Podcasts about Variable

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  

El mercado estadounidense sigue dentro de una tendencia alcista. El sector tecnológico de Wall Street se toma un respiro en el rally que empujó a la bolsa a sus últimos máximos históricos. No es una señal de debilidad desde el punto de vista técnico, sino una consolidación en busca de nuevas alzas. Sin embargo, el paso atrás del mercado estadounidense es una oportunidad para diversificar la inversión y buscar oportunidades de compra en otros sectores como son el farmacéutico o la banca de Wall Street. El asesor técnico de Ecotrader, Joan Cabrero, señala estos dos caladeros donde adquirir zafiros del mercado como pueden ser Novo Nordisk, BlackRock o Bank of America, entre otros, en lo que el Nasdaq 100 y el S&P 500 prosiguen con su rally.

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!

Craig talks with mortgage expert Anthony Landahl about the changing mindset of Australian property buyers and investors in 2026. They unpack fixed versus variable home loan strategies, why borrowers are becoming more cautious, and the growing rise of multi-generational living as families adapt to affordability pressures and higher living costs. You can have your say by leaving a voice message ►  https://www.speakpipe.com/realestateradio ► Website: https://aussierealestatepodcast.lovable.app ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com  The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. Gold Coast Real Estate, Adelaide Property Market, Luxury Real Estate Australia, Property Investment Podcast, Real Estate Trends 2026, Median Price Growth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour. #PropertyInvestment #RealEstateInvesting #FirstTimeInvestor #PropertyManagement #RentalYields #CapitalGrowth #RealEstateFinance #InvestorAdvice #PropertyPortfolio #RealEstateStrategies  #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty  #adelaideproperty #canberraproperty #PerthRealEstate #hobartproperty  #RealEstate  #RealEstateNews #MortgageTips #PropertyMarket #FinanceAustralia #BrisbaneInvesting   #RealEstateDevelopment #adelaide #PerthRealEstate #FirstHomeBuyer #AustralianProperty #AustralianRealEstate #PropertyMarketUpdate #MortgageAustralia #FinanceTips #HousingAffordability #RealEstateTrends #AussieProperty  #MortgageRates #HomeLoans  #PropertyMarket #MortgageTips #InterestRates  #BrisbaneProperty #QLDRealEstate #PropertyInvestment #AustralianHousingMarket #AdelaideProperty #AdelaideRealEstate #InvestInAdelaide #SouthAustraliaProperty #AustralianRealEstate #HousingTrends#MelbourneHousing #MelbourneInvestment  #MelbourneMarket  #PropertyInvestment #RealEstateTips #WealthBuilding #InvestmentStrategy #HomeBuying #AustralianProperty    

Send us Fan MailWhat's happening on the ground in MortgagesTop Butler Mortgage Broker Chris Bressi talks about what's happening in Mortgage World todayChris takes up to 20 calls a day from borrowers in 3 provinces and the feedback he has says a lot about what Canadians are worried about on RenewalWho's buying homes today & what their attitudes areAnd in the Age-Old Debate between Fixed & Variable, what's really happeningSupport the show

Is Canada really in a recession?

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.

La bolsa estadounidense no da signos de agotamiento. El empuje de los valores tecnológicos permita a Wall Street encadenar su novena semana consecutiva al alza. Hay exceso de compra y una subida casi vertical. Pero eso no estropea la tendencia alcista que aventira mayor recorrido al alza. El asesor técnico de Ecotrader, Joan Cabrero, considera que la tendencia de la bolsa estadounidense, y principalmente en el Nasdaq 100, sigue siendo alcista. El precio manda y no hay señales de deterioro que hagan pensar en un paso atrás de la bolsa. Del mismo modo, la subida actual del mercado se asemeja a la vista en abril del año pasado con la tensión de la guerra comercial. Si este rally fuera a replicar el del 2025, aún habría una subida adicional por delante del 20%.

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.

Hoy, charlamos con José Antonio Ferreira Dapía, empresario con cuatro décadas de experiencia en el sector de la tecnología y las telecomunicaciones y en la que reflexiona sobre los fracasos financieros en sectores ajenos y de cómo el aprendizaje de los errores, fortaleció su resiliencia profesional. Ferreira también comparte su visión sobre la inteligencia artificial; sobre la ética laboral; subraya la importancia de la productividad y de la lealtad en el entorno corporativo; y enfatiza la prudencia y la pasión, como pilares fundamentales para cualquier persona que decida iniciar un proyecto propio. Actualmente, se dedica también a la mentoría de nuevos emprendedores; es autor de dos libros y mantiene una activa labor como comunicador en redes sociales y en su canal de YouTube

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

The Myth of the Long-Term Fixed Mortgage   The Myth of the “Long-Term Fixed Mortgage” in Canada Many Canadians believe a mortgage means locking into the same fixed rate for 20–30 years. But the Canadian mortgage system works differently — and it gives you more control. Canada offers flexible mortgage options, allowing you to choose a structure that fits your financial goals. The most common option? ✅ 5-year fixed mortgage rate — reliable, predictable, and great for long-term budgeting. But you can customize your mortgage with options like:

Esta semana hemos visto cómo las bolsas europeas han pasado de mirar hacia soportes a ilusionarse con un nuevo ataque a las resistencias de los máximos históricos. Mientras no salgan de ese rango, Joan Cabrero, el analista técnico de Ecotrader, recomienda calma, así como en Wall Street, que ha entrado en modo descanso después de varias semanas al alza. Sin embargo, ya hay nuevos zafiros en los que comenzar a valoras futuras posiciones en cartera.

People are wondering whether mortgages, interest rates, and whether owning a home is still the dream it used to be. Variable rates now make up a growing share of new mortgages, while five-year fixed terms have dropped sharply. At the same time, we’re seeing a broader conversation happening online and in real life. Some homeowners are even questioning whether owning property is worth it anymore, given rising costs, maintenance, and market pressure. Roy Nakhal, real estate broker and mortgage expert in Montreal spoke to Andrew Carter.

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

In this conversation, Cade Archibald sits down with inventor and author John Jaquish, PhD to discuss his background in fitness-adjacent tech and why he believes “variable resistance” training changes how people think about workouts. They trade perspectives on popular biohacking topics—like peptides, appetite control, and testosterone products—while emphasizing personal experimentation, training mechanics, and the challenges of separating hype from real-world outcomes. Along the way, Jaquish shares the origin story behind his projects (including OsteoStrong and X3), describes the training principles he promotes, and points listeners toward where they can explore his work online.Check out Jaquish Biomedical and their home gym here! https://www.tkqlhce.com/click-101633148-15734952Forum: https://www.facebook.com/groups/X3BarUsersGroupFollow Dr. Jaquish here:*YouTube:https://www.youtube.com/@JaquishBiomedical*Instagram: https://www.instagram.com/drjaquish/John Jaquish, PhD: After developing the worlds, most effective medical device for bone density generation, as well as a strength training system that's more effective for gaining muscle and strength than anything previous and used by some of the worlds greatest athletes (NBA, NFL, and Olympic). Dr. Jaquish developed a unique perspective on hormone optimization. His approach leaves patients with a biochemical demand for anabolic hormones, as opposed to the standard approach, which just introduces anabolic hormones, leaving the body confused as to what to do with them, thereby causing side effects. His WSJ best selling book describes this in detail, and is about to launch this new product for worldwide availability.RESOURCES:Book Comprehensive Labs: https://agelessfuture.com/longevity-labs/FREE copy of The Peptide Blueprint: https://agelessfuture.com/blueprintSign up for future Health Accelerator Challenges calls LIVE! https://us02web.zoom.us/webinar/register/WN_YZsiUMOzSyqcE8IinC5YEQ#/registrationBooks: https://www.amazon.com/Books-Regan-Archibald/s?rh=n%3A283155%2Cp_27%3ARegan%2BArchibaldArticles: https://medium.com/search?q=Regan+ArchibaldLIKE/FOLLOW/SUBSCRIBE:YouTube -https://www.youtube.com/@ReganArchibald / https://www.youtube.com/@Ageless.FutureLinkedIn: https://www.linkedin.com/in/regan-archibald-ab70b813Instagram: https://www.instagram.com/ageless.future/Facebook: https://www.facebook.com/AgelessFutureHealth/DISCLAIMER: This video is for educational purposes only and does not provide medical advice, diagnosis, or treatment.  Many of the molecules discussed in this video are research compounds and are not approved by the U.S. Food and Drug Administration (FDA) for any specific medical use, indication, or condition. They are mentioned only in the context of existing scientific literature and ongoing research and are not being recommended, prescribed, sold, or offered through this video.  This content does not endorse or recommend any specific tests, products, procedures, or treatment protocols.References to our clinic are for general educational context only; investigational or non‑approved products are not available for direct ordering or prescribing based solely on viewing this content.  Do not start, stop, or change any medication, peptide, or supplement based on this video. All medical decisions must be made with a licensed prescribing clinician after a proper evaluation. No provider–patient relationship is created by viewing this content or contacting our clinic.  Regan Archibald is a Licensed Acupuncturist and longevity coach. He is not a medical doctor. Cade Archibald is COO and Co-Founder of Ageless Future, also not a medical doctor. All medical decisions, lab ordering, and prescribing in our clinic are performed only by our licensed medical team (MD, APRN, PA).  Viewers should follow the guidance of their own licensed clinicians and local health authorities regarding diagnosis and treatment decisions.

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

The dominant structural shift outlined in the episode is the destabilization of the classic per-seat MSP bundle caused by the rise of agentic AI and token-based, metered automation platforms. Vendors such as Kaseya, Google, and OpenAI are embedding persistent AI agents within core business applications, moving beyond traditional licensing models to charges based on actions, tokens, and workflow usage. This introduces margin instability, as MSPs cannot reliably predict costs or maintain flat-rate contracts in an environment where AI consumption is dynamic and externalized. The most consequential evidence presented is the quantification of AI-driven inefficiencies and costs in operational terms. According to a Gallup poll, cited by ZDNet, half of US employees are now using AI at work, but those users waste up to eight hours weekly managing AI-related tasks—amounting to approximately $1.25 million drag per year for a 100-person firm. This data underlines how the proliferation of automation does not equate directly to labor savings and can introduce significant, unanticipated costs that are difficult to contain under legacy MSP pricing models. Supporting developments further highlight the governance gap and operational risk. Reports from PRWeb and Ruist find that 97% of MSPs intend to automate more in 2024, but only 4% are “highly mature.” Vendor announcements—as with Kaseya's agentic IT management platform, Auvik's Aurora AI agents, and Liongard's data control enhancements—are paired with warnings from Information Week and The Register about the risk of overspending, audit failures, and accountability gaps tied to AI-driven automation. Most IT managers lack full control over AI agents, and as agents proliferate, the difficulty of tracking, governing, and assigning accountability rises. For MSPs and IT service providers, these changes demand immediate attention to contract structure, governance, and pricing. Flat-rate, all-you-can-eat support models expose providers to untracked vendor consumption and hidden overages, making traditional agreements economically unstable. Practical safeguards require shifting toward consumption-based or outcome-based billing, enforcing explicit usage caps, audit controls, and vendor SLAs that clearly define liability and accountability. Failing to adapt risks absorbing uncontrolled automation costs and shouldering client disputes over AI-driven actions and expenses. 00:00 AI Overhead Crisis  04:48 Agent Control Gap 07:17 MSP Margin Squeeze 12:00 Why Do We Care?  Supported by:  Acronis Zero Networks Nerdio  Upcoming event:  The Pivotal Point of IT: Building Services for the AI-First EraDate: May 13 at 1p.m. EDTRegister: https://go.acronis.com/davesobelaiera

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

Pool Pros text questions hereAndrea discusses the intricacies of pool circulation systems, focusing on total dynamic head, valves, piping, and the importance of proper maintenance to ensure safe and efficient pool operation.keywordspool circulation, total dynamic head, pool valves, water flow, pool maintenance, water hammer, filtration, pool system designkey topicsTotal dynamic head calculation and importanceTypes of pool valves and their functionsRisks of water hammer and how to prevent itguest nameUnderstanding Total Dynamic Head and Valve Management in PoolsSound Bites"Variable speed motors optimize energy use""Gate valves should be fully open or closed""Water hammer can cause pipe damage"Chapters00:00Introduction and Technical Difficulties02:48Understanding Total Dynamic Head (TDH)06:05The Importance of Valves in Pool Systems10:53Piping and Flow Dynamics14:53Filters, Heaters, and Separation Tanks20:31The Heart of Pool Maintenance: CirculationResourcesBlu-ray XLrevvedupto.comTalking Pools Podcast Support the showThank you so much for listening! You can find us on social media:FacebookInstagramTik TokEmail us: talkingpools@gmail.com

The episode identifies a structural shift in the integration of generative AI within organizational workflows: variable cost models, unpredictable output quality, and heightened accountability requirements are converging to reshape managed services operations. This shift is exemplified by Anthropic's move toward usage-based pricing for Claude Enterprise, combining compute consumption with per-user fees, and by reports of major enterprises and intelligence agencies piloting dedicated cybersecurity-focused generative AI models. These trends expose IT service providers, especially MSPs, to cost volatility, operational risk, and new governance challenges as generative AI transitions from experimental implementation to core workflow tooling. Primary evidence includes Anthropic's revised pricing strategy, which replaces predictable licensing with usage-based billing, introducing financial unpredictability for heavy users. The episode cites reporting from The Verge and The Guardian, noting that AI-generated outputs can create hidden labor through the need for manual review and corrections, while undetected errors escalate into operational disputes and rework. The implementation of generative AI in security-sensitive environments underscores the need to scrutinize how AI-driven processes are metered and governed. Supporting developments reinforce this shift: MSP platform providers such as Enable are embedding generative AI directly into operational workflows, connecting third-party tools to live data. This creates the need for controls over what AI systems can access, approve, and log, particularly in multi-tenant environments. Meanwhile, outcome-based service agreements—such as fixed response-time SLAs—set new client expectations for measurable performance and accountability in AI operations. The market is also rewarding those who wrap unmanaged technology surfaces, like BYOD or AI tooling, with enforceable policies and auditable evidence trails. Operational implications for MSPs include increased pressure on margins due to AI's variable usage costs colliding with fixed-fee contracts, the challenge of capturing and reporting hidden labor from AI output review, and the necessity for evidence-based governance. Service providers unable to implement and sell AI operations management (“AIOps”) as a billable, controlled service risk becoming de facto shock absorbers for unpriced spend, rework, and disputes. Those who standardize on enforceable budgets, approval gates, audit trails, and compliance-ready reporting stand to protect service margins and reduce liability exposure. 00:00 AI Cost Reckoning 02:39 AI Governance Gap 04:44 Govern or Lose 07:12 Why Do We Care?  Supported by:  TimeZest Zero Networks 

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…

Where ever the wind takes them. Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! Check out our friends: Pretending to be People! Stories & Lies Sorry, Honey I have to Take This Tabletop Talk Wilderspace Gaming Doomed to Repeat The Great Old Ones Gaming Negative Modifier Chaos Springs Eternal The Black Flare Podcast 9mm Retirement Radio Suffer Not

Many people use a home equity line of credit for home renovations and unforeseen liquidity needs, but if you are carrying an old balance on your variable rate HELOC, the current high-interest rate environment has not been friendly to you. Donna and Nathan discuss options for managing variable rate home equity loan balances, and strategies for paying down other forms of high interest debt. Also, on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 4/16/2026; Original Air Date: 4/4/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In this mini-episode, we explain constant and variable tension, and the pros and cons of each in jiu-jitsu.Get our Intro to Mechanics audio course, normally $79, FREE:https://bjjmentalmodels.com/freeintro⬆️ LEVEL UP with BJJ Mental Models Premium!The world's LARGEST library of jiu-jitsu audio lessons, our complete podcast network, online coaching, and much more! Your first week is free:https://bjjmentalmodels.comNeed more BJJ Mental Models?Get the legendary BJJMM newsletter:https://bjjmentalmodels.com/newsletterLearn more mental models in our online database:https://bjjmentalmodels.com/databaseFollow us on social:https://instagram.com/bjjmentalmodelshttps://threads.com/@bjjmentalmodelshttps://bjjmentalmodels.bsky.socialhttps://youtube.com/@bjjmentalmodels⚠️ NEW course from BJJ Mental Models!MINDSET FOR BETAS, our new Jiu-Jitsu audio course with Rob Biernacki, is now available on BJJ Mental Models Premium! For a limited time, get your first month FREE at:https://bjjmentalmodels.com/beta

Trouble finds the group. Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! Check out our friends: Pretending to be People! Stories & Lies Sorry, Honey I have to Take This Tabletop Talk Wilderspace Gaming Doomed to Repeat The Great Old Ones Gaming Negative Modifier Chaos Springs Eternal The Black Flare Podcast 9mm Retirement Radio Suffer Not

durée : 00:05:38 - par : Bertrand Dicale - Créé en Grande-Bretagne il y a une vingtaine d'années, le groupe de François Marry explore un territoire singulier que nous visitons à l'occasion de la sortie de son huitième album, "Halage". Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

If you've ever felt like you're running on fumes despite having a top-tier morning routine fueled by an iced matcha and perfect sleep score, creatively stifled to the point where you're Googling $8,000 retreats on the coast of Italy, or like your marketing is hitting a dead-end despite "doing all the right things", you might just be living out of alignment with your Human Design, especially its cognitive architecture.Keolani Young is here to teach us a Human Design 2.0 lesson today: Variable. This is an advanced aspect of HD as it reveals the way our brain physically digests information, the environments that support our creativity, and the places that truly nourish us. It also uncovers our perspective — the unique lens through which we see the world — and our motivation, the left vs. the right mind, the strategic vs. the receptive.If you're seeking a more intuitive, design-led approach to building your business, this episode is for you.Connect with Keolani:@keolaniyoung on TikTok @keolaniyoung on IG Get your free advanced Human Design chartSave $25 on a 1:1 reading: Legacy Human Design Reading Great Measure Podcast Visit Keolani's Website Connect with Chelsea:

Equipment and Answers Buy Stars Without Number here! We have a Patreon! What to support us? Click HERE! The Cast: GM - Chris Hayden Hardcrow - Tyler Santander Clemente - Jake You can find us on: Instagram Bluesky Youtube You can also email us at chaosenginepod@gmail.com We have a Discord now! Feel free to stop by if that interests you! Check out our friends: Pretending to be People! Stories & Lies Sorry, Honey I have to Take This Tabletop Talk Wilderspace Gaming Doomed to Repeat The Great Old Ones Gaming Negative Modifier Chaos Springs Eternal The Black Flare Podcast 9mm Retirement Radio Suffer Not

"When you live in alignment with your values, you cause yourself as little suffering as possible in the long term. And that one just always sticks with me because it's really challenging in the short term. But if you have faith in your values and who you are and how you want to show up in the world, then ultimately you're creating a path that's going to serve you for the long term." — Jon BregelWhat happens when the thing you love most… starts breaking you?In this episode, Rain sits down with cinematographer, founder of Variable, and career/life coach for filmmakers, Jon Bregel, to unpack a reality most creatives don't talk about enough: burnout.After years of success in the film industry, Jon hit a breaking point that forced him to reevaluate everything—his career, his identity, and the story he was telling himself. That journey led him to create The Nourish Community, a space designed specifically to support the mental and emotional health of filmmakers.This conversation goes beyond tactics. It's about identity, purpose, and how to build a creative life that actually sustains you, instead of slowly draining you.If you're a filmmaker, creator, or entrepreneur feeling the pressure… this one hits close to home.In this episode, you will learn to:Recognize the early warning signs of creative burnout before it becomes a crisisUse core values as a practical decision-making compassUnderstand the difference between a life coach and a therapist and why creatives may need both for different reasonsReframe career plateaus, pivots, and rest as seasons of inner growth rather than signs of failureBuild or seek out real community as a creative and understand why that distinction changes everythingFollow Jon Bregel:Website → https://www.nourishcommunity.coInstagram → https://www.instagram.com/jonbregelProduction Company → Variable (New York City)Film Referenced: The Baltimorons — directed by J. Duplass, starring Michael Strassner (cinematography by Jon Bregel)And, for more storytelling tips and strategies, visit:Website → https://rainbennett.comPodcast → https://thestorytellinglabpodcast.comOr follow along at:TikTok → https://www.tiktok.com/@chiefstorytellingofficerTwitter/X → https://twitter.com/rainbennettInstagram → https://www.instagram.com/rainbennettFacebook → https://www.facebook.com/thestorytellinglabYouTube → https://www.youtube.com/@RainBennett Hosted on Acast. See acast.com/privacy for more information.

Expensive wetsuits, Disc wheels and carbon shoes only matter if they matter. Today, we look at true free speed within better posture and form. When you boil it down, a faster race comes down to holding solid form and all three events affect the other. We'll look at simple ways to improve your form and get free speed over time by simply holding it better. We talk about drills to incorporate in your runs, how to be more comfortable and stronger in aero, and we look at having solid hydrodynamics in the water. Commit to the long game and truly get better at what you do, all while saving energy. Topics: Posture and form and meditation and mind flow Run form and how to build it Heel, mid foot, front foot? Injuries and why they happen in running Working run drills into your runs Laptop and phone posture Why yoga was created Do some long runs on trails Variable foot strikes Strong feet and ankles matter Why posture is so important in cycling Building a strong core Being confident and stable in aero Arm fitness How bad bike form damages your run The right bike fit RPE on efficient cycling legs Are you working complimentary muscles? Faster simply means covering longer distance in less time Lake Johnson Swimming position and alignment Laser pointer through the head What drops the body The domino effect of posture Learning to float Hydrodynamics Holding posture means a solid core Free speed in the water Relaxing as you swim How to incorporate band work Using a disc wheel or carbon shoes only for racing Mike Tarrolly - mike@c26triathlon.com Robbie Bruce - robbie@c26triathlon.com

Thank you to Factor for sponsoring this episode! Head to http://www.FactorMeals.com/KitAndKrysta50Off and use code KitAndKrysta50Off for 50% off your order + FREE breakfast for a year!*~*~*~*~*~*~*~*~*~*~*~*~*~*~*Hello and welcome to episode 213 of the Kit & Krysta Podcast! This week we want to take a fresh look at Nintendo's variable pricing "policy" for the Switch 2. This has become a meme and a huge joke but Nintendo actually really needs this. Are they putting this into practice at all or was it just all PR spin? Also in this episode, we react to Nintendo suing the US government over tariffs and we've played a ton of Pokemon Pokopia. We want to talk about what we think of the game so far. All this and more is coming right up! 0:00 - Let's-a go!7:18 - News news news (Nintendo sues the US government, new Xbox, Resident Evil Requiem breaks records, Pragmata is launching early, the cutest Yoshi bobblehead ever)40:11 - Let's talk about variable pricing1:14:23 - Games we are playingPatreon shout-outs:- All Hail the Final Boss - Aaron Hash - Thank you Super Stars: MaruMayhem, Eigenverse, Mike Chin, Roy Eschke, vgmlife, Link The Hero of Winds, Angela Bycroft, Thomas O'Rourke, Kyle LeBoeuf, Andrew Youhas, Chilly, krashuri, Master Discord, Travis Torline, EchoLadair, MSMPokeGamer, RBurns, KITT 10K, Adrien, Nafon Clover, TheSharkAmongMen, RainTech, KissMyFlapjack, Paul Gale Network, Cameron, Fredrik Ulf Konradsson, Catsually NerdyFollow Us! https://www.patreon.com/kitandkrystahttps://twitter.com/kitandkrystahttps://www.tiktok.com/@kitandkrystahttps://www.instagram.com/kitandkrysta/http://www.facebook.com/kitandkrysta/https://bsky.app/profile/kitandkrysta.bsky.social-Kit & Krysta

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

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

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