Podcasts about Flexible

The existence of a treasury policy is not a given in every organisation, and neither is a regular update where one is in place. David Mathewson, Regional Director & Treasury Advisor, VUCA Treasury, makes the case for designing and optimising treasury policy in today's challenging environment.

Some tools change your scoliosis routine in the most unexpected ways…In this episode, Kerry and I are diving into the real-life tools, habits, and daily adjustments that make scoliosis self care easier and more effective. From the body lever she waited six months to arrive, to the ergonomic balloon chair I'm testing at my desk, we unpack how simple changes can support your spine, your nervous system, and even your working life.We also talk openly about the physical and emotional load of running a business, how stress shows up in our bodies, and the small boundaries that help us stay grounded instead of overwhelmed.In This Episode You'll Learn:• How to get effective self massage without getting on the floor• What to look for in seating and desk setups when you have scoliosis• How work habits impact pain, sleep, and nervous system balance• Flexible, real-world strategies for fused spines and limited mobilityIf you've ever wished someone would talk about the actual daily challenges of having scoliosis, this episode offers relief, clarity, and a few new tools to try.Links & Resources For This Episode:You can check out the tool Kerry mentioned, The Body Lever HERECheck out the Bloon chair I mentioned HERECheck out Kerry's InstagramSchedule a Discovery Call w/ MeghanMy Virtual Scoliosis Coaching ServicesMy WebsiteFREE At-Home Exercises For Scoliosis

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! El amor moderno no está roto. Solo está buscando una nueva forma de ser vivido. En este episodio especial para fans exploramos el dilema de nuestra época: ¿queremos un compromiso fijo como antes… o una relación flexible capaz de actualizarse sin romperse? Aquí encontrarás: • Por qué el amor actual no quiere jaulas, pero tampoco relaciones descartables. • La tensión entre querer estabilidad y querer el derecho a cambiar si algo deja de tener sentido. • La ilusión óptica de “siempre hay alguien mejor”. • La ansiedad de amar sin tener un guion claro. • El mito de que la libertad rompe el vínculo (cuando en realidad lo oxigena). • Señas concretas de que una relación necesita flexibilidad emocional y acuerdos nuevos. 🎁 Extra solo para fans: Terminamos con un ejercicio práctico en pareja: Acuerdo Flexible de Pareja, para que podáis revisar la relación y crear acuerdos mensuales que cuiden tanto el “yo” como el “nosotros”. 🏷 Lo encontrarás en la pestaña de “Comunidad” en un mensaje con el enlace de la plantilla descargable para hacer el ejercicio paso a paso. 💬 Cuéntame en comentarios qué descubrís al hacerlo, y si queréis, puedo responder en otro episodio especial a vuestras dudas reales. Gracias por apoyar este espacio íntimo donde el amor se piensa, se siente y se elige 💜 Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

In the latest episode of the National Health Executive podcast, we delve into one of the biggest challenges facing the NHS today: how to attract, train, and retain the next generation of health professionals. With alarming statistics revealing over 120,000 vacancies in England and one in five doctors considering leaving their posts, the conversation is more relevant than ever.The episode features a panel of esteemed health leaders, including Felipe Castro Cardona, Debra Padgett, and Stacey Ross, who share their insights on the current landscape of NHS recruitment. They discuss the critical importance of adapting to the changing expectations of new generations entering the workforce. Gone are the days when long hours and a lack of work-life balance were seen as badges of honour. Today's professionals seek fulfilling careers that also allow them to maintain a healthy balance between work and personal life.One of the key themes of the discussion revolves around the integration of digital skills and AI tools in healthcare. As the NHS moves towards a more digitally enabled future, the panel emphasises the need for an upskilled workforce that is comfortable with technology. This shift is not just about improving efficiency; it's about enhancing patient care and ensuring that health professionals are equipped to handle the complexities of modern healthcare.Flexible working models are also highlighted as a vital strategy for retaining staff. The panel discusses the importance of creating environments where employees feel supported and valued. As Stacey Ross points out, “These young people have other aspects of their life. They aren't just NHS employees.” This sentiment underscores the necessity of understanding the holistic needs of staff, which includes their personal and family commitments.Moreover, the episode touches on the significance of apprenticeships and career development pathways. Deborah Padgett advocates for increasing awareness of the diverse roles within the NHS, arguing that every child should have exposure to various career options in healthcare from a young age. This approach not only fills vacancies but also fosters a sense of pride and belonging among future health professionals.As the discussion wraps up, the panel reflects on what changes could be made immediately to transform the NHS workforce. Clear and open communication about career paths, emotional support, and a fundamental shift in how the workforce is perceived are all crucial steps forward.This episode serves as a vital reminder of the challenges and opportunities that lie ahead for the NHS. By embracing change and fostering a supportive, inclusive environment, we can ensure that the NHS remains a beacon of hope for future generations of health professionals. Hosted on Acast. See acast.com/privacy for more information.

Healthcare coverage in America has grown increasingly expensive, placing a heavy burden on families. Medi-Share believes healthcare shouldn't be driven by money or corporatism. Rather than operating as traditional insurance, Medi-Share offers Christians a community of believers who voluntarily share the cost of medical emergencies and other eligible needs. Founded in 1993 under Christian Care Ministry, Medi-Share is a nonprofit sharing ministry rooted in Scripture. Led by chief medical officer Dr. Ian Day, it emphasizes a Christ-centered approach and a strong record of caring for members. It supports critical needs - from emergencies and telehealth to behavioral-health services - inviting believers to “share each other's burdens” and pray for one another.TAKEAWAYSMedi-Share staff members always offer to pray with you on the phone and last year they logged over 450,000 prayers1 Corinthians 6:19 reminds us that our bodies are temples, given by God - therefore, it is critical to take care of our healthThe physical component of life is connected to the spiritual and wellness is an act of worshipSecular healthcare often focuses merely on the physical symptoms, but not on the underlying causes

This is the podcast for alpaca people!In this episode, Steve recounts a chaotic food delivery for the alpacas, reflecting on resilience and how to handle frustration in animal care. He introduces us to Hermione, Alys, and Nona, sharing anecdotes that highlight their personalities and daily routines. The episode culminates in the timely arrival of the food, serving as a metaphor for navigating life's unpredictability. Join Steve for quick lessons on patience, connection, and the joys of caring for animals!(NB summary prepared by AI via Auphonic - I'm not sure what to make of it. Let me know your thoughts)Thanks for listening, and I hope you enjoyed it.You can contact me by email - steve@alpacatribe.com - or leave me a voicemail from your browser.Alpaca Tribe is hosted and produced by Steve Heatherington of Waterside Voices. This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

Tired of endless 80-hour weeks? Chris Vanover is the President and Chief Auditor at CPAClub, formerly AuditClub, and on this special CPA Life Rewind Episode 82, he talks to John Randolph about how he and his team aim to give firms flexible access to experts on demand. Having started AuditClub in January 2022, Chris rebranded to CPAClub in November 2023 as the available services expanded, but the commitment remains the same: bringing value to firms who need expert support to service their clients, while always looking after the number one priority: CPAClub's workforce. Get the full show notes and more resources at CPALifePodcast.com  

Depuis plus de 35 ans, WEP sélectionne les partenaires les plus fiables dans plus de 30 pays et pour 15 langues. Avec WEP, vous trouverez non seulement le programme qui correspond à votre enfant, mais aussi un accompagnement de confiance assuré par des personnes qui ont déjà vécu l'aventure qu'il s'apprête à commencer. Née en 1988 en Belgique, WEP est aujourd'hui une organisation internationale certifiée B Corp, engagée à avoir un impact positif sur les jeunes, les familles, les communautés et le monde. WEP propose différents programmes : • Les séjours linguistiques Cours de langue, immersion en famille sans cours en Irlande, volontariat au Cambodge, au pair en Australie, initiation au japonais ou au coréen … WEP propose une grande variété de séjours linguistiques. Quelques semaines ou une année complète, programmes entièrement encadrés pour les plus jeunes, cours de préparation aux examens pour ceux qui doivent passer une certification : les possibilités sont nombreuses. Et nombreuses sont les destinations possibles : en fonction des affinités de votre enfant et de vos possibilités vous pourrez opter pour un séjour linguistique à Dublin ou à Londres, Toronto, Malte… Pour trouver le programme le plus adapté à votre enfant vous pouvez nous contacter par téléphone au 01 48 26 06 06, venir nous rencontrer dans nos bureaux de Paris et Lyon, nous suivre lors de nos présentations en ligne ou lors d'un rendez-vous individuel, participer à nos nombreuses Portes Ouvertes et réunions d'information partout en France ou nous rencontrés sur nos salons dédiés : le High School Day ou le salon Explore ! Séjours linguistiques et programmes scolaires. • Le programme Dual Diploma Ce programme permet d'obtenir, en plus du baccalauréat français, un diplôme de high school américain. Le Dual Diploma est un programme 100 % en ligne qui permet d'obtenir les 6 crédits nécessaires à la validation du diplôme. Flexible, il peut être commencé à tout moment dans l'année, dès la fin de la quatrième, mais aussi en troisième, seconde ou première. L'élève choisit six matières, suit les cours et passe les examens correspondants. Une fois ces crédits validés et le bac obtenu, il reçoit son diplôme américain. Un atout remarquable pour se différencier sur Parcoursup et devenir fièrement doublement diplômé par la France et les États-Unis. Si votre enfant est inscrit en programme pour une année scolaire aux Etats-Unis, il n'aura à passer que 4 crédits au lieu de 6. Deux crédits étant validés par son année en immersion. • Le programme scolaire en immersion Partir en programme scolaire à l'étranger, c'est bien plus qu'étudier ailleurs : c'est se découvrir, gagner en maturité, s'ouvrir au monde et améliorer son niveau de langue. Dès les premières étapes et jusqu'à son retour, nos équipes seront à ses côtés pour faire de cette expérience un véritable tremplin personnel et culturel. Un trimestre, un semestre ou une année scolaire à l'étranger en immersion permet également de renforcer son dossier Parcoursup : curiosité, ouverture culturelle, capacité d'adaptation, motivation… autant d'atouts mis en avant. L'élève rentre aussi avec un meilleur niveau de langue, ce qui lui permettra de se concentrer plus sereinement sur les autres matières lors de ses études supérieures. Votre enfant a entre 14 et 19 ans et souhaite vivre une aventure hors du commun, explorer une nouvelle culture et découvrir d'autres façons d'apprendre ? Qu'elle/il souhaite faire une immersion aux Etats-Unis, partir au lycée au Canada ou encore partir une année scolaire en Australie, WEP peut l'accompagner dans la réalisation de ce projet. Episode sponsoriséℹ️ SUIVEZ L'ACTUALITÉ DE L'ORIENTATIONInscrivez-vous à l'Hebdo de l'orientation : https://azimut-orientation.com/abonnez-vous-a-la-newsletter/ (vous recevrez en cadeau un guide téléchargeable)

Depuis plus de 35 ans, WEP sélectionne les partenaires les plus fiables dans plus de 30 pays et pour 15 langues. Avec WEP, vous trouverez non seulement le programme qui correspond à votre enfant, mais aussi un accompagnement de confiance assuré par des personnes qui ont déjà vécu l'aventure qu'il s'apprête à commencer. Née en 1988 en Belgique, WEP est aujourd'hui une organisation internationale certifiée B Corp, engagée à avoir un impact positif sur les jeunes, les familles, les communautés et le monde. WEP propose différents programmes : • Le programme Dual Diploma Ce programme permet d'obtenir, en plus du baccalauréat français, un diplôme de high school américain. Le Dual Diploma est un programme 100 % en ligne qui permet d'obtenir les 6 crédits nécessaires à la validation du diplôme. Flexible, il peut être commencé à tout moment dans l'année, dès la fin de la quatrième, mais aussi en troisième, seconde ou première. L'élève choisit six matières, suit les cours et passe les examens correspondants. Une fois ces crédits validés et le bac obtenu, il reçoit son diplôme américain. Un atout remarquable pour se différencier sur Parcoursup et devenir fièrement doublement diplômé par la France et les États-Unis. Si votre enfant est inscrit en programme pour une année scolaire aux Etats-Unis, il n'aura à passer que 4 crédits au lieu de 6. Deux crédits étant validés par son année en immersion. • Le programme scolaire en immersion Partir en programme scolaire à l'étranger, c'est bien plus qu'étudier ailleurs : c'est se découvrir, gagner en maturité, s'ouvrir au monde et améliorer son niveau de langue. Dès les premières étapes et jusqu'à son retour, nos équipes seront à ses côtés pour faire de cette expérience un véritable tremplin personnel et culturel. Un trimestre, un semestre ou une année scolaire à l'étranger en immersion permet également de renforcer son dossier Parcoursup : curiosité, ouverture culturelle, capacité d'adaptation, motivation… autant d'atouts mis en avant. L'élève rentre aussi avec un meilleur niveau de langue, ce qui lui permettra de se concentrer plus sereinement sur les autres matières lors de ses études supérieures. Votre enfant a entre 14 et 19 ans et souhaite vivre une aventure hors du commun, explorer une nouvelle culture et découvrir d'autres façons d'apprendre ? Qu'elle/il souhaite faire une immersion aux Etats-Unis, partir au lycée au Canada ou encore partir une année scolaire en Australie, WEP peut l'accompagner dans la réalisation de ce projet. • Les séjours linguistiques Cours de langue, immersion en famille sans cours en Irlande, volontariat au Cambodge, au pair en Australie, initiation au japonais ou au coréen … WEP propose une grande variété de séjours linguistiques. Quelques semaines ou une année complète, programmes entièrement encadrés pour les plus jeunes, cours de préparation aux examens pour ceux qui doivent passer une certification : les possibilités sont nombreuses. Et nombreuses sont les destinations possibles : en fonction des affinités de votre enfant et de vos possibilités vous pourrez opter pour un séjour linguistique à Dublin ou à Londres, Toronto, Malte… Pour trouver le programme le plus adapté à votre enfant vous pouvez nous contacter par téléphone au 01 48 26 06 06, venir nous rencontrer dans nos bureaux de Paris et Lyon, nous suivre lors de nos présentations en ligne ou lors d'un rendez-vous individuel, participer à nos nombreuses Portes Ouvertes et réunions d'information partout en France ou nous rencontrés sur nos salons dédiés : le High School Day ou le salon Explore ! Séjours linguistiques et programmes scolaires. Episode sponsoriséℹ️ SUIVEZ L'ACTUALITÉ DE L'ORIENTATIONInscrivez-vous à l'Hebdo de l'orientation : https://azimut-orientation.com/abonnez-vous-a-la-newsletter/ (vous recevrez en cadeau un guide téléchargeable)

Depuis plus de 35 ans, WEP sélectionne les partenaires les plus fiables dans plus de 30 pays et pour 15 langues. Avec WEP, vous trouverez non seulement le programme qui correspond à votre enfant, mais aussi un accompagnement de confiance assuré par des personnes qui ont déjà vécu l'aventure qu'il s'apprête à commencer. Née en 1988 en Belgique, WEP est aujourd'hui une organisation internationale certifiée B Corp, engagée à avoir un impact positif sur les jeunes, les familles, les communautés et le monde. WEP propose différents programmes : • Le programme scolaire en immersion Partir en programme scolaire à l'étranger, c'est bien plus qu'étudier ailleurs : c'est se découvrir, gagner en maturité, s'ouvrir au monde et améliorer son niveau de langue. Dès les premières étapes et jusqu'à son retour, nos équipes seront à ses côtés pour faire de cette expérience un véritable tremplin personnel et culturel. Un trimestre, un semestre ou une année scolaire à l'étranger en immersion permet également de renforcer son dossier Parcoursup : curiosité, ouverture culturelle, capacité d'adaptation, motivation… autant d'atouts mis en avant. L'élève rentre aussi avec un meilleur niveau de langue, ce qui lui permettra de se concentrer plus sereinement sur les autres matières lors de ses études supérieures. Votre enfant a entre 14 et 19 ans et souhaite vivre une aventure hors du commun, explorer une nouvelle culture et découvrir d'autres façons d'apprendre ? Qu'elle/il souhaite faire une immersion aux Etats-Unis, partir au lycée au Canada ou encore partir une année scolaire en Australie, WEP peut l'accompagner dans la réalisation de ce projet. • Le programme Dual Diploma Ce programme permet d'obtenir, en plus du baccalauréat français, un diplôme de high school américain. Le Dual Diploma est un programme 100 % en ligne qui permet d'obtenir les 6 crédits nécessaires à la validation du diplôme. Flexible, il peut être commencé à tout moment dans l'année, dès la fin de la quatrième, mais aussi en troisième, seconde ou première. L'élève choisit six matières, suit les cours et passe les examens correspondants. Une fois ces crédits validés et le bac obtenu, il reçoit son diplôme américain. Un atout remarquable pour se différencier sur Parcoursup et devenir fièrement doublement diplômé par la France et les États-Unis. Si votre enfant est inscrit en programme pour une année scolaire aux Etats-Unis, il n'aura à passer que 4 crédits au lieu de 6. Deux crédits étant validés par son année en immersion. • Les séjours linguistiques Cours de langue, immersion en famille sans cours en Irlande, volontariat au Cambodge, au pair en Australie, initiation au japonais ou au coréen … WEP propose une grande variété de séjours linguistiques. Quelques semaines ou une année complète, programmes entièrement encadrés pour les plus jeunes, cours de préparation aux examens pour ceux qui doivent passer une certification : les possibilités sont nombreuses. Et nombreuses sont les destinations possibles : en fonction des affinités de votre enfant et de vos possibilités vous pourrez opter pour un séjour linguistique à Dublin ou à Londres, Toronto, Malte… Pour trouver le programme le plus adapté à votre enfant vous pouvez nous contacter par téléphone au 01 48 26 06 06, venir nous rencontrer dans nos bureaux de Paris et Lyon, nous suivre lors de nos présentations en ligne ou lors d'un rendez-vous individuel, participer à nos nombreuses Portes Ouvertes et réunions d'information partout en France ou nous rencontrés sur nos salons dédiés : le High School Day ou le salon Explore ! Séjours linguistiques et programmes scolaires. Episode sponsoriséℹ️ SUIVEZ L'ACTUALITÉ DE L'ORIENTATIONInscrivez-vous à l'Hebdo de l'orientation : https://azimut-orientation.com/abonnez-vous-a-la-newsletter/ (vous recevrez en cadeau un guide téléchargeable)

We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I've followed the rules—so why doesn't my Retirement Plan feel safe?” https://www.youtube.com/live/gFQYEJWlWpI Bruce gave me the look that says, “Let's tell the truth.” Because we've seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn't. Markets don't ask permission. Inflation doesn't use a calendar. Life throws curveballs, blessings, and bills. If your Retirement Plan only survives in a spreadsheet, it's not a plan—it's a hope. Today, let's trade hope for structure and anxiety for action. What You'll Gain From This GuideYour Retirement Plan Isn't Just Math—It's LifeRetirement Planning Risks You Can't IgnoreSequence of Returns RiskInflation and the Cost-of-Living SqueezeTaxes (The Leak You Don't See)Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a GuaranteeThe Cash-Flow ToolkitFoundations — Guaranteed Income in RetirementFlexibility — Cash Value Life InsuranceDiversifiers — Alternative Income InvestmentsRetirement Plan Buckets Liquidity / “Free” Bucket (safety net)Income Bucket (essentials)Growth / Equity Bucket (long-term engine)Estate / Legacy Layer (optional)Taxes: Design for Control, Not SurpriseBehavior, Purpose, and Work You LoveInfinite Banking—Where It Fits in a Retirement PlanWhat Makes a Strong Retirement Plan?Take the Next StepBook A Strategy CallFAQWhat makes a strong retirement plan?Is the 4% rule safe for my retirement plan?How do taxes impact my retirement plan?Can whole life fit into a retirement plan?What are retirement income buckets?How can I protect my retirement from inflation?What's the role of annuities vs bonds in a retirement plan?Who qualifies as an accredited investor? What You'll Gain From This Guide In this article, Bruce and I break down what actually makes a strong Retirement Plan for real families: Why accumulation-only thinking creates a false sense of security—and how to pivot toward reliable income. The big retirement planning risks to plan for: sequence of returns risk, inflation and retirement, and taxes. Why the 4% rule retirement guideline is a starting point, not a promise. How to use retirement income buckets—in the same language we used on the show—to avoid selling at the worst time. Where guaranteed income in retirement, cash value life insurance, and (when appropriate) alternative income fit. How Roth conversions, withdrawal sequencing, and structure put you back in control. You'll walk away with a practical framework to move from “big balance” thinking to a Retirement Plan you can live on—calmly. Your Retirement Plan Isn't Just Math—It's Life Static models vs dynamic lives.As Bruce said, no family is static. Monte Carlo averages over 50–100 years don't describe your next 20. Averages hide timing risk. If poor returns arrive early while you're withdrawing, “average” performance won't save the plan—cash flow will. From accumulation to income.Most of us were trained to chase a number. But the goal of a Retirement Plan isn't a pile—it's predictable cash flow you can spend without gutting your future. That shift—from “How big?” to “How dependable?”—changes the tools you choose and the peace you feel. Use the LIFE purpose filter.We run every dollar through a purpose lens: Liquid, Income, Flexible, Estate. When each bucket has a job, decisions get simpler and outcomes get sturdier. Retirement Planning Risks You Can't Ignore Sequence of Returns Risk How Your Retirement Plan Avoids Selling Low Sequence risk is the danger of bad returns showing up early in retirement. If your portfolio drops while you're taking income, you must sell more shares to fund the same lifestyle. That shrinks the engine that's supposed to recover—and can cut years off a plan. Your protection: hold dedicated reserves and reliable income so market dips don't force sales. (We'll detail our buckets in a moment—exactly as we discussed on the show.) Inflation and the Cost-of-Living Squeeze Build Inflation Awareness Into Your Retirement Plan Prices don't rise politely. Even modest inflation, compounded, squeezes fixed withdrawals. Bond yields, dividend cuts, and rising living costs can collide. Your protection: blend growth and income that can adjust, avoid locking everything into fixed payouts that lose purchasing power, and review spending annually so your Retirement Plan keeps pace with reality. Taxes (The Leak You Don't See) Retirement Plan Tax Strategy & Withdrawal Sequencing Withdrawals from tax-deferred accounts are ordinary income. That can: Push you into higher brackets Trigger IRMAA Medicare surcharges Increase the taxation of Social Security Complicate capital gains planning Your protection: design taxable, tax-deferred, and tax-free buckets; use Roth conversions in favorable years; and sequence withdrawals to manage brackets and RMDs—not the other way around. Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a Guarantee Stress-Test Withdrawal Rates You Can Actually Live With We don't hate the 4% rule; we just refuse to outsource your life to it. Yields, inflation, fees, and timing change the math. When low-yield years pushed chatter toward “2.8%,” it proved the point. A better approach: Stress-test 3%–5% withdrawal rates. Add non-market income (pensions, annuities vs bonds, business/real-asset cash flow). Keep dedicated reserves so you don't sell at the bottom. Turn a rule of thumb into a plan. The Cash-Flow Toolkit Foundations — Guaranteed Income in Retirement Cover Essentials, Then Take Prudent Risk A predictable floor is priceless. Pensions, Social Security, and income annuities can cover core expenses so volatility doesn't dictate your grocery list. You trade some upside for contractual certainty—and many families prefer sleeping well to chasing every basis point. Flexibility — Cash Value Life Insurance Downturn Buffer, Tax-Advantaged Access, and Legacy Backfill Done properly, this can strengthen a plan: Downturn buffer: use cash value to fund spending during market slides—avoid selling equities at a loss. Tax-advantaged access: policy loans/distributions (managed correctly) can supplement income without spiking taxable income. Legacy backfill: the death benefit protects a spouse and replenishes assets for heirs, letting you spend with confidence. This is one reason infinite banking retirement thinking resonates: control and optionality matter when life isn't linear. Diversifiers — Alternative Income Investments Accredited Investor Rules, Liquidity, and Position Size For those who qualify under accredited investor rules, private credit, income-oriented real estate, or operating businesses can provide alternative income investments with lower correlation to public markets. They're not risk-free and often lack daily liquidity—so size positions prudently. The draw is simple: steadier cash flow vs accumulation. Retirement Plan Buckets We didn't frame them by time horizons on the episode; we framed them by purpose. Here's the exact structure we discussed and use with families: Liquidity / “Free” Bucket (safety net) Cash, money market, CDs, cash value life insurance.Purpose: fund spending and surprises without touching equities during a downturn; bridge timing gaps so sequence risk doesn't bite. Income Bucket (essentials) Social Security, pensions, annuity income, bond ladders, durable dividend payers.Purpose: dependable monthly cash flow for core lifestyle needs so markets don't control your paycheck. Growth / Equity Bucket (long-term engine) Broad equity exposure and other long-term growth assets.Purpose: outpace inflation and periodically refill income/liquidity buckets. Estate / Legacy Layer (optional) Life insurance death benefit, beneficiary designations, trusts.Purpose: protect a spouse and pass values + capital with clarity. Taxes: Design for Control, Not Surprise Roth conversions:Convert slices of tax-deferred money when brackets are favorable to grow your tax-free bucket. Withdrawal sequencing:Blend taxable/Roth/tax-deferred withdrawals to target bracket thresholds, manage IRMAA, and soften RMDs later. Give with intention:If charitable, consider appreciated assets or bunching strategies; align with your estate plan. We also coordinate tax buckets—taxable, tax-deferred, and tax-free (Roth/cash value)—so your Retirement Plan controls brackets, IRMAA, and RMDs rather than the other way around. A tax-smart Retirement Plan can add years of sustainability without asking for more market risk. Behavior, Purpose, and Work You Love Clarity about why the money matters anchors behavior when markets wobble. Travel with grandkids? Fund ministry? Launch a family venture? Purpose steadies the hand. And one more lever: if you enjoy your work, consider delaying full retirement. Each extra year can improve the math dramatically—more contributions, fewer withdrawal years, and potentially higher Social Security benefits. Infinite Banking—Where It Fits in a Retirement Plan Lenders profit from your lifetime financing. Strengthening your family's “bank” can keep more control in your hands: Finance major purchases through your system rather than outside lenders—recapture more interest. Maintain cash value as a volatility buffer. Use the death benefit to protect a spouse and fund legacy goals. It's not magic. It's discipline and design—complementary to the rest of your Retirement Plan. What Makes a Strong Retirement Plan? Built for dynamic lives, not static spreadsheets. Prioritizes cash flow you can spend, not just a big balance. Plans around sequence risk, inflation, and taxes—on purpose.

The discussion turns to Joseph Stalin and his relationship with the legacy of Leninism. Stalin was a more "ideologically flexible" and savvy political operator than Trotsky, who was relentlessly focused on immediate and continuous revolution. While both Lenin and Trotsky employed political violence, the terror under Stalin was a different phenomenon because much of it was directed at high-ranking members of the Communist Party and the secret police in the Great Purge. The purges were motivated by Stalin's paranoia and the need to find scapegoats for the regime's failure to deliver prosperity and freedom. The assassination of Trotsky in 1940 is often seen as wrapping up the Great Terror, though arrests and executions continued.

#685 Ever thought a “boring” business could be your golden ticket to freedom and flexibility? In this episode hosted by Kirsten Tyrrel, we chat with Kate Johnson, founder of Heritage Business Services, who built a thriving bookkeeping business during preschool pick-up hours. What started as a $0 side hustle turned into a profitable, scalable career — all by tapping into a skill most businesses desperately need but few entrepreneurs want to learn themselves. Kate breaks down the real path to getting started in bookkeeping, the essential skills you need, and how to know if this unglamorous (but wildly rewarding) business could be a fit for you. Whether you're looking for a side hustle or a full-fledged business, this episode is packed with practical steps, honest insights, and encouragement for every aspiring entrepreneur! (Original Air Date - 4/18/25) What we discuss with Kate: + Turning bookkeeping into a business + Starting with $0 and no clients + Essential accounting skills to learn first + Free software certifications to test interest + How to find your first clients + Why niching down can help + Pricing strategies that scale + Subcontracting as a side hustle + Building passive income through bookkeeping + The importance of networking and referrals Thank you, Kate! Check out Heritage Business Services at ⁠HeritageBusinessServices.com⁠. Check out Bookkeeping Side Hustle at ⁠BookkeepingSideHustle.com⁠. Follow Kate on ⁠Substack⁠. Watch the ⁠video podcast⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. And follow us on: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textWe record on the road to the mothership to fit a 3D-printed adjustable suction socket using AirFit casting and compare loaded scans to raw scans. David shares his crash-to-career journey, why adjustability matters for neuromas and daily volume, and what makes the Americus foot feel lighter and livelier than it looks.• AirFit casting under load versus direct scanning • Four-scan workflow and remote 3D fabrication • Suction plus adjustability for volume and hotspots • Flexible inner swaps for quick tuning • David's neuroma history and fit lessons • Merecus foot layup, split keel, and energy return • Social media as connector, career builder, and patient support • Choosing a prosthetist who listens and offers trials • Safety, waste, and smarter ovens in the lab • Why 3D printing speeds care and improves revenue cycleFind David: YouTube The Adventurous Amputee • LinkedIn David Slider • Instagram Pirate Peg Leg and The Adventurous AmputeeSpecial thanks to Advanced 3D for sponsoring this episode.Support the show

Tiffany Mittal is a multifamily real estate expert with over 13 years of experience in property management, ownership, and technology. She began her career as an owner-operator, gaining hands-on experience that shaped her understanding of the industry's challenges and opportunities. In 2020, Tiffany co-founded Utility Ranger, a tenant utility billing software company designed to streamline operations and empower small to medium multifamily operators with a value-add tool that increases property value. Partnering with 10X Incubator in 2021 boosted the company's visibility, and in 2023, she launched her latest proptech startup, further advancing innovation in the multifamily sector. A lifelong learner and leader, Tiffany earned a Master's in Global Leadership from the University of San Diego, completed Harvard Business School's General Management Program, and holds certifications in Real Estate Management. Now based in Stuart, Florida, she leads Utility Ranger alongside her husband while raising four children, inspiring the industry with her vision to transform property management through technology. During the show we discussed: Transition from operator to tech innovator. How Utility Ranger streamlines billing. Why RUBS is more efficient with the software. Regaining utility control without extra work. Flexible billing options and benefits. Resident responsibility improving efficiency. Boosting NOI through smarter billing. Integrated payments enhancing invoicing. Key billing challenges Utility Ranger solves. Owner-operator experience shaping the platform. Turning utilities into a revenue stream. Integrations with property management systems. Ideal properties and operators for the software. Cadet vs. Commander package differences. Resources: https://utilityranger.com/  

In this powerful continuation of their conversation, Connie Going goes even deeper into what it really means to pursue ethical, child-centered adoption. She talks about why hopeful adoptive parents must process their own trauma before stepping into adoption, the danger of trying to be the “perfect” Facebook family, and how truly loving a child means also honoring and supporting their birth parents. Connie breaks down creative, attachment-focused parenting strategies (including why traditional discipline and “cry it out” can backfire for kids with trauma), and shares real-life stories from older child adoption, foster care, and reunions with birth families. She also unpacks intervention cases in Florida, federal and state subsidies, and how race and funding impact private and foster adoption. Throughout, Connie returns again and again to the same core message: build your toolbox, stay flexible, care for your own nervous system, and keep the child's story—and their connections—at the center of every decision.

This episode will only be live for a few days—and so will this offer.If you've been thinking about working with us 1:1 inside RESTORE, hit play.For this week only (or until 5 spots fill), we're offering: – $1,000 off the full RESTORE program – Lifetime membership access (normally 6 months) – Comprehensive bloodwork + Review – HSA/FSA eligible – Flexible payment plans availableRESTORE is our high-touch, neuroscience-backed, 16-week coaching program designed to help you heal anxiety and depression at the root.No more guessing. No more “coping” as a lifestyle. Just personalized support, a clear plan, and tools that actually work in the moment.CLICK HERE to book your free discovery callCalls must be booked before midnight Wednesday the 19th to claim the RESTORE offer. No same-day bookings—so if you're feeling the nudge, now's the time.I'm looking forward to supporting you ❤️‍

Welcome back to Mommin' on a Monday! Mindset Coach Taylor Foreman has an inspiring message for you all to help us FOCUS but at the same time be FLEXIBLE with our plans! Let's make it a great week!

Dr. Alison McKenzie, PT, DPT, PhD, FAPTA, a leading voice in neurorehabilitation and creator of Stroke Boot Camp, joins host J.J. Mowder-Tinney to explore how we can extend meaningful progress for people living with chronic stroke. Together, Alison and J.J. dive into the clinical reasoning, research, and real-world outcomes behind this high-intensity, interdisciplinary model. You'll hear practical ideas to apply in your own setting, whether that's a full boot camp or small-scale changes that shift the trajectory for your patients. Tune in to reimagine what's possible beyond traditional rehab.Learning ObjectivesAnalyze the evidence around recommendations for optimal health management, wellness, and ongoing rehabilitation for individuals with chronic strokeApply evidence-based, practical strategies to actionably address the delivery of short-term, high-intensity, interdisciplinary rehabilitation and wellness for individuals with chronic strokeSolve patient case scenarios involving plateau or decline in function over time in individuals who are aging with chronic strokeTimestamps(00:00:00) Welcome(00:00:05) Introduction to stroke boot camp(00:01:36) The journey of Dr. Alison McKenzie(00:06:56) The importance of community and support(00:09:46) Research-driven approaches in stroke rehabilitation(00:12:25) Tailoring treatment for individual needs(00:14:25) Stroke boot camp overview(00:16:45) High-intensity training and its impact(00:19:37) Neural priming and its benefits(00:21:57) Measuring intensity and progress(00:28:49) Expanding the boot camp model(00:31:32) Engaging clinicians in community programs(00:34:58) Flexible approaches to community rehabilitation(00:39:15) Enhancing therapy through intensity and creativity(00:45:05) Fostering socialization in rehabilitation(00:47:20) Conclusion and future directionsNeuro Navigators is brought to you by Medbridge. If you'd like to earn continuing education credit for listening to this episode and access bonus takeaway handouts, log in to your Medbridge account and navigate to the course where you'll find accreditation details. If applicable, complete the post-course assessment and survey to be eligible for credit. The takeaway handout on Medbridge gives you the key points mentioned in this episode, along with additional resources you can implement into your practice right away.To hear more episodes of Neuro Naviagators, visit ⁠⁠⁠⁠⁠⁠⁠https://www.medbridge.com/neuro-navigators⁠⁠⁠⁠⁠⁠⁠If you'd like to subscribe to Medbridge, visit ⁠⁠⁠⁠⁠⁠⁠https://www.medbridge.com/pricing/⁠⁠⁠⁠⁠⁠⁠IG: ⁠⁠⁠⁠https://www.instagram.com/medbridgeteam/

The goal isn't a magic number—it's a plan that bends without breaking. We take a hard look at the classic 4 percent rule and explain why a pencil, not a tattoo, belongs next to your withdrawal rate in today's world of longer lifespans, persistent inflation, and shifting market cycles. Instead of chasing certainty, we build a system: a clear baseline for essentials, a flexible band for discretionary spending, and simple guardrails that tell you when to adjust.We unpack how the original study assumed a 50-50 U.S. portfolio and higher bond yields, and why those inputs may not hold for the next 30 years. From there, we map a practical range—roughly 3.5 to 5 percent—based on your asset mix and risk tolerance. If markets drop 20 percent, trim withdrawals about 10 percent to protect the plan; if markets rise 20 percent, allow measured increases to fund travel, a car upgrade, home projects, or gifts to family. This approach reduces panic decisions, keeps lifestyle creep in check, and helps you enjoy the good years without putting the bad years on a credit card.We also tackle the costs people forget: annual insurance, property taxes without escrow, the hot water heater that dies at the worst time. By separating needs from wants and aligning needs with a 4 percent baseline, you get clarity. By scheduling periodic reviews, you recalibrate as markets and life change—raising the baseline when sustained gains support it, or tightening temporarily after heavy withdrawals in weak markets. Retirement planning becomes personal, responsive, and resilient.Ready to stress-test your number and set smart guardrails? Follow the show, share this episode with someone planning their retirement, and leave a review with the one question you still have about sustainable withdrawals. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

When life keeps changing, should your productivity system stay the same? In this encore episode, we share how rigid routines can start to hold you back once your priorities evolve — whether that’s starting a new job, building a relationship, or entering a completely new season of life. Discover how to plan with flexibility, stay […]

You know how some spaces just make you feel excited to DO something? Whether it's a Cricut getting your wheels spinning with what-ifs, beautiful shelves of paint inviting you to decorate holiday pottery, or a giant stack of cookbooks suddenly causing you to wonder if it's time to fill the cookie jar, well-organized resources in a creative space can help bring out your creative side. Today, let's talk about how to choose and organize flexible resources for your ELA classroom, anytime you've got the budget and bandwidth. (Check out this post on how to use Donors Choose, if your budget is continuously falling short of your needs). Ooh, one more thing before we start. Throughout this podcast, I'm showcasing graphics and displays from the #evolvingEDdesign Toolkit, a vast free resource I made for you. You can grab it here. Go Further:  Explore alllll the Episodes of The Spark Creativity Teacher Podcast. Get my popular free hexagonal thinking digital toolkit Join our community, Creative High School English, on Facebook. Come hang out on Instagram.  Enjoying the podcast? Please consider sharing it with a friend, snagging a screenshot to share on the 'gram, or tapping those ⭐⭐⭐⭐⭐ to help others discover the show. Thank you!  Links: The (Vast) Ed Design (Free) Toolkit: https://sparkcreativity.kartra.com/page/evolvingEDdesign  The Do's and Don'ts of Donors Choose: https://nowsparkcreativity.com/2019/01/the-dos-and-donts-of-donors-choose-for.html  The Power of the Writing Makerspace: https://nowsparkcreativity.com/2018/09/the-power-of-writing-makerspace-with.html  The Ed Deck: https://www.teacherspayteachers.com/Product/The-Ed-Deck-Lesson-Plan-Inspiration-ELA-Activities-and-Projects-Editable-5106443  Sources Considered, Consulted, and Cited for this Series & for the Toolkit: Abdaal, Ali. Feel Good Productivity. Celadon Books, 2023. "Aesthetics and Academic Spaces." Teachers College, Columbia University Youtube Channel: Curriculum Encounters Podcast, Episode 4. https://www.youtube.com/playlist?list=PLuFs4Fyk-v0Bwtuy1eQJ3JkRTeL4Sjyz4 Accessed Oct. 21, 2025.  Chavez, Felicia. The Anti-Racist Writing Workshop. Haymarket Books, 2021. Dintersmith, Ted. Documentary: Most Likely to Succeed. 2015.  Dintersmith, Ted. What Schools Could Be. Princeton University Press, 2018.  Doorley, Scott & Witthoft, Doorley. make space: How to Set the Stage for Creative Collaboration. John Wiley and Sons, 2012. "Exploring Google's Headquarters in San Francisco." Digiprith Youtube Channel: https://www.youtube.com/watch?v=WxGqbmFf9Qc. Accessed October 13, 2015.  "High Tech High Virtual Tour." High Tech High Unboxed Youtube Channel: https://www.youtube.com/watch?v=87xU9smFrj0 . Accessed October 15, 2025. "Inside YouTube's Biggest Office In America | Google's YouTube Headquarters Office Tour." The Roaming Jola Youtube Channel. https://www.youtube.com/watch?v=P26fDfFBx8I . Accessed October 14, 2025. Novak, Katie. Universal Design for Learning in English Language Arts. Cast Inc., 2023. Potash, Betsy. "Research-Based Practices to Ignite Creativity, with Dr. Zorana Ivcevic Pringle." The Spark Creativity Teacher Podcast, Episode 393. Pringle,  Zorana Ivcevic. The Creativity Choice. Public Affairs, 2025. Ritchart, Ron and David Perkins. "Making Thinking Visible." Educational Leadership, February 2008, p.p. 57-61. https://pz.harvard.edu/sites/default/files/makingthinkingvisibleEL.pdf. Accessed October 13, 2025. Richardson, Carmen and Punya Mishra. "Scale: Support of Creativity in a Learning Environment," 2017. Accessed through Drive with permission. Richardson, Carmen and Punya Mishra. "Learning environments that support student creativity: Developing the SCALE." Thinking Skills and Creativity, Volume 27, March 2018, p.p. 45-54. Accessed online at https://doi-org.proxy2.cl.msu.edu/10.1016/j.tsc.2017.11.004, October 13, 2025. "Sensory Inquiry and Social Spaces." Teachers College, Columbia University Youtube Channel: Curriculum Encounters Podcast, Episode 2. https://www.youtube.com/watch?v=DtD_-k5QmOQ&list=PLuFs4Fyk-v0Bwtuy1eQJ3JkRTeL4Sjyz4&index=2  Accessed Oct. 23, 2025.  Stockman, Angela. Make Writing: 5 Strategies that turn Writer's Workshop into a Maker Space. Hack Learning Series, 2015.   Terada, Yuki. "Do Fidgets help Students Focus?" Edutopia Online: https://www.edutopia.org/article/do-fidgets-help-students-focus/. Accessed 4 November 2025. Utley, Jeremy. "Masters of Creativity (Education Edition) #1: Input Obsession (Design Thinking)." Stanford d.School Youtube channel: https://www.youtube.com/watch?v=LosDd3Q0yQw . Accessed October 15, 2025. Utley, Jeremy and Kathryn Segovia. "Masters of Creativity: Updating the Creative Operating System (Design Thinking)." Stanford d.School Youtube channel: https://www.youtube.com/watch?v=Ggza7df7N7Y&t=2233s. Accessed October 17, 2025. "What is Curriculum and Where Might we Find It?" Teachers College, Columbia University Youtube Channel: Curriculum Encounters Podcast, Episode 4. https://www.youtube.com/watch?v=yh_UhGATVwM&list=PLuFs4Fyk-v0Bwtuy1eQJ3JkRTeL4Sjyz4&index=1 Accessed Oct. 23, 2025.   

In this episode of The Speed of Culture, host Matt Britton sits down with Raina Enand, Head of Marketing at Blue Apron, a Wonder company, to unpack the brand's major transformation, from subscription-only meal kits to flexible, protein-forward, creator-driven food experiences. Raina shares how Blue Apron is rebuilding trust, modernising mealtime for busy households, and embracing a customer-first model that blends innovation, convenience, and creativity.Follow Suzy on Twitter: @AskSuzyBizFollow Raina Enand on LinkedInSubscribe to The Speed of Culture on your favorite podcast platform.And if you have a question or suggestions for the show, send us an email at suzy@suzy.com Hosted on Acast. See acast.com/privacy for more information.

In this episode, I share my top five lessons for mom entrepreneurs managing a flexible schedule. I talk about how I've overcome guilt for enjoying midday freedom—reminding myself and my fellow working moms that this flexibility is a strength we've created, not a luxury. I explain how I define what “done” looks like by setting clear goals and calendar blocking, which helps me avoid overwhelm and improve my productivity. I discuss the boundaries I set to honor my off-hours, boosting both my work and family life. I also share how I reduce decision fatigue with planned routines and themed family dinners, making daily life with a business smoother. Finally, I reveal how pre-planning and batching household tasks keeps me focused as a business owner and mom. These productivity tips help me—and hopefully you—find balance, thrive in entrepreneurship, and enjoy more time with your family.  Free Resources:Join 30 Day Calendar Blocking Blueprint and finally feel in control. ​Click here to join the next round. ​Are you a business owner making $100,000+ and still wearing all the hats? ​Click here​ to learn about my upcoming 12-week Outsourcing Mastermind.Are you an aspiring or newer business owner who needs some accountability and clarity on the next steps? ​Click here​ to join my 6-month accountability group - Simplify.

In this episode, Matt & Lauren explore one of our current favorite industry trends: the resurgence of print magazines! We talk through the many ways creators, entrepreneurs, and businesses are using print-on-demand, and: Why print magazines are making a comebackHow creators are publishing, selling, and distributing magazinesDifferent types of magazine products Watch this episode on YouTube!Dive Deeper

Hello and welcome to Episode 297 of the People Powered Business Podcast!In this episode, we explore a significant new ruling from the Fair Work Commission that could impact every Australian employer managing flexible work arrangements. The case involves a long-term Westpac employee and her right to continue working from home, and the decision has sent ripples through workplaces of all sizes.We unpack what happened, what the Fair Work Commission decided, and what the case means for business owners navigating the tricky terrain of hybrid and remote work. You'll also hear about other developments you should have on your radar.What You'll Learn The details of the Westpac flexible work case and why it matters What “reasonable business grounds” actually means under the Fair Work Act Why following process is just as important as your policy The risks of rejecting flexible work requests without proper documentation Upcoming changes and trends in remote work regulationKey Takeaway:This case is a wake-up call for every employer. Flexible work isn't just a cultural conversation, it's a compliance issue. If you're going to refuse a request, you need to back it up with detailed, evidence-based business reasons and follow the process to the letter.Links & Resources:

Today we unpack what it really means to work and travel—whether you're living out of a rooftop tent or being a travelling as a  "slowmad" tune in for honest insights, travel fails, and must-know resources if you're living the van life, a digital nomad lifestyle, or on your next backpacker adventure.

In the fourth episode of “Tax Stuff You Should Know,” hosts Bob Pluth and Gene Magidenko delve into the concept of profits interests, a valuable tool for partnerships and limited liability companies to reward service providers without triggering immediate adverse income tax consequences. They examine Internal Revenue Service (IRS) guidance on profits interests, including the criteria for non-taxable grants, the complexities introduced by vesting, and the design features to maximize the benefits of this valuable planning tool. The discussion also covers common use cases, potential pitfalls, and the importance of understanding both the tax implications and the flexibility offered by this compensation method. Takeaways - Profits interests can offer participation in upside without upfront capital contributions from service providers. - IRS guidance provides a roadmap for structuring profits interests. - Flexible design features can be incorporated into profits interests to meet specific goals. - Profits interests offer the potential for capital gain treatment to holders. - There is no immediate tax liability upon receipt of a properly structured profits interest. - The holder's tax reporting obligations may become more complicated upon receiving a profits interest.

In episode 64 of 'Lifting, Running, and Living,' hosts Kelly and JK dive into designing a flexible training program for a hypothetical individual named Taylor, who has a busy work schedule and enjoys staying active. They discuss the importance of balancing running and lifting sessions across a four-day week with varying time commitments. They also talk about the challenges of maintaining consistency amid a changing schedule and providing actionable insights on structuring effective workouts. The episode concludes with a call for listeners to submit their own training avatars for personalized advice.00:00 Introduction and Episode Kickoff00:55 Kelly's Race Updates08:31 Walktober Challenge Recap15:25 Designing a Flexible Training Program for Taylor22:37 Balancing Running and Lifting23:13 Training Frequency and Preferences24:04 General Fitness Goals26:18 Structuring Weekly Workouts31:03 Adapting to Changing Schedules43:56 Social Life and Training Balance46:33 Conclusion and Listener EngagementFollow the pod at ⁠⁠⁠@liftingrunninglivingpod⁠⁠⁠Email us at ⁠⁠⁠liftingrunninglivingpod@gmail.com⁠⁠⁠Follow JK at ⁠⁠@coachjkmcleod⁠⁠Follow Kelly at ⁠⁠⁠@runningklutz ⁠

Life rarely goes according to plan—from travel delays to spilled orange juice. Dr. Roger Smith argues that flexibility is a vital skill for both parents and children. While the early years require control and rules, this episode explores how to shift your parenting style to train your kids to manage options, cope with disappointment, and adjust when the path changes. Learn to model emotional balance when things go wrong, teaching your child that mistakes are not moral failures and that the ability to flex is key to enjoying the journey of life. Visit me at: https://rogersmithmd.com/ This has been a production of ThePodcastUpload.com 

How do you cultivate flexible thinking and adapt to an ever-changing world, especially when pursuing a career?In this episode, we have an insightful discussion with software engineer Dan Chimento, who, having begun his career as a software engineer, has journeyed from programming aspirations to mastering essential soft skills for business adaptability.

Today, my guest is Mark Goldfinger. Mark Goldfinger is the General Manager Head of North America at Mindspace, a global flexible workspace provider that redefines the workplace experience for companies of all sizes, and in just a minute, we're going to speak with Mark Goldfinger about flexible workspace solutions.   https://www.linkedin.com/in/mark-b-goldfinger-mba-7aa73928/  

Do you ever feel like budgeting is impossible because your income changes from month to month? If you're self-employed, work on commission, or depend on tips, you're not alone. Living on a variable income can feel like riding a financial roller coaster—one month you're doing fine, and the next, you're wondering how to make ends meet.But the good news is that God's Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us:“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”No matter how steady—or unpredictable—your income is, a plan is essential.Build Your Budget on What You Know, Not What You HopeMany people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month.Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving.For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons.This approach protects you from overcommitting when income drops and helps you live within your means.Create an Income-Holding AccountWhen your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account.Here's how it works:Deposit all income into one central account—your “holding tank.”Once a month, transfer your budgeted amount into your regular spending account.This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder:“Know well the condition of your flocks, and give attention to your herds.”In today's world, that means knowing where your money is, where it's going, and when it's available.Also, if your income fluctuates, an emergency fund isn't optional—it's essential.Start by saving enough to cover one month's expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you'll be able to keep paying yourself consistently.Differentiate Between Fixed and Flexible ExpensesAnother key to managing a variable income is learning to distinguish between fixed and flexible expenses.Fixed expenses—like rent, insurance, and loan payments—stay the same.Flexible expenses—like dining out, entertainment, or travel—can adjust with your income.During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances.One of the easiest ways to get off track is through “surprise” expenses that shouldn't be surprises—car repairs, insurance premiums, or property taxes.List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you're ready. No scrambling. No stress. Just peace that comes from faithful planning.Trust the Provider, Not the PaycheckEven when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children.So whether your income changes weekly or seasonally, rest in this truth: stability isn't found in your paycheck—it's found in God's faithful provision.If you're ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God's resources.Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store.On Today's Program, Rob Answers Listener Questions:I've been able to save about $170,000 and add around $10,000 each month. Once I reach $200,000, I'd like to start investing $10,000 a month in something with greater growth potential, even if it carries a bit more risk. Right now, I'm earning about 4% at the bank. What would be a wise next step for that money?I've just moved into an independent living facility and am in the process of selling my condo, which should close soon. I'll need the proceeds to help cover my living expenses, but I'm wondering—how should I handle tithing on that money?I just wanted to express my gratitude for the way you and your team share wisdom so respectfully and thoughtfully. Listening to your program has really deepened my understanding and helped me grow.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Long-term care (LTC) insurance is evolving fast. In this episode, Rick Stewart from Crump explains how product innovation is reshaping the industry around flexible, client-focused solutions.Life insurance combo products and annuities with LTC riders are now among the fastest-growing options. Add to that, joint policies for couples and new short-term care plans, and financial professionals have more opportunities to meet a wide range of budgets, ages, and care needs.Find out how to help your clients plan for care without overspending, missing underwriting windows, or putting their retirement at risk.Guest: Rick Stewart, CLTC, Vice President, Long-Term Care Sales, Crump

Have you ever wondered how people manage to train as a coach while juggling a full-time job, family, and everything else life throws their way? In this episode, we explore one of the most common questions we hear: How can I train as a coach when I already work full time? We know from experience that most people who come to train with us are balancing busy lives, full-time jobs, caring responsibilities, and personal commitments. And yet, many find that their coaching qualification becomes the highlight of their week, a time to step into a space that's entirely for them. We talk about the practicalities, mindset, and support systems that make this possible. From flexible formats and payment options to honest conversations with employers, we share the approaches that have helped hundreds of learners succeed in training while working full time. We discuss the range of formats available, including evening, morning, weekend, and self-guided options, and how learners find creative ways to integrate their studies into their lives. Whether it's fitting in lessons during lunch breaks, listening to content while walking the dog, or negotiating time off work, there are countless routes to make it work. Beyond logistics, we explore the mindset that makes the biggest difference. Training to be a coach isn't only a professional investment, it's a personal one. The moment you shift from asking "Am I ready?" to "How can I make this work?", everything changes. We share personal stories from our own coaching journeys, from completing qualifications with young children to navigating demanding roles, and the lessons that shaped how we now support others through this process. We also talk about the value of employer sponsorship and how organisations increasingly recognise coaching as a way to develop culture, leadership and connection within teams. Many of our learners find that their organisations not only support them financially but also benefit from the ripple effects of their growth. By the end of this episode, you'll come away with practical tools, encouragement and the reassurance that training to be a coach while working full time isn't only possible, it could be one of the most transformative decisions you ever make.   Timestamps: 00:01 – Why most trainee coaches balance learning with full-time work 00:57 – How life commitments coexist with coaching study 02:21 – Flexible learning formats that fit around your schedule 03:51 – Managing missed sessions and staying on track 04:17 – Payment options and accessibility 05:17 – Choosing the format that fits your energy and lifestyle 06:34 – Employer support and building a business case for funding 09:24 – The mindset shift that helps you commit and thrive 10:52 – Making coaching a personal priority 12:20 – Understanding the true time commitment 13:15 – Practising through triads and structured peer learning 14:44 – Why investing in coaching changes everything 15:37 – Finding time by changing perspective and routine 16:30 – Adapting your learning style for flexibility 17:00 – How to make your environment support your goal 18:51 – Role modelling lifelong learning for others 19:17 – Turning intention into reality and taking the next step   Key Lessons Learned: It's entirely possible to train as a coach while working full time with the right mindset and structure. Flexibility in format and timing means coaching qualifications can fit around real life. Shifting your question from "Is it the right time?" to "How can I make it work?" changes everything. Employer sponsorship can create win–win outcome, for your growth and your organisation's culture. Treating your coaching training as an act of self-investment fuels motivation and resilience. Clear time planning and communication at home and work are essential for success. Every learner's journey is unique, there's no single "perfect" way to do it. Training as a coach while working builds powerful habits of reflection and self-leadership. The return on investment goes far beyond career progression, it transforms how you think, feel and connect. Starting now often becomes the most impactful decision for your future self.   Keywords: train as a coach while working full time, coaching qualification, coaching career development, flexible coaching training, online coaching courses UK, emotional coaching, mindset for success, accredited coaching programmes, coaching while employed, professional coach training,   Links & Resources: Take our Coaching Course Quiz – mycoachingcourse.com Explore Accredited Coaching Qualifications – igcompany.com Book a call – igcompany.com/ILM-call

[Housing Wire] High Tech Lending launches a new flexible senior HELOC. [RMI] All the latest HECM data in Revere Market Insight's Market Minute. [Law Offices of Laurie E. Ohall] One law firm addresses the question of how heirs can settle an estate with a reverse mortgage. Watch our video podcast here!

Starting an IBC policy when everything feels worst? That's exactly how Nelson Nash discovered Infinite Banking, when bank rates hit 23% and leverage turned on him. Here's what he did, why it worked, and how to avoid the same traps.

In this episode of Disruption/Interruption, host KJ sits down with Micah Remley, CEO of Robin Powered, to discuss the challenges and opportunities of hybrid work. They explore how data-driven approaches can transform workplace culture, boost productivity, and help companies thrive in a post-pandemic world where flexibility and connection are more important than ever. Key Takeaways: [2:06] Hybrid work is here to stay, but a one-size-fits-all solution doesn't work—companies must use data to create meaningful in-person experiences. [6:53] Culture is the tie that binds organizations; remote and hybrid work have made it harder to maintain, but it's essential for long-term success. [17:19] Proximity to high performers in the office can boost individual performance by 15% due to emulation and peer pressure. [22:05] Flexible, unstructured hybrid models often fail—coordinated team days and intentional office use are key to making hybrid work successful. Quote of the Show [3:45]:"You're deeply passionate about what you're trying to disrupt... you feel it in your soul because you're putting yourself out there, trying to move the needle." – Micah Remley Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Micah Remley: LinkedIn: https://www.linkedin.com/in/micah-remley-b6430740/ Company Website: robinpowered.com How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Want the latest news, analysis, and price indices from power markets around the globe - delivered to your inbox, every week?Sign up for the Weekly Dispatch - Modo Energy's unmissable newsletter.https://bit.ly/TheWeeklyDispatchFlexible and hybrid energy projects are essential for a resilient, decarbonised grid but they're still the hardest to finance. Investors know flexibility has value, yet traditional project finance models can't capture it, leaving critical projects stuck before they start.In this episode of Transmission, Roberto Castiglioni and Helena Anderson from Ikigai Capital explain why today's financing structures are failing to meet the needs of the modern grid. We explore why flexibility projects are so difficult to bank, what investors are missing when it comes to valuing hybrid assets, and how smarter financial modelling could unlock the next wave of storage, co-location, and system optimisation.Key topics covered:- Why flexibility and hybrid projects remain underfunded despite strong system need- The revenue and risk barriers stopping co-located assets from reaching financial close- How project finance must evolve to reflect system value, not just generation- The role of regulation and market signals in de-risking investment- What collaboration between developers, investors, and system operators could look likeAbout our guests:Roberto Castiglioni and Helena Anderson are co-founders of Ikigai Group, an investment and advisory firm bridging the gap between capital and the energy transition. They specialise in developing and financing complex projects that combine renewables, storage, and flexibility solutions to create smarter, more resilient energy systems.For more information, head to the Ikigai website. https://www.ikigai-capital.co.uk/About Modo Energy:Modo Energy helps the owners, operators, builders, and financiers of battery energy storage solutions understand the market - and make the most out of their assets.All of our interviews are available to watch or listen to on the Modo Energy site. To keep up with all of our latest updates, research, analysis, videos, conversations, data visualizations, live events, and more, follow us on LinkedIn. Check out The Energy Academy, our bite-sized video series breaking down how power markets work.

Want the latest news, analysis, and price indices from power markets around the globe - delivered to your inbox, every week?Sign up for the Weekly Dispatch - Modo Energy's unmissable newsletter.https://bit.ly/TheWeeklyDispatchFlexible and hybrid energy projects are essential for a resilient, decarbonised grid but they're still the hardest to finance. Investors know flexibility has value, yet traditional project finance models can't capture it, leaving critical projects stuck before they start.In this episode of Transmission, Roberto Castiglioni and Helena Anderson from Ikigai Capital explain why today's financing structures are failing to meet the needs of the modern grid. We explore why flexibility projects are so difficult to bank, what investors are missing when it comes to valuing hybrid assets, and how smarter financial modelling could unlock the next wave of storage, co-location, and system optimisation.Key topics covered:- Why flexibility and hybrid projects remain underfunded despite strong system need- The revenue and risk barriers stopping co-located assets from reaching financial close- How project finance must evolve to reflect system value, not just generation- The role of regulation and market signals in de-risking investment- What collaboration between developers, investors, and system operators could look likeAbout our guests:Roberto Castiglioni and Helena Anderson are co-founders of Ikigai Group, an investment and advisory firm bridging the gap between capital and the energy transition. They specialise in developing and financing complex projects that combine renewables, storage, and flexibility solutions to create smarter, more resilient energy systems.For more information, head to the Ikigai website. https://www.ikigai-capital.co.uk/About Modo Energy:Modo Energy helps the owners, operators, builders, and financiers of battery energy storage solutions understand the market - and make the most out of their assets.All of our interviews are available to watch or listen to on the Modo Energy site. To keep up with all of our latest updates, research, analysis, videos, conversations, data visualizations, live events, and more, follow us on LinkedIn. Check out The Energy Academy, our bite-sized video series breaking down how power markets work.

Public company marketing is a game few truly understand, and most CEOs play it wrong.Ty Hoffer, CEO of Winning Media, has spent two decades mastering how stories move stocks. From the early days of email lists to today's AI-driven targeting, he's seen every boom, bust, and “digital agency miracle” in between.Seth Farbman sits down with Ty to uncover what really drives visibility in the capital markets — why storytelling beats spreadsheets, how compliance shapes creativity, and why great CEOs treat investor marketing like a full-time job.In this episode, we explore:• why “tell your story” is the most undervalued advice in finance• the difference between real investor awareness and paid hype• why 10–20% of every raise belongs to marketing, not overhead• and how compliance-friendly storytelling builds long-term trustSeth's Companies: Vstock Transfer – https://www.vstocktransfer.com/ Share Media – https://www.sharemedia.co/Listen to the Show Apple Podcasts – https://podcasts.apple.com/us/podcast/seth-farbman-on-podcast-from-startup-to-stock-exchange/id1356667808 Youtube – https://www.youtube.com/@seth-farbmanConnect with Seth LinkedIn – https://www.linkedin.com/in/sethfarbman/ Instagram – https://www.instagram.com/sethfarbmanstock TikTok – https://www.tiktok.com/@sethfarbman Twitter (X) – https://x.com/sethfarbman1Guest featured in this video: Ty Hoffer - LinkedIn: https://www.linkedin.com/in/ty-hoffer/About the Show From Startup to Stock Exchange, hosted by entrepreneur and investor Seth Farbman, spotlights the journey of founders and CEOs as they scale their companies from early ideas to public markets. Each episode features candid conversations with leaders across industries, offering insights on growth, fundraising, branding, and the mindset it takes to build a company that lasts.00:00 Intro & why this convo matters02:20 What Winning Media does (public-company investor marketing)04:40 Storytelling vs. spreadsheets in public markets (Seth's take)10:30 Compliance & disclosure—how not to get flagged15:10 Building long-term shareholders, not traders24:40 Capital-raising mistakes + budget the marketing (10–20%)28:40 Best days for PR/marketing pushes (Tue–Thu)30:30 Flexible media spend: throttle up/down with market conditionsConnect with Seth LinkedIn – https://www.linkedin.com/in/sethfarbman/ Instagram – https://www.instagram.com/sethfarbmanstock TikTok – https://www.tiktok.com/@sethfarbman Twitter (X) – https://x.com/sethfarbman1

George Goncalves, Head of Macro Strategy for the Americas, shares our latest macro perspectives in light of the government shutdown and ongoing updates to US trade policy. However, the main focus was on the teams expectations for the upcoming FOMC meeting. In addition to expecting a 25bp cut, with reserves continuing to shrink and Chair Powell signaling that the Fed may be approaching the end of its quantitative tightening (QT) program, George believes this meeting could serve as a platform to begin mapping out a path to conclude QT by year-end.

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Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Ever wonder how much your agency's growth is limited by staying too broad? Or what could happen if you picked one niche and went all in? Today's featured guest didn't set out to run a food service marketing agency; He followed the opportunities, learned from a few hard lessons selling door-to-door, and eventually discoverd the power of focus. He'll share how niching down, rebranding, and embracing flexibility helped him grow his agency into a specialized agency serving some of the biggest names in food service and the ways in which he and his team refined the agency's positioning. Tyler Smith is the president and owner of Matato, a brand strategy and creative marketing agency focused on food and beverage brands in the food service and “away from home” space. His agency helps those brands reach restaurant operators, chefs, and food service directors with smarter, more intentional marketing. In this episode, we'll discuss: The power of positioning. The difference choosing a niche made for his agency. Flexible selling and empathy in action. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. How Selling Vacuums Led to a Food Service Marketing Agency Tyler laughs about it now, but his first “sales training” involved knocking on doors and demoing carpet cleaners that cost more than most people's first cars. While studying advertising, Tyler was sure he wanted to be a graphic designer or copywriter, and while that door-to-door sales job started as a way earn extra beer money, it ended up being a crash course in marketing psychology. He learned how to capture attention, demonstrate value, and handle rejection — all skills that would later serve him as an agency owner. After college, the 2009 recession hit, and finding a creative job in advertising wasn't easy. So when an agency owner offered him a commission-only sales role, he jumped in. Within a few months, Tyler was closing enough deals to get brought on full-time. Fast forward a decade, and he's now the sole owner of that same agency, rebranded as Matato, now leading a team of specialists helping food brands grow smarter. The Smart Positioning and Rebranding Transformed the Agency When Tyler took full ownership, he knew the agency needed an identity that reflected its niche and direction. The old name didn't quite fit anymore. So he created Matato, a playful twist on “tomato, tomato, potato, potato.” It was something memorable, food-related, and (importantly) trademarkable with a clean domain to match. More than a name change, that rebrand was a signal that the agency was doubling down on food service marketing as their core focus. This was a big move for Tyler as he stepped up as the face of the agency. If you can't own your brand, both emotionally and digitally, you can't expect your clients to trust that you'll own theirs. From Generalist to Specialist: Why Niching Down Drives Growth For years, Matato worked with all kinds of B2B and B2C clients. But as they grew, Tyler noticed the most rewarding and most profitable projects were always in food service. So they made the call to go narrow to grow big. That meant focusing on the brands serving restaurants, distributors, and institutions. Tyler's team helps these brands move from a sales-heavy approach to a true marketing strategy, teaching them how to speak to chefs and operators, not just consumers. Now, their content strategy includes things like their annual Food Service Marketing Playbook, a killer lead magnet that doesn't just promote Matato's expertise , it teaches. Some brands use it to DIY their marketing, others see the value and hire the agency. Either way, Tyler's team wins. What Got You Here Won't Get You There Tyler's secret to getting new business in the early days was just “all grind, no strategy.” Cold calls, trade shows, follow-ups; just pure hustle. But as the agency matured, that changed. They stopped trying to “do everything” and started refining how they show up. After repositioning more firmly in the food industry, their new game plan is rooted in generosity and authority, giving away insights, teaching the industry, and positioning themselves as the go-to experts for food service brands. Their annual Food Marketing Playbook has gotten them great results, and he has also been dabbling in podcasting, an effort that he admits still lacks consistency. All these changes to the brand and how they approach their audience have been a great way to reinvigorate the business and demonstrates his team understands that you can't just tell people to hire you; you've got to show them why. Empathy and Flexibility: The Secret to Long-Term Client Relationships One of Tyler's biggest lessons when it comes to sales is to stay flexible and empathetic. Instead of rigid packages or pushy closes, he focuses on what the client actually needs and finds ways to make it work. That adaptability has helped him build long-term trust (and some very loyal accounts). Sure, early on it led to a few over-committed budgets and sleepless nights, but over time it became one of Matato's superpowers. Tyler calls it “on-the-fly problem solving”, a willingness to adjust, improvise, and make the deal work without losing sight of the big picture. Why Every Specialized Agency Should Start a Podcast Tyler's got deep expertise and connections in his niche. He has noticed podcasting could be the fastest way to build authority and create a content engine without relying on written blogs that no one's reading anymore. It's not just about attention; it's about access. When you interview potential clients and peers in your industry, you're building relationships that open doors. As Jason put it, “It's the number one thing I ever did for my business.” How Curiousity Keeps Your Agency Evolving Looking back, Tyler can see that curiosity helped Matato survive and evolve, especially during the pandemic. When food service came to a standstill, his team didn't sit idle. They experimented, collaborated with chefs and influencers, and tested new lead-gen angles. Things are constantly changing and what got you to this point won't get you there. So his message to agency owners is to stay curious and willing to try many things. Otherwise, you'll be doomed to fail.

Join Organize October: simplyconvivial.com/october -- There is no one-size-fits-all way to build a daily plan. The daily card isn't a formula — it's a practice that teaches awareness, flexibility, and discernment. By iterating daily, moms learn to identify what truly matters for the season they're in.Your day won't ever run perfectly — but with the right habits, you can keep focusing on the meat of your day and grow in cheerful, faithful productivity.What You'll LearnHow the Daily Card helps you identify prioritiesWhy daily plans must change with your seasonsThe power of small, faithful iterationsHow flexibility builds confidenceHow the Daily Card reveals what truly matters

In this fly fishing podcast episode, host Marvin Cash reconnects with legendary fly designer and guide Blane Chocklett fresh off eight weeks on the road pursuing jack crevalle conservation and unveiling game-changing innovations from The Chocklett Factory.Blane Chocklett's Jack Crevalle Conservation MissionBlane shares the ambitious Jack Project spanning Louisiana, Alabama, Florida and Texas—placing acoustic tags on jack crevalle to generate scientific data for policy change. He makes a compelling case for protecting what he calls "the American GT," emphasizing how these powerful fish deserve the same respect anglers give to giant trevally worldwide.What You'll Learn About Menhaden and Coastal ConservationThe conversation tackles a critical crisis: menhaden populations are being overfished by 275 million pounds annually. Blane explains why this forage fish matters for everything from striped bass to whales and urges listeners to support ASGA's advocacy efforts with a simple one-minute action that can drive real regulatory change.Revolutionary Fly Tying Innovations from The Chocklett FactoryBlane unveils his latest problem-solving products designed to make tying easier and more effective:Rattle Box system that clips directly onto hooks and shanks (no more wrestling round rattles)Flexible weighted minnow eyes that eliminate the frustration of traditional dumbbell eyesSwim bladders that create buoyancy and unique wobbling action in streamersSpreader discs that build taper in Game Changers at half the tying timeAlbie Fest Tournament ResultsFresh insights from Cape Lookout's Albacore & Redfish Festival, where Game Changers and Gummy Minnows dominated the leaderboard—including Blane's son winning his third consecutive youth division title.Tune in to discover how these innovations will transform your fly tying and learn how you can support critical fisheries conservation efforts.Related ContentS7, Ep 73 - The Chocklett Factory: Sneak Peek at New ProductsS7, Ep 61 - The Chocklett Factory Unleashed: New Flies and Other Goodies with Blane ChocklettS6, Ep 144 - The Chocklett Factory: Conservation, New Products and a Legacy RememberedS6, Ep 101 - The Chocklett Factory: Fly Fishing Travels, Conservation and New VenturesAll Things Social MediaFollow Blane on Facebook and Instagram.Follow The Chocklett Factory on Instagram.Follow us on

Flexible work will thrive through empowerment, not office layouts. DIY AI—where employees build their own tools—turns flexibility into performance, boosting productivity, balance, and innovation across distributed teams. That's the key take-away message of this episode of the Wise Decision Maker Show, which talks about how DIY AI unlocks productivity and flexibility.This article forms the basis for this episode: https://disasteravoidanceexperts.com/how-diy-ai-unlocks-productivity-and-flexibility/

My first classroom was a little blue trailer on the edge of the soccer field. Every morning, I got my shoes clogged with mud hiking across the field, but I loved my corner of campus, and I felt pretty free to design it to work best for my students. And it turned out that what really worked best was constant change. Our desks were attached to our chairs, so to move one was to move both. And move them I did, frequently working up a sweat between classes as I threw them around the room as quickly as I could, moving from circular discussion seating in one class to desks pushed against the walls for a visiting theater artist in another, station seating for book clubs in one back to circular discussion seating in another. I wanted the room to work for the task, not the task to conform to the room. And that meant staying flexible, even though I hadn't yet heard the phrase "flexible seating" and certainly didn't have any couches, yoga balls, or beanbags. I didn't even know I wanted those yet. These days, it's that word "flexible" that defines so much that is helpful in modern classroom design. Flexible seating, flexible displays, flexible resources. I want your students to be able to collaborate with you from day to day to create the environment that will help them shine. So what might that look like these days? Let's dig in. Throughout this podcast, and the ones to come in this series, I'll be showcasing graphics and displays from the #evolvingEDdesign Toolkit, a vast free resource I made for you.  You can grab it here: https://sparkcreativity.kartra.com/page/evolvingEDdesign  Please share your classroom design stories, questions, photos and ideas with the #evolvingEDdesign hashtag across platforms so we can continue the conversation off the pod! Go Further:  Explore alllll the Episodes of The Spark Creativity Teacher Podcast. Grab the free Better Discussions toolkit Join our community, Creative High School English, on Facebook. Come hang out on Instagram.  Enjoying the podcast? Please consider sharing it with a friend, snagging a screenshot to share on the ‘gram, or tapping those ⭐⭐⭐⭐⭐ to help others discover the show. Thank you! 

In today's episode, Colleen breaks down what a sensory diet is (and isn't!), why it matters, and how to get started with simple, safe, and low-prep strategies that work in any space—even if your house is bursting at the seams. Here's what you'll find inside: A breakdown of the five key sensory systems: proprioceptive, vestibular, tactile, oral motor, and auditory/visual. Ideas for easy, everyday sensory activities: From “squeezy hugs” and wall pushups to crashing into beanbags, squishing play doh, sipping yogurt through a straw, and more—no fancy equipment required! How to spot your child's “pressure points” throughout the day (transition trouble spots, meltdown times, etc.) Ways to tailor your sensory menu: For movement-seeking kids, those who prefer sameness, and kiddos with anxiety or academic challenges. Troubleshooting tips: Small spaces, tight budgets, sibling drama, and even messy play.   Most importantly, you'll learn how to help kids notice and communicate what works for their bodies. We're all about empowering them with choice and self-awareness! Free Download: Home Sensory Diet Planner Grab Your Sensory Diet Planner!   Ready to build your own sensory toolbox? Head over to the show notes and grab your free planner! It's packed with suggestions and space to track your kids' pressure points, sensory wins, and more.   Links and Resources from Today's Episode Thank you to our sponsor: CTC Math – Flexible, affordable math for the whole family! The Lab: An Online Community for Families Homeschooling Neurodivergent Kiddos The Homeschool Advantage: A Child-Focused Approach to Raising Lifelong Learners Raising Resilient Sons: A Boy Mom's Guide to Building a Strong, Confident, and Emotionally Intelligent Family The Anxiety Toolkit Playful Sensory Learning at Home: Five Senses Spinner Managing the Holidays with Sensory Kids with Sarah Collins Self-Care and Co-Regulation | Balancing Parenting and Sensory Needs Respecting Your Child's Sensory Needs: When You Have to Say “No” Sensory Science Activity: Perfect For Your Homeschool Embracing Art and Its History for Kids With Sensory Issues Yard Work for Sensory Input Pumpkin Play Dough | Sensory Fun for Kids Sensory Play with Spice Painting Sensory Play for Kids