Podcasts about verify

REASONING.SERVICES is where “AI, but verify” becomes a habit. This SoundBytes segment explores how it forces AI tools to weigh the factors you care about and prove they followed your instructions before delivering advice. The post AI, BUT VERIFY! appeared first on sound*bytes.

Spend enough time around federal retirement and the acronyms start flying — and it starts to feel too late to ask what they mean. Charles and Marcus decode the alphabet soup in plain English: FERS (and RAE/FRAE), CSRS and CSRS Offset, TSP, FEHB, FSA, FEGLI, MRA, VSIP/VERA/DRP, SRS, SCD, OPM, ORA, AUO/LEAP, the SF forms, and CSA. Grab the free Acronyms Cheat Sheet in the description.Fill out the form and download the cheat sheet here: https://perspectivefunnel.co/682642d22275ec003bfa6626/6a445b182446fd510fd3af9b/Chapters:0:00 The Acronyms You're Afraid to Ask About2:03 FERS (RAE / FRAE)4:24 CSRS & CSRS Offset5:37 TSP6:23 FEHB & Open Season8:53 FSA10:04 FEGLI11:25 MRA12:44 VSIP, VERA & DRP14:24 SRS18:00 SCD, OPM & ORA23:06 AUO & LEAP25:00 SF Forms27:30 CSA + Free Cheat SheetCTA: Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=Disclaimer: Educational only; not advice. Verify with OPM/TSP.gov. Advisory services through CD Financial LLC dba CD Financial (CA); insurance through CD Financial & Insurance Services LLC.Support the show

Video: https://youtu.be/DpabxWvYkpsIn Cyber-Bob's Cyber Safety Tip #133, Bob The Cyber-Guy explains how criminals disguise malware as security software and use frightening alerts, fake scans, and urgent warnings to pressure people into making costly mistakes.Learn how to recognize suspicious antivirus messages, avoid scare tactics, and respond safely without giving scammers access to your computer, passwords, or money. Clear, practical cybersecurity advice for seniors, beginners, and everyday computer users.

We got a lot of questions and comments on our Plastic Surgery Regrets episode so we're going to go over some of them. In this episode Dr. Martin and Amy talk about going back to the gym after surgery, swelling after lower body lift, being disappointed by threads, and eyelash problems after blepharoplasty. Keep leaving comments and don't forget you can text us and leave voicemails at 303-630-9038. Watch this episode on YouTube: https://youtu.be/FFkSM9mhLZk  Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at https://www.plasticsurgery.org

This week, Axe and Heilemann are joined by a Hack from across the pond and all-around political savant, Jonathan Freedland. Jonathan is a Guardian columnist, host of Politics Weekly America, and co-host of Unholy, the podcast covering Israel and the Middle East. The Hacks dive into the biggest stories of the week, including the sudden passing of Senator Lindsey Graham and the political legacy he leaves behind, Trump's war against Iran, the Democratic Party's evolving stance on Israel, chunky forearms, bin-faced politicians, and so much more. Photo by BENJAMIN CREMEL/AFP via Getty Images Learn more about your ad choices. Visit podcastchoices.com/adchoices

Most seller finance borrowers are self-employed, and that's where a lot of originators get tripped up. In this episode I walk through how we actually verify self-employed income at Call The Underwriter, why it matters for Dodd-Frank compliance and your own protection, and the system we use to get through it fast. I cover why W-2 and fixed-income borrowers are easy, why tax returns usually understate self-employed income, and why 12 complete business bank statements are the workhorse document. I also get into the expense ratio approach for turning gross deposits into usable income, the account and commingling problems we run into constantly, and what borrower behavior tells you before you ever see the file. Plus the story of a loan with a mystery dog kennel that supposedly made $30k in a single month. If you originate or buy seller finance notes, this one will clear up a lot of confusion around documenting income that doesn't come with a pay stub. Questions? Drop them in the comments or email dan at calltheunderwriter.com. For more info on underwriting seller finance loans or get started on a deal go to www.calltheunderwriter.com

The head of the Investigating Directorate Against Corruption, Advocate Andrea Johnson, has been rushed to hospital. She was due to testify before the Madlanga Commission of Inquiry in Pretoria on Monday. Johnson is facing a range of allegations including claims of interfering in investigations related to a complaint against suspended Crime Intelligence head Feroz Khan. The commission has now adjourned its proceedings to tomorrow when a new witness will testify. To discuss this further Sakina Kamwendo spoke to Security Strategist and Retired Interpol Ambassador, Andy Mashaile

Did you ever wonder why so many people didn't get out before the dot-com crash? It's an important question to ask yourself, especially if you believe you'll know exactly when to get out before any potential correction in today's AI and semiconductor stocks.   The reality is that the dot-com bubble burst only 25 years ago. Human nature hasn't changed since then. Investors today are no smarter than investors were back then, and the same emotions that drove the bubble are showing up again. There were four major reasons so many people lost money during the tech bust.   The first was that investors stopped focusing on earnings and price-to-earnings ratios. Instead, they justified sky-high valuations by looking at metrics like website traffic, page views, click-through rates, and the number of "eyeballs" on a screen. The assumption was that if revenue kept growing, profits would eventually follow. Many ignored the reality that businesses also have expenses, competition, and execution risk.   The second reason was FOMO or the fear of missing out. Between 1995 and 2000, the Nasdaq surged roughly 400%. As people watched friends, coworkers, and investors make fortunes on tech stocks and IPOs, more and more money poured into the market. Institutional investors and retail investors alike stopped worrying about valuations. They simply saw stocks going up and didn't want to miss the ride.   The third reason was the belief that "this time is different." You heard it everywhere: "You just don't get it. This is the new economy." Investors argued that traditional valuation metrics no longer mattered because the only thing that counted was gaining market share. Profitability could always come later.   The fourth reason was the assumption that capital would never dry up. Few investors paid attention to where companies were getting their money. Many businesses were surviving on venture capital rather than sustainable profits. When funding slowed and investors became more selective, those companies had no profitable business model to fall back on. Many quickly went bankrupt.   At the peak of the bubble, investors stopped asking basic questions. What am I paying for this company's earnings? What am I paying for its cash flow? In many cases, there weren't any. Yet investors convinced themselves the speculative frenzy would continue indefinitely.   The biggest lesson is a humbling one. We like to believe we'll recognize the top and get out before everyone else. But investors in 2000 believed the same thing. Human psychology hasn't changed, which is why bubbles continue to repeat throughout history.   Don't Build That Data Center in My Backyard The race to build AI infrastructure is running into an obstacle that many investors probably didn't see coming: local communities.   Across the country, residents are protesting and filing lawsuits to stop new AI data centers from being built in their neighborhoods. One of the biggest concerns is something most people never think about, the constant noise. Data centers operate around the clock, with cooling fans, chillers, and backup generators creating a continuous hum 24 hours a day. That may not sound like a major issue until you have to live next to it.   New York has become one of the focal points of this debate. While the state has plenty of available land for development, many communities are pushing back. Governor Kathy Hochul is even considering legislation that would place a moratorium on the construction of large data centers in certain areas.   Public opinion reflects that growing resistance. According to recent polling, 44% of Americans oppose additional data center construction, while only 21% support it. When the question becomes more personal and whether people would support a data center being built in their own community, opposition jumps to 57%, while support falls to just 14%.   Residents also question the long-term economic benefits. Building a data center may create thousands of construction jobs, but once the facility is complete, permanent employment may fall to just 100 to 200 workers. At the same time, these facilities consume enormous amounts of electricity. In some regions served by smaller utilities, a single data center could account for as much as 25% of total power demand, raising concerns about higher electricity costs and increased strain on the grid.   The political landscape is becoming more challenging. Lawmakers in states including Arizona, Illinois, and Ohio have restricted or eliminated tax incentives that were previously used to attract data center investment.   Even the companies building this infrastructure recognize the growing risk. The hyperscalers are expected to spend nearly $1 trillion on AI infrastructure this year, but increasing public opposition could slow those plans. Nebius Group, for example, warned in its 2025 annual report that rising resistance to data center projects in certain communities could become a headwind for future expansion.   Investors have spent a great deal of time focusing on AI demand, chips, and software. However, another risk is emerging that deserves attention: if communities continue saying, "Not in my backyard," the pace of AI infrastructure growth may not be as smooth as many expect.   Is Crypto Weakening One of America's Most Powerful Weapons? One of the United States' greatest geopolitical advantages isn't its military, it's the U.S. dollar.   Roughly 90% of global foreign exchange transactions involve the U.S. dollar. That dominance gives the United States enormous leverage. When the U.S. imposes financial sanctions and cuts countries off from the dollar-based financial system, it becomes far more difficult for them to conduct international trade, finance military operations, or access global markets.   That advantage is beginning to erode. Countries that have long opposed the United States such as Russia, Iran, and North Korea are increasingly turning to cryptocurrencies to bypass traditional financial channels. According to reports, their use of virtual currencies for cross-border transactions surged from roughly $12.5 billion in 2024 to more than $100 billion in 2025.   Crypto gives sanctioned nations another way to move money. It can be used to purchase drones, weapons, military components, and fuel, while also helping finance operations such as smuggling oil and paying suppliers outside the traditional banking system.   North Korea has become one of the world's most aggressive crypto thieves, using hacking and other cybercrimes to steal digital assets that can then be converted into funding for its military and weapons programs.   Part of the challenge is that cryptocurrency wallets are identified by long strings of letters and numbers rather than names. While blockchain transactions are publicly visible, identifying the person or organization controlling a wallet can be extremely difficult without additional intelligence. That makes enforcement of financial sanctions much harder.   Even terrorist organizations such as Hamas have, at times, solicited donations in cryptocurrency, illustrating how digital assets can be used to circumvent traditional financial controls.   This is why I believe cryptocurrency has become more than just an investment story, it has become a national security issue.   If Bitcoin and other cryptocurrencies were to experience a significant decline in value, it would reduce the purchasing power of those holding large crypto reserves, including sanctioned actors that rely on digital assets. While it would not eliminate their ability to use crypto, it could make this alternative financial system less effective and increase the relative importance of the dollar-based financial system.   The stronger the role of the U.S. dollar in global commerce, the more effective financial sanctions remain as a non-military tool of foreign policy. With cryptocurrencies becoming more widely adopted, policymakers will need to consider the risk of weakening one of America's most effective forms of economic leverage.   Even with oil off its recent peak, you still may not see cheaper airline tickets. You might assume that with the decline in oil prices, jet fuel costs are also declining, and airlines will pass those savings on to travelers through lower ticket prices. Oil and jet fuel prices have indeed come down, but don't expect airlines to slash fares anytime soon.   The reason is simple: demand remains strong. Even after airlines raised fares eight times since the start of the conflict in the Middle East, analysts say the average round-trip domestic ticket climbed roughly 19% to about $638 yet demand barely changed. In other words, consumers have shown they are willing to pay higher prices to travel. If people keep buying tickets, airlines have little incentive to lower fares and give up those higher profit margins.   Supply is also likely to remain constrained. Airlines aren't rushing to add flights because keeping capacity tight helps support higher ticket prices. The bankruptcy and downsizing of low-cost carriers such as Spirit Airlines has also reduced competition on many routes, making it easier for the remaining airlines to maintain pricing power.   To be fair, airline pricing should be viewed over a longer time horizon. From 2019 through 2025, overall consumer prices rose about 26%, while average airfares actually declined roughly 3.5%. So, despite the recent increases, airline tickets are still relatively inexpensive compared with the broader rise in inflation over the past six years.   The bottom line is that lower fuel costs alone don't guarantee lower ticket prices. As long as travel demand remains healthy and airlines keep capacity in check, consumers may not see much relief at the checkout screen.   Letting Air Out of the Investment Portfolio Balloon Before It Pops At one point or another, we've all seen a balloon inflated until it finally bursts. The same thing can happen to an investment portfolio.   Watching your portfolio grow is exciting, but every investor knows that markets don't go up forever. The challenge is that no one knows exactly when a portfolio has become too inflated. One of the biggest reasons investors refuse to sell is simple: they hate paying taxes. Believe me, I dislike paying taxes just as much as anyone else. But you should never let the tax bill dictate your investment decisions.   Sometimes the smartest move is to relieve some of the pressure in your portfolio before the market does it for you. There are two simple ways to accomplish this: trim oversized positions and sell investments that have become significantly overvalued.   The first strategy is reducing concentration risk. If you review your portfolio and discover that a single stock has grown to 10% or 12% of your total assets, it may be time to trim that position back to 7% or 8%. Yes, you'll likely owe capital gains taxes, but you'll also be reducing the risk that one investment can have an outsized impact on your portfolio if it suddenly declines.   The second strategy is selling investments that have exceeded your target price and can no longer be justified based on their fundamentals. If the valuation has become stretched and the company's earnings outlook no longer supports the stock price, it may be time to take profits. Again, you'll probably owe taxes on the gain, but remember that capital gains are generally taxed at favorable rates. More importantly, paying a 20% or 25% tax on your profit is often far less painful than watching the entire investment lose 20% or more in value. That 20% decline occurs on the entire position rather than just the gain.   No strategy is perfect. You may trim a position only to watch it continue climbing for another year or two. That's part of investing. Risk management isn't about perfectly timing the top, it's about ensuring that no single investment or sector can seriously damage your long-term financial plan.   Consistently following a disciplined, conservative approach won't always maximize returns during bull markets, but it can significantly reduce risk over a full market cycle. When the next major correction inevitably arrives, your portfolio should be positioned to withstand it. That makes it far easier to stay invested, avoid emotional decisions, and continue building wealth instead of panic-selling after the damage has already been done.   Successful investing isn't just about finding great investments. It's also about knowing when to reduce risk. Sometimes, letting a little air out of the balloon today is the best way to keep it from popping tomorrow.   Is AI creating the next memory boom... or setting up the next bust? SK Hynix just pulled off the largest foreign ADR listing in U.S. history, pricing its American depositary receipts at $149 and raising $26.5 billion. That isn't just a fundraising event, it is fuel for one of the most aggressive semiconductor expansion plans the industry has ever seen.   The company is pouring money into new factories, equipment, and advanced packaging capacity around the world. In the United States, SK Hynix is building its first manufacturing facility, a $4 billion advanced packaging plant in West Lafayette, Indiana, expected to be completed in 2028.   Back home in South Korea, the spending is even more staggering. SK Hynix plans to invest up to $720 billion expanding memory production, including a $390 billion semiconductor cluster in Yongin. The company has also committed roughly $7.8 billion by the end of 2027 for additional extreme ultraviolet (EUV) lithography machines, the highly specialized tools needed to manufacture cutting-edge HBM chips. These machines cost as much as $400 million each, are in extremely limited supply, and are only produced by ASML. The company is even accelerating its expansion timeline by more than a decade, with four new fabrication plants now expected to be completed by 2033.   The question investors should be asking isn't whether AI demand is real. It clearly is. The real question is whether the industry is repeating a familiar pattern. Memory has always been one of the most cyclical businesses in technology. Every major technology revolution from the dot-com boom, to smartphones, to cloud computing created a surge in demand for memory chips. Manufacturers responded by rapidly expanding production. Eventually supply caught up, prices collapsed, profits disappeared, and investors who arrived late learned just how brutal the memory cycle can be.   Today feels different... but that is often what every cycle feels like while it is happening.   SK Hynix's market value has increased more than sevenfold over the past year as AI infrastructure spending has created a shortage of HBM. Revenue nearly tripled between 2023 and 2025 to roughly $65 billion, and Wall Street expects sales to surge again to approximately $235 billion in 2026.   Those are incredible numbers. But when major memory producers start announcing massive capacity expansions, history suggests investors should at least consider what happens when today's shortage eventually becomes tomorrow's surplus. AI may create years of strong demand for memory, but the semiconductor industry has a long history of building too much capacity just as demand begins to normalize. The opportunity is enormous, but so is the risk if history repeats itself.   Financial Planning: Simple vs Compounding Interest Loans Many people assume that choosing a simple interest loan over a compound interest loan will dramatically reduce the amount of interest they pay, but in most real-world lending situations, the difference is minimal. The reason is that the power of compounding only becomes significant when a balance grows over time because interest is being added to the principal. With most consumer loans, borrowers either make interest-only payments that keep the principal balance unchanged or make payments that reduce the principal over time. In either case, the interest charged during each payment period is based on the outstanding loan balance at that time, not on an ever-growing balance. Since the loan balance is remaining the same or steadily declining rather than increasing, there is little opportunity for “interest on interest” to accumulate. While compounding can become important if unpaid interest is capitalized and added to the loan balance, that is the exception rather than the rule. For most mortgages, HELOCs, auto loans, personal loans, and similar debt, borrowers should focus far more on the interest rate than on whether the loan is described as using simple or compound interest.   Too Many People Are Using Target Date Funds in Their 401(k) For years, we've discussed the drawbacks of target date funds, including their higher fees and one-size-fits-all approach. Despite those concerns, they remain incredibly popular because they are simple and require very little effort from the investor. According to Vanguard, 61% of 401(k) participants invest in target date funds.   On the surface, they sound like the perfect solution. If you plan to retire around 2045, you simply choose the 2045 Target Date Fund and let it manage your investments. The fund automatically adjusts your portfolio over time, gradually reducing your exposure to stocks and increasing your allocation to bonds as you approach retirement.   Many investors don't realize how significant that shift can be. By the target retirement date, a target date fund may hold around 50% of its assets in bonds. The adjustments don't stop there. Reaching the target year doesn't mean the fund is liquidated or that you receive your money. Instead, the fund continues along its glide path and could increase its bond allocation to 70% or even 80% over the following years.   That approach may have made sense decades ago, but retirement looks very different today. Many people will spend 20 years or more in retirement. Over that length of time, maintaining enough exposure to stocks can be critical to helping your portfolio grow and keep pace with inflation. A portfolio that becomes too conservative too quickly may struggle to provide the long-term growth many retirees need.   Another limitation is that target date funds only manage the assets inside your 401(k). They don't take into account your IRAs, brokerage accounts, pensions, real estate, or other investments. As a result, your overall portfolio allocation could end up being far different than what is appropriate for your financial goals.   The convenience of target date funds is appealing, but convenience shouldn't replace planning. A successful retirement requires understanding how your money is invested, estimating what your portfolio could be worth when you retire, and developing a strategy for how those assets will be invested throughout retirement, not just until you reach it.   Is That Really Your Son or Daughter Calling You? You know your children's voices. You talk to them regularly. Then one day you get a frantic phone call from your son or daughter. They tell you they've just been in a serious accident. They need $15,000 immediately or they're going to jail. They tell you exactly how to send the money. Without hesitation, you wire the funds because you want to help your child.   Unfortunately, you have just been scammed by AI. AI-powered scams are exploding. Reports show AI-related fraud surged more than 1,200% in 2025, and at the current pace, losses from AI scams in the United States could reach $40 billion annually by 2027. Another study found that one in four adults has already experienced an AI voice scam.   Your first reaction may be, "That could never happen to me. I don't post anything on social media." But the problem may not be your online presence. It's your children.   Many people regularly post videos on social media, and today's AI only needs about three seconds of someone's voice to create a convincing clone. Once scammers have that sample, they can make it sound like your son or daughter is saying almost anything.   So how do you protect yourself? If you receive an emergency call asking for money, don't panic. Before sending anything, ask a question that only you and your child would know the answer to. Make it something that has never been shared publicly.   For example, ask about a funny childhood memory that only the two of you remember. Don't use information like birthdays, graduation dates, wedding dates, or other facts that could be found online or in public records. Remember with all these data centers there is so much information that is being obtained and saved but used for the wrong purposes.   Even better, establish a family safe word or passphrase today. Choose something simple that everyone can remember but that would never appear online.   If you ever receive one of these calls, ask for the safe word. If they can't provide it, assume it's a scam until you can verify the situation by calling your child directly or contacting another trusted family member.   As AI continues to improve, these scams will only become more convincing. The same technology powering innovation is also giving criminals new tools to exploit unsuspecting families. Stay alert. Verify before you trust. A few extra minutes could save you thousands of dollars and a great deal of heartache.   Is It Boom or Bust for Micron? It is hard to argue with Micron's incredible stock performance. Through July 2, the shares were up 242% year to date and an astonishing 701% over the previous 12 months. Even after recently falling about 22% from their peak, investors are still debating whether the company has much more room to run.   The good news is that Micron has locked in 15 new customers under long-term supply agreements, with some contracts extending as long as five years. Many of these agreements include customer deposits, giving the company excellent revenue visibility and reducing uncertainty over future sales. For investors, that is exactly the kind of stability they like to see.   But every smart investor should also ask: What is the downside?   While those contracts provide a strong foundation, they do not guarantee that demand will remain as strong over the long term. Unless a customer goes bankrupt, the contracts are largely locked in, but technology changes quickly. High prices and limited supply often encourage innovation, and the AI memory market is no exception.   Several companies are developing new architectures that reduce or even eliminate the need for high-bandwidth memory (HBM), which has been one of Micron's biggest growth drivers. As companies search for lower-cost and more efficient alternatives, demand for HBM could eventually soften.   Nvidia also signaled in June that it is redesigning portions of its upcoming Vera Rubin AI platform to use memory more efficiently. While Nvidia remains a major customer for HBM, improvements in memory efficiency could reduce the amount of HBM required per AI system over time.   Meanwhile, newly public chipmaker Cerebras has taken an entirely different approach. CEO Andrew Feldman has said the company's wafer-scale AI chips do not use HBM at all, arguing that it is too expensive and supply constrained. If other AI hardware companies pursue similar designs, it could create additional competition for HBM.   None of this means Micron's growth story is over. The company's long-term contracts provide meaningful protection, and AI demand remains exceptionally strong today. However, investors should remember that today's shortages and premium pricing often inspire tomorrow's technological breakthroughs.   The question for Micron investors is whether HBM remains the industry standard for years to come or whether innovation eventually reduces the need for it. If demand for HBM begins to slow, Micron's remarkable growth could also begin to moderate.   Companies Discussed: Caterpillar Inc. (Ticker: CAT)

Part two of the discussion with Jim Hodapp and Bob Belderbos focused on practical software development. Topics included testing, tooling, libraries, developer workflows, AI coding assistants, and why Rust's ecosystem is helping developers build more reliable systems. Key Discussion Points Rust libraries and crates Built-in testing capabilities AI-assisted coding workflows Compiler-driven development Tooling and developer experience The rise of AI coding assistants has changed the software development landscape. Code can now be generated in seconds. The challenge is determining whether that code should be trusted. This is where AI-assisted Rust presents an interesting model for modern engineering. Rather than relying solely on AI output, developers gain support from a compiler, testing framework, and ecosystem specifically designed to catch problems early. The result is a workflow centered on reliability instead of speed alone. About our Guests Jim Hodapp Jim Hodapp is a veteran software engineer, engineering leader, and technical coach with deep roots in systems programming. His background spans C, C++, Linux, embedded systems, software architecture, and engineering management. In recent years, he has become a recognized Rust advocate, helping developers transition from traditional systems languages into modern, memory-safe development practices. Through RefactorCoach and his Rust training initiatives, Jim focuses on improving engineering effectiveness, software quality, and developer growth. Follow Jim on LinkedIn: https://www.linkedin.com/in/jim-hodapp/ Bob Belderbos Bob Belderbos is a software developer, educator, coach, and co-founder of PyBites. Originally coming from a finance background, Bob transitioned into software through automation, scripting, and Python development. He has spent years helping developers improve their coding skills through practical challenges, mentoring, and community-based learning. More recently, Bob has expanded his focus into Rust, combining his Python expertise with modern systems programming practices to help developers build faster, safer, and more maintainable software. Follow Bob on LinkedIn: https://www.linkedin.com/in/bbelderbos/ Why AI-Assisted Rust Works Differently Many AI-generated applications succeed initially but struggle when complexity increases. The root issue is often a lack of validation. AI may generate code that appears correct while introducing subtle assumptions, type mismatches, or architectural weaknesses. Rust changes this dynamic. Its compiler demands correctness before execution. This creates an environment where AI-generated solutions must satisfy strict requirements before becoming production-ready. Rather than fighting the compiler, developers can use compiler feedback as an additional review mechanism. The combination creates a surprisingly effective development loop. AI-Assisted Rust and Compiler-Driven Development Historically, developers discovered many errors during runtime. That process is expensive. Bugs appear later, testing cycles expand, and debugging consumes valuable time. Compiler-driven development shifts detection earlier. When AI generates code inside a Rust project, the compiler immediately validates: Types Ownership rules Memory safety Data structures Interface compatibility This reduces uncertainty. The AI-assisted Rust approach effectively turns compilation into a continuous quality-control process. Every issue caught during compilation is one less issue waiting in production. How AI-Assisted Rust Improves Testing Another major topic discussed during the episode was testing. Rust includes first-class testing support directly within the language ecosystem. Developers can place tests alongside implementation code and execute them through the same tooling used to build applications. This integration matters. When testing becomes frictionless, developers are more likely to perform it consistently. The guests also discussed an emerging AI-era consideration. When AI generates both application code and tests, developers must ensure tests remain objective. Separating tests from implementation can sometimes help prevent AI from simply validating its own assumptions. The goal remains the same: Verify behavior rather than confirm expectations. AI-generated tests are only valuable when they challenge the code instead of reinforcing it. The Role of Libraries and Crates Every modern language depends on ecosystems. Rust is no exception. The conversation explored how Rust balances a relatively focused standard library with a thriving third-party package ecosystem. Instead of relying on massive built-in functionality, Rust encourages developers to leverage well-maintained community crates. This approach provides flexibility while avoiding unnecessary complexity in the language itself. For teams adopting AI-assisted Rust, this creates another advantage. AI tools can often identify appropriate crates quickly, reducing research time while still allowing developers to evaluate quality and suitability. Tooling That Supports Better Software One recurring theme throughout the discussion was integration. Rust combines several critical capabilities into a cohesive experience: Package management Dependency management Building Testing Formatting Linting Developers spend less time assembling tooling and more time solving business problems. This integrated philosophy becomes increasingly important as software stacks grow more complex. When AI enters the workflow, consistency becomes even more valuable because every tool participates in maintaining quality standards. Audit your current development workflow and identify how many separate tools are required for building, testing, linting, and dependency management. The Real Value Is Confidence The most important benefit of AI-assisted Rust may not be performance. It may not even be productivity. It is confidence that: The generated code meets standards. Tests validate behavior. Memory safety issues are unlikely to appear unexpectedly. The compiler is actively helping rather than simply translating instructions. That confidence allows teams to move faster without sacrificing reliability. The best development environments reduce uncertainty rather than merely increasing speed. Conclusion AI-assisted Rust represents a practical evolution in software development. Instead of choosing between AI productivity and engineering rigor, developers can combine both. AI accelerates implementation while Rust's compiler, testing capabilities, and tooling ecosystem reinforce quality. As software becomes increasingly AI-generated, environments that encourage correctness from the start may become some of the most valuable platforms available to developers. Stay Connected: Join the Developreneur Community

Assumptions and incomplete reports can easily build walls of misunderstanding and cause unnecessary pain. Just as God came down to see Sodom for Himself, and Jesus paused to write in the sand before addressing an angry crowd, discover how enforcing a 'holy pause' protects relationships and prevents the deep scars of hasty judgements today. https://bit.ly/MGD060726

Hi, I'm Connor with Honor - message me here!Three stories, one throughline: a retired LAPD cop telling you what he actually notices so you stop getting played.One, the shopping cart test. Before you move anywhere, drive through and look at the shopping carts. Returned and put away, or abandoned all over the lot? It tells you more about a neighborhood than any brochure. Then call the local sheriff or police and just ask them about the area. I tell the story of David in Burbank, the neighbor in welding gloves the local PD already knew all about, to show you why that call matters.Two, AI, a little bit of danger, danger, Will Robinson. The data center money just reversed, the labs are renting compute now, and the new fear being sold is that public AI can see your ideas and move on them first. I break down the car wash example, the "too dangerous for regular people" pitch, why privacy is already gone, and why everyone suddenly wants to sell you your own AI at home while memory prices climb.Three, the Paul Pelosi Maserati hit-and-run. From a cop who worked hit-and-runs for years: a no-injury misdemeanor of a parked car gets almost no investigation for anybody. The story is real, the special-privilege angle mostly is not.Be good to each other. Verify what you hear. Slow your roll.Watch the video version on Loom: https://www.loom.com/share/86b5a5294e9544778e4ae7793b9f59e4Buying or selling in Santa Clarita, or just want a straight answer? Call or text (661) 400-1720. A human answers. More at https://connorwithhonor.comConnor T. MacIvor, CalDRE #01238257, Sync Brokerage Inc. DRE #02031490.#DailyDownload #AIWithHonor #SeventeenK #SantaClaritaYoutube Channels:Conner with Honor - real estateHome Muscle - fat torchingFrom first responder to real estate expert, Connor with Honor brings honesty and integrity to your Santa Clarita home buying or selling journey. Subscribe to my YouTube channel for valuable tips, local market trends, and a glimpse into the Santa Clarita lifestyle.Dive into Real Estate with Connor with Honor:Santa Clarita's Trusted Realtor & Fitness EnthusiastReal Estate:Buying or selling in Santa Clarita? Connor with Honor, your local expert with over 2 decades of experience, guides you seamlessly through the process. Subscribe to his YouTube channel for insider market updates, expert advice, and a peek into the vibrant Santa Clarita lifestyle.Fitness:Ready to unlock your fitness potential? Join Connor's YouTube journey for inspiring workouts, healthy recipes, and motivational tips. Remember, a strong body fuels a strong mind and a successful life!Podcast:Dig deeper with Connor's podcast! Hear insightful interviews with industry experts, inspiring success stories, and targeted real estate advice specific to Santa Clarita.

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Our guest is Stacey Knight Mejia, an attorney by training but better known throughout Acadiana as “Sensei Stacey,” co-owner and chief instructor of Acadiana Karate. A ten-time national forms and weapons champion, Stacey has spent decades teaching martial arts, confidence, and practical self-defense to children and adults. Her message is simple but powerful: “The goal isn’t to live in fear. The goal is to live with awareness, confidence, and the ability to trust yourself.” As Stacey explains, avoiding violence begins long before physical self-defense becomes necessary. “Ninety to ninety-five percent of all self-defense scenarios can be avoided by pre-planning.” That single statement frames our entire discussion. Stacey explains that every attack begins with three elements: a predator, a victim, and an opportunity. Predators are looking for easy targets and easy opportunities, which is why awareness matters so much. “You are what you look like. How you stand, how you walk. Eye contact is huge because remember, the predator doesn’t want to get caught.” She encourages women to walk with purpose, maintain awareness of their surroundings, know where exits are located within seconds of entering a building, lock vehicle doors immediately, and always have a response plan before something happens. “Have a plan. What am I going to do? Where are the exits? How am I going to get out of here?” Throughout the interview, Stacey returns repeatedly to the importance of using your voice. “When I teach women physical self-defense classes, I sometimes have issues getting them to use their voice. They feel, ‘I’m silly,’ or they’re shy. I need you to become a tiger or a lion because the guy that’s coming at you has a criminal mindset.” One of the strongest themes of our discussion is learning to trust intuition. Gavin de Becker’s landmark book The Gift of Fear, was discussed and he argues that our instincts often recognize danger before our conscious minds do. “Trust your instinct. Trust your gut. It’s so important.” She tells parents to teach their children the same lesson. “No is a one-word sentence. No means no. Say no and run.” Rather than encouraging people to become fearful, Stacey wants them to become intentional. “I don’t want you to live in fear. But you need to be aware.” We discuss numerous real-world situations that women encounter every day, including shopping centers, grocery stores, parking lots, gas stations, DoorDash deliveries, ride-share services, parks, jogging alone, and even sitting in your own driveway scrolling through your phone. Stacey points out that today’s criminals are increasingly sophisticated, posing as delivery drivers, utility workers, or even leaving seemingly harmless items such as money dropped on the ground, windshield wipers moved out of place, or objects on door handles to create distractions. Her advice remains remarkably practical: “Verify, verify. Do not open the front door of your house for a delivery person or a utility worker until you verify.” She also recommends limiting distractions. “The cell phone can be very helpful but it’s a huge distraction.” Instead, she encourages using technology wisely by sharing locations with friends and family, calling 911 immediately if something feels wrong, and trusting that internal warning system. Another phone trick is to put your camera on if someone is stalking you. “Turn around and say, ‘Do I know you? Do you need anything? and take a picture. If they hurry away, you know they weren’t up to any good.” One of Stacey’s most moving stories involves a woman who survived a brutal sexual assault and eventually found her way to Acadiana Karate. Initially unable to speak about what had happened, she slowly rebuilt both her confidence and her life through training. “She came out victorious. She got her life back.” Stacey also offers reassurance to anyone who has survived an attack. “You survived. You shouldn’t feel shame about that.” Although Stacey has earned national championships in martial arts competition and even performed stunt work on the television series Mortal Kombat: Conquest after being recruited from the national karate circuit, she emphasizes that most people will never need advanced martial arts techniques if they develop strong situational awareness. Stacey recommends simple, easy-to-use personal safety devices such as Birdie or Hootie personal alarms that emit a piercing sound to attract attention and create an opportunity to escape. She is less enthusiastic about pepper spray, guns or knives. “I’m not an expert on those tools. I don’t advocate for it. I’ve heard so many horror stories about the attacker grabbing it and turning it on you.” She also recommends an inexpensive glass breaker/seatbelt cutter device that can be used both in vehicle emergencies and, if necessary, to escape from a locked vehicle. Her philosophy focuses on escape rather than confrontation. “The goal is to escape.” Stacey also explains why a single two-hour self-defense seminar cannot replace consistent training. “Don’t think that you’re an expert after one seminar.” Karate develops something much deeper than physical techniques. Through repetition, students build muscle memory so that, under the stress of an actual attack, simple defensive movements become automatic. “We just drill it, drill it, drill it.” Every August I get calls about teaching safety classes to daughters right before they go iff to college. ‘Please, can you teach self-defense in a week?’ The best thing I tell my parents is to buy this book: Confidence in Conflict for Campus Life, by Jill Weisensel . It goes through all things addressing personal safety awareness like theft in the dorm, sorority parties, how to address hazing and sexual assault, just really great tips on how to address high-risk behaviors.” Stacey also follows Dannah Eve who recently wrote a book called Street Smarts. Introduced to karate by her future husband, Pablo Mejia, while attending college, she earned her first-degree black belt before entering law school. She credits martial arts with helping her persevere through one of the most demanding periods of her life. “There are times in law school where we all just want to quit. Karate really helped me.” The discipline she learned on the mat carried directly into her legal career. Today, Stacey continues serving the community through Acadiana Karate while also sharing health and wellness advice through her “Stacey’s Optimal Health” platform. Whether discussing nutrition, exercise, parenting teenagers, or personal safety, her underlying message never changes: preparation creates confidence. This episode is for every woman, every parent, every college student, and every family member who wants practical, thoughtful guidance on staying safe while living life with confidence instead of fear. “Don’t live in fear. Just be aware.” For more information about Stacey Knight Mejia and Acadiana Karate, visit https://acadianakarate.com/

It's time for one of our favorite episodes of the year, Stuff We're Into! Dr. Martin and Amy have brought in things that help them live their best lives. Lean Sauce | Code: Joel  Midnight Blue Calming Cream Blue Youth Activating Drop Japanese Walking method (interval walking training IWT) for health/weight maintenance Body Work for maintaining range of motion and helping fix those areas of soreness with exercise and weight training Yeti and Bear (my dogs!) Watch this episode on YouTube: https://youtu.be/dYxWWw6Wh5Q  Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at https://www.plasticsurgery.org

Pahrump's median home price sits near three hundred seventy thousand dollars, yet thousands of parcels turn out to be unbuildable zombie lots. This episode covers private wells, septic systems, and the one verification step no buyer can skip. To learn more, visit https://www.draperdreamteam.com/ Draper Dream Team at Top Dog Real Estate City: PAHRUMP Address: 1210 E Basin Ave # 6, Pahrump Website: https://www.draperdreamteam.com/ Phone: +1 405 834 4255 Email: hello@draperdreamteam.com

The U.S. Cotton Trust Protocol is adding forensic testing to strengthen confidence in cotton supply chains.

First, we'll tell you how new CalFresh work requirements impact the budget approved by county supervisors. Also, we'll tell you why water is set to cost more across the county. Next, a decision will soon be made regarding a half-century-long battle to save some green space for a park in Emerald Hills. Next, we took a trip over to Tijuana where Haitians have built a vibrant community; we joined them as they cheered on their World Cup team. And, some weekend event ideas across the county that you and yours could take part in.

What does it take to see a problem so clearly you simply cannot walk away from it? For Sherri Combs, it happened in a swimming pool — and in one moment, she saw the entire vision for Silver Streak Senior Services: the logo, the framework, the platform. All of it, fully formed.Sherri is an award-winning entrepreneur, bestselling author, and senior advocate who spent a decade as a private banker watching seniors and their families navigate a fragmented, fraud-riddled landscape with no trusted guide. Scams were everywhere. Referral lists went stale. Lead-selling platforms turned vulnerable people into targets. Families in crisis were Googling their way through one of the most vulnerable moments of their lives — and finding confusion instead of help.So, she built something different. A nationwide vetted platform connecting seniors, caregivers, and the businesses that serve them with honesty, integrity, and heart. Every business on Silver Streak has passed criminal background checks, licensing and insurance verification, and reputation reviews. No shortcuts. No lead selling. No compromising the people she built this for.Three developers told her it couldn't be done. She sat down, learned to code, and proved them wrong.And she didn't stop there. Sherri also founded the Silver Streak Foundation — a nonprofit dedicated to fraud awareness and prevention education for senior communities nationwide. She delivers training through senior centers, Rotary clubs, and community organizations, teaching seniors and caregivers how to recognize and stop scams before they cause harm.In this episode we cover:The swimming pool moment when the entire vision arrived at once — logo, framework, and allWhy the current way we search for senior services is fragmented, broken, and dangerousHow Silver Streak vets every business on the platform: background checks, licensing, insurance, and reputation reviewsThree web developers, one determined founder, and what she did when they said it couldn't be builtHer four-step Silver Streak It framework for scam protection: Pause, Verify, Reach Out, DeleteThe Just In Case Plan: why aging planning matters as much as estate planning — and the conversation every family needs to have before the crisis hitsHow Silver Streak is funded: membership fees as low as $1 for seniors, free for veterans and first responders, with proceeds donated to the nonprofitThe seven-phase vision for where Silver Streak is going — and why she's not waiting to get started3 Things You'll Take AwayYour vision is your protection. Three developers told Sherri it couldn't be done. Her clarity about what she was building — and her refusal to settle for anything less — is what kept her moving. When you know what you're building and why, obstacles become detours, not dead ends.Integrity is a business model. Silver Streak isn't free to list on because free platforms can't be trusted. The vetting process is the product. When safety and trust are your differentiators, you build differently — and that's exactly the point.Plan for the aging, not just the dying. Most families have a funeral plan. Very few have an aging plan. The Just In Case Plan fills that gap — and the conversation Sherri teaches us to have is one every family needs.Connect with Sherri: silverstreakseniorservices.com | Facebook: Don't Fall for It! Silver Streak It | Don't Fall For It! SILVER STREAK IT! Scam Awareness Group |Book: https://silverstreakseniorservices.com/book info@silverstreakseniorservices.com | 888-478-2885Resources from Donna: Field Guide: compassroseconsulting.com/field-guideYOUR WAY Training: compassroseconsulting.com/yourway Business Growth Hub: compassroseconsulting.com/hub Clarity Call: compassroseconsulting.com/clarity-call

Text the show! We hear constantly that representation matters.But who gets represented—and who decides?In this episode, Chad examines the growing gap between the rhetoric of diversity and the reality of political decision-making. Using Portland, congressional districts, party primaries, and several recent political examples, he explores whether modern identity politics is driven by principle or by power.The conversation also tackles:• Portland's unique political culture• The difference between representing voters versus demographic groups• Why legislative maps have become political battlegrounds• The Winsome Sears debate• Internal party gatekeeping• California as a case study in selective representation• Why consistency matters more than slogansWhether you agree or disagree, the goal remains the same:Read the fine print. Think critically. Verify everything.Chapters00:00 The Promise of Protection: A Tragic Reality01:22 The Political Landscape: A Personal Reflection02:48 The Big Tent: A Call for Common Sense07:12 Portland: The Cathedral of Diversity11:44 The Contradiction of Diversity in Portland15:52 The Celebration Machine: A Political Analysis22:05 Winsome Sears: A Case of Selective Representation27:30 Defining Representation: A Complex Concept29:06 The Representation War: Maps and Boundaries32:03 Candidates vs. Districts: The Real Choice34:53 Internal Party Dynamics: Who Gets Chosen?39:41 The Promise of Protection: A Case Study in California43:12 Double Standards in Political Representation49:24 The Hypocrisy of Diversity: A Call for Authenticity54:58 Trust but Verify: The True Measure of DiversityIf you enjoy thoughtful political analysis that challenges assumptions from every direction, please follow the show and share the episode.

Mindframes Show Notes Episode 121 — Disclosure Day (2026) Directed by: Steven Spielberg Written by: David Koepp Starring: Emily Blunt, Josh O'Connor, Colin Firth, Colman Domingo, Eve Hewson, Wyatt Russell IMDB: https://www.imdb.com/title/tt15047880/ Special guest: Tarek Fayoumi (movieswithtarek.com), director of the Chicago Independent Film Critics. Episode Summary In this episode of Mindframes, Michael and Dave — joined by returning guest Tarek Fayoumi — discuss Disclosure Day (2026), Steven Spielberg's return to the alien genre and his first big sci-fi swing since War of the Worlds. The conversation works through Spielberg's recurring obsessions (renegade heroes, shadowy government forces, ordinary people swept into something enormous), Janusz Kamiński's return to the diffused-light, lens-flare look, and John Williams' 30th collaboration with the director — before splitting hard over whether the film's hopeful thesis actually lands. Comparisons run from Close Encounters of the Third Kind, E.T., and War of the Worlds to Contact, Minority Report, and Coppola's Megalopolis as a fellow "late master with something to say." Verdicts split three ways: Michael 2.5/5, Dave 3/5, Tarek 4/4. Thematic Discussion Disclosure Day asks whether an undeniable, truthful image can still unite people in a cynical age — Brian Tallerico's "undeniable image" framing, run through the show's central question: not is there proof? but does proof still work on us? Michael argues the truthful image isn't wounded but dead — a shared reality the film is nostalgic for, but one that no longer functions when people deny what they're shown. Dave counters that the film's real hope is empathy and human-to-human connection replacing the broken image, while conceding Spielberg doesn't earn that buy-in the way his early work did. The film ends not on a revelation but on Margaret turning to the camera, saying "Listen," and cutting to black — proof getting humanity to the threshold, with faith and empathy left to carry it the rest of the way. Timestamps Note: recording was split into two files; Part 2 times below assume the parts run continuously (Part 2 offset by ~50:03). Verify against the stitched audio. Time Segment 00:15 Intro & setup; welcoming guest Tarek Fayoumi 02:33 Spielberg as a director — recurring themes 03:21 Premise & the Wardex setup (spoiler-free) 08:43 Return to the alien genre vs. his recent dramas 10:01 Cinematography — Kamiński, lens flares, the "awe" look 28:12 John Williams' 30th collaboration; film & score preservation 31:17 Spoiler-free reviews begin 31:47 Michael's review (2.5/5) 38:47 Dave's review (3/5) 43:02 Tarek's review (4/4) ~45:10 Spoiler section begins ~45:42 The alien reveal & the decades of "disclosure" footage ~55:27 Thematic debate: empathy vs. the image ~56:08 "The truthful image is dead" — Michael's core position ~60:17 The ending: "Listen" and the cut to black ~74:31 Closing thoughts — can we still believe in a unifying image? ~74:56 Next episode tease Films & Directors Mentioned Close Encounters of the Third Kind (Steven Spielberg) E.T. the Extra-Terrestrial (Steven Spielberg) War of the Worlds (Steven Spielberg) A.I. Artificial Intelligence (Steven Spielberg) Minority Report (Steven Spielberg) Jaws (Steven Spielberg) Schindler's List / Saving Private Ryan (Steven Spielberg) The Terminal / Catch Me If You Can (Steven Spielberg) The Fabelmans / West Side Story (Steven Spielberg) Jurassic Park / Indiana Jones and the Kingdom of the Crystal Skull (David Koepp & Spielberg) Contact (Robert Zemeckis / Carl Sagan) Explorers (Joe Dante) 2001: A Space Odyssey (Stanley Kubrick) Megalopolis (Francis Ford Coppola) Super 8 (J.J. Abrams) Watching the Skies (Norwegian sci-fi) Poltergeist / Gremlins (Spielberg-produced, 1980s) The Outer Limits — "The Architects of Fear" Contact Web: https://mindframesfilm.com Facebook: Mindframes Network: Now Playing Network Email: info@mindframesfilm.com

The e-commerce world didn't get “easy” overnight. Our guest Jason Greenwood has lived every phase of it, from the days when getting a website online was hard, payments were clunky, and technical SEO was the only way to get discovered, to today's world where a storefront can launch fast and customers expect everything to work instantly on a phone. That long view makes his take on digital transformation and the future of commerce feel grounded, not hype-driven.We dig into the biggest platform shifts Jason has seen, then zoom in on the opportunity most people still underestimate: B2B e-commerce for manufacturers and distributors. He explains why relationship selling and sales compensation models slowed adoption, why so many teams still burn time on low-value admin work, and why the B2B digital commerce market remains wide open compared to saturated retail e-commerce. If you care about modernizing operations, improving customer experience, or scaling revenue, this conversation connects the strategy to the messy reality inside real companies.Then we go deep on AI in e-commerce, especially agentic AI that can break work into subtasks, run parallel workflows, and ship real outputs fast. Jason shares how he uses AI as a thought partner and execution partner, the prompts he repeats to find blind spots, and the non-negotiable habit of demanding citations and reviewing deliverables so hallucinations do not sneak into client work. If you're trying to stay relevant as automation accelerates, this is a practical roadmap.Subscribe for more conversations like this, share the episode with an operator who needs it, and leave a review with one AI workflow you're ready to automate next.How to connect with Jason Greenwood?LinkedIn: https://www.linkedin.com/in/jason-greenwood-digital-expert/ Website: https://www.greenwoodconsulting.net/ podcast: https://www.greenwoodconsulting.net/podcastYouTube: https://www.youtube.com/user/jagnz1/videosReady to scale your Amazon business? Click here to book a strategy call. https://calendly.com/firingtheman/amazon Support the show

GOOGLE AI summaries are useful, but recent research says they can still miss. This SoundBytes story is a sharp reminder to verify facts when the answer really matters The post BEFORE YOU TRUST, VERIFY! appeared first on sound*bytes.

Today's episode includes a discussion on creative ways the younger generation is making home ownership a reality. Plus, Robbie interviews Provident Bank's Bruno Viscariello on how rate lock-in, changing consumer behavior, and rising ownership costs are reshaping housing demand, affordability, and lender value propositions. And we close with a look at how recent changes to conventional underwriting have increased the issuance of lower-FICO mortgages.Thank you to Truework, a Checkr Company, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Today's episode includes a look at the new Federal Reserve framework and initiatives under Chair Kevin Warsh. Plus, Robbie interviews National Consumer Reporting Association's Eric Ellman on the nomination of Brian Johnson to lead the Consumer Financial Protection Bureau, based on his extensive experience in financial services regulation and his understanding of how to balance consumer protection with access to credit, mortgages, and housing. And we close with some data from across the United States that reveals just how metro-specific housing really is.Thank you to Truework, a Checkr Company, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Think hidden fees, fake discounts, rebate games, mandatory add-ons, and vehicles advertised at prices you can't actually get are just part of buying a car?The FTC doesn't think so.In this episode, The Car Chick® breaks down the six dealership advertising and pricing practices the FTC says may violate federal consumer protection laws. But before we get into the legal stuff, I share a real-life dealership fiasco that happened while shopping for a military family's Ford Transit van — a deal that took three days to put together before it completely blew up over a discount that apparently didn't apply.We'll cover:The six pricing and advertising practices the FTC is targetingHidden fees, fake discounts, rebate stacking, and financing gamesWhy dealer add-on packages may be the next battlegroundWhat the FTC Act actually saysWhy the CARS Rule was overturnedWhy the FTC isn't handing out $53,088 fines left and rightHow dealership pricing transparency is improving — and where the bullshittery has migratedWhat consumers should look for before signing on the dotted line5 Things to Watch for When Car Shopping Right NowGet an out-the-door quote in writing.Do your homework on rebates, financing requirements, and add-ons.Verify the vehicle is actually available.Don't assume "transparent pricing" means "best price."If a deal looks dramatically better than every other similar vehicle, get suspicious before you get excited.ResourcesFTC Consumer Complaint Center:https://reportfraud.ftc.gov/Stay ConnectedSign up for The Straight Shift newsletter and get consumer-focused automotive news, car buying tips, and industry updates delivered straight to your inbox:www.TheCarChick.comYou can view a full list of resources and episode transcripts here. Connect with LeeAnn:WebsiteInstagramFacebookYouTubeWork with LeeAnn:Course: The No BS Guide to Buying a CarCar Buying ServiceCopyright ©2024 Women's Automotive Solutions Inc., dba The Car Chick.  All rights reserved.

Today's episode includes a look at how servicing can be a treasure trove if utilized correctly. Plus, Robbie interviews Addy AI's Michael Vandi on the importance of AI in improving efficiency and competitiveness, especially as a productivity tool for originators. And we close with a preview of how swap markets are pricing in the Federal Reserve's next move.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Today's episode includes reaction in bond markets to the peace deal in the Middle East, which is scant on details. Plus, Robbie sits down with TrustEngine's DaveSavage for a discussion on why the mortgage professionals who will thrive are those who obsess over delivering a modern, technology-enabled consumer experience, embrace AI to scale advice and efficiency, and focus on educating and advocating. And we close by looking at what is expected from the Fed meeting that begins today, the first under new Chair Warsh.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Amy's deep dive on Reddit continues in part 2 where she found the most common regrets after plastic surgery. Dr. Martin and Amy discuss the regrets and how others can avoid them. Watch this episode on YouTube: https://youtu.be/JWtkjqy04Hg Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at https://www.plasticsurgery.org    

Appropriations Update GOP Passes Second Reconciliation Bill and Opens Talks on Third Prior Authorization Bill Reaches 290 Cosponsors FDA Approves New Sunscreen Ingredient Judge Rules $100,000 H-1B Visa Fee Unlawful Medicare Trustees Annual Report and more...

Today's episode includes a look at the latest economic snapshot and headlines making the news. Plus, Robbie sits down with Ally Carty discuss her transition from Guild Mortgage to SoFi and what she learned from stepping back. She reflects on burnout, the pressures of building a personal brand, and why authenticity - not algorithms - remains the foundation of effective content and leadership. And we close by talking about what the bond market is doing in reaction to a peace deal with Iran.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

In this episode of The Geek in Review, we welcome Greg Dickason, Chief Technology Officer at LexisNexis, for a wide-ranging conversation on agentic legal AI, Lexis+ AI Protégé, and the movement from AI chat toward AI work. Dickason frames the shift through a simple contrast: earlier legal AI answered questions, while agentic workflows take on multi-step assignments, conduct research, create drafts, verify citations, and move legal professionals closer to finished work product. For law firms and legal departments trying to understand where AI goes next, this episode places agentic AI squarely inside legal workflow, legal research, drafting, and risk management.A major theme of the conversation is trust. Dickason explains how Shepard's Verify extends the familiar Shepard's signal beyond traditional research screens and into uploaded work product. Rather than asking lawyers to rely on AI-generated text without a verification layer, LexisNexis is building citation checking into the workflow, giving lawyers a path to confirm whether cited authority exists, whether authority is still good law, and how later courts treated the cited case. For lawyers worried about hallucinated citations, AI-generated briefs, and unreliable authority, this verification layer becomes part of the product architecture, rather than an afterthought.The discussion also explores the relationship between LexisNexis and Anthropic, along with the rise of legal AI skills. Dickason describes a market where model choice, orchestration, and legal skills increasingly matter as separate layers. Anthropic, OpenAI, Google, and other model providers offer impressive foundations, yet legal work needs more than general-purpose intelligence. Large law workflows require legal content, expert reasoning, matter-specific playbooks, and firm-defined processes. Dickason notes the ability to upload firm playbooks as skills, giving firms a path to bring their own way of working into Protégé.Security receives equal billing with accuracy. As firms place client documents into AI vaults and connect work product to legal AI platforms, Dickason explains bring your own key, or BYOK, through a practical office-and-locked-cabinet analogy. The point is control: client content sits encrypted, access depends on the user's key, and access stops when the key is withdrawn. He also discusses legal chunking, indexing, vector stores, retrieval-augmented generation, and knowledge graphs as part of building AI systems suited for legal documents, rather than generic file handling.The episode closes with a broader view of legal AI's impact on junior associates, legal training, and access to law. Dickason does not predict the end of junior lawyers. Instead, he sees AI helping junior lawyers become senior faster through mock trials, mock depositions, and richer training environments. He also warns of risks from agent volume, security vulnerabilities, and legal systems struggling to keep pace with AI-enabled industries. The message is pragmatic and optimistic: agentic legal AI will change legal work, yet the winners will be those who combine trusted content, secure systems, verification, workflow design, and human judgment.Listen on mobile platforms:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠Substack⁠[Special Thanks to ⁠⁠Legal Technology Hub⁠⁠ for their sponsoring this episode.]⁠⁠⁠⁠⁠Email: geekinreviewpodcast@gmail.comMusic: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jerry David DeCicca⁠⁠⁠⁠⁠⁠⁠⁠⁠Transcript:

Matt and Michael dive into three recent news stories that have them asking the same question. What is this madness? They break down the California mayoral race, the Karmelo Anthony murder trial, and the Somali World Cup referee denied entry to the US. But the headlines are just the entry point. The real conversation is about something deeper. Why does it feel like half the country has stopped operating in good faith? Why do people defend narratives at the cost of reality itself? And what happens to a culture when it unhooks itself from any higher ideal? Matt brings in John C. Lennox's argument that atheism, taken to its logical conclusion, unwinds rationality completely. If your brain is the product of a purposeless process, why would you trust it to do science or even to claim you are rational? The guys connect this to Nietzsche's warning about unhooking the earth from its sun, and to C.S. Lewis's insight from The Screwtape Letters about directing malice toward neighbors and benevolence toward strangers we will never meet. They also get personal. Michael talks about being in love with the idea of his wife and kids versus actually loving them. Matt quotes Teresa of Avila. God, I don't love you. I don't even want to love you, but I want to want to love you. The episode lands on a hard truth. Without a shared goal, there is no progress. And right now, we do not even agree that there should be a goal. Cheers y'all

For years, healthcare organizations focused on securing digital channels while treating phone calls as a trusted service channel. That assumption no longer holds true.  In this episode, Sandy sits with Jason Barr, the Vice President of Strategic Sales for Healthcare at Pindrop, who explains how AI-powered voice cloning, deepfakes, and synthetic identities are transforming the cybersecurity landscape. Jason shares how healthcare organizations can defend against AI-driven fraud, verify identity in real time, and protect patients, providers, and employees in a world where even a familiar voice may not be what it seems. In this episode, they talk about: AI has transformed the phone from a trusted service channel into a rapidly growing cybersecurity threat vector for healthcare organizations. Cybercriminals can now use AI-powered tools to launch thousands of voice-based attacks per day, dramatically increasing the scale and efficiency of fraud attempts. Many attackers use voice channels not for immediate theft, but for reconnaissance, collecting sensitive information that can later be used to target providers, payers, and patients. Traditional identity verification methods such as knowledge-based questions and one-time passcodes are becoming increasingly vulnerable to modern fraud tactics. Continuous identity verification is emerging as a new security model that validates users throughout an interaction rather than only at the point of authentication. Pindrop analyzes thousands of signals during voice interactions to determine whether a caller is who they claim to be, whether they pose a risk, and whether they are even human. Healthcare organizations are facing a growing challenge in distinguishing between legitimate automation and malicious AI-powered bots. Deepfake technology is now sophisticated enough to mimic both voices and video, creating new risks across hiring, workforce management, and patient-facing operations. Help desks and support centers remain attractive targets because attackers often use social engineering tactics to pressure employees into resetting credentials. Voice-based security solutions can reduce fraud while simultaneously improving operational efficiency and the customer experience. One healthcare organization achieved a 90% reduction in fraud after implementing voice authentication and risk detection technology. Healthcare leaders must begin evaluating voice security as part of their broader cybersecurity strategy, as AI-enabled attacks continue to grow at an unprecedented pace.  A Little About Jason: As a West Point graduate and former U.S. Army Officer, Jason brings the operational rigor, discipline, and leadership foundation of combat-tested command into the boardroom and the GTM arena. He thrives where GTM transformation is mission-critical: aligning strategy to investor outcomes, building high-performing teams, and delivering predictable growth.

First up,  Joveo, the programmatic recruitment marketing platform, launched AI Talent Campaigns, an AI-powered talent sourcing and engagement solution designed to simplify how recruiters create and manage candidate outreach. With Joveo's AI Talent Campaigns, recruiters simply describe the ideal candidates for a role and the specific goals of the recruitment campaign, and Joveo's AI agents automatically generate the messaging, outreach plan, targeting, and follow-up sequences.  https://hrtechfeed.com/joveo-introduces-ai-talent-campaigns/ CHANDLER, Ariz. — Vensure Employer Solutions, a leading provider of HR/HCM technology, managed services, and global business process outsourcing, announced the launch of Communication Hub, a unified, AI-powered workforce communication platform that enables businesses to deliver informed, connected, and engaged employee communications across every channel from a single system. https://hrtechfeed.com/vensure-employer-solutions-launches-ai-powered-employee-communication-platform/  Workday DevCon — Workday, Inc. (NASDAQ: WDAY), the enterprise AI platform for HR, finance, and IT, today unveiled new agentic capabilities in Workday Build, its platform for developers to build custom AI apps and agents that run on Workday. The new capabilities include Developer Agent, which lets developers build AI apps and agents in plain language from the agentic tools they already use; Agent-Ready Tools, which provide controlled guardrails for agents to access HR and finance data over Model Context Protocol (MCP); and Agent Passport, which gives agents digital stamps from trusted security and compliance vendors to verify they are safe to deploy.  https://hrtechfeed.com/workday-launches-new-tools-for-developers-to-build-connect-and-verify-ai-agents/ ZipRecruiter® (NYSE: ZIP), a leading online employment marketplace, today added automated candidate outreach to its Resume Database. The new feature, called Smart Outreach, uses AI to turn a job description into a personalized message series sent to candidates. With a click, hiring teams can start conversations with candidates without manual follow-up or time wasted. https://hrtechfeed.com/ziprecruiter-launches-new-recruiter-outreach-automation/ Bullhorn, the global leader in software for the staffing and recruitment industry, announced a major expansion of Bullhorn Amplify at Engage Boston 2026, the company's flagship annual conference: Amplify Digital Workers, four new digital worker skills—Prospect, Verify, Audit and Transcribe—and Amplify Chat, a new conversational interface that lets users interact with their Bullhorn data using everyday language.  https://hrtechfeed.com/bullhorn-unveils-amplify-digital-workers-at-engage-2026/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Show Notes: Mathooshan Manoharan talks about his time at Umbrex role and upcoming business school plans. Mathooshan shares his initial lack of business background and management skills when he joined Umbrex. Mathooshan explains his coffee chat strategy, including reaching out to professionals on LinkedIn and refining his message approach through A/B testing. The Coffee Chats Initiative Mathooshan details his experience with coffee chats, starting with over 150 and now over 400. He describes the types of coffee chats he had, including both virtual and in-person meetings. Mathooshan explains how he initially reached out to people on LinkedIn and refined his message to increase response rates. He talks about the importance of initiative and how anyone can replicate Mathooshan's approach. Learning from Coffee Chats Mathooshan shares that he didn't initially document his coffee chats but started after a conversation with Will. He created a spreadsheet to track response rates, positions, and sources of contacts. Mathooshan mentions the importance of follow-up calls and how he leveraged initial contacts to make more introductions. He discusses the value of documenting and learning from these interactions. The First Lesson Mathooshan outlines his first lesson: the importance of creating a project tracker to avoid forgetting tasks. He describes how he developed a system using checklists, notifications, and alerts in their CRM.  Will shares his own experience of learning the same lesson in the Navy. Mathooshan emphasizes the need for a structured approach to manage tasks effectively. Prioritization and Focus Mathooshan discusses the second lesson: the importance of prioritization and focus blocking. He explains how he initially struggled with shiny object syndrome and the need to prioritize tasks. Mathooshan describes how he started blocking time in his calendar for specific tasks and aligning priorities. They discuss the importance of setting clear expectations and managing workload effectively. Managing Upwards Mathooshan shares the third lesson: the importance of managing upwards and being pleasantly persistent. He explains how he learned to follow up effectively and make it easy for Will to respond. Mathooshan discusses the concept of "unless otherwise directed" (UOD) and how it helped him take initiative. Will and Mathooshan emphasize the importance of making it easy for managers to approve or correct tasks. Learning from Mistakes Mathooshan introduces the fourth lesson: the importance of learning from mistakes. He explains how he started a lessons learned sheet to document mistakes and their context. Mathooshan describes the root cause analysis he implemented to address the root causes of mistakes. Will and Mathooshan discuss the importance of systemic changes to prevent recurring mistakes. Team Management Mathooshan transitions to lessons learned in team management. He shares his initial overconfidence in managing a team and the challenges he faced. Mathooshan explains the importance of providing clarity, checkpoints, and systems for his team. Will and Mathooshan discuss the need for effective communication and support in team management. Trusting the Team Mathooshan introduces the fifth lesson: the importance of trust but verify in team management. He shares an example of a project where he trusted his team too much and the consequences. Mathooshan emphasizes the need for regular check-ins and spot checks to ensure tasks are on track. The conversation turns to the balance between trusting the team and maintaining oversight. Empowering the Team Mathooshan shares the sixth lesson: the importance of empowering the team. He explains how he initially had an individual contributor mindset and the need to change it. Mathooshan discusses the importance of explaining the "why" behind tasks and providing guidance. Will and Mathooshan emphasize the long-term benefits of empowering the team through training and support. Timestamps:  02:54: Effective Coffee Chat Techniques  05:24: Documenting and Learning from Coffee Chats  07:53: Lessons in Self-Management  10:32: Prioritization and Focus Blocking  13:11: Managing Upwards and Being Pleasantly Persistent  15:46: Never Waste a Good Mistake  18:38: Transitioning to Team Management  21:27: Trust but Verify  23:49: Empowering the Team  Links: Linkedin: https://www.linkedin.com/in/mathooshan-manoharan/ Substack: https://mathooshan.substack.com/ This episode on Umbrex: https://umbrex.com/unleashed/episode-648-mathooshan-manoharan-from-individual-contributor-to-manager-lessons-learned-at-umbrex/ Unleashed is produced by Umbrex, which has a mission of connecting independent management consultants with one another, creating opportunities for members to meet, build relationships, and share lessons learned. Learn more at www.umbrex.com. *AI generated timestamps and show notes.  

What happened to Grace Schara—and what can families learn from her story? In this powerful and emotional conversation, Mark and Amber Archer sit down with Scott Schara, father of Grace Schara, a 19-year-old young woman with Down syndrome whose death during a hospital stay launched Scott into years of research, advocacy, and public education. Scott shares his family's journey, the legal battle that followed, his concerns about the modern healthcare system, and practical steps families can take to advocate for loved ones in medical settings. The discussion also explores the concepts of the Hegelian Dialectic, the Banality of Evil, personal responsibility, discernment, and why Christians must evaluate every system through the lens of Scripture. Whether you agree with every conclusion or not, this conversation challenges listeners to think critically, ask questions, and prepare their families to navigate difficult medical decisions with wisdom and conviction. In This Episode ✅ Grace Schara's story
 ✅ The hospital experience that changed Scott's life
 ✅ The lawsuit against Ascension Health
 ✅ Medical protocols and patient advocacy
 ✅ The Hegelian Dialectic explained
 ✅ The Banality of Evil explained 
✅ Why informed consent matters
 ✅ Medical power of attorney considerations
 ✅ Biblical discernment and personal responsibility 
✅ Finding hope through suffering and faith in Christ Fearless Features https://www.fearlessfeatures.org Scott Schara https://www.ouramazinggrace.net Scott's Book Is the Government Legally Killing Us? https://a.co/d/09lMlGDZ Scott's Newsletter / Research https://ouramazinggrace.substack.com/ Deprogramming with Grace's Dad https://rumble.com/c/c-2054162 Related Article Schara Family Speaks Out After Jury Sides With Hospital in Wrongful Death Suit 
https://thenewamerican.com/us/healthcare/schara-family-speaks-out-after-jury-sides-with-hospital-in-wrongful-death-suit/ Scott Schara's Suggested Family Protection Steps The following are recommendations Scott shared during the interview: 1. Develop a Relationship with an Independent Medical Professional - Find a doctor who does not rely on Medicare or Medicaid reimbursement systems. - Seek objective medical opinions whenever possible. 2. Take Personal Responsibility for Research - Don't rely solely on medical professionals. - Read, study, and understand diagnoses and treatment options yourself. 3. Have a Durable General Medical Power of Attorney - Designate someone you trust to make medical decisions if you cannot. - Ensure that person understands your wishes. 4. Create Written Medical Directives - Clearly state treatments, medications, procedures, or interventions you do or do not consent to. - Review and update regularly. 5. Understand Hospital Consent Forms - Read everything before signing. - Ask questions regarding consent, treatments, biologics, vaccinations, and procedures. 6. Avoid Passive Participation - Ask why a treatment is recommended. - Request alternatives and supporting evidence. 7. Never Assume the Hospital Is Automatically Acting in Your Best Interest - Maintain awareness. - Verify information. - Ask questions respectfully but confidently. 8. Always Have a Dedicated Advocate Present - Have a trusted family member present whenever possible. - Ensure they know your wishes and can communicate them clearly. 9. Establish Leadership in Medical Interactions - View medical professionals as service providers rather than unquestionable authorities. - Be proactive rather than reactive. 10. Don't Leave Vulnerable Family Members Alone - Especially children, elderly parents, or disabled family members. - Maintain a continuous advocate presence whenever feasible. 11. Ground Decisions in Faith Rather Than Fear - Scott emphasizes that freedom from fear begins with confidence in Christ and eternal hope.

Do people regret having plastic surgery? Some people absolutely do! There are many reasons a person might regret having a cosmetic procedure and Amy did a deep dive on Reddit to find some of them. Dr. Martin and Amy discuss how to avoid having regrets about plastic surgery. Watch this episode on YouTube: https://youtu.be/Os-a8K4MC-w  Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at https://www.plasticsurgery.org

Imagine an officer investigating a suspect in a double child homicide is invited to review surveillance footage that would prove whether the suspect was at work or not. Now imagine the officer declines. According to the defense's appellate filings in the Richard Allen case, that is what happened with one of the most documented alternative suspects in the Delphi murders investigation. This man admitted to pagan rituals involving bloodletting, owned a .40 caliber weapon matching the round found at the crime scene, and had a direct connection to victim Abby Williams. His interview was recorded and then erased. The weapon stayed in his home. Tipsters repeatedly identified him, citing social media posts that, according to the defense, depicted dead girls with sticks over their bodies. An ISP Trooper flagged it and pushed for action. His superiors declined. The suspect's associate told officers he knew the murder woods "very well" and led a local pagan group. That interview wasn't even recorded. His alibi went unchecked for six years. Neither man has ever been charged. The jury never learned they existed. According to the defense filings, the first suspect told his wife his associate had killed Abby "with others." That statement is in the court record. The judge excluded it. This episode documents the alternative suspects, the alibis that fell apart, and the investigative choices that let them walk while Richard Allen was convicted.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#Delphi #RichardAllen #DelphiMurders #AbbyAndLibby #Odinism #TrueCrime #HiddenKillers #WrongfulConviction #DelphiInvestigation #JusticeForAbbyAndLibby

In this episode of Fraudology, host Karisse Hendrick welcomes back Marc Evans, a veteran Las Vegas detective and the founder of Fraud Hero. Marc provides an on-the-ground debrief of the rapidly shifting fraud landscape, sharing front-line insights into how criminal organizations are pivoting their tactics as traditional cash-out methods vanish.The conversation explores the dramatic downfall of major crypto ATM networks, highlighted by the recent bankruptcy of Bitcoin Depot, the country's largest operator. Marc details how local regulations and strict transaction caps have inadvertently decimated the crypto ATM business model , proving just how much of their revenue was quietly subsidized by elder abuse and organized crime. We look at what happens when 9,000 machines go offline overnight and how scammers are reacting to losing one of their favorite liquidation tools.We also explore the "hot topics" dominating the fraud landscape today:The AI Social Engineering Force Multiplier: How threat actors are combining generative AI with classic psychological manipulation to automate hyper-realistic phishing, clone voices, and scale scams to unprecedented levels.The Cognitive Bias of Automation: Why our increasing reliance on LLMs to summarize emails and messages is actively dulling human critical thinking, causing professionals and consumers alike to miss glaring red flags.The "Scam Formula" Framework: A breakdown of the universal four-part mechanics—the Hook, the Story, the Urgency, and the Payment —and how the simple mantra of "Pause, Think, Verify" can disrupt a fraudster's spell.Additionally, Marc dives into the terrifying rise of digital extortion targeting a new demographic: teenagers under 17. We break down the latest FBI IC3 data showing how AI-driven sextortion schemes are uniquely impacting youth across the country , highlighting why fraud education must urgently expand beyond senior citizens to protect the next generation.

A massive online gaming website, that's been described as a hunting ground for child predators by web safety groups here as well as by US officials has rolled out extra safety measures in New Zealand, including more parental controls. But Roblox's Chief Safety Officer has told Checkpoint the site can't verify the so called "parent" giving permission is legit. Matt Kaufman spoke to Lisa Owen.

Geoffrey Shugen Arnold, Roshi – ZMM – 5/21/26 – Are the words you are about to speak true? Verify them first through your own experience. Are they of benefit? Are they agreeable or disagreeable? Know your intentions and consider carefully before speaking. Drawing from the early teachings, Shugen Roshi offers the Buddha's guidelines for practicing right speech in ways that bring an end to conflict and suffering and offer a path of liberation. (Dharma Discourse during the May 2026 Fusatsu Ceremony at ZMM)

Dr. Deb Muth 00:04What if the future of healing isn’t about replacing cells, but about teaching your body how to heal itself again? We keep hearing the words stem cells and exoomes thrown around like they’re interchangeable, but they’re not. One is regulated, controversial, and often misunderstood. The other is rapidly emerging as one of the most exciting communication systems in human biology. Dr. Deb Muth 00:33And here’s the real question no one’s asking. Are we actually regenerating tissue or are we just stimulating the body to remember how it used to heal? Tired of being told your labs are normal, but you still feel terrible? At Serenity Healthcare Center, we don’t chase symptoms. We find the root cause. hormones, gut health, autoimmune conditions, chronic fatigue, brain fog. Dr. Deb Muth 01:02We use cuttingedge functional and regenerative medicine to get you real answers and a real path forward. This isn’t your average doctor’s office. This is medicine the way it was meant to be practiced. You deserve to feel like yourself again. Visit serenityhealthcarecenter.com to book your appointment today. Let us help you heal from the inside out. Dr. Deb Muth 01:28Welcome back to Let’s Talk Wellness Now. I’m Dr. Deb, your host. And if you’ve been following regenerative medicine, you’ve probably noticed the confusion. Patients are asking me every week, are exoomes stem cells? Are stem cells legal in the United States? I heard the FDA is shutting down all these clinics. Can I even get this therapy? Do I have to leave the country for treatment? Today, we’re cutting through the noise. This episode is not hype. Dr. Deb Muth 01:54It’s not sales. It’s education so you can understand the science, the regulatory reality, and the clinical difference between stem cell therapy and exoome therapy. And here’s what I want you to know right up front. Yes, these therapies are being used in the United States every single day. Yes, they’re being offered by highly trained physicians in integrative and regenerative medicine clinics across the country. Dr. Deb Muth 02:22Some are being used in FDA registered clinical trials. Some are being used in observational studies and some are being used in clinical practice under physician discretion. The landscape is nuanced and you deserve to understand it. So, grab your cup of coffee or tea and settle in for a deep dive into the most understood therapies in regenerative medicine. Dr. Deb Muth 02:43what they actually are, how they work, the regulatory landscape, and how they might support your body’s natural healing capacity. Let’s talk wellness now. So, let me start by asking you something. When you hear the word stem cell, what do you picture? Most people imagine damaged tissues magically regenerating or a torn meniscus growing back, cartilage reforming it into an arthritic joint or damaged brain tissue being replaced with healthy new beautiful cells. It’s a beautiful vision. Dr. Deb Muth 03:15And while it’s not quite that simple, the reality is actually more sophisticated and honestly more beautiful. Stem cells are powerful and they absolutely work, but the way they work and the mechanism by which they support healing is far more elegant and more so than most people really understand. And if you’re going to invest in regenerative therapy, you deserve to understand what you’re actually receiving. Dr. Deb Muth 03:44So, let’s start at the beginning. What are stem cells? At their core, stem cells are undifferentiated cells. That means they haven’t yet decided what they want to be when they grow up. Unlike a heart cell or a skin cell or a bone cell which have already committed to a specific function, stem cells exist in this beautiful state of potential. Dr. Deb Muth 04:05They have two remarkable abilities. First, they can self-renew. They can make copies of themselves, maintaining a reserve of these powerful cells throughout your lifetime. Second, they can differentiate under the right conditions. They can transform into specialized cell types. Bone cells, cartilage cells, nerve cells, muscle cells, even blood cells. Dr. Deb Muth 04:27This is why they’ve captured the imagination of the medical world. The potential is extraordinary. Now, there are several types of stem cells and understanding the differences matters tremendously for both understanding how they work and understanding how they’re regulated. Adult mezzenymal stem cells. We call these MSC’s are the most commonly used regenerative medicine. Dr. Deb Muth 04:54These come from bone marrow, atapost tissue, that’s fat, and other adult sources. They’re what we can call multi-potent, meaning they can become several types of cells, but not every type. A bone marrow stem cell isn’t going to become a brain cell, for instance. It has potential but it’s directed potential. Dr. Deb Muth 05:19Then we have perinatal stem cells. These come from umbilical cord blood cord tissue or something called Wharton’s jelly which is the gelatinous substance inside the umbilical cord. These cells are younger, more potent, and research by Weiss and colleagues published in stem cells back in 2006 showed that Wharton’s jelly derived MSC’s have superior proliferation and differentiation potential compared to bone marrow derived cells. Dr. Deb Muth 05:48They’re like comparing a 20-year-old athlete to a 50-year-old athlete. Both can perform, but one has more reserve capacity, more vigor, and more regenerative potential. And this isn’t this is very important because the perinatal sources umbilical cord tissue Wharton’s jelly amniotic tissue these are what many regenerative medicine clinics in the United States are using today and they’re using them because these tissues are incredibly rich in not just stem cells but growth factors cytoines and exoomes. Dr. Deb Muth 06:21Then there are embryionic stem cells. These are pur potent and they become any cell type in the body, but they’re highly regulated, ethically controversial, and honestly, they’re not being used in clinical practice in the United States outside of the very specific FDA approved research trials. Dr. Deb Muth 06:41So, when clinics talk about stem cell therapy, they’re almost never talking about embryionic stem cells. Now, here’s where it gets interesting and this is the part that changes everything about how we understand regenerative medicine. When you receive stem cell therapy, let’s say someone injects umbilical cord derived messenymal stem cells into your arthritic knee, those cells do not typically engraft or become new tissue in any permanent way. Dr. Deb Muth 07:12They don’t set up shop in your joint and start cracking out new cartilage cells for the rest of your life. So what are they actually doing then? Well, in 2011, researchers Arnold Arnold Kaplan and Dennis Korea published a landmark paper in stem cells translational medicine that fundamentally changed how we understand MSC therapy. Dr. Deb Muth 07:35They proposed that we should stop calling memal stem cells and start calling them medicinal signaling cells. Why? Well, because their primary therapeutic benefit doesn’t come from what they become. It comes from what they secrete. Think of stem cells as incredibly sophisticated biological pharmacies. When you inject them into damaged tissue, that arthritic knee, that inflamed autoimmune condition, that injured brain, that don’t just sit there passively, they sense the environment. Dr. Deb Muth 08:07They detect inflammation. They recognize the tissue damage and they understand that the immune dysregulation is present and they see that and respond. They start pumping out hundreds of bioactive molecules, growth factors that tell your cells to repair and rebuild, cytoines that modulate inflammation, chemocines that recruit your body’s own healing cells to the area. Dr. Deb Muth 08:32And these tiny membranes bound packages called extracellular vesicles, including exosomes, which we’re going to talk about extensively today as well. These secreted factors are giving instructions to your native cells. They’re saying, “Let’s reduce inflammation. Let’s modulate your immune response. Let’s promote angioenesis. Dr. Deb Muth 08:53” That’s the formation of new blood vessels, bringing nutrients and oxygen. Let’s stimulate your own resident stem cells to wake up and get to work. Reduce cell death in damaged tissue and restore normal cellular function. This is called paracrine signaling. It’s the cellto cell communication. And this is where the real therapeutic power lives. Dr. Deb Muth 09:14The stem cells themselves, many of them die within days to weeks, but the cascade of healing they trigger, the signals they send, the programs they activate in your own cells, those effects can last for months or even years. Now, this understanding is crucial because it explains why both stem cell therapy and exoo therapy can be effective. Dr. Deb Muth 09:38The stem cells are powerful not because they become new tissue but because of the signals they send and exoomes are those signals isolated and concentrated. The biggest misconception in regenerative medicine is that stem cells replace tissue and in reality they coach healing more than they become healing. They’re biological educators teaching your body to remember how it used to heal before chronic inflammation, toxicity, and disease turned off all those programs. Dr. Deb Muth 10:12So if stem cells don’t exactly end graft and become the new tissue, if their power is in their signaling and then next logical question is why do we need the cells at all? Well, if we could isolate the messengers themselves, what if we could deliver just the communication systems without any of the complexity of the living cells? Well, that’s exactly what exosomes are. Dr. Deb Muth 10:38And they represent the cutting edge of regenerative medicine. So, let me paint you a picture of how cells actually communicate. Because for most medical history, we had it wrong. For decades, textbooks taught us that cells talk to each other in two basic ways. through direct contact like shaking hands or releasing signaling molecules that floated through the extracellular space like messages in bottles, simple chemical messages. Dr. Deb Muth 11:09But in the 1980s and 90s, researchers started discovering something far more sophisticated. cells were releasing these tiny membrane bound packages like a biological FedEx envelope kind of you know it was filled with complex specific cargo and these packages could travel through the blood cross the barriers that normally keep things out like bloodb brain barrier and deliver their contents to distant cells with remarkable precision. Dr. Deb Muth 11:38These are called extracellular vesicles. And exoomes are one of the most therapeutic important types. So what exactly are exosomes? Well, they’re nanosized vesicles, typically 30 to 150 nanome in diameter. To put that into perspective, a human hair is about 100,000 nanometers wide. These are incredible and most impossibly tiny. Dr. Deb Muth 12:09They’re released by virtually all cells in the body, but the most therapeutically interesting exoomes come from mezenymal stem cells. And those medicinal signaling cells we just discussed. And according to a landmark review of Raposo and Stervogal, they published in the journal of cell biology in 2013, exoomes are not cellular debris. They’re not waste products. Dr. Deb Muth 12:35They are precisely engineered communication vesicles or vehicles. Think of them as sophisticated delivery systems carefully packed, carefully labeled, and sent to specific destinations. very specific instructions. Inside each of these exoomes, you’ll find an incredibly sophisticated payload. They are microRNAs. These are small RNA molecules that can literally turn genes off or on in the recipient cells. Dr. Deb Muth 13:06They can tell a cell to start making more collagen, to reduce inflammatory proteins, to activate repair programs that have been shut down by chronic disease for a very long time. There are messenger RNAs, actual templates for protein production. And exoome can deliver these instructions for making healing proteins. There are proteins themselves, growth factors, cytoines, enzymes, all the molecular tools a cell needs to heal. Dr. Deb Muth 13:34And there are lipids, specialized fats that help the exoome membrane fuse with targeted cells, delivering the cargo inside. When an exoome reaches its target cell, it can either fuse the cell membrane and deliver its contents directly inside like a Trojan horse, or it can bind to surface receptors and trigger signaling cascades, setting off a chain reaction of healing responses. Dr. Deb Muth 14:01Either way, it’s delivering very specific targeted instruction. And here’s what makes this so powerful. Those instructions are tailored to what this recipient cell actually needs. So, let me give you some concrete examples of what the research actually shows because this is where it really gets exciting. When researchers inject MSC derived exoomes into hearts that had experienced eskeeia, reprofusion, injury, that’s damaged blood flow being cut off and then being restored. Dr. Deb Muth 14:36Kind of like what happens during a heart attack. Something remarkable happened. A study by Lei and colleagues published in stem cell research in 2010 showed that exoomes significantly reduced the size of the damaged area, reduced inflammatory cytoines that drive tissue destruction and promoted tissue repair signaling. The exoomes were telling the heart cells stop the inflammatory cascade, activate your survival programs and repair the damage. Dr. Deb Muth 15:06In cartilage research, tow and colleagues published work in biioaterials in 2017 showing that exosomes derived from MSC’s could promote cartilage regeneration in osteoarthritis models. And the exoomes carried specific microRNAs that told condondroytes cartilage cells to proliferate and make more extracellular matrix, the structural framework of healthy cartilage. Dr. Deb Muth 15:30for autoimmune conditions. Research by Blazic and colleagues in Frontiers in Immunology in 2014 demonstrated that MSC derived exoomes could shift immune cell behavior from pro pro-inflammatory to regulatory. They could take an overactive self-attacking immune system and restore balance and promote tolerance. And perhaps most exciting brain research, a study by Zinn and colleagues published in the journal of extracellular vesicles in 2013 showed that MSC derived exoomes could cross the bloodb brain barrier. Dr. Deb Muth 16:07That protective shield around your brain that normally keep things out and promote neurological recovery in stroke models. They reduced brain inflammation, promoted neuroplasticity, supported the formation of neural connections, and for mitochondrial dysfunction, which underlies so many chronic conditions, Morrison and colleagues published research and scientific reports in 2017 showing that MSC derived exoomes can actually deliver functional mitochondria or mitochondrial components to damaged cells. They’re not Dr. Deb Muth 16:40just sending instructions, they’re sending spare parts. They’re restoring the cellular powerhouses to produce energy. So why are exoomes fundamentally different from stem cells? Well, exoomes contain no living cells. They can’t replicate. They can’t end graph. And they have virtually no risk of immune rejection or tumor formation. Dr. Deb Muth 17:03Concerns that exist elevate rarely with cellular therapies. They’re essentially biological software updates for your cells. As Fineian Pitiger wrote in their seinal review in stem cells in 2017, MSC derived exoomes represent the active ingredient of stem cell therapy delivered in a cellfree format. That’s the key insight in the in the therapeutic benefit of stem cells and it comes from what they excrete. Dr. Deb Muth 17:33Then exoomes are the secretion isolated, concentrated, and standardized. From a practical clinical standpoint, exoomes offer several compelling advantages. First, consistency. Because exoomes can be isolated, characterized, and standardized, each dose can be remarkably consistent. With living stem cells, there’s variability based on donor age, health status, processing methods, and one batch may be robust, but another might be weaker. Dr. Deb Muth 18:05With exoomes, you can measure the content, measure the potency, and ensure the quality control. Second is storage. Exoomes can be liophalized. They can be freeze-dried and stored at room temperature or refrigerated for extended periods. Stem cells require cryopreserv preservation, careful freezing, careful thawing. They’re fragile. Dr. Deb Muth 18:31Exoomes are remarkably stable. And third, their safety profile. Without living cells, the risk of adverse imunological reactions is dramatically lower. You’re not introducing foreign cells that your immune system might recognize and attack. You’re introducing molecular messages. Fourth is scalability. You can harvest millions, even billions of exoomes from stem cell cultures without ever injecting the cells themselves. Dr. Deb Muth 19:01And you can produce large quantities, standardize them, and make them available to patients. Now, there is a caution here in doing this. The scalability can produce rogue cells, and we want to be cautious of that. So, here’s what I need you to understand. Exoomes don’t force healing. They remind the body how healing works. Dr. Deb Muth 19:24They’re not replacing damaged cells. They’re re-educating the cells you already have. They’re turning back time on the biological programs that got turned off by inflammation, toxicity, trauma, time, and chronic disease. Your body knows how to heal. It’s done its entire life. Every cut that closed, every bone that mended, every infection you fought off, your body orchestrated that healing. Dr. Deb Muth 19:51The problem is that chronic disease, chronic inflammation, toxic exposures, poor nutrition, stress, all of these things disrupt the communication networks that coordinate healing. And exoomes restore that communication. They’re like rebooting a computer that’s frozen. They reset the system and remind it how it’s supposed to function. All right. Dr. Deb Muth 20:14So, this would not be complete if we didn’t talk about regulation because this is where a lot of confusion exists. And I want you to be given a real picture. Not fear-mongering, not pretending. There aren’t regulatory considerations, but the actual practical reality of how regenerative medicine is practiced in the United States today. Dr. Deb Muth 20:38Here’s what you need to understand. The FDA regulates these therapies and they have specific frameworks, but there’s important nuances between regulatory text enforcement priorities and actual clinical practice. And there are also state level regulations that provide additional pathways. The FDA regulates human cells, tissues, and cellular and tissue based products. Dr. Deb Muth 21:05We call them HCT/PPS under two main pathways. Section 361 products are those that meet specific criteria. They’re minimally manipulated, intended for homologous use, meaning these tissues perform the same basic function in the recipient as it did in the donor. They’re not combined with non-tissue components and they’re either autotogus, meaning they come from your own tissue, or they have had minimal systemic effect. Dr. Deb Muth 21:38An example of a clear 361 procedure, your doctor harvests your own bone marrow, we call this PRP, performs minimally processing to or uh perform Yeah. performs minimal processing to concentrate the stem cells through a centriuge and injects it into your arthritic knee the same day. That’s autogus same day but minimally manipulated. Dr. Deb Muth 22:04This is unquestionably legal and is being done in regenerative medicine clinics across the country every single day. So there’s section 351 where products are those that don’t meet all the section 361 criteria. They’re classified as drugs or biologic products and they require FDA approval through clinical trials. Dr. Deb Muth 22:27Now here’s where this gets more nuanced. There are regenerative medicine clinics across the United States using stem cell and exoome therapies in different contexts. First FDA registered clinical trials. These are formal research studies with investigational new drug applications. Patients enroll in trials. They sign informed consents. Dr. Deb Muth 22:48They receive therapies as part of their structured research protocols. And this is completely legal and represents the gold standard for gathering evidence. Second is observational studies and registry programs. Many clinics are collecting systemic data on patient outcomes using these therapies even outside the FDA trials. Dr. Deb Muth 23:12They’re documenting results, tracking safety, and contributing to the growing body of clinical evidence. Third, there’s clinical practice under physician discretion. There are physicians using these therapies based on their own clinical judgment informed consent from patients and their interpretation of the regulatory framework particularly around minimal manipulation and homologous use. Dr. Deb Muth 23:34Now there are also state regulations that provide additional legal frameworks. So, for example, Florida has enacted the Right to Try Act and specific regenerative medicine legislation that allows physicians to offer certain stem cell therapies under the state oversight. Utah has passed similar legislation creating pathways for regenerative medicine products. Dr. Deb Muth 23:57And these state laws recognize that patients should have access to potentially beneficial therapies, particularly when used by trained physicians with appropriate informed consent. The regulatory question often centers around are these products minimally manipulated. Some products clearly are not. They’ve been cultured. Dr. Deb Muth 24:20They’ve been expanded in laboratories and those require FDA approval that they don’t have. The FDA has appropriately shut down clinics using those products. But there are other products that undergo processing that many physicians and manufacturers argue constitutes minimal manipulation. And these tissues are cleared, potentially fragmented or particulated to make them more suitable for injection, preserved using methods like cryopreservation or liophalization and packaged. Dr. Deb Muth 24:54But the cells are not cultured or expanded in the laboratory. The FDA has issued guidance suggesting that many of these processing steps constitute more than manipul minimal manipulation. But many physicians, particularly those who specialized in regenerative medicine for years, disagree with that interpretation and they believe that the processing qualifies as minimal manipulation and that the product should fall under section 361 when used for homologous purposes. Dr. Deb Muth 25:24Is there regulatory debate? Absolutely. The FDA and some clinicians have different interpretations of what constitutes minimal manipulation. But here’s the practical reality. There are hundreds of well-trained, bore certified physicians across the United States offering these therapies every single day. Dr. Deb Muth 25:42They’re doing so based on their understanding of the regulations, their clinical experience, their commitment to patient safety, and their belief that these therapies can help people who have exhausted conventional options. The FDA’s enforcement priorities have focused primarily on the most problematic cases. Clin clinics making blatant disease cure claims, products with documented safety issues, clear cases of cellular expansion and culture, or clinics operating with no medical oversight. Dr. Deb Muth 26:15Reputable regenerative medicine physicians are using products from companies that provide comprehensive documentation of their processing methods. third-party sterility testing, certificates of analysis showing bioactive content, and quality control measures that meet or exceed industry standards. Now, let me be very clear about something. Dr. Deb Muth 26:36Quality matters enormously. Not all stem cells and exoome products are created equal. Research by Burger and colleagues published in the Orthopedic Journal of Sports Medicine in 2021 analyzed 12 commercially available stem cell products and found that many contained zero viable cells, high levels of bacteria, endotoxins and inconsistent growth factor concentrations. Dr. Deb Muth 27:01This is why the company providing these biologic matters tremendously. You want products from manufacturers who provide transport documentation in sourcing and processing. Conduct third-party testing and sterility and potency. Offer certificates of analysis for each batch. Use standardized validated processing protocols. Dr. Deb Muth 27:24Have quality control measures that ensure consistency and don’t make outrageous cure claims or promise. The best regenerative medicine physician carefully vet their suppliers. They don’t use products from companies making unrealistic promises. They use products from manufacturers who are transparent, scientifically rigorous, and committed to quality. Dr. Deb Muth 27:46Now, you specifically ask about homologous use and collagen defects. So, let me address this directly for you. Under the FDA guidance, homologous use means the tissue performs the same basic function in the recipient as in the donor. So for connective tissue, tendons, ligaments, cartilage, fascia, all of that which are collagenrich structures using MSC’s or their derivatives could be considered homologous use. Dr. Deb Muth 28:17MSC’s in their native environment provide structural support to produce extracellular matrix including collagen. Using them to support healing in damaged collagen rich tissues like arthritic joints, torn tendons or degenerative ligaments is arguably the same basic function. So using exoomes derived from MSC’s to support collagen synthesis reduce inflammation and promote tissue healing in the same structures. Dr. Deb Muth 28:46Many practitioners argue this also qualifies as homologous use because you’re supporting the structure and function that MSC’s would naturally support. So here’s the bottom line on the regulatory reality. Regenerative medicine is available in the United States. It’s being offered by highly trained physicians in integrative and regenerative medicine clinics across the country. Dr. Deb Muth 29:11Some therapies are offered in FDA registered clinics and some are offered in observational studies. Some are offered in clinical practice under physician discretion, informed consent, and careful attention to safety. The regulatory landscape is evolving. There are ongoing discussions both federally and state levels about creating clearer pathways for these therapies. Dr. Deb Muth 29:32So, if you choose to go down this road, you want to work with physicians who understand the regulations, who use quality products from reputable manufacturers with rigorous testing and documentation, who are transparent about what they’re using and why, who discuss the current regulatory landscape honestly with you, and who prioritize your safety and truly informed consent above all else. Dr. Deb Muth 29:55This is not a lawless wild wild west. But it is also not as simple as everything is legal and unavailable. It’s a nuanced landscape that requires ethical knowledge. And these practitioners that have this knowledge have got to provide informed patients who understand both the potential benefits and the current regulatory context. Dr. Deb Muth 30:17So let’s have some fun here. Let’s talk about what really matters to you that are listening and that’s what conditions are being supported with these therapies. What does the research show and what are clinicians seeing in actual practice with patients? Because here’s what’s really important. We have both published research evidence and extensive clinical experience. Dr. Deb Muth 30:38And when the two align, that’s when we can feel confident and comfortable about using these approaches. So, let’s start where we have the most substantial evidence. joint health and muscularkeeletal conditions. For arthritis, we have good data. A systemic review by Tan and colleagues published in arthritis research and therapy in 2021 analyzed 20 randomized controlled trials in MSC therapy for knee osteoarthritis. Dr. Deb Muth 31:05They found significant improvements in pain and function particularly in mild to moderate disease. What’s really interesting is when researchers start analyzing whether it was the cells themselves or their secreted factors doing the work. They found that exoomeenriched preparations showed similar benefits to whole cell therapy. Dr. Deb Muth 31:26Now towen colleagues in the biioaterials paper from 2017 demonstrated that MSC derived exoomes could promote cartilage matrix synthesize and reduce inflammation markers. The exoomes carried microarnas that told cartilage cells to make more collagen and proteoglycans, the building blocks of healthy cartilage. Dr. Deb Muth 31:49In clinical practice, physicians are seeing patients with knee, hip, shoulder, and spinal arthritis, experiencing reduced pain, improved function, better motility, and in some cases, measurable improvements in their tissue. I want to share a story here with you because back in 2006, my husband was injured at work. Some of you might have heard me tell this story before. Dr. Deb Muth 32:11Um, he broke two discs in his back and underwent surgery very early on when we started using stem cells. They had put cages and plates in and they used MSC’s to put inside the cage to create a hardened bone so that he could have a fusion and hopefully not have any pain. At the time, what the physician didn’t realize or mistakenly did was he did not put any human bone mixed with these dead cadaavver bone MSC’s. Dr. Deb Muth 32:42And so the MSC’s never grew. They didn’t have anything to grow by. So the plates and the screws just kind of went back and forth for six months before he could see another physician that would look at him differently and understand what actually happened. That was very early on. Today we know so much more than we did before. Dr. Deb Muth 33:01Fast forward to 2014 when my husband was having problems and he couldn’t feel his legs, he couldn’t feel his feet. We decided to undergo uh exoo and stem cell therapy again and we saw a physician in Florida who harvested cells from his bone marrow and his blood and his fat and mixed that all together and then put that back into the back. Dr. Deb Muth 33:27and he had tremendous benefit from it. So, I tell this story because I want you to see the trajectory of how long this has been going on that we’ve been using this and we’re learning as we’re going and things are changing rapidly in this in this world. And so, what we know today and what I’m teaching you today may very well change in a month or six months or a year from now, but we have the foundation at least to understand what is helpful, what is not right now. Dr. Deb Muth 33:54But just be aware that if you’re embarking on exoome or stem cell therapy or MSC’s that you understand that this terrain is going to change. So back to my conversation about what other things can we treat? Well, we can treat tendon and ligament injuries, chronic tennis elbow, Achilles tendonopathy, rotator cuff tears, chronic planter fasciitis. Dr. Deb Muth 34:17These were researched by PA and colleagues in the American Journal of Sports Medicine in 2017 and it showed that bone marrow concentrate injections resulted in improved pain and function compared to steroid injections. Now this mechanism appears to be enhanced collagen remodeling and reduced chronic inflammation. Dr. Deb Muth 34:39These are structural collagenrich tissues using MSC’s or their derivatives for structural support which makes biological sense. It’s homologous use. It’s similar. So clinically we’re seeing athletes, active adults and people with chronic pain who failed physically um failed physical therapy, failed conservative treatments finding relief in this functional uh improvement in this functional world that we live in today. Dr. Deb Muth 35:07So, I want to be clear about what we’re doing here for joint and muscularkeeletal issues. We’re not growing completely new cartilage from scratch or severely destroyed joints. We’re not magically regenerating tissues that’s been gone for decades. That’s not possible here. What you’re doing when you’re using MSSE’s and exoomes is supporting the body’s natural ability to repair, reducing inflam inflammation and damage, and we’re driving progressive degeneration uh or we’re stopping the progressive degeneration. By reducing the Dr. Deb Muth 35:41inflammatory damage, we’re stimulating resonant stem cells that have been dormant. We’re improving blood flow and uh uh oxygen to the tissues like cartilage and tendons. and we’re organizing the body to start creating its own quality collagen as it heals. So, it’s a regenerative support, not a tissue replacement. Dr. Deb Muth 36:07But for many people, this support is lifechanging. So, let’s talk about autoimmune disorders now because this is one of the most exciting and unrecognized applications. autoimmune conditions like rheumatoid arthritis, lupus, MS, Crohn’s disease, ulcerative colitis, Hashimoto’s, they all involve the immune system and the immune system is deregulated. Dr. Deb Muth 36:30And so basically your immune system is seeing this tissue as foreign and it’s attacking it. These MSC’s and their exoomes have profound immune modulatory properties. They don’t suppress the immune system like steroids or imunosuppressive drugs. They modulate it helping to restore balance. So for rheumatoid arthritis, research by Weang and colleagues in stem cells translational medicine in 2016 showed that MSC derived exoomes could shift the balance of immune cells, reducing pro-inflammatory TH7 cells that drive joint disruption uh and increase Dr. Deb Muth 37:08regulatory TE-C cells that maintain immune tolerance. So for MS, a clinical trial by Kasus and colleagues published in archives of neurology back in 2010 evaluated autotogus MSC therapy and MS patients and they found evidence of reduced disease activity, improved neurological function and decreased inflammatory uh lesions on MRI scans. Dr. Deb Muth 37:34The proposed mechanism is MSC’s and their exoomes reduce inflammatory cytoine production promote regulatory imu immune populations support remination of damaged nerves that is rebuilding the protective coating around the nerve fibers and it reduces bloodb brain barrier permeability which prevents immune cells from attacking their brain and spinal cord. Dr. Deb Muth 38:02And so for inflammatory bowel disease, the research by Barnholm uh sorry Barnhorn and colleagues in gut in 2020 showed that MS cell MSC derived extracellular vesicles could support mucosal healing and reduce inflammation in the gut lining. They appeared to restore intestinal barrier function, healing that leaky gut and modulating local immune responses. Dr. Deb Muth 38:30So in clinical practice, physicians are seeing patients with autoimmune conditions, experiencing reduced disease flares, decreasing the need for imunosuppressive medications, improving energy and quality of life, and in some cases extending periods of remission. But here’s what I want you to understand. Dr. Deb Muth 38:52When you see these therapies for autoimmune conditions, we are supporting immune regulation and reducing inflammatory damage. We are not treating or curing the disease in a conventional sense. These therapies work best as part of a comprehensive functional medicine approach that also addresses gut health because 70% of your immune system lives in your gut and environmental triggers like mold, heavy metals, chemical toxins that can drive autoimmune responses, chronic infections that can trigger immune disregulation, stress and nervous system imbalance. And Dr. Deb Muth 39:29these nutritional deficiencies are necessary to help improve the immune function. So regenerative therapy without addressing root causes is like bailing water out of your boat without plugging the hole. You might get temporary relief, but the underlying problem still remains. So let’s talk about neurological conditions. Dr. Deb Muth 39:52And this is where the science gets truly fascinating. for traumatic brain injury and concussion. Research by Zang and colleagues in the Journal of Neurot Trauma in 2015 showed that MSC derived exoomes could reduce brain inflammation, promote neuroplasticity, that’s the brain’s ability to rewire itself and improve cognitive outcomes in animal models. Dr. Deb Muth 40:17The exoomes crossed the bloodb brain barrier, delivered neuroprotective proteins and microRNAs. They reduced inflammation, supported mitochondrial function in injured neurons and promoted both new blood vessels from new blood formation and neurogenesis and the birth of new neurons occurred. Neurological recovery requires a multi-systematic approach. Dr. Deb Muth 40:42Exoomes may support neural repair, but they work best combined with hormone optimization, growth hormone, testosterone, thyroid, pregnnolone, mitochondrial support compounds like NAD, CoQ10, PQQ, carnitine, all of those things that we use traditionally in functional medicine. Now for stroke recovery, there was research by Zinn and colleagues in the journal of extracellular vesicles that showed MSC derived exoomes reduced the size of brain damage and improved neurological recovery in animal models. There was a Dr. Deb Muth 41:19Parkinson’s disease study done by Kimoji and colleagues in the movement disorders in 2018 that suggested that MSSE derived exoomes could support dopamineergic neuron survival and those are the cells that die in Parkinson’s and it can help to reduce neuroinflammation. Clinically, physicians are seeing improvements in patients with postconussion syndrome, chronic traumatic brain injury, early stage cognitive decline, and other neurodeenerative conditions. Dr. Deb Muth 41:52These are not cures, but meaningful improvements in cognitive function, mood, energy, and quality of life. Now, let’s talk about autism spectrum disorder very carefully here because this is a very sensitive but very important topic for families. There have been several clinical trials that have explored MSC therapy for autism. Dr. Deb Muth 42:16Liv and colleagues published research in stem cell translational medicine in 2013 showing improvements in social interaction, communication, and behavioral symptoms in children with ASD who received cord blood MSC’s. Dawson and colleagues in 2017 conducted randomized trial autotogus cord blood infusion and found modest improvements in social communication particularly in children with higher baseline immune dysregulation. Dr. Deb Muth 42:47The proposed mechanisms for modulation of neuroinflammation support the mitochondrial function because many children with autism show evidence of mitochondrial dysfunction, reduction of oxidative stress, improvement in gut brain access dysfunction and modulation of immune dysregulation. In clinical practice, some physicians are seeing improvements in some children, better eye contact, increased language development, reduced sensory sensitivities, improved social engagement, but responses vary significantly, and we cannot predict which children will benefit most. So for Dr. Deb Muth 43:26families considering regenerative approaches for autism, these therapies are supporting the body’s healing mechanisms, reducing neuroinflammation, supporting cellular energy production, modulating immune function. These should only be considered as part of a comprehensive biomedical approach that includes dietary interventions to address food sensitivities, support gut health, environmental toxin removal, particularly heavy metals and chemical exposures, gut healing protocols with targeted probiotics and nutrients, Dr. Deb Muth 44:00metabolic testing and targeted supplementation, and evidence-based on behavioral and developmental therapies. These therapies should only be pursued with practitioners who are honest about what we know and what we don’t know and who follow rigorous safety protocols who never promise cures and who view regenerative medicine as a tool in the comprehensive healing strategy, not a standalone miracle. Dr. Deb Muth 44:26Not only that, these therapies will most likely need to be given several times over the course of this person’s lifetime, possibly even on an annual basis. And this is really important because it is not a oneandone. It is not a one-sizefits-all, and it needs to be looked at as a long-term option for working with autism. So, since we’re looking at stem cells versus exoomes, living cells, with stem cell therapy, you’re receiving living cells that can survive in your body for days to weeks. Dr. Deb Muth 45:02With exoome therapy, there are no living cells, just biological messages they would have sent. So, replication stem cells can potentially replicate. Although therapeutically this happens minimally, exoomes cannot replicate. They deliver the cargo and then they are cleared by your body. With stem cells, it’s primarily paracrine signaling. Dr. Deb Muth 45:28They’re coaching your cells to heal. With exoomes, it’s pure signaling, pure reprogramming your cells without any cellular component. Stem cells as we talked about can be autotogus from your own bone fat, blood or um bone marrow or allergenic from umbilical cord tissue or Wharton’s jelly. Dr. Deb Muth 45:50Exoomes are typically derived from cultured MSC’s often from umbilical cord or bone marrow sources and both can be given by local injection for targeted treatment of joints and tissues and exoomes can be given intravenously for whole body systemic support. both have um low immun immunogicity. I can’t say that word today. Dr. Deb Muth 46:17But exoomes have even lower risk since they contain no cellular material. Now, it’s absolutely critical for you to understand that there are massive quality differences. We’ve talked about this earlier. I want you to be very aware of this and have a conversation with any of the practitioners that you’re considering undergoing this treatment with. Dr. Deb Muth 46:37Here is where it matters more than anything when you’re considering regenerative medicine, the quality of the products and the expertise of the practitioner. Because the reality is not all regenerative medicine products are created equal. We all know that when we take different supplements and not all practitioners understand these therapies at the same depth. Dr. Deb Muth 46:58You want to look for practitioners that are board certified or have some kind of specialized regenerative medicine training. You want to know their clinical experience. How much have they done these procedures? How long have they done this? You want honest communication about the evidence and the limitations in this. Dr. Deb Muth 47:17You want a comprehensive functional medicine approach to go along with these therapies. And you want somebody that’s transparent about their informed consent and their regulatory status. If you have people that are uh claiming that they can cure disease or giving you guarantees, that is not that is not a good practitioner to work with. Dr. Deb Muth 47:37If you have high pressure sales tactics, you need to decide today limited supply for a week. These are marketing manipulations. It’s not medical care. You want to be cautious of extremely low prices because quality regenerative products are expensive to source, process, and test. and store. And if somebody’s offering stem cells or exoomes for a few hundred dollars, seriously, you need to question the quality, the safety, and where they got this from. Dr. Deb Muth 48:09So before undergoing any regenerative therapy, make sure you’re having a very, very lengthy conversation with the person and so you truly understand exactly what you’re getting, how it’s going to be delivered, and what they’re going to do. If there’s one thing I want you to take away from today is that your body has remarkable capacity to heal when given the right biological signals and the right environment. Dr. Deb Muth 48:35Stem cells and exoomes are powerful tools for providing biological signaling that can reduce inflammation, modulate immune function, support tissue repair, and restore cellular communication that’s been disrupted by chronic disease and inflammation. These therapies are available in the United States through trained physicians working in FDA registered trials, observational studies, and clinical practice, and using quality products from manufacturers with rigorous testing and quality control. Dr. Deb Muth 49:04So before you invest in regenerative medicine, do your homework. Ask detailed questions about product quality and source. Verify the products come from reputable manufacturers with certificates of analysis, third-party testing. Work with experienced practitioners. And remember, no injection, no infusion, no biologic can overcome ongoing toxic exposure, chronic stress, poor nutrition, gut dysfunction, and inadequate sleep. Dr. Deb Muth 49:34True healing requires your body and you to actively participate in this healing. If you are unwilling to address the root causes and change the lifestyle factors that disrupted your health in the first place, the biologics can amplify your healing signals, but you have to create the internal environment where healing can actually happen. Dr. Deb Muth 49:56So, I hope this episode has helped you understand regenerative medicine more clearly. Share it with somebody who’s looking for healing beyond the conventional approaches. And until next time, this has been Let’s Talk Wellness Now. Have a blessed day. >> Welcome to Let’s Talk Wellness Now, where we bring expert insights directly to you. Dr. Deb Muth 50:16Please note that the views and information shared by our guests are their own and do not necessarily reflect those of Let’s Talk Wellness Now, its management, or our partners. Each affiliate, sponsor, and partner is an independent entity with its own perspectives. Today’s content is provided forformational and educational purposes only and should not be considered specific advice, whether financial, medical, or legal. Dr. Deb Muth 50:41While we strive to present accurate and useful information, we cannot guarantee its completeness or relevance to your unique circumstances. We encourage you to consult with a qualified professional to address your individual needs. Your use of information from this broadcast is entirely at your own risk. Dr. Deb Muth 51:00By continuing to listen, you agree to indemnify and hold Let’s Talk Wellness Now and its associates harmless from any claims or damages arising from the use of this content. We may update this disclaimer at any time, and changes will take effect immediately upon posting or broadcast. Thank you for tuning in. We hope you find this episode both insightful and thought-provoking. Listener discretion is advised.The post Episode 265 – The Future of Healing: How Exosomes Re-Educate Your Body to Heal Itself first appeared on Let's Talk Wellness Now.

To help us understand how this technology could protect consumers, what role the National Consumer Commission will play, and what South Africans can expect as the rollout progresses, John Maytahm is joined by Hardin Ratshisusu, Acting Commissioner at the National Consumer Commission. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this episode of the Planet MicroCap Podcast, I spoke with Leo Trudel, Co-Founder of Aurelion Research, to dig into his global, top-down approach to finding mispriced companies across micro, small, and mid-cap markets - and why he built a firm where the research and the portfolio are one and the same. We break down his obsession with free cash flow over adjusted EBITDA, how he uses AI to hold management teams accountable to years of past guidance, why tankers may still be more compelling than people think, and his contrarian take on where the AI capex buildout is headed. We mention several companies and sectors during this conversation, and I'm not a shareholder in any of them. For more information about Aurelion Research, please visit: https://aurelionresearch.com/ Chapters: 00:00 Introduction to Leo Trudeau and Aurelion Research 01:58 Leo's Investment Journey and Philosophy 06:42 The Aha Moment: Founding Aurelion Research 08:37 Defining Mispricing in Investments 10:57 Top-Down Approach to Investment Selection 13:05 Identifying Quality Companies in Trending Industries 15:16 Navigating Mispricings and Investment Philosophy 18:52 The Importance of Cash Flow Over Adjusted EBITDA 22:55 Red Flags in Accounting Practices 23:56 Finding Opportunities in Crowded Industries 28:10 The Shipping Industry's Demand Surge 31:02 Navigating Chemical Market Challenges 32:20 Timing and Sentiment Indicators 36:56 Evaluating Management: Green and Red Flags 41:53 Qualitative Due Diligence: Real-World Insights 47:14 The Power of Being Contrarian 50:35 Evolving Beliefs: Lessons from Experience Planet Microcap hosts the highest quality in-person microcap events in North America. The mission is to bring the best microcap investors, companies, and allocators together to gather, connect, and grow.; visit https://planetmicrocap.com/ to learn more about our Las Vegas and Toronto events. This presentation is for informational purposes only and should not be construed as a recommendation to purchase or sell any security referenced herein. Planet MicroCap Holdings LLC and MicroCapClub LLC (collectively, “we” or “our”) are not licensed brokers nor registered investment advisors. We, our partners, contractors, members, subscribers, guests, or affiliates may or may not hold positions in one or more of the securities mentioned in this presentation and may trade in such securities at any time. We may have received cash compensation from one or more participants for presenting at past, present, or future events. We recommend you consult a licensed investment adviser, broker, or legal counsel before purchasing or selling any securities referenced in this presentation.

SummaryIn this episode, Tyler Wells, co-founder and CTO of BrainGrid.ai, shares his extensive experience in entrepreneurship, AI development, and the evolving role of software engineers in the age of AI. Discover insights on building AI-driven platforms, managing projects, and the future of software creation.TakeawaysEntrepreneurship journey and lessons learnedBuilding AI platforms and managing projectsThe role of human ingenuity versus AI automationChapters00:00 Introduction to Tyler Wells and His Journey02:55 The Entrepreneurial Journey: Lessons from Failures05:41 Transitioning from Employee to Entrepreneur10:15 The Impact of AI on Business and Employment11:14 Building with AI: The Evolution of BrainGrid14:14 The Role of Engineers in an AI-Driven World24:05 The Future of Software Engineering and AI Pilots27:07 Challenges in Software Development with AI32:14 Transforming Ideas into Actionable Plans40:47 Navigating the Challenges of Non-Technical Users47:18 Prototyping vs. Production: Understanding the Difference53:06 The BrainGrid Framework: Build, Verify, TrustConnect with Tyler: https://www.braingrid.ai/https://www.linkedin.com/in/tylerswells/Credits:Hosted by Ryan RoghaarProduced by Ryan RoghaarTheme music: "Perfect Day" by OPM  The Eggs Podcast Spotify playlist:bit.ly/eggstunesThe Plugs:The Show: eggsthepodcast.com@eggsthepodcast on X and InstagramMike "DJ Ontic": Shows and info: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠djontic.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@djontic on twitterRyan Roghaar:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠rogha.ar⁠

Favour Obasi-ike, MBA, MS breaks down the semantic web SEO concept of "page indexing," explaining that it is simply the process by which search engines discover, crawl, and store your web pages in their database. Using a library analogy, he explains that just as a library must log a newly purchased book before patrons can find it on the shelf, Google must index your pages before users can discover them in search results.Favour emphasizes that high-quality content is practically invisible if it hasn't been properly indexed.He also walks the audience through the technical steps of verifying a domain via Google Search Console and stresses the importance of owning your hosting and DNS records.Who is this for?This content is tailored for business owners, content creators, podcasters, and website managers who want to understand fundamental SEO concepts to increase their online visibility and website traffic.Key MomentsSegment 1: Introduction to page indexing and how it builds long-term business visibility.Segment 2: Step-by-step technical guide to setting up Google Search Console and submitting sitemaps.Segment 3: Understanding how accidental "no-index tags" can hide your website from the internet.Segment 4: How third-party platforms (like Apple Podcasts and Spotify) generate indexed links that boost your search presence.Segment 5: The "Library Analogy" explaining why indexing is simply digital storage.Segment 6: The importance of controlling your Domain Name Server (DNS) and hosting platforms.FAQsWhat is page indexing?It is the process where search engines discover, crawl, and store web pages into their database, making them searchable and eligible to appear in search results. Ultimately, indexing simply means "storage on the web".Why isn't my website showing up on Google?Your site might not be indexed. This can happen if you haven't submitted your sitemap to Google Search Console, or if your site has default "no-index tags" that actively tell Google to ignore your pages.Does podcasting help with indexing?Yes. When you publish a podcast episode to platforms like Apple, Spotify, or Amazon, each of those platforms creates a link that gets indexed by Google, multiplying your online footprint.What is a DNS and why does it matter?DNS stands for Domain Name System or Server. It connects your domain to your hosting platform. You must have access to your DNS records to verify your site ownership with Google and ensure you maintain full operational control over your business's online presence.Action Steps Recommended by Favour Obasi-ikeCheck your site status: Use a tool like nslookup.io to research your website's domain records.Set up Google Search Console: Go to Google Search Console and add your domain property.Verify your domain: Copy the provided TXT record and add it to your DNS records within your hosting platform to prove you own the site.Submit your sitemap: Once verified, submit your sitemap (e.g., yourwebsite.com/sitemap.xml) to Google Search Console to prompt Google to scan your pages.Audit your hosting setup: Ensure you have direct, personal access to your own domain name server and hosting plan to avoid losing control of your intellectual property.Ready to Rank? Book Your SEO & Web Dev Services Today

It's time for round two of questions and comments! This time Dr. Martin and Amy talk about boxiness after a breast lift, will hernia mesh interfere with a body lift, do you need a special diet before/after a facelift, whether 360 lipo is more painful then a tummy tuck, and much more. Watch this episode on YouTube: https://youtu.be/7fA-FXjvxE0 Comments, questions, clarifications? Leave a voicemail (303) 630-9038 or email Amy@JasonMartinMD.com. Follow Beauty and the Surgeon: YouTube: Jason Martin MD > Beauty and the Surgeon Podcast Playlist Instagram: @beautyandthesurgeonpodcast TikTok: @jasonmartinmd Facebook: facebook.com/beautyandthesurgeonpodcast Website: beautyandthesurgeonpodcast.com Verify your plastic surgeon is board-certified at https://www.plasticsurgery.org

Jeremy Keil explains how 5 smart moves could impact your ability to claim $180,000 or more as a couple in Social Security. If you’re about to file for Social Security, there's a real possibility you could be leaving a significant amount of money on the table. This isn't a small decision. For many retirees, Social Security ends up being one of the largest income sources they'll ever rely on. And unlike many other financial decisions, this one is mostly permanent. Once you file, there are very limited opportunities to undo it. That's why getting it right before you file matters so much. In this episode, I walk an article I recently wrote for Kiplinger magazine five key moves to help you make a more informed decision. Why This Decision Matters More Than You Think Many people think of Social Security as a simple choice: Pick an age. Pick a number. File when it feels right. But in reality, your Social Security decision can impact: Your lifetime income Your tax situation Your investment strategy And even your spouse's financial future Research completed by Larry Kotlikoff shows that the average couple can miss out on over $180,000 in lifetime Social Security income simply by choosing the wrong time to claim. And for higher earners, the total value of Social Security over a lifetime can reach into the seven figures. This is not a decision to make casually. Move #1: Verify Your Earnings Record Your Social Security benefit is based on your highest 35 years of earnings. If there are errors in your record—even just a couple of missing years—it can reduce your benefit for the rest of your life. That's why your first step should be logging into SSA.gov and reviewing your earnings history carefully. If something is missing or incorrect, it's your responsibility to correct it. Even small errors can create a permanent reduction in income. Move #2: Use the Retirement Calculator (Not Just the Statement) Your Social Security statement is helpful—but it's based on assumptions. Specifically, it assumes you'll continue earning income at your current level all the way until full retirement age. If you plan to retire earlier, those estimates can be significantly overstated. Instead, use the retirement calculator to input your actual plan. Adjust your future earnings based on when you expect to stop working. That will give you a much more accurate estimate of your benefit. Move #3: Know What You've Already Earned Many people don't realize how much of their Social Security benefit they've already built. By setting future earnings to zero in the calculator, you can estimate your “vested” benefit—what you would receive based only on your past work. This can be eye-opening. Some people discover they've already earned most of their benefit, and working additional years doesn't significantly increase it. Others realize they still have meaningful gaps that could impact their future income. Either way, this step helps you make decisions based on facts instead of assumptions. Move #4: Understand Your Longevity Your Social Security decision is essentially a timing decision based on how long you expect to live. Yet most people guess. Instead of guessing, take a few minutes to use a longevity calculator and understand your probabilities. If you're married, this becomes even more important. The key question isn't just how long you might live individually—but how long at least one of you is likely to live. That joint life expectancy plays a major role in determining the value of delaying benefits. Move #5: Solve the Right Problem This is where many people go wrong. They treat Social Security like an investment decision—focusing on break-even points or rate of return. But Social Security isn't an investment. It's insurance. Its purpose is to provide income in later years, support a surviving spouse, and protect against the risk of living longer than expected. When you shift your thinking from “How do I maximize returns?” to “What role does this play in my plan?” the decision becomes much clearer. The Bottom Line Social Security is one of the few decisions in retirement that is both highly impactful and largely irreversible. That combination makes preparation critical. Before you file, take the time to: Verify your data Use accurate projections Understand what you've already earned Consider your longevity And frame the decision correctly Because when you get Social Security right, it strengthens every other part of your retirement plan. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “Claiming Social Security Soon? 5 Smart Moves to Make Before You File” by Jeremy Keil, Kiplinger Magazine “How Much Lifetime Social Security Benefits Are Americans Leaving On the Table?” – Larry Kotlikoff, David Altig & Victor Yifan Ye Social Security Administration website LongevityIllustrator.org “Social Security and Work: How Much Can You Make in 2026?” – Mr. Retirement YouTube Channel “Can Americans Really Rely on Social Security? With Chris Orestis” – Retire Today Podcast Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Brians Questions: I am getting ready to build a mission style entertainment center.  This project will use what I'm told is arched pedestal legs which was used a lot by Gustav Stickley.  I will be gluing up three 5 3/4"x 28" quarter sawn white oak blanks to make the legs.  I will then route the curve using a compression bit and template which I made using the Shaper Origin. My question is what are some good methods to ensure there is a tight (almost invisible) line on the glue up of the blanks.  The legs are going to be a major feature on this piece and I would hate for the lines to be visible.  I've done glue ups for square legs before and have pretty good success although not perfect.  I know grain match is a big deal but wanted to pick your guys brains on clamping methods, glue type and anything else you can suggest to ensure success. Yours is the best podcast on the net. Tom Young I recently upgraded from a 9”  ryobi bench top bandsaw to a craftsman 10”   Floor standing. I'd like to build a mobile base for it. My question is, how tall should the table be? Should it be elbow high? Waste high? Higher ? Lower? For context, I'm mostly a hand tool guy and, although I have a dinky table saw, I don't use it much, favoring the bandsaw.  I'll do some light resawing and other more detailed work with it. Thanks guys and Guy. Love the show.Jason Guys Questions: I am working on a large kitchen cabinet project and have come across a few questions I thought would make good discussion. Project includes 16 base cabinets, 14 uppers, range hood and a couple of custom spice racks, open shelves etc. Upper will have 14" upper uppers stacked on them with glass fronts. Lowers are almost entirely drawers. Carcasses are about done heading into face frames and drawers. -Drawer box preferences or use cases for solid wood vs plywood with edge banding. I am leaning towards plywood due to number I need (38), being simpler to use prefinished ply then mill down rough cut. But it seems like cheating.....Large Pots and pans drawers 3/4" sides or 5/8" sides? -Drawer box construction when using overlay fronts. I do not have a dovetail jig. I may end up just pocket screwing them which is what I have done in the past but I wanted to add an upscale touch. I tried my domino with Sipo dominoes, pin nailed the box together first and then put two 5x30 dominoes in. To me the hole created was not that tight with the domino, didn't look nice. I see some YouTube experts make it seem easy, any experience or thoughts? Also thought of using drawer lock bit on the new to me shaper I just picked up but no experience yet. (Grizzly 3hp) Thoughts or preferences? Any other thoughts or recommendations when batching out large cabinet projects. Matt Hola Y'all, I have been listening to y'all for a little over a year, and woodworking for two years. Best Podcast on the interwebs! I was recently gifted a used Grizzly Go555 14" 1HP. I have never owned a Bandsaw and I want to use it mainly for resawing. I was told it is working fine, but I prefer to "Trust, but Verify". My questions are: 1. What tune-up/preventive maintenance should I do immediately? 2. What upgrades should I do for resawing hardwood? Thanks so much! Peace, Love, and Sawdust Norris Sebastian Grandad's Workshop Huy's Questions: Hey guys! I am a full-time journeyman carpenter and I work in the commercial sector around the Indianapolis area. Currently working at the new IU Health Hospital downtown. I've been doing carpentry professionally for nearly 9 years. Almost half of a year ago, I decided to purchase a 4x4 shapeoko 5 pro and got involved with learning about cnc. As friends and family found out about my new acquired skill, I've been asked to make various types of wood related projects-some requiring cnc and some that don't. I have a decent amount of handheld power tools and jobsite tools I've acquired through the years. Thankfully those tools have helped me in completing non-cnc related projects but my problem is the lack of woodworking tools and equipment at my disposal. Many times I've turned down projects due to not having the right tools. Other times I've taken extra steps to complete tasks, but had I just had the right tool, it could've been a breeze. I want to have a nice wood shop in my barn eventually but not sure how to prioritize my wants and needs. Considering trading the cnc to instantly increase my wood shop tool budget and maybe revisiting it in the future. With a focus on increasing my wood working tools and building up my shop—What are some upgrades/ tool trades/ must-have-tools to kickstart my wood shop? What tools should I get rid of? Tools at my current disposal/ 4x4 shapeoko 5 pro, a dw 8-1/4” table saw, dw 735 planer, dw 10” miter saw, Bosch random orbital sander, metabo belt sander , ridgid oscillating spindle sander, central machine drill press, various dw drills/ impacts/ saw zalls/ oscillator/ hammer drill/ jig saw/ circular saw etc. Tools that could've made my life easier in the past- a jointer, band saw, track saw, drum sander, router table, etc Thanks, Holden P.s. My dad and I carpool together during the work week and love listening to the podcast-we especially have come fond of Guy's no bs, straightforward attitude. Keep up the good work! Korey from Independence, KY again. I was thinking about getting radial arm saw to use exclusively for dados. I have never seen a radial arm saw in person. They can be found very cheaply on Facebook marketplace and space in not an issue for me. Do you think it would be worth it and can you use it to cut dados safely. What are some other good uses for a radial arm saw. Thank you and keep up the good work. Korey

Pope Leo XIV's first Easter message, where he called for global peace amidst conflicts like the Russia-Ukraine war and the US-Israeli war on Iran. The "messy" irony lies in the transition from a solemn papal address on world "ravaged by wars" to the interpersonal "messiness" and psychological pathology discussed in the following segments.   Guarding the Reservoir: Physical & Emotional Rebalancing 1. The Professional Martyr: Recognizing the Bait Decoding Passive-Aggression: Analyzing the "I'd love to just come float" comment. Recognizing it as a "loaded" statement meant to trigger guilt about your success, your pool, and your upcoming retirement. The Approval Trap: Acknowledging that they don't approve of your expenditures (pool resurfacing/safety) and why you no longer need their "stamp of approval" on your financial freedom. Protecting Your Space: Understanding that their inability to relax is her burden, not a flaw in your hospitality. You aren't "pulling her in" anymore; the pool is closed, and so is the door to her drama. 2. Healing from Past Emotional "Inflammation." The DC & Birthday Lessons: Reflecting on past vacations and birthdays ruined by a professional martyr The "Emergency" Pattern: The martyr's lack of planning or refusal to make hard choices became your emergency. Breaking the Cycle: Declaring that early retirement and your "new" life will not be a staging ground for their crisis-management. 3. The Physical Toll: Menopause & The Electrolyte Crash The Hormone Shift: Discussing the transition off HRT and the reality of "Black Girl Vitamins"—they help, but the body's chemistry is still in flux. The Sweetwater Incident: A deep dive into the "Full Body Crash." The danger of severe night sweats leading to "free water" loss and electrolyte depletion. The symptoms: Weakness in hands, knee pain, and full-body aches that feel like a setback in the anti-inflammatory journey. The Rebalancing Window: Acknowledging that it took 24+ hours to recover, highlighting how much more fragile our baseline is during hormonal shifts. 4. Lessons for the "Solo RV" Life Logistics vs. Physical Ability: The difficulty of managing hookups and setup when your body is depleted. The New "Pre-Flight" Checklist: * Prioritizing hydration protocols (Liquid IV, electrolyte powders) before the sweat starts. The necessity of organization: An unorganized RV + a depleted body = a dangerous combination. Planning for Weakness: Admitting that "muscle-ing through" isn't a strategy anymore; planning for physical conservation is. 5. Closing Thought: The Anti-Inflammatory Mindset Internal & External Peace: You can't heal systemic inflammation if you are constantly triggered by family or physically dehydrated. The Goal: A resurfaced pool deck, a safe home, a retirement free of guilt, and a body that is properly fueled for the road ahead. Harrison Bay Mantra: "My peace is non-negotiable, my signal is low, and my hydration is high." Protecting from mental depletion and financial Depletion, the scams of life: Just like you are setting boundaries with your sister by turning off your Wi-Fi calling at Harrison Bay, your listeners need to set "Financial Boundaries." Rule #1: No federal agent will ever come to your house for a "cash pickup." Rule #2: If they tell you to lie to your bank teller, they are 100% a criminal. I'm heading to Harrison Bay to get away from the noise, but the 'noise' isn't just family drama—it's these high-tech predators. Whether it's a martyr sister trying to steal your joy or a scammer trying to steal your retirement, the solution is the same: Disconnect. Verify. Protect your peace." Authenticity vs. Scripting...#RHORI-Beware of the coming hurricane...RHOBH Take  Links to recap from Patreon for Monte-Carlo, Monica Garcia and Carlos King:        Episodes 1, 2, 3 https://www.patreon.com/posts/154944453?utm_campaign=postshare_fan       Episode 3 https://www.patreon.com/posts/155539032?utm_campaign=postshare_fan Refusing the Script: "Gamer Recognized Game" also applies to Boz's refusal to "play dumb" for a storyline. She is depicted as someone who sees the "smoke and mirrors" of reality TV wealth and calls it out, such as auditing the legitimacy of "manifestation" businesses. The Exit Strategy: Because she recognizes the "game" has a shelf life for women of color (often lasting only three seasons), she is Check out my music on Spotify and Apple or wherever you listen to music! The official videos are on YouTube. Stream and stream often! Navigate to https://linktr.ee/tnfroisreading to check out all coffee and book options. Seasonal Affective Disorder Is Treatable and all of us should be about fixing our mental health always.... If you are searching for help and direction in your struggles with depression and addiction Call 1-800-273-8255 Available 24 hours everyday   There is also an online chat feature https://suicidepreventionlifeline.org/chat/   And if Vodka is the problem, call  1-800-662-HELP (4357) for 24/7 help.