Podcasts about Planning

In this episode of the Second in Command Podcast, co-host Sivana Brewer sits down with Richard Scheele, CFA, CFP, Managing Partner at Next Level Planning Group and longtime COO Alliance member.Richard takes us inside more than a decade of leadership evolution, from starting as an intern to stepping into the Managing Partner seat of a fast-growing financial planning firm. He shares candid stories about redefining his role, building systems around EOS, and learning to lead beyond his comfort zone. The conversation explores what happens when you outgrow your title, how teams mature into strategic thinkers, and why clarity—real clarity—changes everything.You'll hear how Richard and his team rebuilt their communication rhythms, created a shared playbook for decision-making, and shifted their mindset around accountability and alignment. It's an honest, practical look at what it really takes to scale without losing culture, trust, or your own sense of direction.Whether you're a second in command stepping into bigger shoes or a CEO looking to strengthen your leadership infrastructure, this episode will spark ideas you can use immediately.Timestamped Highlights00:00 The leadership lesson Richard wishes he'd learned earlier.02:10 Richard's growth from intern to Managing Partner.04:12 Why changing his title was critical for true alignment.06:25 How EOS reshaped communication and accountability.08:40 The value of an outside implementer for early EOS adopters.11:03 Richard's background in teaching economics and how it shaped his leadership style.13:18 Creating a decision-making playbook for future clarity.15:45 Balancing vision, strategy, and the daily operational grind.18:20 How curiosity and vulnerability strengthen team culture.21:03 Turning strategy into a team-driven discipline.23:30 The evolution of Next Level Planning Group's internal structure.27:05 Richard's biggest lessons from leading a rapidly growing organization.Resources MentionedEntrepreneurial Operating System (EOS)About the GuestRichard Scheele, CFA, CFP, is the Managing Partner at Next Level Planning Group, where he leads daily operations, strategic initiatives, and organizational coordination. Starting his career as an assistant portfolio analyst, Richard moved through roles in service, analysis, and financial planning before stepping into leadership. His background in teaching economics and his analytical approach to decision-making shape the way he develops talent, drives alignment, and supports long-term firm growth.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Isaiah Tatum. A 24-year-old entrepreneur, touring artist, and hotel owner:

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Isaiah Tatum. A 24-year-old entrepreneur, touring artist, and hotel owner:

As we look ahead to the 250th anniversary—the semiquincentennial—of the Declaration of Independence in 2026, communities and commissions across the United States are asking big questions: How should we commemorate this historic milestone?
What's the right balance between celebration and education? And how can this moment bring people together across political divides, generational gaps, and complex histories? To explore these questions, I've invited my friend, colleague, and Clio Digital Media co-founder Karin Wulf to guest host a special conversation with two people who are leading the way: Gregg Amore, Chair of the Rhode Island 250 Commission, and Carly Fiorina, Chair of the Virginia 250 Commission. Together, they reveal how their states are planning commemorative programs that center civic engagement, local storytelling, and inclusive history—and how the 250th can be more than a moment. It can be a spark. Karin's Website | Book |Show Notes: https://www.benfranklinsworld.com/427 EPISODE OUTLINE00:00:00  Introduction00:01:10  Welcome & Episode Overview00:04:45  Guest Introductions00:07:32 Virginia & Rhode Island's Commemorative Plans00:11:21 State Efforts and Collaborations00:16:32 Engaging Young People00:20:11 Educational Initiatives00:22:13 Ken Burns's The American Revolution00:24:30 Navigating the Political Climate00:32:05 Reflections on the Bicentennial00:35:00 Challenges to Achieving Commemorative Goals00:42:51 Conclusion and Future Opportunities00:46:53 Final ThoughtsRECOMMENDED NEXT EPISODES

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Isaiah Tatum. A 24-year-old entrepreneur, touring artist, and hotel owner:

Read more  State lawmakers eye flexible bills for AI usage in health care settings  Henrico selects Cari Tretina as new economic development director  Virginia could be a key state in countering Trump's redistricting push (VPM News on NPR!)    Other links Most Richmonders got accurate tax rebate checks, but review finds $115K in possible overpayments (The Richmonder) UVa secures $5.3M DoD grant to study brain injuries in military personnel (The Daily Progress)* Advocates want answers from Tricare after a rough year for military clients (WHRO News) New maternal health website built to help residents find resources (Cardinal News)  *This outlet utilizes a paywall.  Our award-winning work is made possible with your donations. Visit vpm.org/donate to support local journalism. 

In Perth zijn huurwoningen relatief minder betaalbaar dan in Sydney en Brisbane. Ook in regionale gebieden gaat de betaalbaarheid van huurwoning achteruit. We bellen met co-autheur van de jaarlijkse Rental Affordability Index Ellen Witte van SGS Economics & Planning en huurder Vivian Harinck uit Trinity Beach (QLD).

In this episode of Vast Voice, R. Kenner French and Liliana Falconer dive into the essentials of tax planning for entrepreneurs. Lily comes in unaware of the topic, adding spontaneity to the discussion, while Kenner emphasizes that this quick episode is designed to deliver powerful insights in under three minutes. Their goal: help business owners understand why tax planning should never be an afterthought.They begin by highlighting a common truth—most people don't prioritize taxes until the last moment. Lily points out that many individuals scramble to gather receipts, while Kenner explains that this reactive approach almost always leads to higher tax liabilities. Waiting until April 15 leaves taxpayers with little flexibility to make useful changes. Simply put, last-minute filing often results in writing a larger check to the IRS.Kenner stresses that true tax reduction happens throughout the year, not at the deadline. Planning as early as January 1 allows entrepreneurs to structure strategies, adjust cash flow, review employee numbers, and evaluate past liabilities to project forward. Quarterly meetings with a tax professional can significantly reduce tax burdens by catching opportunities proactively rather than retroactively.The conversation also contrasts two types of tax professionals: those who “drive using the rear-view mirror” and those who look ahead. Lily summarizes the lesson perfectly with an analogy, entrepreneurs should “rip off their rear-view mirrors” and focus on the road ahead. Proactive tax planning removes obstacles before they become problems and ensures a smoother, more predictable financial journey.Kenner closes by reinforcing that entrepreneurs need advisors who plan forward. If a tax provider can't help you strategize before tax season, it may be time to find one who can. VastSolutionsGroup.com aims to add value by guiding entrepreneurs toward better decisions year-round. With that, Kenner and Lily wrap up another concise yet impactful episode on financial clarity and smarter tax planning.Takeaways• Most people fail to prioritize taxes until the last minute.• Tax planning works best when started on January 1, not April 15.• Proactive planning can significantly lower tax liability.• Quarterly meetings with a tax professional provide major advantages.• Tax professionals who only “look backward” limit your savings potential.• VastSolutionsGroup.com focuses on projecting forward, not reviewing the past.• Early planning allows adjustments in cash flow and employee numbers.• Entrepreneurs should remove obstacles early through strategic planning.• A good tax advisor should guide you all year—not just during filing season.• Forward-focused tax strategy leads to smoother finances and less stress.Sound Bites• Rip off your rear-view mirrors and look ahead.• We don't look backward; we project forward.• If your tax pro can't save you early, you've got issues.Listen & Subscribe for More:

This episode is a MILESTONE, listener! To celebrate the 300th episode of WHGS, we are joined by beloved co-host and dear friend Ali Kolbert to bring things full circle: this podcast started alongside Ashley's relationship with Jen, so it's only right that we have another life milestone alongside an episode milestone! We strategize how Ashley should propose to her girlfriend, and even manage to fit in discussions about relationship mementos, intimacy kink, shadow work, boob reductions, and the powerful will-they-won't-they of lesbian relationships. Enjoy, and thanks for all of your support through 300 EPISODES OF WHGS!!! FOLLOW ASHLEY GAVIN @ashgavs TikTok: https://www.tiktok.com/@ashgavscomedy Instagram: https://www.instagram.com/ashgavs/ YouTube: https://www.youtube.com/@ashgavs Twitter: https://twitter.com/ashgavs Tour Dates & Newsletter: https://www.ashleygavin.com/#dates FOLLOW ALI KOLBERT @alikolbert TikTok: https://www.tiktok.com/@alikolbert  Instagram: https://www.instagram.com/alikolbert/  Twitter: https://x.com/alikolbert  Tour Dates & Podcasts: https://www.alikolbert.com/shows  SUPPORT OUR PODCAST: Watch this UNCUT: https://www.patreon.com/WHGS Merch: https://shop.merchcentral.com/collections/ashley-gavin Watch on this YouTube: https://youtu.be/YiGHfBcsyaM PRODUCED BY SWETSHOP: Instagram: https://www.instagram.com/swetshop.tv/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are you happy with your business right now? I mean, truly happy? Are you making emotional decisions that are costing you real money and growth? If you wait until January to plan your year, you've already lost 20 percent of your earning potential, but it doesn't have to be this way. Today, I cut through the noise and deliver a no-fluff, 8-step framework designed to totally transform your 2026 revenue, because business, and life as a whole, shouldn't be just about surviving.  So, let's make the tactical moves right now to create your most successful, efficient, and thriving year yet. If you've never done annual planning before this episode is a great place to start, and make sure to download the free PDF support tool at  www.thrivingstylist.com/eightsteps to follow along and help guide you towards your brand-new year! If you need a tool to keep your numbers (and business!) organized, you'll want to check out our Wealthiest Year Yet Planner. Get yours now at www.thrivingstylist.com/wealthiestyearyet/. The beauty industry is changing faster than ever. What worked in 2022 or even 2024 won't cut it in 2026, so are you ready? Grab our FREE 2026 TREND REPORT, The 2026 Must-Know Business Realities, Strategies & Trends for Stylists and Salon Owners now at https://thrivingstylist.com/mustknow/. Thriving Leadership Method hands salon owners a step-by-step strategy to implement an irresistible culture and create a powerful growth path…all while setting themselves up for structure and profit, and you can join the waitlist NOW at www.thrivingstylist.com/thrivingleadershipmethod/!  With Grow My Clientele Calculator, you'll get instant clarity on how many new clients you'll need to hit your 2025 financial goals! Enter just four numbers, and this tool will show you exactly how many new guests you need monthly and yearly to reach your target income. No guesswork or complicated math required, and you can get it now at www.thrivingstylist.com/growmyclientele/.   Do you have a question for me that you'd like answered in a future episode like this one? A great way to do that is to head over to Apple Podcasts and leave a rating and review with your question. I'm looking forward to answering your question on a future episode on the podcast!  If you're not already following us, @thethrivingstylist, what are you waiting for? This is where I share pro tips every single week, along with winning strategies, testimonials, and amazing breakthroughs from my audience. You're not going to want to miss out on this. Learn more at: https://thrivingstylist.com/podcast/ 

In this episode, Howard Klieger, Founder and Managing Partner of Walled Lake Planning and Wealth Management, discusses his path from broker to planner, the psychology behind investing, and the importance of clear family communication and thoughtful portfolio design.

In today's episode, Sarah goes through the physical tools she used in 2025 and shares her 2026 Planner Stack!This episode has a video component if you'd like to see the planners -- visit https://youtu.be/Bf5G8_pSr2s to get a visual! Products mentioned:- Hobonichi Cousin Avec- Hobonichi Weeks- Hobonichi Day Free- Ashley Shelley x Amanda's Favorites collab- Erin Condren 18 month Monthly Planner (Japanese-Style softcover)- Moleskine Cherry Blossom series- Hobonichi 5-year Journal- Sarah's own Planning by Season + BLP Live Planners Episode Sponsors: Organize 365: Visit ⁠⁠organize365.com/sunday-basket⁠⁠ to check out the Sunday Basket® today Green Chef: Make this season your healthiest yet with Green Chef. Visit greenchef.com/50bestlaid and use code 50BESTLAID to get fifty percent off your first month, then twenty percent off for two months with free shipping.  Mint Mobile: Ready to save on your wireless? Make the switch at mint mobile.com/BLP. PrepDish: Meal plans ready to go, in your inbox each week. You can try 2 weeks free at prepdish.com/plans! Learn more about your ad choices. Visit megaphone.fm/adchoices

459 -  Planning a Disney vacation or looking for ways to bring Disney magic into your home this holiday season? In this episode of Disney Travel Secrets, hosts and travel agents Rob & Kerri Stuart share the best Disney holiday shows and movies to stream in December, plus insider tips for visiting Walt Disney World during the holidays. JOIN US on Adventures by Disney with Hugh Darley Let us help you Plan Your Next Disney Destination Vacation What You'll Learn: Disney Holiday Streaming Guide: Discover must-watch Disney+ content including Mickey's Very Many Christmases, Guardians of the Galaxy Holiday Special, Star Wars: Skeleton Crew, and more festive favorites December Disney World Tips: Find out why you should pack your swimsuit, which holiday events still have tickets available, and hidden gems like One Man's Dream theater Holiday Park Planning: Get the scoop on Mickey's Very Merry Christmas Party, Jollywood Nights, and the Christmas Day Parade Gift of Travel: Learn why giving Disney vacation experiences makes the perfect holiday gift Bonus Content: Hear amazing behind-the-scenes Disney history from special guest Hugh, who brought the first CD player from Sony to Disney in the early 1980s! Plus, details about the September 2026 Adventures by Disney trip with Hugh sharing exclusive stories about how Disney helped build America. Whether you're planning your 2026 Disney vacation, looking for holiday entertainment ideas, or want to add Disney magic to your season, this episode delivers practical tips and festive inspiration. Perfect for: Disney vacation planning, Disney World tips, Disneyland visitors, Disney+ subscribers, holiday travel ideas, Disney cruise line guests, Adventures by Disney travelers

Reach Out Via Text!In this Marriage Monday episode Jeremiah and Savannah record from the road as they head to the Auburn Alabama rivalry game and open up about what has been one of their most refreshing weeks as a family. They talk about how rare it is to spend so many uninterrupted days together and how it has reminded them that they are building the people they want to spend time with in the future. The conversation becomes deeply practical as they discuss parenting two young kids the importance of one on one time with each child and the emotional load of postpartum seasons. They also share their plan for a focused date night to map out their twenty twenty six goals including conversations about personal health marriage growth family rhythms and travel expectations. This episode gives couples a real look at how intentional planning creates unity removes resentment and helps families grow toward a shared vision.Support the show 10% off LMN Software- https://lmncompany.partnerlinks.io/growinggreenpodcast Signup for our Newsletter- https://mailchi.mp/942ae158aff5/newsletter-signup Book A Consult Call-https://stan.store/GrowingGreenPodcast Lawntrepreneur Academy-https://www.lawntrepreneuracademy.com/ The Landscaping Bookkeeper-https://thelandscapingbookkeeper.com/ Instagram- https://www.instagram.com/growinggreenlandscapes/ Email-ggreenlandscapes@gmail.com Growing Green Website- https://www.growinggreenlandscapes.com/

Year-end is one of the most strategic times for Federal Employees to review their financial picture, retirement timeline, and tax exposure. In this episode, Micah Shilanski, CFP®, and John Raleigh, CFP®, walk you through the essential steps you should take before December 31st to stay on track and avoid costly mistakes in the new year. As Micah says, "Small decisions at year-end can produce big results over the next 10 years." This episode is your clear, simple, actionable guide to finishing the year strong and entering 2026 with clarity and confidence. https://zurl.co/NlW9y

In this special episode of MakingChips, we broadcast from the EBITDA Growth Systems Double Your Value Planning Event—a gathering designed to pull shop owners out of the day-to-day grind and force intentional thinking about long-term growth. This year's event was hosted at the Sandvik Coromant facility in Mebane, North Carolina, creating a perfect backdrop for conversations about planning, strategy, and culture. Paul is joined by three key voices who bring decades of hard-earned manufacturing wisdom: Jim Carr, a founding voice of MakingChips; Zach Overton, who is deep in the trenches of leading a multi-generation shop through transition and growth; and David Capkovitz, co-founder of EBITDA Growth Systems, whose strategic coaching framework is the backbone of this entire event. They pull back the curtain on why the event exists, how planning actually becomes actionable, and how shops can double their value in three years. Together, they dive into the realities every manufacturer faces—financial blind spots, operational challenges, cultural shifts, succession dilemmas, and the emotional weight of leadership. David's perspective as a coach blends seamlessly with Jim and Zach's lived experiences, creating a conversation that's equal parts strategic and deeply human. This episode highlights why stepping away from the shop floor is often the missing link for achieving the next level of growth. Whether you're planning for 2026, building resilience for a generational handoff, or simply trying to stop fighting fires, the insights shared here offer a clear direction forward. And yes—there's also a Cheerwine Old Fashioned or two. If you're ready to plan your next chapter with more clarity and confidence, this episode gives you the mindset and the roadmap to get started. Segments (0:00) Setting the scene: EGS happy hour, heaters, and Cheerwine Old Fashioneds (1:11) Paul and Jim revisit the origins of MakingChips and Jim's full-circle moment (2:35) What the Double Your Value Planning Event is & how it's grown under EGS (3:32) Introducing Zach Overton and his connections with Paul & Jim (4:36) Jim's memories and insights from advanced machining processes (6:38) Grow your top and bottom line with CliftonLarsonAllen (CLA) (7:14) David explains why EGS created the event and its planning philosophy (10:23) The power of peer-to-peer conversations among manufacturers (11:54) Identifying obstacles to growth and building criticality assessments (13:15) Zach shares his takeaways from stepping out of day-to-day firefighting (15:26) Jim describes how EGS supports Carr Machine as a Fractional CFO (18:08) Lighter moments: drink taste-testing and event humor (19:53) Invest in your business by investing in ProShop ERP (21:27) Zach explains how David coaches Overton Industries operationally (24:15) How manufacturers can start planning intentionally for 2026 (28:08) Why shop owners need guidance, accountability, and encouragement (30:11) Culture as the foundation of growth: reflections on Mike Hirsh's talk (32:13) Jim's transformation story: shifting from a lifestyle business to scalable growth (36:21) Why you need to check out the SMW Autoblok catalog (37:31) Did older generations only want lifestyle businesses? (39:00) Zach on pushing back in automotive to protect margins (40:38) Navigating multi-owner family decisions and succession complexity (42:12) David reflects on the personal relationships EGS builds with clients Resources mentioned on this episode Connect with EBITA Growth Systems Connect with Jim Carr on LinkedIn Connect with David Capkovitz on LinkedIn Connect with Zach Overton on LinkedIn Connect with Mike Hirsh on LinkedIn Peter Doyle on Machine Shop MBA and Machine Shop Mastery MC070: Leadership, Action, and a British Accent – with Sean Holt Invest in your business by investing in ProShop ERP Why you need to check out the SMW Autoblok catalog Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

Ignite your fight, warriors—@intheMatrixxx and @shadygrooove storm into Season 7, Episode 227, "FBI Director Kash Patel, Trump Gaggle; Seditious 6 Brookings Institute Planning for Mutiny," torching the deep-state sabotage crippling Kash Patel's bold FBI purge of weaponized bureaucrats and dissecting Trump's razor-sharp gaggle takedowns that leave MSM gasbags sputtering. As globalist hacks at the Brookings Institution peddle their seditious playbook—whispering mutiny to military brass and scripting chaos to undermine Trump's ironclad sovereignty—they'll unpack the raw proofs of this establishment insurrection, arming you with the unvarnished intel to crush leftist fantasies of rebellion. Relentless truth-hunters exposing the rot, they rally every patriot to reclaim the Republic from these traitorous schemers. The truth is learned, never told—the constitution is your weapon. Tune in at noon-0-five Eastern LIVE to stand with Trump! Trump, Kash Patel, FBI Director, Trump gaggle, Brookings Institution, seditious mutiny, America First, MG Show, @intheMatrixxx, @shadygrooove, deep state, military mutiny, globalist plots mgshow_s7e227_fbi_kash_patel_trump_gaggle_seditious_brookings_mutiny Tune in weekdays at 12pm ET / 9am PST, hosted by @InTheMatrixxx and @Shadygrooove. Catch up on-demand on https://rumble.com/mgshow or via your favorite podcast platform. Where to Watch & Listen Live on https://rumble.com/mgshow https://mgshow.link/redstate X: https://x.com/inthematrixxx PODCASTS: Available on PodBean, Apple, Pandora, and Amazon Music. Search for "MG Show" to listen. Engage with Us Join the conversation on https://t.me/mgshowchannel and participate in live voice chats at https://t.me/MGShow. Social Follow us on X: @intheMatrixxx https://x.com/inthematrixxx @ShadyGrooove https://x.com/shadygrooove Follow us on YouTube: MG Show (intheMatrixxx) https://youtube.com/c/inthematrixxx ShadyGrooove https://www.youtube.com/c/TruthForFreedom Support the show: Fundraiser: https://givesendgo.com/helpmgshow Donate: https://mg.show/support Merch: https://merch.mg.show MyPillow Special: Use code MGSHOW at https://mypillow.com/mgshow for savings! Wanna send crypto? Bitcoin: bc1qtl2mftxzv8cxnzenmpav6t72a95yudtkq9dsuf Ethereum: 0xA11f0d2A68193cC57FAF9787F6Db1d3c98cf0b4D ADA: addr1q9z3urhje7jp2g85m3d4avfegrxapdhp726qpcf7czekeuayrlwx4lrzcfxzvupnlqqjjfl0rw08z0fmgzdk7z4zzgnqujqzsf XLM: GAWJ55N3QFYPFA2IC6HBEQ3OTGJGDG6OMY6RHP4ZIDFJLQPEUS5RAMO7 LTC: ltc1qapwe55ljayyav8hgg2f9dx2y0dxy73u0tya0pu All Links Find everything on https://linktr.ee/mgshow Intermission Music Lemurian Shores (with Lucentia) (~432 Hz) by Spheriá | https://soundcloud.com/spheriamusic Music promoted by https://www.chosic.com/free-music/all/ Creative Commons CC BY-SA 3.0 https://creativecommons.org/licenses/by-sa/3.0/

In this heartfelt conversation, Lydia T. Blanco reflects on the complexities of the holiday season, sharing personal stories and insights on finding joy, building community, and practicing gratitude. She emphasizes the importance of planning, cherishing memories, and creating new experiences, while also encouraging listeners to engage in self-care and give back to others. Ultimately, Lydia inspires her audience to be their own source of joy and to appreciate the gift of connection during the holidays.Key TakeawaysThe holidays can be a mix of joy and challenges.Building community is essential during the holiday season.Planning can help avoid feelings of loneliness.Practicing gratitude can shift your perspective.Cherish the moments you have with loved ones.Creating new memories is essential for personal growth.Giving back to others can bring joy to your heart.Self-care is crucial, especially during busy times.Taking yourself out on a date can be empowering.Being your own joy is a powerful message for the holidays.Chapters00:00 Introduction to Vulnerability and the Holidays01:06 Finding Joy During the Holidays06:05 Building Community and Planning Ahead10:47 Creating New Memories and Practicing Gratitude18:44 Cherishing Relationships and Giving Back23:15 Self-Care and Being Your Own JoyStay ConnectedLifeWillBePod - LydiaTBlanco

A few weeks ago our 14-year-old daughter ordered a $30 item online with her own hard-earned cash. She was proud of herself—until a notice popped up: the product was coming from overseas and a tariff of roughly $30 would be due at delivery. She looked at me, stunned. “Wait… I have to pay double to get it?” She paused, thought, and said, “I still want it.” https://www.youtube.com/live/gV_EvvpiXww That tiny moment shows a big reality: taxes aren't just something you deal with in April. They show up everywhere, often without warning, and every one of them is a leak in your wealth bucket. It's also a simple picture of why taxes and wealth creation are tied together in ways most families never see. The Real Link Between Taxes and Wealth CreationTaxes and wealth creation: Why taxes are the biggest wealth leakThe compounding cost of taxesTaxes and wealth creation: 95% of the tax code is about how not to pay taxes“Is this deductible?” vs “How do I make this deductible?”Taxes and wealth creation: Tax planning is not tax preparationTaxes and wealth creation: The SECURE Act and a silent inheritance taxThe 10-year inherited IRA ruleTaxes and wealth creation: Roth conversions as a legacy moveTaxes and wealth creation: Positioning money where compounding can keep workingReal estate incentivesCharitable givingWhole life insurance for tax-efficient legacyTaxes and wealth creation: Thinking past your lifetimeHere's the point: taxes and wealth creation rise and fall together.Book A Strategy CallFAQWhat is the connection between taxes and wealth creation?Why do taxes feel invisible to most families?What did the SECURE Act change for inherited retirement accounts?Are Roth conversions a good strategy for generational wealth?How does real estate help with tax-efficient wealth building?Why is tax planning different from tax preparation?How does whole life insurance fit into tax-efficient legacy planning? The Real Link Between Taxes and Wealth Creation This topic matters because taxes quietly take more from most families than any other expense. Not your mortgage. Not your lifestyle. Taxes. In this article we're going to pull taxes out of the “yearly chore” box and put them where they belong—in the center of your wealth plan. You'll see why taxes are such a drag on compounding, how the tax code rewards certain behaviors, what the SECURE Act changed for retirement accounts and heirs, and why Roth conversions and other strategies can protect wealth for your lifetime and beyond. The goal is simple: help you keep more dollars in your control so they can grow and bless your family for generations. Taxes and wealth creation: Why taxes are the biggest wealth leak Most people think about taxes as a single event: file your return, see if you owe or get a refund, and move on. But Bruce made a point that changes everything: we pay taxes on almost every transaction. Federal and state income taxes are just the obvious ones. Add sales tax, gasoline taxes, property taxes, and the taxes baked into your phone and internet bill—and the true cost is enormous. Even when you don't see it, you pay it. And the dollars you lose to taxes don't just disappear today. You lose what those dollars could have become after decades of compounding. Once money leaves your control, the future of that money is gone forever. The compounding cost of taxes I love pictures, so here's one we used. Imagine your money as water in a five-gallon bucket. If there are leaks in the bottom, you don't arrive anywhere with a full bucket. Taxes are one of the biggest leaks. You can earn more and work harder, but if you don't seal the leaks, your progress is always slower than it should be. Think about the penny-doubling example. A penny doubled daily for 30 days becomes millions, but for the first week it still feels tiny. That's why people underestimate compounding. Taxes interrupt that curve. They pull dollars out before they ever reach the steep part of growth. Wealth isn't only about what you earn. It's about what you keep and control long enough for compounding to do its job. That's why taxes and wealth creation are inseparable. Taxes and wealth creation: 95% of the tax code is about how not to pay taxes Bruce shared something that shaped his whole view. A former IRS auditor once told him: only about 5% of the tax code explains how you pay taxes. The other 95% explains how you don't have to pay taxes. That surprised me at first, but it's true. Congress uses the tax code to steer behavior. If they want more housing, they reward people who provide housing. If they want investment in certain industries, they create incentives there. The incentives exist on purpose. If lawmakers didn't want people to use them, they wouldn't be written into law. “Is this deductible?” vs “How do I make this deductible?” Tax strategist Tom Wheelwright says the wrong question is, “Is this deductible?” The right question is, “How do I make this deductible?” Example: if you travel to evaluate real estate deals and your primary purpose is legitimate business, documented properly, the tax code may allow deductions. The key isn't being clever. The key is following the rules clearly. We never recommend gray areas. Good tax strategies are black-and-white and well documented. Taxes and wealth creation: Tax planning is not tax preparation The tax code is thousands of pages long and changes constantly. Many CPAs are overloaded with compliance work—paperwork, deadlines, filing logistics. So a lot of families get tax preparation, not tax planning. Preparation reports what happened and tells you what you owe. Planning helps you shape what you owe before the year ends. If you want to build wealth, you can't treat planning like an afterthought. You may need a professional whose mindset is: “My job is to help your family pay the least amount of tax legally possible.” Not because taxes are bad, but because every dollar saved is a dollar that can compound, be invested, or be given with purpose. Taxes and wealth creation: The SECURE Act and a silent inheritance tax If you have tax-deferred retirement accounts—401(k)s, IRAs, 403(b)s, SEP IRAs, deferred annuities—you need to understand what changed. Older rules required minimum distributions (RMDs) at age 70½. The SECURE Act pushed that age to 75. That sounds like a gift, but it has a catch: more years of growth means a larger account, which often leads to larger taxable withdrawals later. But the bigger change hits your heirs. The 10-year inherited IRA rule If a tax-deferred account passes to a spouse, they can keep deferring. If it passes to your kids or grandkids, most beneficiaries must empty the account within 10 years. Picture a 45-year-old inheriting a $1 million IRA. Under old stretch rules, they could take small withdrawals over a lifetime. Now many will take around 10% per year—about $100,000 annually—stacked on top of their working income, often in their highest-earning years. That pushes those inherited dollars into their top tax bracket. So the SECURE Act didn't remove taxes. It concentrated them. If you do nothing, your children may pay far more tax on your retirement savings than you ever expected. Taxes and wealth creation: Roth conversions as a legacy move This is where Roth conversions come in. We're not giving advice here—your personal facts matter—but the principle is powerful. A Roth conversion means paying tax on some tax-deferred dollars now so they move into a Roth account. Later withdrawals are tax-free. When the Roth passes to heirs, they still follow the 10-year rule, but distributions are generally income-tax-free. When we run numbers with families, we often find that paying some tax earlier can reduce the total tax bite over two lifetimes—yours and your kids'. For families who care about legacy, that's a big deal. Taxes and wealth creation: Positioning money where compounding can keep working Bruce listed several straightforward ways families can keep more dollars compounding without needing complex structures. Real estate incentives Real estate is a clear example of Congress rewarding behavior. The U.S. needs more housing, so the tax code offers depreciation and, in some cases, bonus depreciation for certain investments. Those deductions can offset taxable income and free up cash flow for more investment. The rules are specific, so strategy and documentation matter. Charitable giving If generosity is already part of your family culture, don't ignore how charitable strategies can lower taxes while letting you support what matters most. Whole life insurance for tax-efficient legacy This is a place where our work often connects the dots. Properly designed whole life insurance has a unique tax profile: cash value grows tax-deferred, you can access it through policy loans without triggering income tax, and the death benefit passes to heirs income-tax-free. We like to say that every tax dollar you save is another dollar you can reposition into assets that serve generations. Whole life often becomes a family gold reserve—liquid in your lifetime, leveraged at death, and protected from future tax surprises. Taxes and wealth creation: Thinking past your lifetime During the episode I shared a golf analogy. Your wealth plan is like a golf swing. Most people only focus on the backswing—everything that happens until you hit the ball. In life, that's “my lifetime.” But legacy is the follow-through. Where does the ball go after contact? What trajectory does your wealth take after you're gone? When you plan only for your life, you miss the biggest multiplier in tax planning: time across generations. When you plan with follow-through, you make different choices today—like paying some taxes sooner—because you see how that can protect your children from a heavier burden later.

In this episode, Steve Fretzin and Adam Williams discuss:Planning taxes proactivelyExploring creative tax strategiesBuilding a professional teamImplementing actionable year-end steps Key Takeaways:Most law firms wait until filing to address taxes, missing savings opportunities. Working with a tax strategist year-round aligns decisions with long-term goals. Proactive planning uncovers ways to reduce liabilities and strengthen financial outcomes.Techniques like the Augusta rule, hiring family members, and royalty setups save money. Advanced structures such as captive insurance can provide additional tax benefits. Knowing these options allows law firms to tailor strategies to their unique situation.Successful tax and business strategies require bookkeepers, advisors, and strategists. Delegating responsibilities reduces personal burden while improving firm performance. A strong team empowers owners to focus on growth and long-term success.Year-end is ideal for accelerating deductions and making tax-advantaged purchases. Prepaying vendors or investing in marketing can reduce taxable income efficiently. Evaluating current practices ensures every opportunity for savings is captured. "If they don't bring you ideas throughout the year, you don't have a tax strategist. You have a tax preparer." —  Adam Williams Check out my new show, Be That Lawyer Coaches Corner, and get the strategies I use with my clients to win more business and love your career again. Ready to go from good to GOAT in your legal marketing game? Don't miss PIMCON—where the brightest minds in professional services gather to share what really works. Lock in your spot now: https://www.pimcon.org/ Thank you to our Sponsor!Rankings.io: https://rankings.io/HireParalegals: https://hireparalegals.com/ Ready to grow your law practice without selling or chasing? Book your free 30-minute strategy session now—let's make this your breakout year: https://fretzin.com/ About Adam Williams: Adam started this business out of frustration with accountants who congratulated him for having a large tax bill.As a serial entrepreneur, Adam is inspired by entrepreneurship and small business, direct response marketing, non-traditional and unexpected solutions, mindset & personal development, helping create businesses that serve the owners, and high-performance driving.Adam received his undergraduate degree in Business from Penn State Behrend and his MBA and J.D. from the University of Pittsburgh. A Cathedral Prep graduate and active member of the community, Adam has served on the Board of Directors for the Erie County Bar Association, Lakeshore Community Services, the Innovation Collaborative, and the Erie Art Museum. He was named to the 2013 Erie Reader 40 Under 40, and has also been listed as a Pennsylvania Super Lawyers Rising Star in 2016, 2017, 2018, and 2019.  Connect with Adam Williams: Website: https://www.pennywise.tax/ Connect with Steve Fretzin:LinkedIn: Steve FretzinTwitter: @stevefretzinInstagram: @fretzinsteveFacebook: Fretzin, Inc.Website: Fretzin.comEmail: Steve@Fretzin.comBook: Legal Business Development Isn't Rocket Science and more!YouTube: Steve FretzinCall Steve directly at 847-602-6911 Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Katie Thomas covers the frugal consumer in 2025's holiday season. Successful retailers are doing “straightforward” holiday discounts and having “a little bit of fun.” Her firm, the Kearney Consumer Institute, notes that around a third of consumers plan to partially or deeply pull back on spending this year. However, people are still planning to buy gifts, and she breaks down the most attractive categories.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Nick Cellini and Chris Dimino talk everything Atlanta Sports, the National Sports picture and the current (and WAY back when) in pop culture! Get the latest and your fill of Atlanta Braves, Georgia Bulldogs, Atlanta Falcons, Atlanta Hawks daily from two "Southern" Yankees daily Mon-Fri from 10a-2p! The 11 o'clock hour is brought to you by TRAJAN WEALTH; Planning for tomorrow starts today. Visit Trajan Wealth dot com to learn more about retirement and state planning RedZone - Falcons played - did you watch? HUGE rivalry weekend NFC South update See omnystudio.com/listener for privacy information.

Welcome to the Success With Jewelry podcast, hosted by marketing strategist Laryssa Wirstiuk and creative consultant Liz Kantner. Together, we're passionate about helping independent jewelry brands thrive through honest conversations about what it really takes to succeed. In Episode #152, we're looking ahead to 2026 and talking about how to plan for a year with more focus, intention, and balance. Whether you're dreaming up big business goals, craving more creative space, or simply looking for a more grounded approach to the year ahead, this episode walks you through how to reflect, reset, and build a plan that supports both your business and your life.

On this episode of Dollars & Sense with Joel Garris, get ready for a power-packed financial guide as Joel unpacks the must-do year-end financial checklist, reveals the surprising habits of the “millionaire next door,” and exposes the pitfalls of incomplete estate plans. Joel kicks off with a timely reminder: as the holiday season races by, you have just weeks to make smart financial moves before the new year. He walks you through seven crucial year-end tasks, including maximizing retirement contributions, using up your FSA, making charitable donations, and reviewing your health benefits—each step designed to help you avoid costly mistakes and make the most of your money. Next, the show dives into one of the biggest gaps in personal finance: estate planning. Joel shares stories from his practice, highlighting how most estate plans are never fully implemented—leaving families vulnerable. He explains why simply signing documents isn't enough, and outlines easy-to-follow steps (like titling assets correctly and regular reviews) so your legacy plan actually works for your loved ones. But that's not all! Joel also explores the “stealthy wealthy”—those quiet millionaires who build real, lasting wealth by shunning status symbols, driving practical cars, maximizing tax efficiency, budgeting diligently, and keeping their finances private. Want to know what they do differently? Joel breaks down the seven key habits that set them apart, with actionable tips you can use right now. Whether you're looking to finish the year strong, set up your family for success, or adopt the habits of the quietly wealthy, this episode delivers practical insights and real-life inspiration. Click to listen and learn how to avoid the traps, make smarter money moves, and secure your financial future! 

Planning your next adventure? Travel is changing fast. In this rich exploration of the current landscape, Barrett Gruber sits down with Juan Velasquez, host of the Travel People's Podcast and consultant for Cruise Planners, to break down the evolving state of travel in 2025.Juan shares essential, timely insights on why a human expert is still vital in the age of AI, the non-negotiable role of travel insurance, and how global politics and cultural perspectives are reshaping our journeys.Key Takeaways You Can't Miss:Human vs. AI in Planning: Why the expertise and client relationships of a travel advisor are irreplaceable, even as AI tools become more common.The Insurance Imperative: Understanding why travel insurance is more critical than ever for protecting against unforeseen global and personal circumstances.Ambassador Abroad: The importance of being a mindful cultural ambassador for your country and how perceptions impact travel experiences.Shifting Trends: A look at the new travel trends, from focusing on unique experiences and local businesses to understanding the full cost of a trip.This conversation is a must-listen for anyone planning a trip, working in the travel industry, or simply curious about the journey ahead!The Travel People, LLC | Cruise Planners | FacebookJuan Velazquez | FacebookThe Travel Peoples Podcast | FacebookThe Travel Peoples Podcast | YouTubeThe Travel Peoples Podcast | InstagramZac King | LinktreeBarrett Gruber | LinktreeThe All About Nothing: Podcast | LinktreeClick here for Episode Show Notes!As always, "The All About Nothing: Podcast" is owned and distributed by BIG Media LLC!Check out our network of fantastic podcasts!Click Here to see available advertising packages!Click Here for information on the "Fair Use Copyright Notice" for this podcast.Mentioned in this episode:BIG Media LLC Copyright 2025This Podcast is a product of BIG Media LLC and Copyright 2025 Visit https://bigmediallc.com for more from BIG Media LLC!BIG Media LLCZJZ Designs Holiday 2024 Prints Available NowZJZ Designs Holiday 2024 Prints Available Now. Featuring Eddie The Elf! Check Out ZJZDesigns.com!ZJZ Designs

In this episode, Howard Klieger, Founder and Managing Partner of Walled Lake Planning and Wealth Management, discusses his path from broker to planner, the psychology behind investing, and the importance of clear family communication and thoughtful portfolio design.

In this week's episode of Better Business, Better Life, Debra Chantry-Taylor welcomes back Scott Rusnak, EOS Implementer, author and cyclist, for an inspiring conversation on designing a life that truly aligns with your values. Drawing from his new book, Who is the Architect of Your Own Life, Scott shares practical exercises to help you achieve clarity, purpose and balance. He uses his signature analogy of juggling life's “balls” such as business, family, health and faith to illustrate how to prioritise what matters most without dropping the ones that cannot bounce back. Together, Debra and Scott explore how EOS tools and strong core values can guide your business decisions and also support your personal growth. They discuss the importance of planning intentional time with loved ones, maintaining daily health habits and surrounding yourself with supportive people. With plenty of warmth and wisdom, this episode is a reminder that true success is not just about business wins. It is about living deliberately, loving fully and designing your life on purpose. CONNECT WITH DEBRA:         ___________________________________________ ►Debra Chantry-Taylor is a Certified EOS Implementer | Entrepreneurial Leadership & Business Coach | Business Owner ►Connect with Debra: ⁠debra@businessaction.com.au ⁠ ►See how she can help you: https://businessaction.co.nz/ ►Claim Your Free E-Book: https://www.businessaction.co.nz/free-e-book/ ___________________________________________ GUESTS DETAILS: ►Scott Rusnak – LinkedIn ►Scott Rusnak – Website Episode 248 Chapters:   00:00 – Introduction 00:38 – EOS Life and Importance of People 05:45 – Scott Rusnak's Journey and Insights 07:05 – Balancing Business and Personal Life 11:04 – EOS Implementation and Core Values 18:02 – Core Values and Business Success 29:04 – Planning and Clarity Breaks 32:15 – Scott's Book and Personal Stories 39:28 – Final Thoughts and Future Plans

An energy consulting firm says several changes to state law may be needed to boost the outlook of the Alaska gasline project. The State of Alaska wants to know what you think about designating a state forest on the Kenai Peninsula. The Seward City Council is looking for a resident to fill a seat on the Planning and Zoning Commission.

Money and Me dives into the latest AIA Live Better Study to uncover why singles — especially single women — face a uniquely challenging retirement landscape. Discover why optimism is lower for singles, even as aspirations for purpose-filled later years rise. We break down the biggest worries: rising living costs, lack of caregiving support, and the risk of social isolation. Unpack practical strategies for financial security, emotional well-being, and building strong support networks. How can shingles start to design a connected, empowered future by acting today? — hosted by Michelle Martin with guest Lam Hui Min, Head of Customer Propositions & Insights Strategy, AIA SingaporeSee omnystudio.com/listener for privacy information.

What if “follow your passion” is the reason your self-improvement and personal development efforts keep stalling out? In this episode, Kevin and Alan break down why passion without structure leads to poor decision-making, inconsistency, and short-lived progress. They explain the deeper principles that create long-term growth, the identity-level shifts most people skip, and the real system behind sustainable success.If you're serious about consistent habits, better decisions, and a life built on clarity rather than clichés, this conversation gives you the strategic perspective most people never access.Learn more about:Your first 30-minute “Business Breakthrough Session” call with Alan is FREE. This call is designed to help you identify bottlenecks and build a clear plan for your next level. - https://calendly.com/alanlazaros/30-minute-breakthrough-sessionNext Level Hope Foundation – GoFundMe donation linkhttps://gofund.me/5c6abcf7f_______________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, check out our website and socials using the links below.

Self-care podcast exploring Navigating The Holiday Dinner Table, All or Nothing and the Holidays & Planning to Set Yourself up for Success. TOPICS:: ** Navigating The Holiday Dinner Table (09:08). ** All or Nothing and the Holidays (22:56). ** Planning to Set Yourself up for Success (35:52).   NOTES:: Show notes: amberapproved.ca/podcast/624 Leave me a review at amberapproved.ca/review Email me at info@amberapproved.ca   Sign up for the Free Navigating the Holidays Guide here:  https://amber-romaniuk.mykajabi.com/holiday-food-freedom-guide    Subscribe to newsletter: https://amber-romaniuk.mykajabi.com/newsletter-sign-up    SHOW LINKS: Click below to schedule a 30 minute Complimentary Body Freedom Consultation https://amberapproved.ca/body-freedom-consultation/  Take my free Emotional Eating Quiz here: http://amberapproved.ca/emotional-eating-quiz Listen to Episode 291 about what it's like to work with me here: http://amberapproved.ca/podcast/291/ Follow me on Instagram www.instagram.com/amberromaniuk Youtube Channel: https://www.youtube.com/@amberromaniuk/    MY PARTNERS: WISHGARDEN HERBS This holiday season, give the gift of wellness with WishGarden Herbs — there's truly something for everyone. From thoughtful stocking stuffers to ready-to-go 3-packs and bundles that support Stress, Immunity, and Well-Being, their handcrafted herbal remedies make the perfect gift for you or someone you love. Some of my favorites are Deep Stress, Digestive Rescue, Kick-Ass Immune, and Liquid Bliss — a soothing blend that helps lift your mood, calm your system, and bring a little peace and tranquility. And when sleep isn't coming easy, Sleepy Nights with passionflower, skullcap, and hops is my go-to herbal ally to help me drift back into rest. Crafted for rapid absorption, WishGarden's remedies deliver powerful results in minutes — no fillers, gums, or sugars, just pure botanicals in their most effective form. Discover your essential health toolkit for the holidays at WishGardenHerbs.com/NoSugarcoating  and use code NOSUGARCOATING at checkout for 20% off your order.   ORGANIC TRADITIONS LAVENDER LATTE: If winding down at night feels harder than it should, you're definitely not alone. So many of us aren't sleeping as well as we should - stress, screens, and busy lives make it harder than ever to wind down. That's why I'm so excited about Lavender Latte from Organic Traditions - a soothing, functional sleep latte designed to help you unwind, relax, and ease into a deeper, more restorative sleep. I've been using Lavender Latte for the last few weeks and have noticed a big difference in the quality of my sleep. I feel relaxed sooner into the evening and am falling asleep more quickly. Each warm, creamy cup blends Ashwagandha for relaxation support, tart cherry for natural melatonin support, and 1 billion CFU of gut-healing probiotics - so it's not just calming, it's nourishing for your gut as well. And the taste is incredible. It has this soft, cozy flavour of lavender and tart cherry that feels like a warm hug at the end of a long day. It's low sugar, dairy free, certified organic, and it mixes instantly - just stir with hot water or warm milk and it turns into the most beautiful nighttime ritual. What I love most is how simple it makes sleep support. No complicated routines, no harsh sleep aids - just a delicious, functional latte that helps your body shift into rest mode naturally. So, if you've been feeling wired at night, restless, or just craving more grounded evenings, this might be the bedtime ritual you've been missing. Try Lavender Latte at organicttraditions.com - and use my code AMBER20 for 20% off your first order. Shop USA Shop Canada

On this 305th episode of Take Flight Weekly, I pull back the curtain on the 10 lessons that shaped me the most in 2025. I'm the President of Jameson Sotheby's International Realty, I coach elite-level producers across dozens of markets, and I continue to build my own business. That combination gives me a front-row seat to what separates the 3% from the 97%. These are the real patterns that separate the people who grow from the people who stay stuck. The 10 Patterns That Separate the 3% From the 97% → Lesson 1: Vision Is an Emotional Destination A true vision is a feeling. It's the emotional state you want to experience three years from now—clarity, control, energy, confidence, margin. → Lesson 2: An Extra 0.25% on Every $10M in Production Is $25,000 Elite producers understand the compounding effect of precision. Micro improvements stack, scale, and matter. → Lesson 3: Is Planning Actually Procrastination? Too many advisors hide behind "planning" because it feels productive. But planning without execution is avoidance. Planning becomes procrastination the moment it delays action. → Lesson 4: The 3% Are Willing to Fail to Learn and Grow Failing in public is the entry fee to elite performance. The 3% don't fear failure. They fear stagnation. Most optimize for safety. The elite optimize for growth. → Lesson 5: The Basics Will Always Work. Less Is More. Top performers master the basics at a higher level. When business gets noisy, the elite simplify. Excellence is built through subtraction, not addition. → Lesson 6: The Next Frontier Is Marketing Your Hyper-Local Market Advisors who master hyper-local expertise will own the next decade. The buying public chooses location first. AI is indexing geography at a micro level. Build a brand tied directly to location. → Lesson 7: Only 4% of People Receive Two or More Handwritten Notes Per Year Authenticity stands out. A handwritten note has the highest open rate in the world. Low cost. High impact. Underutilized. → Lesson 8: If You Don't Plant, You Will Not Harvest Input always precedes output. You cannot take a season off from marketing, database management, and relationship nurturing and expect predictable revenue. Keep planting during your busiest months. → Lesson 9: The Top 1% Are Obsessed with Reaching Their Goals Not committed. Obsessed. The top 1% live in complete alignment with their outcomes. Their habits, calendars, and relationships match their goals. Elite performance is engineered. → Lesson 10: Rightsize Is My Word for 2026 Rightsizing is about stripping away clutter. It's about aligning your business, commitments, team, and inputs with your emotional destination. It's not about shrinking. It's about recalibrating to grow in the right direction. Here's my promise heading into 2026: I'm going to keep doing the work, connecting the dots, and bringing you the truth about what separates elite producers from the 97%. You show up and do your part, and I'll show up and do mine. ━━━━━━━━━━━━━━━━━━━━━━

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Bill McKay is a Senior Lecturer in the School of Architecture and Planning at the University of Auckland.

Maximising Your Website Presence – Should Counselling Students Pay for a Placement? In Episode 357 of the Counselling Tutor Podcast, your hosts Rory Lees-Oakes and Ken Kelly take us through this week's three topics: Firstly, in 'Ethical, Sustainable Practice', we discuss what to do when your usual supervisor isn't available. In planning for alternative supervision cover, we explore how to ensure you stay ethical and supported during supervisor absences. Then in ‘Practice Matters', Rory speaks with Daragh Mac Loughlin from WebHealer about how to maximise your website presence and build a joined-up online identity across web and social platforms. And finally, in ‘Student Services', Rory and Ken address a hot topic - should counselling students pay for a placement? With insight from Paul Cullen, they look at fairness, value for money, and what to consider if faced with this scenario. Planning for Alternative Supervision Cover [starts at 03:33 mins] Having a backup plan for supervision is crucial - this segment explores how to stay compliant, safe, and client-focused when your supervisor is unexpectedly absent. As part of planning for alternative supervision cover, it's important to know where to turn if you suddenly need short-term or emergency support. You are ethically required to maintain regular supervision, even during supervisor absences. Consider forming a plan ahead of time for temporary, short-term, or emergency supervision cover. Replacement supervisors should match your client group, modality, and level of risk. Peer consultations can be useful for support, but do not replace formal supervision. Review your ethical body's rules - students especially must ensure their hours are counted. For counsellors looking for reliable supervision options — including temporary or emergency cover — you can explore a directory of qualified online supervisors at Counselling Tutor's Supervisor Directory Maximising Your Website Presence [starts at 31:42 mins] Daragh Mac Loughlin from WebHealer shares expert tips for creating a strong, connected online presence that builds trust and converts browsers into clients. First impressions count - use a clear, current photo and accessible language to build trust. Align your website and social platforms to create a consistent and professional digital identity. Keep your website fresh with long-form content, updates, and CPD reflections. Use short-form social media posts to lead traffic to your more in-depth website content. Monitor performance with tools like Microsoft Clarity to track user behaviour and optimise engagement. Treat your website as a living tool, not a one-time setup - invest time in nurturing it. Should Counselling Students Pay for a Placement? [starts at 57:41 mins] This contentious issue is explored with input from Paul Cullen - looking at whether charging for placements is fair, ethical, or ever appropriate. Some charities ask students to pay fees to cover clinical leads or provide additional training. Students should ask what's included - DBS checks, supervision, insurance, or CPD. Placements should offer proper triage to allocate clients within a student's competency. Be mindful that fees could exclude passionate students without financial means. Students are assets, bringing enthusiasm and current theory - placements also benefit from them. Always check the value of what's offered and weigh up if it supports your learning journey. Links and Resources Counselling Skills Academy Advanced Certificate in Counselling Supervision Basic Counselling Skills: A Student Guide Counsellor CPD Counselling Study Resource Counselling Theory in Practice: A Student Guide Counselling Tutor Training and CPD Facebook group Website Online and Telephone Counselling: A Practitioner's Guide Online and Telephone Counselling Course

This message, taught by Darryl at a men's conference, is centered around Proverbs 29:18, 'Where there is no vision, the people perish,' highlighting the crucial role of divine guidance. Darryl delves into the Hebrew concept of 'hazon,' meaning prophetic revelation, and illustrates this through the life of Joseph from Genesis. Joseph's life, marked by divine favor and high integrity, serves as an example of the significance of having a vision. The episode also discusses the practical aspects of planning and goal setting for personal and family growth, the importance of having divine vision, and how to maintain integrity in all facets of life. Tune in for an inspiring and insightful discussion aimed at empowering men through a biblical worldview.00:00 Introduction to Man to Man 36000:08 The Importance of Vision00:34 Joseph: A Man of Vision01:12 The Role of Vision in a Man's Life01:30 Introduction to the Show02:18 Planning for the Future02:58 Understanding Vision04:23 Biblical Insights on Vision13:45 The Man Cave Experience18:05 Biblical Worldview23:20 Joseph's Journey and Vision32:39 Excuses and Accountability33:24 Vision and Leadership37:12 Integrity in Leadership38:54 Facing Temptation42:23 The Importance of Vision44:42 Joseph's Journey and God's Plan52:10 Prophetic Vision and Guidance01:01:25 Conclusion and Final PrayerShow is Recorded, Edited and Produced by Darryl D Anderson of Ambassador Media GroupVoiceOvers by Christopher Bell and Allen Iverson (AI)Intro Theme Song Edited by Darryl Anderson (AMG) and Mixed by Damion Hill of E-Mix OnlineVISIT OUR WEBSITE for Man2Man 360PLEASE SUBSCRIBE YouTube Page: youtube.com/@man2man360Facebook Page:  Facebook.com/Man2Man360Podcasts drop every Saturday at 9am EST.Full Episode Youtube drops every Saturday 8PM ESTLicensed to use song:Tough Kid https://www.premiumbeat.com/royalty-free-tracks/tough-kidIt's Raining Againhttps://www.premiumbeat.com/royalty-free-tracks/it-s-raining-againComputer Worldhttps://www.premiumbeat.com/royalty-free-tracks/computer-worldSFX - https://musicradiocreative.com/Try our NEW Fan Mail experience and send us a Text Message from HERE!

Hans and Robby are back again this week with a brand new episode! This week, they discuss how federal income tax is applied to social security.  Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

In this week's episode, actress, writer, producer and professional on-screen villain Lindsay Diann pulls up for a raw, funny, and deeply honest conversation about being paper pregnant, navigating miscarriage, and stepping into baby joy after loss. She shares what it was really like inducing her missed miscarriage at home, how hormones had her feeling unhinged, and what partners should—and shouldn't—do when you're carrying that emotional load alone.We dive into the mental shift from “outside girl” to “intentional woman,” why friendships change when marriages and babies enter the chat, and how to be a better friend when someone in your circle goes through trauma. Lindsay also spills on playing the unhinged Leslie on “The Team”, the joy of being a villain, and what's next for her production company, LA Elite Productions, including her upcoming films “Girls Night,” “The Perfect Proposal,” and “Curious.”And because every episode needs something in the glass, today's drink is the Prego-Rita — a citrusy mocktail with a sparkling-wine upgrade for the girls who aren't pregnant.

Before you buy a rental property, you'll need to decide where to invest. Some rookies feel more comfortable investing in their own backyards, while others prefer to handpick a market that will give them enough cash flow or appreciation to reach their long-term goals. But which one will give YOU an advantage?   Welcome to another Rookie Reply! Today, Ashley and Tony are tackling more questions from the BiggerPockets Forums. First, they weigh the pros and cons of investing out of state before debating whether you should get a home equity line of credit (HELOC) on your primary residence to help fund an investment property.   Planning to do a BRRRR (buy, rehab, rent, refinance, repeat)? Then you'll need to have your financing lined up ahead of time. Should you use a single loan to cover the purchase and rehab, or is it better to fund them separately? We'll break down all your options. Do you need a property manager? Stick around for some crucial tips and interview questions that will help you make the right choice! In This Episode We Cover Whether you should invest locally or out of state for your first real estate deal The best ways to fund a BRRRR (buy, rehab, rent, refinance, repeat) Using a home equity line of credit (HELOC) for a down payment How to find a reliable property manager for your rental property “Overlooked” property management fees that could kill your cash flow And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-646 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Let's revisit some characteristics of December energy because last week you were deep in Thanksgiving energy and you may have missed a few things I suggested planning. Do we all agree the energy has shifted? Even though the calendar still says November, we're all in December! After the Big Meal The dishes have been cleaned and the company has gone home. Now what? You have a couple of days before you return to your normal weekly routines. Now is the time to plan so you can be a proactive holiday person instead of reactive. This is the time to prevent stress and over spending. It's never about all the things we need to do. It's the order in which we do them, when we do them, and the energy we have when we do them. I want to start to focus on what needs to be done to set up this audience for success on Saturday and Sunday or these situations when we have unique pockets of time. Here's the plan to set you up for success as we go into December! Before You Unpack the Holiday Decor Let's plan decorating your home for December.  What does it look like, smell like, and taste like in your home during December? Remember how we asked our family what they'd like for Thanksgiving? Do the same for December.  My family told me it was all about lights for them. So a few years ago I just put up what I wanted and lots of lights.  I thought for sure they'd remember a certain item so I kept everything. But no. And the next year the same. But the dread I felt knowing I had tubs of decor I didn't want to use put a damper on wanting to decorate. After Christmas that second year of not putting out as much I convinced myself to donate all the extras…even childhood items. I felt an epic amount of guilt.  But that next year when I went to get out the decorations all I felt was relief!!  I went from trying to fulfill non-existent family expectations to minimally decorating to donating extras and decorating in record time. But now is the time or you'll blink and it'll be the Monday before Christmas!  And now is the time to shop! I shop now because the lists are ever changing. This prevents me from spending in September and December thus going over budget.  Lots of time the prices go down or you get better deals like bundles.  It's less time that I have to hide what I bought although this year Organize 365® is the delivery address of choice so I (and all employees) don't have to hide anything.  And this is the shopping energy season. Everyone else is shopping and I love to shop so naturally I want to be shopping too! This is also the time to stock up on cards and gift cards for global gifts for people like your babysitter, teachers, amazon delivery people, your house keeper, trash collectors, and etc. Winter Break This is the time of year I normally plan one big outing and a couple of smaller outings. You'll all be home and the kids will be looking for something to do and you probably don't want to spend a bazillion dollars. You can still sleep in, I am just encouraging you to plan something each day. Usually the most fun times come from someone planning it. You can plan an activity or goal each day. I shared how I planned my extra time in episode 683. I want you to revisit it and think about how you could best provide some self care? When the break is over you will feel like you made memories, accomplished a few goals, and ready for January.  EPISODE RESOURCES: Black Friday Sales Catalog Episode 683 - PTO Time Just for ME! Modern Self Care The Sunday Basket® Sign Up for the Organize 365® Newsletter  Did you enjoy this episode? Please leave a rating and review in your favorite podcast app. Share this episode with a friend and be sure to tag Organize 365® when you share on social media!

Get today's deal, the VIP Experience, and all five Black Friday offers here → https://simplysquaredaway.com/blackfriday Most people start a new year without a clear direction, which is why they end up repeating the same patterns. In today's episode, I'm teaching the simple but powerful concept of setting your destination, just like using a GPS, and how this one step makes planning your year easier, calmer, and more intentional. You will learn why having a destination brings clarity to your goals, your time blocks, and your routines, and how designing a repeatable year removes decision fatigue and creates consistency. I also share why identity matters so much in this process and why you cannot outperform what you believe about yourself. And because it's Black Friday week, today's deal helps you put all of this into action with full support. Deal 5 is the VIP Experience, where we spend three hours together mapping out your Organized Year Blueprint so you know exactly where you're going and how to get there. Today only, it's available at the Black Friday rate. Tune in and learn the power of setting your destination and planning your year with intention and clarity.

Disneyland just announced the 2026 Disneyland After Dark dates, and in this episode I'm breaking it all down—what's returning, what's new, and what you should know before tickets go on sale.Whether you love themed after-hours events or you're trying to decide if it's worth adding to your trip, this guide will help you know what to expect for 2026 and how these nights might fit into your Disneyland plans.

Snag Our Simplified Budget System!You know what time it is... it's DECEMBER BUDGET TIME!

In this episode, Jamie shares the key themes she's taking into her 2026 planning — and why now is the moment to shift from working in your business to working on it. She also walks through what to expect in this year's Q1 planning workshop and pop-up community. In this episode you'll learn: • Why "radical responsiveness" is becoming a major differentiator • How to plan for outcomes instead of tactics • What owners should keep close instead of delegating • Why carving out R&D time (especially around AI) matters • How to think realistically about projects, KPIs, and capacity Join the Q1 2026 Planning Workshop: everythingcoworking.com/quarterly Resources Mentioned in this Episode: Q1 2026 Planning Workshop: everythingcoworking.com/quarterly Everything Coworking Featured Resources: Masterclass: 3 Behind-the-Scenes Secrets to Opening a Coworking Space Coworking Startup School Community Manager University Follow Us on YouTube

If you've been looking at your audience lately — your email list, your downloads, your Instagram following — and thinking, “It's just not big enough,” this episode is your gentle reset.Today, I'm sharing an archived audio I originally recorded for my private client podcast. It's a quiet reminder that the size of your audience has never been the thing that determines your success… the root system of your business does.Inside, I share a story about repotting one of my new plants (yes, your girl is officially a plant mama

What's up, elk hunters! This week I'm sitting down with Jacob Winn, and let me tell you—this guy had an absolutely banner year. We're talking about a double bull season: a great six-point with his bow AND another six-point during rifle season. Jacob takes us through his entire 2024 elk hunting journey, from chasing big bulls in Idaho's rugged backcountry to navigating the ups and downs that come with archery season. We dive deep into his strategies, the mistakes he made (and learned from), and how persistence and putting in the days is what really separates successful elk hunters from everyone else. This episode is packed with action—we're talking multiple close encounters, blown opportunities, and some absolutely clutch moments that'll get you fired up for next season. Jacob breaks down everything from scouting tactics to reading bull behavior, hunting with buddies, and knowing when to leave elk to find better elk. Whether you're a DIY archery hunter grinding it out or a rifle hunter trying to find bulls in nasty late-season country, there's something in this episode for you. Let's get into it! OnX Hunt - If you're not using the new LiDAR feature on OnX yet, you're leaving elk on the mountain. LiDAR gives you the ability to see micro-terrain in your topo maps—those hidden benches and terrain features that make all the difference in finding elk. Upgrade to OnX Elite and take your mapping to the next level. Better maps make you a better hunter. Head to onxmaps.com and use code TRO to save 20% off your membership. Stone Glacier - Jacob and I both run Stone Glacier packs, and for good reason. The new Sky Archer 6400 is versatile enough to handle an 8-day backpack hunt or work as a lightweight day pack for bow hunting. These packs are built tough but weigh almost nothing. Check out the full line of Stone Glacier packs at stoneglacier.com—they've got something for every style of hunter. Tricer - Fast, light, and simple—that's what Tricer is all about. From amazing tripods to bino mounts and their new bipods, Tricer makes gear that just works. I've been using the heck out of their bipod and it's helped me kill a lot of critters. Head over to tricer.com and use code TRO to save 10% at checkout. Chapter Timestamps 0:00 - Intro & Meat Processing Talk 2:45 - Jacob's Epic Double Bull Season 5:30 - Getting Started: Jacob's Elk Hunting Background 8:15 - First Archery Season (2021) - 25 Days of Learning 12:00 - Adapting Tactics: From Calling to Open Country 16:30 - The Banner 2023 Season & Double Bull Success 20:45 - Learning from Failure: The Tough 2024 Archery Season 24:00 - Planning for 2024: Scouting & Drawing the Control Hunt Tag 28:15 - Opening Day Drama: The 348" Bull 32:00 - Noah Tags Out in 30 Minutes 35:30 - September Gets Tough: Reading Bull Behavior 39:00 - The Move to New Country 42:15 - Discovering the Mother Lode Basin 46:30 - Ten At-Bats in One Evening 50:00 - The Final Morning: Persistence Pays Off 54:00 - The Perfect Shot at 43 Yards 56:30 - Rifle Season: Finding Elk After the Storm 1:00:00 - Last Evening Magic: Double Bulls Again 1:03:30 - Advice for Becoming a Better Elk Hunter 1:05:15 - Wrap Up & Where to Follow Jacob Three Key Takeaways Volume of Opportunities Matters More Than Perfect Execution - Jacob's success came from getting 10+ close encounters with bulls rather than making every shot count. The more you can put yourself in position with elk, the higher your odds of success. Hunt as many days as possible and stay persistent. Don't Be Afraid to Leave Elk to Find Better Elk - Especially in archery season, pressured or difficult-to-hunt elk aren't worth grinding on forever. Jacob's best success came when he was willing to move to new basins and find unpressured bulls that were actually killable. Combat hunting changes the game. Bulls Have Different Personalities and Situations Change Daily - Not every rutting bull acts the same way. Some go crazy on opening day, others stay cautious all season. Wind, cow cycles, pressure from other bulls, and even individual personality all factor in. Stay adaptable and don't expect bulls to behave like they do in hunting videos.

In this episode, Pastor Joie Miller dives into the importance of reflection as a critical part of planning for the year ahead. By looking back at the previous year—celebrating wins, acknowledging lessons, and identifying growth opportunities—Pastor Joie shows listeners how to set intentional goals and create a roadmap for success in the coming year. This episode is a must-listen for anyone who wants to step into their next year with clarity, focus, and purpose.

China's AI War Planning Focuses on Deception, Raises Global Thermonuclear Risk — General Blaine Holt — General Holt examines China's PLA war planning, which prioritizes using artificial intelligence for grand deception operations. He argues that fifth-generation warfare, leveraging deepfakes and large language models, is potentially more destructive than nuclear weapons. Holt warns that autonomous AI systems adjudicating warfare decisions—analogous to WarGames—represents a probable future scenario. He assesses NATO as "slow and archaic," underscoring the urgent need for advanced indicators, warning systems, and diplomatic frameworks to manage emerging technological threats. NOVEMBER 1973

Jim and Lauren celebrate Thanksgiving with a whirlwind mix of Disney history, holiday nostalgia, and a merch-filled New York adventure. From Wicked-branded ice rinks and a Zootopia 2 takeover at JFK to Macy's exclusive parade collection and a stop at the Harry Potter Store, Lauren brings back a suitcase full of stories. Jim then dives into the legacy of Don Knotts, his long relationship with Disney, and how he ended up voicing Mayor Turkey Lurkey in Chicken Little. A cozy, funny, and very seasonal edition of I Want That Too. HIGHLIGHTS Lauren's NYC trip featuring massive Wicked and Zootopia 2 marketing across Rockefeller Center, Times Square, and JFK Inside Macy's Disney Thanksgiving Day Parade collection, plus Marvel arcade surprises A butterbeer meetup at the Harry Potter Store and standout Potter merch finds Jim's holiday watchlist, including the debut of Prep and Landing: Snowball Protocol A deep dive into Don Knotts' Disney career and his final animated role as Turkey Lurkey HOSTS • Jim Hill - IG: @JimHillMedia | X: @JimHillMedia | Website: JimHillMedia.com • Lauren Hersey - IG: @lauren_hersey_ | X: @laurenhersey2 FOLLOW • Facebook: JimHillMediaNews • Instagram: JimHillMedia • TikTok: JimHillMedia SUPPORT Support the show and access bonus episodes and additional content at Patreon.com/JimHillMedia. PRODUCTION CREDITS Edited by Dave Grey Produced by Eric Hersey - Strong Minded Agency SPONSOR This episode is brought to you by unlockedmagic.com, the trusted team behind the DVC Rental Store and DVC Resale Market. Planning a Disney trip? They can help you secure the best deals on Walt Disney World tickets—sometimes as much as 12 percent off. Pick your dates, grab your tickets, and be sure to tell them Jim and Lauren sent you. Learn more about your ad choices. Visit megaphone.fm/adchoices