Podcasts about Variable

Get your free Strength Training for Hormone Health guide at witsandweights.com/free to learn how to structure your training to support healthy hormone levels as you age, applying the principles from this episode.--Every week there's new advice about training. Train to failure. Don't train to failure. Do more volume. No, you're overtraining. Meanwhile, you're stuck making zero progress because nobody's telling you what actually matters.Today, Philip ranks the 5 training variables that drive 80% of muscle growth, plus one hidden foundation that amplifies them all. Using the concept of Leverage Points from systems thinking, you'll discover which variables create disproportionate results and which ones are just noise distracting you from real progress.This is an evidence-based blueprint to stop spinning your wheels and start building the physique you want.Episode Resources12 Rules of Training Volume to Build More Muscle | Ep 348Join Physique University for Training Templates and Lifting LessonsTry MacroFactor for free with code WITSANDWEIGHTSTimestamps0:00 - Why you're stuck and overwhelmed by conflicting training advice 3:18 - Variable #1: Training volume (the primary driver of muscle growth) 8:02 - Variable #2: Training effort and proximity to failure 12:54 - Variable #3: Progressive overload (the adaptation mechanism)20:37 - Variable #4: Exercise selection and mechanical efficiency25:14 - Variable #5: Frequency (how to distribute weekly volume) 30:05 - Bonus variableSupport the show

Do you ever feel like budgeting is impossible because your income changes from month to month? If you're self-employed, work on commission, or depend on tips, you're not alone. Living on a variable income can feel like riding a financial roller coaster—one month you're doing fine, and the next, you're wondering how to make ends meet.But the good news is that God's Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us:“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”No matter how steady—or unpredictable—your income is, a plan is essential.Build Your Budget on What You Know, Not What You HopeMany people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month.Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving.For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons.This approach protects you from overcommitting when income drops and helps you live within your means.Create an Income-Holding AccountWhen your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account.Here's how it works:Deposit all income into one central account—your “holding tank.”Once a month, transfer your budgeted amount into your regular spending account.This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder:“Know well the condition of your flocks, and give attention to your herds.”In today's world, that means knowing where your money is, where it's going, and when it's available.Also, if your income fluctuates, an emergency fund isn't optional—it's essential.Start by saving enough to cover one month's expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you'll be able to keep paying yourself consistently.Differentiate Between Fixed and Flexible ExpensesAnother key to managing a variable income is learning to distinguish between fixed and flexible expenses.Fixed expenses—like rent, insurance, and loan payments—stay the same.Flexible expenses—like dining out, entertainment, or travel—can adjust with your income.During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances.One of the easiest ways to get off track is through “surprise” expenses that shouldn't be surprises—car repairs, insurance premiums, or property taxes.List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you're ready. No scrambling. No stress. Just peace that comes from faithful planning.Trust the Provider, Not the PaycheckEven when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children.So whether your income changes weekly or seasonally, rest in this truth: stability isn't found in your paycheck—it's found in God's faithful provision.If you're ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God's resources.Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store.On Today's Program, Rob Answers Listener Questions:I've been able to save about $170,000 and add around $10,000 each month. Once I reach $200,000, I'd like to start investing $10,000 a month in something with greater growth potential, even if it carries a bit more risk. Right now, I'm earning about 4% at the bank. What would be a wise next step for that money?I've just moved into an independent living facility and am in the process of selling my condo, which should close soon. I'll need the proceeds to help cover my living expenses, but I'm wondering—how should I handle tithing on that money?I just wanted to express my gratitude for the way you and your team share wisdom so respectfully and thoughtfully. Listening to your program has really deepened my understanding and helped me grow.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday 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.

In this episode, we ask: Would you like a practical guide to building a resilient business? Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business? What was so scary about Frankenstein's monster? What is Variable Universal Life (VUL)? What is the nightmare twist?...

Welcome to Episode 194 of Inside The Line: The Catskill Mountains Podcast! On this episode, Tad and I chat with Julie McGuire and Jaime Kennard about their new documentary called Queen of the Catskills — a wild ride through skiing the High Peaks and surviving to tell the tale. We also talk about unprepared hikers turning New Hampshire, local breweries teaming up for good (and for beer), and how you might be polluting the trails just by being your normal hiker self. Make sure to subscribe on your favorite platform, share the show, donate if you feel like it… or just keep tuning in. I'm just grateful you're here. And as always... VOLUNTEER!!!!Links for the Podcast: https://linktr.ee/ISLCatskillsPodcast, Donate a coffee to support the show! https://www.buymeacoffee.com/ITLCatskills, Like to be a sponsor or monthly supporter of the show? Go here! - https://www.buymeacoffee.com/ITLCatskills/membershipThanks to the sponsors of the show: Outdoor chronicles photography - https://www.outdoorchroniclesphotography.com/, Trailbound Project - https://www.trailboundproject.com/, Camp Catskill - https://campcatskill.co/, Another Summit - https://www.guardianrevival.org/programs/another-summitLinks: Queen of the Catskills, Variable, Jamie's Instagram, Julie's Instagram, Winter Girl Film Tour, Catskill 3500 Winter WeekendVolunteer Opportunities: Trailhead stewards for 3500 Club -https://www.catskill3500club.org/trailhead-stewardship, Catskills Trail Crew - https://www.nynjtc.org/trailcrew/catskills-trail-crew, NYNJTC Volunteering - https://www.nynjtc.org/catskills, Catskill Center - https://catskillcenter.org/, Catskill Mountain Club - https://catskillmountainclub.org/about-us/, Catskill Mountainkeeper - https://www.catskillmountainkeeper.org/ Post Hike Brews and Bites - Last Chance, Maras on the way, Paradox Brewing, Upward Brewing, #QOTC #catskillsqueen #winter #skiiinghighpeaks #3500skiing #winterprep #catskillswinter #history #hikethehudson #hudsonvalleyhiking #NYC #history #husdonvalley #hikingNY #kaaterskill #bluehole #catskillhiking #visitcatskills #catskillstrails #catskillmountains #3500 #catskills #catskillpark #catskillshiker #catskillmountainsnewyork #hiking #catskill3500club #catskill3500 #hikethecatskills #hikehudson

A Clare TD has written to the Transport Minister, Transport Infrastructure Ireland and the Gardaí proposing that a variable speed limit be introduced on the M18 and N18 in Clare. Meelick Fianna Fáil TD Crowe has suggested the measure amid an ongoing spate of road traffic collisions on the route. It comes as one person has been hospitalised as a precautionary measure following a road traffic crash on the N18 near Cratloe this morning. The move would see speed limits change throughout the day as is currently the case on the M50 in Dublin. Deputy Crowe believes it would make driving in the county "an awful lot safer".

Every mortgage renewal in Canada right now feels like a coin flip — do you lock in for safety or ride the variable and hope rates keep falling. Here's the truth no one's telling you: there's no one-size-fits-all answer. What works for one family could sink another. That's why strategy matters more than headlines. ]'After eight Bank of Canada rate cuts since 2024, some people are celebrating… but for hundreds of thousands of Canadians, the reality is brutal — renewals at double or triple their old rates. Payments jumping by $1,000+ a month, forcing families to make the most important financial decision of their household budget: lock or float?For more information, be sure to visit https://www.owlmortgage.ca/ & https://wealthbuilders.realpm.ca/

Este capítulo cuenta con la colaboración de ford.es.El mercado de renta variable vive en una auténtica bacanal desde que en el mes de abril se disipó el miedo a los aranceles de Trump. El Nasdaq 100, por ejemplo, registra un rally del 52% desde entonces, pasando de los 16.540 a los 25.200 puntos. Una fiesta descomunal, de esas que se recuerdan durante años.En ese entorno es en el que siempre surge el eterno debate entre la presión compradora y la vendedora, entre los alcistas que aún creen que queda fiesta y los bajistas que prefieren ser más prudentes y levantar el pie del acelerador.En este sentido, técnicamente hablando, "el S&P 500, que es la referencia que yo sugiero vigilar, tiene recorrido hasta los 7.100-7.200 puntos", asegura Joan Cabrero en el último episodio del podcast Estrategia de mercado. "Estamos hablando de un 5 o 6% de recorrido adicional, si el selectivo decide replicar la subida del Nasdaq", asegura.En Europa la situación es un poco diferente. Aun se pueden encontrar selectivos por debajo de sus resistencias. "El Ibex 35 está fuerte como un roble y tiene entre ceja y ceja no solamente ir a los 16.040 máximos de 2007, sino que quiere superarlos y entrar en subida libre absoluta o en modo cohete, como digo siempre coloquialmente", afirma Cabrero.Si miramos otras plazas europeas, el CAC sigue sin superar su resistencia de los 8.260 puntos. Ha empezado la semana temeroso en las inmediaciones de esa resistencia, que es la que frustró las subidas en marzo del 2024 y también en marzo de este año. "Quizás a la tercera lo consiga", espera Cabrero.Exposición recomendadaOperativamente hablando, el experto comenta que se siente cómodo con una exposición a bolsa en torno al 50%. "Si la tienen más elevada, no vendan todavía, pero estén ojo avizor: una pérdida de los 24.200 del Nasdaq 100 o de los 6.550 del S&P 500 marcaría el final del baile", advierte. En ese caso, reducir hasta ese 50% sería lo sensato.

Your past never forgets you. We have a Patreon! What to support us? Click HERE! You can find us on Instagram (chaosenginepod) and Bluesky (chaosenginepod) You can also email us at chaosenginepod@gmail.com We have a discord now! Feel free to stop by if that interests you! The Cast: Referee: Chris Blex Blex Blex - Jake Astrodomos "Toots" Rodgers - Meescha Jedt Coinbitter - Cody Zander Cross - Tyler Check out our friends: Pretending to be People! Stories & Lies Sorry, Honey I have to Take This Tabletop Talk Wilderspace Gaming Doomed to Repeat The Great Old Ones Gaming Negative Modifier Chaos Springs Eternal The Black Flare Podcast 9mm Retirement Radio Suffer Not

Every relationship runs on an invisible ratio. When criticism outweighs enjoyment and appreciation, trust and energy start to fade. In this episode, I share a simple but powerful principle that transforms how you lead, work, and live: more enjoyment than critique. Because when appreciation leads, connection and performance follow.   Show Notes: Inspire Me Audiobook: Now Available on Audible and Spotify The Inner Advantage Audio Series: Details here.    Get Inspired Every Monday Morning & Join The Community:  For free delivery of my weekly email join my mailing list at www.shanecradock.com My bestselling book The Inner CEO: The Inner CEO is available to buy in ebook, paperback, hardback and audio formats. All details are here: www.theinnerceo.com Connect With Me: Have you been inspired from something you've heard on my podcast or do you have a question? I'd love to hear from you. Email me at support@shanecradock.com Follow: Follow me on Instagram, Facebook, LinkedIn and X 

Invité : -Franck Allisio, député RN de la 12ème circonscription des Bouches-du-Rhône Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Invité : -Franck Allisio, député RN de la 12ème circonscription des Bouches-du-Rhône Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Uncover your 3 mistakes holding back your progress: https://unsplice.com/helpIs Premiere Pro crashing on you and wasting hours of your video editing time? On this episode of The Video Editing Podcast, you'll discover why pros in top studios can edit crash-free in Premiere Pro and how you can finally escape constant software headaches. If you're tired of losing edits, missing deadlines, or second-guessing your technical workflow, this episode has practical answers.Learn how to bulletproof your video editing workflow, increase client satisfaction, and free up your creativity by avoiding common technical mistakes. Get Shiny's insider tips from 15 years in the industry and hear how easy changes—like choosing the right codecs and managing your assets—can deliver more stability and confidence. You'll finally be able to respond to client feedback fast, focus on creative editing, and work with zero fear of losing your hard work.Play now to find out how stable your setup can really be—and learn the nine vital fixes nobody else is teaching.Timestamps:[00:00:00] Why Premiere Pro keeps crashing[00:01:28] The workflow secrets of pro editors[00:02:56] Solution 1: Choosing the right codecs[00:05:23] Solution 2: Variable frame rates explained[00:07:49] Solution 3: Audio formats and MP3 traps[00:08:53] Solution 4: The risks of Dynamic Link[00:11:08] Solution 5: Image resolution problems[00:12:42] Solution 6: Image dimensions for video editing[00:14:04] Solution 7: Image formats and flattening[00:15:28] Solution 8: Hard drive space hacks[00:17:29] Solution 9: RAM upgrades for stability[00:19:10] How these fixes separate amateurs from professionalsLinks Mentioned: https://unsplice.com/helphttps://www.unsplice.com/workflowSupport this podcast at — https://redcircle.com/the-video-editing-podcast/donationsAdvertising Inquiries: https://redcircle.com/brands

Fixed, Indexed, or Variable? Understanding the 3 Types of Annuities Description:

What now? We have a Patreon! What to support us? Click HERE! You can find us on Instagram (chaosenginepod) and Bluesky (chaosenginepod) You can also email us at chaosenginepod@gmail.com We have a discord now! Feel free to stop by if that interests you! The Cast: Referee: Chris Blex Blex Blex - Jake Astrodomos "Toots" Rodgers - Meescha Jedt Coinbitter - Cody Zander Cross - Tyler Check out our friends: Pretending to be People! Stories & Lies Sorry, Honey I have to Take This Tabletop Talk Wilderspace Gaming Doomed to Repeat The Great Old Ones Gaming Negative Modifier Chaos Springs Eternal The Black Flare Podcast 9mm Retirement Radio Suffer Not

Welcome back to the Empower Her Business Accelerator podcast! I'm your host, Philippa Channer, and I'm thrilled you're joining me for another week of practical strategy and CEO-level insight. We're deep into our October series all about understanding your business cost structure—and today's topic is one that every entrepreneur thinks they've mastered but often hasn't truly leveraged: balancing fixed and variable costs. This conversation is about more than bookkeeping—it's about creating freedom and flexibility in how your business grows. And before we dive in, I want to take a moment to invite you to something very special: The Entrepreneur Incubator. This is my four-month, done-with-you experience designed to help ambitious entrepreneurs get clarity on their brand, build a sustainable strategy, and—most importantly—implement it with accountability and focus. Inside the Incubator, we'll work together using tools like my Content Clarity Canvas and the Content Clarity GPT to build a tailored 12-week content plan that actually supports your business goals. You'll also get one-to-one coaching and monthly implementation check-ins so your strategy never just sits in a notebook—it comes alive in your business. If you're craving that structure and want to stop guessing about your next marketing move, schedule your free 30-minute consultation using the link in the show notes below. Let's talk about how the Entrepreneur Incubator can help you level up your business from the inside out. (00:00) What Fixed and Variable Costs Really Mean Let's start with the basics. Fixed costs are the expenses that stay steady no matter how much your business grows—think rent, software subscriptions, business insurance, or a salaried assistant. These are predictable, but they can also create pressure when sales slow down. On the flip side, variable costs shift with your business activity—things like shipping, payment processing fees, hourly contractors, and materials. When business is booming, these rise; when things slow down, they ease up. The balance between these two categories affects your cash flow, profitability, and even your confidence as a CEO. Fixed costs bring stability, but too many of them can make your business rigid. Variable costs bring flexibility, but too many can make your margins unpredictable.

Este capítulo cuenta con la colaboración de ford.es.Los altibajos de las últimas jornadas en los principales selectivos de renta variable del planeta son un fiel reflejo de que el mercado sigue debatiéndose entre qué dirección tomar después de que Nasdaq 100 haya alcanzado la zona de los 25.000 puntos, que era la resistencia creciente de una de las grandes referencias del mercado, a la que podían llegar los alcistas con cierta facilidad.Después de que ya hace siete días nos encontramos con las primeras evidencias técnicas bajistas bastante claras -un patrón envolvente en el principal índice tecnológico norteamericano y la pérdida de los mínimos de la semana anterior, algo que solamente una vez había ocurrido en todo el rally- las evidencias bajistas vuelven a aparecer, pero en esta ocasión se han manifestado en una zona de resistencia importante.Ante la posibilidad de que el mercado acabe aceptando esa corrección que se esboza en el horizonte después de un rally tan poderoso y fulgurante como que el que cosechan las grandes bolsas del planeta en 2025, es hora de identificar en qué niveles podría frenar el mercado, y en qué zona aumentar la exposición a renta variable."Hemos venido recomendando en las últimas semanas tener un grado de liquidez, interesante. Esto es de primero de marinero. Tener esa liquidez será munición muy preciada para comprar en los niveles oportunos, es vital en estos momentos", afirma Joan Cabrero, analista técnico y estratega de elEconomista.es."En este sentido, la primera zona de corrección o de soporte en la que yo recomendaría comprar, es en la zona de los 21.800-22.000 puntos del Nasdaq 100", afirma el experto. "Es cierto que los 23.000 hay un primer soporte, que es el ajuste del 23,6% de Fibonacci de todo el rally, pero yo la zona de verdad donde iniciaría las compras es un ajuste un poco más digno, que es el ajuste del 38,20% de Fibonacci de todo ese rally. Y eso sería alcanzando un ajuste hasta los 21.800-22.000 puntos", afirma.Una caída hasta dicha cota, supondría una corrección del 10-13% desde el último máximo, en línea con la regla del 10%.La zona de compra en el Ibex 35En el mercado español, la zona de soporte análoga a esos 21.800-22.000 puntos del Nasdaq se encuentra en los mínimos de septiembre, que es donde el experto comenzaría a disparar. "No es una corrección muy importante, es una caída del 7% desde el último máximo, hasta los 14.645-14.650 puntos", insiste."El verdadero regalo de Navidad, lo veremos, si caen los 14.000-13.750 enteros, que son los mínimos de junio. Eso ya supondría un retroceso del 10-12% y abriría una ventana magnífica para realizar compras orientadas a aprovechar ese probable rally de fin de año", sentencia Cabrero.

Scans are completed, but are the right choices made? We have a Patreon! What to support us? Click HERE! You can find us on Instagram (chaosenginepod) and Bluesky (chaosenginepod) You can also email us at chaosenginepod@gmail.com We have a discord now! Feel free to stop by if that interests you! The Cast: Referee: Chris Blex Blex Blex - Jake Astrodomos "Toots" Rodgers - Meescha Jedt Coinbitter - Cody Zander Cross - Tyler Check out our friends: Pretending to be People! Stories & Lies Sorry, Honey I have to Take This Tabletop Talk Wilderspace Gaming Doomed to Repeat The Great Old Ones Gaming Negative Modifier Chaos Springs Eternal The Black Flare Podcast 9mm Retirement Radio Suffer Not

Headlines on today's episode include:-CHS CEO discusses when to lock in fertilizer-Stuck in the middle again-Markets face uncertainty as USDA disrupted during government shutdown-Variable yields for corn harvest in central Kansas-Missouri farmer makes temporary grain storage pay See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Este capítulo cuenta con la colaboración de ford.es.El actual contexto de mercado en el que se mueven las bolsas, les obliga a decantarse entre dar continuidad a la fiesta alcista que acumulan desde los mínimos de abril o afrontar una sana corrección que les permita purgar parte de la sobrecompra acumulada hasta ahora. Una situación que invita a vigilar las señales que marcarían el inicio de una caída de mercado.En ese sentido, Joan Cabrero, analista técnico y estratega, asegura que "el día en que las grandes tecnológicas caigan en bloque más de un 3-4%, será en el que los grandes gestores, los verdaderos dueños de la pista, habrán pulsado el botón rojo, el que apaga las luces y nos marca el final de la música", apunta el experto que invita a abrocharse los cinturones.Otra pista muy simple que alertaría a los alcistas sería ver a las bolsas perforando los mínimos de la semana anterior. "Mientras no haya un cierre semanal en el que el Nasdaq 100 pierda los mínimos de la semana anterior, no habrá techo. Vamos a seguir vigilando los 24.784 puntos y mientras no tengamos un cierre de un viernes por debajo de ese nivel, tranquilidad, no vamos a reducir la exposición a bolsa, vamos a estar en el after sin tramos y vamos a disfrutar de la música", afirma el experto en el último episodio del podcast Estrategia de Mercado.Para el inversor más centrado en el Viejo Continente hay que destacar como ni el DAX ha superado los 25.000 puntos, que es la cota que marca el techo del canal que limita la consolidación lateral de los últimos meses, ni el CAC ha batido la resistencia de los 8.260 enteros, que es la misma que frenó las subidas el año pasado y este marzo."Hasta que no se crucen esas puertas, no habrá invitación real al After Hours europeo", afirma Cabrero. Y más con la situación política que se vive en nuestro país vecino que no invita tampoco a lanzar las campanas al vuelo en ese sentido.El caso del Ibex 35En el caso del Ibex 35, dada la dinámica del mercado, no es descabellado empezar a pensar en cuales serían las primeras señales que proporcionarían pistas al inversor que apunten hacia un contexto de debilidad que ponga en jaque la actual fortaleza.El primer signo de debilidad lo encontraríamos si no consigue mantenerse al cierre de esta semana s…, ahora soporte, de los 15.444 puntos. "Ese movimiento, unido a una pérdida de los mínimos de la semana pasada -los 15.280 enteros- invitaría a pensar que el control pasaría a manos de los bajistas", matiza Cabrero. Y esta tendencia se vería confirmada si ya cae el soporte clave de los 15.000 enteros.

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Decisions must be made We have a Patreon! What to support us? Click HERE! You can find us on Instagram (chaosenginepod) and Bluesky (chaosenginepod) You can also email us at chaosenginepod@gmail.com We have a discord now! Feel free to stop by if that interests you! The Cast: Referee: Chris Blex Blex Blex - Jake Astrodomos "Toots" Rodgers - Meescha Jedt Coinbitter - Cody Zander Cross - Tyler Check out our friends: Pretending to be People! Stories & Lies Sorry, Honey I have to Take This Tabletop Talk Wilderspace Gaming Doomed to Repeat The Great Old Ones Gaming Negative Modifier Chaos Springs Eternal The Black Flare Podcast 9mm Retirement Radio Suffer Not

Welcome back to the Empower Her Business Accelerator podcast! I'm your host, Philippa Channer, and I'm beyond thrilled to welcome you to this very special 200th episode!

On this week's episode of The Sales Playbook Podcast, we talk about what happens if you don't "audit" certain sales habits from time to time! Oh, and there's a cool FREEBIE I'm going to send everyone too! If you'd like to check my availability for your Sales Kickoff or my one on one sales coaching, you can email me paul@yoursalesplaybook.com   

Is tracking every single expense the key to taking control of your finances, or just a fast track to burnout? What are the pros and cons of meticulous money tracking? Doug Hoyes and guest Charlie Kovacs debate who benefits most from detailed spending logs, when it's OK to simplify, and strategies to build a money system that actually sticks. 00:00 – Welcome & Introduction: Charlie explains why he's a fan of tracking expenses 08:00 – Variable vs. Fixed Expenses: Focusing on variable expenses to reveal patterns 10:00 – How to Create a Simple Spending Summary 11:30 – The Motivation Problem: Why staying on track is hard 13:30 – Start Small: Charlie's advice for tackling one category at a time 14:30 – One-Week Tracking Tip: Find Your Spending Baseline 20:00 – The Subtraction Method: Identifying savings opportunities 23:00 – Should You Have More Than One Bank Account? Pros and cons explained 26:00 – Finding What Works: Progress, not perfection Personal Budgeting Help and Free Spreadsheet DIY Credit Repair Strategies and Free Course 80/20 Money Management Rule Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Hosted by Chris Beckett & Shane Ludtke, two amateur astronomers in Saskatchewan. actualastronomy@gmail.com The Actual Astronomy Podcast presents Episode 502: The Observer's Calendar for October 2025. In this episode we talk about a long list of observing events from Carbon stars to many shadow transits of the Moon of Jupiter. Don't miss the Orionid meteor shower and catch Saturn with its rings edge on! We also discuss some stars and deep sky objects and two bright comets coming our way!   Oct 1 - Monday Oct 1 - Carbon Star FU Mon is at it's best tonight Oct 2 - Minor Planet Ceres is at opposition at m-7.6 Oct 4 & 5th - Double Shadow Transit on Jupiter. 12:49am and 7:03pm EST. Oct 6th - Full Moon as Saturn, Neptune and Moon congregate in late evening sky Oct 7th - Full Moon today but try and Follow Sirius with your unaided eye into the daylight  sky this week and see if you can ferret Vega out before sunset. Double shadow transit? Oct 9th Endymion sunset rays visible on Moon Oct 10 - South Taurid Meteor shower in pre-dawn sky - ZHR = 5 to 10 Oct 11 - Double Shadow Transit on Jupiter 2:42 am est. Oct 12 - Jupiter 4-degrees S. Of Moon & another Jupiter double shadow transit at 9:11pm & Zodiacal light becomes visible this week! Oct 13 - Last Quarter Moon & Carbon Star RT Capricornus best tonight Oct 14 - Variable star T Cephei at max mag. 5.2 this evening Oct 15 - Saturn ring tile of -1.01-degrees! Oct 16 - Moon occults Regulus 1pm est - We miss it Oct 18 - Double Shadow transit on Jupiter Oct 20 - Mercury 2-degrees S of Mars (conjunction) Double Shadow transit on Jupiter Carbon Star RZ Pegasai at it's best tonight Oct 21 - New moon & Orionid Meteor Shower peaks with ZHR of 20 in predawn hours - These meteors originate from Comet Halley, 1 part of stream..second part in Aquarids of May - Also, another double shadow transit on Jupiter Oct 22 - Gegenschein visible from dark skies, high in S at midnight Oct 23 - NGC 1269 well placed for those much farther south of 50-N Oct 24 - Carbon star S Scuti at it's best tonight Oct 25 2 more Shadows on Jupiter 7:18pm - Saturn ring tilt closes to -0.72-degrees Oct 26 Carbon Star UV Aquili best tonight Oct 27 - NGCs 55, 247 & 300 well placed in south late in the evening Oct 28 - Lunar X visible near crater Werner - Another double shadow transit on Jupiter Oct 29 - First Quarter Moon & Mercury at greatest elongation in evening sky - LOW - Lunar Straight wall visible this evening Oct 30 Jeweled Handle visible on Moon From AI- The Jeweled Handle (or Golden Handle) on the Moon is a clair-obscur effect where the peaks of the Montes Jura mountain range, bordering the Sinus Iridum (Bay of Rainbows), are illuminated by the rising sun at lunar dawn. This creates the illusion of a "handle" formed by bright, curved mountain peaks against the shadowed basin of the Sinus Iridum.  Look out for: Comet C2025 R2 SWAN  C/2025 A6 Lemmon   We've added a new way to donate to 365 Days of Astronomy to support editing, hosting, and production costs.  Just visit: https://www.patreon.com/365DaysOfAstronomy and donate as much as you can! Share the podcast with your friends and send the Patreon link to them too!  Every bit helps! Thank you! ------------------------------------ Do go visit http://www.redbubble.com/people/CosmoQuestX/shop for cool Astronomy Cast and CosmoQuest t-shirts, coffee mugs and other awesomeness! http://cosmoquest.org/Donate This show is made possible through your donations.  Thank you! (Haven't donated? It's not too late! Just click!) ------------------------------------ The 365 Days of Astronomy Podcast is produced by the Planetary Science Institute. http://www.psi.edu Visit us on the web at 365DaysOfAstronomy.org or email us at info@365DaysOfAstronomy.org.

In this episode of K9's Talking Scents, Cameron Ford has a conversation about variable reinforcement with Natalie Morris — a detection dog trainer, evaluator, and educator who brings unmatched passion and clarity to the K9 community.Together, they explore:The realities of training K9 teams for operational readinessHow science and fieldwork should inform training practicesWhat too many handlers are getting wrong in documentationThe psychological edge required to build true canine trustWhether you're a seasoned handler or just getting started, Natalie breaks down complex concepts like variable reinforcement into actionable insights. Her unique approach to education, her transition from handler to national evaluator, and her deep respect for both dogs and humans make this a must-listen.

Rewards and reinforcement are different. Rewards are things, reinforcement is a process. We are reinforced and rewarded intrinsically or extrinsically. Knowing which one controls and motivates us the key to autonomy.Life lived is life learned. Every experience has facts, concepts and applications.  These arestories from the eclectic life of Lonnie Jones, Licensed ProfessionalCounselor, Minister, SWAT Team Chaplain, Outdoor Enthusiast, Quixotic Jedi andholder of an honorary doctorate from the University of Adversity.  To Support this podcast projectplease send gifts via Venmo @Lonnie-Jones-19 or use Cash App$Lonniejones3006.    Please follow us and share. Want lonnie to speak at yourevent?  Contact:  lonjones@bellsouth.net Check out YouTube for thelive eye view while the episode was being recorded.  Also look for archived lessons, Skits, and videosshowing/explaining some of the rope stuff we talk about.  YouTube.com/@LonnieJones Visit www.lonniejones.org  to find links tooriginal art, swag, 550guys and the following books:"Cognitive SpiritualDevelopment: A Christ Centered Approach to Spiritual Self Esteem";"Grappling With Life. Controlling Your Inside Space";"Pedagogue" The Youth Ministry Book by Lonnie Jones; "If I Werea Mouse" a children's story written and illustrated by Lonnie Jones;"The Selfish Rill, a story about a decision" A fantasy parableby Lonnie Jones.  T-shirts, stickers, prints and other art at www.teespring.com/stores/lonnie-jones-art https://lonnie-jones-art.creator-spring.com/listing/buy-podcast-swag?products=46  #www.worldchristian.org#tkminc2001@twlakes.net #www.hcu.edu #hpcitizensfoundation.orgFaulkner.edu/kgst  graduateenrollment@faulkner.edu    

durée : 00:05:13 - La Revue de presse internationale - par : Catherine Duthu - Donald Trump a apporté son soutien inconditionnel à l'Argentine de Javier Milei, confronté à la fébrilité des marchés financiers après une série de revers électoraux et législatifs. Mais le président des États-Unis a affiché ses divergences avec son homologue brésilien à la tribune de l'ONU. - invités : Sébastien Velut Professeur de géographie à l'IHEAL (Institut des Hautes Etudes de l'Amérique Latine)

Lo que nadie te contó sobre el Filtro ND Variable K&F Concept 77mm ND2-400 puede cambiar la manera en que haces fotografía de retrato, moda o paisaje. En este video descubrirá cómo este filtro ayuda a controlar la luz cuando trabaja con flashes potentes o en exteriores con mucha iluminación, evitando tener que disparar a diafragmas cerrados como f/16 y permitiéndole lograr un look más profesional y creativo.Le mostraré ejemplos reales en sesiones de retrato y cómo el Filtro ND Variable K&F Concept 77mm ND2-400 facilita trabajar con diafragmas abiertos, consiguiendo fondos más desenfocados y una estética de revista. Además, comparto consejos prácticos para evitar el “efecto X” en filtros variables y qué ajustes utilizar para sacarle el máximo provecho.Si está pensando en comprar este filtro o quiere saber cómo integrarlo en su flujo de trabajo, este video le dará claridad, inspiración y resultados comprobados.

It's your turn...to click here to send us your comments on the showAdrian takes us into the world of variation in board games.  We discuss the various ways and mechanisms that game design does this and whether we personally like them or not and why.FIRST PLAYER: AdrianOTHER PLAYERS: Becky & TamboIn this episode you'll learn:- that we have a new Discord so come and Join us on Discord and say hi- that Adrian has can to Warp 9 in Star Trek Ascendency by Gale Force Nine Games- that the Lacerdaverse is extended to Rob as he plays Lisboa by Eagle-Gryphon Games- JP gets a full playthrough of The Old Kings Crown by Eerie Idol GamesLINKS REFERENCED IN THE SHOWUpcoming Live Show on YouTube - https://www.youtube.com/watch?v=u3GGJObgufwEPISODE CHAPTERS0:00 - TURN 1 - Player Count2:37 - Join our Discord5:00 - We're going LIVE!!!!!7:40 - TURN 2 - Let's Talk About Hex8:46 - JP - The Old Kings Crown19:07 - Adrian - Star Trek Ascendency31:39 - Rob - Lisboa37:11 - TURN 3 - Main Event: Variable Variabilities40:35 - Asymmetry48:13 - Narrative, Scenarios & Chance Cubes52:31 - Public & Private Goals57:49 - Plug & Play Modules1:04:26 - Deck Construction1:10:45 - Character Builds1:16:04 - TURN 4 - Connect Four1:22:34 - TURN 5 - Penultimate Turn: What's Coming Up?1:34:44 - TURN 6 - The Final TurnSupport the showSUPPORTING THE SHOW- Support us on Ko-FiENGAGING WITH THE SHOWWe want your questions so engage with the show through our channels below:- Email Us - BoardGameGeek - Facebook - Instagram- Youtube - TikTok- Join us on Discord

Text us a pool question!In this episode of the Talking Pools podcast, Lee and Shane discuss the onset of spring and the busy season for pool maintenance. They explore the importance of heating solutions, sales strategies, and the role of preventative maintenance with specialty chemicals. The conversation emphasizes understanding customer pain points and the benefits of innovative solutions like variable speed pumps to enhance pool enjoyment and efficiency.takeawaysSpring brings a surge in pool maintenance inquiries.Heating solutions are essential for maximizing pool enjoyment.Sales strategies should focus on asking for the sale.Preventative maintenance can save costs in the long run.Understanding customer pain points leads to better service.Specialty chemicals can enhance pool care and maintenance.Variable speed pumps offer significant energy savings.Engaging customers with education fosters loyalty.Regular communication about equipment condition can lead to sales.Proactive service can prevent issues before they arise.Sound Bites"You can sell them a heat pump.""You need a blanket for your pool."Chapters00:00Spring Awakening: The Pool Industry's Busy Season06:18Heating Solutions: Maximizing Pool Enjoyment11:24Sales Strategies: Asking for the Sale20:58Preventative Maintenance: Specialty Chemicals in Pool Care27:32Customer Engagement: Understanding Pain Points33:37Innovative Solutions: Variable Speed Pumps and Energy Savings Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

It goes without saying there are always things evolving or changing in the whitetail world. Early season may be the biggest change though. From testosterone changes, to territory changes, to food sources and then to minor pressure movements and often time drought conditions. These variables can be placed into two categories, Macro and micro variables. The Macro variables are the variables that all whitetails are having to consider or are being influenced by, these changes are more physiological than environmental like the micro variables. These variables alter, influence, and predict how deer will then move on the landscape. Therefore they impact hunt strategy greatly! These changes cannot always be predicted months in advance when you set your farm up for the season, so you must be willing to pivot and adjust or call an audible to your plan when it is necessary. Oftentimes, the best laid plans need to have audibles thrown into the mix to accommodate for these macro and micro variables that hunters and landowners do not have control over! This week we break these all down so you can become a better woodsman.

This week on Own It we're talking to Courtney Lewis from The Variable. She just stepped into the role of partner and CEO there two months ago after being on the strategy and leadership team for several years.  Courtney didn't land at The Variable from the agency world. She was in business and management consulting before and brought that experience and knowledge to the firm. We talked about everything from her journey to agency life and ownership, to her perspective on the gender gap in agency ownership, and even biscuits and baking. We had so much fun getting to know one another. You're going to enjoy this a lot. You can find links to Courtney Lewis's LinkedIn Profile and The Variable's agency website in our show notes at untilyouownit.com.  If you're enjoying Own It, please find it on your favorite podcast app and drop us a rating and review. Those help more people discover the show and join our community.  Also, if you're a female or non-binary agency owner, or you want to own an agency someday, join our growing community at that same address … untilyouownit.com.

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

You track your steps. Maybe even your calories. But do you know what it really costs to live each month?Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don't reflect your values—or your faith. Let's explore why this number matters, how to calculate it, and how it ties into faithful stewardship.The Basics of StewardshipNo matter your income level or stage of life, the same principles apply. There are five things you can do with money:Earn itLive on itGive it awayOwe it to othersGrow it through saving and investingToday, we're focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it's not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts.Why Tracking MattersInflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn't reflect your personal circumstances. That's why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship.A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here's where to start:1. Begin with GivingFor believers, giving isn't just another line item. It's the first priority—an act of worship and trust in God's provision.2. Add Savings GoalsWhether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly.3. List Your ExpensesExpenses fall into three categories:Fixed: Rent, mortgage, insurance, subscriptions.Variable: Groceries, gas, utilities.Irregular: Property taxes, holiday gifts, car repairs. Spread these out by assigning a monthly average.When you add it all up, you'll have a clear picture of your total monthly needs—your true cost of living.If your expenses exceed your income, don't panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn't about guilt—it's about faithfulness.Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely.Living With Clarity and FaithTracking your cost of living isn't just a budgeting exercise. It's about living intentionally, aligning every dollar with God's purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose.That's why I encourage you to download the FaithFi app today. With FaithFi Pro, you'll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store.So, do you know your personal cost of living? If not, there's no better time to find out.On Today's Program, Rob Answers Listener Questions:I'm 67 and single. Should I start taking Social Security now, or wait until age 70 for the larger benefit? I'm also worried about whether Social Security will even be around in the future. On top of that, I worked many years for a nonprofit that provided housing, so my reported income was low. Now I'm earning more—will that help increase my Social Security amount?I'm retired and already drawing Social Security, but I also have earned income from pastoring two rural churches. With that income, am I allowed to contribute to a Roth IRA or another type of retirement account?My husband and I don't have much debt besides our mortgage and a 0% interest loan we used for a heat pump. Should we pay off the heat pump early, add more to our emergency fund, or focus on paying down the mortgage?My online savings account was compromised, and someone tried to transfer money out. What steps can I take to protect myself when using online accounts? And do you recommend using a password keeper?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)1Password | LastPassWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

When it comes to building wealth and protecting your family, life insurance often gets misunderstood. In this episode of Cashflow Legendz, we're diving deep into the three major types of permanent life insurance—whole life, universal life, and variable life. We'll unpack how each one works, what makes them different, and why those differences matter for your financial future. From guaranteed growth and stability to flexibility and market exposure, each option comes with its own set of pros, cons, and long-term impacts on your wealth strategy. Whether you're new to life insurance or looking to refine your financial plan, this episode will give you the clarity you need to make confident decisions.   cashflowlegendz.com/ https://bethebank.krtra.com/t/q1ErFkvwM3rK  

Send us a textShownotes can be found at https://www.profitwithlaw.com/498.What if scaling your law firm wasn't about grinding harder—but about thinking like an investor?This episode of Profit with Law is repurposed from Moshe Amsel's exclusive Law Firm Growth Summit talk—content normally reserved for summit attendees, now available to you on the podcast.Moshe breaks down the investor's mindset for growth, showing how to set big financial goals, reverse-engineer your client targets, and invest in marketing with clarity instead of guesswork. You'll discover why acquisitions can be a “cheat code” to growth, how to leverage recurring revenue for predictability, and what metrics actually matter when evaluating your marketing spend.Chapters:[00:00] Law Firm Acquisitions: Clients, Team & Systems[05:30] The 4 Client Types Every Firm Must Market Differently To[09:02] Variable vs. Recurring Revenue: Pros & Cons[11:48] Building Predictable, Repeatable Revenue Streams[14:57] When Buying a Law Firm Maximizes Growth[16:02] The Biggest Marketing Mistakes to Avoid[19:10] Reverse Engineering Revenue Goals That Work[22:32] Budgeting to Fund Next-Level Marketing[26:30] Why a Fractional CMO Changes the Game[29:29] Measuring What Matters in MarketingResources mentioned:Book your FREE strategy session today!: profitwithlaw.com/strategysessionTake the Law Firm Growth Assessment and find out how you rate as a law firm owner! Check out our Profit with Law YouTube channel!Learn more about the Profit with Law Elite Coaching Program hereJoin our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.Connect with Moshe on:Facebook - https://www.facebook.com/moshe.amselLinkedIn - https://www.linkedin.com/in/mosheamsel/

Variable frequency drives, or VFDs, have long offered the opportunity to boost the energy efficiency of rotating equipment such as pumps and fans. But when VFDs are fully integrated into a plant's control system architecture, new levels of plantwide optimization are possible. Control's Keith Larson caught up with Chad White, leader of the North America sales organization for Danfoss, and Raj Nara Yanan, product manager for Honeywell Process Solutions, at the recent Honeywell Users Group meeting in San Antonio to discuss how Honeywell's partnership with Danfoss is unlocking new possibilities.

TWC Podcast #64 Slot Machines Don't Train Dogs!What if everything you've been told about variable reinforcement is only half the story?Dog trainers and psychologists love to say, “Switch to variable reinforcement, it's like a slot machine, that's how behaviors stick.” But here's the truth: that analogy is flawed, incomplete, and in training, often misleading.In this episode, Ivan Balabanov breaks down:-Why the slot machine comparison fails in dog training.-When is Continuous Reinforcement actually more powerful?-How to use extinction bursts as a tool to sharpen behaviors.-Why barking, whining, and nipping aren't “disobedience” but feedback.-The difference between keeping behaviors alive vs. making them bulletproof.Dogs aren't pigeons in Skinner boxes. They aren't gamblers at slot machines. Real training is about clarity, joy, precision, and connection — not random paychecks.If you're serious about dog training, this episode will challenge what you've been told and show you how to think beyond the textbook.Subscribe to the Training Without Conflict® Podcast for more episodes

In this special episode of Cashflow Legendz, Nate and Brandon share a full-circle moment in their Infinite Banking journey. What began years ago with reading Nelson Nash's work and striving to understand what it truly means to “be your own banker” has now led to an invitation as guests on the official podcast of the Nelson Nash Institute. You'll hear their heartfelt conversation, filled with personal stories, key lessons, and the principles that have shaped not only how they teach and serve clients, but also how they live their own lives. This is more than just an interview—it's a reflection on the life-changing impact of Infinite Banking when you fully grasp and apply its truths. Grab your coffee, tune in, and join Nate and Brandon as they share why Nelson Nash's wisdom continues to inspire their mission and message today.  

The Bank of England has just dropped the base rate from *4.25% to 4%*, and my inbox has been full of one big question:  

Many people use a home equity line of credit for home renovations and unforeseen liquidity needs, but if you are carrying an old balance on your variable rate HELOC, the current high interest rate environment has not been friendly to you. Donna and Nathan discuss options for managing variable rate home equity loan balances, and strategies for paying down other forms of high interest debt. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/21/2025; Original Air Date: 4/4/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

This week we talk about Jillian Michaels, recession talk, Jamie Lee Curtis, Alien Earth, Gamescom, PBS and Prager U, and more! Come follow us: http://www.beenhadproductions.squarespace.com/bthanbti SoundCloud: https://soundcloud.com/bthanbtiI Facebook: https://www.facebook.com/BthanBTI/ Twitch: https://www.twitch.tv/bthanbti Twitter: @BthanBTI iTunes: https://itun.es/i6SJ6Pw YouTube: https://www.youtube.com/c/BlackerThanBlackTimesInfinity Rescue + Residence https://www.rescueresidence.org/ Donate: https://www.givebutter.com/R_R_Champions

What powers Cepheid variable stars? What about Mira variables and pulsating stars? And are there variable stars that don't actually vary at all? I discuss these questions and more in today's Ask a Spaceman! Support the show: http://www.patreon.com/pmsutter All episodes: http://www.AskASpaceman.com Watch on YouTube: http://www.youtube.com/PaulMSutter Read a book: https://www.pmsutter.com/books Keep those questions about space, science, astronomy, astrophysics, physics, and cosmology coming to #AskASpaceman for COMPLETE KNOWLEDGE OF TIME AND SPACE! Big thanks to my top Patreon supporters this month: Justin G, Chris L, Alberto M, Duncan M, Corey D, Michael P, Naila, Sam R, John S, Joshua, Scott M, Rob H, Scott M, Louis M, John W, Alexis, Gilbert M, Rob W, Jessica M, Jules R, Jim L, David S, Scott R, Heather, Mike S, Pete H, Steve S, Lisa R, Kevin B, Michael B, Aileen G, Don T, Steven W, Deborah A, Michael J, Phillip L, Mark R, Alan B, Craig B, Mark F, Richard K, Stace J, Stephen J, Joe R, David P, Justin, Robert B, Sean M, Tracy F, Ella F, Thomas K, James C, Syamkumar M, Homer V, Mark D, Bruce A, Tim Z, Linda C, The Tired Jedi, Gary K, David W, dhr18, Lode D, Bob C, Red C, Stephen A, James R, Robert O, Lynn D, Allen E, Michael S, Reinaldo A, Sheryl, David W, Chris, Michael S, Erlend A, James D, Larry D, Karl W, Den K, George B, Tom B, Edward K, Catherine B, John M, Craig M, Scott K, Vivek D, Barbara C, Brad, and Azra K! Hosted by Paul M. Sutter.

What powers Cepheid variable stars? What about Mira variables and pulsating stars? And are there variable stars that don't actually vary at all? I discuss these questions and more in today's Ask a Spaceman!   Support the show: http://www.patreon.com/pmsutter All episodes: http://www.AskASpaceman.com Watch on YouTube: http://www.youtube.com/PaulMSutter Read a book: https://www.pmsutter.com/books   Keep those questions about space, science, astronomy, astrophysics, physics, and cosmology coming to #AskASpaceman for COMPLETE KNOWLEDGE OF TIME AND SPACE!   Big thanks to my top Patreon supporters this month: Justin G, Chris L, Alberto M, Duncan M, Corey D, Michael P, Naila, Sam R, John S, Joshua, Scott M, Rob H, Scott M, Louis M, John W, Alexis, Gilbert M, Rob W, Jessica M, Jules R, Jim L, David S, Scott R, Heather, Mike S, Pete H, Steve S, Lisa R, Kevin B, Michael B, Aileen G, Don T, Steven W, Deborah A, Michael J, Phillip L, Mark R, Alan B, Craig B, Mark F, Richard K, Stace J, Stephen J, Joe R, David P, Justin, Robert B, Sean M, Tracy F, Ella F, Thomas K, James C, Syamkumar M, Homer V, Mark D, Bruce A, Tim Z, Linda C, The Tired Jedi, Gary K, David W, dhr18, Lode D, Bob C, Red C, Stephen A, James R, Robert O, Lynn D, Allen E, Michael S, Reinaldo A, Sheryl, David W, Chris, Michael S, Erlend A, James D, Larry D, Karl W, Den K, George B, Tom B, Edward K, Catherine B, John M, Craig M, Scott K, Vivek D, Barbara C, Brad, and Azra K!   Hosted by Dr. Paul M. Sutter.   We've added a new way to donate to 365 Days of Astronomy to support editing, hosting, and production costs.  Just visit: https://www.patreon.com/365DaysOfAstronomy and donate as much as you can! Share the podcast with your friends and send the Patreon link to them too!  Every bit helps! Thank you! ------------------------------------ Do go visit http://www.redbubble.com/people/CosmoQuestX/shop for cool Astronomy Cast and CosmoQuest t-shirts, coffee mugs and other awesomeness! http://cosmoquest.org/Donate This show is made possible through your donations.  Thank you! (Haven't donated? It's not too late! Just click!) ------------------------------------ The 365 Days of Astronomy Podcast is produced by the Planetary Science Institute. http://www.psi.edu Visit us on the web at 365DaysOfAstronomy.org or email us at info@365DaysOfAstronomy.org.

Variable rewards once powered slot machines; now they're inside your pocket. Behavior-design expert Nir Eyal shows how modern apps turned casino psychology into daily routine. He unpacks the psychological levers hidden in everyday products.Hear the science and the clever design tricks that turn a few minutes into far more time than you intended.If knowledge is power, this episode hands you the switch.

In this episode of The Dental Boardroom Podcast, Wes Read, CPA, CFP, continues the series on turning financial chaos into financial freedom for dental practice owners. Building on previous episodes covering team assembly, personal financial planning, and implementation strategies, Wes dives deep into the third step: developing a business financial plan that supports your personal financial goals.He explains why organizing your financial reporting is the foundation for success, how to interpret monthly financial “X-rays” of your practice, and why understanding your break-even points is critical for long-term wealth accumulation.Whether you're aiming to stabilize cash flow or strategically grow your practice, this episode offers the insights you need to take the next step toward financial clarity and independenceVisual Reference: Break-Evens ChartKey PointsDeveloping a business financial plan is step three in the dental financial planning journey.Organizing financial reporting (balance sheet, income statement, forecast) provides a monthly “X-ray” of your practice's health.Practice CFO's monthly CFO Analysis offers in-depth trend data, industry comparisons, and a “Where Did My Cash Go?” report.Understanding break-even points helps track when collections start contributing toward personal wealth.Fixed costs (rent, labor, marketing, administrative expenses, debt) make up 75–85% of a dental practice's expenses.Variable costs (labs, supplies, merchant fees) fluctuate with production and collections.Dental practices' high fixed cost structure can amplify the impact of slow months on cash reserves.Hitting break-even levels for obligations, debt, taxes, and personal pay is necessary before wealth accumulation begins.#DentalBoardroomPodcast #DentalFinancialPlanning #DentalPracticeManagement #DentalBusinessTips #DentistWealth #BreakEvenPoint #DentalCFO #FinancialFreedomForDentists #DentalBusinessGrowth #DentalPracticeOwners

Send a message/question here!If you're looking for the best workout program for men over 40 that actually fits your busy life, Variable Intensity Training could be exactly what you need. Nope it's not just another rigid workout plan for men 40+ - it's a genuinely flexible system with three different workouts you can mix and match based on your time and energy levels.**email me chris@offacoach.com and let me know if this is a program you'd like to see the full version of!**Most workout programs fail because they don't account for real life. Some days you have an hour and feel great, other days you're exhausted with only 30 minutes to spare. VIT gives you options: the "Just Get It Done" 30-minute session with compound movements, the "Bread & Butter" 40-minute full-body HIT workout, and the "Ooh La La" 50-minute aesthetic-focused session.This is the best workout for when you're busy because there's always something you can do. Even if your week goes completely sideways, you can still get effective training done. The system combines High Intensity Training principles with practical flexibility, making it perfect for guys who want to build strength AND look good in clothes.Whether you're new to HIT after 40 or you've tried rigid programs that didn't stick, VIT adapts to your life instead of forcing your life to adapt to it. You'll hit all your major muscle groups, build functional strength, and target those areas that make you feel confident when you look in the mirror.The beauty is in the flexibility without randomness - you're always doing productive work, but you can roll with whatever life throws at you. No more giving up because you missed one workout or couldn't follow the exact program.Take my free Testosterone Health Investigator test here: https://ovr40.co/quiz to find out in 2 minutes which habits and hormones are sabotaging your efforts to get in shape! And email me chris@offacoach.com with questions or for more details on how we can work 1:1 for a while to get you looking and feeling awesome again!

Hosted by Chris Beckett & Shane Ludtke, two amateur astronomers in Saskatchewan. actualastronomy@gmail.com The Actual Astronomy Podcast presents The Observer's Calendar for August 2025. In this episode we talk about the Moon pairing with Antares, Saturn, Mars then Antares again! We also talk about finding 4 asteroids at oppositions, Ausonia, Pallas, Julia and Hebe. There is also a great line in the sky formed when Jupiter, Venus and the Moon line up with Castor and Pollux after mid-month.   Aug 1 - Carbon Star V Cyg at it's best Aug 2 - Lunar Straight Wall and Eyes of Clavius Aug 3 - Antares 0.6 N. Of Moon - Ausonia at opposition m=9.3 Aug 6 - Wargetin Pancake visible on Moon Aug 9 - Full Moon - Mare Orientale - NGC 6723 well placed Aug 10 - Jupiter and Venus within 2-degrees this week - Pallas at opposition - m=9.4 - Julia at opposition m=8.8 Aug 11 - Neptune, Saturn and Moon congregate in late evening Sky Aug 12 - 5 am Endymion sunset rays visible on Moon - Perseid meteor Shower Aug 16 - Last quarter and many star parties over next 2 weeks Aug  19 - Mercury at greatest elongation 19-degrees from Sun in morning sky Aug 20 - Jupiter, Venus and Moon line up with Castor and Pollux in morning sky Aug 21 - Moon & Mercury  Aug 22 - Old crescent moon in east before sunrise - Variable star Khi Cyg at Max mag. =3.3 Aug 25 - Asteroid Hebe at opposition m=7.6 Aug 26 - Mars 3-degrees N of Moon Aug 31 - Antares 0.7 North of Moon   We've added a new way to donate to 365 Days of Astronomy to support editing, hosting, and production costs.  Just visit: https://www.patreon.com/365DaysOfAstronomy and donate as much as you can! Share the podcast with your friends and send the Patreon link to them too!  Every bit helps! Thank you! ------------------------------------ Do go visit http://www.redbubble.com/people/CosmoQuestX/shop for cool Astronomy Cast and CosmoQuest t-shirts, coffee mugs and other awesomeness! http://cosmoquest.org/Donate This show is made possible through your donations.  Thank you! (Haven't donated? It's not too late! Just click!) ------------------------------------ The 365 Days of Astronomy Podcast is produced by the Planetary Science Institute. http://www.psi.edu Visit us on the web at 365DaysOfAstronomy.org or email us at info@365DaysOfAstronomy.org.