Podcasts about Accumulator

Why do so many smart, high-income Australians still feel financially stretched despite earning more than ever? In this episode of Get Invested, Bushy Martin is joined by former engineer, finance professional and Magnetic Money creator Miriam Castilla to explore the hidden behaviours that ultimately determine whether an investment strategy succeeds or fails. As Bushy’s Property W.E.A.L.T.H. Clock moves from E for Examine into A for Approach, the focus shifts away from assets, lending and locations, and onto the one factor every investor takes with them into every decision: themselves. Miriam explains why more money doesn’t solve financial problems, it simply magnifies the habits already there. Together, she and Bushy unpack the three Money Habit Archetypes—Overextender, Spender and Accumulator—and reveal how each can quietly shape the way we save, borrow, invest and respond when life inevitably gets messy. The conversation also challenges one of the biggest misconceptions in property investing: that borrowing capacity equals investing capacity. While a lender can calculate what you can borrow, only you can determine whether you have the behavioural capacity to stick to the plan, protect your buffers and hold quality assets through uncertainty. You’ll discover why emotional regulation is one of the most overlooked investing skills, how unconscious money stories influence everyday decisions, why every dollar needs a defined purpose, and how Miriam’s practical five-minute weekly money rhythm creates a financial system that’s both sustainable and enjoyable. If you’re preparing to invest, or wondering why you’ve struggled to stay consistent in the past, this episode lays the behavioural foundation for a strategy you can actually live. In this episode you’ll learn: Why more money amplifies existing financial behaviours rather than fixing them. The three Money Habit Archetypes—and how to recognise your own. The difference between borrowing capacity and behavioural capacity. Why emotional decisions quietly derail long-term wealth creation. How to give every dollar a clear job and build effective money buckets. Why focusing on one financial priority creates greater progress than chasing several at once. Miriam’s simple five-minute weekly money rhythm for staying on track. Why sustainable wealth is built through consistent systems, not willpower. This episode marks the beginning of the Approach stage of Bushy’s Property W.E.A.L.T.H. Clock, reminding us that before you choose the property, lender or strategy, you need to understand the person who will execute it. Because your strategy will never outperform the person behind it. Connect with Miriam here: https://www.miriamcastilla.com FREE PROPERTY INVESTOR’S FIELD GUIDE How Should I Invest In Property Now? After months of post-Budget analysis, modelling and conversations with investors around Australia, Bushy has distilled the key insights into a practical guide designed to help you cut through the confusion and identify the opportunities that still exist for strategic property investors. Download your free copy here: https://bushymartin.com.au/fieldguide Take the next step with Bushy Personal Solutions Session Get clarity and personalised guidance: Book now Property W.E.A.L.T.H Program - live now! Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Get property investment and wealth resources, and book a Personal Solution Session with Bushy. All the links and info are here: linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com. This content provides general information only and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.See omnystudio.com/listener for privacy information.

Le sujet :L'intelligence artificielle est en train de démocratiser l'accès au conseil financier, mais encore faut-il savoir comment bien l'utiliser. Dans les mains d'un particulier comme d'un professionnel, elle peut autant aider que nuire. Comment en tirer le meilleur ? Comment éviter qu'elle renforce les biais au lieu de les corriger ?L'invité du jour :Stéphane Dothée est le fondateur d'OdonaTech, une société spécialisée dans la finance comportementale qui propose des IA en marque blanche dans le monde du conseil financier. Dans cet épisode, il explique comment utiliser l'IA pour révéler tes biais, les challenger avec des prompts "avocat du diable" et éviter les pièges de cet outil.Découvrez :Les biais de l'IA et sa tendance à renforcer ceux de l'investisseurAccumulator, Independent, Follower : quel est votre profil d'investisseur selon l'IA ?La méthode du "stress-test de vie" pour évaluer la robustesse de votre patrimoineLe risque de l'injection de prompt et comment s'en prémunirRetrouvez tous les prompts ici : https://lamartingale.io/tous/3-prompts-pour-mieux-investir-et-eviter-les-erreurs-qui-coutent-cher/Chapitres : 00:00:00 : Les profils : comment les IA évaluent la personnalité de l'utilisateur00:10:01 : Analyse en direct du profil de Matthieu00:17:14 : Le prompt que tout le monde devrait tester00:24:32 : Vers la fin de la souveraineté et des conseillers financiers ?00:34:28 : L'IA est déjà en train de révolutionner les finances perso00:39:18 : Comprendre les biais de l'IA00:42:54 : Utiliser l'IA pour comprendre les frais et les rendements exacts de ses investissements00:47:11 : L'IA agentique : ce que ça implique vraimentMerci à notre partenaire eToro de soutenir la Martingale.Allez sur etoro.com et prenez le contrôle de vos investissements.eToro est une plateforme d'investissement multi-actifs. La valeur de vos placements peut augmenter ou diminuer. Votre capital est assujetti à un risque.La libre antenne de votre podcast préféré, Allo La Martingale, a désormais son propre flux ! Abonnez-vous sur Spotify, Apple Podcasts ou votre plafeforme audio favorite pour ne manquer aucun nouvel épisode. Pour s'abonner à la newsletter, c'est ici : https://lamartingale.io/ La Martingale, c'est aussi un assistant IA qui vous apporte des réponses éclairées issues des interventions des experts passés au micro du podcast. Pour tester, direction https://beta.lamartingale.ioLa Martingale est un média d'Orso Media. Vous souhaitez entrer en contact avec a rédaction ? Ou nous soumettre une collaboration ? Ecrivez-nous ici : https://orsomedia.io/contactHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

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Tom Carnduff is joined by Jimmy 'The Punt' Cantrill and Joe Townsend to pick out the Saturday accumulator. Four teams are fancied for success this time around, coming from all three divisions of the EFL, at around 11/1.Who is in YOUR acca this weekend?

In this episode, Andreas Munk Holm speaks with Oskar Hartmann, legendary operator turned super angel. From Kazakhstan to Germany, Russia, Japan, and now Dubai and Silicon Valley, Oskar has built and exited more than 10 companies, invested in 150+ ventures (14 unicorns among them), and today is pioneering a new way to solve concentration risk for founders and angels: Accumulator, a share-pooling model unlocking liquidity and diversification.They dive into Oskar's “beast mode” founder philosophy, his candid battles with burnout, the importance of product–soul fit, and why Europe doesn't just need more unicorns, it needs deca- and hectocorns. Along the way, Oskar shares his learnings from India's ecosystem, his obsession with avoiding adverse selection, and his belief that communities, not individuals, create enduring success.

Get ready to elevate your passive income strategy! Join us for the Beyond the Bank: Land Investing, Debt Funds, and IBC for Smart Passive Income Triple Play Masterclass on Dec 10, 2025 (1:00–4:00 PM CT). Learn from industry experts Anthony Faso & Cameron Christiansen, Justin Sliva, and Whitney Elkins-Hutten as they reveal how to leverage Land Investing, Debt Funds, and Infinite Banking for a winning investment strategy.

⚽ EFL Podcast Betting Preview: The Best Football Accumulator for Saturday, September 27Get ready for the weekend action with Tom Carnduff, Jake Osgathorpe and James 'Jimmy the Punt' Cantrill, who are here with their best football betting tips for the Championship, League One, and League Two 3pm kick-offs.We give you a deep dive into our top picks, breaking down our reasoning and even telling you which teams we're avoiding so you can build your own football acca.18+ Please Gamble Responsibly begambleaware.org

The inmate takes over the asylum as James 'Jimmy the Punt' Cantrill steps into the hot seat in the absence of Tom Carnduff.Get ready for the weekend with our betting tips! Jimmy, Joe Townsend and Jake Osgathorpe are here to share their best Premier League, Championship, League One, and League Two accumulator for all the best 3pm kick-offs.We're giving you a deep dive into our top picks, breaking down our reasoning and even telling you which teams we're avoiding so you can build your own football acca. Our fourfold is enhanced by Sky BetFind out more:- Get our exclusive acca: sportinglife.com/football/this-weeks-acca- More betting predictions: sportinglife.com/football/tips-centre- Follow us on X: x.com/SportingLifeFC- Check out our TikTok: tiktok.com/@sportinglifefcPodcast schedule:- Mondays: Weekend Review - A full breakdown of the weekend's results.- Thursdays: Saturday Acca - Our best football accumulator, enhanced by Sky Bet.Like what you hear? Subscribe to the channel so you don't miss an episode, and drop your own predictions in the comments!#EFL #FootballTips #PremierLeague #Championship #LeagueOne #LeagueTwo

EFL Betting Tips: Our best Championship, League One & League Two accumulator for this weekend (Saturday, September 6 2025)Join Tom Carnduff, Joe Townsend and Jake Osgathorpe as they reveal their football betting predictions for all the best 3pm kick-offs.The team are back to build a fourfold enhanced by Sky Bet! We dive deep into the best bets from this weekend's EFL action, revealing our reasoning for each selection.We also tell you which teams we're avoiding to help you build your own football acca.]• Get the link to our acca here: sportinglife.com/football/this-weeks-acca• Get more betting predictions: sportinglife.com/football/tips-centre• Follow us on X (Twitter): x.com/SportingLifeFC• For more opinion and debate, follow us on TikTok: tiktok.com/@sportinglifefcPODCAST SCHEDULE:• Mondays: Weekend Review - We break down all the weekend's action and results.• Thursdays: Saturday Acca - We build our best football accumulator, enhanced by Sky Bet.If you enjoy the show, hit that subscribe button so you don't miss an episode and let us know your own picks in the comments!#EFLBetting #Championship #footballpodcast

EFL Betting Tips: Our best Championship, League One & League Two accumulator for this weekend (Saturday, September 6 2025)Join Tom Carnduff, Joe Townsend, James Cantrill, and Jake Osgathorpe as they reveal their football betting predictions for all the best 3pm kick-offs.The team are back to build a fourfold enhanced by Sky Bet! We dive deep into the best bets from this weekend's EFL action, revealing our reasoning for each selection.We also tell you which teams we're avoiding to help you build your own football acca.• Get the link to our acca here: sportinglife.com/football/this-weeks-acca• Get more betting predictions: sportinglife.com/football/tips-centre• Follow us on X (Twitter): x.com/SportingLifeFC• For more opinion and debate, follow us on TikTok: tiktok.com/@sportinglifefcPODCAST SCHEDULE:• Mondays: Weekend Review - We break down all the weekend's action and results.• Thursdays: Saturday Acca - We build our best football accumulator, enhanced by Sky Bet.If you enjoy the show, hit that subscribe button so you don't miss an episode and let us know your own picks in the comments!

EFL Betting Tips: Our best Championship, League One & League Two accumulator for this weekend!Join Tom Carnduff, James Cantrill, and Jake Osgathorpe as they reveal their football betting predictions for all the best 3pm kick-offs.The team are back to build a fourfold enhanced by Sky Bet! We dive deep into the best bets from this weekend's Championship, League One, and League Two fixtures, revealing our reasoning for each selection. We also tell you which teams we're avoiding to help you build your own winning acca.Get the link to our acca here: https://www.sportinglife.com/football/this-weeks-accaGet more betting predictions: https://www.sportinglife.com/football/tips-centrePODCAST SCHEDULE:Mondays: Weekend Review - We break down all the weekend's action and results.Thursdays: Saturday Acca - We build our best football accumulator, enhanced by Sky Bet.If you enjoy the show, hit that subscribe button so you don't miss an episode and let us know your own picks in the comments!#EFLBetting #Championship #FootballPodcast

The team are back to take on matchday five in the EFL Championship, League One and League Two!In this episode, Tom Carnduff, James 'Jimmy the Punt' Cantrill and Jake Osgathorpe focus on the best bets from the 3pm kick-offs. We reveal our reasoning for each selection in our latest EFL betting acca, and tell you which teams we're avoiding.PODCAST SCHEDULE:- Monday: We'll be back to review all the weekend action.- Thursday: Join us for our usual episode, where we build our best Saturday acca, enhanced by Sky Bet.Hit that subscribe button so you don't miss an episode and let us know your picks in the comments!#LeagueOne #LeagueTwo #BettingPredictions

Your Sacred Money Archetype® holds incredible gifts—and a shadow side just as powerful.   These shadows are subtle patterns that quietly shape how you charge, give, spend, save, and receive… often without you realizing it.   Whether you're a bold Ruler, magnetic Celebrity, wise Accumulator, or heart-centered Nurturer, understanding your money shadow side is how you take back your power.   Join me this week as I walk you through the shadow side of all eight archetypes, plus the one coaching question that can instantly shift you into sovereignty.   Let's go beyond surface strategy and step into the kind of money leadership that changes lives, starting with yours.   In this episode, I talk about:   Which hidden money pattern is quietly running the show in your business decisions right now.   The single boundary shift that can change your income game almost overnight.   What happens when you stop avoiding your shadow—and start using it as a power source.   The one question that flips each archetype's money story on its head.   Why mastering your shadow could be the most profitable leadership move you make this year.   ~~   For full show notes, transcript, and to explore the Sacred Money Archetypes® certification,  click here: www.themoneycoachschoolpodcast.com/99

The EFL is back - 2025/26 season is here and the Championship returns from August 8. Here at Sporting Life we cannot wait. We've previewed League Two and League One and now it's the turn of the second tier. Ipswich Town, Southampton and Leicester City return from the Premier League, while Birmingham City, Wrexham and Charlton arrive from League One with momentum after impressive campaigns. Sheffield United suffered play-off heartache and swapped Chris Wilder for Ruben Selles while Frank Lampard's Coventry also saw their season end in disappointment as they finished in the top six. Norwich have a new manager in Liam Manning, Millwall look a force under Alex Neil. While at the bottom, it's expected to be a long and tough season for Sheffield Wednesday with their off field problems and Danny Rohl's departure. Hull also look in trouble while Preston, Derby, Stoke and Oxford will be hoping to avoid a repeat of their 24/25 relegation battle. Join This Week's Acca's Tom Carnduff and Joe Townsend to look ahead to what promises to be another exciting and eventful season in the EFL's top tier.

The Sky Bet EFL 25/26 season is here!League One and League Two gets underway this weekend and we have Tom Carnduff and Joe Townsend back to preview the action.They build a fourfold for Saturday afternoon's 3pm games and discuss their reasons for backing them - and reasons for avoiding others.If you enjoyed the show, head to our profile and check out our Season Acca covering all leagues, as well as individual previews of League Two, League One, Championship and Premier League (coming soon).THIS WEEK'S EFL! We will then be reviewing the action on a Monday before looking ahead to the weekend with our usual Thursday episode as we build a Saturday acca, enhanced by Sky Bet.Don't forget to subscribe so you don't miss an episode, as well as hitting like and commenting with your thoughts.

Ahead of the big kick-off in League One and League Two, Tom, Joe, Jake and Jimmy are joined by Sky Bet EFL expert Gab Sutton to preview the third and fourth tiers, with plenty of common ground and disagreement over teams' prospects for 2025/26.

With the start of the season getting ever closer Tom, Joe, Jake and Jimmy are back for the first episode of 2025/26's This Week's Acca, looking at the betting from the Premier League and down through the EFL pyramid to build a season-long accumulator.

The SkyBet EFL Championship Play-Off Final is upon us and the Acca lads get together at Wembley to preview the game and pick out some of their key bets.18+ | Please Gamble Responsibly | BeGambleAware.org 

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 

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.

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  

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

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/

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!

In this episode I am talking with Julia Scott about understanding your own 'Money Language'...and how learning the 'Money Languages' of your boss or customers can help you be potentially more successful in negotiating better deals or salary remuneration packages for yourself. Who doesn't want to learn more about that?!  Once you understand your own Money Language you can learn how to ask for what you want with greater success.  Here are the 8 different personality Money Language types:  The Alchemist - they are idealists  The Romantic - they spend money freely and spend for emotional purposes The Connector - a relationship connector; they have faith and optimism The Accumulator - the 'banker'; they save money to spend on meaningful things The Nurturer - they love to care for others; sponsor everyone except for themselves The Ruler - the empire builder; they have a tendency to overwork and are diligent The Celebrity - they like to flash cash The Maverick - they love to do things differently to everyone else, including money You might have a dominant type and then 2-3 sub-types. Have a listen and see what you think your 'types' are. What do you value?What might your boss' types be? What does s/he value? How could you use that information to your advantage when negotiating your next pay rise?A cool quote from today's ep:"Say your boss is a Ruler-type. S/he will value hard work and so in your salary negotiation or performance review you might talk about your track record and how your work is positively impacting the business. " (Julia Scott, guest on Her Ambitious Career podcast)*****Guest Bio:Julia is ex-corporate Wealth Management and a certified Money Mindset expert. As a former financial advisor, she realised that there's a gap in the market between women and the finance industry: women do money differently to men. Julia helps women clear money blocks and set up systems to become super confident in attracting managing and growing wealth in their personal life and in business.Take Julia's Money Languages Quiz: https://www.loveluckwealth.com/resources*****Host Bio:Rebecca Allen is a Career Success Coach for ambitious women looking to land dream career opportunities. She has worked over the last 10 years with clients from companies including ANZ Bank, Origin Energy, J.P. Morgan and Coca-Cola Amatil and loves getting those excited phone calls from clients saying they've been promoted, have negotiated a seismic pay rise or have moved into a role completely aligned with their mission, values and strengths. Find Rebecca: www.illuminategrowth.com.auWant a promotion? > Get: 'The 7 Habits of Female Execs Who Get Promoted'> Book a free 15-minute Career Strategy Call> Connect on Linkedin> Join our facebook group 'Career Success for Ambitious Women'

Kappy is back on the Podcast to explain what Nakama Labs is and how this exciting team is planning to push crypto in to the traditional way of doing finance on the longterm, but also how they are building dApps on Shimmer, such as Accumulator and DeeprFinance. Very capable team and a very capable project to keep an eye on as EVM launches on Shimmer.

The best way to empower your relationship with money, and create a Money Mindset that supports you, is to really, really know your Money Personality, and this means understanding your Money Archetypes. In this episode I explore each of the Money Archetypes and provide useful reframes for the main elements of each Archetype. There are 8 Money Archetypes in total, and our relationship with money is governed by 3 of them. This relationship will be a blend of the three, so not all traits of each Money Archetype will show up for us, but it's important to know and understand, which ones are supporting us and which are not.Key TakeawaysThe Nurturer archetype is your inner sponsor. You'll be likely to appreciate money, yet you feel the need to over give. Every penny that you bring in, you will have a natural generosity. And this includes wanting to protect shelter, or nurture others financially.The Alchemist archetype is your inner idealist. The alchemist are attracted to unconventional or different ways of making money. The Accumulator is an archetype very much around saving money. There will never be a rainy enough day for accumulators to feel more comfortable spending money than saving money, because accumulators love to save. The Connector is really good and evil of helping others to create long term relationships that can generate income. They're very happy when somebody else is making decisions, though, particularly financial decisions for them. The Celebrity archetype is a very charismatic archetype, people are drawn to them because of that charisma. However, celebrity archetypes can have a tendency to value money as a tool to achieve the status, the image and the recognition that is so important to them.The Ruler archetype have a strong desire to achieve, and a strong desire to build a successful business. As a ruler, you never feel satisfied and you're continually challenging yourself to achieve higher financial goals.The Romantic archetype is described as your inner headedness. And this is because romantics tend to feel gratification and pleasure around value simply because they feel like it, they're worth it. They dislike feeling a slave to money. Instead, they like to use it to enjoy other good things. They believe that money is there to be enjoyed. The Maverick archetype is your rebel without a cause. And a Maverick is attracted no surprises to get rich opportunities, they are willing to take a financial risk in exchange for potentially a big win.Understanding your relationship with money, and understanding your money archetypes that are driving that relationship does empower you. It puts you in the driving seat of the decisions that you make regarding money going forward, and allows you to understand the impact and the reasoning behind why you have made decisions.Connect with MeFREE Money Archetype Quiz www.themoneyconfidenceacademy.com/resources/sma-assessment/FREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/moneyconfidencecommunityFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomas Hosted on Acast. See acast.com/privacy for more information.

Kappy is a name that grew fast within the IOTA ecosystem these past few months due to his high knowledge about Defi and his will to help people learn more about it. He has since late last year spend a lot of time to provide his skills to everyone around him. He also is working on several projects, one of which is Accumulator which he introduces on the Podcast.