Podcasts about certificates

Dive in and explore Talk Cosmos, Sunday 16 NOVEMBER 2025, 1-2 p.m. PST, when the Archetypal Symbols panel explores the “28° Scorpio New Moon”. Mercury conjuncts the Sun and Moon all at 28 degrees creating a grand water trine with Jupiter and Saturn. Luminaries only travel in direct motion in the sky. However, the other three planets are all retrograde. The cosmos energies seek to refocus on deep emotional concerns, and find some kind of new footing in the ever-turning changes. Jupiter at 25° Cancer holds still as it slowed to retrograde on the 11th and stays at that degree for the New Moon. Jupiter and Saturn never get exactly trine to the minute during their emotional, intuitive visit in their respective water signs. But ‘close enough for jazz' as the saying goes! Within a few minutes, flowing harmoniously to support our taking a deep emotional inquiry putting the pieces together during this period for an energetic retake. The 28°12' Scorpio New Moon cosmic energies peak on 20 November at 1:47 a.m. EDT (Washington DC) and 6:47:01 a.m. UT (Greenwich, UK). The Archetypal Symbols panel synthesizes astrology, numerology, tarot, Jyotish Nakshatra, and Sabian Symbols—a mystical imagery set serving as a unique tool for personal exploration and astrological insight. Catch new episodes weekly through YouTube, Facebook, radio, and podcast platforms. Be sure to stay connected and subscribe to TalkCosmos.com to connect with the latest content. ELIZABETH (LIZ) MUSCHETT: Professional Astrologer, Intuitive, Numerology, Tarotist, Counselor; International Teacher & Tutor; Workshops; Lecturer; Author & Blogger. YouTube.com/@ElizabethLizMuschett episodes. Past board member of WSAA. Sacred Healing Counselor; International Reiki Master & Teacher. Provides nurturing in-depth individual and couples consultations. https://www.ALightPath.com Email: liz@alightpath.com JUSTIN CROCKETT ELZIE: An Archetypal Jyotish Astrologer, Teacher, Spiritualist Evidential Medium, Yoga & Meditation Teacher, Buddhist, and Author. Speaking at 2026 UAC. Justin specializes in Predictive/Electional, and Karmic Astrology. He combines Western Ancient Astrology and Modern Psychological Astrology with Eastern Jyotish Astrology providing in-depth analysis of Natal charts, Synastry (couples charts), Draconic Charts, Progressions, Transits and Planetary Returns. Justin does Astrological research into arcane Astrological concepts, focusing on the mystical/occult side of Astrology. YouTube.com/@Astrologicalyogi Email: justin.elzie@gmail.com | https://www.JustinCrockettElzie.com SUE ROSE MINAHAN: Evolutionary Astrologer & Consultant, Workshops, Lecturer, Talk Host, Writer. Vibrational Astrology student. Dwarf Planet Astrology graduate & tutor. Kepler Astrology Toastmasters charter member (KAT); Wine Country Speakers member. Associate of Fine Arts Music Degree; Certificate of Fine Arts in Jazz. Founder of Talk Cosmos insightful conversations awaken heart and soul consciousness. Talk Cosmos 2025 Season 8 on Talk Cosmos YouTube Channel, Facebook, Radio, Podcasts. https://www.TalkCosmos.com email: info@talkcosmos.com #talkcosmos #sueminahan #elizabethlizmuschett #justincrockettelzie #uranusingemini #astrologypodcast #podcasting #sabiansymbols#alightpathmuschett #numerology #tarot #nakshatra #vedic #neptuneinaries #kknw #astrology #podcast #sueroseminahan #archetypalsymbols #jupiterincancer #saturninaries #alightpath #astroweather #lunarcycle #moonenergy #newmoonritual #libravibes #celestial #astroinsights #zodiaclife #astrowisdom #cosmicguidance #astroguidance #empowermentjourney #newmoonmagic #newmoonintentions #archetypalsymbols #astrologicalyogi #justinelzie #saturnneptune #scorpionewmoon #scorpioseason #retrograde #mercuryretrograde #jupitertrinesaturn #jupiterretrograde #saturnpisces #scorpionewmoon

In this transformative episode of Aspire to Lead, Dr. Sarah Johnson rejoins host Joshua Stamper for a masterclass in authentic leadership and personal growth. Together, they share candid stories about why every educator, no matter their role or experience, needs to clarify their core values to build trust, weather challenges, and find joy in their journey. Dr. Johnson reveals lessons from her recent doctoral research on resilience, burnout, and spiritual self-care for school leaders, explaining how defining your leadership language and grounding your practice in faith and balance can help you rise above stress and uncertainty. Listeners will walk away with practical strategies for value reflection, tips for aligning their mission with their daily actions, and the inspiration to be both vulnerable and visionary in their work. This episode is an essential resource for anyone seeking purpose-driven leadership that starts from within. About Sarah Johnson: Sarah Johnson is a former teacher and school principal, turned author, speaker, and podcaster. She is passionate about assisting others in seeking greater satisfaction in all areas of their full lives by helping them go beyond work-life balance as well as develop strong leadership foundations. Sarah holds a Bachelor of Arts in Secondary Education, Master of Science in Educational Administration, and a Certificate for Women in Leadership from Cornell University. She hosts the weekly In AWE Podcast where she is proud to amplify women's stories every week.  Sarah is co-author of Balance Like a Pirate: Going Beyond Work-Life Balance to Ignite Passion and Thrive as an Educator and author of Lead with Faith: Firm Foundations of Leadership to Empower You to Slay Fear and Lead with Courage.  Sarah lives the balance message in her life by pursuing passions such as running, writing, focusing on family with her two daughters and teacher husband, while also honing her leadership skills through networking, teaching, and learning. Sarah Johnson:  Sarah's WebsiteSarah on Twitter Sarah on IG Sarah on LinkedIn Sarah on Facebook Podcast WebsiteSubscribe to the In AWE Podcast Join Sarah's FREE Five Day Going Beyond Balance Challenge: ...

Dive in and explore Talk Cosmos, Sunday 16 NOVEMBER 2025, 1-2 p.m. PST, when the Archetypal Symbols panel explores the “28° Scorpio New Moon”.Mercury conjuncts the Sun and Moon all at 28 degrees creating a grand water trine with Jupiter and Saturn. Luminaries only travel in direct motion in the sky. However, the other three planets are all retrograde. The cosmos energies seek to refocus on deep emotional concerns, and find some kind of new footing in the ever-turning changes.Jupiter at 25° Cancer holds still as it slowed to retrograde on the 11th and stays at that degree for the New Moon. Jupiter and Saturn never get exactly trine to the minute during their emotional, intuitive visit in their respective water signs. But ‘close enough for jazz' as the saying goes! Within a few minutes, flowing harmoniously to support our taking a deep emotional inquiry putting the pieces together during this period for an energetic retake.The 28°12' Scorpio New Moon cosmic energies peak on 20 November at 1:47 a.m. EDT (Washington DC) and 6:47:01 a.m. UT (Greenwich, UK). The Archetypal Symbols panel synthesizes astrology, numerology, tarot, Jyotish Nakshatra, and Sabian Symbols—a mystical imagery set serving as a unique tool for personal exploration and astrological insight.Catch new episodes weekly through YouTube, Facebook, radio, and podcast platforms. Be sure to stay connected and subscribe to TalkCosmos.com to connect with the latest content.ELIZABETH (LIZ) MUSCHETT: Professional Astrologer, Intuitive, Numerology, Tarotist, Counselor; International Teacher & Tutor; Workshops; Lecturer; Author & Blogger. YouTube.com/@ElizabethLizMuschett episodes. Past board member of WSAA. Sacred Healing Counselor; International Reiki Master & Teacher. Provides nurturing in-depth individual and couples consultations. https://www.ALightPath.com Email: liz@alightpath.comJUSTIN CROCKETT ELZIE: An Archetypal Jyotish Astrologer, Teacher, Spiritualist Evidential Medium, Yoga & Meditation Teacher, Buddhist, and Author. Speaking at 2026 UAC. Justin specializes in Predictive/Electional, and Karmic Astrology. He combines Western Ancient Astrology and Modern Psychological Astrology with Eastern Jyotish Astrology providing in-depth analysis of Natal charts, Synastry (couples charts), Draconic Charts, Progressions, Transits and Planetary Returns. Justin does Astrological research into arcane Astrological concepts, focusing on the mystical/occult side of Astrology. YouTube.com/@Astrologicalyogi Email: justin.elzie@gmail.com | https://www.JustinCrockettElzie.com SUE ROSE MINAHAN: Evolutionary Astrologer & Consultant, Workshops, Lecturer, Talk Host, Writer. Vibrational Astrology student. Dwarf Planet Astrology graduate & tutor. Kepler Astrology Toastmasters charter member (KAT); Wine Country Speakers member. Associate of Fine Arts Music Degree; Certificate of Fine Arts in Jazz. Founder of Talk Cosmos insightful conversations awaken heart and soul consciousness. Talk Cosmos 2025 Season 8 on Talk Cosmos YouTube Channel, Facebook, Radio, Podcasts. https://www.TalkCosmos.com email: info@talkcosmos.com#talkcosmos #sueminahan #elizabethlizmuschett #justincrockettelzie #uranusingemini #astrologypodcast #podcasting #sabiansymbols#alightpathmuschett #numerology #tarot #nakshatra #vedic #neptuneinaries #kknw #astrology #podcast #sueroseminahan #archetypalsymbols #jupiterincancer #saturninaries #alightpath #astroweather #lunarcycle #moonenergy #newmoonritual #libravibes #celestial #astroinsights #zodiaclife #astrowisdom #cosmicguidance #astroguidance #empowermentjourney #newmoonmagic #newmoonintentions #archetypalsymbols #astrologicalyogi #justinelzie #saturnneptune #scorpionewmoon #scorpioseason #retrograde #mercuryretrograde #jupitertrinesaturn #jupiterretrograde #saturnpisces #scorpionewmoonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us fan responses! The path out of confusion starts with a simple move: treat your name like a business and your family like an institution. We open the playbook on status correction, private trusts, and the holding-company-over-operating-company stack that separates your life from your liabilities. From 508(c)(1)(A) associations to family trusts that actually govern, we walk through the documents, the minutes, and the benefits that let you stop co-mingling and start building.You'll hear how stipends, fringe benefits, and internal shares can offset housing, vehicles, healthcare, and education without turning every dollar into a tax trap. We unpack promissory notes to move assets into a trust at fair market value, then redeem value later—exactly how corporations do it. We also dig into practical identity tools: affidavits of birth, DS-10, and baptism certificates as alternative proofs accepted by federal processes, plus why the family bible should function as your private ledger for life events. It's not theory; it's recordkeeping that stands up.On the public-to-private bridge, we highlight grants, first-time homebuyer plays, chamber of commerce workshops, and direct talks with bankers to clean reports and secure financing. We talk courtroom posture, child support tactics, and staying in honor: respond on time, put affidavits on the record, avoid forced contracts, and document everything. The throughline is discipline—clean books, clear roles, and a beneficiary strategy that points to a family trust or charity, not to children directly—so stewardship outlives you.If you're ready to move from public dependency to private legacy—with holding companies, trusts, and documented governance—this conversation gives you the structure and the steps. Subscribe, share this episode with a friend who needs a blueprint, and leave a review with one question you want us to tackle next.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://www.amazon.com/Cant-Touch-This-Diplomatic-Immunity/dp/B09X1FXMNQ https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

In this heartfelt conversation, Amy Wheeler sits down with Shabana Safdari, yoga therapist, teacher, and founder of Yoga with Shabana, based in Bangalore, India. Shabana's journey into yoga began with a deeply personal health scare when her mother was diagnosed with breast cancer. Faced with anxiety and fear, she turned to yoga—first for her own healing, and eventually as a lifelong path of service.Shabana shares:How a health crisis transformed her relationship with her body and inspired her to take charge of her wellbeing.Her experience of nesophobia (fear of illness) and how yoga helped her move from anxiety to resilience.The life-changing impact of yoga therapy on her vertigo, and why she committed to making it her profession.The importance of intention in yoga practice and teaching, and how acts of kindness are integral to true healing.Her philosophy of simple, sattvic living—fresh food, fresh breath, and fresh thoughts—as the foundation of wellness.The role of prāṇāyāma as a bridge between ancient wisdom and modern science, and why she believes it is the most powerful tool for transformation.How she combines yoga therapy, prāṇāyāma, and sound healing in her signature Rest Reset Method to help clients manage stress, recover from burnout, and rediscover joy.Throughout the episode, Shabana emphasizes that yoga is not just postures—it is a holistic system of mindset, lifestyle, compassion, and self-regulation. Her clarity, kindness, and lived wisdom shine through, offering listeners a reminder that true yoga begins with simplicity and intention.Connect with Shabana: Find her on LinkedIn at Shabana Safdari (search Yoga with Shabana). Her website will be launching soon, featuring her offerings, including one-on-one yoga therapy, corporate wellness programs, and sound healing.Interested in advancing your own studies in Yoga Therapy and Ayurveda?Explore these graduate and certificate programs at Maryland University of Integrative Health (MUIH):Master of Science in Yoga Therapy https://muih.edu/academics/yoga-therapy/master-of-science-in-yoga-therapy/Post-Master's Certificate in Therapeutic Yoga Practices (for licensed healthcare professionals) https://muih.edu/academics/yoga-therapy/post-masters-certificate-in-therapeutic-yoga-practices/Post-Baccalaureate Certificate in Ayurveda https://muih.edu/academics/ayurveda/post-baccalaureate-ayurveda-certification/Plus, join us on our Optimal State Mobile App for daily check-ins and simple, easy interventions to help you stay in balance.And explore our Online Community, where you'll receive weekly classes and gain access to a library of classes you can enjoy anytime. Learn more at www.AmyWheeler.com.

Health care is in the spotlight in this episode of the SEANC View podcast. The hosts discuss the State Health Plan's new Lantern program and upcoming town halls, explore rising healthcare costs and competition, and debate Certificate of Need rules and public health responses. They then interview SEANC General Treasurer Timothy Morgan about his 28 years in corrections, staffing and wage challenges, community outreach by districts, and the importance of mental health support and checking in on one another.

In which three well-meaning Atlanta executives accidentally announce their surrender in the cola wars, and Ken reads a letter. Certificate #38738.

Get My Brand Masterlist ⁠https://drchristiangonzalez.com/best-brands-form-2-2/ Get My Green Powder Masterlist https://drchristiangonzalez.com/green-powder-pdf-claim-form/ Episode Description Green powders are everywhere, but most of them are toxic dust with a health halo. Out of 25 green powder companies Dr. Christian Gonzalez investigated, only 6 proved they're actually safe to drink. The rest? 19 companies completely ignored basic safety questions. That means the majority of green powders flooding your feed can't even prove they're free of heavy metals, pesticides, mold, or glyphosate. Green powders promise detox, energy, and vitality. But when they're grown in contaminated soil or processed with high heat, they can do the exact opposite—bioaccumulating toxins in your brain, liver, kidneys, and bones. The very systems you're trying to protect become the targets. Without third-party testing and certificates of analysis, you have no idea what you're actually scooping into your morning routine. And your nervous system is paying the price. In this episode, Dr. G exposes which major wellness brands refused transparency and reveals the only 6 green powder products worth your money in 2025: • Why do greens like spirulina and chlorella absorb heavy metals like lead, arsenic, and cadmium? • Which green powder companies provided full certificates of analysis? • How does processing (freeze-dried vs. heat-dried) destroy up to 70% of nutrients? • What role do green powders play in detoxification, gut health, and mitochondrial function? Timestamps: 0:00 - Intro 1:11 - The Hidden Dangers: Heavy Metals & Toxins in Green Powders 3:24 - How Companies Hide Contamination with Flavoring 6:09 - Certificate of Analysis: The One Test That Matters 7:09 - 19 Brands Failed Basic Safety Questions 8:55 - Dr G Approved Brands 16:55 - Final Verdict

In this episode of FP&A Unlocked, Paul welcomes James Myers, a financial systems and planning expert known for helping organizations modernize their FP&A functions. Drawing from years of experience implementing planning, modeling, and consolidation tools, James breaks down what makes FP&A software implementations succeed or fail. From understanding when your system has reached its limits to managing change and choosing the right implementation partners, James shares the steps every finance leader should take to avoid expensive mistakes.James Myers has led multiple large-scale planning system implementations for global organizations. He specializes in modeling and financial planning solutions that help companies reduce reliance on spreadsheets, improve collaboration, and achieve scalable performance management. His consulting work spans industries including manufacturing, technology, and retail, where he focuses on aligning processes, people, and systems for long-term success.Expect to Learn:The signs your FP&A system is broken and ready for replacementHow to select the right planning or modeling tool for your company sizeThe real cost behind system implementation (and how to plan for it)Why clean data and cross-functional collaboration are essentialBest practices for RFPs, vendor selection, and proof of concept testingHere are a few quotes from the episode:“Reducing reliance on Excel isn't about killing it, it's about freeing up your team to think strategically.” - James Myers“The role of FP&A is to be a true value partner to the business—combining data, strategy, and people.” - James MyersJames Myers reminds us that FP&A transformation is less about tools and more about mindset. By focusing on vision, data quality, and collaboration, finance teams can build systems that scale with their companies instead of holding them back. If you're preparing for a software upgrade or implementation, this episode will help you do it right the first time.Campfire: AI-First ERP:Campfire is the AI-first ERP that powers next-gen finance and accounting teams. With integrated solutions for the general ledger, revenue automation, close management, and more, all in one unified platform.Explore Campfire today: https://campfire.ai/?utm_source=fpaguy_podcast&utm_medium=podcast&utm_campaign=100225_fpaguyFollow James:LinkedIn - https://www.linkedin.com/in/jamesmyersw/Follow Glenn:LinkedIn - https://www.linkedin.com/in/glenntsnyder/Earn Your CPE Credit For CPE credit, please go to earmarkcpe.com, listen to the episode, download the app, answer a few questions, and earn your CPE certification. To earn education credits for the FP&A Certificate, take the quiz on Earmark and contact Paul Barnhurst for further details.In Today's Episode[00:00] - Trailer[01:58] - What Makes Great FP&A[03:17] - Signs Your Current System is Broken[07:03] - The Hidden Cost of Excel Dependency[08:16] - How to Choose the Right FP&A Tool[13:35] - Setting a Vision Before Selecting Vendors[22:52] - RFP and Demo Best Practices[30:36] - Negotiating the Best Deal Without Cutting...

#243Our WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupThis episode is much more than a tale of two HMOs next door to each other just a few of minutes walk away from a large hospital in Wakefield.It features experienced UK property investor Tom Appleton of Cali Living / Ten EquityNo. 48 is a high end 12 - bed HMO targeting doctors at the hospital.It's been up and running with practically no voids since early 2023.So when the chance to buy No. 50 came up, Tom didn't think twice.He's now considering leasing his latest purchase to a provider of accommodation to newly arrived nurses from the Philippines.But there is so much more to the episode than that.We discuss:·       The value of Certificates of Lawful Use for HMOs and the detective work required to gather evidence for them, including statutory declarations and historical documentation.·       Transforming problematic properties through relationship-building with previous agents, local councils, and key stakeholders.·       The benefits and challenges of investing in high-end HMOs near major employers, like hospitals, and attracting professional tenants such as doctors and nurses.·       Strategies for managing tenant churn, maintaining occupancy, and ensuring steady cash flow in large HMOs.·       Exploring alternative strategies for property portfolio management: long-term leases to providers for supported living and service accommodation.·       Role of local councils in connecting investors with accommodation providers.·       Due diligence when leasing to providers: tips on vetting reliability, experience, maintenance & tenant profiles.·       Portfolio long-term planning, including keeping properties maintained and knowing when to pivot from professional HMOs to accommodation for social or supported housing.·       The importance of people and networking in property investing—from building trust with agents to nurturing council contacts, and why “who you know” is as vital as “what you know”.KeywordsUK property investment podcast, Expat property investing UK, HMOs in UK property, Certificates of lawful use property UK, UK property portfolio building, Statutory declaration property evidence UK, Remote property investing UK, Social housing providers UK property, Supported living property investment UK, High end HMO case study UK, Council relationships UK property, Wakefield property investment, Leeds property investing tips, Long term property strategy UK, Passive income property UK, Commercial lease property UK, Due diligence property providers UK, Article 4 property area UK, Doctors and nurses HMO tenants UK, UK property renovation tips, Social housing lease agreements UK, Podcast for expat property investors, Building rapport in UK property, UK property law and planning, Certificate of lawfulness application UK

In this episode, you'll get valuable insights from the CEO of one of the few foundations in the US focused on nonprofit people, not nonprofit programs. Our guest is Maria Cabildo, CEO of The Durfee Foundation. Durfee funds “people and possibilities in Los Angeles county.” Maria served as President and CEO of the East LA Community Corporation for 16 years, where she was the recipient of multiple forms of Durfee support. She has also worked in government and other philanthropic organizations.We discuss Durfee's interlocking funding programs: their signature sabbatical award for nonprofit leaders; the Stanton Fellowship (an R&D opportunity to advance new ideas); Springboard (catalytic support for emerging organizations); and the Lark Awards (collective care and renewal for staff at community-based organizations).Maria also shares insights on why funders should recognize the genius and ingenuity in community-developed solutions to problems; staying grounded in the realities and relationships of grassroots communities as we become powerful professionals; and leading during crisis, and how funders can respond to crises by remaining consistent and stable, while being responsive and stepping-up support for nonprofits.Guest Bio:Maria Cabildo (she/her) is a lifelong Angelena. Born and raised in East Los Angeles. She has a long career in public service. She has held positions in the philanthropic, nonprofit, private, and government sectors, including co-founder and CEO of the East LA Community Corporation (ELACC) from 1999 – 2015. She received both a Durfee Foundation Sabbatical and Stanton fellowship while CEO of ELACC. She holds a bachelor's degree from Columbia University, a master's degree in Urban Planning from UCLA's Luskin School of Public Affairs, and a Certificate in Advanced Environmental Studies from Harvard University's Graduate School of Design. She lives in Eagle Rock with her two adult children and their cats, Milk & Andaluza.Relevant Episodes:Thriving Wages for Community OrganizersNonprofit Staff Resilience and Well-Being in Turbulent TimesBreaking the Silence: Making Leadership Transitions Safe for NonprofitsResources Discussed:The Durfee FoundationSabbatical Program (Related: Creative Disruption Report on funding nonprofit sabbaticals)Stanton Fellowship (Related: What If: Insights from a Decade of Philanthropic R&D)Springboard FundLark AwardsOther organizations discussed:East L.A. Community CorporationNonprofit Sustainability InitiativeTrust-Based Philanthropy Project

In this episode on Certificates of Deposit (CDs) as investments, we talk about the nuanced decision-making involved in purchasing CDs and whether or not CDs are good investments, particularly in a rising interest rate environment, and we explain why interest rates are the only factor you need to consider. Wealth creation isn't solely dependent on CD rates, and we need to consider the impact of inflation and interest rates to gain a comprehensive financial perspective. The episode also explores how government strategies to combat inflation by adjusting interest rates impact not only investors, but also shape the attractiveness of CDs as an investment option. In a rising interest rate environment, buying CDs may seem like a good idea but it depends on your needs and goals. Wealth isn't created by buying a CD based on a rate. It's created by understanding why the rate may not be all that important. Banks look at what is known as the federal funds rate, also known as a benchmark rate. This is the rate banks charge one another to borrow money overnight that's needed to maintain reserve requirements. Upstream in the decision making process is the Federal Open Market Committee or FOMC, who meet throughout the year to discuss and set monetary policy. Within these policies, rates are set and typically linked to inflation. When those rates are set, banks may adjust rates on loans, deposits and certificates of deposit. But just like any business, banks will adjust rates to compete in their market as they seek to cover their costs and maintain a profit. CDs specifically are an attractive tool for banks, because unlike a deposit account, CDs actually lock up customers with a maturity date, which gives banks better control of their cash flow. The higher rates draw in customers seeking to maximize their returns. Rates on CDs matter, but not as much when you factor in inflation and interest rates. If inflation is at 7% and interest rates are at 5%, the net is 2%. The same is true if inflation is at 0% and interest rates are at 2%. You have to look at both numbers to get a full picture. When you consider the gridlock within the housing market and the amount of debt our government holds, it's hard to believe rates can remain elevated over the long term. The government is desperately trying to combat inflation by raising rates. These higher rates not only impact consumers, but they also impact the government. According to the Congressional Budget Office, or CBO, in June of 2023, they projected that annual net interest costs on the federal debt would total $663 billion in 2023 and almost double over the next decade. Interest payments would total around $71 trillion over the next 30 years, taking up to 35% of all federal revenue by 2053. These numbers are impacted by interest rates and with lower rates come lower interest payments, so the government has reasons to see rates lower than they currently are. The question is: Does it make sense to lock in CD rates while rates are high? It depends. If you have money sitting in a bank account that you don't need and the CD rate is offering a higher rate than your savings, then it might be a good option. A good idea is to compare CD rates to other options like fixed annuities and money markets since they share some similarities but also have a few key differences that could make one choice better for your situation. Certificates of Deposit are offered by banks as a savings account that offers a fixed interest rate over a specified period of time, ranging from one month up to five years. They carry penalties if funds are removed before maturity, and they're FDIC insured up to $250,000. Fixed Rate annuities are issued by insurance companies and are financial products that offer a fixed interest rate over a specified period of time. Early withdrawals can incur a penalty, and interest earnings are tax deferred until you start taking distributions. The guarantees are backed by the claims paying ability of the insurance company and are insured by what is known as the State Guarantee Association. Money markets are funds issued by financial institutions that are backed by highly liquid short maturity investments. Maturities usually range from overnight to just under a year, and assets can be quickly converted to cash with minimal loss of value. They are generally considered more risky than a bank, CD or insurance company annuity, and the underlying investments include such things as treasury bills, commercial paper and CDs. While CDs offer the safety of fixed returns, they are not devoid of risks and limitations. It's essential to understand both the micro and macro economic factors that affect CD rates before diving in.      Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja "What to Know About How Banks Work" The State Guaranty Association   References for this episode: https://www.pbs.org/newshour/economy/americans-faith-in-banks-hit-low-after-failures-says-ap-norc-poll https://www.federalreserve.gov/monetarypolicy/reservereq.htm https://fortune.com/recommends/banking/will-cd-rates-go-up https://www.usbank.com/investing/financial-perspectives/market-news/federal-reserve-tapering-asset-purchases.html https://www.pgpf.org/analysis/2023/07/higher-interest-rates-will-raise-interest-costs-on-the-national-debt   Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS.

Certificates are the socks of IT—everyone needs them, and you always lose track of a few. On today’s show we dive into the ACME protocol, an IETF standard to help automate how a domain owner gets a domain validation certificate from a Certificate Authority (CA). Our guest, Ed Harmoush, a former network engineer with AWS... Read more »

Certificates are the socks of IT—everyone needs them, and you always lose track of a few. On today’s show we dive into the ACME protocol, an IETF standard to help automate how a domain owner gets a domain validation certificate from a Certificate Authority (CA). Our guest, Ed Harmoush, a former network engineer with AWS... Read more »

I spoke with Carolina Padilla, an embodiment teacher, CEC course manager and cultural activist from Colombia, about how embodiment can be a force for healing and leadership. We explored how movement, community and ritual help people reconnect to belonging, and how these practices can repair the social and cultural wounds left by colonisation and conflict. Carolina shares her perspective on leading from the body, working with collective trauma, and why cultural context matters when teaching embodiment. See more from Carolina here: instagram.com/coachcarolpadilla ----------------------------------------------- As a special gift for you, our loyal listeners, we are offering $1200 off our flagship course, the Certificate of Embodiment Coaching when you use code: CEC25PODCAST More info here: https://embodimentunlimited.com/cec ----------------------------------------------- Check out our YouTube channel for more coaching tips and our Podcast channel for full episode videos Uplevel your coaching with a free copy of Mark's latest eBook, The Top 12 Embodiment Coaching Techniques  Join Mark for those juicy in-person workshops and events Fancy some free coaching demo sessions with Mark?  Connect with Mark Walsh on Instagram 

Believe it or not, over one-third of college students transfer at least once while earning their degree. So why do so many students assume their first school will be their forever school? Amy and Mike invited college advisor Jaime Smith to share insights on how to plan for your college transfer. What are five things you will learn in this episode? Where do students most commonly struggle when preparing to transfer schools? How easy is it to transfer credits between colleges? What might students do in advance if a potential transfer is in their future? Do transfer students need SAT or ACT scores? Is there a difference between transferring from 2-year or 4-year colleges? MEET OUR GUEST Jaime Smith, M.A., MS.Ed., is a Certified Educational Planner with 25 years of experience in the field of education. After many years of teaching English at the middle, high school, and college levels, Jaime turned to online education and founded a virtual K-12 supplementary education program, Online G3, where she continues to teach gifted and twice-exceptional homeschooled students. As a college advisor, Jaime specializes in transfer admissions, application essays, homeschoolers, neurodiverse learners, and other non-traditional applicants. In 2023, she completed a Post-Master's Certificate in Transfer Leadership and Practice at the University of North Georgia in collaboration with the National Institute for the Study of Transfer Students. Jaime is the author of The Complete Guide to College Transfer. A California native, Jaime now lives in Oregon with her husband and pet bunny. She has one daughter, a former homeschooler turned transfer student who just started grad school.  Jaime previously appeared on the podcast in episode 578 to discuss WHAT YOU SHOULD KNOW ABOUT TRANSFERRING. Learn more about Jaime at TransferSavvy.com and follow her on Linkedin. LINKS Common App for transfer https://www.transferology.com https://www.assist.org The Complete Guide to College Transfer RELATED EPISODES HOW TO BE A SUCCESSFUL COLLEGE FRESHMAN WHAT TO DO WHEN A STUDENT STRUGGLES IN COLLEGE THE UNWRITTEN RULES OF COLLEGE SUCCESS ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright, Roots2Words, and College Eagle. Amy Seeley is the president of Seeley Test Pros and LEAP. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, get in touch through our contact page.  

Show SummaryOn today's episode, we're featuring a conversation with Navy Veteran David Boone, a retired Rear Admiral and President and CEO of the San Diego Military Advisory Council or SDMAC. SDMAC is a nonprofit that advocates on behalf of the service members, veterans, and their families in the greater San Diego region. Provide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestSan Diego Military Advisory Council (SDMAC) President and CEO David Boone is the CEO of SDMAC (sdmac.org) which is a nonprofit that advocates, informs and connects the San Diego military with the community, industry and civic leaders. Previously, he provided consulting services for a wide portfolio of clients in the engineering and construction industry. He was the Executive Vice President and Chief Growth Officer for Michael Baker International responsible for both public and private sector development in the consultant and engineering industry from highway and bridges to water, construction services and planning. Prior to that, he was President of CB&I Federal Services and its successor organization, APTIM Government Services. He joined the CB&I team in December 2013 following a 30 year career in the Navy. He began in Strategic Development, and Business Development then promoted to Chief Operating Officer and then President in the Federal sector of Engineering and Construction, Environmental Services, Energy and Base Operating Services.Mr. Boone retired from the US Navy in 2013 as a Navy Civil Engineer Corps Rear Admiral. His last active duty assignment was the Director of Shore Readiness where he was responsible for overseeing facilities and energy funding and policy for 70 bases worldwide – a $9 billion annual budget. His tours as Commanding Officer included Underwater Construction TEAM ONE (Seabees), NAVFAC MARIANAS (Guam), and NAVFAC Mid-Atlantic.Raised in Yokohama, Japan, high school in Oregon, Mr. Boone first attended the University of Oregon and the Oregon Institute of Marine Biology. He then transferred and graduated from Cal Poly SLO in Civil Engineering with Masters degrees in Coastal Engineering and Construction Management from the University of California, Berkeley. He is a registered professional engineer (Virginia and Florida). He was a Navy contracting officer, a Navy Diver, and maintains a TOP SECRET security classification. He received numerous personal Navy awards, including the Nippon Zenkokai Award from the Office of the Prime Minister of Japan. He is currently a member of the Industry Leaders Council with ASCE Industry Leaders Council | ASCE.Links Mentioned During the EpisodeSan Diego Military Advisory CouncilSan Diego Emergency Action GroupPsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the PsychArmor course Seeking Support. Transitioning from military service can evoke strong emotions. PsychArmor Institute's “Seeking Support” offers service members the tools and resources needed to seek support during and after military transition and into civilian life.   You can find a link to the resource our show notes https://learn.psycharmor.org/courses/Seeking-Support   You can find the resource here:  https://psycharmor.org/podcast/chris-jachemic Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Send us a textPeaches rolls solo in this scorched-earth episode of Ones Ready—no filters, no fluff. He lights up everything from the Air Force's new SWAS 2.0 gut-check to the Navy's Medal of Honor cover-up and the ridiculous “high-stakes leadership certificate” that's basically a digital participation trophy for wannabe operators.He calls out politicians, pokes fun at the government shutdown circus, and questions why Airmen need morale patches like emotional support blankets. Then he drops a hard truth: you're either ready for life or you're not.This is Peaches at his finest—equal parts rage, logic, and humor. If you're thin-skinned, skip it. If you're tired of fake motivation, buckle up.⏱️ Timestamps: 00:00 – Medal of Honor truth bombs: Peaches calls out the SEAL myth. 02:00 – The Ones Ready crew “too busy F-offing” while Peaches runs the show. 03:00 – Vegas Operator Training Summit: no smoke sessions, just skill. 06:00 – SWAS 2.0 surprise gut-check—“Did you forget?” 09:00 – Reality check: pain, dehydration, and why you need to love the suck. 13:00 – Heat casualties and the myth of “easy training.” 15:00 – Government shutdown rant: “They're all pieces of crap.” 17:00 – Air Force politics & predictions: sending in “The Wolf.” 22:00 – Morale patches vs. personal accountability—why no one owes you happiness. 30:00 – Everyday readiness: Airmen saving lives outside Eglin AFB. 37:00 – Fitness isn't for vanity—it's for saving lives (or your own). 38:00 – “High-stakes leadership certificates”—Peaches nukes the SEAL masterclass. 46:00 – The unpopular truth about Chapman, Slabinski, and accountability. 50:00 – Final rally: train smart, show up ready, and stop expecting pity.

Join Nate Thurston in this solo edition of Good Morning Liberty as he covers the end of the longest government shutdown in U.S. history. Nate discusses the Senate vote and the implications of the compromise used to reopen the government. He shares his thoughts on the overall messiness of the political situation, including the impact on health insurance, layoffs of federal workers, and the proposed extended health insurance tax credits. Nate explores Trump's new proposals over the weekend, like $2,000 stimulus checks from tariff money, 50-year mortgages, and bonuses for air traffic controllers. He addresses the issues surrounding Obamacare, Bernie's critique of recent decisions, and investigates the real impact of the Affordable Care Act on health insurance stock prices. Nate also proposes alternative solutions for healthcare reform, focusing on health savings accounts, interstate insurance sales, and more efficient market-based strategies. 00:00 Intro 00:43 Government Shutdown Update 01:45 Political Commentary and Personal Views 02:22 Senate Moves to End Shutdown 03:59 Impact of Shutdown on Federal Workers 06:15 Trump's Weekend Proposals 07:41 Critique of Trump's Strategy 08:27 Shutdown Winners and Losers 09:50 Obamacare Subsidies Debate 14:33 Economic Implications of Shutdown 19:33 Trump's Tariff Stimulus Proposal 32:53 Health Insurance Companies and Obamacare 43:20 Radical Healthcare Reform Ideas 43:42 The Role of HSAs in Healthcare 47:00 Government's Role in Healthcare 49:33 Employer-Provided Healthcare and Tax Implications 52:33 Price Transparency and Market Competition 56:22 State Mandates and Insurance Across State Lines 01:01:49 Certificate of Need Laws 01:09:52 Preexisting Conditions and Risk Pools 01:14:55 Taxation in Healthcare  

Planet Buzz's episode "JUPITER TRINE SATURN" shapeshifting new realms of consciousness within the collective unconsciousness.Jupiter and Saturn form a cultural alliance as their orbits connect every 20 years. The last was on Dec 21, 2020 at 0 degrees Aquarius. A pivotal point as Pluto ingressed Aquarius five times between 2023 and 2024. However, Jupiter and Saturn introduced a larger new cycle of the next 200 years of their conjunctions in air signs. This shift from the material earth orientation of practical form upsets social context entering the communicative connections of thought and relationships. However, we are approaching a few years of their energies flowing in a trine. We can anticipate focused visionary manifestation, especially since they are now in intuitive feeling, emotional water signs.Talk Cosmos Planet Buzz brings together Special Guests from around the USA and the world to discuss subjects concerning us all.Robert Pacitti of Pennsylvania joins host Sue Minahan of Kailua Kona. Stay connected and subscribe to TalkCosmos.com to catch new episodes weekly through YouTube, Facebook, radio, and podcast platforms.ROBERT PACITTI: A professional consulting astrologer and the visionary behind Deep Earth Astrology. Specializing in vibrational and psychological techniques, he has honed his craft under the tutelage of mentors Linda Berry, Sarah Fuhro, Margaret Gray, and Yvonne Tarnas. Email: deepearthastrology@gmail.com Infusing his practice with a deep connection to nature spirituality, Robert holds the title of Grand Pendragon in the Ancient Order of Druids in America and is the Director of the MAGUS Gathering in Gore, Virginia. In 2025, he will be releasing the Deep Earth Astrology Tarot, a divination tool and teaching aid that integrates astrology, herbalism, and nature reverence. Facebook page for deepearthastrology. Website: Deep Earth Astrology.SUE ROSE MINAHAN: an Evolutionary Astrologer Consultant, speaker, writer, workshops. Vibrational Astrology student, Dwarf Planet Astrology graduate & tutor, Kepler Astrologer Toastmasters charter member. Member, WineCountrySpeakers.org, Associate of Fine Arts Music Degree, a Certificate of Fine Arts in Jazz. Mythology enthusiast, Musician, Artist. Founder of Talk Cosmos since April 7, 2018, weekly insightful conversations to awaken heart and soul consciousness. Season 8 on YouTube, Facebook, radio & podcasts.#sueroseminahan #sueminahan #astroweather #youtubepodcast #astrologers #planetbuzz #talkcosmos #KKNWAM #kknw1150 #radio #podcast #youtube #astrologyfacts #spirituality#spiritualawakening #deeptalk #thoughtprovoking #spiritualgrowth #astrologywisdom #astrologyfacts #astrologytips #astrologyinsights # #uranusingemini #mythicskyastrology #neptunepisces #astrologyguidance #Pisces #Astrology #CosmicEnergy #CollectiveUnconscious #RetrogradePlanet #SpiritualAwakening #AstrologicalEvents #CosmicConsciousness #CelestialCycle #AstroTalk #CosmicDiscussion #Metaphysical2025 #RobertjPacitti #robpacitti #deepearthastrology #jupitertrinesaturn #grandconjunctionTalk Cosmos is your opportunity to ponder realms of what Carl Jung called the collective unconsciousness that's shared through time to the present…all through the lens of Sue's lifetime of peering into astrology.“Thankfully, I discovered Evolutionary astrology. Its perspective points directly to our unique personal spiritual soul growth…driven by our aligned intentions. Its promising purpose of soul growth ignited an entirely alive Zodiac. Captured, I felt compelled to study the deep significance of astrological application,” said Sue.Discover the energy that is Talk Cosmos, every Sunday from 1 p.m. to 2 p.m. right here on Alternative Talk 1150!Contact https://talkcosmos.com for weekly schedule, blog, and information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This special podcast with Karen & Janet features two Veterans who are local real estate experts who tell us everything we need to know when it comes to VA Loans! The podcast starts with Mike Robb who served 24 years in The Navy along with Jeff Wattenbach who is a 20 year Veteran of The Seabees. Mike Robb is with Epic Realty and helps VA clients with Zero Down & Zero Cost loans that can even prepay HOA costs. Jeff Wattenbach tells us about VA Loans, the importance of Certificates of Eligibility DV-214 documents Assumable & Assumptive VA Loans too. Jeff & Mike dispel myths about VA Loans, they are Veterans & VA Loans are their specialty. Tell every Veteran who is looking to buy or sell to listen to this GOTA podcast!  Wrapping up the show is Casey, owner of Skin Love By Lulu. Casey has created  a comfortable and relaxing skin scare facility in Camarillo that includes Custom facials, relaxation, dealing with stress using the products that work for you and she has a special discount for Veterans listen in to find out more! Another awesome podcast from Karen & Janet!

Send us fan responses! The fastest way to lose your power is to give it away with your signature. We unpack how that happens every day—through forms, licenses, and registrations—and what it takes to reclaim control with private trusts, family covenants, and clear jurisdiction. From the opening beat, we ground the conversation in value-for-value boundaries, the reality that time is a resource, and why your name already functions like a business in the public.We walk through the practical effects of operating under a public trust tied to labor, then flip the lens to the private side: contracts, covenants, and family law that predate corporate governance. You'll hear how to think like a private family, not a public dependent; why nationality and allegiance matter; and how lineage, records, and tribal identity anchor your authority. We explore concrete steps: document your family story, keep internal agreements, and build entities that manage assets, disputes, and succession on your terms. Along the way, we preview our Atlanta training with trust attorneys, credit experts, and private practitioners teaching status correction, 508(c)(1)(a) structures, holding companies, offshore options, and grant strategy.Money talk gets real when it meets accounting. We break down why every debt is an account, how GAAP fundamentals protect you, and where contract law intersects with liability assignment, business credit, and lawful tax credits. You'll leave with a sharper map: when to stay private, when to interface with the public, and how to keep clean books that reflect intent, not chaos. If you've felt the gap between hard work and lasting wealth, this conversation connects the dots between structure, status, and legacy.Ready to operate with clarity and build a protected family enterprise? Subscribe, share this with someone who needs the blueprint, and leave a review with your top question so we can go deeper next time.https://donkilam.com FOLLOW THE YELLOW BRICK ROAD - DON KILAMGO GET HIS BOOK ON AMAZON NOW! https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Episode Summary: What does it mean to live in alignment with your soul's purpose—especially when the world feels upside down? In this powerful and inspiring conversation, Amy sits down with astrologer, intuitive guide, and author Madi Murphy to explore how to harness life's cosmic curveballs, leave the comfort zone, and step into your fullest, most authentic self.Madi shares how astrology can act as a “GPS for the soul,” guiding us through both personal transformation and collective upheaval. Together, Amy and Madi dive into the themes of Sacred Rage as a catalyst for change, the necessity of setting clear boundaries, and why “quiet revolutions” are already taking root across the globe.You'll hear about:·        How Pluto in Aquarius marks a 20-year cycle of transformation, innovation, and power to the people.·        Why sacred rage—channeled wisely—can be a force for justice, creativity, and healing.·        The art of saying “no” without over-explaining, and the empowerment that comes from it.·        Why grassroots movements and personal authenticity will shape the next chapter of our collective story.·        Practical ways to plant seeds for the future, even if you're not the loudest voice in the room.This episode is both an invitation and a call to action: to fortify your values, live authentically, and play your part in shaping a more empathetic and connected future. Whether you're navigating a personal rebirth or tuning into the shifting tides of our world, this conversation will leave you inspired, grounded, and ready to claim your cosmic zone.About Madi Murphy: Madi Murphy is an astrologer, intuitive, shamanic practitioner, and author of In the Cosmic Zone. With a gift for blending the mystical with the practical, Madi helps clients align with their “divine assignment” through astrology, intuitive insight, and grounded, actionable tools.Resources & Links:·        Connect with Madi Murphy: https://www.instagram.com/thecosmicrx/?hl=en ·        In the Cosmic Zone – https://www.penguinrandomhouse.com/books/782212/in-the-cosmic-zone-by-madi-murphy/  ·        Follow Amy Wheeler and The Yoga Therapy Hour: www.TheOptimalState.com  Plans of Study for NDMU Yoga Therapyhttps://livendm.sharepoint.com/sites/Academics/SitePages/Yoga-Therapy-Plans-of-Study.aspx?csf=1&web=1&share=EeZhGMscDMFOl1Lk0PD6gOsBTxvKkWvbfjhHLmMMuNpLFw&e=ApOX4h&CID=45c542e6-5528-4c68-a8ac-5596fb4fc161School of Integrative Health at NDMU: https://www.ndm.edu/academics/integrative-healthMaster of Science in Yoga Therapy at NDMU https://www.ndm.edu/academics/integrative-health/yoga-therapy  Explore NDMU's Post-Master's Certificate in Therapeutic Yoga Practices, designed specifically for licensed healthcare professionals.  https://www.ndm.edu/academics/integrative-health/yoga-therapy/post-masters-certificate-in-therapeutic-yoga-practices Try our Post-Bac Ayurveda Certification Program at NDMU: https://www.ndm.edu/academics/integrative-health/ayurveda/post-baccalaureate-ayurveda-certification #IntegrativeHealth #HealthcareEducation #InterprofessionalEducation #GraduateSchool #NDMUproud #SOIHproud #SOIHYoga #SOIHAyurveda #NDMUYoga #NDMUAyurveda #SOIHGraduateSchool

The Willing : Gay Smith in his own words: I was born in Hayward, California; after high school, I joined the Naval Air Reserve and entered the electrical construction trade. I started my own electrical construction company in 1978. This became a large company doing large industrial jobs throughout the United States until my retirement in 2011 when I began writing. I am the author of the Warren Steelgrave series of five five-star novels and a book of short stories. I am working on the sixth in the series. In addition, I am an award-winning professional photographer with works in private and public collections and the holder of three patents. I was accepted to the 1983 Ansel Adams workshop to study with Ansel Adams, Ruth Bernhard, Lucien Clergue, and others. I also served as a member of the advisory committee for the Connections Leadership Project for the State of California from 1993 - 1995; I was asked to submit three articles. All three were accepted and published in the book Options. I have served on the Board of Trustees Saint Rose Hospital 2003- 2010 and Board of Trustees Vice Chairman Saint Rose Hospital. 2011- 2014. Currently, I serve as Director of Scholarships for the Peter Sategna Educational Foundation. A family foundation I established in 2008 that gives out fifty thousand dollars in grants every year. I have received the following honors; Elected into the Y.M.C.A. Hall of Partners1988, Outstanding Rotarian of the Year 1991, Vocational Service Award 2000, Community Service Award 2000, City of Hayward Business Award 2001, Hayward Volunteer Recognition Award 2001, Certificate of Special Congressional Recognition 2001, Directed the Ghana Well Project 2002 which installed three hundred wells in Ghana GaryBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-x-zone-radio-tv-show--1078348/support.Please note that all XZBN radio and/or television shows are Copyright © REL-MAR McConnell Meda Company, Niagara, Ontario, Canada – www.rel-mar.com. For more Episodes of this show and all shows produced, broadcasted and syndicated from REL-MAR McConell Media Company and The 'X' Zone Broadcast Network and the 'X' Zone TV Channell, visit www.xzbn.net. For programming, distribution, and syndication inquiries, email programming@xzbn.net.We are proud to announce the we have launched TWATNews.com, launched in August 2025.TWATNews.com is an independent online news platform dedicated to uncovering the truth about Donald Trump and his ongoing influence in politics, business, and society. Unlike mainstream outlets that often sanitize, soften, or ignore stories that challenge Trump and his allies, TWATNews digs deeper to deliver hard-hitting articles, investigative features, and sharp commentary that mainstream media won't touch.These are stories and articles that you will not read anywhere else.Our mission is simple: to expose corruption, lies, and authoritarian tendencies while giving voice to the perspectives and evidence that are often marginalized or buried by corporate-controlled media

In which mail, cash, trash, passengers, burgers, and cats are sent zipping through vast networks on puffs of compressed air, and John would like to be sent a horny landscaper. Certificate #46257.

In this episode of FP&A Unlocked, Paul is joined by strategic advisor and podcast host Moataz Mukhaimer to explore the intersection of finance and strategy, where true business impact is made. With over 20 years of experience guiding SMEs, family-owned businesses, and startups across the Middle East, Moataz explains why finance professionals must step beyond Excel and deeply understand the business to add real value. From diagnosing problems through numbers to designing KPIs that reflect a company's vision, this episode is a masterclass in how FP&A can lead, not just support.Moataz Mukhaimer is a strategic and financial advisor with over 20 years of experience supporting SMEs across the MENA region. A graduate of McGill University (MBA) and Boston University (BA in Accounting & Finance), he specializes in helping businesses identify challenges and align strategy with execution. His client portfolio spans sectors including retail, med-tech, e-commerce, ed-tech, manufacturing, and software.Expect to Learn:Why cash from operations is the true measure of business valueHow to design KPIs that align with both strategy and financial outcomesWhy most pricing problems are rooted in poor positioning, not high costsHow to diagnose problems through both numbers and conversationsThe two most important habits for connecting finance with strategyHere are a few quotes from the episode:“Most companies aren't overpricing, they're underpricing and positioning poorly.” - Moataz Mukhaimer“Cash from operations is the truest form of value creation.” - Moataz MukhaimerMoataz Mukhaimer reminds us that the power of FP&A lies in understanding the whole business, not just the numbers. By aligning strategy with financial planning, simplifying KPIs, and focusing on communication, finance professionals can become essential partners in growth. If you're ready to elevate your impact, this episode is for you.Campfire: AI-First ERP:Campfire is the AI-first ERP that powers next-gen finance and accounting teams. With integrated solutions for the general ledger, revenue automation, close management, and more, all in one unified platform.Explore Campfire today: https://campfire.ai/?utm_source=fpaguy_podcast&utm_medium=podcast&utm_campaign=100225_fpaguyFollow Moataz:LinkedIn - https://www.linkedin.com/in/moataz-mukhaimer/Website - https://moatazmukhaimeradvisory.com/Earn Your CPE Credit For CPE credit, please go to earmarkcpe.com, listen to the episode, download the app, answer a few questions, and earn your CPE certification. To earn education credits for the FP&A Certificate, take the quiz on Earmark and contact Paul Barnhurst for further details.In Today's Episode[04:05] - What Defines Great FP&A?[05:56] - Great Planning in Action[08:40] - Cash Flow is Queen[14:15] - Why Budgeting Often Fails[26:45] - Pricing: The Hidden Problem[30:04] - Moataz's Four-Part Strategy Framework[33:07] - Diagnosing Problems Through People and Numbers[36:27] - Advice for Connecting Finance to Strategy[40:09] - Hosting Business Talk and Giving Back[43:36] - FP&A Fast Five[48:31] - Final Advice:...

Uncovering the deep connection between Buddhism and Martial Arts, Damiano Seiryū Finizio joins Vincent Moore to explore what it truly means to face our most powerful opponent: the mind.This conversation was originally recorded on Paths of Practice Podcast. Listen to more episodes HERE.Today's podcast is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/beherenow and get on your way to being your best self.This time on the BHNN Guest Podcast, Damiano and Vincent discuss:What initially brought Damiano to Buddhism after growing up in Italy, a predominantly Catholic countryHow Buddhism can be harmonious with martial arts Working on self-development and mutual growth rather than sparring Maintaining perfect mental presence during times of physical discomfort Following the Buddhist precepts and adopting a vegan diet for the principal of no-harmMountains as natural energy centersDamiano's global work and exposure to unique cultures in Vietnam, Cambodia, The Canary Islands, and moreBringing the message of peace, awareness, and compassion into the westDamiano's advice for beginners walking the Buddhist pathAbout Damiano Seiryū Finizio:Damiano Finizio was born in Italy in 1992. He began practicing traditional Japanese martial arts in 2012, where he met the Buddhist monk Seiun, who transformed his curiosity for Eastern disciplines and philosophies into dedicated practice. In 2014, he officially took refuge in the Dharma at Tenryuzanji Temple, receiving the name Seiryu, symbolizing his deep bond with his teacher and the temple. Since 2020, he has been living and working in Spain as a hostel owner, while also working seasonally in Italy and Croatia as a trip leader during the warmer months. Despite his commitments, he remains an active member of the Tenryuzanji community and continues to participate in its activities whenever possible.For more information about Tenryuzanji Temple, please click HERE. To keep up with Damiano, visit his Instagram.“The advice is don't do it yourself. It's very likely to happen that you're trying to tame your mind, but if you don't know how to do it, most likely your mind will tame you and make you feel like you're moving forward, but you're just looking for comfort. This is why a teacher is important.“ –Damiano Seiryū FinizioAbout Vincent Moore:Vincent Moore is a creative and creative consultant living in San Francisco, California, with over a decade of experience in the entertainment industry and holds a graduate degree in Buddhist Studies. For years, he performed regularly at the Upright Citizens Brigade Theatre, an improv and sketch comedy theatre based in New York and Los Angeles. As an actor, Vincent performed on Comedy Central, The Tonight Show Starring Jimmy Fallon, The Late Show with Seth Meyers, Above Average, and The UCB Show on Seeso. As a writer, he developed for television as well as stage, including work with the Blue Man Group, and his own written projects have been featured on websites such as Funny or Die. Additionally, he received a Masters of Buddhist Studies from the Institute of Buddhist Studies with a Certificate in Soto Zen Studies and engages in a personal Buddhist practice within the Soto Zen tradition. Vincent is also the creator and host of the podcast, Paths of Practice, which features interviews with Buddhists from all over the world. Learn more on Vincent's website HERE.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

DEAR PAO: Withholding of death certificate of patient due to unpaid hospital bills | Nov. 7, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

In the West, the term "God" has become virtually a placeholder, a moniker kept pristinely vacant. Even Christians have been known to treat the scriptures as butterflies to pin, probe and prod, comb and codify, until some "value" can be extracted. For the Church Fathers, things worked differently. They came to scripture armed with convictions about God, which in turn provided the framework and habitat in which they incubated their biblical theology and cultivated a genuinely ecclesial culture. What might it mean to retrieve patristic culture-craft — the formation of communal life that flowed from their inhabiting the Bible — in the midst of contemporary secular society?Join Sam Fornecker for a second conversation with Stephen Presley, Senior Fellow for Religion and Public Life at the Center for Religion, Culture & Democracy and associate professor of church history at The Southern Baptist Theological Seminary, on his recent book, Biblical Theology in the Life of the Early Church (Baker Academic, 2025), on how the Church can learn from our ancient grandparents the liturgical, sacramental, and storied habit of scriptural engagement necessary to renew the Church in her vocation of "culture-craft" today.Enjoying this podcast? To keep abreast of what's going on at The Ridley Institute, or to learn more about opportunities to grow and train for Christian discipleship and mission, connect with us online: Website: ⁠⁠⁠⁠⁠⁠https://ridleyinstitute.com/⁠⁠⁠⁠⁠⁠. Twitter: ⁠⁠⁠⁠⁠⁠@RidleyInstitute⁠⁠⁠⁠⁠⁠. To learn about training for Anglican gospel work, check out Ridley's ⁠Certificate in Anglican Studies⁠, and other ⁠lay theological formation offerings⁠.

I spoke with Dr. Kandis Lock about what true healing looks like in a time of quick fixes and chronic stress. We explored how naturopathic medicine approaches health through connection - between body systems, emotions, lifestyle and environment. Kandis shared insights from her clinical experience, including the patterns she sees again and again in modern illness, and why many people don't really need more pills - they need better awareness, rhythms and rest. We also talked about working with patients who feel stuck, the limits of Western medicine, and what holistic care looks like when it's done right. Read more about Kandis' work here: http://www.kandislocknd.ca/ ----------------------------------------------- Dr Kandis Lock has been a Naturopath for over a decade, treating a wide spectrum of diseases with a special interest hormonal health, digestive concerns, and general well-being. She uses botanical (herbal) medicines, Traditional Chinese Medicine, clinical nutrition and prescription hormones. She also believes in the importance of an integrative approach to medicine and will work with your MD, specialists, and other health care practitioners. Dr. Kandis Lock, ND is registered with the College of Naturopaths (CONO) and is a member in good standing of the Ontario Association of Naturopathic Doctors (OAND) and the Canadian Association of Naturopathic Doctors (CAND). She is also a former mentee of Mark Walsh and a current teacher on the Certification of Embodiment Course.  ----------------------------------------------- As a special gift for you, our loyal listeners, we are offering $1200 off our flagship course, the Certificate of Embodiment Coaching when you use code: CEC25PODCAST More info here: https://embodimentunlimited.com/cec ----------------------------------------------- Check out our YouTube channel for more coaching tips and our Podcast channel for full episode videos Uplevel your coaching with a free copy of Mark's latest eBook, The Top 12 Embodiment Coaching Techniques  Join Mark for those juicy in-person workshops and events Fancy some free coaching demo sessions with Mark?  Connect with Mark Walsh on Instagram 

How do you succeed in graduate school? Whether you're currently a graduate student or you're considering a graduate program for the future, you've probably had this question bouncing around in your head. Luckily, today's episode of Work Like A Laker is here to help. Host Megan Riksen is joined by Erica Hamilton, Vice Provost for Distributed Learning and Dean of The Graduate School at GVSU, and Molly Landa, current GVSU Graduate Student. Together, they'll discuss the secrets to succeeding in graduate school and how you can make the absolute most of your graduate program experience. Read the full transcript here. Resources:  GVSU - The Graduate School GVSU - Graduate Degree Programs and Certificates #graduateschool #graduateprograms #gradstudent #gvcareers #success #education #worklikealaker

Pippa speaks to Paula Phukuje, a Labour Law Specialist at Fairbridges Wertheim Becker Attorneys, about sick notes, what does and doesn’t need to be on them, and whether employers have the right to challenge them. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this episode of The Digital Executive, host Brian Thomas sits down with Tim Callan, Chief Experience Officer at Sectigo and one of the leading voices in SSL and PKI technology. With over 20 years shaping the standards of digital trust, Tim unpacks how the invisible infrastructure behind certificates and encryption keeps our digital world secure.Tim explores the coming shift toward shorter certificate lifespans, why automation is essential for enterprises, and how post-quantum cryptography (PQC) will reshape cybersecurity in the near future. He also dives into the evolution of digital identity—from enterprise systems to personal digital wallets—and how encryption can both empower privacy and resist misuse.Whether you're a tech leader, IT professional, or digital security enthusiast, this episode offers a rare look into the technologies protecting our connected future.If you liked what you heard today, please leave us a review - Apple or Spotify. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join host Sue Rose Minahan and special guest Jen Sachs for a potent fireside chat: "PLUTO MYTHOS." Rather than simply an astrological discussion; it's an invitation to explore the profound, metamorphic journey the soul is often required to undergo to evolve. Pluto is the cosmic architect of endings and powerful new beginnings—the planet that demands we shed what no longer serves us to make way for the brilliant, undeniable new evolved experience.As the modern ruler of Scorpio, Pluto mythologically stands as the third brother to Neptune (the oceans) and Zeus/Jupiter (the heavens). He rules the underworld, where the deceased dwell and where treasures reside. (Mars remains the traditional ruler of Scorpio.)This conversation aligns perfectly with potent November 2025 transits. Mercury retrogrades back into Scorpio to join a four-planet stellium with the Sun, Moon, and Venus. Furthermore, the November 20th New Moon in Scorpio will form a grand water trine with Neptune in Pisces and Jupiter in Cancer. This is a powerful, collective invitation to drop within and shapeshift inner darkness into guiding light.Essentially Pluto signifies profound endings and powerful new beginnings that accelerate our evolutionary journey. Expect a spontaneous and thought-provoking collaborative discussion that will illuminate these potent moments of transition!Joining Talk Cosmos founder and eclectic evolutionary astrologer Sue Rose Minahan of Kailua Kona, Hawai'i will be special guest Jen Sachs, of Seattle, WA. Speaker bios are listed below and on the Talk Cosmos website. Stay connected and subscribe today at TalkCosmos.com to access all new episodes across YouTube, Facebook, radio, and podcasts."JEN SACHS: is a certified astrologer (AFA) and tarot reader (Biddy Tarot) with over 20 years of experience. Her work blends cosmic insight with lived wisdom, shaped by a lifelong quest for understanding and a late-in-life diagnosis of autism and ADHD at 38 - this unique perspective deepens her connection with astrology. She channels her lived experiences and continued studies to help others rebuild their narratives with self-compassion and strong, supportive boundaries. Her approach is intuitive, empowering, and unapologetically real. After two decades of private practice, she's now expanding her reach through social media and is excited to be sharing her work with a broader audience. Website: Jensachsastrology.comSUE ‘Rose' MINAHAN: Evolutionary Astrologer, Consultant, Writer, Workshops, Speaker, Mythologist. Dwarf Planet University graduate and teacher assistant; Vibrational Astrology Student, Kepler Astrology Toastmaster charter member. Member Wine Country Speakers. Associate of Fine Arts Music Degree, & a Certificate of Fine Arts in Jazz. Artist, musician. Founder of Talk Cosmos weekly insightful conversations awakening heart and soul consciousness. 2025 Season 8. Website: TalkCosmos.com and YouTube.com/ @talkcosmos.#talkcosmos, #sueroseminahan, #sueminahan #facebooktalkcosmos, #youtubetalkcosmos, #kknwam1150, #astrology, #astrologycycles #astrologywisdom #jensachs #jensachsastrolog #astrologyfacts #astrologyinsights #astrologypodcasts ##youtubeconversation #astrologytips #converesationsdeep #scorpio #scorpioseason #pluto #mythology #hades #underworld #persephone #ceres #Inanna #transformationSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Financial Advisor Jayson Thornton, CFP® — REACTS! Money Q&A Jayson M. Thornton, CFP® is an award winning Financial Advisor, specializing in Tax & Wealth Planning. He is a CERTIFIED FINANCIAL PLANNER ™ professional and Enrolled Agent (EA). Jayson earned his Bachelor's Degree from Missouri Valley College (Cum Laude, Honors Graduate) and his Certificate in Financial Planning from Howard University School of Business.*Disclaimer*Financial Coaching during Livestreams is NOT personal investment advice, No CFP-Client relationship is established by submitting a question by email or text in live chat.https://www.pocketwatcher.netPocketWatcherJT@gmail.comCash APP $PocketWatcherJTFollow ig @JTPocketWatcher*ALL CONTENT OWNED & PRODUCED BY POCKET WATCHER LLC*

Financial Advisor Jayson Thornton, CFP® — REACTS! Money Q&A Jayson M. Thornton, CFP® is an award winning Financial Advisor, specializing in Tax & Wealth Planning. He is a CERTIFIED FINANCIAL PLANNER ™ professional and Enrolled Agent (EA). Jayson earned his Bachelor's Degree from Missouri Valley College (Cum Laude, Honors Graduate) and his Certificate in Financial Planning from Howard University School of Business.*Disclaimer*Financial Coaching during Livestreams is NOT personal investment advice, No CFP-Client relationship is established by submitting a question by email or text in live chat.https://www.pocketwatcher.netPocketWatcherJT@gmail.comCash APP $PocketWatcherJTFollow ig @JTPocketWatcher*ALL CONTENT OWNED & PRODUCED BY POCKET WATCHER LLC*

Financial Advisor Jayson Thornton, CFP® — REACTS! Money Q&A Jayson M. Thornton, CFP® is an award winning Financial Advisor, specializing in Tax & Wealth Planning. He is a CERTIFIED FINANCIAL PLANNER ™ professional and Enrolled Agent (EA). Jayson earned his Bachelor's Degree from Missouri Valley College (Cum Laude, Honors Graduate) and his Certificate in Financial Planning from Howard University School of Business.*Disclaimer*Financial Coaching during Livestreams is NOT personal investment advice, No CFP-Client relationship is established by submitting a question by email or text in live chat.https://www.pocketwatcher.netPocketWatcherJT@gmail.comCash APP $PocketWatcherJTFollow ig @JTPocketWatcher*ALL CONTENT OWNED & PRODUCED BY POCKET WATCHER LLC*

Send us fan responses! If every document you flash is a key, which door are you unlocking: private control or public custody? We dive into the uncomfortable idea that “everything is taxes,” exploring how identity, status, and registration route you into the venues that decide your fate. From the first minutes, we challenge the reflex to treat IDs, car titles, and Social Security numbers as neutral tools. Each one announces a capacity, and that capacity carries tax consequences, venue selection, and limits on your options when conflict hits.We break down the practical difference between legal title and equitable title and why probate becomes the tollbooth for assets acquired in the public lane. You'll hear a roadmap for moving more private: structuring family and trust records, choosing identity proofs that align with your intended jurisdiction, and creating the paperwork that demonstrates control because you created it. We unpack how groups like Amish communities rely on baptismal records and family bibles, and we extend that logic to tribal forums, religious courts, and private associations that keep their own membership cards and governance. If you want a jury of your peers, first define “peers” with credible, consistent records.Language is a compass, so we pause on terms like attorney, creator, and redemption to show how commerce encodes power into paperwork. If “United States business” is the capacity you adopt when you claim certain statuses, then registration can feel like clocking in as state property. The pivot is simple: decide your status with intent, align your daily tools to that choice, and build continuity your heirs can rely on. This is a candid, no-sugarcoat guide to status, title, and tax positioning, aimed at listeners who want to protect wealth, avoid preventable court entanglements, and pass assets without friction.Ready to rethink your paperwork and reclaim control? Follow the show, share this episode with someone leveling up, and leave a review with the one change you'll implement this week.https://donkilam.com https://open.spotify.com/track/5QOUWyNahqcWvQ4WQAvwjj?autoplay=trueSupport the showhttps://donkilam.com

Episode Summary: In this intimate and empowering conversation, Amy Wheeler sits down with yoga therapist, postpartum doula, and mother of two, Alexi Neal, to explore what happens when the yoga practice you've loved for decades no longer serves your body in the same way.Alexi shares her journey from starting yoga at age 12, falling in love with the strength and presence it gave her, to discovering—through chronic pain, pelvic dysfunction, and motherhood—that her hypermobility was both a blessing and a challenge. She opens up about the difficulty of letting go of deep, stretchy poses that felt emotionally nourishing but were damaging her SI joints and pelvic stability.The conversation dives into:How cultural narratives around motherhood and women's health leave many women without the support they needThe physical and emotional realities of hypermobility and pelvic floor dysfunctionWhy heavy strength training became a surprising but essential part of Alexi's healing and empowermentHow honoring boundaries in movement is an act of self-respect and long-term sustainabilityThe “village” mindset and how it applies not only to mothering but to self-careAlexi's story is an invitation to listen deeply to your body, to adapt your practice as life changes, and to recognize that true yoga is not performance—it's about honoring what supports your wholeness today.Connect with Alexi Neal:Website: soulfulsomatics.com (Soulful with two L's)Instagram: @soulfullexi Plans of Study for NDMU Yoga Therapyhttps://livendm.sharepoint.com/sites/Academics/SitePages/Yoga-Therapy-Plans-of-Study.aspx?csf=1&web=1&share=EeZhGMscDMFOl1Lk0PD6gOsBTxvKkWvbfjhHLmMMuNpLFw&e=ApOX4h&CID=45c542e6-5528-4c68-a8ac-5596fb4fc161School of Integrative Health at NDMU: https://www.ndm.edu/academics/integrative-healthMaster of Science in Yoga Therapy at NDMU https://www.ndm.edu/academics/integrative-health/yoga-therapy  Explore NDMU's Post-Master's Certificate in Therapeutic Yoga Practices, designed specifically for licensed healthcare professionals.  https://www.ndm.edu/academics/integrative-health/yoga-therapy/post-masters-certificate-in-therapeutic-yoga-practices Try our Post-Bac Ayurveda Certification Program at NDMU: https://www.ndm.edu/academics/integrative-health/ayurveda/post-baccalaureate-ayurveda-certification #IntegrativeHealth #HealthcareEducation #InterprofessionalEducation #GraduateSchool #NDMUproud #SOIHproud #SOIHYoga #SOIHAyurveda #NDMUYoga #NDMUAyurveda #SOIHGraduateSchool 

Tony chats with Peter Teresi, Co-Founder & CEO at Certificial, they are a network that sits between insurance and all other verticals focused on the certificate of insurance process from a PDF (that often needs to be made multiple times and only proves the policy was active at the time it got made) to a living document that is a truly smart Certificate of Insurance.Peter Teresi: https://www.linkedin.com/in/pete/Certificial: https://www.certificial.com/Video Version: https://youtu.be/FEaZ2H5NfsA

In which a Wyoming-educated economist gets big in Japan by inventing modern business theory, and Ken wants to be able to wince on a call. Certificate #36485.

In this episode of FP&A Unlocked, Paul and Glenn are joined by Carl Seidman to explore a powerful but often overlooked role in finance: being a teacher. Drawing from decades of experience across consulting, education, and finance leadership, Carl discusses how FP&A professionals must learn to teach, whether it's helping executives see the story behind the numbers, guiding junior staff, or translating finance for cross-functional teams. The episode is packed with practical advice, personal stories, and thoughtful insights about how teaching, influence, and communication shape success in finance.Carl Seidman is a seasoned management consultant, fractional CFO, and educator. With over 20 years of experience advising companies from startups to Fortune 500s, Carl also teaches at Rice University and runs finance training programs for corporate teams. He brings a unique blend of technical mastery, business strategy, and teaching skill, making him the perfect voice to discuss why FP&A must go beyond the spreadsheet and into the realm of influence.Expect to Learn:Why teaching is an essential skill for every FP&A professionalHow to tailor your message to different audiences, from analysts to executivesWhy oversharing details can derail your influenceHow to spot when your audience is confused (and how to pull them back in)Practical strategies for teaching finance without using jargon or acronymsHere are a few quotes from the episode:“The best presenters speak to the audience's needs, not their own ego.” - Carl Seidman“FP&A is often the bridge, translating finance for operations and operations for finance.” - Glenn SnyderCarl Seidman reminds us that the heart of FP&A isn't just analysis, it's communication, clarity, and connection. Through teaching, finance professionals can elevate their impact, build trust, and drive real business understanding. This episode reinforces that the most effective finance leaders don't just present data, they help others make sense of it.Campfire: AI-First ERP:Campfire is the AI-first ERP that powers next-gen finance and accounting teams. With integrated solutions for the general ledger, revenue automation, close management, and more, all in one unified platform.Explore Campfire today: https://campfire.ai/?utm_source=fpaguy_podcast&utm_medium=podcast&utm_campaign=100225_fpaguyFollow Carl:LinkedIn - linkedin.com/in/carlseidmanWebsite: seidmanfinancial.comEarn Your CPE Credit For CPE credit, please go to earmarkcpe.com, listen to the episode, download the app, answer a few questions, and earn your CPE certification. To earn education credits for the FP&A Certificate, take the quiz on Earmark and contact Paul Barnhurst for further details.In Today's Episode[02:30] - Meet Carl Seidman[04:48] - What Does “FP&A as a Teacher” Mean?[08:20] - Teaching Early in Your Career[19:33] - Who Does FP&A Need to Teach?[25:54] - Teaching Financial Impact[29:19] - Ditch the Jargon[35:44] - Spotting Confused Audiences[41:59] - Teaching for Long-Term Growth[43:58] - Celebrity on a Deserted Island

For generations, the church has told believers, "Be perfect as your Father in heaven is perfect." But what if Jesus never called us to perfection — only to wholeness? In this powerful conversation, we sit down with Dr. Chanequa Walker-Barnes to unpack how toxic theology, respectability, and race have shaped our obsession with perfection — and how we can finally get free. This episode of Holy Smokes: Cigars and Spirituality is proudly sponsored by Eden Theological Seminary. Join Eden online or in-person for an unforgettable evening with Dr. Chanequa Walker-Barnes as she delivers her lecture, "When Identity Wounds: Whiteness, Shame, and the Search for Repair."

According to the Giving USA 2025 report, individual giving rose from last year. But three-quarters of dollars raised came from just 3% of donors. When giving is this top-heavy, should you keep investing in your annual fund program? In today's episode, we explore why the annual fund remains essential for long-term donor relationships — with insights on donor retention, stewardship through storytelling, and direct mail strategies to re-engage lapsed donors and strengthen your donor pipeline. Free 30-minute fundraising consultation for NPFX listeners: http://www.ipmadvancement.com/free Want to suggest a topic, guest, or nonprofit organization for an upcoming episode? Send an email with the subject "NPFX suggestion" to contact@ipmadvancement.com. Additional Resources IPM's free Nonprofit Resource Library: https://www.ipmadvancement.com/resources Why Donor Retention Should Be Your Top Fundraising Priority https://www.ipmadvancement.com/blog/why-donor-retention-should-be-your-top-fundraising-priority Colton C. Strawser, PhD has built his consulting career working with leaders at community foundations, United Ways, homeless shelters, senior service agencies, youth programs, arts and culture organizations, and more. He has trained more than 1,000 organizations and generated over $25 million in government grants. In addition to being a Certified Fund Raising Professional and Certified Nonprofit Professional, he has also completed a Certificate of Nonprofit Board Consulting through BoardSource and is a Master Trainer through the Association of Fundraising Professionals. Dr. Strawser completed his PhD in Nonprofit and Philanthropic Leadership at The Nonprofit Institute at the University of San Diego. https://www.linkedin.com/in/coltonstrawser/ https://www.coltonstrawser.com/ Samantha Timlick, partner & CEO of IPM Advancement, has been with IPM since launch. She's worked with nonprofit clients on donor renewal, appeal, stewardship, and acquisition programs encompassing more than 250 million total recipients across all fundraising channels — including highly segmented direct mail microtargeting, personalized inbound and outbound telemarketing, and integrated e-campaigns. https://www.linkedin.com/in/stimlick/ https://www.ipmadvancement.com/ Russ Phaneuf, a co-founder of IPM Advancement, has a background in higher education development, with positions at the University of Hartford, Northern Arizona University, and Thunderbird School of Global Management. As IPM's managing director & chief strategist, Russ serves as lead fundraising strategist, award-winning content creator, and program analyst specializing in applied system dynamics. https://www.linkedin.com/in/russphaneuf/ Rich Frazier has worked in the nonprofit sector for over 35 years. In his roles as senior consultant with IPM Advancement and founder of VisionConnect LLC, Rich offers extensive understanding and knowledge in capital campaigns, fund development, strategic planning, and board of directors development. https://www.linkedin.com/in/richfrazier/ https://www.visionconnectllc.com/

I talk with Myriam Hadnes about what good facilitation actually looks like, and why it matters now more than ever. We cut through the jargon and compare facilitation, coaching and training, then get practical about how you create learning that sticks. Myriam and I dig into nervous system overload, psychological safety, and why embodied practices outperform information-only approaches. We also cover difficult conversations, holding space for emotion, boundary-setting, and what facilitative training looks like in an era of AI and endless content. If you run groups, teach, or coach, this conversation offers concrete ways to help people learn deeper, stay regulated, and actually change their behaviour. Check out Myriam's podcast here: https://workshops.work/podcast/ ----------------------------------------------- Myriam has hosted the workshops work podcast for more than 300 episodes, publishing a new conversation with facilitation experts each week. During the pandemic, she founded the NeverDoneBefore Festival and community — an international online experiment where facilitators co-created and delivered hundreds of "never done before" workshops between 2020 and 2024. Through her boutique agency workshops.work, Myriam and her team deliver over 200 workshops each year to help multinational organisations turn collaboration from a buzzword into a lived experience. ----------------------------------------------- As a special gift for you, our loyal listeners, we are offering $1200 off our flagship course, the Certificate of Embodiment Coaching when you use code: CEC25PODCAST More info here: https://embodimentunlimited.com/cec ----------------------------------------------- Check out our YouTube channel for more coaching tips and our Podcast channel for full episode videos Uplevel your coaching with a free copy of Mark's latest eBook, The Top 12 Embodiment Coaching Techniques  Join Mark for those juicy in-person workshops and events Fancy some free coaching demo sessions with Mark?  Connect with Mark Walsh on Instagram 

Show SummaryOn today's episode, we're featuring a conversation with Army Combat Veteran Jaymes Poling and Modern Warrior LIVE — a powerful blend of personal storytelling and music that explores the emotional weight of war and the journey toward healing.Provide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestJaymes Poling is a former infantry leader in the 82nd Airborne Division who served three years in Afghanistan. After coming home, he turned to writing to make sense of his experience, which led to the creation of Modern Warrior LIVE — a powerful blend of personal storytelling and music that explores the emotional weight of war and the journey toward healing.He's since become a speaker and mental health advocate, working with veterans, first responders, and trauma survivors across the country. Through hundreds of engagements nationwide, Jaymes brings a raw, honest voice to conversations about leadership, community, and post-traumatic growth. Links Mentioned During the EpisodeModern Warrior Live Web SitePsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the PsychArmor course Supporting Someone with Invisible Wounds. Not all wounds can be seen, and invisible wounds are just as serious as visible ones. This course introduces the four main types of invisible wounds - Posttraumatic Stress Disorder, Traumatic Brain Injury, Substance Use Disorder, and Depression.   You can find the resource here:  https://learn.psycharmor.org/courses/supporting-someone-with-invisible-wounds    Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

In which an power tools salesman builds the world's fastest boat in his Sydney backyard and somehow survives the experience, and John thinks it's funny to be accordion-shaped in the past. Certificate #16230.

In which a Minnesota meat concern changes the face of world cuisine by passing their surplus pork shoulder off on hungry soldiers, and Ken imagines a pre-war Sir Mix-a-Lot. Certificate #53117.

The Cookware That's Secretly Poisoning Your Food Not all cookware is created equal. After months of investigating 21 major cookware brands, Dr. Christian Gonzalez uncovered a truth the industry doesn't want you to know: only one passed his strict standards for safety, transparency, and purity. Most companies, including billion-dollar icons like Le Creuset, Caraway, All-Clad, HexClad, and GreenPan - either ignored requests for safety data, relied on toxic PFAs coatings, or hid behind influencer marketing. In this episode, Dr. G exposes which brands are quietly contaminating your food, the dangerous materials to avoid, and how to choose cookware that protects your brain, hormones, and nervous system. To get the full updated product list, visit: