Podcasts about drives

Is customer experience (CX) the NEW marketing? Or has it always been? Marketing gets people in the door. Customer experience decides if they stay. Every ad, every touchpoint, every promise—it's all CX. So why do so many companies still treat them as separate? In this episode of Doing CX Right, Stacy Sherman and Nicole Donnelly challenge this outdated mindset. They discuss why great marketing fails without great customer experience, how AI is reshaping market research, and why data alone isn't enough. Plus, hear how one brand drove real growth by putting experience first—and how you can apply the same strategies to your business. Learn more at   Access our FREE Customer Experience Audit Tool:   Grow as a CX Professional with our numerous   Book time with Stacy . 

Red Meat is a special collection of Audacy's top conservative talk audio: If everything around you seems more expensive this summer, you're not wrong. Learn about new AI pricing techniques that are charging more for the things you're most interested in. Plus, get to the bottom of Donald Trump's beef with the job numbers and discover how green energy initiatives are making some utility bills skyrocket .

Red Meat is a special collection of Audacy's top conservative talk audio: If everything around you seems more expensive this summer, you're not wrong. Learn about new AI pricing techniques that are charging more for the things you're most interested in. Plus, get to the bottom of Donald Trump's beef with the job numbers and discover how green energy initiatives are making some utility bills skyrocket .

Red Meat is a special collection of Audacy's top conservative talk audio: If everything around you seems more expensive this summer, you're not wrong. Learn about new AI pricing techniques that are charging more for the things you're most interested in. Plus, get to the bottom of Donald Trump's beef with the job numbers and discover how green energy initiatives are making some utility bills skyrocket .

Achieving alignment between personal strengths and business roles leads to effortless and natural success. I emphasize the importance of finding roles or building businesses that complement your natural gifts and values. Human Design and Enneagram can aid in self-discovery. Plus, challenges of generative AI technology. Finally, hear what you can get out of my newly expanded coaching for branding and marketing.Chapters:(00:00) Introduction to alignment(00:42) Individual-business fit (beyond product-market fit)(01:29) Supporter - Wealth Dynamics(02:11) Enneagram. Human Design. Video: Are You a Projector or Generator? Human Design(02:49) Importance of brand alignment(03:56) Media is most powerful of four levers in business (Naval)(04:28) Leveraging media(05:03) One-person business models, AI agent startups(05:18) Vibe coding, AI hallucinations(05:22) AI and the future of business(07:00) Executive coaching - personal brand offer: emilybinder.com/callLinks mentioned:Episode: Four Levers in Your Business (Naval concept)Ron Lynch post: August 5th Google AI Search Results: "Mercury Retrograde was from July 18-August 11, 2025."My podcast tools:Record on Riverside: emilybinder.com/riversideRecord / edit with AI (Descript): emilybinder.com/descriptShop my gear: beetlemoment.com/gearHire me:Speaking: emilybinder.com/speakingAdvisory: emilybinder.com/callBring me into your next Zoom: thinkersone.com/emilybinderConnect:This podcast | My website | Beetle Moment Marketing | LinkedIn | X | Instagram | TikTok | YouTube | Email updates Hosted on Acast. See acast.com/privacy for more information.

Saar Shai, co-founder of Wanderland, returns to share how a simple idea—born from watching his own kids on vacation—is changing the way hotels welcome families. (See our first conversation here.) Since our last conversation, Saar has been working with leading hotel brands to introduce “Screener,” a modular, themed room divider that gives kids their own space while improving the stay experience for parents.We explore how this innovation solves a common operational challenge—limited connecting rooms—while creating memorable moments that drive guest loyalty. Saar also shares what he's learned about building partnerships with creative hoteliers, the traits that make them open to new ideas, and why starting small often leads to the biggest wins.If you want to delight your youngest guests, strengthen family loyalty, and spark more creativity in your operations, this conversation will give you ideas you can put to work today.Links:The Global Kids Hospitality ReportRecent photo posts from Saar on LinkedIn A few more resources: If you're new to Hospitality Daily, start here. You can send me a message here with questions, comments, or guest suggestions If you want to get my summary and actionable insights from each episode delivered to your inbox each day, subscribe here for free. Follow Hospitality Daily and join the conversation on YouTube, LinkedIn, and Instagram. If you want to advertise on Hospitality Daily, here are the ways we can work together. If you found this episode interesting or helpful, send it to someone on your team so you can turn the ideas into action and benefit your business and the people you serve! Music for this show is produced by Clay Bassford of Bespoke Sound: Music Identity Design for Hospitality Brands

In this episode of Restoration Pros Unplugged, host Clinton James interviews Chris Nordyke, President and Co-founder of Floodlight Consulting Group, to unpack what it really takes to build and scale high-performing sales teams in the restoration industry.With deep industry experience and a passion for business growth, Chris shares the foundational strategies behind Floodlight's success and how their Fractional Sales Leadership model is transforming how restoration companies pursue and close profitable commercial work.Key topics covered in this episode:Chris's journey from the field to leading one of the industry's top consulting firmsThe origin and mission behind Floodlight Consulting GroupThe value of 1-on-1 custom consulting for restoration owners and leadership teamsWhat makes Floodlight's Fractional Sales Management service a game-changer for companies wanting to grow without hiring full-time sales managersHow to build and lead sales teams that consistently land commercial restoration contractsThe most critical KPI's every restoration company should be tracking to measure growth, accountability, and profitabilityInsights into current industry challenges, future trends, and the move from hustle to strategic scalabilityWhy understanding and improving your company's enterprise value is more important now than everActionable takeaways restoration pros can implement immediately to gain clarity, momentum, and resultsWhether you're a restoration veteran or a growth-focused business owner, this episode is packed with real strategies, data-backed insights, and expert perspective to elevate your operation.Visit: floodlightgrp.com to learn more about consulting services, assessments, and training tools mentioned in the episode.-----Want to grow your restoration brand and generate more water jobs with expert marketing?Book a free strategy session with our team at Water Restoration Marketing:https://www.waterrestorationmarketing.net/schedule

Red Meat is a special collection of Audacy's top conservative talk audio: If everything around you seems more expensive this summer, you're not wrong. Learn about new AI pricing techniques that are charging more for the things you're most interested in. Plus, get to the bottom of Donald Trump's beef with the job numbers and discover how green energy initiatives are making some utility bills skyrocket .

Red Meat is a special collection of Audacy's top conservative talk audio: If everything around you seems more expensive this summer, you're not wrong. Learn about new AI pricing techniques that are charging more for the things you're most interested in. Plus, get to the bottom of Donald Trump's beef with the job numbers and discover how green energy initiatives are making some utility bills skyrocket .

Red Meat is a special collection of Audacy's top conservative talk audio: If everything around you seems more expensive this summer, you're not wrong. Learn about new AI pricing techniques that are charging more for the things you're most interested in. Plus, get to the bottom of Donald Trump's beef with the job numbers and discover how green energy initiatives are making some utility bills skyrocket .

In 2023, Dan Kurtz-Phelan spoke with the historians Stephen Kotkin and Orville Schell about what drives Chinese President Xi Jinping and Russian President Vladimir Putin and how they are (and are not) like Mao and Stalin.  Xi and Putin loom over geopolitics in a way that few leaders have in decades. Not even Mao and Stalin drove global events the way Xi and Putin do today. Who they are, how they view the world, and what they want are some of the most important and pressing questions in foreign policy and international affairs.  Kotkin and Schell are two of the best scholars to explore these issues. Kotkin is the author of seminal scholarship on Russia, the Soviet Union, and global history, including an acclaimed three-volume biography of Stalin. He is a senior fellow at Stanford University's Freeman Spogli Institute for International Studies and the Kleinheinz Senior Fellow at the Hoover Institution. Schell is the Arthur Ross director of the Center on U.S.-China Relations at the Asia Society. He is the author of 15 books, ten of them about China. He is also a former professor and dean at the University of California, Berkeley Graduate School of Journalism. 

What does it take to transform a mission-driven organization into a high-velocity execution machine? Today, Peter Winick sits down with Suba Vasudevan, COO of Mozilla, to explore how thought leadership drives impact inside and outside the organization. Suba isn't just talking about brand elevation—she's focused on aligning thought leadership with Mozilla's double bottom line: financial success and a healthy internet. You'll hear how she uses thought leadership to drive strategic clarity, cultural alignment, and real-world execution across a global, mission-focused team. Suba unpacks how leaders can build trust, model transparency, and scale their thinking across a workforce by showing up authentically—whether that's in a Slack message or on a podcast. From AI adoption to KPIs, Suba makes it clear: thought leadership isn't optional for modern executives—it's core to leading transformation. She offers a candid look at how leaders should use their voice—not just for visibility, but as a catalyst for cultural change, employee productivity, and long-term innovation. Suba's message is simple and powerful: If you're not investing in thought leadership, you're holding your team back. Three Key Takeaways: • Thought Leadership Is a Leadership Imperative Suba emphasizes that thought leadership isn't optional—it's foundational to effective leadership in today's world. It's how leaders align teams, build trust, and scale their vision across an organization. She views it as table stakes for anyone serious about transformation. • Execution and Culture Must Be Intertwined Driving results at Mozilla means more than setting KPIs. Suba connects culture to execution, highlighting that metrics only matter when they're backed by employee belief, buy-in, and shared values. Thought leadership is her tool to bridge that gap. • AI Is a Culture Shift, Not Just a Tech Shift Suba doesn't just endorse using AI—she models it. By openly using tools like ChatGPT and encouraging her team to do the same, she's shaping a culture of innovation, experimentation, and productivity. Her approach shows how leadership can normalize and accelerate change from the top. If you found Suba Vasudevan's episode valuable—especially her take on aligning leadership, culture, and execution—then you won't want to miss our conversation with Harry Kraemer on Value-Based Thought Leadership. Like Suba, Harry emphasizes the power of authenticity, clarity, and consistency in leadership. He explores how values-driven decision-making builds trust, scales alignment, and creates long-term impact inside complex organizations. While Suba applies these principles to tech and innovation, Harry brings a timeless leadership lens from his experience as a CEO and professor at Kellogg.

0:00 - The Broncos are in Santa Clara to practice with the Niners today! What is our Broncos expert Jeff Legwold expecting to see in joint practice & the preseason game on Saturday?12:29 - John-Michael Liles called us on the phone to discuss the Avalanche Alumni game coming up at the end of the month...while biking up a mountain in Vail. 29:25 - Stick shifts are a dying breed. Who uses those things anymore?

In Episode 177, we are recasting our episode with Becky Burleigh, Co-Founder of What Drives Winning, former University of Florida Women's Soccer Coach (for 27 years), and Methodist College Hall of Famer, who talked with Phil and Paul about the life and leadership lessons she learned over the course of her playing career and her extensive coaching career at University of Florida and Berry College, the story behind What Drives Winning, some great WDW principles, her personal why, a defining moment in her career, and making the most of every opportunity. Specifically, Becky discusses: ·      Her personal story, including how she grew her passion for soccer, coaching, and leadership, and how she got to where she is today with What Drives Winning ·      Her personal why/mission statement and how she is living it out ·      What Drives Winning's mission and what she hopes people will get out of the great materials WDW produces ·      Two key questions that she asks herself every year and why we should do the same ·      Why she uses DISC model of human behavior in her work and why she believes all coaches should use it with their teams ·      The concept of weak voice vs. strong voice and what we can do about it ·      “Struggle really a biological requirement for greatness” – Really? ·      Her defining moment and how it impacted her development ·      What advice she would like to give her 25-year-old self ·      The importance of finding a “thinking partner” ·      The good, bad, and ugly of US Soccer ·      How she has used lessons learned from the game in her relationships outside the game ·      Her recommendations Resources and Links from this Episode ·      What Drives Winning Website ·      Uncut Video of the Episode ·      HSEL Facebook Group ·      Warrior Way Soccer ·      Coaching the Bigger Game Program ·      Phil's email for DISC Training ·      The Talent Code: Greatness isn't born. It's Grown. Here's How, by Daniel Coyle ·      The Culture Code: The Secrets of Highly Successful Teams, by Daniel Coyle ·      What Drives Winning: Teams, by Becky Burleigh and Brett Ledbetter ·      “Welcome to Wrexham” (Hulu) ·      “Ted Lasso” (Apple TV+} ·      “38 in the Garden” (HBO Max)

In this episode of Mission Matters, host Adam Torres interviews Laura P. Chan, Founder & CEO of Recruiting Resources, Inc., who reflects on her 30-year career in executive search. From launching a business just before 9/11 to navigating three recessions and the rise of AI, Laura reveals how deep client and candidate relationships—not transactions—remain her firm's biggest differentiator. With a focus on accounting, finance, and HR talent, Laura's story highlights how staying mindful of mission and purpose leads to long-term impact. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: https://missionmatters.lpages.co/podcastguest/ Visit our website: https://missionmatters.com/ More FREE content from Mission Matters here: https://linktr.ee/missionmattersmedia Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, we are sharing what drives us bananas! Wellness nonsense that we saw and are sharing WHY it's not worth listening to! We want to hear from you! What did you see this week that drove you bananas? Tell us in the comments! The Eat More Carbs Podcast is the go-to podcast for the GIRLIES who want to fuel their body properly with easy, fun and simple nutrition! Hosted by Reilly Beatty and Jenna Fisher, two registered dietitians that bring you weekly episodes to help you meet your goals while breaking free of diet culture.You can follow Reilly, Jenna and Lilly on Instagram @easy.sports.nutrition @jenna.fisher.nutrition and @lillyreimer.nutrition The Period Recovery Guide is now LIVE! Get your copy today! Use the code "EMC10" to get $20 OFFTo apply to the RBSN Period Recovery Program, visit reillybeatty.com or click here

Ep. 263  How Microsoft Drives Cloud-Powered Transformation in Federal Agencies   Connect to John Gilroy on LinkedIn   https://www.linkedin.com/in/john-gilroy/ Want to listen to other episodes? www.Federaltechpodcast.com Microsoft has been a behemoth in the world of information technology since its founding in 1985. The only way to understand how Microsoft can impact the federal government is to take a topic like AI and conduct a thorough analysis. Today, we sat down with Wole Moses, the Chief AI Officer for Microsoft Federal. He shares his perspective on how Microsoft's innovation can help federal agencies achieve their ambitious goals. Essentially, we discuss AI's role in cyber threats, legacy infrastructure, and compliance. Moses explains that Microsoft's AI assistant, Copilot, is integrated into various products to enhance productivity. He emphasizes the importance of a strategic approach to AI, aligning projects with agency missions and goals. Moses discusses the potential of AI to modernize legacy systems and processes, improve cybersecurity, and support software developers. In AI, multimodal refers to a system that utilizes text, images, audio, and even video. He also highlights the need for multimodal AI to expand communication capabilities and the importance of compliance with frameworks like FedRAMP and NIST RMF.   Connect to John Gilroy on LinkedIn   https://www.linkedin.com/in/john-gilroy/ Want to listen to other episodes? www.Federaltechpodcast.com

There's a moment in this conversation with 4x Olympic Champion Michael Johnson that stopped me in my tracks. He said, “Success doesn't care what you believe you deserve.”That line sums up what this episode is really about, the difference between wishing for results and doing the work required to earn them.Michael didn't become one of the most dominant athletes in history by chasing comfort. He became great by facing the hard truth. By asking himself the questions most of us avoid. And then doing something about it.In this episode, I unpack the habits Michael used throughout his life, from championship seasons to career-ending injuries to the day he was told he might never walk properly again. It's about discipline, honesty, and doing what it takes, not what feels easy.We explore:Why the best avoid shortcutsThe mindset Michael used to break recordsHow to handle setbacks without denialThe power of asking better questionsWhy doing the uncomfortable thing often leads to growthThis episode is a reminder that high performance doesn't come from believing you're ready. It comes from acting like it, even when no one's watching.Here is more information on the studies referenced: Self-Regulation and Performance in Elite Athletes (Joanne Hudson & Dave Day 2016, Journal of Sport & Exercise Psychology)What Self-Awareness Really Is (and How to Cultivate It), (Dr. Tasha Eurich, Harvard Business Review)Emotion Regulation Choice (Gal Sheppes et al. 2012)Mindset: The New Psychology of Success (Carol Dweck)Self-Control and Grit (Angela Duckworth et al. (2020), Personality and Individual Differences)Listen to the full episode with Michael Johnson: https://pod.fo/e/254ca8

Kurt Gray is a professor of psychology and neuroscience, and the author of "Outraged: Why We Fight About Morality and Politics and How to Find Common Ground." In this episode,. Kurt explains why our workplaces have become battlegrounds of moral outrage. Kurt's groundbreaking premise challenges the fundamental assumptions leaders make about motivation and conflict. While we've been taught that humans are driven by conquest and dominance, Kurt's research reveals we're actually hardwired as prey animals, constantly scanning for threats and seeking protection through tribal bonds. This isn't just academic theory—it's the key to understanding why your team members react with such intensity to seemingly minor workplace conflicts, why facts fail to resolve disputes, and why traditional leadership approaches often backfire in our current climate of perpetual outrage. Kurt reveals why social media has weaponized our ancient prey instincts, creating what Kurt calls "moral panics" that spread faster than ever before. Kurt introduces the revolutionary concept of "stories of harm"—the narratives that drive all moral conflict. Kurt also discusses the "vulnerability paradox"—how the strongest leaders actually become more effective by showing vulnerability first.  Kurt outlines his practical framework for CIVil discourse: Connect, Invite, and Validate. This isn't corporate speak or sensitivity training. It's a research-backed approach that acknowledges our prey psychology while channeling it toward productive outcomes. Leaders learn how to connect with people as human beings before diving into disagreements, how to genuinely invite different perspectives without triggering defensive responses, and how to validate concerns without necessarily agreeing with conclusions. This episode is a timely reminder that outrage doesn't have to define us and that leadership starts with understanding how others perceive harm. You can find episode 471 wherever you get your podcasts! Watch this Episode on YouTube |   Key Takeaways [02:28] Kurt reveals he starts out in geophysics before transitioning to psychology, looking for natural gas in the Canadian wilderness before studying people's minds. [03:35] Kurt explains that while we think of humans as apex predators based on museum dioramas of cave people with spears, we're actually fairly weak and were more likely hiding from predators in the past, worried about getting eaten. [06:49] Kurt explains that people work together in groups for protection - one human naked in the wilderness won't survive long, so we need teams to help us survive and protect each other from threats. [08:17] Kurt explains that emotions and gut feelings drive our decisions more than facts, and when people have strong moral convictions, they dismiss facts from the other side as "not the right facts" or "not real facts." [11:24] Kurt suggests framing challenges as positive ways to rise to the occasion rather than focusing on fear, emphasizing resilience and future-facing thinking about how teams can be stronger. [13:21] Kurt emphasizes seeing people as three-dimensional rather than flattening them to just the opinion you disagree with, and highlighting common values and missions that organizations share. [14:54] Kurt acknowledges the trend of self-segregation but suggests focusing on deeper unifying concerns about protecting ourselves, families, companies, and nations from harm. [17:57] Kurt explains multiple factors including cable news, social media's ability to incite moral panics through limitless threats paired with virality metrics, and the resulting purity tests when people feel threatened. Kurt explains that debates often center on "who's the real victim" - in immigration, the right sees American citizens as victims while the left sees undocumented immigrants as victims fleeing violence. [23:16] Kurt explains that in group conflicts, minds think of moral competitions as binary (perpetrator or victim), and people stick to victimhood claims because it's better to be the victim than the perpetrator. [27:51] Kurt explains that vulnerability creates connection - when forced to be vulnerable with others (like being stuck in wilderness conditions), people bond incredibly because they're all in trouble together. [30:38] Kurt references Nick Epley's studies where people on Chicago trains think deep conversations would be awkward but actually love them, bonding much faster through meaningful questions rather than small talk. [32:54] Kurt confirms this, explaining our minds are hardwired to find threats, so when obvious threats like starvation don't exist, we expand minor threats into big ones - calling this "creep of harm." [36:28] Kurt confirms that our minds evolve to protect us from harm by paying attention to places where we feel victimized in the past, like always remembering an intersection where you get mugged. [39:01] Kurt outlines Connect (ask questions to connect as human beings before discussing politics), Invite (genuinely invite them to share beliefs with motivation to understand), and Validate (appreciate their vulnerability in sharing without immediately arguing back). [43:28] Kurt emphasizes asking "what harms do they see?" when confronted with someone who disagrees, as this takes you out of your own mind into theirs and allows you to meet them where they're at. [45:38] And remember...“Morality is not the doctrine of how we may make ourselves happy, but how we may make ourselves worthy of happiness.” - Immanuel Kant Quotable Quotes "We are more hunted than hunter." "Conflict flattens people and it flattens people to just the opinion that they have that you disagree with." "People say, you know what I want. I want the facts... And then people say, not those facts. Those are not the right facts. Those are not real facts. Facts are very flimsy, especially in cases where we have strong moral convictions." "Social media is so good at inciting moral panics because it has two features. One of them is a limitless supply of threats... And two, it pairs these threats with virality metrics." "The way to be comfortable being vulnerable with others is, in fact, by trying to get other people to be comfortable being vulnerable with you." "The safer we are, the more we take minor threats and we expand them in our minds to be big threats." "We should, as leaders take a Hippocratic oath to do no harm." "The reason we work is not just to make money and take care of our families. We work, you know, in the service of other human beings to make other people's lives better." "A lot of the behavior we see in the work world is based on fear."   These are the books mentioned in this episode   Resources Mentioned The Leadership Podcast | Sponsored by | Rafti Advisors. LLC | Self-Reliant Leadership. LLC | Kurt Gray Website | Kurt Gray X | Kurt Gray LinkedIn | Kurt Gray Instagram |  

Dynatrace (DT) posted an earnings beat and raised guidance, and Steven Dickens points to its diversification in A.I. as the reason for growth. As he explains, it also serves as an indicator that automation is here to stay as companies search for ways to improve their bottom line. Steven later notes how we're starting to enter the "platform A.I. era."======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

If your marketing isn't working as hard as it should, your brand messaging might be the silent culprit. In this episode, we break down why brand messaging actually is not mission statements or buzzwords, but the strategic language that shapes how people perceive your business.From clarifying your value proposition to dialing in your voice, tone, and positioning, we walk through a proven framework to help your brand stand out, convert better, and grow faster. We'll also show you the consequences of getting it wrong and how to know when your messaging needs a serious overhaul. Watch this if you're ready to go from “blending in” to “owning your space” in the market.Want to read the full blog?https://elevatedmarketing.solutions/from-confused-to-clear-crafting-brand-messaging-that-actually-drives-growth

Don and Tom open the show with a lighthearted reminder that money doesn't sleep—so neither do they. They dive into a New York Times article featuring Goldman Sachs researchers who identify five patterns that influence retirement accounts and market behavior. The duo emphasizes that while market predictions are near-impossible, understanding these patterns can inform better investor behavior—particularly the value of diversification. Listener questions cover whether you still need a financial advisor with a $2 million DIY retirement portfolio, the logic behind using a Roth as an emergency fund, tax-efficient asset liquidation, and Washington State's retirement target-date fund asset mix. A politically charged final call touches on concerns about data integrity at the Bureau of Labor Statistics and its potential market impact. 0:04 Markets don't rest—so why should financial advice? 1:07 What really drives your retirement account? 2:20 Five market-moving forces from Goldman Sachs/NYT 3:50 Surprise events, political chaos, and market reactions 5:34 Can you predict the market? Probably not. 6:47 Five patterns investors should know 8:12 Diversification actually works—examples and evidence 9:05 Market shock fatigue: building immunity to bad news 10:39 Quit aiming for home runs; try for batting .750 11:45 Why boring investing is the best kind 13:12 Listener Lisa: High-yield savings vs. Vanguard VMFXX 19:46 Lisa's DIY retirement strategy—does she need an advisor? 22:32 Money market vs. high-yield savings yield comparison 23:06 Listener James: Is a Roth a good place for emergency funds? 25:13 Roth should be your last resort, not first cash stop 26:18 Don't guess—plan 27:08 Listener Jimmy: Tax lots, cash needs, and overthinking 30:31 Portfolio drawdown strategy: tax hierarchy matters 32:00 Listener John: Washington State deferred comp concerns 34:26 Why build your own allocation in target-date funds 35:16 Private equity and bacon: Not in your 401(k), please 36:00 Listener Jason: Politicizing BLS jobs data—market risks Learn more about your ad choices. Visit megaphone.fm/adchoices

In the most recent episode of Better Money Better World, Daniel speaks with Vikas Raj, Co-Founder & Managing Partner of ResilienceVC. ResilienceVC is a seed-stage fintech fund relentlessly focused on building financial resilience for underserved and low-to-moderate-income Americans.ResilienceVC doesn't just aim for financial inclusion. They meticulously track “resilience dollars” created by their portfolio companies: the actual increase in income, wealth, and risk reduction for end-users. This approach ensures investment returns are matched with measurable, life-improving impact.The conversation also gravitates toward AI and its impact on the fintech industry and the necessity that the technological leaps promote transparency, ethical use, and equitable outcomes, thereby avoiding biased models and predatory practices.If you enjoy this conversation and want to learn more about how investing for impact drives returns, visit us at www.impactcapitalmanagers.com.

That question — “Would you keep doing your ministry if you weren't paid?” — drives me nuts. Ministry isn't one-size-fits-all, and neither is pay. Some serve as a career, others as a calling — and both deserve respect. This episode isn't about right or wrong; it's about honesty, healthy boundaries, and giving yourself permission to choose what works for your life, whether that includes a paycheck or not.What You'll Hear:How the “Would you work for free?” question misses the messy, real-life truth about small church ministryWhy budgets don't always reflect the value churches place on ministry rolesWhen unclear expectations can lead to hurt—and why clear boundaries protect everyoneJoin our free Facebook Community: www.facebook.com/groups/smallchurchministryRate, Review, & Follow Laurie on Apple Podcasts"I love Laurie and The Small Church Ministry Podcast!!"

In a market flooded with pitch decks and pro forma promises, what actually drives durable returns in private real estate?  In this episode, Jim sits down with Jacob Vanderslice of VanWest Partners to dissect the operational backbone of self-storage, the risks behind the spreadsheets, and why real investors focus on downside protection more than projected upside. Key Takeaways: Self-storage is an operating business. With granular rent streams, month-to-month leases, and retail-level management, it's not just real estate—it's operations. Cycles expose weak decisions. Jacob shares how forced timing, tax pressures, and poor planning can destroy returns—and how to avoid those traps. The right questions matter. A good pitch isn't enough. Investors should ask about worst-case outcomes, not just IRR targets. Self-storage may look simple from the outside, but as Jacob Vanderslice makes clear, consistent returns come from disciplined operations, not market timing. W hether you're using Infinite Banking or other private capital strategies, the message is the same: know your operator, understand the risks, and focus on long-term execution—not short-term projections. Connect with Jacob Vanderslice: Website: www.vanwestpartners.com/ Linkedin: www.linkedin.com/in/jacob-vanderslice-02905b16b/  

In this episode, join host Adam Stoker and guest Danielle Hollander, Chief Marketing Officer at Visit Orlando, as they explore the importance of strategic planning for destinations of all sizes. Danielle shares how her agency background prepared her for her role as CMO and how Visit Orlando used the challenges of a leadership change during COVID-19 to reset and develop a new strategic plan. She explains why the strategic planning process is just as important as the final document and offers advice on how to conduct it effectively, even with a limited budget. This episode is a must-listen for any destination leader looking to align their team, serve stakeholders, and ensure their organization's long-term success. Subscribe to our ⁠⁠⁠⁠newsletter⁠⁠⁠⁠! The ⁠⁠⁠⁠Destination Marketing Podcast⁠⁠⁠⁠ is a part of the ⁠⁠⁠⁠Destination Marketing Podcast Network⁠⁠⁠⁠. It is hosted by Adam Stoker and produced by Brand Revolt. If you are interested in any of Brand Revolt's services, please email ⁠⁠⁠⁠adam@thebrandrevolt.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠www.thebrandrevolt.com⁠⁠⁠⁠. To learn more about the Destination Marketing Podcast network and to listen to our other shows, please visit ⁠⁠⁠⁠www.thedmpn.com⁠⁠⁠⁠. If you are interested in joining the network, please email ⁠⁠⁠⁠adam@thebrandrevolt.com⁠⁠⁠⁠.

In this episode of Building Better Developers with AI, Rob Broadhead and Michael Meloche delve into the often-overlooked yet crucial topic of customer success. Revisiting a previous episode, "Customer Success - Delivering value on a budget," with AI's help, they reframe how developers and founders can deliver long-term value—even on a limited budget. “Customer success isn't optional—it's how you grow sustainably.” Unlike reactive customer support, customer success is a proactive mindset. It ensures that what you build helps users meet their goals, reduce friction, and ultimately drive business results—for both them and you. The Key Difference: Support Reacts. Success Delivers. Many developers conflate customer support with customer success, but they serve very different roles: Support fixes problems when users hit a wall. Success removes those walls altogether. Callout: “When you build for success, you become an investment—not just a cost.” Developers should aim to reduce effort, automate pain points, and align solutions with customer outcomes. That's when your work becomes mission-critical. Busting the Budget Myth A common misconception is that customer success programs are a luxury reserved only for large companies. The truth? Small teams may need it even more. Michael shares a real-world example: After years of manually maintaining a client's outdated systems, a simple upgrade cut service time from three days to four hours. That's budget-friendly success with measurable ROI.

Map the Deep Sea to protect what we don't yet understand. In this episode, Andrew Lewin speaks with Tim Kearns from Map the Gaps, a global initiative working to close the knowledge gap beneath the waves. With over 75% of the seafloor still unmapped in high resolution, the ocean remains Earth's final frontier—and unlocking its secrets is essential for biodiversity, disaster planning, and climate action. Ocean mapping is more than bathymetry. It's a tool for social justice, environmental stewardship, and informed decision-making. Tim shares how Map the Gaps supports small island nations, Indigenous communities, and global science efforts through collaboration and cutting-edge technology. From an exploration policy perspective, this conversation makes a clear case: mapping the deep sea is the foundation for a sustainable ocean future. Website: https://www.mapthegaps.org/ Map the Gaps Website: https://www.mapthegaps.org/symposium Join the Undertow: https://www.speakupforblue.com/jointheundertow Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube    

In this episode, we explore Amazon's multi-channel fulfillment service and how it helps Shopify merchants use their existing Amazon inventory to ship orders from multiple sales channels. Cara Hefty from ByteStand explains how this automated system works, covering everything from inventory management to shipping rules, social commerce integration, and cost-effective fulfillment strategies that can boost both your Shopify sales and Amazon rankings. Topics discussed in this episode:  What is Amazon MCF. Why MCF simplifies fulfillment for Shopify sellers. How automation boosts multi-channel efficiency. What makes ByteStand ideal for Shopify-Amazon sync. Why virtual bundles help boost order value. How shipping rules cut fulfillment costs. Why order delay features prevent fulfillment issues. How auto-tracking improves customer experience. Why social commerce is key for growth. How ByteStand makes onboarding fast and easy. What makes ByteStand's pricing clear and fair. Links & Resources Website: https://bytestand.com/ Shopify App Store: https://apps.shopify.com/fba-shipping Facebook: https://www.facebook.com/bytestand Get access to more free resources by visiting the show notes athttps://tinyurl.com/4k8twsmmMORE RESOURCES Subscribe to our FREE Newsletter: https://newsletter.ecommercecoffeebreak.com/ Free Store Optimization Beginners Guide: Instant PDF Download!

Ashley just had her tags expire on her right around her birthday last month... and she still hasn't renewed them! See omnystudio.com/listener for privacy information.

Ashley just had her tags expire on her right around her birthday last month... and she still hasn't renewed them!

Wall Street notched its best day since May, with the S&P 500 jumping 1.5% as weaker US payrolls boosted hopes for rate cuts. Investors took the soft jobs data as a sign that the Fed may ease policy sooner than expected. Meanwhile, Tesla rallied after news of a $30 billion pay deal for Elon Musk, while Spotify shares climbed on news of premium subscription price hikes. In retail, American Eagle soared over 20%, driven by Sydney Sweeney’s viral campaign and a surprise endorsement from Donald Trump. On the commodities front, oil prices fell as OPEC raised output, easing supply concerns and pressuring energy stocks. Back home, the ASX is set to open higher, with investors awaiting job ads and spending data for local economic cues. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

The automotive aftermarket often flies under the radar—but it plays a major role in advancing engineering, manufacturing, and performance. In this episode, Mike Spagnola, President & CEO of SEMA and PRI, joins me to explore how the specialty automotive sector is driving innovation across ICE, hybrid, EV, hydrogen, and beyond.We dive into how SEMA supports manufacturers with hands-on product development, CAD data, vehicle scanning, emissions testing, and ADAS calibration. Mike also shares his perspective on regulatory trends, technology-neutral advocacy, and what makes the SEMA Show such a powerful platform for connection and growth.If you care about how products actually get developed—and how small and mid-size companies are building the future of transportation—this conversation is for you.About MikeMike Spagnola is the President & CEO of SEMA (Specialty Equipment Market Association) and PRI (Performance Racing Industry). Before stepping into this leadership role, Mike built and sold multiple companies in the automotive aftermarket, led product development efforts, and served on SEMA's board. He's a hands-on car guy who understands the needs of manufacturers, retailers, regulators, and racers alike.About SEMASEMA is a nonprofit trade association that supports over 7,000 member companies across the automotive aftermarket. From CAD access and regulatory guidance to emissions labs and the world-renowned SEMA Show, their mission is to help small and mid-sized companies grow and compete globally.Key Topics:What the automotive aftermarket actually is—and why it mattersSEMA Garages and how they help manufacturers develop, test, and certify productsNavigating CARB, EPA, and emissions compliance for performance partsWhy access to CAD data and pre-release vehicles is a game changerWhat happens to ADAS systems when you modify ride height, tires, or wrap a carHow SEMA advocates for a technology-neutral approach (ICE, hybrid, EV, hydrogen)Behind the scenes of the SEMA Show—and what success really looks likeThe real impact of aftermarket innovation on the transportation ecosystemChapters:Mike's Background and Passion for the IndustryWhat SEMA Is and Who They SupportHow the SEMA Garages Enable Product DevelopmentNavigating Emissions Compliance and CARB RegulationsADAS Technology, Vehicle Modification, and Future StandardsProtecting the Industry Through Advocacy and EducationThe SEMA Show and What Makes It WorkClosing Reflections on Innovation, Community, and Impact

Welcome to the "Week in Review," where we delve into the true stories behind this week's headlines. Your host, Tony Brueski, joins hands with a rotating roster of guests, sharing their insights and analysis on a collection of intriguing, perplexing, and often chilling stories that made the news.       This is not your average news recap. With the sharp investigative lens of Tony and his guests, the show uncovers layers beneath the headlines, offering a comprehensive perspective that traditional news can often miss. From high-profile criminal trials to in-depth examinations of ongoing investigations, this podcast takes listeners on a fascinating journey through the world of true crime and current events.       Each episode navigates through multiple stories, illuminating their details with factual reporting, expert commentary, and engaging conversation. Tony and his guests discuss each case's nuances, complexities, and human elements, delivering a multi-dimensional understanding to their audience.  Whether you are a dedicated follower of true crime, or an everyday listener interested in the stories shaping our world, the "Week in Review" brings you the perfect balance of intrigue, information, and intelligent conversation. Expect thoughtful analysis, informed opinions, and thought-provoking discussions beyond the 24-hour news cycle. Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Welcome to the "Week in Review," where we delve into the true stories behind this week's headlines. Your host, Tony Brueski, joins hands with a rotating roster of guests, sharing their insights and analysis on a collection of intriguing, perplexing, and often chilling stories that made the news.       This is not your average news recap. With the sharp investigative lens of Tony and his guests, the show uncovers layers beneath the headlines, offering a comprehensive perspective that traditional news can often miss. From high-profile criminal trials to in-depth examinations of ongoing investigations, this podcast takes listeners on a fascinating journey through the world of true crime and current events.       Each episode navigates through multiple stories, illuminating their details with factual reporting, expert commentary, and engaging conversation. Tony and his guests discuss each case's nuances, complexities, and human elements, delivering a multi-dimensional understanding to their audience.  Whether you are a dedicated follower of true crime, or an everyday listener interested in the stories shaping our world, the "Week in Review" brings you the perfect balance of intrigue, information, and intelligent conversation. Expect thoughtful analysis, informed opinions, and thought-provoking discussions beyond the 24-hour news cycle. Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

You can theorise about Customer Experience all day, but gaining a Net Promoter score of 90 is not a theory. It shows a great focus and implementation of Customer Experience. This week, we are exploring how this was achieved with Kamron Kunce, VP of Marketing & Customer Experience at RJ Young. https://www.rjyoung.com/ RJ Young has been in business for over 70 years and boasts a world-class NPS score of 90+ — no small feat in today's hypercompetitive market. Kamron shares how they've transformed their Customer Experience, navigated organisational silos, and are thoughtfully introducing AI into their processes — without losing that all-important human touch. If you're wrestling with legacy systems, struggling to turn CX theory into practice, or figuring out how to scale with AI without alienating customers,  this episode is packed with practical tips you can take away today. And, if you're a regular listener, you'll know this one plays right into one of Ryan's and my favourite themes: breaking down those silos! Best Quote From the Episode “Customer Experience is everyone's responsibility. It's not just about Customer Service — it's about aligning the whole organisation around delivering value at every touchpoint.” — Kamron Kunce, RJ Young Key Takeaways ✅ CX must be a core business strategy, not a bolt-on function of Customer Service. RJ Young's “Make It Right Guarantee” puts this principle front and centre. ✅ Map your Customer Journey — and revisit it regularly. Quarterly and annual reviews keep RJ Young's CX aligned to ever-evolving customer expectations. ✅ Break down silos with transparency. Weekly cross-functional updates and quarterly company-wide video broadcasts ensure alignment across 700 employees and 9 states. ✅ Cross-functional collaboration is critical. Everyone, including Finance and HR, plays a role in the Customer Experience. ✅ Thoughtful use of AI is the future. RJ Young is leveraging AI to improve backend data insights and operational efficiency, without removing the human element that drives loyalty. ✅ CX + Culture go hand in hand. Embedding CX into your company culture is essential for sustainable success. Resources Mentioned RJ Young: https://www.rjyoung.com/  Kamron Kunce: https://www.linkedin.com/in/kamronkunce/ About the Hosts: Colin Shaw is a LinkedIn 'Top Voice' with a massive 284,000 followers and 87,000 subscribers to his 'Why Customers Buy' newsletter. Shaw is named one of the world's 'Top 150 Business Influencers' by LinkedIn. His company, Beyond Philosophy LLC, has been selected four times by the Financial Times as a top management consultancy. Shaw is co-host of the top 1.5% podcast 'The Intuitive Customer'—with over 600,000 downloads—and author of eight best-sellers on customer experience, Shaw is a sought-after keynote speaker. Follow Colin on LinkedIn. Ryan Hamilton is a Professor of Marketing at Emory University's Goizueta Business School and co-author of 'The Intuitive Customer' book. An award-winning teacher and researcher in consumer psychology, he has been named one of Poets & Quants' "World's Best 40 B-School Profs Under 40." His research focuses on how brands, prices, and choice architecture influence shopper decision-making, and his findings have been published in top academic journals and covered by major media outlets like The New York Times and CNN. His work highlights how psychology can help firms better understand and serve their customers. Ryan has a new book called “The Growth Dilemma: Managing Your Brand When Different Customers Want Different Things” Harvard Business Press 2025    Follow Ryan on LinkedIn.   Subscribe & Follow   Apple Podcasts Spotify

Send us a textBehind every racing series lies a story of passion, perseverance, and the relentless pursuit of building something meaningful. Drew Jack's 12-year journey with the National Compact Touring Series reveals exactly that—a tale that began in the grandstands of Kalamazoo Speedway where his father would drop him off as a "cheap babysitter" and has evolved into creating opportunities for racers who might otherwise never experience iconic venues.What started with "a chip on my shoulder" after another touring series canceled an event has blossomed into an organization that's made motorsports history. The NCTS holds the distinction of being the first touring series to race at Garrett and Cleetus McFarland's Freedom Factory during its rebirth and the first on track during North Wilkesboro's revitalization—an achievement that puts this grassroots series in the NASCAR history books.Drew pulls back the curtain on the challenges of building a touring series, from weathering lean years to handling criticism, and even reveals he nearly sold the series entirely before a pivotal phone call changed everything. He shares candid stories about working a demanding corporate job while building NCTS, sometimes fielding crisis calls during air shows when he wasn't even at the track.Perhaps most compelling is how the series has used its platform to give back, hosting Down Syndrome awareness events, mental health initiatives, and creating opportunities for children and families who might never otherwise experience live racing. "We use national compacts in our lease events to give back to the community," Drew explains, emphasizing the deeper purpose behind the competition.Breaking news drops mid-conversation as Drew announces the debut of the NCTS Figure 8 Series at Galesburg Speedway on August 24th and the return of the touring series to the track after a long absence. He outlines their ambitious summer schedule, including events at Berlin Raceway, M40 Speedway, and their World Series of Compacts at Owosso Speedway in September.Want to experience affordable, competitive racing that's attracted NASCAR talents like Haley Deegan, Ryan Preece, and Ben Rhodes? Check out an NCTS event this summer and discover why these "crap boxes" (as Drew playfully disputes) deliver some of the most entertaining racing in the Midwest.Support the showFACEBOOK: https://www.facebook.com/womensmotorsportsnetworkandpodcast INSTAGRAM: https://www.instagram.com/womensmotorsportsnetwork/ LINKEDIN: https://www.linkedin.com/in/melindarussell/ TIKTOK: https://www.linkedin.com/in/melindarussell/ X: https://x.com/IWMANation FACEBOOK Personal Page: https://www.facebook.com/melinda.ann.russell

Imagine a place where you can get your high and your munchies all at the same time with the same food! Instead of having your mom go with you to your job interview, just ask her to go as your getaway driver after you rob an arcade! Being an Internet influencer means you have to do a lot of things to get likes, but would you unknowingly swim in raw sewage? My Insane FL Nephew, "Pancho Guero" and I will show you stupidity like you've never been shown before!In this Weekend Episode...It's a 'Black Cat Boyfriend' SummerWoman Gets Furniture Delivery, Says The Delivery Workers Blocked Her From Leaving Bedroom Until She Gave Them A 10-Star ReviewPizza Place Accidentally Laces Pizza With THC, Affecting 85 PeopleInfluencer Swims Through Raw Sewage and It Went Into Her Mouth22-y/o FL Man Robs Arcade While His Mother Acts as Getaway Driver24% of People Are Using A.I. to Fact-Check Their Own DoctorsUK Surgeon Accused Of Insurance Scam By Having Own Legs AmputatedPancho will also take on questions that are burning in your mind such as if Couples Should Ask Permission For Purchases and would it be Right To Use “Pretty Privilege” To Get A New Job!Become a supporter of this podcast: https://www.spreaker.com/podcast/insane-erik-lane-s-stupid-world--6486112/support.

Bodycam shows North Las Vegas police shooting Auftan Green after he struck an officer with his car while fleeing a gas station. One child fell from the vehicle, two others were inside. Green circled back at high speed toward officers and was shot. He had initially tried to flee during a stop, causing his daughter to fall out. A woman with him tried to re-enter the car but was stopped. Green was shot, injured, arrested, and faces multiple charges after the chaotic incident. What kind of guy puts children and their mother in danger to try to elude police? What kind of guy swings the car back around and tries to hit a police officer with his car? Former cop and author Eric Tansey reacts to this insane incident through the ideas of the police.

Gary and Kaleb discuss the worst driving stretches in the midwest.

In this episode of The Daily Herold, Jon Herold highlights the continued fallout from the Durham report and the Clinton email investigation. He covers Trump's latest Truth Social post referencing Dmitry Medvedev and a nuclear submarine, suggesting high-level signaling. Herold breaks down the timeline involving Clinton's unexamined thumb drives, protected under claims of executive privilege from the Obama White House, and notes how this overlaps with Fusion GPS's media briefings and the Carter Page FISA application. He points to the suspicious timing of FBI meetings attended by Obama's White House counsel, Neil Eggleston, and the shifting narratives in corporate media trying to reframe the Russia hoax timeline. The episode also features commentary on Ghislaine Maxwell's request for clemency and a Senate letter asking the FBI to review Clinton evidence. With clear timelines and a focus on how narrative manipulation unfolds, Jon lays out how recent headlines expose the cracks in the establishment's defense.

From Trump to Putin to Israel/Gaza, a primal need for revenge saturates politics. But is vengeance an addiction like any other? Author and former lawyer James Kimmel Jr should know. Grievance and pain once drove him to such rage that he almost committed murder. He tells Andrew Harrison how his book The Science of Revenge explains why we take pleasure in others' pain, why  Trump is obsessed with getting his own back at the world… and why John Wick and The Lion King are basically the same movie.  • Buy The Science of Revenge through our affiliate bookshop and you'll help fund The Bunker by earning us a small commission for every sale. Bookshop.org's fees help support independent bookshops too. • Support us on Patreon for early episodes and more. • We are sponsored by Indeed. Go to indeed.com/bunker to get your £100 sponsored credit.   Written and presented by Andrew Harrison. Audio production by Simon Williams. Music by Kenny Dickinson. Managing Editor Jacob Jarvis. Group Editor Andrew Harrison. THE BUNKER is a Podmasters Production www.podmasters.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today we're talking about three VERY different topics, but all have to do life in Orlando. An expansion of NeoCity, home pricing in Orlando, and a check in on how Epic is changing the theme park industry here in Orlando. As always, we'll also answer as many questions as possible as well!

Finance doesn't have to be scary. In this episode of VRTAC-QM's Manager Minute, Kat Martin, Finance Director at the Oregon Commission for the Blind, joins Carol Pankow to break down the complexities of government finance in vocational rehabilitation. Kat shares her journey from the private sector into VR, the lessons she's learned managing federal and state dollars, and the difference between budget authority and actual revenue (spoiler: it's not as simple as it sounds). From making reports accessible for blind colleagues to explaining why finance people should bepartners—not compliance enforcers—Kat offers practical advice, thoughtful insights, and a healthy dose of humor. Whether you're new to VR, leading a program, or just finance-curious, this episode delivers the wisdom you didn't know you needed—plus a little reality check on what it takes to manage complex funding with heart and clarity.   Listen Here   Full Transcript:   {Music}   Kat: It took me a bit to wrap my head around was the difference between budget and revenue. I like the way my executive director describes it to other directors. You have to be paying attention to what's going on with your budget, not because that's the amount of money you have to spend, particularly with federal funding. That is what you have authority to spend. That doesn't mean you have that revenue to spend. If somebody has helped you out, pay it forward, help the next new person out that got their eyes crossed and looking overwhelmed when they're trying to figure out what in the world is re allotment, let alone carryover and maintenance of effort.   Carol: Oh my gosh.   Intro Voice: Manager Minute brought to you by the VRTAC for Quality Management, Conversations powered by VR, one manager at a time, one minute at a time. Here is your host Carol Pankow.   Carol: Well, welcome to the manager minute. Joining me in the studio today is Kat Martin, finance director at the Oregon Commission for the Blind. So, Kat, how are things going in Oregon?   Kat: They're going well. We're getting started on a lovely summer and a new biennium and trying to close out the old ones. So, you know, busy is always in the finance department.   Carol: Yeah, all the things. Nothing like getting the finance director like turnover of a state year and all that. I know you got a lot of things going on. So as the QM grant is winding down, I thought it would be great to hear from a respected VR finance director, someone who's walk the walk. Kat has been a standout voice in her fiscal management community of practice, sharing advice that's grounded, real, and incredibly helpful. So, Kat, let's dig in. So, Kat, can you tell our listeners a bit about your career journey and how did you land in your current role?   Kat: Sure. Thanks, Carol. I worked in the private sector for the first decade or so of my life and realized after about a decade of that that I really needed work that spoke to my heart. And coming from a family of educators, I was a little too late to go back to school and get my teaching credentials at that point in time. But I decided to pursue mission focused organizations that were helping others. So I worked for about six years for a law firm that represented the disabled and injured individuals before the Social Security Administration and the Washington State Department of Labor and Industries. And then I went into public education for about 15 years. About five years ago, I left public education and came to work for the Oregon Commission for the blind. And it was my first role in the world of vocational rehabilitation. So it was a new experience for me. I love a good challenge and it's been that for five years.   Carol: That sounds amazing. I always love to hear how people kind of make their long and winding road into VR, because none of us ever usually get here very directly. So I know when you and I chatted before, you have just some great perspective on any role you take. How do you go about building that solid foundation when you start a new role?   Kat:, You know, I came up through the accounting departments, specifically accounts receivable. So I was working with invoicing and collecting bills, and I experienced a lot of success in those jobs, so much so that I was moved into first supervisory and then management positions and eventually the C-suite role. And when I moved into my first CFO position, I worked with an amazing campus president who talked with me about the fact that my focus up to that point in time as the director of accounting for the organization and my prior professional experience, had been very much compliance focused. And that as her new director of finance, she needed me to be more of a fiscal partner to not only herself, but my peers on the leadership team. So, you know, that took me a little bit to figure out, because when you've been doing it for decades, it's easy to be a compliance goon. It's a little more difficult to figure out what being a finance partner looks like. I recognized that particularly when I was starting a new role like the one I did in VR five years ago. It was really important for me to understand who I needed to form relationships with, what the systems were that I was going to be utilizing to complete my work and to manage those that were completing the day in and day out of the accounting work that we were doing. And then also what were the policies, procedures and standards? So when I start a new job, I like lay out my first 100 days and I create myself a little Venn diagram that is all about those three things where at the intersection of that right in the middle, that's the work that I'm going to be doing for the organization planning, organizing, directing and monitoring their finances and the fiscal health of the organization.   Carol: I love that you have that people, systems and processes. I mean, I think that sweet spot in the middle where all of that intersects is really wonderful. You've talked to me before about this whole compliance goon fiscal partner, and I do like that approach. Can you talk a little more about what that really means to you and kind of how that's played out?   Kat: Yeah, it's really about people and about relationships in a vocational rehabilitation agency. We are helper humans and even fiscal employees, accountants, your travel coordinator, your payroll specialist. They need to be helper humans as well, because it's easy to get all wrapped up in the way we have to transact these certain things or the deadlines that the state lays down. If it's an enterprise wide system that you're using and sometimes lose sight of the fact that the people we are serving are actually the employees who are providing the direct service to the blind Oregonians that we serve at the Oregon Commission for the blind. So I have worked very hard to develop that in myself. And the way I've accomplished that is beginning first with the people I'm going to be serving and whether that's my boss, my peers, my employees, that to report directly to me, my employees that report indirectly to me or those other individuals in the larger organization, like the state's chief financial officer and the state's legislative fiscal office, and maybe the procurement office and the Payroll Services Office to make sure that I know what our place is, but also how we can provide the best possible services within that matrix that we operate in to those eventual end users that we're there to serve so that they don't ever have to worry about, am I going to get paid on time? Is my computer going to be working? Those kind of things I tell my staff when we're doing our jobs exceptionally well, nobody knows what we're doing. And then that allows them to focus on the work that they're doing with our clients.   Carol: How long do you think it takes, really, to get settled, especially coming into VR for a finance person? How long do you feel like you know what, I got this, I feel proficient what I'm doing because I think people have this idea that can come in. I was an accountant here or a CPA, or I've done something else. But you come into this program. How long do you feel it takes you to really get a handle on what's going on.   Kat: A full fiscal cycle in the state of Oregon, we operate on a biennium, so that's a full 24 months. I had been with the agency for two years before. I really felt like, oh, now I'm repeating things and there's a lot of repetition in a finance role, regardless of what role it is, there's a lot of repetition. But what makes it complicated in the VR world, in my state, for instance, is we have state fiscal years that end on June 30th, and then you have your federal fiscal year that ends on September 30th. So right there, those two things are out of sync. And then the VR awards in particular, are the most complicated revenue stream I've ever worked with. Braid those in with the general fund that you have to be on top of, which is truly available to you, and you can sometimes lobby for more. But there's a lot of politics and personalities that you have to deal with when you're trying to obtain more general fund for your agency, and then the limited amount of other funding. So I have been working as a finance director since 2009, and I would have to say that these last five years, it has been the most complicated fiscal management for an organization that I've ever touched upon in my career up to this point in time, because of those complexities between the state and the feds in fiscal years that don't align. And we're on a biennium where, you know, the federal awards are one year, and maybe you can get carryover if you do all the things you got to do to meet the requirements around March to get there.   Carol: And you're confirming what the feds say, because David Steele, who's the unit chief for the fiscal unit at RSA, he often says this is the most federally complex grant. And I remember hearing him a long time ago thinking, is it really? But yeah, it really it really is. Proof is in the pudding when you're actually doing that work. So given all of that complexity, how do you implement like strategies or things that you do to help your leadership, like literally be able to interpret and understand because it is like talking to different languages. And how do you get your whole executive team kind of on board with what's happening because you have these realizations and insights. But that isn't always apparent in the VR world, because a lot of people are not they're not math people. They're people people. They're social services people. They don't know about reading a spreadsheet. You just show them these numbers, and their eyes kind of glaze over and they hear you talking, but they don't know what you're saying.   Kat: Yeah. I think the first thing I try to do is keep it short and simple. And that's not to say that these individuals are not intelligent. They are highly intelligent, and they have skills and expertise that I'm incredibly impressed by. But I have different skills and expertise. And if I'm going to provide the information to them that allows them to make informed decisions about not only what we're doing in the present, but for the duration of whatever the fiscal period is that we're in and for the long term. Then I need to present the information in such a way that it's digestible. Now I work for a blind agency, so that means it needs to be accessible. I see a lot of spreadsheets that folks like myself love to create. You know, it's fun to get in there and do the color coding and the formatting and have multiple tabs that support your summary. Conclusions and charts are then the next best thing in the world, right? You can spend a lot of time on that. And yet my director of rehabilitation services can't see any of it, can't read any of it. So what I need to create for her and for the other 20% of the employees at my agency that is usable and digestible is very straightforward spreadsheets that are readable by the assistive technology they use in order to do their jobs. The other thing that I do to try and help the leadership team, and my executive director in particular is I insist upon regular report outs. It's really easy to be just like, yeah, yeah, Kats got it. Budget to actuals are going to be fine. She knows we don't want to leave any general fund on the table at the end of the biennium. She'll let us know how we're doing with match, but she'll take care of all of it. And what I let them know is I report on the money, but I don't decide how it's spent. I know what's in the purse, but the executive director is holding the purse strings and you all are influencing that spend. So by insisting upon regular report outs, I review budget to actual data summary grant reporting, cash reporting on at least a weekly basis. Right now I'm reviewing that more like 2 to 3 times a week, because it's the end of the biennium and startup of a new one, but the management team gets finalized reporting once a month that is based on the accounting close. And not only do we distribute that to them with the highlights, we want to pinpoint in written format, but then I also present on that every month at the leadership team meeting, when we're reviewing other results for the month and other measures that matter to us.   Carol: I think that's really super good advice for our listeners. I've seen it all across the country. I mean, I've seen where sometimes fiscal people, they are calling all the shots. They aren't that partner. They're like, hey, I'm the one that knows you all can't do math. I'm deciding. I'm doing. People are signing for the director. You know, they're sending stuff in. Directors get it? Zero clue. And while that can be a way to operate. Boy, highly not advisable. Because at the end of the day, the director is the one holding the bag. You know, the buck stops with them. If something goes wrong, something happened. They're the one. And those are the ones that end up getting fired or whatever it may be. So I'm always on the new director end of things. Encouraging people to learn as much as they can. And it's just like learning anything. You take one step at a time, one item at a time, one cell on the spreadsheet to gain understanding. You're not going to be instantly an accountant, but you can get to a level understanding where you hear what's happening. So I appreciate that you've had that experience, because I think you always bring so much to any conversation. Having worked in a blind agency, when you're thinking about how am I going to convey information in a way people can read it for one with assistive technology, not make it so fancy that you kind of lose sight really, of what is trying to be conveyed. So I think you really have great advice there and that you're the partner. I mean, you're advising and then the director's deciding. I think that's a really lovely partnership. What have been your biggest surprises and lessons learned in this role?   Kat: Well, first and foremost, it is more complicated than budgets, significantly larger than what I'm dealing with now because of the interplay of federal and state. Some of the surprises that came to me early on were around the timelines and how important it is to create a calendar of key events that not only takes everything going on with your state into consideration, but all those federal timelines, particularly the federal reporting timelines. We now, after five years, talk about the months between October 1st and the end of January as federal reporting season, because between the support we provide to program with some of their program reports that have fiscal elements in them, and then all of the federal financial reports that have to be submitted during that period of time. There's 18 different reports that my grant accountant and I prepare, review, discuss, and then, of course, go over with the program directors before they are ever submitted to our federal funding partners.   Carol: I'm a huge fan of the calendar. I just have to say, I literally we get calls. I had one of the finance directors from one state. He will remain unnamed, but he calls me on April 30th and he's like, please don't tell me a report is due today, and I'm like, uh, yeah, this is gonna be a really bad day. He said, I gotta go, and he, like, hangs up the phone. I'm like, calendar this stuff. You need the calendar. Oh my gosh. Drives me crazy.   Kat: It's important. And I mean, one of the surprises that came to me is I started with the commission in August of 2020, and a couple of days after I arrived, my senior accountant and we have a small shop. At that time I only had one accountant and two accounting technicians. My senior accountant went out on a family leave of absence about two weeks early. So here I was, no VR experience trying to figure out what the heck I'm doing. I don't even have access to most of the systems. And as it turns out, as the agency security officer, I give everybody else access. But nobody knew how to give me access. So that was an interesting start. And when she came back from her leave, she said to me, so how did that SF 425 report submission going? I'm like, what? SF 425 report submission. So I missed I started my career with the Commission for the blind by missing a federal Financial Report submission.   Carol: Oh my gosh.   Kat: I'm still here. So I guess it wasn't the end of the world that we were late with one report.   Carol: How do you find it so different between like government accounting compared to the other accounting work you've done? I always hear from people that go, government accounting is like nothing else I've ever been exposed to.   Kat: Yeah, it is very different in that having worked in the private sector and the for profit sector for a number of decades, obviously you're looking for efficiencies and effective ways of doing business that drive your bottom line. The profit imperative is just that don't be fooled by what the for profit organizations say they're really about. Making money is what it's all about in the end. But in the public sector and definitely for the government, one of the things that it took me a bit to wrap my head around was the difference between budget and revenue, and I like the way my executive director describes it to other directors that you have to be paying attention to what's going on with your budget, not because that means that's the amount of money you have to spend is because, particularly with federal funding, that is what you have authority to spend. That doesn't mean you have that revenue to spend. So figuring out how to keep track of where am I at, actually, with my approved budget and my limitations on the federal fund and other fund that I operate with? And where am I actually at with cash available to me through my federal grants, was something else that was very new to me, because every place I'd been before budget was budget. You had that to spend, even in higher education, in the public sector. It was like I had that budget to work with for the entire fiscal cycle. Not true here. So you really have to be paying attention to that difference between budget and revenue. I started to say my executive director describes this to other directors. She tries to put it as think about budget as being the line of credit. If you had a credit card in your wallet. Think about it as the line of credit that you could spend up to, but your revenue is actually how much money you actually get paid. So if you have a $50,000 line of credit, but your income for the year is only going to be $25,000, you're going to have a problem when you spend up to that line of credit.   Carol: That is such an awesome point. We have seen lately. There's been some really interesting things with the budget Authority, and this has to do with kind of the reverse, where for whatever reason, you have a federal grant say you get $100 million. But the legislature has said we are only going to give you $90 million of budget authority. And that's cropped up more and more. And so people forget because you've got program income coming in and you've got other kind of sources of these revenues. And the legislature has set this limit. And so you're bumping on it, but your eye is over here. You're looking at well, yeah, but I've got I can match and I can draw these funds. But for whatever reason the legislature hasn't given you enough authority to actually maximize and utilize everything available to you. That is super concerning for folks. And the thing they weren't watching. Really?   Kat: Yeah. And we all know of a state recently that got into difficulties with that. The thing to keep in mind with that too. And we were in a spot where we had to go back to the legislature and ask for an increase in our spending authority, which is even more complicated than going to just the legislative body, because we have a governing board of commissioners. So first we have to go to the commissioners and get approval to take this before the legislature. And there is a lot of months of lead time in order to accomplish those things in the correct order. We needed to do it because we were fortunate enough to receive an additional sum in the Re allotment process last summer, so we were going to be okay with the amount of revenue we were expecting with the existing authority we had to spend. My concern, of course, was we don't got enough money to get through the end of the state fiscal year, let alone the federal fiscal year. So we went after re allotment. Then I didn't have enough authority on the federal side, so we had to get permission from our board of commissioners. Then of course, go through the legislative process to increase our federal fund limitation.   Carol: Well, and that's a whole other probably lesson learned is the whole legislative process and those cycles for the legislature and all of that. That is no small feat to understand. I'm sure your calendaring all of those dates as well.   Kat: I am. Our agency is small enough that not only am I the finance director, I'm also the budget coordinator, so it's helpful to me at the same time. My office is situated a couple hours away from the state capitol where the legislature meets. So for a hearing before Joint Ways and Means, for instance, that maybe is going to last five minutes. It's a four hour round trip, but I go down there for those meetings and I'm ready to answer any questions should they come.   Carol: That's excellent. That's excellent. Now, I know you have been, are particularly like vocal finance director and participate in things. You've done a great job with networking, and I understand you have a bit of a fan club at CSAVR. So what happened there? What's going on with that?   Kat: You know, one of our asks of all of our staff is that they be on camera when we're in virtual meetings, and it's in part because as a blind agency, we are trying to help our clients be prepared for virtual meeting environments as we're helping them launch into the working world. So we need to model those behaviors, right? So I just developed the habit of whenever I'm speaking, even in large group meetings, like the community of practice that you and your team run is that I'll not only come off of mute, but I'll come off of having my camera shuttered so that people can see me talking. I don't know why, but it's become muscle memory, right? Well, as a result of that, because I have a lot to share at times and I want to help others the way I was helped when I first started by fiscal directors with more experience that had been, you know, around the block a couple of times. I like to try and offer up my contact information as well, so people can feel free to reach out and get in touch with me. So when we were at CSAVR the last session, kind of surprisingly, my director and I were walking around and there was a couple of folks that, as we passed, were like, your Kat, right? Your Kat from Oregon blind. And I'm like, I am. And they said, you know how helpful it was. Some of the things that I had berbled out in one of the community of practice meetings and that it had really helped them wrap their head around the topic or the concept or whatever it may be, and also then have conversations with their leadership team and their executive directors, which I was kind of blushing, but I appreciated hearing that what I had done was helpful to others.   Carol: Oh, 100%. We hear it all the time. Whenever you come on and you give some advice and people be like, that really helped me. You know, we've had folks come back the next month and they're like, that really helped me. I was able to talk to our finance people and whatever, you know, any of the things. They were so excited. You've been an immense help. So let me spin that a little different way. Maybe you can help some of our directors. So fiscal folks are coming and going just as quickly as directors and executive leadership. What suggestions would you have for those VR leaders that are hiring fiscal staff? Because sometimes people think they're bringing in somebody and it's going to be the best thing since sliced bread. And then they're like, this didn't work out at all.   Kat: Yeah.   Carol: So I think folks, especially when you're talking to non-math people and such, they don't tend to know. What should they ask?   Kat: Yeah that's a tough one because on paper it is really hard to assess somebody's education and their stated experience in the positions that they've had before. If you're not a finance person and even understanding the difference between accounting and finance, I have to explain to people again that are really intelligent individuals. I mean, they have their master's degree in counseling and rehabilitation. And yet explaining the difference between accounting and finance is something that I do pretty regularly. My first suggestion to directors would be, if you are at all uncomfortable with accessing the written materials that you're receiving in terms of resumes and a well-written cover letter, find somebody in your state that knows a little bit about fiscal and accounting, or rely upon a recruiter. If you're using the state's chief human resource office to help you assess not only the minimum qualifications that you should be asking for when you're going to turn over millions of dollars to an individual who is going to be responsible for planning, organizing, directing, monitoring and reporting on that money, but also in your preferred qualifications. Look for things like foundational knowledge of appropriations and grants. I don't put that as a minimum qualification because I didn't come in with foundational knowledge around appropriations and grants, but I'm eminently teachable. So that's another thing to look for, is, is this somebody that's a lifelong learner? Do they like a good challenge? Are they good with change and do they know how to lead change? I've experienced this quite a bit in the state of Oregon. We have, since I've arrived, adopted two different enterprise wide solutions for payroll and time tracking, contract management and procurement that we didn't really have a choice to adopt these, but the implementations were intended for very large agencies, and we're an agency of 67 employees. So figuring out how to do these things that you're required to use by the larger organization, that you are a part of being the state at your agency to complete the work that you're going to do is somebody that really needs to be a quick learner that's adaptable, and that can lead change because technology is influencing all of our lives and with what's coming with AI, it's going to continue. And these are good things, but it can be tiring if you think you're going to get in the door as a finance director, and it's all going to be business as usual after you've completed that first fiscal cycle. The other things executive directors could look for are somebody that is curious. I think I mentioned flexibility, but adaptability is very important. When I was interviewing for my role, our VR director, who is fully blind, said to me, how are you going to present materials to me so that I am able to access them and read them? And for me, that was like a oh, how exciting, a new opportunity to take my knowledge and present it in such a way that somebody that I've never worked with before, having a visual impairment or blindness, can also use it. So what do I need to do differently to meet their needs? Not expecting them to accept whatever it is I'm pushing out their way and be just like here it is. If you don't get it, well, that's too bad. The last thing I would mention, and this is just because your fiscal director does have a great deal of access, it's important to remain diligent in managing that employee, just like you would any of your other direct reports. I am fully aware of the responsibility that I have for these millions of dollars that our taxpayers dollars, when all is said and done. So you know you don't want to be so trusting of the person that's managing your finances, that you set yourself up for any kind of a situation where maybe a good person does something not so good because they're in a very difficult spot. So that's where even if you don't know, finance, finding somebody in your own professional network that maybe knows a little bit more about this, that even if you ever have a slight inkling, you can say, hey, you know, my finance director told me this. Can we noodle that around just a little bit? Because I want to make sure that it's all okay. Based on your years of experience doing this and your relationship with your finance director.   Carol: That's good advice.   Kat: Yeah. I don't mean to be skeptical. I think it's just realistic to know that when you have access to and the ability to move around millions of dollars, you should be diligent in managing them just like you would anybody else.   Carol: And things have happened across the country in years past, and people have lost jobs and all kinds of things. So it is no joke. That is excellent advice. Do you have any final kind of words of wisdom for our listeners?   Kat: Don't be afraid to admit what you don't know. I mean, early on in my career, as I was being promoted into management positions, I was like, fake it till you make it right and we can all do that. But the further I've progressed and the older I've gotten, I've developed some of that crone wisdom that comes at this decade of your life, which is, boy, there's a whole lot I don't know. And there are people out there that have been doing this for a while. So who do I need to meet? Who do I need to form a relationship with? Who can be my buddy? And then how can I pay that forward? And that would be the other advice is if somebody has helped you out, pay it forward, help the next new person out that got their eyes crossed and looking overwhelmed when they're trying to figure out what in the world is re allotment, let alone carryover and maintenance of effort.   Carol: Oh my gosh. Well Kat, I really appreciate your wisdom and your honesty. You are so direct. I love it for our listeners. If you're a  leader or fiscal staff or share this episode with somebody new in the role, they do not have to do this alone. Thanks so much for joining me today, Kat.   Kat: Thank you Carol.   {Music} Outro Voice: Conversations powered by VR, one manager at a time, one minute at a time, brought to you by the VR TAC for Quality Management. Catch all of our podcast episodes by subscribing on Apple Podcasts, Google Podcasts or wherever you listen to podcasts. Thanks for listening!

The Immune Reset Blueprint is officially live, and wanted to give you a special preview from inside the course.I designed this for all my autoimmune warriors, because when I was diagnosed, I was given no solution. My journey into functional medicine began because of my experience. I wanted to share a sneak peek from the first lesson. It's a reminder that healing begins when your body feels safe, not when you push harder.If you're joining us for the reset, don't forget: the live kickoff call is today at 3pm EST.And when you enroll, you'll also receive a digital copy of my 90-day guided journal, Rooted Reset.▶️Immune Reset Blueprint: https://taraquintana.com/immuneresetblueprint▶️Join the book launch wait list: https://taraquintana.com/bookwaitlist/▶️Quintana Functional Wellness - Masterclass link: https://taraquintana.com/register-ig▶️Get Rooted Rituals Free Guide: https://taraquintana.com/rootedritualsguideAmazon Storefront: ⁠https://www.amazon.com/shop/thefunctionalnursepractitioner?ref_=cm_sw_r_cp_ud_aipsfshop_Y2MFYWTWEZT26ZAF8E9A▶️Do you live in Indiana? Schedule a free consultation on my website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://thefunctionalnursepractitioner.com/☑️Get The Free Perimenopause and Menopause Guide: https://taraquintana.com/perimenopause☑️Get The Free Ultimate Gluten-Free Guide: https://taraquintana.com/glutenfreeebook➡️Subscribe to our Newsletter: https://taraquintana.com/newsletter▪️ Follow on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠ttps:/⁠/www.instagram.com/thefunctionalnursepractitioner/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▪️ Follow on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@thefunctionalnursepractitioner▪️ Follow me Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/thefunctionalnursepractitioner⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▪️ Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thefunctionalnursepractitioner@hotmail.com⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This podcast serves solely for general information. It's not intended for self-diagnosis nor does it replace professional medical advice, treatment, or diagnosis. Watching or listening to this podcast does not establish a provider-patient relationship with Tara Quintana. Before making any adjustments to your health or diet, consult with a healthcare practitioner to receive proper advice and a medical evaluation. Always consult a healthcare practitioner if you have any concerns about a medical condition. Never disregard professional medical advice or delay seeking care because of anything you heard on the podcast or on Tara's website or social media channels.⁠

In this episode of Dealer Talk with Jen Suzuki, we're diving deep into Steps 5 and 6 of the 10 Steps to the Sale — the test drive and the trial close. Jen keeps it real with down-to-earth stories (including one near-kidnapping

In today's Cloud Wars Minute, I share how IBM has built a $7.5 billion GenAI business in just 18 months, transforming everything from mainframes to consulting under the bold leadership of CEO Arvind Krishna.Highlights00:13 — IBM last week reported its Q2 numbers. Very impressive. I thought one of the most interesting points was that in just 18 months, IBM has built up a GenAI business with a revenue run rate of $7.5 billion. And that GenAI impact is cutting across IBM's entire, huge product portfolio, everything from mainframes to software to consulting.01:00 —This is a company that's 114 years young. And if you were to stack up all the startups or companies of any age that launched AI businesses within the last 18 months, I wonder how many of those would now have revenue of $7.5 billion. But IBM is right there, smack in the middle of that business. Krishna said GenAI's sparking growth in everything — even with mainframes.02:16 — And on the software level, Krishna said that this new rise of the AI products within IBM are helping to improve products it currently has, like Apptio, Turbonomic, and HashiCorp, adding additional value to them. Now, one area where Krishna said there could be a little bit of cannibalization is in the broad area of consulting.03:29 — This is all another sign of the remarkable job that Arvind Krishna has done in his five years now as the CEO at IBM. It's hard to recall, as well as the company's doing now and the innovation that's underway, what a mess it was five years ago when Krishna took over. IBM now has a fantastic portfolio of partnerships with many of the Cloud Wars Top 10 companies.04:30 — So again, a big turnover here in the products, the technologies that come to use, how it goes to market, and the culture that it takes out to clients to let them know: We at IBM are very happy to bring together the best of the best companies in the world to drive new value for those clients. So hats off to IBM. Very nice quarter. Visit Cloud Wars for more.

What Drives a Man Like James Craig? A Forensic Psychological Profile Description: What makes someone capable of this kind of betrayal? In the final episode of our four-part series, psychotherapist Shavaun Scott helps break down the forensic-level psychological profile of James Craig — if the allegations against him are true. This is about more than cyanide and Visine. This is about the man who allegedly used charm as a mask, silence as a tool, and manipulation as a weapon. We explore traits consistent with psychopathy, narcissistic collapse, and personality disorders that thrive on control and fantasy. We also talk about how someone this calculated can hide in plain sight — in a marriage, a medical practice, a church. And what society needs to learn about the difference between likability and safety. This episode ties it all together: the behavior, the planning, the mask, the aftermath. It's the final piece in a puzzle that isn't just about murder — it's about prevention. Because understanding people like James Craig isn't just morbid curiosity. It's protection. #JamesCraig #PsychologicalProfile #TrueCrimePodcast #HiddenKillers #TonyBrueski #ForensicPsychology #NarcissisticCollapse #SmoothiePoisoning #JamesCraigTrial #PredatorPsychology Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

What Drives a Man Like James Craig? A Forensic Psychological Profile Description: What makes someone capable of this kind of betrayal? In the final episode of our four-part series, psychotherapist Shavaun Scott helps break down the forensic-level psychological profile of James Craig — if the allegations against him are true. This is about more than cyanide and Visine. This is about the man who allegedly used charm as a mask, silence as a tool, and manipulation as a weapon. We explore traits consistent with psychopathy, narcissistic collapse, and personality disorders that thrive on control and fantasy. We also talk about how someone this calculated can hide in plain sight — in a marriage, a medical practice, a church. And what society needs to learn about the difference between likability and safety. This episode ties it all together: the behavior, the planning, the mask, the aftermath. It's the final piece in a puzzle that isn't just about murder — it's about prevention. Because understanding people like James Craig isn't just morbid curiosity. It's protection. #JamesCraig #PsychologicalProfile #TrueCrimePodcast #HiddenKillers #TonyBrueski #ForensicPsychology #NarcissisticCollapse #SmoothiePoisoning #JamesCraigTrial #PredatorPsychology Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, is joined by industry leader Owen Lee to unravel the mystery behind the Federal Reserve, interest rate changes, and how those decisions are really made. You'll learn what the Fed's dual mandate means (hint: it's more than just “raise or lower rates”) and why no single person—including the Fed Chair—holds the power most people think they do. Owen breaks down the Fed's voting process, how the mechanics of interest rates work like fuel in the economic engine, and why inflation targets aren't as simple as they sound. You'll also hear Carl's take on why top producers don't base their business success on what the Fed does—and how smart marketing trumps rate watching. If you've ever been confused about the connection between Fed meetings and mortgage rates, this is the clarity-packed episode you've been waiting for. Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.