Podcasts about Untouched

Mike Wills is joined by Hilary Joffe, seasoned Business Day columnist and one of the sharpest economic analysts in the country, to help us make sense of what this budget really signals for the economy, investors, and the South African public Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Today I sit down with Denis Langlois — father, climber, and dedicated route developer. Like many of us he balances climbing with a busy life of work and family. Denis found that bouldering gave him the most freedom. It let him climb on his own schedule — quick sessions, solo missions, and total flexibility.One day, while commuting to a job site, he passed through a narrow canyon next to his home town in in British Columbia, Canada..and something caught his eye… boulders — tons of them. Unclimbed and Untouched. Denis knew he had to come back.Fast forward to today — thanks to his vision and the help of a few committed locals, the Fraser Canyon is now home to more than 80 established boulder problems, ranging from V0 to V10, with development still ongoing.In this episode, we dive into the deep and layered history of Fraser Canyon — from the Gold Rush to its roots in Indigenous land. Denis shares his personal journey in climbing, how he fell in love with the area, and what it's been like developing a climbing destination from scratch.He's also teamed up with video producer Jesse Wheeler to create a beautiful short film about the canyon and its development — be sure to check that out after the show.I love having route developers on this show — these are the folks literally giving back to the community by creating more places for us to climb and they usually do so out of their own pocket with their own passion… So if you're ever heading up to Squamish, looking to avoid the crowds and try something new, make a stop in Fraser Canyon. Check out the boulders, soak in the views, and if you can, give Denis a shout — as I am sure he'd be stoked to show you around.----HELP SUPPORT THE SHOW & GET ACCESS TO EXCLUSIVE EPISODES!  For a little as $5/mo!----Don't forget to check out our full video episodes on Youtube!The TCM movement is growing but we need your help to spread the word! Please share this podcast with your friends and family. Word of mouth is one of the best ways to support the show. If you enjoyed the show we'd appreciate it if you could rate and review us on your favorite podcatcher.We are always looking for new guests. If you or someone you know would be a great fit for the show please don't hesitate to reach out. You can reach us on IG or email us directly @ theclimbingmajoritypodcast@gmail.com---ResourcesKaya Climbing App (Download For Route Information)Short Film: Gold Rush: The Nuggets They Left BehindDenis' IGJesse's IG

What Is It that is Untouched by Doubt Learn more about your ad choices. Visit megaphone.fm/adchoices

Fall asleep to the gentle unfolding of Journey to Gaia, a guided sleep story that blends calming narration, meditative reflection, healing music, and nature sounds. This immersive audio experience leads you on a dreamlike expedition to Gaia—a mythical land untouched by human hands, where ancient trees whisper secrets, rivers run clear, and harmony reigns among flora and fauna. Explore ancient libraries, uncover forgotten maps, and follow a path through unspoiled wilderness until you arrive at the heart of Gaia, where the boundary between humanity and nature disappears. Perfect for nighttime relaxation, deep sleep, and mindfulness, this episode offers a profound reminder of our connection to the natural world. Let the sounds of the forest, soothing narration, and serene atmosphere lull you into restorative sleep.   Discover a better way to unwind at night with the Your Sleep Guru app—available on the App Store and Google Play, with additional access on Apple TV.   Created to help you relax deeply and fall asleep naturally, Your Sleep Guru blends calming sleep stories, healing soundscapes, and guided meditations inspired by the beauty of the natural world. Whether you're easing anxiety, recovering from a stressful day, or simply seeking better sleep, this audio-first experience offers a thoughtful, peaceful alternative to the noise of modern apps.   Highlights: – Guided sleep stories and soundscapes inspired by nature – Binaural beats and healing frequencies for deep relaxation – Curated playlists including Ocean Dreams, Forest Journeys, and Ancient Places – Available on mobile for bedtime and meditation routines – Now also accessible on Apple TV for relaxed, screen-free listening in your space   Download the Your Sleep Guru App: Apple App Store Google Play

A man sits alone in his worn-out armchair, the flicker of a TV casting shadows across the room. Then, out of nowhere, a spark—no warning, no flame, just a sudden, impossible heat. In minutes, he's gone, reduced to ash, while the chair beneath him barely smolders. They call it spontaneous human combustion, a mystery that creeps into the edges of our understanding, leaving behind questions that itch at the back of your mind. How does a body burn so hot, so fast, with no source, no fuel, no mercy? Now imagine the stories—hundreds of them, whispered over decades. A woman found in her kitchen, nothing but a pile of soot and a single unburned foot, the stove cold as stone. A farmer in his field, charred to nothing while the grass around him stays green. No screams, no smoke, just silence and a lingering smell of something wrong. Scientists scramble for answers—chemical reactions, freak accidents—but the truth slips through their fingers like ash in the wind. Tonight, we're diving into that darkness, peeling back the layers of this eerie riddle. What ignites a person from the inside out? We'll see you on the inside.  TIME STAMPS: 0:00 - Cold Open w/ Distractions 1:14 - Intro Music 2:33 - Nightmare of a Nail Biter 5:29 - Christian's "Life Advice" 6:54 - This is Why We Have Timestamps, Folks. Use 'em.  8:59 - Today's Topic: Spontaneous Human Combustion 10:52 -  Polonus Vorstius (Milan, Italy - 1400's) 13:42 - Why No Church Records From a Random Tavern? 14:13 - Thoughts on Spontaneous Human Combustion 15:28 - Nicole Millet (Paris, France - 1725) 16:03 - No Hearths Were Stroked, Apologies 18:23 - Wooden Spoon, UNTOUCHED!  19:26 -  Countess Cornelia Zangari de Bandi (Cesena, Italy - 1745) 20:28 - Important Bob Villa v. Bob Villa Tangent  23:13 - Mary Reeser (Florida, USA - 1951) 26:25 - Can You Shrink a Skull?  28:22 - Dr. J. Irving Bentley (Pennsylvania, USA - 1966) 29:28 - The Bathe v. Fat Greasy Deuce Debacle  31:20 - Scott's Confusion Intensifies  32:42 - George Mott (Crown Point, New York - 1986) 32:59 - Widowers & Alcoholism   34:35 - Frank Baker (Vermont, USA - 1985) 35:49 - Much Needed Dry Mouth Cranberry Tea Break  36:53 - A Rare Survivor Thanks to Doinkin' 37:49 - Michael Faherty (County Galway, Ireland - 2010) 39:13 - Scott Accidentally Pisses Off His Irish Brethren, Apologies 41:03 - Unnamed German Woman (2015, Flensburg, Germany) 43:33 - The Wick Effect & Other Theories 45:03 - Experiments on Pig Carcasses (Nice)  53:50 - It Got Christian.. -------- If you want to become a producer, visit this link: http://bit.ly/3WZ3xTg Episode Producer: Eric Long -------- The Twilight Zone meets Mystery Science Theatre 3000 meets an uncomfortable Thanksgiving dinner conversation with your in-laws. TFD is a weekly paranormal comedy podcast featuring real ghost stories, Cryptid lore discussions, and true paranormal experiences catering to the week's theme. Fresh episodes drop every Thursday across all podcast platforms, and feature perspectives from both believer and skeptic sides of the aisle. So if you're a fan of haunted places, terrifying paranormal activity, and true ghost stories from real people, you're in the right place, friend. Recorded in an undisclosed location somewhere in the beautiful woods of Wasilla, Alaska.   ++SUBMIT YOUR STORY FOR OUR LISTENER STORY EPISODES++ Email: thegang@thefreakydeaky.com Voicemail: 801-997-0051 ++WEBSITE & MERCH++ Website: www.thefreakydeaky.com Merch: www.thefreakydeaky.com/store ++FOLLOW OUR SOCIALS FOR EXCLUSIVES++ YouTube: https://bit.ly/3goj7SP Instagram: https://bit.ly/2HOdleo Facebook: https://bit.ly/3ebSde6 TFD Facebook Group: https://tinyurl.com/tfdfb TikTok: https://bit.ly/35lNOlu

Jackie hurls a fellatory insult at a woman standing in her parking spot, has a romantic encounter with her Uber driver, and reveals her idea for a shit talking Socratic seminar of a birthday party.Thanks for Supporting My Sponsors:VIIA: If you're 21 or older, try VIIA during their annual SPRING 420 SALE for Black Friday-level savings up to 35% off site wide at www.viia.co/BIBLEThis episode is brought to you by BetterHelp: Your well-being is worth it. Get 10% off your first month at www.BetterHelp.com/BITCHBIBLEGDEFY: Use the code BITCH for 30% off orders over $120 at www.gdefy.comHome Chef: For a limited time, get 50% off and free shipping on your first box, plus free dessert for life at www.HomeChef.com/BIBLESee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Okay babe, buckle up—this one's steamy, smart, and full of surprises!

Zuckerman just scored a unicorn—a Dakar Yellow E39 BMW M5 with only 633 ORIGINAL MILES! Spike, Zuckerman, and guest Drew Leslie from EAG break down the absurd negotiation process, the restoration challenges, and whether this car is too perfect to drive. Plus, Spike dishes on his Porsche Panamera Turbo E-Hybrid road trip, the auction of his ‘66 Triumph Bonneville, and Jonny S on the Moda Miami car scene. _____________________________________________________

We've got a full squad back on the Podcast this week! Sobi is back from being on the road squeezing every last second of life out of the Ice Fishing Season. The boys all catch up on what they've been up to lately, and do a little Bassmaster Classic preview as well as a Fantasy Fishing Update.We then bring on a friend of ours, NFL Center Frank Ragnow, to chat about an incredible adventure he took into the Canadian Wilderness with Jason Mitchell to fish an UNTOUCHED Lake in Northern Saskatchewan. Hearing about this trip is absolutely epic, and we catch up with Frank about a bunch of other stuff he's done in the fishing and outdoors world. Frank is an A+ human being and it's impossible not to feel his love for the outdoors.After our interview we talk a little bit about what's been going on in the world, as well as preview an award we want to follow more closely, Carl Jocumsen's "Fear My Heart" award. We then end with a good 'ol segment of The Weigh In, this time we're talking the Best Frozen Pizza's.Strap in!~ Past The Barb Social Media ~ Email Us Questions and Feedback: pastthebarbpodcast@gmail.comInstagram: @pastthebarbpodcastFacebook: https://www.facebook.com/profile.php?... ~ Follow Us On Social Media ~ Adam Bartusek Instagram: @adambartusek Adam Bartusek Facebook: https://www.facebook.com/adambartbart... Ryan Pinkalla Instagram: @ryan_pinkalla Ryan Pinkalla YouTube: https://www.youtube.com/channel/UCiRa... Sam Sobi Instagram: @sam_sobi_ Sam Sobi Facebook: https://www.facebook.com/sobieckfishing

This one goes out to the nightshift.   Support the 1 true nightshift pod here www.patreon.com/troofseeking and get extra episodes

Editors Jimmy Lovaas and Jeff Landset discuss deadly gang attacks in Haiti's Kenscoff area, plus more on elections in Germany and Ontario, Canada, a return-to-office order for US government workers and a toxic debris cleanup deadline for the Los Angeles fires.Subscribe to the show: Apple Podcasts, Spotify and many more. These stories and others are also available in our free weekly Forecast newsletter.This episode includes work from Factal editors Jeff Landset, Jess Fino, Jaime Calle Moreno, Vivian Wang and Owen Bonertz. Produced and edited by Jimmy Lovaas. Music courtesy of Andrew Gospe. Have feedback, suggestions or events we've missed? Drop us a note: hello@factal.comWhat's Factal? Created by the founders of Breaking News, Factal alerts companies to global incidents that pose an immediate risk to their people or business operations. We provide trusted verification, precise incident mapping and a collaboration platform for corporate security, travel safety and emergency management teams. If you're a company interested in a trial, please email sales@factal.com. To learn more, visit Factal.com, browse the Factal blog or email us at hello@factal.com.Read the full episode description and transcript on Factal's blog.Copyright © 2025 Factal. All rights reserved.

I've heard from a few people over the years that they don't edit their podcasts...at all. So today we're diving into if you really need to edit your podcast episodes, or, can (or rather-should you) just publish them raw right after you're done recording? Hit play to gain a new perspective!Ready to launch your podcast? https://pamelakrista.com/podcast-launch/Need a podcast manager (me!) to help you edit, upload and schedule your podcast episodes: https://pamelakrista.com/podcast-managementFree monthly networking calls for moms who podcast: https://pamelakrista.com/podcast-networkingConnect with Pamela:Website: https://www.pamelakrista.comInstagram: @pamelakrista Email: hello@pamelakrista.com

[WEEKEND RECAP 02-15-25] Do you know anybody unhappy with Trump? Not a single person who voted for him is. And the 70% who like what he's doing is the ACTUAL number of Americans who voted for him. Trump got between 65-68% of the vote. I firmly believe those numbers and it tells us how much cheating Democrats did to make it look close.  Anybody who voted for Harris or was on the fence should have to have the choice of getting punched in the throat or kicked in the buttocks. POTUS said that it costs 2 cents to make a penny. No more pennies. Totally smart move.John Stossel on 3 cents to make a penny $100M a year to make a penny The dismantling of the Leftist machine by DOGE will impact politics forever more, as Team Trump continues taking a wrecking ball to the establishment.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-kevin-jackson-show--2896352/support.

Below The Belt Show (www.belowthebeltshow.com) presents a stellar show as we welcome one of the all-time greats of pro tennis and a tennis shoe entrepreneur, the one and only Stan Smith! Stan along with Director Danny Lee talk about the documentary feature "Who Is Stan Smith" detailing the life story of the Tennis Icon. Sam talks about his friendship with Arthur Ashe, what he wishes made it into the film, his experience amidst the Vietnam DMZ zone when travelling and of course his iconic shoes and his thoughts on celebrities wear them! Director Danny Lee talks about shooting the documentary, the challenges of editing/postproduction and more! Dont' miss it! BTB's host with the most Al Sotto brings to you another entertaining program! In addition, The "King of the 80s" Chachi McFly, Mike "The General" Zad, "The Ravishing Russian" Anna Kuchma, "The Freakin Rican" Desi Velez and "The Adorable One" Ali Dash join in for the all the fun! Classic Cut: Deniece Williams "Let's Hear It For The Boy" Classic Cut: The Veronicas "Untouched"

As authored by Jordan Joseph.

Gavin Ortlund defends Wes Huff from the critiques of Alex O'Connor of several of his claims during his interview with Joe Rogan. Alex's video: https://youtu.be/I0qzvDSmKi4?si=zlkWHeQs0cwunCrv Wes' video on Jesus' divine claims in Mark: https://youtu.be/YwQF-SS-O_g?si=yUO3bMtfVNAWqbuC My video on Jesus' claims to be God: https://youtu.be/D86S26863VM?si=Ku-J5u6bDs2bFWwX Truth Unites exists to promote gospel assurance through theological depth. Gavin Ortlund (PhD, Fuller Theological Seminary) is President of Truth Unites and Theologian-in-Residence at Immanuel Nashville. SUPPORT: Tax Deductible Support: https://truthunites.org/donate/ Patreon: https://www.patreon.com/truthunites FOLLOW: Instagram: https://www.instagram.com/truth.unites/ Twitter: https://twitter.com/gavinortlund Facebook: https://www.facebook.com/TruthUnitesPage/ Website: https://truthunites.org/

Austin Witsit, @witsitgetsit Joins Stew to discuss the LA Fires and more Weather Weapons like the "Toxic Fog" being unleashed onto the public that's poisoning us!   Stew exposes evidence of Direct Energy Weapons being used in the LA Fires and asks the questions nobody is asking!   Stew reacts to President Jimmy Carter's funeral, which included many strange moments and captured Trump, Obama and the rest of the Deep State gang looking like BFFs!   Watch this new show NOW at https://StewPeters.com!   Western civilization has been infected by a parasitic invasion of foreign ideals and values that have been introduced into our culture by strange and morally degenerate people whose goal is world domination. We have been OCCUPIED. Watch the film NOW! https://stewpeters.com/occupied/   Become an SPN member to gain access to exclusive content and unlock premiere benefits, including personal interactions with Stew, VIP event tickets, and live giveaways. https://stewpeters.locals.com/   Check out the Stew Peters Store for all things Stew Crew merchandise and more! https://spnstore.com/   These loyal and courageous sponsors chose to stand with us despite the cancel culture backlash. Support their bravery below: Red light therapy is scientifically proven to prevent and beat cancer, autoimmune disease, thyroid disease, arthritis, dementia, and tinnitus while achieving great results with weight loss, wrinkles, acne, and stem cell regeneration. Watch medical journalist Jonathan Otto's free training and get the best at-home red light therapy devices at the lowest prices. Go to: https://myredlight.com and use the promo code “STEW10” for an additional 10% off your order!    Cortez Wealth Management makes financial planning for you and your family. Find out how you can rely on this America First financial advisory and get your retirement plan today by calling 813-448-3446 or by visiting https://cortezwm.com   Do yourself a favor and make Magnesium Breakthrough part of your daily routine this year to get the vitality you need to conquer your dreams. Go to https://bioptimizers.com/stewpeters now and enter promo code “stewpeters” to get 10% off any order  if you subscribe, not only will you get amazing discounts and free gifts, but you will also make sure your monthly supply is guaranteed.    Please support your child's natural immunity throughout the year with Z-Spike Gummies and use code “SPN” for buy one get one 15% off at:  https://zstacklife.com/spn   Don't let Big Tech track you. Visit http://abovephone.com/stewpeters/ to register for their free webinar “The Future of Cell Service” on January 21 @ 1:30 pm CST.    Don't miss your chance to own this one-of-a-kind Holocaust encyclopedia. You can get yours by visiting http://holocaustencyclopedia.com/ or at https://armreg.co.uk/product/holocaust-encyclopedia/ using promo code “stewlikesbooks” for 15% off your order.   Preserve heart health and be the best version of yourself with Cardio Miracle by checking out: http://HighPowerHeart.com.   Kuribl- We have products to help manage your stress through the holidays; visit https://kuribl.com/ Use promo code “Stew20” for 20% off. Extra 10% off for 72 hours. (Total 30%) Spotlight products this month - 3000mg CBD oil Mint https://kuribl.com/collections/kuribl-premium-tinctures/products/kuribl-3000mgs-premium-mint-tincture - 3000mg CBD oil cinnamon https://kuribl.com/collections/kuribl-premium-tinctures/products/premium-kuribl-cinnamon-3000mgs.   Nutronics Labs' Testosterone Booster: Man's Edge with NO2 - visit https://getigf1.com and use code “STEW.”  NO FILTERS: Clean up your AIR with these high-quality air filtration systems, and protect yourself from shedding: http://airwaterhealing.com/ Promo code “STEW”   Mastering Mental Health with Diana Ketterman. You can get her new book, TRUTH IS NOT OF THIS WORLD, right now by visiting https://authordianaketterman.com/.    Diana wrote this book to educate Christians who believe the Scofield Bible; there is a difference between Biblical Israel and Rothschild Israel. DON'T BE THE LAST TO KNOW!   Visit Https://EuropaTheLastBattle.net to watch Europa for free. Please consider buying a DVD copy. Available online at https://InvisibleEmpirePublishing.com/Europa. Europa The Last Battle is now for sale on Blu-Ray in 28 Languages!  Get it here  http://InvisibleEmpirePublishing.com/Europa   One drink a day is all it takes to look and feel healthier with more energy. Get your New Year's discount with code STEW at http://fieldofgreens.com!    Stay up to date with Stew by following him on all socials! Locals: https://stewpeters.locals.com/ Twitter: https://twitter.com/realstewpeters Telegram: https://t.me/stewpeters Gab: https://gab.com/RealStewPeters GETTR: https://gettr.com/user/realstewpeters Truth:  https://truthsocial.com/@RealStewPeters  

“Unknown Nations:  Greg Kelley is our guest for a lively discussion about ‘unknown nations' — his term for those regions and people groups that have, as yet, been untouched by the gospel of Jesus Christ.  Greg is the CEO of Unknown Nations — and the former host of our ‘Gateway to the Unreached' podcast.”  

Exploring the Untouched Corners of Your Potential in 2025! "Whatever your hand finds to do, do it with all your might, for in the realm of the dead, where you are going, there is neither working nor planning nor knowledge nor wisdom" Ecclesiastes 9:10 Do you ever feel the stirrings of curiosity, a gentle pull toward something unfamiliar and new? This is your creative spirit urging you to explore and grow. Engaging in new hobbies or passions can refresh your mind and soul, like a spring rain rejuvenating the earth. With Ecclesiastes 9:10 mindset, imagine how invigorating it would be to spice up 2025 by immersing yourself in new creative endeavors. As Albert Einstein once said, Creativity is intelligence having fun. It's time to let your inner genius loose—to paint a landscape unspoiled by doubt or fear. Much like the parable of talents told in Matthew 25:14-30, investing time and effort into discovering new interests can yield abundant rewards. You're nurturing seeds that will bloom into beautiful skills by exploring those untouched corners of your potential. Romans 12:2 says, "Do not be conformed to this world, but be transformed by the renewal of your mind, that by testing you may discern what is the will of God, what is good and acceptable and perfect." Sometimes, our daily routines become repetitive threads woven too tightly around our lives. To break free from stagnation's embrace, introducing fresh creativity offers a liberating breath of air. Proverbs 16:3 advises us to “commit to the Lord whatever you do,” ensuring plans will succeed as you dare try photography or join that pottery class calling out your name—each act enriches mental flexibility while reducing tendencies toward forgetfulness. Remember that embarking on the journey of creativity isn't about perfection but nourishment for both brain and heart. It's akin to tending a garden with diligent care as every hobby explored fosters cognitive vigor similar beyond simply keeping active—a divine form of renewal meant for every age stage journey. Amen. 2 Timothy 2:15 says, "Do your best to present yourself to God as one approved, a worker who has no need to be ashamed, rightly handling the word of truth." Amen. Prayer for the day! Heavenly Father, we come before you with open hearts, seeking your guidance and strength in 2025. May the Lord Jesus illuminate our paths as we journey into unexplored territories of our lives. Help us to recognize the hidden gifts and talents within us that are yet to be discovered. In Jesus' name. Amen. https://maglife.org/ --- Support this podcast: https://podcasters.spotify.com/pod/show/pastor-divineo/support

Time stamps: Introducing Paul… again! (00:00:46) Core Untouched Soft Work (00:01:56) Peter Todd's Criticism (00:02:19) Debate on Soft Forks (00:04:44) Luke Dash Jr.'s Perspective (00:05:00) SPV Wallets and Full Nodes (00:08:51) Data Availability Issues (00:12:10) Neutrino and Privacy (00:14:16) Dandelion++ Proposal (00:17:05) Quality of Bitcoin Core Development (00:18:45) Libbitcoin's Fast Sync (00:19:36) Bitcoin Core Limitations (00:20:01) Governance Challenges (00:20:55) 
Responsibility in Development (00:24:39) Mainstream Adoption Concerns (00:25:31) Risk of Centralization (00:26:54) Michael Saylor's Influence (00:27:55) Wrapped Bitcoin and Smart Contracts (00:33:19) Bitcoin Core's Innovation Stagnation (00:34:31) BIP 300 and Soft Forks (00:37:11) Redefining Bitcoin Maximalism (00:38:27) The Miners' Interests (00:40:46) 
Layer Two Labs (00:41:56) Explaining the Core Untouched Soft Work Proposal (00:43:53) Challenges with Soft Fork Activation (00:46:04) Slow Progress of Soft Forks (00:48:12) Competition Among Layer 1 Solutions (00:49:21) Critique of the Lightning Network (00:51:31) Concerns Over Custodial Solutions (00:53:06) Historical Perspective on Lightning Network (00:54:17) Cultural Issues in Criticizing the Lightning Network (00:55:22) Incompetence in Development (00:56:40) Potential for Improvement (00:58:57) BIP Activation Dynamics (01:00:22) Prediction Markets for Bitcoin Soft Forks? (01:01:22) Political Control in Bitcoin (01:02:49) Concerns About Full Nodes (01:04:18) Covenants and Activation Delays (01:05:38) Blockstream's Influence (01:06:56) Why Covenants Are a Mistake (01:08:01) The Role of Miners in Soft Forks (01:09:13) Misguided Investments in Technology (01:10:21) Competition in Bitcoin Development (01:11:23) Privacy Improvements in Bitcoin (01:14:46) The Search for Innovative Solutions (01:17:13) User Experience and Adoption (01:21:41) No Interest in User Experience (01:22:45) Changing the Culture (01:23:19) Technological Gaps (01:24:04) Network Effects and Competition (01:25:15) Bitcoin's Complacency (01:26:34) Decentralization Spectrum (01:28:13) Historical Context of Competition (01:29:05) Privacy Innovations (01:31:29) Politicians Praising Bitcoin (01:34:10) Mainstream Adoption (01:35:31) Innovation and Disruption (01:37:33) Sponsor Plug and Market Insights (01:38:16) Community Questions (01:42:52) Blocking on Twitter (01:43:20) Perceptions of Bitcoiners (01:45:40) Miners' Misunderstanding of Bitcoin (01:46:37) Future of Bitcoin Projects (01:49:07) Privacy Improvements in Bitcoin (01:50:15) Monero's Position in Privacy (01:51:57) Mempool Policy and CUSF (01:54:36) Conway's Law in Bitcoin (01:58:20) Criticism of Bitcoin's Direction (02:00:09) Responsibility in Bitcoin Core Development (02:01:59) Ad Hominem Attacks in Bitcoin Proposals (02:04:15) Closing Statement on CUSF (02:05:06) The Future of Consensus (02:05:16) Soft Forks and Innovation (02:06:08) Understanding Soft Forks (02:07:12) Prediction Markets in Bitcoin? (02:08:18)

JLP Thu 12-5-24 Bible Thumper Thursday HOUR 1 Trump is untouched. Biden asleep. Judgment. Supers. // HOUR 2 Calls, Supers. "The children." Anger. // HOUR 3 Satanic school. Calls. Crying: Living sacrifice. // Biblical Question: Have you discovered the traitor in you? Men's Forum TONIGHT https://rebuildingtheman.com/events/ TIMESTAMPS (0:00:00) HOUR 1 (0:05:11) Bible Thumpers (0:07:37) Devil doesn't know he's the Devil (0:16:21) Trump remains untouched (0:26:21) Biden sleeping (0:32:22) TFS, Men's Forum, Counseling (0:34:37) MICHAEL, TN, 1st: Judging a guy at work (0:43:46) Knowledge. Supers… In love. N-word (0:55:00) NEWS, End Hr 1 (1:01:08) HOUR 2 (1:04:22) REINO, MN, 1st: Covid testimony (1:11:11) JEFF, MO, 1st: Knowledge, "power." That's dumb! (1:21:46) JOSH, GA: BQ, practical thoughts? (1:31:38) Cameo, store, donate (1:35:38) Supers: Son of God. Long-haired boy? (1:41:43) RAYMOND, CA: Called to local school politics? "The children…" (1:45:56) "MARCUS," Houston, 1st, phony guy cussing (1:50:26) JOHN, NH, 1st: "The letter killeth." Who is John? (1:55:00) NEWS, End Hr 2 (2:00:58) HOUR 3 (2:03:29) Satanic Temple HAIL program in Ohio school (2:09:32) JOHN: How do you know you're a spiritual being? (2:13:39) WILL, GA, 1st… Image of Jesus: Trump! Perfect peace? (2:20:20) COLIN, Canada… BQ, appreciation (2:25:21) PAUL, IN: Jesus is the Son, not the Father. (2:32:11) JLP Network, bet on UFC? (2:34:47) KENDRA, CA, 1st: Crying, "ego death," taking it out on kids? (2:45:39) Supers: Job 38: 1, Obscure… with words without knowledge (2:46:35) DELON, NY, 1st: blacks, Judah, Judas, betrayal? (2:49:31) ALBERT, Philly, 1st, Bible thumper, "greater works" (2:54:51) ARDENE, CO: Why favor Trump, disrespectful to his wife! (2:56:46) Closing

83% of Oakland's rental housing may contain lead. Despite winning millions of dollars in settlement money from paint companies to help address the problem, the funds have remained unused as residents face potential exposure.  This episode was updated for clarity. It was produced by Ericka Cruz Guevarra and Jessica Kariisa. It was edited by Alan Montecillo, and hosted by Ericka Cruz Guevarra. Links: Toxic Inaction: Oakland's lead funding languishes as residents live with serious health risks Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, we're escaping to one of the most exclusive private islands in the world— COMO Laucala. The island is tucked away in the shimmering South Pacific in the north of Fiji. This stunning destination is more than just a tropical paradise; it's a celebration of untouched beauty, sustainable luxury, and authentic Fijian culture. Joining me is Gary Henden, General Manager of COMO Laucala Island. Gary and I chat about the island's unique history, untouched waterfall hikes, golf, diving, the warm local hospitality, and more.    Learn more at www.luxtravelinsider.com Connect with me on Social: Instagram LinkedIn  

Tonight we dive into the topic of Directed Energy Weapons and their uses.-=Links=-If you would like to join in on the conversation, Join me on Discord.Discord: https://discord.gg/a6UJEb5Dj3Twitter: https://twitter.com/magicsenshiRumble: https://rumble.com/c/c-5613161Fringe Radio: https://fringeradionetwork.com/liveSpirit Force: https://faithbucks.comIf you would like to be a guest on the show or have a topic that you want explored, please Email me with the subject "Guest"Email: captainepoch79@proton.meIf you want to support this Podcast,https://paypal.me/Magicslayer/Cashapp $CaptainEpochMusic by UDIO

Send us a textAhhh…..butterflies, racing hearts and hope for the future. *Insert sappy love song here*Do you remember your first love? Untouched by cynicism and the hurts of life. True love makes us want to go above and beyond to show how much we care; giving our attention to the relationship so it  flourishes! Oh the dreams we had…Reality often ruins these innocent moments. People fail us, and we fail them in return. Life is hard. Relationships can develop into obligations if we don't make them priorities. Our relationship with God is very similar. Salvation is incredible! It's the greatest miracle. Finally, having our eyes opened to the freedom the relationship with Jesus brings is amazing!!We have promises in scripture for new life and hope. It's exciting!!!!Time can take its toll. Life can become routine and our relationship in Christ dulls. God is faithful and he never changes. We stray away but he calls us back to himself time and time again!! Don't miss that….. HE never stops chasing His bride…. US!!! Duffy and Daniel talk about openly about their experiences in this episode. How do we get back to the NEW feeling? It's easier than you think! Thanks for joining us. We are so grateful you're joining us!Support the showCheck out what's happening locally with “1LoveHTX” and ways to get involved. www.1LoveHTX.org

News items read by Laura Kennedy include: New documentary suggest Columbus was of Spanish Jewish heritage (details) Untouched burial chamber discovered beneath Petra's ‘Treasury' (details)(details) Unearthed throne room suggests Peru's ancient Moche society had a female ruler (details)(details) Fifty well-preserved Viking era skeletons discovered in Denmark (details) å

Andrew Garfield shared the trick he used back when he was a waiter, and claims that every waiter still does it today. Plus, Travis Kelce has a theory on why he feels so comfortable in the spotlight… It's all thanks to mom. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode brings you to the peaceful landscape of enchanted Sweden.Be prepared to hear the voice of your soul echoing in your heart toning the song of nature's endless woodlands and waterways.Julia is joined by Klara Foldys, modern mystic and owner of a Swedish holiday cottage agency. Dream along as you enter a world where wildness is left intact. Tune in for:An absolutely enlightening journey into the mystical embrace of Sweden's untouched landscapesThe medicine of silence revealing profound insights about life Connecting to the spirit of a place, feeling it in every movement of the trees and the sounds of the lakes Sweden's unique perspective on land accessibility and how honoring the land fosters deep connectionHow your soul can co-dream and co-create with nature  About Klara:Klara is a modern mystic, writer and owner of two businesses. She crafts brands for soul-led businesses and helps mystics get clarity on their visionary work in the world, supported by her background in graphic design, transformational coaching, energy work and the Gene Keys. Furthermore, she runs a small holiday house agency for Sweden, a family business that's successful since 1997, giving Swedish cottage owners the chance to rent out their summer abodes to nature-lovers, Scandi-fans and those who seek to connect with the magic of the North.  Connect with Klara:Klara's Website: https://theweaverskinship.comKlara's Branding Newsletter: https://theweaverskinship.myflodesk.com/weaverswisdom  Website Swedish Cottage Homes: www.svevilla.com/deInstagram: @mysticbrandstudio; @svevillaSubstack: https://starborn.substack.com If you like the show, please do me a favor and like, follow and leave me a review or tag me on your socials #thesacredtravelpodcast. Thank you so much!  Ready to embark on your own expansion journey?Check out upcoming Conscious Travel and Sacred Site Pilgrimages with me. Connect with me on Instagram: @soul_wisdom_by_julia  For more information and to subscribe to my newsletter, visit www.soulwisdom.ch.SOCIAL COPY

In this episode, Chris welcomes Peter Fong to discuss his conservation efforts in one of the most remote places on the planet, Mongolia and Lake Baikal. Peter shares his unique journey from fish biology to becoming a conservation guide, detailing his work with Mongolia River Outfitters and his 60-day expedition rowing to Lake Baikal for his book. The conversation highlights the importance of catch-and-release fishing, the impact of climate change on the region, and the conservation challenges faced by unique species like the taimen. Listeners are encouraged to appreciate the value of low-impact tourism and the significant role of local communities in conservation efforts. You can learn more about Peter Fong HERE You can learn more about Mongolia River Outfitters HERE 00:00 Introduction to the Creatures Podcast 00:31 Meet Peter Fong: A Journey to Mongolia 01:19 Peter's Unconventional Path to Conservation 03:31 Discovering Mongolia and the Taimen 06:02 Challenges and Conservation Efforts 08:34 The Importance of Catch and Release 13:02 DNA Analysis and Research Insights 19:08 Rowing to Baikal: An Epic Journey 26:17 Cultural Reflections and Encouragement to Explore 28:39 Dismantling the Campsite 29:06 Living in Traditional Gers 31:10 Facing Harsh Weather Conditions 33:05 Navigating the Mongolian Wilderness 37:32 Collecting Scientific Data 39:27 Conservation Efforts in Mongolia 43:18 Planning an Expedition 45:57 Personal Growth Through Exploration 52:06 Final Thoughts and Contact Information ------------------------------------------------------------- This episode is sponsored by/brought to you by BetterHelp. Give online therapy a try at betterhelp.com/CREATURES and get on your way to being your best self. Another thank you to all our Patreon supporters. You too can join for one cup of "good" coffee a month. With your pledge you can support your favorite podcast on Patreon and give back to conservation. With the funds we receive each month, we are have been sending money to conservation organizations monthly. We now send a check to every organization we cover, as we feel they all are deserving of our support. Thank you so much for your support and for supporting animal conservation.  Please considering supporting us at Patreon HERE. We also want to thank you to all our listeners. We are giving back to every conservation organization we cover and you make that possible. We are committed to donating large portions of our revenue (at minimum 25%) to every organization we cover each week. Thank you for helping us to grow, and for helping to conserve our wildlife. Please contact us at advertising@airwavemedia.com if you would like to advertise on our podcast You can also visit our website HERE.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you ready to discover the hidden gems of Fantasy Premier League (FPL) that can take your team to the next level? In this video, Nima is joined by special guests Jarrod (https://x.com/FantasyPavilion) and Kieran (https://x.com/FPL_Discomfort) as they dive deep into the untouched FPL assets you absolutely NEED to buy. Together, we discuss super differential picks that nobody is talking about, ensuring you gain an edge over your competition. From under-the-radar players to strategic insights, this video is packed with valuable information to help you dominate your league. Like, subscribe, and hit the notification bell for more FPL insights and strategies. Let's get those points rolling in! Episode 184 (formerly Net That Haul FPL for 4 seasons) ━━━━━━━━━━━━━ Timestamps 0:00:00 Intro 0:00:01 Nima, Jarrod (Fantasy Pavillion) & Kieran (Double Pivot Pod) Starts 0:00:45 Jarrod intro on channel 0:01:45 Kieran's return on the channel 0:02:30 New Rules Thoughts 0:04:55 Questions for Jarrod about her play style? 0:07:47 Questions for Kieran about her play style? 0:10:05 Shout out live viewer comments 0:12:10 Main Differentials Chat 0:26:00 Jarrod Draft Differential Draft 0:36:10 Kieran Draft GW1 0:44:30 Thank You Haulers (YouTube Members & Patrons) 0:46:45 Q&A of all X, Discord & Live Questions ━━━━━━━━━━━━━

"Kept and Untouched" Charlie Woodward, 7.21.2024 by

I haven't had BigBankz on the podcast since the end of 2021 and we thought it might be nice to catch up, see what he's explored recently, what's been up in his personal life, and what he's looking forward to for the rest of 2024. Enjoy this urban exploration podcast episode and subscribe for weekly episodes! Follow BigBankz: http://instagram.com/bigxbankz https://www.youtube.com/@BigBankz - Want to be a guest on the podcast? Email me at contact@notracers.com - Follow me on socials: http://instagram.com/no.tracers http://youtube.com/notracersurbex Everything else: http://beacons.ai/notracers - Read my urbex blog: http://notracers.com Pick up my book: http://notracers.com/shop Subscribe on Apple Podcasts or Spotify to get weekly episodes! Listen on Apple: https://podcasts.apple.com/us/podcast/no-tracers/id1506787312 Listen on Spotify: https://open.spotify.com/show/1sQQpMwDWBGAFpzblFLAZ6?si=U9BgECp2SIaANatzpcZ6UQ Listen on Anchor: https://anchor.fm/notracers - URBEX GEAR RECOMMENDATIONS - My face masks: https://amzn.to/340Jvu5 https://amzn.to/2zN0wwR Light: https://amzn.to/2SpL8x5 Bag: https://amzn.to/2StqpIu Tactical Gloves: https://amzn.to/2SreZFi DSLR Camera: https://amzn.to/2YwbVLI Gopro: https://amzn.to/3aSFKZK Chesty: https://amzn.to/2VT5Hny Smoke Bombs: https://smokeeffect.com/ Hiking Boots: https://amzn.to/2VSogIG My 2019 KIT for Filmmaking, Photography & Vlogs: Handheld Stabilized camera: https://amzn.to/2KVBQ8M Main Vlog Camera: https://amzn.to/33YttjX Wide Angle Lens: https://amzn.to/2HmJ4QM Pretty art lens: https://amzn.to/2HGxwZ1 3 legged tripod: https://amzn.to/322EGhK Portable Solar Charger: https://amzn.to/348KfNE Storage: https://amzn.to/2ZmaCA9 Rode video mic: https://amzn.to/2zl2zon Skullcandy Headphones: https://amzn.to/2ZtmGLG My audio recording setup: https://amzn.to/2zoiEJX --- Support this podcast: https://podcasters.spotify.com/pod/show/notracers/support

The Metal Forge has no law when it comes to bands. I have stated many times before, to me, it can be heavy even without distorted guitars. This episode features Mark Deeks from Arð, pronounced "Arth" he is a doctor of metal and he is prescribing his new album "Untouched by Fire" join in as we talk about the tale of King Edwin of Northumbria and how it changed the modern world today. Please keep in mind that if you rate and review the show the algorithm seems to like that, and if you like the show, please share and recommend it to anyone else in your circle who likes metal. Much love and respect. MRJ. Arð: Bandcamp: https://ardnorthumbria.bandcamp.com/ Metal Archives: https://www.metal-archives.com/bands/Ar%C3%B0/3540497444 Stay tuned in the show for some ads from all of our sponsors, links are listed below. The more you help them out, the more it helps Flamekeeper out! Links to our Sponsors & Partners: Ageless Art Tattoo & Piercing - Clarksville/New Albany: http://www.agelessartclarksville.com http://www.agelessartna.com Electric Ladyland: http://Electricladyland420.com Pizza DoNisi/MAG BAR: https://pizzadonisi.com/ http://magbaroldlouisville.com Shadebeast: http://shadebeast.com and use PROMO CODE: "SITHLORD" at check out for a 10% Discount! Creeping Death Designs: http://www.creepingdeathdesigns.com and use PROMO CODE: "METALFORGE10" at check out for a 10% Discount! Record Labels: Unchained Tapes: http://www.unchainedtapes.bigcartel.com and use PROMO CODE: "METALFORGE10" at check out for a 10% Discount! Mercenary Press: http://www.mercenarypress.bigcartel.com and use PROMO CODE: "METALFORGE" at check out for a 10% Discount! Coming soon: fkr! Other shows you can listen to: Night Demon Heavy Metal Podcast: http://www.nightdemon.net https://open.spotify.com/show/2ozLCAGQ4LdqJwMmeBYJ7k?si=OvvfZsNYRPqywwb86SzrVA Zines: Soulgrinder Zine: http://www.facebook.com/soulgrinder.zine OFFICAL LINKS OF THE METAL FORGE®/FLAMEKEEPER http://www.metalforgeradio.com https://www.flamekeeper.vip FB/IG/TW/TikTok/YouTube - @metalforgeradio Flamekeeper Podcast Network: http://www.youtube.com@flamekeeperpn The Metal Forge The Alehorn The Mudhorn Ossont & Battery Metal on a Budget UNSLEEVED Jason Gardner's Heavy Metal Wasteland: https://www.facebook.com/FlamekeeperPodcasts The Metal Forge® Playlist on Spotify: 2020 https://open.spotify.com/playlist/1yvwNW58ctDIpRzqdUqs6y?si=efcfdf26507b40d5 2021 https://open.spotify.com/playlist/4NamyLbKQ4NRdqFhLo1jGU?si=0798122add234932 2022 https://open.spotify.com/playlist/3ZWFkf5RV8tDLCbobWmr1h?si=b23a47ce870f4fd8 2023 https://open.spotify.com/playlist/1Jf0nkVFUMbNmhfpxLWb7w?si=3ef101d3a4fb48e3 2024 https://open.spotify.com/playlist/02lPZ2EBiX7IQ05hmH237f?si=d3108244290b4f2c The Metal Forge Compilation Vol. 1: https://officialoverload.bandcamp.com/album/the-metal-forge-volume-1 The Metal Forge T-Shirt: https://officialoverload.bandcamp.com/merch/the-metal-forge-official-shirt All Rights Reserved. Any unauthorized reproduction/duplication is expressly forbidden without prior written consent and is punishable by law. Metal Forge Intro I copyright 2020 The Metal Forge® Published by UNTIL I GET IT RIGHT MUSIC/ASCAP. Metal Forge Intro II copyright 2023 The Metal Forge® Published by UNTIL I GET IT RIGHT MUSIC/ASCAP. The Metal Forge®, please contact metalforgeradio@gmail.com for any and all other info. All other music is owned by writers/publishers respectively and is used with permission for means of promotion. ©2019-2024 The Metal Forge® --- Support this podcast: https://podcasters.spotify.com/pod/show/metalforgeradio/support

Adam and Wack talks about Snoopy, Bun B, Dejon, Charleston White, Metro Boomin, Compa and more! ----- 0:00 Intro 0:00 Wack says Adam set up Luce Cannon on the No Jumper show; Wack tells Adam Crip Mac got caught with a sw*tch 5:00 Adam says Bricc Baby was not being serious when he said he had “more sk*lls than you have squabbles” 6:50 Wack talks about 600's paperwork w**d case in 2015. Wack believes 600 is not telling 9:45 Wack and Adam discuss Bun B's court case about a home invasion, Bun B taking the stand. Wack says Bun B chose his wife and family over the streets. 15:00 Wack says Bun B will not be affected negatively in his businesses and reputation 22:30 Adam says he would testify if someone pulled a gun on his wife. Wack says Bun B spared the kid because he was in high school at the time. Wack says he wouldn't say the same about Luce Cannon because he's still in the streets. 26:00 The Snoopy Badazz interview, Snoopy getting offended at Wack telling to drop Piru. Wack says he got scolded for doing the Snoopy interview 36:45 Adam asks Wack about signing a white rapper named Nicky D 41:30 Adam asks Wack about Dejon on Figgmunity and asks if AD and the others were snitching. Wack says Figgmunity knows that Dejon did not get sh*t and wanted to have him on for views. 47:45 Adam and Wack said that Dejon has ruined his chances in getting a job in the music industry 53:35 Adam asks Wack how it was hooking up with Damnhomie. Wack says he's never had __ with a white woman. Wack talks about Kanye's assistant suing him. 59:00 Adam asks Wack about Charleston White coming to LA, says he was hiding the entire time. Wack says he's a troll, and it would have been different if he announced where he was going. 1:03:15 Wack talks about Flakko saying he set someone up, and it's time to do content with Flakko. 1:06:10 Metro Boomin's sister calls him out because he said something about Drake, but not Soulja Boy for dissing their dead mom 1:13:30 Wack says that his homies went to Compa Raider's house and stole his friend's watch. Says Compa isn't really like that. Adam calls Compa but he doesn't answer. Wack shows Adam the video of someone ___ Compa's friends. 1:20:47 Adam and Wack respond to Antonio Brown calling Chrisean Rock a B 1:23:45 Wack talks about Jason Lee being angry at Shannon Sharp for releasing an interview with Ray J before his. Adam says Shannon Sharp and Jason Lee are different types of interviews. 1:26:50 Wack asks how the Luce Cannon interview was, and says he connected him and Reggie Wright. Adam shows Wack what a Feeble Grind is. ----- Get the latest news & videos http://nojumper.com CHECK OUT OUR ONLINE STORE!!! https://shop.nojumper.com/ NO JUMPER PATREON   / nojumper   CHECK OUT OUR NEW SPOTIFY PLAYLIST https://open.spotify.com/playlist/5te... Follow us on SNAPCHAT   / 4874336901   Follow us on SPOTIFY: https://open.spotify.com/show/4z4yCTj... iTunes: https://itunes.apple.com/us/podcast/n... Follow us on Social Media:   / 4874336901     / nojumper     / nojumper     / nojumper     / nojumper   JOIN THE DISCORD:   / discord   Follow Adam22:   / adam22     / adam22     / adam22   adam22bro on Snapchat Learn more about your ad choices. Visit megaphone.fm/adchoices

Leaving your beloved companion home while you're at work or travelling is hard enough; finding a trustworthy pet sitter shouldn't be. Faced with hectic schedules and long commutes—or even a pet who's dealing with separation anxiety—more people are hiring professional sitters to ensure their animals' health and happiness. But there's a lot to consider when choosing a sitter. Not only are they caring for valued family members, they're coming into your home. They should be trustworthy, professional, knowledgeable and able to handle emergencies. And your pet should feel comfortable around them. Here are some tips to help find that perfect sitter! Start online The internet (including neighborhood and community websites) is a great place to start. Professional pet-sitting associations such as the National Association of Professional Pet Sitters and Pet Sitters International list members on their websites. Reading online reviews and even checking out candidates' Facebook pages can help narrow down your search. Seek firsthand recommendations Check the bulletin boards at local stores or your veterinarian's office for ads, then reach out to potential sitters for their references. You can also ask friends, relatives and neighbors for referrals. Or connect with your veterinarian and local humane societies, which may have employees who are part-time pet sitters. Just keep in mind that people with full-time jobs may not have the availability you need. Prepare for the interview Take some time to think through what you want to ask candidates before interviewing them via phone or video chat. Don't be afraid to have a long conversation; you can get a good sense of someone's personality and character that way. Here are some topics to consider: THE BASICS Find out how long they've been in business, what their level of experience is with your pets' species and what their backup plan is if something prevents them from coming to your house. FEES There's no point in moving forward if you can't afford their services. At the same time, don't just go with the cheapest rate; you want a qualified professional. SERVICES Ask what specific services they offer—are they comfortable administering medications? Do they have special training or certifications? Are they bonded and insured (which could protect you in certain situations, such as if your dog bites another person while on a walk with the sitter)? It can also be helpful to pose one or two emergency scenarios to see how candidates respond: What would they do if the air conditioning breaks on a hot day or your pet starts vomiting? Get ready for the meet-and-greet Before you book a pet-sitting date, you and your pets should meet the candidate. This will allow you to get to know the person better, flesh out special instructions and observe how they interact with your animal. You may even want to ask a candidate to do a trial walk to see how they handle your dog. Don't forget to ask for credentials such as references and copies of their bonding and license. You might also want to get a criminal background check. Accept that it might not work out The best screening in the world may not prevent you from hiring the wrong person. But you can take some simple steps to help determine whether the person is doing their job. For example: Ask your sitter to leave notes about each visit or share photos with you via text or email. If you have a doorbell camera, check whether your sitter comes at the agreed-upon times. Get a GPS for your dog's collar to ensure they're being walked every day. Still not sure whether your sitter is up to snuff? Here are some potential red flags to look for: Pee puddles, feces or vomit in the house. Untouched treats or toys you've left for the sitter to give to your pet during a visit. Failure to provide detailed reports of your pet's behavior. While it's good to be cautious when starting with someone new, keep in mind that most people who choose pet-sitting as a career are animal lovers. Over time, a sitter can become a trusted friend to you and your pet! For more information please contact Cat's Canines at catscaninesne@gmail.com / 402-326-4595.  

War hero, Medal of Honor recipient, and subject of an Oscar-winning film, Sgt. Alvin York was the most famous soldier of his generation. But behind the honors and publicity was an uncompromising Christian patriot who suffered when his ideals were challenged by shifting views of faith, patriotism, and moral relativism. Untouched by German gunfire, York faced destruction from disease, disrespect, and the IRS. Join us to hear the whole story of this great American figure.See omnystudio.com/listener for privacy information.

The Pretty Little Liars Summer School recap episodes are officially HALF WAY with this, one of the most in-depth pieces of investigative journalism about the horrible happenings in Millwood you'll ever find!!! Ashley and Hayley dive DEEP into potential mid-season motives of everyone they're suspicious of, pink vs stink, and of course the DEVILS DOUBTS - all this while celebrating the combination Australian culture and queer culture, in the music moment of the entire show (cue strings at the start of Untouched).

This is Planet Hope, a podcast from The Times in partnership with Rolex and its Perpetual Planet Initiative, hosted by The Story as a bonus weekly series each Sunday.In Côte d'Ivoire, the Tanoé-Ehy Forest stands as one of West Africa's last untouched rainforests, a refuge for unique flora and fauna. Despite boasting West Africa's highest biodiversity, aggressive human activities have spared only 2% of the country's forests. Environment Editor for The Times, Adam Vaughan is joined by Primate Conservation Biologist Inza Koné, a 2023 Rolex Awards for Enterprise Laureate, as he strives to restore the balance between nature's resilience and humanity's unchecked greed, offering hope to the endangered wildlife and surrounding communities that thrive in the Tanoé-Ehy Forest.This podcast is advertiser funded. Hosted on Acast. See acast.com/privacy for more information.

This week on The Literary Life, our hosts talk about their favorite poems and poets. Cindy starts off by sharing the early influences on her developing a love of poetry. Thomas also shares about his mother reading poetry to him as a child and the poetry that made an impression on him as a child. Angelina talks about coming to poetry later in life and how she finally came to love it through learning about the metaphysical poets. Cindy and Thomas talk about the powerful effect of reading and reciting poetry in meter. Thomas also brings up the potential of hymn texts as beautiful, high-ranking poetry. From classic to modern, they share many poems and passages from their most beloved poetry, making this a soothing, lyrical episode. If you want to learn more, check out Thomas' webinar How to Love Poetry. We hope you will join us for the sixth annual Literary Life Online Conference, “Dispelling the Myth of Modernity: A Recovery of the Medieval Imagination.” You can visit the HHL Facebook page or Instagram to find the post to share and enter our giveaway for a $20 discount code! During the live or later series of webinars, we will seek to dis-spell the Myth of Modernity and gain eyes to see and ears to hear Reality as it truly is. Speakers include Jason Baxter, Jenn Rogers, and Kelly Cumbee, in addition to Angelina and Thomas. Commonplace Quotes: The knowledge-as-information vision is actually defective and damaging. It distorts reality and humanness, and it gets in the way of good knowing. Esther Lightcap Meek Perhaps it would be a good idea for public statues to be made with disposable heads that can be changed with popular fashion. But even better would surely be to make statues without any heads at all, representing simply the “idea” of a good politician. Auberon Waugh When you can assume that your audience holds the same beliefs you do, you can relax a little and use more normal means of talking to it; when you have to assume that it does not, then you have to make your vision apparent by shock–to the hard of hearing you shout, and for the almost blind you use large and startling figures. Flannery O'Connor Reading in War Time by Edwin Muir Boswell by my bed, Tolstoy on my table; Thought the world has bled For four and a half years, And wives' and mothers' tears Collected would be able To water a little field Untouched by anger and blood, A penitential yield Somewhere in the world; Though in each latitude Armies like forest fall, The iniquitous and the good Head over heels hurled, And confusion over all: Boswell's turbulent friend And his deafening verbal strife, Ivan Ilych's death Tell me more about life, The meaning and the end Of our familiar breath, Both being personal, Than all the carnage can, Retrieve the shape of man, Lost and anonymous, Tell me wherever I look That not one soul can die Of this or any clan Who is not one of us And has a personal tie Perhaps to someone now Searching an ancient book, Folk-tale or country song In many and many a tongue, To find the original face, The individual soul, The eye, the lip, the brow For ever gone from their place, And gather an image whole. Book List: A Little Manual for Knowing by Esther Lightcap Meek The Taming of the Shrew by William Shakespeare Songs of Innocence and of Experience by William Blake The Book of Virtues by William Bennett Cautionary Tales for Children by Hilaire Belloc When We Were Very Young by A. A. Milne Now We are Six by A. A. Milne Emma by Jane Austen Oxford Book of English Verse ed. by Arthur Quiller-Couch Immortal Poems of the English Language ed. by Oscar Williams Motherland by Sally Thomas Support The Literary Life: Become a patron of The Literary Life podcast as part of the “Friends and Fellows Community” on Patreon, and get some amazing bonus content! Thanks for your support! Connect with Us: You can find Angelina and Thomas at HouseofHumaneLetters.com, on Instagram @angelinastanford, and on Facebook at www.facebook.com/ANGStanford/ Find Cindy at morningtimeformoms.com, on Instagram @cindyordoamoris and on Facebook at www.facebook.com/CindyRollinsWriter. Check out Cindy's own Patreon page also! Follow The Literary Life on Instagram, and jump into our private Facebook group, The Literary Life Discussion Group, and let's get the book talk going! http://bit.ly/literarylifeFB

When planned abdominal surgery morphs into an unforced error, and the public goes berserk. Sit back, chill out, and enjoy our unsolicited analysis.

Summary   Ron Gura, the co-founder and CEO of Empathy joins us today on our show. Empathy aims to provide support and guidance to individuals who have lost a loved one, helping them navigate the administrative and emotional aspects of the process. He shares his personal journey and the inspiration behind starting Empathy. The conversation delves into the workflow and touchpoints of Empathy's services, the co-branded experience for carriers and producers, and the impact of Empathy's services on claimants. The episode concludes with a discussion on breaking the taboo around death and the value of experience over product in the insurance industry.   Takeaways   Empathy is a company that provides support and guidance to individuals who have lost a loved one, helping them navigate the administrative and emotional aspects of the process. The taboo around death and loss needs to be broken, and conversations about mortality and end-of-life planning should be encouraged. Empathy offers a co-branded experience for carriers and producers, allowing them to provide personalized support and resources to their policyholders and beneficiaries. Having conversations about death and end-of-life planning is essential, and individuals should take the time to discuss their wishes and make necessary arrangements with their loved ones. Experience and support are more important than the product itself in the insurance industry, and companies should focus on delivering a positive customer experience throughout the claims process.   Chapters   00:00 Introduction and Weather Update 01:03 The Importance of Life Insurance Claims 02:07 Introduction of Guest: Ron Gura, Co-founder and CEO at Empathy 03:06 The Taboo Topic of Death and Empathy's Mission 04:12 Ron Gura's Background and Journey to Empathy 06:26 The Impact of Personal Loss on Ron Gura's Mission 08:25 The Need for Conversations About Loss and Death 10:04 The Workflow and Touchpoints of Empathy's Services 11:25 The Co-branded Experience for Carriers and Agents 13:26 The Administrative Support Provided by Empathy 15:44 The Impact of Empathy's Services on Claimants 17:44 The Logistics and Timing of Introducing Further Business Relationships 19:02 The Importance of Breaking the Taboo Around Death 23:20 The Value of Experience Over Product in the Insurance Industry 31:10 The Right Time and Approach to Introduce Further Business Relationships 35:12 Closing Thoughts and Advice on Having Conversations About Death 38:33 Conclusion and Call to Action     Paul Tyler (00:03.303) Hi, this is Paul Tyler and welcome to another episode of That Annuity Show. Bruno, how are you? Good. Coming in clear from Canada. This is great today. Yeah. Tisa, how are you?   Bruno Caron (00:09.152) I'm very good, thank you Paul.   Bruno Caron (00:13.94) Always happy to be here.   Tisa Rabun-Marshall (00:18.474) We've got snow here in the Connecticut area, but snow day, but doing good.   Paul Tyler (00:22.459) Indeed, indeed we do. Ramsey, it's the first time it snowed in forever. You missed it.   Ramsey Smith (00:27.473) Yeah, I think we sent it your way. It was raining like crazy here for a couple days, but now the sun's just coming out, so yeah, you're welcome.   Paul Tyler (00:34.003) All right, well good. Hey listen, we got a really interesting episode with a great guest today, just to sort of connect the dots with some of our previous shows. What's the most important thing about life insurance? It's gotta be claims, right? That's at the end of the day, what we're doing is paying checks or income payments or death claims and there's no more sort of fundamental purpose in our business, yet it's a hard one to, it's hard to do right.   You know, TISA, we've had a couple of conversations, right, with people who've explained how it can be disruptive in terms of cross-generational relationships, right? Yeah, so today we have somebody who's actually trying to fix that. It's Ron Gura. Ron, I hope I pronounced your name correctly, co-founder and CEO at Empathy. Thank you so much for joining us today.   Tisa Rabun-Marshall (01:11.073) Absolutely. Yeah.   Ron Gura (01:26.154) great to be here. I always dreamed about being on a podcast with the word nudity and now I'm... look at my eye. I made it.   Tisa Rabun-Marshall (01:34.967) Hahaha   Ramsey Smith (01:35.961) Oh dude, all right.   Bruno Caron (01:36.) Today's your day.   Paul Tyler (01:37.441) Today it is, you know. SEO is going to go through the rough. SEO will go through the rough here.   Tisa Rabun-Marshall (01:40.098) Dreams come true.   Ron Gura (01:43.682) Absolutely. I'm excited to be here and eventually talk about just that, that big moment of truth. That's what a claim really is, right? It's a premise. It's more than just financial peace of mind. What else happens? So that's where we come in and excited to talk about that and what's happening in life insurance.   Paul Tyler (01:52.697) Yeah.   Paul Tyler (02:07.375) Yeah, well this is great. So, well first off, tell people like, you know, what is empathy and what does your company do?   Ron Gura (02:14.102) Sure thing. So empathy is primarily the friend you wish you had when you lose a loved one. That's how I'd love people to really think about it. It's not just a friend, it's that knowledgeable neighbor that happens to be an ex-state lawyer, but now maybe also a social worker. And it's really, really experienced with...   winding down the affairs of a loved one, but also helping you get back on your feet again. That's really what we're trying to do here, save people, families, time and money and stress when the inevitable happens. As you know, Paul better than most, it happens. It doesn't escape any of us. It's the inescapable truth, but at the same time, it's the single largest consumer sector that is, for some reason, untouched. Untouched by innovation.   untouched by technology, unspoiled by software really. And I think we can all agree the reason it's untouched is not some regulatory barrier or technology barrier. It's just us, us here on the call as humans, trying really hard, so hard, not to think about us, not to contemplate our own self-mortality.   And we believe here at Empathy that like any other taboo topic, this one should be broken down as well. And if we put the right technology in place with the right amount of human touch, we can really change the market and empower people during what we believe is life's most challenging moments.   Ramsey Smith (03:55.041) So tell us a little bit about your journey. You've touched a lot of different areas, the innovation space, various startups. Tell us about how that journey informs your approach to empathy.   Ron Gura (04:12.642) So yeah, I'm a consumer internet person. I'm not a life insurance expert. I play my ignorance for what it's worth and get to be the outsider in a lot of meetings asking funky questions like, hey, didn't that claimant beneficiary who just called you, he's not a good lead. Like, isn't that an adult child, stranger, who's not your customer?   calling you, giving you all of his information, all of his data, chasing you again, giving you more data, telling you he's at need, need money, money you know you have, money you know he's gonna get in a few weeks, big liquidity event, bigger than probably any other big event he's gonna have.   And what are you going to do? Like you're going to do what? You're going to send him the check and do more Superbowl ads? The guy's right here. So a glass of wine as you wait for your table is really how I look at this from an outsider view. Like, what's going on? Isn't this weird that the only industry within insurance   where the beneficiary is not the policyholder, technically, is not, people don't think about it. Of course, if a PNC claim, that's a renewal moment. Like someone's gonna give you really good service. And don't get me wrong, paying effectively and accurately and with sympathies is good service. And a lot of carriers, I think have their...   They wear their heart on their sleeves and they're trying to do good in this neutral negative event. But long story short, it's not enough. From a background standpoint, that's me. I'm a consumer intent person. I've been going in and out from startups that usually I get to start myself as a naive person. I get to wear my pink rose glasses all the time.   Ron Gura (06:26.278) And in and out from bigger companies, I had the chance to have meaningful executive roles at eBay and PayPal and WeWork, and always very much focused on the product and the consumer. In terms of what led me to this, I think, well, nobody starts an end-of-life company without having their fair share of loss. I had my fair share of loss, definitely. I can share with you that...   while probably not the final trigger, definitely the earliest one was losing my brother at an early age, Amir, that completely changed family dynamics. My single mom with three opinionated, well, playful boys, over energetic Israeli boys, who...   Ron Gura (07:28.274) grew up in Haifa, north of Israel. And my brother, Amir, my middle brother, was diagnosed with a very severe and aggressive type of cancer. And after he passed away, I vividly remember one Saturday morning, my mom literally taking a lock, key and locking his door, which remained locked for the next 15 years.   and was a very vivid and clear representation and reminder of what happened. And also how we're shutting it down, not to be talked about in many ways. With no complaints on my mom's side here, but... It's the first time I understood nobody wants to talk about loss. Well, kids usually get up from watching Lion King for the first time.   Bruno Caron (08:25.584) Thanks for watching!   Ramsey Smith (08:26.587) Mm-hmm.   Ron Gura (08:26.947) and kind of losing their faith in humanity, lions and uncles at the same time. But they have a lot of questions. Kids, I got two daughters myself now, Tom and Danny, and nine and six years old. They ask a lot of questions and sometimes after Disney movies, they do ask me questions about mortality and life and death and they kind of move on. But I didn't.   I made my mom's life very difficult. I've been asking questions again and again and again. And then I had more loss, friends, colleagues, natural loss, even friends from the army. But it was actually only after eBay acquired my first startup, the GIFS project, and I was a young product director at eBay, one of my employees lost his wife to cancer.   and I showed up in an apartment in Milpitas, San Jose.   Knowing that I don't know what to expect, knowing that it's going to be very different than my community, my religion, my experience, but didn't know how different. He was by himself with a suit, shaved, doing probate paperwork, asking me about when do I need him back. That was really a big aha moment for me. That was when I took my black notebook and said, oh.   That's weird. Like, why don't we have anything for this? Like we need headspace for grief, but we really need toolable tax for a state settlement. And we kind of need both. And we kind of can't decouple the two. Grief is made hard by logistics. Logistics are made harder by grief. And I don't get the luxury of choosing one of them and say, I'll do a FinTech product that is only pre-filling your probate stuff. That's...   Ron Gura (10:33.142) It's not going to be something people want to talk about or use such an emotional period. So long story short, three and a half years ago, my co-founder and I, Jan, we started Empathy. We're now 80 people between New York headquarters and Tel Aviv R&D Center. We have $48 million in venture capital from 2.1 folks like General Catalyst, Alif, Entree, and others.   We work with MetLife, New York Life, Guardian, many other, dozens of other carriers, dozens of big employers, progressive employers who want to show up for their teams. And what I think we're doing more than anything else is putting a spotlight on this taboo topic and creating hopefully a very empowering workflow of continuity of care.   Paul Tyler (11:25.115) Maybe talk to us a little bit about the workflow. You know, we have people who listen who are, some people on the group side, we've got some people on the individual side, of course, we always look at it from our own lens, right? At the end of the day, it's a person. Stuff for the loss is getting checked. Maybe talk about the customers on either end. Like if I'm a, you know, I've got an employee and I've had a policy, or I guess my loved one was an employee and I've got a policy check or I'm a beneficiary. How does that workflow?   Ron Gura (11:36.75) Mm-hmm.   Paul Tyler (11:54.515) feel to a person who's a beneficiary.   Ron Gura (11:58.478) So the tiny differences. The differences would mostly be on the touch points. We do a no-code, simple implementation. We learned the hard way that the one thing that is more expensive to carriers than money is IT resources. I think that's a big lesson for us. And since we got that, we shifted to a no-code implementation and added more than 14 carriers in 14 months.   And that was a big aha moment for us and what drove a lot of our Forex growth in 2023. We add a few multifaceted simple touch points. For example, the script on that call, sorry for a loss, but we're not going anywhere. That insert on the brochure on the snail mail with the QR code, hey, if you need anything at all, scan this.   Email that says, number one, we got your claim. Number two, you're eligible for 24-7, bereavement care. So these simple touch points didn't require any data transfer. We don't need to know the social security. We don't need to know the face value. We don't want to know if Ms. Jones was rich or poor. We want to democratize access for grief in the state administration. So when you think about group and individual, it's just those touch points that are slightly different.   the bereaved next of kin, who cares? Like they're dealing with so much, who cares if they got the policy from, you know, New York Life GBS or New York Life individual. It's group or individual, you still have probate, funeral, grief, sleep support, mood tracking, social security, IRA, deactivation of social media, deactivation of accounts, banks.   selling the property, fighting with your sister, doing a state tax, thinking about identity theft, and you know, just 50 other topics from veteran administration all the way to IRAs. So when someone passes away, it's overwhelming. We publish every January the cost of dying report to create more awareness.   Ron Gura (14:23.026) on the full implications on us as individuals and as a society for the employer cost, the financial cost, the emotional cost. You can see that on empathy.com. And it's 50 pages of infographics that are basically showing us it's more than a year of work to wind down the affairs of a loved one on average. It's more than 400 hours of direct work. Of course, from a group standpoint.   Of course your employee has a second job, he can't bring his whole self back to work. Of course from an individualized standpoint, that glass of wine as you wait for your table makes a lot of sense when you are thinking about generational loyalty and asset retention and NPS because what other moment of truth do you have that is bigger than someone calling in and saying, I lost a loved one?   Where is my money? Of course, of course you need to have the money ready. That's the 90%. I, life insurance is still about financial protection, but people expect much more and we hope they will. I hope they will continue to expect much more. Right now, one out of seven claimants in the U S is getting more from empathy.   Ramsey Smith (15:44.821) So is it, is the solution, I don't want to call it a product, because that doesn't give it the right name, but the experience, let's call it the experience. Is it branded according to the carriers? Is it branded as empathy? So is it white label or is it, are the carriers able to carry their own brand?   Ron Gura (16:05.462) So it's both. It's a co-branded experience. Just give you a quick example if you're already on video. So I'm going to pop my Empathy app. And one of our carriers is going to pop as a covered by. And then inside the experience, you're going to have both the digital app. You're going to have your care team service element 24-7, especially social workers and more that are available for discussion.   Ramsey Smith (16:21.344) Yep.   Ron Gura (16:35.106) You're going to have other places where you understand this is coming from this carrier specifically. And can even create a lead back to them at the right time in the least intrusive way possible. The exact opposite from an agent calling after the loss and say, hey, what about you? This is actually about first thing and first thing first, cementing.   trust in showing up. First let me save you some time in money and stress.   First, let me offer you a glass of wine. Then let's check what's going on with the table. First, make sure that you got what you need right now. If that's funeral comparison, if that's estate tax, if that's cleaning the property. Whatever advice or support you need, you got it. Then when you're ready to talk about your financial legacy, your family.   Of course, the same carrier that sent you to empathy would love to continue that conversation with you. And why not?   Ramsey Smith (17:44.737) So how much of the logistics? So there's the, obviously there's the, there's a psychological element of it, but of all the long list of logistical hurdles you have to go through that you mentioned before, how many of those are you providing sort of specific intervention on to make those steps easier?   Ron Gura (18:03.638) I'd say it's half of what we do. We do the filing for petition for probate. We do the preparing for the house for vacancy. We close and deactivate accounts and cancel subscription. We give you a dedicated personal care plan that is personalized for you, Arizona or New Jersey, five siblings or none, Jewish or Muslim, executor or not.   We help with the eulogy, with the obituary, the funeral, the debts, the notifications of loss, the social security, the IRAs, the purchasing of a headstone all the way to the bonds, the credit bureaus. So it's a long list of tens of items in the administrative side, probably hundred something items that you need help with. Every one of them could be quickly five other items. So we don't just tell you what to do.   We actually do it for you and with you.   Ramsey Smith (19:01.417) Got it.   Paul Tyler (19:02.131) Tisa, could you have used this?   Tisa Rabun-Marshall (19:05.874) Yes, so I experienced a significant loss in August of 2021. As a middle-aged adult, it was my first major loss, so I'm grateful for that. But because it was my first major loss, it was a long process. So I think it took two and a half years. We just closed probate.   We just did. I don't know, what's this? This is February. Maybe it was right before Christmas. So as I'm listening to you speak, Ron, I'm thinking through all of it feels very real. I guess I have a couple of follow-up questions. One of my questions was, I heard you say bereavement care, I think is what you said. So I wanted to dig into a little bit of the services under that umbrella, but I think you probably just spoke about that a little bit.   I guess I'm curious looking at the mobile app that you showed that is claimant or beneficiary focused. What are the resources or what is the version of that app, if any, look like for the agent? What sort of support or guide or talk track are you giving to the agent so that they can handle that claim experience differently? Say the things differently, do the things differently to still cultivate the lead, but in...   you know, in that way that's not intrusive, to use your word, and in a way that sort of shifts their thinking about the opportunity in that moment of truth. You could talk a little bit.   Ron Gura (20:42.127) First thing, I'm sorry to hear about your loss and the process that you're going through and two and a half years in. It might feel like a lot of time to do the administration, but it's actually very normal on the executor side. Like when we're talking about 18 months average, it's...   Tisa Rabun-Marshall (20:57.687) Get coming.   Ron Gura (21:04.53) including a lot of folks that are not the official executor. Once you are and you're actually going through probate, two years plus is very regular in the US, unfortunately. And well, I do.   Tisa Rabun-Marshall (21:17.95) In particular, when everyone lives in different states where they grew up. Don't cross the state line because that adds, you know, months, years.   Ron Gura (21:26.294) that's also not very rare in the United States. And just even having one piece of property in Arizona and a motorcycle in New Jersey, that's it. You're going through a whole new fun process and we help refill that. So on your questions, first, bereavement care is really the emotional side of everything we do. So there's really just the two halves that I was mentioning before. And on the...   Tisa Rabun-Marshall (21:29.689) Yeah.   Ron Gura (21:55.826) emotional side, I would split it also into the product and the service. The product would be everything you would imagine a wellness app to do in 2024, but tailored for grief. So grief coaching.   grief meditation, grief music, audios, podcasts, videos, thousands of articles about any topic from as small as how do I tell the kids all the way to a specific probate petition in New York City. So that would be mood tracking and sleep support. And of course,   a lot of self-reflections and healing. At the same time, anything the app can do just yet, or if you need anything, 24-7 bereavement care with our care managers. That could be 2 a.m., can't fall asleep, or it could be middle of your workday when you ran out of a conference room to cry in the bathroom because you feel guilty. You call us, we take those calls.   Tisa Rabun-Marshall (22:54.623) Mm-hmm.   Paul Tyler (23:10.535) Wow. Well, you know, maybe...   Ron Gura (23:10.826) You can chat on the app, you can talk on the phone. We're always there. You're never alone when you have empathy.   Tisa Rabun-Marshall (23:11.478) Yeah, it's.   Tisa Rabun-Marshall (23:18.652) That's very comprehensive.   Paul Tyler (23:20.999) Yeah, it is. And, you know, just double clicking on something you said, you know, because we do have a lot of distributors and stuff on the line. You said, Oh, you kind of like insert the opportunity for an agent to actually help somebody through the financial process at the right time. I like to understand that a little more just to give you my backstory. I worked at MetLife when that was, you know, actually had a retail division, you know, it was, and we had a whole program called Delivering the Promise, which was delivering the death claim check.   You know, two observations there. One is any agent who actually gets to deliver a death claim check will be an agent for life. That is a transformative experience. I think a lot of agents are selling the product. You never actually get to see the product getting used. And those who are lucky enough to actually see this, it was a huge, a huge, a huge event in their life to deliver that and see, see the product actually works. Um, now to flip that side, it was also very.   competitive process because as you said, it's a massive event financially for somebody. A lot of big liquidity event, maybe one of the biggest ones they'll have in their lives. How do you do this appropriately? Now, we screened agents. This is not something you just sort of drew a number for. You had to get approved. You had to go through a coaching process. You had to learn how to do this. Talk to us about how and when do you digitally   start that conversation. You know, when, to T's point, is it month, you know, I think this is horrible, month 15 or is it month 16 or is it something that happened along the way that you've, that say, okay, now's the right time to do that.   Ron Gura (24:51.639) Mm-hmm.   Ron Gura (25:05.486) So first thing I can tell you that while Midlife did decouple from the retail business, they still deliver on the promise and they do it on the group side. I got to know the organization very closely and the way they show up for their national accounts and employers and support the next of kin of the employees is very, very unique, very efficient and I think very comprehensive.   And when that happens, it's really no different, like I said, between an individual and a group. You are still going through all of this, even if your loved one was a Nike employee or a Google employee, or never was a freelancer and never had a group life. It's still a loss of a loved one. From the agent perspective...   The shortest explanation I can give in probably a good summary of everything we do here is taking a transaction and shifting into our relationship. That's really what this is about. We have this massive multi-trillion dollar industry that is intermediated, that is lacking engagement. It's kind of, you know, you have such amazing retention.   relatively speaking to SaaS products, but you don't really have any meaningful engagement with the policyholder. And even on the agent side, let's take a classic agents of business, probably 200 years old, some big mutual in the US, and 10,000, 20,000 agents, whatever the number are gonna be, still 70% of the claimants are gonna be unassigned.   or how the industry likes to call them, but I don't, orphans, orphan claims. 70%, that's the number. We have a pretty good umbrella view on the entire industry of seven-digit volume of claims every year. Not even the largest carriers in the United States have seven digits in claim volume. I can tell you, even if you did the absolute best job as an agent...   Ron Gura (27:24.446) The chances of my dad's agent to still be in business practicing when my dad passed away, just not likely. High net worth individuals, of course, different mechanics here, different physics, people make different efforts for obvious reasons. And while we don't differentiate, the market does. And you'll see.   people spend more time about generation loyalty and getting to know the son or the daughter. However, at the end of the day, agents are about top line. Agents are about my next deal. And talking to the Barret family, showing compassion, it's a part of the job, but it's not my training. It's not something...   I'm uniquely positioned to do outside of the fact that I've seen it before. And my admin or myself are going to shift them to the claim center. Maybe have some extra layer of care like, Hey, how's it going? Do you need anything else? But it's there's a claim center. That's what's going to happen. What we do is we, when there's an agent involved on the 30%, we do everything around the agent. Agents are the heroes. So John Smith.   is sending empathy to Mrs. Jones.   and everything is coming from him. If it's automated or not, he decides, he can send something every month. Every time, hey, I see you're making some progress on the will, on the probate, do you need help with this? And provide just a series of emails that are coming branded from the agent. That's a big help for people.   Ron Gura (29:21.234) And I think the industry is aligned. And when there is an agent involved, you want to go for the agent. And we have a back office for them. To your question, Tis, this is what we do. I showed you a little bit of the consumer app, of course. But there is a whole different system for agents. They can add a phone number and one click.   Tisa Rabun-Marshall (29:34.151) Yeah.   Ron Gura (29:41.942) They get the whole experience co-branded agent front and center. There's even a letter from the agent waiting in there. So putting the agent's front and center is, is very important.   Tisa Rabun-Marshall (29:55.222) That's great. It helps them build that relationship you talked about.   Ramsey Smith (29:59.285) I mean, there's so many sort of interesting time-related issues to this sort of customer journey, right? So, Paul, you talked about delivering the promise. So the first time gap is between the point of sale and the claim, which things change, maybe the agent's not in the business anymore. All right, so then you have the claim, very important point of delivering the promise, right? But everything else that you're talking about, Ron,   around bereavement and settling the estate. And then at some point being ready for some further business relationship is essentially undefined, right? Ahead of time, you know, at T zero, it's undefined. And it could take months or weeks or years. And so that's a very interesting sort of part of the experience and how you manage it, how you figure out when it's time and when it's time, to whom do you send that?   Who ultimately gets that lead? Does it go back to the company? Does it go back to the same agent or that agent has gone to somebody else? Like how does, what is the path for the further business relationship down the road?   Ron Gura (31:10.358) So the last part is actually the easiest, right? Like the company defines if they want everyone to go to a central location, a phone, a digital form, easy to enhance and customize. It's within our three weeks implementation period. That's the easy part. But figuring out what and when to say to the beneficiary in order to put this in front of them, but not selling them.   Ramsey Smith (31:13.213) Yeah.   Ramsey Smith (31:18.963) Yeah.   Ramsey Smith (31:22.206) Mm-hmm.   Yeah.   Ron Gura (31:39.382) is really important. So I won't share exactly our unique data around when to surface what, but I will tell you that if someone is a few months in, it's not a secret that they're starting to think about the fact that, well, I'm next. There's a reason why 33% of the wheels that people buy   Ramsey Smith (31:41.249) It's very hard.   Ron Gura (32:08.626) are after the loss of a loved one, usually a parent. It's that clear generational movement that people comprehend. And we wanna surface that at the right time, in the right place. People are understanding the implications of not having those sensible conversations with their loved one just a few weeks and months ago.   They understand even if they had a will, even if they had insurance, they didn't have the iPhone password. They don't know what to do with the dog. They're not sure what's, you know, you prefer cremation or not. They didn't have these conversations. And now they're thinking, you know what? I want to have all this information in place for my kid. They also get big check and they have liquidity and they're well positioned to now.   make a big purchase like life insurance and a big commitment. And they kind of understand like that their best position to understand the value of this industry because they get that check. And just like Paul said, an agent that delivered a check, understand the value, a beneficiary that received the check, understand what life insurance is. Until then it's a financial tool.   Ramsey Smith (33:09.511) Yep.   Ron Gura (33:34.374) And for us, it's really important to surface that at the right time. People are reading. We have far more data points than an agent sitting at their office thinking, should I call me Jones today or tomorrow? It's been two months or three months.   Ron Gura (33:52.794) we see what's going on and what state of mind she is and what can really add value to Ms. Jones. We will never do anything that is not 100% aligned with the beneficiary's best interest. I think if we do that once, we don't have a justification in this end of life category. And every employee that on board here at Empathy, that's the first thing they read on their.   Onboarding, if we lose track of our mission to help families deal with loss, we're just as good as the next predatory funeral home chain. Just another person trying to sell people something. But if we first and foremost say, wait, is this saving time and money and stress? Is this a good offer? Is this a good brand? Is this what the beneficiary wants to hear right now? Is this going to find its empowering?   to get support on probate. They're going to find it empowering to get an agent, call them and say, hey, here are your options in terms of your proceeds. Or maybe it's not the right time for that, and they're right now dealing with something very different. We know that. We're best positioned to know that more than the carrier, the agent, or any advisor.   Paul Tyler (35:10.471) Bruno, what are your thoughts?   Bruno Caron (35:12.349) Well, I was wondering, I mean, do you have any advice or any kind of a low hanging fruits, easy things people can do to save, to save significant amount of time when those things happen?   Ron Gura (35:31.882) Well, estate planning as a whole is something that pretty much 70% of Americans don't do. I can't say that's a low-hanging fruit. The folks that say it is, I would not necessarily trust them.   People that say, oh, five minute and you're gone, easy, fast, affordable. Wills and trusts and guardianship documents should not be fast and affordable. They should be thoughtful. You should be thinking about your hierarchy of values. You should be opening a bottle of wine with your significant other and asking you some really tough questions about who's going to raise the kids. Uh, however, even without proper documentation, having the conversation is a lot, talking with your parents is a lot.   Sometimes they will start talking back if you bring this up, but people don't wanna talk about mortality. So the longing fruit is break the taboo. Nothing to be ashamed of. This is literally like sex education in the 50s. Like just the fact that we are running away from it doesn't mean it's not a thing and people don't wanna, and need the support and advice.   Paul Tyler (36:41.799) Break the taboo. I think we've got a title for our podcast here. Tisa, do you think that works?   Tisa Rabun-Marshall (36:46.134) Absolutely. That's a note to end on, or start to end on. Yeah, absolutely. I mean, I couldn't agree with you more. The loss I referenced a few minutes ago is exactly that. Thankfully, I had everything, my father had everything lined up, but it was the aha moment that like, ooh, I'm a parent. I probably need to do something, so if something, you know, so that the same experience could be for my child.   That is absolutely the reaction of getting your own affairs in order when you either probably witness a loved one not having their affairs in order and the impact it has to you or having them in order and the impact that has to you, you know how much harder it could have been without things in place. So I totally agree with you there. And I think it's just the conversation, setting the expectations, making those wishes known. They are hard conversations to have.   having to ask my 14 year old who you want to be with if mommy's not here. Who you know, I mean my heart's like pounding right now even saying that again. But it's necessary. And I think on the fight, it's kind of a similar like topics that are off limits, right? Like politics, religion, money.   Death. So, we shy away from having the conversations. They're uncomfortable sometimes and we have differing values. But I think to your point, like for your question of low hanging fruit and wrong, your answer of one of the easiest things, yet hardest things to do is to have a conversation and start to talk about things. So I appreciate that advice. I hope it resonates with our listeners.   Paul Tyler (38:06.175) Death.   Paul Tyler (38:29.148) Yeah, Ramsey.   Paul Tyler (38:33.482) Oh, sorry.   Ramsey Smith (38:37.717) Sorry, I was on mute. So I've long been of the view that if there were a simple mathematical formula for the opportunity set in the insurance space, it would be experience greater than product, just that. Like that is the direction that I think in all sectors of our industry, whether it's.   Ron Gura (38:50.263) Mm-hmm.   Ron Gura (38:57.526) Beautiful.   Ramsey Smith (38:58.301) with life, whether it's life, PNC, et cetera, that is where the greatest opportunity lies, both in terms of having happy customers for our existing businesses, but also to be able to extend our businesses into other areas. And Ron, you started out talking about just how you have this interesting situation in like in insurtech generally, what ends up being the problem that blows up a lot of new companies is that they...   their customer acquisition is too high, right? Then you have incumbents that have really deep relationships, even if they're not really worked on explicitly, but there's these really deep relationships of trust that exist. There's people that are under the tent and depend on you, and I think there's great opportunity to expand those relationships over time if done properly.   Paul Tyler (39:52.255) Yeah. Hey, Ron, listen, thanks so much for your time. I think what you're building is, it sounds like a wonderful service. I think, you know, I've been through it twice with both parents and I would have loved to have it as well. A little less recent than Tease's experience, but what's the best way for people to learn more about your company and, you know, for your carrier or, you know, distributing, you want to learn more about offering the product? What would they, where should they go?   Ron Gura (40:20.086) We'll keep it very simple. You go to empathy.com, you'll see our testimonials and case studies, our videos, our care team, our app, can reach out to us for a demo. And I think really join the movement of more and more carriers who are embracing a new standard when it comes to beneficiary care. And we're very excited.   about the momentum in the US, expanding beyond the US in 2024, and even beyond the life claims into additional adjacent categories that also include a moment of truth. And you'll be hearing more about that. But for now, empathy.com is really the simplest and easiest way to learn more about us.   Paul Tyler (41:09.119) Excellent. All right. Well, thanks so much. And I want to thank our listeners. Share this show. Recommend us to your friends. Give us feedback. And be sure to join us next week for another great episode of That Annuity Show. Thanks, everybody.

Jr. welcomes listeners to another exciting episode of West Virginia Uncommonplace. Introduces the topic: his personal journey with the Super Mario RPG game. Segment 1: A Gap in Gaming History: Jr. explains that despite being a Super Mario fan, there's one game that has escaped him: Super Mario RPG. The game's development and release year: 1996. Mentions the developers, Square, known for Final Fantasy, and the collaboration with Nintendo. Segment 2: A Changing Gaming Landscape: Reflects on the video game landscape of 1996, when he owned multiple gaming consoles. The rise of PlayStation and Sega Saturn and their impact on gaming preferences. The abundance of game releases, including Resident Evil, Tekken 2, and more. Segment 3: Super Mario 64 Dominance: Discusses the overwhelming popularity of Super Mario 64 at the time. The dispute between Square and Nintendo leading to the development of Final Fantasy VII for PlayStation. Other gaming distractions that kept Jr. from playing Super Mario RPG. Segment 4: The Price Tag and Priorities: Jr. highlights the high price of Super Mario RPG at its release. His decision to focus on other games due to the availability of other compelling titles. Segment 5: The Remake Revelation: Announces the upcoming remake of Super Mario RPG in June 2023. The sudden rekindling of interest in the game due to the remake's announcement. Segment 6: The RPG Distinction: Discusses the distinction of Super Mario RPG as the first RPG in the Mario series. Shares his thoughts on other RPG-like Mario games like the Paper Mario series. Segment 7: Niche of Nostalgia: Emphasizes the niche aspect of Super Mario RPG in his gaming history. Acknowledges the role of nostalgia in the anticipation of playing the game. Segment 8: Playing the Waiting Game: Jr. contemplates whether to play the original Super Mario RPG or wait for the remake. Considers seeking advice from the gaming community on whether to experience the original or the remake. Segment 9: Reflecting on the Past: Highlights the complexity of personal gaming histories and the games that went unplayed. Shares his personal feelings and thoughts regarding Super Mario RPG. Segment 10: The Exciting Gaming Landscape: Jr. looks forward to the upcoming remake and reflects on the evolving gaming landscape. The excitement of experiencing Super Mario RPG after all these years. Conclusion: Jr. concludes the episode by thanking listeners for joining him on this nostalgic gaming journey. Encourages listeners to subscribe and engage with West Virginia Uncommonplace on various platforms. Teases upcoming episodes and uncommon conversations. Outro: Jr. signs off as Jr. from West Virginia Uncommonplace. Encourages feedback, engagement, and interactions from the audience. Invites listeners to stay tuned for more unique and exciting content. Make sure you check out Nebula Capsule and its great projector offerings ⁠⁠https://nebula-us.pxf.io/c/3892135/999468/13098⁠⁠ Check out XGIMI Official Store US! They are offering a special deal so you'll get $30.00 off! ⁠https://invi.tt/y86O3GUJ?s=58112342⁠

Your retirement plan should not involve draining your retirement account. Instead, plan your dreamy retirement around living off of the interest from your awesome investments. Nicole explains how to make this happen while living your best life in retirement. Are you thinking: wait, how am I supposed to grow my retirement to $1.5 million?! Nicole breaks down how to get there in this episode: https://link.chtbl.com/hRuKpMsM $ Investors: Robinhood has the only IRA that gives you a 3% boost on every dollar you contribute when you subscribe to Robinhood Gold. Learn more at Robinhood.com/boost  $ Want the kiddos in your life to become money masters? Check out Greenlight, the best money app and debit card for families (and get one month free!): http://greenlight.com/moneyrehab $ Is mental health a resolution for 2024? Get 10% off your first month of therapy with BetterHelp at: http://betterhelp.com/moneyrehab  $ The secret to health and wealth is in your gut. Literally. Get 20% off a 90 day bottle of Just Thrive Probiotic and Just Calm. Try it at: justthrivehealth.com and use promo code: MONEYREHAB. $ Want one-on-one money coaching from Nicole? Book a meeting with her here: intro.co/moneynewsnetwork 

Chapter 7, A Village Untouched by the Revival, from the book Rees Howells Intercessor by Norman Grubb. BooksAndParchments.com

For this week's "take 10," a mom submitted this question for our weekly group coaching call. She asked, "Packing a school lunch for my kindergartener has become stressful. I worry about him getting a nutritious lunch that is fulfilling to get him through the rest of the day, but he always comes home with most of his lunch untouched and his love it foods gone. I've found myself only giving him things I know he'll eat. Of course, these aren't very nutritious. Even things he loves to eat at home he sometimes won't touch at school. Any tips for school lunches?" Find out the top 5 takeaways I shared for families experiencing this feeding challenge.   Want one-on-one help with picky eaters? Sign up for a free 30-minute strategy session here.

Buffy the Vampire Slayer 5.4: 00:00 Angel 2.4: 1:00:34 Patreon: https://www.patreon.com/TheFranchise

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Megyn Kelly begins the show by breaking down what the moderators did and didn't do well at the GOP debate, how the candidates performed, and the Trump factor. Then The Federalist's Emily Jashinsky, Ruthless Podcast co-host Comfortably Smug, National Review's Charles C.W. Cooke, and The Daily Wire's Michael Knowles join to talk about the highlights and lowlights from the GOP debate, how Vivek Ramaswamy was “the star" by getting involved in so many fights, how DeSantis was mostly untouched by his competitors, why Tim Scott lost the debate, whether Vivek vs. the GOP establishment will help him gain ground in the primary, Mike Pence's role and his messaging at the GOP debate, how the candidates reacted when asked about pardoning Trump if he gets convicted, DeSantis trying to figure out whether to be who he is or who he thinks he should be, Fox News not asking about racial gender ideology but asking about UFOs, former President Trump's interview with Tucker Carlson, the truth about the "hundreds of millions" of views, Trump's presence and humor, whether Tucker Carlson's interview with Donald Trump was successful counter-programming, how he hilariously roasted Biden and Harris, and more.Jashinsky: https://thefederalist.com/author/emilyjashinsky/Smug: https://www.youtube.com/@RuthlessPodcastCooke: https://charlescwcooke.comKnowles: https://www.michaeljknowles.comFollow The Megyn Kelly Show on all social platforms: YouTube: https://www.youtube.com/MegynKellyTwitter: http://Twitter.com/MegynKellyShowInstagram: http://Instagram.com/MegynKellyShowFacebook: http://Facebook.com/MegynKellyShow Find out more information at: https://www.devilmaycaremedia.com/megynkellyshow

War hero, Medal of Honor recipient, and subject of an Oscar-winning film, Sgt. Alvin York was the most famous soldier of his generation. But behind the honors and publicity was an uncompromising Christian patriot who suffered when his ideals were challenged by shifting views of faith, patriotism, and moral relativism. Untouched by German gunfire, York faced destruction from disease, disrespect, and the IRS. Join us to hear the whole story of this great American figure.

Authors Alix Kates Schulman and Joan Didion make the same observation from their very different experiences: during their long marriages, they and their husbands didn't age. Get in touch: @gretchenrubin; @elizabethcraft; podcast@gretchenrubin.com Get in touch on Instagram: @GretchenRubin & @LizCraft Get the podcast show notes by email every week here: http://gretchenrubin.com/#newsletter Leave a voicemail message on: 774-277-9336 For information about advertisers and promo codes, go to happiercast.com/sponsors Want to be happier in 2022? Order Gretchen Rubin's book The Happiness Project to see how she approached the question, “How can I be happier?” and start a Happiness Project of your own. Happier with Gretchen Rubin is part of ‘The Onward Project,' a family of podcasts brought together by Gretchen Rubin—all about how to make your life better. Check out the other Onward Project podcasts—Do The Thing, Side Hustle School, Happier in Hollywood and Everything Happens with Kate Bowler. If you liked this episode, please subscribe, leave a review, and tell your friends! To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices