Podcasts about Variable

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Listener Q&A where Andy talks about: How to sell and rebalance positions in a brokerage account when they have unrealized gains and you're trying to be tax-efficient about it ( 7:06 )His thoughts on a few different variable portfolio withdrawal strategies, namely Amortization Based Withdrawals ("ABW"), Total Portfolio Allocation Withdrawals ("TPAW") and Big ERN's CAPE-based approach ( 14:10 )Converting to a Roth IRA money you plan on spending in the near-term, instead of outright distributing it to your bank or brokerage account to be spent from there ( 23:18 )Whether doing Roth conversions or backdoor Roth contributions are ultimately the same thing from a tax planning perspective ( 28:02 )His thoughts on deciding which type of advisor and/or advisory fee model might make the most sense for you when considering the potential fees to be paid to an advisor over a lifetime ( 33:41 )At what point should you just take out unused 529 funds and pay tax and penalty on the gains, assuming you have no expectation they'll eventually get to be used for qualified education expenses ( 40:15 )Potential ideas for small or solo advisory firms to establish a succession plan in the event of the death or incapacitation of the advisor ( 45:26 )What to look for in an advisory relationship to help minimize the risk of the advisory committing fraud with your money ( 50:50 )Whether to live off cash for multiple years - assuming you have saved that much cash - or instead pull from your investment accounts ( 56:53 )His thoughts on Securities Backed Lines of Credit, or SBLOCs, from brokerage firms ( 1:00:35 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comAndy's LinkedIn profile: https://www.linkedin.com/in/andypanko/Links in this episode:Tenon Financial monthly newsletter/blog - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

In this episode we answer emails from Optimus Bill, Pete, and Andy.  We discuss SBLOCs vs margin accounts for liquidity in retirement, what "jumping the shark" looks like in blog form and why its a bad idea for all involved, and a listener's endowment-inspired variable withdrawal strategy (that should work just find). Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterInteractive Brokers Margin Rates:  Margin Rates and Financing | Interactive Brokers LLCPete's "Firefly"  Link:  #firefly #serenity #malcolmreynolds #nathanfillion #captain #captainma... | TikTokFonzie Jumps The Shark:  Fonzie Jumps SharkRon Howard's Misgivings On Jumping The Shark:  Ron Howard discusses "jumping the shark" - EMMYTVLEGENDS.ORGReferenced SEC Disclosure:  SPY2026/06/05 - ADV Form 2A - Google DocsBreathless Unedited AI-Bot Summary:Borrowing against your portfolio can feel like a magic trick: you keep your investments, skip selling, and still get cash when you need it. The trick only works, though, if you understand the rules. We break down a listener question on S-block loans (securities-backed lines of credit) versus margin loans, including how these products are structured, how SOFR-based rates show up in real pricing, and why brokers like Interactive Brokers can look dramatically cheaper than the big-name platforms.Then we dig into the detail that can flip the whole decision: taxes. Margin interest is often treated as investment interest and shows up on Form 4952, potentially landing as a Schedule A deduction. That can change your effective borrowing cost in a big way, especially in higher tax brackets. But does the same deduction apply to an S-block that is set up as a separate loan product? We talk through what we know, what we do not, and the exact question to take to your tax professional so you are not optimizing the wrong thing.From there, the conversation pivots to retirement planning, sequence of returns risk, and why a small allocation to gold keeps popping up in safe withdrawal rate research. We also share a candid take on what happens when personal finance commentary drifts from useful analysis into sensational accusations, and why that shift can be harmful to audiences trying to make calm, long-term decisions.We close by critiquing an endowment-style withdrawal rule designed to smooth spending while still responding to market performance, plus the real-life challenge every retiree faces: spending is not a straight line. If you want more episodes like this, subscribe, share the show with a friend who is nearing retirement, and leave a review with what question you want answered next.Support the show

As an experienced SEO tester, when one can isolate factors to test hypothesis - its always the conclusion where one can get tripped up.I think there is a huge, unacknowledged blindspot in the Semrush ChatGPT reasoning study published this summer. The glaring flaw is no consideration was made as to how these models have different computational and time limits. One uses parametrized knowledge which allows for lots of pre-computed (cached) resources that once captured the Instant mode can produced them without incuring repeating costs.The same is not true for the Thinking mode. They aren't different search engines - they have different budget constraints of time and cost to extract.In a way, it lead to the creation of my first AI Single Variable Test for Content Symmetry vs Asymmetry . That both search engines and LLMs prefer content that can pass symmetry parity.Mentioned in the show:VizzEx plugin is in the Wordpress Plugin Directoryhttps://wordpress.org/plugins/vizzex/AI doesn't work like Google. Even Google doesn't anymore.https://vizzex.ai/ai-visibility-mastery/Semrush - Kevin Indig - ChatGPT model studyhttps://www.semrush.com/blog/chatgpt-reasoning-ai-visibility/Symmetry vs Asymmetry Test Write upLast week's episode: https://www.pandora.com/podcast/confessions-of-an-seo-r/youve-really-only-got-5-seconds-or-you-are-burning-hostload-season-6-ep-31/PE:1325253145Registration is open for the next cohort of the AI Visibility Mastery 12-month course. We are committed to the success of our members.⁠⁠⁠⁠⁠⁠⁠⁠⁠https://vizzex.ai/ai-visibility-mastery/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wordpress registration⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HubSpot registration⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Symmetry Gate⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - check the "cost" of your content for AI models to extract informationSubscribe to Confessions of an SEO™ wherever you get your podcasts. Your subscribing and download sends the message that you appreciate what is being shared and helping others find Confessions of an SEO™An easy place to leave a review ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.podchaser.com/podcasts/confessions-of-an-seo-1973881⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can find me on⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Carolyn Holzman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠American Way Media⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Google Directly⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AmericanWayMedia.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Consulting AgencyNeed Help With an Issue? - reach out Text me here - 512-222-3132Music from Uppbeathttps://uppbeat.io/t/doug-organ/fugue-stateLicense code: HESHAZ4ZOAUMWTUA

Alex McFadyen discusses the intricacies of reverse mortgages in Canada, including recent rate changes, different options available, and how to determine if a reverse mortgage is right for you or your parents.We cover:Recent rate cuts by Canadian reverse mortgage lendersHow reverse mortgages work and who qualifiesComparison of reverse mortgage, line of credit, and traditional refinanceImpact of interest compounding and rate type on costsImportance of understanding future balance and property value growth

Screw The Commute Podcast Show Notes Episode 1157 Today we're going to talk about cellphone video gadgets, for either iPhone or Android. This isn't one of those phone things where it's mostly iPhone. All this stuff will work for both iPhone and Android. And we're talking about hardware, not software. So these are actual gadgets that can make your life way easier in shooting video with your cellphone, and also get better quality out of your videos. Publicity Masterclass - https://www.screwthecommute.com/publicity Podcasting Masterclass - https://www.screwthecommute.com/pod Launch Team - https://www.ScrewTheCommute.com/launchteam Please watch this short trailer to the end and leave a comment - https://www.facebook.com/AmericanEntrepreneurFilm/videos/558575401181955 AI Hacks - https://www.ScrewTheCommute.com/aihacks AI Hacks Video Masterclass - https://www.youtube.com/watch?v=miJed0mCFHQ Professional Speaking Masterclass - https://www.youtube.com/watch?v=hFLR1MLTnf0 Email Marketing Masterclass - https://youtu.be/_wlvw073xP0 How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Training Center - https://imtcva.org/ Higher Education Webinar – https://screwthecommute.com/webinars See Tom's Stuff – https://linktr.ee/antionandassociates 00:23 Tom's introduction to Cellphone Video Gadgets 01:52 MagSafe connection, Lume cube, selfie screen 06:50 Brackets and cages, friction arm, cheese plate, car mounts 10:12 Insta360 camera, clip on microphone, using an SSD, using a gimbal 12:45 Need a tripod or a monopod, using different lenses for your cellphone 16:13 Variable neutral density filter Entrepreneurial Resources Mentioned in This Podcast Higher Education Webinar - https://screwthecommute.com/webinars Screw The Commute - https://screwthecommute.com/ Screw The Commute Podcast App - https://screwthecommute.com/app/ Screw The Commute Podcast Producer - https://screwthecommute.com/larryguerrera/ College Ripoff Quiz - https://imtcva.org/quiz Know a young person for our Youth Episode Series? Send an email to Tom! - orders@antion.com Have a Roku box? Find Tom's Public Speaking Channel there! - https://channelstore.roku.com/details/267358/the-public-speaking-channel How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Retreat and Joint Venture Program - https://greatinternetmarketingtraining.com/ This is the shopping cart system Tom uses! Kartra - https://screwthecommute.com/kartra/ Copywriting901 - https://copywriting901.com/ Become a Great Podcast Guest - https://screwthecommute.com/greatpodcastguest Training - https://screwthecommute.com/training Disabilities Page - https://imtcva.org/disabilities/ Tom's Patreon Page - https://screwthecommute.com/patreon/ Tom on TikTok - https://tiktok.com/@digitalmultimillionaire/ Email Tom: Tom@ScrewTheCommute.com Internet Marketing Training Center - https://imtcva.org/ Related Episodes Top Of Mind - https://screwthecommute.com/1156/ More Entrepreneurial Resources for Home Based Business, Lifestyle Business, Passive Income, Professional Speaking and Online Business I discovered a great new headline / subject line / subheading generator that will actually analyze which headlines and subject lines are best for your market. I negotiated a deal with the developer of this revolutionary and inexpensive software. Oh, and it's good on Mac and PC. Go here: http://jvz1.com/c/41743/183906 The Wordpress Ecourse. Learn how to Make World Class Websites for $20 or less. https://screwthecommute.com/wordpressecourse/

Is indexed universal life (IUL) or variable universal life (VUL) really better than whole life insurance for the Infinite Banking Concept? In this episode, Paul Fugere and David Befort break down a real policy illustration — including a letter recommending a premium increase from $55 to $829 — and explain why "not guaranteed" appears on nearly every page.This breakdown examines the specific mechanics of indexed universal life insurance and variable universal life policies. If you are currently considering these options for your financial portfolio, it is essential to understand the structural concerns raised by industry critics. We analyze why these products often fail to meet the projections presented during initial sales pitches.By comparing the reality of IUL vs VUL, we highlight the potential risks that policyholders frequently overlook. This discussion is designed for anyone evaluating complex life insurance products and seeking clarity on whether they truly serve your long-term financial goals. We strip away the sales terminology to focus on the actual performance expectations versus the marketing promises.JOIN OUR FREE SKOOL COMMUNITY - https://www.skool.com/ibc-community-7282VISIT OUR WEBSITE FOR MORE RESOURCES - https://thewealthwarehousepodcast.com/AND - https://cospark.us/Chapters00:00 Introduction and episode overview01:57 Personal updates and health insurance alternatives04:00 Deep dive into universal life, VUL, and IUL policies09:56 Risks and costs of universal and indexed universal life insurance15:08 Non-forfeiture options and policy flexibility20:06 Comparing returns and performance of different policies25:00 Market caps, fees, and risk factors in IUL and VUL29:58 The importance of guarantees and the banking function35:02 Nelson Nash's perspective on insurance and banking40:08 Tax implications and policy surrender risks45:00 Questions to ask your insurance advisor50:13 Summary and final advice on life insurance choicesMusic provided by SoundStripe code: 60CKVUXW2ZLFRX4LDISCLAIMER: Licensed Authorized Infinite Banking Practitioners. Educational purposes only. Schedule consultation for personalized advice

In Kim on a Whim, co-host Kim St. Onge and host Marc Cox analyze the "Great Wealth Transfer," an estimated $124 trillion intergenerational asset movement from Baby Boomers to Millennials over coming decades. Kim highlights research detailing inheritance disputes and family litigation, emphasizing the importance of detailed documentation, trustees, and estate planning structures. Marc details long-term healthcare cost variables, Medicaid five-year look-back rules, and tax-advantaged wealth preservation strategies, including Variable Universal Life (VUL) policies for generational financial planning. Hashtags: #KimOnAWhim #GreatWealthTransfer #EstatePlanning #Inheritance #FinancialPlanning #VUL #MedicaidRules

Tous les matins dans Europe 1 Bonjour, Laurent Tessier revient sur un sujet qui fait l'actualité. Aujourd'hui, la laïcité à géométrie variable du maire communiste d'Ivry-sur-Seine en juin dernier.Vous voulez réagir ? Appelez-le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur grandes thématiques développées dans l'émission du jour.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

After back-to-back years of intense southern rust pressure, Brevant Seeds retail sales agronomist Alexie Garner says many farmers shifted focus to tar spot in 2026. She tells Brownfield widespread weather patterns have caused sporadic incidences of that disease, as well as several others.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

AP Table Talk: Variable SetupIn this episode of AP Table Talk, Brian and Dave dig into the variable setup mechanic, where the starting game state changes from play to play through randomized boards, player setups, resources, and objectives. From foundational classics like Risk, Catan, and Dominion to favorites like Istanbul, Hey, That's My Fish!, Waddle, Inis, and Sagrada, they debate where the boundary of the mechanic really lies - whether shuffled markets, randomized roles, and end game bonuses truly count - and explore how variable setup supports replayability, fresh puzzles, and balance between new and experienced players. Along the way, they cover the challenges of teaching highly variable games, front-loaded cognitive load in opening turns, variance that can feel empty in games like Wingspan, and bonus stories about Maatatahay, The Quest for El Dorado, Sungka, and Chess960.If you liked this episode please consider commenting, sharing, and subscribing.Subscribing is absolutely free and ensures that you'll get the next episode delivered directly to you. We'd also love it if you took some time to rate the show! We live to lift others with learning.  So, if you found this episode useful, consider sharing it with someone who could benefit. Also make sure to visit University XP online at www.universityxp.comUniversity XP is also on Twitter @University_XP and on Facebook and LinkedIn as University XP.Get the full transcript and references for this episode here: https://www.universityxp.com/podcast/170Support the show

Watch the YouTube version of this episode HEREWhat if your law firm's case management system was designed to be as engaging as Duolingo or TikTok?In this episode, Tyson breaks down an experiment he is currently testing inside his own law firm: using the psychology behind habit-forming apps to make everyday work more engaging.Tyson shares how his firm is building features like daily streaks, personalized quests, team wins, badges, rewards, and even mini games directly into its case management system. But the goal is not to make employees addicted to work. Instead, Tyson explains how these same behavioral principles can be used with intentional guardrails to help employees know what to work on, recognize progress, and make completing important tasks a little more enjoyable.In this episode, we dive into:Why Tyson decided to gamify his law firm's case management systemThe four-part “hook model” behind many habit-forming productsHow variable rewards keep people coming back to apps like TikTok and InstagramUsing AI to create a personalized daily list of important tasksWhy Tyson built streaks—and “streak freezes”—into his firm's systemHow automated recognition can celebrate employee wins without creating unhealthy competitionWhy Tyson is hesitant to use traditional employee leaderboardsThe importance of giving productivity systems an actual finish lineHow to use behavioral psychology without encouraging employees to work constantlyWhy Tyson built a “kill switch” into the system in case gamification creates unintended consequencesTyson also explains how the firm's new “Daily Run” identifies important work from each employee's real task queue, including client communication, overdue tasks, and upcoming deadlines. Once employees complete their most important work, they can earn rewards and maintain their streak while still having a clear stopping point for the day.Timestamps00:00 — Why Tyson is making his case management system more addictive03:00 — The psychology behind habit-forming platforms05:00 — Why law firms are competing with social media for employee attention07:00 — Building streaks and rewards into everyday work09:00 — The five hooks law firms can borrow from social media10:00 — Using AI to create a personalized Daily Run14:00 — Tracking work and employee activity inside the firm16:00 — Variable rewards tied to real accomplishments19:00 — Streaks, loss aversion, and giving employees grace21:00 — Social validation without ranking employees24:00 — Why every productivity system needs a finish line26:00 — Building guardrails and a kill switch into gamificationIf you are looking for ways to get your team more engaged with the systems your firm already uses, this episode offers a fascinating look at how behavioral psychology, AI, and gamification could change the way work gets done inside a law firm.

“Know well the condition of your flocks, and give attention to your herds.” - Proverbs 27:23 Most of us no longer measure our wealth in flocks and herds, but the wisdom of Proverbs 27:23 remains just as relevant today: faithful stewardship requires attention. When we do not know what we have, where it is going, or what it is accomplishing, we cannot manage it wisely. That is where a budget can help. A budget is simply a plan for managing what God has entrusted to us. It is not intended to be a burden, a source of shame, or a rigid set of restrictions. It is a practical tool that helps us practice faithfulness. Begin With the Heart Biblical budgeting starts with the recognition that everything belongs to God. Our income, possessions, savings, spending, and giving have all been entrusted to our care. That means budgeting begins with a spiritual question before it becomes a financial exercise: Lord, how would You have me manage what You have provided? That question changes the purpose of a budget. We are not merely trying to make the numbers balance. We are asking whether our financial decisions reflect what we truly value. A budget can reveal where our money is drifting. Are our resources being absorbed by impulse, comfort, comparison, and accumulation? Or are they being directed toward generosity, provision, responsibility, and contentment? The goal is not simply greater financial control. It is greater faithfulness. Make Generosity Intentional Scripture never treats generosity as an afterthought. 2 Corinthians 9:7 says, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” A budget allows us to give intentionally rather than reactively. Instead of waiting to see whether anything remains at the end of the month, we can prayerfully decide in advance how we want to support our church, ministries, neighbors, and others in need. Generosity should not be driven by guilt or compulsion. It should flow from gratitude for God's provision and a desire to participate in His work. Know Your True Income For those who receive a predictable paycheck, identifying monthly income may be relatively simple. A spending plan can be built around regular take-home pay. Variable income requires a little more care. Business owners, commission-based workers, freelancers, seasonal employees, and hourly workers may see their income fluctuate from month to month. In that situation, it is usually wise to build a budget around a conservative baseline. Review the previous six to 12 months and identify the lower-income periods. Then build your essential expenses around a realistic minimum—not your best month. When income is higher, decide beforehand how those additional dollars will be used. They might help you: Build savings Pay down debt Prepare for upcoming expenses Increase your generosity Without a plan, additional income can easily disappear into increased spending. With a plan, it can strengthen your financial foundation and expand your ability to serve others. Give Every Dollar a Job Giving every dollar a job does not mean spending every dollar. Saving is a job. Giving is a job. Paying bills is a job. Preparing for future expenses is a job. Your budget might include money for: Housing and utilities Food and transportation Debt repayment Emergency savings Retirement Insurance premiums Medical needs Car and home repairs School expenses Holidays and gifts The purpose is not unnecessary restriction. It is intentional direction. When every dollar has a purpose, your money is less likely to be consumed by whatever feels most urgent in the moment. Prepare for Irregular Expenses Many budgets fail because they account only for monthly bills. But real life includes expenses that do not arrive every month. Car maintenance, home repairs, annual subscriptions, insurance premiums, travel, gifts, school costs, medical expenses, and Christmas can all place pressure on a spending plan. These expenses are not true emergencies when we know they are coming. A wise budget sets aside smaller amounts throughout the year. Saving a little each month can turn a large, disruptive expense into a manageable one. Planning ahead does not mean we can predict everything. It simply means we prepare for what we reasonably can and trust God with what we cannot foresee. Build Financial Margin Margin is the space between what comes in and what goes out. Without margin, even a relatively small disruption can create stress or lead to additional debt. With margin, we are better prepared to respond wisely when needs and opportunities arise. Margin also makes generosity possible. Ephesians 4:28 instructs believers to work honestly so that they “may have something to share with anyone in need.” Budgeting helps create that kind of readiness. The goal is not to accumulate excess merely for our own comfort. It is to manage resources in a way that allows us to provide responsibly, respond compassionately, and give freely. Review and Adjust Regularly A budget is not a document you create once and then ignore. It should be reviewed and adjusted as circumstances change. Some months will require different priorities. Certain categories may prove unrealistic. Income may rise or fall. Unexpected needs may emerge. The goal is not perfection. The goal is faithfulness. For married couples, regular budget conversations can also create greater unity. Rather than allowing money to become a source of confusion or conflict, spouses can pray together, clarify their priorities, and make decisions as a team. A regular review gives you an opportunity to ask: How has God provided? Are we living within our means? Do our spending decisions reflect our values? Are we preparing wisely for the future? Is there room to grow in generosity? How Budgeting Shapes Us Budgeting is about far more than numbers. It can become part of our spiritual formation. It teaches us to recognize God's provision. It trains us to say no to one thing for the sake of a greater yes. It helps us practice contentment in a culture of comparison. It creates a framework for generosity before money is absorbed by lesser priorities. A budget cannot guarantee that life will go according to plan. But it can help us respond to God's provision with wisdom, gratitude, and purpose. Take the Next Step With the FaithFi App The FaithFi App is a Christian money-management tool designed to help you integrate biblical wisdom with practical financial decisions. More than a budgeting app, it helps you consider both the numbers and the heart behind them so you can steward God's resources with greater clarity and intentionality. Join more than 80,000 believers pursuing faithful stewardship and begin your 30-day free trial at FaithFi.com/App. On Today's Program, Rob Answers Listener Questions: I need 12 more Social Security credits and recently took a job as a household manager. Should I be classified as a household employee or an independent contractor, and how would the IRS view that arrangement? I have a federal student loan with significant accrued interest. Do I need to pay off that interest before my payments begin reducing the principal? I've also been advised to refinance through a private lender. Should I keep the loan federal or convert it to a personal loan? I'm considering selling a mortgage-free multi-unit property worth about $700,000 to $800,000 and using the proceeds to buy two rental homes for around $250,000 each. What tax, financing, or ownership issues should I consider before making that move? My husband and I are debt-free, live within our means, and expect to receive an inheritance. We want to plan wisely for retirement, investing, Social Security, Medicare, our family, and generosity, but we struggle with analysis paralysis. How can we find a trusted advisor who shares our faith and can help us build a comprehensive plan? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many people believe building wealth is about making the perfect financial decision. The reality is it's about making the right decisions in the right order. In this episode of The Budgetdog Breakdown, I answer real listener questions about saving for college, prioritizing retirement, budgeting with unpredictable income, buying a home while investing, and overcoming the trap of comparing your finances to everyone else's. We discuss why retirement should usually come before college savings, how self-employed individuals can build a reliable budget, why financial comparison is one of the biggest wealth killers, and how creating simple systems makes every financial decision easier. Money isn't just about math. It's about priorities. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:19 College savings vs. retirement 06:07 Budgeting with variable income 09:37 Buying a home while investing 11:17 Escaping the comparison trap 14:28 Why retirement usually comes first 17:07 Final thoughts Key Takeaways • Retirement should usually be prioritized before college savings • Variable income can still be managed with a system • Financial comparison creates unnecessary stress • Clear priorities make difficult decisions easier • Planning beats guessing • Wealth is built through consistency, not perfection Quotables "Wealthy people aren't wealthy because they win every day. They use systems that make losing hard." "Your financial plan should reflect your priorities—not your emotions." "The only person you should compare yourself to is who you were yesterday." Your financial future isn't determined by having perfect timing. It's determined by building a system that supports your goals.

Learn more about Refrigeration Mentor Customized Technical Training Programs at www.refrigerationmentor.com/courses Join the Refrigeration Mentor Hub here This episode is the first of a 10-part "CO2 Unfiltered" series, where we're joined by Ernesto Rodriguez to discuss hermetic CO2 pumps. Ernesto has decades of practical knowledge to help technicians understand how CO2 pumps really work and why so many failures can be prevented through proper design and installation. Here, we cover pump selection and sizing, and troubleshooting, including how to recognize cavitation and flash gas, avoid common piping mistakes, optimize pump performance, and commission CO2 pumps with confidence. In this episode, we discuss: (01:15) Introduction to CO2 pumps and why they matter (04:50) Internal vs. external recirculation systems (09:20) Pump construction and hydrostatic bearing lubrication (15:45) Variable frequency drives and operating at the correct pump curve (19:20) Recirculation rates and cascade system applications (24:15) Pump sizing fundamentals, NPSH, and avoiding cavitation (33:45) Flow regulation, differential pressure regulators, and system balance (46:30) Installation best practices, suction piping, elbows, and insulation (55:00) Proper pipe sizing and maintaining flow velocity (01:01:15) Multiple pump installations and preventing turbulence (01:09:15) Startup, commissioning, and maintenance checks (01:12:30) Troubleshooting cavitation, flash gas, vibration, and pump failures Helpful Links & Resources: Ernesto on LinkedIn Episode 285. CO2 Experts: Transitioning to CO2 as a Service Technician Q & A with Andrew Freeburg Episode 243. Step-By-Step Walkthrough of a CO2 Service Call with Patrick Gregory Episode 227. Getting to Know Transcritical CO2 Supermarket Refrigeration Systems with Kevin Mullis

Buying your first home is exciting, but understanding your mortgage is just as important as getting approved for one.In this episode, Jack Elliott breaks down the fundamentals of home loans, explaining how mortgage repayments work, how interest is calculated, and the differences between fixed, variable and split loans. You'll also learn why small changes to the way you manage your mortgage can make a significant difference over time.Whether you're preparing to buy your first home or you've recently settled, this episode will help you better understand one of the biggest financial commitments you'll ever make so you can make more informed decisions with confidence.Episode Highlights01:46 – Understanding How Mortgages Really Work04:09 – Why Your Mortgage Balance Hardly Changes at First07:16 – The Truth About Fortnightly Mortgage Repayments10:15 – Choosing the Right Mortgage Term14:00 – Who Controls Mortgage Interest Rates?18:52 – Fixed, Variable or Split: Which Is Right for You?25:03 – How to Make Your Mortgage Work for YouConnect with JackBook a Get To Know You Chat with Jack Website | First Home UnlockedCourse Details:THE First Home Buyer Course is our Step-By-Step, No BS Guide to Every Stage of The Home Buying Process – It's the next best thing to having your own buyer's agent. With our expert guidance, you'll know what to do at every step along the way. Become a home owner faster and easier. Click here: https://homebuyeracademy.com.au/YFHBGIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!Subscribe on YouTube: https://www.youtube.com/@TheFirstHomeBuyerCourseSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/your-first-home-buyer-guide-podcast/id1544701825Subscribe on Spotify: https://open.spotify.com/show/7GyrfXoqvDxjqNRv40NVQs?si=7c8bc4362fab421f

This week on #talkintvpodcast, we're diving into time travel, superheroes, and the battle for the Iron Throne!

Forget the ideology. Australian farmers don't need to believe in climate change to care about one thing: their bottom line. This week on AgWatchers, Matt and Andrew explore how practical farmers are cutting costs and creating new income streams through energy solutions and why skepticism is actually the smart approach. Karin Stark, who organizes Australia's agricultural renewables conference, discusses real farmers doing real things on their land. Solar panels reducing diesel bills. Biodigesters turning waste into power. Variable rate fertilizer applications cutting chemical costs. These aren't about saving the planet they're about keeping more money in the farm's pocket. The reality is messier than the marketing. Karin breaks down why some renewable projects fail, how regulatory approval can take years, and what separates farmers actually making money from those chasing buzzwords. She also explores why innovators often come from outside agriculture and what that means for traditional farming families. Whether you're curious about diversifying income or just cutting costs, this conversation cuts through the green noise and gets down to what actually works on Australian farms. Listen to the full episode to hear what farmers are really doing and what's actually worth your time and money. You can find out about the conference on the link below: https://renewablesinagconference.com.au

Chaque jour dans l'Heure des pros, Eliot Deval livre son édito sur l'actualité du moment. Aujourd'hui, les propos de Dominique Sopo qui font polémique.Vous voulez réagir ? Appelez-le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur grandes thématiques développées dans l'émission du jour.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

No suction on a manual pool vacuum can turn a simple cleanup into a frustrating guessing game, especially when the skimmer looks like it's working. We break the problem down into a field-tested troubleshooting order that saves time: confirm real skimmer suction safely, then use the filter pressure gauge (PSI) as your truth meter for flow. When pressure is high, suction is usually low, and a dirty DE filter, loaded cartridge filter, or sand filter that needs backwashing can be the whole story.From there, we get practical about the stuff that quietly steals vacuum power. Variable speed pump settings matter more than most people think, and low RPM can make a vacuum head feel useless. We also cover suction split issues, like a suction-side cleaner on a side port, two skimmers pulling at once, and a main drain line that competes with the skimmer. You'll hear a simple workaround pool pros use when there's no valve to isolate lines: the tennis ball skimmer plug trick to concentrate suction where you need it.Then we go deeper into the harder diagnoses: air leaks that only show up when you add a long vacuum hose, what PSI fluctuations mean, and an easy “plastic bag” test that can help confirm a leak at threaded fittings or unions. We also touch on impeller clogs, pump lid O-ring issues, worn filter elements, and when it makes sense to switch to vacuum alternatives like a Bottom Feeder, Vac Daddy, or portable pool filtration vacuum to get the job done even with aging equipment.If this helped, subscribe for more pool service troubleshooting, share it with a tech who's been fighting low suction, and leave a quick review with the weirdest vacuum problem you've run into.We walk through a practical checklist for fixing weak or no suction when manually vacuuming a pool through the skimmer or a side port. We show how to spot flow problems fast by reading the skimmer, the filter pressure gauge, and the equipment pad clues that point to leaks, restrictions, or missing parts.  • checking for real skimmer suction without risking your fingers  • using filter PSI to diagnose low flow across DE, cartridge, and sand filters  • increasing variable speed pump RPM for stronger vacuum pull  • stopping suction loss to a suction-side cleaner and side port  • concentrating suction with two skimmers using a tennis ball plug  • turning off the main drain to maximize skimmer vacuum power  • identifying missing diverter valves in older one-hole skimmers  • recognizing air leaks by fluctuating PSI when the vacuum hose is connected  • confirming a suction leak with the plastic bag sealing trick  • clearing impeller debris and restoring prime and pressure  • fixing vacuum loss with pump lid O-ring lube or replacement  • upgrading worn cartridges or DE grids to restore suction  • using Bottom Feeder, Vac Daddy, or portable filtration when equipment is weak  Learn more at swimmingpoollearning.com.  you can learn more at PoolGuyCoaching.com.  Send us Fan MailSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

Jason Chats with Emily Vincent.    

Send us Fan MailAre you making pool chemistry harder than it needs to be?In Part 2 of our Chemistry Myths That Cost Pool Pros Money series, Natalie Hood welcomes Eric Wall back to the show to continue separating fact from fiction in professional pool care.From the belief that a strong chlorine smell means a clean pool to the misconception that "perfect" test results always equal healthy water, this episode challenges some of the industry's most common assumptions while exploring what truly creates exceptional water quality and profitable service routes.The conversation goes beyond chemistry, diving into technician training, customer retention, specialty chemical programs, filtration, troubleshooting, and why successful companies focus on systems—not just products.Whether you're servicing ten pools a week or managing hundreds of accounts, this episode offers practical insights that can help streamline operations, improve customer satisfaction, and increase profitability.In This EpisodeWhy a strong "chlorine smell" usually indicates a water quality problem—not a clean pool.The difference between clear water and truly polished water.Why customers notice water feel and clarity before chemistry numbers.How specialty chemicals can simplify service routes when used correctly.Reducing chemical waste and inventory shrinkage.Building consistent treatment systems that every technician can follow.Why standardized service improves profitability.How proper technician training reduces turnover.The importance of mentoring instead of simply assigning new employees to routes.Why asking questions is one of the most valuable skills in the industry.Why filtration is just as important as chemistry.Source water testing and why it often gets overlooked.Variable-speed pumps during algae cleanup and problem pools.Common myths surrounding pool chemistry education.How manufacturers' representatives can become valuable technical resources—not just salespeople.Practical ways to improve your business by working smarter instead of harder.Key Takeaways✔ Water chemistry numbers tell only part of the story.✔ Customer experience is driven by water clarity, feel, and consistency.✔ Good filtration and good chemistry work together.✔ Standardized operating procedures create more profitable service companies.✔ Better-trained technicians stay longer and provide better service.✔ Investing in education pays dividends throughout your business.Featured GuestEric WallEric shares decades of industry experience working directly with service companies, builders, retailers, and distributors across North America. His practical approach focuses on simplifying pool care, improving technician success, and helping businesses become more efficient and profitable through education and standardized systems.Sponsored ByBlu-Ray XLUnited ChemicalLaMotte ChemicalRevdUp ApparelAqua Comfort Water GroupH2Flow ControlsAlso FeaturedNatalie shares an update on her "She Swims So They Can" Tennessee Triple Crown Open Water Swim Challenge benefiting Every Child A Swimmer, including sponsorship opportunities that help provide life-saving swim lessons and water safety education for children.ConnectQuestions for Eric Wall?

Mid-market enterprises and growing brands frequently face severe market friction when trying to compete against category captains with massive advertising budgets.Courtney Lewis, CEO & Partner, and Courtney Williams, Chief Growth Officer & Partner at The Variable, break down how to identify, unlock, and scale hidden growth variables to drive outsized market impact.Key tactical themes covered:Uncovering hidden levers in consumer perception and media consumption for challenger brands.De-risking AI implementation by giving creative teams psychological permission to fail.Building sustainable talent pipelines through structured mentorship and internship architecture.Analyzing the competitive advantages of independent agencies over corporate holding company networks.Courtney Lewis is CEO & Partner and Courtney Williams is Chief Growth Officer & Partner at The Variable, an independent agency helping growth-focused underdog brands punch above their weight class.Connect with our guests:Follow Courtney Lewis on LinkedIn: https://www.linkedin.com/in/courtney-lewis-187b36114/Follow Courtney Williams on LinkedIn: https://www.linkedin.com/in/courtlyndelle/Visit The Variable: https://thevariable.com/Simplify Paid Social with Strike Social: https://strikesocial.com/guaranteed-paid-social-media-ads-outcomes/Connect with Host Dylan Conroy: https://www.linkedin.com/in/dylanconroy/

The Bank of Canada held its policy rate at 2.25 per cent again. Does that make fixed or variable the better mortgage choice in 2026, and could the next move still be a rate hike? Daniel and Nick break down the fixed-versus-variable decision, the July 2026 Monetary Policy Report, inflation, growth, housing weakness, Government of Canada bond yields, and why CMHC MLI Select financing responds to more than the overnight rate. We also explain what investors should stress-test before buying, how lender spreads affect multi-unit debt, and why a rate forecast cannot rescue weak NOI or a bad purchase price. Sources include the Bank of Canada July rate decision, July 2026 MPR, official Government of Canada benchmark-yield data, and CMHC MLI Select materials. TORONTO MULTIPLEX EVENT Try it NordVPN risk-free now with a 30-day money-back guarantee! Use our code "realestate" to get 4 extras months from a 2 years plan Exchange-Traded Funds (ETFs) | BMO Global Asset Management LISTEN AD FREESee omnystudio.com/listener for privacy information.

En ¿Qué te parece?, Manuel Ferreira analiza el crecimiento del consumo eléctrico y explica por qué la alta participación de los hogares genera fuertes variaciones en determinados horarios.El análisis completo, en la cápsula.

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Most of what competes for your attention today isn't winning on the strength of its ideas — it's winning on the strength of its engineering. Apps built on variable reward, infinite scroll, and algorithmic feeds are designed to keep you holding them, not to serve you and let you put them down. In this solo episode, Brett Ingram traces how that design shapes a life one unnoticed moment at a time, and offers a way back to it that isn't another productivity system: noticing where your attention actually goes, and choosing more often than not. What You'll Learn in This Episode The real difference between a tool you pick up and a system built to keep you holding it — and why that distinction is a business model, not a conspiracy theory How "variable reward" (the psychology behind slot machines and the pull-to-refresh gesture) keeps you scrolling even when you don't expect to find anything Why a life is never stolen all at once — it's surrendered in increments too small to notice, remember, or regret What "attention residue" is, and why switching tasks leaves part of your mind working on the thing you left behind Why clock time and lived time aren't the same thing, and what the research says about how often minds wander — and what that costs in happiness The difference between rumination and genuine reflection, and why they can look identical from the outside A single 24-hour practice for starting to reclaim attention, with no apps deleted and no digital detox required Episode Timestamps [00:00] Cold open — the question almost no one can answer [01:00] What the attention economy actually sells [02:30] Variable reward — the psychology behind the pull-to-refresh [04:30] The small fragments that quietly become a life [07:30] Attention residue and what constant capture does to your inner life [11:00] Attention as the real unit of time [14:30] Reclaiming attention without turning it into another performance [18:00] Closing synthesis and the one practice to try today Episode Summary There's a difference between a tool you pick up and a system built to keep you holding it. A hammer doesn't care whether you put it down. A lot of the platforms on your phone are designed, quite deliberately, to care very much — and that's not a conspiracy theory, it's a business model. For a huge share of the digital products people use every day, the actual customer isn't the user, it's the advertiser. What's being sold isn't a product or a service — it's attention, harvested, measured, and resold. That framing, drawn from Tim Wu's book The Attention Merchants, is the starting point for this episode: not a takedown of any single company, but an honest look at what happens to a life when other people and other systems get to keep deciding, moment after moment, what enters your awareness. The mechanism at the center of it is called variable reward. Decades ago, psychologist B.F. Skinner found that a reward arriving on an unpredictable schedule is far more compelling than one arriving on a predictable one — an animal or a person pulling a lever for an uncertain payout will pull it more, and stop less, than one working for a reward it can count on. That's the same mechanism behind a slot machine, and it's the same mechanism behind pull-to-refresh: you don't know if the next scroll holds something interesting, and that's exactly why you keep scrolling. Brett draws a parallel to something a dog trainer once told him — the "jackpot mechanism," where varying the size of a reward (one treat, one treat, then suddenly a handful) keeps a dog working harder than a consistent reward ever would. Feeds run on the same principle, minus the treats. None of this makes the design automatically sinister — plenty of genuinely useful tools use similar hooks, and companies vary widely in how aggressively they lean on it. But the deeper issue isn't that these tools exist; it's that very few people ever agreed, out loud, to the terms. And the cost shows up in pieces too small to register as losses: checking a phone without deciding to, reaching for stimulation before a thought can finish forming, being physically present somewhere while mentally somewhere else entirely. "A life is not stolen all at once," Brett says. "It's surrendered in tiny, forgettable increments — and forgettable is the operative word, because you can't grieve what you don't remember losing." He points to The Truman Show, where Christof's line — "We accept the reality of the world with which we're presented, it's as simple as that" — captures the idea exactly, and to Idiocracy as an exaggerated but uncomfortably familiar picture of what happens when everything is delivered and nothing requires effort. The episode's second half turns inward, connecting attention to what your inner life actually needs to function. Researcher Sophie Leroy's concept of "attention residue" shows that switching away from an unfinished task leaves part of the mind working on it in the background, so the next task gets a smaller, more distracted version of your attention than it otherwise would. Separate research on workplace interruptions found that refocusing after a disruption can take considerably longer than the disruption itself. And a widely cited real-time study by Killingsworth and Gilbert found that people's minds wander nearly half of the time — and that mind-wandering, regardless of the activity, was associated with lower happiness than simply being present with whatever was actually in front of them. That's the reframe at the center of the episode: clock time and lived time aren't the same thing. You can technically possess an hour and never inhabit it. Attention management asks a different question than time management — not "how do I fit more in," but "where am I, actually, when I'm here?" Rather than prescribing a digital detox or a five-step system, Brett offers a different orientation: notice before restricting, learn to name the difference between chosen and captured attention, protect small transitions in the day, and treat boredom as something to tolerate rather than immediately fill. The practice he leaves listeners with is deliberately small — pick one ordinary moment of waiting in the next 24 hours and let it be boring, just to prove you can survive an unfilled minute. As he puts it near the close: "Your attention is the only material your life is actually made of. Everything else is just what you built with it." Resources Mentioned The Attention Merchants: The Epic Scramble to Get Inside Our Heads — Tim Wu's history of the attention-economy business model, from 19th-century newspapers through modern platforms — Publisher page Schedules of Reinforcement — Charles B. Ferster and B.F. Skinner's foundational research on variable-ratio reinforcement and behavior — Background reading "Why is it so hard to do my work? The challenge of attention residue when switching between work tasks" — Sophie Leroy, Organizational Behavior and Human Decision Processes, 2009 — ScienceDirect "The Cost of Interrupted Work: More Speed and Stress" — Gloria Mark, Daniela Gudith, and Ulrich Klocke, UC Irvine, CHI '08 — Full paper (PDF) "A Wandering Mind Is an Unhappy Mind" — Matthew A. Killingsworth and Daniel T. Gilbert, Science, 2010 — Study The Truman Show (1998) — Referenced for Christof's line on accepting a manufactured reality Idiocracy (2006) — Referenced as an exaggerated picture of a world where everything is delivered and nothing requires effort Frequently Asked Questions What is the attention economy? The attention economy is the business model behind most free digital products: rather than the user being the customer, the user's attention is the product, harvested and sold to advertisers. It explains why so many apps are engineered to maximize time-on-platform rather than simply being useful and letting you move on. What is "variable reward" and why does it make apps so hard to put down? Variable reward is a psychological principle, first documented by B.F. Skinner, showing that rewards on an unpredictable schedule drive far more persistent behavior than rewards on a predictable one. It's the same mechanism behind a slot machine, and it's built into features like pull-to-refresh and algorithmic feeds — you keep scrolling because you don't know if the next scroll holds something interesting. What is attention residue? Attention residue, a concept from researcher Sophie Leroy, describes how part of your focus stays behind on a task you've switched away from, especially if it was left unfinished. That means the next task gets a smaller, more distracted share of your attention than it would have otherwise — and the effect compounds every time attention gets pulled and pulled back throughout a day. Does mind-wandering actually make people less happy? Research by Killingsworth and Gilbert, tracking people in real time throughout their days, found minds wandered in nearly half of sampled moments — and that mind-wandering was associated with lower reported happiness than staying present with whatever activity was actually happening, even when that activity was mundane. It's a correlational finding, but it's a strong one. Do I need to do a digital detox to fix this? No. The episode explicitly pushes back on delete-the-apps, get-a-flip-phone solutions, arguing that a structural, cultural problem can't be solved through sheer personal discipline alone. The approach offered instead is about noticing where attention defaults to, naming the difference between chosen and captured attention, and making small environmental changes — not achieving perfect, monk-like focus. What's the difference between rumination and genuine reflection? They can look identical from the outside, but they function very differently. Rumination is a stuck loop of worry that replays without resolving anything. Genuine reflection is structured, curious attention toward your own experience aimed at actually processing something and reaching a conclusion. What's one thing I can do today to start reclaiming my attention? Pick one ordinary moment of waiting in the next 24 hours — a red light, a line, the kettle boiling — and let it be boring. Don't reach for anything to fill it. The exercise is deliberately small: it's not about fixing your entire relationship with attention at once, just proving to yourself that you can survive an unfilled minute. Keep Exploring If this episode resonated, these are worth your time: Mind & Inner Life — Goes deeper into self-knowledge, emotional intelligence, and the difference between rumination and genuine reflection touched on in this episode → optyoumize.com/mind-inner-life Time, Rhythm & Rest — Where "attention as the real unit of time" gets its fullest treatment, along with a framework for rest and rhythm → optyoumize.com/time-rhythm-rest Life Architecture — For designing a life around what actually matters, rather than defaulting to whatever captures your attention first → optyoumize.com/life-architecture Enjoyed This Episode? The best way to support optYOUmize is to subscribe and leave a review — it takes about two minutes and makes a real difference in helping more people find the show. Apple Podcasts · Spotify · Amazon Music · YouTube Leave a Review →

Qahir Dhanani is a Managing Director and Partner at Boston Consulting Group, where he leads engagements with multilateral and international financial institutions, as well as with donor and philanthropic agencies. Prior to joining BCG, Qahir held senior positions at the World Bank, including Advisor to the CEO, and began his career at the Aga Khan Development Network. Born in Kenya and raised in Canada, Qahir brings a deeply international perspective to his work on development finance, institutional reform, and global governance. He joined us for this conversation in a personal capacity. We open by exploring Qahir's personal journey into the world of multilateralism, shaped by his family's move from Kenya to Canada at the dawn of the first Gulf War. From there, we ask Qahir to define multilateralism beyond the summits and headlines, and he makes the case that international cooperation quietly underpins the mundane parts of everyday life - from telecommunications to air travel. We trace the evolution of multilateral institutions across decades of geopolitical change & discuss why today's talk of institutional gridlock echoes tensions the system has weathered before, from the Cold War to the end of globalization's heyday.The conversation turns to the concept of "variable geometry" and the growing role of coalitions of small & middle powers in tackling shared challenges, from digital governance to AI regulation. We explore Qahir's co-authored article in Devex on the priorities facing the incoming UN Secretary-General, discussing the difference between acting as a custodian versus an architect of the institution, and what it will take to rebuild trust with citizens, politicians, and UN staff alike. Qahir also shares a memorable analogy about institutional "salamander rules" to explain how bureaucratic processes calcify over time and how AI could help institutions become faster & leaner without abandoning the safeguards that matter. We close by discussing how the private sector's relationship with multilateral institutions is shifting from transactional to collaborative, and why the next wave of innovation and investment opportunity lies in Africa.*****Qahir DhananiBCG: https://www.bcg.com/about/people/experts/qahir-dhanani LinkedIn: https://www.linkedin.com/in/qahir *****Mihaela Carstei, Paul M. Bisca, & Johan Bjurman Bergman co-host F-World: The Fragility Podcast. X: https://x.com/fworldpodcastInstagram: https://www.instagram.com/fworldpodcast/Website: https://f-world.orgMusic:"Tornado" by Wintergatan. This track can be downloaded for free at www.wintergatan.net. Video editing by: Alex Mitran - Facebook (facebook.com/alexmmitran), X (x.com/alexmmitran),or LinkedIn (linkedin.com/in/alexmmitran)EPISODE RESOURCES:Qahir Dhanani, Jim Larson, “Thenext UN chief must architect a new era of multilateralism,” DEVEX, March 11, 2026https://www.devex.com/news/the-next-un-chief-must-architect-a-new-era-of-multilateralism-112027TIMESTAMPS:00:00:00 Intro00:01:20 Qahir's background00:03:45 What is multilateralism & what has it brought us?00:08:07 Responding to the critique that multilateral institutions are stuck in the past00:12:42 Is globalization the driving force of multilateralism: Variable geometry and coalitions00:14:54 The cost of systemic fragmentation00:17:45 Sovereignty vs. shared benefit – the case for mini-lateral cooperation00:21:09 Digital sovereignty & the case for global AI governance00:25:22 Custodian vs. architect: what the next UN Secretary General must be00:29:30 Reform, modernization, & representation – the challenges ahead00:34:58 Rebuilding trust & cutting through institutional bureaucracy00:40:21 Using AI to streamline institutions without cutting corners00:43:07 What does the private sector want from multilateral reform?00:48:14 Public-private partnership in practice00:51:01 Innovation & investment opportunities beyond Europe and the US00:55:05 Advice for the next UN Secretary-General

7/9/2026 STRATEGIC TIMING: THE UNSEEN VARIABLE IN EXECUTIVE DECISIONSEPISODE 1820“You've heard it said: don't get the cart before the horse. I say don't strap your cart to a wobbly foal either. ” J Loren NorrisStrategic Timing: The Unseen Variable in Executive DecisionsLet's dive into the "when" of leadership through the lens of communication. One of the key strategies for reading the room, timing organizational pivots, and knowing when to wait includes honestly and humbly knowing when you're ready for NEXT and knowing when to wait a beat. Initially, many of my clients are anxious to get on the big stage, be a podcast guest on a big show, hire a booking agent or a PR firm, write a best selling book, before they have fully worked out the initial narrative. “Who do I help and how?”It's hard to put the chimney on before the fireplace is built. Yet many people have facade like chimneys with no fireplace at all. Like launching on the highway from a dead stop momentum isn't instant in most cases. RESOURCES MENTIONED IN THIS VIDEO:

In this episode of Retire with Style, hosts Alex Murguia and Wade Pfau address various listener questions regarding retirement planning. They discuss the implications of long-term care and Medicaid, explore the ARVA framework for retirement income, and delve into variable spending strategies. The conversation also covers healthcare options for early retirees, methods to mitigate sequence of returns risk, and the evaluation of discount rates for Social Security. Throughout the episode, they emphasize the importance of personalized retirement strategies and the need for careful consideration of various financial tools and options. Listen now to learn more!    Takeaways The retirement income challenge is a great opportunity for planning. Self-paying for long-term care can provide better options later. The ARVA framework offers a structured approach to retirement income. Variable spending strategies can help manage retirement funds effectively. Healthcare options should be carefully considered for early retirees. Mitigating sequence of returns risk is crucial for long-term stability. Annuities can provide longevity credits that bonds cannot. Using TIPS as a discount rate for Social Security is generally advisable. Personalized retirement strategies are essential for success. Annual updates to spending strategies can simplify retirement planning. Chapters 00:00 Introduction and Announcements 03:10 Long-Term Care and Medicaid Options 06:09 Exploring the ARVA Framework for Retirement 08:52 Understanding Variable Spending Strategies 14:00 Healthcare Options for Early Retirees 17:58 Mitigating Sequence of Returns Risk 24:06 Evaluating Social Security Discount Rates   Links Ready to build a retirement strategy that's tailored to you? Join Wade Pfau and Alex Murguia for the FREE Retirement Income Challenge, July 13–16 from 12–2 PM ET. Over four live sessions, you'll discover your RISA® Profile, calculate your Funded Ratio, and use both to build a personalized retirement income strategy that aligns with your goals, preferences, and financial reality—so you can move forward with greater clarity and confidence. Register now: retirewithstyle.com/ric

In this episode, we review the high-yield topic of ⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Common Variable Immunodeficiency Disorder (CVID) ⁠⁠⁠⁠⁠⁠⁠ from the Pediatrics section at ⁠⁠⁠⁠Medbullets.com⁠⁠⁠⁠⁠⁠Follow⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Medbullets⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on social media:Facebook: www.facebook.com/medbulletsInstagram: www.instagram.com/medbulletsofficialTwitter: www.twitter.com/medbulletsLinkedin: https://www.linkedin.com/company/medbullets

Send us Fan MailThis week on Mondays Down Under, Lee Salisbury, Shane Sneddon, and Nick welcome Westley Collins from Madimack for a deep dive into one of the fastest-evolving areas of the pool industry—heat pump technology.Westley explains the real difference between traditional on/off heat pumps and modern inverter-driven systems, how variable-speed compressors and fans dramatically improve efficiency, reduce operating costs, and make today's heat pumps quieter than ever before.The conversation also explores one of the industry's most misunderstood topics: properly sizing a heat pump. From evaporation and pool covers to climate, water features, and pool location, you'll learn why choosing the correct heater involves far more than simply calculating pool volume.The discussion expands beyond heating into Madimack's growing lineup of pumps, chlorinators, filters, and smart equipment. Wesley explains how inverter technology is now improving variable-speed pumps and salt chlorinators, making equipment quieter, more energy-efficient, easier to retrofit, and smarter than previous generations.Whether you're a pool professional, builder, retailer, or homeowner looking to better understand modern pool equipment, this episode delivers practical information that can help save energy, reduce operating costs, and improve overall pool performance.In this episode: Why inverter heat pumps outperform traditional on/off models  How heat pumps actually transfer heat from ambient air  Proper heat pump sizing and the biggest mistakes installers make  Why pool covers are the single biggest factor in heating efficiency  The effects of evaporation, water features, and infinity edges on heat loss  Installation considerations including airflow and ventilation requirements  Why today's heat pumps are dramatically quieter  Variable-speed pump technology and AI-driven flow management  Smart chlorinator technology and adaptive chlorine production  Retrofit-friendly equipment design for service professionals  What's next in pool equipment innovation Whether you're replacing equipment, designing a new pool, or simply want to understand where pool technology is heading, this episode offers valuable insight from one of the industry's leading manufacturers. Listen, Subscribe & ShareIf you enjoyed this episode, please subscribe to the Talking Pools Podcast on your favorite podcast platform and leave us a review. Your support helps us continue bringing the pool industry's best educators, innovators, and professionals together each week. Support the showThank you so much for listening! You can find us on social media:FacebookInstagramTik TokEmail us: talkingpools@gmail.com

Sometimes it's fun to daydream a bit!  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff unpack the potential uses of those unexpected windfalls.  The lottery is a great example, although a long shot – especially if you don't play!  Selling a business or receiving a large inheritance is much more likely for some of you.  Below are some practical (and not so practical) ideas. Practical matters first: There will be tax considerations for any windfall and consulting a tax professional and/or financial planning professional will be very helpful. They can help you consider: Lump sum vs annuity payments Timing of business ownership transfer and payments Taxation on various inherited assets and the timing of withdrawals and sales Then, assess where you are with your goals! Can ensure you are on track for retirement, college savings, debt repayment, and so many other things. Last – the fun stuff! With large windfalls, maybe you get to do that pie in the sky dream splurge? Golf simulator? Vacation house? Large chunks of money can potentially have larger tax implications depending on their source. Consulting a tax planning professional can be very helpful in these circumstances. And with these windfalls, consider what's really important to you, tackle that first, then maybe you'll have extra for a splurge! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Investing involves risk including the loss of principal. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors. Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply Citations: Loughead, Katherin.  Estate and Inheritance Taxes by State, 2025.  Tax Foundation. October 28, 2025. Bonus Depreciation for Short-Term Rentals: The Complete Guide (2026).  https://taxfoundation.org/data/all/state/estate-inheritance-taxes/ Powerball. FAQS.  https://www.powerball.com/faqs

On this week's episode of The MacRumors Show, we discuss the latest leaks and rumors surrounding the iPhone 18 Pro. 01:30 Tata Electronics data leak discussion02:49 iPhone 18 Pro's C2 modem: US.. vs. international09:57 Color-matched rear glass insert12:20 Variable aperture camera upgrade17:31 Apple's camera marketing and demo criticism20:59 iPhone 18 Pro price increase expectations27:55 Apple TV price hike reaction35:24 Micron, memory shortage, and supplier pricing41:18 New HomePod and Apple TV timing 43:56 iPhone 18 Pro's 5G satellite connectivity feature49:11 SIM vs. eSIM and carrier headachesTata Electronics, one of Apple's manufacturing partners in India, was hit by a ransomware attackthat resulted in more than 200,000 internal files being posted online, including component lists, supplier data, and images of ‌iPhone 18 Pro‌ test units. The material was obtained illegally, and MacRumors has not seen the stolen files directly.Among the leak's more surprising details is that the C2 modem may be limited to international models, succeeding the C1 and C1X modems already used in the iPhone Air, iPhone 17e, and M5 iPad Pro. A bill of materials for the U.S. variant instead lists Qualcomm components, including the SDX80M and other parts associated with mmWave 5G, a feature Apple's C-series modems still lack. U.S. carriers have spent years building out mmWave networks, making it a harder feature to drop from the Pro lineup than it was from the ‌iPad Pro‌ or a rumored cellular MacBook.The leak also lined up with existing rumors of a more uniform rear finish than the iPhone 17 Pro's two-tone design and camera lenses that protrude further from the plateau. Separately, a leaked SIM tray offered another look at the rumored Dark Cherry color option, expected to join Light Blue, Dark Gray, and Silver as this year's lineup, with no black model.On the camera side, the rumored variable aperture main camera is this year's headline upgrade, though it's unclear how much of a real-world difference it will make compared to genuinely transformative jumps in past generations, like the 8x telephoto lens introduced on the ‌iPhone 17 Pro‌ or the and 48-megapixel sensor from the iPhone 14 Pro. Pricing looms over rumors about the device. Apple has now raised prices across much of its lineup, citing a global memory chip shortage driven largely by AI data center demand. The Apple TV and HomePod price hikes drew particular criticism, since both products are several years old with no accompanying hardware changes.Estimates for the ‌iPhone 18 Pro‌ itself point to a starting price as high as $1,399, up from $1,099 for the ‌iPhone 17 Pro‌, an increase weighed against a modest RAM and battery bump, a smaller Dynamic Island, and a more capable N2 chip. A rumored 5G-via-satellite feature will likely offer limited access to specific services like Siri or Maps rather than full Safari browsing.Micron's chief business officer suggested that Apple's own aggressive supplier negotiating tactics may have contributed to the memory shortage now driving prices up industry-wideVisit https://www.storyblocks.com/mac for 15% off annual plans.

Buying a variable speed pool pump should feel like an upgrade, not a guessing game, but most people get stuck on the biggest horsepower number and end up overspending. We walk through a simple approach that starts with what you already have: match the total horsepower of your current single speed pump within a reasonable range, then use VS programming to run the lowest RPM that still gives you clean water and solid circulation.From there, we get specific about the two things that quietly control everything: voltage and plumbing. If you're on 115V wiring, a dual voltage VS pump can't deliver the same total output it would on 230V, so a “3 HP” label may not translate to real-world 3 HP performance. And if your pool has 1.5 inch suction and return lines, there's only so much flow you can realistically push before you're paying for power your system can't use. That's why many small pools, above-ground pools, and older pools are better served by a right-sized option like the Pentair SuperFlo VS class, while larger pools with attached spas and water features often justify stepping up to a true 3 HP VS pump so full-speed performance is available when you need it.We also talk practical install reality: sticking with the same pump brand and footprint (Pentair, Hayward, Jandy, and compatible drop-in options) can save time, reduce plumbing headaches, and make a swap feel close to plug-and-play. We finish with smart use cases like putting a VS pump on a water feature or booster pump, plus why variable speed pumps tend to last longer, run quieter, and deliver major energy savings when sized correctly. If this helps, subscribe, share the show with a pool owner or service tech, and leave a quick review so more people can stop buying the wrong pump.We break down how to choose the right variable speed pool pump for very small pools, older pools, and large pools without wasting money on horsepower your system cannot use. I share simple sizing rules tied to your current pump, your voltage, and your plumbing so you get good flow, strong features, and real energy savings.• matching total horsepower to your existing single speed pump within a reasonable range• why 115V wiring limits real horsepower on dual voltage VS pumps• how 1.5 inch plumbing caps the usefulness of oversized pumps• why downsizing too far can reduce spa jet force and water feature performance• when a 3 HP VS pump is the logical choice for large pools around 20,000 gallons or more• reliable smaller-pool options like the Pentair SuperFlo VS and when WhisperFlo VS fits better• choosing the same pump brand to simplify plumbing alignment and installation• using VS pumps for water features and booster pump replacements• why variable speed pumps often last longer and save more energy than single speed pumpsLearn more at swimmingpoollearning.com.If you're interested in the coaching program that I offer, you can learn more at PogBankCoaching.com.If you're looking for other podcasts, you can find those by going to my website, swimmingprolearning.com.Send us Fan MailSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

Today we're going all the way back to episode 40.Do you remember that guy? The friendly insurance agent you met as a resident, back when you assumed everyone was as well-intentioned as doctors are. Your family was vulnerable then, and instead of a load of inexpensive term life insurance, you walked away with variable universal life (VUL), sold on the tax angle (which can be legitimate in certain situations but the problem is that for most physicians early in their careers, the high costs and structure make it a poor fit at that stage). We walk you step-by-step through how to unwind that decision without leaving your family exposed. And if you somehow sidestepped this one during residency, forward it to a friend who's still trying to figure out how to protect their family. Are you ready to turn worries about taxes and investing into a plan for college and retirement? If you're evaluating your options and want to learn more, visit physicianfamily.com and click 'Get Started' or you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

A $300 variable speed pool pump can feel like the smartest upgrade you'll make all year, until you try to plumb it in, dial in the flow, or keep it running past the first season. We dig into the budget VS pump wave hitting Amazon and big box retailers, and I share what I'd want any pool owner or pool service pro to understand before betting their circulation system on a bargain listing.We start with the unglamorous stuff that decides whether the install is easy or painful: equipment pad layout, inlet and outlet alignment, and why matching your existing pump family (Pentair, Hayward, or Jandy) often saves time and avoids surprise replumbing. From there, we get into the numbers that matter in real backyards. Horsepower ratings and “performance” claims don't always translate to real head pressure, especially on complex pools with spas, water features, long plumbing runs, or higher resistance systems. If the pump can't push water, everything downstream suffers.Next, we talk reliability and total cost of ownership. Cheap variable speed pumps can work, but the components and the drive electronics are often where corners get cut, and reviews commonly point to early failures. We also cover practical deal breakers: finding replacement parts, getting someone willing to service an off brand pump, and whether a standalone VS pump will communicate with automation systems like EasyTouch or Aqualink. Finally, I lay out smarter alternatives, including mid priced brand name VS pumps and a budget friendly approach many people overlook: replacing just the motor and drive (Century or Nidec) while keeping a solid wet end.If you've been tempted by a too good to be true price, listen all the way through, then subscribe, share it with a pool owner who's shopping right now, and leave a quick review. What's the lowest price you'd trust for the pump that runs your whole pool?We break down the real pros and cons behind the $300 to $700 variable speed pool pumps showing up on Amazon and at big box stores. We walk through install fit, honest performance, drive reliability, and why the cheapest option can get expensive fast.  • why low cost variable speed pumps can still run  • equipment pad alignment and why the inlet matters  • horsepower and head pressure claims that may not match reality  • a real service story where flow problems exposed an off brand pump  • cheap components, short lifespan reviews, and total cost math  • limited replacement parts and the risk of no service support  • automation drawbacks with EasyTouch and Aqualink systems  • better alternatives like mid priced name brands and motor plus drive retrofits  Learn more at swimmingpoollearning.com.  If you're interested in the coaching program, you can learn more at Pool PoolGuyCoaching.com.Send us Fan MailSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

Stocks and bonds have traditionally balanced one another—but what happens when they start moving in the same direction? This week, Roger, Elias, and Scott explore why market relationships are changing, what it means for diversification, and why investors may need to think differently about managing risk. They also discuss the growing movement to add pension-like income options to 401(k) plans and whether those features are a welcome addition or simply another layer of complexity. Finally, they tackle one of the biggest concerns among retirees today: the future of Social Security, separating the headlines from the facts and discussing what investors can actually control as they prepare for retirement. Whether you're approaching retirement or already there, this conversation offers practical perspective on building a retirement strategy that can adapt to changing markets and changing times.   Co-Host: Roger Abel, AIF Co-Host: Elias Randel Co-Host: Scott Klahn Producer: Molly Nordlocken Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Annuities are sold by prospectus, which contains detailed information about investment objectives and risks, as well as charges and expenses. You are encouraged to read the prospectus carefully before you invest or send money to buy an annuity contract. The prospectus is available from the insurance company or from your financial professional. The guarantees of an annuity contract depend on the issuing company's claims-paying ability. Variable annuity subaccounts will fluctuate in value based on market conditions, and may be worth more or less than the original amount invested if the annuity is surrendered. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

PainExam Podcast Show Notes NAD+ Supplementation in Pain and Inflammation: Hype, Hope, or Emerging Science? Hosted by: PainExam Podcast Presented by: NRAP Academy (Neuromodulation, Regional Anesthesia & Pain) Host: David Rosenblum, MD Episode Overview In this episode of the PainExam Podcast, we explore the growing interest in NAD+ (Nicotinamide Adenine Dinucleotide) supplementation and its potential role in pain management, inflammation reduction, cellular recovery, and healthy aging. NAD+ is a naturally occurring coenzyme found in every living cell and is essential for energy production, mitochondrial function, DNA repair, and cellular resilience. As NAD+ levels decline with age, chronic stress, inflammation, and disease, researchers have begun investigating whether restoring NAD+ levels may improve outcomes in chronic pain conditions and inflammatory disorders. We review the current science, discuss potential mechanisms of action, and examine how NAD+ therapy is being integrated into regenerative medicine, wellness programs, and pain management practices. What is NAD+? NAD+ is a coenzyme involved in: ✅ Cellular energy production (ATP generation) ✅ Mitochondrial health ✅ DNA repair pathways ✅ Oxidative stress reduction ✅ Neuroprotection ✅ Cellular signaling ✅ Activation of longevity-associated proteins called sirtuins Without adequate NAD+, cells become less efficient at producing energy and managing inflammation. Why Might NAD+ Matter in Chronic Pain? Many chronic pain conditions involve: Mitochondrial dysfunction Oxidative stress Neuroinflammation Peripheral and central sensitization Impaired cellular recovery Researchers hypothesize that optimizing NAD+ levels may help address several of these pathways simultaneously. Potential areas of interest include: Neuropathic Pain NAD+ may support: Nerve repair Axonal recovery Mitochondrial function within neurons Reduction of oxidative injury Inflammatory Pain NAD+ influences inflammatory signaling pathways and may help modulate: Cytokine production Immune cell activity Cellular stress responses Fatigue and Recovery Patients with chronic pain frequently report: Fatigue Brain fog Reduced exercise tolerance Poor recovery Because NAD+ plays a critical role in energy metabolism, some clinicians report improvements in energy and recovery following supplementation. Potential Mechanisms of Action 1. Improved Mitochondrial Function Mitochondria generate ATP, the body's energy currency. Reduced NAD+ levels are associated with: Cellular aging Impaired energy production Increased inflammation Supplementation may help restore mitochondrial efficiency. 2. Activation of Sirtuins Sirtuins are proteins involved in: Cellular repair Longevity Metabolic regulation Inflammation control NAD+ serves as a critical substrate for sirtuin activity. 3. DNA Repair Support NAD+ is required for enzymes known as PARPs (Poly ADP Ribose Polymerases), which participate in DNA repair processes following cellular injury. 4. Reduction of Oxidative Stress Chronic inflammation often produces excessive reactive oxygen species (ROS). NAD+ may help maintain cellular antioxidant defenses and reduce oxidative injury. Routes of NAD+ Supplementation Intravenous (IV) NAD+ Most commonly marketed in wellness and recovery clinics. Potential advantages: Direct systemic delivery Avoids gastrointestinal absorption issues Allows higher dosing protocols Potential limitations: Cost Time commitment Variable evidence base Oral Precursors Rather than NAD+ itself, many supplements provide precursors such as: Nicotinamide Riboside (NR) Nicotinamide Mononucleotide (NMN) These compounds are converted into NAD+ within the body. What Does the Evidence Show? Current evidence remains preliminary. While preclinical and mechanistic studies are promising, large-scale randomized controlled trials evaluating NAD+ specifically for chronic pain are still limited. Areas under active investigation include: Neuropathic pain Neurodegenerative disorders Chronic fatigue syndromes Recovery optimization Healthy aging Patients should understand that NAD+ therapy remains an emerging treatment rather than a standard evidence-based pain intervention. Safety Considerations Reported side effects may include: Nausea Flushing Chest tightness during rapid infusions Headache Fatigue Lightheadedness Most adverse effects appear infusion-rate dependent and can often be minimized through slower administration protocols. Patients should discuss treatment with a qualified healthcare professional, especially if they have: Cardiovascular disease Active cancer Significant medical comorbidities Clinical Pearls for Pain Physicians ✔ Consider NAD+ as a potential adjunct—not a replacement—for evidence-based pain care. ✔ Continue emphasizing exercise, sleep optimization, nutrition, behavioral health, and appropriate interventional therapies. ✔ Discuss realistic expectations with patients. ✔ Recognize that evidence continues to evolve. ✔ Focus on patient-centered outcomes rather than laboratory markers alone. Key Takeaways NAD+ is essential for cellular energy production and repair. Declining NAD+ levels may contribute to aging, inflammation, and chronic disease. Early evidence suggests possible benefits in inflammation, recovery, fatigue, and nerve health. Robust pain-specific clinical trials remain limited. NAD+ therapy should currently be viewed as an adjunctive and investigational strategy in pain management. Resources for Physicians Pain Medicine Board Preparation Prepare for the ABA Pain Medicine Boards with:

    PainExam Podcast Show Notes NAD+ Supplementation in Pain and Inflammation: Hype, Hope, or Emerging Science? Hosted by: PainExam Podcast Presented by: NRAP Academy (Neuromodulation, Regional Anesthesia & Pain) Host: David Rosenblum, MD Episode Overview In this episode of the PainExam Podcast, we explore the growing interest in NAD+ (Nicotinamide Adenine Dinucleotide) supplementation and its potential role in pain management, inflammation reduction, cellular recovery, and healthy aging. NAD+ is a naturally occurring coenzyme found in every living cell and is essential for energy production, mitochondrial function, DNA repair, and cellular resilience. As NAD+ levels decline with age, chronic stress, inflammation, and disease, researchers have begun investigating whether restoring NAD+ levels may improve outcomes in chronic pain conditions and inflammatory disorders. We review the current science, discuss potential mechanisms of action, and examine how NAD+ therapy is being integrated into regenerative medicine, wellness programs, and pain management practices. What is NAD+? NAD+ is a coenzyme involved in: ✅ Cellular energy production (ATP generation) ✅ Mitochondrial health ✅ DNA repair pathways ✅ Oxidative stress reduction ✅ Neuroprotection ✅ Cellular signaling ✅ Activation of longevity-associated proteins called sirtuins Without adequate NAD+, cells become less efficient at producing energy and managing inflammation. Why Might NAD+ Matter in Chronic Pain? Many chronic pain conditions involve: Mitochondrial dysfunction Oxidative stress Neuroinflammation Peripheral and central sensitization Impaired cellular recovery Researchers hypothesize that optimizing NAD+ levels may help address several of these pathways simultaneously. Potential areas of interest include: Neuropathic Pain NAD+ may support: Nerve repair Axonal recovery Mitochondrial function within neurons Reduction of oxidative injury Inflammatory Pain NAD+ influences inflammatory signaling pathways and may help modulate: Cytokine production Immune cell activity Cellular stress responses Fatigue and Recovery Patients with chronic pain frequently report: Fatigue Brain fog Reduced exercise tolerance Poor recovery Because NAD+ plays a critical role in energy metabolism, some clinicians report improvements in energy and recovery following supplementation. Potential Mechanisms of Action 1. Improved Mitochondrial Function Mitochondria generate ATP, the body's energy currency. Reduced NAD+ levels are associated with: Cellular aging Impaired energy production Increased inflammation Supplementation may help restore mitochondrial efficiency. 2. Activation of Sirtuins Sirtuins are proteins involved in: Cellular repair Longevity Metabolic regulation Inflammation control NAD+ serves as a critical substrate for sirtuin activity. 3. DNA Repair Support NAD+ is required for enzymes known as PARPs (Poly ADP Ribose Polymerases), which participate in DNA repair processes following cellular injury. 4. Reduction of Oxidative Stress Chronic inflammation often produces excessive reactive oxygen species (ROS). NAD+ may help maintain cellular antioxidant defenses and reduce oxidative injury. Routes of NAD+ Supplementation Intravenous (IV) NAD+ Most commonly marketed in wellness and recovery clinics. Potential advantages: Direct systemic delivery Avoids gastrointestinal absorption issues Allows higher dosing protocols Potential limitations: Cost Time commitment Variable evidence base Oral Precursors Rather than NAD+ itself, many supplements provide precursors such as: Nicotinamide Riboside (NR) Nicotinamide Mononucleotide (NMN) These compounds are converted into NAD+ within the body. What Does the Evidence Show? Current evidence remains preliminary. While preclinical and mechanistic studies are promising, large-scale randomized controlled trials evaluating NAD+ specifically for chronic pain are still limited. Areas under active investigation include: Neuropathic pain Neurodegenerative disorders Chronic fatigue syndromes Recovery optimization Healthy aging Patients should understand that NAD+ therapy remains an emerging treatment rather than a standard evidence-based pain intervention. Safety Considerations Reported side effects may include: Nausea Flushing Chest tightness during rapid infusions Headache Fatigue Lightheadedness Most adverse effects appear infusion-rate dependent and can often be minimized through slower administration protocols. Patients should discuss treatment with a qualified healthcare professional, especially if they have: Cardiovascular disease Active cancer Significant medical comorbidities Clinical Pearls for Pain Physicians ✔ Consider NAD+ as a potential adjunct—not a replacement—for evidence-based pain care. ✔ Continue emphasizing exercise, sleep optimization, nutrition, behavioral health, and appropriate interventional therapies. ✔ Discuss realistic expectations with patients. ✔ Recognize that evidence continues to evolve. ✔ Focus on patient-centered outcomes rather than laboratory markers alone. Key Takeaways NAD+ is essential for cellular energy production and repair. Declining NAD+ levels may contribute to aging, inflammation, and chronic disease. Early evidence suggests possible benefits in inflammation, recovery, fatigue, and nerve health. Robust pain-specific clinical trials remain limited. NAD+ therapy should currently be viewed as an adjunctive and investigational strategy in pain management. Resources for Physicians Pain Medicine Board Preparation Prepare for the ABA Pain Medicine Boards with:

The Wisconsin Retirement System is one of the best-funded public pension plans in the country — but most participants don't fully understand how it works or how to maximize it.In this episode of Gimme Some Truth, Nate, Andrew, and Clint break down everything you need to know about the WRS and ETF. Whether you're a state employee, teacher, or public sector worker in Wisconsin, this episode is packed with practical insight to help you make smarter decisions with your retirement benefits.Topics include how the pension actually works, the Core vs. Variable investment decision, what to do as retirement approaches, common misconceptions that cost people money, and how to think about it if you're considering leaving public service for a private sector role.

Katrin Klingbeil from the University of Duisberg-Essen discusses the article, "The omnipresence of the letter-as-object misconception: A multilevel Latent Transition Analysis on understanding variables," published in Educational Studies in Mathematics (Volume 120). Co-author: Filip Moons Katrin's professional webpage: https://www.uni-due.de/didmath/ag_barzel/katrin-klingbeil.php Article URL: https://doi.org/10.1007/s10649-025-10428-7 List of episodes

2026-06-10 | UPDATES #211 | The question every serious Western analyst should now be asking is not whether the Kerch Bridge will eventually be brought down, but when. And the analytical answer to that question runs through five operational variables.Variable one: Western long-range strike enablers. The Hudson Institute analysis from October 2023 — Bryan Clark and Can Kasapoglu — laid out the case directly: Ukraine needs Storm Shadow and SCALP-EG cruise missiles fired from F-16 fighters with German Taurus KEPD-350 missiles as an alternative payload. The F-16s have been operationally deployed by Ukraine since mid-2024. The Taurus transfer has remained politically blocked by successive German governments. But the matrix of available capabilities has not gone backwards. Ukraine has the F-16s, has access to Storm Shadow and SCALP-EG, has the targeting expertise, and has been progressively improving its ability to deploy these weapons against Russian air-defence umbrellas. The political constraint — Western governments insisting that long-range Western missiles not be used against the Kerch Bridge or other targets inside Crimea proper — has been one of the most damaging restrictions of the war. Lifting that constraint is the single fastest path to the bridge dropping.----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtainhttps://www.gofundme.com/f/scaling-up-campaign-to-fight-authoritarian-disinformation----------ACTIVE CAMPAIGN:We are raising funds for 5 of 15 Vampire DronesSilicon Curtain for Kupiansk Vampires. Dzyga's Paw, together with Jonathan Fink, is joining forces to raise $40,000 to provide the Khartiia Brigade with Vampire Drones.https://dzygaspaw.com/silicon-curtain-for-kupiansk-vampiresThese heavy bombers are designed to destroy manpower and equipment, as well as for remote mining. The Vampire UAV, manufactured by Skyfall, has proven itself to be one of the most effective weapons in the Kupiansk direction. Skyfall is one of Ukraine's largest defense tech companies, producing Vampire bomber drones, various modifications of Shrike FPV drones, P1-SUN, Shahed drone interceptors, communication systems, and components.----------PLEASE HELP ME ME TO GROW SILICON CURTAINWe are planning our events for 2026, and to do more and have a greater impact. After achieving more than 12 events in 2025, we will aim to double that! 24 events and interviews on the ground in Ukraine, to push back against weaponized information, toxic propaganda and corrosive disinformation. Please help us make it happen!----------SOURCES: Institute for the Study of War — "Russian Offensive Campaign Assessment, May 22, 2026" (22 May 2026)UA.News — "Ukrainian strikes on Russian logistics are disrupting supplies to the front lines" (22-23 May 2026) Kyiv Post — "Russia Warns Ukraine Can Strike Key Crimea Supply Route 200 km Behind Front" (early May 2026) Euromaidan Press — "Ukraine wrapped the occupied south in three layers of drones. Russian trucks are burning" (24 May 2026)Defence Matters — "Ukraine's Medium-Range Drone Strikes Put Pressure on Russia's Land Corridor to Crimea" (early May 2026)6. Tochnyi (via Euromaidan Press) — Analytical monthly tracking; Strikes doubled February to March 2026; munitions storage / artillery usage correlation; fuel-targeting / mechanised operations correlationOko Gora (Ukrainian OSINT project) — Geolocated mapping of approximately 50 documented Ukrainian drone strikes on M-14 and H-20 highway logistics over the preceding two months (March-May 2026) — Project name translates as "Mountain Eye"; verification through photographic evidence and Russian milblogger documentationThe War Zone (TWZ) — "Ukraine Strikes At The Heart Of Russia's Highly Defended Kerch Bridge" (3 June 2025)Kyiv Independent — "Ukraine's SBU strikes Crimean Bridge in underwater attack" (3 June 2025) ----------

Variable annuities are often promoted as a secure way to generate guaranteed income during retirement, drawing the attention of retirees seeking stability for their nest eggs. But beneath the surface, these products frequently come with complications and costs that can erode your savings and limit your financial flexibility. In this episode, I share the details of the often-overlooked downsides of variable annuities and give you some important insights every investor should consider.   You will want to hear this episode if you are interested in... [03:14] What is a Variable Annuity? [04:27] Understanding Annuity Benefits and Growth [08:41] Lack of fee transparency in annuities [09:45] Variable annuity investment drawbacks [14:59] Avoiding variable annuity pitfalls   What Is a Variable Annuity? A variable annuity is an investment product sold by insurance companies, offering a selection of investment accounts, referred to as sub-accounts, designed to mimic mutual fund performance. The tax-deferred growth inside the annuity is often touted as a major benefit. This tax deferral is redundant for retirement investors who already enjoy similar benefits in IRAs or 401(k)s. Many variable annuities advertise living benefits, such as guaranteed lifetime withdrawals. For instance, a $100,000 investment could guarantee $5,000 per year for life, regardless of the contract's cash value. Some contracts offer guaranteed "growth" of your future income base, but crucially, this is not money you can cash out: it simply determines your withdrawal amount, not your walk-away value. The catch is that these appealing features come at a steep price.   Fee Structures are the Hidden Drain on Returns One of the most significant drawbacks of variable annuities is their high-cost structure. These costs can be organized into three main categories:   Mortality and Expense (M&E) Charges: Annual administrative fees imposed by the insurance company, typically ranging from 1% to 2% per year. Sub-Account Fees: Investment management fees that vary depending on your chosen investments. While some options are slightly less expensive, others can reach up to 2% annually. Rider Fees: If your contract includes a guaranteed income benefit, expect an additional 1%-2% per year for this privilege. Combined, these expenses can easily total 3% to 4% annually, making variable annuities arguably the most expensive retirement investment around.   What You Don't See CAN Hurt You Transparency is another major shortfall in the world of variable annuities. Many investors are not fully aware of the high fees they're paying. While the fees are listed in the prospectus, many advisors fail to highlight them, and statements often obscure these charges. Understanding true costs requires diligent reading of the fine print, and even then, variations in sub-account performance can lead to unexpected results. You may believe you're mirroring mutual fund returns, but annuity sub-accounts are not identical and can significantly underperform. The promise of guaranteed income comes at a heavy cost. For the insurance company's guarantee to pay off, you'd generally need to either live well beyond average life expectancy or experience long-term poor market performance. Since withdrawal rates are limited and fees are high, over the long run, variable annuities may yield less retirement income or reduce the amount left to your heirs.   Look Beyond the Sales Pitch Variable annuities can be marketed to highlight only the positives, but it's important to consider the high fees, lack of transparency, poor risk-return tradeoff, inflexibility, and opportunity costs involved. Before committing your retirement savings, do your homework—or consult a truly fiduciary advisor—and make sure variable annuities are the best fit for your long-term goals.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Show notes at pharmacyjoe.com/episode1134 In this episode, I'll discuss an article about the pharmacokinetic and pharmacodynamic properties of IV push cefepime in critically ill patients with sepsis.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2064: Nir Eyal explains how variable rewards and user investment transform ordinary products into habit-forming experiences that keep people coming back. By understanding how companies use triggers, anticipation, and personal investment to shape behavior, listeners can better recognize the psychology behind modern technology while learning how these same principles can be used to build healthier and more beneficial routines. Read along with the original article(s) here: https://www.nirandfar.com/how-to-manufacture-desire/ Quotes to ponder: "Variable schedules of reward are one of the most powerful tools that companies use to hook users." "The fact that we have greater access to the web through our various devices also gives companies greater access to us." "Introducing variability multiplies the effect, creating a frenzied hunting state, activating the parts associated with wanting and desire." Episode references: Skinner box: https://en.wikipedia.org/wiki/Operant_conditioning_chamber Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Business on Top, I'm sharing Leadership Lesson #4: Your Partner Cannot Support a Vision They Don't Understand, a conversation about communication, advocacy, and what it really looks like to build alignment inside a relationship while pursuing ambitious goals. This episode is also Part 2 of the ALT husbands panel we shared last week, where we continue the conversation with an honest look into what support, trust, and partnership actually look like behind the scenes of building big businesses and ambitious lives together. I open up about the early days of building KLC, including the emotional weight of investing our personal savings into a brand-new business, navigating uncertainty inside my marriage, and the conversation that shifted my husband from skepticism to support. From leaving a lucrative corporate career to investing in mentorship before the results existed, this episode explores what it looks like to ask someone to believe in a vision they cannot fully see yet. This conversation feels especially important for women stepping into new levels of leadership, income, and influence inside their households,  often without a roadmap for how partnership evolves alongside ambition. In the second half of the episode, we continue the ALT husbands panel and go deeper into: What support actually looks like during seasons of growth How couples navigate financial and emotional uncertainty together Building trust while one person is actively scaling a vision Why communication creates alignment far more effectively than justification If you are building something meaningful, pursuing a bigger vision, or navigating growth inside your relationships, this episode is a reminder that people trust your vision more deeply when they can feel that you trust it first. Resources → Watch this episode on YouTube → Subscribe to The Blueprint → Learn more & book a call with our team to learn if the Pop Leadership Academy is right for you! → Learn more about our Owner + Practice Manager Business Intensive at The Gwen in Chicago → Follow Kaeli on Instagram: @kaeli.lindholm

Hey Team! This week, I'm talking with Christine Lane, an accredited financial counselor (AFC) with a master's degree in psychology. Christine has ADHD herself and, luckily for the rest of us, her hyper-fixation happens to be on personal finance. She's the founder of Mind Over Money, where she focuses on the psychological hurdles that make traditional budgeting feel like a personal failure rather than just a glitch in your executive function. In our conversation today, we get into her "Four-Bucket Banking System" and why we need to stop making our money multitask. We also explore the concept of using "friction" as a tool for impulse control and why simulating the physical loss of cash can be a great way to get your limbic system to play ball. We also talk about the specific tools she uses to gamify spending, why detailed categorization is often just a form of productive procrastination, and how to set up "set it and forget it" systems that protect your bills from your worst impulses. If you'd life to follow along on the show notes page you can find that at HackingYourADHD.com/296 YouTube: https://tinyurl.com/y835cnrk Patreon: https://www.patreon.com/HackingYourADHD This Episode's Top Tips Modern digital spending, such as our cards and phones, provides a "gain" without the physical feeling of money leaving. To help bridge this gap, tools like a calculator, where you can subtract the cost at the moment of purchase, can help the limbic system register the loss, balancing the emotional input so you feel protective of your remaining funds. When we let our savings accounts multitask, we can end up imagining that the same $5,000 can cover both an emergency and a vacation. By using something like the Four-Bucket Banking System (Bills, Variable, Periodic, Emergency), you create "object permanence" for your money, ensuring that essential funds are physically separated from your spending urges. Willpower is a finite resource that often fails when we are stressed. Instead of "trying harder," we want to focus on bending external structures (like deleting the Amazon app or removing saved credit card info) to create enough friction to let our executive function outpace some of our more impulsive spending choices.  

Most people trying to slash their budget hunt for obvious waste—daily lattes, unused subscriptions, impulse purchases. But what happens when you've already cut the fat and your highest expenses are the ones you can't seem to touch: the mortgage, the car payment, the daycare bill? That's required bloat, and it's quietly inflating your FI number by hundreds of thousands of dollars. Key Topics Discussed Introduction to Value Matrix Case Studies (00:00:00) Jonathan recaps the series and introduces three value matrix case studies, following up from episode 592. Case 1: Required Bloat (00:03:00) Exploring a couple with high required expenses including housing, transportation, and childcare. Discussion of seasons of life and time-bound expenses. Insurance Optimization Strategies (00:13:00) Brad and Jonathan discuss how the couple saved nearly $10,000 annually by shopping insurance policies and adjusting coverage levels. Required Expenses: Fixed, Review, and Variable (00:18:00) Breaking down required expenses into three categories and identifying opportunities for optimization even in supposedly fixed costs. Case 2: The Optimized Budget (00:25:00) Examining a couple spending $50,000 annually with highly optimized expenses across all categories, demonstrating what a locked-in FI budget looks like. Self-Insurance Milestone (00:35:00) Discussion of umbrella insurance and the milestone of becoming self-insured enough to cancel term life insurance policies. Case 3: High-Joy Giving (00:42:00) Analyzing a couple spending $17,000 annually on charitable giving and gifts, exploring the intersection of generosity and financial independence. Effective Giving Strategies (00:46:00) Brad covers tax-optimization strategies for charitable giving including donor-advised funds, lumping donations, and donating appreciated stock. Takeaways and Tool Access (00:54:00) Jonathan wraps up with listener feedback and directs people to access the Value Matrix tool at choosefi.com/local. Notable Quotes "Just because it's required doesn't mean that we ignore it. We're going to put all of this into our process, into our value matrix." — Jonathan Mendonsa "There are definitely seasons to this. Take a deep breath and understand you're still doing great and you're still making plans to supercharge your path to FI." — Brad Barrett "Sometimes when you just get a different quote, you are shocked by how inexpensive it is. It always pays to just get different quotes on insurance." — Brad Barrett "When you have opened up your hands earlier to share in any way that you choose to do it, you are going to definitely avoid this feeling of hoarding." — Jonathan Mendonsa "Wouldn't it be cool if every single item showed up as high joy? That would just really show that you're living an aligned life regardless of cost." — Brad Barrett Key Takeaways Complete an expense audit categorizing all spending into groups (housing, transportation, food, etc.) before using the Value Matrix tool Shop your insurance policies annually—home, auto, health, life, and umbrella—to ensure you're getting competitive rates Categorize each required expense as Fixed, Review, or Variable to identify optimization opportunities Consider higher-deductible health insurance plans (like ACA bronze) if you're healthy to reduce premiums while maintaining catastrophic coverage If charitable giving is important to you, explore tax optimization strategies like donor-advised funds or donating appreciated stock Access the Value Matrix tool at choosefi.com/local under Tools and Resources to visualize your spending alignment Review time-bound expenses (daycare, car payments, student loans) and calculate how your FI number will decrease when they end Join the ChooseFI community giving forum to discuss effective giving strategies with like-minded individuals Resources and Links Effective Giving for the FI Community (Episode 483) FI Lanthropy Pledge ChooseFI Value Matrix Tool yieldandspread.org YNAB (You Need A Budget) Mint Mob…