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What's your plan when the power goes out?If you think a generator is your only option, think again.Today's conversation, live from our RE+ PowerUp Live stage, Rachel Stotts of Jackery breaks down a new category of home energy backup: flexible, modular systems that you can easily scale and take with you. Whether you're facing tornadoes or planning a weekend tailgate, portable energy solutions cover everything from your fridge to your CPAP machine, and they're becoming increasingly popular with prosumers who don't want the hassles of traditional energy storage.No permits. No permanent installs. Just plug-and-play resilience. And up to 30% federal tax credit if you act before year's end.Rachel and Josh Beck explore why this product category is resonating with both outdoor enthusiasts and homeowners fed up with power outages.You'll hear:
ABOUT BRYAN:LinkedIn Profile: linkedin.com/in/bryanmeszarosWebsites:openeyeglobal.com (Company)marketscale.com/industries/podcast-network/experience-by-design/ (Experience By Design Podcast)experienceunitedsocialclub.com (Experience United Social Club)email: bmeszaros@openeyeglobal.comBio:Bryan Meszaros is a 25-year veteran of the digital signage and experience design industry, known for blending innovation with measurable impact. As the founder of OpenEye Global, he proved that a small, focused team can deliver big results and helped shape the early evolution of digital engagement.He later made history as the youngest President of SEGD and the first with a digital centric background, while also contributing to the Digital Signage Federation and Shop! Association to advance industry standards.Bryan is also the founder of the Experience United Social Club (XUSC), an international networking series all about bringing together creative minds from the AV, digital signage, and design industries to share ideas and collaborate. With global experience across Europe and APAC, he has spoken at major events including EuroShop, ISE, InfoComm, and DSE, and regularly contributes to leading industry publications.Dedicated to pushing boundaries, Bryan remains focused on shaping what comes next in digital signage and experiential design.SHOW INTRO:SHOW INTRO:Welcome to Episode 83! of the NXTLVL Experience Design podcast…In every episode we continue to follow our catch phrase of having “Dynamic Dialogues About DATA: Design, Architecture, Technology and the Arts.” And as we continue on this journey there will be thought provoking futurists, AI technology mavens, retailers, international hotel design executives as well as designers and architects of brand experience places.We'll talk with authors and people focused on wellness and sustainable design practices as well as neuroscientists who will continue to help us look at the built environment and the connections between our mind-body and the built world around us. We'll also have guests who are creative marketing masters from international brands and people who have started and grown some of the companies that are striking a new path for us follow.If you like what you hear on the NXTLVL Experience Design show, make sure to subscribe, like, comment and share with colleagues, friends and family.The NXTLVL Experience Design podcast is always grateful for the support of VMSD magazine. VMSD brings us, in the brand experience world, the International Retail Design Conference. I think the IRDC is one of the best retail design conferences that there is bringing together the world of retailers, brands and experience place makers every year for two days of engaging conversations and pushing us to keep on talking about what makes retailing relevant. You will find the archive of the NXTLVL Experience Design podcast on VMSD.com.Thanks also goes to Shop Association the only global retail trade association dedicated to elevating the in-store experience. SHOP Association represents companies and affiliates from 25 countries and brings value to their members through research, networking, education, events and awards. Check then out on SHOPAssociation.org Today, EPISODE 83… I talk with Bryan Meszaros founder of EpenEye Global. Bryan is a 25-year veteran of the digital signage and experience design industry, known for blending innovation with measurable impact. Naturally, in a world that is increasingly digitally mediated, Bryan's business is significantly focused on the emergence of Artificial Intelligence as a tool in his experience place-making toolbox.We'll get to more of how Bryan sees the use of AI in digital applications in brand experience places in a minute but... first a few thoughts…* * * *I grew up on Star Trek. They original version with Shatner as Captain James T Kirk. These were the sightly campy years in black and white but wonderfully prescient in foretelling what was to come. I used to say that my father, who lived to the ripe old age of 97 was so into it that was holding out until he could just beam up through the transporter to the next phase of his existence. We all watched, my 4 brothers and I every week, my mom? Well not so much…I got used to thinking about digital communication, robots, space travel and technology integrated into our lives facilitating everything from washing dishes to extending lifespans. There isn't a day that goes by now where my media consumption doesn't include something on the evolution of Artificial Intelligence. Both the amazing and the alarming. How it will make workplaces completely different replacing much of what we now do with human brain and brawn with algorithms and computer chips that can fit 1000 computers from the old Star Trek days on your fingertip. How it is changing the way human brains are wired, though when it comes to our neural networks that trundle along at a speed ridiculously slow compared to the digital pace of change that is exponential and moving at the speed of light.How as a visualization tool it is becoming indistinguishable from real life people and places. Creating deep fakes that are so good at impersonating humans that avatars are no longer cartoonish but facsimiles of us that are, well, exactly like us - but whose knowledge base is the compendium of all human knowledge that can be accessed on the internet and provide cogent answers to well-crafted prompts and have them served up in a few seconds. ‘The times they are a changin' but at a pace that even Dillan couldn't have imagined. Don't even get me started about when we finally, and I don't think it is going to take too long, get to Artificial General Intelligence (AGI) and what that portends for humankind. I am often concerned for my sons and the world they are growing into as young adults. I wish sometimes that they'd have had the experience of growing up in the 60's and 70's when times were simpler – but of course they weren't really. Every decade has it's messes – sometime beautiful sometimes not and sometimes each of these ends of the human experience spectrum were happening at the same time.What we are experiencing now is evolution at a revolutionary pace. A slow simmering flame has exploded into a blast furn ace of change propelling us all, whether we like it or not, on a path that at times seems to be heading towards the edger of a cliff. Concerned? Well you'd have good reason to be.But then again, if you accept the Ray Bradburry adage of sometimes while standing at the edge of the cliff ‘you need to jump and build your wings on the way down', may we all then transform in midflight into some sort of lemmings with wings.The subject of AI has surfaced a number of times on this podcast notably with data visualization artists like Refik Anadol and architect artist Samar Younes, spatial computing specialist and near futurist Neil Redding and Synchronicity Architect Justin Bolognino. Each of these creators and theorists shape the AI narrative to their own ends, each of them proclaiming the virtues and vices of the technology.Uses of AI in design and architecture, as well as other industries, is multifarious and, I would admit, well beyond my more general appreciation for using it as an ideation tool and writing assistant in my everyday work.In the world of experience design there are at least 2 ways - although I would guess many more - to look at it:- on a very basic level there is the physical integration of digital media facilitated by Ai and then there is actual content that ends up on the digital interface – be it a touch screen kiosk, a display array in a sports bar or an enormous multi-story wall in Times Square. Getting these screens to work with the environment is always a challenge. Mainly I believe because they come as an afterthought rather than an integrated design solution and part of a digital experience strategy.In the second case of content, one size does not fit all. Places and people are different. The same content being played on those screens all day are visual noise detracting from overall experience rather than enhancing it. These days, every minute of every day things are changing. Why should digital content on screen of any size and shape be any different?If purveyors of brand experiences are not changing content to adapt to customers everchanging needs across the journey, digital content simply becomes part of the visual texture of the environment slipping into irrelevancy and lending nothing to the embodied memory of a place.This is one area Ai is able to change the game – creating content to meet customer needs more directly. Now it would be difficult, if not impossible to change digital content in Times Square to continually meet the needs of the thousands of people in that digital epicenter in New York. But then we all carry cell phones – person digital devices. All of those phones are geolocated. Each of those those has an address – a personal identifier about who it belongs to and bunch of other information about you – personal, financial, home address, etc.Are a bunch of guys at google looking at you individually as you make your way across Times Square – not really – but your Hazel and Gretel trail of ones and zeros from purchases, GPS searches, app use, etc., etc., tell a lot about you should anyone want to do a little digital forensics.The idea here is that we are giving up this information every time we turn our phones on. That information isn't snatched from us without our consent (generally) it's in our service agreement terms and conditions – that impossibly long text that most of us scroll through to the end and click “agree.”But that information could be used to make your path across Times Square more relevant to you. Perhaps your device communicates with other devices or screens and changes the content that you see.This isn't quite Minority Report yet, where Tom Cruise courses through a store and the displays are talking to him because they recognize his retinas – but it is possible to create messaging that is more personalized to you, specifically, as a customer.Digital signage can change either on the wall of as shelf signage.It is about recognizing your customer and understanding that they are used to creating experience narratives that are more relevant to them because they, in part, have contributed to their making. Want to stay relevant to your customers, new or old? Support their collaboration in the shopping journey offering up opportunities for them to write themselves into the narrative. Story and strategy must be connected. Doing good by your customer is about building a relationship and Ai can support that effort but including engaging digital content that recognizes them as individuals, with relatable and relevant messaging.But the whole enterprise needs to be seamless. Sometime I think that the best tech is the tech you don't see, but it think it is also perfectly OK to see it if there are no disconnects in journey. Signature moments in the customer journey have to link up so the customer follows the bouncing ball from their first connection point through the purchase moment and then beyond. And this is where this episode's guest comes into the picture.Bryan Meszaros is a 25-year veteran of the digital signage and experience design industry, known for blending innovation with measurable impact. As the founder of OpenEye Global, he proved that a small, focused team can deliver big results and helped shape the early evolution of digital engagement.Bryan was the youngest President of SEGD and the first with a digital centric background, while also contributing to the Digital Signage Federation and Shop! Association to advance industry standards.He is also the founder of the Experience United Social Club (XUSC), an international networking series all about bringing together creative minds from the AV, digital signage, and design industries to share ideas and collaborate. With global experience across Europe and APAC, he has spoken at major events including EuroShop, ISE, InfoComm, and DSE, and regularly contributes to leading industry publications.Bryan likes the idea of staying dedicated to pushing boundaries, so he is a natural fit for the show. ABOUT DAVID KEPRON:LinkedIn Profile: linkedin.com/in/david-kepron-9a1582bWebsites: https://www.davidkepron.com (personal website)vmsd.com/taxonomy/term/8645 (Blog)Email: david.kepron@NXTLVLexperiencedesign.comTwitter: DavidKepronPersonal Instagram: https://www.instagram.com/davidkepron/NXTLVL Instagram: https://www.instagram.com/nxtlvl_experience_design/Bio:David Kepron is a multifaceted creative professional with a deep curiosity to understand ‘why', ‘what's now' and ‘what's next'. He brings together his background as an architect, artist, educator, author, podcast host and builder to the making of meaningful and empathically-focused, community-centric customer connections at brand experience places around the globe. David is a former VP - Global Design Strategies at Marriott International. While at Marriott, his focus was on the creation of compelling customer experiences within Marriott's “Premium Distinctive” segment which included: Westin, Renaissance, Le Meridien, Autograph Collection, Tribute Portfolio, Design Hotels and Gaylord hotels. In 2020 Kepron founded NXTLVL Experience Design, a strategy and design consultancy, where he combines his multidisciplinary approach to the creation of relevant brand engagements with his passion for social and cultural anthropology, neuroscience and emerging digital technologies. As a frequently requested international speaker at corporate events and international conferences focusing on CX, digital transformation, retail, hospitality, emerging technology, David shares his expertise on subjects ranging from consumer behaviors and trends, brain science and buying behavior, store design and visual merchandising, hotel design and strategy as well as creativity and innovation. In his talks, David shares visionary ideas on how brand strategy, brain science and emerging technologies are changing guest expectations about relationships they want to have with brands and how companies can remain relevant in a digitally enabled marketplace. David currently shares his experience and insight on various industry boards including: VMSD magazine's Editorial Advisory Board, the Interactive Customer Experience Association, Sign Research Foundation's Program Committee as well as the Center For Retail Transformation at George Mason University.He has held teaching positions at New York's Fashion Institute of Technology (F.I.T.), the Department of Architecture & Interior Design of Drexel University in Philadelphia, the Laboratory Institute of Merchandising (L.I.M.) in New York, the International Academy of Merchandising and Design in Montreal and he served as the Director of the Visual Merchandising Department at LaSalle International Fashion School (L.I.F.S.) in Singapore. In 2014 Kepron published his first book titled: “Retail (r)Evolution: Why Creating Right-Brain Stores Will Shape the Future of Shopping in a Digitally Driven World” and he is currently working on his second book to be published soon. I caught up with Bryan at the SHOP Marketplace event in Charlotte and chatted about his focus on shaping what comes next in digital signage and experiential design. The NXTLVL Experience Design podcast is presented by VMSD magazine and Smartwork Media. It is hosted and executive produced by David Kepron. Our original music and audio production is by Kano Sound. The content of this podcast is copywrite to David Kepron and NXTLVL Experience Design. Any publication or rebroadcast of the content is prohibited without the expressed written consent of David Kepron and NXTLVL Experience Design.Make sure to tune in for more NXTLVL “Dialogues on DATA: Design Architecture Technology and the Arts” wherever you find your favorite podcasts and make sure to visit vmsd.com and look for the tab for the NXTLVL Experience Design podcast there too.
Great cultures do not happen by accident. They are built by leaders who stay connected to their people and know how to flex when the moment demands it. In this episode, Scott sits down with Mike Valentine, CEO of Baxter Credit Union, to explore what people first leadership looks like in real life. Mike shares how BCU sustained engagement through the pandemic, how flexibility became a strategic advantage, and why relationships and continuous feedback still drive results in a hybrid world. His perspective blends humility, clarity, and conviction. Whether you lead a team of five or a credit union of thousands, this conversation offers a practical roadmap for showing up with purpose and creating a workplace where people can thrive. In this episode we talk about and answer these questions: • how people first culture drives member and organizational success • what flexible leadership looks like during disruption and rapid change • how continuous feedback and listening posts strengthen remote teams • how to maintain connection and trust in hybrid and distributed workplaces • how personal leadership habits shape culture and influence engagement • what BCU learned about employee well being during and after the pandemic Click Here to Submit Your Questions Links from show: Explore ServiStar's Vertex leadership training Subscribe to ServiStar Leadership Podcast on your favorite streaming service
Struggling to juggle real life with holiday chaos without trashing your progress or starting over in January? What if surviving the holidays didn't require perfection, rigid rules, or endless “all or nothing” cycles? In episode 2 of our Holiday Eating Series, I'm sharing my secrets to navigating December with less stress, zero guilt, and routines that actually work when life gets unpredictable.You'll learn why “perfect plans” always flop, how to create your own simple anchor meals and movement habits that keep you grounded (even when your schedule explodes), and the essential shift every woman needs to stop the holiday-backslide cycle for good. If you're ready to build a holiday game-plan you actually want to follow and how consistency can be shockingly easy with just three simple non-negotiables, hit play and let's dive in.And, if this resonated and you're ready to enjoy the holidays without sacrificing your body goals? Download your FREE Holiday Eating Roadmap here: https://mindin-my-wellness.captivate.fm/roadmap2:41 – Why Flexible Structures Beat Restrictive Rules During the Holidays 4:21 – How Anchor Meals Keep You Sane (and Full) When Life Gets Busy7:49 – The Power of Small, Repeatable Movements Over Intense Workouts 8:31 – How Rest and Routines Support Consistency (and Your Mood)12:16 – Why Anchor Habits Are Your Secret Weapon for Staying on Track Other Episodes You'll Love:Episode 139: Why Starting Over in January Keeps You Stuck (Do THIS simple reset to stay consistent all season!) | HOLIDAY EATING SERIES
PREVIEW — General Blaine Holt (USAF, Retired) — Flexible Deterrents for Russian Escalation. General Holtdiscusses American strategic options for responding to imminent Russian military aggression independent of NATOalliance consultation and collective defense invocation. Holt argues that rather than immediate direct kinetic conflict engagement, the National Security Council would prioritize implementation of "flexible deterrent options," encompassing financial sanctions mechanisms, clandestine intelligence operations, and asymmetric cost impositions designed to dissuade Moscow from executing further military escalation. Holt emphasizes that this graduated response framework preserves escalation control while demonstrating American resolve and imposing sufficient strategic costs to render Russian aggression calculations unfavorable relative to continued status quo. 1962 OPERATION IVY KING
You can send a text, include contact info to get a response. Last episode Talleyrand barely escapes France ahead of a death sentence. Then the British decide he might be a spy, well he might have been an excellent spy, though we know he was not a spy.He went to America, George Washington refuses to see him, but Alexander Hamilton welcomes him.By the end Talleyrand has decided to play the dangerous game of going into opposition against Napoleon.This episode follows Talleyrand from his exile to his return and rise to power in the Directory. Talleyrand's role in Napoleon's rise to power is essential. In some ways Napoleon was Talleyrand's creation and Talleyrand became Napoleon's favorite mentor, when he was still Flexible enough to learn from others.We cover Talleyrand's thinking and writing through the events of the Consulship and the early days of the Empire. Then comes the Crisis after Tilsit. When Napoleon goes full nepotism, never go full nepotism, and plans to tke Denmark, Portugal and Spain. Talleyrand perceives that Napoleon is no longer aligned with France's interests. He goes into opposition and begins to play a truly dangerous game.
TRANSCRIPT video1290704010 Gissele : [00:00:00] Was Martin Luther King Jr. Right? Does love have the power to turn an enemy into a friend? Does it have the power to heal? We are creating an inspiring documentary called Courage to Love. The Power of Compassion explores the extraordinary stories of individuals who have chosen to do the unthinkable, love and forgive even those who have caused the most deep harm. Through their journeys, we will uncover the profound impact of forgiveness and love, not only on those offering it, but also on those receiving it. In addition, we’ll hear from experts who will explore whether loving compassion are part of our human nature and how we can bridge divides with those we disagree with. If you’d like to support our film, please donate at www MAI tt R-I-C-E-N-T-R e.com/documentary. [00:01:00] Hello and welcome to The Love and Compassion Podcast with Gissele. We believe that love and compassion have the power to heal our lives and our world. Don’t forget to like and subscribe for more amazing content. Today we’re talking about not feeling good enough and what we can do to start feeling better. Our guest today is Sabrina Trobak Based out of Fort St. John BC Canada is a registered clinical counselor and author of the book, not Good enough, understanding Your Core Belief in Anxiety. She’s also a clinical supervisor, public speaker, and holds a master’s degree in counseling psychology. Before establishing her practice, she dedicated over 20 years to education, serving as a teacher, vice principal, school counselor across three school divisions. Sabrina, has extensive training in addressing trauma in its effects on daily life, [00:02:00] including anxiety and the core beliefs. Of not being good enough, not important, not valued. Her counseling agency Trobak. Holistic counseling aims to help individuals identify, challenge, and transform these core beliefs into being good enough, important enough, and value. Please join me in welcoming Sabrina. Hi, Sabrina. Sabrina: Hi. Nice to be here. It’s nice to meet you. Gissele : Oh, nice to meet you too. Thank you for being on the show. I was wondering if you could start by telling the audience what sort of led you to do this sort of work? Sabrina: I always wanted to be a teacher, you know, even in kindergarten, I was the kindergartner helper that helped other kids tie their shoes. Just was always something I wanted to do is be a teacher. Towards the end of my teaching career, I was a school counselor. And even as a teacher, I was a learning assistant teacher, so I did a lot of work in smaller groups, working more individually with students. So you get [00:03:00] to create a much deeper connection because you’re working one-on-one as opposed to a class size of, you know, 25, 30, 35, whatever it might be. And so then I went into counseling. Same thing. You really get to build that relationship. And then I went to a workshop on suicide. That was looking at suicide, more of a symptom of that core belief. Feeling not good enough. Not important, not valued. At the end of the workshop, I just thought, this is what I need to do. So the presenter, Tony Martins taught me his model of therapy. I quit teaching and started my own private practice, which really uses that as the focus point. So really going back and helping people understand and support and challenge that core belief. I started my own private practice in 2010. And within about six months I had a waiting list and I hated having to turn people away. The model I practice where we’re really addressing that core belief is a long-term model of [00:04:00] therapy. So a lot of my clients are with me a year and a half, two years, sometimes even longer. And so I decided to write the book not good enough as a way to provide a resource for people who can access counseling for whatever reason. Gissele : That’s beautiful. Thank you. And reflecting on your teaching experience, did you find that students were suffering from not feeling good enough? And do you think that’s changed? Sabrina: Students, teachers, parents, administration, support staff? Yeah, it’s kind of a worldwide thing. You know, I think it’s been there for a really long time. I think what we’re seeing a difference in is. People are talking more about mental health. So rather it being this thing that we just kept down and suppressed and pretended wasn’t an issue. Now we’re talking about it and the problem with that is we don’t necessarily know what to do with it now that we’re talking about it. So it seems like it’s kind of imploding all over the place. But you know, I think it’s been going on forever and [00:05:00] ever, and ever and ever. In fact, your core belief develops based on your parents’ core belief. If your parents’ core belief was not good enough, not important, not valued, they can’t really teach you anything else. So that means that was that generation. Well, where did they get it from? Their generation, and it just kind of goes on and on and on and on. Gissele : I really appreciated that you said that. ’cause that has been my experience that we are just now vocalizing the fact that we have these feelings. And to some people it’s like, we didn’t have these things before. That’s just simply not true. It’s just that now it’s feeling safer to talk about it. We want to address the issues and want to understand where this sort of came from. I wanted to really. Touch on the concept of not good enough. Because at least in my experience, I wasn’t that sort of person that criticized themselves. I didn’t say call myself a loser. My not good enough actually showed up in a very different way, in a [00:06:00] very covert way. I would say in terms of limiting my dreams or really negative thinking in terms of like catastrophizing. how does not feeling good enough show in different people? is there specific patterns or is it just very different depending on the person? Sabrina: I think the main pattern is it holds you back. it doesn’t allow you to feel content, feel peaceful, feel confident. That would be a common pattern, but what that can look like can vary significantly. Also, the degree of your core belief can play a significant role as well. You might be feeling, you know, actually pretty good enough, important and valued just once in a while. That not good enough, not important, not value comes up. All the way to the other where really everything, every thought you have is reinforcing and supporting that not good enough, not important, not valued. So it can look like a variety of different ways. We get clients who come into counseling for all kinds of different things. [00:07:00] Relationship issues, anxiety, depression. They can’t really sleep. They’re having nightmares. Pornography gambling, alcohol, drugs, cheating, lying you name it, all kinds of different things. What we say is. These aren’t really the problem. These are the symptoms of that core belief. If your core belief is not good enough, not important, not valued, you need to distract, but you’re gonna be going to things that allow you to distract that ultimately end up reinforcing that core belief because it gives you something to beat yourself up over. Hmm. So it can look like a variety of different behaviors For sure. Gissele : Do you ever see people with like health issues? Sabrina: Oh, all the time, for sure. Mm-hmm. Stomach issues, headaches, sore aches and pains. What happens when with that core belief not good enough? it creates a lot of self-doubt and insecurity. Anxiety is lack of [00:08:00] confidence. Not believing in yourself. You can handle something. A lot of people think anxiety is about the trigger, right? I have anxiety of driving on the highway. If it really was about driving on the highway, then no one would be driving on the highway. So it’s not about that. It’s about my belief and my ability to handle it. So if I believe I can handle driving on the highway, I’m not gonna have anxiety. If I can’t, I believe I can’t handle it. I will have anxiety. So that anxiety, that self-doubt, every time we go into anxiety, that fight, flight, freeze, adrenaline gets dumped into our body. That gives us that boost of energy to fight or to run away. But if I’m creating all of this anxiety in my head through my own thoughts, or it’s creating a sense of danger, I think I’m in danger, but I’m not really in danger. It’s the catastrophizing thoughts, the negative thoughts, the beating yourself up, the what if scenarios. Every time you go into that fight, flight, freeze, that adrenaline, that energy has to come from somewhere.[00:09:00] So what happens is it zaps all of our non-vital organs. Stomach, bladder, pancreas, kidney, liver, skin all of our non-vital organs get zap of energy. So if you have really high anxiety where you’re going into this fight, flight, freeze response, hundreds of times a day, you are going to see a physical impact. Absolutely. You know, if your stomach is being zapped a hundred times a day, don’t expect it to digest food properly. That’s, it’s just not gonna work. Gissele : Oh, thank you for that. I really appreciate that. That also got me to think about my experiences with trust. I used to have huge trust issues ’cause I was raised with like, my parents also had views and trauma and, it was when I realized that I didn’t trust myself to deal with people’s betrayal, not necessarily trusting the other people, that things shifted for me. It was me realizing that it was like, oh, this is about me. This isn’t about them. And their behavior, whatever they choose to do, is [00:10:00] entirely up to them. if they choose to betray me, well then that’s their choice. But it was about me. What are some things that can help someone become more aware of whether or not. They’re not feeling good enough. Sabrina: You know, I think that one, the one that you just kind of said where you don’t trust, you think you can’t trust in other people. Anything where you’re doing, where you’re focusing on others, blaming others caring to others, people pleasing for others, judging others, gossiping about others. All that time that you spend focusing on other people is all time. You’re not spending on yourself. Why is that? It’s usually because that core belief is there. We don’t like ourselves, we don’t wanna deal with it, so we’re focusing on all these outward things. As long as you’re fo focusing outward, there’s likely a bit of that core belief going there, and it’s not gonna get better until you focus more inward. Gissele : Mm, [00:11:00] yeah. To what extent do you feel like the systems we’ve created also perpetuate that, continue that belief? So not only the belief that kids were taught from their parents, but also when entering in these different systems that we have created. Sabrina: You know, I think a, a lot of our systems are very symptom based. So, you know, I have anxiety. Okay, we’ll do these things to deal with the, anxiety you have depression. Okay, we’ll do these things to deal with the depression. You have anger, okay, here’s some anger management strategies, rather than really looking at why is it there in the first place. What’s fueling those things? So our society in general often has a very bandaid, approach. Just put a bandaid on it. But if you have a wound and you just put bandaids on top of bandaids, on top of bandaids, that wound doesn’t just not heal. It gets worse, it gets more infected, it becomes more painful. It creates more stress, more anxiety. [00:12:00] And so we really need to take that bandaid off. But our society, you know, even medical right? I have a sore throat, they just address the throat rather than looking at is there something going on that’s feeding that right? Yeah. our, policing system is all very reactive and again, very kind of punitive and system based rather than really what’s going on here, what’s feeding all of this underlying stuff. Gissele : Yeah, and I think it comes from the separation from within ourselves, right? Like not really understanding or seeing ourselves holistically and our separation from each other and from nature. And I think that’s kind of why we have these systems. Sabrina: And I think part of why we even have that system is because if I deal with the surface doesn’t create a lot of emotion. Mm. If I go a bit deeper, ooh, that creates more emotion, vulnerability, fear. Abandoned. Lonely. I don’t like to feel those emotions, so keep it surface. Minimal emotions have to play. One of the [00:13:00] big things that drives that core belief and a big issue in our society is. We don’t really feel our emotions again, I think we’re getting better at talking about them, but now it’s almost like, oh, I’ve got emotion. I need to stop rather than I’ve got emotion. I need to feel it so I can move through it. And so that emotion piece is massive. We keep things very surface, so we don’t really have to feel. Gissele : Yeah, absolutely, as children, some of us were taught like, don’t feel or only limit the scope of emotions. You can feel these emotions are okay, these emotions are not. And this took me a long while to realize that the reason why my emotions were limited, at least by my parents and people in my life. They didn’t have the emotional girth to be able to hold space for my difficult feelings. So they did not teach me how to hold space for my difficult feelings and how to hold space for my kids’ difficult feelings. And so it was a journey where I really had to understand and it took me shifting my [00:14:00] perspective because I think originally I felt it was my fault, right? As I got older and became a parent, I realized, oh, they didn’t have the space, so they had to squash my emotions in order for them not to feel uncomfortable because they couldn’t cope with it. Sabrina: If I’m as a parent, if I don’t like to feel my emotions, now my child is feeling emotion, well that creates emotion in me, but I don’t wanna feel my emotions, so I need to shut my child down. It’s okay. It’s not really that big of a deal. It’s fine. You’ll get over it. You know, you’re worrying about nothing. Minimize, minimize, minimize, which is teaching your child shut down and suppress their emotions as well. Where did they learn it from? Right. You know, if we’re not learning how to feel our emotions, we are learning how to suppress our emotions. Gissele : Yeah. Yeah. And then that comes out in a different way, in the worst parts of my journey in learning to love myself and, step into that worthiness was I realized a pattern I had some unexpected things [00:15:00] happen in my life that were shocking to me. they had such a traumatic effect that I would actually, with my negative thinking, create negative experiences so that I could control them. does that make sense? Speaker 3: Mm-hmm. Gissele : but I wasn’t aware that I was doing that, So that uncertainty was very frightening for me and it’s very frightening for very many people. I’m just curious as to your thoughts about that. Sabrina: You know what I think uncertainty. Again, what feeds that is that core belief. So we can have all kind of experiences happening. If I don’t believe I can handle them there, there’s gonna be a lot of stress over all these situations. But if my core belief is good enough, important and valued, whatever comes up, I think o okay. I got it. this isn’t gonna be easy. This is gonna be a lot of work, but I can handle it. I can figure it out. But when there’s that uncertainty and that self-doubt often, rather than again, working inward on what do I need to do to build my confidence? We work look outward on how do [00:16:00] I control these things. And of course you can’t control anything but yourself. So you may have these things under control for a period of time, but eventually things are gonna collapse and then you can go, oh, see, no one cares reinforces and support’s not good enough. So as long as you’re using control as a way to try to. Try to kind of handle situations. It, it’s not gonna be highly successful. It’s about within yourself, building that confidence within yourself. Mm-hmm. Gissele : What has been your experience with surrender? I have found in my life and my experience that the more I surrender, the less resistance I have to things, the less I need to control. the more things work out, sort of in a very smooth way. does surrender have a role Sabrina: what we kind of refer to it as is responsibility. Do I have responsibility in this? If I do, then what’s my role? If I don’t, then it’s okay to me, for me to just remove [00:17:00] myself from it. And so we wanna look at that. if I have something that I do need to be accountable, I will take accountability for my part. But I’m not gonna worry about taking accountability for everyone else’s part. And if I have someone in my life who refuses accountability over and over and over again, then I need to learn from that and realize my expectations for this person need to look very different. Maybe I choose not to have them in my life. Maybe I do. But those boundaries look a bit different rather than constantly trying to get them to take responsibility. I realize that that’s not my place. I need to just figure out me. That’s it. Hmm. Gissele : Are there any sort of behaviors that don’t outwardly seem as issues of not being good enough but are or might be? Sabrina: Busyness is a big one. You know, it’s almost a bit of a bragging rights in our society to be busy, right? Oh, I’m so busy. I got this activity, I got this, I got my kids, I got this, I got this, I got [00:18:00] this. Busyness is not good. Mm-hmm. Busyness is a distraction. As long as I’m, again, running around focusing on all these things, you know, out in front of me, that’s all time I can use to avoid and distract from what’s really going on within me. So we often see that as a pretty significant symptom. Same with control. Micromanaging. A lot of people may see that as a healthy coping strategy, but it really is not a healthy coping strategy. You know, when we look at coping strategies, one of the things we talk about is, you know, a coping strategy in itself is not really healthy or unhealthy. It’s how I choose to use it, right? Mm-hmm. So if I go out and have a drink of wine with, you know, a couple girlfriends once every couple weeks or whatever, it’s probably a healthy coping strategy. But if I’m drinking because I’m feeling emotions and I need to numb everything, and I’m drinking way too much, and it’s damaging relationships. Then it’s more of an [00:19:00] unhealthy coping strategy. So we really need to look at why are we using it, if we’re using it so that at the end we feel good, we feel content. It makes us feel proud of how we’re handling things. It’s allowing us to feel our emotions sort through things. Probably healthy coping strategy. Unhealthy usually is used to the extreme, either way too extreme or we shut it off and don’t do it at all. Like exercise Now I’m not exercising at all. And so it’s used to the extreme. It’s used to escape and avoid dealing with things. It’s used to numb our emotions so we don’t have to feel our emotions. It ultimately, after we do it, we feel guilt, bad regret, reinforcing and supporting. Not good enough, not important, not valued. So rather than looking specifically at the behavior, we need to look at why am I using it? That’s gonna give you more idea of which core belief you are reinforcing. Gissele : So what do you think the role of compassion is in [00:20:00] helping somebody go through the difficult emotions? Because as a person who has done it, who sat with probably the most challenging emotions that she has faced, a lot of the fears, it can feel really overwhelming. What helps people sort of titrate or stay in it long enough to get to the other side of it? Sabrina: You know, I think like most things, it’s really about practice. The more you practice it, the more comfortable it becomes. You know, with a lot of my clients that are in their thirties, forties, fifties, you know, my oldest clients are in their seventies. They’ve spent decades avoiding feeling emotion. And so how do you start to feel emotion where that doesn’t feel absolutely overwhelming? ’cause most of them are full up with emotion. So the thought of feeling emotion is just too much. So we always go back and start very, very small. You know, I have a emotions list on my website, but really if you Google Emotions list, you’ll, you’ll find a hundred of them. I tell my clients, print them off, [00:21:00] put them all over your house. Then when you start feeling angry, overwhelmed, just kind of off like something’s bothering you, pick up the emotion list and just read through it. The emotions that you are feeling, you’ll recognize. So now you’re starting. Don’t even have to say it out loud, just read it. So you allow yourself to feel the emotion just a little tiny bit. Doesn’t feel quite as overwhelming. Then after you’ve done that a few times, then you can say the words out loud. ’cause even saying sad out loud creates a bit of sadness. So now I’m feeling a bit more confident. I keep using that for a while, then I get to that place where I can just stop and think about what I’m feeling in the moment. But it takes time and practice. You gotta build that up. So I think a big part of compassion is. Confidence. I have to believe in myself. I can handle being compassionate to myself and to others. Once we build that confidence, then that compassion almost just seems to more just kind [00:22:00] of naturally flow because we can let our own defenses down and really just be present and in the moment with ourselves or with others. Gissele : so thank you for that. I really appreciated that. what are some of the things or signs that will help them know that they’re changing, for example, that they’re starting to feel more good enough? Because I think sometimes we are very good at saying, these are the signposts of things that aren’t working, but what are some signposts of things where people are like, yeah, you know what? Things are changing. You’re changing. Sabrina: You don’t feel as stressed at the end of the day. Mm-hmm. You’re sleeping a little bit better, you smile a bit more. Mm-hmm. You are open to other people’s opinions, thoughts. criticism, feedback you’re not as defensive. You’re able to kind of just listen to what someone else is saying. You’re getting better at feeling your emotions and sorting through your emotions. You are [00:23:00] using more healthier coping strategies that at the end of it, you feel proud of yourself. Right. Whether it’s going for a walk or listening to music or doing some journaling, at the end of it, you feel like, wow, I, you know, I, I handled that really well. You are more patient, you are more calm. you are more open to other people’s suggestions. All those kind of things are suggesting you believing more in yourself. You can handle more. That means that core belief is shifting. You’re willing to take risks, try new things, listening to podcasts, different things like that where you’re stepping outta your comfort zone, creating new opportunities and experiences. Gissele : Yeah. Yeah. Somebody that I was talking to was saying that they’re gonna take two things that make them uncomfortable, like two risks a day. I thought that was pretty cool. Like a pretty cool idea to become more, much more comfortable with discomfort, right? Sabrina: For sure. [00:24:00] Remember, anxiety is lack of confidence, not believing in yourself. You can handle something, so every time you try something new. There should be more anxiety because it’s something you haven’t done before. Mm-hmm. Right. Even just building your confidence in taking risks and trying something new where now, oh, it’s scary, but I know I can handle it. ’cause I’ve stepped outta my comfort zone many times as well. One of the things we say in this model of therapy is nothing really stays the same. Yeah. So if you are not challenging and stepping outta your comfort zone, it’s getting smaller and smaller and smaller and smaller. Gissele : Yeah. Thank you for mentioning that. I’ve had many conversations with different people in my life and one of the things it’s like. I don’t like to say pick your hard but it is sort of like that if you face your, difficult emotions now, later on, it gets easier. The more that you choose from fear, the more you constrict and constraint, the smaller and smaller and smaller your world becomes. And it [00:25:00] feels much more difficult to do it. Later on do you find that your older clients tend to struggle a little bit more or is it just sort of buried? Sabrina: Well, okay. That’s a good question. So a lot of it is buried, but once we start opening it up, then yeah. And one of the things that the older clients have to recognize and acknowledge. Is the hurt they’ve caused to their adult children, their grandchildren, maybe even their great grandchildren, whereas someone who’s in their twenties and thirties, they haven’t had nearly enough time to hurt as many people. And so there’s not as much of that kind of responsibility piece with it, for sure. you know, hurt people, hurt people. So if I was hurting, the chances that I did things to hurt other people is really, really high. Part of the counseling that we do is we need to acknowledge it and sort through that. ’cause as long as I’m carrying a bunch of stuff where I’ve hurt other people, why would I believe I have the right to a happy content life? it’s not [00:26:00] balanced. So I need to deal with all those things that I’ve done to hurt people in order to really, truly heal. Hmm. Gissele : Yeah. And that’s very powerful. Shame and guilt can feel really overwhelming, right? people that don’t know how to regulate their emotions will do almost anything to avoid the feeling of shame, right? Because underneath there there’s a belief that you won’t be loved. And so what helps people work through the whole concept of shame? Sabrina: You know, I think shame loves not good enough and not good enough loves shame. They just feed off of each other for sure. And so it often is this thing that we’ve done that we feel bad about doing, and rather than just acknowledging it and addressing it, and understanding why we made the choices that we did. We just hold onto it. and as long as you’re carrying a lot of shame, you’re not gonna feel happy and content in your life. they just don’t balance out. Shame is significant. So one of the things you wanna do is, first, manage some of those other emotions. [00:27:00] Get better at feeling, you know vulnerability, loved, connected powerless, vulnerable, unheard and then start looking into the shame after you’ve had some experience feeling some of those other ones. If you start off with shame it’s almost too overwhelming and we just end up shutting it off. Then you have to acknowledge and allow yourself to feel that, take responsibility for the actions that created that shame, and then you can start to kind of move on. You know, guilt’s another one. a lot of us were raised with parents who used guilt as a parenting coping strategy. So it’s ingrained in our head that we just automatically feel guilty about everything because that’s how our parents tried to control our behaviors. So that’s a really ingrained thinking pattern more than an emotion. It is a thinking pattern. Mm-hmm. The good thing about that is we can go back and change it. The definition we use of guilt is [00:28:00] not living up to someone’s expectations, usually our own. Hmm. So once I challenge those expectations and change the expectations, the guilt goes down. So, for example, if I was always taught, you never say no, you please everyone don’t ever wanna upset or make anyone else unhappy. That’s my pattern of thinking, sacrifice to make everyone else happy. But now I’m thinking I wanna have a voice. I wanna start saying, no, I wanna start taking care of myself. Well, those collide. Yeah. I can’t say no and make everyone else happy. So I have to change and adjust my expectations. So my expectation now is I need to be respectful when I say no, but it is okay if I have a voice and it is inconvenience or awkward for the other person. That’s for them to figure out. Now as I tell myself that I’m not gonna feel guilty because I’m expecting that this may be uncomfortable for them, and that’s okay. That [00:29:00] guilt dissipates guilt’s more of a thought than it really is an emotion. Gissele : Mm-hmm. Yeah. You mentioned the difference between thoughts and emotions. And, and this is just my perspective, I usually find that. All emotions begin with a thought. So you usually have a thought first, which you have interpreted, and then some somehow have a big emotion about or not. Right? And so is it accurate that The habits that are formed from just your thoughts are easier to manage than ones that are based on thoughts and emotions. Sabrina: That’s how emotions are created. So what happens is we have a thought that creates a chemical reaction that we then feel physiologically in our body creating the emotion. Our thoughts create our emotions. So the good thing about that is if I’m feeling really anxious and I challenge and control my thoughts, the anxiety goes away. Speaker 3: Mm-hmm. Sabrina: Right? If I’m [00:30:00] feeling really angry and I can stop and go, what are my thoughts? And I can realize, oh yeah, those thoughts are gonna create anger, challenge, and change those thoughts, the anger goes away. So neutral thoughts gonna create neutral emotions. But if we’re having thoughts of people hurting us, of feeling taken advantage of feeling you know, of being unappreciated, that is going to create emotions that we then feel physiologically in our body. Gissele : Mm-hmm. you mentioned that whole concept of not good enough. Where does self-love fit into the whole concept of good enough? Sabrina: the more you feel good enough, important and valued, the more you feel loved and content, right? Our kind of end goal is that contentment. You just feel peace within yourself. you love yourself. I’m always a bit cautious around the word love. Because it has been warped in many situations. Yeah. I’ve heard [00:31:00] clients tell me love means taking abuse. Mm-hmm. Love means sacrificing myself to not cause any, issues. Love means keeping secrets. Yeah. Right. Then we have the other extreme where we say, I love you now almost too much. It’s almost like, hi. Like I’ll say, oh, you know I love you. Oh, and I love spaghetti. Well, Gissele : yeah. Sabrina: So what does that really mean? So I think we need to even be aware of what is my definition of love? Is it a healthy definition or is it more of an unhealthy definition? And then what? What else does that look like? Contentment. Peace, calm thoughts. You know it, you’ve gotta define it. love is almost a bit of that symptom word. We need to go deeper. We’ve gone through generation, you know, my parents were never said, I love you. Never said it at all. and didn’t have to, didn’t create any emotions. But now we still don’t wanna say feel emotions, so now we [00:32:00] say, I love you a thousand times. So it really still doesn’t create a lot of emotion. Mm-hmm. So I find that balance and really be careful of what that word means to us, for sure. Gissele : Mm-hmm. Yeah. Thank you for that. And so using whatever different term you’re gonna use, as long as you’re getting at the same thing which is about thriving, I think is really important. You mentioned that anxiety is lack of confidence. What’s depression? Sabrina: they go together in a cycle, right? Mm-hmm. So anxiety is that fight, flight, freeze on guard, ready to attack. Well, you can only do that for so long and it’s exhausting. So then we kind of slip into the depression where I just don’t have to feel anything. I can curl up in a bit of a ball. I don’t have to deal with anything, but then that kind of passes I feel a bit better. So I come out of that, but now I’m in that fight flight freeze again. So we often see depression and anxiety often working together in a cycle for sure. Depression, you know, is [00:33:00] another way of reinforcing and supporting that not good enough if I feel not good enough. Not important, not valued. What’s the point? Why bother? So, you know, just like we talked about how that core belief can present in alcohol, drugs, gambling, anxiety is one. Depression is one as well. Gissele : I also wanted to emphasize the fact that, you know, the work that you’re doing is focusing on people feeling good enough from within. Many people try to find it from outside, whether it be through overworking, like you mentioned, through acquiring all the things they think they should have or by acquiring love from outside. What sort of the mindset shift that needs to happen for people to realize that? It’s something that they can give to themselves from within versus from without. Because if you look at this world, everything in this world that we teach is get it from the external. Sabrina: if my core belief is not good enough, not important, not [00:34:00] valued, I don’t believe I have much to offer even to myself. But if I get it in a car, a big house, if I get a new dirt bike, if I have the best, whatever it is mm-hmm. Then I’ll be good enough. Speaker 3: Mm-hmm. Sabrina: As long as you’re looking externally, you’re not going to find it. But if I don’t believe in myself, I don’t really believe that I have it within even myself. So I think that’s one of the first stages, is really becoming more aware of where is my core belief at. How much do I really give myself that opportunity to feel good enough, important and valued. Once you become aware, even just becoming aware starts to develop that core belief good enough, important and valued. ’cause now you know what’s there and you’re willing to challenge it. Honestly, if I don’t think I can even handle doing that, I’m not going to. So once we even start to become aware of it, that core belief is shifting. Once that core belief shifts, then we can continue to build on it little tiny step at a time where we start to find more of our own worth and [00:35:00] value within ourselves. As we do that, we just naturally start to kind of look more inward and don’t worry so much about the outside stuff. Hmm. Yeah, yeah. Gissele : But the journey towards. Shifting from not feeling good enough to feeling good enough can sometimes feel very challenging, right? Because you are dealing with difficult emotions. What are some of the things that keep people moving forward? Sabrina: it can be absolutely terrifying, you know? Mm-hmm. I’ll say to my clients, going through and challenging and changing this core belief is going to be one of the hardest things you’ve ever done. The only thing maybe harder is living the way you’ve been living. Yeah. Right. But the only way to really keep is you gotta let all that stuff out. Well, letting all that stuff out sucks. Mm-hmm. It is lot fun. It’s terrifying. It’s a lot of work. It’s exhausting, but going very, very [00:36:00] slow helps you build confidence so you feel more in yourself. You can handle it. Reminding yourself that to heal, I gotta let this out. The more you let it out, the better it is. You are never going to feel emotion that you aren’t carrying. So if there’s emotion there, let it out. Mm-hmm. Every time you do that, it gets a little bit easier and you feel a bit better. Right? Mm-hmm. We have a good cry. We always feel a bit of a sense of relief the next day. Continuing to do that. They work hand in hand. So as you practice, you’re learning more, you’re understanding more, but you’re also feeling better, feeling more content, feeling more good enough, important and valued, feeling more pride. So they feed off of each other and you can continue to move forward. But they’re definitely, I know for my clients, every single client, there are days where they think I don’t wanna do this. Like, what’s the point? You said I was gonna get better? I feel worse than I did before. Because you’re in it, right? Part of moving and getting healthy [00:37:00] is you may have a bit of an idea of what you wanna work towards, but you haven’t figured out how to get there yet. That is frustrating, but you have to keep practicing and practicing and practicing hope. You know, I think hope is okay for a period of time, but we need much more than hope. You know, if I’m going hiking in the Outback and I say to my guide. Do you know where we’re going? And he says, I hope so. I’m probably not going with them. Right. And so hope can can get us over that lip a little bit, but we need to have a plan. We need to have practice behaviors so we know what we’re doing, not just hoping. Gissele : Mm-hmm. And you know, as you were talking, I was thinking People who have done hard things, the people that overcame, you know, the Holocaust, they saw themselves beyond that experience. They might have died, but they needed to see themselves beyond that experience. So there is an element of belief that you can do it. There is that element [00:38:00] of desire to say, I don’t know how, I don’t know when, when I’m gonna get through this, this hurdle. What do you think the role of affirmations are in helping people gain more confidence and feel more good enough? Sabrina: You know what, again, it can be a surface level thing, right? I can tell myself a thousand times that I am good enough, but if I don’t believe it, it’s not going to do any good. So what we talk about with all those kind of. Tools is, it really is just a tool. It’s up to you how much you wanna apply it. So I can have an affirmation that I say, I, you know, I stick on a sticky note on my bathroom and I see it every day. But we all know after about five days, we don’t even really notice it there anymore. It’s not, gonna be of benefit, but if I’m using that affirmation to remind myself, to reframe my thinking, to challenge myself, to see things differently. Then they can have an impact. So it’s not so much about the tool, it’s about how [00:39:00] am I using it? Am I using it to make changes to believe in myself or am I using it to actually beat myself up? Gissele : Yeah. Yeah. Are there any other tools that you think that are helpful in helping people start on their journey? Sabrina: I think there’s two really important pieces. First one is breathing. So when we’re going into that fight, flight, freeze response, and we’ve got adrenaline being dumped into our body, we also have a chemical called cortisol being dumped into our brain. Cortisol stops us from thinking we can’t use logic and reason, understand consequences feel our emotions. It has a massive impact in our brain. Breathing stops that fight, flight, freeze response from happening. So if I’m in danger, we often hold our breath shallow breathing. When I take nice deep breaths, my brain goes. Oh, we’re not in danger. And so it is a really effective tool in helping to stop and [00:40:00] break that fight, flight, freeze response from happening. What I usually say to my clients is don’t wait until your anxiety is a 10 outta 10 to breathe. You definitely need to Breathe outta 10, outta 10, but start breathing regularly throughout the day. It just brings everything back down. So breathing is a really, really effective coping strategy for sure. But the other one is make a plan. Remember, anxiety is a lack of confidence. Well, if I have a plan of how I’m gonna handle something, I’m going to feel way more confident in handling it. So a lot of times we have those worry thoughts, those what if scenarios, we just let them repeat over and over and over and over and over in our head. We say, take that thought, write it down on a piece of paper and figure out what do I do if this happens? Once we have a plan, we realize, oh, I could handle it. That anxious thought goes away. If it’s still there a little bit, it’s gonna be much less. But then you [00:41:00] just remind myself, no, I just do A, B, and C, and I would handle it. Even taking that to worst case scenario. Right. So, you know, let’s say I’m working with a student who is worried about failing a test. Speaker 3: Mm-hmm. Sabrina: So we can make a plan about what do you do to not fail the test. But that’s not the worry thought. The worry thought is what if I fail? So what if, if you fail your test, what do you do? You talk to the teacher, you know, you see if you can rewrite, you study more for the next ones. You do really well on your presentations so that you are bringing your markup, okay, so I can handle failing this test. Worst case scenario, what if I fail the whole course? So what do you do? You retake it. Maybe you drop out and you start working. Even the worst case scenario we could handle. So once we start making a plan, we can really help believe in ourselves more that we would handle it. [00:42:00] Might not be fun, might not be great. I probably won’t even be very graceful in doing it, but it will happen. We are way more resilient than we give ourselves credit for. You. Think about all the experiences you’ve been through in your life. You’ve survived them ’cause you’re here now. Mm-hmm. We need to stop and look at that. I’ve handled all these things. Can I handle failing a test? Yep. Probably. Mm-hmm. Won’t be fun. Mm-hmm. It’s gonna create emotion that I don’t wanna feel, but yeah, I can handle it. Speaker 3: Mm-hmm. Sabrina: So I think those are two really important strategies. Breathing and make plans. Mm-hmm. Gissele : Is there a level of detachment that should happen when you create a plan? during the time. When I was challenged the most creating that plan might’ve introduced a lot of resistance in me if it didn’t come through the way that I had planned. And so I think that would’ve generated a little bit more fear in me. Is there a level of detachment or maybe different options that would’ve helped and [00:43:00] the other thing that would probably have arisen in me was well, I’m feeding that experience. I’m saying that that’s gonna happen. Sabrina: Yeah. Right. Well, well, and the problem is, you probably are already thinking that’s gonna happen a thousand times in your head. Yeah. So let’s just acknowledge it and say, okay, what do, if it happens? Mm-hmm. With a lot of our anxious thoughts, they never even really happen. So we don’t even have to put the plan into place. But in knowing we have a plan builds confidence, which means those anxious thoughts are going to go down. You know, when we first start doing it, well, I think even after we’ve been doing it for a really long time. We can have a plan and the chances that it’s gonna go exactly the way our plan is, is laid out not very high. That’s just not the way life works. Mm-hmm. So the first few ones can be, frustrating, but after you’ve made plan 10, 15, 20 times, you start realizing, okay, I can adapt that piece and I can challenge that piece. And I never even thought about that, but I figured out how to handle it because it’s not even really about the plan. It’s about [00:44:00] building confidence, helping me realize I got this, I can handle it, I can figure it out. And so over time, that happens. But the, the plan is often more thought based than emotion based. It doesn’t have to be, but often it is. It’s more, you know, I’m thinking through more than I am really feeling through. Gissele : Hmm. I was just thinking of a quote that I had heard about how people with good mental health are people that are the most flexible. Flexible and flowing who are willing to go with life. It’s not that life doesn’t give you adversity or things don’t happen. it’s the willingness to be flexible and the ability to bend. And it really is the people that are the most in resistance and struggle the most, or the people that are want to control and are not. Able to adjust, Sabrina: right? More. My core belief is good enough. The more confident I’m gonna be. So the more, no matter what comes up, I got it. I’ll figure it out. Core belief, not [00:45:00] good enough. More insecurity. I don’t trust in myself that I can handle any of these things, so it’s gotta go exactly like plan. Mm-hmm. And so it’s, it’s building that we, you know, we don’t want that plan to be like a routine where it has to go A, B, C, D. It’s more about how do I handle these kind of scenarios and building that confidence rather than creating more rigid plans. For sure. Gissele : Yeah. And that flexible and flowing can make you feel like. Right. Because when you stop controlling things in your life, there’s an openness, there’s a sense of, oh, I don’t have to do all of that. I don’t have to control life anymore. I can just allow it. And that doesn’t mean that things aren’t gonna happen. You know, there’s a difference between pain and suffering, right? Everybody experiences pain, whether we choose to. Suffer is optional. Like when I think about my experiences, many times I [00:46:00] experienced pain, but I was the one who was causing myself suffering by repeating those same thoughts and constricting and all of that stuff. But it’s hard for us to acknowledge that we are doing that to ourselves. Right? Right. Sabrina: It’s that responsibility piece. I think same with the word stress, right? People often talk about how everything is so stressful. You create your own stress. If you go into it thinking, I can’t handle this, yeah, you’re gonna be stressed out. But if you go in feeling confident, knowing that no matter what comes, you’ll figure it out and you will handle it. It’s not as stressful. there are varying things for sure, something really significant happen. It may create more stress than other things, but if we’re really stressed all the time, you are creating your own stress by how you are thinking about how you’re gonna handle the event. Not the event itself. Gissele : Hmm. Yeah. Thank you. So I wanted to give you an opportunity to share where can people find you? Where can they work [00:47:00] with you? Tell us a little bit more about your book. Sabrina: Sure. So my book is not good enough. Understanding Your Core Belief and Anxiety. It’s available on Amazon’s. It is a handbook. So you’re reading about core belief and in general, but then you do an activity where you’re applying that information to your own personal experiences. So it’s a, a book about self-reflection, learning more, understanding more about your core belief, and then how is it, you know, showing up in your life. And then what do you do? What are some things you can do to challenge yourself? To start to feel more and more good enough, important and valued. I am also on on most social media. I am Sabrina Trobak on YouTube and on LinkedIn. I am NGE. So not good enough. Understand. NGE_Trobak on Instagram and NGE_CoreBelief on TikTok. And then I’m on Facebook as well in [00:48:00] Trobak holistic counseling. Mm-hmm. Wonderful I have a website, http://www.trobakholistic.org. On my website is a page to my book. It’s got a blog section, which is just short, two to four minute reads about everything. Also got a link, a page that links all of the podcast interviews that I’ve done as well. Gissele : Hmm. Beautiful. So one final question. I ask this of all my guests. What is your definition of love? Sabrina: I, I would say my definition of love is. Probably just one word. Acceptance. Mm-hmm. Acceptance of self and others. And, and sometimes that means giving love and sometimes that means moving on. Gissele : Hmm. I like that. I like that. Even acceptance of situations. Right. If you have the confidence to believe that you can overcome anything, it’s just acceptance. Beautiful. Thank you so much, Sabrina, for being on the show and for sharing your wisdom with [00:49:00] us, and thank you to those who tuned into love and compassion with Gissele Stay tuned for another episode.
Christian ; Follower of GOD Servant of CHRIST Decorated Combat VeteranCorporate; U.S. Marine Corps Urban Warfare Instrictor; S.R.T. Commander Active Shooter Response Team Law Enforcement Los Angeles Police (L.A.P.D.) Police Officer / Fugitive RecoveryF.B.I. Instructor N.R.A Instructor Competition Shooter; Multi Time State Rifle Pistol Champion Hunting; Life Long Hunter Proffessional Hunter and Guide Private Security Contractor; Several Agencies, Current.Patreon https://bit.ly/3jcLDuZhttps://account.venmo.com/u/MilitoMinistryPodGOD Provides JESUS SavesBecome a supporter of this podcast: https://www.spreaker.com/podcast/gunfighter-life-survival-guns-tactical-hunting--4187306/support.Have a Blessed Day
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.
On The Chosen Life Podcast, host Jonathan A. Hacohen sits down with Elena Saradidis for a rapid-fire real estate session built from AI-suggested questions. Elena breaks down what this Toronto market means for buyers, sellers, and investors, and why opportunity exists on every side if your reason is strong. She shares her buyer rule of picking two between price, location, and must-have list, plus her four pillars for selling fast and well. They also get real about the grind behind real estate and why top service should never depend on price point.SUBSCRIBE TO THE PODCAST ► https://www.youtube.com/kormans
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
¿Eres más de tenerlo todo planificado y pensado o de improvisar en el momento? A raíz de una anécdota, reflexionamos hoy acerca de la importancia de la flexibilidad y de la adaptación. ¡Esperamos que te guste! (Perdonad el audio, no se grabó bien con el micro)
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
In this episode of Financial Planner Life, Sam Oakes speaks with Tammy Salmon and Emma Layton of Salmon Financial Planning, a partner practice of St. James's Place in Bishop's Stortford.We hear how Emma transitioned from redundancy to a qualified financial planner through the St. James's Place Financial Adviser Academy, supported by Tammy's mentorship. Tammy shares her 20-year journey in financial services and why creating a flexible, values-led business was essential for her success and her team's.Together, they explore:Why women leave financial services mid-careerThe power of local, relationship-led client acquisitionFrom mortgage adviser to business ownerWhy visibility of women in leadership mattersHow motherhood and financial planning can thrive side-by-sideIf you're considering a career in financial planning or want to build a more inclusive practice, this episode is for you.00:00 - Intro to Tammy & Emma's Story01:45 - Why So Few Women Become Financial Advisers04:30 - Tammy's Journey from Mortgage to Financial Advice07:50 - Emma's Career Change & Entry via SJP Academy11:10 - The Role of Mentorship in Career Progression14:30 - Creating a Flexible, Family-First Advice Firm18:15 - Visibility of Women in Leadership Roles22:00 - Local Marketing & The Bishop's Stortford Mummies25:45 - Authenticity Over Aggression in Sales29:00 - Work-Life Balance and Setting Boundaries32:10 - Advice for Women Entering Financial Planning35:20 - Who the SJP Academy is Right For37:45 - Legacy, Purpose & Final Reflections40:00 - Wrap Up & How to ConnectBe sure to follow Financial Planner life on YouTube for extra content about career development within Financial Planning. Reach out to sam@financialplannerlife.com in regards to sponsorship, partnerships, videography or podcast production. Want to appear on the Financial Planner Life podcast? Drop Sam a message.
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.
Dr Anna M Biller is a trained psychologist and neuroscientist, and works at the intersection of light, sleep, circadian rhythms and health psychology. She uses light dosimetry, actimetry, sleep diaries and questionnaires to study health and disease in field studies. More recently, she started to work on big data derived from wearables. ---- This podcast episode is sponsored by Fibion Inc. | Better Sleep, Sedentary Behaviour and Physical Activity Research with Less Hassle --- Collect, store and manage SB and PA data easily and remotely - Discover ground-breaking Fibion SENS --- SB and PA measurements, analysis, and feedback made easy. Learn more about Fibion Research --- Learn more about Fibion Sleep and Fibion Circadian Rhythm Solutions. --- Fibion Kids - Activity tracking designed for children. --- Collect self-report physical activity data easily and cost-effectively with Mimove. --- Explore our Wearables, Experience sampling method (ESM), Sleep, Heart rate variability (HRV), Sedentary Behavior and Physical Activity article collections for insights on related articles. --- Refer to our article "Physical Activity and Sedentary Behavior Measurements" for an exploration of active and sedentary lifestyle assessment methods. --- Learn about actigraphy in our guide: Exploring Actigraphy in Scientific Research: A Comprehensive Guide. --- Gain foundational ESM insights with "Introduction to Experience Sampling Method (ESM)" for a comprehensive overview. --- Explore accelerometer use in health research with our article "Measuring Physical Activity and Sedentary Behavior with Accelerometers ". --- For an introduction to the fundamental aspects of HRV, consider revisiting our Ultimate Guide to Heart Rate Variability. --- Follow the podcast on Twitter https://twitter.com/PA_Researcher Follow host Dr Olli Tikkanen on Twitter https://twitter.com/ollitikkanen Follow Fibion on Twitter https://twitter.com/fibion https://www.youtube.com/@PA_Researcher
#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.
Smart Agency Masterclass with Jason Swenk: Podcast for Digital Marketing Agencies
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.
Simply Convivial: Organization & Mindset for Home & Homeschool
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
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!