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Building on last week's discussion about why rolling over your old 401(k) into an IRA could be a smart move, this episode flips the script. It explores seven compelling reasons you might want to leave your 401(k) with your previous employer instead. I break down factors like fees, company stock advantages, penalty-free withdrawals, legal protections, and unique investment options that could all influence your decision. If you're approaching retirement or just planning your next career move, this episode is packed with insights to help you make the best choices for your financial future. You will want to hear this episode if you are interested in... [04:12] Leave company stock in 401k to use net unrealized depreciation, potentially saving on taxes via long-term capital gains. [08:55] Consider keeping company stock in an old 401(k) to avoid taxes and penalties if under 59.5 years. [10:01] IRA withdrawal exemptions and strategies. [16:01] Consider keeping your old 401 (k) for potential loan access, but check if your provider permits non-employee loans. [17:50] Deferring 401(k) distributions explained. When to Leave Your Old 401(k) With Your Previous Employer Changing jobs often means making quick decisions about retirement savings. While rolling over your old 401(k) into an IRA is a common choice, there are significant advantages to leaving it where it is. This week, I'm discussing the situations when maintaining your previous employer's retirement plan is advantageous. 1. Potential for Lower Fees If you worked for a large organization, their 401(k) plan might offer exceptionally low administrative and investment fees, especially if they've chosen robust menus with index fund options. While IRA costs have dropped due to strong competition among major financial institutions like Schwab, Fidelity, and Vanguard, some large employer plans still offer a lower cost. Always compare fees before making a move; sometimes, your old 401(k) will be the most cost-effective option available. 2. Tax Benefits of Company Stock (Net Unrealized Appreciation) Do you have significant company stock in your 401(k)? You could benefit from the unique tax break called Net Unrealized Appreciation (NUA). This allows you to pay lower long-term capital gains rates on your stock's growth instead of higher ordinary income rates. However, to take advantage of NUA, you must carefully roll out your stock and be mindful of any 10% penalty if you're under 59½. Know your stock's cost basis and consult with a tax professional to determine if waiting is best, especially if your cost basis is higher. 3. Penalty-Free Access Between Age 55 and 59½ Left your job between 55 and 59½? Here's a little-known benefit: you can tap your old 401(k) penalty-free before age 59½. If you roll the balance into an IRA, that door closes, unless you qualify for rare exceptions. This rule can be crucial if you need those funds to bridge the gap to retirement, so consider leaving at least part of your balance in the plan until you turn 59½. 4. Enhanced Creditor Protection Federal law (ERISA) offers 401(k) plans strong protection from creditors and judgments, even in bankruptcy. While rollover IRAs are also protected under federal and many state laws, the details can get complicated. Certain states may limit IRA protections, so it's wise to investigate your state's rules. Segmenting rollover IRAs from contributory IRAs can also help simplify tracking and protection. 5. Access to Stable Value Funds Some 401(k) plans offer stable value funds, a low-risk investment choice that often comes with a guaranteed minimum rate of return. While money market funds are currently paying more, that could change if interest rates drop. In lower-rate environments, stable value funds could offer an edge and a safe harbor for your retirement assets. 6. Possible Loan Availability Need to borrow against your retirement savings? Some plans allow you to take a loan from your 401(k), even after leaving the company. However, this isn't universal, since loan repayments are usually tied to payroll. Check with your plan administrator to see if this benefit applies; if it does, it could be an important safety net. 7. Required Minimum Distribution (RMD) Deferral if Still Working If you work past age 73, keeping your funds in a 401(k) with your current employer lets you defer required minimum distributions (RMDs). That's not the case with IRAs. Consolidating old 401(k)s into your current plan can simplify RMD timing and let your funds grow tax-deferred a bit longer. Make an Informed Move Rolling over your 401(k) may seem automatic, but there are times when staying put is the better choice. Carefully assess fees, tax implications, creditor protections, and your unique needs. Most importantly, consider working with a fiduciary, fee-only financial advisor who understands your entire financial picture. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan
This week on Two Parents & A Podcast — we're getting into the stuff no one tells you about becoming a new parent (REQUEST FROM Y'ALL: Comment the craziest thing you learned as a new parent that no one told you—because we know there's more) From the first postpartum period (it was insane), to the unexpected ways your body, routine, and relationship shift, we're talking about worst and best parts of this phase. Before we get into it, we share updates on consolidating Tate's feeding cadence, what happened on our parents night out (Alex Warren concert!!!), and our first home reno project finally being done!! Plus, remember computer typing class??? Because we do - and we suddenly want to play Sims and Where in the World is Carmen Sandiego? In Things We DMed Each Other — a wild peek into how Cocomelon producers optimize for kid engagement (terrifying??), and a conversation on revenge bedtime procrastination (yes, it's real). WE LOVE YOU GUYS! Timestamps: 00:00:00 Welcome back to Two Parents & A Podcast 00:02:10 Consolidating your baby's feeding cadence 00:06:05 How long can you eat food for past the written expiration date? 00:16:10 Parent's night out: Alex Warren concert 00:21:15 Do you remember computer typing class? 00:23:45 We finished our first home reno project!! 00:29:35 Things We DMed Eachother: The test Cocomelon producers use to optimize the show's engagement with young children 00:34:15 Revenge bedtime procrastination 00:39:15 What no one tells you: First postpartum period 00:50:10 What no one tells you: Everyone's experience is different 00:53:05 What no one tells you: Mundane things are more fun 00:55:07 What no one tells you: The body is incredible 01:00:00 What no one tells you: Strain on the relationship? 01:01:45 What no one tells you: NOTHING grosses you out 01:03:10 LOVE YOU GUYS! #twoparentsandapod ---------------------------------------------------------------- Thank you to our sponsors this week: - Hungryroot – For a limited time, get 40% off your first box plus a free item in every box for life. Go to https://www.Hungryroot.com/TWOPARENTS and use code TWOPARENTS. - Boll & Branch – Get 15% off, plus free shipping on your first set of sheets, at https://www.BollAndBranch.com/alex. - Bombas – Head to https://www.Bombas.com/TWOPARENTS and use code TWOPARENTS for 20% off your first purchase. - Cleveland Kitchen – Want to make gut health easy and delicious? Find Cleveland Kitchen's fresh, fermented foods in the refrigerated section of your local grocery store, or have them delivered straight to your door via Instacart. Get $4 off at https://www.clevelandkitchen.com/podcast. ---------------------------------------------------------------- Listen to the pod on YouTube/Spotify/Apple: https://www.youtube.com/@twoparentsandapod https://open.spotify.com/show/7BxuZnHmNzOX9MdnzyU4bD?si=5e715ebaf9014fac https://podcasts.apple.com/us/podcast/two-parents-a-podcast/id1737442386 ---------------------------------------------------------------- Follow Two Parents & A Podcast: Instagram | https://www.instagram.com/twoparentsandapod TikTok | https://www.tiktok.com/@twoparentsandapod Follow Alex: Instagram | https://www.instagram.com/justalexbennett TikTok | https://www.tiktok.com/@justalexbennett Follow Harrison: Instagram | https://www.instagram.com/harrisonfugman TikTok | https://www.tiktok.com/@harrisonfugman ---------------------------------------------------------------- Powered by: Just Media House – https://www.justmediahouse.com/ ---------------------------------------------------------------- Learn more about your ad choices. Visit megaphone.fm/adchoices
As I delve into the intricacies of Project 2025, a sense of profound transformation and controversy envelops me. This initiative, backed by influential conservative think tanks such as the Heritage Foundation, is more than just a policy blueprint; it's a vision for a radically reshaped federal government, one that centralizes power in the White House and challenges the very fabric of American governance.At its core, Project 2025 is rooted in the unitary executive theory, an expansive interpretation of presidential power that aims to consolidate control over the entire executive branch under direct presidential oversight. Kevin Roberts, a key proponent, succinctly captures this ambition: "All federal employees should answer to the president."[4]One of the most striking aspects of Project 2025 is its plan to dismantle the independence of various federal agencies. The Department of Justice, the FBI, the Federal Communications Commission, and the Federal Trade Commission are all targeted for reform, with the intention of placing them firmly under presidential control. This move is not merely administrative; it represents a fundamental shift in how power is distributed within the federal government.For instance, the State Department is slated for significant overhaul. Project 2025 advocates for the dismissal of all leadership roles within the department before January 20, 2025, to be replaced by ideologically vetted leaders appointed to acting roles that bypass Senate confirmation. Kiron Skinner, who authored the State Department chapter of the project, reflects this ideological bent, suggesting that most State Department employees are too left-wing and need to be replaced by those more loyal to a conservative president. When questioned about specific instances where State Department employees obstructed Trump policies, Skinner admitted she couldn't name any[4].The scope of these changes is vast and far-reaching. The 900-page policy proposal outlines the elimination of entire agencies, such as the Consumer Financial Protection Board (CFPB) and the United States Agency for International Development (USAID). These actions are part of a broader effort to streamline the government and save $1 trillion, but they come with significant human and institutional costs. As of the latest data, the Trump administration, guided by Project 2025, has either laid off or plans to lay off 280,253 federal workers and contractors across 27 agencies[5].The execution of these plans has been anything but smooth. The Trump administration, aided by Elon Musk's Department of Government Efficiency (DOGE), has implemented these reforms in a manner described as chaotic and legally questionable. Musk's DOGE has taken the Project 2025 blueprint and amplified its impact, often through methods that test the legal boundaries of executive power. This turbulent approach has led to the elimination of agencies and the firing of tens of thousands of workers, all while pushing the limits of what the executive branch can legally achieve[5].Experts and critics alike warn of the devastating consequences of these actions. The Center for Progressive Reform is tracking the executive action proposals under Project 2025, highlighting the potential harm to workers and the broader public. These actions, they argue, will have "devastating consequences for workers, the environment, and public health and safety"[3].As I reflect on the ambitions and implications of Project 2025, it becomes clear that this initiative is not just about administrative reforms but about reshaping the fundamental balance of power in the U.S. government. The project's proponents see it as a necessary step to streamline government and align it with conservative ideals, while critics view it as a dangerous erosion of checks and balances.Looking ahead, the next few months will be crucial. As the proposed changes continue to roll out, the legal and political fallout will likely intensify. The Supreme Court, which has historically supported a stronger unitary executive, will play a pivotal role in determining the legality of these actions. Meanwhile, the public and Congress will need to grapple with the consequences of a government that is increasingly centralized and ideologically driven.In this journey through the complexities of Project 2025, one thing is clear: the future of American governance hangs in the balance. As the project's vision continues to unfold, it will be up to the American people, their elected representatives, and the judiciary to ensure that the principles of democracy and the rule of law are upheld. The path ahead is fraught with uncertainty, but one thing is certain – the impact of Project 2025 will be felt for years to come.
In this company update I speak with Sean Kingsley, President and CEO of Gold Hunter Resources (CSE:HUNT - OTCQB:HNTRF - Frank:6RH), to break down the company's recently announced land consolidation and a $2.5M financing. All paving the way for an aggressive 2025 exploration program at the Great Northern Gold Project in Newfoundland. Key Highlights: The company has consolidated key land positions along the Doucer's Valley Fault, filling in critical gaps near historic workings like the Browning Mine and high-grade gold showings. A clean deal structure: 2% NSR on new claims with a 1% buyback for $1M and no underlying royalties, ensuring a clear path forward for development or partnerships. Gold Hunter now controls multiple gold zones - 18+ target areas identified - with 5 priority targets to lead an initial 10,000-meter Phase 1 drill program this year. The airborne VTEM survey is expected to begin in mid-to-late June, helping refine targets and guide boots-on-the-ground fieldwork and drilling. Fully permitted and road-accessible, the project is supported by Newfoundland's Junior Exploration Assistance (JEA) grant program and backed by an experienced team focused on discovery beyond known zones. CEO Sean Kingsley also explains the regional geological significance of the Doucer's Valley Fault, drawing comparisons to multi-million-ounce gold systems along major structural corridors like those seen in Calibre Mining's portfolio. If you have any follow up questions for Sean please email me at Fleck@kereport.com. Click here to visit the Gold Hunter Resources website.
HCI Equity co-founder and chief investment officer Doug McCormick discusses the firm's approach to buy-and-build strategies in large, fragmented and stable markets as well as navigating the challenging M&A environment in 2025.
In this episode, Warren Ingram and Pieter de Villiers discuss the critical concept of diversification in investing. They explore its benefits, the risks of over-diversification, and strategies for effective asset allocation. They touch on the importance of balancing index and active management, simplifying investment strategies, and embracing uncertainty as a key component of successful investing.TakeawaysDiversification is essential for long-term investment success.Over-diversification can lead to diluted returns.Invest across different asset classes, regions, and company sizes.Time diversification helps manage market volatility.Avoid chasing the latest investment trends to prevent losses.A balanced portfolio should include both index funds and active management.Simplicity in investment strategies often yields better results.Consolidating investments on fewer platforms can reduce complexity.Understanding market cycles is crucial for effective diversification.Diversification is a powerful tool against uncertainty in investing.Learn more about 10X Investments today: https://bit.ly/4hiEscGSend us a textReal Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts SpotifyHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod
NEWS: LP, allies in House consolidating | May 28, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.
There are times when moving your money isn't just a good idea, it's necessary. Figuring out *when can help you protect your investments, reduce your taxes, and stay aligned with your long-term goals. In this video, Peter with Richon Planning and Erin Kennedy detail the 8 moments you should move your money. They are: -Rebalancing -Roth conversions -Age 59 1/2, the in-service distribution -Leaving a job -Fees are too high -Under performing -Your time horizon has changed -Consolidating accounts Ready to take action? Download “The Countdown to Retirement”—a guide that challenges conventional wisdom and helps you craft a plan that safeguards your lifestyle, comfort, and peace of mind. And don't forget to check out the other videos in this special series, as we Countdown to Retirement! Visit www.RichonPlanning.com, or call Peter at (919) 300-5886.
Interview with Simon Marcotte, President & CEO of Northern Superior Resources Inc.Our previous interview: https://www.cruxinvestor.com/posts/northern-superior-resources-tsxvsup-consolidating-next-big-gold-camp-6910Recording date: 15th May 2025Northern Superior Resources (SUP) presents a compelling investment opportunity through its strategic consolidation of the Chibougamou Gold Camp in Quebec. The company has successfully transformed what was once five separate companies into a two-player district alongside major partner IAMGold, creating critical mass around a combined 12.4 million ounce resource base.The investment thesis centers on Northern Superior's superior asset quality at Filibert, which offers 15-18% higher grades (1.1 g/t) compared to IAMGold's flagship Nelligan deposit (0.95 g/t). More importantly, optimization analysis demonstrates that minor cut-off adjustments could improve Filibert's grade by 40% while retaining 90% of the ounces. This grade advantage becomes crucial for bulk tonnage operations where early cash flow determines project viability and payback periods.Recent exploration success reinforces the value proposition. Northern Superior's latest discovery of 18 meters grading 2.5 g/t gold, including 5 meters at 7 g/t, opens significant underground potential beneath existing open pit resources. This follows the successful model at Detour Lake, where underground expansion has delivered exceptional profitability through higher-grade material.The timing is optimal. IAMGold is approaching "cruise control" at their Côte Lake operation and management has indicated their focus will shift to Chibougamou development, targeting 15+ million ounces across the camp. With all assets within trucking distance and designed to feed a central processing facility, the camp's proximity economics create substantial synergies.Multiple value creation paths exist: organic development, optimization partnerships with IAMGold, or potential takeout as the camp advances toward development. Given junior gold stocks trading at historic lows relative to gold prices and the structural advantages Northern Superior has built within this emerging district, the company offers leveraged exposure to both the macro gold thesis and micro execution excellence.—View Nothern Superior Resources' company profile: https://www.cruxinvestor.com/companies/northern-superior-resources-incSign up for Crux Investor: https://cruxinvestor.com
In this episode of Life Accelerated, host Olivier LaFontaine welcomes Joe Maringer, SVP and National Sales Manager at MassMutual Ascend to explore how annuity distribution is being reshaped by digital transformation and shifting market dynamics. Joe discusses how MassMutual Ascend is adapting to today's market by investing in technology to streamline advisor workflows, simplify purchases, and enhance in-force management. He shares insights from overcoming operational challenges during a rebrand and improving customer experience. Joe also highlights the role of AI and predictive analytics in enabling faster customer authentication, smarter call routing, and proactive service models. Beyond technology, Joe reflects on the human side of the business, emphasizing the importance of building long-term trust with distribution partners and clients. By focusing on both digital innovation and personal connection, MassMutual Ascend is positioning itself as a leading force in a competitive and growing annuity market. Key Takeaways: Streamlining the advisor experience is critical to unlocking future annuity growth. Operational resilience and strong partnerships create lasting competitive advantage. AI adoption should enhance human relationships, not replace them, in financial services. Jump Into the Conversation: (00:00) Streamlining annuity execution and why digital visibility is everything (00:45) Meeting the new annuity customer: Higher expectations and digital experiences (03:00) How MassMutual Ascend evolved through focus, acquisition, and rebranding (06:59) Navigating volatility: Why guaranteed income is gaining renewed attention (12:19) Making annuities easier to buy: Consolidating the financial advisor workflow (18:11) Lessons from 2022: How operational stress led to better service models (25:11) Enhancing the advisor experience with real-time dashboards and self-service tools (34:03) Leveraging AI for faster customer authentication and predictive call routing (39:07) Why human advice still matters in the age of automation and robo-advisors (42:30) MassMutual Ascend's growth outlook: Building loyalty through better experiences Resources: Connect with Joe Maringer: https://www.linkedin.com/in/joe-maringer-4965304/ Check out MassMutual Ascend: https://www.massmutualascend.com/ Connect with Olivier: https://www.linkedin.com/in/olivierlafontaine/
Consolidating emotional recovery.
IrishJobs has published the results of its Jobs Index for Q1 2025, revealing a cautious approach to hiring among firms in the Science and IT sectors ahead of the US Presidential Administration's 'Liberation Day' tariffs announcement. The total number of quarterly job vacancies increased by 5% reflecting the continued strength of the Irish economy and labour market. With close to record low levels of unemployment and moderate domestic growth, the Irish economy is in a strong position to navigate the economic volatility ahead. This economic uncertainty is set to become the new normal over the coming months due to the potential introduction of trade barriers and the emergence of a more protectionist trading environment. The uncertainty created by this shifting trading environment is already starting to impact hiring sentiment in some internationally traded sectors. There has been no change in quarterly job vacancies in either the Science or IT sector according to the Q1 Jobs Index, indicating these sectors have adopted a "wait and see" approach to hiring. The Science sector is composed of a wide range of Pharmaceutical and Life Sciences multinationals which are exposed to potential sector specific trade tariffs. This cautious hiring sentiment is also evident in the IT sector, which could be impacted by retaliatory measures levied by the EU on digital service providers. Consumer-driven sectors associated with the domestic economy, which are less directly impacted by the global trading environment experienced quarterly vacancy growth. Retail (6%), Sport and Fitness (9%), and Sales (28%) all posted strong quarterly vacancy growth. Sectoral trends The Catering sector (11%), which includes jobs in hospitality, accounted for the largest number of vacancies over the past three months. Health (7%), Sales (7%), Management (7%), and Customer Services (6%) completed the top five sectors that made up the largest number of vacancies. Consolidating a trend that emerged in Q3 2024, the Construction sector (5%) contributed marginally more job vacancies than the IT Sector (4.9%). Another property-related sector, Engineering, generated a similar proportion of job vacancies (4.6%) as the IT sector. This continues a broader trend of an uptick in construction and property related job vacancies over the course of 2024. Regional activity Findings from the Index show that several counties with large cities experienced moderate to strong increases in job vacancies, including Galway (22%), Waterford (13%), and Dublin (3%). In county Galway, Staff Nurses, Production Operators & Engineers, and Customer & Sales Assistants were some of the most in-demand roles over the quarter. Engineers, Maintenance Technicians, and Staff Nurses were among the most in-demand role in Waterford in the first three months of 2025. Hybrid and remote working trends Findings from the Index show that the proportion of hybrid working vacancies as a share of total vacancies has increased to 11% over the past three months. Over the past three quarters, the number of hybrid working vacancies as a share of total vacancies has remained stable or slightly increased. These findings suggest that hybrid working will continue to be a substantial feature of the Irish labour market over the coming months. In contrast, the share of fully remote vacancies as a proportion of overall vacancies remains relatively low at 2.4%. While there was a slight increase (0.1%) in the share of fully remote job vacancies over the past three months, their availability remains down 80.6% from the peak recorded in 2021. These trends indicate that fully remote work vacancies will likely remain stable at a relatively low level into the future. Commenting on the release of the index, Julius Probst, European Labour Market Economist at The Stepstone Group and IrishJobs, said: "The Irish labour market continues to perform well, with an exceptionally low unemployment rate of 4% paired with employment gains of about 70,0...
An award-winning investigative journalist, James Corbett started The Corbett Report website in 2007 as an outlet for independent critical analysis of politics, society, history, and economics. Since then he has written, recorded and edited thousands of hours of audio and video media for the website, including a podcast and several regular online video series.00:00 Introduction and Current Events00:16 The Role of Klaus Schwab and the WEF01:21 Bilderberg Group and Media Secrecy03:48 Historical Continuity of Power05:50 Eugenics and Population Control09:25 Technocracy and Energy Credits12:18 Digital Currencies and Surveillance14:45 Public Perception and Climate Skepticism23:24 Censorship and Online Presence25:32 The Golden Age of RSS Feeds26:32 The Social Media Dilemma28:09 Censorship and Content Reposting33:00 The New World Order Book Launch33:40 Trusted Sources and Subjectivity35:26 Big Oil and Climate Narratives44:19 The Future of Cryptocurrency47:14 Geoengineering and Climate Control49:08 Final Thoughts and Resourceshttps://corbettreport.com/How & Why Big Oil Conquered The World (two videos): https://corbettreport.com/bigoil/100% unofficial; run by a fan: Corbett Report Update Service https://x.com/CorbettReportThe Corbett Report (Unofficial) on YouTube: https://www.youtube.com/@CorbettUnofficial =========AI summaries of all of my podcasts: https://tomn.substack.com/p/podcast-summariesMy Linktree: https://linktr.ee/tomanelson1
US equity markets advanced, consolidating the strong gains recorded in the previous session and lifting the S&P 500 and Nasdaq to their highest settlements since 15 April as investors continued to cheer a cooling President's rhetoric around tariffs and his criticism of Federal Reserve Chair Jerome Powell- Dow rose +420-points or +1.07% to 39,606.57, paring an earlier rally of as much as 1,189-points that lifted the index to 40,376.11. Amazon.com Inc (up +4.28%) and Nvidia Corp (+3.86%) both gained ~4%.
Hello to you listening all over the globe!Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Wednesdays on Whidbey and your host, Diane Wyzga.After 5 unbroken years on the podcast airwaves with 1,200 episodes and over 202,000 plays it's time to take a break from producing daily episodes. Why? To shake things up and unbalance the status quo of this podcast.I'm consolidating and reorganizing Stories From Women Who Walk to make it even more relevant to you, my global audience, bringing even more truth and value. For now 60 Seconds episodes will be broadcast 3 days a week on Monday, Wednesday and Friday to celebrate, illuminate, comfort, inspire, and motivate.I intend to focus on my Substack platform beginning with a name change from Wyzga on Words back to Quarter Moon Story Arts where I can summon the wisdom of a storyteller, the audacity of an activist, and the values of a lawyer to better share communication and storytelling skills with you. Why? So that you can say what you mean, mean what you say, and be seen, heard, understood, and listened to in these days. In other words, change things! Check me out on Substack and subscribe!Expect a revitalized NewsAudioLetter, maybe short and sweet interviews because brevity is a girl's best friend, workshop ideas and more.Meanwhile, click HERE to access all 1,200 (!) episodes of Stories From Women Who Walk archived for your listening pleasure! Please feel welcome to email me at info@quartermoonstoryarts.net with your questions and suggestions.Be well, do good trouble work, and keep in touch! You're always welcome: "Come for the stories - Stay for the magic!" Speaking of magic, I hope you'll subscribe, share a 5-star rating and nice review on your social media or podcast channel of choice, bring your friends and rellies, and join us! You will have wonderful company as we continue to walk our lives together. Be sure to stop by my Quarter Moon Story Arts website, check out the Services, arrange a Discovery Call, and Opt In to stay current with me as "Wyzga on Words" on Substack.Stories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicAll content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved.
Consolidating essential care tech into one, optimized ecosystem is how Mike Wang, former Green Beret and cardiothoracic nurse, and Founder and Chief Clinical Officer of Inspiren, is working to make his revolutionary tech the standard across senior living. Listen as Mike discusses how his devices are created with caregivers in mind that provide actionable data to help inform optimized operations. Produced by Solinity Marketing.Become a sponsor of Bridge the Gap.Sponsored by Aline, NIC MAP, Procare HR, Sage, Hamilton CapTel, Service Master, The Bridge Group Construction and Solinity. Produced by Solinity Marketing.Become a sponsor of the Bridge the Gap Network.Connect with BTG on social media:YouTubeInstagramFacebookTwitterLinkedInTikTokMeet the Hosts:Lucas McCurdy, @SeniorLivingFan Owner, The Bridge Group Construction; Senior Living Construction Renovation, CapEx, and Reposition. Joshua Crisp, Founder and CEO, Solinity; Senior Living Development, Management, Marketing and Consulting.
As I have tried to get my over grown trees trimmed I was left with piles of branches and limbs that will not fit in one green waste bin. So my mind goes to how can I consolidate and create a better yield with what I have. This starts the thoughts for this episode.
The path to scaling a successful dental group isn't always smooth, as Dr. Bradley Dykstra candidly reveals in our raw conversation about overcoming critical staffing challenges. When unexpected provider departures left his practices struggling, he turned to temporary dentists—a decision that spiraled into financial strain and team burnout."They just want to come and collect their paycheck," Dr. Dykstra shares about the locum tenens experience that cost his practice dearly. Through this painful journey, he learned crucial lessons about vetting providers, setting clear expectations, and maintaining accountability. His honest reflection offers invaluable guidance for any healthcare organization facing similar staffing dilemmas.Beyond staffing solutions, we explore the counterintuitive strategy of consolidation. By reducing from seven locations to six, MI Smile Dental Group strengthened their bottom line and optimized resources. "It's not number of locations, it's the bottom line that really counts," emphasizes Dr. Dykstra, challenging the growth-at-all-costs mentality common in healthcare. Looking ahead to 2025, Dr. Dykstra reveals his innovative approach to hygienist compensation—treating them as true providers with production incentives rather than fixed salaries. This forward-thinking strategy aims to attract motivated clinicians while controlling labor costs in an environment where insurance reimbursements remain stagnant despite rising expenses.Whether you're managing temporary staffing challenges, considering practice consolidation, or reimagining compensation structures, this episode delivers actionable insights from someone who's navigated these waters. Visit https://mismilesdentalgroup.com to learn more about their approach to dental practice management.If you need help finding the perfect location or your ready to invest in commercial real estate, email us at admin@leadersre.com Sign up for a FREE vulnerability analysis and lease renewal services View our library on apple podcasts or REUniversity.org. Connect on Facebook. Commercial Real Estate Secrets is ranked in the top 50 podcasts on real estate
Effective inspection report writing requires finding the perfect balance between thoroughness and client accessibility, with strategic organization making all the difference in client satisfaction and efficiency.• Report summaries should be placed at the beginning, not the end, of inspection reports for maximum client usability• Common industry fear that front-loaded summaries create liability has little evidence to support it• Consolidating report sections (like combining all bedrooms under "Living Spaces") streamlines reports without compromising quality• Separate bathroom and kitchen sections from general living spaces for clarity and client expectations• Limit canned comments to 5 primary options per item to avoid wasting time scrolling through excessive choices• A streamlined report takes less time to create and is far more useful to clients and contractors• The Einstein principle applies: if you can't explain something simply, you simply don't understand itCheck out our home inspection app at inspectortoolbelt.com, which makes scheduling and report writing easier than ever.Check out our home inspection app at www.inspectortoolbelt.comNeed a home inspection website? See samples of our website at www.inspectortoolbelt.com/home-inspection-websites*The views and opinions expressed in this podcast, and the guests on it, do not necessarily reflect the views and opinions of Inspector Toolbelt and its associates.
How can you guarantee a fabulous retirement?Retirement isn't just about the dollars—it's about designing a life of freedom, security, and fierce self-expression.In this episode, we're diving into nine essential money moves every LGBTQ person (especially fabulous folks over 45) should make to retire with confidence, not chaos.Because let's face it—only 35% of LGBTQ Americans over 45 feel financially ready for retirement. And we deserve better.From ditching debt and dodging tax traps to building a “bitch, I'm fine” fund and finding your post-career purpose, we're breaking down the strategies to help you retire with peace of mind and a little sparkle.This episode is your mini masterclass in queer retirement prep—with just the right amount of sass, stats, and soul.
Interview with Simon Marcotte, President & CEO of Northern Superior Resources Inc.Recording date: 28th March 2025Northern Superior Resources is positioning itself as a key player in Quebec's Chibougamau gold camp, where the company has been leading consolidation efforts in what CEO Simon Marcotte believes will become "the next big gold camp to emerge" in Canada.The Chibougamau camp currently hosts approximately 12.5 million ounces of gold resources between Northern Superior and IAMGold, with substantial growth potential. What makes this district particularly attractive is the proximity of multiple deposits to each other, creating an opportunity for a hub-and-spoke operation where several deposits could feed a single processing facility.Northern Superior's flagship Philibert project currently hosts about 2 million ounces at 1.1 g/t gold. Marcotte emphasizes that by increasing the cut-off grade slightly, the grade rises to 1.3 g/t while only losing about 10% of the ounces. This gives Philibert significantly higher grade than IAMGold's nearby Nelligan project, potentially positioning it as the ideal "starter pit" for the district.The company is currently conducting a 20,000-meter drilling campaign at Philibert, which has already yielded promising results, including a 26-meter intersection grading 2.6 g/t gold located 200 meters east of the current pit design.Northern Superior sees multiple strategic pathways forward, including possible acquisition by IAMGold, forming a joint venture with IAMGold, attracting another major producer as a partner, or developing a standalone operation. Marcotte believes district-wide consolidation is inevitable, stating it "makes too much sense to wrap all projects together somehow not to do it."In a separate strategic move, Northern Superior recently spun out its Ontario assets into ONGold Resources while maintaining a 62% ownership stake. ONGold's key assets include the TPK project and the Monument Bay project (3 million ounces at 1.2 g/t), the latter now in partnership with Agnico Eagle.Management and key investors collectively own 25% of Northern Superior, creating strong alignment with shareholders. The team includes CEO Simon Marcotte, Chairman Victor Cantore (known for success with MX Exploration), and largest shareholder Michael Gentile.As the gold sector experiences improving market conditions, Northern Superior appears well-positioned to benefit from increasing institutional interest in the junior gold sector and the growing appetite for quality assets in stable mining jurisdictions like Quebec.View Northern Superior Resources' company profile: https://www.cruxinvestor.com/companies/northern-superior-resources-incSign up for Crux Investor: https://cruxinvestor.com
Fastest 5 Minutes, The Podcast Government Contractors Can't Do Without
This week's episode features a deep dive on the President's Executive Order, Eliminating Waste and Saving Taxpayer Dollars by Consolidating Procurement, which directs the consolidation of certain types of “domestic federal procurement” under the General Services Administration in an effort to “eliminate waste and duplication.” This episode is hosted by Peter Eyre and Yuan Zhou. Crowell & Moring's "Fastest 5 Minutes" is a biweekly podcast that provides a brief summary of significant government contracts legal and regulatory developments that no government contracts lawyer or executive should be without. Eliminating Waste and Saving Taxpayer Dollars by Consolidating Procurement: https://www.whitehouse.gov/presidential-actions/2025/03/eliminating-waste-and-saving-taxpayer-dollars-by-consolidating-procurement/
In this engaging simple step on the Uncommon Wealth Podcast, host Phillip Ramsey delves into the often-overlooked mantra of "set it and forget it" in financial advising. He challenges this traditional mindset and offers practical advice on how to take a more hands-on approach to personal finance management. Phillip's insights aim to equip listeners with the tools needed to better manage their 401ks and other investment accounts, emphasizing the importance of maintaining a clear view of one's financial situation.Phillip shares the benefits of consolidating old 401k accounts and how rolling these over can simplify financial management and potentially enhance growth. Throughout the episode, listeners are encouraged to reevaluate their financial strategies, focusing on the impact of dollar cost averaging and the significance of consistent contributions. Phillip's expertise shines as he breaks down complex financial concepts into easily digestible advice, underscoring the necessity of staying engaged with one's finances.Key Takeaways: Avoid the "set it and forget it" approach; always stay informed about your financial status. Consolidate old 401k accounts for better visibility and easier management. Rolling over 401ks can simplify the process of making contributions and tracking growth. Dollar cost averaging is a powerful strategy for consistent investment growth over time. Proactive financial management is crucial in navigating and succeeding on your financial path.Notable Quotes: "You should never forget about your money. You actually should be way more in tune to your money than I think a lot of people would like you to be." "Consolidating old IRAs or old 401ks and rolling them over helps you see exactly how much money you have." "The more that you can fund that consistently fund an account, the better chance it has to be growing." "My challenge to you is try to figure out all your old 401ks, consolidate them, and roll them over either into your own IRA or your current 4
President Donald Trump signed an executive order Thursday to consolidate the contracting of common goods and services, including information technology, under the General Services Administration. Within 30 days of the order's issuance, GSA will take over as the executive agent of all governmentwide acquisition contracts (GWACs) for IT, as designated by the Office of Management and Budget. “Consolidating domestic Federal procurement in the General Services Administration — the agency designed to conduct procurement — will eliminate waste and duplication, while enabling agencies to focus on their core mission of delivering the best possible services for the American people,” the order says. As part of GSA's new role, the administrator will be able to “defer or decline” being the executive agent of IT governmentwide contracts “when necessary to ensure continuity of service or as otherwise appropriate.” Other major GWACs for technology across the federal government include the National Institutes of Health Information Technology Acquisition and Assessment Center's vehicles like its CIO-SP3 and embattled CIO-SP4, as well as NASA's Solutions for Enterprise-Wide Procurement (SEWP) contracts. The General Services Administration on Thursday revealed a new generative AI tool designed to boost efficiency and help automate repetitive tasks. The platform, now available to GSA staff, comes amid anxiety that the Department of Government Efficiency might use artificial intelligence to surveil or replace federal workers, who are being laid off in large swaths across the government. The GSA chatbot can access a series of large language models, including technology from Anthropic and Meta. The system resembles other AI chatbots, and it's designed to respond to user prompts and help staff with basic tasks, like writing. Earlier this month, Wired first reported that the DOGE had deployed a chatbot called GSAi for 1,500 workers. According to Wired, the tool had been in development for several months, but DOGE accelerated the rollout of the platform and eventually wants to use it for data analysis of contracts and procurements. GSA said in a Thursday statement it is encouraging all of its staff to test the tool.
In this episode of The Refresh, Kait from Marketecture Media breaks down the biggest developments in advertising and media, from Scope3's AI-driven innovations to Meta's new fact-checking approach and the latest on TikTok's uncertain future. This week's highlights: Scope3's AI-powered announcements – A new Agentic Advertising Platform and brand standards designed to optimize media buying and reduce carbon emissions AI's impact on advertising jobs – How AI agents could replace traditional media roles Meta launches Community Notes – A new fact-checking system inspired by X, with an uncertain road ahead Publicis wins Coca-Cola's media business – Consolidating its dominance in performance media TikTok's April 5 deadline approaches – Oracle emerges as a frontrunner, but China's approval remains a major obstacle NBC's massive Olympics deal – A pivotal moment for media strategy and execution Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of ThimbleberryU, we dive into a detailed case study centered on Stan and Jan, a fictitious couple navigating the complexities of retirement planning with a focus on creating income, simplifying finances, and leaving a meaningful legacy. With $5 million in assets—$3 million in qualified accounts like IRAs - and 403(b)s and $2 million in taxable accounts—they are financially secure but face challenges in optimizing their retirement strategy.We begin by addressing their primary goal: replacing Stan's paycheck as he retires. Given their modest spending of $100,000 annually, the focus is on balancing stability, flexibility, and efficiency. Strategies include leveraging Stan's Social Security at age 70, drawing from qualified accounts to manage required minimum distributions (RMDs), and addressing the 10-year fixed distribution requirements from certain accounts. Consolidating multiple accounts into a single IRA for administrative simplicity is another point of emphasis.Once income is stable, we explore aligning their investments with their goals. A mix of bond ladders, dividend-paying stocks, and liquid investments ensures consistent income while managing risk. We emphasize a conservative-to-moderate approach for near-term needs, with some growth-focused investments to combat inflation and support their longer-term financial stability.Taxes play a significant role, and we discuss strategies like Roth conversions before Stan's RMDs begin, allowing funds to grow tax-free for future needs. Charitable giving through Qualified Charitable Distributions (QCDs) and donor-advised funds offer opportunities to support causes while reducing taxable income. For family, gifting up to $19,000 per year per recipient tax-free enables Stan and Jan to enjoy seeing their loved ones benefit from this money during their lifetime.Ultimately, this case study highlights that retirement planning is about more than just numbers—it's about aligning financial strategies with personal values and creating a fulfilling, stress-free retirement. Whether simplifying accounts, managing taxes, or crafting a legacy, thoughtful planning helps ensure a meaningful and secure future. Having "enough to retire" may only be the first piece of the puzzle. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.
Welcome back to the All Gas Trade Show with Gabe (@iGabe_FF) and Ty (@Tydeclare44)! This week, we're joined by Cody Smith (@CodySmithTFDR) to break down real dynasty trades from the DDFFB Community.
Welcome to The Private Equity Podcast, by Raw Selection, hosted by Alex Rawlings. In today's episode, Jordan Burton shares his expertise on hiring, training, and evaluating executives. They discuss common mistakes private equity firms make when hiring portfolio executives, how to improve interview techniques, and the critical role of structured assessment. Jordan also covers the importance of preparing for interviews, aligning stakeholders, and ensuring a thorough evaluation process.Breakdown: [00:00] Introduction to the episode and guest Jordan Burton. Overview of hiring and interviewing in private equity.[00:28] The importance of preparation before an interview. Defining the role clearly and aligning expectations among stakeholders.[01:26] The biggest hiring mistakes in private equity. Why many firms fail to achieve more than a 30% success rate in portfolio hiring.[02:52] Understanding your role in the hiring process. Avoiding generic questions and ensuring structured, targeted assessments.[04:20] How to create an effective scorecard. The value of assessing current leadership strengths and defining key success traits.[06:15] The impact of investor dynamics on hiring success. Recognizing patterns in successful executives and adapting selection criteria accordingly.[07:42] Why “been there, done that” is a flawed hiring approach. Focusing on upward trajectory and capability over past roles.[09:05] The importance of structured note-taking during interviews. Ensuring consistency in feedback and preventing redundant questioning.[11:00] How curiosity and active listening improve interviews. Creating a strong rapport to uncover valuable insights.[12:30] Balancing assessment with selling the opportunity. Tailoring your pitch based on the candidate's motivations and priorities.[14:54] What truly differentiates a PE firm in hiring. How to stand out beyond compensation and equity offers.[17:21] The role of portfolio executives in recruiting. Leveraging their experience to attract and evaluate top talent.[19:49] Why most private equity investors are never trained in interviewing. Steps firms can take to develop better hiring processes.[21:41] How to ask better interview questions. Moving beyond hypothetical questions to uncover real insights.[24:02] Identifying red flags in executive candidates. Evaluating openness, honesty, and past performance patterns.[27:25] The importance of conducting rigorous reference checks. Selecting the right references and verifying past performance.[30:20] Post-interview best practices. Consolidating feedback and structuring hiring decisions effectively.[35:50] The final hiring decision. Aligning stakeholders and ensuring a structured decision-making process.Thank you for tuning in!You can connect with Jordan Burton on LinkedIn by visiting his profile here. To get the newest Private Equity episodes, you can subscribe on iTunes or Spotify here.Lastly, if you have any feedback on the podcast or want to reach out to Alex with any questions, send an email to alex.rawlings@raw-selection.com
What separates the rich from the really rich? In this episode of The Journey, Morgan DeBaun sits down with entrepreneur, creator, and financial strategist Nicholas Crown to break down the key mindset shifts and financial strategies that set successful entrepreneurs and really rich individuals apart. In this episode: 00:00 Introduction and Guest Welcome 00:27 Nicholas Crown's Entrepreneurial Journey 03:23 The Reality of Entrepreneurship 04:54 Geographical Arbitrage and Cost Management 08:00 The Birth of Rich vs. Really Rich Series 16:39 Navigating Market Response and Iteration 21:59 The Dilemma of Social Media Authenticity 22:43 The Power of Visual Cues in Marketing 23:22 The Struggle with Social Media Validation 24:33 The Journey of Entrepreneurship 25:24 Challenges of Running an Agency 26:39 Introducing Revise: A Retirement Planning Firm 29:13 Understanding Annuities and Their Benefits 38:18 The Importance of Consolidating 401ks 39:35 Final Thoughts on Financial Management 44:29 Connecting with Nicholas Crown In the episode, Nicholas Crown, who is known for his viral Rich vs. Really Rich series, shares his path from Wall Street trader to digital entrepreneur, and the lessons learned along the way to financial independence. From scaling startups to exiting companies, he reflects on his journey of iteration, failure, and learning to define success beyond just making money. Throughout the conversation, Morgan and Nicholas discuss the realities of entrepreneurship, including why business success often takes longer than expected, how to recognize when it's time to pivot, and the common mistake of staying in a failing venture for too long. They also touch on the power of social media in business, with Nicholas revealing how he unintentionally built a massive audience through content experimentation. Nicholas also shares his insights on personal finance, explaining the mistakes many people make, especially when it comes to 401(k)s. He breaks down the steps individuals can take to regain control of their financial investments to prepare for retirement, and explains how his company, Revise, helps people grow their wealth safely through annuities and pension-like investment strategies. If you've ever wondered how to break free from the paycheck-to-paycheck cycle, scale a business successfully, or invest smarter for the long run, this is a must-listen! So grab your headphones and get ready to take notes! Like what you hear? Don't forget to leave a rating and review! Pre-order Rewrite Your Rules: https://worksmartprogram.com/book/ More from Nicholas: https://www.nicholascrown.com/ https://www.tiktok.com/@nicholas_crown https://www.instagram.com/nicholascrown/ https://www.youtube.com/@NicholasCrownYouTube https://getrevise.com/ Join the Newsletter for More Exclusive Content: https://worksmartprogram.ac-page.com/thejourneypodcast Make sure you are following Morgan's journey on TikTok: https://www.tiktok.com/@morgandebaun?_ Visit Mormatcha.com to make a purchase. Follow us on Instagram: https://instagram.com/thejourneybymdb Produced by MicMoguls.
Hosts: Leah Murray and Adam Gardiner President Trump is now expected to take control of the United States Postal Service. That would involve firing the Postal Service's governing board, but the board is planning to fight the pending executive order. It comes as the President takes control of other boards and government-related organizations like the Kennedy Center for the Performing Arts. Leah and Adam discuss the consolidation of power.
Chuck Joiner, David Ginsburg, Jeff Butts, Marty Jencius, Ben Roethig, Web Bixby, and Eric Bolden look at the new model of Beats earphones and what they have that AirPods don't (yet) and a surprise announcement that you can now combine your Apple accounts albeit with a number of requirements. Just for fun, the panel also considers a report that it is increasingly popular for some users to wear their Apple Watch on their ankle, and why one would want to. This edition of MacVoices is supported by The MacVoices Slack. Available all Patrons of MacVoices. Sign up at Patreon.com/macvoices. Show Notes: Chapters: 00:06 New Beats Headphones 2:10 Apple Account Migrations 15:31 Apple Watch on Your Ankle 27:21 Unique Uses for Tech 30:42 Final Thoughts on Tech Links: Beats Releases the Powerbeats Pro 2 with H2 Chip and Heart Rate Monitoring https://www.macstories.net/news/beats-releases-the-powerbeats-pro-2-with-h2-chip-and-heart-rate-monitoring/ Apple Now Lets You Move Digital Purchases From One Apple Account to Another https://www.macrumors.com/2025/02/11/apple-migrate-purchases-apple-account/ Why (and How) to Wear Your Apple Watch on Your Ankle https://lifehacker.com/health/why-and-how-to-wear-an-apple-watch-on-your-ankle?utm_medium=RSS Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Jeff Butts writes for XDA Develpers and groovyPost. Contact him on X as @clefmeister and on Instagram as @recoveringphoenix72. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Ben Roethig has been in the Apple Ecosystem since the System 7 Days. He is the a former Associate Editor with Geek Beat, Co-Founder of The Tech Hangout and Deconstruct and currently shares his thoughts on RoethigTech. Contact him on Twitter and Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
Chuck Joiner, David Ginsburg, Jeff Butts, Marty Jencius, Ben Roethig, Web Bixby, and Eric Bolden look at the new model of Beats earphones and what they have that AirPods don't (yet) and a surprise announcement that you can now combine your Apple accounts albeit with a number of requirements. Just for fun, the panel also considers a report that it is increasingly popular for some users to wear their Apple Watch on their ankle, and why one would want to. This edition of MacVoices is supported by The MacVoices Slack. Available all Patrons of MacVoices. Sign up at Patreon.com/macvoices. Show Notes: Chapters: 00:06 New Beats Headphones 2:10 Apple Account Migrations 15:31 Apple Watch on Your Ankle 27:21 Unique Uses for Tech 30:42 Final Thoughts on Tech Links: Beats Releases the Powerbeats Pro 2 with H2 Chip and Heart Rate Monitoring https://www.macstories.net/news/beats-releases-the-powerbeats-pro-2-with-h2-chip-and-heart-rate-monitoring/ Apple Now Lets You Move Digital Purchases From One Apple Account to Another https://www.macrumors.com/2025/02/11/apple-migrate-purchases-apple-account/ Why (and How) to Wear Your Apple Watch on Your Ankle https://lifehacker.com/health/why-and-how-to-wear-an-apple-watch-on-your-ankle?utm_medium=RSS Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Jeff Butts writes for XDA Develpers and groovyPost. Contact him on X as @clefmeister and on Instagram as @recoveringphoenix72. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Ben Roethig has been in the Apple Ecosystem since the System 7 Days. He is the a former Associate Editor with Geek Beat, Co-Founder of The Tech Hangout and Deconstruct and currently shares his thoughts on RoethigTech. Contact him on Twitter and Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
In this episode of the Nine Finger Chronicles podcast, host Dan Johnson engages with Brandon Ringwalski, discussing the rich culinary traditions of Wisconsin, the transition into fatherhood, and the evolution of hunting strategies over the years. Brandon shares his experiences from pre-kids hunting to military life, and how these experiences shaped his approach to hunting and family life. The conversation delves into the challenges of balancing hunting passions with family responsibilities, and the importance of relationships in navigating these changes. Brandon reflects on his hunting successes and the realistic expectations of deer hunting in Wisconsin, providing insights into the hunting culture and personal growth. In this conversation, Brandon Ringwolski shares his journey of adapting his hunting strategies and mindset after becoming a parent. He discusses the challenges of balancing family life with hunting, the importance of learning from past mistakes, and how he has found success by reevaluating his approach to scouting and hunting. Brandon emphasizes the value of using time efficiently and prioritizing family while still pursuing his passion for hunting. Takeaways: Wisconsin is known for its rich culinary traditions, especially fish fries. Transitioning to fatherhood brings significant changes to hunting habits. Military life can limit hunting opportunities but strengthens relationships. Post-military, there is a renewed focus on hunting and making up for lost time. Balancing family life and hunting requires communication and understanding. Hunting strategies evolve significantly after becoming a parent. The importance of independence in a relationship enhances mutual support. Success in hunting often comes with patience and realistic expectations. Wisconsin offers a variety of hunting opportunities, including quality deer. Personal growth is often reflected in the evolution of hunting practices. Brandon experienced a meltdown during his hunting journey. He initially repeated mistakes but learned from them over time. Hunting should be fun and not a source of stress. Reevaluating goals is crucial when life changes occur. Scouting in the offseason can lead to better hunting success. Consolidating hobbies can free up time for hunting. Success in hunting can come from reduced pressure on hunting spots. Finding success requires adapting to new life circumstances. Scouting days can be more valuable than hunting days. Family should always come first, even in hunting. Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of the Nine Finger Chronicles podcast, host Dan Johnson engages with Brandon Ringwalski, discussing the rich culinary traditions of Wisconsin, the transition into fatherhood, and the evolution of hunting strategies over the years. Brandon shares his experiences from pre-kids hunting to military life, and how these experiences shaped his approach to hunting and family life. The conversation delves into the challenges of balancing hunting passions with family responsibilities, and the importance of relationships in navigating these changes. Brandon reflects on his hunting successes and the realistic expectations of deer hunting in Wisconsin, providing insights into the hunting culture and personal growth. In this conversation, Brandon Ringwolski shares his journey of adapting his hunting strategies and mindset after becoming a parent. He discusses the challenges of balancing family life with hunting, the importance of learning from past mistakes, and how he has found success by reevaluating his approach to scouting and hunting. Brandon emphasizes the value of using time efficiently and prioritizing family while still pursuing his passion for hunting. Takeaways: Wisconsin is known for its rich culinary traditions, especially fish fries. Transitioning to fatherhood brings significant changes to hunting habits. Military life can limit hunting opportunities but strengthens relationships. Post-military, there is a renewed focus on hunting and making up for lost time. Balancing family life and hunting requires communication and understanding. Hunting strategies evolve significantly after becoming a parent. The importance of independence in a relationship enhances mutual support. Success in hunting often comes with patience and realistic expectations. Wisconsin offers a variety of hunting opportunities, including quality deer. Personal growth is often reflected in the evolution of hunting practices. Brandon experienced a meltdown during his hunting journey. He initially repeated mistakes but learned from them over time. Hunting should be fun and not a source of stress. Reevaluating goals is crucial when life changes occur. Scouting in the offseason can lead to better hunting success. Consolidating hobbies can free up time for hunting. Success in hunting can come from reduced pressure on hunting spots. Finding success requires adapting to new life circumstances. Scouting days can be more valuable than hunting days. Family should always come first, even in hunting. Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode: The FAQ is: A reader asks, I recently booked a trip, and the airfare included no carry-on bag. How can I manage to travel without a carry-on? Today's Destination: NAPLES, FLA Today's Mistake- I lost my horse. Travel Advice: MAKE SOMEONE ELSE'S DAY https://www.youtube.com/watch?v=LSsyNhQ79M0 Answer: Destination: Naples, FL https://www.visitflorida.com/places-to-go/southwest/naples/ Today's Mistake: I lost my horse. Today's Travel Advice: MAKE SOMEONE ELSE'S DAY Connect with Dr Travelbest Drmarytravelbest.com Dr. Mary Travelbest Twitter Dr. Mary Travelbest Facebook Page Dr. Mary Travelbest Facebook Group Dr. Mary Travelbest Instagram email: info@drmarytravelbest.com Dr. Mary Travelbest Podcast Dr. Travelbest on TikTok Dr.Travelbest onYouTube
#PANAMA: POTUS consolidating US defenses. Gregory Copley, Defense & Foreign Affairs 1900 Columbus, Ohio
We'd love to hear from you. What are your thoughts and questions?In this conversation, Michael Albaum shares his inspiring journey into real estate investing, detailing the pivotal moments that ignited his passion and the challenges he faced along the way. He discusses the common fears and misconceptions surrounding real estate, emphasizing the importance of education and mentorship in overcoming these barriers. Michael introduces his program, MyFi Academy, designed to help new investors navigate the complexities of real estate investing and achieve financial independence. He also reflects on his experiences with his first investment deal and the lessons learned from navigating challenges in the industry.Main Points:Michael's journey began with his first real estate deal over a decade ago.Many people have misconceptions about real estate investing due to past experiences.Education and understanding risks are crucial for successful investing.MyFi Academy aims to help new investors get started in real estate.Choosing a mentor with current experience is vital for success.Investing in real estate can be done with minimal capital.Consolidating investments in one market can lead to better results.Real estate investing requires a mindset shift to overcome fears.Challenges in real estate can be managed with the right knowledge and support.Building a network is essential for successful investing.Connect with Michael Albaum:https://www.myfiacademy.com/https://www.linkedin.com/in/michaelalbaum/https://www.instagram.com/myfimike/https://x.com/MichaelAlbaumhttps://www.youtube.com/@TheRemoteInvestor
Mike Wieger joins me this week as we talk about the latest in home technology, focusing on 3D printing and virtual reality (VR). We start with Mike’s transition from printing random objects to creating a board game inspired by his father’s inventions. He shares insights into their collaborative journey through prototyping and CAD design. We then delve into VR, with Mike discussing his newfound enthusiasm for technologies like the Oculus Quest 3, highlighting the immersive social experiences they offer. Additionally, we touch on Mike’s home lab upgrades and the complexities of setting up home generators for backup power. This episode
Mike Wieger joins me this week as we talk about the latest in home technology, focusing on 3D printing and virtual reality (VR). We start with Mike's transition from printing random objects to creating a board game inspired by his father's inventions. He shares insights into their collaborative journey through prototyping and CAD design. We then delve into VR, with Mike discussing his newfound enthusiasm for technologies like the Oculus Quest 3, highlighting the immersive social experiences they offer. Additionally, we touch on Mike's home lab upgrades and the complexities of setting up home generators for backup power. This episode
Join Sam Mollaei and Neil Tyra as they unveil proven strategies to help you scale your law firm faster than you ever thought possible.Whether you're struggling to attract clients, streamline your operations, or embrace cutting-edge tools, this episode is packed with actionable insights to transform your practice.You'll discover how to work smarter, not harder, and create a thriving, modern legal business that keeps you ahead of the competition.Key Takeaways from Sam and Neil:1. Go All-In on Paid Advertising: The Fastest Route to Client GrowthRunning ads on platforms like Facebook, Google, and TikTok quickly generates clients and outpaces competitors.Use proven ad creative formulas, target specific problems, and integrate CRMs for immediate lead follow-up and conversion.2. Hire Virtual Intakers to Sign Up Clients for YouVirtual intakers qualify and sign up leads with script-driven methods, reducing drop-offs and improving client relationships.Consolidating intake tasks into one role simplifies processes and boosts conversion rates by providing a single point of contact.3. Systematize Every Aspect of Your FirmSystematize repeatable tasks using CRMs, automation software, and AI-driven solutions.Break processes into smaller workflows to document, visualize, and optimize efficiency, enabling your team to focus on scaling.4. Get as Many Google Reviews as PossibleGoogle reviews build trust, enhance SEO, and increase conversions by showcasing client satisfaction.Automate review requests, repurpose reviews for marketing and respond to each one to highlight client-centricity.5. Embrace an Unlimited Budget for the Best ToolsInvest in cutting-edge tools, including the fastest laptop, to maximize productivity and gain a competitive edge.Even small performance improvements save time and help grow your practice efficiently. "Google reviews are worth a literal monetary amount—imagine each one being worth $1,000 to you; now, how much more seriously will you take them?" — Sam Mollaei"Buy the best, invest in tools, and then learn every damn thing you can about how that tool might be able to help you." — Neil Tyra
It's our last Tax Tuesday episode of 2024! In this episode, Anderson attorneys Amanda Wynalda, Esq., and Eliot Thomas, Esq., address several listener questions on a variety of tax topics. They cover the tax implications of moving into a rental property, including how it affects capital gains and depreciation. They discuss the possibility of using an LLC as a management company for rental properties, allowing for contributions to a personal IRA. Eliot and Amanda also explain how negative cash flow from rentals can affect deductions and tax filings, the importance of staying organized with rental property expenses, and the consequences of transferring ownership in a 1031 exchange. Other topics include options for offsetting passive income with retirement accounts, consolidating LLCs under a Wyoming holding company, deductions for 529 plans, and the stepped-up basis for gifted stocks. Tune in for expert advice on these and more! Submit your tax question to taxtuesday@andersonadvisors.com Highlights/Topics: What are the tax implications of moving into one of our rentals? Bought the property 13 years ago, have never lived in it, taken expenses and depreciation on the returns or should we just rent it from ourselves through our property manager? - Just moving in, no real tax consequence. Once you move in you're not paying capital gains. The 13 years will be considered ‘non-conforming use'. Don't rent it to yourself. I own three rental properties. Can I use that LLC as a management company? Take a 10 to 15% management fee and use that money as an earned income to allow contribution to my personal IRA. Would that contribution be deducted from my rental income as cost to the rentals and Schedule E? When is the deadline for the contribution. My LLC has some expenses too. If my net income is only $3,000, can I still contribute $7,000 to my personal IRA and deduct that amount? - You're running passive rental income through a mgmt company to make it ‘active' income, yes you can do this. You need a management agreement that you actually pay before December 31st. Can I use negative cash flow as a deduction towards income /capable gains? I'm in California and nothing cash flows for at least a few years. If I'm negative $1,000 or more cash flow, is this a deduction against passive income or capital gains? - Capital gains come in when you sell the property. You can pull passive losses from other properties you own. What expenses are incurred for rental properties or tax deductible and what is the best way to stay organized when keeping records of bills and expensive for rental properties to make it easier at tax time? - Google IRS Schedule E page 1. There is a list there to refer to. Good bookkeeping is essential. Can I transfer the ownership of a property owned by an LLC tax as a partnership that I purchased as a replacement property in a 1031 exchange or will that trigger a taxable event? - Yes you can transfer, but it will trigger a taxable event. My wife receives income from multiple sources, real estate rental, consulting, etc. We plan to set up a C Corp to consolidate the passive income and offset some of that income with retirement contributions into a solo 401 (k). Unfortunately, we did not set up the C Corp in time for the tax year 2024. What options do we have with respect to retirement accounts to offset her passive income for 2024. What can we still do? - Consulting is not usually passive income. Can multiple individual LLCs mix of small business and rentals be consolidated into one tax return under a Wyoming holding company? If so, is that a recommended practice? Adding in a small business? - For rentals this is a standard protection structure, one property per LLC. You can add the active, but we would not recommend it. How much can we deduct with a 529 plan for our kids?- Some states may give you a deduction, but at the federal level there is no deduction. If I gift my stock to my aging dad and become the beneficiary the stock when he passes will I get the stepped-up basis after I inherit them? - This is fantastic. Yes, you can do this. This is great, but they have to live for at least one year after the gift, and you have to make sure he's actually going to leave it to you upon his death! Resources: Schedule Your Free Consultation https://andersonadvisors.com/strategy-session/?utm_source=consolidating-llcs-under-a-wyoming-holding-company&utm_medium=podcast Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=consolidating-llcs-under-a-wyoming-holding-company&utm_medium=podcast Bookkeeping Packages from Anderson Advisors https://bookkeeping.andersonadvisors.com/ Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq
In this episode of the Global Medical Device Podcast, Etienne Nichols sits down with Leo Eisner, founder of Eisner Safety Consultants and a leading voice in IEC 60601 standards development. They unpack the upcoming revisions to the fourth edition of IEC 60601, focusing on the rationale behind these changes, their impact on medical device design, and how MedTech professionals can prepare for the future. Leo provides insights into the intricate process of updating global standards, shares practical advice for compliance, and discusses the role of risk management in ensuring safer, more effective medical devices.Key Timestamps[02:30] – Introducing Leo Eisner and his expertise in IEC 60601 and global standards.[06:45] – The complexities of updating IEC 60601 and its 12 working groups.[12:20] – Expected timeline for the fourth edition (2029-2030) and why companies need to plan now.[18:50] – Overview of the most significant upcoming changes, including wireless coexistence and integration of collateral standards.[27:00] – Practical advice for navigating new standards during product development.[36:15] – How to engage in the standards development process and submit comments.[48:30] – Benefits of proactive planning and test preparation for regulatory success.[53:45] – The importance of staying informed and embracing continuous learning in MedTech.Top Quotes from the Episode"The biggest mistake you can make is waiting too long to plan for changes. Compliance is about foresight." – Leo Eisner"IEC 60601 is often thought of as just an electrical standard, but it's so much more—it's about mitigating risks across all aspects of a device." – Leo Eisner"Standards aren't just rules; they're lessons learned from history, guiding us to safer, better devices." – Etienne NicholsKey TakeawaysLatest Trends in MedTech StandardsThe modular approach in the new IEC 60601 simplifies updates and aligns better with global regulations.Wireless coexistence and other cutting-edge technologies will soon become international requirements.Consolidating collateral standards improves consistency and reduces redundancies.Practical Tips for ComplianceBegin designing for new standards early, even before they are finalized.Stay informed by engaging with industry groups and standards organizations.Use test planning to streamline development and meet regulatory expectations efficiently.Questions to Ponder for the FutureHow will integrating advanced hazard mitigation strategies impact device innovation?What role will emerging technologies like AI and IoT play in future standards revisions?How can smaller MedTech companies effectively adapt to these significant changes?MedTech 101: Understanding IEC 60601For new listeners, IEC 60601 is a global standard that ensures the safety and effectiveness of medical electrical equipment. It encompasses requirements for design, labeling, testing, and risk management. With updates spanning usability, wireless technologies, and biocompatibility, it's essential for any MedTech company working with electrical devices.References and ResourcesGreenlight Guru – The QMS software designed exclusively for MedTech: Learn moreConnect with Leo Eisner – Founder of Eisner Safety Consultants and leading expert on IEC 60601:
I was just realizing on the trip to Vṛndāvana, I just felt enveloped by the words I've heard from the purports. You can't not get affected—it's like radiation. You may think, you know, that was nothing, and then next thing you know, you're totally radiated. And I think that it takes a little time: vidyāṁ cāvidyāṁ ca yas tad vedobhayaḿ saha avidyayā mṛtyuṁ tīrtvā vidyayāmṛtam aśnute (Iso-9) Only one who can cultivate nescience and transcendental knowledge side by side can transcend the influence of repeated birth and death and enjoy the full blessings of immortality. So, there's a way in which everything goes in. That's my realization. I don't have to chase it as hard as I think I do because it's up to Krishna. My job is to hear it as faithfully as possible śuśrūṣoḥ śraddadhānasya , be eager to hear it, be open to hear it, don't run away from it, don't try to control it too much. Let it be there, and then Krishna knows exactly how all the places fit into my consciousness—like, this goes here, that goes there. It's automatic. And when I go out into the world and I start doing whatever I'm doing again, I find that there's nothing lost. It all went in somewhere and it all gets integrated into my life. That's my current realization of the consolidation of the experience of hearing. (excerpt from the answer) Full Video: https://youtu.be/dFTW8ykHZKI?feature=shared To connect with His Grace Vaiśeṣika Dāsa, please visit https://www.fanthespark.com/next-steps/ask-vaisesika-dasa/ ------------------------------------------------------------ Add to your wisdom literature collection: https://www.bbtacademic.com/books/ (USA only) https://thefourquestionsbook.com/ ------------------------------------------------------------ Join us live on Facebook: https://www.facebook.com/FanTheSpark/ Podcasts: https://podcasts.apple.com/us/podcast/sound-bhakti/id1132423868 For the latest videos, subscribe https://www.youtube.com/@FanTheSpark For the latest in SoundCloud: https://soundcloud.com/fan-the-spark ------------------------------------------------------------ #vaisesikaprabhu #vaisesikadasa #vaisesikaprabhulectures #spirituality #bhaktiyoga #krishna #spiritualpurposeoflife #krishnaspirituality #spiritualusachannel #whybhaktiisimportant #whyspiritualityisimportant #vaisesika #spiritualconnection #thepowerofspiritualstudy #selfrealization #spirituallectures #spiritualstudy #spiritualexperience #spiritualpurposeoflife #spiritualquestions #spiritualquestionsanswered #trendingspiritualtopics #fanthespark
Darin Ward With a background in telecom technology and extensive experience in managing PBX systems, Darin Ward brings expertise in navigating the challenges of the industry. From discussing security awareness to highlighting the potential benefits of telecom advancements, Darin offers valuable insights into optimizing operations and leveraging modern solutions for improved efficiency. Optimizing Your Legacy...
Stu Burguiere asks and answers the question on everyone's minds: Why the heck is Joe Biden still running for president in 2024? Then, Blaze Media producer and "Stu Does America Power Hour" survivor Josh Jennings joins with his thoughts on the imminent collapse of the Democrat Party. And comedian Jamie Kilstein joins to talk about how he and his wife are learning to find happiness born from trauma. TODAY'S SPONSORS LADDER LIFE INSURANCE Find out if you're instantly approved at http://www.LadderLife.com/STU GENUCEL Order Genucel's Best Seller Package and get a free spa box with TWO luxury skincare essentials at http://www.Genucel.com/STU JASE EMERGENCY PREPAREDNESS ANTIBIOTICS Go to http://www.Jase.com today and enter code “STU” at checkout for a discount on your order CONSTITUTION WEALTH MANAGEMENT If you have 250k or more of stock and bond investments and would like to reduce your exposure to woke companies, go to http://www.ConstitutionWealth.com/STU Learn more about your ad choices. Visit megaphone.fm/adchoices
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