Podcasts about Planning

Nick Otto reflects on the recently concluded deer season and shares his excitement for the upcoming ice fishing season. He discusses the joys of ice fishing with family, the importance of preparing equipment, and the thrill of catching and cooking fish. Nick also emphasizes the need for proper management of outdoor gear and the anticipation of new adventures in the outdoors. Wrapped up deer season and made stock from bucks. Excited for ice fishing with upgraded equipment. Ice fishing with kids creates memorable experiences. Catch and cook is a family favorite activity. Planning to explore new fishing species this season. Research is key for booking ice fishing trips. Equipment management is crucial for outdoor activities. Family bonding is enhanced through outdoor recreation. Looking forward to new adventures in the coming year. Preparation for future seasons is essential. Show Partners: Umai Dry Instagram: @umaidry Website: bit.ly/3WhfnnX Sign up for the newsletter for 10% off TieBoss Instagram: @tiebossllc Website: https://tieboss.com/pod?ref=pod Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to step into 2026 feeling clear, confident, and in control? Join The New Year Reset and get a personalized, science-backed roadmap that actually works with your body and real life: https://mindin-my-wellness.captivate.fm/reset26Here's the truth most women need to hear after a holiday meal. You didn't ruin anything and you don't need to punish your body to get back on track. If you've ever woken up puffy, bloated, or mentally spiraling into I'll just start over tomorrow mode, this episode is your permission slip to do things differently.In episode 6 of our Holiday Eating Series, I walk you through exactly what to do after overeating so you can feel better fast without restriction, detoxes, or burning it off. We talk about why punishment actually backfires, how to reset your body gently through hydration, movement, and balanced meals, and the mindset shift that stops one indulgent meal from turning into a full blown all or nothing spiral. Think of this as a calm, steady reset instead of a reaction driven by guilt.By the end of this episode, you'll know how to wake up the next day feeling grounded, confident, and back in rhythm with your body instead of stuck in regret. You'll walk away with a simple reset ritual you can lean on all holiday season so one meal never steals your momentum again. If you want to feel calm, strong, and consistent before January 1st, hit play and let's dive in.And, if this resonated and you're ready to enjoy the holidays without sacrificing your body goals, download your FREE Holiday Eating Roadmap here: https://mindin-my-wellness.captivate.fm/roadmap1:45 – Why you don't need to make up for holiday overeating and how to reset gently instead3:47 – How skipping meals or exercising extra after a big meal can actually backfire4:20 – Understanding water retention and why hydration with electrolytes is your best friend after indulging5:14 – Using gentle movement after a holiday feast for recovery, not punishment6:18 – Getting back to balanced meals with protein and fiber works better than restriction 7:04 – Swapping all-or-nothing thinking for asking yourself what future you would do8:53 – Planning your reset ritual ahead of time for stress-free holidays Other Episodes You'll Love:Episode 139: Why Starting Over in January Keeps You Stuck (Do THIS simple reset to stay consistent all season!) | HOLIDAY EATING SERIESEpisode 140: How to Create a Flexible Holiday Eating Routine So You Can Enjoy the Season Without Stressing About Weight Gain | HOLIDAY EATING SERIESEpisode 141: How to Quickly Stop the I'll Start Over on January 1st Mentality (Try THIS Before You Spiral!) | HOLIDAY EATING SERIESEpisode 142: The Two Ingredients That Make Holiday Eating So Much Easier | HOLIDAY EATING SERIESEpisode 143: Exactly What To Do Before, During & After Your Holiday Events For Maintaining Body Composition | HOLIDAY EATING SERIES

Cartoonists Brad Guigar and Dave Kellett discuss the nuances of print-on-demand services. As Brad says, "It's a good place to start, but a bad place to stay." They delve into the importance of advanced planning for holiday sales. Finally, they share strategies for engaging audiences at comic conventions, covering pricing strategies and the psychology of sales, and emphasizing the importance of understanding costs and audience engagement.Today's ShowPrint on DemandHow to "Let Time Be Your Editor"Convention PricingHuionHuion is sponsoring today's show, and they're offering additional discounts on the following products when you use the discount code: ComicLabKamvas 22 Plus — A luxurious large-screen, high-resolution digital pen display with an etched glass surface that simulates the texture of paper while it protects your eyes from harmful glare.Kamvas 13 (Gen 3) — With a large 13.3-inch screen and an FHD (1920X1080) resolution, this model ensuring seamless collaboration with your laptop. The durable back cover also offers superior protection while ensuring interface stability.Huion Note — You found your new on-the-go brainstorming tool. With writing synchronizing, offline storage, document management, one-click PDF sharing, and portable A5 size, Huion Note will redefine what a new generation of notebooks can do.TakeawaysPatience is key in daily struggles.Print on demand can be a good starting point but not a long-term solution.Planning for holiday sales should start well in advance.Engaging with audiences at conventions is crucial for building a network.Clear pricing and signage can significantly boost sales at conventions.Using loss leaders can attract customers but should be carefully calculated.Understanding your costs is essential for pricing strategies.Round numbers simplify transactions and reduce friction in sales.Time away from your work can provide valuable perspective for editing.Building a strong online presence is important for comic creators. You get great rewards when you join the ComicLab Community on Patreon$2 — Early access to episodes$5 — Submit a question for possible use on the show AND get the exclusive ProTips podcast. Plus $2-tier rewards.If you'd like a one-on-one consultation about your comic, book it now!Brad Guigar is the creator of Evil Inc and the author of The Webcomics Handbook. He is available for personal consultations. Dave Kellett is the creator of Sheldon and Drive. He is the co-director of the comics documentary, Stripped.

I'm about to tell you something that might sting a little: you've been planning your years completely backwards. And it's costing you everything.Here's what I see every single January, and maybe you'll recognize yourself in this: You're setting bold revenue goals, mapping out launches, planning content calendars. It all looks perfect on paper. You're ambitious. You're strategic. You're ready to make things happen.But by March? You're exhausted. By June? You're behind. And by September, you're lying awake at night wondering why this business you built to give you freedom feels like it's running you instead of supporting the life you actually want to live.Sound familiar?Here's the thing: after years of doing this work myself and with hundreds of ambitious women just like you, I've discovered something radical. The problem isn't that you're not disciplined enough. It's not that you're not working hard enough. The problem is the planning methodology itself.We've been doing this backwards. We plan business first. And then we try to squeeze our lives into whatever's left over.In this episode, I'm sharing part of my framework from my Plan Your Ideal Freedom Year workshop, the methodology that's changed everything for me and the women I work with. And it starts with a simple but powerful flip: what if you built your business around your life instead of fitting your life around your business?If you're in your 40s or 50s like me, juggling aging parents, kids launching into adulthood, your own health becoming more complex, and a business that seems to demand more every single year, this isn't just a nice idea. This approach is necessary. It's how you stop optimizing and start actually living.What You'll Learn:Why everything you've been taught about business planning is backwards (and why it's leading you straight to burnout, resentment, and a business that consumes your life instead of supporting it)The 6-step reverse planning methodology I use to claim my life first, then build my business around my actual capacity, not some fantasy version where nothing goes wrongHow to choose your word for the year that becomes your North Star (mine is "golden" for 2026, and I'll tell you exactly why)The non-negotiable first step that most ambitious women skip and why skipping it is stealing your energy, creativity, and joyWhy women in their 40s and 50s must plan differently. Your energy, responsibilities, and wellbeing require a new strategic approach.The holistic life planning process I created with LifePilot to make sure your health, relationships, and personal growth don't get sacrificed on the altar of business success Hosted on Acast. See acast.com/privacy for more information.

In honor of the Winter Solstice happening this coming weekend on December 21st at 10:03 AM Pacific, we celebrate land and place-based cultivation from a foundation of cultural and spiritual care leading the way. We're joined in this by Dr. Don Hankins, Professor of Geography and Planning at California State University, Chico. Of Miwok ancestry, Don, for decades now, has focused on applied research of indigenous stewardship practices as a “keystone process to aid in conservation and management of resources”, particularly around the cultural use of fire and and conservation of water. Don has been involved in land management and conservation local organizations and agencies as well as federal and tribal governments. Listen in! Cultivating Place now has a donate button! We thank you for listening over the years, and we hope you'll continue to support Cultivating Place. We can't thank you enough for making it possible for this young program to grow and engage in even more conversations like these. The show is available as a podcast on SoundCloud and iTunes. To read more and for many more photos, please visit www.cultivatingplace.com.

If you have a love-hate relationship with planning (like I do) or think planning sessions are unattainable for a busy, overwhelmed mom - today's episode is for you. I'm joined by Sarah Hart-Unger - practicing pediatric endocrinologist, mom of 3, writer, and co-host of the Best Laid Plans and Best of Both Worlds podcasts - for a refreshing, grace-filled conversation about planning that actually works in real life. Sarah shares the core ideas behind her book, Best Laid Plans: A Simple Planning System for Living a Life That You Love , including her flexible approach to nested goals, why “being perfect has no place in planning,” and how a solid master calendar and task management system can dramatically reduce mental load. We also talk about why moms of school-aged kids may benefit from seasonal (quintile) planning instead of quarterly planning, how to use an “ideal week” as a helpful reality check (not a source of guilt), and why making space for fun is a critical — not optional — part of any planning system.   This episode is full of practical wisdom and encouragement for anyone who feels overwhelmed, behind, or convinced they “don't have time” to plan. Sarah Hart-Unger is a practicing pediatric endocrinologist, writer, and podcaster with a passion for planning. She loves to share her systems and techniques with others through courses and live planning retreats. She lives with her husband and three children in South Florida. She has been writing most days for over 20 years at theshubox.com. Resources Mentioned: Best Laid Plans: A Simple Planning System for Living a Life That You Love Best Laid Plans podcast Best of Both Worlds podcast Learn more about Sarah's planning courses Related Episodes: Episode 78: Intentional Planning to Combat Overwhelm with Sarah Horgan From Simple + Intentional Episode 120: Intentional Weekend Routines for a Great Week Ahead with Lauren White from the Intentional Edit Podcast Episode 166: Why Compassionate Time Management Matters - with Kendra Adachi from The Lazy Genius *** I help moms declutter their homes, heads, and hearts.   Contact - > info@simplebyemmy.com  Podcast -＞ https://www.simplebyemmy.com/podcast Learn -＞ https://www.simplebyemmy.com/resources Connect -＞ Join our free Facebook group Decluttering Tips and Support for Overwhelmed Moms Instagram -＞ @simplebyemmy and @momsovercomingoverwhelm   *** Don't Know Where to Start? *** 5 Steps to Overcome Overwhelm -＞ https://simplebyemmy.com/5steps/ 5 Mindset Shifts for Decluttering -＞ https://simplebyemmy.com/mindset/   Wanna work with me to kick overwhelm to the curb, mama? There are three options for you! Step 1: Join a supportive community of moms plus decluttering challenges to keep you on track at the free Facebook group Decluttering Tips and Support for Overwhelmed Moms Step 2: Sign up for the weekly Decluttering Tips and Resources Newsletter and see samples here: https://pages.simplebyemmy.com/profile Step 3: Get more personalized support with in-person decluttering and organization coaching (metro DC area only): https://simplebyemmy.com/workwithme/

Feeling anxious, overwhelmed, or like you're living on autopilot? This episode is for you.Today on the Secrets of Supermom Show, I'm joined by Dr. Danielle McGeough—professor, mom, recovering overachiever, and creator of the Stuck Assessment at PlanGoalPlan.com.

Nick Otto reflects on the recently concluded deer season and shares his excitement for theupcoming ice fishing season. He discusses the joys of ice fishing with family, the importance ofpreparing equipment, and the thrill of catching and cooking fish. Nick also emphasizes the needfor proper management of outdoor gear and the anticipation of new adventures in the outdoors.Wrapped up deer season and made stock from bucks.Excited for ice fishing with upgraded equipment.Ice fishing with kids creates memorable experiences.Catch and cook is a family favorite activity.Planning to explore new fishing species this season.Research is key for booking ice fishing trips.Equipment management is crucial for outdoor activities.Family bonding is enhanced through outdoor recreation.Looking forward to new adventures in the coming year.Preparation for future seasons is essential.Show Partners:Umai DryInstagram: @umaidryWebsite: bit.ly/3WhfnnXSign up for the newsletter for 10% offTieBossInstagram: @tiebossllcWebsite: https://tieboss.com/pod?ref=pod Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nick Otto reflects on the recently concluded deer season and shares his excitement for theupcoming ice fishing season. He discusses the joys of ice fishing with family, the importance ofpreparing equipment, and the thrill of catching and cooking fish. Nick also emphasizes the needfor proper management of outdoor gear and the anticipation of new adventures in the outdoors.Wrapped up deer season and made stock from bucks.Excited for ice fishing with upgraded equipment.Ice fishing with kids creates memorable experiences.Catch and cook is a family favorite activity.Planning to explore new fishing species this season.Research is key for booking ice fishing trips.Equipment management is crucial for outdoor activities.Family bonding is enhanced through outdoor recreation.Looking forward to new adventures in the coming year.Preparation for future seasons is essential.Show Partners:Umai DryInstagram: @umaidryWebsite: bit.ly/3WhfnnXSign up for the newsletter for 10% offTieBossInstagram: @tiebossllcWebsite: https://tieboss.com/pod?ref=pod Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

"Podcast audiences absolutely love consistency." - Charlotte Lewis-WestNiall Mackay sits down with podcast strategist Charlotte Lewis-West to uncover the keys to effective podcast planning and promotion. With years of experience in radio journalism and podcast consultancy, Charlotte shares invaluable insights on developing a solid podcast strategy, understanding your audience, and leveraging various platforms for promotion.The conversation delves into the importance of identifying your niche, setting clear objectives, and measuring success beyond just download numbers. Charlotte emphasizes the power of consistency and explains how proper planning can lead to long-term podcast success. Niall and Charlotte also discuss effective promotion techniques, from leveraging guest networks to creating engaging short-form content across different social media platforms.Key Takeaways:Identify your audience and niche to tailor your podcast format and tone (04:58)Develop a clear objective and success metrics for your podcast (09:14)Consistency is crucial for podcast success and audience retention (34:35)Short-form content can significantly boost podcast visibility (27:28)Understand regional preferences for podcast consumption (audio vs. video) (29:26)Chapters and Timestamps: 04:58 - The importance of podcast planning 09:14 - Developing a podcast strategy 14:58 - Understanding your audience and niche 19:00 - Effective podcast promotion techniques 24:23 - Advertising platforms for podcasts 27:28 - The power of short-form content 29:26 - Audio vs. video podcasting 34:35 - Long-term benefits of podcast planningSend us a textEmail me (niall@sevenmillionbikes.com) or contact me on Seven Million Bikes Podcasts Facebook or Instagram to book your free Podcast Audit!Thanks to James Mastroianni from The Wrong Side Of Hollywood for the endorsement! Sign up for Descript now! Need a stunning new logo for your brand? Or maybe a short animation?Whatever you need, you can find it on Fiverr.I've been using Fiverr for years for everything from ordering YouTube thumbnails, translation services, keyword research, writing SEO articles to Canva designs and more!

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What if the reason planning never seems to stick isn't your willpower, your discipline, or your color-coded calendar… but your identity? In this episode, I'm joined by subconscious success alchemist Mindi Heubner for a conversation that will completely shift how you approach the new year — especially if you're tired of setting goals that look good on paper but fall apart in real life. Mindi breaks down why traditional planning still leads so many women straight into hustle, burnout, and over-responsibility… even when we think we're choosing ease. We dig into the real drivers behind your habits, why your subconscious identity always wins, and how to step into the calm, confident CEO version of you who plans sustainably — not stressfully. If you want 2026 to feel different, more grounded, and more you, this episode will help you release the pressure, rewire the patterns that keep you stuck, and plan from your true capacity — not unrealistic expectations. Today you'll hear:02:48 – What “life-first business” looks like for Mindi this season — and how identity creates capacity04:36 – The pressure of December, why reflection triggers your inner critic, and how to plan without hustling06:53 – Why traditional SMART goals miss the mark when your subconscious identity isn't aligned09:28 – How to recognize the identity patterns driving your habits: the Prover, Performer, Over-Responsible One, and Chameleon12:38 – How to shorten the identity gap and plan for 2026 from who you're becoming, not who you've been15:12 – What fear of success actually sounds like — and simple ways to prove to your brain that growth is safe20:03 – Why “how you do one thing is how you do everything” needs a rewrite — and what's actually true22:58 – The biggest red flag in year-end planning and how to shift into a self-led, sustainable approach25:41 – How 1% identity shifts create the biggest results (plus the tiny change Mindi is making herself) CONNECT WITH MINDI:Website: mindihuebner.comInstagram: @mindihuebnerFREE Identity Quiz: mindihuebner.com/ceoquiz 

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What do an erupting volcano, a flooded forest, and the 250th anniversary of American independence have in common? They all made our list of top national park adventures from 2025! This year gave us some unforgettable experiences, and we can't wait to share them with you. In this episode, we cover: Why Boston is the perfect place to celebrate America's 250th birthday in 2026 What it's like to kayak Cedar Creek in Congaree National Park How we managed to see Kilauea erupting in real time at Hawaii Volcanoes National Park Your task for today: Check the USGS or NPS website to see if Kilauea is still erupting, and start planning your own once-in-a-lifetime lava-viewing trip. Or, if volcanoes aren't in the cards, look up Revolutionary War sites in the national park system to help plan your 250th anniversary celebration in 2026. Head over to the @DirtInMyShoes Facebook or Instagram page and let us know what you think! Don't miss the full show notes packed with all the links we mentioned so you can plan your adventures like a pro: https://www.dirtinmyshoes.com/our-top-3-national-park-experiences-in-2025/  Planning your own 2026 adventure? Dirt In My Shoes Itineraries: https://www.dirtinmyshoes.com/national-park-trip-itineraries/  Master Reservation List: https://www.dirtinmyshoes.com/list/ National Park Checklist: https://www.dirtinmyshoes.com/national-parks-checklist/  Trip Packing List: https://www.dirtinmyshoes.com/pack/

Feel like you're in a routine of work, happy hour/holiday parties, too much food or alcohol and too little sleep? Or maybe you're looking for social plans that don't revolve around cocktails. If you struggle with blood sugar crashes, afternoon slumps, and that constant feeling of hunger, this episode may just be the key to finally feeling in control of your health—especially during the holiday season.In this episode of Salad With a Side of Fries, Jenn Trepeck welcomes Sarah Wragge, founder of Sarah Wragge Wellness, to discuss building a community and connecting with colleagues or friends without relying on alcohol-centered social events. They explore practical strategies for blood sugar balance, the power of starting your day with a protein-rich breakfast, effective food-sequence techniques, and how to create meaningful connections through fitness and wellness activities rather than traditional happy hours. Sarah shares her journey from corporate advertising to holistic nutrition coaching and reveals that balancing blood sugar throughout the day is the foundation for sustainable health.What You Will Learn in This Episode:✅ How blood sugar balance through strategic meal timing (eating every 3-4 hours with protein, fat, and fiber) eliminates food noise, constant hunger, prevents energy crashes, and helps you feel satisfied throughout the day without obsessing about food.✅ The transformative power of alkalizing the body before coffee using greens to combat inflammation, improve digestive health, boost morning energy levels, and counteract the acidic effects of caffeine, sugar, and processed foods.✅ Why building a wellness community through fitness classes, morning coffee dates, and movement activities creates deeper connections than alcohol-centered socializing, plus practical alcohol guidelines like consolidating drinking days and choosing quality over quantity.✅ The strategic approach to holiday indulgences using food sequencing—stacking nutrition with protein breakfast and meals throughout the day before dessert—to prevent blood sugar spikes and enjoy treats without guilt or post-meal crashes.The Salad With a Side of Fries podcast, hosted by Jenn Trepeck, explores real-life wellness and weight-loss topics, debunking myths, misinformation, and flawed science surrounding nutrition and the food industry. Let's dive into wellness and weight loss for real life, including drinking, eating out, and skipping the grocery store.TIMESTAMPS: 00:00 Blood sugar balance strategies, meal timing for sustained energy and Sarah Wragge's journey from corporate advertising to holistic nutrition coaching05:19 Shifting wellness connection from alcohol-centered dinners to activities like a fitness class08:44 Building wellness community through coffee dates instead of happy hours and fixing the holiday mindset: small daily choices vs. January diet mentality12:37 Alkalizing the body with greens before coffee for digestive health16:07 Food sequencing and eating more less often for blood sugar stability21:24 Strategic alcohol guidelines: consolidating drinking days and picking your number25:08 Planning protein-forward meals before indulgences to prevent energy crashes31:37 Choosing to feel good every day35:52 The next frontier: micronutrients and fiber intake beyond macro trackingKEY TAKEAWAYS:

"We're not just telling stories anymore—we're helping people make sense of the world."That's the powerful message behind this week's episode of Nonprofit Nation featuring Kristen Grimm, founder and strategist of Spitfire Strategies, a leading communications firm that helps nonprofits, foundations, and social changemakers sharpen their voice and deepen their impact.In this conversation, Kristen introduces the concept of “meaning-making” — the process of helping people interpret what's happening around them, understand what it means, and decide how to act. With the world experiencing unprecedented levels of uncertainty, polarization, and complexity, Kristen argues that communicators now face a once-in-a-generation opportunity to help people cut through the noise and find clarity, purpose, and direction.Drawing on her recently published meaning-making blog series, Kristen shares a timely roadmap for nonprofit leaders looking to rise above the chaos and communicate with resonance. You'll hear about the different phases of meaning-making, how to spot a "meaning-making window" when it opens, and why now is the time to shift from persuasion to perspective-shaping.

Send us a textBudgeting doesn't have to feel restrictive, shame-filled, or overwhelming.In this episode of The Strong Her Way, host Alisha Carlson is joined by Shana and Vanessa from Budget Besties to redefine what modern budgeting really looks likeand why it's the key to long-term financial calm.Together, they unpack why budgeting often feels as daunting as dieting and how financial guilt mirrors our relationship with food. If you've ever felt like you're “bad with money,” this conversation will shift your money mindset and help you see that the real issue is often disorganization, not discipline.You'll learn how to build a sustainable budgeting system that allows for joy, flexibility, and intentional spending—without sacrificing your future goals. From automating your budget to planning for annual expenses, this episode offers practical strategies for long-term financial planning while also addressing the emotional side of money management.Most importantly, this conversation reframes budgeting as a tool for empowerment, food freedom–style abundance, and self-trust, not restriction. If you're ready to heal your relationship with money, invest in yourself without guilt, and create financial systems that actually work in real life, this episode is for you. Key topics include:Breaking free from financial shame and guiltSustainable budgeting vs. traditional budgetingHealing your relationship with moneyIntentional spending and financial awarenessInvesting in yourself as a powerful financial choiceCreating financial calm through clarity and systems Key TakeawaysBudgeting can feel as daunting as dieting—but it doesn't have to.Most “spending problems” are really organization problems.You can enjoy life and be financially responsible.Automating your budget reduces stress and decision fatigue.Planning for annual expenses creates long-term stability.Healing your relationship with money starts with knowing your numbers.Investing in yourself is a valuable, intentional decision—not a splurge.Separating bills from spending brings clarity and calm.Delayed action in budgeting can cost you opportunities.Creating a budgeting system beats traditional budgeting every time.To sign up for their Budget Bootcamp, click here:  https://budgetbesties.com/bootcamp/ 

In this solo episode of Stuff About Money They Didn't Teach You in School, Xavier Angel, CFP®, ChFC®, CLTC, steps behind the mic to wrestle with a tough truth: planning isn't optional, not if you want control over your future. Fresh off his conversation with Giovanni Arenas about Gio's life-threatening condition and remarkable double lung transplant, Xavier gets another call that hits just as hard. A dear friend's cancer has returned, and with it comes the realization that he never put proper business succession plans in place. It is a moment that reveals not just financial vulnerability but emotional fallout, the kind that compounds heartbreak when families are already hurting. Xavier digs deeper into why waiting to plan is one of the costliest decisions a business owner can make. He lays out how proactive planning protects the people you care about most and why delaying those decisions hands your future over to circumstances instead of intention. This episode is an honest call to action: don't wait until life forces your hand. If the message resonates, share the episode with someone who needs the nudge, and make sure you're following the show for more conversations that help you take control before life does it for you. Episode Highlights: Procrastination is a bill that silently compounds, delaying tasks makes them harder to complete, and weighs you down. (01:00) Time is the most valuable asset when building wealth. Every year of waiting meant losing opportunity, not just time. (01:30) Xavier references his previous episode with Giovanni Arenas about his double lung transplant and how quickly life can change. (02:30) Xavier shares a personal story: A close friend's rapidly progressing cancer forced immediate business and family decisions no one was prepared for. (04:10) Xavier outlines action steps: Create a will, establish an estate plan (not just for the wealthy), and build a business continuation plan. (07:10) Planning documents are acts of love and gifts of clarity that ensure your intentions, not others' emotions, guide what happens next. (07:50) Key Quotes: “Procrastination doesn't just slow you down. It widens the gap between where we are today and where we want to be.” - Xavier Angel, CFP®, ChFC®, CLTC “Planning isn't when life is perfect. Planning isn't when life happens, planning now it matters.” - Xavier Angel, CFP®, ChFC®, CLTC “ Take that first step today, no matter how small. Start planning today. Start the conversation, get the documents in place. Build the plan that protects the people and the legacy you want to fulfill your future self and your family will thank you later.” - Xavier Angel, CFP®, ChFC®, CLTC Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Heath Prior of Prior Wealth Planning

Join travel advisors Ryan and Julie on All Things Travel as Ryan shares an in-depth review of his honeymoon at Hyatt Zilara Cap Cana in the Dominican Republic. After Hurricane Melissa forced a last-minute change from Jamaica, Ryan and his wife Jasmine discovered this stunning adults-only all-inclusive resort turned out to be the perfect destination.Planning & Arrival:Dominican Republic entry requirements including the e-ticket processTransfer experience with Amstar and 15-minute drive from Punta Cana airportFirst impressions of the modern, open-air resort with ocean viewsClub Level Benefits:Exclusive breakfast and lunch restaurants with sit-down servicePrivate club pool with enhanced amenitiesPersonal concierge service (Larissa) for reservations and requestsResort Experience:Swim-up room review and honeymoon amenitiesDaily cabana rental at the club pool - the ultimate pampering experienceBeautiful beach conditions and water sports including sailing on a Hobie CatResort layout that "eats people up" so it never feels crowdedDining:Traditional Dominican breakfast and diverse lunch optionsRestaurant reviews across both Zilara (adults-only) and Ziva (family) sidesNo reservations needed - first come, first served systemActivities & Entertainment:Daily schedule from breakfast through evening showsFitness classes, aqua cycling, and water sportsAfternoon tastings: cocktails, rum, coffee, and cigarsWine and painting, silent disco, and nightly theater performancesMichael Jackson and Queen tribute shows, circus acts, and magic showsWhy it felt like "adult all-inclusive camp" in the best wayMulti-Generational Travel:How the connected Zilara/Ziva properties work perfectly for familiesEasy access between adults-only and family sidesShared beach and pool spaces on the family sideWhether you're planning a honeymoon, romantic getaway, or multi-generational trip to the Dominican Republic, this episode provides honest insights into the Hyatt Zilara Cap Cana experience, club level benefits, and tips for maximizing your all-inclusive vacation.Keywords: Hyatt Zilara Cap Cana, Dominican Republic honeymoon, all-inclusive resort review, Punta Cana resorts, adults-only vacation, club level benefits, Hyatt Ziva Cap Cana, Caribbean travel, honeymoon planningSupport the showLove the podcast? Help us continue to create great travel content by supporting the show. You can do that here: https://www.buzzsprout.com/1197029/supporters/new Ready to plan your vacation? Most families are confused and overwhelmed when planning a vacation. We work with you to plan a trip perfect for your family. Saving you time, money, and stress! Visit our website www.allthingstravelpodcast.com and click on "Plan Your Next Vacation" Join the travel conversations and the fun in our Facebook Page and Instagram Page! Please share the show with your travel buddies!! Click this link and share the show! Never miss an episode and help us take you to the top with us by following and leaving a 5-Star review on your favorite podcasting app!

In this special year-end episode of the Life Matters Podcast, Bill Bell and co-host Jenna Washatka look back at their favorite moments of 2025, the topmost listened to episodes of 2025, and celebrate the show's 25th episode milestone.You'll hear highlights from the year's most valuable conversations, including:What the Accelerated MultiLife Platform (AMP) means for executive benefits and multilife marketEssential insights on special needs planning, tax reform, and H.R. 1When Management Services Organizations (MSOs) make sense for business owners and where life insurance fitsModern estate and advanced planning strategiesWhether you focus on business owners, special needs families, or high-net-worth estate planning, this recap is packed with advanced sales insights you can use in client conversations right away.Have a question or comment for Bill? Drop him an email at: LifeMatters@PennMutual.comFollow Us Facebook: https://www.facebook.com/PennMutual/Instagram: https://www.instagram.com/PennMutual/LinkedIn: https://www.linkedin.com/company/penn-mutual/Presented by Penn Mutual: https://www.pennmutual.com/This podcast is for informational purposes. Guests' views, comments, and opinions on products, services, or strategies do not necessarily represent the views of or imply endorsement by The Penn Mutual Life Insurance Company or its affiliates. Product availability, benefits and provisions vary by state.8655118NS_DEC27 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textAre you scaling the wrong thing... successfully?If your 2025 planning feels heavy, misaligned, or nonexistent — it's not because you're lazy. It's because you're still using a corporate operating system for a boutique business. In this episode, Dawn Andrews drops the velvet boot of truth to show you why most female founders sabotage their year-end planning and how AI can help you get radically honest, strategic, and aligned.Download The Feedback Fix — because planning means nothing if your team can't run with the ball. Get the free guide to giving feedback that actually lands and drives accountability. Key TakeawaysStop planning like you have a CFO — Your three-person team doesn't need quarterly OKRs and a content calendar that takes 30 people to execute.AI is your honesty coach — Use it to uncover revenue patterns, energy drains, and strategic misalignment.Only 3 things matter: What made money, did you enjoy it, and did it make a difference?Decisions create constraints — It's not about setting goals, it's about choosing what you'll stop, amplify, and build.Your dream business won't come from a LinkedIn-optimized strategy. It comes from truth, clarity, and alignment.Resources & Links:Freebie: The Feedback FixJoin the Community: AI for Founders Free GroupRelated Episodes:110 | 3 Custom GPTs That Save Female Founders 16 Hours a Week102 | 3 SOPs Every Founder Should Build in 30 Minutes (Using AI)Want to increase revenue and impact? Listen to “She's That Founder” for insights on business strategy and female leadership to scale your business. Each episode offers advice on effective communication, team building, and management. Learn to master routines and systems to boost productivity and prevent burnout. Our delegation tips and business consulting will advance your executive leadership skills and presence.

Village churches are as much a part of our rural landscape as trees and hedgerows. However according to a recent survey by the National Churches Trust, as many as nine hundred of Britain's countryside churches are in danger of closing in the next five years. We visit a church in North Cumbria where the farming community is determined to save it. We also speak to the National Churches Trust about their fears for the future of small rural churches.There's also discussion of the latest government changes to planning regulations.Producer: Rebecca Rooney

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 NBA Cup Champion is crowned! UNC & UGA Hoops See omnystudio.com/listener for privacy information.

In this episode of the Admittedly Podcast, host Thomas Caleel walks sophomores and their families through a critical midyear check-in. With first semester complete and winter break underway, this is the moment to take an honest look at academics, extracurriculars, and overall direction before junior year raises the stakes. Thomas explains why sophomore year often feels harder than expected, how small gaps now can turn into major problems later, and what students should be doing right now to stay competitive for selective college admissions. Freshmen can use this episode to look ahead, and juniors can use it as a benchmark to see what they may need to adjust. Key Takeaways Sophomore Year Is a Pressure Jump: Classes get harder fast, and this is often when students realize that high school rigor is cumulative. Fix Academic Gaps Now: Winter break is the best time to address weak foundations in math, science, and core subjects before they compound. Rigor Matters More Than Ever: Taking the most challenging courses available and performing well is essential for competitive college admissions. Extracurriculars Need Focus: Sophomore year is the time to narrow activities, say no to what no longer serves you, and go deeper where interest and impact align. Be Honest About Athletics: If recruitment is unlikely, students need to rebalance early to avoid becoming one dimensional. Start Planning for Summer Early: Applications for summer programs, jobs, and volunteering often open now, and early action creates real options. Testing Preparation Starts Here: Reading consistently and beginning light SAT or ACT prep now pays off significantly later. Families can explore free college admissions resources, guides, and blogs at admittedly.co. For daily advice, follow us on Instagram and TikTok: @admittedlyco

As 2025 wraps, many business owners are feeling the wobble, slower demand, rising costs, and uncertainty about what 2026 will look like. In this episode, Melissa explains why the economy feels off, why small businesses feel the impact more intensely, and how to regain control with her Wobbly Economy Planning Framework.Four planning mistakes to avoidTrying to cut your way to growthCreating one rigid planFreezing hiring and burning out your teamMaking pricing decisions too lateThe Wobbly Economy Planning FrameworkMelissa walks you through creating three scenario-based plans, Best Case, Likely Case, and Worst Case, plus how to review your offers, build an expense strategy, set cash and margin guardrails, and choose the right KPIs.Your role as the leaderYour energy sets the tone. Your team and clients don't need certainty, they need clarity, confidence, and a steady path forward.Need help building your 2026 plan?Book a free consultation at www.melissafranks.com/fractionalcooservices planning in a wobbly economy is too important to do alone.Connect with Melissa: Watch the Episodes on Youtube Instagram: instagram.com/melissa_franks Schedule a call: melissafranks.com

Planning a trip to Switzerland can feel exciting, but it can also feel like there's a lot to think about all at once. If you're planning a European trip and wondering where to start, I'm here to help you slow things down and get organized without the overwhelm.In this episode, I share simple, practical travel planning tips to help you cover the basics, including passport validity requirements, what you need to know about Schengen area travel entry procedures, and how the upcoming ETIAS Authorization may affect your plans. These are the kinds of details that are easy to overlook but can cause stress if you leave them too late.We also talk about key things to add to your travel preparation checklist, and what to keep in mind when packing for Europe. I also share some itinerary planning tips that will be especially helpful for first time travelers.If you're looking for a calmer, more confident approach to your Switzerland or European vacation planning, want to enjoy meaningful cultural travel experiences, and prefer trips that feel well thought out but not overplanned, this gives you a solid starting point for a smooth and enjoyable Swiss vacation.Happy travels,Carolyn

Planning's greatest Holiday Ads Party returned live to the Merchandise Mart in Chicago. A packed house watched and debated some of the best holiday ads from the US and UK. On stage were Nimisha Jain, CSO at Highdive, Pedr Howard, Head of Creative Excellence at Ipsos, Samantha Cescau, CSO at Leo Burnett and Mark Gross, Co-Founder and Co-CCO at Highdive. Love to hear what your favorite Holiday spot was this year. Thanks to Ipsos, The Effies and Tracksuit for supporting our 2025 live tour. Happy Holidays everyone.

Show Highlights: Introduction to the "Activating Strategy" miniseries. [00:52] Why planning is not a strategy. [04:05] Three critical components in a strategy activation plan. [07:12] What risks can a decoupling strategy from planning prevent? [08:47] Four simple ways to distinguish strategy from planning. [11:56] Inviting agribusinesses with strategic clarity to be featured on the pod. [14:00] Alert on what's coming up on the miniseries. [14:38] If you are interested in connecting with Joe, go to LinkedIn: https://www.linkedin.com/in/joemosher/, or schedule a call at www.moshercg.com.

Ray Fittipaldo from The Pittsburgh Post-Gazette comes on The Fan Hotline to react to the Steelers' win over the Miami Dolphins on Monday.

Planning for retirement in your sixties involves a series of decisions that shape the rest of your life. Many retirees and pre-retirees are unsure how Social Security, healthcare, taxes, investments, and estate planning all work together, and this uncertainty can lead to costly missteps. In this episode, Larry Heller, CFP®, CDFA®, breaks down the most common mistakes he sees people make during this decade and explains how thoughtful planning can help you approach retirement with clarity and confidence. He highlights real-world scenarios where timing, income needs, and coordination across financial decisions can make a meaningful difference for retirees and their families. What to expect: The Social Security mistakes many people make at ages 62 to 67 How income needs, longevity, and spousal benefits affect the right claiming strategy Why knowing your spending is one of the most powerful pieces of retirement planning Healthcare planning essentials, including Medicare, IRMAA, and long-term care Managing investments in your sixties without becoming too conservative too quickly Missed tax opportunities such as Roth conversions and withdrawal sequencing Emotional preparation and lifestyle planning for a fulfilling retirement Why updated estate documents and beneficiary designations matter And more! Resources: Download the checklist: Key Retirement Decisions in Your 60s Connect with Larry Heller:  (631) 248-3600 Schedule a 20-Minute Call Heller Wealth Management LinkedIn: Larry Heller, CFP®, CDFA®, CPA YouTube: Retirement Unlocked with Larry Heller, CFP®

B2B sales leader Kent Kononoff is back with us on the show to share his expertise on the crucial, and often overlooked, connection between physical fitness and sales performance. Drawing from over 25 years of experience, Kent shares how discipline, consistency, and resilience developed through fitness routines can directly improve outcomes in the sales world.  The conversation uncovers Kent's favorite daily habits for staying energized, the role of nutrition and sleep, and practical strategies for overcoming the lifestyle challenges sales professionals often face. Whether it's hiking with clients or building accountability with colleagues, Kent reveals the secrets to staying motivated, managing stress, and sustaining peak performance. If you're looking for actionable advice on blending wellbeing with work to become a high-performing sales professional, this is one episode you don't want to miss. Outline of This Episode [04:26] Kent's favorite fitness habits: morning exercise, meal planning, and movement breaks. [06:46] Overcoming fitness and lifestyle challenges. [07:47] Combining client meetings with exercise and enjoying nature. [12:09] Prioritize nutrition, sleep, and recovery; don't overexert yourself. [15:01] Fitness and nutrition sustain Kent's energy for long workdays and frequent travel. [17:05] Never compromise on fitness or nutrition: they are critical for both personal and professional excellence. The Overlooked Link Between Fitness and Sales Performance There are direct parallels between fitness and success in sales. Both arenas, Kent points out, demand discipline, consistency, dedication, and the willingness to tackle tough challenges head-on. Kent likens uphill mountain biking, where grit and resilience see you through, to the demanding "uphill" moments every salesperson inevitably faces. The physical stamina built through exercise translates directly to mental toughness and perseverance on the job. For Kent, athleticism isn't simply a bonus trait he looks for when hiring; it's a key criterion. Candidates with athletic backgrounds often exhibit teamwork, determination, and a coachable spirit, all attributes that fuel both athletic and sales success. Building Daily Habits that Pay Off What's the secret sauce for keeping that momentum going day after day? Kent's go-to is a consistent morning routine, starting each dawn with breathwork, stretching, and some form of physical activity, whether hitting the gym or taking a brisk walk. This jumpstart not only gets his heart pumping but sets a positive tone for the entire day, fueling motivation and raising overall energy levels. His approach goes beyond exercise alone: Meal Planning: Avoiding the all-too-common pitfalls of poor dietary choices, especially when sales roles often involve client meals and unpredictable schedules. Planning meals in advance and even using AI tools to track nutrition ensures that energy remains steady and focused. Movement Breaks: Recognizing the hazards of sedentary work, Kent schedules mini-exercise intervals or walks throughout the workday to keep both body and mind sharp. Navigating Sales-Specific Health Challenges Sales professionals face unique lifestyle obstacles: long hours, frequent travel, and a schedule that's never truly their own. Kent acknowledges that a lack of time is a universal excuse, but urges salespeople to treat fitness as they would any non-negotiable client meeting, making it a priority and protecting it. He also addresses the double-edged sword of business done over meals or drinks. His solution is proactive planning to make healthier choices, and consider inviting clients for activity-based meetings (like walks or even hikes), which boost fitness and build stronger client relationships. To combat burnout and fatigue, Kent recommends being vigilant for warning signs, such as low energy or motivation. His antidote? Get back to basics: stick to a strict exercise schedule, maintain mindful nutrition, and establish a disciplined sleep routine. He stresses that sleep is a critical, yet often neglected, performance lever, impacting not only productivity but the longevity of one's sales career. Putting Fitness First With a demanding travel and meeting schedule, Kent credits his fitness routine for sustaining energy and focus during marathon days. While others feel burned out, he's energized and effective until the last meeting. The key is to never compromise on fitness and nutrition goals. The most successful and long-tenured sales professionals are those who invest in their health, reaping the rewards of high performance, longevity, and overall life satisfaction. Physical fitness isn't just a nice-to-have for sales professionals; it's a game-changer. By weaving movement, healthy eating, and recovery into your daily rhythm, you not only elevate your career but also enjoy a better quality of life both inside and outside the office.  Connect with Kent Kononoff Kent Kononoff on LinkedIn  Connect With Paul Watts  LinkedIn Twitter  Subscribe to SALES REINVENTED Audio Production and Show Notes by PODCAST FAST TRACK https://www.podcastfasttrack.com

My heart is yearning (yep, it's a NOFX song) in anticipation.Of what?Well, that's what the episode is, you jerk. Don't ruin the surprise.Coming on the heels of the tragic shooting in Sydney, Australia, the boys couldn't help but notice the commentary about how someone, somewhere, should have anticipated it.What does that have to do with Punk Rock Safety?Well, anticipation is one of what Erik Hollnagel calls the four potentials of resilient systems. Sounds great, but what - and how - are we supposed to anticipate? It doesn't seem possible to predict every possible failure or event, right? But what about conditions in the system?Instead of trying to 'Magic 8 Ball' everything, Ron, Dave, and Ben suggest that what organizations should anticipate is where systems, processes, or people may be stretched, stressed, or pushed to their limits. Like in the circle pit. Or pretty much any time you're forced to listen to the Misfits for very long. Or ska.Basically, we should focus on anticipating where there is less capacity to adapt and maneuver. Recognizing these vulnerable spots, organizations can then build their capacity to adapt, respond, and recover, even if it isn't a specific scenario.So, expecting a single, complex convergence into an unpredictable event is tough. Planning for degraded conditions in parts of the system without a lot of backup? That's the kind of anticipation that counts (somebody let the sound guys at Punk in the Park know, would ya?). DISCLAIMER: You probably shouldn't take anything in this podcast too seriously. Punk Rock Safety is for entertainment only. It's definitely not a replacement for professional or legal advice, and the fair amount of piss-taking, shithousery, and general ridiculousness ought to clue you into the fact that no one - and no organization - is endorsing (or un-endorsing, if that's a thing) any products, ideas, or other things. Except NOFX. We definitely endorse them.Oh, and give your money to Punk Rock Saves Lives. They're a rad organization that works in mental health, addiction, and human rights. And they're awesome people who can use your help to keep on kicking ass at what they do.https://www.punkrocksaveslives.org/Let us know what you think at info@punkrocksafety.com or on our LinkedIn page.Merch at punkrocksafetymerch.com

HOUR 4- Ally's trip Planning, Top Song Moments and MORE full 1610 Tue, 16 Dec 2025 16:42:00 +0000 Z4xqclcNKwFsKGe7IRZbzk02aCG4kpa1 society & culture Klein/Ally Show: The Podcast society & culture HOUR 4- Ally's trip Planning, Top Song Moments and MORE Klein.Ally.Show on KROQ is more than just a "dynamic, irreverent morning radio show that mixes humor, pop culture, and unpredictable conversation with a heavy dose of realness." (but thanks for that quote anyway). Hosted by Klein, Ally, and a cast of weirdos (both on the team and from their audience), the show is known for its raw, offbeat style, offering a mix of sarcastic banter, candid interviews, and an unfiltered take on everything from culture to the chaos of everyday life. With a loyal, engaged fanbase and an addiction for pushing boundaries, the show delivers the perfect blend of humor and insight, all while keeping things fun, fresh, and sometimes a little bit illegal. 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.co

More than 90% of all liquid fuel in Oregon is stored along a 6 mile stretch of the Willamette River just north of downtown Portland known as the Critical Energy Infrastructure hub. Studies have shown that a major earthquake could cause the release of as much toxic liquid as the BP Deepwater Horizon oil spill, with oil reaching all the way to the mouth of the Columbia River. This fall, the city released a draft proposal to reduce the fuel stored at the site and require seismic upgrades. Eric Engstrom, director of the Portland Bureau of Planning and Sustainability, joins us to explain the plan.

In this episode, Tim sits down with Jessica Stuver, a K–8 art teacher, to discuss planning ahead for Youth Art Month and why early advocacy is crucial for art education. Jessica shares practical strategies for celebrating student creativity, promoting the value of art programs, and making Youth Art Month meaningful for schools and communities. The conversation also explores the power of connection among art teachers, from conferences and professional learning communities (like the Art of Ed Community!) to everyday idea-sharing that helps educators stay inspired. As winter sets in, Jessica offers thoughtful advice on navigating the challenging months of the school year, preparing for the second semester, and prioritizing self-care while continuing to support students. Resources and Links Join the Art of Ed Community 15 Ways to Advocate for Your Program Simple Ways to Celebrate Youth Art Month in Your School 4 New Ideas to Celebrate Youth Art Month Listen to the Art Ed Radio episode on Advocating for Art Ed Learn more about the Art Ed NOW Conference!

This episode is sponsored by Lightstone DIRECT. Lightstone DIRECT invites you to partner with a $12B AUM real estate institution as you grow your portfolio. Access the same single-asset multifamily and industrial deals Lightstone pursues with its own capital – Lightstone co-invests a minimum of 20% in each deal alongside individual investors like you. You're an institution. Time to invest like one.—-----------------------------What if planning wasn't about rigid to-do lists… but about carving out time for surfing with your kids, date nights, and saying “no” to overwhelm?In this practical episode, Dr. Bradley Block sits with Dr. Sarah Hart-Unger to explore her simple system for goal-setting and life management. Sarah reveals how she evolved from a time-strapped resident to a mom of three who balances medicine, podcasts, and adventure. Dive into yearly visioning (e.g., “What do I really want?”), quarterly goals, monthly calendars, and daily rituals that prevent fires from derailing your dreams. She shares pitfalls like neglecting partner time, the power of friend spreadsheets, and why spontaneity thrives on structure. Drawing from her book, “Best Laid Plans“ and courses, Sarah proves planning is the “knife-sharpening” for a delicious life—efficient, fun, and regret-free.If your to-do list runs you instead of the other way around, this is your blueprint to reclaim balance and build memories that matter.Three Actionable Takeaways:Start with yearly visioning: Dedicate hours annually to brainstorm big dreams (e.g., surfing with kids). List audacious goals, then revisit seasonally. Break into quarterly milestones like booking a trip, to keep them alive. This ensures daily life aligns with what excites you, turning “someday” into reality without overwhelm.Master task management: Use a “brain dump” to capture everything, then categorize into urgent vs. important. Schedule non-negotiables first (e.g., dates, friends), block deep work, and review weekly. Embrace tools like digital calendars or spreadsheets to track progress, preventing fires while creating space for spontaneity and joy.Evaluate opportunities thoughtfully: Before saying yes, scan your calendar for fit. Consider energy, family, and fun. Phases matter: Early career? Take more risks. With kids? Be selective. Prioritize relationships (e.g., friend tiers, date nights) to avoid regrets. Planning sharpens life like a chef's knife—efficient and delicious.About the Show:Succeed In Medicine  covers patient interactions, burnout, career growth, personal finance, and more. If you're tired of dull medical lectures, tune in for real-world lessons we should have learned in med school!About the Guest: Dr. Sarah Hart-Unger is a practicing physician, podcaster, and planning expert who honed her methods during residency and motherhood. Creator of Best Laid Plans Academy with over 100 graduates, she hosts the podcasts Best Laid Plans (solo on planning) and Best of Both Worlds (co-hosted with Laura Vanderkam on work-life fit). Her new book, Best Laid Plans: A Simple Planning System for Living a Life That You Love, offers modern tools for busy lives, balancing medicine, family, and fun.Connect with Dr. Sarah Hart-Unger:Book: Best Laid Plans (available mid-December at major retailers)Podcasts: Best Laid Plans; Best of Both WorldsWebsite: theshubox.com (for courses, blog, and more)About the Host:Dr. Bradley Block – Dr. Bradley Block is a board-certified otolaryngologist at ENT and Allergy Associates in Garden City, NY. He specializes in adult and pediatric ENT, with interests in sinusitis and obstructive sleep apnea. Dr. Block also hosts Succeed In Medicine podcast, focusing on personal and professional development for physiciansWant to be a guest?Email Brad at brad@physiciansguidetodoctoring.com  or visit www.physiciansguidetodoctoring.com to learn more!Socials:@physiciansguidetodoctoring on Facebook@physicianguidetodoctoring on YouTube@physiciansguide on Instagram and Twitter This medical podcast is your physician mentor to fill the gaps in your medical education. We cover physician soft skills, charting, interpersonal skills, doctor finance, doctor mental health, medical decisions, physician parenting, physician executive skills, navigating your doctor career, and medical professional development. This is critical CME for physicians, but without the credits (yet). A proud founding member of the Doctor Podcast Network!Visit www.physiciansguidetodoctoring.com to connect, dive deeper, and keep the conversation going. Let's grow! Disclaimer:This podcast is for informational purposes only and is not a substitute for professional medical, financial, or legal advice. Always consult a qualified professional for personalized guidance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if you could redefine your future without the pressure of traditional goal setting? Join me as I welcome Kathy Brown, who shares her unique Horizon Destination Planning Framework. Discover how to create a vision for your life that goes beyond mere accomplishments and learn how to set long-term goals that truly resonate with your everyday life, making goal setting feel fun and achievable. Resources and links mentioned in this episode can be found on the show notes page at http://www.staceybrownrandall.com/392

In this episode of the Catholic Money Show, Amanda and Jonathan discuss the concept of 'brain rot', exploring how excessive screen time affects our lives and mental health. They emphasize the importance of creating a battle plan for 2026 to avoid falling into the trap of mindless scrolling and unintentional time wastage. The conversation includes practical strategies for limiting phone usage, the benefits of media detoxes, and the introduction of their Big Catholic Planner and Calendar as tools for intentional living and planning for the new year.Moments of Note00:00 Introduction to the Battle Plan for 202600:19 Understanding Bed Rot and Brain Rot02:11 The Impact of Screens on Our Lives05:29 The Rise of Screen Usage and Its Effects06:25 Media Detox and Memory Improvement09:22 Experimenting with Phone Usage10:20 The Challenge of Limiting Phone Time13:24 Creating an Anti-Bed Rot Challenge14:54 Introducing the Big Catholic Planner and Calendar18:07 Planning for the New Year21:15 Final Thoughts and Call to Action

SummaryIn this episode of Money Mondays, Benjamin Lee discusses the concept of opportunity cost, emphasizing its importance for both children and adults. He explains how opportunity cost affects financial decisions and offers practical advice on managing money wisely. The conversation covers the significance of pausing before making purchases, the value of accountability partners, and the idea that money is meant to be spent wisely. Benjamin encourages listeners to consider future opportunities when making financial choices.TakeawaysOpportunity cost is a crucial concept in financial decision-making.It's important to teach children about opportunity cost.Adults also need to understand opportunity cost in their spending.Hitting the pause button can help in making better financial choices.Having an accountability partner can provide valuable perspective on spending.Money should be spent wisely, not hoarded.Consider future opportunities before making impulsive purchases.Planning and budgeting can prevent unnecessary debt.Understanding the value of money can lead to better financial habits.Financial literacy is essential for all ages.Chapters00:00 Introduction to Money Monday and Opportunity Cost03:16 Understanding Opportunity Cost in Financial DecisionsBooks, Blogs, and Podcast at https://benjaminlee.blogFor all my episodes visit https://icandopodcast.comBooks mentioned in EpisodeSmart Money Smart Kids by Dave Ramsey and Rachel Cruze

In this conversation, Eric Partin discusses the importance of a team-based model in real estate, focusing on how realtors can stand out in a crowded market by addressing capital gains issues for their clients. He shares real-life success stories, emphasizes the significance of building relationships with realtors, and highlights the need for effective communication. Eric's passion for helping realtors and their clients navigate financial challenges is evident throughout the discussion, showcasing strategies that lead to increased transactions and client satisfaction.   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   —--------------------

Seeing people seed starting in December can make it feel like you're already behind — especially if you live in a colder growing zone. In this episode, we're talking about what's actually worth planning for the garden this time of year, what can wait, and how to figure out your real planting timeline based on where you live (not what the internet is doing). If you're a new or intermediate gardener — or just need a gentle reminder to slow down — this episode will help you plan with confidence instead of stress.   In This Episode, We Talk About: Why December gardening content can feel confusing The difference between planning season and planting season Why seed starting in December isn't necessary for most cold climates How to find your exact garden zone and last frost date The seed-starting calculator I personally use every year What is worth doing for your garden in December How I batch seed-starting dates to make spring easier Reflecting on last year's garden successes and flops Choosing garden priorities that actually fit your life Why rest is an important part of the growing season Helpful Garden Planning Links Mentioned: Find Your Last Frost Date Use your ZIP code to find your exact last frost date: https://www.almanac.com/gardening/frostdates   Seed Starting Date Calculator (My Favorite) This is the most robust and easiest-to-use calculator I've found: https://www.johnnyseeds.com/growers-library/seed-planting-schedule-calculator.html     Garden Planner + Seed Organizing Binder Inserts If you like having everything organized in one place, I have both available in my Etsy shop: https://www.etsy.com/shop/HomesteadChallenge Join the Community: Come share your garden plans (or seed-starting photos!) inside our free Facebook community: https://www.facebook.com/groups/thehomesteadchallengecommunity    

Xcel has announced that it might have to shut off some power to residents across the state tomorrow due to high winds but BJ has a plan to make sure he never loses power! He's going to go live in the RV at the yard for the next couple of days.

Hey before I begin I just want to thank all of you who have joined the patreon, you guys are awesome. Please let me know what other figures, events or other things you want to hear about in the future and I will try to make it happen.   If you are a long time listener to the Pacific War week by week podcast over at KNG or viewer of my youtube channel you have probably heard me talk about Tomoyuki Yamashita, the Tiger of Malaya quite often. It goes without saying when it comes to Japanese generals of WW2 he stands out. Not just to me, from the offset of the war he made a large impression on westerners, he achieved incredible feats early on in the war. Now if you look up books about him, you will pretty much only find information in regards to his infamous war crimes trial. Hell it was so infamous the legal doctrine of hierarchical accountability for war crimes, whereby a commanding officer is legally responsible for war crimes and crimes against humanity committed by his subordinates, was created. This is known as the command responsibility or “the Yamashita standard”. His court case was very controversial, he remains a controversial figure, certainly to the people of territories he campaigned in, but I think what can be said of him the most is he was special amongst the Japanese generals. Anyways lets get the show on the road as they say.   So who was Yamashita? When he was 59 years old commanding forces in the Philippines against General Douglas MacArthur, he weighed 220 ls and stood 5 feet 9 inches. His girth pressed out against his green army uniform. He had an egg shaped head, balding, wide spaced eyes and a flat nose. He wore a short mustache, sort of like Hitlers, until it grayed then he shaved it off. He was not a very attractive man, Filipinos referred to him as “old potato face” while Americans called him “a florid, pig faced man”.   Tomobumi Yamashita was born in 1885, he was the second son of Dr. Sakichi Yamashita and Yuu Yamashita in Osugi village, on Shikoku island. Like most males of his day he was indoctrinated into military preparatory school from a young age. Yamashita had no chosen the army as a career, in his words ‘my father suggested the idea, because I was big and healthy, and my mother did not seriously object because she believed, bless her soul, that I would never pass the highly competitive entrance examination. If I had only been cleverer or had worked harder, I would have been a doctor like my brother”Yamashita would graduate from the 18th class of the IJA academy in november of 1905, ranked 16th out of 920 cadets.    In 1908 he was promoted to the rank of Lt and during WW1 he fought against Imperial German and Austro-Hungarian forces in the famous siege of Qingdao, which if you are interested I did an episode over on my Youtube channel about this battle. Its a very overlooked battle, but many histories firsts occurred at it like the first carrier attack. In 1916 he was promoted to captain and attended the 28th class of the Army War college to graduate sixth in his class that year. He also married Hisako Nagayama in 1916, she was the daughter of the retired General Nagayama.    It seems Yamashita's brush against the Germans in 1914 had a huge influence on him, because he became fascinated with Germany and would serve as assistant military attache at Bern and Berlin from 1919-1922. He spent his time in Germany alongside Captain Hideki Tojo, both men would run into each other countless times and become bitter rivals. Both men toured the western front, visiting Hamburg and witnessed first hand the crippling inflation and food prices that came from Germany's defeat. Yamashita said to Tojo then “If Japan ever has to fight any nation, she must never surrender and get herself in a state like this.” He returned to Japan in 1922, was promoted to major and served a few different posts in the Imperial Headquarters and Staff College. Yamashita became a leading member of the Kodoha faction, while Tojo became a leading member of the rival Toseiha faction. In 1927 Yamashita was sent again to Europe, this time to Vienna as a military attache. Just prior to departing he had invested in a business selling thermometers starting by one of his wife's relatives, the business failed horribly and Yamashita was tossed into debt, bailiffs literally came to seize his house. As told to us by his biographer “For a regular officer to have contracted such a debt, however innocently, was a disgrace. He felt he should resign his commission.” Yamashita's brother refused to allow him to quit, instructing him to leave for Vienna, while he resolved his debts. His days in Vienna were the best of his life, professed Yamashita. He studied economics at Vienna university and made friends with a Japanese widow, who introduced him to a German woman named Kitty and they had an affair. This would spring forward his reputation as an eccentric officer. Yamashita was obsessed over hygiene,and refused to eat fruit unless it was thoroughly washed. He avoided ice water, hated dancing and never learnt how to drive a car. One of his most notable quirks was his habit of falling asleep often during meetings where he legendarily would snore. Like I may have said in previous podcast and youtube episodes, this guy was quite a character, often described as a big bear.    Now this is not a full biography on Yamashita so I cant devolve to far into things, such as his first fall from grace. During the February 26th coup incident of 1936, Yamashita was a leading member of the Kodoha faction and helped mediate a peaceful end to the standoff, however in truth he was backing the coup. He simply managed to not get caught red handed at the time doing too much for the mutineers, regardless he lost favor with the outraged Emperor and many young captains whom he loved like sons killed themselves in disgrace. If you want to know more about the February coup of 1936, check out my series on Emperor Hirohito or General Ishawara, they both talk about it in depth and touch upon Yamashita's role a bit.    The coup led to the dissolvement of the Kodoha faction and the dominance of the Toseiha, led by Tojo. Yamashita tried to resign from the IJA, but his superiors dissuade him. He was relegated to a post in Korea, which honestly was a punishment. Yamashita would say “When I was posted to Korea, I felt I had been given a tactful promotion but that in fact my career was over. Even when I was given my first fighting company in North China, I still felt I had no future in the Army, so I was always on the front line, where the bullets flew the thickest. I sought only a place to die.”  He had some time to reflect upon his conduct while in Korea, he began to study Zen Buddhism. He was promoted to Lt General in November of 1937 and when the China war broke out he was one of those speaking out that the incident needed to end swiftly and that peaceful relations must be made with the UK and US. He received a unimportant post in the Kwantung army and in 1938 was assigned command of the IJA 4th division. He led the forces during in northern china against insurgents until he returned to Tokyo in July of 1940. His fellow officers lauded him as Japan's finest general. Meanwhile Tojo had ascended to war minister and one of his first moves was to send a delegation to Germany. Tojo considered Yamashita a ruthless and forceful commander and feared he would become a powerful rival against him one day. Yamashita would go on the record to say then “I have nothing against Tojo, but he apparently has something against me.” You see, Yamashita had no political ambitions, unlike Tojo who was by nature a political monster. “My life, is that of a soldier; I do not seek any other life unless our Emperor calls me.” In late 1940, Tojo asked Yamashita to lead a team of 40 experts on a 6 month train tour of Germany and Italy, a move that kept him out of Tokyo, because Tojo was trying to solidify his political ambitions. This is going to become a looming theme between the two men.   He was presented to Adolf Hitler in January of 1941, passing along messages from Tojo and publicly praising the Fuhrer, though privately he was very unimpressed by the man  “He may be a great orator on a platform, with his gestures and flamboyant way of speaking. But standing behind his desk listening he seems much more like a clerk.” Hitler pressed upon him to push Japan to declare war on Britain and the US. At the time of course Japan was facing China and had two major conflicts with the USSR, thus this was absolutely not in her interest. “My country is still fighting in China, and we must finish that war as soon as possible. We are also afraid that Russia may attack us in Manchuria. This is no time for us to declare war on other countries.” Yamashita hoped to inspect Germany's military techniques and technology to help Japan. Hitler promised open exchanges of information stating “All our secrets are open to you,”, but this would prove to be a lie. “There were several pieces of equipment the Germans did not want us to see. Whenever I tried to persuade the German General Staff to show us things like radar—about which we had a rudimentary knowledge—the conversation always turned to something else.”   Yamashita met with field Marshal Hermann Goring who gave him an overview of the war in europe. Goring would complain about Yamashita falling asleep during lectures and meetings and he believed the man was drunk often. Yamashita met Benito Mussolini in June of 1941 receiving a similar rundown to what he got in Germany. Yamashita visited Kitty in Vienna for a quick fling, but overall the trip deeply impacted Yamashita's resolve that Japan should stay out of the Europeans war and that Germany made a grievous error invading the USSR in June of 1941. This is what he said the members of the commission “You know the results of our inspection as well as I do. I must ask you not to express opinion in favor of expanding the alliance between Japan, Germany and Italy. Never suggest in your report that Japan should declare war on Great Britain and the United States. We must not and cannot rely upon the power of other nations. Japan needs more time, particularly as there may be aggression against us from Russia. We must have time to rebuild our defense system and adjust the whole Japanese war machine. I cannot repeat this to you often enough.” His report was similar, and it really pissed off Tojo who was trying to develop plans for a war against America. Yamashita would then get exiled to Manchuria in July of 1941, but Tojo's resentment towards him could only go so far, because Yamashita was one of their best generals and in his planned war against Britain and America, he would need such a man.   Yamashita's time in Europe reshaped his views on how to conduct war. He saw first hand blitzkrieg warfare, it seems it fascinated him. He consistently urged the implementation of new proposals calling for the streamlining of air arms; to mechanize the Army; to integrate control of the armed forces in a defense ministry coordinated by a chairman of Joint Chiefs of staff; to create a paratroop corps and to employ effective propaganda. Basically he saw what was working for the Germans against the allies and wanted Japan to replicate it. Tojo did not like many of the proposal, hated the fact they were coming from Yamashita, so he obviously was not keen on making them happen. Luckily for Yamashita he would be given a chance to implement some of his ideas in a big way.   On November 6th of 1941, Lt General Yamashita was appointed commander of the 25th Japanese army. His orders were to seize the Malay Peninsula and then the British naval base at Singapore. The Malaya Peninsula snakes 700 miles south of Thailand, a rugged sliver of land that constricts at its narrowest point to about 60 miles wide. It hold mountains that split the peninsula in half, some going as high as 7000 feet. During this time Malaya produced around 40% of the worlds rubber, 60% of its tin, two resources vital for war. At its very southern tip lies Singapore, a diamond shaped island connected to the mainland by a 1115 stone causeway. Singapore's largest asset was its naval base guarding the passage from the Pacific and Indian oceans. Together Malay and Singapore represented the key to controlling what Japan called the Southern Resource Area.   Singapore was known as the gibraltar of the east for good reason. It was a massively fortified naval base. The base had been developed between 1923-1938 and cost 60 million pounds, around 2 billion pounds today. It was 21 square miles, had the largest dry dock in the world, the 3rd largest floating dock and enough fuel tanks to support the entire royal navy for 6 months. She was defended by 15 inch naval guns stationed at the Johre battery, Changi and Buona vista battery. And despite the infamous myth some of you may have heard, these guns were fully capable of turning in all directions including the mainland. For those unaware a myth perpetuated after the fall of Singapore that her large 15 inch guns could not turn to the mainland and that this spelt her doom, no it was not that, it was the fact they mostly had armor piercing shells which are using to hit ships and not land targets. Basically if you fire an armor piercing shell at land it imbeds itself then explodes, while HE shells would have torn any Japanese army to pieces. Alongside the 15 inch monsters, there were countless other artillery pieces such as 9.2 inch guns. By December of 1941 Malaya and Singapore held 164 first line aircraft out of a total of 253 aircraft, but many of the fighters were the obsolete Brewster F2A Buffalo, a pretty slow, fat little beast that could take a licking as it was armored, but against the Zero fighter it was unbelievably outmatched in speed and maneuverability.    The Japanese acquired a major gift prior to the outbreak of war. On november 11th, 1940, the SS Automedon, a German raider attacked the HMS Atlantis which was carrying documents intended for the British far east command. The documents indicated the British fleet was not going to help Singapore; that Britain would not declare war if Thailand was invaded and that Hong Kong was expendable. The Germans gave the documents to the Japanese who were very excited by the information.    Starting in January of 1941, Colonel Masanobu Tsuji led the Taiwan Army Research section based on Formosa to investigate how a campaign could be waged in Malay and Singapore. His findings on the defenses of Malay and Singapore were summed up in these 3 points: 1. Singapore Fortress was solid and strong facing the sea, but vulnerable on the peninsular side facing the Johore Strait;  Newspaper reports of a strong Royal Air Force (RAF) presence were propaganda;  Although British forces in Malaya numbered from five to six divisions (well over 80,000 men), less than half were Europeans.    Now just a little bit about Tsuji as he was to become the chief of staff operations and planning under Yamashita. Tsuji was extremely insubordinate and a political schemer. He was a Toseiha faction fanatic, loyal to Tojo and thus definitely an enemy to Yamashita. Yamashita wrote of Tsuji in his war diary “is egotistical and wily. He is a sly dog and unworthy to serve the country. He is a manipulator to be carefully watched.” Tsuji would go on to have a infamous reputation for ordering atrocities in the name of his superiors, often without them knowing and this would be very much the case under Yamashita. Now using Tsuji's intelligence Yamashita began plans at his HQ at Samah, a port on Hainan island, starting in November of 1941 on how to launch the campaign. He was initially offered 5 divisions for the invasion, but he felt he could accomplish the objective with only three. There are a few reasons why he believed this; first, Tsuji's research suggested the peninsula roads would be the center of the battlefront and that the flanks would extend no more than a km or so to the left or right due to the dense jungle terrain (in fact Yamashita was planning to assault from the jungle specifically); 2nd intelligence indicated the defending troops were not of the highest caliber (the British were busy in Europe thus many of the troops in southeast asia were poorly trained, half were british regulars the rest were Australian, Indian and Malayan); 3rd Yamashita was aware “the Japanese army were in the habit of flinging more troops into the battle than could possibly be maintained” boy oh boy tell that one to the future boys on Guadalcanal. Thus he calculated 3 divisions was the maximum to be fed, equipped and supplied. Based on his recommendations the 25th army was created with 3 divisions; the 5th under Lt General Takuma Matsui; 18th under Lt General Renya Mutaguchi and the Imperial guards division of Lt General Takuma Nishimura. Supporting these would be two regiment of heavy field artillery and the 3rd tank brigade. Something that made Yamashita's campaign quite interesting was the usage and amount of tanks. He was invading with around 200 or so tanks consisting of the Type 95 Ha-Go light tank, type 97 Chi-Ha and Type 89 I-Go medium tanks and Type 97 Te-Ke tankettes. For aircraft he had the 3rd Air division, 459 aircraft strong with an additional 159 aircraft from the IJN to support them. The 3rd air division had a variety of aircraft such as Nakajima Ki-27 Nate's, Nakajima ki-43 Oscars, Kitsubishi ki-51 Sonia's, Kawasaki ki-48 Lily's, Mitsubishi ki-21 sally's, Mitsubishi ki-30 Ann's, Mitsubishi ki-15 babs and Mitsubishi ki-46 dinahs. For the IJN it was the 22nd air flotilla using Mitsubishi G3M1 Nell's, Mitsubishi A5M4 Claudes and some A6M Zeros. To say it was a lot of firepower at his disposal is an understatement, Yamashita was packing heat, heat he could use in a blitzkrieg fashion.   His staff at Samah identified 5 operational objectives: 1 Simultaneous capture of Singora and Patani, Thailand and Kota Bharu, Malaya.  2 Capture of all enemy airfields in southern Thailand and Malaya.  3 Occupation of Kuala Lumpur, Malaya.  4 Occupation of Johore Bahru, and control of Johore Strait.  5 Conquest of Singapore.    Colonel Tsuji, appointed Chief of Operations and Planning for the 25th Army, proposed the following plan which was readily approved:  Land the main strength of the 5th Division simultaneously and without warning at Singora and Patani, and at the same time land a powerful section of the 18th Division to attack Kota Bharu.  The troops disembarked at Singora and Patani to press forward immediately to attack the line of the Perak River Hand capture its bridge and the Alor Star aerodrome.  The troops landed at Kota Bharu to press forward along the eastern coast as far as Kuantan.    The landing at Kota Bharu, the only one in Malaya was expected to be opposed and quite risky. But if it was successful, it would create a useful diversion away from the main force landings in Thailand.   The landings took place around 2:15am local time on December 8th, about an hour and 20 minutes before the attack on Pearl Harbor. The landings went largely unopposed, except at Kota Bahru where the Japanese saw heavy resistance. The British had anticipated this landing point and created operation Matador, a plan to pre-emptively invade southern thailand to secure defensive lines against the Japanese, however this plan was never accepted by British high command for obvious political reasons. But on December 5th, with a Japanese invasion looking certain, suddenly London gave permission to the Far east commanders to decide if Operation matador should be activated or not. The commander in Malaya, General Arthur Percival recommended forestalling it, fearing to violate Thai sovereignty, which ultimately would be the doom of a defense for Malaya.   At the battle of Kota Bharu, the 9th infantry division of Major General Barstow attempted holding off the Japanese from taking the important Kota Bharu airfield. The 8th brigade of Billy Key had fortified the beaches with pillboxes, barbed wire and land mines. The Japanese took heavy losses, but they were able to find gaps and fill them up until Brigadier Key had to ask permission to pull out. The royal air force at Kota Bharu tossed Hudson bombers to hit the troop transports, but it was a suicide mission to do so. Meanwhile the IJA 5th division landed at Pattani and Songkhla in Thailand while the Imperial guards division marched over the border from French Indochina. The Japanese encountered very little resistance, the leader of Thailand Plaek Pibulsonggram had been trying to get assurances from the allies and Japanese all the way up until the invasion, once the Japanese landed he knew his best option was to play nice and sign an armistice. This basically spelt doom for malaya as the Japanese were given access to Thailand's airfields which they used to smash the forward airfields in Malaya.   The first day of aerial encounters were a catastrophe for the British. General Percival would comment “The rapidity with which the Japanese got their air attacks going against our aerodromes was quite remarkable. Practically all the aerodromes in Kelantan, Kedah, Province Wellesley, and Penang, were attacked, and in most cases fighters escorted the bombers. The performance of Japanese aircraft of all types, and the accuracy of their bombing, came as an unpleasant surprise. By the evening our own air force had already been seriously weakened.” Brigadier Key withdrew after causing an estimated 800 casualties upon the Japanese while taking roughly 465. While Kota Bharu was being fought over, Percival unleashed Operation Krohcol, a 2.0 of Matador seeing British forces cross into Thailand to intercept the incoming enemy. It was an absolute disaster, the British attackers were defeated not only by the Japanese 5th division, but some Royal Thai police also defended their territory. The operation had basically become a race to who could seize the important focal point first and the Japanese took it first thus winning decisively. To add to that misery, force Z, consisting of the battleship HMS Prince of Wales,, battlecruiser Repulse and 4 destroyers tried to intercept the Japanese invasion fleet only to be utterly destroyed by overwhelming Japanese airforces.   Within 4 days of the landings, the 5th division advanced from Singora through the town of Jitra to capture the RAF airfield at Alor star, around 100 miles away. Yamashita managed this using flanking techniques that saw his army take town after town and airfield after airfield. There were numerous natural obstacles to the advance such as dense jungles, very long supply lines, torrential rain and heat, but he had a secret weapon, bicycles. At Jitra Percival made his first major stand. Holding Jitra would safeguard the northern airfields of Malaya, but it was a folly to do so as the airfields in question were not provided adequate aircraft and the British lacked something extremely important to be able to defend themselves, tanks. Colonel Tsuji saw the fighting at Jitra first hand and reported “Our tanks were ready on the road, and the twenty or so enemy armored cars ahead were literally trampled underfoot … The enemy armored cars could not escape by running away, and were sandwiched between our medium tanks … It was speed and weight of armor that decided the issue.” The British had spread themselves far too thinly across a 14 mile front with jungle on their right flank and rubber plantations and mangrove swamps to their left. Yamashita used a innovative blitzkrieg like tactic, he combined his air, artillery, tanks and bicycle infantry to punch holes in concentrated attacks forcing allied defenders to withdraw. As Percival would write later in his memoirs “This withdrawal would have been difficult under the most favorable conditions. With the troops tired, units mixed as the result of the fighting, communications broken and the night dark, it was inevitable that orders should be delayed and that in some cases they should never reach the addressees. This is what in fact occurred … the withdrawal, necessary as it may have been, was too fast and too complicated for disorganized and exhausted troops, whose disorganization and exhaustion it only increased”    Yamashita had ingeniously thought of employing large numbers of bicycles for his infantry so they could keep up momentum and speed with his mechanized forces. Oh and he didn't bring thousands of bicycles over to Malaya, the real genius was that they were there ready for him. His intelligence prior to the invasion indicated nearly all civilians in malaya had bicycles, so when the Japanese came over they simply stole them. Half of Yamashitas troops moved in motor vehicles while the rest road on 18,000 bicycles. As noted by Tsuji “With the infantry on bicycles, there was no traffic congestion or delay. Wherever bridges were destroyed the infantry continued their advance, wading across the rivers carrying their bicycles on their shoulders, or crossing on log bridges held up on the shoulders of engineers standing in the stream.” They Japanese overwhelmed the defenders who were forced to fight, flee into the jungles or flee along the roads where they were simply outsped by the faster Japanese. The defenders left numerous stores of food, abandoned vehicles, and supplies that Yamashita's men would dub “churchill's allowance”. British Lt Colonel Spencer Chapmanwas forced to hide on the sides of roads watching Japanese pedal past remarking “The majority were on bicycles in parties of forty or fifty, riding three or four abreast and talking and laughing just as if they were going to a football match.” The Japanese had the ability to carry their gear on the bicycles, giving them an enormous advantage over the allies fleeing on foot. The Japanese could travel faster, further and less fatigued. When the British destroyed 250 bridges during their flight, “the Japanese infantry (to continue) their advance, wading across the rivers carrying their bicycles on their shoulders, or crossing on log bridges held up on the shoulders of engineers standing in the stream”. The British could not escape the bicycle blitzkrieg as it became known, countless were forced to surrender under constant pressure and relentless pursuit.    Alongside the bicycle warfare, whenever Yamashita faced terrain unsuitable for his tanks, he ordered amphibious landings further south to outflank the enemy's  rear.   Meanwhile the war in the air went equally terrible for the allies. The RAF had pulled back its best pilots and aircraft to deal with the war for Britain against the Luftwaffe. 21 airfields were in Malaya and Singapore, few of them had modern facilities, only 15 concrete runways. The heavy rain made the grass airstrips unusable. All the airfields were allocated around 8 heavy and 8 light anti aircraft guns. Quality radar units were completely inadequate. The Super Spitfires and Hyper Hurricanes were mostly in Britain fighting the Germans, while Buffaloes were allocated to Malaya. The Japanese airforces easily overcame the allied opposition and established air superiority quickly. Launching from airfields in Vietnam, they bombed all the airfields into submission and continuously applied pressure to Singapore. . The aerial dominance of the Zero and ‘Oscar' fighters served to undermine the morale of the British infantryman on the ground. As historian H. P. Wilmot has observed, “in the opening phase of the war the Zero-sen was just what the Japanese needed, and the Allies were devastated by the appearance of a ‘super fighter.' To add insult to injury, every airfield taken starting at the most northern going further and further south towards Singapore offered the Japanese new launching points to make for faster attack.   Yamashita's forces reached the southern tip of the peninsula in just 8 weeks, his men had covered some 700 miles, about 12 miles a day on average. They fought 95 large and smaller battles doing so. Multiple lines of defense were erected one after another to try and halt the Japanese advance, to kill their momentum. Starting at the beach landings, to Jitra, then to Kampar, over the Slim river, then Johor. The British failed to employ “leave behind forces” to provide guerilla warfare in lost territories leading not only the Japanese to easily consolidate their gains, the Thai's also came down and grabbed some territory. At the battle of Muar Major General Gordon Bennet deployed the allied defenders south of the Muar River and it was widely believed here they would finally halt the Japanese. Then the Imperial Guards division outflanked them performing an amphibious landing and advancing down the coastal route. The 5th Japanese division followed a parallel route through the center and the 18th division landed near Endau. The allies were thus surrounded and took heavy casualties, countless were forced to flee through swamps and thick jungle abandoned their stuff. Gordons 45th brigade were absolutely shattered, effectively disbanded and left north of the Muar river as the rest of the allies fled south. The defeat at Muar broke the British belief they could hold even a toehold on Malay. Percivals strategy to fight delaying actions until the arrival of reinforcements to Singapore had fatally undermined his troops ability to hold onto defensive positions. As the British governor of the Johore straits settlement, Sir Shenton Thomas would say on January 6th ‘“We … have gone in for mechanized transport to the nth degree. It is a fearsomely cumbersome method. We have pinned our faith to the few roads but the enemy used tracks and paths, and gets round to our rear very much as he likes.”” Yet alongside the conquest came a series of atrocities.    At the Parit Sulong Bridge south of the Muar, Captain Rewi Snelling was left behind with 150 wounded Australian and Indian soldiers not able to trek south. The Imperial guards division herded them into buildings, denied them medical treatment, many of the Indians were beheaded, others shot. This become known as the parit sulong massacre. Its hard to saw what Yamashita would have known about this incident, it technically was under the command of Takuma nishimura. On January 22nd, Nishimura gave the orders for prisoners to be forced outside, doused with petrol and set on fire. Nishimura would be sentenced to life in prison by a Singapore court, but on a flight back to Japan he was hijacked by Australian military police in Hong Kong who grabbed him and held a trial for the Parit Sulong massacre, finding him guilty and hanging him on june 11th of 1951.    When the Japanese reached the straits of Johore, Yamashita took several days to perform reconnaissance, allowing his forces to regroup and prepare to attack the massive fortress. His plan for the invasion would see the Imperial guards perform a feint attack on the northeast side of Singapore, landing on the nearby Palau Ubin island on february 7th. The 5th and 18th division would remain concealed in the jungle until the night of the night of the 8th when they would cross the Johore and hit the northwest side of Singapore. The causeway to Singapore had been blown up by the retreating British, but the ability for Singapore to defend itself from a northern attack was lackluster. When Churchill was told by Wavell the Japanese sat on the other side of the Johore strait ready to attack the fortress he said ““I must confess to being staggered by Wavell's telegram. It never occurred to me for a moment that … Singapore … was not entirely fortified against an attack from the Northwards …””   With barely enough supplies or logistical support for his campaign, Yamashita's rapid advance down the Malay peninsula walked a tightrope of what was possible. His 70,000 men of which 30,000 were frontline troops had overcome a British force double their number. In Japan he garnered the epithet “Tiger of Malaya”, which ironically he was not too happy about. Later on in the war he would bark at a German attache “I am not a tiger. The tiger attacks its prey in stealth but I attack the enemy in a fair play”.   By this point Singapore had swollen from a population of 550,000to nearly a million. Percival had a total of 70,000 infantry of mixed experience plus 15,000 clerks and support staff to man lines if necessary. 38 battalions, 17 Indian, 13 British, 6 Australian and 2 Malayan. He placed his weakest troops west of the causeway, near the abandoned naval base rather than nearby the airfield which he considered was going to be Yamashita's thrust. He placed his best forces over there, which would prove fatally wrong as Yamashita hit west of the causeway. Yamashita meanwhile could only muster 30,000 troops, he was outnumbered 2:1 and amphibious assaults called for the attacker to hold a 2:1 advantage for success. Yamashita's men were exhausted, they had suffered 4565 casualties, roughly 1793 deaths in their 55 day advance south. Worse yet, Yamashita had a critical supply issue. He had greatly exceeded his supply lines and had been surviving on the abandoned churchill stores along the way. His ammunition was critical low, it is said he was down to 18 functional tanks, allowing his men to fire 100 rounds per day, the fuel ran out, and as Yamashita put it “My attack on Singapore was a bluff—a bluff that worked. I had 30,000 men and was outnumbered more than three to one. I knew that if I had to fight for long for Singapore, I would be beaten. That is why the surrender had to be at once. I was very frightened all the time that the British would discover our numerical weakness and lack of supplies and force me into disastrous street fighting.” He told his men of the 5th and 18th division not to build any cooking fires so they could conceal their positions in the jungle as he gathered hundreds of collapsible boats and other crafts to ford the strait. He gathered 40 divisional commanders and senior officers to a rubber plantation and with a flushed red face read out his attack orders while pouring them Kikumasamune (ceremonial wine). He made a traditional toast and said “It is a good place to die; surely we shall conquer”. He had to get the British to surrender quickly, he had to essentially ‘bluff” his enemy. He had to make the British think he was fully armed and supplied for a prolonged siege, how could he do so? He fired his artillery like a mad man, knowing full well they would run out of shells.   Starting on February 3rd,  Yamashita's artillery supported by aerial bombings hit Singapore for 5 days. On the night of the 7th, 400 Imperial Guards crossed to the Ibin island performing their feint attack. Percivals attention was grabbed to the east successfully, while on the night of the 8th the 5th and 18th divisions assembled carefully at the water's edge. At 8:30pm the first wave of 4000 Japanese troops crossed the Johore strait aboard 150 small vessels. The noise of their engines was drowned out by artillery. The thinly spread Australian lines, 3000 or so men led by Major General Bennet were breached fast leading to pockets of surrounded australian troops. As Lewis Gunner cliff olsen recalled “We were horribly spread out and it was pitch black and they [Japanese troops] were very hard to see. They walked through us half the time.” A beachhead was formed, a soon 14,000 Japanese had crossed by dawn.    Communications broke down for the allies, Percival unwilling to believe the Japanese's main thrust was in the west declined to send reinforcements there. When he did finally realize the main thrust was in the west he began to withdraw troops from quiet sectors and built up a reserve. The Japanese held air supremacy and their artillery was fierce. The big 15 inch guns of singapore held mostly armor piercing shells designed to hit ships, there were few HE shells available. When they fired upon the Japanese the shells would hit the ground they would embed deeply before exploding doing little damage. The defenders had no tanks, basically no more aircraft. The last departing ships fled the scene as everything was burning chaos around them. Morale was breaking for the defenders. By the 9th, Japanese bombers were raining bombs on allied positions unopposed. Bennet was forced to pull men back to a new line of defense from the east of the Tengah airfield to the north of Jurong. Poor communications hampered the northern sector of Brigadier Duncan Maxwell whose troops actually battered the hell out of the Imperial Guards who had landed at 10pm on the 9th. The Imperial guards gradually managed a foothold on a beach, but Maxwell feared encirclement and withdrew his men against direct orders of Bennet. The retreat opened up the flank of the 11th indian division who were overrun. All of the beaches west of the causeway fell to the enemy, when they did Yamashita brought over his tanks to smash the new Jurong line. The Japanese could have potentially stormed the city center at this point, but they held back, because in reality, Percival had created a formidable reserve in the middle. The Australian 22nd brigade took the brunt of the fighting.    Yamashita was running out of reserves and his attacks were reaching their limit, but he needed the battle to end swiftly. Yamashita was shocked and shaken when he received a report that the British troop strength within the city was twice what they believed. With covert desperation, Yamashita ordered his artillery to fire until their last rounds and sent Percival a demand for surrender. “In the spirit of chivalry we have the honour of advising your surrender. Your army, founded on the traditional spirit of Great Britain, is defending Singapore, which is completely isolated, and raising the fame of Great Britain by the ut¬ most exertions and heroic feelings. . . . From now on resistance is futile and merely increases the danger to the million civilian inhabitants without good reason, exposing them to infliction of pain by fire and sword. But the development of the general war situation has already sealed the fate of Singapore, and the continuation of futile resistance would only serve to inflict direct harm and in¬ juries to thousands of non-combatants living in the city, throwing them into further miseries and horrors of war. Furthermore we do not feel you will in¬ crease the fame of the British Army by further resistance.”   Singapore had received another order prior to this from Churchill “It is certain that our troops on Singapore Island greatly outnumber any Japanese that have crossed the Straits. We must defeat them. Our whole fighting reputation is at stake and the honour of the British Empire. The Americans have held out on the Bataan Peninsula against far greater odds, the Russians are turning back the picked strength of the Germans, the Chinese with almost complete lack of mod¬ ern equipment have held the Japanese for AVi years. It will be disgraceful if we yield our boasted fortress of Singapore to inferior enemy forces. There must be no thought ofsparing troops or the civil population and no mercy must be shown to weakness in any shape or form. Commanders and senior officers must lead their troops and if necessary die with them. There must be no question or thought of surrender. Every unit must fight it out to the end and in close contact with the enemy. ... I look to you and your men to fight to the end to prove that the fighting spirit that won our Empire still exists to enable us to defend it.”   What was Percival to do? The Japanese had seized control over Singapore water reservoirs, the population would die of thirst within 2-3 days. Japanese shells were causing fires and death everywhere. People were panicking, trying to get on the very last boats leaving the port, even though that surely meant death to the IJN. An American sailor recalled “There was a lot of chaos and people killed on the docks during these bombardments. Everywhere you looked there was death. Even in the water there were dead sharks and people floating all around.” Defeatism was endemic. Australian troops were overheard saying “Chum, to hell with Malaya and Singapore. Navy let us down, air force let us down. If the bungs [natives] won't fight for their bloody country, why pick on me?” Sensing a complete collapse Percival formed a tight defense arc in front of the city, and by the 13th his commanders were telling him they believed Singapore was already doomed. Wavell was asked for approval for surrender, but he replied  “to continue to inflict maximum damage on enemy for as long as possible by house-to-house fighting if necessary.” Percival then told him the water reservoirs were taken, so Wavell sent back “YOUR GALLANT STAND IS SERVING A PURPOSE AND MUST BE CONTINUED TO THE LIMIT OF ENDURANCE”   On the 15th, Percival held a morning conference reported there was no more fuel, field gun nor bofor ammunition. In 24 hours their water would be done. He told them he would ask for a ceasefire at 4pm, by the end of the day Wavell gave him permission to surrender. Over at his HQ on the Bukit Timah heights, Yamashita was staring at a Union Jack fluttering over Fort Canning. Then a field phone rang, and a frontline commander reported the British were sending out a flag of truce.   Meanwhile back on February the 14th, Japanese forces reached the Alexandra Barracks hospital at 1pm. At 1:40pm a British Lt greeting them waving a white flag and was bayoneted on the spot. The Japanese stormed the hospital and murdered the staff and patients. 200 male staff and patients, badly wounded were bound over night and marched to an industrial estate half a mile away. Anyone who collapsed was bayoneted. The survivors of the march were formed into small groups and hacked to death or bayoneted. For a few days over 320 men and women were massacred. Only 5 survivors would give recounts of the event. It is suspected by historians that Tsuji was the architect of the Alexandra hospital massacre. This is because he was the instigator of countless atrocities he ordered unbeknownst to his superior commanders such as Yamashita.    Percival was ordered to go to the Ford motor factory to where he met with Yamashita. Yamashita was hiding his surprise that the surrender party came and as he glanced at the surrender terms he said through his interpreter “The Japanese Army will consider nothing but surrender,” Yamashita knew his forces were on the verge of running out of ammunition and he still held half troops Percival did, he was anxious Percival would figure it out. Percival replied “I fear that we shall not be able to submit our final reply before ten-thirty p.m.,” Percival had no intention of fighting on he simply wanted to work out specific details before signing the surrender. Yamashita was sure Percival was stalling. “Reply to us only whether our terms are acceptable or not. Things must be settled swiftly. We are prepared to resume firing.Unless you do surrender, we will have to carry out our night attack as scheduled.”” Percival replied ““Cannot the Japanese Army remain in its present position? We can resume negotiations again tomorrow at five-thirty A.M”. Yamashita screamed “Nani! I want the hostilities to cease tonight and I want to remind you there can be no arguments.” Percival replied ““We shall discontinue firing by eight-thirty p.m. Had we better remain in our present positions tonight?” Yamashita said yes and that firing would cease at 8:30pm and that 1000 allied men could keep arms to maintain order within the city. Yamashita stated “You have agreed to the terms but you have not yet made yourself clear as to whether you agree to surrender or not.” Percival cleared his throat and gave a simple nod. Yamashita looked at his interpreter “There's no need for all this talk. It is a simple question and I want a simple answer.” He turned to Percival and shouted, “We want to hear ‘Yes' or ‘No' from you! Surrender or fight!” Percival finally blurted out  “Yes, I agree. I have a request to make. Will the Imperial Army protect the women and children and British civilians?”Yamashita replied  “We shall see to it. Please sign this truce agreement”. At 7:50 the surrender was signed off, 40 minutes later Singapore was in the hands of the Japanese. In 70 days Yamashita took at the cost of 9824 casualties, had seized Malaya and Singapore, nearly 120,000 British surrendered. It was the greatest land victory in Japanese history.   Churchill called the fall of Singapore to the Japanese "the worst disaster and largest capitulation in British history" Churchills physician Lord Moran wrote The fall of Singapore on February 15 stupefied the Prime Minister. How came 100,000 men (half of them of our own race) to hold up their hands to inferior numbers of Japanese? Though his mind had been gradually prepared for its fall, the surrender of the fortress stunned him. He felt it was a disgrace. It left a scar on his mind. One evening, months later, when he was sitting in his bathroom enveloped in a towel, he stopped drying himself and gloomily surveyed the floor: 'I cannot get over Singapore', he said sadly   With the fall of singapore came another atrocity, the Sook Ching massacre. After February 18th, the Japanese military began mass killings of what they deemed undesirables, mostly ethnic Chinese. It was overseen by the Kempeitai and did not stop in Singapore, but spread to Malaya. It seems the aim of the purge was to intimidate the Chinese community from performing any resistance. According to postwar testimony taken from a war correspondent embedded with the 25th army, Colonel Hishakari Takafumi, he stated an order went out to kill 50,000 Chinese, of which 20 percent of the total was issued by senior officials on Yamashita's operations staff, most likely Tsuji. It is certain at the behest of Tsuji the orders were extended to Malay. The death toll is a tricky one, the Japanese went on the record to admit to 6000 murders, the Singaporean Chinese community and the Prime Minister Lee Kuan Yew allege 70,000-100,000. Historians analyzing the scale of discovered mass graves after some decades think around 25,000-50,000. How much Yamashita knew of the massacre is debatable, the orders came from his office after all, but it seems Tsuji had orchestrated it. Many of Japan's generals wanted Yamashita to be appointed war minister, a move that obviously threatened then Prime Minister Hideki Tojo, who feared his rival. Tojo retaliated, ordering Japan's new war hero back to Manchuria. On the surface, the assignment appeared worthy as Yamashita would serve as the first line of defense against a possible Soviet invasion. But since the two nations had signed a neutrality pact in April 1941, and Soviets were bogged down fighting the Germans, immediate war appeared unlikely. In reality, Tojo had parked Yamashita on the war's sidelines. Tojo went even further, he barred Yamashita any leave in Tokyo, preventing him from visiting his wife as well as from delivering a speech he had written for the emperor. No worries though, an aide of Yamashita's sent him three geishas. Allegedly he said this “I know they want to please me with these girls. But send them back—and don't forget to tip them.” The Tiger of Malaya would maintain a low profile in Manchuria where he received a promotion to full General. As months fell to years Yamashita sat on the sidelines helpless to aid the Japanese forces. His exile would come to an end in 1944 when Tojo was outed and the Tiger was required to try and save the Philippines from General Douglas MacArthur.

In this engaging conversation, Hadi Mendez shares her journey as the author of 'Calladita No More,' discussing her upbringing, experiences with money, and the motivation behind her book. She emphasizes the importance of confidence, self-advocacy, and planning for career growth, particularly for women in the workplace. Hadi also reflects on her passion for street art and photography, and she redefines wealth as being about relationships and community rather than just financial success.What You'll Learn:00:00 Introduction to Hadi Mendez and Her Journey02:01 Growing Up and Money Experiences06:35 The Motivation Behind Writing 'Calladita No More'08:38 Building Confidence and Overcoming Imposter Syndrome12:14 Navigating Workplace Challenges and Demotions16:14 Taking Charge of Your Career and Self-Advocacy20:49 Planning for the Future in a Challenging Workplace24:40 The Importance of Community and Connection28:25 Hadi's Passion for Street Art and Photography30:13 Defining Wealth Beyond MoneyBuy Hadi's book using our affiliate link: https://bookshop.org/shop/sayholawealthConnect With Hady on Instagram.Ready to increase your net worth by $20K or more?Join The Say Hola Wealth Academy — our signature program where we help first-gen wealth builders grow their wealth through salary negotiations, career pivots, mindset coaching, and smart investing.✨ If you're ready to rewrite your money story and step into your financial power, this is for you.Join today at https://sayholawealth.com/academy✨ Enjoyed this episode?Don't forget to subscribe to the channel, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream. Hosted on Acast. See acast.com/privacy for more information.

Celebrating 5 years of the Happy Women Travel More Podcast, I'm leaving you with one last episode for the year — and honestly, it's something I've never fully shared out loud. As you start thinking about your vacations for next year, today I'm revealing 3 insights about planning a trip that most people never tell you… but I will. These are the small but powerful insights that can completely shift how you approach your vacation planning, and ultimately, how much satisfaction you get from your travel experience. → SEE ANGELA'S VACATION PLANNING SUPPORT SERVICE AT WILD HAIR TRAVELS ← →  SAVE YOUR SPOT ON MY CALENDAR TO GET 1-ON-1 VACATION PLANNING SUPPORT! ← Connect w/ Angela on Instagram LISTEN BACK: Episode 40: Why Out-of-the-Box Vacations Don't Do It For You Episode 53: The Pros and Cons of Independent Vacations Episode 155: My 2 Biggest Pieces of Travel Advice

Student loans aren't just a financial obligation — they're a moving target. Rules shift, repayment plans evolve, forgiveness programs get redefined, and big deadlines are on the horizon. To help make sense of it all, Melissa Joy, CFP®, sits down with student loan expert David Gourley, founder of K-12 Planning, to break down the latest changes and what they mean for borrowers today.David brings deep expertise from years of helping educators, public service professionals, and families navigate the student loan maze. Together, Melissa and David walk through what's stable, what's shifting, and what borrowers need to pay attention to right now — especially as 2026 brings some of the biggest changes we've seen in years.They explore why Public Service Loan Forgiveness remains intact (despite the headlines), the critical steps Parent PLUS borrowers must take before federal doors close, and how the upcoming Repayment Assistance Program (RAP) could reshape long-term planning for millions. David also shares the little-known strategies around tax filing, repayment timing, and consolidation that can dramatically change someone's loan trajectory.Highlights include:Why PSLF is not going away — and who still qualifiesHow adjunct professors can use a multiplier to qualify as full-timeThe crucial July 1, 2026 deadline for Parent PLUS consolidationWhat RAP is, how it compares to IBR, and why timing matters for borrowersHow long-term forgiveness works (20, 25, or 30 years) — and when it may be taxableHow filing taxes married filing separately can significantly reduce paymentsThe risks of relying on lower payments when interest continues to growWhat changes to borrowing limits mean for grad students and parentsWhen refinancing to a private loan may actually make senseHow to plan ahead when student loan rules continue to evolveIf you're navigating repayment, planning for forgiveness, or preparing to send a child to college, this conversation offers clarity in a landscape that rarely stands still. Melissa and David bring the context, strategy, and grounded perspective borrowers need to make confident decisions — today and in the years ahead.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...