Podcasts about fsa

After losing at the FSA awards last night the lads chat turns to a new sexy formation on the cards at Leeds United.

The podcast features a conversation with Willis Towers Watson CEO Carl Hess, who discusses his progression from actuary to CEO, emphasizing the importance of analytical skills, communication, and people management in leadership. Carl highlights how technology and AI are transforming the actuarial profession, noting that automation and AI projects at WTW are helping staff focus on more productive work and better utilize unstructured data. He shares personal anecdotes about using music to maintain focus during actuarial exam studies and explains how he stays connected with WTW's employees through informal interactions and modern communication tools. Carl reflects on key career moments and lessons leaned along the way.   Carl is joined by Chris Lombardi, Karen Grote, and Jon Froster for this thoughtful conversation.   Contributors: Carl Hess, FSA, CERA; Chris Lombardi, FSA, MAAA; Karen Grote, FSA, MAAA; Jon Forster, ASA, MAAA Thanks for watching and don't forget to subscribe! Want to keep up with the latest SOA news? Follow us on our social channels: Instagram: @soactuaries Facebook: Society of Actuaries LinkedIn: Society of Actuaries Twitter: @SOActuaries About Us: With roots dating back to 1889, the Society of Actuaries (SOA) is the world's largest actuarial professional organization with more than 32,000 actuaries as members. Serving as the SOA's research arm, the SOA Research Institute provides objective, data-driven research bringing together tried and true practices and future-focused approaches to address societal challenges and your business needs. It provides trusted knowledge, extensive experience and new technologies to help effectively identify, predict and manage risks. ● Learn more about Influence in the Actuarial Profession and other engaging topics relevant for actuaries on the Professional Development Edge Subscription product.    https://www.soa.org/prof-dev/pd-edge/  

Send us a message with this link, we would love to hear from you. Standard message rates may apply.We unpack new GLP-1 pricing, coverage hurdles, and whether cash-pay programs make these meds more reachable for diabetes, obesity, and sleep apnea care. Along the way we share candid pros and cons of injections, tease future oral options, and weigh real tradeoffs.• current cash-pay pricing from major manufacturers• differences between Wegovy, Ozempic, and Zepbound• tighter insurance coverage and prior authorization burden• fears about injections and route-of-administration bias• potential oral GLP-1 timelines and cost impact• framing obesity as a chronic, treatable disease• practical tips to explore HSA or FSA options• how to decide if the monthly cost is worth itSupport the showSubscribe to Our Newsletter! Production and Content: Edward Delesky, MD & Nicole Aruffo, RNArtwork: Olivia Pawlowski

On this episode of Dollars & Sense with Joel Garris, get ready for a power-packed financial guide as Joel unpacks the must-do year-end financial checklist, reveals the surprising habits of the “millionaire next door,” and exposes the pitfalls of incomplete estate plans. Joel kicks off with a timely reminder: as the holiday season races by, you have just weeks to make smart financial moves before the new year. He walks you through seven crucial year-end tasks, including maximizing retirement contributions, using up your FSA, making charitable donations, and reviewing your health benefits—each step designed to help you avoid costly mistakes and make the most of your money. Next, the show dives into one of the biggest gaps in personal finance: estate planning. Joel shares stories from his practice, highlighting how most estate plans are never fully implemented—leaving families vulnerable. He explains why simply signing documents isn't enough, and outlines easy-to-follow steps (like titling assets correctly and regular reviews) so your legacy plan actually works for your loved ones. But that's not all! Joel also explores the “stealthy wealthy”—those quiet millionaires who build real, lasting wealth by shunning status symbols, driving practical cars, maximizing tax efficiency, budgeting diligently, and keeping their finances private. Want to know what they do differently? Joel breaks down the seven key habits that set them apart, with actionable tips you can use right now. Whether you're looking to finish the year strong, set up your family for success, or adopt the habits of the quietly wealthy, this episode delivers practical insights and real-life inspiration. Click to listen and learn how to avoid the traps, make smarter money moves, and secure your financial future! 

In this lively, reflective episode of The Forest School Podcast, Lewis, Wem, and guest Lily pick apart the famous “three look afters” and ask a bigger question: who's allowed to fail at Forest School, and how do we help people fail well? From cartilage kneecaps and Mr Potato Head jokes to space holding, autonomy versus community, and that dreaded “shit spoon” moment, they explore boundaries, blame versus shame, and how to create conditions where struggle leads to learning rather than humiliation. Expect practical facilitation nuance, philosophical detours, and a few perfect tangents about tracksuits.⏱ Chapter Timings00:00 – Cold open: kneecaps, bandagraphs, and Mr Potato Heads03:14 – Axing the “three look afters”: demands, agency, and who can fail06:06 – Flattened hierarchies or hidden authority: responsibility in practice10:38 – Boundaries, safety, and culture shift for new groups14:49 – Space holding, low-demand setups, and modelling altruism21:27 – Failing well: conditions for struggle without humiliation25:22 – Nunchi: reading the room and tailoring support28:56 – Relational failure, shame versus guilt, and belonging49:22 – Process over product: the “shit spoon” and reframing success1:05:00 – Lily's trainings, FSA roadshows, and resources

Peter Miller, CFA, FSA, Head of Client Investment Solutions for North America at Invesco, provides context to CFA Society New York's upcoming Insurance Investment Officers Roundtable. He discusses key considerations affecting portfolio construction and strategy, including the role of private markets, regulatory and macro environment, and the potential impact of climate-related events.

Segment 1: Ilyce Glink, owner of Think Glink Media, joins John Williams to talk about what we can expect from Cyber Monday this year. Ilcye also reminds you to spend your FSA balance, and the state of Florida looking to eliminate property taxes for residents. Segment 2: Jim Dallke, Director of Communications, TechNexus Venture Collaborative, tells John about Cameo scored a […]

Allen, Joel, and Yolanda share their annual Thanksgiving reflections on a year of major changes in wind energy. They discuss industry collaboration, the offshore wind reset, and upcoming changes in 2026. Thanks to all of our listeners from the Uptime team! Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining Light on Wind Energy’s brightest innovators. This is the Progress Powering Tomorrow. Allen Hall: Welcome to the Uptime Wind Energy Podcast. I’m your host, Alan Hall in the Queen city of Charlotte, North Carolina. Joel Saxon’s up in Wisconsin, and Yolanda Padron is down in Texas, and this is our yearly Thanksgiving edition. Thanks for joining us and, and on this episode we always like to look back at the year and, uh, say all we’re thankful for. We’ve had a number of podcast guests on more than 50, I think total by the time we get to conferences and, uh, all the different places we’ve been over the past year. Joel, it does seem like it’s been a really interesting year. We’ve been able to watch. The changes in the wind industry this year via the eyes of [00:01:00]others. Joel Saxum: Yeah. One of the things that’s really interesting to me when we have guests on is that we have them from a variety of parts of the wind industry sector. So we have ISPs, you know, people running things out in the field, making stuff happen. We’ve got high level, you know, like we have this, some CEOs on from different, uh, people that are really innovative and trying to get floating winged out there. They have like on, we had choreo generation on, so we, so we have all different spectrums of left, right center, Europe, well us, you name it. Uh, new innovative technology. PhD smart people, uh, doing things. Um, also, it’s just a, it’s just a gamut, right? So we get to learn from everybody who has a different kind of view on what’s Allen Hall: happening. Yolanda, you’ve been in the midst of all this and have gone through a big transition joining us at Weather Guard, lightning Tech, and we’re very thankful for that, for sure. But over the last year, you’ve seen a lot of changes too, ’cause you’ve been in the seat of a blade engineer and a [00:02:00] large operator. What do you think? Yolanda Padron: Uh, something I am really thankful for this year is, and I think a lot of owner operators are, is just knowing what’s coming up. So there was a lot of chaos in the beginning before the big beautiful bill where everyone theorized on a lot of items. Um, and, and you were just kind of stuck in the middle of the court not really knowing which direction to go in, but. Now we’re all thankful for, for what? It’s brought for the fact that everyone seems to be contributing a lot more, and at least we all know what direction we’re heading in or what the, what the rules are, the of the game are, so we can move accordingly. Joel Saxum: Yeah. I got some clarity. Right. I think that, but that happened as well, like when we had the IRA bill come in. Three, four years ago, it was the same thing. It was like, well, this bill’s here, and then you read through it. I mean, this was a little bit opposite, right? ’cause it was like, oh, these are all [00:03:00] great things. Right? Um, but there wasn’t clarity on it for like, what, six months until they finalized some of the. Longer on some of the, some of the tax bills and what it would actually mean for the industry and those kind of things. So yeah, sorting this stuff out and what you’ve seen, you’re a hundred percent correct, Yolanda, like all the people we talked to around the industry. Again, specifically in the US because this affects the us but I guess, let me ca caveat that it does affect the global supply chain, not, you know what I mean? Because it’s, it’s not just the, the US that it affects because of the consumption here. So, but what we have heard and seen from people is clarity, right? And we’re seeing a lot of people starting to shift strategy a little bit. Right now, especially we’re in budgeting season for next year, shifting strategy a little bit to actually get in front of, uh, I know like specifically blades, some people are boosting their blades, budgets, um, to get in front of the damages because now we have a, a new reality of how we need to operate our wind farms. The offshore Allen Hall: shift in the United States has really had a [00:04:00] dramatic impact. On the rest of the world. That was, uh, a little unexpected in the sense that the ramifications of it were broader, uh, just because of so much money going into offshore projects. As soon as they get pulled or canceled, you’ve have billions of dollars on the table at that point. It really affects or seen it. Ecuador seen it. Anybody involved in offshore wind has been deeply affected. Siemens has seen it. GE has clearly seen it. Uh, that has. In my opinion, probably been the, the biggest impact. Not so much the big beautiful bill thing, but the, uh, ongoing effort to pull permits or to put stoppages on, on offshore wind has really done the industry some harm. And honestly, Joel, I’m not sure that’s over. I think there’s still probably another year of the chaos there. Uh, whether that will get settled in the courts or where it’s gonna get settled at. I, I still don’t know. [00:05:00] But you’ve seen a big shift in the industry over in Europe too. You see some changes in offshore wind. It’s not just the US that’s looking at it differently. Yeah. Globally. I think offshore wind Joel Saxum: right now is in a reset mode where we, we went, go, go, go, go, go get as much in the water as we can for a while. And this is, I’m, I’m talking globally. Um. And then, and now we’re learning some lessons, right? So there’s some commercial lessons. There’s a lot of technical lessons that we’re learning about how this industry works, right? The interesting part of that, the, the on or the offshore wind play here in the States. Here’s some numbers for it, right? So. It onshore wind. In the states, there’s about 160 gigawatts, plus or minus of, uh, deployed production out running, running, gunning, working, spinning all day long. Um, and if you look at the offshore wind play in planned or under development, there’s 66 gigawatts of offshore wind, like it’s sitting there, right? And of that 66, about 12 of them are permitted. Like [00:06:00] are ready to go, but we’re still only at a couple hundred megawatts in the water actually producing. Right. And, and I do want, say, this is what I wanna say. This is, I, I think that we’re taking a reset, we’re learning some things, but from, from my network, I’m seeing, I got a, a whole stack of pictures yesterday from, um, coastal offshore, Virginia Wind. They’ve, and they looked promising. They looked great. It was like a, it was a marshaling facility. There was nelle stacked up, there was transition pieces ready to go. Like, so the industry is still moving forward. It’s just we’re we need to reset our feet, um, and, and then take a couple steps forward instead of those, the couple steps back, Allen Hall: uh, and the industry itself, and then the employees have been dramatically reduced. So there’s been a lot of people who we’ve known over the past year, they’ve been impacted by this. That are working in different positions, look or in different industries right now, uh, waiting for the wind industry to kind of settle itself [00:07:00] out to, to figure out what the next steps are That has been. Horrible, in my opinion. Uh, uh because you’re losing so much talent, obviously. And when you, when you talk to the people in the wind industry, there’s like, oh, there’s a little bit of fat and we can always cut the fat. Yeah, yeah, yeah. But we’re, we’re down to the bone. We’re cutting muscle right now. We’re into some bones, some structure. That is not what I anticipated to happen. But you do see the management of these companies being. Uh, very aggressive at the minute. Siemens is very aggressive. Vestas is very aggressive about their product line and, and getting availability way up. GE has made huge changes, pretty much closing LM wind power, uh, and uh, some things happening in South Carolina that we probably people don’t know about yet, but there’s so much happening behind these scenes that’s negative and we have to acknowledge it. It’s not great. I worry about everybody that has been [00:08:00] laid off or is, is knows their job is gonna go away at the end of the year. I struggle with it all the time and I, I think a lot in the wind industry do. But there’s not a lot to do about it besides say, Hey, uh, we’ve gone through this a couple of times. Wind has never been bountiful for 50 years. It’s bountiful for about 10, then it’s down for about five and it comes back for 10. It’s that ebb and flow, but you just hate to be involved with that. It’s particularly engineering ’cause this industry needs engineering right Joel Saxum: now. All of us on this podcast here have been affected by ups and downs in the industry at some point in time in our life, in in major ways. I guess one of the positive things I have seen that from an operator standpoint, and not as much at the latter half of this year, but at the beginning half of this year is when some of these OEMs were making cuts. There was a lot of people that landed at operators and asset owners that were huge assets to them. They walked in the door with. Reams of knowledge about how, [00:09:00] you know, how a ge turbine works or how the back office process of this works and they’re able to help these operators. So some of that is good. Um, you get some people spread around in the industry and some knowledge bases spread around. But man, it’s really hard to watch. Um, your friends, your colleagues, even people that you, that you don’t know personally just pop up on LinkedIn, um, or wherever. And. That they’ve, they’re, they’re looking for work again. Allen Hall: Yolanda, how do you look at 2026 then, knowing what’s just happened in 2025? Is there some hope coming? Is there a rainbow in the future? Yolanda Padron: I think there’s a rainbow in the future. You know, I, I think a lot of the decisions were made months ago before a lot of people realized that the invaluable, how invaluable some of that information in people’s heads is. Uh, particularly, I mean, I know we’ve all talked about the fact that we’re all engineers and so we, we have a bit of bias that way. Right. But, uh, [00:10:00] just all of the knowledge that comes in from the field, from looking at those assets, from talking to other engineers now, which is what, what we’re seeing more and more of, uh, I think, I mean. So there’s going to have to be innovation, right? Because of how, how lean everybody is and, and there’s going to have to be a lot more collaboration. So hopefully there, there should be some, some good news coming to people. I think we, we need it a little Joel Saxum: bit. You know, to, to, to pair on with what you’re saying there, Yolanda, like, this is a time right now for innovation and collaboration. Collaboration, right. I want to touch on that word because that is something that we, we talk about all the time on the podcast, but you also see the broader industry talking about it since I’ve been in it, right. Since I think I came in the wind industry, like 2019. Um, you hear a lot of, uh, collaboration, collaboration, collaboration. But those were like, they were [00:11:00] fun, like hot air words, like oh yeah, but then nobody’s really doing anything. Um, but I think that we will start to see more of that. Alan, you and I say this a lot, like at the end of the day, once, once the turbines are in the ground as an asset owner, you guys are not competing anymore. There’s no competition. You’re competing for, for green space when you’re trying to get the best wind resource. I get that. Um, but I mean, in the central part of the United States, you’re not really competing. There’s a lot of hills out there to stick a turbine on. Uh, but once they’re, once they are spinning. Everybody’s in the same boat. We just wanna keep these things up. We wanna keep the grid energized, we wanna do well for renewable energy and, um, that collaboration piece, I, I, I would like to see more and more of that in 2026. And I know from, from our chairs here, we will continue to push on that as well. Yolanda Padron: Yeah. And just so many different operators, I mean sure they can see themselves as, as being one against the other. Right. But. When you talk [00:12:00] to these people and it, I think people in the past, they’ve made the, the mistake of just being a little bit siloed. And so if you’re just looking at your assets and you’re just looking at what your OEM is telling you of, oh, these problems are new and unique to you, which I’m sure a lot of people hearing us have heard that. You can stay just kind of in that zone of, oh no, I, I have this big problem that there’s no other way to solve it except for what some people are telling me or not telling me, and I’m just going to have to pay so much money to get it done and take the losses from generation. Uh, but there’s so many people in the industry that have a hundred percent seen the issues you’ve seen. Right. So it’s, it’s really, really important to just talk to these people, you know? I mean, just. Just have a, a simple conversation. And I think some of the issue might be that some people don’t know [00:13:00] how to get that conversation started, right? And so just, just reach out to people, someone in the same position as you go to Wilma, you know, just talk to the person next to you. Joel Saxum: I mean, like I said about visibility, like we’re here too. Like the, the three of us are sitting here. We’ve got our. We’re always monitoring LinkedIn and our emails like if you, if you have a problem, we, we had one this morning where I, Alan, you got a message from someone, I got a message from someone that was like, Hey, we’ve got this root bolt issue. Can you help us with it? We’re like, Hey, we know two companies that can, let’s just connect them up and, and make that conversation happen. So we’re happy to do the same thing. Um, if, if you have an issue, we have a, a Allen Hall: broad reach and use us as Joel has mentioned a thousand times on the podcast. If you don’t know where a technology lies or where a person is that you need to reach out to, you need to go to the Uptime podcast. You can search it on YouTube and probably get an answer, or just reach us on LinkedIn. We’re all willing [00:14:00] to give you advice or help or get you in the right direction. We’ve done it all year and we’ve done it for years. Not everybody takes us up on that opportunity. It’s free. We’re just trying to make this world just a tiny bit better. Yolanda Padron: No one has the time or the money right now to reinvent the wheel, right? So I mean, it just doesn’t make sense to not collaborate. Allen Hall: I think we should discuss what will happen to all the people that have left wind this past year willingly or unwillingly. And what that means for the industry, in my opinion. Now there is more knowledge than ever walking on the streets and probably doesn’t have an NDA to tie them up. ’cause it’s been long enough that the industry hasn’t tapped into, the operators have not grabbed hold of the people who designed the blade that, uh, manufactured the blade that looked at. The LEP solutions that looked at all the bearings and all the different gear boxes that they evaluated and were involved in the testing of those [00:15:00] things. Those people are available right now and a little bit of LinkedIn shopping would give you access to, uh, really invaluable wealth of information that will make your operations work better, and you may have to be willing to pay for it a little bit. But to tap into it would save you months and months and months of time and effort and, uh, limit having to add to your engineering staff because they will work as consultants. It does seem like there’s an opportunity that maybe the operators haven’t really thought about all that much because they haven’t seen too much of it happening yet. Occasionally see the, the wise old operators being smart about this, they’ve been through these loops before and are taking advantage of it. Don’t you see? That’s like 2026 is is is the year of the consultant. I a hundred percent Joel Saxum: agree with you, Alan. Um, I saw a TEDx talk oh, years ago actually now. Uh, but it was about the, what the future of worker looks like, the future of [00:16:00] work and the future of work at that time for those people giving that TEDx talk was workers on tap. Basically consultants, right? Because you have subject matter experts that are really good at this one thing, and instead of just being that one thing good for just this one company, they’re pulling back and going, I can do this, this, this, and this for all these companies. So we have, um, we have a lot of those in the network and we’re starting to see more and more of them pop up. Um, at the same time, I think I’ve seen a couple of groups of them pop up where, uh, you didn’t have. When I look at ISPs, um, I’m always kind of like, oh man, they could do this a little bit better. They could do this a little bit better. And I, I recently heard of an ISP popping up that was a bunch of these like consultant types that got together and we’re like, you know what? We have all this knowledge of all these things. Why not make this a, a company that we can all benefit from? Um, and we can change the way some things are done in the wind industry and do it a little bit better, uh, a little bit more efficiently. Allen Hall: Does that change the way we think about technicians also. [00:17:00] We had the Danish Wind Power Academy on the podcast a couple of months ago talking about training and specific training for technicians and engineers for that matter on the turbines that are at their sites and how much productivity gain they’re getting from that. And we’ve recently talked about how do I get a 10% improvement? Where does that 10% lie? Where is that? And a lot of times we get offered the 1%, the half a percent improvement, the 10% lies in the people. If you know who to ask and you get your people spooled upright, you can make multiple percentage point changes in your operation, which improves your revenue. But I think that’s been left on the table for a long time because we’ve been in build, build, build. And now that we’re into operate, operate, operate. Do you see that shift happening? Do you see O operators starting to think about that a little bit that maybe I should train up my technicians on this? Intercon turbine Joel Saxum: that they’re not familiar with. In my [00:18:00] opinion, I think that’s gonna be a 2027 reality. Because we’re seeing this, your, your right now what? You know we have this cliff coming where we’re gonna see in, in the face of the current regulations in the US where you’re gonna see the. Development kind of slow, big time. And when that happens, then you can see the focus start to switch onto the operating assets. So I don’t think that’s a 26 thing, I think that’s a 27 thing. But the smart operators, I believe would be trying to take some of that, take control of some of that stuff. Right. Well we see this with the people that we know that do things well. Uh, the CRS team at EDF with their third party services and sala, Ken Lee, Yale, Matta, and those guys over there. They’re doing a, I don’t wanna lose any other names here, Trevor Engel. Like, I wanna make sure I get a Tyler. They’re all superstars, they’re fantastic. But what they’re doing is, is is they’re taking, they’re seeing what the future looks like and they’re taking control. I think you’ll see, you’ll, you’ll see an optimization. Um, companies that are investing in their technicians to train [00:19:00] them are going to start getting a lion’s share of the work, because this time of, oh, warm bodies, I think is, is they’re still gonna be there, right? But I think that that’s gonna hopefully become less and less. Allen Hall: Yolanda, I want to focus on the OEM in 2025, late 2025, and moving into 2026 and how they deal with the developers. Are you thinking that they’re going to basically keep the same model where a lot of developers are, uh, picking up the full service agreements or not being offered a turbine without a full service agreement? Will that continue or do you see operators realize that they probably don’t need the OEM and the historical model has been OEMs manufacture products and provide manuals in the operations people and developers read the manuals and run the turbine and only call over to the OEM when they need really severe help. Which way are we gonna go? Yolanda Padron: I think on the short term, it’ll still be very FSA focused, in my opinion, [00:20:00] mainly because a lot of these operators didn’t necessarily build out their teams, or didn’t have the, the business case wasn’t there, the business model wasn’t there. Right. To build out their internal teams to be able to, to do the maintenance on these wind turbines as much as an OEM does. Uh. However, I do think that now, as opposed to 10 years ago when some of these contracts started, they have noticed that there’s, there’s so many big things that the OEN missed or, or just, you know, worked around, uh, that really has affected the lifetime of some of these blades, some of these turbines. So I think the shift is definitely happening. Uh, you mentioned it with EDF NextEra, how, how they’re at a perfect spot to already be there. Uh, but I think at least in the US for some of these operators that are a lot [00:21:00] more FSA focused, the shift might take a couple of years, but it’s, it surely seems to be moving in that direction. Joel Saxum: So here’s a question for you, Ilana, on that, on that same line of thinking. If we, regulation wise, are looking to see a slow down in development, that would mean to me that the OEMs are gonna be clamoring for sales over the next few years. Does that give more power to the operators that are actually gonna be buying turbines in their TSA negotiations? Yolanda Padron: I think it should, right. I mean, the. If they, if they still want to continue developing some of these, it and everyone is fighting, you know, all of these big OEMs are fighting for the same contracts. There’s, there’s a lot more kind of purchase power there from, from the operators to be able [00:22:00] to, to, you know, negotiate some of these deals better. Stay away from the cookie cutter. TSA. That the OEMs might supply that are very, very shifted towards the OEM mindset. Joel Saxum: You, you’re, you’re spot on there. And if I was a developer right now, I’d be watching quarterly reports and 10 k filings and stuff at these operators to make sure, or to see when to pounce on a, on a, a turbine order, because I would wait to see when in, in the past it’s been like, Hey, if we’re, it doesn’t matter who you are, OEM, it has been like we’re at capacity and we have. Demand coming in. So we can pick and choose. Like if you don’t buy these turbines on our contract, we’ll just go to the next guy in line. They’ll buy ’em. But now if the freeboard between manufacturing and demand starts to keep having a larger delta, well then the operators will be able to go, well, if you don’t sell it to me, you’re not, there isn’t another guy behind me. So now you have to bend to what I want. And all the [00:23:00] lessons that I’ve learned in my TSA negotiations over the last 20 years. Yolanda Padron: Something relating to Alan’s point earlier, something that I think would be really, really interesting to see would be some of these developers and EPC teams looking towards some of those contract external contractor consultants that have been in the field that know exactly where the issues lie. To be able to turn that information into something valuable for an operating project that. Now we know has to operate as long as possible, Allen Hall: right? Without repower, I think two things need to happen simultaneously, and we will see if they’ll play out this way. OEMs need to focus on the quality of the product being delivered, and that will sustain a 20 year lifetime with minimal maintenance. Operators need to be more informed about how a turbine actually operates and the details of that technology so they can manage it themselves. Those two things. Are [00:24:00] almost inevitable in every industry. You see the same thing play out. There’s only two airplane companies, right? There’s Boeing and Airbus. They’re in the automobile world. There’s, it gets fewer and fewer every year until there’s a new technology leap. Wind is not gonna be any different, and I hope that happens. OEMs can make a really quality product. The question is, they’ve been so busy developing. The next turbine, the next turbine, the next turbine. That have they lost the magic of making a very, very reliable turbine? They’ll tell you, no, we know how to do it. Uh, but as Rosemary has pointed out numerous times, when you lose all your engineering talent, it gets hard to make that turbine very robust and resilient. That’s gonna be the challenge. And if the OEMs are focused on. TSAs it should be, but the full service agreements and taking care of that and managing all the people that are involved with that, it just sucks the life out of the OEMs, I think, in terms of offering the next great product. [00:25:00]Someone showed me the next GE Joel Saxum: one five. Oh, I would love to see it. Do you believe that? Okay, so I, we’ll shift gears from oe, uh, wind turbine OEMs to blade manufacturers. LM closing down shops, losing jobs, uh, TPI bankruptcy, uh, 99% of their market cap eroding in a year is there and, and, and the want for higher quality, better blades that are gonna last. Is there space, do you think there’s space for a, a blade manufacturer to come out of nowhere, or is there just someone’s gonna have to scoop some of these factories up and and optimize them, or what do you think the future looks like for blade Allen Hall: manufacturers? The future is gonna be vertically integrated, and you see it in different industries at the moment where they’re bringing in technology or manufacturing that would have typically been outsourced in the two thousands. They’re bringing it back underneath their roofs. They’re buying those companies that were vendors to them for years. The reason they’re doing that is they [00:26:00] can remove all the operational overhead. And minimize their cost to manufacture that product. But at the same time, they can have really direct oversight of the quality. And as we have seen in other industries, when you outsource a critical component, be it gear, boxes, bearings, blades, fall into that category, those are the critical items for any wind turbine. When you outsource those items and rely upon, uh, uh, companies that you don’t have direct control over, or not watching day to day, it can go awry. Management knows it, and at some point they’re willing to accept that risk. They know that the cost is right. I gotta build this, uh, turbine. I know I’m working three generations ahead, so it’s okay, I’ll, I’ll live with this for the time being, but at some point, all the staff in the OEMs needs to know what the quality component is. Is it being delivered on time? Do I have issues out in the field with it? Do I keep this supply chain? Do I, and do I build this in house blades? [00:27:00] I think eventually. Like they were years ago, were built in-house. Uh, but as they grew too quickly, I think everybody will agree to that Joel Saxum: capacity. Yeah, Allen Hall: right. They started grabbing other factories that they didn’t know a lot about, but it gave them capacity and ability able to make sales. Now they’re living with the repercussions of that. I think Siemens is the obvious one, but they’re not the only one. GE has lived through something very similar, so, uh, vertical integration is going to be the future. Before we wrap the episode, we should talk about what we’re thankful for for this year, 2025. So much has happened. We were in Australia in February, weather guard moved in April to North Carolina. We moved houses and people, and the whole organization moved from Massachusetts and North Carolina. Joel got married. Yolanda got married. We’ve been all over the world, honestly. Uh, we’ve traveled a great deal and we’re thankful for everybody that we’ve met this year, and that’s one of the pleasures of doing this podcast is I just [00:28:00] get to meet new people that are very interesting, uh, and, uh. Talk, like, what’s going on? What are you thinking? What’s happening? It just feels like we’re all connected in this weird way via this podcast, and I, I, I’m really thankful for that and my always were saying Thanks. I will go through my list. I’m thankful for my mom. I’m thankful for my wife Valerie, who pretty much runs Weather Guard, lightning Tech, and Claire, who is my daughter who does the podcast and has been the producer, she graduated this year from Boston College. With honors that happened this year. So I’m very thankful that she was able to do that. And my son Adam, who’s earning his doctorate degree out in San Diego, always thankful for him ’cause he’s a tremendous help to us. And on the engineering side, I’m thankful to everybody we have with us this year. We brought Yolanda on, so we’re obviously thankful that, uh, she was able to join us. Of course, Joel Joel’s been here a couple of years now and helping us on sales and talking to everybody [00:29:00] in the world. We’re super thankful for Joel and one of the people we don’t tell behind the who’s behind the scenes on our side is our, our, uh, manufacturing person, Tammy, um, and Leslie. They have done a tremendous job for us over the years. They don’t get a lot of accolades on the podcast, but people who receive our strike tape product, they have touched. Tammy and Leslie have touched, uh, Tammy moved down with us to North Carolina and we’re extremely grateful that she was able to do that. Another person behind the scenes for us is Diane stressing. She does her uptime tech news newsletter. So the high quality content doesn’t come from me, it comes from Diane ’cause she can write and she’s an excellent newsletter writer. She helps with a ton of our content. She’s behind the scenes and there’s a lot of people at, at, uh, weather, car Lightning Tech that are kind of behind the scenes. You don’t get to see all the time, but when you do get an email about uptime, tech news is coming from Diane. So we’re super grateful for her. We’ve been blessed this year. We [00:30:00] really have. We’ve brought on a lot of new friends and, uh, podcast has grown. Everything has done well this year, so we’re super happy. Joel, what are you thankful for? Joel Saxum: I would start it the same way. Uh, my, my new. Sorry, my new wife as of last May, Kayla, she is the, the glue that holds me together, uh, in our household together, in this kind of crazy world that we’re in, of the ups and downs and the travels and the moving and grooving. Um, she keeps, she keeps me grounded. She keeps our family grounded. So, um, uh, I, I don’t think I can thank her enough. Uh, and you know, with that being said, we are always traveling, right? We’re, we’re here, we’re there. We’re. All around the world, and I am thankful for that. Um, I’m thankful for the people that we meet while we get to travel, the cultures and the, the experiences and the people that want to share with us and the knowledge gained from, uh, the conversations, whether it be in a conference room or over a beer.[00:31:00] Um, uh, the, the people that we have, uh, grown into this uptime network and, um, I know like my personal network from the past and of course everybody that will come in the future. I think that’s where, you know, the, the, if you know me, you know that I’m very much an extrovert, uh, talking with people and, and getting those conversations gives me energy. Um, and I like to give that back as much as I can. So the, all of the people that I’ve run into over the, over the past year that have allowed me to monologue at them. Thank you. Sorry. Apologies. Um, but, uh, yeah, I mean, it’s, it’s hard to. I think this, this is a, this is always why Thanksgiving is like a six hour long thing in the United States, eight hour long thing. You have dinner at three and you hang out with your friends and family until 10, 11:00 PM because it gives you time to reflect on, um, the things that are awesome in life. Right? And we get bogged down sometimes in our, you know, in the United States. We are [00:32:00] work, work, work, work works. First kind of society. It’s the culture here. So we get bogged down sometimes in the, you know, we’re in the wind industry right now and it’s not always. Um, you know, roses and sunshine, uh, but ha having those other people around that are kind of like in the trenches with you, that’s really one thing I’m thankful for. ’cause it, it’s, it’s bright spots, right? I love getting the random phone calls throughout the day of someone sharing a piece of information or just asking how you’re doing or connecting like that. So, um, that, that would be the, the thing I’m most thankful for, and it puts it into perspective here, to a me up home in Wisconsin, or my, my not home. Home is Austin, but my original hometown of northern Wisconsin, and I’ve got to see. Quite a few of my, my high school buddies are, yeah, elementary school buddies even for that matter over the last couple weeks. And, um, that really always brings me back to, to a bit of grounding and puts, puts life in perspective. So, uh, I’m really appreciative for that as well. Yolanda, newly married as well, and welcome to the club. Yolanda Padron: Thank [00:33:00] you. Yeah, I’m really, really thankful for, for Manuel, my husband, uh, really. Really happy for our new little family. Uh, really thankful for my sisters, Yvonne and Carla and my parents. Um, my friends who I like to think of as my chosen family, especially, you know, here in Austin and then, and in El Paso. Uh, really, really thankful for, for the extended family and for, for weather card for, for this lovely opportunity to just. Learned so much. I know it’s only been almost two months, but I’ve, I’ve just learned so much of just talking to everybody in the industry and learning so much about what’s going on everywhere and just getting this, this whole new outlook on, on what the future holds and, and what exactly has happened and technology wise, and I’m thankful for [00:34:00] this year and how. How exciting everything’s going to be. So, yeah, thankful for you guys. Allen Hall: And we don’t wanna forget Rosemary and Phil, uh, they’ve been a big part of 2025. They’ve worked really hard behind the scenes and, uh, I appreciate everything they’ve done for the podcast and everything they’re doing for. Us as a company and us as people. So big shout out to Rosemary and Phil. So that’s our Thanksgiving episode. Appreciate everybody that’s joined us and has enjoyed the podcast in 2025 and will continue to in 2026. The years coming to an end. I know the Christmas holidays are upon us. I hope everybody enjoys themselves. Spend a little bit of time with your family. And with your coworkers and take a little bit of time. It’s been a pretty rough year. You’re gonna need it. And that wraps up another episode of the Uptime Winner Energy podcast, and we appreciate you joining us here today. If anything has triggered an idea or a question. As we’ve mentioned, reach out to us on LinkedIn. That’s the easiest way to get ahold of [00:35:00] us and don’t ever forget to subscribe. So click that little subscribe button so you don’t miss any of the Future Uptime podcast episodes, and we’ll catch you here next week on the Uptime Wind Energy Podcast.

Auch gegen Düsseldorf hatte der 1. FC Magdeburg das Nachsehen, sodass wir uns in Folge 386 nicht nur mit dem Spiel an sich beschäftigen, sondern auch darüber nachdenken, wie der Club jetzt eigentlich die restliche Saison und vor allem die Wintertransferperiode angehen sollte. Außerdem blicken wir auf die Partie gegen Nürnberg voraus und haben im "Sonstiges"-Segment die Themen "sicheres Stadionerlebnis" und "der FSA und der Frauenfußball" im Gepäck. Ausgabe 387 erscheint voraussichtlich am 3.12.2025.

On episode 531 of The Nurse Keith Show nursing and healthcare career podcast, Keith interviews Danine Bitting, RN, RAC-CT, a Clinical Compliance Specialist with Friends Services Alliance Compliance Collaborative, and Maria Kiwagama, MSN/MHA, CDP, CNDLTC, the Director of Nursing of Barclay Friends' Continuing Care Retirement Community in West Chester, PA. In the course of their conversation, Keith and his guests discuss the Friends Services Alliance Compliance Collaborative's program that supports and mentors Directors of Nursing of skilled nursing and long-term care facilities in order to assure their success as leaders, not to mention the ultimate success of the facilities which they helm. Danine Bitting is a Clinical Compliance Specialist with Friends Services Alliance Compliance Collaborative (FSA), in Blue Bell, Pennsylvania. FSA provides a spectrum of services for the nonprofit senior living industry. Danine has over 25 years of experience in long-term care, with a strong focus on enhancing the quality of life for residents and driving meaningful change in clinical systems. As a former Director of Nursing, Danine led two 5-STAR, non-profit facilities with goals to improve resident life and care via Person Centered Care and developing realistic systems. Danine has worked closely with two hospital networks in the Preferred Provider Network (PPN) to improve resident care following hospitalization and reduce re-hospitalizations.  Maria Kiwagama is a seasoned nursing professional with over a decade of experience in clinical management, quality improvement, and nursing education. She currently serves as the Director of Nursing at Barclay Friends, a not-for-profit Kendal Affiliate that provides compassionate, home-like care for older adults. In her role, Maria oversees nursing operations across Barclay Friends' Continuing Care Retirement Community, which includes two long-term care units, two memory care units, and a Personal Care unit. She is responsible for ensuring high-quality resident care, regulatory compliance, and effective coordination of the nursing staff within the skilled nursing department. Before joining Barclay Friends, Maria spent six years at Waverly Heights, a Life Plan Community in Gladwyne, Pennsylvania, where she held roles as Nurse Manager and RN-Assessment Coordinator. She is a Certified Dementia Practitioner and holds additional certifications in Wound Care and Infection Control and Prevention. Maria recently earned a dual master's degree in Nursing Leadership and Healthcare Administration and is currently completing an Administrator in Training (AIT) program, further strengthening her leadership in long-term care. Connect with Friends Services Alliance and Barclay Friends: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Friends Services Alliance FSA on LinkedIn Barclay Friends Continuing Care Barclay Friends on Facebook Barclay Friends on LinkedIn Barclay Friends on Instagram Contact Nurse Keith about holistic career coaching to elevate your nursing and healthcare career at ⁠⁠⁠⁠NurseKeith.com⁠⁠⁠⁠. Keith also offers services as a motivational and keynote speaker and freelance nurse writer. You can always find Keith on⁠⁠⁠⁠ LinkedIn⁠⁠⁠⁠. Are you looking for a novel way to empower your career and move forward in life? Keith's wife, Shada McKenzie, is a gifted astrologer and reader of the tarot who combines ancient and modern techniques to provide valuable insights into your motivations, aspirations, and life trajectory, and she offers listeners of The Nurse Keith Show a 10% discount on their first consultation. Contact Shada at ⁠⁠⁠⁠TheCircelandtheDot.com ⁠⁠⁠⁠or shada@thecircleandthedot.com.

SPONSOR: BRUNT WORKWEAR - When you’re on your feet all day, the wrong boots can ruin everything — Which is why BRUNT Workwear stands out. Their boots are built tough, but comfortable. No stiff leather, no painful break in period, they feel ready for a full shift on day one. BRUNT was created by someone who actually worked in the trades, who knew the big legacy brands weren’t listening anymore. If you’re shopping for someone who works hard, these are the gifts they’ll actually use. BRUNT is releasing limited-edition styles all month long — once they sell out, they’re gone — and they’ve got everything from heavy - duty pants to incredibly comfortable hoodies built to take a beating. Best of all, there’s zero risk. If they’re not a fit, BRUNT will take them back. With temps dropping and holidays coming up, it’s time to treat yourself or the hard-working man in your life to real comfort. Skip the throwaway gifts and get him something built to last: Brunt workwear. Our listeners get $10 off their entire order with code “RICK” at checkout. That’s https://www.BRUNTWORKWEAR.COM , and use code “RICK”. Order today and let them know you heard it here on the show! - https://www.BRUNTWORKWEAR.COM SPONSOR: RELIEFBAND - Nausea can wreck your entire day. Reliefband is the device that actually stops it. It’s FDA-cleared, clinically proven, totally drug-free, and non-drowsy. It works by sending gentle pulses to the wrist that calm the nerves in your stomach, and you can adjust the intensity depending on how you feel.There are two versions. The Reliefband Sport is sleek, rechargeable, and water-resistant. The Reliefband Flex is lighter, great for daily wear, and uses a swappable battery so you’re never caught without power. What makes Reliefband so useful is how quickly it works. If you’ve been waiting to try Reliefband, this is the time! The Black Friday and Cyber Monday deals run through the end of November, and you can save up to 30% sitewide! Reliefband’s Sport and Flex models make amazing gifts for anyone who deals with nausea, and with the extended return window through January 1, you can shop early and stress-free. Reliefband is also FSA and HAS eligible, so it’s a great way to use those end-of-year dollars on something that really works. Go to https://www.Reliefband.com to shop the Black Friday and Cyber Monday sale, and save up to 30% off sitewide. -- https://www.Reliefband.comSPONSOR: BLAZETV -- BlazeTV doesn’t exist without people like you, who genuinely care about preserving honest conversation in this country. You’ve seen what’s happening on the right: the gatekeeping, the approved narratives, the pressure for everyone to fall in line. That’s not who we are. We’re not bound to talking points or beholden to anyone’s agenda. We don’t have to check our convictions with a corporate sponsor before we speak. We show up with one thing: the freedom to tell the truth as we see it. And that freedom only exists because of BlazeTV subscribers. Once a year, we lower the barrier for people who want to be part of this movement, people who refuse to sit on the sidelines. Right now, for Black Friday only, you can get $40 off a BlazeTV annual subscription. If you’ve been on the fence, this is the moment. Not because of a discount, but because your subscription actually keeps independent voices alive, voices that aren’t controlled by Big Tech, advertisers, or political gatekeepers. You make it possible for us to keep fighting, creating, and telling the truth without compromise. If you believe America is still worth fighting for, this is your moment to join the fight. And if you’re already a subscriber, THANK YOU. You make all of this possible. to someone who needs a space free from filtered, “approved” opinions.Thank you so much for watching and continuing to support the movement that we’re building together. Go to https://www.BlazeTV.com/RICK and use code BLACKFRIDAY40 to grab our Black Friday savings while it’s still here. That’s https://www.BlazeTV.com/RICK , code BLACKFRIDAY40. -- https://www.BlazeTV.com/RICKSee omnystudio.com/listener for privacy information.

SPONSOR: BRUNT WORKWEAR - When you’re on your feet all day, the wrong boots can ruin everything — Which is why BRUNT Workwear stands out. Their boots are built tough, but comfortable. No stiff leather, no painful break in period, they feel ready for a full shift on day one. BRUNT was created by someone who actually worked in the trades, who knew the big legacy brands weren’t listening anymore. If you’re shopping for someone who works hard, these are the gifts they’ll actually use. BRUNT is releasing limited-edition styles all month long — once they sell out, they’re gone — and they’ve got everything from heavy - duty pants to incredibly comfortable hoodies built to take a beating. Best of all, there’s zero risk. If they’re not a fit, BRUNT will take them back. With temps dropping and holidays coming up, it’s time to treat yourself or the hard-working man in your life to real comfort. Skip the throwaway gifts and get him something built to last: Brunt workwear. Our listeners get $10 off their entire order with code “RICK” at checkout. That’s https://www.BRUNTWORKWEAR.COM , and use code “RICK”. Order today and let them know you heard it here on the show! - https://www.BRUNTWORKWEAR.COM SPONSOR: RELIEFBAND - Nausea can wreck your entire day. Reliefband is the device that actually stops it. It’s FDA-cleared, clinically proven, totally drug-free, and non-drowsy. It works by sending gentle pulses to the wrist that calm the nerves in your stomach, and you can adjust the intensity depending on how you feel.There are two versions. The Reliefband Sport is sleek, rechargeable, and water-resistant. The Reliefband Flex is lighter, great for daily wear, and uses a swappable battery so you’re never caught without power. What makes Reliefband so useful is how quickly it works. If you’ve been waiting to try Reliefband, this is the time! The Black Friday and Cyber Monday deals run through the end of November, and you can save up to 30% sitewide! Reliefband’s Sport and Flex models make amazing gifts for anyone who deals with nausea, and with the extended return window through January 1, you can shop early and stress-free. Reliefband is also FSA and HAS eligible, so it’s a great way to use those end-of-year dollars on something that really works. Go to https://www.Reliefband.com to shop the Black Friday and Cyber Monday sale, and save up to 30% off sitewide. -- https://www.Reliefband.comSPONSOR: BLAZETV -- BlazeTV doesn’t exist without people like you, who genuinely care about preserving honest conversation in this country. You’ve seen what’s happening on the right: the gatekeeping, the approved narratives, the pressure for everyone to fall in line. That’s not who we are. We’re not bound to talking points or beholden to anyone’s agenda. We don’t have to check our convictions with a corporate sponsor before we speak. We show up with one thing: the freedom to tell the truth as we see it. And that freedom only exists because of BlazeTV subscribers. Once a year, we lower the barrier for people who want to be part of this movement, people who refuse to sit on the sidelines. Right now, for Black Friday only, you can get $40 off a BlazeTV annual subscription. If you’ve been on the fence, this is the moment. Not because of a discount, but because your subscription actually keeps independent voices alive, voices that aren’t controlled by Big Tech, advertisers, or political gatekeepers. You make it possible for us to keep fighting, creating, and telling the truth without compromise. If you believe America is still worth fighting for, this is your moment to join the fight. And if you’re already a subscriber, THANK YOU. You make all of this possible. to someone who needs a space free from filtered, “approved” opinions.Thank you so much for watching and continuing to support the movement that we’re building together. Go to https://www.BlazeTV.com/RICK and use code BLACKFRIDAY40 to grab our Black Friday savings while it’s still here. That’s https://www.BlazeTV.com/RICK , code BLACKFRIDAY40. -- https://www.BlazeTV.com/RICKSee omnystudio.com/listener for privacy information.

Mo and Robbo pick the bones out of yet another Liverpool defeat, including the growing pressure on Arne Slot, and also talk about the new FSA campaign fighting for football fans across the country.You can support us financially to keep the show going in two ways, either: 1. By subscribing to our Patreon show for as little as £1 per week. Just click this link and the "Join For Free" button to get a 7 day free trial that you can cancel easily at any time after watching over 40 subscriber shows: https://www.patreon.com/TheLateChallengePodcast 2. If you don't want to subscribe, you can make a one off contribution to support the show by clicking this link: https://www.buymeacoffee.com/thelatechallenge We appreciate any support, no matter how big or small, and we also appreciate that times are tough for many people so if you can't afford to support the show financially we completely understand. If you'd like to help us in another way, please like our videos, subscribe to the YouTube channel and share the podcast with your friends and family.

With the 2025 hurricane season nearly complete, it appears the East Coast, especially the Southeast, escaped the impact of a landfalling hurricane for the first time in a decade, and in a move aimed at easing frustration among producers, the USDA reopens approximately 2,100 Farm Service Agency county offices.

California cling peach growers face an uncertain future after long-term contracts worth more than a half-billion dollars were voided by Del Monte Foods, and in a move aimed at easing frustration among producers, the USDA reopens approximately 2,100 Farm Service Agency county offices.

It's that special, magical time of the year! Sure, Thanksgiving, Christmas, New Year's … those are great. But we're talking about getting ready for the 2025 tax season! CPA Lori Larson offers five quick-hit tips for individuals and businesses so you can plan ahead now without having to add any extra stress to your holiday season. So, listen in to learn more! IRS Tax Withholding Estimator Retirement plan and IRA required minimum distributions FAQs Eligible FSA Expenses HSA, HRA, healthcare FSA and dependent care eligibility list GAAP Episode 019 – Profit Is A Good Thing

This week's Ask Farnoosh pulls together some of the most revealing financial stories of the week, grom pandemic-era homebuyers now feeling “locked in” by their ultra-low mortgage rates, to Gen Z putting marriage, kids, and career plans on hold until they can afford a home. Farnoosh also breaks down an under-the-radar proposal from the CFPB that could weaken anti-discrimination protections in lending, a shift that could impact mortgages, auto loans, credit cards, and small-business financing.Then, she heads to the mailbag to answer listener questions:Should you borrow more on a home-equity loan to protect your savings during a renovation?How can a self-employed spouse take full advantage of a healthcare FSA?What exactly is the IRS “contract” that lets you withdraw from retirement accounts early? (Hint: SEPP/72(t) and the Rule of 55.)And if you've bought a home for your parents, are you putting your own retirement at risk? Hosted on Acast. See acast.com/privacy for more information.

A lively Friday Q&A episode tackling listener questions about FSAs vs. 401(k) contributions, BND vs. BKAG bond funds, intermediate-term bonds vs. CD ladders, Avantis fund-of-funds fees and structure, and the financial implications of New York City's newly elected socialist mayor. The show blends practical investing guidance with jokes about annuity-salesperson Halloween costumes and a detour into political fears vs. economic realities. 0:04 Opening, Friday Q&A setup, thanks to Tom's grandkids 0:44 Listener FSA dilemma and choosing between FSA funding or 401k 3:01 Why FSAs are painful and why a 401k wins when choosing one or the other 5:57 Comparing BND and BKAG bond funds, holdings, universe, credit quality 9:01 Listener joke: “scariest Halloween costume is an annuity salesperson” 9:55 Moving CD-ladder money to VGIT or BIV; differences and trade-offs 12:22 Thoughts on iShares LifePath target-date ETF (ITDC) 12:33 Why Avantis fund-of-funds exist and whether you pay double fees 15:36 Underlying fund costs inside AVGE and how the total expense ratio works 16:21 Question about NYC's new socialist mayor and financial impact fears 17:54 Walking through political fears vs. practical economic reality 21:55 Why one politician can't radically reshape a city's economic fate Learn more about your ad choices. Visit megaphone.fm/adchoices

Death Loss in the Cattle Feeding Industry Kansas Farm Service Agency is Back Open Building Resilient Gardens   00:01:05 – Death Loss in the Cattle Feeding Industry: Beginning today's show is K-State Extension beef specialist Justin Waggoner as he explains how death loss in the cattle feeding industry has changed in the past 30 years and what might be contributing to the losses.   00:12:05 – Kansas Farm Service Agency is Back Open: David Schemm, Kansas Farm Service Agency State executive director, continues today's show as he provides an update on FSA programs and how they are working to continue serving producers.  Farmers.gov Service Center Locator Important Information for Kansas Farmers on the Hansen Muelle Co. Bankruptcy Filing   00:23:05 – Building Resilient Gardens: Reno County Extension horticulture agent, Pam Paulsen, ends the show discussing methods for building gardens that are resilient to tough growing conditions. This was the topic for the November K-State Garden Hour.       Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Agricultural Experiment Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit www.ksre.ksu.edu. K-State Extension is an equal opportunity provider and employer.

In this episode of the Society of Actuaries Research Insights Podcast, Dale Hall, Managing Director of Research at the Society of Actuaries, explores the 2019 Individual Life Insurance Mortality Experience Report with two expert guests: Jim Toole, FSA, CERA, MAAA, Chief Luminary at Aurora Actuarial, and Philip Adams, FSA, CERA, MAAA, Senior Experience Studies Actuary at the SOA Research Institute. They discuss the significant shifts in mortality trends from 2012 through 2019, including the dominance of level premium term insurance, the introduction of expanded preferred underwriting classes, and the increase in older age issue ages. The conversation also highlights the transition of data collection from MIB to the NAIC, and how predictive analytics like boosted decision trees and vine copulas were leveraged for data validation and insights. Actuaries will find insights into how these findings can support pricing, reserving, and risk management efforts, along with resources such as Tableau dashboards and downloadable text files that make data analysis more accessible. With post-2019 data expected soon, this episode offers timely reflections on the evolving landscape of individual life insurance mortality. Access the report and related materials by visiting the SOA website at:  https://www.soa.org/resources/research-reports/2024/ilec-mort-2012-19/

As the year comes to a close, it's time to make sure your finances are in order before December 31st. In this episode, we go over a practical year-end checklist designed specifically for physicians to help you save money, reduce taxes, and start the new year on solid financial footing. We'll cover:How to maximize retirement contributions and employer matchesSmart ways to use your CME funds and professional allowances before they expireTax strategies to consider before year-end, including charitable giving and tax-loss harvestingWhat to check with your HSA, FSA, and dependent care accountsReviewing your investments, insurance coverage, and financial goals for the new year This episode will help you finish the year strong—organized, confident, and ready to make the most of your money in the year ahead.Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching . You can learn more about Elisa at her website or follow her on social media. Website: https://ww.GrowYourWealthyMindset.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

Time's running out on 2025, and there are critical financial moves you need to make before December 31st. In this episode of the BiggerPockets Money podcast, Mindy and Scott walk you through the essential year-end tasks that could save you thousands of dollars and keep your FIRE goals on track. These aren't just suggestions—they're time-sensitive opportunities that literally disappear when the calendar flips to January 1st. Whether you're aggressively pursuing financial independence or simply want to optimize your money, ignoring these year-end deadlines could cost you big. The good news? Most of these tasks take less than an hour to complete, and the payoff can be substantial. In this episode, you'll discover: How to maximize your tax-advantaged retirement accounts before contribution deadlines Why you need to spend every dollar in your FSA or lose it forever Tax-loss harvesting strategies to offset gains and reduce your tax bill Strategic charitable giving tactics that benefit both you and your favorite causes When and how to rebalance your investment portfolio for optimal performance Critical Roth conversion considerations before year-end HSA contribution limits and why maxing out matters for FIRE Required minimum distribution rules you can't ignore How to bunch deductions to maximize tax benefits The BiggerPockets Money End of Year Checklist And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Open Enrollment season is here—and it's one of the most overlooked financial opportunities employees have all year. In this episode, we break down the biggest mistakes people make when reviewing their employer benefits and how to approach your plan as if you were a brand-new hire. Richard Rosso & Jonathan McCarty tackle the smart way to choose health insurance, whether young workers really need life insurance, and which "it'll never happen to me" benefits can make or break your financial stability. We'll also explore where employer benefits are heading in 2025—what companies are offering, what employees actually want, and how to make sure you're getting the most value out of your compensation package. Whether you're picking between an HSA or PPO, weighing disability coverage, or wondering if the "fun stuff" like wellness perks and lifestyle accounts are worth it—this guide helps you optimize your choices and avoid costly mistakes. 0:00 - INTRO 0:19 - Pennies are Going Away 5:02 - Open Enrollment Season is Here 7:40 - ADP Benefits Survey Results 13:04 - Understanding the Difference Between HSA vs FSA 17:40 - Retirement Savings Plans - Roth vs 401k 14:58 - Group Health Insurance vs ACA 21:40 - Mental Health Coverage 23:26 - Dental & Vision Coverage Options 27:13 - Don't Be Complacent 27:55 - On-site Facilities - Wellness & Day Care 29:57 - Disability Coverage - Max It Out 32:10 - Life Insurance Coverages 34:08 - How Kids Age Us 37:22 - Childcare Benefits

This podcast episode features Dave Friesen and Tom Callahan discussing the collaboration between actuaries and data scientists. Tom is an Actuary who works extensively with data scientists, and Dave is a data scientist who works with Actuaries, making them a great combo for the topic.   Dave highlighted the operational focus of data science in improving workflows and customer experience, while Tom emphasized the financial impact focus of actuaries. They both agreed on the importance of clear communication and common terminology to bridge gaps between the two fields. They also shared examples of successful collaborations and the benefits of using modern data platforms and tools.  Contributors: Tom Callahan, FSA, MAAA; Dave Friesen; Joe Long, ASA, MAAA; Jon Forster, ASA, MAAA

In this episode, FSA welcomes back Congresswoman Laurel Lee, who proudly represents Florida's 15th Congressional District, encompassing eastern Hillsborough County and parts of Pasco and Polk counties. Congresswoman Lee provides an update on her impactful public safety work in the U.S. House of Representatives, including the progress she is making with her colleagues on the House Judiciary Committee to address threats at home and abroad. She also reflects on her service as Florida's 36th Secretary of State under the DeSantis Administration and how Florida is the top of the class for effective and efficient voting standards. 

What if the support you need during pregnancy and postpartum is already available... You just haven't been shown how to access it?! In this episode of Chick Chat, Nina sits down with Pachet Bryant, Founder of MINE Maternity and Pregnancy/Postpartum Care Coordinator, to explore how families can actually afford the care they need and deserve. From insurance benefits and HSA/FSA funds to employer perks and nonprofit programs, this conversation breaks down the exact tools that can help you plan ahead, reduce financial stress, and receive more comprehensive support during this transformative time. You'll learn:

In this episode we look back on the 2-2 draw with Sunderland on Saturday evening. Arsenal fell behind in a scrappy first half, but goals from Bukayo Saka and Leandro Trossard put us ahead before the home side grabbed a late equaliser. We discuss the goals we scored, but particularly the ones we conceded, as they have been so rare of late. For once the defending was found wanting, but could Mikel Arteta have done more with his bench, making just one very late change to try and hold onto the lead. We look at this draw in the context of where we are in the table and what the team has done recently, before answering listener questions about a title race with Man City, Eberechi Eze, which injured players we're most looking forward to having back, Ben White's lack of game time, some 666 related evil, and lots more.Vote for Arseblog in the Best Fan Media category for the FSA awards 2025: https://www.surveymonkey.com/r/fsa-awards-2025Get extra bonus content and help support Arseblog by becoming an Arseblog Member on Patreon: https://www.patreon.com/arseblog Hosted on Acast. See acast.com/privacy for more information.

In this week's Market Outlook, Andy Hruby sits down with Jarod Creed to break down the November 10–14 outlook. They discuss how post-harvest numbers and current insurance prices are shaping farm revenue strategies, why crop insurance and FSA programs could matter more for 2026 than 2025, and what producers should do now to plan for shifting cash flow timing. Jarod also shares insights on the soybean rally, corn's stubborn range, and how global trade dynamics with China may drive volatility heading into 2025.

Learn how to pick dental, vision, life, and disability coverage with confidence, and when refinancing a home can actually save you money. Is now a good time to refinance your mortgage? Which open enrollment benefits are worth it this year? Hosts Sean Pyles and Elizabeth Ayoola talk to an expert about the ins and outs of open enrollment in 2026. But first, news Nerd Anna Helhoski joins them to share her conversation with NerdWallet mortgage writer Holden Lewis about falling mortgage rates and what they mean for buyers, sellers, and homeowners. They begin with a discussion of refinancing and today's housing market, with tips and tricks on using a refinance calculator, how much of a rate cut to target, weighing closing costs and the break-even timeline, and other smart reasons to refi. Then, benefits expert April Brasher, knowledge advisor at the Society for Human Resource Management (SHRM), joins Sean and Elizabeth to discuss open enrollment choices beyond health insurance. They discuss what dental and vision plans usually cover and what they don't, how and when to add to group life insurance provided by some workplaces, and how disability insurance works. They also discuss when accidental death and dismemberment (AD&D), hospital indemnity, and critical illness policies can make sense, how to avoid being over-insured, and why taking a quick personal and financial inventory before enrollment deadlines helps you choose only what you need. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: mortgage rates, refinance mortgage, refinance break-even, FHA mortgage insurance, remove FHA MIP, conventional vs FHA loan, housing market outlook, best time to buy a house, home buying season, mortgage closing costs, homeowners insurance shopping, lower mortgage payment, Fed rate cuts, housing inventory, open enrollment, dental insurance, vision insurance, life insurance through employer, supplemental life insurance, beneficiary designation, evidence of insurability, AD&D insurance, disability insurance, short-term disability, long-term disability, own occupation vs any occupation, hospital indemnity insurance, critical illness insurance, high deductible health plan, and limited purpose FSA. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

The federal government remains shutdown, and Wisconsin farmers are left without many of the tools they count on at this time of the year. Stephanie Hoff takes a closer look at how private businesses are trying to work through the situation. Rene Johnson, senior vice president of ag lending at Lake Ridge Bank and Jessica Sarbacker, vice president of crop insurance at Lake Ridge Bank are two trying to work through these processes. They sayas of Oct. 23, about 2,100 FSA offices reopened nationwide with limited hours (8–4:30) and only two staff per office, focusing on processing ARC/PLC and disaster relief payments. Many beginning farmers rely on the Farm Service Agency for financing, especially those with limited access to commercial credit or bank loans. Joint lending relationships between FSA and local lenders are common, helping new farmers secure funding. On the crop side, most (nearly all) farmers participate with FSA, reporting their planted acres and enrolling in federal programs. Farmers must report fall-planted crops like wheat, cover crops, and alfalfa by the Nov. 15 deadline, which aligns with the crop insurance deadline. Due to limited staffing and backlogs at FSA offices, it’s unlikely farmers will meet the Nov. 15 reporting deadline, prompting expectations of a possible extension. However, crop insurance deadlines typically are not extended, creating pressure for farmers to submit acreage information on time. The two say that the fall season brings peak financial pressure as farmers face high input costs, low commodity prices, and upcoming land rent, loan, and equipment payments, areas where FSA payments can provide crucial relief. Definitely cooler weather today for Wisconsin with a lot of overcast skies. Stu Muck says there is a chance you could see some snowflakes by the weekend. How comfortable are you with foreign ownership of Wisconsin farmland? That's a question that the Assembly Agriculture Committee's been discussing for several sessions. Now the chair of the committee says they're close to verbage they believe could pass. Travis Tranel, chair, says they put an emphasis on the value of private property rights in the U.S. versus the foreign adversaries they're working to keep out. Weather has cooperated with the fall harvest, allowing farms to get ahead on manure management and fall tillage. If you're tempted to try and apply some nitrogen this fall, think again. That's the advice of Dan Smith, UW-Extension Nutrient and Pest Management Program Manager. He says that normally nitrogen is applied in the spring to eliminate the risk of loss. Still, if weather allows and growers want to do it, he advises that you apply fall nitrogen after soil temperatures dip below 50 degrees. Where is the holiday demand for dairy? Zach Bauers, dairy analyst with EverAg picks up on that conversation with Pam Jahnke. Bauers says without the federal government supplying information, it's tough to know. Now Bauers says it'll be about information management since USDA has announced it will begin releasing delayed reports this week. How will the market manage that "information dump"?See omnystudio.com/listener for privacy information.

For the most part, FSAs are a “use it or lose it” deal. In this episode, Art unpacks how flexible spending accounts work, the mistakes that could cost you money, and some surprising purchases that qualify for FSA dollars. Don't let that money disappear—put it to good use before the year ends!Resources: 8 Money MilestonesChristian Money HelpAsk a Money Question!

Host and American Family Farmer, Doug Stephan www.eastleighfarm.com shares the biggest news affecting family farmers, starting off with the latest from the Trump Administration's promise of a a bailout for farmers, and now time is running out.  Crop prices continue to fall below the cost of production. Perhaps that doesn't hold true for corn, but other crops, especially dairy.  In addition, the FSA offices reopened after 3.5 weeks without any money, during harvest season when farmers needed those funds the most. Next up, a focus on the tariffs, tariff revenue, and those employed by the Department of Agriculture performing their jobs without paychecks. Lastly, Doug opines how we're devouring farmland in our country and why we are doing so, without a comprehensive balanced strategy to take care of data centers or solar properties. As Doug is in the process of adding solar farming to his operations, he's finding the whole ordeal to be a monopoly and a mess.  Website: AmericanFamilyFarmerShow.com Social Media: @GoodDayNetworks

On this episode of Federal Prison Authority Presents: Around the Block, Bruce and Susan open the episode on a slightly different note. They explore the topic of client self-efficacy, which is a form of client empowerment. There are numerous people involved and countless moving parts in the Federal Prison System, and Bruce and Susan explore how keeping the client educated and empowered is essential. However, they do examine the limitations of what clients can and can't do within the system. Susan shares a story of a client who was able to speed up the process by educating themselves and not relying solely on others. After exploring what a client can do, Susan shifts to discussing what impacts eligibility and pursuing remedies towards the end of the program. Please feel free to send questions to Bruce and Susan. Dr. Susan Giddings can be found on their shared website https://federalprisonauthority.com/who-we-are/ Bruce through his cell (214) 431-2032, and their First Step Act Book on Amazon: https://a.co/d/2dWCECE

Welcome back to today's Friday Review where I'll be breaking down the best of the week! I'll be sharing specifics on these topics: FSA & HSA Payments for Equilife Headache Hat (product review) Sleep & Cardiovascular Health (research) Clay Therapy & Depression (research) For all the details tune in to today's Cabral Concept 3556 – Enjoy the show and let me know what you thought! - - - For Everything Mentioned In Today's Show: StephenCabral.com/3556 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!

Each year, Americans contribute over $100 billion to flexible spending accounts (FSAs) and health savings accounts (HSAs) for healthcare expenses. However, the “use it or lose it” rule for FSAs results in nearly half of Americans missing out.    Tune in for Optometrist Dr. Aaron Luekenga who is here to share with us helpful tips and suggestions on maximizing the benefits of an FSA or HSA.Moments with Marianne Radio Show airs in the Southern California area on KMET1490AM & 98.1 FM, an ABC Talk News Radio Affiliate! https://www.kmet1490am.comAaron M. Luekenga, OD, is an optometrist at Heritage Valley Eye Care Optometric Center in Fillmore, CA. He received his BS from Brigham Young University and his OD from Southern California College of Optometry. Dr. Luekenga began his clinical work with the U.S. Navy, serving as an officer and treating F18 fighter pilots, their crew, and families. He received specialty training in treating ocular trauma, eye diseases, and laser eye surgery. His clinical interests include ocular diseases, family practice eye care, contact lenses, and dry eye treatment. Dr. Luekenga joined Heritage Valley Eye Care in 2005. He is a Key Advisor to PERC. Dr. Luekenga has been consulting for Alcon since 2019. www.wrappedincomfort.netFor more show information visit: https://www.mariannepestana.com/

As farmers wrap up harvest and turn their attention to next year, many are finding themselves navigating extra challenges at their local Farm Service Agency offices. FSA plays a critical role for farmers, who rely on the agency for credit and crop reporting. Today, we visit with Lake Ridge Bank’s Senior Vice President of Agriculture Lending, Rene Johnson, and Vice President of Crop Insurance Jessica Sarbacker about the situation. FSA offices only recently reopened after closures, and limited staff are on hand. Rene and Jessica explain that this makes meeting key deadlines like the Nov. 15 crop reporting and crop insurance cutoff tricky during a time of peak financial pressure for farmers. They remind listeners to have patience and schedule an appointment with your local FSA office as they help farmers navigate the busy season with limited personnel.See omnystudio.com/listener for privacy information.

In this week's episode of Federal Prison Authority Presents: Around the Block, Bruce and Susan begin by discussing the story of Todd Crisley, who has navigated the federal prison system and is now an advocate for families and inmates. He has been featured on podcasts discussing his story and how he came to do the work he does today. Bruce and Susan also delve into recent updates to the FSA and home confinement, examining the BOP's new video on the FSA calculation process. Towards the end of the show, Susan reviews a new article released by the director of the FSA about classification practices, which aims to assist both staff and inmates within the system. This episode highlights the benefits that come with the change in the FSA and also raises additional topics that warrant further exploration in the future. Please feel free to send questions to Bruce and Susan. Dr. Susan Giddings can be found on their shared website https://federalprisonauthority.com/who-we-are/ Bruce through his cell (214) 431-2032, and their First Step Act Book on Amazon: https://a.co/d/2dWCECE

HT2422 - They All Come from Projects What most of us tend to show matted, framed, and hanging in a place of importance in our home are the very best images we've created. But where do these come from? My observation is that most of those super winners rise from the midst of a project and become super winners due to actions beyond our control. For example, Dorothea Lange made lots of pictures for the FSA, but Migrant Mother rose from the crowd to become iconic. Show your appreciation for our free weekly Podcast and our free daily Here's a Thought… with a donation Thanks!

In this week's Ag Tribes Report, host Vance Crowe is joined by dairy farmer and Bitcoiner JR Burdick for a fast-paced tour through the biggest stories shaping agriculture. They unpack President Trump's viral post urging ranchers to lower beef prices and the backlash from cattle producers who point to low herd size, packer settlements, and market volatility driven by political posts. Then they dig into the looming SNAP crunch amid the government shutdown, how an AWS outage jammed up harvest logistics and farmgate payments, and the partial reopening of FSA offices to process $3B in producer payments—plus the real-world cash flow pinch for beginning farmers. JR also delivers the Bitcoin Land Price Report, shares why he's bullish on both land and Bitcoin, and explains practical resiliency lessons from a payments outage. We close with his Peter Thiel paradox—Gen Z's push to rebuild rural “place” over “career”—and a candid look at rebuilding community, selling raw milk and pastured pork, and accepting Bitcoin on the farm. JR's farm: nourishingfamilyfarm.com and @jrcowfarmer on X.Legacy Interviews - A service that records individuals and couples telling their life stories so that future generations can know their family history. https://www.legacyinterviews.com/experienceRiver.com - Invest in Bitcoin with Confidence https://river.com/signup?r=OAB5SKTPPurchase Bitcoin on River to support the show: https://river.com/invite?r=OAB5SKTP

Jim Wiesemeyer of Wiesemeyer's Perspectives podcast and Randy Russell of The Russell Group join the Friday Free-for-all this week. Topics include the governments shutdown, President Trump and the cattle market, trade meeting off with Canada/on with China, FSA offices open, Argentine beef and more.See omnystudio.com/listener for privacy information.

Tyne Morgan hosts AgDay: The Ag Secretary announces FSA offices will reopen despite the government shutdown. We have an update on what will be available for producers. Plus, the cattle industry continues to react to President Trump's plan to import beef from Argentina. See omnystudio.com/listener for privacy information.

U.S. Senator Jerry Moran of Kansas joins us to discuss the opening of FSA offices, his meeting this morning with USTR Ambassador Jamieson Greer, and his message to U.S. beef producers. Phil Flynn of The Price Futures Group talks about energy markets including bulging supplies of crude oil. And we have a Farmer Forum with Chad Leman of Illinois and Chase Dewitz of North Dakota.See omnystudio.com/listener for privacy information.

*The cattle industry has a beef with President Trump. *Senate majority leader John Thune is asking the White House to open FSA offices during the government shutdown. *The Amarillo Farm & Ranch show will be held December 2nd through the 4th. *Sorghum was a good crop on the Texas High Plains this year.*A firefighter and agricultural safety program is coming to East Texas.  *Ag groups are not happy with President Trump's proposal to buy more beef from Argentina.  *West Texas cotton producers are defoliating fields to prepare for harvest.*Steaming hay is recommended for horses with asthma, but it may not be effective.

Open Enrollment Reactivation: How Clinics Turn Past Patients into Six-Figure Months (with Jeremy Dupont) In this episode, Doc Danny Matta sits down with Jeremy Dupont (founder of Patch) to break down the most reliable campaign in cash PT: Open Enrollment. They cover simple and advanced playbooks for reactivating past patients, the offers that convert (and why), how to mobilize your team, and what realistic results look like for a growing clinic. Quick Ask Help us move toward our mission of adding $1B in cash-based services to physical therapy—share this episode with a clinician friend or post it on your Instagram stories and tag Danny. He'll reshare it! Episode Summary Low-hanging fruit: Reactivation beats cold lead gen. Past patients already know, like, and trust you—bring them back with a clear, time-bound offer. Timing that works: Run Open Enrollment mid-September to early November to avoid competing with Black Friday and holiday noise. Proven offers: Classic 12 for 10 pack (two “free” visits or a clear $-savings) and a higher-commitment 24 for 20 pack (often on a 3-pay plan) to grow LTV and stabilize MRR. Clinical cadence: Frame packages for twice-monthly visits (habit & outcomes), not “stretch it for a year.” Families often share bigger packs. FSA nudge: “Use it or lose it.” Encourage spending FSA dollars before year-end; HSA rolls, FSA often doesn't. Manual > fancy: Individual reach-outs (text, call, in-person) outperform gimmicks. Emails nurture; humans convert. Team power: Involve providers in personalized follow-ups. Incentives like a Christmas week off can crush goals. Results you can expect: A clinic with an owner + two staff PTs commonly sells 20–30 packages when they execute well. Lessons & Takeaways Offer clarity wins: Know exactly what you're selling and how you'll message savings and value. Context is king: Choose channels and scope based on capacity. Don't flood a full schedule. Nurture all year: A warm list responds; a cold list ignores asks. Give value before you ask. Plan the calendar: Open Enrollment → Black Friday → Holidays → New Year. Map campaigns, staffing, and hiring to demand. Mindset & Motivation It's an ecosystem: Reactivation is part of your hiring, space, continuity, and cashflow strategy—not a one-off promo. Follow-up is a skill: Segmented, human follow-up turns “maybe later” into revenue now. Give, give, ask: Consistent education builds reciprocity. Then earn the right to sell. What Works (Tactical) Simple path (solo or lean): Pick one clear offer (12 for 10), email your list, text/call past patients, and have providers invite current patients who are nearly out of visits. Advanced path (bigger teams): 5–6 email drip over 2–3 weeks, landing page specific to Open Enrollment (not your contact page), track opens/clicks and manually follow up with “warm” engagers. Personalization buckets: Current patients with 2–3 visits left, past patients who finished care recently, old leads who inquired but didn't buy—each gets tailored copy and a direct ask. Motivate the team: Group goals (e.g., hit X packages = Christmas week off). Time off > small cash bonuses. Avoid time wasters: Fancy video email “personalization” tools didn't move the needle. In-person and 1:1 messages did. Notable Quotes “Reactivation is the lowest hanging fruit—people who already trust you just need a clear reason to come back.” “If the last time you emailed your list was last Open Enrollment, don't expect fireworks.” “Less is more: pick the right window, keep the offer simple, and follow up like a pro.” Pro Tips for Owners Define the offer: Choose 12 for 10 or 24 for 20 (with 3-pay). Set the clinical cadence (2x/month). Own the landing page: Dedicated Open Enrollment page with a single CTA—don't dump traffic on a generic contact form. Mine your analytics: Build manual follow-up lists from people who opened multiple times or clicked the CTA. Right-size promotion: If you're at capacity, keep it tight (email + in-clinic). If you're feeding 6–7 PTs, amplify everywhere. Think families: Position bigger packs for active households who'll share visits across the year. Action Items Pick your Open Enrollment dates (target mid-Sept to early Nov) and one offer. Spin up a simple landing page with FAQs and a clear “Talk to Us” form. Segment lists: current (low visits left), past 3–6 mo, old leads. Draft 3 tailored scripts. Schedule a 5-email drip and build warm-engager follow-up tasks for your team. Set a team goal & reward (e.g., holiday week off) and daily scoreboard. Programs Mentioned PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Get clear on your numbers, choose your path to full-time, and build a one-page plan. Resources & Links PT Biz Website Free 5-Day PT Biz Challenge Patch (Strategy Calls & Implementation) Follow Jeremy on Instagram: @_jeremydupont (marketing deep dives & Open Enrollment tips) About the Host: Doc Danny Matta—physical therapist, entrepreneur, and founder of PT Biz and Athlete's Potential. He's helped over 1,000 clinicians start, grow, and scale successful cash-based practices across the U.S.

In this episode, FSA speaks with Florida Senate President Ben Albritton. First elected to the Florida House in 2010, he would later be elected to the Senate in 2018 and served as majority leader from 2022 until his election as Senate President in 2024. Senator Albritton has been a staunch supporter of law enforcement throughout his career. Hear about his upbringing and work as a citrus farmer and how that work has positively impacted his life today. They also talk about upcoming legislation that will hopefully lead to the modern-day renaissance in rural communities across Florida.

Classic Replay: Takaful—An Alternative Approach to Insurance In recognition of the International Day for the Eradication of Poverty, the Society of Actuaries Research Institute is re-releasing a compelling episode from the Research Insights Podcast archive: “Takaful: An Alternative Approach to Insurance.” In this conversation, Dale Hall, Managing Director of Research at the SOA Research Institute, sits down with consulting actuary and author Shariq Sikander, FSA, FPSA, CERA, to explore how Takaful—a Shari'ah-compliant, cooperative insurance model—embodies principles of ethical investing, surplus sharing, and community support. Together, they discuss how this values-based system not only aligns with cultural and religious beliefs but also promotes financial inclusion and poverty alleviation across global markets. As we reflect on the importance of economic empowerment and access to financial protection, this classic episode reminds us how innovation in insurance can help build more equitable systems—ones designed to serve, not just insure. Tune in to revisit this thought-provoking discussion and consider how alternative frameworks like Takaful might inspire the next chapter of inclusive financial solutions. Landing page:  https://www.soa.org/resources/research-reports/2024/takaful-alternative-approach/ Send us your feedback at ResearchInsights@soa.org

Send us a textCrypto isn't supposed to feel like homework. We sit down with Lani Dizon, co-founder and president of Zenza Capital and the RYO Digital Project, to unpack how RYO turns Web3 from hype into habit—usable money, real payments, and tools your family can actually trust. From the origin of RYO as Japan's historic symbol of trust to its rebirth as a modern digital currency, we trace a clear through-line: make crypto simple, human, and useful.We dig into RYOPAY's pilot with Grain X Global, where grain shipments settle near-instantly once delivery is confirmed, cutting weeks of bank delays and lowering fees for farmers and buyers. That same settlement layer can power real estate, auto, and global trade—anywhere speed and auditability matter. Then we shift to Life Wallet, a non-custodial app on iOS designed to feel familiar: hold your keys, chat, send assets, connect to social, and soon shop through the global mall or cash in/out via Japan's first FSA-licensed crypto ATM network. Android is on the way, and RYOPAY will integrate for stable, predictable checkout.We also introduce RYO-CHAN, an AI companion inspired by a real schnauzer, built to guide users through safer Web3 interactions—flagging smart contract risks, offering portfolio tips, and bringing education and rewards into one friendly experience. Beyond products, Lani shares a candid look at building under Japan's toughest compliance standards and the Japan Revival campaign—a manga-led movement celebrating trust, quality, and ownership as Web3's north star.If you're ready for crypto that works in the real world—payments you can rely on, tools that reduce risk, and an ecosystem grounded in integrity—this conversation is your roadmap. Subscribe, share with a friend who needs a simpler path into Web3, and leave a quick review so more people can find the show.This episode was recorded through a Descript call on October 10, 2025. Read the blog article and show notes here: https://webdrie.net/from-maze-to-movement-how-ryo-brings-real-world-payments-to-web3/Find Out More >>Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.

In this episode, Jon and Adam unpack one of golf's most overlooked fundamentals — arc depth, the vertical dimension of your swing that determines whether you strike it pure, fat, or thin. They explain how it differs from attack angle and plane, why it's the “hidden force” behind contact quality, and how you can train it using simple feedback drills. Jon also shares lessons from a conversation with Sir Nick Faldo about confidence under pressure, preparation, and finding a go-to shot when it matters most. The two finish by debating how launch monitors have changed the way golfers learn — and whether chasing numbers is helping or hurting our ability to play instinctively. Thank you to our Show Sponsors GolfRx, Ethos, and The Indoor Golf Shop GolfRx is a wellness membership designed for golfers who want to make golf part of their mental health and self-care routine. Members can use HSA or FSA funds (and sometimes deduct it on taxes) to make golf essentially tax-free. Each plan includes guided wellness tools plus a monthly reimbursement for golf activities. Sign up, swing, and save — and Sweet Spot listeners get their first month free with code SWEETSPOT at https://www.gogolfrx.com/signup • Ethos is an online platform that makes getting life insurance fast and easy There is no complicated process and it's 100% online No medical exam required. You just answer a few health questions Get a quote in as little as 10 minutes You can get same-day coverage without ever leaving your house Get your free quote today at ⁠⁠⁠⁠https://www.ethos.com/sweetspot⁠⁠ • As we enter the fall season, many golfers will be looking to upgrade their indoor practice. I've been trusting The Indoor Golf Shop for years and recommending them to anyone who wants to improve their home setup. They offer all the top launch monitor brands, including SkyTrak, Uneekor, and Foresight, and regularly run sales. They also have everything you need for your indoor practice - hitting mats, golf nets, impact screens, and custom enclosures. If you're looking for a custom residential build to have the simulator of your dreams, their team can make that happen. They built mine! And their designers can also handle any kind of commercial facility where you're building from scratch or want to make an upgrade. To learn more, check out ⁠⁠https://shopindoorgolf.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode Chrisley Confessions 2.0, Todd Chrisley is joined by Rick Stover, Special Assistant to the Director of the Federal Bureau of Prisons (BOP) who has been with the Bureau for nearly 29 years. They dive deep into the First Step Act (FSA) and its implementation within the Bureau of Prisons. He shares insights on the challenges and successes of the FSA since its inception in 2018, including the complexities of good conduct time calculations and the impact of the Second Chance Act.We discuss the growing pains experienced during the rollout of the FSA, the importance of accurate time credit calculations, and the steps being taken to improve the process for inmates. Our guest addresses common misconceptions about home confinement eligibility and the role of case managers in determining release dates.Listen in as we explore the ongoing efforts to streamline the FSA implementation, the establishment of a triage team to address inmate concerns, and the commitment to ensuring that inmates receive the benefits they are entitled to under the law. This episode is packed with valuable information for anyone interested in criminal justice reform and the future of the Bureau of Prisons.THANK YOU TO OUR SPONSORS!- LEAN: Get 20% OFF when you enter code CHRISLEY at https://www.takelean.com!- Just Thrive: Go to https://www.justthrivehealth.com/CONFESSIONS to save 20%! Take the 90-Day Just Thrive Challenge today because when your gut thrives, you thrive!- HOME TITLE LOCK: Go to https://www.hometitlelock.com/chrisley and use promo code CHRISLEY to get a FREE title history report and a FREE TRIAL of their Triple Lock Protection! For details visit https://hometitlelock.com/warranty - BOLL & BRANCH: Get 20% off plus free shipping on your first set of sheets at https://www.BollAndBranch.com/confessions!- RULA: Use Rula to get affordable, high-quality therapy that's actually covered by insurance. Visit https://www.rula.com/Chrisley to get started. You deserve mental healthcare that works with you, not against your budget. #rulapod - Genesis Gold Group: Visit https://www.chrisleylovesgold.com today for your FREE Family Wealth Protection Gold Guide and join thousands of Americans who've protected their legacy with real assets!FOLLOW US ON SOCIALS:Todd Chrisley:Insta: (https://www.instagram.com/toddchrisley)Facebook: (https://www.facebook.com/toddchrisley)Julie Chrisley:Instagram: (https://www.instagram.com/juliechrisley)Facebook: (https://www.facebook.com/JulieChrisley)Chrisley Confessions 2.0:Instagram: (https://www.instagram.com/chrisleyconfessions2.0)TikTok: (https://www.tiktok.com/@chrisleyconfessions2.0)YouTube: (https://www.youtube.com/@ChrisleyConfessions)Produced and Edited by: The Cast Collective (Nashville, TN)YouTube: (https://www.youtube.com/@TheCastCollective)Instagram: (https://www.instagram.com/thecastcollective)TikTok: (https://www.tiktok.com/@castcollective)About Rick Stover:Rick Stover currently serves as the Special Assistant to the Director of the Federal Bureau of Prisons. He began his career in corrections with the Virginia Department of Corrections, where he worked for several years before joining the Bureau of Prisons in April 1997 as a Case Manager at FCC Forrest City (AR).In his current role, Mr. Stover leads the Bureau's efforts to advance implementation of the First Step Act (FSA). He was selected for this position in recognition of his prior leadership in developing and negotiating the FSA Time Credits policy. His work has included oversight of policy improvements aimed at enhancing inmate outcomes and fostering collaboration across federal, state, and local agencies to support justice system reform.Mr. Stover has also provided expert guidance on policy development and legal interpretation to ensure consistent application of FSA provisions across law enforcement entities. Throughout his tenure in the Correctional Programs Division and as Warden, he actively engaged with advocacy groups, legal professionals, and community stakeholders to promote transparency and trust in the justice system. In his current role, he is prioritizing agency-wide FSA training and advising the Director on significant immigration matters affecting the Bureau.Mr. Stover holds a bachelor's degree in Sociology with an emphasis in Criminal Justice from Duquesne University and a master's degree in the Administration of Criminal Justice from the State University of New York at Albany. He has been a member of the Senior Executive Service since 2024.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's ya favorite homegirl Koereyelle, officially stepping into the 40/40 club with big birthday blessings and a baby girl on the way! In this extra personal and powerful episode of the Girl, Stop Playin' podcast, I'm bringing you some real, raw reflections on turning 40, being pregnant (again!), and preparing for baby #3.I'm sharing my unfiltered birth stories—from the unexpected C-section with my first son, to the unmedicated VBAC that nearly took your girl out, to what I've decided to do for baby #3!Whether you're a mama-to-be, a seasoned mom, or just dreaming of motherhood someday, this episode is full of lessons, tips, and truth bombs about pregnancy, childbirth, and the things no one really talks about—like the real recovery from vaginal birth, advocating for yourself in a medical setting, and using your benefits like an FSA to get that prenatal massage covered, sis!