Podcasts about idr

In this episode, Suzanne Spradley and Chase Cannon discuss the No Surprises Act (NSA) and its impact on out-of-network (OON) billing, with the independent dispute resolution (IDR) process at its core. Suzanne starts with an outline of the NSA and OON billing, how surprise bills arise, and how the IDR process is meant to help with carrier and provider disputes on bill payment amounts. Suzanne and Chase discuss CMS's involvement and the data gathered, shedding light on how IDR entities are selected, how disputes are handled, who's winning, and the amounts being paid. The two close with a discussion of the fairness of the process and the impact on healthcare costs for employers and their group health plans.

Wolverhampton Wanderers spillede tre kampe mod Stævnet i Københavns Idrætspark i 1939, hvor klubben i et par år havde eksperimenteret med at give spillerne indsprøjtninger med et ekstrakt fra abetestikler - en metode, der også bredte sig til andre engelske klubber i mellemkrigstiden.Stævnekampene indgik i forberedelserne til DBU's 50-års jubilæumsturnering, og unionen havde hyret englænderen Ted Magner til at træne en stor bruttotrup, hvorfra man også udtog Stævnets hold. Det betød, at den københavnske fodboldsammenslutning til en af kampene stillede med hele ni spillere fra provinsklubber.I 1954 kom Wolverhampton igen og spillede en enkelt kamp i Idrætsparken, og nu med sin tidligere stjernespiller Stan Cullis som en ung og succesfuld manager. Han havde netop havde ført klubben til det første engelske mesterskab, hvilket blev starten på deres guldalder i 50'erne med flere titler og topplaceringer.I december 1954 udråbte engelsk presse Wolves til verdens bedste klubhold, da de vendte 0-2 til 3-2 over Honved Budapest i en venskabskamp på Molineux - og det satte skub i planerne om de europæiske klubturneringer, der så dagens lys året efter.Din podcastvært i denne “ulvetime” er Torkil Fosdal, som har skrevet og udgivet bogen “Hvis tribunerne kunne tale” om Københavns Idrætsparks historie fra 1911-90.

I'm thrilled to have John Swallow, CEO of Idaho Strategic, back on the podcast. John has been one of my favorite guests over the years. He's built Idaho Strategic $IDR from a near-bankrupt entity to a $160M+ company today (as of this podcast). I first had John on the podcast last February. Things were a lot different then. Gold is much higher now. IDR is profitable. They have no net debt. But John isn't satisfied. He's building a real company. One that will last for decades after he's gone. This is the story on how he plans to do that, what makes IDR unique, and why building a business by starting small still makes sense. Finally, a big thanks to our sponsors for making this episode happen.MitimcoThis episode is brought to you by MIT Investment Management Company, also known as MITIMCo, the investment office of MIT. Each year, MITIMCo invests in a handful of new emerging managers who it believes can earn exceptional long-term returns in support of MIT's mission. To help the emerging manager community more broadly, they created ⁠⁠⁠⁠emergingmanagers.org⁠⁠⁠⁠, a website for emerging manager stockpickers.I highly recommend the site for those looking to start a stock-picking fund or just learning about how others have done it. You'll find essays and interviews by successful emerging managers, service providers used by MIT's own managers, essays MITIMCo has written for emerging managers, and more!TIKRTIKR is THE BEST resource for all stock market data, I use TIKR every day in my process, and I know you will too. Make sure to check them out at ⁠⁠⁠⁠TIKR.com/hive⁠⁠⁠⁠.

(02:00): Miljøorganisation kritiserer S for at oversælge elbiler som grønne. Medvirkende: Tobias Jespersen, aktiv i miljøorganisationen NOAH. (13:00): Idrætsprofessor: Ingen cykelrytter bør mistænkes på baggrund af fortidens dopingproblem - Men Pogacar kører godt nok stærkt.. Medvirkende: Lars Nybo, Professor på Institut for Idræt og Ernæring ved Københavns Universitet. (30:00): Top-islamist arbejder hos statsligt energiselskab. Medvirkende: Stiig Wæver, sikkerheds- og efterretningsekspert & fhv. agent for PET. (43:00): Henrik Dahl: Roskilde Festival hylder terrorgruppe. Medvirkende: Henrik Dahl, medlem af europarlamentet for Liberal Alliance. Værter: Anne Phillipsen og Kasper Harboe See omnystudio.com/listener for privacy information.

POUR SOUTENIR BENJAMIN, LE FILS D'ADRIEN, ATTEINT D'UNE PARALYSIE CÉRÉBRALE (TOUSENSEMBLEPOURBENJAMIN) : https://www.instagram.com/tousensemblepourbenjamin?igsh=MXEwbW1kZz%7C1am5kYw%3D%3Dhttps://www.facebook.com/tousensemblepourbenjaminCette semaine, on prend la direction de la campagne pour une discussion qui sort des sentiers battus ! Adrien, agriculteur et investisseur immobilier. Un profil ultra résilient qui jongle entre les cotations mondiales des céréales et les emprunts pour ses immeubles. 

VOV1 - Bộ Nông nghiệp Indonesia hôm qua cho biết các hành vi gian lận nghiêm trọng trong hoạt động buôn bán gạo ở Indonesia , với phương thức thao túng giá cả và chất lượng ở cấp độ phân phối đã gây thiệt hại cho người tiêu dùng lên tới 99,35 nghìn tỷ IDR- khoảng hơn 6 tỷ đôla Mỹ.

We've helped over 20,000 borrowers manage more than $2.7 billion in student loans and assets—and we're not politicians or lobbyists. We're real experts who've seen the good, the bad, and the absurd. In this episode, two of our FitBUX experts break down what we believe is the real solution to the student loan crisis. We talk through the root of the problem, the blind spots most people (and policymakers) overlook, and the practical fixes that would actually help borrowers—not confuse them more. Whether you're a student, a recent grad, or already in repayment, this discussion will open your eyes to the truth behind the chaos—and what can be done about it.

I have mentioned before a program I attend entitled Podapalooza. This quarterly event brings together podcasters, would-be podcasters and people interested in being interviewed by podcasters. This all-day program is quite fun. Each time I go I request interview opportunities to bring people onto Unstoppable Mindset. I never really have a great idea of who I will meet, but everyone I have encountered has proven interesting and intriguing.   This episode we get to meet Dr. Laura Hambley Lovett who I met at Podapalooza 12. I began our episode by asking Laura to tell me a bit about her growing up. We hadn't talked about this before the episode. The first thing she told me was that she was kind of an afterthought child born some 12.5 years after her nearest sibling. Laura grew up curious about many things. She went to University in Calgary. After obtaining her Master's degree she worked for some corporations for a time, but then went back to get her Doctorate in Organization Psychology.   After discussing her life a bit, Dr. Laura and I discussed many subjects including fear, toxic bosses and even something she worked on since around 2005, working remotely. What a visionary Laura was. I like the insights and thoughts Dr. Lovett discusses and I think you will find her thoughts worth hearing.   On top of everything else, Laura is a podcaster. She began her podcast career in 2020. I get to be a guest on her podcast, _Where Work Meets Life_TM, in May of 2025. Be sure to check out her podcast and listen in May to see what we discuss.   Laura is also an author as you will learn. She is working on a book about toxic bosses. This book will be published in January of 2026. She also has written two fiction books that will soon be featured in a television series. She tells us about what is coming.       About the Guest:   Dr. Laura Hambley Lovett is an Organizational Psychologist, Keynote Speaker, Business Leader, Author, and Podcast Host. She is a sought-after thought leader on workplace psychology and career development internationally, with 25 years of experience. Dr. Laura is a thought leader on the future of work and understands the intersection of business and people.     Dr. Laura's areas of expertise include leadership, team, and culture development in organizations, remote/hybrid workplace success, toxic leadership, career development, and mental health/burnout. She holds a Ph.D. in Industrial/Organizational Psychology from the University of Calgary, where she is currently an Adjunct Professor.     As a passionate entrepreneur, Dr. Laura has founded several psychology practices in Canada since 2009, including Canada Career Counselling, Synthesis Psychology, and Work EvOHlution™ which was acquired in 2021.  She runs the widely followed podcast _Where Work Meets Life_TM, which began in 2020.  She speaks with global experts on a variety of topics around thriving humans and organizations, and career fulfillment.     In addition to her businesses, she has published two psychological thrillers, Losing Cadence and Finding Sophie. She hopes to both captivate readers and raise awareness on important topics around mental health and domestic violence.  These books are currently being adapted for a television series.  Dr. Laura received a Canadian Women of Inspiration Award as a Global Influencer in 2018. Ways to connect with Dr. Laura:   Email: Connect@drlaura.live   Website: https://drlaura.live/    LinkedIn: @drlaurahambley/    Keynotes: Keynotes & Speaking Engagements   Podcast: Where Work Meets Life™ Podcast   Author: Books   Newsletter: Subscribe to Newsletter   Youtube: @dr.laurawhereworkmeetslife   Facebook: @Dr.Laura.whereworkmeetslife   Instagram: @dr.laura__   Tik Tok: @drlaura__   X: @DrLaura_   About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:     Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.     Michael Hingson ** 01:21 Well, hi everyone, wherever you happen to be, I want to welcome you to another episode of unstoppable mindset. I am your host, Mike hingson, and we have, I think, an interesting guest today. She's an organizational psychologist. She is a keynote speaker, and she even does a podcast I met Dr Laura through a function that we've talked about before on this podcast, Pata palooza. We met at pollooza 12. So that goes back to January. I think Dr Laura is an organizational psychologist. As I said, she's a keynote speaker. She runs a podcast. She's written books, and I think you've, if I'm not mistaken, have written two fiction books, among other things, but we'll get to all that. But Laura, I want to welcome you to unstoppable mindset. And thank you very much for being here.   Dr. Laura Hambley Lovett ** 02:12 Well, thank you for having me, Michael. I really think the world of you and admire your spirit, and I'm just honored to be here speaking with you today. Well,   Michael Hingson ** 02:22 as I tell people when they come on the podcast, we do have one hard and fast rule, and that is, you're supposed to have fun. So if you can't have fun, forget about   Dr. Laura Hambley Lovett ** 02:30 it. Okay, alright, I'm willing to There   Michael Hingson ** 02:34 you go see you gotta have a little bit of fun. Well, why don't we start as I love to do with a lot of folks tell us kind of about the early Laura, growing up and all that, and kind of how you got where you are, if you will. Oh, my goodness, I know that opens up a lot of options.   Dr. Laura Hambley Lovett ** 02:52 I was an afterthought child. I was the sixth child of a Catholic mother who had five children in a row, and had me 12 years later, unplanned, same parents, but all my siblings are 12 to 19 years older than me, so I was caught between generations. I always wanted to be older than I was, and I felt, you know, I was almost missing out on the things that were going on before me. But then I had all these nieces and nephews that came into the world where I was the leader of the pack. So my niece, who's next in line to me, is only three years younger, so it just it makes for an interesting dynamic growing up where you're the baby but you're also the leader. Well,   Michael Hingson ** 03:39 lot of advantages there, though I would think,   Dr. Laura Hambley Lovett ** 03:42 Oh yeah, it taught me a lot about leadership. It taught me about followership. It taught me about life and learning the lessons from my older siblings of what you know, they were going through and what I wanted to be like when I grew up.   Michael Hingson ** 03:58 So, so what kind of things did you learn from all of that? And you know, what did, what did they teach you, and what did they think of you, all of your older siblings? Oh, they loved me. I was, I bet they were. Yeah, you were the baby sister.   Dr. Laura Hambley Lovett ** 04:13 But I should add my mom was mentally ill, so her mental illness got worse after having me, I think, and I know this about postpartum, as you get older and postpartum hits, it can get worse later on and and she suffered with a lot of mental health challenges, and I would say that that was the most challenging part of growing up for me.   Michael Hingson ** 04:42 Did she ever get over that? Or?   Dr. Laura Hambley Lovett ** 04:45 No, we just, I mean, it had its ups and downs. So when times were good, she was great, she was generous, she was loving. She was a provider, a caretaker. She had stayed at home her whole life, so she was the stay at home mom, where you'd come home from school. And there'd be hot, baked cookies and stuff, you know, she would really nurture that way. But then when she had her lows, because it was almost a bipolar situation, I would, I would say it was undiagnosed. I mean, we never got a formal diagnosis, but she had more than one psychotic break that ended her in the hospital. But I would say when she was down, she would, you know, run away for a few days and stay in another city, or have a complete meltdown and become really angry and aggressive. And, I mean, it was really unpredictable. And my father was just like a rock, just really stable and a loving influence and an entrepreneur like I am, so that, you know, he really helped balance things out, but it was hard on him as well,   Michael Hingson ** 05:48 I'll bet. Yeah, that's never easy. Is she still with us, or is she passed?   Dr. Laura Hambley Lovett ** 05:53 No, she got dementia and she passed. The dementia was about 12 years of, you know, turning into a baby. It's so sad that over 12 years, we just she lost her mind completely, and she died in 2021 and it was hard. I mean, I felt like, oh, man, you know, that was hard. I you know, as much as it was difficult with her and the dementia was difficult. I mean, she was my mother, and, yeah, it was a big loss for me. And I lost my father at age 21 and that was really hard. It was a very sudden with an aneurysm. And so that was in 1997 so I've been a long time without parents in my life.   Michael Hingson ** 06:30 Wow. Well, I know what you mean. My father, in this is his opinion, contracted some sort of a spore in Africa during World War Two, and it manifested itself by him losing, I think it was white blood cells later in his life, and had to have regular transfusions. And eventually he passed in 1984 and my belief is, although they classified it as congestive heart failure, he had enough other diseases or things that happened to him in the couple of years before he passed. I think it was actually HIV that he died from, because at that time, they still didn't understand about tainted blood, right? And so he got transfusions that probably were blood that that was a problem, although, you know, I can't prove that, and don't know it, but that's just kind of my opinion.   Dr. Laura Hambley Lovett ** 07:34 Oh, I'm so sorry to hear that, Michael, that is so, so sad.   Michael Hingson ** 07:38 Yeah. And then my mom was a smoker most of her life, and she fell in 1987 and broke her hip, and they discovered that she also had some some cancer. But anyway, while she was in the hospital recovering from the broken hip, they were going to do some surgery to deal with the cancer, but she ended up having a stroke and a heart attack, and she passed away. So Oh, my God. I lost my mom in 1987   Dr. Laura Hambley Lovett ** 08:04 and you know, you were young. Well,   Michael Hingson ** 08:08 I was, I was 37 when she died. So still, I missed them both, even today, but I I had them for a while, and then my brother, I had until 2015 and then he passed from cancer. So it happens, and I got married in 1982 to my wife, Karen, who was in a wheelchair her whole life, and she passed in 2022 so we were married 40 years. So lots of memories. And as I love to tell people all the time, I got to continue to be a good kid, because I'm being monitored from somewhere, and if I misbehave, I know I'm going to hear about it. So,   Dr. Laura Hambley Lovett ** 08:49 you know, well, that's a beautiful, long marriage that the two of you had   Michael Hingson ** 08:55 was and lots of memories, which is the important things. And I was blessed that with September 11 and so on, and having written thunder dog, the original book that I wrote about the World Trade Center and my life, it was published in 2011 and I was even reading part of it again today, because I spoke at a book club this morning, it just brings back lots of wonderful memories with Karen, and I just can't in any way argue with the fact that we did have a great 40 years. So no regrets.   Dr. Laura Hambley Lovett ** 09:26 Wow, 40 years.   Michael Hingson ** 09:30 Yeah. So, you know, it worked out well and so very happy. And I know that, as I said, I'm being monitored, so I I don't even chase the girls. I'm a good kid. Chris, I would point out none of them have chased me either. So, you know,   Dr. Laura Hambley Lovett ** 09:49 I love your humor. It's so awesome. So we gotta laugh, Mark, because the world's really tricky right now. Oh gosh, isn't it? It's very tricky. And I'd love to talk. About that today a bit, because I'm just having a lot of thoughts about it and a lot of messages I want to get across being well, you are well psychologist and a thought leader and very spiritual and just trying to make a difference, because it's very tricky.   Michael Hingson ** 10:16 So how did you get into psychology and all that. So you grew up, obviously, you went to college and tell me about that and how you ended up getting into the whole issue of psychology and the things that you do. Well,   Dr. Laura Hambley Lovett ** 10:30 I think being the youngest, I was always curious about human dynamics in my family and the siblings and all the dynamics that were going on, and I was an observer of all of that. And then with my mother and just trying to understand the human psyche and the human condition. And I was a natural born helper. I always wanted to help people, empathetic, very sensitive kid, highly sensitive person. So then when I went into psycho to university. We University. We call it up here for an undergrad degree, I actually didn't know what I wanted to do. I was a musician as well. I was teaching music throughout high school, flute and piano. I had a studio and a lot of students. And thought, well, maybe do I want to do a music degree? Or, Oh, maybe I should go into the family business of water treatment and water filtration that my father started for cities, and go in and do that and get a chemical engineering degree. Not really interested in that, though, no. And then just kind of stumbled my way through first year. And then I was really lost. And then I came across career counseling. And I thought, Okay, this is going to help me. And it did. And psychology lit up like a light bulb. I had taken the intro to psych course, which is more of a hodgepodge mix of topics. I'm like, yeah, and then, but when I looked at the second year courses in the third year and personality and abnormal psych and clinical psych and all of that. I thought, Oh, I found my place. This is juicy. This is interesting. And I want to help people. Is   Michael Hingson ** 12:09 this to say you fit right in when you were studying Abnormal Psychology? Just checking,   Dr. Laura Hambley Lovett ** 12:14 yeah, probably okay. I actually didn't go down the clinical psych route, which is where it's the clinical psych and the psychiatrists that tackle more of the personality disorders. So I went into counseling psych, which is the worried well. We call it the worried well. So people like you and I who are going through life, experiencing the various curve balls that life has to offer, and I know you've been through more than your fair share, but it's helping people get through the curve balls. And I specialized in career, I ended up saying people spend most of their waking lives, you know, working or thinking about work as part of their identity. So I specialized in career development psychology in my master's degree.   Michael Hingson ** 13:01 Yeah, well, that's, that's certainly, probably was easier than flute and piano. You couldn't do both of those at the same time.   Dr. Laura Hambley Lovett ** 13:07 I ended up having to, yeah, it became too much. I tried to for a while.   Michael Hingson ** 13:13 Yeah, you can play the flute or the piano, but kind of hard to do both at the same time. Oh,   Dr. Laura Hambley Lovett ** 13:18 at the same time, yeah, unless you play with your toes, which I've seen people actually people do that, yeah, do Yeah. There's this one speaker in our national speakers group, and he he does a lot with his toes, like I remember him playing the drums with his toes at his last keynote. So I was just amazed. So horn with no arms and does everything with his feet. So I bet he could do some piano too. There you go.   Michael Hingson ** 13:49 But then, of course, having no arms and he would also have a problem doing piano at the same time. But, you know, that's okay, but still, so you went into to psychology, which I find is a is a fascinating subject. Anyway, my interest was always in the physical sciences, so I got my master's degree in physics, although I did take a couple of psychology courses, and I enjoyed it. I remember the basic intro to psych, which was a lot of fun, and she's had a real hodgepodge, but still it was fascinating. Because I always was interested in why people behave the way they do, and how people behave the way they do, which is probably why I didn't go into theoretical physics, in a sense. But still it was and is very interesting to see how people behave, but you went off and got your masters, and then you also got a PhD along the line, huh?   Dr. Laura Hambley Lovett ** 14:47 Yeah, that was interesting. I did the Masters, and then I always did things a little differently. Michael, so all of my peers went on to become registered psychologists, which, which means you have. To go through a registration process, and instead, I got pulled into a.com company. We called them dot coms at the time, because in 1999 when I started with a.com It was a big thing. I mean, it was exciting, right? It was and it was a career development related.com that had a head office in New York City, and I ended up leading a team here in Calgary, and we were creating these technologies around helping people assess their passions, their interests, their skills, and then link to careers. We had about 900 careers in our database, and then linking people to educational programs to get them towards those careers. So I remember coming up a lot of times to Rutgers University and places like that, and going to New York City and dealing with that whole arena. So I was, you know, from a young age, I'd say I was too young to rent a car when I flew there, but I had a team of about 15 people that I oversaw, and it was great experience for me at an early age of, okay, you know, there's a lot I'm learning a lot here, because I really wasn't trained in Business and Management at that time, right?   Michael Hingson ** 16:17 But you But you did it.   Dr. Laura Hambley Lovett ** 16:20 I did it, yeah, I did it. And then I ended up working for another consulting firm that brought me into a whole bunch of organizations working on their competency models. So I did a lot of time in the Silicon Valley, working in different companies like Cisco, and I was just in this whole elaborate web of Okay. Organizations are quite interesting. They're almost like families, because they have a lot of dynamics there. It's interesting. And you can make a difference, and you can help the organization, the people in the workplace, you know, grow and thrive and develop. And I'm okay, you know, this is interesting, too. I like this. And then at that time, I knew I wanted to do a doctorate, and I discovered that organizational Psych was what I wanted to do, because it's the perfect blend of business and psychology. Because I'm a serial entrepreneur, by the way, so entrepreneurship, psychology, business, kind of the best of both worlds. Okay, I'm going to do that, so that's what I did.   Michael Hingson ** 17:24 That certainly is kind of cool. So when did you end up getting your doctorate?   Dr. Laura Hambley Lovett ** 17:28 I finished that in 2005   Michael Hingson ** 17:31 okay, were you working while you were doing that? Or did you just go back to school full   Dr. Laura Hambley Lovett ** 17:36 time? I had to go back to school because the program was very heavy. It was a program where you could not work full time during it. I still worked part time during it. I was working hard because I was registering as a psychologist at the same time, I knew I wanted to register and become a psychologist, and I knew I wanted to get that doctorate, and there were times when I almost stepped away, especially at the beginning of it, because when you're out in the real world, and then you go back into academia, it's just such a narrow How do I explain this? How does this, how is this relevant? You know, all these journal articles and this really esoteric, granular research on some little itty, itty bitty thing. And I just really struggled. But then I said, So I met with someone I remember, and she she said, Laura, it's like a car. When you buy a car, you can choose your own car seats and color, and you know, the bells and whistles of your car, and you can do that for the doctorate. And I said, Okay, I'm going to make the doctorate mine, and I'm going to specialize in a topic that I can see being a topic that the world of work will face in the future. So I specialized in remote leadership, and how you lead a team when they're not working in the same office, and how you lead and inspire people who are working from home. And that whole notion of distributed work, which ended up becoming a hot topic in the pandemic. I was, I was 20 years, 15 years ahead of the game. Yeah. Well, that,   Michael Hingson ** 19:09 of course, brings up the question of the whole issue of remote work and stuff during the pandemic and afterward. What do you what do you think has been the benefit of the whole concept of remote work. What did people learn because of the pandemic, and are they forgetting it, or are they still remembering it and allowing people to to work at home? And I ask that because I know in this country, our illustrious president is demanding that everybody go back to work, and a lot of companies are buying into that as well. And my thought has always been, why should we worry about where a person works, whether it's remote or in an actual office, so long as they get the work? Done, but that seems to, politically not be the way what people want to think of it today.   Dr. Laura Hambley Lovett ** 20:06 Yeah, it's, I mean, I have a lot to say on it, and I have years and years of data and research that supports the notion that it's not a one size fits all, and a blend tends to be the best answer. So if you want to preserve the culture and the collaboration, but yet you want to have people have the flexibility and autonomy and such, which is the best of both worlds. Because you're running a workplace, you're not running a daycare where you need to babysit people, and if you need to babysit people, you're hiring the wrong people. So I would say I'm a biggest fan of hybrid. I think remote works in some context, I think bringing everyone back full time to an office is very, very old school command and control, leadership, old school command and control will not work. You know, when you're trying to retain talent, when it's an employer's market, yes, you'll get away with it. But when it goes back to an employee's market. Watch out, because your generation Z's are going to be leaving in droves to the companies that offer flexibility and autonomy, same with some of your millennials, for sure, and even my generation X. I mean, we really value, you know, a lot of us want to have hybrids and want to be trusted and not be in a car for 10 to 20 hours a week commuting? Yeah? So,   Michael Hingson ** 21:27 yeah, I know I hear you, and from the baby boomer era, you know, I I think there's value in being in an office that is, I think that having time to interact and know colleagues and so on is important. But that doesn't mean that you have to do it every day, all day. I know many times well. I worked for a company for eight years. The last year was in New York because they wanted me to go to New York City and open an office for them, but I went to the office every day, and I was actually the first person in the office, because I was selling to the east coast from the west coast. So I opened the office and was on the phone by 6am in the morning, Pacific Time, and I know that I got so much more done in the first two to three hours, while everyone else was slowly filtering in, and then we got diverted by one thing or another, and people would gossip and so on. Although I still tried to do a lot of work, nevertheless, it got to be a little bit more of a challenge to get as much done, because now everybody was in and they wanted to visit, or whatever the case happens to be, and I think there's value in visiting, but I think from a working standpoint, if I'd been able to do that at home, at least part of the time, probably even more would have been accomplished. But I think there's value also in spending some time in the office, because people do need to learn to interact and know and trust each other, and you're not going to learn to trust if you don't get to know the other people.   Dr. Laura Hambley Lovett ** 23:08 Yeah, totally. I agree with you 100% and I know from it. I on my own podcast I had the founder of four day work week global, the four day work movement. I did four episodes on that topic, and yeah, people are not productive eight hours a day. I'll tell you that. Yeah, yeah. So just because you're bringing them into an office and forcing them to come in, you're not gonna it doesn't necessarily mean more productivity. There's so much that goes into productivity, apart from presenteeism, yeah,   Michael Hingson ** 23:45 yeah, I hear what you're saying, and I think there's, there's merit in that. I think that even when you're working at home, there are rules, and there you're still expected to do work, but there's, I think, room for both. And I think that the pandemic taught us that, but I'm wondering if we're forgetting it.   Dr. Laura Hambley Lovett ** 24:06 Oh yeah, that's the human condition. We forget, right? We, we forget. We it's almost I envision an icy ski slope. I'm a skier, you know, being up here in Canada and the Rocky Mountains, but it's a ski slope, and you walk up a few steps, and then you slide back so easily, because it's icy, right? Like you gotta just be aware that we slide back easily. We need to be intentional and stay on top of the why behind certain decisions, because the pendulum swings back so far so easily. And I mean, women's issues are one of those things we can slide back so quickly. After like, 100 years of women fighting for their rights, we can end up losing that very, very quickly in society. That's just one of many examples I know all the D, E and I stuff that's going on, and I. I mean, it's just heartbreaking, the extent of that pendulum slapping back the other way, so hard when we need to have a balance, and you know, the right balance, because the answer is never black and white, black or white, the answer is always some shade of gray.   Michael Hingson ** 25:20 How do we get people to not backslide? And I know that's a really tough question, and maybe there's no there, there very well may not really be an easy answer to that, but I'm just curious what your thoughts are.   Dr. Laura Hambley Lovett ** 25:37 That's a great question. Michael, I would envision almost ski poles or hiking poles. It's being grounded into the earth. It's being grounded into what are the roots of my values? What are my the values that we hold dear as human beings and as society, and sticking to those values, and, you know, pushing in to the earth to hold those values and stand up for those values, which I know is easier said than done in certain climates and certain contexts. And I mean, but I think it's really important to stand strong for what our values   Michael Hingson ** 26:20 are, yeah, I think that's really it. It comes down to values and principles. I know the late president, Jimmy Carter once said that we must adjust to changing times while holding to unwavering principles. And it seems to me you were talking about this being a tricky world. I thought that was an interesting way to express it. But I'm wondering if we're seeing all too many people not even holding to the unwavering principles, the sacrificing principles for political expediency and other things, yeah,   Dr. Laura Hambley Lovett ** 26:53 yes, exactly. And we know about values that sometimes values clash, right? So you might have a value that you want to have a lot of money and be financially, you know, successful, yet you have the value of work life balance and you want a lot of time off and and sometimes those values can clash, and sometimes we need to make decisions in our lives about what value takes precedence at this time in our life. But I think what you're right is that there's a lot of fear out there right now, and when the fear happens, you can lose sight of why those values are important to you for more of a shorter term, quick gain to get rid of the fear, because fear is uncertain and painful for humans.   Michael Hingson ** 27:44 Well, I wrote live like a guide dog, which is the latest book that was, that was published in August of last year, and it's all about learning to control fear, really. And the reality is, and what I say in the book, essentially is, look, fear is with us. I'm not going to say you shouldn't be afraid and that you can live without fear, but what you can do is learn to control fear, and you have the choice of learning how you deal with fear and what you allow fear to do to you. And so, for example, in my case, on September 11, that fear was a very powerful tool to help keep me focused going down the stairs and dealing with the whole day. And I think that's really the the issue is that fear is is something that that all too many people just have, and they let it overwhelm them, or, as I put it, blind them, and the result of that is that they can't make decisions, they can't move on. And so many things are happening in our world today that are fomenting that fear, and we're not learning how to deal with it, which is so unfortunate.   Dr. Laura Hambley Lovett ** 29:02 Yeah, you're right. And I back to your World Trade Center. So you were on, was it 778? 78 oh, my god, yeah. So to me, that must have been the scariest moment of your life.   Michael Hingson ** 29:17 I'm missing in a in a sense, no only until later, because none of us knew what was happening when the plane hit the building, which it did on the other side of the building from me and 1000s of others, and it hit above where we were. So going down the stairs, none of us knew what happened, because nobody saw it. And as I point out, Superman and X ray vision are fiction. So the reality is, it had nothing to do with blindness. The fact is, none of us knew going down the stairs. We figured out a plane hit the building because we smelled something that I eventually identified as burning jet fuel fumes, because I smell it every time I went to an airport. But we didn't know what happened. And. And and in a sense, that probably was a good thing for most people. Frankly, I would rather have known, and I can, I can say this, thinking about it a lot as I do, I would rather have known what happened, because it would have affected perhaps some of the decisions that I made later. If I had known that the buildings had been struck and there was a likelihood that they would collapse. I also know that I wouldn't have panicked, but I like information, and it's something that I use as a tool. But the fact is that we didn't know that. And so in a sense, although we were certainly worried about what was going on, and we knew that there was fire above us, we didn't know what it was all about.   Dr. Laura Hambley Lovett ** 30:41 Wow. And I would say, so glad you got out of there. I Yeah, what a horrific experience. I was up there the year before it happened. And I think being up there, you can just sense the the height of it and the extent of it, and then seeing ground zero after and then going there with my son last June and seeing the new world trade, it was just really, I really resonate with your or not resonate, but admire your experience that you got out of there the way you did, and thank goodness you're still in this world. Michael,   Michael Hingson ** 31:17 it's a weird experience having been back, also now, going through the museum and being up in the new tower, trying to equate where I was on September 11 and where things were with what it became when it was all rebuilt. There's no easy reference point, although I did some of the traveling around the area with someone who knew what the World Trade Center was like before September 11. And so they were able to say, Okay, you're standing in such and such a place, so you're standing right below where Tower One was. And then I could kind of put some reference points to it, but it was totally different. Needless to say,   Dr. Laura Hambley Lovett ** 32:05 Yeah, no kidding, but I think the fear that you go through during a disaster, right, is immediate like so the fight flight response is activated immediately, and you're, you're put into this almost state of flow. I call it a state where you time just is irrelevant. You're just putting one foot ahead of the other, right, right, right? Whereas the fear that society is going through right now, I think, is a projecting out into the future fear. It's not surviving this moment. It's more about I want to make sure I have enough money in the future, and I want to make sure I have safety in the future, or whatever it is, and you're projecting out, and you're living in the future, and you're worrying about the future, you're not living in the present, and it makes people kind of go crazy in the end, with anxiety, because we're not meant to be constantly worried about the Future. The only thing we can control is today and what we put into place for a better tomorrow, but fearing tomorrow and living in anxiety is so unhealthy for the human spirit,   Michael Hingson ** 33:13 and yet that's what people do, and it's one of the things we talk about and live like a guide dog. Worry about what you can control and don't worry about the rest. And you know, we spend so much time dealing with what if, what if this happens? What if that happens? And all that does, really is create fear in us, rather than us learning, okay, I don't really have control over that. I can be worried about the amount of money I have, but the real question is, what am I going to do about it today? And I know one of the lessons I really learned from my wife, Karen, we had some times when when we had significant debt for a variety of reasons, but like over the last few years of her life, we had enough of an income from speaking and the other things that I was doing that she worked really hard to pay down credit card bills that we had. And when she passed, most all of that was accomplished, and I was, I don't know whether she thought about it. She probably did, although she never got to the point of being able to deal with it, but one of the things that I quickly did was set up with every credit card company that we use paying off each bill each month, so we don't accrue credit, and so every credit card gets paid off, because now the expenses are pretty predictable, and so we won't be in that situation as long as I continue to allow things to get paid off every month and things like that. But she was the one that that put all that in motion, and it was something she took very, very seriously, trying to make sure. It. She brought everything down. She didn't really worry so much about the future. Is, what can I do today? And what is it that my goal is? Well, my goal is to get the cards paid off. I can do this much today and the next month. I can do this much today, which, which I thought was a great way and a very positive way to look at it. She was very methodical, but she wasn't panicky.   Dr. Laura Hambley Lovett ** 35:24 Mm, hmm. No, I like that, because panic gets us nowhere. It just It ruins today and it doesn't help tomorrow, right? Same with regret, regret you can't undo yesterday, and living in regret, guilt, living in the past is just an unhealthy place to be as well, unless we're just taking the learnings and the nuggets from the past. That's the only reason we need the past is to learn from it. You   Michael Hingson ** 35:52 have to learn from it and then let it go, because it's not going to do any good to continue to dwell on it.   Dr. Laura Hambley Lovett ** 35:57 Yeah, exactly.   Michael Hingson ** 36:00 Well, so you, you, you see so many things happening in this world. How do we deal with all of it, with all the trickiness and things that you're talking about?   Dr. Laura Hambley Lovett ** 36:10 Do you like that word, tricky? I like it. That's a weird word.   Michael Hingson ** 36:14 Well, I think it's, it's a different word, but I like it, it, it's a word that I think, personally, becomes non confrontive, but accurate in its descriptions. It is tricky, but, you know, we can, we can describe things in so many ways, but it's better to do it in a way that isn't judgmental, because that evokes attitudes that we don't need to have.   Dr. Laura Hambley Lovett ** 36:38 Yeah, if I use the word scary or terrible, or, I think those words are, yeah, just more anxiety provoking. Tricky can be tricky. Can be bad, tricky can be a challenge,   Michael Hingson ** 36:52 right? Like a puppy, unpredictable, or, you know, so many things, but it isn't, it isn't such a bad thing. I like that.   Dr. Laura Hambley Lovett ** 37:03 How do we navigate a tricky world? Well, we we need to focus on today. We need to focus on the things that we can control today, physically, mentally, emotionally, socially and spiritually, the five different arenas of our life and on any given day, we need to be paying attention to those arenas of our life and how are they doing. Are we healthy physically? Are we getting around and moving our bodies? Are we listening to our bodies and our bodies needs? Are we putting food into our bodies, and are we watching what we drink and consume that could be harming our bodies, and how does it make us feel? And are we getting enough sleep? I think sleep is a huge issue for a lot of people in these anxiety provoking times.   Michael Hingson ** 37:56 Well, I think, I think that's very accurate. The question is, how do we learn to do that? How do we teach ourselves?   Dr. Laura Hambley Lovett ** 38:07 How do we learn to do all that   Michael Hingson ** 38:09 stuff? How do we how do we learn to deal with the things that come up, rather than letting them all threaten us and scare us?   Dr. Laura Hambley Lovett ** 38:20 Oh, that's a big question. I think that well, the whole the five spheres, right? So if you're taking care of your physical health and you're making that a priority, and some people really struggle with that, and they need a buddy system, or they need professional helpers, right, like a coach or a trainer or a psychologist like me, or whatever it is that they need the extra supports in place, but the physical super important, the making sure that we are socially healthy and connectedness is more important than ever. Feeling connected to our tribe, whatever that is, our close friends. You know, whether we have family that we would consider friends, right? Who in our team is helpful to us and trusted allies, and if we can have the fingers of one hand with close people that we trust in our lives, that's that's great, right? It doesn't have to be 100 people, right? It can be a handful, over your lifetime of true allies to walk through this world together.   Michael Hingson ** 39:26 One of the things that I've talked about it a bit on this podcast, but I I love the the concept that I think I've come up with is I used to always say I'm my own worst critic, and I said that because I love to record, and I learned the value of recording speeches, even going back to when I worked at campus radio station at kuci in Irvine campus radio station, I would listen to my show, and I kind of forced all the On Air personalities. 90s to listen to their own shows by arranging for their shows to be recorded, because they wouldn't do it themselves. And then I sent recordings home with them and said, You've got to listen to this. You will be better for it. And they resisted it and resisted it, but when they did it, it was amazing how much they improved. But I as I recorded my talks, becoming a public speaker, and working through it, I kept saying, I record them because I'm my own worst critic. I'm going to pick on me harder than anyone else can. And it was only in the last couple of years because I heard a comment in something that I that I read actually, that said the only person who can really teach you anything is you. Other people can present information, they can give you data, but you are really the only one who can truly teach you. And I realized that it was better to say I'm my own best teacher than my own worst critic, because it changes the whole direction of my thought, but it also drops a lot of the fear of listening or doing the thing that I was my own worst critic   Dr. Laura Hambley Lovett ** 41:10 about. I love that, Michael. I think that's genius. I'm my own best teacher, not my own worst critic,   Michael Hingson ** 41:19 right? It's it's positive, it's also true, and it puts a whole different spin on it, because one of the things that we talk about and live like a guide dog a lot is that ultimately, and all the things that you say are very true, but ultimately, each of us has to take the time to synthesize and think about the challenges that we face, the problems that we faced. What happened today that didn't work well, and I don't use the word fail, because I think that also doesn't help the process. But rather, we expected something to happen. It didn't. It didn't go well. What do we do about it? And that ultimately, taking time at the end of every day, for example, to do self analysis helps a lot, and the result of that is that we learn, and we learn to listen to our own inner mind to help us with that   Dr. Laura Hambley Lovett ** 42:17 exactly, I think that self insight is missing in a lot of us, we're not taking the time to be still and to listen to the voice within and to listen to what we are thinking and feeling internally, because we're go, go, go, go, go, and then when we're sitting still, you know what we're doing, we're on our phones,   Michael Hingson ** 42:41 and That's why I say at the end of the day, when you're getting ready, you're in bed, you're falling asleep. Take the time. It doesn't take a long time to get your mind going down that road. And then, of course, a lot happens when you're asleep, because you think about it   Dr. Laura Hambley Lovett ** 43:01 exactly. And you know, I've got to say, however spirituality is defined, I think that that is a key element in conquering this level of anxiety in society. The anxiety in society needs to be conquered by a feeling of greater meaning and purpose and connectedness in the human race, because we're all one race, the human race, in the end of the day, and all these divisions and silos and what's happening with our great you know, next door neighbors to each other, the US and Canada. It's the way that Canada is being treated is not not good. It's not the way you would treat a neighbor and a beloved neighbor that's there for you. In the end of the day, there's fires in California. We're sending our best fire crews over. You know, World War One, where my grandpa thought and Vimy Ridge, Americans were struggling. British could not take Vimy. It was the Canadians that came and, you know, got Vimy and conquered the horrific situation there. But in the end, we're all allies, and we're all in it together. And it's a tricky, tricky world,   Michael Hingson ** 44:11 yeah, and it goes both ways. I mean, there's so many ways the United States has also helped. So you're not, yeah, you're not really in favor of Canada being the 51st state, huh?   Dr. Laura Hambley Lovett ** 44:26 You know, no, yeah, I love America. I mean, I have a lot of great friends in America and people I adore, but I think Canada is its own unique entity, and the US has been a great ally in a lot of ways, and we're in it together, right, right? I mean, really in it together, and we need to stay as allies. And as soon as you start putting up a fence and throwing rocks over the fence to each other, it just creates such a feud and an unnecessary feud, yeah.   Michael Hingson ** 44:55 Well, very much so. And it is so unfortunate to see. It happening. And as you said, I think you put it very well. It's all about we're friends and friends. Don't treat friends in this way. But that is, that is, unfortunately, what we're seeing. I know I've been looking, and I constantly look for speaking opportunities, home, and I've sent emails to some places in Canada, and a few people have been honest enough to say, you know, we love what you do. We love your story. But right now, with what's going on between the United States and Canada, we wouldn't dare bring you to Canada, and while perhaps I could help by speaking and easing some of that a little bit. I also appreciate what they're saying, and I've said that to them and say, I understand, but this too shall pass. And so please, let's stay in touch, but I understand. And you know, that's all one can do.   Dr. Laura Hambley Lovett ** 46:01 Yeah, and it, it too shall pass. I mean, it's just all and then anxiety takes over and it gets in the way of logic. Michael Hingston would, hingson would be our best speaker for this option, but the optics of it might get us into trouble, and they just get all wound up about it. And I you know, in the end of the day this, this will pass, but it's very difficult time, and we need to say, Okay, we can't control what's going to happen with tariffs or next month or whatever, but we can control today. And, yeah, I just went on a walk by the river. It was beautiful, and it was just so fulfilling to my soul to be outside. And that's what I could control the day   Michael Hingson ** 46:41 that's right? And that walk by the river and that being outside and having a little bit of time to reflect has to help reduce fear and stress.   Dr. Laura Hambley Lovett ** 46:54 It does it very much, does   Michael Hingson ** 46:58 and and isn't that something that that more people should do, even if you're working in the office all day, it would seem like it would be helpful for people to take at least some time to step away mentally and relax, which would help drop some of the fear and the stress that they face. Anyway,   Dr. Laura Hambley Lovett ** 47:20 100% and I am at my office downtown today, and I can see the river right now from my window. And there's research evidence that when you can see water flowing and you can see trees, it really makes a difference to your mental health. So this office is very intentional for me, having the windows having the bright light very intentional.   Michael Hingson ** 47:44 I have a recording that I listen to every day for about 15 minutes, and it includes ocean sounds, and that is so soothing and just helps put so many things in perspective. Now it's not quite the same as sitting at the ocean and hearing the ocean sounds, but it's close enough that it works.   Dr. Laura Hambley Lovett ** 48:06 That's beautiful. And you're going to come on to my podcast and we're going to talk a lot more about your story, and that'll be really great.   Michael Hingson ** 48:14 We're doing that in May.   48:16 Yeah,   Michael Hingson ** 48:17 absolutely, and I'm looking forward to it. Well, how did you get involved in doing a podcast? What got you started down that road? Oh, your tricky podcast. Yeah.   Dr. Laura Hambley Lovett ** 48:32 So I was running my company. So I have a company of psychologists in Canada, and we operate across the country, and we do two things really, really well. One is helping people navigate their careers at all ages and stages and make find fulfilling career directions. And then our other thing we do well is helping organizations, helping be healthier places to work, so building better leaders, helping create better cultures in organizations. So that's what we do, and we have. I've been running that for 16 years so my own firm, and at the same time, I always wanted a podcast, and it was 2020, and I said, Okay, I'm turning 45 years old. For my birthday gift to myself, I'm going to start a podcast. And I said, Does anyone else on the team want to co host, and we'll share the responsibilities of it, and we could even alternate hosting. No, no, no, no, no, no one else was interested, which is fine, I was interested. So I said, this is going to be, Dr Laura, then this podcast, I'm going to call it. Dr Laura, where work meets life. So the podcast is where work meets life, and then I'm Dr Laura, Canada's. Dr Laura,   Michael Hingson ** 49:41 yeah, I was gonna say there we've got lots of dr, Laura's at least two not to be   Dr. Laura Hambley Lovett ** 49:44 mixed up with your radio. One not to be mixed up completely different, right, in approach and style and values. And so I took on that started the podcast as the labor of love, and said, I'm going to talk about three. Three things, helping people thrive in their careers, helping people thrive in their lives, and helping organizations to thrive. And then, oh yeah, I'll throw in some episodes around advocating for a better world. And then the feedback I got was that's a lot of lanes to be in, Laura, right? That is a lot of lanes. And I said, Yeah, but the commonality is the intersection of work and life, and I want to have enough variety that it's stuff that I'm genuinely curious to learn, and it's guests that I'm curious to learn from, as well as my own musings on certain topics. And so that's what's happened. So it's it's 111 episodes in I just recorded 111 that's cool, yeah. So it's every two weeks, so it's not as often as some podcasts, but every episode is full of golden nuggets and wisdom, and it's been a journey and a labor of love. And I do it for the joy of it. I don't do it as a, you know, it's not really a business thing. It's led to great connections. But I don't do it to make money, and, in fact, it costs me money, but I do it to make a difference in the tricky world,   Michael Hingson ** 51:11 right? Well, but at the same time, you get to learn a lot. You get to meet people, and that's really what it's all about anyway.   Dr. Laura Hambley Lovett ** 51:21 Oh, I've met some incredible people like you through doing it, Michael and like my mentor, Sy Wakeman, who wrote the book no ego that's behind me in my office, and who's just a prolific speaker and researcher on drama and ego in the workplace. And you know, I've, I've met gurus from around the world on different topics. It's been fabulous,   Michael Hingson ** 51:47 and that is so cool. Well, and you, you've written some books. Tell us about your books, and by the way, by the way, I would appreciate it if you would email me photos of book covers, because I want to put those in the show notes.   Dr. Laura Hambley Lovett ** 52:03 Oh, okay, I'm going to start with my current book that it actually, I just submitted my manuscript the other day, and it's, it's about toxic bosses, and how we can navigate and exit and recover from a toxic boss. And I saw this as a huge problem in the last couple of years, across different workplaces, across different people, almost everyone I met either had experienced it or had a loved one experience a toxic boss. And so I said, What is a toxic boss? First of all, how is this defined, and what does the research say? Because I'm always looking at, well, what the research says? And wait a minute, there's not a lot of research in North America. I'm an adjunct professor of psychology. I have a team of students. I can do research on this. I'm going to get to the bottom of toxic bosses post pandemic. What? What are toxic bosses? What are the damage they're inflicting on people, how do they come across, and what do we do about it? And then, how do we heal and recover? Because it's a form of trauma. So that's what I've been heavily immersed in, heavily immersed in. And the book is going to really help a lot of humans. It really is. So that's my passion right now is that book and getting it out into the world in January 2026, it's going to be   Michael Hingson ** 53:27 published. What's it called? Do you have a title   Dr. Laura Hambley Lovett ** 53:30 yet? I do, but I'm not really okay title officially yet, because it's just being with my publisher and editor, and I just don't want to say it until actually, Michael, I have the cover so it's going through cover design. I have a US publisher, and it's going through cover design, and that's so important to me, the visual of this, and then I'll share the I'll do a cover reveal. Good for you, yeah, and this is important to me, and I think it's timely, and I really differentiate what's a difficult boss versus a toxic boss, because there's a lot of difficult bosses, but I don't want to mix up difficult from toxic, because I think we need to understand the difference, and we need to help difficult bosses become better. We need to help toxic bosses not to do their damage and organizations to deal with them. And it's just there's so many different legs to this project. I'll be doing it for years.   Michael Hingson ** 54:24 So what's the difference between difficult and toxic? Or can you talk about that?   Dr. Laura Hambley Lovett ** 54:29 Yeah, I can talk about, I mean, some of the differences difficult bosses are frustrating, annoying. They can be poor communicators, bad delegators. They can even micromanage sometimes, and micromanagement is a common thing in new leaders, common issue. But the difference is that they the difficult boss doesn't cause psychological harm to you. They don't cause psychological and physical harm to you. They're not. Malicious in their intent. They're just kind of bumbling, right? They're just bumbling unintentionally. It's unintentional. The toxic boss is manipulative, dishonest, narcissistic. They can gaslight, they can abuse, they can harass, all these things that are intentional. Negative energy that inflicts psychological and or physical harm.   Michael Hingson ** 55:27 And I suspect you would say their actions are deliberate for the most part, for the most part, at   Dr. Laura Hambley Lovett ** 55:35 least, yeah. And that's a whole Yeah, yeah. I would say whether they're deliberate or not, it's the impact that matters. And the impact is deep psychological hurt and pain, which is, and we know the Psych and the body are related, and it often turns into physical. So my research participants, you know, lots of issues. There's there's research. Cardiovascular is impacted by toxic bosses. Your mental health is your your heart rate, your your digestion, your gut. I mean, all of it's connected. When you have a toxic Boss,   Michael Hingson ** 56:09 what usually creates a toxic boss? It has to come from somewhere   Dr. Laura Hambley Lovett ** 56:18 that stems back to childhood. Typically got it. And we get into a whole you know about childhood trauma, right? Big T trauma and little T trauma. Little T trauma are almost death by 1000 paper cuts. It's all the little traumas that you know you you went through, if they're unaddressed, if they're unaddressed, big T trauma is you were sexually assaulted, or you were physically abused, or you went through a war and you had to escape the war torn country, or those sorts of things I call big T and I've learned this from other researchers. Little Ts are like this. You know, maybe microaggressions, maybe being teased, maybe being you know, these things that add up over time and affect your self confidence. And if you don't deal with the little Ts, they can cause harm in adulthood as well. And so that's what, depending on what went on earlier, whether you dealt with that or not, can make you come across into adulthood as a narcissist, for example,   Michael Hingson ** 57:21 right? Well, you've written some other books also, haven't   Dr. Laura Hambley Lovett ** 57:25 you? Oh, yeah, so let's cheer this conversation up. I wrote two psychological thrillers. I am mad. I have an active imagination. I thought, what if someone got kidnapped by a billionaire, multi billionaire ex boyfriend who was your high school sweetheart, but it was 10 years later, and they created a perfect life for you, a perfect life for you, in a perfect world for you. What would that be like? So it's all about navigating that situation. So I have a strong female protagonist, so it's called losing cadence. And then I wrote a sequel, because my readers loved it so much, and it ended on a Hollywood cliffhanger. So then I wrote the sequel that takes place 12 years later, and I have a producing partner in in Hollywood, and we're pitching it for a TV series filmed as a three season, three seasons of episodes, and potentially more, because it's a really interesting story that has you at the edge of your seat at every episode.   Michael Hingson ** 58:28 Have those books been converted to audio? Also?   Dr. Laura Hambley Lovett ** 58:33 No, no, I never converted them to audio. But I should. I should.   Michael Hingson ** 58:37 You should, you should. Did you publish them? Or did you have a publisher? I   Dr. Laura Hambley Lovett ** 58:41 published these ones. Yeah, a decade ago, a decade ago,   Michael Hingson ** 58:45 it has gotten easier, apparently, to make books available on Audible, whether you read them or you get somebody else to do it, the process isn't what it used to be. So might be something to look at. That'd be kind of fun.   Dr. Laura Hambley Lovett ** 59:00 I think so. And I'll be doing that for my toxic boss book. Anyway, Michael, so I'm going to learn the ropes, and then I could do it for losing cadence and finding Sophie,   Michael Hingson ** 59:09 you'd find probably a lot of interested people who would love to have them in audio, because people running around, jogging and all that, love to listen to things, and they listen to podcasts, yours and mine. But I think also audio books are one way that people get entertained when they're doing other things. So yeah, I advocate for it. And of course, all of us who are blind would love it as well. Of   Dr. Laura Hambley Lovett ** 59:34 course, of course, I just it's on my mind. It's and I'm going to manifest doing that at some point.   Michael Hingson ** 59:41 Well, I want to thank you for being here. This has been absolutely a heck of a lot of fun, and we'll have to do it again. We'll do it in May, and we may just have to have a second episode going forward. We'll see how it goes. But I'm looking forward to being on the your podcast in May, and definitely send me a. The book covers for the the two books that you have out, because I'd like to make sure that we put those in the show notes for the podcast. But if people want to reach out to you, learn more about you, maybe learn what you do and see how you can work with them. How do they do that?   Dr. Laura Hambley Lovett ** 1:00:14 Sure, that's a great question. So triple w.dr, Laura all is one word, D R, L, A, u, r, a, dot live. So Dr, Laura dot live is my website, and then you'll find where work meets life on all the podcast platforms. You'll find me a lot on LinkedIn as Dr Laura Hambley, love it, so I love LinkedIn, but I'm also on all the platforms, and I just love connecting with people. I share a lot of videos and audio and articles, and I'm always producing things that I think will help people and help organizations.   Michael Hingson ** 1:00:52 Well, cool. Well, I hope people will reach out. And speaking of reaching out, I'd love to hear what you all think of our episode today. So please feel free to email me at Michael H I M, I C H, A, E, L, H i at accessibe, A, C, C, E, S, S i b, e.com, or go to our podcast page, which is w, w, w, dot Michael hingson.com/podcast and Michael hingson is m, I C H, A, E, L, H i N, G, s o n.com/podcast, wherever you're listening, please give us a five star rating. We value that. If you don't give us a five star rating, I won't tell Alamo, my guy dog, and so you'll be safe. But we really do appreciate you giving us great ratings. We'd love to hear your thoughts. If any of you know of anyone else who ought to be a guest on our podcast, or if you want to be a guest, and of course, Laura, if you know some folks, we are always looking for more people to come on unstoppable mindset. So please feel free to let me know about that. Introduce us. We're always looking for more people and more interesting stories to tell. So we hope that that you'll do that. But I want to thank but I want to thank you again for coming on today. This has been fun,   Dr. Laura Hambley Lovett ** 1:02:07 definitely, and I really admire you, Michael, and I can't wait to have you on where work meets life.   **Michael Hingson ** 1:02:18 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

Dr. Wilner would love your feedback! Click here to send a text! Thanks!Many thanks to Anjali Rajpal, DMD, for joining me on this episode of The Art of Medicine with Dr. Andrew Wilner! Dr. Rajpal practices cosmetic dentistry at Beverly Hills Dental Arts. During our 25-minute conversation, we discussed Dr. Rajpal's passion for hands-on creative work, like improving her patients' smiles. She explained that new electric tools vs air-powered ones have made the patient experience more comfortable. I Dr. Rajpal employs AI in her practice, which has many applications. Digital imaging powered by AI has replaced the old-fashioned and not entirely pleasant putty used to take impressions. Aesthetics can be fully realized with improved accuracy and efficiency. AI offers a "second set of eyes" to examine dental X-rays to ensure nothing is missed. Robots also assist with implant surgery. AI can also provide a look into the future for patients to see what their smile will look like after a complete makeover. To contact Dr. Rajpal, please check out her website:https://bhdentalarts.com Instagram, TikTok, YouTube: @beverlyhillsdentalartsPlease click "Fanmail" and share your feedback!If you enjoy an episode, please share with friends and colleagues. "The Art of Medicine with Dr. Andrew Wilner" is now available on Alexa! Just say, "Play podcast The Art of Medicine with Dr. Andrew Wilner!" To never miss a program, subscribe at www.andrewwilner.com. You'll learn about new episodes and other interesting programs I host on Medscape.com, ReachMD.com, and RadioMD.com. Please rate and review each episode. To contact Dr. Wilner or to join the mailing list: www.andrewwilner.com Finally, this production has been made possible in part by support from “The Art of Medicine's” wonderful sponsor, Locumstory.com, a resource where providers can get real, unbiased answers about locum tenens. If you are interested in locum tenens, or considering a new full-time position, please go to Locumstory.com. Or paste this link into your browser: https://locumstory.com/?source=DSP_directbuy_drwilnerpodcast_ph...

I dag, den 5. juni 2025, er det 40 år siden den nok mest berømte kamp i Københavns Idrætsparks historie mellem Danmark og Sovjetunionen.Den kamp bliver der talt og skrevet om mange andre steder, så i denne episode fortæller Torkil Fosdal om en række andre kampe, der blev spillet i Københavns Idrætspark på Grundlovsdag.Denne dato vandt B1903 og AGF således sine første danske mesterskaber, og under besættelsen viste danskerne for første gang tydelig, offentlig modstand mod den tyske besættelsesmagt netop på Grundlovsdag i Idrætsparken.Du hører også om Stævnets møde i 1925 med Nederlandsche Corinthians, og i 1929 med Belfast Celtic FC, der led en hård skæbne, inden klubben ophørte med at eksistere. AB's 75-års jubilæum blev fejret Grundlovsdag i 1964, og til Idrætsparkens sidste klubkamp den 5. juni så blot 2.497 tilskuere, at Michael Laudrup scorede to gange, da Brøndby IF slog B1903 i 1983 - ligesom han gjorde to år senere i den allersidste kamp i Idrætsparken på Grundlovsdag, hvor Danmark slog Sovjetunionen 4-2.

Get real answers to real questions student loan borrowers are asking about PSLF processing delays, confusing buyback calculations, switching repayment plans, and trying to understand how recent legislation might affect their loans. You'll get the latest updates on what's happening behind the scenes and what those changes could mean for you. We also cover practical, actionable steps, like how to time your income recertification, what to consider if you've had a long forbearance period, and a lesser-known deferment option for borrowers undergoing cancer treatment. Key moments: (02:58) PSLF buyback uses the lower payment: before or after forbearance, whichever is smaller (13:30) Forgiveness is likely best when student debt is double your income or more (19:59) SAVE plan delays create confusion; should you switch IDR plans or wait it out? (31:29) Moving abroad may lower your AGI and help secure smaller payments toward forgiveness (35:45) FMLA and income recertification: what to know before submitting updated income documentation Links mentioned:  Apply for income-driven repayment (IDR) plans Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Fra 1951-64 var der 19 brasilianske klubbesøg i Københavns Idrætspark til venskabskampe mod primært de to fodboldsammenslutninger, Stævnet og Alliancen.I den anden af to episoder om kampene fra 1958-64 fortæller Torkil Fosdal blandt andet om besøg fra Vasco da Gama, Cruzeiro, Bangu og Gremio, der lagde vejen forbi København, når de turnerede i Europa.Brasilianerne blev fortsat modtaget med en blanding af begejstring og forargelse fra spillere, tilskuere og aviser. Deres sublime teknik var milevidt fra, hvad vi ellers havde set, men de opfyldte ikke altid vores noget fordomsfulde - og gennem årtier britisk dominerede - forventninger til, hvordan spillet skulle spilles....

Fra 1951-64 var der 19 brasilianske klubbesøg i Københavns Idrætspark til venskabskampe mod primært de to fodboldsammenslutninger, Stævnet og Alliancen.I den første af to episoder om kampene fra 1951-57 fortæller Torkil Fosdal blandt andet om besøg fra Flamengo, Corinthians og Botafogo, der lagde vejen forbi København, når de turnerede i Europa. De kom med en række store navne, som havde haft VM-skuffelser med Brasiliens landshold - og med stjerner i svøb, som spillede store roller ved kommende VM-slutrunder.Brasilianerne blev mødt med en blanding af fascination og forargelse, for dels begejstrede med de tekniske færdigheder af en anden verden og dels repræsenterede de en fodboldkultur, som langt fra harmonerede med den opfattelse af spillet, som vi gennem et halvt århundrede havde tilegnet os fra britisk fodbold.

In this episode of Journey to Launch, I'm joined once again by Travis Hornsby, founder of Student Loan Planner. Travis returns to break down the current state of student loans, including what's changed under the Biden and Trump administrations, what borrowers should expect moving forward, and how to navigate the uncertainty with smart, strategic planning. Whether you're a recent grad or have six-figure student debt, this episode will help you better understand your options and next steps. What You'll Learn in This Episode: What happened to Biden's student loan forgiveness and SAVE Plan—and why they're essentially dead How the IDR account adjustment and PSLF waiver may still benefit you What the new GOP proposals could mean for repayment plans and forgiveness timelines The difference between public vs. private student loans—and strategies for managing each Why many borrowers should consider enrolling in an Income-Driven Repayment (IDR) plan now Check out the video to this episode on YouTube here. Other Links Mentioned in episode:  Book Your Custom Student Loan Plan at Student Loan Planner, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Travis Hornsby: Website Instagram: @StudentLoanPlanner Twitter:@StudentLoanTrav Facebook:@StudentLoanPlan Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

On this episode of The Wholesome Fertility Podcast, I am joined by Dr. Nirali Jain (eggspert_md), a board-certified OB/GYN and reproductive endocrinologist at Reproductive Medical Associates (RMA). Dr. Jain shares her expert insights on fertility preservation for individuals undergoing cancer treatment, a crucial yet often overlooked aspect of reproductive care. We explore what options are available for fertility preservation, including egg and sperm freezing, and why it's so important to initiate these discussions before starting chemotherapy or radiation. Dr. Jain also explains the difference between Letrozole and Clomid, the impact of estrogen-sensitive cancers on IVF treatments, and innovative approaches like random-start cycles and DuoStim protocols. Whether you're facing a cancer diagnosis or simply thinking proactively about your reproductive future, this conversation is filled with knowledge and reassurance. Key Takeaways: Why it's essential to discuss fertility before starting cancer treatment. The role of Letrozole in estrogen-sensitive cancers and fertility preservation. Differences between Letrozole and Clomid, and why Letrozole is often preferred. How new protocols like DuoStim and random-start cycles are improving outcomes. Why fertility preservation is important even for those without a cancer diagnosis. Guest Bio: Dr. Nirali Jain (@eggspert_md) is a board-certified OB/GYN and fertility specialist at Reproductive Medicine Associates (RMA) in Basking Ridge, New Jersey. She earned both her undergraduate degree in neurobiology (with a minor in dance!) and her medical degree from Northwestern University, before completing her residency at Weill Cornell/NYP, where she served as co-Chief Resident, and her fellowship in reproductive endocrinology and infertility at NYU Langone. Deeply passionate about women's health and fertility preservation, Dr. Jain blends the latest research and cutting-edge treatments with compassionate, patient-centered care. Her interests include third-party reproduction and oncofertility, and she is especially passionate about supporting patients navigating fertility preservation through a cancer diagnosis. Outside of the clinic, Dr. Jain is a trained dancer, a dedicated global traveler, and an adventurer working toward hiking all seven continents with her husband. Her diverse experiences, from international medical rotations to personal connections with friends and family navigating infertility, have shaped her into a warm, resourceful, and determined advocate for her patients. Links and Resources: Visit RMA websiteFollow Dr. Nirali Jain on Instagram For more information about Michelle, visit www.michelleoravitz.com To learn more about ancient wisdom and fertility, you can get Michelle's book at: https://www.michelleoravitz.com/thewayoffertility The Wholesome Fertility facebook group is where you can find free resources and support: https://www.facebook.com/groups/2149554308396504/ Instagram: @thewholesomelotusfertility Facebook: https://www.facebook.com/thewholesomelotus/ Disclaimer: The information shared on this podcast is for educational and informational purposes only and is not intended as medical advice. Please consult with your healthcare provider before making any changes to your health or fertility care. --  Transcript:   # TWF-Jain-Nirali (Video) ​[00:00:00]  **Michelle Oravitz:** Welcome to the podcast Jain.  **Dr. Nirali Jain:** Thanks so much for having me **Michelle Oravitz:** Yeah, so. **Michelle Oravitz:** I'm very excited to talk about this topic, which, um, actually you don't really hear a lot of people talking about, which is how to preserve your fertility if you're going through a cancer diagnosis and if you have to go through treatments. 'cause obviously that can impact a lot on fertility. **Michelle Oravitz:** I have, um, seen actually like a colleague of mine go through. And she also preserved her fertility and, and now she has a baby boy. so it's really nice. **Michelle Oravitz:** to **riverside_nirali_jain_raw-video-cfr_michelle_oravitz's _0181:** so nice. **Michelle Oravitz:** So I'd love for you first to introduce yourself and kind Of give us a background on how you got into this work. **Dr. Nirali Jain:** Of course. Um, so I am Dr. Narly Jane. I am, um, an OB GYN by training, and then I did an additional, after completing four years of residency in OB GYN and getting board certified in that, I did an additional training in reproductive endocrinology and [00:01:00] infertility or otherwise known as REI. So now I'm a fertility specialist. **Dr. Nirali Jain:** Um, I trained at Northwestern in Chicago, so I went to undergrad and medical school there. And then, um, home has always been New Jersey for me, so I moved back out east to New Jersey. Um, I did all my training actually in New York City at Cornell for residency and NYU for fellowship. Um, and then moved to the suburbs. **Dr. Nirali Jain:** Um, and now I'm a fertility specialist in, in Basking Ridge at Reproductive Medical Associates.  **Michelle Oravitz:** Very impressive background. That's awesome.  **Dr. Nirali Jain:** Yeah. **Michelle Oravitz:** I'd love to hear just really. About what your process is. If a person has been diagnosed with cancer, like what is the process? What are some of the things that you address if they are trying to preserve fertility, and what are some of the concerns going  **Dr. Nirali Jain:** yeah, yeah. All great questions. So, you know, there's a lot of us, uh, the Reis. Are a very small, [00:02:00] there's a very small number of us. So in terms of specializing in fertility preservation, technically we all are certified to treat patients with cancer and kind of move them through fertility preservation before starting chemotherapy. **Michelle Oravitz:** Mm-hmm.  **Dr. Nirali Jain:** Um, luckily we've been working closely with oncologists in the past several years just to establish some type of streamlined system because having a diagnosis of cancer and hearing all that information. Especially when you're young is so hard. So I think that's, that's where my interest started in terms of being able to speak to and counsel cancer patients. **Dr. Nirali Jain:** I think it is a very specific niche that you really have to be comfortable with in our field. Um, I. So I'll kind of walk you through, you know, what it, what does it look like, right? Um, you go into your oncologist's office suspecting that you have this, this lump. I'll take breast cancer, for example. It could really be any kind of cancer. **Dr. Nirali Jain:** Um, but breast cancer in a reproductive age patient or someone that's in those years where you're starting [00:03:00] to think about building a family, planning a family, um, or if you have kids at home, that's usually the type of patient that we see come in with a breast cancer diagnosis. So. Kinda just taking that, for example, um, the minute that you're diagnosed, it's really your oncologist's responsibility to counsel you on what treatment options are going to be offered to you. **Dr. Nirali Jain:** And then based off of the treatment options, it's important to know how that affects your reproduction. So how does it affect your ovaries in the short term, in the long term, um, in any way possible. So. Once a patient is initially referred from their oncologist to myself or any other fertility specialist, they come into my office and we just have a 30 minute conversation really talking about family planning goals. **Dr. Nirali Jain:** Any kids that they've had in the past either naturally conceived or through um, IVF, and then we talk about where they're at in their relationship. Are they married, are they not? Are they with a partner, [00:04:00] a male partner, a female partner, whatever it might be. It's important to know the social standpoint, um, especially in this sensitive phase of life. **Dr. Nirali Jain:** So patient patients usually spend anywhere from 30 minutes to an hour. Um, just kind of talking through where they're at, how they're feeling, what their ultimate childbearing goals are. And then from there we do an ultrasound and that's when I'm really able to see, you know, the, the reproductive status. **Dr. Nirali Jain:** So what do the ovaries look like? What does the uterus look like? Is there something that I need to be concerned about from a baseline GYN standpoint? Um, and all of those conversations are happening in real time. So. I think one of the things is patients come in and they're like, I'm already so overwhelmed with all this information from my oncologist, and now my fertility specialist is throwing all this information at me. **Dr. Nirali Jain:** Luckily, the way I like to frame it is you come in and you just let go. Like you let us do the work because in the background we're the ones talking to your oncologist. We're the [00:05:00] ones giving that feedback and creating a timeline with your oncologist. Um, and really I think just getting in the door is the hardest part. **Dr. Nirali Jain:** So once patients are here to see us, we go through the whole workup. We do anything that we would do for a normal patient that came in for fertility preservation. And then based off of where they're at in their journey, we talk about what makes sense for them, whether that means freezing embryos, freezing eggs, they're very similar in terms of the, the few weeks leading up to the egg retrievals. **Dr. Nirali Jain:** So I have that whole conversation just at the initial visit. And then from there we talk about the timeline behind the scenes and make sure that it works with their lives before moving forward. **Michelle Oravitz:** So for people listening to this, why, and this might be an obvious question, but to some it might not be,  **Dr. Nirali Jain:** Mm-hmm. **Michelle Oravitz:** why would somebody want to preserve. eggs or sperm. 'cause I've had actually some couples  **Dr. Nirali Jain:** Yep. **Michelle Oravitz:** come to me where the husband preserved the sperm and they had to go through IVF just because he was going [00:06:00] through cancer treatments. So he had to preserve the sperm ahead of time.  **Dr. Nirali Jain:** Mm-hmm. **Michelle Oravitz:** people need to consider doing that before doing cancer treatments?  **Dr. Nirali Jain:** So there are certain cancer treatments that do affect the ovaries and the sperm health, and you know, for men and women, it affects your reproductive organs. In a similar way, um, depending on the type of chemotherapeutic agent, there are some that are more dangerous in terms of, um, being toxic to your ovaries or toxic to your sperm. **Dr. Nirali Jain:** And those are the instances where we are really thinking about what's the long-term impact because there's medications that oncologists do give patients, and our oncologists are amazing, the ones that we work with, Memorial Sloan Kettering from Reproductive Medical Associates through RMA, um, and. **Dr. Nirali Jain:** They're just so good at what they do and are so well-trained, so they know in the back of their mind, is this going to impact your ovaries or your sperm health or not? Um, and I [00:07:00] think that any chemotherapy, you know, your ovaries are these, these small organs that are constantly turning over follicles every month. **Dr. Nirali Jain:** So every month we're losing those eggs, and if they don't become. If an egg isn't ovulated, it doesn't become a baby, it's just gonna die off. So I counsel even patients that don't have cancer, I counsel them on fertility preservation as young as possible. You know, between the ages of 28 and 35, that's like the best time to preserve your fertility. **Dr. Nirali Jain:** So in cancer patients, there's an extra level added to that where even if they are a little bit younger, a little bit older. Your eggs are not gonna be the same quality. There's gonna be higher level of chromosomal errors, more DNA breakage, um, and, and bigger issues that lead to issues with conceiving naturally afterwards. **Dr. Nirali Jain:** So I think that it's important to consider how that chemotherapy is going to affect them or how surgery would affect them if it was, for example, a GYN cancer where [00:08:00] we're removing a whole ovary, you know, what, what do we have to do to preserve your fertility in that case? And those are important conversations to have. **Michelle Oravitz:** Yeah. for sure. I know that a lot of people are also concerned, you know, with going through the IVF process, you're taking in a lot of estrogen, a lot of hormones, and many cancers are actually estrogen sensitive. So I wanted to talk to you about that. 'cause I know that the data shows that it's. It's been fine, which some people might find surprising, but I wanted you to address that and just kind of **Dr. Nirali Jain:** Yeah. **Michelle Oravitz:** from your perspective.  **Dr. Nirali Jain:** That's so interesting that you asked that question because I actually, my whole I I graduated fellowship last year and my entire, like passion project in fellowship was looking at one of the drugs that we use to suppress the estrogen levels specifically in cancer patients. Um, and I had presented this at a few of our reproductive meetings. **Dr. Nirali Jain:** Um, A SRM is one of our annual meetings where all of the reiss get together. A lot of male fertility [00:09:00] specialists come and we kinda just talk about. Specific things and fertility preservation for cancer patients is, has been an ongoing topic of interest for all of us. Um, and it's important to know that there are different medications that we can offer. **Dr. Nirali Jain:** Letrozole is the one that I, um, have a particular love for and I, uh, you know, I use all the time for my patients, um, for different reasons, but it suppresses the exposure that your body has to estrogen. And there's mixed data, um, out there in terms of, you know, does Letrozole suppression actually impact, you know, does it help or. **Dr. Nirali Jain:** Or does it have no impact on your future risk of cancer after treatment? Um, and that honestly is still up for debate. But what we do know is that there's no increased risk of cancer recurrence in patients that have undergone fertility preservation with or without Letrozole. Um, Letrozole is one of those things that we can give, and the way it works is basically. **Dr. Nirali Jain:** It masks that [00:10:00] conversion. It, it doesn't allow for conversion from those androgens in the male hormones over to estrogen. Um, and so your body doesn't really see that estrogen exposure. It stays nice and low throughout your cycle, and it does help with actually ovarian maturation and getting mature eggs harvested and, um, helps a little bit with, with quality too. **Dr. Nirali Jain:** So I think that it's really nice in terms of having that available to us, but know that. It's not, it's not essential that you have it, really, the data showing plus minus. Um, but there are certain things that we can do to protect the ovaries, protect your exposure to estrogen. Um, and so that shouldn't be top of mind of concern when we're going through fertility preservation, even with an estrogen sensitive cancer. **Michelle Oravitz:** Actually, so, uh, on a different topic, kind of going back to that, so Letrozole versus Clomid, I, it's like a, the questions I personally feel just based on what I've heard and like my own research that Letrozole would be kind of like the more. [00:11:00] Um, the, it's, it's a little better, but I know that it really depends on the person as well.  **Dr. Nirali Jain:** Yeah, **Michelle Oravitz:** they might do better with Clom, but I'd love to hear your perspective and kind of pick your brain on this.  **Dr. Nirali Jain:** totally. You're choosing all the, all the right questions because these are all of my, my specific interests and niches. So  **Michelle Oravitz:** Oh,  **Dr. Nirali Jain:** Letrozole is basically, you know, we use Letrozole and Clomid in. Patients that don't have cancer and patients that come in for an intrauterine insemination, that's kind of the most common scenario where we're thinking about, you know, which medication is better? **Dr. Nirali Jain:** Letrozole or Clomid and Clomid used to be the, the most common medication that we use, we dose patients, you know, have 50 milligrams of Clomid, give them five days of the medication. It's an oral pill. Feels really easy and. The way it works is really, it recruits more than one follicle, so it really helps with the release of, um, more than one follicle growing more than one follicle in the ovary. **Dr. Nirali Jain:** Um, but it has a little bit [00:12:00] higher of a risk of twins because that's exactly what it's good at. Um, Clomid, not so much in the cancer. In the cancer front, it's not really used there because it's considered, from a scientific perspective, it's considered like a selective estrogen receptor modulator. So it doesn't necessarily suppress your estrogen levels in the same way that Letrozole does versus. **Dr. Nirali Jain:** Letrozole is an aromatase inhibitor, so it really blocks the chemical conversion of one drug or one hormone to the other hormone. Um, the reason we love Letrozole so much, and I don't mean to like gush over Letrozole, but um, it's a mono follicular agent, so it works really well at recruiting one follicle  **Michelle Oravitz:** Mm-hmm.  **Dr. Nirali Jain:** you know, every OB-GYN's nightmare in a way is having multiples when you didn't intend on having multiples at all. **Michelle Oravitz:** so  **Dr. Nirali Jain:** Um. **Michelle Oravitz:** were saying that, um, there's more of a chance of twins, it's Clomid, not letrozole.  **Dr. Nirali Jain:** Yes, there's a higher chance with Clomid versus Letrozole. And I mean, don't get me wrong, there's a chance of twins with [00:13:00] any type of assisted reproductive technology. Even when we're doing single embryo transfers, there's a chance that it's gonna split. So, um, the chance is always there just like it is in the natural world. **Dr. Nirali Jain:** But we know for a fact that. CLO is really good at recruiting many follicles. It's good for certain patients that don't respond well to Letrozole. Um, but Letrozole is kind of our, our go-to drug these days just because of all the benefits that we've seen.  **Michelle Oravitz:** Awesome.  **Dr. Nirali Jain:** Yeah, **Michelle Oravitz:** These are all fun things to ask because I, I love talking to our eis 'cause there's so much information that I'm always  **Dr. Nirali Jain:** totally. **Michelle Oravitz:** learn a lot from my patients in my own research, but it's really cool. Picking your guys' brains. So another question I have, and I have actually talked to Dr. Andrea Elli, he's been on,  **Dr. Nirali Jain:** Mm-hmm. **Michelle Oravitz:** and he does a lot of endometriosis and, and immune related work as well,  **Dr. Nirali Jain:** Yeah. **Michelle Oravitz:** so. I'd love to know just from your perspective. One thing that I do know from, based on what I've heard is that the, [00:14:00] guess like you were just saying, that breast cancer or estrogen sensitive breast cancer doesn't seem to be affected by IVF cycles, however, and endometriosis lesions do get affected.  **Dr. Nirali Jain:** Yeah. **Dr. Nirali Jain:** that's a great question. So, you know, every, there are so many complex G mind diagnoses that the, that our patients come in with. Um, and endometriosis is a big one because there is clear data that endometriosis is linked to infertility. So we think about, you know, when a patient comes in with endometriosis, we really do think about the different treatment options and what are the short-term and long-term impacts of the hormones that we're giving 'em. **Dr. Nirali Jain:** Um, these days, again, kind of going back to Letrozole, we, letrozole is something that I give all of my endometriosis patients because it helps suppress their estrogen because we know.  **Michelle Oravitz:** interesting.  **Dr. Nirali Jain:** is very responsive to estrogen and leads to this dysfunctional regulation of all the endometrial tissue that can really flare in a, [00:15:00] in a cycle, or shortly after a cycle. **Dr. Nirali Jain:** I. So we really, for endometriosis patients, the, the best treatment is being on birth control because we don't see that hormonal fluctuation. The up and down of the estrogen and the progesterone, that's what leads to those flares. Um, so I really, I watch patients closely after their cycles too, because you definitely can have an endometriosis flare and we say the best treatment for endometriosis is pregnancy, right? **Dr. Nirali Jain:** That's when you're suppressed, that's when you're at your lowest. Um, and patients, my endo patients feel so good in pregnancy because they have. Hormones that are nice in that baseline, they're not getting periods of course. Um, and that's truly, truly the best treatment.  **Michelle Oravitz:** That's interesting.  **Dr. Nirali Jain:** But it is important to consider when you're going through infertility treatments. **Dr. Nirali Jain:** How does my endometriosis affect the short and long-term effects of the fertility medications? And really not to, not to say that they're bad in any way. I think a lot of endometriosis patients go through IVF and have success and do really, really well, and that's kind of the push that they need. [00:16:00] Um, but it's important to be mindful of the bigger picture here. **Dr. Nirali Jain:** It's not just, you're not just a number of. A patient with endo coming in, getting the same protocol. It's really individualized to the extent of your lesions, what symptoms you're having, what grade of endometriosis, where your lesions are. So we're the RAs are thinking about everything before we actually start your protocol. **Michelle Oravitz:** It's crazy how in depth it is, and it's, it, there's just so, it's so multifaceted,  **Dr. Nirali Jain:** Yeah,  **Michelle Oravitz:** when it's females  **Dr. Nirali Jain:** totally. **Michelle Oravitz:** are a little, I mean, they can, you know, there, there's definitely a number of things, but it's not as complicated and interconnected  **Dr. Nirali Jain:** Exactly. Exactly. That's so true. **Michelle Oravitz:** And so one question I actually have, this is kind of really off topic, but something that I was curious about. **Michelle Oravitz:** 'cause I heard about a while  **Dr. Nirali Jain:** Yeah. **Michelle Oravitz:** a, a type of cancer treatment that was used. I'm not sure exactly what it was, but for some reason it actually caused follicles to grow, [00:17:00] or to multiply. And they were **Dr. Nirali Jain:** Interesting. **Michelle Oravitz:** this definitely. Puts, um, the whole idea of like a woman being born with all the follicles she'll ever have on its head, I thought that was really Interesting. **Michelle Oravitz:** Now I learned a little bit about it. I don't think it really went further than that,  **Dr. Nirali Jain:** Mm-hmm. **Michelle Oravitz:** one of those things that they're like, Hmm, this is interesting. I don't know, it was kind of a random side effect of this chemo drug. I dunno if it was a chemo drug or a cancer drug.  **Dr. Nirali Jain:** Yeah.  **Michelle Oravitz:** ever heard of that. **Michelle Oravitz:** So I was just **Dr. Nirali Jain:** I haven't, I mean, that's interesting. I feel like I'd have to look into that because that would be definitely a point of interest for a lot of Reis. But it kind of does go back to the point of, you know, women are really born with all the eggs we're ever gonna have. So it's about a million, and then it just goes down from there. **Dr. Nirali Jain:** And the, by the time you start having periods, I like to kind of show my patients a chart, but you have a couple hundred thousand eggs and you ovulate one egg a month. That's, you know. Able to [00:18:00] progress into a fertilized egg and then into a, an embryo into a baby, um, if that's your goal. But otherwise, patients that are having periods and not trying to actually get pregnant, we're losing hundreds of eggs a month. **Dr. Nirali Jain:** So.  **Michelle Oravitz:** Mm.  **Dr. Nirali Jain:** It's important to kind of think about that decline, and it's important to know that that rate can be faster in patients with cancer, patients with low ovarian reserve. And sometimes when you have the two compounded, that's when a fertility specialist is definitely, you know, in the queue to, to have a discussion with you in terms of what that means and how you can reach your family building goals despite being faced with that, with that challenge. **Michelle Oravitz:** Yeah. **Michelle Oravitz:** I mean, 'cause we know oxidative stress is one of the things that can cause, uh,  **Dr. Nirali Jain:** Yeah, **Michelle Oravitz:** quality eggs, but it's also can cause cancer. **Dr. Nirali Jain:** Yeah, **Michelle Oravitz:** um, similar, you know, like things that really deplete the body could definitely impact. Um, and then what are your thoughts? I know I'm asking you all kinds of random questions, **Dr. Nirali Jain:** I love it. **Michelle Oravitz:** are your thoughts about doing low simulation in certain [00:19:00] circumstances versus high stem? **Michelle Oravitz:** Sometimes people don't respond as well to higher stems.  **Dr. Nirali Jain:** Yeah, that's a great point. I think that it kind of all goes back to creating an individualized protocol. If. A patient's going to a practice and basically just getting a protocol saying, this is our standard. We start with our standard of, you know, I, I think about the standard, which is 300 of the FSH or that pen that you dial up, and then 150 units of that powder vial. **Dr. Nirali Jain:** And we have patients mixing powders all the time, and that's kind of our blanket protocol that we give patients. But that's not really what's happening behind the scenes. And if you're given a protocol that's, and being told, you know, this is kind of what we give to everyone, it's probably not the right fit for you. **Michelle Oravitz:** Yeah, I  **Dr. Nirali Jain:** Um, there are certain patients that respond to a much lower dose and do really, really well, and then some patients that need a much higher dose. Um, and I think it's, that's kind of like the fun part of being an REI of being able to individualize the [00:20:00] protocol to the patient. Um, and I know for a fact there are so many, luckily, you know, we have so many leaders in REI that have been. **Dr. Nirali Jain:** Have dedicated their entire careers to researching these different protocols and how they can help different patients. Um, patients with lower a MH, you know, might benefit from a duo stim protocol, for example. That's kind of the first one that comes to mind, but a protocol where we're using those follicles from the second half of a cycle. **Dr. Nirali Jain:** I would've never thought that those were the follicles that  **Michelle Oravitz:** Oh,  **Dr. Nirali Jain:** would be better than the first half of the cycle,  **Michelle Oravitz:** Wait,  **Dr. Nirali Jain:** but, **Michelle Oravitz:** that. Explain that. Um, because I think that that's kind of a unique  **Dr. Nirali Jain:** mm-hmm.  **Michelle Oravitz:** that I haven't heard of.  **Dr. Nirali Jain:** Yeah, so there's this new day. It's still kind of developing, but um, kind of going back to, you know, what's an individualized protocol? Duo STEM is one of the newer protocols that we've started using. I, I've used it once or twice in patients. Um, but it goes back to the research that shows that you might actually have two different periods of time in a menstrual cycle where you could potentially recruit [00:21:00] follicles. **Dr. Nirali Jain:** You could have a follicular phase where there's a certain cohort of follicles recruited, and then you have a follicle that forms creates a corpus glut.  **Michelle Oravitz:** um, protocols  **Dr. Nirali Jain:** Yep. And then you basically go through the follicular protocol and then a few days after a retrieval, instead of waiting for a new follicular cohort or follicular recruitment from the first half of your menstrual cycle, you actually use the luteal phase and you recruit those follicles that would've actually died off or have been prematurely recruited in a prior cycle. **Dr. Nirali Jain:** So **Michelle Oravitz:** that's So  **Dr. Nirali Jain:** yeah, **Michelle Oravitz:** you just do a similar, I guess, um, medicine,  **Dr. Nirali Jain:** go right back into it.  **Michelle Oravitz:** do the same exact thing, but right after ovulation.  **Dr. Nirali Jain:** Yeah.  **Michelle Oravitz:** Fascinating. That's really interesting.  **Dr. Nirali Jain:** Yeah,  **Michelle Oravitz:** has been your experience with that?  **Dr. Nirali Jain:** I think it's, honestly, it's mixed. Um, so far, you know, our data from fertility and sterility and A SRM, it, it shows support for these DUO STEM [00:22:00] protocols, saying that if patients don't have that great quality of eggs or if they have a very low number, maybe they'd benefit from starting the meds earlier and recruiting follicles. **Dr. Nirali Jain:** A little bit earlier. Um, so we've seen positive results so far. A lot of work to be done in terms of really understanding it. Um, and of course, as a new attending, I have a lot more experience to kind of build on. Um, but I, I have seen success from it. **Michelle Oravitz:** That's fascinating. Are there any other new technologies, like new add-ons, um, that you've seen, that you've found to be really cool or interesting?  **Dr. Nirali Jain:** I think the biggest thing, actually, kind of going back to our whole topic for today is fertility preservation cancer patients. One of the biggest things that I've learned recently is that we used to start fertility, um, patients. You know, only in the beginning of the cycle days, two or three is technically like when most. **Dr. Nirali Jain:** Most clinics, um, start patients, but for our cancer patients, sometimes you don't have that time. You don't wanna wait a full month to [00:23:00] restart, um, your, you know, your menstrual cycle and then do the fertility preservation and then delay chemotherapy a full month. So we started doing what we call random starts. **Dr. Nirali Jain:** So you basically start a patient whenever they come in. You know, it could be the day after your consultation, the day of your consultation. I've kind of seen all of the above. Um, and we've seen really good success with random starts, per se. Um, and we've been doing a lot more of that, where it's not as dependent on where you're at in your cycle. **Michelle Oravitz:** Mm-hmm.  **Dr. Nirali Jain:** Um, obviously there's a difference in outcomes. You might not be a great candidate for it, so definitely it's worth talking to your doctor about it. But it kind of gives relief to our cancer patients where if you have a new cancer diagnosis and you're like, oh, I just finished my period, like, I can't even start a cycle until next month. **Dr. Nirali Jain:** That's not always true. Um, so it's always worth it to go into see a fertility specialist and just get, you know, get the data that you need right away, and then you can make a decision later on. **Michelle Oravitz:** For sure. Um, Yeah. **Michelle Oravitz:** and I wanted to kind of cover a lot of different topics 'cause I know that [00:24:00] some people are gonna wanna hear what you have to say that don't necessarily, or, uh, have cancer. But it is important. I, I think that, you know, if you get to thirties and you haven't gotten married or you don't have a partner, I think it's really important to preserve your fertility in general.  **Dr. Nirali Jain:** Yeah, **Michelle Oravitz:** important thing. And then if you were going through a cancer diagnosis and you decided to preserve your fertility, um, guess more for women because they're eventually going to be thinking about transfers after they go through treatment. So what are some of the things that they would need to consider as far as that goes? **Michelle Oravitz:** Like after the  **Dr. Nirali Jain:** yeah, **Michelle Oravitz:** then they go through the cancer treatments. Um, and then what, how long should they  **Dr. Nirali Jain:** yeah. Like what does it look like? So I've had patients that come back, you know, in my fellowship training I did a, a couple research projects on patients that came back to pursue an embryo transfer, um, after chemotherapy agent. And basically compared them to how they did, um, [00:25:00] compared to patients that didn't have cancer and just froze their embryos or froze their eggs and then came back to pursue a transfer and. **Dr. Nirali Jain:** I think the, the most reassuring thing from the preliminary data that we have is saying that there's no difference in pregnancy rates and no difference in life birth,  **Michelle Oravitz:** Awesome.  **Dr. Nirali Jain:** of whether they had chemotherapy or not. After freezing those eggs and going through fertility preservation.  **Michelle Oravitz:** Amazing.  **Dr. Nirali Jain:** Um, in terms of where your body needs to be, I think the oncologist, we, we wait for their green light. **Dr. Nirali Jain:** We wait for their signal to say, you know, she's safe to carry a pregnancy.  **Michelle Oravitz:** Mm-hmm.  **Dr. Nirali Jain:** And then once we do that, we basically treat you like any other patient. So if you're coming in for a cycle, if you're having periods, then it's reasonable to try a natural cycle protocol, wait for your body to naturally ovulate an egg. **Dr. Nirali Jain:** And instead of obviously hoping that egg will fertilize, we, um, use a corpus luteum. We use the progesterone from the corpus luteum to really support this embryo being implanted into the uterus. Um. Yeah. [00:26:00] And then there's also another side. I mean, some patients don't get their periods back and they always ask like, what if I never get my period back? **Dr. Nirali Jain:** What if I'm just like in menopause because of the chemotherapy agents? And for that, we can start you on a synthetic protocol or basically an estrogen dependent protocol where you take an estrogen pill for a certain number of days. We monitor your lining, then we start progesterone, um, to support your hormones from that perspective instead of relying on your ovaries to release the progesterone that they need, um, and then doing the embryo transfer a few, few days after progesterone starts. **Dr. Nirali Jain:** So there's definitely different protocols depending on where your menstrual health is at after the chemotherapy or after the cancer treatment. Um, but it's important to kind of just know that. That there's options. It doesn't mean that it's the end of the road if you all of a sudden stop getting your period. **Michelle Oravitz:** Yeah, for sure. I mean, 'cause you, technically speaking, you can really control a lot of that. More so for transfers  **Dr. Nirali Jain:** Yep. **Michelle Oravitz:** Retrievals really is kind of like what [00:27:00] eggs you have, what the quality is. But people can be in complete menopause and you guys can still control their cycles for transfer, which is kind of. A huge difference  **Dr. Nirali Jain:** Yeah,  **Michelle Oravitz:** in the  **Dr. Nirali Jain:** exactly. That's exactly right. Yeah. **Michelle Oravitz:** interesting. Any other, um, new, new things that you're, you guys are excited about? I always like to hear about like the new and upcoming things  **Dr. Nirali Jain:** Of course.  **Michelle Oravitz:** actually before, which I thought was fascinating. Yeah.  **Dr. Nirali Jain:** I feel like there's always like updates and, and new data and things like that coming out, but just know, I think it's important for patients to know, like we're constantly, we're, the reason I chose to even pursue this field was because it's new. Right. There's something that we are discovering every day, every year, and that's what makes our, our conferences so important to attend, um, to really just stay up to date. **Dr. Nirali Jain:** Um, but we are, uh, constantly updating our embryology standards, the way we thaw our eggs, and the success rate associated with a thaw and [00:28:00] how we treat our embryos and the media that we use, right? Like, so we're really thinking about the basic science perspective every single day, and that's what makes this field so unique. **Michelle Oravitz:** It is really awesome. And so do you guys specialize specifically on, um. Egg freezing and, and I mean specific fertility preservation in patients that do that have cancer that are going through treatments, do you guys specialize specifically in that? I mean, I know you do range  **Dr. Nirali Jain:** Yeah. Yeah, because it's such a small community, we all have our own niches and we all kind of have our own interests and  **Michelle Oravitz:** Yeah.  **Dr. Nirali Jain:** no like specific training. There are a couple courses that you take that I took in in training as well, just to kind of understand what it sounds like to, I. Council of fertility preservation, patient with and without cancer. **Dr. Nirali Jain:** Um, and then, you know, you kind of just learn by experience and you form a niche for something that you're passionate about. 'cause that's what makes you, you know, really thorough in, in your treatment. [00:29:00] So that's one of my interests. Um, and, but I would say,  **Michelle Oravitz:** training for that. It's just like  **Dr. Nirali Jain:** yeah, **Michelle Oravitz:** just know how to treat that in  **Dr. Nirali Jain:** exactly.  **Michelle Oravitz:** especially if you're interested in doing that.  **Dr. Nirali Jain:** Exactly. That's exactly right. It's kind of, it just comes with the experience comes with your mentors and who you're surrounded by, and everyone kind of helps each other get to that point. But there are several specialists in our practice at RMA that specialize specifically in fertility preservation in cancer patients. **Dr. Nirali Jain:** So we have a close communication with our oncologist and they know who to refer to within the practice because everyone has their own little interests.  **Michelle Oravitz:** Amazing.  **Dr. Nirali Jain:** Yeah. **Michelle Oravitz:** Um, definitely. I, like I said, I really enjoy picking your brain because it's a lot of fun for me. I, I do  **Dr. Nirali Jain:** Totally.  **Michelle Oravitz:** acupuncture, so  **Dr. Nirali Jain:** Yeah, **Michelle Oravitz:** and I, I think that it's just so crazy that our fields don't work together. I mean, we kind of do, but I think, I just feel like it would be so great  **Dr. Nirali Jain:** exactly.[00:30:00]  **Michelle Oravitz:** the expertise because you guys have immense. Benefits like in, in, uh, technology and incredible innovations and, and then the natural aspect of really understanding the, the body. And I, I just think that it would work so amazing together if it was more of like a thing. 'cause it, I know in China they actually combine the two  **Dr. Nirali Jain:** Yeah.  **Michelle Oravitz:** eastern.  **Dr. Nirali Jain:** Yeah, I mean I think that that's so important and there is data that shows, you know, there's actually a recent study that came out just a few weeks ago on the benefits of acupuncture for fertility patients. And we know that, I mean, I recommend it to all of my patients, specifically the day of the embryo transfer. **Dr. Nirali Jain:** We, luckily, we offer it on site at RMA and we have acupuncturists that come in and, and do a session before and after the embryo transfer, and I think. A lot of that is targeted towards stress relief. But I also think that holistically it's important to feel at your best when we're doing something that's so crucial to your, to your health. **Dr. Nirali Jain:** So to really focus on the diet, focus on stress relief, [00:31:00] focus on meditation, yoga, whatever it takes to get to your best wellbeing when you're going through fertility treatments, um, is so important. So I appreciate  **Michelle Oravitz:** Mm-hmm.  **Dr. Nirali Jain:** like you that really specialize in the other side of. Of this, because I do consider it still part of the holistic medicine that we need to really maximize success for our patients. **Michelle Oravitz:** Awesome. Well,  **Dr. Nirali Jain:** Yeah, **Michelle Oravitz:** Jane, this is such a pleasure Of talking to you. You've given us some, so much great information and we've definitely dived into a, do a topic that I don't typically, I haven't yet spoken about. But, um, that being said, it's such an important topic to talk about. And thank you so much for coming on today. **Michelle Oravitz:** Oh,  **Dr. Nirali Jain:** course. **Michelle Oravitz:** I get off, how can people find you?  **Dr. Nirali Jain:** That's a great question. So I have, um, a social media page. I, it's called Expert nc. So like EGG,  **Michelle Oravitz:** I  **Dr. Nirali Jain:** um, expert nc. Try, tried to make it a little bit humorous. Um, but I'm all over social [00:32:00] media and would love to hear from anyone that is listening. I, you know, every, every day I get different, um, dms and I'm happy to respond. **Dr. Nirali Jain:** I love hearing about everyone else's. Stories and things like that. Um, so that is kind of my main, main social media platform. Um, and then through like RMA and Reproductive Medical Associates, we also have a YouTube channel. We have an Instagram page, um, of our office available, um, as well that is public. **Dr. Nirali Jain:** So you can find us pretty easily if you just kind of hit Google. But um, yeah, I'm kind of developing my social media platform as the expert and I hope it grows.  **Michelle Oravitz:** Love it. Great.  **Dr. Nirali Jain:** Yeah.  **Michelle Oravitz:** was such a pleasure talking to you. Thank you. so much **Dr. Nirali Jain:** Thank you. **Michelle Oravitz:** today.  **Dr. Nirali Jain:** Of course. Thank you so much for having me.  [00:33:00]   

In this episode I'm excited to introduce you to Dr. Shilpa Sayana. She is Board Certified in both Internal Medicine and Functional Medicine and practices in the Los Angeles area. As a menopause expert, Dr. Sayana helps women through perimenopause, menopause, and post-menopause, focusing on hormone replacement and both symptom management and prevention of health issues throughout a woman's lifetime. Over 1 million women become menopausal every year in the U.S. I – Dr. Doni – am so grateful to have been trained in how to support women through menopause using natural approaches and bio-identical hormones when I was in naturopathic medical school at Bastyr in the 1990s. I've been helping women for over 25 years. And I'm so glad more medical doctors, like Dr. Shilpa, are becoming open to natural approaches, and trained in how to support women. We're here to help! LINKS FROM THE EPISODE:   Join Dr. Doni's “Say Goodbye To HPV” Program: https://hpv.doctordoni.com/hpv/checkout-12week-program    Connect with Dr. Shilpa: https://www.sayanamedical.com/    Menopause Program with Dr. Doni: https://dv296.infusionsoft.com/app/orderForms/Menopause    Sign up For Dr. Doni's Masterclasses: https://doctordoni.com/masterclasses/    Schedule A Chat With Dr. Doni: https://intakeq.com/new/hhsnib/vuaovx    Read the full episode notes and find more information: https://doctordoni.com/blog/podcasts/ MORE RESOURCES FROM DR. DONI:   Quick links to social media, free guides and programs, and more: https://doctordoni.com/links     Disclosure: Some of the links in this post are product links and affiliate links and if you go through them to make a purchase I will earn a commission at no cost to you. Keep in mind that I link these companies and their products because of their quality and not because of the commission I receive from your purchases. The decision is yours, and whether or not you decide to buy something is completely up to you.

Bramming Gymnastik- og Idrætsefterskole går meget højt op i at samle penge ind til fordel for Børnelungefonden Vi fik en snak med Sidsel Gadeberg. lærer på Bramming Gymnastik- og Idrætsefterskole, om hvor meget de har indsamlet.

Have you been paying your Student Loans? Have you been waiting on forgiveness of your Student Loans? Recently, the Department of Education has begun collection efforts for Student Loan borrowers behind on their payments, who have not repaid their debts or entered into some type of workout plan regarding their Student Loan debts. The government estimates that there are 6.4 million Student Loan borrowers between the ages of 50 - 60, that owe a combined $282 Billion - or $46,000 per borrower. For some history or background, Student Loan payments paused during the COVID pandemic. But in October 2023, Student Loan payments resumed (subject to any workout plan negotiated with the Department of Education).  Now, the government is seeking collection against any defaulted Student Loans, and they have as tools, the authority, under certain circumstances, to: (1) garnish wages, (2) intercept and retain tax refunds, and (3) intercept and retain social security payments. Unfortunately, Student Loans are still largely non-dischargeable under Bankruptcy Law, although there have been some in-roads. So how can you manage?  There are still options available, including: Income-Driven Repayment. Public Service Loan Forgiveness (PSLF) Modification You can also plan ahead for the costs of Education, by researching the different borrowing programs, Grants, 529 (and similar) plans. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  And although the 2025 Purple Stride Walk is over, please consider a donation to Pancreatic Cancer research and education by joining Shawn's 2025 Team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacy8  The link will be available until June 30.

In this episode, we unpack the Supreme Court's unanimous decision in Cunningham v. Cornell University — a landmark ERISA case with major implications for retirement and health plan fiduciaries. We explain the facts behind the case, what “prohibited transactions” really mean, and why the Court's ruling on affirmative defenses matters. If your health plan pays fees to TPAs, PBMs, IDR vendors, or brokers, this episode is for you.

Got student loan questions weighing on you? You're definitely not alone. This week, we're opening up the Student Loan Planner mailbag to tackle some of the most pressing issues borrowers are facing. Should you switch IDR plans? Is Public Service Loan Forgiveness (PSLF) buyback the right move? We also address the very real frustrations with federal loan servicers — the long hold times, the inconsistent information, and the impact of staffing shortages. Beyond that, we'll cover practical tax filing strategies that could lead to significant savings, how to identify potential calculation errors in your loan details, and offer an update on the ongoing delays with forgiveness applications. If you're ready for clarity on your student loans, this episode delivers the answers you need in 2025. Key moments: (04:37) Stressing about interest accrual could be counterproductive on your path to loan forgiveness (07:45)  The PSLF buyback steps, and remember your qualifying payments don't need to be consecutive (16:53) Despite common talk of "old" and "new" IBR, there is technically only one Income-Based Repayment plan (26:07) A payoff strategy for a high-income physician facing loans without PSLF (43:33) Military families face unique PSLF considerations, with state residency affecting community property rules Links mentioned:  Income-Driven Repayment (IDR) Plan Request PSLF Help Tool Compare refinancing lenders   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

This episode is hot off the press! Today I saw an update from the Monash university about the changes to the classification of FODMAP foods and I'm bringing it straight to you! As a nutritional therapist working with people who have IBS I help people with FODMAP reintroduction so I need to stay up to date with any changes, and I'm bringing them to you, lovely listeners. This week I'll explore WHY FODMAP ratings can change, what it means for you, and which specific foods have been reclassified. LinksEp 28 - Fructose and how it affects your digestionEp 17 & 18 - introduction to the low FODMAP diet. **WIN** a free consult with me - give me feedback on my podcast here and enter into a prize draw to win a call with me - https://forms.gle/xChYCzyYEvtVcTNp6 Links from today's sessionBuy my Ultimate Guide to the Low FODMAP Diet - https://www.goodnessme-nutrition.com/ultimate-low-fodmap-diet-guide-find-your-ibs-triggers/2022 research Existing differences between available lists of FODMAP-containing foods https://www.reed.es/ArticuloFicha.aspx?id=6609&hst=0&idR=122&tp=1 Monash university - why do FODMAPs change - https://www.monashfodmap.com/blog/retested-foods-why-fodmap-content-might-change/ Work with me3 month Gut Reset - https://www.goodnessme-nutrition.com/consultations/Book a discovery call about working with me - https://calendly.com/annamapson/30min Ready for your gut reset?

What's coming for student loans over the next 3.5 years? There is a lot more than you've been told. Are there actually going to be changes? In this live stream, we're unpacking everything: ✅ The shift from the Department of Education to the SBA ✅ Proposed changes to IBR and the future of IDR plans ✅ The risk of PSLF disappearing as non-profit status comes under fire Are these real threats or just headlines. Whether you're chasing forgiveness, aggressively paying off debt, or somewhere in between… the next few years will separate those who plan from those who panic. We'll also cover: – What these changes really mean for new grads and borrowers – How to avoid the blind spots that trip up most borrowers – The steps you can take today to adapt before it's too late Oh and by the way, I also touch on tariffs....

OL er verdens største sportsbegivenhed og det bliver kun større og større. Idrætshistoriker Jørn Hansen for tæller os lidt om historien bag, mens koordinerende fysisk træner for Team Danmark, Thue Kvorning, fortæller os om atleternes forberedelse og om livet i OL-byen, som vi ikke får lov at kigge ind i.NB: Programmet er et genudgivet program fra da Fitness M/K blev produceret hos Radio24syv. Programmet blev sendt første gang 2016-08-13. "Hejsa, det er din vært, Anders her.Hvis du gerne vil følge bedre med i hvad der sker i Fitness M/K universet, så kan du nu blive skrevet op til vores nyhedsbrev. Der vil du på månedsbasis modtage nyheder om podcasten, som nye afsnit, kommende events, tilbud fra og samarbejder med podcast gæster.Du kan blive skrevet op til nyhedsbrevet her , læse nyt fra redaktionen her, se og søge afsnit her.Jeg håber at se dig i Fitness M/K universet på www."

What do the Browns do in the draft now that Joe Flacco joins the QB room? I Dr. Tom House advises that Shohei Ohtani gives up pitching I Nikola Jokic says he was not consulted on the firing of Michael Malone.

The Trump administration recently pushed out income-driven repayment (IDR) recertification dates — some all the way to 2027. (I'm not even kidding.) But can you actually count on these extensions? We're breaking down who should trust these announcements and who might want to proceed with caution. We'll also talk about the bizarre game of musical chairs happening between government departments. One minute it's the Department of Education handling things, then suddenly it's the Small Business Administration, and now the Treasury Department's involved? It's like watching a bureaucratic shell game in real time. Listen in as we try to make sense of what's going on, what you can trust, and what steps you should take to protect yourself. Key moments: (00:51) President plans to move student loans to Small Business Administration despite questionable legality and no operational details (04:05) Trump White House surprisingly ordered an extension of borrower recertification dates to no sooner than February 2026 (07:14) Court decisions that finally put an end to the SAVE plan could force millions of borrowers into disruptive repayment plan changes (15:05) Maintain your peace of mind by focusing on what you can control in your financial life   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

This week on "Off the Cuff," Beth is joined by Jill and Hugh to discuss some of the latest headlines impacting student financial aid. Kicking things off on an exciting note, Beth provides some background on NASFAA's new President & CEO, Melanie Storey, who will be joining the team on May 1. Jill then shares some breaking news concerning ED's planned negotiated rulemaking session focusing on regulations that would streamline current federal student financial assistance programs with a focus on Public Service Loan Forgiveness (PSLF), Pay As You Earn (PAYE), and Income Contingent Repayment (ICR). Hugh then debriefs listeners on President Trump's executive order seeking to dismantle ED. Jill wraps things up with more updates on the application status of IDR plans that ongoing legal challenges have impacted.

In this episode of Genetics in Your World, GSA Early Career Scientist Multimedia Subcommittee member Allie Hutchings interviews Dr. Evan Dewey of Winthrop University about the functions of Blm helicase N-terminal IDR. Read Dr. Dewey's paper titled, “Functions of the Bloom syndrome helicase N-terminal intrinsically disordered region,” published in the March 2025 issue of GENETICS: https://doi.org/10.1093/genetics/iyaf005. Music: Loopster Kevin MacLeod (incompetech.com). Licensed under Creative Commons: By Attribution 3.0 License, http://creativecommons.org/licenses/by/3.0/ Podcast Notes:Bloom syndrome helicase (Blm) has important roles in maintaining genome stability. About half the protein is predicted to be intrinsically disordered (IDR), and its functions are poorly understood. The authors of this study identified regions that are locally conserved in closely related Drosophila species, then deleted these and assayed various functions. They find that each region is required for a subset of Blm functions. The authors' modeling suggests these regions adopt structure in complex with Top2alpha and the results provide novel insights into Blm IDR functions. Dr. Evan Dewey would like to acknowledge the following colleagues: Colleen C. Bereda, Dr. Jeff Sekelsky, Dr. Christopher A Johnston, Denise Soroka, Dr. Mitch McVey, Carolyn Turcotte, Dr. Nila Pazhayam, Mohamed A. Nasr, Priscila Santa Rosa, Susan McMahan, Dr. Robert J. Duronio, Dr. Gregory Matera, Dr. Dan McKay, and Dr. Richard Cripps.Thank you to the GSA Early Career Scientist Multimedia Subcommittee, in particular the production team who worked on this episode: Allie Hutchings, Interviewer; Sarah Shahba and Laetitia Chauve, Researchers. Hosted on Acast. See acast.com/privacy for more information.

Student loans are a mess. They've been a mess for as long as we've been doing this, but right now? It's like someone took that mess, threw it in a blender, and hit "puree." We're answering a whole heap of listener questions. This episode is dropping on April Fool's Day, but no jokes or pranks here — just straight-up answers. Let's face it: the real joke is how convoluted this whole system has become. But we're tackling the questions head-on. And if you're one of the folks who sent in questions, thanks for trusting us with your financial headaches. We've got your back. Key moments: (04:34) The trap that will mean big trouble for borrowers if ICR gets repealed (12:06) No “processing shortcuts” exist — everyone's in the same slow-moving line (21:20) Inexperienced customer service representatives giving you the wrong answers (34:06) Why you might want to file a tax extension to see how student loan policies might shift (45:24) Financial windfall? Where to direct your cash for maximum impact Links mentioned: StudentAid.gov IDR plan request Certify employment for Public Service Loan Forgiveness (PSLF) Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Student loans — especially under income-driven repayment (IDR) plans — continue to be one of the most asked-about topics among ER docs. With all the recent changes, pauses, and legal uncertainty, figuring out what to do next has become increasingly difficult. We're recording this episode to help break down the latest updates, including the major change as of February 21st that halted all IDR applications, and to answer some of the most common questions we've been hearing. If you're pursuing PSLF, on SAVE, PAYE, or just trying to make sense of it all — this episode's for you.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!In this episode, Evon Mendrin, CFP® dives into the latest twists in the federal student loan landscape—and what they mean for optometrists using income-driven repayment (IDR) plans. There's big news on SAVE plan court rulings, loan consolidations, and IDR recertifications. But more than that, Evon explores the deeper question: What are the tradeoffs you accept when choosing an IDR path toward forgiveness?Whether you're a recent graduate figuring out your repayment plan or a practice owner managing loans alongside business goals, this episode breaks down the current student loan climate and the ongoing volatility—and why you should base your decision on math and personal tolerance for policy uncertainty.

The IDR recertification deadline has been pushed back again — this time, to no sooner than February 2026. And while that might sound like good news on the surface, we know it brings up a ton of questions. That's exactly what we're unpacking in this episode.   If you're on an income-driven repayment (IDR) plan or even thinking about it, tune in as we answer listener questions about what the new extension actually means for your monthly payments, whether it makes sense to start paying again now or keep riding the pause, and how this might (or might not) affect forgiveness programs down the road. Get insights and practical strategies to stay on top of your plan without going into a tailspin.   Key moments:   (00:31) Why it's important to be extra careful filing taxes this year (02:57) Paper vs. online IDR applications and why some are mailing backups (11:24) If you're in the Sweet v. Cardona group, is IBR worth it? (13:15) PSLF questions around buyback, forbearance, and filing a tax extension (19:35) What we know about the ongoing IDR application processing delays   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Intervention du dimanche 23 mars 2025 de Idrîs De Vos dans le cadre du cycle Ramadan "Le Coran, parole de vie" À l'occasion du mois de Ramadan 1446/2025, Conscience Soufie invite quelques femmes et hommes inspirés à témoigner de la façon dont ils furent saisis par le verbe coranique. Ils choisiront une thématique qui leur est chère et qu'ils ont envie de partager. Une parole lourde (thaqîl) capable de pulvériser les montagnes, voici comment le Coran se présente. Mais il est aussi descendu sur terre telle une pluie d'étoiles (tanjîman) par effet de la Miséricorde, et ne cesse de s'offrir aux cœurs sincères. Au fil de ces diverses rencontres, il ne s'agira pas d'exposer une exégèse savante, mais de faire état d'expériences transformatrices dans le face à face avec le sacré. « CONSCIENCE ET MÉDITATION DANS LE CORAN » La science des « objectifs coraniques » (ghayât ou maqâṣîd) intéresse les savants musulmans depuis des siècles, car son objet n'est rien de moins que de sonder l'essentiel du message coranique. Or, au cœur de cet essentiel, se situe la conscience. Comment ce mystère est-il abordé dans le Coran ? Et comment la méditation œuvre-t-elle à vivifier et à fertiliser cette conscience ? Idrîs de Vos est auteur, traducteur et enseignant d'arabe et de tafsir. Il est également le créateur de la méthode « L'arabe Coranique » en 3 tomes et le fondateur de l'Institut Imtiyaz. Né dans l'univers de la mystique musulmane et Diplômé de la Sorbonne en langue et civilisation arabes, il a beaucoup traduit les auteurs soufis, notamment Ghazali, et a écrit sur des thèmes importants comme celui de l'amour. C'est dans ce cadre qu'il a publié son livre « L'amour universel un cheminement soufi ». Pour plus informations: https://consciencesoufie.com/

Listen in with VIN Foundation board member and Student Debt Education lead Dr. Tony Bartels in this next installment of our Student Debt Series. In this episode we're covering the latest news on income-driven repayment application changes    Topics covered included: What happened to the Income-Driven Repayment application? If borrowers are using an income-driven payment plan right now, what should they do? How do these changes impact monthly payments for borrowers? How about borrowers who are hoping for PSLF? How do the recent changes impact them? What's the best approach for borrowers when dealing with loan servicers?   As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.     NOTE: This is an ongoing situation, for continued updates visit the VIN Foundation Blog and student debt message board areas.   GUEST BIO: Dr. Tony Bartels Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and an employee of the Veterinary Information Network (VIN). He and his wife, a small-animal internal medicine specialist practicing in Denver, have more than $400,000 in veterinary-school debt that they manage using federal income-driven repayment plans. By necessity (and now obsession), his professional activities include researching and speaking on veterinary-student debt, providing guidance to colleagues on loan-repayment strategies and contributing to VIN Foundation resources. Beyond debt, his professional interests include small- and exotic-animal practice. When he's not staring holes into his colleagues' student-loan data, Tony enjoys fly fishing, ice hockey, camping and exploring Colorado with his wife, Audra, daughter, Lucy, and their two rescued canines, Addi and Maggie.   LINKS AND INFORMATION: VIN Foundation Student Debt Center: https://vinfoundation.org/studentdebtcenter Time for your student loan physical exam? VIN Foundation My Student Loans tool http://www.vinfoundation.org/mystudentloans VIN Foundation Download My IDR Progress Google Chrome extension to help you grab a copy of your IDR forgiveness progress VIN Foundation Blog, most recent: All IDR applications for student loans are paused – Now what? February 2025 Q&A from Climbing Mt. Debt Webinar: What's Next for your Student Loans? VIN Foundation Navigating Uncertainty Checklist, what you can do now: https://vinfoundation.org/wp-content/uploads/2025/03/VIN-Foundation-What-You-Can-Do-Now-Navigating-Student-Loan-Uncertainty.pdf Climbing Mt. Debt webinar: What's Next for Your Student Loans? by VIN and VIN Foundation, February 5th, 2025: https://vinfoundation.org/resources/repay-wiser-veterinary-school-debt-loan-repayment/#MostRecentWebinar  VIN Foundation Relevant WikiDebt Resources: IDR Profiles: What is your IDR profile? IDR Discretionary income calculations Personalized student loan help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/  Department of Education Updates on Saving on a Valuable Education (SAVE Plan):  https://studentaid.gov/announcements-events/save-court-actions https://www.ed.gov/save https://studentaid.gov/  VIN Foundation get updates: https://vinfoundation.org/updates/ VIN Foundation GIVE page to support programs these programs & tools: https://vinfoundation.org/give Have a veterinary story you want to share? https://share.hsforms.com/1e6QkQvg2RI-wpDv59Byqkwcos60 Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/ Email VIN Foundation: studentdebt@vinfoundation.org If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we'd love to hear it!

The IDR and loan consolidation applications are down, repayment plans are shifting, and court rulings are throwing everything into question. If you're feeling stuck, you're not alone. Learn why the Department of Education is reworking the IDR and PSLF applications, what this means for your loan strategy, and how to make smart decisions despite the chaos. We'll also tackle listener questions about PSLF timing, repayment plan changes, and what potential policy shifts could mean for your forgiveness path. Key moments: (04:38) What the court ruling means for PSLF and ICR borrowers (07:16) Will my loans be forgiven? I'm two payments away from forgiveness and not IBR eligible (14:51) Is my income too high to qualify for financial hardship? (19:24) Do my Parent PLUS loans qualify for PSLF forgiveness? (23:06) What is the student loan “tax bomb” and will I have to pay it? Link mentioned:   Request an income-driven repayment plan   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Subscribe to our channel: https://www.youtube.com/@optispanThomas DeLauer & I (Dr. Matt Kaeberlein) discusses his evolving perspectives on nutrition, exercise, and health optimization. Thomas shares how his views on insulin, low-carb diets, and fructose have shifted, his approach to training for strength and longevity, and the importance of sleep, emotional well-being, and recovery. Delauer also touches on peptides, supplements, and wearable tech, providing valuable takeaways for those looking to improve their performance, body composition, and overall health.0:00 - Introduction & Thomas DeLauer's evolving views2:10 - The challenge of simplifying health content4:57 - Shifting perspectives on nutrition & health goals7:55 - Low-carb lifestyle & insulin reconsidered12:49 - A day in the life: Diet, fasting & protein intake19:04 - Strength training, cardio & hybrid workouts25:45 - Sleep optimization & recovery strategies30:11 - Emotional health, connection & mindfulness36:02 - Peptides, supplements & risk vs. rewardProducers: Tara Mei, Nicholas ArapisVideo Editor: Jacob KeliikoaDISCLAIMER: The information provided on the Optispan podcast is intended solely for general educational purposes and is not meant to be, nor should it be construed as, personalized medical advice. No doctor-patient relationship is established by your use of this channel. The information and materials presented are for informational purposes only and are not a substitute for professional medical advice, diagnosis, or treatment. We strongly advise that you consult with a licensed healthcare professional for all matters concerning your health, especially before undertaking any changes based on content provided by this channel. The hosts and guests on this channel are not liable for any direct, indirect, or other damages or adverse effects that may arise from the application of the information discussed. Medical knowledge is constantly evolving; therefore, the information provided should be verified against current medical standards and practices.More places to find us:Twitter: https://twitter.com/optispanpodcastTwitter: https://twitter.com/optispanTwitter: https://twitter.com/mkaeberleinLinkedin: https://www.linkedin.com/company/optispanInstagram: https://www.instagram.com/optispanpodcast/TikTok: https://www.tiktok.com/@optispanhttps://www.optispan.life/Hi, I'm Matt Kaeberlein. I spent the first few decades of my career doing scientific research into the biology of aging, trying to understand the finer details of how humans age in order to facilitate translational interventions that promote healthspan and improve quality of life. Now I want to take some of that knowledge out of the lab and into the hands of people who can really use it.On this podcast I talk about all things aging and healthspan, from supplements and nutrition to the latest discoveries in longevity research. My goal is to lift the veil on the geroscience and longevity world and help you apply what we know to your own personal health trajectory. I care about quality science and will always be honest about what I don't know. I hope you'll find these episodes helpful!

Last night, I went live to break down the latest developments in student loans, and trust me, there's a lot happening. First, we discussed the IDR injunction—why it's blocking all applications, what it means for borrowers, and what to expect next. Then, we dove into the budget reconciliation bill, which includes some major student loan changes that could impact repayment plans, forgiveness programs, and more. But here's the real question: What are the chances these changes actually pass? If you have student loans, you don't want to miss this episode. Tune in now to stay ahead of the game and make informed decisions about your financial future! If you need help with your finances, we'd love to help you find financial peace of mind. Be sure to become a Member of FitBUX today.  

Man kan man føle sig både utryg og uøvet, når man begiver sig ind i et træningscenter.'Måske føler du dig ikke selvsikker omkring den træning du skal lave, eller også føler du, at du mangler erfaring.Så kan du faktisk give dig selv følelsen af erfaring, ved at visualisere træningssituationen, og mentalt øve dig på, hvordan du ønsker at udføre den.Men visualisering er ikke kun et redskab for nybegyndere i træningscenteret - det er også for dig, der virkelig vil optimere din træning og styrke.Det tager Nikolaj en snak om med Michael, der er træner i Styrk Aalborg, Bsc. i Idræt og ægte visualiserings-nørd.---Vores nye Facebook-side:⁠⁠https://www.facebook.com/share/164cMDXwuS/⁠⁠Få en gratis træning på Træningsklubben i Aalborg eller Aarhus:https://go.styrkmig.dk/lokationBliv medlem af Træningstimens gruppe på FB, og få svar på dine spørgsmål om træning og kost:https://www.facebook.com/groups/traeningstimenFå en uforpligtende samtale om din målsætning:https://styrkmig.dk/booking/Tjek vores "Stærk hver dag" t-shirt:https://styrkmig.dk/vare/styrk-t-shirt/

Does Las Vegas make sense for Matthew Stafford? I Dr. Rock Positano, Podiatrist at HHS I Did Pat Riley ruin the Heatles?

This week on "Off The Cuff," Beth and Karen are joined by Megan and Jill to discuss multiple updates from the Department of Education (ED). Karen kicks off the episode by debriefing listeners on ED's Dear Colleague Letter (DCL) that directed institutions to cease using race preferences as a factor in admissions, financial aid, hiring, training, and other institutional programming, or be at risk of losing federal funding. Megan then discusses the latest updates with income-driven repayment (IDR) plans, including ED taking down the online application for the Saving on a Valuable Education (SAVE) program and other income-based plans. From there, Jill unpacks the availability of batch correction functionality for the 2024-25 and 2025-26 FAFSA, and what financial aid professionals can expect. Lastly, the team discusses Linda McMahon's pending confirmation as ED secretary, and the pending executive order from President Donald Trump that could seek to dismantle ED. 

The student loan landscape is a mess — uncertainty, delays, conflicting headlines, and a whole lot of anxiety. Should you switch repayment plans? Are you eligible for PAYE? And how could political changes impact Grad PLUS loans and Public Service Loan Forgiveness (PSLF)? We're answering real borrower questions and sharing practical steps you can take right now so you don't get caught off guard by sudden changes. If you're feeling stuck, overwhelmed, or just unsure of your next step, this episode is for you.   Key moments:   (06:08) Should you switch to a new IDR plan or stick with SAVE? (13:19) Could an executive order eliminate Grad PLUS loans? (19:32) Can DOGE change access to PSLF or IDR forgiveness? (25:23) Taking time off for kids? Here's how to manage student loan repayment during career breaks (32:43) What to expect with student loans and income recertification Link mentioned:   Income-Driven Repayment (IDR) plan request   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

A lot of borrowers are concerned about what would happen if the Department of Education gets eliminated. We'll walk through exactly what can and can't change based on the law, from Public Service Loan Forgiveness (PSLF) and Income-Driven Repayment (IDR) plans to the impact on your student loans. Plus, I'll give you clear guidance and action steps to prepare your finances. If you're worried about recertifying your income or wondering if you should refinance, this episode will help calm your nerves and give you practical steps to protect yourself.   Key moments:   (03:20) Your IDR payments could spike if you don't plan for how you'll file your tax return (04:54) Potential PSLF and IDR program changes that could affect your forgiveness (10:24) What a Department of Ed shakeup could mean for your student loans (14:33) The debt-to-income formula that determines your best loan strategy (19:41) The reconciliation bill could reshape IDR programs   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Confirmation battles are heating up, and student loan policy hangs in the balance. Linda McMahon is set to take over the Department of Education, but will her past come back to haunt her? More importantly, who will actually be in charge of student loan decisions? We address why student loans have been on the back burner, what could change, and how much power the Trump administration really has over repayment plans, IDR adjustments, and recertifications. Plus, we tackle must-hear listener questions to help you navigate shifting student loan policies, avoid costly missteps, and make the best decisions for your repayment strategy. Key moments: (00:43) Linda McMahon's confirmation is all but certain, despite past allegations (05:56) Who will shape Trump's student loan policy? With confirmation battles ahead, there's no clear leader yet(06:46) Student loans aren't a priority for Trump's education team — where does that leave borrowers? (15:00) Over 300 qualifying payments and still waiting… should you switch repayment plans, or does it even matter? (20:46) Could Trump erase the IDR account adjustment? Yes, but it isn't likely (32:14) IDR recertification is in Trump's hands, and borrowers need to be ready with the right tax returns Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

In this episode I'm really excited to introduce you to Dr. Aimie Apigian. She is the author of the book "The Biology of Trauma" and specializes in helping people recover from trauma using somatic therapy and “parts work,” which is a form of psychotherapy developed by Dr. Richard Schwartz. As listeners know, I (Dr. Doni) have been researching and writing about stress and trauma for over 30 years. I feel it is imperative that we support patients to recover from stress and trauma, which is how I developed my Stress Recovery Protocol, and why I continue learning modalities, and teaching courses, on how to help humans heal. This is why I'm so glad to share Dr. Aimie's expertise with you in this episode. Most of us are exposed to some form of stress or trauma, whether we realize it or not. The body holds memories from the past that we don't even remember logically - it's not even in our conscious mind, and yet our body holds the memories of all of that. This makes it such an important topic to discuss. We're here to help you! LINKS FROM THE EPISODE:   Join Dr. Aimie's 21 Day Journey to Calm Aliveness: https://traumahealingaccelerated.mykajabi.com/a/2147704575/LPnkwbhr    Take Dr. Doni's Stress Type Quiz: https://doctordoni.com/quiz/stress-quiz/    Sign up For Dr. Doni's Free Masterclass: https://drdoni.lpages.co/menopause-masterclass/     Schedule A Chat With Dr. Doni: https://intakeq.com/new/hhsnib/vuaovx    Read the full episode notes and find more information: https://doctordoni.com/blog/podcasts/ MORE RESOURCES FROM DR. DONI:   Quick links to social media, free guides and programs, and more: https://doctordoni.com/links     Disclosure: Some of the links in this post are product links and affiliate links and if you go through them to make a purchase I will earn a commission at no cost to you. Keep in mind that I link these companies and their products because of their quality and not because of the commission I receive from your purchases. The decision is yours, and whether or not you decide to buy something is completely up to you.

I'm thrilled to have John Swallow, CEO of Idaho Strategic, back on the podcast. John has been one of my favorite guests over the years. He's built Idaho Strategic $IDR from a near-bankrupt entity to a $160M+ company today (as of this podcast). I first had John on the podcast last February. Things were a lot different then. Gold is much higher now. IDR is profitable. They have no net debt. But John isn't satisfied. He's building a real company. One that will last for decades after he's gone. This is the story on how he plans to do that, what makes IDR unique, and why building a business by starting small still makes sense. Finally, a big thanks to our sponsors for making this episode happen. Mitimco This episode is brought to you by MIT Investment Management Company, also known as MITIMCo, the investment office of MIT. Each year, MITIMCo invests in a handful of new emerging managers who it believes can earn exceptional long-term returns in support of MIT's mission. To help the emerging manager community more broadly, they created ⁠⁠⁠⁠emergingmanagers.org⁠⁠⁠⁠, a website for emerging manager stockpickers. I highly recommend the site for those looking to start a stock-picking fund or just learning about how others have done it. You'll find essays and interviews by successful emerging managers, service providers used by MIT's own managers, essays MITIMCo has written for emerging managers, and more! TIKR TIKR is THE BEST resource for all stock market data, I use TIKR every day in my process, and I know you will too. Make sure to check them out at ⁠⁠⁠⁠TIKR.com/hive⁠⁠⁠⁠.

With a new Trump administration taking office, the next 100 days could shape the future of student loans in America. We're breaking down what we're watching and what these potential changes could mean for borrowers.   Key moments:   (01:06)  The GOP's budget reconciliation bill and how it could impact borrowers nationwide (03:46) A closer look at the proposal to end time-based forgiveness and require full repayment of principal plus interest (05:03) How student loans factor into the GOP's proposed spending cuts and what might happen next (10:16) Will the Biden administration's IDR account adjustments survive under GOP leadership?   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

We'll look ahead at major changes in student loan repayments under the new Trump administration, with potential IDR recertification deadlines and implications of the 8th Circuit's decisions. Plus, I'll share a personal story about an investment mistake that cost me thousands and tips so that it doesn't happen to you.   Key moments:   (01:28) Student loan collections are restarting: what it means for your credit and forbearance (03:49) What cost basis is (and a personal story about how ignoring it cost me thousands) (09:49) Are AUM fees worth it? Breaking down the math (15:06) Understanding technical investing strategies can give you an edge in wealth-building Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

The clock is ticking on the double consolidation loophole for Parent PLUS Loans, which closes in July 2025. Learn what this change means, why borrowers must act quickly, and how to make the most of the remaining time. We'll tackle the big questions: Should you file taxes jointly or separately? How do Medicare penalties and student loan repayments overlap? And what strategies can help you maximize income-driven repayment (IDR) plans before the loophole disappears? Jared Costigan, CFP®, CSLP®, a financial planner with the SLP Wealth team, shares expert advice on preserving retirement savings, aligning Social Security with loan repayment, and leveraging Public Service Loan Forgiveness (PSLF). Key moments: (05:16) Parent PLUS debt surged 63% from 2015 to 2022 as the cost of college climbs (9:19)  The double consolidation loophole could save you from paying 20% of your retirement income (19:38) Who benefits most from a double consolidation? Borrowers with balances nearing or exceeding their income (27:56) Income planning ties Social Security and loans to retirement timing — don't overlook it (37:32) Filing taxes separately can lower loan payments but may raise Medicare costs Links mentioned:    Financially Free Physicians podcast Department of Education Parent PLUS Loans Parent PLUS Double Consolidation Loophole Guide for 2025   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Looking at my 2024 whiteboard, some of my goals will go unchecked.   → But my clients crushed theirs. → Making the big bucks → Landing huge 15/10 roles   All while overcoming ageism   → Building new networks to last a lifetime → Leading companies and changing industries → Lifting others up without a second thought.   I've described it as the year of EVERYTHING.    And you top the list.  You've listened You've shared You've subscribed and written reviews.    THANK YOU!  I strive to continue to bring you new guests that honor your time Challenge your mind And reframe your thinking.    This week we'll keep it short, with key takes from 13 this year's most listened to episodes.    Full episodes are here:  Your First Step On LinkedIn I Jasmin Alic  Awkward? Good! | Henna Pryor Time Rich? Energy Poor? | Simon Alexander Ong How To Become Unignorable I Communicate Like 1% of CEOs I Oliver Aust How To Be A Likeable Badass And Why It Matters I Alison Fragale The Universal Ism, Ageism I Dealing With It In Your Career (Pt 1) I Maureen Clough Copy For C-suiters, Words That Win Jobs I Adam Knorr Storytelling IS Everything I Michael Margolis Find Your Unique Voice (Even If You Think You Lost It) I Melissa Cohen & Julie Michelle Morris What's The Difference Between Culture Fit & Culture Climate? I Dr. Colleen Saringer You're A Legend In the Making: Secrets to Executive Transformation I Howie Chan Soothing Lies: Debunking Self-Care Fairytales I Randi Braun Mindfulness In Your Career Is BS | Steve Ware   Follow me, Loren Greiff on LinkedIn Book a call with me

Stuck in holiday traffic? Make the most of your travel time with our curated collection of student loan resources perfect for your commute. We'll explore the latest Pay As You Earn (PAYE) rumors, tackle tricky PSLF payment count challenges, and share a simple yet effective tool to estimate your IDR forgiveness progress while we wait for the Department of Education's much-anticipated tracker. Key moments: 02:41 New resources you'll love: Podcasts for dentists, physicians, and veterinarians 05:36 How to pinpoint your payment count if you're curious where you stand on forgiveness 14:11 Nearing 120 payments? Don't miss this step-by-step guide we've been sharing with our clients 28:23 PAYE might be making a comeback: The pros, cons, and what it could mean for you 
Links mentioned:  PSLF payment tracker through StudentAid.gov https://studentaid.gov/app/api/nslds/payment-counter/summary Financially Free Dentists podcast Financially Free Physicians podcast   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning   Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!