Podcasts about auif

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. 

For decades, the assumption was simple: by the time Australians reached retirement, the mortgage was gone. But that reality is changing fast.Today, more than half of Australians approaching retirement still carry housing debt—and it's reshaping how households think about superannuation, the Age Pension, and the role of the family home.In this episode, Veronica and Chris sit down with retirement specialist Harry Chemay to unpack the growing debt burden among pre-retirees and what it means for the next generation of retirees. They explore why the traditional “pay off the home before retirement” rule is breaking down, how rising property prices and refinancing behaviour have changed the way Australians use housing equity, and why more people are drawing down their super simply to clear their mortgage.Harry explains the financial trade-offs between paying off your mortgage versus preserving superannuation, and why this decision can dramatically affect long-term retirement cash flow. The conversation also dives into reverse mortgages, equity release strategies, the Age Pension means test, and why downsizing isn't always the straightforward solution many assume it to be.This episode challenges long-held assumptions about debt in retirement and highlights the need for better coordination between financial advisers, mortgage brokers, and retirement planners. Because in today's housing market, the biggest asset most Australians own—the family home—may also be the key to making retirement work.Episode Highlights01:13 – Meet Harry Chemay: Retirement and Wealth Strategy Expert01:55 – From Robo Advice Startup to Retirement Strategy Specialist03:33 – Why More Australians Are Reaching Retirement With Mortgages08:46 – Generational Shifts, Lifestyle Choices and Mortgage Refinancing10:36 – Why Retirees Are Using Super Withdrawals to Clear Housing Debt25:14 – The Trade-Off: Paying Off Your Mortgage vs Preserving Super26:22 – A Simple Cashflow Test for Retirees Carrying Mortgage Debt27:17 – Case Study: Super Withdrawal vs Equity Release Outcomes29:17 – Will Banks Start Lending More to Retirees and Older Borrowers?32:07 – Australia's $12 Trillion Housing Wealth Reality Explained38:55 – Downsizing vs Aging in Place: The Retirement Housing Debate42:04 – The Rise of New Retirement Living and Lifestyle Developments43:31 – Rising Homeownership Costs and Why Early Planning Matters46:20 – Rethinking Retirement Living: Building Your Own Community47:37 – A Real Family Story of Moving Parents Later in Life49:08 – Why Retirement Planning Needs a Holistic Advice Team52:12 – Final Takeaways on Retirement Debt, Super and HousingLinksThe growing debt burden of retiring AustraliansAbout the GuestHarry Chemay is a retirement and wealth specialist with nearly three decades of experience across financial planning, wealth management, asset consulting, fintech, and superannuation product design. His work focuses on the decumulation phase of retirement, helping individuals and institutions design strategies that turn accumulated wealth into sustainable retirement income.Throughout his career, Harry has worked with major financial institutions including KPMG Financial Services, Colonial (State Bank of NSW / CBA), Mercer, and Howarth Financial Services. He was also a co-founder of the fintech platform Clover, one of Australia's early robo-advice ventures designed to help younger Australians build wealth and save for their first home.Harry holds a Bachelor of Business in Banking and Finance from Monash University, a Graduate Diploma in Applied Finance and Investments (FINSIA), and a Graduate Certificate in Self-Managed Super Funds from the University of Adelaide. He has also previously held the Certified Financial Planner (CFP) and Certified Investment Management Analyst (CIMA) designations.His current work focuses on retirement income strategies and the evolving role of housing wealth in Australia's retirement system.Connect with HarryLinkedInLumisara (website)ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXHarry0?si=26cde394fa854765If you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

The 3rd and final ep in our Nutrition for Running series, and today we're looking specifically at race week and race day nutrition

In this solo episode, I share what really happens after you expand into a new version of yourself and why self-doubt can suddenly appear just when everything seems to be going right.This is an honest, real-time reflection on identity upgrades, nervous system regulation, and the “in-between” phase where your old programming tries to pull you back, even though you've already stepped into your next level.Follow The Healthy Hustlers: https://www.instagram.com/thehealthyhustlers/In this episode, I cover:- Why self-doubt often hits right after an identity expansion- What's happening in your nervous system during an upgrade- The “tunnel phase” between your old self and your higher self- The importance of regulating your nervous system to hold more- Why expansion requires emotional capacity, not just mindset workSponsored by Fem21, a herbal blend supporting women's hormonal and gut health:https://www.instagram.com/fm21.au/www.fm21.auIf this episode resonates with you, please subscribe, leave a review, or share it with someone who's in the middle of their own identity shift.Your support helps more women step into their next level with confidence, clarity, and self trust.

This episode flows straight on from Monday! So make sure you've listened to that first

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/book

Many investors see property development as the natural “next step” — a faster way to manufacture growth and build equity. The reality is far less straightforward: most development sites that can be built on simply don't make money.Rob Flux, founder of the Property Development Network, joins us to break down what really changes when you move from buy-and-hold to small-scale development. We explore why 90% of developable sites aren't profitable, how feasibility is often misunderstood, and why “profit on cost” — not hype — should drive your decisions. Rob explains the importance of site selection, overlays and constraints, demographic targeting, and why solving the right problems is what developers actually get paid for.We also dive into the practical realities: commercial vs residential funding, entity structuring mistakes, contingency planning, holding costs, and the psychological traps that come with early success. Is development just leveraged investing — or is it an entirely different career path? And in a market facing a 1.2 million home shortfall, does that make development easier… or just more competitive?If you've ever considered “graduating” into development, this episode is your reality check. Development can accelerate wealth — but only if you treat it with the seriousness it demands. Otherwise, it's just an expensive lesson.Episode Highlights01:15 – Meet Rob Flux: From Investor to Developer02:04 – Why Most Developers Fail (And Don't See It Coming)04:10 – The 10-Minute Site Test: Kill Bad Deals Fast05:00 – Overlays, Constraints & Building What Sells07:24 – The Development Sweet Spot (Before the Crowd)14:59 – Funding Models & Why Time Is Your Enemy21:14 – Market Cycles & Getting Product Fit Right27:15 – Luxury vs Volume: Two Paths to Profit28:47 – Where Population Growth Drives Real Demand32:05 – Who Actually Makes It in Development?33:44 – Feasibility 101: Profit on Cost Explained38:24 – Contingency Buffers: Protecting Your Margin39:31 – From Duplex to Six-Pack: Scaling Smart47:52 – Real-World Mistakes & Final TakeawaysAbout the GuestRob Flux is a property developer, mentor, and founder of the Property Development Network (PDN), Australia's largest community of active small-to-medium developers. With monthly meetups across Brisbane, Sydney, Melbourne, Adelaide, and Perth, PDN has become a leading education and mastermind platform for aspiring and experienced developers alike.Rob began investing at 18 and achieved financial independence by 38 — before a divorce forced him to rebuild from scratch. His first development deal delivered $1 million in profit, allowing him to leave his IT career and focus on development full time. Since then, he has refined his approach into a structured 7 Step Property Development Formula and continues to complete six- and seven-figure projects using creative acquisition and funding strategies.Beyond education, Rob serves on government advisory panels contributing to housing policy and planning reform across Australia. His mission is clear: to help 1,000 people achieve financial freedom by 2030 through smarter, more strategic property development.Connect with RobLinkedInWebsiteFacebookResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXRob0?si=26cde394fa854765If you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

As we move away from the New Year's and summer hype, it's time to do a little audit, assessment and possible reset of our plans and protocols for the coming months, and that starts HERE!If you're overthinking things (or not sure where to start!), and are keen to make the most of your training, build your shape and physique over the coming months, and make wicked progress in the gym this year, this episode is for you!Enough talk, enough chopping and changing your mind, enough fluffing about... Let's go

Today I'm breaking down the plans and protocols we have in place for one of my current clients who, right now, is working towards fat loss for some small body composition goals, but more importantly, to spend the majority of this year, competing in a weight-class sport... Strong man!

In this episode of the By Any Means Coaches Podcast, Tyler and Coleman sit down with Dr. Job Fransen—skill acquisition researcher, professor at Charles Sturt University, and former consultant to the Oklahoma City Thunder—to unpack what skill actually is and how coaches can better design environments that develop adaptable players. Job draws a powerful distinction between technique and skill, reframing skill as adaptability within context rather than mechanical perfection. From perception-action coupling to the limits of “memory bank” thinking, this conversation challenges traditional motor learning narratives and encourages coaches to rethink how players truly self-organize under pressure.We also dive deep into the confidence–competence continuum and why intentional practice design matters more than specific drills. Job explains how drilling can boost short-term confidence while variable, high-error environments build long-term learning—and why elite coaches must learn to surf that continuum in real time. The conversation expands into group dynamics, team learning vs. individual development, practice quality, sparring partners, feedback culture, and why decontextualized “brain training” methods often fail to transfer to the game. This episode is a masterclass in blending research with real-world coaching intuition.00:00 Introduction and background 07:20 Defining skill vs. technique 09:46 Motor programs vs. perception-action coupling 14:19 The confidence–competence continuum explained 17:22 Drilling vs. learning-focused practice 21:02 Designing practice across a season 22:32 “Hinging points” and dynamic coaching 26:39 The role of intuition in coaching and learning 31:43 Being a “fly on the wall” in elite organizations 36:27 What coaches should avoid (decontextualized training) 40:14 Group training and upskilling the lowest-level player 46:59 Organizational culture and collective development 54:04 Trends in high-performing organizations 58:49 Individual development vs. team learning 01:02:27 The “superstar highway” paradox in team performance 01:05:14 Ecological dynamics and group research gaps 01:12:10 Where research has changed Job's mindBAM Coaches Platform: https://byanymeanscoaches.com/ BAM Books: https://byanymeanscoaches.com/blueprint-bookLearn more from Dr. Job Fransen:skillacq.comhttps://www.skillacq.com/online-pathway-programsjob.fransen@skillacq.comGoogle scholar page: https://scholar.google.com/citations?user=JCXMOrgAAAAJ&hl=nlSchool email: jfransen@csu.edu.auIf you enjoyed this episode, make sure to subscribe, leave a review, and share it with another coach who's serious about building adaptable, game-ready players. We'll see you in the next one.

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/book

Today we are going super chatty and diving into a few training questions/topics for the gym girls

Pastor Neil Bernard continues our 'inspire' journey in the Book of Matthew with "The Parable of the Dragnet". Fishermen need patience. It isn't so much the catch, but the sorting of the catch. We are all offered salvation. What if we reject Jesus? What is the Kingdom of God? Can we escape the judgement? Are we of the Kingdom? How can we show our love, our obedience, our reverence?Today's passages: Matt 13: 47-50, Heb 10: 27, Matt 13: 43, 1Cor 15: 25, Matt 13: 39, 41, 49, Mark 8: 38, Matt 25: 31, Heb 12: 28-29Date: 18.02.2026Please send prayer requests to prayer@bridgeman.org.au or on our website: www.bridgeman.org.au/prayer/To contact Bridgeman Baptist Community Church please email hello@bridgeman.org.auIf you would like to give at Bridgeman Baptist Community Church please go to www.bridgeman.org.au/giving/ Please view our Sermon List if you would like to order from our back catalogue, please email bridgemedia@bridgeman.org.au 

Today we're breaking down what we want to think about, prioritise and potentially implement when it comes to setting up our morning, if we train early

Episode #244 features Sukhinder Singh Cassidy, CEO of Xero — the publicly listed small business platform serving ~4.6 million subscribers across 180+ countries.In conversation with Vidit Agarwal, Sukhinder reflects on her journey from growing up in a deeply values-driven Sikh household in Canada to leading global teams at Amazon and Google, founding three companies, and now steering Xero through its focused 3×3 strategy, US expansion, and AI transformation.She speaks with rare candour about intensity as both her superpower and her kryptonite, taking time off before every job and how lessons from banking, Google and her founder missteps now shape her leadership at Xero. Sukhinder also unpacks Xero's focused 3×3 strategy, the secret to unlocking further growth in the US, Building product in the AI era, filtering customer insights and more.Please enjoy exploring your curiosity!________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/high→ Find out more about the Law Firm Allens and how they can help your company today at www.allens.com.auIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, Vanta, Allens, Notion and more.________Show notes and more episodes hereFollow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website________The High Flyers Podcast features in-depth interviews with the world's most influential figures in business, tech, finance, government and sport. Launched in 2020, it has ranked in the global top ten for past three years, with listeners in 27 countries and over 200+ episodes released, and featured in Forbes, Daily Telegraph, and at SXSW.Our guests include -- Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (Global VP, Product at Google), Jason Collins (Head of BlackRock, Asia Pacific), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), John Haddock (CBO, Harvey), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Peter Varghese (Secretary of Foreign Affairs, Australian Government), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and more.

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/book

Today we're breaking down all of the things we want to be aware of thinking about as we enter into a running block (or similar) in the lead up to an event, like a half marathon, full marathon, triathlon or similar!

Pastor Andrew Carnell launches our Church-wide and Connect Group series from "The Book of Joshua", "From Promise to Possession". What happened before this Book? What does this Book point to? How can we grasp God's fullness? What is God saying to you?Today's passages: Joshua 1: 1-9, John 14: 21, 23, Is 41: 10Date: 15.02.2026Please send prayer requests to prayer@bridgeman.org.au or on our website: www.bridgeman.org.au/prayer/To contact Bridgeman Baptist Community Church please email hello@bridgeman.org.auIf you would like to give at Bridgeman Baptist Community Church please go to www.bridgeman.org.au/giving/Please view our Sermon List if you would like to order from our back catalogue, please email bridgemedia@bridgeman.org.au 

Pastor Tyrone Thomas launches our Church-wide and Connect Group series from "The Book of Joshua", "From Promise to Possession". Have you had to take on a new responsibility? Why could Joshua be strong and courageous? You too, can be strong and courageous. What is the instruction for us to prosper and succeed? It is all about God, the same God.Tonight's passages: Josh 1: 5-9Date: 15.02.2026Please send prayer requests to prayer@bridgeman.org.au or on our website: www.bridgeman.org.au/prayer/To contact Bridgeman Baptist Community Church please email hello@bridgeman.org.auIf you would like to give at Bridgeman Baptist Community Church please go to www.bridgeman.org.au/giving/Please view our Sermon List if you would like to order from our back catalogue, please email bridgemedia@bridgeman.org.au 

JC Family Church: Empowering People, Impacting Communities.No matter what you have done or where you have come from, your past doesn't have to define your present, or dictate your future... Today is a new day.  If you need prayer or just want to get in touch with us you can email us at admin@jcfamily.com.auIf you have been blessed by this ministry we would love to invite you to partner with us in spreading the message of Hope.Name: Jimboomba Assembly of GodBSB: 654 000A/C: 64193699  Join us for church online.Facebook - https://www.facebook.com/jcfamilychurchYouTube - https://www.youtube.com/channel/UCcIcVeev1rBu-iFkdkiHIwQ  For more information head to our webpagehttp://www.jcfamily.com.au/

JC Family Church: Empowering People, Impacting Communities.No matter what you have done or where you have come from, your past doesn't have to define your present, or dictate your future... Today is a new day.  If you need prayer or just want to get in touch with us you can email us at admin@jcfamily.com.auIf you have been blessed by this ministry we would love to invite you to partner with us in spreading the message of Hope.Name: Jimboomba Assembly of GodBSB: 654 000A/C: 64193699  Join us for church online.Facebook - https://www.facebook.com/jcfamilychurchYouTube - https://www.youtube.com/channel/UCcIcVeev1rBu-iFkdkiHIwQ  For more information head to our webpagehttp://www.jcfamily.com.au/

JC Family Church: Empowering People, Impacting Communities.No matter what you have done or where you have come from, your past doesn't have to define your present, or dictate your future... Today is a new day.  If you need prayer or just want to get in touch with us you can email us at admin@jcfamily.com.auIf you have been blessed by this ministry we would love to invite you to partner with us in spreading the message of Hope.Name: Jimboomba Assembly of GodBSB: 654 000A/C: 64193699  Join us for church online.Facebook - https://www.facebook.com/jcfamilychurchYouTube - https://www.youtube.com/channel/UCcIcVeev1rBu-iFkdkiHIwQ  For more information head to our webpagehttp://www.jcfamily.com.au/

JC Family Church: Empowering People, Impacting Communities.No matter what you have done or where you have come from, your past doesn't have to define your present, or dictate your future... Today is a new day.  If you need prayer or just want to get in touch with us you can email us at admin@jcfamily.com.auIf you have been blessed by this ministry we would love to invite you to partner with us in spreading the message of Hope.Name: Jimboomba Assembly of GodBSB: 654 000A/C: 64193699  Join us for church online.Facebook - https://www.facebook.com/jcfamilychurchYouTube - https://www.youtube.com/channel/UCcIcVeev1rBu-iFkdkiHIwQ  For more information head to our webpagehttp://www.jcfamily.com.au/

Today we're breaking down the things we want to be thinking about in regards to nutrition & fuelling for Hyrox, while we're a few weeks or months out from our event, so we can ensure we have enough time to plan, prep and practice the best fuelling strategies and race day protocols, to optimise our performance on the day

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/book

Today we're breaking down 2 specific habits that gym gals might be doing, that seem small... But can add up against us in a big way!In my opinion, refining these habits can really go a long way towards refining and optimising our physique and body composition goals Join the Eat Like Ruby Podcast Community

Today I'm breaking down the plans and protocols we have in place for one of my current clients who, right now, is working towards fat loss and improving strength, consistency and structure in the gym

In this episode, Shelley sits down with horseman and educator Peter Cowell, the “man of a thousand sayings” who quietly delivers some of the most grounded, practical horsemanship insight you'll hear.Peter shares how he found his way into horses (yes, it started with a girl), the three formative mentors who set his standards early, and why real learning is built in layers rather than slogans. The conversation explores what Peter calls the “ragged edge” of practice: handling weanlings year after year in the same facilities, with the same bloodlines, and refining timing, feel, and risk management through relentless repetition.You'll hear honest discussion about trade-offs (there are no complete solutions), why context matters more than certainty, and how skilled horse people can unintentionally skip teaching because they do not realise how much they are doing in the micro-moments. Peter also explains how his use of a flag evolved from driving horses to helping them think forward, and why “that's a goal, not a method” should probably be written on half the walls in the horse industry.Peter will be returning for a part two. Homework has been assigned.​How early mentors shape standards and decision-making​Practical expertise versus simplified “science flag” thinking, and why long-term patterns matter​Weanling handling as a real-world laboratory for repetition, refinement, and risk reduction​Timing, including “rewarding the thought” and recognising the earliest onset of behaviour​“No complete solutions, only trade-offs” applied to tying, handling, and training​The missing middle ground in the horse world, and why it is where most people actually liveYou can find out more about Peter Cowell here:Facebook: https://www.facebook.com/ConundrumHorseHandlingEmail: conundrumhorse@hotmail.comTo learn more about the Canter Therapy Podcast, suggest an episode idea, or support the show, visit:www.cantertherapy.com.auTo find out more about Dr Shelley Appleton and support her work, visit:www.calmwillingconfidenthorses.com.auTo find out more about Kathryn Christieson and support her work, visit:www.firenzapark.com.auIf you enjoyed this episode, please subscribe to the podcast and share it with friends. It helps us bring thoughtful, skilled voices to the forefront of the equestrian world.

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/book

Multi-generational living is becoming a more common response to the uncomfortable realities facing ageing parents and their adult children.With traditional aged-care pathways increasingly expensive, emotionally fraught, and often poorly understood, families are weighing up alternatives — staying at home, moving into residential care, or reshaping the family home through shared living arrangements and granny flats.In this episode, we look under the hood of multi-generational living to explore what's actually involved. From legal ownership and estate outcomes to pension eligibility, Centrelink rules, and family dynamics, we unpack the decisions families are making — and the risks they often don't see until they're already committed.Our guest, Adriana Care, is Managing Partner at Coutts Legal and works at the coalface with families navigating these choices under pressure. She's seeing a clear shift among the so-called sandwich generation toward property-based solutions for ageing parents — raising complex questions around money, fairness, control, and what can go wrong when good intentions meet poor planning.This episode isn't about whether multi-generational living is right or wrong. It's about understanding the legal, financial, and practical realities behind these decisions before they become permanent.Episode Highlights01:18 — Meet Adriana Care of Coutts Legal02:08 — Is Aged Care Failing Modern Families?03:47 — The Legal and Financial Risks Families Miss05:25 — Why Families Choose Multi-Generational Living15:31 — Retirement Living vs Staying at Home20:50 — How Retirement Village Contracts Really Work25:40 — What to Know Before Making a Family Move28:10 — Inside Retirement Village Agreements28:55 — Disclosure Documents Explained29:40 — Rules and Regulations That Catch Families Out30:52 — How Family Dynamics Shape Care Decisions32:21 — Financial Elder Abuse: Legal Warning Signs35:29 — Binding Financial Agreements Explained37:46 — Pensions, Gifting, and Centrelink Rules40:21 — Why Downsizing Isn't Always the Answer44:02 — Granny Flat Arrangements: Legal Traps49:42 — A Real Case That Shows What Can Go WrongAbout the GuestAdriana Care is the Managing Partner at Coutts Legal, where she specialises in aged care and elder law. She works closely with families navigating some of the most complex and emotionally charged decisions around ageing, care, and family living arrangements.Adriana advises clients on the legal and financial realities of home care, residential aged care, granny flats, and multi-generational living, with particular expertise in Centrelink rules, pension eligibility, and intergenerational asset arrangements. Working at the coalface, she sees first-hand how well-intentioned plans can unravel without clear structures, proper advice, and early conversations — especially for the sandwich generation balancing parents, children, and property decisions at the same time.Connect with AdrianaLinkedInCoutts Lawyers (Instagram)ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you...

Today we're diving into the options (and mindset!) around food tracking, calorie counting and calorie awareness, for gym gals and athletes

If you're a gal with goals to build your shape, increase your strength and/or tone up this year, this episode is for you

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/book

Today we're breaking down all of the things we want to be aware of thinking about if we're planning on doing either a half or full marathon this year, or any sort of similar event, sporting or performance goal

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/book

In this 3 part series about Fuelling female fitness we're diving into…

In this 3 part series about Fuelling female fitness we're diving into…

In this 3 part series about Fuelling female fitness we're diving into…

With so many crazy diets showing up online for "new years weight loss", today I'm talking through exactly what I would personally do, to successfully lose 6kg between now and Easter, in a flexible way! Join the Eat Like Ruby Podcast Community

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/bookOther Podcasts mentioned

Rubes is back today with a big juicy mindset chat on 3 things we need to understand and implement in order to achieve our nutrition & training goals, especially when we're all fired up to do so heading into the new year!

Property investing has rarely looked more seductive—or more dangerous. In this episode, Veronica and Chris unpack the growing gap between how property portfolios are being sold and how risk is quietly stacking up beneath the surface. As regulators tighten lending rules and banks pull back, the question isn't whether the rules are changing—it's whether investors are paying attention.The conversation dives deep into aggressive lending practices now under scrutiny: trust lending, SMSF borrowing, equity extraction, and the promise of “instant equity” through optimistic bank valuations. Veronica and Chris challenge the idea that buying multiple properties fast is a strategy, exposing how many portfolios are built on valuation certificates rather than fundamentals—and what happens when interest rates rise, rents soften, or lending conditions tighten.They also examine the uncomfortable incentives driving this behaviour: buyer's agents rewarded for volume, brokers pushed to maximise borrowing capacity, and everyday Australians—often in their late 40s and 50s—being sold complex structures they don't fully understand. From regional markets distorted by borderless buying to SMSFs loaded with illiquid property, the risks are not theoretical—they're already unfolding.This episode is a warning shot. If your strategy relies on constant refinancing, rising valuations, or ever-looser lending, this conversation will force you to rethink it. Because when the cycle turns, the consequences won't be shared evenly—and paper equity won't save you.Episode Highlights00:00 — Introduction to Property Investing Risks01:11 — Regulatory Crackdown on Risky Lending01:46 — The Role of Buyer's Agents and Brokers03:19 — Trust Lending and Self-Managed Super Funds12:19 — Instant Equity and Market Manipulation18:40 — The Pitfalls of Following Bad Advice24:28 — Questionable Advice from Buyer's Agents25:32 — Judging Awards and Industry Practices26:16 — Vulnerable Investors and Risky Promises27:13 — APRA's Role and Investor Lending Trends29:31 — Superannuation and Property Investments35:32 — Private Lending and Market Risks42:53 — Cross Collateralization and Loan Structuring48:54 — Conclusion and Final WarningsAbout the HostChris Bates is a mortgage broker and co-founder of Alcove, working with clients across Australia to help them navigate complex property and lending decisions. Known for his data-driven approach, Chris specialises in long-term strategy, lending structures, and helping buyers avoid costly financial mistakes.Veronica Morgan is a buyer's agent and property strategist with nearly two decades of experience advising owner-occupiers and investors. With a background in research, data analysis, and on-the-ground buying, Veronica is widely respected for cutting through market noise and focusing on fundamentals, risk, and long-term outcomes.Together, they bring a practical, evidence-based lens to Australia's property market — challenging assumptions and unpacking what actually matters.ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers

Join the Eat Like Ruby Podcast Community

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order.

We are back for 2026!!! Kicking the year off with a bang, Shack is here and we are getting straight into our in's and out's for the year

Today we are joined by Fit with Lily, competitive body builder and coach! Lily and I chat about her journey with Professional Bodybuilding and what nutrition and training looks like for Lily. This episode is such a good reminder to have your goal and do what it takes to get there without worrying about what anyone else is doing

APPLICATION FORM https://forms.gle/dCjQPF3AZ6wAkBJH8MEMBERSHIP SITE 50% OFFhttps://www.policefit.com.au/armoury.htmlIf you want more information on training and nutrition specific to Police Officers and Applicants please head to my free members page. https://www.facebook.com/groups/1725385161090146If you are an applicant in NZ also head of to my NZ support group https://www.facebook.com/groups/1522770991943100If you are an applicant in VIC also head of to my VIC support group https://www.facebook.com/groups/3283328811975620If you are an applicant in NSW also head over to my UCWE support group. https://www.facebook.com/groups/2106768509627725If you are an applicant in QLD also head over to my QLD support group https://www.facebook.com/groups/169532487048956If you are an applicant in SA also head over to my SA support group https://www.facebook.com/groups/1723828061032038If you are an applicant in NT also head of to my NT support group https://www.facebook.com/groups/2376032615894654Also check us out at www.policefit.com.auIf you have any questions feel free to reach out to me directly on Facebook https://www.facebook.com/bradley.williams.5059 or email brad@policefit.com.auAlso check out the team https://www.3zeroscoffee.com.au/ and use code 3zerospolicefit for 10% off your order. Check out CODE ONE CAREERS to book your free interview and psych Prep consult appointment https://www.codeonecareers.com/bookOther Podcasts mentioned

I'm so excited to be bringing you another in-studio guest today, EMFORM!... and boy oh boy is this gal full of wicked knowledge. Em is on the mic today to talk about the importance of mindset & taking responsibility for yourself and your actions, to fully send it and achieve your goals.If you're getting pumped to get after your goals in the new year, and take your results to the next level, this episode will fire you up even more

As 2025 comes to a close, property headlines are once again filling with bold predictions about what 2026 will bring. But rather than playing the forecasting game, this episode takes a more grounded approach — examining the forces already in motion and how they're likely to shape buyer, seller, and investor behaviour in the year ahead.Chris Bates and Veronica Morgan unpack what's really driving the market right now: persistently high interest rates, fast-rising lower-quartile prices, tight rental conditions, weak construction pipelines, and a supply side that simply isn't recovering. They explore why listings remain constrained, how first home buyer incentives and investor lending are colliding in the same price brackets, and why borrowing capacity — not confidence — is doing most of the heavy lifting.The conversation also digs into buyer fatigue versus genuine market softening, the growing influence of global uncertainty on local decision-making, and why some cities and sub-markets may actually accelerate rather than cool. Along the way, they challenge the idea that 2026 will somehow be “easier,” especially for buyers waiting for perfect clarity before acting.If you're considering buying, selling, upgrading, or investing in the next 12–24 months, this episode offers a clear-eyed framework for thinking strategically — without hype, predictions, or false reassurance.Episode Highlights00:00 – Introduction: Current State of the Property Market01:04 – Factors Shaping the Market in 202601:48 – Interest Rates and Market Predictions03:59 – Regional Market Variations05:58 – Investor and First Home Buyer Dynamics16:59 – Impact of Development and Zoning Changes22:54 – Work from Home and Regional Market Trends25:15 – Helping You Make Better Property Decisions26:07 – Introduction to Property Moves and Finance26:22 – Regional Markets Post-COVID27:14 – Current Market Sentiment and Interest Rates28:52 – Generational Wealth and Property Ownership32:00 – Bank Lending and Credit Growth36:51 – Auction vs. Private Treaty Markets43:00 – Renovation Trends and Challenges45:35 – Long-Term Property Investment Strategies49:48 – Conclusion and Future EpisodesAbout the HostsChris Bates is a mortgage broker and co-founder of Alcove, working with clients across Australia to help them navigate complex property and lending decisions. Known for his data-driven approach, Chris specialises in long-term strategy, lending structures, and helping buyers avoid costly financial mistakes.Veronica Morgan is a buyer's agent and property strategist with nearly two decades of experience advising owner-occupiers and investors. With a background in research, data analysis, and on-the-ground buying, Veronica is widely respected for cutting through market noise and focusing on fundamentals, risk, and long-term outcomes.Together, they bring a practical, evidence-based lens to Australia's property market — challenging assumptions and unpacking what actually matters.ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.au

We are starting the New Year strong! Today we have another Eat Like Ruby OG. Kylie is in the building (zia zoom) to unpack her amazing journey of losing 17KG!! I know what an achievement. After working with Kylie for 12 months watching her smash goals and even discover her passion in the health and fitness space, Kylie is a true inspiration. We unpack how she started Eat Like Ruby and what her journey has looked like, her incredible achievements and how she's using her passion as fuel to educate others.  Join the Eat Like Ruby Podcast Community