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The Office of Personnel Management on Wednesday awarded its anticipated contract to modernize and consolidate federal human resources functions to Oracle, capping a process that's been over a year in the making. The nearly $400 million award puts Oracle in charge of a process to bring over 100 HR systems under one single platform that the agency is calling its Core Human Capital Management system. OPM says it believes the project will make significant reductions in the overall cost of HR platforms to taxpayers. “Historically, federal agencies have relied on fragmented, aging HR systems that are costly to maintain and difficult to scale,” OPM Director Scott Kupor said in a written statement included in a press release. He called the award “a foundational investment in the future of federal workforce management.” A final award comes over a year after an early effort to award such a contract failed to move forward. In May 2025, the Office of Personnel Management awarded a sole-source contract to Workday to facilitate the Trump administration's HR modernization efforts, arguing it was the only vendor that could do the job. But OPM abruptly canceled that award, and later launched open competition for such a contract. The Cybersecurity and Infrastructure Security Agency on Wednesday ordered federal agencies to prioritize vulnerabilities based on four criteria, as part of a push to “patch smarter, not harder.” Federal agencies should emphasize patches for vulnerabilities that affect a publicly exposed asset, allow an attacker to fully automate exploitation, give attackers the ability to take over control of a system or relate to evidence of active, real-world exploitation, CISA declared. CISA acting director Nick Andersen previewed the binding operational directive (BOD) Tuesday, framing it as a rethinking of vulnerability management more broadly. Andersen said in a statement: “This Directive provides clear definitions, timelines and criteria that enhances transparency, predictability and agencies' resource planning to execute more effective vulnerability remediation." BOD 26-04 sets forth timelines for how quickly agencies must fix a vulnerability based on how many of the four criteria it meets. If it meets all four, for example, agencies need to fix it within three days and carry out a “forensic triage” to assess whether their systems were compromised. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast on Apple Podcasts, Soundcloud, Spotify and YouTube.
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterYou're 60, you have a federal pension and $1M saved — so why doesn't it feel like enough? The answer is 5 unmade decisions, not more dollars.If you are within a year or two of leaving federal service with a FERS pension and a healthy TSP balance, this is the time to stop asking "Am I okay?" and start asking "Have I decided?" In this video, Charles and Marcus break down the 5 Decisions Framework federal employees should work through before finalizing retirement: income order, taxes and RMDs, healthcare, investments, and purpose.Whether you are trying to decide when to file for Social Security, how to manage the tax window before RMDs begin at 73, or how FEHB and Medicare Part B fit together, this episode walks through the planning areas many federal employees overlook — including the two decisions that have nothing to do with a spreadsheet.━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/Social Security Delayed Retirement Credits:https://www.ssa.gov/benefits/retirement/planner/delayret.html━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Age 60 With a Federal Pension and $1M — Am I Okay?2:00 Why "Am I Okay?" Is the Wrong Question3:00 Decision 1: Income Order — Pension, Social Security, or TSP First?5:30 Decision 2: Taxes & RMDs — The Age 73 Cliff and Your Tax Window7:30 Decision 3: Healthcare — FEHB + Medicare Part B9:30 The Two Decisions That Aren't About Money10:00 Decision 4: Investments — From Accumulation to Distribution12:00 Decision 5: Purpose — The Tuesday at 10 AM Test14:00 What to Do This Month If Retirement Is Approaching16:30 "Have I Decided?" — The Real Question18:30 How to Get Answers for Your Specific Situation━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.retire at 60 federal employee, federal pension and TSP retirement, FERS retirement at 60, can I retire with 1 million and a pension, TSP withdrawal strategy, when to take Social Security federal employee, RMD age 73, Roth conversion before RMDs, FEHB and Medicare Part B, IRMAA surcharge, sequence of returns risk, retirement income order, federal retirement planning#federalretirement #FERS #retirement #TSP #federalemployees #retirementsavings #governmentemployee #RetireAt60 #FederalPension #CDFinancialSupport the show
A House Democrat is demanding answers on the Trump administration's proposed nondisclosure agreement for the federal workforce. In a letter to the Office of Personnel Management, Rep. Raja Krishnamoorthi (D-Ill) warns that pushing feds to sign an NDA would undermine First Amendment protections and whistleblower activities. OPM has two weeks to respond to the congressman's new investigation into the legal and workplace-related impacts of the administration's proposal. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
OPM is taking steps to fill positions related to tackling critical agency needs and building out AI systems across the government. In a recent memo, Director Scott Kupor says the agency has created a candidate pool of more than 3,500 qualified candidates through hiring actions including the Tech Force and CyberCorp. Those include positions in IT, project management, contracting, finance and human resources. The candidates have already been vetted as part of the cross-government hiring efforts and can be hired more quickly than the traditional path.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterRetiring This Year? Federal Employees Need More Than a TSP PlanIf you are planning to retire this year as a federal employee, your retirement decision may involve more than your TSP balance. Your FERS pension, TSP income strategy, Social Security timing, and FEHB health coverage all work together, and getting the order wrong can create costly planning gaps.In this video, we break down the 4-lane federal retirement roadmap for employees in their final year before retirement. You will learn why generic retirement advice often fails federal employees, what to verify before signing retirement paperwork, and why health insurance, survivor benefits, and Social Security should not be treated as separate decisions.Whether you are trying to choose your retirement date, protect your spouse, create reliable TSP income, or avoid common FEHB and Medicare mistakes, this episode walks through the planning areas many federal employees overlook.IN THIS VIDEO YOU CAN LEARNWhy federal retirement planning is different from private-sector retirement adviceHow your FERS pension, TSP, Social Security, and FEHB all connectWhy your retirement date can affect your pension, annual leave payout, unused sick leave credit, and potential FERS supplementHow to verify your service computation date and creditable federal serviceWhy military buyback can matter before you retireAnd more━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/OPM FEHB Program:https://www.opm.gov/healthcare-insurance/healthcare/Thrift Savings Plan:https://www.tsp.gov/Social Security Retirement Planner:https://www.ssa.gov/retirementTIMESTAMPS00:00 Retiring This Year as a Federal Employee01:06 Why Generic Retirement Advice Fails Federal Employees02:27 The 4-Lane Federal Retirement Roadmap04:54 Common Federal Retirement Roadblocks07:55 TSP Income Planning and Long-Term Strategy08:26 Survivor Benefits, Spouse Conversations, and Health Coverage10:00 Social Security Timing Mistakes for Federal Employees11:26 Retirement Date, Sick Leave, and Annual Leave Planning13:42 FEHB, Medicare Part B, and Survivor Benefit Coordination16:58 First Steps to Take If You Are One Year From Retirement19:03 Why Sequencing Your Retirement Decisions Matters21:45 Final Checklist and Next StepWHO WE ARECD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.IMPORTANT DISCLAIMERAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Federal retirement planning, FERS retirement, retire this year, federal employee retirement, TSP retirement income, FEHB in retirement, Social Security timing, FERS pension, high-3 average salary, service computation date, military buyback, survivor benefit, Medicare Part B, federal retirement checklist, OPM retirement, federal employee benefits, retirement income planningSupport the show
Agencies are getting a green light to temporarily lift federal telework restrictions during the FIFA World Cup. A new memo from the Office of Personnel Management says agencies operating in U.S. host cities are allowed to offer some limited telework options to employees, as needed. OPM officials say telework may be helpful in cases where cities are experiencing high traffic congestion and commuting delays.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
What separates those who play the game of financial monopoly to win from everyone else? Today, Kris Krohn uncovers eight distinct money tasks that wealthy individuals execute differently than the general public. Pulling from the archives, Kris contrasts the limiting "consumer mindset" with strategic wealth-building actions—such as leveraging OPM (other people's money), scaling a real estate portfolio to 20+ properties, and seeking out a millionaire mentor to compress your learning curve.
Apply for a Retirement Consultation: https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterComment Below:The G Fund Feels Safe, But Is It Really Protecting Your Retirement?If you are a federal employee or retiree using the TSP G Fund because the market feels uncertain, this may be one of the most important retirement planning decisions to review before moving your money. In this video, we break down why going 100% into the G Fund may feel safe in the moment, but could create long-term risks around inflation, income planning, and retirement purchasing power.Whether you are trying to protect your TSP, create stable retirement income, or avoid making emotional investment decisions during a market drop, this episode walks through the planning areas many federal employees overlook when they treat the G Fund as a complete retirement strategy.IN THIS VIDEO YOU CAN LEARNWhy the TSP G Fund may protect your balance but not your purchasing powerHow inflation can quietly affect federal retirees over a 20 to 30-year retirementWhy moving 100% into the G Fund after a market drop can lock in lossesHow fear, headlines, and market volatility can influence TSP decisionsWhy federal employees should avoid copying a co-worker's TSP allocationHow separating short-term income money from long-term growth money may help retirement planningWhy your TSP should have a specific job instead of being treated as one single decisionWhen the G Fund may still have a role as part of a broader retirement income plan━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━TSP G Fund Information:https://www.tsp.gov/funds-individual/g-fund/OPM Retirement Center:https://www.opm.gov/retirement-center/Thrift Savings Plan Information:https://www.opm.gov/retirement-center/my-annuity-and-benefits/thrift-savings-plan/TIMESTAMPS0:00 Why Moving Everything to the G Fund May Be Risky0:28 The Hidden Cost of Being 100% in the G Fund0:53 How Inflation Can Reduce Retirement Purchasing Power1:27 What the TSP G Fund Actually Is2:22 Why 100% of Anything Can Be a Retirement Planning Problem2:45 The Fear Behind G Fund Decisions3:17 Why Retirement Income Money Should Be Separated3:43 Market Drops, Timing Risk, and Selling Shares in Retirement4:18 Four Common G Fund Mistakes Federal Employees Make4:44 Why Forgetting to Redeploy Can Hurt Your TSP Strategy5:10 Why a Co-Worker's TSP Allocation Is Not Your Retirement Plan5:32 Giving Your TSP a Specific Job in Retirement6:10 Next Video: Market Drops and Staying the Course━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.TSP G Fund, G Fund TSP, federal employee retirement, federal retirement planning, Thrift Savings Plan, TSP retirement strategy, G Fund inflation risk, TSP allocation, FERS retirement, federal retirees, retirement income planning, market volatility retirement, TSP mistakes, federal employee benefits, CD Financial#TSPGFund #ThriftSavingsPlan #FederalEmployees #RetirementPlanning #CDFinancialSupport the show
Texas Republicans just traded a sitting U.S. senator for a man under multiple indictments by a 27-point margin. Ken Paxton, the Texas Attorney General with a securities fraud record, a bribery investigation, an impeachment by the Texas House, and a whistleblower settlement Texas taxpayers paid for, crushed two-decade incumbent John Cornyn in the May 26 Republican primary runoff. Cornyn's allies spent over $100 million documenting Paxton's scandals. The voters did not move. That fact is the real story.Host Radell Lewis breaks down what just happened in Texas, what it tells us about the institutional trust collapse underneath the result, and what the November general election against state Representative James Talarico looks like from here. Marine veteran lens applied throughout.Also in this episode:The Democratic National Committee released a 192-page autopsy of the 2024 election on May 21, and then DNC Chair Ken Martin distanced himself from his own report. The document somehow skips Gaza, Biden's age and cognitive decline, inflation, and immigration. Radell walks through why this was a self-inflicted wound and whether Martin should still be chair.The Trump administration says ceasefire with Iran while U.S. forces hit Iranian military targets the same week. Treasury sanctions a newly created Iranian agency charging tolls on Strait of Hormuz traffic. The Hill reports a ceasefire framework is still on the table. The fuel price ripple is what pushed Spirit Airlines into shutdown earlier this month. One story, three downstream symptoms.Three weeks after the Supreme Court gutted Section 2 of the Voting Rights Act in Callais and broke its own 32-day waiting period to enforce the ruling mid-election, the cascade is in real time. Alabama is relocking in maps already struck down in Allen v. Milligan. South Carolina filed a new map. Louisiana finalized a plan eliminating its second majority-Black congressional district. Five states, one cycle, one direction.The Office of Personnel Management posted a draft government-wide NDA for all federal workers on May 26, covering a broad enough scope that almost anything someone in power decides should not be public would be covered. Comment period runs through June 26.And on the cultural undercurrent: new research from the American Institute for Boys and Men documents the biggest increase in hands-on fathering in half a century, and the data does not match the easy explanations.Topics covered: Ken Paxton Senate primary, John Cornyn defeat, James Talarico campaign, DNC 2024 autopsy report, Ken Martin, Iran ceasefire strikes, Strait of Hormuz, Louisiana redistricting, Alabama redistricting, Section 2 Voting Rights Act, Callais ruling, federal worker NDA, OPM proposal, millennial fathers childcare research.Standard Resource Links & RecommendationsThe following organizations and platforms represent valuable resources for balanced political discourse and democratic participation: PODCAST NETWORKCheck Out the Podcast Website: https://www.purplepoliticalbreakdown.comALIVE Podcast Network: Check out the ALIVE Network where you can catch a lot of great podcasts like my own, led by amazing Black voices.Link: https://alivepodcastnetwork.com/ CONVERSATION PLATFORMSHeadOn: A platform for contentious yet productive conversations. It's a place for hosted and unguided conversations where you can grow a following and enhance your conversations with AI features.Link: https://app.headon.ai/Living Room Conversations: Building bridges through meaningful dialogue across political divides.Link: https://livingroomconversations.org/ UNITY MOVEMENTSUs United: A movement for unity that challenges Americans to step out of their bubbles and connect across differences. Take the Unity Pledge, join monthly "30 For US" conversation calls, wear purple (the color of unity), and participate in National Unity Day every second Saturday in December. Their programs include the Sheriff Unity Network and Unity Seats at sports events, proving that shared values are stronger than our differences.Link: https://www.us-united.org/ BALANCED NEWS & INFORMATIONOtherWeb: An AI-based platform that filters news without paywalls, clickbait, or junk, helping you access diverse, unbiased content.Link: https://otherweb.com/ VOTING REFORM & DEMOCRACYEqual Vote Coalition & STAR Voting: Advocating for voting methods that ensure every vote counts equally, eliminating wasted votes and strategic voting.Link: https://www.equal.vote/starFuture is Now Coalition (FiNC): A grassroots movement working to restore democracy through transparency, accountability, and innovative technology while empowering citizens and transforming American political discourse.Link: https://futureis.org/ POLITICAL ENGAGEMENTIndependent Center: Resources for independent political thinking and civic engagement.Link: https://www.independentcenter.org/ GET DAILY NEWSText 844-406-INFO (844-406-4636) with code "purple" to receive quick, unbiased, factual news delivered to your phone every morning via Informed (https://informed.now)Check Out the Unfuck America Tour & National Ground Game: https://www.nationalgroundgame.com/Check Out the CIVICS App to Know More About Your Politicians: https://www.civicpolitics.comSubscribe to the Substack: https://open.substack.com/pub/purplepoliticalbreakdown ALL LINKShttps://linktr.ee/purplepoliticalbreakdownThe Purple Political Breakdown is committed to fostering productive political dialogue that transcends partisan divides. We believe in the power of conversation, balanced information, and democratic participation to build a stronger society. Our mission: "Political solutions without political bias."Subscribe, rate, and share if you believe in purple politics, where we find common ground in the middle! Also if you want to be apart of the community and the conversation make sure to Join the Discord: https://discord.gg/ptPAsZtHC9
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterComment Below:Which FERS Mistake Could Cost You the Most Later?If you are a federal employee getting close to retirement, these FERS retirement mistakes can affect your pension, survivor benefits, FEHB coverage, TSP withdrawals, Medicare costs, and long-term retirement income. In this video, we break down seven of the biggest federal retirement planning mistakes we see employees make before leaving federal service.Why FERS survivor benefit elections can affect both pension income and FEHB coverageHow the wrong federal retirement date may impact annual leave, taxes, and retirement timingWhy FERS COLA rules can create long-term inflation pressure in retirementHow pension income, Social Security, TSP withdrawals, and military pension income can stack for taxesWhat IRMAA is and why Medicare costs may rise after certain income eventsWhy coworker advice may not fit your federal retirement situationHow to think through irreversible retirement decisions before signing final election formsWhy federal retirement planning should be based on your full financial picture, not one isolated benefit━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/OPM Survivor Benefits:https://www.opm.gov/retirement-center/survivor-benefits/OPM Cost-of-Living Adjustment Information:https://www.opm.gov/frequently-asked-questions/retire-faq/post-retirement/how-is-the-cost-of-living-adjustment-cola-determined/SSA IRMAA Information:https://secure.ssa.gov/poms.nsf/lnx/0601101020Medicare 2026 Premiums and Deductibles:https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 The 7 Biggest FERS Mistakes Federal Employees Make1:09 Why Pension Mistakes Stay Invisible Until Later2:13 Mistake 1: Survivor Benefit and FEHB Coordination5:22 Mistake 2: Retiring on the Wrong Date8:24 Mistake 3: FERS COLA and Inflation Drag11:51 Mistake 4: Tax Stacking in Federal Retirement14:35 Mistake 5: IRMAA and Medicare Cost Surprises20:19 Mistake 6: Believing Retirement Myths Instead of Planning23:21 Why Coworker Advice Can Lead to the Wrong Retirement Decision24:17 What May Still Be Fixable After Retirement24:40 Health Tip: Decision Fatigue and Retirement Forms26:02 Next Step for Federal Employees Near Retirement━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.IMPORTANT DISCLAIMERAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.FERS retirement mistakes, federal retirement planning, FERS survivor benefits, FEHB in retirement, federal employee retirement date, FERS COLA, TSP withdrawals in retirement, IRMAA Medicare, federal pension planning, OPM retirement, federal employee benefits, retirement income planning, federal employees nearing retirement, survivor annuity, federal retirement taxes, CD Financial#FERSRetirement #FederalRetirement #FederalEmployees #RetirementPlanning #CDFinancialSupport the show
Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterIf you are within one year of federal retirement, this is one of the most important times to review your FERS pension before making a final decision. In this video, we break down key federal retirement planning considerations around survivor benefits, retirement timing, COLA, taxes, Medicare, FEHB, and TSP income planning.Whether you are trying to protect your spouse, avoid unexpected tax issues, or make more informed decisions around your federal benefits, this episode walks through the planning areas many federal employees overlook before signing retirement paperwork.━━━━━━━━━━━━━━━IN THIS VIDEO YOU'LL LEARN━━━━━━━━━━━━━━━• Why FERS survivor benefit elections should be reviewed before retirement• How choosing the wrong federal retirement date may affect your planning• Why FERS COLA and long-term inflation should be part of your retirement income strategy• How tax stacking can happen with a FERS pension, Social Security, TSP withdrawals, and other income• Why IRMAA may surprise federal retirees who do not plan around Medicare income rules• How FEHB, Medicare, and spousal coverage decisions can affect your retirement strategy• Why federal employees should avoid relying only on one-size-fits-all retirement advice━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/FERS Information:https://www.opm.gov/retirement-center/fers-information/FEHB & Medicare:https://www.opm.gov/healthcare-insurance/medicare/annuitant/Survivor Benefits:https://www.opm.gov/retirement-center/survivor-benefits/Thrift Savings Plan:https://www.tsp.gov/TSP Withdrawals in Retirement:https://www.tsp.gov/withdrawals-in-retirement/Medicare IRMAA Information:https://secure.ssa.gov/poms.nsf/lnx/0601101020━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 FERS Pension Mistakes That Can Affect Retirement Income0:27 Survivor Benefit Decisions and Spousal Protection0:55 Choosing the Right Federal Retirement Date1:26 FERS COLA, Inflation, and Long-Term Income Planning2:00 Tax Stacking with FERS, Social Security, and TSP Withdrawals2:25 IRMAA Surprises and Medicare Income Planning3:43 FEHB, Medicare, and Federal Retiree Health Coverage4:08 Why Federal Retirement Advice Is Not One-Size-Fits-All4:36 Building a Retirement Plan Around Your Specific Situation━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.FERS pension mistakes, federal retirement planning, FERS survivor benefits, FEHB Medicare coordination, TSP withdrawals, IRMAA Medicare surcharge, federal employee retirement, FERS COLA, retirement income planning, federal benefits, retirement date planning, tax planning for federal retirees#FERSPension #FederalRetirement #FederalEmployees #RetirementPlanning #CDFinancialSupport the show
The wine is still flowing, and the chikahan is getting deeper! Jessy Daing and JCAS return for Part 2 of our incredible, unfiltered sit-down with OPM icon Rachel Alejandro and her Spanish husband, Carlos Santa Maria. (Fun fact: Carlos reveals this is only the second interview he has ever agreed to do in his life!)From debating Gen Z's respect for legends like Madonna to sharing deeply personal stories about surviving toxic relationships, we are laying it all on the table.Grab your glass and join the conversation!In this episode, we dive into:
In this episode we feature ACT-IAC's Acquisition and Innovation Forum's Lunch & Keynote Fireside Chat between Geoff Edwards and NASA Financial Systems Office Director Chi Okonkwo, who shares her career path from consulting to OPM modernization and then NASA. Okonkwo explains how NASA finance and acquisitions are modernizing legacy systems together, shifting the CFO role from retrospective reporting toward real-time analytics and performance insights, and pursuing responsible AI for future financial, budgeting, and risk needs, including fraud, waste, and abuse detection. She reflects on major NASA transformations, including the post-shuttle workforce realignment, commercialization partnerships, and implementing SAP with sustained clean audit opinions. Okonkwo emphasizes iterative modernization, governance, resilience, and leadership transparency, and advises prioritizing relationships and collaboration, including through ACT-IAC programs.Voyagers Program | ACT-IAC Summary - A Hole in One with ACT-IACSubscribe on your favorite podcast platform to never miss an episode! For more from ACT-IAC, follow us on LinkedIn or visit http://www.actiac.org.Learn more about membership at https://www.actiac.org/join.Donate to ACT-IAC at https://actiac.org/donate. Intro/Outro Music: See a Brighter Day/Gloria TellsCourtesy of Epidemic Sound(Episodes 1-159: Intro/Outro Music: Focal Point/Young CommunityCourtesy of Epidemic Sound)
SummaryIn this insightful interview, Kyle McDowell shares his journey from corporate America to leadership coaching, emphasizing the power of principles like 'we' to build cultures of excellence. Discover how leading by example, establishing clear values, and focusing on outcomes can transform organizations and personal lives.TakeawaysThe 'We' leadership paradigm and its impactBuilding a culture of accountability and trustThe importance of leading by example and setting principlesChapters00:00 Introduction to Kyle McDowell and His Journey04:34 The Shift from Apathy to Purpose in Leadership07:27 Cultural Transformation: The Power of 'We'10:25 Building Relationships and Trust in Teams13:36 Scaling the 'We' Principle Across Large Teams16:21 The Agnostic Nature of Leadership Principles19:28 Leading by Example: The Impact of Personal Accoutability22:39 The Importance of Positive Relationships in Leadership28:23 Learning from Experience and Community Dynamics31:12 The Value of Outcomes Over Busyness35:34 Navigating Career Transitions and Imposter Syndrome40:37 Authenticity in Hiring and Team Dynamics47:09 Recognizing Pivots and Introspection in Leadership53:07 Establishing Authentic Transformation in OrganizationsConnect with our guest: https://kylemcdowellinc.com/https://www.linkedin.com/in/kylemcdowellinc/Credits:Hosted by Ryan Roghaar and Mike SmithProduced by Ryan RoghaarTheme music: "Perfect Day" by OPM The Eggs Podcast Spotify playlist:bit.ly/eggstunesThe Plugs:The Show: eggsthepodcast.com@eggsthepodcast on X and InstagramMike "DJ Ontic": Shows and info: djontic.com@djontic on twitterRyan Roghaar:rogha.ar
Rapha Avellar se aprofunda em uma conversa reveladora com Cathyelle Schroeder, CMO da Riachuelo, sobre os desafios de liderar uma marca de moda em um país tão diverso quanto o Brasil. Descubra como ela equilibra consistência e autenticidade local em suas estratégias.Neste episódio, você vai descobrir:- Por que ouvir o cliente é o maior trunfo no varejo de moda.- A pesquisa que desvendou o verdadeiro desejo das consumidoras.- Como a Riachuelo transforma colaborações em uma plataforma de inovação.- O que um hater pode ensinar sobre sua marca.- A diferença entre patrocinar e pertencer a um movimento regional.Prepare-se para insights que podem transformar sua visão sobre marketing e liderança. Não esqueça de se inscrever e deixar seu like!---✨ Sobre o PodcastO CMO Playbook é um podcast que busca entender como grandes líderes de marketing enfrentam desafios, repensam modelos de gestão, testam novas abordagens e antecipam movimentos do mercado.É o espaço onde CMOs, Heads e Gerentes das maiores marcas e agências do país discutem tendências, estratégias e decisões com profundidade técnica e visão de futuro.Um podcast feito para quem está na linha de frente da transformação — que inspira, provoca e busca conversas profundas para liderar com inteligência na nova era da publicidade.---
Congressional Democrats want answers from the Cybersecurity and Infrastructure Security Agency https://cyberscoop.com/cisa-credential-leak-congress-demands-answers/ on GitHub in an incident that the security researcher who discovered it called one of the worst leaks he's ever seen. Other security professionals also voiced concern Tuesday about the leak and the potential for abuse by any malicious parties who got a hold of the information. Security firm GitGuardian said it discovered a public GitHub repository last week that exposed credentials for privileged AWS GovCloud accounts and internal CISA systems dating back to November. The repository, apparently maintained by a contractor, was named “Private-CISA.” Krebs on Security first reported the incident. A GitGuardian researcher said his main fear upon verifying the leak was real “is that a state actor will get the data and might be able to do bad stuff.” State-based attackers who obtained the credentials “might be able to gain persistence,” the researcher said, calling it worse than an attacker destroying a database or having an intruder gain access to a government system. The Office of Personnel Management would get a better handle on the federal biotechnology workforce under a pair of bills from a bipartisan House duo. Introduced Wednesday, the Federal Biotechnology Workforce Assessment Act directs OPM to coordinate with agency heads on defining the federal biotech workforce, in addition to assessing current and future needs for those “bio-literate” federal employees. The bill from Reps. Ro Khanna, D-Calif., and Rich McCormick, R-Ga., shared first with FedScoop, is aimed at ensuring the federal government workforce keeps the country a step ahead of China in the biotech space. Priority No. 1 for OPM's assessment is identifying the total number of biotech positions required at federal agencies. The legislation is focused specifically on the departments of Agriculture, Commerce, Defense, Energy, Health and Human Services, Homeland Security, Interior, State, and Treasury, as well as the Environmental Protection Agency, the National Science Foundation, NASA, and the offices of the Director of National Intelligence and the U.S. Trade Representative.
Thinking about buying or expanding a practice, but nervous about debt, banks, or making an expensive mistake? In today's episode, I'm joined by Mike Smith of Bank of America to demystify the lending process for optometrists. We break down what banks actually look for in a borrower, how student loans and cash reserves really factor in, why tax returns matter more than stories, and the common traps buyers and sellers fall into when financing a deal. If utilizing OPM, other peoples' money like a bank's, is on your radar (now or in the future), this conversation can save you time, money, and unnecessary stress. Resources: Book a Triage call with Adam Download the Practice Owner's Financial Toolkit 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Check out Adam's new book: How to Buy an Optometry Practice ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here! Check out Adam's other podcast! The Optometry Success Podcast Subscribe on Apple Podcasts: https://bit.ly/4tttng6 Subscribe on Spotify: https://bit.ly/4tuf0YM
James-Christian Blockwood discusses U.S. Office of Personnel Management's modernization of federal HR and retirement IT systems with OPM's Rebecca Ayers and Academy Fellow Brodi Fontenot. Building on a 2021 academy report urging congressional funding to modernize OPM systems, they describe the administration's goal to build a merit-based workforce and modernize people management through the Federal HR 2.0 initiative. Key elements include moving agencies onto a mandatory single core HCM platform to replace over 100 systems, improve data, speed retirement processing, enable employee self-service, and generate an estimated nearly $1 billion in savings, alongside a voluntary OPM Shared Service Center offering standardized operational services and strategic consulting. They highlight historical swings between decentralization and centralization, the change-management challenges of standardization, feedback loops, and long-term commitment, and note upcoming milestones such as announcing the new core HCM system and additional agencies opting into shared services.00:50 Modernization Stakes02:34 Federal HR 2.0 Vision04:58 Shared Services Context07:41 Centralize Versus Decentralize10:34 Change Management Hurdles12:51 Mandatory Versus Voluntary16:19 Why Now17:17 Public Impact21:09 Leader Playbook22:37 Next MilestonesManagement Matters is a presentation of the National Academy of Public Administration produced by Lizzie Alwan and Matt Hampton and edited by Matt Hampton. Support the Podcast Today at: donate@napawash.org or 202-347-3190Episode music: Hope by Mixaund | https://mixaund.bandcamp.comMusic promoted by https://www.free-stock-music.comFollow us on YouTube for clips and more: @NAPAWASH_YT
SummaryIn this episode, Tyler Wells, co-founder and CTO of BrainGrid.ai, shares his extensive experience in entrepreneurship, AI development, and the evolving role of software engineers in the age of AI. Discover insights on building AI-driven platforms, managing projects, and the future of software creation.TakeawaysEntrepreneurship journey and lessons learnedBuilding AI platforms and managing projectsThe role of human ingenuity versus AI automationChapters00:00 Introduction to Tyler Wells and His Journey02:55 The Entrepreneurial Journey: Lessons from Failures05:41 Transitioning from Employee to Entrepreneur10:15 The Impact of AI on Business and Employment11:14 Building with AI: The Evolution of BrainGrid14:14 The Role of Engineers in an AI-Driven World24:05 The Future of Software Engineering and AI Pilots27:07 Challenges in Software Development with AI32:14 Transforming Ideas into Actionable Plans40:47 Navigating the Challenges of Non-Technical Users47:18 Prototyping vs. Production: Understanding the Difference53:06 The BrainGrid Framework: Build, Verify, TrustConnect with Tyler: https://www.braingrid.ai/https://www.linkedin.com/in/tylerswells/Credits:Hosted by Ryan RoghaarProduced by Ryan RoghaarTheme music: "Perfect Day" by OPM The Eggs Podcast Spotify playlist:bit.ly/eggstunesThe Plugs:The Show: eggsthepodcast.com@eggsthepodcast on X and InstagramMike "DJ Ontic": Shows and info: djontic.com@djontic on twitterRyan Roghaar:rogha.ar
If you ask Office of Personnel Management Director Scott Kupor how he thinks about the role of AI in his agency's mission, he'll tell you he sees two different prevailing perspectives: one with a “big OPM” mission and another for “little OPM.” At least that's how he described it to me recently at UiPath's Fusion conference in Washington, DC. During our interview, Kupor shared about juxtaposition, emerging AI use cases that OPM is driving forward, and much more. The Department of Homeland Security intends to continue its work with Cellebrite, a provider of digital forensics hardware and software tools, according to forecast documents released last week. Immigration and Customs Enforcement, as well as the department's Homeland Security Investigations unit, plan to award a five-year, indefinite delivery, indefinite quantity contract with a $100 million ceiling to the vendor later this year. Cellebrite's products enable the agency to access data from cellphones, tablets and — more recently — unmanned aerial vehicles. The Israeli firm's data extraction capabilities are “the most widely utilized and deployed computer forensic tool” within HSI, per the document. Cellebrite has been deployed across DHS, including its reported use within the Secret Service to break into the phone of the man who shot President Donald Trump at a campaign rally in Butler, Pa., in 2024. DOGE's playbook for using artificial intelligence to eliminate regulations was on full display at the Department of Housing and Urban Development last summer with the introduction of an AI tool built for the “extermination” of federal housing rules. Documents obtained by Democracy Forward via Freedom of Information Act requests reveal a PowerPoint presentation delivered at HUD on SweetREX, a tool named for DOGE associate Christopher Sweet, according to Wired reporting last August. The new documents, shared with FedScoop, laid out a multistep process in which all HUD regulations would be analyzed by the AI. The tool would then provide recommendations to “keep, delete, or partial delete” each rule, per the presentation. Attorneys would review the suggestions and agency staffers would make the final decision. HUD regulations cover everything from the prohibition of discrimination on the basis of sex in mortgage assistance to providing legal aid for foreclosure-related issues. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast on Apple Podcasts, Soundcloud, Spotify and YouTube.
The Office of Personnel Management is being urged 'not' to shut down the Combined Federal Campaign. More than 40 Democrats penned a letter to OPM, warning that ending the CFC would be “disastrous” for the organizations that rely on it. The letter comes as the Trump administration is signaling a possible decommission of the decades-old program. Here with more, Federal News Network's Drew Friedman.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Episode 402 - S17 E8: Rachel Alejandro & Carlos Santa Maria: 16 Years of Opposites Attracting & Moving to Spain (Part 1)
Nearly 12,000 new retirement claims entered the Office of Personnel Management's systems last month. Coupled with OPM's processing of about 17,000 retirement applications, the agency managed to reduce its inventory by several thousand claims. April was the first time OPM's retirement backlog has dipped below 50,000 claims in more than five months. Currently, digital retirement claims are also being processed in about two-thirds the time of traditional paper applications.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
SummaryIn this insightful interview, Jeff Amerine shares his extensive journey from military service to becoming a leading figure in startup ecosystem development. Discover practical strategies for fostering resilience, building entrepreneurial communities, and navigating the complexities of starting and growing a business in flyover states.TakeawaysResilience development through military and personal experienceBuilding entrepreneurial ecosystems in small towns and flyover statesThe importance of mentorship and community in startup successChapters00:00 Introduction to Jeff Amarine and Startup Culture12:49 The Journey of Resilience and Entrepreneurship28:21 Finding Your Unique Path in Entrepreneurship31:09 The Evolution of Startup Junkie Consulting37:10 Building Entrepreneurial Ecosystems in Small Communities42:24 The Importance of Mentorship and Community48:31 Taking Action: Overcoming Analysis Paralysis51:19 Finding Your Path: Passion vs. ViabilityConnect with Jeff: https://startupjunkie.org/jeff-amerine/https://www.linkedin.com/in/jeffamerine/Credits:Hosted by Ryan RoghaarProduced by Ryan RoghaarTheme music: "Perfect Day" by OPM The Eggs Podcast Spotify playlist:bit.ly/eggstunesThe Plugs:The Show: eggsthepodcast.com@eggsthepodcast on X and InstagramMike "DJ Ontic": Shows and info: djontic.com@djontic on twitterRyan Roghaar:rogha.ar
The Office of Personnel Management is applying artificial intelligence to modernize the writing of position descriptions in the hiring process. OPM Director Scott Kupor touted the agency's new USA Class tool during an interview at the UiPath Fusion conference, presented by FedScoop, as a way to streamline notoriously slow and complex federal hiring. The federal government “has a lot of jobs,” the director said, with more than 600 classifications and a workforce north of 2 million civilian federal employees. “So the ‘n factorial' is pretty significant.” Kupor said OPM sought to leverage AI's strength in digesting large volumes of information — in this case, thousands of existing job descriptions — to train a model, and then prompted it to create new position descriptions aligned with OPM's classification standards. Federal hiring managers then review the outputs to ensure accuracy, further strengthening the model. The Pentagon plans to require service members to complete cybersecurity training once every three years, DefenseScoop has learned, a move that will scrap an annual mandate and is set to upend the Army's recent shift to a five-year requirement. In a Sep. 30 memo, Defense Secretary Pete Hegseth directed the military to “restore mission focus” by reducing, consolidating or eliminating a slew of mandatory courses, such as cybersecurity training, that he said were distracting from the military's core job of fighting wars. Hegseth did not specify by how much the services should “relax the mandatory frequency” of cybersecurity training, and by February, the Army issued its own directive that required soldiers to take the course once every five years instead of annually, DefenseScoop reported. But more than a month after the service's directive, the Pentagon is moving to require troops to conduct cybersecurity training once every three years, according to a recent memo reviewed by the publication and a senior defense official, which would effectively overrule the Army's move. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast on Apple Podcasts, Soundcloud, Spotify and YouTube.
Neste episódio do CMO Playbook, Rapha Avellar conversa com Rodrigo Padilla, da LATAM, sobre as lições transformadoras de sua carreira na P&G e a transição para a aviação. Neste episódio, você vai descobrir:- O momento decisivo que fez a P&G apostar tudo em Downy.- Como transformar uma crise de identidade em um diferencial de marca.- A importância da humildade intelectual na liderança moderna.- O segredo por trás da personalização de experiências na LATAM.- Como a tecnologia pode humanizar o atendimento ao cliente.Acompanhe essa conversa imperdível e entenda como estratégias ousadas podem redefinir o futuro de uma empresa. Inscreva-se e deixe seu like!———✨ Sobre o PodcastO CMO Playbook é um podcast que busca entender como grandes líderes de marketing enfrentam desafios, repensam modelos de gestão, testam novas abordagens e antecipam movimentos do mercado.É o espaço onde CMOs, Heads e Gerentes das maiores marcas e agências do país discutem tendências, estratégias e decisões com profundidade técnica e visão de futuro.Um podcast feito para quem está na linha de frente da transformação — que inspira, provoca e busca conversas profundas para liderar com inteligência na nova era da publicidade.———
Federal hiring managers will soon have a new tech resource at their disposal. The Office of Personnel Management has just rolled out “USA Class.” It's an AI tool that can generate federal position descriptions. With the new resource, OPM is hoping it can relieve some hiring burdens for HR staff. Here with more, Federal News Network's Drew Friedman.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Episode 401 - S17 E7: 50/50 Finances, Fake Friends, & Reinventing You: Is Marrying for Money Wrong?
SummaryIn this episode, Kate Assaraf, founder and CEO of Dip, shares her journey of building a sustainable hair care brand that prioritizes quality and authenticity over traditional marketing tactics. She discusses her grassroots approach, the importance of relationships, and her vision for a more genuine and community-driven business model.TakeawaysThe importance of product quality and authenticityGrassroots marketing and community buildingThe refill movement and local retail supportChapters00:00 Introduction to Dip Sustainable Hair Care05:01 The Entrepreneurial Journey of Kate Assaraf07:51 Building a Quality Product Over Profit10:55 The Importance of Authenticity in Marketing13:58 Supporting Indie Retailers Over Big Box Stores16:46 The Grassroots Movement of Sustainability19:57 The Emotional Connection to Products22:52 The Future of Consumer Choices30:11 The Shift Towards Local and Authentic Retail Experiences32:03 Building Authentic Relationships in Business35:39 Contrarian Marketing Strategies: Going Analog in a Digital World39:34 The Importance of Human Connection in Customer Service40:03 Scrappy Marketing: Creative Approaches That Work46:33 Growth vs. Authenticity: Finding the Right Balance51:43 The Unique Path of Entrepreneurship: Embracing Individuality55:28 Empowering Women in Business: Overcoming Doubts and ChallengesConnect with Kate: https://dipalready.com/https://www.linkedin.com/in/kate-assaraf-b25a741a7/Credits:Hosted by Ryan RoghaarProduced by Ryan RoghaarTheme music: "Perfect Day" by OPM The Eggs Podcast Spotify playlist:bit.ly/eggstunesThe Plugs:The Show: eggsthepodcast.com@eggsthepodcast on X and InstagramMike "DJ Ontic": Shows and info: djontic.com@djontic on twitterRyan Roghaar:rogha.ar
The Trump administration's overhaul of federal employees' performance management won't apply to political appointees. A memo from the Office of Personnel Management excludes all Schedule C and Schedule G appointees from the stricter performance metrics. OPM says political appointees are already at-will workers, so decisions on whether they should be kept or removed from their jobs do not depend on formal performance evaluations.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
What happens if your FERS retirement paperwork is delayed, or you can't follow up after submitting your application? In this episode of FERS Federal Fact Check, Micah Shilanski, Managing Partner, Wealth Advisor, walks through what federal employees can do if their retirement application feels stuck in the system. From locating your CSA number to reconnecting with OPM and understanding potential delays, this video breaks down practical next steps. Learn more and read the full breakdown here: https://plan-your-federal-retirement.com/fers-paperwork-lost-or-delayed-steps-to-get-back-on-track?utm_medium=social&utm_source=social&utm_campaign=fffc-26-0429
In this bonus episode recorded live at the Collegis Education DisruptED summit in Phoenix, we spoke with Dan White from NJIT about the evolution of online education and how institutions can build more effective, integrated digital programs. They explore how shifting away from rigid OPM models toward more flexible, capacity-building partnerships enabled NJIT to refine its recruitment strategy and strengthen internal capabilities. The conversation also highlights the importance of student success initiatives—like proactive coaching and personalized support—in improving retention and creating a more seamless student experience. Ultimately, it's a call for institutions to be intentional, collaborative, and student-centered as they navigate digital transformation and scale online learning. Guest Name: Dr. Daniel White, Associate Provost, New Jersey Institute of Technology Guest Social: LinkedIn - - - -Connect With Our Host:Dustin Ramsdellhttps://www.linkedin.com/in/dustinramsdell/About The Enrollify Podcast Network:The Higher Ed Geek is a part of the Enrollify Podcast Network. If you like this podcast, chances are you'll like other Enrollify shows too!Enrollify is made possible by Element451 — The AI Workforce Platform for Higher Ed. Learn more at element451.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
0:00:00 Introduction. 0:00:16 President's Message by Brian L. Renfroe 0:04:02 News from Washington 0:17:37 Shut Down Hunger effort donates more than $525,000 to food banks 0:19:31 You're a part of your state association 0:33:06 NALC Emergency Response Team is ready for critical incidents. 0:34:48 Food Drive Day is Saturday, May 9 0:37:55 Deadline's approaching for National Convention 0:39:25 Indiana AFL-CIO chapter names award after letter carrier 0:47:25 The letter carrier band plays on 0:53:43 NALC heroes of the year 1:32:56 Carriers and the mail make news online. 1:39:26 ‘Hey, Ref!' 1:47:09 Workers' Memorial Day: A reminder to fight for workers' rights and safety 1:50:01 Strength in numbers and solidarity by Executive Vice President Paul Barner 1:55:32 Respect by Vice President James D. Henry 2:01:38 Branch audits: A guide for trustees by Secretary Treasurer Nicole Rhine 2:07:29 Bylaws submission by Assistant Secretary-Treasurer Mack I. Julion 2:12:26 City Delivery updates by Director of City Delivery Christopher Jackson 2:19:29 2026 HIPP stand-up talks by Director of Safety and Health Manuel L. Peralta Jr. 2:24:59 OPM changes the 1099-R process by Director of Retired Members Dan Toth 2:29:58 Life insurance application by Director of Life Insurance James W. “Jim” Yates 2:34:10 Health and wellness programs included in the Health Benefit Plan by Director of Health Benefits Stephanie Stewart 2:40:21 Schedule awards, Part 1 Regional Workers' by Regional Workers' Compensation Assistant Coby Jones 2:46:44 Veterans Group Column: NALC Veterans Group convention project 2:49:25 Veteran profile: Rich Donlon
Connect with the Investor Mama Tribe Janine Mix is a Christian entrepreneur, author, speaker, and investor who turned her financial life around from being $120,000 in debt to becoming a multimillionaire. After years of frustration with conventional financial advice focused on strict budgeting and cutting expenses, Janine finally experienced a breakthrough by unlearning these limiting approaches and transforming her relationship with money. This pivotal shift empowered her to take bold, strategic actions that led to complete financial freedom by age 33. Janine believes that more wealth in the hands of women can change the world and is passionate about helping women get out of their own way and break financial barriers and build generational wealth. Janine hosts the Permission to Prosper podcast, where she shares insights on financial empowerment and wealth-building strategies. Her best-selling book, Buy The Damn Coffee, is a call to break free from cycles of blame, shame, and restrictive money habits, empowering readers to embrace a mindset that fosters confidence, growth, and impact for their families and communities. Key Takeaways: 1. Heal Your Money Story Before You Build Wealth Your relationship with money — what you heard, learned, and experienced growing up — is what’s actually blocking you. Until you identify and rewrite those beliefs, no strategy will stick. Janine’s “MIX Shift Framework”: find the message, ask if it’s true, cross it out, and replace it with a new one. 2. There’s No One-Size-Fits-All Real Estate Strategy — Start with Your Goal Airbnb, flipping, house hacking, single-family rentals — they all work. The key is knowing why you’re investing and what you want your life to look like. You only need 3–5 semi-free-and-clear properties to retire. Pick one strategy, start, and give yourself permission to pivot. 3. Not All Debt Is Bad — Learn to Use Leverage Consumer debt takes your money; leveraged debt makes you money. Real estate’s real power isn’t just cash flow — it’s depreciation, tax benefits, equity lines of credit, and using other people’s money (OPM) to grow. Net worth on paper means nothing; cash flow is what matters. 4. Focus on Income, Not the $5 Latte Cutting small expenses won’t change your life — growing your income will. “Buy the Damn Coffee” is a movement away from guilt and scarcity thinking. Temporary sacrifice is okay to course-correct, but the real wealth shift happens when you move from restricting to building. More money in the hands of women changes the world. Additional Resources and Help Support the Show Check out the Intern Strategy Course created by Christina from Smart Influencer Learn How to Make Extra Money with a Side Hustle or Get a High Paying Salary with Time Flexibility Episode #30:The #1 Side Hustle for the On the Go Busy Mom with Mike Yanda and Bobby Hoyt Episode #52: Millionaire by 31 and How to Start An ETSY Side Hustle Business with Julie Berninger from Gold City Ventures Check out Julia’s Sidehustle course to get started today The Legacy Binder to help you organize all of your estate documents and plans in case of an emergency Show Me How To Fix My Pelvic Floor from Tighten Your Tinkler Use Coupon Code: INVESTORMAMA to save $50 off this signature program High-income earner, needing an amazing accountant? Check out the TaxGoddess Connect with Janine Janinemix.com Buy the Damn Cofee by Janine Mix Permission to Prosper Podcast Instagram Facebook
SummaryIn this episode, Jason Friedman shares his journey from theater lighting to transforming retail and business experiences through intentional, immersive customer journeys. Discover how to apply theatrical principles to create engaging, results-driven customer interactions and scale your business effectively.TakeawaysTheater principles applied to businessCreating immersive customer experiencesThe importance of intentionality in marketingChapters00:00 From Theater to Business: A Journey Begins04:21 The Power of Intentionality in Customer Experience07:30 Transforming Retail: The Footlocker Case Study10:30 Crafting the Customer Journey: Reverse Engineering Success13:25 Creating Immersive Experiences: Engaging the Senses16:27 The Art of Over-Delivery: Finding Balance in Customer Service29:37 The Power of Authenticity in Customer Service34:02 Emotional Connections and Customer Experience38:14 Managing Customer Expectations42:02 Addressing Disconnects in Customer Experience47:45 The Importance of Customer Feedback52:13 Creating Value Beyond the SaleConnect with Jason: https://www.cxformula.com/https://www.linkedin.com/in/thejasonfriedman/Credits:Hosted by Ryan RoghaarProduced by Ryan RoghaarTheme music: "Perfect Day" by OPM The Eggs Podcast Spotify playlist:bit.ly/eggstunesThe Plugs:The Show: eggsthepodcast.com@eggsthepodcast on X and InstagramMike "DJ Ontic": Shows and info: djontic.com@djontic on twitterRyan Roghaar:rogha.ar
This week on The GovNavigators Show, Robert and Adam are joined by Drew Friedman, reporter at Federal News Network and nominee for the ECHO Award for Best Government Management Journalist. Drew pulls back the curtain on what it's like to cover the federal workforce in one of the most turbulent periods in recent memory.The conversation covers the shifting landscape of federal hiring, including OPM's push toward skills-based hiring in the IT space, the latest on Schedule F's successor, and the growing body of litigation challenging the administration's workforce actions, as well as budget issues, and the administration's push to shrink the federal real estate footprint. Drew also reflects on what it takes to keep up with stories this big, and why the Federal News Network team's collaborative approach has been essential to staying on top of it all.Show Notes:New OMB Memo on commercial buyingVote for Drew at the ECHO Awards' websiteWhat's on the GovNaviagtors' Radar:Apr 21: Grants QSMO's Industry DayApr 22: House Oversight Committee Markup on anti-fraud legislation (TBD)Apr 26-29: NASCIO Midyear Conference
Are you tired of the "toilets, tenants, and trash" of traditional real estate? In this episode, Scott Carson breaks down the updated 2026 roadmap to generating a six-figure annual income by becoming the bank. We move past theory and into the actual math of how to replace your salary by leveraging other people's money (OPM) and targeting high-yield, small-balance mortgage notes. Whether you are looking to exit your 9-to-5 or scale a massive portfolio, this "rinse and repeat" game plan is your blueprint for success in the secondary market. Key Takeaways from the 2026 StrategyThe Math of Six-Figure Success: To hit roughly $60,000 in annual cash flow, the strategy focuses on acquiring 15 performing notes that net approximately $333 per month each after paying out your private investors. Leveraging Other People's Money (OPM): You don't need your own capital to scale; the plan involves borrowing funds at an 8% interest-only rate from IRA investors who are currently making 0%, creating a win-win for both parties. The Power of "Skin in the Game": When working with non-performing borrowers, a critical step is requiring them to bring at least four months of payments to the table as "skin" to earn a loan modification, which can generate an immediate $30,000 in upfront income across 15 deals. Building a Multi-Million Dollar Portfolio: By targeting assets with a fair market value of $50,000 or more and buying the debt at a 50% discount, a 15-deal portfolio represents $750,000 in property value while only requiring $375,000 in total funding. The Big Back-End Payday: The ultimate goal is to "season" these notes for 12 months until they are reperforming, allowing you to sell them at 80% of their value and pocket the massive equity spread—potentially pushing your total annual income well over $300,000. ConclusionSuccess in note investing for 2026 isn't about working harder; it's about following a disciplined plan, staying coachable, and consistently making offers. By focusing on the "note business" rather than the "foreclosure business," you can build a scalable, high-yield machine that works even while you sleep. Don't be a "secret agent"—get out there, share your goals, and start bidding on tapes to secure your financial future.Watch the Original Video HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest
In this bonus episode recorded live at the Collegis Education DisruptED summit in Phoenix, we spoke with Michael Koskinen from St. John's University about the evolving strategy behind online education and institutional growth. They discuss the challenges of expanding online programs in a competitive market, including shifting away from traditional OPM models toward more flexible, fee-for-service partnerships that allow institutions to stay agile. The conversation highlights the need for higher ed leaders to rethink long-standing structures—like the four-year model and classroom-based learning—while staying grounded in their mission and focused on student needs. Ultimately, it's a call for institutions to move faster, embrace experimentation, and adapt to changing expectations around flexibility, technology, and the value of a degree. Guest Name: Dr. Michael Koskinen - Chief Online Learning Officer at St. John's University Guest Social: LinkedIn Guest Bio: Dr. Michael Koskinen is an educator with over 20 years of experience adapting traditional collegiate course material into cutting-edge electronic teaching tools for delivery in traditional, hybrid, and online settings. He has demonstrated success managing multi-million-dollar technology budgets, high-profile software deployments, and staff development. - - - -Connect With Our Host:Dustin Ramsdellhttps://www.linkedin.com/in/dustinramsdell/About The Enrollify Podcast Network:The Higher Ed Geek is a part of the Enrollify Podcast Network. If you like this podcast, chances are you'll like other Enrollify shows too!Enrollify is made possible by Element451 — The AI Workforce Platform for Higher Ed. Learn more at element451.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Are you tired of the "toilets, tenants, and trash" of traditional real estate? In this episode, Scott Carson breaks down the updated 2026 roadmap to generating a six-figure annual income by becoming the bank. We move past theory and into the actual math of how to replace your salary by leveraging other people's money (OPM) and targeting high-yield, small-balance mortgage notes. Whether you are looking to exit your 9-to-5 or scale a massive portfolio, this "rinse and repeat" game plan is your blueprint for success in the secondary market. Key Takeaways from the 2026 StrategyThe Math of Six-Figure Success: To hit roughly $60,000 in annual cash flow, the strategy focuses on acquiring 15 performing notes that net approximately $333 per month each after paying out your private investors. Leveraging Other People's Money (OPM): You don't need your own capital to scale; the plan involves borrowing funds at an 8% interest-only rate from IRA investors who are currently making 0%, creating a win-win for both parties. The Power of "Skin in the Game": When working with non-performing borrowers, a critical step is requiring them to bring at least four months of payments to the table as "skin" to earn a loan modification, which can generate an immediate $30,000 in upfront income across 15 deals. Building a Multi-Million Dollar Portfolio: By targeting assets with a fair market value of $50,000 or more and buying the debt at a 50% discount, a 15-deal portfolio represents $750,000 in property value while only requiring $375,000 in total funding. The Big Back-End Payday: The ultimate goal is to "season" these notes for 12 months until they are reperforming, allowing you to sell them at 80% of their value and pocket the massive equity spread—potentially pushing your total annual income well over $300,000. Success in note investing for 2026 isn't about working harder; it's about following a disciplined plan, staying coachable, and consistently making offers. By focusing on the "note business" rather than the "foreclosure business," you can build a scalable, high-yield machine that works even while you sleep. Don't be a "secret agent"—get out there, share your goals, and start bidding on tapes to secure your financial future. Ready to dive deeper? Check out our upcoming online workshop or visit WeCloseNotes.com for more resources!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the Next Note Buying Workshop HERE!
In this special edition of CyberWire Daily's 10th anniversary series, N2K CyberWire's Maria Varmazis and Dave Bittner discuss the biggest breaches over the past 10 years. The foundational 2014 Sony hack kicks off our conversation, then Maria and Dave highlight: the 2015 OPM breach, which exposed sensitive security-clearance data and was attributed to long-term access by China amid outdated government systems and security 2017's WannaCry and NotPetya's global disruption and Equifax's ongoing fallout the 2020 SolarWinds breach underscored supply-chain risks and raised concerns about potential personal criminal liability for CISOs. The conversation illustrates two main threat-actor categories—nation-state espionage and financially motivated criminals—and the increasingly blurred lines between them. Join us as we reflect on how the industry and cybercrime have evolved over the past decade. Learn more about your ad choices. Visit megaphone.fm/adchoices
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