Podcasts about Zip

The Hobby Cop Podcast Live 9/9/2025 Who is America's new team, A new segment called POP it or CHOP it, Zip's big announcement SCL HC S7E14

Give us about fifteen minutes a day, and we will give you all the local news, sports, weather, and events you can handle. SPONSORS: Many thanks to our sponsors... Annapolis Subaru, the SPCA of Anne Arundel County, the Annapolis Sailand Power Boat Shows, Interim HealthCare of Annapolis, and Hospice of the Chesapeake, Today... Local elections are heating up with big stakes in Annapolis, Navy football powered through lightning delays to a decisive win, the wealthiest ZIP codes in Greater Baltimore show just where the money flows, and Main Street loses another retailer as FatFace closes shop. Those stories and more, coming up on today's DNB. DAILY NEWS EMAIL LINK: https://forms.aweber.com/form/87/493412887.htm Ann Covington from CovingtonAlsina is here with the Monday Money Report! The Eye On Annapolis Daily News Brief is produced every Monday through Friday at 6:00 am and available wherever you get your podcasts and also on our social media platforms--All Annapolis and Eye On Annapolis (FB) and @eyeonannapolis (X) NOTE: For hearing-impaired subscribers, a full transcript is available on Eye On Annapolis.

Health insurance in retirement does not have to be confusing. In this episode, Nick talks with Justine Bell of BeneGuides about marketplace coverage before 65, Medicare at 65, and how to compare real-world costs based on your doctors, prescriptions, and budget. We cover timing, penalties, and why an annual re-enrollment check can keep you from paying more than you need to. https://youtu.be/z-SnGX-qR88 What we cover Why working with a health insurance specialist costs you nothing and often saves time and trouble The five questions BeneGuides asks for marketplace plans: county and ZIP, ages, who is on the tax return, doctors and prescriptions, and expected MAGI How to think about “average year” costs vs “worst-case” out-of-pocket risk When bronze plans make sense and when to step up for drug coverage Medicare 101: Original Medicare, Medicare Advantage, and Medigap basics How to time your Medicare enrollment, including the first-of-the-month birthday quirk Why BeneGuides re-enrolls every client each year and stays on top of formularies and plan changes What may change in 2026 and why this open enrollment deserves a careful review Key open enrollment windows to mark on your calendar Dates to know Medicare plan review starts October 1 Medicare enrollment runs October 15 through December 7 Marketplace open enrollment runs November 1 through December 15 Contact BeneGuides Email: health@beneguides.com Phone: 517-939-1981 Team: Lauren and Kylie (Medicare), Liz and Andrea (Marketplace), Daniel (Group coverage) Resources mentioned Medicare 101 webinar from BeneGuides Listen to the full episode for the complete conversation and practical next steps. About Shotwell Rutter Baer At Shotwell Rutter Baer, we believe retirement planning should feel simple and personal. As independent, fee-only financial advisors, our priority is you. We are not paid by commissions or product sales. Instead, our advice is focused on helping you make clear decisions about your money, your retirement, and your future. We are proud to serve individuals and families who want practical guidance, a reliable strategy, and a trusted partner for every stage of life. Whether you are just beginning to think about retirement or you want to fine tune your income plan, we are here with straightforward advice and a plan that reflects your goals. Resources Email us at SRBadvisors.com to connect with our team. Learn about the Strategic Reliable Blueprint which is our process for building a financial plan that works for your future. Subscribe to our YouTube channel for helpful conversations and practical retirement planning tips.

Dean and Douglas breakdown the rental property investment landscape in every Memphis area ZIP code! 0:00 Introduction 02:36 Frayser 38127 06:43 Raleigh 38128 09:31 Bartlett 38133 12:03 Bartlett 38134 14:41 Bartlett 38135 16:22 Arlington 38002 19:31 Cordova 38016 22:25 Cordova 38018 24:56 Germantown 38138 27:52 Germantown 38139 29:44 Collierville 38017 31:54 SE Shelby Co. 38125 34:29 Hickory Hill 38141 36:21 Hickory Hill 38115 38:38 Ridgeway 38119 41:06 Oakhaven 38118 44:14 Whitehaven 38116 47:48 Westwood 38109 51:17 University 38111 54:03 Orange Mound 38114 56:37 East Memphis 38117 59:30 River Oaks 38120 01:01:50 Berclair 38122 01:04:18 North Memphis 38107 01:05:53 Jackson 38108 01:07:41 Rhodes College 38112 01:09:26 Midtown 38104 01:11:48 Greenlaw 38105 01:13:13 Downtown 38103 01:14:54 West Person 38106 01:16:45 South Memphis 38126 01:18:12 Millington 38053 01:20:41 Desoto County 01:25:04 OutroHave any questions? Shoot me an email: dean@crestcore.comBuild your custom buyer profile, free at Crestcore: https://linktr.ee/crestcoreDean Harris, VP of Sales at CrestCore RealtyDouglas Skipworth, Founder & Principal Broker at CrestCore RealtyPodcast production and design by Parasaur StudiosThis podcast is brought to you byGriffin, Clift, Everton & Maschmeyer PLLC. https://www.gcemlaw.com/contact-us/CoreLend Financial https://www.corelendfinancial.com/contact_us.htmlRiver City Title CompanyCrestCore Property Managment https://www.crestcore.com/Triumph Construction

The boys start with a really cool problem-solving involving a monopoly framing, big overhangs, and thermal bridging. And the follow-up is an excellent question from Western Canada regarding the use of ZIP sheathing with a Class I interior vapor retarder. It's a great discussion involving R-values, air barriers, vapor permeability (including all Classes of vapor retarders), wetting, and drying. Whew! Good thing that Steve had a "great" joke to close this one out...(gag). PETE'S RESOURCES:- GBA: "Calculating Thermal Bridging in a Wood-Framed Building:" - BuildingScienceAdvisor: - GBA "Can Polyethylene Be Used As An Air Barrier?"www.mbricotiledecks.com/

The ASX 200 has bounced back 88 points or 1% to 8827. Still down 72 points since the close on Tuesday. Financials stayed on top. ‘Big Three' plus MQG all up 2%. ANZ up 1.3%. ZIP up 3.6%. Gold the only sector in the red despite bullion maintaining its record high. Discretionary stocks no. 2. Most of the gain driven by WES up 2.5%. Has already recovered all its ex-dividend drop. DMP lost most of its morning gains. Tech no. 3. Not the huge bounce we were expecting following the Nasdaq's rise. XRO went from worst in the Top 50 to best. Up 4.8%. Good to see it, WES, CBA, MQG, NAB, WBC and PME along with HUB in the top gainers table. WTC lifeless and NXT finally gave it to a bout of profit taking.Defence stocks mixed as traders digest China's military show. EOS and ASB jumped while DRO and CDA only recorded small wins. Resources ended flat. Solid day from iron ore (back up to $105 in Singapore) and copper offset by gold. BHP only fell 31c vs its ~92c dividend. Lithium mixed. LTR, MIN and PLS all up over 1% while PMT and WC8 dropped. Excellent day for uranium. DYL up 6%, BOE up 5%, NXG up 4% and PDN up 2%. LOT closed at 18c (-20%) vs the 19c placement. Telecoms flat too. Health Care strong thanks to CSL and PME up 2.1% and 1.9%. 4DX the major mover. Up 13.4%. Backing up its huge 50% rise yesterday on US reimbursement certainty.Asian markets more converse since midday. Japan up 1%. China down 1.2%. No lead from US futures. Broadcom results early tomorrow morning.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.

We have Mike, the creator of Zip, joining The Order this episode to discuss 2003’s hottest superhero movie, Daredevil! For more info on how to get Zip, click HERE!

Dr. Deidre Anglin (City College, CUNY, New York) joins AJP Audio to discuss the disparate impact of schizophrenia spectrum disorder diagnosis on racial and ethnic minorities in the United States based on localized neighborhood data. Afterwards, AJP Editor-in-Chief Dr. Ned Kalin discusses the rest of the September issue of the Journal. 00:31   Anglin interview 04:40   Zip code sizes 05:18   The long legacy of redlining 07:17   Socially vulnerable neighborhoods 09:43   Structural racism, clinicians, and working with individuals 13:45   Limitations 15:56   Further research 18:08   Kalin interview 18:13   Anglin et al. 25:19   Vano et al. 29:40   Moussa-Tooks et al. 33:34   Zhang et al. Transcript Be sure to let your colleagues know about the podcast, and please rate and review it on Apple Podcasts, Google Podcasts, Spotify, or wherever you listen to it. Subscribe to the podcast here. Listen to other podcasts produced by the American Psychiatric Association. Browse articles online. How authors may submit their work. Follow the journals of APA Publishing on Twitter. E-mail us at ajp@psych.org

江戸時代最大の一揆がZIPエリアで行われました！！

Increasing Searches for ZIP Files Attackers are scanning our honeypots more and more for .zip files. They are looking for backups of credential files and the like left behind by careless administrators and developers. https://isc.sans.edu/diary/Increasing%20Searches%20for%20ZIP%20Files/32242 FreePBX Vulnerability An upatched vulnerability in FreePBX is currently being exploited. FreePBX offers mitigation advice and has also just released a beta patch. https://community.freepbx.org/t/security-advisory-please-lock-down-your-administrator-access/107203 Passwordstate Vulnerability Clickstudios patched an authentication bypass vulnerability in its password manager, Passwordstate. The vulnerability can be used to access the emergency password page. https://www.clickstudios.com.au/passwordstate-changelog.aspx

Buy Now, Pay Later (BNPL) has transformed how consumers approach purchasing, yet adoption in the US still trails markets like Australia and Europe. In this episode, we sit down with Joe Heck, US CEO of Zip, who brings somewhat of a contrarian perspective to the industry. Joe argues that BNPL isn't just another credit product, it's a financial tool designed for what he calls "underestimated Americans," the paycheck-to-paycheck consumers often underserved by traditional banks.With Zip achieving a 98% payback rate and growing over 40% year-over-year, Joe shares insights on why the credit system is too judgmental, how BNPL provides working capital flexibility, and his vision for autonomous finance powered by AI. Whether you're curious about the future of payments or want to understand how fintech is serving overlooked consumer segments, this conversation offers fresh insights into one of the fastest-growing areas of financial services.In this podcast you will learn:What attracted Joe to take the CEO role at Zip.Why BNPL has not taken off as fast in the U.S. as it has in Australia and Europe.How Zip's BNPL product works.What Zip's customers are spending their money on.What kind of checks they do for new customers.Joe's view on reporting BNPL transactions to credit bureaus.What is driving the growth at Zip over the last year.How Joe responds to media criticisms of BNPL and mounting consumer debt.How they help their customers smooth out their payments.How they partner with Stripe and what it means for Zip's growth.Where Zip is looking to expand.How Joe sees the the BNPL sector evolving and the role of AI.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

The ASX200 edged higher on Monday, briefly hitting its ninth record in 11 sessions before slipping back below 9,000. Resource stocks rose on stronger gold, oil and iron ore prices, while banks weighed. Southern Cross Media and Aussie Broadband jumped around 20% on upbeat results, while Ansell, Pilbara Minerals, PolyNovo and Zip also gained. In contrast, Reece had one of its worst days in decades, with EVT and Endeavour also sliding. Investors now turn to a packed week of earnings from Coles, Fortescue and more, alongside growing expectations of a September US rate cut. 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.

The ASX 200 jumped early, then fell back to close up only 5 points at 8972 as the great rotation continues. Unleash the resource bulls! Banks and industrials sold off as commodity stocks rallied hard.The Big Bank Basket fell to $283.70 (-1.5%) with insurers also under siege on rate-cut hopes, QBE down 2.1% and SUN off 2.9%. REITs picked up the slack, pushing ahead, GPT up 1.1% and CHC up 1.6%. Financials were also better, AMP up 1.4% and ZIP basking in a warm embrace from broker calls, rallying another 7.5%.Defensives in consumer land slid, WES down 2.6% with WOW off 1.5% and COL down 0.6%. CPU fell 5.2% on lower rates, and QAN came in for a landing, down 1.3%. Tech also came under a little pressure, XRO continues to slide lower after the U.S. acquisition and cap raise. Retail and travel stocks were slightly better on rate-cut news — TPW rallied 5.4%, and LOV was up 2.9%. GYG found some support, up 7.8%, and FLT rose 1.1%.In resources, the big iron ore miners had a strong day, BHP, RIO, and FMG all up around 2.6%. Lithium stocks were better — PLS results today were cheered, with the stock rising 2.4%. IGO up 3.7%, and LTR rallying 4.2%. Gold miners were firm, EVN up 3.5% and NST up 2.8%, with copper stocks also in demand, SFR up 5.3%. Uranium stocks are finding new friends, PDN up 5.3% and NXG rising 5.3%.In corporate news, REH got smashed 16.4% by the Victorian economy, ABB beat forecasts and is going “buddyless.” BEN delivered an FY loss but rallied 1.1%, with STO extending the ADNOC deadline by a month. NHF rose 2.7% on better-than-expected results. ANN bounced 10.3% on upgraded guidance, and SXL surged 26.5% after a good set of numbers.Nothing much on the economic front.Asian markets up again, Japan up 0.4%, HK up 1.8% and China up 1.1%European markets opening flat. US Dow futures down 28 Nasdaq down 9. UK markets closed for bank holiday.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.

Wall Street closed higher on Friday after Fed chair Jerome Powell signalled the U.S. central bank could be easing monetary policy as soon as next month, during his speech at the Jackson hole symposium for 2025. The Dow Jones rose to a record high at the closing bell on Friday with a gain of 1.9% while the Nasdaq and S&P500 gained 1.88% and 1.52% respectively on Friday. During Powell's speech he said “the baseline outlook and the shifting balance of risks may warrant adjusting our policy stance” which investors welcomed on Friday. In Europe on Friday, markets closed higher as investors digested the U.S. EU trade deal and hold higher hopes of a rate cut out of the U.S. in September. The STOXX 600 rose 0.5%, Germany's DAX gained 0.3%, the French CAC climbed 0.4% and, in the UK, the FTSE100 ended the day at another record high, up 0.13%.Across the Asia region on Friday markets closed mostly higher led by China's CSI index rallying over 2%, while Hong Kong's Hang Seng gained 0.32%, Japan's Nikkei closed flat as inflation in the region cooled to 3.1% in July, and South Korea's KOSPI index ended the day up 0.86%.Locally to end last week the ASX200 posted a 0.57% loss as healthcare and staples stocks weighed on the key index.On the reporting season calendar on Friday, it was a mixed session as investors reacted sharply to key results. Zip Co (ASX:Z1P) soared almost 20% after posting FY25 results whereby cash EBITDA soared 147% to $170.3m, operating margin rose to 15.8%, TTV increased 30.3% to $13.1bn and total income climbed 23.5% on FY24 to $1.081bn. Net bad debts also fell from 1.7% of TTV in FY24 to 1.5% of TTV in FY25 and active customers rose 4.6% to 6.3 million. Zip also excited the market announcing it is considering dual listing on the Nasdaq to support the company's significant US growth.Accent Group (ASX:AX1) on the other hand dived over 15% on Friday after the footwear and clothing retail parent company reported sales growth of just 1.5% in FY25 to $1.5bn and net profit tumbled amid widespread promotional activity required to reduce inventory levels.And Mexican fast food outlet Guzman y Gomez (ASX:GYG) tanked over 23% to a record low after FY25 results came in well below market expectations and investors grew increasingly concerned about the company's FY26 outlook. What to watch today:On the commodities front this morning oil is trading 0.4% higher at US$63.77/barrel, gold is up 0.95% at US$3371/ounce and iron ore is down 0.15% at US$101.42/tonne.The Aussie dollar has strengthened against the greenback to buy 64.95 U.S. cents, 95.38 Japanese yen, 48 British pence and 1 New Zealand dollar and 11 cents.Ahead of Monday's trading session here in Australia the SPI futures are anticipating the ASX will open the day up a sharp 0.94% Trading Ideas:Bell Potter has downgraded the rating on Monash IVF (ASX:MVF) from a buy to a hold and have reduced the 12-month price target on the company from $1.15 to 77cps following the release of the company's latest update including 2H25 revenue declining over 6% HoH and ARS down over 12%. Market stimulated cycles fell 0.7bp to 21% due to a reduction of cycles by over 5% which is significantly more than the only slight decline in industry growth.And Trading Central has identified a bearish signal on PWR Holdings (ASX:PWH) following the formation of a pattern over a period of 44-days which is roughly the same amount of time the share price may fall from the close of $$7.75 to the range of $5.80 to $6.30 according to standard principles of technical analysis.

The Aussie market eased on Friday, snapping its run of record highs as the ASX 200 slipped around half a percent to just under 9,000 points. Healthcare stocks weighed heavily, with CSL plunging after its restructure plans, while James Hardie also disappointed. On the flipside, Zip surged after strong US growth, while NRW and Helia posted gains. Ingham’s and Guzman y Gomez tumbled on results, and Regis Resources pulled back despite a strong year. Attention now shifts to Jerome Powell’s keynote at Jackson Hole and a busy week of earnings ahead, with results due from Coles, Woolworths, Qantas, Wesfarmers, and NVIDIA. 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.

The ASX 200 back below 9000 to 8967, down 52 points (0.6%) as results weighed after a long week. Banks remained firm with WBC up 0.7% and NAB slightly firmer, the Big Bank Basket drifting to $288.16 (-0.2%). Other financials also drifted lower, GQG fell 3.0% after early gains. Insurers firmed, ASX fell 2.1%, and ZIP soared 20.2% on better results. REITs were under pressure as GMG fell 4.8% on broker comments, SGP and CHC both better. Industrials slid, BXB saw some profit-taking, QAN dropped 2.1%, and ALL off 1.7%.Retail stocks also eased back, PMV down 4.0% and JBH falling 1.6%. GYG collapsed 18.2% after the results and a trading update. CTD in a trading halt awaiting some material news. Tech stocks eased back too, WTC down 1.8% and XRO continuing to fade. Down 0.6%. The All-Tech Index up 0.2%. WOW and COL under pressure. CSL resumed the downward momentum, off 4.2% as TLX trundled higher.In resources, BHP slightly lower, RIO fell 1.1%, and gold miners were mixed. WAF up 3.3% and VAU up again post results. Lithium stocks fell, PLS down 4.5% and MIN off 3.2%. Uranium stocks better, PDN up 4.3% and DYL rising 3.8%. Oil and gas firmed, coal stocks eased.In corporate news, ING dropped 20.3% as Woolies contract took its toll, HLS rallied 18.6% after results, AX1 dived 17.8% on disappointing sales growth, MVF fell 13.7% on disappointing profits and outlook.Nothing much on the economic front.Asian markets mixed again, Japan flat, China up 1.7% and HK up 0.5%European markets opening flat. US Dow futures down 18 Nasdaq down 32.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.

On this week's Keepin' It Real, Cam has a message for parents whose children are playing high school sports as his youngest children enter their final year of high school. Every high school sport is suffering from a shortage of officials and referees. Zip it, he says, please just zip it.  -----  The second contact on a volleyball can be a double contact so long as it's one attempt and doesn't go over the net. That's a new volleyball rule set to begin this season. For years parents in the stands would holler “double” whenever they saw what they thought was a double touch on the ball on the second attempt. Now that rule is gone. Unless you know volleyball, none of this may make any sense. This rule change is a big deal. This school year my favorite youngest son and daughter, our twins, begin what will likely be their final experience with organized sports. They're high schoolers. Last night my daughter's first volleyball match of the season was in Birmingham. My wife is her coach. Tonight, my son's football team plays their first game against their archrival. Both teams require a parent meeting before the season begins. It's usually held in the school gym or cafeteria and the coaches go over the season's logistics and such and make their requests of the parents. This may be unique to our school, but my hunch is that it's the same everywhere. At both this year's football and volleyball meetings, the coaches implored the parents to leave the referees and officials alone. Both coaches mentioned that there was a shortage of officials. The veteran officials were quitting, and too few new ones were signing up. The reason. One word: parents. In Texas, the association that manages volleyball officials said that if they feel their officials are treated poorly or threatened, which happens, they will not allow the officials to return to that school, effectively forcing the school to forfeit every home match since the home team is responsible for booking officials. And our football coach told the gathered parents that when the game is over no one is to speak to the officials. They are to be allowed to leave the field and go to their cars without a word from the fans. Violations of this may result in the offending parent not being allowed back into the stadium. And the problem is spiraling. Since the veteran officials are leaving, the few new ones are being accelerated through their training and are now officiating games at speeds and skill levels beyond their little experience. They're doing the best they can but likely making poor calls due to inexperience. The parents are losing their minds. And referees and officials are wondering if the little they earn filling this role for the kids and for the sake of the sport is worth it. It's hard to argue differently. All this is certainly a part of something larger in our nation today. And I don't have time right now to hypothesize on what that may be. Just know this: The second contact on a volleyball can be a double contact so long as it's one attempt and doesn't go over the net. It's a new rule. If you see it differently, zip it. The same goes for the holding call. And your fast-food order, that guy in traffic who cut you off, and the reservation agent on the phone. Just zip it. There are already too few people willing to do the job, whatever it is. I'm Cam Marston and I'm just trying to Keep It Real.

NFC West predictions. Japanese baseball. QBs named. Glad you're here.

US stocks slumped overnight with the S&P 500 posting its fifth straight losing day and as investors count down the hours to Jackson Hole. US Treasuries also weakened as traders trimmed their rate-cut bets. Elsewhere, Walmart tumbled on a rare profit miss, while oil gained 1% amid stalled Russia-Ukraine peace talks. Back home, Aussie shares are set to ease from record highs, with results due from Inghams, Zip, and Guzman y Gomez today. 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.

The ASX cracked the 9000 mark, up 101 points at 9019 (1.1%) as results buoyed sentiment. Some crackers today and, once again, plenty of volatility — even intraday.Banks provided the groundwork with CBA up 0.8% and ANZ again doing very well, up 1.5%, with the Big Bank Basket rising to $288.84 (1.0%). MQG had a good day, and financials generally did well. NWL was volatile post-results, down 0.6%, with GQG spurting 4.9% higher. ZIP also did well ahead of results tomorrow, up 2.6%.Insurers slipped a little, REITs firmed, SGP up 3.6% and SCG rising 1.3%. Industrials were firm too, TLS up 0.8% with WES running 2.5% higher. WOW and COL had good days as well, and BXB shot the lights out with results up 13.2%. CSL found bargain hunters up 2.4%. SHL smashed on results down 12.8%.Retailers continued to find favour, SUL hit record highs, up 12.3%. NCK gained 2.5%, and MYR rallied 4.0%. BRG also had a solid post-numbers bounce, up 4.9%.In resource land, BHP was again positive, up 0.7%, with RIO and FMG stronger too. Gold miners enjoyed a bullion rise, and results from NST, VAU, and GMD were somewhat mixed. Lithium stocks were back in favour, PLS up 5.2% with MIN higher 4.5%, and LYC also doing well, up 4.5%. JHX continued to be walloped, down 9.4%.Oil and gas names were stronger on crude rises, WDS up 1.3% with BPT up 1.2%. Coal stocks improved, and uranium was generally firm.In corporate news, some cracking results today: SUL, BGA, with IPH falling 19.5% as it warned on US patent impacts. GMG eased 1.4%, with results in line, while QUB fell 0.4% on a large write-down. MP1 fought back from an early drop to close only modestly lower. TLX jumped 7.0% after a wobbly start. Nothing much on the economic front.Asian markets mixed again, Japan down 0.6%, China up 0.5% and HK down 0.3%European markets opening flat. US Dow futures down 44 Nasdaq unchanged.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.

What should you get your best friend for their birthday? According to Jon: Nothing. Zip. Zilch. Nada. In today's episode, we're talking MONEY, HONEY and the expectations surrounding gift giving. Jon gets pretty heated in this one, so you may want to lower the volume on your speakers. If you take one thing from this episode, it's this: Do not buy Jon gifts. Ever. Alex will gladly accept though! 0:00 - Intro28:32 - How Do I Make More Money?31:21 - I'm Buying a House, Not Your Friendship33:46 - Do I Need to Bring a Birthday Gift?40:28 - My Groomsman Ditched My Wedding 43:28 - My Mom Runs My Finances 47:26 - My Presence Is The Wedding Present58: 23 - My Husband Has Major Debt01:01:33 - I Want Access to My Husband's Bank Account Cozy Earth: Head to cozyearth.com and use my code STRAIGHT for 40% off! And if you get a Post-Purchase Survey, make sure to let them know you heard about Cozy Earth right here!Visit our website ⁠www.giveittomestraightpodcast.com⁠Visit our other website ⁠www.alexjon.com⁠Find us on Instagram!⁠Podcast⁠⁠Alex⁠⁠JonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Rujul Zaparde is the co-founder and CEO of Zip, the $2.2 billion AI platform for procurement trusted by OpenAI, Anthropic, Snowflake, and hundreds of leading enterprises. He previously co-founded FlightCar, which raised over $40 million and was acquired by Mercedes-Benz. A former Airbnb product manager and Y Combinator visiting partner, Rujul has built Zip into the category-defining leader in procurement orchestration.In this episode of World of DaaS, Rujul and Auren discuss:Why everyone hates procurement departmentsBuilding 50+ AI agents for enterprise workflowsThe future of autonomous business processesYC's evolution and startup quality over timeLooking for more tech, data and venture capital intel? Head to http://worldofdaas.com/ for our podcast, newsletter and events, and follow us on X at @worldofdaasYou can find Auren Hoffman on X at @auren and Rujul Zaparde on Linkedin at @rujulzEditing and post-production work for this episode was provided by The Podcast Consultant https://thepodcastconsultant.com

In today's Macro Insights Podcast, Ken Raiss and I examine who really pays tax in Australia, and the results may surprise you.   We also share what the average wage and superannuation balance in Australia is, and I bet these figures will surprise you.   We also discuss the latest statement from APRA about its 3% mortgage assessment buffer we will tell you what time of the week you're most likely to get scammed?   As somebody interested in growing your wealth or property, there will be lots in the show for you.     Takeaways  ·        Australian Taxation Office's 2022–23 tax‑return snapshot (approximately 16.1 million lodgements) to paint a portrait of the “average 100 Australian. ·        Out of those 100 Australians, 21 pay no income tax at all. None. Zip. ·        Meanwhile, just 3 individuals contribute nearly 30% of all net income tax. Add in the next 6, and you're up to nearly 50%. And the next 30 take it to almost 90%. ·        So 39 Australians (out of 100) are footing almost the entire tax bill. ·        The average super balance is around $173,000; the median is just $60,000. What does that tell us?All eight capital cities recorded house price growth in the June quarter. ·        Westpac reveals the time of day you're most likely to be scammed is Tuesday afternoon   Chapters  00:00 Understanding Australia's Tax Landscape 04:15 The Role of High Income Earners in Taxation 06:37 Income Disparities and Superannuation Challenges 09:24 The Impact of APRA's Mortgage Serviceability Buffer 12:00 Scams and Consumer Awareness 14:35 Infrastructure Needs for Population Growth   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of Michael Yardney's Guide to Investing Successfully ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   The FirstLinks article mentioned in the show https://www.firstlinks.com.au/100-aussies-seven-charts-on-who-earns-pays-and-owns   Michael Yardney Get the team at Metropole Wealth Advisory create a Strategic Wealth plan for your needs Click here and have a chat with us    Ken Raiss, Director of Metropole Wealth Advisory   Get a bundle of eBooks and Reports at www.PodcastBonus.com.au   Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

This is a free preview of a paid episode. To hear more, visit smokeempodcast.substack.comNancy and Sarah talk about the latest in the “WTF is wrong with men?” media series, this time in The Cut/NY Mag. They also discuss the strange case of the Canadian hockey team recently found not guilty in a high-profile sex assault case. They intended to talk about the new Marc Maron HBO special, but that'll have to wait till next time.Also discussed:* Mexican barber shop!* That time Walter Kirn dressed down Nancy on-air* Sarah's cat is spoiled, go figure* Nancy throws down a moral dilemma: Nazis or Hamas?* “Emotional erection”* Slinky! Slinky! Boing-boing.* But who takes the hell-child to the doctor?* Are same-sex couples happier?* “Pies Against Patriarchy”* The “evidence-based case” for lesbianism* Hetero-antagonism: We've gone too far.* WE LOVE MEN.* “And another thing about dinosaurs …”* Don't let your dumb things define you* Open invitation to the family Pesca* Football is Sarah's ZIP code* Vagina dentataPlus, Sarah's falling for Bill Buckley, Nancy's theory on why men fall asleep after sex, remembering when New York Magazine was “a well-rounded meal,” and much more!

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Riley's reluctant first night sleeping under the stars takes an unexpected turn when Zip Zip, a lost sky-sailor in a tiny moonbeam boat, crashes nearby. Zip is completely lost and searching for the Big Dipper. Together, they learn that sometimes the best way to find your way home isn't to rush, but to slow down and really look. ✔️ Perfect for ages 4+ ✔️ Themes: Overcoming fears, Friendship, Problem-solving, Patience, Mindfulness, Helping others, Perspective-taking, Curiosity Sleep Tight!, Sheryl & Clark ❤️

Connected TV (CTV) advertising isn't just for big brands anymore—it's an emerging frontier for nonprofits to tell their stories on the biggest screen in the house.  Kris Johns, CEO and founder of AdGood, shared how his organization is unlocking unused, high-quality streaming ad space for nonprofits—at up to 70% off market rates.AdGood works directly with major publishers and platforms to collect unfilled “ad slates” (those silent filler moments you see while streaming) and make them available exclusively to nonprofits. “We sit at the bottom of the ad stack,” Kris explains, “so anything they don't fill, we get access to.” This programmatic approach allows nonprofits to run CTV campaigns with the same flexibility and robust reporting as they would on Meta or Google—except now, they're on television.CTV offers a unique blend: the emotional impact of a full-screen, in-home experience with the precise targeting of digital marketing. Nonprofits can target down to a single ZIP code, choose dayparts, and even adjust campaigns mid-flight for maximum return. It's an opportunity to put your mission front and center while supporters are engaged with content they love.For organizations without in-house production capabilities, AdGood has built a self-serve AI-powered ad generator. In just minutes, nonprofits can create a 30-second, TV-ready spot by entering their website URL, swapping images or scripts, and even translating into 30+ languages. Ads can be hyper-local (with a budget starting at just $250) or scaled nationally with managed services.Kris emphasizes that this isn't just about filling empty ad space—it's about empowering nonprofits with tools and access they've historically been priced out of. AdGood is also piloting full attribution reporting to track which viewers saw an ad, visited a nonprofit's site, and ultimately donated.From small-town initiatives to nationwide campaigns, the flexibility and affordability of CTV through AdGood could change how nonprofits think about media. As Kris puts it, “Our goal is to turn marketing from a cost center to a profit center for nonprofits.”Find us Live daily on YouTube!Find us Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits! 12:30pm ET 11:30am CT 10:30am MT 9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

My guest Diane's husband was so withdrawn that for two years, there was no physical intimacy. None. Zip. Nada. He'd moved to the basement and stayed there, leaving her feeling rejected, invisible, and wondering if this was just how things would be forever. But when she became intentional about practicing the six Intimacy SkillsTM—especially one she never saw coming—things shifted in ways that still make her do the happy dance. Now the passion is back, and it's better than ever. Like, way better. She's gonna tell us exactly what she did (including the shift she made that had him wrapping her up with a kiss) so you can do it too. Spoiler: It has nothing to do with lingerie and everything to do with becoming the woman you were meant to be. Download the FREE Adored Wife Roadmap now and start transforming your relationship today! Click here: https://lauradoyle.co/4lSa4ch

Zip your hair on, it's Marc Maron. The dark side of luxury problems, exciting medical stories, and the gift of yet another microphone. Get duct taped into position, it's an all-new SmartLess. Subscribe to SiriusXM Podcasts+ to listen to new episodes of SmartLess ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus.

On July 8th, in what can only be described as an act of reckless clarity, we published a white paper (grab it here—>) Unified Behavioral Model™ — Read more… listen now.Subscribe now“Science may be described as the art of systematic oversimplification.” ― Karl PopperWhat makes UBM so unique—so different from prevalent behavioral models?First, let's clear up a common misconception:UBM—specifically the Behavior Echo-System (BES)—is a model of behavior, not a model of a person.People often see the graphic and assume it represents themselves, or a diagram of the human body. It doesn't.As Dr. Popper's statement above suggests, UBM simply articulates how behavior is influenced in the moment and shaped over time—within the system.Now, here's the B.I.G. claim:UBM is falsifiable.In science, that's the gold standard.(Period.)If a theory can't be tested or broken, it's just storytelling. Worse yet, Karl Popper would say it's non-science.What's his core claim? Science and non-science are divided by a single demarcation: Falsifiability.UBM asks—check that, insists—“Go for it… Please try to break me.”Apparently, no other behavior model—certainly not a unified one—has ever done that.Kind of interesting? Maybe just a bit?Worth mentioning, at least?Or dedicating, I don't know… twenty-plus years to uncovering?UBM/BES Comparison Table & Major Prevalent Models as provided by DeepSeek.According to Dr. Karl Popper—and as noted in the Stanford Encyclopedia of Philosophy, “Karl Popper is generally regarded as one of the greatest philosophers of science of the twentieth century”—if a theory can't be tested (or broken), it's just storytelling. Worse, he'd call it “non-science.”Just to be clear: that's Dr. Popper, philosopher and trained psychologist, who introduced the idea of falsifiability (and gave us that delightful bit with the Black Swan).So yeah—if you can't at least attempt to break it, he says, it doesn't count.UBM is so confident in its falsifiability that it's offering a $1,000 reward to the first person to prove there's a missing fifth element—one that isn't reducible or emergent. (See below and bottom for official entry details.)So far: nearly 500 downloads and…Nada. Zip. Zilch. NOTHING.Even the world's top AIs—ChatGPT, Gemini, Claude, Grok, DeepSeek—took their shots.They've all struck out. Attempts include: Time (environmental), Consciousness (emergent from the system), Willpower (embodied environment), Self-Organization (embodied environment—note the “self” in self-organization).The list goes on, and it's kind of funny. Google's Gemini, for example, offered a “someday” quantum property we don't even know of yet.Seriously.Just to be clear: if we don't know of it yet, and we can't test it—it's not a valid fifth element.DeepSeek's parting words? Also comical...“UBM 1. DS 0... Game respects game.”And, here's Gemini's best response after half dozen attempts…Gemini tries desperately to break the Unified Behavior Model and fails.The difficulty in falsification, as intended by the model's design, is a powerful indicator of its conceptual strength and it's potential to serve as a TRULY UNIFYING FRAMEWORK FOR BEHAVIORAL SCIENCE. ~Gemini 8/4/2025Some have argued, “Well, UBM is overly simplified.”Really?Then why hasn't anyone discovered it before—or more accurately, uncovered it and brought it to light?Surely, by now—150 years in—some behavioral scientist, somewhere in the world, would've presented this kind of systematic “oversimplification,” right?Let's go over that one more time:“Science may be described as the art of systematic oversimplification.” ― Karl PopperThis is precisely Dr. Popper's point: science progresses by oversimplifying—systematically.Voila: UBM.

Episode 132: In this episode of Critical Thinking - Bug Bounty Podcast, Justin Gardner is joined by Mathias Karlsson to discuss vulnerabilities associated with archives. They talk about his new tool, Archive Alchemist, and explore topics like the significance of Unicode paths, symlinks, and TAR before they end up talking about Charsets again..Follow us on twitter at: https://x.com/ctbbpodcastGot any ideas and suggestions? Feel free to send us any feedback here: info@criticalthinkingpodcast.ioShoutout to YTCracker for the awesome intro music!====== Links ======Follow your hosts Rhynorater and Rez0 on Twitter: ====== Ways to Support CTBBPodcast ======Hop on the CTBB Discord!You can also find some hacker swag at https://ctbb.show/merch!Today's Sponsor: ThreatLocker - Patch ManagementToday's Guest: Mathias Karlsson====== This Week in Bug Bounty ======Swiss Post's 2025 Public Intrusion Test starts on July 28Intigriti teams with NVIDIABugcrowd Ingenuity AwardsHack the Hacker Series - AI Vulnerabilities and Bug BountiesA Novel Technique for SQL Injection in PDO's Prepared StatementsHow We Accidentally Discovered a Remote Code Execution Vulnerability in ETQ Reliance====== Resources ======Archive AlchemistHacking Livestream #53: The ZIP file format====== Timestamps ======(00:00:00) Introduction(00:10:04) Archive Alchemist(00:36:05) Unicode Extensions, normalization, and confusion attacks on Zip parsers(00:48:44) Character Sets(01:01:49) 7zip & File Names (01:06:44) Path Traversal, Symlinks & Identifying Techniques(01:36:05) Hardlinks and TAR

What happens when superheroes aren't perfect? In this deep-dive interview, The Chairman of the United States Department of Nerds sits down with Mike Scrase, writer of Zip—a British indie comic published by Markosia Enterprises that redefines what it means to be superhuman.Together, we explore:

M365 Copilot Chat will use new file types like MP4s, CAD, and ZIP, to ground its responses. We wonder how it will find discussions in videos without first creating a transcript for every video.  Teams meetings will show a new join experience that helps you manage when you have accepted or responded tentatively to multiple meetings.  And Copilot will make a little more available to unlicensed M365 Copilot users, so they can get a taste of the value — depending on capacity consumed by licensed customers.  What else will Daniel and Darrell discuss?  - Microsoft 365 Copilot | Chat now supports new file types in search grounding  - Microsoft Teams: Meeting Join Bar  - Updates to custom scripting in sites and Classic Publishing site creation  - Microsoft OneDrive for Business | Updated order of Shortcut and Sync commands  - Standard and Priority access to Copilot capabilities  - Microsoft Copilot in Teams: Visual Insight for intelligent recap        Join Daniel Glenn and Darrell as a Service Webster as they cover the latest messages in the Microsoft 365 Message Center.   Check out Darrell & Daniel's own YouTube channels at:  Darrell - https://youtube.com/modernworkmentor  Daniel - https://youtube.com/DanielGlenn   

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 WHEW!  Guys, I had the BEST conversation with Avellina Balestri--nearly FOUR hours of chatting. And somehow I cut it down to less than an hour (okay, we didn't record the first hour). But... WHOA. This woman's historical knowledge is phenomenal. Listen in to see why I can't WAIT to read this book! note: links may be affiliate links that provide me with a small commission at no extra expense to you.  Seriously, there is WAY too much for me to try to put into shown notes.  Zip me a message or an email if you want the whole conversation 95% uncut (over two hours) uploaded to YouTube.  I could make that happen. Gone for a Soldier by Avellina Balestri If you don a scarlet coat at the price of your conscience, the color will only remind you of the wound in your own soul! If you sign away the faith of your fathers, all lesser goods will be forfeited too!” ~ Young Edmund Southworth could not have foreseen the path his life would take upon befriending Gentleman Johnny Burgoyne, British military veteran and parliamentarian. As Catholic recusants from the north of England, Edmund's once noble family has struggled to survive for centuries in the shadow of the Anglican ascendancy. But General Burgoyne offers him the chance to put past humiliations behind him by joining the Church of England and donning a scarlet coat as an officer of King George III. Although his conscience is uneasy, Edmund embarks upon Burgoyne's March to subdue the American revolutionaries by splitting the colonies in two. He finds unexpected love in the arms of Abby Vanderkamp, a supporter of American independence, who will do anything to free her father from a British prison hulk or, failing that, strike a blow for the hard-pressed rebel cause. As the British advance through the New York wilderness devolves into increasing brutality and instability, Edmund will have his already divided loyalties tested to the breaking point under the influence of this hostile land, which presents him with new challenges and opportunities alike. Learn more about Avellina on her WEBSITE and follow her on GoodReads. Don't miss the literary magazine she edits as well! Like to listen on the go? You can find Because Fiction Podcast at: Apple Castbox Google Play Libsyn RSS Spotify Amazon and more!

Sam Anthony joins us for a great chat about the state of the news and how YourNews is poised to scale up massively for local and global news stories and much more.   We chat about searching for your local news by zip code and how this is a great opportunity for many independent unemployed journalists, especially with the death of mainstream media. We are the media now. We also chat about NGO's, Canadian news, headline manufacturing, radio going out of business, the platform and providing the opportunity, info aggregation, and equity crowd funding.   In the second half we talk about X, cross pollination, the changing landscape, free speech, woke infiltration, and then we switch gears to talk about the whole Epstein thing and Trump, the grand jury theory, buying votes, the collapse of 2007, the Fed, Atlas Shrugged and much more.   Sam Anthony is the founder and CEO of YourNews.com, a rapidly growing, censorship-resistant citizen journalism platform. With over two decades of experience in online media, Sam has been instrumental in designing and implementing technology that empowers thousands of journalists to transition into the digital realm. YourNews.com operates in every U.S. ZIP code, offering hyper-local news and reviving the grassroots journalism approach of the pre-1990s era. The platform allows citizen journalists to report authentic, community-driven stories, providing a stark contrast to centralized corporate media.   To gain access to the second half of show and our Plus feed for audio and podcast please clink the link http://www.grimericaoutlawed.ca/support.   For second half of video (when applicable and audio) go to our Substack and Subscribe. https://grimericaoutlawed.substack.com/ or to our Locals  https://grimericaoutlawed.locals.com/ or Rokfin www.Rokfin.com/Grimerica Patreon https://www.patreon.com/grimericaoutlawed   Support the show directly: https://grimericacbd.com/ CBD / THC Tinctures and Gummies https://grimerica.ca/support-2/ Eh-List Podcast and site: https://eh-list.ca/ Eh-List YouTube: https://www.youtube.com/@TheEh-List Our Adultbrain Audiobook Podcast and Website: www.adultbrain.ca Our Audiobook Youtube Channel:  https://www.youtube.com/@adultbrainaudiobookpublishing/videos Darren's book www.acanadianshame.ca Check out our next trip/conference/meetup - Contact at the Cabin www.contactatthecabin.com Other affiliated shows: www.grimerica.ca The OG Grimerica Show www.Rokfin.com/Grimerica Our channel on free speech Rokfin Join the chat / hangout with a bunch of fellow Grimericans  Https://t.me.grimerica https://www.guilded.gg/chat/b7af7266-771d-427f-978c-872a7962a6c2?messageId=c1e1c7cd-c6e9-4eaf-abc9-e6ec0be89ff3   Leave a review on iTunes and/or Stitcher: https://itunes.apple.com/ca/podcast/grimerica-outlawed http://www.stitcher.com/podcast/grimerica-outlawed Sign up for our newsletter http://www.grimerica.ca/news SPAM Graham = and send him your synchronicities, feedback, strange experiences and psychedelic trip reports!! graham@grimerica.com InstaGRAM https://www.instagram.com/the_grimerica_show_podcast/  Purchase swag, with partial proceeds donated to the show www.grimerica.ca/swag Send us a postcard or letter http://www.grimerica.ca/contact/ ART - Napolean Duheme's site http://www.lostbreadcomic.com/  MUSIC Tru Northperception, Felix's Site sirfelix.bandcamp.com 

Are patients from lower-income households more likely to present with severe diabetic retinopathy (DR)? Ben Young, MD, moderates a discussion with Phoebe Mellen, MD, and Jordan Deaner, MD, about a new retrospective cohort study from the Duke Eye Center than examines differences in DR severity at presentation between patients from the lowest- and highest-income ZIP codes, explores how income-based barriers to care may impact disease progression, and discusses how this data might affect clinical care, screening strategies, and public health priorities.

Trump has revitalized military recruitment and turned the armed forced from “fat” to “fit,” reshaped America's foreign alliances, and delivered bold results that no one expected—and many actively warned against. Victor Davis Hanson breaks down why, in the face of naysayers and “experts” claiming it couldn't be done, this even more of a momentous feat on today's episode of “Victor Davis Hanson: In His Own Words.” “ The economy did not crash or crater. Wall Street is at all-time high. Stock prices, job growth unexpectedly—that's a word have to use because the Left always says it's going to get very angry. The angry Left. And they're very angry and they say, ‘It's not going to work.' And then they have to say, ‘Well, it worked.'” “ The idea that all of their Ph.D.s, all the letters after their names, all of their ZIP codes, all of their prestige meant nothing. That here we have a billionaire builder from New York, with a Queens accent, who's transactional. And he was able to create a revolutionary change in culture, in social life, in economics, on foreign policy, on border security. And we can see the fruits of that in just three weeks, contrary to what everybody told us. It's startling. It's embarrassing for them.” 00:00 Trump's Recent Achievements 00:14 Military and Recruitment Successes 01:42 Economic Triumphs Under Trump 02:18 Cultural and Social Shifts 03:11 Defying the Experts 04:28 Trump's Unprecedented Success 05:58 Conclusion

State Representative Trisha Byrnes joins the show to lay out the harsh reality behind Missouri's long battle to get federal compensation for radiation-linked cancers from Coldwater Creek and Weldon Spring. Byrnes, who personally knows the pain as a mother of a cancer survivor, details how officials ignored cancer clusters for years and how the recently passed RECA fund barely scratches the surface—covering only certain ZIP codes and 21 cancers. She warns survivors and families that compensation is capped and legal options are limited. Byrnes announces a regional town hall on August 9 to help people understand eligibility and paperwork. This is about holding the government accountable for poisoning communities and finally getting some justice.

In this WGAN-TV Podcast, guest host Tom Sparks, Founder and CEO of Scan Your Space (a Division of Sparks Media Group), field-tests the Giraffe360 GO Camera in a real-world warehouse environment — walking through the scanning process, testing still photos, and reviewing the final deliverables. Tom captures multiple scan points inside a large warehouse on Mare Island, California, using the Giraffe360 GO Camera. Scans take around 58 seconds each, and the camera's SLAM-like behavior allows it to record measurement data while being carried — enabling floor plan generation with minimal scan points. Tom uploads the project to the cloud later that day and receives the completed 3D tour, floor plan, and still photo by the following morning. --- The Giraffe360 GO Camera is designed for real estate agents who want an easy-to-use, all-in-one camera for creating professional-looking property tours without needing extra devices. In contrast, the Giraffe PRO Camera is built with the advanced features and control that real estate photographers expect — making it ideal for high-volume professionals seeking refined results and maximum image quality. --- Tom's final verdict? The Giraffe360 GO delivers a fast, user-friendly workflow without needing a tablet or phone. He finds the 12MP still photo useable, the ANSI 765–compliant floor plan impressive, and the 3D tour polished. However, he suggests slower transitions and Ken Burns-style effects in the auto-generated video for better viewer experience. WGAN Special Offer: ========================================================================== Two Giraffe360 Special Offers for WGAN Community Special Offer 1 - Giraffe360 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) Special Offer 2 - Giraffe360 Go Camera (for real estate agents (or [real estate photographers that want to get started immediately and then switch to the Giraffe360 Pro Camera when it is ready to ship) -- Free Blue Sky Replacement for HDR Photos | Voucher Code: WGAN -- Build Your Plan: www.Giraffe360.com | Voucher Code: WGAN

WhoRon Schmalzle, President, Co-Owner, and General Manager of Ski Big Bear operator Recreation Management Corp; and Lori Phillips, General Manager of Ski Big Bear at Masthope Mountain, PennsylvaniaRecorded onApril 22, 2025About Ski Big BearClick here for a mountain stats overviewOwned by: Property owners of Masthope Mountain Community; operated by Recreation Management CorporationLocated in: Lackawaxen, PennsylvaniaYear founded: 1976 as “Masthope Mountain”; changed name to “Ski Big Bear” in 1993Pass affiliations:* Indy Pass – 2 days, select blackouts* Indy+ Pass – 2 days, no blackoutsClosest neighboring ski areas: Villa Roma (:44), Holiday Mountain (:52), Shawnee Mountain (1:04)Base elevation: 550 feetSummit elevation: 1,200 feetVertical drop: 650 feetSkiable acres: 26Average annual snowfall: 50 inchesTrail count: 18 (1 expert, 5 advanced, 6 intermediate, 6 beginner)Lift count: 7 (4 doubles, 3 carpets – view Lift Blog's inventory of Ski Big Bear's lift fleet)Why I interviewed themThis isn't really why I interviewed them, but have you ever noticed how the internet ruined everything? Sure, it made our lives easier, but it made our world worse. Yes I can now pay my credit card bill four seconds before it's due and reconnect with my best friend Bill who moved away after fourth grade. But it also turns out that Bill believes seahorses are a hoax and that Jesus spoke English because the internet socializes bad ideas in a way that the 45 people who Bill knew in 1986 would have shut down by saying “Bill you're an idiot.”Bill, fortunately, is not real. Nor, as far as I'm aware, is a seahorse hoax narrative (though I'd like to start one). But here's something that is real: When Schmalzle renamed Masthope Mountain to “Ski Big Bear” in 1993, in honor of the region's endemic black bears, he had little reason to believe anyone, anywhere, would ever confuse his 550-vertical-foot Pennsylvania ski area with Big Bear Mountain, California, a 39-hour, 2,697-mile drive west.Well, no one used the internet in 1993 except weird proto-gamers and genius movie programmers like the fat evil dude in Jurassic Park. Honestly I didn't even think the “Information Superhighway” was real until I figured email out sometime in 1996. Like time travel or a human changing into a cat, I thought the internet was some Hollywood gimmick, imagined because wouldn't it be cool if we could?Well, we can. The internet is real, and it follows us around like oxygen, the invisible scaffolding of existence. And it tricks us into being dumb by making us feel smart. So much information, so immediately and insistently, that we lack a motive to fact check. Thus, a skier in Lackawaxen, Pennsylvania (let's call him “Bill 2”), can Google “Big Bear season pass” and end up with an Ikon Pass, believing this is his season pass not just to the bump five miles up the road, but a mid-winter vacation passport to Sugarbush, Copper Mountain, and Snowbird.Well Bill 2 I'm sorry but you are as dumb as my imaginary friend Bill 1 from elementary school. Because your Ikon Pass will not work at Ski Big Bear, Pennsylvania. And I'm sorry Bill 3 who lives in Riverside, California, but your Ski Big Bear, Pennsylvania season pass will not work at Big Bear Mountain Resort in California.At this point, you're probably wondering if I have nothing better to do but sit around inventing problems to grumble about. But Phillips tells me that product mix-ups with Big Bear, California happen all the time. I had a similar conversation a few months ago with the owners of Magic Mountain, Idaho, who frequently sell tubing tickets to folks headed to Magic Mountain, Vermont, which has no tubing. Upon discovering this, typically at the hour assigned on their vouchers, these would-be customers call Idaho for a refund, which the owners grant. But since Magic Mountain, Idaho can only sell a limited number of tickets for each tubing timeslot, this internet misfire, impossible in 1993, means the mountain may have forfeited revenue from a different customer who understands how ZIP codes work.Sixty-seven years after the Giants baseball franchise moved from Manhattan to San Francisco, NFL commentators still frequently refer to the “New York football Giants,” a semantic relic of what must have been a confusing three-decade cohabitation of two sports teams using the same name in the same city. Because no one could possibly confuse a West Coast baseball team with an East Coast football team, right?But the internet put everything with a similar name right next to each other. I frequently field media requests for a fellow names Stuart Winchester, who, like me, lives in New York City and, unlike me, is some sort of founder tech genius. When I reached out to Mr. Winchester to ask where I could forward such requests, he informed me that he had recently disappointed someone asking for ski recommendations at a party. So the internet made us all dumb? Is that my point? No. Though it's kind of hilarious that advanced technology has enabled new kinds of human error like mixing up ski areas that are thousands of miles apart, this forced contrast of two entities that have nothing in common other than their name and their reason for existence asks us to consider how such timeline cohabitation is possible. Isn't the existence of Alterra-owned, Ikon Pass staple Big Bear, with its hundreds of thousands of annual skier visits and high-speed lifts, at odds with the notion of hokey, low-speed, independent, Boondocks-situated Ski Big Bear simultaneously offering a simpler version of the same thing on the opposite side of the continent? Isn't this like a brontosaurus and a wooly mammoth appearing on the same timeline? Doesn't technology move ever upward, pinching out the obsolete as it goes? Isn't Ski Big Bear the skiing equivalent of a tube TV or a rotary phone or skin-tight hip-high basketball shorts or, hell, beartrap ski bindings? Things no one uses anymore because we invented better versions of them?Well, it's not so simple. Let's jump out of normal podcast-article sequence here and move the “why now” section up, so we can expand upon the “why” of our Ski Big Bear interview.Why now was a good time for this interviewEvery ski region offers some version of Ski Big Bear, of a Little Engine That Keeps Coulding, unapologetically existent even as it's out-gunned, out-lifted, out-marketed, out-mega-passed, and out-locationed: Plattekill in the Catskills, Black Mountain in New Hampshire's White Mountains, Middlebury Snowbowl in Vermont's Greens, Ski Cooper in Colorado's I-70 paper shredder, Nordic Valley in the Wasatch, Tahoe Donner on the North Shore, Grand Geneva in Milwaukee's skiing asteroid belt.When interviewing small ski area operators who thrive in the midst of such conditions, I'll often ask some version of this question: why, and how, do you still exist? Because frankly, from the point of view of evolutionary biologist studying your ecosystem, you should have been eaten by a tiger sometime around 1985.And that is almost what happened to Ski Big Bear AKA Masthope Mountain, and what happened to most of the dozens of ski areas that once dotted northeast Pennsylvania. You can spend days doomsday touring lost ski area shipwrecks across the Poconos and adjacent ranges. A very partial list: Alpine Mountain, Split Rock, Tanglwood, Kahkout, Mount Tone, Mount Airy, Fernwood - all time-capsuled in various states of decay. Alpine, slopes mowed, side-by-side quad chairs climbing 550 vertical feet, base lodge sealed, shrink-wrapped like a winter-stowed boat, looks like a buy-and-revive would-be ski area savior's dream (the entrance off PA 147 is fence-sealed, but you can enter through the housing development at the summit). Kahkout's paint-flecked double chair, dormant since 2008, still rollercoasters through forest and field on a surprisingly long line. Nothing remains at Tanglwood but concrete tower pads.Why did they all die? Why didn't Ski Big Bear? Seven other public, chairlift-served ski areas survive in the region: Big Boulder, Blue Mountain, Camelback, Elk, Jack Frost, Montage, and Shawnee. Of these eight, Ski Big Bear has the smallest skiable footprint, the lowest-capacity lift fleet, and the third-shortest vertical drop. It is the only northeast Pennsylvania ski area that still relies entirely on double chairs, off kilter in a region spinning six high-speed lifts and 10 fixed quads. Ski Big Bear sits the farthest of these eight from an interstate, lodged at the top of a steep and confusing access road nearly two dozen backwoods miles off I-84. Unlike Jack Frost and Big Boulder, Ski Big Bear has not leaned into terrain parks or been handed an Epic Pass assist to vacuum in the youth and the masses.So that's the somewhat rude premise of this interview: um, why are you still here? Yes, the gigantic attached housing development helps, but Phillips distills Ski Big Bear's resilience into what is probably one of the 10 best operator quotes in the 209 episodes of this podcast. “Treat everyone as if they just paid a million dollars to do what you're going to share with them,” she says.Skiing, like nature, can accommodate considerable complexity. If the tigers kill everything, eventually they'll run out of food and die. Nature also needs large numbers of less interesting and less charismatic animals, lots of buffalo and wapiti and wild boar and porcupines, most of which the tiger will never eat. Vail Mountain and Big Sky also need lots of Ski Big Bears and Mt. Peters and Perfect Norths and Lee Canyons. We all understand this. But saying “we need buffalo so don't die” is harder than being the buffalo that doesn't get eaten. “Just be nice” probably won't work in the jungle, but so far, it seems to be working on the eastern edge of PA.What we talked aboutUtah!; creating a West-ready skier assembly line in northeast PA; how – and why – Ski Big Bear has added “two or three weeks” to its ski season over the decades; missing Christmas; why the snowmaking window is creeping earlier into the calendar; “there has never been a year … where we haven't improved our snowmaking”; why the owners still groom all season long; will the computerized machine era compromise the DIY spirit of independent ski areas buying used equipment; why it's unlikely Ski Big Bear would ever install a high-speed lift; why Ski Big Bear's snowmaking fleet mixes so many makes and models of machines; “treat everyone as if they just paid a million dollars to do what you're going to share with them”; why RFID; why skiers who know and could move to Utah don't; the founding of Ski Big Bear; how the ski area is able to offer free skiing to all homeowners and extended family members; why Ski Big Bear is the only housing development-specific ski area in Pennsylvania that's open to the public; surviving in a tough and crowded ski area neighborhood; the impact of short-term rentals; the future of Ski Big Bear management, what could be changing, and when; changing the name from Masthope Mountain and how the advent of the internet complicated that decision; why Ski Big Bear built maybe the last double-double chairlift in America, rather than a fixed-grip quad; thoughts on the Grizzly and Little Bear lifts; Indy Pass; and an affordable season pass.What I got wrongOn U.S. migration into cities: For decades, America's youth have flowed from rural areas into cities, and I assumed, when I asked Schmalzle why he'd stayed in rural PA, that this was still the case. Turns out that migration has flipped since Covid, with the majority of growth in the 25-to-44 age bracket changing from 90 percent large metros in the 2010s to two-thirds smaller cities and rural areas in this decade, according to a Cooper Center report.Why you should ski Ski Big BearOK, I spent several paragraphs above outlining what Ski Big Bear doesn't have, which makes it sound as though the bump succeeds in spite of itself. But here's what the hill does have: a skis-bigger-than-it-is network of narrow, gentle, wood-canyoned trails; one of the best snowmaking systems anywhere; lots of conveyors right at the top; a cheapo season pass; and an extremely nice and modern lodge (a bit of an accident, after a 2005 fire torched the original).A ski area's FAQ page can tell you a lot about the sort of clientele they're built to attract. The first two questions on Ski Big Bear's are “Do I need to purchase a lift ticket?” and “Do I need rental equipment?” These are not questions you will find on the website for, say, Snowbird.So mostly I'm going to tell you to ski here if you have kids to ski with, or a friend who wants to learn. Ski Big Bear will also be fine if you have an Indy Pass and can ski midweek and don't care about glades or steeps, or you're like me and you just enjoy novelty and exploration. On the weekends, well, this is still PA, and PA skiing is demented. The state is skiing's version of Hanoi, Vietnam, which has declined to add traffic-management devices of any kind even as cheap motorbikes have nearly broken the formerly sleepy pedestrian city's spine:Hanoi, Vietnam, January 2016. Video by Stuart Winchester. There are no stop signs or traffic signals, for vehicles or pedestrians, at this (or most), four-way intersections in old-town Hanoi.Compare that to Camelback:Camelback, Pennsylvania, January 2024. Video by Stuart Winchester.Same thing, right? So it may seem weird for me to say you should consider taking your kids to Ski Big Bear. But just about every ski area within a two-hour drive of New York City resembles some version of this during peak hours. Ski Big Bear, however, is a gentler beast than its competitors. Fewer steeps, fewer weird intersections, fewer places to meet your fellow skiers via high-speed collision. No reason to release the little chipmunks into the Pamplona chutes of Hunter or Blue, steep and peopled and wild. Just take them to this nice little ski area where families can #FamOut. Podcast NotesOn smaller Utah ski areasStep off the Utah mainline, and you'll find most of the pow with fewer of the peak Wasatch crowds:I've featured both Sundance and Beaver Mountain on the podcast:On Plattekill and Berkshire EastBoth Plattekill, New York and Berkshire East, Massachusetts punched their way into the modern era by repurposing other ski areas' junkyard discards. The owners of both have each been on the pod a couple of times to tell their stories:On small Michigan ski areas closingI didn't ski for the first time until I was 14, but I grew up within an hour of three different ski areas, each of which had one chairlift and several surface lifts. Two of these ski areas are now permanently closed. My first day ever was at Mott Mountain in Farwell, Michigan, which closed around 2000:Day two was later that winter at what was then called “Bintz Apple Mountain” in Freeland, which hasn't spun lifts in about a decade:Snow Snake, in Harrison, managed to survive:The Storm Skiing Journal and Podcast is a sustainable small business directly because of my paid subscribers. To upgrade, please click through below. Thank you for your support of independent ski journalism. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

http://www.CoffeeWithRhadi.com - Are you stuck loving someone you can't fully walk away from?Maybe you share kids, a job, family, or a life that's hard to untangle. Maybe you've outgrown the cycle but you can't change your ZIP code — yet.In this raw, unfiltered talk, I'll break down how to take your power back when your heart wants to stay but your soul says ‘GO.'✅ How to separate contact from connection✅ How to starve the fantasy so you don't chase ghosts✅ How to guard your energy — even if you see them daily✅ The creed to tattoo on your spirit so you never beg for scraps againYou can't always move away. But you can ALWAYS move on.Hit play. Get real. Reclaim your freedom.

Kim Thone Visentine, co-founder of the Coldwater Creek Group, joins the show to discuss a hard-won victory after 15 years pushing for recognition and compensation for those exposed to radioactive waste in the St. Louis region. Thanks to the recent expansion of the Radiation Exposure Compensation Act (RECA) included in the “big beautiful bill,” residents from 20 affected ZIP codes—including Coldwater Creek, Weldon Springs, and Westlake—are now eligible for financial compensation and medical bill coverage related to radiation-linked cancers. Kim shares her personal connection, revealing her son's rare radiation-related brain tumor, and highlights the challenges survivors and families faced fighting for decades against denial and indifference from agencies and lawmakers. She urges affected residents to gather proof of residence and diagnosis and prepare to apply once the government's application portal goes live. While this is a major milestone, Kim stresses there's more work ahead to cover autoimmune diseases and other conditions linked to radiation exposure, with ongoing efforts to secure further support at the local and federal levels.

The third hour of the Marc Cox Morning Show opens with traffic woes caused by a wrong-way driver before diving into a major breakthrough on the Radiation Exposure Compensation Act (RECA) for Coldwater Creek victims. Kim Thone Visentine, co-founder of the Coldwater Creek Group, shares the long fight to secure compensation for those exposed to radioactive waste in St. Louis, highlighting the newly expanded RECA coverage for 20 affected ZIP codes and urging residents to prepare their documentation. The show then tackles the baffling missing jail footage in the Jeffrey Epstein case and Pam Bondi's evasive responses, fueling demands for transparency. Genevieve Wood of the Heritage Foundation weighs in on the National Education Association's break from the Anti-Defamation League amid rising anti-Semitism in schools, while warning conservatives against Elon Musk's potential third-party bid as a vote-splitter. The hour closes with “Kim on a Whim,” discussing the IRS's new allowance for churches to endorse political candidates without risking tax-exempt status, spotlighting the cultural and political impact of this shift.

What does it really mean to bring precision medicine to every patient, in every community?In this inspiring, one-hour episode of the Precision Medicine Podcast, host Karan Cushman sits down with Dr. Arif Kamal, Chief Patient Officer at the American Cancer Society (ACS), for a wide-ranging conversation that reframes how we think about progress in cancer care. With a background in oncology, palliative care and health system innovation—and a personal story shaped by his mother's metastatic breast cancer diagnosis—Dr. Kamal offers a deeply human perspective on what it means to deliver not just the right treatment, but the right experience for every patient.Dr. Kamal shares how the ACS is working to make precision medicine more equitable by addressing barriers like geography, affordability, clinician burnout, and fragmented care. He explains the importance of “precision compassion”—the idea that personalized care must also include empathy, listening, and action tailored to the needs of each individual. “We can't talk about innovation,” he says, “without talking about accessibility.”From the importance of whole-person care and mobile health units in rural communities, to expanding insurance coverage for biomarker testing and building trust with patients and caregivers, this conversation is full of insight into what it will truly take to change the odds for people facing cancer.You'll also hear about the ACS's bold initiatives:The Change the Odds campaign, tackling ZIP code-driven disparities in careACS CAN's legislative efforts to expand access to biomarker testingHow the ACS's roundtables and grassroots partnerships support health systems, clinicians, and researchers nationwideDr. Kamal challenges us to think beyond science alone and focus on what really matters to patients—whether that's more time, better quality of life or simply the ability to hold a grandchild on the beach.Don't miss this conversation about how we turn precision medicine from a possibility into a promise—one rooted in empathy, equity and action.Subscribe here to catch every episode in the series "Bringing Precision Medicine to Everyone." Next, we explore the evolving world of liquid biopsy and its role in expanding access to early cancer detection and precision treatment.

Sudo chroot Elevation of Privilege The sudo chroot option can be leveraged by any local user to elevate privileges to root, even if no sudo rules are defined for that user. https://www.stratascale.com/vulnerability-alert-CVE-2025-32463-sudo-chroot Polymorphic ZIP Files A zip file with a corrupt End of Central Directory Record may extract different data depending on the tool used to extract the files. https://hackarcana.com/article/yet-another-zip-trick Cisco Unified Communications Manager Static SSH Credentials Vulnerability A vulnerability in Cisco Unified Communications Manager (Unified CM) and Cisco Unified Communications Manager Session Management Edition (Unified CM SME) could allow an unauthenticated, remote attacker to log in to an affected device using the root account, which has default, static credentials that cannot be changed or deleted. https://sec.cloudapps.cisco.com/security/center/content/CiscoSecurityAdvisory/cisco-sa-cucm-ssh-m4UBdpE7

"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

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

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