Podcasts about Accumulator

Tom Carnduff, Joe Townsend and Jimmy 'The Punt' Cantrill pick out their outright EFL Play-Off Final winners and chuck them into a tasty acca.18+ | Please Gamble Responsibly | BeGambleAware.org 

Friday, April 18: 3pm football kick-offs ⚽️

Send us a textIn this episode of Embrace Midlife, I'm thrilled to bring you part two of my insightful conversation with the wonderful Denise Duffield Thomas. This episode is truly special as we delve into Denise's fascinating money archetypes theory, which can be a game-changer in understanding our financial habits and mindset. I've always aimed to support midlife women through the ups and downs that come with this stage of life, and Denise's insights are incredibly powerful in this mission.We kick off with an honest admission about a little mishap: I didn't record our initial interview, but thanks to Denise's backup, we're able to share this valuable conversation with you. Denise explains the different money archetypes, such as the Accumulator, Alchemist, Celebrity, Connector, Maverick, Nurturer, Romantic, and Ruler. She breaks down their strengths and weaknesses, illustrating how knowing your archetype can help you make better financial decisions and live a more fulfilling life.During our chat, Denise uses real-life examples to show how these archetypes play out. We talk about everything from handling money more sensibly (even if it might mean facing analysis paralysis) to embracing one's creativity and the challenges each archetype might face. Whether you're someone who saves every penny or you find yourself constantly getting stuck in the ideation phase, Denise offers practical advice on channeling these tendencies into strengths rather than setbacks.Denise also discusses her personal journey and how she integrates her top archetypes into her daily life. We explore essential topics like setting personal boundaries, finding balance, and understanding our intrinsic motivations versus societal expectations. I find Denise's perspective particularly enlightening, especially how she uses her archetypes to manage her business and personal life effectively.Towards the end of this episode, we talk about the importance of accepting and loving all parts of ourselves. Denise shares a moving story about accessing her nurturing side during a video shoot, which brought her to tears. It's a beautiful reminder of how powerful it can be to embrace every facet of our identity.

Friday, April 18: 3pm football kick-offs ️The football comes thick and fast, with TWO EFL matchdays across the Easter weekend, with plenty of movement expected in the title/promotion/survival races across the Championship, League One and League Two.Tom Carnduff, James ‘Jimmy The Punt' Cantrill and Jake Osgathorpe scan through the Good Friday card to deliver an intriguing-looking fourfold, available at 11/1.The team also discuss the Champions League with Aston Villa going close against PSG on Tuesday, along with Birmingham's near miss at Wembley and THAT Tom Wagner team talk alongside NFL legend Tom Brady.18+ | Please Gamble Responsibly | BeGambleAware.org

Saturday, April 12: 3pm football kick-offs.️As the season hots up and teams scramble to secure titles/promotion/survival, Tom Carnduff, James ‘Jimmy The Punt' Cantrill and Jake Osgathorpe scan through the Saturday card to deliver an intriguing-looking treble from across the EFL, available at 20/1.They also discuss Aston Villa's Champions League exploits in midweek, Southampton and Leicester's unwanted Premier League record and Chris Wilder labelling Sheffield United fans a 'disgrace'18+ | Please Gamble Responsibly | BeGambleAware.org

Saturday, March 29th: 3pm football kick-offs ⚽️

Saturday, March 29th: 3pm football kick-offs ⚽️

Saturday, March 22nd: 3pm football kick-offs ⚽️

Saturday, March 15th: 3pm football kick-offs ⚽️

Saturday, March 8th: 3pm football kick-offs.Tom, Joe and Jake put together a four-fold including picks from the Premier League, Championship, League One and League Two.18+ | Please Gamble Responsibly | BeGambleAware.org 

Saturday, March 1st: 3pm football kick-offs,Tom, Joe and Jimmy put together a three-fold including pick from the FA Cup and EFL.18+ | Please Gamble Responsibly | BeGambleAware.org 

Saturday, February 22nd: 3pm football kick-offs,Tom, Jake and Jimmy put together a tantilising 22/1 five-fold!18+ | Please Gamble Responsibly | BeGambleAware.org 

Saturday, February 15th: 3pm football kick-offs ⚽️

Saturday, February 8th: 3pm football kick-offs ⚽️

Saturday, February 1st: 3pm football kick-offs ⚽️

Saturday, January 25th: 3pm football kick-offs ⚽️

In this episode, Kris Krohn connects with Thomas, a high-performing entrepreneur with a paid-off beach house and an impressive portfolio—but his money isn't working hard enough for him. Together, they explore strategies to turn his $4 million in equity into a wealth-generating machine through real estate, private equity, and business investments. Discover how bold moves, smart risks, and financial performance can help anyone create generational wealth.

Saturday, January 11th: 3pm football kick-offs ⚽️

If you have zero clue what co-pay maximizers and/or co-pay accumulators are and the financial incentives involved for PBMs (pharmacy benefit managers) and plan sponsors here, after you're done listening to this episode, go back and listen to the show with Joey Dizenhouse (EP423). Also, the episode called “Game Theory Gone Wild” with Dea Belazi, PharmD, MPH (EP293). Both these shows could fill in some blanks. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Here's the micro mini of the co-pay maximizer/accumulator deal. These are vehicles that are designed by vendors who are also sometimes called maximizers or sometimes they're also PBMs. But these programs are designed to get as much money out of Pharma as possible in the form of co-pay support. So, here's how the maximizers are supposed to maximize plan sponsors getting pharma money. Say, for some drug, the pharma company has, I don't know, $12,000 max in co-pay support available to patients in total per year. Pharma does always cap the dollars that are available for patients. So, in this hypothetical, $12k a year is available. What a forthright or well-run maximizer will do is figure out, you know, if there's $12k max available, then they'll set a co-pay—so there's variable co-pays for patients—so they'll set a patient co-pay of, like, $1000 a month, which adds up to $12k over 12 months of the year. Get it? Every single month, the patient has a $0 co-pay, but the plan maximizes the dollars that the plan gets. Or, you know, maybe they'll charge $1,025 a month so the patient has some small “skin in the game,” and the plan sponsor just banked $12k. Sounds great, right? Well, sure, when it works as promised … and we'll get to this in a moment. Accumulators, on the other hand, have no such “Hey, let's make sure the patient actually gets their meds” guardrails. They hear that the Pharma is offering $12k, and the accumulator vendor and their plan sponsor clients also are like, “Cool, let's get that money as fast as possible.” So, they make the co-pay for that drug, I don't know, like hypothetically $3000. Great, now the patient runs out of that co-pay money in May. And don't forget and/or let me inform you, for both maximizers and accumulators, dollars paid by the Pharma generally don't count to the plan deductible for the patient. So now, the patient walks into the pharmacy, if in an accumulator or in a poorly run maximizer program, they walk into the pharmacy in May and are told that if they want their drug, they're gonna need to pay the $3000 co-pay that was set out of pocket every month until they reach their deductible. With some of these co-pay maximizer/accumulator plans, the plan sponsor may be a little bit out of the loop relative to what is actually going on here. The plan sponsor may think that members are doing fine—you know, they're getting their drug every month—so they may be surprised to learn about this running out of money in May issue. And what is true more often than it's not true, this $3000 or whatever—hundreds or thousands of dollars—payment due co-pay, the patient learns about it at the pharmacy counter or while trying to get chemo. It comes as a complete surprise, the fact that they owe three grand or whatever. What patient just shrugs and pays up in that moment because they happen to have their entire deductible or thousands of dollars lying around and at the ready? What a shock to find this out at the pharmacy counter or at the infusion clinic. Some of these maximizer programs are also starting to veer back into accumulator zones, like they're doing things such as saying that the member must pay their out-of-pocket max or their deductible or 30% of the cost of the drug, right, like some number before the plan will allow the patient to use the co-pay reimbursement program to begin with. So, there's other things that are emerging right now, which, again, cause the patient to have a very, very large out of pocket in order for them to get a drug which they have been prescribed and—ostensibly, at least—need. Allegedly, and sometimes for sure, dollars raked in from Pharma make it across the PBM/maximizer, vendor, middleman trench all the way over to the plan sponsor. For sure, especially for the administrative only maximizer vendors … yeah, you're gonna have the dollars actually making it to the plan sponsor. But sometimes the vendor running these programs is paid spread, right? So, the more expensive the drug and the richer the co-pay card program, the more the vendor will make because they take a percentage of savings. So, the more expensive, the more savings, therefore, the more the vendor is gonna make. In these cases where the vendor is paid a spread, can I take Perverse Incentives for $600, Alex? Right? But in sum, again, there's a lot to this conversation with Bill Sarraille, so please do listen to the whole thing. Bill offers five main pieces of advice, so I'm just gonna cover them right here up front—spoiler alert, I guess, but just to keep them all in one place. 1. Look into what is going on with a maximizer and/or accumulator program. First of all, is the plan sponsor paying spread? And also, how are these programs being marketed to members and how aggressively? Because there are a lot of plan sponsors having way more negative impact than they suspect they are. So, that's point of advice #1: Really look into actually what is happening on the grounds with some of these programs. 2. Eliminate surprise. Any plan sponsor listening, and Brian Reid also says this very crisply in an episode a month or so ago (EP456). If a plan sponsor wants to do stuff like this—like force a patient to pay hundreds or thousands of dollars out of pocket—if at any point during the year they are gonna wind up with thousands of dollars in co-pay or coinsurance to get their Crohn's disease med or cancer med or whatever, be really up front about this at least. It's really important if we really want to make sure that patients are taking maintenance meds and getting the medications that they're prepared for the reality that, at a certain point during the year, they are going to have a really big bill. 3. There is legal risk here. So also, Bill's advice is check into whether accumulators and/or maximizers are unlawful under the ACA (Affordable Care Act) and/or by deceptive practices rules when maximizers or accumulators are teed up as a benefit. And it, again (reference point of advice #2), it's not explained that dollars they get from Pharma will be taken by the plan and not applied to the patient deductible. I was just reading about the crazy aggressive marketing tactics that some of these vendors are using to get members to sign up and … yeah, definitely look into deceptive practice rules. 4. If it's utilization management that we're trying to achieve here, then your utilization manager should be utilization managing. These maximizers are not meant to impact utilization management. Patients really cannot differentiate, as per study after study, it's very difficult for patients to differentiate high-value from low-value care or meds. So, pretty much the impact of having a patient with thousands or hundreds of dollars of out-of-pocket spend to get a med isn't going to be to ensure that the right people are taking the right med. Point is, use the right tool for the right job. So, if we're trying to keep patients away from low-value meds, the tool for that is utilization management. Also be aware, if the PBM says it cannot do utilization management or you'll lose your rebates and/or is pushing into a maximizer accumulator program to do this instead, that's kind of a clue that they cannot do it because they are taking money from Pharma to not have any restrictions on a drug. Read the article in the New York Times (you're welcome) about how PBMs took secret payments for the free flow of opioids, and Chris Crawford also talks about this sort of same-ish thing in an upcoming show relative to GLP-1s. But if you're trying to do utilization management, then do utilization management. 5. Use our understanding of this whole goings-on as a rationale or a way to tamp down perverse incentives. We want to wind up with patients getting charged a percentage of net prices, not a percentage of some wildly inflated list price with this whole accumulator maximizer contributing to, you know, just more wildly inflated list prices so the co-pay programs can be bigger and someone can make even more money off of the percentage of savings. And plan sponsors addicted to rebates now have another bucket of cash. Like, this is just another example of how perverse incentives pervade the system. And we should certainly be aware of that. Bill Sarraille was a healthcare attorney for many years. He retired from his law firm on the first of last year, and now he's doing the things he wanted to do before but couldn't because his billable rate was too high. Bill is teaching at the University of Maryland Law School and doing some regulatory consulting, etc. He's working with a variety of patient groups. Also mentioned in this episode are University of Maryland Francis King Carey School of Law; Joey Dizenhouse; Dea Belazi, PharmD, MPH; Brian Reid; Chris Crawford; Marilyn Bartlett; Scott Haas; Paul Holmes; and Tom Nash. You can learn more at University of Maryland Francis King Carey School of Law and by following Bill on LinkedIn. You can also sign up for his Substack.   Bill Sarraille is a professor of practice at the University of Maryland Francis King Carey School of Law, a regulatory consultant, and a retired senior member of the Healthcare Practice group at Sidley Austin LLP. Bill is a nationally recognized expert in healthcare, life sciences, drugs, medical devices, and patient access to treatments. He is widely known for his expertise in a broad array of healthcare matters, including rare disease treatment access barriers, pharmaceutical pricing, Anti-Kickback Law compliance, the 340B program, and managed care and PBM issues. During his years practicing law, Bill was recognized repeatedly by The Best Lawyers in America in both healthcare law and administrative law. He was also consistently listed as a leader in the field of healthcare law in Chambers USA: America's Leading Lawyers for Business. Bill also serves as the general counsel of the charity the Pharmaceutical Coalition for Patient Access, as an advisor to multiple patient advocacy groups on patient access issues, a compliance advisor to a coinsurance patient assistance foundation, and as the director of a rare disease society and Kalderos, Inc., a health IT firm with a focus on effectuating pharmaceutical discounts and rebates.   09:31 What should plan sponsors be aware of right now? 14:01 What is the justification for maximizers, and why is this at odds with the purpose of insurance? 18:05 Where does the issue of “fairness” land within cost containment? 20:00 Brian Reid's LinkedIn post on insurance company access challenges. 21:30 What are the real legal issues presented by some of these co-pay maximizers and co-pay accumulator programs? 27:06 How are these programs creating perverse incentives? 29:28 EP450 with Marilyn Bartlett, CPA, CGMA, CMA, CFM. 32:16 “If you're covered by the ACA, I think this is unlawful.” 32:57 What advice does Bill have in regard to these programs? 33:49 What potential litigations does Bill see coming in the near future in regard to these co-pay maximizers and co-pay accumulator programs? 38:38 EP365 with Scott Haas. 38:45 EP397 with Paul Holmes.   You can learn more at University of Maryland Francis King Carey School of Law and by following Bill on LinkedIn. You can also sign up for his Substack.   @HCLAWComment discusses #costcontainment on our #healthcarepodcast. #healthcare #podcast #pharma #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Stacey Richter (INBW41), Andreas Mang (Encore! EP419), Dr Komal Bajaj, Cynthia Fisher, Stacey Richter (INBW40), Mark Cuban and Ferrin Williams (Encore! EP418), Rob Andrews (Encore! EP415), Brian Reid, Dr Beau Raymond, Brendan Keeler  

Saturday, January 4th: 3pm football kick-offs.Jimmy joins Tom to put together a huge 28/1 acca with three AWAY picks...what could go wrong?! 18+ | Please Gamble Responsibly | BeGambleAware.org 

Wednesday, January 1st: 3pm football kick-offs ⚽️

Thursday December 29th: 3pm football kick-offs ⚽️

Thursday December 26th: 3pm football kick-offsTom is joined by Joe for this Christmas quickie as the duo chase that illusive winner with a 14/1 four-fold.18+ | Please Gamble Responsibly | BeGambleAware.org 

Saturday, December 14th: 3pm football kick-offs ⚽️

Despite a recent losing streak and some harsh criticism from viewers Tom, Jimmy and Jake build a four-team accumulator with long odds! Can they finally break their losing streak?Listen here or watch over on our YouTube channel.18+ | Please Gamble Responsibly | BeGambleAware.org 

TOM IS BACK and he's joined by Joe and Jimmy to find something for the weekend and with only 10 league games kicking-off at 3pm the lads turn to the FA Cup...can the historic competition provide the illusive third Acca win of the season? Listen here or watch over on our YouTube channel.18+ | Please Gamble Responsibly | BeGambleAware.org 

Get ready for a rollercoaster of emotions as the lads return to navigate a full weekend slate. Joe, Jimmy, and EFL expert Gab Sutton opt for a four fold in this episode...but is there a last minute change a foot? Listen here or watch over on our YouTube channel.18+ | Please Gamble Responsibly | BeGambleAware.org 

It's ANOTHER international break and Jake O returns to join Joe and Jimmy to pick at the bones of the remaining fixtures this coming weekend...with selections from across the EFL and Scotland...is that illusive win around the corner?Listen here or watch over on our YouTube channel.18+ | Please Gamble Responsibly | BeGambleAware.org 

Joe and Jimmy return to join Tom on the panel can they get the acca back to winning ways? Can they make accas great again?!Listen here or watch over on our YouTube channel.18+ | Please Gamble Responsibly | BeGambleAware.org 

Saturday, October 26: 3pm football kick-offs ⚽️

In today's episode I talk to Sarah Brill an independent financial coach and money mindset mentor. We chat about all things money mindset, her incredible journey to becoming a digital nomad, and how travel shapes your relationship with money. Sarah opens up about the pivotal moments that led her into financial coaching and introduces the idea of sacred money archetypes, which help you understand your unique relationship with money.  We dive deep into these different archetypes, including Mavericks, Alchemists, Nurturers, Accumulators, Rulers, Romantics, and Connectors—each with their own strengths, challenges, and ways of approaching money. Understanding these archetypes is key to developing a healthier money mindset, finding financial freedom, and growing your business with confidence.  I also share some personal insights along the way, especially around investing and making sure your financial practices align with who you truly are. It's a conversation packed with wisdom, fun, and some real ‘aha' moments! You don't want to miss it!  Find Sarah Here: Sacred Money Archetypes quiz https://www.sarahbrillcoaching.co.uk/sacred-money-archetypes-quiz Linkedin https://www.linkedin.com/in/sarahbrill1/ IG https://www.instagram.com/sarahbrillcoaching/  If you liked this episode, please like share and follow for more! If you want to get to know more about what I teach and how I support business owners, just like you, go and binge all my free stuff here: www.clairehill.uk/freestuff If you would like to know more you can find me on Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@iamclairehill  Chapters 00:00 Introduction to Money Mindset 03:09 The Journey of a Digital Nomad 05:52 The Intersection of Travel and Money Mindset 08:46 Pivotal Moments in Financial Coaching 12:03 Understanding Sacred Money Archetypes 14:50 Exploring Different Money Archetypes 18:05 The Role of Values in Money Management 21:00 The Framework of Money Archetypes 23:46 Business Success and Money Archetypes 26:58 Common Themes Among Money Archetypes 30:17 Understanding the Maverick Archetype 32:06 Exploring the Alchemist Archetype 34:44 The Nurturer and Accumulator Archetypes 40:13 The Ruler Archetype: Empire Builders 47:50 Romantics and Connectors: The Pleasure Seekers  If you are searching for this stuff you are in the right place money mindset, financial coaching, sacred money archetypes, digital nomad, financial freedom, personal finance, money management, entrepreneurship, money beliefs, financial independence, Maverick, Alchemist, Nurturer, Accumulator, Ruler, Romantic, Connector, financial archetypes, money mindset, personal finance, female online business owners

Clayton Fletcher (@claytoncomic) continues his review of some key ITM Day Two hands from a $2.50 Accumulator tournament on ACR Poker.----Register for GTO Wizard and save 10% off your first purchase using this link: https://gtowizard.com/p/tpe----Come see Clayton perform stand-up!!!   linktr.ee/claytoncomic----Play on ACR using the promo code TPE for a 100% first-time deposit bonus up to $2,000.00 USD:  https://bit.ly/2Wvb6Vb----Join the Tournament Poker Edge discord channel:https://t.co/JHEUIHrCrJ

Clayton Fletcher (@claytoncomic) takes a look at some ITM Day Two hands from a $2.50 Accumulator tournament on ACR Poker.----Register for GTO Wizard and save 10% off your first purchase using this link: https://gtowizard.com/p/tpe----Play on ACR using the promo code TPE for a 100% first-time deposit bonus up to $2,000.00 USD:  https://bit.ly/2Wvb6Vb----Come see Clayton perform stand-up!!!   linktr.ee/claytoncomic----Join the Tournament Poker Edge discord channel:https://t.co/JHEUIHrCrJ

Hello Darkness, My Old Friend, we're in the relegation zone again... You host Andy, Dun and Bill pick the bones out of a disappointing 4 days as the R's early season form hits a sticky patch, and the fans pre-season optimism evaporates. This week's therapy session covers - Zeroes and Ones will not take us there (one for Jesus Jones fans there) - Goals are becoming hard to come by - Le Resistance - Nardi's incredible performance on Saturday, capped by a quadruple save that was all over Twitter at the weekend - Halleluj-aaaaargh. Has Lucas lost it? - Varane ran into hot water, late tackle on Batth leads to early Baath. - Why does it always rain on us? Travis scores deflection to put Rovers 1-0 up - Batth drains the life out of the game, tapping in from close range to make it 2. - Rangers score from open play but man of the match Pawson sees something no one else does and rules out Smyth's strike - Fans Forum gives cause for optimism - Marti, Xavi and JCS extend their stay - Dembele here to stay - Long term plan. Patience, patience, patience - Home comforts as the R's host Hull - R's fast start denied by perfect Pandur - Hull bring the Drameh to go 1-0 up. WHY DO WE HAVE TO ALWAYS GO 1-0 DOWN - Defensive disaster leaves Bedia alone in the box to make it 2 - Madsen scores the greatest penalty ever taken to bring us closer before the break - Second half sludge. Miller's third condems R's to lose 2 in 4 days. - There seems to be some hope in Saito, but can we cope right now? Nope - Major Mayoral Maelstrom. Mayhem! - Can't bring ourselves to talk about the election in Democracy Manifest. Too Depressing... - Too depressed for a Blighty Bulletin - Predictions: Our friends at Derby next. Can we salvage some Pride at at a prickly Pride Park? - One of us starts actually crying. (This may not actually be true) Can someone give us a hug? or at least 5 Stars, That might cheers us up a bit

EFL expert Gab Sutton joins Joe and Jimmy to tackle this coming weekend's coupon with selections from across the EFL including Bolton, Wrexham and MK Dons.After back-to-back winners at the start of last month at 11/1 and 12/1, here's hoping we can get back on track in October

In this episode of the Progressive Property Podcast we revisit episode 134 where Dan gives you the 5 essential things to consider when looking for a JV partner. Choosing your JV partner is NOT a child's game, like pin the tail on the donkey or ring-around-the-rosy. There's too much at stake when you don't think carefully and you don't have your guards up. Discover how you can thoroughly pick the best JV partner in your property business through Dan's simple steps. There will always be one who's very compatible with your knowledge, skills, and vision, so never settle!   KEY TAKEAWAYS  Work out the real reason you need a JV partner. Are you really in dire need? Or are you just lacking of self-belief? What business are you looking to bring your JV partner on? Make sure that your bringing in the right person. If you don't want to do it alone, it's worth considering also to have a mentor who can guide you. Having a JV partner might complicate the situation if you aren't clear yet of your purpose.  What will each person's role be? It's best that you complement each other. Find someone who have the knowledge and skills that you lack. And, who will deal with the day to day issues? If you just want someone who will provide the funds, then being active with the operations is the least to worry about when looking for a JV partner.   Before any agreements, remember to make a list of things you need to agree upfront. A JV Partnership agreement must entail everything each of you must bring to the table. What does your JV partner want? Know what outcome are they looking forward to. Also prepare an exit plan just incase of unforeseen circumstances (e.g. breach of contract, critical illness, etc.)  If you're looking for a joint venture in property, familiarize yourselves first with PS13/3 regulations. There are only a bunch of people you're allowed to joint venture with, and PS13/3 has it detailed.  Don't pick someone just like you. You are not looking for another you, you are looking for someone who can do what you can't do. Consider taking the Wealth Dynamics Test to gauge if your personalities are compatible. You and your partner can be: a Creator, a Star, a Supporter, a Deal Maker, a Trader, an Accumulator, a Lord, or a Mechanic.  Don't rush in to picking a JV partner. If you're picking someone for the long term, test everything out first. It would be a waste of time to know that what you have hope for in the partnership won't be fruitful. Be clear about their values, not just about the money, the skill, and the knowledge they can offer.  BEST MOMENTS  “Sometimes, people think they need a JV partner and they go into business with somebody when in hindsight, all they needed was to build some knowledge and gain some belief for themselves.”  “We have the end in mind before we even started, and that's what's really important.”  “You are not looking for the best mate to go out with, you are looking for a business partner who brings a different dynamic, a different skillset.”  “Pick the right person to grow the business.”  “It's not a race; it's a journey.”  “I made a lot of mistakes in property, but I made them before I got educated.”  VALUABLE RESOURCES  Progressive Property  PS13/3 Restrictions on the retail distribution of unregulated collective investment schemes (PDF)   Wealth Dynamics Test    ABOUT THE HOSTKevin McDonnell Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people's property to create financial freedom.     CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/progressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

Tom, Joe and Jimmy tackle a difficult slate for this week's acca with selections from across the EFL including talk of Millwall, Birmingham, Port Vale and Sheffield United.Listen here or you can watch over on YouTube.18+ | Please Gamble Responsibly | BeGambleAware.org 

Checkout: Accumulator Pathway to Effortless WealthWhat's Your Money Personality? Take the Money Archetype Quiz and find out! Check out my Programs here.Carla x

After failing to bag a hat-trick last week, the team of Tom, Jake and Jimmy return to put things right...or at least try to!There are selections from across the EFL, inlcuding shouts for Notts County, Wrexham and West Brom.Listen here or you can watch over on YouTube.18+ | Please Gamble Responsibly | BeGambleAware.org 

In this episode, I had the pleasure of chatting with Heather Esposito, a holistic life and money mindset coach. Heather shared her fascinating journey, which began with her work mentoring teenagers and led her to pursue a master's in counseling. She recounted her personal struggles, including a significant breakdown that led her to move back in with her parents and battle severe depression. Heather's turning point came when she decided to cut out sugar from her diet, which dramatically improved her mental health and set her on a path to becoming a health coach. Heather's journey didn't stop there. She opened a bakery in Philadelphia that catered to people with various food allergies and even appeared on shows like Cupcake Wars and Unique Sweets. However, after leaving the bakery, she delved into the world of personal development and coaching, eventually incorporating energy work into her practice. This holistic approach helped her clients achieve significant breakthroughs. We also discussed Heather's exploration of money archetypes, a framework created by Kendall Summerhawk. Heather explained how understanding these archetypes can help people align with the energy of money and improve their financial well-being. She detailed several archetypes, including the Accumulator, Alchemist, Celebrity, and Connector, highlighting their empowering and disempowering traits and how they manifest in people's lives. Throughout our conversation, Heather emphasized the interconnectedness of our relationship with money, food, and overall well-being. She shared valuable insights on how changing one's diet and lifestyle can lead to profound shifts in other areas of life, including financial health. This episode is a must-listen for anyone interested in holistic approaches to life and money, and Heather's story is both inspiring and educational. Next Steps Join us inside the Highest Self Academy to completely change the way you show up, think about the world, and what you are capable of. Our incredible community of women totally passes the vibe check -- you don't want to miss out.   Join us here!  Get $10 off Happy Juice here  Connect on the 'gram @meaganmurtonen   Connect with Heather  Instagram archetypes, holistic, coaching, human design, mindset,health coach, cooking lessons, bakery, personal development, energy work,trauma, energy work, money, relationship, coaching,self-confidence, money, baking, nutrition, energy,sugar, emotions, energy, diet, trauma,self, healthy, confidence, weight, treats,allergens, discipline, identity, morning routine, self-care,sugar, diet, awareness, health, transition,self-awareness, money personalities, patterns, agency, empowerment,lottery, bankruptcy, money personality, nervous system, archetypes,saver, money, analysis paralysis, responsible, opportunities,money, transformation, ideas, celebrity, entrepreneurship,celebrity, spending, validation, connector, archetype,connectors, relationships, empowerment, financial independence, people-pleasing,money, connection, astrology, self-love, change,maverick, rebel, ideas, boredom, money,disempowerment, impulsivity, rebellion, financial security, nurturing,nurturer, boundaries, dysregulated, romantic, money,pleasure, discomfort, impulsive, financial security, ruler,nervous system, archetypes, pleasure, branding, quiz,business, archetypes, help, money, coaching,coaching, floral business, pricing, serving others, women's empowerment,alignment, relationships, Gene Keys, money, purpose,empowerment, business, strategy, hypnosis, growth,vagus nerve, subconscious work, emotional mapping, limiting beliefs, energy clearing,money, control, entrepreneurial, inner child, investment,money, shame, stigma, career, opportunity,money, work, MLM, products, support,income streams, coaching, affiliate marketing, flowers, pandemic,flow, quiz, archetypes, money, healing,healing, episode, thank you, welcome, talk

Are you an Accumulator or a Releaser? I share what these 2 money archetypes are, whether they're born, learned or from a past life. And how you can shift into the most effective archetype for your net worth. What is an Accumulator and Releaser?Are they're born, learned or from a past life?How to understand whether the pattern is working for you.The difference between expansion and contraction in each patternHow you can shift into the most effective archetype for your net worth.DM me on IG and tell me which one you are! https://www.instagram.com/kristenwonch.xox/

If you, any of your family members, friends, or patients are taking a very expensive medication for which a coupon card or program is being used for assistance to pay for the medication, you will want to tune in to learn about the Co-Pay Accumulator Policy. Dr. Celine Lee, a rheumatologist practicing in the state of Utah, explains what the Co-Pay Accumulator Policy is and how it can significantly impact the finances of anyone taking an expensive medication.  If you would like to read more about the Co-Pay Accumulator Policy, Dr. Celine mentioned an article that can be found at https://www.crohnscolitisfoundation.org/patientsandcaregivers/managing-the-cost-of-ibd/copay-accumulator-maximizer-programs Some states have banned copay accumulators. As of summer 2023, 19 states have banned copay accumulators: Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Kentucky, Louisiana, Maine, New Mexico, New York, North Carolina, Oklahoma, Tennessee, Texas, Virginia, Washington, and West Virginia, as well as Puerto Rico.   If you live in a state that has NOT banned copay accumulators, be an advocate:Contact your congressman Contact your state's insurance departmentCall your insurer to ask questions. Depending on what you learn, you may want to talk to your employer. Your employer might not be aware they signed up for this program or how it negatively affects their employees.Dr. Celine Lee is a Rheumatologist practicing in the state of Utah. She is not an insurance expert in anyway. This podcast episode is for informational and entertainment purposes only. If you would like to find out more about Dr. Celine Lee or are looking for a rheumatologist in Murray, Utah, her website is https://lotusrheumatology.com/Please subscribe and leave a review on your favorite Podcasting platform.  If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook You can learn more about Elisa at her website or follow her on social media.Website: https://ww.GrowYourWealthyMindset.comInstagram https://www.instagram.com/GrowYourWealthyMindsetFacebook https://www.facebook.com/ElisaChianghttps://www.facebook.com/GrowYourWealthyMindsetYouTube: https://www.youtube.com/c/WealthyMindsetMDLinked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mindset Podcast is for informational and entertainment only and should not be considered professional investment, legal, or tax advice. Dr Elisa Chiang is not a certified financial planner, attorney, or accountant.  The views expressed are the personal opinion of Elisa Chiang and her guests and should not be taken as advice specific to you, the listener of he podcast. Personal finance is personal and your personal financial decision need to be made based on your personal financial situation and risk tolerance after having completed your own due diligence.   

Dynamic Accumulator Plants, Returning Them To The Soil? #plants #toxic #toxicmetals #gardening #garden #farming #itsallaboutthebiology The Soil Matters With Dr. Elaine Ingham #Dr.ElaineIngham,#leightonmorrison,#avsingh,#livingsoil, Watch the full episode: https://www.youtube.com/watch?v=5ZaGgdPcqWU Today's Guest: Dr. Elaine Ingham Your Hosts: Leighton Morrison Dr. Av Singh, Ph.D., PAg. Executive Producer Ken Somerville Find the full disclaimer on our website.

Copay accumulators have been a major topic of discussion in the life sciences community for the past several years, and Mercalis has been extremely busy providing continued guidance and support to our clients who have been impacted. After several recent legal developments, we decided to devote an episode of our Mercalis in Motion podcast to discuss the latest updates via a roundtable discussion. We welcomed to the studio our colleague Michael Harris, Mercalis' VP of Patient Support Services Strategy. He was joined by Carl Schmid, the Executive Director at the HIV + Hepatitis Policy Institute and Bill Sarraille, a Partner with the Sidley law firm in Washington, D.C. This information will be very helpful to life sciences decision makers who are planning for 2024 and beyond.

Attorneys Brady Bizarro and Andrew Silverio discuss a recent federal court decision that saw drug manufacturers and patients alike score a win against copay accumulator programs – programs that help maximize the manufacturer assistance available to patients but decline to count those amounts toward deductibles and out-of-pocket maximums.  With the latest rule being struck down, where does the law stand now and what will happen next?

George Huntley, CEO of the Diabetes Leadership Council, explains a major victory for patients in a court case regarding Copay Accumulator practices; Cigna has agreed to pay $172 million dollars after allegations the submitted false diagnostic codes to boost reimbursements; and the unions that represent 85 thousand health care workers have reached a tentative agreement with Kaiser Permanente after a strike over wages and staffing. Diabetes Leadership Council Webpage Fierce Healthcare News Article: Court strikes down Trump-era rule that allowed insurers to not count copay assistance Fierce Healthcare News Article: Cigna to pay $172M to settle claims it overcharged Medicare Advantage program U.S. Department of Justice Office of Public Affairs Press Release: Cigna Group to Pay $172 Million to Resolve False Claims Act Allegations AP News Article: Kaiser Permanente reaches a tentative deal with health care worker unions after a recent strike  

The St. Petersburg Museum of History in St. Petersburg, Florida holds in its collection a set of binders containing details and clues about an incendiary tale of a woman who met a bizarre and combustible fate. Akron, Ohio's Center for the History of Psychology has a simple box with a few knobs, dials, and buttons that was used in a shocking experiment that tested the bounds of human nature. And the Lubec Historical Society in Lubec, Maine displays an oversized iron pot with metal rods that once held the promise of unimaginable wealth. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Justin breaks down the life of another sample client: Alvis and Alyssa Accumulator. They are in their early 40s and have three kids. Their income and expenses have never been higher. We discuss what considerations, opportunities, and mistakes they need to be aware of to optimize their financial plan (tax, investment, estate planning, income planning, and risk management).For more information and show notes, visit: https://bwmplanning.com/episode57Connect With Us:Facebook - https://www.facebook.com/BrownleeWealthManagement/?ref=py_cLinkedin - https://www.linkedin.com/company/brownlee-wealth-management/Disclosure: This information is for informational purposes only. Nothing discussed during this video should be interpreted as tax, legal, or investment advice. If you have questions pertaining to your specific situation, please consult the appropriate qualified professional.

Kappy is back on the Podcast for another fantastic talk where we cover his exciting products such as Nakama, Deepr, Accumulator, Genie Bounty. We also speak about the ongoing Shimmer testing campaign, how you can profit from it as well as other exciting things coming in the future for the IOTA Ecosystem.

Just like love, money has its own language too.   I'm an Accumulator which means I like my money where I can see it:   Under my bed, in a box, I can run away with if anything bad happens   My husband, however, well, he's a Romantic.   For him, money is about enjoyment.   And so begins the dance of two polar opposite money personalities in a dramatic love story.    Will the Accumulator finally let go of her money-hoarding ways and learn to enjoy life?    Will the Romantic learn the value of a rainy day fund?   Dun, dun, dun    Well, let me tell you…   As we navigated the ups and downs of making more money, we discovered the true meaning of partnership in life and love.   And if I can tell you one thing about this love drama, it's this:   Our journey may have had its bumpy moments, but we learned to communicate, compromise, and appreciate each other's differences.    And, who knows, maybe someday I'll even let my money out from under the bed and join my husband on his romantic adventures.    But until that day comes, I'm doing a deep dive on how to handle this dynamic with your partner.   Listen, money differences with your partner have a lot more tied up to it than we know.    Today, I'll help you untangle it!   Xo,   Gaby Loved this show? Don't forget to leave a review!  Let's keep this par-tay going!