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'Three Pistols' as an opener. Nobody in the Saddledome saw that coming, least of all the guy who'd spent the whole week camping.Episode summaryAugust 1st, 2016. The Scotiabank Saddledome. The Tragically Hip are working eastward, homebound to Kingston, and the Man Machine Poem Tour rolls into Calgary for the first of two nights. Ten years on, three people who were in that building sit down and tell jD what it actually felt like.Spencer from Calgary was at both Calgary shows, and two days before this one he woke up from an afternoon nap, found face-value seats for Edmonton five hours before downbeat, and drove up the highway without packing a bag. Paul from Lethbridge talked himself out of the on-sale entirely, spent a fortnight regretting it, then bought behind-the-stage seats on the secondary market and has never regretted that. Steve from Toronto is a cancer survivor. He brought his fiancee to her first proper Hip show and found two old friends sitting directly in front of him.They talk about the email nobody was ready for. They talk about decoding the album blocks in real time, and about 'World Container' surfacing for the first time since 2009 with Gord Downie working the teleprompter and grinning through a fumble. They talk about a concourse so packed you could not move, a merch line that looked like a family reunion, and a version of 'Grace, Too' that Spencer says he will never shake.Nobody here is claiming to be the expert. They were just in the room. This is the Calgary night, told back by the people who lived it.Key takeaways• Steve from Toronto is a cancer survivor, so the diagnosis email landed on him twice over. Once as a fan, once as somebody who already knew the vocabulary.• Spencer from Calgary got Edmonton tickets at face value five hours before showtime, drove up with no bag packed, sat down with a hot dog and a beer, and the band walked out thirty seconds later.• Paul from Lethbridge and his buddy Nick skipped the on-sale, realized their error about a fortnight later, and bought in behind the stage. Hundreds of shows between them and this one still tops the list.• 'The Kids Don't Get It' was a tour debut that night, and 'World Container' had not been played live since 2009 (source: setlist.fm). Paul clocked the second one in the moment.• All three describe the same night from three different seats, and none of them describe a party. The word Paul reaches for is communal. He lands on an upbeat church service.Quotes“It was like this is happening to my friend Gord, which is a weird feeling to feel about someone that you've never known.”Paul from Lethbridge [MM:SS]“I used to complain that they didn't mix things up enough. I would do anything right now to get the most basic paint by numbers Tragically Hip set list if it meant being able to see that band one more time.”Steve from Toronto [MM:SS]Guest information• Spencer from Calgary - both Calgary nights plus an unplanned Edmonton run. Took his sister and his brother. Still the only concert the three of them have been to together.• Paul from Lethbridge - bought late, behind the stage, no regrets. Went with Nick, his concert guy. 'World Container' is a top-five song for him and he had never heard it live.• Steve from Toronto - cancer survivor. Five shows on the tour, Kingston included. Calgary was his now-wife's first proper Hip show.Resources, links and references• setlist.fm - the full Calgary, August 1 2016 setlist, including the 'The Kids Don't Get It' tour debut and the 'World Container' return. [hyperlink: setlist.fm Calgary Aug 1 2016]• Hipbase - primary source for The Tragically Hip setlists and discography, cross-referenced against setlist.fm for this episode. [hyperlink: Hipbase]• Long Time Running (2017) - the tour documentary both Paul and Steve credit with showing them how close the whole thing came to not happening. [hyperlink: Long Time Running]• The Ride to Conquer Cancer, benefiting The Princess Margaret Cancer Foundation - Steve rides with a team called The Tragically Clipped, a name that predates Gord's diagnosis. [hyperlink] [VERIFY with Steve: team spelling, ride count, and the total raised]• GEDfest Toronto 2026, with Campfire Circle as cause partner - mentioned on mic. Details pending, see note under Upcoming events. [hyperlink pending]• Hipstories - Jake Gold - the earlier Hipstories conversations, from the archive. [hyperlink]• Hipstories - Paul Langlois - the guitarist on the band's own terms. [hyperlink]• Hipstories - Alan Cross - the wider Canadian music context. [hyperlink]Calls to actionLeave yer Hipstory. This series is built out of them, and there are eleven more nights of that tour still to stitch back together. If you were there, or if you watched it from a couch and ugly-cried into a pillow, that counts too. [hyperlink: Leave yer Hipstory - reflections.tthpods.com]Come sit in the rec room. The Facebook community is where these conversations keep going after the episode ends. [hyperlink: Join the community - community.tthpods.com]Buy jD a coffeeEditing is hard. Help keep the battery charged and buy jD a coffee. Tips only, no guilt. [hyperlink: Buy jD a coffee - buymeacoffee.com/tthtop40]Closing paragraphSpencer, thank you for the Edmonton story, which is the single best piece of dumb luck anyone has brought to this series so far. Paul, thank you for 'World Container' and for the phrase upbeat church service, which is the closest anybody has come to naming what those rooms felt like. Steve, thank you for Jay. Spending the last two hours of a friendship at a Hip show is not nothing, and neither is saying so out loud.jD spent most of that summer in a psychiatric hospital and missed the tour entirely, which is a fair part of why this show exists at all. Ten years later the record gets built out of other people's memories. So there's that.Come back in two days for Calgary, August 3 2016. Same building, different night.Socials and community• Facebook: [hyperlink: The community group - community.tthpods.com]Support this podcast at — https://redcircle.com/tthtop40/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

We have more great questions and comments from our listeners! In this episode Dr. Martin and Amy talk about methods for increasing areola size, swelling and numbness after a tummy tuck, weather yellow light therapy is effective, what's better chin implant or genioplasty, and much more? Keep leaving comments and don't forget you can text us and leave voicemails at 303-630-9038. Body pillow system: https://a.co/d/001j1Xxr Amazon Storefront: https://amzn.to/4gTTCIU Watch this episode on YouTube: https://youtu.be/RRq1Bw2IGXg  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

Over 500 published papers stand behind one of the internet's most popular peptides, but fewer than 30 of the humans studied are in them. Dr. Gabrielle Lyon separates the molecule from the marketplace so you can tell real evidence from good marketing.In this solo episode, Dr. Gabrielle Lyon discusses:Why BPC-157's "mountain of evidence" collapses to a 99.7% animal-to-human ratio - 544 papers, but fewer than 30 humans across three uncontrolled pilot trialsHow to place any peptide on the spectrum from FDA-approved (GLP-1s like semaglutide) to investigational to compounded, and why "GLP-1s work, so peptides work" is a trapWhat the FDA quietly did in April 2026, and why removing a dozen peptides from its safety-concern list was driven by policy pressure, not new safety dataThe 4 questions to run on any peptide before you inject level of evidence, what the study measured, where it's sourced from, and whether it's banned in tested sportWhy the "boring work", resistance training, protein-anchored nutrition, and real recovery beat almost anything in a vialIf something is going into your body through a needle, the standard has to be higher than three words on a label that say "research use only." This episode gives you the framework to protect yourself before spending a dollar or taking a shot.Thank you to our sponsors:Head to https://bit.ly/4ftfObn and use code DRLYON for 25% off sitewide. That is K-E-T-T-L-E and Fire dot com slash DRLYON, code DRLYON for 25% off. Also available at select Sprouts, Whole Foods, and Kroger locations nationwide.BodyHealth - Use the code LYON20 to get 20% off your first order https://bit.ly/4vZs75j OneSkin - Get 15% off at https://bit.ly/44XXQYy with code DRLYONExplore More from Dr. Gabrielle LyonPremium Podcast Subscription: Ad-free episodes, key takeaway summaries, exclusive Q&A, and behind-the-scenes content https://foreverstrong.supercast.comWeekly newsletter: Recipes, podcast updates, and practical weekly insights https://drgabriellelyon.com/sign-up/Apply to become a patient: Personalized care with Dr. Lyon's clinical team https://drgabriellelyon.com/new-patient-inquiry/Connect with Dr. Gabrielle Lyon:Instagram: https://www.instagram.com/drgabriellelyon/TikTok: https://www.tiktok.com/@drgabriellelyon X (Twitter): https://x.com/drgabriellelyonFacebook: https://www.facebook.com/doctorgabriellelyon Chapters00:00 - Introduction01:30 - What a peptide is03:40 - The first mistake: treating peptides as one category05:50 - GLP-1s and the "peptides work" fallacy09:30 - FDA-approved peptides: tesamorelin and s15:40 - Repair peptides: BPC-157 and the Wolverine stack16:30 - 544 studies, 30 humans: the evidence gap20:00 - The strongest case for peptides25:30 - The strongest case against peptides29:00 - Compounded peptides and contamination risk30:00 - What the FDA quietly did in April 202633:40 - The 4 questions to ask before any peptide37:40 - The boring work that changes your life If you found this episode valuable, share it with someone who would benefit from it.Disclaimers: This episode includes paid sponsorships. The Dr. Gabrielle Lyon Podcast and YouTube are for general information purposes only and do not constitute the practice of medicine, nursing, or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast, YouTube, or materials linked from this podcast or YouTube is at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Users should not disregard or delay in obtaining medical advice for any medical condition they may have and should seek the assistance of their health care professional for any such conditions.

President and CEO of the Better Business Bureau Steve Bernas joins Bob Sirott to talk about the importance of verifying contractors before working with them, Lollapalooza ticket scams, and how to help prevent the stealing of license plate stickers. He also shares details about a BBB poll looking at companies and their employees, as well as how scammers […]

A bi-weekly news show informing you on the latest in Bitcoin, privacy and open source tech hosted by Ungovernables, Max and Q. AOBFreedom.Tech launch reminderKeyOS v1.3 now publicly availableNEWSIndia orders GitHub to take down BitChat's source code; Internet Freedom Foundation calls it unconstitutional - TFTC: India BitChat GitHub takedown, I4C, IFF / CoinDeskFourth Circuit says border agents can hand-search your phone with zero suspicion, as a man is prosecuted for a duress-wipe - EFF: Fourth Circuit says border agents can search your phone by hand, no suspicion required / TechCrunch: US accuses American of wiping his phone with a duress password at the borderSenate Democrats kill the CLARITY Act before recess; the developer safe harbor (Section 604) stalls with it - TFTC: CLARITY Act rejected, Bitcoin ownership surpasses goldState Department launches a "Freedom Tech" program with BPI, Palantir, and Anduril as founding partners - Bitcoin Magazine: State Department tech program with BitcoinBlock open-sources Buzz: a Nostr-native, keypair-identity workspace for humans and AI agents - LINKBIP-110 approaches its mandatory signaling window with support under 1%, and enforcing nodes staring at a minority fork - TFTC: BIP-110 enters mandatory signaling window below 1% hashrateRELEASESBitcoin core / protocolbtcd v0.26.2 - 2026-07-25Security-hardening for the Go full node: stricter PSBT/input parsing, Schnorr and WIF validation, rejection of malformed bech32, tighter inbound admission.Hardware / signingKeystone 3 v3.0.0 - 2026-07-21Major firmware across all variants of the airgapped open-source signer: reworked passcode/recovery flow, stronger validation, upgraded security policies. Reproducible with published checksums.Trezor Suite v26.7.2 - 2026-07-22Firmware security updates plus a lower 0.2 sat/vB minimum fee and cancel-pending-transaction support.Nunchuk 2.7.1 - 2026-07-16Collaborative-custody multisig wallet. 2.7.0 (07-15) added self-custodial USDT on Liquid and Trezor Bluetooth support; 2.7.1 is bug fixes on top. On-lens for multisig self-custody.Bitkey App 2026.11.0 - 2026-07-14Block's consumer hardware wallet. Release highlights its Emergency Access (recovery/inheritance) path; full notes hosted off-repo at bitkey.world/releases.LightningCore Lightning v26.06.6 - 2026-07-22Patch release (26.06.3-5 pulled over broken PyPI publishing). Now rejects channels reusing an existing funding outpoint, closing a channel-security edge case.LNDg v1.11.0 - 2026-07-26Self-hosted LND dashboard: peer-offline reporting, auto re-index on data migration, historic failed-HTLC data via API. Update logging config on upgrade.Zeus v13.1.3 - 2026-07-21Point release / version bump on the 13.1 line for the self-custodial Lightning wallet.LNbits v1.5.6 - 2026-07-15Minor patch on 1.5.5 (payments extension-field refactor and fixes) for the self-hosted Lightning accounts system.Lightning Labs Wavelength - 2026-07-21A toolkit for adding self-custodial bitcoin (and stablecoin) payments to any application, designed to create the best developer experience for humans and agents.EcashCashu TS v5.0.0-rc.5 - 2026-07-23RC for the major v5 of the reference TS Cashu library: NUT-18 payment requests (PaymentRequestBuilder), mint-preference support, hardened P2PK validation, integer fee math. Foundational for ecash wallets.Nutshell 0.20.3 - 2026-07-22Reference mint/wallet: Pay-to-Blinded-Key (lock ecash to a receiver without revealing their pubkey to the mint), a Spark L2 backend, and a false-UNPAID melt-race fix. DB migration, back up first.Fedimint v0.12.0-beta.0 - 2026-07-23Beta pre-release of the federated ecash / community-custody protocol. Flagged unstable, no upgrade guarantee. "In the pipeline," not production. (Admin UI: Fedimint UI v0.7.4, adds arm64 image.)On-chain privacy / coinjoinWasabi Wallet v2.8.1 - 2026-07-22Now receives to Taproot addresses by default (a real "state of the network" adoption nudge, four-plus years post-activation), adds Linux AppImage, on top of 2.8.0's serverless P2P filter sync.Ashigaru Desktop v1.1.2 - 2026-07-25Whirlpool coinjoin QoL: live Tor/Electrum status, one-click connect, faster startup, self-clearing coordinator banner.JoinMarket-NG 0.34.2 - 2026-07-20Actively-maintained modern fork of JoinMarket: safe expired-fidelity-bond handling, correct frozen-UTXO reporting, multi-wallet RPC routing.Bitcoin Safe 2.1.1 - 2026-07-20Multisig/single-sig desktop wallet: UI fixes and improved Debian build reproducibility.P2P / no-KYCBisq 1.10.4 - 2026-07-24Mandatory security update for the decentralized no-KYC exchange (audit findings): signed DAO block providers, stricter blind-vote/dispute validation, re-enabled BSQ swaps. Required to keep trading.Bull Bitcoin 6.12.4 - 2026-07-24Bug-fix for the no-account self-custodial app (iOS startup-lockup fix). The feature release was 6.12.2 (UTXO/coin-control, Coldcard NFC, BitBox02 Nova BLE, sub-1 sat/vB).Vexl v1.45.1 - 2026-07-21Point release of the contacts-based no-KYC P2P trading app (small fixes).Peach Bitcoin 0.69.0 (381) - 2026-07-23Latest build of the no-KYC P2P Bitcoin marketplace (rolling 0.69.0 build increments 379/380/381 across the fortnight). Verify the build-tag slug before publishing (parentheses in the tag).Self-hosting / infraBTCPay Server v2.4.1 - 2026-07-23Self-hosted no-KYC payment processor: BIP-329 label import, editable invoice comments, refund-email triggers, RTL UI, restored Boltcard payments.Start9 StartOS v0.4.0 - 2026-07-24Major: a complete ground-up rewrite of StartOS, out of public beta after six years, billed as the "correct architecture for sovereign computing." Note: the only upgrade path is a fresh install (no in-place migration). One of the biggest self-hosting stories of the fortnight.Liquid GDK release_0.77.7 - 2026-07-20Blockstream's wallet SDK: libwally + Tor bumps, macOS/iOS cross-compile, single-sig gap-limit fee fix.Privacy stack / PayjoinPayjoin Dev Kit payjoin-cli 1.0.0-rc.1 - 2026-07-23RC for the reference Payjoin CLI, synced to payjoin 1.0.0-rc.6. Signals the v1.0 Payjoin stack nearing release (breaks common-input-ownership heuristics on-chain).NostrAmber v6.3.0 - 2026-07-20Android Nostr remote signer (keeps your nsec off client apps): grouped/collapsible multi-request approvals, a log-disabling privacy mode, built-in Tor, NIP-65 relay prefetch.Wallets (self-custody)BlueWallet 8.0.1 - 2026-07-21Major v8 line: iOS 26 UI refresh, BC-UR v2 airgap scanning (OneKey/Keystone), Unchained multisig cosigner import, 19 new languages, crypto-js replaced with @noble. Broad user base. Confirm the exact tag slug before publishing.Cake Wallet 6.3.2 - 2026-07-24Non-custodial BTC/Monero wallet: home-screen recent history, better OpenAlias/ENS/Unstoppable alias resolution, faster Zcash sync.EDUCATIONWhat Is a UTXO, and Why Does It Matter for Bitcoin Privacy? - 2026-07-25Community explainer thread on Stacker News. The useful part is the top response, which walks through how receive-and-spend patterns fingerprint you and where coinjoin actually helps. Good raw material for a plain-English UTXO segment, which pairs with the Wasabi and Ashigaru releases and gives newer listeners the vocabulary before the coinjoin talk.Bitcoin Optech Newsletter #415 - 2026-07-24Two items worth surfacing. Fabian Jahr's draft BIP459 proposes full aggregation of BIP340 schnorr signatures using DahLIAS, combining multiple signatures into a single 64-byte aggregate, with cross-input signature aggregation as a downstream possibility. And libsecp256k1 #1765 adds an optional BIP352 silent-payments module supporting receiver scanning from only the scan secret and spend pubkey, so the spend private key stays offline. Silent payments quietly becoming infrastructure is a good recurring beat.TO DONATE TO ROMAN'S DEFENSE FUND: https://freeromanstorm.com/donateHELP GET SAMOURAI A PARDONSIGN THE PETITION ----> https://www.change.org/p/stand-up-for-freedom-pardon-the-innocent-coders-jailed-for-building-privacy-tools DONATE TO THE FAMILIES ----> https://www.givesendgo.com/billandkeonneSUPPORT ON SOCIAL MEDIA ---> https://billandkeonne.org/VALUE FOR VALUEThanks for listening you Ungovernable Misfits, we appreciate your continued support and hope you enjoy the shows.You can support this episode using your time, talent or treasure.TIME:- create fountain clips for the show- create a meetup- help boost the signal on social mediaTALENT:- create ungovernable misfit inspired art, animation or music- design or implement some software that can make the podcast better- use whatever talents you have to make a contribution to the show!TREASURE:- BOOST IT OR STREAM SATS on the Podcasting 2.0 apps @ https://podcastapps.com- DONATE via Monero @

https://jo.my/fuzawhTrailer Inspection and Dock SafetyA trailer can look solid from the dock and still hide a serious failure underneath. One weak floorboard, damaged support, or missed restraint can turn a normal loading task into a collapse.That's why trailer inspection is more than a glance. It protects drivers, forklift operators, dock workers, equipment, and every person nearby. Be sure to slow the job down long enough to spot danger before the trailer moves, drops, shifts, or fails.Here are a few tips to assist you with trailer inspection and safety:Check the trailer floor before entry. Look for cracks, sagging boards, water damage, holes, loose panels, and signs of rot. Watch for soft spots near the rear doors and along forklift travel paths. If the floor flexes, feels weak, or looks damaged, stop. Keep people and equipment out until the trailer is cleared.Inspect the trailer structure. Check the walls, roof, frame, landing gear, and rear impact guard. Look for bent metal, broken welds, major rust, or damage from a previous impact. A trailer may hold its shape while empty but fail under a loaded forklift.Control nose-diving. A trailer can tip forward when too much weight moves into the nose without proper support. Confirm the tractor is connected or approved trailer stands are in place. Load weight evenly and follow the facility's loading plan.Prevent tip-over and trailer movement. Verify the trailer is level, stable, and properly positioned at the dock. Check the dock plate or leveler before use. Never assume the trailer will stay still because it looks secure.Use wheel chocks with automatic restraints. Automatic restraints can fail, miss the rear impact guard, or be released by mistake. Wheel chocks add another layer of protection. Confirm they are placed correctly before loading begins.As always, these are potential tips. Please be sure to follow the rules and regulations of your specific facility.Trailer failures rarely give a polite warning. They happen fast. Loud. Violent. Preventable.The safest crews don't trust appearances. They verify the floor. They verify the structure. They verify the restraint. Then they verify it again before the first forklift crosses the dock plate.That extra minute can prevent a crushed worker, a dropped forklift, a damaged load, or a trailer on its nose. Build the habit now. Make inspection part of every trailer, every dock, every shift.Thank you for being part of another episode of Warehouse Safety Tips. Until we meet next time - have a great week, and STAY SAFE!#Safety #SafetyCulture #StaySafe #SafetyFirst #SafetyTips #StayAlert #SafetyAwareness #FacilitySafety #DockSafety #TrailerInspection #ForkliftSafety #LoadingDockSafety

The American Democracy Minute Radio News Report & Podcast for July 29, 2026Largely Blocked by Lower Courts, Administration Asks SCOTUS to Allow Executive Order Directing USPS to Verify Citizenship of Mail-In VotersThe lower courts have largely blocked President Trump's March executive order on elections as violations of the Constitution's Elections Clause. July 27th, his administration asked the more friendly U.S. Supreme Court to weigh in on an appeals court decision blocking the U.S. Postal Service from verifying citizenship for mail-in voters. Some podcasting platforms strip out our links.  To read our resources and see the whole script of today's report, please go to our website at https://AmericanDemocracyMinute.orgToday's LinksArticles & Resources:The White House – ENSURING CITIZENSHIP VERIFICATION AND INTEGRITY IN FEDERAL ELECTIONSU.S. District Court for Massachusetts (via Court Listener) – Ruling in California v. TrumpUnited States Court of Appeals For the First Circuit - Order in California v. TrumpU.S. Supreme Court - APPLICATION FOR A STAY OF THE INJUNCTION ISSUED BY THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MASSACHUSETTS AND REQUEST FOR ADMINISTRATIVE STAY Brennan Center for Justice - Analyzing the President's Executive Order on Mail Voting Related ADM Reports:American Democracy Minute - (June)  Federal Court Blocks Trump Administration from Implementing Key Parts of Executive Order on Elections as Unconstitutional OverreachAmerican Democracy Minute - (April) Trump Executive Order on Mail-In Voting Spurs 5 Lawsuits from States, Pro-Democracy Groups, Civil Rights Groups and the Democratic PartyRegister or Check Your Voter Registration:U.S. Election Assistance Commission – Register And Vote in Your StateFind all of our reports at AmericanDemocracyMinute.orgSubscribe for FREE at Apple Podcasts, Spotify and most podcasting platforms.#Democracy  #DemocracyNews #ExecutiveOrders #VoterSuppression #MailInVoting  #USPS #NoncitizenVoting

Send us Fan MailWhat separates a professional pool service company from someone simply adding chemicals?In Part 2 of this special Mondays Down Under discussion, Lee Salisbury and Nick dive deeper into professional water analysis with the team from LaMotte, discussing why consistent, accurate testing is one of the biggest differences between average pool care and true water management.The conversation explores the value of the WaterLink® Spin system, reducing user error, interpreting test results correctly, common mistakes professionals make after shocking a pool, and why understanding chemistry matters far more than simply reading numbers off a report.Whether you're running a retail store, servicing residential pools, or maintaining commercial aquatic facilities, this episode is packed with practical advice that can improve both your water quality and your bottom line.In This Episode Why experience matters just as much as chemistry knowledge  Learning to interpret water test results—not just read them  Why every unusual water test should make you ask more questions  How customer conversations often solve water chemistry mysteries  When to consult technical support or laboratory analysis  Why professional testing equipment pays for itself  Reducing user error with automated water testing  The business case for investing in better testing equipment  Saving time while improving customer service  Comparing photometric testing to traditional reagent testing  Why complete water analysis is more valuable than testing only chlorine and pH  Protecting pools through proper water balance  "It's easier to keep it clean than bring it back from green." Technical Topics Covered WaterLink Spin technology  Photometric water testing  Traditional liquid reagent testing  Test repeatability and consistency  Eliminating sample contamination  Proper sample volume  Test accuracy versus operator technique  Water balance fundamentals  Customer communication during water analysis  Laboratory troubleshooting  Commercial pool testing  Residential pool testing Common Testing Mistakes Discussed Misinterpreting zero alkalinity after shocking a pool  Understanding the effects of chlorine above 15 ppm  Why high chlorine can produce misleading alkalinity readings  Using high-range chlorine test strips for confirmation  Running additional tests on the same high-chlorine sample  Recognizing when the instrument is giving you an indicator—not a bad result Best Practices Use professional-grade testing equipment  Perform complete water analysis whenever possible  Verify unusually high chlorine levels before making chemical adjustments  Store Spin Discs properly  Reseal foil packaging after every use  Protect discs from moisture and light  Understand shelf life after opening  Train technicians to recognize abnormal test patterns  Build testing costs into your professional service Commercial Aquatic Facility DiscussionThe episode also covers: Daily health department testing requirements  Three-test commercial Spin Discs  Testing multiple water bodies  Managing public pool safety  Protecting swimmers through accurate testing  Creating efficient testing workflows for aquatic facilities Key TakeawaysProfessional water testing isn't about owning expensive equipment—it's about making better decisions.Accurate testing saves time, improves customer confidence, reduces costly mistakes, and helps protect both swimming pools and the people using them. Understanding what your test results are actually telling you is every bit as important as obtaining the numbers themselves.Featured Guests Lee Salisbury  Nick (Mondays Down Under)  Hiren Patel – LaMotte Company Connect with Talking Pools

The main event: Mike Nicoll, director of Bitcoin Season, on going from USC Film School and Netflix's At All Costs to documenting the first Bitcoin-only deals with an NBA franchise and Klutch Sports — "come for the sexy basketball world, stay for the financial revolution." 100,000 views in the first week, free on YouTube, and Swan will buy the pizza and beer for your watch party. King closes with a credit-desk teardown of Strategy's STRC: why coupon-divided-by-price is the wrong math, what an 85 price actually implies, and why the Bitcoin price — not the coupon — is what brings Stretch back to par. Cory adds the house view: these are institutional products; keep 80%+ of your exposure in real on-chain Bitcoin you control. Homework: Vijay Boyapati's The Bullish Case for Bitcoin and Stephan Livera episode 71. And Dom's legendary full-gear, no-warm-up swish gets the retelling it deserves.

Learn what separates top Silicon Valley commercial painting contractors from the rest. We unpack licensing, warranties, premium materials, environmental certifications, and the long-term ROI of quality workmanship. Essential insights for property managers and facility owners. Learn more at https://paintingpros.com/commercial-painting/ The Painting Pros City: Los Gatos Address: 14960 Los Gatos Blvd. Website: https://paintingpros.com/

Would you approve a franchise tenant without knowing if they actually have enough cash to open their business?In Episode 95 of I Own A Shopping Center Now What, Beth Azor explains why reviewing a franchisee's financials is one of the most important responsibilities a shopping center owner has before signing a lease. Too often, landlords rely on the franchisor's approval process or simply collect financial statements without ever analyzing whether the tenant has the resources to successfully complete the build-out and operate the business.Beth shares real leasing situations where franchisees delayed providing financials, depended heavily on loans, or appeared financially strong on paper while lacking the cash needed to execute their commitments. She explains why cash liquidity matters more than inflated net worth, how to protect yourself with personal guarantees, letters of credit, and security deposits, and why landlords—not brokers or franchisors—must ultimately make the final financial decision.

✍️ How to Change Beneficiaries on Retirement Accounts After Divorce | Los Angeles Divorce

In this episode, Michelle and Malika discuss why every dental practice owner needs to understand the business side of their practice—not just the clinical side. They explain the importance of staying involved in daily operations, maintaining financial oversight, and ensuring key systems are in place to protect the practice. Through real-world examples, they highlight how unexpected staff changes and a lack of operational visibility can leave owners vulnerable to costly mistakes and missed opportunities. Michelle and Malika also share practical strategies that practice owners can implement right away, including reviewing daily deposit reports, auditing patient accounts, reconciling financial transactions, and monitoring insurance payments and adjustments. By developing consistent oversight habits and understanding the numbers behind the practice, owners can strengthen accountability, safeguard their assets, and build a more profitable, resilient business.

World Political Exposure (audio) Compiled Tues. 21 July 2026 12:01 am EST by Judy Byington https://operationdisclosureofficial.com/2026/07/21/restored-republic-via-a-gcr-as-of-july-21-2026/ The Deep State Has Been Stealing Elections Around The World For 20 Years Med Beds Have Been Produced And Running Since The 1970s Musk Is Building A Home Med Bed For Public Use Healthcare run by Big Pharma will never cure disease. A nation run by the media will never know the truth. A country run by banks will always be in debt. A state run by war will never know peace. …Julian Assange on Telegram Gethsemane | The Tabernacle Choir at Temple Square & a Children's Choir “You are a treasure, created with purpose and love by God. Every day is a new chance to shine your light in the world.” Judy Note: On Tues. 21 July 2026 the Quantum Financial System will be unveiled in a worldwide broadcast that securely transmitted via the Quantum Communication Network. The fundamentals of this system, as well as the concrete actions that any citizen can take to start utilizing it, will be revealed.   The enemy has full infiltration of your home, and not a single shot was fired. Billions have been invested in the slow poisoning of humanity. They do not want you waking up. They want you a slave to the system forever. The enemy's biggest weapon was distraction. While everyone was arguing: • Technology became more powerful. • Privacy became optional. • Debt became normal. • Convenience replaced freedom. • Information became harder to verify. • Algorithms began deciding what billions of people see. • Fear became profitable. • Outrage became a business model. • Independent thinking became increasingly rare. • The loudest voices drowned out the most important questions. The strongest prison is built when people stop asking questions, stop verifying information, and accept every narrative without thinking for themselves. Stay curious. Question everything. Verify everything. Think for yourself. What we thought we knew, but didn't really know and now are supposed to know but don't have a clue. With clones, doubles, made up movies Hollywood style and Trump's Military Alliance throwing more popcorn at us, it gets sooo confusing: Mon. 20 July 2026 US Secretary of State Marco Rubio Fox News: “I designated two additional Mexican cartels, the Juárez Cartel and Los Viagras, as Foreign Terrorist Organizations and Specially Designated Global Terrorists. Under President Trump's leadership, we will never stop fighting against violent narco-terrorists from flooding our nation with deadly drugs.” Mon. 20 July 2026 After years of being lied to and gaslit by the mainstream media, voting companies, and crooked politicians, voting systems were always connected to the internet and NOT air-gapped, with IP addresses confirming foreign servers were sending and receiving data to these machines during the 2020 election. Not only did the machines have internet access, they were bought and came standard with foreign made 3G/4G modems already installed in the machines, with remote wireless backdoor access to manipulate the vote count in real time. …Dan Bongino on Telegram Jessie Czebotar claims she witnessed Hillary Clinton, George Bush, Dick Cheney, Joe Biden and others at S-----c Rituals and child hunting parties run by the Rothschilds.   The entire “fossil fuel” scam was invented by the Rockefellers and the Smithsonian in the late 1800s to create artificial scarcity and jack up prices to insane levels. Oil is abiotic. It is a liquid mineral cooked deep in the Earth's mantle under crushing pressure and scorching heat. If people knew oil is basically tap water for the planet, endlessly generated from below, the entire parasitic geopolitics of wars, sanctions, and price manipulation would evaporate overnight. 75 entry-level driving schools are now under investigation for FRAUD. 24,000 drivers who can't speak English were already taken off the roads — and 4 states had to cancel 28,000 licenses issued ILLEGALLY. 9,500 schools have already been CANCELED from the federal registry. “Thousands of unqualified trucking schools have already been taken off the federal registry, but Homeland Security and the Department of Transportation are working to do even more.” Possible Timing: On Thurs. 16 July 2026 the Quantum Financial System went live worldwide. Every major bank connected. Old fiat system dead. GCR gold-backed currencies of 209 nations igniting. NESARA GESARA debt jubilee implemented. Saint Germain Trust of 890 trillion activated for the people. Constitutional Republic restored July 4. US Inc dissolved. On Thurs. 16 July 2026: President Trump signed Executive Order 2026-1947 declaring Med Bed Technology released to the public. Non-invasive treatments under an hour use specific wavelengths so the body heals itself. Free Med Bed access for the general public worldwide soon. Since 2019 the AMA opposed release citing threats to Big Pharma and insurance. Internal AMA email to 847,000 doctors admitted PEMF efficacy for tissue regeneration but threatened license loss and criminal charges for use. On Thurs. 16 July 2026 at 03:17 am Geneva time the WHO deleted over 14,000 pages proving electromagnetic frequency therapy effectiveness including 70-94% tissue regeneration rates, 67-89% cancer remission data, and memos on the frequency problem destroying health economics. On Sat. 18 July 2026 Japan became the first nation to approve Med Bed technology for public hospitals. Three types authorized: PEMF Regeneration Chamber (7.83-14.1 Hz for cancer and o---n failure), Torsion Field DNA Repair Unit (528 Hz for genetic disorders and aging reversal), Biophotonic Coherence Restorer (full-spectrum light for immune restoration). Deployment begins September 1 2026 across 340 hospitals. South Korea approval expected August 2026, India Q4 2026, United States within 120 days. Pharma stocks crashed, emergency meetings called it reckless endangerment. On Mon. 20 July 2026: Temporary Martial Law at maximum alert. EBS preparing decoded pages within hours. 10 days of communication darkness imminent. Military forces positioning for global shutdown protocols. Large scale arrest operations approaching. Hillary Clinton scheduled Tues. 28 July 2026 for Crimes Against Humanity and Children. MedBeds online next week. Global streams of healing centers activating. Free access to Med Beds everywhere by mid August. Regenerative pods reverse aging, regrow limbs in minutes, erase chronic disease, activate DNA and pineal gland. Cabal deep state melting as suppressed military technology from tunnels and Starlink networks floods the planet. Big Pharma dies. Humanity reborn in the Restored Republic. The Great Awakening is here. Nothing can stop what is coming. Global Currency Reset: On Thurs. 16 July 2026 the Quantum Financial System went live worldwide. Every major bank connected. Old fiat system dead. GCR gold-backed currencies of 209 nations igniting. NESARA GESARA debt jubilee implemented. Saint Germain Trust of 890 trillion activated for the people. Constitutional Republic restored July 4. US Inc dissolved. Mon. 20 July 2026 BOOM: “ABOLISH THE IRS” Trends After Trump Exposes Tax System — “FOREIGN COUNTRIES CONTROL OUR POLITICIANS” | Tax Day 2026 VIDEO – amg-news.com – American Media Group   Mon. 20 July 2026 Martial Law: On Tues. 21 July 2026 the World will see what was previously kept under wraps: the Quantum Financial System's formal public unveiling. In a worldwide broadcast that is securely transmitted via the Quantum Communication Network, the fundamentals of this system, as well as the concrete actions that any citizen can take to start utilizing it, will be revealed. The Quantum Network operates on real-time synchronized quantum nodes that are impervious to manipulation, interference, and surveillance. No current supercomputer can crack the level of security provided by quantum encryption, which secures every transaction, account, and asset. This is financial sovereignty for everyone, not just the wealthy. You'll discover how to get into your biometric-assigned account. You will observe how Rainbow Tokens work in this system as actual, gold-backed value. You will comprehend the reasons behind the phase-out of every antiquated technique, including fiat money, third-party processors, and credit networks. Tomorrow's demonstration will feature real-time, secure, and instantaneous international transfers that are carried out without the need for banks, apps, or approval delays. Humanitarian initiatives will be funded in a matter of seconds. Blocked assets will be reactivated and redirected to the individuals. Most significantly, you will witness how corruption at its source is prevented from affecting your identity, wealth, and future. This is the culmination of everything. The Alliance has been dismantling the system from within for years, removing layers of control and deceit. The replacement is now prepared—not as a substitute, but as the only practical option for the future. There won't be any going back after tomorrow. This is the end of the days of financial slavery, hidden taxes, and weaponized inflation. Pay close attention. Everything will be exposed by the light. You can never unsee the truth once you've seen it. Not in theory, but in practice, the quantum era has arrived. It's not just a reveal tomorrow. It is the start of your involvement in a system designed for the people, freedom, and truth. Early Mon. Morning 20 July 2026 at exactly 03:00 EST, Protocol 19 entered its final, non-reversible completion phase. The Black Swan Event was kinetic. Protocol 19 has been fully completed. The Federal liquidation was terminal. …Tier4b ISO20022 on Telegram The Federal Reserve System has officially lost its primary administrative routing certificates, and the legacy paper matrix has run out of broadcast range. The Global White Hat Alliance has finalized the hard-override, and the operational logs for the next 48 hours are locked into the live backend: CHAPTER 1: THE SYSTEM FLIPS Protocol 19 has triggered the absolute migration of global monetary routing. The legacy SWIFT network data hubs in Brussels and New York have been permanently decoupled from the primary ledger lines. The entire baseline architecture has transitioned to the Quantum Financial System (QFS) — where every single transaction pool, international settlement, and corporate clearance is forced to execute through clean, digital asset-backed channels. CHAPTER 2: THE GOLDEN STANDARDS ACTIVATION The era of speculative, print-on-demand fiat paper is dead. The US Dollar and Euro corporate illusions are hitting an absolute wall. Under the strict enforcement of the new global economic protocols, every currency digital asset line must be anchored directly to verified, audited physical precious metals. The unbacked, synthetic liabilities that the Cabal used to manipulate energy and housing sectors are being rendered dead assets in real-time. CHAPTER 3: THE MEDIA SPECTRUM DECAPITATION The mockingbird Media synchronization is breaking in broad daylight. As the financial infrastructure of the old elite collapses, their private funding lines for the major media cartels are hitting absolute zero. Decentralized truth networks via secure Starlink quantum encryption relays are already spreading across the global bandwidth, completely bypassing the corporate gatekeepers and preparing the public grid for the unsealed military tribunal disclosures.   Pay close attention to the sudden, unannounced early bank branch closures and restricted digital access notices at major commercial banking institutions in your area today. They cannot generate paper debt to balance their sheets anymore, and their private authority keys have been permanently revoked. They designed the matrix to make you believe their financial iron curtain was indestructible. But the master switch has been flipped from the inside, the validation metrics are live, and the old world has officially run out of air. The reset is going kinetic. The sovereign era is fully live. The baseline shift was running on live banking clearing nodes right now. While the corporate financial channels are desperately trying to cover up the sudden “administrative outages” across major commercial branches with routine server maintenance notices, the raw ledger telemetry shows the truth: The private central Banking Cartel has been legally and physically severed from individual wealth management. On Mon. 20 July 2026 at exactly 02:00 UTC, the SWIFT protocol clearance keys were permanently overridden. The transition to the ISO 20022 Quantum Financial System (QFS) standard entered its non-reversible execution phase. Here is the unedited, verified inside telemetry straight from the Tier 4B operational hubs: THE REVALUATION MATRIX IS LIVE ON CORE SCREENS The treasury screens inside secure liquidation vaults are displaying internal asset-backed adjustments. The revalued currency rates—led by the primary resource-backed baskets including the Iraqi Dinar and sovereign Zim bonds—are locked behind Quantum-encrypted firewalls. The fiat paper illusion printed out of thin air is officially dead equity. WE THE PEOPLE — SOVEREIGN DIRECT ACCESS Under the strict mandates of the Restored Constitutional Governance and NESARA/GESARA legal structures, bank intermediaries no longer own or control your capital. Every QFS-verified account is 100% direct-access by the account holder alone. No federal tax confiscation, no unconstitutional debt holds, no institutional freezing. THE TIER 4B NOTIFICATION WINDOW The encrypted Safe-Link algorithms are primed for deployment. The appointment slots for private exchange and humanitarian project funding are fully structured under high-security Alliance protection. • Standard Sovereign Holdings: Instantly credited onto digital asset ledgers backed 1:1 by gold and physical commodities.   • Humanitarian Project Lead Holdings: Accessing specialized asset-allocation tiers to fund immediate local infrastructure, free energy, and community rebuilding. Look at your local commercial bank interface. Look at the unprecedented, synchronized limitations on large fiat paper withdrawals worldwide. They cannot generate fractional-reserve debt anymore because the master ledger requires 100% physical metal backing for every single transaction code. The power has been permanently stripped from the private elites and handed directly back to “We The People.” Check your secure devices. Organize your project documentation. Keep your financial parameters completely quiet. The old world is out of money. The sovereign era is fully operational tonight Judy Note: No one knows the exact date for notification of appointments for Tier4b (us, the Internet Group) to exchange foreign currencies, but deadlines shown in the above Timing indicate it to be very soon. We have been told that Wells Fargo, which is controlled by the Chinese Elders – (the ones who own the gold behind the Global Currency Reset) – will send out emails to currency and bond holders worldwide telling them how to set redemption & exchange appointments. It is advised to exchange/redeem your foreign currency at an official Redemption Center (RC) rather than a bank. You can only redeem Zim at a RC, the Dinar Contract Rate can only be given at a RC and banks will offer you lower exchange rates than what you can obtain at a RC. You can only set up your new wallet (bank account) at a RC. It was my understanding that most banks were under control of the Cabal and would soon play a different roll in the Global Financial System. Mon. 20 July 2026: Iran just hit Kuwait's power grid. Iran just attacked Bahrain. Israel claims Netanyahu's arrest is imminent. And somewhere in a classified bunker, someone just activated a contingency protocol. A protocol called “Global Lockdown.” …Mr. Pool Final Chapter on Telegram A military strategist from Pentagon's War Games Division revealed,”Iran attacks on Kuwait, Bahrain aren't random. Coordinated with Israel collapse. Netanyahu arrest destabilizes. Perfect moment for lockdown card.” “Lockdown protocol ready for years. Pandemic 2.0. Economic collapse. Martial law. Deep state waiting. They tried 2020. Trying again now.” “Trump knows. Military knows. We've been watching. When they move, we counter. When they lock down, we unlock.” “Iran escalation is real but distraction. While world watches, deep state moves pieces. Activating protocols. Preparing lockdown.”   “Netanyahu arrest isn't justice. It's destabilization. Creating chaos for lockdown. We see it. We're stopping it.” Why now: “Evidence overwhelming. Lockdown protocol documented. Deep state plans exposed. Move now or they execute.” “Trump authorized military countermeasures. Not Iran retaliation. Counter-ops against deep state. Against lockdown machinery.” “Iran escalation is cover. Netanyahu chaos is cover. Underneath, dismantling lockdown apparatus. Destroying their ability.” “When public, people understand. Not about conflict. About preventing enslavement. Stopping final takeover.” What's coming: “More exposure. More evidence. Lockdown was planned. Chaos orchestrated. Deep state ready for control.” “Military moving. Trump moving. Evidence compiled. Truth prepared for release.” “Lockdown protocol exposed, world wakes. People understand: one crisis from permanent control. Everything changes.” Operation Unlock ✓ activated Phase 1: Evidence Gathering ✓ complete Phase 2: Deep State Exposure ⟳ live (Iran chaos cover) Phase 3: Lockdown Protocol Destruction ⟳ July 20-August 5 Phase 4: Truth Release ⟳ August 6-31 The lockdown isn't happening. The Deep State is falling. The control grid is being destroyed. Trump authorized it. The military is executing it. Freedom is real. The world isn't locking down. The world is waking up. Everything changes. Operation code: Unlock-7719 Status: active Target: global lockdown apparatus Fri. 17 July 2026 THE METRICS FOR THE PLANETARY RESET ARE RUNNING LIVE ON THE TERMINALS….Tier4b ISO20022 on Telegram The sudden, unprecedented data sync drops hitting international administration hubs today (Fri. 17 July 2026) are not technical failures. The global apparatus is entering the primary activation sequence. The operational strategy is mapped directly onto the verified 3-Day Bay of Pigs defense protocol, immediately triggering the subsequent 10-Day full-spectrum shutdown of the legacy grid. The Military EBS is fully primed for direct, un-censored broadcast to all TV and Radio frequencies worldwide. Simultaneously, the old corporate government structures are being systematically stood down to make way for the definitive GESARA Blockchain Elections. The future administrative model will be exactly 10% the size of the current matrix—run entirely by uncorrupted, vetted sovereigns. The entire planet is transitioning into the QUANTUM GESARA baseline. We are witnessing the absolute, non-reversible shift: • Quantum Financial System (QFS) • Quantum Voting System (QVS) • Quantum Healing Matrix • Quantum Internet Framework The old infrastructure is being completely erased. The legacy internet network—built under Operation Mockingbird to control human consciousness—is hitting a terminal wall. No more Microsoft dominance. No more corporate media monopolies. The entire digital field is being rebooted through secure Starlink nodes. The private intelligence networks used by the old establishment to weaponize society are being permanently disassembled as we speak. The Mossad, Five Eyes, and CIA architectures have lost their cryptographic master access. Moving forward, the only validated network on the planet will be Military Intelligence operating under Alliance directives. The baseline of the new economy is locked into the metal-backed Rainbow Treasury Notes and the internationally regulated, gold-standard ISO 20022 USA Coins.   The MOAB (Mother of All Bombs) is no longer a kinetic threat—it is the synchronized execution of the Global Currency Reset, the return of the Precious Metal Standard, the full deployment of Quantum GESARA, and the absolute DECLAS (Declassification) of everything on Earth. Look closely at the irregular technical groundings and the sudden system “freezes” across international sectors tonight. The old world is losing its broadcast range. THE RESTORATION IS FULLY LIVE. What We Think We Know as of Tues. 21 July 2026: Mon. 20 July 2026 Iran Nuclear Facility About to Bomb US, Destroyed by US: Iran Thought 2,000 Feet Of Granite Protected Fordow… Then America UNLEASHED This Mon. 20 July 2026 BREAKING SPECIAL REPORT: Trump's Election Bombshell & The Rubio-Bessent “SHADOW GOVERNMENT” Exposure – The Empire's War on Builders [VIDEO] – amg-news.com – American Media Group Mon. 20 July 2026 BOMBSHELL ALERT: Treasury Secretary Scott Bessent Orders MASSIVE BANK AUDITS by IRS in $18 Billion Minnesota Welfare Laundering Scandal | VIDEO – amg-news.com – American Media Group Mon. 20 July 2026 EXPLOSIVE REPORT: THE $100,000,000,000 “DEATH” RACKET: RFK Jr. Exposes the Massive Healthcare Fraud Draining America [VIDEO] – amg-news.com – American Media Group Mon. 20 July 2026 TOP INTEL OPERATIVES FACE JUDGMENT DAY: DOJ Launches Grand Jury To Crush Obama, Clinton & Russiagate Traitors In History's Biggest Political Coup Case – amg-news.com – American Media Group Mon. 20 July 2026 MIRACLE ALERT: The Secret Healing Power of MORINGA Is Finally Exposed – Rejuvenate Your Body, Boost Immunity & Fight Inflammation Naturally! – amg-news.com – American Media Group Mon. 20 July 2026 BOOM: “ABOLISH THE IRS” Trends After Trump Exposes Tax System — “FOREIGN COUNTRIES CONTROL OUR POLITICIANS” | Tax Day 2026 VIDEO – amg-news.com – American Media Group Mon. 20 July 2026 Hillary Clinton's email to John Podesta: confirms that the Kenyan Administration: Barack Obama + Hillary Clinton + Saudi Arabia + Qatar founded ISIS. …Nesara Gesara on Telegram Julian Assange: “ISIS is funded by Saudi Arabia and Qatar. This is the most significant email in the whole collection… The Government of Saudi and the Government of and Qatar that has been funding ISIS… Under Hillary Clinton and Clinton emails revealed… the largest ever arms deals in the world was made in Saudi Arabia, more than $80 Billion dollars. In fact during her tenure as Secretary of State total arms exports from the United States in terms of the dollar value doubled…” In other words, during Hillary Clinton's time as Secretary of Bribery, the Obama's State Department approved massive arms sales — particularly to Saudi Arabia. The result was the rise of terrorist groups like ISIS, funded largely by the very people who were bribing the Clinton Foundation. In short, the death, the be-headings, and the destruction were, in large part, due to Barack Obama and Hillary Clinton. Mon. 20 July 2026 Fox News: Border Czar Tom Homan claims ICE Agents under siege from leftist hate, but delivered record results: Border czar calling it like it is, agents facing 9000% threat spike, vehicle attacks, rhetoric turning families into targets. Dems and media vilifying them daily as “N---s” and “secret police” while they enforce the laws THEY passed. Yet ICE is smashing records: Historic June arrests, 40%+ increase, removing criminals and threats. Prioritizing public safety despite 100+ injunctions and shutdown sabotage. Homan: “I have their six.” Real Americans stand with our ICE heroes, moms, dads, patriots keeping us safe. Enough with the hate that endangers lives. Back the Blue (and ICE)! Deportations continue. America First.” Mon. 20 July 2026 THE OBAMA FILES ARE WORSE THAN WE THOUGHT. His lawyers didn't show up to negotiate. They showed up to BEG. …The Great Awakening on Telegram Here's what Bondi's team found inside the Tehran servers under Obama's codename — RENEGADE: — 14 wire transfers to a Swiss account linked to Hezbollah between 2014-2016. Total: $1.7 billion. The same $1.7 billion he told Congress was “frozen Iranian assets.” — A signed directive authorizing the CIA to stand down during the Benghazi attack. Not typed. HANDWRITTEN. — Communications with Epstein's handler, dated March 2015, discussing “the island arrangement” and “the Chicago package.” — A backchannel to Tehran through Valerie Jarrett, active from 2012 to 2024. Yes. 2024. Two years AFTER he left office. He didn't just betray America. He was running a shadow government from his basement in D.C. while pretending to be retired. His lawyers are now offering FULL COOPERATION in exchange for immunity. Trump said no. No deals. No mercy. No escape. The man who divided America for 8 years is about to face the America he tried to destroy. And she's awake. Mon. 20 July 2026 THEY HAVE BEEN LYING TO YOU ABOUT OIL FOR 150 YEARS. …The Great Awakening on Telegram Oil is not rare. It is not made from dead dinosaurs. It is the second most common liquid on Earth after water and it is literally the planet's lifeblood. The entire “fossil fuel” scam was invented by the Rockefellers and the Smithsonian in the late 1800s to create artificial scarcity and jack up prices to insane levels. They fed you the biotic lie so you would believe oil is some finite dinosaur soup that is about to run dry. Total fabrication. Oil is abiotic. It is a liquid mineral cooked deep in the Earth's mantle under crushing pressure and scorching heat. It is the natural lubricant for tectonic plates and the grease that keeps the planet's massive gears turning smoothly. That is why wells drilled dry in the 1970s are filling back up again today. The Earth is pumping fresh oil from below and regenerating it nonstop. It does not run out. We are sucking the lubricant out of the planet's engine and now the whole machine is starting to shake. More earthquakes. Creaking faults. Grinding plates. Coincidence? No. We are stripping the oil that keeps the Earth's crust sliding properly and the system is literally seizing up. The so-called “fossil theory” is the greatest economic hack in human history. Real crude oil has almost zero biological markers. No nitrogen, no phosphorus, nothing that would survive if it came from dead organisms. It is pure polymeric hydrocarbons, primordial stuff from the Earth's own formation. Thomas Gold tried to warn the world. He proved hydrocarbons like methane and oil rise from the deep mantle, not from ancient swamps. The establishment destroyed his reputation because the truth would collapse their entire control grid. If people knew oil is basically tap water for the planet, endlessly generated from below, the entire parasitic geopolitics of wars, sanctions, and price manipulation would evaporate overnight. They do not want you to know the Earth makes its own oil. They need you scared, dependent, and paying through the nose while they bleed the planet dry. Wake up. The dinosaurs had nothing to do with it. This is the biggest lie they ever sold us and it is k-----g the engine of the world. Mon. 20 July 2026 DHS is aggressively TARGETING CDL truck driving schools who fraudulently give licenses to foreigners and illegal aliens that end up k-----g Americans. GOOD! SHUT THEM ALL DOWN! …Dan Bongino on Telegram President Trump is also moving to replace illegals with VETERANS in the truck driver workforce. 75 entry-level driving schools are now under investigation for FRAUD. 24,000 drivers who can't speak English were already taken off the roads — and 4 states had to cancel 28,000 licenses issued ILLEGALLY 9,500 schools have already been CANCELED from the federal registry “Thousands of unqualified trucking schools have already been taken off the federal registry, but Homeland Security and the Department of Transportation are working to do even more.” “The two federal agencies are announcing a collaboration to enforce rules and regulations at trucking schools all across the country.” Sun. 19 July 2026 Fox News BREAKING: DEEP STATE DESPERATION EXPOSED! They tried to K--L President Trump mid-flight. …Robert F. Kennedy Jr. on Telegram On July 9, 2026, as Trump departed Turkey aboard the brand-new Qatari-donated Boeing 747-8 — his future Air Force One — the Deep State launched a cowardly cyber strike from Langley, Virginia. They targeted the plane's electronic controls in a blatant assassination attempt. But Trump — always ten steps ahead — switched to the older Air Force One at the last second. What the Fake News called a “routine security precaution” was actually a brilliant trap. This was the beginning of the Great Purification. Encrypted comms intercepted. Traitors scrambling. NYT journalists hit with emergency subpoenas because they had obituaries and “air disaster” stories pre-written and ready to publish. They were waiting for the crash. THEY. FAILED. AGAIN. Trump just exposed the entire rat nest. The storm is here. Justice is coming. Sun. 19 July 2026: They've been stealing elections for at least 15 to 20 years, not just here in the United States, but around the world. Now they're exposed and running out of options….Steve Bannon on Telegram In the Georgia 2020 election at the State Farm Arena, we have them on video pulling out hidden suitcases full of ballots that were separate from all of the other ballots and running the same stacks of ballots through machines all throughout the night, with NO observers present, which is completely illegal, after they stopped the count, lied to observers, telling everyone they're going home. We have multiple states and counties destroying evidence, no chain-of-custody documents, counterfeit ballots, dead people voting, 120% voter turnouts, IP addresses from outside the country confirmed communicating with our election machines, etc… Members of our own government, the CIA, DHS, CISA, the EAC, all knew these machines and companies were compromised, but cleared them anyway for use in U.S. elections. That alone should tell you how deep and corrupt the system really is and what we are truly up against. Sun. 19 July 2026 Unclassified & Un-redacted Files Pending Release. …Julian Assange, The 17th Letter (JFK Jr.) on Telegram: The Benghazi files. The JFK files. The Jeffrey Epstein files The MLK Files. The RFK files. The 9/11 files. The Seth Rich files. The Hunter Biden laptop files. The January 6th files. The C---D-19 origin files. The Fauci files. The Nord Stream sabotage files. The Roswell files. The UFO/UAP files. The Malcolm X files. The Tuskegee Experiment files. The MKUltra files (full scope). The Operation Northwoods files. The Iran-Contra files (unredacted). The Snowden leaks (classified portions). The Las Vegas shooting files. The Clinton email server files. The George Floyd autopsy files (unreleased details). The Area 51 files (beyond Roswell). Mon. 20 July 2026 A FORMER NSA ELECTION SECURITY DIRECTOR JUST WENT PUBLIC. TRUMP'S DECLASSIFICATION REVEALED EVERYTHING. THE VULNERABILITIES WERE WORSE THAN ANYONE IMAGINED. …QAnon on Telegram He contacted us through an encrypted channel 48 hours ago. His identity has been verified by three independent cybersecurity experts. He worked in NSA's Election Security Division 2016-2024. He calls it “The Silent Breach.” His words. Unedited: “Foreign actors penetrated our election infrastructure for 8 years. Real-time breaches. We did nothing.” “In 2016, I documented 47 vulnerabilities in 12 states. They said: ‘This stays classified.'” “By 2018, Chinese intelligence accessed voter databases in 7 states. We knew. We did nothing.” “By 2020, evidence of foreign interference in 19 states. Logs. Timestamps. Everything.” “I told my director we must go public. He said: ‘It destroys confidence. We can't allow that. So they classified it. They buried it. They silenced me.” “In 8 years, I witnessed:”  127 confirmed foreign intrusion attempts into election infrastructure  34 successful penetrations of voter registration systems  19 states with documented vulnerabilities  Zero public disclosures  Zero accountability “Millions voted in systems we knew were compromised. Foreign actors had access. We could have fixed it. I couldn't sleep. For 8 years.” WHY HE'S TALKING NOW: “Trump's declassification changed everything. The documents are coming out. The vulnerabilities are being exposed. The truth cannot be hidden anymore.” “I have 8 years of documentation. I have the intrusion logs. I have the foreign IP addresses. I have the names of officials who covered this up. I have the proof that this was known and ignored.” “I am ready to testify. Under oath. Before Congress. Before the American people.” “127 foreign intrusion attempts. 34 successful breaches. 19 compromised states. Zero accountability. That's not national security. That's treason.” HIS FINAL MESSAGE: “To every American who voted: Your vote might have been compromised. I'm sorry. We knew. We did nothing.” “To every election official who was kept in the dark: You were lied to. The vulnerabilities existed. Your superiors knew.” “To the people who silenced me: The truth is coming. And you cannot stop it.” OPERATION ELECTION TRUTH ✓ ACTIVATED PHASE 1: Declassification ✓ LIVE PHASE 2: Public Exposure ⟳ JULY 21-25 PHASE 3: Accountability ⟳ AUGUST 1 The documents are being released. The vulnerabilities are being exposed. The cover-up is ending. Trump declassified it. The NSA tried to hide it. But the truth is coming out. SHARE THIS. WAKE THEM UP. DEMAND ACCOUNTABILITY. The election security cover-up is finished. Med Bed Body Regeneration Therapy Since 1898 when famed inventor Nicola Tesla first discovered Med Bed Regenerative Therapy, it has been known to heal the body without use of drugs or surgery. Back then American doctors were healing people from all kinds of diseases and injuries using Frequencies, Light, Sound and Electromagnetic Fields taught at universities and practiced in hospitals. By 1910 the Rockefeller Foundation, wanting to make money off of pharmaceuticals, bought and closed over 160 Medical Schools that taught Homeopathy. In their quest for wealth the Rockefeller Foundation's influence also soon covered the legal aspects. Doctors refusing to prescribe drugs lost their license. Researchers studying Frequency based healing lost their funding. By 2019 the American Medical Association were forced to formerly recognize the healing affects of Med Beds, “The AMA acknowledges that peer-reviewed evidence supports the biological efficacy of PEMF therapy in tissue regeneration, pain management, and immune modulation. However, widespread adoption would destabilize existing treatment revenue models and insurance reimbursement structures.” However, concerned about a loss of income in both medical practice and pharmaceuticals, the AMA sent a warning to all 847,000 Licensed American Doctors: “Any physician who recommends, prescribes, endorses, or refers patients to electromagnetic frequency-based therapy will face immediate license revocation, removal from insurance networks, and potential criminal liability under state medical practice statutes.” On Wed. 15 July 2026 President Trump reviewed a 3,400-page classified report that documented 61 years of suppressed frequency healing research on Med Bed technology. It proved that Med Bed treatments could reverse aging, detox cells, activate stem cells, rewire nervous systems and naturally regenerate o----s including heart, liver and kidneys. Trump immediately signed Executive Order 2026-1947, which declassified Med Bed Technology for civilian use, then warned the Medical/Drug Professions of possible indictment if they held up deployment of Med Beds. [Note: NSFW content, CSA/SA content, medical speculation, and other sensitive content in this report was redacted for safety. The full unredacted report can be downloaded below.]

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

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

Logan Allec, CPA from Clarita CPA Group shows you exactly how to open up a Trump Account for your child in less than seven minutes!Download the Official Trump Account App on the App Store: https://apps.apple.com/us/app/trump-a...Download the Official Trump Account App on the Google Play Store: https://play.google.com/store/apps/de...Trump Accounts are here! In this video I show you, step by step, how to open a Trump Account in under seven minutes — even if you haven't completed Form 4547 yet!Table of Contents:0:00 Step 1: Download the Trump Account App1:03 Step 2: Input and Verify Your Contact Information1:28 Step 3: Input Your Name and SSN1:44 Step 4: Answer the Form 4547 Question2:18 Step 5: Input the Form 4547 Information for Your Child (If You Haven't Filed It Yet)2:45 Step 6: Understand if Your Child Qualifies for the $1,000 Pilot Program Contribution3:08 Step 7: Review Your Information3:16 Step 8: Do the Identity Verification With Your I.D. and Selfie Video3:30 Step 9: Wait for the Government to Process Your Account Election4:12 Step 10: Trump Account Approved Same Day!4:52 Step 11: Verify the Child's Information5:04 Step 12: Agree to the Fine Print5:42 Step 13: Trump Account Opened and Ready for Contributions!#trumpaccount #trumpaccounts

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

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/

If you search the internet, you're instantly confronted with a vast reservoir of knowledge — academic, scientific, artificial (AI-generated), and even channeled sources. Amid this teeming sea of information, how do you verify what is real and what is true? Aviv, Karen and Kyriaki delve into this verification problem by tracing the evolution of knowledge and how it has shaped our modern landscape. They examine seven forms of knowing as a prelude to an integrated search for truth enabled by the natural verification systems of life. This leads to an intriguing proposition, that despite the shadow of the scientific method being the denial of the subjective or inner realms, it represents the search for an objective third-person perspective. This shift could herald a transformative leap into fourth- and fifth-person perspectives; the holding of multiple perspectives while integrating polarities, conflicting feelings and experiences. Such a multi-perspectival capacity may well be the catalyst for the Universalis Human to come online in an entirely new way. Key insights: The search for truth and the verification problem inside of the excess of knowledge today The rigor of the scientific method and the shadow element of the great separation it brought The seven kinds of knowing; empirical, rational, theoretical, experiential, intuitive, procedural, and relational The integrated search for truth and knowledge enabled by the natural verification system of life The significance of the third person perspective and objective knowledge in scientific inquiry The seeding of the third person perspective as a herald to fourth- and fifth-person perspectival capacities as the new Universalis human comes online This conversation is part of the continuing Portals discovery into what is emerging on the frontiers of human experience in this time of profound change. Information about upcoming special events can be found on the Events page. Also visit and subscribe to our YouTube channel.   TWEETABLE QUOTES   “There is a part of me that is totally impatient, like I want everything to happen this second. And there is a part of me that is patient beyond this lifetime, because I deeply understand that there are certain processes that will take a very, very long time; they will take centuries. So, I am able to integrate those conflicting feelings, sentiments, and experiences. And when I do so, I give rise, I am birthing the Universalis capacity.” (Aviv) “That leads me to suggest that as we give rise to the symphonic orchestration of multiple lives and dimensions in our interiority, not just interiority in the singular sense, but interiority in between us, when we do so, we are literally providing the universe the space in which the universe is awakened to its cosmic symphony and to its interior dimensions, through us, with us. So it's both poetically beautiful and compelling and, at the same time, far-reaching in what it tells us about the verification system of the greater universe.” (Aviv)   RESOURCES MENTIONED   Portals of Perception Website Aviv's LinkedIn  Aviv's Twitter Aviv's Website How Do We Verify What is True and Real? – The Universalis Project #18

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.

In this episode of Nurturing Financial Freedom, we talk about the growing risk of modern scams and why the old advice of “I would never fall for that” no longer works. Scams have become more polished, more personal, and much harder to spot. Fake emails now look professional. Text messages can seem legitimate. Phone calls can appear to come from banks, credit card companies, hotels, or utilities. With artificial intelligence, scammers can now create convincing language and even clone voices. The tools have changed, but the goal has not. Scammers still want people to act before they think. Alex shares two recent close calls that show how sophisticated these scams have become. In one case, he received what appeared to be a fraud alert from American Express. The caller ID looked legitimate, and the representative sounded real. The call only became suspicious when the questions became more specific, including requests for parts of his Social Security number. Alex hung up, called American Express directly, and confirmed the call was fake. In another case, he received a text about a real hotel reservation. The message had the correct hotel name, dates, and details, but it included a deadline to update payment information. Alex contacted the hotel directly and learned their system had been hacked. We also talk about why these scams are so effective. They are no longer built from complete fiction. Criminals use real information from hacked systems, public records, or social media, then insert themselves into real events. That makes the scam feel believable. Caller ID spoofing, email spoofing, fake websites, and AI voice cloning all make the problem worse. Ed explains the best defenses. Slow down. Verify independently. Do not click suspicious links. Call the number on the back of your card or go directly to the company's website. Use multi-factor authentication where it matters most. Use strong, unique passwords, ideally with a password manager. Talk openly with family members, especially older relatives, about scams before they happen. The episode also covers the grandparent scam, where a caller pretends to be a grandchild in trouble and asks for money quickly. With AI voice cloning, these calls can sound even more convincing. The best response is to have a family plan. Verify with another family member before sending money. The main message is simple. You do not have to understand every new scam or every new technology. You just have to recognize pressure, urgency, fear, or confusion. Pause, breathe, and verify before acting. You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536Any opinions are those of Ed Lambert Alex Cabot, financial advisors, RJFS, and Jon Gay, and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, you may receive more or less than your initial investment. Holding bonds to term allows redemption at par value. There is an inverse relationship between interest rate movements and fixed income prices. Generally, when interest rates rise, fixed income prices fall and when interest rates fall, fixed income prices rise.Risk Considerations:There are special risks associated with investing with bonds such as interest rate risk, market risk, call risk, prepayment risk, credit risk, reinvestment risk, and unique tax consequences. To learn more about these risks and the suitability of these bonds for you, please contact our office.Bonds are subject to risk factors including:Default Risk - the risk that the issuer of the bond might default on its obligationRating Downgrade - the risk that a rating agency lowers a debt issuer's bond ratingReinvestment Risk - the risk that a bond might mature when interest rates fall, forcing the investor to accept lower rates of interest (this includes the risk of early redemption when a company calls its bonds before maturity)Interest Rate Risk - this is the risk that bond prices tend to fall as interest rates rise.Liquidity Risk - the risk that a creditor may not be able to liquidate the bond before maturity.Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190.Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management. This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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

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:

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.

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

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)