Podcasts about Zip

WGAN-TV | New! Giraffe PRO Camera and Giraffe360 Photographer Program === Two Giraffe360 Special Offers for WGAN Community 1. Giraffe PRO Camera (for real estate photographers): ✓ Get early access to the new Giraffe PRO Camera - WGAN exclusive 60-day trial offer – just $123 per month - Be among the first to try the all-new Giraffe PRO Camera as it officially launches. (Pre-Order Giraffe Pro Camera) 2. Giraffe360 Go Camera (for real estate agents (or real estate photographers that want to get started immediately and then switch to the Giraffe PRO Camera when it is ready to ship) ✓ Free Blue Sky Replacement for HDR Photos with Voucher Code: WGAN ✓ Build Your Plan: www.Giraffe360.com === ✓ What's possible with the next-gen Giraffe PRO Camera with LiDAR 2.0? ✓ What are the advantages of joining the Giraffe360 Photographer Program? ✓ What does exclusive Zip Codes mean for photographers? ✓ What's included in an all-in-one monthly subscription with no upfront camera cost? Stay tuned ... Watch WGAN-TV Live at 5 on Wednesday, 17 June 2025, for: ✓ New! Giraffe PRO Camera and Giraffe360 Photographer Program My guest is: Giraffe360 Founder and CEO Mikus Opelts Show Topics ✓  Giraffe PRO Camera and auto-height adjusting tripod ✓ Giraffe360 Content Studios (Deliverables) -- Ultra-HD 3D Virtual Tours -- HDR Photos -- Floor Plans (ANSI-compliant) -- Drone-style cinematic fly-through Gsplat Videos -- Auto-generate Single Property Listing Websites -- Social media ready digital assets [Listing Spotlight] ✓ Listing Spotlight -- Social Media -- Email Marketing -- Property Websites -- More time scanning versus less time to get it delivered (four hour goal for rendering all assets) ✓ Giraffe360 Official Photographer Program -- Two exclusive ZIP codes for real estate photographers - potential leads from Giraffe360 -- Unlimited virtual tour hosting -- Giraffe PRO Camera that includes everything for one flat monthly fee (no upfront camera cost) -- how to claim two exclusive ZIP codes - per camera - via the Giraffe360 Photographer Program ✓ Two Giraffe360 Special Offers for WGAN Community 1. Giraffe PRO Camera (for real estate photographers): ✓ Get early access to the new Giraffe PRO Camera - WGAN exclusive 60-day trial offer – just $123 per month - Be among the first to try the all-new Giraffe PRO Camera as it officially launches. (Pre-Order Giraffe Pro Camera) Your Exclusive WGAN Offer Includes ✓ 10 free property projects (standard trial includes 5) ✓ All add-ons included at no extra cost for the trial period ✓  Free blue sky replacement if you subscribe annually following the trial ✓ Free WGAN-TV Training Academy Membership for 1 year ✓ Membership to the Giraffe Photographer Network with ZIP code exclusivity (2 ZIP codes per camera - US only) This limited-time trial offer is available till July 31, 2025. (Unless extended by Giraffe360) 2. Giraffe360 Go Camera (for real estate agents (or real estate photographers that want to get started immediately and then switch to the Giraffe PRO Camera when it is ready to ship]) ✓ Free Blue Sky Replacement for HDR Photos with Voucher Code: WGAN ✓ Build Your Plan: www.Giraffe360.com

WGAN-TV | New! Giraffe PRO Camera and Giraffe360 Photographer Program === Two Giraffe360 Special Offers for WGAN Community 1. Giraffe PRO Camera (for real estate photographers): ✓ Get early access to the new Giraffe PRO Camera - WGAN exclusive 60-day trial offer – just $123 per month - Be among the first to try the all-new Giraffe PRO Camera as it officially launches. (Pre-Order Giraffe Pro Camera) 2. Giraffe360 Go Camera (for real estate agents (or real estate photographers that want to get started immediately and then switch to the Giraffe PRO Camera when it is ready to ship) ✓ Free Blue Sky Replacement for HDR Photos with Voucher Code: WGAN ✓ Build Your Plan: www.Giraffe360.com === ✓ What's possible with the next-gen Giraffe PRO Camera with LiDAR 2.0? ✓ What are the advantages of joining the Giraffe360 Photographer Program? ✓ What does exclusive Zip Codes mean for photographers? ✓ What's included in an all-in-one monthly subscription with no upfront camera cost? Stay tuned ... Watch WGAN-TV Live at 5 on Wednesday, 17 June 2025, for: ✓ New! Giraffe PRO Camera and Giraffe360 Photographer Program My guest is: Giraffe360 Founder and CEO Mikus Opelts Show Topics ✓  Giraffe PRO Camera and auto-height adjusting tripod ✓ Giraffe360 Content Studios (Deliverables) -- Ultra-HD 3D Virtual Tours -- HDR Photos -- Floor Plans (ANSI-compliant) -- Drone-style cinematic fly-through Gsplat Videos -- Auto-generate Single Property Listing Websites -- Social media ready digital assets [Listing Spotlight] ✓ Listing Spotlight -- Social Media -- Email Marketing -- Property Websites -- More time scanning versus less time to get it delivered (four hour goal for rendering all assets) ✓ Giraffe360 Official Photographer Program -- Two exclusive ZIP codes for real estate photographers - potential leads from Giraffe360 -- Unlimited virtual tour hosting -- Giraffe PRO Camera that includes everything for one flat monthly fee (no upfront camera cost) -- how to claim two exclusive ZIP codes - per camera - via the Giraffe360 Photographer Program ✓ Two Giraffe360 Special Offers for WGAN Community 1. Giraffe PRO Camera (for real estate photographers): ✓ Get early access to the new Giraffe PRO Camera - WGAN exclusive 60-day trial offer – just $123 per month - Be among the first to try the all-new Giraffe PRO Camera as it officially launches. (Pre-Order Giraffe Pro Camera) Your Exclusive WGAN Offer Includes ✓ 10 free property projects (standard trial includes 5) ✓ All add-ons included at no extra cost for the trial period ✓  Free blue sky replacement if you subscribe annually following the trial ✓ Free WGAN-TV Training Academy Membership for 1 year ✓ Membership to the Giraffe Photographer Network with ZIP code exclusivity (2 ZIP codes per camera - US only) This limited-time trial offer is available till July 31, 2025. (Unless extended by Giraffe360) 2. Giraffe360 Go Camera (for real estate agents (or real estate photographers that want to get started immediately and then switch to the Giraffe PRO Camera when it is ready to ship]) ✓ Free Blue Sky Replacement for HDR Photos with Voucher Code: WGAN ✓ Build Your Plan: www.Giraffe360.com

Photo by Chris Yarzab. We are just entering summer and already some parts of the country are under heat advisories. The first heat wave of the season started last Friday, literally, on the first official day of summer and has been impacting about 128 million Americans from Louisiana to Maine. The US West, including California, hasn't been impacted by this particular heatwave. But it's only a matter of time. In fact, what you might not know is, extreme heat is now the leading climate-related health hazard in California. It claims more lives annually than any other climate threat. To understand what this growing climate threat means, who is at most risk, and to learn about some actions we can take to protect ourselves, Earth Island Journal editor-in-chief and Terra Verde cohost Maureen Nandini Mitra talks with Bibiana Martinez, a public health researcher with Heluna Health, a California-based public health research organization that works to improve health equity, and Walker Wieland, manager of the California's new CalHeatScore program, a pilot project that ranks risk from extreme heat by ZIP code and seeks to protect vulnerable populations from heatwaves. Resources: Use the CalHeatScore tool to check out heat conditions in your region and also join the program's listserv to get notices of upcoming webinars and workshops on the issue. Read this Heluna post to lear learn more about staying safe in the heat and identifying signs of heat illness.       The post Coping with Extreme Heat appeared first on KPFA.

Zip your lip — and keep it zipped. Knowing when to shut up is the key to a long and happy marriage. That's according to a nonagenarian couple from England who reportedly still love each other like newlyweds — an astonishing 75 years after saying “I do.”In the headlines on #TheUpdate this Tuesday, Terminally ill New Yorkers would have the legal ability to end their own lives with pharmaceutical drugs under a bill passed in the state Legislature.At the Diddy trial, Sean “Diddy” Combs forced his ex-girlfriend to have a “freak-off”-style sexual encounter with a male sex worker last year after chasing her around her California home, putting her in a chokehold, punching her in the face and kicking down doors, the woman testified.And in the American West, another 2,000 National Guard troops along with 700 Marines are headed to Los Angeles on orders from President Trump, escalating a military presence local officials and Gov. Gavin Newsom don't want and the police chief says creates logistical challenges for safely handling protests.

In today's episode of Uncontested Investing, we dig into one of the most powerful tools at your disposal as a real estate investor: data. It's not just about crunching numbers, it's about making smarter, faster, more strategic decisions in a market where the margin for error is razor-thin.   We break down how investors can use both free and paid data tools to spot trends, find deals, set optimal rental rates, and avoid costly mistakes. From migration patterns to ZIP-code-based labor rates, they share real-world ways to let data guide your portfolio growth.    If you're still relying on your gut, this episode is your wake-up call.   Key Talking Points of the Episode   00:00 Introduction 01:16 What patterns tell us (vacancy, rent shifts, migration) 02:34 How market influences can change your buy box and strategies 04:03 Property-type trends and market adaptability 05:35 Free tools: Zillow, Redfin, Rentometer, Census.gov, HUD 07:20 Paid tools: CoStar, PropStream, Roofstock, AirDNA, Dwelling 09:22 Local tools: Agents, REIAs, county offices 11:02 How data can help you identify emerging markets 12:01 Avoiding emotional buying with consistent criteria 13:03 The cost of ignoring data: overpaying for properties 15:06 Analysis paralysis: when too much data kills the deal 17:00 Why you need to use data alerts as an investor 18:14 Weekly rent comps and rent optimization 19:31 Balancing rental increases with tenant retention 20:23 Manual tracking: using spreadsheets for micro-market analysis   Quotables   “Use the data to take emotion out of it. You'll never get a wrong answer when math is leading the way.”   “Census.gov will smack you in the face with the truth. It's not customizable—it's real.”   “One bad deal early can drive a new investor right out of the game. Data helps you avoid that.”   Links   RCN Capital https://www.rcncapital.com/podcast https://www.instagram.com/rcn_capital/ info@rcncapital.com   REI INK https://rei-ink.com/

"The way we start looking at every unit of work in a workflow flips from being something that's truly human-led to something that can be increasingly human-reviewed and driven, but not necessarily initiated as a human." Nick Heinzmann, Head of Research at Zip The pressure for procurement to do more with less means innovation is no longer optional… It's necessary for survival and growth.  The game changer? Agentic AI: artificial intelligence capable of perceiving, analyzing, and taking action, all with minimal supervision. In this Art of Procurement podcast episode, Philip Ideson interviews Nick Heinzmann, Head of Research at Zip, to dive deep into real-world applications and opportunities that Agentic AI holds for procurement.  Nick demystifies this powerful technology, showcasing practical ways it is already being used to automate workflows, solve procurement headaches, and address age-old data challenges. In this episode, Nick covers: How to identify workflows ideally suited to AI-driven automation Understanding what Agentic AI is (and isn't) Procurement use cases where Agentic AI adds immediate value How to overcome traditional roadblocks like data quality concerns Links: Nick Heinzmann on LinkedIn Unleashing the Power of Generative AI in Procurement Subscribe to This Week in Procurement Subscribe to Art of Procurement on YouTube

Today we take a look at the inaugural Rockford 70.3. We get into the course, race strategies, and how to handle what looks to be a hot day. We talk about the city, wetsuit or not, river flow and a pre-race HR test. We also get into how to stay as cool as possible all day with tips for pre-race, T1, the bike, T2 and the run. This will be a game of being smart and patient and we'll give you thoughts on how to do just that. Topics: Rockford Downtown - Mike's old stomping grounds Will this race jumpstart the city? Dealing with the heat Wetsuit or not? Why it's too late for heat prep Don't drain your body this week Stay out of the heat River flow Pre-race HR test A lot of first timers Pop a gel at the end of the swim Cold water after the swim Too eager to push a higher zone Once you overheat, there's no turning back Wind mind games It's all about being smart and patient Carrying nutrition on the run? Carrying ice Zip lock tricks When you're dehydrated and full Plain water on board? Body glide Wearing hats Your swim route (based on the map) The finish line vibe     mike@c26triathlon.com robbie@c26triathlon.com

Tuesday Night Live on YouTube 06/17/25 This episode I discuss Fanatics Fest plans, Zip talks about finding value in value boxes & grading strategies & of course listener questions and interactions SCL HC S6E43

In this episode of You Have My Interest, we take a deep dive into the new regulations affecting Buy Now Pay Later (BNPL) services in Australia and what they mean for everyday consumers. From 10 June, providers like Afterpay and Zip must operate as regulated credit products. This means holding an Australian credit licence, performing checks on new applicants, and reporting repayments and missed payments to credit bureaus.We explore how these changes can impact your credit score, especially if you are a heavy BNPL user or frequently apply across multiple providers. We also share practical advice for home loan seekers, including the importance of staying on top of repayments, how outstanding BNPL limits can influence your borrowing capacity, and why even small debts may matter.Join us for practical tips on managing BNPL facilities, protecting your credit, and understanding how lenders view these products when assessing your borrowing power.Find out your next step in property finance:You Have My Interest is brought to you by Everlend, a mortgage and finance broking firm built for the purpose of educating and empowering you to make informed financial decisions tailored to your wealth goals.Find out more and book in your free initial consultation at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.everlend.com.au/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Get in touch:Find out more about You Have My Interest at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠everlend.com.au/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and connect with us at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast@everlend.com.au⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You Have My Interest provides information and educational content relating to mortgages, finance and property. You Have My Interest's content is general in nature and does not take into account the individual financial, legal or tax needs or objectives of its audience members.It is not intended as a substitute for professional advice. Listeners should seek out a licensed professional to discuss their individual financial, legal and tax requirements.If you need mortgage or finance advice tailored to your own personal situation, contact ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Everlend⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today for a free consultation. Everlend are authorised credit representatives of Loan Market Pty Ltd, Australian Credit Licence number 390222Podcast produced with ⁠Real Time Virtual Assistance

GATEWAY CINEMA is a multi-part series of conversations centered on key ideas in film studies. In these conversations, we interpret and celebrate a set of eclectic feature films from across generations and from around the world, including “La Haine”, “Drum”, “Alien 3 (Assembly Cut)”, “Come and See”, “Perfect Days”, “The Sweet Smell of Success”, “The Swimmer”, “Amadeus (Director's Cut)”, “Bring Me the Head of Alfredo Garcia”, “Friday”, “Marie Antoinette”, “The Night of the Hunter”, “Crank” and “Crank 2: High Voltage”, “Portrait of a Lady Fire”, “The Fabulous Baron Munchausen”, “Joker: Folie a Deux”, “Welcome to the Dollhouse”, “Heathers”, and “The Death of Stalin”.***Referenced media in GATEWAY CINEMA, Episode 2:“The Jerry Springer Show” (Burt Dubrow, 1991-2018)“Roots” (David L. Wolper, 1977)“Gone With the Wind” (Victor Fleming, 1939)“Alien” (Ridley Scott, 1979)“Mandingo” (Richard Fleischer, 1975)“Sweet Sweetback's Baadasssss Song” (Melvin Van Peebles, 1971)“Battlestar Galactica” (Glen A. Larson, 1978-1979)“Star Trek” (Gene Roddenberry, 1966-1969), including S1 E26 “Errand of Mercy”“Jo Jo Dancer, Your Life Is Calling” (Richard Pryor, 1986)“Pretty Baby” (Louis Malle, 1978)“Conan the Barbarian” (John Milius, 1982)“Song of the South” (Harve Foster and Wilfred Jackson, 1946)“Ilsa, She Wolf of the SS” (Don Edmonds, 1975)“M*A*S*H” (Larry Gelbart, 1972-1983)“Ran” (Akira Kurosawa, 1985)“Django Unchained” (Quentin Tarantino, 2012)“12 Years a Slave (Steve McQueen, 2013)“Bring Me the Head of Alfredo Garcia” (Sam Peckinpah, 1974)“Private Property” (Leslie Stevens, 1960)“Ride the High Country” (Sam Peckinpah, 1962)“Stripes” (Ivan Reitman, 1981)“Blazing Saddles” (Mel Brooks, 1974)“The Bad News Bears” (Michael Ritchie, 1976)“Sparkle” (Sam O'Steen, 1976)“All the President's Men” (Alan J. Pakula, 1976)“Family Plot” (Alfred Hitchcock, 1976)“Grizzly” (William Girdler, 1976)“Jaws” (Steven Spielberg, 1975)“Embryo” (Ralph Nelson, 1976)“Leadbelly” (Gordon Parks, 1976)“Silent Movie” (Mel Brooks, 1976)“Logan's Run” (Michael Anderson, 1976)“The Omen” (Richard Donner, 1976)“The Outlaw Josey Wales” (Clint Eastwood, 1976)“The Bingo Long Traveling All-Stars & Motor Kings” (John Badham, 1976)“The Shootist” (Don Siegel, 1976)“Bugsy Malone” (Alan Parker, 1976)“The Birth of a Nation” (Nate Parker, 2016)“Birth of a Nation” (D.W. Griffith, 1915)Audio quotation in GATEWAY CINEMA, Episode 2:“Drum” (Steve Carver, 1976), including the song “Tell My Story” composed by Charlie Smalls“The Jerry Springer Show” (Burt Dubrow, 1991-2018), https://www.youtube.com/watch?v=dize77oSCPE“Anvil of Crom”, composed by Basil Poledouris for “Conan the Barbarian” (John Milius, 1982)“Zip-a-Dee-Doo-Dah”, composed by Allie Wrubel and Ray Gilbert for “Song of the South” (Harve Foster and Wilfred Jackson, 1946)“Stripes” (Ivan Reitman, 1981)

My conversation with Matthew Walker, PhD on faculty at UC Berkeley where he is a professor of neuroscience and psychology, the founder and director of the Center for Human Sleep Science, and has a long history of seminal contributions on sleep science and health. Audio File (also downloadable at Apple Podcast and Spotify)“Sleep is a non-negotiablebiological state required for the maintenance of human life . . . our needsfor sleep parallel those for air, food, and water.”—Grandner and FernandezEric Topol (00:07):Hello, it's Eric Topol with Ground Truths, and I am really delighted to welcome Matt Walker, who I believe has had more impact on sleep health than anyone I know. It's reflected by the fact that he is a Professor at UC Berkeley, heads up the center that he originated for Human Sleep Science. He wrote a remarkable book back in 2017, Why We Sleep, and also we'll link to that as well as the TED Talk of 2019. Sleep is Your Superpower with 24 million views. That's a lot of views here.Matt Walker:Striking, isn't it?Eric Topol:Wow. I think does reflect the kind of impact, you were onto the sleep story sooner, earlier than anyone I know. And what I wanted to do today was get to the updates because you taught us a lot back then and a lot of things have been happening in these years since. You're on it, of course, I think you have a podcast Sleep Diplomat, and you're obviously continued working on the science of sleep. But maybe the first thing I'd ask you about is in the last few years, what do you think has been, are there been any real changes or breakthroughs in the field?What Is New?Matt Walker (01:27):Yeah, I think there has been changes, and maybe we'll speak about one of them, which is the emergence of this brain cleansing system called the glymphatic system, but spreading that aside for potential future discussion. I would say that there are maybe at least two fascinating areas. The first is the broader impact of sleep on much more complex human social interactions. We think of sleep at maybe the level of the cell or systems or whole scale biology or even the entire organism. We forget that a lack of sleep, or at least the evidence suggests a lack of sleep will dislocate each other, one from the other. And there's been some great work by Dr. Eti Ben Simon for example, demonstrating that when you are sleep deprived, you become more asocial. So you basically become socially repellent. You want to withdraw, you become lonely. And what's also fascinating is that other people, even they don't know that you sleep deprived, they rate you as being less socially sort of attractive to engage with.Matt Walker (02:35):And after interacting with you, the sleep deprived individual, even though they don't know you're sleep deprived, they themselves walk away feeling more lonely themselves. So there is a social loneliness contagion that happens that a sleep deprived lonely individual can have almost a viral knock on effect that causes loneliness in another well-rested individual. And then that work spanned out and it started to demonstrate that another impact of a lack of sleep socially is that we stop wanting to help other people. And you think, well, helping behavior that's not really very impactful. Try to tell me of any major civilization that has not risen up through human cooperation and helping. There just isn't one. Human cooperative behavior is one of our innate traits as homo sapiens. And what they discovered is that when you are insufficiently slept, firstly, you don't wish to help other people. And you can see that at the individual level.Matt Walker (03:41):You can see it in groups. And then there was a great study again by Dr. Eti Ben Simon that demonstrated this at a national level because what she did was she looked at this wonderful manipulation of one hour of sleep that happens twice a year to 1.6 billion people. It's called daylight savings time at spring. Yeah, when you lose one hour of sleep opportunity. She looked at donations across the nation and sure enough, there was this big dent in donation giving in the sleepy Monday and Tuesday after the clock change. Because of that sleep, we become less willing to empathetically and selflessly help other individuals. And so, to me I think it's just a fascinating area. And then the other area I think is great, and I'm sorry I'm racing forward because I get so excited. But this work now looking at what we call genetic short sleepers and sort of idiots like me have been out there touting the importance of somewhere between seven to nine hours of sleep.Matt Walker (04:48):And once you get less than that, and we'll perhaps speak about that, you can see biological changes. But there is a subset of individuals who, and we've identified at least two different genes. One of them is what we call the DEC2 gene. And it seems to allow individuals to sleep about five hours, maybe even a little bit less and show no impairment whatsoever. Now we haven't tracked these individuals across the lifespan to truly understand does it lead to a higher mortality risk. But so far, they don't implode like you perhaps or I would do when you are limited to this anemic diet of five hours of sleep. They hang in there just fine. And I think philosophically what that tells me, and by the way, for people who are listening thinking, gosh, I think I'm probably one of those people. Statistically, I think you are more likely to be struck by lightning in your lifetime than you are to have the DEC2 gene. Think about what tells us, Eric. It tells us that there is a moment in biology in the evolution of this thing called the sleep physiological need that has changed such that mother nature has found a genetic way to ZIP file sleep.Matt Walker (06:14):You can essentially compress sleep from seven to nine hour need, down to five to six hour need. To me, that is absolutely fascinating. So now the race is on, what are the mechanisms that control this? How do we understand them? I'm sure much to my chagrin, society would like to then say, okay, is there a pill that I can take to basically ZIP file my own sleep and then it becomes an arms race in my mind, which is then all of a sudden six hours becomes the new eight hours and then everyone is saying, well, six hours is my need. Well I'll go to four hours and then it's this arms race of de-escalation of sleep. Anyway, I'm going on and on, does that help give you a sense of two of the what I feel the more fascinating areas?Eric Topol (07:01):Absolutely. When I saw the other recent report on the short sleep gene variant and thought about what the potential of that would be with respect to potential drug development or could you imagine genome editing early in life that you don't need any sleep? I mean crazy stuff.Matt Walker (07:19):It was amazing.Glymphatics and Deep Sleepfor more, see previous Ground Truths on this topic Eric Topol (07:22):No, the mechanism of course we have to work out and also what you mentioned regarding the social and the behavior engagement, all that sort of thing, it was just fascinating stuff. Now we touched on one thing early on to come back to the glymphatics these channels to get rid of the waste metabolites from the brain each night that might be considered toxic metabolites. We've learned a lot about those and of course there's some controversy about it. What are your thoughts?Matt Walker (07:55):Yeah, I think there's really quite comprehensive evidence suggesting that the brain has this cleansing system like the body has one the lymphatic system, the brain has one the glymphatic system named after these glial cells that make it up. And I think there's been evidence from multiple groups across multiple different species types, from mouse models all the way up to human models suggesting that there is a state dependent control of the brain cleansing system, which is a fancy way of saying if you are awake in light NREM, deep NREM or perhaps you're just quiet and you are resting in your wakefulness, the glymphatic system is not switched on at the same rate across all of those different brain states. And I think the overwhelming evidence so far using different techniques in different species from different groups is that sleep is a preferential time. It's not an exclusive time, it's a preferential time when that brain cleansing system kicks into gear because as some people have, I think argued, and you could say it's hyperbolic, but wakefulness is low level from a biochemicals perspective, it's low level brain damage and sleep is therefore your sanitary salvation that combat that biochemical cascade.Matt Walker (09:15):So in other words, a better way of putting it would be, sleep is the price that you pay for wakefulness in some ways. And I think there was a recent controversial study that came out in 2022 or 2023, and they actually suggested quite the opposite. They said using their specific imaging methods, they found that the sort of clearance, the amount of cerebral spinal fluid, which is what washes through the brain to cleanse the toxins, the rate of that flow of cerebral spinal fluid was highest during wakefulness and lowest during deep NREM sleep, the exact opposite of what others have found. Now, I think the defendants of the glymphatic sleep dependent hypothesis pushed back and said, well, if you look at the imaging methods. Firstly, they're nonstandard. Secondly, they were measuring the cerebral spinal flow in an artificial way because they were actually perfusing solutions through the brain rather than naturally letting it flow and therefore the artificial forcing of fluid changed the prototypical result you would get.Matt Walker (10:27):And they also argued that the essentially kind of the sampling rate, so how quickly are you taking snapshots of the cerebral spinal fluid flow. Those were different and they were probably missing some of the sleep dependent slow oscillations that seemed to sort of drive that pulsatile flow. Honestly, I think that paper was still very well done, and I still think there is right now, I would still cleave to the majority of overwhelming evidence considering it's not just from one group in one species, but across multiple species, multiple groups. And I think it's nevertheless a weight of burden that has pushed back. And my sense right now, I used to think and cleaves to the notion that it was a sleep expressly selective process. Now I don't think that that's the case anymore. I think that the glymphatic system is a dynamic system, but it's always looking for the opportunity to go into cleansing mode. And you can kind of go into almost like a low battery mode when you are awake, but in quiet rest. And I think that can drive some already early clearance from the brain and then when you go into sleep, it's like powering your phone off entirely. It truly gets the chance to cleanse and reboot the biochemical system. But I think it's really interesting. I think there's a lot of work still yet to be done. It's not quite as case closed as we used to think.Eric Topol (12:03):Yeah, I mean first of all, it's great that you straighten out the controversy because that's exactly what I was referring to. And secondly, as you also pointed out, the weight of the evidence is that it's a sleep dependent phenomena, particularly during flow wave deep sleep is at least what I've seen.Matt Walker (12:21):Yes.Eric Topol (12:22):What's also interesting, your point about it being dynamic, which fascinating, there was a paper in my field of cardiology, people with atrial fibrillation had less active glymphatic, less clearance which was really interesting. And then the other finding that's also noteworthy was that Ambien made things worse. What do you think about that?We Are An Embodied OrganismMatt Walker (12:45):I think it's really interesting, and just to come back to your point about the AFib paper, what we know is that this cleansing system in the brain does seem to track the big slow brainwaves of deep slow wave sleep, but it's not only tracking the big slow brainwaves. If anything, there's something to do with the cardiorespiratory cycle, the respiration rate and the cardiac signal that may actually sink with the brainwaves. And it's essentially a cardiorespiratory neurophysiological coupling, which is a lot of ways, which is to say heart, lungs and brain coupled together. And it's the coupling of the cardiorespiratory slow oscillations that drive these pulsatile fluid mechanical, it's literally a hydro mechanical, hydro meaning cerebral spinal fluid push and pull in and out of the system drawing those metabolites out. So ago, if you have a disrupted either cardiac or respiratory or neurophysiological signal, no wonder the glymphatic system isn't going to work as efficiently.Matt Walker (14:00):I think that's a beautiful demonstration of the hemineglect that people like me who study sleep largely from the neck upwards would miss. But if you think about sleep is not just for the brain, it's for the body and it's not just for the body, it's for the brain. And we're an embodied organism. We study the organism in silos, neurology, psychiatry, cardiology, respiratory, but they all interact. And so, I think what's lovely about your example is the reminder that if you don't study the body in this study of the glymphatic system, you could miss out a profound explanation that possibly accounts for the head scratching, I don't know why we're getting this result. So that's a long way to come back to it. But the same group that was the pioneer in the discovery of the glymphatic system led by Maiken Nedergaard at the University of Rochester.In SUPER AGERS, p. 57. SRI-sleep regulatory indexSleep MedicationsMatt Walker (15:01):She has gone on to then look to say, well, if this is a sleep dependent process of brain cleansing during deep sleep, what about sleeping pills because so many people are either taking or are addicted to sleeping pills. And we've gone through, we're in the era of web 3.0 with sleeping pills, we started off web 1.0 which were the benzos, the kind of temazepam, diazepam, lorazepam. Then we went to web 2.0, which was sort of the Ambien (zolpidem), Lunesta, Sonata. And what was common about those two classes of drugs is that they both went after something called the GABA receptor in the brain, which is this major inhibitory receptor in the brain. And essentially, they were called sedative hypnotics because they sedated your cortex. And when you take an Ambien and not going to argue you're awake. You're clearly not awake, but to argue you're a naturalistic sleep, if you look at this, physiology is an equal fallacy.Matt Walker (16:01):They made this interesting experimental hypothesis that when you take Ambien, you sleep longer and based on how you score deep sleep, it would seem as though Ambien increases the amount of minutes that you spend in deep sleep. But if you look at the electrical signature during that “increased deep sleep” it's not the same. Ambien takes a big bite. There's a big dent out of the very slowest of the slow brainwaves, and it's the slowest of the slow brainwaves that drive the glymphatic system. So what they found was that when you take Ambien or you give mice Ambien. Yes, they sleep longer, they seem to have more deep sleep, but the brain cleansing mechanism seem to be reduced by anywhere between 30-40%, which is counterintuitive. If you are sleeping more and you're getting more deep sleep and the glymphatic system is active during deep sleep, you should get greater cleansing of the brain.Matt Walker (17:05):Here they found, yes, the drug increased sleep, particularly deep sleep, but it empowered the cleansing of the brain system. Now, have we got evidence of that in humans yet? No, we don't. I don't think it's far away though, because there was a counter study that brings us onto web 3.0. There's a new class of sleep medications. It's the first class of medications that have actually been publicly advocating for, they're called the DORAs drugs, and they are a class of drugs and there's three of them that are FDA approved right now. DORA stands for dual orexin receptor antagonists, which means that these drugs go in there and they block the action of a chemical called orexin. What is orexin? Orexin is the volume button for wakefulness. It dials at wakefulness, but these drugs come into your system and unlike the sedative sort of baseball bat to the cortex, which is Ambien, these drugs are much more elegant.Matt Walker (18:11):They go down towards the brainstem and they just dial down the volume on wakefulness and then they step back, and they allow the antithesis of wakefulness to come in its place, which is this thing called naturalistic sleep. And people sleep longer. So as a scientist, you and I perhaps skeptics would then say, well, so you increase sleep, and I have four words for you. Yes, and so what. Just because you increase sleep, it doesn't mean that it's functional sleep. It could just be like the old notion of junk DNA, that it's epiphenomenal sleep. It's not functional sleep. There was a study out of WashU and they took 85-year olds and above and they gave them one of these DORAs drugs. It's a drug called Belsomra, it's a play on good sleep or beautiful sleep, chemical named suvorexant and randomized placebo control. What they found is that when they took the drug, yes, these older adults slept longer, they had more deep sleep, but then what they did was clever. Before and after the night of sleep, they drew blood because we can now measure markers of β-amyloid and tau protein circulating in the bloodstream, which are these two markers of Alzheimer's disease.Matt Walker (19:28):Why is that relevant to the glymphatic system? It's relevant because two of the pieces of metabolic detritus that the cleansing system washes away at night, β-amyloid and tau. I'm sure enough of what they found was that not only did the adults sleep longer with these sleeping medications, they also had a greater clearance of β-amyloid and tau within the bloodstream. So this was the exact opposite of the Ambien study, which was where they were seeing an impairment in the glymphatic activity. Here in humans was a study with the web 3.0 sleep medications. Suvorexant, not only did it increase sleep, but it seemed to increase. Well, the assumption was that it was increasing glymphatic clearance because at least as the end outcome product, there was greater clearance of β-amyloid and tau protein in the blood. It wasn't just junk sleep, it was functional sleep. So for the first time I'd seen a sleeping medication that increased sleep more naturalistically, but that increased sleep made you the organism function better the next day as a consequence. Does that make any sense?Eric Topol (20:38):Absolutely. And it's interesting that we may have a sleep medicine finally or a class that actually is doing what is desired. This is one of the other things I was going to ask you about is that as you pointed out, this is an interaction throughout the organism, throughout the human being, and we've seen studies about how sleep disrupts metabolism and through that of course, and even separately, can take down our immune system or disrupt that as well. And so, one of the questions I guess is your thoughts about these other effects because you mentioned of course the potential of looking at things like p-Tau217 markers or other markers that would denote the status of your ultimate risk for moving on to Alzheimer's disease. But there's these other factors that also play a role with lack of adequate sleep and perhaps particularly sleep quality. I wonder if you could just comment about this because there's so many different systems of the body that are integrated here, and so the sanitary effect that you just described with the ability to potentially see less, at least biomarkers for what would be considered risks to ultimately develop Alzheimer's, there's also these other very important effects when we talk about high quality sleep, I guess, right? And maybe you could comment about that.Matt Walker (22:21):Yeah, I think quantity is what we've been talking about in some ways, but quality has also come onto the radar as absolutely essential. And what we find is that the quality of your sleep is as if not more predictive of both all-cause mortality, cardiovascular mortality, metabolic mortality, and in some regards, cancer mortality as well. And when I say quality of sleep, what we're really referring to here is at least one of two things. One is the continuity of your sleep. So you could be sleeping for eight and a half hours according to your sleep tracker, but maybe you are getting eight and a half hours by spending ten hours of time in bed because you are awake so much throughout the night and your sleep is very sort of punctured and littered with all of these awakenings across the night. That's sufficient quantity of sleep eight and a half hours, but it's poor quality of sleep because you are spending too much time awake.Matt Walker (23:30):And so, our measure of quality of sleep typically is what we call sleep efficiency. Of the time that you are in bed, what percent of that time are you asleep? And we like to see some measure of at least 85% or above because once you get less than 85% in terms of your sleep quality or your sleep efficiency, then you start to see many of these unfolding system-wide impairments. You seem to have high risk of diabetes, high risk obesity, high risk, as we said, cardiovascular disease. Also, hormonal changes both in men and in women. We see upstairs in the brain with poor quality of sleep, much more so than quantity of sleep. Poor quality of sleep is a more powerful predictor of mood disturbances and psychiatric conditions. And in fact, I think if you look at the data, at least in my center in the past 23 years, we've not been able to discover a single psychiatric condition in which sleep is normal, which to me is a stunning revelation. And what that tells us is that in many of those conditions they do seem to be getting not too bad of quantity of sleep. What is the marker of psychiatric sleep disturbance is not short quantity, it's poor quality of sleep. So I think it's a wonderful important point that I don't think we pay enough attention to, which is the quality.Eric Topol (25:05):Yes. And the other thing that you've emphasized, and I just want to reiterate to people listening or watching that is the regularity story, just like you said with quality. The data and I'll put the figure in that shows the link between regularity and cardiovascular, neurodegenerative, cancer, that regularity thing. A lot of people don't understand how important that is as well.Matt Walker (25:30):Stunning study from data from the UK Biobank, and this is across thousands and thousands of individuals and they tracked quantity and they tracked regularity and they split people up into the quartiles, those who were most regular and those who were least regular. And as you'll see in those sort of the figure that you flash up, those people who were in the upper quartile of regularity, de-risk all-cause mortality, cancer mortality, cardiovascular mortality, it was stunning. And then they did a cute little experiment of a statistical test where they took quantity because they had it in these individuals and regularity and they kind of put them in the same statistical bucket and did a sort of a Coke Pepsi challenge to see which one won out. And what it seemed to be was that regularity almost beat out quantity in terms of predicting all-cause mortality. Now that's not to say that you can get away with saying, well, I sleep four hours a night, but I sleep very regularly, consistently four hours a night. No, you need both, but regularity. I was someone who based on my remarkably vanilla and pedestrian personality, I've always been quite regular in my regard. But goodness me, even when I read that paper, I thought I'm doubling down on regularity. It's so important. That tells us, I think something that is in some ways a story not about sleep. It's a story about your circadian rhythm.Matt Walker (27:02):We speak a lot, or I speak a lot about sleep, and I think I've probably done a mis service to the other aspect of the sleep wake rhythmicity, which is called your 24 hours circadian rhythm. Now your sleep pressure, the drive to sleep is independent of your circadian rhythm, but they often work beautifully in harmony with each other, and you fall asleep, and you stay asleep. But I think the circadian system is critical because, excuse me, and what the circadian rhythm also regulates, sneezing right at the inopportune moment when you are recording a podcast. But nevertheless, what that tells me is that when you feed your brain signals of wake sleep consistency, which is to say wake, sleep, timing, regularity, there is something about feeding the brain signals of regularity that anchor your 24-hour circadian rhythm and as a consequence, it improves the quantity and the quality of your sleep. They're intertwined.What About Sleep Trackers?Eric Topol (28:09):That's a terrific explanation for what I think a lot of people don't appreciate it's importance. Now, last topic about tracking. Now we understand how important sleep is. It is the superpower I am with you on that really brought that to light in so many ways. But of course, now we can track it with rings with smart watches and we get these readouts things like efficiency as part of the Oura score and other rings and deep sleep or NREM, REM, the works, you can see your awake times that you didn't know you're awake and the whole bit. Do you recommend for people that aren't getting great sleep quality beyond that they should try to establish a regular schedule that they should track to try to improve it and of course how would they improve it? Or are these things like having a cold mattress temperature that is controlled? What are the tricks that you would suggest for trying to improve your sleep through tracking? Or do you think tracking shouldn't be done?Matt Walker (29:16):Oh gosh, it's such a wonderful question and as with wonderful questions, the answer is usually it's complicated and I have to be careful because for someone who's currently wearing three different sleep trackers, it's going to be hard for me to answer this question completely in the negative. And there are three different sleep trackers. But I would say that for the most part, I like the idea of sleep tracking if you are sleeping well, meaning if as long as you're not suffering from insomnia. The reason is because sleep unlike those two other critical of health, which is diet and exercise, is very difficult to subjectively estimate. So if I were to ask you, Eric, how many times have you worked out in the past week, you'd be able to tell me how cleanly or how poorly have you been eating in the past week. You could tell me.Matt Walker (30:09):But if I was to say to you, Eric, how much deep sleep did you get last Tuesday? And if you don't have a sleep tracker, you'd say, I don't know. And so, there's something useful about tracking, especially a non-conscious process that I think is meaningful to many. And often medicine we say what gets measured gets managed, and there is that trite sort of statement. I do think that that's still true for sleep. So many people I've spoken to have, for example, markedly reduced the amount of alcohol consumption because they've been seeing the huge impact that the alcohol consumption in the evening has on their ring smart ring data as a consequence. So overall, I think they're pretty good. When people ask me what's the best sleep tracker, I usually say it's the one that you wear most frequently because if I come up with a band, headband, chest straps, all sorts of different things and it's a hundred percent accurate, but after three uses of it, you stop using it, that's a useless sleep tracker. So I like to think about sleep trackers that are low friction and no friction. When we go to sleep, we take things off, we don't put things on. That's why I liked things like the ring. For example, I think that's a non-intrusive way. I think the mattress may be as if not better because it's a completely friction less device. You don't have to remember to charge it. You don't have to put it on, you just fall into bed, and it tracks your sleep.Matt Walker (31:40):One form factor, I like to think about sleep trackers is the form factor itself. But then the other is accuracy. And I think right now if you look at the data, probably Oura is winning the ring kind of wars. If you look at all wristband wars, I think it's probably the most accurate relative to something like Fitbit or Apple Watch or the Whoop Band. But they're all pretty close. I think Oura is probably the leader in class right now at least. Keep in mind that I used to be an advisor for Oura. I want to make that very clear. So take what I say with a grain of salt in that regard. I think to your question, well, I'll come back to mattresses in just one second.Matt Walker (32:34):For people who are struggling with sleep, I think you've got to be very, very careful with sleep trackers because they can have the counterproductive effect where I gave you the example of alcohol or eating too late. And these sleep trackers help you modify your behaviors to improve your sleep. Well, there are places where these trackers can actually do you a disservice. When you get so hyper focused on your data and your data not looking good each and every day, it becomes a self-fulfilling prophecy of a negative spiral. And we now have a condition in sleep medicine called orthosomnia. So ortho in medicine typically means straightened. So you've heard of orthodontic straightening teeth, orthopedic straightening bones, orthosomnia is about getting so obsessed with getting your sleep perfect and your sleep straight that it causes an insomnia like syndrome. Now, I don't know, I think the press has made more of this than there is.Matt Walker (33:30):It probably is about 5-7% of the population. I would say at that moment in time, do one of two things. Either take the ring off entirely and just say, I'm going to get my sea legs back underneath me, get some cognitive behavioral therapy for insomnia. And when I'm confident I'll put the ring back on. Or don't throw the baby out with the bath water, keep wearing the ring. Try to say to yourself only on let's say a Sunday afternoon, will I open up the app and look historically what's been happening during the past week so that you keep getting your data, but you don't get the angiogenic daily sort of repetition of reinforcement of I'm not sleeping well. I should also note by the way that I think sleep trackers are not a substitute for either a sleep recording laboratory, but also, they're not a substitute for ultimately telling you entirely how good your sleep is.Matt Walker (34:24):Don't forget, you should always keep in mind how do I feel the next day? Because I think a lot of people will see their readiness score as 92 and they feel miserable. They just feel rough. And then another day, my readiness score was 62 and I just went out and I just ran my fastest five mile that I've done in the past six months. So don't forget that subjective sense of sleep is just as important as objective measures of sleep. The final thing I would say to your point about the mattresses, I actually do think that they are a really great vehicle for sleep augmentation because these smart mattresses, they're filled with sensors, things like Eight Sleep, and they will assess your physiology, they will track your sleep just like a sleep tracking ring. But what's also good is that because they can manipulate temperature and your sleep is so thermoregulatory sensitive that they create this kind, it's almost like this bent arc of thermal story throughout the night because you have to warm up at the surface to cool down at the core to fall asleep, then you have to stay cool to stay asleep, then you have to warm up to wake up and they take you through that natural change.Matt Walker (35:41):But they do it intelligently because they're measuring your sleep minute to minute. And then they're saying, I'm tweaking temperature a little bit. Has sleep improved? Has it become worse? Oh, it's become better. Let's lean into that. Let's get them even colder. Oh, wait a second, it's getting worse. Let's warm it back up a little bit. It's like a staircase method, like a Richter shock. And gradually they find your sweet spot and I think that is a really elegant system. And now they're measuring snoring. Snoring perturbations, and they can augment the bed and raise the angle of the bed up just a little bit so that the gravity doesn't have as much of a hold on your airway because when you're lying on your back, the airway wants to collapse down to gravity, and when you raise back up again, it will change that. And so, I think that there's lots of new advantages in, I think mattress technology that we'll see coming out into the future. I think it's a great vehicle for sleep augmentation.Eric Topol (36:37):That's terrific. Well, this has been for me, very educational, as I would've predicted, if anybody's up on everything in this area, it would be you. So thank you, Matt. It's a really brilliant discussion, really enlightening. We could talk some more hours, but I think we've encapsulated some of the big things. And before we finish up, is there anything else you wanted to say?Matt Walker (37:05):No, I think just to thank you for both your work in general in terms of science communication, your offer here specifically to allow me to try to be a very poorly communicated voice of sleep, and also just what you've done in general for I think the accuracy of science communication out into the public. Please never stop, continue to be a shining light for all of us. You are remarkable. Thank you, Eric.Eric Topol (37:31):Oh, you're very kind. And I look forward to the next chance we get to visit in person. It's been too long, Matt. And all the best to you. Thanks for joining today.************************************************A quick pollI cover much about sleep and healthy aging in SUPER AGERS, which has been on the NYT Bestseller list for 3 weeks. I'm very grateful to many of you for being one of the book's readers.And thanks for reading and subscribing to Ground Truths.If you found this interesting please share it!That makes the work involved in putting these together especially worthwhile.All content on Ground Truths—its newsletters, analyses, and podcasts, are free, open-access.Paid subscriptions are voluntary and all proceeds from them go to support Scripps Research. They do allow for posting comments and questions, which I do my best to respond to. Many thanks to those who have contributed—they have greatly helped fund our summer internship programs for the past two years Get full access to Ground Truths at erictopol.substack.com/subscribe

Zip, zap, zop! Prepare your brain for some shocking trivia about electricity. Are electric eels actually electric? What did people call them before we had a word for electricity? Get charged up with Chris' "Complete The Circuit" word game. Colin gets juiced up by college rock, and learn about landmark moments in electronica with Karen's synthy quiz. For advertising inquiries, please contact advertising@airwavemedia.com! Learn more about your ad choices. Visit megaphone.fm/adchoices

Buy Now, Pay Later providers like Afterpay and Zip have been hit with new government regulations. The new laws classify the products as a form of credit, requiring responsible lending obligations, credit checks and further protections for customers, but what does that mean for the roughly 40 per cent of Australians who use the products? - Ang mga kumpanyang nagbibigay ng Buy Now, Pay Later (BNPL) gaya ng Afterpay at Zip ay sakop na ngayon ng bagong batas. Pero ano ang epekto nito sa higit 40% ng mga Australyanong gumagamit ng ganitong paraan ng pagbabayad?

Buy Now, Pay Later (BNPL) services like Afterpay and Zip are now officially treated as credit products under new Australian regulations. From mandatory credit checks to tighter consumer protections, the reforms aim to curb rising debt and protect vulnerable users. While advocates welcome this long-overdue move, concerns remain about people juggling multiple BNPL accounts and falling into debt traps. With late fees historically making up a large share of revenue, the changes mark a major shift in how these services operate.

Aanbieders van 'Buy Now, Pay Later' zoals Afterpay en Zip krijgen te maken met nieuwe overheidsregels. Maar wat betekent dat voor de ongeveer 40% van de Australiërs die deze producten gebruiken?

Afterpay, Zip වැනි පහසු ගෙවීමේ සේවා සපයන ඕස්ට්‍රේලියාවේ විවිධ සේවාවන් සඳහා රජය විසින් නව නීති පැනවීමට කටයුතු කර තිබෙනවා. මේ අනුව මෙම සේවාවන්ද සාමාන්‍ය ණයපත් එනම් ක්‍රෙඩිට් කාඩ්පත් ලෙස සැලකෙන අතර මේ හේතුවෙන් ණය ලබාගන්නා පුද්ගලයා පිලිබඳ සිදුකරන සොයාබැලීම් එනම් credit checks සිදුකිරීම වැනි වගකීම් සහගත ලෙස නය ලබාදීමට අදාළ ක්‍රියාකාරකම් සිදුකිරීමට මෙම ආයතන වලට සිදුවනවා.ඕස්ට්‍රේලියානුවන් 40%ක් පමණ මෙම සේවාවන් ලබා ගන්නා අතර මෙම නව නීති හරහා ඔවුනට සිදුවන බලපෑම විමසා බැලීම මෙහිදී වැදගත් වනවා. මේ පිලිබඳ වැඩිදුර තොරතුරු අද කාලීන තොරතුරු විග්‍රහයෙන්

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Các nhà cung cấp dịch vụ ‘Mua ngay, Trả sau' như Afterpay và Zip' đã bị ảnh hưởng bởi các quy định mới của chính phủ, nhưng điều đó có ý nghĩa gì đối với khoảng 40 phần trăm người Úc' sử dụng các sản phẩm này? Các luật mới phân loại các sản phẩm này là một hình thức tín dụng, yêu cầu các nghĩa vụ cho vay có trách nhiệm, kiểm tra tín dụng và các biện pháp bảo vệ khác cho khách hàng.

Buy Now, Pay Later providers like Afterpay and Zip have been hit with new government regulations, but what does that mean for the roughly 40 per cent of Australians who use the products? The new laws classify the products as a form of credit, requiring responsible lending obligations, credit checks and further protections for customers.

It has been a solid session today as the Aussie market has cracked a fresh record high once again. Laura and Stevie discuss the session where most of the sectors have seen gains and discuss the big winners with Zip continuing to forge ahead following the growth that it saw yesterday. Qantas gained attention as did Pilbara, and they look to the days ahead with upcoming inflation data one to watch. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

With Amazon launching a marketplace offering, could Wesfarmers, Harvey Norman and JB Hi-Fi be shaking in their boots? MARKET WRAP: ASX200: up 0.06% to 8,592 GOLD: $3,338 US/oz BITCOIN: $168,037 AUD An earnings guidance increase for BNPL company Zip helped its shares more than 15% higher. Monash IVF rebounded from yesterday’s drop, gaining 11% Fletcher Building told the market that it’s fielding inquiries on its business, helping it to lift 10% to $3.08. Qantas offloading JetstarAsia saw it down 1.3% to $10.50 on the day. Perseus Mining down 6% to $3.62. Xero down 2.3% and Technology One falling 3.8% Commbank losing 0.3%, with NAB down the same amount. CURRENCY UPDATE: AUD/USD: 65.2 US cents AUD/GBP: 48.3 pence AUD/EUR: 57 Euro cents AUD/JPY: 94 Japanese yen AUD/NZD: 1.08 NZ dollars See omnystudio.com/listener for privacy information.

ASX 200 jumps to a record high before seeing profit taking creep in and close up only 5 to 8592 (0.1%). News from the UK on the trade talks were lacking in detail, US futures weaker before the CPI number tonight. Banks eased back with CBA off 0.3% and the Big Bank Basket down to $284.04 (0.2%). MQG fell 0.6% with insurers slightly weaker. REITs were firm, GMG up 0.2% and VCX up 2.4%. Industrials mixed, WES fell 0.6% with QAN falling 1.3% in news it was closing Jetstar Asia. Tech steady with REA up 0.6% and XRO falling 2.3%.  Resources were interesting again, BHP rallied 1.5% with FMG up 3.5%, gold miners fell again despite bullion rising, lithium stocks squeezed higher, PLS upgraded its MRE, up 5.6% and MIN rallying again up 3.2%. Uranium stocks fell, PDN was off 2.7% and LOT was down 8.6%. WDS and STO better, with BPT down 7.5% on a broker downgrade. In corporate news, ZIP raced 15.5% ahead on another guidance upgrade, JLG revealed a NBIO with no price tag attached. MVF bounced after the drubbing yesterday and FBU rose 10.0% on M&A talk. Nothing on the economic front. Asian markets better on trade talk, Japan up 0.4%, HK up 1.1% and China up 0.9%.10-year yields steady at 4.29%.Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

The market has closed in on a record high once again today kicking off the holiday shortened week with a strong performance. Stevie is solo to reflect on what we saw over the long weekend including data out of China and further trade discussions, and he discusses the sectors that saw sizable gains, with the banks, consumer discretionary, and tech home to some of the big winners. Metcash and Zip caught attention today, and Stevie looks at what could move markets in the days ahead. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

THANK YOU for subscribing to our educational YouTube Channel: https://www.youtube.com/@avantgardebooksCelebrate Ty's vivid imagination! Nonstop rain dampens the family's plans to go camping. But with a boost from Ty, the Camp-Out comes out just fine! Rhythmic text, vibrant art, family love, and Black Boy Joy shine on every page of this camping adventure.Ty's Travels: Camp-Out is a Level One I Can Read Comic, which means it's perfect for shared reading with young readers new to graphic novel storytelling. This is a Guided Reading Level (GRL) J.The Ty's Travels series is much acclaimed-—including a Geisel Honor for Zip, Zoom! and Camp-Out is named one of Chicago Public Library's Best of the Best for 2023.

【句子】-- Thank you so much.-- I just said "Zip it"! 【ModernFamilyS3E18】【发音】/θæŋk/ /juː/ /səʊ/ /mʌtʃ/ /aɪ/ /dʒʌst/ /sed/ /zɪp/ /ɪt/【发音技巧】Thank you类似连读的处理；just said不完全爆破；Zip it连读；【翻译】——太谢谢你了！——我刚刚说了“闭嘴”！【适用场合】今天的节目中，我们一起来学习一下，zip it的英文说法。其实我们在音标课的授课中，讲过一个这样的句子，叫做Zip your lips. 你也可以说Zip up your lips. 这两句话lip加不加s，单复数都是可以的，一个表示“你闭嘴”，另一个表示“你们闭嘴”。这样的表达其实都算是Zip it. 的近义说法。而且在英文中，Zip it! 也可以说成是Zip it up! 都可以表示“闭嘴、别说话”的意思；相当于Stop talking! Shut up!常用于祈使句的结构；这样的表达非常的形象，zip作名词是“拉链”，作动词是“拉上拉链”的意思；把嘴巴像拉上拉链一样，就是“闭嘴”了；下面我们来看一些相关的例子： eg: Zip it, class! The exam starts now!安静，同学们，现在开始考试。 eg: Zip it and eat your vegetables, or no dessert!别废话，把蔬菜吃了！不然没甜点吃了！ eg: A: "But Mom, I don't want to go!" B: "Zip it, Charlie! You're going to the math camp, and that's final!"A：“但是妈妈，我不想去！”B：“闭嘴，查理，你必须去参加那个数学营，没得商量！” eg: All right, everyone, zip it up! I don't want to hear another sound until the presentation is over.好了，大家伙儿，把嘴巴闭上！在演讲结束之前，我不想再听到任何声音。 eg: Zip your lip! I don't want to hear any more excuses.闭嘴！我不想再听任何借口。 eg: The teacher told the noisy students to zip their lips.老师让吵闹的学生们闭上嘴。 【尝试翻译以下句子，并留言在文章留言区】-- You're such a terrible driver!-- Zip it before I pull over and leave you here!

From terrifying Final Destination screenings to AI destroying the planet

Stroke is one of the biggest causes of death in the world — but also one of the most preventable. Up to 80–90% of strokes could be avoided with more awareness, resources, and a firmer focus on prevention over intervention. In this episode, we're joined by renowned stroke neurologist and public health pioneer Dr. Olajide Williams, MD, MS, whose ‘Hip-Hop Stroke' movement is a shining example of enacting culturally-sensitive community-wide healthcare change. In this episode, we discuss: • What actually causes a stroke (and how to spot one in seconds using the ‘act FAST' acronym) • Why blood pressure is the #1 modifiable risk factor (and how stress and sleep impact it) • How social determinants like ZIP code and health literacy shape stroke risk • How Dr. Williams' Hip Hop Stroke campaign helped kids teach their parents how to save lives • What every family should know about TIAs (‘mini-strokes') and silent strokes Whether stroke runs in your family, or you simply want to protect your brain, this episode could change (and save) lives. This is... Your Brain On Stroke. SUPPORTED BY: NEURO World. Help your brain thrive, now and into the future: https://neuro.world/  ‘Your Brain On' is hosted by neurologists, scientists, and public health advocates Ayesha and Dean Sherzai. ‘Your Brain On… Stroke' • SEASON 5 • EPISODE 6 LINKS Dr. Olajide Williams at Columbia: https://doctors.columbia.edu/us/ny/new-york/olajide-a-williams-md-ms-710-west-168th-street The Hip-Hop Public Health project: https://www.hhph.org/

Send us a textIn this episode of The Sports Marketing Machine podcast, host Jeremy Neisser unpacks a massive missed opportunity hiding in plain sight — your youth programming. From reading programs to Little League nights and summer camps, teams engage with thousands of families every year… but most fail to collect the right data that fuels future revenue.Jeremy shares why collecting just a few key data points — like birthdays, school names, and sibling info — can open the door to birthday party bookings, targeted promotions, and long-term fan engagement. Whether you run camps, clinics, kids clubs, or school nights, this episode will show you how to turn participation into ticket sales with minimal effort and maximum return.✅ Top Takeaways:You're already doing the hard part: engaging families through youth events. Now it's time to turn that engagement into insight.Collect what matters: Birthday, ZIP code, school name, sibling count — that's the data that drives repeat business.Personalized offers = more conversions: A “Happy Birthday” free ice cream voucher or invite to a themed night goes a long way.You don't need a new system: A few smart questions and simple tracking can lead to major ROI.Think long-term: Every camp signup or reading log is a warm lead for a future birthday party, family pack, or group outing.

On this episode of The Garage, we dive deep into the world of hyperlocal programmatic advertising. As the advertising landscape continues to evolve, brands and agencies are increasingly realizing the power of localized campaigns that reach customers right where they live. Listen in as James Moore, Chief Operating Officer at Simplify, joins hosts Dan Massimino and Evan Hovorka at the Fontainebleau Hotel in Miami Beach during Possible to discuss how Simplify has grown from its early days in search data to a leader in programmatic media buying focused on local audiences.Together, they explore how Simplify uses unstructured data to help advertisers and agencies build highly targeted campaigns tailored to individual ZIP codes and how these local strategies unlock greater value in every market. They discuss how foot traffic attribution and first-party data create a clearer view of how campaigns perform in the real world and why working with local data is crucial for driving better outcomes.The conversation also dives into the challenges of managing thousands of campaigns at once, the importance of automation and near real-time optimization, and how Simplify's approach has evolved to help agencies and brands navigate the complexities of local advertising at scale.From sharing stories about small-town origins to exploring how to turn offline data into actionable insights, this episode of The Garage offers a clear look at how hyperlocal advertising can create new opportunities for brands, agencies, and retailers. It's a conversation about using data smarter, scaling with precision and ensuring that every advertising dollar works harder in local communities. This episode of The Garage is not one you want to miss. LinkedInWebsite Hosted on Acast. See acast.com/privacy for more information.

There are none who seek after God. None. Nada. Zip. Zilch.

Brex has once again made the surprising, but perhaps realistic, decision to partner with another one-time competitor. This time Zip, the CEOs of both companies told TechCrunch exclusively.  In April 2022, fintech Brex announced it was making “a big push” into both the enterprise and software. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this reflective solo episode, I take a walk through the spring woods with my dog, Zip, and share thoughts on content creation, social media algorithms, and connecting with a small but meaningful audience. It's an unfiltered moment to talk about farming, marketing, and why I create videos with specific people—like farmer Sydney—in mind. Whether you're a livestock farmer, a fellow content creator, or just need a break from the noise, join me for a slow walk, a few rants, and a reminder to enjoy the birdsong.

MARKET WRAP: ASX200: down 0.45%, 8348 GOLD: $3,334 US/ounce BITCOIN: $171,650 AUD BNPL pioneer Zip fell 6.5% to $1.87 after rival Klarna warned it was seeing more customers struggling to repay their loans. Wesfarmers expects losses in its lithium business, with shares down 1.2% to $83.90. Brent Crude fell back below $65 US a barrel, wiping 1.3% from Woodside and 0.9% from Santos. Rio Tinto CEO Jakob Stausholm will step down later in the year. Fortescue also announced aftermarket that its energy head Mark Hutchinson would exit the company after almost three years. SKS Technologies, soaring 21% after securing a $100 million contract for a data centre project. Northern Star Resources up 5.4% and Newmont 2.3% higher. Insurer IAG was up by 2.7% after the ACCC cleared the way for it to buy RACQ. See omnystudio.com/listener for privacy information.

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

This episode should case hits be numbered to show rarity, Zip shares a Josh Allen black pandora downtown /25, I share my hits after ripping a full case of Bowman Chrome U Basketball hobby & what would happen to the WNBA if Caitlin Clark suffered a major injury. SCL HC S6E36

What if you could zero in on landowners who are most likely to accept your low offer—and still make a profit even in a volatile market? In today's episode of The Land Academy Show, Steven Jack Butala and Jill DeWit dive deep into an insightful analysis from two Land Academy members who break down pricing trends and volatility ZIP code by ZIP code. You'll hear how market fluctuations, volatility data, and the concept of a “dollar breakpoint” can help you spot the right deals at the right time. They also show you how to make smarter acquisitions by understanding local market behaviors—so you're not just guessing, but making data-backed decisions that can lead to big returns.

Anthony & Lyle of ProcurementIQ talk about client collaboration, leveraging data, the growth of procurement & the biggest challenges impacting teams in 2025.  IN THIS EPISODE WE DISCUSS:   [06.08] Lyle's background and the journey that led him to co-found ProcurementIQ. [09.00] How ProcurementIQ has evolved over the last decade, and where they are now. “We were learning – and so was procurement in its own right. The concept of category intelligence wasn't really a thing in 2013... Back then there was market intelligence so what we really had to learn about was that evolution.” [11.13] Anthony's background, how it sparked a passion for supply chain and why, after years in the industry, he decided to go to school for supply chain. “It's never a bad time to invest in yourself and develop your skillset.” [14.08] The biggest supply chain challenges and disruptions, and the impact they're having on procurement practitioners and their ability to plan ahead and do their jobs effectively. “It's creating a ton of uncertainty – which is the bane of our existence in this industry! It's making it much harder to plan and strategize for de-risking supply chains. And the on-off again approach to tariffs makes it even more difficult, because the calculus is constantly changing.” [16.09] Creating effective feedback loops between vendors and clients, the importance of listening, and the true story of how ProcurementIQ leveraged client feedback and collaboration to create their upgraded product suite. “We've been through a digital transformation to help our clients better navigate the complex environment they live in... Change is constant, whether it's priorities, cost savings, consolidation, risk mitigation, supplier diversity – clients are ultimately leaning on us to help them better understand, from an external market standpoint, what all of this means.” “It created a very open and honest feedback loop… And it all started with conversation and collaboration.” [22.47] ProcurementIQ's interactive website, how its market dashboard helps clients understand their buying power and leverage insights to improve it, and how benchmark pricing allows clients to engage with the marketplace in a way they haven't been able to do before. [25.58] ProcurementIQ's data and category insights, and how enhanced depth into areas like occupation profiles, external demand determinates and price driver profiles helps clients. “There's additional depth and analysis on price driver profiles to help customers construct better ‘should-cost' models and ask better questions.” [29.17] The ideal client for ProcurementIQ. [30.44] A case study detailing how ProcurementIQ helped a manufacturing client, that were looking to centralize their indirect spend and build category plans that supported stakeholder recommendations and transparency, to shorten their speed to information, boosting stakeholder engagement and supporting the team to increase efficiency. [34.20] The big questions facing the industry in the second half of 2025, and what procurement teams should be focusing on. “The big question, especially with the tariff environment, is: 'Is this going to last for the full term of this administration?' And what the heck is trade policy going to look like?! In the short-term, it's about getting creative with manufacturing capacity… and re-working supply chain networks.” “Procurement leaders are facing challenges retaining, developing and attracting strong talent… There's going to be growth in the procurement profession, so leaders and individuals need to think about what they're doing to set themselves up for success, not only for what we're facing now but what we're anticipating in the future.” [38.47] How to take advantage of ProcurementIQ's special deal for Let's Talk Supply Chain listeners.   RESOURCES AND LINKS MENTIONED:   Head over to ProcurementIQ's website now to find out more and discover how they could help you too. You can also connect with ProcurementIQ and keep up to date with the latest over on LinkedIn or Instagram, or you can connect with Anthony or Lyle on LinkedIn. If you enjoyed this episode and want to hear more about procurement, check out 462: Procurement Unlocked: Sourcing Best Practices in a Tariff-Driven World, with ProcureAbility, 243: Reinventing Freight Procurement with Emerge or 211: Transform Your Procurement Process, with Zip.  

Three hours of high drama, recorded live at Nowadays in New York. We know what you're thinking: why did it take so long to get Binh on the RA Podcast? There's no easy answer, especially given that he's been a favourite of ours for over a decade now. So to make up for lost time, the revered digger lands on the series with a tantalising three-hour mix, recorded live at Nowadays in New York earlier this year. Crammed with rare and unreleased gems spanning house, techno, and electro, RA.989 is heavy on drama, catching the Düsseldorf native in unbridled performance mode. This is Binh in 2025. But rewind across the past two decades and you'll find a DJ who excels in pretty much any situation, whether warming up for Zip or Margaret Dygas, going back-to-back with masters like Nicolas Lutz or rolling out solo sets that stretch across ten or even 12 hours. He's acted out all these scenarios most often at Berlin institution Club der Visionaere, the cosy canalside club that became a kind-of spiritual home. (He'd sometimes spend every night of the week there, before parenting duties got the better of him.) To play for half a day you need a lot of records, and the backbone of Binh's craft has long been a freakish passion for vinyl. Along with Lutz, Vera, and others in CDV's orbit, he approaches the pursuit of wax, new and old, with next-level dedication and a fondness for blind buys. That's true of RA.989, although among the un-Shazamables are many tracks that are either out or coming out on Binh's popular Time Passages label. The mix finds him on a house-y tip, luxuriating in roomy basslines, driving 303s and twinkly melodies—with just the right amount of evil. Lock in and savour a one-of-a-kind DJ, completely in the zone. @binh Find the interview at ra.co/podcast/989

URSULA'S TOP STORIES: 21 UW students suspended // Bill Gates giving it all away // Speeding crackdown // Million dollar mansions and rent control // WE NEED TO TALK. . . Medina named 10th richest ZIP code in US

If your brand is in Whole Foods, you're sitting on a goldmine—and most sellers are missing the opportunity to tap into it. Here's the move: Amazon DSP gives you access to the digital billboards inside Whole Foods locations. Yes—you can target specific Whole Foods stores by ZIP code with hyper-local ads. If you just launched in Whole Foods, this is how you drive sell-through, get noticed, and expand. ▶️ In this episode, I break down how to use Amazon's programmatic ad platform to: • Run in-store TV and billboard ads • Target affluent Whole Foods shoppers • Prioritize high-inventory or high-potential stores • Drive local awareness and boost sell-through rates • If you want to scale from 1 store to nationwide, this strategy is how you get there. Ready to assess if DSP is right for your brand? Book a FREE audit with us

Send us a textIn this episode of The Sports Marketing Machine podcast, host Jeremy Neisser breaks down how sports teams can turn end-of-season fan surveys into a powerful tool for driving next season's ticket sales and improving game day experience. Instead of sending out generic surveys that lead nowhere, Jeremy walks through five key categories every fan survey should cover — from ticket access to promotional impact — and explains how to structure questions for actionable insights.He also reveals how dynamic dashboards (like Power BI) transform raw survey responses into strategic clarity by tying fan feedback directly to buyer behavior. Whether you're sending your first survey or looking to overhaul your current one, this episode helps teams ask smarter questions and make smarter decisions.✅ Top Takeaways:Generic Surveys Waste Time: If your survey questions aren't connected to outcomes, they're not helping you improve.Targeted & Segmented = Actionable: Separate your ticket plan holders from single-game buyers for more accurate insights.Dynamic Dashboards > Static Reports: Interactive reporting helps teams spot patterns and pivot faster.Ask the Right Questions in 5 Categories:Experience: "Rate your overall game day from 1–10."Ticket Access: "How easy was it to buy or access your tickets?"Promotions: "Did a theme night influence your decision to attend?"Intent: "How likely are you to come back next season?"Demographics: Age, Zip, Family status — all crucial for targeting.Use Surveys to Shape Strategy — Not Just Summarize the Season: Align fan feedback with ticketing data to guide promotions, pricing, and messaging for next year.

Join me for episode 425 of the Mobile Tech Podcast with guest Abrar Al-Heeti of CNET -- brought to you by Mint Mobile. In this episode, we compare Google's Pixel 9 Pro Fold vs. Oppo's Find N5 cameras, review Aurzen's Zip projector, and discuss a bunch of new phones -- including Nothing's CMF Phone 2 Pro, the OnePlus 13T, Vivo's X200 Ultra, Motorola's Edge 60 series, and Nubia's Z70S Ultra. We also cover the latest news, leaks, and rumors from Google, Apple, Samsung, Nothing, OnePlus, and RedMagic... Fun!Episode Links- Support the podcast on Patreon: https://www.patreon.com/tnkgrl- Donate / buy me a coffee (PayPal): https://tnkgrl.com/tnkgrl/- Support the podcast with Mint Mobile (affiliate link): https://mintmobile.com/mobiletech- Myriam Joire (host): https://www.threads.com/@tnkgrl- Abrar Al-Heeti: https://www.threads.com/@abraralheeti- Google Pixel 9 Pro Fold vs. Oppo Find N5 camera comparison: https://www.cnet.com/tech/mobile/pixel-9-pro-fold-vs-oppo-find-n5-camera-comparison-which-takes-better-pictures/- Google Pixel 10 series might support PWM dimming: https://www.androidcentral.com/phones/google-pixel/potential-display-dimming-update-for-google-pixel-devices- Apple iPhone 17 rumors rundown: https://www.cnet.com/tech/mobile/iphone-17-all-the-rumors-from-a-slim-air-model-to-a-camera-redesign/- Samsung Galaxy XCover7 Pro and Tab Active 5 Pro: https://www.cnet.com/tech/mobile/samsungs-newest-phone-is-built-to-take-a-beating/- Samsung Galaxy S25 Edge camera specs leak: https://www.gsmarena.com/samsung_galaxy_s25_edges_main_and_ultrawide_cameras_revealed-news-67606.php- Samsung Galaxy S25 Edge launch timeline leak: https://www.gsmarena.com/samsung_galaxy_s25_edges_entire_launch_timeline_leaks_heres_what_to_expect-news-67526.php- Aurzen Zip projector: https://www.cnet.com/tech/mobile/i-fell-in-love-with-this-tiny-foldable-projector-and-you-can-finally-buy-it/- Nothing CMF Phone 2 Pro: https://www.gsmarena.com/cmf_phone_2_pro_announced_with_50mp_tele_and_8mp_uw_cameras_nfc_and_addon_lenses-news-67567.php- Nothing CMF Buds 2 series: https://www.gsmarena.com/cmf_buds_2_buds_2a_and_buds_2_plus_arrive_all_with_anc_and_ip_ratings-news-67570.php- OnePlus 13T/13s: https://www.gsmarena.com/oneplus_13t_debuts_with_63_oled_snapdragon_elite_and_6260mah_battery-news-67520.php- OnePlus Watch 3 price drop: https://www.gsmarena.com/oneplus_watch_3_goes_back_to_a_reasonable_price_in_the_us-news-67572.php- Vivo X200 Ultra: https://www.gsmarena.com/vivo_x200_ultra_x200s_official-news-67474.php- Vivo X200 Ultra hands-on: https://www.youtube.com/watch?v=7-DYUcDqKsk- Moto Edge 60 series: https://www.gsmarena.com/motorolas_edge_60_edge_60_pro_are_official_with_big_batteries_quadcurved_screens-news-67532.php- Nubia Z70S Ultra: https://www.gsmarena.com/nubia_z70s_ultra_unveiled_with_larger_1_13_sensor_and_6600mah_battery-news-67559.php- RedMagic 10 Air now global: https://www.gsmarena.com/nubia_redmagic_10_air_international_price_sale_date-news-67496.phpAffiliate Links (If you use these links to buy something, we might earn a commission)- BeyerDynamic DT770 Pro (250 Ohm): https://amzn.to/4jHXYkS- Rig M2 Pro HD mic: https://amzn.to/3SjjzUv- Nothing CMF Phone 2 Pro: https://amzn.to/4iN1BEL- Nothing CMF Buds 2 Plus: https://amzn.to/3YvChMf- 1More SonoFlow Pro HQ51 headphones: https://amzn.to/3GDQ5hG

This episode we recap the NFL draft, We revisit Zip's consignment cards that sold lower than expected & discuss undervalued cards and should we be buying the dip? SCL HC S6E30

This was a fun episode we did in 2019 with our good friends Bob & Zip from The No Redeeming Qualities Podcast

The Bearded Lady, Zip the Pinhead, Major Tom Thumb, The Elephant Man, The Hottentot Venus - we delve into one of the more controversial corners of popular entertainment: the world of Victorian freak shows — where the abnormal, the extraordinary, and the misunderstood were paraded as spectacle and sold as wonder.   But who were these so-called “freaks” - vulnerable human oddities driven to make a living the only way they could, cictims of exploitation, or pioneers of performance who found power in their difference? We're joined by Dr. John Jacob Woolf, historian and author of 'The Wonders: Lifting the Curtain on the Freak Show, Circus and Victorian Age', a book that offers a deeply researched, empathetic, and eye-opening look at the lives behind the wonderful posters, at the performers who captivated crowds and challenged Victorian notions of normality. We explore Freakery and ask who are the modern freaks? Who do we gawp, marvel and laugh at?   More on John and hs work     #counterculture #bureauoflostculture #lostculture #freaks #freakshow #victorian freakshow #davidlynch #elephantman #ptbarnum #josephmerrick

Send us a textGeorge Feltenstein of the Warner Archive and animation historian Jerry Beck introduce the Looney Tunes Collector's Vault, Volume 1, featuring 50 beautifully restored in High Definition classic cartoons across two discs. Hear directly from the two men who curated this collection about what makes this new Blu-ray series of cartoons for collectors the logical next step in their ongoing attempts to bring all of the Looney Tunes cartoons to HD.• Evolution from single-disc Collector's Choice to the two-disc Collector's Vault format, offering twice the content for just a few dollars more• Disc One features 24 cartoons never before included in a Warner Brothers cartoon collection in remastered form• Disc Two presents 25 classic character cartoons making their HD/Blu-ray debut• Stunning restoration quality, particularly visible in 1934's "Beauty and the Beast" in two-color Cinecolor• Chuck Jones' "Good Night Elmer" reveals beautiful lighting and color work previously impossible to appreciate• Complete alphabetical listing of all 50 cartoons spanning from 1934 to 1963• Announcement that Looney Tunes Platinum Collections 1 & 2 will be returning to print in June at reasonable prices• Confirmation that Collector's Vault Volume 2 is already in developmentPre-orders for Looney Tunes Collector's Vault, Volume 1 should be available at major online retailers very soon, with official release scheduled for June 17th.DISC ONE-25 all never before included remastered in any DVD or Blu-ray Looney Tunes collection:BARS AND STRIPES FOREVER (1939)BEAUTY AND THE BEAST (1934)A DAY AT THE ZOO (1939)THE DIXIE FRYER  (1960)DOUBLE OR MUTTON (was on LTCC V. 4)EACH DAWN I CROW (1949)EASY PECKIN'S (1953)FEATHER DUSTED (1955)FOX IN A FIX (1951)GOOD NIGHT ELMER (1940)THE GOOFY GOPHERS (1947)I'D LOVE TO TAKE ORDERS FROM YOU (1936)KIDDIES KITTY, A (1955)LET IT BE ME (1936)OF FOX AND HOUNDS (1940)QUACKODILE TEARS (1962)READY, WOOLEN AND ABLE (1960)ROBIN HOOD MAKES GOOD (1939)SQUAWKIN' HAWK, THE (1942)TERRIER-STRICKEN (1952)TWEET AND LOVELY (1959)TWEETY'S CIRCUS (1955)TWO'S A CROWD (1950)WILD ABOUT HURRY (1959)ZIP 'N SNORT (1961)DISC TWO-25 all never before included remastered in HD as part of any Blu-ray Looney Tunes collection:AIN'T SHE TWEET (1952)BANTY RAIDS (1963) BIRTH OF A NOTION  (1947)BYE BYE BLUEBEARD (1949)CAT-TAILS FOR TWO  (1953)DAFFY DILLY (1948)DAFFY DUCK AND EGGHEAD (1938)GEE WHIZ-Z-Z-Z-Z-Z-Z  (1956)GONZALES' TAMALES (1957)HARE CONDITIONED  (1945)HARE TRIGGER  (1945)HARE TRIMMED  (1953)HORTON HATCHES THE EGG (1942)LITTLE BOY BOO (1954)MUCH ADO ABOUT NUTTING (1953)ODOR-ABLE KITTY  (1945)PAST PERFUMANCE ( REVIEW - THE DAY THE EARTH BLEW UP: A LOONEY TUNES MOVIE with Tim Millard, host of The Extras Podcast.The Extras Facebook pageThe Extras Twitter Warner Archive & Warner Bros Catalog Group As an Amazon Affiliate, The Extras may receive a commission for purchases through our purchase links. There is no additional cost to you, and every little bit helps us in the production of the podcast. Thanks in advance. Otaku Media produces podcasts, behind-the-scenes extras, and media that connect creatives with their fans and businesses with their consumers. Contact us today to see how we can work together to achieve your goals. tim@theextras.tv

Brea and Mallory talk about what you can do to protect libraries! Plus, they discuss Bookshop ebooks and recommend books about being in love with your best friend. Email us at readingglassespodcast at gmail dot com!Reading Glasses MerchRecommendations StoreSponsors -Steamy in Seattle by Clarion WestLinks -Reading Glasses Facebook GroupReading Glasses Goodreads GroupAmazon Wish ListNewsletterLibro.fmTo join our Discord channel, email us proof of your Reading-Glasses-supporting Maximum Fun membership!www.maximumfun.org/joinMallory at the LA Times Festival of Books!https://www.imls.gov/Five CallsHi, my name is [NAME] and I'm a constituent from [CITY, ZIP]. I'm calling to urge [REP/SEN NAME] to work to protect federal funding for the Institute of Museum and Library Services. Libraries and museums are vital parts of our communities and provide so many essential services. Please show up for our libraries and urge the White House to hold back its attack on their funding. Thank you for your time and consideration.IF LEAVING VOICEMAIL: Please leave your full street address to ensure your call is talliedhttps://action.everylibrary.org/saveimls2025Books Mentioned -Sunrise on the Reaping by Suzanne CollinsThe Secret History of the Rape Kit by Pagan KennedyAll About Love by bell hooksThe Romantic Agenda by Claire Kann  

The history of the United States Postal Service as it plays out in the streets of New York City -- from the first post road to the first postage stamps. From the most beautiful post office in the country to the forgotten Gilded Age landmark that was once considered the ugliest post office.The postal service has always served as the country's circulatory system, linking the densest urban areas to the most rural outposts, a necessary link in moments when the country feels very far apart in other ways. The early American colonies knew this. Benjamin Franklin knew this The Founding Fathers who placed the postal service within the Constitution knew this.And inventions such as the stagecoach, the steamship, the railroad, the pneumatic tube and even the electric car have helped keep the mail steadily flowing over the centuries.New York has even played a pivotal role in the development of the American mail service, from the creation of the Boston Post Road (the first mail road which snaked through Manhattan and the Bronx) to the first mail boxes. Even the first postage stamps were sold in New York -- within former church-turned-post office in lower Manhattan.Why are there so many post offices from the 1930s? Why is New York's largest post office next to Penn Station? And why does New York City have so many individual ZIP codes? And who, pray tell, is Barnabas Bates?Visit our website for more information and imagesMore information here on the Bowery Boys: Gilded Age Weekend This episode was produced and edited by Kieran Gannon

Tracy Morgan threw up all over Madison Square Garden; WATP Karl joins us with Gene Simmons, Stuttering John's last show & Woke Dad, Mike Campbell dishing on Tom Petty, a gay guy brawl in Atlanta, Happy Gilmore 2, and Diddy calls Kanye. Stuttering John tried to get Anthony Cumia fired from his radio gig out of jealousy. A Michigan baseball player had to apologize for celebrating with a cocaine move. Kirk Gibson is aware of the infamous whiner ‘Gino X'. Drew and Zip reconnected together today following the death of Bob Rivers. The gays are fist-fighting in Atlanta. Heatbreakers guitarist Mike Campbell is spilling about Tom Petty in a new memoir. Heidi Montag is going on a 2 show tour that some people are calling a “gay grift”. Lollapalooza has announced their lineup. Drew has turned on Sabrina Carpenter. She's being a whoring sex working it up in France. Drew caught the Bob Dylan biopic A Complete Unknown. Happy Gilmore 2 is coming soon. Tracy Morgan had a BAD night at Madison Square Garden, but he seems to be doing better. Check out this puke pitch. The stranded astronauts are finally coming home. Donald Trump and Vladimir Putin are in negotiations. Trump also ended Secret Service for Joe Biden's kids once he found out Hunter went to South Africa. Don Lemon doesn't like Black MAGA folks. Karl Hamburger from WATP drops by to check out The Magnificent Others with Billy Corgan featuring Gene Simmons, rip apart Stuttering John Melendez's “final show”, take some shots at Gregg ‘Opie' Hughes, and catch us up on the latest with Woke Dad. Check out Karl's next event! Deshaun Watson's engagement ring is ridiculous. Kanye West and Diddy love chatting on the phone together. Cameron Brink is ‘icked out' by men that want to post her up on the court. GMA3 is in hot water. Kelly Clarkson is back, baby. Drew Barrymore, however, can't stop touching people. Wes Scantlin is in in legal trouble again. Drew Crime: Sudiksha Konanki's parents want her declared dead. An OnlyFans fetish page leads to killing. Marc is complaining about March Madness game times. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (The Drew Lane Show, Marc Fellhauer, Trudi Daniels, Jim Bentley and BranDon).

It's News Day Tuesday! Sam and Emma are joined by Austin Kocher, political and legal geographer studying immigration enforcement, and Assistant Research Professor at Syracuse University. First, Sam and Emma run through updates on Israel's  bombardment of Gaza – breaking another ceasefire and killing hundreds – Trump's back-and-forth with the judicial system, DOGE's assault on the US Government, Trump's union-busting pick for NLRB General Counsel, Trump's crackdown on pro-Palestinian speech, the FDA's move to delapidated office spaces, an abortion arrest out of Texas, and Trump's attack on the Social Security Administration, before expanding on Israel's violation of a ceasefire in Gaza with strikes killing over 300, and setting the stage for a potential return to ground invasion. Professor Austin Kocher then joins, diving right into the Trump Administration's recent deportation of hundreds of Venezuelans to El Salvadorian “gulags” under the guise of association with militant gang “Tren de Aragua,” exploring the unsurprising revelations about the *lack* of association between many of these migrants and the gang, and why authoritarian President of El Salvador Nayib Bukele was so happy to bring these migrants into his expansive prison labor system ($6 million will help). Next, Professor Kocher steps back to assess the insane legal “strategy” grounding Trump's agenda, with his blantant push for chaos allowing for his regime to carry out astonishingly inhumane actions amid countless injuctions and court orders, and why Judge Boasberg's push to get attourney's to sign onto their arguments might create some liability moving forward. After expanding on the regime's obvious misrepresentation of who they are deporting, Austin, Sam, and Emma walk through the various layers of protection offered to immigrants in the US right now, including preemptive legal action, and knowing your rights, before wrapping up the interview by assessing exactly how absurd Trump's claim of an “invasion” truly is. And in the Fun Half: Sam and Emma watch White House Spox. Karoline Leavitt attempt to claim verbal court orders don't count, reflect on Trump's growing friction with the courts, and unpack Steve Bannon's and Fox News' respective attempts to defend Trump's invocation of the Alien Enemies Act. Tim Walz and Chris Murphy begin to turn the tide of how Democrats are talking about the neoliberal era, Brady from Kentucky discusses a potential run for office, and a bunch of Big Tech fraudsters lie about the “failure” of Social Security, Phil from Delaware tackles SB-21, plus, your calls and IMs! Also joining the program is Austin Kocher; political and legal geographer studying immigration enforcement, Assistant Research Professor at Syracuse University. Read Austin here: https://austinkocher.substack.com/ Become a member at JoinTheMajorityReport.com: https://fans.fm/majority/join Follow us on TikTok here!: https://www.tiktok.com/@majorityreportfm Check us out on Twitch here!: https://www.twitch.tv/themajorityreport Find our Rumble stream here!: https://rumble.com/user/majorityreport Check out our alt YouTube channel here!: https://www.youtube.com/majorityreportlive Gift a Majority Report subscription here: https://fans.fm/majority/gift Subscribe to the ESVN YouTube channel here: https://www.youtube.com/esvnshow Subscribe to the AMQuickie newsletter here: https://am-quickie.ghost.io/ Join the Majority Report Discord! https://majoritydiscord.com/ Get all your MR merch at our store: https://shop.majorityreportradio.com/ Get the free Majority Report App!: https://majority.fm/app Go to https://JustCoffee.coop and use coupon code majority to get 10% off your purchase! Check out today's sponsors: Delete Me:  Take control of your data and keep your private life private by signing up for DeleteMe. Now at a special discount for our listeners.Today get 20% off your DeleteMe plan by texting MAJORITY to 64000. The only way to get 20% off is to text MAJORITY to 64000. Message and data rates may apply. Sunset Lake CBD:  Head over to https://SunsetLakeCBD.com and use coupon code VAPE30 to save 3% on Super Lemon Haze CBD Vape Carts and others.  Zippix Toothpicks: Make your lungs happy and try Zippix Nicotine Toothpicks. Ditch the cigarettes, ditch the vape and get some nicotine infused toothpicks at https://ZippixToothpicks.com today. Get 10% off your first order by using the code MAJORITY10 at checkout. Your lungs will be glad you did. MUST be 21 or older to order. Warning, nicotine is an addictive chemical. Zip more, smoke less; with Zippix Nicotine Toothpicks. Factor: Eat smart with Factor. Get started at https://FactorMeals.com/FACTORPODCAST and use code FACTORPODCAST to get 50% off your first box plus free shipping. That's code FACTORPODCAST at https://FactorMeals.com/FACTORPODCAST to get 50% off plus free shipping on your first box. Follow the Majority Report crew on Twitter: @SamSeder @EmmaVigeland @MattLech @BradKAlsop Check out Matt's show, Left Reckoning, on Youtube, and subscribe on Patreon! https://www.patreon.com/leftreckoning Check out Matt Binder's YouTube channel: https://www.youtube.com/mattbinder Subscribe to Brandon's show The Discourse on Patreon! https://www.patreon.com/ExpandTheDiscourse Check out Ava Raiza's music here! https://avaraiza.bandcamp.com/ The Majority Report with Sam Seder - https://majorityreportradio.com/