Podcasts about certificates

In this episode of The Yoga Therapy Hour, Amy welcomes back Kristine Weber for her third conversation on the podcast. Kristine is known for weaving together yoga philosophy, neuroscience, social justice, and policy in a way that is both grounded and deeply practical. This conversation ranges from marketing and entrepreneurship to self-regulation, somatics, and the future of yoga therapy as a profession.The episode opens with a candid discussion about what it really takes to build a sustainable yoga business in the current landscape. Kristine shares the story of how one comment in a Facebook yoga research group changed her entire approach, leading her to study marketing, hire a digital strategist, and invest consistently in paid advertising—while staying aligned with her values and with authentic, evidence-informed yoga.From there, Amy and Kristine move into the heart of the conversation: yoga as self-regulation and why the vagus nerve is only one piece of a much larger picture. Kristine contrasts Western models of self-regulation and the autonomic nervous system with yogic models that include doṣas, guṇas, the kośas, and ethical frameworks like the yamas and niyamas. Together, they explore how yoga invites us to move beyond mechanistic “fix the machine” thinking toward a biopsychosocial–spiritual, socio-ecological understanding of who we are.They also discuss:How to define self-regulation from both neuroscience and yoga perspectivesThe limits of a purely “vagus nerve–centric” approach and why it's important to situate the vagus nerve inside broader models of health and meaningThe role of interoception, perception, ethics, and self-study (svādhyāya) in genuine regulation and resilienceWhen devices and vagal stimulators can be helpful, and how worldview shapes whether they support or undermine long-term healingThe emerging tension around somatic therapies in systems like the VA and APA, and why training and scope of practice matterISMETA and other advocacy efforts working on regulation and recognition for somatic modalitiesGrassroots versus federal-level advocacy, and why yoga therapists need to think locally and globallyLicensure, silos, and why it's both necessary and problematic for yoga therapyKristine's concept of “yoga in all policy” and the importance of bringing yoga into schools, treatment centers, public health, and beyondAmy also shares about her forthcoming co-authored book with Marlysa Sullivan, Applications of Therapeutic Yoga in Integrative Health: Reimagining Well-Being (Routledge Press Spring 26), which places the vagus nerve and neuroscience inside the larger arc of the eight limbs of yoga—rather than asking yoga to fit into a narrow biomedical frame. Kristine responds with enthusiasm for this more holistic paradigm and calls on yoga professionals to reclaim yoga as a complete system for human transformation and flourishing, not “just stretching” or a series of isolated techniques.Toward the end of the episode, Kristine describes ways to study with her, including:The Science of Slow – an on-demand course on fatigue, depression, anxiety, chronic pain, and body imageNeuroscience of Yogic Meditation – exploring the distinctiveness of yogic meditation practicesHer Subtle Yoga breathwork certification and other nervous-system-focused trainingsWeekly classes through the Subtle Yoga Resilience Society membershipLive workshops in the U.S. and internationallyThis conversation is for yoga therapists, yoga teachers, and integrative health professionals who sense that yoga has far more to offer than “yoga for the vagus nerve” headlines—and who want to align their work with a broader, more humane vision of health, policy, and social change.Find Amy Wheeler on WWW.TheOptimalState.comMaster of Science in Yoga Therapy https://muih.edu/academics/yoga-therapy/master-of-science-in-yoga-therapy/ Explore MUIH's Post-Master's Certificate in Therapeutic Yoga Practices, designed specifically for licensed healthcare professionals.  https://muih.edu/academics/yoga-therapy/post-masters-certificate-in-therapeutic-yoga-practices/  Try our Post-Bac Ayurveda Certification Program at MUIH: https://muih.edu/academics/ayurveda/post-baccalaureate-ayurveda-certification/#IntegrativeHealth #HealthcareEducation #InterprofessionalEducation #GraduateSchool #NDMUproud #SOIHproud #SOIHYoga #SOIHAyurveda #NDMUYoga #NDMUAyurveda #SOIHGraduateSchool

We go over the qualities in abstract of a use case that strongly invites the use of hybrid certificates and then run down a list of specific use cases that meet these criteria. This includes OT systems, code signing, secure boot, WiFi, enterprise S/MIME, and more.

In which various crackpots and Russians decide that three hundred years of the European "dark ages" simply didn't happen, and Ken doesn't want his eulogy to be vague. Certificate #22651.

Today I'm joined by Donald Kemp, General Sales Manager at Stowasser Buick GMC. We dig into why human-first social content is outperforming inventory posts, how moving F&I earlier drives higher penetration, and where dealers are quietly leaking money through junk fees. The conversation is tactical, practical, and immediately applicable for stores feeling margin pressure. This episode is brought to you by: 1. Experian Automotive - Like most Car Dealership Guy Listeners, you're constantly looking for the inside edge on the auto industry. So if you're ready to step up your game to the next level – outpacing the competition and building customer loyalty – there's only one place to go from here: Experian Automotive. They're the only ones with exclusive data across vehicles, consumers, and credit—plus expert data scientists who connect the dots to uncover the insights you need. Get the industry-leading insights from Experian Automotive today! Learn more by visiting @ https://carguymedia.com/4cfcLjZ. 2. Privacy4Cars - Privacy4Cars' app lets your team delete it all in minutes and prove it with a Certificate of Deletion. Customers pay more. Trade-in capture rates soar. And you stand out as the dealership that actually protects people and what matters most to them. Drive more trade-ins, more loyalty, and more revenue. Offer customer vehicle privacy services today– visit @ https://privacy4cars.com/. 3. Nomad Content Studio - Most dealers still fumble social—posting dry inventory pics or handing it off without a plan. Meanwhile, the store down the street is racking up millions of views and selling / buying cars using video. That's where Nomad Content Studio comes in. We train your own videographer, direct what to shoot, and handle strategy, to posting, to feedback. Want in with the team behind George Saliba, EV Auto, and top auto groups? Book a call @ http://www.trynomad.co. Check out Car Dealership Guy's stuff: For dealers: CDG Circles ➤ ⁠⁠⁠⁠⁠⁠https://cdgcircles.com/⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dealership recruiting ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgrecruiting.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Fix your dealership's social media ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.trynomad.co⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For industry vendors: Advertise with Car Dealership Guy ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgpartner.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Industry job board ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://jobs.dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Request to be a podcast guest ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.cdgguest.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Topics: 00:43 What are the key business insights? 02:42 What is the used car strategy? 05:41 How to improve finance and service? 23:38 How to manage vendor relationships? 26:10 Which lead sources are best? 29:14 How to optimize lending practices? 34:37 How to leverage social media? 24:38 How to reduce credit card fees? Car Dealership Guy Socials: X ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠x.com/GuyDealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/cardealershipguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@guydealership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Threads ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠threads.net/@cardealershipguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/profile.php?id=100077402857683⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Everything else ➤ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

BACnet over SC is starting to show up in specs, submittals, and IT conversations more often. If you touch BAS networks, this episode helps you understand what is changing and what stays the same, so you can walk into the next project with confidence. You'll hear why legacy BACnet/IP assumptions are colliding with modern IT expectations, how Secure Connect shifts communication patterns, and what that means for troubleshooting when things stop talking. It also puts clear boundaries around the difference between a true standard and vendor marketing language, so you can ask better questions before deployment. Topics Covered Why BACnet over SC was created, and what it fixes compared to BACnet/IP The security gaps in plain-text, unauthenticated BAS traffic How hubs change communication flow and discovery across routed networks Certificates, trust stores, and what technicians will need to manage Where BACnet over SC fits today and what tradeoffs to expect If you want to be ready for the next Division 25-driven job or the next IT security review, this is the one to queue up.

Are fraud rings quietly manipulating the trucking industry? Are brokers relying too much on outdated Certificate of Insurance? And what happens when stricter DOT enforcement reshapes how freight moves across the country? In this episode, Cameron Pechia of Valley Trucking Insurance explains how organized trucking fraud - from chameleon carriers and fake insurance documents to criminal syndicates influencing CDLs, financing, and compliance - is forcing brokers and carriers to tighten verification processes and rethink risk management across the supply chain! We talk about why Certificate of Insurance is a weak proof without direct verification, how upcoming DOT regulations and increased enforcement may trigger short-term spikes in freight fraud, and why brokers should implement 30-60 day insurance and credential re-verification cycles to protect loads. Cam also dives into how stronger regulatory standards, better insurance verification practices, and real collaboration with trusted providers can help ethical trucking companies thrive while improving market stability, reducing carrier failure rates, and strengthening overall supply chain security.   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his "WHY" and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

Welcome to Madang.Madang is the outdoor living room of the world. Here, we invite you to sit and tune into unreserved, remarkable conversations with renowned authors, leaders, public figures, and scholars on religion, culture, and everything in between.This is the 56th episode featuring Robert G. Callahan, II. Robert is an accomplished attorney and author, dedicated to fighting for justice in his practice at Callahan & King, PLLC in Waco, Texas. He earned a Bachelor of Arts in Political Science from Gonzaga University and a Juris Doctorate at Baylor University School of Law where he teaches a course entitled Integrating Faith and Legal Practice. In 2020, Robert was named Lawyer of the Year by the Texas Criminal Defense Lawyers' Association. Robert's book, FIRE IN THE WHOLE: Embracing Our Righteous Anger with White Christianity and Reclaiming Our Wholeness, tackles spiritual abuse via the church's complicity with racism, patriarchy, and bigotry while encouraging survivors that their anger is justified and path to healing does exist.On this episode of Madang Podcast hosted by Faith and Reason, Callahan and I talk about his book, Fire in the Whole: Embracing Our Righteous Anger with White Christianity and Reclaiming Our Wholeness. We discuss Black history, color-blind church, racism, whiteness, anger, reconciliation, and much more.I am grateful to the many sponsors of this episode.1)I want to tell you about a Lenten resource from The Upper Room that I think a lot of you will really appreciate. It's called When Did We See You? A Lenten Exploration of Poverty & Wealth, and it takes on something many churches struggle to talk about honestly—money. Written by pastor and justice advocate Elizabeth Mae Magill, When Did We See You? is a thoughtful, deeply pastoral Lenten study that wrestles with poverty, wealth, and what it means to follow Jesus in an economically divided world. In a world of both abundance and inequality, When Did We See You? guides us through a crucial and timely conversation about our money, economic justice, and God's call for a world with enough for all. Learn more at store/upperroom.org/Madang and save 20% on your copies today with promo code MADANG at checkout. This Lent, may we have eyes to truly see Christ in our neighbors and respond with love and action.2)This episode is presented by Central Seminary – a historic, accredited, diverse, cross-cultural, and ecumenical seminary. Central Seminary equips students with the theological knowledge, spiritual insight, and practical skills needed to lead in an ever-changing world. Central offer numerous graduate degrees and certificates including our Certificate in Peace and Justice Ministry, which is facilitated in live, online classrooms. The Certificate in Peace and Justice Ministry will prepare you to lead and serve through social change in areas ​such as racial injustice, economic injustice, the climate crisis, war and violence, and more. To learn more, visit www.CBTS.edu or search for Central Seminary Kansas City.3)I am grateful to WJK PRESS for sponsoring this episode. Fire in the Whole equips Black Christians to make empowered decisions about their faith—whether that means leaving toxic spaces, building new communities, or reclaiming a liberating faith. Discussion questions and a personal inventory help readers decide what's next. Learn more at wjkbooks.com.4) PANAAWTM has 2 wonderful upcoming events: a) Vocational Discernment Gathering (tentative late March/April) will create space for reflection, conversation, and communal wisdom around calling, leadership, and faithful imagination—especially for those navigating ministry, academia, and public life in complex times. b) PANAAWTM will be hosting an upcoming virtual annual business meeting, tentatively planned for March. This gathering is an opportunity for our community to come together, share key updates, and participate in the work of sustaining PANAAWTM's mission and leadership.

In this week's podcast episode, we're sharing a 2026 refresh of one of our most requested and revisited conversations, originally recorded in 2021. We're joined by pelvic floor physical therapist Jill Ehrmantraut of Apex Therapy for an honest and affirming discussion about pelvic floor health, physical healing, and sex after the NICU and birth trauma.Jill helps us understand how birth, trauma, and chronic stress impact the body, the nervous system, and the pelvic floor. Together, we talk about common but often unspoken changes after birth, including pain with sex, muscle tension, weakness, scar tissue from C sections, emotional release held in the body, and why pelvic floor therapy can be an essential part of healing for both vaginal and C section births.This conversation gently demystifies pelvic floor therapy, addresses fears and misconceptions, and reminds moms that discomfort, pain, and changes after birth are common, but they do not have to be your normal. Jill shares practical insight, reassurance, and hope for moms navigating physical healing after the NICU.As you listen, we hope you feel validated, empowered, and encouraged to seek care that honors both your body and your story. Healing is not linear, postpartum is lifelong, and you are never alone in this sisterhood!  Jill is a Board-Certified Women's Health Clinical Specialist (WCS) with advanced training in pelvic rehabilitation for females, males and children. Jill graduated with her Doctorate of Physical Therapy from the University of Mary, Bismarck, ND in 2010. She has advanced training in the treatment of pelvic pain, pregnancy and post-partum issues, urinary and fecal incontinence, pelvic organ prolapse, constipation, and neurogenic bladder in women, men, and children. She also has years of experience in treating female pelvic floor dysfunction, pelvic floor dysfunction during or after cancer treatment, pediatric pelvic floor dysfunction, and post prostatectomy incontinence in males. She is the second physical therapist in the state of North Dakota to obtain a Certificate of Achievement in Pelvic Floor Physical Therapy. Jill is a member of the American Physical Therapy Association and a part of the Academy of Pelvic Health Physical Therapy. She is also certified in Functional Dry Needling Level 1 and Pelvic Floor dry needling/Level 2.To get connected with Jill and Apex Physical Therapy & Wellness: https://apexptwellness.com/This podcast episode is not an attempt to practice medicine or provide medical advice. All information, content, and material on this website is for informational purposes only and is not intended to be a substitute for professional medical or mental health advice, diagnosis or treatment.To get connected with DNM: Website | Private Facebook Group | InstagramSupport the show

You're using Active Directory Certificate Services - but is it configured securely? Richard talks to Ron Arestia about his work with organizations implementing their own Public Key Infrastructure (PKI) with ADCS. Ron explains how poorly configured ADCS enables lateral attacks within an organization once an initial breach occurs, allowing black hats to move throughout your network. A well-designed PKI system has tiers of protection, with the top level completely disconnected from the network. Or do you really need your own PKI system? The conversation digs into the various scenarios, including third-party options. Certificates are the top level of security for your organization - you need to get it right!LinksActive Directory Certificate ServicesWindows Hello for BusinessCertified Pre-OwnedMicrosoft Defender for IdentitySecure Privileged AccessPass the HashMicrosoft Cloud PKI for Microsoft IntuneMicrosoft Entra Conditional AccessMicrosoft AutopilotRon's BlogRecorded February 6, 2026

Growing Together At Every Stage Part 5-4th to 9th Grade: Sense of Belonging and Healthy Community In this six-part series, we are joined by family therapist and author Meg Flynn, who brings us a wealth of knowledge from her work with families and kids for over three decades. In this era of high-pressure parenting and busy family life, Meg reminds us of how we can slow down, find the joy in each stage, and focus on what really matters–safety, connection, and growth. Part 5 addresses peer rejection, tackling homework, and building belonging and self-acceptance. (36 mins) February 11, 2026 This podcast is eligible for a Certificate of Completion if you complete a Post Podcast Test Test The post Growing Together at Every Stage: Part 5 – 4th to 9th Grade: Sense of Belonging and Healthy Community appeared first on Foster Adopt Minnesota.

EU grants Google approval for Wiz Microsoft rolls out Secure Boot certificates before expiration North Korean hackers target crypto exec Get the show notes here: https://cisoseries.com/cybersecurity-news-google-gets-eu-wiz-approval-microsoft-secures-secure-boot-certificates-north-korean-hackers-target-crypto-exec/ Huge thanks to our episode sponsor, ThreatLocker Want real Zero Trust training? Zero Trust World 2026 delivers hands-on labs and workshops that show CISOs exactly how to implement and maintain Zero Trust in real environments. Join us March 4–6 in Orlando, plus a live CISO Series episode on March 6. Get $200 off with ZTWCISO26 at ztw.com.

New coach.Still in certification.Business dreams ready to go.But then the brain kicks in…Who am I to call myself a coach? Should I wait until I graduate? What if people judge me?In this episode, I'm tackling one of the biggest identity blocks keeping talented coaches invisible and broke. 

This conversation delves into the complexities of perfection in secured transactions under the Uniform Commercial Code (UCC). It emphasizes the importance of making security interests public to protect against third-party claims, particularly in bankruptcy situations. The discussion outlines the five methods of perfection: filing, possession, control, automatic perfection, and certificate of title, while highlighting the critical need for accuracy and vigilance in maintaining perfected status.TakeawaysPerfection is about not being invisible in the eyes of the law.The law abhors secret liens; transparency is crucial.You must meet both attachment and perfection criteria simultaneously.Timing is everything; the gap between attachment and perfection can be fatal.Filing a UCC-1 financing statement is the default method of perfection.Possession is key for tangible assets, while control is essential for intangible assets.Automatic perfection applies only in specific situations, like consumer goods.Certificate of title laws govern certain assets like vehicles and boats.Maintaining perfection requires monitoring for name changes and lapses.Bankruptcy trustees have strong powers to challenge unperfected interests. perfection, secured transactions, UCC, bankruptcy, priority, collateral, filing, possession, control, automatic perfection

While assigned to the center, a 27-year-old male employee from the Toyokawa Public Health Center issued certificates without obtaining the required approvals, recorded false review results in documents, and altered classifications to more severe levels. In interviews conducted by the prefecture, he explained to the effect that “administrative processing fell behind, and I altered the classifications to levels that applicants would accept.” Episode notes: ‘Aichi Reports 1,034 Irregularities in Disability Certificate Issuance': https://barrierfreejapan.com/2026/02/11/aichi-reports-1034-irregularities-in-disability-certificate-issuance/ ‘95 errors made in linking My Number and disability certificate in Aichi Prefecture': https://barrierfreejapan.com/2024/03/27/95-errors-made-in-linking-my-number-and-disability-certificate-in-aichi-prefecture/

Send a textNishant Rastogi is the inaugural Managing Director of Lupus Ventures ( https://www.lupusventures.org/ ), the venture investment fund of the Lupus Research Alliance ( LRA - https://www.lupusresearch.org/ ), where he serves on the Investment Committee. In this role, he leads all aspects of the fund — from sourcing and evaluating opportunities to structuring deals and managing the portfolio — while overseeing team recruitment, business development, and coordination with the fund's Investment Committee and Scientific Advisory Board.Lupus Ventures is the world's only venture fund dedicated to systemic lupus erythematosus (SLE) and related autoimmune conditions. It aims to accelerate the development of new therapies and diagnostics that improve care and deliver meaningful impact for the millions of people living with lupus worldwide.A seasoned life sciences investor with over a decade of experience in venture capital and private equity, Mr. Rastogi has served as a Board Director and operating partner for multiple biotech and medtech companies. Prior to Lupus Ventures, he was Vice President and Head of Transactions at New Rhein Healthcare Investors, where he helped establish the firm's U.S. office, executed transactions across diverse therapeutic areas, and managed a portfolio totaling over $200 million in direct investments. His work spanned financing, clinical development, regulatory strategy, manufacturing, and commercialization. Notable investments include Corsair, Theranica, Alveus, American Injectables, Butterfly Medical, Softhale, EirCor, and Neuraptive.Earlier in his career, Mr. Rastogi was a founding associate at Broadview Ventures, a Boston-based venture capital fund focused on cardiovascular innovation, and has advised multiple disease research foundations — including Beyond Celiac and Parent Project Muscular Dystrophy — on venture fund formation and the intersection of philanthropy and private investment in advancing medicines and health equity. He began his career as an analyst at Fidelity Investments.Mr. Rastogi holds a B.A. in Economics and Mathematical Finance from Dartmouth College, an MBA from Northwestern University (Kellogg), a Medical Science Certificate from Harvard, and a Certificate in Climate Change and Health from Yale.#Lupus #AutoimmuneDisease #LupusResearch #BiotechInnovation #Immunology #HealthcareInnovation #PrecisionMedicine #WomensHealth #HealthEquity #VentureCapital #Biotechnology #SystemicLupus #LupusAwareness #MedicalBreakthrough #LifeSciencesSupport the show

Dallas Willard taught us that Jesus offers us a life without lack in the Kingdom of God. But what do we do when experiencing the real pain of unmet needs, unhealed wounds, and unanswered prayers? You can learn to pause and pray — bringing your distresses and desires to Jesus to cultivate a peace and rest that's rooted in his gentle love, wise leadership, and fierce faithfulness.Join us for this episode of Soul Talks as Bill and Kristi talk about following Jesus through the many terrains of the spiritual journey. Praying and meditating on this Dallas-inspired paraphrase of Psalm 23 from will help you trust the Good Shepherd as he leads you into deeper union with God.(If you want to go deeper into Psalm 23 and the insights we gained from Dallas Willard, we invite you to join us on a retreat or train to become a spiritual director with Soul Shepherding. You can learn more by following the links below.)Resources for this Episode:Your Best Life in Jesus' Easy Yoke: Rhythms of Grace to De-Stress and Live EmpoweredJoin Our Free Devotional Email ListAttend a Soul Shepherding RetreatEarn a Certificate in Spiritual DirectionDonate to Support Soul Shepherding and Soul Talks

Orthopedic surgery is in the middle of a quiet but powerful shift. Procedures that once required hospital admission are increasingly being performed in Ambulatory Surgery Centers (ASCs), and this change is transforming patient experience, physician autonomy, and the business of orthopedic care. In our latest podcast episode, Dr. Spector joins us to discuss why ASCs are becoming a dominant force in modern orthopedics. In this episode, we break down: Why more orthopedic procedures are moving out of hospitals. How ASCs are transforming patient experience, efficiency, and recovery. OrthoCarolina's bold strategy to double down on ASCs and physician-led care. The real financial differences between ASCs and hospitals for patients, insurers, and providers. Certificate of need, and the role it plays in ASCs. How ASCs and hospital partnerships work. A board-certified fellowship-trained Orthopedic spine surgeon, Dr. Spector has enjoyed a 17-year tenure with OrthoCarolina, holding multiple leadership positions, including Chief Executive Officer, Chief Quality Officer, member of the Executive Committee, chairman of the Quality/Value Committee, and co-fellowship director at the OrthoCarolina Spine Center. In 2020, Dr. Spector earned his MBA from Duke University Fuqua School of Business and was previously selected to participate in the American Orthopedic Association Leadership Program, conducted in collaboration with the University of Chicago Booth School of Business. Dr. Spector currently serves as a Board Member of the Lumbar Spine Research Society and previously held the position of President of the North Carolina Spine Society. Dr. Spector began serving as CEO of OrthoCarolina in 2024. Dr. Spector has continued to practice orthopedic surgery while active as the OrthoCarolina CEO.  

Show SummaryOn this episode, we have a conversation Today we're having a conversation with Jesse Gould, founder of the Heroic Hearts Project and a former Army Ranger, about what it means for veterans to heal when traditional systems don't have all the answers. Heroic Hearts works with leading medical researchers to improve veterans access to psychedelic programs for the treatment of PTSD.Provide FeedbackAs a dedicated member of the audience, we would like to hear from you. If you PsychArmor has helped you learn, grow, and support those who've served and those who care for them, we would appreciate hearing your story. Please follow this link to share how PsychArmor has helped you in your service journey Share PsychArmor StoriesAbout Today's GuestJesse Gould is Founder and President of the Heroic Hearts Project, a 501(c)(3) nonprofit pioneering psychedelic therapies for military veterans. After being deployed as an Army Ranger in Afghanistan three times, he founded the Heroic Hearts Project in 2017 to spearhead the acceptance and use of ayahuasca therapy as a means of addressing the current mental health crisis among veterans. The Heroic Hearts Project has raised over $350,000 in scholarships from donors including Dr. Bronner's and partnered with the world's leading ayahuasca treatment centers, as well as sponsoring psychiatric applications with the University of Colorado Boulder and the University of Georgia.  Jesse helps shape treatment programs and spreads awareness of plant medicine as a therapeutic method. He has spoken globally about psychedelics and mental health, and received accolades including being recognized as one of the Social Entrepreneurs To Watch For In 2020 by Cause Artist. Driven by a mission to help military veterans struggling with mental trauma, he is best known for his own inspiring battle with PTSD and his recovery through ayahuasca therapy. Jesse's work can be seen and heard at NY Times, Breaking Convention, San Francisco Psychedelic Liberty Summit, People of Purchase, The Freq, Psychedelics Today Podcast, Kyle Kingsbury Podcast, Cause Artist, and The GrowthOp. Links Mentioned During the EpisodeHeroic Hearts Project WebsiteThe Veterans Guide to Psychedelics on AmazonThe Veteran's Field Manual for Psychedelics on Amazon PsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week the PsychArmor Veteran Ready program. This program offers a short, self-paced online training experience that builds foundational understanding of military culture and practical skills for supporting Veterans, service members, and their families with respect and confidence. Large organizations like the Coast Guard Chief Petty Officers Association can partner with PsychArmor to provide this military-cultural education to their members, helping teams, departments, and entire workforces become more Veteran Ready and better connected to the military-connected community.. You can find the resource here: https://learn.psycharmor.org/pages/veteran-ready 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  

The sense of hearing is a finely tuned collaboration between physics and biology, transforming invisible sound waves into meaning, memory, and emotion. From the delicate mechanics of the middle ear to the neural pathways that help us localize danger, recognize voices, and enjoy music, hearing quietly shapes how we connect with the world. Yet it's also one of our most vulnerable senses—affected by aging, noise exposure, infection, and even cardiovascular health. How benign are ear pain and ringing? Is there a limit to how loud we should listen to music? And what can we do to protect this sense before silence becomes noticeable?In this episode, we are joined by Dr. Stacey Lim, AuD, PhD, CCC-A, an American Speech-Language-Hearing Association (ASHA)-certified audiologist and Professor of Audiology.Dr. Lim received her BA in Communication Sciences and Disorders and German Language and Literature from Wooster College, her AuD (Doctor of Audiology) from the Northeast Ohio Au.D. Consortium at the University of Akron, and her PhD in Audiology from Kent State University. Currently, Dr. Lim is a Professor of Audiology at Central Michigan University, holds a Certificate of Clinical Competence in Audiology (CCC-A) from ASHA, and is a researcher focused on cochlear implants and aural rehabilitation, informed by her personal experience of bilateral, profound sensorineural hearing loss since birth. Previously, Dr. Lim was a Fulbright Scholar at the Ludwig Maximilian University of Munich, studying hearing loss in Germany, a co-Principal Investigator in March of Dimes research on cognitive and linguistic skills related to hearing loss, and the Chapter President at the Alexander Graham Bell Association for the Deaf and Hard of Hearing.Dr. Lim is also a co-curator of (dis)ABLED BEAUTY, a museum exhibition featuring creatively designed adaptive devices, assistive devices, and apparel for people with disabilities.Follow Friends of Franz Podcast: Website, Instagram, FacebookFollow Christian Franz (Host): Instagram, YouTube

Sam found out he isn't eligible for a Nobel Peace Prize but Jon technically is. Jon goes off the rails when he dives deeper into the item of choice use by local ICE protestors. Listeners offer their ideas for a liberal business model.See omnystudio.com/listener for privacy information.

Sam found out he isn't eligible for a Nobel Peace Prize but Jon technically is. Jon goes off the rails when he dives deeper into the item of choice use by local ICE protestors. Listeners offer their ideas for a liberal business model.

Part of a unique six-month sequence of 28° New Moons, 2025's Libra New Moon set the stage for these late degrees to reach their archetypal fulfillment. This journey reaches a pivotal point on 17 February; the Aquarius New Moon ignites a celestial marker announcing the Lunar Year of the Fire Horse. Impacting the collective consciousness as a Solar Eclipse in airy Aquarius, it supercharges our networking and communication. This isn't just a Solar Eclipse—it is an electric bridge between the old world and a bold, interconnected future. The month's second week focuses on capturing the Moon's essence. This luminary represents our personal planet, regulating the past coming into the present. Joining Sue Rose Minahan from Kailua-Kona, Big Island, Hawai'i are Talk Cosmos member Amanda Pierce of Seattle, Washington. Catch new weekly episodes and subscribe to TalkCosmos.com to access the latest content through YouTube, Facebook, radio, and podcast platforms. AMANDA PIERCE: blends her eclectic style of astrology and energy magic around a soul-centered approach to life and healing. With a B.A. in Psychology, Astrology and Energy Work Consultation | Meditation | Writing & Editing. Empowerment-based Meditation: teaching in-person 4-week series classes. Email: Amandamoonastrology@gmail.com Past WSAA Board Member | UAC 2018 Volunteer Coordinator. SUE ‘ROSE' MINAHAN: Evolutionary Astrologer Consultant, Speaker, Writer, Dwarf Planet University graduate; Vibrational Astrology student, Kepler Astrology Toastmasters; Wine Country Speakers; holds an Associate of Fine Arts Music Degree, & a Certificate of Fine Arts in Jazz. Artist & musician. Mythology enthusiast. Founder of Talk Cosmos weekly conversations awaken heart and soul consciousness since 2018. https://www.talkcosmos.com #aquariusnewmoon #firehorse #lunarnewyear2026 #astrology2026 #talkcosmos Talk 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. Sue is your guide to focusing the Cosmos kaleidoscope. In the words of Einstein, “Energy's never destroyed, energy only changes.”Discover the energy that is Talk Cosmos, every Sunday from 1 p.m. to 2 p.m. on YouTube, FB, KKNW Radio formats, all podcasts.See 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! We break down political status correction as a practical path to protect wealth, move activity to the private sector, and design a tax-aware legacy. We explain identity, status, and standing, then map the trust stack that separates people from property and keeps assets out of reach.• public trust system and the birth certificate as commercial identity • difference between public, private, and voluntary sectors • American national vs U.S. citizen classifications • identity, status, standing framework for legal rights • unincorporated associations, 508(c)(1)(A), and family trusts • holding companies in charging order states and UCC strategy • EIN use, foreign treatment, and bank setup • tax avoidance vs evasion and lawful documentation • insurance, portfolio funding, and building trust assets • notices to federal, state, and county offices to maintain statusMake sure y'all tap in. Most of this information came from the book From Citizen To Sovereign by Don Kilam. Look it up on Amazon now and go get it todayhttps://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

In this episode of The Yoga Therapy Hour, Amy speaks with Valerie Hesslink and Jeanne Kolker, both from Insight Counseling & Wellness, about how yoga therapy has tapped into billing through Wisconsin's Comprehensive Community Services (CCS) program. Jeanne and Valerie discuss the realities of providing trauma-informed, community-based care, the role of skill building in recovery, and the organizational standards required to deliver CCS services. Valerie also shares her personal journey and how yoga helped her reconnect with herself during a difficult period. The conversation offers a grounded look at the future of integrative mental health and the importance of embodied practices in long-term healing.Valerie HesslinkValerie brings both professional training and lived experience to her work in CCS. She speaks openly about a period in her life marked by emotional struggle and a deep sense of disconnection—an experience that led her to yoga when traditional therapies were not enough. Through sustained breathwork, embodiment practices, and steady support, she found her way back into her body and rebuilt her internal sense of safety and clarity. This personal journey now informs the way she teaches. Valerie's approach is patient, relational, and grounded in empathy. She understands the courage it takes for clients to begin again and offers tools that help them move through daily life with more steadiness and trust.Jeanne KolkerJeanne is a therapist and yoga teacher with extensive experience in trauma-informed care. She works at the intersection of somatic awareness and mental health, supporting individuals through recovery with clarity and compassion. Jeanne offers insight into how yoga therapy fits into multidisciplinary care and what is needed to ensure clients receive safe, consistent, and high-quality services.Learn more about their work:Insight Counseling & WellnessCounseling Services: https://insightmadison.com/ccsYoga Studio: https://insightmadison.com/yogastudioLearn More about the MS in Yoga Therapy: School of Integrative Health at NDMU: https://www.ndm.edu/academics/integrative-health Master 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 Contact Amy Wheeler at www.TheOptimalState.com

In which author, music executive and host of the Identified podcast Nabil Ayers discusses selling used CDs, The Terminator, The Drum Doctor and more. Certificate #48391.

In this podcast episode, Dr. Jonathan H. Westover talks with Kathryn Landis about effectively leading diverse teams. Kathryn Landis helps organizations accelerate success by empowering growth-minded leaders and their teams with executive coaching, team coaching, offsites, and leadership development training in today's dynamic business environment. Kathryn's insights and strategies have gained recognition in prestigious publications like Harvard Business Review, Fast Company, and Forbes, further establishing her reputation as a sought-after expert in the field. She holds an MBA from Northwestern University, Certificate in Executive and Organizational Coaching from Columbia University, Certificate in Diversity and Inclusion from Cornell University and BS from Indiana University. Moreover, Kathryn is a National Diversity Council Certified Diversity Professional (NDCCDP), Associate Certified Coach by the International Coaching Federation (ACC) and Professor of C-Suite Leadership New York University. Check out all of the podcasts in the HCI Podcast Network!

In this solo episode, Jeanette Benigas, PhD/SLP, unpacks why speech-language pathologists across the country are suddenly questioning ASHA's CCC refund policy, and what changed to prompt those questions.Many clinicians are discovering, often for the first time, that ASHA membership and the Certificate of Clinical Competency (CCC) are bundled in ways that were never clearly explained on renewal invoices or on ASHA's website, and that refunds are cut off after January 1. This episode explains what ASHA's refund policy actually says, how it applies to both membership and certification, why assumptions about “required” credentials are starting to fall apart, and why SLPs may be owed a refund if one is requested.Jeanette also explains how employer misrepresentation, unclear renewal processes, and shifting information environments have contributed to confusion, and why this moment isn't about outrage, but about transparency. You'll hear practical guidance on consumer protections, documentation, and appropriate channels for raising concerns, including state consumer protection offices and the attorney general's complaints process.This episode is about clarity, informed choice, and understanding your rights when credentials, money, and employment intersect.

Kendra Raines is a nationally syndicated radio personality and award-winning voice actor with more than two decades of experience. Kendra recently earned her Certificate of Interpretive Guiding and applies interpretive principles to her work in radio and content creation. On this episode, she joins NAI's Madison Hyatt and Paul Caputo.

It's true that our best efforts are good and effective — we are beautifully and wonderfully created by God, after all. Yet it's easy to slip into self-reliance and try to “make things happen” in our own strength. Instead, we can learn to keep watch with Jesus as we work, joining God's presence and activity all around us.Tune in for this episode of Soul Talks as Bill and Kristi share how learning to trust God, instead of relying solely on their own best efforts, transformed their apprenticeship to Jesus and helped them grow in emotional and relational health. This subtle shift in thinking will change how you approach life and ministry — especially during stress, trials, and conflict. You'll be equipped with a lifelong practice to help you release control to God and find joy in creative partnership with the Good Shepherd.(If you want to go deeper into the insights we gained from Dallas Willard, we invite you to join us on a retreat or train to become a spiritual director with Soul Shepherding. You can learn more by following the links below.)Resources for this Episode:Your Best Life in Jesus' Easy Yoke: Rhythms of Grace to De-Stress and Live EmpoweredAttend a Soul Shepherding RetreatEarn a Certificate in Spiritual DirectionDonate to Support Soul Shepherding and Soul Talks

Show SummaryOn this episode, we have a conversation with Retired Master Chief Petty Officer Rob Bushey, Executive Director of the Coast Guard Chief Petty Officers Association and a 32-year Coast Guard veteran. He shares his perspective on the Coast Guard's unique dual mission and the role that the CGCPOA plays in strengthening connection and advocacy across the Coast Guard.Provide FeedbackAs a dedicated member of the audience, we would like to hear from you. If you PsychArmor has helped you learn, grow, and support those who've served and those who care for them, we would appreciate hearing your story. Please follow this link to share how PsychArmor has helped you in your service journey Share PsychArmor StoriesAbout Today's GuestRob Bushey is the Executive Director of the Coast Guard Chief Petty Officers Association, where he serves as a workforce advocate and organizational leader supporting enlisted Coast Guard members and their families. A 32-year veteran of the U.S. Coast Guard, Rob's career spanned operational law enforcement, search and rescue, drug interdiction, and maritime security missions at sea and abroad. He has served at surf and lifeboat stations on the West Coast, as well as in senior enlisted leadership roles, including overseas assignments in the Middle East supporting joint operations.Throughout his career, Rob has focused on empowering enlisted personnel by advancing professional development, mission readiness, and community engagement. In his current role, he helps lead a national membership organization that advocates for Coast Guard enlisted members, connects leaders and units across the service, and provides programs that address workforce challenges, family needs, and enlisted excellence.Rob holds extensive experience integrating Coast Guard capabilities within broader national security frameworks and is known for strengthening communication between the enlisted force and senior leadership. He lives with his family and remains deeply committed to service, mentorship, and enhancing the effectiveness and wellbeing of the Coast Guard community.Links Mentioned During the EpisodeCoast Guard Chief Petty Officers & Enlisted Association WebsitePsychArmor on USCGCPOA WebsitePsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week the PsychArmor Veteran Ready program. This program offers a short, self-paced online training experience that builds foundational understanding of military culture and practical skills for supporting Veterans, service members, and their families with respect and confidence. Large organizations like the Coast Guard Chief Petty Officers Association can partner with PsychArmor to provide this military-cultural education to their members, helping teams, departments, and entire workforces become more Veteran Ready and better connected to the military-connected community.. You can find the resource here: https://learn.psycharmor.org/pages/veteran-ready 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  

Industry veteran Joe Hertrich talks about what matters most on your malt Certificates of Analysis.Special Guest: Joe Hertrich.

Everybody knows about March 15 and the drop in maximum public TLS certificate term to 200 days. But that only scratches the surface on key dates with this maximum term reduction. Join us as we go over "all the dates" for TLS maximum term reduction.

"The Certificate IV in Aboriginal Performance opens pathways into the arts that may otherwise feel out of reach" Simon Stewart.

Connect with Talk Cosmos for the long anticipated outer planet conjunction “Saturn Neptune Aries Awakening”. Igniting our 1st week's potent planetary buzz happening in the cosmos this month, we feature guest Dr. Stormie Grace from Spain who joins host Sue ‘Rose' Minahan with Dr. Laura Tadd.A rare world point cycle is here since Saturn and Neptune 0° Aries occurred in 4,361 BCE! As Saturn's steady orbit conjuncts other-worldly Neptune at 0° Aries, we begin to enter a profound new era of potential spiritual reality.At its highest level, these planets juxtapose popular notions of boundaries and structures to the limitless boundary of the infinite. However, according to Vibrational Astrology research, Saturn represents determining what is essentially fundamental. Stripped down to what is basic, often interpreted as structure, or the bones of an issue. Adding Neptune's essence according to Vibrational Astrology research, it incorporates giving us a sense of the extraordinary adding a special magical component in living. For some, a concert or sport game, but these energies paired together represent at their highest level, a spiritual consciousness.We begin a stage of building a reset of world consciousness. You might ask yourself --how might you step into the gap between your highest vision and your physical reality? Come explore to bridge between infinite spirit grounded into reality, represented in the seen and unseen.Stay connected and subscribe at TalkCosmos.com to catch new episodes weekly on YouTube, Facebook, radio, and all major podcast platforms.STORMIE GRACE DM: Professional astrologer, national & international conference lecturer, keynote presenter, and workshop facilitator with a Doctor of Management (DM) in Business. Teaches astrology and host on YouTube since 2014, and founder of a free YouTube Astrology Academy dedicated to help students through her signature AstroFluency™ Framework. Stormie is currently under contract with Llewellyn Publishing for a book release in 2026 and another in 2027!Stormie bridges spirituality and structure in a way that feels accessible, grounded, and deeply transformative. Creator of Venus Reset, a transformational program designed to help women reconnect with their feminine power, safety in the body, and self-worth, and the founder of Legatia Academy, where she supports creative entrepreneurs in building profitable, purpose-driven businesses through clear strategy, embodied leadership, and strong business foundation.Member of OPA, ISAR, and NCGR; contributor to Astrology Hub, Evolving Astrologer, and Midheaven Magazine. Her work focuses on empowering people to understand their inner worlds while taking conscious action in their outer lives.LAURA TADD: A spiritually oriented psychological astrologer, Dr. Tadd works as an astrological counselor, writer, teacher, and lecturer both in-person and remotely with people worldwide. Laura teaches 6–8-week online courses on astrology and personal mythology and co-facilitates retreats. Next Goddess Retreat in Feb 2026, info at website. Creator of “Moon Journal”. Info at website: MythicSky.comSUE ROSE MINAHAN: an Evolutionary Astrologer Consultant, speaker, writer. Vibrational Astrology student, Dwarf Planet Astrology graduate, Kepler Astrologer Toastmaster. WineCountrySpeakers.org, Associate of Fine Arts Music Degree, a Certificate of Fine Arts in Jazz. Mythology enthusiast, Musician, Artist. Founder Talk Cosmos since 2018 where weekly conversations awaken heart and soul consciousness on YouTube, Facebook, radio & podcasts.#SaturnNeptune #ariesawakening #talkcosmos #astrology2026 #spiritualresetSee 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! Paperwork beats myth every time. We walk through an end-to-end playbook for operating privately while staying effective in public systems: EIN-first setups, layered holding companies, trusts as beneficiaries, and documented cash flow that builds real business credit. Along the way, you'll hear candid wins, including arbitration results against major carriers for inaccurate credit reporting and the exact framing that turns “bad credit” into provable harm.We break down why treating all courts as tax courts changes your approach, how to get an EIN without a Social Security Number, and why the county recorder can be your strongest ally. The structure matters: multiple holding companies reduce risk, a 508(c)(1)(A) private ministry can serve as beneficiary, and a public-facing 501(c)(3) can make banks more comfortable. Private membership associations help legitimize inter-entity fees and create receipts that support funding and underwriting, while careful recordkeeping turns accounts into assets instead of liabilities.IDs and jurisdiction come up with nuance: tribal IDs, Palau IDs, private titles, and county filings are tools, not shields. We stress responsibility, informed use of affidavits and explanatory statements, and the difference between travel claims and legal compliance. The core rule is simple and repeated: you only control what you create. Build the entities, keep the records, move the cash flow, and use arbitration clauses the right way. It's not about gaming the system; it's about understanding it well enough to stand your ground.If you're ready to replace guesswork with process and hear what actually works from people doing it, this one's for you. Subscribe, share with a friend who needs a blueprint, and leave a review telling us which tactic you'll apply first.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

Episode summary Computer-science-turned-cognitive-science researcher and yoga therapist Chen Or Bach joins Amy to share a candid journey from academia to cancer survivorship, from mat-based practice to living yoga moment-to-moment. We trace how the pañca-kośa model reframed her healing, why standards and accreditation helped yoga integrate into Israeli healthcare, and what it means to let go of familiar tools and still remain fully in the path. It's a forward-looking conversation about bringing steadiness (sthira) and sweetness (sukha) into real life—mountain trails, laundry folding, and all.Listen forNature as practice: Boulder's mountains as living teachers of stability in change.Pañca-kośa in plain life: tending annamaya, prāṇamaya, manomaya, vijñānamaya, and especially ānandamaya—not as theory but daily design.When the practice stops “working”: giving yourself permission to let go of certain tools (āsana, set routines) and allow yoga to become how you meet each moment.Healthcare integration: how Israel's modular 1,000-hour training (500 teacher + 500 therapy with specialty tracks) supported hospital uptake.Karma yoga without burnout: serving the field while protecting one's vitality (tapas with svādhyāya and īśvara-praṇidhāna—Kriyā Yoga in action).Key takeawaysĀnanda is not optional. Many of us optimize the outer layers (food, steps) and starve ānandamaya kośa. Intentionally design joy-creating activities; the outer layers flourish downstream.Your practice can change shape. If a tool stops serving, it's not failure—it's viveka (discernment). Let the aim (clarity, compassion, steadiness) stay constant while methods evolve.Standards serve people. Thoughtful accreditation isn't bureaucracy—it's ahimsā and satya for clients and health systems: clear scope, reliable skills, safer care.Karma yoga needs boundaries. Service without self-regulation fuels burnout. Pair tapas with rest, supervision, and community—abhyāsa with vairāgya.Practical micro-practices (try today)Joy audit (5 min): List three ordinary tasks. For each, name one sensory element you can savor (temperature of water while washing dishes, sound of leaves on a walk).Kośa check-in (2 min): Ask: What does my body/energy/mind/wisdom/joy need right now? Choose one small step.Walk as yoga (10–20 min): No metrics. Attend to breath cadence, ground contact, and horizon/sky—let attention, breath, and body cohere.Resources mentionedPātañjala Yoga Sūtra (as study companion during illness)Bhagavadgītā (as a source of resilience and meaning)IAYT-inspired standards and Israel's modular specialty pathways (trauma, oncology, etc.)About our guest — Chen Or Bach Chen Or Bach blends cognitive/neuroscience training with decades of yoga practice and service. In Israel, she helped advance standards that enabled yoga and yoga therapy to integrate into mainstream healthcare, including rehabilitation settings (e.g., TBI). Now based in Boulder, she continues to teach, mentor, and model a life where all life is yoga.Pull quotes“Once your attention, breath, and body are in the same place, the game changes.”“If one tool stops serving you, the tradition still has a thousand doors.”“I stopped ‘doing' yoga and started being it—moment by moment.”“Standards aren't red tape; they're how we protect people.”School 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

Certificates of deposit have been around since the days of bank vacation clubs and paper passbooks. But they've caught up to the digital age, and then some, thanks to the vision and passion of a Seattle-based banker. John Blizzard, Founder of CD Valet, takes us through the ins and outs of an online destination that offers customers some 40,000 choices, likely making it the largest such marketplace in the world. He also shares his views on how forces ranging from AI-driven search to interest rate pressure could shape (and shake) the CD environment in the months ahead.

Send us a textIn Part Two of Protecting Patients at the End of Life: Why CON Still Matters, host Chris Comeaux continues the conversation with two of the nation's most respected hospice policy leaders—Paul A. Ledford, President & CEO of the Florida Hospice & Palliative Care Association, and Tim Rogers, President & CEO of the Association for Home & Hospice Care of North Carolina.This episode moves beyond regulatory theory and into the real-world patient and family experience—especially in states without hospice Certificate of Need (CON) laws. Drawing on decades of leadership, personal stories of loved ones in hospice, and data-informed insights, Paul and Tim explore what families actually face when hospice markets are oversaturated, fragmented, or poorly regulated.The conversation examines how too many choices can overwhelm families, how small, unsustainable hospice programs can dilute quality, and how fraud and inappropriate enrollments disproportionately affect vulnerable populations—often stripping patients of access to Medicare benefits when they need them most.Listeners also gain a deeper understanding of how Florida and North Carolina use CON to balance:Access to hospice careProgram sustainability and scaleRural and underserved community coverageInpatient hospice availabilityProtection against bad actorsThe episode concludes with a forward-looking discussion on what principles—not politics—should guide states that are reconsidering or redesigning hospice CON laws today.This is an essential conversation for healthcare leaders, policymakers, hospice executives, board members, and anyone committed to protecting quality end-of-life care.Guest:Paul A. Ledford, President & CEO of the Florida Hospice & Palliative Care AssociationTim Rogers, President & CEO of the Association for Home & Hospice Care of North CarolinaHost:Chris Comeaux, President / CEO of TELEIOSThe Anatomy of Leadership podcast explores the art and science of leadership through candid, insightful conversations with thought leaders, innovators, and change-makers from a variety of industries. Hosted by Chris Comeaux, each episode dives into the mindsets, habits, and strategies that empower leaders to thrive in complex, fast-changing environments. With topics ranging from organizational culture and emotional intelligence to navigating disruption and inspiring teams, the show blends real-world stories with practical takeaways. The goal is simple yet ambitious: to equip leaders at every level with the tools, perspectives, and inspiration they need to lead with vision, empathy, and impact. https://www.teleioscn.org/anatomy-of-leadership

In Part Two of Protecting Patients at the End of Life: Why CON Still Matters, host Chris Comeaux continues the conversation with two of the nation's most respected hospice policy leaders—Paul A. Ledford, President & CEO of the Florida Hospice & Palliative Care Association, and Tim Rogers, President & CEO of the Association for Home & Hospice Care of North Carolina.This episode moves beyond regulatory theory and into the real-world patient and family experience—especially in states without hospice Certificate of Need (CON) laws. Drawing on decades of leadership, personal stories of loved ones in hospice, and data-informed insights, Paul and Tim explore what families actually face when hospice markets are oversaturated, fragmented, or poorly regulated.The conversation examines how too many choices can overwhelm families, how small, unsustainable hospice programs can dilute quality, and how fraud and inappropriate enrollments disproportionately affect vulnerable populations—often stripping patients of access to Medicare benefits when they need them most.Listeners also gain a deeper understanding of how Florida and North Carolina use CON to balance:Access to hospice careProgram sustainability and scaleRural and underserved community coverageInpatient hospice availabilityProtection against bad actorsThe episode concludes with a forward-looking discussion on what principles—not politics—should guide states that are reconsidering or redesigning hospice CON laws today.This is an essential conversation for healthcare leaders, policymakers, hospice executives, board members, and anyone committed to protecting quality end-of-life care.Guest:Paul A. Ledford, President & CEO of the Florida Hospice & Palliative Care AssociationTim Rogers, President & CEO of the Association for Home & Hospice Care of North CarolinaHost:Chris Comeaux, President / CEO of TELEIOSTeleios Collaborative Network / https://www.teleioscn.org/tcntalkspodcast

In which Linus Chan explores American citizenship, the law, and the long shadow of the Missouri Compromise. Certificate #24581.

In this six-part series, we are joined by family therapist and author Meg Flynn, who brings us a wealth of knowledge from her work with families and kids for over three decades. In this era of high-pressure parenting and busy family life, Meg reminds us of how we can slow down, find the joy in each stage, and focus on what really matters–safety, connection, and growth. Growing Together at Every Stage, Part 4-School Aged Children – Achievement, Comparison, and Vulnerability. In Part 4: School Aged Children – Achievement, Comparison, and Vulnerability, Meg gives concrete ways to connect and support youth as they enter school and begin to compare themselves to their peers. (36 mins) January 28, 2026 This podcast is eligible for a Certificate of Completion if you complete a Post Podcast Test Test The post Growing Together at Every Stage: Part 4 – School Aged Children appeared first on Foster Adopt Minnesota.

How do we heal, grow, and change as apprentices of Jesus? Many of us have subscribed to the traditional Christian approach of “trying harder” to “believe and do what's right,” only to find ourselves stuck and discouraged. Thankfully the vision Jesus casts for transformation shows us a different path forward.Join us for this episode of Soul Talks as Bill and Kristi share how Dallas Willard's mantra, “Don't try — train,” revolutionized their approach to spiritual formation. You'll burn with a desire to become more loving and healthy and get equipped with a practical tool to help you grow in Christlikeness one area at a time.If you want to go deeper into the insights we gained from Dallas Willard, we invite you to join us on a retreat or train to become a spiritual director with Soul Shepherding. You can learn more by following the links below.Resources for this Episode:Attend a Soul Shepherding RetreatEarn a Certificate in Spiritual DirectionYour Best Life in Jesus' Easy Yoke: Rhythms of Grace to De-Stress and Live EmpoweredDonate to Support Soul Shepherding and Soul Talks

Gregg Lunceford, Managing Director at Mesirow Wealth Management and a retirement transition researcher, joins Lesley Logan to explore why retirement is about more than financial planning. He introduces the concept of the “third age”—a longer, undefined stage of life where identity, purpose, and structure matter just as much as money. Together, they discuss why work identity is so hard to release and how shaping your retirement identity early can make your next chapter feel intentional instead of uncertain. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Why modern retirees now face a long “third age” requiring purpose beyond leisure.How work identity provides recognition, social connection, and daily structure.The difference between living as your “ought self” versus your “ideal self.”Why failing to plan identity often leads retirees to burn through money.Why creating a shared retirement vision helps guide future decisions together.Episode References/Links:Mesirow Wealth Management - https://www.mesirow.comGregg Lunceford on LinkedIn - https://beitpod.com/greggluncefordExit From Work by Gregg Lunceford - https://a.co/d/c84euxXThe Psychology of Money by Morgan Housel - https://a.co/d/feJq9lhGuest Bio:Gregg Lunceford has 32 years of experience in financial services. He is a Managing Director, Wealth Advisor in Mesirow Wealth Management and Vice Chair of the Mesirow DEI Council. He creates comprehensive financial planning strategies for individuals, families, organizations, athletes and business owners. He is the Investment Committee Chair for the American Heart Association, on the Board of Directors for the Juvenile Protective Association, an Advisory Board Member for the Nathan Manilow Sculpture Park at Governors State University and is an Advisory Board Member for the Quinlan School of Business at Loyola University. Gregg is also a frequent speaker on WGN radio's “Your Money Matters.” Gregg earned a B.A. from Loyola University, an MBA from Washington University, and a PhD from Case Western Reserve University where he conducted research on retirement. He is a CERTIFIED FINANCIAL PLANNER® professional and holds a Certificate in Financial Planning Studies from Northwestern University. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Gregg Lunceford 0:00  What we all need to start to focus on right now is just like we had that career guidance counselor helping us and coaching us and to that next thing, we need to start taking time to figure out that action plan for that next thing. And once you start to figure out, I need to form a retirement identity and understand my ideal self. You start to self motivate and become excited about it.Lesley Logan 0:27  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 1:10  Okay, Be It babe. This conversation is really cool. It's really, really cool. It might you I'm going to introduce it in just a second, I'm going to introduce the guest, and it might be somebody like when you think about this, you yes, you do. Yes, you do. And I actually am really excited once I hit in on this, because Brad and I have already talked about this topic with each other, but I we've actually not dove into what retirement looks like, right? Like? What does it look like? Who are we, you know. And I think especially if you're an elder like me, you're like, I'm still trying to figure that out for my work stuff, but, but there's, there's an even bigger reason for us to think about it now, and Gregg Lunceford is going to explain that to us, and it's going to give you so much inspiration and a joy and excitement and possibility. And I can't think of a better be it till you see it, thing that be working on than what Greg is going to offer us up today. So here he is. Lesley Logan 2:04  All right, Be It babe, I'm really excited, because when I met this guest, I was like, hold on, this is very different. This is a whole different attitude to have about. Fine, we're going to talk money. And I know some of you want to, like, put your head in the sand and ostrich out, but we're gonna talk retirement. We're gonna talk about some really cool things, also just thought processes to have. We have an amazing guest, the first person ever make me think of this in a different way. Gregg Lunceford from Mesirow, is here to rock our world today. So Greg, tell everyone who you are and what you do.Gregg Lunceford 2:34  Hello, Lesley, thank you so much for the opportunity to be on your show. My name is Gregg Lunceford. I am a career professional in financial services. I work for a firm called Mesirow Financial in Chicago. We have locations across the country and some overseas. I am a wealth advisor. In addition to that, I am also an academic researcher, and my field of study is retirement transition. And so what I work with clients on is getting them, not only do you understand the financial part of retirement, but also the social, emotional components of making the transition and how it is unique to them, because the 21st Century retiree retirement transition is much different and way more dynamic than most people think, having watched others do it in the 20th century.Lesley Logan 3:21  This is so cool, because you're not, like, our, you know, our grandfather or father is like, like, financial planner, you are actually thinking, like, deep about the person. And that I find, I don't think I've known anyone who does that. Like, usually it's like, here are the numbers, here's your sheet. Let's put this in. How much money do you want to have and like, that's it, but you you've brought more personality to it and also more emotions to it. How did you get started in that? Gregg Lunceford 3:47  So I'll give you a little bit of a backstory. So as I mentioned, I've been in financial services for 33 years, and when the real estate bust occurred in 2008 I was working for another organization, and we were having people come in and very successful people, and they were set for life. They were being offered an exit package from their from their employer. They were leaving a lot of C suite roles, or maybe a little role below the C suite. And we were having meetings with them to prepare for retirement, and we would go through all the financial numbers and something still wasn't right. And what I was noticing was they were hesitant to make the retirement decision, even though the company was saying, look, we, giving you this excellent opportunity to exit early create cost savings for us. It'll create great financial opportunity for you, especially because we were in this period of time like unemployment was going above 11%, and so here's the opportunity to take this nest egg and be good, which was counter to what we were taught in our industry when I came in the industry that, you know exiting out was an economic choice, that once you hit a certain number, then you would go look for activit ies of leisure, because work can be depressing and daunting and stressful and all those kinds of things. And even when I was watching, you know, commercial ads from people in the industry and competitors, you know, you'll see something that goes, and I won't call the company, but they had a very successful campaign that said what's your retirement number? Yes. And this number will follow you down the street. Is this? You know, you walk from the door, do you remember that? And you look at your balance, it's like, if today's the day you just tell your boss, I can't stand you, and it's over with, right? And so this was very counter to what I was experiencing. And so I started to talk to some of the senior level people in my organization. I said, there's something going on here and and they said, well, it's probably because they're talking to us, and they're also shopping with other people to see who they which which company they want to work with. So go offer them a great discount, because it's probably all things equal, and it's just they're being sensitive about numbers, once again, making this an economic choice, so we would do that. And what I recognize is the sales cycle got even longer. And so I would go back to them. But I said, have you been looking at the trends for our sales cycle? And you would think that these would be quick, easy, easy sales, you know, because people supposed to be running out of the door, and they took longer. And so I said, there's something we don't understand about someone who is at this stage, and the feedback I got was, if it's something social emotional, there's nothing we can do about it. You know, if someone's afraid about running out of money, you can create an annuity product to take care of them for life. Somebody's worried about interest rates going up, you can create a product that deals with interest rate sensitivity, but nothing can deal with how a person feels. And I didn't accept that as an answer. I thought that was wrong, because the way I view it is, clients hire us, and they trust us, and we can do a better job the more we understand the client beyond just their finances, right? And I felt like there was a big problem here. So I basically said, you know, I want to go back to school and study this. And I negotiated for time to be in class, and I got it. And so I went to Case Western Reserve University. I got into a PhD program there, and I did four years of PhD study and lots of studies trying to figure out what are the social, emotional factors, as well as the financial factors that a person considers when making the retirement decision. And there were just tons of things that I learned in that process that I used to help my clients. Were happy to talk to you about that journey.Lesley Logan 7:37  Yeah, I'm excited to get in with that, because it's really funny as you talk about this, I like, my my family, right? My mom is two years from retirement, and she's got two homes, you know, in California that it, honestly, I was trying to get her to sell few years back because it would have been a great idea. And like, get a condo, be set for life. And we're like, showing her the numbers. We're like, look at this. This is a you, you can set yourself up to just be chill, and she is like, not listening, and I think it's because of the emotional attachment to these properties versus, like, the numbers. And so I can I get that right? Like, I get my my in laws could have retired years ago. I don't think that they know what to do if they don't have work things. And I don't even know that they love their work. I think they like what the what the work represents that they do during their day. So I do want to dive into this, because in being it till you see it like I'm hoping that every listener here gets to live to the age that they desire, like and we all are, as you mentioned, like that, the time that we're in people are living a much longer time, like retired at 65 and dying at 90. It's a long time to not have a J-O-B, right? So it would be really cool to chat with you, because like being it till we see it means including what we want to be. How do we want to be when we're older and not doing the thing we're doing? How do we want to be in retirement? So let's dive into that a little bit.Gregg Lunceford 9:06  Sure, so a couple things I want to cover off on. It was like one, how did we get here? And I think you've already touched on that. The fact is, we're living longer. And so if you are looking at a retirement maybe 50 years ago, when people really started to expire in their late 60s and their 70s. What occurred was you got to 65 and the system told you 65 is the number. Why does this arbitrary number was picked one day when they were trying to figure out Social Security, they said it was 65 is the number, right? And so you come out at that period of time, and you only have just a few healthy years in front of you, or at least you anticipate you only have a few healthy years. So what came out was this concept of a bucket list. So I am going to use these healthy years to travel, play all the golf I can, and have all this leisure that I can before I am too physically unable to do this or mentally unable to do this. And so couple things were wrong there, as it relates to our retirement 21st century. One, we're living longer, so you're going to be physically and mentally able to do something for a long period of time. So if you don't sort of set goals for yourself and see what you can be in the futurem you're going to get bored really, really quickly, and you're going to start to decline very quickly, simply because you're absent of certain things, purpose and drive and and goals and accomplishment. You know, it's more than just a couple rounds of golf that are going to make you happy. And so what I think people don't understand is we are now living in a period of time where it used to be you went from your youth to middle age and to old age. And so this transition from middle age to old age was about that 60 mark, right? And so people just basically said, I have no more control. The system is going to do what it does to me. I'm going to be booted out of my job. I'm going to be sent off to do leisure. I guess that means I play with my grandchildren or volunteer, and I'll just follow suit. And what happened is a lot of people found themselves doing things that weren't rewarding to them. Now we're in a new era, because we live longer. And what is present now is what is called, in academic terms, the Third Age. So you now go from early age to middle age to this Third Age, which is this undefined period, and today's retirees are the first people to go on this, and then you go on the old age, and the Third Age is this 20 year life bonus, where you get to define who and what you want to be. And think about it, you're wiser than you ever been. For most people, you have more financial resources than you ever had. You don't have a commitment to other people, meaning you've raised your children so you don't have to worry about them. Hopefully you're in a position where you don't have to care for aging loved ones, right? So this is a period of time where you can do anything and everything you always wanted to do. And people go, well, what didn't I have the opportunity to do whatever I wanted to do? Not quite, because remember when we were growing up, and those before us were growing up, we were kind of encouraged to do things that were socially acceptable. Rght? Lesley Logan 11:02  I agree. Gregg Lunceford 9:07  It wasn't until recent decades where someone says, I'm going to start a computer company out of my garage. I'm going to drop out of college and do something that's undefined and pioneer so the current generations, entering into into retirement, have never developed this proactive protein behavior the way maybe millennials and Generation Z has.Lesley Logan 12:54  I completely agree. Because, like, I, I mean, I feel very lucky that even though I was raised very much by, like, almost a Boomer and and a hippie like, I do have a career where I am doing whatever I want. I'm an elder millennial, so I have that, but I have friends who are just a few years older than me, and I don't think that they have a they don't have hobbies. If they have a hobby, it's going to the gym. You know what I mean? Like, it's like they don't really have things so outside of their work, it's like, what do you do for fun? Are you kidding? Like there's no and so I feel like what you're getting at is, like, no one has actually spent time thinking like, but what do I actually want? How can I dream about that, right? How can I make that so exciting that that I want to take a retirement package or that I'm excited to I have this I'm not just like, oh, let me go play golf three times a week. Like, what else? I have no purpose. I think it's really fascinating that that there is a good chunk of, like, I would say, probably over 45 who don't really, they're exploring it, but don't know. And how do you figure that out?Gregg Lunceford 13:59  So let me ask you a question. Lesley, what is your earliest memory? Or how about how old do you think you were when someone first asked you what you wanted to be when you grow up?Lesley Logan 14:09  I remember being in elementary school, and I'm sure it was asked of me earlier, because people have told me that I said something different earlier. But I remember in fourth grade, I had to, like, write a poem about who I was and what like, what did it feel like, and what did it sound like, and what did it look like. And I said, a judge, you guys, that should shock everyone.Gregg Lunceford 14:36  My point is so since age 10, someone has been helping you develop your work identity. So people were asking you at home or in your neighborhood or a church or wherever you socialize, what you're going to be then you're going to go to a middle school and you're at the high school and they're going to assign a counselor, going to start telling you to think about college or trade school or whatever it is. Is then you got to get into career. And then whatever career you get in, maybe you're assigned a mentor that's helping you understand or think about how to advance in that career. And then you get to this point where maybe you're like late 40s or 50s. And does anybody help you figure out what your identity will be after work. Lesley Logan 15:22  No, as you're saying this. Gregg Lunceford 15:24  You're on your own. You're on your own. And the only thing that was different here is when they put you into that position where you were felt forced into retirement, right? And then there was also a safety net there in the form of a pension that doesn't exist the way it once did, and there were other government safety nets that may not exist the way they once did before, when they put you there, you just said, okay, I'll accept it, because I'm only going to be around five years anyway. So let me work on this bucket list, but you never really thought about and I think people don't really dig into thinking about what the value of work is, beyond the financial resources it provides. So they get to the tail end of their career, and some people may not even think about it anyway, either. So career, because you've spent all this time having these conversations, you start developing this identity because your work, you become what your work is, right? And so, so a lot of people look at the economic resources it provides, but work also provides for us ways to get psychological success. Who doesn't like completing a task and getting recognition, and if you're in a good working environment, right? Everyone says, Let's applaud Lesley because she did this for the team which created this opportunity for the company, which created this value that she should be recognized for, right? So that that's very important, that gives you a reason to get out of bed, that gives you a reason to thrive, and that has some value when you walk out of the work environment. How do you replace that when you go into this third age? The second thing is, work provides socialization. No matter what you think about your work colleagues, if you like them, that's great. They give you somebody that you want to see every day, that you become personal friends with, that you grow with, that you learn to care about. If you hate them, they give you something to laugh about at the end of the day. You know what that idiot Bob did today again, right? That gives that gives you more than you think, right? And so work provides socialization. And then the third thing that work provides that we often overlook is structure in your day. What to do with your time, right? And so for a lot of people, when they don't have somewhere to go, something to do that makes them feel accomplished, and people to be around that they enjoy or either get some form of comical satisfaction from, they're lost when you put them out there on their own. And so what I learned and through my research is this transition for a lot of people, is the first career transition that they've made independently, and it is scary. Lesley Logan 18:08  Yeah. I mean, when you put all that together and I'm just like, going, wow, you know, people aren't it, one of the questions we've got on the pod is like, how do you make friends as a note when you move to a new place? It's like, I mean, for us, we work for ourselves. So, like, we didn't have a place to go to make, you know, so I, my husband and I have a different experience in, like, how to find socialization and structure to our day. And, you know, like we've had to make it happen. But for so many you know, my dad, he quit his he quit his security job. Yes, guys, my 72 year old father was a security guard, but he quit it because he got frustrated. Anyways, he is back working as a crosswalk guard because he's like, I'm bored. I have nothing to do, and I'm like, but dad, we could get a hobby. We could play these game like, all this stuff. And it's because he never, ever, ever in his whole life, did anyone ever encourage developing the skills outside of work.Gregg Lunceford 19:06  Developing a retirement identity, right, developing a retirement identity. And what also makes it hard is, you know, when you are developing a retirement identity, like I said, this is your first shot at personal freedom in life. Okay, when you're growing up, you had to do what your parents told you to do. Then you became an adult, and then you had all these set of responsibilities. And so you were doing what people told you you ought to do. You were really working on your art self. So if you're going to have a family, you ought to find a job that produces enough income, you know. So you didn't really think about ideally what you wanted to do. And what is really amazing to me is I've interviewed some highly successful people that do amazing things, and when I start talking to them about forming their ideal self, the stuff they come up with is so counter to what what and who they are. It is. Is amazing to me. So I get cancer surgery or successful attorneys or engineers to say I want to learn how to write mystery novels, or I want to start a rock band. And so what it points to me, and what it what comes out to me is these are probably things that they wanted to do in the 10, in their teens, in their early 20s, all along, but they couldn't do that because society told them these are not the things a person ought to do. You know, if they want stability in terms of income, if they want respect in their community, if they want you know, the structure that around it allows them to have a family and not have to worry about things. And so now you get to this third age, and I saw all off the table. You're wiser than you've ever been. You have more financial resources than you've ever had. You know, you have more personal freedom. Now you get to, really, for the first time, work on who your ideal self, not your ought self, who you want to be. And if you get it right, you're the only person you have to hold accountable. If you get it wrong, you're the only person you have to hold accountable. And so some people go, well, Greg, what does it have to do with money? I think people who don't take time to find this identity burn through a lot of money trying to find themselves. Right? And so, when I first started this journey, I was trying to find a cohort of individuals that had finished their career, achieved financial success and had 30 years ahead of them. And what were their behaviors, and where you consistently see this is with professional athletes, right? You're out of the game early. Right? You're in your 30s, and you're Tom Brady, you're 40, but that's the long game. But you're really out in your late 20s, your early 30s, you don't have financial concerns, right? And what is the behavior? And sometimes we demonize athletes for dysfunctional behavior after Hey, but all they're showing us is who we are going to be if we don't develop a retirement identity.Lesley Logan 22:09  Yes, Greg, you are 100% correct there. I think most people, think most people will say they don't know how to manage their money and and to your research and what we've been talking about here, it's not about managing money it's about they don't know who they are without their sport because they spent, for those people, they spent, literally, since they were a child in that sport and getting so many accolades, and then all of a sudden, no one cares. No one pays attention to them. For the most part, they're not going to be on TV like, that's it. And so I think it, I think you're spot on. It's not about the money responsibility, although they might need to learn some. It's about who, who are they now that they're not playing.Gregg Lunceford 22:50  Right and so then you go, well, this athlete just went broke because they put all this money in his business. Well, they're trying to get the same accolades in business they got in sports, right? They're trying to replace that identity that made them feel good, made them feel accomplished and some people are very successful at it. Those aren't. But my point is, there has to be a road map to get that yes, and it doesn't always have to be in business. It could be in your civic activities. It could be you learning to act, or you become in sport, but you have to first of all imagine who your ideal self is. And just like you were coached and you read and you trained to build that ought self, hopefully, for some people, a lot of people, the ought self is their ideal self, and they're usually entrepreneurs like you, where you that you know what, I'm not going to go to normal path. I'm going to carve a path for myself, and entrepreneurship gives me that freedom. But for a lot of people, they have to figure out now that I've satisfied all these obligations to other people and other things, who do I ideally want to be and then work at how do I get there? Because if you go in there blindly, you're just the same as that person out of that was in sports or any other industry, you're just trying to find this quick hit to replace all of these accolades or psychological successes you got. And you can blow up a lot of money doing that. So the well being comes from getting all of these components right, not just as we were taught in the 20th century, just making sure you don't run out of money. Lesley Logan 24:26  Gregg, this is insane. So okay, so I love all of this. And it's, it's, it's like, so aligned, because I'm always like, can't be you're not gonna get right the first time. Like, we have to ditch perfection, which, of course, in workplace, it's very honed. Like, check the box. Do it right. Do it right. So you have to talk to the boss about how you did it wrong. Like, get it right. Like, so of course, when you, when you retire, if you haven't been working on these things, you're you're going to be hard on you're going to take your ought self into your retirement. So I guess, like, first of all, I don't think that most financial retirement planners do any of these questions. So when, if, when people come to you talk retirement, are you like pulling are you like asking them what their ideal, what they want their ideal self to be? Do they even know how to find it? What questions do they have to ask themselves? Gregg Lunceford 25:13  Well, we do have. We have. We have a lot of conversation about, you know, not only can you financially afford it, we can put some numbers of software and come up with that answer pretty quickly, right? But we also have a conversation about, what do you think your lifestyle will be, and why do you think this is right for you? And what do you want to accomplish? And you know, some folks will come in and say, hey, I think I want to start a small business, right? And so we might talk about them, and they don't want they don't want work again in the way they want it, but they want something to do that is work on their own terms. So a lot of this is you changing the terms of what you're doing and because when we go, especially if we go to work for a corporation or some that's usually a unilateral contract, right? The person the institution is telling you, I'll give you X amount of dollars if you do this. And you say, but what if I did a little different? No, you don't get a choice in that. This is what you got to do, right? And what we're recognizing is we do have some power in that. We do have some power. I've seen a lot of people be successful in going back to their places of work and negotiating consulting contracts. And they basically said, you know, I don't want to do nine to five, but if you have a special project that you bring on, let's say you bring you on new software, whatever, and this is going to be a nine-month project, or it's going to be something you need few hours, you know, out of the week and but I get the summers off. I'm your person for doing that. And that's how they're able to get from their ought self into their ideal self, because the time that they're not there, they now start to figure out what their personal freedom, what they really like to do. So I think of one person now, he was very successful at this, but he also was confident enough talking to his employer, because he was the head of HR, so he knew he was a little bit more comfortable. But basically what he did was he got to this point, and he was ready to make this transition now, but he didn't know what he wanted to do. So he went to and he said, look, I'm the head of HR, I got 70 people reporting to me. I'm willing to give all of my direct reports to my successor. If you help me, let me help you identify my successor, and help me groom your successor. So his role became more of coach, manager, mentor, in this last couple of years, and that was three days a week. He said the other day a week. These are institutions, nonprofit institutions, that we, as an organization, support. I want one day to volunteer with one of them, and so now they get a free executive for one day a week. That was great for the company. Worked out well. He said, then the fifth day of the week, I just want a day off. I want to see if I really enjoy leisure. Everyone tells me I'm supposed to play all these rounds of golf and lay back and relax. Let me make sure that that's the right thing for me. So he has three days a week that he is engaging in what he traditionally knows in terms of what his identity is. He has one day a week to see if he wants to change his identity in his community through his volunteerism, and he has one day a week to figure out if I just want to exit all together. And the answer is, you can do one of the three of those. You can continue doing all of the three of those. What we have now is, if you shape them correctly, is we have what are called boundary-less careers. And so this is where I think, you know, we give Millennials a bad rap. We give millennials a bad rap because we always say, well, they like to do a gig economy. They don't stay anywhere 30 years. But what they're really engaging in is today's boundary-less career, where they define success for themselves, versus going down the traditional path, which says you can only be successful by going up the pyramid. For them is, you know what? I can be equally financially successful. I can gig here, gig there, and add it all together, or I can and get this personal freedom and know how to negotiate so that I'm spending more time, just as much time developing my ideal self as I'm developing my ought self.Lesley Logan 29:21  Oh my gosh, Gregg, you just like, I think you're the first person to ever give the millennials a compliment. But thank you. Constantly find myself defending, like, I'm like, what are we talking about? Like, we're not bad, we're we're a group that's how to really fight, like, figure things out. Because when we came into the world where we got a job, like, everything was so uncertain. You know, between 911 and between, that's when I went to college, and then I got out of college, and it was like the recession, like, there's not, there's not been an opportunity to have a certainty of a 30-year career. But I think what you're, what I'm, what I love about what your saying is, like, we've actually been spending our careers figuring out who we are, and like, spending time doing that. And I am obsessed with what the example of the guy you gave, because I think so many people can start playing with that right now. So many companies are looking to go to a four day work week, you know, like, so many places are looking to have like, Okay, you're in office for some days and you're at home for other days. Like, we can look at those opportunities as ways to figure out our retirement identity. Gregg Lunceford 30:22  Right. And a lot of us get stuck in this, oh, well, I work for this large corporation. They aren't flexible. There are a lot of small, medium sized companies that are in growth mode that that model works very well. That's what they can afford. And they need the institutional knowledge and the wisdom you got to be able to and this is where we go back to talking about boundary list careers. You got to think about all of the universe and parts of it you don't even know exist. This is where your personal curiosity has to kick in to get what you want. Lesley Logan 30:53  Yeah. Yeah. Okay, Gregg, so I feel like you are a unicorn though. Like, I really do feel like, because, I mean, obviously, what a cool company, that they're like, yeah, go, take four years to figure out this idea you have, and then, like.Gregg Lunceford 31:09  Well no, they weren't that cool. That's why I'm here. Lesley Logan 31:14  Okay, that's cool. Gregg Lunceford 31:15  I kind of, I took a lot of flack as I was doing this, and because people were going, we don't understand why you're doing thi, right, and you know, we don't really understand your need to do it. And there were a few key executives that said, you know, they were really supportive of me, but overall, it was, you know, I was sort of like I was trailblazing, and people were going, you you have a very good set of responsibilities here, that you could be highly successful. Why do you want to tinker with the mouse trap? And I said, I think this would make me a better advisor to my clients, if I, if I came to understand this now, back then, and, you know, there was no one talking about psychology. I'm a certified financial planner now, the CFP exam as of I think, like two, three years ago, 11% of the exam is psychology now. But I was, I was in a very uncomfortable space, but I believed I was right. So when you start talking about, you know, be it till you see it, right, I'd be, I was in a very uncomfortable space. And this is my book, Exit From Work, I write about it in my book, but I am glad I had the journey, because I feel as though I'm a better professional, and my clients appreciate it.Lesley Logan 32:21  Yeah. I mean, like, you know, years ago, I read the book Psychology of Money, right? I think that's what it's called, or maybe it's called profit, but I think that's money. And, like, I said, like, the type of person you have to be to get money is very different than the type of person you'd be to keep the money. And I was like, like, that's, by the way, that's, like, the thing I remember from the whole book, it's, but at any rate, I remember that sticking going, hold on a second. Like, we as people have to evolve, like, one on the getting, two on the keeping, and that goes kind of along with what you're saying. Like, you know, you have to understand the emotion psychology behind all of this. Because, yes, spreadsheets are great, but with AI, like, we don't need a bunch of people do a spreadsheet anymore. So there's that we need someone to help guide us to like, well, who is it like, where is this money going? What do you want to do with it? What like was also, what if, instead of like, okay, here comes our retirement age, what if it's like, oh my gosh, like, I can't even wait, or, actually, I'm going part time now, and my retirement is part time, and I'm doing all these other things. Like, that's so cool that you, I mean, you do that, it's not easy to be a trailblazer. It's not easy to be the only person talking about it, though. Gregg Lunceford 33:27  Right. It's rewarding in the end, and so, and I think a lot of people find it liberating, because if you got 20 years, you just really want to do what people tell you you ought to do. I mean, especially when you spent the first 60 doing that. And so really, what this third age is supposed to be. It's supposed to be the most dynamic part of your life, right? It is a way to course correct or either enhance something that's already gone well for you, versus a lot of people going to retirement, because that's what retirement was when it first started off, it was really this negotiation between management and labor, where, especially, we were in an industrial society. So labor was more physical, right now we're in a service economy, so it was really more cerebral. But back then, you know, they wanted a management wanted employees who could swing a hammer so many times a minute, and that was usually somebody under age 40, and this is where we start getting age protection laws, right. And anyone over 40 they wanted out of the workforce. So, you know, retirement didn't start off as this, oh, this is this great thing, and they're going to write me checks for the rest of my life. It didn't start off as that. It really started off as you were really making someone feel devalued because you you didn't have any and so we've gone along with this model. It wasn't until maybe, like the 19 late 70s or 1980s when we went into this global recession where people started getting offered these early retirement packages to come out of companies because globally, a lot of people, a lot of companies, had financial issues to deal with. And what they weren't expecting when they let this 55 year old go is that life expectancy was starting to go up, and so now this 55 year old is now living to 80, and they got the best end of the deal. And what is happening financially right now is people are looking at their parents and grandparents who got that deal, and they're going, I can never afford to do what they did, and not realizing that that was an anomaly. And so a lot of people, socially, emotionally, feel like they're failing, and they don't want to talk about retirement because they feel as though I'll never be able to do what the person did before me and therefore there must be something wrong with what I'm doing or what me and the reality is the game is changing, and so you actually have more personal freedom than they have. And just like they walked into a unique situation, you have to craft a unique situation for you that works.Lesley Logan 36:04  Yes, that, Gregg, this is, you're a historian. You're like a life coach and like the person we all need to be thinking about when it comes to like, because it doesn't matter how I mean, obviously we're told, like, the earlier you can start thinking about retirement, the better. But people don't want to do that, like I said the beginning of this. They want to put their head in the sand, like, I can't be my grandparents, so I'm just going to keep doing what I ought to do, and just and like, we'll deal with that later. We'll figure out the number later. But I think if we can, like, start thinking about it now, it really does allow us to curate the experience we have with work, but then also set ourselves up for that third age where we can have a really good time getting to know ourselves even deeper, and not not losing money along the way.Gregg Lunceford 36:51  That's correct, because in that third age, you may convert a hobby. So I have a friend who was in banking with me. He would always go take a week or two off every year and just go to Europe and backpack. He would stay at, you know, two three star hotels. He was like, I'm not there every day. And he would just go take the most amazing pictures he bring them back to the office. And we would go, Jim, you know, you should have an art show. And he was like, Nah, they're just hobbies or whatever. And he had a hard shell, and people started buying his art. And so, you know, now in retirement, you know his joy also produces income. And so he has defined work on his own terms. It doesn't even feel like work to him. And so what a lot of people who are looking at their parents and grandparents and then going, you know, they got this pension for life, and they don't offer pensions anymore, and they didn't get sandwiched. So they didn't have the burden, financial burden of raising kids and having to take care of parents. I'm stuck. I'll never be able to do that. There's something wrong you don't understand. You now have this 20 year life bonus, where you can learn to gig, you can learn to I often point to the show The Golden Girls. I don't know if the creators of the show knew what they were doing or they intentionally did this, but look at that model. I think that's the model a lot of people are going to have to go to. And I think you touched on this a little bit earlier. You start talking about your father and your in laws. And you know, we don't have kinship the way we once did, once small, we have smaller families, right? Two, geographically we disperse, right? And so what in this planning process of your ideal self, what you also have to learn how to do is to replace kinships with friendships. So that's what was going on in that in that Golden Girls house, you had Dorothy and her mother, Sophia, that had a kinship, but where they didn't have kinship, they replaced it with their roommates with Blanche and Betty (inaudible). And so now that you have this replacement of family that you trust and you get along with, now you got four people to split your rent with, so that makes the money go longer, right? Yeah, then you start talking about what went on every day. Well, sometimes they were doing volunteer work, and then they had to spin off where they bought a hotel. So they basically were doing their own version of a gig economy, right? They were engaging as much as they wanted to or not. Then they had socialization from each other. There was always something going on in that house, right? Yes. And so, right? And then they had things to create psychological success. So I don't know if the creators of the show recognized at the time, but to me, I looked at it as sort of foreshadowing what people have to create for themselves on their own with this life bonus, and it will help them both financially, as well as their mental and their mental well being. Lesley Logan 40:00  Gregg, yes. I mean, I joke with my friends who have kids. I'm like, I just want you to know that your kid is gonna have to take care of me because I don't have kids. But really, actually, I just need to find my Golden Girls, my husband. I just need to find a co op, a little commune of all of our friend all of our friends who don't have kids, we actually like what we're being with. And we could have a great little retirement home, maybe make it a BnB. This what I what I just I'm obsessed with, and why I got excited to have you on is, you know, oftentimes the Be It Till You See It podcast really talks about, like, what we can do right now, like, for right now, what we can do to be it till we see it tomorrow, or for the thing we want next year. Or there might be some stuff I have never thought of it as like, what can we be doing right now to be it till we see it for retirement in a way that we can choose, like we get the life is literally what we want, and the research you've done, the education you've had, and how you've literally seen it implemented in unique ways, because of all this work, is so cool. It makes me excited to actually, like, look into that future. Because, like, I'm like, I'm like, I'm not gonna look past 50, because I got things to do with my job, with the job that I created for myself. It's like, oh, hold on a second. What, like, what can I be playing with right now so that I know what I'm gonna do past 50, so that I have something to look forward to. So I'm excited about it. So, Gregg, what are you most excited about right now?Gregg Lunceford 41:20  I'm excited about I'm writing and researching and learning about the person I'm becoming. So and so I often joke with my clients, but I'm really not joking. They'll come back and they'll tell me some amazing experience they had, and I always tell them, leave me a list of notes so I know where to start when it comes to my time, and I say that jokingly, but it's something it is serious. What we all need to start to focus on right now is just like we had that career guidance counselor helping us and coaching us. And to that next thing, we need to start taking time to figure out that action plan for that next thing. And once you start to figure out I need to form a retirement identity and understand my ideal self, you start to self motivate and become excited about it. So what I really enjoy about what I've done through my work, whether it be here as an advisor or through my research, is that I'm helping people understand that they have a lot to be encouraged by, right? You're going to get 20 years to do whatever it is you want to do. And what I also want people to be understanding of. You don't have to leave the workforce if you're doing something awesome already. Just keep doing it. And if you want to modify that in some kind of way, figure out a plan, or figure out your terms and how to negotiate those terms. Say you can do that. Lesley Logan 42:51  Oh, I just like each answer. I just get more excited for people. I'm excited for myself. Like, I'm like, wow, this is so fun. We're gonna take a brief break and then find out where people can find you, follow you, work with you and your Be It Action Items. Lesley Logan 43:00  Okay, Gregg, where can they connect with you? You have a book, Exit From Work, but where, where can they go to chat with you, work with you like, get more ideas about their retirement identity?Gregg Lunceford 43:14  Sure, so I can be reached at mesirow.com so our website, M-E-S-I-R-O-W dot com, on that, if you put in my name in our search engine, Gregg Lunceford, you'll come up with my team web page. We'll have my bio, my contact information, also a list of all my publications. Also, if you're interested in my book, Exit From Work. This can be found on amazon.com, and I'm always encouraged by people who take time to drop me a note, or we didn't even go into I talked about the Golden Girls situation. We didn't even go into their academically based retirement communities. Now, basically, instead of dormitory you lived in when you were in your late teens and 20s, now people are going back to retire near where they went to school. So they now have, because we don't have these kinships, they're now bracing building friendships based on the fact that they're alumni, or they love the school and and so it's sort of like this, you were living in the Golden Girls subdivision, maybe. Lesley Logan 44:15  Oh, my God. Gregg Lunceford 44:15  So there are all kinds of things that are going on right now, and I just, I write about it in my book too. I just want people to learn about that so they don't feel as though they're confined to what they saw their parents do. Lesley Logan 44:27  Yeah, yeah. Oh my gosh, Brad, when you listen to this, we'll choose your school, because he went to music school, so we'll choose that one.Gregg Lunceford 44:37  He could, he could probably teach all the people I know they want to start a rock band. Lesley Logan 44:41  Yeah, yeah, yeah, him and his buddies. That could be their whole little they would love it. Okay, you've given us a lot, but I do want to dive into the bold, executable, intrinsic or targeted steps people can take to be it till they see it. What do you have for us?Gregg Lunceford 44:56  Okay, so what you first have to do is you have to create a vision. And if you have a partner, it is very important that that be a shared vision. The last thing we want to do is get to the end of our career and then have conflict with our partner. And a lot of that happens because most couples do not talk about retirement. They don't even know if the other partners is saving for retirement. Like 40% couples don't even talk about this. Don't even do the calculation to get past them. So so if you haven't even done the basics on that end, talking about this thing you aspire to be is very difficult because And so last thing you want to do is you both jump in it, and then you you're stuck and you're unhappy. So create a vision. If you have a partner, make sure that's a shared vision. And then start talking about goals. Engage someone like myself, who's a financial planning professional, to help you see how you can align your financial wherewithal with those goals. And then think differently. Think about being your best self at this stage, not being someone who society just said it's time for you to leave, because that's not the case. You have more value to offer a lot of people than you think.Lesley Logan 46:07  I do, I love that. This is an episode I really hope my in-laws actually listen to. I really am. I'm actually just really excited for even our our listeners who who are like, you know, they might be in there. They might be, like, 15, 20 years away from retirement, but, or even 10, but, like, we have a bunch of them, and I hope this helps them rethink that, because I think sometimes there's a fear to, oh, my God, you know. And you just said it like being the system has told them that they're done, but you're not done. And so I just you've given, like, so much excitement around this topic, and joy and possibility. So Gregg, thank you for being you. You all, how are you going to use these tips in your life? We want to know. Make sure you tell Gregg Lunceford your takeaways. I'm sure it will make his day. Share this with friend who needs to hear it, that friend who's like, so worried all the time, like, absolutely needs this. And you know what to do until next time, Be It Till You See It. Lesley Logan 47:01  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 47:44  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 47:49  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 47:54  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 48:01  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 48:04  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Show SummaryOn today's episode, we're featuring featuring a replay of a recent conversation that PsychArmor's own Carole Turner had with Jim Lindsay on the Howard's Huddle podcast. Provide FeedbackAs a dedicated member of the audience, we would like to hear from you. If you PsychArmor has helped you learn, grow, and support those who've served and those who care for them, we would appreciate hearing your story. Please follow this link to share how PsychArmor has helped you in your service journey Share PsychArmor StoriesAbout Today's GuestJoshua Parish is an Iraq War Veteran who's greatest passion is helping veterans when they transition into civilian life and giving them the best opportunity to be successful. Parish has over 15 years of experience working with local, state, and federal government agencies creating programs that have developed sustainable solutions including: Veterans Treatment Court, Transitional Housing for Homeless Veterans, Veterans Transportation Initiative, among others. Parish has been awarded the Community Leader Best of Michigan Award and a Veteran Hero Award. He holds a Juris Doctorate degree from Western Michigan Thomas Cooley School of Law. Parish is an avid golfer and enjoys spending time with his wife and children. Links Mentioned During the EpisodeVet Life WebsiteDownload the Battle Buddy AppFrom Glory Days: Veterans Edition Podcast  PsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is The PsychArmor course 15 Reasons to Hire a Military Spouse. As an employer, you are looking for untapped talent pools. One talent pool that can be overlooked is the diverse and highly educated group of military spouses. Take this course to learn the top 15 Reasons to Hire a Military Spouse. You can find the resource here: https://learn.psycharmor.org/courses/15-Reasons-to-Hire-a-Military-Spouse 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 this week's episode of the Seven Figure Consultant Podcast, originally broadcast in June 2025, I spoke to Joanna Lott about the realities of building a coaching or consulting business from the ground up. We explored the challenges new entrepreneurs face, from defining a niche and mastering marketing to overcoming visibility fears and developing a strong money mindset. Joanna also shared practical advice on leveraging personal connections, adapting to client needs, and embracing the messy, rewarding journey of entrepreneurship. Whether you're just starting out or refining your approach, this episode offers actionable insights for growing a thriving consulting business. In This Episode: [00:00:00] Joanna shares her background and motivation for helping coaches. [00:01:17] Discussion about the gap between coach training and actually building a business, and the misleading promises from training organizations. [00:03:21] Joanna describes the shock new coaches face regarding marketing, sales, and the importance of niching. [00:05:20] Clarifying the focus on executive and corporate-facing coaching, and the dual audience of organizations and individuals. [00:09:15] Advice on aligning marketing messages to organizational pain points and the importance of targeting decision-makers. [00:11:45] Joanna's advice on choosing a specialism, researching organizational needs, and being open in client conversations. [00:15:10] Discussing the discomfort around sales, visibility, and the money mindset issues new coaches face. [00:17:17] The value of reaching out to existing contacts for leads, and the vulnerability involved in doing so. [00:21:00] Stories about landing first contracts, learning to ask about budgets, and the evolution of pricing confidence. [00:23:58] The importance of being willing to fail, adapt, and learn from missed opportunities in proposal and offer development. [00:25:16] Encouragement to embrace high-ticket pricing and the reality that there's no single "right" answer in new service creation. [00:28:36] The role of resilience in entrepreneurship, celebrating growth milestones, and the emotional rollercoaster of early business. [00:31:58] Recognizing that business growth takes time, and the need to persist through uncertainty and discomfort. [00:34:40] Stories of how both hosts' businesses changed over time, and the importance of letting your brand and offers evolve. [00:38:38] Practical advice for new coaches. Key Takeaways: Visibility, sales resistance, and money mindset are the biggest hurdles. Getting over the fear of being seen and learning to confidently price your services are non-negotiables if you want to grow. Many high-value corporate contracts begin with a simple message to a past colleague. Be clear, be specific and always end with a question, not a full stop. Successful proposals start with curiosity. Don't cling too tightly to a pre-planned offer - let conversations with organizations shape what you deliver and how you position it. Quotes: "The heartbreaking thing is that people just don't buy freedom or having a great life. They don't buy coaching. They buy the result that they want." - Joanna Lott "I find clients get very attached to their offer. … If they just take a step back and really, really listen in those conversations, they could gain more opportunities. Because if you're trying to only pitch your one little offer that you've got in your head that you want to sell, it's really tricky. Get the other person talking as much as possible as to what their challenges are, and then essentially use your coaching skills to reflect everything you heard and decide at that point, if that's something that you want to offer or not." - Joanna Lott "So I think it is being willing to learn and fail in public in front of people that perhaps you used to know. And yeah, not always knowing the right answers… There is no one right figure that's going to mean you are 100% guaranteed to get this contract." - Joanna Lott "We can only learn in the trenches, in the sandbox, by getting our hands and feet dirty. That's the way it has to be." - Jessica Fearnley "I often find those conversations that I get my clients having have a really fruitful outcome in terms of leads and sales. Even this year, I've got several clients who've made multi six-figure deals just by phoning up people that they've known for 20 or 30 years. It's such a quick win, but that can be such an uncomfortable thing to do because all of these things come up, like, 'who am I to ask for this?'" - Jessica Fearnley   Useful Links Joanna: JoannaLottCoaching.com 2025 Success Planner for Coaches Women in the Coaching Arena Podcast Jessica: Buy Jessica's book, Too Much, on Amazon Join the Making Your First $100k as a B2B Consultant workshop Get in touch with Jessica to discuss your consulting business Leave a rating and review for the Seven Figure Consultant Podcast Connect with Jessica on LinkedIn   Guest Bio Joanna Lott is a business coach who helps qualified coaches attract clients with honesty, not hype. As the host of The Women in the Coaching Arena, a top 2.5% globally ranked show, she provides practical strategies to help coaches grow thriving, sustainable businesses. With a track record of successfully selling executive, career and business coaching services to both organisations and individuals, Joanna has now supported hundreds of coaches in building profitable, integrity-driven businesses through strategic marketing. She is an ICF Associate Certified Coach and holds an ILM Level 7 Certificate in Executive Coaching & Mentoring, bringing a wealth of practical experience and professional expertise to her work.

A bipartisan bill signed into law last year is now giving Native Americans residing in Arizona the option to update their state-issued identification to show their tribal affiliation. As KJZZ's Gabriel Pietrorazio reports, it comes at a time when Indigenous peoples are being swept up in immigration raids – including Peter Yazzie (Navajo), who was recently detained by U.S. Immigration and Customs Enforcement (ICE) agents in the Phoenix metro area. This new marker is akin to getting an organ donor or veteran insignia on any form of ID, including a driver license. To do so, applicants need to prove that they're enrolled in a tribe by submitting a Certificate of Indian Blood (CIB), and so far, the Arizona Department of Transportation has gotten more than 1,600 requests for the designation. That idea of streamlining legal documents came from State Rep. Myron Tsosie (Navajo/D-AZ). “Instead of having to dig out all your cards to show that you are Native American.” And had nothing to do with ICE. “That wasn't the purpose, but I'm hearing from constituents saying that I feel safer now.” And it's something Thomas Cody, executive director of the Navajo Nation's Division for Child and Family Services, is encouraging his Diné urban relatives to seek out. “It's unfortunate that we have to have an ID that we're Native Americans. We shouldn't but I'm glad the state of Arizona, Gov. [Katie] Hobbs is taking an extra step.” His deputy director Sonlatsa Jim thinks this service is much-needed – not just for Navajos living in the Grand Canyon State. “Because we are the largest Native American tribe, you'll find a Navajo tribal member anywhere in the United States.” That's why Tsosie is working with neighboring Utah and New Mexico state lawmakers to adopt his legislation aiming to help cover more of Indian Country, including the rest of his sprawling 27,000-square-mile reservation. The federal government is reviewing the business program that benefits Alaska Native corporations and tribes. The Alaska Desk’s Alena Naiden from our flagship station KNBA reports. In a video posted on X January 16, U.S. Secretary of Defense Pete Hegseth said his department will review the 8(a) Business Development Program. That program falls under the federal Small Business Administration (SBA) and supports businesses owned by socially disadvantaged individuals or tribes including Alaska Native Corporations. We are taking a sledgehammer to the oldest DEI program in the federal government—the 8(a) program. pic.twitter.com/c9iH8gcqG7 — Secretary of War Pete Hegseth (@SecWar) January 16, 2026 Sec. Hegseth said in the video that the 8(a) program promotes the diversity, equity, and inclusion (DEI) framework and race-based contracting. In the 8(a) program, the federal government sets aside contracting opportunities for disadvantaged small businesses. Tribal entities can have multiple companies in the program, while individuals can only have one. Alaska Native Corporations rely heavily on federal contracts often received through the 8(a) program. Data from the Federal Reserve Bank of Minneapolis shows that it is their primary source of revenue. And most of those contracts come from the U.S. Department of Defense. Quinton Carroll is the executive director of the Native American Contractors Association, and originally from Utqiagvik. “Native participation in the 8(a) program is not a DEI initiative.” Carroll says the program “fulfills longstanding federal trust and treaty obligations to tribes, Alaska Native Corporations, and Native Hawaiian Organizations.” Hegseth ordered a line-by-line review of sole-source 8(a) contracts that are over $20 million. He said in the social media video that the department will get rid of contracts that do not make the country's military more lethal. Hegseth also said the department will make sure that the businesses getting a contract are the ones actually doing the work. He claimed that often small businesses receive the contract, take a fee, and pass it to a giant consulting firm. However, Carroll says Native federal contractors have been partners of the Department of Defense. He added that Native contractors also support the elimination of fraud and waste within the program. The 8(a) program has faced scrutiny from other directions as well. President Donald Trump signed an executive order in April, directing rewriting of federal contracting regulations. The SBA and Treasury department have been both investigating the program as well. Get National Native News delivered to your inbox daily. Sign up for our daily newsletter today. Download our NV1 Android or iOs App for breaking news alerts. Check out the latest episode of Native America Calling Friday, January 23, 2026 — Native Bookshelf: “Special Places, Sacred Circles” by Virginia Driving Hawk Sneve

Send us fan responses! The journey from selling plasma to generating $3.3 million in a year sounds like a myth—until you hear the steps. We break down the exact cash-flow loop that starts with $400, multiplies across multiple business accounts, and creates the kind of lender-ready activity that banks fund. Then we layer on manufactured spending, airtight receipts and invoices, and the paperwork discipline that turns “maybe” into approvals.From there, we zoom out to structure. We talk about converting your name into an LLC, adding a manager-managed holding company in a strong asset-protection state, and using that stack to separate risk, build business credit on cash flow, and report trade lines. We dive into 508-style ministry trusts and how families can protect assets, define succession, and strategically leverage tax credits. You'll hear why addresses and zip codes influence underwriting, how to use virtual addresses, where to find grants, and how to win with arbitration when a bad tradeline causes real harm.Mindset keeps the engine running. We get honest about leaving old circles, building new rooms, and using daily self-talk to keep your focus where it pays. There's even a practical travel gem: the XO app membership trick to snag discounted private seats when operators need to fill planes, turning flights into networking runs. This is street-smart financial literacy, stripped of fluff, built for people who want a repeatable, document-first path to funding and freedom.If you're ready to turn activity into approvals and structure into long-term leverage, listen now. Subscribe, share with someone who needs a plan, and leave a review with the first step you're taking today.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 which Futureling Kate tells John about the rise, fall, and attempted revival of a millennial obsession. Certificate #30063.

Add Punycode to your Threat Hunting Routine Punycode patterns in DNS queries make excellent hunting opportunities. https://isc.sans.edu/diary/Add%20Punycode%20to%20your%20Threat%20Hunting%20Routine/32640 GNU InetUtils Security Advisory: remote authentication by-pass intelnetd telnetd shipping with InetUtils suffers from a critical authentication by-pass vulnerability. https://www.openwall.com/lists/oss-security/2026/01/20/2 6-day and IP Address Certificates are Generally Available Let s Encrypt will now offer 6-day certificates as an option. These short-lived certificates can be used for IP addresses. https://letsencrypt.org/2026/01/15/6day-and-ip-general-availability Oracle Quarterly Critical Patch Update Oracle released its first quarterly patches for 2026, fixing 337 vulnerabilities https://www.oracle.com/security-alerts/cpujan2026.html#AppendixFMW

In which Futureling Richard Stephens tells of the rapid rise of a Revolutionary general through the military ranks, the challenges he faced as a person of color in a predominantly white society, and the decline of his legacy under Napoleon's regime. Certificate #40773.