Podcasts about Disc

The JBP opens its latest episode with a review of J. Cole's double album 'The Fall-Off' [Disc 29](19:09) and [Disc 39] (59:25). Additionally in new music, Ella Mai drops a new project along with a deluxe from Sasha Keable (1:39:05), GloRilla's sister says that she doesn't provide for her family (1:47:48), and the room shares their list of people they don't trust when they speak (2:19:00). Also, LaRussell signs with Roc Nation leaving fans and the cast split on his decision (2:28:15), the latest on Savannah Guthrie's missing mother (2:49:18), Marc shares a recent story involving Morris Brown's President Dr. Kevin James (2:56:25), and much more! Become a Patron of The Joe Budden Podcast for additional bonus episodes and visual content for all things JBP! Join our Patreon here: http://www.patreon.com/joebudden 

Learn how to fix your pain with our “Centralization Process” here! https://rebrand.ly/ytpainfreeSubmit an application to work with us 1:1 and learn how to fix your low back! ⁠www.therehabfix.com/low-back-program⁠To view hundreds of free low back videos please follow us on instagram at @rehabfix ⁠www.instagram.com/rehabfix⁠If you feel a sharp “lightning bolt” of pain in your low back or shooting down your leg every time you cough or sneeze, this is not normal, and it's not just allergies.That pain is one of the most common signs of a disc herniation or disc irritation in the low back.In this episode, I break down exactly why coughing and sneezing make disc pain worse, what's happening inside your spine, and walk you through a simple 3-step process designed to reduce disc pressure, protect the nerve, and help the disc heal instead of re-injuring it over and over again.

This Week on The Hudson Valley Disc Golf Podcast: Alex, Corey, Evan, Jaimen, Tim, Randy and Erich join to recap the New York Team Challenge neutral match between the JPark Wrenches and Chatham Hill Country Club played at Stephen P Wallace Park. We also dream of snowless days as we look ahead to some of the upcoming events in the area. We finish it up with a round of Disc or No Disc.Support the showSpecial Thanks to our Patreon Supporters: Branden Cline, Tim Goyette, Peter Hodge, Ryan Nelson, Kevin T. Kroencke, Brian Monahan, Corey Cook, Evan Parsley, Mark Bryan, Nick Warren, Jasan Lasasso, Justin Mucelli, Terry Hudson, Kyle Hirsch, Brian Bickersmith, Sparky Spaulding, Mike Schwartz, Erich Struna, William Byrne, Jeff Wiechowski, Sean Dollard, Jack Bradley, Marcia Focht, Justin Hickok, Troy Vassari, Erik Haenel and Ross O'Toole.

Charlie Eisenhood and Josh Mansfield discuss various elite series and major records, streaks, and achievements, and the likelihood that they get surpassed in 20260:00 Super Bowl Picks5:30 Broken Records: Wins & Ratings16:00 Broken Records: Earnings & All Time Cash31:00 Broken Records: Round & Event Ratings42:45 Wild Streaks

Blake Winston Rice joins She's All Over the Place to discuss the world premiere of his latest short film DISC at the 50th Toronto International Film Festival. Blake is an award-winning writer-director whose breakout short Tea premiered in competition at the Cannes Film Festival, with Patty Jenkins serving as Executive Producer. Since Cannes, Tea has screened at 13 Oscar-qualifying festivals, earned multiple awards, and is now a Vimeo Staff Pick streaming on Kanopy. In this conversation, Blake breaks down: The making of DISC, starring Jim Cummings (Thunder Road, The Wolf of Snow Hollow) and Victoria Ratermanis (Oscar-nominated A Lien) Crafting intimate, character-driven stories under pressure Navigating festival premieres at Cannes and TIFF Transitioning from actor and comedian to narrative filmmaker DISC is a sharp dramedy about connection, vulnerability, and the unexpected intimacy that emerges after a one-night stand—featuring an original score by Grammy-nominated Kevin Garrett (Beyoncé's Lemonade). Stay connected with the filmmaker: https://www.instagram.com/blakewrice Stay connect with me: https://www.instagram.com/shesallovertheplacepodcast/  

In this episode Victoria continues the exploration of leadership through the lens of the High Potential Trait Indicator (HPTI), building on the foundation laid in Part One.The conversation focuses on three critical leadership traits: Risk Approach, Ambiguity Acceptance, and Competitiveness — how they show up in individuals, teams, and organizations, and what happens when these strengths are overplayed. Through real-world examples, candid self-reflection, and DISC personality parallels, Victoria and Heather unpack how leaders navigate uncertainty, make decisions, manage conflict, and balance ambition with collaboration.The episode also introduces the concept of leadership derailers — the ways our greatest strengths can turn into liabilities when taken too far. By walking through common derailment patterns like perfectionism, aloofness, excessive caution, and passive resistance, listeners are invited into a practical and compassionate discussion about self-awareness and growth.This episode reinforces that leadership isn't about perfection or titles — it's about learning how to adapt, evolve, and lead effectively in everyday moments, both professionally and personally.Episode Timestamps00:00 – Facilitating opposing viewpoints: why more than one thing can be true00:00:32 – Welcome to Discovering You: Where Personality Meets Possibility00:01:00 – Mood check-in and DISC color conversation00:02:15 – Personal context and emotional awareness in leadership00:03:00 – DISC explained through a football analogy00:03:30 – Recap of HPTI and leadership traits from Part One00:04:00 – Trait #4: Risk Approach explained00:04:30 – High vs. low risk approach and DISC connections00:05:00 – Why risk approach matters in leadership00:05:30 – When high risk becomes a liability00:06:00 – How risk approach shows up in teams and groups00:07:00 – Personal reflections on risk tolerance and decision-making00:08:30 – Trait #5: Ambiguity Acceptance defined00:09:00 – Organizational culture and ambiguity tolerance00:09:30 – Leadership performance under uncertainty00:10:00 – The dangers of excessive ambiguity acceptance00:10:45 – Real-world facilitation examples and collaboration00:12:00 – Overplaying strengths and adaptability in business00:13:30 – Trait #6: Competitiveness explained00:14:15 – Healthy vs. unhealthy competitiveness in leadership00:15:00 – Individual and team dynamics around competition00:16:00 – Competing with others vs. competing with yourself00:18:45 – When competitiveness influences participation and motivation00:19:00 – Leadership derailment: when strengths become risks00:19:30 – Overview of the 10 common leadership derailers00:21:00 – Self-reflection: identifying personal derailment patterns00:22:30 – Perfectionism, excessive caution, and leadership awareness00:23:00 – Growth, coaching, and leadership beyond titles00:24:00 – Closing thoughts and how to learn moreIf you're interested in learning more about team building, coaching, strategic hiring and onboarding, let's connect!discoverwhatworks@gmail.com

In this packed episode, Alex, Erich, Evan, Corey, Tim, Jaimen and Randy braved the "drifty" 13 to 18-inch Hudson Valley snowfall to look back at a massive year of growth and look forward to what 2026 holds for the local scene. We officially crown our 2025 Players of the Year in the FPO and MPO divisions, recap both Nine Pin Cider Putting League Week 3 and Fence Road Farm Brewery Winter Putting League Week 1, and wrap things up with one of the most chaotic rounds of Disc or No Disc yet.Key Takeaways & Highlights:The 2025 Honor Roll: Using Justin Michelli's multi-metric "weighted" spreadsheet, we reveal the FPO and MPO Players of the Year. Is it a consensus, or is there a debate?2026 New Year's Resolutions: From Alex's road to AmWorlds to Tim's quest for a "healthy" season and a backhand turnover, the guys lay out their quantifiable goals for the coming year.Course Talk: Updates on the back nine at OKDGC, the Greg Kurtz "Workday" philosophy and Tim gets the spreadsheets he's been waiting for.The Big Quiz: A high-stakes "Disc or No Disc" featuring everything from mythology to the Halo franchise and a very specific demon from the movie Dogma.Note: Nine Pin is taking a week off on February 2nd, but they'll add that week to the end of the season!Note 2: This episode description was written with the help of Google GeminiSupport the showSpecial Thanks to our Patreon Supporters: Branden Cline, Tim Goyette, Peter Hodge, Ryan Nelson, Kevin T. Kroencke, Brian Monahan, Corey Cook, Evan Parsley, Mark Bryan, Nick Warren, Jasan Lasasso, Justin Mucelli, Terry Hudson, Kyle Hirsch, Brian Bickersmith, Sparky Spaulding, Mike Schwartz, Erich Struna, William Byrne, Jeff Wiechowski, Sean Dollard, Jack Bradley, Marcia Focht, Justin Hickok, Troy Vassari, Erik Haenel and Ross O'Toole.

Setting up an IC-DISC the right way can mean the difference between maximizing tax savings and having issues down the road. In this episode of The IC-DISC Show, I sit down with Brian Schwam, IC-DISC specialist and tax attorney, to walk through the complete IC-DISC setup and compliance process from start to finish. This conversation was inspired by a CPA request for a comprehensive guide covering every step of the IC-DISC journey. Brian breaks down the entire process chronologically, from the initial consultation to determine if a business qualifies, through the critical formation steps that can make or break your IC-DISC. We cover proper capitalization requirements, the infamous 90-day election window, why non-interest bearing bank accounts matter, and the draconian 60-day payment rule that catches many businesses off guard. He explains the difference between simple and transaction-by-transaction calculations, sharing an example where detailed analysis increased a client's commission from $4 million to $17 million on $100 million in export sales. Whether you're a CPA learning about IC-DISC for the first time or a business owner considering this strategy, Brian's systematic approach demonstrates why working with a true specialist matters when navigating these complex regulations.     SHOW HIGHLIGHTS A detailed transaction-by-transaction calculation increased one client's IC-DISC commission from $4 million to $17 million on the same $100 million in export sales. Missing the 90-day election filing window requires a private letter ruling costing $35,000-$40,000 to fix, making it cheaper to just set up a new IC-DISC. The 60-day payment rule requires paying at least 50% of your estimated commission in cash or promissory note within 60 days of year-end to avoid disqualification. Setting up an IC-DISC with no par value stock is a fatal error that will cause the IRS to reject your election, regardless of everything else done correctly. A non-interest bearing bank account is essential because even $1.50 of interest income can disqualify your IC-DISC if no commission is paid that year. Export sales typically need to reach $3-5 million before an IC-DISC makes economic sense, though exceptions exist for businesses with exceptionally high profit margins.   Contact Details LinkedIn - Brian Schwam LINKSShow Notes Be a Guest About IC-DISC Alliance Brian SchwamAbout Brian TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Good morning, Brian. Welcome to the podcast. Brian Hey, good morning David. Good to be here. Dave: So I, I now refer to you as the Bob Hope of the podcast because I believe that Bob Hope holds the record for the most appearances on the Johnny Carson Show. So that's why you're like the Bob Hope of the podcast. You have more appearances than anyone else with today's appearance. Brian That's good company to be in if you're of a certain, if you're of a certain age. Dave: Yeah. And I'm not even sure you and I are quite old enough to even be of that certain age. Brian I probably never saw him on Johnny Carson. Dave: Yeah, me too. So this is an episode that was requested by a CPA of one of our clients who was retiring and he had a new. Partner taken over and he said, Hey Dave, can you send over a link to the episode that just goes through all the details of the IC disc from start to finish? And I'm like, well, we don't have that episode, but it's a great idea. So that's what's behind this. So let's start at the very beginning. Somebody calls you up and says, Hey Brian, I need an IC disc, or I want an IC disc. What's the very first step? Brian Very first step for me is to say why. Dave: Okay, Brian tell me about your business. Dave: Okay. Brian You know, do you have qualified export receipts? Do you have qualified export property? That those are very complex areas. And some people might think they do when they don't, and others might think they don't when they do. Dave: Okay. Brian And more likely than not, they heard about IC disc from. Somebody they met at a, you know, business leader meeting or something and somebody said, oh, hey, I have an IC disc. You should have one. Dave: Okay. Brian And not everybody can utilize one, but there's many out there that can utilize 'em that do not. Dave: Okay. And do you charge anything for that consultation? Brian No, because to me it's just a fact finding. Dave: Okay. So step one, figure out if their fact pattern warrants having an IC disc. Brian Right? Right. Well, it's, it's actually, that's one step. If you deter, if we determine that yes, an IC disc makes sense because they do have qualified export property, they do have qualified export receipts, then we have to talk about volumes. Because, you know, if you have 500,000 of export sales, most like more likely than not. Disc isn't gonna make sense. Dave: Economic sense when Brian you factor Right. Economic, the Dave: costs Brian not right. There's not enough benefit to offset the cost at that, at that level, most likely. Of course. It [depends on what, what it is they're selling. Dave: Sure. Do you have a rule of thumb you typically use? Is it like three or 5 million where it typically makes sense or every case Brian For most, for most businesses, that's sort of the range that where it starts to make sense, but there are always exceptions to that. Dave: Sure. Brian So like I had a client that had, you know, 600,000 of export sales, but their bottom line profit was 80%. Dave: Okay. Brian So in that instance, hey, it made sense, but for most companies that have 600,000 of export sales, it, it probably doesn't make sense. Dave: Okay. So let's say they have 5 million of exports, good margins, looks like it makes economic sense. What's the next step then? Brian Well then we talk about what is the tax structure of that exporting company? Is it a flow through entity? Is it a C Corp? And how is it owned? Sometimes [00:04:00] it's owned by a foreign company that makes things way more complicated. Okay. It's owned by a combination of different shareholders, some of which are individuals, some of which are corporations. So that can be complicated. And sometimes it's just a, it's just a pass through entity that's owned by, you know, let's say it's an S corporation that's owned by a family owned. Dave: Sure. Brian You know, so you, you can have a lot of different fact patterns and that will dictate a lot of things with, with respect. Dave: Okay. Brian To how the disc is organized. Dave: Might that also be the time? You inquire as to whether multiple discs might make sense for their structure, or do you typically just focus on kind of getting the initial disc in place and then exploring that over time? Brian Probably the latter. Dave: Yeah. Brian Initially I, you know, the goal is, you know, do you have enough activity? Do you have the right kind of activity? What kind of benefit is it that you think you can, we can get for you? And then, okay, if the answer to all those are in the positive, then it's like, okay, how should this disc be owned based on what we're trying to achieve and where should it be set up? Because that also can have a lot of negative surprises if you set it up in the wrong place. Dave: Yeah. So let's say and I think there's some rules of thumb like if if the. Exporting company is a C corp, you typically don't want the C Corp to own the disc, is that correct? Brian That is, that is correct. And that's because a C corporation pays tax on a dividend. It receives from the IC dis, so effectively there's no benefit. Dave: Okay. So with a C corp, typically it would be the individuals, individual or [individuals that Brian are Oh, the, the shareholders typically, Dave: yeah. Brian You know, possibly a management group could be involved as well, but typically we're talking about the shareholders of the C corporation. Dave: Yeah. And the shareholders of the disc do not necessarily have to mirror the shareholders of the C corp. Right. Brian That is sort of up in the air. I, I prefer that to be the case, but it doesn't have to be the case. Dave: Yeah, like in a simple example, census C Corp owned by one person and when they set it up, they wanna add a couple key employees to it. Brian Yeah. That, that, that's probably fine. You know, there's some old revenue rulings out there from the early 1980s that have a bad fact pattern, which the IRS held that the structure created gift tax issues, but that was like a mom and a dad and a son and a daughter, and mom and dad set up a disc and then gave the stock to the son and the daughter. And, and so that, that's, I see that's a bad fact pattern. What you described is a completely different fact pattern. There's no donative intent in that fact Dave: pattern. Yeah. Okay. In Brian fact, that I have a client that started out where the disc and the C Corp was. It did have mirror ownership, but over time, that has changed dramatically. But still, there's no donor of intent because we have all these unrelated families that own shares in the company in this quote company. And when there have been redemption opportunities over the years, they have the choice redeemed, the disc shares redeemed. The, the C corp shares redeemed them both. So some of like kept their dis shares, but gotten rid of the C Corp shares and vice versa. But really without the donative intent, plus some court case you know, precedent, I, I'm not [00:08:00] so concerned about that issue. Dave: Okay. Now let's switch gears and let's say it's a flow through an S-Corp partnership et cetera. Do you typically want the individuals to own it in that situation? Say that the company has three shareholders, would you just make them the three owners of the disc? More often than not, no. Okay. And why is that? Brian Because it, you get the same benefit by making the disc a subsidiary of the S corporation without some of the extra complexity associated with having the disc be owned by the shareholders. Now that, that's, that's preferred, but there are also situations where that doesn't make sense. Dave: Okay. Brian So let's say the, the S corporation is in California and the shareholder lives in Texas, or Florida. Or Nevada. Dave: Okay. Brian So they might want that dividend income flowing directly to them so that there's [00:09:00] no state Oh. So that there's no state income tax on the dividend. Dave: Sure, sure. Brian Okay. Okay. Yeah. So again, it's just another fact you need to uncover in the process of trying to figure all this out. Dave: Okay, so you've met with the client, you've figured out a disc makes sense, you've dug further you figured out the ownership structure of the disc. That makes sense. So then I guess you have to figure out where to incorporate, huh? Brian Yeah. And that again, there are good states and bad states. Dave: Okay. Brian Some states will tax an IC dis as a regular C corporation, you wanna avoid those states. Some states don't have an income tax at all, and those are good states to deal with. Dave: Okay. Brian And the three, you know, I'd say there's three states that are predominantly viewed as positive, and that would be Delaware, Texas, and Nevada. Okay. They're all fairly similar. For filing. And, and none of them have a corporate income tax on the dis so that's, that's all good in terms of not adding additional costs to the, the structure. Dave: Okay. So I'm in Texas and thus you, it seems like most of my clients end up incorporating in Texas. Do you just so here we are January 8th. We're recording this of 2026. So do you just do you just get around to doing it anytime before the end of the year and then you could use the disc the whole year? Is that how it works? Brian It's not how it works. It's generally a prospective opportunity. So you wanna get that entity formed as quickly as possible. Dave: Okay. Yeah. I've had people, I've heard [00:11:00] people say that if you don't do it on January 1st, you just have to wait till the next year. Brian No. That, well, that's certainly not true. And from any date forward that you set it up, you can certainly get benefits or shipments. Okay. That they, but one other item that I forgot to mention earlier, they also like to ask if the, if the related supplier entity, which is the exporter, if they're an accrual based company or a cash basis, Dave: ah, Brian that's an, that's an incredibly important issue Dave: Sure. Brian Dealt with. That's why. Dave: Okay. Brian Because the disc is an accrual base taxpayer by default. Dave: Yeah. Okay, we'll get into that when we get further around the, Brian okay. Dave: I think about when I was a kid, there was a, there was a Saturday morning TV series I think called schoolhouse Rock. And one of the episodes was how, how a bill becomes a Law [00:12:00] And there's the whole steps, the Brian episode, everybody remembers. Dave: Yep. Yep. So everybody our age at least. Okay, so you've got the disc set up and say you do it in Texas and let's say they make the decision January 8th, takes a few days to, you know, just kind of get stuff, you know, information from the client set up. And let's say you get it set up January 15th, so then they're good to go, huh? They can just start using that disc and away we go. Anything else? Ha. That has to be done Or is it, is it that some Brian on the, on the surface, yes, that's true. Dave: Okay. Brian But beneath the surface, there's other things that have to take place. Dave: Okay. What's the next thing that has to happen after you've formed the disc? Brian Well, you have a, there's a 90 day window to file a disc collection with the IRS. That's probably the most critical thing that has to happen. You have to file an actual paper form with the IRS to elect disc status for the company, because the company, when you set it up, it's just a corporation. Without that election, it's not a disc. Dave: And that election, is this the famous form 48, 76 dash a, is that said election, Brian famous or infamous in some cases, Dave: yes. Yeah. Okay. So you have to, so you just well, you just go to the IRS website. Download the form, send it in, bing, bam. Boom. You're done. You're good to go. Brian Not exactly. Dave: Okay. That's the Brian first Dave: step. Brian Skip. That's the first step. But the I mean, first of all, when you're setting up the disc, you have to make sure you incorporate it properly. Dave: Okay. Brian I kind of glossed over that. Dave: And what are some of the elements of proper incorporation? Brian Well, for example, when you go to a, the Texas website or any other secretary of State website to organize the company, because it can be done all online, [00:14:00] like the default is always, you know, no par value stock, right. Brian If you just select the default, you are going to have a problem because Okay. Dis rules require, you know, par or stated value of $2,500 on the, issued an issued an outstanding stock of, of the disk. So I had a client that came to me years ago. They had set up a company in, well, they used Wyoming, which is also possible to use, and it's not a bad jurisdiction. And they had, he had his quote unquote friend that who was an attorney, set it up for him. And there were some issues with the DISC collection and it went back and forth and then ultimately took a look at the articles of incorporation and it had, you know, $1 power stock, 1000 shares. Dave: Ah, that's a problem. Brian That's, [00:15:00] yeah. So no matter what happened with the disc election and the back and forth with the IRS, the disc election was ultimately never approved because the entity didn't meet the requirement. Having enough outstanding capital stock. So you have to have one and it can only have one class of shares. So there are, you know, there are some hoops you have to jump through in terms of not doing things incorrectly or doing things correctly. So you have to make sure there's one class of stock, $2,500 par value. There can't be foreign sales corporation in the same patrol group, which years ago was a big deal, but now it's not really a big deal because those have been gone for many years and almost nobody has one left. Not, not really an issue there. And what, you know, those are the formation matters that, that mattered, that are important to make sure you, you meet when you form the entity. Okay? If it's formed wrong, right from the get go, you have a problem. If [00:16:00] it's formed correctly, then the next step is yes, file a disc election. Dave: And, but before you file the disc election, there's a step we're missing, right? Doesn't the DISC election require. To put the corresponding EIN for the distance. Oh yes. I mean, I just assumed we, yeah, you obviously you have to apply for an ID number for the new entity that does not come automatically with the incorporation. Brian 'cause that's done with the state as opposed with the IRS yes. Dave: Yeah. And that's become more challenging. It used to be pretty easy to get an EIN you could apply under a corporate name or Brian yeah. But there, there's a, you know, there is an online portal with the IRS to get an EIN for a domestic company. So it's not, it's not Dave: terrible. Yeah. Brian It's not terrible. Dave: Yeah. So you have the EIN that you need for the 48 76 ae. Brian Right. Dave: You have you have 90 days, Brian you have the proper capitalization. Dave: Yeah. Brian You figured out who's gonna own the disc because the, the disc collection is. Signed, you know, it's not just made by the disc entity. It's made by the disc entity, then consented to by the shareholder. So you have to make sure that all that takes place. I can't tell you the number of times where somebody filled out part one, the disc signed it, and then the shareholder forgot the consent to it. And if you don't do the 48 76 dash eight correctly, you get it filed timely. It's an extremely expensive fix to try and get that Dave: rectified. Brian Generally, you have to try to get a private letter ruling, which will grant an extension of time to file the late disc collection. Dave: Okay. Brian And that's that's an expensive process. It's a 25 to $30,000 exercise to [00:18:00] file the private letter, really. Plus you have to pay a user fee to the IRS of 10,000, 11,000. Dave: Wow. Yeah. It seems that seems inconvenient at, at best. Brian And for most companies, they're better off just setting up a second dose Dave: Sure. Brian As opposed Dave: to process, Brian because how much volume there is. Dave: Yeah. Yeah. And I understand the IRS itself refers to these as a, a paper entity. So I guess since it's a paper entity, that's it. No need to fuss around with a bank account or actually have to capitalize it with actual money is there. Brian It's, it's recommended, but you're right, it's not required. There's no requirement in the disk rules to set up a bank account. Dave: Okay. Brian So there it could simply have. A receivable receiv for the capital stock. And that can be, its working capital doesn't have to have a bank account, but that's sort of a misnomer that people think it must have a bank account. Okay. In the original regulations, that was a requirement, but when the regulations are finalized, the requirement was removed. Dave: Okay. But practically speaking, it you probably wanna have a bank account. Brian Yes. Practically speaking, it makes all the sense in the world to have a bank account, a non-interest bearing bank account. Dave: And why is the non-interest bearing important? Brian Well, it, it has to do with one of the annual requirements of a disc. That 95% of its receipts have to be qualified export assets. I'm sorry, receipts. And so let's say in a year the company decides. You can't always decide not to use the DIS even though you've got it in place. So let's say the company says, well we're not gonna use the, this year we had a loss. In our business there's no using. Dave: Okay. Brian We say, okay, and then the DIS bank account earned a dollar 50 of interest income. Dave: Okay, Brian well 100% of the receipts are now not qualified receipts. Okay. Income and no other revenue. If there was a non-interest bearing bank account, it would just have no receipts and then it would be fine. But the earning, the dollar 50 of interest would disqualify that. Dave: Okay. So non-interest bearing account and then I guess the dollar amount in the bank account, what you start with, $2,500 initially. Brian Yeah, pretty much keep it there forever. Dave: But, but it doesn't matter if you end up, oh, if you're a little lazy and you forget to distribute all the money and you end up with 50 grand at the end of the year, that, that's not a problem, is it? Brian It is. Dave: It is. Everything's a problem Brian with you, Brian, because everything, 'cause the, these rules are draconian and everything can become a problem. So a commission dis anyway, a comm, [00:21:00] you know, a paper entity commission dis doesn't need $50,000 of working capital. And the IRS would hold that, that that's not a qualified export out. Like having too much working capital in DIS will cause it to fail. The other test, which is the 95 qualified export asset test 2,500, you know, an amount of cash equal to the capital stock is fine. Dave: Sure. Brian Amounts above that start to, you know, raise questions as to whether. That's reasonable working capital or not? Given that the entity's a paper entity, it doesn't really have any expenses. Maybe some bank fees. That would be about it. In most cases, it really doesn't need cash sitting. Dave: Yeah. Yeah. So maybe 3000, 3,500 to account for some bank fees or, Brian yeah, at most, yeah, we start getting about 5,000. It really starts to [00:22:00] look questionable. Dave: Okay. Oh, I just realized, I think in the initial assessment there was a step we forgot and that's, do they want to make it a buy sell disc or a commission disc? What percentage of your clients are commission discs? Mine a hundred percent. That's Brian 99%. Dave: Yeah. So we're just stepping ahead assuming that it would be a commission disc, Brian right. I mean, the only time you would really have a buy sell disc. 'cause if you have a business where. They're buying inventory from unrelated parties. And all the inventory is manufactured in the US and all of it is export. Dave: Yeah. Brian Okay. That, that, that I do have, like I said, two clients that have adopted that structure. One was commissioned disc with an S-corp and they converted, they merged the S-corp into the disc and just became an operating disc. You know, and that's a little different than a buy sell disc. I mean, an operating disc. People think of buy, sell dis an operating disc for the same thing. They're really not. I mean, 'cause you could have a, the equivalent of a commission disc, but have it be by sell where it could buy product from its related exporter and then export it. Dave: Okay. Brian It's possible that, that, that tho that fact pattern, I don't have any clients in. Dave: Okay. Brian It's possible. Dave: Okay. So we've got the election filed and then at some point the IRS will send the taxpayer letter approving the election, right? Brian Correct. That is, that was true. Dave: And then so we've got the, the B and usually it makes more sense to have the disc bank account at the same bank as the operating company, right? Brian It typically does, Dave: yes. Yeah. And we'll get into that when we get further into the operation of the disc. Okay. So it's all set up. And elections filed, election approved. So now certainly we're done with incorporation and government governance matters, right? Brian No. No, Dave: not yet. Brian Not yet. Not yet. Okay. We still have to make sure there's a a call, a related supplier agreement or disc commission supplier agreement in place between the, the exporting entity or entities and the disc itself. This document is, it's not, again, it's not required in the regulations, but it is recommended. It gives the related supplier a lot of flexibility in how it uses the disc and if it uses the disc and it gives it unilateral powers to decide not to use the disc. It also lays out the, you know, sort of boil legal boilerplate language about an inter intercompany agreement between the two business. Dave: So you could just go to chat GPT and have them spool up a one page sales agent agreement. Is that right? Brian Maybe. I don't know. I haven't tried that 'cause I don't wanna teach chat GPT how to, how to do that, but because every time you ask it a question, you teach it, right? Dave: Sure. Brian General, no, it's a pretty specific agreement and it has very specific provisions in it. Provisions and so somebody that knows what they're doing really needs to draft them. Dave: Okay. Okay. So this is kind of pointing away from just having your general corporate attorney who's never heard of a disc, do all that quote paperwork. Brian Yeah. I never recommend. I always recommend that a specialist do it, namely myself take care of it. Dave: Okay. Yeah. 'cause you are, in addition to having an accounting background, you're also a tax attorney, correct? Brian Correct. Dave: Correct. Okay. Brian Yeah. And you know, some of the documents that need to be created, yeah. That can be done by a general corporate attorney like bylaws and those as well and or other organizational documents that aren't disc specific can only be done by any attorney. But but if, but really it doesn't make sense to split that work up amongst different attorneys. Dave: Okay. Sure. Brian It all sort of be done by the same party to make sure that it's, that everything gets taken here. Dave: Okay. Brian And timely because there's a 90 day window to get this, in my opinion, to get this all done. Dave: Yeah, to co to coincide with the election filing. Brian Right. Because typically I don't provide any of the documents, including the election, to the, to the client until all these things are done. Dave: Yeah. Oh, I see. Sure, sure. Because then there's, Brian you know, they have to sign the disc election and there's all these other documents they need to sign and put in a minute book. And so rather than piecemeal it, we just give it to them all at once. Dave: Okay. So they've got their binder with all their signed documents or a signed copy of the 48 76 A that was filed a copy of the approval from the IRS. So now finally, are we ready to get started using our disc? Is there. Brian Collection the I. Yeah. As you've probably seen in the news, things are changing at the postal service as far as postmarks and what they can be relied on as when something was considered filed. So they're not promising the postmark things that they, you drop them in the mail anymore. Dave: Oh, really? Okay. I hadn't heard that. Brian Yeah. So it's recommended to go, like, walk it to a counter and have it hands stamped with [00:28:00] a postmark. Yeah. But more importantly, and unfortunately not everybody listens to this, send the form certified mail return receipt requested. 'cause many times document is sent to Kansas City and they lose track. Oh, we never got your dis election. We can't process your dis return, whatever. And then there's proof that it was sent and then they have to, you know, find it basically. Dave: Okay. Or Brian at least accept it, maybe even if they never find. Dave: Yeah. Brian But there's one other thing about the disc and that we didn't talk about and, and I'm reminded of it because something you asked me in passing last week, which is something about the year end of the disc, the year end of the disc must coincide with its principal shareholder. So if I have a C corp that's a fiscal year, but the owners of the disc aren't gonna be [00:29:00] individuals, that disc will be a calendar year disc. Dave: Sure. Brian Not be a fiscal year company. And you know, if. It's owned by, let's say an S corp that has a fiscal year, then the disc will have a fiscal year. It, it must have the same year as its principalship. Dave: Okay. Yeah. Good. Thanks for the reminder of that. Brian And sometimes the disc collection gets filled out incorrectly. Somebody assumes one thing and, and then when a return is filed, the IRS, they're like, they, they dunno what to do. Yeah. Yeah. Okay. Alright. Now finally, do we have a little bouncing baby disc to be delivered to its proud parents? I think so. Dave: Okay. Okay. Okay. Brian And that's usually, it's usually about three to five months after it was formed. Dave: Okay. Brian Is when it started eating solids. Dave: Okay. Alright, so now we've got the disc set up and 9:45 AM I'm, I'm sorry, I keep touching my watch and it says the time, apparently it's time to just take off my watch. Okay. So now, so let's just say that they have not yet set up the bank account. They've done everything else, and now it's time to set up the bank account so they, you know, call their local banker. They get it set up at the same bank, so it can be on the same online banking platform. And then they fund it. And does it matter where the funding comes, comes from for that bank account? Can they just like say the company. I mean, can just anybody fund it? Say there's three shareholders, can just one shareholder write a check for $2,500 to fund it? Or how does that all look? Brian Well, I mean, there, there will be a subscription agreement that shows how much each shareholder owes for their shares, and each shareholder should pay for them. Okay. Can't just be one. Dave: Okay. So we have the bank account set up, we're ready to go. And so now we're at the end of the year, or approaching the end of the year. Let's say we're in November of 2026. Anything we need to do before the end of the year Brian for an accrual based taxpayer? No. Okay. There's nothing paid to do, but before the end of the year. Dave: And what about for a cash basis? Brian For a cash basis, taxpayer, if we want a deduction in 2026. We need to pay the DIS in 2026, so Dave: we Brian would need to gather information in order to estimate a DIS commission for 2026 before the end of the year. Dave: Okay. So cash basis, that's what we need to do by the end of the year. Accrual basis. Basis, no. Do I need to do [00:32:00] anything by the end of the year? Brian You don't need to. You have an option to, if you'd like to, if you wanna have an idea of what the disc commission might be, or you actually wanna pay it before the end of the year, but there's no requirement. Dave: Yeah. And if you don't, and if you don't pay it by the end of the year, you get a deferral benefit Brian possibly. Dave: Yeah so say, say you did a hundred million of exports and your commission was $20 million. You just get to defer that whole thing till the next year, right? Brian No, Dave: no. Brian, all you say is No. Every good idea have you just say No. Brian It could defer 10% of it to the next year because only the income related to 10 million of export sales can be deferred, and it'd be a little less than 10% because the disc wasn't there the whole year. So we'd have to prorate that 10 million for the number of days the disc existed. And then some sliver can be deferred, but the rest of it is gonna be taxed to the shareholders as a deemed dividend Dave: in the current year. In the Brian current. Dave: Okay. Brian Then not taxed when physically distributed in the following. Dave: Okay, so we have an accrual tax payer. We get into the to 2027, and let's say they're extending their corporate return and they're planning to file that in August of 27. So we're done. We don't have anything else to do before August. Right? Brian That's not true either. Dave: Brian, Brian you're Dave: killing me. Brian Yeah, well, it, I mean, it depends. If nothing was done before the end of the year, then something needs to be done within the first 60 days after the accrual base taxpayer. Or, you know, let's say the cash base taxpayer says, I don't [00:34:00] care if I get my deduction next year, so I'm not gonna pay anything this year. Something needs to be paid at this within 60 days of the end of the year. Dave: So is this one of those things like the sales agent agreement, that that's just recommended? Brian No, this is required. Dave: Required. Okay. Brian Yeah. This is required. This is, this is one of the hot buttons the IRS will try to use to disqualify your disc. Dave: Okay. Brian So the disc accrues a receivable at the end of the year, even though it doesn't know the amount at the end of the year for all, for, for disc purposes and books an an accrual for the income at the end of the year. That accrual or the receivable is only a qualified export asset if, if the payment rules around that receivable or satisfy. Dave: Okay. Okay. Brian One Dave: rule Rules. Rules. There's always rules. Brian Yeah. It's very draconian. You have a 60 day rule and a 90 day rule. 60 day rule says you must pay a reasonable estimate of the disc commission to the disc within 60 days of the end of the year in cash or. It could be cash, it could be a note. Dave: And reasonable is just any old amount. You just put your finger in the air and ah, I think a hundred dollars is reasonable. Brian Again, that's not the case. There is a safe harbor for what is reasonable, and that safe harbor is f at least 50% of the final commission amount that you Dave: determine. But how do you know that in February Brian you have, Dave: if you're not preparing the corporate, Brian you have to try to compute an estimate before the end of FE Dave: and you have to nail it exactly at 50%. So if you think the commission's gonna be $1,217,412, you need to pay exactly 50% of that, Brian at least. [00:36:00] Dave: Oh, at least. So you could pay more. At Brian least you could pay more. And we always recommend maybe paying 75 to 80%. Dave: Okay. Brian Because if you pay whatever you pay. That amount is gonna be your limit. So if you thought it was gonna be a million and you paid 500,000 and it turns out to be 1,000,500, too bad. So sad, you only paid 500,000, you're capped at a million. Dave: Okay? I mean, that's the safe harbor. I suppose there might be circumstances where, where one could argue that they maybe the first year of the disc, and you know, they, they, Brian you can argue it, you can try to argue it, but there's no guarantee that the IS will accept any of the arguments. And the private letter rulings that exist from the 1970s would imply that they, they're really not going to accept just about any rationale for being reasonable other than that 50% bright [00:37:00] line safe harbor. Dave: Okay so you make the payment, Brian make that payment, and. Dave: Can you just book a journal entry? Do you, do you actually have to really move the money? It sounds like a hassle. Brian I mean, in, in general you have to, you have to either create a note or move cash. Dave: Okay. Brian Okay. Dave: But that might be a lot of money though. Like what if, what if it's like $2 million and million? The company only has a million dollars in the bank. Brian They could use the same capital multiple times. Dave: Oh, okay. Brian And roundtrip the money as many times as they need to, or like I said, use the, use the promissory note. Dave: Okay. Brian Short term promissory note to satisfy that requirement because it does say cash or property. Dave: Okay. So we get through February, we've made our, our 60 day payment. We've, we've, you know, sh sh we've, we, instead of doing 50%, we did about 80% of what we thought it was gonna be to give us some cushion, and now we can go take a vacation till the till the corporate returns ready. Brian Yeah. I, I, I think so. Dave: Okay. Brian I think so. Dave: Okay. So it's time to now. So it's time. Now, if they extend that corporate return, I guess they're gonna have to extend the disc return as well. Brian Well, the disc return is due September 15th as a matter of course. Dave: Oh, Brian are handy. There are no extensions. So really as far as the disc and its compliance goes, once you make that 60 day payment, there's really not much you can or should do or are able to do until the related entities tax return. Prepared. [00:39:00] So a lot of times they'll say, well, that's not gonna be done till September 15th, and we have to have a discussion about how that doesn't work because the disc return has to be done by September 15th, but in order to do the disc return, you need to basically a completed within it supplier returns. So then we have to work backwards from September 15th to figure out like when's the latest they can have that, that other return done in order Dave: to Brian get the disc return done. Now that's relatively easy in the past through context because all those pass through returns are also due September 15th on extension. Dave: Sure. Brian Whereas a C corporation, it's not so easy because the extended due date for a C corporation, if it's a calendar year is October 15th. So it may be that you have to file a disc return with a made up number on time and then amend it after. Okay. After September 15th. I've done that a number of times. Dave: Okay. So that makes sense. Brian Because as is good as CPAs are, they're deadline driven. So if a return is due October 15th, they're unlikely to have it done by the end of August. Dave: Yeah. Okay. So it's time to file the disc return. I assume the CPA firm probably has that disc return and their standard tax software with all the other forms. So you just have the CPA go ahead and prepare the disc return. I've looked at it, it's a short return. It's like 10 pages long. So you just go ahead and have the CPA prepare the disc return, then bing, bam, boom, you're done. Brian Could do that. Dave: Okay. Is there a drawback to doing that? Brian Yeah, it would probably be wrong. Dave: Okay. Why do you say that? Now, remember [Brian, we have a lot of CPAs who we have very good relationships with that we share clients, you know, saying that they're probably gonna do it wrong. I mean, heck, I don't really wanna annoy all my great CPAs we work with Brian Well, okay, but it, well, it's just a fact. It'll probably okay Dave: be Brian wrong because they might see one or two or three a year. They, they think they know what all the different terms on the district return mean, but they're not as familiar with that as they are with a S Corp return or a partnership return, or 1120. So they do what they think is right, and it may be right, it may not be right. So again, I, in my opinion, you want a specialist preparing the district return. Dave: Okay. Brian Okay. Because we know exactly how it's supposed to be filled out. And then if, if the calculation is done on a transaction by transaction [00:42:00] basis, there's this schedule P that gets attached to the return. Well, if you don't do a T by T, there's one Schedule P. If you do a T by T, there could be thousands of them. So I don't think CPAs and their software are equipped to complete thousands of schedule Ps and attach Dave: Yeah. Brian To the district. Dave: No, good point. And you're, you're getting your your enthusiasm to get to T by t had me, you got a little ahead of me. 'cause I was gonna ask, so client says, Hey, we have a desk. Our accounting department's busy. What's just the bare minimum of information we need to send you? What's the bare minimum? Brian Bare minimum would be qualified export sales. Dave: They just need to send you a number. Brian Yes. Dave: Then you take that number and how hard can it be? Right. Just take the, Brian it's not, it's not necessarily that hard at that point. Dave: Yeah. But say the profit on those sales [00:43:00] is the average profit of the company and taxable profit. And you compute the disc commission, you go through the Schedule P and compute the disc commission and pick the higher of the two numbers that you, that you compute. So you would just be like the final draft, corporate return and that total export number, you know, dollar amount for the year. And, and that's really all you need to, to do. That's Brian the bare bone. That's the bare bones, yeah. Dave: Okay. And that's what some people would call the standard calculation or a simple calculation, Brian I'd call it simple. Yeah. Dave: Okay. And that's also known as the 4% 50% calculation in some circles. Right. How does that work? Brian Well, it's also known as the safe harbor calculation in certain circles as well. Back to that, Dave: back to that safe harbor again. Brian Yeah. But that's actually not a safe harbor, so that's why I bring that up. Dave: Okay, well Brian that's the safe harbor calculation. I'm like, no, it's not. It's just the [00:44:00] calculation. There's nothing safe harbor about Dave: it. Okay. Brian Okay. It's just the rules that are found in the code and regs for computing and disc commission, and they're the two predominant methods. 4% of sales and the 50% of net profit, Dave: you just cherry pick whichever one works better. Brian Yeah, but the 4% method has limitations. So Dave: more limitations probably. Why? Why can't this just be simple? You said it was the simple calculation and now you're already telling me there's inherent complexity. Brian Even if it's simple, it's not totally simple. Dave: Okay. Okay, Brian so the, and I've seen this done wrong. Millions, well, not millions, hundreds of times, and I can say it is hundreds of times. Client computes the 4% method just by choosing 4% of sales. They don't look at what their net income is on the, on the [00:45:00] activity. They just say, oh, I'm allowed to use 4% of sales. The limit there is you cannot create a loss. There's something called the no loss rules. You can't create a loss with a disc commission if one doesn't already exist. So if the profit on, say, on the sales are 2% of sales, you can't take 4% of sales. You're limited to 2% of sales. And if, for example, you have a loss of the company, you're limited to zero. But I've seen situations where that's completely ignored. Dave: Okay? Brian Properly computed this commission of 4% of sales, but it should have been something less or possibly zero. Dave: Okay? So more complexity, but the good news, that's the extent of the complexity. One, schedule P, 4%, 50%, you know, make sure you, you don't create a loss. Now we're, we're all done. Pop. You [00:46:00] know what, what? Dusted and dusted and delivered we're, we're good to go. They've maximized their dis commission, right? And we're all done. They have a nice 10 page return to send to the IRS. Which by the way, can they file that electronically, that return? Brian Fortunately, there are no provisions for electronic filing of the disc return. It must be, Dave: what is this, the 1970s or something? Brian Pretty much Dave: Okay Brian with, with regard to the disc? Yeah. And, and some other forms. Yeah. But the, the, the benefit of that, here, I'll give you a benefit. The benefit of the fact that you must file a paper return is they can have an electronic signature on it. Okay. It doesn't have to have a wet signature. Dave: Okay? Okay. Brian So you could theoretically, for example, send your client the return using DocuSign, have them sign it. You print it, you file it for, Dave: okay. Okay. But, but now we're finally done. It's signed, it's done. And they say, boy, thank you very much, Brian. You've done, your team did a great job, and boy, I really appreciate, you know, we had 10 million of exports. We have all kinds of variability in our profit margins. And, but thank you very much. You, you created the amazing $400,000 or you calculated the 400,000 disc commission. Thank you very much. I couldn't imagine you went above and beyond. I couldn't imagine you could have done anything more. And then what do you say? Do you graciously say, oh, you're welcome. It was our pleasure. Brian I would graciously say, you know, we, we've just computed your minimum disc commission. Dave: Okay, Brian not your maximum. Because you have Dave: vast, lemme guess. Lemme guess. There's more complexity coming. Brian More complexity, which relies on more data being. Pulled from the client's [00:48:00] records to, to allow for a calculation of the DISC commission at a more detailed level, ideally at a line item by invoice level, Dave: line item. That sounds like a lot of work. Brian It can be. Can be a Dave: lot. What if the client says, our accounting department's busy? Sounds like we're gonna have to spend weeks gathering all this data for you. Eh, it's just, we're too busy, it's not worth it. What do you say then? Brian I gu I almost can guarantee you it will be worth it. Okay. Because looking at the detail is likely to cause at Disconnect commission to be anywhere from 50 to three, 400% higher than what it otherwise would've been. Now, unfortunately, in that first year, since you've already filed with a certain number, you're limited to two times what you paid in that 60 day window. But going forward. You know, there's no limit. Dave: Okay. Brian Whatever we compute can be your disc commission. So different industries have different amount of variability and t and transaction by transaction calculations have different impacts depending upon the industry, the profitability of the business, how many products they have, who they sell to. But it can vary. But I'll give you an example of one that we worked on recently where company had a hundred million of export sales. They took 4% of sales, and they've been taking 4% of sales year after year, after year, after year, after year, Dave: okay. Brian They brought us in like three weeks before the district return. Dave: Okay. Brian And we went through the calculations and we actually calculated 17 million Dave: as opposed to 4 million. Brian As opposed to four. Dave: [00:50:00] Yikes. That's a big difference. Brian It's a huge difference. And fortunately they were, you know, well, I mean they were very pleased with the result. And so now on a going forward basis, we're not doing 4% of sales. Dave: Okay? But you still have this. But if they were able to get a $17 million commission, then that means their corporate taxable income must have been at least 17 million. 'cause didn't I hear you say the disc commission cannot cause a loss. Brian It cannot cause a loss at the level at which you're computing the commission. So there's no, you're killing me, Brian. Just more complexity. Yeah. Well, it's very complex area. There's, there's no overall no loss rule. Like if you, you can, as long as you're meeting the rules as they're written, you can cause your entity to go into a loss position. Now, this particular instance, it did not do that, but [00:51:00] you could do that. Dave: Okay. And then if you get into a loss position, there are other non disc complexities that come into play that impact whether you want to maximize the loss in that entity or you want to target a particular loss in that entity. And that's not something that we get involved with, but we're certainly sensitive to it. Sure. Sure. And so you're saying for this client, even though I've heard some people say you've got the simple calc and then the hard calc. And so you'd wonder why would anyone do the hard calc? Well, it's because their commission went from 4 million to 17 million, which saved them hundreds of thousands of dollars. You created hundreds or millions of dollars with additional tax savings. Brian Right, right. Dave: Okay. Brian And by the way, after the first conversation we had with them, they said, oh [00:52:00] yeah, this is not something we can do. The accounting department said, this is not something we can do. Then the owner said, this is something you're gonna, Dave: it's funny how that, how that works. Okay. And then I'm guessing this extra work. You, you're probably gonna have to create another schedule P or two. So now the disc return, it's gonna be 10 pages. It's what? 20 pages? Is that kind of a typical page count? Brian No, it could be Dave: no. Brian Thousands of pages. Dave: Thousands. I mean, Brian, a ream of paper is 500. So thousands would be reams of paper. Brian Yes. I've had some returns that have like 15 binders of paper. Dave: Yikes. Brian Yeah. Just goes in a big box and I'm sure the IRS types, all those schedule Ps into their, Dave: I'm sure they do. Okay. So the return gets filed, so the return's ready. You take that box, you just slap a you print off a postal label online, drop it off at the post office. And you're done, right? You just give it to carrier, Brian understand, Dave: carrier, carrier your house or whatever. Brian Well, you can send it via FedEx. You can send it via UPS. And actually, in some ways, I think that might be better these days than the postal service. Dave: And why do you have to do that? Can you just slap, I mean, if you have your 15 binders, couldn't you just put a hundred stamps, you know, on the, the box and ship it in because they'll get it, right? I mean, it's not like they're gonna lose it or anything. Brian They might, they could very well lose it. And you definitely want proof of delivery and you want proof of mailing. So again, it's a certified mail if you're using the postal service or if you're using a private carrier like FedEx, you know, you get all that documentation about when it was shipped and when it was delivered.[00:54:00] Dave: Okay, well now at least we're finally done. Right? You ship it off. The CPA pulls the numbers from the disc return, puts it on the corporate and shareholder returns. Now we're done. It's gone to the IRS. We never have to think about it again. Right. Brian I'm not sure if that's a trick question or not, but in some ways that could be true, Dave: right? Yeah. But it, but I guess you could get audited, right? Brian Could get audited by an agent who has no idea what they're doing, which is typically the case. Dave: So that's why you want your CPA defending you in that case. 'cause then it's like the blind leading the blind. Brian No, I think it's better if someone with site is involved. So again, the specialist who did the disc work should represent the taxpayer or be involved with the representation of taxpayer in the case of the audit. Dave: Okay. Brian And the should be involved. Because really what's under, what's really in question is the [00:55:00] deduction on that entity's tax return. The dis itself doesn't pay tax. So they rarely audit a dis quote. Dave: Okay? So if I break it down, you to do it really right? You need a specialist to guide you on the initial structure of the disc. You need another specialist to set up the, the disc. You need another specialist to do all the paperwork, make sure the document's correct another specialist to prepare the return, and then another specialist to defend you. So is that about right? So do you need like five different people to make sure everything's done right? Brian? Isn't there some way that you could just have one person that could just do it all for you and be done with it? Brian Well, of course. Dave: Okay. Finally, finally, I get a simple answer, Brian right? So if you, if you engage a disc specialist, that [specialist should be able to do all that. Dave: Okay? Brian Okay. Now, not every disc specialist is created equally. Dave: Sure. Brian You know, I brought up during our conversation that there are some non disc things that can also add complexity to the situation. Not every disc specialist will be sensitive to those things. Not every disc specialist will understand those things. So the benefits that like our organization brings is that. Least myself in particular, I didn't always just do IC disc work. I, I, I have a well-rounded knowledge of all of the, of the tax world. And so I am sensitive to non disc things. You know, for example, you know, another example, oh, a company has a lot of export sales. You would think it's a no brainer. They should have a dis, they should use the dis. They should, they, they should want to convert that ordinary income to qualified dividend [00:57:00] income. Well, what if the S-corp is owned by an ebit? What if there are passive shareholders? All of those things impact whether the disc commission actually helps or hurts their tax situation. And I would get, I would venture a guess that, you know, if you went out and Googled, you know, I see this specialist, you would find a handful. At most that understand all that stuff and how all it all interplays together as opposed to the multitude of those that won't understand any of it. Dave: Okay. Brian So I think a, a disc specialist that is sensitive to all the other tax rules is, is definitely something that is valuable. Dave: And you probably want someone with some experience who's done maybe, you know, what a dozen disc returns in their career, maybe 50 if they're really good. Like how many, how many have we done organization wide? Probably Brian probably 10,000. Dave: 10,000? Well, that's a lot more than 50. Brian Yes. Over the years it's probably close to that number. And we've probably claimed billions of dollars of just deductions and saved clients, hundreds of millions of dollars of tax. And, and I'm proud to say that every dollar we've ever claimed we've. Okay. Dave: So Brian I've never had an adjustment from the IRS. Dave: Well, that sounds like a, a good a good record. So bottom line, Brian that's, that's the best you can come up with a good record. I'd say it's Dave: well, I didn't wanna say a perfect record. I didn't want to jinxy. Brian No, but it's, it's, it's, it's pretty outstanding record. Dave: Yeah. It's a, it's an impressive record Brian because there are also just providers out there that say, well, you know, Dave: it's the Wild West. Brian The wild west, the IRS doesn't really understand it, so let's be as aggressive as possible. And, and that's not the way we approach it. Dave: Yeah. Wow. Well, this has been this has been a lot. So really it's that simple. So the person who wants to just do all this themselves, we've laid out the whole playbook for them. Brian Yeah. The only simple thing they have to do is call us. Dave: There you go. That is it. Yeah. And, and oh, the other thing, not only are you the Bob, hope you now have moved from number two to number one for the most experienced icy disc guy. I know now that Neil Block is retired. Brian Well, that's, I don't know if that's a plus or not. Whether I'll take it just means I've been doing it a long time myself. So Dave: yeah, Neil was, I think my second, first or second guess. And and I was just happy. 'cause his billing rate back then was like $1,500 an hour. I was just glad I didn't get a bill a month later for him being on the podcast. But he, [01:00:00] he did it for exactly 50 years at one firm, baker and McKinsey in Chicago. He had one office, one phone number, like the whole 50 years. Brian Yeah. That's, Dave: that is something you don't see much anymore. Brian Definitely not, no. It's, but it's very, that's. That's very cool. And Neil is a very, you know, is a very intelligent savvy guy. Dave: Yeah, that is for sure. Well, Brian, anything else that we didn't cover that you can think of? Brian I can't think of anything. I think we covered a, a great deal here. Dave: Okay. Brian Can't think. Dave: Well, I, I'll let Brian we omitted. Dave: Well, great. Well, hey, thank you so much for your time. Really appreciate it. And I'll let you get back to your, your exploration of your yard there. Brian Yeah. I feel like, it's funny I shrunk the kids. Dave: I know. Well, hey, well, well again, thanks again, Brian. We all appreciate your time. Brian You're welcome. Have a good day. Dave: You too.

La misión de Jesús es un misión compartida. Y para ello llama a hombres concretos, como lo somos cada uno de nosotros. En esta reflexión del Evangelio, el Padre Ernesto María Caro nos ayuda a comprender que Jesús no escogió gente letrada en la Sagrada Escritura, en las tradiciones judíos, etc. Jesús escogió como los continuadores de la obra a pescadores, trabajadores normales, personas comunes como somos tú y yo, sin dones extraordinario. En este llamado no hubo negociación ni preguntas, ni excusa. Nos dice claramente que “al instante lo siguieron”.

Sales is one of the greatest income engines available, yet too many high earners still struggle to build real wealth. In this episode, we unpack why so many sales professionals make great money but fail to keep it.We break down the five core traps that hold salespeople back: irregular income, short-term thinking, lifestyle inflation, poor risk management, and lack of structure. We dig into the behavioral side of sales, the dopamine-driven wins, and why excitement often replaces consistency when it comes to money.We also get practical. We talk about paying ourselves like a W-2 employee, capping lifestyle spending, planning for taxes, and converting commissions into ownership. Most importantly, we challenge the idea that wealth is just income. Wealth is stability, optionality, and legacy.If you're a top producer who wants more than just another big year, this conversation is for you.We talk about:[00:00] Why Do So Many High-Earning Salespeople Retire Broke?[04:38] What Are the Five Core Wealth Traps Salespeople Fall Into?[08:15] Are Sales Behaviors Wired Against Long-Term Wealth?[10:18]  How Do You Normalize Irregular Income Like a W-2 Paycheck?[14:09] Why Are You Not as Good as Your Best Year (or as Bad as Your Worst)?[17:20]  How Do You Build Financial Structure Without Killing Motivation?[22:22] What Happens When Winners Ignore Risk While They're Winning?[30:12] How Do You Check Yourself When Success Is at Its Peak?[38:23] What Tactical Systems Turn Commissions Into Long-Term Wealth?Resources:Learn more at The Color of MoneyLearn more about DISC behavioral profilesLearn about risk-free government bondsBecome a real estate agent HEREConnect with Our HostsEmerick Peace:Instagram: @theemerickpeaceFacebook: facebook.com/emerickpeaceDaniel Dixon:Instagram: @dixonsolditFacebook: facebook.com/realdanieldixonLinkedIn: linkedin.com/in/dixonsolditYouTube: @dixongroupcompaniesJulia Lashay:Instagram: @iamjulialashayFacebook: facebook.com/growwithjuliaLinkedIn: linkedin.com/in/julialashay/YouTube: @JuliaLashayBo MenkitiInstagram: @bomenkitiFacebook: facebook.com/obiora.menkitiLinkedIn: linkedin.com/in/bomenkiti/Produced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not  Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.

Programa oficial de la iglesia Discípulos de Cristo en el Señorial 

In this episode of the Brian Icenhower Podcast, we break down one of the most powerful — and most misunderstood — tools in real estate leadership: the DISC behavioral assessment. Whether you're coaching agents, leading a team, managing a brokerage, or recruiting top producers, DISC is the foundation for understanding why people behave the way they do — and how to coach, lead, and grow them more effectively. Brian shares exactly why the DISC assessment is the very first step he uses before entering any coaching relationship, onboarding a new agent, or hiring a team member. You'll learn how to identify dominant D, I, S, and C behaviors in under 30 seconds, how to coach each profile without creating resistance, and how to use DISC to have honest conversations without damaging relationships. This episode also reveals why many agents fail — not because they aren't capable — but because they're being coached, led, and recruited in ways that completely conflict with their natural tendencies. If you want to recruit better agents, build stronger teams, improve retention, and finally lead with clarity instead of frustration, this is a must-listen episode. Show Notes What You'll Learn in This Episode: Why DISC should be the first step in every coaching, recruiting, and onboarding process The biggest mistakes leaders make when they coach without understanding behavior How to spot D, I, S, and C personalities in the first 30 seconds of a conversation Why “telling people what to do” doesn't work — and what to do instead How DISC allows you to correct behavior without creating conflict Why DI personalities struggle with volatility, impatience, and quitting too early How I-profiles avoid hard conversations, systems, and structure Why S-profiles resist change and avoid asking for business How C-profiles sabotage themselves through over-analysis and risk avoidance How to mirror, match, and adapt your leadership style to every personality Why mastering DISC turns you into a true “Jedi” leader Key Takeaways: Leadership is coaching — and coaching starts with understanding behavior. You cannot effectively train, lead, or recruit someone without knowing their DISC profile. DISC gives you permission to have hard conversations without damaging relationships. The strongest leaders aren't trapped by their personality — they learn how to override it. The more you master DISC, the more magnetic your leadership becomes. Resources Mentioned: ICT DISC Course – Learn how to coach, recruit, and lead using behavioral science Agent Management Portal (AMP) – Unlimited DISC assessments for your agents, candidates, and staff If you want to lead with clarity, recruit better agents, and finally build a team that runs without chaos, start with DISC. Explore our DISC training and tools at therealestatetrainer.com and take the first step toward becoming the kind of leader people want to follow.     Book a FREE coaching call: http://CoachCallFree.com Enroll in our online courses: http://www.IcenhowerInstitute.com Sign up for coaching: http://www.IcenhowerCoaching.com Sign up for an Agent Management Portal: http://AgentManagementPortal.com Join the fastest growing Facebook Group for Top Producers: https://www.facebook.com/groups/REagentRoundTable

Discípulo do lendário mestre Carlson Gracie, Bebeo Duarte viveu de tudo no mundo da luta. Como lutador e treinador, ele tem no currículo lutas de jiu-jítsu, grappling e vale-tudo. Convidado do podcast desta semana, ele relembrou momentos marcantes de sua história e contou causos imperdíveis de quem vive há mais de 40 anos no esporte

MEMORIA DE LOS SANTOS TIMOTEO Y TITO, OBISPOS La memoria agradecida, la fidelidad a la sana doctrina y la actitud para dar buen combate por las almas y la gloria de Dios nos hacen verdaderos discípulos.

Episode 470 featuring guest Brotha2daKnight.Discussions this week were on J. Cole's new "Disc 2, Track 2" single before his upcoming The Fall Off drops in February, Ludacris dropping off a MAGA-adjacent concert because of backlash, Nicki Minaj furthering her grift as the loser she is, ASAP Rocky telling Akademiks he needs to discover more music, and more.Support the show

The day has finally arrived, where Tilly can ramble on to her heart's content about her obsession with Terry Pratchett's writing, because Ash and Tilly are conducting an archaeological survey of the Discworld! Listen in to hear Ash frantically trying to keep her co-host on track and they navigate the landscapes and societies of the Disc, marvel at the complexity of the archaeological theory, and generally prove that Tilly has read these books far too many times.Books mentioned:Terry Pratchett's Discworld seriesCrocodile on the Sandbank (Elizabeth Peters)LinksGoing Postal filmEntanglement Theory by Ian HodderConcept of stratigraphyEdinburgh underground streetsContactEmail: andmytrowel@gmail.comInstagram: @‌and.my.trowelTranscriptsFor rough transcripts of this episode, go to: https://www.archpodnet.com/trowel/59ArchPodNetAPN Website: https://www.archpodnet.comAPN on Facebook: https://www.facebook.com/archpodnetAPN on Twitter: https://www.twitter.com/archpodnetAPN on Instagram: https://www.instagram.com/archpodnetAPN StoreAffiliatesMotion Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

SEGMENT 6: CANADA SUBSTITUTING CHINA FOR US TRADE Guest: Charles Burton Burton continues analysis of Canadian trade strategy, questioning whether Ottawa might pivot toward China as alternative to American markets under Trump tariff threats. Discussion weighs the risks of such realignment, political obstacles, security implications, and whether Canada can truly diversify away from its dominant southern neighbor.1900

This Week on the Hudson Valley Disc Golf Podcast: Alex,Jasan, Tim, Corey, Evan and Randy join to recap the weekend's New England Team Challenge matches.But First some housekeeping: - MA2 vs. MA40 - Did we get ratioed? - Team Challenge App - DÉJÀ Trois - NYTC Picks Then, Corey and Jasan tell us about their trip to Rhode Island for a match on a new course.Tim and Evan walk us through their home match at JPark against the Hillside Herd.And, say it ain't so, the Stonykillers finish another match in a tie at the end of regulation, this time at Newton Hill in Massachusetts. Alex and Randy let us know if there was a different result.We wrap things up with Team Ralex trying to reverse the curse in a round of Disc or No Disc.Support the showSpecial Thanks to our Patreon Supporters: Branden Cline, Tim Goyette, Peter Hodge, Ryan Nelson, Kevin T. Kroencke, Brian Monahan, Corey Cook, Evan Parsley, Mark Bryan, Nick Warren, Jasan Lasasso, Justin Mucelli, Terry Hudson, Kyle Hirsch, Brian Bickersmith, Sparky Spaulding, Mike Schwartz, Erich Struna, William Byrne, Jeff Wiechowski, Sean Dollard, Jack Bradley, Marcia Focht, Justin Hickok, Troy Vassari, Erik Haenel and Ross O'Toole.

Cita: Lucas 22:24Pastor: Felipe VidesSi desea saber más sobre nuestro ministerio, visítenos en www.mielav.church.Y si tiene un testimonio de las cosas asombrosas que Dios está haciendo en su vida a través de nuestro ministerio, por favor envíe un mensaje electrónico a iglesiamielav@gmail.com.Instagram: @mielav | @juventudmielav | @mieljuventudUSA | Spotify: MIEL Pódcast

Misha of Gas Station Boner Pills comes on The Dollar Bin podcast to explain the difference between getting Western music in Russia and buying music in the U.S. Misha is the punk rock bassist/singer for the Georgia-based "comedy punk" group, emigrating from Russia with his family decades ago. Co-hosts Alan Brostoff (Dr. Disc) and Rev (singer from The Drowns) also ask Misha: Are there record stores in Russia? — and even explain the experience of getting Western music on X-rays ("bone records). Plus more! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this podcast episode, Dr. Jonathan H. Westover talks with Jevon Wooden integrating empathetic leadership into your strategies. Jevon Wooden is a sought-after speaker, coach, and author specializing in empathetic leadership. A veteran, CEO, and expert in emotional intelligence and DISC, he empowers leaders to build high-performing teams, foster thriving workplace cultures, and achieve sustainable business growth. Jevon's insights have been featured in Forbes, Entrepreneur, Inc. Magazine, and more.  Check out all of the podcasts in the HCI Podcast Network!

What you'll learn in this episode:Why behavioral alignment matters more than skills aloneThe 4 DISC profiles: Dominance, Influence, Steadiness, ConscientiousnessReal-world examples of how each type shows up in businessWhich DISC types thrive in sales vs. admin rolesHow to use DISC tools to simplify your hiring processWhy hiring for alignment creates consistency, loyalty, and long-term success  

Muchos más recursos para tu vida de fe (Santo Rosario, Oración, etc.) en nuestra web https://sercreyente.com________________Jueves, 22 de enero de 2026 (2ª Semana del Tiempo Ordinario)Evangelio del día y reflexión... ¡Deja que la Palabra del Señor transforme tu vida! Texto íntegro del Evangelio y de la Reflexión en https://sercreyente.com/jesus-se-retiro-con-sus-discipulos-a-la-orilla-del-mar/[Marcos 3, 7-12] En aquel tiempo, Jesús se retiró con sus discípulos a la orilla del mar y lo siguió una gran muchedumbre de Galilea. Al enterarse de las cosas que hacía, acudía mucha gente de Judea, Jerusalén, Idumea, Transjordania y cercanías de Tiro y Sidón. Encargó a sus discípulos que le tuviesen preparada una barca, no lo fuera a estrujar el gentío. Como había curado a muchos, todos los que sufrían de algo se le echaban encima para tocarlo. Los espíritus inmundos, cuando lo veían, se postraban ante él y gritaban: «Tú eres el Hijo de Dios». Pero él les prohibía severamente que lo diesen a conocer.________________Descárgate la app de SerCreyente en https://sercreyente.com/app/¿Conoces nuestra Oración Online? Más información en: https://sercreyente.com/oracion¿Quieres recibir cada día el Evangelio en tu whatsapp? Alta en: www.sercreyente.com/whatsappTambién puedes hacer tu donativo en https://sercreyente.com/ayudanos/Contacto: info@sercreyente.com

Cindee Williams is a business lifestyle coach, speaker, and the founder of LEAD My Life. She and her family have been small business owners for over three decades, building companies rooted in values, service, and community impact. After relocating from California—where they were deeply established as business owners and civic leaders—Cindee intentionally rebuilt meaningful community and professional networks from the ground up. Today, she helps entrepreneurs and leaders build businesses that bless them back, teaching practical tools for communication, leadership, and connection, including the DISC personality assessment, so success doesn't come at the expense of relationships, health, or purpose.

Do you love physical media and movies? Then you should be following all-things Ryan. I am truly honored to be joined by returning guest and physical media community superhero Ryan Verrill. We discuss the many projects he has in the works while mainly focusing on his latest distribution company, Antenna Releasing. During the 2nd half of the conversation, we also discuss some of his favorite films of 2025!Per their website, Antenna Releasing is "always looking for exciting new voices in film to champion" and Ryan (along with his two hard-working compadres) are definitely making things happen already with their incredible new endeavor! Thank you so much to Ryan for talking with me on our lunch break and sharing with me all the good news at a time when we need it the most. Follow Ryan here, there, everywhere!https://podcasts.apple.com/us/podcast/the-disc-connected/id1615134944https://www.youtube.com/c/DiscConnectedMediahttps://www.patreon.com/cw/DiscConnectedhttps://letterboxd.com/disc_connectedhttps://www.antennareleasing.com

Discover how personality assessments like StrengthsFinder and Working Genius help church leaders hire the right staff and build stronger teams. Learn practical ways to use personality profiles for team development, understand your staff's wiring, and create a healthy church culture. Perfect for pastors and ministry leaders looking to improve hiring, reduce staff conflict, and maximize team strengths. Topics include: when to use assessments, how to apply them in hiring, team communication strategies, and balancing pragmatic leadership tools with Biblical principles.Here's a few that we've used:- Clifton Strengths: https://www.gallup.com/cliftonstrengths/en/252137/home.aspx- DISC: https://www.discprofile.com/what-is-disc- APEST: https://www.alanhirsch.org/tests- Working Genius: https://www.workinggenius.com/

Vos clients n'achètent pas ? Votre offre n'est peut-être pas le problème. Votre prix/tarif non plus.C'est souvent votre façon de parler à vos (futurs) clients.On oublie souvent qu'on achète tous différemment.Et pourtant, les entrepreneurs vendent de la même manière à tous leurs clients.Dans cet épisode, je vous dévoile les 4 profils types d'acheteurs et comment adapter votre discours à chacun d'eux.Ce qui déclenche le "oui", les red flags qui font fuir, les mots exacts à utiliser... tout y est.Que vous vendiez en 1:1 ou en one-to-many, ce framework va clairement booster votre façon de vendre.En résumé, vous saurez exactement comment :➡️ Identifier les 4 profils d'acheteurs et comprendre leurs déclencheurs d'achat.➡️ Adapter votre discours de vente, vos arguments et vos contenus selon chaque profil.➡️ Vendre plus sans insister, sans vous brader et sans avoir l'impression de “forcer”.Bonne écoute

Brian Saur, host of Just the Discs Podcast & co-host of New Beverly Cinema's Pure Cinema Pod joins us to draft our ultimate 2026 wish lists for Blu-Rays and 4K's that do not yet exist! Find us on Instagram!

Right before we hit record, J Cole announces he’s releasing “The Fall Off”. Rory and Mal react to the trailer, and speculate if there will be any features on the project. Baby D is still recovering, but you know she had to call in and give her first impression. Then, while we’re in the middle of recording, Cole drops “Disc 2-Track 2”, and Rory and Mal give their live reaction #volume All lines provided by hardrock.betSee omnystudio.com/listener for privacy information.

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠Dive into the latest on J. Cole's highly anticipated album The Fall-Off in this segment of Notorious Mass Effect. Analytic Dreamz breaks down the official announcement dropped on January 14, including the confirmed February 6 release date for what many frame as Cole's final studio album and first full-length solo project since The Off-Season in 2021.Explore the decade-plus development behind The Fall-Off, first teased in 2018 with “1985 – Intro to ‘The Fall Off'” on KOD and long promised as Cole's best work yet, surpassing his debut. Analytic Dreamz covers the lead single “Disc 2 Track 2,” released hours after the cinematic trailer, featuring Cole rapping his life story in reverse—echoing Nas' “Rewind”—with a music video directed by Ryan Doubiago that visually rewinds from death and funeral back through fame, fatherhood, marriage, industry pressures, early grind, childhood, and his father's return.The trailer highlights everyday moments like washing his car and eating alone at a diner, paired with narration on fame's temporary nature and the natural cycle of rising and falling, rejecting the stigma of “falling off.” Analytic Dreamz examines Cole's mission statement: a handcrafted, personal challenge over 10+ years, dedicated first to himself and then to hip-hop, positioning this as a reflective, autobiographical culmination and legacy moment for the culture.From past delays after 2019 promises, through The Off-Season's 2021 dominance (No. 1 Billboard 200, Spotify streaming records) and 2024's Might Delete Later mixtape amid the Kendrick-Drake feud, this rollout signals Cole's thoughtful, narrative-driven farewell to album-making. Join Analytic Dreamz for in-depth analysis on what The Fall-Off means for J. Cole's career and hip-hop.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsPrivacy & Opt-Out: https://redcircle.com/privacy

This Week on The Hudson Valley Disc Golf Podcast: It's New York Team Challenge Week and Alex, Corey, Tim, Evan, Jaimen, Erich, Randy and even Justin Mucelli recap the weekend's matches. Before that though, we get some 2026 goals from myself and Erich and name a HVDGPPotY in the MA2 division. Then, Jaimen gives us the rundown on the Beasts of Burbine @ The Goats of Greenwich match. Alex breaks down the Chatham Hill Country Club visit to Wilcox for their match with the Widowmakers.Randy and Erich recap the Minekill WHIPs @ Tower of Power and explain what the heck my nemesis was doing there.And Corey relives the Saratoga Revolution coming to JPark to battle the Wrenches with a little help from Justin Mucelli. We finish it off with a round of Disc or No Disc and get an update on Nine Pin Putting league from Randy.Support the showSpecial Thanks to our Patreon Supporters: Branden Cline, Tim Goyette, Peter Hodge, Ryan Nelson, Kevin T. Kroencke, Brian Monahan, Corey Cook, Evan Parsley, Mark Bryan, Nick Warren, Jasan Lasasso, Justin Mucelli, Terry Hudson, Kyle Hirsch, Brian Bickersmith, Sparky Spaulding, Mike Schwartz, Erich Struna, William Byrne, Jeff Wiechowski, Sean Dollard, Jack Bradley, Marcia Focht, Justin Hickok, Troy Vassari and Erik Haenel.

Episode Overview In this Power Hour episode, John Kitchens is joined by Joel Perso for a deep dive into one of the most overlooked growth constraints in real estate businesses: operational chaos. As agents and teams ramp up lead flow, listings, and transactions, most don't realize they're unintentionally building a treadmill instead of a scalable business. John and Joel kick off a multi-week Power Hour series focused on helping agents and team leaders move from production overload to operational clarity—without losing momentum. This episode zeroes in on the single most common operational question agents ask once growth kicks in: Who should I hire first—and why? From admins to operations managers, integrators, and COOs, John and Joel break down each role, when you actually need it, and the costly mistakes teams make when they hire out of order. If your business feels busy but fragile, this conversation will help you close the "back door," protect your pipeline, and start building a business that lasts. Key Topics Covered Conquering Operational Chaos Why growth without operations creates burnout, bottlenecks, and missed opportunities The difference between building a business vs. building a treadmill How operational clarity protects momentum as deal flow increases The Right Hire, in the Right Order Why most teams hire too much responsibility into one role The difference between an admin, operations manager, integrator, and COO How to identify what stage your business is actually in The Admin Role (Where Most Teams Should Start) What an admin should and should not be responsible for Why admins follow processes—not create them Common mistakes that cause admin hires to fail Virtual vs. in-office admin considerations Operations Managers & Scaling Support When an admin is ready to grow into an operations manager role How operations managers turn chaos into order Why this role helps leaders finally "breathe again" Head of Operations vs. Integrator vs. COO Why titles matter—and how they can backfire if misused The danger of inflated titles in small teams Why "Head of Operations" often creates clarity without compensation confusion The real definition of an EOS Integrator—and why most teams aren't ready for one COO Reality Check Why the COO role is defined by the CEO's strengths and weaknesses The 7 types of COOs and which ones show up most in real estate How to decide if you truly need a COO—or just better execution Compensation & Personality Fit Why operations team members value stability over incentives Why bonuses don't motivate ops roles the way they motivate agents Disc profile considerations for operational leadership The importance of tenacity and execution over ideas Resources & Mentions Honey Badger Nation – Community and leadership resources EOS / Traction / Rocket Fuel – Referenced frameworks (with important clarifications) CoachKitchens.ai – AI-powered coaching tool for real estate leaders Joel Perso – The Growth Centric Fractional COO services for 7-figure real estate teams Contact: joel@thegrowthcentric.com Final Takeaway More leads don't fix broken operations—they expose them. If you want to scale without chaos, burnout, or constant firefighting, you must hire intentionally, in order, and with clarity. This episode lays the groundwork for building an operational foundation that supports growth instead of suffocating it. "If you don't counterbalance growth with operations, you're not building a business—you're building a treadmill." - John Kitchens Connect with Us: Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!

Suscríbete a nuestro canal: https://www.youtube.com/channel/UCT7xp_vHnuW70jpB09tvMLQ?sub_confirmation=1 Escucha nuestra música en: Spotify: https://open.spotify.com/album/44cPmmuhhBbSnRCfG1pArx Apple Music: https://itunes.apple.com/mx/album/glorioso-en-vivo-en-vivo/1375011086 Amazon: http://a.co/d/eeuyucf Síguenos en todas nuestras redes sociales: Facebook: https://www.facebook.com/vinonuevoep/ Instagram: https://www.instagram.com/vinonuevoep/ Visita nuestra página web: https://www.vinonuevo.com/ New Kids: https://www.instagram.com/newkids_vn #vinonuevoep

Are you hiring help or headaches?If you're tired of cycling through hires who “seemed great” but still need hand-holding six months later this episode is your new hiring Bible.In Episode 122 of She's That Founder, Dawn Andrews reveals the exact 10-minute AI-powered hiring workflow that Female Founders use to stop wasting time, money, and mental bandwidth on dud employees without slowing down their business.By the end, you'll know how to get role clarity, ask interview questions that actually reveal red flags, and stop hiring clones of yourself (spoiler: that never ends well).If you're about to post a job (or already deep in hiring regret), pause.Grab Dawn's free 10-Minute AI Hiring Workflow now:

Summary In this episode, Andy talks with Barry Wolfe, author of It's All In Your Head: Why Psychology Doesn't Help Your Workforce Deliver Value - And What Can. Barry is a seasoned HR executive and business leader who has built a reputation as one of the rare "HR guys who actually has a head for business." In this frank and eye-opening conversation, Barry challenges many of the tools and ideas we've come to rely on in leadership and management. Andy and Barry discuss why frameworks like Maslow's hierarchy may be doing more harm than good, how personality assessments can become limiting narratives, and why our obsession with "fit" often backfires. But this isn't just a critique. Barry offers an alternative in the form of Value-Centric Leadership, a model that reframes how we think about work, leadership, and results. You'll learn about tools like The Same Page and the 4C's of leadership that can help you lead with more clarity and purpose. If you're ready to challenge what you think you know about managing people (and want practical tools to lead more effectively), this episode is for you! Sound Bites "Most of the hiring tools we use today are only marginally better than chance." "We act like we're selecting with science, but we're often just rationalizing our preferences." "Maslow never created a pyramid. That was a marketing add-on, not a scientific insight." "Psychology gave us language, but somewhere along the way, it became the product." "What do I want to pay people to do?" becomes "What results do I want to buy from them?" "We pay people to do activities, but it's because we want to buy results." "Nobody buys verbs. People buy nouns." "Maslow had no interest in actually validating his model. He just threw it out there." "If you get married and someone asks, what are you looking for in a spouse? Would you really say the upper left box?" "The guy who created the DISC assessment was also the creator of Wonder Woman." "Given the choice between thinking hard and spending money, most business leaders would rather spend money." "Part of the problem with these tools is you're learning about science through something called marketing." "We've got strategic plans, core values, mission statements. What's missing is being on the same page." Chapters 00:00 Introduction 01:45 Start of Interview 02:00 Barry's Early Career Influences and Business Perspective 06:42 Why Leaders Rely So Heavily on Assessments 09:25 The "Yes, Buts" of Psychological Tools 15:20 What We Get Wrong About Maslow's Hierarchy 19:00 From Paying for Activities to Buying Results 23:30 Connecting Project Work to Real Value 24:00 Introducing The Same Page 28:47 The Most Overlooked Element of Leadership 33:47z Looking Ahead at AI, Automation, and the Future of Work 41:22 End of Interview 42:03 Andy Comments After the Interview 45:19 Outtakes Learn More You can learn more about Barry and his work at ArgosHR.com. For more learning on this topic, check out: Episode 473 with Jeffrey Hull & Margaret Moore. They have rigorously researched what it takes to lead, and I think you'll find their approach and findings to be a nice complement to today's episode. Episode 417 with Mary Crossan and Bill Furlong. They have deeply researched 11 dimensions of character, which has some nice alignment with the 4 C's that Barry talked about. Episode 47 with Henry Mintzberg. If you haven't been with us since the early days, it would be easy to have missed this episode with one of the foremost curmudgeons of management. I think you'll find his insights in episode 47 to be a helpful addition to what Barry talked about in this episode. Help Passing the PMP Exam If you or someone you know is thinking about getting PMP certified, we've put together a helpful guide called The 5 Best Resources to Help You Pass the PMP Exam on Your First Try. We've helped thousands of people earn their certification, and we'd love to help you, too. It's totally free, and it's a great way to get a head start. Just go to 5BestResources.PeopleAndProjectsPodcast.com to grab your copy. I'd love to help you get your PMP this year! Join Us for LEAD52 I know you want to be a more confident leader—that's why you listen to this podcast. LEAD52 is a global community of people like you who are committed to transforming their ability to lead and deliver. It's 52 weeks of leadership learning, delivered right to your inbox, taking less than 5 minutes a week. And it's all for free. Learn more and sign up at GetLEAD52.com. Thanks! Level Up Your AI Skills Join other listeners from around the world who are taking our AI Made Simple course to prepare for an AI-infused future. Just go to ai.PeopleAndProjectsPodcast.com. Thanks! Thank you for joining me for this episode of The People and Projects Podcast! Talent Triangle: Power Skills Topics: Leadership, People Management, Business Psychology, Strategic HR, Hiring, Performance Management, Personality Assessments, Organizational Culture, Project Value, Team Development, Employee Experience, Decision Making The following music was used for this episode: Music: Summer Morning Full Version by MusicLFiles License (CC BY 4.0): https://filmmusic.io/standard-license Music: Energetic Drive Indie Rock by WinnieTheMoog License (CC BY 4.0): https://filmmusic.io/standard-license

Start Artist Song Time Album Year 0:00:00 Strawbs Autumn Heroine’s Theme/Deep Summer’s Sleep/The Winter Long 8:23 Hero And Heroine 1974 0:09:20 Cressida Winter of Coming Again/Spring ’69 6:12 Cressida 1970 0:15:32 Cressida Summer Weekend Of A Lifetime 3:14 Asylum 1971 0:19:18 Tiger Moth Tales Spring Fever 6:49 A Song of Spring 2022 0:26:28 Pink Floyd Summer ’68 5:26 Atom Heart Mother 1970 0:32:18 Billy Joel Summer, Highland Falls 3:09 Turnstiles 1976 0:35:47 Tori Amos Winter 5:36 Little Earthquakes 1992 0:41:39 Cheap Trick Spring Break (From Spring Break Original Soundtrack) 3:00 Spring Break Original Soundtrack 1983 0:44:49 Bryan Adams Summer Of ’69 3:24 So Far So Good 1984 0:48:44 Caravan Winter Wine 7:31 In the Land of Grey and Pink 1971 0:56:44 Hostsonaten Autumn’s last breath / The gates of winter 5:46 Autumnsymphony 2011 1:02:58 Camel Summer Lightning 5:49 Breathless (2023 Remaster) 1978 1:09:23 Phish Winterqueen 4:03 Fuego 2014 1:14:14 Alcest Summer’s Glory 8:00 Les voyages de l’ame 2012 1:22:53 Mark Hollis The Colour Of Spring 3:19 Mark Hollis 1998 1:27:06 Electric Light Orchestra Summer and Lightning 4:05 Out of the Blue 1977 1:31:11 Electric Light Orchestra One Summer Dream 5:33 Face The Music (2006 Remaster) 1975 1:37:24 Pentangle So Early In The Spring 3:33 Sweet Child 1968 1:40:38 Jade Warrior A Winter’s Tale 5:01 Last Autumn’s Dream 1972 1:46:31 Adventure Seasons: Summer Breeze (No rest, No sleep) 3:24 Adventure 2000 1:50:20 Richard Wright Summer Elegy 4:48 Wet Dream (2023 Remix) 2023 1:55:49 RPWL A Cold Spring Day In ´22 4:06 Crime Scene 2023 2:00:19 Midlake Winter Dies 4:59 The Courage Of Others 2010 2:05:34 Shooting Star Summer Sun 3:49 Silent Scream 1985 2:09:37 Stratovarius Before The Winter 5:53 Visions 2008 2:16:23 Janne Schaffer Wintergreen 1:59 Katharsis 1976 2:18:22 XTC Summer’s Cauldron 3:18 Skylarking (Vinyl + CD) 1986 2:21:40 Rush Summertime Blues 3:42 Feedback (2013 Remaster) 2004 2:26:22 Atomic Rooster Winter 6:53 Atomic Rooster (2016 Remaster) 1970 2:33:38 Eloy Summernight Symphony 4:21 Visionary 2009 2:38:21 Ashbury Summer Fades Away 2:30 Eye of the Stygian Witches 2018 2:41:09 Genesis A Winter’s Tale 3:25 From Genesis To Revelation 1969 2:44:34 Genesis Evidence Of Autumn 4:49 Archive #2: 1976-1992 [Disc 1] 1980 2:49:46 Mystery Beneath The Veil Of Winter’s Face 5:58 Beneath The Veil Of Winter’s Face 2007 2:56:07 Gazpacho Winter Is Never 4:37 Tick Tock (Remastered) 2008

In the 933rd episode of the PokerNews Podcast, Chad Holloway, Mike Holtz, and Ben Ludlow kick off Season 17 with some poker predictions for 2026. Will the Big Beautiful Bill's gambling tax situation be resolved or lead to big ramifications in the industry? Will Phil Hellmuth win his 18th gold bracelet? Would the World Series of Poker (WSOP) ever raise the buy-in for the Main Event? The triumvirate also covers recent stories, including poker players Galen Hall and Jason Somerville winning big in the Circa Survivor content, arbitration ending between Maurice Hawkins and Denise Pratt, and Lex Veldhuis returning to the streaming streets, albeit not as a PokerStars Ambassador. Similarly, Caitlin Comeskey's ambassadorship with PokerStars US came to an end, and got the crew asking, "Is there still value in poker ambassadors?" You'll also see a short interview of Poker Hall of Famer Erik Seidel chatting with Rep. Dina Titus about the aforementioned tax bill, hear about Jeremy Becker and Matthew Wantman winning titles at the Venetian, and another book giveaway for a copy of Jonathan Little's The Complete Poker Workout. A new PokerNews Podcast drops every Thursday at 8a PT / 11a ET / 4p UK time. Remember to subscribe to our YouTube channel so you do not miss an episode! Time Stamps *Time    Topic* 00:00 | Welcome to the show 01:40 | Poker players win big in Circa's Survivor contest 08:20 | Maurice Hawkins arbitration ends 21:56 | Lex Veldhuis is back! 26:07 | What are the value of "Poker Ambassadors" nowadays? 30:00 | Poker predictions for 2026 30:42 | Video: Erik Seidel chats w/ Rep. Dina Titus 38:29 | Trivia – Venezuela's all-time money list 40:03 | Is late reg and unlimited reentries a problem? 47:45 | Could WSOP Main Event be $15,000? 49:50 | Hellmuth will win bracelet No. 16 in 2026 50:30 | Recent Tournament Winners presented by 888poker 51:18 | Jeremy Becker claims title at Venetian 51:35 | Matthew Wantman kicks off New Year with win 51:46 | Preston Dean wins RoughRider Poker Tour title 52:10 | Jonathan Little book giveaway 54:13 | Disc golf with TJ Reid

This Week on The Hudson Valley Disc Golf Podcast: Alex, Corey, Evan, Tim, Jaimen, Jasan and Randy join to discuss the last week in snow-covered Disc Golf. Most everyone played at DisCap First Traxx and walked us through their rounds. We did picks for the event and no one had more than three of their picks show up. We also talked about the Kisco Klassic 2026. It didn't have as much snow but the weather definitely affected some. We heard about Tim and Corey's rounds and found out if Jaimen was able to win it for a second year in a row. Coincidentally, we also got to speak with the winner of the event and try to find out the secret to his Kisco success.New York Team Challenge is this weekend so we had to do picks. We also had some rules discussion and tried to answer Bobby Hallum's headphones question. We finished it off with a Round of Disc or No Disc with a splash of 2025 DisCap Tag League recap mixed in.Support the showSpecial Thanks to our Patreon Supporters: Branden Cline, Tim Goyette, Peter Hodge, Ryan Nelson, Kevin T. Kroencke, Brian Monahan, Corey Cook, Evan Parsley, Mark Bryan, Nick Warren, Jasan Lasasso, Justin Mucelli, Terry Hudson, Kyle Hirsch, Brian Bickersmith, Sparky Spaulding, Mike Schwartz, Erich Struna, William Byrne, Jeff Wiechowski, Sean Dollard, Jack Bradley, Marcia Focht, Justin Hickok, Troy Vassari and Erik Haenel.

Living with chronic back pain often means slowly adapting your life around it. Over time, everyday things – sitting comfortably, traveling, sleeping through the night, keeping up with family, start to require planning, compromise, or avoidance altogether. The hardest part isn't usually the pain itself, but the fear that this may simply be how life will always feel.  After nearly 20 years of back pain and multiple procedures, Rachel, a teacher and mom of two, found herself in that exact place. She describes years of temporary fixes "surgeries that helped, until they didn't,"  trying everything from lumbar fusion to chiropractors to injections, discectomy and physical therapy, yet lasting relief never came.  Eventually she was told disc replacement surgery wasn't an option for her. Instead, she was warned that her future would likely involve spinal fusion after spinal fusion, each one further limiting her mobility and quality of life. She felt trapped between continuing to manage her pain and facing an uncertain future of additional surgery. Rather than accepting that outcome, Rachel decided to keep asking questions. In this episode of Get Back to Your Life®, Rachel shares how seeking another opinion led her to two-level disc replacement surgery with Dr. Colin Haines at VSI®, and how that decision changed what daily life looks like for her today. Her story isn't defined by a single milestone; it instead highlights the return of everyday life… the moments that make life feel normal again… better sleep, greater independence, and the ability to fully participate in activities she had slowly stepped away from. If you're facing chronic back pain, been told your options are limited, or wondering whether disc replacement may still be worth exploring,  Rachel's story serves as a hopeful reminder that being told "no" doesn't always mean the story is over, and that asking the right questions can open doors many people don't realize still exist.

Liz and Ben do a little light Summer reading as they tackle one of the biggest Discworld books of all – Terry Pratchett and Stephen Briggs' The Discworld Companion, in all its various editions (but mostly 2021's The Ultimate Discworld Companion). From the Abbott of the History Monks, to dimensionally-displaced traveller Jack Zweiblumen, the Discworld Companion is an alphabetical encyclopaedia of everything Discworld! Flip to your favourite character, location or thing from across the Disc, and rediscover what made you fall in love with this world all over again. After Stephen Briggs started adapted the Discworld novels for the stage, he started to make notes about how the pieces of this fictional world fit together. He started by suggesting it would be possible to draw a map of Ankh-Morpork, and then advanced to trying to encompass the whole of the world in a single reference work. That was in the 1990s, at the height of Discworld's fame and success – and before the world wide web was on everyone's desk (or in everyone's pocket). But there have been four major editions (and multiple other revisions) of The Discworld Companion since then, each bigger than the last – and the Dunmanifestin expanded edition of The Ultimate Discworld Companion is probably the biggest Discworld book of all time! Do you have a copy of the Companion? Which edition is it? How do you read it, and what are your favourite entries? What would you compile an encyclopaedia about, and what would you put into the Discworld Companion if you got the chance? And do you know where Mr Harris and the Blue Cat Club come from – if they come from anywhere? Let us know your answers via social media (optionally using the hashtag #Pratchat91), send us an email, or comment on our website to join the conversation! You can find episode notes and errata on our web site. Next month it's back to the digital Discworld, as we play and discuss the second Discworld adventure game, Discworld II: Missing, Presumed…!? (aka Discworld II: Mortality Bytes.) Send us any questions you have via email (chat@pratchatpodcast.com) or social media, optionally using the hashtag #Pratchat92. Want to help us get to the end of our six(ish) year mission and read every Pratchett book – and more? You can support us with a tip, or a subscription for as little as $2 a month, and that's cuttin' our own throats! See our Support Us page for details.

Welcome back to Girl, Take the Lead! — the podcast where we explore stories of reinvention, resilience, and the courage it takes to lead lives that break old cycles and create new possibilities.To kick off 2026, today's guest brings heart, grit, and a fresh perspective on what true leadership looks like.Meet Erin Krueger — top-ranked Nashville realtor, nationally recognized expert, bestselling author of Capture the Culture, and a woman whose leadership journey began long before she built one of the most successful all-female real estate teams in the country. Her team has sold more than $2 billion in real estate to date, with nearly $225 million in 2024 alone — but it's her authenticity, intentionality, and heart-centered leadership that stand out most.Erin joins Yo for a candid conversation about building culture (at home, in business, and within ourselves), navigating adversity, choosing who we want to become, and leading with humanity in an era of rapid change.Whether you're entering 2026 with big goals, seeking a healthier work culture, or looking to lead in a more intentional way, this episode is filled with wisdom and tools to help you design the life and leadership path you want.

Ever wonder why your delegation flops, even when your hire was totally qualified?Let's be real: It's not a competence issue. It's an instruction mismatch, and it's sabotaging your best people before they even start.In this episode of She's That Founder, Dawn pulls back the curtain on the delegation breakdowns that keep ambitious women stuck in bottleneck hell and walks you through the DiSC-powered, AI-backed system that fixes it for good.Whether you're hiring your first ops lead or scaling a full team, this episode will teach you how to tailor your delegation style to match how your people actually process information so they stop missing the mark, and you stop doing it all yourself.Grab the FREE Feedback FixLearn how to recover from delegation mishaps and adjust your instructions to match your team's communication style.What You'll LearnWhy delegation fails even with rockstar hires and how to fix it without micromanagingThe 3 core delegation instruction styles (and how to know which one your team member needs)How to use AI (yep, ChatGPT or Claude) as your personal delegation diagnostic toolThe role of DiSC profiles in predicting delegation success before you hand off a taskHow to shift from “delegation hope” to “delegation confidence” in under 3 minutesResources & LinksThe Feedback Fix — Free ToolBook a DISC Deep Dive with DawnRelated EpisodeEp. 071 | Say It Like a Leader: The Feedback Framework Every Female Founder Needs — Builds on coaching and feedback styles that improve team execution (critical for delegation and alignment). Ep. 072 | How Female Founders Delegate Like a CEO Before They Burn Out — A foundational dive into why delegation matters, how to stop doing everything yourself, and how smart delegation preserves your CEO time. Ep. 096 | The CEO Trap: How AI Ends Your Decision Fatigue and Frees You to Lead — Shows how to create decision frameworks that remove you as the bottleneck.Ep. 110 | 3 Custom GPTs That Save Female Founders 16 Hours a Week (+ Build Your First in 10 Minutes) — Includes the Team Delegator GPT concept (useful for automating delegation prep + team instructions). Send us a textWant to increase revenue and impact? Listen to “She's That Founder” for insights on business strategy and female leadership to scale your business. Each episode offers advice on effective communication, team building, and management. Learn to master routines and systems to boost productivity and prevent burnout. Our delegation tips and business consulting will advance your executive leadership skills and presence.

Are great leaders born—or developed?In this episode, we explore the concept of High Potential and what truly drives leadership effectiveness beyond skills, titles, or experience. Using research-backed insights from the High Potential Trait Indicator (HPTI), this conversation breaks down how personality traits influence leadership capacity—and how those traits can be developed over time.You'll learn the difference between behavioral models (like DISC) and personality traits, how leadership potential is defined, and why most people have far more growth capacity than they realize.We dive into the first three of six High Potential traits and examine how they show up in leaders, individuals, and teams:Conscientiousness – the strongest predictor of leadership success, tied to discipline, organization, and goal focusAdjustment – emotional resilience under stress and pressureCuriosity – openness to learning, innovation, and new ways of thinkingYou'll also hear sample assessment questions, real-world reflections, and a discussion on why too much of a good trait can become a challenge.This episode sets the foundation for understanding leadership as something that can be intentionally shaped—not something you either have or don't. Next episode: We'll continue with the remaining three High Potential traits and explore deeper leadership insights.In This Episode:What “high potential” really means in leadershipPersonality traits vs. behavioural stylesThe six traits used to assess leadership potentialWhy conscientiousness matters more than talent aloneHow stress resilience impacts performanceThe role curiosity plays in growth and adaptabilityWhy balance—not extremes—creates strong leaders and teamsIf you're interested in learning more about the High Potential Trait Indicator for leadership development, hiring, or coaching, reach out to learn more.Let's Connectdiscoverwhatworks@gmail.comhttps://pod.link/1614071253https://discoverwhatworks.org/https://www.facebook.com/VictoriaDISChttps://www.instagram.com/discoverwhatworks/https://www.linkedin.com/in/discoverwhatworks#HighPotential #LeadershipDevelopment #Personality #DISC #TeamDynamics #ProfessionalGrowthMentioned in this episode:Fast FactsHow to work with Victoria Theriault and DISCover What Works

Programa oficial de la iglesia Discípulos de Cristo en el Señorial 

In this conversation, career ownership coach Maja Taylor shares powerful insights on what it truly means to take control of your professional future. She talks about helping leaders and professionals explore new career paths, including entrepreneurship, so they can maximize their potential and build careers that fully align with their goals and values. Maja encourages listeners to regularly review their career direction, consider alternative income streams and stay open to possibilities that may lead to greater fulfillment and independence. Employee Engagement and the Need for Better Guidance Michael discusses the growing disconnect many employees feel in today's workplace and highlights how small businesses and leaders can play a pivotal role in guiding their teams toward greater engagement and clarity. He emphasizes the value of career exploration and meaningful conversations that help individuals uncover interests, strengths and untapped potential. Michael also shares personal stories about stepping into new roles without a perfect plan and learning through adaptability, curiosity and experience. Navigating Burnout and Workplace Uncertainty Maja speaks candidly about the rising rates of burnout she sees among clients, driven by layoffs, constant change and market instability. She explains how her coaching practice supports individuals during these challenging transitions by helping them rediscover confidence, purpose and possibility. Maja also reflects on her own journey from science to HR to leadership coaching, revealing how each chapter deepened her passion for helping others achieve greater self sufficiency and work life balance. Corporate Experience as a Launchpad for Entrepreneurship Michael reminds listeners that entrepreneurship is rarely about starting from zero. Skills gained in corporate environments, from operational insight to relationship building, can become powerful assets when launching a business. He encourages people to recognize the value of their existing expertise and leverage it instead of discounting it. Career Coaching for the Shift Into Business Ownership Maja outlines her approach to coaching professionals who are evaluating entrepreneurship, especially those who feel drained by corporate roles or stuck in burnout cycles. She uses assessments to help clients recognize their strengths and potential, and stresses the importance of being open minded as they explore ownership opportunities. Michael adds that many people underestimate their abilities due to work environments that suppress creativity and curiosity. Curiosity as a Catalyst for Breakthroughs Michael shares a personal story about taking a personality assessment with his former CEO and discovering they shared the same profile. The experience reminded him that curiosity is a powerful driver of self awareness and growth. He encourages listeners to lean into curiosity as a tool for breakthroughs, career shifts and life changing clarity. Goal Setting, Reflection and a Free DISC Assessment Maja talks about the impact of written goals, noting that only a small percentage of people write down their goals, yet nearly all who do achieve them. She offers a complimentary executive DISC assessment to help listeners better understand their personality patterns and career strengths. Michael encourages everyone to take advantage of the offer and reminds listeners that Maja's contact information and social links are included in the show notes below.   Maja Taylor is a Career Ownership Coach with The Entrepreneur's Source, where she guides people who are ready to step outside the traditional job market and into new possibilities. She supports clients as they explore entrepreneurship, business ownership, investments, licensing, and franchising, helping them design a career path that aligns with their values, strengths and long term vision. Maja is driven by a deep passion for personal transformation and lifelong learning. She thrives on watching clients experience those pivotal AHA moments when they realize what they are truly capable of. Her mission is to help people rise to their full potential by building careers and businesses that reflect who they are and the life they want to create. With a foundation in science education and talent development, Maja has worked across Europe and the United States in global organizations as a team leader, scientist, strategic HR professional, trainer, coach and mentor. She brings a unique blend of analytical thinking, people development expertise, and business strategy to every client engagement. Her work focuses on helping individuals grow their dreams, wealth and personal equity as they move toward self sufficiency and higher levels of fulfillment and success. Background Overview • Business Owner and Certified Professional Coach • Global Talent, Learning and Engagement roles in Pharma and Biotech • Management consulting experience with Fortune 500 organizations • Scientific and HR leadership roles in manufacturing and environmental industries • Education: BS in Pharmacy, University of Applied Sciences, Wiesbaden, Germany • Credentials: Certified Coach, Human Resources Professional, Leadership Trainer and Facilitator; certified in DiSC, 360 assessments and multiple professional development tools Connect with Maja Website: www.majataylor.esourcecoach.com Email: majataylor@esourcecoach.com LinkedIn: https://www.linkedin.com/in/majataylor/ Facebook: https://www.facebook.com/majataylorcoach Instagram: https://www.instagram.com/majataylorcoach For your audience, add to captions, free offer – DiSC assessment with debrief - a $200 value – if your listeners reach out to me on social media/LI/Insta/FB/ or my website and book a call at www.majataylor.esourcecoach.com

This Week on The Hudson Valley Disc Golf Podcast: Alex, Randy, Corey, Tim, Erich and Jaimen join to recap the last week in local disc golf. We went over the few events that occurred last week and looked ahead at some of the events upcoming, including making picks for both The Kisco Klassic and First Trax. We discussed some details about the HVDGPPotY and made a corresponding pick for Player of the Year in the MA40 division. We finished it off with a round of Disc or No Disc with the rest of our Year in Review local disc golf quiz.Support the showSpecial Thanks to our Patreon Supporters: Branden Cline, Tim Goyette, Peter Hodge, Ryan Nelson, Kevin T. Kroencke, Brian Monahan, Corey Cook, Evan Parsley, Mark Bryan, Nick Warren, Jasan Lasasso, Justin Mucelli, Terry Hudson, Kyle Hirsch, Brian Bickersmith, Sparky Spaulding, Mike Schwartz, Erich Struna, William Byrne, Jeff Wiechowski, Sean Dollard, Jack Bradley, Marcia Focht, Justin Hickok, Troy Vassari and Erik Haenel.

Why do we take personality tests to understand ourselves and then use that understanding to never change?Merrick Rosenberg breaks down personality intelligence and why most assessments keep you functioning at acceptable dysfunction. This conversation goes beyond surface level advice into how to master all four personality styles instead of staying locked in one.What you'll discover:Why your brain rewards you for being authenticHow to read others and meet their actual needsThe five year timeline for real behavioral changeMerrick Rosenberg is the creator of the DISC personality system using bird styles. He's spent decades teaching people how to become chameleons who can access any personality style at the right moment.Ready to go deeper? Join the Mind Love Collective for monthly themed calls where we work through exactly this kind of transformation. Details at https://mindlove.com/joinSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

** Ponte en presencia de Dios. Trata de hablar con Él. ** 10 minutos son 10 minutos aunque te puedas distraer. Llega hasta el final. ** Sé constante. El Espíritu Santo actúa “a fuego lento” y requiere constancia. Audios de 10 minutos que te ayudan a rezar. Un pasaje del Evangelio, una idea, una anécdota y un sacerdote que te habla y habla al Señor invitándote a compartir tu intimidad con Dios. Busca tu momento, piensa que estás con Él y dale al play. Toda la info en nuestra web: www.10minutosconjesus.org diezminutosconjesus@gmail.com Para recibir cada día tu meditación por Whatsapp pulsa aquí: http://dozz.es/nu36t