the United States. ● 41:17 – Paul Resnik is not a fan of Target Date Funds.● 42:57 – Technology Tools Today is a US company for financial advisor technology that puts out an annual survey. FinaMetrica has the highest user rating. 3 Key Points:1. Risk tolerance is a personality, and personalities tend not to change.2. FinaMetrica starts with a 25 or 12 question questionnaire to measure financial risk tolerance juxtaposed against ethical, physical, and social tolerances to determine an average score and range.3. The cost to implement FinaMetrica into their practice: $800-900 a year in various countries. Tweetable Quotes:- “We measure risk tolerance scientifically. We use a psychometric test…it took us four years to put together our 25 questions.” – Paul Resnik.- “Risk tolerance is a personality trait. Personality tends not to change.” – Paul Resnik.- “We are fighting for mind space. We are fighting for people to stop long enough and listen.” – Paul Resnik. Resources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn● FinaMetrica – Website for FinaMetrica● Paul Resnik – LinkedIn for Paul Resnik See acast.com/privacy for privacy and opt-out information.

Episode 12 Summary During this episode of Hair Biz Radio with Zakiyrah and Mikey, they discuss the importance of blogging in the hair business space, the basics of starting a hair business and how to... The post Episode 12: Travel the World for Free By Selling Hair Extensions appeared first on Hair Biz Radio.

Summary: During their trip to Washington, D.C., Frantzy and Atiba visited the National Museum of African American History and Culture. The Conversations in Color podcast introduction showcases the personalities of the hosts and what they took away from their visit to the museum. Fran and Atiba also met an angry Londoner who believes racism against people of color does not exist outside of America. Yeah, that happened. Intro Music: Night Owl-Broke for free Closing Music: Lee Rosevere- Up All Night Link to Smithsonian Museum of African American History: https://nmaahc.si.edu/ Podcast email: ConversationsinColorpodcast@gmail.com

ALL OF THESE CHARACTERS ARE GREAT Broadcast on December 4th, 2016Featuring:Dave Roberts, Tyler Moliterno, Felipe Diaz-Vera, & Marc GonzalesRunning Time: 1:06:03 Summary During the early 1930s in Chicago, the transcontinental train, Flying Pussyfoot, is starting its legendary journey that will leave a trail of blood all over the country. At the same time in New