Podcasts about Variable

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

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

Los inversores pueden mantener la calma de momento mientras las bolsas sigan consolidando las últimas y fuertes subidas sin perder los primeros soportes, como ha pasado esta semana. De momento, habría que esperar a que eso sucediese y viniese una corrección mayor para pensar en elevar exposición a bolsa con tendencia de largo plazo. 

Vi har seglat i Karibien samt unnat oss massor av gamla spel som legat i backloggen. Vill du stötta oss och ta del av vårt exklusiva content så bli Patreon! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon.com/gotypodden⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Joina oss på Discord!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(00:00) FÖRSNACK (03:41) Nyheter: Xbox in trouble, Steam Machine priset(24:34) Spel: Star Fox, The Adventures of Elliot: The Millenium Tales, Solateria, Control I'm Not Coming Back, Lumentale: Memories of Trey, Luna Abyss, 1666: Amsterdam, Creature Kitchen, Zelda: twilight Princess (PC), Hellblade, Final Fantasy XII, Assassin's Creed Black Flag Resynced(1:23:59) Future tech: Vi har testat Razer Hammerhead V3 Hyperspeed Gaming Earbud Feedback, tips eller eventuella frågor får gärna skickas till gotypodden@gmail.com, på ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ eller på ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ @gotypodden. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GOTY-merch i vår ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠merchbutik!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vill ni höra eller se mer av oss finns våra andra poddar och vår Youtube-kanal i ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vårt ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠länkträd⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!⁠⁠⁠

Most of what competes for your attention today isn't winning on the strength of its ideas — it's winning on the strength of its engineering. Apps built on variable reward, infinite scroll, and algorithmic feeds are designed to keep you holding them, not to serve you and let you put them down. In this solo episode, Brett Ingram traces how that design shapes a life one unnoticed moment at a time, and offers a way back to it that isn't another productivity system: noticing where your attention actually goes, and choosing more often than not. What You'll Learn in This Episode The real difference between a tool you pick up and a system built to keep you holding it — and why that distinction is a business model, not a conspiracy theory How "variable reward" (the psychology behind slot machines and the pull-to-refresh gesture) keeps you scrolling even when you don't expect to find anything Why a life is never stolen all at once — it's surrendered in increments too small to notice, remember, or regret What "attention residue" is, and why switching tasks leaves part of your mind working on the thing you left behind Why clock time and lived time aren't the same thing, and what the research says about how often minds wander — and what that costs in happiness The difference between rumination and genuine reflection, and why they can look identical from the outside A single 24-hour practice for starting to reclaim attention, with no apps deleted and no digital detox required Episode Timestamps [00:00] Cold open — the question almost no one can answer [01:00] What the attention economy actually sells [02:30] Variable reward — the psychology behind the pull-to-refresh [04:30] The small fragments that quietly become a life [07:30] Attention residue and what constant capture does to your inner life [11:00] Attention as the real unit of time [14:30] Reclaiming attention without turning it into another performance [18:00] Closing synthesis and the one practice to try today Episode Summary There's a difference between a tool you pick up and a system built to keep you holding it. A hammer doesn't care whether you put it down. A lot of the platforms on your phone are designed, quite deliberately, to care very much — and that's not a conspiracy theory, it's a business model. For a huge share of the digital products people use every day, the actual customer isn't the user, it's the advertiser. What's being sold isn't a product or a service — it's attention, harvested, measured, and resold. That framing, drawn from Tim Wu's book The Attention Merchants, is the starting point for this episode: not a takedown of any single company, but an honest look at what happens to a life when other people and other systems get to keep deciding, moment after moment, what enters your awareness. The mechanism at the center of it is called variable reward. Decades ago, psychologist B.F. Skinner found that a reward arriving on an unpredictable schedule is far more compelling than one arriving on a predictable one — an animal or a person pulling a lever for an uncertain payout will pull it more, and stop less, than one working for a reward it can count on. That's the same mechanism behind a slot machine, and it's the same mechanism behind pull-to-refresh: you don't know if the next scroll holds something interesting, and that's exactly why you keep scrolling. Brett draws a parallel to something a dog trainer once told him — the "jackpot mechanism," where varying the size of a reward (one treat, one treat, then suddenly a handful) keeps a dog working harder than a consistent reward ever would. Feeds run on the same principle, minus the treats. None of this makes the design automatically sinister — plenty of genuinely useful tools use similar hooks, and companies vary widely in how aggressively they lean on it. But the deeper issue isn't that these tools exist; it's that very few people ever agreed, out loud, to the terms. And the cost shows up in pieces too small to register as losses: checking a phone without deciding to, reaching for stimulation before a thought can finish forming, being physically present somewhere while mentally somewhere else entirely. "A life is not stolen all at once," Brett says. "It's surrendered in tiny, forgettable increments — and forgettable is the operative word, because you can't grieve what you don't remember losing." He points to The Truman Show, where Christof's line — "We accept the reality of the world with which we're presented, it's as simple as that" — captures the idea exactly, and to Idiocracy as an exaggerated but uncomfortably familiar picture of what happens when everything is delivered and nothing requires effort. The episode's second half turns inward, connecting attention to what your inner life actually needs to function. Researcher Sophie Leroy's concept of "attention residue" shows that switching away from an unfinished task leaves part of the mind working on it in the background, so the next task gets a smaller, more distracted version of your attention than it otherwise would. Separate research on workplace interruptions found that refocusing after a disruption can take considerably longer than the disruption itself. And a widely cited real-time study by Killingsworth and Gilbert found that people's minds wander nearly half of the time — and that mind-wandering, regardless of the activity, was associated with lower happiness than simply being present with whatever was actually in front of them. That's the reframe at the center of the episode: clock time and lived time aren't the same thing. You can technically possess an hour and never inhabit it. Attention management asks a different question than time management — not "how do I fit more in," but "where am I, actually, when I'm here?" Rather than prescribing a digital detox or a five-step system, Brett offers a different orientation: notice before restricting, learn to name the difference between chosen and captured attention, protect small transitions in the day, and treat boredom as something to tolerate rather than immediately fill. The practice he leaves listeners with is deliberately small — pick one ordinary moment of waiting in the next 24 hours and let it be boring, just to prove you can survive an unfilled minute. As he puts it near the close: "Your attention is the only material your life is actually made of. Everything else is just what you built with it." Resources Mentioned The Attention Merchants: The Epic Scramble to Get Inside Our Heads — Tim Wu's history of the attention-economy business model, from 19th-century newspapers through modern platforms — Publisher page Schedules of Reinforcement — Charles B. Ferster and B.F. Skinner's foundational research on variable-ratio reinforcement and behavior — Background reading "Why is it so hard to do my work? The challenge of attention residue when switching between work tasks" — Sophie Leroy, Organizational Behavior and Human Decision Processes, 2009 — ScienceDirect "The Cost of Interrupted Work: More Speed and Stress" — Gloria Mark, Daniela Gudith, and Ulrich Klocke, UC Irvine, CHI '08 — Full paper (PDF) "A Wandering Mind Is an Unhappy Mind" — Matthew A. Killingsworth and Daniel T. Gilbert, Science, 2010 — Study The Truman Show (1998) — Referenced for Christof's line on accepting a manufactured reality Idiocracy (2006) — Referenced as an exaggerated picture of a world where everything is delivered and nothing requires effort Frequently Asked Questions What is the attention economy? The attention economy is the business model behind most free digital products: rather than the user being the customer, the user's attention is the product, harvested and sold to advertisers. It explains why so many apps are engineered to maximize time-on-platform rather than simply being useful and letting you move on. What is "variable reward" and why does it make apps so hard to put down? Variable reward is a psychological principle, first documented by B.F. Skinner, showing that rewards on an unpredictable schedule drive far more persistent behavior than rewards on a predictable one. It's the same mechanism behind a slot machine, and it's built into features like pull-to-refresh and algorithmic feeds — you keep scrolling because you don't know if the next scroll holds something interesting. What is attention residue? Attention residue, a concept from researcher Sophie Leroy, describes how part of your focus stays behind on a task you've switched away from, especially if it was left unfinished. That means the next task gets a smaller, more distracted share of your attention than it would have otherwise — and the effect compounds every time attention gets pulled and pulled back throughout a day. Does mind-wandering actually make people less happy? Research by Killingsworth and Gilbert, tracking people in real time throughout their days, found minds wandered in nearly half of sampled moments — and that mind-wandering was associated with lower reported happiness than staying present with whatever activity was actually happening, even when that activity was mundane. It's a correlational finding, but it's a strong one. Do I need to do a digital detox to fix this? No. The episode explicitly pushes back on delete-the-apps, get-a-flip-phone solutions, arguing that a structural, cultural problem can't be solved through sheer personal discipline alone. The approach offered instead is about noticing where attention defaults to, naming the difference between chosen and captured attention, and making small environmental changes — not achieving perfect, monk-like focus. What's the difference between rumination and genuine reflection? They can look identical from the outside, but they function very differently. Rumination is a stuck loop of worry that replays without resolving anything. Genuine reflection is structured, curious attention toward your own experience aimed at actually processing something and reaching a conclusion. What's one thing I can do today to start reclaiming my attention? Pick one ordinary moment of waiting in the next 24 hours — a red light, a line, the kettle boiling — and let it be boring. Don't reach for anything to fill it. The exercise is deliberately small: it's not about fixing your entire relationship with attention at once, just proving to yourself that you can survive an unfilled minute. Keep Exploring If this episode resonated, these are worth your time: Mind & Inner Life — Goes deeper into self-knowledge, emotional intelligence, and the difference between rumination and genuine reflection touched on in this episode → optyoumize.com/mind-inner-life Time, Rhythm & Rest — Where "attention as the real unit of time" gets its fullest treatment, along with a framework for rest and rhythm → optyoumize.com/time-rhythm-rest Life Architecture — For designing a life around what actually matters, rather than defaulting to whatever captures your attention first → optyoumize.com/life-architecture Enjoyed This Episode? The best way to support optYOUmize is to subscribe and leave a review — it takes about two minutes and makes a real difference in helping more people find the show. 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Este episodio cuenta con la colaboración de HOLDEDLa bolsa continuó con su consolidación en la última semana. La tensión en Oriente Medio provocó la caída de los principales índices bursátiles que, sin embargo, no llegaron a perder sus primeros soportes clave. A pesar de la volatilidad del mercado y el ruido alrededor de los acontecimientos alrededor de EEUU e Irán, la realidad es que índices como el Nasdaq 100 o el EuroStoxx 50 siguen en modo pausa tras haber marcado sus últimos máximos históricos. Es decir, se mantiene viva la tendencia alcista.

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

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

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

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

Choosing between a fixed and variable mortgage is one of the biggest financial decisions you'll make as a first-time home buyer, and it's about more than just getting the lowest rate. Today on the podcast, I break down how each option works, what it could mean for your budget, and how to choose the best fit for your long-term goals and changing interest rates. As always, my goal is to help you understand your options so you can make a confident decision that supports your homeownership journey.What you'll hear today:How fixed mortgage rates and variable mortgage rates are determined in Canada and what causes them to changeThe pros and cons of a fixed versus variable mortgage for first-time home buyers in OntarioHow interest rate changes can affect your monthly mortgage payment, cash flow, and long-term financial planWhat mortgage penalties look like if you need to refinance, sell your home, or break your mortgage before the end of your termWhen it makes sense to choose a fixed rate for payment stability versus a variable rate for greater flexibilityWhat to know before switching from a variable mortgage to a fixed mortgage, or vice versa, during your mortgage termIf you found this episode helpful, please leave a like and share with me any questions you'd like me to answer in future episodes. For those of you who are ready to create a mortgage strategy that works for your goals, book a free call with me and let's get you a step closer to being a homeowner. I'll see you next time.Specific Questions?  Ready to get started?Book a free call with Brianna: www.Bricallme.comJoin my mailing list: https://briannagoslinmortgages.myflodesk.com/mortgagebitesWebsite: http://www.briannagoslinmortgages.comInstagram: https://www.instagram.com/briannagoslinmortgagesFacebook: https://www.facebook.com/brianna.goslin.mortgagesLinkedIn: https://www.linkedin.com/in/briannagoslinmortgages

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

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

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

El mercado ha entrado en modo pausa. Los principales índices bursátiles están dentro de una fase de consolidación de las útimas subidas que no son, por el momento, un signo de debilidad. El mejor ejemplo está en Wall Street. El Nasdaq 100, índice tecnológico que tutela las subidas de toda la bolsa estos días, está mostrando ganas de dar continuidad al rally que nació en abril. Es un patrón similar al visto en abril del año pasado, tras la crisis arancelaria el 2025. Por aquel entonces, el índice tecnológico de EEUU sumó un 20%. Es decir, el potencial de subida actual persigue ese mismo 20% adicional.

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

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

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

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

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

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

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

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

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

Jahrelang konnte PLAIER messen, wie stark ein Kader ist. Aber nicht, was der Trainer daraus macht. Genau das hat sich geändert. PLAIER-CEO Jan Wendt erklärt, wie sie die letzte große Variable im Fußball geknackt haben – und jetzt in Punkten messen können, wie viel ein Trainer seinem Team bringt oder kostet.Im Gespräch unter anderem: Warum fast jeder Trainer von Jahr zu Jahr schlechter wird – und was das für Kovač und Dortmund nächste Saison bedeutetWarum frühe Trainerentlassungen (Ole Werner, Leverkusen) der neue Normalzustand werdenDer Transfer-Schock: nur ~38 % aller Transfers in den Top-5-Ligen helfen wirklichAußerdem die Community-Fragen: Cristiano Ronaldo vs. Messi (und warum der GOAT für Jan keine Diskussion ist), das Talent-Versprechen rund um Florian Wirtz – und warum „erst Erfolg, dann teure Transfers" die einzige Regel ist, die zählt.

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

Using vibrational analysis tools that can sense wear, imbalance, noise or harmonics can help identify machinery issues prior to failure. This allows for correcting those issues at a more convenient time, such as scheduled downtime, and avoid costly catastrophic failure. In this episode of Control Intelligence, editor in chief Mike Bacidore shares how variable-frequency drives can be used for physical-asset condition monitoring.

Tous les matins dans Europe 1 Bonjour, Laurent Tessier revient sur le meilleur de l'émission de Pascal Praud et vous de la veille et vous livre en avant-première les sujets sur lesquels vous pourrez réagir en direct entre 11h et 13h.Vous voulez réagir ? Appelez-le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur grandes thématiques développées dans l'émission du jour.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

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

¿Y si la paz no dependiera de la política ni de la economía?Todos hablan de guerras, acuerdos, poder y geopolítica.Pero existe una variable mucho más profunda que casi nadie analiza: la cosmovisión.En este episodo, conversamos con Mikaela Ponce, autora de una investigación presentada en ámbitos internacionales, sobre cómo las creencias, valores y formas de interpretar la realidad influyen en la cooperación, los conflictos y el futuro de las relaciones humanas.

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

If you're in your 80s or 90s or caring for someone who is, this episode breaks down no-BS annuity strategies that actually make sense. Discover how to protect principal, strip out excessive fees, and set up simple, contractual income or legacy plans without getting sold a "whiz-bang" product.    In this episode, The Annuity Man discussed:  Annuity suitability for people in their 80s and 90s Why complex annuities (indexed, variable, RILAs) are often inappropriate Using 1035 transfers to move into MIGAs Designing legacy and income strategies with period-certain annuities Evaluating existing riders and avoiding bad sales practices   Key Takeaways:  At advanced ages, annuity planning should focus on principal protection and/or guaranteed income, not chasing hypothetical market upside. Variable and indexed annuities with high annual fees often need to be reevaluated and potentially moved into simpler, no-fee structures. A non-taxable 1035 transfer can reposition existing annuities into multi-year guaranteed annuities to lock in gains and eliminate market risk. Period-certain immediate annuities can extend income and spread out tax liability, even if the owner doesn't live through the full payment term. Before moving any contract, it's critical to analyze existing income and death-benefit riders to ensure valuable guarantees aren't left on the table.   "You've already won the game. Don't play anymore." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

For MindTrip Podcast 116, label head Pfirter introduces Franco Rossi, an Argentine producer originally from Córdoba and currently based in Barcelona, Spain. Rossi's signature sound sits at the exact intersection of deep, hypnotic techno and careful sound design, a style shaped over years of hard work across the South American and European underground circuits. Following the success of his debut Cenit EP on MindTrip last year, he returns to the imprint this summer for his second release. This exclusive podcast mix highlights that signature progression, bookended by his own unreleased cuts while seamlessly weaving in heavy-hitting tracks from cutting-edge labels like Semantica, Mord, Nachtstrom Schallplatten, and MindTrip itself. This is MindTrip! 01.Franco Rossi - intro id 02.Andre Luki - Flying Simulator [ANTISTAGE Records] 03.BRALLE - slings & arrows [Adversarial Machines] 04.Bernardo hangar - Munin [Analog Solutions] 05.DSNGDMANN - simple shape (Mist gasp remix) [Airsound Records] 06.Dave wincent - obsess [Nachtstrom Schallplatten] 07.Drop-E - Remanent Magnetism [Semantica] 08.Franco Rossi - Keiko [MindTrip] 09.Franco Rossi - Varuna [MindTrip] 10.Arjun Vagale & Oxygeno - Zero Gravity [Semantica] 11.KOLPOS - Bipolar / mindtrip 12.Marc Faenger - Circuit [Nachtstrom Schallplatten] 13.Marc Faenger - Corridor [Incense] 14.Nemesis - self reproach [MindTrip] 15.Obscur & Variable - with in context [Sigma5] 16.olmo - famine (stndrd remix) [Ucker records] 17.Operator (uk) - running from the man [Mord] 18.Franco Rossi - ID outro Follow MindTrip: www.mindtripmusic.com www.facebook.com/MindTripRec www.instagram.com/mindtrip_music Follow Franco Rossi: https://soundcloud.com/francorossimusic https://www.instagram.com/francorossi____/?hl=es-la https://www.facebook.com/francorossimusic https://xelimarecords.bandcamp.com/

Ron Butler is back, and this one goes in a few different directions. We start with how his YouTube channel got hacked and what mortgage brokers can learn from that. Then we get into the real estate market, fixed vs. variable, where rates may go next, and why a lot of brokers are about to find out the market was carrying them more than they realized. Ron also shares what he'd change if he were in charge of fixing housing in Canada, and why most brokers should stop trying to be social media stars. In this episode, we cover: What Ron Learned From Getting Hacked - Why cheap help can become very expensive when your brand starts to grow. What He Sees in the Market Right Now - Ron breaks down renewals, falling prices, investor pain, and where activity is slowing across Canada. Fixed or Variable? - We talk about what's changed, what borrowers are asking, and how uncertainty is shaping mortgage decisions. How He'd Fix Housing - Ron shares the biggest levers he'd pull to make housing more affordable and easier to build. The Truth About Social Media - Why most brokers should play defense online, and what it actually takes to make social media work. A lot of what's happening right now comes down to this: the market is changing, the easy wins won't last forever, and brokers who build real systems will be the ones who survive it. Connect with Ron through: Instagram Facebook TikTok Angry Mortgage Podcast https://www.butlermortgage.ca/ Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my email list, Peckford's Playbook Join the Mortgage Mindset Daily  Gamify your prospecting with the 10@10 App I Love Mortgage Brokering is in partnership with Ownwell. To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

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

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

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

Episode 302 of the Pool Nation Podcast What if your pool business has been warning you about bigger problems... and you just haven't been listening? In this episode of the Pool Nation Podcast, Edgar De Jesus, John “JJ Flawless,” and Zac “The Pool Boy” Nicholas dive deep into one of the most important business conversations pool pros can have: the signals your business sends you every single day. From burnout and busy work to growth plateaus, employee problems, customer issues, and financial blind spots, the guys break down why so many pool companies mistake movement for progress. This episode sets the stage for a powerful multi-part conversation on how to recognize the warning signs before they become major business problems. They also discuss: → The illusion of success in the pool industry → Why growth without systems creates chaos → The importance of listening to your numbers and team → How experienced business owners identify patterns before disasters happen → Why “one pool at a time” thinking can limit long-term growth → Pool Nation Boot Camps and the $25,000 Pool Pro Challenge → Encore Filtration's Dirty Filter Contest → The Heritage Pro Service Academy in Van Nuys, California If you're a pool service professional trying to scale your company, improve profitability, build a stronger team, or simply avoid burnout, this episode is packed with real talk and business insight from three pool pros who have lived it. Chapter Timestamps 00:00 – Pool Nation Podcast Intro 01:00 – Zac gets Edgar sick 03:00 – John talks family, graduation season & podcast studio plans 07:30 – International Swimming Hall of Fame experience 12:00 – The hidden importance of pool pros in the swimming industry 16:30 – Heritage Pro Service Academy announcement 18:00 – $25,000 Pool Pro Challenge qualifiers 20:00 – Pool Nation Awards updates & category changes 21:00 – Encore Filtration Dirty Filter Contest 24:00 – Edgar's AI-generated “Smokey and the Bandit” John photo 29:30 – Sponsor break 34:30 – Zac discusses rebuilding and refining The Pool Boys brand 36:30 – Why successful businesses never stop evolving 39:00 – Your business is talking to you every day 41:00 – Listening to the warning signs in your company 44:00 – Fixing problems vs solving root causes 49:00 – The illusion of success in pool service businesses 52:00 – Why busy does not equal productive 54:00 – The danger of comparing your business to others 56:00 – Scaling too fast and losing control 57:00 – Final thoughts on business growth and self-awareness 01:07:00 – Closing remarks Special Thanks to Our Valued Sponsors & Visionary Partners A huge thank you to our sponsors and partners who continue supporting the pool industry and Pool Nation: → SPPA → BlueRay XL → AquaStar Pool Products → Natural Chemistry → Raypak → Heritage Pool Supply → Hayward Pool Products → Poolside Tech → Pool Brain → Nidec / US Motors → OnCore Filtration → Encore Brands Your continued support helps us educate, inspire, and elevate pool professionals everywhere. Heritage Pro Service Academy Join us in Van Nuys, California for the Heritage Pro Service Academy powered by Pool Nation. Hands-on training includes: → Heater installation & troubleshooting → Automation setup → Variable speed motor training → Pump installation → Cool deck application → Live Pool Pro Challenge qualifiers Registration is FREE thanks to the Heritage Education Fund. Visit PoolNation.com to register today. Encore Filtration Dirty Filter Contest Think you've found the dirtiest pool filter in the industry? Submit your worst filter photos and videos for a chance to win cash and prizes from Encore Filtration.   #PoolBusiness #PoolService #PoolNation #PoolPro #PoolServiceBusiness #PoolIndustry #Entrepreneurship #PoolCleaning #PoolRepair #BusinessGrowth #PoolRoute #SwimmingPoolIndustry #PoolTech #ServiceBusiness #PoolNationPodcast

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

In this episode of Business on Top, I'm diving into something that impacts nearly every woman building at a high level, but rarely gets talked about openly: the evolution of partnership as your business grows. You'll hear a powerful panel conversation we hosted at ALT, where we intentionally brought husbands into the dialogue, not as outsiders to the business journey, but as a meaningful part of the ecosystem that supports it. This conversation is part one of a two-part discussion exploring what happens inside relationships as women step more fully into leadership, create wealth, expand their influence, and take on greater responsibility. Because as your business evolves, your relationship is often being asked to evolve too, and many of us are navigating territory that doesn't come with a clear roadmap. Together, we unpack the tension, opportunity, and complexity that can emerge when one person is growing rapidly while the relationship itself is trying to catch up to that growth. We talk about the communication gaps that happen when support is expected but never fully defined, and how misalignment often comes less from lack of love or desire, and more from lack of clarity and understanding. Because your business does not exist in a vacuum. And the quality of your partnership will either expand your capacity or quietly limit it. This episode is honest, nuanced, and deeply relevant for any woman trying to build not just a successful company, but a life that can truly sustain it. Leadership Lesson #3: When the Business Grows, Your Relationship Has to Evolve. Resources → Watch this episode on YouTube → Subscribe to The Blueprint → Learn more & book a call with our team to learn if the Pop Leadership Academy is right for you! → Learn more about our Owner + Practice Manager Business Intensive at The Gwen in Chicago → Follow Kaeli on Instagram: @kaeli.lindholm

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Hey budget besties!Today we're bringing you a real-life coaching case study—and y'all, this one is so good. Because you might see yourself all over it.This adorable young couple (two kids, big dreams, cutest energy ever) came to us making great money… and spending it just as fast. He was 100% commission in finance (plus quarterly bonuses

The guys welcome back Billy Moore of Executive Property Maintenance, and Mike Santolucito of Outdoor Pride to continue with the RFP/Contract discussion started last week. The guys bring their own experiences into play to discuss what you may be missing in your contracts that can cost you money by not having.

Welcome to the Friday Wrap-Up for May 15, 2026. This is a short newsletter where I talk about 3 things: What's on my mind this week, Recommended Reading, and Recommended Media. Here's what's on my mind...Earlier this week I found myself fighting Claude on something I felt was a pretty basic problem — one that I had used it to solve before. I kept going back and forth with Claude. I would ask it questions. It would then do things I didn't even remotely ask it to do. I started to form a weird theory in my head that Opus 4.7 is designed to waste tokens. But I'm actually worried it's worse than that. Recommended Reading: The colorful impact of Spike Lee's red Yankees hat request 30 years ago: I'm a chronic Yankees hat collector. I suspect my collection pales in comparison to some, but I have over a dozen hats emblazoned with the classic Interlocking NY that has persisted for over 100 years. In other words, I love a dope hat. Recommended Media: I Tracked Down the Hidden Workers Secretly Powering ChatGPT: And now for something totally different. This video talks about companies that recruit people who train LLMs. The problems it highlights is twofold: the predatory nature of recruiting experts in a way that's dehumanizing, and the chilling mindset behind AI companies who basically want to own knowledge and sell it back to us. Get the full article and a free automation of the week by signing up for the newsletter: https://streamlined.fm/wrapView the episode transcript (00:00) - Intro (00:31) - What's on my mind: Are LLMs employing variable rewards? (05:24) - Recommended reading: Spike Lee's red Yankees hat (08:22) - Recommended media: The hidden workers powering ChatGPT (12:29) - Outro ————Streamlined Solopreneur is the podcast for solopreneurs who want to automate their business and take time off worry-free. Each week, Joe Casabona shares practical systems, tools, and strategies to help you reclaim your time and run your business without sacrificing your the rest of your life, or your health. Start with the free Solopreneur Sweep — a step-by-step method for finding where your business is losing time: https://streamlined.fm/sweepIf this episode helped you, leaving a review on Apple Podcasts helps other solopreneurs find the show — it only takes a minute and means a lot.Connect with Joe on LinkedIn: https://www.linkedin.com/in/jcasabona/

In March, a California court did something almost nobody expected. It held Meta and Google legally liable for a young user's depression caused by their platforms. Both companies have now launched aggressive appeals to overturn the verdict, and the reason is bigger than one family or one dollar amount. For more than two decades, big tech has sheltered behind Section 230 of the Communications Decency Act. The neutral pipe defense. Whatever flows through the platform was never the platform's fault. The March verdict bypassed that defense entirely by focusing on something different. Not what users posted, but how the platform itself was engineered. Infinite scroll. Variable reward loops borrowed from the gambling industry. Algorithms tuned to keep adolescent brains glued to the feed during the most fragile years of their development. This shifts the legal frame from speech to product design. And product design is a question courts already know how to evaluate. What did the company know? What safer alternatives existed? What internal research did they bury? Documents introduced at trial showed executives understood the mental health risks long before they acted. That is why the appeals are not just about damages. They are about preventing every parent, every state attorney general, and every regulator from picking up the template. In this episode, R Blank breaks down what the verdict really means, why both companies are fighting so hard, and what parents and adults can do tonight regardless of how the appeals play out. The era of the neutral pipe is closing. The era of accountable design is just beginning. Key Insights Section 230 has protected platforms for over two decades by framing them as neutral pipes The March verdict shifted the legal question from content to product design Internal documents showed executives knew about mental health risks before acting Meta and Google are not fighting damages, they are fighting the legal precedent The Anxious Generation thesis is now backed by courtroom-validated evidence Practical move for parents: delay smartphone access and social accounts as long as possible Practical move for adults: ask what your feed is doing to you, not just how much time you spend Platforms are engineered to keep you watching, not to make you happy Subscribe If you found this useful, follow The Healthier Tech Podcast wherever you get your podcasts. New mini episodes drop weekly on the intersection of technology, attention, and real health. This episode is brought to you by Shield Your Body, a global leader in EMF protection and digital wellness. Because real wellness means protecting your body, not just optimizing it. If you found this episode eye opening, leave a review, share it with someone tech curious, and don't forget to subscribe to Shield Your Body on YouTube for more insights on living healthier with technology.

Your pool's pressure gauge can save you hours of guesswork, or it can trick you into cleaning the wrong thing at the wrong time. We walk through what pool filter PSI (pounds per square inch) actually means, why higher pressure usually equals more restriction and less circulation, and how that loss of flow shows up in real life: cloudier water, weak returns, a spa spillway that barely spills, and cleaners that stop moving like they should.We also get specific about filter types. DE filters and sand filters often follow the classic rule of thumb where about a 10 PSI rise over clean pressure signals it's time to backwash (and for DE, recharge). Cartridge filters are a different story. Small single-cartridge systems may show a clear PSI climb as they clog, but large quad cartridge filters can run for months with almost no gauge movement, so you need to pair the pressure reading with water quality, flow clues, and a consistent filter cleaning schedule.Variable speed pumps change the whole PSI game because pressure depends on RPM. If the system is running low speed when you check it, the gauge may look “normal” even when the filter is loaded. We share the simplest way to get a meaningful reading: run the pump at full speed briefly and compare that number to your recorded clean PSI. Finally, we cover red-flag readings like near-zero PSI (broken gauge, low water, air, impeller issues) and sudden very high PSI (possible return-side blockage) so you know when it's more than routine pool maintenance.• defining PSI and why higher pressure usually means lower flow• finding and tracking each pool's clean filter pressure baseline• spotting flow loss through spillways, water features, and cleaners• knowing when DE and sand filters need backwashing• understanding why large quad cartridge PSI often barely changes• using full-speed readings to evaluate filters on variable speed pumps• diagnosing near-zero PSI from dry running, air leaks, or impeller clogs• treating sudden high PSI as a possible return-side blockageSend us Fan MailSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y

You're doing the work of 40 people, but you only have one life. It's time to stop being the Everything Officer."

https://teachhoops.com/ Identifying performance gaps is the difference between a coach who just "watches" the game and a coach who "architects" the win. A performance gap is simply the mathematical delta between where your team is currently performing and where their talent level suggests they should be: In the mid-season January grind, these gaps often manifest as "unforced errors," "defensive slippage," or that frustrating feeling that you are "playing down" to your competition. To fix them, you have to stop looking at the scoreboard and start looking at the "Root Cause." You must determine if the gap is a matter of Technical Skill, Tactical Awareness, or Mental Resilience. Not all gaps are created equal. A Skill Gap is a technical deficiency—your players physically cannot finish with their weak hand, or they lack the footwork to navigate a high-ball screen. This is fixed with Rep Density and focused individual skill work. A Will Gap, however, is a "Culture Disease." It's the player who knows they should dive for the loose ball or "sprint to the level of the ball" in transition but chooses not to. You cannot fix a "Will Gap" with a new drill; you fix it with Accountability and Consequences. If your team is struggling with execution, the most powerful tool in your shed is Immediate Visual Feedback. Use your film sessions to "audit" the reality of the game: are you showing your players what they did wrong, or are you showing them how that error affected the next three possessions? When a player sees the "Geometric Breakdown" on screen—how their poor "gap positioning" led to a wide-open corner three—the distance between their "perception" and "game reality" begins to close. Sometimes, the performance gap exists because the players don't actually know what "success" looks like in their specific role. If your "3-and-D" wing thinks they need to be a "Point-Forward," their performance will naturally suffer because they are playing outside their Efficiency Zone. Closing the Clarity Gap requires one-on-one "Role Conversations" where you define the 2–3 non-negotiables they must provide for the team to win. When expectations are crystal clear, the "Performance Ceiling" naturally rises. Coach's Note: "A gap is only a failure if it remains unaddressed. A championship-level coach treats every performance gap as a roadmap for the next week's practice plan." Basketball performance gaps, player development, team culture, basketball IQ, coach development, high school basketball, youth basketball, basketball strategy, skill acquisition, role clarity, defensive efficiency, basketball analytics, "The Villanova Way," mental toughness, athletic leadership, coach unplugged, teach hoops, basketball success, program building, performance audit. Show Notes$$Gap = Potential - Execution$$1. The Skill Gap vs. The Will Gap2. Closing the Tactical Gap through Film3. The Clarity GapPerformance Gap MatrixType of GapManifestationThe SolutionTechnicalPoor shooting, high turnovers, weak-hand errors.Variable practice and high-volume skill reps.TacticalBlown assignments, poor spacing, "frozen" offense.Film study and "Walk-through" repetitions.PhysicalGetting "bully-balled," late-game fatigue.Functional strength and recovery protocols.MentalSlow "Next Play" speed, low hustle, eye-rolling.Culture audits and leadership meetings.SEO Keywords Learn more about your ad choices. Visit podcastchoices.com/adchoices

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