Podcasts about year old

This is The Briefing, a daily analysis of news and events from a Christian worldview.Part I (00:14 – 06:27)The Often Unrecognized Importance of AM Radio: This is an Important Fight – AM Radio is a Lifeline in a Major National EmergencyEmbarrassing Breach at F.B.I. Fuels Fears of Harm to Its Employees by The New York Times (Dustin Volz, Alan Feuer, Charlie Savage, and Adam Goldman)Part II (06:27 – 08:26)A Massive Hack of the FBI: If the FBI is Vulnerable to This Kind of Attack, Then So Are All Americans by Part III (08:26 – 13:33)I Have Authority Over Land Development. Should I Prevent the Construction of a Temple That is Contrary to Biblical Christianity If I Have the Authority to Do So? — Dr. Mohler Responds to Letters to Listeners of The Briefing by Part IV (13:33 – 16:46)An 89-Year-Old on the Verge of Entering Hospice Just Received Christ. How Should We Think About Baptizing Her? — Dr. Mohler Responds to Letters to Listeners of The BriefingPart V (16:46 – 19:46)Should Christians Enter Into the Field of Psychology Given Its Secularization? — Dr. Mohler Responds to Letters to Listeners of The BriefingPart VI (19:46 – 25:41)I Am an 18-Year-Old Young Man Who Still Lives with My Parents. What Should Spiritual Leadership Look Like in My Courting Relationship with My Girlfriend? — Dr. Mohler Responds to Letters to Listeners of The BriefingSign up to receive The Briefing in your inbox every weekday morning.Follow Dr. Mohler:X | Instagram | Facebook | YouTubeFor more information on The Southern Baptist Theological Seminary, go to sbts.edu.For more information on Boyce College, just go to BoyceCollege.com.To write Dr. Mohler or submit a question for The Mailbox, go here.

Ahead of the NRLW Grand Final against the Sydney Roosters, Brisbane Broncos legend Ali Brigginshaw joined Jason Matthews on 4BC Breakfast to reflect on her final career game, her preparation, and her impact as a pioneer for women's rugby league. The emotional interview touches on her connection to her hometown of Ipswich and features a heartfelt message from a 13-Year-Old fan that moved the veteran player to tears.See omnystudio.com/listener for privacy information.

Capable young people can know what to do and still struggle to act when the stakes get higher. In this episode of College & Career Clarity, Lisa Marker-Robbins explores why agency does not automatically develop with age and why professional risk-taking can feel difficult for some young adults.She also shares how parents can give young people more opportunities to practice acting on their own behalf, using examples from career development and family life to show how small responsibilities can build agency over time.In this episode, you'll discover:The difference between everyday independence and public-facing professional risk-takingHow parenting support can create or limit opportunities to practice independenceWhy personality and confidence do not determine agencyHow career exploration builds independence, decision-making, and personal responsibilityKey Takeaways: Agency develops through action, so confidence or a detailed playbook cannot replace making the call, sending the email, asking for help, or trying again after a setback.Parents can build these skills through low-stakes opportunities, such as having a teenager email a teacher, make an appointment, speak with an adult about their work, or manage their own car service.When deciding whether to help, ask whether the young person cannot do something yet or is simply uncomfortable doing it, since each situation calls for different support.Career exploration gives young people room to make mistakes and practice acting on their own behalf before their livelihood depends on it, as shown by Sabrina Snyder's daughter taking greater ownership of college preparation. “Agency is not a personality type, my friends. It's a capacity that gets developed. It's a muscle that gets built.” – Lisa Marker-RobbinsEpisode References:Learn more about Launch Career Clarity at https://flourishcoachingco.com/courseSample Birkman Report: https://flourishcoachingco.com/birkman#241 Could Your Help Be Holding Your Young Person Back? with Jason Robinovitz: https://flourishcoachingco.com/241Get Lisa's Free on-demand video: THE CAREER IDENTIFICATION COMPASS: How To Be Certain Your 15 To 25 Year Old is On The Right Path to Launch With Confidence–Not Confusion: flourishcoachingco.com/video Connect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

Send us Fan MailWhat happens when the parenting principles you learned when your kids were little are finally put to the test in the teenage years? Mandy welcomes longtime friend and former nextTalk co-host Kim Elerick back to the podcast to talk honestly about what she has learned after stepping away from the organization and focusing more intentionally on her family.Kim shares how creating margin helped her move from projecting fear onto her kids to being more present with them. Together, Mandy and Kim revisit practical principles that have shaped their families: keeping devices out of bedrooms and bathrooms, telling kids “I love you the same” when they mess up, getting curious instead of immediately lecturing, introducing technology based on readiness rather than age, and reminding kids they can always wake you up. Through mistakes, apologies, hard conversations, and plenty of “crazy parent mode,” they've seen how consistently building a safe place can create relationships where kids actually want to come to their parents when something goes wrong.Guest Bio: Kim Elerick helped build nextTalk alongside Mandy Majors from its earliest days as a moms group through its growth into a nonprofit organization. With a background in radio, Kim also helped Mandy learn the world of radio and podcasting while contributing to many of the parenting principles and conversations that became foundational to nextTalk.After stepping away from her day-to-day role at nextTalk to prioritize her family, Kim gained a new perspective on putting those principles into practice while raising her three children. Now returning as an occasional guest contributor, she brings honest, firsthand insight about parenting teens, navigating technology, creating healthy boundaries, and building the kind of relationship where kids know their parents are a safe place.Resources:Look in the Mirror: https://nexttalk.org/podcast_episode/look-in-the-mirror/ Crazy Parent Mode: https://nexttalk.org/podcast_episode/avoid-crazy-parent-mode/Four reasons I kept screens out of my kid's bedroom and bathroom: https://nexttalk.org/podcast_episode/four-reasons-i-kept-screens-out-of-my-kids-bedroom-and-bathroom/ Walker's Promise - https://nexttalk.org/walkers-promise/ 16 Year Old's Suicide from Sextortion.How do we protect our kids? - nextTalk Build a safe place: https://nexttalk.org/podcast_episode/build-a-safe-place/Is my kid ready for a phone? - nextTalkMy child is ready for social media. Where should I start? - nextTalk Influenced: https://nexttalk.org/podcast_episode/influenced/ Questioning Kids Wrap-Up: Understanding my child instead of trying to “fix” them - nextTalk Author Kristen Jenson - nextTalk “Good Pictures, Bad Pictures” book: https://www.defendyoungminds.com/books Connect with The nextTalk Parent Podcast:Website:https://nextTalk.org/Facebook: https://www.facebook.com/nextTalkInstagram: https://www.instagram.com/nextTalkorg/YouTube: https://www.youtube.com/@nextTalkorgSupport the showKEEPING KIDS SAFE ONLINEConnect with us...www.nextTalk.orgFacebookInstagramContact Us...admin@nextTalk.orgP.O. BOX 160111 San Antonio, TX 78280

Manosphere Incel CLAVICULAR Officially Charged With S.Aing A MINOR | 17 Year Old "Victim" by Greg Adams

The RUNDOWN S6 E145: 83 Year Old, Christian Grandmother Euthanized Against Her Will in CanadaPlease Support Our Sponsors:HITMAN INDUSTRIES - Visit them at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.hitmanindustries.net/⁠⁠⁠⁠THE CALIFORNIA REPUBLICAN ASSEMBLY - Visit them at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cragop.org/⁠USCOMBATGEAR.COM⁠⁠⁠ - Visit them at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.uscombatgear.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HAWG HOLSTERS - Visit them at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.hawgholsters.com/

The RUNDOWN S6 E145: 83 Year Old, Christian Grandmother Euthanized Against Her Will in CanadaPlease Support Our Sponsors:HITMAN INDUSTRIES - Visit them at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.hitmanindustries.net/⁠⁠⁠⁠THE CALIFORNIA REPUBLICAN ASSEMBLY - Visit them at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://cragop.org/⁠USCOMBATGEAR.COM⁠⁠⁠ - Visit them at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.uscombatgear.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HAWG HOLSTERS - Visit them at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.hawgholsters.com/

A liberal arts degree can provide broad academic freedom, but that freedom can leave students without the career structure employers expect after graduation.In this episode, Lisa Marker-Robbins examines the gap between academic exploration and career development, especially among liberal arts graduates who leave college with strong grades and academic accomplishments but struggle to get interviews.She explains why career readiness takes more than a degree and how students can start building professional identity, skills, and evidence while still in school. This episode also looks at how families can support young people in taking ownership of the process and building a bridge between education and employment.In this episode, you'll discover:The difference between academic exploration and career developmentHow degree structure can shape a student's career preparationRecognizing the growing importance of professional identity and evidence of skillsBuilding career development alongside college exploration for students and familiesKey Takeaways: Strong grades and academic accomplishments show a student can succeed in college, but employers also need evidence of skills, relevant experience, and the ability to create value at work.Graduates can submit 80 or 100 applications without an interview when they lack career evidence, leaving them unsure what jobs to target, with resumes lacking skills and little professional identity.Liberal arts students can build career readiness through career awareness, exploring aligned careers, and using real-world experiences to validate interests and build proof of skills.Waiting until after graduation can create financial and emotional pressure, but students can start building their career bridge at any stage because “it's never too late” to start. “The less career structure your degree provides, the more career structure you need to intentionally create for yourself.” – Lisa Marker-RobbinsEpisode References:Learn more about Launch Career Clarity at https://flourishcoachingco.com/course#237 How to Tell If a College Will Prepare Students for Career Success with Julia Lapan, UVA: https://flourishcoachingco.com/237#238 The “Why This Major Essay” Isn't Really About Your Major: https://flourishcoachingco.com/238University of Michigan to switch to pass/fail grades for first-semester students: https://www.theguardian.com/us-news/2026/aug/11/university-of-michigan-pass-fail-grading-systemGet Lisa's Free on-demand video: THE CAREER IDENTIFICATION COMPASS: How To Be Certain Your 15 To 25 Year Old is On The Right Path to Launch With Confidence–Not Confusion: flourishcoachingco.com/video Connect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

Send us Fan MailAfter more than three years of waiting, advocacy, prayer, and perseverance, Brian Montgomery returns to the nextTalk Parent Podcast with a major update in the fight for justice for his son, Walker.In December 2022, Walker became the victim of an online sextortion scheme. An online predator posing as a young girl manipulated Walker into a compromising situation and then threatened to expose him. Within hours, Walker died by suicide.Since then, Brian and his family have courageously shared Walker's story to warn other families, advocate for stronger protections for children, and help parents understand how quickly online predators can enter a child's world.In this conversation with Mandy, Brian shares the years-long journey that led from local law enforcement to the FBI, an arrest in Nigeria, and ultimately the extradition of the alleged perpetrator to the United States. He also shares the unexpected doors that opened through his advocacy—including a conversation with President Donald Trump—and how Brian believes God was working throughout the years of waiting.But this episode is about more than justice. Brian reflects on how grief, anger, waiting, and advocacy changed his faith and taught him to surrender an outcome he desperately wanted to control.Mandy and Brian also bring the conversation back home: What can parents do right now to protect their kids? Guest Bio:Brian Montgomery is a Mississippi father, farmer, agricultural risk-management professional, and nationally recognized advocate for online child safety.A Greenville native who now lives with his family in the Starkville area, Montgomery earned a bachelor's degree in agricultural pest management and a master's in forestry (with an emphasis in remote sensing) from Mississippi State University. He is co-founder of Alliance Ag Risk Management and has spent more than a decade helping Mississippi producers navigate crop insurance and farm risk.In December 2022 his 16-year-old son, Walker—a Starkville Academy student, athlete, and avid outdoorsman—died by suicide after an overnight Instagram sextortion scheme. That loss became the catalyst for Montgomery's public work. He has spoken to parents, schools, and lawmakers about how quickly social-media platforms can be used to exploit minors, the tactics predators use, and the practical steps families can take.Montgomery helped advance two Mississippi laws named for his son: legislation that criminalizes sextortion and the Walker Montgomery Protecting Children Online Act, which requires platforms to take reasonable steps to keep harmful content from minors and to give parents greater tools. With the nonprofit nextTalk he launched Walker's Promise, a simple parental pledge to keep phones and devices out of children's bedrooms and bathrooms. He has appeared on national and local media, parent-focused podcasts, and school events to share Walker's story and press for both personal vigilance and platform accountability.Montgomery speaks from the dual perspective of a parent who lived the worst-case outcome and a professional who understands rural families, technology, and policy. His message is direct: the internet is not a playground, predators operate at industrial scale, and adults—not algorithms—must set the boundaries that keep children safe.Resources:16 Year Old's Suicide from Sextortion.How do we protect our kids? - nextTalk: https://nexttalk.org/podcast_episode/16-year-olds-suicide-from-sextortion-how-do-we-protect-our-kids/Walker's Promise: https://nexttalk.org/walkers-promise/Talking to Kids about 16yo's Suicide from Sextortion - nextTalk: https://nexttalk.org/podcast_episode/talking-to-kids-about-16yos-suicide-from-sextortion/ Guardrails to Protect Kids Online - nextTalk: https://nexttalk.org/podcast_episode/guardrails-to-protect-kids-online/Parenting through Grief - nextTalk: https://nexttalk.org/podcast_episode/parenting-through-grief/  My child was a victim of sextortion. What should I do? - nextTalk: https://nexttalk.org/podcast_episode/my-child-was-a-victim-of-sextortion-what-should-i-do/Kids Online Safety Act (KOSA): https://www.congress.gov/bill/119th-congress/senate-bill/1748/textnextTalk Resources: https://nexttalk.org/help/Sextortion Awareness: https://nexttalk.org/?s=Sextortion+Awareness&id=6928Connect with The nextTalk Parent Podcast:Website: https://nextTalk.org/Facebook: https://www.facebook.com/nextTalkInstagram: https://www.instagram.com/nextTalkorg/YouTube: https://www.youtube.com/@nextTalkorgSupport the showKEEPING KIDS SAFE ONLINEConnect with us...www.nextTalk.orgFacebookInstagramContact Us...admin@nextTalk.orgP.O. BOX 160111 San Antonio, TX 78280

If Chris is here with six or so bottles, usually it's a casual episode. But someone let Chris team up with Dan and suddenly we have more than double the number of bottles. That's because we're trying fortified wines along with the spirits that they are traditionally barrel-finished in. It's arguably the best way to understand how a cask influences a spirit. Gonzalez Byass Tio Pepe Palomino Fino Glen Scotia 9-Year-Old Fino Cask Finish Emilio Lustau Don Nuño Oloroso Dry Sherry Signatory Speyside M 13-Year-Old 100 Proof Edition 2011 Penelope Project X Oloroso Sherry-Finished Bourbon Barrel #2027-2 Emilio Lustau San Emilio Pedro Ximénez Sherry Lux Row Small Batch Bourbon PX Sherry-Finished Dunville 10-Year-Old PX Cask Finish Single Malt Irish Whiskey Fonseca Bin 27 Angel's Envy Port Barrel-Finished Bourbon Chateau Doisy Vedrines Sauternes 2023 Ardnamurchan Highland Peated ex-Sauternes Cask Aged Highland Single Malt Blandy's Malmsey 5-Year-Old Nelson Brothers Madeira Cask Blended Bourbon   If you have a question for the Barrel to Bottle Crew, email us at comments@binnys.com, or reach out to us on Facebook, Twitter or Instagram. If we answer your question during a podcast, you'll get a $20 Binny's Gift Card! If you like our podcast, subscribe wherever you download podcasts. Rate and review us on Apple Podcasts.  

Lewis Rice spent 26 years inside the DEA, working undercover cases and helping take down some of the biggest drug traffickers in America in the 1970's, 80's & 90's. After earning his Criminal Justice degree from St. John's University, he joined the DEA and went on to coordinate major international investigations targeting violent cartels in Miami — cases that seized millions of dollars in cash and thousands of kilos of cocaine and heroin. He worked directly with infamous Harlem drug kingpin Frank Lucas after Lucas became a government cooperator, using his information to help convict major traffickers. Rice eventually rose through DEA leadership positions in Washington, D.C., Philadelphia, Detroit, and New York before becoming Special Agent in Charge of the DEA's flagship New York office — making him the youngest SAC in the entire agency at the time. After 26 years on the front lines of America's war on drugs, he retired in 2001. _____________________________________________  #miami #truecrimestories #cops #mafia #newyork _____________________________________________ Thank you to CASH APP for sponsoring this episode: Download Cash App Today: https://click.cash.app/ui6m/6pao71et #CashAppPod Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions for the Sutton prepaid card, Sutton debit flex card, and Bancorp debit flex card. Discounts and promotions provided by Cash App, a Block, Inc. brand. Visit cash.app/legal/podcast for full disclosures. _____________________________________________ Buy Lewis's Book: https://www.amazon.com/dp/0805978712?lv=shuf&channelId=500&plpRedirect=mhFallback _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Timestamps: 00:00 Frank Lucas Cooperates 00:32 Lewis Rice's Career and the DEA's Early Days 01:01 The Birth of the DEA in the 1970s 03:30 Growing Up in New York City 04:42 Friends' Heroin Addiction Inspires Mission 06:09 Influence of His Father 07:08 Family Background and Internships 08:51 Rikers Island Intern Experience 11:12 Starting at the DEA at 21 12:56 DEA's Size and Focus 13:12 Academy and Early Training 14:50 Legendary Supervisor Frank White 15:33 Typical Recruits in the Early DEA 16:37 Acceptance as a Young Agent 18:10 The Importance of Undercover Work 19:21 First Undercover Cases 21:21 Negotiating Drug Deals 22:00 Showing Money and Dealer Psychology 23:11 The Informant's Role 25:03 How Informants Were Found 26:36 Arresting Dealers and Building Cases 27:47 Dealers' Knowledge of the DEA 28:41 An 8-Month Undercover Investigation 29:47 Going to Trial in the 70s 30:40 Defendants Released by Magistrate 31:14 The 'Champion' Fugitive 33:03 DEA's Most Wanted and Frank Matthews 36:21 Conviction Success Rates 37:41 Working a Case with the US Attorney 38:54 Handwritten Reports and Courtroom Drama 39:42 Prosecutors' Advice on Evidence 40:49 Sentences in the 70s 41:24 High-Level Enforcement in Philadelphia 42:44 Community Impact of Mass Arrests 44:06 Drug Dealers in Their Communities 45:02 Hardcore Dealers Like Herby Sperling 45:49 Modern Dealers Cut Deals 46:03 Talking to Kids About Drug Crimes 49:01 Mafia's Role in 70s Heroin Supply 51:02 The French Connection and Source Countries 53:26 Mafia Families and Drug Politics 54:26 Money Laundering in the 70s 55:50 Cash Seizures and Stash Houses 57:44 Counting Money in Miami Cases 01:00:10 Seeing Large Amounts of Cash 01:01:35 Case Without Drugs or Money 01:02:00 The American Gangster Case 01:02:57 The Manite and Quinine Investigation 01:04:36 Prosecuting with Circumstantial Evidence 01:06:24 Bringing Frank Lucas to Testify 01:08:00 Controversy Over Frank's Cooperation 01:09:05 The Importance of Truthful Testimony 01:09:57 Was Frank's Deal Worth It? 01:11:19 Frank Lucas's Charm and Success 01:13:30 Cooperating as a Business Decision 01:14:17 Frank's Witness Protection 01:15:16 Frank's Testimony Convicts Gang 01:16:39 Frank Lucas Calls Years Later 01:17:33 Sentencing Reduction for Frank 01:19:38 Frank's Murder Trial and Acquittal 01:21:07 Moving to Jamaica 01:21:47 Life in Jamaica as a Black American 01:24:15 Objective in Jamaica: Marijuana Smuggling 01:25:05 Cultural Experiences in Jamaica 01:27:16 US Embassy's Power and Opportunities 01:29:31 Extraditing Drug Traffickers 01:30:43 Liaison Work with Two Agents 01:32:39 Two Years in Jamaica, Then Miami 01:33:18 Supervising in Miami in the Cocaine Era 01:35:10 Undercover as a Supervisor 01:37:00 Violence and Dadeland Shootout 01:39:03 Two-Year Assignments and FBI Influence 01:41:11 Relationship with Local Cops 01:42:22 Personal Life and Career Demands 01:44:04 Returning to New York 01:45:30 Changes in the Drug Game 01:46:30 Evolution of Drugs: From Heroin to Fentanyl 01:49:01 Overdoses in the 90s 01:50:26 Running the New York Task Force 01:52:30 Improving Morale After Corruption Scandal 01:54:40 Impact of Truth-in-Sentencing 01:56:29 Moving Up in the DEA 01:58:53 Becoming Special Agent in Charge 01:59:58 Role as Special Agent in Charge 02:00:53 Politics and Law Enforcement 02:02:00 NYPD Ownership of the City 02:04:59 Toughest Challenge as SAC 02:09:40 Supervisor's Responsibility for Safety 02:12:52 Length of Tenure as SAC 02:13:45 Retiring from the DEA 02:14:54 Retirement Emotions 02:15:45 Missing the Brotherhood 02:16:39 Perspective 25 Years Post-Retirement 02:18:38 Reconnecting with the DEA and Chelsea Market 02:20:20 Technology vs. Human Relationships 02:21:10 Leadership and Morale 02:23:18 Fixing the Drug Problem 02:24:21 Advice to a 21-Year-Old 02:27:32 Closing Thoughts _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka

A young person can be highly capable and still struggle with things that seem like they should come easily. Lisa Marker-Robbins talks with Mark Talaga about giftedness, hidden challenges, self-awareness, and the skills young people need for greater independence.In this episode, Lisa and Mark discuss:Giftedness beyond academics and exceptional ability in different areasHidden challenges and asynchronous development behind unexpected strugglesIdentity, agency, and self-advocacy as young people gain independenceCareer development and personal growth through self-awareness and supportKey Takeaways: A young person may excel creatively, academically, athletically, or in another area while still having vulnerabilities that become more visible as expectations, contexts, or demands change.Parents can look at how a young person performs in specific situations rather than assuming strong performance in one context will transfer to another, such as creative writing versus structured school assignments.Self-awareness makes advocacy more effective by helping young people explain their needs, recognize where they struggle, and work with others to create practical supports.Executive functioning can continue developing throughout adulthood, and building a support network can help young people become more capable and independent. “Giftedness is not a number. It is more, ‘Wow, this kid does not seem to fit in on some level compared to their peers.'” – Mark TalagaAbout Mark Talaga: Mark Talaga, MA, LPC, is a licensed professional counselor, speaker, and founder of the Center for Identity Potential, where he works with gifted, twice-exceptional, and neurodivergent individuals and their families. With experience in mental health counseling and the video game industry, Mark offers insight into giftedness, motivation, anxiety, asynchronous development, screen time, and family dynamics. He also hosts the Hopelessly Gifted Podcast, exploring challenges facing gifted individuals and their families.Episode References:Learn more about Launch Career Clarity at https://flourishcoachingco.com/courseSample Birkman Report: https://flourishcoachingco.com/birkmanGet Lisa's Free on-demand video: THE CAREER IDENTIFICATION COMPASS: How To Be Certain Your 15 To 25 Year Old is On The Right Path to Launch With Confidence–Not Confusion: flourishcoachingco.com/video Connect with Mark:Instagram: https://www.instagram.com/hopelesslygiftedFacebook: https://www.facebook.com/hopelesslygiftedYouTube: https://www.youtube.com/@HopelesslyGiftedWebsite: https://www.centerforidentitypotential.com/Hopelessly Gifted Podcast: https://www.hopelesslygifted.com/LinkedIn: https://www.linkedin.com/in/marktalaga/Connect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

Hour 3 1:12 - JD5 @ 5: DQ Gets No JD5 Questions, DJ Pickett's INT & Ryan Leonard's Extension 15:37 - Is Chris Smarter Than a 12-Year Old? 26:41 - Did Bill Get Benched Sunday? 35:11 - Anthony is Going to His First Nationals Game of the Season

Eight true encounters with creatures that weren't animals. Real witnesses describe skinwalkers, dogmen and wolf-like creatures that stood upright, stared back, and were never explained. These were not simply animals, or even cryptids: witnesses describe something that behaved like a paranormal, non-human entity. These are NOT fictionalised horror stories. Every account here is a documented report of the unexplained, told in the witness's own words. And keep watching this episode to hear about the very spooky phone call Peter had, during the making of this. 00:00 – The Man Behind the Sofa: An Inhuman Introduction01:27 – The Bempton Cliffs Encounter: Military Witnesses to Standing Wolf06:21 – Flamborough Head: The Hound and the Infa-Red Camera09:53 – A Mysterious Coastal Connection: The Demonic Hound of KettleNess11:18 – The Static Voice: A Creepy Paranormal Phone Call I Had14:05 – The Highway to Vrådal: Norway's Leathery, Jointless Creature20:13 – The Mastiff of Mist: A 14-Year-Old's Terrifying Driveway Sight22:13 – The Floating Canine: A Severed Head on the Stairs 24:10 – The Hybrid Intruder: A Man Fused with a Black Dog27:31 – The Guardian Under the Lamp Post: Werewolf or Protector?31:14 – The Hospice Visitor: A Black Wolf at the Edge of Death35:19 – Beyond Biology: Are Dogman Sightings Interdimensional?39:57 – Join the Fog: Bonus Content & Patreon SupportSpecial thanks to writer and researcher Paul Sinclair, author of the Truth Proof series, for generously allowing us to feature two stories explored in Wolf Lands, use footage from the documentary's trailer, and for the fascinating conversations with Peter that helped shape this episode. You can discover more of Paul's work on the Truth Proof YouTube channel, @paulsinclairtruth-proof. (   / @paulsinclairtruth-proof  ) Watch Wolf Lands on Amazon Prime:US: https://www.amazon.com/Wolf-Lands-Pau... UK: https://www.amazon.co.uk/Wolf-Lands-P...Paul's web site: https://www.truthproof.uk/ Truth Proof eBay shop: https://www.ebay.co.uk/shop/truth-pro... Viewer StoriesThank-you to everyone whose strange and unsettling experiences featured in this episode:From our viewer's comments: @henningberg7975/@Sulraks - The Red-Eyed Creature on the Norwegian Road@Arthurshort6619 - The Dog That Turned to Black Bones and Mist @ericbarkmann1743 - The Floating Dog's Head on the Stairs @tegan8523 - The Half-Dog Man Behind the Sofa Kimberly Brennan - The Dogman Beneath the Streetlight, shared on Peter's PatreonWaady - The Black Dog at the Hospice Bedsides, shared by emailHave a genuine experience to share? Submit it here: https://bit.ly/ITF-YourStoryEditorGerard Giorgi-CollArtwork and Research AssistanceSteph Lay Illustration Credits Footage from Paul Sinclair's YouTube channel: @paulsinclairtruth-proofFootage from Wolf Lands: A Film About the Cryptid Phenomena by Paul Sinclair and Les Drake: Lightform Media, 2023; courtesy of Paul Sinclair and used with permissionCover images from Paul Sinclair's Truth Proof series: Psychic Book Club Publishing and Truth Proof Publishing, 2016–2021Cover image from Wolf Lands: Lightform Media / Amazon Prime, 2023Photograph of Flamborough Lighthouse and the Outer Headlands Cliffs, 2025: Steph LayPhotograph of Reverend Donald Omand: from Marc Alexander, Devil Hunter, Sphere, 1981; lightly enhanced for clarityMaps showing the locations of the North Yorkshire sightings: Google Earth; map data © 2026 Google data: SIO, NOAA, U.S. Navy, NGA and GEBCO; imagery: Landsat / CopernicusImage from Reverend Abraham Fleming's 1577 account of the ghostly Black Shuck at Bungay Church: Public Domain, via Wikimedia CommonsOriginal painting of Black Shuck by Bethan Briggs-Miller. Discover more of Bethan's atmospheric folklore art here:   / bethanbriggsmillerart  Find me on Patreon: www.patreon.com/peterlaws

Naked Burger King Delivery: Be wary of the people delivering your food as they may just show up completely naked.MrChildPorn Arrested: He's been hiding in plain sight all along! But they finally got him! Also WNBA players accuse people of being gay.Fart Corner: A teacher goes viral for her fart corner teaching style and Jared Padalecki has to apologize for giving Perez Hilton well wishes.FUCK YOU WATCH THIS!, THE BEAR!, WHAT'S SO FUNNY ABOUT PEACE, LOVE AND UNDERSTANDING!, ELVIS COSTELLO!, EMO!, METRO SEXUAL!, CATCH UP!, EATING!, EAST COAST MATT!, 22 OATH!, CHARACTER!, VOICE!, THAT'S AN ORDER!, DOCTOR'S NOTE!, CHARLIE KIRK!, THE NEWS!, PODCAST!, DOORDASH DELIVERY!, NAKED DELIVERY DRIVER!, RING CAMERA FOOTAGE!, BURGER KING DELIVERY!, GLIZZY!, RING DOORBELL!, WOULD YOU EAT FOOD!?, HECK YEA!, HECK NO!, GTA VI DICK WATCH!, HALLOWEEN PRE-ORDER!, CUM DRUNK!, THE 3 JEFFS PART 2!, MAYO!, DRIVER NOTES!, DISCORD USER!, MRCHILDPORN!, TROLLING?!, RAGE BAIT!, PEDO!, MRTOXICS!, ADAM ANT!, GARY GLITTER!, ROCK AND ROLL PART 2!, GOODY TWO SHOWS!, WNBA!, DILDOS!, COURT!, PRESS CONFERENCE!, GAY!, HOMOPHOBIC!?, JUELZ SANTANA!, VEGAS!, SAUCY SANTANA!, ROB THOMAS!, FUCK MY CAR!, MUSIC VIDEO!, YN!, OG!, CZAR!, PEREZ HILTON!, JARED PADALECKI!, ASKING FOR IT!, DEPRESSION!, WELL WISHES!, SUICIDAL!, 90 YEAR OLD!, FART CORNER!, TEACHER!, TIKTOK!, EMBARRASSING!, TEACHER ALGO!, DARK KNIGHT!, STAND IN THE FART CORNER!, NO REASON!, ANXIETY!You can find the videos from this episode at our Discord RIGHT HERE!

As young people gain independence, recognizing risk becomes an important part of staying safe. In this episode, Lisa Marker-Robbins talks with S. Gale Bleth about personal safety, situational awareness, and the A.W.A.R.E. Method for building safer habits without limiting independence.In this episode, Lisa and Gale discuss:Building independence while helping young people develop practical safety habitsSituational awareness and everyday risks people may overlookThe A.W.A.R.E. Method for decision-making in unfamiliar situationsPreparing for situations that may escalate beyond awarenessKey Takeaways: Phone use can reduce situational awareness, making it easier to miss risks in places like parking lots while also exposing personal information through social media.The Cooper Color Code of awareness shows how awareness shifts from unawareness in white to heightened awareness in orange and immediate danger in red, while freezing can happen when someone is unprepared.The A.W.A.R.E. method turns awareness into a sequence of actions: be alert, watch, assess, respond, and escape before self-defense becomes necessary.Parents can build safety awareness through stories and real-life scenarios, helping young people think through choices around parties, driving, parking lots, and other situations without relying on lectures. “If you understand to just be aware, then you don't need to be paranoid, because you're going to know what to do if something happens.” – S. Gale BlethAbout S. Gale Bleth: Gale Bleth's career has been built around one mission: helping people stay safe without living in fear. Born in Oakland, California, and raised in a military family, she built her career in education, leadership, and public safety. She spent sixteen years at California State University, East Bay, and sixteen years as a Crime Prevention Specialist with the Hayward Police Department. Since 2000, she has been a certified R.A.D. Systems self-defense instructor, teaching people to recognize danger, trust their instincts, and respond effectively.Episode References:The R.A.D. Systems of Self Defense: https://www.rad-systems.com/Learn more about Launch Career Clarity at https://flourishcoachingco.com/courseGet Lisa's Free on-demand video: THE CAREER IDENTIFICATION COMPASS: How To Be Certain Your 15 To 25 Year Old is On The Right Path to Launch With Confidence–Not Confusion: flourishcoachingco.com/video Connect with Gale:Book: A.W.A.R.E.: A Personal Safety Playbook for Leaving the Nest: https://www.amazon.com/W-R-Personal-Playbook-Leaving/dp/1544551304/Instagram: https://www.instagram.com/stayaware_sgb/Website: https://www.stay-aware.com/LinkedIn: https://www.linkedin.com/in/sgaleblethConnect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

Send us Fan MailWhat helps kids keep talking to their parents—even when the subject is awkward, uncomfortable, or potentially alarming?Mandy welcomes her son Carter back to the podcast just days before he leaves for college. Carter gives parents an honest look at the digital and cultural pressures young people are facing today, including sports gambling, online gaming, sexualized content, locker room culture, explicit music, and the pressure boys feel to hide their emotions in a world with so many competing definitions of what it means to be “masculine.” Together, Mandy and Carter reflect on the choices that helped build trust in their relationship—from introducing gaming privileges in stages to listening calmly when Carter brought them something concerning. They also discuss the importance of teaching children to protect their hearts and minds, helping them find a strong Christian community, and guiding them without trying to control every decision.Parents cannot remove every harmful influence their children will encounter, but they can become a safe place where their children process those experiences.Connect with The nextTalk Parent Podcast:Website: https://nextTalk.org/Facebook: https://www.facebook.com/nextTalkInstagram: https://www.instagram.com/nextTalkorg/YouTube: https://www.youtube.com/@nextTalkorgFree Guides Here: For Churches & Christian Families - nextTalk Additional Episodes:Protect Heart & Mind - nextTalk: https://nexttalk.org/podcast_episode/protect-heart-mind/Teach Red Flag Reporting - nextTalk: https://nexttalk.org/podcast_episode/teach-red-flag-reporting/Online Gambling and Teens: A Parent Conversation - nextTalk: https://nexttalk.org/podcast_episode/online-gambling-teens/Parent Question: I hate my kid's music. What should I do? - nextTalk: https://nexttalk.org/podcast_episode/parent-question-i-hate-my-kids-music-what-should-i-do/16 Year Old's Suicide from Sextortion.How do we protect our kids? - nextTalk: https://nexttalk.org/podcast_episode/16-year-olds-suicide-from-sextortion-how-do-we-protect-our-kids/Sex Abuse: Boys are Victims Too - nextTalk: https://nexttalk.org/podcast_episode/sex-abuse-boys-are-victims-too/Brian Montgomery: A Candid Conversation about Porn - nextTalk: https://nexttalk.org/podcast_episode/brian-montgomery-a-candid-conversation-about-porn/Parent Question: This world is so sexualized. How do I approach these conversations with my son? - nextTalk: https://nexttalk.org/podcast_episode/parent-question-this-world-is-so-sexualized-how-do-i-approach-these-conversations-with-my-son/Support the showKEEPING KIDS SAFE ONLINEConnect with us...www.nextTalk.orgFacebookInstagramContact Us...admin@nextTalk.orgP.O. BOX 160111 San Antonio, TX 78280

Dr. Jack Kreindler joins the show to discuss longevity, human performance, physiological medicine, and what it truly takes to preserve vitality as we age. Together, we explore why longevity should go beyond disease prevention and quick fixes to focus on building the physical capacity, resilience, and independence needed to thrive throughout life.We dive into:Redefining longevity around vitality, healthspan, and physiological capacityWhat extreme environments and human performance science can teach us about agingUsing VO2 max, body composition, and functional assessments to understand health trajectoriesWhy treating everyday patients more like athletes can support long-term performanceBuilding strength, mobility, and resilience to maintain independence with ageWhy foundational physiology should come before peptides and other longevity interventionsGLP-1s, emerging therapies, and the importance of thoughtful risk managementThe limitations of quick fixes and longevity trends popularized on social mediaHow clinicians can incorporate performance science and physiological medicine into patient careWhy preserving physical and cognitive function is central to a meaningful approach to longevity

Helping a young person succeed can sometimes keep them from becoming independent.In this episode, Lisa Marker-Robbins and Jason Robinovitz examine how support can either build independence in teens and young adults or unintentionally get in its way.In this episode, Lisa and Jason discuss:The expectations young people face as they move into college, work, and adulthoodWhat individualized education can reveal about preparing students for life beyond the classroomThe tension between protecting young people from difficulty and giving them room to build confidenceWhy independence matters more than simply reaching the next academic or career milestoneKey Takeaways: Support should help young people develop strategies they can eventually use on their own, with the goal of reducing outside assistance over time.Accommodations can remove barriers, but young people still need to build the skills and confidence to handle challenges independently.Parents can unintentionally weaken independence by taking over homework, applications, or other responsibilities their children need to learn to manage themselves.A useful measure of parenting progress is whether a young person needs their parents a little less each day, even when giving them that freedom feels uncomfortable. “The problem is that the point of accommodations, in my opinion, is to help you get through something, but ultimately you need to get over your accommodations.” – Jason RobinovitzAbout Jason Robinovitz: Jason Robinovitz is the CEO/COO & General Counsel of Score At The Top Learning Centers, Score Academy, and JRA Educational Consulting, a family-owned education organization serving South Florida since 1980. A University of Denver and Emory University School of Law graduate, he began his career as a medical malpractice attorney before joining the family business. He has since led its growth, overseeing operations, staffing, training, marketing, technology, and compliance. As a dyslexic and ADHD learner, Jason advocates for personalized learning environments that prepare students for the real world, not just the next test.Episode References:Learn more about Launch Career Clarity at https://flourishcoachingco.com/course#002 Julie Lythcott-Haims on How to Raise an Adult: https://flourishcoachingco.com/002Get Lisa's Free on-demand video: THE CAREER IDENTIFICATION COMPASS: How To Be Certain Your 15 To 25 Year Old is On The Right Path to Launch With Confidence–Not Confusion: flourishcoachingco.com/video Connect with Jason:Twitter: https://x.com/scoreatthetopInstagram: https://www.instagram.com/scoreatthetop/Facebook: https://www.facebook.com/scoreatthetop/LinkedIn: https://www.linkedin.com/in/jasonrobinovitzWebsite: https://www.scoreatthetop.com/Connect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

Welcome to The Daily Wrap Up, an in-depth investigatory show dedicated to bringing you the most relevant independent news, as we see it, from the last 24 hours (8/22/26). As always, take the information discussed in the video below and research it for yourself, and come to your own conclusions. Anyone telling you what the truth is, or claiming they have the answer, is likely leading you astray, for one reason or another. Stay Vigilant. !function(r,u,m,b,l,e){r._Rumble=b,r[b]||(r[b]=function(){(r[b]._=r[b]._||[]).push(arguments);if(r[b]._.length==1){l=u.createElement(m),e=u.getElementsByTagName(m)[0],l.async=1,l.src="https://rumble.com/embedJS/u2q643"+(arguments[1].video?'.'+arguments[1].video:'')+"/?url="+encodeURIComponent(location.href)+"&args="+encodeURIComponent(JSON.stringify([].slice.apply(arguments))),e.parentNode.insertBefore(l,e)}})}(window, document, "script", "Rumble");   Rumble("play", {"video":"v7ccik8","div":"rumble_v7ccik8"}); Source Links (In Chronological Order): (19) Independent Media Token (@imt_network) / X New Tab The Last American Vagabond on X: "And now you deleted the post @L08818? But I thought you were certain, and I was an "un-American piece of excrement" for believing that anarchism has value?" / X Page not found / X SheThinksFreely (@L08818) / X Polly St. George on X: "@TLAVagabond @L08818 while the official definition doesn't include chaos in the model, the actual result would be chaos until new hierarchies are established." / X The Last American Vagabond on X: "@FringeViews @L08818 Sure. Clearly I am the issue here. https://t.co/yPORFHcS8t" / X Larken Rose Interview - The Illusion Of Authority & The Collapse Of The Two Party Paradigm The Most Dangerous Superstition by Larken Rose [Audio book] - YouTube AnarClips on X: "LARKEN ROSE - WHAT IS ANARCHY? #ANARCHY #ANARCHISM #ANARCHISTS https://t.co/mZSbenQPwd" / X (1) AnarClips on X: "LARKEN ROSE on ANTI-GOVERNMENT vs. GOVERNMENT WORSHIPING DUPES #ANARCHISM #ANARCHY #LIBERTY @LarkenRose https://t.co/WVAobH0KbL" / X New Tab (1) Slow News Day on X: "They might not be dead, but this rally is clearly being held in God's Waiting Room" / X (5) JOKAMRREDPILLZ on X: "They calling Trump out.

In Keep Canada Weird Jordan and Aaron Airport explore the weird and offbeat Canadian news stories from the past week. In this episode your hosts discuss; The Erroneous Influencer vs. the Zipline the 92 Year Old's Hole in One The Great Canadian Roblox Heist The Hottest License Plate in Florida Series Links Keep Canada Weird Series: https://www.thecanadiangothic.com/keep-canada-weird Send a voice memo: www.thecanadiangothic.com/contact Join the Keep Canada Weird Discussion Group: https://www.facebook.com/groups/keepcanadaweird Provide feedback and comments on the episode: thecanadiangothic.com/contact Subscribe to the show: thecanadiangothic.com/subscribe Contact: Website: https://www.thecanadiangothic.com Facebook: https://www.facebook.com/TheCanadianGothic Instagram: https://www.instagram.com/thecanadiangothic/ Support the show: https://www.patreon.com/thecanadiangothic Learn more about your ad choices. Visit megaphone.fm/adchoices

In Keep Canada Weird Jordan and Aaron Airport explore the weird and offbeat Canadian news stories from the past week. In this episode your hosts discuss; The Erroneous Influencer vs. the Zipline the 92 Year Old's Hole in One The Great Canadian Roblox Heist The Hottest License Plate in Florida Series Links Keep Canada Weird Series: https://www.thecanadiangothic.com/keep-canada-weird Send a voice memo: www.thecanadiangothic.com/contact Join the Keep Canada Weird Discussion Group: https://www.facebook.com/groups/keepcanadaweird Provide feedback and comments on the episode: thecanadiangothic.com/contact Subscribe to the show: thecanadiangothic.com/subscribe Contact: Website: https://www.thecanadiangothic.com Facebook: https://www.facebook.com/TheCanadianGothic Instagram: https://www.instagram.com/thecanadiangothic/ Support the show: https://www.patreon.com/thecanadiangothic Learn more about your ad choices. Visit megaphone.fm/adchoices

081926 Hind Rajab, IDF Admits Killing 5 Year Old, Family and Responders in Gaza, Congestion Pricing in NYC by The News with Paul DeRienzo

When does investing in your growth stop serving you — and start draining your finances?In this coaching conversation, Linzy sits down with Money Skills for Therapists graduate Katie Grant to explore how the constant drive to become a "better" therapist has turned professional development into a financial leak in their business.Together, they uncover the deeper story behind Katie's need to accumulate education and chase achievement, and they find a grounded path forward — one that supports Katie's continued learning and financial wellbeing.If you're a high achiever, perfectionist, or therapist who always feels like you should know more, this episode is for you.Timestamps:04:25 - How Profit First Made the Debt Visible09:45 - Professional Development as a Financial Leak13:15 - The Childhood Roots of Needing to Be the Best17:47 - When Achieving Becomes the Downfall24:41 - The 12-Year-Old with the Checkbook26:58 - Bringing an Adult Money Part into Purchase Decisions28:01 - Turning Caregiving Energy Toward Herself30:51 - A Separate Profit First Account for Professional Development38:26 - Running the Numbers Before Making a Drastic MoveRelated episode: Episode 155FF - Making Better Decisions About Professional DevelopmentWant to feel more calm and confident about your money? Join one of Linzy's online workshops for private practice owners to shift your money mindset, transform your relationship with money, and gain practical tools and strategies to manage your business finances with greater clarity and ease. Explore upcoming workshops and sign up to save your spot or register to receive the replay.You can also join the private WhatsApp community to connect with other therapists, health practitioners, and listeners of Money Skills for Therapists: The Podcast. Submit your request to join the community today.If you want dedicated coaching and support with your solo practice finances, join the Money Skills for Therapists waitlist to hear when enrollment opens.Meet Katie Grant:Katie Grant, MS, LCPC, LMHC, LPC, is a queer and neurodivergent trauma therapist with 20 years of experience and postgraduate training, with concentrations in EMDR Therapy, complex trauma, and dissociation. Katie is an EMDRIA Approved EMDR Therapist and Approved Consultant. She is passionate about providing affirming therapy to LGBTQIAP+ and neurodivergent clients, including those who are Autistic or ADH.Katie was diagnosed with ADHD at age 37, when she was also thrilled to find that she no longer qualified for a PTSD diagnosis. Early in their career, Katie realized that she would not function optimally in agency settings that normalized overscheduling and underserving. She opened a solo private practice in 2013 and currently operates out of Davenport, Iowa.Katie is licensed as a counselor in Iowa, Illinois, and Wisconsin. They believe the very best therapists are those who also attend therapy and continually work on improving their own awareness and wellbeing.Connect with Katie:Counseling websiteFacebookInstagramJust Another Fucking Growth OpportunityJAFGO InstagramAbout Linzy Bonham:Linzy Bonham is a therapist turned money coach who helps private practice owners and health professionals feel calm, confident, and in control of their finances through her podcast, free workshops, and comprehensive programs: Money Skills for Therapists and Money Skills for Group Practice Owners. You can learn more about Linzy here.Connect with Linzy:LinkedInInstagramFacebook

It's a Kayfabe Wrestling Talk meets The Dirty Glass Podcast crossover!

The Whiskey Hotline isn't just whiskey; it's specialty spirits from around the globe. And also, whiskey/whisky of course. This week, Dan stops by with new releases from Scotland, Kentucky, Vermont, Kentucky, Virginia, Kentucky, Indiana, Kentucky, Scotland and France CRN 57 Vision Speyside Blended Malt CRN 57 12-Year-Old Speyside Blended Malt CRN 57 18-Year-Old Speyside Blended Malt CRN 57 25-Year-Old Speyside Blended Malt CRN 57 30-Year-Old Speyside Blended Malt Chicken Cock Old Glory Kentucky Straight Rye Blended with Laird's Apple Brandy WhistlePig Single Finish Bespoke 12-Year-Old Rye Os Rostrale Finished in ex-Monbazillac Binny's Handpicked Gambit No. 6 Kentucky Straight Bourbon Finished in Wine, Apple Brand, Sherry and Tokaji Casks Virginia Distillery Company 7-Year-Old American Single Malt Cigar Blend Four Roses 100 Proof Kentucky Straight Bourbon Remus Distiller's Vault Series 9-Year-Old Straight Whiskey Binny's Handpicked Sazerac 125 Proof Straight Rye Kilchoman Loch Gorm 10-Year-Old ex-Sherry Cask Islay Single Malt Release 2026 La Gauloise Green La Gauloise Yellow If you have a question for the Barrel to Bottle Crew, email us at comments@binnys.com, or reach out to us on Facebook, Twitter or Instagram. If we answer your question during a podcast, you'll get a $20 Binny's Gift Card! If you like our podcast, subscribe wherever you download podcasts. Rate and review us on Apple Podcasts.  

Happy CoreyVersary: What is the CoreyVersary? How did we get here? In a time of celebration, we take a look back.The Birthday Bash: We kept it secret but we went to the Corey Feldman Birthday Bash! We have seen the Goblin Ghoul LIVE and we have a full report.Fleetwood Mac The Chain and The Jacket: One of the many crash outs involved a Fleetwood Mac cover and Corey losing his grandfather's war jacket, then having it found and making a 108 year old woman be on stage while he screams at her.COREY FELDMAN!, SHOW STOPPER!, LET'S JUST TALK!, DON CHEADLE!, BOOGIE NIGHTS!, JIM AND THEM IS POP CULTURE!, COREY FELDMAN SHOW!, REAL ONES!, PO BOX!, ALL DAY GOONS!, COREYVERSARY!, CELEBRATION!, 2 YEARS OF WEEKLY COREY!, ZOUP!, CURSED MANUSCRIPT!, EVERY WEEK!, LOSERVILLE!, SUMMER 2024!, MATTHEW!, SUPERCHATS!, AXE TO GRIND!, HINTS!, CONVINCING!, GET ON BOARD!, AMOUNT OF FUN!, ROLL DEEP!, ROB DUKES!, EXODUS!, NATALIE MAINES!, THE CHICKS!, DEAN!, ANAHEIM!, GARDEN AMP!, CONCERT!, MORAL HIGHGROUND!, TRUST!, KICKED OUT!, EXPECTATIONS!, TICKETS!, BLOCKED!, DENIED!, ADRIEN SKYE!, ADRIEN AGE CHECK!, BOX SET!, LAST BOX SET!, COVER SONGS!, SABRINA CARPENTER!, BENTLEY!, GREGG!, PHIL THE ARTIST!, WHAT AM I HERE 4!?, OPENER!, COMEBACK KING!, FUCKS UP!, FAKE OUT!, ATTITUDE!, CHANGE UP!, DANCING WITH THE STARS!, ROCK ENDING!, SOMETHING IN YOUR EYES!, ASCENSION MILLENNIUM!, CHARACTERS!, METAL BABY HOOK!, THE CHAIN!, COVER!, FLEETWOOD MAC!, OFF KEY!, MISSING CUE!, PROFESSIONAL!, PINK FLOYD!, JACKET!, MISSING!, RISA!, 108 YEAR OLD!, RETRO ROCK!, EDOC!, JUMP BACK BLACK CAT REMIX!You can find the videos from this episode at our Discord RIGHT HERE!

What an 83-Year-Old's Daily Habits Reveal About Aging   Most people assume chronic disease is just a normal part of getting older. Michael Dorfman, an 83 year old health and nutrition coach, has spent the last 18 years proving otherwise, and he's still playing competitive pickleball to show for it. If you've ever wondered whether it's too late to change your trajectory, or whether the version of aging you've been told to expect is the only one available, this episode will reframe the question entirely.   In This Episode: Why chronic disease usually starts decades before it's diagnosed, not the year it shows up The friend's heart disease reversal that changed the direction of Michael's life and work Why doctors are trained for sick care, not health care, and what that means for your decisions What the Blue Zones research actually found in common across five unrelated places on earth Why fiber, not protein, is the real deficiency in most people's diets The daily practices Michael uses now: breathwork, intermittent fasting, cold and hot therapy, and movement over formal exercise What changed when Michael stopped judging his father, and what that taught him about everyone else   Key Insights: The body keeps a record long before symptoms appear. Type 2 diabetes in children and colon cancer in men under 50 are signs the timeline has shifted, not random bad luck. A surgeon's job is surgery. Lifestyle medicine is rarely part of the training, which means the responsibility for prevention sits with you, not your doctor. The Blue Zones populations didn't exercise in the way we think of it. Their environments simply required constant, ordinary movement. Letting go of judgment, of a parent, a stranger, a different point of view, was one of the latest and most valuable lessons of Michael's life.   About Michael Dorfman: Michael J. Dorfman is an 83-year-old certified Health & Nutrition Life Coach, investigative author, and thriving example of plant-based longevity. Based in San Miguel de Allende, Mexico, he has spent the last 17+ years living—and coaching—on how to age vibrantly without chronic disease. Michael adopted a vegetarian diet in 1976, transitioned to a whole-food, plant-based lifestyle in 2008, and earned his certification in Plant-Based Nutrition in 2019. His book, The Thriving Vegan, exposes how the food and pharmaceutical industries mislead the public—and how individuals can reclaim their health. In his latest book, The Longevity Wellness Revolution, Michael shares practical tools from the Blue Zones, as well as his discoveries, including breathwork, intermittent fasting, stress reduction, and more. He's passionate about showing that it's never too late to live with energy, purpose, and joy.   Links: Website: https://longevitywellnessrevolution.com/ Facebook: https://www.facebook.com/michael.dorfman.353/ Instagram: https://www.instagram.com/thrivingvegan1/ X: https://x.com/readmide Substack: https://substack.com/mike82   Watch the full episode on YouTube: https://www.youtube.com/@richersoul Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening! Show Sponsor: http://profitcomesfirst.com/ Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro appointment 15 minutes If you like the show please leave a review on iTunes: http://bit.do/richersoul https://www.facebook.com/richersoul http://richersoul.com/ rocky@richersoul.com Some music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs. 

Parents often assume their teen's school counselor can handle every part of the college planning process, but the reality is far more collaborative.In this episode, Lisa Marker-Robbins and Stephanie Simpson, CEO of the Independent Educational Consultants Association (IECA), explore how the right team and a foundation of self-awareness can help students make thoughtful college decisions.In this episode, Lisa and Stephanie discuss:How school counselors, independent educational consultants, and families each contribute to college planningWhy self-awareness should guide college and career decisions from the startWhen outside college planning support can benefit students and familiesWhat to consider when choosing an independent educational consultantKey Takeaways: Start career and identity exploration before college applications so students make decisions based on who they are, not deadlines.Independent educational consultants help students present their authentic story and find the right college fit, not improve their admissions odds.Many begin in junior year; starting by sophomore year creates more time for thoughtful course selection, extracurriculars, and summer opportunities.Choose an independent educational consultant whose expertise matches your student's needs and complements the school counselor's support. “Independent means that these counselors do not receive any compensation from a program, school, or university to place or recommend a student, so they really can provide that unbiased advice.” – Stephanie SimpsonAbout Stephanie Simpson: Stephanie Simpson is the Chief Executive Officer of IECA, the leading professional organization for independent educational consultants supporting students and families through college and career planning. Previously, she led the Association for Middle Level Education (AMLE) and held senior leadership roles at the American College of Cardiology and the American Psychiatric Association. She holds a JD from Northwestern University Pritzker School of Law and a BA from DePaul University.Episode References:Learn more about Launch Career Clarity at https://flourishcoachingco.com/courseFind a Private College Counselor: https://www.iecaonline.com/independent-educational-consultant-search/#230 Stop Trying to Impress Colleges: What Admissions Really Want with Susan Knoppow: https://flourishcoachingco.com/230Get Lisa's Free on-demand video: THE CAREER IDENTIFICATION COMPASS: How To Be Certain Your 15 To 25 Year Old is On The Right Path to Launch With Confidence–Not Confusion: flourishcoachingco.com/video Connect with Stephanie:Website: https://www.iecaonline.com/LinkedIn: https://www.linkedin.com/in/stephanie-simpson-49bba72a/Connect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

The AI trade might have found its canary in the coal mine. Leopold Aschenbrenner—a 25-year-old former OpenAI researcher built Situational Awareness into one of the hottest funds on Wall Street by betting long on the construction and infrastructure side of AI (Micron, CoreWeave) and short on the chips and software everyone else was chasing (Nvidia, Broadcom, Oracle). Then July happened, prime brokers made margin calls, and his entire public stock book got liquidated overnight in a single block trade. This episode uses that blowup as the lens for a much bigger story: how a three-quarters-of-a-trillion-dollar hyperscaler spending pledge is propping up U.S. GDP growth, why OpenAI just quietly cut prices as “tokenmaxxing” dies and Chinese labs undercut on cost, why Mark Zuckerberg picked a fight with OpenAI and Anthropic, how overleveraged Oracle has become, how the most profitable companies in the world are posting negative free cash flow, why hyperscaler bonds are going undersubscribed, and why the length of this year’s tech bond issuance is starting to crowd out the rest of the corporate debt market. It closes with the 2008 parallel: mortgage-backed securities stacked into CDOs stacked into synthetic swaps, and how today’s version runs through corporate bonds, CLOs, hedge fund leverage, and private credit—with Treasuries as the eventual exit ramp when the unwind accelerates. Resources Analysis Atlas: Hyperscaler AI Capex 2026: The $710 Billion Year Inside the Four Spenders J.P. Morgan Asset Management: How AI demand and capex shape investing in tech stocks New York Times: U.S. Economy Slows as Inflation Bites U.S. Bureau of Economic Analysis (BEA): GDP (Advance Estimate), 2nd Quarter 2026 CNBC: OpenAI cuts prices for two of its GPT-5.6 AI models as companies grow sensitive to costs Business Insider: The All-You-Can-Eat AI Era Is Over. It’s Time to Count Calories CNBC: Chinese AI models are gaining ground with U.S. companies as OpenAI, Anthropic costs surge The New York Times: Even China’s A.I. Powerhouses Can’t Figure Out How to Profit Off A.I. CNBC: Meta’s flurry of AI initiatives this month hasn’t helped lift the stock. What will? The Hill: Zuckerberg knocks AI development centralization, control Buttondown: D.A.D.: Zuckerberg Blasts Anthropic and OpenAI for “Centralizing” AI Power Reuters: AI investment boom puts Big Tech’s free cash flow under pressure CNBC: Bets against SpaceX grow to 32% of float as Elon Musk warns short sellers won’t survive Yahoo! Finance: NVIDIA’s rising CDS the talk of Wall Street amid circular financing fears Bloomberg: Big Tech Debt Flood Is Taking Over Risk In Market: Credit Weekly CNBC: Fed meeting recap: Warsh says Fed won’t hesitate to stop inflation, but bond market has doubts CNN: AI investor Leopold Aschenbrenner forced to unwind all public stock positions after steep losses, sources say Yahoo! Finance: Hyperscalers Hit $700 Billion in 2026 AI Spending Plans - 24/7 Wall St. Global Finance Magazine: AI’s Financial Circle Game Reuters: Hyperscaler debt binge pushes yields up as investor demand cools UNFTR Resources Video: Situational Awareness: How a 25-Year-Old's Hedge Fund Exposed the Entire AI Bubble. Essay: The Great Unwind. -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility.Support the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

This week we went deep on debt—all $72 trillion of it—and made the case that the bond market is the real economy, that the Fed has already lost control of the entire curve, and that when the AI trade unwinds, the flood into Treasuries won’t save anyone the way the textbook says it should. Then we watched Japan demonstrate in real time what happens when you don’t have the exorbitant privilege of issuing the world’s reserve currency. A 40-year low for the yen, Japan spending $87 billion in two days trying to hold it together, and the U.S. quietly intervening not out of friendship, but because Japan’s dumping Treasuries would torch our bond market at the worst possible moment. Chapters Intro: 00:00:38 Quick Takes: 00:01:33 Max Notes: 00:07:34 Killer Left Take of the Week: 00:24:44 Chart of the Week: 00:27:02 Headlines: 00:30:56 Outro: 00:32:23 Resources Fox News: Carville vows to FLEE Dem Party over Hasan Piker: ‘Out of here’ Forbes Breaking News: Trump Gives Update On Talks With Iran Forbes Breaking News: Sparks Fly When RFK Jr. Is Pressed On Vaccines, Pandemic Prevention During CNN Interview NBC News: Trump: Jeanine Pirro ‘made a mistake’ dropping Reflecting Pool vandalism case The Thomas Crown Affair CNBC: AI investor Leopold Aschenbrenner forced to unwind all public stock positions after steep losses, sources say Federal Reserve Bank of New York: Household Debt and Credit Report (Q1 2026) Board of Governors of the Federal Reserve System: Financial Accounts of the United States - Z.1 FiscalData: What is the national debt? SIFMA: US Treasury Securities Statistics Fortune: U.S. national debt officially hits $39 trillion—adding approximately $5 billion a day since October Nippon: Japan Govt Worsens Debt-to-GDP Ratio Estimate for FY 2026 Financial Stability Board: Report on Vulnerabilities in Private Credit Board of Governors of the Federal Reserve System: Implementation Note issued June 17, 2026 U.S. Department of the Treasury: Daily Treasury Rates TFTC: Treasury Sells $139B in Polar-Opposite Auctions: 2Y Soars, 5Y Craters MS Now: ‘Don’t be surprised when this gets kind of ugly’: El-Sayed on hotly contested MI Senate primary Bloomberg Television: Trump Revives Hopes for Iran Deal, Oil Sinks | Insight with Haslinda Amin 8/03/2026 Bloomberg: Why Japan Is Propping Up the Yen With US Help Bloomberg: BOJ Data Point to $34 Billion Japan FX Intervention Friday MacroMicro: World - Major Economies’ Holdings of US Debt The Japan Times: Yen carry trade is a ‘ticking time bomb,’ warns BCA research Forever Wars: The Markets Matter For War—You Don’t The American Prospect: The AI Bailout Could Be Baked Into the AI Bubble Jacobin: Centrist Democrats Keep Making Awful Health Reform Proposals UNFTR Resources Video: On The Record 08-04-26 (The Yen Bailout, RFK Jr. Fail, and the $72 Trillion Debt.) Essay: The $72 Trillion Debt Problem. Video: Situational Awareness: How a 25-Year-Old’s Hedge Fund Exposed the Entire AI Bubble. -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibilitySupport the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

Maybe it's been months. Maybe it's been years. And in this season, it's taken longer than you thought — and now the negative thoughts are creeping in. In this episode, you'll learn how to break free from the pregnancy announcement comparison trap, the exact question to ask God that will change how you approach your fertility, and why waiting on His timing doesn't mean doing nothing at all. Grab Rise & Source in the show notes and get instant access to the Conception Connection. Full show notes + resources: [link to blog post on fruitfulfertilityco.com] (00:00) Intro — When the Wait Feels Longer Than You Expected (01:07) A 41-Year-Old's Positive Pregnancy Test After 2 Months on Rise & Source (02:15) Why You Need to Ask God for Confirmation Over Your Fertility (The Gideon Story) (05:29) Breaking Free From the Pregnancy Announcement Comparison Trap (07:51) How to Be Your Own Fertility Advocate (What Letrozole Actually Does) (10:16) Why You Can't Miss God's Timing for Your Baby (12:32) Waiting on God Doesn't Mean Doing Nothing — Faith Has Footsteps (14:51) Choosing the Right Fertility Community Over Isolation (17:10) Why Your Baby Can't Become Your Idol (19:33) Recap + Next Steps Top Listener Questions Answered: Can waiting too long to get pregnant mean I missed God's timing? How do I stop comparing my fertility journey to other people getting pregnant? Keywords: Christian fertility, trying to conceive, get pregnant naturally, unexplained fertility struggles, natural fertility support   Unexplained Infertility Breakthrough Masterclass Free masterclass   Grab the Low Progesterone Playbook Get it here   Shop my favorite fertility boosting supplements Rise + Source Let's work together: Work with me    DM me on Instagram: @fruitfulfertilityco

Taking a weekend course can make you see tongue posture, restricted movement, and mouth breathing everywhere you look. But recognizing a pattern is vastly different from truly understanding it.In this solo episode, Hallie Bulkin addresses "The Myo Gap" - the space between noticing an isolated anatomical finding and developing the clinical depth to understand how it fits into a child's connected, multi-system picture. She unpacks why a restricted frenulum or forward resting tongue is merely a data point rather than an automatic diagnosis or treatment plan, and explains how shallow understanding leads clinicians to jump directly to conclusions, quick referrals, or "cookbook" exercises.Hallie breaks down how to conduct a deeper assessment by analyzing real-time compensations, motor coordination, sensory processing, and overall physical development. You'll learn why true clinical competence often leads to making fewer but far more valuable referrals, how to navigate honest parent conversations without false certainty, and why real clinical judgment requires mentored practice over quick information.Key Topics & TakeawaysThe "Sensitization" Trap: How new clinical learning creates pattern-recognition bias where every finding looks like the primary root cause.Observation vs. Diagnosis: Why a restricted frenulum or forward tongue posture is an initial observation point, not an immediate reason to prescribe exercises or surgical releases.Reading the Connected System: How to evaluate tongue function relative to jaw mechanics, lip seals, nasal breathing, overall muscle tone, sensory processing, and motor coordination.Selective, Value-Driven Referrals: Why advanced clinical discernment leads to fewer automatic referrals for releases and results in clearer, function-based communication with ENTs, dentists, and surgeons.Honest Parent Conversations: The shift from presenting false certainty ("Your child has a tie, so they need a release") to leading transparent, nuanced clinical discussions.Soundbites"Recognizing a pattern can feel a lot like understanding it before the depth is actually there. An observation is not a diagnosis, and it's definitely not a treatment plan.""Structure matters, but function matters more. Context determines what the structure actually means.""Confidence isn't giving parents a quick, simple answer—it's being able to separate what you know from what you suspect."Timestamps 001:04 - The Gap Between Knowing and Understanding Myo 02:50 - Clinical Sensitization & Pattern Recognition 04:23 - Case Study: 3-Year-Old with Low Tone 06:23 - What Deeper Assessment Looks Like 07:35 - Assessing a 2-Year-Old for Feeding Concerns09:04 - Myo Does Not Replace the Rest of the Child 10:20 - Structure vs. Function & Better Referrals 12:03 - Assessing Infants & The Feeding Dyad 13:28 - Communicating Honestly with Parents 15:20 - Myo vs. Feeding Therapy & Multi-Disciplinary Care 16:26 - How to Build True Clinical Competence18:21 - The Myo Method & Closing Thoughts Links & ResourcesThe MYO Method: Elevate your clinical reasoning, bridge assessment gaps, and master orofacial patterns at TheMyoMethod.com.Fast Myo Screening Tool: Stop guessing during your intakes and download the checklist at FastMyoScreening.com.WORTH A LISTEN: CONTINUE YOUR JOURNEYEpisode 132: Feeding With A Twist of Myo with Hallie Bulkin, MA, CCC-SLP, COM.Episode 150: Where To Start And End With TOTS?.STAY CONNECTED

The Great Leader is so powerful. He has such influence. That aside, however, he is an odd man. He was an odd boy too and this is only proven further today. Meanwhile, Steve pontificates on the Dartford Crossing and how often Queen Elizabeth II might have visited it and there's a paranormal update from Anglesey.Please send your listener comments to Danny@radiox.co.ukThis week's podcast is dedicated to The Nameless 16 Year Old, of Ian's.Thank you.

(Short Voice Only) Regrets Of A 15 Year Old  #1654 Let Me Bore You To Sleep  1st August 2026 by Jason Newland

(Overnight Music) Regrets Of A 15 Year Old  #1654 Let Me Bore You To Sleep  1st August 2026 by Jason Newland

(Short Music) Regrets Of A 15 Year Old  #1654 Let Me Bore You To Sleep  1st August 2026 by Jason Newland

(Long Music) Regrets Of A 15 Year Old  #1654 Let Me Bore You To Sleep  1st August 2026 by Jason Newland

(Long Voice Only) Regrets Of A 15 Year Old  #1654 Let Me Bore You To Sleep  1st August 2026 by Jason Newland

(Overnight Voice Only) Regrets Of A 15 Year Old  #1654 Let Me Bore You To Sleep  1st August 2026 by Jason Newland

(Short Music) Regrets Of A 15 Year Old  #1654 Let Me Bore You To Sleep  1st August 2026 by Jason Newland

(Overnight Voice Only) Regrets Of A 15 Year Old  #1654 Let Me Bore You To Sleep  1st August 2026 by Jason Newland

Reflections on Recent Pilgrimage to Medjugorje with 24 Year Old by Fr. Jason Brooks, LC

Choosing a Trustee: Why Naming Your Kid May Be a Mistake — Marguerite Lorenz Short answer: Naming your child as trustee, executor, or agent under your power of attorney is the default choice for most American families — and it is frequently the wrong one. In this episode of Wealth Actually, host Frazer Rice talks with California Licensed Professional Fiduciary and Master Certified Independent Trustee Marguerite Lorenz about why roughly two-thirds of American adults still have no estate plan, why the job of a trustee is far more intimate and technical than families expect, and how to decide between a family trustee, a bank or trust company, and an independent professional trustee. https://youtu.be/56bzuORe8YI Episode Overview: Who Will Actually Run Your Plan? Most estate planning conversations stop at the documents. Marguerite Lorenz argues the documents are the easy part. The hard part is staffing — deciding who steps in when you can no longer make new decisions, and whether that person can absorb the technical, financial, and emotional weight of the job. Lorenz has served as trustee, executor, agent under power of attorney for finance, and agent for health care for hundreds of families since 2003. She is the author of three books — Luck or Control? The Life-Improving Power of Estate Planning, How to Be a Successful 90-Year-Old, and the newly updated Ethics for Trustees 2.0 — and she is Vice-Chair of the Independent Trustee Alliance. Her framing line, and the one that should stick with every listener: “If you don’t get your estate plan done, you’re suing your family. You’re making them go to court. And who would want to make anyone else go to court?”— Marguerite Lorenz This is the second time Marguerite has joined the show. Her first appearance covered the mechanics of individual trusteeship: EP.75 — Individual Trusteeship with Marguerite Lorenz. Key Takeaways •Only about a third of American adults have any written estate plan — and Lorenz argues half of those plans would not actually function when needed. •Professionals are barely better than the public. When Lorenz polls rooms of attorneys, CPAs, and financial advisors, roughly one-third raise their hands for a complete, up-to-date, ready-to-go plan. •The trustee role is intimate, not administrative. A trustee sees your paperwork, your bills, your medications, and your bedroom. “Who is going to be the first person in your bedroom when you are no longer able to make new decisions?” •Incapacity, not death, is the long tail. Many people live for five or six years unable to make new decisions. The trustee’s job often runs during your lifetime, not just after it. •A professional trustee can be temporary. Lorenz recounts stepping in for a client during cancer treatment, providing a full accounting, and stepping back down when he recovered — then serving again after his death. Would your child step back down? •Estate planning is about preferences, not predictions. “Our power in estate planning is not prediction, it’s setting our preferences” — and preferences can only be set while you are competent. •Quality of life belongs in the plan. Not just tax, legal, and financial terms — but how you want to live, where you want to live, and what small things matter (for Lorenz, an international selection of dark chocolate). •Digital assets are now a core trustee problem. Phones, social accounts, and daily transactions all require someone with access and authority. •A will does nothing while you are alive. “The will doesn’t operate at all if you go to the hospital and you haven’t granted authority to anyone.” •Cost is usually overestimated. Both an estate plan and an independent professional trustee typically cost far less than probate court. •Revisit every five years. Calendar a five-year check-in with your attorney to review law changes, marriages, divorces, births, and deaths. Chapters and Timestamps •[00:00] Cold open: “If you don’t get your estate plan done, you’re suing your family.” •[00:32] Welcome back — introducing Marguerite Lorenz, California trustee and author •[01:14] Luck or Control? — why fear keeps families from finishing an estate plan •[02:22] What a full-time trustee actually sees: trustee, executor, agent for finance, agent for health care •[03:49] Why families default to naming a child — and where that breaks down •[05:00] The skill set nobody screens for: negotiation, calm, empathy, and grief •[05:40] Case study: serving as temporary trustee through a client’s cancer treatment — and stepping back down •[07:51] Why even attorneys need their own attorney: nobody is objective about their own circumstances •[09:09] The five-year estate plan check-in as a life milestone •[09:39] How to Be a Successful 90-Year-Old — living well to the very end •[10:20] The “black box” problem: privacy, dignity, and care in your own home •[11:54] Preferences over predictions — planning for your future vulnerable self •[13:40] Rewriting an advance health care directive after hundreds of hospital bedsides •[16:13] The statistics: only a third of adults — and only a third of professionals — are actually ready •[17:47] Frazer’s challenge to advisors: you can’t advise well if you aren’t practicing what you preach •[18:22] The first question in Luck or Control?: “Hey professional, do you have your estate plan done?” •[19:21] Ethics for Trustees 2.0 — what’s new in the updated audio and PDF edition •[20:27] Family trustee vs. bank trustee vs. independent professional trustee •[21:52] The looming crisis: the great wealth transfer, incapacity, and digital assets •[24:54] Documenting the “why” behind hard trustee decisions •[25:23] Probate courts overrun, bioethics committees, and next-of-kin defaults •[26:54] Where to find the books, the podcast, and the Independent Trustee Alliance directory About the Guest: Marguerite Lorenz, MCIT, CLPF Marguerite Lorenz is a California Licensed Professional Fiduciary (CLPF #319) and a Master Certified Independent Trustee (MCIT). She has served as Trustee, Executor, Agent for Finance, and Agent for Health Care for more than 200 families since 2003 as managing partner of Lorenz Private Trustees. Marguerite is Vice-Chair of the Board of the Independent Trustee Alliance, past Chair of the California Professional Fiduciaries Bureau Advisory Committee, and host of the Plan For This podcast. She is the author of Luck or Control? The Life-Improving Power of Estate Planning, How to Be a Successful 90-Year-Old, and Ethics for Trustees 2.0. About the Host: Frazer Rice Frazer Rice is the author of Wealth, Actually: Intelligent Decision-Making for the 1% and host of the Wealth Actually podcast, where he interviews experts, entrepreneurs, and commentators on preserving assets and enjoying wealth. Resources and Links Mentioned •PlanForThis.com — Marguerite’s books, the Plan For This podcast, and a free First Steps toolkit. Ethics for Trustees 2.0 is now exclusive to this site (audio + PDF bundled with purchase). •TrusteeAlliance.com — the Independent Trustee Alliance directory for locating certified independent trustees by state. •Marguerite Lorenz on LinkedIn •California Professional Fiduciaries Bureau — state licensing for professional fiduciaries •Related episode: EP.75 — Individual Trusteeship with Marguerite Lorenz •Related episode: What If You Are Named in a Will or Trust? Frequently Asked Questions Should I name my child as trustee? Not automatically. A child understands the family but may lack the technical skill to handle tax, legal, financial, and medical decisions — and may be grieving or in conflict with siblings at the exact moment judgment is required. Marguerite Lorenz notes that a trustee must be a good negotiator, stay calm under pressure, set aside personal feelings, and enforce rules the grantor set. She also raises a test most families never consider: if you recover, would your child voluntarily step back down and hand you a full accounting? What is the difference between a family trustee, a corporate trustee, and an independent trustee? A family trustee is a relative or friend serving in a personal capacity, usually unpaid and untrained. A corporate trustee is a bank or trust company with institutional infrastructure, minimum account sizes, and staff turnover. An independent professional trustee is a licensed or certified individual — like a California Licensed Professional Fiduciary — who serves full-time, carries a succession plan, and can often be engaged at a lower cost than families expect. The Independent Trustee Alliance maintains a national directory of independent trustees. What does a trustee actually do while I am still alive? A trustee acting during incapacity manages assets, accounts for every dollar, handles taxation, pays bills, coordinates care, and increasingly manages digital assets such as phone-based transactions and social media accounts. Lorenz emphasizes that many people live for five or six years unable to make new decisions, so the trustee’s lifetime role is often longer and more demanding than the post-death administration. How often should I update my estate plan? Roughly every five years, or sooner after a major life event such as marriage, divorce, birth, death, a liquidity event, or a change in tax law. Lorenz recommends putting a five-year reminder in your phone to call your attorney and ask what has changed in the law and in your life. What happens if I go to the hospital without an estate plan? The hospital and its bioethics committee will do the best they can and will look for next of kin to make decisions for you — potentially people with whom you have never discussed your personal wishes. A will does not help here, because a will only operates after death. Financial and health care powers of attorney are what grant someone authority while you are alive. Is an estate plan expensive? Usually less than people assume, and materially less than probate court. Lorenz makes the same point about professional trustees: “Independent individual professional trustees cost a lot less than you think also. And you need to ask, because this is your life we’re talking about.” Do financial professionals have their own estate plans? Often not. When Lorenz polls audiences of attorneys, CPAs, and financial advisors, only about a third report having a complete, up-to-date, ready-to-go plan — barely better than the general public. Her challenge to the profession is that clients will increasingly ask advisors directly: “Do you have your estate plan completed?” Pull Quotes “Our power in estate planning is not prediction, it’s really about setting our preferences.” “Who’s going to be the first person in your bedroom when you are no longer able to make new decisions?” “I’m not in charge. I’m a servant-manager.” “Once I get my estate plan done and updated, I don’t think about it anymore. My head space is so clear because everything I was worried about has been thought about, considered, allowed, and put down in writing.” Full Transcript Transcript lightly edited for clarity. Timestamps are approximate. [00:00] Marguerite Lorenz: You know, if you don’t get your estate plan done, you’re suing your family. You’re making them go to court, right? And who would want to make anyone else go to court? [00:08] Announcer: Welcome back to the Wealth Actually podcast, the show that features experts, entrepreneurs, and commentators that will give you the right knowledge, planning, and guidance so you can preserve your assets and enjoy your wealth. Learn more and subscribe today at wealthactually.com. This podcast is for educational and entertainment purposes. It is not investment, legal, nor tax advice and does not represent the opinion of the employers of the host or guests. [00:32] Frazer Rice: Welcome back. Friend of the podcast Marguerite Lorenz is on the podcast this week. She’s a California trustee and has a new book called Luck or Control? out. We’re going to talk a little bit about fiduciary matters and what it takes to have good staffing within your estate plan. Welcome back, Marguerite. [00:54] Marguerite Lorenz: Thank you, Frazer. [00:55] Frazer Rice: Since the last time you were on, you have a couple of books out and we’ve gotten to see each other a couple of times with the Independent Trustee Alliance. Let’s talk a little bit about the new book that you just published and what you’re trying to do with it. [01:14] Marguerite Lorenz: So that book is Luck or Control? The Life-Improving Power of Estate Planning. And I wrote it because I’ve seen hundreds and hundreds of families really struggle with how this is going to get done, and many people don’t get their estate plan done at all because they’re so afraid. They don’t know what to expect, they don’t want to talk about their mortality, they don’t want to have serious conversations with their loved ones. And if we don’t have those conversations, we really lose all control when we need it the most — when that medical crisis happens or when life changes in a big way. [01:52] Frazer Rice: No question about it. And I went through the book and it’s an important read, because for those people who really have to get their affairs in order and feel stuck for some reason, I think you do a good job of laying out why you need to get unstuck and then how to take a couple of steps to initiate those conversations and get the important things down so that you can then have the deeper conversations that help out later on as you’re structuring things. What part of your experience being a full-time trustee helped to inform all of this? [02:22] Marguerite Lorenz: Well, as a trustee professionally, I’ve met with lots of different families in lots of different circumstances. And for many of them they’ve named me, and so I’m serving in that role. It’s not just trustee; it’s trustee, executor, agent on the power of attorney for finance, and even as agent for health care. And so that’s a very intimate job. It’s a job where you end up seeing someone’s entire life, or as much as you can of another person — their paperwork, how they do things, how they pay their bills, how they live, what medications they take. It’s really very intimate. And I think a lot of us assume that our children know us and they’ll do what we want them to do. But the thing is that it’s very likely you haven’t lived with your children in the same household for decades. And now you’re asking them to come back, drop their life, and come in and be that person for you. Be the person who’s going to protect your privacy, be that person who’s going to protect the way you want to live. And they may disagree with the way you want to live. They may actually have issues with some of the choices that you’ve made or how you’ve proceeded. So now, in addition to having a medical challenge where you’re not able to make new decisions — maybe temporarily, maybe permanently — now you have someone who wants to run the show or actually be in charge. In my job as a professional trustee, I’m not in charge. I’m a servant-manager. I’m really taking the trustor’s wishes and how they’ve structured things and really looking at that to be sure that I can continue it as best I can with all the changes that have occurred. [03:49] Frazer Rice: One of the things we were talking about before we got on board, and something we’ve discussed generally through the Independent Trustee Alliance, is that people who are asked to serve in those roles usually are family members. And for people who are uninitiated in the field, that seems like an obvious choice, because they’re really trying to put somebody in there who understands the family. But as you and I know, they may not be necessarily qualified to deal with the technicalities of the different roles that we just discussed. But also, the idea of taking on the emotional toll of these new conditions can be something different and unapproachable for many people. [04:30] Marguerite Lorenz: Well, I think it helps to kind of look at some of those issues. So you might have more than one child. Even if you have an only child, these issues apply. And now you’ve been in the hospital and you’re expecting this person to deal with your tax, legal, financial, and medical decisions. This person has to be a good negotiator. This person has to be calm when there’s issues that arise, and they may have feelings — they may be grieving that things have changed for themselves and in their relationship with you. So I think to be really empathetic and to be really kind and compassionate, we have to get our own stuff in order so that we can really have a good experience for our last days. And again, some of these roles that I’ve served in have been temporary. Let me give you an example. I worked with a gentleman whose wife had passed away because of cancer. She had been gone about two years and he himself was diagnosed with cancer. So he already knew what that might be like, right? She had already had chemotherapy; he was right there with her through all of that experience. Well, now faced with it himself, he said, “In order for me to do this, I don’t have a partner. I need somebody who’s going to deal with the business of my life so that I can focus on my health.” He named me as his trustee. I became active. I reported to him because he was still able to receive those reports. He was certainly mentally able, but physically it was really hard. He was exhausted most of the time. And he was going to grief support for the loss of his wife and going to chemotherapy treatments. So you can imagine just how full his day was. So we’re into this two years. He met a woman at grief support. He was feeling better because the treatment worked, and he decided he wanted to travel the world before he died. And he married this woman, and they were very happy together. And he asked if he could be trustee again. So — I’m a professional trustee. It’s part of my duty to step back and step down when the trustor who wants to be trustee again wants that job back. So I gave him a full report, he had an accounting, he knew exactly what had happened during my term. He went on with his life, and then he passed away and I became trustee again. So I just wanted people to know that it could be temporary. It’s not necessarily a permanent job. Would your child step back down? [07:14] Frazer Rice: No question. Once in the role, sometimes it’s difficult to get out of it. But you did the right thing in terms of getting an accounting, making sure that your duties stopped when you were told to get off, and then when you were ready to come back on, that those sightlines are very clear. And that’s what comes with talking to a professional like you. You understand those parts so that you’re not having things bleed from one role into another and having liability issues or misunderstandings with the next generation. [07:51] Marguerite Lorenz: Right. And let’s talk about working with professionals from the beginning. We don’t know what we don’t know. And even attorneys need to go to an attorney to get their estate plan done. There may be attorneys who disagree with that, but none of us can be truly objective about our own circumstance. And we need someone who’s going to ask us some tough questions and really help us figure out: what is our intention? How do we feel about this? What’s important to us? So, getting my own estate plan done — I was a single mom in a new profession. I had just become a fiduciary and I had just learned about estate planning. I was learning so much at that time and realized, every time I drive on the freeway, I’m risking my children’s future. I’m their only parent. What can I do about that? So estate planning isn’t just about money, and it isn’t just about death. It’s also about taking an inventory. What do I have? What have I accomplished? Who do I love? What do I really care about? And once we get to have those kinds of conversations, our whole perspective on life improves. And I’ve used my own estate plan, every time I’ve gone to update it, as sort of a milestone check — where am I now? [09:09] Frazer Rice: Maybe the standard procedure is every five years to check in and make sure that life has not advanced as far as divorce, deaths, new kids, marriages, things like that, to make sure that the plan is in place. And it’s a great milestone to reflect on things. And then, as we move up the ladder wealth-wise, if there are changes in tax laws and things like that, it’s important to make sure that the plan understands that change and is able to accommodate what’s going on on that front. Let’s take that as a segue. You have another book that you came out with, How to Be a 90-Year-Old — or a well-functioning 90-year-old. [09:36] Marguerite Lorenz: How to Be a Successful 90-Year-Old. [09:39] Frazer Rice: More than well-functioning — actually successful. How to Be a Successful 90-Year-Old. I have not read that yet, so tell us a little bit about what’s going on there. [09:47] Marguerite Lorenz: Well, I want everyone to have that blue ribbon feeling at the end of their lives. And I picked 90 because I have had clients that have reached a grand old age of over 100. My last client passed at 105. So it is possible to live well until the very end. And I’ve been working with people for over 20 years that are much older than me, who have lots of wisdom and experience to share. Their stories are important. So for people that are serving as trustee — whether you’re a family member trustee or you’re a professional — this book might be helpful, because I actually talk about the relationships with those clients. And I also talk about some things we could do now so that life is simpler, better, and more comfortable when we might need some help. And that’s another barrier that a lot of us have. We have this barrier to having someone come into our home and help us. Our home is our sanctuary, it’s our private space. But I want everyone who’s listening right now to just think about it: who’s going to be the first person in your bedroom when you are no longer able to make new decisions? And do you want that person to see everything that might be in your bedroom? Many, many adults have what I call a black box. We have something that’s private that really, really we keep to ourselves. But everything gets exposed once you are not able to care for yourself. So then what? Well, many people want to stay in their home no matter what, as long as possible. So imagine, if you will — some of my clients have lived in the same home for 30, 40, 50 years. And now they have to get care. Can we arrange to have that care in their home? So this exploration is really about living well to the very end. There are some really great tips, things I’ve learned from my 90-plus-year-old clients that I’ve employed and deployed for myself. [11:23] Frazer Rice: Just as an example there — I’m a ripe old age of 53 shortly. The idea of getting things in place while you’re at the peak of your powers, and you don’t have the difficult decision of having the car keys taken from you, or being in a home that isn’t appropriate for you anymore, meaning you don’t have the necessary safeguards for showers and stairs and things like that. Do you get into that, as far as trying to look five years ahead to make sure that the things that you can do now in a more comfortable environment take place before maybe the emergency happens and then all of a sudden we say, “Oh my gosh, we’ve got to do a complete overhaul here”? [11:54] Marguerite Lorenz: Well, as you know, Frazer, our power in estate planning is not prediction, it’s really about setting our preferences. And if we don’t do that while we feel good, while we’re competent, while we’re thinking clearly, we don’t get a chance to express that or do that once we’ve lost our competence. So this is really important — that I’m thinking about my future vulnerable self. I’ll give you a small example for me personally: dark chocolate is part of my life. I like having an international selection of dark chocolate and I don’t want the same kind every day. I feel the nuances and the taste and the flavors; it’s important to me. For some people that might be wine, for other people it might be fine literature. It really depends on what you’re into. Well, our estate plan can be just about tax, legal, and financial stuff, but it really should be more. It should be about our quality of life. And that’s really what I’m instructing and what I’m talking about in a very warm, personal way in How to Be a Successful 90-Year-Old. And even in Luck or Control?, I want people to understand the function of the documents. So we talk about the documents and what they’re supposed to do to assist your person. But you have to have a person. And you might choose to have a trust company or a bank serve as your trustee, you might have a family member, you might have an individual like me — an independent trustee. You can find more independent trustees at the Independent Trustee Alliance. But the point is: how do I want to live? Who do I want to have help me? What does that help look like? Well, you might not know all the answers right now, but if you begin now, your eyes open to different possibilities. I’ll give you an example: I have visited lots of hospitals. I’ve been to people’s bedsides many, many times. I’ve learned that there are certain procedures I’m just not willing to go through. So in my mind I had to update my advance health care directive to basically say: this shell that I’m in, the case I walk around in, the machine that I live in, needs to be kept alive long enough so that my boys can say goodbye. And that’s not for me, that’s for them. But I don’t want it to go on interminably. [15:00] Marguerite Lorenz: So I’m pretty specific in my documents about what I want. So I’m hoping to help people have a little perspective — use that energy you have, use the power that you have right now to make decisions for yourself, and allow yourself the opportunity to update your estate planning documents from time to time, so that what you learn goes into your documents, and what you decide and what your intention is, is clear. [15:23] Frazer Rice: One of those points that you bring up that I think is important is that you can be a really good user of professional services with some forethought. To muse a little bit about what the end of life looks like is somewhat an unpleasant thought, if you feel like you’ve got less than your full faculties and that ends up being your future. But thinking about that and putting some planning around it, and real ideas about what you want others to take away from your end of life, in many ways I think is a great way to really get the documents put in place and reduce tension and questioning later, and any ambiguity that there might have been ahead of time. [16:13] Marguerite Lorenz: Well, that’s the thing too that we don’t necessarily consider when we avoid estate planning. And I’m talking to all the professionals who listen to you, Frazer. The percentage of professionals who have their estate plans completed might be just a little bit more than the average person, but only a third of American adults have any kind of written plan — and I would argue that half of them are not really going to work. And when I speak to professional groups — attorneys, CPAs, financial advisors and so on — I get that same raise of hands: only about a third of them have a complete, up-to-date, ready-to-go estate plan. Why do I need it ready to go? Because I don’t know what’s going to happen or when. So yes, it is hard to contemplate the end of our lives; it’s not something we want to think about. But how do you stop thinking about it? How do you stop worrying about it? You do everything you can about it right now, and then you set it aside. And our cell phones are so powerful that I can put in my calendar five years from now to call my attorney and ask if anything’s changed in the law, and to consider then if I need to think about anything that might have changed in my life that I want to update. So once I get my estate plan done and updated, I don’t think about it anymore. I’m so relieved. My head space is so clear, because everything I was worried about has been thought about, considered, allowed, and put down in writing. And now I don’t worry anymore. [17:47] Frazer Rice: I scolded a group of financial professionals I was giving a talk to. I asked probably a similar question, which was: how many of you have your estate plan documents up to date? And they all shot up, out of shame. I said, “How many of you have looked at them within the last two years?” And then that shot down to about a third, maybe less. I just said, “Shame on you.” People are looking to you for help on these things and you’re not leading by example. And so — point taken, and not just the trusts and estates lawyers, but for everybody else around the ecosystem. To not go through that exercise yourself — you can’t possibly advise correctly if you’re not practicing what you’re preaching. [18:22] Marguerite Lorenz: Well, here’s my challenge, and here’s my challenge to every professional in our mutual space: bank trust officers, administrators, paralegals, everybody. In Luck or Control? and on planforthis.com, which is where you can find my books and get a free First Steps toolkit, the first question is, “Hey professional, do you have your estate plan done?” It’s the first question. Why? Because I want to be sure I’m dealing with somebody who has some empathy for the emotional decisions I’m going to have to make. I want someone on my team that understands what this feels like — not just the wise, tax-smart decisions that they made. It’s a whole package. And so I’m putting it out there and I’m saying: I’m challenging everyone in our mutual space. Make sure you have your estate plan done, because more and more clients are going to be asking you, “Do you have your estate plan completed?” [19:21] Frazer Rice: So then let’s talk about your third book, which is sort of an update — and we talked about it in the previous podcast that we did a while ago, and I’ll have that in there — which is Ethics for Trustees. What’s in the update? I know it’s now in an audio version, which I haven’t sampled yet but I’m sure it’s really good. What’s new now versus when it first came out? [19:54] Marguerite Lorenz: So I’ve simplified it a bit, because I recognize that each of us can look up the probate code for the state that we live in, and it was really much more of a California-specific book. Look, I’m a California Licensed Professional Fiduciary and I’m also a Master Certified Independent Trustee. So having the audiobook, and also having it in PDF form, I think is very helpful for people so they can make notes, take a certain page with them. And the book now is exclusively available at planforthis.com. And when you purchase it, you’re getting both the audio and the PDF version. [20:27] Frazer Rice: Cool. Well, we’ll make sure that’s in the show notes. Let’s take the last little bit of time we have here and talk about the decision to have an individual trustee — and by individual, I mean family trustee — versus a more professional trustee, whether it’s an individual or a bank trustee. You and I sort of nod our heads in agreement every time we talk on this topic, and I’ve done podcasts with others where I feel this looming crisis is coming, where people put all these documents together in trusts and then they staff them with people who may be initially qualified, barely, but then six months after the ink is dried, their interest wanes, their technical capability wanes, life intervenes, something different happens — and the problems just multiply at that point. I guess my big question is — and from the Independent Trustee Alliance, where there is a group of people who can operate as a trustee without having to go to a bank — how bad do you think this problem could get? We have this great wealth transfer and we have a lot of assets shifting, not just from the ultra-high-net-worth but regular people shifting to the next generation, with people at the wheel of these structures that I don’t think really understand what’s going on. How bad could this get? [21:52] Marguerite Lorenz: In my view, we’re not just dealing with a transfer of wealth — because that’s where a lot of people focus. Where’s the money going, right? It’s going from one generation who died and then the money’s going to the next generation. But in that interim — and by the way, many people live for years unable to make new decisions for themselves. So it’s during their lifetime that they might need their trustee to step in, not just after they die. And that’s really important to consider: that you might need someone for five or six years when you need someone to make decisions. What kind of decisions? You have digital assets, you have your social media accounts, you might be doing transactions on your phone all day every day — but someone else will need to get into your phone to actually do those things, maybe. Is that somebody you want from your family to do that for you? Maybe you still say yes. But that family member has to have the ability to enforce the rules that you’ve set in your trust. They need to communicate really well with other people. And they have to set aside their own feelings. They have to put you first. And that’s a big challenge. So when you think about the word fiduciary — and I know that the financial industry has used the word a lot — the technical aspect of that is that I’m putting my needs aside and putting that trustor, that person who created the trust, their needs first. Then I also have to consider their beneficiaries and the future of those beneficiaries. So I’m dealing with transactions and having to account for every single penny of where the funds are now and where they’re going, what the assets are, what the character of those assets are. I have to deal with all the taxation that goes with that. I have to manage those assets. So that’s one set of skills, right? But then there’s the softer skills about communicating with other people and understanding their doubts and their concerns, and not taking that personally, and putting things in writing. So this is a big job. It’s not the simple job that it might have been at one point, where someone just wrote a will on their cocktail napkin and said, “Okay, I’m leaving you all my money.” The will doesn’t operate at all if you go to the hospital and you haven’t granted authority to anyone to be that person for you, to go to your house, get you some clean underwear and socks and bring it to the hospital for you. So I think we have to look at our lives as more complex. It’s not just driving a car; it’s deciding where that car goes, and if the car is maintained, and is the car clean, and can we have other people in the car with you? There are just so many decisions that I’ve had to make for other people that I don’t take any of this lightly — and nor should anyone who’s writing their estate plan. You need that attorney to ask you those questions and walk you through your day-to-day, so you can keep your day-to-day as long as possible. [24:54] Frazer Rice: Well, the other part too is the people who assume those roles — and I’ve been in it too — when you are asked to make tough choices, sometimes you have to make tough choices that favor one person over another, and you may be called to account for that. And the idea of keeping diligent records and writing — in a sense putting down the reasoning behind what you’re doing and making sure that everyone, to the extent it’s possible, understands the why of what’s happening — I think that is going to help people really save themselves some issues going forward when those tough choices have to be made. [25:23] Marguerite Lorenz: You know, if you don’t get your estate plan done, you’re suing your family. [25:27] Frazer Rice: Ah — good way to put it. [25:29] Marguerite Lorenz: You’re making them go to court, right? And who would want to make anyone else go to court? I mean, it’s just such a sad thing. And by the way, our courts are overrun with people that did no planning. And none of it happens quickly. So if you end up hospitalized and you haven’t selected a person, then the hospital and their bioethics committee is going to do the best they can. They’re going to ask for next of kin to make decisions for you — people that you may never have discussed your personal life with now have to be making decisions for you. So I’m asking people to be a little more proactive. I know you’re busy. I know it costs money to get an estate plan — probably less than you think, and certainly less than probate court would cost. A lot less than probate court would cost. Independent individual professional trustees cost a lot less than you think also. And you need to ask, because this is your life we’re talking about. I’m good. I have my plan, I keep up to date with my successors. I have a succession plan that’s worked beautifully. I’ve tested it. I know. And that’s why I can be so calm and so confident everywhere I go in my life. I’m feeling so good and so happy. Well, I want that for everyone. I want everyone to have that calm, true confidence that comes with knowing you’ve done everything you possibly can for yourself and the people you love. [26:54] Frazer Rice: Terrific. Marguerite, how do people get the books? How do people find you and your podcast, the Independent Trustee Alliance, and any other points of contact? [27:04] Marguerite Lorenz: Great, thank you. So planforthis.com is where you can find the books, where you can find me. We do have a podcast that has some wonderful discussions, case studies, and other topics to help people better understand the choices that they have. The Independent Trustee Alliance has a wonderful directory to find all kinds of professionals, but especially independent trustees, and you can find that at trusteealliance.com. And I’m going to be out there — I’m on LinkedIn. Come find me, connect with me. And Frazer, once again, thank you so much for the opportunity to visit with you. [27:40] Frazer Rice: Oh, it’s always great to get your expertise. And you bring a great sense of empathy to what can be a very technical and dollar-driven process. And I think the empathy, when it gets avoided or missed, there’s something really lost. So I really value your perspective on it. Thank you so much. [28:00] Announcer: This podcast is for educational and entertainment purposes. It is not investment, legal, nor tax advice and does not represent the opinions of the employers of the host or guest. Subscribe to Wealth Actually on Apple Podcasts, Spotify, Youtube or wherever you listen — and if this episode was useful, share it with the person you have named in your documents. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/

Choosing a college is about far more than rankings, majors, and graduation rates.Lisa Marker-Robbins sits down with Dr. Julia Lapan from the University of Virginia to explore what families should look for in a college experience that helps students build confidence, explore career possibilities, and prepare for life after graduation.In this episode, Lisa and Julia discuss:What separates colleges that produce strong career outcomes from those that leave students to figure it out themselvesWhy self-awareness should come before choosing a major or pursuing internshipsHow to look beyond college rankings and employment statistics when comparing collegesHow UVA's Arts and Sciences College embeds "career ecosystem" design throughout the four-year experience for all studentsKey Takeaways: Career exploration grows through conversations, small experiences, and personal projects or artifacts, not one defining opportunity.Self-awareness should be foundational and built early, guiding choices about majors and internships.Families should look beyond rankings and career outcomes to understand how a college supports career development across campus. Career services matter, but are only one part of the picture.Parents can best support the process by asking thoughtful questions, encouraging exploration, and giving students the confidence to make their own decisions. “It's never too early to begin planning for one's life and career. It is also never too late.” – Julia LapanAbout Julia Lapan: Julia Lapan is the inaugural Executive Director of Career Design & Discovery at the University of Virginia's College and Graduate School of Arts & Sciences. With more than 20 years of experience in higher education, she previously served as Assistant Dean at UVA's School of Engineering and Applied Science, where she integrated career design into the first-year engineering curriculum. She holds a doctorate and master's degree from UVA and a bachelor's degree in psychology from the College of the Holy Cross.Episode References:Get your questions answered live: https://flourishcoachingco.com/qaLearn more about Launch Career Clarity at https://flourishcoachingco.com/courseSample Birkman Report Available at: https://flourishcoachingco.com/birkmanFortune 100 CEO self-awareness study: https://www.forbes.com/sites/victorlipman/2013/11/18/all-successful-leaders-need-this-quality-self-awareness/#212 How to Choose a College That Delivers Career ROI, with Jeff Selingo: https://flourishcoachingco.com/212Sign up for my free webinar August 5, 2026 at 7:30 PM EST. Click the link to reserve your spot: https://flourishcoachingco.com/qaGet Lisa's Free on-demand video: THE CAREER IDENTIFICATION COMPASS: How To Be Certain Your 15 To 25 Year Old is On The Right Path to Launch With Confidence–Not Confusion: flourishcoachingco.com/video Connect with Julia:Website: https://college.as.virginia.edu/people/julia-lapanLinkedIn: https://www.linkedin.com/in/julialapan/Join my free webinar Wednesday, August 5 at 7:30 PM EST. Click the link to reserve your spot- https://flourishcoachingco.com/qaConnect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

Step inside the newly reimagined Dalmore Distillery with Craig Bridger, Head of Advocacy at The Dalmore, as he sits down with Jake Lewellen to unpack the artistry behind one of Scotland's most iconic single malt Scotch whiskies. After a three-year renovation that doubled production capacity and reinvented the visitor experience, The Dalmore is entering a new era — and this conversation goes deep into what that means for whisky lovers everywhere.We explore the launch of The Dalmore 17-Year-Old in the United States and how it compares to the beloved 15-Year-Old, breaking down tasting notes like toffee, salted caramel, and dried fruit that come from meticulous sherry cask maturation. Craig walks us through the exclusive Gonzalez Baez sherry casks and how different sherry styles — Matusalem, Apostoles, and Amoroso, each leave a distinct fingerprint on the final spirit. We also dig into the role of American oak, the blending process behind The Dalmore's signature flavor profile, and why proof point (42% ABV) matters for flavor nuance.Beyond the glass, we talk whisky tourism — why visiting a distillery in its place of origin changes how you experience the spirit — and the communal, social side of whisky enjoyment that makes every dram better in good company. Whether you're a seasoned single malt collector or just getting into Scotch, this episode is packed with insight into cask selection, rare and limited releases, and the craftsmanship behind every Dalmore bottle.Timestamps:00:00 – Introduction to The Dalmore's latest innovations and distillery reopening02:02 – The detailed renovation and capacity doubling at Dalmore in Scotland03:19 – The immersive experience of Dalmore's new still house and distillery tour highlights04:49 – The role of community, shared experiences, and ambiance in whisky enjoyment05:50 – Spotlight on The Dalmore 17-Year-Old, sherry cask influence, and tasting notes07:47 – The proof point of The Dalmore 17 and its flavor nuance at 42% ABV10:55 – Cask selection, Gonzalez Baez sherry, and the aging process14:01 – Rich, viscous notes: toffee, salted caramel, and dried fruit15:57 – Comparing The Dalmore 15-Year-Old and 17-Year-Old17:43 – Sherry finish versatility and pairing ideas, from desserts to ice cream18:48 – Palo Cortado and other sherry styles' flavor nuances20:13 – Blending and aging in American oak versus sherry casks23:28 – Limited cask access and craftsmanship behind rare releases like Matusalem and Apostoles27:48 – Deep appreciation and experimental exploration of sherry-influenced whisky30:24 – The rigorous cask selection process and its impact on flavor complexity33:08 – The story behind the 15-Year-Old versus the 17-Year-Old37:40 – Final tasting impressions and the sensory journey through The Dalmore whiskiesLinks:

A hysterical mother, by the name of Lashanda Wilder is calling police because her 8 year old son has run away, again, only this time they can't find him. Police realize something is up when Wilder wont let them search the house, so they bring in cadaver dogs and the young boy's body is found in Lashanda's attic. According to Lashanda and her girlfriend Johnna, they boy was killed by his own brother, a 9 year old, with a rock. Sounds like a mother's worst nightmare, but what actually happened is so much worse.   Check out Patreon and our other shows!: Patreon.com/truecrimeguys Cryptic Soup w/ Thena & Kylee Strange & Unexplained True Crime Guys YouTube EVERYTHING TRUE CRIME GUYS:   https://linktr.ee/Truecrimeguysproductions True Crime Guys Music: True Crime Guys Music on Spotify OhMyGaia.com Code: Crimepine Patreon.com/truecrimeguys Patreon.com/sandupodcast Merch: truecrimeguys.threadless.com   Sources: Cops Walk Into A Torture House Searching For A Missing Child https://www.youtube.com/shorts/Xm_lVX_awgc https://www.10tv.com/article/news/local/police-release-bodycam-video-search-for-martonio-wilder-before-body-found/530-e209c131-3e7e-41fa-8468-ab931d810af4 https://mycrimelibrary.com/lashanda-wilder-murders-8-yr-old-son/ Bodycam: ‘Evil' Mom and Girlfriend Allegedly Killed 8-Year-Old, Hid His Body in Attic Tense Cinematic NoCopyright Background Music Compilation Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many families eliminate strong career options long before a student has enough information to make a confident decision.In this solo episode, Lisa Marker-Robbins challenges the belief that career planning should follow one clear, predictable path and introduces a broader way to think about career exploration.Drawing on years of coaching families and the Birkman Method, Lisa explains why students often eliminate promising career options too early. Through her daughter Sydney's path from considering teaching and therapy to finding a career in sales, she shows how looking beyond job titles can lead to stronger career decisions.In this episode, you'll discover:The limitations of viewing career planning as a single, linear pathCareer ecosystems and the value of exploring overlapping job familiesBetter questions that lead to stronger career conversations and decisionsUsing self-awareness, values, and career assessments to uncover unexpected career fitsKey Takeaways: Instead of ruling out an entire career path, pay attention to the responsibilities, work environment, and values that feel like a good fit, then use those patterns to explore related roles.Replace conversations about choosing the "right" career with questions about what feels energizing, what feels draining, and which environments and values stand out.Sydney's career exploration shows how combining the Birkman assessment with academic strengths, aptitudes, and personal values can reveal career fits that aren't obvious from an initial list of matches, ultimately leading her to a career in sales.Start with job families to narrow the field, then explore where different career areas overlap to uncover opportunities that traditional, linear career planning often misses. “The first one of the big mistakes we make is trying to put our kids into a box on a linear path.” – Lisa Marker-RobbinsEpisode References:Job Families Sample with Birkman Report: https://flourishcoachingco.com/jobsLearn more about Launch Career Clarity at https://flourishcoachingco.com/courseSample Birkman Report Available at: https://flourishcoachingco.com/birkman#059 Career Close-Up: Accounting Doesn't Have to be Boring with Jim Vogt https://flourishcoachingco.com/059#235 The Career Lens Most Parents Never Consider https://flourishcoachingco.com/235Get Lisa's Free on-demand video: THE CAREER IDENTIFICATION COMPASS: How To Be Certain Your 15 To 25 Year Old is On The Right Path to Launch With Confidence–Not Confusion: flourishcoachingco.com/video Join my free webinar Wednesday, August 5 at 7:30 PM EST. Click the link to reserve your spot- https://flourishcoachingco.com/qaConnect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

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