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Episode 655 | Adriel Sanchez and Bill Maier answer caller questions. Show Notes CoreChristianity.com   1. What does it mean to “walk in sin,” and how is this different from sinning occasionally as Christians? 2. Can you elaborate on a biblical view of justice and social justice and how it relates to those who are marginalized? 3. Are the miraculous gifts of the spirit for today? 4. Is Replacement Theology biblical? Today’s Offer Inner Core Request our latest special offers here or call 1-833-THE-CORE (833-843-2673) to request them by phone. Want to partner with us in our work here at Core Christianity? Consider becoming a member of the Inner Core. Resources Episode 459: How Should Christians Respond to Racism?

With the GameStop incident further escalating we have been getting more questions about the whole situation. So we dedicated this episode to reviewing some of the specific areas related to short a squeeze. In today’s episode Grant dives into how short squeezes work, the controversy around Robinhood’s decision to suspend trading activities, the impact short selling has on our market, whether short selling should be banned, and more. [02:24] The Market in the Last Week – Grant reviews the recent events related to GameStop stocks and how the incident created interest in the investment community about short selling. [04:38] Short Squeeze – How short squeezes are created, and why short squeeze situations come with the risk of unlimited loss. [10:45] Short Selling – How short selling works, the parties involved in short selling, and the role brokers play in short selling. [17:40] Lending Shares – How lending shares leads to situations where there could be more shares short than shares exist in the market. [23:39] Margin – Going on margin allows you to buy stocks worth more than the money you have. But it also can add fuel to the fire in short squeezes. Grant dives into how it happens and what you should keep in mind about going on margin. [28:05] Robinhood’s Trading Suspension – Amidst the chaos created by the GameStop incident, the stock trading platform Robinhood suspended buying shares. Grant shares his take on the legitimacy of this practice and the purpose of doing it. [31:28] Should Short Selling be Allowed? – Grant shares his take on the debate around whether we should get rid of short selling.   Resources: Episode 63 - GameStop, Gamma Vortex, and Confirmation Bias podcasts.apple.com/lk/podcast/gamestop-gamma-vortex-and-confirmation-bias/id1489821030?i=1000507563780 My Take On Short Selling: abovethecanopy.us/my-take-on-short-selling/

Welcome to episode 178 of the Final Surge Podcast where we welcome back Martin Hehir. We had Martin on the podcast almost 4 years ago when he was a year out of college and running with the NAZ Elite team in Flagstaff. Today he is in Philadelphia, going to medical school, getting ready for his residency and has two kids. Yes he is still running though and recently won The Marathon Project race with a sub 2:09. We talk to him about his training and how he pulled that off with everything going on in his life right now. 1:25 Since the last time we had you on you left to go to medical school, can you bring us up to date? 2:58 You got married, go to medical school, had a couple of kids, what has been the hardest part of all that while still training? 4:01 You wanted to continue the running, was there ever a worry you wouldn't have the time? 5:45 When you graduate school are you expecting to still have the time? 6:49 You have been blessed with some amazing coaches, how is it being teamed back up with Coach Fox? 7:52 Fox and Rosario are both successful, but different coaches, what is the biggest difference you have noticed? 12:30 You mentioned other guys, NAZ seems like a tight team, right now you are with a team, but training on your own. Has that been a struggle? 14:00 Your in medical school so what was your reaction when you heard about this virus? 15:16 How did it impact your running? 16:35 How long of a break did you end up taking after the Trials? 18:30 Was there anything on the schedule or not yet? 19:38 You said early Sept you were out of shape, how long did it take you to get back in shape? 20:45 When you have a 20 mile day what does that day look like for you with everything going on? 23:30 Come November did your milage stay the same at 100 miles a week? 24:32 At what point did you realize it could be a big day? 26:10 There was a group of men in the 2:09 range, was it perfect race and perfect conditions or is this the new standard? 28:14 How were those last two weeks leading up to the race? 29:25 Walk us through the race 32:31 With only 4 miles it doesn't sound like much, but those 4 miles are the longest part of the race. What was your thinking when you went to the front? 33:56 At that point did you feel like you could hold on for another 5k? 34:41 What were your thoughts as you crossed the finish line? 35:27 I know with your residency coming yp is going to change things, but did this year change your outlook? 36:45 If you were looking forward ahead to this year is there a plan you would like to see happen? 37:39 What do you see as the vision for the Rebook Group you run with? 39:17 Do you think it will be more of a 10k and marathon group?   Resources Episode 36 with Hehir Martin Heir on Twitter Martin Heir on Instagram Final Surge Final Surge Instagram Final Surge Twitter Final Surge Facebook Final Surge Website

Wrapping Up 2020: The Most Important Life Lessons and Takeaways with Tessa Tovar The year 2020 has brought to the surface invaluable truths that we would not have otherwise discovered. By turning our lives upside down, the pandemic taught us the value of what we take for granted and highlighted what is truly important. Tess joins me in this special year-end episode to reflect on the year that has passed. We each share our top three lessons from 2020. We also discuss how to discern from a place of wisdom and become aware of our ego.  If you want to learn useful insights to help you face the year ahead, tune in to the full episode. Here are three reasons why you should listen to the full episode: Discover our top three lessons from 2020. Learn how to slip into a place of discernment. Recognize the importance of becoming aware of your ego and owning up to uncomfortable feelings.  Resources: Episode 269 with Jess Devenport of Paintillio Learn more about Paintillio The Book of Awakening: Having the Life You Want by Being Present to the Life You Have by Mark Nepo Episode Highlights Holiday Insights Although Christmas might be different this year, it’s still possible to create that spirit of community and giving. Don’t forget to give yourself a present this year, too. Rosie’s gift to herself is disconnecting from technology. Tess recalls fond childhood memories of Christmas and reflects how she can recreate that atmosphere this year. Meditative Practices For Rosie, painting by the numbers is a meditative practice. On her part, Tess slips into meditation by writing poetry and knitting. A passage from Mark Nepo’s book highlights the significance of remembering and forgetting, emphasizing the importance of stillness and surrender. Tess’ Biggest Lessons Tess realized that instead of running around and trying her hardest to tick her to-do-lists, sitting still was more productive. Even though she doesn’t chase after opportunities, they come her way regardless. Tess also discovered that she didn’t like sharing her food. Tess continues to explore different eating modalities as she learns more about her body. Rosie’s Biggest Lessons On her part, Rosie discovered that she could work from home effectively by creating a schedule and sticking to it. Second, she learned that you can still make mistakes even if you’re working on improving yourself. Instead of ignoring her flaws, she is slowly learning to accept them. Any sort of change and transformation is highly uncomfortable. Even as Rosie tries her best to get pregnant, she is still probing the motivations behind her desire to be a mother. She’s learning to surrender her attachment to what she believes her life ought to be. Catching Yourself Your mental state affects your ability to practice mindfulness, and falling victim to that reactionary impulse. There are three voices in your head. The first is impulsive, the second voice calls for restraint, and the third is the voice of wisdom. For Rosie, it’s not a matter of right or wrong but learning to observe the situation from a place of discernment. Since we are egocentric beings, it can be hard to find and listen to that third voice. Rosie admits that she occasionally catches herself listening to the first and second voices. However, she knows what to do to pull herself out of a negative spiral. Taming The Ego Your ego is the primary source of your emotional upheaval. Learn to discern when it’s the right time to speak up and use your voice. Your emotional distress may not be evident to your partner. Find a healthy way to express that energy. Otherwise, those feelings will fester and affect your relationship. Although becoming aware of your ego can be uncomfortable, it is also a humbling experience. 5 Powerful Quotes [TESS] 16:46 “I realized that all the things that I was running around doing, kind of the frenetic to-do list wasn't as necessary as I thought it was. As I stopped driving back and forth in town like a ping pong ball and sat a little bit more still and just, you know, stayed home more, I realized that was enough.” [TESS]17:33 “I do believe that the universe is on my side. And that if there's something that I need to come to me, it will. So that's one thing that 2020 has taught me.” [ROSIE] 23:17 “By no way do I have things figured out. And I often see my defects of character. And I always strive to work on the things that aren't serving my highest good, but I learned to actually accept that this year as opposed to just bypassing it.” [ROSIE] 29:24 “So it's not a choice of doing what's right or doing what's wrong. It's really a matter of how can you observe the situation from a wise place, from a place of wisdom and truly a place of discerning.” [ROSIE] 33:35 “That energy needs to be expressed one way or another. Our emotions need to be fully realized in order for them to have a complete cycle, or they're going to live inside your body.” About Tess Tessa Tovar is a yoga instructor with over 500 hours of Yoga Teacher Training through 5-Star Yoga Alliance Rated YogaWorks Programs. Tess also has a certification in Health Coaching from the Institute of Integrative Nutrition (IIN). She is Level I & II Reiki Certified and is a Living Yoga Trauma-Informed Certified Teacher. Tess is also a lead trainer of Radically Loved workshops and training programs. If you want to reach out to Tess, you can visit her website, Facebook, Twitter, and Instagram.   This episode is brought to you by NATIVE. www.NativeDEO.com/loved Get 20% your first order.  Use code loved.   Enjoy The Podcast? If you felt radically loved from listening to this podcast, subscribe and share it with the people you love! Love to give us 5 stars? If you do, we'd love a review from you. Help us reach more people and make them feel loved. Do you want to help people achieve their spiritual goals through cooking with love? A simple way is to share what you've learned today on social media. Don't forget to follow and message us on these platforms! Instagram: https://www.instagram.com/rosieacosta Twitter: https://twitter.com/rosieacosta Facebook: https://www.facebook.com/radicallylovedrosie TikTok: https://www.tiktok.com/@itsrosieacosta  To feeling radically loved, Rosie    

Wrapping Up 2020: The Most Important Life Lessons and Takeaways with Tessa Tovar The year 2020 has brought to the surface invaluable truths that we would not have otherwise discovered. By turning our lives upside down, the pandemic taught us the value of what we take for granted and highlighted what is truly important. Tess joins me in this special year-end episode to reflect on the year that has passed. We each share our top three lessons from 2020. We also discuss how to discern from a place of wisdom and become aware of our ego.  If you want to learn useful insights to help you face the year ahead, tune in to the full episode. Here are three reasons why you should listen to the full episode: Discover our top three lessons from 2020. Learn how to slip into a place of discernment. Recognize the importance of becoming aware of your ego and owning up to uncomfortable feelings.  Resources: Episode 269 with Jess Devenport of Paintillio Learn more about Paintillio The Book of Awakening: Having the Life You Want by Being Present to the Life You Have by Mark Nepo Episode Highlights Holiday Insights Although Christmas might be different this year, it’s still possible to create that spirit of community and giving. Don’t forget to give yourself a present this year, too. Rosie’s gift to herself is disconnecting from technology. Tess recalls fond childhood memories of Christmas and reflects how she can recreate that atmosphere this year. Meditative Practices For Rosie, painting by the numbers is a meditative practice. On her part, Tess slips into meditation by writing poetry and knitting. A passage from Mark Nepo’s book highlights the significance of remembering and forgetting, emphasizing the importance of stillness and surrender. Tess’ Biggest Lessons Tess realized that instead of running around and trying her hardest to tick her to-do-lists, sitting still was more productive. Even though she doesn’t chase after opportunities, they come her way regardless. Tess also discovered that she didn’t like sharing her food. Tess continues to explore different eating modalities as she learns more about her body. Rosie’s Biggest Lessons On her part, Rosie discovered that she could work from home effectively by creating a schedule and sticking to it. Second, she learned that you can still make mistakes even if you’re working on improving yourself. Instead of ignoring her flaws, she is slowly learning to accept them. Any sort of change and transformation is highly uncomfortable. Even as Rosie tries her best to get pregnant, she is still probing the motivations behind her desire to be a mother. She’s learning to surrender her attachment to what she believes her life ought to be. Catching Yourself Your mental state affects your ability to practice mindfulness, and falling victim to that reactionary impulse. There are three voices in your head. The first is impulsive, the second voice calls for restraint, and the third is the voice of wisdom. For Rosie, it’s not a matter of right or wrong but learning to observe the situation from a place of discernment. Since we are egocentric beings, it can be hard to find and listen to that third voice. Rosie admits that she occasionally catches herself listening to the first and second voices. However, she knows what to do to pull herself out of a negative spiral. Taming The Ego Your ego is the primary source of your emotional upheaval. Learn to discern when it’s the right time to speak up and use your voice. Your emotional distress may not be evident to your partner. Find a healthy way to express that energy. Otherwise, those feelings will fester and affect your relationship. Although becoming aware of your ego can be uncomfortable, it is also a humbling experience. 5 Powerful Quotes [TESS] 16:46 “I realized that all the things that I was running around doing, kind of the frenetic to-do list wasn't as necessary as I thought it was. As I stopped driving back and forth in town like a ping pong ball and sat a little bit more still and just, you know, stayed home more, I realized that was enough.” [TESS]17:33 “I do believe that the universe is on my side. And that if there's something that I need to come to me, it will. So that's one thing that 2020 has taught me.” [ROSIE] 23:17 “By no way do I have things figured out. And I often see my defects of character. And I always strive to work on the things that aren't serving my highest good, but I learned to actually accept that this year as opposed to just bypassing it.” [ROSIE] 29:24 “So it's not a choice of doing what's right or doing what's wrong. It's really a matter of how can you observe the situation from a wise place, from a place of wisdom and truly a place of discerning.” [ROSIE] 33:35 “That energy needs to be expressed one way or another. Our emotions need to be fully realized in order for them to have a complete cycle, or they're going to live inside your body.” About Tess Tessa Tovar is a yoga instructor with over 500 hours of Yoga Teacher Training through 5-Star Yoga Alliance Rated YogaWorks Programs. Tess also has a certification in Health Coaching from the Institute of Integrative Nutrition (IIN). She is Level I & II Reiki Certified and is a Living Yoga Trauma-Informed Certified Teacher. Tess is also a lead trainer of Radically Loved workshops and training programs. If you want to reach out to Tess, you can visit her website, Facebook, Twitter, and Instagram.   This episode is brought to you by Optimize. http://www.optimize.me/loved Get a 14 day free trial at optimize.me/loved and use the coupon code DEEP if you decide to sign up after your trial you’ll get 10% off. If you want more depth, Optimize will help you get there.       Enjoy The Podcast? If you felt radically loved from listening to this podcast, subscribe and share it with the people you love! Love to give us 5 stars? If you do, we'd love a review from you. Help us reach more people and make them feel loved. Do you want to help people achieve their spiritual goals through cooking with love? A simple way is to share what you've learned today on social media. Don't forget to follow and message us on these platforms! Instagram: https://www.instagram.com/rosieacosta Twitter: https://twitter.com/rosieacosta Facebook: https://www.facebook.com/radicallylovedrosie TikTok: https://www.tiktok.com/@itsrosieacosta  To feeling radically loved, Rosie  

It is okay to say no. It is a complete sentence and it is fully within your right to tell others no when you’re being asked to do things that do not serve you. Which is why I’m sharing my tips and tricks for canceling the hustle culture and taking better care of yourself.    It is okay for you to do anything you need to do to protect your peace, safety, freedom, autonomy, and your bank account. You should be prioritizing those people who are meaningful and important in your life. Hint: one of those people should be you.    So it is okay for you to say no.    You also need to drop the excuses. We make so many excuses for why we allow others to impede in our lives and our careers when they have no business being there. Listen as I share my list of excuses that you can no longer use.    It’s never too late to make the changes you want to see in yourself and your life. If you’re done with the hustle culture and ready to start feeling more fulfilled in your work and life, then listen in and start taking steps to make this life your best life.   “Hustle and burnout culture keep us from our truest fulfillment.” Dr. Errin Weisman   In this episode: [01:51] Get off the hamster wheel! Learn ways to get off and stay off. [05:13] It is ok to do whatever you need to do to protect your peace, your safety, your freedom, your autonomy and your bank account. [06:29] No more excuses! My list of excuses that you can’t use anymore. [09:22] You are never too late to make the changes you want to see in your life. [13:37] Hear a story about a friend of mine that used her rent money to invest in herself. [19:46] I believe that a no just means not right now. [21:26] Thank you for listening!   Links and Resources Episode 235 - Rules with Dr. Devon Gimbel   3 WAYS TO GET INCREDIBLE HELP AT LOW-COST!!! Buy my Kindle Book, Doctor Me First, on Amazon Become an official patron of Doctor Me First HERE (https://www.patreon.com/doctormefirst) and find support & community! Join us for our Monthly Burnout Masterclass Series. Schedule a call with Errin HERE Wanna be on this podcast: Schedule HERE Email Errin HERE

After weeks of delay caused by legal battles surrounding the election, at this point, all signs point to the fact that Joe Biden will be inaugurated as the President of the United States of America. As we discussed in detail in a previous episode, Joe Biden's tax plan contains tax reforms that affect taxpayers in numerous ways. In today's episode, Grant dives into some of the tax planning opportunities you should consider in the coming months. [01:42] The Process of Reforming Tax Rules –  How the current political situation and the pandemic may affect Jo Biden's plan to reform the tax code. [07:22] Retirement Plans – Biden's tax plan includes a new tax credit scheme for 401k plans. Grant reviews what comes under this change and how it may affect people in different tax brackets. [09:46] Itemized Deductions – How the proposed provisions for itemized deductions leave us in a unique situation and what it means for taxpayers. [15:06] Accelerating Income and Deductions – Why you should focus on accelerating income and deductions in the coming months. [17:29] Tax Credit for First Time House Buyers – Grant shares his take on the new tax credit scheme and how to make it beneficial to you. [19:02] Student Loan Forgiveness – Grant talks about some of the speculations around Biden's plan for student loan forgiveness under the federal student loan program. [22:00] 1031 Exchanges – How the provisions in section 1031 of the tax code work and how eliminating section 1031 may affect the real estate industry. [29:16] Long-term Capital Gains – What Biden's tax plan means for long-term capital gains of high-income earners and how to minimize the effect of this proposed tax reform. [33:51] 401k Plans for Small Businesses – Why small business owners may want to rethink their 401k plans entirely.   Resources: Episode #43: An Objective Review of the Biden Tax Plan: growmoneybusiness.com/podcast/x9ykf9576e352jd-xs3l5-l355n-pc3nj-4l3tz-fsye7-g9gha-tdcyt-b7r9a-wja6y-ksbz4-9nlgl

Imagine you have a relationship with your father for many years, then find out there are family secrets that will dramatically change your relationship and life. Stepfamily instability can bring confusion and shame to both children and adults. But God works in and through imperfect people and families. Listen to Ron Deal's conversation with Ray and Robin McKelvy and how God's love and grace brought resilience and redemption to their stepfamily story. Show Notes and Resources Episode 2: Life in a Blender with Dave and Ann Wilson.  https://www.familylife.com/podcast/familylife-blended-podcast/2-life-in-a-blender-dave-and-ann-wilson/ Episode 14: In Their Shoes with Lauren Reitsema.  https://www.familylife.com/podcast/familylife-blended-podcast/14-in-their-shoes/ Episode 28: Growing Up in a Blender with David Bowden and Ryan Guinee.  https://www.familylife.com/podcast/familylife-blended-podcast/28-growing-up-in-a-blender/ Learn more about Robyn McKelvy and her ministry. https://robynmckelvy.com/ You can get the poem Ray quoted, The Secret, in Robyn's book SOS: Sick of Sex. https://robynmckelvy.com/books/ Check out the Blended Family Ministry Map to find ministries and events in your area. https://www.familylife.com/familylifeblended/find-an-event/#blendedmap Learn more about the online courses FamilyLife has to offer. https://www.familylife.com/learn Your generous support of FamilyLife helps create podcasts like the FamilyLife Blended® Podcast. https://donate.familylife.com/familylife-blended/

Mia and Dinah give you top hacks for planning for Christmas in the time of COVID-19. They talk about how coronavirus will likely impact our plans for Christmas this year including:   budgets being impacted due to the job and income loss facing many families limits to numbers of people at indoor and outdoor parties and events unprecedented demand for online shopping and likely postage delays travel restrictions changing who you may be able to spend Christmas with more time at home. Mia and Dinah refer back to earlier podcast episodes on Preparing for Christmas (ep 21) and Simplifying Gift Giving (ep 16)  to reflect on key things that help smooth the way including: planning early to reduce the stress establishing and refreshing Christmas tradition reference lists drawing on established life admin techniques including to-do lists, scheduling and decluttering. They also discuss that for some people preparing for Christmas may feel really overwhelming due to the professional and personal burnout they have been facing this year. It will be important for people to complete the 'stress cycle' to rejuvenate before starting their Christmas preparations. Dinah talks about her plans so far including: making a contingency travel plan in case travel restrictions remain making a gift spreadsheet including all the people she needs to buy for, what to buy, who will buy and the budget per person starting her shopping for the kids putting together an album of photos on her phone to start making some photo gifts  having a family discussion about the traditions her family want to keep and making sure the traditions they are keen on are scheduled or put in her to-do list scheduling a time in her shared calendar for putting up the Christmas tree and making a gingerbread house making sure she has enough Christmas cards so she is not tempted to buy any more adding a to-do list task for making homemade Christmas baked good for her neighbours. Mia talks about her plans so far including: thinking about the likely plans for hosting Christmas lunch planning to buy decorations for her new home since she separated with her husband setting up a gift spreadsheet together with her ex-husband to start thinking about what to buy family members ordering some new Christmas books making a Christmas movie reference list so she can start adding movies for her to watch with her children in the lead up to Christmas. RESOURCES Episode 21 - Preparing for Christmas Episode 16 - Simplifying Gift Giving  Podcast - Unlocking Us - Brené with Emily and Amelia Nagoski on Burnout and How to Complete the Stress Cycle Book - Letters from Father Christmas - J. R. R. Tolkein Book - Joy at Work, Marie Kondo and Scott Sonenshein SHARE Please head to the Life Admin Life Hacks Facebook page to connect with listeners and share your thoughts, questions or suggestions.

This week on the Grow Money Business podcast we have another mailbag episode. Grant covers four questions from our listeners about Social Security benefits, the future of value investing, distribution strategies for retirement, and saving for your kids' higher education. If you have more questions you'd like us to cover, visit growmoneybusiness.com, and drop your questions in the Mailbag section. Grant will answer your questions in a future episode.   Question 01 - Social Security claiming rules with regard to spousal versus survivor benefits. [01:56] Eligibility & Monthly Benefit – Grant reviews the eligibility criteria for claiming Social Security benefits and the process of calculating your monthly benefit. [06:10] Filing for Benefits – How the age of retirement affects your monthly benefit and things you should keep in mind when deciding the optimal time to file for Social Security benefits. [08:44] Spousal Benefits – How a couple with different income levels could plan their retirement in a way that gets them the maximum benefits. Question 02 – "Do you think value investing is dead?" [15:32] Performance of Value Stocks – Grant shares his take on how value stocks performed compared to growth stocks over the years and why value investing is not dead. Question 03 - "What is the optimal distribution strategy if you're retiring at 65?" [25:48] Building Your Strategy – Grant shares several factors you should consider when building your distribution strategy and how to communicate with your spouse about planning your retirement. Question 04 – "How are you playing the 529 game for your kids?" [30:37] 529 Plan – How the 529 plan works, how tax laws in different states affect 529 plans, and things to keep in mind when setting up 529 plans for multiple kids. [36:12] Grant's Strategy – Grant shares how he optimizes his strategy to match his specific requirements and how you can prepare for future changes in the education system.   Resources: Episode #46: A Beginner's Guide to Factor Investing: growmoneybusiness.com/podcast/x9ykf9576e352jd-xs3l5-l355n-pc3nj-4l3tz-fsye7-g9gha-tdcyt-b7r9a-wja6y-ksbz4-9nlgl Episode #44: Using Asset Location to Improve Investment Returns: growmoneybusiness.com/podcast/x9ykf9576e352jd-xs3l5-l355n-pc3nj-4l3tz-fsye7-g9gha-tdcyt-b7r9a-wja6y-ksbz4-9nlgl

About this episode Today, we have special guest Ngina Otiende of Intentional Today, and we're talking about... Our most vivid memories of our weddings or first few months of marriage. When did reality set in that marriage might take more work than you initially thought? Now, bringing the conversation back to our mission of speaking candidly about God’s design of sexual intimacy, what is one newlywed obstacle you can speak to and give advice in overcoming? What is one piece of sexually intimate advice you’d give to a bride today? Sponsors Buy or Learn More Share the Soap sharethesoap.com Newlywed Set Prepared Especially for Our Listeners Use coupon code FCW for 20% off your first purchase. Existing customers can use coupon code FCWspecial for 15% off. Carefree Organics Skincare Carefree Organics was established in 2013 by a boy mama of 3 to provide clean products for all concerned mothers and entire families. In starting small, the company has gone from just 5 basic products to high-end skincare, a baby/spa line, hair care, new cosmetics, supplements, and even mood-enhancing aromatherapy. There is truly something for everyone. Check out carefreeorganics.com and use coupon code FCW20 for 20% off one purchase. Use FCW20 for 20% off your purchase. https://www.carefreeorganics.com From the Bible "...Neither the sexually immoral nor idolaters nor adulterers nor men who have sex with men nor thieves nor the greedy nor drunkards nor slanderers nor swindlers will inherit the kingdom of God. And that is what some of you were.  But you were washed, you were sanctified, you were justified in the name of the Lord Jesus Christ and by the Spirit of our God." ~ 1 Corinthians 6:9-11 Resources Episode 32: Advice For Our Newlywed Selves Free Access To "Subscriber Only" Resources - Ngina Otiende How To Navigate Conflict In Marriage - Ngina Otiende What Newlyweds Should Know About Married Sex - Bonny's OysterBed7 A Letter To My Newlywed Self (Age 20) - Bonny's OysterBed7 A Letter to My Newlywed Self: Age 25 - Hot, Holy & HumorousWhat I Wish I’d Known Before the Wedding Night - Hot, Holy & Humorous Wedding Tips for Bride - Hot, Holy & Humorous store item Visit our website: forchristianwives.com

Opening a micro-school is no easy task; it’s a business with all the cogs and parts involved in any business. There’s funding to think about, location, support staff and teachers. But there’s a shortcut available, especially for those with a relationship to an existing school or business. This is actually how I opened my first micro-school, a school-within-a-school, in a large Washington State high school. The facility, money, teachers, students, and other resources were already there. I just needed to reconfigure the learning model to fit my group of learners.This episode of the Education Evolution podcast includes examples of how you might take a shortcut when opening your own micro-school, why you might want to open a micro-school, and what you should do first (or next).And to get started on your own, grab a copy of my book or book a call with me. I have firsthand knowledge and experience in starting and running successful micro-schools across the globe.Jump Through the Conversation[4:05] Why have a school-within-a-school?[7:01] Why it is important to get smaller and more personalized[10:11] Five steps to take[12:29] My Magic Wand: Be the ChangeLinks and Resources:Episode 22: Mission-Driven Pivot to a Micro-SchoolEpisode 23: A Place for Colorful Mismatched Learners to ThriveSign up for the self-paced course, Build Your Micro-SchoolVisit the Micro-School CoalitionSchedule a free 15-minute consultation with MaureenMaureen’s book: Creating Micro-Schools for Colorful Mismatched KidsEmail MaureenFacebook: Follow Education EvolutionTwitter: Follow Education EvolutionLinkedIn: Follow Education EvolutionMaureen on Good Morning AmericaShow notes, links and more episodes – https://educationevolution.orgEducation Evolutionhttps://businessinnovatorsradio.com/education-evolution/Source: https://businessinnovatorsradio.com/27-micro-school-shortcut-schools-and-business-pivot-and-open-a-micro-school

Opening a micro-school is no easy task; it’s a business with all the cogs and parts involved in any business. There’s funding to think about, location, support staff and teachers. But there’s a shortcut available, especially for those with a relationship to an existing school or business. This is actually how I opened my first micro-school, a school-within-a-school, in a large Washington State high school. The facility, money, teachers, students, and other resources were already there. I just needed to reconfigure the learning model to fit my group of learners. This episode of the Education Evolution podcast includes examples of how you might take a shortcut when opening your own micro-school, why you might want to open a micro-school, and what you should do first (or next). And to get started on your own, grab a copy of my book or book a call with me. I have firsthand knowledge and experience in starting and running successful micro-schools across the globe. Jump Through the Conversation [4:05] Why have a school-within-a-school? [7:01] Why it is important to get smaller and more personalized [10:11] Five steps to take [12:29] My Magic Wand: Be the Change Links and Resources: Episode 22: Mission-Driven Pivot to a Micro-School Episode 23: A Place for Colorful Mismatched Learners to Thrive Sign up for the self-paced course, Build Your Micro-School Visit the Micro-School Coalition Schedule a free 15-minute consultation with Maureen Maureen’s book: Creating Micro-Schools for Colorful Mismatched Kids Email Maureen Facebook: Follow Education Evolution Twitter: Follow Education Evolution LinkedIn: Follow Education Evolution Maureen on Good Morning America Show notes, links and more episodes – https://educationevolution.org Education Evolution https://businessinnovatorsradio.com/education-evolution/ Source: https://businessinnovatorsradio.com/27-micro-school-shortcut-schools-and-business-pivot-and-open-a-micro-school

Opening a micro-school is no easy task; it’s a business with all the cogs and parts involved in any business. There’s funding to think about, location, support staff and teachers. But there’s a shortcut available, especially for those with a relationship to an existing school or business. This is actually how I opened my first micro-school, a school-within-a-school, in a large Washington State high school. The facility, money, teachers, students, and other resources were already there. I just needed to reconfigure the learning model to fit my group of learners.This episode of the Education Evolution podcast includes examples of how you might take a shortcut when opening your own micro-school, why you might want to open a micro-school, and what you should do first (or next).And to get started on your own, grab a copy of my book or book a call with me. I have firsthand knowledge and experience in starting and running successful micro-schools across the globe.Jump Through the Conversation[4:05] Why have a school-within-a-school?[7:01] Why it is important to get smaller and more personalized[10:11] Five steps to take[12:29] My Magic Wand: Be the ChangeLinks and Resources:Episode 22: Mission-Driven Pivot to a Micro-SchoolEpisode 23: A Place for Colorful Mismatched Learners to ThriveSign up for the self-paced course, Build Your Micro-SchoolVisit the Micro-School CoalitionSchedule a free 15-minute consultation with MaureenMaureen’s book: Creating Micro-Schools for Colorful Mismatched KidsEmail MaureenFacebook: Follow Education EvolutionTwitter: Follow Education EvolutionLinkedIn: Follow Education EvolutionMaureen on Good Morning AmericaShow notes, links and more episodes – https://educationevolution.orgEducation Evolutionhttps://businessinnovatorsradio.com/education-evolution/Source: https://businessinnovatorsradio.com/27-micro-school-shortcut-schools-and-business-pivot-and-open-a-micro-school

A Sense of SECURITY is a Fundamental Building Block in the Pursuit of Wholeness - the wholeness of an individual and of a relationship.What if you had someone in your life who was fully committed to your wholeness as a person, someone who sacrificially pursued your sense of security every single day? How would that impact your ability to thrive? To stay encouraged? To pursue God's big and small purposes for your life? Today, we're looking at the important building block that is GIVING THE GIFT OF SECURITY to those you love. Our examples are regarding marriage, but you can take these principles and apply them to parenthood TO HELP YOUR CHILD THRIVE because of a sense of security. In this episode I'm joined by your favorite host, and my all-time favorite person, my husband Rich. Episode 54 is one more building block in helping those you love THRIVE and grow closer to WHOLENESS as an individual and WHOLENESS in your relationship.Relational Security- Security within your RELATIONSHIP TRANSPARENCY- My spouse has the confidence that I am being open, fully honest, disclosing everything. It is vulnerable accountability and a commitment to complete truth. "Usually the things that I don't want to bring up... are the exact things that I need to bring up." "If you are fully, vulnerably honest with me... that gives me a real sense of security that I can really trust you."Maintaining agreed upon BOUNDARIES to honor the relationship Avoiding the self-protection trap - a barrier to onenessDEFENDING the one you love- "My level of defense for you reflects my value of you."GENTLENESS- treat their emotions and vulnerability with tenderness; not using what they say against them, not manipulating. Respecting, treasuring, "I'm a gentle cheerleader of the fact that you are willing to be transparent."Provisional Security- Security in material aspects of lifeINCOME STABILITY- Healthy work/home balance, maintaining stability in job, partnering in position changes or potential job changes. FINANCES- Common financial goals and strategies (spending limits, budgeting, use of debt, etc.)MAINTAINING OUR RESOURCES- Honoring each other by each fully participating in keeping our things in good repair and manageable.Family Security- Security regarding how we manage our familyPARENTING- each parent equally engaged in raising children, identifying concerns, developing character, imparting spiritual truths and developmentSYSTEMS- Driving kids places, scheduling, laundry, meals, the kids' chores, maintaining the home... There are many aspects that play a role in how smoothly life happens as a family. It can be very demoralizing if only one parent is implementing the systems that help a family function with stability while the other parent is ignoring the systems or not contributing to the complex creating and maintaining of systems.LEGACY- "We're partnered together in our legacy, thinking long-term in impacting their view of God, themselves, relationships, family, work, citizenship, etc.Resources: Episode 8 Redeeming Your Marriage and Developing ONENESS - choosing God's BEST in our marriageEpisode 23 Negative Communication Habits & Communication Games that have Got to GoIf you would like to contribute to the cost of producing the podcast, here is one way: CashApp: $valpsm.

On today’s episode, I am sharing three experiences in which I failed and the lessons I learned from those situations. Hopefully, you’ll find a few takeaway lessons here and it will also lead you to analyzing your own failures to see what you can change or learn from moving forward. The idea is not to beat yourself up; we are not perfect, but to learn from our failures and to know that all freelancers make mistakes. Failure No. 1: I had written two articles for a newsstand magazine that went really well. They didn’t pay as much as my content marketing clients, but I liked the topics and having my stories on newsstands. The magazine offered me a third article, a feature that was a little controversial. I had not done the type of traditional journalism in which people were skeptical about you since I was a newspaper reporter years ago in Indiana. The story required experience and connections in a type of reporting and in this community that I did not have. And I didn’t really have the time to dive into this story. My failure started because I let my ego get in the way. I liked this client, and two editors were telling me how great I was and how they really wanted me to do this article. I let their flattery cloud my judgment. I should have trusted my gut. Instead, I worked on the story and had difficulty finding the right sources, finding sources that would trust me and getting an “official source” to even answer my repeated calls and emails. I did not have the time for this along with all my other work—work that paid much more than this journalism story. I weakly expressed some concern to my immediate editor, and she gave me a few pointers, but it could not save the story and I did not speak up more at that time. So, I trudged on—not because I was stubborn as much as I did not want to tell my editor I was failing. A few MONTHS went by, and I finally got so fed up that I wanted to quit. I didn’t even care about getting paid for the work I did because it was unusable at that point. So, I emailed my editor and explained why the story was not working out and that I needed to stop working on it entirely. She was gracious and that was that. The big lesson here? Do not let a client talk you into a project. Do not let their flattery and your ego get in the way of what you know to be true. You know what you’re good at and what you’re not good at, what you have time and energy for and what you don’t. Listen to that knowledge. Failure No. 2: I was working directly for a content marketing agency that I had worked with before and really liked. They had a new client. The challenge was that that client wanted me to pitch story ideas, which I rarely do. But I came up with a few ideas and they accepted one. It was clear that my agency contact was more excited about that story than the actual editor was. This should have been a red flag. But, I found the sources, wrote the article and submitted it. The editor had numerous queries, more so than I’ve received on any article in years. But I addressed the edits and sent back my second draft. Then, I received more edits late on a Friday afternoon, and the editor wanted to call me right then. I relented, only so I wouldn’t stress about it all weekend. She only wanted to go through the edits line by line, which was a complete waste of time. I also recognized that some of her edits were actually questioning the science in the article. That’s when it became clear that she did not respect the basis of the pitch or the research behind the article. She should have either rejected the pitch or put her aside her own feelings instead of continuing to ask me to change the article. I delivered those edits and cc’ed my agency contact on that email. Then, I emailed the agency person separately to tell them what had happened and that I’d gone above and beyond with multiple rounds of extensive edits and that I was done with the article. My contact was gracious, and the agency paid me the full amount (even though the editor never ran the article). The lesson here? I should have contacted my agency person sooner. They were my direct client, and I should have let them handle the situation—or at least help me walk through the issues. They also needed to be aware of what was happening. The overall message here is to speak up sooner rather than later. Failure No. 3: A new client and I had a misunderstanding over the scope of work. I had emailed a proposal outlining the scope of work that we both agreed on, and we had had multiple phone conversations. I thought we were on the same page, but I then received several assignments that seemed to be outside the scope of work. Here’s what I did wrong: In the proposal, I was very clear on the scope of work involved in my two primary responsibilities. But the client had mentioned a third service, one that wasn’t my expertise, but I agreed to help with now and then. I thought I was being helpful, but in my proposal I described that third service as “as needed.” That was way too vague and would be defined differently by me and the client. I reached out to a freelance writer friend, who helped me figure out what to say to the client. I also agreed to a phone conversation with the client to work out our issue. (I sent an initial email so as not to blindside her; then we got on the phone.) My “tough love” lesson here is do not be wishy-washy in your proposals! In my effort to be helpful, I was vague instead and caused a misunderstanding. Other lessons I learned: Ask for advice from your freelance community and get on the phone to talk through sticky situations. Email was not the answer. Those were three of my big fails—certainly not the only mistakes I’ve made! It’s important to know what your weaknesses are and figure out how to improve upon them or work around them. It’s also important to learn from your failures. What projects and clients stand out to you that make you a little sick to your stomach? Did you learn anything from them or have you repeated the same mistakes over and over? Take a few minutes to think about those situations and what you have learned or should have learned from them. Maybe there are a few lessons that you could embrace going forward. Biz Bite: You are already living your worst-case scenario. Tip from Gayneté Jones: If you are procrastinating on a new service or something to propel your business forward, you’re getting nowhere by not doing the thing. That’s your worst-case scenario. You can only go up from there.   Gayneté Jones is a millennial mentor and keynote speaker. She is founder of G.A.M.E. Changing Industries and creator of Cubicle Ditch Academy.     Hear Gayneté Jones in episode 333 of the podcast Online Marketing Made Easy with Amy Porterfield.     The Bookshelf: “Recursion” by Blake Crouch   Resources: Episode #36 of Deliberate Freelancer: Spotting Red Flags and Scope Creep   Episode #45 of Deliberate Freelancer: You Need to Set Boundaries   Episode #67 of Deliberate Freelancer: How to Fight Imposter Syndrome, with Kristen Hicks   Episode #70 of Deliberate Freelancer: Techniques to Deal with Anxiety from My New Therapist

From psoriasis troll Steve Bannon to the Varsity Blues scam, and even Jake Paul’s COVID-infested parties, we’re catching up on the ongoing pop culture scams in America. By the way, we were maybe the first people to report on Steve Bannon’s Build the Wall scam back in December where’s our Pulitzer? Also, Caitlin, Sue, and Producer Cait fetishize a painting about butter because, duh.  Resources: Episode 57, Build the Wall Scam - https://open.spotify.com/episode/6TE0h6gRhttDyCq4JD3OLR?si=QpyRoWIDQCi6YemAI_gqrA&fbclid=IwAR17qfOUk1xYd-fN3AvfMZTpvmRnJV9IHUhB0XWe4k6gzRvsQvQrt236mmc Fake but great paintings- https://www.royal-painting.com/Jean-Baptiste-Camille-Corot/The-Italian-Goatherd,-Evening.html That Mound of Butter - https://en.wikipedia.org/wiki/Mound_of_Butter Steve Bannon - https://apnews.com/6119b50079aaf30ba54b8e40bd36033b Steve Bannon again - https://www.snopes.com/news/2020/08/21/we-build-the-wall-indictment/ FDT song - https://open.spotify.com/track/6k0DJqW2v2e4809Z1zN0YU?si=sxT29A0ZRuqVQIkBTBJJkg Lori Laughlin- https://www.cnn.com/2020/08/21/us/lori-loughlin-sentencing-college-admissions-scam/index.htm Jake Paul- https://pagesix.com/2020/08/13/youtube-star-jake-paul-breaks-his-silence-on-fbi-raid/ Jake Paul’s music video https://www.dexerto.com/entertainment/jake-paul-is-seriously-making-a-music-video-about-fbi-raiding-his-house-1408571 Bryce - Hall https://www.nytimes.com/2020/08/19/style/la-party-power-cut-tiktok.htm DISCLAIMER: We are comedians and this is satire. C’mon Send us your scams! scamwowpodcast@gmail.com Or call: 347-509-9414 Learn more about your ad choices. Visit megaphone.fm/adchoices

On today’s show I am recommending nine nonfiction and business books that have helped me create and grow my freelance business: “Atomic Habits” by James Clear For the past two years I have read this book at the beginning of the new year, which might become an annual tradition because it sets me on a good habit course for the year. One quote from the book I really like is “You do not rise to the level of your goals. You fall to the level of your systems.” That means if you don’t put a system and habits in place for each of your goals, they’ll just be floating out there with no structure or plan to actually achieve them. You need to create a step-by-step plan for how to achieve each of these goals. And you need to start with baby steps. Another quote I really like is “Habits are the compound interest of self-improvement.” That means you will not notice an improvement the first time you start a new habit; you may not even see improvements week after week. Transformation takes time. One of the concrete things James provides in his book are the four simple steps to building better habits. These steps are: Cue Craving Response Reward “Deep Work” by Cal Newport “Deep work” is that cognitively demanding work, work that requires concentration and creativity and deep thinking—which means no distractions. For me, this is writing. What is it for you in your business? I am not an effective writer if I’m trying to squeeze writing in in between meetings, checking email and posting on social media. Instead, Newport helps you figure out how to concentrate, minimize distractions and focus deeply on your work. He warns you about the different types of distractions that might pop up and how you can develop strategies to fight against them. “Make Time” by Jake Knapp and John Zeratsky This book provides time, productivity and focus strategies that are tactical and helpful. This book is a lot breezier to read than the other two books I just recommended, but that doesn’t mean it’s fluff. It has silly illustrations and a fun, conversational tone. There are 87 tactics in this book that you can try to focus better and be more productive. A couple of the tactics that have helped me: Pick a highlight for your day—the one thing that you must get done—and then zero in on getting it done. The book calls that “laser focus.” Pick a soundtrack for your highlight. Choose one song, the same song, to play whenever you start your highlight for that day. I do this now whenever I am going to start deep work like writing. I have one song I play every time, and I’ve become Pavlov’s dog. Any time I hear this song I know that it’s time to buckle down and do a project. It’s my cue to get to work. It really works. Skip the morning check-in. At the end of each day, I go over my calendar and tasks and write out my to-do list for the next day. I choose my highlight for the next day. Then, when I wake up the next morning, I get straight to work on my highlight. I don’t check email or social media. Or, if I do check email, I check only for emergency emails from clients. I don’t respond to regular emails or even read them. Setting a timer for about 10 minutes can help you from getting sucked into email. “Off the Clock” by Laura Vanderkam This book, by a productivity and time tracking expert, was so much more than I thought it would be. It's not just a quick-read, “here are a few tips” productivity book. Vanderkam teaches us how to live life with more intention, to “linger” and “savor” and to invest in your happiness by being mindful of how you spend your time and how you WANT to spend your time. Laura talks about “letting it go”—how not to obsess over certain goals and how not to be so hard on yourself when you don’t hit perfection. She talks about little ways to invest in your own happiness and to appreciate the small things in life. Incidentally, these are all concepts that might really help during the pandemic. “Quiet: The Power of Introverts in a World That Can’t Stop Talking” by Susan Cain As an introvert, I wasn’t sure what I could learn from this book. I know how I am and what I like. But I loved this book. It was way more in-depth and researched that I expected—not a fluffy, self-help book at all. This book explains in detail how being introverted can manifest in the real world, which has really helped me explain to other people why I like the things I like and do the things I do. The book also dives into the history of introvertedness, explaining when the U.S. started treasuring extroverts more. The author explains the values treasured by Eastern versus Western cultures and gives a ton of tips for living with and working with introverts and for raising kids who are introverts. “Better than Before” by Gretchen Rubin Rubin is probably best known for her book “The Happiness Project,” which I also liked. But “Better than Before” is where Rubin first introduces us to her framework The Four Tendencies. She argues that everyone falls into one of four categories based on how we respond to expectations from ourselves and from others—internal and external expectations. She has written a book called “The Four Tendencies” and you can also take a quiz to find out which of the four you are. Knowing your tendency helps you figure out how to use the right habit creation techniques that work for you. For example, I’m a questioner, and Gretchen helped me realize why “accountability” doesn’t work for me. You hear so often in business to form accountability groups or if you make yourself accountable to others, you’ll get things done. This could mean, if you sign up for a class, and especially if you pay for it, you’ll definitely go. But that doesn’t work for me. “Better than Before” will help you get to know yourself better and teach you what techniques work for you best. And then, Rubin provides a ton of habit formation tips to help you get things done. “The Freelance Content Marketing Writer” by Jennifer Goforth Gregory This book is gold for content marketing writers, whether you’re brand-new to this type of writing or have been doing it for 20 years. There is also a lot of tactical advice on how to get clients that can be helpful to non-writers as well. Gregory talks about how to use LinkedIn effectively and shares her template for a very short, to-the-point “letter of introduction,” which she compares to a pickup line. As she explains, you’re just trying to get a date with the person; you’re not trying to build an entire relationship with that first LOI. She also talks about how to price your projects, why freelancers need to talk about money with each other and how to find anchor clients. “Secrets of a Freelance Writer: How to Make $100,000 a Year or More” by Robert Bly This was one of the first freelance books I purchased. It’s a little dated, but the bulk of the book contains really helpful information, especially for newer freelancers or those who need to set themselves up as a freelance business rather than just flying by the seat of their pants. I gained a lot of confidence from reading this book. For example, Bly talks about how freelancers offer professional services and should not be shy or apologetic about their fees, but simply state them matter of factly. It’s that type of tone and tips that helped me believe I was a freelance business owner. And while the book is for writers, there is some information in there that would help any freelancer, like how to set your fees, how to network and brand yourself, how to deal with client problems and how to generate sales leads. “The Money Book: for Freelancers, Part-Timers and the Self-Employed” by Joseph D’Agnese and Denise Kiernan This book is also a bit old, but it’s a good staple, especially for those who need to get a better handle on your income and finances. The book provides a lot of advice about how to rethink how you use, earn and spend money. It can help you with debt and savings and getting your spending under control. It’s one of the few financial books I’ve seen that is written specifically for freelancers. Biz Bite: Take care of your future self. The Bookshelf: “The Family Upstairs” by Lisa Jewell    Resources: Episode #4 of Deliberate Freelancer: Work Only with Nice Clients, with Jennifer Goforth Gregory

Do you ever feel like you’re going through the motions at mealtimes? Listen in for easy steps and conversation starters to make the most of mealtimes and build stronger relationships within your family. A Mealtime Makeover is possible, no matter what ages your children are. It’s not about the meal; it’s about the time shared around the meal. Resources Episode 8: Keep Conversation About Jesus Going Read Ep.9 Transcript at teresadglenn.com Join me on Instagram @teresadglenn Grab a copy of my book Becoming A Peaceful Mom ~ Through Every Season of Raising Your Child

During the last couple of weeks, we’ve been getting a lot of questions about debt refinancing. Due to decreasing interest rates, refinancing seems to look like a good option for many people. We dedicated today’s episode to discussing the details of refinancing. Throughout the episode, we review several types of debt and what you should keep in mind if you’re thinking about refinancing. Stay tuned until the end of the episode, where Grant shares some valuable tips for consolidating credit card debt if you’re struggling with multiple credit cards. [01:22] Mortgage – How mortgage works and available options for financing a house. [04:22] Deciding Whether You Should Refinance – Grant reviews several factors you should consider to figure out whether refinancing your mortgage is a good idea. [09:54] 15-Year Fixed Rate Mortgages – Grant shares his take on why you should be mindful of the pros and cons of swapping into a 15-year fixed rate mortgage. [12:15] Student Loan Debt – Because of the low rates, refinancing may look like a good option for those who currently have student loans. Grant reviews what other options are available as an alternative to refinancing and when to think about refinancing. [19:20] Credit Card Debt – Why credits card debt is different from a mortgage and how to take advantage of the credit card system. [23:16] Consolidating Credit Card Debt – Grant reviews several options that are available to you for consolidating your credit card debt. [30:49] Business Debt – Grant explains why this is a good time for businesses that struggle with cash flow to consider refinancing.   Resources Episode 34 - Why College Is So Expensive & How to Pay for It With Robert Farrington: podcasts.apple.com/lk/podcast/why-college-is-so-expensive-how-to-pay-for-it-robert/id1489821030?i=1000485750202 A Consumer’s Guide to Mortgage Refinancing – The Federal Reserve Board: www.federalreserve.gov/pubs/refinancings/ Settling Credit Card Debt – FTC Consumer Information: www.consumer.ftc.gov/articles/0145-settling-credit-card-debt

Have you ever stopped to listen what that mean voice in your head is telling you? Most people don’t think twice about it, accepting it as just part of who they are. But the fact is, the more you tell yourself something, the more you’re going to believe it!This episode is going to help you take that first and very important step to quieting your inner critic: being aware of it. I’ll be sharing 8 ways in which the inner critic most commonly shows up for women.Did you have any big moments of realisation listening to this episode? If so, take a screenshot, tag me on Instagram with @tiffanydawson_ and let me know what you learned!Resources:Episode 7 on How To Have Difficult ConversationsEpisode 6 on How I Overcame Impostor SyndromeWant to learn more about the Impostor Syndrome 101 Workshops? Email me: tiffany@tiffanydawson.co

Keep conversation about Jesus going with our child through nurturing three relationships. Listen in about an activity that our family practiced from the elementary through the high school years and nurtured all three relationships. Episode 8 Resources Episode 6 - Sowing Seeds Jeremiah 29.12 Matthew 18.19 1 John 5.14-15 Join me on Instagram @teresadglenn Grab a copy of my book Becoming A Peaceful Mom ~ Through Every Season of Raising Your Child Read Ep. 8 Transcript at  teresadglenn.com

On today’s show I am going to talk about why you should aim for providing only project rates and how to go about setting those rates. A lot of us struggle with pricing, even those of us who have been doing this for a while. But here’s a secret: We’re all just making this up. The best pricing is often project based, and that is a made-up number when it comes down to it. You need to reframe your mindset and get your head around the fact that you are a freelance business owner. You are the boss. You are in charge of your own business. This means, you need to shift your mindset 180 degrees from waiting to hear what someone will pay you, and asking what someone will pay you, to telling someone what your rate is or telling someone what you charge for that project. It’s such a huge mindset shift in so many ways when you finally embrace the fact that you are in charge of your business. If someone cannot afford you, then you move on to the next potential client. When many of us start freelancing, we take what we can get and we allow the client to set the pricing and the parameters. Or, when the client asks what our rate is, we give them an hourly rate, often too low. But when you embrace the fact that you are the owner of your own business, you will start to think about pricing differently. Your overarching goal should be to think of every assignment and gig as a project rate and to propose project rates to every client. But first, let’s talk about hourly pricing and why it is such a problem. First, hourly pricing means you are charging for your time. And that is one thing we all need to stop doing—charging based on our time. Time is finite. There is only so much money you can make each week before you run out of time and energy. You will be unable to grow your business this way. Also, time does not equal the value you bring to a project. You need to base your fees on your value. Third, hourly pricing penalizes you for working fast. And, if you and the client don’t discuss how many hours a project might take, the client could be surprised and frustrated when they see the invoice at the end of the month. Since some listeners are writers, let’s talk about per word rates. Ideally, everything would be project rates, but sometimes you are in an industry that does dictate the style of pricing. For writers, that’s a per word rate. You can try to push back on this and suggest a flat rate for writing an article, but often editors’ hands are tied based on an antiquated system. With per word rates (and really, all projects) I build in systems to work faster while still providing top quality. For writing assignments, that could mean recording interviews. Sometimes I record only to listen to certain parts (I mark timestamps in my notes when the person says something great or that I want to check back on). Sometimes I record and have someone else transcribe the interview. It’s worth the financial investment because it saves me time and energy in the long run. (I also hate transcribing with a fiery passion.) Writers, please know that a per word rate exists often only in journalism. In content marketing, especially for companies, you can often charge a project rate. If you come from the journalism world and are accustomed to per word rates, leave that behind when you are pricing your projects. You might get stuck with a per word rate, but don’t suggest it up front. Start with a project rate. Now that we accept that we should all be charging by the project, how do we actually do that? I was serious when I said these rates are made up. Not one freelancer or consultant has it figured out and has created the perfect project rate every single time. No two projects are the same. No two clients are the same. Here are just a few things that go into creating a project rate: The expertise you bring to that particular job. The value the client will get from your work. The amount of energy you will need to put into the project versus doing an easy project. Whether the client requires regular check-ins or for you to attend phone meetings—charge for those meetings! Whether the client is a new client or a beloved current or former client. Whether the client is a pain in the butt or has a history of scope creep. Whether the client is a major corporation or a small nonprofit you want to help out. The extras that are required—are there more rounds of editing? Are there extras like social media posts that need to be included? The project timeline—is it reasonable or hurried? Is it a rush job? And the list goes on and on! Here is my system for coming up with a project rate. First, I have a secret hourly rate to give me something to start with. Now, I said don’t use an hourly rate, so if you do start with an hourly rate, use this very loosely as just your “base” to get started. Don’t stick to it. Next, ask yourself all those things about what type of project and client this is, including: Are you an expert at this type of work? Are you in high demand? Did you come highly recommended to this client from another client of yours? Do you bring a certain skill set that is difficult to find? Even if you don’t, are you good at what you do? Have you done this before? Are you confident you can produce a quality product? What type of client is this? How much value will they get out of your project? How much energy will this project take—this is not time, this is ENERGY. Do you get the sense that this will be a tiring project, taxing on your brain, that the client is a pain in the butt, that you don’t really want to do the job? Take the time to evaluate to the best of your ability all the parameters around the project, not just the skill set needed to do the project. One of the best ways to do that is to have an initial phone call with the potential client. I know some of us hate the phone, but a phone call can be critical to finding out this information so that you can provide an appropriate project rate or a proposal. You can also learn a lot about someone when you talk on the phone with them—you can gather hints about what the client will be like to work with that you can’t get over email. For the phone conversation, write out a list of questions so you don’t forget. In fact, you can create a template of questions to ask every client. Questions you may want to ask, besides the details of the assignment, are: How would you like to stay updated? Can I just send you emails when I have questions? (This question could tell you a lot if they say something like, “Oh, I’d like you to join us for our weekly check-ins” versus “I trust you. Just let me know if you run into any problems.” Do you have samples of previous projects I could take a look at? Who is my direct contact? Is it one person? Are there multiple people involved? What is the review process like? How flexible is the timeline? A potential client may ask, “What’s your rate?” I often respond with something like, “I’ll be able to put together a proposal for you with a project rate after we’ve talked through the details.” You can also ask, “Do you have a budget in mind?” Sometimes they won’t and that may be OK. But if they say “about $500” and you are talking about a project that might start out at a base rate of $3,000, you don’t need to waste your time talking with them anymore. It can be helpful to educate them, though, even if they don’t change their budget. You are helping boost your industry by letting them know quality work is worth way more than that $500. And maybe they’ll increase their budget! Once I have all these questions answered and I have considered all the parameters, I take my base rate and start to increase it. After you come to a number, ask yourself this very important question: Do I want to do this project for that amount? You do not want to offer a rate that you will end up resenting—resenting the rate, the project, the client, yourself. Also know before you get back to the client what number you will not go below, in case you have to negotiate a bit. You don’t want to get flustered and negotiate a number that is too low for you. If you need to walk away from the project, you can simply email and say, “After further reflection/looking over the details, this is not a good fit for me.” Don’t say you’re sorry. Don’t continue to offer explanation. Don’t over-explain. You are the boss of you. It’s not a good fit. End of story. Biz Bite: Buy the good pens. (or elevate your workspace) The Bookshelf: “Notes from a Young Black Chef” by Kwame Onwuachi   Resources: Episode #39 of Deliberate Freelancer: Raise Your Rates—Without Emotion Episode #18 of Deliberate Freelancer: How to Set Higher Rates Episode #1 of Deliberate Freelancer: Change Your Mindset: You Own a Freelance Business Laura Vanderkam talks about “buying the good pens” on The Productivityist Podcast, episode 322, The New Corner Office with Laura Vanderkam FreeConferenceCall.com Rev.com (transcriptionist service)  

About this episode There is some really bad sex advice out there, most of it because the people giving the advice don’t know any better themselves. Today we’re sharing with you the worst sex advice we’ve personally received, but also the best sex advice we’ve received. Okay, ladies, what is the worst sex tip you have gotten either from a resource or an individual? Taking a positive perspective, how can we correct the record? That is, how should each of us and women out there respond when we encounter bad advice? What is the best sex tip you’ve ever gotten from some resource or someone? Sponsor Click to Learn More   From the Bible What does God have to say about receiving advice? The way of fools seems right to them, but the wise listen to advice. – Proverbs 12:19 But Jehoshaphat also said to the king of Israel, “First seek the counsel of the Lord.” – 1 Kings 22:5 Resources Episode 87: How to Talk to Friends About Sex The Experts Who Are Damaging Your Sexual Intimacy – Hot, Holy & Humorous How to Read a Marriage Book – Hot, Holy & Humorous Finding a Good Gynecologist – Hot, Holy & Humorous The #1 Myth Christian Women Learned about Sex – Hot, Holy & Humorous Forget What You Look Like While Making Love – Hot, Holy & Humorous Pillow Talk: 40 Conversations About Sex for Married Couples by J. Parker Helpful Marriage Books and Resources – CalmHealthySexy Why “10 Minutes and Lube” Is Horrible Advice” – The Forgiven Wife Click Here to Learn More

Shame. Guilt. Secretive thoughts. As women, many of us have insecurities and are lacking freedom in regards to food and body-image. With only 10% of those with an eating disorder actually getting help for their issues, research shows that there are many people who struggle for years and decades with intrusive thoughts and destructive habits. It can be a fine line between being healthy and having it take over your life, mind and time and Melainie Rogers speaks to all of this in her role as an eating disorder specialist.Resources:Episode 2 on Body ImageWebsite for Melainie’s resources and to book a free 20 minute discovery callLet’s connect!BALANCEDTX INSTAGRAMHERSELF INSTAGRAMMEET AMY MEET ABBY

As the pandemic changed so many things both personally and professionally, I had to rethink of new ways to market and network in order to find new clients. And in doing so these past four months, I realized what my No. 1 marketing tool is for getting new clients. It’s not sexy or groundbreaking, but it’s solid: My No. 1 way to find new clients is through referrals. You may not like the words “networking” or “marketing” or “personal branding.” So, why not reframe it and call all those things “relationship building” instead. That’s what I’ve done, and I enjoy building new relationships with people. Some of them even end up becoming true friendships. And that grows my network. And when I grow my network, I expand the possibilities for referrals—not only from current and former clients, but from former co-workers at past jobs, from other editors and writers, from colleagues in the industries I specialize in. One of the biggest misconceptions I hear from some freelancers is about competition. Your fellow freelancers can be your friends, not your competition. In fact, that’s the way I want to live and be in my business—not in some uber competition with people, but in a non-toxic, stress-free, collegial environment. And, it is just a bonus that those people can be your biggest source of referrals. I cannot tell you how many times I’ve been contacted by a potential client who was just not the right fit. Instead of telling them “no” and that being the end of it, I usually offer to connect them with someone that might be a better fit, if I know instinctively that this will not take a lot of time. I sometimes reach out to freelancer friends that might be a good fit and ask them first if they are interested, without naming the client, and then offering to provide the client their name. Sometimes, the potential client is comfortable with me going ahead and introducing them to one person by email and then I let them take it from there. When you provide a few contacts to the potential client, not only are you helping out a fellow freelancer, but that client is appreciative and you never know how that might help in the future. I’ve had potential clients come back to me because I went that extra mile and asked me if I was available for a different type of project. Doing something small like that to help a potential client who has no idea where to look for a writer or editor, or whatever the services that they need help with, keeps you top of mind as a reliable and helpful person. Your name does not get jumbled in with all the other freelancer names they’ve heard. They will remember you—at least more than they will remember the freelancer who never got back to them or just said, “no, it’s not a good fit” and moved on. When you help out other freelancers in this way, they often reciprocate. You never know what opportunity might come up; it sometimes takes months or even years. But it is amazing how much work I’ve received from other freelancers. So, when you hear from potential clients with projects that are not quite for you, think of your fellow freelancers. This is easier the bigger the network you have. I actually have lists of friends with their expertise listed because it is hard to think of a perfect fit on the spot. The lists are good reminders of what everybody focuses on and what they’re looking for. In turn, these freelancer friends will hopefully remember you and return the favor, as they have done for me over the years.   The other primary way to get referrals is, of course, your current and past clients. Don’t be shy about letting clients know when you are looking for new work. And be specific about what you are looking for. You may think your client already knows what you do, but they often only know what you have done for them. Rather than just telling your clients what your services are, phrase it more like: “How can I help you? What do you need?” Then, you can list some of your services, and depending on how much energy and time you want to spend on this, you could also offer to connect them to other freelancers in areas they need help with. For example, if I make this offer and my client needs a new magazine designer, I can connect them with several graphic designers. I’m taking the burden off them, helping to shorten their to-do list. At the beginning of 2019, I decided to tell my clients directly exactly what I was looking for in the new year, so in my regular newsletter I explained that I was looking for a new newsletter or magazine to be the managing editor of, more membership association clients who needed a magazine writer and magazine proofreading gigs. One of them is now an anchor client. I remembered the success of that email when I needed to replace lost work at the beginning of the pandemic, so I decided to do something similar. This time, instead of using that smaller email list I had gathered for my newsletter, I pulled together my email contacts of former clients, current clients, friends and colleagues, and almost anyone I had ever had an extended conversation with about work. I then crafted an email and let them know I was looking for new work and spelled out exactly what services I could provide. I briefly mentioned my 20 years of experience, then created a bulleted list of my services and asked them how I could help them. Again, I offered to help them with whatever they were looking for, mentioning my vast network of other freelancers. In that bulleted list, I thought of the work that might be needed particularly during the pandemic like writing about public health. I also thought of things specific to the pandemic, like covering virtual conferences, which I used to cover in-person. I also mentioned I could help revamp content editorial calendars since the pandemic destroyed everyone’s editorial calendar. I ended the email by saying “Please feel free to share my name with—or forward this email to—any editors or colleagues at associations or other organizations who might be looking for a freelance writer or editor, especially someone who specializes in health care and public health.” My biggest lesson here is ASK. People don’t necessarily think of you unless you ask. Or, they think you don’t need the work. Or, they don’t know what you do. I had a handful of people respond that they didn’t think they could afford me, but as we talked through the project, it turns out they could. So, again, referrals come from many places. It’s my No. 1 way of getting new clients—and often clients I LOVE because I did the work to make sure we were a good fit. But you have to ask. And be specific about what you’re looking for, while also saying “how can I help you?” Getting referrals happens through networking, marketing and branding—or, better yet, “relationship building.” And that can still be done virtually right now, through social media, Zoom, texts, phone calls, email and more. Also, be sure to attend virtual conferences and webinars where your clients are—often there are chat features where you can connect with people.   Biz Bite: Strategically reorganize your online portfolio   The Bookshelf: “The Vanishing Half” by Brit Bennett   Resources: Episode #64 of Deliberate Freelancer: How to Increase Your Visibility and Get More Clients, with Amelia Roberts Episode #49 of Deliberate Freelancer: Appropriate Marketing and Promotion during the Coronavirus Pandemic, with Michelle Garrett Episode #43 of Deliberate Freelancer: 33 Ways to Find More Clients Episode #24 of Deliberate Freelancer: Networking Tips, Especially as an Introvert

In this episode, Maciek reconnects with political scientist Oktawian Milewski to continue the discussion on Romanian relations in the region. This time, they take a deeper look at the rocky evolution of relations between Ukraine and Romania – two countries which play a critical role in both Central and Eastern Europe as well as the Black Sea region. Maciek and Oktawian discuss Romania’s strategy towards Ukraine, people-to-people contacts between the two societies and the two countries’ economic ties. The discussion also fits into the broader debate on both countries’ role in the region – especially considering proximity to Moldova and its breakaway region of Transdniestria, as well as to Russia and the war in eastern Ukraine. Resources:Episode 36: “Complicated neighbours. Romania-Moldova relations in the spotlight” https://www.spreaker.com/user/talkeasterneurope/tee-36“Foreign interference in the Zakarpattia region of Ukraine: The 2019 elections and beyond” by: Harry Nedelcu, Dmytro Panchuk, Myroslava Lendel New Eastern Europe 6 May 2020: https://neweasterneurope.eu/2020/05/06/foreign-interference-in-the-zakarpattia-region-of-ukraine-the-2019-elections-and-beyond/Talk Eastern Europe is a member of the EuroPod NetworkMusic featured in this episode:resonance by airtone (c) copyright 2020 Licensed under a Creative Commons Attribution Noncommercial (3.0) license. http://dig.ccmixter.org/files/airtone/61321 Support the podcast – Become a patron: www.patreon.com/talkeasterneurope

Three requests for the podcast right now: I want to do an Ask Me Anything episode. Please email or DM via Twitter your questions about the business of freelancing and I’ll answer them on a future episode. You can share your name or be anonymous. melanie@meledits.com or DM @MelEdits on Twitter I’m considering a series interviewing freelancers who make six figures. So, if you have earned $100,000 or more as a freelance business owner, let me know. I’d love to talk with you more about how you got there so we can provide tactics and inspiration to other freelancers. melanie@meledits.com or DM @MelEdits on Twitter I am looking for diverse guests, so please reach out and pitch me your podcast episode idea or recommend guests who are from marginalized groups. I’m doing my own research and outreach, but I’m open to pitches and recommendations too. melanie@meledits.com or DM @MelEdits on Twitter In this week’s episode, let’s talk money again. First, let’s talk about setting an income goal, then about how to track it regularly. This is important for your freelance business at any time, but your plans and goals may have changed during the pandemic and you may need to update your goal. I also think it’s important that we’re transparent about money, especially to lift up other freelancers, including those from marginalized groups. I often talk about my “secret hourly rate,” which is the idea that I have a rate that I try to earn at minimum for most projects I’m working on. To determine whether you’re hitting that rate throughout your week, it could be a helpful exercise to track not only your hours for a particular project but to track your hours for all your work in a given month or a full quarter. Then, do the math to see how much you earned per hour for each project, and then figure out what that averaged out to for all projects during that month and quarter. That could give you valuable data about whether you are charging enough, taking on the right clients or you need to figure out how to work faster in some way. Do you have an annual income goal? Do you need to change it because of the pandemic? Or do you just work all the time and hope you can pay the bills? Or maybe you know how much you need each money to pay the bills and everything after that is gravy? Money isn’t everything, but it gives me the freedom to not stress about money. So, I encourage you to set an income goal that is higher than just paying your bills. You may not hit it the first year, especially if you’re relatively new to freelancing or if you were hit hard during the pandemic, but you can strive to hit it. And that will likely keep you striving to get more, better-paying clients and to continue to market yourself. In order to create this income goal, write down or create an Excel spreadsheet of all your expenses. Start with your monthly ongoing expenses—mortgage or rent, utilities, internet, cable, phone. Do you know how much you spend on groceries? What about household items, like shampoo and soap and laundry detergent? Some of you with significant others may have to do this part in tandem with your partner. If your partner is paying part of these bills, do you know how much you are contributing? Have you discussed with your partner how much the both of you think you should be contributing? Are you the breadwinner? Is it split 50/50 or do you pay certain bills and they pay certain bills? I encourage you to talk this over so you’re both on the same page. This could be particularly helpful right now during the pandemic if one or both of you had hits to your income and things have changed. Talk also about who is responsible for what bills and if that needs to change. This is also a good time to discuss ways you can cut back on various subscriptions or services you might not need right now. You can also renegotiate if you’re willing to put in the time and money. Oftentimes, when you call up companies like your cable company, internet provider, phone service, etc. and tell them you want to cancel, they will cut your monthly payments or offer you a “one-time deal.” Once you have figured out your monthly costs and made a list of subscriptions to cancel or renegotiate, look at yearly costs. For example, car insurance premiums, holiday presents. Next, add in the extras. If you could earn plenty of money, what would you spend it on? What would you like to have? Think of things that could make your life easier but also things you love to do and buy for yourself. Do the math and estimate how much those things would cost each month or over the course of the year. Now, you have two numbers: the bare minimum you need to earn each month and the ideal goal you’d like to earn each month. Next, how many hours do you want to work each week? Don’t say 40. Think paid work. You will have a lot of unpaid work—answering emails, marketing, doing social media, invoicing. No one pays us for that, but it’s all important to your business. I don’t have a magic number for you to tell you how much time you should work on paid work versus unpaid work. I also can’t tell you how much time your paid work will take you. It is different for everyone. I can tell you that if you have no idea, tracking your time for a week or two can be really helpful. I mean, tracking ALL of your time—keep track of the time for each individual project. That will start to tell you how long it takes you to do specific types of projects for clients. Also, keep track of all the unpaid work. You might find out you’re spending hours on marketing—is there a better way? Are you spending way too much time on social media? Is it paying off? Think also about how many hours you would like to work each day and what those hours are. Ideally, I’d love to work from about 7 a.m. to 3 p.m. with an hour break for lunch and a few smaller breaks throughout the day, about 10 minutes here and there. What is your ideal? My pre-pandemic income goal also had to drastically change since March because I lost my anchor client, which was nearly half my income. So, I had to up my marketing game, look for new clients, take on new types of assignments and completely refocus my business. Even though things are so up in the air right now it helps to still have that income goal, even if it has changed. That goal will tell you not only how much money you need to earn each month, but it will help you figure out if you can say no to work that isn’t the right fit or pays too little. When you know your yearly goal, as I talked about, it’s often helpful to break it down into monthly goals to keep you on track. But I also like to think in terms of quarters. Some months are busier than others, and looking at quarters can help you average it out for that time period. Now that you’ve set all your goals, they do you no good if you’re not tracking them. For invoicing, I already had an Excel spreadsheet for each month. In that document, I have separate tabs for each client. I keep it open all the time and add in projects as they come in with the deadline and fee. So, I just added a tab to that monthly file to track the work that came in for that month. That tab has all the work for each month of the year, separated by columns/month. Each column totals up at the bottom so that I can see how on target I am for the month and whether I need to get more work or not. I am continuing to use that system during the pandemic too, which really helps me keep track of my income. As you work toward your income goal, how do you make sure you are paying bills, saving money and not spending frivolously? One thing I have found helpful is to have a separate checking account for personal and one for business. Put all your income into the business account and pay for business expenses out of that account. And then every two weeks or at the end of the month, pay yourself what you earned into your personal account so you can pay your bills. Now is also a good time to ask your clients about direct deposit. Many are a lot more receptive to this while so many people are working at home during the pandemic.   Biz Bite: Take a Mental Health Day The Bookshelf: “The Feather Thief: Beauty, Obsession, and the Natural History Heist of the Century” by Kirk Wallace Johnson   Resources: Episode #5 of Deliberate Freelancer: Track Your Time for Better Efficiency Episode #9 of Deliberate Freelancer: The Money Lessons I’ve Learned the Hard Way Episode #18 of Deliberate Freelancer: How to Set Higher Rates Episode #28 of Deliberate Freelancer: Take Charge of Your Finances, with Pamela Capalad Episode #29 of Deliberate Freelancer: 3 Big Financial Changes I Made This Week

A second way we can demonstrate love is physical affection. Now, some of us hear that and relax; but for others of us affection is unfamiliar, uncomfortable, or surfaces confusion or pain. I hope my thoughts and suggestions generate hope for the possibilities in your relationship with your child, no matter their age. Episode 4 Resources Episode 3: Make a Face That Counts Ephesians 5.1-2 (ESV ) Love You Forever by Robert Munsch  Grab a copy of my book, Becoming A Peaceful Mom ~ Through Every Season of Raising Your Child  Find me on Instagram @teresadglenn Read Episode 4 Transcript - teresadglenn.com

It is finally time to get to know our other host better.  Today we are going to dig deeper and get to know more about Chris and his travel adventures. He waits until the very end of the episode to share his special story about his favorite childhood travel experience and adds some special guests in on the discussion.  We also discuss Chris’s top 3 places to go, where he would like to go, and great family adventures. We talk about restaurants, excursions, and more. We hope you enjoy this little peek into Chris’s travel history and his most memorable traveling adventures.  Show Notes: [03:02] Chris has a special story about his favorite childhood travel experience that he is going to share at the end of the episode. [04:23] Chris was first introduced to travel on road trips to Nashville.  He was typically the navigator.   [05:09] Chris grew up in Memphis, Tennessee, which is 210 miles from Nashville.  [06:18] Chris shares about being in a handbell choir at church as a child with his siblings and cousins.   [08:45] New York City at that young age was very memorable. The handbell choir traveled to New York City to perform  [10:08] Later in life Chris moved to New York and lived an hour and a half from New York City.   [11:26] Chris shares his top three destinations that he has visited in his whole life.   [12:19] He enjoyed learning about Roman history and Pompeii in Italy and visiting the colosseum.   [14:55] Their advice is to not fill up on the first course because in Italy there are many courses. [15:02] Chris shares about their experience in Scotland including St. Andrews and the countryside.   [17:11] His number three destination is Las Vegas because there is so much to do.   [19:15] Go cars are a great excursion.  They are little cars that provide GPS that talks to you about different historical sites and where to go. [20:20] Chris’s favorite family trip is the RV trip, but the kids’ favorite trip is to Los Angeles.   [20:59] His favorite destination with their extended family was the Dominican Republic.  They went with 20 people at two different times.  It was an all-inclusive resort and there was a lot to do.   [23:26] The all-inclusive resorts are perfect with kids, especially older kids.  The kids were able to make their own choices and do fun things with safety.   [25:01] Two places that Chris has not yet been to are Hawaii and Africa.   [26:34] The third place that Chris still wants to go to is Dubai because it seems so luxurious.   [28:49] Chris shares about their experience staying at the Cosmopolitan Hotel in Las Vegas. [31:02] They were moved to a very luxurious room at the Cosmopolitan Hotel when the room they reserved wasn’t available.  [33:14] They upgraded to first class on a trip and they brought them cocktails and warm nuts.    [35:20] Chris’s favorite pancakes are Cracker Barrel's pancakes.   [36:02] His favorite steak house is Ruth’s Chris.  They really enjoyed their visit to Ruth’s Chris in Keystone at the Crossing in Indianapolis.  [37:03] If you ever fly through Minneapolis airport, in the main concourse check out pizza at Black Sheep.   [38:29] Chris’s favorite excursion was their open-air helicopter ride over the Grand Canyon.  He would love to do it again on a nice day.  [40:15] Chris’s earliest childhood experience was their family trip to Orlando.  He calls his Aunt Deborah, and two cousins to share what they remember about their trip.  [42:35] Chris’s Aunt Deborah shares the facts of this favorite childhood experience to Orlando.   [44:16] They had their trip outlined with AAA and they stayed in Kissimmee.    [47:15]  Brian remembers them packing up in their yellow Cadillac (“The Canary”) and driving all night.   [48:15] Brandy remembers leaving at night time with 3 adults and five children packed in one Cadillac.  They all kept asking, “Are we there yet?” [50:51] Everyone got along on the trip and didn’t fight, but there was one instance of a spilled Coke on the floor.   [52:44] They used a paper map for directions, but they also had a CB radio.  [53:27] Brian remembers their first stop being to a little waterpark on the side of the road. [55:42] They went to Disneyland and Wet and Wild.   [57:11] The day after they arrived they went to Disney World.  They also went to Sea World.   [58:39] They enjoyed going to the pool every day.   [60:22] They remember staying at Disney all day and seeing fireworks and the parade at the end of the day.   [61:12] Aunt Deborah’s favorite memory from the Orlando trip was all of them packing into the car. They brought lots of activities and snacks for the car ride.  [63:48] This trip is so memorable for Brandy because it was their first time going to Disney and it was all of them went together.  [64:48] This trip is so memorable for Brian because it was a long trip and they were in hot and sunny Florida.      Links and Resources: Episode 40 - Africa Episode 39 - Italy Italy Quick Tips Episode 15 - Our Trip to London, Paris, and Scotland Surly Beer Episode 7 - Vegas Off the Strip Go Cars Episode 9 - First Time RVers Episode 19 - 4 Days in Los Angeles Cracker Barrel Ruth’s Chris Steakhouse Black Sheep Pizza Kissimmee, Florida Walt Disney World   For pictures, tips and more, be sure to check out our Fly with Chris and Di Facebook page and signup to download a copy of The Best City for You. Please take a moment and subscribe to our podcast and leave a review. Become a Fly Insider and get the inside scoop, behind the scenes photos, and exclusive travel deals.

In Episode 21, incoming Head, Christan Perona and Principal, Paya Sample, continue our two-part dialogue on racism. By examining how Central Christian School has intentionally tried to foster an environment where different voices are honored and all image-bearers of God are deeply valued, this conversation launches us into one of hope. We must not only celebrate our racial diversity but seek for ways to forever steward this gift from God. From curriculum to admissions to hiring to professional development to conversations with alumni and much more, Mrs. Sample and Mrs. Perona share ways we desire to bravely self-reflect and glorify God by pushing against racism. (Recorded in Zoom, the video version of this conversation can be seen on our YouTube channel.) RESOURCES:Episode 8 | The Counter-Narrative, Part 1: Culturally-Responsive Books with Librarian Nancy GruneisenEpisode 9 | The Counter-Narrative, Part 2: Starting Conversations with Principal Paya Sample#racism #justice #injustice #georgefloyd #education

First, Black Lives Matter. Let’s talk … On today’s show I am going to go over how you can relook, reimagine and reexamine your goals in the midst of a crisis, like this global pandemic. But first, I want to talk about the protests happening this week in our country after the murder of George Floyd by police and the “weaponization” of race by a white woman, Amy Cooper, in Central Park. As if the pandemic wasn’t stressful and heartbreaking enough, racism—which has long been a cancer in our society—has really come to a head in recent weeks. I am a privileged white woman, but I try to be an ally and to listen and learn. I believe that Black Lives Matter. And if we are upset and angry about buildings on fire and broken glass, then we should be 1000% angrier about black men and women and boys and girls being abused, beaten and even murdered by police and other people in our society. You may not have tuned into this podcast for politics, but we cannot simply talk about our freelance businesses without recognizing what is happening around us and how the anguish and racism affects all of us. We who are white need to listen and learn from others, we need to speak out, we need to try to understand. And to those who are black, to those communities who have been harmed and abused and forgotten, to my fellow freelancers, to colleagues, strangers and friends, I am so, so sorry. One way we can help as freelance business owners is to be an ally to people who are not white, not heterosexual, who don’t have the privilege some of us were born into. For example, if you hire subcontractors, you can do a little extra work to go outside your regular circle and try to hire people from marginalized groups. You can buy products from minority-owned businesses. You can reach out to other freelancers when you hear of gigs that aren’t the right fit for you. In this podcast I made a conscious decision from the beginning to try to have a diverse array of voices when I have guests on. And I haven’t done a great job at this—mostly because I have often brought on guests I knew in real life and that tends to be other white women. This is a common problem in our society—we stay in our bubbles when hiring, reaching out, mentoring. And our bubbles often look like us. I just did an audit of my podcast guest list, and out of 20 guests since I launched last year, I’ve had five people of color on my podcast. So, 20%. The rest were 12 white women and 3 white men. That’s not good enough. I need to do much better. I need to search out more diverse voices, even if that is more work. So, that’s what I plan to do. And when I say diversity, I mean racial and ethnic, but also LGBTQ people, people with disabilities, regional diversity and more. I commit to doing this work, but if you know of freelancers—or people who are experts in a certain area who could help freelancers—and you want to suggest names to me, feel free to DM or tag me on Twitter @MelEdits or email me at melanie@meledits.com.   Now, reimagining your goals. Time to pivot … Let’s talk about how to reimagine your goals during a time of crisis. This could be any crisis in your life, whether global or very personal. Right now, of course we’re dealing with a health pandemic and a global economic crisis that affects all of us in varying degrees. In episode 53, I talked about how to find your resilience and pivot right now and the fact that you are being forced to pivot because of the pandemic. But I want to think of this a little differently this week. How can you shift your mindset and see this as an opportunity to reexamine and change up your goals? First, what were your goals this year? Did you set some? If you didn’t have them written down or they were kind of vague, take some time now to think back to December and January. What did you imagine yourself doing this year in your personal life and in your business? I had some big goals this year, including a huge income goal that I was really excited about. More money would mean more travel with my husband and fixing a few things around the house. Now, of course I’m doing my best just to cover the bills. And this could be my worst financial year in my 7 years as a freelancer. Let’s first talk about our income goals. There are two main areas I see that could affect your income goal right now—that you are losing clients but also that you might have less time, particularly if you have children now at home. If you are taking care of children, can you realistically continue to work the same amount of hours you were working pre-pandemic? And if you have lost work, how much money can you realistically earn right now? For the past few months you may have been marketing and networking and reaching out and taking whatever work comes your way. In other words, you have been constantly hustling to get more work. And I understand the need for that. But, you need to take the time to take a breath and figure out a long-term strategy. What areas of your business are doing the best right now? What services can you offer that people want? What industries and companies can you go after that are doing OK in the pandemic, maybe even doing well and are hiring? Start adjusting your goals or creating new ones based on your answers. Here’s what I’ve done: I’m a writer and an editor. I offer a variety of services, but what I really love to do is put together publications as a managing editor of magazines and newsletters. But that takes a lot of time and I can only commit to a few of those clients at a time. Pre-pandemic, I had two clients where I was managing editor. Now, I have one. As a managing editor, I didn’t have a lot of time to write articles. I usually only wrote a couple of big articles every month or two, with four-week deadlines, plus maybe a few smaller articles. And I didn’t actually want to be only a freelance writer. I liked editing and having a variety of services. But, writing in my industry pays well and by the project, so during this current crisis I switched up my goals and decided to double-down on writing. I’m a health care writer so I was able to stress that I could write about the coronavirus, science and public health, as I reached out to previous and potential new clients. I quickly received two big assignments related to coronavirus, as well as a few more smaller articles on other topics. My new goal was suddenly to be a full-time freelance writer, with editing—except for my one remaining managing editing gig—taking a backseat. And I surprised myself by liking this focus on writing. I started to contemplate what would happen if I got my anchor client back. Would I want to go back or would I want to stick with writing more? It took a global pandemic for me to reimagine my goals and embrace this new mindset of writing more. Ask yourself: Has there been any little thing that has come out of this pandemic that you might have been forced to do in your business that you enjoyed just a bit? Or have you lost a specific client or type of work and realized you don’t miss it at all? The pandemic has also forced me to slow down, which opened up my day to try new marketing tactics, to network more, to take courses. Now is the time to take advantage of all these free courses. Another goal I’ve switched up is to go back to former work. Several years ago I cut back on some copy editing projects to make room for other more enjoyable, more lucrative work. But I stayed in touch with those previous clients and recently contacted them. One of them hired me again for copy editing, and I was able to pick up right where I left off. Being able to be at home every day also allowed me to take on a new editing project as well, where I’m kind of “on call.” It could have been a mental adjustment to be on call every day. I’m a planner and like my calendar mapped out for the week. But for some reason it wasn’t stressful. I think part of that is the anxiety I’ve felt during the pandemic; if I can deal with the anxiety of this health and economic crisis, I can certainly change my mindset to accept a more flexible daily schedule. You may not have even realized it yet, but you also may have become more accepting and resilient of things that you said you’d never do. You may be more open to new types of work or certain work parameters. So question those hard-and-fast rules you’ve been holding onto in your business. Are they reasonable? Can they be adjusted? Can you be more flexible? In episode 53 about pivoting, I talked about how I told myself to think way, way, way outside the box. And even though I was doing that several weeks ago, it took a few more weeks for me to realize I could adjust my mindset even further. As you’re thinking about all this, continue to ask yourself some big questions, like: What have I always dreamed of doing? What have I put off trying because I didn’t have the time? What areas of my business make the most money and how can I double-down on those? How could I create packages of services to offer right now? What do my clients need and want RIGHT NOW?   Biz Bite: Set a daily timer for dinner prep.   The Bookshelf: “An American Marriage” by Tayari Jones   Resources: Episode #53 of Deliberate Freelancer: Pivoting and Finding Resilience   Episode #2 of Deliberate Freelancer: Discover Your Unique Brilliance   Book list: “An Essential Reading Guide for Fighting Racism”   “For Our White Friends Desiring to Be Allies”   Black Lives Matter website—What We Believe (and how you can help)

When it comes to entrepreneurship, a lot of people are quick to say, “That isn’t for everyone.” In this episode, I want to make the case for entrepreneurship being a viable and desirable option that women of all backgrounds should a least consider.Entrepreneurship is on the rise, especially for women. A few facts:According to a study from American Express, the number of women-owned businesses increased by 114 percent between 1997 and 2017, a rate 2.5 times higher than the national average. In 2018, 11.6 million U.S. businesses were women-owned and generated more than $1.7 trillion in revenue.Women with established businesses rate their well-being almost three times higher than women who aren’t entrepreneurs, and 1.6 times higher than their male counterparts. 68 percent of women owners run their businesses from home, and 78 percent of female entrepreneurs believe they’ve achieved work-life balance.71 percent of new women-owned businesses launched each day are owned by women of color, with Black women as the fastest-growing group of entrepreneurs.Entrepreneurship is an especially appealing option for women due to:FlexibilityMore opportunities for growthMore control over incomeThe ability to pursue personal interests and passionsMany times, especially for marginalized groups, entrepreneurship is a necessity due to a lack of traditional workplace opportunities. This was my experience.There’s a difference between being an entrepreneur and an employer:An entrepreneur is anyone who goes into business for themselves. This often includes businesses with only one employee (the business creator). People who “own their jobs” in this way are known as solopreneurs.An employer is a person or company that provides a job paying wages or a salary to one or more peopleIt’s possible to be an entrepreneur without being an employer. In fact, most entrepreneurs are. According to the Small Business Administration, over 70 percent of businesses in the United States are owned and operated by sole proprietors.You don't have to quit your job! You can always start and run a part-time business, either on its own or in addition to your current job. Expand your thinking about entrepreneurship.Even if you don’t want to own a business, you should at least have multiple streams of income. Here are a few suggestions:Investments: If you don’t want to own a business, owning stock in someone else’s business is the next best thing.Real estate: Buying and holding property will provide you with cash flow, which ensures you can pay your bills even if you lose your 9 to 5.Action Step: Go back to the information you wrote down about your calling and assignment from episodes #2 and #5. Use that information to brainstorm ideas for a potential side hustle.Resources:Episode 2: “Purpose, Calling, Assignment: What’s the Difference?”Episode 5: “5 Questions to Help You Discover Your Calling”"25 Intriguing Facts About the State of Female Entrepreneurship" from Startup Nation

How can you learn anything new if you never try? In this episode with Dr. Richard Ledda we talked about embracing fear and leaning into things that scare you in life and business, and how it is integral to our growth! We also discussed the importance of living with a grateful heart and why Dr. Ledda feels inspired to give back to his profession. Dr. Ledda also shared his incredible story of motivation to become a Chiropractor as a teenager, what success means to him, and why he uses failure as feedback to keep moving his life forward.  Listen to the ChiroInspired podcast here: https://chiroinspired.libsyn.com/ Contact Dr. Melissa Longo to find out about mentoring, group programs or just to offer your ideas here Find all the amazing Rockstar Doctor Life Content and some cool free resources for you at www.rockstardoctorlife.com Resources: Episode #116: Dr. Stephen Franson https://rockstardoctorlife.com/rdl-116-dr-stephen-franson-creating-a-remarkable-life-practice/ Episode #106: Dr. Ed Osburn https://rockstardoctorlife.com/rdl-106-dr-ed-osburn/ About Our Guest: Dr. Richard Ledda graduated from Northwestern Health Sciences University in December 2015 and joined Norwood Chiropractic Centre in January 2016. He was part of many technique clubs during school and has attended several seminars to continuously grow and learn. His family is a strong driving force for him and he has a passion to help as many people as he can to live better, healthier lives.  He is an award winner and host of The Chiro Inspired Podcast which is focused on inspiring Chiropractors and uniting the profession.  More importantly he is a loving partner, son, brother, uncle, and a dog dad to his puppy Hudson.  

For some people, finding and closing lucrative deals is a piece of cake. In fact, today’s guest already closed 12 deals this year. And we’re not even half of the year yet! Juan Fernandez is Viking Real Estate Investment’s seasoned acquisition manager. Aside from being one of the company's rockstar talents, Juan is also proficient in a lot of aspects including team management, direct sales, management, software as a service (SaaS), and even coaching! In this episode, Juan shared many of the techniques he used to effectively and easily find deals and successfully close them. If finding lucrative wholesaling deals has been a struggle for you, today’s episode is exactly what you need to hear! RESOURCES: Episode 285: Next Level Tips from a Professional Cold Caller Wholesaling Inc - TTP Brent Daniels - Real Estate Coach on Youtube Mojo Dialer Talk to People Viking Real Estate Investments Email Address: juan@vikingreinvestments.com

In March 2020 the United States started to go into lockdown as a response to the Covid-19 virus. As we started to stay home and quarantine, the economy started to collapse. In April, a record number of 10 million people filed for unemployment within 2 weeks.Almost overnight, people who had solid jobs in the travel, restaurant and brick and mortar retail businesses have found themselves out of work for the unseen future. As the economy takes a downturn other businesses are finding themselves having to quickly cut costs and let people go. A layoff can bring up many emotions such as fear, anxiety, anger, and depression. If you’ve been laid off during this unprecedented time, we want to help soften your landing, so you can process what has happened and start to figure out your next steps. Get Your Bearings After Being Laid Off For so many, the layoff was sudden and catching them totally unprepared—in other words, it’s been a true shock to their system. The shock of what’s happening in the world coupled with a layoff will set off your fight or flight. When things first happen we can easily let panic set in—and then we try to take action from that place. Take some time to start to feel your emotions, be kind to yourself, and ask yourself some questions so you can understand what is really going on for you. Learn the Practice of Release Yes, much easier said than done but after you’ve done the hard word of feeling the emotion, you need to release it so that it doesn’t keep you stuck in place and drive you in insanity. You can release by exercising, journaling, doing something creative, going for a walk, doing EFT (emotional freedom technique), doing a guided mediation with an app like Calm or Headspace, taking a hot bath, reading, or watching a movie, talking with close friends, coloring. Take Care Of Yourself And Your Emotions During This TimeWhile fight or flight helps you cope immediately, it is not designed to keep you going for weeks at a time. However, so many of us are living in fight or flight indefinitely.After giving yourself a day or two to feel what you need to feel and process it, it’s time to get yourself into more of a routine. RESOURCES Episode 15 8% and rename emotions Episode 16 Language Episode 5 Color Me Happy The Tapping Solution EFT App Calm + Headspace AppNPR: Record 10 Million File for Unemployment in Past Two Weeks Just Gen X—The Resting Mind Facebook Group The Brand of You Creative Brief

In this week’s episode we try and figure out… What time we should wake up and go to bed How important morning routines actually are Whether we are getting the best out of our sleeping time.   Verity and Charelle decided to talk about their routines and more specifically the times they wake up and go to bed. Verity is a natural 6.30am riser (and this is a fairly new thing to her) whereas Charelle lives by the Cinderella clock and makes sure she is in bed before midnight.   Do you have a morning routine? Do you have an alarm clock? Do you force yourself to wake up early as you feel you should?   Verity was naturally a night owl but since attracting a partner and losing bedroom curtains she now happily rises with the dawn chorus. Charelle is used to 1am bedtimes due to her job and has built her routine around a full-time job and side-hustle.   Do you wake up at the same time every day; weekends included? Does your environment or who you live with affect your bedtime? Have you read The Miracle Morning?   We discuss how important sleep is and how we do need to listen to our own cycle and what works best for us. Also what you do with the first hour of your morning could be more important than the actual time you wake up. We look at evening routines and they could be the secret to a great night's sleep and an alternative for night owls. Resources Episode 33 | Morning routines; miracle mornings, night owls and affirmations https://freeandfiguringitout.com/episodes/morning-routine-miracle-morning-night-owls-affirmations   The 5am club https://www.amazon.co.uk/5-AM-Club-Robin-Sharma/dp/0008312834   Elizabeth Gilbert letter to love https://live-happier.com/love-letter-to-yourself-2/ --- Have some feedback, a question you would like us to answer or a topic suggestion? Drop us an email at freeandfiguringitout@gmail.com   Follow us https://www.instagram.com/freeandfiguringitout/    Your hosts are... Charelle Griffith, 31, is a marketing strategist for solopreneurs and founder of PropelHer, a personal development blog and book club. She lives in London, dates men and has been single for 4 years (except for a summer romance in 2018). Connect with Charelle https://www.instagram.com/charellegriffith/  Verity Brown, 33, is a northerner and the founder of The Authentic DatA Revolution and is currently living in the Lake District, UK. She is bisexual, was single for 3.5 years and is in a relationship with a woman. Connect with Verity https://www.instagram.com/theseasaltplan/

I’ve been spending a lot of time thinking about how to get new clients right now. I’ve also been thinking about how I will have to change my business and plan for the next several months or year or two, even though so many things are unknown during this pandemic. First, here are some reminders about how to be a rock star for your clients. This is about your personality, attitude and ability to be helpful. What you should always do, but especially right now: Respond quickly. I know this isn’t always possible. There are exceptions. But when a client emails you, especially if you’re already working on an assignment for them, get back to them quickly—as in that same day if possible. Don’t leave them hanging. Don’t ghost clients. This should be obvious, but I’ve had freelancers working for me who did not only respond quickly, they just didn’t respond at all. For days. On a deadline. And I never hired those people again. Meet your deadlines. If you are having trouble with your deadline, reach out to your client as soon as possible. The worst thing is to reach out the day of and say you can’t meet the deadline. You just sound like you procrastinated. Instead, contact your client several days before your deadline, apologize and ask for an extension. Do the little things. For writers, that might mean suggesting headlines and subheads and creating a list of all sources with contact information for fast fact-checking. Don’t overshare. Clients don’t have the time or mental energy to hear all about your troubles. They just want their project on time and done right. Be helpful. Be polite. Now, I want to share four ideas to consider as you pivot and work to earn more money and gain new clients: Think digital FIRST. And think digital for EVERYTHING. I know some of you might have video chat/Zoom fatigue, but we have to be all digital most of the time. We don’t have a choice. This is the world we live in now. Whether you are already providing services digitally (writing, website design, etc.) or not, you have to think digital for everything right now. On one end of the spectrum are courses and webinars. What skills can you teach online right now? Aim to make money, but this is also about expanding your network and showcasing yourself as an expert—which can then lead to new work. But you can also start smaller, perhaps with Instagram videos or Facebook Live sessions. What are you an expert in that people want to know more about? Join an online practice group, accountability group or Facebook groups. In short, expand your support network. But this is not just about networking. It’s about gathering with people in your industry—or an adjacent industry—to share best practices and ideas about how everyone is pivoting right now. And the people in these groups can also commiserate with you as we all struggle through this. Be a part of the conversation. It can be helpful to talk to friends and commiserate with other freelancers right now, but it’s also important to be a part of the larger conversation as an expert in your field. Pose questions on LinkedIn. Answer questions in Facebook groups. Take part in tweet chats, such as #FreelanceChat every Thursday at 12 p.m. Eastern time. You can also consider being a guest on a podcast—or even starting your own. Write a guest blog post. Be strategic about all this: Who are you trying to reach? Is there a way to reach your potential clients? How can you get out front and center in your industry? Be really helpful. Ask nearly everyone you know: How can I help with your work? What are you struggling with in your position? What does your organization need? Maybe they won’t have work for you right now, but I bet they remember you for asking. Maybe they can offer you a smaller project or you can charge a bit less than you normally would. Or if you can’t help or they need a service you don’t provide, you can refer them to a freelancer who might be able to. If you take nothing else out of this episode, I highly encourage you to think digital first. Think digital for everything. What new and creative ways can you pivot into providing digital services and content for your audience?   Biz Bite: Work outside   The Bookshelf: “The Fact of a Body: A Murder and a Memoir” by Alexandria Marzano-Lesnevich   Resources: Episode #53 of Deliberate Freelancer: Pivoting and Finding Resilience Episode #43 of Deliberate Freelancer: 33 Ways to Find More Clients

It’s time for another installment of the 90-day action plan for unstoppable results! If you’ve been religiously following this awesome series, then you’re most likely talking to leads now and creating a robust foundation. However, if you missed days 1 - 14, go back and listen to them first. You have to keep in mind that the action steps provided will build on each other so it’s crucial that you follow them accordingly. In today’s episode, successful real estate entrepreneur, rockstar wholesaler, and Mr. TTP himself shared another set of invaluable tips you can easily implement to move your wholesaling business forward! Remember, now’s not the time to pause. On the contrary, now’s the perfect time to take action and implement new strategies so you’ll still thrive even during these trying times! RESOURCES: Episode 405: Your 90-Day Action Plan for Unstoppable Results – Day 1 Episode 407: Your 90-Day Action Plan for Unstoppable Results – Days 2 – 4 Episode 410: Your 90-Day Action Plan for Unstoppable Results – Days 5 – 7 Episode 412: Your 90-Day Action Plan for Unstoppable Results – Days 8 – 10 Episode 415: Your 90-Day Action Plan for Unstoppable Results – Days 11 – 14 Wholesaling Inc - TTP Zoom REI Radio Program The ONE Thing by Gary Keller and Jay Papasan DealMachine (Code: TTP) Talk To People

In this time of community quarantines and lockdowns, doing things virtually has become the new norm. If you’re running a wholesale business, you’d be delighted to know that’s something you can do virtually as well. And today’s guest shared how you can make it happen! Lauren Hardy is Wholesaling Inc.’s new rockstar coach. A highly successful real estate investor, she approaches her business with a “people first” mentality. Lauren started her real estate career in 2007 and over the years, she has developed the unique reputation of being a successful “virtual investor.” If you’re considering investing virtually, Lauren can show you the ropes and provide expert guidance. In this episode, she tackled some of the basics of virtual wholesaling—the best approach to use, first step you should do, the importance of partnering with others, and many more. You’ll definitely have a better and clearer perspective of virtual wholesaling after this episode, so don’t miss it! RESOURCES: Episode 317: Wholesaling Anywhere—How One Woman Did 40 Deals Virtually Podio Brent Daniels - Real Estate Coach Youtube Channel Wholesaling Inc - TTP Virtual Investing Mastery

Welcome to Day 16 of the Challenging Times Self Care Challenge.With all the changes, physical distancing and self isolating many of us in the world are currently practicing, it’s my hope that providing a challenge in the form of self care prompts will help to getting some self care practices in place. And making sure to build in some self care in your day might help to support your emotional and mental health during this time, or maybe to be a distraction for a few minutes in your day as you work on a challenge. Please remember that while these are called "Challenge" episodes, they are meant to provide you an opportunity to practice self-care. And that just getting through moment-to-moment and day-to-day currently is a lot. These daily self-care prompts are here to support you. So again, this Challenge isn’t about productivity, it’s about self-care!In this episode, I will be adding a few more details and context regarding the Day Fifteen challenge, introducing and explaining the reason for the Day Sixteen challenge, and steps you can take to complete today's challenge.So I hope you join me in this Challenging Times Self Care Challenge because we're all in this together and this might just be one small way for us to get through it together, too.Please share how you're doing in general, but also how you're doing with the challenges themselves. You can reach on Twitter or email me at mio@lifestuff101.com or Instagram, too. I'd love to share what you're doing and even suggestions for a future challenge on future episodes.Stay safe and in good health! ❤️Resources:● Episode with Debbie Brady: Watching for Depression During a Crisis● Life Stuff 101: LifeStuff101.com | Instagram | Twitter | Facebook● Mio Yokoi: Registered Psychotherapist | Gifts of Sensitivity

Reflection is good for the soul, especially in today’s world. In this episode, I take some time to reflect on the lessons I’ve learned from past podcast guests. Because each guest has been impactful on my personal growth. I hope as you re-listen to some of the interviews, or listen to them for the first time, you will be as inspired too.   Show Highlights  The ever important lesson to live with intention was shared by Joan Mara, Brian Brault, Stacie Barber. Julie Tassy and Emily Cassel stressed the importance of, “Going with your gut.”  Eli Dent, Miranda Barrett, and Krista Moore taught me to keep learning and evolving.  Kiri Masters and Monica Barnet shared the importance of not letting setbacks hold you back.   And finally, I learned the value of not beating yourself up and giving yourself some grace; from Rob Jordan, Katty Douraghy, and Dana Marxer.   Resources:Episode 3 featuring Joan Mara Episode 4 featuring Kiri Masters Episode 5 featuring Brian Brault Episode 7 featuring Krista Moore Episode 8 featuring Katty Douraghy  Episode 9 featuring Eli Dent  Episode 12 featuring Monica Barnet  Episode 14 featuring Emily Cassel  Episode 17 featuring Julie Tassy  Episode 19 featuring Rob Jordan Episode 20 featuring Dana Marxer Episode 27 featuring Miranda Barrett Episode 28 featuring Stacie Barber    Contact Renee:   renee@reneemanning.com Instagram: @Biggest_small_things  Subscribe: https://mailchi.mp/939b8210f2f2/bst   *** EPISODE CREDITS: If you like this podcast and are thinking of creating your own, consider talking to my producer, Danny Ozment. He helps thought leaders, influencers, executives, HR professionals, recruiters, lawyers, realtors, bloggers, coaches, and authors create, launch, and produce podcasts that grow their business and impact the world. Find out more at https://emeraldcitypro.com   

Are you willing to receive this week?   One of the most powerful ways to receive joy is to create laughter. When we allow ourselves to receive joy, we drop all the drama, and we lose all the baggage. The subtle art of receiving requires us to truly tune in to what we are believing and what we say about what we believe. Does your story perpetuate what you actually want to receive?   When we aren’t willing to receive, then we are not giving into our maximum capacity. Eventually, we will run out of energy to give; allow everything to come full circle. The divine masculine wants to be the giver - he wants to set the goal and provide. The divine feminine intends to inspire and create.    Someone decided only giving was a good thing; however, they forgot about the other half of the cycle. Are you willing to receive the amount of love that you want to put into the world? There’s a big difference between being willing to receive something and actively pushing it away.   Remember, we are all worthy of receiving. Plus, sometimes, the universe wants us to let go in order to receive more. In this Episode: All about receiving [ 2:47 ] The subtle art of receiving [ 7:07 ] What happens when we are not willing to receive [ 10:32 ] The struggle with people-pleasing [ 13:32 ] Be willing to participate in receiving [ 15:37 ]   Soul Shifting Quotes:  “Receiving is part of the cycle.” “We don’t look at money as an opportunity for us to receive.” “Show up and receive.” “Allow yourself to feel comfortable to receive wealth.” “You are worthy of receiving.” Resources: Episode 7: Joy Thief: People Pleasing Website: www.rebelsforjoy.com 5 Day Triple Your Joy Challenge: www.rebelsforjoy.com/free IG: www.instagram.com/rebelsforjoy IG Personals: @Bonniekelly.me & @JillianBolanz Facebook Group www.facebook.com/groups/rebelsforjoy YouTube: https://www.youtube.com/rebelsforjoy  

Many people can attest that while wholesaling can have a few challenges, the compensation you get is always well worth the effort. Case in point: today’s rockstar guest earned $12, 087 on a deal he spent just a total of 5 hours on! If we do the math, that’s equivalent to getting paid $2,417.40 per hour! Greg Berney is a phenomenal rhino from Greensboro, North Carolina. The husband and doting dad of 3 has been wholesaling for over 2 years now and has done over 40 deals. In this episode, he shared how the universe helped him with his desire to venture into wholesaling full-time. Join Greg and Cody as they break down one of the most recent deals he did—the challenges he encountered and how he resolved it, the marketing channel he used, and other tips and techniques he swears by. So many gold nuggets in today’s episode, so don’t miss it!   RESOURCES: Episode 283: Making Boatloads of Cash by Driving for Dollars Rich Dad Poor Dad by Robert T. Kiyosaki

SHOW NOTES: This week I'm giving the conclusion to the last dating diaries as well as sharing 3 other dating situations I found myself in over the last month.     MAKEUP MONTHLY * TikTok * Put on makeup * New products I've been trying  *my new foundation combo * revisiting old makeup *quarantine IG live stream series *New Releases *beauty news bites RESOURCES: Episode 29 with Tarryn Feldman IG accounts I recommneded: Nails - Betina Goldstein   Hair-   Casandra Kaeding Makeup-  Laura Borgen SHOP GLAM LATTE MERCH! Sign up for our weekly newsletter The Glam Latte Youtube Channel Shop my Amazon Favorites Give us all your questions! DM on the gram or Hit us up on the PRIVATE Facebook Group!

Today’s guest is Michelle Garrett, a public relations consultant, content creator, blogger, speaker and freelance writer. She is also the host of the weekly tweet chat #FreelanceChat, which you can join every Thursday at 12 p.m. Eastern time. Michelle is the first guest to return to the show. She first appeared on episode #7 to talk about blogging and tweeting to build your business. I invited Michelle back because I knew she would have great advice about how to do marketing, social media and PR for our clients right now during the coronavirus pandemic—while being thoughtful and not tone-deaf. And I knew she would have advice for freelance business owners on how we can continue to market ourselves, network and get new work. Michelle says her clients are all handling marketing and PR during this coronavirus in different ways. The most important thing is to be mindful and thoughtful. As she said, “It’s common sense a little bit. The things that didn’t work before are not going to work now—pushy, salesy.” Be careful about automating social media posts and newsletters. But stopping social media entirely isn’t necessarily the answer because you don’t want to have completely silent social media accounts for several months just to suddenly start again. You have to be aware of the crisis and its effect on people, but not every post and message has to be connected to the coronavirus. Some people will want to escape that for a while. Be careful about your email newsletters and messaging. You don’t want to send emails that talk about how concerned you are for your customers and then make an abrupt pivot to a sales pitch offering a discount. Companies should not disappear. That’s probably the biggest mistake. Think about how your clients can communicate appropriately and effectively. As for freelancers, stay connected with your network, including on social media. Instead of just posting, though, engage with people more. Focus on just a few platforms that you like or that work for you. “It’s OK to email or message clients to check in—How are you doing? How are you getting along?—something subtle, nothing pushy.” Some clients will struggle financially too. But if you’ve already done work, be sure to follow up with the client to be sure you get paid on time. If work is slow, it might be a good time to evaluate your business and your services. Invest that extra time back into your business. How do you want your business to look when this is over? Consider learning new skills. There are a lot of discounted or new online courses right now. Work on getting yourself and your client ready for when the sheltering-in-place ends and businesses start to reopen. Consider what your ideal clients are and be ready when demand picks up again. Moving forward, if you can, start saving money for a crisis, so you won’t panic (as much) next time. Michelle likes to say “make hay while the sun shines.” Try to work as much as you can when the opportunities are there, as much as you feel comfortable. (Melanie took a lower-paying gig recently for $300 that in normal times she might have declined, but cash is critical right now.) Save money where you can. Melanie is holding off on paying her first quarter taxes, even though she has the money. She’s going to wait until quarter two payments are due and possibly pay both quarters at that time, seeing first if she needs that cash to pay her bills between now and then. The IRS has moved the tax deadline from April 15 to July 15, including for estimated taxes. However, the regularly scheduled June 30 estimated tax payment deadline has not been extended. And you should check with your state about its quarterly payments—some states have extended the deadline, while others have not. Self-care is also important. Michelle has been taking walks outside for her self-care—as opposed to her previous routine of walking on a treadmill while watching the news.   Resources: Episode #7 of Deliberate Freelancer: Blogging and Tweeting to Build Your Business, with Michelle Garrett   Michelle Garrett’s website   Michelle Garrett’s blog   Michelle Garrett on Twitter   #FreelanceChat — Twitter chat for freelancers every Thursday at 12 p.m. Eastern (U.S.) time   Frequently asked questions about the coronavirus tax deadline extension

Being a mom takes a HUGE toll on our bodies, from bearing and birthing babies, to breastfeeding, to just caring for children in general. Women tend to suffer much more often than men from the effect of unrealistic societal expectations for our bodies; add in the physical strain from bearing children and it's the perfect storm for self-loathing! Today's episode will take you inside the 5 most common reasons WHY we moms struggle with loving and accepting our bodies, as well as 5 tips for overcoming this propensity for self-criticism. Our bodies are amazing and are meant to come in many shapes and sizes! We just need the tools to find gratitude and appreciation for our unique shapes. Resources:Episode 50: Fitness for Every MomLive Free Creative Episode on ComparisonWardrobe Architect Series from Colette BlogBeauty Redefined

On today’s show I talk about how sometimes I’m just not feeling it. Sometimes I just feel blah and unmotivated. But, I have client work to do. But, I’m having a hard time kicking my butt into gear. Two interesting reasons I might be feeling blah that I learned about in recent years: One, I learned from my acupuncturist that some people feel blah or out of sorts when seasons change. The past two years, I’ve noticed this feeling as winter turns into spring—which is strange because I’m a much bigger fan of spring than I am of winter—but I feel out of sorts around April. And now, this week, my favorite season, summer, has slowly disappeared as October has arrived. That change of seasons might be causing some of my malaise. Another thing that women should be aware of: When your hormone levels go down, you might feel a little unmotivated and not like yourself. This can happen before or during your menstrual cycle, and for those of us in our 40s, it can happen as we head into menopause. A lot of women start experiencing menopausal symptoms in their 40s, so you might want to talk with your doctor about this. Back to feeling blah. As an employee, you can feel blah and show up to work and go through the motions. Maybe you won’t be that productive that day and not on your game, but you’re there and you’re collecting a paycheck. But as a freelancer and business owner, it’s all about discipline. If you don’t work, you don’t get paid. So, how do you push through that malaise and get to work? First, consider taking the day off and NOT pushing through. It will depend on your schedule, but we should not feel guilty for taking a Mental Health Day. So, if your schedule allows, take the day off and do something fun. Treat yourself. That wasn’t an option for me this past Monday. I had work to do. But I ignored my 7 a.m. alarm and dragged myself out of bed at 8 a.m. I took a shower, which is a morning requirement for me, but I realized I needed a plan to push through my lack of motivation. A plan might not help me feel better, but I needed to work. I started by making myself some tea with caffeine. Then I did a few guided meditations for 15 minutes using the Breathe app. Then I listened to a few fun songs, but I cannot listen to music with lyrics while I’m working, so I turned the music off after a few minutes and dug into my email. I asked people on Twitter what they do when they’re struggling like this. Here’s what some of them said: Sarah Brodsky said: I break up the work into 100-word chunks. After writing each chunk, I watch for a few minutes as a reward. I asked Sarah how she keeps from watching too much TV because I think that would be my challenge, even though I really like this idea, and she said the dread of not getting the work done usually keeps her focused. For me, I think I would either need to set a timer to stop watching TV or stand up the entire time, so I’m just watching 10–15 minutes. Chloe Brooks recommended: Break it into chunks with rewards in between! Give yourself 30 minutes to work on something you’d rather do and then bust out the client work. Chloe tells Siri to set a timer. And her rewards may be as simple as stretching in a different room, taking a quick walk around the block, doing a load of dishes/laundry so it stops bugging her. But sometimes she eats some chocolate or watches an episode of something funny. She’s a fan of Brooklyn Nine-Nine and Bob’s Burgers. Chloe also recommended just moving to a different room of the house, which also works for me and was a good reminder. KiKi L’Italien said: I’ll turn off all notifications, shut my office door, set the Insight timer app for 15-20 minutes, and practice a little deep breathing and purposeful NON-action. It works as a reset! Usually I realize how lucky I am to have the work in front of me and it shifts my mindset. Jackie MacDougall said: I give myself one small task. That’s usually enough to trigger motivation. OR I take the day and get up the next day at 5 a.m. to do it. Sometimes I too would rather take the day off or take the afternoon off and just get up super early the next day. A few more tactics that I use: Time tracking. Time tracking usually keeps me on task. I like breaking up the day into chunks of time and time tracking—for whatever reason—keeps me accountable to myself. For example, if I waste time by playing on social media or I take a long lunch while catching up on “The Voice,” I have to look at my time tracking that I scribbled onto a piece of paper. I don’t like the look of spending 30 minutes on Facebook randomly scrolling in the middle of the day or taking a two-hour lunch when I have work to do. Pick one thing. I choose one thing that I absolute have to do that day and focus on getting it done. Its sounds simple, but the concept is described in detail in the book “Make Time,” which describes how you pick a highlight for your day and then laser focus on getting it done by eliminating all distractions. Pick three things. Michael Hyatt, who wrote the book “Free to Focus,” chooses just three things on his to-do list each day and works solely on those. That’s not possible for all of us every day, but when it is, it’s a way to keep you focused. Zero in on those three things and don’t allow yourself to get sidetracked by anything else. Reach out to people. This helped me feel a little better by Monday afternoon, even though I did it on accident. As an introvert, I like to be alone, so when I’m feeling down, I definitely don’t think immediately, “Hey, I need to be around people. I should call my friends!” But three things happened on Monday that made me realize I needed people interactions: I interviewed an inspiring podcast guest who lifted my spirits. Then, by reaching out to my Twitter community and asking them how they dealt with these feelings, I connected with my network online that knows exactly what it’s like to run a freelance business. And the third thing was my husband offered to take my walk with me that afternoon and we spent an hour walking and talking about non-work stuff. Please know that as freelance business owners, sometimes we’re going to feel unmotivated and severely lacking in discipline. Whether you can take the day off or have to push through those feelings, that’s OK. It’s totally normal to feel like this occasionally. I’d love to know what you do to keep on track when crappy moods hit you. Feel free to email me at melanie@meledits.com or tweet me @MelEdits. Biz Bite: Spend Your Morning Focused on Email The Bookshelf: “All You Can Ever Know” by Nicole Chung   Resources: Episode #5 of Deliberate Freelancer: Track Your Time for Better Efficiency “Make Time” by Jake Knapp and John Zeratsky “Free to Focus” by Michael Hyatt Breathe guided meditation app InsightTimer guided meditation app

With the coronavirus pandemic disrupting more and more businesses, it has been another tough week in the financial markets. In this episode, Grant reviews what has happened in the financial markets recently, some of the available policy options, and what they could mean for you. Toward the end of the episode, Grant shares his take on where the economy is heading at the moment. If you have specific questions you’d like us to cover, visit growmoneybusiness.com, and drop your questions in the Mailbag section. Grant will answer your questions in a future episode.  [01:44] Recent Events – Grant reviews what has happened in the financial markets last week. [06:01] The Federal Reserve – Grant explains the Federal Reserve’s role in keeping the economy stable. [09:15] Federal Funds Rate – The Federal Open Markets Committee recently decided to reduce the federal funds rate by a full percentage point. Grant talks about the reason behind this decision and how the federal funds rate works. [12:44] Fiscal Stimulus – The government is planning to cut checks to U.S. adult citizens in an attempt to help people get through this crisis. Grant explains how this fiscal stimulus works. [18:19] Loans for Small Businesses – A part of the fiscal stimulus is meant to give loans to small businesses. Grant talks about the process of obtaining these loans. [20:57] Bailout for Airlines – Last week, Airlines for America, a trade organization for the U.S airline industry, asked the secretary of the treasury for a bailout. Grant shares his take on the controversial nature of this. [23:02] Stock Buybacks – Grant explains what stock buybacks are, and how the airlines have been doing it for years. [28:44] Where We Are at Now – Grant shares his take on the current status of the economy, and what we might expect in the next few weeks. Resources: Episode 02: An Overview of SBA lending with Joe McClure & Chris Boessenecker – bit.ly/2QCF9Eg Federal Funds Rate: bit.ly/2Utxqti Stock Buybacks: A Breakdown: bit.ly/2QEKI4K The Federal Reserve: bit.ly/2xV55nR

It’s time we put our differences with carbs aside! This episode will cover all you need to know about the types of carbs, why you shouldn’t quit them, and what’s actually causing all that bloating. Also, with Ramadan coming up, this is the perfect time to invest in a program that’s going to up your nutrition and exercise game! The meal plans are designed for your lifestyle (and yes, they include carbs) and the workout plan can be done from the gym or your home.    Resources Episode 62: “All About Protein”  Digital Weight Loss Course Baraa’s 8 Week Program

Today’s episode is the last installment of a 3-part series hosted by exceptional coach and prolific wholesaler Todd Toback. In the show, Todd shared 7 of the most effective techniques he has used to negotiate the best possible price for each deal. Why is this important? Because the better the price you can negotiate, the larger the profit you’re going to make! If you need evidence the techniques work, remember this: they’re used by both Todd and Tom Krol and they’re two of the best (and most successful) in the industry. So basically, that’s all the proof you need! As usual, today’s show is loaded with many gold nuggets so you better have a pen and paper handy. You'll also need to jot down several proven techniques and tips so make sure you give today’s show your undivided attention!   MARCH CONTEST ANNOUNCEMENT! For the entire month of March, Wholesaling Inc is running a Ratings and Review contest! We’re going to fly out 3 lucky winners to Florida, paying for airfare and hotel, to spend to full days with Tom Krol! Whether you are trying to land your first deal or scale your existing Wholesaling business, Tom is going to help you crush your obstacles and achieve your goals! And the lucky winners will all be featured as guests on the Wholesaling Inc Podcast! To enter, you must Rate and Review the Wholesaling Inc Podcast on iTunes (5 stars please:) and send a screenshot of the Review to Darrin at darrin@wholesalinginc.com. 3 winners will be chosen at random and announced on the Podcast in April! Good luck!   RESOURCES: Episode 374: How to Meet, Negotiate with, and Close Motivated Sellers (Part 1 of 3) Episode 379: How to Meet, Negotiate with, and Close Motivated Sellers (Part 2 of 3) FREE! "3 Part Video Series Reveals the Closing Secrets of a Seven Figure Wholesaler" Wholesaling Inc Facebook group