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Understanding the SCORE Act: The Future of College Sports?Join Tony Gerdeman and Tom Orr on this episode of the Buckeye Weekly Podcast as they dive deep into a proposed bi-partisan bill in Congress called the SCORE Act (Student Compensation and Opportunity through Rights and Endorsement Act). The hosts discuss the implications of this bill on the future of college sports, including athlete compensation, NIL deals, agent fees, and the potential impact on Olympic sports programs. Tune in for an in-depth analysis of how this legislation could shape the landscape of college athletics. 00:00 Introduction and Banter 01:11 Discussing the SCORE Act 05:47 Political Challenges and Implications 08:17 Debating Athlete Rights and NIL 13:01 Potential Outcomes and Legal Hurdles 20:45 Transfer Rules and Stability in College Sports 22:57 Eligibility Standards and JUCO Loopholes 25:48 Agent Compensation and Athlete Deals 28:52 Academic Support and Healthcare for Athletes 32:45 Maintaining Varsity Sports Teams 35:39 Media Rights Revenue and Student Fees 39:23 NIL Deals and University Codes of Conduct 43:03 Final Thoughts and Optimism
Romans 8:28We are surrounded by insurmountable opportunities. The problem is, they're often disguised as impossible situations.
Join Carlos Ospina and Ana Laura Coto as they discuss their unique perspectives on work-life balance, the blending of personal and professional lives, and the challenges and opportunities within the Drupal community. From remote working experiences, integrating AI in their workflow, to the importance of small and medium-sized projects in sustaining the Drupal ecosystem, the conversation reveals insightful and diverse views. Hear their inspiring story of collaboration, love for Drupal, and their vision for making the Drupal community more inclusive and accessible globally. For show notes visit: https://www.talkingDrupal.com/cafe006 Topics Carlos Ospina Carlos is a seasoned Drupal Architect and active contributor in the Drupal community. With over two decades of experience in open-source technologies, Carlos specializes in site architecture, development guidance, and performance optimization. He is the founder of Palcera, a digital agency looking to deliver high-quality Drupal services to clients across the Americas. Carlos is known for his community engagement through events, meetups, and mentorship within the Latin American Drupal scene and the US community. He frequently shares his knowledge through talks, workshops, and contributions to Drupal.org, helping to advance the platform and support new developers. Passionate about building inclusive tech communities, Carlos champions collaboration and continuous learning in open source and the development of a more global community for Drupal. Ana Laura Coto Ana is a dedicated Drupal developer and advocate. With a background in front-end development and user experience, Ana Laura brings a passion for building accessible, user-centered websites using open-source technologies. She is an active member of the Drupal community, contributing to both local and international events as a speaker, organizer, and mentor. Ana Laura is especially committed to fostering diversity and inclusion in tech, helping to create welcoming spaces for underrepresented voices. Through her contributions to Drupal.org and community initiatives, she continues to inspire collaboration and growth within the Drupal ecosystem. How We Met: A Unique Beginning Different Perspectives on Work-Life Balance Challenges and Benefits of Working from Home The Drupal Community and Family Life The Role of AI in Our Work Future of Drupal and Community Challenges Challenges and Opportunities in the Drupal Job Market The Evolution and Pricing of Drupal Reviving the Drupal Community Global Perspectives on Drupal's Future The Importance of Inclusivity in Drupal Personal Reflections and Future Goals Concluding Thoughts Resources A Drupal Couple The IXP Program IXP registration Site Palcera Guests Carlos Ospino A Drupal Couple camoa Ana Laura Coto A Drupal Couple anilucoto
In this episode, Kamini Wood challenges the common perception of conflict, reframing it from a problem to an opportunity for growth and connection. She acknowledges that most people experience tension or dread when facing conflict due to past negative experiences, leading to conflict avoidance. However, avoiding conflict also means missing opportunities for authenticity and deeper connection, often resulting in resentment, stress, and superficial relationships. Kamini suggests shifting from judgment to curiosity, using "I statements" instead of "you statements," actively listening, and taking breaks to regulate emotions. She provides a workplace example of addressing missed deadlines with compassion and directness, leading to solutions rather than resentment. Ultimately, navigating conflict with kindness builds emotional safety, mutual respect, empathy, emotional intelligence, confidence, and self-esteem, fostering deeper connections.Discover more powerful tips and guidance here: https://www.kaminiwood.com/blog/Learn more about my coaching services: https://www.kaminiwood.com/services/Follow me for more empowering inspiration and guidance:https://www.instagram.com/itsauthenticme/https://www.facebook.com/itsauthenticme/https://www.pinterest.com/itsauthenticme/
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. Thanks! The transcript from this episode of Money Making Conversations Masterclass features a powerful and informative interview with Teri Williams, President, COO, and owner of OneUnited Bank, the largest Black-owned bank in the United States. Here's a breakdown of the key highlights and takeaways:
Send us a textThe boys are back. In a NEW building this week, and they're bringing all the chaos with them. They kick things off with a wild recap of the 4th of July—Joey Chestnut crushed another hot dog contest, Pittsburgh had its share of firework fails, and someone even sent in a video of a guy celebrating the holiday way too hard. Eagle Tits finally watched The Godfather, and we've got an update on the drama surrounding Tim and Cheryl's Bucco Board message saga. Plus, Pittsburgh Scanner delivers again with collapsing stairs, missing bar regulars, and a mystery robot dog on someone's porch.In the news, Diddy beat the big charges but still faces years behind bars, Rush Hour gets a content warning, and exploding birds in California have everyone confused. The fellas debate eyelash trimming for dudes, Paris Hilton's earthquake mix-up, and whether they'd ride Kawasaki's new four-legged robot horse. We also talk Chuck E. Cheese launching adult arcades, a guy leaving free beer on a street corner, and how guys are shaving their eyebrows to look more manly?All that and more on this week's episode of Greenfield's Finest Podcast.Check out our upcoming events, social media, and merch sale at the link below https://linktr.ee/GFP Spotify:https://open.spotify.com/show/7viuBywVXF4e52CHUgk1i5 Produced by Lane Media https://www.lanemediapgh.com/
This rest is necessary. We have so many habits and addictions waiting to devour us and we need to have rest physically and digitally from what can potentially overtake us. There are even so many opportunities for us to sin with the access that we have digitally. Opportunity to covet. Opportunity to lust. Opportunity to put trust in man or self. Opportunity to fear. Opportunity to feel insecure. The list is long and its never what it was meant to be. What did God intend this life to be about? Its always been about HIm. The glorification of our savior. To know HIM. To love HIM. To serve HIM. To point other people to him. We need clarity and sobriety of our minds to do all these things well and what gives us clarity is to have more space for that clearer mind to happen. chrome://external-file/7%20Rhythms%20of%20a%20Disciple.pdf.pdf
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, John Harcar interviews Anthony Silver, a seasoned real estate investor, about his journey in the industry, focusing on flipping properties and investing in opportunity zones. Anthony shares his personal story, including his background and the challenges he faced, as well as his strategies for success in the real estate market. He emphasizes the importance of community development and the potential benefits of investing in opportunity zones, while also providing insights into effective marketing and networking strategies. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Links & ResourcesFollow us on social media for updates: Instagram | YouTubeCheck out our recommended tool: Prop StreamThank you for tuning in! If you enjoyed this episode, please rate, follow, and review our podcast. Don't forget to share it with friends who might find it valuable. Stay connected for more insights in our next episode!
Your graduate school experience can be heavily dependent on the faculty you work with. But how can you tell what it will be like? Dr. Don Martin has been a Dean of Admissions at Columbia, University of Chicago Booth, and Northwestern, and is the author of the book Grad School Road Map - and he's overseen the admission of tens of thousands of students. In this episode, Dr. Martin shares how to evaluate grad school faculty and the research opportunities that you'll be undertaking while working with them to see if a grad program is right for you. Achievable GRE uses AI-powered adaptive learning to target your weak areas and boost your score - visit https://achievable.me/exams/gre/overview/#s=podcast to try it for free.
https://anchorbaptist1611.com/
Join Fast Casual Nation hosts Paul Barron and Cherryh Cansler as they interview Lorena Cantarovici, founder and CEO of Maria Empanada, who transformed $300 into a thriving multi-unit fast-casual empire. From her challenging beginnings as an Argentine immigrant working in Denver restaurants to building a scalable empanada concept that employs over 60 people, Cantarovici's story showcases the power of authentic ethnic cuisine in the American fast-casual market. Learn about her streamlined 1,200-square-foot model, 13-minute bake times, community impact through refugee employment, and franchising plans that position Maria Empanada as a compelling case study for restaurant professionals.FastCasualNation #MariaEmpanada #RestaurantEntrepreneurGet Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory
Send us a textOn this week's episode of the WTR Small-Cap Spotlight, Nir Brenmiller, Chief Operating Officer, Co-Founder and Director at Brenmiller Energy (NASDAQ ticker BNRG), joined Tim Gerdeman, Vice Chair & Co-Founder and Chief Marketing Officer of Water Tower Research, and Peter Gastreich, Energy and Sustainable Investing Analyst at Water Tower Research to discuss: 1) the company's innovative heat storage technology that bridges the intermittency of renewable energy generation and provides clean energy in the form of steam to industrial and other customers; 2) the multi-trillion dollar market opportunity for decarbonization of heat and electrification of heat; 3) what makes the technology competitive and lower cost when compared to traditional boilers and natural gas; 4) the company's “heat as a service” business model targeting leading corporations looking to decarbonize; and 5) the first flagship operations starting by the end of this year plus a $500 million pipeline.
Host Landry Signé speaks with Acha Leke, chairman of McKinsey & Company's Africa Region and senior partner in their Johannesburg office, about Africa's many advantages in human and natural resources. Leke explains how different actors, from family-owned businesses to national governments and international investors, can align themselves to benefit from the continent's strengths. Show notes and transcript Foresight Africa podcast is part of the Brookings Podcast Network. Subscribe and listen on Apple, Spotify, Afripods, and wherever you listen to podcasts. Send feedback email to podcasts@brookings.edu.
Click Here for the Show Notes What if everything you've heard about the Florida real estate market in 2025 is completely backwards? While major podcasts and "experts" are telling investors to RUN from Florida, one builder-investor just had his best month in company history selling 16 deals in June alone. And he's about to reveal why the timing has never been better. Ready to Get Access to These Florida Opportunities? Josh's team is currently offering select investors access to their turnkey Florida properties. Get the inside track on Josh's current inventory. Click the link below to connect with our team. We'll review what's available and see if Josh's Florida opportunities align with your investment goals.
“To be an effective climate optimist and person who cares about sustainability, you need equal parts of two different ingredients. The first is inspiration, because if you don't believe you can make a difference, and if you don't believe that what you do matters, then you're not going to try. You also need the other ingredient of empowerment. If you are really, really encouraged to try to make a difference, but you're not given the tools or the knowledge, then all that energy dissipates and becomes wasted.” —Charlie Sellars What if sustainability wasn't a burden, but an invitation? For too long, we've been told to shrink our impact and feel guilty for not doing enough. But what if the real power lies in small, positive choices that actually feel good and make a difference? Charlie Sellars, the Director of Sustainability at Microsoft and author of What We Can Do: A Climate Optimist's Guide to Sustainable Living, has spent his career turning eco-anxiety into practical, empowering action. His journey proves that you don't need to be perfect—or even an expert—to make sustainability work for your life, your business, and your happiness. Tune in as Justine and Charlie break down how to reframe sustainability from a source of stress into a source of strength, sharing real-life stories, actionable tips, and a new way to think about your impact—one that's positive, empowering, and actually doable. Meet Charlie: Charlie Sellars is a Director of Sustainability at Microsoft, which pledged to become Carbon Negative, Water Positive, Zero Waste, and Protect Ecosystems by 2030. As one of the youngest directors at the company, he has overseen sustainability for both the Windows & Devices and Cloud Operations portions of Microsoft, helping launch several sustainability-forward products ranging from new Windows PCs with repairable and recycled components to the Ocean Plastic Mouse. Recognized by IM100 as one of 2024's top 100 most impactful individuals in the digital infrastructure industry, Charlie also serves as a governing body member of the iMasons Climate Accord, an industry coalition united to decarbonize the digital infrastructure that underpins the next generation of cloud and AI services. Charlie has previously served as a board member and CTO of an impact-focused non-profit, The $100 Solution, which believes that “solutions to big problems start with small steps.” He initially joined this non-profit while studying for his Bachelor of Arts degree in Physics from Williams College, a small liberal arts school nestled in the Berkshire mountains which helped to grow his love for nature. Raised outside Milwaukee, Wisconsin, Charlie is currently based in Minneapolis, Minnesota. Website Linkedin Connect with NextGen Purpose: Website Facebook Instagram LinkedIn YouTube Episode Highlights: 01:24 Ingredients for Climate Optimism 03:27 Challenges and Opportunities in Sustainability 09:45 Data-Driven Sustainability 12:12 Reducing Personal Impact and Sustainability in Business 17:08 Empowering Individuals for Sustainability 20:35 Dietary Impact on Sustainability 25:20 What We CAN Do Resources Book What We Can Do: A Climate Optimist's Guide to Sustainable Living by Charlie Sellars
“My biggest challenge is making sure the welfare of these cats is taken care of. I'll never desert these cats. Never.” - Gloria Murli This episode is sponsored-in-part by Maddie's Fund and the Rescue Cleaners and Disinfectants. What happens when a prison island becomes a refuge for hundreds of community cats? In this powerful episode, host Stacy LeBaron sits down with Gloria Murli, retired Rikers Island captain, and Mike Phillips of Urban Cat League to explore the decades-long, compassionate mission to care for and manage the cat colonies of Rikers Island. Gloria shares how a promise to a fellow officer turned into a lifelong commitment to Rikers' feral cats, evolving into one of the nation's largest TNR (Trap-Neuter-Return) initiatives inside a correctional facility. Together with Mike, they recount the logistical, emotional, and bureaucratic challenges of working within a highly secure, sprawling facility, where cats once numbered over a thousand and lived in hidden colonies across 400 acres. Now, the project is taking an inspiring next step: creating a dedicated sanctuary on Rikers Island, transforming a former softball field into a safe haven for cats. This model sanctuary will not only stabilize the cat population but also serve as a workforce development opportunity, training low-security inmates in animal care—providing skills and hope for post-incarceration employment while improving animal welfare. We discuss creative solutions for feeding, the importance of partnerships with the Humane Society of New York, and how these lessons can guide sensitive area TNR and community cat care nationwide, from airports to correctional facilities. If you've ever wondered how passion and persistence can drive systemic change for cats, this episode will inspire you to believe in what's possible—no matter how challenging the environment. Press Play Now For: The untold story of Rikers Island's hidden cat colonies. How TNR became possible inside one of America's largest prisons. Challenges of managing 27 feeding stations on a secure island. Why building trust with authorities is key to community cat projects. How the sanctuary model may revolutionize cat care in sensitive areas. Opportunities for incarcerated individuals to gain animal care skills. Creative fundraising ideas, including sponsor-a-feeding-station models. The power of long-term commitment to transform cat welfare. Resources & Links: Rikers Island Cat Rescue (RICR): Donate, view wishlists, or sponsor a feeding station to support the cats of Rikers Island. (http://ricr.org) Urban Cat League (http://urbancatleague.org) Humane Society of New York (http://humanesocietyny.org) Sponsor Links: Maddie's Fund (https://www.communitycatspodcast.com/maddies617) Rescue Cleaners and Disinfectants (https://communitycatclinic.com) Follow & Review We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts (https://podcasts.apple.com/us/podcast/the-community-cats-podcast/id1125752101?mt=2). Select “Ratings and Reviews” and “Write a Review” then share a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.
What if the chaos around us isn't a threat, but your organisation's greatest advantage? In this thought-provoking episode, futurist and innovation expert Peter Hinssen returns to the Digital HR Leaders podcast to join host David Green in an exploration of why uncertainty is no longer the exception but the new normal, and how HR can lead the way in turning disruption into momentum. Based on insights from his new book The Uncertainty Principle, Peter challenges traditional thinking and shares a bold vision for how organisations - and their people leaders - can thrive in the “never-normal.” What you'll learn in this episode: Why uncertainty is the new strategic advantage, and how to “weaponise” it The biggest myth HR believes about change, and why it's holding us back AI's promise vs. reality and why early adoption often falls short How to unlock HR's most underutilised asset: unstructured data Real-world phoenixes - organisations rising stronger through disruption The new HR mindset and how it's redefining talent, leadership, and foresight Link to purchase Peter's book on The Uncertainty Principle This episode is sponsored by Mercer. To thrive in an AI-augmented world, organisations must rethink how work gets done. Mercer's Work Design solution uses AI to deconstruct jobs, redeploy tasks, and redesign work for greater agility, productivity, and impact. Unlock your team's full potential. Learn more at mercer.com/wfdemo. Hosted on Acast. See acast.com/privacy for more information.
BOSSes Anne Ganguzza and Danielle Famble tackle a crucial and often uncomfortable topic for voiceover professionals: money and debt. Prompted by Danielle's recent experience with an unexpected studio investment due to a flood, they delve into whether voice actors should go into debt to fund their careers. This episode explores personal relationships with debt, strategic financial planning, and the importance of financial literacy in building a sustainable voiceover business. They emphasize distinguishing between impulsive spending and calculated investments, advocating for a data-driven approach to financial decisions. 00:00 - Anne (Host) Hey bosses, Anne Ganguzza here. Are you ready to take the next step in your voiceover career? At Anne Ganguzza Productions, I specialize in target marketed coaching and demo production that gets you booked. If you're thinking about elevating your performance or creating an awesome demo, check me out at anneganguzza.com. 00:21 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO Boss. Now let's welcome your host, Anne Ganguzza. 00:40 - Anne (Host) Hey everyone, welcome to the VO Boss Podcast. I'm your host, Anne Ganguzza, and you are here with the Boss Money Talk series, and I am here with Danielle Famble. I am so excited, Danielle. It's been so long I feel like it's been an age since I've spoken to you. Hey. 00:56 - Danielle (Host) But it was just last month. Yeah, I know it hasn't been that long, but it's good to be back. 01:01 - Anne (Host) Yay, and you know talking about. One of our favorite subjects is money, money, money, money. And speaking of, I noticed you're in a sparkly new booth there, oh, this whole thing it looks like a. 01:12 - Danielle (Host) Studio Bricks. To me this is a Studio Bricks One Plus booth and I've had it for a little while now and, yeah, it's great. 01:23 - Anne (Host) Well, having investigated those studios myself, I do know that's quite an investment it is quite the investment. 01:31 - Danielle (Host) It is an investment that I took quite a long time to get to. It was not an impulse buy, but it was a purchase of necessity. 01:41 Sad news is my apartment flooded and I lost my previous apartment and also booth along the way, and so it was time to get a new booth, and I knew exactly what I wanted to get. Is there insurance for that sort of thing, like for my apartment? And so it was. My previous booth was reimbursed essentially the cost of that booth, but it was not. It was a less expensive booth than this one, obviously, so there was a delta that I had. 02:16 - Anne (Host) So you do have. Yeah, so you did. You did have some, you did have some recovery money for that but you know, it, it. It poses an interesting question. You know you, it seems to, I did yes voiceover talent. Or should you know people that want to get into the voiceover industry go into debt to pay for something like a booth or to pay for their entrance into the industry? I think that would be a good topic to chat about. 02:54 - Danielle (Host) Yeah, that's really interesting. I mean, you hit the nail on the head for me. Obviously, my apartment flooding was an unexpected expense, so therefore, the emergency fund really came to be used for its intended purpose. And I you know that's a really good question, because not you don't always have the money to go after the necessities of your dreams. You know, a booth like this is quite a big investment, or even things like your demos or your equipment microphones, coaching, all of those things. 03:28 It costs quite a bit of money. I, because of my personal experience with debt and getting myself out of debt, I am pretty debt averse, so I choose to have my emergency fund pay for the things that are knowable expenses when it comes to building a life and building a career. That's what I try to do. But I can see a reason why there are ways to use debt to your advantage if you know what you're doing. But for me personally, I try to not use debt, especially if I know that something big is coming. Obviously I didn't know that I needed to get a studio bricks, you know when my apartment flooded and also moving and those kind of costs that were incurred and the stress of it all. I was living in a hotel for three weeks because I did not have a place to live. So obviously those things you know. If you don't know and you can't incur those costs because you can't predict it then debt is a tool that can be used. 04:31 I'm just debt averse, and so I try to use other tools before utilizing the lever of debt. But what do you think, Anne? 04:39 - Anne (Host) Yeah, I mean, I think really, it a lot of it has to with and we had talked about this before if you have any type of money blocks, if you grew up with a certain set of beliefs about money. Yeah, I think that I also have been in a position where I've had debt, I've had to pay off, and I don't like to be in a debt situation. Sure, and, if possible, I really encourage everybody to just create that savings account and we've talked about this before the high yield savings account, which I think is really great. But you know, I mean, banks have business loans for a purpose, right, because we are a business. Now, I think, because we are a business that sells our voice, right, we tend to think it's much lower upfront cost, right. 05:26 Then, some businesses, when you have to invest and buy God forbid, you have to rent like a storefront and then you have to buy inventory. So, I think, with the advent of technology and online businesses, people have maybe, maybe it's come to be like a false sense of, hey, it doesn't cost a lot of money to invest in. Let me just open an online business, which is where voiceover tends to fall. However, there's, there's costs that you know you incur in this business and we've talked about that. I mean, there's absolutely your equipment, your studio and, of course, your voice is a cost, because you've got to be able to get jobs with your voice, and so in order to create the best product out there, you've got to train that voice, You've got to have products that showcase that voice, like coaching and demos, and so website and things like you know yeah, and so I am initially adverse. 06:25 However, I think there are, as you mentioned before, calculated strategic ways that you can invest in your business and make other people's money work for you. And you know, one thing comes to mind where my husband took out a loan because there was an offer of a 0% interest, which you know I mean gosh back when we did have some debt. I mean we were great at juggling those 0% interest cards, right, because we didn't have to pay our money in interest. And so he saw an offer and because he wanted to have some extra cushion in the overdraft account, he said let me take out a loan and so let me let me open this credit card, right, so for a certain amount of debt. And and there it sat, and all of a sudden I noticed that my credit score kind of dinged down like a point. I went, hey, what's this? What's this new credit card where there's a certain amount of debt in there and not that had been used, but there was a certain. It was just a new credit card. And he said, oh yeah, I took that out just for overdraft protection, which I think is absolutely fine. 07:33 However, I didn't like my credit score being dinged. But either way, I said well, look, because I had such a good experience with a high yield savings account, I said why don't you just take that chunk of money and throw it into a high-yield savings account? Because, first of all, you're not going to get charged any interest for about a year. So if you calculate the going rate on a high-yield savings account, which right now is about 3.75, I think mine was up at 4.35 at one percent at one point, but I mean it's still really good. And if you have even a few thousand dollars right that you can invest into or put that into the high yield savings account, you leave it in there for a few months and you don't use it. That generates money for you. And that's the thing. 08:16 I kept seeing this credit card and he wasn't using it. He was just using it for cushion, to just sit there. And I'm like well, have it sit there in a high yield savings account so that in a year, once it starts, you know, charging interest, we can have made a few thousand dollars and then way we can pay off the small amount of, you know, credit card debt that we have right now. And to me that would be a strategic way and, believe it or not, like he and I I mean we. I mean, one of the reasons why we're still married after all these years is that we very rarely have financial fights. 08:45 I truly believe that to be the case, but we always we had our own accounts. We, you know, basically have just remained that way throughout our marriage because, you know, we got married a little bit later in life, so I always had my own account, I had his account, and we just created a new account where we pool the money in for, like vacations, and so, you know, we basically live our lives trying to be debt free, and so this is just one of those things because he's really good at finagling those zero percent credit card rates, I'm like, well, at least put it in a high savings yield account. I think that that's a great way to strategically use maybe the bank's way of making money right to generate money that we can pay off our own debt, and I think that might be a strategic way. 09:29 - Danielle (Host) I like that. 09:30 - Anne (Host) Because that might be able to fund your next booth or fund your next microphone or fund your next demo Right. 09:37 - Danielle (Host) Right, right. What I appreciate about that is you were using cold hard facts, right. You were using logic, you were using numbers and you were able to calculate what makes the most sense. Let's just say I need to take out a loan for $10,000,. Let's just say and I've got a 12% one-year interest-free amount of time Okay, I know that it's $10,000. I know that I've got a year to pay it back. Can I reasonably pay back the full $10,000 in the 12 months? 10:33 that's $3,000 to $4,000. You can invest in a. With data. I say go right ahead. But on the flip side of that, if you're looking at this from a place of like scarcity fear, you're not really sure if you can pay it back. Then you're likely putting yourself in a long-term revolving door where you'll need to open up another line of credit to then pay off that line of credit and then you're not building money. You're actually a victim of the bank, instead of using the banks in the way that they're using us, which is to use us to make money, you know, and interest in everything else. So you know. 11:10 For that reason, yes, but that means you have to be super dialed into the logic and the data and the numbers and the facts, and I feel like I fear that some people don't do that, and then they enter into these with, like the hope that they will be able to pay it off, and hope is not currency. 11:28 So that to me is oh that's the words of wisdom right there Hope is not currency. 11:33 - Anne (Host) I love that, Danielle 11:34 - Danielle (Host) Hope is not currency and I feel like if we're, if we're trying to hope our way by using debt as a tool, that is a recipe for disaster. But if you know that you can keep yourself financially in a good place and even actually in a better place where you can make money on other people's money, go right ahead. 11:56 - Anne (Host) You know that's so funny. I'm so glad that you brought this home and gave that perspective, because I think it really makes a lot of sense. And I'll tell you what. It was something that I was. I never really thought about using the banks to make more money because I just was never into financial money like investigation, like that, before, until I started my own business, in which case now it became very important that I had money and that I was able to keep my money or pay you know, pay for my business, right, pay the expenses of my business, especially having you know people that work for me, and paying you know my agency and all that sort of thing, so actually having like money in and money out. 12:41 I then all of a sudden really had to take a hard, cold look at my money, which I think everybody that does this for a living needs to do, because, again, we are businesses and we Anne forget that. As easy as it sounds to have to do this right, to just get on our studios and audition and get jobs and make money and or invest some money, it's really a business and you've got to take a cold, hard look at numbers in order to make it worth your while and to make it sustainable and to grow, and for me it's something that it was like an epiphany almost. I'm like, hey, why don't we do this? Because I had a good money experience here investing this and then I thought to myself gosh banks do that to us all the time. They're making money off our interest. That's exactly how it works. I'm like why can't I do the? 13:32 - Danielle (Host) same thing. Yeah, and it's interesting because the thing is banks whenever we're like doing a loan, getting a loan with them or anything else, they are investigating into us because they have a business model that they know works, so they're utilizing their data to make sure that giving us a loan makes sense for them. We have to do the exact same thing when we're looking at utilizing debt, because a bank would never just say, oh yeah, I mean I hope it'll get paid back, I hope you'll pay us. Mean, I hope it'll get paid back, I hope you'll pay us back. 14:03 - Anne (Host) I hope you'll pay it back. 14:04 - Danielle (Host) They aren't going to do that. That's why, after a certain amount of time, the interest is so high it's so much higher than you would make on your high-yield savings account because they need to ensure that they are getting their money back, plus some. We can do the exact same thing, but it goes back to making sure that you are tracking your numbers. You know your data. 14:28 - Anne (Host) You can look at historical data and you know the risk and you know the risk. I think that's an important component of if you're going to play. If you're going to play like that, you have to know the risk. Now, for us, the risk in a high yield savings account is so much less than, let's say, the stock market. I have to keep my eye on all the time and make sure that that interest rate I mean, at one point it started above 4% and now it's down at 3.7 something percent. But keeping your eye on that and then keeping your eye on the track record, how long has it been at this? 14:51 And every month I'm checking my high yield savings account so that I can say, okay, this month I made X amount of dollars, which is really great, because I just continue. It just makes me want to put more money into my high yield savings account and there is a cap on it. So you do have to know those things as well. Right, you can only put so much money into that high yield savings account. Well, guess what? I'm opening up a second one so you know when you've gotten to that point where you're making that investment. And that's where, danielle, I feel that I'm very, very fortunate, grateful and worked very hard to feel like there's my financial cushion Should something like a disaster happen. 15:29 I mean, and I'm you know fires here in Southern California are a thing you know if something were to happen, I would have that money and also that's money that's kind of earmarked for retirement as well. But I also have a different retirement account for that, totally. 15:44 - Danielle (Host) You've got all these different buckets for as your emergency fund, but then you're using what I like about this. What you just said is that for me, anyway, using my emergency fund and then also using the money of the interest that's being made and my emergency fund it's in the high yield savings account I'm choosing to be my own bank, so I'm using the money that I'm making as the interest. Also, I'm dipping into that emergency fund because that's what it's for, and all I need to do is either just pay my loan back my loan to myself, pay that back to bring my emergency fund back, or let the high yield savings account let the interest pay that back for me over time. Yeah, so there are ways to sort of like make it work. But you know, if you don't know what the numbers and the data and everything looks like and you're not making these informed choices and decisions by using debt, it really can, you know, become a problem. But we can also become our own banks. 16:43 - Anne (Host) Money is and also when it comes time to. You know, most recently, I just invested in a new agency to do some work for for my brands, and it was a considerable investment and it was a risk. Again, it was one of those things when we talk about taking risks. It was a calculated risk and a strategic risk because I looked very closely at the amount that I was going to have to invest and for how long. So I always want to say that I need an escape route. 17:33 Right, if you invest in something and you don't want to have recurring payments, that kind of thing. Right, you don't have recurring debt. Right, just like debt, you have to pay every month and you have to pay a particular interest charge. You don't want to have recurring debt and I try to not have any of that happening at all. But if there is recurring debt that would be like oh, I'm paying off a bill or I'm paying off like a service and it goes for so many months and it's this amount of money. Well, make sure that you've accounted for that within your business and you have the money in case your business is not making the money. Right, and that is one thing that allows me to continually invest in my business take risks and then move forward. 18:14 - Danielle (Host) You have to. You have to constantly be looking at that. This is not a job, a career in any business, business, really, where you're just doing the passion, the thing that you really enjoy doing. There's this entire other operations and data management and education aspect to it that you constantly have to be investing in, and the investment isn't always financial, it is in time, it is in learning, it's in investing in yourself, it's investing in the person and the entrepreneur that you want to be in the future. And yes, money powers that, but it's not always a financial investment. So, really, just make sure that you are able to take the time to do that, to take the time to invest in yourself, and you know the ramifications of it. But debt is I'll go back to this debt is just a tool that you can use. So use your tools wisely. Maybe you need to use other people's money, maybe you use your own currency, but there are ways to grow by utilizing debt. You know, I still try to be. I try to be the bank first and then, sure. 19:24 - Anne (Host) Well, I don't like owing money. I mean I'm that person like at the end of the month, man, pay it off, just pay it off, just get. Although you know there there is, you know when you talk about it, when you take out loans like a car loan or a home loan, I mean that does establish better credit. And so you know, not having like not having credit at all can hurt you Exactly. And so not having some debt or a loan can can hurt your credit. And so it's that game of playing like paying it all off is great, but sometimes it damages your credit If you don't have enough credit open because the banks think, well, I mean it's good that they've paid. What is that? What is the mentality behind that? It's good that they pay off everything, but why is it that you need to have a credit card in order to have better credit? 20:09 - Danielle (Host) That goes kind of back to like for me. That goes back to my history and psychology with money and debt. I was just flat out told debt is wrong, Credit is wrong, it's bad, don't use it. And so when it was time for me in my mid-20s to get a credit card or at least try to make bigger purchases, I had no credit history there was no record. 20:34 So you can't show that you are credit worthy. Until you have a history, until you have credit. And it is this cycle that you really need to understand. And since I was completely ignorant of that because I was just told it's bad, don't play that game. I was at a disadvantage. So you do need to be in it to utilize it, sure, sure, but if you don't, then you're not going to be able to show that you're credit worthy. 21:05 So so, it's a, it's a it's. It's an interesting thing and I think really it should start with education. 21:10 I wish I was educated on it a little bit earlier in life so that I could have a longer amount of time to show hey, I am credit worthy, I am paying my bills on time, I am paying my debts off, and and here's my history of being able to do it it's it's interesting are ways. I think there are ways to learn about it and not get burned, so that you can have a positive experience with money and debt instead of just not knowing or having worse, having fear about it. 21:40 - Anne (Host) I think you make a valid point there and I think I personally, having come from an education background, really believe that financial education should happen in like grade school. Oh yeah, I mean in grade school. 21:53 And there should be, because there's so much, I think, fear For me. I always said it was denial Right, because when I got my first credit card I was like, woohoo, you know I can go and you know, buy this, I can buy anything I want. And then all of a sudden it's like, well, wait a minute, I've got this thing called interest, and why do I have to pay this extra money? And it was interesting because I wasn't really educated in high school about credit cards or finances or really much of any of that, and so it can get out of hand. I mean, I literally just had such a shopping spree with that credit card thinking, oh my gosh, well, I've got a job, I can, you know, I can pay this. But then it can get out of control, it can spiral quickly. You know, I think if I were educated a little bit, I think really the best education that I have gotten recently is having my own business, because for a long time and I think a lot of people might feel the same here it was denial right. I would get that credit card statement at the you know every month and I'd say, okay, all right, it went up a little bit, I can pay that by. You know, all I can do is pay a little bit more every month, and it just was one of those things where I kind of stopped looking. I was like, yeah, here, here's my card. 23:02 And I think denial is a form of fear. 23:04 Oh yes, it is a fear of really looking at the real numbers and seeing what's there. 23:10 And I think, for voice actors just getting into this industry, there are investments We've talked about this in our past episodes investments that you have to make, but they're minimal compared to, let's say, a storefront that requires inventory, but they're still investments, and so, therefore, you do have to be willing to take a risk and make an investment in your product, and that means good coaching and experience having a business. 23:36 That's also something that I think is priceless. Can you really pay for having a business experience like having a voiceover business? I think if I had really succumbed to my fears in the first couple of years, where I wasn't making a whole lot of money, I would have given it up. I would have given up my career and said I'm not making any money and so, therefore, maybe this isn't a viable business for me. So there's that, I think, that balance between taking the risk and then if I had had a financial cushion back at that time when I was taking the risk and then if I had had a financial cushion back at that time when I was taking the risk, I think I could have grown my business much faster. 24:12 - Danielle (Host) Your financial cushion we go. 24:15 You know this goes back to earlier episodes where sometimes your day job or you know other things that you are doing to make money outside of voiceover or outside of this business is your financial cushion, and that's a wonderful thing to have. 24:28 So don't look at it as a detriment. Look at it as something that you are using as another, one of those tools to be able to further your investment in yourself, in your business, in your coaching, in all the things that you would need to support yourself in this business, to support yourself in this business. There are so many different ways to fund this dream, this business, this career. It doesn't have to just be one tool, but you really do have to stay on top of understanding how to use a tool and what it's going to cost you in terms of paying it back or what you're going to gain from it in terms of you know, using the interest If you are using a line of credit, for example how you can really win. That's really what it is is. You can take risks, but it's a calculated risk so that you can make sure that you always are in the winning position. 25:19 - Anne (Host) You want to win. Win that game. Yeah, absolutely, because it's scary to not be in a winning position. For sure, that is for sure. Wow, absolutely, because it's scary to not be in a winning position. For sure, that is for sure. Wow. What a great conversation, danielle. I really appreciate it. Gosh, I love talking to you about money. 25:32 - Danielle (Host) I love talking about money, so let's keep doing it. 25:35 - Anne (Host) Oh gosh. Well, thank you so much. And, bosses, I'm going to give a great big shout out to our sponsor, ipdtl. You too can connect and network and talk money like bosses. Find out more at IPDTLcom. Bosses, have an amazing week and we'll see you next week. Bye. 25:53 - Speaker 2 (Announcement) Bye. Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at VOobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.
What matters more when it comes to success: perfect timing or making your own luck? Some people wait for the right moment. Others jump in and make things happen. Most of us fall somewhere in the middle. In this episode, we discuss how much timing shapes our lives, and how much depends on our efforts. You'll get real stories and smart insights to help you make sense of both. Joining me are two special guests: Sahar Milani, an Experiential Brand Specialist and host of the Mindful Makers Podcast and Laura Roche, an experienced MC and a voice for mindfulness and self-compassion. Together, we'll look at where action meets timing. When is it best to trust the flow, and when should you cut in and move ahead? By the end, you'll see how both can help you unlock new doors. Tune in for tips you can use, ideas to try, and a few prompts that might spark your own next step.
Ryan Nembhard led the NCAA in assists in 2024/25 with Gonzaga, and he'll look to make a name for himself in the NBA with the Mavericks in the 2025 Summer League. He joined the K&C Masterpiece to talk about what led him to sign with the Mavs after going undrafted, what he's learned about being a pro from his brother Andrew, who plays for the Pacers, and more.
Josh Dorfman, CEO, Co-Founder and host of Super Cool, joins us this week to share his origin story and entrepreneurial journey in climate technology, influenced by his parents' business and his international experiences. From sustainable furniture to founding Planted (a company that produces carbon-negative building materials), to now Co-Founder, CEO and Host of Super Cool, Josh is passionately working to bring the climate innovations happening around the world to business and individuals for a better planet - today. We also discuss the need for storytelling in order to promote climate tech innovations and the benefits to everyone. Great conversation! Check out Super Cool! https://getsuper.cool/ Super Cool is a podcast, newsletter, and hosts curated events to spotlight climate innovators and initiatives and distill their playbooks for building the low-carbon future. Here's to building a fantastic future, on Earth and off it - and continued progress in Space (and humanity)! Spread Love, Spread Science Alex G. Orphanos Timestamps: 00:00 Josh Dorfman's Introduction and Podcast Setup 02:22 Josh Dorfman's Entrepreneurial Journey 13:00 Transition to Sustainability and Super Cool 25:36 Planted's Innovative Approach and Success 32:14 Super Cool and Climate Tech Innovations 38:29 AI and Energy Efficiency in Buildings 48:36 Challenges and Opportunities in AI Adoption 54:08 Storytelling and Human Connection in Climate Advocacy 56:45 Final Thoughts and Future Directions We'd like to thank our sponsors: AG3D Printing (go to ag3d-printing.com to learn more & start 3D printing today!) Today In Space Merch: James Webb Space Telescope Model (3DPrinted) https://ag3dprinting.etsy.com/listing/1839142903 SpaceX Starship-Inspired Rocket Pen (3DPrinted) https://ag3dprinting.etsy.com/listing/1602850640 Blue Origin New Glenn-inspired Rocket Pen (3DPrinted) https://ag3dprinting.etsy.com/listing/1859644348 Support the podcast: • Buy a 3D printed gift from our shop - ag3dprinting.etsy.com • Get a free quote on your next 3D printing project at ag3d-printing.com • Donate at todayinspace.net #Climate #AI #Technology #ClimateChange #ClimateTechnology #Earth #Entrepreneur #BusinessOwner #Planted #SustainableTech #Sustainability #SpaceX
We have another asked and answered topic this week! We are talking about reframing what many designers see as “wasted” discovery calls. Just because a lead isn't a fit for full service doesn't mean it's a dead end. Consider this as a chance to position your firm as a resource, build brand equity, and generate revenue—especially when you offer varied tiers of service. Start looking for smart strategies to redirect leads, educate potential clients, and how to stay visible—even when they say no. This episode is a must-listen for designers who want to create income stability and long-term opportunity in any market.Have a question--click here to ask us.RESOURCE LINKS:Damn Good Designer - Damn Good Designer - WebsiteThe best business coaching for Interior designers—seriously. This is not some wham-bam glamathon; It is the real deal you have been looking for and what is missing from the business coaching marketplace today. The Design Paradigm - The Interior Design Paradigm - WebsiteA 12 month comprehensive and powerful business coaching program for creative entrepreneurs who are serious about running a profitable business and being the expert in the room. It is the only coaching program to combine individual attention & accountability with live group workshops, honest video presentations and customized attention to your needs.Join our FREE Facebook GroupsSmall Business - Think Big - FacebookWhat They Didn't Teach You in Design School - Facebook GroupFor designers who need honest talk and a place to work on the business, marketing and promotion small business owners need. Subscribe to our Newsletter and get our FREE downloadHidden Keys for Growth for 2025 - DOWNLOAD NOW***Any use of this page and its content to develop or train artificial intelligence or to do computer analysis is prohibited.***
Why do some physicians dedicate their lives to serving the under-resourced and uninsured? Dr. Mary T. Neal joins Dorothy to share her path from early aspirations, through medical school at a young age, to years in private practice and volunteer work at San Jose Clinic. She describes her shift from pediatrics to obstetrics and gynecology, explaining why she values relationships with pregnant women and their families. At San Jose Clinic, Dr. Neal assists women with gynecological care and helps guide those who are pregnant into OB care. The conversation covers obstacles uninsured women face, including limited transportation and late-stage diagnoses due to lack of regular care. Dr. Neal discusses her encounters with human trafficking survivors, her commitment to cancer research, and the evolution of cancer therapies. Subscribe to Let’s Talk About Your Breasts on Apple Podcasts, Spotify, iHeart, and wherever you get your podcasts. Key Questions Answered 1. How did Dr. Mary T. Neal decide to become a physician? 2. What was Dr. Neal’s journey through medical school and into her specialty? 3. What kind of care does Dr. Neal provide as a volunteer at San Jose Clinic? 4. How do clinics like San Jose and St. Mary’s help the under-resourced population? 5. What are the biggest challenges for uninsured or underserved women in accessing breast care? 6. How is human trafficking encountered in Dr. Neal’s clinical work, and how does she approach it? 7. What makes Dr. Judy Chang notable within the cancer physician community? 8. How did Dr. Neal and her husband meet and what makes their relationship unique? 9. Why are new cancer therapies, specifically immunotherapy, so important according to Dr. Neal? 10. How has Dr. Neal supported cancer research and the local medical community beyond clinical practice? Timestamped Overview 00:00 "Dr. Neal's Community Impact" 03:05 From Pediatrics to Obstetrics Passion 08:22 San Jose's Fight Against Trafficking 11:16 Collaborative Cancer Research Initiative 15:00 "Mammograms: Early Detection Advocated" 18:04 Relationship Beginnings: Meeting Ron 20:40 Values in Relationships and Parenting 25:08 Immunotherapy's Impact on Cancer Control 29:00 "Medicine: A Life of Service"See omnystudio.com/listener for privacy information.
In episode 223, Darrin wraps up the special six-part NASSP Principal of the Year finalist series with an inspiring conversation with Shauna Haney, Principal of Ogden High School in Ogden, Utah. Shauna shares her journey from teacher and coach to school leader, and how her coaching background helped shape her leadership philosophy.We dig into the systems she and her team have put in place to support staff, build teacher-led professional development, and align their work around a shared vision rooted in ROAR: Relationships, Opportunity, Accountability, and Rigor. You'll hear how her team has achieved a 95% staff retention rate and how small, intentional acts—like student-written postcards of appreciation and teacher shoutouts—help fuel a positive culture of gratitude.Shauna also shares her approach to being present in the building, the importance of hallway zones and rolling desks, and how she's using data, teacher voice, and intentional leadership to make a lasting difference for her students and staff.About Shauna Haney: Before becoming the principal of Ogden High School, Shauna Haney served as an assistant principal and taught exercise science, health, special education, and physical education. She's a two-time Teacher of the Year and received a Distinguished Leadership Award in 2014. Known for her forward-thinking leadership, Shauna helped Ogden become one of Utah's first schools to implement a no cell phone policy. Her focus on building a strong, supportive school culture has led to an impressive 90–95% staff retention rate post-COVID, and under her guidance, the school has made tremendous gains in literacy, graduation, PBIS, and talent development. Shauna credits the school's success to the powerful synergy between staff, students, and a deeply supportive community.Email Shauna: haneys@ogdensd.orgBooks Mentioned:The Wonder Drug: 7 Scientifically Proven Ways That Serving Others Is the Best Medicine for Yourself – By Stephen Trzeciak & Anthony MazzarelliRerouting: Resilience Tools and Tactics – By Duncan KirkwoodDriven by Data: A Practical Guide to Improve Instruction– By Paul Bambrick-Santoyo
Publication professionals face many challenges during the development and execution of a publication plan. These challenges differ based on the size of the pharma company, product lifecycle, SOPs and infrastructure. Today, we bring together three seasoned publication pros from small, mid-size, and large pharma companies. They'll share tips and real-world takes on dealing with things like team structure, tight budgets, and figuring out where AI fits in.To join ISMPP, visit our website at https://www.ismpp.org/ This episode is generously sponsored by Avalere Health.
My guest today is my friend, Hannah Grannemann. She is working on a book and had more ideas than she knew what to do with...so she came to share them with us. We hit on tons of topics: The Kennedy Center Recovery from COVID Funding for the arts Building a bigger base of donors The relevance of the arts And, much more! Visit my website at www.DaveWakeman.com Get 'Talking Tickets' at https://talkingtickets.substack.com
The Moneywise Radio Show and Podcast Tuesday, July 8th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Sonia (Harpreet) Dhillon RN, BSN, Owner of Solace Healthcare Inc. website: https://solacehc.com/
Linear thinking squanders $500 billion annually. The revelation? Ecosystemic collaboration across value chains unlocks it.Textile innovators shatter assumptions—strategic design choices create immediate circular economics. Dr. Rawaa Ammar, Chief Sustainability & Impact Officer at Resortecs, reveals a counterintuitive reality: While companies optimize in isolation, the industry collectively discards $500 billion in materials (equivalent to one garbage truck of textiles every second). Ecosystemic design captures 85-90% through active disassembly—but only when entire value chains collaborate.Unexpected Paradigm Shifts:→ Value Chain Orchestration: Success requires collaboration across entire ecosystems (brands, collectors, recyclers)—silos prevent circular economics → Scale Inversion: Siloed, manual processes hit scaling walls—you can't "hire more workers" for circular economics → Critical Materials Redefinition: Cotton becomes strategically critical when supply chains break (Suez Canal delays cost billions) → Policy Innovation Engine: EU's 16 textile regulations generate ecosystemic collaboration and profit centersEconomic Reality: → 100 billion garments produced annually,
AI isn't a campaign. It's a core banking reset.In this episode of Couchonomics with Arjun, we're joined by Amith Rajan, CEO of Neo Ventures and Head of Digital Wholesale Banking at Mashreq, for a candid conversation on how AI, tokenization, and infrastructure transformation are reshaping the banking stack from the inside out.We unpack:- Why "rip and replace" is a myth and what real legacy evolution looks like-How Mashreq is deploying AI across KYC, onboarding, and customer insights-The role of tokenized assets, CBDCs, and smart contracts in wholesale banking- How Neo Ventures is exporting IP and scaling infrastructure beyond capital- Why culture, not technology, is the biggest barrier to digital transformation
We're back for another round of listener questions, and this week we've got some tricky decisions... (0:47) Aaron's based in London with £25k in savings and some equity in his home. He's keen to start investing, eyeing the Midlands or North, but torn on whether to tap into his equity or stick with his savings. And when choosing where to buy, what's more important: making sure you've absolutely nailed the right town, or picking the best street in whichever location you go for? (5:46) Long-time listener Josh has just offered on his second buy-to-let, but he's worried. The building might fall under the Building Safety Act, he hasn't seen an EWS1 form yet, and there's something on the balcony that screams cladding or fire risk assessment. Should he run a mile or factor the risk into the price? Enjoy the show? Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Send us your question by leaving us a voicemail here Find out more about Property Hub Invest
In the age of AI, customer trust is a hard-won commodity. Join us in this episode of AWS Executive Insights as we speak with Matt Saner, AWS Security Solutions Architect Manager, about the critical intersection of AI, security, and customer trust. AWS security evangelist Clarke Rodgers sits down with Matt to learn how AWS collaborates with customers to address their security challenges in adopting generative AI. Saner emphasizes the importance of understanding industry-specific needs and translating customer feedback into product improvements. This can't-miss episode also introduces the Generative AI Security Scoping Matrix, a tool organizations can use to securely navigate AI implementation. This episode provides valuable insights for leaders seeking to implement customer-driven AI development while maintaining the highest standards of security and trust.
Mirell Reyes, CEO North America, and Kevin Smith, chief sales officer North America for Sea Cloud Cruises, talk with Alan Fine of Insider Travel Report about expanding the brand's presence in North America. They outline the appeal of the all-inclusive, luxury sailing experience—from hand-raised sails and intimate itineraries to strong commission opportunities and group incentives for travel advisors. For more information, visit www.seacloud.com.
How does an accountant, outdoor enthusiast, foodie, model and content creator do it all? Kay's passion is contagious! Just by listening, I hope you will feel how I did, ready to continue in my passions and find a way to do it all. And great conversations on overcoming fear and her top 3 relationship advice tips.We chat about a commercial she made, you can watch it here:https://www.instagram.com/reel/C-l4aPRvrk-/?igsh=MXdmYnQ1aWIwOTVzcw==and best for last, her top 3 favorite places to eat out for date night:1. Sol and Sabor: Murray UT https://www.instagram.com/solandsabor?utm_source=ig_web_button_share_sheet&igsh=MWRneWRqemZjZjAycw%3D%3D2. Tekila: Park City UThttps://tekilamexicangrill.com/3. White Tomato Artisan Pastahttps://www.instagram.com/white.tomato.pasta/
There's a certain electricity that only happens when you're in the right room.You know the kind, where the air literally feels different.Ideas move faster.Opportunities ricochet.You leave feeling more you than when you walked in.I'll never forget the moment my former mentor Mary Morrissey walked onto the stage at my first ever live event and shared a powerful story.The whole room inhaled in unison.It was as if our lungs synced to the same heartbeat.I share the full story and more on this week's podcast episode because I want you to know:⚡ Possibility is a frequency.⚡ You can tune into it just by being in the right room.⚡ And once you're there, everything starts to shift.In this episode, I unpack: – The 3 pivotal rooms that transformed my personal and professional path – Why “information” isn't the secret to transformation (it's implementation and embodiment)– A 3-word compass to help you prep energetically for any room you step into next
Are you a business owner approaching retirement or just starting to think about a future sale? In this episode of Retirement Planning Simplified, Joe sits down with Matt Holmes, partner at Homes Riseleys CPA, to uncover the biggest mistakes business owners make when it comes to succession planning and selling their business and how to avoid them. He explains new tax rules for 2024 and how they can affect business sales, including updates to the capital gains exemption, AMT, and anti-avoidance legislation. Matt brings decades of tax and structuring experience to this conversation covering everything from tax-saving strategies to real-life horror stories of owners who waited too long to plan. Here's what you're in for: 00:00 Common Mistakes in Business Value Creation 04:26 Importance of Planning for Unexpected Sales 07:28 Successful Business Transitions 11:07 Structuring and Tax Advisory for Business Owners 20:34 Nuances of Selling to Family vs. Third Parties 25:30 New Rules and Legislation for 2024 32:48 Conclusion ABOUT MATT HOLMES Matt Holmes is a seasoned tax advisor with over 25 years of experience helping small to medium-sized business owners achieve their goals through tailored business, tax, and accounting strategies. A Chartered Accountant and graduate of Ryerson University, Matt specializes in corporate reorganizations, estate planning, and succession strategies for owner-managed businesses across industries like healthcare, real estate, and tech. His expertise lies in tax minimization and wealth maximization, particularly during business transitions, sales, and generational transfers. You can reach out to Matt through: LinkedIn:https://www.linkedin.com/in/matt-holmes-15294b14 Website: https://www.holmescpa.ca (Company) ABOUT JOE CURRY Joe Curry is the host of Business and Exit Planning Simplified and the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario. A Certified Financial Planner and Certified Exit Planning Advisor, Joe is passionate about helping business owners maximize value, plan successful exits, and find purpose beyond their business. His mission is to ensure clients retire with confidence—financially secure and personally fulfilled. You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ https://www.facebook.com/RetirementPlanningSimplified/ https://matthewsandassociates.ca/ ABOUT BUSINESS AND EXIT PLANNING SIMPLIFIED The Business and Exit Planning Simplified podcast offers clear, actionable guidance to help business owners maximize value, plan successful exits, and achieve financial freedom. Hosted by Joe Curry, a Certified Financial Planner and Certified Exit Planning Advisor, each episode delivers expert insights, real-life case studies, and practical strategies tailored for service-based entrepreneurs approaching retirement. The podcast empowers listeners to transition with clarity, confidence, and a renewed sense of purpose. —------------------------------------------------------------- Disclaimer: Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.
This is a video episode which you can watch here.TakeawaysFeinman transitioned from Bloomingdale's to Goodwill for a mission-driven role.Goodwill's technology was outdated, requiring significant upgrades.AI has transformed Goodwill's e-commerce operations, increasing efficiency.The demographic of Goodwill shoppers has shifted towards younger consumers.Goodwill uses data analytics to optimize store locations for donations and sales.E-commerce sales at Goodwill have increased by 25% year-over-year.The return rate for Goodwill's e-commerce is impressively low at 0.26%.Michael emphasizes the importance of testing new technologies before full implementation.Goodwill is exploring international shipping to expand its market.Leadership and innovation are crucial for adapting to retail challenges.Chapters00:00 This Week in Research: New Reports and Data01:37 Feinman's Journey in Retail04:05 Technology Roadmap at Goodwill08:36 E-Commerce Strategy and Operations12:19 The Future of E-Commerce and AI Innovations18:25 Challenges and Opportunities in Retail Technology25:00 Consumer Behavior and Returns Management30:48 Innovation and Leadership in Retail37:15 Conclusion and Future Outlook Read Coresight Research reports on sustainability and AI in retail. Visit the Retail Technology Hub to explore reports, data and competitive landscapes on technology.
2025 was hyped as the big comeback year for IPOs—but the reality might not be so simple. In this episode, Nicole sits down with Ed Elson, Scott Galloway's cohost of the Prof G Markets podcast, to unpack who really profits when companies go public and what retail investors need to watch out for. They also dive into how the Big, Beautiful Bill could make it even harder for younger generations to build wealth. Listen to Prof G Markets here. 00:00 Defining IPOs and 2025 Trends 01:14 Meet Ed Elson 03:04 Unpacking Recent IPOs and The Critique 07:20 Challenges for Retail Investors Looking at IPOs 17:56 The Mechanics of Going Public 30:34 Why Accredited Investor Framework Is Nonsense 32:22 Ed Elson's Prof G Origin Story 34:11 The Emotional Value of Money 36:34 Why the Big, Beautiful Bill Wealth Transfer from Young to Old 41:46 Trump's Crypto Projects 46:21 Bullish or Bearish Game 55:41 Career Advice
This first-generation Latina shares her journey from entry-level employee at a credit union to co-owner of New American Funding, the largest Latina-owned private mortgage company in the nation. Patty shares how leaving corporate America to become an entrepreneur enabled her to build wealth, and the (many) mistakes she has made once, but never again.Follow Patty on Instagram @pattyarvielo. If you liked this episode, listen to How Carolyn Rodz Is Connecting Entrepreneurs with Opportunities and Why Rum Master Distiller Sylvia Santiago Will Never Quit.
Be sure to visit cultureproof.net Please consider supporting the Culture Proof Podcast. We aim to bring engaging content that will challenge and equip Christians to live according to the Straight Edge of Scripture. All gifts are tax deductible. Our Address is: S.E. Ministries PO Box 1269 Saltillo MS, 38866 Episode sponsors: BJUPress Homeschool We Heart Nutrition – Use the code CULTUREPROOF for 20% off Accountable2You – Try free for 10 days Forever-Written Culture Proof Listeners THANKS! Culture Proof Podcast Theme song "Believers" courtesy of Path of Revelation
“The Lord now chose seventy-two other disciples and sent them ahead in pairs to all the towns and places he planned to visit. These were his instructions to them: ‘The harvest is great, but the workers are few. So pray to the Lord who is in charge of the harvest; ask him to send more workers into his fields.’” (Luke 10:1–2 NLT) *Enjoying Pastor Greg's devotional podcast? Let us know what you think with this quick survey!* A spiritual revival often begins with a sense of dissatisfaction, a realization that something is missing in your life. Have you experienced that? Maybe you’ve wondered what to do with your life. Maybe you’re middle-aged or getting on a little bit in years. You’re looking at the course that your life is taking and asking, “Is this really where I want to go?” Maybe you’ve reached some of the goals you set for yourself. You’ve had a certain level of success, but still feel like your life is lacking some meaning and purpose. Maybe you’re a young person asking, “What am I going to do? What should I be spending my life on?” None of us wants to squander our lives in pursuit of nothing. We want to find purpose and meaning. We want to pursue something noble. But what does that mean? And how should that pursuit impact the way we live our lives? In terms of revival, we might ask how we can tap into something deeper, more vibrant in our Christian faith. The answers to these questions are found in Luke 10, which highlights three roles that every follower of Jesus Christ should fill. In today’s devotion, we’ll look at the first role: ambassador. Believers must be ambassadors for Christ. We must represent Him and His message to the world. We must live in a way that reflects Him so that when people look at us, they see Him. In Luke 10, we find Jesus at a crucial point in His life and ministry. His time in Galilee had come to an end, and He was beginning the slow journey to Jerusalem that would culminate in His crucifixion. To prepare the way, He selected 72 disciples to go ahead of Him to the areas He would be visiting. This was a critical opportunity, and He wanted His disciples to make the most of it. If you’ve made the decision to follow Jesus, you have critical opportunities, too. Opportunities to share the Good News of Jesus. Opportunities to talk about your own journey to faith. Opportunities to introduce others to the life-changing wisdom of God’s Word. You have no way of knowing where and when you’ll find “open doors”— people who are especially receptive to your message because of the circumstances of their lives. But you need to understand that open doors may not stay that way for long. You must be prepared to seize every opportunity. That’s what it means to be an ambassador for Christ. Look at Luke 10:2 again. Jesus didn’t say He needed spectators or critics; He said He needed workers, people willing to step out of their comfort zones and risk rejection for something infinitely more important than comfort and acceptance. Your work as an ambassador won’t go unnoticed. Proverbs 11:25 says, “Those who refresh others will themselves be refreshed” (NLT). That’s how personal revival works. Reflection question: What would being an ambassador for Christ look like in your life? Discuss Today's Devo in Harvest Discipleship! — The audio production of the podcast "Daily Devotions from Greg Laurie" utilizes Generative AI technology. This allows us to deliver consistent, high-quality content while preserving Harvest's mission to "know God and make Him known."All devotional content is written and owned by Pastor Greg Laurie. Listen to the Greg Laurie Podcast Become a Harvest PartnerSupport the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.
#204Now that the school year is over hopefully you have a little less on your mind and have a little extra time. This is the perfect time to get into your summer headspace. What do I mean by that? You'll soon understand. Let's jump in.What do I mean by “Summer Headspace?”Time to reflect without other pressing priorities and issues.Clear head.Opportunity to revisit themes and episodes with a fresh lens. Maybe something has come up since you first listened?You catch something new.Finish an episode that you started.Listen to an episode for the first time.Group episodes by theme so that you can listen to them together.How will the episodes work?5 minute recap and revisit, pull the themes togetherlinks to episodes will be in the show notes6 Summer Headspace Episodes. New episode on August 25, 2025. The first SHS episode will be out next Monday, July 14th.Connect with Joshua and the World Language Classroom Community: wlclassrom.comX (aka Twitter): @wlclassroomThreads: @wlclassroomInstagram: @wlclassroomFacebook: /wlclassroomWLClassroom Facebook Group__________________________Interested in having Joshua work directly with your department, school or district? Look at options for collaborating in person or remotely.______________________________Sign up for Talking Points to get tips, tools and resources for your language teaching.______________________________Join Joshua as a guest on the podcast.______________________________Join Joshua for a Leveling Up Coaching Episode on the podcast. Send me a text and let me know your thoughts on this episode or the podcast.
This Week's Panel - Exe the Hero, WSTLNDRJoe Show Discussion - WSTLNDRJoe is back in the house! Elroy couldn't make it this week, but Exe was lucky enough to have the perfect replacement. And you're lucky enough to hear it! This week, Joe talks about a gamepass hidden gem while also discussing the repetitive job of West Coast law enforcement. Exe balances that out by discussing one of the biggest new titles to come to Xbox and tossing in a smattering of hidden cats. Most important, there's not a single mention of beat ‘em ups anywhere to be found this week. Thanks for the week off, Elroy! (Love that guy) Games Mentioned: Exe the Hero - Final Fantasy XVI WSTLNDRJoe - Neon White & LA Cops ----- AH101 Podcast Show Links - https://tinyurl.com/AH101Links Intro music provided by Exe the Hero. Check out his band Window of Opportunity on Facebook and YouTube
In this conversation, Tricia Friedman speaks with Tania Tasopoulou, a business psychologist and organizational development expert with more than 25 years of experience in Europe and the GCC. Tania has led executive roles at global organizations including Coca-Cola HBC and King Abdullah University of Science and Technology (KAUST), and began her career at Korn Ferry (formerly Hay Group S.A.), where she served as Expertise Leader for Talent Management and Leadership Development across Southeast Europe. Now the founder of OrgDesignWays, Tania is pioneering conversations about the future of work, the transformative power of Generative AI, and how leaders can evolve alongside technology—not behind it. Together, Tricia and Tania explore how AI reveals patterns in human behavior, why psychology and philosophy are more relevant than ever, and how families and educators can help shape mindsets that are adaptive, creative, and future-ready. Whether you're an HR professional, educator, or executive navigating emerging technologies, this episode will challenge you to rethink leadership, learning, and the real future of human-centered work. Meet our guest: Tania is a business psychologist and organizational development expert with over 25 years of experience in Europe and the the GCC region, holding diverse executive roles in both Organizational Development and Business Operations. Tania started her career as a consultant at Korn-Ferry (formerly Hay Group S.A.) where she was the Expertise Leader for Talent Management & Leadership Development for South East Europe, before moving to corporate roles in Coca-Cola HBC and King Abdullah University of Science and Technology (KAUST). Tania is deeply interested in the future of work and the transformative impact of technology, particularly Generative AI, on the work landscape. For this reason, Tania established OrgDesignWays, a pioneering company with the vision to lead the future of organizational development through People & AI. Tania holds two BAs in Psychology, an MSc in Organisational Assessment and an Executive MBA. Connect with our guest: https://www.linkedin.com/in/tania-tasopoulou/ https://orgdesignways.com/ https://www.taniatasopoulou.com/ Learn more about our show sponsors for our summer series: https://pod.shiftingschools.com/ ⏱️ Chapters & Timestamps 00:01 – Origins of a Futurist Mindset Tania shares what sparked her lifelong interest in organizational strategy and the future of work. 03:22 – Generative AI & Redefining Job Value What large language models reveal about how we value human contribution in the workplace. 05:23 – Why Humanities are More Important Than Ever A compelling case for blending psychology, philosophy, and technology in future-focused education. 07:31 – Chatbots, Comfort, and Asking Big Questions A study reveals students prefer asking questions to AI—what does that mean for learning? 09:22 – Fear vs. Opportunity in the Future of Work Why we need to shift our mindset to prepare for jobs that don't exist yet. 12:32 – Raising Curious, Adaptive Humans Tania offers parenting insights on how to build confidence, resilience, and readiness for change. 17:32 – How Psychology Explains Generative AI From hallucinations to biases: Tania explains how psychology helps decode AI behavior. 21:44 – Interdisciplinary Leadership in the Age of AI Why leadership today means managing both people and intelligent systems.
In some markets, you can buy suburban office property for as low as $10/ft where it costs $200/ft to build. What's more, you don't have to find off-market deals, they're listed publicly on LoopNet, Crexi, and other prominent sites. As workers have moved to the suburbs and left downtown offices, they've chosen to work closer to home. Suburban buildings with one to three person offices in particular are seeing strong tenant demand. As a result, many suburban office buildings are at 90% occupancy. Ash Patel, a successful discount Value-Add investor, invests in office buildings, flex Industrial, strip retail, and ground up construction. Ash doubles his money on most deals in three to five years.
Episode overview: Bernard Laurendeau has a mission: to stop African business leaders from asking for "patient capital." The Ethiopian-French management consultant, now operating from Tokyo, believes this standard pitch fundamentally misunderstands how global investment works and fails African markets. It's a contrarian stance from someone who's spent 15 years advising Fortune 50 clients and building institutions across three continents. After co-founding Arifpay, Ethiopia's first licensed Payment System Operator, and serving as senior advisor to Ethiopia's jobs creation commission, Laurendeau has repositioned himself in Japan's corporate heartland with Laurendeau & Associates and Enkopa Lab. From his Tokyo base, Laurendeau delivers what he calls "execution horsepower" to both African governments and Japanese corporations seeking African market entry. His client portfolio spans Google and Cisco to UAE's Ministry of Finance, applying strategic frameworks honed at BNP Paribas to emerging market challenges. Key insights: - On financial sovereignty: Despite supporting fintech innovation, Laurendeau advocates fiercely for African countries maintaining control over their financial services infrastructure. - On Japanese business culture: Japanese organisations bring uncompromising quality standards to everything—"there's no such thing as downgrading." Whilst this limits their market share compared to Chinese competitors offering multiple price points, it creates superior knowledge transfer opportunities for African partners. - On data-driven decisions: Investors don't want to "think long-term"—they want confidence in their decisions. Laurendeau's experience with big data analytics in Silicon Valley informs his approach to providing real-time, actionable intelligence rather than outdated World Bank reports. - On innovation vs infrastructure: African entrepreneurs risk becoming "lazy" by chasing trendy technologies whilst neglecting "boring" fundamentals - On institutional building: African countries need people willing to do "Gov-preneurship": embedding with governments to build policies, institutions, and strategic frameworks. Most leaders are "lonely" and welcome diaspora expertise, contrary to corruption narratives. - On execution over ideology: Management consulting in emerging markets requires output orientation, not retainer relationships. Clients want expert advice immediately, not consultant armies producing fancy acronyms and quadrant analyses. Notable moments: 1. Why Laurendeau switched from mechanical and aerospace engineering (ENSTA France, Georgia Tech) to management consulting after realising security clearance barriers would limit his US career prospects 2. His observation that at Africa-focused investment conferences in Japan, "people were talking about Africa...with no Africans in the room" 3. Reflections on Arifpay achieving profitability and dividend distribution, proving African fintech could build sustainable, high-performing teams rapidly 4. His frank assessment that young Africans show more "thirst" for knowledge and change than their counterparts in developed economies, despite having fewer resources The contrarian take: Laurendeau's most provocative insight challenges the "patient capital" narrative that dominates African investment discourse. Rather than asking investors to adopt longer time horizons, he argues African markets should provide the confidence and data quality that enables rapid decision-making. Image credit: Enkopa Lab
The workplace has never been more generationally diverse. From Baby Boomers to Gen Z, four generations are now working side by side (and virtually). But what does that really mean for your team or business? Generational researcher, consultant, speaker, and podcast host Meghan Grace says it comes down to “toggle leadership” - the ability to flex your leadership style, communication, and motivation strategies based on who you're working with. A big part of Meghan's professional journey has centered around researching generations and founding the Institute for Generational Research and Education (IGRE) - a hub for training, insight, and thought leadership on generational dynamics. Meghan joined me on the Podcast: A Better HR Business, to talk about: Navigating the complexities of a four-generation workforce. Debunking generational myths that affect team dynamics. The value of customized generational training for organizations. Evolving work motivations and generational drivers. Tailoring communication for diverse generational preferences. Practicing “toggle leadership” to lead multigenerational teams. Maintaining authenticity in business and marketing. Embracing portfolio careers for flexibility and growth. And much more. In our conversation, Meghan shared practical tips for HR consultants, managers, and leaders on working with multigenerational teams, connecting with different age groups through authentic marketing, and using generational insights to improve business results. Website: www.institute4gens.org and www.meghanmgrace.com LinkedIn: www.linkedin.com/in/meghanmgrace For show notes and to see details of our previous guests, check out the podcast page here: www.GetMoreHRClients.com/Podcast HR BUSINESS GROWTH RESOURCES Get the new book - Grow A Successful HR Business Your Way Consulting Services For HR Software And Consulting Firms: Consulting Services. VISIT GET MORE HR CLIENTS Want more clients for your HR-related consultancy or HR Tech business? Visit the Get More HR Clients website for articles, newsletters, podcasts, videos, resources, and more.