Podcasts about american business women

In this episode of The Real Build, I sat down with Jamie Berger. Jamie Berger is a seasoned Financial Advisor with nearly two decades of experience, specializing in providing tailored financial solutions to clients. Originally from New York, Jamie relocated to Marco Island with her family in 1997, where she has since become an integral part of the Southwest Florida community. Jamie earned her Bachelor of Science degree in Finance from Florida Gulf Coast University. Building on her academic foundation, Jamie pursued further studies and obtained her MBA with an emphasis in General Management from the same institution. Passionate about giving back, Jamie is highly active in the local community. She has served as the past secretary of the Neapolitan Chapter of the American Business Women's Association (ABWA) and was honored as Woman of the Year in 2014 for her outstanding contributions. Jamie's dedication to leadership development is evident through her completion of the 12-week Leadership Marco program in 2009 and the eight-week Growing Associates in Naples (GAIN) program in 2015. Jamie and I talked about a few financial topics. Things like: Financial literacy with the youth and how schools need to teach it. Don't sell fear; buy it! Where to invest your money. Turn off the market noise. Always listen to an advisor. What to look for when hiring a financial advisor. Jamie Berger Website:⁠⁠⁠⁠⁠⁠https://www.bergerwealthmanagement.com/ Linkedin: ⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/jamie-berger-mba-a13a1710/ Host Info Email: Bill@rkreiman.com CONNECT WITH ME ON SOCIAL MEDIA: ▶︎ YOUTUBE | ⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCxAdSxHN0dIXZPhA-6p1HYA ⁠⁠⁠⁠⁠⁠ ▶︎ INSTAGRAM | ⁠⁠⁠⁠⁠⁠https://www.instagram.com/imbillreiman⁠⁠⁠⁠⁠⁠ ▶︎FACEBOOK| ⁠⁠⁠⁠⁠⁠https://www.facebook.com/billy.reiman ⁠⁠⁠⁠⁠⁠ ▶︎ LINKEDIN | ⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/bill-reim...⁠⁠⁠⁠⁠⁠ ▶︎ TWITTER | ⁠⁠⁠⁠⁠⁠https://twitter.com/ImBillReiman⁠⁠⁠⁠⁠

Since leadership is a hot topic these days, I thought we could all use a refresher on what makes for great leadership.  In this episode, we will get into some important leadership lessons with the help of my guest, Genice Hall-Fowler. Genice is a 2020 Top Ten Business Woman as noted by the American Business Women's Association.  She is also on the National Board of Directors for ABWA, is District 1 Vice President and is an approved candidate for ABWA National President.  Mrs. Hall-Fowler is a licensed clinical social worker and the owner of Grateful Guidance Life Counseling, LLC where she specializes in helping others discover their ‘happy.' Genice is a three time published author, and her works include “If She Can;” “Happiness Diary-Discovering Your Happy;” and “Grandma B- Biggest Cheerleader for Me” a tribute to her mother. Listen in for inspiring and practical tips to improve your leadership.  Also, in this episode a career tip on how to organize the elements of your ideal career. That might not sound like a big deal but I can tell you that without organizing your ideal career elements, you won't have your checklist of what you want in your ideal career.  When you get organized, you can leverage all the insights you discovered from the Soul Search tips I've been sharing from my book each month.  So tune in and learn how to organize your ideal career elements and lead your own career! Resources in this episode:  Announcing the Cruise to Career - set sail and discover your ideal career Genice's contact Information on Facebook Graduation Gift Pack  Buy Maggie's Book and Get Ready to Love Your Job Watch bonus advice from Genice in this YouTube video interview Leadership and Life Lessons from the Florida Panthers - Stanley Cup Winning Hockey Team    

Dr. April Murdaugh is a Purse Strings-approved financial advisor in Fleming Island, Florida, and the CEO of Woman to Woman Financial. Through her wealth management firm, she is dedicated to helping educate, empower, and encourage women to create and grow generational wealth. We are honored to have her on the show today to share her remarkable story and the five biggest financial mistakes she sees women make.  Here's some of what we discuss in this episode:1:11 – Dr. April's experience with widowhood and financial hardship + journey to financial advising 8:18 – Avoidance in financial planning9:53 –  Negotiating for higher salaries or fees + working with a coach 13:40 – Prioritizing retirement planning over college savings for children22:07 – Not having a will or estate plan26:44 – Giving your spouse complete control over your finances 32:29 – Having financial conversations with your partnerLearn more about Dr. AprilDr. April D. Murdaugh is a fee-based financial advisor based in Fleming Island, Florida. She specializes in assisting successful women executives and business owners in creating a financial plan that outlines how to live the life they deserve.Having experienced homelessness, widowhood, and divorce- losing everything three times in her life-she is deeply committed to aiding women in fortifying against setbacks and navigating life transitions to achieve financial prosperity.She has held leadership roles in various professional organizations including past president of the Professional Women's Council, president of the National Association of Insurance and Financial Advisors-North Florida Chapter, and Treasurer of the Women in Transportation-Northeast Florida Chapter.She was also President of the American Business Women's Association-Orange Park Charter Chapter in 2019 and 2020 and was recognized as one of the Top Ten Women American Business Women in 2021. Among her accolades, she received the Small Business Leader of the Year award in 2020 and was named Best Financial Advisor in Jacksonville in 2018 and 2019. Dr. April D. Murdaugh is an approved Purse Strings Professional. She is a mom to four wonderful adult children. In her spare time, she enjoys reading, music, exercising, kayaking, and hiking.Episode LinksDr. April on Purse Strings: https://pursestrings.co/professional/financial-advisor/florida/fleming-island/dr-april-murdaugh/Woman to Woman Financial: https://www.womantowomanfinancial.com/Get in touch with Dr. AprilFacebook: https://www.facebook.com/W2WFinancial/?ref=pages_you_manageLinkedIn: https://www.linkedin.com/in/aprilmurdaugh/Instagram: https://www.instagram.com/draprilmurdaugh/Join the Purse Strings Facebook group: https://www.facebook.com/pursestringsco/ To learn more about money and access additional episodes, visit us online: https://pursestrings.co/

THROUGH A DIVINE LENS: Sue Frederick Every day we have an inner battle going on between two parts of ourselves: our ego and our soul. When we view the world through our ego lens, life can seem tragic, random, meaningless, and painful. When viewed from our soul's perspective, we find divine order and soul agreements in every event of our lives. Each of us has the power to uplift and inspire, to feel love and compassion, no matter how tragic our experiences may be. By viewing the world through your divine lens, you can reawaken to the wisdom and potential of your soul, see the opportunities behind suffering, and help in the collective evolution of soul consciousness. Intuitive, author, ordained Unity Minister, master numerologist, and Soul Regression Therapist Sue Frederick, has been featured in the New York Times and has presented workshops at venues such as Omega Institute, The Crossings Retreat Center, Naropa University, Shambhala Retreat Center, Loyola University, American Business Women's Association and the National Career Development Association. http://www.SueFrederick.com Learn more about Simran here: www.iamsimran.com www.1111mag.com/

Wanda La Russa – is an awesome Warrior. Her 20+ year Warrior journey started in the San Francisco Bay Area. Her unique value is her experience, and knowledge of diversity and multi-culturalism. She studied Human Development, self-development, human dynamics, mental health, relationships, and mindset. Since 2000, she has uplifted individuals of all ages by teaching, inspiring, motivating, and empowering them to enrich, improve and enhance their well-being, personal relationships, and professional lives. Wanda has spoken to various groups at retreats, sales trainings, community, and corporate events. Her volunteer work includes Soroptimist International, American Business Women's Association, and Toastmasters International. Wanda believes that a positive approach to any challenge helps people to work through difficulties, gain a deeper satisfaction, and more fulfilling lives and relationships. What is BeeKonnected? Why is it Better for Groups than FaceBook?How can You Monetize Your Following? Use this link to get the answers https://visionwarrior.beekonnected.com/affiliate/Connect with Wanda on BeeKonnected with the link below https://backoffice.beekonnected.com/ViewProfile?id=bgbcrZMUHz61bxEia7qzwQ==

The American Business Women's Association is a group of women of all ages.  Fran Marie interviewed Tami Stewart our Committee Chair for Limitless Ladies, and fundraiser extraordinaire, Lisa Johnson the mom of Jessica Johnson who received a college scholarship from Limitless Ladies.  If you like to be in the company of professional women on a mission to grow their minds, hearts, and Brand, this is the event for you.  Grab your raffle tickets and catch up with Limitless Ladies on their official website: limitlessladies.abwa.org  Social Media: Facebook  - ABWA Limitless Ladies Chapter

Unlock the future of franchise marketing in our next podcast episode! Dive into the specifics of hyper-targeted marketing,geo fencing, and the cutting-edge AI tools that are revolutionizing outreach. Learn how leading franchises are pushing boundaries and capturing audiences in ways previously deemed impossible. We're not just talking tools — we're delving into the strategic mindset behind them. Navigate the expansive world of digital capabilities and transform potential overwhelm into powerful,actionable strategy. If you're committed to elevating your franchise's reach, this is the essential listen for you.THIS IS A RECORDING OF A LIVE WEBINAR ORIGINALLY RECORDED ON SEPTEMBER 29, 2023 AT 1:00 PM EASTERN.CONNECT WTIH OUR GUEST:https://mrobertsdigital.com/https://www.linkedin.com/in/terimoten/https://www.facebook.comTheSmallBusinessProblemSolverhttps://www.tiktok.com/@terimotenhttps://www.instagram.com/terimoten_mba/https://linktr.ee/terimoten_mbaABOUT OUR GUEST:Teri R. Moten, MBA, serves as a Digital Marketing Consultant at MRoberts Digital, specializing in aiding franchise organizations inmarketing their ventures. As a distinguished Business Coach, Teri is "Your Business Problem Solver," offering businesses expertstrategies for growth and profitability. She holds a BBA in Marketing from the University of Texas at Austin and an MBA from theUniversity of Houston-Victoria. Her expansive career encompasses financial services, medical sales, and business consulting.Notably, she has served on boards for the American Business Women's Association and the University of Houston-Victoria'sSchool of Business. A passionate advocate for female empowerment, Teri's mission centers on connecting women, cultivatingempowerment through knowledge, and inspiring personal and professional greatness. Outside of work, Teri, a minister, treasuresmoments with her husband, Bishop David P. Moten, and their cherished daughter who is in college, Ayanna.ABOUT BIG SKY FRANCHISE TEAM:This episode is powered by Big Sky Franchise Team. If you are ready to talk about franchising your business you can schedule your free, no-obligation, franchise consultation online at: https://bigskyfranchiseteam.com/ or by calling Big Sky Franchise Team at: 855-824-4759.

In spite of an unpromising upbringing, three divorces and a bankruptcy, Lisa Curtin's journey proves that not only is there always a story behind the story, but that reinventing your story along the way is never impossible. In this conversation, Lisa opens up about her childhood, including the role her Lithuanian roots played, a house-wifery grooming, and growing up amongst alcoholism and a lack of encouragement at home; the experiences surrounding her three marriages, including spousal abuse, losing a partner to cancer, and racking up six-figures of debt; and her struggle with shame, embarrassment and people-pleasing throughout her life. Then, we discuss her journey of rising above and the incredible career path she took from police dispatcher, to school principal, to tour director, to now the COO of a very successful public accounting firm; dive into the rewarding, but emotionally taxing, experiences special education teachers face, the regressive impact weekends and summer breaks can have on children with behavioral or mental disabilities, and why it's so important for the world to show these children empathy; and talk about what it means to create a truly great employee experience, including the mindfulness leaders must have in order to avoid unintentionally setting unattainable expectations. And throughout, Lisa illustrates how powerful it is to just believe in yourself, and seize every opportunity that comes your way, because it might just help you realize even bigger dreams than you ever knew you could achieve. Resources American Business Women's Association The mission of the American Business Women's Association is to bring together businesswomen of diverse occupations and to provide opportunities for them to help themselves and others grow personally and professionally through leadership, education, networking support and national recognition. Caldwell CPAs Caldwell CPAs is a skilled, reliable, client-focused certified public accounting firm that can help you manage your business and achieve the highest levels of efficiency and profitability. Based in metropolitan Washington, DC, our clients include individual taxpayers, professionals in the fields of health and law, nonprofit organizations, and small businesses in a variety of industries, including tourism, high-tech, food & beverage, construction and real estate. We're located close to embassies and multinational organizations in the nation's capital, allowing us to specialize in addressing the financial challenges faced by foreign nationals working in the United States, as well as companies and citizens working abroad.

In this episode, we are talking about and honoring the remarkable achievements and contributions of women in the workforce. From breaking barriers to shattering glass ceilings, women have made remarkable strides in the business world. American Business Women's Day is a reminder of the strength, resilience, and determination displayed by women entrepreneurs, executives, and professionals. It's an opportunity to recognize the unique challenges women face and the incredible impact they have in shaping industries and driving innovation. On this day, let's celebrate the trailblazers who have paved the way for future generations, inspiring women to pursue their dreams and reach for the stars. Let's also acknowledge the ongoing efforts to create a more inclusive and equitable workplace for women, where their talents and capabilities are recognized and valued. To all the women in the workforce, know that your voice matters, your achievements are worthy of celebration, and your presence is changing the landscape of business. Keep pushing boundaries, pursuing your passions, and inspiring others to follow in your footsteps. Together, we can continue to break barriers and build a future where every woman thrives. THREE SECRETS TO SUCCESS IN A MAN'S WORLD: www.julielaughtonliving.com/secrets7 SIMPLE STEPS TO A 5 STAR EXPERIENCE: www.julielaughtondesignbuild.comCONNECT WITH JULIEPodcast: www.julielaughtonliving.comDesign Build: www.julielaughton.comInstagram: @julielaughtondbTikTok: @julielaughtondbHouzz - Facebook - Twitter - Pinterest - LinkedInABOUT JULIE LAUGHTON: Julie's passion is to build custom dream homes with timeless designs that match every client's style and needs. She has been in the Design Build business for over thirty years. As a designer and general contractor, she oversees and executes all facets of the blueprints and build from conception to completion while providing a collaborative and stress-free process for each client. Julie has completed over 1,000 remodels and custom homes along the affluent coastal communities of Orange and LA County, Laguna Beach and Newport Beach as well as significant projects in Beverly Hills, Hollywood and Pasadena.

So what the heck is a “profitability and growth advisor”? Candy will tell us. Actually, she has run her own bookkeeping business for nearly 19 years. What makes her story interesting today is that her business is all virtual. She has a staff of nine spread over four states. As she will tell us, she even began this process before the pandemic.   Until just a few years ago Candy Messer lived totally in California. As the pandemic grew she and her husband decided to move to Tennessee where their children and grandchildren lived. Can't have a better reason than that.   During our conversation, Candy will generously give us some sound business advice. She is a person who is willing to share.   She also has a podcast where she interviews business experts on a wide variety of topics. Candy is an unstoppable entrepreneur by any standard. I hope you love this episode as much as I.     About the Guest:   Candy Messer is a profitability and growth advisor working with entrepreneurs in service-based industries to help them have successful businesses.  With experience in the bookkeeping industry since 1998, Candy understands the stresses business owners face and offers customized services to meet their varying needs.   Her company energizes business owners by removing the burden of compliance tasks as well as working with them to identify issues preventing higher profitability and/or growth. As a result of using her services, clients have peace of mind and the freedom to do what they love.    Candy was named Woman of the Year for 2009-2010 by the Peninsula Chapter of the American Business Women's Association, and 2011 Entrepreneur Mom of the Year by Today's Innovative Woman magazine.  In 2012, the El Camino College Foundation honored her as a Distinguished Alumni of the Year. Affordable Bookkeeping and Payroll was named 2016 Small Business of the Year by the Torrance Chamber and Intuit's (creator of QuickBooks software) 2016 Firm of the Future.   Candy is co-author of Business Success With Ease, Navigating Entrepreneurship, and Yes, God, and is the host of the “Biz Help For You” podcast which can be found on YouTube, as well as multiple podcast channels.   Candy has been married since 1992 to her husband Garth and they have a son, daughter, son-in-law, and two grandsons with another due in June. When not running her company, Candy enjoys reading, crocheting, logic puzzles and spending time with friends and family.   You can find out more information about Affordable Bookkeeping and Payroll Services at www.abandp.com.   Ways to connect with Candy:   www.abandp.com https://www.youtube.com/c/CandyMesser https://www.facebook.com/AffordableBookkeepingAndPayroll/ https://twitter.com/AffordableBP https://www.linkedin.com/in/candymesser/ Free guide to financial lingo. https://affordablebookkeepingandpayroll.com/free-report/   About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/       Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app.   Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.     Transcription Notes Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i  capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:21 Welcome to another edition of unstoppable mindset today, we get to chat with Candy Messer now candy and I kind of met at one of the PodaPalooza events. We've talked about that here on unstoppable mindset in the past and PodaPalooza is one of those things that people go to who have podcasts and are looking for people to interview people who want to be interviewed on podcasts, or people who are just learning about podcasts. And it's an adventure. So all of that happens. Isn't it fun? I've gone to all of them, including this last one candy spin to most of them. And I'm sure we'll have a lot to talk about with podcasts and all that. But Candy Welcome to unstoppable mindset.   Candy Messer ** 02:07 Thank you. I'm glad to be here.   Michael Hingson ** 02:09 Well, thank you for for joining us and looking forward to having some fun. So why don't we start, if you will, by you telling us a little bit about kind of the early candy, what got you started school or any of those kinds of things, you know, sort of like always start at the beginning and go from there.   Candy Messer ** 02:27 Sure. Well, I was like born and raised in Southern California live there pretty much my whole life until 2021, where I was able to relocate because I have my daughter and her family live now in Tennessee, and I had two grandchildren, I'm about to have a third. So I wanted to be close to them. And the pandemic actually allowed that to happen. I've been working in my business remotely for many, many years, probably at least a decade, I had the ability to work from anywhere as needed. But it was finally when that happened that clients were aware, right that we didn't have to be in the same location. And so many years ago, I never intended to be a business owner. I was a full charge bookkeeper for a publishing company, and somebody who knew what I did said, please help me with my husband's business because I have to pay the bills and invoice and reconcile and all of that. And I don't mind doing the basic stuff. But I hate especially reconciling. And so that's kind of how I got started because she kept bugging me and I finally agreed to help her. And then I had to get some more clients because I had things that I had to pay for my own business that you know, I had to cover my expenses that one client, you know, wasn't going to do. And then after helping her for a couple years, my husband basically said, quit your job, do your own thing. People enjoy what you do. And that was basically in 2004 When I left the full time job and gave up that guaranteed paycheck, which was a little bit scary. So but I enjoy on a personal level, like reading, crocheting, logic, puzzles, things like that, but I don't have as much time to do that since I am an entrepreneur and work more than I probably should. But I have a staff as well that I want to make sure that we keep the business going so I can continue to support them to   Michael Hingson ** 04:31 we're in Southern California, where are you from?   Candy Messer ** 04:34 So I was born and raised basically in the South Bay LA County. And so I lived basically most of my life right in those same cities like Torrance, San Pedro, you know, I lived in Harbor City and Gardena for a bit too, but I would say like Torrance in San Pedro where I spent the majority of my time.   Michael Hingson ** 04:54 Well, then you know where I live. We live in Victorville.   Candy Messer ** 04:56 Yes, I've been through there my son actually well, both my kids is played club soccer. And you of course you travel in all different places. And so we'd been out in that direction a few times, even for tournaments or, you know, League Cup or state cup, things like that.   Michael Hingson ** 05:12 Hit believe how Victorville has grown over the years I grew up in Palmdale. And as I love to tell people, it was hardly even a blip on the radar scope compared to Palmdale when I was growing up. And we came back down here in 2014. And my gosh, there were at that time, 115,000 people in Victorville alone, much less the whole Victor Valley area, it's kind of crazy.   Candy Messer ** 05:37 It became more affordable to for people who really wanted to get into California, but couldn't afford the bigger cities, you know, and so they'd go into those outlying areas. And that's kind of what brought those other cities to be more populated as well.   Michael Hingson ** 05:52 Yeah. And I think it's continuing to grow it is it's an interesting place. It's a politically wise, a very conservative area, compared to a lot of California. But it's contributed to the economy. So what what else can nobody asked for? It? Exactly. So what caused you to or Well, why did you actually move to Tennessee specifically, that because that's where kids were or what?   Candy Messer ** 06:23 Right, so when the pandemic hit my daughter and son in law, were actually living in Ecuador, they had been there since 2018. And when COVID came, you know, basically, their country shut down within seven hours, it was they were told, get out now, or you'll be here for an indefinite period of time. And they hadn't originally thought of leaving, but things just shut down so severely, and they had no transportation, transportation wasn't even running there. It was hard to do anything. And the US government was putting together periodically relief flights out where they were getting some of their citizens back to the United States. And so at one point, they had a flight they were able to get on, and it was basically bring, you know, two suitcases of stuff with you. And then you had no choice where you're going. It was literally a flight from Quito to Fort Lauderdale. And so basically, when they were coming back, there was not really a lot of places that they could be at the time, my husband and I were in an apartment in Torrance and didn't have a ton of space, but they were with us for about two months. But my son in law, his grandparents said, we have a room in our home, you know, you could come stay with us. And then they ended up in the long run, finding a home that they're able to purchase on their own as well. And so they were able to be around family. And it just worked out because now in this little area, my son in law has his grandparents and parents, and who also relocated here. And then we are now here. And so there's both sides of the family in one place. And for me, I value family so much I really wanted to be around my grandchildren wanted to see them grow up and not just see faces on a screen. And so I get to be around and see their development and help my daughter when you know she needs some   Michael Hingson ** 08:20 help. We're in Tennessee.   Candy Messer ** 08:24 We're in the north eastern area close to the Smoky Mountains. So I said basically, Virginia is about an hour north of us and North Carolina's 20 to 30 minutes to the east. So right up in that little corner. So it's beautiful here, I love it. I mean, I've left you know, California to it was amazing, like weather and the view. I mean, from where I lived, we could still see mountains, we could go to the beach, we can go the desert if we wanted to. But it definitely is gorgeous here as well. And I really have adapted well, you know, to the move.   Michael Hingson ** 08:57 What do you find different about living in Tennessee as opposed to California from cultural and other kinds of standpoints?   Candy Messer ** 09:06 Gosh, there there are quite a few things that I had to get used to. I mean, I live in a smaller area. I mean, the county here is only like 66,000 people too. And so I lived in LA County, right which is a huge number of people. And so like even just yesterday we experienced where I was talking to my husband and he was saying like we could go to a location I'm like well I'm not sure if they're going to be open right like in California everything is open seven days a week on all holidays on all major you know events were in towns things on the weekend. Sometimes they're closed on holidays, things are closed. And sure enough, a lot of the small restaurants independently owned like everything was closed. And so you have to go to like a big chain like to be open and where we live. There's not like there's not even like really a hotel in the city that I live in. I mean, there's I think one technically like a little motel or something, but there's not like a lot of that a few Airbnb s are starting to get established. But it's way different. I don't think Uber even works here, right or left, right. So there's kind of things that you're just used to having all the time that you don't have here. But people here are super nice. And I enjoyed the neighbors that I had, I had built some relationships. But I know in California, a lot of times, we didn't really talk as much with each other in California, we're here, like, when we moved in, someone, like showed up, welcomed us to the neighborhood and bite us to the church brought us some baked goodies, you know, and, and then we're helping each other out as like if we need things. And so I think it just kind of depends on the people that you're around, right? Because you can have that pretty much anywhere, if you've got those kinds of people who are willing to be like that, too. But a lot of people are individualistic now and don't necessarily interact as much in community.   Michael Hingson ** 11:06 What about the food? I mean, you know, what California has like lots of fast food and everything else. What is it like back there? From a, from an overall food standpoint, in terms of what are people in the habit of eating and all? Chicken? Like in West Virginia, there are lots of fried things, a lot of dough, and all that.   Candy Messer ** 11:25 Well, here, there's something I still haven't tried it either, but I hear like pimento cheese is like the thing here, you know, or whatever. And they'll have sandwiches with this on it or other things, which I'm like, Okay, that's interesting. But there are things here too, that I enjoyed in California that I don't really see, like, I loved Chinese chicken salad, right? You know, or things like that. And you don't see that as much, much of that you don't see as much ethnic food. I mean, there are some, but it's not like, you know, like, I mean, again, in California and LA County, you could go to some areas, and there'd be Ethiopian food, or there would be, you know, just like all different kinds of cultures. So here, you can still get Chinese, Italian, Mexican, you know, whatever. But some of the other ones that are maybe a little more obscure in general, you're not going to see as much.   Michael Hingson ** 12:16 And how far away is your nearest Costco.   Candy Messer ** 12:20 I actually don't think there is a Costco anywhere close, there is a Sam's Club, which is probably about 20 minutes away. There is a Walmart in my local city here, you know, I just noticed there's a Ross it's being built right now. So that's kind of cool. But there's like a lot of the things here that I noticed, like none of the big branches of banks, even that I'm used to, they're not even here, you know. And so that was one of the things I had to adapt to is I guess you could do things on your phone, make deposits and everything. But with running my business, I really wanted to have a relationship with the bank where I could go in if needed. And so I had to kind of develop those relationships again, and kind of and I told the bank that I had in California, I loved working with them, I will still recommend them to clients of clients need something. But I felt I needed to have that. So that was to me strange. Like, I've there's all these like credit unions or small regional banks I've never heard of, and the big ones I'm used to. None of them are around here. So that was another just getting used to some of the things that are just a little bit different.   Michael Hingson ** 13:31 The bank wasn't willing to construct a branch there for you.   Candy Messer ** 13:38 Not yet. Oh, well, there's   Michael Hingson ** 13:39 there's something to shoot for. What does your husband do?   Candy Messer ** 13:44 Well, he originally had been a truck driver over the road, you know, in basically 48 states in Canada. And then he basically decided in the fall of 2019, to leave for the winter, because he just decided it really wasn't safe. Because the trucks sometimes were just like, automatically break. And if you're on ice, that's not a good thing. And so there were a couple of times where thankfully he's very good at what he does. But he had a couple times where he was almost in an accident because like the way the road was he would explain like say you have an off ramp and there's some cars like stopped on the off ramp, but it's not in your road, right sign your lane and the road curves. And so it would be perfectly fine. But all of a sudden it slams on the brakes because it thinks you're going to hit somebody and then you know you have a potential to Jackknife your vehicle. So he said, I don't want to drive in the winter. They can't guarantee that I'm only going to stay in states, you know, without snow. And so he was going to leave and then when he thought of going back, which was early, you know, 2020 Now we have the pandemic and a lot The trucking had, you know basically stopped. I mean, if you had grocery deliveries or things like that you could but he had switched from kind of what they call like the hook 'em ups where you've got a trailer and you just attach the trailer and deliver. And he used to deliver groceries and things to doing more heavy haul he used to take like pipes, or he actually delivered parts of the stage for the Super Bowl or you know, just like this heavy equipment that a lot of that demand had disappeared. And it actually was about the perfect timing, because at that point is when my daughter was about to have another baby, they were looking to buy a home that they ended up getting because it was a foreclosure. And so there's a lot of work that needed to be done. So he was able to help them with their home. And then when I would come I'd be back and forth until we finally bought our own home in November of 2020 2021. So I would help my daughter sometimes and I would go back and I was helping my parents also in Indiana and spending some time with them. And so I was back and forth a little bit, but he was here and able to help them when they needed. It   Michael Hingson ** 16:09 was cool, but it it's it's different. But by the same token, you obviously adapt and, and accommodate well and you're having a lot of fun. So you went to college in California,   Candy Messer ** 16:21 I did. And I decided I did not want student debt. And so I went to community college for the first two years graduated with my, you know, a BS degree in business. And then I went to my local four year university in Carson, California. I went to Dominguez Hills and graduated there. So I basically worked and went to school so I could pay, you know, my tuition as it happened. And so thankful I did graduate, and I went year round pretty much to so I can graduate in those four years, and leave without all of the debt that a lot of people have. And I'm thankful I did that, because it definitely made a bigger difference in my financial future than having that debt. But I know a lot of times it depends on your industry you want to be into. For me, I felt I didn't have to go to like a really expensive college, I was gonna get the education that I can apply it. You know, it's not always just what you learn in school, but how you apply it. Right. And so that's kind of that was my path.   Michael Hingson ** 17:27 So what did you do out of college.   Candy Messer ** 17:31 So originally, it's so funny, I started my first quote unquote real job other than like the babysitting and stuff I used to do working retail. And I thought that would just be you know, a job when I you know, as a teenager, I'll just do that until I decided to do something else. But I ended up continuing to have promotions while I was there. So I started when I was 17. By the time I was graduating college, I had been promoted three times. And they offered me a promotion. Basically, as I was graduating to manage kind of all the behind the scenes, inventory, stocking the floors, I had anything that you could basically put on your body I was managing, so they have the hard lines, which is you know, like your appliances and hardware and the soft lines. And so I was the behind the scenes manager of all of that. And so over the years, I just stayed in that job because I actually had enjoyed what I was doing. And again, didn't think that I was going to work retail. But as I got married, and I'd had my first child, I was pregnant with my second child, I just thought retail isn't for me any longer. I want to be able to have more time at home with family and with what I did. Sometimes we were at work early in the morning, most of the time I was at work by six in the morning. But during Christmas season, sometimes they would have us go in like 10 o'clock at night and work all night long. Because you don't have people in the store any longer. So it's easier to just get this stuff on the floor. And that's not really conducive to having time with your children. So I ended up leaving and I decided to be an at home mom for a few years and then kind of got back into the workforce, part time volunteered and my kids school and you know different things that they did and then over time, you know, became an entrepreneur.   Michael Hingson ** 19:28 So from retail, you went to do what exactly?   Candy Messer ** 19:33 So from retail, again, stayed home for three years. And then basically someone reached out to me who needed help. At a preschool. The director was on a medical leave. She'd been on a medical leave and then the person who had come in and replaced her had just left to go back to a different job when the director came back and then she had the same medical issue and was going to be gone probably another six months. And so they asked me if I would come in, kind of just make sure you know, all the records were being handled appropriately, all the monies collected from the parents and expenses paid. And you know, all of the things that needed to be done to run that. And at the time, my kids were still preschool age, my daughter was four, and my son was two. So I was able to take them with me to the job, they would go into their classrooms, I would do the work, but I told them, I only want to work as long as I need to get the work done, and then be able to go home so that I'm not just sitting there all those hours every day. And they agreed, and they had someone else who could work in the office. So if I wasn't there, and a parent came in with a question, you know, they basically could get their questions answered, but I didn't have to work full time. And that was basically my stepping back into work outside of the home. While I was at home mom, though, I was a Tupperware consultant. So I did have a little bit of time out where I was earning a little bit of money, but I was talking to adults, because if anyone has been home with babies, and that's all you do, you realize you need to have a little bit of adult conversation. So I had done that, too. And then basically, when that director came back, I was debating like, what did I want to do? Did I want to stay in like early childhood education, and then go back and get the units because if you're going to work, you have to have the units and early transmission. And or did I want to do something else. And then I found out about a position where they really needed help. On the finance side, again, in the company, I came in as like an accounts receivable person, and then within a few months, ended up being the full charge bookkeeper. Because the person handling the other side of things, accounts payable, was going to be leaving the company. So that's kind of how I got back into working and kind of the financial arena and the bookkeeping, and all of that.   Michael Hingson ** 21:59 Well, you and as you said, you worked with someone who, or you were involved with someone who really wasn't excited about reconciliation and all that stuff. And I can imagine that can be stressful and a challenge at times. And of course, especially during the tax season, life gets to be fun. So you, you do need to deal with that a lot. If you're going to N Have patience to deal with it too.   Candy Messer ** 22:28 Right? Well, so many people just don't like numbers, reports all of that anyway. And it's even if they know what they need to be doing, it's not something they enjoy. So they put it off, right, and then the longer you put it off, the more is to get caught up. And so then it becomes overwhelming and stressful. And so then it causes them to put it off even longer until the CPA says hey, I need your information, right. And so we come and just say, just do what you love, let us help you, even if you're good at it, you just don't want to do it, there's no need for you to have to do something that you're not passionate about. So let us help keep everything clean, organized, you know, done properly. And sometimes that's an issue too, because the software now has become so easy to use, that you can make mistakes, because you don't know the right way to do it. But the software lets you do something. And so that can be a problem too. And so a lot of times, the numbers aren't actually correct, which can cause some problems, right? And so, again, having someone come in and do it, and then you do what you love and your business, you know, I think is ideal.   Michael Hingson ** 23:42 my late wife never liked to work with numbers, of course, actually, she went to the extreme she said math lies as she could, she could perform a calculation on a calculator three times and get three different answers. And we never could figure out exactly how that happened. So she just said math lies Simple as that.   Candy Messer ** 24:03 Well, I think if you've ever seen those equations to that will say like, what's the answer to this right and it will have you know, like five plus three to the second power in parentheses a number and so you have to know the order of operations so you'll get people who will say different numbers because they don't know and so so yeah, you could come up with different hands   Michael Hingson ** 24:23 first well, she did the math wasn't rowsley complicated but things happen and at the same time she she handled all the basic stuff for our business to keep the invoices and all that but wasn't wasn't a great fan of it. And we have some wonderful people who though who we we work with who now since she's passed also really helped me with the books and all that because that's something that they're going to be able to do a lot better than I so I keep track of the day to day things but work with them and it works out well. But it was always funny to hear her. Absolutely swear that man applies. But she, but she still, she did it. And the other side of it is that there were times in our 40 years of marriage where we had some economic problems and lived off of some credit cards and all that. And she laid out the strategies to come back from that. And, for example, would not make minimum payments on credit cards and other things like that, to the point where we don't have credit card debt. And I've even gone to a little bit more of an extreme than she, fortunately, the, the credit cards that I do have, are structured where and with organizations where I can tell them each month, pay off the balance, so I don't even have to worry about it. And I did set that up with Wells Fargo earlier this year, and somebody didn't make it because they messed up. And it didn't pay off the entire balance, I pay it off the next month. But I also made them take back the finance charge, because they found in the record where I'd asked her to be set up to pay off the full balance. So, but I really am glad that she did all the things that she did. And so we don't carry any balances, and I wouldn't have it any other way.   Candy Messer ** 26:19 And that's one of the things that I talked to people about too, and say, you know, if you are going to have a credit card, you know, unless there is an emergency or something to and you really just don't have another choice, you know, it's okay to use them during the month, but make sure you pay that in full, right. And if something does happen, and you are not able to pay it in full, I also recommend don't waiting until that payment due date to make a payment because the way that interest works is its interest on average balance. So if you can make a payment every week, just make a smaller payment every week even and reduce that throughout the month, you're gonna pay less interest overall. So even if you pay the same amount, you think, you know, say I owe $120 Instead of paying $120 when it's due, you know, pay $30 a week. Yeah, and then that will help, you know, reduce the amount of interest. But one of the things that I think I do say if you can manage it and not have the balance carryover, a lot of times you can get cashback on your purchases too. And so I always recommend get the cashback you know accruing on your card, and then apply it to your balance to pay down that balance even and so even if it's one or 2%, it's one or 2% that you don't have to pay out of your own pocket. And it's things that you have to pay anyway, you know, like utilities or something, put those on your credit cards if you can, and then again, automatically pay that credit card every month paid in full, ideally, but then those types of things are going to accrue those values for that credit, and then apply it back to your statement. So saves you a little bit of money in the long run. So that's a wise use of credit, in my opinion.   Michael Hingson ** 28:04 And the reality is every little bit helps when it comes to making payments. So even if it's one or 2% it still helps over the long run. Exactly. So I'm really glad that at this point, we don't have that I don't have that hanging over my head, which I'm really pleased about and grateful to her for sticking to it, which she did, even though math lies, but she's still, but she's still stuck with it. And and, and made it all work, which was really pretty cool. So you have been doing bookkeeping now for how long?   Candy Messer ** 28:42 Well, I say I officially started again with my own business in 2022. But I started in 1998. Back working with that preschool and then becoming the full charge bookkeeper for the publishing company. So you know, here we are, like 25 years basically doing the bookkeeping and things like that, too. So   Michael Hingson ** 29:05 and your company today is called what   Candy Messer ** 29:08 affordable bookkeeping and payroll services   Michael Hingson ** 29:12 and that you started in 2022. Yes, so   Candy Messer ** 29:15 technically, though, so when the first person asked me to help her, and it was just me, I started it actually with a different business name, I just call it bookkeeper for you. And then in 2005, I opened an office, I was actually sharing space, you know, with someone and she said, My business has the name affordable in it. If you just name your company affordable something. We could just share the same phone lines, we can you know, we'll just answer the phone affordable. And if it's for me, I'll take it if it's for you. You'll take it as like well. I do bookkeeping and payroll. So how about affordable bookkeeping and payroll? So that's how the name actually came about. And so I kind of track that. Yes, overall, I've had many Is this since 2002. But 2000 is five is when I changed the name and basically started, you know, actually with an office, and then I hired my first staff member in 2006. And so it's kind of like two different starts. Yeah, if that makes sense.   Michael Hingson ** 30:20 Yeah, it does. And so as an entrepreneur, you are doing bookkeeping. I think you said early on, for a lot of people remotely.   Candy Messer ** 30:33 Well, early on when it was just me, and again, I started with the first person who needed help. And then I had a couple more clients I had to get, I would go to their locations and do the work in their office. And that's kind of where I make that switch of in 2005, I open an office. And so for a period of time, I still went to some client locations. But I was starting to develop where work was coming to me instead of me having to go to them. But initially, it was where I was finding people that needed help on site, they didn't need their own bookkeeper on staff, maybe they only needed someone once or twice a month to come in, you know, pay some bills or reconciling the accounts. And then again, over time, it started to shift more where it was the work coming into my office, and I was hiring more staff, and we were all in one place, and California until the pandemic, thankfully, I was already thinking of moving to a more remote team. And we already had a lot of that in place. We'd already been testing, as of actually my first person was in 2018, who had hired her, the day that I hired her, her mom ended up passing away actually in another state. And she was like, Oh, I'm not sure I can even keep the job. And I said, Well, we could be flexible, you know, work on your schedule, if you need time off, you know, periodically, you know, we'll work it out. And then that was in May of that year. And in November, she said, it's just been hard. I feel like I'm not giving everything I need to because I'm not able to work as much. And I said, Well, why not? Let's test this out, let's have you be able to work remotely. And we can set up systems and processes and test software and communication and you know, everything that we needed to do. So she started doing that November 2018. By the fall of 2019, we're getting all of the staff prepped and each person worked a different day from home. So most of us were still in the main office, but one person was at home, and we were testing everything out again that way. And then we're going to start moving into two days a week. And then we're going to do three days, you know, until we finally just got everyone in place. Unless you over horse a little, of course, I actually had to pay for some additional software or whatever to that allowed for all of this to happen. And we went from you know, hardwired phone system to an online, you know, VoIP system. But when the governor said, work from home, you know, it was easy, I could tell all my staff to stay from home. And technically, I was an essential business. So I could have required everyone to still come to the office. But I thought it's not necessary, right? There's really only one person I need to have in the office. So if anyone drops off anything or needs to pick up, you know, we still had some people who had printed payroll checks, they would need to come and pick it up, I needed one person in the office, everyone else really could work from home because everything that we do is basically online technology or things like that. So it just made it easy to allow other people to be able to be from home have one person and now I've literally got people in multiple states, because having a Remote Setup allowed me to hire outside of my local area work since we didn't have to be in the same office, right. And so I've been able to hire moms who have kids, I have one that had, you know, a child with a health issue that she can't really leave her home very much. And so she had a hard time finding work that would allow her to be home with her daughter. I have two people who in the last nine months have each had a baby. And so I've been able to allow them to have a flexible schedule. So when they need to get off the clock and help the baby they can they can come back home. You know, so there's like a lot of things that I've been able to offer that I couldn't when we were like a nine to five in the office business. Right.   Michael Hingson ** 34:36 So how many people do you have working for you now?   Candy Messer ** 34:41 Right now I have nine staff in four states about to be five because one is moving to another state. So but yeah, so and again, it's now a mix of I used to have mostly full time and now I have more part time than full time because again, the flexibility that I'm able To offer.   Michael Hingson ** 35:01 So it was no real great difficulty I gather for you to move to Tennessee, since you were as a company, so used to doing things remotely what an innovator, because for a lot of companies it was was hard to do. And I think still is hard to do. And what I don't hear you saying is that anyone has any kind of fatigue about working remotely, whether you communicate through zoom or on the phone, or whatever, but everyone is used to doing it, and you're doing it just fine. Thank you very much. Yeah,   Candy Messer ** 35:36 I think it's interesting, because, you know, yes, we are all in different places. And I think a lot of people enjoy still having the ability to work from home, but we still want that connection with each other. So we do have, you know, our, like, chat, you can individually send a message to one person, if you need to reach them, or if there's a group, you know, sometimes we'll send a picture of something just into the group chat. You know, like, when the ladies have had their babies, or they want to just do an update and send a picture, we could do that. Or, you know, sometimes we just send those quick little messages. But I also have a weekly team meeting that we're all coming into, we get to see each other on Zoom, see each other face to face, and most of the time, their business, but sometimes I'll have like a special little event, you know, like I've done for the babies that are gonna be born, we'll have work, we're gonna have a special little baby shower today, right? You know, or if someone's getting married, or someone just graduated, you know, so then we can honor like, the special events in their lives as well, which helps us feel connected to each other. So it's not like, Well, I'm just in my house, and you're in yours, and we don't get to see each other.   Michael Hingson ** 36:46 But look at what you're doing, you're, you're really providing a very supportive environment. And you are really adopting and adapting to whatever situation you need to do in order to make it a productive situation for everyone who's involved, which is your entire team.   Candy Messer ** 37:07 I'm just thankful that we had been putting into place, the ability to work from home, because if we hadn't had that already in place, and that shutdown had been order, it would have been more difficult for me to allow staff to immediately work from home because our phone system wouldn't been set up properly, or the way that we could get the data that we needed, or things like that. So I'm just thankful. Because at first I was like, how do you know, when you have someone at home, you know, that they're going to work as effectively as if they're in an office, you know, and so I'd actually had an employee in the past that actually stole time from me, you know, if I wasn't in the office, she would extend her lunch break and have people cover for her or different things. And when I found out about that, like, I was just pierced, like, in my heart, it was just like, I trust people. I'm loyal to people, like I kind of expected, I guess in return, like if that's how I am, that's what I'm gonna get. And so there was a huge trust issue at first about like, Can I trust people if I'm not actually going to see them? Because if this could happen in an office, when I went out to meet a client or do a networking event, what is going to happen? If you know, we are not in the same room? And I can't say that every single person hasn't, you know, done something maybe that wasn't 100%? Honest, right? I don't know for sure. But based on the team that I have, and how everybody does, what I see needs to be done. Like, I don't think that there's anything going on. And if somebody is not quite as productive. Is it as important now to just make sure that they're on the clock for the eight hours? Or is it more important to have the work that gets done? Right. And so that's what I have to look at is yeah, they're accomplishing the work. Right.   Michael Hingson ** 39:02 Right. Well, and it's always a value judgment, but it's great when you pretty much have mostly or most all the time people who are doing doing things the right way doing the right thing. And you don't have a lot of dishonesty and there is no need to to be dishonest to emulate. I think mostly people want to be honest and tend to be which is great. Right? Well, so do you. How do you get new clients? How does that happen? Since everything is remote   Candy Messer ** 39:40 Interesting enough, we still get I originally when I was first starting my business, a lot of the referrals I had were from professionals like a CPA, a financial planner, maybe a business banker, but over time, we've had a lot more people finding me through like a Google search or sometimes Yelp or things With that, too, but I think because I share so much content, I was, you know, back from, oh, gosh, at least 10 years ago, I think I started a blog, a written blog. And now I do video blogs. Now I of course have my podcast as well. And so I think, because I'm putting out so much content now that people are searching and finding us, and reaching out, and then I've done a few videos, especially, I've had a lot of people reaching out to me, because I did how to videos on the employee retention tax credit, which a lot of people have probably heard about, there's a lot of aggressive companies out there to telling everyone you qualify for $26,000 per employee, you know, which is a lot of times not true. But what I did was, I showed people how to claim that without even having to pay a professional to do it, right. So I walked him step by step, here's like the worksheet, here's how you put it on this form, and, you know, send it in. But people would still reach out and say, Well, I have questions. I'm not sure if I'm doing this, right. So we've been able to help them to as customers. So it has brought in customers, even though my intention was just to put out free information out there. So small business owners could get this because what really annoys me are these big companies that are or the aggressive companies. I don't know how big they really are. But they're taking 1520 30% of the credit by helping these small businesses claim this and I was like, you know, the whole point is, they kept their employees on staff during a pandemic, a lot of times they were barely able to survive, because they didn't have the cash flow. So why not help them get the cash in their pocket and not take 30%? You know, so let me show them how to do it. And that's kind of how I've had a lot of people come to me too, because they're finding those videos on YouTube. And I'm answering questions, if they have questions. Now, there have to be general questions. If it's very specific to them, then we have to say we need to have a consultation. And that's a paid consultation, because there's too many individual questions. But if someone is just asking a basic question, I'll answer that question for them.   Michael Hingson ** 42:09 During the pandemic, it was just my wife and me in in the business. So I suspect we probably wouldn't really qualify for getting a whole lot because income was a little bit rare. Not not, like, none at all, but it was a lot less because speaking and stuff wasn't happening. But you know, but I see those commercials all the time. And I've always just been amazed by them.   Candy Messer ** 42:36 And it just seems right now there seems to be a lot more like it comes in cycles, like I still even get texts, phone calls, emails, you know, have you applied for this, you can get up to $26,000 per employee just reach out to us. And so I know one of my employees actually told me recently, somebody had emailed us. And they were mad, because what we had said that their credit was was less than the $26,000 per employee. And it's like, well, you didn't do this correctly. So then she said, Well, let me explain like what the difference is. So number one, that's assuming that you qualify for all six quarters. Number two, it's assuming that everyone on payroll qualifies. If you have a majority owner and any family, like they don't qualify, it assumes that every person earned the maximum wage, and it assumes you didn't have a PPP loan, you know, or, or things like that, too. And so when she was able to show like, well, this didn't qualify, or this person didn't make the 10,000, or you had a PPP loan, and so you had to have this much of your money go here, then it makes sense. But again, there's a lot of misleading information out there. And that's why I get really annoyed. Right, because it's like, just be honest with people and provide the service at a reasonable rate, you know, and, you know, let them have the cash that they need in their business. Yeah,   Michael Hingson ** 44:01 because that's what it's really about. Well, you mentioned that you have a podcast, I'd love to hear more about that.   Candy Messer ** 44:09 Sure. Well, just like I never intended to be a business owner. I'm not sure if I actually said that in this interview, but I never intended to be a business owner. It just kind of happened. I never intended to be a podcaster what happened was teach ya. Right. Someone saw what I was sharing on LinkedIn. So I would, you know, post an article or things weekly, and of course, just general posts through other social media things that I was sharing, and she said, I think your content would make a great show. And I was like, huh, like, that's a scary thing. I'm actually an introvert. I'm shy and so like, at the time, too, that was a live show for an hour. I was like, am I going to know what to say? Am I going to know what to do? Who am I going to interview? I don't really know if I I'm going to be good at that. But then I just thought, you know what, why not try it, like, what's the worst that could happen? Right? And so I was with them for about 15 months. So I signed up. Before the pandemic, I signed up in 2019. So I went about 15 months. But then at that point, too, it was like, I want to be wise as well, with my business finances, we still don't know what's going on. And I can kind of cut back on that expense, do it myself, and my husband had been telling me, I should do it myself anyway, because then I could also be on YouTube, he's like, people search YouTube, you could post your videos there. And so in 2020, we did convert to doing it on our own and, you know, doing it through YouTube, as well as putting it to the podcast platforms. And I actually, a couple weeks ago, maybe or just recently just aired my 200 and 50th episode, I've recorded more, because we record a little bit in advance. But we've now put out 250 episodes, which I'm excited about that. And the goal was for me, educate business owners to help them be successful, because I see too many people who don't know what they're supposed to do until after they get a notice even like you are supposed to have a business license, you are supposed to have paid estimated tax payments, you are supposed to have collected and paid sales tax, and then they get these notices with penalties. And a lot of businesses started even in the pandemic because someone lost a job or they had free time. And now they could start a business. And they had a hobby, they had an interest, but then they didn't understand like all of the things about having capital, you know, understanding profit versus cashflow. Like there's things that they just didn't know. And so many businesses have failed. And I don't want to see that happen. So I interview experts, we don't talk just finance, you know, by the interview experts in the vast array of topics, to educate entrepreneurs. So if they need help with, you know, sales, understanding what they can do, to put together a presentation, you know, for a potential client, or maybe they need human resources assistance, or maybe they need to understand what they should have in a contract. You know, what are the types of things that business owners should know? Because most of the time, we're solopreneurs doing it all ourselves? And we don't know what we don't know. So that's kind of why I still do my podcasting is really just talking with people to educate those entrepreneurs so that they get the information that they need to apply it to their business.   Michael Hingson ** 47:46 What are some of the most common things that you discover people don't know about doing a business that you advise people about on the podcast or whatever?   Candy Messer ** 47:56 Sure. So again, like just on the podcast, we'll just talk about, again, any kind of thing that will affect the business. So whether it's on a legal topic, a marketing topic, finance, so what I started doing, because at first, I was always interviewing other people, and I never really even talked about what I did in my industry. And finally, I was like, well, I should be also sharing tips. So I'll now just talk sometimes about a topic. But like, recently, I talked about household employees, you are supposed to have them on payroll, if you have someone like a nanny, or if you have, like in home care for a family member, you're not really supposed to do them as independent contractors. And depending on the state that you're in, there could be some really harsh penalties as well. I mean, the IRS does have guidelines too. But some of the states are even more strict in California is one of them. Like if, in your business, you are paying someone to do the work that drives your business revenue, they are an employee. Right. According to California, there have been a few cases. And there's been a few exceptions. But in general, you know, if you're a website developer and you pay someone to create websites, you are not supposed to issue a 10 a nine to them, you're supposed to put them on payroll. That's one of the big things that people still don't know is they just think, Oh, it's just easier to pay someone I'll just write them a $500 check every you know, however, often I'm supposed to pay them and they can handle the taxes. And if something happens, and you know, it's great when everything's fine and dandy, and you're on a great relationship, but what if something happens, and now there's some type of Fallout, that person no longer works for you and then they go file for unemployment. Now you're going to be audited, you potentially are going to pay for all of the staff that you have. So we had someone that came to us. I think it was about two or three years ago, that they had been paying everyone as independent contractors. One person left the company filed an unemployment claim. And then the state agency came in and said, Oh, you had all of these people, you were supposed to have paid as an independent contractor you that you paid as independent contractors, you should have paid us employees, and now we're going to penalize you this much. And it was a pretty stiff penalty. And the lady was like, Well, I didn't know. But the government doesn't care that you didn't know, they say you should have known. So that's one of the big things that I see is people really just don't know, you should be putting someone on a W two and not paying them as an independent contractor. I had someone come to me once to that, when I was talking with her and wanting to go through kind of the compliance checklist. And I asked her, do you have a business license? And she said, Oh, I don't need a business license, I have a DBA. Those are two distinctly different things. And so I think a lot of times, there's just a lot of confusion around what do you need for your city? What do you need for your county? What do you need for your state? What do you need federally. And so that's where a lot of mistakes happen. And penalties arise, because someone just didn't know what they didn't know. And if you would have done something on time, you wouldn't have had the penalty, but now, it's too late. And now you have to pay this extra fine.   Michael Hingson ** 51:28 Well, we have my know, personally, worked very hard to have a good accounting group that helps us with taxes and helps us with everything relating to the business and I never have any qualms about calling and asking, are we doing this the right way? And I agree with you that, you know, I I know what I don't know, which is a whole lot. Okay, that's fine, as long as I can deal with someone and reach out to someone who does know. And I think that's really the important, the important part about the process, we we shouldn't make assumptions, because there are just too many ways that we mess up and don't necessarily understand it. And so I hear what you're saying?   Candy Messer ** 52:13 Well, I think that's where it's important to understand the value of working with professionals, right, having an actual CPA that could help you with tax prep, instead of just going to h&r block, or you know, some of those others, where you're not going to even have a relationship with that tax preparer. A lot of times they turn over so fast. Every year, there's someone new, but the person who helped you in the past isn't even there doesn't know your specific business, you know, or a financial planner, working with them to figure out what should you be doing, planning for things now for your future, whether it's just your business, your personal, everything kind of commingles a lot of that too, but really seeing the value of what you're getting from working with someone. So it's the same thing with us, if someone just sees us as like transactional, we're just going to post some things and they're going to be able to go to the CPA, that's not as great of a relationship that we want to have, as much as we want to be an advisor, we want to be able to help you understand your finances, what can you do to make improvements to improve your cash flow, like have better profitability? You know, but a lot of times people see, like the dollar sign, and they're like, oh, but you know, the computer shouldn't be doing everything, why would I pay you this much, right? And the computer doesn't do everything. That's, you know, not a fact. But, but some people just see it as a commodity, because they have to pay their taxes, somebody has to do the income tax returns, so they have to have a CPA, and then they need someone like us to do the bookkeeping, so the CPA knows what to put on the tax return. But if you don't see that as an investment in your company, you're going to want to pay the least amount, you're gonna want to have the least interaction with them as possible, right, and you get what you pay for a year. Right, exactly. And so I think that's one of the things we are trying to explain to people as well as ces as a resource, and let's work together in a partnership, not just a once a year, drop off your box, and you know, we'll post the things for you, or even if it's once a month, like look at the information that we send, but financial reports give you great information, and you can use it to make wise business decisions. If you don't even look at that. How do you know if you're doing well, just because you have money in the bank doesn't mean you're profitable. What if you, you know, got a loan or you got a grant or different things, right? That money's on income, right? And so your expenses could be more and if you're not making some adjustments, you could be in for a big surprise, you know, and so there's it's like that working together. How can we make things more efficient? What can we do to really have you be successful   Michael Hingson ** 54:59 and Those are all certainly important things. And I think that's really the key is that your job is in part to help make your clients successful.   Candy Messer ** 55:11 Right? It has to be part of it. Exactly. And like I said earlier, like too many businesses fail, often they don't have the capital they need, they don't realize, you know, you need to have more money to run the business than you think, especially when you're launching a business. A lot of times, people don't realize everything that it takes, you know, to be able to run a company. Now, if you have a service based business, especially if you're working from home, you're not going to have as much overhead, right? If you're going to try to sell a product, if you have an actual location that you know, you have your overhead rent and utilities, and you know, all of that, then it's going to cost you more. But I usually tell people, if you're going to be running your business, and you're coming up with your budget and your estimates, first go ahead and create, what do I think I'm going to make? What do I think my expenses are going to be? And then reduce your income and increase your expenses? Right? And then that may be a more realistic picture. And it actually is the income is more than you thought, fabulous. If the expenses are less than you put on your budget. Wonderful, right? You have more available to you that you can then invest into your business again, or you know, put away for those unexpected things that happen because we all have unexpected things that happen that you want to have that rainy day funds set aside.   Michael Hingson ** 56:36 Yep, absolutely do. And it's important to do that, because you just never know what's going to happen. Right? So what do you do when you're not doing business stuff and being an entrepreneur?   Candy Messer ** 56:49 Well, like I said, now that I am close to family here to in Tennessee, I love to spend time with my grandchildren. Like I said, I'm about to have a third within the next couple of weeks. And so again, I'll be helping as much as I can. Because it's never easy to have a newborn, let alone when you have toddlers and children. My daughter will now have three children four and under. So she's gonna have her hands full. When I'm here, I've actually been learning some gardening I didn't get to do too much ever really in California. I mean, when I lived in St. Pete, Georgia, we had a little bit of space, but not much. But other than that I never really had a place to really plant and so I'm trying some things last year, I actually did really well with some squash, spaghetti squash, I mean, spaghetti squash, I didn't even tend actually had started like a compost and then threw some seeds in there and the seeds like just took off and I ended up with nine spaghetti squash without even intending to. But we had grown some jalapenos, although my husband said they weren't hot enough. He said they're too mild throw those seeds out. For next year, let's get hotter ones. But so you know Cilantro is doing well or oregano is doing well. So I've had some success. And then this year, I'm also working on a few new vegetables. So so that part has been fun. And you know, we see what works, what doesn't and learn from it. And then when I'm indoors, I do love to read or I crochet I make gifts. A lot of times for people if I know they're having a baby or something to me like a baby blanket, or like a beanie and booties and a pacifier clip, or you know just different things. So when I have the chance, I will put that together and give that as a gift. But those are kind of the things I enjoy. I wish we   Michael Hingson ** 58:41 could do more growing up trees up here. Like I'd love to grow a peach tree and some of those things, but we live up on the high desert and so it just doesn't work for the biggest reason is it gets too cold in the winter. We don't get the snow, but we get the cold.   Candy Messer ** 58:59 We have cold here too. But we were told that certain things will do well, so we actually planted last year and we were told it will take two to three years to really see fruit. But last year we planted apple trees and this is the thing it's like you have to have some that pollinate each other. Right. So this one pollinates this one but doesn't pollinate this one. So we had to get like a Macintosh that will pollinate these other two, you know that we got and then we did get a peach a plum persimmon and cherry as well. So we'll see. And now we have a lemon two, which, again, we're told citrus doesn't do well when it gets really cold. But then we've been told here that it still will work. And so last year, we bought a lemon tree but we brought it inside. We left it in the bucket. We brought it inside during the winter, but it's continuing to grow. So about three weeks ago we planted it outside. We'll see. We'll see what we have to do to protect it but we're going to try   Michael Hingson ** 59:54 one of the things that we did we had a lemon tree and I guess a lime tree When we lived in Mission Viejo, and it got cold enough, that some times during the winter, we put put a plastic bag over, we kept them in a bucket, we would just put a plastic bag over it. And that was enough insulation. So the tree survived. Interesting. We just did it at night and then took it off. But well, this has been absolutely fun to do. And I really appreciate you coming on. Do you have any other kind of final words of wisdom that we should pass on to folks?   Candy Messer ** 1:00:30 I would just say whether you are you know, a business owner or not really just look at your financial picture and plan for your future and see, you know, what can you reduce in your expenses that are not necessary, so many people will like, buy those subscriptions and forget about them or not use them, you know, so really just maybe audit your expenses, see where you could cut some things out that you're really not using and then Park put that money away into something that's going to grow over time? And then you know, you'll benefit from that.   Michael Hingson ** 1:01:05 Well, that is wonderful. And I really appreciate you saying that if people want to reach out to you how do they do that and and learn more about you and, and maybe engage your services?   Candy Messer ** 1:01:17 Sure, well, I would, I'll go ahead and say for my podcast again, you can find that it's called biz help for you.   Michael Hingson ** 1:01:23 Bi is B I Z   Candy Messer ** 1:01:27 for you help. And then four is spelled out f o r you are but F O R. So this help for you on YouTube. You can also find it on many podcast platforms. And then my website is AB and P.com. Or if you want to type out the full thing affordable bookkeeping and payroll.com. But you can find out a little bit more about us there. And of course, I'm on social media, you can find me on LinkedIn. I do have a business Facebook page as well. But like I do a lot on LinkedIn too. So you can connect with me there Candy Messer, and I would love to just connect more with people who have some questions are willing to be here as a resource,   Michael Hingson ** 1:02:09 ABandP.com as the and the and sign or a n d   Candy Messer ** 1:02:13 it's a n d so it's

MDJ  Script/ Top Stories for June 1st Thursday Publish Date: May 31 Wednesday   Commercial:  Henssler :15 updated ,  Bed Music fires   From the Henssler Financial Studio, Welcome to the Marietta Daily Journal Podcast    Today is Thursday June the 1st and happy 86th birthday to actor Morgan Freeman ***Get busy*** I'm Dan Radcliffe and here are the top stories Cobb is talking about, presented by Credit Union of Georgia Cobb police charge runaway juveniles with stealing car Cobb County jail begins offering GED And a Marietta 4-year-old drowns over Memorial Day weekend  Plus, PPlus, we'll talk with Leah McGrath of Ingles Markets about healthy dinner ideas All of this and more is coming up on the Marietta Daily Journal Podcast.   Commercial : CU of GA   STORY 1 Car   Three suspects, who were reported as runaway juveniles, have been arrested by the Cobb County Police Department for stealing a vehicle near Bentley and Windy Hill roads. The suspects led the police on a chase but eventually crashed the vehicle. One suspect dropped a gun while fleeing, and officers were able to locate and apprehend him. Another suspect was pursued by an officer but managed to escape. Three guns were recovered during the incident. The other two suspects were found at a hotel after surveillance and were taken into custody with the assistance of the Violent Crime Bureau....check in at mdjonline.com for updates on this story.   Story 2: ged   The Cobb County Adult Detention Center has implemented an on-site high school equivalency diploma program for detainees, eliminating the need for transportation to other jails for testing. The program aims to reduce costs and provide a familiar environment for the detainees. Capt. Yaminah Holt, overseeing jail programming, expressed excitement about the program and announced that one detainee had already passed the first on-site GED test. The initiative is a partnership between the Cobb County Sheriff's Office, CobbWorks, and the Cobb County School District. The program aligns with Sheriff Owens' commitment to helping detainees maximize their time in custody and increase their productivity upon release.     Story 3: drowns   A tragic incident occurred in Lizella, Georgia, where a four-year-old boy from Marietta drowned in a pool during a gathering at a neighborhood home. The child, identified as Viraat Gosain, wandered off and fell into the pool. Paramedics rushed him to a nearby emergency room, but he was pronounced dead shortly after 3 p.m. Lonnie Miley, deputy coroner, stated that it appears to be an accidental drowning. As the death involved a child, authorities are likely to schedule an autopsy. Viraat would have celebrated his fifth birthday on Thursday. The incident is a heartbreaking reminder of the importance of water safety, especially around young children     STORY 4: abwa   During their May meeting at the Marietta Conference Center, the Marietta Charter Chapter of the American Business Women's Association awarded scholarships to Abi Halls and Abby White. Both recipients are Georgia Tech students, with White pursuing a Masters degree in Architecture and Halls studying Civil Engineering with a focus on Supply Chain. The Marietta Charter Chapter has been actively supporting Cobb County for over 50 years by granting annual scholarships to deserving women and acknowledging outstanding business leaders who make a positive impact on women in the community. ….we'll have more in a moment:     Break:   ESOG– Dayco   STORY 5: b to b   Cobb Schools have achieved back-to-back national championships by raising over $770,000 for the American Heart Association (AHA) during the school year. This amount broke the 44-year record for AHA fundraising campaigns. Cobb County School District surpassed the second-place district by over a quarter-million dollars. Mountain View Elementary and King Springs Elementary were the top-raising schools in Cobb, contributing $57,971 and $57,210, respectively. The funds raised support the AHA's research and outreach programs aimed at addressing high blood pressure, CPR education, nutrition security, tobacco, and the youth vaping crisis. The AHA's Kids Heart Challenge engages elementary students in physical activities to raise awareness and funds for heart disease research, while middle and high school students participate in the American Heart Challenge. Nationwide, districts have raised over $58 million through these programs this year....for more on this story visit mdjonline.com   Story 6: P.O.Y.   Crystal Henderson, senior guard for Kell High School, became the most decorated player in the program's history by leading the team to the Class AAAAA state championship. As a result of her exceptional season, Henderson was named the 2022-23 Cobb County Girls Basketball Player of the Year. She averaged 25.4 points, 5 rebounds, 5 assists, and 3 steals per game. Henderson received first-team all-state honors and the Class AAAAA Player of the Year award. She surpassed 2,000 career points, becoming the all-time leading scorer in Kell basketball history. Henderson's No. 30 jersey was retired alongside her brother's No. 0. Winning the state title was the most cherished accomplishment for Henderson, who scored 29 points in the championship game.   Story 7:  C.O.Y.   Kandra Bailey, the head coach of the Kell High School girls basketball team, was named the 2022-23 Cobb County Girls Basketball Coach of the Year after leading the team to a 26-5 record and their first-ever Class AAAAA state championship. Bailey took over the program in the previous season and motivated her players to seek redemption after a loss in the state semifinals. She challenged the team with a tough non-region schedule, and despite some setbacks and injuries, the players adapted and learned from their experiences. With Crystal Henderson leading the scoring and other players stepping up, Kell dominated the competition and captured the state title.   Back with more after this.   Break  Drake – Ingles 3 – Elon?   And now, Leah McGrath of Ingles Markets talks with our own Bruce Jenkins about healthy dinner ideas  ***Leah*** We'll be back with closing thoughts after this Henssler 60 Signoff- use same bed as open Thanks again for hanging out with us on today's Marietta Daily Journal podcast. Read more about all our stories, and get other great content at MDJonline.com. Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about your community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. www.mdjonline.com www.henssler.com www.cuofga.com www.esogrepair.com www.daycosystems.com www.elonsalon.com www.drakerealty.com www.ingles-markets.com  See omnystudio.com/listener for privacy information.

We've all worked in a place with a toxic work culture, and we all know how horrible it can be so this week I welcome Mary Ceccanese, Owner and Principal Consultant at  Dynamic Connections LLC (https://www.dynamicconnectionsllc.com) to tell us about some of the research and action step she helps managers take in order to create a workplace with increased engagement and employee retention!  Somewhere where employees can thrive!We talk aboutThe value of a positive workplace from a research perspectiveHow to build high quality connectionsThe importance of employees feeling valued not just for their accomplishmentsWant more from Mary?  Here are some links.https://www.dynamicconnectionsllc.com https://www.linkedin.com/in/mary-ceccanese-4b712a5/ And here are those cool cards I mentioned at the end of the episode.  https://dynamicconnectionsllc.com/hqccards/Mary Ceccanese is the owner and principal consultant of Dynamic Connections LLC. Celebrating more than fifteen years of presenting interactive seminars and workshops to all levels of staff in both for-profit and non-profit organizations, she engages attendees with research-based practices applied to work-life scenarios. Mary was one of the 2019 “Top Ten Business Women” in the country of the American Business Women's Association (ABWA). She is currently the District V Vice President in ABWA. 

Liz (MamaLizTM) Franklin is an author, public speaker, and TV Host of The MamaLizTM Show from Knoxville, Tennessee, in the United States. She is a former financial planner who now dedicates her life to empowering children and teens to greatness through books, workshops, and speaking events. With a background in business and entrepreneurship, Author and Motivational Speaker Elizabeth (Liz) Franklin has invested her time, talents, prayer, and love into young people for over thirty years. Through powerful time management and success skills, she empowers children, teens, and college students to find their talents, build their future, and pursue their dreams right now. She heads A Million Dreams for Kids and Teens Foundation, a non-profit to foster initiatives for children and teens worldwide. Liz has served as an ambassador for The Top Person and an ambassador and contributing author for magazines POWER TALKS WITH ARCHANNA and POWER KIDS WITH ARCHANNA in India. Bombay Stock Exchange Business Forum Magazine featured MamaLizTM for her free COVID children's book for India and NTI World Magazine in Dubai and COE (Credentials of Entrepreneurs) Magazine and a Dettol Salutes. In addition, Indian blogger Kanchan Choudhary featured MamaLizTM in an article in SMILE TO SHINE on American Business Women's Day, 2021, and served as a guest speaker and panelist for Global Talent Awards in Dubai, United Arab Emirates. Liz has been recognized in Who's Who of   America's Top 2000 Women World's Who's Who of Women Who's Who of Professional and Business Women Notable American Women Five Hundred Leaders of Influence Who's Who in the South and Southeast Cambridge Who's Who She has been a guest speaker for the State of Tennessee Optimist Club, the Spirit of the American Woman and has appeared on PBS. She has served as guest speaker for: Josh Talks Spirit of the American Woman Global Talent Awards UAE State of Tennessee Optimist Club Inspire Radio UK Good Radio NYC PBS and numerous other radio, tv, and podcast programs worldwide.   #Podcast #CoachMJTolan #tolanbrothers #Mamalizfranklin #Youngpeople  #Inspiringstories  #Vilmamantilla #Liveshow #Writer #Author #Linkedin #Italy #ViralBooks #children #Rolemodel #Leadership #Heroes 

Hello, Im Moni  Jefferson, your host for the Owning Up podcast.    It's officially PCS season! Check out our PCS season to get you organized and ready to move your business.    May 4th Facebook Live pm EST, join our CEO and Founder, Moni Jefferson, for our monthly Facebook Live. This is when we share everything that is going on at AMSE.   Following the Facebook Live at 1:30 pm EST is our monthly AMSE Launchpad. If you're unsure about being an AMSE member, this is the perfect event to show your AMSE membership love! It's for every level of membership.       Our first Masterclass of the month is on May 9th at 1:30 pm EST. Join Maria Duron, Fractional CMO/ Grow with Google Certified Trainer. Maria Elena Duron is a digital marketing professional with more than 18 years of experience in all aspects of digital initiatives for start-ups and all-sized businesses. She has over a dozen years of active experience in international eCommerce. Her expertise was awarded by the Texas Governor's office with the Excellence in Small Business Award and Person of Vision award for the State of Texas. She is recognized by the Grow with Google Program and commissioned to speak professionally for Google. She will be teaching on Get Your Local Business on Google Search and Maps.    May 10th at 10  am EST What tha brew? With our hostesses with the mostess Selana  Conmackie and Anna Larson  Milspouse life convos! You want to sign up and set reminders. it's the best virtual water cooler chat there is! So bring yourself and your mug, and sign in to chat with other members about life, business, and more!     May 16th at 1:30 pm EST Masterclass with Maria Duron, Fractional CMO/ Grow with Google Certified Trainer she will be helping us the  Learn the Basics of Google Ads   May 18th is our Virtual Coworking space. Get together with other military spouse business owners to network, collaborate, and get feedback on ideas you may be kicking around this year. This is guaranteed to be helpful in more ways than one! So sign up on your AMSE Dashboard today!    Group Coaching on May 23 at 1:30 pm EST. Moniek James a content strategist expert Moniek James is a veteran, military spouse, speaker, author, columnist, online serial entrepreneur and founder of Renegade Creative Media Group. Her passion is teaching business owners and brands how to leverage content marketing to deliver their genius to the world.Moniek has been trusted and hired by organizations and associations like the Small Business Development Center, SCORE, TENWEST Impact Festival, and the American Business Women's Association to train small business owners and entrepreneurs on establishing & expanding their digital footprints.   We love how our listeners support the mission of AMSE and the Owning Up podcast. As we continue to grow, advocate, and support military spouse entrepreneurs, we wanted to offer that same chance to you, our listeners. For only $5 - you can increase our reach within our community - locally, nationally, and globally. Visit Glow.fm/owningup to become an Owning Up supporter today!    Remember, your GovX verified AMSE Member dashboard has all you need to register for events, connect with other members, and share your wins! You can find all you need to start, grow, and sustain your business!    If you're new to Owning Up, make sure to subscribe to know when a new episode drops. You can also join our Facebook group to see what other milspouse entrepreneurs are up to and receive the latest AMSE news. If you're a milspouse with a business or are thinking of starting one, join us here at AMSE Membership. As always, check out our previous episodes for encouragement, connection, and information.    We'd love to have you join our fantastic community! Follow us on Twitter, Instagram, LinkedIn, and Facebook. Follow Moni Jefferson on Instagram. Visit our website to become a member: AMSE Email us at hello@amseagency.com

Laura Morlando The Stress Commando helps professionals and businesses Network Stress-Free, Work Stress-Free, and Look Stress-Free so they can be more effective and confident. She is the Founder and CEO of Down and Dirty Networking helping professionals and entrepreneurs Coelevate, Collaborate, and Connect. After going from top-tier corporate professional to successful entrepreneur due to her Dad's Cancer illness, Laura pivoted her business 100% to the virtual space due to an Auto-Immune and Lyme diagnosis. She knows the impact of stress and isolation on productivity and the importance of community for workers, entrepreneurs, and businesses to thrive. She's trained over 150,000 people over the last 19 years and worked with dozens of notable people and organizations including the United States Federal Reserve Banks, The American Heart Association, and Lockheed Martin. She's spoken on stages such as The University of Texas at Dallas, The American Business Women's Association, and KLTY Business Social DFW and has been interviewed on Womanars, The Jeff Crilley Show, and Authority Magazine among other notable outlets. https://linktr.ee/stresscommando https://stresscommando.com/ Empower Your Voice is a podcast and YouTube show that helps people get to the bottom of what is stopping them from using their voice to the fullest, whether on the stage, the boardroom, or in their personal lives. I'm Nancy Bos, a vocologist, speaker, and author. I help people live their best life.  I LOVE to speak to groups about the power of personal narratives. Visit my Speakers Page to learn more about me talking to your company or group. I'm proud to say others have described me as “very inspiring and entertaining.” My blog archive is here. Enjoy! I hope you find them to be inspiring and give you new insights. Here's my socials: Facebook, Twitter, and LinkedIn Thank you!! Nancy

“You are the masterpiece of your own life,you are the Michalangeloof your own life.The David that you are sculpting is you,and you do it with your thoughts.” – Joe VitaleDr. Joe Vitale has a communication style that grabs you and sucks you in. His charismatic and hypnotic pull makes him a great communicator and marketer. Current president of Hypnotic Marketing, Inc, a marketing consulting firm, he has been called “the Buddha of the Internet” for his combination of spirituality and marketing acumen.He was recently featured on the best-selling program, The Secret, teaching people how to have, do, or be anything they want and to achieve their goals in every single area of life.Joe's incredible story of using the Law of Attraction in his own life is an inspiration to thousands. 30 years ago, he was broke, desperate and living on the street. Through a series of odd “coincidences,” he found his inner calling and has gone on to great fame and success. He has shared his knowledge and discoveries through several best-selling audio programs. Joe Vitale has become one of the top copywriters in the world, and one of the most successful, respected marketers in world.Joe Vitale takes complex issues of psychology and makes them easy to understand and apply to your life. Combining real, practical life wisdom with unique insight to truly understand yourself, he gives you tools to open new opportunities and possibilities in your life.Among some of Joe's clients are Doubleday Books, the American Business Women's Association, Hermann Children's Hospital, PBS Television, the American Red Cross, and many other small and large businesses in many countries. Become a member at https://plus.acast.com/s/unimpressedpodcast. https://plus.acast.com/s/unimpressedpodcast. Hosted on Acast. See acast.com/privacy for more information.

Ashley Conrad chats with ladies from the American Business Women's Association about their upcoming Mardi Gras event and then she and Brittany Boll talk about an idea to build a sports complex in Quincy.

When you sit silently, you get overlooked, and you get passed over.  Your true value is no longer your perceived value.  Ugh.  Frustrating.  You have to make sure you are being seen and heard so your value can be showcased and shine. It doesn't have to be complicated and the good news is your fate and future are more in your control than you think.  Hey everyone, Laura Morlando joins us on today's episode of The Mary Guirovich Show to tackle the importance of community and networking to have meaningful conversations to thrive and grow stress-free as a business professional and entrepreneur. Including the importance of having courageous conversations to get that promotion. Dive in to learn about courageous conversations to co-elevate, collaborate, and connect.   In Today's Episode, We Discuss:   Meet today's guest, Laura Morlando  [1:32] How did the Down and Dirty Networking start? [03:06] Why is it important for women to have a courageous conversation? [5:08] The internal courageous conversation [6:12] How did Laura find the courage to pivot successfully in her career [10:51] The power of being grateful [17:46] Laura's sharing her courageous conversation [21:52] The best solution to get that promotion [24:49] Why you need to face that courageous conversation [31:41] Strategy for people to nurture their professional relationships [37:08] A short story of Laura helping connections [39:15] The biggest lesson that Laura learned in her career regarding health [43:16] Laura's advice to get to that courageous point of your career [55:28] Connect with Laura Morlando Email Linktree  Connect with Mary Guirovich  Email Facebook  LinkedIn  Instagram Twitter  YouTube Resources Mentioned: Boost Your Confidence and Get That Promotion Cheatsheet Follow & Review on Apple Podcasts Are you following my podcast? If you're not, I want to encourage you to do that today so you don't miss any future episodes! I would also appreciate it if you would leave me a review on Apple Podcasts or Spotify! I read each of them, and they help me make sure I am providing the content that you love to hear!  Laura Morlando Bio: Laura Morlando The Stress Commando helps professionals and businesses Network Stress-Free, Work Stress-Free, and Look Stress-Free so they can be more effective and confident. She is the Founder and CEO of Down and Dirty Networking helping professionals and entrepreneurs Coelevate, Collaborate and Connect. After going from top-tier corporate professional to successful entrepreneur due to her Dad's Cancer illness, Laura then pivoted her business 100% to the virtual space due to an Auto-Immune and Lyme diagnosis. She knows the importance of community and networking to have meaningful conversations to thrive and grow stress-free as a business professional and entrepreneur. She's trained over 150,000 people over the last 17 years and worked with dozens of notable people and organizations including the United States Federal Reserve Banks, The American Heart Association, and Lockheed Martin. She's spoken on stages such as The University of Texas at Dallas, The American Business Women's Association, and KLTY Business Social DFW and has been interviewed on Womanars, The Jeff Crilley Show, and The Deep Rooted Bliss Podcast among other notable outlets.

Randi celebrates American Business Women's Day with  Moira Forbes,Executive Vice President at Forbes and President and Publisher of ForbesWomen; Jill Zarin, a veteran of the TV show Real Housewives of New York, and Founder of Jill & Ally and Jill Zarin Home; Bestselling Author and Financial Guru Suze Orman; Mandela Schumacher-Hodge Dixon, CEO of All Raise;  and Dr. Maisha Gray-Diggs, Vice President of Global Talent Acquisition at Eventbrite.

How do we free people to be their brilliant selves at work? For one, we need to make sure their most pressing needs are addressed. For working parents of young children, foremost on the mind is quality (and affordable) daycare. Have you encountered issues with daycare? Today on Conflict Managed, Marsh Naidoo talks to us of her journey (so far) of being a working mom raising a child with special needs. She is the founder and host of RaisingKellan, a podcast to empower and educate parents raising children with disabilities and developmental delays.  Listen as Marsh recounts a wonderful work environment she calls the “golden moment,” and the importance of being transparent with workers about pay and career pathways within organizations. Marsh Naidoo is a physical therapist with 25 years of experience. She is a graduate of the University of KwaZulu (South Africa) and was recruited as a travel physical therapist to the US in 1997 where she worked in a variety of clinical settings. She is a board member of Healing Horses, Inc. A PATH-certified therapeutic horsemanship center in Dyersburg, Tennessee, member of the American Physical Therapy Association and the American Business Women's Association.  In March 2020 Marsh founded Teletherapy Services, a hybrid boutique physical therapy service that offers in-person or virtual care. Marsh Founded Raising Kellan, Inc, a nonprofit that provides a digital platform to empower and educate parents raising children with developmental delays or disabilities http://www.raisingkellan.org. She is the author of the book: "What I Wish I Knew Back Then." You can find Marsh Naidoo online at https://www.facebook.com/raisingkellan.org Conflict Managed is hosted by Merry Brown and produced by Third Party Workplace Conflict Restoration Services. Contact us at 3PConflictRestoration@gmail.com. Our music is courtesy of Dove Pilot.

Mike Finney with Neighborhood Solar is back with Host Robin McCoy to educate us on the value of solar power on real estate today. First, let's understand how solar works, what it does, and what it doesn't do. It comes down to the math. Neighborhood Solar's business model helps Mike work through the details of the way money and energy works for each home and geolocation. Can you get ahead and store energy due to overproduction? What happens then? Talk with Mike! Connect with him on his Facebook page  or go to his website Neighborhood-Solar.com to get your questions answered.Brought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJohn Chester, Music TherapyTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.Support the show

Do you ever feel stuck in your career? Have you prepared yourself to be able to see the opportunities around you? Today on Conflict Managed we are joined by Judy Long, President and Chief Operating Officer of First Citizens National Bank, representing 25 Tennessee locations and $2.4 billion in assets.  Judy has been a part of the FirstCNB team since 1974, with 48 years of service to her bank, community and industry. Listen as Judy talks about the power of mentors, confidence, and strong support systems. She encourages us to do work that is “beneficial for all concerned,” commit to long-term goals, to consider the difference in attitude between thinking of what you do at work as either a job or a career, and to hold conversations about mistakes and conflicts with (preferably) open minds. Judy ends our conversation discussing the impactful work of the “Smart Women” program and her vision for healthy work environments.   Judy Long holds a Bachelor of Science from Union University, Jackson, TN with a major in Finance and is a graduate of MidSouth School of Banking, the School for Bank Administration and BAI Graduate School of Bank Operations and Technology.  Judy has served on numerous boards, both locally and nationally.  Her most recent service is American Bankers Association Community Bank Advisory Board representing Tennessee Banks; CEO Strategic Planning Advisory Council for Fidelity National Information Systems, Inc.; Foundation Board of Dyersburg State Community College; COVID-19 Community Advisory Council; Chairperson for Dyersburg State Community College “Legacy for Learning” campaign; and Foundation Board for West Tennessee Healthcare.  She served more than 20 years on the Southern Financial Exchange Regional Payments Board, serving as chairman of the board, among other official offices.  She completed service on the NACHA (National ACH Association) board representing banks in the Southeast Region of the U.S.  Judy is an advocate of Tennessee Bankers Association and has served on many committees. Long has received numerous honors throughout her career. She has been recognized as Dyersburg Dyer County Distinguished Woman of the Year, Girl Scouts Heart of the South Woman of Distinction, and as one of the Top 20 Women in West Tennessee as a recipient of the Sterling Award. She has been recognized as American Business Women's Association Woman of the Year and the National Star Award for her service as the National Ways and Means Chairperson. She has been named a Paul Harris Fellow by her Rotary Club and was named “Benefactor” by the Rotary Foundation of Rotary International. Her service to Dyersburg State Community College was acknowledged with the Outstanding Alumni Award. Long, a strong advocate for financial education for women, spearheaded “Smart Women”, a financial literacy program designed to educate and empower women to feel confident making difficult financial decisions. The program has educated thousands of women across Tennessee through both live and virtual events. Visit www.FirstCNB.com/SmartWomen to learn more about this program. Judy and her husband Roger reside in Dyer County, Tennessee.  They have been married for 48 years.  Roger is the owner/operator of Long Farms Partners, LLC. There are many ways to reach out to Judy Long online: Twitter: @judylong64 and @FirstCNB Facebook: @judy.long.7315 and @FirstCNB LinkedIn: www.linkedin.com/in/judy-long-1a289913 and @FirstCNB Instagram: @judylong54 and @FirstCNB          Conflict Managed is hosted by Merry Brown and produced by Third Party Workplace Conflict Restoration Services. Contact us at 3PConflictRestoration@gmail.com. Our music is courtesy of Dove Pilot.

Host Robin McCoy talks with Mike Finney with Neighborhood Solar to mesh out the pros & cons of residential solar energy. Is solar an advantage? Or is it a hindrance to the sale of your home? This conversation will open your eyes and give you a better idea of whether or not solar is for you. Mike started in the business after looking for his own solar options and since has become a trusted advisor to Realtors, offering brokerage services instead of representing one particular company. It's important to get the right fit for your needs and your home. Go to Neighborhood-solar.com for more information, Neighborhood-Solar on Facebook, or call 940-331-8092 and ask for Mike or Amanda. Brought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJohn Chester, Music TherapyTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.Support the show

In this episode Host, Realtor and Tribe-Builder Robin McCoy talks with long-time friend Rebecca Dollinger. Rebecca LOVES words, and as a creative copywriter, she gets to tell stories that allow people to experience fashion before they view images. To work with Rebecca Dollinger, sponsor and guest information, email tailored2you@rebeccastylewriter.com, or call 214-729-6307.Brought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJohn Chester, Music TherapyTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.Support the show

Host Robin McCoy talks with fellow podcaster and best-selling author John Chester as she continues to help us use what we already have to get what we really want. Get your copy of John's latest book here: Itty Bitty Book of Positive Playlists.To work with John for your own playlist workshop, or to hire him to work with or speak with your group, go to IvorChester.com or call 214-606-8625.Brought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJohn Chester, Music TherapyTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.Support the show

On this episode of Investor Connect, Hall welcomes Candy Messer, President at Affordable Bookkeeping and Payroll, and Host of the Biz Help For You radio show. Affordable Bookkeeping and Payroll is different than other payroll services. They offer options to best suit the client's needs as well as schedule tax payments based on the tax filing schedule - according to the IRS' requirements - rather than debiting taxes when payroll is processed, giving clients access to their cash for longer. Affordable Bookkeeping and Payroll also bundles all typical tasks in the monthly fee, so clients always know what they will pay without any nickel and dime charges added in. And with bookkeeping and payroll services handled in one place, it's easy for entrepreneurs to have everything managed by one company, and all financial information can be provided to the business tax preparers each year. Affordable Bookkeeping and Payroll Services has built a strong reputation as one of Southern California's most trusted bookkeeping and payroll companies. Hard work, attention to detail, mutual respect for others, solid business practice, and high ethical standards have helped their company grow year over year. Biz Help for You is an education-based podcast that gives information to entrepreneurs offering tips for success in various areas including marketing, website design, budgeting, understanding information on financial reports, and more.  Candy is a profitability and growth advisor working with entrepreneurs in service-based industries to help them have successful businesses. With experience in the bookkeeping industry since 1998, Candy understands the stresses business owners face and offers customized services to meet their varying needs. Candy was named Woman of the Year for 2009-2010 by the Peninsula Chapter of the American Business Women's Association, and 2011 Entrepreneur Mom of the Year by Today's Innovative Woman magazine. In 2012, the El Camino College Foundation honored her as a Distinguished Alumni of the Year. Affordable Bookkeeping and Payroll was named 2016 Small Business of the Year by the Torrance Chamber and Intuit's (creator of QuickBooks software) 2016 Firm of the Future. Candy has been married since 1992 to her husband Garth and they have a son, daughter, son-in-law, and two grandsons. When not running her company, Candy enjoys reading, crocheting, logic puzzles, and spending time with friends and family. Visit Affordable Bookkeeping and Payroll at , and on Twitter at .   Listen to the Biz Help For You radio show at .  Reach out to Candy at , and on LinkedIn at . ___________________________________________________________________ For more episodes from Investor Connect, please visit the site at:    Check out our other podcasts here:   For Investors check out:   For Startups check out:   For eGuides check out:   For upcoming Events, check out    For Feedback please contact info@tencapital.group    Please , share, and leave a review. Music courtesy of .

Host Robin McCoy talks to local DFW roofer Grant Alexander, owner of Absolute Construction, and serving both residential and commercial clients. Enjoy this informative and entertaining conversation and get a better understanding of your home. To work with Absolute Construction, go to www.absolutedfw.net , call 469-964-2764 or email grant@absoluteteam.net Brought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJohn Chester, Music TherapyTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.Support the show

Top Real Estate Producer and Author Char Klisares joins Host Robin McCoy to talk about the CKRETFoundation, a domestic violence nonprofit. After being on top of her game for 5 years, Char found herself on a date that turned into a dangerous relationship under 30 days. The following 60 days were a nightmare of being stalked and threatened, and went as far as a malicious criminal charge that brought out the media circus that eventually put her out of business. This story is so bizarre you will need to hear it twice! Eventually the charges were dropped, but the damage required extensive rebuilding of her business. Her experience helped her see the holes in the system that she could work to solve. The CKRETFoundation became the purpose that fuels her daily passion to make a difference helping others navigate scary and intimidating circumstances surrounding domestic violence and stalking. "The truth will not set you free, you need to hire an attorney." ~ Char Klisares.Find Char on Facebook at https://Facebook.com/ckretfoundation, and search hashtags #janego #johngoBrought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJohn Chester, Music TherapyTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.Support the show

Christine Snyder is the founder of Snyder's Carpet Care, a top rated company in Dallas celebrating 20 years in business June of 2022.  Enjoy this heartwarming story of how her woman-owned business broke through a conventionally male-dominated field to build a trusted brand. Host Robin McCoy shares this valuable friendship with us, and continues showcasing the value of intentional 'tribe-building' as you grow your business, too. What challenges did she have to overcome? What mindsets did she have to get over? With the help of American Business Women's Association, both Robin and Christine have grown into the business women they knew they could be. Go to SnydersCarpetCare.com or call 972-898-3886 to talk with Christine.  To reach Women of Heart Investors, call 469-251-0802. Brought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJohn Chester, Music TherapyTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more. Support the show

Host Rick Rawson talks with David Roberts, The Vision Warrior,  and Podcast Host of Warriors VS Zombies on the BeeKonnected network. This episode is all about networking and referrals, and what makes a powerful connection that grows synergistically. What are people looking for that keeps them coming back to networking groups? According to David, it's about serving the people that show up. "That's your investment," says David. If you don't like the group or the person, over time, it just won't work. Great networking is about building relationships, and ideally, we want them to last as long as possible and grow because we get to know each other over time. It's like an organic search. Referrals come naturally when a person is well acquainted with others, so much so that it's natural to think of them when the opportunity presents itself. Between Rick Rawson's Power Groups and David Roberts Richardson/Plano Networkers - both meeting multiple times each week, you can get connected to the people who are weaving referrals into the framework of how they operate.To work with David, connect with him on his Facebook group, or subscribe to Warrior VS Zombie Podcast on Apple Podcasts.  Connect with him on LinkedIn here. To work with Rick Rawson, go to ExpanseLLCSocial5.com, or call 214-500-8448. Call to find out more about the events Rick is sharing in this episode! Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more. Click here for Power Group Allen on Spotify. More Business Topics Here:Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBusinessCoaching: https://bit.ly/BigIdeasSmallBusinessPodcastBrought to you by: Charisma Chapter of The American Business Women's AssociationOBBM Network Podcasts, OBBM Network Brands1st Safety Firearms Training, 214-808-9757Support the show (https://obbmdfw.locals.com)

Director of Administration Ashley Deaver and Executive Director/Lead Teacher Angela Stephens are back with another revelatory discussion about special needs education from 2-18, and workplace-ready clients on the autism spectrum. All the youth at It's A Sensory World Sensory Gym have a need for movement. This is called a 'sensory diet' and occupational therapists actually prescribe movements that help regulate their need for expression, providing a release for emotions and responses to stimulation. Every single child doesn't feel the same way every day. It's no different for children on the autism spectrum, but they need to learn how to express themselves. Movement is vital.  At It's a Sensory World, the focus is on preparation for community-based inclusion opportunities.  What do employers need to understand about workforce readiness, and how do we prepare to support this community through employment and mentorship? Listen in to get excited about the opportunities! It's A Sensory World believes parents shouldn't have to pay college tuition for their 3 year old, and strives to provide 20-40% of the tuition to attend these programs, which are available yearlong. Funding through sponsorships, monthly donations, and community partnerships makes these programs available for everyone who wants to explore this type of care. Teachers of the caliber necessary for this type of work are in high demand at It's a Sensory World. Listen in to learn how to support this amazing organization, and share this podcast with your friends.Contact:It's a Sensory World13617 Neutron RoadFarmers Branch, TX 75244Phone: (​972) 239-8100Map DirectionsWebsite: www.itsasensoryworld.orgEmail: info@itsasensoryworld.orgCharisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJunkluggers 630-470-8370Jenna Zebrowski, LawByJZ.com, 214-915-2501 Commercial Lease LawyerJus4UsNaturals, Natural Hair CareIvorChester.com, Music TherapySupport the show (https://obbmdfw.locals.com)

Your Voice Matters Podcast Host Rebecca Dollinger joins Michael Chavez for his first episode of The Michael Chavez Podcast: The Other Side of The Bed. How you start your day is super important, but so is your state of mind before you go to bed. We're programmed for negativity, and we can be so brutal to ourselves. Michael and Rebecca put emphasis on journaling in the morning and really getting clear about why they are experiencing their emotions. Rebecca calls it taking inventory of yourself, taking a step back to stop those negative thoughts and get your mind off yourself!Rebecca shares her story about recovering after the death of her mother, and developing strong professional relationships with the American Business Women's Association. Her advice for others? "You have to love yourself." Reach out to Rebecca at 214-729-6307, and find her on LinkedIn and Facebook. Subscribe to the Your Voice Matters Podcast on the OBBM Network Podcasts on Spotify here. Host Michael Chavez helps business owners get over their fears and procrastination through great conversations that unearth and expose thoughts and habits keeping us from achieving our goals. Don't stay stuck in self-doubt and uncertainty; don't let external circumstances stop you from becoming all you were meant to be.  To work with Michael, call 682-365-2078. The Michael Chavez Podcast is produced for the OBBM Network Podcasts and available on Spotify and all syndicated networks. Junkluggers of Grapevine, Irving, and Denton  630-470-8307IvorChester.com John Chester, Music Therapy OBBM Network Brands, Local DFW B2B Podcasts, TV, and AdvertisingSupport the show (https://obbmdfw.locals.com)

Host Robin McCoy is the spotlight for this episode, interviewed by OBBM Network's Susan Hamilton, about Robin's back story.  Starting out in Minnesota, New Hampshire, Tennessee and California - Robin ended up in Dallas. Social media helped her stay connected to her past relationships, and she became a master of connecting her 'tribe' to each other! Now she showcases the people she uses for her life in business every day through this podcast. What is Robin most proud of? After talking with her business coach, she realized she had been making excuses for not doing what she really wanted to do. Check out her amazing story of walking the Camino De Santiago in Spain, and what it brought out of her. Over two weeks, she walked 100 kilometers of the 30-day journey, injured herself, became disconnected from her group in a foreign land.  The moral of the story is 'take one step at a time into your future.' Stop worrying about stuff, just move forward! Brought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJohn Chester, Music TherapyTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.Support the show (https://obbmdfw.locals.com)

Introducing the It's A Sensory World Podcast, opening up the often misunderstood world of special needs youth. Hosts Ashley Deaver and Angela Stephens are passionate to promote inclusivity and preparedness for the highest degree of independence possible for children with all types of disabilities.  Angela Stephens is the co-founder and executive director of the local Farmer's Branch, Texas, sensory gym, discussing her vision behind It's A Sensory World back in 2006. As the first open concept sensory recreational gym in Texas to work with this population, Director of Administrtion Ashley Deaver, and the team at ISW, offer a wide array of preschool to 18 programs, and additional programs designed for young adults up to 24 years old. ISW offers seasonal camps, sensory curcuits, ISW Academy which includes preschool prep, and Interactive Kids Program which focuses on social skills training.  We serve children with special needs and their families with customized, sensory-based programs to maximize developmental potential leading to independence and inclusion.Care for this population is extremely expensive for parents. On average, it costs parents 1.4-2.4 million dollars to care for their children over their lifetime, well over the USDA average for neurotypical children averages $250,000.  It's A Sensory World believes parents shouldn't have to pay college tuition for their 3 year old, and strives to provide 20-40% of the tuition to attend these programs, which are available yearlong. Funding through sponsorships, monthly donations, and community partnerships makes these programs available for everyone who wants to explore this type of care. Teachers of the caliber necessary for this type of work are in high demand at It's a Sensory World. Listen in to learn how to support this amazing organization, and share this podcast with your friends!Contact:It's a Sensory World13617 Neutron RoadFarmers Branch, TX 75244Phone: (​972) 239-8100Map DirectionsWebsite: www.itsasensoryworld.orgEmail: info@itsasensoryworld.org Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsJunkluggers 630-470-8370Jenna Zebrowski, LawByJZ.com, 214-915-2501 Commercial Lease LawyerJus4UsNaturals, Natural Hair CareIvorChester.com, Music TherapySupport the show (https://obbmdfw.locals.com)

Todd Campbell Farmer's Insurance Agency is serving 99% of people that come to him with 99% of their business and personal insurance needs.  Enjoy this fun conversation between Todd and Host Robin McCoy that unearths the confusing world of risk management. Many people talk to their insurance agent like they would talk to a car salesman, shopping by price, without understanding what the real costs are. There's no way to reduce the price of insurance without reducing the protections. It's important to have an agent that is willing to tell you everything you need to know to make the right decision for your situation. Agents come free with the policy, so take advantage of having a consultant on your side! To work with Todd, call 214-420-7500, or direct message  Todd Campbell Agency on Instagram or Facebook, or check out his website here: https://agents.farmers.com/tx/dallas/todd-campbellTo work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.——————Listen to more on these business topics:Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBrought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsSupport the show (https://obbmdfw.locals.com)

There's more than one way to live a life, learn how with goddess, Natalie Schneider! Natalie is a life transitions coach, she works with people who want to change careers, as well as empty nesters, retirees and divorcees, and helps them move through these changes successfully. Natalie holds a certificate in Life Coaching from the Life Purpose Institute, a nutrition certification from The Institute for Integrative Nutrition, New York City, an MBA in finance from Johns Hopkins University and a Bachelor's degree in International Business from The American University. In the past Natalie has volunteered with the American Heart Association Go Red for Women campaign and was the chair of the Passion Committee/south Florida, which educates people that heart disease is the #1 killer of women. Natalie was a member of the American Business Women's Association for four years, serving as Vice President and President of the Fort Lauderdale chapter. In her free time Natalie enjoys playing tennis, yoga and walking on the beach.Natalie's most influential book: Integrative Nutrition by Joshua Rosenthal Natalie on social media: www.amazing-transition.comFB: https://www.facebook.com/Amazing-Life-Transitions-135423954356YT: https://www.youtube.com/channel/UCfx8dvH1SR0sl45cu40hvYgLI: https://www.linkedin.com/in/nataliewellness/IG: @amazing_life_transitionsSpecial thanks to our sponsor Jewel Toned Interiors. They transform lives by the creation of experiential interiors, for all people.Website: JewelTonedInteriors.comFacebook: https://www.facebook.com/jtidesignstudio/Instagram: @jeweltonedinteriorsLinkedIn: https://www.linkedin.com/company/jewel-toned-interiors/#healthandwellness #physicaltherapy #holisticnutrition #muralist #youtuber   #voicesofthegoddess #circleofgoddesses Subscribe To and Watch The Voices of The Goddess on Youtube HERE: https://www.youtube.com/channel/UCJkusUQRFjoRa0oDQpCLAbA/videos Facebook: https://www.facebook.com/groups/thecircleofgoddesses Instagram: https://www.instagram.com/voicesofthegoddess/Voices of The Goddess with Julietta the Magical PT and Allyson the Functional Nutritionist is a show that supports modern day goddesses in developing their super powers and acquiring the tools they need to achieve all their desires. Jess Osborn, Producer https://campsite.bio/jessosbornAllyson, a Michigander, moved to South Florida in 1993 with her fiancé, Nick. Married for 28 years with two children, Nicholas 25 and Lexi 22. A SAHM for 24 years and now an empty nester, she has found her true passion as the Human Resouces Diretor for The Goal Digger Girl and a Functional Nutritionist.Facebook: /AllysonKMancini Instagram: /allysonkmancini/?hl=en LinkedIn : /allysonkmancini/Julietta grew up in Wisconsin and graduated with a Physical Therapy degree from University of Wisconsin-Madison. Working in many different settings before deciding the need to open her own clinic to provide the level of care her clients deserve. When not busy treating patients or teaching Voila Method in the US and internationally, she is making healing crystal art and jewelry, creating spiritual/healing paintings, or planning underground dining experiences. https://bodyandsoul-pt.com/   & http://julietta.love/  & https://soulcandycrystals.com/ Facebook: /TheMagicalPT & /soulcandybyjulietta & Juliettalove-108449684234840Instagram: /themagicalpt & /soul_candy_ & /juliettadotlove

Host Robin McCoy talks with The Reverse Mortgage Lady, Alesia Dutton, to explain the ins and outs of reverse mortgages and reverse to purchase mortgages.Can you spend your money on anything you want? What are the risks? Can you lose your home? Is it like a line of credit? Listen in to learn all about the ways you can leverage your options to enjoy the benefits of owning a home in a whole new way!  To work with Alesia, call 972-922-2699 or email adutton@mutualmortgage.com. To work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.——————Listen to more on these business topics:Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBrought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsSupport the show (https://obbmdfw.locals.com)

Phyllis Russo, Shaman Practitioner, is back for another rivetting discussion with Host Deanna Blair. When it comes to mental health, there are many reasons people struggle to deal with their addictions, traumas, and challenges. Is it environment? Is it experience? Is it both? One thing's for sure, the spiritual world is an aspect often overlooked. People want to be whole, to be complete - and to be connected to God. Many psychiatric drugs leave people completely disconnected, unable to experience healing without additional higher-level strategies. Discover the approaches Phyllis uses to help people navigate their healing and become whole again without drugs. Reach Phyllis at www.TheMamaShaman.com, or email themamashaman@icloud.com, or text 402-257-0770.To be a guest or sponsor the Mental Health & Toxicity Podcast, call 469-964-1669.Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBusinessCoaching: https://bit.ly/BigIdeasSmallBusinessPodcastBrought to you by: Jus4UsNaturals.usCharisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsGracepoint MediaSupport the show (https://obbmdfw.locals.com)

If you don't have a will, the state of Texas has one for you. Estate Law Authority Lorie Burch is back for another impactful episode to help us prepare for the eventual loss of a family member. If you assume your children go to the spouse in the event of death, or to a relative in the event both parents die at the same time - you would be terribly incorrect. Combined families and non-traditional families frequently suffer from poor strategic estate planning, and that can leave surviving family members with no recourse, or worse yet, children can become wards of the state. Listen in to this highly significant and eye-opening episode and determine to solve this for your family. Go to Burch-law.com or CYATexasWills.com to get started with Lorie today.To work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.——————Listen to more on these business topics:Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBrought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsSupport the show (https://obbmdfw.locals.com)

Lorie Burch is back to discuss estate planning and civil law with Host Robin McCoy for this fast paced episode. Get ready to take notes! As a realtor, Robin often runs into situations where a will was never probated, causing high levels of stress that could be avoided. Lorie shares her story about how lack of planning makes grief even worse. For Lorie, it's a duty, to make the inevitable easier on those we leave behind. One of the biggest misperceptions is that it takes too much money to plan well. Listen in to learn all the arenas - from children, to medical decisions, to property, business and more - you need to know what's necessary to position your family for the best possible outcomes. Go to Burch-law.com or CYATexasWills.com to get started with Lorie today. To work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.——————Listen to more on these business topics:Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBrought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsSupport the show (https://obbmdfw.locals.com)

Realtor and Host Robin McCoy talks with Krysten Vaughan, founder of Reagan's Renegades and board member for Step Up For Down Syndrome Walk Committee, the top fundraising team for Down Syndrome Partnership for the last 3 years in a row. Supporting her daughter and others in the differently abled community, Krysten has found great reward in advocacy work. Enjoy this heartwarming journey into Krysten's life and gain a fresh perspective and renewed respect for this often misunderstood condition, and discover an overcoming lifestyle that will make you smile. Krysten is a Keller Williams Real Estate Agent, to connect with her, join her Facebook page at https://www.facebook.com/KrystenVaughanDFW.  Get involved with the Down Syndrome Partnership, there are so many ways to be included! To work with Robin, go to RobinMcCoyRealty.com, or call or text 214-226-3770. Subscribe to Relax, I Got This! Podcast here.Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more.——————Listen to more on these business topics:Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBrought to you by: Charisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsSupport the show (https://obbmdfw.locals.com)

Meet Phyllis Russo, a shaman practitioner who is helping people break free from mental anguish, pain, memories, addictions and more. Is there shaman application for your alternative wellness journey? Listen in and see!  Reach Phyllis at www.TheMamaShaman.com, or email themamashaman@icloud.com, or text 402-257-0770.To be a guest or sponsor the Mental Health & Toxicity Podcast, call 469-964-1669. Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBusinessCoaching: https://bit.ly/BigIdeasSmallBusinessPodcastBrought to you by: Jus4UsNaturals.usCharisma Chapter of the American Business Women's AssociationOffBeat Business Media, LLC / OBBM Network BrandsGracepoint MediaSupport the show (https://obbmdfw.locals.com)

Health and wellness for our senior family members is of the highest importance to our local business community. In this episode, Nadya Tasch discusses physical strength and nutrition, Deanna Blair shares on mental health, and Bernie Francis with First Class Caregivers discusses the emotional and home health solutions. It might be concerning to learn that your loved ones have become less able to care for themselves. Age is inevitable, and we need to be aware of the ways we can and should support their highest quality of life. Enjoy this insightful panel of professionals working in each of these areas and be better prepared with solutions that make all the difference in the world. These health focused professionals can be reached here: Nadya Tasch https://www.coachingbynadya.com/Deanna Blair https://obbmnetworkpodcasts.com/mental-health-toxicity-podcastFirst Class Caregivers https://firstclasscaregivers.comTo work with Rick Rawson, go to ExpanseLLCSocial5.com, or call 214-500-8448. Call to find out more about the events Rick is sharing in this episode! Subscribe to the OBBM Network Podcast on Apple Podcasts, Spotify, iHeart, Google Podcasts and more. Click here for Power Group Allen on Spotify. -------------------Listen to more on these business topics:Business and Technology: bit.ly/BizPointzPodcastBrand Strategy: bit.ly/PaulHittnerBuildsBrandsMusic Therapy: bit.ly/4PMusicTherapyBusinessCoaching: https://bit.ly/BigIdeasSmallBusinessPodcastBrought to you by: Charisma Chapter of The American Business Women's AssociationThe Epoch Times, https://trustednewspaper.comGracepoint.mediaOffBeatBusiness.com, 214-714-0495Support the show (https://obbmdfw.locals.com)

Hello everyone, and welcome back for another episode of the Outdoor Adventure Series Podcast. The Outdoor Adventure Series celebrates individuals & families, businesses, and organizations that seek out and promote the exploration of the great outdoors. Our guest today is Erin McDermott.Erin is the Executive Director at Friends of Red Rock Canyon.Friends of Red Rock Canyon (Friends) is a nonprofit 501(c)(3) organization whose mission is to preserve, protect and enrich Red Rock Canyon National Conservation Area.Erin J. McDermott began her career in the non-profit sector a decade ago by opening a Habitat for Humanity Restore in her hometown of Easton, Maryland while working with AmeriCorps. Prior to Friends of Red Rock Canyon, Erin was Director of Lending Partnerships with Accion, a global non-profit committed to inclusive small business financing. Erin is a member of the Impact Las Vegas Foundation, Inc., was a 2016-17 Curator of the World Economic Forum Global Shapers LV, and in 2016 was named the American Business Women's Association Millennial Woman of the Year. Erin holds a Bachelor of Arts Degree in political science from Saint Mary's College of Maryland and is currently pursuing a master's degree in urban leadership at the University of Las Vegas, Nevada. In her spare time, Erin enjoys exploring Nevada on foot and by bike with her park ranger husband, running half marathons, and shopping Local.To learn more about Red Rock Canyon, visit their website at https://friendsredrock.org/You can also find Friends of Red Rock Canyon on their Facebook and Instagram pages.Facebook InstagramYou can also learn more about Erin by visiting her LinkedIn profile.The Outdoor Adventure Series is a podcast production of Fox Coaching, Inc.

Today, Tes talks with Elsa W. Smith. Elsa is the founder and principal of the Law Offices of Elsa W. Smith, LLC. Elsa focuses her practice on wills and estate planning. She counsels individuals, families and business owners in the creation of wills, trusts, powers of attorney and advance directives. She has over 20 years' experience as an attorney. She is a native Spanish speaker of Afro-Cuban descent. Elsa holds a Bachelor of Business Administration and Juris Doctorate from the University of Miami. Elsa is licensed in Maryland and the District of Columbia. Elsa W. Smith belongs to the Maryland State Bar Association's Estate & Trust Law Section, Committee on Diversity and Inclusion. In October 2020, she was a presenter on the Maryland Attorney General's COVID-19 Access to Justice Task Force Virtual Life & Health Planning Community Forum, discussing the importance of estate planning. In 2020, Elsa published an article in the Maryland Bar Journal on how estate planning attorneys can leverage technology to serve more diverse populations. Elsa is a proud member of the American Business Women's Association (ABWA), a professional development organization. She is the Vice President of the organization's Maryland Capital Chapter. In 2020, she was chosen as a Top Ten Business Woman of ABWA - the fifth in Maryland Capital Chapter's history. Attorney Elsa W. Smith has been a guest on radio, television, webinars and podcasts. Elsa has a vibrant YouTube channel @elsawsmithlaw dedicated to providing free information on wills and estate planning topics. She also has an active social media presence on Facebook, LinkedIn, and Instagram. The Law Offices of Elsa W. Smith, LLC is proudly minority and woman-owned. Elsa's passion is empowering women through estate planning. Another firm goal is to stem the loss of generational wealth through proper planning. Elsa was recognized as a 2021 Maryland Super Lawyer in the area of estate planning. To learn more about Elsa W. Smith: Website: www.elsawsmithlaw.com Email: elsawsmithlaw.com Twitter: @ElsaWSmithLaw LinkedIn: https://www.linkedin.com/in/elsawsmithlaw/

Candy Messer is a profitability and growth advisor working with entrepreneurs in service-based industries to help them have successful businesses.  With more than 22 years of experience in the bookkeeping industry, Candy understands the stresses business owners face and offers customized services to meet their varying needs. Candy started Affordable Bookkeeping and Payroll (AB&P) with the goal of providing businesses with top notch bookkeeping and payroll services at a reasonable price.  Her company energizes business owners by removing the burden of compliance tasks as well as working with them to identify issues preventing higher profitability and/or growth. As a result of using her services, clients have peace of mind and the freedom to do what they love.  Candy has won numerous awards: Woman of the Year for 2009-2010 by the Peninsula Chapter of the American Business Women's Association 2011 Entrepreneur Mom of the Year by Today's Innovative Woman magazine.  2012 Distinguished Alumni of the Year by the El Camino College Foundation 2016 Small Business of the Year by the Torrance Chamber 2016 Firm of the Future by Intuit's (creator of QuickBooks software) Candy is co-author of Business Success With Ease released in 2013 and Navigating Entrepreneurship released in 2014. You can connect with Candy at her website: www.abandp.com or via email at contact@abandp.com Also, check out Candy's podcast: Biz Help For You on her YouTube channel: https://bit.ly/39UiTjr

from the archives This interview with Mary Ceccanese comes from the archives of the (Sorta) Secret Sisterhood, a membership site I ran for women 40+ and which has since migrated to a private Facebook group. Because so many of the practitioners I interviewed there also support women in burnout, I'm repurposing many of these excellent Q+As on the podcast! This interview took place in November of 2019 (which is why I talk about Thanksgiving in it)—and as we wrap up 2020, it feels right to spend a little time in gratitude—even if it's just for the year being over! Listen in as Mary takes us on a tour of what gratitude can do for us—especially if we're burning out, talks about the difference between recognition and appreciation, and talks about gratitude journaling (especially important for those of us who are journaling challenged!) What's your major aha moment/takeaway from this episode? Leave a voice message from the podcast homepage, or send me an email and let me know! bio Mary Ceccanese is the owner and principal consultant of Dynamic Connections LLC, a company that focuses on creating an engaged, energized workforce through positive business practices. She is also part of the Executive Education team and the Coordinator for the Office of Tax Policy Research both at the University of Michigan's Ross School of Business. Celebrating over twenty years of professional experience working with all levels of staff in both for-profit and non-profit organizations, she provides positive and empowering interactive presentations based on the research of the faculty at the Center for Positive Organizations. Mary engages attendees with research-based practices applied to work-life scenarios that can be immediately applied to their day-to-day life. She has a BA in Human Resource Administration and has worked at the University of Michigan for more than thirty years. In 2010 she received the University of Michigan's highest award given to staff -- the Candace J. Johnson Award for Excellence. In addition, Mary was given the distinction of being one of the 2019 “Top Ten Business Women” of the American Business Women's Association. In 2019, she was also awarded a University of Michigan Impact Award. resources EAT™ | Your way to health Donate to the EAT™ scholarship fund The (Sorta) Secret Sisterhood private Facebook group Dynamic Connections, LLC Looking for a great gift? Check out the High-Quality Connection Cards available on Mary's site. Simply: Health Coaching Send me an email --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/liza-baker/message Support this podcast: https://anchor.fm/liza-baker/support

Dr. Jada Bussey-Jones is the Chief of General Medicine and Geriatrics at Emory University, Professor of Medicine and Vice-Chair of Diversity Equity and Inclusion in the Department of Medicine, and the Director for Education for Emory's Urban Health Initiative, where she has a strong interest in minority health and healthcare disparities. In addition to her local work, Dr. Jones is involved with several regional and national organizations, including serving as the chair of the National Disparities Education Task Force for the Society of General Internal Medicine. Her work has been recognized with several awards, including the American Business Women's Association Award for Community Service, Emory's Nanette Wenger Service Award, and the Society of General Medicine National Award for Mentorship in Education. Self-discovery is not something Dr. Jada Bussey-Jones takes lightly. Today, the Chief of General Medicine and Geriatrics at Emory University's Grady Memorial Hospital shares her story: She is a Black woman, a descendant of slaves, and a first generation college student. She found that fostering strong relationships with a diverse group of mentors is what kept her afloat after feeling lost in clinical training. Yet, she realized that the onus of mentoring falls on the mentee: As students, we have a responsibility to define our objectives for a mentoring relationship. We must be proactive about setting expectations and scheduling sessions with our mentors. And above all, we must place high value on identifying our passion and setting our own goals. So, as young physicians forging our path, let self-discovery be our guide. Lets get clear on what we really want, and use the tremendous power of mentorship to propel ourselves forward to newer heights. Pearls of Wisdom: 1. Service learning is important. Your role as a physician is broader than just the clinical encounter. 2. There is tremendous power in mentorship. Through being mentored by others, you are able to pursue a journey of continual self-discovery. 3. Be proactive. Pursue mentors and seek to get on their schedule. Work to meet with them on a regular basis.