Podcasts about Variable

In this episode of The Poultry Nutrition Blackbelt Podcast, Alexandre Bonadiman Mariani, PhD candidate in Animal Nutrition pursuing a joint degree between Laval University in Canada and the University of Tours / INRAE in France, explains why precision phosphorus nutrition may require moving beyond fixed ingredient values. He discusses a meta-analysis developed to predict digestible phosphorus based on calcium, phytate phosphorus, non-phytate phosphorus, and phytase supplementation. Learn how dynamic prediction systems can help to support more precise, economical, and sustainable broiler nutrition. Listen now on all major platforms!Click here to read the full research article!“As dietary calcium rises, phosphorus digestibility usually declines, while phytase can erase that negative effect only up to a plateau.”Meet the guest: Alexandre Mariani is a PhD candidate in Animal Nutrition pursuing a joint degree between Laval University in Canada and the University of Tours / INRAE in France. His research focuses on phosphorus and calcium nutrition in poultry, particularly nutrient digestibility, phytase efficacy, predictive modeling, and precision feeding strategies for efficient and sustainable production. Listen to Alexandre Mariani on the Poultry Nutrition Black Belt Podcast, available on all major platforms.Liked this one? Don't stop now — Here's what we think you'll love!What you'll learn:(00:00) Highlight(01:44) Introduction(03:01) Variable phosphorus digestibility(04:42) Phytate phosphorus complexity(05:57) Meta-analysis of broiler studies(08:44) Calcium effects(10:44) Comparing available P systems(14:14) Closing thoughtsThe Poultry Nutrition Blackbelt Podcast is trusted and supported by innovative companies like:* Fortiva* Kemin- Poultry Science Association- Anitox- DietForge

This episode: ETOPS flights could be impacted by the closing of an airport on a tiny South Pacific island. FAA rescinds Cessna Citation single-pilot exemptions. Heart Aerospace unveils the ES-36 hybrid-electric 30-seat regional commercial aircraft and JSX purchase agreement for up to 100 aircraft. A Congressman questions the FAA deployment of the Strategic Management of Airspace Routing Trajectories (“SMART”). The Air Combat Command Accident Investigation Board determined that incorrectly positioned variable vanes caused the F-16 crash in December 2025. A Boeing 737 MAX software glitch could disrupt a navigation feature. Boom Supersonic loses the launch customer for their land-based Superpower stationary powerplant. And pilots are accused of being in a “club” of furry fetishists. Aviation News Midway Atoll's Airport Has No Flights, But Its Closure Could Disrupt Airlines Worldwide Midway Atoll Airport (MDY) in the South Pacific, also known as Henderson Field, is a public airport on Sand Island. Midway Atoll is a 2.4-square-mile unincorporated territory of the United States. With a 7,800-foot runway, the airport primarily serves as an emergency diversion point for transpacific flights. The DOT estimates that the airport needs at least $100 million to stay certified. The Airline Dispatchers Federation (ADF) opposes closing Midway Atoll Airport because it will affect airline operations across the Pacific. ETOPS ratings (“Extended-range Twin-engine Operations Performance Standards) apply to twin-engine jets and specify how many minutes a plane is allowed to fly on a single engine to get to the nearest suitable diversion point. The FAA grants approval for each airframe-engine combination and again to each operator, based on its maintenance and dispatch program. The ETOPS rating process is informal. The FAA grants two separate approvals, one for the design and one for the operator, and both are needed before an airline can fly a route: Type design approval (Aircraft Certification Service) The manufacturer shows that a specific airframe-and-engine combination is suitable for extended diversions. It involves: Design and systems review. The FAA assesses ETOPS-significant systems such as fuel, electrical, hydraulic, APU, cargo fire suppression, and pressurization for redundancy and their ability to keep working through the maximum diversion time, including time-limited systems. Propulsion system reliability. Assess in-flight shutdown (IFSD) rates and the engine’s overall service record. For new engine/airframe combinations without an in-service history, an early or accelerated ETOPS relies on design assessment, testing, and a demonstrated reliability program instead of accumulated fleet hours. The Configuration, Maintenance, and Procedures (CMP) document defines the required airplane configuration, maintenance tasks, and operating procedures that an ETOPS-approved airplane must follow. Operational approval (Flight Standards) Type design approval doesn’t let any airline fly ETOPS routes. Each operator must be authorized through its FAA certificate-holding district office (CHDO). The airline must show that it can: Maintain the airplane to the CMP standard, with an ETOPS maintenance program, ETOPS-qualified maintenance personnel, and procedures such as verifying critical systems after work and monitoring reliability. Dispatch properly, including selecting ETOPS alternate airports with suitable weather and services, and planning for time-limited systems, fuel, and diversion scenarios. Train crews and dispatchers on ETOPS procedures. Conduct a validation process, which for new operators or new airplane types may include proving or validation flights. The FAA conducts ongoing oversight and monitors IFSDs and other events that could affect ETOPS. It can restrict or revoke an approval if reliability degrades. For detailed ETOPS information, including EDTO (Extended Diversion Time Operations), see How Do Planes Fly Over the Pacific? (ETOPS Explained) from Aeruxo – Flight Ops Insights. FAA Rescinding Cessna Citation Single-pilot Exemptions The FAA is rescinding exemptions that allow some Part 25-certified Cessna Citation jets to operate with a single pilot. The exemptions date back to 1984 and had been based on a lack of data showing any negative impact. The FAA’s decision is based on an 18-year review indicating that older Citation jets operated by a single pilot have a significantly higher accident rate than other models. Also, investigations revealed issues such as incomplete training records and unauthorized use of training devices among exemption holders. The ruling is effective September 28, 2026, and affected pilots must operate these aircraft with a qualified second-in-command. Pilots who previously held single-pilot exemptions will lose their privileges.  The FAA has been issuing single-pilot exemptions for transport-category CE-500 variants for over forty years, starting with Exemption No. 4050 to Cessna in 1984. The eight variants covered are the 500 (Citation and Citation I), 550 (Citation II), S550 (S/II), 552 (Navy T-47A), 560 (V and Ultra), 550 Bravo, 560 Encore and Encore+. The exemptions went to training providers, who issued single-pilot logbook endorsements. Heart Unveils ES-36 With JSX Order In Episode 898, our guest was Heart Aerospace co-founder and CEO Anders Forslund. We talked about the ES-30, a hybrid-electric 30-seat regional commercial aircraft the company is developing. Heart just unveiled the 36-seat ES-36 with an additional 1,415 pounds of payload capacity. Maximum takeoff weight and battery capacity remain the same, and the plane now employs two series-hybrid electric powertrains. The changes result from Heart's experience flying the X1 demonstrator aircraft. JetSuiteX, Inc. (or JSX) charters a 30-seat Embraer regional jet that is operated by a subsidiary and then resells seats on that aircraft to the public. It offers point-to-point flights in Arizona, California, Colorado, Florida, Nevada, New Mexico, New York, Texas, Utah, and Baja California Sur in Mexico. JSX's agreement converts a 2023 letter of intent into a deposit-backed purchase commitment and secures early delivery positions for the carrier. See also, press release: Heart Aerospace Unveils ES-36 with JSX Purchase Agreement for Up to 100 Aircraft Beyer Calls For Suspension Of AI System Deployed By FAA At Washington Area Airports In a press release, U.S. Representative Don Beyer (D-VA) says, “The FAA should not use my constituents as guinea pigs for an unproven AI air traffic control system.” He was referring to the FAA's deployment of the Strategic Management of Airspace Routing Trajectories (“SMART”) system to manage flights at Washington area airports. Beyer cited uncertainty among regional residents about air safety, and the lack of public awareness about the change. Air traffic controllers were also neither consulted nor trained, and airlines “were privately ‘panicking' about the hasty implementation of this system.” Beyer serves as co-Chair of the bipartisan Congressional Artificial Intelligence (AI) Caucus. His Northern Virginia district includes Ronald Reagan National Airport (DCA). ‘Misaligned' fan blades, loss of thrust caused Thunderbird F-16 crash The F-16CM aircraft that crashed on Dec. 3, 2025, in California was powered by a Pratt & Whitney F100-PW-229 turbofan. The pilot was rejoining the formation after a vertical loop/barrel roll sequence when the engine stalled. The pilot described it as “the jet just… stopped midair.” He fought the aircraft for roughly four minutes, then ejected at under 500 ft AGL. The Air Combat Command Accident Investigation Board [PDF] determined the mishap was caused by three misaligned or turned variable vanes in the engine’s 4th and 5th stages, which caused a 5th-stage compressor blade and a 6th-stage compressor blade to fracture and separate, resulting in catastrophic engine damage at low altitude with no ability to recover. The aircraft had a documented foreign object damage (FOD) event years earlier (2021, per Common Defense’s reporting) that produced damage in the 1st stage on three separate occasions, plus recovered foreign material at the 4th stage (paracord). Because the visible damage was upstream and nothing was seen in the sections preceding the 5th/6th stage core, that area was never inspected and the investigators concluded the FOD “substantially contributed” to the mishap by leaving a latent path for the vane misalignment to develop undetected. Variable vane actuators on the outside of an engine case. Image by Olivier Cleynen. Boeing flags 737 MAX software glitch: reports The software glitch identified can prevent pilots from accessing an automated navigation feature when they change their planned flight path after a missed approach. Pilots have been notified, and Boeing is working on a software update. The Air Current reports that the software issue emerged nearly two years ago. Boeing “was alerted by a customer in November 2024 to the potential issue affecting 737 models with flight management computer (FMC) updates U14 and 14.1… When a pilot alters their preprogrammed flight path following a missed approach, the FMC may transition from vertical navigation (VNAV) mode to a simpler level of automation for pitch control.” Crusoe abandons $1.25B plan to use Boom turbines at AI data centers In Episode 874, we looked at Boom Supersonic's plan to develop the land-based Superpower stationary powerplant as a derivative of its Symphony engine, generating a revenue stream to fund Boom's other operations. We cited reports that Crusoe Energy, an AI data center startup, had 29 Superpower units on order, valued at $1.25 billion, with delivery expected in 2027. Crusoe has now announced it will not pursue a deal with Boom. Boom Supersonic CEO Blake Scholl posted on X his congratulations to Crusoe on their latest funding round, and: “Also wanted to let everyone know Crusoe and Boom are no longer launching our Superpower turbine together. The TL/DR is that turbines are no longer part of Crusoe’s near term primary power mix at Abilene/etc., so a launch partnership just didn’t make sense.” Further, “Boom will be delivering about 250MW of Superpowers next year to other sites, and we’re targeting 1GW in 2028.” Trump ally Tuberville isn't kidding when he says US pilots are in a ‘club' of furry fetishists Senator Tommy Tuberville from Alabama claimed on the Senate floor that “many airline pilots, flight attendants and air traffic controllers are part of the furry community.” The International Anthropomorphic Research Project's Furscience website says “furries” are an anthropomorphic animal subculture. Members of this group adopt alter egos known as “fursonas” and wear “fursuit” costumes. Tuberville said, “We got a huge mental illness problem in this country, and we need to address it. We need to address it quick.” The IARP website says, “Furscience is the public face of the International Anthropomorphic Research Project (IARP), studying furries and their fandom and disseminating our evidence-based research to furries, the general public, scholars, and the media to increase understanding and decrease stigma.” Hosts this Episode Max Flight, our Main(e) Man Micah, Rob Mark, and David Vanderhoof.

The political landscape in British Columbia is heating up as Premier David Eby calls for a snap election set for October 24th. With the housing market in turmoil, Eby's recent proposals raise questions about their potential impact on real estate and how poorly the politicians have done around housing in BC

El mercado esta semana ha dado señales diversas a los inversores. De ir a buscar soportes a incluso llegar a atacar resistencias en algún momento. Sin embargo, lo más interesante está al otro lado del Atlántico, donde Wall Street navega a dos velocidades, mientras que la tecnología ataca máximos históricos el Dow Jones o el S&P equiponderado se alejan más de un 7% de los mismos, lo que invita a no dejarse deslumbrar por la fortaleza de la tecnología. 

Morgan welcomes author Aaron Deese to Supernatural Circumstances for an intriguing conversation about his new book, The Sasquatch Variable. Together, they explore the evidence, encounters, theories, and enduring mysteries surrounding one of the world's most elusive creatures. Is Sasquatch a hidden relic of the past, an undiscovered species, or something far stranger? Join Morgan and Aaron as they venture beyond the legend and examine the questions that continue to fuel our fascination with Bigfoot. READ Aaron's book: https://www.smalltownmonsters.com/shop/sasquatchvariable #bigfoot #smalltownmonsters #sasquatch #encounters #eyewitness Learn more about your ad choices. Visit megaphone.fm/adchoices

Season two of Where Should I Invest? kicks off with a new voice in the room. After 10 years and more than a million downloads, Sarah Larbi welcomes co-host Ryan Sweda, a US-based investor with seven DIY renovation projects and 50 acres of timber in western New York under his belt. Their first guest together is a show favourite: Matt Pickering, Mortgage Specialist at National Bank. Should you go fixed or variable today, and why? We dig into the questions you should be asking before making that decision. We also discuss loans from National Bank at bank rates that you could be eligible for, potentially reducing how much of your own money you need to use. What are these loans, and could you qualify? And if you're planning a BRRRR deal, a flip, or a renovation, you'll want to hear what has changed. Getting an “as complete” appraisal upfront could help take some of the guesswork out of your property's projected value after renovations. But that's just one piece of the conversation. You'll need to listen to the full episode for the other financing insights and changes you should know before your next deal. What could this mean for your numbers, your financing, and your next purchase?  Tune in to find out. Matt breaks down why fixed rates have been jumpier than variable this year, why he still likes variable for investors who can handle some risk, and how locking in actually works. He also walks through National Bank’s renovation loan, which finances your project based on a guaranteed future value before you swing a hammer. And he explains how the bank lets investors scale to 40 units when most lenders cap out at 8 to 12. “I’m not a no guy. I don’t wanna just say, ‘No, you don’t approve. See you later.’ It’s more, ‘Okay, this is what you want. Let’s look at qualification.'” Matt Pickering, Mortgage Specialist, National Bank This episode has been brought to you in part by: Ryan Carson, Carson Law – https://www.carsonlaw.ca/ or email ryan@carsonlaw.ca Connect with Matt Pickering: Phone/Text: 905-802-7788 Email: matthew.pickering@nbc.ca Key Highlights & Timestamps: [00:00] Season two begins: meet new co-host Ryan Sweda. [04:00] Matt’s read on the rate market heading into the end of 2026. [07:00] Variable vs fixed: who should choose which, and why first-time buyers may prefer a three-year fixed. [08:00] How locking a variable into a fixed rate works (and when it’s usually too late). [11:00] Why variable mortgages reward prepayments. [16:30] The renovation loan: financing based on a guaranteed after-repair value. [18:30] Why single-family to duplex conversions tend to return dollar for dollar or more. [21:00] Borrowing at 6.09% interest only with just 15% of the renovation cost on hand. [23:30] How National Bank counts ADUs in your total property value. [24:30] The 40-unit cap: four times the doors of most major banks. [27:00] Qualifying self-employed, incorporated investors on business net income. [29:30] Financing anywhere in Canada, plus options for permanent and temporary residents. [32:00] Matt’s number one piece of advice: start early. [36:30] Converting your current home into a rental and buying a new primary residence. [37:30] Why AI is a starting point, not a substitute for an expert. Disclaimer: Content provided is for educational purposes only and does not constitute financial, legal, or investment advice.The post Fixed or Variable? What You Need to Know BEFORE Financing Your Next Deal first appeared on Sarah Larbi Developments.

Aaron Deese, author of Sasquatch Variable and filmmaker with Small Town Monsters, joins the Sasquatch Experience for a deep dive into the mystery of Bigfoot, cryptid research, and what happens when the evidence refuses to fit neatly into the box.From strange encounters and field investigations to documenting the unexplained on film, Aaron brings a thoughtful—and sometimes unconventional—perspective to the Sasquatch phenomenon.GET YOUR SASQUATCH EXPERIENCE GEAR FROM THE SQUATCH PRO STORE!Sean Forker hosts SASQUATCH EXPERIENCE, which also features Matt Arner, James Baker, Vance Nesbitt, and Henry May.Creative Consultants: Matt Knapp (Bigfoot Crossroads) & Les Sincavage (Xplorers: Seekers of the Truth). Show Executive Producer: Brian CorbinSpecial Thanks to all our Patreons:The Experiencers: Jeffreylee Matthis, Got Knockers!, Larry Sharpe, Scott Dieterele, and Tom MihokTrackcasters:Cindy BrewerThe Hollers:Gail Frederick, David Hickernell, Matt Arner, Laurie Nelson, and Lori WorthingtonWithout their support, this show would not be possible. For as little as $2 per month, please consider becoming a supporter on PATREON.Our show intro music, “It Comes At Night” by Adam Dib, is licensed to us for commercial use. “9-11 Bigfoot Call” is also used under Fair Use. Sean Forker and Gabriel Forker are credited with the intro and exit voiceover work. Sasquatch Experience Trailer music, “It's in the Fog” by Darren Curtis, is used with permission and attribution. If you'd like to hear a particular topic or guest, EMAIL US! Check us out:Facebook | X | Instagram | SasquatchExperience.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/sasquatch-experience--4208641/support.Sasquatch Experience by Anomalis Entertainment, LLC  is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.Based on a work at https://www.spreaker.com/show/sasquatch-experience.Permissions beyond the scope of this license may be available at https://www.sasquatchexperience.com/permission.

Your variable speed pool pump is saving electricity, so why does the pool suddenly feel “different”? That's the gap we tackle head-on, using real service-world examples that homeowners and even experienced pool pros run into right after a VS pump install. When you drop from a single speed pump at roughly 3450 RPM to lower speeds like 1800 to 2400 RPM, the pool's surface velocity changes, skimming can feel weaker, and debris may not funnel to the skimmer the way you expect. Nothing is necessarily broken, but the behavior is different and it catches people off guard.I walk through the practical tradeoffs: automatic pool cleaners that crawl at low speed, water features and spillways that look underpowered unless you schedule a higher RPM block, and why a “medium speed” around 2600 RPM is often the real-world setting that makes equipment function the way customers want. We also get into the part that triggers the most pushback, longer runtime. A VS pump may need far more hours to deliver comparable circulation, and I share an easy way to explain that to customers and what I do when they refuse to see a pump running late.Then we go beyond performance into the stuff nobody puts on the box: sticker shock on VS pump pricing, expensive drive replacements, the added programming layer because the pump becomes its own timer, and how Department of Energy regulations have narrowed your choices. If you're trying to balance energy savings, water quality, cleaner performance, and customer expectations, you'll leave with a clear framework for setting RPM by pool size and scheduling speeds that actually match how the pool is used. Subscribe, share this with a pool owner or pool tech who's fighting a “too long runtime” complaint, and leave a review with your biggest VS pump question.We break down the real-world drawbacks people notice after switching from a single speed pump to a variable speed pool pump, even when the energy savings are undeniable. I share the issues that cause the most confusion, from weaker surface skimming to longer runtimes, plus how I program RPM based on cleaner needs and pool size.• reduced surface velocity at low RPM leading to less skimmer pull• why 1800 RPM can be a sweet spot for low speed• automatic cleaner performance limits at low speed and typical RPM ranges that work• water features and spillways looking weak unless you schedule higher speeds• explaining longer VS runtimes to customers and when to stop fighting it• why manufacturer “percentage savings” claims do not fit every pool• programming and scheduling complexity since the pump becomes the timer• higher price point, expensive drives, and why warranty support matters• Department of Energy regulations reducing consumer choiceAre you a Pool Service Pro looking to take your business to the next level? Join the Pool Guy Coaching Program. Learn more at swimming poollearning.com. If you're looking for other podcasts, you can find those on my website, swimmingprolearning.com. And if you're interested in the coaching program, you can learn more at pullguycoaching.com.Send us Fan MailSupport the Pool Guy Podcast Show Sponsors! HASA  REWARDS Apphttps://hasa.com/hasa-appThe 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/F9YoTWNQ8WnvT4QBA Support the showThanks for listening, and I hope you find the Podcast helpful! For other free resources to further help you:Visit my Website: https://www.swimmingpoollearning.comWatch on YouTube: https://www.youtube.com/@SPLPodcast Site: https://the-pool-guy-podcast-show.onpodium.com/UPA General Liability Insurance Application: https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching GroupJoin an exclusive network of Pool Service Technicians to access the industry's leading commercial general liability insurance program. Protect your business.Premium is $64 per month per member (additional $40 for employees and ICs)$59 per month for Pool Guy coaching Members - join here! https://www.patreon.com/poolguycoachingLimits are $1,000,000 in occurrence and $2,000,000 in the aggregate - Per member limits     [ $1,000,000 per occurrence and $4,000,000 aggregate available for $75 per month ]$50,000 in HazMat Coverage - clean up on-site or over-the-roadAcid Wash Coverage - Full Limits

The US & Canada are tied together whether you like it or not...but does it mean Canadian rates always go up (or down) with the US?I broke down what's going to happen, what has happened & What to do in todays video:

They didn't just discontinue a few random SKUs. They retired products that pool pros actually relied on, and that raises a bigger question: what makes a manufacturer walk away from a cleaner or filter that still works? We unpack the real-world reasons behind “dead” pool products, starting with Pentair's decision to discontinue a long list of suction side pool cleaners, including the famous Creepy Crawly, and whether variable speed pumps are truly to blame or just a convenient narrative.From there, we do a practical teardown of the Pentair 4000 series DE filter. We talk about what it got right for serviceability, why the rotor valve became a costly pain point, and how issues like a heavy cracking lid, UV wear on fiberglass, and an old-school clamp design can quietly doom a product over time. This is the kind of equipment history that helps pool service techs troubleshoot older pads and explain upgrade paths to customers with confidence.We also zoom out to pressure-side cleaners, booster pump requirements, and why newer “innovations” sometimes lose to proven classics like the Polaris 280. Finally, we look at the market shift toward robotic pool cleaners and why discontinuing a lead-in product can ripple into pump, filter, and automation sales. If you've ever wondered why the pool industry changes so fast, this conversation connects the dots.Subscribe for more pool industry insights, share this with a pool pro who'll have opinions, and leave a review with the one discontinued pool product you wish would come back.We dig into why once-iconic pool products get discontinued, even when they still perform well in the field. We weigh real-world service experience against manufacturer reasoning and look at how product strategy can quietly reshape a brand's market share.• Pentair suction cleaner discontinuations and what stayed• Variable speed pumps versus suction requirements in practice• Why the Little Rebel likely disappeared• Pentair 4000 series DE filter strengths and failure points• Rotor valve wear, heavy lids, UV damage, and clamp design• TriVac pressure cleaner relaunch problems including price and performance• Booster pump energy use and why builders moved away• Why the Polaris 280 design keeps winning• Pentair's missed opportunity in robotic pool cleaners• Why “lead-in” products influence pump and filter buying decisions• Revamp versus scrap and what smart redesign looks likeJoin the pool guy coaching program. Learn more at swimmingpoollearning.com. If you're looking for other podcasts, you can find those by going to my website, swimmingpoollearning.com. If you're interested in the coaching program, you can learn more at poolguycoaching.com.Send us Fan MailSupport the Pool Guy Podcast Show Sponsors! HASA  REWARDS Apphttps://hasa.com/hasa-appThe 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/F9YoTWNQ8WnvT4QBA Support the showThanks for listening, and I hope you find the Podcast helpful! For other free resources to further help you:Visit my Website: https://www.swimmingpoollearning.comWatch on YouTube: https://www.youtube.com/@SPLPodcast Site: https://the-pool-guy-podcast-show.onpodium.com/UPA General Liability Insurance Application: https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching GroupJoin an exclusive network of Pool Service Technicians to access the industry's leading commercial general liability insurance program. Protect your business.Premium is $64 per month per member (additional $40 for employees and ICs)$59 per month for Pool Guy coaching Members - join here! https://www.patreon.com/poolguycoachingLimits are $1,000,000 in occurrence and $2,000,000 in the aggregate - Per member limits     [ $1,000,000 per occurrence and $4,000,000 aggregate available for $75 per month ]$50,000 in HazMat Coverage - clean up on-site or over-the-roadAcid Wash Coverage - Full Limits

Tras caer hasta la zona de soportes, las bolsas han logrado reaccionar y alejarse de esta zona de riesgo. Para los inversores, se aleja también la posibilidad de ver una mayor corrección que abriera una oportunidad de entrada. Hasta entonces, se recomienda esperar pero con el dedo en el gatillo como un francotirador, con paciencia. 

The Experience Strategy Podcast | theexperiencestrategist.substack.com Part three of a four-part mini-series unpacking the frameworks in Dave Norton's new book, Human Context: How Intelligent Companies Build Customers. Most companies build their entire models around habits and routines. But the number one behavior people exhibit today isn't a habit or a routine — it's mode acquisition. People move fluidly between modes all day, they're fluent in the language of them ("I'm in writing mode, don't talk to me"), and they expect the companies they interact with to understand where they are. Most companies don't. This episode explains what modes are, how they connect to situational markets, and why knowing someone's mode tells you more about how to serve them than any demographic ever could. What's in This Episode The definition that matters most — and it's one word. A mode is a mindset and a set of behaviors that a person gets into temporarily. That last word is what separates modes from habits (permanent patterns) and routines (permanent structures). Right now, the three hosts are in podcast mode. When they hit stop, they won't be. Joe takes a different tone between episodes. Aransas's voice changes. Dave gets Joe's "I'm in writing mode" texts. People are already living this way — the framework just names what's happening. The ballpark and the batter. To connect modes back to the last episode: if situational markets are the ballpark — the bounded context, the market you're going after — then modes are the batter. The same situation can contain many different modes. Two people can both be in the situation of choosing a college for their daughter. One is in full mommy mode — relational, emotionally loaded, cross-domain in its implications (financial, personal, professional, aspirational). Another is an adult returning to education for themselves, in a more self-directed, pragmatic mode. Same situational market. Completely different mode. Completely different support needed. Joe's extension makes it even richer: everyone on the field is in a different mode at every moment. The batter stepping up with a runner on third is in a different mode than when he's in the dugout. And if you know someone's in dugout mode — Dave's point is clear — sunflower seeds are your product. Modes cross demographics. That's the whole point. Aransas in mommy mode could be any age, any income, any geography. The mode — not the demographic — tells you what she needs. Joe names the full stack of jobs that mode carries with it: functional, emotional, social, and aspirational. Know the mode, and you know the context. Know the context, and you can personalize in a way that demographic data never allows. How modes, situations, and jobs connect. The three frameworks work together as a system. Jobs to be done describes what the customer needs broadly — the functional, emotional, social, and aspirational outcomes they're hiring for. Situational markets describe the bounded context: the when-statement, the market that's been identified and sized. Modes describe how — the specific mindset, energy, and intention the person brings to that moment. Dave's summary: situation tells you the market, mode tells you how they're experiencing their time within it. Know all three, and you have context that's genuinely actionable. Why modes replace personas — and why that matters. Personas imply a static, monolithic person. Modes are the opposite: dynamic, contextual, temporary. A person is not their persona. They are whoever they are in this moment, in this situation, in this mode. That concept changes what you build, what you say, and how you show up. The mode map in Human Context gives companies a practical tool: map your specific situations to the modes customers are likely to enter, and build for those combinations rather than for a type of person. Most companies are leaving this on the table. Dave has been developing the modes framework for over a decade. He remains genuinely surprised that more companies don't use it — especially now, when the language of modes is so embedded in how people describe themselves. The person who texts "I'm in writing mode" is handing you a direct signal about their context. Most companies have no system for receiving it.   Get the Book Human Context: How Intelligent Companies Build Customers by Dave Norton is available now on Amazon (Kindle and print) and on Dave's Substack. The book includes a mode map framework and industry-specific workbooks showing how to apply modes, situational markets, and the other frameworks to your category. Find the hosts by name or as The Experience Strategist at theexperiencestrategist.substack.com.

The Fastest Motor Man in the Land is Back from another stunning victory. This time from Whip It RC Raceways WHIP FEST! The Boys also chat about Variable Drive Frequency, and the coming event schedule.Have suggestions for the show, or want to Enter to Win Free RC Stuff?  - Email us!  RCStuff@Hobbywing.comDon't forget to check out the Hobbywing Official Youtube Channel : https://www.youtube.com/c/HOBBYWINGOfficial

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

This week's episode is dedicated to remembering our dear colleague and friend Rodney Charters, ASC, who passed away in Amsterdam during the show – we will dedicate more time to him in an upcoming episode. We work through Johnnie's first hands-on demo of our SmallRig x CineD OrBrella prototype and the 200 pre-orders that sold out in just days, all the winners of our CineD Best-of-Show Awards at IBC 2026 – from the Adobe After Effects AI Assistant and the Deity PR-4 to the Aputure STORM CS32, NANLUX Matrix 2500C, Atomos Shinobi 7 II and Hollyland Pyro 7 Ultra – the Teradek Bolt 7, Sony's DWX Gen 4 and its US patent problem, the iPhone 18 Pro and iPhone Duo, SmallRig's iPhone 18 cinema kit, the latest Pixboom Spark update, the Canon EOS R8 Mark II, Tilta's Pyro 7 Ultra cage, the SNAPGRID Core, SmallRig's Nano power banks, the Saramonic WiTalk Base, Angelbird's new CFexpress Type A v4 cards and a new MZed Storytelling Session. This Episode is Sponsored by Hollyland. Check it out at (00:18:36) ►Learn more: http://cined.co/lwhjQk Topics and Chapters in this Episode: (00:00:00) Intro   (00:05:33) SmallRig x CineD OrBrella Light Introduced – 60W Umbrella-Style Light That Deploys in Five Seconds https://www.cined.com/smallrig-x-cined-orbrella-light-introduced-60w-umbrella-style-light-that-deploys-in-five-seconds/   (00:21:14) Winners Announced – CineD Best-of-Show Awards at IBC 2026 https://www.cined.com/winners-announced-cined-best-of-show-awards-at-ibc-2026/   (00:28:42) Deity PR-4 Detailed – Six Tracks, Wireless Timecode Master, and Dual-Media Recording https://www.cined.com/deity-pr-4-detailed-six-tracks-wireless-timecode-master-and-dual-media-recording/   (00:37:03) OWC Thunderbolt 5 Dock with Dual HDMI Introduced – Two HDMI 2.1 Ports, 140W Laptop Charging, Full-Speed Downstream Storage https://www.cined.com/owc-thunderbolt-5-dock-with-dual-hdmi-introduced-two-hdmi-2-1-ports-140w-laptop-charging-full-speed-downstream-storage/   (00:40:28) DZOFILM Arles Zooms Announced – 25-75mm and 65-180mm T2.6 With Prime-Matched Color https://www.cined.com/dzofilm-arles-zooms-announced-25-75mm-and-65-180mm-t2-6-with-prime-matched-color/   (00:42:03) Aputure STORM CS32 Explained – 3,200W of Full Color From a Household Outlet https://www.cined.com/aputure-storm-cs32-3200w-of-full-color-from-a-household-outlet/   (00:44:12) NANLUX Matrix 2500B and Matrix 2500C – First Look https://www.cined.com/nanlux-matrix-2500b-and-matrix-2500c-first-look/   (00:45:14) Atomos Shinobi II Wins One of Two Awards in the Category “Monitors” (Interview video will follow)   (00:46:59) Hollyland Pyro 7 Ultra Explained – 4K60 Transmission, 20ms Latency, Camera Control From the Receiver https://www.cined.com/hollyland-pyro-7-ultra-explained-4k60-transmission-20ms-latency-camera-control-from-the-receiver/   (00:48:52) Teradek Bolt 7 Introduced – 6GHz Zero-Delay Wireless Video, 900MHz Radio for Camera Control, and More https://www.cined.com/teradek-bolt-7-introduced-6ghz-zero-delay-wireless-video-900mhz-radio-for-camera-control-and-more/   (00:53:02) Sony DWX Gen 4 Wireless System Detailed – 32-Bit Float Recording, 1.1ms Latency, and a 30% Price Cut https://www.cined.com/sony-dwx-gen-4-wireless-system-detailed-32-bit-float-recording-1-1ms-latency-and-a-30-price-cut/   (00:56:49) Apple iPhone 18 Pro and 18 Pro Max Announced – Variable Aperture Main Camera, New Sensor, Pro Controls, Plus the Foldable iPhone Duo https://www.cined.com/apple-iphone-18-pro-and-18-pro-max-announced-variable-aperture-main-camera-new-sensor-pro-controls-plus-the-foldable-iphone-duo/   (01:07:23) SmallRig iPhone 18 Cinema Kit Introduced – HawkLock Cage, 67mm Screw-On Filters, $190 All-in-One Kit https://www.cined.com/smallrig-iphone-18-cinema-kit-introduced-hawklock-cage-67mm-screw-on-filters-190-all-in-one-kit/   (01:09:42) Pixboom Spark Updated – Pre-Record, Browser Remote Control, and 12-Bit RAW in Development https://www.cined.com/pixboom-spark-updated-pre-record-browser-remote-control-and-12-bit-raw-in-development/   (01:14:24) Canon EOS R8 Mark II Announced – 24.2MP Full-Frame, IBIS, and Oversampled 4K60p https://www.cined.com/canon-eos-r8-mark-ii-announced-24-2mp-full-frame-ibis-and-oversampled-4k60p/   (01:17:45) Tilta Monitor Cage for Hollyland Pyro 7 Ultra and Integration with Nucleus-M II Demonstrated https://www.cined.com/tilta-monitor-cage-for-hollyland-pyro-7-ultra-and-integration-with-nucleus-m-ii-demonstrated/   (01:19:53) DoPchoice/Ellar Works SNAPGRID Core Modifier for ARRI Omnibar and Astera Titan Tubes Explained https://www.cined.com/dopchoice-ellar-works-snapgrid-core-modifier-for-arri-omnibar-and-astera-titan-tubes-explained/   (01:21:53) SmallRig Nano36 and Nano72 Introduced – Rig-Mountable Power Banks With Retractable USB-C https://www.cined.com/smallrig-nano36-and-nano72-introduced-rig-mountable-power-banks-with-retractable-usb-c/   (01:23:47) Saramonic WiTalk Base Detailed – 64-User Scaling, IP66 Rugged Design, and 700m Range https://www.cined.com/saramonic-witalk-base-detailed-64-user-scaling-ip66-rugged-design-and-700m-range/   (01:26:42) Angelbird AV PRO CFexpress Type A v4 Explained – VPG800 Certification, Up to 1.6TB, and Roman Rabitsch on the Storage Crisis https://www.cined.com/angelbird-av-pro-cfexpress-type-a-v4-explained-vpg800-certification-up-to-1-6tb-and-roman-rabitsch-on-the-storage-crisis/   (01:28:47) Breaking the Framing Rules – New “Storytelling Sessions” Recording Now Available on MZed https://www.cined.com/breaking-the-framing-rules-new-storytelling-sessions-recording-now-available-on-mzed/   Which IBC winner would you have picked? Leave a comment below, write to us at podcast@cined.com, and subscribe to Focus Check wherever you listen to podcasts.

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Apple finally enters the foldable fray with the iPhone Duo, packing unexpected features and a lower-than-expected price. Find out what's actually inside and if it's worth leaving your classic iPhone behind. iPhone 18 Pro/Pro Max colors, pricing, and 1st impressions Variable aperture camera tech benefits, marketing, and durability concerns Battery life and ultra-fast charging impress for Pro iPhones A20 Pro processor with advanced neural engine and vapor chamber cooling Dynamic Island hardware and software upgrades iPhone Duo: Apple's first folding phone, hardware, and price iPhone Duo durability, hinge design, dust/water resistance, and case compatibility Camera features on Duo: under-display camera, selfie tricks, and photography upgrades iOS 27 on Duo: Side dock, split view, app pairs, and standby mode Battery stats, charging, eSIM, and cases on the Duo Apple Watch Series 12/Ultra 4: new health sensors, improved heart tracking, and battery Live Rewind and Siri Recap: AI-driven audio/smartwatch features and privacy Apple Health app redesign: insights, movement evaluations, and proactive alerts AirPods 5: ANC for all models, color, pricing, and battery App Caps: Athlytic and Splitwise Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsors: trustedtech.team/twit horizon3.ai/iostoday

Avec : Carine Galli, journaliste. Pierre Rondeau, économiste. Et Morad Aït-Habbouche, journaliste et réalisateur. - Toujours accompagnée de Charles Magnien et sa bande, Estelle Denis s'invite à la table des français pour traiter des sujets qui font leur quotidien. Société, conso, actualité, débats, coup de gueule, coups de cœurs… En simultané sur RMC Story.

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Mortgage Rates Are Rising: How Real Estate Investors Should Prepare Mortgage rates are moving higher again. For real estate investors, that raises an obvious question: What should you actually do about it? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby are joined by investor-focused mortgage broker Keaton Kirkwood of Kirkwood & Brennan Mortgage Group to break down what is happening with rates, why fixed mortgage rates are already reacting, how variable-rate borrowers should think about the next several months, and how investors can protect their portfolios before higher borrowing costs become a problem. The biggest message: You cannot control interest rates. But you can control how prepared your portfolio is for them. Why Rates Are Moving Keaton explains that there are two major forces investors need to understand: Bond yields and The Bank of Canada overnight rate Bond yields react in real time to market expectations, global capital flows and inflation. Fixed mortgage rates are heavily influenced by bond yields. The Bank of Canada overnight rate, on the other hand, directly affects prime-based borrowing products such as variable-rate mortgages and HELOCs. Keaton points out that bond yields have already moved higher. That means fixed mortgage rates can increase even before the Bank of Canada changes its overnight rate. Why the U.S. Matters The conversation also covers what happens when the United States raises rates. Canada does not operate in isolation. If other major economies increase rates while Canada does not, that can put downward pressure on the Canadian dollar. A weaker dollar can make imported goods more expensive. That can contribute to inflation. Eventually, Canada may be forced to respond. Keaton compares global economies to a conga line. The largest economies are closer to the front. Canada is somewhere in the middle. We do not control the direction of the entire global financial system. This Is Not the First Time Wayne points out that investors have seen versions of this before.     Inflation. Rising rates. Higher mortgage payments. Financing stress. The causes may change. The pattern does not. That is why the goal should never be to perfectly predict rates. The goal is to build a portfolio that can survive when rates move against you. Higher Oil Prices Could Help Alberta There is one interesting wrinkle. The current inflation pressure being discussed is connected partly to geopolitical conflict and rising energy prices. Higher oil and gas prices are painful for consumers. But Alberta can sometimes benefit economically from stronger energy prices. That may support: Employment Investment Migration Housing demand Property values Keaton cautions that the effect is not equally positive for everybody. A drilling contractor may benefit directly. A teacher or accountant may not. Still, Alberta can sometimes perform relatively well during periods when global energy prices rise. What Investors Should Do Now Wayne asks the question most investors actually care about: Should you pause? Wait? Switch mortgage products? Rush to refinance? Keaton's answer: It depends on when you are exposed to higher rates. If you are in a variable mortgage, you should be paying attention now. If you have a fixed mortgage renewing within approximately 18 months, you should be paying attention. If you locked into a relatively high fixed rate previously, it may also be worth reviewing whether restructuring creates an advantage. That does NOT automatically mean you should refinance. It means you should investigate. Keaton's Four Pillars When deciding whether to restructure a mortgage, Keaton recommends evaluating four things: Cost Qualifying power Risk Tax efficiency If a change improves three or four of those areas, it may be worth considering. If the only benefit is saving $50 per month but it costs $15,000 to make the change, that may not make sense. The decision needs to improve the overall portfolio. Know Your Break-Even Interest Rate One of the most important pieces of advice from today's episode: Know the interest rate at which each property stops cash flowing. Then calculate the same number for your entire portfolio. For example: What happens if rates increase 0.25%? How much does that reduce monthly cash flow? What about another 0.25%? And another? At what point does the property become cash-flow neutral? At what point does the entire portfolio require money from your pocket? Investors should know these numbers before the rate increase arrives. Stress-Test the Portfolio Keaton recommends going even further. Calculate the impact of each quarter-point rate increase. If every 0.25% increase costs your portfolio $300 per month, you can quickly determine how much room you have. Maybe your portfolio can absorb: Three increases. Five increases. Seven increases. The specific number matters less than knowing it. Uncertainty creates fear. Knowing the numbers creates a plan. Cash Flow Is Your Protection Wayne comes back to the 5% Rule™. The reason he places so much emphasis on buying strong cash-flowing properties is not because high cash flow simply feels good. Cash flow creates safety. If interest rates rise: You have room. If rents temporarily fall: You have room. If expenses increase: You have room. If vacancy rises: You have room. The investor who bought a property with almost no cash-flow cushion can be wiped out much faster. The 5% Rule™ Wayne created the 5% Rule as a simple minimum cash-flow test for Canadian real estate investors. Its purpose is to ensure investors are not buying properties with such thin margins that one market change destroys the investment. Search: The 5% Rule by Wayne Hillier on Amazon. Longer Amortizations Can Reduce Risk Keaton also explains why he often prefers longer amortizations on investment properties. Longer amortization means: Lower mortgage payments. Higher cash flow. Greater ability to absorb rate increases. More liquidity. That does not mean you can never pay the mortgage down faster. You can use prepayment privileges if you want to accelerate the mortgage later. But starting with a longer amortization gives the investor more flexibility. Don't Rush to Pay Off Tax-Deductible Debt Another important point: Not all debt costs the same. Interest on qualifying investment debt may be tax deductible. Interest on your principal residence generally is not. That means a 5% tax-deductible investment mortgage may effectively cost less after tax than a 4% non-deductible home mortgage. Keaton's view is that investors should generally prioritize paying down more expensive non-deductible debt before aggressively eliminating tax-deductible investment debt. Always confirm the tax treatment with your accountant. Variable vs Adjustable Rate Mortgages Keaton also explains an important distinction. An adjustable-rate mortgage changes the payment as rates move. A variable-rate mortgage with a fixed payment keeps the payment the same, while the amount going toward principal changes. For an investor concerned primarily with cash flow, a fixed-payment variable structure can provide more predictability. The specific product still needs to fit the investor's goals. What About Leverage? One listener asks how to hedge rising variable rates when heavily leveraged. Keaton explains that loan-to-value is only part of the picture. For cash flow, amortization can be more important. An investor could have relatively low leverage but a very short amortization and therefore extremely high monthly payments. That investor may actually be more exposed to rate pressure than someone with more leverage and much lower payments. The real question is: How much cash flow does the debt structure require every month? Liquidity Matters Keaton also recommends maintaining liquidity. Cash reserves can make an enormous difference during periods of rising rates. An extra $20,000 or $30,000 in accessible reserves can give an investor time to work through: Higher payments Vacancies Repairs Refinancing Renewal timing Selling an underperforming property Liquidity gives you options. Should You Sell a Weak Property? Keaton gives an example. Imagine your portfolio is healthy until rates reach 6%. But one property is already barely cash-flow neutral today. That property may deserve a closer look. If rates rise further, it could become significantly negative. The question becomes: Does that asset have another compelling reason to hold it? Or would selling it now strengthen the entire portfolio? Asset management means evaluating each property individually, not blindly holding everything forever. Don't Let Rates Stop You From Buying The goal of today's conversation is NOT: "Rates are going up, so stop investing." It is: Understand the risk. Prepare for it. Then continue executing the plan. Higher rates can change the numbers. They can change which properties make sense. They can change financing strategies. But they do not automatically eliminate good real estate opportunities. Remote Property Management Course – 50% Off This Week Wayne and Gabby also discuss the response to Gabby's Remote Property Management Course. The eight-module course teaches the systems Wayne and Gabby use to manage their own rental portfolio remotely without personally attending every property issue. This week, the course is available for: 50% off Use code: 50OFF at: www.reimasters.ca About Keaton Kirkwood Keaton Kirkwood is an investor-focused mortgage broker with Kirkwood & Brennan Mortgage Group. He works with Canadian real estate investors on financing structures designed to protect cash flow, preserve future borrowing power and avoid mortgage decisions that make the next acquisition harder. www.kbmortgages.ca keaton@kbmortgages.ca REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, financing, market selection, joint ventures, property management and building a profitable Canadian real estate portfolio. www.reimasters.ca Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions: info@reimorningshow.com Upcoming Event REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

Investor Q&A: Garden Suites, Ontario Real Estate, Exit Plans & More Today's episode of the Canadian Real Estate Investing Morning Show is a full investor Q&A. Wayne and Gabby answer questions live from Canadian real estate investors about: How to eventually exit a real estate portfolio Capital gains and tax planning When to use a financial planner Ontario real estate investing Variable vs fixed mortgage rates Corporations and rental properties Saskatchewan real estate Garage door replacement costs Assignment deals Edmonton garden suites And how investors can use education to recognize opportunities faster The biggest theme throughout today's show is simple: Ask better questions, get better information, and keep moving forward. What Does an Exit Plan From Real Estate Look Like? Craig asks: What is a realistic exit plan when you're done investing in real estate? Or are you ever actually done? Wayne's answer depends heavily on what the investor wants next. Some investors may want to: Sell everything Convert the portfolio into cash Move into lower-maintenance investments Create retirement income Keep real estate but simplify Hand assets down to family Continue holding for cash flow If the plan is to fully liquidate, Wayne recommends building the plan with the right professionals before selling. That could include: An investor-focused accountant A qualified financial planner A wealth-planning professional A real estate coach who understands long-term portfolio planning The key is knowing what the money is supposed to do after the properties are sold. Don't Forget the Tax Bill Wayne emphasizes that investors should not assume every dollar from a property sale becomes spendable cash. There may be: Capital gains tax Capital cost allowance recapture Legal fees Realtor commissions Mortgage discharge costs Other closing costs If you sell several properties at once, those tax implications can become significant. Talk to an investor-focused accountant before liquidating so you know what your actual net proceeds will be. Selling Is Easy. Planning What Happens Next Is Harder. The mechanics of selling real estate are relatively straightforward. Hire the appropriate broker or realtor. List the properties. Sell them. The harder part is deciding what happens to the capital afterward. If somebody sells a portfolio and ends up with several million dollars, they need to know whether that money is intended to: Grow. Generate income. Preserve wealth. Fund retirement. Support family. Or move into another investment vehicle. The answer should be based on the investor's goals, not a generic product recommendation. Be Careful Who You Take Financial Advice From Wayne also warns investors to be cautious with titles like: "Wealth planner." "Investment strategist." "Financial expert." A title does not automatically mean somebody has real experience. Make sure the person has actual qualifications and understands what you are trying to accomplish. The goal should be building the right plan, not simply moving your money into whatever product that person happens to sell. Kyla and Fabian Complete Their First Assignment Deal Kyla shares a big win during the live show. She and Fabian recently completed their first wholesale assignment. The deal came through a lead-generation system they originally built to find properties for their own fix-and-flip business. Normally they would have purchased the property, renovated it, and sold it. Instead, they recognized a different opportunity. They assigned the contract to another investor for: $10,000. No renovation. No construction risk. No holding costs. No resale risk. Just fast cash. Wayne explains that this is exactly what happens when investors understand multiple strategies. As Barry McGuire says: "If you understand the strategies, you recognize the opportunities." Pivoting vs Giving Up Wayne also talks about why he generally dislikes the word "pivot." Too often, people use "pivot" to describe quitting when something gets difficult. They start moving toward one goal. Hit resistance. Then change direction. Hit resistance again. Change direction again. Eventually they never reach any destination. That is different from recognizing a genuinely better path. Kyla and Fabian were not abandoning their business. They recognized that assigning the contract produced a faster, easier return with less risk. That is not quitting. That is making a better business decision. Garage Door Replacement Costs A live viewer asks about the rough cost of replacing a garage door. Wayne estimates approximately: Single garage door supplied and installed: $2,000–$2,700 plus applicable tax Insulated double garage door supplied and installed: Approximately $2,700–$3,500 plus applicable tax Labour-only costs may vary significantly by contractor and location. These are rough estimates and should be confirmed locally. Would Wayne Invest in Ontario? Another listener asks: What do you think about Ontario real estate? Would you invest there? Wayne's short answer: He has researched it. But he does not personally want to operate a rental-property business there. The biggest issue is not necessarily the individual property. It is the regulatory environment. One of Wayne's core investment fundamentals is investing in a jurisdiction that supports the operation of the business. If the landlord and tenant laws create too much operational risk, that can be enough for Wayne to move on. Real Estate Is a Business Wayne explains the distinction again: He is not simply buying an asset and hoping it goes up in value. He is operating a rental business inside that asset. That means the laws governing the business matter. If the province limits: Rent increases Lease termination Enforcement Non-payment remedies Control over the asset Then that becomes a major part of the investment risk. Ontario Real Estate Is in an "Ice Age" Wayne describes much of Ontario's real estate market as being in an "ice age" right now. That does not mean every market in Ontario is identical. It means affordability has become severely disconnected from property values in many areas. After the pandemic, very low borrowing costs and pent-up demand caused prices to accelerate rapidly. Prices then moved beyond what many households could realistically afford. Now the market needs time to rebalance. Wayne believes the long-term opportunity may return, but affordability, borrowing costs and income all need to move back into a healthier relationship. Garden Suites Explained Another listener asks: How do garden suites work? A garden suite is an additional residential unit built on the same property as an existing house. It can be: Ground-level Above a garage A garage suite A duplex-style garden suite Multiple units, where municipal rules allow The exact rules depend on the municipality. Edmonton's Garden Suite Opportunity Wayne explains that Edmonton currently offers a very unusual opportunity because recent zoning changes allow multiple garden-suite units on certain lots. This allows investors to do something that is not currently possible in the same way in most Canadian cities. Instead of simply building one small backyard suite, investors may be able to create: Duplex garden suites Multiple ground-level suites Multi-unit garage suites Four-plex garden suites Wayne and his team recently completed their first four-plex garden-suite project. Why Wayne Built Edmonton Garden Suites Wayne explains that he began developing this strategy when he saw traditional investment opportunities becoming harder to find. He spent approximately two years working through: Design Zoning Permits Construction Builder selection Cost control Financing Appraisal strategy Rental projections The result became Edmonton Garden Suites. Four-Plex Garden Suites Wayne says the multi-unit model is where the investment economics become substantially more attractive. Rather than building one unit in the backyard, multiple units create much more rental income. Wayne says certain projects may be able to create approximately: $250,000 in equity upon completion with some projects potentially creating even more. He also discusses potential cash flow of more than: $1,500 per month when the right property, development model and financing are used. These results are project-specific and depend heavily on acquisition cost, construction cost, financing, appraisal, rents and execution. Edmonton Garden Suites Is a Limited Window Wayne believes this opportunity exists because of current City of Edmonton zoning rules. Those rules can change. If the city changes the rules in the future, the strategy may no longer be available in its current form. That is why Wayne sees the current period as a window of opportunity. For more information: www.edmontongardensuites.com Should Rental Properties Be Owned in a Corporation? A listener asks: How many rental properties should you own before creating a corporation? Wayne's answer: Zero. For passive rental properties, Wayne generally prefers personal ownership or joint ventures using personal ownership where possible. His view is that corporate ownership often creates less favourable tax treatment for passive rental income. He says corporate ownership can become relevant when an investor can no longer qualify personally or when the structure is required for another reason. Before making any ownership decision, investors should speak with a qualified accountant and lawyer about their specific situation. Variable or Fixed Rates? A listener asks whether they should move out of variable-rate mortgages. Wayne explains that he personally remains in variable mortgages. He does not present that as a recommendation for everyone. The correct financing decision depends on: Risk tolerance Cash flow Portfolio structure Time horizon Future purchases Mortgage terms Personal financial situation Tomorrow's Morning Show will feature investor-focused mortgage broker Keaton Kirkwood to discuss rising fixed rates and how investors can prepare their portfolios. What About Saskatchewan? Wayne says he likes Saskatchewan. He believes Regina and Saskatoon can offer strong real estate and rental fundamentals. But if he compared Saskatchewan with Alberta today, he would still choose Alberta. His reasoning is simple: If two markets are relatively close in quality, Wayne prefers investing in the market that currently produces the strongest overall result. He will continue investing there until that changes. Then he will move to the next market. Tomorrow: Rising Interest Rates Tomorrow's Morning Show will feature: Keaton Kirkwood of Kirkwood & Brennan Mortgage Group The conversation will focus on rising fixed mortgage rates and what real estate investors can do to: Protect cash flow Prepare for renewals Structure financing Continue buying Avoid letting higher borrowing costs derail the long-term plan REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, financing, market selection, joint ventures, wholesaling, property management, garden suites and building a profitable Canadian real estate portfolio. www.reimasters.ca Edmonton Garden Suites Learn more about Wayne's multi-unit Edmonton garden suite strategy: www.edmontongardensuites.com The 5% Rule™ Learn Wayne Hillier's rental-property cash-flow framework. Search The 5% Rule by Wayne Hillier on Amazon. Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions: info@reimorningshow.com Upcoming Event REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

A well-structured mortgage can help you pay less interest, keep more flexibility and put you in a stronger position for whatever you want to do next.  That could mean upgrading your home, buying an investment property, freeing up more money to invest or putting your emergency fund to work. But with offset accounts, redraw facilities, fixed rates, variable rates and split loans all on the table, working out the best setup is rarely as simple as choosing the lowest rate.  In this episode, Nick is joined by mortgage broker Aydin Gulmen to explain how to structure your home loan so you can reduce the interest you pay, keep your savings accessible and avoid limiting your future borrowing or investment plans.  They compare offset and redraw facilities, fixed and variable rates, and the factors that determine how much a lender may allow you to borrow. You will also learn how your credit cards, deposit and choice of loan features can affect your borrowing power, repayments and overall cost.  Inside this episode:  The offset-versus-redraw decision that could affect your future investing and property plans  Why offset and redraw can look almost identical now but produce very different consequences later  The mortgage decision that could come back into play if your home becomes an investment property later  The costly risk people often overlook when choosing the certainty of a fixed rate  The everyday financial facility that may be reducing how much you can borrow  Why your true borrowing capacity could be very different from the number you found online  Are you in your 30s or 40s and ready to put yourself in a stronger financial position?  Your mortgage is one part of the picture. Wealth Builder helps you work out how your home loan, investments, super and spare cash can work together to build the future you want.  Find out more about Wealth Builder  You can find Aydin on Linkedin here.  Visit our website here https://www.guidancefs.com.au/ and you can also find all our links here.  General advice disclaimer 

Send us Fan MailWhat happens when work stress follows you home and everyone in the family is running on low emotional capacity? Josh and Amanda talk marriage, parenting, mental overload, stress eating, checking out, overstimulation, and the strange little things that help when your brain has simply had enough.Along the way, they ask about food temperature, the therapeutic possibilities of going to bed absurdly early, and whether a household can legally declare that it is no longer accepting new information.It's an episode about stress, coping, marriage, and finding a little hope when everybody's internal “please do not introduce a new variable” light is blinking.Super Familiar with The Wilsons  Find us on instagram at instagram.com/superfamiliarwiththewilsonsand on YoutubeContact us! familiarwilsons@gmail.comA Familiar Wilsons Production

Human Design in Real Life: How a Quad Right Manifesting Generator Builds Multiple BusinessesWhat does it actually look like to use Human Design when you're making a major business decision - not merely talking about it in theory?In this special Behind the Mic episode of Unjaded, the tables are turned. Leadership coach, facilitator and fellow Emotional Manifesting Generator Cat Matson interviews Human Design Business Strategist and serial entrepreneur Vickie Dickson about opening Blue Sparrow, her new bricks-and-mortar resale store.Vickie shares why she chose to open a physical retail business when she already had an established online Human Design and business-strategy practice—and why the decision made very little sense on paper.This isn't a polished story about receiving perfect clarity and never doubting yourself again. Vickie talks candidly about Emotional Authority, the fear that can remain after a decision, and the subtle moment when she becomes unattached enough to either outcome to recognize her clarity.She also explains how being a Quad Right, 2/4 Emotional Manifesting Generator affects the way she processes information, recognizes business problems, manages multiple interests and knows when she needs to withdraw from the world for a while.Cat and Vickie explore Manifesting Generator energy, unconventional forms of rest, the pressure to prove you've done “enough,” and the difference between being depleted from doing too much and being depleted from doing the wrong things.They also examine the invisible thread connecting Vickie's businesses. On the surface, Human Design business strategy and a sustainable clothing store may appear unrelated. Underneath, both are about helping women remove conditioning, express who they are and create lives that feel like their own.This conversation goes beyond Human Design labels to explore what it really takes to build a business around your energy, values, family and desired life—without using your design as an excuse to sit on the sidelines.In This EpisodeVickie and Cat discuss:Why Vickie decided to open Blue Sparrow after initially planning an online-only resale businessHow an Emotional Manifesting Generator makes a major business decisionWhy Emotional Authority does not eliminate fear, doubt or uncertaintyThe moment of non-attachment Vickie recognizes as emotional clarityHow Vickie continues checking in with her Sacral Authority after making an emotional decisionThe difference between a genuine response and a distracting “shiny object”Why the question was never whether Blue Sparrow would work—but what it might cost Vickie in time and freedomHow Vickie protects time with her six grandchildren while building another businessWhat Manifesting Generator energy feels like in everyday lifeWhy some Manifesting Generators become exhausted from doing too little or doing work that doesn't engage their sacral energyWhy Vickie needs short periods of complete withdrawal rather than constant low-level restHow her 2/4 profile and second-line need to hermit affect her energyWhat Quad Right means in the way Vickie thinks, processes information and coachesWhy traditional preparation can interfere with Vickie's receptive Quad Right intelligenceHow the right question can pull information and insight out of a Quad Right personWhy Blue Sparrow has become a creative expression and a practical use of Vickie's Markets EnvironmentThe connection between personal style, messaging, voice, deconditioning and self-expressionWhy building several seemingly different businesses can still be part of one greater purposeThe role Vickie's husband, Pete, has played in supporting her entrepreneurial decisionsWhy Human Design should never become an excuse for avoiding the realities of businessHow Vickie uses astrology as guidance without allowing it to override practical realityThe conditioning that taught Vickie it was safest to be perfect, invisible and silentWhy visibility can still feel unsafe even when your design calls you to go firstThe hidden genius of the second line in Human DesignWhy Vickie has no desire to build a passive business that runs entirely without herHow her definition of success continues to centre time, family and freedomWhy your business should support your full life instead of becoming a separate thing you endure to earn oneQuestions Answered in This EpisodeHow does Emotional Authority work when making a business decision?Vickie describes Emotional Authority as waiting through the emotional energy surrounding a decision until she reaches a brief moment of neutrality. For her, clarity does not mean never experiencing fear or hearing an internal “no.” It means becoming unattached enough to either outcome to recognize what she knows in her body.Does emotional clarity remove doubt?No. Vickie has experienced fear and middle-of-the-night doubt even after becoming clear about opening Blue Sparrow. She believes doubt is part of the human condition. Human Design gives her a reliable way to return to herself; it does not make every decision emotionally comfortable.What is Quad Right in Human Design?Quad Right means that all four Variable arrows in a person's Human Design chart point to the right. Vickie experiences this as an open, receptive way of taking in information. Rather than retrieving knowledge through a rigid or strategic process, the right person, conversation or question pulls forward what she has absorbed.How does being Quad Right affect business?Vickie does her best business thinking in response to another person. When someone presents a business problem, the information she has gathered throughout her life begins connecting rapidly. This allows her to identify what is wrong and see potential solutions quickly, even when she could not have consciously prepared the answer in advance.Can Manifesting Generators successfully run multiple businesses?For some Manifesting Generators, having several satisfying projects can increase rather than drain their energy. Vickie feels better when her days are full of work that engages her Sacral response. The important question is not simply, “Am I doing too much?” but, “Am I doing the right things for me?”How do Manifesting Generators rest?Rest does not look the same for everyone. Vickie describes needing short, complete periods of withdrawal in nature, at her cottage or occasionally in a hotel. Her second-line hermit needs space to return to herself. She also protects her bedtime because pushing past it can cost her the entire following day.Should Human Design determine what kind of business you build?Vickie's position is clear: your Human Design does not tell you what you can or cannot do. It helps you understand how to do what you choose in a way that works with your energy. Business still requires action, responsibility and practical foundations, regardless of Type, Authority or Profile.Key TakeawaysClarity and fear can exist at the same time.Emotional Authority is not about waiting until every part of you agrees.Human Design is a decision-making and self-understanding tool—not permission to avoid action.Doing more than one thing is not automatically a lack of focus.Seemingly unrelated businesses can be connected by the same purpose.Rest must be designed around the individual rather than prescribed according to generic wellness advice.Your most natural gifts may be the ones you have the greatest difficulty recognizing.A business does not have to run without you to be valid, scalable or successful.Success is not simply about money. It is also about what that money makes possible.The goal is not to copy someone else's version of aligned business. It is to build the business that supports the life you want to live.Memorable Quotes“Your Human Design doesn't tell you what you do. It tells you how you do what you do.” Vickie Dickson“There's always a no. If I waited until there was never a no, I would never do anything in my life.” Vickie Dickson“The more I do, the more energy I have—when I'm doing the right things.” Vickie Dickson“I don't see dead people. I see business.” Cat Matson“I can nurture you and hold you until the cows come home. I'd prefer if your feet were moving while I'm doing it.” Vickie Dickson“Living your design is both the easiest and the hardest thing you can do.” Vickie Dickson“There is great joy in building the business you were made for and the business that supports the life you want to live.” Vickie DicksonAbout Cat MatsonCat Matson is a leadership coach, facilitator and 6/2 Emotional Manifesting Generator based in Australia. She facilitates workshops within government agencies, serves as an entrepreneur-in-residence at Western Sydney University and supports people in becoming more effective, confident communicators and leaders.In this Behind the Mic episode, Cat steps into the host's chair to explore how Vickie applies Human Design to her businesses, relationships, energy and everyday decisions.About Vickie DicksonVickie Dickson is a Human Design Business Strategist, copywriter, author, podcast host and serial entrepreneur who has built five six-figure businesses across five different industries.As a 2/4...

Outline00:00 - Intro01:31 - Mexico City to Leningrad: a communist girlfriend, and a year of Russian05:40 - Sliding modes at the source10:38 - France: Ioan Landau, Laurent Praly, and dynamic normalization16:25 - Continuity, robustness, and the Rohrs counterexamples24:18 - On Gerhard Kreisselmeier28:04 - Illinois and Mexico 35:31 - Mark Spong, Twente, and passivity-based control46:32 - Energy shaping, damping injection, and total energy shaping49:50 - IDA-PBC, written on a napkin in a Paris café58:09 - Putting Energy Back in Control, Slotine, and the dissipation obstacle1:02:50 - Where good problems come from: knock on the practitioners' door1:06:23 - Immersion and invariance1:13:40 - Power shaping, Brayton and Moser, and shifted passivity 1:19:29 - Power systems and going back to Russia1:27:23 - DREM: the adjugate trick that decouples parameter estimation1:31:11 - Sensorless observers1:34:44 - A seminar in Yakubovich's flat and on data-driven control1:41:47 - Advice to the next generation1:44:43 - OutroLinksRomeo Ortega's website: https://facultad.itam.mx/facultad/romeo-ortega-martinezUtkin, "Variable structure systems with sliding modes": https://doi.org/10.1109/TAC.1977.1101446Variable structure systems with chattering reduction: https://doi.org/10.1016/0005-1098(84)90076-1Robustness of discrete-time direct adaptive controllers (dynamic normalization): https://doi.org/10.1109/TAC.1985.1103890Robustness of adaptive controllers, a survey: https://doi.org/10.1016/0005-1098(89)90023-XComments on the robust stability analysis of adaptive controllers using normalizations: https://doi.org/10.1109/9.28033Feuer & Morse, "Adaptive control of single-input single-output linear systems": https://doi.org/10.1109/TAC.1978.1101822Rohrs, Valavani, Athans & Stein, "Robustness of continuous-time adaptive control algorithms in the presence of unmodeled dynamics": https://doi.org/10.1109/TAC.1985.1104070Åström's commentary on the Rohrs et al. paper: https://doi.org/10.1109/TAC.1985.1104066Hsu & Costa, "Bursting phenomena in continuous-time adaptive systems with a sigma-modification": https://doi.org/10.1109/TAC.1987.1104440Karafyllis & Krstić, "Robust Adaptive Control: Deadzone-Adapted Disturbance Suppression": https://doi.org/10.1137/1.9781611978438Discrete-time model reference adaptive control using generalized sampled-data hold functions: https://doi.org/10.1109/9.50351Kreisselmeier, "The generation of adaptive law structures for globally convergent adaptive observers": https://doi.org/10.1109/TAC.1979.1102066Gao, Bosso, Wang, Saussié & Yi, "Input-output data-driven stabilization of continuous-time linear MIMO systems": https://arxiv.org/abs/2511.06524Adaptive motion control of rigid robots, a tutorial (where "passivity-based control" is coined): https://doi.org/10.1016/0005-1098(89)90054-XTakegaki & Arimoto, "A new feedback method for dynamic control of manipulators": https://doi.org/10.1115/1.3139651Torque regulation of induction motors: https://doi.org/10.1016/0005-1098(93)90059-3Passivity-based Control of Euler-Lagrange Systems: https://doi.org/10.1007/978-1-4471-3603-3PID Passivity-Based Control of Nonlinear Systems with Applications: https://doi.org/10.1002/9781119694199PID passivity-based control of port-Hamiltonian systems (all passive outputs): https://doi.org/10.1109/TAC.2017.2732283Energy-shaping of port-controlled Hamiltonian systems by interconnection: https://doi.org/10.1109/CDC.1999.830260Interconnection and damping assignment passivity-based control of port-controlled Hamiltonian systems (IFAC High Impact Paper Award 2026): https://doi.org/10.1016/S0005-1098(01)00278-3Putting energy back in control: https://doi.org/10.1109/37.915398Slotine, "Putting physics in control": https://doi.org/10.1109/37.9164Chang, Bloch, Leonard, Marsden & Woolsey, "The equivalence of controlled Lagrangian and controlled Hamiltonian systems": https://doi.org/10.1051/cocv:2002045The matching conditions of controlled Lagrangians and IDA-passivity based control: https://doi.org/10.1080/00207170210135939Control by interconnection and standard passivity-based control of port-Hamiltonian systems: https://doi.org/10.1109/TAC.2008.2006930Ferguson & Borja, "Control-by-interconnection beyond Casimirs and connections to IDA-PBC": https://doi.org/10.1109/TAC.2026.3661486Immersion and invariance, a new tool for stabilization and adaptive control of nonlinear systems: https://doi.org/10.1109/TAC.2003.809820Nonlinear and Adaptive Control with Applications: https://doi.org/10.1007/978-1-84800-066-7Brayton & Moser, "A theory of nonlinear networks I": https://doi.org/10.1090/qam/169746Power shaping, a new paradigm for stabilization of nonlinear RLC circuits: https://doi.org/10.1109/TAC.2003.817918Passivity of nonlinear incremental systems: https://doi.org/10.1016/j.sysconle.2007.03.011Interconnection and damping assignment approach to control of PM synchronous motors: https://doi.org/10.1109/87.960344An energy-shaping approach to the design of excitation control of synchronous generators: https://doi.org/10.1016/S0005-1098(02)00177-2Transient stabilization of multimachine power systems with nontrivial transfer conductances: https://doi.org/10.1109/TAC.2004.840477Conditions for stability of droop-controlled inverter-based microgrids: https://doi.org/10.1016/j.automatica.2014.08.009A parameter estimation approach to state observation of nonlinear systems (PEBO): https://doi.org/10.1016/j.sysconle.2015.09.008Performance enhancement of parameter estimators via dynamic regressor extension and mixing (DREM): https://doi.org/10.1109/TAC.2016.2614889On modified parameter estimators for identification and adaptive control: https://doi.org/10.1016/j.arcontrol.2020.06.002Generalized parameter estimation-based observers (GPEBO): https://doi.org/10.1016/j.automatica.2021.109635Sensorless control of surface-mount permanent-magnet synchronous motors: https://doi.org/10.1109/TPEL.2009.2025276A globally exponentially convergent sensorless observer for the IPMSM: https://doi.org/10.1016/j.automatica.2025.112138Willems, "The behavioral approach to open and interconnected systems": https://doi.org/10.1109/MCS.2007.906923Abramovich, Kuznetsov & Leonov, "V. A. Yakubovich, mathematician, father of the field": https://doi.org/10.1016/j.ifacol.2015.09.150Support the showPodcast infoPodcast website: https://www.incontrolpodcast.com/Apple Podcasts: https://tinyurl.com/5n84j85jSpotify: https://tinyurl.com/4rwztj3cRSS: https://tinyurl.com/yc2fcv4yYoutube: https://tinyurl.com/bdbvhsj6Facebook: https://tinyurl.com/3z24yr43Twitter: https://twitter.com/IncontrolPInstagram: https://tinyurl.com/35cu4kr4Acknowledgments and sponsorsThis episode was supported by the National Centre of Competence in Research on «Dependable, ubiquitous automation» and the IFAC Activity fund. The podcast benefits from the help of an incredibly talented and passionate team. Special thanks to L. Seward, E. Cahard, F. Banis, F. Dörfler, J. Lygeros, ETH studio and mirrorlake . Music was composed by A New Element.

In this episode, Adam Torres interviews Cindy Rayfield, Franchise Consultant and Franchise Owner at The Cinergy Group. Cindy shares lessons from nearly 20 years in franchising, including what separates successful owners, why “you are the variable,” and how entrepreneurs can evaluate the right franchise opportunity. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: https://missionmatters.lpages.co/podcastguest/ Visit our website: https://missionmatters.com/ More FREE content from Mission Matters here: https://linktr.ee/missionmattersmedia Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, ⁠Adam Torres⁠ interviews ⁠Cindy Rayfiel⁠d, Franchise Consultant and Franchise Owner at The Cinergy Group. Cindy shares lessons from nearly 20 years in franchising, including what separates successful owners, why “you are the variable,” and how entrepreneurs can evaluate the right franchise opportunity. Follow Adam on Instagram at ⁠https://www.instagram.com/askadamtorres/⁠ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: ⁠https://missionmatters.lpages.co/podcastguest/⁠ Visit our website: ⁠https://missionmatters.com/⁠ More FREE content from Mission Matters here: ⁠https://linktr.ee/missionmattersmedia⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send Us A Message! Let us know what you think.New Zealand's major banks have officially lifted variable mortgage rates following the Reserve Bank's latest 25 basis point OCR hike. What does this mean for your home loan, and how are fixed rates holding up? In this episode of the Week in Review, Debbie Roberts (Owner & Financial Adviser at Property Apprentice) breaks down the biggest property and finance headlines across Aotearoa. From National's proposed $300,000 income threshold for 5% deposit First Home Loans to Barfoot & Thompson's latest August sales figures signal an Auckland market tipping point, we deliver the practical insights you need to navigate today's property market. In This Episode:Floating Mortgage Rates Shift: All five major banks (ANZ, BNZ, ASB, Westpac, Kiwibank) have raised variable rates by 25bps. Discover why 92% of Kiwi borrowers remain insulated on fixed terms and what ASB's customer repayment data tells us about household resilience. Lessons From Australia's Property Market: Australian home values fell for a fifth consecutive month, led by Sydney (-7.1% from peak). We analyze why persistent construction bottlenecks mean structural supply shortages remain unresolved across the ditch. National's 5% Deposit Scheme Expansion: National proposes raising the First Home Loan income cap to $300,000, potentially opening low-deposit options to over 90% of households. We weigh the benefits against the 1.2% government mortgage insurance fee. Auckland Market Tipping Point: Barfoot & Thompson sales dropped to their lowest August volume since 2022 while median prices edged up to $955,000. What this stabilization means for active buyers and sellers. KiwiSaver Loophole Closed for Rural Workers: A new amendment bill will finally allow farm staff, rural teachers, and police officers in employer-provided housing to access their KiwiSaver for a first home or farm purchase. Free Financial Education & Events Want to build a resilient, cash-flowing property portfolio using proven, independent strategies? Join Debbie Roberts at our next live, free online event: How to Succeed with Property Investing. 

Sasquatch: Variable is NOW AVAILABLE from STM Publishing. Check out the pre-release edition of STM Live featuring Heather Moser, and pick up your copy today from the STM Shop.  https://www.smalltownmonsters.com/shop

Contact Marko Gelo, he's a Mortgage Broker!604-800-9593 cell/text Vancouver403-606-3751 cell/text CalgaryCall Marko via WhatsApphomefinancingsolutions.caMost homeowners talk about "the variable rate mortgage" like it's one single product, but it's actually two structurally different ones — and one of them has a hidden threshold called a trigger rate that quietly extended a lot of people's amortizations during the recent rate-hiking cycle. In this episode, I break down the difference between the two types, how you can actually get a rate hold on a variable rate mortgage (it's not the number you'd think), and why your one-time conversion privilege doesn't work quite the way most people assume. CLICK HERE to be redirected to the blog version of this episode.CLICK HERE to be redirected to Mortgagenomics Canada Podcast YouTube ChannelCLICK HERE to download Marko's award-winning Mobile Mortgage App! Hosted on Acast. See acast.com/privacy for more information.

The Basement Suite Cashflows - But Is It Actually Legal? A basement suite can make a rental property look fantastic on paper. Two rents. Better cash flow. Stronger returns. But there is one question investors sometimes forget to ask before removing conditions: Is the basement suite actually legal? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby explain how investors can verify whether a secondary suite is permitted, why an illegal or non-conforming suite can create serious financial risk, and what could happen if the city, lender or insurance company eventually starts asking questions. They also discuss the Bank of Canada's latest interest-rate announcement, why investors shouldn't build deals assuming rates are going to fall, and why sufficient cash flow is what protects a rental portfolio when borrowing costs change. What You'll Learn Why the Bank of Canada holding rates doesn't mean investors should assume rates are headed lower How variable-rate mortgages and HELOCs are affected differently than fixed-rate mortgages Why Wayne believes deals should work at today's interest rates How the 5% Rule™ Cash Flow Test creates a cushion against higher borrowing costs Why reserve funds make property repairs and renovations much easier Why a basement suite can make a mediocre property look great on a spreadsheet How to determine whether a basement suite is actually legal Why pulling a permit does not necessarily mean the suite received final approval Why investors should confirm that the existing suite matches what was originally approved Why you should never automatically treat rent from an illegal suite as guaranteed income How an illegal suite can affect property value Why neighbours and former tenants can create unexpected problems What could happen if the municipality orders a secondary suite to stop operating Potential tenant relocation costs when a suite can no longer legally be occupied Why insurance becomes particularly important with non-conforming suites How Edmonton, Calgary, Winnipeg, Toronto and Vancouver differ when researching secondary suites Why Wayne and Gabby recommend buying or building legal suites whenever possible Bank of Canada Holds at 2.25% The Bank of Canada held its overnight rate at 2.25% in its September announcement. Wayne points out that the bigger story for investors is not simply that the rate stayed the same. It is the possibility that the environment could change. His message to investors is straightforward: Do not buy a rental property assuming interest rates are going down. Make the property work at today's numbers. If rates eventually fall, great. But your investment should not require that to happen. Variable vs. Fixed Mortgages Wayne also explains an important distinction. Changes to the Bank of Canada's overnight rate directly influence prime-based borrowing products such as: Variable-rate mortgages Adjustable-rate mortgages Home equity lines of credit A fixed-rate mortgage does not immediately change simply because the Bank of Canada changes its overnight rate. For investors with variable borrowing, however, rate increases can mean either higher interest costs or higher monthly payments depending on the mortgage structure. That makes cash flow especially important. Could Your Property Survive Higher Rates? Imagine your mortgage payment increases by $50 per month. Probably manageable. What if it rises by $500? Now the question becomes much more serious. Over a 20-year investment period, investors should expect interest rates to move. The property needs enough cash-flow cushion to survive those changes. Wayne points back to what happened when investors purchased properties during extremely low-rate environments and built their deals around financing conditions that did not last. When rates increased, some properties and projects could no longer support themselves. That is exactly the type of situation the 5% Rule™ Cash Flow Test is designed to help investors avoid. Why Cash Flow Creates Options Wayne and Gabby share another example from their own portfolio. One of their properties recently became vacant after several years. The property now needs repairs and improvements. But they are not scrambling to find the money. Why? The property's cash flow has been accumulating inside its reserve fund. That reserve can now pay for the work. No emergency credit card. No unexpected cash call to the joint venture partner. No panic. The rental business generated the money needed to maintain the rental business. That is how Wayne and Gabby believe a long-term portfolio should be built. Is That Basement Suite Actually Legal? The second major topic today begins with a situation Wayne recently heard about. An investor had been renting a basement suite when the municipality contacted them and wanted to inspect it. The problem? The suite was not properly permitted. Now the investor is facing questions about whether the tenant can continue living there and what happens to the economics of the property if that basement rent disappears. This is why Wayne believes investors need to verify secondary-suite status before purchasing the property. The Numbers Can Look Amazing Non-conforming suites can be tempting. Imagine two similar properties. One has a fully legal secondary suite. The other has a basement suite that looks almost identical but was never properly permitted. The non-conforming property may sell for less while producing almost the same advertised rental income. On a spreadsheet, that can look like an incredible deal. But that additional rent comes with risk. If something happens and you can no longer rent the basement separately, does the property still work? The Question Wayne Would Ask If you are considering purchasing a property with a non-conforming basement suite, Wayne suggests running a worst-case scenario: Does this property still cash flow if I cannot rent the basement separately? Assume the suite gets shut down. Assume you must rent the entire house as one unit. Does that rent still cover the property's expenses? Does it still pass the 5% Rule? If the answer is no, you need to understand exactly how much risk you are accepting. Wayne and Gabby's preference remains much simpler: Buy or build legal suites. Don't Overpay for an Illegal Suite Wayne gives a simple example. Imagine similar bungalows in a neighbourhood are worth: $400,000 A comparable property with a properly permitted legal suite might be worth: $500,000 Now imagine another $400,000 bungalow has an unpermitted basement suite. An investor sees the additional rental income and pays: $450,000 They think they received a bargain because it is cheaper than the legal suited property. But that unpermitted suite does not necessarily create the same market value as a fully legal one. You may have simply paid $50,000 too much for a $400,000 house. How to Check Whether a Basement Suite Is Legal Before buying a suited property, investigate it. 1. Check the Zoning Determine whether secondary suites are permitted under the property's zoning and municipal rules. 2. Check the Permits Find out whether the correct permits were actually issued for the secondary suite. Do not simply take the seller's word for it. 3. Confirm Final Inspections A permit being opened does not necessarily mean the work received final approval. Ask whether all required inspections were completed and the permit was properly closed. 4. Compare the Current Suite to What Was Approved A previous owner may have obtained approval and then changed the property afterward. Make sure today's layout and use still correspond with what was permitted. Some Cities Make This Easier Depending on where you are investing, your municipality may provide online tools that can help with the initial research. Wayne and Gabby discuss several examples. Edmonton has tools investors can use to research secondary-suite permits. Calgary has a secondary-suite registry. Winnipeg allows investors to search issued permits by address. Other cities, including Toronto and Vancouver, have permit and property-research tools, but investors may still need to contact the appropriate municipal department to confirm the actual status of a secondary suite. The easiest approach is usually: Search the city's online tools first. Then, if there is any uncertainty, contact the municipality directly and ask: "Does this address have a permitted secondary suite, and were all required final inspections completed?" What Causes the City to Investigate? Municipalities generally are not driving around neighbourhoods searching for illegal basement suites. Problems often begin because somebody complains. Two obvious possibilities are: Tenants. And: Neighbours. A tenant who becomes unhappy with the landlord may discover that the suite is not legal. A former tenant may complain. A neighbour who is frustrated with parking, noise or repeated rental problems may report the property. Everything can operate smoothly for years. Until somebody makes the phone call. What Happens to the Tenant? This is one of the risks investors sometimes overlook. You may have a valid residential tenancy agreement with someone living in the basement. If the municipality determines they can no longer legally occupy that space, you now have two problems. You lost the rental income. And your tenant may need somewhere else to live. Depending on the circumstances and applicable law, the landlord could potentially face costs resulting from being unable to provide the premises promised under the tenancy agreement. That could include temporary accommodation, moving, storage or other expenses. This is an area where investors should obtain proper legal advice for their specific situation. Don't Forget the Insurance Company Another major concern is insurance. Imagine you buy a property with an illegal secondary suite. You obtain landlord insurance. You collect rent. Everything appears fine. Then there is a major claim. A fire. Serious water damage. Liability involving an occupant. The insurance company investigates and discovers the property was being used differently than represented or that an unpermitted secondary suite was being occupied. That is not the time you want to discover that your coverage may be affected. Wayne recommends being transparent with your insurance professional and making sure the property is properly insured for the way it is actually being used. The Liability You Don't Want Wayne also discusses the extreme scenario investors sometimes hear about involving fires in illegal basement suites. If a landlord knowingly operates an unsafe or prohibited suite and someone is seriously injured or killed, the consequences could go far beyond lost rent. The circumstances surrounding any legal liability would depend heavily on the facts, but the underlying lesson is simple: Do not knowingly ignore serious safety or permitting issues. Saving money by avoiding permits is not worth taking a catastrophic risk. The Main Lesson A beautiful basement suite does not automatically mean you have two legal rental units. And a spreadsheet showing two rents does not mean you can count on receiving both rents forever. Before buying: Check the zoning. Check the permits. Confirm final inspections. Verify what was actually approved. Speak with your insurer. And run the property numbers assuming that basement rent disappears. If the entire investment collapses without the non-conforming suite, understand that you are taking a significant risk. Wayne and Gabby's preferred approach is straightforward: Buy legal. Build legal. The additional cost is usually much easier to deal with than discovering years later that the rental income your entire investment depended on was never guaranteed in the first place. About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and founders of REI Masters. Through the Canadian Real Estate Investing Morning Show, they provide practical Canadian real estate investing education, lessons from their own portfolio and free coaching every weekday morning. Send Your Questions to the Show Have a question you want Wayne and Gabby to answer?

In this episode we answer emails from Geraldo, Mark, and Zack.  We revel again in their generosity, talk through reinvesting a big cash balance, setting up liquidity backstops with brokerage collateral, and using variable retirement withdrawal rules and a Portfolio Charts calculator to model the Bob Clyatt 95% rule with a Golden Ratio style portfolio.Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterPortfolio Charts Retirement Spending Calculator:  Retirement Spending – Portfolio ChartsMorningstar Report with Variable Withdrawal Strategies Analysis:  Morningstar State_of_Retirement_Income_2025.pdf - Google DriveBreathless Unedited AI-Bot Summary:Cash feels comforting until it turns into quicksand. We start with a listener who sold a home, parked the proceeds, and now feels stuck watching markets and wondering if buying Treasuries “right now” is a mistake. We share the simplest antidote we know: stop waiting for perfect and start using a calendar. When your goal is a durable long-term asset allocation, a schedule-based reinvestment plan can beat fear-based timing, even when the news is trying its hardest to make you panic. Next we get tactical about liquidity. We unpack the real-world tradeoffs between a securities-backed line of credit (SBLOC) and a margin loan inside a brokerage account, including the little frictions people only learn after they call their custodian. The bigger idea is creating a backstop so you don't have to keep oversized emergency cash or “just in case” bond piles. We also compare these tools to a HELOC and why credit secured by a sizable brokerage account may be less likely to disappear when markets get ugly. Then we pivot to two themes that make the whole plan worth doing. First, Dolly Parton as an example of emulable generosity, not just talent or fame, and why what you do with your resources matters as much as how you grow them. Second, retirement withdrawal strategies: we answer a question on the Bob Clyatt 95% rule, variable spending, and how to model a golden ratio style portfolio using the Portfolio Charts retirement spending calculator. If you want clearer next steps for risk parity style diversification, retirement planning, and spending rules that flex without falling apart, hit play, then subscribe, share the episode, and leave a review.Support the show

Aujourd'hui, Abel Boyi, éducateur, Didier Giraud, éleveur de bovins, et Joëlle Dago-Serry, coach de vie, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

El iPhone 18 Pro estrena apertura variable. ¿Qué cambia realmente al pasar de f/1,48 a f/4? En esta masterclass partimos de la luz y el número f para entender profundidad de campo, bokeh, sensor y fotografía computacional. Terminamos con una guía práctica para elegir apertura según la escena. Hablamos también de los Estilos Fotográficos, textura y grano; de la compatibilidad que Apple modificó; y de lo que AVFoundation abre a quienes desarrollan apps de cámara. CAPÍTULOS00:00:00 El iPhone 18 Pro aprende a abrir el ojo00:02:19 El criterio ante la IA00:03:56 Una fotografía es luz medida00:07:02 El número f y los pasos de luz00:10:20 Profundidad de campo00:12:51 Qué es realmente el bokeh00:14:08 Difracción, aberraciones y nitidez00:15:39 El tamaño del sensor00:17:18 Por qué Apple añadió la apertura variable00:18:43 48 megapíxeles y Quad Pixel00:22:19 Fotografía computacional e ISO00:24:00 Estilos Fotográficos, textura y grano00:25:58 La compatibilidad que Apple cambió00:27:55 Qué apertura elegir en cada situación00:30:48 AVFoundation y Final Cut Camera00:31:35 Recapitulación técnica00:32:32 Conclusiones sobre el iPhone 18 Pro00:35:24 Por qué importa entender la fotografía FUENTES• Especificaciones oficiales del iPhone 18 Pro: https://www.apple.com/es/iphone-18-pro/specs/• Presentación oficial de Apple: https://www.apple.com/newsroom/2026/09/apple-debuts-iphone-18-pro-and-iphone-18-pro-max/• Entrevista de PetaPixel a los responsables de cámara de Apple: https://petapixel.com/2026/09/19/apple-explains-why-the-iphone-18-pro-has-a-variable-aperture/• Guía de Estilos Fotográficos de Apple: https://support.apple.com/guide/iphone/use-photographic-styles-iph629d2cd37/27/ios/27• Final Cut Camera y apertura variable: https://www.apple.com/newsroom/2026/09/final-cut-camera-now-supports-variable-aperture-on-iphone-18-pro/ Aprende desarrollo nativo Apple en Be Native: https://apps.apple.com/app/id6745868769Swift Engineering Program 2026: https://acoding.academy/formaciones/swift-developer-program/ Soy Julio César Fernández. Si te ha servido para entender mejor tu cámara, dime en comentarios qué apertura probarás primero. Good Apple Coding.#iPhone18Pro #FotografiaMovil #AppleCoding El desarrollo ha cambiado para siempre con la llegada de los agentes de IA, y para poder sacarle el mayor provecho y ser un desarrollador de los que buscan las empresas por su ultra-productividad, tienes que ser un Maestro: consígue la Maestría con el Swift Mastery Program 2026. Descárgala ya desde el App Store: Be Native y escúchanos desde ahí. Suscríbete a nuestro canal de Youtube: Apple Coding en YouTube Descubre nuestro canal de Twitch: Apple Coding en Twitch. Descubre nuestras ofertas para oyentes: - Cursos en Udemy (con código de oferta) - Apple Coding Academy - Suscríbete a Apple Coding en nuestro Patreon. - Canal de Telegram de Swift. Acceso al canal. --------------- Consigue las camisetas oficiales de Apple Coding con los logos de Swift y Apple Coding así como todo tipo de merchadising como tazas o fundas. - Tienda de merchandising de Apple Coding.

Why isn't my body healing? Dr. Tabatha Barber — a triple board-certified OBGYN and robotic surgeon who walked away from the operating room — says the variable nobody tests for is the story running in your head. Liz and Becca get into negative self-talk and inflammation, why an emotion only lasts 90 seconds, what happens when a doctor tells a 24-year-old with PCOS she'll never conceive, and why your genes load the gun but don't fire it. If your labs are "normal" and you're still exhausted, start here.***Connect with Dr. Tabatha: Instagram | Web***Lets Connect:Connect with Liz: Instagram | YoutubeConnect with Becca: Instagram | YoutubeJoin our private community: FitMom Society***Have questions? Ask HereLooking for answers? Work with us***Want to win FitMom Mystery Box?Leave us Apple Review | Spotify Review

What should you create first when building an online business?Most entrepreneurs start in the wrong place.They create a lead magnet. They start posting on social media. They try to figure out their messaging. They brainstorm podcast topics. They build a funnel.And then they try to figure out what all of it is supposed to sell.In this episode of Unjaded, I'm taking you behind the scenes of a recent private Human Design business retreat to show you why I believe your offer needs to come first—and why everything else in your business should be reverse engineered from it.Your offer determines the problem you're solving, the person you're speaking to, the beliefs and objections your messaging needs to address, the lead magnet you create, and the long-form and short-form content you publish.When you start somewhere else, you're constantly trying to force all of those pieces to fit together afterward.And yes—we're also talking about how your Human Design can influence the way you build that ecosystem, because having one clear area of expertise does not mean cutting off every other skill, interest or modality you bring to your work.In This EpisodeWe explore:Why your offer should be the starting point of your business strategyWhy starting with a lead magnet or social media creates unnecessary workHow to reverse engineer your marketing ecosystem from your offerThe relationship between your offer, messaging, content and ideal clientHow to identify what someone needs to believe before they're ready to buyUsing customer objections and resistance to create better contentWhy self-identifying content matters for conversionHow your offer can generate dozens of podcast, blog or long-form content topicsWhy you don't need to cram everything you know into one piece of contentHow micro-content topics can establish deeper expertiseWhy Human Design Manifesting Generators don't necessarily need to choose only one interestBuilding authority around one area of expertise while still using multiple tools and modalitiesHow Human Design circuitry, Variable, environment and definition can influence the way you workWhy your business needs to fit the life and work you actually wantThe Business-Building Order I RecommendInstead of:Social Media → Lead Magnet → Content → Messaging → OfferStart at the other end:Offer → Ideal Client → Problem → Result → Messaging → Content → Lead Magnet → MarketingYour client's journey may begin with your content or lead magnet.Your work as the business owner begins at the destination.Once you know exactly what you're selling, you can ask:What problem does this offer solve?What is happening in someone's life that tells them they have this problem?What symptoms are they experiencing?What do they currently believe that could prevent them from buying?What objections or resistance need to be addressed?What do they need to understand before this offer makes sense to them?Those answers become the raw material for your messaging, lead magnets, podcast episodes, blogs, emails and social media content.Human Design, Niching and Being Known for SomethingThere is another important conversation happening here.In 2026, being clearly associated with an area of expertise matters—not only for your audience, but increasingly for Google and AI search engines trying to understand who you are and what you're an authority on.That does not mean stripping your business down until only one tiny piece of you remains.You can have multiple modalities, interests, tools and ways of working.The goal is to create enough consistency around the problem you solve and the expertise you want to be known for that humans and search engines can connect the dots.Your offer gives you the anchor that makes that possible.Your Offer Becomes Your Content StrategyOne of the biggest fears people have about starting a podcast, blog or other long-form content platform is:What will I talk about?Build the offer first and that problem becomes much smaller.Every component of your offer can become a content topic.Every objection can become an episode.Every belief your client needs to shift can become an episode.Every symptom of the problem can become an episode.Every case study can become content.Every question clients ask can become content.And those topics don't have to become massive hour-long masterclasses.Going narrower and deeper into specific questions can create far more useful content—and makes it much easier for search engines and AI platforms to understand exactly what question that individual piece of content answers.Questions Answered in This EpisodeWhat should I create first when starting an online business?Start with the offer. Define who it's for, the problem it solves, the result it creates and how you help someone get there. Then reverse engineer your messaging, content, lead magnet and marketing from that offer.Should I create my lead magnet before my offer?No. Your lead magnet should help move the right person toward your paid offer. Creating it first often leaves entrepreneurs trying to force an unrelated offer onto an audience they've already attracted.How does an offer help with content creation?Your offer gives you the subjects your audience needs to understand before they're ready to buy. Problems, symptoms, objections, beliefs, questions, case studies and pieces of your methodology can all become content.Do I need one niche if I'm a Manifesting Generator?You need enough clarity for people to understand what you do and why they should come to you. That doesn't necessarily mean eliminating your other interests, tools or modalities. The work is finding the expertise or problem that connects them.How can Human Design influence business strategy?Human Design can help you understand how you naturally process information, respond to opportunities, communicate, work, create and interact with other people. Instead of using Human Design as a replacement for business strategy, it can help you build and execute that strategy in a way that fits you.The Bottom LineIf the pieces of your business feel disconnected, stop trying to fix the pieces individually.Come back to the offer.Get crystal clear on:Who is this for? What problem does it solve? What does that problem look like in their actual life? What result are you helping them create? What happens inside the offer to get them there?Then work backwards.Because your offer isn't simply something you sell at the end of your funnel.It's the strategic foundation that informs your messaging, content, lead generation, marketing and entire business ecosystem.

Vancouver's real estate downturn is not just a story about falling prices. Record-low transaction volumes are beginning to reshape the entire housing industry, from developers and presale marketers to mortgage borrowers and the future supply of homes.Nowhere is the shift more dramatic than Metro Vancouver's once-dominant presale market. At the peak in 2021, more than 19,000 new condos sold. By 2025, sales had fallen below 3,000, and 2026 year-to-date sales are now under 500.The collapse in new launches is even more striking. In July 2021, 1,426 presale units were released. July 2026 produced just 42, a staggering 97% decline.The consequences are spreading throughout the development industry. Projects have entered insolvency, developers have disappeared, buyers have faced lawsuits after attempting to walk away from contracts, and Vancouver's presale marketing industry is being forced to reinvent itself. MLA Canada has dramatically reduced staffing, Magnum Projects has cut approximately 40% of its workforce, Rennie has reduced staff while expanding its commercial real estate focus, and other firms have exited the business entirely.The completed inventory problem is equally significant. Metro Vancouver is estimated to have approximately $4.6 billion worth of completed, unsold new homes. Yet only 495 condos one year old or newer have sold year-to-date, representing approximately $400 million in transactions. At the current pace of roughly $44 million per month, that theoretically represents more than 100 months, early 9 years, of completed inventory.For buyers, that creates something largely absent during the previous cycle: leverage.But another important shift is developing beneath the surface. New listings are falling nationally, with British Columbia down approximately 13% year-over-year and Ontario down nearly 11%. Active inventory in both provinces has also declined roughly 5% from last year's levels. Supply remains elevated, but direction matters. Historically, declining inventory has been one of the conditions required for prices to eventually stabilize.That trend is being reinforced by a dramatic slowdown in construction. New homeowner completions have fallen to levels last seen around 2002, while housing starts excluding rentals have dropped toward 1990 levels. Today's weak development economics could therefore translate into significantly less housing supply several years from now.The mortgage market is undergoing its own transformation. The Bank of Canada's overnight rate has remained stable throughout 2026, and borrowers are increasingly choosing variable-rate mortgages. Variable mortgages now represent a record 36% of the market, while fixed mortgages have fallen to just 20%.Renewing homeowners, however, are still absorbing substantial financial pressure. Canadians coming off five-year terms are experiencing an average 24% increase in monthly mortgage payments. HELOC balances have increased 14% year-over-year, while personal deposits into savings accounts have turned negative for the first time since 2013.The rental market presents another long-term contradiction. Ontario is projected to face a 121,000-unit rental shortfall by 2036 despite record purpose-built rental construction. Condo investors supplied 58% of Ontario's new rental housing over the previous decade, but their contribution is projected to collapse to just 9% over the next ten years.The common thread is lag.Weak sales today mean fewer launches. Fewer launches mean fewer completions. Developers pulling back today can create shortages years from now.For buyers, this may be one of the strongest negotiating environments in years. For sellers, waiting for 2021 conditions to return carries an increasingly measurable cost.Vancouver real estate continues to establish new lows, but beneath those numbers, the foundations of the next market cycle may already be forming._________________________________ Contact Us To Book Your Private Consultation:

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

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

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

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

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