Podcasts about Northern Illinois University

Our guest is ⁠Barry Deck⁠, graphic designer and typographer known for creating Template Gothic and serving as the final art director of Ray Gun Magazine.In this episode, Barry speaks with host ⁠Christian Solorzano⁠ about his unexpected journey from theater student to design icon, beginning with his discovery of graphic design while wandering the dorms at Northern Illinois University. He shares insights about his transformative years at CalArts under Ed Fella's mentorship and how vernacular inspiration led to the creation of Template Gothic—one of the most influential typefaces of the 1990s.Barry discusses his role reshaping Ray Gun magazine's visual identity, his collaboration with Thirst Type, and the experimental typography movement that defined an era. He opens up about how meditation and yoga have profoundly shaped his creative practice, offering candid perspectives on confidence, imposter syndrome, and what he calls his "easy knowingness."The conversation explores Barry's thoughts on AI as a creative tool, his experience teaching design students in suburban Florida, and why he believes designers need to venture beyond comfortable environments to develop their visual vocabulary. Barry also reflects on Chicago's influence on his work, his recent website redesign, and his philosophy that embracing all parts of yourself creates a more compelling creative package.Music by the band ⁠Eighties Slang⁠.

Send us a textCorrine Wickens talks to us about self-efficacy and identity, teaching as coaching and a translational act, and challenging our assumptions. Corrine is known for her work in the areas of adolescent literacies, disciplinary literacies, and gender and sexuality. Her research interests examine issues of ongoing discourses around sexuality and schooling, gender and sexual characterizations in contemporary young adult literature, and disciplinary-based literacies in secondary teacher education. Her work has appeared in journals like TESOL Quarterly, Children's Literature Association Quarterly, Voices from the Middle, Journal of Adolescent and Adult Literacy, Urban Review, Journal of Teaching Physical Education, Sex Roles, and International Journal of Qualitative Studies in Education. Dr. Wickens is currently a professor of literacy education and serves as the doctoral program coordinator in the Department of Curriculum and Instruction at Northern Illinois University.To cite this episode: Persohn, L. (Host). (2025, May 13). A conversation with Corrine Wickens. (Season 5, No. 10) [Audio podcast episode]. In Classroom Caffeine Podcast series. https://www.classroomcaffeine.com/guests. DOI: 10.5240/C98D-5781-A685-2545-D3D1-0 Connect with Classroom Caffeine at www.classroomcaffeine.com or on Instagram, Facebook, Twitter, and LinkedIn.

James Edward Kamis is a retired Geologist with forty-two years of experience. He has a Bachelor of Science degree in Geology from Northern Illinois University and a Master of Science degree in Geology from Idaho State University. More than forty-six years of research has convinced him that geological forces significantly influence, or in some cases, completely control climate, and climate-related events as per his Plate Climatology Theory.00:00 Introduction to the Mysterious Drone Lights00:21 Geological Explanation for the Lights02:26 Continental Drift and Rock Stress04:46 Earthquakes and Light Sightings07:23 Heat Emissions and Hydrothermal Vents12:50 Quartz and Energy Pulses20:05 Historical and Recent Sightings26:01 Government and Military InvolvementJune 2023 book by James E. Kamis: “Geological Impacts on Climate”  https://a.co/d/2x9bJeLKamis' website: https://www.plateclimatology.com/YouTube: https://www.youtube.com/@plateclimatology4845=========AI summaries of all of my podcasts: https://tomn.substack.com/p/podcast-summariesMy Linktree: https://linktr.ee/tomanelson1

Ernest Plange Kwofie drops by the studio to discuss ASEAN, or the Association of Southeast Asian Nations. Kwofie talks about the interpersonal politics of the organization and how it differs from similar Western organizations like the European Union. He looks at the organization's effectiveness in responding to threats as well as its ability to implement and enforce policies within its member nations. Ernest Plange Kwofie is a PhD candidate in the Department of Political Science specializing in comparative politics and international relations at Northern Illinois University.

2000 called and wants its phone book back. And now it's in the hands that last touched it 25 years ago. Join Northern Star reporters past and present as they relive the past and plan for the future through a time capsule in a wall at Northern Illinois University.

Today's guest is René Vidal, head coach of Northern Illinois University's men's tennis team and a published author. With a dynamic coaching style and an unstoppable drive for excellence, René embodies a rare spirit of leadership that ignites transformation both on and off the court. His passion, energy, and commitment to greatness have set him apart — and today, we're uncovering the powerful mindset and principles that make him a true force of inspiration.”

Willy Roy is a US Soccer Legend. Inducted into the US Soccer Hall of Fame in 89', Willy's path, experiences, and other passions (including Wrestling) are incredible. A class act that gave back to the game as the coach at Northern Illinois University after his playing days, he now watches as his son carry's the baton in his hometown of Chicago! #nasl #usmnt #soccer #german #chicago #stlstars #patmcbride Learn more about your ad choices. Visit megaphone.fm/adchoices

Download and use the hottest cooking app out now COOKLKEME!Founder and Creator, Nard, makes his unapollagetic debut and discusses his new cooking app COOKLKEME which is live everywhere. Nard tells us about his love for cooking and food. How this app came about and how it is different from any other. Nard, also expounds on his entrepreneurial ventures across the country and how he gets his hand in anything that make him money. Nard, a west side of Chicago native, attended the Northern Illinois University, has a masters degree, talks about how college is useful and how to manage without going to college. We also talk to him about love and haters in this fun and informative show. 

Today's episode focuses on implementing automation systems in your transportation business with Revenova's co-founder, Michael Horvath! Mike talks about the integration of AI in the industry and its practical applications, highlighting its potential to automate up to 95% of a broker's daily tasks, which allows professionals to prioritize relationship-building while competing effectively without extensive staffing, the importance of data security, the need for AI capabilities to be seamlessly-integrated within existing systems, and how AI can assist with tasks such as CRM updates and research, without replacing essential human interactions!   About Michael Horvath Michael Horvath is the COO and co-founder of Revenova. The company provides CRM-powered transportation management solutions (TMS) for freight brokers, 3PLs, carriers, and shippers. Founded in 2014, Revenova customers include a wide range of midmarket and enterprise customers, including some of the largest 3PLs in North America. He is responsible for the company's overall go-to-market and product strategy. Prior to Revenova, Michael co-founded Forseva, a company that developed the first credit and collections management application suite native to the salesforce platform, and served as CMO and EVP until the company was acquired by Equifax in 2014. He built his path to entrepreneurship through successful tenures at several high-tech companies, including NCR, Quintus Corporation, AVAYA and Cortera. Michael is a graduate of Northern Illinois University.  

For this episode of The Gateway, we are excited to welcome Samarth Shiramshetty, Samarth is a Northern Illinois University graduate student pursuing a degree in Management Information Systems. During Samarth's time at NIU, he has been able to pursue a plethora of opportunities---one including TreeHacks where Samarth's team won the education area with their development of HiveMInd.

On this episode of The Channel, we're bringing you a full episode from our friends over at Southeast Asia Crossroads, a podcast from the Center for Southeast Asian Studies at Northern Illinois University. We at IIAS have frequently crossed paths with members of the team behind Southeast Asia Crossroads, and we've long wanted to do re-post one of their episodes on our feed. A perfect opportunity arose when an episode from last September featured Taylor Easum for a group discussion of his latest book, Chiang Mai between Empire and Modern Thailand: A City in the Colonial Margins. Easum is an Associate Professor of History at Indiana State University, and as some of you may know, the book under discussion is part of our “Asian Cities” book series, published by IIAS and Amsterdam University Press. As you'll hear, the podcast features rigorous, engaging, but also fun discussions on a wide array of topics pertaining to the Southeast Asia, so we encourage our listeners to go and subscribe to Southeast Asia Crossroads! Hosted on Acast. See acast.com/privacy for more information.

Tonight's Guest WeatherBrain is one of the most respected voices in the field of broadcast meteorology. He celebrated his 45th anniversary with WGN-TV in August 2023, and officially retired from WGN-TV at the end of February 2024.  Tom Skilling, it's great to see you tonight!   Meteorologist and Former Director of NWS (2013-2022) Louis Uccellini also joins us tonight as a Guest Panelist. He was also director of the National Centers for Environmental Prediction and served as the Permanent Representative of the United States for the World Meteorological Organization.  Thanks for joining us tonight, Louis!    Joining us as Guest Panelist is a brilliant researcher and recently tenured Professor in the Department of Earth, Atmosphere, and Environment at Northern Illinois University. His research umbrella covers a wide range of topics related to severe weather, particularly the relationship between severe convective storms and climate change by utilizing dynamical downscaling.  Dr. Victor Gencini, welcome to the show! Also, Bruce Jones joins us to discuss the importance of NOAA Weather Radio and its integration in order to save lives.  Welcome back, Bruce! Our email officer Jen is continuing to handle the incoming messages from our listeners. Reach us here: email@weatherbrains.com. New Panelist Introduction (05:15) 1990 Plainfield tornado tragedy (18:00) Lack of feasibility to privatize government warning systems for severe weather (25:00) Writing on the wall with budget cuts/staffing reductions and concerns for working in Government Sector/NOAA (41:00) Losing younger scientists to the private sector (55:45) November 17th, 2013 Washington, Illinois Tornado (01:00:30) Long-term budget concerns (01:05:00) Importance of not losing upper-air data when assimilating a public forecast (01:08:00) Development of global radiosonde network (01:20:00) Final thoughts on uncertain times in the industry (02:01:00) Inexpensive cost to taxpayers for NOAA's forecasts and services (01:53:00) The Astronomy Outlook with Tony Rice (No segment this week) This Week in Tornado History With Jen (01:54:57) E-Mail Segment  National Weather Round-Up and more! Web Sites from Episode 1001: Midland Weather Radio Victor Gensini, PhD, CCM on X Tom Skilling on X Picks of the Week: Bruce Jones - Foghorn James Aydelott - James Aydelott on X: "Twisters" Sequel? Jen Narramore - Germantown Regional History and Genealogy Center Rick Smith - 2024 Severe Weather Year In Review Troy Kimmel - Foghorn Kim Klockow-McClain - Foghorn John Gordon - Foghorn Bill Murray - Foghorn James Spann - NSSL Severe Convection and Climate Research The WeatherBrains crew includes your host, James Spann, plus other notable geeks like Troy Kimmel, Bill Murray, Rick Smith, James Aydelott, Jen Narramore, John Gordon, and Dr. Kim Klockow-McClain. They bring together a wealth of weather knowledge and experience for another fascinating podcast about weather.

For this episode, The Gateway is excited to welcome Ashley Bartelt. Ashley is the Program Director of the HASC Writing Center at Northern Illinois University. With a background in nonprofit administration, retail, and higher education, she has spent over a decade supporting students, faculty, and staff with their academic and professional writing. As part of her current role, she explores how generative AI can be a powerful tool for streamlining writing processes while emphasizing the critical skill of assessing and refining AI-generated work to ensure accuracy, quality, and effectiveness.

21 year old Donna Doll was a Russian language student at Northern Illinois University in DeKalb. At 9.59pm on October 2nd 1970 she left the campus library where she worked a part-time job and was never seen alive again. Nine days later her fully clothed body was found in a field just outside town. The manner and cause of death was unclear but the case was treated as a murder investigation.  Investigators were presented with a myriad of puzzling details, not least the fact that over 2kg of potatoes was found in Donna's stomach contents.Sources for the episode can be found hereSupport the showFollow Persons Unknown: Instagram and FacebookEmail: personsunknownpod@gmail.comWebsite with Transcripts:https://personsunknown.buzzsprout.com/

Anies Baswedan is the former Indonesian Minister of Education and Culture (2014–2016) and former Governor of Jakarta (2017–2022). More recently, he ran as a presidential candidate in the 2024 Indonesian general election. He holds a PhD in Public Policy from Northern Illinois University, a Master's degree from the School of Public Policy at the University of Maryland, and a Bachelor's degree in Economics from Universitas Gadjah Mada. In 2023, he was appointed to the board of the Asia Research Center at the University of Oxford.Timestamps:0:00 — Life in Maryland, Illinois & DC. What does Anies miss from life in the United States?9:43 — Moving back to Indonesia after life abroad19:08 — Being the only brown Muslim Indonesian kid living with a white family in Milwaukee, speaking in churches to an audience of white people25:51 — Advice for international Indonesians abroad: Hangout with non-Indonesians! Addressing Indonesia's lack of global presence and global comprehension40:05 — The role Indonesian international students play on the global stage, and advice for when Indonesians travel58:40 — Continue to VIP Section58:54 — The importance of speaking an international language, addressing the narrative that speaking English makes you less patriotic, and how did Anies learn English?01:21:36 — Closing, aspirations for Indonesia, and recommendations for LPDP reformationAccess the full episode on NOICE: https://open.noice.id/catalog/dc1dfd52-27f1-4e82-853c-275f33544f22?utm_source=app_sharing&referrer_id=e7d9d677-a918-42b1-a718-805fcf608cdf&utm_medium=podcast 

Michael Wesa is a seasoned leader with over 20 years of experience in the construction industry. He spearheaded the growth of MKD Electric, a leading national industrial electrical contractor founded in Illinois, driving the company's expansion from $10 million to $150 million in revenue before a successful exit. Throughout his career at MKD, Michael gained hands-on experience through various roles, including Apprentice Electrician, Operations Manager, Business Development Manager, CFO, Vice President, and ultimately, President. During his time at MKD, Michael identified a need for a specialized, high-touch service provider in construction staffing and recruiting. This insight led him to establish Leapros, a full-service national staffing and recruiting agency. Following his exit from MKD Electric, he now serves as the CEO of Leapros, guiding its growth and operations.Michael holds a Bachelor of Science in Business Management from DePaul University and an MBA from Northern Illinois University, combining practical industry expertise with strong a strong entrepreneurial spirit to drive successful business outcomes. Michael has also been a member of ABC for many years and has been proud to serve in many capacities. Michael Wesa - https://www.leapros.com/Comment your thoughts below and don't forget to like, SHARE, and subscribe!Sign up for Dillon Mitchell's Straight Shooting Construction Letterhttp://kowabungastudios.hubspotpagebuilder.com/constructionletterConnect with Dillon MitchellLinkedIn - https://www.linkedin.com/in/dillon-mitchell-kowabungastudios/Instagram - https://www.instagram.com/dillonAMitchell Kowabunga Studios - https://www.kowabungastudios.com/ Instagram - https://www.instagram.com/kowabungastudios/Facebook https://www.facebook.com/kowabungastudiosWant to speed up your Revit production and take your time back?https://www.kowabungastudios.com/products/

Your Creative Mind Table Read: What if Odysseus had to answer for his choices? A playwright dares to ask. What if the women of The Odyssey had the final say? In this episode of Your Creative Mind, we bring you Odysseus's Women by Luke Krueger—a powerful reimagining of the Greek epic where the legendary hero faces judgment from the women he left behind. You'll hear this gripping story come to life in our table read, followed by an insightful conversation with Luke and the actors about writing, performance, and the power of retelling myths through a modern lens. Whether you're a writer, performer, or someone who loves bold storytelling, this episode offers inspiration, fresh perspectives, and a front-row seat to a play that challenges everything we thought we knew about Odysseus. Luke Krueger, Playwright, as Odysseus Luke Krueger lives in Vermont with his two young daughters, who help him make maple syrup from their trees. Luke's plays have been performed around the US and Canada. In 2006, he was the first playwright to be named the Emerging Writer-in-Residence at Penn State-Altoona. His plays are published by Playscripts, Inc.; Next Stage Press; and Original Works Publishing. His short play, "The Sad Funeral" (which debuted at the Source theatre) will be published in the upcoming edition of the Long River Review (University of Connecticut). As an actor he performed in the Arizona Premiers of The Laramie Project and This Is Our Youth; he last played Rev. Hale in The Crucible. Luke holds an MFA in Creative Writing from Arizona State University and a BA in English from Miami University (Ohio). He is a member of the Dramatists Guild    Luke has been on the English and/or Theatre faculty at Arizona State University, Lake Forest College, Loyola University, and Northern Illinois University. Currently he works for a local school supervisory union as an investigator for hazing, harassment, bullying, and title nine complaints; and he is a restorative programs coordinator. Outside of work, Luke is a member of his town's volunteer firefighting department.   Luke's Plays: https://www.playscripts.com/play/2450?srsltid=AfmBOorWd0XyG8ouhLtlH4WW3D0i3ghIvBDtaIjaQy-hcnAvarhCyYqz   Other plays and the U-Haul book: https://www.amazon.com/stores/Luke-Krueger/author/B001JRVAOS?ref=ap_rdr&isDramIntegrated=true&shoppingPortalEnabled=true   Canterbury Tales adaptation: https://next-stage-press.myshopify.com/products/canterbury-tales-the-digital-version     Izolda Trakhtenberg as Kalypso, Circe, Penelope, and the Women Izolda Trakhtenberg is a playwright, scriptwriter, author, and voice actor who brings stories to life across stage, screen, and sound. Her plays Expiration Date (Off Broad Street Play Festival semifinalist) and A Slice of Democracy (produced by Nomad Theatre) challenge and engage audiences. She narrates corporate and educational projects like NASA's Breathable: A Story About Air Quality, animations, and commercials, with audiobook credits including The Ghost Next Door and Ocean City Lowdown. As host of The Your Creative Mind Podcast, she explores creativity's power to transform lives. A published author of fiction and non-fiction, her works include Die By The Sword, book one in the Cassie Belmont Tarot Card Thrillers. Izolda blends storytelling and communication expertise to create work that resonates long after the final word. Connect with Izolda Website: https://IzoldaT.com BlueSky: https://bsky.app/profile/izoldat.bsky.social. Book Your Discovery Call: https://calendly.com/izoldat/discovery-call New Play Exchange: https://newplayexchange.org/users/90481/izolda-trakhtenberg Submit a Play to the Your Creative Table Read Podcast Series One Minute Movies A Close Shave Career Suicide Diz Wit   This episode is brought to you by Brain.fm. I love and use brain.fm! It combines music and neuroscience to help me focus, meditate, and even sleep! Because you listen to this show, you can get a free trial and 20% off with this exclusive coupon code: innovativemindset. (affiliate link) URL: https://brain.fm/innovativemindset It's also brought to you by my podcast host, Podbean! I love how simple Podbean is to use. If you've been thinking of starting your own podcast, Podbean is the way to go!**   Flip Your Inner Script to Stop Negative Thoughts From Ruining Your Day. Are you getting anything out of the show? I'd love it if you would buy me a coffee.   Listen on These Channels Apple Podcasts | Spotify | Stitcher | Podbean | MyTuner | iHeart Radio | TuneIn | Deezer | Overcast | PodChaser | Listen Notes | Player FM | Podcast Addict | Podcast Republic |  

Dr. Kanjana Thepboriruk is joined by Dr. Paul Wright, Paolo Eslava, and Dr. Jeremy Bulter to discuss physical education in a Southeast Asian Context. The guests share their experiences as practitioners of SEA martial arts and the contributions SEA martial arts have on their professional and personal lives. They reflect on the history of Southeast Asian combat sports and how the competition has evolved due to standardization in the past few decades. Dr. Paul Wright is a Professor of Kinesiology and Physical Education at NIU. His research specializes in Youth Development and social-emotional learning. Paolo Eslava is a graduate student in athletic training at Northern Illinois University. He was the former strength and conditioning coach for the Philippines Pencak Silat National Team. Dr. Jeremy Bulter is the Associate Director of Project FLEX, a sport-based leadership program that teaches life skills through sport to positively impact the lives of incarcerated youth, and an Adjunct Professor of Kinesiology and Physical Education at NIU.

Many people struggle to speak up about their mental health needs, even when their treatment isn't working. Why does self-advocacy feel so daunting?   In this episode of The OCD Whisperer Podcast, host Kristina Orlova welcomes Jonathan Teller, a third-year clinical psychology PhD student at Northern Illinois University. Together, they explore the challenges of self-advocacy in healthcare and why it's such an important skill for navigating mental health treatment.   Jonathan shares thoughtful insights on overcoming barriers like fear of judgment or limited resources. From writing down concerns before appointments to involving trusted loved ones in therapy sessions, he offers practical strategies for making your voice heard. If accessing care feels out of reach due to financial or geographical limitations, they discuss creative solutions like self-study tools, free resources, and online communities.   They also dig into the bigger picture: why treatment is just the beginning of the journey and how continued effort, especially after intensive programs, is key to lasting progress.   This episode is packed with actionable advice and compassionate perspectives to empower you to take control of your mental health.   Ready to find your voice and take the next step? Tune in now! In This Episode [00:00:03] Introduction to the podcast [00:01:18] Importance of self-advocacy [00:02:34] Barriers to self-advocacy [00:04:54] Strategies for effective communication [00:07:02] Accessing mental health care [00:10:02] Researching treatment options [00:11:39] Understanding levels of care [00:14:10] Challenges with insurance and treatment [00:15:29] Continuing care after treatment [00:18:09] Balancing family concerns and autonomy [00:18:22] The importance of education in OCD [00:19:35] Exploring treatment options [00:20:36] Flexibility in seeking help [00:22:31] Utilizing digital resources [00:22:59] Recommended podcasts [00:24:13] Feeling connected through stories [00:25:06] Closing remarks and resources   Notable Quotes [00:02:00] "When I think of self-advocacy in healthcare settings, I think, for example, if one is in treatment for mental health and they are receiving a specific type of therapeutic intervention, and that intervention might not be working for them, it could be very difficult for the patient to speak up and say to the clinician, 'Hey, is it possible for us to try a different type of therapy modality?'" - Jonathan Teller   [00:04:00] "I think there are internal and external barriers to self-advocacy. Internal barriers could be anxiety—'If I speak up, maybe I'll insult the therapist'—while external barriers could be family members, insurance, and other systemic factors." - Jonathan Teller   [00:05:00] "One option for patients is to write down their concerns before a session. If they don't feel comfortable sharing them out loud, they can hand the clinician a sheet of paper. That might be easier than speaking directly." - Jonathan Teller   [00:06:00] "I'm a big fan of writing things down. My mom used to prepare pages of questions before seeing her doctor, and I used to make fun of her for it. But in hindsight, I realize how valuable it is—it helps you think through what you want to get out of the appointment." - Kristina Orlova   [00:08:00] "If you have health insurance, you can call your provider and get a list of different clinicians in your area who take your insurance. If you don't, looking for pro bono work or online resources could be a starting point." - Jonathan Teller   [00:13:00] "There's a common misconception that when one goes to a residential treatment facility and they leave, the work is done. But the work has really only started." - Jonathan Teller   [00:17:00] "There's a big misconception that once you complete a treatment program, you're done. But OCD is a lifelong condition, and the real work begins when you leave treatment and start applying the tools in everyday life." - Kristina Orlova   [00:18:00] "Education is critical for both patients and their families. Loved ones often accommodate compulsions because they think it's the right thing to do. But once they understand OCD and how accommodation maintains symptoms, they can start making real changes." - Jonathan Teller Our Guest Jonathan Teller is a third-year clinical psychology PhD student at Northern Illinois University, specializing in the study of anxiety and obsessive-compulsive disorders (OCD). His research focuses on uncovering the factors and mechanisms that influence the onset and maintenance of these conditions. With a strong interest in evidence-based practices, Jonathan is dedicated to exploring ways to enhance the effectiveness of cognitive behavioral therapy (CBT) and exposure and response prevention (ERP) therapy to improve clinical outcomes.   Beyond his research, Jonathan is deeply committed to expanding access to mental health care and breaking down the stigma surrounding mental health. He is a passionate advocate for education and awareness, striving to create a world where mental health care is accessible, equitable, and understood. Jonathan's work bridges the gap between research and practice, aiming to make meaningful contributions to both the scientific community and those seeking support for their mental health.   Resources & Links   Kristina Orlova, LMFT https://www.instagram.com/ocdwhisperer/ https://www.youtube.com/c/OCDWhispererChannel https://www.korresults.com/ https://a.co/d/fMT6vte Jonathan Teller https://www.linkedin.com/in/jonathan-teller-53276a223 Article Published by University of Richmond 2022 Research Article Published on OCPD Mentioned  Sneaky Rituals with Jenna Overbaugh ICBT with Kristina Orlova and Christina Ennabe OCD CBT Journal Tracker and Planner OCD Family Podcast Light Up the Couch Podcast The Anxiety Coaches Podcast OCD Stories Podcast Disclaimer Please note while our host is a licensed marriage and family therapist specializing in OCD and anxiety disorders in the state of California, this podcast is for educational purposes only and should not be considered a substitute for therapy. Stay tuned for biweekly episodes filled with valuable insights and tips for managing OCD and anxiety. And remember, keep going in the meantime. See you in the next episode!

Jerry is the CEO of DELTA POINT in Scottsdale, Arizona. DELTA POINT works with company leaders to implement innovative ways to market and be effective in today's crowded marketplace. Their client list includes 20 of the top 100 companies in the world. Jerry was Vice President and General Manager of Hoechst Pharmaceuticals prior to its merger with Marion Merrell Dow. In his twenty-year career at Hoechst Pharma, Jerry was Salesman of the Year twice and District Manager of the Year three times. Jerry has been featured on MSNBC and the ABC Radio Network as well as in The Street.com, Wall Street Journal online, Fortune, Sales and Marketing Management Magazine, Investor's Business Daily, Managed Care Pharmacy Practice, Fast Company, Selling Power, and, Selling Power Live. He has been to the White House to share his views on healthcare reform and taught at The Batten School of Leadership at The University of Virginia. He has been an Executive in Residence at Northern Illinois University 17 times and in his spare time, he mentors 3 Division I college basketball coaches. For over 20 years, he has spoken and consulted extensively on building valuable business relationships, and excellence in sales-driven organizations with a focus on leadership, sales excellence, developing winning cultures, and how to coach sales excellence. Jerry is currently rated as the 4th best Sales Expert in the world by Globalgurus.org and has been in the top 10 in the world for 8 years. Jerry is the author of 5 books and his latest book is a Wall Street Journal Best Seller, The New Model of Selling – Selling to an Unsellable Generation. His first book, The Relationship Edge in Business published by John Wiley and Sons is used by 7 Universities in their Marketing Curriculum. Connect with Jerry here: https://www.linkedin.com/in/jerryacuff https://www.facebook.com/jerry.acuff.7 https://jerryacuff.com Don't forget to register for our FREE LinkedIn Workshop here: https://www.thetimetogrow.com/the-linkedin-client-journey-workshop

1.7.2025 #RolandMartinUnfiltered: META Ends Fact Checking, Booming Black Businesses, VP Harris Honors Pres. Jimmy Carter Meta is ending its fact-checking program with trusted partners and replacing it with a community-driven system similar to X's Community Notes. A conservative legal group has filed a civil rights complaint against Northern Illinois University for its Black Student Achievement and Black Male Initiative program. Black businesses have boomed under the Biden Administration. Isabella Casillas Guzman, the Administrator of the Small Business Administration will be here to explain the historic new trend. Vice President Kamala Harris pays tribute to President Jimmy Carter as he lies in state at the U.S. Capitol. And Botswana is under new leadership. I'll talk to the U.S. Ambassador about the country's new direction. #BlackStarNetwork partner: Fanbasehttps://www.startengine.com/offering/fanbase This Reg A+ offering is made available through StartEngine Primary, LLC, member FINRA/SIPC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. You should read the Offering Circular (https://bit.ly/3VDPKjD) and Risks (https://bit.ly/3ZQzHl0) related to this offering before investing. Download the #BlackStarNetwork app on iOS, AppleTV, Android, Android TV, Roku, FireTV, SamsungTV and XBox http://www.blackstarnetwork.com The #BlackStarNetwork is a news reporting platforms covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Gail Sussman-Miller founded Inspired Choice in 2001. She took the title of Chief Obstacle Buster which describes her perfectly. Gail lived her entire life in Chicago Illinois until she and her husband moved to Sarasota Florida in 2019. While Gail grew up thinking she should be a teacher along the way she decided she did not wish to teach youngsters. She recognized that her talents were put to better use teaching and coaching adults. She makes it quite clear that she has fun and great joy working with adults. She will say that some people want to be coached and some who think coaching for them is not necessary. I would say that Gail urges people to approach the coaching experience with an open mind. She is, as you will hear, quite successful at her work. About the Guest: Gail Sussman-Miller, Chief Obstacle Buster at Inspired Choice, helps women leaders leverage, rather than squelch, feminine power and abilities they don't realize they possess, so they live their most authentic, joy-filled life. She is an expert at guiding women to deliberately choose their thoughts and beliefs to design desired experiences and results. Gail's techniques shape new perspectives that reduce stress, discomfort and procrastination which increases decisive action, inner peace and resilience amidst the uncertainty of life. The bottom line is increased freedom and more joy! Clients find Gail's perspective-shifting techniques, practical tactical action steps, and spiritually-inspired wisdom indispensable. Her rare gift, shared by 7% of leaders assessed, is she senses and sees things few people see, speaks that truth and offers actionable ways for participants to thrive and fulfill their soul's desires. The biggest demand and focus of Gail's coaching is strengthening the efficacy and collaboration in challenging conversations and relationships by combining truth, authenticity, and vulnerability. Professional background. Gail has been teaching executives and women at all levels to turn obstacles into opportunities since 2001 as a coach, facilitator, speaker, and trainer. She received her training as a professional coach at the Coaches Training Institute (CTI) in 2001. Gail is certified in the EQi-2.0 emotional intelligence assessment by MHS, a well-known publisher of psychological assessments. Prior to founding Inspired Choice, Gail delivered computer job training for visually-impaired adults and spent 13 years at Andersen Consulting (Accenture) in Marketing, Knowledge Management and Technology Coaching. After a lifetime in Chicago, Gail made Sarasota, Florida her home in 2019. www.inspiredchoice.com Ways to connect with Gail: Gail@inspiredchoice.com www.inspiredchoice.com http://www.linkedin.com/in/gailsussmanmillerr https://www.facebook.com/GailSussmanMiller/ About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes: Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:21 Well, a pleasant hello to you. Wherever you happen to be today, you are listening to unstoppable mindset, and my name is Michael Hingson. You can call me Mike if you want. It's okay as well. I am the host of unstoppable mindset, and today we get to chat with Gail Sussman-Miller, who is are you ready? Here it comes, Chief obstacle. Buster, I love that, and she is the chief obstacle Buster at inspired choice, which is an organization that she founded. She has been a coach for, wow, 23 years. You started in 2001 I think you said, And so anyway, this will be a fun conversation. She's got lots to talk to us about, and we've been talking for the last few minutes about how to talk about some of the visual stuff to an audience that isn't necessarily going to see it. And that isn't because the people who aren't going to see it are blind. It's because they're not watching this, but listening to it on a podcast site, so you guys get to experience things the way some of the rest of us do. But anyway, Gail, welcome to unstoppable mindset. We're really glad you're here.   Gail Sussman-Miller ** 02:32 Thanks, Michael. I'm honored to be here, and I've had fun getting to know you as we get ready for this. Yeah,   Michael Hingson ** 02:39 well, and it's been good to get to know you and get a chance to really chat. Let's start, if we could by maybe you telling us sort of a little bit about the early Gale, growing up and some of that stuff, always a good way to start right. That could take an hour, but I'll leave it up to you. It reminds   Gail Sussman-Miller ** 02:54 me of the movie, I think was called the jerk that Stephen Martin was in, and he starts out saying, I was born a poor, black child. Started with his anyway, so I grew   Michael Hingson ** 03:10 up. I was born, I was born modest, some people have said, but it wore off. But anyway, you were born in Chicago, and I was born in Chicago.   Gail Sussman-Miller ** 03:20 Yeah, I grew up on north side, so yes, I'm a Cubs fan.   Michael Hingson ** 03:25 I was south side, and I still love the Cubs, Hopelessly Devoted   Gail Sussman-Miller ** 03:29 and lived my entire life actually in the city limits. Sometimes people say they're from Chicago to give people a reference, and they really live in the suburbs. So I loved, I would say all Yes, actually, all my residences were within two miles of Lake Michigan, and I love being near water. So grew up. I'm the the eldest of two girls, and close to my cousins, really great, close family. And then I went to college at Northern Illinois University, got a degree in teaching elementary and special ed at a time when there was a surplus of teachers, and I wasn't sure I wanted to do it as a career. And then I learned later in life that I love teaching, but actually prefer teaching adults. So it's been an interesting evolution of I would say most of my jobs were just good enough. I was one of millions who believed you live for Fridays and work is something you do to make money because you have to. And it wasn't until I was in my 40s that I found my ideal dream. Work, which is coaching and speaking and teaching, and I came home to a profession that I thought was just for me. It was perfect. It was great. And in the last five years, almost five years, we've been in Sarasota, Florida, made some permanent move and happy ever since, so   Michael Hingson ** 05:26 until you were in your 40s, were you teaching school or what were you doing? No,   Gail Sussman-Miller ** 05:30 I never became a teacher. It just wasn't. I didn't enjoy my student teaching. I did enjoy trying to parole and contain and control 2025 kids. I love children, so that was why I thought, Well, it's interesting. When I went to college, I had no strong calling for a profession, so I enrolled in teaching as the Lacher of evils, if you will. It just was like, well, compared to being a scientist, computer engineer, or you name it, this, I like kids and I like teaching, I just didn't like the combination.   Michael Hingson ** 06:15 So what did you do for jobs?   Gail Sussman-Miller ** 06:20 Oh, we'll see if I can remember, there was a period of time where I worked for an educational publisher, because I thought, Okay, I have a teaching degree. Maybe this will be interesting. It was not. I spent some time even working as a temp because I was good at computers and word processing, as it was called in the day. Yes, and it's so funny, Michael, I actually need my resume in front of me to tell you things in sequence. But the funny thing was, each thing led to something else. I think of my life as walking through a doorway and then going down a hall with lots of doorways, and then I choose another doorway, and that leads to another hall with doorways, and that's how I wound up where I am. So at one point, I think it might have been after the education publisher. There were, there were literally, I'm I'm being this is proof how meaningless some of my jobs were. But I did spend four years in Chicago at the chicago lighthouse at the time, called Chicago Lighthouse for the Blind and Visually Impaired. I think they've changed their name now, and I taught transcription skills and typing to adults who then went on to get jobs and get placed. And that was the most gratifying thing I did, and that's where I realized I much prefer teaching adults   Michael Hingson ** 08:01 you created a an interesting analogy, one that I subscribe to a lot. I think that each of us go through life making choices, and if you really sit down and think about it, you can trace your life back to and through the choices that you make. So you did a variety of things, and you discovered something with each choice and each thing that you went off and did, I can trace my life back because of the choices that I made. And I also studied teaching. I got a secondary teaching credential. And I actually thought of teaching, but then an opportunity to take a job in technology, actually working with Dr Ray Kurzweil and the National Federation of the Blind, with the development of the Kurzweil Reading Machine came along, and that led to working for Ray, and I was going to do human factors and continuing to do some of the work I did when we were all originally developing the first machine. But then after about eight months, I was confronted with a choice of either leaving the company or going into sales. And I decided, I love to tell people I lowered my standards from science and went into sales, which is not true, but I didn't lower my standards, as it turns out. But what I what I discovered, and I always liked teaching, I always liked explaining, and what I discovered was that the best salespeople are teachers. They're counselors. They really are involved in understanding what a customer's needs are, and then teaching that customer about how to get those results, hopefully with their products, I've had some situations where the product that we had wasn't the right solution, and of course, from. One standpoint that's an ethical issue to deal with. Do I say it's our product won't work, or do I still try to sell it? My belief has always been, you take the ethical choice and I are a few times where we specifically said our product won't work, but here's what will but whenever that occurred, we developed a level of trust that then led to other opportunities later on, but teaching people and really advising and counseling was something that I enjoyed, but I but I hear what you're saying about teaching adults. The question I would ask you is there are a lot of people who say that adults tend to be locked in and are much harder to teach than children. What do you think about   Gail Sussman-Miller ** 10:44 that? Oh, wow. I don't think that's ever it's funny in a way. I don't think that's ever crossed my mind.   Michael Hingson ** 10:54 It's like teaching language. You know, children learn language and additional languages.   Gail Sussman-Miller ** 11:00 Yeah, I would agree there. What I mean by that is, and what I thought you were going to ask me, so maybe I'll answer it anyway, is what I liked more about working with adults, and I like being able to hold the adult accountable and responsible for their learning and for asking questions, for speaking up, all of that. It depends, I suppose, if the adult, if the person I'm working with, wants to be in the training slash coaching learning situation or not are very there was only one period of time as a contractor where I was matched with people without my meeting them or knowing them. Normally, my clients come to me and then I get to we see if we have a fit in both ways. So there were a few times where people were assigned to me and didn't necessarily want to have coaching. But what I'm a master at is helping people look at their perspectives and shift them for their greater good. So it almost always worked out that I could say or get to help them see this is going to benefit you, whether you ask for it or not. And let's figure out what it is you would most like to get out of it. Yeah? So enlisting, yeah, enlisting them, engaging them. And then I, I don't think it's ever been a challenge. In my opinion,   Michael Hingson ** 12:36 my wife was a teacher for a number of years, and she liked teaching third graders more than older kids, because she said a lot of the older kids had already developed their attitudes, whether taught by their parents or whatever, and developed habits that weren't necessarily positive. And as a result, it was harder to work with them than it was to work with third graders, because third graders were at an age where she could get them to to think and to focus, and was able to get them to look at and hopefully learn the things that she was trying to Teach, whereas older kids she felt didn't do that nearly as well. So that was an interesting observation that she had. And eventually she she left teaching because, well, here's a story. She was going to do a Valentine's Day party for her class, and she made a deal with the students. The parents were going to bring goodies and they were going to come and all that in the park. That. And the party was supposed to start at two o'clock, and she made a deal with her students, and I don't know whether it was that morning or before, but she said, we'll start the party when you all get your work done. Okay? And everybody agreed. Well, at two o'clock, kids had been goofing off and so on, so the party didn't start. The parents had to wait outside, and it was like about 20 minutes late for the party to start. The kids finally finished the stuff they were supposed to do, and one parent pitched a real hissy fit and had her well, took her to the principal's office. The principal called her in and said, what's going on? The parents are not happy with what you did that day. And Karen brought the students in, who were the children of the parents, and the parents complained that she was too hard on the students and all that. And so Karen then said, Okay, kids, what was the arrangement that we had? And they all said we were supposed to get our work done before the party could start. Why didn't we start the party on time? We didn't get stuff done and that was it. You know, the principal told the parents, go away, go away. It is accountability. And Karen. Is really always great at accountability, and I love the concept of accountability, and when you're creating teams and so on, the most basic fundamental is all about being able to hold each other accountable. And you don't do it because it's a personal thing, or you have an ax to grind, it's because the whole team agrees that those are things that everyone can do. So I agree with you, accountability is important. That's great.   Gail Sussman-Miller ** 15:29 I also think that if motivation is important, so your wife used the party as a motivator, and with adults, if they really want to change their results, then this is and I don't, I don't dictate how to do it as much as help them figure out how they're going to do it,   Michael Hingson ** 15:52 absolutely, absolutely. So   Gail Sussman-Miller ** 15:56 it's fun. It's fun. I have a blast, and some people are a term coaches use is coachable. Some people are more coachable than others. And usually I can kind of assess that early on. And sometimes it's we go as far as they're willing to go. They may also not be emotionally ready to go any further   Michael Hingson ** 16:22 well. So in 2001 you discovered that you really wanted to teach adults more, and you started your organization. And so inspired, choice came to be. Tell us more about that and what it is and how it's evolved over the years.   Gail Sussman-Miller ** 16:43 So I'm actually it's kind of funny. I was I got married in 2000 came back from my honeymoon to find out I'd been laid off. I spent 13 years at Anderson Consulting, which became Accenture, just as I was leaving, and I, I don't even remember, I think I had seven different jobs in 13 years. They there was a lot of shifting, and one or two I enjoyed the most because they had a lot of teaching. So I enrolled in a couple of programs. Chicagoans will recognize this name, maybe, you know it the Discovery Center was on Lincoln Avenue. We've hired that so I took a class that introduced coaching there. And I said, this is interesting. I'm actually still friends with a couple people that were in that classroom, and then I went to a two day conference held by the local Chicago chapter of the International Coach Federation. And then I was hooked, totally hooked. So after being laid off, I spent some time looking for a job, and then I asked my husband if it was okay with him if I decided to pursue this training and then career and coaching. And he said, Sure. So that's where it started, and in 1997 I'm rewinding just a little, I did a two and a half day women's personal growth weekend, and started to do the deepest personal growth work I'd done, I would say, in my life, I'd done therapy for years, but didn't find it as effective as this. Two and a half days really moved the needle. And one of the women who was staffing that weekend, I saw her at a local event for that organization, and I mentioned I was unhappy about a few things. She said, Well, I think I can help you. And I hired her. Lo and behold, she was a coach. I didn't even know it, and it was immensely helpful to me. That's how I really got familiar with coaching. And then the two day, two and a half day weekend, and then all of that. So that's when I realized it was like a career design just for me. No one else was perfect. It was my orientation. Was not telling people what to do, it was helping them empower themselves and realize their best way. So I started my business very slowly. I didn't know anything about being a business person. I had no clue I was the least bit entrepreneurial, and it evolved slowly, but in the beginning, I kind of like thinking of as a sandwich on the bottom layer. The first piece of bread was about seven years working with women who were in the. Own businesses, helping them realize and find their best marketing method. I just love thinking about marketing, and then that led me to develop a workshop of my own called How to love networking, which most people do not love. It used metaphors, taking what they love to do most in their life, like, let's say cooking or knitting or travel, and how to network the way they do that activity they love. That led to my being discovered by a senior executive organization helping people network. So they asked if I would lead their Chicago meetings, and I did for about seven and a half years. That shifted me and put me in front of senior executives who were looking for jobs, and I taught networking and help them present themselves well within the meeting. And many of them needed additional help, so I was hired into that kind of coaching. And my whole career, my whole business shifted from helping women on marketing to helping executives with their job search, which is, by the way, still marketing.   Michael Hingson ** 21:22 It is, how? How do you teach networking? What? What is that?   Gail Sussman-Miller ** 21:28 I'll answer that in a minute, but my brain needs to finish this one. Okay, okay, brain, go ahead. My brain will be busy working on it. After about seven years of teaching these executives, helping them in their job search and promoting themselves and networking, I came back to working with women, and that's what I've been doing, working with women leaders on how to be a more empowered, truthful, authentic and vulnerable leader. So that just had to bring you up to the present. So how do you teach networking? It was helping to debunk what networking is, and I like to define networking as simply connecting with like minded people for the greater good. It's all about connection. What do you have in common? How getting curious? I mean that one of the basic concerns people had was always walking into a room like a networking event, and maybe there's 10 people, there could be 40 people. How do I start a conversation? How do I describe myself? And people being very attached to the outcome, I have to meet someone who's going to be helpful to me. I worked with some people who wanted to literally walk in the room, grab the microphone and say, I'm a tech engineer. Can anyone hire me? Like, Oh my gosh, that is not going to get you there, no, but very, you know, end result oriented. So it had a lot to do with understanding human nature, how to have these conversations, how to describe themselves well and talk about the outcomes they deliver, and to be of service help others. First things you've heard before, but it was usually getting at what their obstacle was. What was their obstacle to the process,   Michael Hingson ** 23:29 makes sense, and and it and it is always a challenge. If let's take your example. I'm a tech guy who will hire me, shows in so many ways, probably what that person isn't looking at and needs to look at, and certainly could use a lot of teaching and coaching. The question is, of course, would they be interested in doing it? And that's, that's, of course, what you address and what you deal with. Some people are coachable, and some people aren't, and some people will be once they discover what being coachable is all about.   Gail Sussman-Miller ** 24:15 Yeah, then a case like that, sometimes it's people that kind of urge, like, you know, I don't want to make small talk. I always say, Well, then don't make small talk. Make big talk. Ask important questions. Don't talk about the weather or how good the weenies are wrapped in the in the dough and the hors d'oeuvres. But they are impatient, perhaps because they're desperate, because they're afraid. I always wind up on the emotional undertones of what is going on. How long have you been in job search? Have you been turned down a lot what's going on? How confident are you? How well can you talk about what you do? Well. How well do you do in relationships having nothing to do with job search? What you know, are you good listener? All those things. So it's, I would say it's interesting about job search that at some level, people might not be at their best depending on how comfortable they are with the process, because it is not linear,   Michael Hingson ** 25:27 yeah, and even if you're turned down for a job, do you ask? Why? You know? Are you willing to learn? And again, some people are and some people aren't. Right, right when I talk, when I talk with people about being as when I talk with people about being a speaker and and even sometimes they say we're considering you. And then if they come back and they say we went a different direction, I will ask why. I'd love to learn a little bit more. I don't, I'm not quite that blunt. I'll say something like, I'd like to learn a little bit more about what the process was and what led you to the choice that you made. If you would please take the time to let me know. And again, it's, it's a it's a process. I haven't generally heard that. Oh, you're not a good speaker, or whatever. And I suppose some people might not want to say, but usually it's we had somebody who went a different wanted us to go a different direction, or, I mean, any number of things, or we changed our mind about the theme for the event, which has happened more than once any number of things. And so you you take every, every opportunity, and you learn what you can.   Gail Sussman-Miller ** 26:50 That makes sense. Yeah, yeah. It eventually. What led me at some point, I think the pretty sure the people were under and their fear and working with that, I think that some point that may have been what helped me decide to move on and instead of and practice what I preach. Really am I coaching this target audience out of passion, and I was starting to lose my passion. And I said, you know, I've been feeling a hankering to go back to working with women, and as I did the work on myself, this is not a surprise, but I was doing a lot of work on myself. To stand in my power more to really tune into my feminine energy and to spirituality. And it was all guiding me to say, you're not following your heart and soul passion. And then that led me right back to where I started, and working with women. There you go on on deeper issues. So it's been wonderful,   Michael Hingson ** 28:09 by the way. What kind of work does your husband do?   Gail Sussman-Miller ** 28:14 Oh, well, it's really interesting. He might have lost track how many years, but he's about a 45 year stock trader, and started out on the Chicago Board of Trade floor. Then around the time I met him, he, as they call it, went upstairs, became an upstairs trader, electronic only, and now, for maybe the last eight years, nine years, he's teaching traders and investors how to read the cycles in the stock market chart analysis and some emotional issues for traders. Traders psychology. And he created a membership for people that want to get involved at a deeper level or a lighter level. And he does training videos. He does. He's actually got a live show that he does once a month, and it's all about education and analysis, some really technical but this gorgeous, beautiful charting that he that he invented, of looking at where the rhythms are. I could go on and on about this, but I think that's probably all your listeners want to hear, because it gets great, really technical. And for those who are a little geeky, if you have ever heard of the Fibonacci formula, even the market follows Fibonacci cycles. Well,   Michael Hingson ** 29:52 the reason I asked the question was you said earlier, when you decided to start your business, you asked him, and he said, Yes, and that. Immediately made me wonder, what kind of a guy is he that he was willing to be open, and clearly, he's an intelligent person. He observes a lot, and so it makes perfect sense that that he would be the kind of person who would support and agree with decisions that you could make and do make, and the fact that the two of you communicated about it is, I think, the most telling thing. It's great when a couple shares and essentially really decides together.   Gail Sussman-Miller ** 30:36 Well, I can't wait to tell him what calls over. He's uh, currently relaxing by the pool after his Friday, his Friday live show. But the interesting thing, or, or, and the three, the two and a half day training I told you that I did in 97 he did the men's version, which is a little more popular. It's called a little has more notoriety. It's called new Warrior, and he did that in like three months before I met him, and that changed his life. So, communication skills, self awareness, taking responsibility, all of that, that was what drew me to him and that, and we've been growing those skills ever since, no taking responsibility if you get triggered, and not blaming the other person. Yeah, understanding a lot of emotional intelligence, a ton of emotional intelligence. In fact, we both got certified in a tool published by MHS, and it's a emotional intelligence assessment.   Michael Hingson ** 31:46 Well, you've been coaching for a while, needless to say, 23 years. What are the most common issues that women leaders ask for support on?   Gail Sussman-Miller ** 32:01 There's usually one common thread, and it's about, how do I have this conversation? I need to tell this employee they're not doing well, but I don't want to hurt their feelings. I'm not getting along well. Things are not going smoothly with one of my direct reports. I don't know how to approach that. Or there I have some clients who are in a male dominated industry and a male dominated firm, and they may be the only woman in the room. How do I dan in my power express myself and communicate where very often, male and female communications can be different. So how to how to tell, have the conversations, how to tell the truth, what they think is the truth, without worrying about hurting people's feelings or having a lot of fear come up and how how to move through the discomfort. It might be speaking up more than they're used to. It might be saying no, it might be setting some limits and being honest with some risk. So it's almost all connected, but those are usually the general themes,   Michael Hingson ** 33:29 yeah, and it's unfortunate that there have to be risks just to being able to speak up where as if it were just men in the room, probably the same issue wouldn't be there, but we're still way too patriarchal, I think, in a lot of ways, and that tends to be a problem. I love it when people are willing to speak up and be open. I think it's it's so important to do that.   Gail Sussman-Miller ** 33:57 Well, I can tell you that while I was still coaching on job search, most of my clients were men, and they had plenty of fear about speaking up plenty it is really not so gender biased, especially networking or interviewing, or how am I going to answer that question, or all of this strategizing. Well, if they say this, then I'll say that. Or instead of what I have come to learn to not only do but to enjoy, is to just be be in the moment. Yeah? Like I often joke, I like being put on the spot. Yeah, I mean, you asked you, and I talked about some things we might talk about today, but I'm ready for you to ask me anything, and I think that's exciting. And if I don't know the answer, I'll say so, but, but I've learned to love honesty in that kind of Troy. And that's what I help my clients do, yeah, and I can think of, oh, sorry, let me just finish this one, thinking of this one client, he wanted to get promoted. He liked his company a lot. He was doing well, and he was going to go to this meeting where they're going to be all appears of his, and then the next level up of management, and he was making himself a little nuts preparing, like I said, if they go on this topic, I've got my notes, and if they go to this topic, I've got my notes. And I helped him to see how he could he didn't need he was over, preparing, spending a lot of time that he didn't need to. And this concept of showing up, show up, be present, answer the questions from what you know, and the words don't matter as much as the energy. It's about saying what you feel and what you believe and say that proudly. So he started doing that, and he couldn't believe the shift. And there's a there's a woman. Her name is nalima bat. I've heard her speak, and she has a meditation that helps get to the point of saying there's nothing to defend, there's nothing to promote, and there's nothing to fear. God practically just want to sigh at that, yeah, oh, that's so reassuring. And then you just show up because you're you've got the ability you know you you're ready. You're always ready.   Michael Hingson ** 36:43 We just don't always think we are, because we overthink things. You know, the biggest problem with fear is we focus so much on the what ifs and that we create our own fear, rather than, as you just said, really living in the moment and and using the knowledge that you have, trusting your your gut or your brain, and, yeah, speaking up and doing the things that you know, really that you should do. And the reality is, you do know what you should do, but we are so focused so often on what if that we've lost a lot of those skills. They're there to be redeveloped. And I wrote a book that's going to be well, it'll be out in August of 2024 it's called Live like a guide dog, true stories from a blind man and his dogs about being brave, overcoming adversity and walking in faith. And the idea is to help people learn how to control fear. It isn't to be fearless, because fearless is a very powerful thing, but you don't need to let fear overwhelm you. You need to use it in a positive way. And one of the things that I learned and talk about in the book is that living in the moment is one of the most powerful things that we can do. That isn't to say you don't develop strategies and spend some time strategizing, but if you do it to the point where you drive yourself crazy and you don't really listen to yourself, that's a problem.   Gail Sussman-Miller ** 38:21 You used a really important word there trust and we have this is a topic that I'm warning you. Michael could go pretty deep, so I'm going to try to stay at the top, because it can. It's so enmeshed, I have come to appreciate that as humans, we have to, let's call it two minds. We have our ego, fear driven mind that, from our cave days, is there to protect us. That's the the ancient reptilian part of our brain that's there to make sure that we have our fight, flight or freeze response if we see a big wooly mammoth today, our fears are very different, but we're not worried about a lion or a tiger around every corner, so we have this protective, fear driven way of thinking that you can also refer to as ego. That is the what if negative and I need to be careful. What if I don't get promoted? What if someone thinks this? What if a lot of women worry? What if I sound too outspoken? We've got all that worry side, and that's one mind. The other is love driven, and it is for many people. It is about faith. It is about beliefs that there is the. Our powers greater than us, and that it isn't what one side, the ego, human protective side, is very tied to body identification with the eyes, ears, nose and touch, all of that what we hear the other side is spirit identification, and and that there, there's magic in the world. There's mystery, yeah, and it is not 100% all up to you. People will feel your energy. There are, there's, whatever you want to call it for you, divine, the universe, spirit. There are other forces at work, and that that's where, if we can trust that it doesn't all rest on our shoulders, not all within our control, either, but we, one side is powerless. This side, to me, is where you have your power. I need to do my best, and I can show up.   Michael Hingson ** 41:00 We don't always have control over what happens, but we always have control over how we deal with what happens, and that's the part that we have to make, the choice to address. And the example I always give with that is the World Trade Center. We had no control over it, and I no one's convinced me yet that we could have figured it out, but each and every one of us moves forward from the World Trade Center, and we have the choice to make of how we deal with what happened that day. We can hate love, we can use it as a way to move forward and help others and ourselves and so many different things that we have a choice to do. Well,   Gail Sussman-Miller ** 41:45 I hope so here do, yeah, yeah, big time.   Michael Hingson ** 41:50 And I think it's the important thing that we we need to do. Let me ask you this question. You have a tool that you use to help men and women improve their results. And do you want to talk about that some?   Gail Sussman-Miller ** 42:04 Yeah, and it's all about what you were just talking about. It's all about perspective and it all and the power of our thoughts. So very typically, when I work with people, I'm sure you see this, and the people you talk to, people want to change their results. So they say, Well, if I want a better career, I want this, or I want that, I need to change my actions, my behavior. And usually that's where it stops. Is okay. Want a job, I'm going to go look for a job. I'm going to do this, do that, do these steps. I want to get promoted. I'm going to start showing up like this or that, and then it sometimes doesn't work, or they're too afraid, so they do some shortcuts, or they aren't showing up fully in their strength and their ability and their power. So what I help people realize is before you go take those changed actions to get new results, there's something that happens before the action, and that is, you look at choices options, you think about your options first, and then you choose one or two, and you do those actions before the choices, even before you look at a list of choices, there's an emotion or a feeling. If your job search is motivated by fear, then your options that you look at might be somewhat desperation driven, and then your behavior, and then the results you get. If we I'll stick with job search as the example. What triggered those emotions? Where do those come from? So even before the emotion, there's some kind of a belief, and before the belief we have thoughts, and I like to kind of put those in the same bucket, thoughts that we hold on to long enough become beliefs we can have fleeting thoughts, like I think I can fly, but then when we we look at what we believe. So there's often a trigger at the beginning of the whole process. I need a job. I've just been laid off, and the thought or belief is this is a tough market. No one's going to want to hire me. I didn't get enough to a high enough level, or my resume is not going to be impressive. That creates the emotion of fear. Fear leads to limited options, like, I'm not even ready to talk about my skills. I'll just go apply online. That's it. I'll send out like 50 resumes online. Online is never the best way to find a job, and it's usually. Maybe 20% of the best strategy. So we look online, and then the result is, that's our action. The result is, maybe we get called for one or two interviews. So now we're annoyed This isn't going well, that thought, that belief now starts a whole nother chain reaction. This isn't going well. I'm never going to find a job more anger and frustration and fear, and we make new choices, take more action, and the results may not change. So what you can do with this is interrupt the whole flow and choose a different thought, a different belief. And one possibility for this kind of a person would be, I've had a reasonably good career. I have a lot of skills, maybe if I ask for some help, I can present myself in a different way, or I'm really focusing too much on the negative, and a new belief might be if I tell my story in a more positive way, and if I can calm myself down, I know I'm hireable. I know I can do well, and that would bring a new emotion of some positivity, some maybe even a little spark of joy, some contentment. I don't know if we could go all the way to happy and we look at making different choices. Who can I ask? Who do I think describes themselves really well? Who has a lot of confidence? Maybe a good friend of mine can help me, and we look at a bunch of choices. I've heard that networking is more important than looking online, but I don't, I don't think I can network well. Who do I know that networks well, and then we take different action, like maybe talking to one of those friends, or working with a job search office or a coach, and we get different results, and that then feeds the formula again. Then we're like, okay, that worked. I'm on the right track. I got more interviews. I'm hireable, and it keeps circulating and circulating.   Michael Hingson ** 47:28 Yeah, and the example you just gave, the reality is, all too often we talk ourselves into a bad situation or a not positive situation, because we do the what ifs and we don't look at options. And I think it's so important to think about the more positive things. And the reality is, Gandhi put it very well when he said interdependence is an ought to and ought to be as much the ideal of man as a self sufficiency. And the point is, is so true that we're all part of the same world. We're all part of the same process, and the more we work together, and the Learn More we learn to work together, the better it will be. Yes,   Gail Sussman-Miller ** 48:17 and interestingly, maybe building on your What if concept, there's, there's a, there's a game I sometimes play with people, if you can picture like the chair you're sitting in is, is center center point. What if negative moves to your left every time you answer? Well, what if I don't get a job? Well, what if I go hungry? What if I'm broke? What if, and you keep moving left, left, left, further, or you can come back to center and move to the right, well, what if I get some help, and that leads to a job? And what if this, and what if this going positive, and you just notice where, where are you in the center? And the minute you go, what if, positive two or three steps, but you have a negative thought, it takes you back to the center. So it's just a way of paying attention. Am I? Am I going up with my What if, or in this case, to to the right, or am I going? What if negative they can go either way,   Michael Hingson ** 49:26 well. And the issue is, you take two or three steps to the right or movements to the right, and then a negative thought comes along again. You have the choice and the control of how you deal with that negative thought of that as a negative thought, I'm not going to let that control my life. It might be good point. Glad you brought that up negative mind, but that's not going to help me progress, and that. That's the part that I think a lot of people don't learn how to deal with very well. We're way too negative oriented in our world. It seems, sometimes seems to me,   Gail Sussman-Miller ** 50:12 Well, it's interesting, because that's the human protective ego side bringing up the fear based thought, like, Ooh, wait a minute, you're feeling a little too cocky so you could get hurt. Let me throw a monkey wrench in here. Well, what if? And then here comes the negative thought. And we really those thoughts are so powerful, they influence not just our emotions and choices and action and results, but they they influence what what we believe, and we actually vibrate that to other people. I'm sure you know our listeners and and you have walked into a room and said something with with other people, and you just feel something in the air someone's like, did you just walk in after an argument two people had or something doesn't feel right. We really do vibe off each other. And using continuing to use the job search metaphor, depending on how you come in the room to meet someone that wants to have a conversation with you, you set the tone you really we have that power. It's takes a lot of practice, though, to catch like you said, Oh, thanks, negative mind, because it is worth thinking. It is trying to protect you, and especially your very young child. All our coping mechanisms, we taught, we were taught them or developed them, and it's gotten us this far, but it may not be serving you anymore, or   Michael Hingson ** 51:54 you you haven't learned how to put a barrier or a stop to those things, and that's the the part that's missing. Can you give us an example? Tell us a story about someone who you've helped with, with the whole process and what happened?   Gail Sussman-Miller ** 52:12 Well, this is kind of fun, and this has happened a couple times. To tell you about I'm trying to decide which story to tell you, because I'm also thinking about protecting confidentiality. So maybe this is a little easier one. So I have a client who, right now is actually a month from today, is her 65th birthday, and she's thinking was came to me thinking about retiring. She She and I worked together, I don't know, maybe 10 years ago, and she came back, and she was in a lot of either or thinking, so I'd like to make a decision, and may 12, be retired, but I still really love what I do. She's a musician, and I know she would enjoy my telling her story, and I still get a lot of pleasure out of it, but I don't want to work so many hours. She's used to kind of just saying yes to every gig that comes along, sure I'll play for you. Sure, sure. So part of our work was about what is your desired outcome? What do you really want? Do you want to stop working and cook and visit with people and go on trips? No, I really still like working, but I don't really trust myself to not work all the time. So we wound up shifting using a similar thought formula. Her current belief was it's either work or play. That was it. So that led to feeling overwhelmed and afraid, and that led to her making choices to postpone it, which is really a choice. She didn't take action. And the result is, well, I'm getting even closer to that 65th birthday, and I have no decision. And we shifted to the concept of what about work and play, that there were way to set ways to set limits. We came up with some criteria, all based on joy. Which gigs bring you the most joy? Oh, well, that's easy. I get to play this instrument, not that one within 25 miles of my home, for people that I really like, Okay, now we have, like, a thought filter, a choice filter for choice filter, right, right. It has to meet this criteria, this one and this one. Oh, but then I'll hurt the feelings of people I say no to we worked on that. Well. Now. I just talked to her yesterday, she said no to like, two or three gigs. Said yes to six. She's working fewer hours, and now she's exploring, what do I want to do with my time off? She's never taken much time off, and now it's just plugging in some time for my husband, some time for learning new recipes, some time for practicing my instrument, and now she trusts herself to only say yes to the gigs that bring joy. And   Michael Hingson ** 55:32 why did she say no? Why did she say no to some   Gail Sussman-Miller ** 55:38 they they were on holidays, which she's used to sacrificing holidays. And she said, Nope, I want Easter with my husband and my family. I'm saying no,   Michael Hingson ** 55:50 that's my point. Yeah, and yeah. And it was limits. It   Gail Sussman-Miller ** 55:54 was setting limits. Maybe she'd worked with them before and they didn't pay on time, or it was out of her driving limit, or something about it, there's no one else in the room with her making the decision. Something about it didn't feel right, like it's just trusting instinct, but there were some clear cut yeses and clear cut nos instead of I need to please everyone, so I have to say, yes, yeah,   Michael Hingson ** 56:26 which is so cool.   56:28 Yes, it's so fun. Well, what's   Michael Hingson ** 56:30 the best way that people can explore working with you?   Gail Sussman-Miller ** 56:33 Well, I think that when we share this video and the audit the recording, that folks will have my email but let me give it to you now. Yes, please. My email address is Gail, G, A, I, L, at, inspired choice.com, that's I n, s, p, i, R, E, D, C, H, O, i, c, e.com, you can also call me good old telephone, 773-477-4012, still have my Chicago area code. There you go. And my website, if you want to learn more, is www, dot inspired, choice.com,   Michael Hingson ** 57:20 and through the website, and I would assume that through the website, they also can contact you. There's contact information on the site and so on.   57:28 Cool.   Michael Hingson ** 57:31 Well, this, I think, has been a lot of fun to do, and I think it's so important that people learn that they can discover better how to make choices, and that you're out there to help. And I still love chief obstacle. Buster, I think that's such a great title.   Gail Sussman-Miller ** 57:52 And Michael, I just want to add that I'm happy to always set up a zoom and meet with people and explore the possibilities and see it has to be a good fit on both sides and like, am I even someone who is coachable, or is this something that would even work for me? So that's always the first step.   Michael Hingson ** 58:16 Exploration is always a good thing. Yeah. Well, I want to thank you for being here, and I want to thank you all for listening and watching us today. I hope that this has been informative and useful and helpful, and that you will take advantage of the services and skills that Gail has to offer and that you'll reach out to her. I want to thank you for listening, and as always, really appreciate all that you're doing with unstoppable mindset and attending our different episodes. I'd love to hear from you. You can reach me by email at Michael H i, at accessibe, A, C, C, E, S, S, I, B, e.com, or go to our podcast page, www dot Michael hingson.com/podcast, Michael hingson is m, I C, H, A, E, L, H, I N, G, s, o, n.com/podcast, wherever you're listening, please give us a five star rating. Really would love to get that. It really is one of the wonderful things. When people give us a rating, we hope it'll be five star. But whatever you rate us, please review and we'd love to hear your thoughts and your comments. If you know of anyone else who ought to be a guest on unstoppable mindset, please encourage them to reach out, or you reach out and introduce us. Love it. Gail, you as well. If you know anyone else who ought to be a guest, please let us know. Thank you today. Michael, well, I want to thank you again, and we really appreciate you being here. Thanks very much for all of your time. Thanks.   **Michael Hingson ** 59:54 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

Percussionist, Composer, Freelancer, and Educator Melissa Wang stops by to talk about her PASIC 2024 performance of Kate Neal's “Self-Accusation” (03:10), her percussion activities and responsibilities throughout the Chicago Metro area (21:50), growing up in Chicago, her early musical experiences, and her extracurricular activities, including her prowess at the Spelling Bee (31:35), getting her undergrad degree from Northern Illinois University (41:30), her percussion and composition degree work for her master's at the University of Washington (51:05), and settles in for the Random Ass Questions, including discussions of mental health, being a woman in the percussion and composition fields, Shrek, viral videos, and the greatness of Evelyn Glennie (01:07:20).Finishing with a Rave on the 2024 film A Real Pain (01:39:40).Melissa Wang Links:Melissa Wang's webpageMelissa Wang's PASIC pagePrevious Podcast Guests mentioned:Bonnie Whiting from 2020Raychel Taylor from 2020Other Links:Kate NealPeter HandkePioneer Drum and Bugle CorpsGregory BeyerBen WahlundLiam TeagueLeft Edge PercussionShrek trailerNeo Yokio trailerShadow Behind the Iron Sun - Evelyn GlennieRaves:A Real Pain trailer

In this episode we countdown to Christmas. We talk about the Bitwise founders prison sentence after pleading guilty of fraud. We talk local sports as our Fresno State Football team will take on Northern Illinois University in the Famous Idaho Potato Bowl in Boise, Idaho on December 23rd. We conclude the pod talkin NFL power rankings, and NBA Christmas schedule. Be sure to support all your local businesses, artists, and podcasts. Have a Merry Christmas!

Christine Nagelhout is a Chicago native who has lived in Colorado for over half of her life, a place she now calls home. She attended University of Northern Colorado for her BA in Kinesiology, minor in Biology and also obtained her certification as a Certified Athletic Trainer. She attended Northern Illinois University for her MS Ed, with emphasis in Sport Management. Her job experience is diverse, including orthopedics, osteopathy, and most recently over 27+ years in outpatient physical therapy as part of the clinical staff. She acquired her Certified Senior Advisor (CSA) designation in 2020 and is the Owner of Transitions Senior Care, LLC.Christine specializes in Senior Placement, advocating for her clients and families as they navigate finding appropriate next level care communities including Independent Living, Assisted Living and Memory Care. She is a female owned business and covers the Denver Metro area for Senior Placement. Christine offers this no-cost service to her clients as well as many vetted resources to support her clients throughout their journey.Christine's personal philosophy is that every person deserves to be treated with dignity and respect, treated the way I want my own family treated.www.TransitionsSeniorCare.comhttps://www.linkedin.com/in/christine-nagelhout-905549124/*********************************************************Judy is the CEO & Founder of the Judy Carlson Financial Group. She helps her clients design, build, and implement fully integrated and coordinated financial plans from today through life expectancy and legacy.She is an Independent Fiduciary and Comprehensive Financial Planner who specializes in Wealth Decumulation Strategies. Judy is a CPA, Investment Advisor Representative, Life and Health Insurance Licensed, and Long-Term Care Certified.Judy's mission is to educate and empower her clients with an all-inclusive financial plan that encourages and motivates them to pursue their lifetime financial goals and dreams.Learn More: https://judycarlson.com/Investment Adviser Representative of and advisory services offered through Royal Fund Management, LLC, an SEC Registered Adviser.The Inspired Impact Podcasthttps://businessinnovatorsradio.com/the-inspired-impact-podcast/Source: https://businessinnovatorsradio.com/the-inspired-impact-podcast-with-judy-carlson-interview-with-christine-nagelhout-senior-placement-specialist-and-owner-of-transitions-senior-care

Few subjects present a greater challenge for parents than teaching children about God's design for their identity. How do we start these vital conversations without overwhelming our little ones or feeding them information beyond their comprehension? Catherine's guest, Elizabeth Urbanowicz, has developed a curriculum that helps parents navigate these challenging waters. Elizabeth is the founder of Foundation Worldview, an organization committed to providing Christian parents, educators, and church leaders with the resources they need to teach children to think critically and biblically. In this enlightening discussion, Elizabeth introduces her new curriculum aimed at kids ages 4-8 called "God's Good Design."  This episode emphasizes: 1.     The Importance of Being the First: Introducing children to these topics early helps parents establish authority and provide a biblical perspective. 2.     Maintaining Innocence While Informing: Teaching children about God's good design protects their innocence by providing them with the truth before encountering corrupted versions of identity. 3.     Living in Truth while Loving Others: Both Catherine and Elizabeth emphasize the need to always love those who disagree while we teach our kids God's truth about their identity. 4.     Resources for Parents and Educators: Foundation Worldview's curriculum and other recommended resources for guiding children and teens in sexuality education from a Christian perspective are highlighted. Listeners are invited to access these Foundation Worldview resources with a special $10 discount on family licenses using the code PARENT10. About the Guest Elizabeth Urbanowicz holds a B.S. from Gordon College in Elementary Education and Spanish, an M.S.Ed. from Northern Illinois University in Literacy Education, and an M.A. in Christian Apologetics from Biola University. Elizabeth created Foundation Worldview to equip Christian parents with the resources they need to train children to soundly interpret Scripture, carefully evaluate every idea they encounter, and understand the truth of the biblical worldview. EPISODE RESOURCES: ·       God's Good Design curriculum (Use code PARENT10 for a $10 discount on any family license) ·       “How Should Christians Talk to Their Kids about Sexuality” by Catherine Segars ·       Mama Bear Apologetics Guide to Sexuality by Hillary Morgan Ferrer ·       God's Design for Sex (series) by Stan and Brenna Jones ·       The Talk: 7 Lessons to Introduce Your Child to Biblical Sexuality by Luke Gilkerson ·       The Talk: 7 Lessons to Introduce Your Child to Biblical Sexuality ·       The Holy Sexuality Project by Christopher Yuan Other Episodes with Elizabeth: Ep. 57: How To Teach Your Kids the Christian Worldview Ep. 58: 7 Lies Culture is Spreading to Our Kids: Are They Buying? Ep. 72 What Do Deconstructionists Often Get Wrong about the Faith Ep. 73: How Can God Forgive Sins Like Abuse, Rape, and Murder?   Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Dr. Kanjana is joined by Dr. Ivan Small, the new director of Northern Illinois University's Center for Southeast Asian Studies. Together they delve into Small's research documenting the movement of money in and out of Vietnam through remittance. Small discusses the practice and impact of these remittance flows on coastal Vietnamese communities, from a local level to the government's perspective. Small comes to NIU from the University of Houston in Houston, Texas where he served as an associate professor of anthropology. A cultural anthropologist with training grounded in Southeast Asian studies, Small has years of experience working at higher education institutions. He brings a passion for his work to his role at NIU.

The past six years have been marked by a contentious political atmosphere that has touched every arena of public life, including higher education. Though most college campuses are considered ideologically progressive, how can it be that the right has been so successful in mobilizing young people even in these environments? As Amy J. Binder and Jeffrey L. Kidder show in this surprising analysis of the relationship between political activism on college campuses and the broader US political landscape, while liberal students often outnumber conservatives on college campuses, liberal campus organizing remains removed from national institutions that effectively engage students after graduation. And though they are usually in the minority, conservative student groups have strong ties to national right-leaning organizations, which provide funds and expertise, as well as job opportunities and avenues for involvement after graduation. Though the left is more prominent on campus, the right has built a much more effective system for mobilizing ongoing engagement. What's more, the conservative college ecosystem has worked to increase the number of political provocations on campus and lower the public's trust in higher education. In analyzing collegiate activism from the left, right, and center, The Channels of Student Activism: How the Left and Right Are Winning (and Losing) in Campus Politics Today (U Chicago Press, 2022) shows exactly how politically engaged college students are channeled into two distinct forms of mobilization and why that has profound consequences for the future of American politics. Amy J. Binder is professor of sociology at John Hopkins University. She is the author of Contentious Curricula and coauthor of Becoming Right. Jeffrey L. Kidder is professor of sociology at Northern Illinois University. He is the author of Parkour and the City and Urban Flow Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

The past six years have been marked by a contentious political atmosphere that has touched every arena of public life, including higher education. Though most college campuses are considered ideologically progressive, how can it be that the right has been so successful in mobilizing young people even in these environments? As Amy J. Binder and Jeffrey L. Kidder show in this surprising analysis of the relationship between political activism on college campuses and the broader US political landscape, while liberal students often outnumber conservatives on college campuses, liberal campus organizing remains removed from national institutions that effectively engage students after graduation. And though they are usually in the minority, conservative student groups have strong ties to national right-leaning organizations, which provide funds and expertise, as well as job opportunities and avenues for involvement after graduation. Though the left is more prominent on campus, the right has built a much more effective system for mobilizing ongoing engagement. What's more, the conservative college ecosystem has worked to increase the number of political provocations on campus and lower the public's trust in higher education. In analyzing collegiate activism from the left, right, and center, The Channels of Student Activism: How the Left and Right Are Winning (and Losing) in Campus Politics Today (U Chicago Press, 2022) shows exactly how politically engaged college students are channeled into two distinct forms of mobilization and why that has profound consequences for the future of American politics. Amy J. Binder is professor of sociology at John Hopkins University. She is the author of Contentious Curricula and coauthor of Becoming Right. Jeffrey L. Kidder is professor of sociology at Northern Illinois University. He is the author of Parkour and the City and Urban Flow Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science

The past six years have been marked by a contentious political atmosphere that has touched every arena of public life, including higher education. Though most college campuses are considered ideologically progressive, how can it be that the right has been so successful in mobilizing young people even in these environments? As Amy J. Binder and Jeffrey L. Kidder show in this surprising analysis of the relationship between political activism on college campuses and the broader US political landscape, while liberal students often outnumber conservatives on college campuses, liberal campus organizing remains removed from national institutions that effectively engage students after graduation. And though they are usually in the minority, conservative student groups have strong ties to national right-leaning organizations, which provide funds and expertise, as well as job opportunities and avenues for involvement after graduation. Though the left is more prominent on campus, the right has built a much more effective system for mobilizing ongoing engagement. What's more, the conservative college ecosystem has worked to increase the number of political provocations on campus and lower the public's trust in higher education. In analyzing collegiate activism from the left, right, and center, The Channels of Student Activism: How the Left and Right Are Winning (and Losing) in Campus Politics Today (U Chicago Press, 2022) shows exactly how politically engaged college students are channeled into two distinct forms of mobilization and why that has profound consequences for the future of American politics. Amy J. Binder is professor of sociology at John Hopkins University. She is the author of Contentious Curricula and coauthor of Becoming Right. Jeffrey L. Kidder is professor of sociology at Northern Illinois University. He is the author of Parkour and the City and Urban Flow Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/sociology

The past six years have been marked by a contentious political atmosphere that has touched every arena of public life, including higher education. Though most college campuses are considered ideologically progressive, how can it be that the right has been so successful in mobilizing young people even in these environments? As Amy J. Binder and Jeffrey L. Kidder show in this surprising analysis of the relationship between political activism on college campuses and the broader US political landscape, while liberal students often outnumber conservatives on college campuses, liberal campus organizing remains removed from national institutions that effectively engage students after graduation. And though they are usually in the minority, conservative student groups have strong ties to national right-leaning organizations, which provide funds and expertise, as well as job opportunities and avenues for involvement after graduation. Though the left is more prominent on campus, the right has built a much more effective system for mobilizing ongoing engagement. What's more, the conservative college ecosystem has worked to increase the number of political provocations on campus and lower the public's trust in higher education. In analyzing collegiate activism from the left, right, and center, The Channels of Student Activism: How the Left and Right Are Winning (and Losing) in Campus Politics Today (U Chicago Press, 2022) shows exactly how politically engaged college students are channeled into two distinct forms of mobilization and why that has profound consequences for the future of American politics. Amy J. Binder is professor of sociology at John Hopkins University. She is the author of Contentious Curricula and coauthor of Becoming Right. Jeffrey L. Kidder is professor of sociology at Northern Illinois University. He is the author of Parkour and the City and Urban Flow Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

The past six years have been marked by a contentious political atmosphere that has touched every arena of public life, including higher education. Though most college campuses are considered ideologically progressive, how can it be that the right has been so successful in mobilizing young people even in these environments? As Amy J. Binder and Jeffrey L. Kidder show in this surprising analysis of the relationship between political activism on college campuses and the broader US political landscape, while liberal students often outnumber conservatives on college campuses, liberal campus organizing remains removed from national institutions that effectively engage students after graduation. And though they are usually in the minority, conservative student groups have strong ties to national right-leaning organizations, which provide funds and expertise, as well as job opportunities and avenues for involvement after graduation. Though the left is more prominent on campus, the right has built a much more effective system for mobilizing ongoing engagement. What's more, the conservative college ecosystem has worked to increase the number of political provocations on campus and lower the public's trust in higher education. In analyzing collegiate activism from the left, right, and center, The Channels of Student Activism: How the Left and Right Are Winning (and Losing) in Campus Politics Today (U Chicago Press, 2022) shows exactly how politically engaged college students are channeled into two distinct forms of mobilization and why that has profound consequences for the future of American politics. Amy J. Binder is professor of sociology at John Hopkins University. She is the author of Contentious Curricula and coauthor of Becoming Right. Jeffrey L. Kidder is professor of sociology at Northern Illinois University. He is the author of Parkour and the City and Urban Flow Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/education

The past six years have been marked by a contentious political atmosphere that has touched every arena of public life, including higher education. Though most college campuses are considered ideologically progressive, how can it be that the right has been so successful in mobilizing young people even in these environments? As Amy J. Binder and Jeffrey L. Kidder show in this surprising analysis of the relationship between political activism on college campuses and the broader US political landscape, while liberal students often outnumber conservatives on college campuses, liberal campus organizing remains removed from national institutions that effectively engage students after graduation. And though they are usually in the minority, conservative student groups have strong ties to national right-leaning organizations, which provide funds and expertise, as well as job opportunities and avenues for involvement after graduation. Though the left is more prominent on campus, the right has built a much more effective system for mobilizing ongoing engagement. What's more, the conservative college ecosystem has worked to increase the number of political provocations on campus and lower the public's trust in higher education. In analyzing collegiate activism from the left, right, and center, The Channels of Student Activism: How the Left and Right Are Winning (and Losing) in Campus Politics Today (U Chicago Press, 2022) shows exactly how politically engaged college students are channeled into two distinct forms of mobilization and why that has profound consequences for the future of American politics. Amy J. Binder is professor of sociology at John Hopkins University. She is the author of Contentious Curricula and coauthor of Becoming Right. Jeffrey L. Kidder is professor of sociology at Northern Illinois University. He is the author of Parkour and the City and Urban Flow Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The past six years have been marked by a contentious political atmosphere that has touched every arena of public life, including higher education. Though most college campuses are considered ideologically progressive, how can it be that the right has been so successful in mobilizing young people even in these environments? As Amy J. Binder and Jeffrey L. Kidder show in this surprising analysis of the relationship between political activism on college campuses and the broader US political landscape, while liberal students often outnumber conservatives on college campuses, liberal campus organizing remains removed from national institutions that effectively engage students after graduation. And though they are usually in the minority, conservative student groups have strong ties to national right-leaning organizations, which provide funds and expertise, as well as job opportunities and avenues for involvement after graduation. Though the left is more prominent on campus, the right has built a much more effective system for mobilizing ongoing engagement. What's more, the conservative college ecosystem has worked to increase the number of political provocations on campus and lower the public's trust in higher education. In analyzing collegiate activism from the left, right, and center, The Channels of Student Activism: How the Left and Right Are Winning (and Losing) in Campus Politics Today (U Chicago Press, 2022) shows exactly how politically engaged college students are channeled into two distinct forms of mobilization and why that has profound consequences for the future of American politics. Amy J. Binder is professor of sociology at John Hopkins University. She is the author of Contentious Curricula and coauthor of Becoming Right. Jeffrey L. Kidder is professor of sociology at Northern Illinois University. He is the author of Parkour and the City and Urban Flow Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices

 Allen Ottens on  "The Grant-Rawlins Relationship"  For More Info: WWW.ChicagoCWRT.ORG  Galena lawyer and Ulysses S. Grant neighbor John a. Rawlins rose to assistant adjutant general on Grant's staff and ultimately Grant's secretary of war. From the earliest days of the Civil War to Grant's years in the White House, John A. Rawlins was ever at Grant's side. Yet Rawlins's role in Grant's career is often overlooked, and he barely received mention in Grant's own two-volume Memoirs.  Rawlins teamed with Grant, the two complementing each other in their abilities and ambitions. Rawlins submerged his own needs and ambition in the service of Grant. He played a pivotal role in Grant's relatively small staff, acting as administrator, counselor, and defender of Grant's burgeoning popularity.  Allen J. Ottens is a Professor Emeritus of Counselor Education and Supervision at Northern Illinois University. He worked as a psychologist at several university counseling centers. He is also a past president of the Manuscript Society. With a lifelong interest in the Civil War and Abraham Lincoln, he is the author of the award-winning biography, General John A. Rawlins: No Ordinary Man (2021). 

In the season 5 finale episode, I explore Hill's approach to Team Leadership as detailed in chapter 16 from the 9th edition of Peter G. Northouse's "Leadership: Theory and Practice." During the segment, I highlight connections to our class' definition of leadership, discuss the importance of a strong culture, provide an overview of the model, and conclude with strengths and criticisms of the model. For the final Living Leadership interview of the year I'm joined by Deb Boughton, the Deputy Athletic Director at Marshall University. Before arriving at Marshall, she had a similar role at Northern Illinois University. Deb is a 1997 Trinity University alumna. While at Trinity she was a standout on the women's soccer team and was in the first class of Trinity Master's of Accounting program.  She speaks glowingly about role models and mentors like her head coach Nick Cowell, accounting professor Dr. Petrea Sandlin, and Trinity's longtime Director of Athletics Bob King. Deb firmly believes that nothing gets done if you haven't built strong relationships and emphasizes the difference between management and leadership. Speaking about relationships and the value of intercollegiate athletics, Deb says "A coach connects you to a program, but your teammates keep you there." She highlights that great leaders see no boundaries or limitations, but that they need strong colleagues to help them be aware of the pitfalls or proverbial alligators. I love how she describes what college athletics was for her and what it is for so many others - a place to learn, overcome fears, and develop confidence. During the conversation we discuss fruit salad versus gumbo as metaphors for why diversity matters and her two tenets of leadership: 1) reliability and 2) trust. This is an amazing conversation to conclude season 5 and I hope you enjoy!  

SIMON WLODARSKI, is a Senior Vice President at Bank of America and is a member of the U.S. State and Local Government Relations Team, overseeing State/Local Government Relations for the company in Michigan, Wisconsin, Illinois, Minnesota, Montana, North Dakota, South Dakota and Colorado. In this regional role with the company, Simon works on public policy issues impacting the financial services industry. In his leadership role with the company, he engages with public officials and banking industry leaders across the country.  Simon serves as the Bank's liaison with the National Council of State Legislators, a national trade association of state legislators.  He also serves as Vice Chair on the Executive Board of the Civic Federation, a non-profit organization advocating for responsible fiscal health of state and local government in Illinois. Prior to joining Bank of America, Simon served in the Administration of Pat Quinn, Governor of Illinois.  Simon began his public policy career supporting the Office of Management and Budget before serving as Chief of Staff of the Department of Veterans Affairs. In that capacity, Simon oversaw finance, human resources, operations and legislative affairs. Simon served in the United States Marine Corps, enlisting in 1995 as an infantry Marine. Transferring to the Reserves to attend college, Simon went on to pursue a commission in 2003, serving as an Infantry Officer during combat tours in Iraq.  Simon transferred to the Illinois National Guard in 2011, serving in Afghanistan as an advisor, as well as an embedded officer in the Polish Task Force.  Simon most recently served in Ukraine as an advisor, leading a multi-National NATO team working with the Armed Forces of Ukraine.  Amongst his awards, Simon is most proud to have earned the Army's Combat Infantryman's Badge and the Marine Combat Action Ribbon, and retired in December 2022 as a Lieutenant Colonel in the Army National Guard. Simon was born in Chicago, Illinois, and currently lived in Arlington Heights with his wife and two sons.  He completed a BS in Engineering from Iowa State University and an MBA from Northern Illinois University.

Amar Nagireddy, a diligent IT professional from India, has seamlessly integrated his tech expertise with an expanding passion for real estate. After completing a master's in industrial engineering from Northern Illinois University, he made Florida his home, where he lives with his wife and two young sons. Known for his detailed approach to underwriting, Amar has cultivated successful partnerships and is actively involved in three ongoing deals. His hands-on commitment, combined with mentorship and strategic guidance, underscores his swift rise in the competitive real estate landscape.   Here's some of the topics we covered: Leveraging College Skills in Multifamily Navigating Dissatisfaction with a W-2 Role Thriving as an Introvert in the Warrior Program Stepping Outside the Comfort Zone Building a Reputation by Offering Value for Free Adding Value Rather Than Taking Advantage Useful AI Tools for Multifamily Success Advice for Those New to Multifamily If you'd like to apply to the warrior program and do deals with other rockstars in this business: Text crush to 72345 and we'll be speaking soon.   For more about Rod and his real estate investing journey go to www.rodkhleif.com  

Dr. Kanjana Thepboriruk sits down with Dr. Melissa Lenczewski to discuss groundwater quality and testing in Southeast Asia and the United States. Together they bring to light how Arsenic and Microplastics have a strong presence in the water quality of countries that have poor infrastructure for testing and regulation, and the issue of water quality could lead to permanent structural damage if not properly monitored. Dr. Melissa Lenczewski is a professor of Hydrogeology in the Department of Earth, Atmosphere, and Environment at Northern Illinois University, a specialist in groundwater testing, and a Fullbright Research scholar of Cambodia and Thailand.

Steve Grzanich has the business news of the day with the Wintrust Business Minute. Northern Illinois University in DeKalb  has announced the largest gift in its history. It’ll fund a new $87 million health care and technology-focused hub for students in multiple disciplines. The Baustert Family Foundation has gifted $40 million to NIU. The health […]

Send us a textPlease Support Our Show❤️https://www.paypal.com/donate/?hosted_button_id=88DP4YMVETHFQAdvertise with us:https://theliteracyview.com/contact/Join our Facebook Group✅https://www.facebook.com/share/g/msdoTSwSiQvbtUW9/?mibextid=qtnXGeEmail us: FaithandJudy@gmail.comFaith's Book Links-https://a.co/d/5bv8AdEhttps://a.co/d/50d2qWZThe One About…Teachers Who Speak Up are Written Up: No Good Deed Goes Unpunished This Breaking News episode is a result of our last episode on Badass Moms and their Teens! YouTube Link is here:https://youtu.be/SR0lO0osKqY?si=qzR-EmT1OT-0FUuT Article:Letter to the Editor in the Muddy River NewsBlaming Parents, Teachers, Students, or Pandemic Isn't Solution to Low Reading Scores in Quincyhttps://muddyrivernews.com/opinion/letter-to-the-editor-blaming-parents-teachers-students-or-pandemic-isnt-solution-to-low-reading-scores-in-quincy/20240715060000/ Special Guests **Dawn De Lorenzo Bio:I am dual-certified general and special education teacher with 24 years experience. I have taught students from PreK through Grade 8. The majority of the students that I have served throughout my career had language-based learning disabilities such as dyslexia. I am a CERI Certified Structured Language Teacher. I have my MA in Curriculum and Instruction and my Ed.S. in Education Leadership, Policy and Management.  Last year, I was a Teacher Leader Policy Fellow with JerseyCAN and worked to champion several policies to strengthen literacy in New Jersey. JerseyCAN awarded me with an Excellence in Advocacy Award for my work.  I was second place in Nessy's 2024 Teacher of the Year Dyslexia Awareness Award. This year I started my own tutoring business, Lighthouse Literacy Solutions, where I can serve students and their families' needs without all of the red tape that entangles educators in public schools today. Website:https://lighthouseliteracy.tutorbird.com/lighthouseliteracynj.tutorbird.comEmail: lightjouselitnj@gmail.comX: https://x.com/DeLorenzoEdSLinkedIn: https://www.linkedin.com/in/dawndelorenzo/  Sherri Lucas-Hall BioSherri worked in a Georgia school district for 14 years, 4 years as an after-school teacher/ paraprofessional/substitute and 10 years as a classroom teacher for grades K/1. Sherri began studying the science of reading after discovering and listening to Emily Hanford's APM podcast entitled Hard Words in 2018.She started a small tutoring business, Designed to Teach Tutoring Services, in September 2019.Sherri earned a Bachelor of Science in Management from Northern Illinois University and a Master of Arts in Teaching from Mercer University.  She obtained an OG Classroom Educator Level Certification and completed LETRS training in January 2022, currently delivering those trainings as a PLF.  Sherri lives in Georgia with 2 of her Support the showThe Literacy View is an engaging and inclusive platform encouraging respectful discussion and debate about current issues in education.

After growing up in the vibrant neighborhood of Hoffman Estates, Illinois, Tim Terrell's journey to the NFL is as inspiring off the field as it was on. With stories of tight-knit community bonds and childhood adventures, Tim paints a picture of a supportive upbringing that set the stage for his future. A chance meeting with a coach reignited his passion, propelling him to excel at Harper Junior College and Northern Illinois University, where he helped lead his team to victory in the California Bowl.The episode unfolds with Tim recounting tales from his NFL days, filled with resilience, camaraderie, and unexpected encounters with legends like Jim McMahon and Eric Dickerson. He shares touching memories of his time as an NFL player, including the ups and downs of transitioning between teams and the harsh realities of the game. Whether it's humorous anecdotes about his time on the field or reflecting on the intense physical toll, Tim's stories are a testament to his perseverance and passion for the sport.Beyond football, Tim's life is marked by humility, gratitude, and a strong desire to make a positive impact. His post-NFL journey led him to establish a 501c3 foundation, leveraging his influence to support youth football and scholarships. Through strategic partnerships and community events, Tim's work epitomizes the power of action and community spirit. His reflections on resilience, the importance of seizing opportunities, and the inspiring stories of others serve as a powerful reminder of the impact one can make by living life to the fullest.

In the early to mid 80's the Piqua, OH high school football team needed a manager. Phil Voorhis realizing that he may be a bit small and slow to be playing big time HS football in Ohio thought it would be a good opportunity to be associated with the FB team. This lead to a suggestion from a football coach that he might be interested in attending at Cramer Student Athletic Trainer Workshop at near by Miami University to learn some taping skills and a few nuggets of athletic training knowledge, from unknown to him at the time, Hall of Fame athletic trainers. His time at Miami left an impression. He decided to go there for his undergraduate studies. Working in their internship AT education program he set his sights on med school until organic chemistry derailed his plans. Deciding on charting his career path as an athletic trainer he got a call on a dugout phone while working summer league baseball that set the course of 34 year career as an ATC and all of them at Northern Illinois University. GA to Assistant AT to Head AT and finally to his current position as Associate Athletic Director for Sports Medicine and Athletic Training, Phil has seen it all. He is the Dean of Athletic Trainers in the MidAmerican Conference, as the longest tenure employed AT in the conference. He has also served the profession of athletic training as the President of the Illinois Athletic Trainers Association, IATA Board of Directors, Great Lakes Athletic Trainers Association Annual Meeting Planning Committee. In 2007 he was inducted into the Illinois Athletic Trainers Association Hall of Fame. In 2008 he received the National Athletic Trainers Association Service Award. For the past 39 years he has organized and administered the Northern Illinois University High School Student Athletic Training Workshop. He has also been a advocate in his local community for the placement of AED's in pubic venues and business. Phil resides in DeKalb, Illinois with his his wife Jana and their three daughters.

Juwan Brescacin (@jbrescacinjones82) is a former collegiate football player at Northern Illinois University and the 15th overall Canadian Football League draft pick in 2016. He played 8 years professionally in Canada, winning two Grey Cups (2018 and 2022) before retiring and founding the High Point Athletes Foundation. Today he is pursuing a masters in psychology while mentoring young athletes and teaching them the mental and physical skills needed to exceed on and off the field. In our chat today, we discuss Juwan's athletic journey, overcoming devastating injuries, being mentored as a young athlete, and winning his final Grey Cup as a senior player helping young players lead the team to victory.  Learn more at https://www.highpointathletes.org/ OUR NEW BOOK IS AVAILABLE FOR PREORDER! Jerry and John are so excited about their new book together The Champion Sports Parent: Practical Wisdom for Raising Confident, Competitive, Mentally Tough Athletes. Release date is October 1, but we are taking preorders now and hopefully getting you the book before it is available for the public. This book is a great compliment to The Champion Teammate, as your parents are a huge part of your culture. Click here to order now or email John@ChangingTheGameProject.com to inquire about bulk book pricing! NEW WOC MASTERMIND AND CERTIFICATION PROGRAM As you may have heard, we decided to cancel our 2024 Way of Champions Conference, which opens up the opportunity for us to begin a year long mastermind and coach certification program in the Way of Champions and CTGP materials. If you want to simply take a deeper dive then ever offered before into your coaching and personal development, or work within your school or club improving coaching or transforming the culture, or you want to hit the road as a speaker and presenter working with teams and youth sports organizations, we will give you the tools and support to do so. We are collecting names who are interested at this moment in learning more, you can do so by clicking here and adding your name and email to the list. PUT IN YOUR BULK BOOK ORDERS FOR OUR BESTSELLING BOOKS! Programs such as UNC soccer and lacrosse, Syracuse lacrosse, Stanford Lacrosse, Middlebury College, Colby College, Rutgers University, and many other champions are using THE CHAMPION TEAMMATE book with their athletes. Schools and clubs are using EVERY MOMENT MATTERS for staff development and book clubs. Are you?  We have been fulfilling numerous bulk orders for some of the top high school and collegiate sports programs in the country, will your team be next? Click here to visit John's author page on Amazon Click here to visit Jerry's author page on Amazon Please email John@ChangingTheGameProject.com if you want discounted pricing on 10 or more books on any of our books. Thanks everyone. This week's podcast is brought to you by our friends at Sprocket Sports.  Sprocket Sports is a new software platform for youth sports clubs.  There are a lot of these systems out there, but Sprocket provides the full enchilada. They give you all the cool front-end stuff to make your club look good– like websites and marketing tools – AND all the back-end transactions and services to run your business better so you can focus on what really matters – your players and your teams. Sprocket is built for those clubs looking to thrive, not just survive, in the competitive world of youth sports clubs.  So if you've been looking for a true business partner – not just another app – check them out today at https://sprocketsports.me/CTG. Become a Podcast Champion! This weeks podcast is also sponsored by our Patreon Podcast Champions. Help Support the Podcast and get FREE access to our most popular online courses, a $300 value. If you love the podcast, we would love for you to become a Podcast Champion, (https://www.patreon.com/wayofchampions) for as little as a cup of coffee per month (OK, its a Venti Mocha), to help us up the ante and provide even better interviews, better sound, and an overall enhanced experience. Plus, as a $10 per month Podcast Super-Champion, you will have access to never before released and bonus material, including: Downloadable transcripts of our best podcasts, so you don't have to crash your car trying to take notes! A code to get free access to our online course called “Coaching Mastery,” usually a $97 course, plus four other courses worth over $100, all yours for free for becoming a patron. Other special bonus opportunities that come up time to time Access to an online community of coaches like you who are dedicated listeners of the podcast, and will be able to answer your questions and share their coaching experiences

Are we going to end hazing? To answer that question, we turned to Dr. Carolyn Eastlin, the Director of Institutional Equity at Oklahoma City Community College. Dr. Eastlin earned a Doctor of Education in Educational Leadership from the Educational Foundations and Leadership Department at the University of Louisiana at Lafayette. She also obtained a Master of Science in Education in Adult Education from the Counseling Adult and Higher Education Department and Bachelor of General Studies from the College of Liberal Arts and Sciences at Northern Illinois University. Dr. Eastlin's research interests include: (1) Hazing within Black Greek-letter organizations (BGLOs); (2) The effect of state anti-hazing statues on BGLOs; and (3) How hazing deaths effect BGLOs group decision making. She aspires to use this knowledge to create anti-hazing trainings and leadership trainings that elicit an emotional response that results in changed behaviors within BGLOs and other multicultural organizations. Email her at: ceastlin@thececollaborative.net In episode 491 of the Fraternity Foodie Podcast, we find out why she chose Northern Illinois for her undergraduate and Masters collegiate experience, why she chose Sigma Gamma Rho Sorority, Inc., what she would do differently about her experience as NPHC President, what are her responsibilities as Director of Institutional Equity at Oklahoma City Community College, how we can make our Fraternities and Sororities more welcoming for students with disabilities, how we can make our fraternities and sororities more diverse, are we going to end hazing in college fraternities and sororities, and how students without positions in their organizations can still be leaders. Enjoy!

Andrew Bailey, is a Professor of Philosophy at Yale-NUS College, Bradley Rettler is a Professor of Philosophy at the University of Wyoming and Craig Warmke is a Professor of Philosophy at Northern Illinois University. In this episode we discuss their book Resistance Money and the global net-benefits of Bitcoin. – Show notes: https://www.whatbitcoindid.com/podcast/resistance-money This episode's sponsors: IREN - Bitcoin Mining. Done Sustainably. Swan Bitcoin - Invest in Bitcoin with Swan Ledger - State of the art Bitcoin hardware wallet Bitcasino - The Future of Gaming is here Casa - Take control of your digital wealth CheatCode - Sydney, Australia Oct 25–26 XAPO Bank - The only way to bank your Bitcoin

“When asking a question like this…it's tempting to replace it with the question ‘is Bitcoin good for me?', and then you're off to bag-pumping or bag-dumping; so what we tried to do here is to give a bit more precision to the question: ‘is Bitcoin good for the world?'”— Andrew BaileyAndrew Bailey, is a Professor of Philosophy at Yale-NUS College, Bradley Rettler is a Professor of Philosophy at the University of Wyoming and Craig Warmke is a Professor of Philosophy at Northern Illinois University. In this episode we discuss their book Resistance Money and the global net-benefits of Bitcoin.- - - -This episode's sponsors:IREN - Bitcoin Mining. Done Sustainably Swan Bitcoin - Invest in Bitcoin with Swan Bitcasino - The Future of Gaming is here Ledger- State of the art Bitcoin hardware wallet Casa - Take control of your digital wealth CheatCode - Sydney, Australia Oct 25–26Ledn - Save. Borrow. Trade.Xapo Bank - The only way to bank your Bitcoin-----WBD848 - Show Notes----- If you enjoy The What Bitcoin Did Podcast you can help support the show by doing the following: Become a Patron and get access to shows early or help contribute Make a tip: Bitcoin: 3FiC6w7eb3dkcaNHMAnj39ANTAkv8Ufi2S QR Codes: Bitcoin If you do send a tip then please email me so that I can say thank you Subscribe on iTunes | Spotify | Stitcher | SoundCloud | YouTube | Deezer| TuneIn | RSS FeedLeave a review on iTunesShare the show and episodes with your friends and family Subscribe to the newsletter on my websiteFollow me on Twitter Personal | Twitter Podcast | Instagram | Medium|YouTubeIf you are interested in sponsoring the show, you can read more about that here or please feel free to drop me an email to discuss options.

Jim Hendricks has dedicated his entire career to the realm of finance. He embarked on this path after earning a bachelor's degree in accounting from Northern Illinois University in 1994. Although he initially trained as a Certified Public Accountant (CPA) and worked in various financial roles including as a controller for a division of a large corporation, Jim realized early on that a traditional accounting career was not his ultimate calling. In pursuit of a more fulfilling career, Jim ventured into the financial advisory sector in 2002, joining a prominent "Wall Street" firm. Disenchanted by the high-pressure environment focused on generating commissions and the formal corporate culture, Jim decided to strike out on his own. In 2004, he founded what is today known as Hendricks Wealth and Estate Management. His decision to start his own firm marked the most pivotal move of his professional life, establishing a business intended to endure for decades. Outside of his professional life, Jim is a father to three children, with one currently in college and the other two in high school. While they are each forging their unique paths to success, Jim holds a hopeful outlook that they might one day join the family business. However, he respects their journeys, acknowledging that they may not follow his recommended trajectory. Jim's philosophy extends beyond his professional endeavors; he is committed to living an engaging life and insists on infusing fun into every day. Whether it's through creative pursuits, swimming, golf, playing drums, or inventing games, Jim finds joy in active and creative engagements. Since childhood, he has enjoyed transforming everyday activities into games, a strategy that has served him well in setting and achieving goals. This approach not only enriches his personal life but also informs his professional interactions, offering his clients a dynamic pathway toward financial stability. A self-described highly motivated individual, Jim has a compelling story about what drove his intense self-motivation—a narrative he shares enthusiastically when given the opportunity. Listen to this insightful RIA episode with Jim Hendricks about the transition from accounting to financial planning. Here is what to expect on this week's show: - How Hendricks Wealth and Estate Management differentiates itself through focusing on detailed, planning-oriented financial advice. - Why Hendricks Wealth and Estate Management focuses on calculating a precise spending number instead of using generic percentage-based estimates. - How retirement planning should have tailored strategies to meet everyone's needs. - Why the strategic allocation of assets among beneficiaries helps minimize tax liabilities and optimize estate value. - How Hendricks Wealth and Estate Management operates similarly to a multifamily office, providing comprehensive services under one roof. Connect with Jim: Links Mentioned: jghfs.com Facebook facebook.com/hendrickswealth LinkedIn linkedin.com/company/hendrickswealth Learn more about your ad choices. Visit megaphone.fm/adchoices

Every American who has a mortgage is required by their bank to have homeowners insurance, but getting it and keeping it is becoming a challenge. In this episode, hear the highlights of a Senate hearing examining the problems in the homeowners insurance market and why they might lead to much bigger problems next time disaster strikes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Effects of Climate on Insurance Christopher Flavelle and Mira Rojanasakul. May 13, 2024. The New York Times. Chris Van Hollen et al. September 7, 2023. Chris Van Hollen, U.S. Senator for Maryland. Alice C. Hill. August 17, 2023. Council on Foreign Relations. Insurance Information Institute. Antonio Grimaldi et al. November 19, 2020. McKinsey & Company. Lobbying OpenSecrets. OpenSecrets. OpenSecrets. Heritage Foundation SourceWatch. Demotech William Rabb. April 15, 2024. Insurance Journal. Parinitha Sastry et al. December 2023. Fannie Mae Adam Hayes. May 17, 2023. Investopedia. Hurricanes National Oceanic and Atmospheric Administration. National Oceanic and Atmospheric Administration. Audio Sources Senate Committee on the Budget June 5, 2024 Witnesses: Glen Mulready, Insurance Commissioner, State of Oklahoma Rade Musulin, Principal, Finity Consulting Dr. Ishita Sen, Assistant Professor of Finance, Harvard Business School Deborah Wood, Florida Resident , Research Fellow, Heritage Foundation's Grover Hermann Center for the Federal Budget Clips 23:05 Sen. Sheldon Whitehouse (D-RI): In 2022 and 2023, more than a dozen insurance companies left the Florida residential market, including national insurers like Farmers. Residents fled to Citizens Property Insurance, the state backed insurer of last resort, which ballooned from a 4% market share in 2019 to as much as 17% last year. If it has to pay out claims that exceed its reserves, citizens can levy a surcharge on Florida insurance policy holders across the state. Good luck with that. Particularly if the surcharge grows to hundreds or even thousands of dollars to depopulate its books. Citizens has let private insurers cherry pick out its least risk policies. Those private insurers may have problems of their own, as we will hear today. 25:10 Sen. Sheldon Whitehouse (D-RI): The federal budget takes a hit because these insurers and their policies are accepted by Freddie Mac and Fannie Mae, who either own or guarantee a large part of our $12 trillion mortgage market. This all sounds eerily reminiscent of the run-up to the mortgage meltdown of 2008, including a role of potentially captive or not fully responsible rating agencies. 25:45 Sen. Sheldon Whitehouse (D-RI): Florida is far from alone. A New York Times investigation found that the insurance industry lost money on homeowners coverage in 18 states last year, and the states may surprise you. The list includes Illinois, Michigan, Utah, Washington, and Iowa. Insurers in Iowa lost money each of the last four years. This is a signal that hurricanes and earthquakes, once the most prevalent perils, are being rivaled by hail, windstorms, and wildfires. 28:00 Sen. Sheldon Whitehouse (D-RI): This isn't all that complicated. Climate risk makes things uninsurable. No insurance makes things unmortgageable. No mortgages crashes the property markets. Crashed property markets trash the economy. It all begins with climate risk, and a major party pretending that climate risk isn't real imperils our federal budget and millions of Americans all across the country. 33:45 Sen. Chuck Grassley (R-IA): Insurance premiums are far too high across the board and may increase after the recent storms, including those very storms in my state of Iowa. Climate change isn't the primary driver of insurance rate hikes and collapse of the insurance industry isn't imminent. Although I'll have to say, Iowa had six property and casualty companies pull out of insuring Iowans. Climate change doesn't explain why auto insurance premiums in 2024 have increased by a whopping 20% year over year. It also doesn't account for the consistent failure of liberal cities to fight crime, which has raised insurance risk and even caused insurers to deny coverage. Expensive liberal policies, not climate change, are much to blame for these market dynamics. 39:00 Sen. Sheldon Whitehouse (D-RI): The first witness is Rade Musulin. Rade is an actuary with 45 years of experience in insurance, specializing in property pricing, natural perils, reinsurance, agriculture, catastrophe, risk modeling, public policy development, and climate risk. Specifically, he spent many years working in Florida, including as chair of the Florida Hurricane Catastrophe Fund Advisory Council during the time in which Citizens Property Insurance Corporation was established. 39:35 Sen. Sheldon Whitehouse (D-RI): Our second witness is Dr. Ishida Sen. Dr. Sen is an Assistant Professor at Harvard Business School. Her recent research examines the pricing of property insurance and the interactions between insurance and mortgage markets. This includes the role that institutions and the regulatory landscape play and the broader consequences for real estate markets, climate adaptation, and our overall financial stability. 40:00 Sen. Sheldon Whitehouse (D-RI): Our third witness is Deb Wood. Ms. Wood and her husband Dan McGrath are both retired Floridians. They moved to South Florida in 1979 and lived in Broward County, which includes Fort Lauderdale for 43 years until skyrocketing insurance premiums became too much. They now reside in Tallahassee, Florida. 40:35 Sen. Chuck Grassley (R-IA): Dr. EJ Antoni is a Research Fellow at the Heritage Foundation Grover M. Hermann Center for the Federal Budget. His research focuses on fiscal and monetary policy, and he previously was an economist at the Texas Public Policy Foundation. Antoni earned his Master's degree and Doctor's degree in Economics from Northern Illinois University. 41:10 Sen. Chuck Grassley (R-IA): Commissioner Glen Mulready has served as Oklahoma's 13th Insurance Commissioner and was first elected to this position in 2019. Commissioner Mulready started his insurance career as a broker in 1984, and also served in the Oklahoma State House of Representatives. 42:15 Rade Musulin: Okay. My name is Ray Muslin. I'm an actuary who has extensive experience in natural hazard risks and funding arrangements for the damage and loss they cause. I've worked with many public sector entities on policy responses to the challenges of affordability, availability of insurance, and community resilience. This work included participating in Florida's response to Hurricane Andrew, which included the creation of the Florida Hurricane Catastrophe Fund and Citizens Property Insurance Corporation. The Cat Fund and Citizens can access different forms of funding than traditional insurance companies. Instead of holding sufficient capital or reinsurance before an event to cover the cost of potential losses, both entities use public sources of capital to reduce upfront costs by partially funding losses post-event through bonding and assessments. All property casualty insurance policy holders, whether in Citizens or not, are subject to its assessments. While the Cat Fund can also assess almost all policies, including automobile, this approach exposes Floridians to debt and repayment if large losses occur, and it subsidizes high risk policies from the entire population. These pools, others like them in other states, and the NFIP have contributed to rapid development in high risk areas driving higher costs in the long run. In Florida, national insurers have reduced their exposure as a significant proportion of the insurance market has moved to Citizens or smaller insurers with limited capital that are heavily dependent on external reinsurance. To date, Florida's system has been successful in meeting its claims obligations, while improvements in building codes have reduced loss exposure. However, for a variety of reasons, including exposure to hurricanes, claims cost inflation, and litigation, Florida's insurance premiums are the highest in the nation, causing significant affordability stress for consumers. According to market research from Bankrate, the average premium for a $300,000 home in Florida is three times the national average, with some areas five times the national average. A major hurricane hitting a densely populated area like Miami could trigger large and long lasting post-event assessments or even exceed the system's funding capacity. Continued rapid exposure growth and more extreme hurricane losses amplified by climate change will cause increasing stress on the nation's insurance system, which may be felt through solvency issues, non-renewals, growth of government pools, and affordability pressure. 44:55 Rade Musulin: Evidence of increasing risk abounds, including Hurricane Otis in 2023, which rapidly intensified from a tropical storm to a cat. five hurricane and devastated Acapulco in Mexico last summer. Water temperatures off Florida exceeded a hundred degrees Fahrenheit last week. As was alluded to earlier, NOAA forecast an extremely active hurricane season for '24. We've seen losses in the Mid-Atlantic from Sandy, record flooding from Harvey, and extreme devastation from Maria, among others. In coming decades, we must prepare for the possibility of more extreme hurricanes and coastal flooding from Texas to New England. 46:50 Dr. Ishita Sen: Good morning Senators. I am Ishita Sen, Assistant Professor at Harvard Business School and my research studies insurance markets. In recent work with co-authors at Columbia University and the Federal Reserve Board, I examine how climate risk creates fiscal and potentially financial instability because of miscalibrated insurer screening standards and repercussions to mortgage markets. 47:15 Dr. Ishita Sen: Insurance is critical to the housing market. Property insurers help households rebuild after disasters by preserving collateral values and reducing the likelihood that a borrower defaults. Insurance directly reduces the risks for mortgage lenders and the Government-Sponsored Enterprises (GSEs) such as Fannie Mae and Freddie Mac Mortgage Lenders therefore require property insurance and the GSEs only purchase mortgages backed by insurers who meet minimum financial strength ratings, which measure insurer solvency and ability to pay claims. The GSEs accept three main rating agencies AM Best, S & P and, more recently, Demotech. And to provide an example, Fannie Mae requires insurers to have at least a B rating from AM Best, or at least an A rating from Demo Tech to accept a mortgage. Now, despite having this policy in place, we find a dramatic rise in mortgages backed by fragile insurers and show that the GSEs and therefore the taxpayers ultimately shoulder a large part of the financial burden. Our research focuses on Florida because of availability of granular insurance market data, and we show that traditional insurers are exiting and the gap is rapidly being filled by insurers, rated by Demotech, which has about 60% market share in Florida today. These insurers are low quality across a range of different financial and operational metrics, and are at a very high risk of becoming insolvent. But despite their risk, these insurers secure high enough ratings to meet the minimum rating requirements set by the GSEs. Our analysis shows that many actually would not be eligible under the methodologies of other rating agencies, implying that in many cases these ratings are inflated and that the GSEs insurer requirements are miscalibrated. 49:20 Dr. Ishita Sen: We next look at how fragile insurers create mortgage market risks. So in the aftermath of Hurricane Irma, homeowners with a policy from one of the insolvent Demotech insurers were significantly more likely to default on their mortgage relative to similar borrowers with policies from stable insurers. This is because insurers that are in financial trouble typically are slower to pay claims or may not pay the full amounts. But this implies severe economic hardships for many, many Floridians despite having expensive insurance coverage in place. However, the pain doesn't just stop there. The financial costs of fragile insurers go well beyond the borders of Florida because lenders often sell mortgages, for example, to the GSEs, and therefore, the risks created by fragile insurers spread from one state to the rest of the financial system through the actions of lenders and rating agencies. In fact, we show two reasons why the GSEs bear a large share of insurance fragility risk. First is that lenders strategically securitize mortgages, offloading loans backed by Demotech insurers to the GSEs in order to limit their counterparty risk exposures. And second, that lenders do not consider insurer risk during mortgage origination for loans that they can sell to the GSEs, even though they do so for loans that they end up retaining, indicating lax insurer screening standards for loans that can be offloaded to the GSEs. 50:55 Dr. Ishita Sen: Before I end, I want to leave you with two numbers. Over 90%. That's our estimate of Demotech's market share among loans that are sold to the GSEs. And 25 times more. That's Demotech's insolvency rate relative to AM Best, among the GSE eligible insurers. 57:15 Glen Mulready: As natural disasters continue to rise, understanding the dynamics of insurance pricing is crucial for both homeowners and policymakers. Homeowners insurance is a fundamental safeguard for what is for many Americans their single largest asset. This important coverage protects against financial loss due to damage or destruction of a home and its contents. However, recent years have seen a notable increase in insurance premiums. One significant driver of this rise is convective storms and other severe weather events. Convective storms, which include phenomena like thunderstorms, tornadoes, and hail, have caused substantial damage in various regions. The cost to repair homes and replace belongings after such events has skyrocketed leading insurance companies to adjust their premiums to cover that increased risk. Beyond convective storms, we've witnessed hurricanes, wildfires, and flooding. These events have not only caused damage, but have also increased the long-term risk profile of many areas. Insurance companies are tasked with managing that risk and have responded by raising premiums to ensure they can cover those potential claims. 58:30 Glen Mulready: Another major factor influencing homeowner's insurance premiums is inflation. Inflation affects the cost of building materials, labor, and other expenses related to home repair and reconstruction. As the cost of living increases, so does the cost of claims for insurers. When the price of lumber, steel, and other essential materials goes up, the expense of repairing or rebuilding homes also rises. Insurance companies must reflect these higher costs in their premiums to maintain financial stability and ensure they can meet those contractual obligations to policyholders. 59:35 Glen Mulready: I believe the most essential aspect of managing insurance premiums is fostering a robust, competitive free market. Competition among insurance companies encourages innovation and efficiency, leading to better pricing and services for consumers. When insurers can properly underwrite and price for risk, they create a more balanced and fair market. This involves using advanced data analytics and modeling techniques to accurately assess the risk levels of different properties. By doing so, insurance companies can offer premiums that reflect the true risk, avoiding excessive charges for low risk homeowners, and ensuring high risk properties are adequately covered. Regulation also plays a crucial role in maintaining a healthy insurance market. Policyholders must strike a balance between consumer protection and allowing insurers the freedom and flexibility to adjust their pricing based on the risk. Overly stringent regulations can stifle competition and lead to market exits, reducing choices for consumers. We've seen this play out most recently in another state where there were artificial caps put in place on premium increases that worked well for consumers in the short term, but then one by one, all of the major insurers began announcing they would cease to write any new homeowners insurance in that state. These are all private companies, and if there's not the freedom and flexibility to price their products properly, they may have to take drastic steps as we've seen. Conversely, a well-regulated market encourages transparency and fairness, ensuring that homeowners have access to the most affordable and adequate coverage options. 1:02:00 Dr. EJ Antoni: I'm a public finance economist and the Richard F. Aster fellow at the Heritage Foundation, where I research fiscal and monetary policy with a particular focus on the Federal Reserve. I am also a senior fellow at the Committee to Unleash Prosperity. 1:02:15 Dr. EJ Antoni: Since January 2021, prices have risen a cumulative 19.3% on average in the American economy. Construction prices for single family homes have risen much faster, up 30.5% during the same time. 1:03:20 Dr. EJ Antoni: Actuarial tables used in underwriting to estimate risk and future losses, as well as calculate premiums, rely heavily on those input costs. When prices increase radically, precisely as has happened over the last several years, old actuarial tables are of significantly less use when pricing premiums because they will grossly understate the future cost to the insurer. The sharp increase in total claim costs since 2019 has resulted in billions of dollars of losses for both insurers and reinsurers prompting large premium increases to stop those losses. This has put significant financial stress on consumers who are already struggling with a cost of living crisis and are now faced with much higher insurance premiums, especially for homeowners insurance. 1:05:10 Dr. EJ Antoni: The increase in claims related to weather events has undoubtedly increased, but it is not due to the climate changing. This is why the insurance and reinsurance markets do not rely heavily on climate modeling when pricing premiums. Furthermore, climate models are inherently subjective, not merely in how the models are constructed, but also by way of the inputs that the modeler uses. In other words, because insufficient data exists to create a predictive model, a human being must make wide ranging assumptions and add those to the model in place of real world data. Thus, those models have no predictive value for insurers. 1:07:40 Sen. Sheldon Whitehoue (D-RI): You say that this combination of demographics, development, and disasters poses a significant risk to our financial system. What do you mean by risk to our financial system Rade Musulin: Well, Senator, if you look at the combination, as has been pointed out, of high growth and wealth accumulation in coastal areas, and you look at just what we've observed in the climate, much less what's predicted in the future, there is significant exposure along the coastline from Maine to Texas. In fact, my family's from New Jersey and there is enormous development on the coast of New Jersey. And if we start to get major hurricanes coming through those areas, the building codes are probably not up to the same standards they are in Florida. And we could be seeing some significant losses, as I believe was pointed out in the recent Federal Reserve study. Sen. Sheldon Whitehoue (D-RI): And how does that create risk to the financial system? Rade Musulin: Well, because it's sort of a set of dominoes, you start with potentially claims issues with the insurers being stressed and not able to pay claims. You have post-event rate increases as we've seen in Florida, you could have situations where people cannot secure insurance because they can't afford it, then that affects their mortgage security and so on and so forth. So there are a number of ways that this could affect the financial system, sir. Sen. Sheldon Whitehoue (D-RI): Cascading beyond the immediate insurer and becoming a national problem. Rade Musulin: Well, I would just note Senator, that in Florida, the real problems started years after we got past Andrew. We got past paying the claims on Andrew, and then the big problems occurred later when we tried to renew the policies. 1:10:50 Sen. Sheldon Whitehouse (D-RI): And you see in this, and I'm quoting you here, parallels in the 2008 financial crisis. What parallels do you see? Dr. Ishita Sen: So just like what happened during the financial crisis, there were rating agencies that gave out high ratings to pools of mortgages backed by subprime loans. Here we have a situation where rating agencies like Demotech are giving out inflated ratings to insurance companies. The end result is sort of the same. There is just too much risk and too many risky mortgages being originated, in this case backed by really low quality insurers that are then entering the financial system. And the consequences of that has to be born by, of course the homeowners, but also the mortgage owners, GSCs (Government Sponsored Enterprises), the lenders, and ultimately the federal and state governments. Sen. Sheldon Whitehouse (D-RI): You say, this will be my last question. The fragility of property insurers is an important channel through which climate risk might threaten the stability of mortgage markets and possibly the financial system. What do you mean when you refer to a risk to the financial system? Dr. Ishita Sen: Well, as I was explaining the GSEs, if there are large losses that the GSEs face, then those losses have to be plugged by somebody. So the taxpayers, that's one channel through which you've got risk to the financial system and the GSE's serve as a backstop in the mortgage market. They may not have the ability or capacity to do so in such a scenario, which affects mortgage backed security prices, which are held by all sorts of financial institutions. So that starts affecting all of these institutions. On the other hand, if you've got a bunch of insurers failing, another channel is these insurers are one of the largest investors in many asset classes like corporate bonds, equities, and so on. And they may have to dump these securities at inopportune times, and that affects the prices of these securities as well. 1:12:45 Sen. Chuck Grassley (R-AI): Dr. Antoni, is there any evidence to support the notion that climate change is the greatest threat to the insurance market? Dr. EJ Antoni: No. Senator, there is not. And part of that has to do again, with the fact that when we look at the models that are used to predict climate change, we simply don't have enough empirical data with which we can input into those models. And so as a result of that, we have to have human assumptions on what we think is going to happen based essentially on a guess. And as a result of that, these models really are not of any predictive value, and that's why these models for the last 50 years have been predicting catastrophic outcomes, none of which have come true. 1:14:45 Glen Mulready: This focus on the rating agencies, I would agree with that if that were the be all end all. But the state insurance commissioners in each 50 states is tasked with the financial solvency of the insurance companies. We do not depend on rating agencies for that. We are doing financial exams on them. We are doing financial analysis every quarter on each one of them. So I would agree if that was the sort of be all end all, forgive that phrase, but it's not at all. And we don't depend very much at all on those rating agencies from our standpoint. 1:22:15 Dr. Ishita Sen: On the point about regulators looking at -- rating agencies is not something that we need to look at. I would just point out that in Florida, if you look at the number of exams that the Demotech rated insurers, that by the way have a 20% insolvency rate relative to 0% for traditional insurers, they get examined at the same rate as the traditional insurers like Farmers and AllState get examined, which is not something that you would expect if you're more risky. You would expect regulators to come look at them much, much more frequently. And the risk-based capital requirements that we have currently, which were designed in the 1980s, they're just not sensitive enough to new risks like wildfire and hurricanes and so on. And also not as well designed for under-diversified insurance companies because if so, all of these insurers were meeting the risk-based capital requirements, however, at the same time going insolvent at the rate of 20%. So those two things don't really go hand in hand. 1:23:25 Dr. Ishita Sen: Ultimately what the solution is is something that is obviously the main question that we are here to answer, but I would say that it is extremely hard to really figure out what the solution is, in part because we are not in a position right now to even answer some basic facts about how big the problem is, what exactly the numbers look like. For instance, we do not know basic facts about how much coverage people have in different places, how much they're paying. And when I say we don't know, we don't know this at a granular enough level because the data does not exist. And the first step towards designing any policy would be for us to know exactly how bad the problem is. And then we come up with a solution for that and start to evaluate these different policy responses. Right now we are trying to make policy blindfolded. 1:23:50 Sen. Ron Johnson (R-WI): So we've had testimony before this committee that we've already spent $5-6 trillion. That's 5,000 to 6,000 billion dollars trying to mitigate climate change. We haven't made a dent in it. Their estimates, it's going to cost tens of trillions of dollars every year to reach net zero. So again, this is not the solution for a real problem, which is the broken insurance market. I have enough Wisconsin residents who live on the Gulf Coast in Florida to know after Hurricane Ian, you got some real problems in Florida. But fixing climate change isn't the solution. 1:33:15 Sen. Jeff Merkley (D-OR): In looking at the materials I saw that Citizens Property Insurance Company, I gather that's Louisiana and Florida, that have a completely state backed program. Well, alright, so if the state becomes the insurer of last resort and they now suffer the same losses that a regular private insurance company is suffering, now the folks in the state are carrying massive debt. So that doesn't seem like a great solution. Dr. Ishita Sen: That's definitely a problem, right? The problem is of course, that whether the state then has the fiscal capacity to actually withstand a big loss, like a big hurricane season, which is a concern that was raised about Citizens. And in such a scenario then in a world where they do not have enough tax revenue, then they would have to go into financial markets, try to borrow money, which could be very costly and so on. So fiscally it's going to be very challenging for many cities and many municipalities and counties and so on. 1:36:40 Sen. Mitt Romney (R-UT): I wish there were something we could do that would reduce the climate change we're seeing and the warming of the planet. But I've seen absolutely nothing proposed by anyone that reduces CO2 emissions, methane gases and the heating of the planet. Climate change is going to happen because of the development in China and Indonesia and Brazil, and the only thing that actually makes any measurable impact at all is putting a price on carbon, and no one seems to be willing to consider doing that. Everything else that's being talked about on the climate — Democratic Senator: I got two bills. Sen. Mitt Romney (R-UT): I know you and I are, but you guys had reconciliation. You could have done it all by yourselves and you didn't. So the idea that somehow we're going to fix climate and solve the insurance problem is pie in the sky. That's avoiding the reality that we can't fix climate because that's a global issue, not an American issue. Anyway, let me turn back to insurance. 1:38:30 Sen. Mitt Romney (R-UT): So the question is, what actions can we take? Fiscal reform? Yes, to try and deal with inflation. Except I want to note something, Mr. Antoni, because you're esteemed at the Heritage Foundation. 72% of federal spending is not part of the budget we vote on. So we talk about Biden wants to spend all this.... 72% we don't vote on; we only vote on 28%. Half of that is the military. We Republicans want more military spending, not less. So that means the other 14%, which the Democrats want to expand, there's no way we can reduce the 14% enough to have any impact on the massive deficits we're seeing. So there's going to have to be a broader analysis of what we have to do to reign in our fiscal challenges. I just want to underscore that. I would say a second thing we can do, besides fiscal reform and dealing with inflation, is stopping subsidizing high risk areas. Basically subsidizing people to build expensive places along the coast and in places that are at risk of wildfire. And we subsidize that and that creates huge financial risk to the system. And finally, mitigation of one kind or another. That's the other thing we can do is all sorts of mitigation: forestry management, having people move in places that are not high risk. But if you want to live in a big house on the coast, you're gonna have to spend a lot of money to insure it or take huge risk. That's just the reality. So those are the three I come up with. Stop the subsidy, mitigation, and fiscal reform. What else am I missing, Mr. Musulin? And I'm just going to go down the line for those that are sort of in this area to give me your perspectives. Rade Musulin: Well, thank you, Senator. And I'd agree with all those things. And I'd also add that we need to start thinking about future-proofing our building codes and land use policies. The sea levels are rising. If you're going to build a house that's supposed to last 75 years, you ought to be thinking about the climate in 75 years when you give somebody a permit to build there. So I'd say that's important. I'd also say that large disasters also drive inflation because it puts more pressure and demand on labor and materials. More disasters means supplies that could have been used to build new homes for Americans or diverted to rebuild homes in the past. So certainly doing things to reduce the vulnerability of properties and improve their resilience is important. And I do think, sir, that there are things we can do about climate change with respect over periods of decades that can make a difference in the long run. Thank you. Sen. Mitt Romney (R-UT): Thank you. Yes. Dr. Ishita Sen: So before that, the one point about inflation that we are missing, which is without doubt it is a contributing factor, but the US has had inflation in the past without such an acute crisis in insurance markets. So whether that is the biggest cause or not is up for debate. I don't think we have reached a conclusion on inflation being the biggest contributor of rising insurance cost. Sen. Mitt Romney (R-UT): It's just a big one. You'd agree It's a big one? Dr. Ishita Sen: I agree. It's a big one, but I wouldn't say it's the biggest one in terms of policy solutions. I completely agree with you on, we need to stop subsidizing building in high risk areas. That's definitely one of the things we need to do that. Mitigation, another point that you bring up. And on that, I would say not only do we need to harden our homes, but we also need to harden our financial institutions, our banks, and our insurance companies in order to make them withstand really large climate shocks that are for sure coming their way. Sen. Mitt Romney (R-UT): Thank You, Ms. Wood. I'm going to let you pass on this just because that's not your area of expertise. Your experience was something which focused our thinking today. Mr. Mulready. Glen Mulready: Thank you, Senator. I would say amen to your comments, but I'll give you three quick things. Number one, FEMA has a survey out that states that every $1 spent in mitigation saves $6 in lost claims. It pays off. Number two, unfortunately, a lot of communities have to have a disaster happen. In Moore, Oklahoma, back a dozen years ago, an EF5 (tornado) hit, it was just totally devastating. After that, the city of Moore changed their zoning, they changed their building zoning codes, and then third, the city of Tulsa, back in the eighties, had horrible flooding happened. So they invested over decades in infrastructure to prevent flooding. Now we're one of only two communities in the country that are Class one NFIP rated. 1:45:40 Sen. Chris Van Hollen (D-MD): One way to address this, and I think it was discussed in a different matter, is the need to get the data and to get consensus on where the risks lie, which is why last year Senator Whitehouse, Senator Warren and I sent a letter to the Treasury Department, to the Federal Insurance Office (FIO), urging them to collect information from different states. I'm a supporter of a state-based insurance system for property and casualty insurance, but I do think it would benefit all of us to have a sort of national yardstick against which we can measure what's happening. So Dr. Sen, could you talk a little bit about the benefit of having a common source of insurance data through the FIO and how that could benefit state regulators and benefit all of us? Dr. Ishita Sen: Yeah, absolutely. Thanks for bringing that up. That's just the first order importance, I think, because we don't even know the basic facts about this problem at a granular enough level. The risks here are local, and so we need to know what's going zip code-by-zip code, census tract-by-census tract, and for regulators to be able to figure out exactly how much risk is sitting with each of these insurance companies they need to know how much policies they're writing, what's the type of coverage they're selling in, what are the cancellations looking like in different zip codes. Only then can they figure out exactly how exposed these different insurers are, and then they can start designing policy about whether the risk-based capital ratios look alright or not, or should we put a surcharge on wildfires or hurricanes and so on? And we do need a comprehensive picture. We just can't have a particular state regulator look at the risks in that state, because of course, the insurer is selling insurance all over the country and we need to get a comprehensive picture of all of that. 1:47:40 Sen. Chris Van Hollen: I appreciate that. I gather that the Treasury Department is getting some resistance from some state insurance regulators. I hope we can overcome that because I'm not sure why anyone would want to deny the American people the benefit of the facts here. 1:48:45 Rade Musulin: I will just note that sometimes climate change itself can contribute to the inflation we've been talking about. For example, there were beetle infestations and droughts and fires in Canada, which decimated some of the lumber crop and led to a fivefold increase in the cost of lumber a few years ago. So some of this claims inflation is actually related to climate change, and I think we need to address that. 1:49:35 Glen Mulready: If you didn't know, the NAIC, National Association of Insurance Commission is in the midst of a data collection right now that will collect that data for at least 80% of the homeowner's market. And we have an agreement with FIO (Federal Insurance Office) to be sharing that data with them. They originally came to us, I got a letter from FIO and they were requesting data that we did not actually collect at the zip code level, and they had a very stringent timeline for that. So my response, it wasn't, no, it was just, look, we can't meet that timeline. We don't collect that today. We can in the future. But from that is where this has grown the data called by the NEIC. Sen. Chris Van Hollen (D-MD): So I appreciate, I saw that there had been now this effort on behalf of the....So has this now been worked out? Are there any states that are objecting, to your knowledge at this point in time, in terms of sharing data? Glen Mulready: I don't know about specific states. We will be collecting data that will represent at least 80% of the market share. Music by Editing Production Assistance

SEASON 2 EPISODE 123: COUNTDOWN WITH KEITH OLBERMANN A-Block (1:44) SPECIAL COMMENT: The Kansas City Super Bowl Parade shooting took place on the sixth anniversary of the Parkland shooting. And it took place on the sixteenth anniversary of the Northern Illinois University shooting. And two days ago was the anniversary of the Michigan State shooting. And next Monday will be twelve years since Alabama-Huntsville and two years since Portland and seventeen since Bethel Alaska and and and... We are here because mass shootings - and the bullshit about "Good Guys With Guns" and "equip the police better" - are the backbone of the gun industry and the politicians and judges and states it owns. And so we will have to financially break the backs of that industry and those politicians and judges and states. Because now it's them or us. B-Block (23:05) THE WORST PERSONS IN THE WORLD: A match made in TV Old Age Heaven: NewsNation hires Geraldo. Rep. Greg Murphy implies Vice President Harris is stupid - and mispronounces her name. And if the latest January 6 arrested suspect is named Method, the joke is inevitable. C-Block (29:15) THINGS I PROMISED NOT TO TELL: I offered Netflix ownership of the news industry. Its leaders worried only about the subtitles, and what would happen if one day the shows didn't upload. Seriously.    See omnystudio.com/listener for privacy information.