Podcasts about crd

In this episode, Julina Ogilvie sits down with Kyle Farrell, Senior Investment Specialist at Principle Wealth, to break down the often-overlooked topic of taxes and investing. From capital gains to tax-efficient strategies, Kyle shares practical insights to help you grow your wealth while keeping more of it.Show Highlights:Taxes are an important consideration in investing (1:21)Most common mistakes with taxes in investing (2:27)Tax efficient strategies (4:54)Tax advantage vs taxable (8:40)Capital gains (10:40)Tax loss harvesting (13:12)Benefits of tax advantaged accounts (16:27)Municipals vs corporate bonds (18:31)Estate considerations (20:15)Upcoming tax policies to pay attention to (27:36)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

In our EMEA regulatory insights series colleagues from our EMEA offices provide an update on some of the key regulatory issues they are seeing in their local market. In this latest episode Maria Beatrice Gilesi from our Milan office discusses recent communications from the Italian regulators regarding MiCA, DORA, CRD 6 and AI.

Annuities can sound like the perfect solution for retirement income—but are they really? In this episode of Women on Wealth, Julina Ogilvie sits down with Glenn Zavorskas from Principle Wealth, to break down the truth behind the promises.We dive into: ✅ What annuities really are and how they work ✅ Common misconceptions and hidden pitfalls ✅ Who annuities are right for—and who should think twice ✅ Key questions to ask before buying one ✅ How annuities can (or can't) fit into your retirement planConnect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

In preparation for the start of the summer movie season, Tim is joined by Brian and Caleb, who are all a little surprised to find that they're finally looking forward to some of the wide releases of 2025, after a wobbly first third of the calendar year. But before we get to the wild and thrilling spectacle of popcorn movie season, it's one of the most sober-minded movie roundtables we've ever held, as Caleb finally catches up with legendary grim war movie Come and See, while Brian learns all about the savage sexism of the indie film industry thanks to Chasing Chasing Amy. Tim, meanwhile has a pair of Patreon requests to talk about that are almost as fun: Freya Neeley has assigned him the paranoid anti-communist ravings of the vicious-hearted If Footmen Tire You, What Will Horses Do?, while CRD has given him the gaudy nightmare spectacle of Nazism consuming German culture in Luchino Visconti's The Damned. And stick around for Caleb's update on his game Let Us Build a Tower. Tim apologizes for the odd fade-outs in the audio - something buggy happened with the recording, and he's trying to figure out how to make sure it doesn't happen again next time.

In this episode, “Wonder Over Worry: Tariffs and Volatility in 2025,” we're diving into a timely and important conversation about what's driving the recent market pullback. From rising tariffs to renewed volatility, investors are facing a lot of headlines—and even more uncertainty.Joining me is Bob Paolucci, the Founder and CEO of Principle Wealth, to help us unpack what's really going on. We'll explore why volatility is a normal part of investing, how global trade tensions may be shaping the current environment, and where we believe the economy stands today.Show Highlights:Tariffs: A negotiating tactic (5:07)Stock Market Pullback (12:01)Bonds Are Behaving (20:26)Volatility Is Normal (22:43)Best Days Happen During Volatile Times (25:16)Was It Tariffs or Deepseek? Or Both? (28:01)Back to Tariffs (30:56)Economic Date: What Matters Most (35:39)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

En el episodio 97 del podcast de Entre Dev y Ops hablaremos de Crossplane con Pere Alcoberro. Blog Entre Dev y Ops - https://www.entredevyops.es Telegram Entre Dev y Ops - https://t.me/entredevyops Twitter Entre Dev y Ops - https://twitter.com/entredevyops LinkedIn Entre Dev y Ops - https://www.linkedin.com/company/entredevyops/ Patreon Entre Dev y Ops - https://www.patreon.com/edyo Amazon Entre Dev y Ops - https://amzn.to/2HrlmRw Enlaces comentados: Crossplane - https://www.crossplane.io/ kubernetes CRD - https://kubernetes.io/docs/concepts/extend-kubernetes/api-extension/custom-resources/ Crossplane Composition - https://docs.crossplane.io/latest/concepts/compositions/ Atlantis - https://www.runatlantis.io/ Self Service Portal - https://www.techtarget.com/searchitoperations/tip/How-to-create-a-DevOps-self-service-portal Pere Alcoberro - https://www.linkedin.com/in/pere-alcoberro-b0439026 Infrastructure deployments with ArgoCD HA and Crossplane - https://www.youtube.com/watch?v=BxO4cW8OGRY

Buying a home or investing in real estate comes with legal complexities that many buyers overlook. In this episode of Women on Wealth, I sit down with Corinne Abbott, an attorney at Grassette & Associates, to break down key legal aspects of real estate transactions.We discuss common misconceptions, first-time buyer mistakes, and how RESPA has shaped transactions. Corinne also explains title options in Connecticut, staying compliant with real estate laws, and the essential questions to ask a real estate attorney. Plus, we dive into the role attorneys play in preventing legal issues, key considerations for women in real estate, and expert investment advice.Show Highlights:Misconceptions homebuyers have about the real estate purchasing process (4:20)Common mistakes from first-time homebuyers (9:21)How the Real Estate Settlement Procedures Act (RESPA) impacted transactions (13:14)How people can hold title in Connecticut (16:41)How to ensure you're compliant with current real estate laws (18:49)Questions to ask real estate attorneys (20:52)The role a real estate attorney plays in preventing legal issues (23:36)Considerations for women (28:41)Advice for investing in today's real estate market (29:51)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Simon Dyakowski, President and CEO of Aztec Minerals (TSX.V:AZT - OTCQB:AZZTF) joins me to discuss the company's latest news - large carbonate replacement deposit (CRD) targets at the Tombstone Project in Arizona.   These high-priority targets were developed using past drilling and geophysical surveys, with strong evidence of mineralization at depth. Two previously drilled holes, TR24-13 and TR24-16, will be extended to test these targets, which shares geological similarities with Arizona Mining's Taylor Hermosa discovery and the historic Bisbee porphyry system.   Simon outlines Aztec's next steps, including plans for deep drilling, potential expansion into additional targets, and how the company is balancing near-surface and deeper CRD exploration. With a quick permitting process and further funding considerations, Aztec is preparing to test these targets later this year.   Please email me any questions you have for Simon. My email address is Fleck@kereport.com.    Click here to visit the Aztec Minerals website.

 In this episode of Women on Wealth, host Julina Ogilvie welcomes Michelle Fuller, a Certified Exit Planning Advisor, to discuss the key strategies business owners need to build, scale, and secure their financial future. They explore how to align personal, business, and financial goals, the importance of value growth advisors, and why smart planning isn't just about exiting—it's about maximizing long-term success. Whether you're looking to grow your business, increase its value, or plan for the future, this episode is packed with actionable insights to help you take control of your financial journey. Show Highlights:Advanced planning for business owners (3:55)The role of a value growth advisor (7:55)Business valuation and owner perception (14:13)The Value Acceleration Methodology (19:40)Finding the right advisors (30:23)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Simon Dyakowski, President and CEO of Aztec Minerals (TSX.V:AZT - OTCQB:AZZTF) joins me to recap the 2024 drill program at the Tombstone Project in Southern Arizona. Encompassing 3,000 meters, Simon shares insights into new discoveries and expanded areas, particularly highlighting the high-grade silver hit in the Southern Extension zone.    He discusses the implications of Hole 16, which interested 1.5 meters of 44.7 g/t gold and nearly 3,700 g/t silver, the highest grade silver intercept to date on the project. Additionally, Simon outlines findings in the Westside Area and the continued potential of the Contention Main Zone.    He explains future drilling priorities, prospective mineralized dikes, CRD targeting, and the strategic focus for both gold and silver-rich zones.   Please email me any questions you have for Simon. My email address is Fleck@kereport.com.    Click here to visit the Aztec Minerals website.

  Andy Bowering, Chairman and interim-CEO at Apollo Silver (TSX.V:APGO - OTCQB:APGOF - FSE:6ZF0) joins us to introduce the Company, focused on the two asset, the Calico Project, in California and the Cinco de Mayo Project in Mexico.    At the Calico Silver Project, Andy walks us through its acquisition, historical resource, geological setting, and possible economic studies planned for this year. He highlights the significant silver and barite resources at Calico and the potential for gold discoveries. Additionally, Andy addresses concerns related to mining in California, emphasizing the project's mining-friendly location and existing infrastructure.    The discussion then shifts to the Cinco de Mayo project, a high-grade, historic carbonate replacement deposit (CRD) system. Andy dives deep into the complex history of the project, including previous ownership, substantial past drilling efforts, and the social challenges faced. However, Andy reveals recent positive developments: a new pro-development executive in the community and ongoing efforts to secure a social license. He explains Apollo's strategy to engage with the local community, develop partnerships, and navigate social challenges to unlock the project's full potential.   Click here to visit the Apollo Silver website.

Join Julina Ogilvie and Bob Paolucci, Founder & CEO of Principle Wealth for an in-depth look at the market outlook for 2025. In this two-part series, we kick off the year by reflecting on the market trends and key events that shaped 2024. We also uncover the most pressing themes and opportunities that investors should prioritize in 2025. Whether you're an experienced investor or just starting to build your financial confidence, this episode will equip you with valuable insights to navigate the markets with clarity and purpose. Show Highlights: Stocks: Earnings, opportunities, and what to expect during the year (1:06)Bonds: Opportunities in high-yield bonds, convertibles, and municipals (18:14)Economy & Policy 1:12:18 (23:40)Everything Else: Real estate, China, crypto, AI, GLP-1, X-Factor 1:22:14 (33:35)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Send us a textToday Vanessa & Heather interview Jeff Gibson the Founder of the Light Environment Organization & co-founder of CRD Challenge & QntmlyJeff improved his light environment in 2023, & now feels happier and healthier in his 40s than since he was a teenager. His mission in life now is to convince as many people as possible to pay attention to their light environment, because there's nothing more important or impactful to health than this.After he improved his light environment, Jeff recieved a download with the idea for the CRD challenge. He felt so strongly about this idea that he pitched it to anyone involved with spreading the knowledge about tending to our light life! Eventually he found just the right people to bring this incredible gift of the CRD challenge to life. Learn more about Jeff atLight Environment OrganizationJoin the CRD challenge https://thecrdchallenge.com/Support the showFind Heather:https://www.instagram.com/heathercrimson/www.enlightenedmood.comDiscount codes:Viva Rays ➡️ Code: enlightenedmood.com for 10% offMidwest Red Light Therapy ➡️ Code: enlightenedmood for 10% offEMR-TEK ➡️ Code: HEATHER37030 for 20% offFind Vanessa:https://instagram.com/bright_light_wellness/vanessabaldwin/https://www.instagram.com/healingfamilieswithhomeopathy/Website: https://brightlightwellnesscoach.com/Discount codes:https://midwestredlighttherapy.com/ ➡️ Code: Brightlightwellnesshttps://vivarays.com/ ➡️ Code: BrightlightwellnessFree Product Guide http://gem.godaddy.com/signups/3cdbe47a101a4d2d9b991e9b5c9a981e/join Free Homeopathy Guide ...

Simon Dyakowski, President and CEO of Aztec Minerals (TSX.V:AZT - OTCQB:AZZTF) joins me to recap the drill results from the Southern Extension and Westside Target on the Tombstone Project, in Arizona.    We focus on the bonanza grade silver drill result highlighted by Hole 16 which reported 7,269 g/t silver equivalent over 1.52 meters within a broader zone of 569 g/t silver equivalent over 25.8 meters. Simon reveals that this is the best drill hole ever at Tombstone and discusses its significance, including the high-grade gold samples found and the potential for further high-grade discoveries.    The conversation covers plans for future work in the area, which includes expanding on the bulk tonnage and targeting a deeper CRD target. We wrap up with a big-picture look at the project's next phases and expected news updates.   Figure 1: Detail Contention Pit and South Extension   Cross Section - Hole TR24-16

Trace Cyrus made an appeal to Billy Ray Cyrus on Instagram. The kids are loving tinned fish. Carrie Underwood betrayed the gays. On The Afters: Coachella is dying, Robert Pattinson's color analysis, pretending to be your ex-boyfriend's long lost child, and access to our discord server. LINKS Tinned Fish For tinned fish obsessives, ‘affordable luxury' comes in a can The Inauguration  Deadmau5 calls out fellow DJ for Trump inauguration AOC V ADL Carrie Underwood feels she didn't have ‘the same respect' as Beyoncé during inauguration performance Carrie Underwood's streaming numbers plummet Gooner Conspiracy  https://www.tiktok.com/t/ZP8FT8TLY/ Cyrus Family Drama Open letter from Trace to Billy Ray Trace Cyrus gentle parents his dad More from Trace Cyrus Follow us on TikTok, Instagram and Twitter Find more of Molly's stuff Find more of Tiffany's stuff

Join Julina Ogilvie and Bob Paolucci, Founder & CEO of Principle Wealth for an in-depth look at the market outlook for 2025. In this two-part series, we kick off the year by reflecting on the market trends and key events that shaped 2024. We also uncover the most pressing themes and opportunities that investors should prioritize in 2025. Whether you're an experienced investor or just starting to build your financial confidence, this episode will equip you with valuable insights to navigate the markets with clarity and purpose. Show Highlights: 2024 Stock Market (8:32)Diversified Index Returns (10:12)2024 Asset Class Returns (12:40)2024 In Review- Key Economic Data (16:42)Correction Free- The Twin of 2023 (20:01)Abundance of Cash (22:12)          2025 What Matters Most in the Years Ahead? (24:11)The Boss: 10-Year Treasury Yield (30:05)Monetary Policy: The Fed's Dual Mandate (34:23)Fiscal Policy: Out of Balance (35:41)Trade: Tariffs On US Imports (36:40)Regulation: Cut the Tape (40:04)Employment: Less employment=lower rates (42:30)Earnings and Buybacks (46:13)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

 In this episode of Women on Wealth, Julina Ogilvie interviews Anne McGuire, founder of Healthcare Pathfinder, about how adult children can navigate crucial conversations with their aging parents. They discuss strategies for addressing sensitive topics like health care, long-term care planning, and financial decisions with empathy and confidence. Gain actionable insights to prepare for the future and support your parents through life's transitions. Show Highlights:Effective ways to start a conversation with aging parents (7:08)The most critical health and financial issues to address (10:31)How adult children can approach these conversations (13:59)The importance of these conversations before a crisis (17:11)When families should seek guidance (24:28)Advice for adult children looking for balance (28:34)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Discover the key to maximizing your financial future as Julina Ogilvie interviews Maria Quinn, Senior Advice Strategist at Vanguard. From behavioral coaching and tax-efficient strategies to building trust and optimizing portfolios, this episode reveals how financial advisors can deliver a 3% "Advisor Alpha" and guide clients through every phase of life.Show Highlights:Vanguard and their role (2:11)Advisor Alpha, starts with 3% (4:36)The importance of behavioral coaching (9:52)Optimal portfolio construction and asset allocation (14:41)Common fees investors overlook (20:12)How advisors can create tax efficiency in a portfolio (24:58)Spending strategies (30:19)The role that trust plays (35:01)How advisors can continue to offer advice at each phase of a client (38:57)The power of 3% from an advisor (44:27)The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Welcome to this OncoAlert Session Round Up during ASH24, focusing on Multiple Myeloma pharmacologic therapies.GMMG-HD7 Trial (JCO Publication)This phase 3 trial evaluated adding isatuximab (Isa) to the standard RVd (lenalidomide, bortezomib, dexamethasone) regimen in transplant-eligible patients with newly diagnosed multiple myeloma. Part 1 randomized 662 patients to Isa-RVd or RVd, followed by autologous stem cell transplantation and a second randomization to lenalidomide or Isa-lenalidomide maintenance. Isa-RVd showed higher minimal residual disease (MRD) negativity rates post-transplant (66% vs 48%) and improved progression-free survival (PFS) with a hazard ratio of 0.70 (P = .0184). Isa-RVd plus lenalidomide maintenance further improved PFS (P = .016), underscoring Isa's role in prolonging MRD negativity and PFS.IMROZ Trial (Phase 3)This trial analyzed Isa-VRd (isatuximab, bortezomib, lenalidomide, dexamethasone) versus VRd in transplant-ineligible patients with newly diagnosed multiple myeloma. Isa-VRd led to significant improvements in PFS and deeper, sustained MRD negativity, with 68.6% achieving MRD negativity by month 36 compared to 50.8% in the VRd group. Isa-VRd also resulted in lower MRD loss rates during maintenance and improved conversion from MRD positivity to negativity, leading to longer PFS. These findings highlight Isa-VRd's potential for faster, durable responses and support its use to improve long-term outcomes in these patients.UK MRA Myeloma XI+ TrialThe phase 3 UKMRA/NCRI Myeloma XI+ trial compared KRdc (carfilzomib, lenalidomide, dexamethasone, cyclophosphamide) to sequential triplet therapies (CRd, CTd) in newly diagnosed multiple myeloma patients. After a median follow-up of 102 months, KRdc improved PFS (56 vs 37 months, hazard ratio 0.69, P < 0.001) across cytogenetic risk groups, with higher MRD negativity rates. Early MRD negativity correlated with better PFS. While overall survival was similar in contemporaneously randomized patients (76% vs 71% at 60 months), non-contemporaneous controls showed an overall survival benefit with KRdc (76% vs 68%, hazard ratio 0.80, P = 0.011). These results emphasize the depth of responses with KRdc, particularly for high-risk patients, and the importance of early MRD negativity for improved PFS and survival.DREAMM-7 Trial (Phase 3)This trial compared belantamab mafodotin (BVd) versus daratumumab (DVd), both combined with bortezomib and dexamethasone, in relapsed/refractory multiple myeloma. BVd demonstrated a significant PFS benefit (36.6 vs 13.4 months, hazard ratio 0.41, P < 0.00001), with higher complete response and MRD negativity rates (25% vs 10%). BVd also showed a longer response duration (35.6 vs 17.8 months) and early trends favoring overall survival (84% vs 73% at 18 months). Median overall survival was not reached, but projections estimate 84 months for BVd versus 51 months for DVd. BVd's safety profile included manageable ocular events, positioning it as a promising option for relapsed/refractory multiple myeloma after first relapse.AQUILA Trial (NEJM Publication)This phase 3 trial evaluated subcutaneous daratumumab as monotherapy versus active monitoring in high-risk smoldering multiple myeloma. Among 390 patients, daratumumab reduced the risk of progression or death by 51% compared to monitoring (hazard ratio 0.49, P < 0.001) after a median follow-up of 65.2 months. At five years, PFS was 63.1% in the daratumumab group versus 40.8% in the monitoring group. Overall survival was higher with daratumumab (93.0% vs 86.9%). Daratumumab was well-tolerated, with hypertension being the most common grade 3 or 4 adverse event (5.7%), and no new safety concerns emerged. Daratumumab significantly delayed progression to active multiple myeloma and improved survival in high-risk patients.Disclosure: Supported by Sanofi.

 In this episode of Women on Wealth, Julina Ogilvie talks with Brian Cimbak, a funeral pre-planning specialist, about End-of-life Planning for Peace of Mind. They discuss the importance of pre-planning, the ideal timing, overcoming common fears, and financial considerations. Tune in for practical advice on managing this essential part of financial and life planning. Show Highlights:The role of a funeral pre-planning specialist (3:28)Why discuss pre-planning (6:45)How early you should plan (10:34)Common fear on end-of-life planning (11:28)Key financial considerations (13:59)Lock in rates when you pre-plan (19:11)The role of life insurance (21:29)How to have conversations with family (30:09)Government programs and VA options (33:29)The reason it's set up third party (36:40)The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

In this episode of Everyday HR, we dive deep into the Equal Employment Opportunity Commission (EEOC) and Civil Rights Department (CRD) and its critical role in shaping workplace fairness. Join us as we explore the laws it enforces, including California's stricter CRD regulations. With real-world examples, key statistics, and actionable steps for handling claims, this episode equips HR professionals and business owners with the tools to navigate compliance and foster an equitable workplace. Whether you're new to HR or a seasoned leader, this discussion offers insights to protect your business and support your employees. Host Contact information:   Roshni Patel, HR Consultant/President of Thrive HR Consulting  roshni@thrivehrc.com (661) 360-6886  Dan Klingenberger, Esq. Employment Law Attorney, Partner at LeBeau Thelen, LLP dklingenberger@lebeauthelen.com (661) 325-8962  Troy Burden, Employee Benefits Sales and Compliance Advisor, Partner at The Robert Lynn Company troy@lynncompany.com (661) 301-1247   Disclaimer: The purpose of this podcast is to provide news and information on human resources matters affecting employers. All content presented is for informational purposes only and should not be considered legal advice. Some of the information on the podcast relates to legal topics. The transmission of information on this podcast is not intended to establish, and receipt of such information does not establish or constitute, an attorney-client relationship or a consultant-client relationship. Anyone who receives information from the podcast should not act on the information without first consulting legal counsel or other expert on the specific topic. Human resources law and guidance changes on a regular basis. The information presented on the podcast may not reflect the most current legal developments. The opinions expressed at or through the podcast are the opinions of the individual speaker and may not reflect the opinions of all presenters. Likewise, the information presented is not intended to reflect the opinion of the presenter's employer or firm.

 In this episode Julina Ogilvie interviews Adam Kol, a Couples Financial Coach, on the topic of financial intimacy. They explore why money conversations are challenging for couples and the significant benefits of overcoming these barriers. Adam highlights common mistakes couples make, the influence of personal money stories, and what financial behaviors we pass on to our children. He also shares four essential elements every couple should address, examples of unhealthy financial discussions, and a process to help couples prioritize their financial situation. Show Highlights:Why money conversations are so difficult for couples and the benefits to overcome them (3:22)Most common mistakes made (9:06)Your money story (15:11)What is passed to our children (19:41)Four essentials that every chouple should address (24:20)Examples of unhealthy financial discussions (26:54)Process to identify how to prioritize your financial situation (33:17)The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

In this episode of Women on Wealth, business coach, speaker, and author Monica Leggett shares actionable strategies to help you move from feeling stuck to decisive in your financial life. We explore setting boundaries, overcoming fear, the importance of S.M.A.R.T. goals, and when it's time to seek coaching. Show Highlights:Why people feel stuck and how it applies to finances (2:04)An actionable step when one feels stuck (8:05)How to create boundaries to move forward (14:20)How to create actionable steps to get past fear (20:57)S.M.A.R.T. goals and how it pertains to finances (27:00)Why awareness is key (33:57)The need to say no (36:42)When someone is ready for coaching (38:51)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comConnect with Monica Leggett:https://www.monicaleggett.com/The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Join host Julina Ogilvie as she interviews Dr. Christine Cocchiola and Amy Polacko, authors of Framed: Women in the Family Court Underworld. They discuss the inspiration behind their book, exploring the struggles women face in the family court system, the impact of Jennifer's Law, and the lack of court training. The conversation covers financial burdens, finding the right attorney, and the stigma around domestic abuse. A must-listen for anyone looking to understand the challenges women face in their pursuit of justice.  Show Highlights:The impetus to the book, Framed (2:54)What is Jennifers' Law? (4:24)Who the book is for and stories from some of the women (5:46)The lack of training in the family court system (13:13)The stigma of supporting domestic abuse (18:33)Evaluation of states (20:54)How to find the right attorney (22:01)The financial impact (23:31)Connect with Julina Ogilvie:WebsiteYouTubeLinkedInEmail- jogilvie@principlewealthpartners.comTo Learn More About FramedPerfect Prey PodcastThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

In this episode, Devin Ekberg from PIMCO joins me to dive into Key Concepts for Retirement Planning. We'll tackle four crucial topics: longevity risk and how it impacts your retirement plans, Social Security options, managing healthcare expenses in retirement, estate and charitable giving, and strategies for managing income in retirementWhether you're nearing retirement or simply planning ahead, this episode is packed with essential advice for securing your future!Show Highlights:Longevity risk and retirement planning (2:41)Social security options (11:19)Managing health care expenses (20:13)Estate and charitable giving (27:55)Managing income in retirement (39:05)Common misconceptions and how individuals can personalize their retirement plan (49:13)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvieThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Daniel White is the founder of Sleep Better Live Better, a company dedicated to creating innovative sleep solutions for ultimate human potential that results from being well-rested. The CRD (Circadian Rhythm Disruption) Challenge, also launched by Daniel, is a free, 21-day educational experience that will offer learners the opportunity to end this endemic of circadian disruption and realign with nature's natural patterns. In this week's episode we discussed the different wavelengths of the sun and their benefits, how to protect children from screen addictions, and how to maximize a healthy indoor lighting environment.  WHAT WE DISCUSSED:  [6:45]- What led Daniel to pursue research on the effects of technology, especially on youth.  [20:22]- What is the role of parents and their children's relationship with technology?  [24:19]- What effects do screens and toxic blue light have on the body?  [35:51]- The results of Daniel's study on teenagers and the implementation of blue light blocking glasses and screens?  [40:14]- What is the first step to optimizing your relationship with blue light?  [43:27]- How does one create a healthy balance of natural to artificial light during daytime hours?  [54:15]- As children transition to teenage years, why do they tend to sleep in more frequently? How much does one's lighting environment impact their quality of sleep?  [58:46]- What is the CRD challenge? How can you participate in this free learning opportunity?  LINKS MENTIONED IN THIS EPISODE:  Many blue light blocking products and light therapies were mentioned in this episode. Find all the links, along with associated discount codes, at my product recommendation page!  My newest course, Cortisol Calm, will open for enrollment September 30! Be sure to get on the waitlist to receive a 10% discount code toward registration. Sign up for the CRD Challenge HERE! LET'S GET IN TOUCH:  Instagram: @shana.hussin.rdn Facebook: Fast To Heal With Shana Hussin Website: https://www.fasttoheal.info/ MY FREEBIES AND PROGRAMS: ENROLL in Low Insulin Academy ON-DEMAND HERE! My specialty course decoding everything about reversing metabolic illness!  If you want to work with me directly check out my coaching community! Find all my product recommendations and discount codes HERE. My FREE Starting Guides, a great place to learn more about the strategies I teach!  Register for my FREE webinar, You've Got Insulin Resistance and Blood Sugar Issues... NOW WHAT?!  Grab my metabolic testing guide!  Metabolic Makeover Starter Course teaches you how to transition from a sugar burner to a fat burner!  BE ON THE PODCAST by emailing support@fasttoheal.info and sharing your story of how Fast to Heal Services have changed your life!

Erik Wetterling, Founder and Editor of The Hedgeless Horseman website, joins us to discuss two junior resource companies that have put out recent news to the market; where he is attracted to the current value proposition.   Magna Mining Inc. (TSXV: NICU) (OTCQB: MGMNF) announced September 12th that it has entered into a definitive share purchase agreement dated September 11th2024 with a subsidiary of KGHM International Ltd to acquire a portfolio of copper, nickel, platinum, palladium assets located in the Sudbury Basin. Magna will acquire the producing McCreedy West copper mine, the past-producing Levack mine, Podolsky mine, and Kirkwood mine, as well as the Falconbridge Footwall (81.41%), Northwest Foy (81.41%), North Range and Rand exploration assets.*   Western Alaska Minerals (TSXV:WAM) (OTC: WAMFF) announced on September 10th an update on the 2024 discovery at the Warm Springs Target, on its 100% owned Illinois Creek project in western Alaska.  This is appearing to be a CRD type mineralization, where Silver-zinc-lead mineralization has been intersected Including 1.15 m @ 687 g/t Ag, 33.64% Pb, and also  2 m @ 88.5 g/t Ag, 2.39% Pb, 4% Zn.   * In full disclosure, the companies mentioned by Erik in this interview, are positions held in his personal portfolio, and also may be site sponsors of The Hedgeless Horseman website at the time of this recording.   * In full disclosure, Shad is also a shareholder of Magna Mining at the time of this recording.   Click here to visit Erik's site – The Hedgeless Horseman

 In this episode of Women on Wealth, we're joined by Ben Rizzuto from Janus Henderson Investors to discuss the critical topic of financial exploitation. Who is at risk, and what can you do to protect yourself and your loved ones? We dive into the definition of financial exploitation, identify common perpetrators, and explore how this issue has evolved over the years. Ben also shares insights on the most prevalent frauds today and the steps being taken on both federal and state levels to combat them. Tune in to learn more and safeguard your financial future. Show Highlights:Who should worry about financial exploitation? (3:21)Definition of financial exploitation (8:22)Common perpetrators (9:55)What families can do to protect themselves (11:08)How financial exploitation has changed over the years (12:28)The most common frauds (19:09)What's being done on a federal and state level (32:45)Where to learn more (37:24)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvie For the video of this webinar:https://www.youtube.com/watch?v=uwNYciAY7hwTo learn more:https://www.olderadultnestegg.com/https://www.janushenderson.com/en-us/The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Western Alaska Minerals (WAM) has reported the first drill results from the Warm Springs target, which showed the presence of precious metals and significant copper values. The company drilled a total of nine holes at Warm Springs and four holes at the LH target. The results indicate the discovery of a new major pathway for the proximal source of fluids, which is important in the CRD model. The drilling also revealed a continuum of mineralization from the Warm Springs Zone to Water Pump Creek, with different mineral compositions. The company plans to analyze the data and reevaluate the resource at the Illinois Creek mine.

In this powerful episode, we sit down with Karen Robbins, an advocate for financial abuse victims. Karen shares her personal journey from being a victim herself to becoming a voice in the fight against financial exploitation. We explore the insidious nature of identity theft and discuss practical steps for protecting loved ones. Karen also sheds light on the differences between coerced debt and financial abuse, and recent regulations aimed at addressing these issues.Show Highlights:What led Karen to become a financial advocate for financial abuse victims (2:32)Who is most susceptible to identity theft (8:40)The emotional and practical impacts this had on the family (10:10)Protecting the elderly (12:08)Where to begin in this situation (16:50)Coerced debt vs financial abuse and recent regulation (19:10)Texas and financial protection for women (24:50)Advice for someone in this situation (32:24)Recent bill in Connecticut (26:08)What can be done on a local basis (39:20)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvieThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Chad Peters, President and CEO of Ridgeline Minerals (TSX.V:RDG – OTCQB:RDGMF), joins us to unpack the details of the Selena Project being optioned to South32, as well as updates at the Swift, Black Ridge, and Big Blue Projects, all located in Nevada.   We start off having Chad outline the recently announced transaction with South32 Limited, pursuant to which they can acquire up to an 80% interest in Ridgeline's Selena carbonate replacement deposit ("CRD").  South32 pay Ridgeline a US$100,000 execution payment and fund a minimum of US$10.0 million (of which US$2.0 million is guaranteed) in qualifying exploration expenditures on the Project over an initial five-year term.  Following this, South32 will have a further option to increase its ownership interest in the Project to a total of 80% by incurring an additional US$10.0 million in expenditures for an aggregate spend of US$20.0 million. Ridgeline will remain operator of the Project during the Initial Phase 1 Earn-in Option period. We discussed the work program anticipated over the next year at Selena.   Next we shifted over to reviewing the work programs at both the Swift and Black Ridge projects, in option earn-in agreements with Nevada Gold Mines.   There will be a few deep drill holes drilled at the Swift Project this year by Nevada Gold Mines, searching for large Carlin-style deposits, and then earlier-stage ground work at Black Ridge, gearing up for a drill program next year.   We wrap up by reviewing the exploration plans for the 100% owned Big Blue Porphyry Project, where Chad would like to drill it this year, providing the capital can be raised at the right time and market conditions.  Additionally, at the Bell Creek project, their team is looking to use it as more of a optionality non-core bargaining chip in their solid relationship with Nevada Gold Mines, due to the proximity of that land to their current operations.    If you have any follow up questions for Chad regarding Ridgeline Minerals, then please email us at either Fleck@kereport.com or Shad@kereport.com.   Click here to visit the Ridgeline website and read over the recent news.

Erik Wetterling, Founder and Editor of The Hedgeless Horseman website, joins us to review 2 junior gold exploration resource stocks that have his attention based on recent new and the value proposition he believes they offer investors at present.   We start off reviewing Altamira Gold Corp. (TSXV: ALTA) (OTC: EQTRF) and their announcement yesterday about the newly discovered outcrops of porphyritic rocks within the Cajueiro project area. Initial follow-up of these target areas has identified new outcrops of highly altered and brecciated porphyritic intrusive rock 1.6 kilometres to the east of the Maria Bonita target where recent drilling intersected 146m @ 1g/t gold. The area displays extensive sericitic alteration and shows the characteristic quartz veining seen in the mineralized porphyritic host rock at Maria Bonita.    Next we discussed  Ridgeline Minerals Corp. (TSXV: RDG) (OTCQB: RDGMF) and their news announcement this morning they they have entered into an earn-in agreement dated August 21, 2024 with a wholly-owned subsidiary of South32 Limited, pursuant to which South32 can acquire up to an 80% interest in Ridgeline's Selena carbonate replacement deposit ("CRD") project.  We also discuss that they have Nevada Gold Mines as earn-in partners at Swift and Black Ridge, while retaining 100% ownership of Big Blue.   *In full disclosure, many of the companies mentioned by Erik in this interview, are positions held in his personal portfolio, and they also may be site sponsors of The Hedgeless Horseman website at the time of this recording.   Click here to visit Erik's site – The Hedgeless Horseman  

In this episode, Julina and Bob Paolucci, Founder and CEO of Principle Wealth Partners, delve into the recent market volatility, exploring its causes and the prevailing concerns in the marketplace. They discuss rapid changes in stocks, bonds, and rates, address recession fears, and analyze the impact of Japan's market movements, offering insights on the direction of the market and why it might be time to cut rates.  Show highlights:Changes Happen Fast. . In Stocks, Bonds and Rates (3:37)Addressing Recession Concerns (7:55)Small Caps (11:10)Japan's Biggest Two-Day Drop (13:37)Observing the Direction of the Market (14:38)Earnings Are Up (17:34)Japan Effect on Recent Market Volatility (19:32)Why It's Time to Cut Rates (26:55)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvie For the video of this webinar:https://youtu.be/FczLt405jr8The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Join Julina and Bob Paolucci, Founder and CEO of Principle Wealth Partners, as they reflect on the markets for the first half of 2024 and discuss the sense of urgency for the year's second half.  Show highlights: Market Performance (4:20) Magnificent Seven (5:43) Earnings Climb Higher (7:53) US Continues to Lead Growth Worldwide (10:57) Inflation Keeps Going Lower (13:15) Indications of a Slowdown (15:13) Jobs and Unemployment (17:40) The Fed-Why It's Time to Make A Decision (19:22)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvie  For the video of this webinar:https://www.youtube.com/watch?v=NeQuP5lQ6GY   The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

In this episode I talk with Sundar Iyer, a successful American entrepreneur and businessman, about how the California Department of Civil Rights (CRD) openly discriminated against him on the basis of religion. Sundar grew up in India and is himself not religious, but after a disgruntled employee complained to the CRD, the CRD assigned Sundar the religion of ‘Hindu' and wrongly claimed that he was harassing this employee because of his caste. Sundar explains why this case makes no sense, the long history of CRD harassing peaceful citizens, and how he is fighting back. We also discuss the dangerous precedent that government agencies like the CRD pose and why religious freedom is essential to the American way of life. Please support Sundar by sharing this interview and supporting his work! The public needs to know this story! Media Referenced:Contact Sundar: sundaes@gmail.comFor more information: Castegate.com The Protestant Libertarian Podcast is a project of the Libertarian Christian Institute and a part of the Christians For Liberty Network. The Libertarian Christian Institute can be found at www.libertarianchristians.com.Questions, comments, suggestions? Please reach out to me at theprotestantlibertarian@gmail.com.  You can also follow the podcast on Twitter: @prolibertypod. For more about the show, you can go to theprotestantlibertarianpodcast.com. If you like the show and want to support it, you can! Go to libertarianchristians.com, where you can donate to LCI and buy The Protestant Libertarian Podcast Merch! Also, please consider giving me a star rating and leaving me a review, it really helps expand the shows profile! Thanks!

Please Note: Since the recording of this episode, NAR entered into a proposed settlement agreement that would end litigation of claims brought on behalf of home sellers related to broker commissions. To learn more, and to prepare for the practice changes taking effect August 17, 2024, go to facts.realtor.   Welcome to Part 2 of my conversation with Lynn Madison! Today we are talking about different business models. As you refresh your presentation of what you do and what you charge, we want you maybe to consider some other options or, at least, some other parts of the business and we also want you to be aware of the possibility that somebody else might have a different business model; how are you going to be prepared for that? Go back to episode 098 to hear the start of our conversation on clearly communicating your value to your clients. Lynn Madison has received the REBAC Hall of Fame Award, the REBI Distinguished Educator Award, and Educator and REALTOR® of the Year, both from the Illinois Association of REALTORS®. She is also one of the primary authors of the ABR® designation course and we are thrilled to have her back with us again. We will link to the other two episodes where Lynn has been with us, in the show notes.   Welcome back, Lynn Madison, for Episode 2! [2:25] So we just want to talk about maybe some of the different ways people can get paid, maybe some challenges we see, and what we hear from people talking about business models. [2:45] Your business model must be something that is allowed in your state. Your menu of services must not include options that are lower than the minimum services that the license law requires you to give.   [5:05] Competition.REALTOR (now facts.realtor) lists tasks you perform for clients. Are they in your business model? Lynn says your business model is what you deliver but be consistent. She talks about when inconsistency hurt her.   [7:44] If you provide different levels of service, have the client check and sign on a written document what level of services they are choosing, so there is no confusion or anger later. Be very clear about it.   [8:37] Lynn has a pledge of performance. In it, she offers her full level of service to every client. If she offered less service to some, she would need a separate pledge of performance for that level of service.   [10:07] Lynn teaches about six buckets: finding a suitable property, showing property, analyzing the market, writing a reasonable offer, negotiating the offer, and following the transaction through to the closing.   [10:47] People don't like to lose out. When you have a buyer sign a Buyer Representation Contract, you move the buyer from customer-level service to client-level service. Lynn explains what that means by law.   [14:50] You're going to want to have this Buyer Representation Contract signed with a compensation amount in it. You're going to have to figure out how to talk about compensation with your buyers.   [15:33] Stop being afraid of talking about compensation. Explain what it is you do to earn the money you are making. Nobody works for free. [19:34] Study in the last 18 months in your market, how long it took you to find a property for your buyer. Tell your client, in this market, it takes about four to six months to find a house. Would that fit your plans?   [22:54] Follow your state law regarding the contract and protection period. What if they buy something after the contract that you showed them? If the contract period is long, there must be an opt-out.   [26:52] Lynn wants to give her buyers premium-level services but if the buyer finds a house in two weeks instead of six months, that's a good place to offer a menu of services. Also, Monica tells why this podcast episode is not an antitrust violation conversation in the discussion of business models.   [29:27] You can use a free Zoom account to meet with buyers, especially if out of town. Share your screen with them. Tell how they will be notified of new listings in MLS and other features and statistics.   [31:10] Statistics of days a home stays on the market can show the urgency of making a move to buy a home. You can show these electronically or on paper. NAR resources linked below can help.   [32:43] Lynn takes NAR resources and personalizes them for herself to show her clients her pledge of performance of what she will do for them to get them the right property at the right terms to the closing.   [34:40] How Lynn deals with appraisal disagreements.   [35:41] In this hour, Monica and Lynn have shared some of what they teach in the ABR® class. Be sure to take the ABR® designation, with Lynn, online, or locally.   [36:49] “If you've not read the book, Who Moved My Cheese?, get it and read it. If you think about what we're going through, it helps you realize that you've got to change your mindset.”   [37:52] Monica thanks Lynn Madison. She gives us so much great information! What is your takeaway from this conversation? Can you bring some points back to your team or brokerage firm?   [38:05] Please share this podcast with your fellow agents. I am learning all the time and I am talking with some very well-trained and thoughtful educators. They want to help you and the people that they train to make the transition that needs to be made. Please share this as a resource for this time.   [38:31] The Center for REALTOR® Development offers excellent training and you can find live, live virtual, and online courses, designations, and micro-courses. Check out the ABR® offerings and the SRS offerings locally or at Learning.REALTOR. Tweetables:   “Your business model cannot be something that is not allowed in your state. Some states have, for example, Minimum Services. If I have an exclusive agreement with my client, whether it's a listing or a buyer, I must give them a certain level of service.” — Lynn Madison   “I'm at a loss as to understand why a buyer would want to go [without representation]. But part of the problem is we haven't been having these conversations with the buyers.” — Lynn Madison   “You're going to have to figure out how to talk about compensation with your buyers. All of this ties back into your value proposition.” — Lynn Madison   “If you've not read the book, Who Moved My Cheese?, get it and read it. If you think about what we're going through, it helps you realize that you've got to change your mindset.” — Lynn Madison   Guest Links: Madisonseminars.com lynn@madisonseminars.com   080: “Talking Buyers, Contracts, Value, and Fees with Lynn Madison” 098: “Navigating Client Conversations: Communicate Your Value with Confidence and Clarity with Lynn Madison: Part 1”   NAR Resource Links ABR® Accredited Buyer's Representative SRS Seller Representative Specialist   Additional Links: Microcourses found at Learning.REALTOR. Use the coupon code PODCAST to obtain 15% off the price of any microcourse!   crdpodcast@nar.realtor Crdpodcast.REALTOR Learning.REALTOR — for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates CRD.REALTOR — List of all courses offered Competition.REALTOR   Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com   Monica's Facebook Page: Facebook.com/Monica.Neubauer Instagram: Instagram.com/MonicaNeubauerSpeaks       Guest Bio Lynn Madison Lynn is the owner of Lynn Madison Seminars, a full-service training and development company devoted to the advancement of professionalism in real estate.   Formerly Lynn was Vice President and Director of Career Development for The Prudential Preferred Properties in Chicago, a 25 office firm with over 900 associates, where she authored and trained their New Agent Institute. Before that, she held the same position with First United REALTORS®, a local independent with 28 offices. She was the manager of two different offices for First United. Prior to that, she was an award-winning salesperson — receiving their Salesperson of the Year honors.   Lynn speaks annually at the NAR conventions and is an ABR®, BPOR, GRI, SFR, SRES®, and SRS instructor and has conducted classes in over 30 states. Lynn's involvement with REBAC goes beyond instructing. She conducts the trainer recertification program for REBAC instructors annually and has authored or co-authored the SFR, ABR®, and BPOR courses.   Lynn regularly conducts the New Member Orientation program for many of the associations in the Chicagoland area, as well as Professional Standards and Leadership training sessions for many state and local Associations. She is the Treasurer of Main Street Organization of REALTORS® her local 14,000+ member association.   At the National level, Lynn currently serves on the NAR Professional Development Committee, and the RPAC Participation Council, and has served on Equal Opportunity and Cultural Diversity as well as Professional Standards and Risk Management. Lynn has been honored with two NAR Hall of Fame memberships — RPAC and REBAC.   At the state level, Lynn has served as Chair of the RPAC Fund Raising Committee, Professional Standards Committee, and GRI Board of Governors and has served as a member of the License Law Rewrite Task Force, License Law Scope & Structure Working Group, the Equal Opportunity Working Group, Education MIG as well as IAR's Strat Plan and Convention Committees. She is the author of over 20 continuing education classes in Illinois. She has also served on the state Continuing Education Task Force and the CE Curriculum and Instructor Development Subcommittees. As a member of the Illinois Agency Task Force Lynn has been instrumental in the creation and training of new agency policies.   Lynn is ITI certified, a member of the Real Estate Educators Association, was a National Educator of the Year award winner, has received the Educator of the Year award from AIREE, the Illinois real estate educator of the year and REALTOR® of the Year honors from her local association in 2003 and was named the Illinois Association REALTOR® of the Year for 2011.   Lynn's Credentials 2016 President Mainstreet Organization of REALTORS®, 18,000 MEMBER ASSOCIATION 2011 REALTOR® of the Year — Illinois Association of REALTORS® 2003 REALTOR® of the Year — Main Street Organization of REALTORS® Speaker at the NAR Convention since 1993 REBAC Hall of Fame RPAC Hall of Fame Conducts over 250 continuing education seminars annually NAR and REBI Certified to Teach: ABR® SFR SRES® SRS RENE PSA  

Welcome to episode 265 of the Cloud Pod Podcast – where the forecast is always cloudy! Justin and Matthew are with you this week, and even though it's a light news week, you're definitely going to want to stick around. We're looking forward to FinOps, talking about updates to Consul, WIF coming to Vault 1.17, and giving an intro to Databricks LakeFlow. Because we needed another lake product. Be sure to stick around for this week's Cloud Journey series too.  Titles we almost went with this week: The CloudPod lets the DataLake flow Amazon attempts an international incident in Taiwan What's your Vector Mysql?  A big thanks to this week's sponsor: We're sponsorless! Want to reach a dedicated audience of cloud engineers? Send us an email, or hit us up on our Slack Channel and let's chat!  General News 01:40 Consul 1.19 improves Kubernetes workflows, snapshot support, and Nomad integration Consul 1.19 is now generally available, improving the user experience, providing flexibility and enhancing integration points.  Consul 1.19 introduces a new registration custom resource definition (CRD) that simplifies the process of registering external services into the mesh.   Consul service mesh already supports routing to services outside of the mesh through terminating gateways. However, there are advantages to using the new Registration CRD.  Consul snapshots can now be stored in multiple destinations, previously, you could only snapshot to a local path or to a remote object store destination but not both.   Now you can take a snapshot of NFS Mounts, San attached Storage, or Object storage.  Consul API gateways can now be deployed on Nomad, combined with transparent proxy and enterprise features like admin partitions  01:37 Matthew- “What I was surprised about, which I did not know, was that console API gateway can now be deployed on Nomad. Was it not able to be deployed before? Just feels weird… you know, consoles should be able to be deployed on nomad compared to that. You know, it’s all the same company, but sometimes team A doesn’t always talk to team B.” 03:21 Vault 1.17 brings WIF, EST support for PKI, and more   Vault 1.17 is now generally available with new secure workflows, better performance and improved secrets management scalability.  Key new features: Workload Identify Federation (WIF) allows you to eliminate concerns around providing security credentials to vault plugins.   Using the new support for WIF< a trust relationship can be established between an external system and va

2024 Legislative & Budget Priorities2024 #1 Priority Legislation AB 1955 (Ward, LGBTQ Caucus) – SAFETY ActThe Support Academic Futures & Educators for Today's Youth Act (SAFETY Act), would strengthen existing California protections against forced outings of LGBTQ+ students in schools; provide critical resources for parents and families of LGBTQ+ students to support them in working towards family acceptance on their own terms; and provide additional protections to educators who face retaliatory actions from administrators and school boards for seeking to create an inclusive and safe school environment. 2024 Priority “Sponsored” Legislation AB 1899 (Cervantes) – Gender-Inclusive Jury QuestionnairesThis bill requires Judicial Council to create a template juror questionnaire that is inclusive of gender expression and identity.AB 1979 (Ward) – Doxing Victims Recourse ActThis bill provides recourse for victims who have been harmed as a result of being doxed by allowing a victim to pursue civil action to receive restitution for the harms endured as a result of being doxed.AB 2258 (Zbur) – Protecting Access to Preventive ServicesThe bill codifies longstanding federal guidance that health plans and insurers must cover services that are integral to providing recommended preventive care – including anesthesia and polyp removal during a colonoscopy; placement, management, and removal of long-acting reversible contraceptives; and, ancillary and support services for PrEP including HIV and other STI screening – without cost sharing.AB 2442 (Zbur) – Expedited Medical Licensure for Gender-Affirming CareThis bill requires the expedited processing of licensure applications by the Medical Board of California, the Osteopathic Medical Board of California, the Board of Registered Nursing, the Physician Assistant Board, the Board of Behavioral Sciences, and the Board of Psychology for applicants demonstrating a commitment to providing gender-affirming health care or gender-affirming mental health care services within their licensed scope of practice.AB 2477 (Zbur) – Foster Care Cash SavingsThis bill permits youth transitioning to adulthood from foster care the chance to grow the best financial safety net possible by updating state law to clarify that young adults have the ability to accumulate cash savings while in foster care.AB 2498 (Zbur) – California Housing Security ActThis bill aims to prevent individuals from falling into homelessness by providing rent subsidies to a range of rent-burdened populations, including former foster youth, older adults, adults with disabilities, people experiencing unemployment or homelessness, and recently incarcerated people.AB 3031 (Lee and Low) – Statewide LGBTQ+ CommissionThis bill establishes a Statewide LGBTQ+ Commission to serve as a state-level focal point for identification of key issues for the Caucus to prioritize in the future.SB 11 (Menjivar) – California State University Mental Health [Two-Year Bill]This bill would require the CSU to decrease the ratio of students to mental health counselors to address increased student needs and work to create a pipeline for CSU students to become mental health professionals. Also, this bill would increase data collection on CSU's mental health services and student wellbeing.SB 729 (Menjivar) – Health Care Coverage for Infertility and Fertility Treatment [Two-Year Bill]This bill would expand access to fertility care for Californians, including coverage for in vitro fertilization (IVF). Also, this bill would revise the definition of infertility to ensure same-sex couples are covered by health care insurance and are treated without discrimination.SB 954 (Menjivar) – Youth Health Equity + Safety (YHES) Act This bill seeks to address the sexually transmitted infection (STI) epidemic among California youth and improve equitable public health outcomes statewide by expanding teen access to condoms in schools and communities.SB 957 (Wiener) – SOGI Data CollectionThis bill requires the California Department of Public Health (CDPH) to collect sexual orientation and gender identity (SOGI) data from third-party entities, including local health jurisdictions, on any forms or electronic data systems, unless prohibited by federal or state law. The bill also requires CDPH to provide an annual report to the public and to the Legislature on its efforts to collect, analyze, and report SOGI data.SB 959 (Menjivar) – TGI Resources WebsiteThis bill establishes an online resource for transgender, gender diverse, and intersex (TGI) people and their families to combat misinformation and provide accurate information about access to trans-inclusive health care, existing legal protections for patients and health care providers, and other available support services.SB 990 (Padilla) – LGBTQ+ Disaster Relief PlansThis bill requires Cal-OES to consult with LGBTQ+ organizations and advocates in the community when creating the State Disaster Plan.SB 1278 (Laird) – World AIDS DayThis bill enshrines December 1st as World AIDS Day, a day globally recognized in solidarity with people affected by HIV.SB 1333 (Eggman) – HIV Data SharingThis bill requires state and local health department employees and contractors to annually sign the agreement and would repeal the annual review of the agreements. Additionally, this bill authorizes disclosure to other local, state, or federal public health agencies or to medical researchers when confidential information is necessary for the coordination of, linkage to, or reengagement in care for the person.SB 1491 (Eggman) – LGBTQ+ Higher Education EquityThis bill, beginning with the 2026–27 school year, requires the Student Aid Commission to provide a written notice to students who receive state financial aid regarding whether their postsecondary educational institution has an exemption from either the Equity in Higher Education Act or Title IX on file with the commission.  2024 Endorsed “Supported” Legislation AB 1810 (Bryan) – Incarcerated Peoples' Menstrual ProductsCaucus Co-Author: Assemblymember Zbur This bill ensures that any incarcerated person and/or youth who menstruates or experiences uterine or vaginal bleeding has ready access to, is allowed to use, and continues to use materials necessary for personal hygiene without having to request them.AB 1825 (Muratsuchi) – The California Freedom to Read ActCaucus Principal Co-Author: Assemblymember Ward This bill prohibits public libraries from banning books based on partisan or political reasons, view point discrimination, gender, sexual identity, religion, disability, or on the basis that the books contain inclusive and diverse perspectives.AB 3161 (Bonta) – Equity in Health Care Act: Ensuring Safety and AccountabilityCaucus Co-Author: Assemblymember Jackson This bill requires hospitals to analyze patient safety events by sociodemographic factors, like race, ethnicity, language, sexual orientation, and disability status. This will allow us to see the disparities in health that communities of color and LGBTQ communities are facing. Additionally, AB 3161 requires hospital safety plans to include a process for addressing racism and discrimination and its impacts on patient health and safety.SB 1022 (Skinner) – Defending Housing, Employment, and Other Civil Rights ViolationsCaucus Co-Author: Senator Wiener This bill empowers the Civil Rights Department (CRD) to stop systemic workplace discrimination by doing the following: (1) Clarify that deadlines that apply to individual complaints do not apply to complaints initiated by CRD or to group/class claims being prosecuted by CRD; (2) Allow CRD to rectify longrunning civil rights violations for the benefit of all victims, not only recent victims; (3) Allow CRD to pause investigations when the parties agree; and, (4) Allow housing discrimination cases to be brought in any county where CRD has an office.  May Revise Budget Priorities Preserve all funding for the LBTQ Women's Health Equity Initiative Fund within CDPH Office of Health Equity's Gender Health Equity Section by authorizing existing funds to transfer from FY23/24 to FY24/25.Reject proposed cuts to the CYBHI – Public Education and Change Campaign funding within CDPH Office of Health Equity to ensure LGBTQ+ preventive mental health programs are prioritized including local LGBTQ organizations and the statewide LGBTQ campaign, and replace proposed cuts with a more equitable level of funding reduction.Reject proposed cuts for “The Future of Public Health” initiative at CDPH Office of Health Equity to ensure LGBTQ community services within local health departments are supported for sexual health and harm reduction programs.Support requested expenditure authority of $725,000 with Department of Health Care Services (DHCS) to support addition of intersexuality to voluntary self-identification information to be collected by state departments and entities, pursuant to the requirements of AB 1163 (Lesbian, Gay, Bisexual, and Transgender Disparities Reduction Act).Support requested expenditure authority of $710,000 with Department of Public Health (CDPH) to implement system changes to collect voluntary self identification information pertaining to intersexuality in the course of collecting demographic data, pursuant to the requirements requirements of AB 1163 (Lesbian, Gay, Bisexual, and Transgender Disparities Reduction Act).Support requested expenditure authority of $718,000 with Health Care Access and Information (HCAI) to to support implementation of required planning by hospitals for increasing the diversity of procured vendors, pursuant to the requirements of AB 1392 (Rodriguez), Chapter 840, Statutes of 2023.  Priority Budget Requests (In Alphabetical Order) ADAP Rebate Fund Loan Reduction & Modernizations – This budget request reduces the Governor's proposed $500 million loan from the AIDS Drug Assistance Program (ADAP) Rebate Fund to the General Fund (GF) to $250 million, of which $5 million of the loaned ADAP-to-GF must go towards SB 954 (Menjivar, 2024), the YHES Act. Additionally, this budget request seeks the following modernizations to ADAP: (1) ADAP and PrEP-AP eligibility increase from 500% Federal Poverty Level (FPL) to 600% FPL – $3.5 million (one-time); (2) Harm Reduction Clearinghouse Increase: $10 million (one-time); (3) Health Insurance Premium Payment Cap on Premium Payments Lift: $3.5 million (one-time) & $7 million (ongoing); (4) TGI Wellness and Equity Fund: $5 million (ongoing); and, (5) Needs assessments and analyses for both gap identification of client navigation and retention services, as well as PrEP Navigation Program: $400 thousand (onetime).California Coalition of Transgender Immigrants – This budget request seeks $250,000 in funding to be divided into three programs to help bring equity, justice, and inclusion for Transgender, Gender NonConforming, and Intersex (TGI) immigrants: (1) Trans Immigrant Asylee program – $150,000; (2) Trans Inter-Sectional Unity program – $50,000; and, (3) Trans Emerging Leadership and Artist program – $50,000.Raise-A-Child Foster Family Recruitment & Retention Expansion – This budget request seeks $1 million in funding to accelerate the expansion of Raise-A-Child services throughout California to go towards: (1) Recruitment Promotion Campaigns; (2) Community Events and Engagement; (3) Virtual Information and Orientation Sessions; and, (4) Technical Assistance and Support.Renewal of Preservation of LGBTQ+ History Program Historical Archives – This budget request seeks to renew previously allocated funding for the “Preservation and Accessibility of California's LGBTQ+ History Program,” which is a competitive grant program that is administered by the California State Library. This program supports LGBTQ+ archives of all sizes for projects that work to preserve and make publicly accessible collections relevant to the LGBTQ+ movement, culture, experience, and/or history in California, as well as provides vital information services, including research opportunities, youth engagement, and academic enrichment. Specifically, this San Francisco Harvey Milk Plaza ADA Updates – This budget request seeks to invest $5 million in funding to be used towards the installation of a new ADA-compliant main stair and a new escalator to access the entrance to the Castro Muni Station for Harvey Milk Plaza. AB 1955 (Ward, LGBTQ Caucus) – SAFETY Act 

Join us as Amey Stone, writer and editor for Barron's Advisor, delves into the pivotal role of financial advisors. Discover the importance of financial planning, insights into women's satisfaction with advisors, and the challenges faced by female advisors. Learn what to look for in an advisor, key questions to ask, and understand the impact of the Great Wealth Transfer.Show Highlights:The importance of financial planning the future of individuals (5:01)Two types of women that work with financial advisors (6:52)Research of women's satisfaction working with advisors (11:47)Survey of female advisors (14:28)Why women still feel patronized (17:35)The average age of today's advisor (18:57)Why there are so few women advisors today (20:35)How advisors can help (24:23)What to look for when searching for an advisor (26:44)Questions to ask an advisor in an interview (29:34)How advisors structure fees (31:26)The Great Wealth Transfer (35:02)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvieThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Strike precious and critical minerals with Aztec Minerals (TSXV: AZT), a leading mineral exploration company dedicated to uncovering and developing large-scale gold, copper, silver, lead, and zinc deposits across North America.In this interview, CEO and Director Simon Dyakowski talks about his company's 452-hectare Tombstone Project in southern Arizona. This emerging gold-silver discovery boasts high-grade CRD silver-lead-zinc potential, with Aztec Minerals holding a 75% interest in the Tombstone Property Joint Venture. On top of that, the land is under patented claims.Mineral exploration at Tombstone in 2024 has yielded significant results, including a bonanza-grade silver discovery of 3,477 grams per tonne. Furthermore, the company has recently identified a new high-potential zone for shallow gold-silver expansion drill targets, setting the stage for further drilling activity in the coming months.As silver prices are trending upward, Aztec Minerals is well-positioned to capitalize on this trend: https://aztecminerals.com/Watch the full YouTube interview here: https://www.youtube.com/watch?v=K2FGFwgcsoMAnd follow us to stay updated: https://www.youtube.com/@GlobalOneMedia?sub_confirmation=1

Welcome to "What Do You Really Want," the episode where we dive deep into the journeys, challenges, and triumphs of individuals who have dared to dream big and pursue their passions. Today we speak with Cayla Craft, a self-made millionaire and accomplished entrepreneur, to uncover the secrets behind her rise. From her early determination to secure a steady job at the age of eight to her current role as a coach for aspiring entrepreneurs, Cayla's story is both inspiring and instructive.Show Highlights:Why Cayla decided to have a steady job by the age of eight (1:48)Advice in considering a career shift (9:49)Mommy Millionaire (10:54)How she coaches entrepreneurs (12:50)Living paycheck to paycheck to becoming a millionaire (15:15)Accepting reality (17:50)Practical steps to build wealth (18:32)Where to start (22:28)Strategies to build a social media presence (25:59)The process of What Do You Really Want (28:32)The one nugget about social media platforms (36:27)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvieThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Interview with Lauren Megaw, Investor Relations of Reyna Silver Corp.Our previous interview: https://www.cruxinvestor.com/posts/reyna-silver-tsxvrslv-advancing-high-potential-crd-silver-projects-in-nevada-mexico-5134Recording date: 14th May 2024Reyna Silver Corp (TSXV:RSLV) is an emerging precious metals exploration company with a portfolio of high-grade, district-scale projects in the world-class mining jurisdictions of Nevada and Mexico. The company's flagship asset is the Gryphon project in Nevada, where drilling is set to commence this summer to test multiple gold, silver, copper, and zinc targets.Reyna Silver's management team has a proven track record of success in exploring for carbonate replacement deposits (CRDs), which are known for their potential to host large, high-grade ore bodies. The company's CEO, Jorge Ramiro Monroy, was a key member of the MAG Silver team that discovered the Juanicipio CRD deposit in Mexico while Peter Megaw, Reyna Silver's Chief Exploration Officer, is a world-renowned expert on CRDs and has been involved in multiple major discoveries over his career.In addition to the Gryphon project, Reyna Silver has three other wholly-owned projects that offer significant exploration upside: Medicine Springs, Nevada: A carbonate replacement deposit target with strong potential for high-grade silver, lead, and zinc mineralization; Guigui, Mexico: A large, district-scale CRD play in the heart of the Santa Eulalia mining district, the world's largest known CRD system; and Batopilas, Mexico: A historically productive, high-grade native silver district with excellent potential for additional discoveries.Reyna Silver is well-funded to aggressively advance its projects, having recently raised C$4.6 million through a private placement. The company has a tight share structure and management owns approximately 20% of the shares, ensuring strong alignment with shareholders.The macro backdrop for precious metals is highly favorable, with negative real interest rates, unprecedented monetary and fiscal stimulus, and rising geopolitical tensions all supportive of higher gold and silver prices. Silver, in particular, stands to benefit from its dual role as both a monetary and industrial metal. Silver's use in solar panels, electric vehicles, and 5G technology could drive strong demand growth in the coming years.Reyna Silver offers investors a compelling opportunity to gain exposure to the bull market in precious metals through a company with high-quality assets, a proven management team, and multiple near-term catalysts. With drilling set to commence at the flagship Gryphon project this summer, the company is well-positioned to deliver exploration success and create significant shareholder value.The key risks to consider include the inherent exploration risk in the mining sector, as well as the potential for permitting delays or challenges in the company's operating jurisdictions. However, Reyna Silver's experienced team and diversified asset base help mitigate these risks.In summary, Reyna Silver offers a unique investment opportunity in the precious metals space. The company's focus on high-grade, district-scale CRD deposits, coupled with its strong management team and robust financial position, make it well-suited to capitalize on the bull market in gold and silver. With drill rigs set to turn at the Gryphon project in the coming months, investors would be wise to keep Reyna Silver on their radar.View Reyna Silver's company profile: https://www.cruxinvestor.com/companies/reyna-silverSign up for Crux Investor: https://cruxinvestor.com

In this episode, I am joined by Alesandra Messineo,  Founder and Owner of the Law Offices of Alessandra M. Messineo Long. Join us as we dive into the world of legal essentials for college-bound families where we explore crucial topics that every family sending a child off to college should consider. It's not too early for young adults to have a will, power of attorney, and a health care proxy.Show Highlights:Why estate documents are essential for college (4:32)When young adults need to consider a will (12:24)Power of attorney and health care proxy (15:19)Where to store documents (25:48)Requirements for these documents (27:24)How often to review (28:47)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvieThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

Join us as we delve into the crucial topic of protecting your assets with an umbrella policy. Our guest, Devin Wells from Howard and Gay Insurance, sheds light on key aspects such as how an umbrella policy provides additional liability coverage beyond standard insurance, what the policy covers, how often to review the policy, and how to negotiate coverage and premiums with carriers.What is an umbrella policy? (1:49)What it covers (2:59)Why review the policy (3:48)New coverages in these policies (4:24)Who this is for (4:59)How it works with existing coverage (8:23)Life events in which to review or add a policy (10:22)Misconceptions (16:39)How insurance companies determine coverage and premiums (18:12)Negotiating with a carrier (20:27)Change in costs (21:20)How agencies work with different insurance carriers (21:59)Recent fraud (23:54)The process (27:21)Connect with Julina Ogilvie:Website- https://www.julinaogilvie.comWebsite- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvieThe information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

The California Pay Data Reporting Portal opened on February 1, 2024, and private employers of 100 or more employees and/or 100 or more workers hired through labor contractors must submit their 2023 pay data reports on or before May 8, 2024. In this podcast, Jay Patton (shareholder, Birmingham) and Kiosha Dickey (of counsel, Columbia) review recent major developments, including guidance issued by the California Civil Rights Department (CRD). Kiosha and Jay discuss the CRD's focus on reporting remote worker data, its intent to pursue employers that do not file required reports, and the new requirement that employers supply their California Secretary of State (SoS) number.

Tune in for a high-level conversation on securing your business' future with Alison Smith from Principal, as we explore the latest trends and strategies for navigating 401(k) and organizational retirement plans in 2024. Discover actionable insights to enhance employee retention and organizational efficiency amidst market enhancements.Show Highlights:What Are Corporate Retirement Plan Strategies? (2:12)Top Considerations for Businesses in 2024 (2:50)How Employers Can Encourage Active Participation (5:16)Rise of ESG (Environmental, Social, Governance) (6:42)Technological Advances (7:47)Are Corporate Plans Still Suitable for Retirement Savings (10:16)Connect with Julina Ogilvie:Website- principlewealthpartners.com/teamEmail- jogilvie@principlewealthpartners.comYouTube- https://www.youtube.com/channel/UCTISXBl6sK8JsJn0ZhmQfkAFacebook- https://www.facebook.com/principlewealthpartnersLinkedIn- @julinaogilvieInsurance products and plan administrative services provided through Principal Life Insurance Company®. Securities offered through Principal Securities, Inc., member SIPC and/or independent broker/dealers. Referenced companies are members of the Principal Financial Group®, Des Moines, IA 50392. The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180

In this podcast, Kushal speaks with Sundar Iyer about the Cisco Caste Case. Sundar, along with engineer Ramana Kompella, were accused of Caste Bias by the CRD. In this podcast, ex-Cisco engineer Sundar Iyer talks about his journey and explains how the CRD eventually dropped the lawsuit against him after three years. Sundar Iyer says the California civil rights department 'lied & hid evidence' from the court, media, & activists. Website: https://castegate.org/ #CiscoCasteCase #Casteism #SB403 ------------------------------------------------------------ Listen to the podcasts on: SoundCloud: https://soundcloud.com/kushal-mehra-99891819 Spotify: https://open.spotify.com/show/1rVcDV3upgVurMVW1wwoBp Apple Podcasts: https://podcasts.apple.com/us/podcast/the-c%C4%81rv%C4%81ka-podcast/id1445348369 Stitcher: https://www.stitcher.com/show/the-carvaka-podcast ------------------------------------------------------------ Support The Cārvāka Podcast: Become a Member on YouTube: https://www.youtube.com/channel/UCKPx... Become a Member on Fanmo: https://fanmo.in/the_carvaka_podcast Become a Member on Patreon: https://www.patreon.com/carvaka UPI: kushalmehra@icici To buy The Carvaka Podcast Exclusive Merch please visit: http://kushalmehra.com/shop ------------------------------------------------------------ Follow Kushal: Twitter: https://twitter.com/kushal_mehra?ref_... Facebook: https://www.facebook.com/KushalMehraO... Instagram: https://www.instagram.com/thecarvakap... Koo: https://www.kooapp.com/profile/kushal... Inquiries: https://kushalmehra.com/ Feedback: kushalmehra81@gmail.com Want to create live streams like this? Check out StreamYard: https://streamyard.com/pal/d/5690506426187776

Welcome back, Friends! Our podcast has received another award from AVA Digital Awards, an international competition that recognizes excellence by creative professionals in the area of digital communication. We received a Gold Award for Podcast and Audio Production!  We have another amazing award-winning guest today! She has been recognized as an amazing instructor, having received the ABR® Hall of Fame Award, the REBI Distinguished Educator Award, REALTOR® of the Year, and Educator of the Year, both from the Illinois Association of REALTORS®. She is one of the primary authors of the ABR® designation course and we are thrilled to have her back with us again. She was with us last year to talk about the changes in the industry and how to prepare for them. We will link to that episode in the show notes. Today, we are going to dig in deeper with Lynn, specifically about ways to show your value to your clients. We must improve our skill in communicating what we do and how valuable our skills are to our clients. We have two episodes this month with Lynn, and I hope you can listen to both of them! They are worth your time!   [3:19] Build your value proposition; if you don't quantify what you're doing, you don't know the value you bring to buyers.   [4:46] You need the client to know what you do for them. It is sometimes harder and more work to get a lower-priced transaction to the closing table. The average buyer doesn't know the value you bring if you haven't explained it to them. [7:39] Lynn notes that “value proposition” is sales language and people don't want to be sold, they want to buy a house. Tell the buyer about the value you bring them, not about your value proposition.   [8:29] A contractor building a house has a standards sheet showing what is included and some optional upgrades. Lynn talks about using a Buyer Representation Agreement. Lynn makes sure the buyer understands the “big bucket” things she does for them.   [11:38] A weekly call with buyers keeps them updated on what you have done for them to help them buy a house. Lynn thinks we all should be doing that.   [13:46] Lynn tells buyers that not all available properties are on the internet and not all properties on the internet are available.   [14:03] If you don't consistently touch base with the buyer, they go out looking with other people. Stay in touch weekly with your buyers!   [16:59] Use your analytical tool in your MLS and communicate to your buyers what the market is doing. Lynn shares a recent example about pricing listings.   [18:34] It's hard for buyers to see we have an inventory shortage when the houses are everywhere. Unfortunately, in many cases, we're not communicating this to our buyers.   [19:24] In your weekly call with your buyer, share data, such as the updated absorption rate. In the market niche you're looking at, what went under contract this week?   [20:03] Lynn shares a story from her travels. Lynn shares more facts about the absorption rate or month's supply of inventory. [24:36] You would have a license law problem and a code of ethics problem if you showed houses to someone in an exclusive contract to purchase with another brokerage company.   [28:16] If something changes along the way, you may need multiple consultations.   [31:23] Sellers are now recording the agent and buyers going through their homes. So we have to be careful what we talk about. This is a relationship business. We build relationships in person.   [33:54] Some websites pull the new listing data in the middle of the night. That puts them almost 24 hours behind the MLSs. This happens in a counseling session.   [34:36] Lynn's last word: “NAR has a website called Competition.realtor. On there find ‘105 Things that Buyer Agents Do for Their Buyer Clients.'   [35:20] It might help you to formulate your value proposition. Find out what you're passionate about, that your buyers have benefitted from, and talk about that.   [38:05] Kudos for doing your best to get your clients the help they need and want. The Center for REALTOR® Development offers excellent training and you can find live, live virtual, and online courses, designations, and micro-courses. Check out the ABR® offerings locally or at Learning.realtor.   Tweetables:   “You go too long without talking to somebody and you can't figure out how to get yourself back on track.” — Lynn Madison   “Not all of the available properties are on the internet and not all of what's on the internet is available. We have stuff in the MLS that they don't see. Most MLSs do.” — Lynn Madison   “This is a relationship business and it's hard to build a relationship if all you're ever doing is communicating with somebody via computer and texting.” — Lynn Madison   “I talk with my buyers a lot about my having at least 10 different ways to make their offer stronger in a multiple-offer situation.” — Lynn Madison   Guest Links:Madisonseminars.com lynn@madisonseminars.com   080: “Talking Buyers, Contracts, Value, and Fees with Lynn Madison”   NAR Resource LinksABR®   Additional Links: Microcourses found at Learning.REALTOR. Use the coupon code PODCAST to obtain 15% off the price of any microcourse!   crdpodcast@nar.realtor Crdpodcast.REALTOR Learning.REALTOR — for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates CRD.REALTOR — List of all courses offered     Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com   Monica's Facebook Page: Facebook.com/Monica.Neubauer Instagram: Instagram.com/MonicaNeubauerSpeaks   Guest Bio Lynn Madison Lynn is the owner of Lynn Madison Seminars, a full-service training and development company devoted to the advancement of professionalism in real estate.   Formerly Lynn was Vice President and Director of Career Development for The Prudential Preferred Properties in Chicago, a 25 office firm with over 900 associates, where she authored and trained their New Agent Institute. Before that, she held the same position with First United REALTORS®, a local independent with 28 offices. She was manager of two different offices for First United. Prior to that, she was an award-winning salesperson — receiving their Salesperson of the Year honors.   Lynn speaks annually at the NAR conventions and is an ABR®, BPOR, GRI, SFR, SRES®, and SRS instructor and has conducted classes in over 30 states. Lynn's involvement with REBAC goes beyond instructing. She conducts the trainer recertification program for REBAC instructors annually and has authored or co-authored the SFR, ABR® and BPOR courses.   Lynn regularly conducts the New Member Orientation program for many of the associations in the Chicagoland area, as well as Professional Standards and Leadership training sessions for many state and local Associations. She is the Treasurer of Main Street Organization of REALTORS® her local 14,000+ member association.   At the National level, Lynn currently serves on the NAR Professional Development Committee, and the RPAC Participation Council, and has served on Equal Opportunity and Cultural Diversity as well as Professional Standards and Risk Management. Lynn has been honored with two NAR Hall of Fame memberships — RPAC and REBAC.   At the state level, Lynn has served as Chair of the RPAC Fund Raising Committee, Professional Standards Committee, GRI Board of Governors and has served as a member of the License Law Rewrite Task Force, License Law Scope & Structure Working Group, the Equal Opportunity Working Group, Education MIG as well as IAR's Strat Plan and Convention Committees. She is the author of over 20 continuing education classes in Illinois. She has also served on the state Continuing Education Task Force and the CE Curriculum and Instructor Development Subcommittees. As a member of the Illinois Agency Task Force Lynn has been instrumental in the creation and training of new agency policies.   Lynn is ITI certified, a member of the Real Estate Educators Association, was a National Educator of the Year award winner, has received the Educator of the Year award from AIREE, the Illinois real estate educator of the year and REALTOR® of the Year honors from her local association in 2003 and was named the Illinois Association REALTOR® of the Year for 2011.   Lynn's Credentials ■      2016 President Mainstreet Organization of REALTORS®, 18,000 MEMBER ASSOCIATION ■      2011 REALTOR® of the Year — Illinois Association of REALTORS® ■      2003 REALTOR® of the Year — Main Street Organization of REALTORS® ■      Speaker at the NAR Convention since 1993 ■      REBAC Hall of Fame ■      RPAC Hall of Fame ■      Conducts over 250 continuing education seminars annually ■      NAR and REBI Certified to Teach: ○      ABR® ○      SFR ○      SRES® ○      SRS ○      RENE ○      PSA

We're back with our second episode of the month to talk about connecting with people so that you will have clients throughout 2024. We call it filling your pipeline. Many of us focus on getting business. If we can spend time connecting with people with purpose, there generally will be a more steady flow of clients throughout the year. Did you apply anything you've learned from the first episode already? We would love to hear what worked for you! Our email address is in the show notes.   In this episode, we will look at the difference between online leads and live leads and a few marketing tips. February's guest is Janet Judd. She's a 2022 REBAC Hall of Fame recipient, Missouri Real Estate Commissioner, former President of the Missouri Association of REALTORS®, and she has won a number of awards in the business. She is going to give you real actionable tips to help you fill your buyer pipeline for 2024. [3:08] Excellent content on your site makes the difference. Janet gives some great recommendations.    [4:37] Janet hangs on to hits because they picked her. Respond promptly when they contact you. Janet suggests you host virtual tours and webinars on your site. [7:08] Janet pays the website professionals for content, SEO, and marketing of her site.    [10:25] Janet advertises in a neighborhood magazine to 55,000 homes a month. That's generated a few calls that she puts in her pipeline to send a monthly postcard.    [16:47] When her leads start responding more conversationally to her texts or emails, Janet knows it's time to set up a phone call with them to slowly but surely reel them in.   [18:46] Make sure you have testimonials on your website. Ask your clients for a testimonial right at the closing.    [20:29] Janet is a worker bee. She volunteers and works hard. Active listening is one of Janet's superpowers. If you can do that, it makes all the difference.   [22:13] Janet carries a wire-bound index card file in her purse to record notes about new contacts. For Janet, Top Producer is her “second brain.” Find your “second brain” that creates a flow.   [31:30] Be a resource. It creates credibility, trust, and an emotional connection. People decide with their emotions. The educational approach is her focus, now.   [33:50] I'm going to encourage our listeners to go back and listen to Part 1 of this conversation if they haven't already where Janet talks about her system of keeping up with leads and clients.   [34:55] Some states allow incentives or inducements, some do not. Check your state law before offering one.   [36:08] Some agents hold R.S.V.P.-only open houses as a security issue and let only one person come in at a time. Don't share your personal information online.   [38:08] Janet's last word: “You need consistent, excellent service to your existing clients. That's what's going to keep you in the business. … Whatever you do, autograph it with excellence.    [39:11] My favorite takeaway from Part 2 was the reminder that everything we do to improve our visibility will cost us time or money. What was your favorite tip from the 2nd episode? If you missed the first episode about great ways to connect with people in real-time, head back and hear Janet's tips to get started.   [40:25] We're going to be having several months of episodes focusing on tools to help you communicate more clearly, set excellent expectations, and create great experiences. What classes are you planning to take to improve your business? Go to Learning.realtor to find lots of live, virtual, and online classes. Join us in March for more ways to improve your business model and to think a little bit differently. Thanks for joining us! Make some calls, tighten up your system, go out there, and sell some houses! Tweetables:   “You also want to have a call to action on your website so that they know what to do. For me is just ‘Call JJ.' Call Janet Judd.” — Janet Judd   “I truly believe the old ways are coming back again. So print media could be coming back. So I started doing that.” — Janet Judd   “It has to be ‘Janet-proof.' That means I can't break it, it's easy to learn, it's intuitive, I can get to it on my phone, and get that information that I need, right away … before I call them, and get all those notes.” — Janet Judd   “If I can get them on a phone call, I can usually get them.” — Janet Judd   Guest Links: Jane Judd on LinkedIn NARRPR.com REALTOR® Property Resource   Slydial American Greetings digital cards Top Producer® NAR Library Building a Second Brain: A Proven Method to Organize Your Digital Life and Unlock Your Creative Potential, by Tiago Forte   NAR Resource Links NAR.realtor/technologyABR® SRS   Additional Links: Microcourses found at Learning.REALTOR. Use the coupon code PODCAST to obtain 15% off the price of any microcourse!   crdpodcast@nar.realtor Crdpodcast.REALTOR Learning.REALTOR — for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates CRD.REALTOR — List of all courses offered   Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com   Monica's Facebook Page: Facebook.com/Monica.Neubauer Instagram: Instagram.com/MonicaNeubauerSpeaks   Guest Bio Janet Judd Former Police Officer. First female hired by a 55-man department in St. Louis County — in the early '80s. First female elected Class President at the St. Louis Police Academy. That's why I teach the updated and revamped NAR REALTOR® Safety Course via Zoom and in-person. 2022 Chair of NAR's Safety Advisory Council. Presented Safety Topic at the August 2021 Leadership Summit. First Hispanic to be elected President of Missouri REALTORS® and St. Louis REALTORS®. Missouri Real Estate Commissioner. 2023 Triple Play Instructor. 6000+ attendees from New York, New Jersey & Pennsylvania. NAR Appointee to the elite Professional Standards Advisory Council. Janet Judd, CRS, CIPS, GRI, ABR, SRES, AHWD, RENE RE/MAX Results Broker-Associate 2021 President Missouri REALTORS® 2016 Salesperson of the Year Missouri REALTORS® 2015 President St. Louis Association of REALTORS® Hall of Fame Member Realtors® Political Action Committee RE/MAX International Hall of Fame St. Louis Magazine 15-year Five-Star Award Recipient For Client Customer Service www.JanetJudd.com

How is your business growing and flowing right now? I hope you have a pipeline full of clients who are looking right now or planning to buy or sell in the next few months. We know, though, that hope is not a strategy. We need better tools than just hope to get our buyer pipelines filled. We know that a whole lot is happening in the real estate industry right now. We will be having several months of focusing on tools you can use to communicate more clearly, to set better expectations, and to create great experiences for you and your clients. February's guest is Janet Judd. She's a 2022 REBAC Hall of Fame recipient, Missouri Real Estate Commissioner, former President of the Missouri Association of REALTORS®, and she has won a number of awards in the business. She is going to give you real actionable tips to help you fill your buyer pipeline for 2024. As a reminder, this a two-part episode, with the second part coming later this month.    [3:17] Janet is a solo agent in Missouri who has been selling real estate full-time for 38 years. She loves what she does and has a servant's heart for volunteering.  [5:42] You are the product when you're meeting clients. They need to know that you're engaging. You need to be credible and communicate to them the value of doing business with you.  [11:08] Janet discusses an app that let's you call someone's voicemail when you can't chat.  [14:15] For Janet, a pipeline means knowing she will be able to have a buyer close on a property. [15:00] Janet takes the most motivated ones out to show properties. She leads them along the pipeline with frequent contacts and suggestions.  [16:04] Janet has buyers in the pipeline for months. She keeps all her contacts in the loop so they don't run off with someone else. She gets them under a Buyer Agency Agreement as soon as she can.  [21:05] When buyers know what they want, it's easier to define and find it. Then you have to hold their hand and make sure they stay patient while you do your job.  [22:00] Janet discusses the CRM she uses. She also keeps a file folder for every contact in the pipeline with notes. She goes through all the folders each day, making contacts as appropriate.  [27:10] Sometimes you lose an opportunity. Ask people who may be a year from buying how often they want you to contact them. Janet discusses how to motivate them. [29:34] Janet invites people to sign a Buyer Agency Agreement at the first meeting. She writes the agreement for a year. It's a two-way commitment. Don't disappear from view. [33:15] Janet's last word: “I really just want you to understand the fact that you're the product. Help them make that emotional decision to work with you and be excited about the opportunity to work with them and help a dream come true — the American Dream come true.” [34:02] We will be continuing with great education to help you work more clearly and more intentionally with buyers. Join us every two weeks for new episodes and review the past episodes if you need help with specific topics. Thanks for joining us! Go out there, improve your system, and sell some property!   Tweetables: “I've been selling real estate full-time for 38 years. I don't have a team. I'm a solo agent and I still love what I do and definitely have a servant's heart for volunteering.” — Janet Judd “Being a buyer's agent, you've got to dance the way they want you to dance. It's on their schedule. When they call, you've got to pop up!” — Janet Judd “Help buyers to make that emotional decision to work with you; be excited about the opportunity to work with them and help a dream come true — the American Dream come true.” — Janet Judd   Guest Links: Janet Judd on LinkedIn NARRPR.com REALTOR® Property Resource Slydial American Greetings digital cards Top Producer® NAR Library NAR Resource Links NAR.realtor/technologyABR® SRS   Additional Links: Microcourses found at Learning.REALTOR. Use the coupon code PODCAST to obtain 15% off the price of any microcourse! crdpodcast@nar.realtor Crdpodcast.REALTOR Learning.REALTOR — for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates CRD.REALTOR — List of all courses offered Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com Monica's Facebook Page: Facebook.com/Monica.Neubauer Instagram: Instagram.com/MonicaNeubauerSpeaks Guest Bio Janet Judd Former Police Officer. First female hired by a 55-man department in St. Louis County — in the early '80s. First female elected Class President at the St. Louis Police Academy. That's why I teach the updated and revamped NAR REALTOR® Safety Course via Zoom and in-person. 2022 Chair of NAR's Safety Advisory Council. Presented Safety Topic at the August 2021 Leadership Summit. First Hispanic to be elected President of Missouri REALTORS® and St. Louis REALTORS®. Missouri Real Estate Commissioner. 2023 Triple Play Instructor. 6000+ attendees from New York, New Jersey & Pennsylvania. NAR Appointee to the elite Professional Standards Advisory Council. Janet Judd, CRS, CIPS, GRI, ABR, SRES, AHWD, RENE RE/MAX Results Broker-Associate 2021 President Missouri REALTORS® 2016 Salesperson of the Year Missouri REALTORS® 2015 President St. Louis Association of REALTORS® Hall of Fame Member Realtors® Political Action Committee RE/MAX International Hall of Fame St. Louis Magazine 15-year Five-Star Award Recipient For Client Customer Service www.JanetJudd.com