Podcasts about Yield

Rebecca Herbst reached financial independence at age 32 during the tenuous early days of the pandemic, and volunteered shortly thereafter to be furloughed from her job in commercial real estate—and so began her (extremely) early retirement.  But spending her days exactly as she wanted featured an unexpected side effect: guilt. What do you owe to others when you've gotten everything you wanted? Rebecca alchemized her sense of duty and founded Yield & Spread. In detail, we cover: What the “FI-lanthropy” pledge entails How she squares the desire to retire early with the idea of “hoarding money” Where Rebecca gives for the highest impact Who donor-advised funds might make sense for, and how they work How to donate appreciated stock, and why it might be  preferable to giving cash Subscribe to my weekly newsletter: ⁠⁠⁠⁠⁠⁠https://moneywithkatie.com/newsletter⁠⁠⁠⁠⁠⁠ Get your copy of Rich Girl Nation, one of Barnes & Noble's Best Business Books of 2025:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.moneywithkatie.com/rich-girl-nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Transcripts, show notes, resources, and credits at: https://moneywithkatie.com/the_mwk_show/the-filanthropy-pledge/ — Money with Katie's mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs. Learn more about your ad choices. Visit megaphone.fm/adchoices

On their way across the Terbic Praerie, the Skywaymen take a moment to rest at a cozy ranch house. A warm fire helps them open up to each other before heading back out to find Rennie's caravan.   Content Warnings: Language, Violence, Sexual Themes, Dark Themes ------ Please follow this link to help us feed America! https://teamfeed.feedingamerica.org/teams/PodcastersFightHunger ------ Follow this link to request an Advanced Reader Copy of CR Stroud's new book Yield: https://docs.google.com/forms/d/1z6_F7NcAt0vgzc8VaJ8D00Fpn2J6wflJ78i0c8Wh53o/edit?usp=drivesdk And, Preorder Yield NOW ------ Join the Queer Actual Play Guild, a new discord space for queer voices in the AP community! https://discord.gg/n8qsmtDCUj ------   Join our Shrimp and Crits Discord server for the official listening parties. These are every release day at 8:00PM EST. (full server only open to patrons) https://discord.gg/qCHktpeTDG ------ Support us on Patreon: https://www.patreon.com/ShrimpandCrits ------ You can follow our linktree (https://linktr.ee/ShrimpandCrits) to our website, social media, and much much more. Please subscribe, rate and review us on any podcatchers where you listen. If you'd like to get in touch, feel free to do so by email (shrimpandcritspodcast@gmail.com) or post (PO Box 60934 Nashville TN, 37206)

In this powerhouse episode of In The Lab, Ruben sits down with Jack Martin — co-founder and CIO of 52TEN, one of the top mobile home park operators in the United States. Jack brings decades of experience across development, acquisitions, capital formation, and operations, having overseen over $1B in real estate projects and more than 2,000 lots nationwide.Jack breaks down why mobile home parks sit at the lowest end of the real-estate risk spectrum, how they deliver unusually stable cash flow, and why investors from high-net-worth individuals to family offices chase the asset class for its superior tax advantages. He explains the core difference between mobile home parks and RV parks, why land improvements are the real engine of bonus depreciation, and how lot-rent economics create both affordability for residents and reliable income for operators.Throughout the conversation, Jack unpacks key levers for value creation — sub-metering, operational discipline, expense reduction, proper sizing for scale, and what separates truly institutional-quality parks from everything else. He also reveals how his team evaluates 150 deals a year and buys only three, why scarcity drives long-term upside, and how EOS, belief, and people have shaped 52TEN's rise into a market leader.This episode is a must-listen for anyone who wants to understand the real math behind mobile home park investing, see how large operators think, and learn why this niche remains one of the most tax-efficient, recession-resistant strategies in the country. Tune in now to discover why Jack calls mobile home parks “the most stable real estate in America.”Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprintHIGHLIGHTS OF THE EPISODE:08:02 Jack talks about why MHPs are lowest on the risk spectrum25:56 Jack talks about applying cost segregation KEEPING IT REAL:06:00 – Mobile home park model08:06 – Why investors choose MHPs10:36 – Bonus depreciation power12:57 – Tax buckets clarified14:49 – Investor profiles shift21:17 – Land improvements explained24:53 – Cost-seg advantage28:10 – Evaluating properties33:03 – Renting land, not homes37:56 – Tenant stability factor45:28 – Why new parks aren't built49:04 – Expense leaks & fixes53:05 – Affordability for residents57:22 – Yield expectations1:04:12 – Belief, EOS, people  Episode Hashtags: #MobileHomeParks #RealEstateInvesting #AffordableHousing #WealthStrategy #PassiveIncome #TaxStrategy #LandImprovements #MHPInvesting #FinancialFreedom #ScaleWithStabilityCONNECT WITH THE GUESTWebsite: https://52ten.com/ Linkedin: https://www.linkedin.com/in/jack-martin-52ten/

In this conversation, Lars Brunes discusses Genius Yield's innovative approach to decentralized exchanges (DEXs) through Smart Liquidity Vaults. The discussion covers the advantages of order book systems over automated market makers (AMMs), the mechanics of how Smart Liquidity Vaults operate, the role of oracles in price determination, and the challenges faced in attracting liquidity providers and users. The conversation emphasizes the potential benefits of this new system for liquidity providers and traders alike.TakeawaysGenius Yield offers an order book style DEX on Cardano.Smart Liquidity Vaults simplify liquidity provision.Order book systems can be more efficient than AMMs.Liquidity providers can set prices in both directions.Oracles play a crucial role in price adjustments.Centralization of oracles poses risks.The success of DEXs relies on user engagement.Genius Yield aims to reduce impermanent loss for liquidity providers.Theoretical advantages exist for order book systems on Cardano.Marketing efforts are needed to attract users and liquidity.Chapters00:00 Introduction to Genius Yield and Smart Liquidity Vaults02:40 Understanding Order Book vs AMM DEXs05:38 How Smart Liquidity Vaults Work08:10 The Role of Oracles in Pricing10:57 Challenges and Solutions in Liquidity Provisioning14:00 Advantages of Genius Yield's ApproachDISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

19 Minutes PodcastThis week's market outlook looks at where traders have yield expectations priced in ahead of the upcoming report, why soybean demand signals from China still are not fully showing up in the data, and how corn export strength is shaping early pricing opportunities. We cover the current cash trends, the widening basis swings across the eastern Corn Belt, and how local ethanol demand is creating pockets of stronger bids. The update also digs into South American weather and production, how global supply shifts impact both corn and soybean price potential, and why producers should watch early 2026 opportunities while making 2025 decisions. We finish with a discussion on cost of production, the impact of sticky overhead costs, and why now is the time to finalize marketing plans heading into the new year.

A bonus episode featuring albums from the 70s, 80s and 90s! Jon and Matt team up to cover the following albums:-Simply Red- "Picture Book"-Blondie "Eat to the Beat"-Red Hot Chili Peppers "One Hot Minute"-Pearl Jam "Yield"Check out our YouTube page here: http://www.youtube.com/@combingthestacks1470Check out the Combing the Stacks Letterboxd list here: https://boxd.it/bS98c

Watch the video version here: https://youtu.be/f_SWxRdWj4kOn this episode:

Crypto News: CFTC greenlights spot crypto trading on US exchanges. Citadel wrote to the US SEC calling for tighter rules on tokenized assets and DeFi. Coinbase incubated Ethereum L2 Base network rolls out bridge to Solana.Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/ 

In this episode of the Green Pill Podcast, Kevin Owocki and co-host Devansh Mehta sit down with Vitalik Buterin for their annual deep dive into the future of public goods funding in the Ethereum ecosystem. They explore where funding will come from in 2026, how the landscape has shifted from "vibes-based" funding to verifiable, dependency-driven mechanisms, and why this is the best moment to reform PGF using new tools like programmable cryptography, AI-assisted evaluation, and deep funding models. Vitalik also shares how he thinks about dependencies, credible neutrality, open-source licensing, pluralism, accountability, and what builders should prioritize in the coming year. A must-listen for anyone designing mechanisms, funding public goods, or building the next era of Ethereum governance.

Welcome back to Bri Books BriCember, and welcome to Wine Week! I'll be breaking down the age-old question: "What makes wine good?," and sharing my 'four pillars of place' to help you start to build your good wine vocabulary.  0:39: Breaking down 'good wine.' REmember, wine is an agricultural product. Let's set the stage for practical, place-based approach to wine. 1:12: Why 'terroir' matters + the 'pillars of place.'  1:51: Pillar 1: Soil type. Soil determines minerality, texture, and structural feel. 2:31: Pillar 2: Climate. Climate influences fruit ripeness, acidity, and aromatic profile. Cool climate = fresh, high acid; warm climate = ripe, fruity, plush. 3:23: Pillar 3: Elevation and aspect. Elevation affects temperature swings (diurnal shifts). Sunlight, rainfall, and altitude shape ripeness and freshness. 4:33: Pillar 4: Vine health and farming. Farming practices (organic, biodynamic, low-intervention) matter. Yield, canopy management, and vine age influence quality. Winemakers' traditions are the key expression of terroir. 5:25: Deep dive: soil as the "starting palette" for winemaking. 6:10: Deep dive: climate and elevation's impact on wine aciditiy and aromatics.  7:52: Deep dive: farming practices and the importance of winemaking traditions 9:55: Wine as an agricultural product, and my appreciation for farmers 10:56: What's ahead on wine week! Upcoming episodes include how to do an at-home tasting exercise, Austrian wine, Swiss wine, orange wine, Madiera wine, and wine from Burgenland.  You can always find Bri Books on Spotify and Apple Podcasts, and at bribookspod.com.

Lucas Bruder is the CEO of Jito Labs and a founding contributor of the Jito Network, a suite of Solana-based protocols that enhance network efficiency and support high-performance DeFi infrastructure. A Carnegie Mellon-educated electrical engineer, Lucas brings deep expertise in high-performance distributed systems and firmware development. Prior to Jito Labs, he served as Technical Lead at Built Robotics, where he led teams developing autonomous construction equipment, and specialized in LiDAR firmware at Ouster. Lucas combines hands-on embedded systems expertise with a proven ability to tackle ambitious technical challenges in decentralized finance. In this conversation, we discuss:- How Jito gets yield - SOL ETF bull theory - Present day Solana ecosystem - Jito's regulatory push - BAM = new execution infrastructure on Solana - The future of Robotics - Why transparency matters in high-performance trading - ACE explained simply - The future of Jito Jito LabsX: @jito_labsWebsite: www.jito.wtfDiscord: discord.gg/jitoLucas BruderX: @buffalu__LinkedIn: Lucas Bruder---------------------------------------------------------------------------------This episode is brought to you by PrimeXBT.PrimeXBT offers a robust trading system for both beginners and professional traders that demand highly reliable market data and performance. Traders of all experience levels can easily design and customize layouts and widgets to best fit their trading style. PrimeXBT is always offering innovative products and professional trading conditions to all customers.  PrimeXBT is running an exclusive promotion for listeners of the podcast. After making your first deposit, 50% of that first deposit will be credited to your account as a bonus that can be used as additional collateral to open positions. Code: CRYPTONEWS50 This promotion is available for a month after activation. Click the link below: PrimeXBT x CRYPTONEWS50FollowApple PodcastsSpotifyAmazon MusicRSS FeedSee All

Worldwide Markets – Episode 659 Show Notes "It's Been a Year… But Markets Loved It"

In today's Five Question Friday (FQF) video, we look at these five topics:1. 10% yield on bonds2. Where to hold bonds3. Co-signing a mortgage4. Paying taxes on a Roth conversion5. Asset allocation of real estate investmentsBonus: Cost of long-term care calculatorResources:https://www.carescout.com/cost-of-careJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

The new ‘Yield Mode' feature integrates Aave to offer non-custodial, onchain yield directly within Tangem's app. The Black Friday deal wraps up with the $10 bonus in BTC. Also, keep in mind that the deal remains valid from November 21, 2025, to December 9, 2025. ~This episode is sponsored by Tangem~Tangem 20% OFF + $10 BTC ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!GUEST: Marcos Nunes, CEO of Tangem Pay00:00 Intro00:10 Tangem Black Friday deal01:00 Users on Tangem01:20 Self-custody instant spending03:30 Tangem swap speed04:30 Launch date?05:20 When more providers like coinbase or robinhood?07:30 Buying crypto directly on Tangem Pay09:30 How will retailers see transactions?10:50 Will you need Banking license?11:30 Including RLUSD yields?12:50 What blockchains are you using for stablecoins?14:00 Why not a Tangem POS system?17:15 Tangem Pay vs bank cards19:30 Banks using stablecoins20:30 Will CLARITY Act try to kill privacy and self-custody?21:30 Are CEX Debit Cards dead?24:45 Outro#Crypto ~Black Friday Crypto Wallet Now PAYS YOU!?

Jillian Friedman, COO at Symbiotic, sat down with me at Chainlink SmartCon to discuss Symbiotic's universal staking layer solutions.Brought to you by

Ares is recognised as one of the leading global alternative investment managers, investing across credit, real estate, private equity and infrastructure. Listed on the NYSE, it has over 4,000 employees, $595billion in assets* and a substantial geographical footprint. Blair explains the high yielding Ares-managed listed vehicle, ARCC, which as a business development company (BDC) structure must distribute 90% of taxable income and averages 9% of yields*. He discusses how being a public entity gives them a “currency” which is highly valued by employees, and also how it has helped with brand recognition as its growth accelerated. We discuss European capital markets and the structural reliance on bank debt versus private credit (the inverse of arrangements in the US). He explains how it is changing, as well as the current headwinds and opportunities ahead. He discusses why over 1,400 conversations take place in Europe each year, but Ares makes less than 50 loan investments in direct lending, how they are deploying over $100 billion of dry powder firmwide, and the criteria that matter for them. He explains their focus on the middle market, their ownership of sports assets – including a $500 million preferred equity stake in Chelsea FC – and their other media and entertainment investments. Finally, Blair responds to the question around the growth of credit secondaries and continuation vehicles, assessing the motivation behind the growth, and risks associated with the wealth management sector's increasing allocation to this space.   The Money Maze Podcast is kindly sponsored by Schroders, IFM Investors, World Gold Council and LSEG.  Sign up to our Newsletter | Follow us on LinkedIn | Watch on YouTube  (*AUM as of 30/09/25, BDC distribution stats as at 04/11/25)

Stablecoin yields are returns generated by depositing stablecoins into third-party platforms or protocols, not from the stablecoins themselves. These yields, which typically range from 2% to over 15% APY, are derived from various mechanisms like lending, liquidity pools, or real-world asset (RWA) backing. ~This episode is sponsored by BTCC & Tangem~BTCC 10% Deposit Bonus! ➜ https://bit.ly/PBNBTCCTangem 20% OFF + $10 BTC ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:08 Sponsor: BTCC00:39 The Year of Stablecoins01:08 Bank Yields Suck01:38 Be Your Own Bank01:56 Bluechip Stablecoins02:32 Free Portfolio Tracker02:50 Sponsor: Tangem Yields with Aave03:26 PYUSD on Aave03:50 RULSD on Aave04:08 RLUSD on Euler & Doppler Finance04:39 USDG on Solana05:04 PYUSD on Kamino05:29 USDC on Sui & Kai Finance Vault05:59 Slush Wallet Vault Monitoring06:28 USDF on Flow & More Markets06:58 USDF on KittyPunch07:50 Avant on Avalanche08:11 Yield Yak Intelligent USD08:33 Farm $SONEX on Soneium09:04 Farm $KAT on Katana09:55 Virtuals & A.I. Agents11:38 Yield Guide Rule List13:36 Wait For Ripple & Crypto Banks?14:14 outro#Crypto #Stalecoin #XRP~Stablecoin Yields Strategy Guide

Labor market reports released after the government shutdown present a mixed picture for the Federal Reserve's interest rate decision on December 10.On a positive note, the Bureau of Labor Statistics reported 119,000 new jobs were added in September on a seasonally adjusted basis, more than double what many economists expected, but there was a downward revision of 33,000 jobs combined for July and August.The unemployment rate was 4.4% in September. It remained low by historical standards, but it was higher than any period since late-2017 other than 2020-2021 which was impacted by the pandemic.Another good sign is that initial unemployment insurance claims remained at a normal level through the week ending November 15 despite announcements of layoffs from several prominent companies.Unfortunately, continued claims for unemployment were up by approximately 100,000 from the prior year. As of November 8, the weekly level reached almost 2 million and it was the highest since 2021. The trend suggests those losing their job are having a harder time finding their next role.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Omnia is the CoFounder of Kinetiq.In this new episode of Yield Talks on The Edge Podcast, we dive into an overview of HIP-3 markets, Kinetiq's token launch tomorrow, and what a Hyperliquid builder might speculate on happening next, following the upcoming one year anniversary of the HYPE airdrop.------

Holiness by Fear of the Lord (1) (audio) David Eells – 11/26/25 There is NO Ego in the Body of Christ Eve Brast - 10/22/2016 (David's notes in red) While everyone was sharing last night, Father brought a scripture to mind: 1Pe.4:18 And if the righteous is scarcely saved, where shall the ungodly and sinner appear? 19 Wherefore let them also that suffer according to the will of God commit their souls in well-doing unto a faithful Creator. I thought that this was a very weighty and impactful statement, and it makes me tremble with Godly fear at its implications. And then I thought about the next verse, 19, that when we are bitter and unforgiving, critical or judgmental, we are actually being unwilling to “suffer according to the will of God”. Later, I thought about what Jesus said in Joh.13:16 Verily, verily, I say unto you, a servant is not greater than his lord; neither one that is sent greater than he that sent him. Jesus suffered injustice and wrongful treatment at the hands of evil people His whole public life: “A man of many sorrows and acquainted with grief”. Should we expect, as His disciples, not to endure the same? I pray for myself and us all that Father will fill us with the same grace to endure the suffering according to His will and recognize that ultimately it comes from Him. If we fight against it, we only delay our progress. While driving to that Friday night meeting, I asked Father to give me confirmation during our meeting if I was to share the word He gave me on Thursday, 10/20/16. So while David was speaking to us about pride and humbling ourselves, he used the term “ego,” which seemed to be the main theme of the Word Father had given me. I knew then that it was the confirmation that I had asked for, and I knew He wanted me to share it with the brethren. So here is that word: “You were created for My purposes and Mine alone. You were created to serve Me, My Kingdom, and your fellow servants. Your sole purpose is to glorify the Name in all you think or do. The body is one. There is no ego in the body (which is His body), no separateness, no fleshly individualism, which is factious and divisive, no independence. There is one Spirit and all who abide in Me and My Son will have the same Spirit. They will have My desire for the life I've given them and for others. There is only one personality, one character in the Body. Ego and individualism are rebellion and Jezebel. (Unforgiveness, offense, anger, self-justification, faction, criticism, slander, backbiting, railing, are all part of this witchcraft spirit.) The life I gave you is not your own. I ransomed you. You belong to Me. Your allegiance is to Me, not to man and the flesh. Serve Me with unwavering loyalty. Understand that this is your sole purpose. There is no other life or reason to exist. Those who live for themselves don't consider My will and they are choosing death. They are choosing separateness, individualism, and separation from Me”. (And, I would say, separation from His character [and his true body].) I posted a word from Father: “Let My Spirit have free course in you”. In which He said, “Get rid of the “I's” and let there be only Me”. Here it is: (I've been hearing this phrase for about two weeks now: “Let My Spirit have free course in you”. So on Wednesday, I asked Father what He wanted to share about this. I really felt the heart of His Spirit pouring out to me while He spoke. I hope it will bless y'all, too. :0) He said, “Come away with Me, My love! Come away with Me, My Bride. I desire to be your only love. I desire to be the only one reflected back to Me in the eyes of My dove. Let My Spirit have free course in you. Surrender to Me. Yield your control to Me. Be still and hear the voice of My Spirit. Let My Holy Spirit lead and guide you into all obedience. I long to be in sweet communion with you, undistracted and unhindered”. “Do you trust Me, My love? Do you truly trust Me? Allow Me to have free course in you. Trust Me to live and move through you as a vessel of honor for My people and My Kingdom. For this purpose, I created you. Get rid of the “I's” and let there be only Me! There is no other fulfillment; no other satisfaction; no other completion outside of sweet communion with Me”. I looked up the word Ego and this was one of the things that was mentioned: Ego is the Latin word for “I”. So if a person seems to begin every sentence with “I”, it's sometimes a sign of a big ego. Thank you, Father, for giving us Your grace and Your humility. Help us to rid ourselves of pride and ego, self-centeredness, or self-importance. By faith, we believe that You are perfecting Christ's character in us. Help us to have the desire and strength to commit ourselves to You and to well-doing, in Jesus' name. Amen. Love to you all, Eve.   Pride, Independence and Egotism is not of the Body David Eells (Notes in red) Proud and independent people do not control their tongue so they destroy the unity of the body and are not part of the body. Jas.3:5 So the tongue also is a little member, and boasteth great things. Behold, how much wood is kindled by how small a fire! 6 And the tongue is a fire: the world of iniquity among our members is the tongue, which defileth the whole body, and setteth on fire the wheel of nature, and is set on fire by hell. Those whose tongues do not conform to the confines of scripture destroy the body of Christ and are guilty of its blood. 7 For every kind of beasts and birds, of creeping things and things in the sea, is tamed, and hath been tamed by mankind. 8 But the tongue can no man tame; it is a restless evil, it is full of deadly poison. Which comes from the evil heart: “Out of the abundance of the heart the mouth speaketh”. 9 Therewith bless we the Lord and Father; and therewith curse we men, who are made after the likeness of God: 10 out of the same mouth cometh forth blessing and cursing. My brethren, these things ought not so to be. 11 Doth the fountain send forth from the same opening sweet water and bitter? 12 Can a fig tree, my brethren, yield olives, or a vine figs? Neither can salt water yield sweet. 13 Who is wise and understanding among you? let him show by his good life his works in meekness of wisdom. 14 But if ye have bitter jealousy and faction in your heart, glory not and lie not against the truth. Faction always lies because it is a demon spirit and speaks in order to deceive and take captive even the innocent. Faction is causing division for selfish ambition to make disciples, so there is lying and jealousy involved. Faction is separation and independence from the body and its leadership. 15 This wisdom is not a wisdom that cometh down from above, but is earthly, sensual, devilish. 16 For where jealousy and faction are, there is confusion and every vile deed. Every vile deed describes well the independence from the body that the faction has and creates in others. Unforgiveness, offense, anger, self-justification, faction, criticism, slander, backbiting, railing, lying, theft, deception, witchcraft, graft, extortion, lust, fornication, perversion, are all brought in by the faction spirit. On the other side of this Beast, the election has revealed this same nature in our government. Ever wonder why they can justify killing Christians all over the world and are ready to do it here? So don't feed on that, or you can receive that spirit. Those Christians who receive this spirit also murder the brethren through slander, introducing them to faction unawares. I have seen faction demons take over brethren who had a lust to rule over the body. I have seen them side with and even become homosexuals under this spirit several times. I have seen brethren taken over by lust after receiving this spirit. I have seen them try to bring convicted unrepentant pedophiles and womanizers into the church and get angry and leave when I forbade it. I have seen them go into grand theft many times. One man stole 300 silver coins that were to be given to the poor brethren, and then a sound system from the church. Another stole a commercial lawnmower. Another stole tractor equipment. I have seen them steal money from the brethren many times when this spirit comes upon them. One man who was hiding his sin among us had spent many years in federal prison for theft, and when he came to us, he was sued because he forged a check sent to his ex-wife for around $22,000, and the judge threw him in jail until he would give the money back to his ex-wife. His new wife told me he still had the money, so I convinced him to give up his stolen money to get out of jail. When faction totally consumed him, he told everyone that I stole the money from him. This is the kind of perversion these spirits do. And these cannot be convicted of any sin. They are no longer moved or constrained by scriptures. I have seen them join religions that were not Christian or go under the law as a Jew to try to be justified because they never have faith for grace anymore when that spirit enters them. As David Wilkerson witnessed, their main target is the true leadership of the church, just like Satan. None of these people would have considered these “vile deeds” before receiving the faction spirit. They were turned over to this because they were hiding a sin or had one of the forms of unforgiveness. So, fear God and avoid like the plague anyone who wants to whisper in your ear against others. These people have lost many years that they could have been bearing fruit, and some are lost eternally. As one man told us when he partially repented and came to us, “The Lord told me that this is my last chance”, and even knowing this, he didn't take it. I pray for all of these people that, like Nebuchadnezzar, they would be granted grace to snap out of this demon possession. Continuing with our James 3 text: 17 But the wisdom that is from above is first pure, then peaceable, gentle, easy to be entreated, full of mercy and good fruits, without variance, without hypocrisy. 18 And the fruit of righteousness is sown in peace for them that make peace. Jas.4:1 Whence come wars and whence come fightings among you? come they not hence, even of your pleasures that war in your members? 2 Ye lust, and have not: ye kill, and covet, and cannot obtain: ye fight and war; ye have not, because ye ask not. 3 Ye ask, and receive not, because ye ask amiss, that ye may spend it in your pleasures. 4 Ye adulteresses, know ye not that the friendship of the world is enmity with God? Whosoever therefore would be a friend of the world maketh himself an enemy of God. 5 Or think ye that the scripture speaketh in vain? Doth the spirit which he made to dwell in us long unto envying? Envy and jealousy come from ego. The Bible codes say, “Ego IS the antichrist”.) 6 But he giveth more grace. Wherefore the scripture saith, God resisteth the proud, but giveth grace to the humble. 7 Be subject therefore unto God; but resist the devil, and he will flee from you. 8 Draw nigh to God, and he will draw nigh to you. Cleanse your hands, ye sinners; and purify your hearts, ye doubleminded. 9 Be afflicted, and mourn, and weep: let your laughter be turned to mourning, and your joy to heaviness. 10 Humble yourselves in the sight of the Lord, and he shall exalt you. 11 Speak not one against another, brethren. He that speaketh against a brother (Slander and blaspheme mean to speak against another.), or judgeth his brother, speaketh against the law, and judgeth the law: but if thou judgest the law, thou art not a doer of the law, but a judge. 12 One only is the lawgiver and judge, even he who is able to save and to destroy: but who art thou that judgest thy neighbor? The independent are proud, unforgiving, and judgmental. They are their own God. Mat.6:9 After this manner therefore pray ye. Our Father who art in heaven, Hallowed be thy name. 10 Thy kingdom come. Thy will be done, as in heaven, so on earth. 11 Give us this day our daily bread. 12 And forgive us our debts, as we also have forgiven our debtors. 13 And bring us not into temptation, but deliver us from the evil one. 14 For if ye forgive men their trespasses, your heavenly Father will also forgive you. 15 But if ye forgive not men their trespasses, neither will your Father forgive your trespasses. The unforgiving person is under the curse of Deuteronomy 28 because they are not forgiven. The independent person does not have to “obey them that have the rule over you”, for they make themselves elders, prophets, pastors, apostles, etc. They judge others unworthy of grace and therefore have no grace from God to avoid judgment. Mat.18:34 And his lord was wroth, and delivered him to the tormentors, till he should pay all that was due. 35 So shall also my heavenly Father do unto you, if ye forgive not every one his brother from your hearts. The tormenting demons then take this person to show them what it is to have God's unforgiveness with no grace and if they still do not repent, they are reprobated.) Jas.2:7 Do not they blaspheme the honorable name by which ye are called? 8 Howbeit if ye fulfil the royal law, according to the scripture, Thou shalt love thy neighbor as thyself, ye do well: 9 but if ye have respect of persons, ye commit sin, being convicted by the law as transgressors. 10 For whosoever shall keep the whole law, and yet stumble in one point, he is become guilty of all. 11 For he that said, Do not commit adultery, said also, Do not kill. Now if thou dost not commit adultery, but killest, thou art become a transgressor of the law. 12 So speak ye, and so do, as men that are to be judged by a law of liberty. 13 For judgment is without mercy to him that hath showed no mercy: mercy glorieth against judgment. We will be judged by grace if we give grace; we will be judged by the law if we judge others according to law. Mat.7:1 Judge not, that ye be not judged. If you are being judged, you are likely judging others. This judging is manifested in separation, unforgiveness, anger, wrath, etc. 2 For with what judgment ye judge, ye shall be judged: and with what measure ye mete, it shall be measured unto you. As much as you judge, is how much you will be judged. 3 And why beholdest thou the mote that is in thy brother's eye, but considerest not the beam that is in thine own eye? 4 Or how wilt thou say to thy brother, Let me cast out the mote out of thine eye; and lo, the beam is in thine own eye? 5 Thou hypocrite, cast out first the beam out of thine own eye; and then shalt thou see clearly to cast out the mote out of thy brother's eye. Rom.2:1 Wherefore thou art without excuse, O man, whosoever thou art that judgest: for wherein thou judges another, thou condemnest thyself; for thou that judgest dost practise the same things. (When a person has demons, they are the grossest hypocrites, for they accuse others of doing exactly what they do and get judged for it.) 2 And we know that the judgment of God is according to truth against them that practise such things. 3 And reckonest thou this, O man, who judgest them that practise such things, and doest the same, that thou shalt escape the judgment of God? Rom.14:4 Who art thou that judgest the servant of another? to his own lord he standeth or falleth. Yea, he shall be made to stand; for the Lord hath power to make him stand.... (This is where our faith must be: that God will save them through their afflictions.) 10 But thou, why dost thou judge thy brother? or thou again, why dost thou set at nought thy brother? for we shall all stand before the judgment-seat of God. 11 For it is written, As I live, saith the Lord, to me every knee shall bow, And every tongue shall confess to God. 12 So then each one of us shall give account of himself to God. 13 Let us not therefore judge one another any more: but judge ye this rather, that no man put a stumblingblock in his brother's way, or an occasion of falling. Rom.12:16 Be of the same mind one toward another. Set not your mind on high things, but condescend to things that are lowly. Be not wise in your own conceits. 17 Render to no man evil for evil. Take thought for things honorable in the sight of all men. 18 If it be possible, as much as in you lieth, be at peace with all men. Mat.12:36 And I say unto you, that every idle word that men shall speak, they shall give account thereof in the day of judgment. 37 For by thy words thou shalt be justified, and by thy words thou shalt be condemned. (So, if you are an impulsive person saying things that are not right it will come back to bite you with out repentance and confession.)   Holiness Protects from the Curse B. A. - 12/24/2013 (David's notes in red) I dreamed that I was having a dream, and in this dream, I woke up and I was surrounded by tiny black particles (representing the curse). Deu.11:26 Behold, I set before you this day a blessing and a curse: 27 the blessing, if ye shall hearken unto the commandments of Jehovah your God, which I command you this day; 28 and the curse, if ye shall not hearken unto the commandments of Jehovah your God, but turn aside out of the way which I command you this day, to go after other gods, which ye have not known. (Only the true people of God with “spiritual eyes” [renewed by the Word of God] can see the curse around them.) I got up out of bed and went outside, and these black particles were everywhere. I began to fan my right hand up in the air, and I watched as these black particles just moved about. Then I turned my hand palm-side up, and I watched as these black particles hovered just a few inches from my hand. It was amazing. These particles could not touch me in any way. I began to walk around, and I watched as these black particles just moved out of my way. (If we are abiding in Jesus Christ, we have a blood covering and we are protected from the black curse.) (Scientists have proven in Quantum Physics the smallest particles are everywhere and called the quanta. They take on no physical attributes until you believe something. Then they become that, whether good or bad, as in white or BLACK. A black particle is something to avoid with you renewed mind. Jesus affirmed this in Mark 11:24 … All things whatsoever ye pray and ask for, believe that ye received (Greek) them, and ye shall have them. Also, Pro 23:7 For as he thinketh within himself, so is he…. (It is not the word of religious leaders that causes us to abide in Jesus, but the Word we received in the beginning. If we abide in this Word, we abide in Jesus. Joh.1:1 In the beginning was the Word, and the Word was with God, and the Word was God. 2 The same was in the beginning with God. 3 All things were made through him; and without him was not anything made that hath been made. 4 In him was life; and the life was the light of men. White particles were all around Jesus. 1Jn.2:24 As for you, let that abide in you which ye heard from the beginning. If that which ye heard from the beginning abide in you, ye also shall abide in the Son, and in the Father. Jesus, the Word, which was given in the beginning, is the secret place that we hide from the black curse. When we believe the white word of promise we get it. Psa.91:1 He that dwelleth in the secret place of the Most High Shall abide under the shadow of the Almighty. I asked the Father this question: “Father, what are these black particles?” He replied, “You know what they are”. I said, “I do?” And the Father said, “Yes, you do; just think about it”. So I did. I stood there looking at these black particles, when I got the revelation that these black particles are the curse. I said to the Father, “I know what these tiny black particles are! They are the curse, and they are all around us. But if we are abiding in Jesus Christ, they can't even touch us! Wow, Father! This is awesome!” 2Co.5:21 Him who knew no sin he made to be sin on our behalf; that we might become the righteousness of God in him. Gal.3:13 Christ redeemed us from the curse of the law, having become a curse for us; for it is written, Cursed is every one that hangeth on a tree: 14 that upon the Gentiles might come the blessing of Abraham in Christ Jesus; that we might receive the promise of the Spirit through faith. Joh.15:4 Abide in me, and I in you. As the branch cannot bear fruit of itself, except it abide in the vine; so neither can ye, except ye abide in me. 1Jn.2:24 As for you, let that abide in you which ye heard from the beginning. If that which ye heard from the beginning abide in you, ye also shall abide in the Son, and in the Father. Just then, the Father showed me an hourglass, and He asked me this question: “Daughter, what do you see?” I said, “I see grains of sand at the bottom of an hourglass”. Isa.10:22 For though thy people, Israel, be as the sand of the sea, only a remnant of them shall return: a destruction is determined, overflowing with righteousness. Isa.44:3 For I will pour water upon him that is thirsty, and streams upon the dry ground; I will pour my Spirit upon thy seed, and my blessing upon thine offspring: 4 and they shall spring up among the grass, as willows by the watercourses. Isa.56:5 Unto them will I give in my house and within my walls a memorial and a name better than of sons and of daughters; I will give them an everlasting name, that shall not be cut off.) There appeared to be only about 1/8 of the sand left in the hourglass. (I believe these particular grains of sand represent God's elect, and the Father was showing me that these particular grains of sand (or His elect) are those who are coming into the image of Jesus to be sons and daughters, as we are drawing near to the end of days.) I asked the Father, “Father, does this mean that time is running out?” And He replied, “Yes. I only created so much time in the beginning, and when it's gone, it is finished.” Gen.6:3 And Jehovah said, My spirit shall not strive with man for ever, for that he also is flesh: yet shall his days be a hundred and twenty years. (Time is running out to get into the secret place of Jesus because the curse is coming to devour the whole earth, as Isaiah and Revelation show. Isa.24:5 The earth also is polluted [Radiation in the Pacific, oil in the Gulf and Atlantic, biologicals in the atmosphere, poisons from chemtrails in the air, earth and water, our food sources, solar, volcanic, earthquakes, comets, asteroids, meteors, etc.] under the inhabitants thereof; because they have transgressed the laws, violated the statutes, broken the everlasting covenant. 6 Therefore hath the curse devoured the earth, and they that dwell therein are found guilty: therefore the inhabitants of the earth are burned, and few men left. Deuteronomy 28 is a long list of the curses, a sample of all the curses seen around us that Jesus, the Word, delivers us from. The cause of these curses is in: Deu.28:15 But it shall come to pass, if thou wilt not hearken unto the voice of Jehovah thy God, to observe to do all his commandments and his statutes which I command thee this day, that all these curses shall come upon thee, and overtake thee. What a curse it is to not read the New Testament to know how to avoid this. I say “a sample” because we are also told that if it's not listed here, God will also put that on you for your disobedience. 61 Also every sickness, and every plague [Does not mean disease. Hebrew meaning “a blow; to smite”.], which is not written in the book of this law, them will Jehovah bring upon thee, until thou be destroyed. Jesus came to bear the curse for we who believe by “working in us to will and to work for His good pleasure”, [Philippians 2:13] meaning He puts the gift of obedience in us when we believe the good news that He took away our sins and the curse.)   Walk in the Infamous Place of Holiness K. H. - 10/23/2008 (David's notes in red) In a dream, I was with a group of students headed toward a convention center when all of the people we encountered along the way tried to discourage us from going there because they said it was in a bad part of town and was very dirty there. No matter what was said, we still kept on walking toward the convention center. When we got there, we all went through the doors, and as soon as I walked through the glass doors, I saw how nice it looked inside. I didn't see that it was dirty like the people had said it was going to be. (The Convention Center is where the students are going to truly learn of God. Apostates have always believed such a place is unclean. The Pharisees thought that Jesus was a false teacher and His students were deceived.) All the other students filed into the auditorium, but I needed to go to the bathroom, and at this point, I felt the need to take off my shoes. I initially began to recall what the people along the way were saying about how dirty a place it was and started to become concerned about where I was about to walk, but I cast that imagination down and just said to the Lord, “I trust you”. I started to head for the bathroom and began to feel how clean the tile and carpet felt under my feet and once I got to the bathroom, I was even more amazed. When I walked into the bathroom, it was the most pristine and cleanest bathroom I think I have ever seen. I knew now without a doubt there was nothing dirty about this place, and began to feel the peace of the Lord about being barefoot. (This training center is holy and clean.) After I was finished in the bathroom, I left to find my seat with my parents in the auditorium for our meal that we were going to have together. I was so filled with joy and peace that I didn't even notice that I didn't have my shoes on when I went into the auditorium. (The spiritual food served here is holy and clean.) When I woke up, I was reminded that I had taken my shoes off my feet in the dream. It was then brought to my attention that when in the presence of God, Moses had to remove his shoes so that he would not be separated from the holiness of God. (Our feet are not to be separated from holy or clean ground, meaning we are to walk in a place of holiness with God.) From what the Lord showed me, I know that this is why I felt led to take my shoes off as well, because I was entering into the holiness of God. The Lord also revealed to me that the students in this dream represented the students of His Word. As students of His Word, we will have many come against our walk with the Lord, but we have to hold fast the confession of our faith that it waver not and walk in spirit and in truth. No matter what the flesh tries to tell us, we have to lean not on our own understanding but just trust in the Lord. This life that we live is not our own, but it is Christ's to live in us; He is our hope of glory. When I didn't notice that I didn't have my shoes on, I believe that it signified walking in His holiness and in His rest; the flesh had been crucified. Thank you Jesus!   Walk Before Me in Fear and Trembling  Debbie Fenske 11/2/25 I would like to share this word that the Lord began speaking to me at 4:45 this morning. He actually woke me at 2:30, and I was in much prayer, for myself, doing much confessing before the Lord, and praying for all of my family, for our body here, and all our families, for David and Michael, and all of UBM, and for all the Elect of the Lord. Then I heard the Lord say, “I want to speak to you, My Beloved.” So, I quickly got out of bed and went and grabbed my notebook and pen. And the Lord began to continue speaking this. “I speak to you, My Beloved, the Elect of God whom I have drawn unto Myself. Yes, you who are My Elect, who I have drawn to Myself with My everlasting love. I say to you, who My eyes have beheld as My Bride from before the foundation of the world; let not this calling negate the fact that you must walk always before Me in fear and trembling. Though I have drawn you to Myself, and have allowed My grace to abound unto you, fear Me, My Bride. Walk before Me in holy fear, and be holy in all your ways, in all your manner of speech, all your days. It has long been the time that you have basked in Me through the love and truth of My Word that enables you to walk with Me, and in Me with a perfect heart. My Beloved, My Bride, I have poured out upon you the anointing of My Spirit, that you will shine forth My beauty, My glory, in all My truth. I have chosen you to be My glory upon this earth, as also many more whom I am perfecting. But you must remember to walk, to live in holiness before Me, in fear and trembling. Yes, My beloved ones, there is always this one condition, holiness, with total and complete surrender. Seek Me about this holy surrender. It is what My Bride must be; wholly surrendered unto Me in all things, understanding that I am your all in all, your Everything. I am your life, your breath, the Giver of TRUE life, sustaining you in all your ways. All the many ways known only in Me, your provider and your complete sustenance, and your righteousness. I will be opening doors before you, and you will enter. There will no longer be anything of this world holding you back. Only a walk of holy fear and trembling before Me will keep your garments shining brightly, reflecting to all your beauty, your anointing, reflecting the brightness, even the glory of My very presence, life, and character before the world. What will this do? It will draw all men unto Me. All whom I have called and ultimately chosen. Remember, “Fear and trembling.” This is your daily, your hourly, and your minute-by-minute assignment. Will you remember? For I will reveal My will to you in ways you have never considered. And I will certainly lead you down paths you have not yet walked. You will know it is I leading you. You will not doubt. For walking before Me with fear and trembling will cause you to know that, “This is the way. Walk ye in it.” It will require much self-denial, so much more than you have known. This is what a walk with fear and trembling before Me will do. And this is how My perfection will be seen in and through you, and will draw many unto Me, completing your part in bringing many into the Kingdom of Heaven. Rejoice that in all of these things I have chosen you. Rejoice in Me, My Bride, My holy companions, walking step-by-step with Me, in Me. Oh, rejoice, My Beloved! Again, I say rejoice! Let your rejoicing in Me lead you on. Even through all the times when you will not know what lies ahead, I will lead you on. Down every path, and every crooked turn, I will help you to say, “Yes, Lord!” After I finished writing this down, I wanted to see what my word for the day was. I was excited because I felt really compelled to look at it right then. It is always a chapter a day. I thought it was amazing and very timely, that when I opened it up, the chapter to read was Ruth Chapter 1. I took this as confirmation. Thank You, Father. I pray You let this word speak to our hearts and move us on in our walk in You with holy fear and trembling, and with knowledge and understanding of all things You would have us to let go of, thoughts we think, and things we do that will otherwise keep us from having a holy fear of You, Lord, and not allow Your glory to shine forth from us in Your fullness. We need Your help, Father. So help us, Lord. Lead us on! Amen!

In this episode of the Grow the Future podcast, we're shining a spotlight on the Irish market and Yara's exciting new 20's fertiliser!Join Area Manager Jan Jesema as he reveals why this innovative, sulphur-rich compound fertiliser is making waves. Discover how it's transforming grassland and grazing systems across Northern Ireland, the key differences in analysis levels, and why getting your spreader settings right is essential.Plus, Jan shares practical advice on planning phosphate applications—helping you stay ahead and maximise your farm's potential.

Nothing has caused more loss of principal in Real Estate than too much debt. Leverage works great in an upward trending market, but it cuts the other way in a downturn.  Joel Friedland, Principal of BRIT properties, has been buying infill industrial properties with all cash since learning the hard way during the 2008-09 financial crises. Joel and his investors are seeking conservative investments with the primary goal of capital preservation. He buys highly sought-after properties that appeal to both owner-users and tenants. Joel specializes in industrial properties in Chicago that deliver 7% unleveraged returns.

We are back in Grace, Idaho, talking with fifth-generation farmer, Ryan Christensen, about the importance of return on investment (ROI) and yield.   Ryan shares what ROI actually means, why it's important, and why he farms for a greater ROI over a greater yield (hint: it's all about profitability).   Tune in to hear how Ryan has improved and increased the ROI of his operation, from implementing conservation tillage to testing out new methods of fertilization. Plus, he shares how he evaluates his ROI using real-time data and on-farm technology.   Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com   Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

We are back in Grace, Idaho, talking with fifth-generation farmer, Ryan Christensen, about the importance of return on investment (ROI) and yield. Ryan shares what ROI actually means, why it's important, and why he farms for a greater ROI over a greater yield (hint: it's all about profitability). Tune in to hear how Ryan has improved and increased the ROI of his operation, from implementing conservation tillage to testing out new methods of fertilization. Plus, he shares how he evaluates his ROI using real-time data and on-farm technology. Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Krista Lynch, Senior Vice President, ETF Capital Markets at Grayscale to discuss: the crypto ETF landscape, how staking works, what's coming next in this space and much more. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Special Patreon Release: Janelle Rupp Conversations with your Teen About Sex Puberty and Identity   *DISCLAIMER* This episode contains adult themes and is not intended for little ears.   "Walk with the wise and become wise, for a companion of fools suffers harm." Proverbs 13:20 (NIV)   *Transcript Below*   Questions We Discuss: Perhaps one of the most asked questions by Christian singles is, "How far is too far?" How do you respond to that question? Knowing the importance of educating ourselves as adults, what is the most popular sexual behavior among teens? What are some wise and age-appropriate guidelines recommend for teaching our kids about sex and sexuality?   Janelle Rupp is a Christ-follower, wife & mom of three (in that order).  Upon graduating from Cedarville University with a Bachelor's of Science in Nursing and a Minor in Biblical Studies, she worked nine years as a Pediatric ICU nurse before transitioning into nine years of nursing education for the Empower Life Center of Peoria, Illinois. There she specialized in Sexual Health with an emphasis on Sexual-Risk Avoidance. After moving to the Atlanta, Georgia area, Janelle developed a Biblically-based, Christian & Home school curriculum entitled “Remember Whose You Are: Rooting Human Sexuality in Gospel Identity." Using an expositional study of Genesis 1-3 alongside evidence-based scientific research, the four-unit program builds on itself to establish how gospel identity determines holy & healthy & holy sexuality. With a passion for both science & Scripture, Janelle is currently teaching the curriculum at North Cobb Christian School while watching the Lord grow the program at schools nation-wide.  She can be reached at jrupp.rememberwhoseyouare@gmail.com.   Recommended website for Parents: axis.org   Thank you to our sponsor: Daisy Kings Use code SAVVY to Save!   Connect with The Savvy Sauce on Facebook, Instagram or Our Website   Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”   Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”   Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”   Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”   John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”   Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcript*   Music: (0:00 – 0:09)   Laura Dugger: (0:09 - 1:31) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here. Today's message is not intended for little ears.   We'll be discussing some adult themes, and I want you to be aware before you listen to this message.   Thank you to Daisy King's, a skincare brand that meets simplicity. Their tallow-based products are made with wholesome, God-given ingredients to deeply nourish, restore, and protect your skin.   There are no toxins, no fillers, just pure, effective skincare. Visit DaisyKings.com to nourish, restore, and glow.   Janelle Rupp is my guest today, and she packed so much knowledge and inspiration into this time by educating us on a healthy view of sex, sharing God's holy and awe-inspiring design of our bodies, and ways that all of this points to Him.   She also is going to include meaningful conversations to have with our children throughout the years that they're in our home. Here's our chat. Welcome to The Savvy Sauce, Janelle.   Janelle Rupp: (1:32 - 1:35) Thanks so much, Laura. I'm so glad to be with you today.   Laura Dugger: (1:35 - 1:42) Will you just get us started by telling us a little bit about your faith journey and where it's brought you to today?   Janelle Rupp: (1:43 - 4:51) Sure. I was raised in a Christian home. I remember from a young age actually being struck with the realization that God loved me so much that He sent His own son for me.   But it really was probably more in my teenage years that I realized the depth of my sin, that it was great, and that Jesus was that bridge between who God was and who I was. Also, early on in my life, I knew I wanted to be a nurse, which is actually kind of interesting because there was no one in my family who was a nurse or in healthcare. But I had watched my mom care well for others in her family who had a myriad of mental and physical health problems.   So, I do think that the compassion that God put in my heart at a young age did find its place in a healthcare setting just over time and experiences I watched her. I really felt like my dream job would be to work in preventative healthcare, specifically with teenagers. And I had a heart for girls in really tough situations like teenage pregnancy.   It's a very marginalized group of humanity. And so, after college, I ended up in the pediatric intensive care unit at Riley Children's Hospital in Indianapolis for about seven years. And during that time, I met my husband.   We got married. We had our first child. And then while pregnant with our second, we decided to move closer to my extended family back in Illinois.   And a few years after I had our second child, I actually ended up landing that dream job that I felt like the Lord had laid on my heart way back in college. And so, I started the Empower Life Center in Peoria, Illinois in 2008. And I worked there for nearly 10 years as a nurse educator, teaching parenting and newborn classes.   But my primary role was a sexual risk avoidance educator, specializing in sexually transmitted disease and infections. And I would teach in public schools and private schools and charter schools. It's a junior high and high school level and also a guest lecturer at Bradley University in Peoria, Illinois.   And I always tell people that no one grows up and hopes to be a sex teacher one day. I did not envision that God would put me in that area of education, but he did. And so, after 10 years of doing that, when our family then transitioned down to Atlanta, Georgia for a job transfer for my husband, we had chosen to put our kids, now three kids at that point, in Christian education.   And within months, the middle school principal had heard about my background and approached me to create a curriculum for their fifth through eighth graders that was centered on a biblical view of sex and sexuality. So, I spent a series of months developing that curriculum. I then decided to go ahead and accept a teaching job to teach that curriculum.   And it's entitled Remember Whose You Are. And it's designed as a four unit developmentally appropriate program for Christian schools or homeschool environments. And currently we're in the beginning stages of equipping and training other schools to implement it at their school as well.   Laura Dugger: (4:52 - 5:17) Wow, that is so interesting to hear how you got interested in teaching others this healthy view of God and sex. And at the foundation of your teaching, you begin with a theology of God. So, I'd love to zero in on just one of your points that God is a relational God.   Will you elaborate on that and share how it ties into this topic we're discussing today?   Janelle Rupp: (5:18 - 7:13) For sure. One of my goals in teaching this is just to help my students see God for who he is, fall in love with who he is. And God being relational is one of the places where I always notice that beginning to take shape.   I find evidence for that in Genesis 1:26, where it says, “and God said, let us make man in our image after our likeness.” The definition of the word relational means a desire to pursue relationship or connection with another. And before we think of God pursuing relationship with us, it's actually really critical to look at that verse and note that God is already relational within himself. So, we see evidence in that verse that he's referring to himself in a plural sense.   And when we take that alongside other areas of Scripture as well, we see God existing as Trinity, Father, Son and Spirit, three in one, indicating that God does not need humanity for relationship. He only desires humanity for relationship. And one day, actually, when I was teaching that to a group of fifth grade boys last year, I said, God does not need you, but he wants you.   One of the fifth grade boys, in all complete sincerity, said, “Aww.” And it was one of the sweetest things I had ever heard because it was this very honest verbal expression of what it felt like to know that we are wanted by the God of the universe. I tell my students, “You know, someone only wants relationship with you when they love you.”   And so, while 1 John 4:8 tells us, “that God is love.” It's pretty amazing that way back in the first chapter of Genesis, as we find God creating man and creating woman, He's still incredibly loving that He even desired to create it in the first place. So, I think God being relational is such an important aspect to the who and the why of who He is.   Laura Dugger: (7:14 - 7:28) Absolutely. And I really envision this chat being a time when parents can listen alongside their teen or their tween or whenever it's age appropriate. So, will you just give us a glimpse of what you do teach in schools?   Janelle Rupp: (7:29 - 13:04) I would be happy too. The very first unit is just the who and the why of God. We focus on 10 characteristics of God, and then we transition to the who and the why of humanity.   What do all humans have in common? And we highlight eight characteristics that we all share in common. And then unit two, it's centered on the who and the why of me.   And specifically looking at Genesis 1:27, identity means that we're made in the image of God and that we are made male and female. So, Genesis 1:27 says, “So God made man in his own image, in the image of God, he made them male and female, he created them.” So, here we really want to introduce what does it mean to be made in the image of God as a social being, emotional being, a spiritual being, an intellectual being?   But also, what does it mean to be made with this physical body, male or female? And so, we introduced the reproductive system with an emphasis on puberty and human growth and development. And within that introduction, in that unit, I do something that's historically not been done in Christian settings, which is that I am teaching both the male and the female reproductive system to both genders.   And this next sentence may sound a little odd to some of your listeners. I know my students sometimes giggle when I say it, but I see the glory of God when I study the anatomy of both the male and the female reproductive systems and the intricacies of the design in order to see how they both work perfectly together. To me, it's awe-inspiring.   And so, I believe females have every right to see and begin to grasp the design of a male reproductive system. We use really basic anatomical diagrams for that. And then males equally have every right to see and begin to understand the basics of the female reproductive system using a diagram.   And my approach to that is clinical and scientific. It's definitely from an anatomy perspective. But I also make sure to take the time to point out some of, again, the beauty of the design.   For example, females, when they are born, are born with all the eggs that they will ever, ever have in their ovaries. And this design is super perfect because it means that you and I are not going to be 70 years old and find out that we're unexpectedly pregnant. Eventually, those eggs will run out about in our mid-40s.   And I always thank God for that design. It is a good design. Another one is just the female cervix.   The female cervix doesn't reach full maturity and protection until our early to mid-20s, where it then provides this wonderful protective barrier between the external and internal anatomy of the female reproductive system. When you explain things like that, I literally watch the kids have what I call light bulb moments, where they begin to see the why behind the design. And it's so important.   They've never taken the time to look at that and to hear it. In fact, I often call the reproductive system the forgotten body system. Christian kids in particular, they will get through a whole unit on the body having never talked about the reproductive system.   And if they are, then usually they're taught just about their own gender and they're missing that overarching beauty of what God designed. So, I think it's really important to highlight that reproductive system and for both genders. But in Unit 3, we move from the foundation of just gospel identity as made in His image and male and female into then specifically human sexuality.   And we use mostly Genesis 2 as we look through this about how God designed marriage and God designed sex, which is super clear in Genesis 2:24 and says, “Therefore, a man shall leave his father and mother and take hold of his wife and they will become one flesh.” And so, God's design for marriage and sex is clear that it's between a man and a woman. And also that that man and woman should follow the order of this verse.   First, that they leave and leaving might be dating. It might be courting. It might be pursuing a relationship.   However, we set those boundaries for our kids. And then second, that they would take hold and experience the intimacy and blessing of marriage, referencing that connection that God put Adam and Eve in through marriage. And third and last in that order, but that they become one flesh, which is referencing sex.   And so, after explaining that very good design, we transition into Genesis 3. And honestly, I love how Moses starts off the chapter here, Genesis 3, by saying, “Now the serpent.” And I always tell the kids that I hear that music in my head of dun, dun, dun. Like you just know that everything is going to change.   This good design is going to change and it's not changing for the better. And so, we start then looking at all the distortions that sin has caused within the overall topic of sex. And that means not just looking at premarital sex, but also adultery, pornography, sexting, gender identity, sexual identity.   And honestly, that list just keeps on growing every year that I teach. And so, then unit four, that last unit, is what I call the now what unit. In light of taking everything that we know now about gospel identity and human sexuality, I really encourage the kids to start really thinking about how they practically should be living in relationships with someone that they're attracted to and that they want to pursue.   And we use the entire Bible to help us answer that question. We actually end that unit with the question and answer panel discussion, using questions that the students have come up with through the course of that week. And it's always a sweet time of conversation focused on, again, gospel identity and human sexuality.   Laura Dugger: (13:06 - 13:19) Oh my goodness, that is so amazing and comprehensive. If parents are listening and they're wondering just about that diagram, what age do you recommend showing something like that? How would you respond to that question?   Janelle Rupp: (13:20 - 14:08) That's an excellent question. So, we're doing that in sixth grade. You know, it always depends on what your child's exposure and experience is, what their environment is, and their curiosity.   I think each child is so different. But in general, sixth grade would be age 11, 12, I think that's 10 to 12 for sure. But even you could probably push it as you're talking about puberty, which is where we interject it, just because it gives reference to what is a period for a girl?   Or what are the changes as a male that I'm having inside my body right now? Where's that coming from? So, I think starting as young as eight or nine to 10.   No later really than 12, I think would be really, really important.   Laura Dugger: (14:09 - 14:16) Thank you. That is helpful. I'm assuming that you're everybody's favorite teacher and that this is their favorite course to take.   Janelle Rupp: (14:17 - 14:48) We have a lot of fun. And I love when the kids buy into it. You know, sometimes I'll find that kids come in and they're a little hesitant to talk about this or they feel awkward by it.   But I think, you know, coming at it from both a clinical perspective, but also a biblical perspective, doing my best to keep them at ease and have fun as we have these conversations. Eventually, they loosen up over time. And it ends up being a really sweet time to talk about stuff that really, really matters in life.   Laura Dugger: (14:48 - 15:05) It does. And you're sharing so much truth. And it is the truth that sets us free.   And I can see where that would overcome so much confusion. So, let's even get really practical. When you're teaching these young people about sex, how do you define it?   Janelle Rupp: (15:06 - 19:12) This is such a great question. No one's ever actually asked me this. And I think it's so, so important.   The CDC definition of sex, it is very complete in its definition. It does a really good job covering what I believe are really important distinctives within that definition. And so, that definition is, quote, “Sex is defined as any part of your body and or specifically your reproductive area coming into contact with another person's body and or specifically their reproductive area.”   And one of the key points that I want to point out from this definition includes this phrase, reproductive area. I find my students have no reference for that, and even adults often don't. But simply put, the reproductive area is anything on the outside of the body that covers the reproductive system organs on the inside of the body.   So, this area actually extends from the belly button down to the genitals. A lot of times we only reference those genitals, but it actually extends belly button down to the genitals. And so, again, people are often surprised by that.   But at the same time, you know, whether it's called the reproductive area or maybe a private area, people do commonly recognize the importance of keeping that area safe and private. I often stick with that phrase, reproductive area, to reference the importance of trust when it comes to keeping things safe and private as a jumping off point to just help the kids see that a person is trustworthy if they keep you safe and if they keep things private. And again, such an important thing that we need to teach our children is that if someone pushes past what feels safe for us or pushes past areas on our body that are private, our children need to know, and we need to know those are not trustworthy people.   And furthermore, we should then give our children permission to tell someone that they do trust, hopefully us, but somebody that they do trust, somebody that keeps things safe and private about any person whose words or actions don't prove trustworthy. And as a side note, giving kids appropriate anatomical names is so important for this as well. But if you aren't using those terms and they don't understand it, we're speaking a language that they can't understand and maybe aren't able to convey.   And so, I think additionally, as children get older and you continue to reference that reproductive area as an area you keep private, I think it's super important to keep going back to theology and to Scripture. And in Genesis 1 and 2, we don't see anything having to be kept private because there was nothing that needed to be private. And in fact, the end of Genesis 2 says in verse 25, “And the man and his wife were both naked and were not ashamed.” My students giggle when we get to that verse because that sounds so foreign to them.   But reminding them that again, God's design was so good that there was nothing to be held back. They were fully intimately known by God and fully intimately known by each other and also without sin. But then when sin enters in Genesis 3, as Eve is tempted and enticed by the serpent, Adam is tempted, and enticed by Eve.   We see in that instant that sin changes every single thing because it causes Adam and Eve to then feel ashamed before God. They want to hide from God. It causes them to feel ashamed between each other.   They want to blame each other and it causes them to lose their sense of identity and purpose. And this is what happens to us, too, when sex and sin become entwined. It causes shame.   It causes us to hide. It makes us want to blame others. It causes us to question our identity and question our purpose.   But even though sexual sin changes the heart of man, it does not change the heart of God. And so, if our heart's desire is to love God in return for the love He's shown us, then our heart's desire should be to orient our lives around His design for our lives. And I would say even especially orienting our lives around His design for marriage and sex.   Laura Dugger: (19:13 - 19:23) Perhaps one of the most asked questions by Christian Singles is, How far is too far? So, how do you respond to that question?   Janelle Rupp: (19:24 - 25:50) Yes, I mean, this is the question that inevitably somebody's going to ask in my classes every single year. And no doubt, I mean, I think everyone has asked that question at some point or another in their lives. I certainly did.   And I was told that that was the wrong question. And I want to explain why first and then tell you how I answer it. But the reason was because when we look at Scripture in terms of holiness, which is having our heart completely for God versus idolatry, which means having our heart turned to something else, we see over and over and over in Scripture that we can't serve two masters.   We can't serve both holiness and idolatry. Matthew 6:24 is a great example. It's talking about the idolatry of money.   But it does say that whenever our heart is going after two things, we will either end up being devoted to the one and hate the other or devoted to the other and thus hate the one. And so, in other words, as we apply it to this question, we actually can't just straddle the line of both holiness and idolatry. And a lot of times that's where this heart of motivation of how far is too far is like, what line is the line that I can get to and still be holy?   But we really can't try to find and live on that line, because healthy and holy sexuality and sexual immorality doesn't exist. It is one or it is the other. And so, that's an important truth of Scripture.   I'm always in complete agreement with everything that I just said. But I also recognize that the Bible is really, really clear on how to give us direction in terms of setting boundaries and learning how to escape and endure temptation rather than to be enticed by it. And so, I teach my students a method to answer this question using an acronym called GRAY, G-R-A-Y, just to help them think biblically and critically about this question.   And actually it can be applied to any what I call the gray areas of life where Scripture may not specifically be very black and white about what we can and can't do. For example, another easy gray area topic within this same kind of umbrella idea would be dating. We aren't specifically told if we're to encourage our kids towards dating or courting or maybe arrange marriages.   Right. And yet I believe that there's four specific steps that we can use to determine the heart of God for our lives when it comes to gray areas of life. And so, the G in gray stands for go to God and it refers to prayer.   James 1:5 encourages believers to ask God for wisdom. It says, “He will give it generously to anyone who asks.” And I think praying for wisdom is such a foundational place to start on any topic, but specifically this one.   And then the R in the acronym stands for read the word. I always encourage my students and I would encourage parents as well, actively study the word of God, finding verses that give direction for decision making on this question. How far is too far?   One that I think jumped out at me is First Corinthians 10:23. As it's again, speaking of idolatry of the heart and it says, “all things are lawful, but not all things are helpful. All things are lawful. I can do all things, but not all things are building up. And so, let no one seek his own good, but the good of his neighbor.”   So, when you apply that verse to this question of how far is too far, you begin to see that the question isn't so much is kissing OK, is anything done with our clothes on OK? But the question is more what behavior is helpful for me as I try to honor Christ with my body? What behavior builds up my desire to honor Christ with my life and or what behavior seeks to honor the person that I'm with?   And so, again, I think reading scripture can help us be able to know how to reframe that question and create boundaries. And then the A in gray stands for ask for advice. And here I encourage teens to seek out someone who is doing relationships well.   In other words, is there a couple that they admire, someone older than them that they admire, maybe a friend or sibling or a friend of a sibling, a teacher, a parent, a youth group leader? I found in my own life that God often gives wisdom through people like that. And actually, in the last 10 years, as I've been teaching this type of material, I found that asking couples that I respect this very same question.   How did you answer? How far is too far? It brings some of the best responses and encouragement that then I can share with my students to help them learn and grow.   So, I think asking for advice is a vital part of this. And then lastly, the Y stands for yield. It is the last step.   And yet it's such an important part of answering this question. Yield just simply means to wait. And you and I both know this generation does not like to wait.   Instinct gratification is their thing. And yet teaching them that there's so much value in yielding when we don't have clear answers to critical questions like this. So, I actually love to literally walk this out in front of the classroom.   I will demonstrate how, when I yield, I hold back on decisions such as how far is too far. I am always allowing myself room to continue to walk forward as I feel more certainty over the answer or I feel more led with the wisdom that God is continuing to give. However, if I walk forward without clarity, if I'm pushing boundaries that are perhaps lawful, I can.   But they're not to my benefit, not to my partner's benefit. Then it's very realistic that I am going to push farther than I am able to handle. It's going to bring harm to the relationship that I am in.   And I can't ever go back. The truth is that the line between being enticed by sin versus escaping and enduring the temptation to turn from sin. It's a thin line.   And so, helping teenagers with these four steps, I think just think more critically about where to set those boundaries is important. And then I do usually go on to encourage students to be really specific in writing out those boundaries. I'm a big fan that writing is remembering.   It stores in our long-term memory. And then to even share those boundaries in order to have accountability with them.   Laura Dugger: (25:51 - 27:47) And now a brief message from our sponsor. I would like to specifically address the ladies. Because let's talk skin care.   As moms, as women, we spend so much time caring for everyone else. But what about us? If you're tired of dull or dry skin and products filled with chemicals and fillers, it is time for something better.   God designed our skin to thrive with real nourishing ingredients. 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But I think this is really helpful having you share statistics.   So, what are some statistics you think we need to be aware of to educate us on sexuality and youth in America right now?   Janelle Rupp: (27:49 - 29:55) Yes, you know, this is constantly changing. And so, I do look for these on the regular. And so, the ones I'm currently kind of using as I educate this year, the average age of first pornography exposure is currently 11 years old.   And 1 out of every 10 visitors to porn sites are actually under the age of 10. And 22% of those are regular visitors to those sites. It's not that they're just there once.   They're regular visitors. When you talk about that next age group, 11 to 17-year-olds, 53% of them are accessing pornography. In addition, 1 out of every 14 are receiving sexually explicit material through social media, through texting.   And 1 out of every 17 are sending it, which is an interesting thing. I always tell my students that means that as people are receiving it, they're sending it to more than one person. And so, you know, somehow we could think that it's a conversation maybe staying between two people.   And almost in every case, that is not the reality. 41% of teens are engaging in sexual behavior and oral sex and vaginal sex and anal sex and what I call outer course. Every 11 minutes, CPS finds evidence of sexual abuse claims.   And 2 out of every 3 of those are age 12 to 17 years old. And then lastly, and this is kind of newer from a research study that is an important one, but identifying as LGBTQ+, has actually risen in teens on average by 4% in the last 5 years. Girls being higher than boys.   Girls averaging about 5% increase and boys at 3%. And I think, you know, you give those 9 quick statistics, and I'll be honest, you know, even every time I have to say them, I get that sinking feeling in my stomach. It takes a lot to shock me after 10 years of working with teens on this topic.   But it never feels good to say those out loud. I think it just reflects such brokenness on behalf of our culture's view of sex and sexuality.   Laura Dugger: (29:57 - 30:09) Wow, that is sobering. And if that reality feels alarming or overwhelming to a parent listening, then how would you advise them to educate their son or daughter?   Janelle Rupp: (30:10 - 33:09) Yeah, I think the scariest thing is when we allow those feelings that we're having to really just cripple us and our ability to parent our children through them. I had a mom come up last year, and she said, I'm just really exhausted by it all. I'm tired of checking up on my kid.   And, you know, as a mom of teenagers, I hear that. I resonate with that. But I think we need to fight through those feelings and encourage each other to fight through those feelings in order to parent with intention and godliness when it comes to these subjects.   I developed this Remember Who's You Are curriculum for students, but I 100% believe that parents are to be the first go-to for our kids on these topics, whether they feel like they have all the answers or not. It's really not the role of the school, nor of the church, nor of the youth pastor. It is primarily and foundationally the role of parents, with ideally then the school and the church, you know, locking arms with parents, coming alongside with a similar message.   And so, when it comes to equipping parents, which is something I feel strongly about as well, in order to have these ongoing conversations, I break down educating parents with three regular statements to help them kind of combat those feelings of overwhelmed or anxiousness when it comes to these topics. And the first regular statement would be to regularly educate yourself. We can't teach what we don't know.   And so, parents need to have answers to questions, and I'm going to give a series of questions here that I think need to be answered as examples, but there's certainly more. But questions like, what is God's design? Again, what is the reproductive area?   What does sexting mean? What does sending nudes mean? Because that's becoming actually a more popular phrase right now than using the phrase sexting.   Why is not porn good for our brains if it actually keeps us from not having sex outside of God's design? That's a question I've been asked. And a follow-up to that, what does the Bible say about masturbation?   How does a condom work? I've been asked that one. What is the most popular sexual behavior among teens?   Those are some toughies. You don't just kind of like pop out an answer to that without dedicating some time to researching those answers. I don't think that this needs to be an overwhelming amount of time.   In fact, I actually just encourage parents to set aside 15 to 20 minutes once a week, maybe even once every other week, but just put it on the calendar so that you really devote yourself to that time. You know, I think we dedicate ourselves as parents to things we care about. And I don't mean to say this harshly, but many moms spend much more time exercising than they do in their Bibles and figuring out answers to these questions and apologetic type answers.   And parents, you know, we spend a lot of time talking to our kids about sports and grades. And yet these are topics that have lasting relational impacts for their lives, not just in our family, but in their family to come. And so, we have to be diligent to set aside time and regularly educate ourselves.   Laura Dugger: (33:09 - 33:38) Janelle, I love all of this that you're saying. And I just want to pause on this first step of educating ourselves as the adults and as the parents. So, listening to something like this, hopefully people feel encouraged already doing a great job educating yourself.   And so, let's just answer a couple of those questions because it can be hard to know where do I go to find out these answers. I'm careful to Google this because something may pop up that I don't want to see.   Janelle Rupp: (33:38 - 33:38) Right.   Laura Dugger: (33:38 - 33:46) So, let's go with two of them. One of them you said is what is the most popular sexual behavior among teens right now?   Janelle Rupp: (33:47 - 34:46) Yeah, I think that this one is a little bit shocking for parents. And they often are unaware of where their teens are at as they are pushing boundaries on sexual behavior. You know, when I was growing up, oral sex became, and that's mouth to genitals, but that became a really popular sexual behavior.   And I remember hearing people say, well, that makes me feel a virgin because I now have not had vaginal sex. And so, again, just continuing to push these boundaries. So, now today's teenagers are past oral sex.   That's become just something that's normal and acceptable. And the most popular sexual behavior right now that you'll actually they will talk about and do would be anal sex right now, which is the anal area, which is obviously I always point this out, not actually the reproductive system, but in fact, the expiratory or the end of the digestive system. But that is the most popular sexual behavior among teens currently.   Laura Dugger: (34:47 - 35:14) That is really helpful to hear. And even years ago, when I was practicing as a marriage and family therapist, something that we learned was that the rise in pornography exposure was also corresponding or correlating with this rise in pressure for women to engage in anal sex. And that was a lot of times where it was coming from.   I'm assuming very similar with teens.   Janelle Rupp: (35:15 - 35:59) Yes, absolutely. And as our culture continues to kind of push the envelope on trying to get teenagers and adults to accept pornography is a natural part of human sexuality. I think we will just continue to see that behavior pushed more and more and more just among teens and relationships in general, which is really devastating.   I think of so many of these behaviors that are very degrading, particularly to women, but even to men. And again, that women, that girls would be thinking that that is considered an acceptable part of a relationship is such a tragedy, really. And again, just so reflective of the brokenness of our culture.   Laura Dugger: (36:00 - 36:19) And you bring up another question I want to follow up with, Ben, because porn is so destructive for a lifetime. But how do you answer that question if parents want to educate themselves of somebody making an argument of why not pornography if it keeps them from engaging in penetrative sex?   Janelle Rupp: (36:20 - 38:18) Yeah, so, there's some excellent websites that you can find that talk about the damaging effects of pornography. And I found, you know, good resources. Anyone's welcome to email me.   I'll include that later. But to get some of those resources. But it really does change and alter, actually, the connections that are created in the brain.   And one of the, I think, more interesting studies on pornography in the brain, as they looked at men who were watching and engaging in pornography, it would continually light up an area of the brain and stimulate it, which is an area of the brain that is usually lit and stimulated when a man would use power tools. And that's concerning on, I think, a couple of levels. One, that is degrading.   And again, this human made in the image of God to something that is to be just used. Right. And then second, anytime we engage in pornography, we are we're engaging more with a screen than a person.   And so, that intimacy level, that is something that's so precious about sex. You know, sex isn't just for making babies. It isn't just for this intimate connection.   It isn't just for pleasure. But it is to be wholly represented, all three of those when we look at God's design. But when we engage with pornography, we're completely reducing it down to one person's pleasure, one person's use.   And so, again, those connections that are supposed to exist between people now exist between a person and their screen. And you'll see across the board, these are people who easily get addicted. It's meant to be addicted, experience increased levels of depression, anxiety, suicide.   Grades go down for teenagers. They lose friends. So much research showing the devastating impact of pornography.   Laura Dugger: (38:19 - 38:32) That is really helpful. Thank you for sharing that. And back to that greater question. So, when you're advising parents to educate themselves, that's the first step. What's the next step in the process?   Janelle Rupp: (38:33 - 41:29) So, the second step that I recommend is to regularly to enter in. We aren't called to be our kids' best friends. We're called to step into their lives.   And that means stepping into friendships and relationships. It actually means stepping into their phone. You know, the amount of parents that tell me, I feel really bad because it's their phone.   And yet it's something that the parent is paying for, right? And so, that is a part of our lives, too. Theirs and ours.   But stepping into social media pages, their schools, their activities. And I think we don't have to be creepy about it. And that's what I think parents most, they're like, I don't want to creep my kid out or make them pull away.   I just think we have to be really intentional beforehand that we're developing this relationship of trust and communication. So, Josh McDowell has said rules without relationship equal rebellion. And so, the flip side of that is that when I have rules where I'm entering in and I have relationships where I'm entering in, that will equal trust.   And so, we need to keep entering in because we want to keep earning their trust. It goes both ways. We want that trust and communication.   So, entering in out of a desire for relationship, but also entering in with boundaries and rules for our kids in order to continue to build that trust between us. And then the third regularly statement is to regularly extend grace to yourself. Guilt and shame cannot go away without grace.   And a lot of us live with guilt and shame when it comes to these subjects. I often hear that that's one of the key reasons that parents will hesitate to talk to their child. They'll say to me, I don't want them to ask me about what I did.   And the only remedy for shame is grace. It's why God's plan to extend grace in sending Jesus. It's the best plan for our world because we're literally drowning in guilt and shame over these subjects.   And so, as parents, we first have to learn and work through accepting grace for ourselves. But for the purpose of extending it to others, it's very, very hard to extend grace when we haven't accepted it ourselves. And so, I think it starts with us.   And then again, it extends out to our kids. My husband and I were working through something that was happening with our teenagers this year. And I thought it was so profound.   As he said this statement, by God's grace, our kids will never get caught up in it. But it's also that same grace that will provide a way for our kids to get out of it. And so, we need to remember God's grace is greater than all of our sins.   And we can rest in that even if we don't do everything perfectly as a parent. Even if we forget to answer one of the questions. Even if our kids choose a path that is different than what we had taught them.   God's grace is greater than all of our sins.   Laura Dugger: (41:30 - 43:53) And I don't think we can hear that enough. So, thank you for that reminder.   Did you know that we are now accepting donations online through Venmo?   It's just one of our additional ways that you can give to support the work of the Savvy Sauce Charities and keep us on the air where we can keep providing this content for free. We pray that you'll consider partnering with us and generously donating before your end. Thanks for your support.   Well, Janelle, I think that you're so wise to teach parents that there's obviously no formula, and that's why it's so vitally important to keep in step with the spirit as we have these conversations with our children. But also, I'm sure that you've learned some wise and age-appropriate guidelines for teaching our kids about sex and sexuality.   So, will you share those with us for the different age ranges?   Janelle Rupp: (43:55 - 50:10) Yes, I think you're exactly right. There isn't a set formula because, again, as I mentioned before, every kid is different. Every experience and exposure is different.   But there are some general guidelines in order to, again, have these regular conversations with our kids. So, beginning ages kind of three to seven, I think focusing on what it means to be made in God's image, what it means to have a male part versus female part, how that kind of defines each gender. And understanding also what is private and safe within that is important.   So, one of the things that I did with my kids is very early on, as we were bathing in those ages, we would say, Thank you, God, for our fingers and our noses, and thank you, God, for our toes, and say, Thank you, God, for a penis because you're a boy, and thank you, God, for a vagina because you're a girl, and thank you for parts that we can't see inside of us. And I would name some of those parts as well, because I think it just helps them start recognizing, again, the beauty of what it means to be created by God. And also highlighting safe pictures and unsafe pictures, safe touch and unsafe touch, and stuff that I touched on before.   I think that's important as well. But then I personally believe this is one of the best ages to begin forming a framework on the sanctity of human life, that all life is created by God and for God in the image of God. And therefore, all life should be treated with dignity, respect, and love, regardless of size, regardless of gender, regardless of skin color, regardless of neediness or challenges.   It's a really natural and important tie-in to the subject at this age. And then when you get into that next age, age 8 to 10, I kind of think of it a little bit like preteen. Just continuing on with that conversation but bringing up this word puberty.   And kids always look terrified when I say that word. And I always tell them, then puberty is not a scary word. And I'm sorry that you have this vision that it is.   But puberty really is just human growth and development that make us male and make us female. And so, I think teaching our kids not to be even afraid of that word. There are parts that we need to keep private.   And yes, we don't need to talk about that with everybody. But these are not wrong or bad parts. They're parts that are created by God for God.   And God is a good God. And God is a sovereign God. And so, He created it for our good with us in mind.   And so, just continuing to engage and encourage our kids on those ideas at age 10. And then 10 to 12, and some educators would say sex should be introduced by age 10. I found that based on just, again, the exposure that my kids had, we had this type of a conversation as they headed into more age 11.   I think it for sure should be talked about before age 12. But at that point, you want to make sure you're including just a framework on what biblical sex and marriage is and what it's purposed for. Again, purpose for procreation, making babies, purpose for intimacy, even purpose for pleasure.   Listen, no 10 to 12-year-old is going to understand that part yet, which is fine because you're going to revisit it later when they're kids. This is a regular thing, right? But you want them to hear it from you.   You want them to hear it from you first so they understand that you are trustworthy. And so, they should be taught that sex is best seen in that context of marriage. One man, one woman that have left their father and mother, they've taken hold of each other in marriage.   And as a result, then a parent and actually ideally both parents, mom and dad, are able to help a child understand that framework and also recognize basic deviations outside of that framework. Not just that sex before marriage is outside, but also sex outside of marriage, the sexual and gender identity confusion. Anything that's falling outside of God's design for marriage and sex is a deviation from what he designed.   And then in that kind of 13 and older, recommendations that I make is always that you begin to establish a really good framework on how to have God-honoring relationships with someone of the opposite gender. I actually highly recommend Ephesians chapter 5 as you make this plan with your child. And a couple key points that it talks about within that chapter is that we treat those in the faith, those that share our common belief in Jesus Christ as brothers and sisters in Christ, in friendship and in a possible relationship, but one that has a lot of purpose and a plan in place.   But then we treat those who are not sharing our faith with love, but yet an understanding that those aren't relationships that I can pursue because I can't have an expectation that they are going to bring me closer to Christ, whereas the other should. And so, as parents within that, again, 13 and older category, you really need to start paying very much attention and entering in into those relationships that they have with their friends and their peers, because this is the second biggest impact maker on their decision-making next to you. Proverbs 13:20 says, “He who walks with the wise will be wise, but a companion of fools suffers harm.”   I really believe in parents. If you need to change up their environment in order to help them form more God-honoring relationships in step with that Ephesians 5, we should not be afraid to do so. And again, continuing to expand on those other frameworks before, because regular conversations, but you're just getting into greater detail, more fine-tuning.   And I actually think at this age, too, you're digging deep into the truth of Scripture with your child. So, you let them come alongside you as you're learning how to answer these questions so that they can continue to refine who they are in Christ and to refine how to keep accountable with the Word of God and to refine how to set boundaries and how to navigate relationships in what I call purposeful dating versus purposeless dating. And purposeful dating, really just the overarching idea there is just that in the end, if it does end, that there may be sadness, but that there is also learning that comes so that I am lessening the brokenness and damage that may come as a result as well.   Laura Dugger: (50:11 - 50:30) And I love how also in your teaching, you lay out specific guidelines that don't fit within an age category, but they're more so for children who are at cell phone age or where they have unattended internet use. So, will you share some of those guidelines with us now, too?   Janelle Rupp: (50:31 - 54:54) Yes, for sure. You know, I always say when you introduce a cell phone to your child, especially one that has internet included with that phone, it does change a little of those guidelines that I just mentioned in that you need to increase the speed and the ages or decrease the ages, technically, in which you are discussing these things. Just because you're giving them a lot of access to things that will speak an opposite message from what you would be saying.   And so, when I encourage parents to look at a couple things as they're making the decisions about when to give a cell phone, I think you're specifically looking at does your child understand what it means to be indwelled by the Holy Spirit? And are they showing evidence of the fruits of his work in their lives? In other words, do I see evidence of the Spirit in the life of my child?   And so, that means does he or she recognize self-control? They know when they have it and they know when they don't. Do they recognize how to be a peacemaker?   Do they recognize how to be loving in what they say and what they do? Do they recognize and show faithfulness, kindness, gentleness, joy, patience, all of those fruits of the Spirit? And do they recognize and show that not just in person with someone, but even behind the screen when they don't see that person face to face?   And listen, no parent is going to say, oh, yeah, 100% of the time my kid is showing evidence of the fruits of the Spirit. But if I can honestly say yes, my child is showing that he is growing in evidence of that. And then you decide this is the age for him to have a phone.   Most educators, I'll just be super clear, most educators that work with teens, they recommend an age of anywhere from 13 to 15. But when you do give that, those same adults that work with those teens will also say the following, that a device should not be allowed in a private room or a private place. There should be a family charging place.   And we are on phones when we are around other people. And then that you should also have no phone zones for us. The dinner table is one of our very most important ones so that we are learning how to, again, continue to engage in conversation with one another without our phones, which is growing the relationship building that we want to grow.   And so, we hold to those boundaries. Understanding that an all access, unmonitored pass to the Internet does break down identity. It does work against.   And there's so much evidence to this. You know, even five years ago, I was less inclined to say hard and fast rules on the use of cell phones for teens. However, more and more and more and more, we continue to see research study after research study.   There's documentaries. Now there's reports about the dangers of the unlimited, unmonitored access to screens and how it hurts our kids emotionally, intellectually, socially, spiritually and even physically. I mean, I think of less sleep.   Right. Something that I've learned over these 10 years is that no kid stumbles into pornography with the use of their phone on purpose. So, so, so many times the first time is an accident and it happens again because that Internet use is unmonitored.   And so, here's another hard truth as well. It often also happens because someone else in the house or the family may be viewing pornography and it's in that browser history or it's in the logarithm of the device they're using. And so, understanding what drives that first use, but then the ramifications of that first look.   So, even if it's an inadvertent look, the hook to pornography is so addicting. And again, we talked about the damaging effects on our brains, our emotions and our relationship. So, I just think monitoring phones and Internet access is, yes, exhausting.   I mean, I feel it. But at the same time, the risk is so great that there's no way that we can stop while they are in our home. Because the worry and the regret of, oh, I should have done X, Y, Z, I think outweighs any type of temporary exhaustion for me in my day to have to check and monitor phone use.   Laura Dugger: (54:55 - 55:21) That's such a good point. It's going to cost us energy on one side or the other. But that is a wise choice to go with the hard choice first and hopefully more of an easier or more fruitful path.   When you reflect on our conversation so far, what hope do we all have for the gospel of grace impacting us specifically as it relates to our sexuality?   Janelle Rupp: (55:23 - 58:58) When I hear that question, I really love it. I instantly think shame is a result of sin, connecting that to the grace that is shown from our Creator and our Redeemer. And all of that, again, is really on display in Genesis 3.   And so, I want to take us there as I answer that question. I tell my students shame has two definitions. There is shame as a verb to shame someone.   And then there is shame as a noun to feel shame as a result of something that we have done wrong. Shame as a verb is something we never want to do. That's not a good thing, right?   But shame as a noun is actually a God-given gift that is meant to bring us back into relationship with God. And you look at how Adam and Eve in Genesis 3. It makes me chuckle, honestly, because as they feel the shame of their sin, their next step is to create garments to cover themselves.   And their shame was so great, but they went ahead and put these fig leaves on top of their bodies, these parts that now have to be private because of shame. And I just think to myself, those fig leaves had to have been so insufficient. We do this too, though.   We come up with ways to clothe ourselves to cover up the shame that we feel. It might be past sexual sin. It might be present sexual sin.   And we try our best to hide it. We try our best to make ourselves look presentable with our covering so that people won't see our sin and see our shame. I mean, all of that is that feeling that comes from that feeling of shame as a result of sin.   But what's beautiful when we look at Genesis 3, when Adam finally comes clean about his sin and shame. And I will say, listen, he doesn't do it perfectly because God has to literally say, where are you? Knowing where he is, but like basically saying, Adam, come out, come clean, right?   But as Adam does come clean about his sin and the shame that he's feeling, right? What does God do? God covers Adam and Eve with garments that He provides and He makes from the very first shedding of blood that we see recorded in Scripture.   And I'm doing it now. I weep every single time that I talk about this part, because God knows how to deal with shame so much better than we do. He knows how to deal with our shame in a way and cover us in a way that is a once for always.   And it's Genesis 3 is just a beautiful foreshadowing of how Christ is going to be sent. And there he comes in Matthew, right? To cover shame forever.   And so, as we remember that Jesus spilled his blood on a cross and then resurrected, conquering death and sin and the grave. We also get covered by that blood so that we no longer have to hide. We no longer have to feel that shame.   And we can stand, Romans 8 says, without condemnation. “Therefore, there is no condemnation for those who are in Christ,” because Christ has covered us with garments completely and perfectly for forever. And so, our hope in this for our own sin, our past sin, any present sin, any future sin, and our hope for any sin that may rise up out of the heart of our child.   It's in the gospel that the gracious and loving covering that God gives us through Jesus is complete, making us right before God for all time.   Laura Dugger: (58:58 - 1:00:05) I love that so much, Janelle. And it makes me think of, I can't remember the research study, but they tracked people's brains when they were feeling like shame or regret or guilt. And found that sometimes people who struggle with anxious thoughts, that they have an over-functioning part of their brain where they can have those feelings of shame, sometimes when they haven't done anything shameful.   So, there's almost like a real guilt or a false guilt. And all of this conversation brings me to 2 Corinthians 7:10, where God addressed that first, because in the Bible it says, “Godly sorrow brings repentance that leads to salvation and leaves no regret, but worldly sorrow brings death.” And so, if we're going like even a level deeper to tease out that shame, sometimes we've felt that before.   Maybe, let's say, if something was done to us, and that's not the same shame that requires repentance, which is the godly sorrow. So, does that make sense?   Janelle Rupp: (1:00:05 - 1:00:28) Yes, exactly. That's exactly my point. And getting the kids to understand the difference between those shames but then seeing shame as not something that I have to push against.   Because if it is that godly shame that comes after me making a wrong choice, that is that shame to bring me closer to God in and through repentance. And again, that's a beautiful thing.   Laura Dugger: (1:00:29 - 1:00:39) It is, and it leads to freedom, which we may not think of in the moment, but that confession and bringing something to the light, that that is the best way to live.   Janelle Rupp: (1:00:39 - 1:00:40) Exactly.   Laura Dugger: (1:00:40 - 1:00:48) Are there any other important takeaways that you want parents and their children to be aware of as it applies to sex and sexuality?   Janelle Rupp: (1:00:49 - 1:02:44) Yes, you know, I think of two things here. The first being that, you know, sexual sin is really just one of many sins that Christ covers that he died for. You know, the blood of Christ covers the adulterer just as much as it covers the gossiper.   It covers the pregnant teenager and her boyfriend just as much as it covers you and I. And I think in the past, the church has overemphasized this sin and underemphasized others. But yet on the flip side, I mean, I think we really can't deny these are sins.   And even when we look at Scripture, it doesn't deny this. These are sins that carry a greater consequence and potential for enticing us towards, again, more habitual, ongoing sin in ways that just affect us deeper than other sins, which is why 1 Corinthians 6:18 says “Flee from sexual immorality.” And I'm going to pause there for just a second, because the Greek word for sexual immorality is the word pornea.   And you and I can't hear the word pornea without immediately thinking of porn. And so, I think it's fascinating that the root word for pornography is literally translated as sexual immorality. It's really an important thing.   But 1 Corinthians 6:18, again, it starts saying “Flee from sexual immorality. Every other sin a person commits is outside of the body, but the sexually immoral person sins against his own body.” And this means that sexual sin at its root is a problem of identity, which is, again, why you have to link that human sexuality with gospel identity.   Our aim cannot be for our children to make it to marriage having never had sex or never getting pregnant. To me, that's a low fruit. That is a low aim.   Our aim needs to be raising children with a gospel identity that is rooted in the creative and redemptive work of Jesus Christ and seeing the outgrowth from there.   Laura Dugger: (1:02:44 - 1:02:56) Wow. Well said. And if we boil all of this down, what is just one action step that you first recommend for anyone who finishes this message today?   Janelle Rupp: (1:02:57 - 1:04:19) Yeah, I'm going to give you a three-in-one just tying back to those three key regularly statements. One of the primary resources that I love to recommend in terms of educating ourselves is for parents to go to axis.org. That is A-X-I-S dot org, and sign up to receive their free Culture Translator weekly newsletter. And that will be sent to your email on a weekly basis for free.   And it gives a whole rundown of what's been happening in teen culture for that week. And just by simply opening up your email, you're going to start educating yourself. And they also have a host of other excellent resources and podcasts and a ton of material on their website that I would recommend.   But that's just one little step. And then for the enter in, I would recommend scheduling a date now. Put it on your calendar.   Find a time to take your child on a shopping date, an ice cream date, so that you can begin to enter into their lives and keep building that relationship with them. And then lastly, between now and that date, just open up God's Word. Reflect on the grace of God.   Let it wash over your heart. Let it wash over your mind. Get engaged with worship.   All of those will equip you well to do that hard work of entering in with your child when you meet them for that date.   Laura Dugger: (1:04:20 - 1:04:29) I've loved this chat so much. And if anybody's wondering about

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In this episode, I break down how to identify your actual dream job in public health using a simple “mental algorithm” so you're not just scattering applications into the void, but moving with clarity and purpose toward a career that actually excites you. We talk honestly about the brutal November 2025 public health job market and how to think in terms of transferable skills. I walk you through how to network without being awkward or apologetic, including specific outreach emails (that you can use!) using my E.A.S.Y. framework (Establish, Ask, Simplify, Yield). Finally, I rapid-fire a huge list of public health job titles and organizations you can plug into job boards right away and invite listeners to email me for resume and job-hunt questions.

כולם יודעים שציפורים נודדות לפי העונות.אך הידעתם שגם מתכות נודדות?בין חודשי ספטמבר עד נובמבר ניתן לראות ציפורים רבות עוצרות בעמק החולה בדרכן דרומה.בין ה-VDD וה-VSS יש זרם אלקטרונים שסוחפים איתם אטומים של המתכת בתופעה שנקראת Electromigration. ההבדל בין השתיים הוא שלנדידת הציפורים הצפרים מחכים בצפייה ונדידת המתכות גורמת למהנדס Physical Design להרבה כאב ראש כשהוא צריך לפתור ECO.המרואיין שלנו אמור לצלצל מוכר למי שבעניינים. אירחנו שוב את פרופ' פרדי גבאי לשיחה מרתקת.סיפור קטן על מאחורי הקלעים איתנו - ביום ההקלטה התבטלו שתי הקלטות מתוכננות.לא נורא, פרדי היה ספונטני ובא להציל את המצב. הפעם הוא בא לדבר איתנו על המחקר שלו בתחום ה-Reliability.אז על מה דיברנו?- מושגים בתחום ה-VLSI- כמה רמות של מתכות יש בצי'פ?- מהי תופעת ה-Electromigration והאם יש יותר מתופעה אחת?- אילו תסמינים היא עושה?- מהם הפתרונות לבעיות הנוצרות?על מה לא דיברנו?- מה זה Yield?אחרי שהאזנתם לפרק מוזמנים להצטרף לקבוצת המאזינים שלנו - שם אנחנו נודדים עם אלקטרונים >>> https://chat.whatsapp.com/KwUu8pQsxx220qS7AXv04Tמוזמנים ליצור איתנו קשר במייל podcasthardreset@gmail.comהאזנה נעימה.

This week's episode is hosted by Ben & Webby. The first topic of discussion is the rocketing demand for frozen peas in the Webster household.They talk about their predictions for the Christmas period. Ben mentions the YIELD network debate at the Forum in Norwich.To finish the podcast, they reminisce over Carlsberg adverts. Hosted on Acast. See acast.com/privacy for more information.

Recorded live on 11/23/25.The Oasis Church, Middletown OhioJen Tringale | https://jentringale.com---CONNECT WITH US:Website: https://bit.ly/3aNHq76Oasis Church Facebook: https://bit.ly/2WeeZuOOasis Church Instagram: https://bit.ly/2WiHqbpTim Sheets Website: https://bit.ly/2UdCHVNTim Sheets Facebook: https://bit.ly/38FCOhSTim Sheets Instagram: https://bit.ly/2THGco6

Robin Nathaniel is a TEDx speaker, social media optimizer, and award-winning strategist. Robin helps turn followers into advocates through the SYNC Framework.  Along the way we discuss – Hip Hop & the MC Challenge (1:30), Mission-driven Work (4:15), A Future for the Kids (6:45), the Power of Simplicity (9:45), Yield to Your Intentions (11:15), take a Natural Approach (12:15), Change it Up (14:15), Donations to Your Cause (16:00), Life Reset (19:45), the Importance of Authenticity (22:30), Lead with Gratitude (29:45), Wu-Tang Clan (38:00), and Your Last Words (43:00). For Robin's Social Media Sync Bundle reach out @ LandtheTalk.   This podcast is partnered with LukeLeaders1248, a nonprofit that provides scholarships for the children of military Veterans. Send a donation, large or small, through PayPal @LukeLeaders1248; Venmo @LukeLeaders1248; or our website @ www.lukeleaders1248.com. You can also donate your used vehicle @ this hyperlink – CARS donation to LL1248.  Music intro and outro from the creative brilliance of Kenny Kilgore. Lowriders and Beautiful Rainy Day.

Chris Barron is joined by Dr. Mark Welch from Texas A&M to break down the biggest marketing questions heading into late November and December. They cover why the final corn yield is far from settled, what to expect from USDA revisions, and how basis could behave during the holiday window. Mark also explains the role of tariffs, export flows, and fund activity in these markets. The conversation finishes with a full look at 2026, including acreage shifts, crop insurance strategy, reference prices, and how producers can manage risk while staying ready for opportunities. A great listen before closing out 2025 and setting plans for the year ahead.

In Week Four of our Charged series, Pastor Randy breaks down the daily habits that keep us walking in step with the Holy Spirit. You can have God's power, grow His fruit, and operate in His gifts — but if your life is out of sync with the Spirit, you'll always live beneath what God intended.This message unpacks the four habits that realign your heart: Stay in the Word. Yield to His leading. Never delay obedience. Confess quickly.It's practical, convicting, encouraging, and full of those “that was for me” moments. If you're tired of drifting, reacting, or running on spiritual fumes… this message will help you “sync it up” and walk with the One who lives within you. Tune in — and invite the Holy Spirit to lead your steps today.

continued ...The plan requires Ukraine to yield the remaining Donbass slice and accept limits on its army size, although Ukraine is not required to formally agree. Guest: Anatol Lieven 1840

For episode 634 of the BlockHash Podcast, host Brandon Zemp is joined by Mitchell Nicholson, Core Contributor to the Sierra Protocol.Sierra Protocol is the issuer of SIERRA, a liquid yield token (LYT) that offers the best risk-adjusted yield in a freely tradeable ERC20 token on Ethereum and Avalanche. SIERRA enables holders to earn passively accrue 6-12% APY compounded daily and does not require staking or claiming, holding periods or lockups, paying hidden fees or providing KYC. SIERRA will be going live in October followed by several exciting partnerships that offer additional yield and utility. Its reserves are managed by OpenTrade, an institutional-grade market leader offering stablecoin yield products and is backed by a16z, Circle, Mercury, Notion and other leading VC firms. ⏳ Timestamps: (0:00) Introduction(1:12) Who is Mitchell Nicholson?(2:02) What is Sierra?(2:44) What are Liquid Yield Tokens?(9:56) Underlying yield sources(12:56) Regulations & Compliance(15:40) Sierra exchange listings(17:30) Liquidity for Sierra(20:13) Partnerships(25:35) Prediction Markets(30:05) Sierra Roadmap(32:50) Sierra website & socials 

Catch up on fixed income with views on income strategies and the market outlook from industry experts.

Ben Nadareski is the CEO and Co-Founder of Solstice Labs, where he's redefining how yield is generated in DeFi. Backed by Deus X Capital, Solstice Labs pioneers permissionless, institutional-grade strategies on Solana, making sophisticated trading approaches and sustainable yields accessible to everyone.Previously, Ben led the first crypto-derivative trades with global banks as Vice President of Global Trading at Galaxy Digital. He advanced strategic investments in digital assets as Director of M&A at SIX Digital Exchange, helped expand blockchain adoption across Asia with R3 by introducing decentralized tech to central banks and financial institutions, and developed onchain OTC data networks while leading global business development at DrumG, a Consensys-backed startup.Ben has served as a guest lecturer at the Wharton School of Business on topics including crypto, DeFi and capital markets. Prior to his 2013 leap into web3, Ben worked on the Interest Rate and FX Derivates trading desk at Société Générale. He comes from a scientific background as a published nuclear physics researcher with a degree in Physics,  and still today, applies that same scientific rigor to his work in crypto.In this conversation, we discuss:- The rise of Solana and its ecosystem - Solana bull case  - Building the Yield Engine for Solana's Next Chapter  - The Role of DeFi, Stablecoins, and yield-vaults  on Solana (USX) - The Risk Engine is evolving into a Yield Engine - Solana inflation - One-click yield system - Having a Sharp rate of 8 Solstice LabsX: @solsticefiWebsite: solstice.financeLinkedIn: Solstice Labs AGBen NadareskiX: @ben_solsticeLinkedIn: Ben Nadareski---------------------------------------------------------------------------------This episode is brought to you by PrimeXBT.PrimeXBT offers a robust trading system for both beginners and professional traders that demand highly reliable market data and performance. Traders of all experience levels can easily design and customize layouts and widgets to best fit their trading style. PrimeXBT is always offering innovative products and professional trading conditions to all customers.  PrimeXBT is running an exclusive promotion for listeners of the podcast. After making your first deposit, 50% of that first deposit will be credited to your account as a bonus that can be used as additional collateral to open positions. Code: CRYPTONEWS50 This promotion is available for a month after activation. Click the link below: PrimeXBT x CRYPTONEWS50FollowApple PodcastsSpotifyAmazon MusicRSS FeedSee AllFollowApple PodcastsSpotifyAmazon Music

Liz Peek Liz Peek discusses the "AI bubble," noting the Magnificent Seven stocks are priced to perfection amidst concerns that massive investments may not yield adequate returns, observes that although the market is "risk off" the US economy seems "okay" according to data points, and expresses alarm about New York Mayor-Elect Mamdani, a socialist without management expertise who is surrounding himself with ideologues, including Hassan Sheheryar, his transition director, who is "clearly anti-Semitic" and anti-Israel, raising significant concerns for the city.E

CONTINUED ALSO NYC MAYORALTY Liz Peek Liz Peek discusses the "AI bubble," noting the Magnificent Seven stocks are priced to perfection amidst concerns that massive investments may not yield adequate returns, observes that although the market is "risk off"...

Key Takeaways:   Bonds no longer beat inflation: Traditional bonds don't protect wealth the way they used to, so investors are rethinking fixed-income strategies. Bitcoin's scarcity creates new opportunities: Because Bitcoin is limited in supply, it's becoming the foundation for financial products that offer strong returns and stability. New income tools are emerging: Products like Bitcoin-backed investments and preferred stocks are creating fresh ways to earn income. Digital assets are gaining trust: More financial advisors and large investors are turning to digital currency-based investments. Focus is shifting to real value: Financial planning is now centered on maintaining true purchasing power, not just paper stability.   Chapters: Timestamp Summary 0:00 Challenges and Innovations in Fixed Income Investments 8:24 Bitcoin's Role in Revolutionizing Fixed Income Investments 18:04 Bitcoin as a Protector Against Inflation and Currency Devaluation 28:14 Bitcoin's Grassroots Impact on Wealth Management and Financial Systems   Powered by Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Jared Feldman, SVP of Operations at iTrustCapital, joined me to discuss their recent partnership with Coinbase to offer Bitcoin Yield Strategy for IRAs and much more.Topics:- iTrustCapital's Crypto IRA and Custody Solutions- Coinbase partnership- Trump administration opening up 401ks to invest in crypto - Impact of CLARITY Act passing

Leslie and Letty join to share reflections on recent asset class performance, including a look at the key factors behind outperformance of higher-quality bonds in high yield throughout 2025. Plus, a look at what CIO currently recommends for fixed income investors in the way of portfolio positioning. Featuring are Leslie Falconio, Head of Taxable Fixed Income Strategy Americas, and Letty Zemaitis, Fixed Income Strategist Americas, UBS Chief Investment Office. Host: Daniel Cassidy

Travis Koldus runs The Contrarian and shares why he looks forward to price discovery (0:45). Mispricings in stocks (5:20). REITs and interest rates (8:50). S&P 500 P/E ratio, Japan, and other macro points (13:40). Price to sales, keeping metrics in context (28:20). Most contrarian take (35:50).Episode TranscriptsShow Notes:KCI Research On REITs, Dividends And Contrarian InvestingApple: Cheapest Valuation In A DecadeRealty Income Shares Have Gone Nowhere For 7 Plus YearsRegister for Top Income & AI Growth Stocks Worth Watching on November 18: https://bit.ly/4ifR7PPFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

As an entrepreneur, sometimes the boldest move you can make is to pivot. This week, we are joined by Rian Mc Donnell, CEO of FloVision Solutions, to talk about AI-driven solutions to help the food industry become more financially and environmentally sustainable by reducing waste and maximizing yield. We get into:  The work Rian leads with his team to optimize the food chain starting with protein – and how that vision varies from when he started the company Insights that FloVision drives downstream to food processors and the capabilities they have because of these technology FloVision's market differentiation  How Rian sees the company playing a role in this massive food evolution Feedback he gets from working with customers – especially food processors who are very traditional in their operations FloVision's recent $8.7 million Series A fundraise and what it will enable the company to do The company's tech stack and how the data drives different decisions and solutions based on their position around the globe, their food priorities and regulatory frameworks Areas ripe for collaboration and what's ahead in 2026 

Reyes Aguilar and Jake Baska dive into one of the great ghost stories of the law school admissions process—yield protection. What is it? Is it real—like “real” real? What's the difference between yield protection and admissions officers just being selective? And most importantly, how can you avoid this trap?If you'd like help with any aspect of your law school applications, check out all of our services here.

Alec Naman from @Naman's Catering called us this morning and said, "I thought we could do a little Holiday Sweet Treat this week. Like Apple Enchiladas with a Brown Sugar Butter Sauce."      

Asheesh Birla, CEO of Evernorth, interview. We discuss all the details of Evernorth's $1 billion XRP digital asset treasury.Topics: - Evernorth's mission as a XRP Treasury - Plans to go public on Nasdaq - How will XRP be purchased and will capital raise go beyond $1 billion - Preparing for a bear market - DATs vs ETFs Brought to you by