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When you have checked every box, career, family, community, and still feel that quiet question of "what about me?", this episode is for you.   On this episode of Women and Wealth, Regina sits down with Michele Garrett, a women's life and transition coach who helps successful women 45+ get clear on what they want next and how to move forward without blowing up their whole life to do it.   Together, they talk about what retirement and "the next chapter" can really look like today, how to reconnect with your values when life finally slows down, and why small, consistent mindset shifts can change your direction more than any big, overwhelming plan. Michele also shares a peek at her four-pillar approach for helping women rebuild clarity, confidence, and purpose in a season of change.   Episode Highlights:   0:00 - Intro 0:41 - Meet Michele Garret 2:51 - Michele's "4 Pillar Program" 6:14 - Michele's impact as a coach 7:57 - the '1% change' 9:12 - Where you can go to learn more about Michele 11:01 - Some challenges Michele has faced as a professional woman 14:06 - Michele's vision for retirement 16:19 - Action item   ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.  Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals.   CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH MICHELE GARRETT Website: https://www.mgarrettcoaching.com/ LinkedIn: https://www.linkedin.com/in/mtregogarrett/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   For a list of states in which I am registered to do business, please visit www.forgewealth.com.

It's tax paperwork season, and capital gains can sneak up on you if you're not paying attention.  In this episode of Women and Wealth, Regina breaks down 10 key things to know about capital gains and capital gain distributions, including why you might get a distribution even if you didn't sell anything (or even if a fund is down). She also covers the difference between short-term vs. long-term gains, what changes in taxable accounts vs. retirement accounts, which 1099 forms to look for, and how fund turnover can impact what shows up on your statements.   Episode Highlights:   0:00 - Intro 0:34 - Episode beginning 1:05 - Tip #1 4:22 - Tip #2 5:06 - Tip #3 6:37 - Tip #4 7:56 - Tip #5 9:14 - Tip #6 10:08 - Tip #7 12:01 - Tip #8 13:13 - Tip #9 14:54 - Tip #10 16:04 - Long-term capital gains tax rates 19:23 - Call to action   ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   This material was prepared by Hartford funds. For a list of states in which I am registered to do business, please visit www.forgewealth.com. Hartford Funds is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management

You've probably heard about real estate before as a great way to grow or invest your money for the long-term.   But that doesn't mean that you can just start with no strategy, or plan, however.   In this episode of Women and Wealth, Regina talks with Lindsay Davis, CEO and co-founder of Spartan Invest, about building passive income through single-family real estate.   Lindsay explains what "turnkey" investing looks like, why the Southeast has been a strong target for investors, how she evaluates neighborhoods, and the real risks to understand before buying. They also get into retirement planning and why diversifying your income streams early matters, so you can work because you want to, not because you have to.   Episode Highlights:   0:00 - Episode open and intro to Lindsay 3:27 - Landlord/tenant laws, residential properties 6:38 - How Lindsay targets areas 10:42 - Explaining risk to newcomers 18:12 - Where you can learn more 19:35 - Challenges Lindsay has faced as a professional woman 22:45 - Lindsay's plans for retirement 25:03 - Action item ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH LINDSAY DAVIS   Website: https://spartaninvest.comLinkedIn: https://www.linkedin.com/in/spartanlindsaydavis/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

In this episode, the hosts discuss the latest U.S. News & World Report university rankings and question their relevance to archaeology and cultural resource management (CRM). They argue that Ivy League prestige and rankings have little to no impact on hiring or success in archaeology, emphasizing that program quality, practical skills, and experience matter far more than a school's name. The panel shares examples where Ivy League graduates were not stronger candidates and notes that perceived academic “elite” advantages are often statistical noise or social bias. Overall, the episode encourages students and parents to focus on strong, field-relevant programs rather than chasing rankings or prestige.TranscriptsFor rough transcripts of this episode go to https://www.archpodnet.com/crmarchpodcast/325LinksU.S. News & World Report: Best CollegesBlogs and Resources:Bill White: Succinct ResearchDoug Rocks-MacQueen: Doug's ArchaeologyChris Webster: DIGTECH LLCAndrew KinkellaKinkella Teaches Archaeology (Youtube)Blog: Kinkella Teaches ArchaeologyArchPodNetAPN Website: https://www.archpodnet.comAPN on Facebook: https://www.facebook.com/archpodnetAPN on Twitter: https://www.twitter.com/archpodnetAPN on Instagram: https://www.instagram.com/archpodnetAPN ShopAffiliatesMotion Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, the hosts discuss the latest U.S. News & World Report university rankings and question their relevance to archaeology and cultural resource management (CRM). They argue that Ivy League prestige and rankings have little to no impact on hiring or success in archaeology, emphasizing that program quality, practical skills, and experience matter far more than a school's name. The panel shares examples where Ivy League graduates were not stronger candidates and notes that perceived academic “elite” advantages are often statistical noise or social bias. Overall, the episode encourages students and parents to focus on strong, field-relevant programs rather than chasing rankings or prestige.TranscriptsFor rough transcripts of this episode go to https://www.archpodnet.com/crmarchpodcast/325LinksU.S. News & World Report: Best CollegesBlogs and Resources:Bill White: Succinct ResearchDoug Rocks-MacQueen: Doug's ArchaeologyChris Webster: DIGTECH LLCAndrew KinkellaKinkella Teaches Archaeology (Youtube)Blog: Kinkella Teaches ArchaeologyArchPodNetAPN Website: https://www.archpodnet.comAPN on Facebook: https://www.facebook.com/archpodnetAPN on Twitter: https://www.twitter.com/archpodnetAPN on Instagram: https://www.instagram.com/archpodnetAPN ShopAffiliatesMotion Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Paperwork. Nobody wants to deal with it. But cleaning up your 'financial clutter' doesn't need to be a task we dread. In this week's episode, Regina is becoming your cleaning buddy and guide for your personal paperwork clean-up. She'll take you through what to keep vs. what to toss as well as some tips and tools to stay more organized in the future. Episode Highlights: 0:00 - Intro 0:33 - Episode open, 'financial clutter' 1:21 - What's worth keeping vs tossing  3:33 - Easy stuff to throw away 4:38 - Cleaning safely (shred it) 5:06 - Medical bills 6:14 - Utility bills and the 'big docs'  8:04 - Taxes and home improvement receipts 13:00 - Buy a shredder 21:00 - Action item and final thoughts  ABOUT REGINA MCCANN HESS Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero. As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money. Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News. She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse. As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth. She focuses on educating her clients while building long-term relationships with them and their families. Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. This material was prepared by Hartford Funds. Hartford Funds is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management.

Lori Woolridge and Lauren Weinberg are the co-founders of Freedom to Flourish, where they help women rebuild from the inside out through self-love, mindset, and soul-aligned growth. Lori is a love & relationship coach focused on self-love and healthy relationships, and Lauren is a "Becoming Coach", a former psychologist and family therapist turned wellbeing and empowerment coach. Together they join Regina and discuss why "January is divorce month," and how to approach divorce with support instead of going it alone.    They examine how divorce is "85% emotional / 15% legal" and why emotional regulation can save time, money, and pain – and they even dive into their signature program "Your F.A.B. Divorce" and how that can help you, should you ever need it.   Episode Highlights:   0:00 - Intro 0:33 - Episode open 0:51 - Meet Lori and Lauren 3:44 - More about Lori and Lauren's program 8:22 - Dealing with fear and uncertainty 10:08 - More details about the program 18:26 - Shifting your mindset, where you can learn more 23:18 - Action item and wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH LORI WOOLRIDGE AND LAUREN WEINBERG   Website: https://www.freedom-toflourish.com/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

Sheila Brennan is a seasoned divorce coach with nearly 15 years of experience, known for helping clients navigate divorce with a clear, practical plan, as well as coordinating the legal, financial, emotional, and parenting pieces so they can move forward feeling empowered and in control. She joins Regina McCann Hess to discuss why divorce is best handled like a business transition, how a divorce coach helps you, why "fair" is the wrong target and how to aim for reasonable outcomes that keep your spouse at the table and out of court.   Episode Highlights:   0:00 - Intro 0:36 - Episode open 1:02 - Meet Sheila Brennan 3:06 - "These are business decisions" 4:53 - The impact that Sheila makes 9:20 - Timeline and know-how 17:19 - Nothing is 'fair' about divorce 20:13 - The rules are different everywhere 22:44 - Where to find more about Sheila and her services 24:20 - Action item ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH Sheila Brennan   LinkedIn: https://www.linkedin.com/in/sheilabrennandivorcecoach/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

A divorce can have a ripple effect that can be felt by others, close family members especially. When you add in the challenges and complexity of raising a special needs child, that's when you need to get in touch with Dr. Juliet Marciano. Juliet is a mindset coach, retired pediatrician, PCI Certified Parent Coach®, and mother of four young adults. Her job? To bring joy back to parents (and really, families) when they face difficult life events. Juliet joins Regina in "divorce month" to discuss the unique challenges families face during this stressful process, and what other factors can impact how parents and individuals navigate this situation. Episode Highlights:   0:00 - Intro 0:31 - Episode open 1:08 - Meet Juliet 5:45 - Lack of resources, getting help 10:15 - Telling a special-needs child about divorce 16:01 - How often should you talk to your children about divorce? 19:02 - Talking to adult children 23:23 - Where you can find more about Juliet 26:18 - Action item and wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH DR. JULIET MARCIANO   Website: https://www.julietmarciano.com/ LinkedIn: https://www.linkedin.com/in/juliet-marciano-md-4814249/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

Divorce drains wallets and energy faster than almost any other life event.   This month, Regina is exploring the topic of divorce with expert guests to help connect you with resources, information and insights into what you should (and shouldn't do), what options are available and how to navigate this process.   This episode features Kristen Shearin, an attorney, Certified Family Financial Mediator, and a Certified Divorce Financial Analyst. She has 15 years of family law litigation experience, has mediated over 150 cases, and has testified as a financial expert witness.   She joins Regina to unpack why January sees a spike in filings, when mediation beats court, and when court is necessary for safety. They dig into the financial side of divorce, why a CDFA can protect your net worth the documents to organize before you make any moves and much more! Episode Highlights:   0:00 - Intro 0:35 - Episode beginning 3:01 - January is "divorce month" 6:36 - The IDFA and what Kristen does for it 11:15 - Financial statements, utilizing professionals 16:39 - How you can find more info (and a CDFA) 19:12 - What's upcoming for the IDFA 21:02 - Mediation 23:54 - Where you can learn more about the IDFA 24:43 - Challenges Kristen has faced as a professional woman 28:34 - Kristen's vision of retirement 30:01 - Episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH KRISTEN   Website: https://www.shearinlegal.com/ LinkedIn: https://www.linkedin.com/in/kristen-shearin-b1581562/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

Erin Clifford, JD, MA, LPC, is a wellness expert who helps professionals build healthier, more balanced, and more fulfilling lives. A Corporate Wellness Consultant, Licensed Professional Counselor, and National Certified Counselor, Erin integrates her background in mental health, nutrition, physical activity, and lifestyle management to deliver impactful wellness coaching. Her holistic approach emphasizes the interconnected nature of well-being and meeting people where they are with practical, evidence-based tools for lasting change. Erin is the author of the USA Today National Bestseller Wellness Reimagined: A Holistic Approach to Health, Happiness, and Harmony, and her work has been featured in Shape, U.S. News & World Report, and Prevention. She holds a Juris Doctor from DePaul University College of Law and a master's degree in Clinical Mental Health Counseling from Northwestern University. Her global training adds depth to her integrative approach to wellness.  In this episode, host Shay Beider and Erin Clifford explore what it means to reimagine wellness in a demanding world. Erin emphasizes the importance of identifying core values as a "north star" for building a sustainable wellness plan and aligning daily life with what matters most. She shares her holistic framework for well-being—integrating physical, mental, emotional, and spiritual health—and introduces the Wheel of Harmony, a practical tool for assessing life domains and adapting wellness practices through changing seasons and milestones. The pair discuss the power of boundaries, self-compassion, reframing limits as liberating and reminding listeners that saying no is often saying yes to themselves. Together, they address burnout, caregiving, and the need to simplify wellness by returning to the basics while also embracing accountability and mindset shifts that support lasting change. This conversation invites listeners to find what feels supportive, realistic, and meaningful for their own lives.  Listen to the complete episode by clicking the player above. Transcripts for this episode are available at: https://www.integrativetouch.org/conversations-on-healing  Show Notes: Find more about Erin here Learn more about her services here Read her bestseller: Wellness Reimagined: A Holistic Approach to Health, Happiness, and Harmony This podcast was created by Integrative Touch (InTouch), which is changing healthcare through connection, wellness and healing. A leader in the field of integrative medicine, InTouch exists to alleviate pain and isolation for anyone affected by illness, disability or trauma. This includes kids and adults with cancers, genetic conditions, autism, cerebral palsy, traumatic stress, and other serious health issues. The founder, Shay Beider, pioneered a new therapy called Integrative Touch™Therapy that supports healing from trauma and serious illness. The organization provides proven integrative medicine therapies, education and support that fill critical healthcare gaps. The success is driven by deep compassion, community and integrity.  Each year, InTouch reaches thousands of people online and in person through the Integrative Touch Healing Center, and national programs. Thanks to the incredible support of volunteers and contributors, InTouch created a unique scholarship model called Heal it Forward that brings services to people in need at little or no cost to them. To learn more or donate and Heal it Forward, please visit IntegrativeTouch.org  

On this episode of Women & Wealth, Regina welcomes Lauren Reed Williams, founder of Reed Public Relations and co-founder of Wealth of a Woman. Lauren shares why she stepped down as CEO after 14 years, how she's building safe spaces for women to talk about money, and what sparked her mission. They also dig into money mindsets, confidence with advisors, aligning finances with core values, and why "peace and freedom" now define Lauren's vision of wealth. Episode Highlights:   0:00 - Intro 0:31 - Episode beginning 4:22 - The Equal Credit Opportunity 8:14 - Women and financial advising 11:23 - What's next and where to learn more 14:50 - Some challenges Lauren has faced (as a professional woman) 18:23 - Lauren's plan for retirement 22:34 - Action item and episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH LAUREN   Website: https://www.reedpublicrelations.com/team/lauren-reed/ LinkedIn: https://www.linkedin.com/in/lauren-reed-9151183/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. This material was prepared by Franklin Templeton. Franklin Templeton is not affiliated with, nor endorsed by, LPL Financial, Private Advisor Group or Forge Wealth Management.

As we near the end of the year, an important, yet often forgotten task awaits your attention.. The year-end checklist Most people think, "cue the scary music", but in reality – it hurts less than you think, and the benefits could be.. Significant. This week, Regina walks through a simple year-end checklist. From rebalancing after a strong market, smart tax moves (loss harvesting, QCDs, Roth moves), retirement to-dos (catch-ups, RMDs) to family gifting/beneficiary clean-ups – you'll be heading into 2026 confident and on track. The only question is, which action are you going to take first? Episode Highlights:   0:00 - Intro 0:31 - Episode beginning 1:06 - Keeping investments on track 2:26 - Identifying opportunities to save on taxes 6:30 - Focusing on retirement planning 13:32 - Understanding options for gifting to charity 16:16 - Creating a legacy 21:43 - One last thing 23:07 - Action item ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. This material was prepared by Franklin Templeton. Franklin Templeton is not affiliated with, nor endorsed by, LPL Financial, Private Advisor Group or Forge Wealth Management.

Michael Crow is the president of Arizona State University, which U.S. News & World Report has called the most innovative school in the country for 11 years running. He tells Steve about why higher education needs to change, and how A.S.U. is leading the way. Plus: Steve has an announcement about the podcast. SOURCES:Michael Crow, president of Arizona State University. RESOURCES:The Fifth Wave: The Evolution of American Higher Education, by Michael Crow (2020)."College Admissions Shocker!," by Frank Bruni (New York Times, 2016).New American University.Dreamscape Learn.University Innovation Alliance.FYI.AI. EXTRAS:"Chemistry, Evolved," by People I (Mostly) Admire (2025)."America's Math Curriculum Doesn't Add Up," by People I (Mostly) Admire (2021).Data Science 4 Everyone. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Marketing has always been a handful, but with the rise of digital marketing – it's become harder than ever to manage. Enter Lorrie Thomas, CEO of Web Marketing Therapy and a self-described 'Marketing Therapist'. Lorrie's  team has helped "intentional leaders" simplify marketing, build systems that last, and grow on their terms. She joins Regina this week and shares why the healthiest marketing starts with relationships, not shiny tools, and how clear values, service, and boundaries lead to happier clients and better results. They also discuss how Lorrie started the business, her retirement plans, biggest challenges she's faced and more! Episode Highlights:   0:00 - Episode beginning 0:31 - Meet Lorrie 2:17 - What Lorrie helps people with 5:31 - What makes people say "I need help with this"? 9:01 - Consultant, or therapist? 12:44 - Where you can connect with Lorrie 13:26 - Biggest challenges and growing w/ the business 20:57 - Lorrie's vision of retirement 22:27 - Episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH LORRIE THOMAS   Website: https://www.webmarketingtherapy.com/ LinkedIn: https://www.linkedin.com/in/lorriethomasross/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

How do we measure quality care in a way that truly supports families? In this episode, Nicole sits down with Ben Harder, Managing Editor and Chief of Health Analysis at U.S. News & World Report, to explore the heart and science behind the 2026 Best Nursing Homes ratings. Together, they break down the updated methodology, what makes top-performing facilities stand out, and how families can use these insights to make confident, compassionate decisions, whether navigating short-term rehab or long-term care. This conversation brings clarity to a system that often feels overwhelming, offering a grounded look at how data, transparency, and thoughtful evaluation can guide better care for the people we love most. View US News & World Report Best Nursing Homes HERE.    Thank you to our Sponsor Zinnia TV is a therapeutic dementia care platform that supports caregivers.   We are not medical professionals and are not providing any medical advice. If you have any medical questions, we recommend that you talk with a medical professional of your choice. willGather has taken care in selecting its speakers but the opinions of our speakers are theirs alone. Thank you for your continued interest in our podcasts. Please follow for updates, rate & review! For more information about our guest, podcast & sponsorship opportunities, visit www.willgatherpodcast.com Instagram: @willgather

'Tis the season for joy, generosity…and budget creep. In this Women and Wealth episode, Regina McCann Hess, shares a simple playbook to enjoy holiday shopping without sabotaging your 2026 self. You'll learn how to set a per-person budget, avoid "buy now, pay later" traps, use last year's statements to right-size spending, and swap pricey presents for experiences. Plus: smart ways to use rewards points, online shopping tips, and one simple action for your savings plan for a stress-free holiday next year. Episode Highlights:   0:00 - Episode beginning 2:41 - Avoiding adding debt 4:35 - Try 'white elephant' or a gift exchange 6:54 - D.I.Y. gifts 8:09 - Secret santa 9:04 - Finding discount deals 12:11 - Using reward points 15:12 - Start saving early 17:11 - Action item ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.  

In a world that often dismisses the extraordinary as mere fantasy, the Webby Award winning podcast, The Telepathy Tapes, dares to listen instead.What began as a documentary investigation into the remarkable telepathic abilities of non-speaking individuals with autism has expanded into a global exploration of consciousness itself – the science behind it, the mysteries within it, and the lived experiences that refuse to be ignored.In Season One, non-speaking autistic individuals revealed striking abilities that challenge everything we thought we knew about the mind. In Season Two, the lens widens to extraordinary phenomena that invite us to rethink reality itself. From near death experiences to telepathic communication with animals, energy healing to plant intelligence, and the origins of creativity to sudden savant abilities -- each episode offers a rare glimpse into the vast terrain of consciousness beyond the brain.Most people do not live at the extremes of blind belief or hard-nosed skepticism and nobody wants to be fooled in either direction. Award-winning filmmaker Ky Dickens is your host in this paradigm-shifting series that navigates the space between proof and possibility, where transparency, curiosity, and open-minded skepticism meet to help listeners uncover answers to the mysteries that science hasn't fully explained. What have we dismissed that may be true? Is consciousness something we access, or is it bound to the brain? Does it survive death? Can it connect across time and space? And what might it mean for all of us?Step inside a conversation that sits between science and mystery, skepticism and wonder. This is The Telepathy Tapes.BioKy Dickens is an award-winning filmmaker celebrated for her transformative documentaries that tackle complex social issues, influence public policy, and ignite cultural change. Known as a storyteller at the intersection of film and societal impact, she has received numerous accolades, including the Focus Award for Achievement in Directing and the Change Maker Award for advancing social change through art and film.Ky's fifth film, Show Her the Money, featuring Elizabeth Banks and Sharon Gless, was named one of the decade's best financial films by U.S. News & World Report. The film has won three Jury Prizes for Best Documentary, including from the Los Angeles International Film Festival.In 2024, Ky created The Telepathy Tapes, a podcast exploring telepathy within the nonspeaking community and raising profound questions about consciousness, language, and inclusion. The series went viral upon release, and in December 2024, it surpassed Joe Rogan as the number one podcast in the world. In 2025, The Telepathy Tapes won a Webby Award for Best Indie Podcast and was nominated for Podcast of the Year by iHeartRadio. The series is currently being developed into a documentary feature film set for release in 2026.Her film Zero Weeks (Amazon), about America's paid leave crisis, debuted its trailer at the White House Summit on the State of Women, hosted by Oprah and Michelle Obama. Ky's other notable projects include The City That Sold America (Freestyle Releasing), a deep dive into Chicago's pivotal role in American consumer culture, and Sole Survivor (CNN Films), a haunting profile of lone survivors of otherwise fatal plane crashes. Her film #TimeToCare, which premiered at SXSW and was screened for the United States Congress in 2021. The film explores caregiving through the lens of social influencers whose journeys captivated millions on TikTok.Between 2019 and 2021, Ky directed the award-winning short film series Critical Condition, On the Edge, and Left Behind, which highlighted Americans suffering due to the Medicaid Gap. Her first narrative film, In the Jungle, is set to be released in 2024. Collectively, Ky's films have garnered over 20 awards, including audience choice, best film, and best directing honors.In addition to her feature work, Ky directs commercials for major global brands, including Netflix, Google, TikTok, and Johnson & Johnson. She is an active member of Film Fatales Los Angeles and the Directors Guild of America.A lifelong advocate for the special needs community, Ky spearheaded her district's inclusion program when she was in high school. She graduated magna cum laude from Vanderbilt University and lives in Los Angeles, California, with her family, rescue dog, Devon Rex cats, and Kombucha scoby.https://thetelepathytapes.com/ https://www.pastliveshypnosis.co.uk/https://www.patreon.com/ourparanormalafterlifeMy book 'Verified Near Death Experiences' https://www.amazon.com/dp/B0DXKRGDFP Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Designing the life you want starts with your income. This week, Regina sits down with Kim Daly, a history-making franchise consultant and mindset coach, to unpack how franchising can de-risk business ownership, create cash flow, and buy back your time. Kim explains why you should pick a business for the life it creates, not for a hobby or what your town "needs", and how mindset shifts fueled her 350% growth in 12 months. She also shares realistic capital ranges, FTC guardrails, semi-absentee ownership, and the legacy of modeling success as a single mom. Episode Highlights:   0:00 - Intro & guest 0:44 - What Kim does + who she helps 3:57 - 9 Vision-first franchising: match the life, then the business 5:40 - The process (free), how she's paid, and wide industry options 7:21 - Kim's path into franchising 9:05 - Franchising vs. entrepreneurship; cash flow + semi-active ownership 11:46 - Costs, FTC guardrails, and mindset (Z Suite) 17:31 - Challenges, legacy, and "never retire" philosophy 23:24 - Action item + outro & disclosures   ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH KIM DALY   Website: https://thedalycoach.com/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

When you're taking care of everyone else – who is taking care of you?   This week, Regina goes deep on women as caregivers and how the "sandwich generation" strain shows up financially, emotionally, and physically. Both for yourself and for loved ones, there needs to be a plan for long-term care (LTC) with clear-eyed costs, coverage myths (hello, Medicare), and policy options (traditional vs. hybrid; reimbursement vs. cash-indemnity). You'll leave with concrete next steps a new understanding of how to navigate this tricky aspect of life. Episode Highlights:   0:00 - Episode beginning 0:38 - Today's topic: caring for women caregivers 2:24 - The "sandwich generation" reality 3:07 - Burnout, time strain, mental health 4:52 - How it hits women; key stats & income impact 8:19 - What LTC means; ADLs & cognitive impairment 11:34 - Care options: adult day, home care, assisted living, hospice, nursing home 15:11 - What it costs (2023 figures) 20:18 - Paying for care: self-funding & Medicare limits 21:27 - Insurance types: traditional vs. hybrid (premiums, increases) 25:47 - Reimbursement vs. cash-indemnity—how payouts work 29:11 - When to buy, budgeting, choosing a carrier & action steps 33:32 - Outro & where to find Regina ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. This material was prepared by Brighthouse Financial. Brighthouse Financial is not affiliated with, nor endorsed by, LPL Financial, Private Advisor Group or Forge Wealth Management.

It's YOUR time to #EdUp In this episode, part of our EdUp Extra series (because who doesn't love a little extra goodness in their life), & sponsored by the 2026 InsightsEDU Conference in Fort Lauderdale, Florida, February 17-19,YOUR guest is Dr. LaMont Jones, Managing Editor for Education, U.S. News & World ReportYOUR cohost is Darius Goldman, Founder & CEO, Career-BondYOUR host is ⁠⁠Elvin FreytesHow can families leverage U.S. News' 8 billion yearly impressions, free rankings & 10,000 plus scholarship database to find the right educational path?Why do outcomes based metrics like Pell Grant graduation rates & high paying associate degree programs matter more than traditional prestige for ROI?What strategies can higher education leaders use to strengthen mission clarity, increase transparency & demonstrate value proposition in a changing landscape?Listen in to #EdUpThank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp!Connect with YOUR EdUp Team - ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Elvin Freytes⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dr. Joe Sallustio⁠⁠⁠⁠● Join YOUR EdUp community at The EdUp ExperienceWe make education YOUR business!P.S. Want to get early, ad-free access & exclusive leadership content to help support the show? Then ⁠​subscribe today​⁠ to lock in YOUR $5.99/m lifetime supporters rate! This offer ends December 31, 2025!

Women, work, and winning your seat at the table. This week, Regina sits down with Kelly Gates, a CRO/CVO and longtime growth + strategic marketing leader to talk career paths, owning the room in male-dominated spaces, mentoring the next generation, and using networking + follow-through as unfair advantages. Kelly also shares how she balances venture-building with revenue leadership, and her "downshift, not full stop" vision for retirement. Episode Highlights:   0:00 - Introduction 2:36 - What led Kelly to marketing 10:16 - How to reach out to Kelly 12:21 - Kelly's vision for retirement 15:56 - Action item ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH KELLY GATES   LinkedIn: https://www.linkedin.com/in/kelly-gates-4b63709/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

It happens to all of us, and how we prepare for it can mean all the difference for your loved ones. This week, Regina walks you through a 7-point estate planning checklist: what to prepare, which pros to involve, and how to keep your family out of chaos if something happens. You'll learn how to choose the right attorney, organize your assets, decide on wills vs. trusts, set financial and medical powers of attorney, protect loved ones with the right life insurance, craft a values-based gifting plan, and why clear communication (even a recorded family meeting) can prevent costly disputes later. Episode Highlights:   0:00 - Introduction 1:26 - #1 Find a trusted partner 12:54 - #2 Have a valid will and trust 19:37 -  21:07 - #4 Medical directives 23:42 - #5 Life insurance 25:56 - #6 Gifting plan 27:30 - #7 Communicate the plan 31:40 - Action plan ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. This material was prepared by John Hancock Investment Management. John Hancock Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.

How do small and mid-size companies build a real HR function without hiring in-house? Regina sits down with entrepreneur Tina Hamilton, CEO & Founder of myHR Partner, to unpack how her company evolved from hiring support into full-scope outsourced HR across 43 states. The two also dive into what's really driving today's hiring slowdown and why now can still be a smart time to recruit top talent. Additionally, Regina explores Tina's plans for retirement, her biggest obstacles she's faced as a professional woman, and much more! Episode Highlights:   0:00 - Introduction 3:07 - How Tina got started 17:40 - Where can people find you 18:17 - Some of the challenges Tina faced as a professional woman 22:19 - Retirement vision 25:04 - Episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH TINA HAMILTON   Website: https://myhrpartnerinc.com/blog/author/tina-hamilton LinkedIn: https://www.linkedin.com/in/tinahamiltonmyhr   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

As the government shutdown stretches on, Chuck Todd breaks down how both parties are calculating the political costs — and why Democrats may have already achieved what they wanted. With air travel disruptions mounting and healthcare debates pulling in new Republican attention, the public's patience is wearing thin. Meanwhile, tensions between Trump and Illinois leaders have escalated, raising questions about the politicization of the military and fairness in immigration enforcement.He also examines Democrats' deeper strategic struggles heading into 2026 and beyond — from misreading voters' frustration with cost of living to failing to invest early in registration and outreach. Inside the party, Virginia rallies around Jay Jones, while figures like Elissa Slotkin and Gavin Newsom position for future national influence. But viral missteps, like Katie Porter's interview fallout, reveal how Democrats are still struggling to master modern media and messaging in an increasingly short-form political world.Then, he sits down with Washington Monthly editor-in-chief Paul Glastris to unpack how America's college ranking system went off the rails—and how it's warping higher education itself. Glastris argues that U.S. News & World Report rewards wealth, not value, pushing schools to chase prestige over affordability and teaching quality. He highlights Berea College as a model for what higher ed could be: a well-endowed school that actually invests in its students rather than its brand.The two also explore how higher ed's obsession with research grants and graduate programs has left undergrads behind, and why community and regional universities—where most Americans actually study—deserve more attention and funding. From the decline of community colleges to the disappearance of local journalism, Glastris and Todd make the case for a “New Deal for Higher Education” that values mobility, access, and public service over profit and rankings.Finally, he answers listeners' questions in the “Ask Chuck” segment and previews the upcoming weekend in college football.Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win!Timeline:(Timestamps may vary based on advertisements)00:00 Introduction03:00 Government shutdown lingers on, Dems accomplished what they wanted04:15 Air travel starting to be impacted by shutdown05:30 The healthcare issue has gotten the attention of Republicans06:30 General public only cares about issues that directly impact them07:30 Either party could end the shutdown now09:45 Showdown between Trump & leaders in Chicago escalates10:45 Using Texas national guard in Illinois is a bridge too far11:45 Too many leaders on both sides are way too online13:00 ICE found by judge to be making warrantless arrests15:15 Trump and Stephen Miller overplaying threat to the public16:00 Public doesn't support deployments, wants apolitical military17:15 Majority of voters think deportation process hasn't been fair18:45 Politics getting personal between Trump & Illinois leaders20:45 There are political risks for both sides21:45 DNC believes they didn't spend early & enough to engage voters in 24'24:15 Democrats takeaways are wrong. Biden was the biggest issue25:30 Biden team misread the room, voters were upset at cost of living26:45 DNC has put enough effort into voter registration27:30 Appears party leaders in VA will rally around Jay Jones29:15 Democrats willing to engage in GOP style “whataboutism”30:30 There's still a vast chunk of America that cares about ethics32:00 Elisa Slotkin headlining dinner in NH, eyeing run for president?33:00 Looking like Gavin Newsom will win redistricting referendum35:00 If California votes yes, it looks like R's will only pick up 3-4 seats in 26'35:45 Katie Porter crashes out in viral interview clip, both parties pile on37:30 Has Porter spent too much time in friendly interview spaces?39:00 Porter's response to losing senate primary to Schiff was revealing40:30 Former Bernie strategist says Dems struggling with short form video44:00 Paul Glastris joins the Chuck ToddCast 45:00 Best colleges for the buck? 47:15 US News ranks colleges in a horrific way 48:30 Schools prioritize wealth when doing admissions 51:30 Upward mobility matters more when ranking colleges 53:15 Schools freak out when they lose ranking status 54:45 Berea College is best bang for the buck school in America 56:45 Berea has a massive endowment, but it's used for education 59:30 Schools focus on post-grad programs rather than undergrad 1:01:00 Research institutions should be put in their own category 1:01:30 Trump administration is going after schools with research grants 1:03:00 We've never seen an administration target college research 1:04:15 It costs a ton of money to send kids to college now 1:05:30 Do colleges prioritize hiring researchers or teachers? 1:08:15 We overproduce academic talent in America 1:10:15 Smaller schools face massive financial challenges 1:12:30 Many schools border on predatory 1:14:00 We need a "new deal" for higher education 1:16:30 Most people get their BA's at local & regional universities 1:18:00 America didn't get to making 2 years of college free 1:19:15 The state of the community college system 1:20:45 Florida never built a good state system, has no prestige schools 1:21:45 Florida standardized passing courses counting at every school 1:23:45 There's a wide disparity of outcomes between community colleges 1:24:15 Community colleges offer community building activities 1:26:45 College rankings are an important example of service journalism 1:28:45 Local journalism was the foundational piece of the profession 1:30:00 The economic underpinnings of local journalism have been wiped out 1:32:30 Government and philanthropy can underwrite local journalism 1:34:30 National opinion journalism undermined local journalism 1:36:00 Small towns can't afford good journalism1:43:45 Chuck's thoughts on interview with Paul Glastris 1:44:30 Ask Chuck 1:44:45 Should we offer a tax credit for voting to incentivize participation? 1:48:45 Thoughts on an "American Unity" platform? What would you include? 1:55:30 Trump modeling terrible behavior & character for young people? 2:03:15 Military pay during government shutdown? 2:05:45 College football previewSee omnystudio.com/listener for privacy information.

Chuck Todd sits down with Washington Monthly editor-in-chief Paul Glastris to unpack how America's college ranking system went off the rails—and how it's warping higher education itself. Glastris argues that U.S. News & World Report rewards wealth, not value, pushing schools to chase prestige over affordability and teaching quality. He highlights Berea College as a model for what higher ed could be: a well-endowed school that actually invests in its students rather than its brand.The two also explore how higher ed's obsession with research grants and graduate programs has left undergrads behind, and why community and regional universities—where most Americans actually study—deserve more attention and funding. From the decline of community colleges to the disappearance of local journalism, Glastris and Todd make the case for a “New Deal for Higher Education” that values mobility, access, and public service over profit and rankings.Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win!Timeline:(Timestamps may vary based on advertisements)00:00 Paul Glastris joins the Chuck ToddCast01:00 Best colleges for the buck?03:15 US News ranks colleges in a horrific way04:30 Schools prioritize wealth when doing admissions07:30 Upward mobility matters more when ranking colleges09:15 Schools freak out when they lose ranking status10:45 Berea College is best bang for the buck school in America12:45 Berea has a massive endowment, but it's used for education15:30 Schools focus on post-grad programs rather than undergrad17:00 Research institutions should be put in their own category17:30 Trump administration is going after schools with research grants19:00 We've never seen an administration target college research20:15 It costs a ton of money to send kids to college now21:30 Do colleges prioritize hiring researchers or teachers?24:15 We overproduce academic talent in America26:15 Smaller schools face massive financial challenges28:30 Many schools border on predatory30:00 We need a “new deal” for higher education32:30 Most people get their BA's at local & regional universities34:00 America didn't get to making 2 years of college free35:15 The state of the community college system36:45 Florida never built a good state system, has no prestige schools37:45 Florida standardized passing courses counting at every school39:45 There's a wide disparity of outcomes between community colleges40:15 Community colleges offer community building activities42:45 College rankings are an important example of service journalism44:45 Local journalism was the foundational piece of the profession46:00 The economic underpinnings of local journalism have been wiped out48:30 Government and philanthropy can underwrite local journalism50:30 National opinion journalism undermined local journalism52:00 Small towns can't afford good journalismSee omnystudio.com/listener for privacy information.

Medicare made (much) clearer. This week, Regina breaks down what Medicare is, who's eligible, the differences between Parts A–D. Most importantly, you'll get a sneak peek into how you can avoid costly mistakes. so you can plan healthcare confidently in retirement. Additionally, Regina covers enrollment windows, penalties, Medigap vs. Medicare Advantage, and what ‘Original Medicare' doesn't cover. Episode Highlights:   0:00 - Introduction 0:33 - Episode beginning 3:01 - What is medicare? 3:32 - Who is eligible? 4:09 - What are the different parts? 5:14 - Part B 7:30 - Part D  9:13 - What is not covered? 10:05 - When can I enroll? 11:55 - What if I delay my enrollment? 12:59 - How does a Medical Supplement Insurance Plan fit? 15:46 - Call to action ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com. This material was prepared by Hartford Funds.

Regina welcomes coach and speaker Mihika Patel, founder of One Mighty Mama, to explore reclaiming identity in motherhood and designing a flexible, fulfilling future. Additionally, the two cover tiny habits for tough days, “Mind Movies” for affirmations, and why investing in yourself strengthens your relationships. Episode Highlights:   0:00 - Introduction 0:43 - Meet Mihika Patel 2:24 - Why focus on moms? 8:43 - Mihika's morning routine 14:07 - Where you can connect with Mihika 15:36 - Challenges Mihika has faced as a professional woman 19:30 - Mihika's plans for retirement 22:08 - Action item ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH MIHIKA PATEL   Website: https://www.1mightymama.com/ LinkedIn: https://www.linkedin.com/in/mihika-patel/ Instagram: https://www.instagram.com/momentswithmihika/?hl=en   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

The U.S. News & World Report Best Colleges rankings are among the most widely recognized and influential systems for evaluating higher education institutions in the United States. Since their first publication in 1983, the annual rankings have become a significant tool for prospective students, families and high school counselors in the college search. The ultimate goal for any student should be to find the school that is the best personal fit academically, socially, and financially. The rankings are based on a transparent methodology that evolves over time, making changes to reflect a shifting landscape in higher education, but the core principle is to evaluate colleges on various measures of academic quality.

The U.S. News & World Report Best Colleges rankings are among the most widely recognized and influential systems for evaluating higher education institutions in the United States. Since their first publication in 1983, the annual rankings have become a significant tool for prospective students, families and high school counselors in the college search. The ultimate goal for any student should be to find the school that is the best personal fit academically, socially, and financially. The rankings are based on a transparent methodology that evolves over time, making changes to reflect a shifting landscape in higher education, but the core principle is to evaluate colleges on various measures of academic quality.

Investing in the stock market is a common, but significant part of most American's retirement and wealth-building strategies. It can come with one major hitch – volatility. Nobody likes it, but everyone deals with it.   In this Women & Wealth episode, Regina McCann Hess shares 10 things you should know about stock-market volatility, from what the VIX really measures to why time in the market matters more than timing. You'll learn how to frame scary headlines, ways to soften volatility in a plan, and why downturns can be long-term opportunities. Episode Highlights:   0:00 - Introduction 1:29 - You have to put it into perspective 2:33 - The “fear index” 3:16 - The only thing to fear is.. 3:44 - Don't let bad days blind you 4:49 - Volatility is lower than it has been historically 5:33 - Patience is a virtue(?) 6:30 - “No one said it would be easy” 7:10 - You can work to minimize volatility (if it bothers you) 7:54 - Embrace volatility 8:56 - The glass is more than half-filled 11:07 - Action item ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by Hartford Funds. Hartford Funds is not affiliated with nor endorsed by LPL Financial, Private Advisor Group or Forge Wealth Management.

U.S. News & World Report has released its latest college rankings, with four Illinois universities making the grade. LaMont Jones, Managing Editor for Education at U.S. News & World Report in New York, joins Rob Hart on the WBBM Noon Business Hour with the details...

U.S. News & World Report has released its latest college rankings, with four Illinois universities making the grade - plus tips for handling a financial emergency and making your next vacation a “one-parent trip.”

(I'm editing and finalizing this podcast in an airport. So please excuse any small glitches or errors today. I thought it important to get this podcast out asap.)Most people may have heard of Charlie Kirk in passing before he was assassinated on September 10, but if you are not “Gen Z” you likely didn't know much about him. I certainly didn't - until a few months ago when he hosted a debate at one of his Turning Point conferences. The discussion focused on whether America should support Israel and featured Josh Hammer - our STLV guest today - and Dave Smith, a “comedian” turned geopolitical expert. You can find the link to that podcast below, in the notes. It's worhh to watching.Josh had a long conversation with Charlie and a few others on the night before his murder. They discussed a range of issues relating to Israel, antisemitism and Jews. Charlie was preparing. He told Josh that 50% - FIFTY PERCENT - of the questions he dealt with these days were about - Jews. That is astonishing.Turning Point is an advocacy organization founded by Kirk which over the years has become one of the most influential political groups in America and, possibly, beyond. Not until his death did the extraordinary reach of this young man become apparent to - the masses. He had certainly made a name for himself among young Americans, touring relentlessly to speak and engage on critical issues: social, foreign, and economic policy. He angered many and affirmed others. He opened and probably closed minds. Charlie was tenacious, hardworking, sincere, and head strong. He was unwavering in his beliefs. All of them. Recently, he had also come under attack by more than the usual detractors. Very big names in the podcast world - with millions of followers - turned on Kirk. They accused him of being a stooge for Israel. Some said he was rethinking his support for Israel and Jewish people and more than suggest that this angered the “wrong people.” Blame the Jews. Since his brutal death they've doubled down. It's beyond ghoulish.I was shaken and shocked when I heard about Kirk's murder. A young man. Earnest. Engaged. A husband and father. Gunned down while speaking to a group of students, as his wife and children watched. That our society has become so hateful, so dumb, so violent, should make us all stop. Think. And then think again. No bad pun intended but Kirk's assassination may well mark a turning point for America and western civilization. This epic war being waged on the foundational values of western liberal democracy is real. Dangerous. And could well destroy our way of life if we do not wake up. That was Charlie's message as well. I share some - but not all - of his views. But that's irrelevant. This isn't about me. What kind of world do we want to live in?Show your support for STLV at buymeacoffee.com/stateoftelavivJosh Hammer is the author of the new book, Israel and Civilization: The Fate of the Jewish Nation and the Destiny of the West. He is the senior editor-at-large of Newsweek, a syndicated columnist, and a fellow with the Edmund Burke Foundation and the Palm Beach Freedom Institute. He also hosts The Josh Hammer Show, a Newsweek podcast and syndicated radio show. A frequent pundit and essayist on political, legal, and cultural issues, Josh is a constitutional attorney by training and additionally serves as senior counsel for the Article III Project.Josh has been published by the Los Angeles Times, the New York Post, The Telegraph, the Daily Mail, U.S. News & World Report, National Review, First Things, National Affairs, American Affairs, the Claremont Review of Books, The New Criterion, City Journal, Public Discourse, Tablet Magazine, Deseret Magazine, The Spectator, Fortune, Fox Business, The Times of Israel, The Forward, and the Jewish Journal. His legal scholarship has been published by the Harvard Journal of Law & Public Policy and the University of St. Thomas Law Journal. Josh is a college campus speaker through Young America's Foundation and the Intercollegiate Studies Institute, and a law school campus speaker through the Federalist Society.Josh graduated from Duke University, where he majored in economics, and from the University of Chicago Law School. He lives in Florida with his wife and daughter, and he also remains an active member of the State Bar of Texas.State of Tel Aviv is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.stateoftelaviv.com/subscribe

Welcome back to another edition of Women and Wealth!    This week, Regina has on Shikha Bajaj – Shikha Bajaj is a globally recognized transformation expert, award-winning author, and visionary executive with over 25 years of experience leading innovation and impact across Fortune 500 companies, nonprofits, and mission-driven institutions. Her new book, Own Your Color: How to Unleash Your Limitless Potential with One Secret Tool: MENTOR, explores three actionable steps: understanding your values, daring to dream big, and taking decisive action. Shikha gives you and Regina a sneak peek into her book and what motivated her to put pen to paper. As always, they also dive into the career challenges women face as well as Shika's plans for retirement! Episode Highlights:   0:00 - Introduction 0:42 - Introduction to Shikha 2:14 - The process of writing the book 4:53 - Gender equity vs. equality 11:32 - Where you can learn more about Shikha 15:30 - “What is your vision for retirement?” 17:30 - Action item and episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH SHIKHA BAJAJ   Website: https://ownyourcolor.com/ LinkedIn: https://www.linkedin.com/in/shikha-bajaj1/ Book: https://www.amazon.com/Own-Your-Color-Limitless-Potential/dp/B0CT5K4G6S   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

Welcome back to another edition of Women and Wealth! Regina returns back to social security yet again! Because it's fun? No! Because it's exciting? No! It's because it's important! And as you've learned from previous social security episodes – and will learn from this episode as well – it can be complicated and there are many scenarios that can positively (or negatively) impact what you receive in your retirement years. This week, Regina focuses on social security for widows and widowers in particular. From specific questions like “Will I automatically receive the survivor benefit?” or “What if I remarry?”  to broader approaches to managing your social security and retirement planning alike – this episode is the perfect crash course for the different situations that you, or a friend or family member, may find yourself in after losing a loved one.   Episode Highlights:   0:00 - Introduction 0:45 - Social Security Death Benefits For Widows and Widowers 2:23 - Some benefits that could be available to you 3:04 - What are the amounts based on? 4:34 - What percentage of the deceased benefit can I receive? 8:04 - Can I receive the maximum survivor benefit even if I receive a reduced spousal or retirement bonus? 9:20 - “Will I automatically receive the survivor benefit?” 11:11 - “My spouse claimed social security before they passed away, how is their survivor benefit calculated?” 12:45 - If they claim AFTER retirement age.. 14:54 - “What if my spouse died and never claimed SS?” 16:11 - “Can I receive both my retirement benefit and my survivor benefit?” 16:25 - “What if I remarry?” 17:08 - Can I start my retirement benefit and then switch to the survivor benefit? (And vice versa) 19:59 - “What if I worked in a government position that did not pay into social security?” 21:32 - Action item and wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.  

The ancient Mediterranean teemed with gods. For centuries, a practical religious pluralism prevailed. How, then, did one Deity come to dominate the politics and piety of the late Roman Empire? In ‘Ancient Christianities,' Paula Fredriksen traces the evolution of early Christianity, or rather, of early Christianities through five centuries of Empire, mapping its pathways from the hills of Judea to the halls of Rome and Constantinople. It is a story with a sprawling cast of characters: not only theologians, bishops, and emperors, but also gods and demons, angels and magicians, astrologers and ascetics, saints and heretics, aristocratic patrons and millenarian enthusiasts. All played their part in the development of what became and remains an energetically diverse biblical religion. Paula Fredriksen continues with host Fred Stella on the various religious, political, and social reasons that what most call Christianity in the 21st century is the worldview that won out in the marketplace of ideas 2,000 years ago. Paula Fredriksen has been distinguished visiting professor in the Department of Comparative Religion at the Hebrew University of Jerusalem, since 2009 (now emerita). Fredriksen served as an historical consultant and featured speaker in many media, including for the BBC production The Lives of Jesus (1996) and for U.S. News & World Report's "The Life and Times of Jesus". Fredriksen's book From Jesus to Christ: The Origins of the Early Images of Jesus served as a template for the Frontline documentary From Jesus to Christ: The First Christians. Theme music "Nigal."

Welcome back to another edition of Women and Wealth! Regina is joined by Jessica Lipson, President of JBL Consulting and HR extraordinaire! Jessica is a fractional HR executive with over 2 decades of experience working in industries new, old, big and small – and now she's taking her philosophy and expertise to other companies looking to maximize their ROI on talent, while building a rich, people-first culture that doesn't skimp on employee experience. Additionally, Regina and Jessica dive deeper into how she helps the companies she works with and how she ended up working for herself. Additionally, they explore her professional experience before and after JBL, the challenges she's faced because of her gender, her plans for retirement, and more!   Episode Highlights:   0:00 - Introduction 0:38 - Getting to know guest Jessica Lipson 2:26 - More about Jessica's niche 7:49 - “We all have undiagnosed ADD” 8:34 - What industries Jessica focuses on 11:09 - Where you can learn more about Jessica 12:15 - Some challenges Jessica has faced as a professional woman 19:33 - “What's your vision for retirement?” 21:48 - This episode's “action item” ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH JESSICA LIPSON   Website: https://www.jblhrconsulting.com/ LinkedIn: https://www.linkedin.com/in/jessicalipson/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.

In this episode of Wonderland on Points, we sit down with Elizabeth Von Tersch from U.S. News & World Report to dive into the brand-new 2024 Best Hotel Rewards Program Rankings. We talk through what surprised us, what didn't, and what travelers like us can actually take away from the data.Elizabeth explains why Choice Hotels jumped from #4 to #1, what makes Wyndham stand out (including their all-inclusive options you can book with points!), and why our beloved Hyatt didn't take the top spot despite being first in our hearts. We dig into fixed award charts versus dynamic pricing, what's happening with Citi ThankYou Rewards and Capital One transfers, and why keeping a diversified points portfolio matters now more than ever.Of course, the conversation wanders into cruises — from Disney to Viking River Cruises — and Elizabeth even teases upcoming U.S. News rankings for the best cruise lines. We also swap Costco-versus-Aldi grocery hacks for maximizing points, talk about the elusive dream of a cruise loyalty program worth its salt, and hear where Elizabeth is headed next on points (spoiler: it involves pastries in Copenhagen).If you've ever wondered how to stretch your hotel points further, which programs are really delivering value right now, or just need inspiration for your next family trip, this episode is packed with insights (and plenty of laughs).Comfrt Hoodie Youtube ComparisonComfrt Hoodie 15% OFF!Facebook GroupWonderland On Points BlogFind Us On InstagramMary Ellen | JoAffiliate LinksCapitalOne Venture and Venture X LinksChase Sapphire Preferred LinksFlyKitt- the BEST Jet Lag Solution!30% off the CardPointers subscription!Tripiamo Driving TutorialsOur Favorite Travel NecessitiesWe receive a small commission when you choose to use any of our links to purchase your products or apply for your cards! We SO appreciate when you choose to give back to the podcast in this way!

Why This Episode Is a Must-Listen Credit doesn't just open doors. It can make or break your financial future. In “Unlocking the Power of Credit for Financial Success,” Andy Wang and a panel of experts demystify the secrets of credit scores, break down new innovations in fintech, and reveal actionable tactics for building—and protecting—your financial reputation. Whether you're just starting out, rebuilding after a setback, or looking to leverage credit for new opportunities, this episode has the clarity, insight, and real-world strategies that LinkedIn professionals need right now.  I want to thank our sponsor Seeking Alpha Premium, the investment research platform that helps you make smarter decisions with institutional-grade analysis and proven stock ratings. Get $30 off your first year plus a 7-day free trial at www.inspiredmoney.fm/alpha. Meet the Expert Panelists Howard S. Dvorkin, CPA, is a nationally recognized debt and credit expert, two-time author, and Chairman of Debt.com, where he has dedicated his career to helping Americans achieve financial freedom. A pioneer in financial education and consumer advocacy, he has shaped state and federal legislation, led national credit counseling associations, and appeared as a trusted voice in major media outlets including The New York Times, CNN, and Fox News. https://www.howarddvorkin.com Anthony Davenport is the founder and CEO of Regal Credit Management, a leading firm that helps professional athletes, entertainers, and high-net-worth individuals build, restore, and protect their credit. A best-selling author of Your Score and a certified FICO® credit expert, he is a sought-after speaker and media commentator featured in outlets such as Forbes, USA Today, and Oprah Magazine. https://anthonymdavenport.com Cullen Canazares is the Co-Founder & CEO of Rental Kharma, the pioneers in the rent reporting industry for over 12 years, having helped more than 125,000 families build credit by reporting rent payments to major credit bureaus. A Stanford Graduate School of Business alumnus and serial entrepreneur, he has dedicated his career to advancing financial inclusion and empowering renters to raise their credit scores, achieve homeownership, and access better financial opportunities. https://www.rentalkharma.com https://www.rentalkharma.com Reyna Gobel, MBA, MPH, is an award-winning freelance journalist and keynote speaker whose work on personal finance, nutrition, travel, and wellness has appeared in The Atlantic, Scientific American, Money, Reuters, AARP, and U.S. News & World Report. She is also the author of seven books—including Graduation Debt, a Washington Post Book of the Month—and has educated audiences at hundreds of colleges, alumni associations, and organizations nationwide. Her nutrition course is available at www.bestnutritionclassever.com and you can find her content at www.walletsandwaistlines.com. https://reynagobel.com Key Highlights: 1. The Real Credit Score Formula—Demystified Howard Dvorkin breaks down the evolution of credit scoring from subjective loan office assessments to the current data-driven FICO model. He emphasizes, “If you take credit out, pay it off. If you can't pay it off immediately... try to keep the utilization under 10%.” Focusing on payment history and credit utilization gives you control over the score that controls so many major financial moments. 2. Insider Secrets to Credit Optimization Anthony Davenport reveals how timing and reporting dates can cause credit scores to fluctuate—even if you pay off your cards monthly. He recommends, “Find out the reporting dates for each of your credit cards and set up your auto payment to pay it off a few days in advance before that date. That way, your credit score is going to stay optimal every month, in and out.”  3. Building Credit Without Going into Debt Cullen Canazares shares how rent (and now, utility) payments can count toward your credit score, thanks to new fintech solutions and imminent industry upgrades. For those without credit cards or thin files, this is a groundbreaking way to build creditworthiness—without taking on new debt.  4. Develop a Mindset for Long-Term Credit Health Reyna Gobel underscores the importance of confidence, knowledge, and bite-sized action. “A lot of people don't know the nutrients they're eating either,” she says, connecting personal finance to health. Starting with small, manageable steps, like pulling your credit report or disputing an error, can yield big results. Call-to-Action Here's my challenge to you this week: Pull your credit report. It's free at AnnualCreditReport.com, and reviewing it is the first step in taking control. Look for errors, understand what's driving your score, and make one small improvement... whether that's paying down a balance, setting up autopay, or reporting your rent. As we heard from our guests, small actions can have a huge impact over time. Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

Welcome back to another edition of Women and Wealth!    This week, Regina circles back to social security but with a twist: What do your benefits look like when you're divorced? From qualifying for the benefits themselves, to the requirements and special circumstances you may find yourself in – Regina is breaking down all the ins and outs when it comes to your (ex) spouse – as well as some pointers on how you should be approaching social security, and on a larger scale, retirement. Episode Highlights:   0:00 - Introduction 1:15 - Requirements to receive an (ex) spouse's benefit 3:05 - Switching over to survivor benefits 4:10 - Divorced spouse benefit 6:10 - “Does my ex spouse need to apply for…” 6:40 - Do you need to tell your ex-spouse? 9:49 - Qualifying for spousal benefits, “full retirement age” 17:12 - Can you start one benefit and then switch to another? 18:28 - Survivor benefits (if my ex is deceased) 20:03 - Spousal vs. survivor benefits 22:21 - More specific questions 27:35 - Earnings limits (under full retirement age) 29:35 - Episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.

It's time for our daily chat with KCBS Insider Phil Matier, hosted by KCBS Radio news anchor Steve Scott. Oakland Mayor Barbara Lee is taking issue with a new ranking by U.S. News & World Report, which claims Oakland is the 2nd most dangerous place to live in the US.

Welcome back to another edition of Women and Wealth!    This week's episode brings guest Rebecca Roskey-Brunner and her unique career that brings an invaluable service to her clients: Help with healthcare. Rebecca is the president of Complete Care Strategies, which has been providing its unique blend of in-home care, geriatric care management, special needs care management, and patient advocacy to families. Rebecca discusses how she discovered this niche and her passion for it – as well as more about who she helps and what she actually does. Spoiler: It's not what you think. Additionally, Rebecca discusses her vision for retirement and the challenges she's faced as a professional woman – both as a nurse and now, as an executive.   Episode Highlights:   0:00 - Introduction 0:34 - Meeting Rebecca 2:58 - How Rebecca got into her career 5:25 - “Who usually reaches out?” 8:03 - Helping families with transition 11:20 - Where you can go to learn more about Complete Care Strategies 12:22 - Challenges Rebecca faced as a professional woman 13:42 - “What's your retirement vision look like?” 20:14 - Today's action item   ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH REBECCA Email: rbrunner@completecarestrategies.com Second Email: rbrunner@4lifecareservices.com Cell: (484)678-9941 Fax:  610-380-7272 Website: www.completecarestrategies.com Second Website: https://4lifecareservices.com Facebook: https://www.facebook.com/completecarestrategies Twitter: @CCScaremanager Linkedin:  www.linkedin.com/in/rebecca-roskey-brunner-7aa7a5143   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.  

Interviewer: Jasmine Lopez Interviewees: Jennifer Biggers  Language: English & Spanish | Bilingual transcript available Description: In this special bilingual episode—the first ever in Spanish on the Docs With Disabilities Podcast—we explore the intersection of disability, culture, and education through the lens of a powerful personal and professional journey. Jasmine Lopez sits down with Jennifer Biggers, M.Ed., a first-generation Latina Disability Resource Professional at the University of California, Riverside. With warmth, vulnerability, and insight, Jennifer shares how her identity as a Honduran-Ecuadorian American, former special education teacher, and parent of autistic children informs her deeply empathetic and culturally responsive approach to supporting disabled learners. Together, they discuss: The unique challenges and strengths of Latinx and first-gen students with disabilities How stigma around mental health shows up in Latinx communities—and how to push back Strategies for building trust between students and DRPs Culturally relevant resources for learners and families Why representation in medicine (and DRP offices) matters more than ever This episode is a love letter to students navigating multiple marginalizations—and to the professionals working to ensure they thrive. Whether you're a student, educator, clinician, or ally, you'll leave this episode with new insights and a deepened appreciation for the power of culturally grounded support.

On July 8th, in what can only be described as an act of reckless clarity, we published a white paper (grab it here—>) Unified Behavioral Model™ — Read more… listen now.Subscribe now“Science may be described as the art of systematic oversimplification.” ― Karl PopperWhat makes UBM so unique—so different from prevalent behavioral models?First, let's clear up a common misconception:UBM—specifically the Behavior Echo-System (BES)—is a model of behavior, not a model of a person.People often see the graphic and assume it represents themselves, or a diagram of the human body. It doesn't.As Dr. Popper's statement above suggests, UBM simply articulates how behavior is influenced in the moment and shaped over time—within the system.Now, here's the B.I.G. claim:UBM is falsifiable.In science, that's the gold standard.(Period.)If a theory can't be tested or broken, it's just storytelling. Worse yet, Karl Popper would say it's non-science.What's his core claim? Science and non-science are divided by a single demarcation: Falsifiability.UBM asks—check that, insists—“Go for it… Please try to break me.”Apparently, no other behavior model—certainly not a unified one—has ever done that.Kind of interesting? Maybe just a bit?Worth mentioning, at least?Or dedicating, I don't know… twenty-plus years to uncovering?UBM/BES Comparison Table & Major Prevalent Models as provided by DeepSeek.According to Dr. Karl Popper—and as noted in the Stanford Encyclopedia of Philosophy, “Karl Popper is generally regarded as one of the greatest philosophers of science of the twentieth century”—if a theory can't be tested (or broken), it's just storytelling. Worse, he'd call it “non-science.”Just to be clear: that's Dr. Popper, philosopher and trained psychologist, who introduced the idea of falsifiability (and gave us that delightful bit with the Black Swan).So yeah—if you can't at least attempt to break it, he says, it doesn't count.UBM is so confident in its falsifiability that it's offering a $1,000 reward to the first person to prove there's a missing fifth element—one that isn't reducible or emergent. (See below and bottom for official entry details.)So far: nearly 500 downloads and…Nada. Zip. Zilch. NOTHING.Even the world's top AIs—ChatGPT, Gemini, Claude, Grok, DeepSeek—took their shots.They've all struck out. Attempts include: Time (environmental), Consciousness (emergent from the system), Willpower (embodied environment), Self-Organization (embodied environment—note the “self” in self-organization).The list goes on, and it's kind of funny. Google's Gemini, for example, offered a “someday” quantum property we don't even know of yet.Seriously.Just to be clear: if we don't know of it yet, and we can't test it—it's not a valid fifth element.DeepSeek's parting words? Also comical...“UBM 1. DS 0... Game respects game.”And, here's Gemini's best response after half dozen attempts…Gemini tries desperately to break the Unified Behavior Model and fails.The difficulty in falsification, as intended by the model's design, is a powerful indicator of its conceptual strength and it's potential to serve as a TRULY UNIFYING FRAMEWORK FOR BEHAVIORAL SCIENCE. ~Gemini 8/4/2025Some have argued, “Well, UBM is overly simplified.”Really?Then why hasn't anyone discovered it before—or more accurately, uncovered it and brought it to light?Surely, by now—150 years in—some behavioral scientist, somewhere in the world, would've presented this kind of systematic “oversimplification,” right?Let's go over that one more time:“Science may be described as the art of systematic oversimplification.” ― Karl PopperThis is precisely Dr. Popper's point: science progresses by oversimplifying—systematically.Voila: UBM.

Loyalty matters—but only if it's worth something to the traveler. In this episode of#NoVacancyNews, Glenn Haussman sits down with Elizabeth Von Tersch, Senior Travel Editor at U.S. News & World Report, to reveal he just-released rankings of the best hotel rewards programs for 2025–2026.

One week ago at the closing session of the Turning Point USA Conference in Tampa, Charlie Kirk moderated a debate between two conservative Americans with starkly different perspectives on the value of Israel as an ally of the U.S.A. Writer and commentator, Josh Hammer, spoke for the proposition that America and Israel are countries aligned in values and ideology. Dave Smith - a recently famous comedian and libertarian who has become a darling of the talk show circuit (Joe Rogan and Piers Morgan in particular) - represents the conservative isolationist camp. An “as a Jew” Jew, Dave opines on matters about which he has thin knowledge. His bottom line: Israel has nefariously influenced and taken control of American foreign policy. Domestic policy too, for that matter. Hammer, more grounded in knowledge and fact, explains that military support and alliances are necessary for a strong and principled America. And Charlie does a great job to manage the discussion. Some of the things that Dave says - and with confidence and pride - are astonishing. Like that America has no problem with Iran. And Iran has no problem with America. “I mean, geez”, he says, “Iran is a third world country and no threat to us”. For real. It's a fascinating discussion. I learned a lot about this emerging and growing isolationist movement among conservative Americans - some of whom are turning sharply on Israel. It's a fiery debate.State of Tel Aviv is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.Josh Hammer is the author of the new book, Israel and Civilization: The Fate of the Jewish Nation and the Destiny of the West. He is the senior editor-at-large of Newsweek, a syndicated columnist, and a fellow with the Edmund Burke Foundation and the Palm Beach Freedom Institute. He also hosts The Josh Hammer Show, a Newsweek podcast and syndicated radio show. A frequent pundit and essayist on political, legal, and cultural issues, Josh is a constitutional attorney by training and additionally serves as senior counsel for the Article III Project.Josh has been published by the Los Angeles Times, the New York Post, The Telegraph, the Daily Mail, U.S. News & World Report, National Review, First Things, National Affairs, American Affairs, the Claremont Review of Books, The New Criterion, City Journal, Public Discourse, Tablet Magazine, Deseret Magazine, The Spectator, Fortune, Fox Business, The Times of Israel, The Forward, and the Jewish Journal. His legal scholarship has been published by the Harvard Journal of Law & Public Policy and the University of St. Thomas Law Journal. Josh is a college campus speaker through Young America's Foundation and the Intercollegiate Studies Institute, and a law school campus speaker through the Federalist Society.Josh graduated from Duke University, where he majored in economics, and from the University of Chicago Law School. He lives in Florida with his wife and daughter, and he also remains an active member of the State Bar of Texas. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.stateoftelaviv.com/subscribe

In the trial against Sean “Diddy” Combs, his former girlfriend, Cassie Ventura, is expected back on the stand this morning after a day of explosive and emotional testimony. Also, catching up with Conan O'Brien on his Kennedy Center award and Netflix travel show. Then, an exclusive reveal of U.S. News & World Report's best over-the-counter medicines and health products.

These are the healthiest diets, according to experts from across the medical, nutrition, and culinary fields.   Dahlia Marin, a certified gastrointestinal nutritionist and registered dietitian, is among the panel of experts to compile the rankings for U.S. News & World Report's Best Diets for 2025. She shares the lengthy process that determined the rankings, and which diets proved to be the healthiest.   Marin also shares insight on why many of the top scoring diets are plant predominant.   Diet's Mentioned   - Plant-Based Diet - Mediterranean Diet - Ornish Diet - Flexitarian Diet - Pritikin Diet - Dr. Wiles Anti-Inflammatory Diet - Low FODMAP Diet - Gluten-Free Diet   — In this interview —   U.S. News & World Report Diet Rankings: The rigorous process of evaluating 38 different diets based on consumer feedback and expert analysis.   Consumer Insights: The panel considered responses from 3,500 consumers regarding their motivations for dieting, such as weight loss and health improvement.   Top Diets: The Mediterranean Diet is noted as the best overall diet, according to the U.S. News & World Report rankings. Other popular diets include the Ornish Diet and the Flexitarian Diet.   Specific Diets for Conditions: Discussion on diets like the low FODMAP diet for IBS and the gluten-free diet for celiac disease.   Personal Bias: Marin reflects on how she managed her personal biases while evaluating diets that may not align with her own plant-based philosophy.   — — SHOW LINKS — — Join Chuck and Dr. B in Miami https://www.pcrm.org/events/bon-voyage-party-2025 — — — Dahlia Marin, RDN Courses and Appointments: https://www.marriedtohealth.com Gut Health Summit: https://bit.ly/GutHealthExperience2025 Instagram: https://www.instagram.com/marriedtohealth — — — Best Diets for 2025 Website: https://health.usnews.com/best-diet/best-diets-overall — — — Free Athlete Nutrition E-Book https://www.pcrm.org/athlete — — BECOME AN EXAM ROOM VIP — — https://www.pcrm.org/examroomvip — — THIS IS US — — The Exam Room Podcast Instagram: https://www.instagram.com/theexamroompodcast — — — Chuck Carroll Instagram: https://www.instagram.com/ChuckCarrollWLC Facebook: http://wghtloss.cc/ChuckFacebook X: https://www.twitter.com/ChuckCarrollWLC — — — Physicians Committee Instagram: https://www.instagram.com/physicianscommittee Facebook: https://www.facebook.com/PCRM.org X: https://www.twitter.com/pcrm YouTube: https://www.youtube.com/user/PCRM Jobs: https://www.pcrm.org/careers — — SUBSCRIBE & SHARE — — 5-Star Success: Share Your Story Apple: https://apple.co/2JXBkpy​​ Spotify: https://spoti.fi/2pMLoY3 Please subscribe and give the show a 5-star rating on Apple Podcasts, Spotify, or many other podcast providers. Don't forget to share it with a friend for inspiration!