Podcasts about Variable

Join us for this eye-opening session from the 7th Annual HVAC/R Training Symposium featuring industry experts Roman Baugh, Jon Esquivel, and Adam Mufich as they expose the truth about inverter-driven HVAC systems. What You'll Learn: Common Inverter Problems - Why these systems fail and how to prevent callbacks Design Mistakes - Oversized inverters acting as expensive single-stage units Dehumidification Challenges - Understanding sensible heat factors and humidity control modes Building Science Integration - How envelope leakage and infiltration affect inverter performance Installation Best Practices - Proper setup, commissioning, and field settings configuration Troubleshooting Techniques - Using the diagnostic triangle and understanding EEV operation Refrigerant Charging - Advanced methods for verifying proper charge in inverter systems Climate-Specific Applications - When inverters thrive vs. when they struggle Key Topics Covered: Why education is the biggest challenge with inverter technology The difference between "smart" and "dumb" inverters Dehumidification modes: overcooling vs. coil saturation control How duct leakage creates a "double whammy" effect Rotary vs. scroll compressor technology in inverters Mini-split performance data and missing specifications Variable capacity adjustments and compressor overclocking ERV integration and ventilation strategies The importance of building envelope testing   Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

The Heist of the century Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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

A few weeks ago I mentioned we were working on a new podcast series called Exponential Clarity. The first episode is out. I wrote something in my book Results back in 2016 that I've been thinking about a lot lately: "Giving humanity exponential technology at our current level of consciousness is like giving a toddler a machine gun." I wrote that eight years before ChatGPT; before the wave we're living through right now. In this first episode, Andrea Deltetto and I dig into what that actually means - and why the gap between our technological capability and our understanding of our own minds has never mattered more than it does right now. We're already on the rope bridge. The question is what we bring with us to cross it. If you're a leader, a change-worker, an entrepreneur, or someone who helps others navigate change and uncertainty - I think you'll find this one particularly relevant. Big love, Jamie

In 2026, it is estimated that nearly half of all Canadian mortgages will be up for renewal. This involves over 1 million households here in Canada. Because of the change in interest rates, some of these households could see their monthly payments jump by 15% to 20% on average—and in extreme cases, even higher. That's the bad news. The good news is that if your mortgage is coming up for renewal, the stress test requirements have likely changed since the last time you took out a mortgage years ago. You actually have more power than ever to leave your current mortgage provider if you find a better mortgage elsewhere, and this is because the stress test has been removed in certain cases. Homeowners who were previously "trapped" with their current mortgage provider can now freely move to a competitor offering a lower rate. This forces the lenders to actually compete for your business. In this episode, we're going to cover exactly how you can navigate all of these changes so you can keep more of your hard-earned money invested in your portfolio, rather than handing over an excessive amount to your mortgage provider. Specifically, we're going to cover: What Canadian mortgage holders need to know about these changes to the stress test to avoid "payment shock" and take advantage of the new switching flexibility. How to choose between a fixed-rate vs. variable-rate mortgage with everything that is going on in Canada right now, based on the latest rates. How to execute an advanced hybrid strategy using a re-advanceable mortgage if you have a lump sum of cash to invest, but are nervous about putting it all into the market at once with valuations at all-time highs. To help us dive into all of this, I invited Sean Cooper back onto the show. Sean is the resident mortgage expert for this podcast, he's the bestselling author of the book "Burn Your Mortgage," and he's a fully licensed mortgage broker. He is who I go to and send all friends, family, and listeners of the show to for any mortgage-related questions and research. Because he actually does this as a full-time job, he is up to date on all the latest mortgage rules, changes, and the best interest rates currently available here in Canada. If you have any mortgage-related questions, or if you just want to see Sean's up-to-date research on the best mortgages that he's been able to find across the dozens of lenders that he's constantly monitoring all over Canada, you can send him a message, or book a free call with him over at buildwealthcanada.ca/sean.  Alright, let's get into the show!

Just some blue collar boys Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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

In this episode, I explore the variable most leaders overlook: Their state. Before strategy, before execution, before optimisation... the quality of your inner state shapes everything. You'll hear why outcomes follow state over time, and how the psychological climate you generate affects both work and home. This isn't about mood. It's about responsibility and performance. Master your state and watch your results organise themselves around it, in all aspects of your life.   Show Notes: Meet me on Substack here. The Inner CEO book: Details here: https://theinnerceo.com/ Inspire Me Audiobook: Now Available on Audible and Spotify   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   

El empate técnico en el mercado que mantienen toros y osos -alcistas y bajistas-, es más que manifiesto y refleja a la perfección la igualad de fuerzas entre ambos bandos, dejando atrapados en un rango lateral a las bolsas de EEUU como resultado. Sin embargo, todas las semanas se pueden encontrar novedades a nivel técnico. Y más si como en estas últimas sesiones el rango de precios se estrecha."En breve va a haber un momento decisivo. Yo estoy convencido de que no vamos a tardar en demasiado para saber por dónde van a ir los tiros", advierte en es el último episodio del podcast Estrategia de mercado, Joan Cabrero, analista técnico y estratega de elEconomista.es. "Si hasta ahora estábamos comentando que el rally de la IA continuaría en el momento en el que el Nasdaq 100 superará máximos de octubre y de enero, en los 26.180, te diría que si supera los 25.380 puntos del Nasdaq 100, se confirmaría un patrón de giro alcista en forma de doble mínimo que, para aquellos que les gusta el análisis técnico, resultará muy atractivo por haberse producido después de haber ido a buscar apoyo a su media de 200 sesiones -clásico soporte de análisis técnico-".En opinión del experto, de confirmarse esa ruptura, tendríamos señales de que Wall Street podría atacar los máximos históricos de octubre y de enero en los 26.180, y los acabaríamos superando. Eso sí, Mientras no supere esa resistencia hay que estar vigilando soportes.¿Y cuál es el soporte clave del mercado en la actualidad? Los 6.800 puntos del S&P 500. No habrá que reducir la exposición a bolsa mientras no se perfore ese soporte y si se quiere Juan comprar bolsa americana habrá que mirar si el el Nasdaq ha superado los 25.380."Cuando hablamos de bolsa, hay que ser francotiradores, no disparar por impulsos, ni tampoco ante el primer movimiento que se percibe en la distancia. Un francotirador, estudia el viento, calcula la caída de la bala, controla la respiración y espera que el impulso se estabilece. Y ahí, cuando tiene el objetivo en la mira, después de estos largos minutos sin apretar el gatillo, ¡zas!, le da. Porque te digo una cosa, un disparo precipitado suele ser un disparo fallido, y la munición, como el capital, no es ilimitada. Hay que reservarla para el momento que realmente lo merece", apunta Cabrero.Qué valores son los adecuados para este contextoEn este contexto, hay que fijarse en compañías de software. Compañías que el mercado las ha considerado muy vulnerables ante el efecto de la IA, que han sufrido castigos muy potentes durante las últimas semanas y que ahora podrían estar a punto de dar ventanas de compra muy interesantes.Microsoft, Alphabet, Intuit, Take-Two o Adyen, son un claro ejemplo en ese sentido. Son firmas que tienen unos fundamentales excelentes -están en el punto de mira del Tressis cartera Eco 30-, tienen unos negocios sólidos y que encima están ahora ofreciendo una oportunidad de compra por las caídas que acumulan en bolsa.Entre ellas destaca ServiceNow, que no vende software accesorio, vende automatización y está incrustado en el flujo operativo de las empresas. La IA no lo amenaza a la potencia. También llama la atención Intuit, otro Zafiro del software que ha llegado al suelo del año 2022 y que en el momento que Nasdaq dé el pistoletazo de salida, será una opción interesante. Y también destaca Autodesk que tiene una ventaja muy potente por estar incrustada en el diseño industrial: si el Nasdaq rompe resistencias, podría tener mucha más elasticidad que un perfil puramente defensivo.

Marketers obsess with platform metrics, because these are the numbers they can tactically control the most. However, buried in every CPG product's design are hidden sensory variables that work with or work against the efficiency of marketing. Let me explain in this episode.Your Host: Dr. James F. Richardson of Premium Growth Solutions, LLC www.premiumgrowthsolutions.com Please send feedback on this or other episodes to: admin@premiumgrowthsolutions.com

We get a total lunar eclipse this week. Jupiter is about to turn around in Gemini. Mercury passes by the sun. Mira is about as bright as it gets. And remember T. Corona Borealis? Why hasn't it brightened up yet?

Welcome to the Astrophiz March SkyGuide, where Ian tells us about the Total Lunar Eclipse and all the observation and astrophotography tips that go with it. Also you get highl;ights of the morning and evening skies and how to find the Variable star, Mira.

In this conversation, Dylan Silver interviews Matthew Fornaro, a business law attorney specializing in real estate law. They discuss the increasing regulation in real estate, the importance of legal guidance for investors, and the challenges faced in commercial property transactions. Matthew shares insights on tenant due diligence, the need for proactive legal involvement, and the trends of attorneys investing in real estate. The discussion highlights the complexities of real estate law and the necessity for investors to be well-informed and prepared for potential legal issues.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Podcast de ventas B2B y prospección moderna Se habla mucho de “motivar al equipo comercial”, pero en el día a día seguimos viendo variables opacos, objetivos imposibles, onboardings de catálogo y vendedores enterrados en tareas administrativas. ​ En el nuevo episodio de “Yo también vendo a empresas”, hablamos con Rafael Díaz Cruz sobre por qué motivar es difícil pero desmotivar es muy fácil, y qué errores cometen muchas empresas sin darse cuenta. https://www.linkedin.com/in/rafadiazcruz/ https://www.linkedin.com/school/ie-business-school/ Puntos destacados de la charla: - El director comercial como “saquito de golpes” y figura clave entre dirección, equipo y clientes. ​- Por qué el vendedor viene motivado de casa y es la empresa quien suele desmotivarlo. ​- Las “10 cositas técnicas” para no desmotivar: selección, onboarding, objetivos, variable, carrera, etc. ​- Variable injusto y promesas rotas: la principal razón por la que muchos buenos vendedores se van. ​- Dinero, poder, reconocimiento y altruismo: las 4 grandes palancas de motivación de equipos de ventas. ​- Teletrabajo, juniors y cultura de empresa: cómo equilibrar flexibilidad y sentido de pertenencia. ​ Si diriges un equipo comercial o eres CEO, aquí vas a encontrar ideas muy concretas para dejar de desmotivar a tus vendedores y empezar a construir un entorno donde puedan rendir al máximo. ​ ............................................................................................................................. Y si quieres mejorar tu Maquinaría de Ventas Outbound o formar a tus equipos en #modernprospecting Pues lo tienes fácil: 699 45 85 82 Más en https://outbounders.es/

Astronomy Cast Ep. 783: Cataclysmic Variable Stars By Fraser Cain & Dr. Pamela Gay Streamed live on Feb 16, 2026. There are many types of variable stars. Today we're gonna talk about cataclysmic variable stars, which are the result of a white dwarf stealing material from a companion star. And this whole process makes supervillain Pamela happy. Gravity is the weakest force, but on the scales of stars, it is capable of great violence. In this episode, we look at the wild physics of cataclysmic variables: binary star systems where one star is a predatory compact stellar remnant, while the other is a victimized normal star. Image credit: NASA/CXC/M.Weiss This show is supported through people like you on Patreon.com/AstronomyCast In this episode, we'd like to thank: Burry Gowen, Eric Lee, Jeanette Wink, Michael Purcell, Andrew Poelstra, David, David Rossetter, Ed, Gerhard Schwarzer, Jason Kwong, Joe McTee, Sergey Manouilov, Siggi Kemmler, Sergio Sancevero

https://www.youtube.com/watch?v=hzFgfN2B_k4 Hosted by: Fraser Cain (@frasercain) and Dr. Pamela L. Gay (@CosmoQuest) Streamed live on Feb 16, 2026. There are many types of variable stars. Today we're gonna talk about cataclysmic variable stars, which are the result of a white dwarf stealing material from a companion star. And this whole process makes supervillain Pamela happy. Gravity is the weakest force, but on the scales of stars, it is capable of great violence. In this episode, we look at the wild physics of cataclysmic variables: binary star systems where one star is a predatory compact stellar remnant, while the other is a victimized normal star. Image credit: NASA/CXC/M.Weiss   This show is supported through people like you on Patreon.com/AstronomyCast  In this episode, we'd like to thank: Burry Gowen, Eric Lee, Jeanette Wink, Michael Purcell, Andrew Poelstra, David, David Rossetter, Ed, Gerhard Schwarzer, Jason Kwong, Joe McTee, Sergey Manouilov, Siggi Kemmler, Sergio Sancevero   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.

They are always watching Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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

Hosted by: Fraser Cain (@frasercain) and Dr. Pamela L. Gay (@CosmoQuest) Streamed live on Feb 16, 2026. There are many types of variable stars. Today we're gonna talk about cataclysmic variable stars, which are the result of a white dwarf stealing material from a companion star. And this whole process makes supervillain Pamela happy. Gravity is the weakest force, but on the scales of stars, it is capable of great violence. In this episode, we look at the wild physics of cataclysmic variables: binary star systems where one star is a predatory compact stellar remnant, while the other is a victimized normal star. Image credit: NASA/CXC/M.Weiss   This show is supported through people like you on Patreon.com/AstronomyCast  In this episode, we'd like to thank: Burry Gowen, Eric Lee, Jeanette Wink, Michael Purcell, Andrew Poelstra, David, David Rossetter, Ed, Gerhard Schwarzer, Jason Kwong, Joe McTee, Sergey Manouilov, Siggi Kemmler, Sergio Sancevero

El escenario técnico en el que se mueven las principales bolsas de Europa y EEUU permite a quienes tengan clara la hoja de ruta para operar con los mercados estar cómodos con la situación actual. El mercado es alcista y lo más probable es que siga subiendo, siempre y cuando no se pierdan los soportes que desde elEconomista.es se han venido identificando en las últimas semanas. Se trata de los 5.800 puntos del EuroStoxx 50, 6.800 del S&P 500 en Wall Street y los 17.650 puntos del Ibex 35, que son los mínimos de la semana anterior. Así lo afirma Joan cabrero, analista técnico y estratega de elEconomista.es en el último episodio del podcast Estrategia de Mercado, mientras relata que las bolsas han rebotado desde esas zonas. "El mercado es alcista, está consolidando y mientras no se pierdan soportes, vamos a estar tranquilos, vamos a confiar en que podamos seguir subiendo, en el que el rally de la IA que comenzó en los mínimos de abril pueda continuar", señala el experto En ese sentido, la superación de resistencias sería vital para que el rally de la IA continúe. "Hay que mirar al principal índice tecnológico, el Nasdaq 100, y fijarse en los 26.180 enteros. Si se supera, tendremos continuidad de ese rally", señala. Por abajo, el soporte del Nasdaq se encuentra en los mínimos de noviembre, en los 23.850 puntos correspondientes a un ajuste del 23,6% de Fibonacci de todo el tramo iniciado desde los mínimos de abril, que si se pierde confirmaría que el principal selectivo tecnológico estaría perdiendo su media de 200 sesiones y confirmaría un patrón de giro bajista en forma de doble techo. "Si eso ocurre, sí tendríamos caídas mínimas de un 10%, y además ya conocen el dicho, sabemos cuándo empieza una corrección pero no cuándo termina" En Europa, el Eurostoxx 50 es el selectivo que más fortaleza ha mostrado en las últimas sesiones y no el soporte que debemos vigilar es el que presenta en los 5.800 puntos. "De hecho, se ha quedado pero lejos de ahí. Por tanto, de momento, Europa, quien tenga bolsa europea, tranquilidad y a seguir disfrutando", afirma Cabrero Tres valores a vigilar esta semanaThales y Rheinmetall -esta última, un zafiro azul- son los valores que más han destacado en la semana. Ambas, llevan meses consolidando posiciones de forma lateral. Cuando eso ocurre, hay que preguntarse cuál es la tendencia anterior a ese lateral y como en este caso es alcista, los manuales de análisis técnico apuntan a que lo más probable es que se resuelva a favor de la tendencia anterior. "Ahora mismo están en la mitad de los laterales. Podemos pensar que estamos en tierra de nadie, pero yo creo que con este riesgo geopolítico están más para comprar y dudo que puedan volver a mínimos del año. Nos guste o no nos guste, hay que tener en cartera compañías de defensa", afirma Cabrero. Otro de los valores más destacados por su comportamiento técnico en la semana es Alphabet, la matriz de Google, que ha corregido el 23,6% de Fibonacci de todo el rally de la IA que nació a comienzos de abril. Este rally llevó al título de los 141 a los 350 dólares -un alza del 150%-. "El primer soporte a vigilar en un valor alcista y fuerte como este se encuentra en los 300 dólares. Ahí, si no la tienen en cartera, iniciaría compras y si corrige el 38.2,% de FIbonacci, pongan órdenes de compra para aumentar posiciones, en los 271 dólares", señala.

In this episode Jenny and Scott chat about the end of the act.  Free Juicebox Community (non Facebook) Type 1 Diabetes Pro Tips - THE PODCAST Eversense CGM Medtronic Diabetes Tandem Mobi ** Use code JUICEBOX to save 40% at Cozy Earth  CONTOUR NextGen smart meter and CONTOUR DIABETES app Dexcom G7 Go tubeless with Omnipod 5 or Omnipod DASH * Get your supplies from US MED  or call 888-721-1514 Touched By Type 1 Take the T1DExchange survey Apple Podcasts> Subscribe to the podcast today! The podcast is available on Spotify, Google Play, iHeartRadio, Radio Public, Amazon Music and all Android devices The Juicebox Podcast is a free show, but if you'd like to support the podcast directly, you can make a gift here or buy me a coffee. Thank you! *The Pod has an IP28 rating for up to 25 feet for 60 minutes. The Omnipod 5 Controller is not waterproof.  ** t:slim X2 or Tandem Mobi w/ Control-IQ+ technology (7.9 or newer). RX ONLY. Indicated for patients with type 1 diabetes, 2 years and older. BOXED WARNING:Control-IQ+ technology should not be used by people under age 2, or who use less than 5 units of insulin/day, or who weigh less than 20 lbs. Safety info: tandemdiabetes.com/safetyinfo Disclaimer - Nothing you hear on the Juicebox Podcast or read on Arden's Day is intended as medical advice. You should always consult a physician before making changes to your health plan.  If the podcast has helped you to live better with type 1 please tell someone else how to find it!  

On today's Consumer Finance Monitor podcast, we are releasing an episode about a timely and wide-ranging discussion on one of the most significant and fastest-evolving developments in commercial finance: the rapid "consumerization" of small business lending law. In this episode, host Alan Kaplinsky welcomes Louis Caditz-Peck, Executive Director of the Responsible Business Lending Coalition (RBLC), for an in-depth conversation about the proliferation of state small business lending protection statutes, the policy debates driving them, and what they mean for lenders, fintechs, banks, and small business borrowers. From Self-Regulation to State Law: How We Got Here For decades, commercial lending operated under a fundamentally different regulatory framework than consumer credit. The prevailing assumption was that business borrowers were sophisticated, negotiated their transactions, and did not need standardized disclosures or suitability-type protections. That assumption has eroded. As Louis explains, since the financial crisis, and particularly with the growth of online and fintech lending, small business financing has changed dramatically. Community banks have pulled back. Non-bank online platforms have expanded. New products, including merchant cash advances and other revenue-based financing arrangements, have proliferated. At the same time, concerns have grown about: Opaque pricing structures Misleading "interest rate" representations Broker incentives that steer borrowers into higher-cost products Repeated refinancing of unaffordable obligations These concerns led to the development of the Small Business Borrower's Bill of Rights, a set of industry standards first launched in 2015 at the Aspen Institute by a coalition of lenders, small business groups, and nonprofit advocates. What began as a voluntary, self-regulatory effort quickly became a blueprint for legislation. California's SB 1235 in 2018 marked the first major small business truth-in-lending law. Since then, according to Louis, 19 small business financial protection laws have been enacted across multiple states, with California and New York leading the way. The "Consumerization" of Small Business Lending A central theme of the episode is whether we are witnessing the "consumerization" of small business lending. Many of the new state laws borrow heavily from consumer credit concepts, including: APR-style cost disclosures Total cost of financing disclosures Payment schedule requirements Prepayment and fee transparency Restrictions on certain contractual provisions Some states have layered on licensing or registration requirements for small business finance providers. Others incorporate or supplement state UDAP (unfair and deceptive acts and practices) standards, which may apply to certain business-to-business transactions as well as consumer transactions. The policy rationale is straightforward: many "Main Street" businesses are effectively sole proprietorships or closely-held operations without in-house finance or legal teams. Legislators increasingly view these borrowers as closer to consumers than to large corporations with treasury departments and inside or outside counsel. As Alan and Louis discuss, the regulatory shift raises serious operational and compliance challenges, particularly given the state-by-state patchwork of requirements. The Compliance Conundrum: Patchwork and Harmonization A recurring concern is whether the proliferation of state laws imposes disproportionate burdens on smaller lenders and startups, especially compared to large institutions with robust legal and compliance infrastructures. Louis emphasizes that RBLC has actively worked to promote interstate harmonization, particularly between California and New York. For example: Advocating for standardized disclosure forms that can be used in multiple states Aligning definitions and disclosure triggers Encouraging estimated APR calculations for revenue-based financing However, not all states have followed a harmonized approach. Some laws, particularly those focused narrowly on merchant cash advances, have created divergent requirements, complicating multi-state compliance. As Alan notes, the trend presents both risk and opportunity for lenders and their counsel. The regulatory environment is no longer static. Companies offering small business financing must assume that: Cost disclosures will likely be required in more states Registration or licensing may apply Enforcement risk—particularly under state UDAP statutes—will increase Section 1071 and Federal Uncertainty The episode also explores the role of the CFPB under Section 1071 of the Dodd-Frank Act, which requires data collection on small business lending to: 1.     Identify potential discrimination, and 2.     Assess whether certain markets are underserved. The CFPB finalized its 1071 rule in 2023 under then Director Rohit Chopra. Multiple legal challenges followed. Under the current administration, a notice of proposed rulemaking has sought to scale back and slow implementation. At the same time, the Federal Trade Commission has signaled an interest in using its enforcement authority to address unfair or deceptive acts or practices affecting small businesses—underscoring an intriguing tension within federal regulatory policy. As Louis observes, the debate is not simply about reducing or expanding government. It is about how government authority will be used and whether transparency and enforcement will be advanced through rulemaking, litigation, or state initiatives. Merchant Cash Advances and Revenue-Based Financing A particularly nuanced part of the discussion focuses on merchant cash advances (MCAs) and other sales-based financing products. These arrangements typically involve: An advance of funds in exchange for a fixed repayment amount Payments tied to a percentage of daily or periodic sales Variable duration depending on business performance RBLC's position, as Louis explains, is product neutral. The coalition does not advocate banning product categories or imposing rate caps. Instead, it focuses on responsible practices, including transparent pricing and assessment of ability to repay. Importantly, none of the major state lending protection laws impose interest rate caps. The emphasis is on disclosure and market transparency rather than price regulation. Who Is Covered—and Who Is Not? Most state small business truth-in-lending statutes apply to financing of $500,000 or less (with some variation, such as New York's $2.5 million threshold following gubernatorial revision). Coverage often includes: Closed-end loans Open-end lines of credit Sales-based financing/MCAs Factoring (in some states) Banks are generally exempt from these statutes, though non-bank "providers" presenting the offer of credit may still have disclosure obligations even in bank partnership models. As Alan highlights, this raises interesting competitive and policy questions about level playing fields across banks and non-banks. Looking Ahead to 2026 Both speakers agree: this trend is not going away. With significant percentages of small business owners reporting difficulty accessing affordable capital—and a substantial minority reporting harm from predatory practices—state legislators remain motivated to act. The key policy question is not whether regulation will expand, but how. Well-designed transparency frameworks can: Promote price competition Reward responsible innovation Improve borrower decision-making Poorly harmonized or overly rigid frameworks, however, risk increasing compliance costs and reducing credit availability. As Alan notes in his closing remarks, small business finance regulation is becoming a core area of growth for law firms and compliance professionals historically focused on consumer financial services. The line between consumer and commercial finance continues to blur.  Alan noted that the Consumer Financial Services Group which he founded and chaired for 25 years has counseled and represented small business lenders for decades. For lenders, fintechs, banks, and their advisors, understanding these developments is no longer optional—it is essential. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Is housing demand collapsing — or is something being overlooked? In this episode of The RE Source, we take a professional look at the latest sales data and separate headline reactions from structural realities. We break down why low transaction volume does not automatically equal falling prices, how today's supply conditions differ from past cycles, and what demographics, equity levels, and credit standards really signal for the market ahead. This isn't about panic or predictions. It's about understanding the difference between a transaction slowdown and a structural downturn — and how positioning now could matter when conditions shift. If you work in real estate or lending, this is essential context. ⭐ JOIN OUR COMMUNITY ⭐ Get the hottest and most up-to-date info in the Real Estate and lending industry! click the link to subscribe today ➡️ https://theREsource.tv/?utm_source=ytd 

Episode Summary Auditing your expenses can dramatically improve financial awareness, helping you identify money leaks and understand your true living costs. In this episode, the hosts present a structured four-step framework aimed at facilitating regular expense audits, which ideally should be conducted annually. The discussion includes practical strategies for tracking subscriptions, variable expenses, and distinguishing between required and discretionary spending. By adopting a calculated approach to expenses, you can effectively mitigate lifestyle creep while ensuring every dollar serves a purpose. Key Tactical Takeaways Conduct an Annual Expense Audit: Establish a routine to review expenses at least once a year to stay on top of spending habits and identify areas for improvement. Categorize Every Expense: Break down expenditures into necessary (fixed costs) and discretionary (variable costs) categories for clearer insights. Use a Value Matrix: Assess expenses based on their joy and necessity to inform which should be retained, reduced, or eliminated. Track Subscriptions and Variable Costs: Pay attention to recurring payments, particularly those related to entertainment and services like streaming or software. Calculate the Long-Term Impact of Small Savings: Remember that cutting small monthly expenses can significantly affect your financial independence number over time. Core Rules & Formulas Rule Explanation Annual Expense Audit Review all expenses once a year to prevent overspending and identify leaks. Categorization of Expenses Differentiate between Required (fixed) and Discretionary (variable) expenses. Value Matrix Implementation Organize spending into High Joy/ Low Joy and Essential/ Eliminate quadrants. Prioritize Necessary Expenses Always account for essential bills, including utilities, groceries, and housing costs. Evaluate Impact of Expenses Each $100 cut from monthly expenses reduces your FI number by $30,000 and if invested can generate $60,000 over time (20-year horizon). Tools, Accounts, or Strategies Mentioned Tool/Strategy Link/Description Expense Audit Spreadsheet Download here     Value Matrix Framework Framework for analyzing the necessity and joy of expenses. Resources & References ChooseFI Episode 009: Travel Rewards Framework Expense Audit Spreadsheet: Download What To Do Next Join the Expense Audit Challenge: Participate in the community challenge to gain insights and support while auditing your finances. Download Your Bank and Credit Card Statements: Begin your audit by gathering statements from the last few months. Categorize Your Expenses: Use the expense audit spreadsheet to identify necessary vs. discretionary spending. Reflect on Your Findings: After auditing, identify any hidden expenses or subscriptions that can be cut, and share insights with the community at choosefi.com/login. Conducting an Effective Expense Audit: A Step-by-Step Guide Understanding the Expense Audit Definition: An expense audit is a systematic review of your expenditures to identify unnecessary spending and money leaks. Goal: The aim is to clarify how much your life actually costs. Importance of Regular Expense Audits Frequency: Conduct an expense audit at least once a year to keep track of spending habits. Long-term Tracking: Monitor for lifestyle creep, which can happen gradually and affect your financial health over time. Action Steps to Begin Your Expense Audit Gather Financial Data: Download your recent bank and credit card statements (last 3 to 4 months). Check statements for variances and patterns in spending. Categorize Your Expenses: Separate them into categories such as housing, transportation, food, entertainment, and miscellaneous. Include all necessary and discretionary expenditures. Identifying Money Leaks Subscription Services: Track all recurring subscriptions and evaluate their necessity. Variable vs. Fixed Expenses: Distinguish between fixed permissible expenses (mortgage, insurance) and variable spendings (dining out, entertainment) to identify areas for improvement. Implementing a Value Matrix Categorization: Create a value matrix to differentiate between: High Joy (essential to happiness) Low Joy (non-essential) Essential (required for daily living) Eliminate (unnecessary expenses) Analyze Each Category: Assess each item in terms of value and joy to decide if it should remain in your budget.

The group finds a line on a job Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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

durée : 00:32:19 - Les Nuits de France Culture - par : Mathias Le Gargasson - Monogame ou polygame, fondé sur l'amour ou sur l'organisation sociale, le couple prend mille visages à travers les pays. Cette émission de 1957 interroge son universalité et révèle comment l'uniformisation du monde favorise peu à peu la monogamie. - réalisation : Emily Vallat - invités : Claude Lévi-Strauss Anthropologue et ethnologue français; Max-Pol Fouchet

Follow Madison: @madisoncicconeWork with Madison 1 x1: https://stan.store/MadisonCicconeMadison's Website: https://madisonciccone.com/Buy the Gratitude Journal on Amazon PrimeRide with her at SoulCycle in Boston

This week Chris takes us through some Faction Rounds. Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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 to today’s edition of the Farmer Rapid Fire on RealAg Radio, brought to you by Corteva Crop Protection. On today’s show, your host for the day, Lyndsey Smith, is joined by: Peggy Brekveld of Thunder Bay, Ont.; Jason Kehler of Carman, Man.; Phil Keddy of Woodville, N.S.; Jason Lenz of Bentley, Alta.; Corteva Agronomist... Read More

Welcome to today’s edition of the Farmer Rapid Fire on RealAg Radio, brought to you by Corteva Crop Protection. On today’s show, your host for the day, Lyndsey Smith, is joined by: Peggy Brekveld of Thunder Bay, Ont.; Jason Kehler of Carman, Man.; Phil Keddy of Woodville, N.S.; Jason Lenz of Bentley, Alta.; Corteva Agronomist... Read More

In this episode we answer questions from Ben, Todd, and Tom. We discuss how managed futures differ from momentum, differentiating Monte Carlo simulations and why you need to be careful with parameterized simulations, and flexible withdrawal strategies generally and applied to the sample portfolios.LInks:QMOM and DBMF comparison and correlations:  testfol.io/analysis?s=5lCK1KCsAsxMorningstar 2025 State of Retirement Income Report:  Morningstar State_of_Retirement_Income_2025.pdf - Google DrivePortfolio Charts Annual Returns Calculator:  Annual Returns – Portfolio ChartsBreathless Unedited AI-Bot Summary:Ever wondered why a momentum stock fund and a managed futures fund can look similar on the surface yet behave like opposites when markets lurch? We dig into the real differences between equity momentum strategies like QMOM and multi-asset trend programs like DBMF, explaining how managed futures trade across stocks, bonds, commodities, and currencies with the ability to go long and short. That breadth—and the discipline to follow trends over weeks to a year—creates low correlation to traditional portfolios and turns macro chaos into potential opportunity.From there, we tackle the Monte Carlo confusion that trips up even seasoned planners. We compare historical shuffles that preserve real-world co-movements with parameterized simulations that assume normal distributions and independence—two assumptions markets love to break. You'll hear why fat tails matter, how “impossible” scenarios sneak into naïve models, and where to find usable inputs without double-counting inflation. We also share a simple framework: use multiple calculators, add historical stress tests starting in rough windows like 1968 or 2000, and look for consistent results across tools before you trust any forecast.Finally, we turn to retirement withdrawals and the habits that actually hold up. Instead of rigid CPI bumps, we walk through constant-percentage withdrawals, guardrails, and the reality that retiree spending tends to run at CPI minus 1–2 percent outside healthcare. We highlight how flexible rules can raise sustainable withdrawal rates and why resilient portfolio design—think Golden Butterfly or Golden Ratio—can outperform a classic 60/40 under severe sequences. If you're ready to upgrade your plan with better diversification, better testing, and smarter spending rules, you'll leave with practical steps you can apply today.Enjoyed the conversation? Subscribe, leave a review, and share this episode with a friend who's serious about building a portfolio that survives bad markets. What testing change will you make this week?Support the show

In this episode of Talking Real Money, Don and Tom dig into the Washington State pension system's heavy exposure to private equity, sparked by Jason Zweig's Wall Street Journal reporting and a Seattle Times investigation. They explain why high fees, opaque valuations, and lack of liquidity make private equity especially dangerous for public retirement funds—and why Washington leads the nation in risk. The conversation expands to compare pension strategies across states, question governance and oversight, and warn retirees about the real-world consequences of excessive risk. Later, the hosts respond to a listener trapped in a high-fee, actively managed portfolio and variable annuity, illustrating how costs and complexity quietly erode wealth. The show wraps with practical retirement guidance inspired by Warren Buffett—simplify and protect—plus a discussion of converting mutual funds to ETFs for greater efficiency. 0:04 Show open, call-in invitation, and setup on private equity 0:32 Jason Zweig's WSJ reporting on private equity fees and markups 1:25 Washington State pension's heavy private equity exposure 3:23 Valuation and liquidity problems in private equity 4:35 Breakdown of WA pension assets (private equity + real estate) 5:18 Risks of market downturns and illiquidity 6:25 Who's overseeing the pension fund and their qualifications 7:06 Concerns for Washington retirees and contributors 8:28 Board “experts” and potential conflicts of interest 9:55 Difficulty exiting private equity investments 11:06 Questioning reported 12.3% returns vs public markets 11:59 Call for political accountability and reform 12:50 Comparison to states using mostly public index funds 13:35 Why private equity suffers most in downturns 14:22 Comparison of pension private equity exposure by state 15:58 Rebalancing and “emperor's clothes” concern 17:07 Caller Luke reacts to pension risks 18:11 Promotion of RetireMeet and retirement education 19:22 Warren Buffett's retirement advice: simplify and protect 20:28 Risk reduction and advisor role in retirement 21:26 Fiduciary standards and conflicts of interest 22:55 Emphasis on simple, protective portfolios 23:07 Caller Jane asks about high advisory fees 24:40 Discussion of “active management” risks 26:12 Review of proposed funds and red flags 29:57 Analysis of high-fee, high-turnover portfolio 30:57 Concentration and volatility concerns 32:16 Variable annuity warning signs 33:37 Commission conflicts and surrender charges 33:57 Recommendation to change advisors 34:56 Recap of excessive fees and risks 36:33 Importance of honest warnings vs future losses 37:48 Question on converting Vanguard mutual funds to ETFs 38:52 Advantages of ETFs: cost, tax efficiency, liquidity Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I chat with Gina Knox, a financial coach who helps small business owners craft strategic financial plans. She shares her journey from art school to QuickBooks to financial coaching, and dives into the unique financial challenges small businesses face and how to get better at managing your finances. Gina is on a mission to help business owners thrive financially, and I took so much goodness away from our conversation and I hope you do too!Guest Name: Gina KnoxGuest Website: ginaknox.coGuest Instagram: @ginaknoxPodcast: Small Business, Big MoneyProgram: Small Business Money Schoolhttps://ginaknoxco.thrivecart.com/money-school/partner/ - Affiliate linkLinks:The Design Minimind - My 1:1 coaching program for designersDownload my FREE Creative Direction Figma Template (includes 4 audio trainings as well)Get 30% off of your HoneyBook subscription - The CRM I use in my studio.*Enjoy 1 month of Showit FREE with my code “HelloJune” when you sign up.*Earn $100 after you run your first payroll with Gusto, my payroll and compliance software.*Get 50% off your first year of Flodesk, my email marketing software.**Some are affiliate links which means I may earn a commission.Connect With Us:Our Free Facebook CommunityOur WebsitePodcast InstagramHello June Creative InstagramThe Design MinimindJoin The Creative Diaries (my email list)Tags: designer, design, brand design, brand identity design, design studio, design business, graphic design, brand designer, better podcast, brand designer podcast, logo design

In this episode of Retire With Style, Alex and Wade discuss the nuances of the 4% rule and why it may be either too high or too low depending on factors such as inflation, portfolio diversification, market conditions, and individual circumstances. They explore how withdrawal rates work in practice, including the role of variable spending strategies and buffer assets in managing risk and improving retirement outcomes. The conversation emphasizes that determining an appropriate withdrawal rate requires a tailored approach rather than reliance on a single rule of thumb.   Takeaways The 4% rule may not be universally applicable due to varying international market conditions. Inflation significantly impacts withdrawal rates, especially in countries with hyperinflation. A longer retirement horizon may allow for higher withdrawal rates than the 4% rule suggests. Portfolio diversification can enhance returns and reduce volatility, potentially supporting higher withdrawal rates. Variable spending strategies can provide flexibility and adaptability in retirement income planning. Buffer assets can protect against market downturns and provide liquidity during retirement. Optimal withdrawal rates may exceed the 4% rule under certain conditions, allowing for a more comfortable lifestyle. Understanding the dynamics of withdrawal rates is crucial for effective retirement planning. The psychological aspect of spending and investing plays a significant role in retirement success. Tailoring withdrawal strategies to individual circumstances can lead to better financial outcomes. Chapters 00:00 The Impact of Taxes and Time Horizon on Withdrawal Rates 09:08 The 4% Rule and Portfolio Diversification 18:02 Variable Spending Strategies in Retirement 20:18 Buffer Assets and Their Role in Retirement 23:22 Optimal Withdrawal Rates and Annuities 24:35 Understanding Annuities and Their Role in Retirement Links

Plans have changed... Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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

From Fed nominees to overall risk-tolerances, the macro picture is changing rapidly. A new approach to fixed income tools could smooth out what is likely to be a volatile 2026. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week on Saturday Sit‑Down, Saturday Mornings Show host Glenn van Zutphen and co-host Neil Humphreys are joined by Barrett Bingley, Asia Regional Director at the Asia Pacific Foundation of Canada, to unpack the global implications of Prime Minister Mark Carney’s striking address at the World Economic Forum in Davos. Carney declared that the post‑Cold War rules‑based order is no longer functioning as intended—and that middle powers can no longer depend on legacy alliances for economic security or geopolitical stability. Barrett explains why Carney’s call for “variable geometry”—more flexible, pragmatic cooperation among like‑minded countries—resonates deeply across Asia. For economies such as Singapore, Japan, South Korea, and key ASEAN states, the challenge is clear: navigate intensifying great‑power rivalry while maintaining strategic autonomy, economic openness, and diversified partnerships. We explore what this shifting world order means for Indo‑Pacific businesses, from supply‑chain resilience to new investment corridors. Barrett also outlines how Canada is backing its rhetoric with action, from Indo‑Pacific strategy funding to deeper engagement with regional partners in technology, clean energy, and security cooperation.See omnystudio.com/listener for privacy information.

What if we could pause biological time to wait for a cure for a disease? Thanks to innovations and research in reversible cryopreservation, this possibility is no longer just science fiction. Sarah Guo sits down with Laura Deming, CEO and co-founder of biotech startup Until, to dive deep into the growing field of reversible cryopreservation. Laura talks about how her time as a Thiel Fellow as well as her founding of the Longevity Fund fueled her obsession with solving the “social blindspot” of aging. Laura details how her new startup, Until, seeks to build tools that allow for “pressing pause” on biological time, starting with human organs with the hopes of scaling up to full body medical hibernation. Together, they also discuss why ice is the enemy of tissue, using engineering tools to help solve biological problems, and how this technology may revolutionize organ transplantation by removing time as a variable.  Sign up for new podcasts every week. Email feedback to show@no-priors.com Follow us on Twitter: @NoPriorsPod | @Saranormous | @EladGil | @LauraDeming | @untillabs  Chapters: 00:00 – Cold Open 01:08 – Laura Deming Introduction 01:53 – Why Laura Focused on Cryo Preservation and Longevity 06:20 – Bringing on Co-Founder Hunter Davis 07:55 – Until's Goal 10:10 – Other Use Cases for Cryo Technology 12:22 – Scientific Challenges in Cryo Tech 15:36 – Using Engineering Principles to Solve Biological Problems 20:18 – Scaling Up Cryo Preservation 21:48 – Leading and Recruiting at Until 25:02 – Why Hasn't Cryo Tech Been Worked On More? 27:14 – Making Time Not a Variable in Organ Transplants  29:06 – Changing How the Molecular World is Depicted 30:47 – Conclusion

Brands are currently caught between two realities: the pretty strategy deck and the real world where attention is the currency. Gary Vaynerchuk, CEO of VaynerMedia joins Josh Spanier, VP of AI & Marketing Strategy at Google to discuss why traditional brand models are failing and which channels remain the C-suite's most misunderstood growth levers. Gary argues the bottleneck isn't media—it's creative slowed by excessive approvals and organizations built for campaigns rather than culture. To win, brands must collapse the walls between media and production, treating social as a daily operating system. This is a candid conversation for any leader ready to bridge the gap between boardroom theory and real-world business results. 00:00 — Creative vs. Media: What Actually Drives Results 01:38 — Practicing in the Trenches, Not the Decks 02:38 — The Real Role of the CMO in 2025–2026 03:51 — Performance vs. Brand CMOs: Why Both Miss the Mark 05:13 — “Day Trading Attention” and Measuring Real Outcomes 07:28 — Creative Is the Variable of Success 09:49 — LinkedIn Is the B2B World's TikTok 11:21 — Relevance at Scale Beats “Matching Luggage” 13:49 — Why Production, Creative & Media Must Merge 15:05 — Who Wins in an AI-Powered Marketing World 18:42 — Rebuilding an Agency for the AI Era 21:06 — Brand Means Different Things to Different People 26:07 — How to Pitch Marketing to the CFO 30:41 — Rapid-Fire: Metrics, Media & Buzzwords 32:05 — Field Notes from the Frontier

Direct To Print Aligners,Will It Change Clear Aligner Therapy? 8 MINUTE SUMMARY In this episode, I review direct-to-print alignersand how the material offers potential biomechanical advantages through itsmaterial properties when compared with conventional thermoplastic aligners. Theunique feature of force recovery of the material and current emerging evidence.The episode also explores the current limitations of the evidence base anddiscusses why, despite theoretical advantages, direct-to-print aligners havenot yet entered routine clinical practice. This podcast is based on a recent lectureby Jean-Marc Retrouvey. Timestamp00:27 – What are direct-to-print aligners?01:10 – How do direct-to-print aligners deliver force?02:39 – Push and pull forces and adaptation03:58 – Reactivation with heat, unique force recovery05:09 – Variable aligner thickness07:08 – Why haven't direct-to-print aligners changed aligner therapy yet?  Material photopolymer resins  Force delivery – Push and Pull Engage with undercuts not possible with thermoformedalignerso  Deliver forces to areas seen as non-engagedsurfaces§ Non-engaged surface – greater displacement thanTFA (Hertan 2022) Force delivery – Adaptation·     Closer adaptation 20-30% more accurate 30um or 0.03mm (48 um Graphy Zendura, Essix Ace and DPA Koenig2022). ·     Uniform thickness                                                                                            i.        TFA Non-uniform thickness – due thermal process, thinner areasend of aligner                                                                                          ii.        TFA sharp distribution around attachment / transition Force delivery material properties ·     TFA Stress relaxation – Reduce force with time,12 hours reduce 60%, DPA reduce to around 50%, but with recovery increase to75% Xu 2025                                                                                             i.        Moment to force ratio more sustained for bodilymovement, in vitro study  ·     Thickness customisationo  Creating a force couple: 0.8 labial, Vs 0.5mmlingual , creating moment within the aligner   Direct to Print Aligners 2 types: Shape memory Vs Activememory·      Similarclaims:1.       Re-activate force recovery through heating inwater reactivation and reverse stress relaxation and creep2.       Customise thickness, trimlines and auxiliaries3.       Less attachments4.       Speed of printing aligner 5.       Less wastage ·      Shapememory: Graphy 20191.       Transition temperature – low 45 degrees, from30-45 degrees = increase temperature = reduce force. Re-activates inside themouth to maintain properties. Choi 2025 ·      Activememory LuxCreo 2022 1.       Transition temperature – high 60 degrees =maintain elasticity2.       Re-activated with warm water  = restores mechanical properties  Challenges: 1.       Little clinical research to support biomechanicalsuperiority2.       Loss of force from insertion Xu 2025 50% in 12hours3.       Effectiveness seems camparable for mild to moderatecases: a.       PAR change DPA 86%, refinement of 40% VanessaKnode 2025, b.       PAR change TFA 88.9% Jaber 2022, refinement of 70-94%Ladewig 2005, Kravitz 2023   See Jean-Marc Retrouvey's lecture in full: https://www.youtube.com/watch?v=j7fJmxgXHqU Previous podcast on Direct To Print Aligners February2024https://orthoinsummary.com/direct-to-print-aligners-are-they-really-different-to-normal-aligners-8-minute-summary/ #aligneronorthodontics#directtoprint#orthodontics#orthodonticsinsummary#Farooqahmed#Orthodontics#Luxcreo#graphy#clearalignertherapy   

In this conversation, Wade discusses the essential financial goals of retirement, encapsulated in the concept of the four L's: longevity, lifestyle, legacy, and liquidity. He emphasizes the importance of assessing financial preparedness through the funded ratio, which compares assets to liabilities. The discussion also covers safe withdrawal rates, suggesting a rate of 4.5% based on the funded ratio approach. Finally, Wade highlights the significance of implementing variable spending strategies to enhance retirement enjoyment and financial security.   Takeaways The four L's of retirement are longevity, lifestyle, legacy, and liquidity. Longevity refers to essential expenses that must be covered regardless of lifespan. Lifestyle expenses are discretionary and enhance quality of life in retirement. Legacy goals involve what one wishes to leave for the next generation. Liquidity is crucial for managing unexpected expenses in retirement. The funded ratio helps assess financial preparedness for retirement. A funded ratio of 100% or higher indicates being on track for retirement. The safe withdrawal rate based on the funded ratio is 4.5%. Variable spending strategies can allow for higher initial withdrawal rates. The funded ratio approach provides more confidence in spending during retirement. Chapters 00:00 The Four L's of Retirement Goals 06:57 Assessing Financial Preparedness for Retirement 16:27 Understanding Monte Carlo Simulations in Retirement Planning 19:52 The Safe Withdrawal Rate: A Critical Discussion 24:02 Variable Spending Strategies in Retirement 28:05 The Impact of Taxes and Time Horizon on Withdrawal Rates   Links

Dr. Emile Daoud, Deputy Editor of JACC Clinical Electrophysiology discusses Cerebrovascular Ischemic Lesions After Pulsed Field Ablation for Atrial Fibrillation Using Variable-Loop Ablation Catheter.

Everything Changes Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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

Bart continues his review of a recent "soft" $2/5 daytime NL game and examines hands he varies his bet sizing based upon his opponent.

Aujourd'hui, Fatima Aït Bounoua, prof de français, Bruno Poncet, cheminot, et Antoine Diers, consultant, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

We have company, but what are their motives? Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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

More and more high-income Canadians are finding themselves under financial pressure. Doug Hoyes and Ted Michalos examine the shift they are seeing firsthand and challenge some common assumptions about who struggles with debt. They discuss how rising costs, borrowing capacity, and income complexity can quietly change financial outcomes, even for people who appear financially secure. Subscribe to the Debt Free Digest Newsletter Here – Don't Miss the Chance to Win a Copy of The Wealthy Barber Book! CPI Data Statistics Canada Debt Free in 30: What's Breaking Canadian Consumers' Budgets? Need Help with Debt?                                                    If debt is keeping you up at night, you don't have to endure forever. Start here! Free Budgeting Workbook – Hoyes Michalos  Debt Relief Calculator  01:10 – The myth of the "typical" insolvency filer 05:10 – Rising share of higher-income insolvency filings 07:20 – Inflation and rising living costs 09:40 – Housing costs, mortgages, and payment shock 12:00 – Lifestyle creep and fixed-cost stacking 14:30 – Variable income vs fixed monthly obligations 16:40 – Easy access to credit and leverage loops 21:30 – High income vs real cash-flow health 23:40 – When refinancing and balance transfers fail 27:20 – Practical next steps for high earners in trouble 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.

In this episode, we explore what it means to grant legal rights and who ultimately bears the cost when governments expand them, starting with Peru's decision to recognize rights for stingless bees and moving into a broader discussion of negative versus positive rights. We examine labor shortages in skilled trades, the unintended consequences of vacancy taxes, and common misunderstandings about loans, insurance, and debt. The conversation then turns to credit scores, interest rates, student loans, and moral hazard, including how incentives shape borrowing behavior and higher education choices. Along the way, we connect financial systems to risk pooling and insurance logic, highlighting how policy decisions, incentives, and individual responsibility intersect in everyday economic life. 00:00 Introduction and Overview 00:29 Peru Grants Legal Rights to Stingless Bees 02:40 Negative vs Positive Rights and Who Pays 05:34 Peanut Butter, Welfare Logic, and the Road to Coercion 09:39 Ford Can't Find Mechanics and the Skilled-Trade Shortage 13:02 Seattle's Vacancy Tax and Unintended Consequences 18:33 Why People Misunderstand Loans and “Insurance” 19:58 Variable vs Fixed Rates and Paying Debt Early 22:27 Student Loans, Taxpayer Backstops, and Moral Hazard 24:58 Default, Walking Away, and Real Consequences 28:01 College Incentives: Engineering vs Liberal Arts 30:08 What a Credit Score Measures and Misses 31:29 Credit Utilization and Multiple Cards 33:56 Hard Inquiries, Store Cards, and Credit Score Hits 38:59 Interest, Mortgages, and Paying for Time 42:47 Why the Financial System Works Like Insurance 43:39 Sports Picks and Wrap-Up Learn more about your ad choices. Visit podcastchoices.com/adchoices

STRAP IN, we're still talkin' time travel. Join your hosts David, Cara, and Robert as they continue their LOST 20 year retrospective, now in season 5 with episodes 5x12, "Dead is Dead;" 5x13, "Some Like it Hoth;" and 5x14, "The Variable."You can check out some of our older episodes on our YouTube channel: https://www.youtube.com/playlist?list=PL-dpEKWvhcZoQ4PLu1HfUg-KXfWwrtnklYou can also check out more of Long Walk Productions' original content here: https://www.youtube.com/channel/UCVrMG74aomWR_WQs7yYT6_g

A new job bring big surprises Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! 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

Dr. Jack Cush reviews the news, announcements and journal articles from this past week on RheumNow.com.  More on Variable bendability, a better way to treat RA, and a novel advance for GLP1a in PsA; and 2026 Resolutions!

In this short podcast, Bryan answers a question submitted to HVAC School by an aspiring licensed architect who wanted to learn more about the many different types of HVAC systems. The three main buckets of HVAC systems are air-to-air, water-source, and air-to-water. Air-to-air systems move air around to remove heat from one space, and that heat is rejected to the air somewhere else. Water-source systems move water around the building and use water as the heat rejection medium. Air-water hybrid systems condition the load with water and may use air for ventilation; water or air may be used as the rejection medium. Systems may be direct-exchange (DX) and may transfer heat directly to refrigerant, or they may flow the air or water over a coil with water or glycol, utilizing a secondary fluid. Systems may also have separate indoor and outdoor architecture (split systems), or all components may be rolled into a single box (package unit). Package units include window units, PTACs, and RTUs. When it comes to forced-air systems, constant air volume (CAV) systems maintain the same volume of airflow (though the temperatures will change). Variable air volume (VAV) systems use one stream of cold air in a main duct, and each zone has a VAV box that functions as a damper to control zones individually. Dual duct systems have one cold duct and one warm duct that run parallel to each other and mix at each zone. Packaged rooftop units (RTUs) are self-contained with ducts that run down into the space and are common in retail spaces. Air-to-water systems use fan coil units (FCUs) fed with chilled or hot water. Air moves locally inside the space, so there is less ductwork and good zone control, but there are many units to manage. Chillers make chilled water, and that water is pumped around the building and sent to individual air handler units (AHUs). These are highly efficient and have large amounts of piping. They need mechanical rooms and dedicated personnel to maintain them. Variable refrigerant flow (VRF) systems are DX systems that are becoming more popular and consist of multiple indoor units with one or more outdoor units. Some of these can be used for heat recovery, meaning one space can be cooled while another is heated. Heat pump types include air-source, water-source, and ground-source. Air-source heat pumps absorb heat from the air via one unit and reject it via the other; the outdoor and indoor units can swap functions. Water-source heat pumps are common in commercial applications and have multiple heat pumps tied into a water loop that tries to stay within a given temperature range via boilers and cooling towers. Ground-source or geothermal heat pumps pick up heat from the earth's stable temperature and are highly efficient, but they have high installation costs. Passive systems come in all sorts of varieties and reduce the HVAC system's loads but don't replace HVAC systems in North America. Mechanical systems consist of straight-cool (air conditioner with electric heat), furnaces (gas, propane, or oil combustion), or heat pump (reversible air conditioners) systems.   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

This episode of Maximize Your Hunt, features a discussion on effective land management strategies for hunting properties, focusing on logging, tree management, and the integration of livestock. Host Jon Teater and guest Taylor Henry (Acres USA) explore the principles of regenerative agriculture, soil health, and the benefits of cover cropping. They also discuss the role of government in supporting regenerative practices and the importance of patience and mindset shifts for sustainable farming. takeaways Understanding the aftermath of logging is crucial for land management. Variable thinning is a key strategy for timber management. Acres USA focuses on ecological organic regenerative agriculture. Gabe Brown's practices demonstrate the benefits of cover cropping. Integrating livestock can enhance land management and soil health. Bale grazing can significantly improve soil fertility. Government funding for regenerative agriculture is a positive step, but caution is needed. Patience is essential for successful land management practices. Sustainable practices can lead to economic success in farming. Mindset shifts are necessary for adopting regenerative agriculture.   Social Links https://www.acresusa.com/ https://podcasts.apple.com/us/podcast/the-acres-u-s-a-podcast/id1747339811 https://www.youtube.com/user/AcresUSAvideos https://whitetaillandscapes.com/ https://www.facebook.com/whitetaillandscapes/ https://www.instagram.com/whitetail_landscapes/?hl=en Learn more about your ad choices. Visit megaphone.fm/adchoices