Resistance to deformation in response to force
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Dr. David Eagleman, PhD, is a neuroscientist, bestselling author and professor at Stanford University. We discuss how to leverage the science of neuroplasticity to learn new skills and information and how accurate and false memories form and are forgotten. We also discuss time perception and why it speeds up or slows down depending on our age and stress level. We cover dreaming and the meaning of visual and other dream content. And we discuss the neuroscience of cultural and political polarization and how to remedy it. This episode provides science-based knowledge and practical tools you can use to enhance learning and better understand your experience of life in the past, present and future. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Mateina: https://drinkmateina.com/offer Rorra: https://rorra.com/huberman Lingo: https://hellolingo.com/huberman Function: https://functionhealth.com/huberman Timestamps (00:00:00) David Eagleman (00:02:35) Neuroplasticity & Learning; Cortex, Flexibility & Repurposing, Savantism (00:11:07) Sponsors: Mateina & Rorra (00:13:27) Specialization vs Diversification, Practice; Internet & Curiosity (00:22:05) Building a Well-Rounded Brain, Tool: Critical Thinking & Creativity (00:28:18) Neuroplasticity & Adults, Tools: Novelty & Challenge (00:32:41) Neuromodulators & Plasticity, Psychedelics; Directed Plasticity (00:38:50) Sponsor: AG1 (00:39:41) Building a Better Future Self, Tool: Ulysses Contract to Avoid Bad Behaviors (00:50:13) Brain Chatter, Aphantasia & Practice (00:56:57) Specialization vs Diverse Experience, Childhood & Brain (01:00:50) Space & Time Perception, Tool: Space-Time Bridging Meditation (01:06:17) Are We Good at Estimating Time?; Fear, Time & Memory (01:11:23) Sponsor: Lingo (01:12:53) Fearful Situations & Time Perception; Joyful Events & Novelty, Tool: Do Things Differently (01:18:56) Staying in the Present, Mental Illness & Time Domains, Addiction (01:27:09) Social Media, Addiction, Curiosity (01:30:51) Vision & Auditory Deficits, Sensory Substitution, Neosensory Wristband (01:35:26) Sponsor: Function (01:37:13) Sensory Reliance, Echolocation, Potato Head Theory, Sensory Addition (01:41:36) Why We Dream, Vision & Neuroplasticity, REM Sleep, Blindness (01:49:55) Victims, Fear, Memory Drift & Recall, Eyewitness Testimony & Jury Education (01:56:10) Kids vs Adults, Memory Manipulation; Photos (01:59:27) Polarization, In vs Out Groups, Empathy; Fairness (02:06:31) Polarization, Reward vs Punishment; Propaganda, Language, Complexification (02:19:27) Current Projects; Acknowledgements (02:21:44) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices
Brad and Jonathan continue unpacking *incremental gains* — the small, tactical decisions that compound into financial independence. This conversation moves quickly through **core FI math, expense optimization, retirement accounts, and tax strategy**, showing how flexibility, optionality, and understanding the rules of the game can radically change your long-term outcomes. Retirement Accounts: The Rules That Matter 401(k): Always Take the Match Employer match = free money Declining it = turning down part of your salary Pre-Tax Accounts Are Often Better for FI Account Benefit Traditional 401(k) Lowers taxable income today Traditional IRA Tax deduction now 457(b) Penalty-free access after separation
In this episode of the Iron Sights Podcast, I'm back in the studio with Ryan and Cece breaking down flexibility and mobility without the hype. We talk physiology, anatomy, programming, and where mobility work actually fits into a real training week.We also hit on some of the trends floating around right now—fascial training, mobility “systems,” and why a lot of this stuff misses the point. If you're trying to move better, train smarter, and stop wasting time on things that don't matter, this one's for you.Sit back and enjoy.-Red Dot Fitness Train Online: http://rdftrainonline.com/FFA Program: https://reddotfitness.net/fitforactionRed Dot Fitness Training Programs:rdfprograms.comOnline Membership (Full Access To All Programs & Virtual Coaching):https://www.reddotfitness.net/online-membershipVirtual Coaching:https://www.reddotfitness.net/virtual-coachingSelf-Guided Programs:https://www.reddotfitness.net/Self-Guided-Programs1(NEW) Iron Sights Podcast Website:ironsightspodcasts.comTimestamps:00:00 Intro02:39 Flexibility Struggles05:34 Flexibility vs Mobility07:32 Nervous System Role09:22 Rehab & Post-Surgery11:02 Improving Mobility18:33 Mobility Tools23:08 Strength vs Mobility29:58 Range of Motion33:52 Hyperflexibility Issues40:31 Fascia & Mobility49:04 Making Mobility Stick54:32 Training SessionsConnect With Us:Website - https://ironsightspodcast.com/Instagram - https://www.instagram.com/ironsightspodcast/Facebook - https://www.facebook.com/
Psalms 85:13The one constant in life is change—and most of it is unexpected. Flexibility is the key to handling change. That way you can be open to it and live courageously and victoriously.
Two former international educators, Nick and Joy Owens, lay out what a lot of teachers secretly want to know: how to keep global education alive without staying trapped in the classroom forever. Their story runs through Taiwan, Honduras, Alaska, Arizona, and back to the U.S., and it's packed with the real-world stuff teachers actually deal with, like credential renewal, licensure headaches, Praxis retakes, and the post-COVID classroom burnout that can make even great teachers start plotting their escape.Nick describes getting started overseas in Taiwan after the 2008–2009 recession knocked his U.S. job out from under him, beginning with an intense English-immersion “summer camp” style program before moving into a growing school environment where he taught science and even launched AP-level courses. Joy's path begins with growing up in Zambia and schooling in Kenya, then jumping into teaching in Honduras with zero classroom experience, learning the hard way that classroom management is not optional, and later earning a master's in ESL before landing in Taiwan where she and Nick met.A big theme: teachers abroad can't ignore home-country paperwork. The conversation gets practical about how quickly licenses lapse and how painful it is to recover (including re-testing) if you let it slide. Then the episode pivots into their current chapter: they bought and now run Butler Travel, a teacher-informed travel agency that builds custom, education-focused student tours (not cookie-cutter packages), including options like homestays, local expert guides, service learning, and clear “all-in” pricing that parents can understand without getting ambushed by extra fees.They also talk through what actually makes student travel educational: structured learning goals, space for reflection, and the uncomfortable truth that too much downtime creates chaos, but zero downtime creates misery. Along the way you get a memorable safari lesson about risk awareness… via animal poop identification, because humans apparently need comedy to learn anything.Butler Travel contact mentioned in the episode: website butlertravel.com and their planning guide at butlertravel.com/plan.Stats Nick cites (attributed to “Wise Travel Federation” in the conversation):Students who travel show 59% improved grades95% graduation rate among students who participated in trips86% higher intellectual curiosity80% higher motivation and engagement[00:00] The Role of JP Mint Consulting[01:48] Nick and Joy's International Teaching Experiences[04:55] Cultural Shifts and Challenges in Teaching Abroad[07:53] Navigating Credentialing and Re-credentialing[10:47] The Importance of Keeping Credentials Updated[13:50] From Teaching to Travel: A New Journey[15:46] The Impact of Travel on Education[23:01] Customizing Educational Travel Experiences[30:53] Butler Travel: Tailored Tours for Teachers[39:12] Enriching Experiences with Local Expertise[40:03] Navigating Travel Logistics During Crisis[42:54] The Importance of Flexibility in Travel Planning[45:37] Understanding Educational Travel Needs[48:16] Memorable Travel Experiences and Stories[52:31] Essential Items for International Travel[55:54] Final Thoughts on Educational TravelAdditional Gems Related to Our Show:Greg's Favorite Video From Living Overseas - https://www.youtube.com/watch?v=UQWKBwzF-hwSignup to be our guest https://calendly.com/itpexpat/itp-interview?month=2025-01Our Website - https://www.itpexpat.com/Our FaceBook Group - https://www.facebook.com/groups/itpexpatJPMint Consulting Website - https://www.jpmintconsulting.com/Greg's Personal YouTube Channel: https://www.youtube.com/playlist?list=PLs1B3Wc0wm6DR_99OS5SyzvuzENc-bBdOBooks By Gregory Lemoine:International Teacher Guide: Finding the "Right Fit" 2nd Edition (2025)"International Teaching: The Best-kept Secret in Education"
In this episode of Connected Parenting, we dive into a powerful visual and verbal tool that helps kids regulate their behavior and emotions called the "Stoplight Technique" (also known as Red Light, Green Light).As parents, one of our greatest challenges is guiding our kids through big feelings and impulsive behavior without losing our own cool. That's where this simple yet effective method comes in.Listen in to hear me explain how the stoplight framework teaches children cause and effect, emotional regulation, and personal accountability, all in a way that's age-appropriate and easy to apply at home or in the classroom.It gives them a clear visual anchor to understand what's expected, and when things need to pause or shift.You'll also learn how to modify the strategy for teenagers (because let's be honest, a red light chart on the fridge might not go over so well at 15), and why this tool can be just as helpful for you as the parent.Whether your child struggles with emotional outbursts, transitions, or impulsive behavior, this episode offers a compassionate, practical way to build emotional intelligence together.Jennifer's Takeaways:Red Light, Green Light Technique Overview (00:00)Explanation of Red Light, Green Light Behaviors (01:05)Handling Yellow Light Behaviors (03:01)Applying the Technique to Teenagers (06:57)Using the Technique for Consistency and Flexibility (11:36)Meet Jennifer KolariJennifer Kolari is the host of the “Connected Parenting” weekly podcast and the co-host of “The Mental Health Comedy” podcast. Kolari is a frequent guest on Nationwide morning shows and podcasts in the US and Canada. Her advice can also be found in many Canadian and US magazines such as; Today's Parent, Parents Magazine and Canadian Family.Kolari's powerful parenting model is based on the neurobiology of love, teaching parents how to use compassion and empathy as powerful medicine to transform challenging behavior and build children's emotional resilience and emotional shock absorbers.Jennifer's wisdom, quick wit and down to earth style help parents navigate modern-day parenting problems, offering real-life examples as well as practical and effective tools and strategies.Her highly entertaining, inspiring workshops are shared with warmth and humour, making her a crowd-pleasing speaker with schools, medical professionals, corporations and agencies throughout North America, Europe and Asia.One of the nation's leading parenting experts, Jennifer Kolari, is a highly sought- after international speaker and the founder of Connected Parenting. A child and family therapist with a busy practice based in San Diego and Toronto, Kolari is also the author of Connected Parenting: How to Raise A Great Kid (Penguin Group USA and Penguin Canada, 2009) and You're Ruining My Life! (But Not Really): Surviving the Teenage Years with Connected Parenting (Penguin Canada, 2011).
SummaryIn this episode of The Chasing Health Podcast, Chase and Chris welcome back special guest Bryan Fitzsimmons, a coach who specializes in helping people over 40 get fit. Together, they dive into the habits that set successful clients apart — and the common excuses that tend to hold people back.They talk about how small daily actions build momentum, how planning ahead can reduce stress, and how things like hormones or being “too busy” aren't the end of the road. They also chat about identity, mindset, and how to bounce back fast after a setback. Bryan shares practical strategies around meal prep, the truth about calorie tracking, and how enjoying the process is key to lasting results.Whether you're new to fitness or just need a kick in the butt, this episode is packed with real talk, helpful advice, and some good laughs too.Where to Find Bryan:Podcast: The Fit 40 Podcast (available on all major platforms)Instagram, TikTok, YouTube: @bryan_fit40 (that's Bryan with a Y – bryan_fit40)Chapters(00:00) Bryan Fitzsimmons Returns(01:29) What Our Most Successful Clients Do(02:17) Do Something Every Day(04:28) Consistency Over Intensity(05:44) The Power of Realistic Expectations(08:45) The “I'm Too Busy” Excuse(13:37) Make It Easy and Convenient(15:34) Repeatable Meals and Keeping It Simple(16:23) Raising Healthy Kids Through Example(17:28) Do You Really Want It?(20:11) Why Starting with Training Might Be Best(22:12) Identity and Labels Shape Your Actions(24:29) Coaching Only Works If You Do(25:57) Blaming Hormones or PCOS(29:24) The Importance of Ruling Things Out(30:55) See a Real Doctor: Not a Functional “Expert”(31:30) Bounce Back Faster(35:01) What's Really Happening With the Scale(36:29) Planning for Celebrations Without Guilt(39:37) Estimating Calories When Eating Out(44:45) How Bad Are We at Tracking? (Very.)(48:13) Our Dogs Eat More Than Some People Claim To(50:44) Condiments, Creamers, and Hidden Calories(52:28) Prepare for the Week Ahead(55:36) Make Meal Prep Simple and Flexible(56:16) Cook at Home = Save Money + Hit Goals(58:56) Enjoy the Process or the Results (or Both)(01:02:45) Final Thoughts on Movement and Flexibility(01:03:32) Where to Find BryanSUBMIT YOUR QUESTIONS to be answered on the show: https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective
Become a Spiritual Mentor!Today's transcript. We depend on donations from exceptional listeners like you. To donate, click here.The Daily Rosary Meditations is now an app! Click here for more info.To find out more about The Movement and enroll: https://www.schooloffaith.com/membershipPrayer requests | Subscribe by email | Download our app | Donate
If you are a parent who is interested in FIRE, you should listen to Andy Hill's podcast, Marriage, Kids, & Money on Apple, Spotify, and wherever you listen to podcasts. It's a great show that talks about all the financial and parenting issues all mothers and fathers face. Andy also came out with a new book called, Own Your Time: 10 Financial Steps To Put Your Family First and Escape The Corporate Grind. Go check it out, it's a great book for parents looking to achieve financial independence. On the podcast, talk about the merits of Coast FIRE, a type of FIRE that I've dubbed the most dangerous early retirement strategy to follow. But the older and more tired I get, the more I've come to accept Coast FIRE's merits. It's certainly beter than aimlessly grinding away at a job you don't love forever. If you enjoy this podcast episode, please support my guest Andy, and please share the episode and leave a positive review. Every review means a lot as every podcast episode takes hours to produce. If you want to achieve financial freedom, you can also sign up for my free weekly newsletter here.
Today's guest is Martin Bingisser. Martin is the founder of HMMR Media, one of the most trusted independent voices in throws and track & field education. A former competitive hammer thrower, Martin blends firsthand experience with deep historical and technical insight to analyze training methods, athlete development, and coaching culture. Through articles, videos, and interviews, his work bridges elite practice and practical coaching, earning him respect from coaches and performance professionals around the world. In a world of rapid-information delivery and short attention spans, the wisdom of master coaches is becoming increasingly rare. Martin has spent substantial time with two legends in the coaching world, Anatoliy Bondarchuk and Vern Gambetta. Spending time discussing the work of the past, and wisdom through the present is a critical practice in forming an effective coaching viewpoint. On today's episode I chat with Martin in a wide-ranging conversation in coaching lessons on efficiency, adaptability, and performing under pressure (two throws, no warmups, huge crowds). We transition into Bondarchuk's training philosophy: exercise classification, consistency, “strength” as sport-specific force production, and why weight-room PRs can distract from performance. The episode closes with motor-learning insights on rhythm, holistic cues, and how Vern Gambetta's “general” work complements specificity. Today's episode is brought to you by Hammer Strength and the Just Fly Sports Online Courses 30-50% off all courses until December 1, 2025. (https://justflysports.thinkific.com) Use code “justfly10” for 10% off the Vert Trainer Use code “justfly20” for 20% off of LILA Exogen Wearable resistance gear at www.lilateam.com View more podcast episodes at the podcast homepage. (https://www.just-fly-sports.com/podcast-home/) Timestamps 0:00 – Martin's background and training lens 7:05 – Why eccentric strength matters 15:40 – Isometric intent and force expression 24:30 – Tendons, stiffness, and elastic qualities 33:50 – Managing fatigue in strength training 42:15 – Applying eccentric and isometric work 51:20 – Athlete readiness and daily adjustment 1:00:10 – Long term development and durability Actionable Takeaways 7:05 – Eccentric strength underpins many performance qualities Martin explains that eccentric capacity sets the foundation for braking, deceleration, and re acceleration. Stronger eccentric abilities allow athletes to tolerate higher forces with less breakdown. Use controlled eccentric work to improve robustness without chasing constant intensity. 15:40 – Isometrics depend on intent, not just position Holding a position is not enough to drive adaptation. Martin emphasizes producing force into the immovable position to create meaningful stimulus. Cue effort and intent during isometrics instead of passively holding time. 24:30 – Tendon stiffness supports speed and efficiency Tendons transmit force, they do not just store it. Training should respect gradual loading to avoid disrupting tendon health. Elastic qualities improve when stiffness and timing are trained together. 33:50 – Fatigue management shapes training quality Not all fatigue is productive. Martin highlights watching bar speed, coordination, and effort quality to guide decisions. End sets when movement quality degrades rather than chasing prescribed numbers. 42:15 – Match training tools to the desired adaptation Eccentrics, isometrics, and dynamics all serve different purposes. Martin stresses selecting methods based on the adaptation you want, not trends. Blend methods thoughtfully instead of stacking stressors blindly. 51:20 – Daily readiness should influence loading Athletes do not arrive the same every day. Use simple readiness cues like bar speed and coordination to adjust training. Flexibility in programming helps preserve long term progress. 1:00:10 – Durability is built over time, not rushed Long term development requires patience and consistency. Martin reinforces gradual progression to protect connective tissue. not short term peaks. Quotes from Martin Bingisser “Eccentric strength is what allows athletes to absorb and redirect force safely.” “An isometric only works if there is intent behind it.” “Tendons are not passive structures, they are active contributors to performance.” “Fatigue is not the enemy, but unmanaged fatigue is.” “You have to choose training tools based on what you want to adapt.” “Readiness is not about feelings, it is about what you observe.” “Durability comes from respecting time and progression.” About Martin Bingisser Martin Bingisser is the founder of HMMR Media, one of the most respected independent platforms covering throws, strength training, and track & field performance. A former competitive hammer thrower, Martin combines firsthand athletic experience with a sharp analytical eye to break down training theory, competition trends, and athlete development across all levels of the sport. Through HMMR Media, he produces in-depth articles, interviews, videos, and educational resources that bridge the gap between elite coaching practice and accessible learning. His work is known for its clarity, historical context, and willingness to challenge oversimplified narratives in modern training. Martin has collaborated with coaches, athletes, and federations worldwide, and his content is widely used by throws coaches, sport scientists, and performance professionals seeking thoughtful, evidence-informed perspectives. His approach emphasizes long-term athlete development, technical mastery, and the craft of coaching; making him a trusted voice in the global track and field community.
When it comes to learning at work, it's easy to wait for permission - from managers, organisations, or “the right moment.” In this episode, Helen and Sarah explore how to lead your own learning, even when time, money, or support feel limited. This is Day 4 of the Learn Like A Lobster skill sprint, and the focus is on adaptability — the skill that helps you keep learning when things don't go to plan. Helen and Sarah explain why relying on perfect conditions can stall your development, and how adapting your approach helps you stay resilient and relevant at work.
What does the public health workforce need to stay engaged, supported, and committed, and how can leaders act on those insights? Heather Krasna, Associate Dean of Career and Professional Development, Columbia University Mailman School of Public Health joins us to break down new research on what younger public health workers value most at work. She explains why flexible schedules, remote or hybrid options, professional development, student loan repayment, and family-friendly benefits are increasingly important for retention, and how agencies can think creatively when salary increases aren't always possible. Then, Omar Khalid, Director of Workforce at ASTHO, walks through key findings from the 2024 Public Health Workforce Interests and Needs Survey (PH WINS), the only nationally representative survey of the governmental public health workforce. He discusses why high turnover, burnout, and loss of institutional knowledge remain urgent concerns, alongside encouraging signs of improved supervisor relationships and workforce commitment. Journal of Public Health Management and PracticeStrengthening Public Health Through Communication: Resources to Get Started - Public Health Infrastructure GrantClimate and Health | ASTHO
This month's Convo By Design Icon Registry inductee is architect, Peter Pennoyer, FAIA who shares his lifelong passion for architecture, tracing its roots to his upbringing in New York City and the rich urban fabric that shaped his design philosophy. From classical influences to modern interventions, in this conversation recorded in 2021, Pennoyer discusses how context, history, and creativity inform his work across New York, Miami, and beyond. This episode offers a rare glimpse into Pennoyer's process, highlighting how tradition and innovation coexist in his projects. Designer Resources Pacific Sales Kitchen and Home. Where excellence meets expertise. Design Hardware – A stunning and vast collection of jewelry for the home! TimberTech – Real wood beauty without the upkeep In this episode, Pennoyer explores the balance between respecting historic streetscapes and embracing contemporary design, sharing insights on notable projects including French modern townhouses in Manhattan, Adirondack retreats, and reimagined New England homes. Listeners will hear about his approach to materials, light, and functionality, as well as the lessons learned from urban and natural environments. From small creative spaces to sweeping estates, Pennoyer reveals how architecture can feel both inevitable and personal. Show Topics / Outline: Early Influences Growing up in NYC, next to an architect's modernized Victorian townhouse. Father's role on the Art Commission (Design Review Commission) and early exposure to civic architecture. Walking through the Metropolitan Museum during new wing constructions and its impact. Philosophy of Context and Streetscape Importance of buildings as parts of streets rather than standalone monuments. Learning from historic architecture and urban fabric. Balancing preservation with creative reinterpretation. Firm Origins and Approach Founding Peter Pennoyer Architects in 1990, NYC and Miami. Learning along the way; responding to each commission individually. Miami as a freer design environment vs. New York's strict urban constraints. Design Inspirations and Innovation Interest in unusual historic ideas, color, and modern adaptation (e.g., Adirondack home with vibrant red windows). Classical architecture as a living, evolving language. Integrating modern functionality with traditional forms. Key Projects Adirondacks Retreat: Rustic materials, vibrant accents, blending modern and traditional. French Modern Townhouse, Upper East Side: Maximizing light in a constrained footprint; stair design, flow, and functionality. New England House: Rebuilding a landmarked site with respect to site and history. Fifth Avenue Maisonette: Reimagining space for luxury, comfort, and personal lifestyle integration. Architecture and Society Lessons from pandemics and historical health-driven design. Flexibility in modern living: home and work blending, privacy, and adaptability. The balance of aesthetics, comfort, and livability in contemporary classical design. Process and Collaboration Importance of team and long-term partnerships in shaping projects. Working with interior designers and artisans to achieve cohesive spaces. Creative problem-solving under structural, site, and regulatory constraints. Links & References: Peter Pennoyer Architects – Official Website Adirondack Long Barn Project Upper East Side French Modern Townhouse New England Landmark House Rebuild Fifth Avenue Maisonette
Does your financial plan have the same flexibility you want your life to?In this episode, we delve into the importance of not just planning for basic financial stability, but also planning for a comfortable and flexible lifestyle in your retirement years. We discuss the variables that impact financial planning, stress testing for potential economic factors, and how an individualized lifestyle buffer can provide peace of mind.
What's the best way to design an infinite banking policy? In this video, Brent Kesler, founder of The Money Multiplier, joins Caleb Guilliams to break down whole life insurance designs for infinite banking, specifically comparing 40/60 vs 80/20 policy structures and Nelson Nash's original intentions. The discussion also includes a debate on term riders, when they help, when they hurt, and how they affect infinite banking strategies over time. Watch the First Interview with Brent where he explains how he paid off $1M in debt in 2 years - https://youtu.be/cHTmpSU-nzQ Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 Introduction 01:50 Infinite Banking and Debt Payoff Strategy 02:07 Changes to Infinite Banking 03:30 The "Nelson Plan" (40/60) 04:12 Policy Design Philosophy: Base, PUA, and Term Riders 05:01 Long-Term Efficiency and Base Premium 05:57 MEC Limit and Term Riders 06:59 Base, PUA, and Term Riders Definitions 12:00 Higher Base vs. More PUA 18:25 Flexibility in PUA Riders 19:19 Starting Additional Policies 20:40 Rule of Maximizing Current Policies 23:07 Adjusting Premiums on Multiple Policies 27:19 Minimum Premium and Income Ratio 28:34 The "10 Times Your Age" Rule 29:27 Tax Liability 35:46 Death Benefit, Rate of Return, and Financial Mindset 38:03 Internal Rate of Return (3.5% to 5%) 39:45 Actual Rate of Return vs. Average Rate of Return 42:28 The Value of Convertible Term Insurance 43:36 Human Life Value vs. Starting Small Whole Life Policy 47:14 Life Insurance as the Only Guaranteed Payout Insurance 48:53 Buying Cars and Using Other People's Money 49:18 Separating Policy Growth 51:54 Using Bank's Money for Investments 54:34 Danger of Using Banks if Undisciplined ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
Speed in Golf: How to Add Distance Safely (and Make It Transfer to the Course)A lot of golfers come into winter with the same goal: hit it farther next season. In this episode, Michael Falk and Jason Tipton break down why speed matters in today's game, what separates swinging harder from swinging faster, and how to build real distance gains that actually hold up on the course.You'll learn why ball speed is the KPI (not just clubhead speed), how center contact and efficient sequencing can unlock speed without extra effort, and why speed training needs a plan—both technically (setup, sequencing, ground forces) and physically (strength, power, rotational capacity). They also cover where overspeed tools fit, what typically goes wrong when golfers chase speed without feedback, and how to create a training blueprint that improves distance without losing your scoring skills.What You'll LearnWhy distance is such a performance advantage (and where the “too much speed” line can show up)Ball speed vs. clubhead speed — and why strike + launch conditions often beat max effortCommon mistakes golfers make when they start speed trainingThe technical foundations that create speed: setup, sequencing, and ground force timingPractical tools/drills that help golfers learn to create speed efficientlyThe physical drivers of speed: strength, power, and rotational explosivenessHow mobility fits in (important, but not the main driver for everyone)A blueprint approach to gaining 10–15+ yards with less wasted effortWhat goes wrong when speed training is unbalanced (and how to avoid it)Timestamps00:00 Introduction and Episode Overview01:15 The Importance of Speed in Golf (tour trends, scoring advantage, distance thresholds)06:14 Physical Fitness and Speed Training (better athlete = more potential speed, aging + maintaining speed)08:21 Common Mistakes in Speed Training (“swinging harder” vs “swinging faster,” dispersion early on, ball speed focus)15:44 Technical Aspects of Building Speed (setup/grip, kinematic sequence, ground-up movement, face/path issues when forcing speed)20:49 Innovative Training Tools for Golf (force pedal, constraints, continuous swings for balance and sequencing)21:24 Balancing Swing Sequencing and Speed Training (overspeed as a tool—not the tool; efficiency before effort)22:14 The Role of Physical Fitness in Golf Performance (why gym work supports speed development)22:49 Key Drivers of Club Head Speed (vertical impulse, upper-body explosiveness, rotational power)23:42 Importance of Flexibility and Mobility (helpful for some, but not the primary driver in most research)26:24 Creating a Personalized Training Blueprint (screening + player-specific plan; gym frequency; adding overspeed strategically; tracking)32:58 Common Pitfalls in Speed Training (open face/face control, losing wedges/scoring, overuse issues, poor warm-up/recovery)37:59 Recap and Future Plans (assess → efficiency → build capacity → add speed → track; upcoming episodes)Resources MentionedJason Tipton (Skillest): online assessment + lessons https://skillest.com/coach/jason-tiptonKinetic Sports Medicine & Performance: golf assessment https://kineticsmp.com/golf
The more off ramps we can build into our cattle marketing strategy the better. Having versatile cattle that are capable of working in multiple different enterprises gives us more opportunities. Mason Lautenschlager has been on a journey to develop a composite breed that can provide marketing flexibility along with maternal longevity for his customers. He joins me to discuss the process of developing this breed today.Sponsor:Wineglass RanchTake the Survey:Working Cows 2026 Listener SurveyRelevant Links:Arrow L Ranch Composite Bull Sale
Tim and Tyler announce Yield Energy, the next chapter for Polaris Energy Services. Yield turns irrigation pumps and other on-farm energy assets into virtual power plants to help growers be more profitable. — This episode is presented by Yield Energy. — Links Yield Energy - https://yieldenergy.com Yield for Growers - https://yieldenergy.com/growers
Ep #101: Freedom, Flexibility, and Filling the Gap: How Melquea Smith Built a Creative Life Through Children's Book IllustrationSummaryIn this episode, I sit down with Melquea Smith, a children's book illustrator, author, and world traveler who's redefining what it means to build a creative life on your own terms. Fresh off five weeks in Belgium (with cats and a chicken!), Melquea shares how losing her nonprofit job became the catalyst for going full-time as an illustrator, why representation in children's books matters deeply, and how she's scaling her art through Brown Sugar Graphics—a clip art membership celebrating Black and Brown kids in all their beautiful diversity.We get into the nitty-gritty of how picture books actually get made, what authors should look for when hiring an illustrator, and why visual storytelling is so much more than "just drawing." Plus, Melquea drops gems on building a sustainable creative business, navigating perfectionism, and finding alignment between your work, your values, and your joy.If you've ever wondered what goes into those gorgeous picture books, dreamed of going location-independent as a creative, or just need permission to imagine a different way of living—this one's for you.Chapters00:19 - Introducing Melquea Smith: A Visionary in Children's Literature10:13 - Navigating Change: Embracing Freedom and Creativity20:00 - Transitioning to Children's Illustration35:06 - The Importance of Representation in Children's Literature56:41 - The Journey of Creating Diverse Clip Art01:02:01 - The Creative Journey of Brown Sugar GraphicsWhat We Talk AboutHow Melquea networked like a pro at the American Library Association Conference with custom postcards and a manuscript wish listLosing a job in the nonprofit world and choosing full-time illustration instead of going back to corporateLiving and working abroad: five weeks in Belgium, falling in love with the Netherlands, and becoming a global citizenThe actual process of illustrating a children's book—from thumbnails to color scripting to final artWhy illustrators aren't just "drawers"—they're visual storytellers, marketers, and business ownersThe severe lack of diverse, high-quality clip art featuring Black and Brown kidsHow Brown Sugar Graphics is filling that gap with joyful, authentic representations of kids with different skin tones, hair textures, body types, abilities, and moreWhat authors should know before hiring an illustrator (hint: it's not just about the art)The power of email lists, the exhaustion of social media, and showing up where it matters mostThings We Mentioned
Flexibility and openness are the name of the game when it comes to fostering and adopting, and our guest, Nikki, really drives that point home today. She's got a heartwarming story about her journey through foster care, navigating the ups and downs with grace and humor. From dealing with unexpected placements straight out of the hospital to fostering a medically fragile baby, Nikki shares the real scoop on what it's like to open your home and heart to kids in need. We also dive into how her family adapted, the community support that came through in spades, and the bittersweet moments of attachment and letting go. So, grab your headphones and settle in for a chat that's not just insightful but also sprinkled with wit and wisdom—perfect for anyone curious about the foster care world! Diving into the heart of foster care and adoption, we chat with Nikki Zakocs, an audiobook narrator and former foster mom who shares her journey through the often chaotic but incredibly rewarding world of fostering. From the moment she and her husband decided to open their home to children in need, Nikki emphasizes the importance of flexibility and an open mind. With three biological kids already in tow, they embarked on a deeply personal journey that began with a lot of research and conversations about what it means to be a foster family. She candidly recounts her initial hopes of adopting internationally, only to discover that the path to foster-to-adopt was not just feasible, but also filled with unexpected joys and challenges. Nikki paints a vivid picture of her first placement, a newborn baby girl who arrived just days after they were licensed, and the whirlwind of emotions that came with it, including the overwhelming feeling of court appearances and the reality of potentially having to let go of the children she grew to love. The conversation flows effortlessly as Nikki shares the ups and downs of fostering, from the excitement of welcoming new children into her home to the heart-wrenching moments of saying goodbye. She reflects on the bonds formed and the lessons learned along the way, highlighting how her experiences have shaped her family's view of love and compassion. The episode is sprinkled with humor and warmth, as Nikki recounts the hilarious and chaotic moments of having multiple kids in the house, including the supportive network of friends and community members who rallied around her family with clothes, baby supplies, and a whole lot of encouragement. We also discuss the emotional toll fostering can take on both parents and biological children, yet how it ultimately opens their hearts and minds to the realities of life for many children in the system. As we wrap up, Nikki shares her insights on keeping the connection with biological families and how her views have shifted over the years. She champions the idea that fostering is not just about providing a temporary home, but about being part of a larger family narrative that includes birth families, reinforcing the importance of understanding and compassion in a child's life. This episode is a treasure trove of wisdom for anyone considering fostering or simply wanting to understand the complexities of foster care better.Takeaways:Flexibility and an open mindset are essential when entering the world of foster care.The experience of fostering can profoundly change your perspective on life and parenting.Involving your biological children in the foster care process can provide valuable lessons about empathy and community.The emotional attachment formed during fostering is real and can lead to heart-wrenching goodbyes when children are reunified with...
Host: Dr. Mike MillsTOPICS: Muscle, Strength, Flexibility!
Mark Walker, CEO of NUE, joins Jeff Mains to discuss how modern SaaS companies can transform revenue operations from fragmented systems into a unified lifecycle. With $30M in funding and customers like OpenAI, Anthropic, and Jasper, NUE is redefining quote-to-cash by treating revenue as a continuous flow rather than disconnected handoffs. Mark shares insights on disrupting entrenched markets, building high-performance cultures, and why speed and flexibility have become the ultimate competitive advantages in an AI-driven world.Key Takeaways0:54 - The hidden complexity tax4:42 - Curiosity as a career compass8:59 - Skating to where the puck is going11:44 - The unified truth14:26 - The $2M discovery18:03 - Speed as strategy21:29 - Flexibility unlocks enterprise deals26:45 - The Trojan horse strategy28:09 - Productized implementation29:56 - Lightning-fast deployments38:21 - Market disruption wisdom45:47 - Culture starts at the top46:16 - NUE's three core valuesTweetable Quotes"The purpose of producing quotes isn't to produce quotes—it's to produce bills. Contracts are just a step toward invoicing and collecting money." - Mark Walker"If it takes you a year to stand up a system, how long will it take you to change it? Once you set that system up, changing it can often take longer than setting it up the first time." - Mark Walker"We have a saying at NUE: This is so hard not to love it. If you don't actually love working here, you should go." - Mark Walker"If you want to be trusted, be trustworthy. If you want to be respected, be respectful. If you want great partnership, be a great partner." - Mark Walker"The fastest-moving companies are over-indexing on what they don't know, whereas everybody else is buying systems based on what they think they know." - Mark WalkerSaaS Leadership Lessons1. Treat Revenue as a Lifecycle, Not a TransactionStop thinking of quoting, billing, and invoicing as separate steps. They're part of one continuous flow. When these systems are disconnected, you bleed 3-5% of ARR annually (per MGI research) and create unnecessary friction for customers and teams.2. Speed and Flexibility Trump Feature CompletenessIn a world where the pace of change has changed, the most critical attributes in technology partners are speed, flexibility, and time to value. Companies that can implement and iterate quickly have a massive competitive advantage over those locked into rigid, year-long implementations.3. Use a "Trojan Horse" Strategy—But Make It GoldWhen attacking entrenched markets, find a wedge product that serves as your entry point. But that wedge must be exceptional on its own merits. NUE's CPQ is so good that customers buy it standalone, then discover the billing platform inside.4. Build for Where Customers Are Going, Not Where They AreNUE targeted the hardest problems first—multi-attribute pricing, complex enterprise scenarios—because they wanted to help companies grow. If you're good at where customers are headed, small companies can use your platform to compete with giants.5. Culture Is What You Tolerate, Not What You PostValues on the wall mean nothing if leadership...
Jelani McDonald joins 3rd & Longhorn for an in-depth conversation from the North End Zone trophy room at DKR. One of the most electric athletes on Texas' defense, McDonald breaks down his journey to the Forty Acres, why he took a leap of faith to flip his commitment to Texas, and what it was like running out in front of 105,000 fans for the first time.Jelani dives into his transition from high school quarterback to a multi-position defensive weapon, playing four different roles in the secondary, and how studying the game has helped him become a true playmaker. He also walks us through his jaw-dropping interception against Kentucky, discusses learning from veteran DBs, and shares what it's like being coached by DBU legend Pete Kwiatkowski's staff.We also talk athleticism, vertical jumps, playing offense vs. defense, the meaning behind wearing No. 4, and the mindset that allows him to just play fast and free.Note: This interview was recorded prior to Jelani's announcement that he will be returning to Texas rather than entering the NFL Draft.Welcome to 3rd & Longhorn, your ultimate destination for all things Texas Longhorn Football! Join us weekly for an in-depth show featuring analysis and commentary from Lifetime Longhorn Football players Derrick Johnson, Alex Okafor, Fozzy Whittaker, Rod Babers, Jeremy Hills, and Clark Field Collective/Texas One Fund co-founder Nick Shuley.3rd & Longhorn takes you deep inside the world of Texas Football, offering a unique perspective from some of the best to ever put on the pads at the 40 Acres. Whether you're a die-hard Longhorn fan or new to the scene, our show provides unparalleled insight, behind-the-scenes stories, and expert breakdowns of games, players, and strategies.Meet Our Team:Derrick Johnson: NFL All-Pro and Texas Longhorn legend, providing unparalleled defensive insights. Alex Okafor: Former NFL defensive end, breaking down the line of scrimmage battles. Jeremy Hills: Renowned trainer and former Longhorn running back, discussing player development. Fozzy Whittaker: NFL veteran and special teams ace, offering game day analysis.Rod Babers: Longhorn cornerback great and media personality, sharing insider knowledge.Nick Shuley: Co-founder of Clark Field Collective/Texas One Fund, discussing the business side of college sports.Subscribe to 3rd & Longhorn and never miss an episode. Hit the notification bell to get alerts for our latest uploads. Join us in celebrating the legacy and future of Texas Longhorn Football!For the most comprehensive coverage and insider access to Texas Longhorn Football, look no further than 3rd & Longhorn. Hook ‘em!Derrick Johnson: https://www.instagram.com/superdj56Alex Okafor: https://www.instagram.com/alexokaforJeremy Hills: https://www.instagram.com/jhills5Fozzy Whittaker: https://www.instagram.com/fozzywhittRod Babers: https://www.instagram.com/rodbabersNick Shuley: https://www.instagram.com/nickshuley
Dorian Yates is a former professional bodybuilder, six-time Mr. Olympia winner and a pioneer of high-intensity, low-volume training for building muscle size and strength. He explains how anyone can vastly improve their fitness, mindset and appearance by training with weights just two or three days per week for less than an hour. We also discuss how to determine your natural strengths and passions and select which life path is right for you. Dorian also shares his journey and transformation from wayward youth to world champion athlete, his exploration of psychedelics, views on cannabis and on longevity and health optimization more generally. The knowledge and wisdom Dorian shares is valuable to men and women of all ages. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman David Protein: https://davidprotein.com/huberman Joovv: https://joovv.com/huberman Our Place: https://fromourplace.com/huberman LMNT: https://drinklmnt.com/huberman Function Health: https://functionhealth.com/huberman Timestamps (00:00:00) Dorian Yates (00:03:17) High-Intensity Training, Bodybuilding, Blood & Guts (00:09:15) Muscular Failure, Stimulate & Recover; Anabolics (00:12:04) Sponsors: David & Joovv (00:14:33) Muscle Pump, Stimulus; Recovery Weeks (00:17:32) Beginners & Learning Correct Mechanics; Diabetes (00:22:13) Research vs Real World, Tool: High-Intensity, Low-Volume Training, HIIT Sprints (00:28:53) Bodybuilding Journey, Reading, Training Logs, Aspiration, Parents (00:39:21) Sponsors: AG1 & Our Place (00:42:46) TRT, Steroids, Genetics, Early Bodybuilding Career; Tool: Steroid Risks (00:53:57) Father & Son Relationship; Training Evolution (00:58:31) Workout Intensity & Motivation, Self-Mastery, Transforming Anger (01:05:34) Death; Opportunity Analysis; Bodybuilders, Steroids & Diuretics (01:12:18) Human Possibility, Fitness & Health Progression, Nutrition (01:16:05) Sponsor: LMNT (01:17:26) Mike Mentzer (01:20:42) 1992-1993 Mr. Olympia, Underdog vs Favorite Mindset (01:30:22) Inspiration & Achieving Goal; Retirement, Transition & Identity (01:38:52) Flexibility, Winning vs Loving the Process (01:43:08) Aging, Exercise & Posture (01:46:34) Sponsor: Function (01:48:22) Losing Muscle & Diet Change; Breathing; Health & Mind (01:52:02) Psychedelics, DMT, Ayahuasca, Perspective & Connection (02:01:20) Risks, Research & Psychedelics; Brain Plasticity, Perspective Change (02:06:23) Sunlight & Mood, Schizophrenia, Dopamine, Mitochondria (02:12:15) Cannabis, Smoking & Health; Cancer; Breathwork (02:19:34) Cannabis & Motivation, Individual Variation, THC Levels (02:25:22) Plant Medicine, Kratom, Natural Plants vs Extracts (02:28:53) Training for Women, Losing Fat & Resistance Training; Resilience (02:33:52) DY Nutrition, Supplements; Life Purpose & Consciousness (02:44:40) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of the Optimal Body Podcast, Dr. Jen and Dr. Dom, both doctors of physical therapy, break down a new international consensus on stretching, helping listeners discover the best stretching practices for their needs. They explain the differences between static, dynamic, ballistic, and PNF stretching exercise, and discuss both the immediate and long-term benefits—such as increased range of motion, decreased pain, and reduced muscle stiffness. The hosts clarify common myths, noting that even the best stretching routines alone don't build muscle, prevent injuries, or fix posture. They emphasize the importance of consistency and combining the best stretching techniques with strength and stability exercises for optimal results and overall body health.Manukora Manuka Honey:During the winter months, I've been reaching for Manukora Manuka Honey daily. It's rich, creamy, and contains 3x more antioxidants and prebiotics than regular honey, plus MGO for added support. I take one spoonful each morning. Try it at https://manukora.com/docjen to save up to 31% plus $25 in free gifts.Needed Discount:Jen trusted Needed Supplements for fertility, pregnancy, and beyond! Support men and women's health with vitamins, Omega-3, and more. Used by 6,000+ pros. Use code OPTIMAL for 20% off at checkout!We think you'll love:Free Week Jen HealthJen's InstagramDom's InstagramYouTube ChannelWhat You'll Learn:02:07 Announcement of a new international consensus on stretching and what the episode will cover.03:29 Overview of static, dynamic, ballistic, PNF, and high dosage static stretching.06:58 Explanation that the consensus mainly reviewed static stretching and its effects.07:48 Discussion of immediate effects: increased range of motion and reduced muscle stiffness, with short-lived results.08:12 Recommended acute stretching dosages and how different nervous systems respond.10:48 Long-term effects: increased range of motion, reduced stiffness, but not hypertrophy or reliable injury prevention.12:13 Consensus recommendations: four minutes per...For full show notes and resources visit https://jen.health/podcast/444 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Episode 208: In this episode, Andy McDonald is joined by Jake Gillies, Lead Sports Scientist at Bristol Bears Rugby, working at the sharp end of performance data integration within English Premiership rugby. Jake's role centres on quantifying the physical demands of match play and translating performance technology outputs into actionable training decisions. Prior to joining the Bears, he worked as a Sports Scientist at Harlequins Rugby, alongside experience as a Strength & Conditioning coach in the British Basketball League (BBL) — giving him a broad, cross-sport perspective on how data should (and shouldn't) be used. Across the conversation, Jake breaks down what it really means to turn data into action. He explores how practitioners can move beyond numbers for numbers' sake, contextualise information within rehab and performance environments, and ensure that data serves decision-making rather than complicating it. The discussion highlights the importance of athlete intent, flexible testing frameworks, and clear visualisation when bridging the gap between rehabilitation and match performance. ㅤ Topics Discussed: • Turning data into action • Contextualising data in rehabilitation • Managing complexity in rehab objectives • Insights vs. information in sports science • The importance of good data in rehab settings • Athlete intent & performance metrics • Flexibility in testing protocols • Effective data visualisation & dashboards • Bridging the gap between rehab and match performance - Where you can find Jake: LinkedIn Instagram X - Sponsors VALD Performance, makers of the Nordbord, Forceframe, ForeDecks and HumanTrak. VALD Performance systems are built with the high-performance practitioner in mind, translating traditionally lab-based technologies into engaging, quick, easy-to-use tools for daily testing, monitoring and training Hytro: The world's leading Blood Flow Restriction (BFR) wearable, designed to accelerate recovery and maximise athletic potential using Hytro BFR for Professional Sport. - Where to Find Us Keep up to date with everything that is going on with the podcast by following Inform Performance on: Instagram Twitter Our Website - Our Team Andy McDonald Ben Ashworth Alistair McKenzie Steve Barrett Pete McKnight
This guided meditation session, led by Dr. Diana Hill, is part of the Diana's weekly Sangha community. This meditation uses the bell to bring your' attention to the present moment, encouraging flexibility in focusing on various aspects of your external and internal worlds. It emphasizes your ability to shift attention to sensory experiences, feelings, thoughts, perspectives, purpose, and actions. The meditation advocates for self-acceptance and openness, referencing Pema Chödrön's teachings on befriending oneself as the foundation of meditation practice. The session closes with three bows to acknowledge true nature, teachers, and the community.You can also enjoy Diana's related talk on by listening to Episode 179 Secret Sangha: Flexibility.
Are you feeling stuck in a problem—believing every scary thought, trying to “fix” your feelings, or spiraling into overthinking instead of moving forward?In this Secret Sangha episode (a new series from Diana's live community that she hosts weekly in Santa Barbara), Diana shows you how to build psychological flexibility so you can stay open, aware, and engaged—even when things are hard—and take small actions toward what matters most.Listen and learn:The 6 core skills of psychological flexibility and how they show up in real-life stressHow to relate to thoughts with more freedom: “thank you, mind”—without automatically following itA clear way to work with emotions when you're stuck in fixing or floodingHow small, values-based actions (even minuscule ones) expand the “world you're free to inhabit”You can also enjoy Diana's related meditation on by listening to Episode 180 Bonus Meditation: Flexibility.Related ResourcesGet enhanced show notes for this episodeOrder my book, Wise Effort: How to Focus Your Genius Energy on What Matters Most, and receive special bonus gifts.Want to become more psychologically flexible? Take Diana's "Foundations of ACT" course.Diana's EventsReserve your spot in Diana's Costa Rica retreat in 2026!See Diana at an upcoming eventConnecting With DianaSubscribe for free on Apple Podcasts and Spotify.Leave a 5-star review on Apple so people like you can find the show.Sign up for the free Wise Effort Newsletter.Become a Wise Effort member to support the show.Follow Diana on YouTube, Instagram, LinkedIn, Facebook, and
Are you looking for CPD that actually fits into real life while still deepening your confidence and capability as a coach? As we recorded this episode, we found ourselves reflecting on the growing gap between what coaches need from professional development and what most CPD programmes actually deliver. We know how busy life is. We know how difficult it can be to commit to long programmes with heavy time demands. And we also know how frustrating it feels to learn theory without truly knowing how to apply it in real coaching conversations. This episode is our response to that reality. We introduce our Done for You 2026 CPD programme, the How To Series, a bite size, practical and accredited professional development journey designed specifically around the topics coaches face every day. Each session is rooted in a popular Coaching Crowd podcast episode and translated into a facilitated, interactive learning experience that bridges the gap between insight and action. Across the conversation, we talk openly about why this series matters to us. We share how the idea was born from listening closely to our community and noticing which podcast episodes consistently resonate, such as coaching confidence, fear, burnout, overwhelm and uncertainty. These are not abstract topics. They are live issues showing up in coaching rooms week after week. Each 'How To' session is a two and a half hour live workshop that includes a focused teaching summary, a practical coaching activity, live demonstrations, peer practice, feedback, and reflective discussion. We wanted to create CPD that feels immediately useful, supports skill integration, and builds real coaching confidence. This is learning you can take straight into your next client session. We also reflect on accessibility. This series is designed for qualified coaches, leaders, managers and those using coaching skills in their work. It is accredited, offering CCEs, while remaining financially accessible and flexible. Coaches can attend individual sessions or commit to the full year and have their 2026 CPD fully mapped out in advance. Throughout the episode, we talk about community, experimentation and our desire to create a shared learning space where coaches can connect, practise, ask real questions and grow together. This is about more than content. It is about confidence, capability and belonging within the coaching profession. Timestamps: 00:00 Introduction and why this episode matters 00:57 Why bite size CPD works for busy coaches 01:26 What is included in each How To session 01:55 Overview of the 10 coaching topics 02:24 Creating a full CPD plan for 2026 02:51 Accreditation, CCEs and pricing structure 03:46 Why these topics resonate with coaches 04:06 Who this CPD is designed for 05:04 How to access the programme and resources 06:02 Community, connection and future possibilities 07:43 Limited time offer and enrolment window 08:33 Who can attend and who it is suitable for 09:57 Live demos and experiential learning 12:21 Practice, feedback and reflective integration 13:43 Flexibility, value and long term impact 15:20 Closing reflections and invitation Key Lessons Learned: CPD is most effective when it supports immediate application in real coaching conversations Bite size learning can deliver depth when it is well designed and facilitated Coaches value live demonstrations as a bridge between theory and practice Accessibility and affordability increase engagement and consistency with professional development Community and shared learning strengthen confidence, identity and capability as a coach Links and Resources: https://igcompany.co.uk/howto Keywords: Coaching CPD 2026, accredited coaching CPD, bite size coaching training, coaching professional development, coaching skills development, coaching confidence training, coaching burnout CPD, live coaching workshops, coach accreditation CCEs, The Coaching Crowd podcast
Ever thought it might be possible to stay in Paris for 20 nights without paying rent? In this episode, Annie Sargent chats with Liz Van Montfort, a traveler who's cracked the code on home exchange—the savvy way to explore France (or anywhere!) without breaking the bank. Liz shares how she spent three weeks in a Parisian apartment during the Rugby World Cup using Guest Points, plus a night in a 17th-century Dijon hotel, all while avoiding Airbnb's pitfalls. Listen to this episode ad-free Liz breaks down the two types of home exchanges: reciprocal swaps (you stay in their home, they stay in yours) and Guest Points, a flexible system where you earn points by hosting others and spend them on stays worldwide. No fancy house required—Liz's Christchurch townhouse (complete with a communal pool!) has attracted exchanges from Sydney to Provence. She reveals how to prep your home, from welcome booklets to leaving local treats, and why guests often leave the place cleaner than they found it. But why ditch Airbnb? Liz's Barcelona nightmare—stranded with luggage after a last-minute cancellation—will make you think twice. Home exchange offers verified members, insurance, and backup plans if things go wrong. Annie adds that it's perfect for slow travelers, families, and anyone tired of tourist traps. You'll live like a local, with kitchens, laundries, and neighborhood cafés at your fingertips. After the chat, Annie dives into Paris 2026 updates: the Tour Triangle skyscraper, Louis Vuitton's Champs-Élysées hotel, and the Place de la Concorde's pedestrian makeover. Whether you're planning a trip or just love armchair travel, this episode is packed with insider tips, cultural gems, and budget-friendly hacks. Subscribe to Join Us in France on your favorite podcast app to get more hidden travel secrets, cultural deep dives, and off-the-beaten-path adventures. Your next French escape starts here! Table of Contents for this Episode [00:00:15] Introduction and Welcome [00:00:29] Today on the podcast [00:01:09] Podcast supporters [00:01:44] Magazine segment [00:02:35] Home Exchange with Liz van Montford [00:02:50] Home Exchange Experience in France [00:05:04] Types of exchanges [00:05:12] Types of Home Exchanges [00:06:42] Benefits of Home Exchange [00:08:12] Starting with Home Exchange [00:09:51] Managing Home Exchange Logistics [00:11:09] Personal Stories and Experiences [00:13:53] Preparing Your Home for Exchange [00:19:56] Unexpected Situations and Flexibility [00:20:58] Airbnb vs. Home Exchange: Cost and Convenience [00:21:19] Creating a Comprehensive Welcome Booklet [00:22:11] Pet Care During Home Exchanges [00:22:59] History and Evolution of Home Exchange [00:24:45] Membership and Insurance Benefits [00:25:58] Airbnb Experiences: The Good and the Bad [00:31:34] Challenges with Airbnb in France [00:34:57] Who Should Consider Home Exchange? [00:35:46] Preparing Your Home for Exchange [00:37:28] Final Thoughts and Future Plans [00:38:37] Thank You Patrons [00:39:30] VoiceMap Tours [00:40:29] Tour Triangle [00:41:53] Louis Vitton Hotel in Paris [00:43:34] The Parc de la Villette [00:44:10] Place de la Concorde [00:45:10] The Tour Montparnasse [00:48:15] Next week on the podcast [00:48:37] Copyright More episodes about budget travel in France #JoinUsInFrance, #FrancePodcast, #TravelFrance, #FrenchCulture, #ExploreFrance, #DiscoverFrance, #FranceTravelTips, #RealFrance, #Francophile, #FranceAdventures, #HomeExchangeSecrets, #TravelForFree, #SlowTravelFrance, #LiveLikeALocal, #ParisTravelTips, #AffordableFrance, #HiddenFrance, #TravelHacks, #AuthenticTravel, #BudgetTravelFrance
This episode explores how to tell the difference between normal marriage struggles and covert narcissistic dynamics. We focus on the subtle patterns that create confusion, self-doubt, and the fear that you might be overreacting or expecting too much. Many people living inside covert narcissistic dynamics aren't dealing with constant conflict or obvious cruelty. Instead, they're navigating moments that almost feel normal—disagreements that never resolve, conversations that leave them questioning their memory, and attempts at grace that are never returned. Over time, that confusion becomes exhausting. In this episode, we walk through real-life examples of healthy conflict versus covert control, paying close attention to what happens when you offer softness, uncertainty, or benefit of the doubt. We talk about why mutual grace is a defining feature of healthy relationships—and what it means when that grace only flows in one direction. This conversation isn't about labeling your partner or diagnosing a relationship. It's about giving you language for what you feel, helping you notice patterns without self-blame, and restoring trust in your own internal signals. If you've ever wondered, “Is this just marriage—or is something else happening here?” this episode is designed to help you find clarity without pressure. Chapters 00:00 Introduction to Covert Narcissism 02:13 Understanding Healthy Relationship Dynamics 06:09 The Impact of One-Sided Grace 10:02 The Illusion of Flexibility in Covert Dynamics 13:47 Observing Relationship Patterns 17:05 Next Steps in Understanding Your Relationships DISCLAIMER: THE INFORMATION PROVIDED BY RENEE SWANSON, COVERT NARCISSISM PODCAST, AND CNG LIFE COACHING IS FOR EDUCATIONAL PURPOSES ONLY AND IS NOT TO BE USED FOR DIAGNOSIS PURPOSES AND NOT INTENDED TO BE A SUBSTITUTE FOR CLINICAL CARE. PLEASE CONSULT A HEALTH CARE PROVIDER FOR GUIDANCE SPECIFIC TO YOUR CASE. THIS MATERIAL DISCUSSES NARCISSISM IN GENERAL. RENEE SHARES STORIES FROM HER PERSONAL EXPERIENCES AS WELL AS FROM THOSE SHE HAS TALKED WITH FOR SEVERAL YEARS. HER MATERIAL DOES NOT CLAIM THAT ANY SPECIFIC PERSON HAS NARCISSISM AND SHOULD NOT BE USED TO REFER TO ANY SPECIFIC PERSON AS HAVING NARCISSISM. PERMISSION IS NOT GRANTED TO LINK TO OR REPOST THIS MATERIAL TO SUPPORT AN ALLEGATION OR SUPPORT A CLAIM THAT ANY SPECIFIC PERSON IS A NARCISSIST. THAT WOULD BE AN UNAUTHORIZED MISUSE OF THE MATERIAL AND INFORMATION PROVIDED. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Yoga, Grace, and Listening to Your Body
In this episode of Tech Talks, Mayer Brown partners Julian Dibbell, Brad Peterson, and Spencer Glende explore how companies can structure IP frameworks in contracts to support innovation in emerging technologies. They discuss why traditional contracting approaches often fall short in high-uncertainty environments and outline practical strategies—such as joint governance, flexibility, and aligned incentives—to help parties collaborate effectively and maximize long-term value. Show notes: 00:02 Introduction to IP Frameworks in Contracts for Emerging Technologies 2:00 Defining "emerging technology" 5:21 IP Contracting Perspective 11:09 How to build IP frameworks 12:19 Key 1: Clarity of Common Purpose 13:49 Key 2: Mechanism of Joint Steering Committees 19:26 Key 3: Maximizing Innovation Value 22:26 Key 4: Element of Flexibility and Optionality 26:24 Key Takeaways
More Than Small Talk with Suzanne, Holley, and Jennifer (KLRC)
Sometimes plans change, detours happen, or life stretches us a bit. How do we respond in those times? We share why adapting is different from quitting, what makes curiosity one of our favorite qualities, and how to move into the new year with an open heart. ResourcesFind Your Purpose in this Season, online course by Holley Gerth
The state of things right now isn't exactly predictable. Costs are up, people feel cautious about spending, and there's this underlying tension around money that's hard to ignore. If you're working full time and thinking about becoming a financial coach this year, or if you're already coaching and trying to figure out how to navigate 2026 without burning out, this episode is for you.The good news? Flexibility is your competitive advantage right now. When your expenses are lean and your approach is strategic, you can be generous with clients, creative with pricing, and responsive to what people actually need. This isn't about playing small or operating from fear. It's about being the kind of financial leader who can adapt without compromising impact.In this episode, we're talking about practical strategy for this season: why your full-time job might be the best business asset you have right now, how to design your coaching business around your actual life instead of an internet ideal, and what it means to maximize your three key resources (time, energy, and money) when you're already stretched thin.If you've been feeling pressure to go all in, scale up, or match someone else's version of success, this episode will help you see that steadiness is strategy. And the steadiness you create for yourself is exactly what your clients are craving from you.Links & Resources:Ultimate Growth GuideJoin the Facebook groupHow to Create Buy-In Training(free)Episode 138: The State of People's FinancesKey Takeaways:Flexibility is your competitive advantage. When your expenses are lean, you can offer payment plans, adjust pricing, and respond to clients' real needs without financial pressure forcing your hand.Predictable income is a business strategy, not a compromise. Your full-time job gives you something full-time entrepreneurs don't have: the ability to plan, save, and give your business time to grow without crushing pressure.Your business doesn't need to be impressive to work. What matters is whether it fits your actual life, serves your clients well, and gives you something nothing else in your life currently gives you.Scarcity motivates action. Limited availability isn't a weakness. Instead, it cuts down on client indecisiveness and makes scheduling easier for everyone involved.Focus on activities that fill a gap only your business can fill. If your full-time job is high pressure, make your business fun and relaxed. If parenting feels thankless, let client appreciation fuel you.You have to claim what you need and ask for it specifically. The hardest help to ask for is often just space, permission to focus on your business for a Saturday morning without guilt.Steadiness is what your clients are craving right now. By creating it for yourself first, you bring that same grounded energy into every coaching session.
How do you keep members engaged when the industry is undergoing constant mergers and acquisitions? How can an association stay flexible, strategic, and still build a sense of community?In this episode of Associations Thrive, host Joanna Pineda interviews Leakhena Swett, President of the International Liquid Terminals Association (ILTA). Leakhena discusses:What liquid terminals are and how critical they are to the global supply chain, from fuels and chemicals to molasses and palm oil.The diverse membership of ILTA, including 70 terminal members and 300+ supplier members providing everything from drone tech to cleaning services.The constant M&A activity in the industry, and how ILTA mitigates the risk by staying in communication with members and focusing on value.How Leakhena's background in technology and systems thinking has shaped her strategic approach to leading ILTA.A flexible strategic plan that allows ILTA to pivot quickly, given how fast the industry and regulatory environment are changing.How ILTA is responding to increased demand for in-person engagement by taking committee meetings to member locations.The big changes coming to ILTA's 2026 annual conference, including CEU accreditation and shorter, more dynamic sessions with organic networking.An intentional move away from rigid session tracks to more inclusive, cross-functional learning.The expansion of roundtable discussions at the conference, supported by a mobile app for gamification and post-event engagement.Why ILTA relocated its HQ from Arlington, VA to downtown DC to better serve its advocacy mission and engage directly with federal agencies.References:ILTA Website
How cold affects muscles, blood flow, and cardiovascular risk—plus practical ways to keep moving safely indoors and out. Biomechanist Katy Bowman and biologist Dr. Jeannette Loram explore how cold air and cold water affect muscle function, blood flow, heart rate, and blood pressure during exercise. They unpack how vasoconstriction increases cardiovascular demand, and why activities like snow shoveling and cold-water swimming carry specific risks. The episode also offers practical strategies for continuing to move safely outdoors throughout the winter months.Even when winter keeps many of us indoors, movement doesn't have to disappear. Karri Bowen-Poole of Smart Playrooms joins Katy to discuss how indoor spaces can be designed to encourage movement for kids, teens, and adults. They share ideas for simple, versatile equipment that supports strength, coordination, and play, explain why visible and aesthetically pleasing setups matter, and describe how rotating movement tools over time helps sustain interest as needs and abilities evolve.Enhanced Show Notes and Full Transcript00:14 Discussing Cold Weather and Its Impact 01:19 The Dynamic Collective 03:07 Practical Tips for Exercising in Cold Weather 03:43 The Importance of Balance, Slip Training, and Other Winter Exercise Tips 10:45 Cardiovascular System, Cold Weather, and Snow Shoveling 21:52 Cold Water Immersion and Its Effects 29:46 Listener question: Hallux Limitus and Foot Issues 36:02 Introducing Smart Playrooms LINKS & RESOURCES MENTIONEDKaty's 2025 Advent featuring Venn Designs Air ChairsSmart Playrooms x Move Your DNA equipment picks Smart Playrooms setting up a teen roomSmart Playrooms Sport Court sectionCONNECT, MOVE & LEARNJoin Our Newsletter: Movement Colored GlassesFollow Katy on SubstackTry Katy's Virtual Studio Free for 7 days!MADE POSSIBLE BY OUR WONDERFUL SPONSORS:Peluva: Five-toe minimalist shoes that move like you do—take 15% off with code NUTRITIOUSMOVEMENT.Smart Playrooms: Beautiful playroom design and movement-rich equipment—save 10% on monkey bars and rock-wall items with code DNA10.Movemate: Active standing boards with smoothly articulating wooden slats. Designed to keep you moving without interrupting your focus.Ikaria Design: The Soul Seat® offers height-adjustable, multi-position sitting—get 10% off new chairs and desks with code DNA10.Venn Design: Beautifully upholstered ball-shaped Air Chairs that encourage dynamic sitting.My Happy Feet: Toe-spacing socks that gently realign toes for comfortable recovery—take 20% off with code MYDNA.Thoughts/questions email us at podcast@nutritiousmovement.comYour Voice on the Podcast: Read The Credits
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Watch Us On YouTube! Big changes are coming to Bilt — and yes, it involves bananas.
Mike Johnson, Beau Morgan, and Ali Mac recap and react to the Atlanta Hawks 141-116 loss to the Los Angeles Lakers last night in LA, let you hear Hawks General Manager Onsi Saleh explain why he thinks now was the time to trade Trae Young, react to what Onsi had to say, and explain why they think the Hawks financial flexibility is why the team's future has a chance to be very bright in the post Trae Young era.
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Dr. Keith Humphreys is a professor of psychiatry and behavioral sciences at Stanford School of Medicine and a leading expert on treating addictions, drug laws and policy. We discuss all the major addictive substances and behaviors, including alcohol, opioids, gambling, stimulants, nicotine, cannabis and more, focusing on how genetics and certain use patterns shape addiction susceptibility. We discuss the best evidence-based tools for recovery, from 12-step programs to emerging treatments such as psychedelics and ibogaine. Anyone interested in making better choices for their health and/or seeking to avoid or overcome addictions ought to benefit from this episode. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman David: https://davidprotein.com/huberman BetterHelp: https://betterhelp.com/huberman Helix Sleep: https://helixsleep.com/huberman LMNT: https://drinklmnt.com/huberman Timestamps (00:00:58) Keith Humphreys (00:03:22) Addiction; Genetic Risk (00:09:14) Alcohol Use Disorder & Alcoholism; Genetic Predisposition & Addiction Risk (00:18:03) Sponsors: David & BetterHelp (00:20:37) Women & Alcohol Use; Young Adults; Cannabis Use (00:23:36) Health Benefit to Alcohol?, Red Wine, Cancer Risk; Social Pressure (00:31:47) Alcohol in Social Gatherings, Social Anxiety, Vulnerability, Work & Dates (00:37:41) Old vs New Cannabis & THC Levels; Smoked vs Edible Forms (00:44:38) Cannabis & Psychosis Risk; Cardiac Health; Youth Cannabis Use & Transition to Adulthood (00:52:29) Sponsor: AG1 (00:54:13) Industries of Addiction, Regulation; Gambling, Slot Machines, Novelty; Casinos (01:05:28) Decriminalization vs Legalization; Cannabis, Gateway Drug? (01:08:50) Psylocibin or LSD, Addiction Treatment; Microdosing, Clinical Trial Challenges (01:18:58) Sponsor: Helix Sleep (01:20:32) Brain Plasticity & Age; Ketamine, Depression, Transcranial Magnetic Stimulation (TMS) (01:28:10) SSRIs, Mass Shootings, Suicide, Side Effects; Drug Approval; Ibogaine & PTSD (01:36:10) Caffeine Addiction?; Stimulants & Rehab; Prescription Stimulants & ADHD (01:44:04) Nicotine, Mistaking Withdrawal for Benefit (01:47:24) Sponsor: LMNT (01:48:44) Tool: How to Talk to Someone with Addiction (01:55:23) Perception of Addicts, Character Defect, Pain (02:00:58) Overcoming Addiction, Immediate Rewards, AA; Addict & Co-Dependency? (02:09:53) Longterm Drug Use, Dopamine, Cues & Relapse; Social Media (02:16:21) Brain Stimulation, TMS; Homelessness, Substance Use & Rehab (02:26:11) Addiction Treatment Policy, Rehab & Insurance (02:29:08) Tool: 12-Step Programs, AA, Accessibility & Benefits (02:38:08) AA, Higher Power, Cult?; Flexibility, Tool: Open AA Meetings (02:44:38) GLP-1s, Weight Loss, Alcohol Addiction; Pharmaceutical Advertisements (02:52:39) Social Media Addiction, Tool: Avoiding Social Media Strategies (02:58:36) “Failure to Launch”, Youth, Video Games, Social Media; Recovery Pathways (03:04:13) AA as an Action Program, Tool: Try Different AA Meetings (03:08:21) Hospice, Death, Overcoming Fear of Death (03:13:54) Addiction to Escape Death?, Desire for Oblivion (03:18:11) Men vs Women & Addiction; Lying; Relapse; Fentanyl & Addiction Advice (03:24:27) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode, Jerred Moon and Dave discuss a recent study that explores the effects of high-intensity training on cardiac health over two years. They delve into the study's methodology, participant selection, and the significant findings that suggest it's never too late to start exercising. The conversation emphasizes the importance of consistency, adherence to training protocols, and the role of heart rate monitoring. They also share insights on how to track progress effectively and maintain motivation through the Daily Over Decades challenge. Takeaways Two years of high-intensity training can reverse cardiac aging. Participants were sedentary adults aged 45-64, emphasizing inclusivity. An adherence rate of 88% over two years is remarkable. Consistency in training is crucial for long-term health benefits. Zone training and heart rate monitoring enhance workout effectiveness. Flexibility in training methods can improve adherence and enjoyment. Warm-ups and cool-downs are essential for overall health and performance. Daily over decades is a sustainable approach to fitness. Tracking progress can be done simply with analog methods. Community support and education are vital for maintaining motivation. Chapters 00:00 Introduction to the Daily Over Decades Study 02:54 Study Overview and Participant Selection 05:51 Training Protocols and Adherence Rates 08:59 The Importance of Consistency in Training 11:47 Zone Training and Heart Rate Monitoring 15:01 High-Intensity Training Insights 17:57 Flexibility in Training Methods 21:07 Takeaways from the Study 23:47 Daily Over Decades Challenge Discussion 26:46 Tracking Progress and Accountability 29:40 Cheat Codes for Consistency 33:01 Final Thoughts and Community Engagement
Markus Schreyer is a human-performance specialist and one of the world's leading experts in blending neuroscience and fitness. The founder of the Neurotraining Institute, Markus has a background in sports science, and has developed some of the most cutting-edge techniques and methods to optimize human movement and performance. He has extensive experience working with elite athletes from various sporting codes, and is highly respected in the industry for his expertise about the brain. He joins OntheMark to help you to better Mobility, Movement and Focus. Learn about: The hidden system that keeps musculature tight, and How Neurotraining works and how it can work for you. Markus also illustates seven exercises for better movement and a sharper mind: The Frontal Lobe exercise for sharp movement The Cerebellum exercise for good mobility and relief from back tension The Head Rotation exercise for Vestibular System improvement and better balance Eye-movement exercises to neurohack and calm the Nervous System A Brain-Hack to relieve neck tension A Shoulder Mobility exercise with Better Breathing, and Tongue exercises with Michael Jordan as an example. Markus also talks about the Golden Rule - Survival over Performance and how it applies to Performance, Emotional Regulation, Depth Perception, and Anxiety. He also elaborates on the Value of Nasal Breathing. Watch this podcast on YouTube to see Markus demonstrate each of the exercises - search and subscribe to Mark Immelman.
Laurent and Gerard sit down with Jo-Jo Hubbard, CEO of Electron, to explore why the centre of gravity in the energy transition is shifting decisively toward the distribution grid. Jo-Jo explains why the “last mile” is becoming the true engine of system flexibility, how demand at the edge must become a core resource, and why DSOs aren't confused about flexibility at all — they simply respond to the incentives regulators design. Flexibility, she argues, isn't replacing grid reinforcement but making it smarter, helping utilities target and sequence investments far more efficiently at a time when distribution upgrade costs are rising quickly.We discuss how to escape the sector's obsession with endless pilots, and why real scale only arrives when year-round, rules-based products give suppliers and aggregators the confidence to automate and invest. The conversation then turns to the economics of location — from REMA to zonal pricing — and why congestion at the distribution level is where flexibility competes most effectively with copper. Jo-Jo also lays out what it takes to get millions of households engaged without overwhelming them, making the experience effortless, automated and consistent across retailers.She breaks down the hardest parts of the DER orchestration stack, noting that the real challenge isn't cloud infrastructure but standardising how device capabilities and network constraints are described across a patchwork of utilities. Looking ahead to 2030, Jo-Jo argues that no single asset class “wins”: value depends on time, place and service, with EVs likely providing tens of gigawatts of potential flexibility but orchestration remaining the true hero.We cover the future of interoperability and open data — not via global standards, but through adapters and translation layers similar to those that shaped the internet — and examine the cybersecurity demands of cloud-based orchestration as it becomes critical infrastructure. Jo-Jo also gives a global view of progress, from Australia's rapid adoption to the US's accelerating regulatory push and Europe's mix of strong TSO-level progress but uneven local action. She closes with reflections on whether the centralised grid is dying, who should ultimately control DERs, whether blockchain still has a role, and what a nightmare scenario looks like in a DER-dominated world.A fast, clear, and deeply insightful conversation on the rise of flexibility, the reinvention of the distribution grid, and the technologies and rules needed to orchestrate millions of devices.
Episode Summary In this episode of the Work at Home Rockstar Podcast, Tim Melanson chats with Wes Towers, founder of Uplift360, about building a long-term, home-based business that actually supports real life. With more than 20 years of working from home, Wes shares how his definition of success has evolved, why trust beats tactics in marketing, and how AI is changing the way businesses get found online. The conversation covers lessons learned the hard way, building and managing remote teams, niching into the right clients, and adapting SEO for a world where people search everywhere, not just Google. It's a grounded, practical discussion for entrepreneurs who want growth without losing themselves in the process. Who is Wes Towers? Wes Towers is the founder of Uplift360, a digital agency helping builders, trades, and service-based businesses turn their online presence into a reliable growth engine. He's spent over two decades working from home, building websites, running SEO campaigns, and adapting marketing strategies as technology continues to evolve. Wes focuses on trust-driven marketing systems, authenticity, and human connection, especially in an AI-driven world. His work is rooted in real-world experience, not theory, and he's passionate about helping businesses get found, get trusted, and get chosen. Website: https://uplift360.com.au Connect with Wes Towers Website: https://uplift360.com.au LinkedIn: https://www.linkedin.com/in/westowers/ Facebook: https://www.facebook.com/Uplift360Aus Instagram: https://www.instagram.com/uplift_360/ X (Twitter): https://x.com/uplift_360 TikTok: https://www.tiktok.com/@westowers YouTube: https://www.youtube.com/watch?v=U-1F5MUZ-gg Host Contact Details Website: https://workathomerockstar.com Facebook: https://www.facebook.com/workathomerockstar Instagram: https://www.instagram.com/workathomerockstar LinkedIn: https://www.linkedin.com/in/timmelanson YouTube: https://www.youtube.com/@WorkAtHomeRockStarPodcast X / Twitter: https://twitter.com/workathomestar Timestamps 00:00 — Introduction to the Work at Home Rockstar Podcast 00:30 — A Story of Success: Family Business 02:24 — The Flexibility of Working from Home 04:19 — Challenges and Lessons in Entrepreneurship 08:22 — The Value of Specialized Freelancers 11:46 — Managing Remote Teams Effectively 13:19 — Navigating Friendships in Business 18:52 — Starting a Business: From Naivety to Success 20:26 — Overcoming Fear and Starting a Business 21:10 — Niche Targeting and Business Evolution 21:51 — Impact of COVID and Remote Work 22:24 — Starting a Podcast and Sharing Knowledge 24:22 — Balancing Work and Personal Life 25:53 — Continuous Learning and Adapting to AI 28:04 — The Power and Challenges of AI Tools 36:39 — Exciting Developments in Business 39:28 — Favorite Rockstar and Closing Remarks
On this episode of Life Will Be, Lydia T. Blanco explores the themes of vulnerability, responsibility, and the importance of having a say in one's life. She discusses how having authority comes with the need for discipline and accountability, emphasizing the weight of influence and the necessity of setting boundaries. Through personal anecdotes and reflections, she encourages listeners to embrace their power while being mindful of the responsibilities that accompany it.Key TakeawaysHaving a say in life comes with responsibility.Discipline is necessary to manage freedom.Influence requires careful decision-making.Self-discipline is crucial for success.Boundaries protect our well-being.Accountability is key to personal development.Flexibility should be used wisely.Chapters00:00 Introduction 01:52 Exploring the Concept of 'Say'04:28 The Weight of Responsibility and Discipline07:21 Self-Discipline and Accountability09:31 Boundaries and Their ImportanceStay Connected@LifeWillBePod - @LydiaTBlanco
In this episode, 10 Family Office Myths exposed (and debunked). https://youtu.be/j1cgcZZcRBM Welcome back and Happy New Year on the Wealth Actually podcast. I’m Frazer Rice. We have a fun show today where we talk about 10 myths in the family office space. Mark Tepsich, who runs the family office governance practice at UBS is here as we dish into the ideas and concepts that are misunderstood in the family office world. Summary This conversation delves into the complexities and myths surrounding family offices, exploring their structure, governance, and the unique challenges they face in wealth management. The discussion highlights the importance of understanding the specific needs of families and the role of family offices in managing complexity and preserving wealth across generations. It also addresses common misconceptions about family offices, including their necessity, governance, and their relationship with institutional investors. Takeaways Family offices are established to manage complexity in wealth.Not all family offices are the same; each has unique needs.Governance frameworks are essential for effective family office management.Many family offices outsource functions rather than internalizing them.The myth that 85-90% of family offices shouldn’t exist is false.Shirt sleeves to shirt sleeves is a debated concept in wealth preservation.Family offices need to adapt to the evolving needs of families.Investment functions in family offices are often secondary to administrative roles.Family offices are driven by complexity rather than just size.The future of family offices may involve more direct investment opportunities. Chapters: Family Office Confidential 00:00 Understanding Family Offices: Myths and Realities02:02 The Complexity of Family Office Structures04:37 Debunking Common Myths About Family Offices06:17 The Role of Outsourcing in Family Offices07:54 Generational Wealth: The Shirt Sleeves Myth10:51 Flexibility vs. Permanence in Family Offices12:48 Governance and Decision-Making in Family Offices15:49 Investment Functions in Family Offices18:05 Size vs. Complexity in Family Offices20:09 Family Offices vs. Institutional Capital21:19 The Aspirational Nature of Family Offices23:30 The Relationship Between Family Offices and Institutions25:36 Technology in Family Offices: Current Trends29:03 Family Offices and Private Equity: A Comparative Analysis Myths 85-95% of FO’s should not exist vs. “there is no such thing as a family office’ Family office internalize everything A Family Office Anchored by an operating business is the same that is one funded solely by liquidity event Shirtsleeves to Shirtsleeves is myth Family offices are designed to be permanent’ Family Offices don’t need high end (almost SOX) like governance Family Offices are driven by net worth (no, by complexity) Family Offices are built on a robust investment function (no, it”s complexity management- often rooted in bookkeeping and accounting) Family Offices are like institutional Capital (no, many more motivations than pure returns- including whimsy and the knee-jerk ability to override the IPS) Family Offices are the right result for a career (they could be, but it is extremely unlikely- a lot of things have to be “just right” and there is little to know patience for development Family Offices make great wealth clients (very much depends on the function and the product- they can be difficult consumers) Family office tech is best – in – breed (No and it probably never will be) Family offices shun Large institutions (Surprisingly, no- needed for deals, expertise, and most importnatly financing and introductions) Keywords family offices, wealth management, governance, investment strategies, family dynamics, myths, financial planning, family wealth, complexity management, family governance Transcript: Family Office Myths Busted Frazer Rice (00:04.462): Welcome board, Mark. Mark Tepsich: Hey, Frazer, good to see you again. Appreciate the opportunity. Frazer Rice: Likewise. So let’s get started first. We’re going to go into some of the myths around family offices. But you really participate in kind of an interesting subset of that in terms of helping families design and govern them. What exactly does that mean on a day-to-day basis for you? Mark Tepsich: Yeah, good question. So, you know, it means a couple of things, right? So if you think about a family office, you have families that are at the inception point, right? Where things are getting too complex for them. They need to set up some sort of infrastructure. And it’s really like, what is a family office? What can it do for me? What are the pros, cons, and trade-offs? Where do I start? What’s the infrastructure, the systems? Who do I hire? How do I structure a compensation? So you’ve got families maybe coming at it. From post liquidity event, maybe coming at it from, we need to lift up, lift out this embedded family office out of the business to, hey, we’re an existing family office. We’ve got, you know, we’re evolving, right? The family’s growing, their enterprise is changing, the world around us is changing. People are leaving the family office, the next gen’s getting incorporated into the family office in some way. We’ve got some questions that could be, how do we engage the next generation through the family office? Mark Tepsich (01:21.614): How do we make decisions, communicate around our shared assets and resources, which could be a portfolio, maybe even a business, or hey, how do we come together and hire? What is this profile of this person look like? Who should we hire and not hire? What’s the structure of their compensation, carry co-investment, leverage co-investment? What’s the tech stack look like across accounting, consulting, reporting? Now, how do we insource and outsource? So it’s sort of. I like to call it organizational capabilities. So, you know, sometimes it’s soup to nuts, like starting from zero, other times it’s, we’ve been around for a long time, but we have a couple of questions. So that’s kind of my day to day. And, you know, I’ve been living this really since 2008 pre-global financial crisis. Frazer Rice So we’re going to go into, I think, some of the craziness of the family office ecosystem where we have people who wear many hats, people who wear masks, some people who are jokers and other people who are really good technicians and provide a lot of great insight. One of the things you were talking about is that the different types of mandate can be different. And I think maybe one of the first myths we should tackle is the The bromide that if you’ve seen one family office, you’ve seen one family office, which is thrown around at every family office conference and everybody chuckles for a minute and then it sort of washes away and no one cares anymore. What do you think about that statement? Mark Tespich (03:19.006): So I don’t necessarily think it’s true. And here’s what I mean. Let’s make an analogy to this, right? A business needs certain core infrastructure to just operate, right? And using accounting back office, you know the inflows, the outflows, you know, if you’re make a decision, these are the steps you have to go through. And so a family office, right? It needs to incorporate that, but it needs to incorporate it with the family and the family enterprise that is existing for that family, right? So, yeah, each family office is different because each family is different, but that’s like saying you’ve seen one business, you’ve seen one business, right? The strategy could be, the culture could be different, but, you still need some core operating infrastructure. And again, there’s accounting infrastructure, and that’s the basics, right? So there’s a curl of truth, but largely I think that it is false. Well, and at the same time, yes, families are different, but in general, families are trying to get to the same place, which is, know, they want to steward the wealth. They want to make sure it benefits the family and the other constituencies. And they want to make sure that it’s preserved over time. And those functions, you know, it’s very infrequent. You’d find the functions not there. And so how you get from A to B may be different, as you said, but there are a lot of universal truths to setting one of these things up. Frazer Rice So one of the other myths that we’ve come across is the idea that 80 to 90 percent of family offices shouldn’t exist. is, people and families set these up for, let’s call it the wrong reasons. Maybe it’s fear of missing out, maybe it’s great cocktail party chatter, maybe it’s an overdiagnosis of their needs. What do you think about that? Mark Tepsich Again, false. know, family offices are largely a function. They largely exist because there’s a market scale here. And what I mean by that is when you look under the hood at a family office, you’ve got basics of an accounting firm. You’ve got basics of an investment slash wealth management firm. You’ve got the basics of a legal slash tax firm. And then you’ve got essentially everything in between. And when you look at professional service firms out there, They can’t provide all of those under one roof, whether compliance or regulatory reasons. But the other reason is because no business model out there can really scale the complexity that each one of these families has. So yeah, you could outforce a lot of this stuff, but at the end of the day, family offices often exist because of a market failure. so, false, 85 to 90 % of family offices should exist. Frazer Rice (05:41.164) One of the other things, I’ve been around enough of these getting set up, is that the family office, if we get into sort of a technical structure, such that you set up a structure so that you’re able to deduct the expenses related to administering the wealth around that, that’s a valid reason to do things in addition to the organizational component. So I agree with you that there’s, to say that they shouldn’t exist is sort of belying the notion that these functions should take place internally. And I think you spoke to that. And I guess that gets to another myth, which is that family offices should internalize all of these functions. You just talked about it a little bit, that that’s not a great business model either. Mark Tepsich No, mean, yeah, so, you know, 85 to 90 % of family members out there, you just use that statistic, outsource a fair amount of things, right? And what that means is let’s just use tax counsel, for instance, right? This is something that these issues exist in every family office, they exist for every individual, but at the end of the day, should you have, you know, a tax counsel in-house in a family office that’s only doing, you know, income tax advisor work? Probably not. For 95 % of family offices because the frequency just isn’t there, right? So, you if you look at general councils alone, right? So they should have a broader mandate than income tax. should have well-transferred estate planning. Every family has those issues, but do they have the frequency to warrant bringing that individual, that professional and the rate, the cost? Probably not. a lot, you know, most family offices outsource a fair amount of whether it’s investment management, manager selection and due diligence. So false. Most fair amount offices do outsource a fair amount. Frazer Rice (07:31.374) One the things, this is one of my favorite controversial topics in the family office ecosystem of vendors that are out there is this notion that shirt sleeves to shirt sleeves is a myth. that the, and for those who don’t know what that means is, know, the first generation has generated the wealth, the second one enjoys it. And then the third one for a variety of reasons is ill-equipped to carry the wealth forward. And then everyone kind of goes back. It transcends culture. It’s lily pad to lily pad. You know, there’s a British version and a Russian version and whatever version. But the advice ecosystem around this is such that there’s a lot of debate about the statistics that have, quote unquote, proven that. And I can listen to that and say, yes, those may be very narrow. But there is a myth out there that shirt sleeves to shirt sleeves is a myth. Maybe you have some comments on that. Mark Tepsich Man, this is a tough one. I will say this will probably be the toughest one. So I think once a family becomes wealthy, right? And you can kind of define that as, the wealth, meaning the financial wealth will last a few generations with really out, with really nobody working, right? Let’s just define it that way. It’ll last a couple of generations if you make some not dumb decisions, we’ll call it. I think such as the financial markets today, right, as long as you’re diversified, you will stay wealthy. Does that mean you are going to have the same amount per capita over time? Maybe not, right? So if you look at it today, is a nuclear family of four, and you look at it 50 years from now, and the family is 30 people, right? I don’t know what the growth rate would have to be on those assets. So I think the family will remain wealthy whether they remain, you know, on a per capita basis, right? That’s a different story. I think what this is missing, however, I think the numbers kind of overshadow what this is getting at. I think when you look at it, when you take a step back, that first generation wealth creator, right? Will the family continue to be builders and entrepreneurs down the road? Frazer Rice (09:50.26) That I think that’s the question. Will they continue to kind of reach their full potential? I think that is that should be the focus. I’m going to punt on this one. I think it’s TBD and it’s there’s no set answer. I think the idea that the returns, To get back to your point is that as you go from generation to generation, the complexity increases, I’d say geometrically. Whereas the assets in many ways are going to be designed to increase linearly. And so at some point it may be 14 generations down the line when you’ve got 300 people that you have to take care of, are those assets gonna be in place to be able to support the level of living that people expected in generation one, two, and three? I think that’s the equation we’re all trying to fight. And so I’d say while Shirt Sleeves to Shirt Sleeves isn’t necessarily a prophecy, it’s definitely something that has to be addressed. So I’m gonna say that the fact that Shirt Sleeves to Shirt Sleeves is a myth, I think that’s the myth. Mark Tepsich So that’s where I draw my line in the sand there. think there’s an equation you constantly have to fight. Okay, so here’s another one. Family offices are designed to be permanent. I happen to think that they start out trying to be permanent, but in actuality, they really have to be more flexible and flex with the needs of the family, even at the first or second generation. Yeah, I would agree. Often they’re established for a good reason, right? That reason is complexity. Whether that complexity continues to exist for the family is a different story, right? You might have a business being sold. The family might just say, “hey, we don’t need to do all these direct investments, these alternate investments. Let’s just keep it simple, keep it passive.” I don’t think they’re designed to be permanent. I think families don’t really think about that too much. They want to exist for probably the existing generation that’s leveraging it and they wanna transition it, to your point, be flexible over time. But I don’t think anyone like a business, right? If you think about a business, the business generally speaking, it’s meant to exist in a perpetuity. That’s why you have a business, right? It’s not a sole proprietorship, but a family office, I think it’s TBD, right? So, you know. I don’t think anyone’s setting up a family that will say this is going to exist a thousand years from now. And I think if they came out and said that, think that it would add question and motivations. Frazer Rice Maybe we may be welcoming the Martians, we may be speaking Mandarin. There’s a thousand things that could happen in between here and then, that’s for sure. Here’s a myth that I think you and I are both going to agree is one, which is that family offices, for the ones that we think are going to try to persist, don’t demand necessarily Sarbanes-Oxley or high-end governance. Mark Tepsich I think as family offices mature, meaning as the family evolves, they do need some sort of decision-making framework. Especially if they’re going to really come together and act like somewhat of an institution. What I mean by that is, under the hood of a family office or under the hood of a family, let’s say there’s 10 family members. Let’s say there’s 20 to 25 trusts within that. You know, you could come together and pull your assets, right? And pull your resources. That’s part of the reason for having a family office. And so you just have a larger pool of capital. When you’re doing that, you do need governance. Okay? But if you’re gonna have, it’s just like, hey, we’re gonna have our separate portfolios. We’re not gonna come together and have pooled investment vehicles. You might not need an investment company, okay? And there might be good reasons to have an investment committee. In fact, many the investment committees I see, they’re not like college endowments where, we got eight people or nine people on here. We need to agree at least have five people to agree to allocate to this manager or change the allocation or change the IPS, depending on where that authority resides. I often see many investment committees for families, hey, we’re just collaborative in nature. We’ll get together. We’re going to have a meeting and talk about different strategies. Different advisors, things we should be doing. But if they’ve always had to agree at the family business level, they might not wanna have that same construct in the family office slash investment portfolio. If they’ve always struggled, know, come into agreement at the family business, now they’re gonna like, hey, we’re gonna recreate this dynamic. don’t have a binding construct. In fact, we ran a report, it’s coming out hopefully in the next couple of weeks. on family enterprise governance and a component obviously is the investment committee. 70 % of the investment committees out there are advisory in nature, meaning they don’t make binding decisions. They take it back to the trustees or whoever the authority is and they say, hey, here’s what we think, right? So individual family investors, whoever that is, co-trustees, it’s a, okay. So I do think governance is important, but it depends on what you mean by that, right? Should there be an IPS in place? I 100 % think that each family investor should have an IPS in place. The biggest mistake I see there is, hey, we’ve got this shared pool of capital. We’ve got 50 trusts. We’ve got one single IPS, right? I think that is a big mistake. don’t think that’s good governance. So it really depends on what you mean, but I think, yes, there should be some decision-making framework that you’re following. Otherwise, what exactly are you? Adhering to it, right? Like, what is your framework? What is your decision making tree? Frazer Rice (15:53.902) On top of that, possible myth. Family offices are built on a robust investment function. I mean, yes, there are some that are like that, right? You know, there’s a big names out there, MSD, Pritzker, so on and so forth. Those are the exceptions rather than the rule. Most family offices, 85 to 90 % are formed to manage the complexity, right? So again, otherwise you’re gonna have all these outsourced providers and that just doesn’t make sense when you’re trying to make a decision, because you need all the different parts to come together. They’re often built as administrative functions first, rather than, we’re gonna go start the next, you know, a private equity firm. that’s false. Frazer Rice The, as I like to say, probably to the boredom of a lot of people who talk to me a lot is that a lot of these really are built on a bookkeeping or an accounting spine. You’ve got to manage the inflows and outflows of everything and keep track of what you have or else you can have a great investment function, but things are going to spill all over the place. Mark Tepsich (17:30.872) I’ll never say, yeah. mean, and that actually goes back to good governance, right? So I always say, it’s not provocative. I’ll say, listen, this is not a provocative answer, but you need to create that first. And most of the people that are considering this rate are business owners. So they’ll intuitively get that. In fact, that function might exist somewhere at the business, but it’s really not organized. And without that function, like, it’s hard to make a decision, right? If you’re going to allocate 20 % of your portfolio, to private equity drawdown vehicles. got cap calls, capital commitments, distributions, like that needs to be budgeted and forecasting, right? So a lot of these families will have, one nuclear family can have three to four homes, 10 bank accounts, 20 entities. It’s not like a single piggy bank that you could take cash out of and move it every which way, right? Those are owned by different vehicles, different trusts, different assets and things like that, so. Frazer Rice Here’s a myth that I espouse which is Family offices and whether you have one or not is driven solely by size whether you have five billion or two hundred million or something like that that if you aren’t a certain size you shouldn’t have one and if you’re Of a certain size you must have one. Mark Tepsich That’s a myth. It’s driven by complexity first. I’ve seen, I’ve spoken to people that are worth two to $3 billion. It’s concentrated in a few stocks, meaning like they were early stage employees, right? They’re still in it. They’re getting a healthy dividend at this point. Guy talked to couple years ago. He had two homes, two cars, probably 95 % of his network was tied up into two separate securities that were probably traded. And he’s like, I don’t think I need a family office. You want to know what one was, what it could do from. And I’m like, listen, if you don’t have the complexity, it probably doesn’t make sense. Okay, if you can make a decision within whatever framework you have, whatever complex you have. Now, the other, you know, there is a cost factor to it, right? It gets easier to start a family office, meaning hire a couple of people, if you’ve got the… asset base for it to make sense on a cost perspective. So most of the time it’s driven by complexity, but cost does become a factor, right? If you’re worth a hundred million dollars, you’re to go hire 10 people. That probably doesn’t make sense. Frazer Rice (19:28.342) Right. Well, on top of that too, if you, and there’s a sort of the difference between a family office driven by a liquidity event and meeting that’s, that’s all you have versus a family office that’s tethered or sorry, a family business that’s tethered to it, that is also generating cash flows to help pay for things that that’s a big part of the decision. Because if you’re hiring people, you know, a CIO minimum, absolute minimum is probably $500,000. They’re going to need people, you know, you’re looking at at least 3 million. just to get the thing up and running before you start figuring out what you actually have to do. And so the concept that the size is going to dictate completely, it underscores sort of that cost component that you described there. Frazer Rice This is an interesting one and I like this concept to talk about. Family offices are like institutional capital as investors. Mark Tepsich Again, myth, there are some, again, there are some that are like institutions. They have the size and the sophistication. Oftentimes you see them, they’re former PE or hedge fund founders, right? That just aren’t doing any more of it. They made their wealth in the financial ecosystem, in the markets. And so they’re very sophisticated. But by and large, I mean, they’re sort of quasi-institutional, right? So I’ve seen multi-billion dollar family offices that Again, they’re more of the administrative hub rather than, we’re gonna be splashing around and playing in the markets and using a lot of leverage and doing a lot of control equity investments. So by and large, it’s the myth. 85 to 90 % are institutional-like. They are there to fill a need and that need is complexity management. Frazer Rice Here’s one on a different angle, which is family offices are the goal for people in the wealth management industry to work for, meaning family offices are a great aspiration for people who work in the industry and that that’s universal. Mark Tepsich (21:34.35) Myth, I think it’s an option. I think it’s interesting. I think it is a growing opportunity for folks that work in, you know, maybe wealth management or investment management or the financial ecosystem. But you didn’t, again, family has been around for a long time, but they’ve really only became, you know, kind of popular post global financial crisis with the rise of PE because of ZERP. You know, I’ll talk to a lot of people that are like in the hedge fund ecosystem looking for a change, right? And I say like, listen, like these opportunities for you are out there, but it depends on the family. It depends on their compensation philosophy as on the culture that you’re going to have to live within. There’s a lot of key man risk. Is it an opportunity? Yes. But again, it is, it is family office by family office. Frazer Rice I tell people too, it’s for people who are used to having lots of clients or lots of institutional support that is going to be a shift. It’s different to have one client. It’s different to have a scenario where the business of a family office, the business model of that particular family office can change on a dime. And if you don’t share the last name of the family you’re working for, you could be in a tough spot. Mark Tepsich Yeah, “we’re gonna build out a sustainability impact portfolio. We’re gonna build out, we’re gonna have a direct investment initiative. We’re gonna allocate whatever, a few hundred million dollars to it.” That person, that professional gets there and then a year or two or three years goes by and the strategy changes because a family member too had to change a heart. And then it becomes, okay, why am I here? Where am I gonna go now? So again, they could be great opportunities. I had a great experience.but it really just depends on the family. Frazer Rice (23:26.894) Here’s one, and you’ve got UBS over your shoulder there, so this is dramatic foreshadowing in some ways, but I think it bears talking about. It’s that family offices shun the large institutions, and that they want it bespoke, they want something peculiar all the time. What do you think about that? Mark Tepsich No, I mean, it goes back to the earlier myth that, you know, basically we’re saying family office should, family office do outsource a lot, right? So again, most family offices are five to eight people, right? I call it family office island, meaning you’re there on the island and you’re like, what is going on outside of the island or off of the island? You know your island really well, right? You know the family, know all the facts inside and out, but they are, I mean, there’s a reason why all these institutions, including UBS, has built out the resources to cater to family offices, right? I’m the perfect example. They brought me on to help our clients build family offices, right? They would not do that if it was gonna cannibalize their business. So they could be great clients and other times it’s like, hey, we’re very insular and we’re gonna keep everything close to the vest. Again, it’s family office to family office. But by and large, they’re great wealth clients. Frazer Rice No, and they also, you know, they need institutions to partner with of size, whether it’s at custody or lending or any number of other functions that are out there. Sometimes, you know, the RIA space is such that, you know, they try to be all things to all people and the appeal of being in, you know, the billionaire space. It takes a lot of people and a lot of effort and frankly a different business model to deal with that and to just sort of wander in and say we’re great and we can do these things. I think that’s a short road for a lot of institutions. Frazer Rice (25:17.602) Again, like we are brutally honest too. And I’ll, and here’s what I mean by that. Well, like we’re rated a lot of things, but I’ll say like, listen, there’s things that we can’t do for you. We can’t be your accounting back office, right? Like we just don’t offer that. We don’t have it. We’ve got a couple firms that would do that. They’re pure plays on it. So they’ve got to be good at it. but you know, use the various institutions for what they’re good for. They’re, know, again, that’s why you’ve got a family office. You can kind of pick or choose and be agnostic as to what you’re using them for. Frazer Rice If we wind down here a couple of last ones: The tech that family offices rely on is going to be best in breed. Mark Tepsich I, listen, I have this power station all the time with family office meeting, like what, what, you know, what tech providers should we be looking at? Listen, family office have grown in, right over the past 10, 15 years that there’s not a question. they’re historically, right. had to use in a family office, had to take basically institutional tools, try to repurpose them for the family office and they just, they’re just kind of clunky, right? The family office is still a cottage industry. If you’re trying to sell the family offices, you’re selling the two firms with five to eight employees, right? So the tools are going to continue to get better. But in my opinion, they’re always going to lag the institutional tools and kind of sophistication. But that’s also because institutional tools are very kind of narrow and deep, whereas the family office tech tools, you’ve got the accelerated reporting, but it needs to link to the accounting. That’s an issue. And so the family of standard day is left with like a bunch of disparate fragmented systems that have a challenge talking to each other. With that said, AI, I’ve been talking to a lot of these sort of mom and pop shops, I’ll call them. They’re firms that are trying to incorporate AI to break down these walls. So it’s not fragmented disparate systems. I use the analogy of it’s like jailbreaking an iPhone. I don’t know where this is gonna be in a couple of years, but I think the tools are going to continue to improve. But again, you’re probably not going to take a family office tech tool and deploy it at institutional scale. So if that answers your question, I guess it’s a measure. Frazer Rice First of all, I think it’s going to take a long time before something, quote unquote, replaces Excel, which is still a powerful tool that is flexible and does what it says it’s going to do. And people use it sometimes at their own peril to be the underpinning of everything. the one thing I would add is that the mom and pop software components, I think, have a lot of great ideas. The total market to sell into that, though, does not necessarily make for a great software business. As you say, to get those tools that are specific and required at the family office level to be profitable, you got to figure out a way to sell that into something bigger. I’m not sure there is anything bigger. Mark Tepsich (28:49.358) Yeah, I mean, you’d be better selling it to, you know, small businesses, right? So, I mean, the tools are going to get better, but there’s been a lot of interest recently in the past couple years. I don’t think, I think most of them are not going to survive. I don’t want to say there’s only going to be a couple winners, but on the Consolidated Reported Front, I really think there’s only going be a couple winners because you need scale. And again, family office, if you’re looking to make a decision, you’re like, well, okay, well, 5,000 users use Adapar and 50 use this other platform. So which one are you gonna choose? You don’t wanna onboard to the one that has 50 and then three years down the road, they’re out of business, or there’s fold or something like that. So with scale comes a little bit of security that at least you know that a lot of other people are using. You could point to that. Frazer Rice Last question. Family offices will rival PE firms in terms of influence in the investing market? 85 to 90 % will not rival PE firms. That’s not what they’re set up for. That’s not the goal of most family offices. Again, it’s complexity management. Will some rival PE firms? Yeah. But again, you… Listen, I’ve seen some family office go out there and raise their party capital. When they do that, they’re not a family office anymore. They might have a component in there, but they’re private equity firms. What you’re getting at is private equity firms are raising a fund every couple of years. Can a family office do that? No, because once they do that, they will be a private equity firm. So PE by and large has an infinite capital source, as long as they are good at what they do, right? So with that said, you know, there’s a lot of entrepreneurs that are are post liquidity events have played in the direct investment space, they really wanna do it. They’re still young, right? They’re billers, operators created. They wanna do it from a different vantage point. They’re coming to a realization: “that w”We need to start a fund.” I really love that story because again, they’re founders and operators. They didn’t come from the financial ecosystem first to do this. So I think they’re putting a different spin on PE. I think it’s great for the PE industry as a whole, by the way. And I think, if you’re a founder or a business owner, you might have an easier time taking an equity investment from somebody like that, who’s known in that specific industry that they made their money in, who’s had to make payroll. And they probably have a different timeline than normal PE that’s looking to flip every three to five years. So I think as an investor, I think that would be an interesting investment opportunity, right? And so it’s like, okay, well, part of my PE allocation, you know, This might look interesting. I hesitate to make, you know, I’m not an investment person, so. Frazer Rice Great stuff. Mark, how do people find you and reach out? Mark Tepsich I’m on LinkedIn. I would attempt to just spell my name with my email address at ubs.com, but it’s very lengthy. You just hit me up on LinkedIn. But, Frasier, I appreciate the time. This was great. Frazer Rice I’ll have that in the show notes and as a final parting, we sort of listen to people say, the family space is getting loud. I’m not sure it is. I think the vendors are more loud than the family offices are. I don’t know what your experience is there. Mark Tepsich 100%, the family members themselves are still quiet. You don’t see them out there on LinkedIn. It is the ecosystem to your point around them that is getting loud, right? It’s LinkedIn. It’s like, you know, every time I’m on there, it’s like somebody’s got something to say about families, which is good. Again, if you think about every boom in history, they attract people, right? You could say the same thing about AI, right? But again, it’s become loud, but that’s the industry. It’s not the family offices themselves. Frazer Rice Great stuff. Thanks, Mark. Mark Tepsich Thank you, Frazer. Appreciate it. FAMILY OFFICE DEFINED MORE ON FAMILY OFFICE DESIGN WITH ED MARSHALL https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/
In this Huberman Lab Essentials episode, I discuss how to optimize your workspace to maximize productivity, focus and creativity. I explain how key environmental factors such as lighting, the physical layout of your work area and desk setup can influence attention and performance. I also discuss how specific types of sounds can enhance focus and how to adjust your work environment for particular tasks. These practical, flexible protocols can be applied whether you are working from home, in an office or on the road. Thank you to our sponsors AG1: https://drinkag1.com/huberman Eight Sleep: https://eightsleep.com/huberman ROKA: https://roka.com/huberman Timestamps (00:00:00) Workplace Optimization for Performance (00:00:36) Clutter, Variables for Workspace Optimization (00:02:41) Vision & Light, Tool: Mornings & Bright Light; Windows (00:04:45) Afternoon, Evenings & Light; Tool: Dimming Lights (00:07:13) Sponsor: Eight Sleep (00:07:13) Alertness & Visual Focus, Tool: Screen Placement (00:10:23) Vergence Eye Movement & Alertness, Tool: Visual Breaks (00:13:08) Cathedral Effect, Creative vs Analytical Thinking, Tool: Ceiling Height by Task (00:16:08) Sponsor: AG1 (00:16:08) Background Noise to Avoid; White Noise, Pink Noise (00:20:41) Sound Patterns to Improve Concentration (00:24:00) Tool: Binaural Beat Frequency for Focus; Dopamine (00:25:33) Tool: Managing Interruptions (00:25:29) Sponsor: ROKA (00:26:57) Sit or Stand for Work?, Tool: Sit-Stand Desk (00:30:45) Key Takeaways, Flexibility & Changing Locations Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices
James Clear is an expert on behavioral change and habits and the author of the bestselling book Atomic Habits. We discuss the best ways to build new healthy habits and end bad ones without relying on motivation or willpower. Rather than list off categories of tools or acronyms, James explains how anchoring the changes you want to make in your identity and physical environment allows you to make desired changes quickly and ones that stick. Whether your goal is better fitness and physical health, productivity or mental health, you'll learn actionable, zero-cost protocols to build powerful and meaningful habits. Sponsors AG1: https://drinkag1.com/huberman Lingo: https://hellolingo.com/huberman Wealthfront*: https://wealthfront.com/huberman Joovv: https://joovv.com/huberman Eight Sleep: https://eightsleep.com/huberman Function: https://functionhealth.com/huberman Timestamps 00:00:00 James Clear 00:02:57 Common Habits, Tool: Habit Success & Getting Started 00:06:16 Make Starting a Habit Easier, Tool: 4 Laws of Behavior Change 00:10:18 Sponsors: Lingo & Wealthfront 00:13:26 Writing Habits, Seasons & Flexibility; Adaptability, Tool: Bad Day Plan 00:18:42 Consistency, Flow vs Grind, Master Showing Up, Learning & Practice 00:24:54 Chunking, Getting Started at Gym 00:28:01 Flow Don't Fight, Dissatisfaction & Effort, Tool: Identity-Based Habits 00:34:10 Friction, Competition & Effort; Credentials 00:39:38 Make Effort Rewarding, Mindset, Tools: Previsualization, Emphasize Positives 00:45:59 Sponsors: AG1 & Joovv 00:48:56 Reflection & Learning, Tool: Self-Testing; Perfectionism, Tool: Curiosity 00:55:18 Striving vs Relaxation, Balance, Tool: Turn On/Off; Hiking, Nature Reset 01:04:20 Identity & Professional Pursuits; Choosing New Projects; Clinging to Identity 01:14:24 Sponsor: Eight Sleep 01:15:42 Criticism; Identity & Growth 01:21:47 Failure, Identity, Sports, Tool: Rebounding & Reaching; Public Failures 01:30:03 Daily Habits, Tools: Day in Quarters; Never Miss Twice; Meal Timing 01:38:22 Daily Habit Timing & Sequencing, Tool: Mindfully Choose Inputs 01:45:37 Creativity, Specialization vs Generalization; Books 01:51:31 Sponsor: Function 01:53:18 Habits & Context, Environmental Cues, Tools for Minimizing Phone Use 02:02:01 Bad Habits, Checking Phone, Tools for Breaking Bad Habits 02:08:21 Physical & Social Environment, New Habits, Tool: Join/Create Groups 02:18:40 Family, Habits; Kids & Parenting, Tools: Stimulus; Good Conditions 02:26:05 Impact of Habits, Habits as Solutions; Upcoming Projects 02:32:45 Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter *This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base APY is 3.50% on cash deposits as of November 07, 2025, is representative, subject to change, and requires no minimum. If eligible for the overall boosted rate of 4.15% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the 3 month promo period. Funds in the Cash Account are swept to program banks, where it earns the variable APY. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Learn more about your ad choices. Visit megaphone.fm/adchoices
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