Podcasts about national directory

Bridget Wall, Mitch Stein and guest Helen Townley, the National Directory of Policy and Accreditation at the Australian Health Practitioner Regulation Agency (AHPRA), discuss changes to AHPRA's social media guidance to clarify the types of notifications that are more likely to trigger an investigation, for example publishing false or misleading information or breaching confidentiality. They also discuss AHPRA's changes to advertising guidelines, particularly in relation to cosmetic surgery and cosmetic services.

Guest speaker, Rev Rosie Fyfe, National Directory of NZCMS, speaks to us at our morning services today about overseas missions.

In today's episode of the IC-DISC Show, we chat with Jerry Vaughn, founder and president of J Gault, a company revolutionizing business financing. Jerry explains how J Gault enables Main Street businesses to reap corporate credit opportunities by leveraging their EINs and NOT having to provide a personal guarantee. He shares insightful stories of entrepreneurs who, thanks to J Gault, secured lower interest rates and increased funding despite lacking revenue history or business plans. As Jerry describes, J Gault's approach prepares companies for economic uncertainty while ensuring they emerge stronger. Whether you're an entrepreneur looking to scale up or a small business owner pursuing growth, this discussion with Jerry Vaughn illuminates the transformative potential available by accessing business credit innovatively.   SHOW HIGHLIGHTS The episode features a conversation with Jerry Vaughn, the founder and president of J Galt, a company revolutionizing business financing. Jerry explains how Main Street companies can leverage their Employer Identification Numbers (EINs) to build corporate credit and access competitive rates. Real-life examples, such as Randy, a contractor from North Carolina, and a real estate investor from Texas, demonstrate how J Galt has helped transform businesses by improving their funding. Jerry emphasizes that J Galt's approach is not just about securing funding, but also preparing businesses for unpredictable events and ensuring their resilience. One of the major benefits of J Gault's approach is allowing smaller companies to avoid personal guarantees when accessing corporate credit opportunities. The company offers a membership program that provides lifetime support, including cash flow management services, business valuation assistance, and exit strategy planning. There are rules for "fundability" that businesses need to adhere to, such as having a business bank account, a registered phone number, a website, and a corporate email address. Building company credit on the EIN number and avoiding personal guarantees is a secret to accessing cash flow, according to Jerry. Jerry mentions that the mission of J Gault goes beyond merely selling—it's about serving and educating entrepreneurs and small business owners. The episode emphasizes that just because a business is labeled small doesn't mean it has to stay that way. With the right financing strategies, businesses can scale and grow. LINKSShow Notes Be a Guest About IC-DISC Alliance About J.Galt Finance Suite GUEST Jerry VaughnAbout Jerry TRANSCRIPT (AI transcript provided as supporting material and may contain errors) David: Hi, this is David Spray and welcome to another episode of the IC-DISC show. I had a great guest on today, jerry Vaughn, who's the founder and president of J Gault, and for those of you who are big and Rand fans, you may recognize that name. It's inspired by the character John Gault from the book Atlas Shrug by Ayn Rand. So J Gault is a disruptor in the business financing world and basically they allow main street companies privately held, closely held, small to medium sized companies to get access to the same corporate credit opportunities that large public companies have. And one of the biggest benefits of this approach is it allows smaller companies to get rid of the personal guarantee. I know for many of my clients that's one of their big frustrations is they really don't want to be personally guaranteeing business credit, business debt. Oftentimes it's because their spouse isn't keen on using their house as collateral for a business loan. So it's a great episode. We talk about a variety of different things some stories about customers of theirs. They have a membership program and it's really a great service that I find to be really intriguing. So I hope you enjoy the episode as much as I did. Good morning, jerry. Welcome to the podcast. How are you doing today? Jerry: I'm doing fantastic, David. I appreciate you having me on today. David: Well, my pleasure. So where are you calling in from today? What part of the world are you in? Jerry: A big metropolis of Indianapolis, Indiana. David: Ah well, one of your suburbs, I think, has the most roundabouts of any city in the country, carmel. Jerry: Yes, Carmel. Carmel in California and Carmel in Indiana just like the candy you would eat. David: Sure, have you been through any of those famous Carmel roundabouts? Jerry: Actually, where I live, carmel Fisher's, nobleville it's the city sister city is a roundabout. Yes, I actually like them. At first I was like what is this? But actually it moves traffic and sufficient as long as the people in front of you know understand. David: Yeah, I actually heard a podcast with the mayor of Carmel, because something like Carmel accounts for more than 50% of all the roundabouts in the US. It's a crazy number. And he was talking about all the benefits and he said the only drawback. He said there's a few times during the day, like peak traffic times, where it's arguably a little less efficient. But he said the other 23 and a half hours a day it's far more efficient because you never have to wait for a stoplight. And he talked to me have you ever been driving in the middle of the night and you come up to a stoplight and there's no traffic within a mile any direction? But technically you're supposed to wait for the lights to turn. Jerry: That is correct technically. David: Technically correct, I find. If it's three o'clock in the morning, I ask myself have I had any drinks this evening? And if I have, then I'm going to wait for the lights to turn. If I hadn't had any drinks that night, then how much trouble can I get into? Jerry: That is exactly right. I do the same thing. I'm like, well, there's nobody anywhere, you sit there and it feels like it's been 10 minutes, probably been a couple. But I'm like, really, why am I sitting here to stoplight? David: I know so are you a native of Indiana? Jerry: I am. I was actually born in Hoopston, illinois, but we grew up in a western city in Indiana, so almost to the border. But I've grown up as a Hoosier most of my life, okay. David: Nice Bye, folks, and fun Bye. Get into your business. So the name of the company resonated with me immediately because there's a character in one of my all-time favorite books by the name of John Galt and there's a famous phrase from the book called who is John Galt? Now, is this just coincidence, this JGalt, or is there any connection? Jerry: Well, I'm glad that you brought that up because it doesn't stand for Jerry Galt, I can tell you that. So we couldn't use John Galt because it's obviously patent and has a huge following. But it is off the premise of the book Atlas Shrugged by Anne Rand. So who is John Galt? The whole story of the government takeover, small business and controls and regulations and all of that and that fish, you know book that was written by a Russian immigrant that understood communism, came over. She saw it in the 1940s and she said what is going on? I'm saying the same stuff right here. So she wrote that fictional book in the 50s, as you know. But it's kind of a big deal and it's coming out and there's a big following and people get it. But yeah, you're exactly right, it is John Galt. David: So it's probably actually not a bad filtering process, because I find that there's three types of people in the world. There's people who've read Atlas Shrugged and think it's one of the greatest artistic works of all time. There's folks who've read it and think she's the devil and it's the worst thing ever written. And then there's folks who've never heard of it. So I find that people tend to follow one of three camps. There's not many people that are like yeah, I think I read it, I think I vaguely remember something about it. So it's probably a good self-selection process, right? Because the people who read it and think it's the most evil book ever written probably aren't the mindset of your ideal customer. Jerry: I'm guessing it's pretty close right, but it's surprising on how many people know, even myself. As we name the company, you know your particular activation system in your head, just like when we buy a car. Right then, after we buy a car, you start driving around like man. Look at all the people that bought the car I have this is great following my lead. Now, they were already there. I see who is John Galt stickers on the back of bumpers and on the back of their windshield. I've just it blows me away. But you're exactly right. Most of the entrepreneurs, because we are working only with main street business owners. Okay, small and medium-sized companies, not the wall street companies. So those are the people we're serving and most of them all of us that own businesses and have done that get the challenges and the works and we're just trying to do the best we can to serve the communities and then build a profitable and a great company with our services or products. David: Sure no, I like it. So her book, the Fountainhead, I have a slight preference for, like I mean they're my two favorite books, you know fictional books ever written, for sure. But I have a slight preference for the Fountainhead but only because the individualistic aspect. I assume you've read the Fountainhead too yes the individualistic aspect of the Fountainhead just resonates a little more. There's a great line in there where work has to sell an architectural commission to a committee and the committee all wanted to make changes to it and his sponsors, like they're minor, go for it. As you, you know, recall, he like can't do it. But he had a great line in there where he was talking, I think, to his, his buddy, his Irish construction buddy, explaining why he didn't get it and he said you know, I've never sold a project to a committee and that really resonated because that's how I've always been in my career. It's like you know, if I meet the entrepreneur and I have a conversation and it's a fit, good things happen. But when it's a committee, I don't seem to have much, much luck. Jerry: I'm glad you brought up this. One of my favorite things and that's when I you know it's amazing, it's. I agree with you. Both those books are in my top favorite fictional books ever written. But I think there's a lot of great content, especially for the entrepreneur, of what you have to do. I mean, if you're not a disruptor, if you kind of stay under a ceiling and you're like, hey, I'm not going to change where you work, I don't know what your thoughts are, but I kind of say that if you're an entrepreneur, a successful entrepreneur, normally you're kind of a freak. Right, you're looked at as a freak in the industry and I think that's well put on the committee. I'm not here to appease the committees, I'm here to disrupt the industry on how Main Street and business owners will get funding, not just through how the traditional style is. So that's not our company. So I think the whole Atlas shrugged and Fountainhead there, even though they're fictional books, there's a lot of great content and, I think, some kind of rules of engagement for the entrepreneur. David: Yeah, I was just before this. I had a call with a colleague and he really had very little familiarity with Ann Rahn's work and early heard of it, so he had just bought the audible for Fountainhead. So I'd recommend you start with Fountainhead, so we'll see how that goes. Jerry: That's excellent. David: So talk to me. So what are you guys doing to help those you know privately held, closely held you call them Main Street businesses. You know what's kind of your sweet spot, revenue wise? I get it's probably a broad one, but like for us, like 90% of our clients have revenues between 10 million and 100 million like what's your sort of sweet spot where most of your clients fall in? Jerry: I'd say 250,000 to 450 million a year. David: What if you had to narrow it down a little bit? Go ahead. Jerry: Your sweet spot today, david, is probably somewhere in that. I'm going to say 10 to 25 million is our sweet spot. You get to the 100 and 250 million dollar companies. They do have a lot of cash flow and they've got profits and they've got, you know, banks that give them lines of credit even though they're personally guaranteed. So it's a little harder to get in the door. But we're getting in the door with those now and they're seeing what's going on. But our sweet spot today would be that 10 to 25 million. David: Okay, that is helpful. And the reason I narrowed you down here is because our audience who CPAs and attorneys who have clients, when you say 250,000 to 450 million, it doesn't quite resonate. When you say 10 to 25, now all of a sudden they can think of their clients, or in the 10 to 25 range. So talk to me and you kind of touched on it talk to me about this whole personal guarantee thing and there's probably, I'm guessing, some history behind it. So what's the story? And talk to me about this personal guarantee thing. Jerry: Yeah. So when we say we're disruptors and I just want to make sure that your audience understands you know the 250 to 450. When you look at your EIN that tax number that you get from the IRS that's just like your SSN to building personal credit. Your EIN can build company credit. Your company has its own credit score and its own report and so does your personal social security number. So when you give that broad scope just for your audience, you get someone that's just starting out with a startup or they're cranking out 20,000 a month. It just gets hard to try to get funding without why bank revenue statements, tax returns, business plans, revenue looking at your personal credit just to try to get the operating budget to be able to run your company and then to grow and scale and seize opportunities to grow and scale, because we all know as entrepreneurs that when you have an opportunity in front of it, it's not like you can plan and then just hit exactly when it happens. When you need to seize an opportunity, you don't have 60 to 90 days to qualify for it. So we look at what Jay Galt's main premise is and our advantage and really how we impact that entrepreneur in the world is what we do is we focus on the EIN and to build credit on that. It's actually very simple. Has nothing to do with revenue, has nothing to do with what your financials, your tax returns or how long you've been in business. It's just about taking that tax number and making it fundable so you can get access to corporate vending and lending, and your rates are typically 0 to 5%. I mean, we're getting people vehicle and equipment loans at 1.9%. Corporate credit cards are 0% on three to 12 month terms, right, not just on balance transfers. So that's the power. That's how your Wal-Mart's and Googles and Amazons and your Apples of the world are able to do what you and I, david, have no problem with paying interest, as long as it's a positive arbitrage. What we can't do is pay 30% to 50% in interest when we're only making 25% to 35% in money. So how you flip the script is you got to get access and get your company fundable so you can get access to banks' monies to leverage that at better rates in terms, so you can grow in scale without going into what Debt risk or paying too much in interest where it's not a profitable proposition. We see that every day and I know you do, david, right. People get in these small little bridge loans and if they don't get them paid off they'll come out or close on your mortgage. David: And then the other aspect of it then is when the underwriting is done on the company's EIN, there's less of a need for personal guarantee right, because they're under the business Right Typically that doesn't even come into play your credit score, your personal inquiries or what your credit score looks like. Jerry: That has nothing to do with building company credit is vanilla. It doesn't matter if you're a man or a woman, you're a Democrat or Republican, what your religion is, because it's a tax number. There's no bias on that number. Where that can come into play on your personal credit, right when you walk into a bank. But it doesn't have that when you're looking at a company's index, because a company is not a man or a woman or a Democrat or Republican or a certain type of it. It's where your Social Security is tied to an individual. Your EIN, that tax number, is tied to the company. David: Okay, Well, that sounds good and is the motivation for your customers trying to get rid of the personal guarantee or trying to get better interest rates on borrowing. Jerry: Most of the time they get tired of the personal guarantee business. Right, you're married, you're watched like you're not putting the house on the line, right, exactly so if you want money, they always have you check a box and do a little initial where, hey, we're going to give you the money because we believe in you and you believe in your business. We just need you to check the box and this is just a what. This is just a normality. But if something would happen we know that's going to happen. If something would happen, you understand the banks right. Since we're giving you money is we'll have access to your 401ks, your kids college funds, your second home, your cars, your current home, your family's living underneath. That's just a technicality. So a lot of them want to get out of the personal guarantee business or they don't grow in scale because they don't want to risk tying up their personal assets to leverage to their company's funding. So that's the first thing. But getting corporate capital on your EIN, you're going to get 10, 20, 30, a hundred times the amount of money on your company. Then you're ever going to get on your SSN because you're only going to stretch that personal credit bubble so far, because then they're looking at underwriting risk on you personally. They look at the company's revenue, but the company has nothing to do with it. If you don't have a corporate credit. They're always going to look at your EIN first, but there's usually nothing there, so they always revert what Back to revenue bank statements, underwriting risk, ar balances, invoicing. So there's a lot that goes into that. So you can see how complex that gets and how it can. What limit you on getting and seizing opportunities and then, more importantly, getting better rates in terms of run the operation, so you can leverage the bank's money because, david, you and I get this right. I'd rather use the bank's money than my money. I'd rather take my money and put it in vehicles that does what with my money. David: No, that really makes a lot of sense. So what's the disruption you're doing is basically bringing this Wall Street credit access to Main Street businesses. Is that? Jerry: education Right. First thing we do is I was asking an owner. I said, hey, what's your personal credit score? And they always answer right, 720. What's your company's credit score? What do you think I get most of the time? David: Right, no idea what are you talking about. Jerry: Right. So we have a seven step blueprint, but we're all about education. We're not here to sell anything, we're here to serve. So, just like in the whole Atlas Shrug with J Galt, john Galt, right, we're here to serve and connect with people and give them education on things that they don't know. It's not the CPAs or the accounting firms fall. It's not the bankers, it's not the tax attorneys. That's not their job of what they do. What J Galt does is we do the same thing. People understand personal credit. They just don't understand company credit and how easy it is to get there. There's just a secret set of rules. So our job is to educate you on the seven step blueprint of how you can get your company fundable, so you, as the owner, can survive storms. Right, you don't have to worry about the four things that can take the legs out of a business economy. You and I do. We have control over economy, david. Nope, how about inflation? Nope, does that impact us? Sure, sure it does. How about a government regulation? David: No control, almost no control, I mean in theory. If you're part of a lobbying group, you know you might fit very little. And what's the fourth one? Jerry: Yeah, but then you're going to have to have some capital to have some of these lobbyists for it, right, they're not free, sure. And then the second thing is just a you ever. I don't know if you've ever experienced one of these at all, david, but you ever heard of a pandemic? David: I think I have. I think we had one of those like a hundred years ago. I heard about it 1918, I think we had one. Yeah, I think it was, if we had anything close. Jerry: I know you and I have never experienced one of those lately right. But, even on that it's a cripple of business. Some it's a lot of businesses actually did a really great job. Sure, a lot that it really affected there's over. You know, 60% of businesses haven't even made it back to pre-pandemic revenues today because they raise the prices, inflation's there. I mean you've got a lot of things going against you. So how do you survive that and how do you get through those things? How do you prepare for the storms and survive the storms? And it's really about if it makes sense for the business on you moving forward and getting to the goals or solving the challenges, but it's really about getting fundability on your company. That's the answer to that question or challenge. It's the most vexing problem with small and medium-sized businesses today is getting cash blow. David: Okay. So I love stories. I think they educate well. Do you have a story or two of, like, a client of yours that you could talk about anonymously and maybe kind of set up what their scenario was before they met you? What's their scenario like now that you can be mined? Jerry: Yes, we have a guy that's in the contracting business out of North Carolina. We'll call him Randy, okay, but he came to us and we actually approached him and we had a conversation. But he's been in business for almost eight years doing well, has access to his local Chevy dealer, his local bank, where he deposits his money, and his credit score wasn't bad. He said, oh, I know how to do this. I have a Dun and Bradstreet number, right, that's the largest credit bureau, like TransUnion is on our consumer side, Dun and Bradstreet is on the business credit side because there's business credit reporting agencies and there's personal credit reporting agencies, right? Well, personal credit reporting agencies nothing to do with your company. It's the business credit reporting agencies to have everything to do with your company. So that's another tip that I'll give your viewers out there and listeners today. Right, Okay, so, but with Randy as we were having the conversation, with Randy as we were having the conversation, David, he understood it, but he really didn't, because where he was going and putting his deposits in, he just thought this the way it was and he actually was doing pretty well. He had a credit line recommendation about 67,000 on his company. We ran his company credit report After four months and just getting his EIN fundable the same Chevy dealer that he's been buying his vehicles for the last eight years. He's been getting anywhere between a nine and 15% rate. Wow, After four months, with Jay Galdin focusing on his company EIN that tax number he would walk into the same Chevy dealer and got his lowest vehicle right About a $51,000 van for 1.9% interest rate. Wow, and that's impactful. He looked at me and he goes Jerry, I can buy five of these vans now instead of just one at a time, right, Because that interest rate is so impactful. So it's just about he's still going to pay interest, but 9% or 1 or 2%, which one's better for a company, right? So that's one success story. And that was just after four months of it's all intentional work. It doesn't take a lot, by the way, just so if you're asking. It only takes two to three hours a month to do this. I didn't say a day or a week per month, but it's like going to the gym, David. I mean, you're a healthy guy, right? You can sign up for a membership just because we're paying for a membership to the gym. Do we get six pack abs and do we get a healthy heart just because we pay a membership for a gym? David: Unfortunately not. Jerry: Or is there a thing you just take three pills a day and you can get physically healthy there? David: you go, that's what I'm looking for. Yeah, that's what we're selling today. Jerry: We're living an immediate gratification world, right, we want food today. We got DoorDash. We want same day shipping. We want our stuff today, and that's the world we live in. But to get access to that it does take the hustle and muscle. It doesn't take a lot, but you're going to have to do the work. It's just like taking a walk every day for 30 minutes is so good for our health and our heart and it's hard for us to find time to schedule it. But just like this, you have to put in the work if you're going to get your company f*****g and funded right. So that's one story. Second story is we have a real estate investor guy down in Texas and he's been in business for over 20 years. I mean he's a Texan, I mean you know Texas, I mean it's the Republic of Texas, I mean it's his own country. I mean you know what I'm saying there, right? I do, I do. I know you have some clients down there as well. So when I look at Texas, this guy had really a big ego, been doing a great job, very successful. He has over 105 properties, okay. So he's a big deal, okay. I'm not going to mention his revenue because some of my taggamer I was just saying, here he is. So he came to us and he couldn't get funded and he thought our program was full of it. Right, he says this is just sounds too good to be true. I don't. I've been doing this. I've got bankers, I've got a fractional CFO, I've got this figured out. I don't see your help. So then we got into asking about personal credit and company credit as company's credit score and he thought he had a good company credit score. So we ran the report, went through it. Here's the thing he had some blemishes, but here was the big problem on fundability. He'd been in business for 20 years and moved to a lot of different locations and it filled out a lot of paperwork. We're all busy. When you're an entrepreneur and you've got a hundred and over a hundred properties, I mean you're busy. Sure, you've got a lot of stuff going on. So he would have filled out the Dunn and Bradstreet and he put WM period with the secretary of state. He was listed as William. Well, you and I know that WM, period and William mean the same thing as humans, right, right, your cross references WM period and William. What does it say? A mismatch and it's an automatic decline. He also didn't have his phone number. Listen to this, folks your phone number can't be a cell phone number. It has to be a landline or a VoIP service. Now, the VoIPs can be what. It can be transferred to your cell phone number David, let me ask you a question When's the last time you use 411 or your area code in 5551212 to look up a business number 30 years, do you know? If your business landline or void number is not registered with 411 National Directory, it's an automatic decline for corporate funding. David: I did not know that. Jerry: So that's another secret rule. So this is some education that David and I are providing to just things like that Having a website or landing page, having a corporate email address. Your number has to be listed. You have to have a business bank account. There's just a little thing. And why is that, folks? Over 80% of small businesses fail in the first five years because of cashflow. Well, if you don't look like a real company, you don't have a phone number, you don't have the business bank account, merchant services, you don't have a corporate email it's a PO box. You can't use a PO box. Well, I have a UPS store, david. It's a fancy PO box. It's still a place where you don't live and they can't access you. So a home address can be used, even though I don't recommend it, because now they'll know where your family lives and lives the whole entire world. But you can do things and get systems and processes put in place. It's all about fundability. On the company, no different than you are personally, it's just a lot easier to get personal credit because there's over 4 million people using it to finance their lifestyle. However, on businesses, they tell us that we can be protected from lawsuits as a limited liability corporation and we'll get funding. Here's the only problem. We never signed up for the credit bureaus that report our business payments so we can build fundability with the corporate vendors and vendors, right? No one told us that. So when you go to deposit your money in the bank, david, what happens? They try to get you money. They look at you and they just said, hey, here's a business credit card, we can get you a line of credit, but we just need you to do what with it personally. Gary, you got to get it fundable and you got to find lenders and vendors that report. And this Texan okay that once we got his name right, got his phone number listed and he had a couple of blemishes that he wasn't aware of we were able to get him all of these commercial real estate loans with no guarantors, not leveraging his other properties. He was able to get corporate millions of dollars in corporate in less than a year, all on his company now, which is a couple of fundability rules and a couple of secrets that he wasn't available on how to turn his company in standing on his own two legs financially just by the fundability rules, the corporate credit bureaus and using vendors to report in the lining up so he can get access to the same things he was doing now, but he was personally guaranteeing everything leveraging his other properties or his name to continue to grow his real estate company. David: Yeah, and I imagine does that also mean that in theory, if he wanted to, if each project if he wanted to have as a separate entity, he could avoid that cross collateralization issue. Yes, because that's the other problem I understand there is that all 105 of those properties are all cross collateralized. So if he has one project that somehow just goes belly up or property that it risks the other 104 properties Correct. Jerry: And if you get it on your company, then it doesn't put that into play, because when you're using personal credit, they're always going to leverage those. Because you are, you're putting those other properties as a the guarantee against the loan for that new property. If it does go belly up or doesn't do as well as you thought, that happens, right. When you're in real estate, I mean, most time you have wins but there are losses. You don't have to put your other properties in jeopardy. Do those things on corporate credit. It's no different than if you guys remember Donald Trump, right? He opened up that huge casino, used $3 billion of the bank's money and then after two years it failed. I don't think Donald Trump wants anything to fail. He doesn't invest in things that are going to fail Just didn't work out because of economy, location and where the world was at the time. Well, he was able to walk away from that. Did it affect his personal credit? Nope. Did he have to give up any of his personal assets in that deal? I doubt it. No. Two weeks later, he bought a golf resort in Doral, florida, right, sure? So, without affecting anything with that. So that's the power of corporations. No different than I'll tell you another story. Remember Home Depot and Lowe's and LA Fitness? Right, those are all Wall Street corporations, right? Stock L's stock owned, and all of that During the pandemic. They were able to be open. You can only have 50 people in the store right, they were able to do that. But what about the local hardware guy in town? They had to be shut down. The local mom and pop fitness place? They had to be shut down. So there's a difference and that's why we talk about this. Jay Galt, we're here to give the power and advantage back to the main street business owners by building fundability so their corporation has the cash flow, the access because this is all about getting ready access, cash and capital for you to take on those storms, to survive those storms and to grow and scale. Walmart, sam Walton, would not have been the world's largest retailer if he didn't figure out corporate credit. He would still be in Benton, arkansas if that was the case. So now, obviously, then he went stock, went public as an IPO, so that made it a moral difference for him to get there. But he would have never got to that position if he wasn't able to scale that. Take advantage of the back in the 80s. Remember when he took down Kmart? Right, but it was through cash capital, corporate funding that allowed him to do the advertising and get belly up and take on the big giant. Now he's the big giant. So just consider that that just because you're labeled a small business owner doesn't mean you have to be small. What if you wanted to franchise? What if you wanted to grow and scale? What if you wanted to buy your own property and land and build your own manufacturing facility, get bigger into the corporate real estate market, be a truck driver and become a regional or national player? If those are things that you want to do and you just have an access, you're having problems accessing cash flow. The secret is building company credit on the tax number, that EIN number and getting out of the personal guarantee in the personal inquiry game. David: No, it makes sense so well. Thank you for those several stories. That illustrates it. So how does Jay Galt come into the picture? What's your role in helping these companies other than education? I'm sure there's more to it than that. How does your service work? Jerry: We're a SaaS company, which stands for Software as a Service. We have a robust platform that has seven-step blueprint inside of it that walks you step by step. But, more importantly, we have a white glove concierge service, kind of a do-it-for-you. But there's certain things you have to do. We can't use your bank lines of credit, your credit cards, and you don't want me to do that in your business, but we help you fix blemishes where to go to fix them. So we provide a coaching service that goes behind the SaaS platform so you're successful in your journey. So imagine getting a dedicated coach. They're not out of the Philippines or India. That's great for customer service. I think All of our credit analysts and our finance analysts. We have a whole back office advising team that helps our members. So we are a membership. There's a one-time fee that you would pay and when you come into that you get lifetime support from Galt through our SaaS product, the Getting Business Credit. So you have access to all of the corporate lenders and vendors that actually report. And our secret sauce is we won't work with your Put-Em-In Our Business Finance Suite unless they report to the credit bureaus. That'll help you for a robot, mobile and credit and if they don't show us the underwriting guidelines, because it's important to know what boxes must be checked before you apply for a loan, because in the corporate vending and lending world, if you get denied, you have to wait six to 12 months before you can reapply and that can really slow down momentum when you try to grow a business. So you don't have. That's not how consumer credit works, but that's how corporate credit works. So we have that. We also help with cash flow management. We really define ourselves as cash flow management experts getting you access and leveraging banks money at better rates and terms, understanding cash flow so you don't get into what expense or debt trouble, and then giving you a business valuation. David, this is the power. 98% of small business owners have never had a business valuation or appraisal done. So they're in the head and heart. They know what their company's worth, but you'll know exactly what it's worth, how to ensure it properly and where to invest your time. You'll get clear, sound facts about your company so you can invest your dollars and your time in the right parts to continue to grow the asset that you're building and properly protecting it, allowing you to do what Plan for an exit strategy and those are typically $10,000 on average. We provide that every year to our members with JGault. So we're really here with our three columns of getting corporate financing, access to lenders and vendors that report, understanding your cash flow management as you grow in scale, and then having your business valuation so you know the value, where to invest in it and to plan and know exactly if you want to sell it, when is the time to restructure, when is the time to sell it or if you're passing it down to one of your kids to run. Eventually you want to make it a generational company. Now you'll have corporate credit belt where they can walk into the seat, you can ride off into your retirement years and know that the corporate funding is going to be there for generations to come. So the legacy you can leave behind by building that company we passed on to generations, your kids, the grandkids and so forth and so on. David: No, it sounds great. So what should people do? Is their next step? If they're interested in learning more, Go to the website. What's kind of your first entry point for potential new customers? Jerry: I would highly recommend that you do that. David, I'm fine with you sharing my for your audience. It depends on how big that audience is my personal but I would go to jgaltio. That's J-G-A-L-T. No period, Just jgaltio and then you can check out our services and what we do and if there's more questions, there's a place where you can connect and have a private consultation if this is something you want to talk more about. David: Okay, that sounds great and that's jgaltio. Jerry: Yes. David: Okay, what is we're wrapping up here? Is there anything? I didn't ask you that you wish I had asked you? Jerry: Wow, that's a great question. You did a great job. I mean, obviously I can understand why you have a successful podcast out there, david. Well, you're too nice. Oh, no worries, I mean, you've been doing this a long time. The only thing that I would share with American entrepreneurs out there today is we're really passionate, and just me as an owner, my goal is not to sell something. I have four companies. The only reason why Cole and my partner and I started jgalt was to serve and educate. But there's more than education. It's all about impact. So if there's something where you're wanting to grow an asset and you want to get there, we're here to have an intelligent conversation, a consultation, if you will, about where you're at, where you're wanting to go, and about 80% you didn't ask this. So does everybody want jgalt? Of course we're going to think everybody needs jgalt right, it's our company. Same thing with yours, david. I'm sure you feel the same way. If you're exporting products, you will find a better guy right Outside the country. So we're really great at what we do. But only about 80% of the companies we talk to every week take advantage of jgalt services, because it's not for everyone. So there are depends on where you're at and what you're trying to accomplish. That's why we're kind of looking at ourselves as the doctors of business credit. It doesn't make sense for everyone. It may not make sense today, or it may not make sense at all If you're just have a side hustle or something in your house that you're just doing is just to make some additional income to pay off debt or something like that. We're truly looking at companies that are looking to grow and scale and really be disruptors, like us, in the product or the services that they're offering across the United States. David: Well, thank you for adding to that. So, as we wrap up, that's Jerry Vaughn with jgaltio Jerry, this has really been fun and I think there's a lot of great value that your company provides for small to medium size privately held companies. So I really appreciate you taking time to come on the show and share some information. Jerry: Yeah, you're very welcome. It was a pleasure to be on it, david, so thank you so much again for having me on my pleasure.

Headline News Metro TV Edisi 1918 kali ini membahas National Directory sebagai pemilik izin Miss Universe Indonesia Poppy Capella membantah terlibat dalam dugaan kasus pelecehan seksual yang dilaporkan oleh sejumlah finalis Miss Universe Indonesia 2023.

Listen to Health Affairs' Leslie Erdelack and Jessica Bylander discuss the latest efforts to fix problems with directories of health care providers and the potential for a national provider directory.Join Us for the Considering Health Spending event on February 3.Related Links: Request for Information; National Directory of Healthcare Providers & Services CMS Proposed Rule on Medicare Parts C and D for 2024 Provider Directories Are A Mess. CMS' Plan to Fix Them Has Few Fans (Modern Healthcare) Phantom Networks: Discrepancies Between Reported And Realized Mental Health Care Access In Oregon Medicaid (Health Affairs) Incorrect Provider Directories Associated With Out-Of-Network Mental Health Care And Outpatient Surprise Bills (Health Affairs) Currently, more than 70 percent of our content is freely available — and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcasts free for everyone.

Pooja Babbrah, Pharmacy & PBM lead with Point-of-Care Partners (POCP), NCPDP Board of Trustees Chair, and host of The Dish on Health IT kicked off the episode. This last episode of 2022 featuring POCP Regulatory Resource lead, Kim Boyd and Payer & Provider Practice Lead and Da Vinci Program Manager, Jocelyn Keegancame together to break down all the big things that have happened in 2022 and what we expect for 2023. Pooja explained that while this episode's discussion will primarily be policy related, the panelists will also talk about some of the real progress being made in the standards world and the interconnectedness between federal and state health IT policy and legislation and between standards and policy, and what it means to the industry. Pooja asked Jocelyn and Kim to briefly introduce themselves and to tell the audience what topics they are most excited about discussing. Jocelyn introduced herself as the POCP payer practice lead, devoted to positive change and building/getting stuff done. She went on to say that her focus at POCP is on interoperability, prior authorizations, and the convergence of tech, standards, and product strategy. She explained that she has spent her career moving people and organizations towards APIs, unleashing data for their highest, best-purpose uses. She expressed that she couldn't be more excited about where we've been this year and the precipice of where we are headed next year.Kim expressed that it's always a pleasure convening with Pooja and Jocelyn to discuss the exciting world of health IT.  She went on to share her background which has spanned medical and pharmacy operations and implementations, with years of policy, industry, and standards development work on ePA, cost transparency, ePrescribing, and taking what she learned in these areas to work with policymakers on smart policies to advance interoperability and patient care.  Kim stated that it has been an exciting year leading POCP's Regulatory Resource Center and that so much is happening in the state and federal regulatory spaces that ties to the innovations and acceleration the industry has been experiencing in health care.   Pooja thanked them both for their introductions and then dug into the discussion by asking each of them to share the biggest Health IT highlights of 2022. Kim explained that four things really stand out in 2022:the requirements of the transparency in coverage and no surprises act going into effect and the various provisions requiring data and cost transparency and giving patients and their care teams access to information that will help them make informed decisions.  Many in the industry have been clamoring for transparency of this type for some time.The incredible work happening to advance interoperability via the SDOs and Accelerators, like HL7 Da Vinci, CodeX, FAST, and NCPDP's Pharmacy Technology and Innovations group. how Federal agencies are collaborating on aligning requirements for interoperability, like the use of standards and FHIR-based standards specifically. This collaboration and proceeding regulatory action will help align the technical and interoperability stars.  the all-hands-on-deck focus on patient health equity is a big area of concentration for not only innovators in the market but the White House, HHS, standards organizations like NCPDP and HL7, and community and public health organizations.  There is just so much happening to try and close gaps in equitable care and the data/digital transformation that needs to happen to help facilitate change.     Jocelyn followed Kim to share her perspective on the biggest highlights of 2022 first joking that Kim got to go first and steal some of the things she was going to say.She laughingly shared that she agrees with all of Kim's points and then said that she wanted to focus more on the tone and the tenor of the work happening in the industry. Jocelyn shared that from her perspective it feels as though the industry has moved from thinking about interoperability projects as something that will happen "someday" to action and reality.  She clarified that this may not be the case for everyone, but many organizations and projects are moving forward to not only do the IT work but the business transformation. The examples she gave included the real progress made on TEFCA, real-world deployments of FHIR guides, live usage of APIs, prior authorization (PA) on pharmacy getting an infusion with last year's Medicare Part DJocelyn added that she wanted to focus on and add to Kim's comment about coordination at the federal level. She explained that policymakers at the federal level have been working for well over a decade and using their levers to make change extraordinarily well.  Jocelyn went on to say that as she sees it there are three camps of folks; people and organizations who are working ahead of policy by paying attention to published roadmaps and reading between the lines of public statements, folks trying to get their organizations prepared to respond to the next wave of policy, and others playing the waiting game to see if it's real and if they'll have to follow or if another path will emerge. Finally, she added, that the last highlight from 2022 is all the waiting! The industry keeps waiting for certain regulations to drop. She explained that she doesn't think she remembers another year where there has been this much policy anticipation at year-end. Pooja thanked Jocelyn and Kim for sharing their perspectives. She shared two important topics that have been more under the radar but are growing in importance and focus. The first is consent, specifically eConsent. Stewards of change published the report “Modernizing Consent to Advance Health and Equity” to bring more attention to the need to solve this issue – not only in the context of healthcare but also social services as those are such an important tie-in to health outcomes.  Add to that, the ONC half-day discovery workshop on eConsent.  Pooja explained to those who may not have attended – that it was an amazing session that brought together so many different people across the continuum of care in addition to the people working in the social services arena.The other area is pharmacy and the growing role of pharmacists in the care team and the work that is being done to ensure that they have access to more data and information to support care teams and support patients.  Pooja explained that there has been a lot of movement by retail chains to add primary care services to their offering and community pharmacies are supporting more clinical services.  This has led to more focus and a flurry of discussion around interoperability in the pharmacy space. Pooja gave the example of the Health Information Technology Advisory Committee (HITAC) recently proposing adding a pharmacy-focused subcommittee which is a huge indicator. Pooja shifted the discussion to policy highlights, specifically, requirements that went into effect and whether the industry met the deadlines or is still working on it. She explained that she is thinking specifically of: No Surprises ActTransparency in Coverage RuleInformation BlockingKim jumped in by saying that with the No Surprises Act there is still some pushback and uncertainty about how providers are going to comply with having to pull together all the data to provide Advanced EOBs (AEOBs) and good faith estimates (GFEs) when there are multiple providers involved in delivering the expected care; however, the Da Vinci Project is working on advancing implementation guidance to support patient cost transparency. Kim encouraged folks and organizations listening to this episode to get involved in these efforts. Kim added that she expects to see more price transparency-related policies, especially given the latest request for information on AEOBs. Kim went on to say that compliance with the ONC 21st Century Cures Final Rule on information blocking has been a mixed bag. She added that she wished ONC had called this "information sharing" instead of information blocking. Kim went on to say that most of the non-compliance has been on the provider side because it is challenging when a provider falls under the rule as an actor but maybe the health system they work in does not, especially when the health system may hold the data being requested. She added that most of the EHRs have spoken with are up-to-speed on the full EHI sharing requirement. Jocelyn added her perspective on information sharing specifically around EHI. Technically all of this information needs to be put out there, while the industry waits for USCDI to fully encapsulate patient information, there is probably a lot of non-codified data in the system that isn't actionable or really useable. The EHR certification requirements will likely do more to move the industry forward.  Jocelyn confessed that she fell down the RFI response rabbit hole and spent an hour looking at the feedback to the RFIs.  She thinks there is a disconnect between the goal of the rule and how to operationally do the work. An example she provided was around PA and that it isn't automating the submission of the PA alone but how to automate the 10 steps that need to happen before a PA is submitted. Pooja shifted the conversation to ask Kim to talk a little about the state activity around price transparency and why it's so important for stakeholders to pay attention not only to federal policy but what's happening in the states.Kim agreed that so many organizations forget that state policy is a big part of the equation too.  She shared that on the data and cost transparency side, states doubling down to move the needle on data fluidity. The POCP Regulatory Resource center has its finger on this pulse.  From the required patient-specific cost, benefit, coverage, and eligibility data sharing to confirmation of compliance enforcement of the No Surprises Act and Hospital Transparency, just to name a few.Pooja concurred and added that many people forget the states can add enforcement teeth above and beyond federal enforcement. She then remarked that this has been a year of anticipation and asked Kim to share where the burden reduction and prior authorization rule that was shelved back in 2020 is currently. Kim responded by explaining that there has been so much anticipation and even angst for some when the original rule came out in 2020 but then was pulled back.So many in the industry have been endeavoring to fulfill the promise the Da Vinci CRD, DTR, PAS IGs provide on solving for medical PA. Probably the most promising sign from CMS is the rule sitting at OMB since mid-October, waiting for review and then ultimately release. Given OMB has a max of 90 days to take action on the review, health plans, vendors, providers, and their partners should be closely monitoring for OMBs response and action.   Jocelyn joined in to say that the rule that came out in 2020 was definitely more than just burden reduction and it would have codified the use of patient-access APIs. She added that the 2020 rule didn't just require FHIR but named a particular implementation guide or "recipe" for the industry to use. Jocelyn anticipates that the version of the rule that has reemerged and is sitting with OMB likely includes Medicare Advantage plans which weren't included in the 2020 version. She's really interested to see what the NPRM will include. Jocelyn added that there is legislation pending that includes prior authorization and many are hoping the proposed rule drops before the legislation passes. Pooja thanked Jocelyn for bringing up the pending legislation and then moved on to ask about the recent CMS requests for information out there. She asked about what kinds of questions is the government asking and what do these questions tell us about where their heads are at? Jocelyn started by saying that the industry is seeing an unprecedented amount of coordination and policy-making activity. It has been a challenge to marshall the resources to respond to these RFIs and participate in the conversations and discussions these RFIs generate. Clearly, the industry is leading and the RFIs are an indication that CMS and ONC want industry input into their policymaking. Jocelyn went on to say that after reviewing the comments to these RFIs, the common themes were that the industry needs time and an incremental approach is needed but no one is saying what is being explored can't be accomplished. Kim added that she was struck by how aligned the agencies releasing these RFIs seemed to be on solving for interoperability, digitization, using/reusing or referencing FHIR resources for use and across different areas of health care, from the public health infrastructure, TEFCA, Certification of HIT, PAs and more, even the RFI from CMS related to the National Directory wants to hear from health care on the applicability of the use of FHIR standards. In transition, Pooja remarked that POCP and everyone on the podcast work in the standards development space through the support of some of the Accelerators like FAST, CodeX, CARIN Alliance, and of course, Da Vinci. She asked for the discussion to now cover the biggest accomplishments so far and what's expected in 2023. Kim responded by saying that while not officially announced, the CodeX PA in Oncology Use case – focused on solving for automating PA for cancer patients using the Da Vinci IGs is progressing to the Execution Phase. Members represented in this use case are payers, EHRs, physician groups, and health systems and they have collaboratively moved the needle on this use case and will execute the proof of concept for prostate cancer in 2023. Kim added that she is proud that NCPDP for their October Pilot launch announcement of the National Facilitator Model to strengthen pandemic and epidemic preparedness using industry standards and technology to enable pharmacies, prescribers, and government agencies to access real-time information on prescription, testing, immunization, and related data – across state lines - to support patient health interventions during public health crises. The model can also be used to effectively support public health surveillance.Jocelyn chimed in to express her awe at the pace of work on IGs and new use cases. She added that another big milestone is that FHIR at Scale Taskforce (FAST) transitioned out of ONC into the HL7 Accelerator program. FAST progressed work on Security, Identity, and Exchange and they are pulling the TEFCA team in to align their work. She added that Da Vinci has made a lot of progress on Risk Adjustment, allowing payers and providers to share information to inform a change in a patient's risk status. Jocelyn went on to say that there are also some exciting real-world implementations happening with a specific shout out to the team comprised of MultiCare, Providence, Regence, leadership from Optum, and Da Vinci champions launching the first in the nation FHIR-based pre-authorization embedded into the clinical workflow. Pooja seconded the kudos for the NPCPD vaccine pilot and she also mentioned the CodeX REMS use case which is marching toward a pilot and is once again bringing NCPDP and HL7 together. Pooja went on to recognize Helios as an Accelerator that is starting to gain traction and the industry should pay attention to their work. Pooja commented that while price and cost transparency for the patient will always be a passion of mine, the growing role of pharmacists in the care team is another area she is really excited about. Additional services are being performed by pharmacists, the prescribing authority is being extended to pharmacists, and the need for standards and technology to enable clinical data to flow from pharmacists to care team members in other environments like doctors' offices and hospitals. Pooja continued by saying that the pandemic and really the Federal PREP act accelerated this movement.  Now pharmacists can administer pretty much any vaccine on CDC's list, and there are around 25 states that allow pharmacists to prescribe HIV medications. Pooja explained that this expanding role and some of the regulatory requirements make pharmacy interoperability and connection with the rest of the care team critical. For example, for pharmacists to prescribe Paxlovid, they must order or access labs for the patients.  Unless pharmacists are in a health system they will likely not have access to a patient's lab report.  If the industry wants pharmacists to continue to support providers and patients with more clinical services – there has to be a focus on interoperability. Kim agreed that it is an exciting time for the pharmacy community.  The need for clinical and administrative data access, use, storage, and exchange to improve and coordinate patient care knows no boundaries – the whole of the care team, including the pharmacist, must be able to operate in an environment where this takes place.  Kim added that the NCPDP Strategic Planning Committee Value-Based Care Subcommittee acknowledged that the industry is well positioned to support pharmacists as a part of a value-based arrangement and we have the standards to support all types of clinical care and exchange so pharmacists can provide services like dispensing, screening for Social Determinants of Health or taking and reporting labs or blood pressure, etc.   2023 will be filled with opportunities within the NCPDP standards development process, the industry, and policy, to further the role of the pharmacist, closing gaps in care and the innovations needed for the future of pharmacists as part of the care team.Pooja asked to do a round-robin weigh-in on TEFCA, HIPAA 2.0, and Health Equity. What's new, what's real, and what should our listeners be on the lookout for in 2023? Jocelyn responded by saying that each of these topics has so many sub-topics and what will be interesting is to see how these all intersect with one another. She added that there is a movement to the platform where companies are partnering to solve some of the challenges related to these areas and make data fluid but secure. Kim responded by saying that there is still confusion and conflict between HIPAA and the ONC Information blocking rules.  Technology has evolved and new interpretations and requirements are needed that provide patient data security without limiting data sharing.  The industry will see some movement from OCR in 2023.TEFCA is real and moving forward in establishing the infrastructure model and rules that will govern how different networks and their stakeholders (including providers, payers, and public health) securely share clinically relevant information with each other. Nine organizations have provided letters of intent to the Sequoia Project, the recognized coordinating entity on behalf of ONC, to apply to become QHINs including EHR vendors such as Epic and Nextgen, national networks such as the eHealth Exchange and the CommonWell Health Alliance, and tech vendors such as Health Gorilla. More organizations are expected to apply. It will be interesting to see how successful TEFCA will be in incorporating FHIR into the framework over the next few years There is a united effort that includes government entities, health systems, pharmaceutical companies, private payer groups, and community organizations working together to overcome disparities and improve equity. This requires improved access to shared clinical and social needs data. Just last week CMS released its “Path Forward to improving data to advance health equity solutions” which aims to increase the collection of standardized sociodemographic and social determinants of health (SDOH) data across the healthcare industry as an important first step towards improving population In closing, Pooja asked everyone to share what they are most hopeful to see in 2023. She kicked it off by saying that for her it's the continued focus on pharmacists. Kim responded by saying many great things are happening in health care and that she is excited as a patient. There is more focus on helping patients grow as consumers of their own health care, providing data and insights into what options are available to obtain quality, timely and cost-effective care. She also expressed excitement about working with industry and policymakers to advance medical ePA in 2023 via the HL7 Da Vinci standards and leading the CodeX work on a pilot to advance PA for cancer patients. She concluded by echoing what Pooja said about her excitement about leading and partnering with others at NCPDP to promote and advance the role of the pharmacist as a part of the care team. Jocelyn joined in to say that she is hopeful for the momentum that has built up and she is super excited to see stakeholders build their toolboxes and embark on real-world implementations. Pooja closed out the episode by thanking her POCP cohosts, Jocelyn and Kim, and wishing our audience the happiest of holidays and the best for 2023. She reminded listeners that they can find The Dish on Health IT on Apple Podcast, Spotify, or whatever platform they use to pick up their podcasts, including HealthcareNOW Radio and the Podcast Channel. And that videos of the podcast episodes can be found o on the POCP YouTube channel. Adding, Health IT is a dish best served Hot! 

The vast majority of self-represented litigants cannot afford full representation in legal services – and yet most of them are continuing to search for assistance that is affordable to them. In this episode, Julie speaks with Marcus Sixta, of CrossRoads Law, about his pioneering legal coaching practice, Coach My Case. Marcus is a leading innovator in the development of legal services that are tailored to client needs and pocket books, such as offering different tiers of assistance and working collaboratively to assess and meet needs. He believes in utilizing the skills of paralegals and lawyers, as well as a range of services, from procedural navigation, to issue identification, to hearings coaching. Leona Harvie, who provides the reflection in this episode, is a former self-represented litigant who now works as a divorce coach, providing support and legal information to family law clients. She can be found at letstalkdivorcecanada.com and on Instagram where her handle is letstalkdivorcecanada. NSRLP has been developing a National Directory of Professionals Assisting Self-Represented Litigants since 2016; it contains the names and details of professionals across the country who offer legal coaching. In Other News: This week our In Other News Correspondent is Research Assistant Charlotte Sullivan. This week Charlotte discusses: the Attorney General of British Columbia announcing new rules of procedure for the British Columbia Court of Appeal; a piece on parental relocation cases in family law; and the controversial Bill 96, recently passed by the National Assembly of Québec. For related links and more on this episode visit our website: https://representingyourselfcanada.com/you-drive-the-bus-with-a-coach-in-your-corner/ Jumping Off the Ivory Tower is produced and hosted by Julie Macfarlane and Dayna Cornwall; production and editing by Brauntë Petric; Other News produced and hosted by Charlotte Sullivan; promotion by Moya McAlister and the NSRLP team.

If your first thought was, "I don't have a lot of money so I wont worry about this right now." This is especially important for you! Let's be real, Social Workers are great at emotions, but not exactly known for being great at numbers and finances - for better or worse. We are not taught about finances in school and we don't know what we don't know. No judgement here! I'm with you. In this episode we ask a financial advisor, what are the top 3 things we need to know about money (even if i don't have much of it)? We cover: - If I don't have a lot of money, then why would I need a financial advisor? - How do I prioritize expenses between retirement, student loans, credit card payments, and saving for life events? - Can I get financial advice with no upfront costs? Yes, do these 3 things to be prepared: Get financially organized - get those documents out of your “junk drawer” and get your financial statements into one place. Income sources, salaries, insurance information, bank account information, loans, interest rates, health insurance, home/rental insurance, etc. Know where your money is going and be as honest as possible with yourself. Go back 3 months and categorize your expenses into separate categories. Next you want to look for and identify patterns & specific spending habits that are working and not working for you. Save for Retirement, NOW. Start small then gradually increase over time to get the most benefit from compounding interest. Alex Casella, Personal Finance Professional, has worked in the financial services industry since 2009 and over those years has recognized financial literacy needs of social workers and mental health professionals. Alex has developed a comprehensive understanding of financial services through his training and time working alongside successful advisors in the financial planning industry. Download the Empower Financial Guide: https://www.alexcasella.com/empower-guide It's Catherine here; let's get connected and if it feels right, check out these other amazing resources that will help you in your social work career… Follow & say “Hi” on Instagram @SocialWorkersRise  Connect on LinkedIn RISE Directory; A National Directory of Clinical Supervisors is currently looking to add Clinical Supervisors in your state! Clinical Essentials for the Future Therapist virtual Course Find us ranked in the TOP 10 among the Best Social Work podcasts in the world! 

In this episode we are taking you behind the scenes as a medical social worker. I'm Answering all of your top questions including: What types of medical social work are there? What training or degrees do I need? What is the hardest part? How is the pay? What is a typical day like as a medical social worker? What do I do if i'm feeling overwhelmed or burnt out? More Medical Social Work Skills: https://www.onetonline.org/link/details/21-1022.00 It's Catherine here; let's get connected and definitely check out these other amazing resources that will help you in your social work career Follow & say “Hi” on Instagram: https://www.instagram.com/socialworkersrise/ Connect on LinkedIn: https://www.linkedin.com/in/catherinelcsw/ RISE Directory; A National Directory of Clinical Supervisors is currently looking to add Clinical Supervisors in your state! Clinical Essentials for the Future Therapist virtual Course https://www.socialworkersrise.com/essentials POLST Basics for Medical Social Workers: https://www.socialworkersrise.com/POLST Find us ranked in the TOP 10 among the best Social Work podcasts in the world! https://blog.feedspot.com/social_work_podcasts/

In this episode, Dr. Stephanie brings on her guest - Conservative therapist Amy Reamer from Richmond, VA to discuss the launch of the National Directory for Conservative Therapists and Mental Health Professionals at www.conservativetherapists.com Emotional safety is discussed as it pertains to neuroscience.  Conservative Americans who have been emotionally and verbally abused due to politics are now feeling unsafe to reach out to possibly liberal therapists for help.   Amy explores Polyvagal Theory and how it applies to helping clients find a Conservative Therapist if this is important to a client. Amy also discussed her work with children and her authoring the book, Toby the Tiger Tamer, which helps children to feel less ashamed of their emotions reactions while learning how to regulate them more effectively.   

Dr. Stephanie takes calls from Americans who call into her show with comments or questions.  She also interviews Jennifer Vorhees, a politically Conservative therapist who is not Underground about why so many Republican therapists are Underground. Psychologists with Conservative viewpoints are not able to safely make political viewpoints with our colleagues without it putting their career at risk.  The APA and ACA have put out statements encouraging therapists to be political in their work if they are a Socialist Democrat in support of BLM.  However, many mental health workers who are Conservative have been silenced.  This is a double standard, and Dr. Stephanie encourages therapists to consider coming above ground when possible and to join the National Directory for Conservative Therapists.  

This week I am over the moon to share with you this conversation with my friend and colleague Dr. Katie Pickworth. A resident physician at the National University of Natural Medicine, Dr. Pickworth has experience in research, supporting folks with all manner of mental health concerns and addictions. Our conversation covers all this and more, including: - Lady Gaga - Fibromyalgia - Locus of control - Coping is coping ('good' and 'bad' coping mechanisms are a misnomer) - And more! You can find Dr Pickworth on Instagram, @dr.katiepickworth She is transitioning her practice to Northwest Integrative Medicine (https://nwim.org) Books Referenced: The Body Keeps the Score, by Dr. van der Kolk Recovery Resources: - Helpline -- https://www.samhsa.gov/find-help/national-helpline - National Directory -- https://www.samhsa.gov/data/report/national-directory-drug-and-alcohol-abuse-treatment-facilities-2019 I can be reached by email at katherine@hofmannaturopathic.com, or on IG @drkatherinehofmann

For almost 20 years, Fil Bucchino has been a passionate communicator and an avid promoter of extra virgin olive oil. One of the few tasters residing outside of Italy enlisted in the National Directory of Virgin and Extra Virgin Olive Oil Experts. He is also enrolled in the international Register of ONAOO Professional Tasters. Fil hosts and co-produced the award-winning documentary “Obsessed with Olive Oil”. In 2016, he founded Abandoned Grove as a means to restore the connection to the olives groves. Fil collaborates with Toronto's top culinary personalities and institutions, he is a steady fixture as a judge in international olive oil competitions and contributor to the Brazilian Olive Oil Guide. Also, Fil holds a BSc in BioMedical Sciences and recorded and toured as a professional musician for almost a decade. Through his work Fil seeks to protect the Grove; family, friends, culture, community and wellness.  You can follow Fil on the following social links: Instagram @filbucchino @abandonedgrove @obsessedwitholiveoil

Today we talk about ghosts, a conspiracy involving a popular travel website covering up crimes, and discuss the mysterious "CCA-XX1."   The Stoner House in Dark Harbor, Maine is supposedly the home to a ghost that can never leave it's resting spot. Unfortunately, that resting spot is underneath your carpet . . . Then we look at the recent expose that showed the travel booking site TripAdvisor was deleted complaints of rape at some of the resorts that did business with them. Innocent mistake or a cover-up to keep the cash coming from shady hotels? And finally, we take a look at CCA-XX1. What is it? We delve into that mystery today on Dead Rabbit Radio.   Links:   The Bump in the Carpet https://fairweatherlewis.wordpress.com/2010/04/25/the-bump-in-the-carpet/   National Directory of Haunted Places https://amzn.to/2R8wd7e   TripAdvisor removed warnings about rapes and injuries at Mexico resorts, tourists say https://www.jsonline.com/story/news/investigations/2017/11/01/tripadvisor-removed-warnings-rapes-and-injuries-mexico-resorts-tourists-say/817172001/   TripAdvisor Facing New Scrutiny Over Rapes, Deaths Deleted From Reviews https://www.forbes.com/sites/janetwburns/2017/11/22/tripadvisor-facing-new-scrutiny-over-rapes-deaths-deleted-from-reviews/#65b5e0fe5f44   CCA XX1: https://archive.4plebs.org/x/thread/20228497/ https://imgur.com/a/S2iPJz3   USGS 363256076272102 CA-XX1 https://waterdata.usgs.gov/nwis/inventory/?site_no=363256076272102&agency_cd=USGS&;   Zuma, The Phantom Satellite https://skeptoid.com/episodes/4624   2D-3D face recognition method based on a modified CCA-PCA algorithm https://www.researchgate.net/publication/272921978_2D-3D_face_recognition_method_based_on_a_modified_CCA-PCA_algorithm   Canonical Correlation Anaylsis https://pdfs.semanticscholar.org/1083/c80e0544ba89145801ebe5c531c10f76a7eb.pdf   CoreCivic https://en.wikipedia.org/wiki/CoreCivic   Force XX1 Operations TRADOC Pamphlet 525-5 http://webapp1.dlib.indiana.edu/virtual_disk_library/index.cgi/4240529/FID3171/ACDOCS/PAPERS/B004.PDF   Combat command https://en.wikipedia.org/wiki/Combat_command   Brigade combat team https://en.wikipedia.org/wiki/Brigade_combat_team   Force XXI: Redesigning the Army Through Warfighting Experiments https://fas.org/irp/agency/army/mipb/1996-2/menoher1.htm   United States Army Futures Command https://en.wikipedia.org/wiki/United_States_Army_Futures_Command   Force XXI https://www.globalsecurity.org/military/agency/army/force-xxi.htm   Listen to the daily podcast anywhere you listen to podcasts!   ------------------------------------------------   Logo Art By Ash Black   http://www.DeadRabbit.com Email: DeadRabbitRadio@gmail.com Twitter: @JasonOCarpenter Facebook: www.Facebook.com/DeadRabbitRadio   Paranormal, Conspiracy, and True Crime news as it happens! Jason Carpenter breaks the stories they'll be talking about tomorrow, assuming the world doesn't end today.

Looking for something specific?0:33 We Have Our FIRST GUEST: Reid Leazier1:35 A little bit about Reid "Lightning" Leazier6:28 Pro-Eucharist Biblical Reference to The Eucharist as the Source & Summit of Our Faith8:33 Reference to National Directory of Catechesis9:25 "Youth Mass" - should you have one?12:00 Connection with Our Lord Must Begin in The Eucharistic Celebration13:14 Sacrosanctum Consilium & Lumen Gentium references 16:45 Body & Blood of Christ is not a symbol18:44 Celebrate Eucharist in Community23:06 Liturgy of the Hours & Liturgy of the Word25:10 How to Connect Students to the Eucharist26:48 Get the Parents involved28:16 How to Fully Participate in and Focus on the Liturgy34:36 Eucharist Brings about Grace37:01 When/Why to Abstain from Receiving the Eucharist40:12 Explaining Adoration to Teens45:20 Building the Interior with Quiet Time

We have the first wave of the Trump laws! In this episode, highlights of the most impactful laws from the first three months of the 115th Congress, which include favors to the fossil fuel industry, gun industry, telecommunications industry, and defense contractors. In addition, learn about a law (that’s flown completely under the radar) that fundamentally changes how NASA operates. Please support Congressional Dish: Click here to contribute using credit card, debit card, PayPal, or Bitcoin Click here to support Congressional Dish for each episode via Patreon Mail Contributions to: 5753 Hwy 85 North #4576 Crestview, FL 32536 Thank you for supporting truly independent media! Recommended Congressional Dish Episodes CD124: The Costs of For-Profit War CD135: Education is Big Business Bills Outline S. 84: A bill to provide for an exception to a limitation against appointment of persons as Secretary of Defense within seven years of relief from active duty as a regular commissioned officer of the Armed Forces. Exempts General James Mattis from the law that prohibits anyone from serving as Defense Secretary within seven years of leaving military service (Mattis had retired less than four years before his appointment). H.R. 72: GAO Access and Oversight Act of 2017 Gives the Government Accountability Office (GAO) more power to get federal agency records for audits and investigations Requires agency heads to report their plans - not just their actions - that the agency will take when given recommendations by the GAO and requires the reports to be given to more Congressional committees Makes it easier for the GAO to sue federal agencies that don't comply Gives the GAO access to the National Directory of New Hires (NDNH) H.J.Res. 41: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of a rule submitted by the Securities and Exchange Commission relating to “Disclosure of Payments by Resource Extraction Issuers”. Repeals an Obama administration rule requiring companies listed in the stock market to publicly report payments by the fossil fuel and mineral industries to the US or foreign governments if the payments are over $100,000 in a year. H.J.Res. 38: Disapproving the rule submitted by the Department of the Interior known as the Stream Protection Rule. Repeals a Department of Interior regulation known as the "Stream Protection Rule" which aimed to reduce pollution from coal mining by blocking mining within 100 feet of streams and requiring coal mining companies to restore the land their use to it's pre-mining condition. H.J.Res. 40: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Social Security Administration relating to Implementation of the NICS Improvement Amendments Act of 2007. Repeals a Social Security Administration rule that never went into effect that would have prohibited approximately 75,000 people who receive disability checks for mental illness from buying guns. H.R. 321: Inspiring the Next Space Pioneers, Innovators, Researchers, and Explorers (INSPIRE) Women Act Orders the NASA administrator to create a plan to use current and former NASA employees to engage with K-12 female students to encourage them to pursue careers in aerospace. The plan must be submitted in 90 days. H.R. 255: Promoting Women in Entrepreneurship Act "Encourages" the National Science Foundation to recruit women to work in commercial science and engineering - S. 442: National Aeronautics and Space Administration Transition Authorization Act of 2017 Authorizes $19.5 billion for NASA operations for 2017 Declares that it will be US policy that we will support the International Space Station through at least 2024 Sense of Congress: "Commercially provided crew transportation systems" should be the primary means of transporting US astronauts to and from the International Space Station and reliance upon Russian transportation should be ended as soon as possible. Commercial providers of NASA services will have to provide "evidence-based support for their costs and schedules" only "in a manner that does not add costs or schedule delays" NASA will have to create a plan to "transition in a step-wise approach from the current regime that relies heavily on NASA sponsorship to a regime where NASA could be one of many customers of a low-Earth orbit non-governmental human space flight enterprise." The first report on progress will be due December 1, 2017 Contracts between NASA and private providers are allowed to give immunity to the private providers from lawsuits for "death, bodily injury, or loss of or damage to property resulting from launch services and reentry services carried out under the contract" for any amount over what their insurance covers. The maximum amount of insurance a provider will have to obtain is for $500 million The immunity may exclude claims resulting from willful misconduct by the private provider Establishes long term goals for NASA, which include "to enable a capability to extend human presence, including potential human habitation on another celestial body and a thriving space economy in the 21st Century." There will be a specific focus on enabling humans living on Mars Repeals provisions of law that required the government specifically to have the ability to restart the Space Shuttle program, if needed. Authorizes the NASA Administrator to conduct long-term medical monitoring and treatment of astronauts with no out-of-pocket costs for the astronauts for space flight related ailments only. H.J.Res. 44: Disapproving the rule submitted by the Department of the Interior relating to Bureau of Land Management regulations that establish the procedures used to prepare, revise, or amend land use plans pursuant to the Federal Land Policy and Management Act of 1976. Repeals a Bureau of Land Management Rule that would give the public a larger and earlier role in management plans for public land. The public would have been able to submit data & other information. The public also would have been given information as the plans were developed, allowing the public to comment during the planning process instead of after. H.J.Res. 37: Disapproving the rule submitted by the Department of Defense, the General Services Administration, and the National Aeronautics and Space Administration relating to the Federal Acquisition Regulation. Repeals a rule written by the Department of Defense, the General Services Administration, and NASA that would have made federal contractors prove their compliance with fourteen Federal labor laws, which would then be taken into consideration by agencies when awarding contracts. The contractors would also have to report their wages paid to employees to the agencies and would have limited forced arbitration of employee claims. H.J.Res. 57: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to accountability and State plans under the Elementary and Secondary Education Act of 1965. Repeals a Department of Education rule that would have pushed states to weigh student achievement via test scores of 95% of their students and graduation rates when determining which schools are "underperforming". The rule also would have required schools to provide parents and the public with more information on their annual report card. H.J.Res. 58: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Education relating to teacher preparation issues. Repeals a Department of Education rule that outlined indicators that states would have to use to judge teacher performance and tied results to some Federal aid funding. H.J.Res. 42: Disapproving the rule submitted by the Department of Labor relating to drug testing of unemployment compensation applicants. Repeals a Department of Labor rule that allowed but limited the drug testing of people receiving unemployment benefits. People could only be tested if they were dismissed for substance abuse related reasons and only if their jobs required carrying a firearm, aviation flight crews, air traffic controllers, commercial drivers, railroad crews, pipeline crews, and commercial maritime crews. S.J.Res. 34: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Federal Communications Commission relating to “Protecting the Privacy of Customers of Broadband and Other Telecommunications Services” Repeals a Federal Communications Commission rule that would have required Internet service providers to obtain our approval if they were going to share our information, and not condition service on an acceptance of data sharing, and to notify us if our data was compromised. Additional Reading Article: Congress Votes To Expand Drug Testing For Unemployment Recipients by Kelly Mcevers, NPR, March 27, 2017. Article: Why you should take a closer look at this week's NASA bill by Andrew Wagner and Nsikan Akpan, PBS, March 24, 2017. Article: Obama Education Rules Are Swept Aside by Congress by Dana Goldstein, The New York Times, March 9, 2017. Article: The Senate just voted to overturn another environmental rule - sending it to Trump's desk by Chelsea Harvey, The Washington Post, March 8, 2017. Article: Senate overturns Obama-era regulations on teacher preparation by Emma Brown, The Washington Post, March 8, 2017. Congressional Record: National Aeronautics and Space Administration Transition Authorization Act of 2017, House of Representatives, March 7, 2017. Article: Trump Signs Bill Revoking Obama-Era Gun Checks for People with Mental Illnesses by Ali Vitali, NBC News, February 28, 2017. Article: FCC Chairman Goes After His Predecessor's Internet Privacy Rules by Alina Selyukh, NPR, February 24, 2017. Article: Why Trump just killed a rule restricting coal companies from dumping waste in streams by Brad Plumer, Vox, February 16, 2017. Article: Trump signs Sasse's bill to let GAO access massive financial database by Joseph Morton, Omaha World Herald, February 3, 2017. Article: Goodbye, Stream Protection Rule by Paul Rauber, Sierra, February 1, 2017. Article: On the same day Rex Tillerson is confirmed, the House votes to kill a transparency rule for oil companies by Brad Plumer, Vox, February 1, 2017. Article: Republicans will try a little-used tactic to kill five Obama regulations this week by Brad Plumer, Vox, February 1, 2017. Press Release: Bill Johnson Leads House Effort to Protect Coal Jobs by Overturning Ill-Advised "Stream Protection Rule" by Representative Bill Johnson, January 30, 2017. Press Release: Chairman Huizenga, Senator Inhofe Move To Eliminate Resource Extraction Rule via CRA, Chairman Bill Huizenga, January 30, 2017. Op-Ed: The Congressional Review Act, rarely used and (almost always) unsuccessful by Stuart Shapiro, The Hill, April 17, 2015. References U.S. Dept of Labor: Unemployment Insurance Senator Al Franken: Arbitration Amendment OpenSecrets: Rep. Liz Cheney - Top Industries, 2015-2016 OpenSecrets: National Rifle Association - 2016 Contributions OpenSecrets: Rep. Bill Johnson - Top Industries OpenSecrets: Rep. Bill Johnson - Top Industries, 2015-2016 OpenSecrets: Rep. Bill Huizenga - 2014 Assets OpenSecrets: Rep. Bill Huizenga - Top Industries OpenSecrets: Senator Jeff Flake - Top Industries OpenSecrets: Rep. Marsha Blackburn - Career Profile OpenSecrets: Communications/Electronics - Money to Congress Sound Clip Sources Hearing: NASA: Past, Present, and Future, House of Representatives, Committee on Science, Space and Technology, February 16, 2017. Video: NASA Authorization Bill Signing, Oval Office, March 21, 2017. Cover Art Design by Only Child Imaginations

Father Andrew Heaslip discusses four key aspects of catechesis as described in the National Directory for Catechesis. The presentation of the Christian message centers on Jesus Christ, introduces the Trinitarian dimension of the Gospel, proclaims the Good News of salvation, and comes from and leads to the Church.

Father Heaslip shares with listeners the importance of five further points for imparting the Christian message, as described in the National Directory for Catechesis. Authentic catechesis has a historical character, seeks authentic inculturation, respects the hierarchy of truths, communicates the dignity of the human person, and fosters a common language of faith.

Rafe and Steve have an open, personal, and honest conversation with comedian Tina Dybal about the topic of addiction and all of the struggles that come with it.  In between, they also talk about Belorussian anchor babies, gross fermented foods, crazy behind-the-scenes tales working in hospital surgery, and the infamous "Suh-Dude" viral video.  A word from Rafe: This topic is near and dear to my heart as I have had my own personal struggles with the demons of addiction.  I commend Tina on her honesty and bravery in having a straightforward, visceral, and raw discussion about the power of addiction and the fight for recovery.  If you are struggling with addiction of any kind, I promise you that you are not alone.  Check out the links below and remember that every day is an opportunity to make a big change.   Stay in touch with Tina at: https://www.facebook.com/tina.dybal?fref=ts Links to help with addiction and recovery: Alcoholics Anonymous http://www.aa.org/pages/en_US/find-local-aa Narcotics Anonymous http://www.na.org/?ID=phoneline Here is a list of hotline and helplines that can get you into addiction treatment, or to a safe place to wait for help. Please note that not all hotlines are available 24 hours a day, 7 days a week. If you don't get in touch with a live person, keep calling and move down the list. 1-800-999-9999 National Directory of Hotlines and Crisis Intervention Centers 1-800-662-HELP Drug and Alcohol Rehab/Treatment Referral Service Alcoholics Anonymous 24 hour helplines by zip code Narcotics Anonymous hotlines and helplines  1-800-356-9996 Al-Anon & Alateen crisis line 1-800-COCAINE National Cocaine Hotline, 24-hour counseling and referral 1-800-9-HEROIN National Heroin Hotline 1-888-MARIJUA National Marijuana Hotline 1-800-273-TALK National Suicide Prevention Lifeline 1-800-WORKPLACE Drug-Free Workplace Help