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How to Dig Yourself Out of Debt and Repair Your Credit Score with Howard Dvorkin, CPAJoin Howard and Katana as they discuss:Simple steps to take charge of your credit card debt now.Smart tips to improve your credit score.When filing bankruptcy may be your best option.Howard S. Dvorkin, CPA, MBA, is one of the most highly regarded debt and credit experts in the United States. His success in the financial industry has allowed him to be interviewed by countless media outlets over the years, including The New York Times, Fortune, Entrepreneur, The American Banker, and Investor's Business Daily. He has also appeared as a finance expert on programs, including CBS Nightly News, ABC World News Tonight, The Early Show, Fox News, and CNN.Howard has played an instrumental role in drafting both state and federal legislation, served as a former consultant to the Board of Directors for the Association of Credit Counseling Professionals, and was president of the Association of Independent Consumer Credit Counseling Agencies.Howard's latest book, Power Up: Taking Charge of Your Financial Destiny, provides consumers with the detailed tools they need to live debt-free and regain their financial freedom. It delivers practical prescriptions for dealing with the stresses of daily financial challenges and shows how to lay a solid financial foundation to build a secure, worry-free future. Howard's first book, Credit Hell – How to Dig Out of Debt, detailed how to rise from the debt inferno, the basics of good credit, consumer rights, and the warning signs leading to credit problems. His passion for entrepreneurial enterprise is only matched by his dedication to giving back to the community.Howard graduated from the University of Miami with a master's degree in business administration and received his Bachelor of Science in Accounting from American University.To learn more about Howard, visit www.howarddvorkin.com or debt.com.

Rio Peterson: Hello, everybody, and welcome to episode 80 of ALPS's In Brief Podcast. My name is Rio Peterson. I will be your host today. I am the Bar Partnership Strategist at ALPS, and I'm very excited to be here, kind of sharing hosting duties with Mark, who will be joining us on a future episode. But for today, you got me, and you've also got with you and myself with Susan Carns Curtiss. Susan, hi. Welcome. Susan Carns Curtiss: Hi, Rio. Thank you for having me. Rio Peterson: Yeah. Thank you for joining us. So for those of you who don't know, Susan is not just a lawyer, but also the founder of an incredible group called GIRL ATTORNEY. So today, we're going to sit down and chat with her a little bit about her work as a lawyer and her work with the group. And in honor of Women's History Month, we're going to be exploring all of the incredible opportunities and ways that GIRL ATTORNEY has brought women together. So, Susan, do you want to start by telling us a little bit about yourself? Susan Carns Curtiss: Sure. So I am an attorney based out of Oklahoma City. I am a personal injury attorney, and I handle cases just within the state of Oklahoma related to when someone's injured as a result of an auto collision. I do a little bit of other things, but mostly, if someone calls me about anything else, I tell them where they can find good representation, not from me. I know what I know and I know what I don't know in plaintiff's personal injury and, specifically, auto neg, auto negligence. So that's really my sweet spot, and that's what I'm focused on. That's what I do. Rio Peterson: Sick. And I feel like knowing what you know and knowing what you don't know is kind of a superpower, actually. I don't think a lot of people know what they don't know. Susan Carns Curtiss: And truly, that's one of the most valuable things I've come to appreciate as an attorney, is the value of practicing in an area where you know what your limits are. So you're never going to know it all. And even if the laws on the books haven't changed, how it's applied, it is evolving. There's new fact situations, and people are always looking for new ways to understand how the law applies today. So one thing, and we'll get to GIRL ATTORNEY later, but one of the most valuable things that I have gleaned from my years of watching women have conversations there is, yes, I should not dabble in anything else, because as they have conversations about nuances and areas of practice I don't have, I realize more and more, "Yes, good to know. Interesting." And it's just affirmation. My comfort level is to stay in my lane. Rio Peterson: Yeah. Susan Carns Curtiss: No pun intended. Rio Peterson: Yeah. And being a specialist is a fantastic thing. Susan Carns Curtiss: Well, yes, focusing on one area of practice is what works well for me. So I can feel confident. Like I said, even when I don't know, I know what the boundaries are, I know what the questions are, and I know it's not a function of, "I just don't know this area of practice well enough." I never want my client to have their case handled by somebody who really doesn't know. Rio Peterson: Yeah. Yes. Absolutely. Susan Carns Curtiss: Right? Rio Peterson: Absolutely. Susan Carns Curtiss: That's where you want your clients. So my personal injury clients, if they call me about estates, I say, "I love that you trust me with that. I do not trust me with that. So let me find you someone." That's my point. Rio Peterson: Fantastic. I love that. I feel like your clients can really trust you to do what's best for them and serve their best interest. Susan Carns Curtiss: Hopefully. Hopefully. Rio Peterson: Yeah. Susan Carns Curtiss: Yes. Rio Peterson: So how long have you been practicing law, Susan? Susan Carns Curtiss: Since I graduated in '06, December of '06. And so, I took the bar early '07 and got sworn in a couple months later when, thankfully, I passed that sucker first try. So that's how long I've been practicing, and very thankful for that. Yup. It's been a bit. Rio Peterson: Awesome. What first drew you to law? Susan Carns Curtiss: Oh, okay. And actually, we did not talk about this ahead of time, so you don't know, but I love telling the story. Rio Peterson: Excellent. Susan Carns Curtiss: I was a juror. That's why. Rio Peterson: Wow, really? Susan Carns Curtiss: I was a juror on a case in Oklahoma, of course. It was a bad-faith case, which is basically when someone sues their insurance company because they believe the insurance company didn't handle their claim properly, and not just a mistake, like, "They did bad. That's why it's bad faith." All right. So I'm a juror on this case, and it was a week-and-a-half-long trial. I, at the time, was working at a flower shop part-time, thinking about, "Maybe I should start my own business." I checked out a library book for break time during jury duty on how to open a flower shop. This is kind of where I thought my life was going. And over the course of a week and a half, I thought, "Oh my gosh, this is the best show ever." Rio Peterson: That's so cool. Susan Carns Curtiss: Well, I mean, truly, bad-faith cases, it's insurance. It really shouldn't be interesting, but I was fascinated with all of it. So long story short, at the end of that week-and-a-half-long trial, I reached out to the judge, a woman, because I was relatively new to Oklahoma City, and I didn't know anyone who was an attorney. Well, I didn't know any women who were attorneys. So there was a neighbor, who was a guy, who was an attorney. But anyway, I didn't know anybody. And so, I thought, "Well..." I mean, I was just so young, just such a baby, little baby adult. I was pregnant with my third when I was going through jury duty. Rio Peterson: Oh, wow. Oh, wow. Susan Carns Curtiss: And so, I spoke with the judge and asked her, "Hey, can I take you out for lunch?" And she said, "No, but I can host you for lunch in my office." And so, we had lunch, and she was so, so nice. And I've done a little homework. I found out she was a parent. She had children. I've since met her daughter, and she's a lovely person and all this. But anyway, the point is, I thought, "Well, I guess, clearly, she's a successful woman attorney," even though she's a judge, not an attorney. But anyway, I didn't understand all that. I mean, I knew she wasn't an attorney, but the point is, I was like, "She's a successful woman with a law degree," because I was thinking, "Maybe I should do this." So I met with her. And then after that, I called her back a month or two later and asked her, "Hey, I'm really still curious about this. Could I make your coffee and sweep your floor so I could see more about what happens in a courtroom?" And I literally did that, and she was like, "Yeah. So I already have people that do that, but you are welcome to come in anytime." So I did. Over the next year, she was so kind. She let me come and watch. We'd sit and talk about things after they happened out in the courtroom. I mean, it was nothing that was even on the other side. I know she didn't cross anything since she wasn't supposed to. But she would let me hash out my questions about, "Why did it look this way?" or "Why did they handle it this way? Why didn't they do this?" and then her two cents on it. It was just a really amazing experience. She actually also would let me read the briefs that had been submitted to her. Again, all public record, but it was a unique experience. She'd say, "Why don't you go read this stuff and let me know your thoughts on how you think I should rule?" I know nothing. I was like 0% helpful to her. She was just being nice to me. But it did really get me interested in being a lawyer and being a litigator, and grew my appreciation and my understanding beyond that of being a juror, because that was clearly a front-row seat to what litigators do, but getting to have a better feel of what happens up until and what might potentially even help resolve a case without a trial. Anyway, so yeah, a year and a half later, I was on a jury in June of '02, again, pregnant with James, my youngest. And then in the fall of '03, when my son was nine months old, I started law school. So I had three kids. And yeah, it was incredible. Rio Peterson: That's so cool. That's so cool. And really, kudos to the judge. Sorry, what was her name? Susan Carns Curtiss: I didn't say. Her name is Nancy, Nancy Coats. Rio Peterson: Nancy? Yeah. Well, kudos to Nancy for really nurturing your curiosity and providing that vehicle for you, really, that ability for you to explore and dive deeper into that. That's a really incredible story. Have you kept in touch with Nancy at all? Susan Carns Curtiss: Oh, yes. Rio Peterson: Yeah. Susan Carns Curtiss: I'm the president of her fan club. Wait, she doesn't really have a fan club. But yes, we absolutely have, and it's so sweet. In fact, she just got honored a few months ago, and she invited me to sit at her table. Right? I was her guest at this thing. Rio Peterson: Oh, that's wonderful. Susan Carns Curtiss: So that is the long story short as to our relationship. Rio Peterson: Gorgeous. Susan Carns Curtiss: Absolutely. She has maintained a relationship with me and invested in me, and she tells me all the time how proud she is of me. Rio Peterson: Oh, wonderful. Susan Carns Curtiss: And it's funny. And actually too, another fun, crazy thing about this: The defendant in that bad-faith lawsuit, we found in favor of the plaintiff as against the defendant. The defendant was Mid-Century Insurance Company, which is a subsidiary. I may not be using the right word. But basically, they're under, and also, they are a Farmers Insurance company. Rio Peterson: Got it. Susan Carns Curtiss: When I graduated law school, my first litigation job was with Farmers Insurance. Rio Peterson: Was it with Farmers? Susan Carns Curtiss: Yes. Rio Peterson: That's great. What a small world. Susan Carns Curtiss: Oh, yeah. So small. My eventual boss, I mean, technically, he was a colleague. He wasn't really my boss. But he had decades of experience on me, and we both worked at Farmers. He was my boss in my mind. He was on the stand for four or six hours of this trial. Rio Peterson: That's incredible. Susan Carns Curtiss: Crazy. And they did know. They did know. Yeah. But they still hired me. And we entered a verdict against Farmers for, I think it was 2.1 million. Rio Peterson: Oh, wow. Susan Carns Curtiss: Anyway, at any rate, it wasn't like chump change. It was real dinero. Anyway, but yeah, that's crazy. It is crazy, but it is true. That is how I ended up in law school. I just was a fascinated juror, and did homework that just made sense to me. At one point, Judge Coats said to me... I don't remember now if it was weeks or months or years into it, but she, at one point, said to me... And this did stick out. She said, "It took a lot of guts to reach out to a judge." Rio Peterson: Yes. Susan Carns Curtiss: And I remember thinking, "Oh my gosh, if someone would've told me it takes guts to do this, I would not have done it." It just made sense to me. I was just like, "Who else am I going to ask? I don't know any women attorneys. This is the one woman attorney I've ever been exposed to in this city or state. I might as well ask her." Rio Peterson: Did you? Susan Carns Curtiss: So, yes- Rio Peterson: It seems like she would know. Susan Carns Curtiss: ... I had no idea. I just was a desperate person for information, and she was nice enough to respond. So yeah, it is kind of funny how, looking back, I accidentally did things just by following my nose that led me to the right place to be at the right time. Yeah. Rio Peterson: Wow, that's such an incredible- Susan Carns Curtiss: I'm very thankful. Rio Peterson: ... origin story. I really love that you reached out and that she received, and here you are. It's really incredible. And I think that that's also a really good, possibly, segue into how you came to found GIRL ATTORNEY, because I think there's a lot of parallels with women lifting each other up and helping each other kind of get further and move forward. So tell me a little bit about how GIRL ATTORNEY came to be. Susan Carns Curtiss: So I worked at Farmers for a few years, and I had a great experience. My colleagues were great. The company was good to work for. Our clients as lawyers were the insureds. And I was in an office where it was very clear, my loyalty was to my client, not the person who paid my check, because you can see how that could be an issue. And all I can say about the office I was in was, is there was never a question. Never. Your loyalty, your obligation is to our insured, not to Farmers. And it's rare anything came up, but I never felt like there was a pushback when there was something. Anyway, so great experience, but I was 13... 12 or 13. I can't remember. I think it was 12, maybe it was 13, jury trials, three-and-a-half years into doing the work with Farmers, and I started to feel a tension about whether or not I have been given this opportunity to go to law school to save an insurance company money. Rio Peterson: Right. Susan Carns Curtiss: Again, I worked with great people. You need to have good, nice people on both sides that will advocate hard for their clients. So I always took a lot of pride in the work I did, but I would often get verdicts for zero for the plaintiff, or very little for the plaintiff, which, by the way, my clients loved, the adjusters loved, Farmers loved. I was not loving myself as much as each trial went on. I thought, "Oh." I mean, you win one, two, three, or four, and you're like, I was anyway, "I'm a killer. I am so good at this. Oh, I'm a boss. People love me." Okay. But eventually, this is happening over and over and over and over, and I thought, "I mean, I know I'm just doing my job. I'm not calling anyone a liar, but I'm just trying to get the impression that the system is slanted in favor of my position on the civil side." And that was my experience. That is not always the case, but it just ended up being my experience. And so, I was this many. I was at least a dozen trials in, and I had gotten one verdict total. It was my second trial, where a verdict was more than our last offer. But everything else was a zero or it was less than our offer. And so, it's a win. I mean, that's how they calculate a win. So even if it's a plaintiff's verdict, if it's real low, then... If it's lower than our last offer, it's a win. Rio Peterson: Right. Susan Carns Curtiss: So I started feeling like this wasn't the long-term career for me, because I wanted to be able to go and fight hard on behalf of my client, respectfully, but hard and focused. And if I somehow accomplished more than maybe I meant to, I could still be excited. Right? Instead, I was like, "Oh, man. I zeroed him out again." Like, "Thank you. Thank you. Adjusters love me." But I just wasn't enjoying it, because I thought, "Some of these people really should be getting something, and they should be getting more." And so, it was around that time, a lawyer from the other side reached out and asked if I would be willing to switch to the plaintiffs' side. So long story short, I ended up doing plaintiffs' work, and that's when I came to find out or more clearly understand that there are so few women that do plaintiffs' personal injury work. Rio Peterson: Oh. Susan Carns Curtiss: I mean, even my own experience, every jury trial I had was against a guy. Rio Peterson: Ooh, interesting. Susan Carns Curtiss: There are very few women that do plaintiffs' personal injury work. So it was going to trial lawyer conferences and having... Occasionally, I did. I had bad experiences, and somehow connected to the fact of being a woman among... three women among 100 men at a conference. Right? So sometimes bad things happened, but really no worse than what anybody experiences out there as a woman in a profession, period. Rio Peterson: Being a woman in the world is- Susan Carns Curtiss: It happens. Rio Peterson: Yeah. Susan Carns Curtiss: And not in a passive way, but just to say there's just like... That was the norm. That's a baseline. But also, I would have people just being polite, saying, "Oh, so whose wife are you?" Rio Peterson: Oh, yes. Susan Carns Curtiss: Right? They're not even trying to be a jerk. Rio Peterson: Yeah. Yeah. Susan Carns Curtiss: But I was constantly expressing to people that, in one way or the other, "Oh, I actually belong here. Oh, so anyway, funny story, I'm one of you. I hear you. I don't have that bonus body part, but this is news to you. This is not a reason to assume I'm here as a spouse." Right? Rio Peterson: Yeah. "I assure you that I can be here." Susan Carns Curtiss: Yeah. Yeah. Exactly. But all that to say too, these are people who are not trying to be ugly. They were trying to be polite to somebody's spouse. But it's just these culture norms, and living and then now working in a very male-dominated space is what led me to look for a space online. I literally looked for it in the back of a room at one of those conferences. I was like, "Now I'm getting on my laptop looking for something. There's got to be something out there." And, of course, there's women's bar associations, and they are awesome, and there are organizations for networking for women professionals in general. But I couldn't find something across the US that was a community for women attorneys. And maybe it existed, but I couldn't find it. So anyway, that is really the shortest version of the GIRL ATTORNEY origin story. I was looking for a place, and then I created a space where women attorneys could be a part of it, and no one would say, "Yeah. I'm sorry, do you belong here?" Rio Peterson: Yeah. Yeah. "Is your husband coming to the meeting? Should we wait for him?" Susan Carns Curtiss: Yes. Rio Peterson: Yeah. Susan Carns Curtiss: Yes. Exactly. Exactly. "Who's endorsing you today? Who's sponsoring you?" Rio Peterson: "Who vetted you?" Susan Carns Curtiss: Yes. But that led to me starting a Facebook group, and this was in 2016. I really did, at that point, only imagine... No, it's '14. Anyway, whenever it was. Whenever I started it, I imagined... It was on Facebook, and it was before a lot of law firms even had Facebook business pages. Rio Peterson: Right. Susan Carns Curtiss: I imagine today, I say it's kind of like people who have... TikTok feels like, "Well, that's for younger people." I can say that because an old person. And kudos to all the people who are in their 50s and older, and they are rock stars on TikTok. I'm like... But it feels foreign to me, right? Rio Peterson: Right. Susan Carns Curtiss: And so, when I created this group on Facebook, I imagined it would be a social space. I never imagined what it became. And that's really a sweet testament to what the community is, which is, it's very organic. It's what the women bring to the group, which allows other women to receive from the group. But yeah, it started as just a social... I added, I think it was just under 50 people. Rio Peterson: Right. Susan Carns Curtiss: "Hi, everyone. You're all my Facebook friends who are lawyers. I know all of you." I literally did this. "I know all of you, but you don't necessarily know each other. So I'm just thinking, if you want, you can introduce yourself, and you're welcome to invite other women." And that's how it started. So that was 50-something women. And then about a week later, there were 1,000 women in the group. And then within a few weeks, people started asking practice questions. Kind of like if you walked down the hall and you asked the lawyer at the other end of the hall, "Hey, how would you file this?" or "Have you ever filed one of these? Do you have a template or a go-by that I could look at?" Right? Rio Peterson: Yeah. Susan Carns Curtiss: People started asking those questions. And sorry, I'm going on a little bit. Rio Peterson: You're great. Susan Carns Curtiss: But anyway, so that... Okay. And people were saying, "Hey, I woke up at 3:00 AM with a sick kid. I've got a docket in such and such county." There's a call. Their docket call... "Is anyone possibly going to be there already who can answer for my case and let them know XYZ?" And otherwise, total strangers were saying, "Yeah. I'm going to be there. Happy to help." Right? Rio Peterson: Wow. Susan Carns Curtiss: I know, right? Rio Peterson: Like a very organic process. Susan Carns Curtiss: Yup. Rio Peterson: Yeah. Susan Carns Curtiss: That led to somebody saying, "Hey, can we get a separate group for just our state?" And I think that was Texas. And so, I started a Texas group. And then, of course, I'm based out of Oklahoma, so most of the women were in Oklahoma. I started a separate Oklahoma group. But that original group is the one that we call GIRL ATTORNEY - NATIONAL now. And so, that's just because sometimes things are federal questions or it's something that you really just... I encourage people, if they're going to join a state group, to also join the national group, because sometimes people will ask a question, "Oh, I'm looking for an attorney in Tennessee," because they think, "Oh, I don't need to join the Tennessee group." They don't need to join the Tennessee group. But if they do, they're going to get 30 people answer their question, as far as if they need a referral, or if they need a question, they asked. In the national group, though, it does give sort of a clearinghouse for just addressing whomever, because it's not a state-specific question, or you're just asking, "Hey, does anyone know anyone in this other state?" that they'd recommend, or raise your own hand. So that's how it happened. And now, just recently, just within the last week, we confirmed we're over 37,000-women strong. Rio Peterson: That's incredible, because I think when we talked a couple weeks ago, it was like 34- Susan Carns Curtiss: Close. Rio Peterson: ... or it wasn't too long. Susan Carns Curtiss: 36. Rio Peterson: 34. Susan Carns Curtiss: It was 36. Rio Peterson: But still, it's incredible. I mean, it started with just 50 people being like, "Hey, you guys, maybe we could chat." And now you have 37,000 members, and you have chapters in, what, all 50 states, I believe. Isn't it? Susan Carns Curtiss: Okay. Rio Peterson: Oh my God. Susan Carns Curtiss: I have a group for every state on Facebook. I'm pretty sure I'm the only person in the Vermont group. Okay? Rio Peterson: Well, come on, everybody. Anyone listening from Vermont, let's go. Susan Carns Curtiss: That's right. That's right. That's right. That's right. And it really is interesting. It just happens organically. What typically happens for a group to hit the ground running, all the groups have existed now for a few years, but for a group to just take off, it usually... And this is by observation. I've never asked anybody to do this, but this is what happens. One person in a state decides to do what I did with the first group. They add not one or two people, but they literally invite 50 friends, and they're like, "Hey, ladies, this is a space we can use." Rio Peterson: Right. Oh, that's interesting. Susan Carns Curtiss: "Introduce yourself to each other." And whenever that has happened, it has just taken off from there, and it's just sweet. And there are some states... Let me give a good example. Ah, golly. Well, I won't name names, but there are some states where I swear all the people who are in the group are people who went there to say, "Hey, I'm looking to refer a case to someone in the state for a family law issue." And no one's there to answer their question. Right? And so, now we've got five or six or eight people in certain state groups where the only people in the group are people who are like, "I would like to hire a lawyer here." But there's no one in the state who's been added or found their way there yet. So it is interesting. I feel no urgency. Technically, it is GIRL ATTORNEY, LLC, but I don't charge for membership. It's more or less run in terms of the members as a nonprofit. Rio Peterson: Right. Yeah. Susan Carns Curtiss: Now, I'm not speaking as someone who does nonprofit law, so don't misunderstand that as like a legal term. I'm just saying there's no membership fees. There are no boards. I think the value is not creating yet another organization to ask for your time or money. Right? Nobody needs that. There are ample nonprofits. There are wonderful, professional, your bar associations, whether it's the state bar for everybody or a women's bar, or the plaintiffs' bar, the defense bar. All those organizations already exist and provide great opportunities for leadership, education, and I like to add to that. I like to support what the bar associations are doing. I try to follow as many as I can on social media. I repost their events into the groups. But we're here to support women helping women. That's what I do. The no-fee is also partly based on my desire to create a space where, whether someone has had their law school paid for, they have no debt, and maybe they're going straight into big law. I mean, good for you, girl. Go get it. That gal's got plenty of extra dinero. And if I charged whatever a year that she thought it was worth, she can and hopefully would pay it. Right? Rio Peterson: Right. Susan Carns Curtiss: But there's also women who've graduated with a mile-high pile of debt and who are in public service work. And guess what? If I charged $5 a year, I mean, is it worth it? Yes. It would absolutely be worth the $5, but it would also be a reason somebody said no, because they're like, "That is technically not necessary, so I'm not going to pay it." And I want everybody to be in there regardless of their economic situation and also regardless of their connections in the legal profession, because many women come from legal families, and there are plenty of women who do not. And they don't have the connections. They don't know who's who in their state, in their city, and the GIRL ATTORNEY community helps provide access to them. There are partners in law firms in the very same Facebook group as the brand-new associate. I love that. And when I see partner so-and-so post a meme, and her associate gets to laugh at it with her, I'm like, "That's kind of like passing the woman in the hallway and giving her a high five." Rio Peterson: Absolutely. Susan Carns Curtiss: Who gets to do that? Law firms can be very not chill. Rio Peterson: Right. Yes. Susan Carns Curtiss: So this creates a space where they can help each other. Also, this associate gets to contribute to questions, pick up cases, and it's potentially an opportunity for that partner to see this gal going and getting it done. Right? Rio Peterson: Yeah. Susan Carns Curtiss: So it's just a way to facilitate connection and, hopefully, elevate women in the profession, which helps elevate the woman in her community, which helps her help her own family, and make a difference... Well, I guess I sort of did that backwards. I mean, really, ultimately, I want her to be helped individually, professionally, and also, it impacts her ability to help her community, and it helps everybody. Rio Peterson: Absolutely. And something I really, really love about this and about the GIRL ATTORNEY community is that success and opportunity is not a zero-sum game. There's enough for everybody. Susan Carns Curtiss: Yes. Rio Peterson: And I really feel that just how GIRL ATTORNEY has evolved and grown is really testament to the fact that there was a major need for a community where women feel equal, where they feel seen, where they don't feel embarrassed about asking a question, or where they have opportunities to connect with each other on an equal footing, is really incredible. And I'm so excited. I'm so excited that it just keeps growing, and that women keep connecting, and that it keeps just building. It's fantastic. Yeah. Susan Carns Curtiss: I'm thankful. Rio Peterson: Yeah. I mean, I hope we all are, because it's great. Susan Carns Curtiss: Yeah. Rio Peterson: And so, I know we've got just a few more minutes left here, but I did want to talk about some of the people and experiences you've had through GIRL ATTORNEY and through building this. Now, I know that you put on a conference just before the great pandemic. Susan Carns Curtiss: Yes. Rio Peterson: And so, I know you've gotten to connect with some pretty incredible people. Can you tell me maybe who was someone that really stood out to you or a moment that really made you feel like, "This is a really good thing that I'm doing and building"? Susan Carns Curtiss: Okay. I've got two answers to that question. One, I have to give explicit props, express my admiration and appreciation for the role that Judge Coats had in facilitating the conversation, which led to the opportunity. Right? So that was, for sure, a difference maker for me. I have no idea if she would've not been willing to make time in her schedule to meet with me. Maybe I would've never taken those next steps. Rio Peterson: Yeah. Susan Carns Curtiss: And then, otherwise, I can say broadly just the fact that I get to see all these women helping each other, and making each other laugh and encouraging each other. So without singling any one person out, just to say, that has really made an impression on me. Okay. I have a theory. I'll try to be as quick as possible. Rio Peterson: Okay. I'm ready. Susan Carns Curtiss: So we have heard for years that women are hardest on women. And I will tell you, one time, we had a situation in Oklahoma. It was a few years ago, and it's a good story. But the point is, on the other side of... They had the teacher walkouts. There were a ton of teacher walkouts in maybe '17, '18, I can't remember which year, across the US. And in Oklahoma, we had... There was a woman in the GIRL ATTORNEY Oklahoma group who said, "Hey, who wants to go down and support the teachers?" I'm thinking, "We'll go down on Friday, if anyone's interested." Well, a whole bunch of people were like, "Yeah." Long story short, yes. A lot of people said yes. And this lawyer then posted on her social media, something like, "We're going to be there, legislators. You're on notice, and you'll know us when you see us. We'll be the women in black." And I was like, "Oh my gosh, I just love that." Assertive, right? But she just threw the gauntlet down. Funny story. Then she goes to take a shower, and her husband's knocking on the door of the bathroom. He's like, "Did you post something on our social media page?" Because the post blew up. Right? Rio Peterson: Wow. Susan Carns Curtiss: So we ended up having about... Gosh, I don't want to exaggerate. Well, we had hundreds, maybe a couple hundred, I can't remember now, women from all over the state that showed up. And by the way, men who covered their dockets so that they could be there that Friday. Right? Super sweet. Right? Rio Peterson: Wonderful. Susan Carns Curtiss: So we show up, and this all was facilitated. It was not the group that organized it. It was a woman in the group who asked, "Hey, anybody else want to do something about this?" Right? Rio Peterson: Yes. Susan Carns Curtiss: And people were like, "Yeah." So this question was asked on a Thursday. By Sunday, we're being interviewed by CBS Nightly News. Rio Peterson: What? Susan Carns Curtiss: I know. It was insane. Rio Peterson: Incredible. That's incredible. Susan Carns Curtiss: It was insane. Women on Sunday night were like, "Hey, should we have tables out there to pass out things to teachers tomorrow morning?" And by Monday morning, at 5:30 in the morning, there were three tables donated, brought, and set up. Someone had a tent. We had cookies to pass out. We had gas gift cards to pass out. And here's the thing: No one was in charge of this. It was women going, "Well, I could do this. I'm going to go do that." Rio Peterson: Wow. Susan Carns Curtiss: It didn't need to be cleared through anybody. It wasn't like we're looking for volunteers to do. It was just women thinking, "Here's the situation. I could contribute this way." One person thought to call the bar association and ask, because it's right next to the Capitol, if we could organize there, and they said, "Oh, yes. You can come and organize, but don't park in our parking lot." Okay. It didn't even occur to me. So we all show up, because, again, I'm not in charge. But in the end, we were a visible group in support of the teachers. Laws don't change because a bunch of people show up on one day. It's just not the way it works, unfortunately. But we were able to show up in force. We get there. I get word that there's a local high school band that heard we were going to be marching from the bar association to the Capitol and wanted to lead us in. Rio Peterson: I love this. Susan Carns Curtiss: And I was literally in that moment when they were like, "They're all here." I'm looking over, and there's literally... It's the Norman High School Band. And I think there's two bands here, so I don't remember which one. But anyway, they're there, and I am like, "Oh." I'm like, "No, no, no," because I'm not like the, "You'll see us, the women in black." Right? Someone else said that. I did show up in black, but I also was just stressed. Right? I'm just like, "Oh my gosh, it's not about us." And even in that moment, they're like, "Oh, we're here to do this." And I was like, "No." I started to say no, and I thought, "No, but it isn't about you. It's about the teachers, and it's about this band. They also want to participate. We all want to be here and show our visible support for these people." Okay. On the other side of that, this is getting to my point, I heard more than one person say, "See? Look what happens when women help women." And I couldn't help but think, Rio, I don't think any one of those women were pushing down their natural inner bitch. Rio Peterson: Yes. Susan Carns Curtiss: Believe me if you need to. Rio Peterson: No. Susan Carns Curtiss: But I do not think that anyone was not being themselves. Rio Peterson: Wow. Susan Carns Curtiss: And I thought, "Wait a minute. What if that narrative is, 'I understand. There's competitive people in the world who are very unpleasant. They are both male and female'?" Rio Peterson: Yes. Yeah. Susan Carns Curtiss: And I think based on what I observed, because I was like, "Wait, wait, wait," this is incredible. All these women, nobody was asked to do anything, but they all were now operating in a space where clearly what they wanted to contribute was going to be received. And look what happens when you create a space where women get to lead. Rio Peterson: Yes. Absolutely. Susan Carns Curtiss: They get to follow their own lead, their heart, their mind, use their experience, their access, their connections. Guess what happens? A really wonderful, beautiful thing. When we came around the corner, the band, the teachers cheered. They felt loved. They were literally crying. We're crying, they're crying. It was a powerful thing. And all of it happened because there was a space where women got to trust themselves and do what was next. Right? Rio Peterson: Yes. Susan Carns Curtiss: So I was like, "Oh my gosh, this really makes me wonder. This whole narrative of women who are attacking women, who created that narrative?" It would've been, in my opinion, the dominant society, quote, unquote, "society," of whatever fill-in-the-blank business culture that now, a few decades ago, not that many decades ago, maybe five decades ago, started allowing a woman. Oh, now we have two women. It must've been quite the spectacle, right? Rio Peterson: Yes. Susan Carns Curtiss: And whether you're the first or the second woman, you're not the majority. And the people who are observing are telling the story of what's going on, and they basically pit these two people against each other- Rio Peterson: Yup. Absolutely. Susan Carns Curtiss: ... or maybe there's three, or maybe there's four. And I have a suspicion, with zero data to back it up, that this whole narrative of women are fighting women is because they were pit against each other, but not because women fight women. Rio Peterson: Right. Right. Absolutely. Susan Carns Curtiss: What do women do? Look at the bathroom in the bar. That's what women are, right? Rio Peterson: Yes. Yes. Yeah. Susan Carns Curtiss: They're like, "Girl, you got this. He is not good enough for you." Rio Peterson: Yes. Yes. Susan Carns Curtiss: That's who we are. Rio Peterson: Yes. Susan Carns Curtiss: And I'm not saying that men can't support each other. It's not a contrast. It's not a zero-sum game. Right? Like some people, "We're the gender who's nice to people." Not that. I'm just saying, this narrative is wrong. Rio Peterson: Yes. Susan Carns Curtiss: I saw it in this microcosm from Thursday to Monday. I was like, "What even just happened? What just happened?" And then in the years since, I just get to see it every day in the community. Rio Peterson: Yes. Susan Carns Curtiss: It's the most delightful, amazing, kind of sacred thing. And I just hope I don't screw it up. That's really my goal. That, and I don't want to get hit by a bus and not have a succession plan. That's my other big problem right now. Rio Peterson: Yes. Yeah. Susan Carns Curtiss: I'm like, "Oh, I don't really have a structure. I oversee this space, and what happens if something happens to me?" I really got to get that in order. Right? But anyway, that's what we do. That's what it does. Rio Peterson: It's incredible. It's incredible. Susan Carns Curtiss: It's women helping women. Rio Peterson: It really seems to me too, to your point, about competition between women. What better way to keep women from succeeding than to pit them against each other? Susan Carns Curtiss: Absolutely. Rio Peterson: It's the thinking that they have to compete with each other for a seat at the table, when in reality, we need to just maybe make that table bigger, and then that makes room for everyone. Susan Carns Curtiss: And, of course, we're talking about GIRL ATTORNEY, and it's about women, and it's Women's History Month. It also was just Black History Month. Rio Peterson: Yes. Susan Carns Curtiss: And, of course, there's all sorts of faces where, similarly, if you're not the dominant culture, you are pit against each other. Rio Peterson: Yes. Yes. Absolutely. Susan Carns Curtiss: Right? Rio Peterson: Yup. Absolutely. Susan Carns Curtiss: So I don't want to equate like, "Oh, because I am a woman, it's kind of like being a Black person." No, no, no, no, no, no. No. I do not have that same experience. But I would be remiss to say, "Hey, women are really left out. Women have been pit against each other," without saying, "Hey, look, that is a thing." And then if you also are not a white woman, which, if people are listening to this and not watching it, I'll tell you, I'm a white woman. Rio Peterson: Absolutely. Susan Carns Curtiss: And so, I have only that. But that's another reason why access is so important to me in the groups, because I think it's important that the space invite everyone in, because if you're not white and you're a lawyer, male or female, you're a minority in the space. Rio Peterson: Right. Susan Carns Curtiss: You are. Rio Peterson: Yeah. Susan Carns Curtiss: Right? And then there's sexual orientation. There's so many ways that you can be basically pit against other people and made to feel that you're not a full member. You're not a full member. Rio Peterson: Right. Right. Susan Carns Curtiss: So this all started because of my experience just being a woman. But the more I learn about the experience I have had and what I feel, the more strongly I feel about broadening that welcoming experience to anyone who has been made to feel that they don't... "Oh, wait. Why are you here?" That they aren't actually a full member, just because they don't look like the dominant. So first, we've got white men, and then we've got white people. Right? Rio Peterson: Yeah. Susan Carns Curtiss: And it goes out from there. But it's so important to me that the group be a welcoming place for everybody, and everybody has access to everyone. Rio Peterson: Yeah. Susan Carns Curtiss: Level playing field. Rio Peterson: Yeah. It's really inspiring, Susan. Really, this has been such an incredible conversation. I had no idea about supporting the teachers, and just the depths that this community has, I guess, explored and is starting to explore, and how open it is to anyone, regardless of experience, background, where you came from, what color you are, sexual orientation, anything. We need more of that in this world. And so, it's really fantastic that you're creating that, and I think that's a pretty incredible thing. And not only that, but making space for it. Not just to be the thing that you started, but to be something that all women have a hand, all members, and everyone who's part of it has a hand in building and crafting and making their own. That is a really special thing, to be able to make space for others to claim it as their own as well. Susan Carns Curtiss: I hope so. Rio Peterson: Oh, I'm going to get weepy. I'm getting weepy. It means a lot. It really does. It means a lot. So I know we've run over time. I think we could probably just talk about this forever. But maybe let's wrap up with, can you just quickly tell everybody where they can go to join GIRL ATTORNEY, and how they can find out more? Yeah. Susan Carns Curtiss: So all of the groups are... There's two things. There's a website, girlattorney.com. Also, if you go to boyattorney.com, it goes to girlattorney.com. Rio Peterson: Wonderful. Susan Carns Curtiss: LOL. But anyway, and from that site, it will tell you how... It tells you more. Alternatively, and there is a directory that you can register for on the group, on the website, and that gets you on the newsletter, stuff like that. But alternatively, if you do have to be on Facebook, so you got to deal with Mr. Zuckerberg- Rio Peterson: On the book of faces. Yeah. Susan Carns Curtiss: Yeah. Yeah. If you can get past that hurdle, and you are on Facebook, then the fastest and easiest way to get to any of the groups is to go to the GIRL ATTORNEY, LLC Facebook business page. Rio Peterson: Okay. Susan Carns Curtiss: On that page, there's a tab somewhere that says, "Groups." You may need to go to the one that says, "Other." And under Other, you'll find groups. But from the business page, there's a tab that says, "Groups." And under the groups, every single one of the groups is listed with a button there, the Facebook button, where you click to join. You'll need to answer a few questions. And once you have answered those questions, I'll get alerted, and I admit you. And then from there, you can request to join any other group. And it's basically automatic because of the way Facebook has set it up, that once you've been admitted, cleared for one GIRL ATTORNEY group, you're automatically approved to any other. It's usually, you just request and you click Refresh after being admitted to the first. So that's it. Rio Peterson: Perfect. Susan Carns Curtiss: And then you can help, be helped- Rio Peterson: Fantastic. Susan Carns Curtiss: ... et cetera, et cetera. Rio Peterson: Oh, wonderful. Oh, that's so fantastic. Well, this has been great, Susan. Thank you- Susan Carns Curtiss: Thank you so much for your time. Rio Peterson: Yeah. Thank you for your time. Thank you for sharing and telling us about this really exciting kind of group that you built and just grown. Yeah. And I hope many more people join, and it just continues to grow and create space for everyone. Susan Carns Curtiss: Me too. Me too. Thank you so much again. Really, it's an honor. I appreciate you so much. Rio Peterson: Oh, thank you. I appreciate you too, Susan. All right, everybody. Well, join us next month or next week. I guess we'll see. We've got a couple new podcast episodes coming out pretty soon here. But otherwise, have a fantastic day, and we will see you... Well, you'll hear us soon.  

Dr. Natalie Marks joins Dr. Andy Roark to discuss her recent article on "The Daring Release of Perfectionism." They discuss how the selection process for veterinary school and success within veterinary school may favor perfectionistic tendencies, and the drawbacks these tendencies have in practice. Finally, they talk about how to manage perfectionism and make peace with it. LINKS: ARTICLE: https://todaysveterinarybusiness.com/perfectionism-fearless-0423/ Marks DVM Consulting: https://marksdvmconsulting.com/ Dr. Andy Roark Resources: http://linktr.ee/DrAndyRoark Upcoming Webinars: https://drandyroark.com/webinars/ ABOUT OUR GUEST: Dr. Natalie Marks obtained her bachelor's degree with High Honors in Animal Science from the University of Illinois in 1998, and then proceeded to obtain a Masters in Veterinary Medicine and Doctorate of Veterinary Medicine degree with High Honors from the University of Illinois College of Veterinary Medicine. She became a Certified Veterinary Journalist in 2018. She has been a veterinarian at Blum Animal Hospital since 2006, co-owner until 2018 and current associate. Prior to 2006, Dr. Marks worked at Allatoona Animal Hospital just north of Atlanta, GA. Her media experience began in print when she created several monthly veterinary columns in multiple community magazines and was a frequent guest speaker for the German Shepherd and Bernese Mountain Dog clubs of Atlanta. Dr. Marks has received many prestigious awards in her career. She was awarded the Dr. Erwin Small First Decade Award, presented to a veterinarian that has contributed the most to organized veterinary medicine in his or her first decade of practice. In 2012, Dr. Marks was awarded Petplan's nationally-recognized Veterinarian of the Year. In 2015, she was awarded America's Favorite Veterinarian by the American Veterinary Medical Foundation. And, most recently in 2017, she was awarded Nobivac's Veterinarian of the Year for her work on canine Influenza. Dr. Marks is also very passionate about educating in all aspects of media, both locally and nationally. She has appeared on Good Day Chicago, WGN-Pet Central, NBC Morning News, ABC, CBS, NPR, WBBM, Northwestern University media channel and many local websites. Dr. Marks was featured nationally on the Today Show and CBS Nightly News during the canine influenza epidemic of 2015 and in multiple issues of JAVMA. She is a guest contributor in multiple media campaigns for Merck, Zoetis (formerly Pfizer), Boerhinger-Ingelheim, Ceva, Trupanion, Aratana, ScopioVet, and Royal Canin. Dr. Marks is a regular columnist in Today's Veterinary Business, Healthy Pet magazine, and Pet Vet, and has been published in Veterinary Medicine magazine, DVM magazine, Dogster, and Vetted. She is on the Advisory Board for Health Magazine and also was the host of numerous veterinary broadcasts for the Viticus Group (formerly WVC). Dr. Marks finds the ideal combination of teaching/mentoring and improving the emotional health of pets in the Fear Free movement. She sat on the Fear Free Executive Council and is a national educator helping other private practitioners develop these techniques. She also led her practice to become the 7th nationally and first practice in Illinois to become a Fear Free Certified Hospital. She is an Elite Fear Free Certified Professional. Finally, Dr. Marks is a serial entrepreneur, angel investor and consultant, and one of the newer members of VANE, the Veterinary Angel Network. When Dr, Marks is not working, she treasures her time with her family and her three wonderful children: Sophia, Evan and Madeline. Dr. Marks loves traveling, scuba diving, cooking and spending time outdoors, especially anywhere there is a beach!

Dr. Natalie Marks joins the podcast to about the opportunity for general veterinary practitioners to do more thorough work-ups on, and treatment of, cardiac cases. This episode is brought to you ad-free by CEVA Animal Health LINKS: CEVA CONNECT CE Courses ACVIM consensus guidelines for the diagnosis and treatment of myxomatous mitral valve disease in dogs Dr. Natalie Marks Consulting Dr. Marks LinkedIn Cardalis: Important Safety Information: Do not administer in conjunction with non-steroidal anti-inflammatory drugs (NSAIDs) in dogs with renal insufficiency. Do not use in dogs with hypoadrenocorticism (Addison's disease), hyperkalemia or hyponatremia. Do not use in dogs with known hypersensitivity to ACE inhibitors or spironolactone. The safety and effectiveness of concurrent therapy of Cardalis™ with pimobendan has not been evaluated. The safety of Cardalis™ has not been evaluated in pregnant, lactating, breeding, or growing dogs. Cardalis™ administration should begin after pulmonary edema is stabilized. Regular monitoring of renal function and serum potassium levels is recommended. Common side effects from a field study include anorexia, vomiting, lethargy, diarrhea and renal insufficiency. ABOUT OUR GUEST: Dr. Natalie Marks obtained her bachelor's degree with High Honors in Animal Science from the University of Illinois in 1998, and her Masters in Veterinary Medicine and Doctorate of Veterinary Medicine degree with High Honors from the University of Illinois College of Veterinary Medicine. She became a Certified Veterinary Journalist in 2018. She has been a veterinarian at Blum Animal Hospital since 2006, co-owner until 2018 and then associate. Prior to 2006, Dr. Marks worked at Allatoona Animal Hospital just north of Atlanta, GA. Dr. Marks then became very active in the Chicago Veterinary Medical Association, serving on the executive board, the Illinois State Veterinary Medical Association, AVMA and AAHA. Dr. Marks has received many prestigious awards in her career; awarded the Dr. Erwin Small First Decade Award, presented to a veterinarian that has contributed the most to organized veterinary medicine in his or her first decade of practice. In 2012, Dr. Marks was awarded Petplan's nationally-recognized Veterinarian of the Year. In 2015, she was awarded America's Favorite Veterinarian by the American Veterinary Medical Foundation. And, most recently in 2017, she was awarded Nobivac's Veterinarian of the Year for her work on canine Influenza. Dr. Marks is also very passionate about educating in all aspects of media, both locally and nationally. She has appeared on all major Chicagoland tv and radio news syndicates and many local websites. Dr. Marks was featured nationally on the Today Show and CBS Nightly News during the canine influenza epidemic of 2015 and in multiple issues of JAVMA. She is a guest contributor in multiple media campaigns for Merck, Zoetis (formerly Pfizer), Fear Free, Ceva, Trupanion, Aratana, ScopioVet, and Royal Canin. Dr. Marks is a regular columnist in Today's Veterinary Business, Healthy Pet magazine, the Fountain Report and Pet Vet, and has numerous other publications. She is a desired national and international lecturer for many of the same companies at VMX, WVC, AVMA, DVM360, VetGirl, and regional conferences, and most recently was a featured speaker at Ceva Sweden's Derm Day and the Royal Canin Global Symposium. Dr. Marks finds the ideal combination of teaching/mentoring and improving the emotional health of pets in the Fear Free movement. She sat on the Fear Free Executive Council and is a national educator helping other private practitioners develop these techniques. She also led her practice to become the 7th nationally and first practice in Illinois to become a Fear Free Certified Hospital. She is a Elite Fear Free Certified Professional. Finally, Dr. Marks is a serial entrepreneur, angel investor and consultant, and on the Executive Committee of VANE, the Veterinary Angel Network.

This podcast is sponsored by Ceva Animal Health. This podcast is worth 0.25 CE credits. Head to https://ce.dvm360.com/pages/podcasts and login or register for a free dvm360 Flex account to redeem your free RACE-approved CE credit after listening to this episode. Natalie Marks, DVM, CVJ, obtained her bachelor's degree with High Honors in Animal Science from the University of Illinois in 1998, and then proceeded to obtain a Masters in Veterinary Medicine and Doctorate of Veterinary Medicine degree with High Honors from the University of Illinois College of Veterinary Medicine. She became a Certified Veterinary Journalist in 2018.   She has been a veterinarian at Blum Animal Hospital since 2006, co-owner until 2018 and current associate. Prior to 2006, Marks worked at Allatoona Animal Hospital just north of Atlanta, GA. Her media experience began in print when she created several monthly veterinary columns in multiple community magazines and was a frequent guest speaker for the German Shepherd and Bernese Mountain Dog clubs of Atlanta. Upon her return to Chicago, Marks became very active in the Chicago Veterinary Medical Association, serving on the executive board. She was also a past board member of the Illinois State Veterinary Medical Association and an active volunteer to the American Veterinary Medical Association and American Animal Hospital Association.  Marks has received many prestigious awards in her career. She was awarded the Dr Erwin Small First Decade Award, presented to a veterinarian that has contributed the most to organized veterinary medicine in his or her first decade of practice. In 2012, Marks was awarded Petplan's nationally-recognized Veterinarian of the Year. In 2015, she was awarded America's Favorite Veterinarian by the American Veterinary Medical Foundation. And, most recently in 2017, she was awarded Nobivac's Veterinarian of the Year for her work on canine Influenza. Marks is also very passionate about educating in all aspects of media, both locally and nationally. She has appeared on Good Day Chicago, WGN-Pet Central, NBC Morning News, ABC, CBS, NPR, WBBM, Northwestern University media channel and many local websites. Marks was featured nationally on the Today Show and CBS Nightly News during the canine influenza epidemic of 2015 and in multiple issues of JAVMA. She is a guest contributor in multiple media campaigns for Merck, Zoetis (formerly Pfizer), Boerhinger-Ingelheim, Ceva, Trupanion, Aratana, ScopioVet, and Royal Canin.  Marks is a regular columnist in Today's Veterinary Business, Healthy Pet magazine, and Pet Vet, and has been published in Veterinary Medicine magazine, DVM magazine, Dogster, and Vetted. She is on the Advisory Board for Health Magazine and also was the host of numerous veterinary broadcasts for the Viticus Group (formerly WVC). She is a desired national and international lecturer for many of the same companies at VMX, WVC, AVMA and regional conferences, and most recently was a featured speaker at Ceva Sweden's Derm Day, and the Royal Canin Global Symposium. Marks finds the ideal combination of teaching/mentoring and improving the emotional health of pets in the Fear Free movement. She sat on the Fear Free Executive Council and is a national educator helping other private practitioners develop these techniques. She also led her practice to become the seventh nationally and first practice in Illinois to become a Fear Free Certified Hospital. She is an Elite Fear Free Certified Professional. Finally, Marks is a serial entrepreneur, angel investor and consultant, and one of the newer members of VANE, the Veterinary Angel Network. When Marks is not working, she treasures her time with her family and her three wonderful children: Sophia, Evan, and Madeline. Marks loves traveling, scuba diving, cooking and spending time outdoors, especially anywhere there is a beach.

Welcome to the Conscious Millionaire Show for entrepreneurs,  who want to create an abundant future for themselves and humanity. Heard by millions in 190 countries.  Do you want to put more money in the bank, create a powerful impact, and enjoy a purposeful life? This is the podcast for you! Join host, JV Crum III, as he goes inside the minds of Millionaire Entrepreneurs and World-Class Business Experts. Today's featured episode... Tom Corley: How to Develop Rich Habits! In his five-year study of the rich and poor, Tom Corley identified over 300 daily habits that separated the “haves” from the “have nots.” He is a bestselling and award winning author. He has appeared in CBS Nightly News, The Dave Ramsey Show, CNN, MSN Money, and is a frequent contributor to Business Insider and Credit.com. He is also a CPA, CFP and holds a Master's Degree in Taxation and heads a top financial firm in New Jersey. Like this Podcast? Get every episode delivered to you free!  Subscribe in iTunes Download Your Free Money-Making Gift Now... "Born to Make Millions" Hypnotic Audio - Click Here Now! Please help spread the word. Subscribing and leaving a review helps others find our podcast. Thanks so much! Inc Magazine "Top 13 Business Podcasts." Conscious Millionaire Network has over 3,000 episodes and millions of listeners in 190 countries. Join us as a regular listener to get money-making secrets on how you can grow your business and profits faster!

Welcome to the Conscious Millionaire Show for entrepreneurs,  who want to create an abundant future for themselves and humanity. Heard by millions in 190 countries.  Do you want to put more money in the bank, create a powerful impact, and enjoy a purposeful life? This is the podcast for you! Join host, JV Crum III, as he goes inside the minds of Millionaire Entrepreneurs and World-Class Business Experts. Today's featured episode... Tom Corley: How to Develop Rich Habits! In his five-year study of the rich and poor, Tom Corley identified over 300 daily habits that separated the “haves” from the “have nots.” He is a bestselling and award winning author. He has appeared in CBS Nightly News, The Dave Ramsey Show, CNN, MSN Money, and is a frequent contributor to Business Insider and Credit.com. He is also a CPA, CFP and holds a Master's Degree in Taxation and heads a top financial firm in New Jersey. Like this Podcast? Get every episode delivered to you free!  Subscribe in iTunes Download Your Free Money-Making Gift Now... "Born to Make Millions" Hypnotic Audio - Click Here Now! Please help spread the word. Subscribing and leaving a review helps others find our podcast. Thanks so much! Inc Magazine "Top 13 Business Podcasts." Conscious Millionaire Network has over 3,000 episodes and millions of listeners in 190 countries. Join us as a regular listener to get money-making secrets on how you can grow your business and profits faster!

recorded on 01JUN2022 On today's flight Av8rTony is joined by Alex D. to discuss what modern initial ground school for a regional 121 carrier is like and what to expect. We will also discuss best practices and how to successfully navigate the fast paced learning environment in the airline career field. We take a look at the preliminary reports on what the black boxes have revealed thus far about the China Eastern crash from March of this year. Captain Roger sent us a video from France as he updates us on his latest 2 week long flight schedule that takes him half way around the world. All this and more on this episode of the Squawk Ident podcast. references: CBS Nightly News link on China Eastern crash HIMS program link National Suicide Prevention Hotline link chapters: [01:38] Introducing Alex D. [04:38] Top Gun Maverick [18:45] Captain Roger's Video Checking [22:10] Tony's Vacation Bust [31:10] Alex on the Jump Seat [45:20] Initial Ground School at Sand Piper [1:22:00] the A.B.C.s Check Airmen [1:28:02] China Eastern Crash Update [1:47:05] Alex's next steps Thank You for Listening! Don't forget to Follow, Like, Subscribe, and Share Please visit Av8rtony.com for more show content, audio archives, cover art, Squawk Ident gear, audio feedback, and more. Original music & cover art by Av8rTony and produced at Av8r Sound Studios of Southern California. Alex D.'s intro - "19th Floor" by Bobby Richards Facebook, Instagram, Twitter & YouTube user just search Squawk Ident Podcast Copyright © Squawk Ident 2022, All Rights Reserved Copyright © Av8r Sound Studios 2022, All Rights Reserved Squawk Ident by Av8rTony is licensed under a Creative Commons Attribution - 4.0 International License --- Send in a voice message: https://anchor.fm/squawkident/message Support this podcast: https://anchor.fm/squawkident/support

About Our Guest As a Family Nurse Practitioner and the President and CEO of St. Mary's Health Wagon, Dr. Teresa Tyson leads a medical nonprofit in Central Appalachia. St. Mary's Health Wagon exists as the region's only safety net health care clinic for far southwest Virginia. Tyson leads her clinic in promoting the mission of providing quality, affordable, accessible care to all with an emphasis on serving the medically underserved. St. Mary's Health Wagon is a free nurse managed health clinic consisting of three stationary and two mobile clinics, serving Lee, Scott, Wise, Dickenson, Buchanan and Russell Counties. St. Mary's Health Wagon is one of the oldest, if not the oldest, mobile clinic in the United States, serving patients since 1980. In an effort to expand access to primary and specialty health care services, Tyson is currently overseeing the construction of a stationary dental clinic in Wise County. Tyson's leadership in the healthcare sector has garnered notable recognition including interviews from media that include: 60 Minutes, Nightline, CBS Nightly News, Inside Edition, Washington Post, New York Times along with other extensive media attention, including international press, regarding her efforts to provide access to health care to the poor and marginalized in the Appalachian region. Tyson has presented at the United Nations and the World Health Organization numerous times. Tyson is at the forefront of healthcare innovation. Tyson introduced the first monoclonal antibody infusions and post-COVID clinics to Central Appalachia. This past year, Dr. Tyson initiated a medication-assisted treatment program, addressing the opioid epidemic with an evidence-based integrated treatment model using injectable diversion free medications. Tyson is most proud of the Health Wagon's renamed annual health outreach, Move Mountains Medical Mission (M7). Following nineteen years of collaboration, Tyson continues to host this event, which she co-founded with Stan Brock of Remote Area Medical (RAM) and Sr. Bernadette Kenny in 1999. Dr. Tyson is a preceptor to medical, nursing and business students from forty-three colleges and universities. In 2015, Tyson was an instrumental partner in the first ever FAA approved drone delivery of medications in the United States, in partnership with Flirtey, NASA Langley and others. The historic drone has been inducted into the Smithsonian's National Air and Space Museum. Tyson is a strong business development professional and is skilled in nonprofit organization management, budgeting, fiscal management, fundraising, capital projects management, communications strategy, strategic planning, project management, grants management, event planning, social media, public speaking, marketing, and healthcare policy. Tyson serves on many healthcare boards, advisory councils, and coalitions. Tyson also serves as a guest speaker on topics such as healthcare access, healthcare disparities, vulnerable populations, mobile health, Department of Defense's Innovative Readiness Training health expeditions, nurse managed clinics and a variety of other issues. Tyson is the co-founder of Forever Young Aesthetics and Weight Loss Management in Norton, Virginia. Tyson's medical clinic brought platelet rich plasma therapy – a natural treatment for injured joints – to the area. Tyson is also co-founder of Hettie's Haven – a specialized residential home designed to assist individuals with intellectual disabilities in Coeburn, Virginia. Tyson is married to Tim Tyson. They are blessed with a family of five wonderful children: two boys and three girls.

JR Martinez was born in Shreveport, Louisiana. When he turned nine, he and his mom moved to Hope, Arkansas. After graduating high school in 2002, JR joined the U.S. Army. In February 2003, JR was deployed to the Middle East. Two months later, he was driving a Humvee when it's left front tire hit an IED; JR suffered smoke inhalation and severe burns to more than 34 percent of his body. He was evacuated to Germany, then transferred to the Army Institute of Surgical Research Burn Center in San Antonio, Texas. JR spent 34 months at BAMC were he had 34 plastic and skin graft surgeries. In 2008, JR went to an open casting call for the TV show All My Children. What you thought would be a 3-month stint turned into a 3-year full-time career. In 2011, JR joined ABC's Dancing with the Stars. In 2012 he wrote his first book, Full of Heart: My Story of Survival, Strength and Spirit. (a NYT best seller) In 2018 he married his beautiful wife and best friend, Diana and they had Lauryn Anabelle, and son, Leo. JR has been featured on many shows, such as The Oprah Winfrey Show, 60 Minutes, Ellen, The View, The Tonight Show, Good Morning America, CBS Nightly News, CNN, Fox News, HLN, and Univision. He narrated the CNN documentary series In America: Vets Wanted? He has served as a guest host on The View and ultimately hosted his own radio show.  Go to www.AARP.org/INMYHEART to join $12 for your first year with automatic renewal. You'll get a second membership for free, plus AARP the Magazine and a free gift! Go to www.Hapbee.com/inmyheart to save 25 percent on your order. And get 30 days free access to all their signals Learn more about your ad choices. Visit megaphone.fm/adchoices

There are many dedicated Veterans' advocates out there, and we've had the opportunity to interview many here on Veteran Voices, but very few of them made national news for their efforts at age 12. Rob Bergquist is the Co-Founder and Director at Cell Phones For Soldiers, a nonprofit that provides cost-free communication tools to active-duty military members and low-income veterans via responsibly recycling cell phones and other electronic devices. He and his sister, who was only 13 at the time, were featured in a story on CBS Nightly News in 2004. They seized the momentum and never looked back – until the Department of Defense called and told them to ‘cease and desist.' Rob joined Veteran Voices host Scott Luton to share the Cellphones For Soldiers backstory and mission: • How he went from the Pentagon sending him back to square one to providing over 400 million minutes' worth of airtime to service members • The shift in need they are seeing with less service members deployed internationally, and how they are evolving in response • What Rob and his team observed about giving during the pandemic Additional Links & Resources: Learn more about Supply Chain Now:https://supplychainnow.com/program/supply-chain-now ( https://supplychainnow.com/program/supply-chain-now) Subscribe to Supply Chain Now and all other Supply Chain Now programs:https://supplychainnow.com/subscribe ( https://supplychainnow.com/subscribe) Check out the 2022 Supply Chain and Procurement Awards: https://supplychainprocurementawards.com/ (https://supplychainprocurementawards.com/) Download the U.S. Bank 2021 Q4 Freight Payment Index: https://bit.ly/3pwmWKC (https://bit.ly/3pwmWKC) Turvo's Logistics Success Playbook: https://info.turvo.com/logistics-success-playbook (https://info.turvo.com/logistics-success-playbook) The Tecsys “Warehouse Automation Education Series”: https://infohub.tecsys.com/warehouse-automation-series (https://infohub.tecsys.com/warehouse-automation-series) Meet with 6 River Systems at Modex: https://bit.ly/3tkmcsa (https://bit.ly/3tkmcsa) Join 6 River Systems' interactive site tour at Verte on March 30th: https://bit.ly/3vl0d7k (https://bit.ly/3vl0d7k) This episode was hosted by Scott Luton. For additional information, please visit our dedicated show page at: https://supplychainnow.com/turning-one-mans-trash-another-family-treasure-852

Montana Butsch is the founder of Spotivity, a double-sided marketplace that supports after-school programs to increase enrollment and participation rates and enables kids and their parents to make the best decisions about using time outside of school hours. Spotivity removes key logistical barriers to entry and promotes positive networking opportunities. This self-sustainable dynamic app will ultimately evolve into a lifestyle/social tool and grow in importance as the user ages. Before Spotivity, Montana was the founder and CEO of significant sports non-profit organization which has served thousands of inner-city children in Chicago and who has formed extensive ties with Chicago business, philanthropy, and government leaders In addition to Spotivity, Montana runs Thin Edge Consulting – a business support firm that focuses on Strategic Initiatives that create opportunities for outreach enterprises in intrepid and thoughtful ways. Through this work, Montana launched the Tech / No Evil annual summit to discuss how technology brings wide-ranging positive impacts to people on a massive scale. Montana has appeared on CBS Nightly News, been featured in the NYTimes, has twice been interviewed on iHeartMedia, and was a 2017 TEDx speaker (IE University). Montana has an elite sporting background (is a member of Oxford University Boat Club, was a participant in the annual Oxford Vs. Cambridge Boat race, and was a National Team trialist) and was once a radio DJ. As a dual national – US and UK – Montana spent his formative years between Chicago and the UK (Isle of Wight and London) and is married to a Spaniard and has two beautiful twins (Bella and Theo). Montana is a Founders Institute graduate, holds a BA from the University of Pennsylvania (PPE Major), an MBA from IE Brown, and has attended programs at Oxford University (read Education Research) and the Kellogg School of Management (Executive Leadership) Feel free to connect with him on LinkedIn here: ◘ https://www.linkedin.com/in/montanabutsch/ Learn more about his business here: ◘ https://www.spotivity.com/ Links that the guest wants to share: ◘ https://www.spotivity.com/blog/

In this episode I talk to Sheila Farragher-Gemma about how to reverse engineer a sponsorship. Sheila works with event owners and their teams to find and manage strategic partners and sponsors, streamline their business and improve their bottom line. She has a knack for finding untapped revenue streams and additional ways to leverage assets through Innovation and Joint Ventures and Events. Her role as an industry expert has been highlighted by her appearances on CBS Nightly News, FOX 25, New England Cable News, WGBH TV, and WBUR radio. 

A graduate of Trinity College Dublin, Sheila Farragher-Gemma moved to the states in 1989 to pursue a corporate position. Her entrepreneurial nature soon took over and she founded and profitably sold several businesses before settling into the world of real estate where she launched a multi-million dollar company helping investors find out about and purchase niche properties in addition to acquiring multi-family investment properties in North American and European emerging markets. Other successful businesses launched by Sheila include Scalliwags, a children's indoor playground and sought after birthday party venue, an office supplies company and Affiliate Mastermind Group an association that brings structure, innovation, and collaboration to an area that prior to this was lacking. Today, Sheila works with Event owners and their teams to find and manage Strategic partners and sponsors, streamline their business and improve their bottom line. She has a knack for finding untapped revenue streams and additional ways to leverage assets through Innovation and Joint Ventures and Events. Her role as an industry expert has been highlighted by her appearances on CBS Nightly News, FOX 25, New England Cable News, WGBH TV, and WBUR radio.   Connect with us! WEBSITES: Speaking: https://www.cbbowman.com/ Coaching Association: https://www.acec-association.org/ Workplace Equity & Equality: https://www.wee-consulting.org/ Institute/ Certification: https://www.meeco-institute.org/ SOCIAL MEDIA: LinkedIn: https://www.linkedin.com/in/cbbowman/ Twitter: https://twitter.com/execcoaches Facebook: https://www.facebook.com/CB.BowmanMBA/ YouTube: https://www.youtube.com/results?search_query=cb+boowman

THIS WILL BE THE MOST IMPORTANT PODCAST EPISODE YOU'LL EVER LISTEN TO! Timothy Ballard is the Founder and CEO of Operation Underground Railroad (O.U.R.). He also serves as O.U.R.'s Jump Team Commander for rescue operations. Ballard began his career at the Central Intelligence Agency where he worked cases dealing with terrorism and Latin America. He has spent over a decade working as a Special Agent for the Department of Homeland Security where he was assigned to the Internet Crimes Against Children Task Force and deployed as an undercover operative for the U.S. Child Sex Tourism Jump Team. He has worked every type of case imaginable in the fight to dismantle child trafficking rings. Ballard has worked undercover in the United States and in multiple foreign countries to infiltrate child trafficking organizations. In this effort he has successfully dismantled dozens of these organizations and rescued countless children from sex slavery. He is an expert at managing Internet investigations, particularly those dealing with file-share networks where pedophiles and traffickers go to trade in child pornography. He has trained hundreds of law enforcement officers at home and abroad in best practices to liberate children from sex slavery.Ballard has been featured on many national news outlets to discuss his efforts to combat child trafficking. He has appeared on Fox News Sunday with Chris Wallace, The Meredith Vieira Show, CBS Nightly News, ABC Nightline, and CNN Headline News, MSNBC, The Glenn Beck Program, as well as many local news shows. Ballard is the best-selling author of The Covenant: One Nation Under God and is the author of the sequel to that work, The Covenant, Lincoln, and The War. He has taught American and International Politics courses at Imperial Valley College, San Diego State University and American Heritage School. He has been featured regularly on both local and national TV and radio programs to discuss American history and politics and the role America has played in defending liberty at home and abroad. He has often commented on how his academic work in American history has provided him the inspiration and motivation to rescue children--to carry on the American tradition of liberating the captive. He recently received the distinguished George Washington Honor Medal from the Freedoms Foundation at Valley Forge.After serving a church mission to Chile, Ballard graduated Cum Laude with a BA in Spanish and Political Science from Brigham Young University. He went on to graduate Summa Cum Laude with an MA in International Politics from the Monterey Institute of International Studies.Support Tim and O.U.R help end Human Sex Trafficking: Instagram - https://www.instagram.com/timballard89/Facebook - https://www.facebook.com/officialtimballard/O.U.R - https://www.facebook.com/OURrescuehttps://www.instagram.com/ourrescue/https://ourrescue.org/Follow The Story Box on Social MediaInstagram - https://www.instagram.com/thestoryboxpodcast/ Facebook Page - https://www.facebook.com/thestoryboxpodcast Website - https://thestoryboxpodcast.com/The Story Box on Podcast Platforms & Subscribe for more! Apple Podcast - https://podcasts.apple.com/au/podcast/the-story-box/id1486295252 Spotify - https://open.spotify.com/show/7h8Qv3r2ZV29f7ktJOwmgM?si=FXxYC1JFSHesBv7_d1WtNQ Watch The Full Episode Here: YouTube - https://www.youtube.com/c/TheStoryBox If you enjoyed this episode please subscribe to YouTube & Apple Podcasts, and leave a 5-star positive rating and review over on Apple Podcasts. Share it around with your friends and family.  See acast.com/privacy for privacy and opt-out information.

J.R. Martinez is father to a vivacious, beautiful, curious daughter. He is well known for many reasons. You might know him for playing Brot Monroe, an injured combat veteran trying to re enter civilian life on ABC's Emmy award winning television drama, All My Children. You may also know him for writing the New York Times best seller, Full of Heart: My Story of Survival, Strength, and Spirit. You may know him for winning season 13 of ABC's Dancing with the Stars with his partner Karina Smirnoff, or from his inspiring appearances on top rated television shows like The View, The Oprah Winfrey Show, CBS Nightly News, Good Morning America, and The Tonight Show. He is one of People Magazine's annual sexiest man alive and is known for his moving, speeches to US troops around the world, or at some of the world's leading companies.

Just as there are no two recipes that contain the exact same ingredients or measurements, there are no two success stories exactly the same. Recipe For Success features entrepreneurs, visionary leaders and innovators of all ages who will share their ingredients that make them successful – personally and professionally. Let's get cooking! No retreat, no surrender. Howard S. Dvorkin lives by those words. They come from his favorite musical artist, Bruce Springsteen. That’s how he approaches all his endeavors: entrepreneurship, two-time author, personal finance expert, community service champion and Chairman of Debt.com. Howard is one of the most highly regarded debt and credit expert in the United States and has played an instrumental role in drafting both State and Federal Legislation. He is a former consultant to the Board of Directors for the Association of Credit Counseling Professionals (ACCPros) and is the past president of the Association of Independent Consumer Credit Counseling Agencies (AICCCA). Howard’s success in the financial industry has allowed him to be interviewed by countless media outlets over the years including The New York Times, Fortune, Entrepreneur, The American Banker, Investor’s Business Daily, and virtually every national and local newspaper in the country. He has also appeared as a finance expert on national and local television and radio programs, including the CBS Nightly News, ABC World News Tonight, The Early Show, Fox News, and CNN. Howard’s latest book “Power Up: Taking Charge of Your Financial Destiny” (published by Wiley & Sons) provides consumers with the detailed tools that they need to live debt free and regain their financial freedom. It delivers practical prescriptions for dealing with the stresses of daily financial challenges and shows how to lay a solid financial foundation on which to build a secure worry-free future. Howard’s first book, “Credit Hell – How to Dig Out of Debt” (published by Wiley & Sons, revised 2010) detailed how to rise from the debt inferno, the basics of good credit, consumer rights and the warning signs leading to credit problems. Howard graduated from the University of Miami with a Master’s Degree in Business Administration and received his Bachelor of Science Degree in Accounting from American University. He is currently listed in the Marquis Who’s Who in the Finance Industry and is part of the premier group of CPAs that are recognized with the Chartered Global Management Accountant (CGMA) designation. Learn more about Howard at https://www.howarddvorkin.com/. For more information about Junior Achievement of South Florida, visit https://www.jasouthflorida.org. Follow us on social media: Facebook: https://www.facebook.com/jasouthflorida LinkedIn: https://www.linkedin.com/company/junior-achievement-of-south-florida/ Instagram: https://www.instagram.com/jasouthflorida Twitter: https://twitter.com/JASouthFlorida

Welcome into our Cagetastic filled 6th episode. For this installment we dip our toes into the more eclectic roles from Mr. Cage's storied career, one's a classic and one not so much. First up is one of the Coen Brother's early masterpieces and the dawn of Nic's acting brilliance, Raising Arizona (1987). This comedic crime film introduces us to the whacky world of the Coen Brother's and one of Mr. Cage's first truly memorable characters, the live action version of Woody Woodpecker, H.I. McDunnough. It was our first real taste of not only his comedic timing and supreme acting chops but also of his stellar narration skills. Our second film finds Mr. Cage having to put the majority of the cast on his back and drag them through this poor man's wannabe David Lynch film entitled Between Worlds (2018). It's a supernatural thriller that allows for Nic to stretch his wings and have some fun with the ridiculous plot and terribly one note cast. However it does give us some of his best one liners, a ridiculous water fight scene and shows us why he doesn't do many sex scenes. Along the way we'll discuss what attracts Mr. Cage to unhinged roles, baby drama on the set of Raising Arizona, why he probably shouldn't ever do sex scenes in movies again and if the Tin Man in fact does have a sheet metal cock. Clip from: Gone In 60 Seconds, Deadfall, Panasonic, The Golden Globes, Iliza Shlesinger Sketch Show, Stephen Paul Taylor, Whitney Houston, Matchstick Men, Leaving Las Vegas, Bad Lieutenant: Port of Call, Color Out of Space, East of Eden, Sympathy, Raising Arizona, Fargo, No Country For Old Men, The Big Lebowski, True Grit, The Apprentice, Once Upon A Time In Hollywood, Field of Dreams, Woody Woodpecker, Remix God Suede, Between Worlds, Falsely Accused, Jimi Hendrix, Con Air, Twin Peaks, USS Indianapolis, 3 From Hell, 31, Jay & Silent Bob Reboot, CBS Nightly News, Nickelback, Lynard Skynard, Richard Cheese, Kid Rock, If/Then Broadway Musical, Aqua Teen Hunger Force, Reservoir Dogs, Ghost Rider, The Who & Lord of War.   --- 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/NobodyPutsNicInACage/message

Lesson 6.1: 2 Nephi 1-5"We Lived After the Manner of Happiness"Book of Mormon Evidence Podcast - Come Follow Me Supplementary StudyHosted by Rod Meldrum - Author & International Speaker - The FIRM FoundationGuests in this episode: Timothy Ballard Founder and CEO of Operation Underground Railroad (O.U.R.).Tim Ballard spent over a decade working as a Special Agent for the Department of Homeland Security where he was assigned to the Internet Crimes Against Children Task Force and deployed as an undercover operative for the U.S. Child Sex Tourism Jump Team. He has worked every type of case imaginable in the fight to dismantle child trafficking rings. Ballard has worked undercover in the United States and in multiple foreign countries to infiltrate child trafficking organizations. In this effort, he has successfully dismantled dozens of these organizations and rescued countless children from sex slavery. He is an expert at managing Internet investigations, particularly those dealing with file-share networks where pedophiles and traffickers go to trade in child pornography. He has trained hundreds of law enforcement officers and has testified before the United States Congress on best practices to liberate children from sex slavery.Ballard has been featured on many national news outlets to discuss his efforts to combat child trafficking. He has appeared on Fox & Friends, Fox News Sunday with Chris Wallace, The Meredith Vieira Show, CBS Nightly News, ABC Nightline, and CNN Headline News, MSNBC, The Glenn Beck Program, as well as many local news shows.Ballard is the best-selling author of “The Covenant: One Nation Under God,” and is the author of the sequel to that work, “The Covenant, Lincoln, and The War.” He has taught American and International Politics courses at Imperial Valley College, San Diego State University, and American Heritage School. He has been featured regularly on both local and national TV and radio programs to discuss American history and politics and the role America has played in defending liberty at home and abroad. He has often commented on how his academic work in American history has provided him the inspiration and motivation to rescue children–to carry on the American tradition of liberating the captive. He recently received the distinguished George Washington Honor Medal from the Freedoms Foundation at Valley Forge.After serving a church mission to Chile, Ballard graduated Cum Laude with a BA in Spanish and Political Science from Brigham Young University. He went on to graduate Summa Cum Laude with an MA in International Politics from the Monterey Institute of International Studies. He resides in California with his wife and children.Official WebsiteBallard’s LDS Living InterviewThe Abolitionist Movie WebsiteMormon Channel InterviewSupport the show (http://www.bookofmormonevidencestreaming.com)

In today’s much-anticipated show, Dr. Dan talks about Resilience with the incredible Dr. Kenneth Ginsburg (http://www.fosteringresilience.com/index_parents.php  and http://www.chop.edu/doctors/ginsburg-kenneth-r  and www.parentandteen.org ), a professor of pediatrics at the University of Pennsylvania School of Medicine, practicing doctor of adolescent medicine at The Children's Hospital of Philadelphia, and author of several books including "Building Resilience in Children and Teens: Giving Kids Roots and Wings," "Raising Kids to Thrive: Balancing Love with Expectations and Protection with Trust," "Letting Go with Love and Confidence" and proud father. Dr. Dan and Dr. Ginsburg’s discussion is a must-listen-to for all parents and listeners will learn a lot from Dr. Ginsburg’s medical career and work with children, his passions (including being a Dad), and the third edition of his best selling book Building Resilience in Children and Teens: Giving Kids Roots and Wings. The show starts with this powerful definition: “Resilience is the capacity to rise above difficult circumstances, allowing our children to exist in this less-than-perfect world, while moving forward with optimism and confidence.” After defining resilience, Dr. Ken explains in his passionate and compelling way how parents (and other loving adults in a child’s life) are the guides and the keys to building the foundation of success for all children. In addition he reveals that the real definition of love, in his opinion, is seeing/accepting a person as who he or she is just as they are which in turn helps them see themselves.   Dr. Dan and Dr. Ken dispel many unhealthy myths about parenting including that teens don’t care what their parents think about them or that teens just don’t care about anything. What listeners learn is that parents are EVERYTHING -- especially to their adolescents. Later, they discuss when and how parents need to move away from parenting their children and how important it is to just listen.   Finally the show wraps up with a discussion of the essential “tools” our children need to navigate life and Dr. Ken’s very personal Parent Footprint moment. Today’s show will be a revelation for all parents and caregivers. Read more about Dr. Ginsberg below and here http://www.fosteringresilience.com/about.php Dr. Ginsburg is a pediatrician specializing in Adolescent Medicine at The Children’s Hospital of Philadelphia and a Professor of Pediatrics at the University of Pennsylvania School of Medicine. He also serves Philadelphia’s homeless youth as Director of Health Services at Covenant House Pennsylvania. The theme that ties together his clinical practice, teaching, research and advocacy efforts is that of building on the strength of teenagers by fostering their internal resilience. His goal is to translate the best of what is known from research and practice into practical approaches parents, professionals and communities can use to prepare children and teens to thrive. To advocate for parents’ critical role in raising resilient children and teens, he has appeared on CNN, NPR, The Today Show, Good Morning America, The CBS morning show, FOX and Friends and ABC, NBC, and CBS Nightly News programs. Dr. Ginsburg lectures widely to national and international parent and professional audiences. His most recent books are, "Building Resilience in Children and Teens: Giving Kids Roots and Wings," and “Raising Kids to Thrive: Balancing Love with Expectations and Protection with Trust”, both published by The American Academy of Pediatrics (AAP) as well as “Letting Go with Love and Confidence,” published by Avery, Penguin Press. He has been humbled to work on behalf of those who serve our nation with The Military Child Education Coalition to prepare military parents, health professionals, counselors, and teachers to incorporate stress reduction and resilience building strategies for the nation’s nearly 2 million military-affiliated children. Watch this free video to learn more about Dr. Dan and Parent Footprint Awareness Training®.

FULL INTERVIEW WITH NICHOLAS HERAS OF CNAS (Subject matter expert for Episode 2 "Guilty Until Proven Innocent". This is the full WebEx audio interview with Nicholas Heras of Center for a New American Security in Washington D.C. Nicholas discusses the key differences between U.S. and Euro migration and refugee flows and details the security vetting process for refugees coming to the U.S. He also explains the multilayered components that affect national security but are not covered as much in the press. Nicholas Heras is an international expert on national security and the analysis of complex conflicts and security issues in the greater Middle East and North Africa, including Syria, Lebanon, and Jordan as well as Turkey and the Gulf. He has provided expert analysis for the National Intelligence Council, National Security Council, US Central Command, US Special Operations Command, the US State Department’s Policy Planning staff, and US Naval War College - Center for Irregular Warfare and Armed Groups. He is also a frequent commentator to the national and international media -- appearing on National Public Radio, Public Radio International, the BBC World Service, CBS Nightly News, Fox News, Al-Jazeera. He is often quoted in The Washington Post, The WSJ, CNN.com, The Associated Press, The Christian Science Monitor, Newsweek, USA Today, Voice of America, US News and World Report, Foreign Policy and many more. Nicholas works as Middle East Security Fellow at the Center for a New American Security specializing in the Middle East Security Program and he is also a Senior Analyst for the Jamestown Foundation. He is the author of "From the Bottom Up: A Strategy for US Military Support for Syria’s Armed Opposition" and has co-authored and authored numerous scholarly articles.

Sue Scheff is a nationally-recognized author, speaker, parent advocate and internet safety expert. Today, we chat with Sue about her new book, Shame Nation, with forward by MonicaLewinsky. But first, a bit more about my friend, Sue Scheff. After being victimized online and cyber-stalked due to her advocacy work with troubled teens, Sue won a 2006 landmark case for internet defamation and invasion of privacy. Her book, Google Bomb! How the $11.3M Verdict Changed the Way We Use the Internet (HCI, 2009), co-authored by the late John Dozier, one of the country’s leading Internet attorneys, documents that legal battle while also offering prescriptive advice. Since then, her name and voice have become synonymous with helping others who have been victims of online abuse as well as educating people of all ages about the importance of good digital citizenship and protecting their online reputation. Today she is a much sought after expert who has been featured on major media outlets including GMA, CBS This Morning, ABC News, 20/20, The Rachel Ray Show, Dr. Phil, CNN, Anderson Cooper, CBS Nightly News, Lifetime, Fox News, CBC, BBC, Dr. Drew HLN, CNN Headline News, InSession Court TV, and noted major publications such as USA Today, AARP, Parenting Magazine, The Wall Street Journal, Washington Post, Miami Herald, Forbes, Sun-Sentinel, Asian Tribune, San Francisco Chronicle, LA Times, and many more. You can get Sue’s new book at ShameNationBook Please also stay connected at MitchJacksonPodcast.com and subscribe on iTunes, Stitcher, Google Play, Soundcloud and more! Thanks! Mitch (connect on social at Mitch.Social)

Over his 20 years anchoring the CBS Nightly News, Walter Cronkite was dubbed "The Most Trusted Man in America."

Adam Levin is a consumer advocate with more than 30 years’ experience in personal finance, privacy, real estate and government service.  A former director of the New Jersey Division of Consumer Affairs, Levin is Chairman and founder of Identity Theft 911, Chairman and co-founder of Credit.com and serves as a spokesperson for both companies.  An expert on personal finance, credit, identity management, fraud and privacy, he writes a weekly column which appears on Huffington Post and ABCNews.com.  He is a frequent guest on television, and has appeared on Fox News, Fox Business News, Good Morning America, Fox & Friends, CBS Nightly News, ABC World News Tonight and scores of radio stations throughout the country.  He lives in New York City with his wife and son. Identity theft seems like something that everyone thinks only happens to other people.  I watched the first season of Mr. Roboto, so assume I’m an expert hacker now.  :)  But seriously, how big are the risks we talking about here, based on probability and impact of lost time and money?    I think everyone knows not to advertise your social security number to the world, but what are a few of the easiest changes people can make that could make the most impact in protecting themselves? How has social media really changed the identity theft game? I have about a million online logins; it’s daunting.  How should I manage them?  Are passphrases the right idea? How has technological progress like the Internet of Things made us more vulnerable that we realize?  Also, I found the concept of medical identity theft to be especially scary.  What’s that all about?

In his five-year study of the rich and poor, Tom identified over 300 daily habits that separated the “haves” from the “have nots.” He is a bestselling and award winning author. He has appeared in CBS Nightly News, The Dave Ramsey Show, CNN, MSN Money, and is a frequent contributor to Business Insider and Credit.com. He is also a CPA, CFP and holds a Master's Degree in Taxation and heads a top financial firm in New Jersey.  Inside this FREE “First Millionaire Manifesto”, J V reveals the seven steps to seven figures and how to put more money in the bank, enjoy a richly rewarding life, and make a big difference. Subscribe in ITunes Like this Podcast? Help spread the word. Subscribing and leaving a review helps other business owners and entrepreneurs find our podcast…and make their big difference. They will thank you for it.   Watch this FREE Video to discover the Secrets to getting in your zone, achieving fast results, and building a high-profit conscious business.  Conscious Millionaire Podcast: On his free podcast, Monday through Friday, J V interviews top successful entrepreneurs and business owners who reveal their business solutions and business opportunities on topics such as: conscious business, social entrepreneurship, business online marketing, internet business solutions, internet marketing, team building and culture, goal setting, how to become a wealthy entrepreneur, and developing a high-profit business plan that will change lives and the world.

In his five-year study of the rich and poor, Tom identified over 300 daily habits that separated the “haves” from the “have nots.” He is a bestselling and award winning author. He has appeared in CBS Nightly News, The Dave Ramsey Show, CNN, MSN Money, and is a frequent contributor to Business Insider and Credit.com. He is also a CPA, CFP and holds a Master’s Degree in Taxation and heads a top financial firm in New Jersey.  Inside this FREE “First Millionaire Manifesto”, J V reveals the seven steps to seven figures and how to put more money in the bank, enjoy a richly rewarding life, and make a big difference. Subscribe in ITunes Like this Podcast? Help spread the word. Subscribing and leaving a review helps other business owners and entrepreneurs find our podcast…and make their big difference. They will thank you for it.   Watch this FREE Video to discover the Secrets to getting in your zone, achieving fast results, and building a high-profit conscious business.  Conscious Millionaire Podcast: On his free podcast, Monday through Friday, J V interviews top successful entrepreneurs and business owners who reveal their business solutions and business opportunities on topics such as: conscious business, social entrepreneurship, business online marketing, internet business solutions, internet marketing, team building and culture, goal setting, how to become a wealthy entrepreneur, and developing a high-profit business plan that will change lives and the world.

In Episode 59, Accredited Investor Markets Radio speaks with Tom Corley, author of Rich Habits -- The Daily Success Habits of Wealthy Individuals, a best-seller based upon Corley's 5-year research project where he separates fact from myth as to the habits of the wealthy and non-wealthy people. Corley and host Christopher Cahill bring Thorstein Veblen, Adam Smith, Aristotle, Benjamin Franklin, and George Washington into the fray.   You can learn more about Tom Corley and his books here.   Or you can find him here:   Twitter: @RICHHABITS Facebook LinkedIn     About Tom Corley   Tom Corley understands the difference between being rich and poor: at age nine, his family went from being multi-millionaires to broke in just one night.   For five years, Tom observed and documented the daily activities of 233 wealthy people and 128 people living in poverty. He discovered there is an immense difference between the habits of the wealthy and the poor. During his research he identified over 200 daily activities that separated the “haves” from the “have nots.” The culmination of his research can be found in his #1 bestselling book, Rich Habits – The Daily Success Habits of Wealthy Individuals.   A dynamic and empowering speaker, Tom motivates audiences at industry conferences, corporate events, universities, multi-level marketing groups and global sales organizations. Participants leave fortified and ready to excel both personally and professionally.   Tom has shared his insights on various national and international network and cable television programs such as CBS Nightly News, Yahoo Financially Fit T.V., India T.V., News.com Australia and a host of others. He has wowed listeners on many prestigious nationally syndicated radio shows including the Dave Ramsey Show, Marketplace Money and WABC.   Featured in numerous print magazines, such as Money, Entrepreneur, More and Kiplinger’s, and various online publications including USA Today, CNN, MSN Money, SUCCESS.com and the Huffington Post. Tom is also a frequent contributor to Business Insider, Credit.com and has been profiled in SUCCESS Magazine.   National publicity has garnered international media attention for Tom and Rich Habits. Broadcast media, online publications, and television throughout Asia, the South Pacific, Europe, the United Kingdom, and Central and South America have supported Tom’s powerful message. In an effort to help adults instill good habits in the younger generation, Tom has recently released his second book, Rich Kids – How to Raise Our Children to be Happy and Successful in Life. Rich Kids was the self-help category winner of the 2015 NY Book Festival.   Tom is also a CPA, CFP and holds a Master’s Degree in Taxation. As President of Cerefice and Company, CPAs, Tom heads one of the top financial firms in New Jersey.

J.R. Martinez is an actor, best-selling author, motivational speaker, advocate, and wounded U.S. Army veteran. He is many things. But perhaps most significantly, he is an inspiration. J.R.’s career path has been incredible, and perhaps even a bit improbable. Once a high school football player from a small town in Georgia, the only son of a single working mother who emigrated from El Salvador, J.R.’s trajectory is nothing if not surprising. Even to him.  Jose Rene Martinez was born June 14, 1983 in Shreveport, Louisiana to Maria Zavala. His two sisters, Consuelo and Anabel, were raised in El Salvador with his mother’s family.  He never met Anabel, who died as a young child.  At nine years old, J.R. moved with his mother to Hope, Arkansas, where he lived until he was 18. He then moved to Dalton, Georgia, a place he proudly calls his hometown. J.R. always loved playing football and had aspirations of making it to the NFL.  After high school, he joined the army. J.R. was proud to serve, as a way to give something back to a country that had already given so much to him and to his family. In September of 2002, J.R. underwent Basic and Advanced Training at Fort Benning, Georgia, where he gained skills as an 11-B Infantryman. After reporting to Fort Campbell, Kentucky, in January of 2003, he was assigned to the 2nd Battalion, 502nd Infantry Regiment of the 101st Airborne Division. In March of 2003, J.R. was deployed to Iraq. On April 5,he was driving a humvee in Karbala when his front left tire hit a roadside bomb. The three other soldiers were ejected from the burning vehicle, but J.R. was trapped inside. He suffered smoke inhalation and severe burns to 34 percent of his body. J.R. claims that while he was fighting for his life and awaiting medical help, his sister, Anabel, appeared to him giving him the strength to live. J.R. was immediately evacuated to a local medic station in Iraq and then on to Landstuhl, Germany, for immediate care. He spent 34 months in recovery at Brooke Army Medical Center (BAMC/SAMC) in San Antonio, Texas. He has undergone 34 different surgeries, including skin grafts and cosmetic surgery in the eleven years since his injury.  During his recovery, a nurse asked him to speak to a burn patient, who had just seen his body for the first time and had become withdrawn. After a brief visit,J.R. realized he had a positive impact on this patient and decided to use his own experiences to help others. He continued to visit patients every day sharing his story and listening to theirs. He learned that inspiration is often a two-way street.  Martinez has since become a highly sought-after motivational speaker. He travels the world spreading his message of resilience and optimism. He devotes himself to showing others the true value of making the most of every situation.  He has spoken to troops at various bases around the world, as well as to such groups as the Clinton Global Initiative, the Red Cross, and dozens of universities, non-profits, and Fortune 500 companies. His story is unique, but his message is universal: your path in life is decided by your own ability to Adapt & Overcome℠.  However, many also know J.R. as “Brot Monroe,” a combat veteran who was injured in Iraq and returned home to face the new challenges of reintegrating to civilian life, on the Emmy Award winning daytime drama All My Children. In 2008, J.R.’s friend noticed an open casting call from All My Children looking for a veteran to join their famed cast. That friend encouraged J.R. to try out. After several meetings with producers he was cast and an actor was born. Due to his runaway popularity, what began as a three month story arc for his character developed into a three year role. After All My Children ran its final season, J.R. went on to surprise and inspire a nation on ABC’s Dancing with the Stars. Along with partner Karina Smirnoff, J.R. won the coveted mirror ball trophy, and they were named season 13 champions.  J.R. can currently be seen costarring on the syndicated action series, SAF3 (CW Network), as a Los Angeles County firefighter, paramedic, and veteran USAF pararescue jumper “Alfonso Rivera.” He also guest starred in the season 6 finale of Army Wives.  J.R has been featured on many shows, such as The Oprah Winfrey Show, 60 Minutes, Ellen, The View, The Tonight Show, Good Morning America, CBS Nightly News, CNN, Fox, HLN, and Univision. He narrated the CNN documentary series In America: Vets Wanted? In 2013 he was a guest host on The View. He was also the host of the J.R. Martinez Show on KFI AM 640 in Los Angeles, one of the most popular talk radio stations in the country.   He has also been featured in the Los Angeles Times, the Washington Post, the New York Times, US Veterans Magazine, and was featured on the cover of People Magazine, in their annual Sexiest Man Alive issue, and was named one of their Most Intriguing People of 2011. Martinez is the author of the New York Times best-selling book Full of Heart: My Story of Survival, Strength, and Spirit,” a memoir about how he was able to take his own personal tragedy, and turn it into an inspiration for others.

Tom Corley understands the difference between being rich and poor: at age nine, his family went from being multi-millionaires to broke in just one night. For five years, Tom observed and documented the daily activities of 233 wealthy people and 128 people living in poverty. He discovered there is an immense difference between the habits of the wealthy and the poor. During his research he identified over 200 daily activities that separated the “haves” from the “have nots.” The culmination of his research can be found in his #1 bestselling book, Rich Habits – The Daily Success Habits of Wealthy Individuals. A dynamic and empowering speaker, Tom motivates audiences at industry conferences, corporate events, universities, multi-level marketing groups and global sales organizations. Participants leave fortified and ready to excel both personally and professionally. Tom has shared his insights on various national and international network and cable television programs such as CBS Nightly News, Yahoo Financially Fit T.V., India T.V., News.com Australia and a host of others. He has wowed listeners on many prestigious nationally syndicated radio shows including the Dave Ramsey Show, Marketplace Money and WABC. Featured in numerous print magazines, such as Money, Entrepreneur, and Kiplinger's, and various online publications including CNN, MSN Money, SUCCESS.com and the Huffington Post. Tom is also a frequent contributor to Business Insider and has been profiled in SUCCESS Magazine. Email: tom@richhabits.net Website: richhabits.net ------- VISIT: www.progress-not-perfection.com SPREAD THE WORD: If you liked this episode, please subscribe in iTunes and WRITE A REVIEW. This is what helps make the podcast easily accessible to those who could benefit from it. GET NEW EPISODES DELIVERED TO YOUR PHONE: Download the Podcasts app and subscribe to the progress-not-perfection podcast to have new episodes delivered directly to your phone. FEEDBACK: If you want to bounce any ideas off me, provide show feedback, or guest recommendations, email me at zaid@progress-not-perfection.com.