Podcasts about TSB

In this episode, we reveal the banks now offering 10-year interest-only mortgages – and why this could be a game-changer for property investors.While most banks cap interest-only terms at 5 years, some are now doubling that time frame. But that doesn't mean it's easier to get. In fact, the lending criteria are often stricter. We dig into the differences between ANZ and TSB's approaches, including how much extra income you need to qualify – and how the banks test you differently.You'll learn:Which banks offer 10-year interest-only terms (and how they work)Why interest-only loans are slightly harder to get (despite lower repayments)Who this strategy is right for … and when it could hurt youWant to get an interest-only mortgage? Run the numbers with this interest only mortgage calculator.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠

In the latest episode of the pod Andy and Amelia are talking about the latest stories that are important to you and your money. Including:  Bank switch offers from TSB, RBS & Chase Bank LTV explained: how to save when remortgaging How and where to get your holiday cash Financial vulnerability - who's affected? For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:02 Financial vulnerability 06:56 TSB, RBS and Chase Bank switch offers 23:02 LTV explained 34:10 Tembo mortgage calculator advert 35:33 Get the best rates on your holiday money ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Since October 2020, Soumya Dinesh has been Managing Director and Co-Founder of Atula Technologies – a Buckinghamshire based business specialising in bespoke software solutions for SMEs. Soumya grew up in the cantonment city of Bengaluru, India and excelled academically. She originally wanted to become a pilot but did not pursue this, instead opting to go to Pondicherry University where she got a master's degree in finance. This enabled Soumya to go on to work with one of the biggest accounting firms in the world.Despite an enjoyable and enriching stint there, she learnt it was not what she wanted to do, surprising many by taking the reins of an at-home flower delivery company based around her parent's flower shop when she was in her early 20s. It was here that Soumya got her first taste of e-commerce, which would later become the foundations of Atula Technologies. “It led to tremendous growth for the florist shop, which was once a single unit on one high street. We were the most well-known florist in India for several years after that because we could deliver across the country with our branding.” The florist business was later sold, Soumya married Dinesh and moved to the UK. She then retrained in IT and worked for Lloyd's TSB and SONY Corporation. At the same time, Soumya decided to start creating her own chocolates, which gradually spiralled into her own business. Her company Cherish Chocolates earned several Great Taste awards and was sold up and down the country but was eventually wound down after 10 years when she decided to focus on family.Several years later, Soumya launched Atula Technologies with Dinesh, bringing their IT knowledge and experience together. Now in its fourth year, Soumya says it is “onward and upward” with plans for growth and success for herself and her clients. “I have a lot to offer and so much to give back.” https://www.linkedin.com/in/soumyadinesh/www.atulatech.com

Análisis con Renta 4 Banco en Cierre de Mercados en el que preguntamos a Alvaro Arístegui cómo está viendo el mercado en un contexto de gran incertidumbre en el frente comercial. Donald Trump sugiere que sigue abierto a las negociaciones arancelarias y que la fecha límite del 1 de agosto para la implementación de los nuevos gravámenes "no es 100% firme". Los mercados acogen con cierto agrado las señales de flexibilidad del presidente estadounidense. Esta situación, según Arístegui "está teniendo consecuencias en la actividad económica y en los resultados empresariales. Muchas empresas te comentan como muchas decisiones de inversión se están posponiendo o dilatando en el tiempo, ya que no se sabe cuáles exactamente van a ser las reglas de juego." Asimismo, comentamos con Renta 4 Banco los posibles movimientos en la política monetaria de la Reserva Federal y la política fiscal de Estados Unidos con el encarecimiento de la financiación de la abultada deuda pública con los tipos de interés en los niveles actuales. "No parece el momento todavía con los datos económicos y de empleo... pero sí parece que veamos en los próximos meses una bajada de tipos en Estados Unidos." TEMPORADA DE RESULTADOS La temporada de resutlados empresariales del segundo trimestre enfrenta varios vientos en contra, debido al impacto de los aranceles. "Vemos algo de desaceleración en las compañías industriales, también esperamos un efecto divisa negativo en las compañías españolas", señala Arístegui. Sin embargo, desde Renta 4 cí que esperan buenos resultados en los bancos, principalmente los domésticos, en línea con la actividad robusta que se está viendo en España, a diferencia de otros países de nuestro entorno. SINERGIAS EN LA OPA DE BBVA Presentado ya el folleto de la OPA sobre el Sabadell y a la espera de que lo analice la CNMV, el BBVA considera que la decisión del Gobierno de impedir la absorción completa no afectará al cálculo total, sino que retrasará la materialización de las sinergias. "No esperamos que las sinergias de costes a corto plazo sean las mismas que habían anunciado anteriormente (850 millones de euros)", señalan desde Renta 4 Banco. El equipo de análisis se mantiene en la idea de que el plazo de aceptación va a ser el máximo que permite la ley (70 días) con el verano de por medio. "Si el BBVA quiere asegurarse el éxito de esta OPA y alcanzar por lo menos ese 50% mínimo de aceptación en la ecuación de canje, que ahora mismo tiene un diferencial favorable al Banco Sabadell, deberá mejorar la oferta", señala Arísteguí. Además, la venta de TSB, la filial británica del Sabadell, añade más incertidumbre al éxito de la OPA, ya que el precio que se ha pactado en la venta es superior al que estaba valorando el mercado.

️ Esta semana en Cierre de Mercados de Radio Intereconomía, Álvaro Aristegui, analista de Renta 4 Banco, aborda los temas que mantienen en vilo a los mercados: La incertidumbre en torno a los aranceles y el tira y afloja entre EE. UU. y sus socios comerciales La presión sobre la Reserva Federal y la posible bajada de tipos, a pesar de unos datos laborales sólidos Las previsiones para la temporada de resultados empresariales del segundo trimestre, con atención especial a bancos y compañías industriales La OPA de BBVA sobre Sabadell y cómo la venta de TSB añade complejidad a la operación El papel del oro y otros metales como refugio en tiempos de volatilidad La estrategia actual de Renta 4: posicionamiento defensivo y cautela ante la falta de claridad No te pierdas este repaso esencial para entender el pulso de los mercados en un verano marcado por la incertidumbre y las decisiones clave.

Las acciones de BBVA aguantaron la presión del mercado tras confirmarse la venta de TSB a Banco Santander y todavía tienen a tiro los máximos anuales en los 13,8 euros, con todo el mercado pendiente de los próximos pasos del grupo vasco en la opa al Sabadell. La entidad que preside Carlos Torres sigue empeñada en ir adelante con la operación y abrir el periodo de aceptación, pese a que los analistas insisten en que hay razones que justifican el abandono. Pero los inversores siguen apoyando a BBVA, que está haciendo una consolidación lateral de niveles técnicos y se mantiene lejos del soporte de los 12,5 euros, según explica el director de análisis de la revista Inversión, Josep Codina, en el podcast de mercados ‘Pautas’. Además de BBVA, Codina revisó las perspectivas de otros valores como IAG, Acerinox, Inditex o el propio Sabadell, junto con Amper en el mercadoc continuo y Vestas o Nike en Europa y Wall Street.

Kylie Gorzalka is a bookkeeper just like you — running a boutique practice, juggling all the hats… and looking for a better way to manage the chaos.So she built her own solution.As a BAS agent, TSB tribe member, and founder of Officiently, Kylie now helps bookkeepers streamline the messy back end of their practice — without breaking the bank or the soul of their brand.And in this week's episode of The Strategic Bookkeeper Podcast, she's sharing how you can simplify your practice too — regardless of what software you're using.Join Jeannie as she sits down with Kylie to unpack:✔️ The onboarding comms that reduce drop-offs✔️ Why proposals fail (and how to fix them)✔️ The BIGGEST mistakes with pricing and packaging✔️ How to stop playing “tennis” with your clients✔️ And how to nurture leads without wasting hours

LM publica cómo Santander acuerda comprar TSB al Banco Sabadell por más de 3.000 millones de euros.

The Senate narrowly passes Trump's sweeping tax and spending bill, with attention now turning back to the House as it races to pass the package. Fed Chair Jerome Powell appears to push back at pressure from President Trump, telling the Sintra forum the Fed would have cut rates further by this stage if it had not been for tariffs. Shares in AstraZeneca pop in Tuesday's session after the Times reports CEO Pascal Soriot is looking at moving the pharma giant's listing from London to the U.S. And - Santander swoops in for Sabadell's U.K. unit TSB in a deal worth £2.65 billion.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

En la hora de la inversión analizamos la compra TSB por parte del Santander con José Ramón Iturriaga, gestor de Okavango Delta, Kalahari, Spanish Opportunities y Abante Sector Inmobiliario. Además en el Foro de la inversión entrevistamos a José Javier González Cofundador de bolsazone, asesor del fondo Gestivalue. Y Daniel Pérez, CEO y Fundador de Astralis IM ayuda a nuestra audiencia con las mejores recomendaciones de inversión.

Banc Sabadell desvincula la venda del TSB de l'OPA del BBVA

En este podcast de 'Capital, la Bolsa y la Vida', Luis Vicente Muñoz analiza el impacto de la venta de TSB por Banco Sabadell al Santander y el mega dividendo propuesto de 2.500 millones de euros. Se discuten las opciones para los accionistas: acudir a la OPA de BBVA o recibir el dividendo extraordinario.

En este episodio de La Lupa, Laura Blanco examina la actualidad económica con un enfoque en el Reino Unido, donde la ministra de Hacienda enfrenta tensiones por ajustes presupuestarios. También se discute la venta de TSB por parte de Sabadell y su impacto en el mercado, así como los despidos masivos en Microsoft y su relación con la eficiencia empresarial. Además, se abordan los datos de empleo en España, destacando la necesidad de mejorar la calidad del empleo. Finalmente, se explora la propuesta de Donald Trump de cuentas de ahorro para recién nacidos, generando un debate sobre la desigualdad económica.

Sesión sin datos macro de relevancia, más allá de las cifras de empleo privado en EEUU que serán solo un aperitivo del informe oficial de empleo de junio que se publica mañana jueves. Mientras Wall Street anticipa leves compras después de que el Senado haya aprobado, por la mínima el proyecto fiscal de Trump, que ahora vuelve a la Cámara de Representantes para su ratificación. Esto, con los inversores atentos al mercado laboral y a las negociaciones comerciales de Washington con sus socios. El Ibex 35 se afianza sobre los 14.000 puntos con los seis bancos apuntándose al verde con Sabadell encabezando las subidas hasta los 2,8 euros por título.. y el Santander, tras la compra del británico TSB por 3.100 millones de euros, supera los 7 euros por acción. BBVA, por su parte, roza los 13 euros por título. El primer análisis con Filipe Aires, consultor de AFI.

El Sabadell ha anunciado la venta del TSB, su filial británica, al Santander. Se trata de un movimiento que trastoca la OPA de BBVA a la entidad catalana, solo un día después de que el banco que preside Carlos Torres haya confirmado su intención de seguir adelante con la operación tras las condiciones impuestas por el gobierno. Lo analizamos en Hora 25 de los Negocios.

El Sabadell ha anunciado la venta del TSB, su filial británica, al Santander. Se trata de un movimiento que trastoca la OPA de BBVA a la entidad catalana, solo un día después de que el banco que preside Carlos Torres haya confirmado su intención de seguir adelante con la operación tras las condiciones impuestas por el gobierno. Lo analizamos en Hora 25 de los Negocios.

En este episodio de El Balance, Laura Blanco analiza los desafíos del transporte ferroviario en España durante la temporada turística, destacando los retrasos masivos y su impacto en la percepción del turismo. Además, se discute la venta de TSB por parte del Banco Sabadell al Banco Santander, una operación que busca fortalecer la posición de Santander en el Reino Unido. También se aborda la aprobación de una ley fiscal en EE.UU. que podría aumentar la deuda nacional, y se celebra un récord en la venta de vehículos eléctricos en España, reflejando un avance en la electrificación del transporte. Laura Blanco ofrece un análisis detallado de estos temas económicos cruciales.

Indra, Morgan Stanley, Acciona Energía, Banco Sabadell, BlackRock, BBVA, TSB e Inditex, bajo la lupa de Adrián Jiménez, del departamento de Análisis y Distribución de Producto Andbank España.

Zoë is at a writing conference this week, so we're dropping this banger of a replay in the feed!Feeling overwhelmed by running data? Wondering if you're training the “right” way? This episode dives deep into periodization strategies, how to choose the best gels for your gut, and which TrainingPeaks metrics actually matter. Whether you're training for a marathon or an ultra, you'll leave with smarter tools and a better understanding of how to adapt your training to real life.

Anthony and Stephen explore how Cursor became the fastest-growing AI startup ever, from MIT roots to “vibe coding” hype and a $20 billion valuation in just 14 months.Then, it's boardroom drama in Spain as Sabadell spins off TSB to block a hostile takeover from BBVA — a strategic move with big implications for European banking.Finally, Barclays brings in McKinsey to cut costs. What happens when consultants start targeting front-office jobs and what does it signal for banking careers in the age of AI?(00:00) Intro & Topics in Focus(02:40) Cursor and Vibe Coding(18:23) The Spanish Banking Landscape and TSB(30:51) Barclays and the Role of Consultants in Investment Banking

Juan Esteve, director de inversiones de Kau Markets y Zona Value, repasa el cierre del día con vistazo a Jefferies, Santander, TSB, Puig, Aena y Redeia.

Los precios del crudo se dieron la vuelta y caen. Los índices de Bolsa estadounidenses no giraron pero sí ampliaron algo ganancias. Reacciones a los últimos comentarios de Trump. El presidente de Estados Unidos deja caer que Irán tiende la mano y que quiere negociar. La mano no se la tiende sino se la retira aún más al presidente de la Reserva Federal. Enésimo ataque contra un hombre al que puso en el cargo en su primer mandato. Dice Trump que Powell ha hecho un mal trabajo. También reflexiona sobre la posibilidad de nombrarse a sí mismo para dirigir la Fed. En los mercados hay la típica vacilación previa a la Fed. Las crecientes tensiones geopolíticas, las solicitudes de subsidio por desempleo, según lo esperado, y los débiles datos de vivienda pasan a un segundo plano ante la decisión de tipos. En Bolsa española, y dentro del Ibex 35, las acciones de IAG toman el mando en las subidas. Iberia tiene previsto invertir 6.000 millones de euros en su plan estratégico hasta 2030. El 70% de la cantidad se destinará a pagar la ampliación de flota. Por ello preguntamos en el análisis a Alberto Roldán, de New Growth Capital. Nos habla también de Santander y TSB; Grenergy y Cirsa.

A la espera de que el Gobierno de Sánchez se pronuncie sobre la OPA de BBVA, el Banco Sabadell señala que "analizará cualquier eventual oferta vinculante que pudiera recibir" por TSB

Los índices de Bolsa están a la baja este martes. Pierden más los europeos. Se sostienen mejor los americanos. El mercado sigue prestando atención a la geopolítica. Hoy, al contrario que ayer, se percibe más tensión entre Israel e Irán. Los datos económicos no ayudan. Las ventas minoristas caen más de lo esperado en mayo y la producción industrial apenas sube el mes pasado. Mal las turísticas. Al conflicto en Oriente Medio se une JetBlue. La aerolínea de bajo coste planea nuevos recortes de costes ante la débil demanda de viajes. Sigue el hundimiento de renovables por el fin de los créditos fiscales. Las de gas natural se benefician del aumento de las previsiones de demanda de GNL y electricidad. Esta hora tenemos análisis con Javier Díaz, de Renta 4 Banco. Le preguntamos por Amadeus, Telefónica, Sabadell y TSB; y sector inmobiliario tras OPA de Neinor sobre Aedas. ¿Es mejor vender en el mercado?

Hvordan kan en helhetlig forståelse av rusrelaterte lidelser og personlighetsforstyrrelser gjøre en forskjell i behandling? Og hva skal til for å lykkes med endring, enten det dreier seg om følelser, relasjoner og rus, eller behov for å endre på klinisk praksis.  I denne episoden møter vi psykologspesialist Marte Ramby Grøstad og psykolog Ella de Figueiredo Lykke. De deler sine erfaringer med å etablere mentaliseringsbasert terapi ved poliklinikk for rus- og avhengighetsbehandling (TSB) i Moss.  Du får også høre mer om hvordan en felles struktur, nysgjerrighet og et helhetlig fokus på mennesket, ikke bare rusbruken, kan gjøre en forskjell i møte med komplekse behov. Personlighetsmysteriet produseres av Nasjonalt kompetansesenter for rus-og avhengighet, alvorlige samtidige psykiske lidelser og personlighetsforstyrrelser

Welcome to CPO Stories! In this new "podcast within a podcast", I'll be speaking to executive product leaders from the UK's biggest companies as well as up-and-coming stars of the future. I'll be digging into how they approach product management within their organisations, how they approached the leap into executive product leadership and trying to get some deep insights into how they view product management practices and culture. If you're a CPO and would like to come on, drop me a line! Or, forward this episode to your CPO and tell them you want them to come on

As the end of the financial year approaches, SMSF professionals are gearing up to navigate the complexities of superannuation contributions and tax planning. In this episode of the SMSF Adviser Show, industry stalwart Liam Shorte, director of Sonas Wealth, explains the essential areas that advisers and accountants should address in the next three weeks to optimise super strategies for their clients. Managing clients' total super balance (TSB) effectively is right at the top of the list, with Shorte explaining the importance of having accurate information and why it's not always a good idea to maximise unused contribution caps if there are any uncertainties around the exact figures. Listen as they discuss: How to access accurate superannuation data through the ATO. How to ensure that 2024 financials are reported promptly. Contribution strategies for different age cohorts and how they can benefit future planning. The increasing problem of debt for those approaching 60. Extension of tax planning to age 75.

Walk-Män-Podcast Episode 233: Cacao, Yoga und Reiki – Body-Soulwork – mit Annika GlassenAnnika Glassen ist Yoga-Lehrerin, Reiki-Meisterin, TSB(r) Coach und Cacao-Spaceholderin. Annika über ihren Werdegang: "Ich stand an einem Punkt in meinem Leben, an dem ich gespürt habe, dass ich etwas verändern möchte. Ich hatte regelmäßig Migräne, Rückenschmerzen und ein schwieriges Verhältnis zu meinem Körper, was sich in meinem Ess- und Sportverhalten zeigte. Die klassischen Therapien brachten keine nachhaltige Veränderung. Deswegen traf ich eine klare Entscheidung – die Entscheidung für mich!"​Annika begann Yoga zu praktizieren, absolvierte ihre erste Ausbildung und erhielt wieder einen besseren Zugang zu ihrem Körper. Zusätzlich integrierte sie spirituelle Aspekte in ihrem Leben. Mittlerweile schöpft sie aus einem breitem Spektrum und praktiziert Hatha-Vinyasa Yoga, Yin Restorative Yoga und Aerial Yoga. "Dann kam Reiki (Energiearbeit) in mein Leben. Und mit dieser Ausbildung das Wissen über unser Nervensystem, Traumata und die Bedeutung unseres Köpers für unser physisches und auch psychisches Wohlbefinden. Die Erkenntnis darüber, dass wir über unseren Körper nachhaltig heilen dürfen und welch basale Rolle unser Nervensystem spielt, haben meinen Fokus erweitert". Abgerundet wurde ihr Weg durch die TSB® - Traumasensibel Begleiten-Ausbildung. "Ich durfte hier die Verbindung zu meinem Körper neu erfahren. Ich habe mein Wissen über Trauma und das Nervensystem vertieft". Ihr Programm "Body & Soul Work" ist die Essenz aus alldem. Ein hollistischer Ansatz für nachhaltige Veränderung. Traumasensibel, Nervensystem- und Körper-orientiert. Was genau sie darunter versteht und was eine "Cacao-Spaceholderin" ist, das erzählt Annika in dieser Episode des Walk-Män-Podcasts.Kontakt Annika Glassen:Instagram: AnnikaGlassenWeb: https://AnnikaGlassen.deWalk-Män – Der Mutmach- und Motivier-Podcast. Runter kommen von der Couch, Hindernisse überwinden und Ziele erreichen - unabhängig von Alter, Umfeld, oder Barrieren im Kopf. Wieder Lust bekommen auf‘s Leben. Podcaster und Journalist Ralf Baumgarten stellt inspirierende Persönlichkeiten und ihre Geschichten bzw. Projekte vor. Er selbst stellt sich immer wieder und regelmäßig eigenen Challenges sportlicher Art oder einfach nur, um den eigenen Horizont zu erweitern, neue Erfahrungen zu sammeln und die wenige Zeit auf Erden nicht zu verschenken. Der Walk-Män-Podcast: Lust auf‘s Leben, runter von der Couch kommen und gesund leben in Bewegung. Zu Podcaster Ralf Baumgarten: Redakteur, Mediengestalter, Herausgeber und Podcaster. Zusätzliche Ausbildungen (u.a.): Triathlon- und Lauf-Trainer, Yoga-Lehrer (200), Waldbademeister, Kommunaler Gesundheitsmoderator u.v.m. Kontakt Ralf Baumgarten:EMail: info@printhouse24.de / walkmaenpodcast@gmail.comWeb: https://mein-blaettche.deWeb: https://walkmaen.de/LinkedIn: https://www.linkedin.com/in/ralf-baumgarten-796287a1/Instagram: https://www.instagram.com/ralf_baumgarten/Sprecherin Einleitung: Christina Schmitt / TRIGA - der VerlagCover (Grundentwurf): Marek Bereta Lizenz Hintergrundmusik: PremiumBeat_license_2912638_3467091_those-mornings(1)Wichtig: Wenn Dir gefällt, was Du hörst, dann teile den Podcast und abonniere ihn beim Audio- oder Video-Streaming-Dienst Deiner Wahl. Toll wäre ein Feedback direkt an mich und (und) eine Bewertung auf dem jeweiligen Streaming-Dienst. Und last not least: Rückwärtshören oder -ansehen auf dem Walk-Män-Kanal macht Sinn - hier gibt es noch sehr viele spannende, unterhaltsame und informative Aufnahmen zu entdecken. Bleib wach, gesund und aufmerksam, Dein Ralf Baumgarten

Hello gang, I recorded this on Friday for tomorrow's throwback Saturday Night show. On the security hour, we're going to cover something we also covered as part of TSB 237 which also got released today because we've been busy.We'll have news notes from the landscape if any and it'll mainly be an open forum.Show is on Saturday, 7 pm CT, 8 ET on the independent channel at http://magnatune.jaredrimer.net so why not join?See you next time!

Episode 9 was for the newsletter for April 22nd. There was a comment to the accompanying blog post of one of the stories which was shared by TSB staff during a news notes segment. Here are the notes for episode 9. Welcome to episode 9 of Sans. This is for the Newsletter that is released on April 22. Several of these items are on the blog, and this">https://view.email.sans.org/?qs=e408d7e646202b4bf5159051ce27ed075e7e9bca62bb7605eea29fd3ce6542bef88e931db0bdebb0a927ccac6d682e8f2429704936d6b88a8f000f5b2bdadb6fdd02c2de82874e6eb46a26f15b698d16">this is the link to the newsletter you'll need. We hope you enjoy what's news, and we'll see you again on another edition of the program very soon.

www.beautyschoolbobbi.com www.beautyandstylenetwork.com   Follow Beauty and Style Network: @beautystylenet Follow Beauty School Bobbi: @beautyschoolbobbi Follow Nyalee Seiber: @inspoforreelz Follow America's Beauty Show: @americasbeautyshow   Bobbi and Nyalee recap their experiences at America's Beauty Show, discussing the evolution of their content creation, the dynamics of their team, and the memorable moments they shared with industry icons. They reflect on the importance of organization, confidence, and fashion in creating a successful event experience, while emphasizing the supportive environment fostered by their team and the ABS staff. In this conversation, Bobbi and Nyalee reflect on their experiences at a recent event, emphasizing the importance of teamwork, memorable moments, and the connections made. They share anecdotes about their favorite experiences, including the significance of food breaks, the excitement of the venue, and the joy of supporting each other. The discussion highlights the impact of community and recognition, as well as the magic of the event that left a lasting impression on everyone involved.   Chapters 00:00 Introduction to America's Beauty Show Recap 03:13 Behind the Scenes of Event Content Creation 06:08 Team Dynamics and Organization at ABS 09:04 Building Confidence in a High-Pressure Environment 12:01 Memorable Moments with Industry Icons 15:00 Fashion and Presentation at ABS 17:58 The Importance of Team Support and Collaboration 30:37 The Importance of Team Dynamics 31:03 Fueling the Journey: The Panini Experience 33:33 Venue Walkthrough: A Special Moment 36:52 Building Each Other Up: Support and Encouragement 38:43 The Excitement of the Show Opening 39:08 Memorable Moments at Joe's Live 42:00 The Power of Connection and Community 44:51 Celebrating Achievements: Recognition and Pride 46:09 Unexpected Surprises: One of Everything 49:15 Embracing Youth and Potential 50:06 The Impact of TSB's Presence 52:01 Waiting for the Right Opportunity 56:51 Reflecting on the Experience: Magic and Growth

Send us a textIn this episode of The Sober Butterfly Podcast, host Nadine Mulvina partners with Salt River Therapy to explore how therapy can help break the cycle of people-pleasing in sobriety. Licensed therapist Alexandria Atkinson shares her own healing journey and explains how trauma, attachment wounds, and fear of rejection fuel people-pleasing behaviors.Together, they unpack how to set boundaries, sit with discomfort, and show yourself the grace you offer others. 

For years, two-year fixes were the mortgage of choice for most homeowners - but borrowers piled into five-year deals in 2022 and 2023 in a bid to lock in super-low rates. Now, UK Finance figures show shorter fixed deals are once again back in vogue. Does that mean people think rates are heading down - and what do you need to think about when choosing yours? This is Money's Helen Crane and Georgie Frost discuss.  Elsewhere in the property market, TSB data reveals that the average first-time buyer is now past their 30th birthday in all but one region of Britain. Perhaps more surprisingly, though, the amount people borrowed from family to get on the property ladder went down last year.  The team ask why that is, and tips for saving a house deposit.  Donald Trump's tariffs have continued to dominate the headlines this week, causing a whirlwind on the global markets.  Is this going to bring down savings rates for good, and what can people do with their money instead?  On the bright side, though, it means there might be a very short window in which you can buy a cheap TV. We are also running a listener survey, to get your thoughts on what you like about the podcast and what we can improve. We would really appreciate if you could take a few minutes to fill it in - you can do so here. 

The preliminary accident report on the February crash of the Endeavor Air CRJ-900 in Toronto, Canada has just been released. John Goglia, Todd Curtis and Greg Feith examine the facts provided as well as the gaps in information that still exist.The reported descent rate at touchdown was very close to the descent rate the detectives estimated based on a screen grab taken from a witness video. While confirming some observations, the report is missing key information including the conversations on the cockpit voice recorder.About a month after the Toronto crash, another Endeavor CRJ-900 had a wingtip strike in similar wind conditions at LaGuardia airport. The similarities between the Toronto and LaGuardia incidents may direct investigators to look at the airline's training.The preliminary report covers key aspects of the crew's training and experience. The first officer was the pilot flying the flight and had fewer than 1,500 total flight hours. In the 30 days prior to the accident, the first officer had about 10 times as many flight hours as the captain.The report does detail the captain's role in the Toronto crash. Was he performing duties typical of the non-flying pilot or coaching the first officer? Was he prepared to take control of the aircraft? Unlike the NTSB, the Canadian TSB may only publish a summary of the cockpit voice recorder conversations and not the full transcript. The person who recorded a video of the crash sequence from an aircraft close to the crash scene should submit that video to the TSB for use in the investigation. The video might help the investigation. Don't miss what's to come from the Flight Safety Detectives - subscribe to the Flight Safety Detectives YouTube channel, listen at your favorite podcast service and visit the Flight Safety Detectives website. Music: “Inspirational Sports” license ASLC-22B89B29-052322DDB8

OVERVIEWHow much fatigue can an athlete accumulate without hurting recovery and hindering progress? That's the million dollar question for all coaches and athletes because it reveals how much training you can do in a given time, what type of workouts to use, and even what goals are within your reach. Coach Adam Pulford delves into the software tools he uses to analyze athlete data, monitor fatigue, assess an athlete's capacity for future training, and much more. Listen to Episode 242 of "The Time-Crunched Cyclist Podcast" and learn to leverage your training data to supercharge your training and results. TOPICS COVEREDWhat training metrics represent fatigue?Defining training stress score (TSS)Acute vs. chronic training loadHow stress (fatigue) is balanced by rest (recovery)Why "ramp rates" matter and how to use them to plan trainingASK A QUESTION FOR A FUTURE PODCASTLINKS/RESOURCESWhy Ramp Rate is an Important Training Metric | TrainingPeaksA Coach's Guide to ATL, CTL & TSBFatigue (ATL) – TrainingPeaks Help CenterWhat are CTL, ATL, TSB & TSS? Why Do They Matter?Core TrainingPeaks Metrics Explained: Fitness, Form, FatigueThe Foster Score: A Simple Yet Effective Way to Measure Training Load in Endurance Sports - LudumHOSTAdam Pulford has been a CTS Coach for nearly two decades and holds a B.S. in Exercise Physiology. He's participated in and coached hundreds of athletes for endurance events all around the world.Listen to the episode on Apple Podcasts, Spotify, Stitcher, Google Podcasts, or on your favorite podcast platformGET FREE TRAINING CONTENTJoin our weekly newsletterCONNECT WITH CTSWebsite: trainright.comInstagram: @cts_trainrightTwitter: @trainrightFacebook: @CTSAthlete

Morse code transcription: vvv vvv Qatar Airways Crew handled dead body on flight appropriately Gene Hackman What we know about the deaths of the film star and his wife Chris Mason Starmer wins Trump over but uncertainty over Ukraine lingers Lands End lighthouse fog alarm sounding all day, all night Key takeaways from Keir Starmers talks with Donald Trump Lloyds, Halifax and TSB banking apps not working, thousands say The US supermax prison the government hopes will solve UK prison crisis Katy Perry will head to space on Blue Origin all women flight Ive lost 4,500 sheep to thieves on Dartmoor England GPs hope to see more patients after agreeing new deal

Morse code transcription: vvv vvv Lloyds, Halifax and TSB banking apps not working, thousands say Ive lost 4,500 sheep to thieves on Dartmoor Qatar Airways Crew handled dead body on flight appropriately Chris Mason Starmer wins Trump over but uncertainty over Ukraine lingers Katy Perry will head to space on Blue Origin all women flight England GPs hope to see more patients after agreeing new deal The US supermax prison the government hopes will solve UK prison crisis Gene Hackman What we know about the deaths of the film star and his wife Key takeaways from Keir Starmers talks with Donald Trump Lands End lighthouse fog alarm sounding all day, all night

Morse code transcription: vvv vvv Ive lost 4,500 sheep to thieves on Dartmoor Key takeaways from Keir Starmers talks with Donald Trump Katy Perry will head to space on Blue Origin all women flight Qatar Airways Crew handled dead body on flight appropriately Gene Hackman What we know about the deaths of the film star and his wife Lloyds, Halifax and TSB banking apps not working, thousands say The US supermax prison the government hopes will solve UK prison crisis England GPs hope to see more patients after agreeing new deal Chris Mason Starmer wins Trump over but uncertainty over Ukraine lingers Lands End lighthouse fog alarm sounding all day, all night

Morse code transcription: vvv vvv Key takeaways from Keir Starmers talks with Donald Trump Lloyds, Halifax and TSB banking apps not working, thousands say Chris Mason Starmer wins Trump over but uncertainty over Ukraine lingers Gene Hackman What we know about the deaths of the film star and his wife The US supermax prison the government hopes will solve UK prison crisis Katy Perry will head to space on Blue Origin all women flight Lands End lighthouse fog alarm sounding all day, all night England GPs hope to see more patients after agreeing new deal Qatar Airways Crew handled dead body on flight appropriately Ive lost 4,500 sheep to thieves on Dartmoor

In the latest episode of the Podcast Andy and Amelia are talking about: Andy's February savings update The latest TSB bank switch offer BA Amex boosted welcome offer For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Join us for a special year-end recap of Ungovernable Misfits, so expansive that we've split it into two parts.Part One:Evolution: We dive deep into the transformations at Ungovernable Misfits, exploring the changes in our shows and the exciting new developments.Gratitude: A heartfelt thank you to everyone who's made an impact this year. We personally acknowledge those who've contributed in various ways, listing all our Baller Boosters and generous donors.Episode Review: We'll go through each episode of The Confab, giving you a detailed rundown.Bitcoin Brief: We'll discuss Q, our transition to bisexuality, and highlight the best moments from this journey.Stay tuned for Part Two...IMPORTANT LINKS https://freesamourai.comhttps://p2prights.org/donate.htmlhttps://ungovernablemisfits.comLINCOIN MINING Struggling to keep up with the mining scene? @lincoinmining provides cutting-edge software and strategies to maximize your ROI. Problem solved.Visit https://lincoin.com to see their suite of products!ALTAIR TECHNOLOGIESAltair Tech is your one-stop shop for pleb mining supplies. They carry Bitaxes, Urlacher Conversion Kits, Bitmain Antminers, Shrouds, etc. Anything you can think of when it comes to Bitcoin Mining :).Use the affiliate link above and don't forget to use code UNGOVERNABLE at checkout.BIFROST MANUFACTURINGBifrost Manufacturing offers custom and mass-produced manufacturing services like CNC Plasma Cutting, Water Jet Cutting, Industrial and Consumer FDM services, DMLS printing, Welding and Fabrication, and product design and engineering. They also work with local educational institutions to help manufacture parts for various STEM programs.VALUE FOR VALUEThanks for listening you Ungovernable Misfits, we appreciate your continued support and hope you enjoy the shows.You can support this episode using your time, talent or treasure.TIME:- create fountain clips for the show- create a meetup- help boost the signal on social mediaTALENT:- create ungovernable misfit inspired art, animation or music- design or implement some software that can make the podcast better- use whatever talents you have to make a contribution to the show!TREASURE:- BOOST IT OR STREAM SATS on the Podcasting 2.0 apps @ https://podcastapps.com- DONATE via Paynym @ https://paynym.rs/+misfit- DONATE via Paynym to JON @ Jon- DONATE via Monero @ https://xmrchat.com/ugmf- BUY SOME CLOTHING @ https://ungovernablemisfits.com/store/- BUY SOME ART!! @ https://ungovernablemisfits.com/art-gallery/(00:00:00) For Your Safety...(00:04:43) What Did We Get Right?(00:11:57) Ch-Ch-Changes in 2024(00:17:31) Thanking the Family(00:19:19) Thank You Charles Myriel(00:20:44) Thank You Soul Exporter(00:21:21) Thank You Bubba(00:21:33) Thank You Fundamentals(00:21:49) Thank You Grandpa Shadrach(00:22:35) Thank You Agraruan Contrarian(00:24:05) Thank's For The Support Lincoin(00:25:15) Thank You Alex (00:26:09) Thank You Aaron and Bifrost (00:27:13) Thank You Bass(00:27:24) Thank You Barn(00:28:23) Thanks to The Bugle(00:29:19) Thank You Boty(00:29:55) BIG BALLERS(00:31:34) Thanks Piez, Bon & Chet!(00:32:00) Mr. Crown(00:32:12) Q & Ma Bitcoin Journayyy(00:33:02) Being Expatriotic(00:33:19) Sir Chad Farrow(00:33:31) Max Tannahill (00:33:46) Rabbit Emoji(00:33:53) Barry(00:34:08) Oscar(00:34:42) Fiat Demees & The XMR Chat Team(00:35:14) Noderunners(00:35:58) Meshtadel & Pleb Miner Mafia(00:36:30) TSB(00:36:40) BOOSTS - YEAR IN REVIEW(00:41:33) THE CONFAB - YEAR IN REVIEW (00:41:46) Diverter | The Confab 1(00:43:07) Diverter & Zelko | The Confab 2(00:44:52) Urban Hacker | The Confab 3(00:45:50) Seth For Privacy | The Confab 4(00:47:02) Max Tannahill | The Confab 5(00:48:29) Matt Hill | The Confab 6(00:52:12) Zach Herbert | The Confab 7(00:53:53) Kerim | The Confab 8(00:57:11) Seedsigner | The Confab 9(00:58:34) Oscar Merry | The Confab 10(01:01:10) Fundamentals | The Confab 11(01:04:35) Rev Hodl | The Confab 12(01:06:59) THE BITCOIN BRIEF - YEAR IN REVIEW(01:13:14) STAY TUNED...

In this episode of The Roadman Cycling Podcast, we lay the groundwork for a successful winter training season. Before you dive into structured workouts, I share five essential steps to help you avoid burnout and build a solid foundation. From taking a proper break and easing back in with cross-training to ensuring your bike is ready for the season, these strategies set the stage for long-term success. We also answer listener questions about managing training loads, sprint tactics for group rides, and understanding key metrics like CTL, TSB, and power discrepancies between indoor and outdoor setups. Plus, we explore the balance of style and substance in cycling culture—are custom shoes cool for everyone? Whether you're gearing up for winter training or just looking to improve your approach, this episode is packed with practical advice to keep you motivated and performing at your best. ⁠⁠⁠⁠⁠⁠ROULEUR⁠⁠⁠⁠⁠⁠⁠ To get 10% off your ticket to Rouleur Live just go to ⁠⁠⁠⁠⁠⁠⁠www.rouleur.cc/live⁠⁠⁠⁠⁠⁠⁠ and use code ROADMAN10 to get 10% off! WHOOP Your health underpins EVERYTHING you do in life, and WHOOP helps you understand and proactively improve it through 24/7 monitoring.  Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠join.whoop.com/Roadman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to get a free month's WHOOP membership on me! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ROUVY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ROUVY replicates terrain, gradients, and resistance, giving you the most authentic indoor cycling experience possible. Explore, train, and ride with ROUVY—visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ROUVY.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start your adventure today! And to get one month FREE use code Roadman1m ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4iiii Powermeter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The PRECISION 3+ Powermeter from 4iiii is a compact yet powerful unit & is  packed with features that set it apart, including integration with Apple's Find My network PLUS It's got up to 800 hours of battery life.Learn more by visiting⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4iiii.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HUEL ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ You can order Huel Ready To Drink directly to your home,  go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠huel.com/roadman ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LeCol⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For amazing cycling kit go check out LeCol at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lecol.cc⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Use code roadman20 to get 20% off your LeCol order The heart beat of our community & best place to reach me is ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Want to watch full interviews on video? Check out our new Youtube Channel ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/roadmancycling?sub_confirmation=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

If you are looking for cogent arguments, then there was no shortage of them from the banks this week in front of the Parliamentary committee looking into banking. They are doing this because the Government has decided banks need some kind of reform and there is not enough competition. What they plan to do about it we don't know, but it's the same argument around telcos, and petrol, and supermarkets, and airlines. Of particular concern to the Government is the way the farmers are treated. There is dispute within the banking community, like KiwiBank, Heartland Bank, SBS, and TSB, all say it's not fair, the regulation is troublesome, and the playing field is not flat. The bigger players say things are fine. Of course they would say that. But between them, and if you want to add the non-bank lenders, there seems to be no shortage of options. The defence is that farm bank lending is tough work and it's tough work because lending money to farmers carries risk. Returns from rural lending isn't as high as city lending. The complaint about farmers having higher rates is because a lot of farms operate on flexible rates, not fixed. All the banks talked of their market share. No one bank dominates and a number of banks have grown their books. None of this is to defend the banks at the expense of the farmer, it's just to say that there doesn't appear to be one side overtly more right than the other. The ANZ boss this week more broadly defended her bank's profits. She was on a hiding to nothing. She too was cogent, made sense, and put up a good explanation as to how banks work and what sort of return they need. It will make no difference, which is the big problem we, or in this case the Government, has with big business. They say there must be a lack of competition, profits are too high (without of course anyone defining what exactly is an acceptable profit) and so we will need rules, threats, and the Commerce Commission. But I will tell you this for nothing - none of it will change. My very broad conclusion for all these industries is we have an imperfect market, based partially, but in no small part, on the fact we are a tiny isolated country with five million people. We think we should get better than we do and by being hoodwinked into thinking that, someone must be a robber baron. They aren't, but it makes us feel better. See omnystudio.com/listener for privacy information.

In this week's truck news recap, Publisher Tim Esterdahl once again talks about the ongoing drama between the UAW and Stellantis, he also found the price for a new 2025 Ram 1500 Brazil pickup and details the expansion of a Toyota Tacoma transmission TSB.Here is the latest on Jill's Rebelle Rally experience: https://forum.pickuptrucktalk.com/threads/shout-out-to-jill-2024-rebelle-rally-2024.564/#post-6592Check out our Forum: https://forum.pickuptrucktalk.com/Support the show

Kaiser Chiefs bassist Simon Rix trashes TSB and looks ahead to a trip to bottom of the table Cardiff. Hosted on Acast. See acast.com/privacy for more information.

Transport for London has admitted a cyber attack hitting its IT systems is much worse than initially thought.Ross Lydall has the latest on the investigation, the risk to passenger data - plus, what's happening with Central Line delays linked to ongoing rolling stock refurbishment.In part two, a new wave of fixed mortgage rate cuts is on the way for lucky borrowers on Friday 13 as home loan costs continue to fall.Evening Standard business editor Jonathan Prynn examines data showing major high street lenders TSB, Nationwide and HSBC will cut rates across their range of fixed rate products in the latest flare up in the mortgage price war. Hosted on Acast. See acast.com/privacy for more information.

Leave a review! Does the thought of lifting with a barbell or picking up the weights on the bottom shelf of the free weight section make you feel uneasy? Maybe it's the looks from the other gym goers, or the risk of hurting yourself that hold you back. If so, I totally get it! (I had both of these just a few years ago!) In today's episode, you're getting 4 PIVOTAL mindset shifts necessary to take your strength to the next level in a way that feels safe & sustainable! After listening you'll learn ... Why so many women struggle to feel comfortable in the gym How to safely progress your training to build strength What the Bible has to say about being bold and courageous in the gym Next steps: 1. Join the TSB waitlist for a progressive and proven training plan  2. Kickstart your strength (with this free workout guide) I pray this blesses you!In His Strength, Laura Lindahl

Are you tired of your training getting disrupted every 28-32 days? Want to feel balanced and at peace with your body's hormones? I get you! As a busy mom who got her period back 6 months postpartum, AND had severe PMS symptoms in high school, I knew I wanted to get my hormones balanced as quickly as possible. That's why I started implementing a few POWERFUL pivots in my training, lifestyle, and nutrition that have helped me have (nearly) pain-free periods that come regularly, with minimal disruption to my daily tasks and training schedule. And in today's episode you're getting ALL TEN of them (don't worry, I don't expect you to do all 10 today!) Tune in and choose 1-2 that seem helpful and see how your body responds! Next steps: Want a coach who's on your team to help you sustainably build strength from a faith-focused approach? Book a Discovery Call with Me! Want to join the TSB crew for monthly coaching calls designed for faith-fueled women paired with a complete and progressive training plan? Join the True Strength Builder WaitlistI pray this blesses you!In His Strength, Laura Lindahl

Dr. Meagan Seay discusses a relatively recently described but very interesting phenomenon called transient smartphone blindness. This is a phenomenon causing acute, painless, transient, monocular vision loss associated with smartphone use while lying down in the dark. Show reference: Transient Smartphone Blindness - EyeWiki 

Reaction on the whistle to the breathless season curtain raiser against promoted Pompey. Live streamed for TSB+ members .