Podcasts about Guidance

This week we get the opportunity to first practice asking for guidance, but then more importantly start to notice where that guidance is coming from!Is it our trauma self or our divine self?I share how you can know the difference!#coachrachelsays #mondaymini #yearofselfcare #beyondsurviving #guidance #higherself #divine #askforhelp #shedthetrauma #tunein #empowered #ptsd #childhoodtrauma #healingthatlasts---Support our show! If you'd like to make a donation in support of the podcast, go to http://bit.ly/beyondsurvivingpodcastdonation - all contributions will be applied towards funding scholarships, the running of donation based & free programs, & making sure that those reaching out for support get what they need.Support this show http://supporter.acast.com/beyond-surviving. See acast.com/privacy for privacy and opt-out information.

If you've ever wanted more purpose, direction and abundance in your life then do we have the Being You, Changing the World show for You!   Today we'll talk with Dr. Dain heer, best-selling author, co-creator of Access Consciousness and the mastermind behind one of my all-time favorite books on discovering our true selves and shifting our lives, Being You, Changing The World!   We'll talk about discovering the Sleeping giant within, stepping into our own power, plus how to find the abundance and prosperity we deserve.   Awaken Your Sleeping Giant Self-Improvement and Self-Help Topics Include: How did Dr. Dain Heer come back from the brink of suicide? What demand did he make to the Universe? How'd he end up turning his life around? How did life start working for him with grace and ease? What does the word possibilities really mean? Are there are really any limitations in the world? What's the importance of asking if something's light? What's the importance of being willing to be wrong? What does it mean that we are a sleeping giant? What does it mean that your point of view creates your reality? What's the importance of receiving? How do we clear blocks that can stand in the way of receiving? How do we clear unconscious blocks that keep us from living our greatest lives How do we tell what are limitations that are not ours? How do we shed acquired limitations? What is one healing technique we can begin using today to awaken the giant within? What happens when Dr. Dain Heer practices this technique on Michael Sandler during the show? What can we do to help our children lead no limit lives? What one homework assignment can we begin doing today?   Visit: https://beingyouchangingtheworld.com/   To find out more visit: https://amzn.to/3qULECz - Order Michael Sandler's book, "AWE, the Automatic Writing Experience" www.automaticwriting.com  https://inspirenationshow.com/ ……. Follow Michael and Jessica's exciting journey and get even more great tools, tips, and behind-the-scenes access. Go to https://www.patreon.com/inspirenation   For free meditations, weekly tips, stories, and similar shows visit: https://inspirenationshow.com/   We've got NEW Merch! - https://teespring.com/stores/inspire-nation-store   Follow Inspire Nation, and the lives of Michael and Jessica, on Instagram - https://www.instagram.com/InspireNationLive/   Find us on TikTok - https://www.tiktok.com/@inspirenationshow 

Mars and Mercury both enter new signs plus a Quarter Moon calls for balance in relationships! Embrace the new!Click HERE to get on the mailing list! Monthly, Weekly, and Daily Horoscopes + New and Full Moon reports straight to your inbox!Subscribe, rate, and review “This Week with Drunk Astrology" on your favorite podcast platform!YouTubeAppleGoogleSpotify

EPISODE NOTES FOR FIVE WAYS TO COMBAT FEELING THE PINCH FINANCIALLY WITH THE RISING COSTS OF LIVING AND THE DANGER IN HAVING A CHAMPAGNE LIFESTYLE EPISODE   This episode contains five ways to combat feeling the pinch financially with the rising costs of living that is happening throughout the world.Feeling the pinch financially can put a tremendous amount of strain on you and your loved ones, that's why now more than ever, you need to know how to combat the problem. Maybe you have become accustomed to certain luxuries and you are living a bit of a champagne lifestyle. Holding onto a champagne lifestyle and refusing to make any changes to your spending habits will only cause more financial pressure. Financial pressure is one of the leading causes in breakdowns in relationships. That's why it is so important to take control of your financial story and make the necessary changes to give you and your loved ones peace of mind during uncertain financial times. As many as one in four, or one in three women, depending on where you live has experienced some form of relationship abuse. I was one of them. They say we teach what we need to learn.  And breakthroughs to recover, renew and rebuild on the other side of an abusive relationship is what I needed to learn and I know other women just like me need to learn too.  I am now a Money Minded Coach and a Transformational Life Coach, Pranic Healer and Angel Intuitive. Hope this helps. Here is to a better brighter future. Stay well and stay safe.   If you are a victim or survivor of an abusive relationship you may need support to help you with your challenges. Get your crisis support list for Australia here For those outside Australia google domestic abuse free online counseling support services.    This podcast needs support to grow and reach more victims and survivors of abusive relationships. Become a Patron of the Tiaras Tears and Triumphs Podcast here   If you are a victim or survivor of an abusive relationship and you need financial support to help you with your challenges. Seek financial support in Australia to leave an abusive relationship, a $5,000 grant    If you would like to close the door on fearfulness and open the doors to making your dreams come true visit our website The Key To Be Free   Ready to invest in your success, ready to stop thinking about what you don't want, and get clear on your dreams and desires? Say YES to breakthrough before you breakdown with a complimentary clarity call   Say YES to the Unlock your Dreams One-on-One Session   Say YES to the Guidance and Healing One-on-One Session   Need help making money stretch? Have you gone through financial abuse? Why not get your free copy of the Money Mindset & Freedom Journal today to help you take back control of your finances. FREE Freedom Planner   Have you forgotten your value? Have you lost your confidence? Did you know that low self-worth is the greatest block to abundance?  Why not join the next online women's healing and empowerment workshop to Unlock the Treasures Within. When you know your self-worth you can improve your net-worth   Looking for a safe supportive social media online community? Your net worth is equal to your network, so start rebuilding your social and professional network today. Why not join women from all around the world from all walks of life in the  Rise Up with Tiaras Tears and Triumphs Facebook Group   If you like inspiring stories you may like to read By God's Grace I Go and other real-life stories of women of faith. You can do this by getting a copy of When Grace Found Me Volume Three in Australia here in USA here in United Kingdom here    Subscribe Enjoy Share CAUTION If you feel unsafe at any time please STOP LISTENING. You can come back anytime you are in a safe place to listen to the rest of the Podcast. YOUR SAFETY is the most important thing to consider, closely followed by your sanity. As impossible as it may seem, everything else is figure-out-able, especially when you get the right keys to open the right doors and close the doors of fearfulness behind you.   If you are in immediate DANGER call the Police.   NOTE OF ENCOURAGEMENT If you are struggling with your mental health please reach out for support with some form of counseling, therapy, or coaching.  If you don't know where to start to find a counselor, a good place to start is to talk to your Doctor. There are also online counseling supports now available. If the Support Person is not a good fit for you, try another and another, until you have one that is the right fit for you. And don't forget, we help women to recover, renew and rebuild, and help them to meet their challenges head-on, to move towards a life they love, so feel free to book in the key to be clarity call.   BEFORE YOU GO…. If you listen to the Podcast and you like it, please SUBSCRIBE, you will automatically be updated with new episodes as soon as they are available. If you like the episode, please leave a REVIEW for other people to know that this has value. If you know of anyone you think this Podcast might help, please SHARE it with others.   Until next time, stay well and stay safe. Sending you love, light, peace, and joy, Sandy J    

Jesus will show in our lives as we demonstrate love to others in the Body of Christ.

Opening Session - "My Spirit Given Function" Online Retreat with David Hoffmeister and Frances XuIn the work with A Course in Miracles you start to realize it's more about undoing than doing. It's more about emptying the mind of everything you think you think and think you know and everything you believe is true. It's like all the Mystics and Saints of all the centuries have told us. Empty your mind and you will know the truth. It's very simple. And with this topic of My Spirit-given function, we can say that, in order to know the function that God gave you, and God gave you eternity, then you will have to unlearn a lot. Function in this world is associated with form and also associated with the body. And I can tell you that has to be forgotten. We have to unlearn all of that, in order to live the truth, because this world was made as a veil to keep us from knowing the truth. Find your Spirit-given function with David Hoffmeister and Frances Xu and listen to the sweet interaction between David and the retreat participants.You can watch the beginning of the session here on YouTube.https://youtu.be/dSVrzNQUc80If you are interested to know more about David Hoffmeister and Living Miracles events, here is more information: https://circle.livingmiraclescenter.org/events.Recorded on July 1, 2022, at La Casa Quantico, Chapala, Mexico.

The Inspiring Human Potential Inner Growth 5D Channeled Guidance Table Talk podcast episodes are Channeled Guidance messages, at times integrating Food For Thought messages too, for themes and topics that the collective is experiencing in this 5D ascension process, humanity's consciousness expansion, and our society's cultural restructure and transformation, as well as the planet's transformation. The IHP-IG 5D Channeled Guidance podcast episodes are for: the 5D self-empowered enlightened person and collective who has a mind that embraces and applies in a day-to-day way mahasamadhi; the person who is in oneness consciousness, also known as christ consciousness or avatar consciousness; the person who is pursuing enlightenment the human way, and beyond; the person who is in a state of bliss with life and humanity's evolutionary and expanding consciousness journey; the person who thinks beyond any written text or accumulated data points; and lastly, an IHP podcast episode for the people who navigate the infinite higher human consciousness realm with awe and bliss 24/7 because who wouldn't want to use their mind, heart, and body this way or their human life to explore everything in life with bliss, awe and curiosity. This episode is for you! More to come, from time to time. Love, Maria --- Support this podcast: https://anchor.fm/maria-florio/support

Welcome back to Seasoned Sessions! This week in Hanifah's absence we have guest hosts Fola & Rukiya from Wait, Am I...Toxic? In this week's episode, we talk about THAT verzuz performance, Roe v Wade and whether we'll be able to get away with a crime successfully. Get in touch with us at @seasonedsessionspod, @adaenechi, and @its_hanifahh. Have a great week!

Our anchors begin today's show covering Meta's plans to adapt to the current downturn, and Bessemer Venture Partners' Elliott Robinson joins with his outlook for the cloud sector. Then, Needham analyst Rajvindra Gill shares his insight on chipmaker Micron's latest earnings and guidance. Next, we take a deep dive into rumors that crypto exchange FTX might be looking to buy crypto lender BlockFi with CNBC's Kate Rooney and Telstra Ventures General Partner Yash Patel. Former Google SVP of Ads and Commerce Sridhar Ramaswamy also discusses Meta's digital ad spend, and CNBC's Leslie Picker breaks down the macro headwinds driving a drop in buyout volume. Later, CNBC's Phil LeBeau reports on a lawsuit alleging racial abuse against Black employees at Tesla, and we share highlights from the latest episode of our Carl Quintanilla's “Binge” digital series, sitting down with “The Offer” Showrunner and Executive Producer Nikki Toscano.

With the Lord's Guidance

If you've ever wanted proof that spirituality is real, and what in the world is consciousness, then do we have The Secret Nature of Matter, show for you!   Today I'll be talking Richard Gordon the best-selling author of Quantum Touch and the creator of the Quantum Touch healing system, and the author of a very special book on consciousness and spirituality, the secret nature of matter.   We talk all about the intersection of science and spiritually, about what is really real, how we can prove it, and why it matters in our lives.   Consciousness Proving Self-Improvement and Self-Help Topics Include: How Richard went from an atheist to a healer How did Richard develop Quantum Touch? What is self-created health? What is faith based science? What can we learn from the experiments by Dr. Tiller on consciousness? What can we learn from Dean Radin on the double-slit experiments? What can we learn from Lynn McTaggart's intention experiments? What's the global coherence project? What is spontaneous posture realignment? What's the importance of examining pelvic and occipital torsion? What are a few key experiments Richard Gordon has done? What can we learn about entanglement? Why does entanglement matter to our lives? What do these experiments mean to us? What are some of the old assumptions about matter and consciousness? Do we live in a mechanistic universe? Is the brain a physical thing that generates consciousness? 5 New proposed laws of matter and consciousness Do we live in a simulated reality? How do we prove any of this for ourselves?    Visit: https://quantumtouch.com/en/   To find out more visit: https://amzn.to/3qULECz - Order Michael Sandler's book, "AWE, the Automatic Writing Experience" www.automaticwriting.com  https://inspirenationshow.com/ ……. Follow Michael and Jessica's exciting journey and get even more great tools, tips, and behind-the-scenes access. Go to https://www.patreon.com/inspirenation   For free meditations, weekly tips, stories, and similar shows visit: https://inspirenationshow.com/   We've got NEW Merch! - https://teespring.com/stores/inspire-nation-store   Follow Inspire Nation, and the lives of Michael and Jessica, on Instagram - https://www.instagram.com/InspireNationLive/   Find us on TikTok - https://www.tiktok.com/@inspirenationshow 

Each month, we select one of the #askHalePule submissions for Myra answer live and share it with youif you haven't already checked it out, #askHalePule was created to provide you with one-on-one support from our team at an affordable price. In no way a replacement for a comprehensive Ayurveda consultation, #askHalePule can be used to receive professional guidance on a specific question that relates to Ayurveda or Yoga.To learn more about the Heal Your Relationship with Food program mentioned in this episode, visit our website.

The Inspiring Human Potential Inner Growth 5D Channeled Guidance Table Talk podcast episodes are Channeled Guidance messages, at times integrating Food For Thought messages too, for themes and topics that the collective is experiencing in this 5D ascension process, humanity's consciousness expansion, and our society's cultural restructure and transformation, as well as the planet's transformation. The IHP-IG 5D Channeled Guidance podcast episodes are for: the 5D self-empowered enlightened person and collective who has a mind that embraces and applies in a day-to-day way mahasamadhi; the person who is in oneness consciousness, also known as christ consciousness or avatar consciousness; the person who is pursuing enlightenment the human way, and beyond; the person who is in a state of bliss with life and humanity's evolutionary and expanding consciousness journey; the person who thinks beyond any written text or accumulated data points; and lastly, an IHP podcast episode for the people who navigate the infinite higher human consciousness realm with awe and bliss 24/7 because who wouldn't want to use their mind, heart, and body this way or their human life to explore everything in life with bliss, awe and curiosity. This episode is for you! More to come, from time to time. Love, Maria --- Support this podcast: https://anchor.fm/maria-florio/support

This episode of the Getting Smart podcast is a part of our New Pathways campaign. Find out more here. This episode of the Getting Smart Podcast is a re-airing of our recent New Pathways Town Hall that breaks down each of the six pillars of pathways. These pillars will help learners find meaning in their personal, professional, and communal lives.  Our New Pathways campaign is comprised of Unbundled Learning, Credentialed Learning, Accelerated Pathways,  New Learning Models, Support and Guidance, and Policies and Systems and steered by our guiding principles of: Intentionality, Equity, Curation and Purpose, the goal of New Pathways is to help learners experience success in what's next. Find all links mentioned in this town hall here.

Luke Donay gives his take on top market news and analysis. Go into depth about the market,  individual companies, and what to buy or sell with Luke Donay and the Running With The Money team.CHECK OUT ChatterQuant!chatterquant.com/?r=lukeFollow Luke Donay and the Running With The Money team!Twitter: @lukedonayFacebook: @runningwiththemoneyInstagram: @runningwiththemoneyShop our trading gear!runningwiththemoney.shopDisclaimer: This is not direct financial advice, simply an opinion based on independent research. Luke Donay does maintain holdings in AAPL, AMZN, NVDA, BA, FB,  AMD, COIN, SHOP, MSFT.

DeAnn Tucker and Roz Cordini join Mark Reiboldt to explain the need for a security risk analysis within healthcare organizations. Many organizations are missing one critical component when performing a security risk analysis. Learn what elements organizations usually miss and how to conduct a security risk analysis properly.   Podcast Information Follow our feed in Apple Podcasts, Google Podcasts, Spotify, Audible, or your preferred podcast provider. Like what you hear? Leave a review! We welcome all feedback from our listeners. Email us questions on any of the topics we discuss or questions about issues that interest you. You can also provide recommendations on matters for future episodes.  Please email us: feedback@cokergroup.com Connect with us on LinkedIn: Coker Group Company Page Follow us on Twitter: @cokergroup Follow us on Instagram: @cokergroup Follow us on Facebook: @cokerconsulting   Episode Synopsis Did you know Health and Human Services requires an annual security risk analysis? If a breach of information occurs, OCR will request the last 2-3 years of security risk analyses to verify your organization has performed the analysis and taken steps to implement the remediation plan. Aside from the requirement, performing a security risk analysis also safeguards electronic protected health information (ePHI) by identifying potential vulnerabilities before a criminal exploits them. Click to listen to the episode.   Extras Security Rule 45 CFR 164.308 Guidance on Risk Analysis Requirements under the HIPAA Security Rule 5 Mistakes Covered Entities and Business Associates Made During a Security Risk Analysis

What is a Starseed? And are you one? Do you ever feel like there is way more beyond planet earth that meets the eye? Do you ever just feel connected with someone else and aren't sure why? What if all humans come from... other planetary beings from eons ago... and we can connect with these e.t. beings too? In this talk with Kir Grace, E.T. Guide and Spiritually Sassy Teacher, we dive into what it means to be a Starseed and what connections with extraterrestrials can mean for us. She tells us about her own experience with an Alien Ship in a field(!) and a beautiful message of love from our galactic guides. This interview was recorded within my membership to deepen your intuition, Activate: The Membership for Soul-led Women. Not yet a member? Join us here for an amazing intuitive sisterhood and VAULT of soul-led classes to deepen your intuition, clear your energy, and connect with your spirit guides. https://bit.ly/activatemonthlymembership ... About Kir Grace: Kir is an intuitive channel in open communication with extra-terrestrials, spirit guides, angels and energy. She has been in touch with the unseen for as long as she can remember. She feels most passionate about helping starseeds and highly sensitive people remember their own innate connection to the cosmos. A gift for listeners: Several months back, I enrolled in her Starseed School and it opened yet another door of intuitive connection and understanding for me. I highly recommend following Kir as she makes my day with her sass and spirit! Find her here: The cosmic tea podcast instagram/ @xokirgrace www.kirgrace.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/stephzitocoach/message

This is a special channeled guidance message for someone who needs to hear this. It's ok to be afraid, it's ok to feel, it's ok for your body to protect you from feelings, but it is time to speak your heart's truth, your heart's voice, the love you hold for yourself, the world and your life. Your body is always protecting you, that's why it's so important to learn about your nervous system's different states: sympathetic (mobilized, fight - flight, angry, anxious, hyperarousal) dorsal vagal (collapsed, immobilized, eject, freeze, flop and drop, hypoarousal), ventral vagal (connect, safe and social). I share with you some Reiki at the end of the short and lots of love, light, support. Learning about your safety behaviors with the nervous system in the forefront is helpful, while using breath (the life you are through breath) to navigate emotions in the moment and more. The IHP community is here for you. Love, Maria --- Support this podcast: https://anchor.fm/maria-florio/support

The Inspiring Human Potential Inner Growth 5D Channeled Guidance Table Talk Short podcast episodes are Channeled Guidance messages, at times integrating Food For Thought messages too, for themes and topics that the collective is experiencing in this 5D ascension process, humanity's consciousness expansion, and our society's cultural restructure and transformation, as well as the planet's transformation. The IHP-IG 5D Channeled Guidance podcast episodes are for: the 5D self-empowered enlightened person and collective who has a mind that embraces and applies in a day-to-day way mahasamadhi; the person who is in oneness consciousness, also known as christ consciousness or avatar consciousness; the person who is pursuing enlightenment the human way, and beyond; the person who is in a state of bliss with life and humanity's evolutionary and expanding consciousness journey; the person who thinks beyond any written text or accumulated data points; and lastly, an IHP podcast episode for the people who navigate the infinite higher human consciousness realm with awe and bliss 24/7 because who wouldn't want to use their mind, heart, and body this way or their human life to explore everything in life with bliss, awe and curiosity. This episode is for you! More to come, from time to time. Love, Maria --- Support this podcast: https://anchor.fm/maria-florio/support

WORD TO GO with Pastor Mensa Otabil Episode 804

This is a special channeled guidance message for someone who needs to hear this. It's ok to be afraid, it's ok to feel, it's ok for your body to protect you from feelings, but it is time to speak your heart's truth, your heart's voice, the love you hold for yourself, the world and your life. Your body is always protecting you, that's why it's so important to learn about your nervous system's different states: sympathetic (mobilized, fight - flight, angry, anxious, hyperarousal) dorsal vagal (collapsed, immobilized, eject, freeze, flop and drop, hypoarousal), ventral vagal (connect, safe and social). I share with you some Reiki at the end of the short and lots of love, light, support. Learning about your safety behaviors with the nervous system in the forefront is helpful, while using breath (the life you are through breath) to navigate emotions in the moment and more. The IHP community is here for you. Love, Maria --- Support this podcast: https://anchor.fm/maria-florio/support

For thousands of years, humanity has fought over who and what God is. But what if it's none of that, and our beliefs about God are creating the chaos and suffering we're seeing in the world today. In this fascinating interview with Neale Donald Walsch we look at what God really is...hint, it's not a bearded white-guy in the sky, and how by changing our understanding, we change the entire world, and especially our own lives!   I'll be talking with Neale Donald Walsch, the runaway New York Times #1 best-seller of the Conversations With God series, about my new favourite, most profound and most important book I've perhaps ever read, The God Solution: The Power of Pure Love.   Get your copy of The God Solution: The Power of Pure Love [Neale Donald Walsch] - https://amzn.to/3tZilSw   Visit: - https://cwgconnect.com/ - http://www.nealedonaldwalsch.com/   To find out more visit: https://amzn.to/3qULECz - Order Michael Sandler's book, "AWE, the Automatic Writing Experience" www.automaticwriting.com  https://inspirenationshow.com/ ……. Follow Michael and Jessica's exciting journey and get even more great tools, tips, and behind-the-scenes access. Go to https://www.patreon.com/inspirenation   For free meditations, weekly tips, stories, and similar shows visit: https://inspirenationshow.com/   We've got NEW Merch! - https://teespring.com/stores/inspire-nation-store   Follow Inspire Nation, and the lives of Michael and Jessica, on Instagram - https://www.instagram.com/InspireNationLive/   Find us on TikTok - https://www.tiktok.com/@inspirenationshow 

The Inspiring Human Potential Inner Growth 5D Channeled Guidance Table Talk podcast episodes are Channeled Guidance messages, at times integrating Food For Thought messages too, for themes and topics that the collective is experiencing in this 5D ascension process, humanity's consciousness expansion, and our society's cultural restructure and transformation, as well as the planet's transformation. The IHP-IG 5D Channeled Guidance podcast episodes are for: the 5D self-empowered enlightened person and collective who has a mind that embraces and applies in a day-to-day way mahasamadhi; the person who is in oneness consciousness, also known as christ consciousness or avatar consciousness; the person who is pursuing enlightenment the human way, and beyond; the person who is in a state of bliss with life and humanity's evolutionary and expanding consciousness journey; the person who thinks beyond any written text or accumulated data points; and lastly, an IHP podcast episode for the people who navigate the infinite higher human consciousness realm with awe and bliss 24/7 because who wouldn't want to use their mind, heart, and body this way or their human life to explore everything in life with bliss, awe and curiosity. This episode is for you! More to come, from time to time. Love, Maria --- Support this podcast: https://anchor.fm/maria-florio/support

Parents around the world find comfort and guidance in their spiritual faith, even during the hardest of times of their parenting journey. Prayer, journaling, and reflection are powerful tools that can bring peace during turmoil and a sense of direction on those days you feel lost. In this episode, I talk to award-winning author Bunmi Laditan about how parents can use their faith to ease the worry that comes with being a parent. Her new book, Help Me God, I'm a Parent is a collection of poetry that gives voice to the vulnerable thoughts that everyone has about parenthood, but may be afraid to say out loud. These lyrical prayers echo the same fears, joys, delights, loneliness, regrets, and love that caretakers hold in their hearts. Bunmi is a Webby- nominated writer from California who lives in Quebec, Canada, with her family. She has contributed to the New York Times, Parenting, and the Huffington Post and is best known for the satirical Twitter account Honest Toddler (1.6 million followers). --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/ann-mckitrick/support

Listen To The Guidance From Wisdom - Dr Mark Howard July Teleseminar by Mark Howard, PhD

Shipping has gotten really expensive. There are now aggregators, many free to join offering special rates for shipping under their codes. Clark talks about saving on shipping for individuals and for small businesses. Also, high gas prices have upped the profile of electric vehicles. Clark gives guidance on when to buy, EV types, the dealer - manufacturer relationship, and the sweet spots for affordability in the EV market now and in the future.  SAVE on Shipping: Segment 1 Ask Clark: Segment 2 Affordable EVs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: UPS Digital Access Program Rates | Pirate Ship 401(k) Match: What Is It, How It Works Life Insurance Archives - Clark Howard Best Term Life Insurance Companies, Plans & Coverage Turn off the debit function of your debit card What's the Best Setting for Your Thermostat During the Summer? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It's awkward. There's no way to better describe it. In this episode, we break down the stigma of 'borrowing' or 'lending' money to people close to you; I give you some useful tips that have helped my experiences and relationships. Share & Subscribe Now!

In this episode Joan Younger Meek, MD, MS, FAAP, IBCLC, describes updated guidance on breastfeeding and the use of human milk. Hosts David Hill, MD, FAAP, and Joanna Parga-Belinkie, MD, FAAP, also talk with Emily Echevarria, MD, FAAP, about how family education can affect the health of newborns. For resources go to aap.org/podcast.

We often hear people reference the Higher Self in meditations, spiritual or self-improvement classes, and in New Age articles. But what is the Higher Self, exactly? In this episode we'll delve into what the Higher Self actually is (and what it isn't), how you can connect with it, and why you should trust it. Join us as we sip on High Priestess Cosmos and tap into the magical manifestations of the Higher Self!

Hello! What a treat I have for you all today. I love having guests on to share their story who have had a radial awakening into their gifts as a healer. In this episode I sit down with Nicole Darin, Karmic Coach and Soul Centered Guide to discuss chord cuttings, initiation, polarity integration of mind body and spirit as well as navigating life's major plot twists. Nicole shares candid and intimate moments from her journey as a network broadcast journalist, to an intuitive Spiritual Life Coach and Sacred Sex Mentor. From battling ego identity, career, societal attachments, fear and divorce to embracing her gifts and helping others find their true purpose through soul alignment. Nicole is a dynamic ball of light. From healing in the Canary Islands to a soul centered life in Washington DC, I hope you enjoy this interview! We also Discuss: Detachment from material needs, importance of purging stuff! Chord cutting as an effective tool for letting go When the Universe intervenes Learning to surrender and Trust...really trust Loss of identity and feeling lost How to self soothe and importance of nourishing yourself What are soul mates really? Navigating the big changes (temporary feeling of loss)that can come with awakening Embracing soul mates entering and leaving our life The dopamine addiction Getting serious about healing The joy of finding your true purpose *Sacred Sex teaser Weekly Mantra: "I release what no longer serves me, I am divinely supported and protected by the Universe." Resources: Today's Guest Nicole Darin https://www.nicoledarin.com/ (https://www.nicoledarin.com/) Host Michelle Schoenfeld https://www.michelleschoenfeld.com/ (https://www.michelleschoenfeld.com) Upcoming Events Coming to Turkey, Washington, DC or San Antonio Texas and want to be part of my live show or studio audience? Shoot me a message or send me a pitch. Michelle@MichelleSchoenfeld.com  Written and Produced by Michelle Schoenfeld Original Score by Bryce Cashman Sound Engineer and Technical Consultant, Dan Letchinger PROMOs and Discounts: Alcohol Free Wine Try Surely crisp and refreshing alcohol-free wine, made from California premium grapes. Click the link and use code[ NAMASTE] to save 15%!   https://www.hisurely.com/?dt_id=34988 (https://www.hisurely.com/?dt_id=34988) Keto, vegan, and gluten-free friendly! Plus it's low sugar and tastes GREAT! Algae Detox Supplements: If you want to try spirolina/ Algae for detox and more energy, go to https://www.energybits.com/ (https://www.energybits.com/) and use code NAMASTE at checkout to save 20%. SUJU Juice: Code : DRINKPLANTS to save 10%. https://www.sujajuice.com/ (https://www.sujajuice.com/) You are worthy, you are enough, and you were born to be happy. ~ namaste In addition to being a wellness expert and spiritual teacher, I also cover: best tips on, meditation, happiness, sound bath, healing crystals, how to manifest, best new podcast, abundance, best retreat, holistic, CBD, how to find self love, love, reiki, astrology, acupuncture, Ayurvedic, yoga, CBD health benefits, The Law of attraction, vegan, how to balance your chakras, spiritual awakening, spirit guides, what is a Lightworker, Starseed, Tantra, Tantric sex, kundalini, EFT, Tapping, what is an empath, eastern medicine, wellbeing, best detox, juice cleanse, sound bath, Dosha, and shadow work.

The Inspiring Human Potential Inner Growth 5D Channeled Guidance Table Talk podcast episodes are Channeled Guidance messages, at times integrating Food For Thought messages too, for themes and topics that the collective is experiencing in this 5D ascension process, humanity's consciousness expansion, and our society's cultural restructure and transformation, as well as the planet's transformation. The IHP-IG 5D Channeled Guidance podcast episodes are for: the 5D self-empowered enlightened person and collective who has a mind that embraces and applies in a day-to-day way mahasamadhi; the person who is in oneness consciousness, also known as christ consciousness or avatar consciousness; the person who is pursuing enlightenment the human way, and beyond; the person who is in a state of bliss with life and humanity's evolutionary and expanding consciousness journey; the person who thinks beyond any written text or accumulated data points; and lastly, an IHP podcast episode for the people who navigate the infinite higher human consciousness realm with awe and bliss 24/7 because who wouldn't want to use their mind, heart, and body this way or their human life to explore everything in life with bliss, awe and curiosity. This episode is for you! More to come, from time to time. Love, Maria --- Support this podcast: https://anchor.fm/maria-florio/support

The Inspiring Human Potential Inner Growth 5D Channeled Guidance Table Talk Short podcast episodes are Channeled Guidance messages, at times integrating Food For Thought messages too, for themes and topics that the collective is experiencing in this 5D ascension process, humanity's consciousness expansion, and our society's cultural restructure and transformation, as well as the planet's transformation. The IHP-IG 5D Channeled Guidance podcast episodes are for: the 5D self-empowered enlightened person and collective who has a mind that embraces and applies in a day-to-day way mahasamadhi; the person who is in oneness consciousness, also known as christ consciousness or avatar consciousness; the person who is pursuing enlightenment the human way, and beyond; the person who is in a state of bliss with life and humanity's evolutionary and expanding consciousness journey; the person who thinks beyond any written text or accumulated data points; and lastly, an IHP podcast episode for the people who navigate the infinite higher human consciousness realm with awe and bliss 24/7 because who wouldn't want to use their mind, heart, and body this way or their human life to explore everything in life with bliss, awe and curiosity. This episode is for you! More to come, from time to time. Love, Maria --- Support this podcast: https://anchor.fm/maria-florio/support

We review the details of the AASHTO Accreditation Policy and Guidance on Laboratory Names document and explore how it may evolve.   

It's the people, not the numbers that are the heart and soul of the treasury industry. And someone who explores that idea in more detail is Amol Dhargalkar, Managing Partner, Board Member and Global Head of Corporates at Chatham Financial, in this week's Treasury Career Corner episode. Amol takes us through his career and why he's been happy to stay at the same company for nearly 21 years. He explains why he believes the most important parts of treasury are working with a great team, communication, learning, and making treasury roles more meaningful. Amol leads Chatham's corporates sector and brings nearly 20 years of experience in derivatives capital markets to support clients in their development, execution, and ongoing management of hedging programs across interest rate, currency, and commodity risk management programs. He has advised both public and private companies across all industries including real estate, private equity, telecommunications, technology, industrials, and healthcare. Amol graduated from Pennsylvania State University with a B.S. in both Chemical Engineering and Economics. He also received his MBA from the Wharton School at the University of Pennsylvania where he was a Palmer Scholar. Chatham Financial are a global leader in financial risk management and specialise in the debt and derivatives markets with solutions that combine expert advisory with proprietary technology. They handle the highest volumes and largest breadth of engagements in our field, giving us the unmatched perspective needed to help you understand and mitigate your organisation's financial risk. They believe that your success starts with access to knowledge, so they connect you to data and insights you can use to make fully informed decisions with complete confidence. And as the largest independent firm in their industry, they think like business owners, not vendors, so they prioritise solutions over selling and relationships over transactions. On the podcast we discussed… Amol's journey towards treasury What he loves about his role The current challenges in the treasury world How to design a team and help them find meaning in their work The benefits of streamlining treasury functions The three traits that make successful treasurers You can connect with Amol on https://www.linkedin.com/in/amol-dhargalkar/ (LinkedIn). Amol's recommended book, http://atulgawande.com/book/the-checklist-manifesto/ (The Checklist Manifesto) Mike's recommended podcast,https://www.httotw.com/ ( How to Take Over the World ) Are you interested in pursuing a career within Treasury? Whether you've recently graduated, or you want to search for new job opportunities to help develop your treasury career, The Treasury Recruitment Company can help you in your search for the perfect job. https://treasuryrecruitment.com/jobs (Find out more here). Or, send us your CV and let us help you in your next career move! If you're enjoying the show please rate and review us on whatever podcast app you listen to us on, for Apple Podcasts https://podcasts.apple.com/gb/podcast/the-treasury-career-corner/id1436647162#see-all/reviews (click here)!

Welcome to my show  Let's Ask the Angels on Blogtalk Radio! I am your host, Barbara Calvano, Angel  Intuitive and Life Coach of  www.bcalvanocoaching.com I will be sharing Angel  messages for June 26th to July 2nd: Potential & Promise. The card deck I will be using is the Rose Oracle by Rebecca Campbell.    Call in to the show for  messages, guidance, life coaching and energy clearing at 424-675-6837. I will be sharing the upcoming  messages for the upcoming week and taking your listener calls for  on air readings. To book a personal session with me  go to SERVICES on www.bcalvanocoaching.com WWW.BCALVANOCOACHING.COM SERVICES Purchase your session and I will contact you to set up a convenient time and date. By phone, Skype, Facetime, Zoom and  in person bcalvano-coaching@usa.net Subscribe to my email on www.bcalvanocoaching.com to stay updated on online and in person events. Follow me  here on Blogtalk radio Let's Ask the Angels and on IG at   bkiddcalvano   Barbara Kidd Calvano   FREE FULL MOON  ANGEL CIRCLE ON JULY 13TH 7PM ET  YOU MUST REGISTER IN ADVANCE FOR THE ZOOM LINK. Hi there,  You are invited to a Zoom meeting.  When: Jul 13, 2022 19:00 Eastern Time (US and Canada)  Register in advance for this meeting: https://us02web.zoom.us/meeting/register/tZwoc-CopjIpGNEnwT7rBT6KCkKjwDmOy-al  After registering, you will receive a confirmation email containing information about joining the meeting. Learn how I keep healthy and my vibration high naturally with a free health  wellness consultation with  Doterra Eseential OIls message me at bkiddcalvano@usa.net 

Many people find it challenging to make consistent positive changes ... Read more

For the ones who are embarking on massive change......who are preparing to lose someone, or something, dear...who are entering a period of shadow work...and anyone who is facing the dark depths of themselves or the unknownThis is a message of love for you.

Did you ever wish you could be happier right now, much happier? That life could be, well, happier in each moment, more puppies and roses, or that at least the sun could be shining more than half the time?   Well then do we have the show for you!   Today we'll be talking with Tal Ben Shahar, a former Harvard pyschology professor and a leader in the field of positivity and happiness. He's also the author of the best-selling book: Choose the Life You Want: The mindful Way to Happiness.   Today we'll be talking about at least 10 key ways to CHOOSE Happiness in Each moment, plus the power of smiling and why we both do it before starting the show, plus why we might want to forgo that new Porsche, and instead head for Cabo pronto. Arriba!   Interview Topics Include: Got into studying happiness because wasn't happy studying computers There was a study that gave you money to go shopping Shoppers high had 1 day stick – then gone Those who were give money to instead give away, had more stick, even a week later Generosity Brings Happiness Hebrew word natan, palindrome, same word backwards, because of the relationship of giving and receiving Being Present Brings You Happiness Eric, Blind Home Designer Hellen Keller Brings happiness and boosts immune system Hellen Keller was a consummate appreciator Being in a state of Gratitude brings you happiness What Barbara Frederickson calls heartfelt positivity – feeling good in the moment Einstein, either nothing is a miracle or everything is Being Present and Grateful is a super-powerful happiness duo Like working out Can go to gym Or bring activity to everything Can meditate Or can make every moment a mindfulness practice Mindfulness Kids self-esteem is higher Also affects employees in workplace – sick less when listened to more by boss or colleagues One of best predictors of job productivity is the answer to “do you have a best friend at work” – having someone hear us out. Listening to someone contributes to their physical health Having Pets contributes to wellbeing and happiness Amy Cutty – Physical Posture Doing dishes can be mindful When eating – In every moment can cultivate mindfulness 5-10 minutes a day of mindful eating a day can improve our wellbeing High power pose – Rooster pose or big-shot pose Demonstrates confidence Increases testosterone and reduces cortisol Increases stress hormones, decreases testosterone Hunching forward at computer isn't good for our psychology Weaker pose Posture can improve wellbeing, happiness, and body chemistry What are key ways to be mindful for happiness The permission to be human Allowing ourselves to experience any and all emotions Difficult of self-help gurus Can't be happy all the time Cannot suppress or block emotions Allowing yourself to experience emotions More open Interpret events differently The idea of the lucky person – phenomenon of luck and Dr. Wiseman Be a benefit finder, not a fault-finder How to become more of a benefit finder Teach it Write about it Have reminders around you Bringing humor and lightness to your life The healing power of humor – Norman Cousins Prescribing humorous activities – the power of humor is remarkable Ellen DeGeneres Combining Dance and Humor The Wonder Drug video on Happiness.tv Ellen and TBD (Too Busy Disorder) So important to do less rather than more Changing our beliefs and the mind-body connection How do we shift those beliefs Carol Dweck – Fixed mindset vs. growth mindset – self fulfilling prophecy Having a fixed vs. a growth mindset Shoot for more positive experiences – even small experiences The value of experiences over goods Supporting a child's dreams Spirituality – having a meaningful, purposeful experience See your work as significant or purposeful Doesn't have to be in a great or big experience or ah ha moment, it can be in just about every moment of our lives. Happiness is in the details – in the minute-to-minute decisions we make Jon Kabat Zinn – wherever you go, there you are – being present to the experience   Visit: https://talbenshahar.com/   To find out more visit: https://amzn.to/3qULECz - Order Michael Sandler's book, "AWE, the Automatic Writing Experience" www.automaticwriting.com  https://inspirenationshow.com/ ……. Follow Michael and Jessica's exciting journey and get even more great tools, tips, and behind-the-scenes access. Go to https://www.patreon.com/inspirenation   For free meditations, weekly tips, stories, and similar shows visit: https://inspirenationshow.com/   We've got NEW Merch! - https://teespring.com/stores/inspire-nation-store   Follow Inspire Nation, and the lives of Michael and Jessica, on Instagram - https://www.instagram.com/InspireNationLive/   Find us on TikTok - https://www.tiktok.com/@inspirenationshow 

On this special episode, Mike talks with director Neysan Sobhani about his feature film debut, Guidance (2021), a sci fi film shot in China about a new bit of technology that allows the user to know if someone is telling the truth or not. Find out more at https://www.guidancefilm.com/

On this special episode, Mike talks with director Neysan Sobhani about his feature film debut, Guidance (2021), a sci fi film shot in China about a new bit of technology that allows the user to know if someone is telling the truth or not. Find out more at https://www.guidancefilm.com/

For the week of June 27th, the new moon is in cancer! We ask, what is the care I want to amplify in my journey and have more of? This week we talk about the significance of snakes in dreams.

Cancer New Moon & Neptune Retrograde...the Divine Mother is HERE! As women's reproductive rights take center stage, the stars say, "what do you want to do about it?" Click HERE to get on the news list! Monthly and Weekly Horoscopes + New and Full Moon reports straight to your inbox!Click HERE to get notified when the Limited Edition candles are launched!Subscribe, rate, and review “This Week with Drunk Astrology" on your favorite podcast platform!YouTubeAppleGoogleSpotify

The solution to every problem begins with adjusting our thinking. We can choose to leave the arena of fear by inviting God into the conversation. When we do, we discover to our relief, that our fears were groundless: it was all bull. On this episode, Darrell and Ed encourage listeners to avoid the bull and start living. Inspirational 'bullfighter' Brandon Weinstock enters the CHOBO arena to read and discuss todays Daily Word, “Guidance”

After multiple formula-related infant deaths were reported to the FDA in February, samples from Abbott Laboratories' Sturgis, Michigan baby formula production facility tested positive for cronobacter, triggering a recall and a subsequent formula shortage. In this episode, Jen uncovers monopoly and neglect in the baby formula production industry, lack of oversight by the FDA, and the United States' refusal to adopt the World Health Organization's International Code of Marketing of Breast-Milk Substitutes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via PayPal Support Congressional Dish via Patreon (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: 5753 Hwy 85 North, Number 4576, Crestview, FL 32536. Please make checks payable to Congressional Dish Thank you for supporting truly independent media! View the shownotes on our website at https://congressionaldish.com/cd254-baby-formula-shortage Background Sources Recommended Congressional Dish Episodes CD234: AWOL Recall: The Rock and Play Sleeper The Formula Shortage Abbott. Jun 15, 2022. “Update on Abbott's Sturgis Plant and Formula Production.” “Testimony of Robert M. Califf, M.D., Commissioner of Food and Drugs, Food and Drug Administration, Department of Health and Human Services, before the Committee on Health, Education, Labor & Pensions, Infant Formula Crisis: Addressing the Shortages and Getting Formula on Shelves.” May 26, 2022. U.S. Senate. Center for Food Safety and Applied Nutrition. May 18, 2022. “Guidance for Industry: Infant Formula Enforcement Discretion Policy” [FDA–2022–D–0814]. U.S. Food and Drug Administration. Annie Gasparro and Jaewon Kang. May 12, 2022. “Baby Formula Shortage Could Leave Parents Scrambling for Months.” The Wall Street Journal. U.S. Food and Drug Administration. Feb 2022. “FDA Investigation of Cronobacter Infections: Powdered Infant Formula.” Baby Formula Monopoly Matt Stoller. May 13, 2022. “Big Bottle: The Baby Formula Nightmare.” BIG by Matt Stoler on Substack. Sam Knight. Apr 23, 2022. “Company Responsible for Tainted Baby Formula Has Monopoly Over Aid Program Sales.” Truthout. FDA Failure Letter from Rep. Raja Krishnamoorthi to FDA Commissioner Robert Califf. March 24, 2022. U.S. House of Representatives. Poisoned Baby Food House Committee on Oversight and Reform, Subcommittee on Economic and Consumer Policy Staff. Feb 4, 2021. “Report: Baby Foods Are Tainted with Dangerous Levels of Arsenic, Lead, Cadmium, and Mercury.” Operation Fly Formula Brenda Goodman and Deidre McPhillips. Jun 10, 2022. “How far will Operation Fly Formula shipments really go to fill America's store shelves?” CNN. The White House. May 22, 2022. “Biden Administration Announces Second Operation Fly Formula Flight.” White House Briefing Room: Statements and Releases. 60 minutes Segment Bill Whitaker. May 22, 2022. “Medical Middlemen: Broken system making it harder for hospitals and patients to get some life-saving drugs.” 60 Minutes. The WHO Code and Formula Marketing The World Health Organization. Apr 28, 2022. “Scope and impact of digital marketing strategies for promoting breastmilk substitutes.” The World Health Organization. Apr 28, 2022. “WHO reveals shocking extent of exploitative formula milk marketing.” The World Health Organization. #EndExploitativeMarketing Petition. La Leche League International. “International WHO Code.” Bonnie Goldstein. Jul 13, 2018. Paper Cuts: No Match for Mother's Milk. Project on Government Oversight. Baby-Friendly USA website. The World Health Organization. Jan 27, 1981. “International Code of Marketing of Breast-Milk Substitutes.” Fisher-Price Update Katie Porter [@RepKatiePorter]. Jun 15, 2022. “Following yesterday's news of previously unreported infant deaths in Fisher-Price products, I'm calling on the company to immediately recall all…” Twitter. Laws H.R.7791: Access to Baby Formula Act of 2022 Jen's Highlighted PDF of Public Law 117–129 H.R.3182: Safe Sleep for Babies Act of 2021 Audio Sources INFANT FORMULA CRISIS May 26, 2022 Senate Committee on Health, Education, Labor, and Pensions The committee concluded a hearing to examine the infant formula crisis, focusing on addressing the shortage and getting formula on shelves. Witnesses: Robert M. Califf, Commissioner of Food and Drugs, Food and Drug Administration Clips 37:26 Dr. Robert Califf: Frankly, the inspection results were shocking. Standing water, cracks in key equipment that presented the potential for bacterial contamination to persist, particularly in the presence of moisture, leaks in the roof, a previous citation of inadequate hand washing and current poor foot sanitation, bacteria growing from multiple sides, and many signs of a disappointing lack of attention to the culture of safety in this product that is so essential to the lives of our most precious people. 38:14 Dr. Robert Califf: As soon as we receive positive cronobacter results from environmental samples at the facility that we collected during the inspection, we contacted Abbott to ask the company to issue a voluntary recall. The need to take urgent action to protect the most vulnerable of all of our people -- infants -- presented a dilemma. This was the largest plant of the dominant manufacturer, and it was the sole source of a number of metabolic formulas essential for viability of infants with no substitution possible, because Abbott had no backup plan. We knew that ceasing plant operations would create supply problems, but we had no choice given the unsanitary conditions. 50:50 Sen. Richard Burr (R-NC): Why haven't you waived labeling requirements from trusted manufacturers in countries like the UK, Australia or Canada? Couldn't manufacturers provide temporary labels on imported formula? Cans if the label is printed in a language other than English until US manufacturing is restored? Some countries have higher nutritional requirements. Why can't we provide a waiver for their products to come into the country? Dr. Robert Califf: We've waived many of the requirements that are the ones that make sense, but the directions have to be clear to Americans in language that's understandable so the formula can be mixed correctly. An error in mixing up the formula for example, can lead to a very sick infant not getting the right nutrition. 2:16:18 Dr. Robert Califf: We saw the lack of quality in the system and the lack of accountability for the problems that were there. And so we had to invoke the Justice Department to negotiate a consent decree, which is essentially Abbott saying, “Yes, we had all these problems. Here's exactly what we're going to do to fix them.” For legal reasons, I can't discuss the exact details of the negotiation, but let's just say that it took a little armwrestling to get to the point where the Justice Department got Abbott to sign the consent decree. FORMULA SAFETY AND SUPPLY: PROTECTING THE HEALTH OF AMERICA'S BABIES May 25, 2022 Committee on Energy and Commerce: Subcommittee on Oversight and Investigations Witnesses: Robert M. Califf, Commissioner, Food and Drug Administration Frank Yiannas, Deputy Commissioner, Food Policy and Response, Food and Drug Administration Susan Mayne, Director, Center for Food Safety and Applied Nutrition, Food and Drug Administration Chris Calamari, Senior Vice President of U.S. Nutrition, Abbott Robert Cleveland, Senior Vice President of the Nutrition Business Unit for the US and Europe, Mead Johnson Nutrition Scott Fitz, Vice President of Technical and Production, Gerber Clips 41:55 Robert Califf: Because of the lack of the diversification of this market in the absence of a central hub for integrating supply chains, we concluded early on that getting the Sturgis facility up and running safely was a top priority. But we had no confidence in the integrity of the Abbott quality program at this facility. Accordingly, we initiated proceedings toward a consent decree, which requires Abbott to undertake steps to assure safe production of formula, including hiring an outside expert with reporting to FDA. 43:03 Robert Califf: Despite the overall numbers showing diminished but steady supply, we knew that distribution was an issue. Some areas were experiencing significant shortages, but overall, there was enough formula to go around. About a month ago, the reports of shortages on the shelf proliferated, although there was not a drop in production. This increase in consumption most likely represents heightened concern of parents and caregivers about shortages, leading to an understandable effort to purchase ahead to ensure adequate supply at home. This type of cycle has happened with other products throughout the pandemic, and we realize that the only solution is to have adequate supply to make sure shelves are stocked. 45:57 Robert Califf: Abbott's enormous market share left it with a responsibility for producing safe infant formula that was not met. We will do everything in our power to work with Abbott to make this happen as quickly and as safely possible, but this timing is an Abbott's control. 46:35 Robert Califf: Across the industry we regulate, we are seeing evidence that the just-in-time distribution system, market concentration, and sole-source contracting are leading to shortages. Multiple reports to Congress call for improved supply chain management. Until regulatory agencies have digital access to critical supply chain information and personnel to do the work, we will continue to react to supply chain disruptions rather than intervening to prevent them. 1:01:113 Robert Califf: It's really important for people to go to the HHS website: hhs.gov/formula. There you'll find the hotline for all the manufacturers and helpful information about where to go. 1:04:12 Robert Califf: You would be surprised to know there's no just-in-time system where all the FDA employees can see what's going on. What we really need is access to the information that the manufacturers have about each of their individual supply chains. They each have their individual supply chains, but there is no national system to make sure the supplies getting where it needs to go. 1:05:11 Rep. Cathy McMorris Rodgers (R-WA): Did FDA not have a data analytics tool to monitor the supply chains of various products, including infant formula? Robert Califf: We requested funding for a tool and because we didn't get the funding, we cobbled it together. It's a start, but it's nowhere near — you know, again, I was at Google for five years. The technology at FDA, and in many federal agencies is outmoded and needs an upfit, there's just no question about. 1:07:33 Susan Mayne: We have been in discussion with infant formula manufacturers throughout COVID, but discussion is not the same thing as data and we do not have the authorities to demand data from the companies to get necessarily all the information that you would want to have to really monitor the supply chains as Dr. Califf indicated. 1:10:30 Robert Califf: But given what we saw, the only way we could have confidence was through a consent decree, where we literally have oversight of every single step. When we met with the CEO yesterday, there were hundreds of steps that they went through that they're having to do, many of which have already been done. So it's only if we have direct oversight over it that I would have confidence, but I do have confidence that we are seeing every single step both physically in-person, and also through following the documentation and the outside expert. 1:10:53 Rep. David B. McKinley (R-WV): How will the passage of last week's FDA Bill increase the production of baby formula? Robert Califf: Production is increasing already — Rep. David McKinley The criticism, that they said that on these various tweets — it was not just one there were several — that said it was unnecessary. So I want to know, how do we increase, how do we get back to production? How to put in $28 million? How would that how's that gonna increase production? Robert Califf: Well, remember, the Abbot plant needs to get up and running, we've got to oversee and micro detail to make sure that it's done correctly. And as we bring in supply from other countries, remember, we already have overseas plants that we import from on a regular basis, almost double digits. So as we bring that product in, we've got to inspect it, make sure it's of the quality that we expect in America of formula and we need to upgrade our information systems, as I've already said, to make sure that as all this goes on, we can keep track of it and make sure that we're coordinated. 1:44:55 Rep. Kim Schrier (D-WA): Is there any early warning system for products like baby formula? And not just the ingredients but for formula itself or manufacturer would let you know if they're running short or anticipate a shortage? Robert Califf: First of all, let me thank you for being a pediatrician. I sometimes call the Academy of Pediatrics just for the positive vibes that you all exude as a profession. But no, there is not such a warning system. We've repeatedly asked for that authority and have not been granted it. The industry by and large has opposed it. 1:52:21 Susan Mayne: What the data show is, we can't rule in or rule out whether or not those infants, their cronobacter was caused by this plant. The data just simply can't be used to inform it. Rep. John Joyce (R-PA): But the genetic testing you did. It does not match from the plant, correct? Susan Mayne: That is correct. But what we did not have is any sampling done at the same time that the product was manufactured that was consumed by the individuals who got sick, so we didn't have that every director 2:08:57 Rep. Ann Kuster (D-NH): I know that in this part of the country, I'm in New Hampshire, we have milk banks of mother's breast milk. And I'm wondering what is the regulation by the FDA? And can we assure our constituents that breast milk from milk bank is safe and is thoroughly vetted by the FDA? Robert Califf: You're asking some very good questions. I'm gonna refer this to Dr. Mayne who probably would have the best answer. Susan Mayne: Thank you, Congresswoman. So human breast milk is regulated as a food. And so that is reassuring and they have to have proper screening protocols and things like that in place to make sure that the donors that are donating the milk, get that, that's critical for human food safety. So that's how I would respond. Thank you. 2:26:28 Robert Califf: You would think that a critical industry like this would have resilience plans, redundancy, but we don't even have legal authority right now to require that the firms have a plan for potential failures and resilience. That's something we've asked Congress for every year for a while, and we're asking for it again. So I hope that it happens this time. I'd also add that this is not unique to this industry. We are seeing this across the entire device and medical supply industry with frequent failures as exemplified by the 60 minutes show and the contrast medium problem that I talked about. We have gone to a just-in-time, large single source contracts that lead to lack of diversification in the industry and the industry has fought us tooth and nail on requiring that there be insight into their supply chains, so that the sum of all of the industries leads to the the avoidance of preemption. We'd like to be able to stress test and prevent these things from happening rather than waiting until they happen, and then scrambling. 2:58:58 Susan Mayne: What we've seen is, first the strain of the COVID 19 pandemic, then the strain of the recall, and now we've got the Russia-Ukraine conflict. And one of the things that we know is the Ukraine region is one of the world's biggest exporters of products like sunflower oil. Sunflower oil is used as an ingredient in many food products, including infant formula. And so we have been working with the manufacturers should they be unable to maintain their supply of sunflower oil, what they would replace it with and make sure that that would meet the nutritional requirements for infant formula. 3:26:28 Chris Calamari: We plan to start production at Sturgis the first week of June. We will begin with the production of EleCare, before turning to the production of other formulas and Similac. From restart, we estimate that it will take six to eight weeks before product is available on shelves. 4:28:51 Rep. Paul Tonko (D-NY): Your testimony also mentions global supply chain challenges as a factor the company has had to contend with. What, if any, steps has Gerber taken to maintain its production and distribution supply? Scott Fitz: Thank you for the question. Certainly, our industry is not immune to the global supply chain challenges brought on by the pandemic. We struggled with materials supply issues, intermittent materials supply issues, whether it be ingredients or packaging components, we struggled struggled with the material quality issues related to the pandemic, we've had transportation and logistics issues, just getting trucks and truck drivers available to move the products and supplies that we need. And we've had COVID related labor challenges and higher turnover than normal are all things that have impacted us. Through the course of the pandemic though we've we've resolved these on an ongoing basis, one at a time as they've come up. We are putting trying to put in more robust business continuity plans in place for critical components and ones that we know we will have challenges with in the future. 4:30:50 Rep. Paul Tonko (D-NY): Did you not think the FDA should be notified or at least aware of your struggle? Scott Fitz: Should FDA be aware of our struggle? Rep. Tonko: Yeah, should you have shared those concerns for supply chain? Scott Fitz: If it could help, we would certainly be willing to do that. Yes. Rep. Tonko: What should you have told us during the last year? Scott Fitz: Well, as I testified, the issues that have come up for us, we've been able to resolve. Through the last six months our in-stock rates have averaged 86%. 4:35:55 Chris Calamari: On the horizon, we see in the manufacture of infant formula agricultural oils are absolutely essential, paper is absolutely essential, the cost of fuel to supply and distribute the product is essential. So I would call out those key elements ranging from agricultural oils to the cost to deliver the product would be the biggest areas of focus. 4:41:42 Robert Cleveland: We reached out and spoke to the USDA almost immediately seeking flexibility, for example in the size format. And while that sounds small, it's very significant because what that means is the WIC consumer doesn't have to look for one particular size of product at the shelf. They can find any size of the shelf to fulfill their their benefits with and that's allowed us to continue production and step up to meet the requirements of those consumers. We've since worked with the USDA to find a number of other ways to flexibly administer the program, because really, the focus for the WIC consumer is the same as the others, making sure she has safe access to formula and doesn't have to compete with non-WIC consumers to get it. So the more sizes, the more formats, the more manufacturers that the program can support, the more likely she is to have her needs met. 4:47:35 Rep. Kim Schrier (D-WA): The baby formula industry in our country is really unique in that about 90% of the product is made right here in the United States. And the vast majority is made by your three companies [Abbott, Gerber, and Mead Johnson]. And so it should be no surprise that when something goes wrong, like what happened in Sturgis, it really rocks the whole industry and the facility in Sturgis is responsible for 40% of Abbott's formula on the market and makes up about 20% of the total formula on the market in the US, and that is really significant, especially when this year Similac has the contract with WIC. 5:10:40 Rep. Buddy Carter (R-GA): Okay, the supply chain issues, is that because some of the ingredients were coming from other countries? Chris Calamari: Representative, yes, so global supply chains are such that we have ingredients coming from global sources and that is the nature of our supply chain. 5:19:29 Rep. Diana DeGette (D-CO): Let's say my daughter, who has a six-week-old baby, called me up and said, “I need to get some formula for my baby. And my store shelves are bare.” What can we tell them between now and all of the emergency measures we put into place to start putting formula on the shelves? Who should they call? Where can they go to try to get some of this limited product right now? What's the practical suggestion? Robert Cleveland: It's very unfortunate that you have to answer that question or ask that question, but let me do my best to answer it. I think the shelves — the reality is they don't have anywhere near the product that they do. So one of the things I've often said during this crisis is it takes a village to raise a child. In this case, sometimes it's taking a village to find infant formula. So the first thing to do is work with your network of family and friends, and as they go to the stores, look for the product that's there. And I've seen many mothers and grandmothers and fathers and cousins doing this on the shelf. You can call our Consumer Response Center. Now to be fair, those folks are doing a phenomenal job of fielding waves and waves of calls. But we will help you if you call. That's one other resource. The physician's office is another. Sometimes they do have the samples that are required, and they can help transition between finding product on the shelf. And then I would be sure to look online as well as in-person at the store and be open to other formats. Many mothers and fathers have a particular type of format they like. You may need to be more flexible in the format that you use. But all infant formula regulated by the FDA is safe for your infant, whether it's a liquid or a powder or what size it's in. And so I would say shop widely. See your doctor or enroll your family friends, give us a call if you need to, and be flexible. THE INFANT FORMULA CRISIS May 25, 2022 Committee on Appropriations: Subcommittee on Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Witnesses: Ginger Carney, Director of Clinical Nutrition, St. Jude Children's Research Hospital Sarah Chamberlin, Executive Director, National PKU News Michael Gay, Owner and Manager, Food Fresh Brian Ronholm, Director of Food Policy, Consumer Reports Linkedin Clips 32:29 Michael Gay: WIC's rigid rules have made it difficult for the program to be responsive to critical shortages throughout the pandemic and now during the formula crisis. Substitutions may be easily available when situations like this arise. The emergency waivers instituted by the USDA during the pandemic have provided flexibility in some states, but those waivers were only available because of the pandemic. To prevent this issue from happening in the future, Congress should allow WIC vendors operating during severe supply shortages, disasters or public health emergencies to automatically substitute limited WIC approved products impacted by supply chain disruptions. The USDA should direct states to include product substitutions for WIC in their emergency preparedness plan. These changes would have allowed families to immediately switch to another formula in states with shortages allowing for smooth continuation of feeding infants. 33:27 Michael Gay: Secondly, there's a significant need for USDA to examine the long term effects of cost containment, competitiveness and peer grouping formulas for WIC vendors. States operate a peer group system to monitor vendor prices and determine reimbursements are cost competitive. These cost containment measures have led to reduced retail embursement and reduced retailer participation in the program, leading to fewer locations for families to access formula. 33:55 Michael Gay: WIC infant formula cost containment measures have led to extreme consolidation in the formula marketplace, leaving it highly vulnerable to supply disruptions like we are experiencing now. These contracting policies must be reviewed to ensure future food security of the nation's babies and families. 41:50 Brian Ronholm: The evidence suggests that the agency was too slow to act, failed to take this issue seriously, and was not forthcoming with information to parents and caregivers. The infant formula crisis exposed a greater structure and culture problem that has long existed FDA. This was merely one symptom of the overall problem, and it is clear that confidence in the food program at the FDA is eroding. A big reason for this is the food program has second class status within FDA, and it's resulted in serious problems. The FDA also lacks a single, full-time, fully empowered expert leader of all aspects of the food program. As you know, in recent decades, most FDA commissioners have been medical specialists who naturally focus on the programs impacting medical products. This is certainly warranted considering the impact these programs have on public health. And the pandemic is a perfect example of this. However, this usually results in intense competition for the commissioner's time and support and focus on the food program is typically what has suffered under this dynamic. It has become impossible for an FDA commissioner to possess the bandwidth to provide leadership and accountability to a set of offices that regulates 80% of our food supply. 51:45 Ginger Carney: I would want to warn parents not to make homemade formulas — the American Academy of Pediatrics warns against that — they should not dilute the formula, as both of these situations can lead to disastrous results and lead possibly to hospital admissions. 56:40 Brian Ronholm: Splitting out the food safety functions of the agency as it exists now and creating separate agencies while still remaining under the HHS umbrella would be an effective approach that would get to the issues that I think everyone has become aware of during this crisis. 59:32 Rep. Rosa DeLauro (D-CT): We now have 15 agencies at the federal level who deal with some form of food safety, the principal ones are USDA and FDA. It should be one single agency! 1:06:30 Michael Gay: In a rural area such as ours, probably 85-90% of my formula is WIC formula, which is just down to one type of formula. So even like today, for example, or my truck Monday, I got about 20 cases of Gerber formula in a different variety, but that's not approved on what and the Georgia WIC office just approved some substitutions for formulas that were, you know, prescribed by the doctor with the contract formula. So therein lies the problem is there's no easy way to substitute that for the customer. 1:23:29 Brian Ronholm: Four companies that control 90% of the market and only three of them actually bid on WIC rebate contracts. Abbott is by far the largest one and I believe they have contracts in 30 or 31 states, I think it was the latest figure. So when those contracts come up, these companies submit based on their ability to meet the demand in a particular state, and Abbott is usually the only one that's big enough to do that. We mentioned that they have a large part of the market, I think when it comes to the WIC market, they have approximately 55 to 60% of the WIC market. So that's a significant size of the market that it really needs to be examined so when situations like this hit, how does it impact that particular….And it's obviously going to have a bigger impact because these companies use the WIC market to get into the overall non-WIC market to even increase the share of their market, so that creates further shortage problems. 1:40:35 Ginger Carney: One thing that we really haven't talked about is the WHO code for marketing breast milk substitutes. And that's what these formulas are, they're breast milk substitutes. So if we look at the WHO code in other countries, other developed countries are abiding by the WHO code and this gives guidelines for how companies can market their infant formulas in a safe way. So maybe we should go back to that and think about what is it about the WHO code that would benefit all of our families in the country so that they are assured when they do have to reach for infant formula when breastfeeding cannot be an option or will not be an option? What are the things that are marketed directly to our families that tell them about the formula? 1:44:20 Rep. Debbie Wasserman Schultz (D-FL): Half of all US formula consumption goes through the WIC program, which provides free infant formula as we've been talking about today, where states negotiate bulk discounts in exchange for market exclusivity. Now, I'll take you back to 1989 when Republican President George Bush enacted legislation requiring all state WIC programs to use competitive bidding for the purchase of infant formula. In practice, this means that the state of Florida for example is required to use a single supplier for the entire state supply of WIC baby formula. The competitive bidding process has yielded $1.3 billion to $2 billion a year in savings and allowing WIC to serve about 2 million more participants annually because of the discounts. However, when there's a supply shock caused by one of the four market participants, like what happened with Abbott in this case, it creates a serious risk to infant health across the country. 1:48:00 Rep. Debbie Wasserman Schultz (D-FL): We know that in Europe, they consistently produce a baby formula surplus. But there are rigid labeling and nutritional requirements for formula containers here in the US that the FDA requires and they prohibit the sale of many European-made products, even though the formulas themselves meet FDA nutritional and purity standards. So what sort of policy changes would you like to see undertaken to ease restrictions on baby formula imports, while still ensuring that the product meets our safety standards? Brian Ronholm: Yeah, I think it's critical that we maintain those safety standards that FDA has set on infant formula, that's absolutely critical. There's a comfort level with consumers when they're able to purchase something that they know is an FDA inspected facility overseas. But to your point, sometimes these regulations, these really strict regulations are thinly disguised trade protection measures. And so you know, that's certainly an issue that we'd have to examine carefully to make sure that we can have that access. Cover Art Design by Only Child Imaginations Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)