Podcasts about resouces

Listen as Scott Gazzoli shares his personal journey of overcoming pain and achieving vibrant health. Scott Gazzoli is the host of Causing The Effect. Scott has always had the urge to help others and believes his podcast can transform people's perspectives and limits. Scott lives, works and podcasts from Brooklyn, New York and is available for speaking engagements. Scott is a Managing Director with the Quest Organization, a boutique advisory firm that caters to the needs of High Net Worth Individuals and Families. Scott prides himself on his ability to create solutions and build relationships with his clients. Scott is also a comedian by night! Resouces: causingtheeffectpodcast.com The Cox 8 Table by Haven Medical  

KPIs and reporting data are fundamental to business management. If you and the rest of your team are not measuring your respective KPIs correctly, you are setting your agency up for failure.  In this episode of The Agency Blueprint, I talk about KPIs – why they are important, which KPIs you should measure to match your business and agency type, and why KPI data should be accessible to managers and your agency's middle management. So if you want to learn how to take your agency to the next level, jump right into the podcast! The Key Questions: Why is it important to know which KPIs to measure? (2:22) How does measuring KPIs affect an agency owner's ability to know what's going on in their business? (7:19)  What are financial KPIs? (5:45)  What You'll Discover: Why you shouldn't measure KPIs for the sake of measuring (1:27) The relationship between the KPIs you report and the type of industry you are in (2:03) Why agency owners should focus on project management (9:45) Episode Links and Resouces:  00:14 https://thankyou.creativeagencysuccess.com/agencyblueprintdownload (To Download Your Free Copy of The International Best Selling Book "The Agency Blueprint" just click this link) 2:21 https://blog.creativeagencysuccess.com/blog/why-your-agency-needs-kpis-and-the-three-ways-of-implementing-them-into-your-business (Why choosing the right KPIs to measure for your sub-niche agency is extremely important.) 5:22 https://blog.creativeagencysuccess.com/blog/post/2018/10/17/key-financial-reports-ad-agencies-cant-do-without (Primary KPI Pillars and how Financial KPIs fit into your agency.) 8:25 https://blog.creativeagencysuccess.com/blog/let-go-of-underachievers-and-fill-your-seats-with-ideal-talent-0-3-0 (The Agency That Achieved 100% On-Time Completion With KPIs (And How to Use KPIs to Leverage Your Team)) 15:13 https://powerbi.microsoft.com/en-us/ (Microsoft Power BI: An Incredibly Powerful Tool) 17:19 https://www.creativeagencysuccess.com/ (CreativeAgencySuccess.com)

I truly don't know what to say. There needs to be some healing infusions and I don't have any.   But I can say many of us are trying not to be overwhelmed or discouraged by hate based carbon units.   It is hard.  But we can do it. Are ancestors taught us that and we have to hold on waiting for our time to make changes.   Not to wait on them. Make them. In this episode, a few words about why the podcast exist and in App that Attack, a few words on Apollo Neuro. If you need support contact the National Suicide Prevention Lifeline at 1-800-273-8255, the Trevor Project at 1-866-488-7386 or text “START” to 741-741. Resources Mentioned:  Apollo Neuro wearable device for stress and mood adjustment. Jon Kabat-Zin meditation app for iPhone and iPad Disclaimer:  Links to other sites are provided for information purposes only and do not constitute endorsements.  Always seek the advice of a qualified health provider with questions you may have regarding a medical or mental health disorder. This blog and podcast is intended for informational and educational purposes only. Nothing in this program is intended to be a substitute for professional psychological, psychiatric or medical advice, diagnosis, or treatment.

Happy Friday and welcome to episode 118: Liberate Yourself from Dieting with Dietitian Dina Garcia. I found this gem on Linkedin and now I can’t stop following her on Instagram and facebook. I have this building belief that if we all started to curate our social media pages to nothing but inspiration, information and happiness… we could be taking back control of areas that can otherwise leave us feeling frustrated, jealous, unaccomplished. If you have heard this coming out of my mouth, the whole idea of curating our social media, but you haven’t taken action or don’t know where to start… may I highly suggest starting to follow my podcast interviews. My promise to you is that I will only bring on individuals that meet prerequisites of sound information, inspirational content and an uplifting message. Start today by following Dina and I guarantee you will get your first dose of motivation within just minutes of looking her up!Before we dive into our interview, I wanted to lay out some of the questions that Dina asks on her website, it will get your wheels turning! She asks questions like:✓ Do you suffer from cravings?✓ Always gain back what you lose?✓ Struggle to consistently exercise?✓ Do you eat out of boredom, stress, anxiety or other emotional reasons?✓ Does eating healthy seem like too much work?✓ Do you want to improve your body image and self-confidence?✓ Do you have a health condition that you want to improve but not sure what to eat?Seeing a dietitian nutritionist like Dina, who specializes in intuitive and mindful eating AND is skilled in helping people find do-able strategies to healthy eating, CAN HELP. This is why I am incredibly excited to bring someone like Dina to our Direction Not Perfection Community today!!Dina has been a Registered Dietitian since 2005. She believes in a holistic, food first, client-centered approach to nutrition, which allows her to help countless clients live a happier healthier life. She understands that every individual has different needs and takes the time to listen and help achieve the clients goals. Dina founded Vida Nutrition in 2012, after 7 years of working as a clinicaldietitian. She has extensive experience with wellness, pre-diabetes, diabetes, renal (kidney) disease, pregnancy, lactation and so much more.In addition to being a Dietitian Nutritionist, she has 2 beautiful children and when she’s not busy chasing them around or attending back to back birthday parties she enjoys spending time at the beach (living in Miami has a few advantages), hiking, biking, meditating, going to the gym, and vegging out on the couch with netflix, a beer and a bag of pretzels or popcorn. She says, Hey! It’s about balance right?

In 15 mins you'll find out the possibilities when you guys agree on a purpose, goal, or achievement together? Man! Talk about smoother sailing in these marital streets! In this episodes Meagan Lewis talks about benefits of creating a marital vision, what a balanced visio could look like, man shoot just PRESS PLAY to get more context. ;) Resouces mentioned: Black, Christian, Married Podcast: https://www.spreaker.com/show/2735010/episodes/feed MBA(Mission, Budget, Agenda) for your marriage: https://www.spreaker.com/show/2735010/episodes/feed Mattie James (Blogger Influncer): https://www.instagram.com/themattiejames/

On this episode Darnise discusses resources for the confidence toolkit.

Listen to Tim Spiker discuss how effective leadership is about who we are and not what we do.

Welcome to the Mom Bits Podcast. Today, let's chat about us parents needing to break the cycle of trauma and dysfunction. -- Social Media:@mombitspodcast--Resouces:--> https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwjSh8_1-pLvAhWTMVkFHbhLBa4QFjAOegQIIRAD&url=https%3A%2F%2Fwww.ncbi.nlm.nih.gov%2Fpmc%2Farticles%2FPMC3968319%2F&usg=AOvVaw0UlmD70jfq3PXIHAm29zVN--> https://www.googleadservices.com/pagead/aclk?sa=L&ai=DChcSEwiXh96X-5LvAhUZd4YKHSntBwQYABACGgJ2dQ&ae=2&ohost=www.google.com&cid=CAESQOD2SHXDMHJ_veO3D5CCERDhr7nMaJWX5EbgevhkpiwHVRb6ZgLoX0BudcHw0Lql9tWgRDs7RdK34pYtGnVsbP8&sig=AOD64_3FOhw3IfxJ6snN4aCPMxtctauuaQ&q&adurl&ved=2ahUKEwjK-9aX-5LvAhUP1lkKHR61BkgQ0Qx6BAgGEAE--> https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwjK-9aX-5LvAhUP1lkKHR61BkgQFjAAegQIGhAD&url=https%3A%2F%2Fwww.talkspace.com%2Fonline-therapy%2F&usg=AOvVaw10wckhhcBdnHhwQ_amprT5Support the show (https://www.buymeacoffee.com/mombits)

There are 60 minutes in an hour, 24 hours in a day. That is a fact. It can’t be changed. It is the same for everyone. A common misconception (or lie) that we tell ourselves is that we don’t have time to start or adhere to healthy behaviors like workouts, or meal prep. We are too busy with work, kids, school, and many other things that take up those precious hours allotted to us. There is no time left to spend on getting or staying healthy. When we see other people who do make it to the gym, go for walks, prep healthy snacks or plan their meals, we tell ourselves that those are great ideas, but we don’t have time for them. Those people can do it because they are retired, don’t have kids, have built in babysitters or have jobs that provide healthy behaviors. We tell ourselves that those people have more time and if we just had different circumstances, we too would have enough time to work on our own health. It may be hard to hear but those are just excuses. Thinking that we would be more productive with our time if we just had more of it, keeps us from working on habit change. We may not have the luxury of free unscheduled time that some people seem to have but those people who make it look easy are making purposeful decisions with their time. They are choosing to spend the time that they have in healthy behaviors. If you really want to make healthy changes in your life you need to take advantage of the “pockets” of time that are available to you and choose to use them to better your health. Pockets of time are those golden moments that miraculously appear in the day and we can use them to our benefit. Waiting in the car line you can pop in a positive podcast. When the baby is taking a nap, you can grab a workout DVD or a walk on the treadmill. When the rest of the house is still asleep you can throw on your shoes and go for a run. Pockets pop up all of the time, but we need to be aware of them and choose to use them in a healthy way. If you are stuck in a mentality of “I’ll work on change when my circumstances change”, you will never notice that you do have pockets of time available to you, right now. That perfect moment will never come so we have to choose to make healthy habits happen.Resouces:www.healthaccountabilitycoach.comwww.facebook.cm/houselifestyles

Amanda Gunter shares her wealth of information about rehabilitating the brain. She explains that a missing link in some people's healing may be related to the nervous system. Listen in and learn how healing the brain can enhance overall recovery, life and faith. It's truly fascinating, bringing a deeper meaning to the scripture that says "We are fearfully and wonderfully made." Contact Amanda Gunter at: agunter@brainbalncecenters.com; Brain Balance of Lake Mary and Winder Garden, Orlando, FL (321)351-7500 Brain Balance: https://www.brainbalancecenters.com/ Splanka: https://splankna.com/ Resouces in Atlanta, GA; Rhizoo Counseling, Dana Hernandez; rhizoocounseling@gmail.com --- Send in a voice message: https://anchor.fm/angel-h-davis/message

Special thanks to Marshall. You can follow him on Tiktok @witchofsouthernlight and Instagram @witchofsouthernlight Resouces mentioned: Raymond Bucklands Complete Book of Witchcraft. Abraham Hicks. The Labyrinth in Dallas, TX. Music by Langis Wolf

In this episode Alisa shares her heart and what the Lord has been teaching her with the current events in our country.  RESOUCES:  Be the Bridge: Pursuing God's Heart for Racial Reconciliation by Latasha Morrison  Be The Bridge Website I'm Still Here: Black Dignity in a World Made for Whiteness by Austin Channing Brown Why Are All the Black Kids Sitting Together in the Cafeteria? by Beverly Daniel Tatum The Color of Compromise: The Truth about the American Church’s Complicity in Racism by Jemar Tisby The New Jim Crow: Mass Incarceration in the Age of Colorblindness by  Michelle Alexander The Myth of Equality: Uncovering the Roots of Injustice and Privilege by Ken Wytsma

Comprehensive list of resources here: bit.ly/ANTIRACISMRESOURCES Please consider educating yourself and donating if you are able. Remember, you can also volunteer your time and advocacy efforts for no cost. Longer list of resources available on https://carleighweaver.com    

Nicky Yates' story seems like it's straight out of a fiction novel and yet it's true. As a professional, Nicky is a forensic traumatologist and researcher on the nature of healing from trauma and domestic violence. She is a humanitarian and uses her expertise to lift communities out of poverty in low-income countries throughout the world (26 countries and counting.) But landing where she is today is nothing short of a miracle. As a child, she experienced poverty, childhood abuse, and homelessness. As an adolescent, she learned how to care for family members with serious mental illnesses. Now as an adult, Nicky walks us through how she's gotten to where she is, actionable tips for how to overcome the impossible, how to build safe boundaries with family, and embracing self-care and love in the midst of it all. Goodies from this episode:Books: The Normal One: Life with a Difficult or Damaged Sibling: https://www.amazon.com/Normal-One-Difficult-Damaged-Sibling/dp/0385337566 Healing Developmental Trauma:https://www.amazon.com/Healing-Developmental-Trauma-Self-Regulation-Relationship/dp/1583944893Finding therapy:https://zencare.co/Resouces on trauma: Info on Tetris for PTSD: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5678449/Power of language on mental health: https://www.thekimfoundation.org/blog/the-power-of-language/Learn about Nicky's work: https://www.theadventureproject.org/Connect with Nicky:https://www.linkedin.com/in/yatesnicky/In crisis? Text: GOFIRST to 741-741 to speak with a trained counselor anytime anywhere for free. P.S. Have an idea for us? Don't be shy. We want to hear from you! Send us a note at hello@illgofirst.com★ Support this podcast on Patreon ★

New Orleans is famous for its supernatural legends. Legends that even extend all the way out to three separate instance of “real” vampires. Resouces: https://exemplore.com/paranormal/The-Vampire-Legends-of-New-Orleans https://www.gonomad.com/85242-new-orleans-a-vampires-guide Music Credits for Hauntedology : Music: The Gatekeepers by Shane Ivers - https://www.silvermansound.com Music: Fearful New World by Shane Ivers - https://www.silvermansound.com --- Send in a voice message: https://anchor.fm/hauntedology/message Support this podcast: https://anchor.fm/hauntedology/support

In this episode Dan talks about how couples can start working together as a team to manage their money. Resouces mentioned in this episode: Radical Candor (https://amzn.to/2pJFc6i) (affiliate link) 7 Habits of Highly Effective People (https://amzn.to/2Bz2DlF) (affiliate link) How to Talk About Money With Your Spouse: The Ultimate Guide (https://www.adultingwithmoney.com/bme/) About Dan: Dan helps newlyweds get on the same page with money and stop the money fights before they start. Website: adultingwithmoney.com Email: dan@adultingwithmoney.com Social Handles: @adultingwithmoney on FB and IG, @adultingwmoney on Twitter YouTube: https://www.youtube.com/adultingwithmoney?sub_confirmation=1 Full Transript: Hey, this is Ashley with the money mindset podcast and today we are talking with Dan Heinz with adulting, with money.com. He helps newlyweds get on the same page with money and stop the money fights before they start. Welcome Dan. Thank you Ashley. Thank you so much for having me. I'm so happy for you to be here because you know, couples fighting about money is such a huge factor and just stress in their lives and their family situation. So, you know, I'm so excited to talk to you today about things that people can do to get them on the same page with their spouse. So, so excited about this podcast today. Yeah, and thank you for having me. I mean I, I even had, I was just telling you before we started recording that I had a dentist appointment this morning. Uh, and so I was telling the a dental, a dental, uh, assistant hygienist, um, about what I do and she, Oh, and so she started asking me all these questions and I'm just like, ah, ha, ah ha. You know, just sitting there and like, well, I can't really answer you, but I'd love to. Exactly. And it's so important for people to talk about this. So I love it when people just randomly start asking us questions about, you know, managing their money better. So yeah. But when they have all this stuff in your mouth, it's like, what are you talking to me? Oh yeah. Well, and it's, and I'm so grateful that I come off as so helpful and that people just start asking me questions. Um, you know, I, I really do take that to heart as to say, well, if they didn't like me or trust me enough, they just wouldn't be asking periods and be like, Oh, that's neat. And then they move on, they move on. Just a polite nod and a wing, like, okay, well that's nice. So how's the weather going? So tell us a little, a bit about yourself and how you kind of got started on this journey with helping, uh, newlyweds with their money. Oh, sure. Yeah. So, I mean, long story short, I have an engineering degree and then I got an MBA and I was with Edward Jones as a financial advisor for a couple of years. Um, but I knew that I figured out that wasn't really the past path for me, but really my personal finance journey I guess, um, started when my wife came home one day with these giant bags from target and while she had bought, I think pillows, that's why the bags, the bags were extra big, just gotten married. I was sitting on the couch in the apartment, I can see the front door and I can still see it now. And she walks in and the first thought I had was, what the F did she do? Okay. And, but, you know, being a new husband, I also, my second thought was immediately, I need to never think that again. Okay. So I wasn't, but I wasn't sure how like, okay, now I know what I want, I know why I want it. I want to keep our marriage going for more than six months. Um, and so that, how do I go about doing that? And so that really sent me on my journey to, to try to figure it out. Um, but I realized pretty quickly that a lot of these personal finance books and financial coaches and stuff that you listened to oftentimes are geared towards a single person. Like I'm a big fan of Romy SETI and his book, I will teach you to be rich and grant. Um, I can't, his last name is French. It's not, no a Sabbath's here. Um, but that's not the French way of saying it. But anyway, super nice guy. He has another book called financial freedom. Um, but it's a, you know, it's, it, it takes a little while to get to talk about like, okay, I understand it, but how do I get my spouse on board? How do I get my partner on board? And so like, cause when you want to start budgeting and you bring that B word of with your partner, they just, their, their, their buttholes just clinch up like, Oh, what are we getting into? Right. And so that's where I come in as a coach is to say, okay, I'm going to help you guys. I'm not going to, but you're adults. I'm an adult. I'm not going to tell you exactly what to do cause you, you lead your own lives. But tell me about what's going on. How can I get you to, to a better spot? Um, and so as a coach, I listen a lot and then I tell you what to do, but I let you play with stuff and toy with stuff and you know, um, you know, I'm not trying to assume that you're a square peg and I'm going to pound you into a round hole either. So that's kind of, I guess that was, you know, how I started my journey, but also how I help as well. That's great. So what are you have like first some tips for newlyweds or just people trying to get on the same page as their spouse, even if they're not newlyweds, you know, they could be married forever, but they really want to start or one of them really wants to start getting their money under control. What, how do you help somebody like that? Right. Um, I think the first lesson to learn is that you might be thinking about, Oh, should we have joint accounts or separate accounts? That's usually what a lot of couples like jump to like how should we, uh, organize our finances or our bank accounts? But the problem is, uh, goes back to like goal setting. So the best advice I've ever gotten in my life for anything is that when you want something, you have to first define what you want. Um, and you also have to define why you want it. So like that died, uh, that dental hygienist this morning, um, she was like, Oh, we, I think we should get separate accounts. And I said, well, what is it that you want? And she said, well, I really want to save for retirement. I said, great, why do you want it? She was like, well, I want to retire one day. I said, perfect. And then the third thing after those two is who, who can help me? Because you've never solved this problem before. And it's better to go out and find someone that has solved it and then they can just tell you the how, um, the, the trouble is, and having an engineering degree myself, I do this a lot and I've had to overcome it is I jumped straight to the how, how I know what I want. Uh, but what, how do I go about getting it? So I'm wrapping that back to the, the joint accounts and the separate accounts. That's a great question, but it needs to be like the fourth or fifth question that you're asking. And in a, in the beginning you have to sit down as a couple and talk about what, what is it that we want and why do we want it? So, so that's what I do with all my couples. And that's my first suggestion is just start having conversations about and start talking about, well, what is it that you want and, and, and why do you feel bad about some things that are going on? Or why do you feel good about some things going on? Um, that's really kind of where I start. That's great because you know, you really have to think about yourself as an individual and then put it together as a couple and work towards the same goal. So I love that. That's how you start with it. And yeah, you hit the nail right on the head with the individual part, especially with newlyweds is because as a society we are getting married at an older age, which also means that we've gone through college and, and used our own money, maybe gotten our own debt. Um, you know, had our own job, our own apartment, our own car, our own bank accounts, bank accounts. And then all of a sudden you're trying to combine that with another person who's been very individual with all of their stuff. And so how do you come together as a team, as a family, as, as a couple and, and start to do that together. Um, and so that's also really what I'm helping with when it comes to newlyweds, is to, to bridge that gap from individuality to, okay, now we're a team and specifically a team with money. How do we do that together? That's great because you know, uh, as you were saying that, I was just thinking, you, they, you also have your own money habits, whether they're good or bad. And so you have to work together with your spouse is good or bad money habits as well. So I love that, you know, you uh, work with them to work together like that. Yeah. Yeah. Or develop new habits together is to say, well, let's, you know, maybe there's a not a good or bad bad habit that we have at all, but just let's, we need to start a new habit. Yes. That's a good way to think about it too. Cause you know, especially with newlyweds, it's like a start to kinda recharge and kind of restart your whole money life and habits and everything. So what is something, um, or maybe the most important step to start communicating better with your spouse about money? Like how do you help them communicate better? Yes. So the first thing I do is have them go through basically a goal setting session. But when I say goal setting the, well, let me back up just a tiny bit. There's a great book I've read that's called, um, Oh gosh, it just popped out in my mind it is a book. Um, and in the book there's a this advice that when you're having meetings, sometimes people are coming into a meeting with different expectations. And by expectations, I mean, some people were like, Oh, we're having a brainstorming meeting. And some people were like, Oh, we're here to meet to get something done. And so when you have people that are like, Oh, let's talk about stuff and throw spaghetti at the wall and see what sticks. And some people were like, I got stuff to do. Let's make a decision and move on. That's a huge conflict in that meeting. Um, and so when you, um, so the first thing to do radical candor, that's the name of the book I knew, I think of it as radical candor. So anyway, so when it comes to couples is I have just do a brainstorming meeting. Like, Hey, let's talk about it. There's no decisions that are going to be bad. Let's just talk about it. Um, so I'll have them go off on their own for five minutes and, um, write down as many things as they can think of with money. What is it that they want? What is it that they're afraid of? What do they want to pay for? Um, all everything that they can think of. And if they can, if they can't think of it in that in five minutes, then it's not important today. It might be important to some day down the road, but just today, what is it that you want? And then come together and talk about those lists. Like what is on your list and why is it on your list? Why do you want a big emergency fund? And, and we, you know, we dig into like, well, this is how I grew up. This is how my family handled money, but I really didn't like it or this is how we handled money. And I really liked it. And so you get to know each other on a little bit deeper of a level when it comes to money, but you're tying it specifically to like, okay, how do we each feel about debt in general? How do we each feel about, um, you know, our student loans in general. Do, do either of us want a house? And then after that I have them pick the top five things on their list that they want to deal with individually and then come together as a couple and have a top 10 list. So that means that something's going to be number one and number two, but your top five as an individual will be on the, the top 10 list as a couple. And again, I, you know, I talk about this all in my guide, so everyone listening, um, we'll, we'll give the link later, but the guide has these step by step process that you can do later with your partner as well. Um, and so, but yeah, have them create a top 10 list and say, okay, what's number one? Let's start going after that. How are we going to go about that? That's awesome. I really like that idea because you know, you're really focusing on the individual mindset, why they think what they think about money, and then coming together as a couple. So, and everyone is afraid of being wrong or, um, made fun of or put down, even if it's your partner, you're just like, you know, there's still a little bit of either embarrassment or fear that they're not, they're going to think I'm weird or think differently. And even though you're married or maybe about to be married, um, it's still there. I mean, and maybe it's not money. Maybe it's, you know, sex that you're feeling very uncomfortable about or just talking about kids or something going on in the family. So certainly, certainly it's there and it's normal to feel a little bit of hesitation. So I, the first thing I do is just try to set up this meeting to say, Hey, we're just talking about stuff. We're not gonna make any decisions. We're not here to judge anyone. We're not here to, uh, we're just here to learn and listen to each other. And then we'll go from there. But we gotta we've gotta have that broad conversation first and then we'll get to the, like the how and the what to do next, the strategy. That's great. Do you, um, work with couples like online or do you meet with them in person or both? I've done both. Um, I'm mostly online, so I mean if, uh, if you're listening to this and you download my guide, I've got a YouTube channel that I'm starting up. Um, so if it's something that you want to follow along, I'm trying to make my business completely online. So, so starting out, um, I, you know, I've dealt with individuals and couples. Uh, there was this one woman that, uh, I helped and she was in the Navy and over in South Korea. So we, the time change was a bit tough, but we made it work and we, we were, I was able to help her out and coach her. Um, I've had a couple here in my area. Um, I've had couples in California that I've helped, um, and uh, Ohio and Indiana. Um, and so it's, it's all over Florida. Oh, that's great. Yeah. I love working online and working with people online and we do it by video calls as well. And so, I mean certainly I want you to see me and I'd love to see you guys is that, you know, on the couch together, snuggling or maybe not snuggling, depends on how to say, um, and then help you the best I can. And it's, you know, I really as a coach, I look for those nonverbal cues is when I ask a question and I see how the eye contact is working, uh, or not working, uh, between you as a couple or with me just as a coach looking at the camera. Um, those, it helps me a lot, be a better coach as well. So I love doing video calls. Now you did bring it up earlier. Um, I was, I was wanting to get your thoughts cause I get this question all the time, but what do you think about shared bank accounts? Like is it a hard and fast? Yes. You need or maybe, maybe not. Like, what do you tell people when they ask you if they should or, um, what they should do about bank account? Yes. And that's exactly what the dental hygienist um, asked me this morning and I tell people that it's an important question, but it's a secondary question. Um, I had this post that I put on Reddit in the personal finance subreddit and it made it to the front page of Reddit. And so, yeah, so you know what that is, but for anyone that has no idea what Reddit is, um, it's a website and basically to get to the front page, a lot of people have to like upload it. They have to like it. And I got like something like 400,000 views and 17,000 up votes and uh, like, uh, like 1700 comments on this post. I mean, a lot of people were just arguing back and forth and we were, but whatever, it Rose to the top. And what I learned from reading hundreds and hundreds and hundreds of comments was that there are very happy relationships and marriages where everything is separate, where everything is joint or there's something in between. And the common thread is communication is that if you're not talking about money on a regular basis, and regular could be [inaudible] yearly, it could be monthly, it could be quarterly, it could be weekly if you really need to. But if, if you're talking about money on a regular basis, you have that habit, um, then you're going to be fine. Cause that's where most of the troubles come into is that, you know, I, it's like, Oh I want a separate account so I can just do what I want. But the deeper level to that is that maybe your isn't listening to what you want or, or you're feeling guilty of buying stuff. So you want to hide your money over here and not have to ask for permission. Um, and so the, usually when I hear that, I know immediately that there's kind of a, a deeper level to that. So it is an important question. We should talk about separate and joint and all that stuff, but that it's secondary. It's not the first conversation we're going to have. Yes, I agree 100% because there's so much more to it about, you know, why they want a separate one or don't want a separate one. And it all goes back to their individual mindsets about money, which we've already talked about as well. So it kinda just, it all comes together, but it usually comes out from this question, just like you said, you have to back out, figure out why they're asking in that money, that money mindset that you talked about. I know Ramit Sethi, his, his, he did a second version of his book and he talks about something called money dials, where we all have kind of that one topic or that one thing that we actually really love to spend money on. Um, you know, sometimes it can be closed, sometimes it can be travel, you know, maybe, uh, you know, it could be guns or it could be a hobby. It could be computers, it could be video games. Um, that we're, we love actually enjoy spending money because what we're spending money on is valuable to us. And that's why we have that first conversation is to find out like, what is it that you really value as an individual and then how do we kind of, how do we combine that as, as a couple? Um, for myself personally, I love spending money on, uh, educational things. I love going to workshops and seminars and buying online courses. I am, I just am constantly trying to improve myself, whereas my wife, she just spends all of her money on a heart. Our dog, she just loves our dog. She wants, you know, a nice carpet. And she in Disney world, while I like spending money going to Disney world too, that's where, that's where we as a family, as a couple of, we are 100% together on, Oh good. Yeah. But you need to be to spend that much money on godly, his knee. Oh yeah. Yeah. So, and I know that, um, there's like, Oh, well, you know, I'm a spender or I'm a saver. And I, you know, I, I don't like to put people into those categories. It's, it's more about trying to understand yourself as an individual and the nuances and to say, okay, well, you, you don't, just because you're a saver, quote unquote doesn't mean you're a saver and you're frugal on everything. Um, and just because you spend on one thing doesn't mean you spend on everything. Um, and so it's defined that nuance as a couple and to say, okay, well what, let's, let's dig a little bit deeper into that to figure out how we fit. How are puzzle pieces fit together? I love that. Uh, so I, and I always ask people what their favorite nonfiction book is because, you know, the studies have shown that millionaires, uh, read at least I think it's one book a month. And so I always love to find out people are reading and what their favorite nonfiction book. Sure. Okay. Um, well, gosh, I've already mentioned like five already, but I, so for me, my favorite is the seven habits of highly effective people. Um, and I guess I really pick that because that was the first nonfiction book that made me realize, wow, I don't have to like go to school or a teacher or a particular, you know, you know, the, the system in order to learn something amazing, it can be in a book and I can read it. And so, you know, and this was before that blogging really got started. Um, and so, you know, it was books and magazines for a bit there. Um, before blogging got popular enough, they're like, Oh, well I can follow someone on a blog or a podcast or YouTube to learn stuff. But the, for me, especially being in engineering and being younger person, that one of the habits is seek first to understand then to be understood. And that's basically a motto that I've kept for years to say, okay, rather than being some sort of pretentious person and trying to be a know it all. Is this like, yes, it's good that I know many, many things, but I don't know everything. And when I'm listening to someone, I need to understand exactly where they are and where they're coming from in order to help them next. And so that's, um, you know, I got that habit from that book. Uh, and that's been kinda always on the top of my mind and why it's my favorite, not to say it's the best. I think I got some other favorites that I really like. Uh, but that was the first that really kind of unlocked that door for me. Yes. That's a very good book. I love that quote. That'd be perfect on the, uh, you know, Facebook share it on, but it a graphic. Yeah. Stephen Covey, the seven habits of highly effective people. Now, do you have any last words of wisdom? Um, follow me on YouTube. That's, that's my, my next step. Um, I'd, so I'm starting my YouTube channel today. I'll have a video up by the end of the week and I, my personal goal is to have a video up every week for the next year. So the first 52 episodes or videos or, or whatever you want to call it, but I, I mentioned earlier a guide. And so I've written a, a 20,000 word ultimate guide and it has that brainstorming that, that, um, goal setting exercise that I talked about. So if you go to adulting with money.com/b M E so that stands for budget's made easy adulting with money.com/b M E you can download that for free. Um, and so that's, uh, so that's where you can get that guide. Uh, but then also follow me on YouTube adulting with money. And that's the last piece of stuff I've got, unless you have any more questions. No, that was there. My next question was going to be where to find you. So I think you've got that covered. Everything is that adulting with money, correct. All your social media. Yup. Adulting with money.com on Instagram. It's adulting with money on Twitter. It's adulting w money because adulting with money's too long in my handle. Facebook, it's adulting with money. And then you can search for Dan Heinz as well. Um, and yeah, it's uh, but yeah, definitely YouTube is what I'm going to be focusing on the most over this next year. I can't wait to see it. I try, I started YouTube, like I have like four or five videos up in the night. I just gave up and moved on. And that's okay. I mean, certainly I'd, if you were a client of mine, I would say, Hey, you tried and you, and you found out it wasn't for you. The same thing goes with money. Like, Hey, we need to try some things and try this app, see how it goes. And if you don't like it, we'll try something else. Exactly. So I might get back to it. We'll see. But I'm really loving doing this podcast and getting to talk to people like you. Yeah, no, thank you. And thank you for having me. I really do appreciate it. You're welcome. We will talk to you later. Bye. Alright, bye Ashley. Special Guest: Dan hinz.

Here's a quick overview of what I reviewed before I signed up for the CPLP; a few suggestions of review and my plan for studying learning and performance along with the Learn/Perform Mixtape podcast, of course.

Paying federal and state unemployment taxes is not optional. Small businesses, especially, might not be aware of their responsibilities when it comes to filing or responding to claims. It’s important to know all of the rules because not paying them or paying them incorrectly could result in penalties. In this episode HR expert Jenni Stone we share where unemployment taxes come from, and what happens when an employee files an unemployment claim. Thank you for listening to our podcast. We will continue to keep you updated on the changing landscape of Human Resources and address any topic area you wish to learn more about regarding HR and HR Compliance. Please leave a comment below as we value your feedback or if you have an HR question ask and we just might make your question our next episode! Follow HR Shield Online Here: YouTube: http://youtube.com/TheHRShield Instagram: http://instagram.com/HRShield Facebook: http://facebook.com/HRShield Twitter: http://twitter.com/HR_Shield Podcast: http://hrrescue.libsyn.com Website: http://HR-Shield.com Enable our Alexa Skill!!! About HR Shield Do you own a small business? Are you considering starting a business? Does hiring an HR professional not fit your budget and current cash flow? Whether you are a newly certified HR professional, business owner, office manager, student or a general curious person HR Shield are certified HR specialists that provide quick, accurate and simple answers to common HR and business questions. Our mission at HR Shield is to impact those small and midsize companies that don’t yet understand the value or can’t yet afford to hire a full-time certified HR professional. Our goal is to educate the small business owner and help them understand the importance and impact an HR professional can have on their company and one day hire a full time certified professional. In addition to working with the small to mid-size business owner we provide a full white label HR portal and HR hotline for payroll companies, PEOs and staffing companies and support their small business owner clients.

Get the advice and tips you need to get on the same page as your spouse about money. It's so important to examine your individual money mindsets then come together for a common goal. This can lead to a greater understand of each other's points of view which can lead to better communication and money management. Adam H. Kol, J.D. is a Couples Financial Counselor. He helps couples who love each other make sure that the money conversation doesn't get in the way, allowing them to experience greater peace and love. Adam draws on over a decade of experience as a Certified Mediator, Communication Coach, and a former Tax Attorney and Financial Advisor. Adam received his law degree from Duke and a Master's in Tax Law from NYU. Through working with Adam, couples have gone from the verge of divorce to being best friends, all while making huge financial progress. Adam's work is informed by perspectives of equity and social justice. He is an experienced community organizer, as well as a lifelong musician. You can find Adam's amazing resources at www.ahkcoaching.com and follow him on social media at @ahkcoaching or on Linked in at Adam H. Kol, J.D. Resouces mentioned in this episode: The Essential Money Conversation Checklist: http://eepurl.com/gbTPc1 To schedule a complimentary Financial Harmony Consultation with Adam: http://bit.ly/financialharmonyconsultation Facebook group: https://www.facebook.com/groups/moneymarriage/ Favorite nonfiction books: The Wisdom of Insecurity by Alan Watts (https://amzn.to/2LC613Z) Structure of Scientific Revolutions by Thomas Juhn (https://amzn.to/2MT9wGd) Full transcript: It's exciting and I'm grateful to be able to share what I do. Uh, which is, I specialize in working with couples who as you said, I mean they're in a relationship, things are going pretty well. Um, just money is a difficult topic for them. I mean I've also worked with couples who are having more avoidance or fights around money. Um, I've even had couples come to me on the verge of divorce, as intense as that and I've been able to help them get back to being best friends again while also paying off a ton of debt and getting businesses restarted and all kinds of wonderful outcomes. Uh, my goal is to help people and couples come together, get closer, more intimacy, more connection, more love and more partnership. And I actually do that through working on their money stuff, helping them talk about money, helping them understand their own relationship to money. And I like to use art as well to help people kind of draw out their own interrelationship to money so that they can use that to further their partnership with their significant other. Yep. That's great. Because, you know, we each have to work on our own money mindsets, but then when you're with a couple of, you know, you, you have to work, you both have to work on the individual mindset and then work together. So that's a pretty, um, pretty big task to try and work on your own mindset and then drain other on it. So, so what is the number one thing that couples can do to work together on their finances? Yeah, I mean, the number one thing is, is talk and listen, right? Like, um, the money is an area of life and relationships. Just like so many others in our minds, it's, we kind of separate it and make it as if it's somehow really distinct. Maybe because we're afraid of the numbers and maybe because we didn't grow up talking about money. It's a taboo topic. We're afraid of it. There's some shame around it. All of which is very common. Um, but the biggest thing is to talk, so your partner, share your thoughts, share your fears, share your hopes and dreams and ask them about theirs and listen to theirs. Right. And, um, a lot of times what I see is that couples will get caught up in, uh, some something on the surface level. Like, oh, we shouldn't have spent $45 on this item. And what's really missing is that they are not align, they're not on the same page. And the way to get there is through that talking and through that listening. And so I always tell people to, you know, dream together. So just like you said, you know, make sure or work on your goals and have the same like big goal. Um, and you know, a lot of times, and um, correct me if I'm wrong on your aspect and how you see things with working with couples is, um, I totally where I was going with that. Oh, compromise. You know, sometimes you just have to compromise a little bit because you know, especially if both people think that they need to be right or their way is the right way. Um, and it is just kinda like compromising a little bit, giving a little bit both of them so that they can come together and work on the [inaudible] bigger picture. And so like you said, you know, worrying about like the smaller amounts but focus on the big things. Yeah, absolutely. And of course each situation is different. And for some couples, the, you know, the smaller things may be important if you're living paycheck to paycheck or really struggling. Um, and that happens a lot to families in the u s uh, but it's like about having that, like you said, those shared dreams. And um, I once said like, there's not right or wrong in relationships. There's just intimacy and you know, there's this point where you're like, well, what is right? What is wrong? Like, who, not to be all philosophical, but it's like, is that really what matters? Right? We get caught up in it because we're human and we have an ego and it's our blessing and our curse. And yet like to be able to step back and say, okay, is how I'm showing up right now in service of the kind of partner I want to be in, the kind of relationship I want to have. Right? And it's okay if the answer's no because again, you're human and we all have times where we show up, not the self we really want to be. However, to be able to be in that inquiry, that self reflection, notice it and then step back and be able to be like, whoa, take a breath. Go to your partner and be like, I'm sorry I was kind of being a butthead. Right? And, um, can we revisit this? Because you love your partner, you have shared, you want to live your best lives individually and as a couple and as a family if you have one. Right? So the point is to get over there, right? Not to necessarily be right or wrong. Um, and that just the best way to get there, like I said, is just to take a breath, step back, take a look at your behavior. As I once saw someone say like, am I in like a space of love right now? Am I coming from love or am I coming from like fear? Right? And if you, the more you can come from love, the better your is going to be. And then by the time you get down to the budgeting, then it'll be seamless to implement the expertise of whatever you're doing in your budget or someone like your programs. Because if you're on the same page and there's no resistance, now it's just a matter of doing the work. Absolutely. So where, where should couples start when they can't agree on how to manage their money or their budget? Like when they're just butting heads. Like what is some advice that you would give a couple that comes to you and they just cannot seem to agree on how to handle their money? Yeah, it's a great question and it's very right. And this is something that cuts across the income and like class categories, no matter how much people are making or not, they will often still have this struggle. Um, and the first place that I like to go with couples is to have them each do a little bit of digging into their own money mindset and then share that with each other because it's a safe entryway to the money conversation. See, a lot of people are used to either not having money conversations or when they do, they're like super awkward, super uncomfortable. They may lead to a lot of arguing or tension. And so I like to get it started by getting a healthy conversation under your belt. And when you're just talking about your own history with money in your own past, there's not really anything to argue about. It's just kind of like, here's how it was for me growing up. This is some of the messages I internalized about money based on Xyz, based on my family, based on my gender or my race or whatever, and the societal norms and stuff like that. You know, I find that to be a pretty safe conversation for people to get started with. Um, and the other thing is to just have the courage to ask for a conversation with your significant other. And to frame it in a constructive way. Like it's not like, hey, we need to talk about our budget. Right? It's actually like, you know what, I love you. I want to have the best possible life together. We can. And money I know is an important part of that. And I'm a little bit anxious because we haven't been talking about it or are actively managing it. So like when can we have a conversation about that? Right. Something like that that actually frames it. So they see that your teammates, right. Cause a lot of times, like you said, they're having trouble managing their money together. It starts to feel like they're in opposition to each other. Like they're kinda not rowing in the same direction and just reasserting like, hey, we're talking about this because we're teammates because we're looking to both have great lives. Like, I want a great life for myself and I want a great life for you as my partner who I love. Um, so really just creating that context is powerful. Yes. I love that. That's really great advice. So what tips, um, just to kind of flow into the next topic, this is kind of related then, is what tips would you have for couples to kind of goal plan together? So once they get like on the same mindset or they, you know, maybe understand each other's mindset a little bit better and then moving forward to the next step, you know, goal planning so that they are working together toward the same goal. Yeah, just like be inside of like love and curiosity within four and about each other. Like, because it's very common for people to not even, we don't even know what we want, knowing what our partners want. Um, and that's an inquiry that is ongoing and changes over time. Um, so just really creating the space to have that conversation. If you've never had it before, you know, it doesn't have to be painful or exacting. It's just like whatever intimacy looks like for you and your partner, you know, do that. Some people, it's light a candle or open a glass of wine or have a nice meal or just cuddle on the couch, you know, whatever it is, create that space where your care for each other as present for both of you. And then just talk about it. Um, and one thing I've been playing with and just kind of an idea that I've had that I tossed out to my girlfriend recently came out of one of my coaching calls, um, is to play with different scenarios. Like be like, what if we did this? Because sometimes I feel like we have this pressure that we have to just somehow magically know what our top choices, like what we want. And it almost like we have to call Alessa out of thin air versus being like, okay, what if we like worked 50 hours a week now and then retired when we were 55 versus like, you know, working 40 hours a week now and like retiring when we're 65. Like how do you think about those two? Right? And it's not that life is necessarily gonna go exactly that way, but it's always powerful to have a plan and you can always adjust. But like, you know, actually kind of sketch out some different ideas or scenarios and then talk through what are your thoughts on something like that. How does that make you feel? What would be not so good about that? What would be really awesome about that? Right. And ask these like, I like to call them, well they're called open ended questions where it's not like a yes or no question because it's like you want to retire at 55 is like a yes or no answer and that's fine sometimes, but it's like, what are your thoughts on retirement? Or like, tell me about how you think about when you want to retire or like what are the important considerations for you around retirement, right. You give the other person this like expansive space where they can really think for themselves and, uh, get a richer response. Yeah. And just kinda dream together. You know, my husband and I, um, you know, with building my business and really wanting to make this like a fulltime thing possibly even for both of us and you know, we sit and we dream about what if we got an RV and just traveled out west and just traveled the country and you know, just having the freedom to be able to do whatever we wanted to because you know, with, with my job in podcast and a blog and all that, I can, you know, as long as I have a computer and Internet I can go anywhere. So, you know, just being able to like dream with your partner about different ideas of what you might want to do or do want to do in the future and Kinda like how to make that happen. I think that is great. Absolutely. I love what you're visioning as well with your husband and you know, I encourage listeners, I give yourself and your your significant other like complete latitude, like even ideas that might seem ludicrous or like, oh I don't know, we can't do that. Just dream. Just let them just let the words flow, let the ideas flow. Even if all you get is a temporary feeling of excitement and like that excitement and nervousness and the liveliness, right you've been, that is a beautiful thing to experience. But um, just let the ideas flow. You never know. I mean, I was, I have a couple I'm working with. They came to me like their relationships great, but money is uncomfortable for them. They've been slacking on tracking it. Um, and so they wanted some support in that area. And where the conversation actually flowed was too, that each of them is underpaid in their current jobs. And in having them examine that and uh, get coached to the point where they can go have a conversation with their boss. It's just like transpired. All these different things have transpired and now the wife is like, I actually don't know if I want to stay at this job. I might even want to change careers. There's some interest in starting my own business or even going back and taking some classes and then, yeah, that's true. We're not tied to the bay area anymore. If I'm not gonna work at that job, we could go wherever we want, like our husband's job. There's opportunities for him everywhere. And now they're just like thinking, right. They're like, maybe we're gonna get like a beach house in Monterey and go live there and like, awesome. And I don't know where it's going to go. It's up to them. Right. But they have now seen so much of what's possible doing this work. Yeah. And they're excited about it now where when they came to you, they were, you know, stressed out and fighting and now they are dreaming together and seeing what's possible for their future. And that's, you know, that's what I want for people. That's so exciting. Yeah. In fact, like, you know, there's folks like, you actually were like the budgeting experts and while I budget with my clients, my expertise is really on that emotional communication mindset, coaching piece of it. And like what tends to happen with my clients is like, I'll send them a budget template to fill in, but then they just do it themselves. And like with this couple that I was referencing though, I was like, yeah, now like when I do the budget, I'm, I'm super excited. It's not like stressful anymore. I just do it cause it's like I know that it's helping us achieve our goals. I'm like, okay, awesome. Great. Yeah. Cause the, you know, it's really just the foundation or the stepping stone to getting, you know, what their big picture, their dream, you know, and that's, that's awesome that it's not stressful and overwhelming now because they have something to look forward to and something that they're working for. That's awesome. Yeah. Yeah. I love it. They're awesome. So what, um, so I get this a lot. Like even when, um, you know, somebody, they come to me, we're working on managing their money. Um, they get the budget done. They, they are excited about it, but then their spouse just is so reluctant they won't get on board with the budget. They sabotage it. Like they still take the debit card and they go to the gas station. Like they're still spending, even though you know, they need to work together. What is your advice for somebody that's like working really hard to do what they've done? The ground work, you know, they've laid it all out, the PR, you know, the spouse may be like, okay, I'm good with that. But then they turn around and they sabotage the budget anyway. Like what is your advice for a couple that is, that is dealing with that they're just one, one partner is just completely sabotaging it or not. I'm not, they're not on the same page, but they're just recklessly spending still. While one is trying really hard to manage the money better. Yeah. Yeah. Great question. And I mean there's almost like a couple of questions in there. Um, but if the, you know, I guess I'll, I'll answer kind of like two questions that I heard. The first one is if one partner is struggling to have like the other person's not on board in general, then that's really where some of the things I've been talking about through this call and some of the other things I talk about, like on my youtube videos there are just really helpful for getting the conversation started. Because my recommendation is always, especially if you share funds with your partner, if you two live together, if you're planning a future together, then have like get them on board, right? These are conversations you should be having with both of you as far as creating your goals and your visions and your budget to implement that. So that, you know, that's really the first place and that's just where getting in their world, understanding what's going on for them. And even if you have to, like I said, that framing of, look, I want to have a great life with you and I know this is an important part of it. Um, so when's a good time to have the conversation? Not like, do you want to talk about it? Like we need to talk about it. And you know, there's, I was at a, on a panel earlier this week and, or I guess it was technically last week now I got asked a very similar question to this and I said, you know, we need to expect our partners to be on board for these conversations just because it's been a taboo topic and past generations that doesn't work because we're missing out on our opportunity to thrive. And it's creating anxiety and resentment and fear and worry and tension and fighting. It's number one cause of fights and relationships. It's the number one or number two cause of divorce in every study I've ever seen. Uh, at least for like us marriages. And this is a country with a huge divorce rate. So this is not some small beans, small potatoes, whatever you want to call it, kind of issue. This is something that needs to be tackled. And so you like, you got to come at it with that, right? The same way you come at it with like talking about where to live or where to have children or if there were challenges in your like intimate life. Like if those things, the same degree of seriousness with which you take those because of how much they matter to the integrity of your relationship, I think money's the same way. And you know, there's no one way to do it, but holding your partner to account, like, look, we gotta be talking about this. This is an essential issue that touches every aspect of our lives. You want to buy a home? How are we going to do that without being on the same page financially? You want to have kids, how are we going to do that without being on the same page financially? You want to retire? How are we going to do that without being on the same page, financially start a business, et Cetera, right? It is that important. Um, and of course every day we're spending money. Every day we have bills to pay. Every day we buy lunch or groceries or whatever. So my, it's like we need to be holding our partners to account like, we need to talk about this. Right? Um, and you know, if they're hesitant, of course you want to bring compassion and love, you know, like why, you know, what comes up for you around this? Why, you know, where do you think your hesitancy comes from? Or like, why don't you like it? Um, you know, and there's, that's where having them do some mindset work and understanding their money story can be really powerful because there's a reason they don't want to talk about it. You know, like for example, men, we're socialized that our value is in providing for our family. And so if we feel like a conversation is implying that we're not doing that job well, um, not at a conscious level even, but like unconsciously, it just triggers like a sense of shame. Like, we're not good enough. We're not doing what we're supposed to do as a man. And that becomes like an existential crisis. Even though the man may be completely unaware that this is what's happening for him, it's nevertheless often what's happening. And so, you know, to be able to traverse that bridge and get to the other side is not always easy, but it takes some listening, some questions, some empathy, some understanding and some patients, um, and uh, of course women have their own ways that they're socialized about money. And that's like I said before, it's not just about gender, it's about race and sexual orientation. All of this stuff plays into how we see ourselves and how other people see us money. And so, uh, it takes a nuanced approach to really break through those barriers. Um, but the number one thing is to keep bringing your love, your empathy, your curiosity to that person. And it's honestly the same answer as if they're sabotaging the budget even if they agreed to it. Right. Cause if you just got them like you agreed to this budget and now you're sabotaging it, I mean you can, you know how that's going to go. It's not saying you shouldn't hold them accountable right in that spot. It's more like, hey, you know, I feel really like you want to kind of own your feelings. Like, I feel really anxious when I'm ICU using the debit card because we had agreed not to and this plan is really important for our future. So I get scared. We're not going to be able to have the life we want. I'm like, can you tell me what's going on there for you? Right. Like, ask an open ended question again. Like, can you tell me what's happening there for you? Like, or you know, like in a non accusatory way, just as much as, as neutrally as possible. Right. Because there's a reason they use that debit card. They may not know it, but there's some sort of reason that they did. Right. Um, maybe they just don't like being told what to do. Right. And again, that's an unconscious thing. And so they're acting out kind of like a teenager, but that's cause it's like, you know, childhood crap that, Ooh, excuse my language, but childhood that hasn't been, uh, hasn't been dealt with. Right. Um, and so there's a lot of important work to do around mindset, which is a lot of the work you're doing, which is why it's so great. It's really important to examine that stuff. That's great. I hadn't even thought about some of the subconscious things like that, so I'm really glad that you mentioned that. Um, so do you have any resources that you would recommend for couples? Um, either your stuff or you know, stuff that you highly recommend to kind of maybe help them work together to get on the same page? Books or workbooks or anything like that? Yeah, absolutely. So, uh, one place that you can find me is I have a Facebook community. It's totally free and there's, we're having all kinds of conversations like this all the time. It's called money and marriage, but instead of the word and it's not written out, it's the like symbol, the ampersand, some money and marriage a and for sure if you go and join there, let, let me know that you heard about me through this podcast and uh, that'll be exciting to see. And I partnered there with another financial coaches and expert with couples and she's more the tactical and practical expert and I'm the more emotional and communication experts. So we provide a real full spectrum of content there. Um, and I have, uh, another thing, uh, that I put together and perhaps we can link to it in the show notes or something like that is a, I call it the essential money conversation checklist. And so it's just eight steps that you want to take in each money conversation and you know, they're not what you'd think up front. You might kind of have a feel for what they are after listening to me speak here. But it's about like getting connected to your partner, making sure you're hearing and validating their feelings and then sharing your own and making sure that they understand where you're coming from. And then from there, once you two are actually on the same page emotionally and you're actually in partnership, that you really from there start to look for what compromise might be like, um, rather than trying to jump to it. You know, that's the number one thing I see couples want to go straight to the action items. And a lot of times there's some work beforehand that could really make it more powerful and more long lasting. So I'll definitely put that link out there for you all. You got the money and marriage Facebook group and if there's anybody listening who's like, you know what, I'd really love to work with Adam directly. I work with couples in a wide range of situations. Like I said, even people come to me where it's a really serious challenging topic that's leading to a lot of fights, intention, happy to work with you. Also couples who are like our relationships, great. Money's just a kind of difficult topic. We don't know a lot about it. Um, also work with those couples and uh, have specific content for engaged couples to plan the wedding, make sure that they are sticking to their budget, talk to the family about the spendings and families usually chip in and uh, also to help them merge their finances with their fiance. And then I have also a specific content for a first time home buyers to be able to get on the same page with their partner for what's gonna be the biggest and longest purchase of your life. You know, you want to make sure that front end. So I help people get on the same page with that and get on top of their finances. Oh, that's great. I will link to all those in the show notes as well. And just one last question. I like to always ask people what their favorite nonfiction book is. So whether it's, you know, related to couples of money or just something, um, you know, some kind of self-help improvement life improvement book. Uh, I probably should've warned you before so you could think about it. In college I took a course, I minored in philosophy and I took a course on the philosophy of science and I read a book called the structure of scientific revolutions. I think it's Thomas Kune and it was such like an incredible study of how scientific theories, uh, evolve and become the accepted theory. And then when the data starts to not, uh, fit, then how there's like this kind of interesting process that seems to repeat itself. And uh, then they eventually get replaced by a new theory that fits the data better. And I don't know, something about the way the world works and the way humans operate and like how there's like the zealots of the old theory and they try and cling to it even though the data's no longer fitting it and they try and change it to fit the data. And it's like, it just is a fascinating study of human psychology for sure. Um, but also right now I'm like reading, let's see how far into it I am. I just picked it up off of my table like maybe a quarter of the way through this book called the wisdom of insecurity by Alan Watts. And it's a remarkable piece. Like I can only read a couple pages at a time. It's just such a, so much depth of [inaudible]. I don't even know the book. It's really, it's really just about the nature of how life is fundamentally insecure and like, and uncertain and how we grasp for certainty and how that actually causes so much of our pain and suffering and about that we can actually live in love live in the moment live now if we relinquish that desire. And for me, someone who has dealt with a lot of anxiety and desire for security, that's a big, a kind of growth edge as they call it these days, like a place for me to expand. So I'm really getting a ton every time I pick up that book. That sounds really interesting and we're going to have to check that out. Yeah. Well thanks for coming on today. Do you have any last words of wisdom? You know, um, my pleasure. Again, thank you for having me. Um, what I really want to impart to the world is that having these dialogues can bring you closer in your relationships and people kind of stay away from the money conversation because they think it's going to go poorly and, um, they're going to just end up uncomfortable or fighting. And the truth is right. Like if you don't talk about it, that's what's going to eat away at your intimacy in your relationship, let alone your finances could very well be worse off. But it's by having these conversations and having them in a constructive, productive way, which is what, of course I am to support people in doing that, you can actually have a better life, stronger relationships, more freedom financially, and actually live in a line, a way that's more aligned with your values and your goals. That's awesome. Well, thank you so much for coming. It was such a pleasure to talk with you. My pleasure as well. Thanks, Ashley. Thanks. Special Guest: Adam H. Kol, J.D. .

Welcome to the Money Mindset Podcast where you will learn simple ways to improve your lfe and your finances. Resouces for you: Blog: Budgets Made Easy (www.budgetsmadeeasy.com) Beginners Guide to Budgeting (https://www.budgetsmadeeasy.com/budgeting-beginners-guide/) How to Stop Living Paycheck to Paycheck Guide (https://www.budgetsmadeeasy.com/stop-living-paycheck-to-paycheck/) Full Transcript: Welcome to the money mindset podcast where you will find the inspiration and motivation you need to manage your money better than you can stress less as living the life you want. I'm Ashley Patrick, founder of the money mind mindset podcast in budgets made easy. This is your place to get the tools, knowledge, and inspiration to improve your finances and your life. My mission [00:00:30] is to inspire and motivate you to take the steps toward becoming debt free and building real wealth. That can seem overwhelming at first, but when you break it down into simple steps and focus on just one thing at a time, the possible the impossible becomes possible. The important thing is to take small steps in the right direction and you will get there, but it all starts with changing your [00:01:00] mindset around money. Believing that you can do something is half the battle. Once you believe that you can do it, then you can take the steps and make the plan to actually do it. If you don't truly believe that you can do something, then why would you even try? That's why I am focusing on changing your mindset so that you can change your life. It all starts there. No matter what your financial goals are, whether it says stop living paycheck [00:01:30] to paycheck, whether you want to save money, pay off debt, save for your kid's future, you have to believe that you can do it and that you, that it is really an option for you, which spoiler alert it is. So that's what I will be focusing on in this podcast along with tips on budgeting, saving money, and paying off debt so you can stress less and live the life you really want because that's what I really want for you. [00:02:00] And that's what my mission and my goal and my whole focus is for you, is to get you to change your mindset around money so that you can get past that first hurdle and make the changes and take the steps to really take control over your finances and your life so that you can do what you want to do. I mean, because that's what happened for me. So dinner news myself real quick. You know, a couple of years ago I was an extremely [00:02:30] stressful job. I was a police officer or detective for 10 years, you know, I wore child abuse cases in things that people don't want to, you know, even think that exists in this world is incredibly stressful to kids sitting in traffic just just to get to work and back home. Like traffic is ridiculous around here, you know, and I really wanted options and the only way to do that was to pay [00:03:00] off my debt. Once I was able to pay off my debt, which will be in more detail in the next episode, $45,000 in 17 months, I was able to have the freedom to make the choice to stay at home with my kids. Once I had my third child and if I still had debt, I wouldn't have even had that option. There's no way I would've been able to stay home. So being at free gives you options. It gives you freedom. You get to do what you want to do. If you want to be able to take [00:03:30] a different road in life, go try something new. Try a different job. It gives you the ability to do that. Um, it gives you the freedom to be able to make choices based on what you want instead of what you have to do to pay the bills. So that's a little bit about myself. Uh, my ma, my website and all my social handles, everything is budget's made easy. So it's budgets made easy.com. You can get all kinds of freebies. I've got a budget worksheets, I've got, um, you know, [00:04:00] how to stop living paycheck to paycheck guide, uh, debt, snowball worksheets, you know, everything is there. There's also the budget challenge, which is a seven day pay, what you want, budget challenge, which is actually pretty neat and I really love this idea. So the idea behind it is that you pay what you want, minimal of $5, because you do need to have some skin in the game and some motivation to actually follow through. And so that is why I did pay what you want because [00:04:30] you need to choose an amount that will motivate you and get you to actually do it and follow through with it. It's broken down into tiny little baby steps every single day, seven days. Like even the seven days is not even making your budget. Your budget is like three days worth. So you know, you can have your budget ready to go and just a couple of days without the stress and the overwhelm of knowing where to start. This is where [00:05:00] you start. So the biggest thing people tell me is, I'm overwhelmed. I don't know how or where to start. This is where you do it. Budgetsmadeeasy.com/budget-challenge and you can get started today, have your budget done in just a couple days. Get past that overwhelm, get past that mindset block and just get started. Just do it. Okay, so in the next episode and going forward, I will be talking about how we paid off the debt so that you can do it [00:05:30] to debt payoff, tete tips, tips on budgeting, saving money. I've got lots and lots of guests, uh, that we've already started recording interviews. So I'm so excited about that. You get to hear about how other people paid off debt and how they're managing their money in such a way that it works for their family and their life. And that's another thing before I get off here that I want to really stress to you, myself and Dave Ramsey and Susie Orman, everybody, [00:06:00] you know, they give you general advice, good budget tips, good money tips, but it's personal. It's why they call it personal finance. So what works for one person may not work for you. You need to do the research and, and you know, look at how different people do things and figuring out what's gonna work best for your family. Because you know, you may need to save more than a thousand dollars is your starter [00:06:30] emergency fund. You may need to pay off something that is in a different order than the debt snowball and that will go into what all that means in more episodes. But you just really have to focus on your situation, see what will work for you and what will motivate you to start and keep going and finish. Cause that's the most important thing. As long as you keep moving in the right direction, you will get there. You may not get there as fast as [00:07:00] me or somebody else, or maybe you will. Maybe you don't have as much debt as I had. You know, everybody's situation is a little bit different, so don't compare your journey to somebody else, but you just need to get started. Keep going, stay motivated. And that is what this podcast and what I'm all about. I am so excited to get started on this journey with you. Be sure to check out budgets made easy.com for all your helpful resources on getting started by [00:07:30] making your budget, working on your mindset, planning your goals, and everything in between. To get started on your budget, go to budgetsmadeeasy.com/budget-challenge and get started working on your budget and planning out your goals today. Be sure to check out the links in the show notes for all your helpful resources. And the next episode I will be talking about how we paid off $45,000 in debt in just 17 months. [00:08:00] I'll see you there.

Today we discuss the AAMC's MCAT prep resources, updates to the interface and functionality, and how to get the most out of your practice material. Links:

On this 2-part episode, we were joined by RaeAnna Goss, singing teacher, homeschool graduate, homeschooling mother, and Charlotte Mason follower, who has created Solfa Sofa, an early years approach for introducing singing in a CM-friendly way. We were also joined by Crystal Hosea of The Legends of the Staff of Musique, but we invited Crystal back for another episode about her own CM approach to combining story and music, which will air in a couple of weeks. Other ideas and resources mentioned in the podcast: 0:00 Introductions4:25 The Curwin approach, Tonic Solfa, and the Modulator9:50 Difference between Curwen and Kodály, and why Raeanna supports Kodály11:15 What is the Kodály approach?14:30 What would a singing lesson look like in CM's time? 3 minutes of voice training5 minutes of modulator practice3 minutes of sight singing7 minutes of rhythm work4 minutes of ear training8 minutes to practice songs17:58 John M. Feierabend and Conversational Solfege"Children should be tuneful, beatful, and artful."20:28 An overview of the progression of singing through Forms 1 and 224:25 Resouces at Solfa Sofa that can help with early years26:30 Forms 3 (part-songs and rounds), and higher (descants, classical repetoire)28:55 Losing joy in singing and moving more into theory and other music approaches (PNEU article: A Few Remarks on Teaching Music by W.H. Leslie)33:14 Perfect Pitch and Moveable Doe35:05 Shortening Form 1 lessons and help them find their singing voice

Because of the chronic relapsing nature of inflammatory bowel disease (IBD), emergency clinicians frequently manage patients with acute flares and complications. IBD patients present with an often-broad range of nonspecific signs and symptoms, and it is essential to differentiate a mild flare from a life-threatening intra-abdominal process. Recognizing extraintestinal manifestations and the presence of infection are critical. This episode reviews the literature on management of IBD flares in the emergency department, including laboratory testing, imaging, and identification of surgical emergencies, emphasizing the importance of coordination of care with specialists on treatment plans and offering patients resources for ongoing support This episode of EB Medicine’s EMplify podcast is hosted by Jeff Nusbaum, MD, and Nachi Gupta, MD, PhD. This month’s corresponding full-length journal issue of Emergency Medicine Practice was authored by Dr. Michael Burg and Dr. Steven Riccoboni. It was peer reviewed by Dr. Andrew Lee and Dr. Chad Roline. Links and Resouces: http://www.ebmedicine.net/topics.php?paction=showTopic&topic_id=559 - Management of Inflammatory Bowel Disease Flares in the Emergency

COPD has huge economic and human burdens in the US. In fact, in 2010, two studies estimated that COPD exacted a direct and indirect cost of somewhere between $36 and $50 billion dollars in the US. With respect to the ED – in 2011, there were more than 1.7 million ED visits for COPD-related problems, with nearly 1/5th requiring hospitalization.   This episode of EB Medicine’s EMplify podcast is hosted by Jeff Nusbaum, MD, and Nachi Gupta, MD. This month’s corresponding full-length journal issue of Emergency Medicine Practice was authored by a strong team from the University of Maryland: Drs. Van Holden, Donald Slack, Michael McCurdy, and Nirav Shah. It was peer reviewed by Dr. Gabriel Wardi of the University of California San Diego and Dr. Geralda Xavier of Kings County Hospital in New York City. Links and Resouces: http://www.ebmedicine.net/topics.php?paction=showTopic&topic_id=557 - Diagnosis and Management of Acute Exacerbation of Chronic Obstructive Pulmonary Disease

In this exclusive interview, Bob Moriarty the Founder of 321Gold and 321Energy sits down with Maurice Jackson of Proven and Probable to discuss the latest press release issued by Novo Resources outlining samples at over 2 Ounce of Gold Per Ton! This interview is time sensitive for speculators as Bob Moriarty outlines the significance of the sample results and the value proposition it may convey for speculators

My Sister My Friend

~ Trenton Kaminski's Segment Topics * Why Trenton built such an extensive rainwater system * How much research it took to build this system/li> * How quick you could pull together one of these systems * Surprising life lessons in building a business and being an entrepreneur * Things to consider when starting to build a rainwater system * Total cost of project $150 - $800 - $1,600 * How many people it takes to build a rainwater collection system like Trenton's * How to choose the right IBC Totes for a rainwater collection system * How to tell if IBC totes have been used to transport chemicals * How to get water tested and the truth about the water you’re already consuming * How to cover the IBC tanks and keep algae from growing * What’s the best type of IBC connector to look for * What’s the right size of IBC and connection to go with * How much filtration do you really need in a rainwater collection system * How to properly use a UV sterilization system * How to build redundancy into your purification system * What is the first flush and how do you build one * How big should a first flush be * Solar Powered Pumping system ~ Mark "Merriwether" Vorderbruggen Ph.D. Segment Topics * Mechanical vs Chemical water purification, sanitation, and treatment. * Different ways to purify water * What activated charcoal actually is * How to build an emergency charcoal water-filter ~ Become a supporting member here: http://www.itrh.net ~ Resouces from the Rainwater Episode: http://www.intherabbithole.com/e142/

Join us as we talk to survivors of child abuse.

Join us as we talk to survivors of child abuse.

Our guest will be talking about child abuse and sharing her experience of being a survivor of child abuse.

Our guest will be talking about child abuse and sharing her experience of being a survivor of child abuse.

Join us as we catch up with all of today's news.

Join us as we catch up with all of today's news.

Join us as we talk about current events. We will do all of this in 30 mins. Join us.

Join us as we talk about current events. We will do all of this in 30 mins. Join us.

Join us as we talk to Ms. maat about her literary work and get her opinion on the state of of school systems. We will also talk about the latest news on the Rutgers webcam trial and the Treyvon Martin case. Join us!

Join us as we talk to Ms. maat about her literary work and get her opinion on the state of of school systems. We will also talk about the latest news on the Rutgers webcam trial and the Treyvon Martin case. Join us!