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In this Q&A episode, Mikael answers listener questions on training, physiology, long-term athlete development, and more. There are lots of practical tips and takeaways relevant to a wide range of athletes and contexts. HIGHLIGHTS AND KEY TOPICS: How to get as fast as possible at middle-distance triathlon as a 19-year-oldHow to quantify training load and monitor response to loadKey metrics to monitor for overtraining riskHow to select bike cadence when using cycling as cross-training for runningHeart rate drift during Zone 2 cyclingDiscrepancies between cycling and running heart ratesDETAILED EPISODE SHOWNOTES: We have detailed shownotes for all of our episodes. The shownotes are basically the podcast episode in written form, that you can read in 5-10 minutes. They are not transcriptions, but they are also not just surface-level overviews. They provide detailed insights and timestamps for each episode, and are great especially for later review, after you've already listened to an episode. Naturally, as great as they are, they do not cover absolutely everything in as great detail as we can do in a 45-90 minute podcast episode.  The shownotes for today's episode can be found at www.scientifictriathlon.com/tts463/LINKS AND RESOURCES: Critical Power/Speed and training zones calculatorWHAT SHOULD I LISTEN TO NEXT?If you enjoyed this episode, I think you'll love the following episodes: High intensity, running power, suffering capacity, bias in training prescription (Q&A) | EP#447Q&A with Lachlan Kerin | EP#438Q&A (supersized holiday edition) | EP#422You can find our full episode archives here, where you can filter for categories such as Training, Racing, Science & Physiology, Swimming, Cycling, Running etc.You can also find separate archives for specific series of episodes I've done, specifically Q&A episodes, TTS Thursday episodes, and Beginner Tips episodes. LEARN MORE ABOUT SCIENTIFIC TRIATHLON: The Scientific Triathlon website is the home of That Triathlon Show and everything else that we doContact us through our contact form or email me directly (note - email/contact form messages get responded to much more quickly than Instagram DMs)Subscribe to our NewsletterFollow us on InstagramLearn more about our coaching, training plans, and training camps. We have something to offer for everybody from beginners to professionals. HOW CAN I SUPPORT THAT TRIATHLON SHOW (FOR FREE)? I really appreciate you reading this and considering helping the show! If you love the show and want to support it to help ensure it sticks around, there are a few very simple things you can do, at no cost other than a minute of your time. Subscribe to the podcast in your podcast app to automatically get all new episodes as they are released.Tell your friends, internet and social media friends, acquaintances and triathlon frenemies about the podcast. Word of mouth is the best way to grow the podcast by far! Rate and review the podcast (ideally five stars of course!) in your podcast app of choice (Spotify and Apple Podcasts are the biggest and most important ones).Share episodes online and on social media. Share your favourite episodes in your Instagram stories, start a discussion about interesting episodes on forums, reference them in your blog or Substack. SPONSORS: Precision Fuel & Hydration help athletes personalise their hydration and fueling strategies for training and racing. Use the free Fuel & Hydration Planner to get personalised plan for your carbohydrate, sodium and fluid intake in your next event. That Triathlon Show listeners get 15% off their first order of fuel and electrolyte products. Simply use this link and the discount will be auto-applied at the checkout.

1. “How do you like to qualify whether a buyer actually has the capital to close a deal?”Gut check vs. formal proofDifferences between PE-backed and strategic buyersWhat's reasonable to ask for and when in the process 2. “What are some of the best ways a buyer can demonstrate proof of funds early in a process?”Equity commitment lettersBank letters or balance sheetsFund-level detail for PE buyersIs a LOI ever enough? 3. “When you see a buyer lean heavily on an earnout or seller note, what does that tell you about their financial strength?”Earnouts as risk-transfer vs. alignment toolSign of limited capital vs. aggressive valuationHow to structure a seller note to reduce risk 4. “Have you ever had a deal fall apart because the buyer couldn't come up with the money?”Anecdotes of broken deals or red flags missedWhat should have been asked earlierLessons learned about screening buyers 5. “What questions should sellers be asking to vet a buyer's financial capacity?”Go-to questions to ask PE firms, family offices, strategicsWhat not to ask (or how not to ask it)How advisors help behind the scenes to validate 6. “If a seller gets an offer that looks strong on paper — big multiple, big earnout — what's your advice for validating it's real?”The danger of being ‘seduced by the headline multiple'Discounting for deal structure riskHow to tie offer strength to real-world execution ability 7. “Are there particular red flags you see when a buyer isn't financially credible?”Delayed diligence or ghostingLack of transparency around capital sourceToo many approvals needed — unclear decision-makersOffers contingent on future fundraising 8. “What's the advisor's role in protecting the seller from wasting time with unqualified buyers?”Quietly vetting buyers behind the scenesManaging buyer engagement based on credibilityPulling in references or past deal history 9. “What's your take on PE firms that haven't yet closed a platform in the space — does that change how we qualify them?”Platform vs. add-on credibilityOperational readiness of first-time buyersImportance of fund age and deployment schedule 10. “At what point in the process do you think it's fair for a seller to ask for hard financial evidence?”Pre-LOI vs. post-LOIHow to handle it without offendingWhen to walk if transparency isn't thereRELATED EPISODESEpisode 203: Selling Your Business to an Independent Sponsor. Listen now >>Episode 113: Deal Financing- Scenarios, Options and Implications for Both Sides. Listen now >>Episode 97: Understanding Search Funds as an IT Services Seller. Listen now >>Episode 99: IT Services Sellers: Evaluating the Size of a Buyer. Listen now >> Listen to Shoot the Moon on Apple Podcasts or Spotify.Buy, sell, or grow your tech-enabled services firm with Revenue Rocket.

Send us a textWhat if your uterus looked normal on the outside—but inside, it was glued shut? In this episode of Taco Bout Fertility Tuesday, Dr. Mark Amols breaks down the rarely discussed but deeply impactful condition known as Asherman's Syndrome. From why some women are more likely to develop intrauterine adhesions (think “keloid-level healing”) to how it affects menstruation and fertility, you'll learn everything you need to know.We cover:What causes Asherman's Syndrome and who's at riskHow to know if you have it (hint: it's often missed!)The difference between mild “cobweb” scarring and complete uterine cavity obliterationThe gold-standard treatments, including hysteroscopic surgery, estrogen therapy, and balloon/IUD separationEmerging therapies like stem cells, PRP, and amniotic graftsFertility options beyond surrogacy—including IVF and uterine transplantThe emotional toll of Asherman's and why psychological support mattersWhether you're a patient, a partner, or a medical provider, this is the Asherman's deep dive you didn't know you needed. Don't miss it.Thanks for tuning in to another episode of 'Taco Bout Fertility Tuesday' with Dr. Mark Amols. If you found this episode insightful, please share it with friends and family who might benefit from our discussion. Remember, your feedback is invaluable to us – leave us a review on Apple Podcasts, Spotify, or your preferred listening platform. Stay connected with us for updates and fertility tips – follow us on Facebook. For more resources and information, visit our website at www.NewDirectionFertility.com. Have a question or a topic you'd like us to cover? We'd love to hear from you! Reach out to us at TBFT@NewDirectionFertility.com. Join us next Tuesday for more discussions on fertility, where we blend medical expertise with a touch of humor to make complex topics accessible and engaging. Until then, keep the conversation going and remember: understanding your fertility is a journey we're on together.

In this episode of Research Renaissance, host Deborah Westphal sits down with Dr. Alberto Serrano-Pozo, Assistant Professor of Neurology at Harvard Medical School, staff neurologist at Massachusetts General Hospital, and a 2022 Toffler Scholar. Together, they explore Dr. Serrano-Pozo's pioneering research into the role of glial cells—specifically astrocytes—and the APOE gene in the development and progression of Alzheimer's disease.Dr. Serrano-Pozo discusses how astrocytes, long overlooked in favor of neurons, are now recognized as key players in maintaining brain health—and how their dysfunction may contribute to Alzheimer's pathology. The conversation also covers the complexities of the APOE gene variants, how recent discoveries are reshaping our understanding of Alzheimer's across different populations, and promising advances in gene-editing research.Dr. Serrano-Pozo also reflects on the dual role he plays as both a researcher and a clinician, how patient interactions inspire his lab work, and why cautious optimism is warranted as new therapies and technologies emerge.What You'll Learn:Why astrocytes are crucial to brain function—and how they change in Alzheimer'sThe evolving understanding of the APOE gene's role in Alzheimer's riskHow glial cells interact with amyloid plaques and tau tanglesWhy certain APOE variants affect populations differentlyAdvances in gene-editing that may offer future protection against Alzheimer'sThe real-world challenges and rewards of balancing clinical practice with researchA hopeful look at the accelerating pace of Alzheimer's research and innovationKey Quotes: 

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Are you making investment moves that could unknowingly cross the line into mortgage fraud?In today's episode of the Cash Flow Positive Podcast, Kenny Bedwell breaks down some of the hottest (and riskiest) real estate strategies being pushed today—from seller credits to subject-to deals to buying properties under LLCs. Kenny reveals what's truly legal, what's risky, and what could get investors into serious trouble if not handled properly.Packed with practical examples, actionable advice, and a no-nonsense breakdown of gray areas in real estate, this episode will help you stay compliant, protect your investments, and build a smarter portfolio.If you've enjoyed this episode of the Cash Flow Positive podcast, be sure to leave a review and subscribe today! Listen now and enjoy!In This Episode You'll Learn:Why improperly handling seller credits could land you in legal troubleWhat actually constitutes mortgage fraud—and how to avoid itThe difference between seller concessions and seller creditsWhy working with the wrong agent can expose you to major riskHow "subject-to" deals work—and why they're riskier than they appearWhy buying properties in LLCs doesn't always offer the protection you thinkThe smarter way to move a property into an LLC without hurting your financingHow to set up a safe, compliant strategy when investing in gray areasAnd much more...Resources:Connect with Kenny on LinkedInFollow Kenny on Instagram

The aerospace and defense (A&D) startup scene is exploding with innovation—think next-gen drones, on-orbit servicing, and AI-powered mission planning. But amid all the excitement lies a tough reality: to win the trust of government agencies and established prime contractors, startups must demonstrate operational maturity, transparency, and compliance.In this episode, we unpack insights from The Future of Commerce's latest report on how cloud ERP (Enterprise Resource Planning) is becoming a game-changer for A&D startups. We explore how these systems offer much more than back-office efficiency—they deliver built-in industry best practices, enable regulatory compliance, foster supply chain visibility, and establish the credibility necessary to partner and scale.  Whether you're an A&D entrepreneur, investor, or procurement lead, this episode lays out how cloud ERP provides the operational backbone that enables bold innovation to thrive.What You'll Learn in This Episode:

Is keeping your finances separate in marriage putting your relationship at risk? In this episode, we explore why combining finances isn't just a smart money move—it's a crucial step toward building a lasting, unified marriage.We'll cover powerful statistics, expert-backed research, and common misconceptions about money in marriage. You'll discover how financial unity creates trust, simplifies decision-making, and protects your relationship from one of the top causes of divorce: money conflicts.This episode is perfect for engaged couples, newlyweds, or even long-time spouses wondering if it's time to rethink how they handle money.Topics covered:Why “yours vs. mine” doesn't work in a marriage built on unityThe connection between separate finances and divorce riskHow financial transparency leads to deeper trustReal-life examples of couples who turned their marriage around by combining financesPractical tips for merging accounts and setting shared financial goalsWhether you're a saver, spender, or somewhere in between, this conversation will help you align your financial habits with your relationship goals.Articles Referenced https://www.ramseysolutions.com/relationships/married-couples-how-to-combine-bank-accountshttps://www.ramseysolutions.com/company/newsroom/releases/money-ruining-marriages-in-americahttps://middleclassdadmoney.com/should-couples-share-bank-accounts/https://pmc.ncbi.nlm.nih.gov/articles/PMC3230928/https://www.forbes.com/advisor/legal/divorce/divorce-statistics/https://www.yahoo.com/lifestyle/financial-disagreements-strong-predictor-divorce-233000764.htmlhttps://www.thejimenezlawfirm.com/what-percent-of-marriages-end-in-divorce-because-of-money/If you found this episode helpful, consider subscribing for more content on relationships, money, and building a strong future together.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#MarriageAdvice #MoneyAndMarriage #RelationshipGoals #CouplesFinance #DivorcePrevention #SharedFinances #PersonalFinance #FinancialFreedom #MarriageTips #FinanceForCouples #BudgetTogether #FinancialWellness #MarriageSuccess #MoneyTalks #MarriageGoals #CouplesTherapy #RelationshipTips #MoneyMatters #FinancialPlanning #MoneyFights #MarriageHelp #MarriedLife #MarriageCommunication #JointBankAccount #FinanceTips

Send us a textJoin us this week as we welcome Dr. Susannah Unsworth, a women's health expert and menopause specialist, to shed light on the ins and outs of HRT. Whether you're currently using hormone replacement therapy, considering it, or are searching for alternatives after breast cancer, this episode offers valuable insights for you. We dive into various topics including the benefits and safety of HRT, managing menopausal symptoms, personalized treatment options, and the role of lifestyle in navigating menopause. Plus, we discuss whether testosterone is right for you and why some women may struggle with progesterone. Dr. Unsworth provides essential guidance for anyone thinking about HRT. As always, thanks for tuning in, and see you next time! I think you find this conversation reassuring, empowering and educational..Topics we cover . . .Understanding menopause and HRTNavigating breast cancer and HRTCommon menopausal symptoms Vaginal healthy and urinary issuesPersonalising HRT treatmentSafety of HRT - can you use it beyond 5 years?Understanding HRT and breast cancer riskHow long should you take HRT?Alternatives to HRT and ageing well without hormonesThe importance of lifestyle in menopauseExploring testosterone - do you need it?Why some women don't tolerate progesteroneNavigating HRT prescriptions and the role of body identical HRTKey advice for women considering HRT For more information about Dr. Unsworth, visit her at https://cambridgewomenshealth.co.uk/https://cambridgewomenshealth.co.uk/contacthttps://cambridgewomenshealth.co.uk/aboutAmanda Ryder Registered Nutritional Therapist ~ Author of Feel good for Menopause @amandarydernutritionhello@amandaryder.co.ukwww.amandaryder.co.uk

Today I'm talking all things wholesale and retail with Tori Paide and Marla Peoples, acupuncturists and founders of the clean skincare line, TOMA Skincare.Tori and Marla are business partners who both left corporate careers to become acupuncturists. They met in acupuncture school and after going their separate ways after graduation, eventually decided to work together to build multiple practice locations.Today they run The Stillpoint, a wildly successful clinic in Maryland with a huge retail income offering cosmetic acupuncture, microneedling, massage and more.They also teach excellent microneedling classes and facial gua sha online – which is how I discovered them years ago.In this episode, we talk about:How to choose products that sell and also align with the ethos of your business as well as your passionsWhere to buy products at wholesale prices (Faire.com)How to dip your toe in the water with retail, with minimal riskHow to pay your rent from retail income aloneWhat kinds of products sell well at Marla's practiceBrands Tori and Marla recommendAnd much moreSHOW NOTES:Faire.com – Wholesale retail with low minimumsTOMA Skincare Products Wholesale Website for PractitionersTOMA Microneedling Classes Online and In-PersonTOMA on Instagram @tomaskintherapiesSupport the showCurious about Acupuncture Marketing School, the online course for marketing beginners? Join me inside! Click here to learn more.

Medication-related-harm (MRH) is especially prevalent in older adults due to changing physiology as the body ages, increased frailty, and the incidence of polypharmacy in this patient group. Giovanni Furlan of Pfizer discusses what makes this patient group so vulnerable to adverse drug reactions, how poor representation and using age alone to define older adults exacerbates this problem, and suggests ways forward in monitoring drug safety in older patients. Tune in to find out:What makes older adults especially at risk of experiencing adverse drug reactions and medication errorsWhy frailty is far more useful than age in predicting adverse drug reaction riskHow pharmacovigilance in older patients may be improved through pharmaceutical practice and better representation in clinical trials.Want to know more?This interview all started with Giovanni's Uppsala Reports article on how age is insufficient a measure of adverse event risk. Read it here.For a summary of the key points discussed in this interview, read Giovanni's paper on the status of drug safety in geriatric patients.If our discussion of frailty piqued your interest, read this paper on the biology of frailty and how this impacts clinical pharmacology, this multi-centre cohort study that shows frailty is significantly correlated with MRH, and this commentary advocating for consideration of MRH as a geriatric syndrome, which needs to be managed as such. As Giovanni mentioned in the interview, Harlan Krumholz was the first to describe post-hospital syndrome. Learn more about this syndrome by reading his paper.For more on prescribing cascades, their prevention, detection, and reversal, read this paper by Brath and colleagues.Join the conversation on social mediaFollow us on X, LinkedIn, or Facebook and share your thoughts about the show with the hashtag #DrugSafetyMatters.Got a story to share?We're always looking for new content and interesting people to interview. If you have a great idea for a show, get in touch!About UMCRead more about Uppsala Monitoring Centre and how we work to advance medicines safety.

Foods & Habits to Reduce Breast Cancer RiskLet's dive into a crucial topic—breast cancer prevention! Ever thought about how your diet, exercise habits, and even stress levels affect your risk?There's so much we can do to reduce our risk, and it all starts with a healthy lifestyle.Listen in to discover actionable steps to take control of your health!In this episode, you will learn:Benefits of a plant-based diet rich in whole foods and healthy fats for cancer preventionHow reducing fried foods, processed meats, added sugars, and alcohol can lower cancer riskPractical tips for making informed dietary choices and reading food labelsConnection between sugar intake, insulin resistance, and breast cancer riskAlcohol consumption guidelines to reduce breast cancer riskCancer-fighting foods: leafy greens, cruciferous vegetables, berries, fatty fish, and fermented foodsThe role of allium vegetables and cruciferous vegetables in cancer preventionImportance of managing obesity, diet, smoking, and exercise for reducing breast cancer riskHow to reduce exposure to harmful toxins in personal care products and cleaning suppliesStress management techniques: mindfulness, breathwork, and spending time in natureTake charge of your health today by adopting these strategies and reducing your breast cancer risk! **************************************** Have you heard about this? An easy hack to help regulate glucose.It incredibly effective in helping to retain normal blood sugar levels. Glucose Regulation Complex promotes efficient glucose metabolism, which is crucial for our overall health. By integrating this supplement into my routine, along with a healthy plant-forward diet and regular exercise, I've noticed a significant improvement in my glucose metabolism and stability in my blood glucose levels.One of the key ingredients in the Glucose Regulation Complex is alpha-lipoic acid, a powerful antioxidant that provides additional health benefits.*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.GRAB IT HERE!...or copy and paste the link below into your browser: https://us.shaklee.com/site/samanthaharris/Nutrition/Targeted-Solutions/Blood-Sugar/Glucose-Regulation-Complex-Kosher-/p/20749?categoryCode=14013****************************************MORE FUN FROM SAMANTHA:Get my favorite, clean supplements, protein powders, and EWG-Verified clinically proven anti-aging skincare HERE or visit: https://us.shaklee.com/site/samanthaharrisAnd my vetted #1 best toxin-free makeup

Why we need distinct risk buckets: balancing our natural loss aversion with the allure of opportunities that offer the potential for massive upside.Topics covered include:What is modern portfolio theory, and what are some of its flawsWhy so many people have gotten wealthy by being undiversifiedHow to balance personal risk, market risk, and aspirational riskHow prospect theory explains our attraction to positively skewed opportunitiesWhy most people won't get wealthy unless they take some aspirational riskSponsorsNetSuite Delete Me – Use code David20 to get 20% offInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesPortfolio Selection by Harry Markowitz—The Journal of Finance, Vol. 7, No. 1. (Mar., 1952), pp. 77-91Safety First and the Holding of Assets by A. D. Roy—Econometrica, Vol. 20, No. 3 (Jul., 1952), pp. 431-449The Misbehavior of Markets: A Fractal View of Financial Turbulence by Benoit Mandelbrot and Richard L. Hudson—Hachette Book GroupBeyond Markowitz: A Comprehensive Wealth Allocation Framework for Individual Investors by Ashvin B. Chhabra—The Journal of Wealth Managment, Vol. 7, No. 4, pp 8-34, Spring 2005The Wealth of Households: 2021: Current Population Reports by Briana Sullivan, Donald Hays, and Neil Bennett—Census.govAverage, Median, Top 1%, and all United States Net Worth Percentiles—DQYDJPROSPECT THEORY AND STOCK MARKET ANOMALIES by Nicholas C. Barberis, Lawrence J. Jin, and Baolian Wang—NBER WORKING PAPER SERIESRelated Episodes82: Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity460: Should You Be Invested 100% in Stocks Before and During Retirement? A Recent Study Says Yes. 421: Beware of Survivorship Bias When InvestingInvesting Rule One: Avoid Ruin229: Stop Maximizing Your Returns Using Modern Portfolio TheorySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This is one of the most important and practical episodes you will likely ever listen to! As more people speak out publicly, sharing their stories of abuse in the church, more and more churches, denominations, and pastors are growing litigious, further abusing victims in civil court. If you're thinking of going public with your story, LISTEN TO THIS EPISODE! Featuring Jenai Auman, author of the recently released book Othered. We'll Cover: Question to ask yourself before going public with your storyThings to consider before going publicTips to mitigate your riskHOW to prepare IF you get suedWhat to expect from lawyersAnd More* Disclaimer: This is NOT legal Advice! * Read this article, written by Jenai, that inspired Katherine to ask her to talk about this on the podcast. This is seriously one episode Katherine has REALLY wanted to do. Jenai wrote a companion article with examples of corroboration here. Jenai Auman is a Filipina American writer, artist, and author of Othered. She draws from her experience and education to write on healing, hope, and holistic spiritual formation practices.Looking for a trauma-trained mental health professional to work with? www.traumaresolutionandrecovery.com/meet-our-practitionersSign up for Tears of Eden's newsletter to receive updates on the release of Katherine Spearing's upcoming book: www.tearsofeden.org/aboutUncertain is a podcast of Tears of Eden, a community and resource for those in the aftermath of Spiritual Abuse. If you're enjoying this podcast, please take a moment to like, subscribe, or leave a review on your favorite podcasting listening apparatus. You can support the podcast by going to TearsofEden.org/supportTo get in touch with us please email tearsofeden.org@gmail.comFollow on Instagram @uncertainpodcastTranscript is Unedited for Typos and Misspellings[00:00:00] I'm Katherine Spearing and this is Uncertain.Starting in April of this year, I began partnering with Center for Trauma Resolution and Recovery, working as a practitioner for this organization. This organization's CEO is Dr. Laura Anderson. You may be familiar with her. She's been on the pod a couple of different times. She's also the author of the book, When Religion Hurts You.She's awesome. She's the boss. I work with her and a bunch of other really great practitioners over there. If you are looking for mental health professional, a trained, highly qualified, highly experienced mental health professional that can help you navigate religious trauma, spiritual abuse, and all of the sub categories that fall beneath that.I encourage you to check out Center for Trauma Resolution and Recovery. I am currently accepting a few new clients, and there are several other practitioners that are also accepting clients. I know that's a big thing that comes up a lot in the religious trauma spiritual abuse [00:01:00] world is folks just really struggling to find a mental health professional that understands religious trauma and spiritual abuse and the nuances and complexities of the subculture of evangelicalism and church culture.So if that is something that you are looking for, I encourage you to check them out. The link will be in the show notes. Also in April of this year, I signed a book deal with Lake Dry Books. My book, Surprise Surprise is about spiritual abuse. It will be coming out in sometime in 2025. Date is yet to be determined, so I encourage you to sign up for Tears of Eden's mailing list for updates on the release of that book. The need that this book is going to fill in the world of religious trauma and spiritual abuse recovery, that is something that I see lacking in theIt's the need of making the connection between the theology of evangelicalism that actually leads [00:02:00] to the abuse happening. I'm not seeing that a lot in the literature today. Our guest a couple of weeks ago, Krista Brown, she made that connection in her memoir, Baptist Land. But outside of that, it's not really a common thing that folks are addressing. So I felt like it was a pretty important subject to navigate in my book. It's going to be mostly. Following my journey of recovery, but it's not a memoir and it is also going to be pulling some stuff from the work with Tears of Eden. There are direct quotes from podcasts that you may have listened to So sign up for the mailing list so that you can get updates about that. Today's guest is my friend and colleague Janai Allman, and I am so excited about this episode. This is an episode that I have been wanting to do for a couple years. And a few weeks before Janai had, and I had this episode scheduled to record, she sent out a Substacks article about the very subject [00:03:00] that we're going to be talking about today.We are going to talk about her book that just came out, Othered, and we are going to talk about the book a little bit as well, But Janai graciously agreed to have this conversation with me because we both learned a lot of things about telling our stories publicly and how to stay safe and also make sure we get to say our side of the story and those two things are super important on the other side of abuse.So very excited about this episode. I hope this is one that people will re listen to over and over and over again, and I am so excited to be able to include this as a resource for Tears of Eden and for folks who encounter Tears of Eden. Janai Almon is a Filipina American writer and artist who draws from her years in church leadership as well as her trauma informed training to write on healing, hope, and the way forward.She is passionate about providing language to readers so they can find a faith inspiring that freeze. She received her bachelor's degree in behavioral health science, and is currently pursuing a [00:04:00] master's in spiritual formation at Northeastern Seminary. Janiyah lives in Houston, Texas with her husband, Tyler, and their sons, Quinn and Graham.Here is my interview with Janiyah Allman Katherine: Hello, Janai. Jenai: Hi. How are you? I'm really good. I'm so glad we're doing this. Katherine: Yes, me too. I'm very excited about this episode and the subject that we are going to talk about today because it is one, as you and I have, talked about prior to the episode is something that is a big discussion within the survivor community for folks who are wanting to go public with their stories and discussing how to protect ourselves from the potential for a civil lawsuit.It is not an uncommon thing and it's becoming more common like I'm, I'm seeing it happen a lot. You just went through experience of writing a book before we [00:05:00] jumped on, you talked about going through a legal review when you were writing your book. So everything that we're sharing today is going to just be to help people have some awareness about this experience of going public with your story and protecting yourself because you want to, you want to protect yourself. As we jump in, I definitely want to highlight your book . So give folks a just rundown of what your book is and why you wanted to write this book. Jenai: Yeah, I, so my book is a faith oriented book, so I know that some people who might listen to Uncertain, they might be in varying degrees of faith, or totally deconverted altogether, I make space for the deconverted, and but also, I wrote this space reorienting, or I wrote the book reorienting, like, how I posture myself to Like the stories in the Bible and I weave in personal narrative.So this is what I experienced. How does that, how is that at all in accord with scripture? How, and it isn't [00:06:00] a lot of what I experienced while working on staff at a church, one of those churches that are often in those podcasts where they talk about the main guy who started the affiliation yelling at people.Like, I think people, I was a part of a very high control, very toxic masculinity church planting network. And I was ostracized and kicked out essentially othered in from my church because I wouldn't, I wouldn't shut up and I wouldn't, I wouldn't stop advocating for myself. And so I wrote othered.To tell my story and to essentially provide a road map to this is why I still am a Christian. I kind of detangled my experience of that space from the harm I experienced. And I have found a renewed relationship in God. However, it doesn't land per like I'm not in a church today. I'm not and some people, they are so mad that I'm not in a church today.Which, that's like a whole other thing. And then other people are going to be mad that Katherine: you still identify as a [00:07:00] Christian. Yeah. Jenai: Yeah. Like I'm not in a church. I still identify as a Christian. I'm in seminary. So that makes it like even kookier for people. And, and so I sit in a weird place where even as I tell my story, sometimes I still feel very othered because I haven't landed where other people wanted me to land.But that's kind of the whole point. Like I want people to feel free to land wherever, even my, like, I don't mention my husband very often, but even my husband has landed somewhere different in faith. And that's like much more toward deconversion. And so I hold space for a lot of different people. So anyway, I wrote other, I share, it's not a memoir.So it doesn't tell even people get mad whenever I say, I don't say everything that happened in the book, and I think we're going to talk about all of that and maybe why I didn't do that. A lot of that is just to protect myself. I think a lot of people want that, though, and they don't understand the risk that goes into telling everything like in a memoir style.I just use [00:08:00] pieces of the story. Like, my story is not up for debate. But I just used these instances, instances and moments to say, here's where something in me fractured and I had to find my way back to myself again. So yeah, I'm really glad to share. Katherine: Absolutely. And I really appreciate you sort of setting things up and just kind of letting folks know like this is where I have landed.Yeah, I had space for other people for where they have landed. I think that's really helpful because I think a lot of folks from evangelicalism will, like, come on and talk about you know, what they believe. And there is this, like, very subtle agenda of, like, I want you to believe the same thing as me which comes straight out of, These toxic evangelical cultures of like, we can't interact with you unless you believe the same thing.And so I really appreciate that. You've set it up that way and that you have written the book that way pertaining to the subject that we're going to [00:09:00] discuss today. What did you, what made you feel like it was important to write this story? in a public way and put it in a book and put it on all of the other public writing that you have written. You may already know this, but the uncertain podcast is the affiliate podcast of tears at Eden, a nonprofit that serves as a community and resource for survivors of spiritual abuse. This podcast and the work of tears are supported by donations from generous listeners. Like you. If you're enjoying this podcast, please consider giving a donation by using the link in the show notes or visiting tears of eaton.org/support. You can also support the podcast by rating and leaving a review and sharing on social media. If you're not already following us, please follow us on Facebook at tears of Eden and Instagram at uncertain podcast. Thanks so much for listening.And now back to the show. Katherine: what made you feel like it was important to write this story? in a public way and put it in a book and put [00:10:00] it on all of the other public writing that you have written.Jenai: Yeah. Well, it was, I can imagine cause there was a lot of back and forth between me and the leadership of the church of like, what was wrong, what wasn't wrong. And, and I was watching them and this is probably something you, you resonate with also, but like watching them make it make sense in their heads, like take this really.dumb argument that they've made and they've kind of loaded it with a lot of Christian speak to somehow justify like whatever conclusion that they came to. So in short, I was terminated from my position. They never used the word terminated though. They always used transition out. That was kind of a part of the The Christian speak, you know, yes, it made it sound like more polite to them as if what they weren't what they were doing to me was not impolite or like rude or loving.They were like, Oh, we're just transitioning her out. We're just like jet [00:11:00] gently pushing her out and telling her to shut the hell up. I'm sorry. I don't know if this is a you're allowed to pass. Katherine: Yes. Jenai: And so Yeah, I was like, you use these grace laced words and so I kind of started fighting back with no, you're not supposed to do this isn't so in many ways the book and the book's not an argument.It's not formatted as an argument. It is essentially kind of how I kept fighting back. And I don't even say this in the book. It's it was my resistance and how my resistance played out over the course of time Using the very scriptures that they were trying to use against me and I was saying no, no, no, no, no Like Katherine: yeah, Jenai: you know I think a big a big banner scripture and it's not in the book at all Ezekiel 34 like you are feeding on the sheep I am a sheep that was in your care and the ways in which I was treated wasn't okay And you're supposed to hear my voice And you didn't just not hear me.You like silenced me. And [00:12:00] so writing the book was pivotal for me because I think many other people are having to deal with that too. That doublespeak, duplicitousness. And they don't know how to combat it. And for whatever reason, maybe it's my stubborn, Filipina nature or maybe it's a little bit of like Texas stubborn in me as well, but I was like you You will not overpower me.You have done everything to like push me out, but I I will Like there was something stubborn in me that was like, I will dig down. Cause I know something in this is not right. And I'm going to keep speaking up. So yeah, I thought it was super pivotal to give people language. And I think some of that says that in my bio, like I want to provide people with language.I don't know what it is. I don't want to tell people what to do, but I want to give them language to say, this is what my resistance looks like, and Katherine: I Jenai: hope and healing, I think healing and resistance are both and and I think this is what you can envision for yourself also. Katherine: Right. I love that healing and resistance are both [00:13:00] and and for whatever reason that someone chooses to go public with their story.Part of that reason could just could be the healing reason like that. That is that feels important to me as a part of my healing. I need this story to be public. It could be just to teach people as you, as you chose to do just to sort of show people. Here are. other ways to interpret these things that these power hoarders are just, you know, funneling at you and there's so many of them and they're so powerful and they're so convincing and they're so nice when they say it, it's really hard to, to fight back even just in our own minds.So there's so many reasons why someone feels that it's important. to go public with their story. And what we're going to talk about today, folks, is how to protect yourself if you decide to go [00:14:00] public with your story. Disclaimer at the very beginning. Neither Janai nor I are legal counsel, we are not lawyers, we have life experience that we are going to share, we are going to give recommendations, but we encourage everyone to do your own research, look into this yourself, know what the risks are because there are risks.When you put your story of being abused in public and make the best wise decision for you and your health and where you are in your story. So with that disclaimer, we're going to kind of talk about two different parts in this episode. One, we're just going to talk about ways that you can safely tell your story that might mitigate your opportunities or the potential risk of being sued by someone.Yeah. That said. Someone can file a civil lawsuit for anything. They don't have to have corroborating evidence or anything. [00:15:00] They can make up a total lie to file a civil lawsuit. All they need is Money, really, that's really the only thing that they need. And so we're never going to be able to completely eliminate the risk for being sued, but there are some things that we have learned on our journeys that can help us navigate and protect ourselves in the event that that actually happens.So that's going to be the part two of this episode. jumping right in. If you have some things that you have learned in your process about ways to phrase things, how to phrase things, things that you learned while writing your book of, okay, I can't say that, but I can say this, would love to hear just a rundown of some stuff that you have learned in your process of telling your story publicly.Jenai: Yeah, yeah. Well, and I'll say sometimes I share parts of my story on Instagram and no [00:16:00] one's really policing what I say on Instagram. But there was much more kind of like being cautious and careful in a publication, like a book. And so just before I wrote. Or finished the manuscript of Othered. I think it was Prince Harry's memoir.Yeah, his memoir came out. And I, and I was like, I want to read that. And I just read it before even finishing the manuscript. Just because I wanted to see, how does he tell this? And not have the power of the throne come down at him. And if anyone, I began paying attention, I mean the story is wild, but also began paying attention to how he told it, or how the ghost writer was telling it for him.And I don't know if anyone else has read it, but there's kind of like, sometimes you read like, him saying, did this happen? He's like self doubting. Yes. In, in the book. Did you pick up on that also? Huh. Katherine: Yeah. Jenai: Like he was like, I, am I remembering this correctly? Almost as [00:17:00] if like, you can't come after me.I'm telling you that it's just my memory. It's just Katherine: memory. Jenai: So I learned that it is different to write something as 100 percent fact, even though there are things in my book that were 100 percent fact. This is what happened, but because I didn't have evidence or I didn't have like a screenshot or a recording of the meeting to say this is 100 percent fact, I had to say.And this is such, it's weaker. It makes for weaker writing, but it protects you more. I had to say, I remember this person saying, Katherine: yeah. Jenai: Whereas before I had it written in dialogue, like so and so said this to me, and I responded in this way, and they said, we need this corroborated, or we need evidence, or you need to re write it and say, I remember.this happening. I remember this happening. And I thought, man, like, it kind of sucks a little bit. It sucks the, like the, the wind from your sails. But I remember that being a [00:18:00] pivotal a pivotal point in like, Oh, then there were some things I do. And I, I remember, I don't know if anyone's in the middle of anything.And I'm in a one party state, meaning as long as one party in the conversation consents to a recording. You can record the conversation. And so long as I was a party, I, I, I was like, I give myself consent to record this conversation, something in my gut before I even left my position, something in my gut said, Start recording these conversations.And so I did. You're going to have to look up your own local laws to see if you're a one party or a two party state. Sometimes you need consent from everyone in the meeting before you can record. I know California is like that and maybe others. Yeah. And so I remember hitting record. And feeling a little bit bad about that.I'm like, this is, this is, this seems weird and creepy on my part at the time, but there was something in my gut [00:19:00] that was telling me, record this conversation. And I remember texting a fellow coworker who was also experiencing the same like mess that I was. And I texted her and I said, is it wrong of me to record this conversation?And she goes, Oh my gosh, yes. And I thought it was wrong. Yes. She, even she like, even in who, And even she couldn't, cause it feels that creepy. Yeah. Like even the people who are in it with you might think, oh, this isn't gracious of you. But I didn't listen to her and I thought I was going to keep recording.And now, like if I talk to her now. And I told her, Hey, remember when you told me I should stop recording? I didn't, she would probably say, I'm so glad you didn't listen to me. Right. I'm so glad you just kept doing it. And so I, I did have evidence. I did have evidence. I had screenshots. Instagram messages, or not Instagram, my goodness.IPhone, iMessage. Katherine: Yeah. Jenai: Like they have like these settings where it says, you know, delete my messages after a month, delete 'em after a year or whatever. I [00:20:00] turn that feature off, so I have a ton of like, storage on my phone from all my stored messages, but that's really so that I have all the evidence.And so I took screenshots. Yeah. And I put all of that in a folder to send off. For those that don't know, when you read a, when you write a book, they usually do what's called a permissions read. Meaning if you added stories of other people your editor will go through and read to see who do you need permission from.And they'll give you like a form to send to that friend who says, I give permission for this story to be in the book. And for me, I thought, well, I don't know how this is going to work. I'm not going to get permission from anyone to tell the story. Katherine: Yeah, Jenai: and they emailed me back and they were like, congratulations, you don't need to get permission.However, we do need to do a corroboration read or a legal read of the book, and this is what our lawyer has flagged as like comments in the document for like, this is where you need [00:21:00] corroboration or change the word or evidence and Yeah, so that's kind of like an overview of the process. Katherine: And corroboration is another person saying, yes, that.Yes, Jenai: yes, that happened. Even, even though you don't have evidence, if someone else can say, yes, this happened, I was there, I witnessed it. I know that that is exactly how that it played out. They are kind of like your witness. It is not evidence. It's your witness. Katherine: Yeah, absolutely. And that is. For them and for you in the event that you do get sued.We already have this ready, we have to go, we have someone backing this up, we have someone that has verified that this is true for that again doesn't necessarily prevent the lawsuit from happening, but it is stuff that can just protect you in the event. Some other things that are helpful that you are.Probably alluding to saying things like allegedly, or it is my opinion [00:22:00] appeared to me that X, Y said this, or it seemed as if, and that feels so weird saying that when it's like your story and it happened to you, but it's also just kind of acknowledging. A human limitation. So just kind of putting it in that category.And, and memory memory does change over time. It doesn't mean that it wasn't 100 percent true, but it we're just we're just kind of acknowledging human beings have limitations and I am a human being, and it's and it's protection. It's okay to protect yourself. You are not being dishonest, but it is, it does feel so weird, especially when we come out of these environments where we have been silenced and our story and our narrative gets taken by other people and twisted and reframed.We just want to say it like this happened and this person was so horrible, awful, blah, blah, blah, blah. And there are [00:23:00] spaces to do that. And. Maybe write the first draft with like every expletive you ever wanted to use, get it all out and then go back. and adjust it for public consumption. Maybe wait a few days.And so yes, those emotions need to be felt. Those emotions need to be gotten out and you also want to protect yourself. So both of those things can happen. And the importance of just the reality that the story is out there and there may be some things that just feel a little weird to say them a certain way, but it has a story out there.How do you navigate that of like, this wasn't the most ideal way to write this but it was the safest way to write this. How do you navigate that experience? Jenai: Yeah. I remember In, I think it's in the first chapter of the book, I am certain it's in the first chapter of the book, because I start the book with a story [00:24:00] of my first day of work that started with my executive director yelling Or, you know, whatever your definition of, yeah, I think it was yelling I called it not yelling, but he was raising his voice because, you know, there is no, I can't track the decibel level of what he's saying, and like, I don't want that to be a whole argument, but even that, I kind of cushioned and said, He wasn't yelling, but he was raising his voice to the degree that everyone in the building could hear him.You know what I mean? Katherine: Yeah, and so people are going to be like, he was yelling. Jenai: Yeah, he was yelling. And so it's subversive little things like that. And so. I, I kind of cushioned where I could, but then later in the chapter when I, my first chapter is kind of about giving people terms, because people use spiritual abuse in different ways, or church hurt in different ways, and so I kind of tracked with like, this is how I'm using them for the book.So I tell that [00:25:00] story, and then I share kind of my definition of these terms, and because I put some cushion in the story later when I talk about that experience, when I name what happened in that experience, I say, this was spiritually abusive. And I just say it. I felt like I had the confidence to say it there, because I had the allegedly in the cushion.I didn't, I didn't have to write this was a, I alleged that this was spiritual abuse. I could just say it with punch and power later in the chapter. And so there are kind of subversive ways like that, that you as a writer, or even if you tell your story because I know some people might be Not everyone's writing, some people are podcasters, some people are sharing their stories in different ways and so there are there are subversive ways to tell the truth, such that you are clever, and you can protect yourself as well.There's something, some verse in Matthew that's like, you know, be as wise as a serpent. But be as gentle as a dove [00:26:00] and I think I do that in the book like I had to navigate this I wanted the book to be compassionate, but I also wanted to be clever and I wanted to show like I could still tell my story and so yeah, there's places you can put cushion when you need to.And then if you're, if you're clever with your writing, the imagery and or the, you know, the imagination of the reader will fill in the gaps. Thanks. Yeah, Katherine: but then you are still protected. Jenai: Yeah. Katherine: Another, another thing that feels weird is when we're writing about someone who's not a public figure changing names, changing physical identifiers, that also feels super weird.Cause we're like, we just want them to know that it was this person. But the reality is that most people don't know that person. And so thinking of it as a wider. public facing thing rather than the 5, 10, 20, 100, or a thousand people within that space who would know who that is. And that vindication that we [00:27:00] would get from making it obvious who the person is versus protecting ourselves and, and just changing their name, changing physical identifiers.That's different if it is a public figure. When it's a public figure, you can phrase it. a way to phrase it is, or a way to, to angle it or approach it is to write it as if it is for the public good. Like, Hey, a lot of people are asking me about this person. And so I'm sharing this story so that the public will know that this happened, or it isn't, it is important to me that people know that this, you know, public figure.You know, Robbie Zacharias is a predator, you know, like, like stuff like that, where you are, you are saying you're doing it for the public good. And in essence, you are. So that is another way where they, again, they can still see you for [00:28:00] defamation and libel, all of the things. But when you're approaching it as I'm doing this for the, like, Oh, I'm just doing this for the public.And that's what, that's what journalists do. Like they, that's why they write, like, you know, Or that's the ethics that they are supposed to follow of this is important information. This is truth that the public needs to be aware of. And so that's another angle to approach it as and even a way to kind of approach the story as a, as a whole, as you, you did of It's important that people know there's a different way to interpret these verses and making sure that the public knows that there are other ways to say this.And that's another angle. And Jenai: that's why I actually don't use names or even fake names at all in my book. And I think that's a reason why I think people approach it. They're like, this is Jani's story. And I was like, this is really the story of my resistance. It's not the [00:29:00] story of like everything that happened.And so I think that might, like, you know, I think people want to hear like the nitty gritty and I. I would have had to use so much more mental and emotional labor if I was telling stories of how they allegedly kept using my social security number for their church credit card 18 months after I was fired.You know, like, I, I would have to, like, it would take so long. So much more mental labor for me to talk about, like how financial fraud came about or how, how all these other things happened and changing names. And so that's why I was like, I can't write a memoir. I'm not a memoirist. Katherine: Mm-Hmm, . Jenai: But I can tell my story of my resistance and in doing it, framing it that way, I could tell pieces of my story and then not use names.And so I say things like executive director. Yeah, or a senior pastor or lead pastor. And so the people who [00:30:00] are there who read the book will know exactly who I'm talking about. And another way that I've protected myself, and I don't know if a lot of people know this, is that I actually helped plant the church.And what I mean, what I say, what I mean when I say that is, In Texas, when you file for a non profit or corporate, a non profit corporation status with our state, you have to have three signing directors to kind of legalize this organization with, you know, the Austin. the state capitol. And I was one of the signers.So there, it was me and two other guys as signing directors that that stuff is open access. So if you go and Google that stuff, you find my name connected to that church. One way that I've protected myself is I don't write under my full name, Jani Amen. That's my first and my middle name. And When you, I mean, they could still probably find, if someone digs enough, [00:31:00] they can find it.But I can say I put, like, measures in place to not be connected. I don't name the church, that's another thing. I don't talk about even the neighborhood that it was in in the book. So people can't geographically locate it. So, in many ways, I have hemmed myself in from further harm that they could do, and I've just, I've provided cushion in other ways, not just in the book, but in how I approach telling my story, and a pen name, that's not deceptive to readers, that's like, pen names Yeah, pen names are, yeah, it's like industry standard people I mean, that's happened, pen names have happened for a long time.And so I didn't, I'm still writing under my genuine names. I'm just writing under my first and my middle name. Which is what a lot of people do. So yeah, that was just another way I protected myself. Katherine: Yeah. And then another [00:32:00] small detail that could play a role is the names of states lawsuits are, are usually organized by a state and it's called jurisdiction. So if it's if it's possible to remove even state identifiers and just use the area of the country or change the state or whatever, then that just that ties things up. Legally within the context of of a lawsuit and can make it like if it's outside of the, the person who did the wrong, allegedly did the wrong outside of their state and they have to sue across state lines or, or something like that.And, and there's no, indication that it actually happened within the state, within the writing then that can just make it a little bit trickier to file a lawsuit and to, to get it [00:33:00] through. And so it just makes it a little bit more challenging. So those are just some other things to consider as you're, as you're writing.I know when I write about my family, I always say the South. I never say the state. I always say the South. I've started doing very recently. And even if people ask me like in person where I grew up, I just say the South and they'll be like, where? And I was like, I just say the South. Just cause I don't want that connection to a specific state for those jurisdiction reasons.Another fun fact tidbit that is not legal advice. Interested in listening to more than 40 archived Uncertain Podcast episodes? All you have to do is sign up to become a monthly supporter of 5 or more. Becoming a monthly supporter will give you access to popular episodes such as Confessions of a Christian Parent and When Bad People Do Good Things.You'll also get access to this episode without any interruptions from yours truly. Become a monthly supporter today by going to tiersofedian. org slash [00:34:00] support.Katherine: All right. Anything more we want to say about that before we jump into the experience of. working with lawyers and what what might happen on the other side of a lawsuit. Jenai: No, I, I think that kind of tidies up the I will say I have a very unique name.Not every, if you're like a Rachel Smith, You know, you probably have, if someone Googles you they're gonna find so many other Rachel Smiths. And so with the pen name thing, I don't want anyone to freak out or feel like they have to change their name, especially if your name means a lot to you. So please, I just want to be like really sensitive to that.As a Jani Amon, I, you know, or just a Jani in general, they're going to find me. I'm going to be on page one of the Google there, there are more of us than I realize, but the, there aren't as many who are public on the internet. And so, yeah, I would say that's the only thing I can say a Houston church and everyone's like Katherine: Yeah. We'll find you. People find you. And I mean, that is something that you can do. It's not, you know, [00:35:00] It's a it's an option for for protection using using the the pen name.And I think, as you said, if it's. very intentional that we're not trying to like go after this person and take them down. It, it helps. Those are just little things that can help. As we jump into talking about the bum, bum, bum, bum, what if you do get sued? Let's talk about some ways that We can protect ourselves in the event that that happens.It is not uncommon and just want to let folks know from where I sit in the work that I do, I am seeing, if you're talking about the spiritual abuse space and going public about abuse that pastors have done or denominations or whatever, I am watching pastors and denominations and organizations become more litigious.They are, they are fighting back. By filing civil suits. [00:36:00] Now it is my opinion. We need to also be fighting back and filing civil suits. But when you've been abused, a lot of times you don't want to do that. And that is it's over for you. You are moving on and health and you do not want to interact with that person anymore.But the, the increase of lawsuits and civil suits from. Pastors suing folks who have accused them of abuse that is growing and I project is probably going to continue to grow as they fight back and they lose power. So it is not. a unlikely event if you start going public and start talking about specific people especially and specific denominations especially.Very sad, just going to acknowledge that right here that that even needs to be a reality but as you absolutely quoted at the beginning Be Wise is Wise as serpents and gentle as doves and this is just a way to be [00:37:00] real wise when we start going public with our stories. Now, one thing to just be aware of, of I don't know that a lot of people know this but you can get Insurance for yourself for things like liable defamation, slander.And if you, I recommend talking to a local broker in your city and just say, Hey, this is what I'm doing. I have a podcast or I put a lot of stuff on my website or I'm writing a book and I need coverage. What are your recommendations? The brokerage will do, broker will do the research for you and likely present you with some options of things that you can purchase for your own protection.When you do that, when you have insurance and if these, you know, alleged abusers know that you have insurance, it does increase the likelihood that you're going to get sued. And the reason why is because if you get [00:38:00] sued and you have no money there, you file bankruptcy and they get nothing. If you, if they see you and have insurance, then they are increasing the likelihood that they are going to get money because insurances can just decide.This is, it's more expensive to defend this case than to settle this case and they can make that decision that they're going to settle instead of defend. That's just a nuance of how the system works. It does not mean that you are admitting fault. You never have to admit fault. But if an insurance company is covering you, then they might make that choice on your behalf.They can do that. And lawyers know that and so if you have insurance, it does increase. slightly increase your chance of getting sued. However, the alternative is basically you don't have insurance and then you then not only are going through the horrendous [00:39:00] emotional stress of a lawsuit, you're also having to pay for it.So that is just something to consider. As you are going public with your story and something very simple that you can do to protect yourself. You can add it on to your renter's insurance. You can add it on to your mortgage. I think it's a, if it's something that you do regularly, like for you and I, or for myself forming an LLC, forming a nonprofit so that you have the insurance to cover that specific entity and you do all of the work under that entity.So then you are not on the hook should something happen because it's under that entity. Those are just real weird nuances and something that most people are never going to have to know or be aware of. But for this particular thing of going public about our story of abuse is something for folks to be aware of.Would you like to share about what someone might expect [00:40:00] when, if they have to interact with lawyers? Jenai: Yes. And that was hard. That was hard. I don't remember if we said this during the recording, but lawyers are not. Dental? Yes. They're not trauma informed.They don't really, their concern is, Like winning and not necessarily, I mean, that's kind of like what I feel like with pastors, pastors are so many pastors, not all pastors are concerned about like upping the numbers. And sometimes the spiritual abuse happens because they look at the metrics and not at the people.And in many ways, I kind of felt some of that with like, Katherine: Hey, Jenai: just want to make sure that they win, not necessarily that this person is cared for. That's someone else's job. I will say I do not have a lawyer. I had, I worked with the lawyer, the legal representation with my publisher, so when I, when they did that permissions read, that was [00:41:00] not a permissions read, and they transferred it over to a legal read the editor read through, but then the editor also had the lawyer read through.And the lawyer went through and commented on the document certain things. Sometimes I don't know if I was supposed to see these comments or if they were supposed to scrub them. And I, I, because in reading some of their comments, they're trying to think about how can this writer say this? So that really so that everyone is protected, but sometimes they write it as if the writer did something wrong here and it just lands on you kind of hard.And getting the email that said, you know, we need, we need you to provide corroboration. It felt a lot like, They don't believe me. Katherine: Yeah. You have to prove that this was true. Jenai: Yes. Katherine: Yeah. And Jenai: that I knew it was coming from other people I had spoken with and other writers and authors that I know of. I knew that this was coming, so it didn't [00:42:00] hit me too hard.Katherine: Mm-Hmm. . I Jenai: can imagine that it might if other, other people aren't experiencing that, and I think. Oh, I'm so grateful for my agent. So if someone, if you can work with an agent some people say find whatever agent that you can find. But really my encouragement is if you can land with an agent, not just somebody who will have you, but someone who will have your back.Katherine: Yeah, that Jenai: is pretty pivotal. And she was sensitive enough. She also, that was another thing, all my emails between me and my publisher go to my agent as well. My agent is a part of an agency who has a lawyer at the head. And so he kind of, he's not my agent, but he's connected. And so I, I feel very kept at that particular, like, and held.Katherine: Yeah at Jenai: that agency, but my agent was sensitive enough that she got the email and before I responded to the email Or before I even texted her she texted me I want to say five [00:43:00] minutes after the email hit my inbox and she said I want you to know This doesn't mean that they don't believe you. They're all everyone's just concerned about making sure The book is protected that you're protected.This doesn't mean that they don't believe you and I You I knew that it was just really nice to have someone else tell me that. And I know that depending on, I think self publishing is a totally valid journey especially after going through publishing. So not everyone has an agent, but even if you can get someone in your corner, who's a part of walking through the process with you, even if it's not an agent who can read this stuff with you and tell you the things that Even you yourself know, I know that this means that they don't believe me.Hearing it from another person really does help just take care of like your body, your nervous system. And so that, but it was a very hard thing to read. And then the comments from the lawyer herself were also really. really hard. I think [00:44:00] sometimes some people think it's the men and I'm like, no, not Katherine: really.No, no, no, no, no. It is not. It is not. And they, they, again, as you said, they want to win. And so they are thinking about this from a perspective of like, if we get into a lawsuit, how will we win? What are the things that we need in order to win? And so much of the civil lawsuit there are absolutely situations.I know someone who is suing someone for financial fraud right now and it is a genuine situation in which they should be suing that person, but this can also just be this very capitalistic way for power holders to just be bullies. There aren't a lot of like regulations about like, is this a legitimate reason to sue someone.And so. It's a game. A lot of it's a game. And the, the lawyers, a certain type of person ends up being a lawyer, and they are, they're, they're, they're about strategy and the game, and how do I win this game, and they are [00:45:00] not, thinking you are an abuse survivor who has been extremely traumatized and they're not thinking how is this going to land for you.They also tend to have very little other than just like very high level understanding of like rape is sexual abuse. They don't have a lot of understanding about the nuances of abuse and what exactly is abuse. And so. That when you've already gone through an experience of having to justify and defend yourself and, and convince yourself that this is real and this really happened and, and what you are experiencing and how you are navigating your trauma is real to then have this real life experience of people just like not believing you, even though that's not necessarily the case, but it feels like they don't believe you.It can be very re traumatizing, and so we're just, we're just sharing this to just like, just be aware. Make, make a wise choice of, of this with [00:46:00] awareness. And as Janai said, surround yourself with people, give yourself some good people who are going to be there to support you. Also, something to keep in mind, a civil suit is not a criminal suit.You are not a criminal. You do not commit a crime. It might feel like it, but you didn't do anything wrong. Again, people can sue for any reason whatsoever. They do not have to have any, any corroboration. All they have to do is be a bully and have a lot of money. Jenai: Yeah. I write in other actually, like if people, if people you are calling out someone for misuse of power, they will continue to misuse their power and abuse their power to silence you.And so they're going to be like, oops, my bad. They will keep doing it. They will keep coming after you. And I think really the only way to stop it from happening is you have to find your power back. And, and that can be through a number of things, [00:47:00] whether, like, people can corroborate your story, you've gathered evidence I will say for anyone gathering evidence or in the middle of that process, don't necessarily do everything under, like, if you get something to your work email and that work email is connected to the abusive situation, start forwarding everything to your personal email because they will close that email account eventually and you will lose evidence, that was in my case, I've also, there was a pastor in my story.It's not in the book at all, but who has been trying to meet with me or he has been meeting with me for coffee, trying to reconcile, and I feel safe enough to have these conversations with him and not feel talked down to, or not feel, you know, gaslit. I won't let that happen. But because he has extended an olive branch and has kind of admitted to some of the wrongdoing he's done in the corroboration process, I needed to corroborate that I was given, you know two severance options, and I didn't have that screenshot.It was in, [00:48:00] like, a slide. I have a Slack channel that I'm no longer a part of. It was in my old work email that I never forwarded to my personal email. And so I had to get corroboration for that. And I asked this pastor, I will say lawyer or the lawyer for the publisher, they said, if your husband can corroborate, he is allowed to corroborate for your story.Right. So that was super helpful. And I, but instead of in title, my husband did corroborate for some of the things, but for this severance option, I thought I'm going to ask the pastor, my friend to do this, my former friend to do this because he can use the one that gave me the severance options. And it was really like a, let me see the test of your character, whether you'll do this, and he didn't, he said, Katherine: oh, goodness, he Jenai: said, there's just so much more nuance.And I'm not saying whether or not there is nuance to the situation. And by the way, I reject his nuance. It was total crap. I was just saying, the [00:49:00] corroboration is. Did you or did you not give me two severance options? And he wanted to say, you know, he wanted to say, but this happened, like, and I was like, yeah.And I said, can you do this? Can you confirm this? And he said, no, I won't corroborate for you. And I was like, you dirty liar. I was like, fine. I, I, I wasn't upset. I was just like, okay. Katherine: You showed, you showed your colors. Jenai: Yeah, you are actually Like confirming that you are still in alignment with the character of the person that I knew before.And like my lack of trust with you is validated. Like I can no longer trust. I can't, like my, my gut is telling me the right things. I gave you an opportunity to mend some of that trust and you did not. So I still have it in the book that I was given two severance options because my husband was like, yes, you were given two severance options.And I remember that. And if it ever [00:50:00] goes to court and everyone gets deposed, that's what they're going to say, you know, like you, yeah, Katherine: you have to. Yeah. And exactly. I can cut this from the episode, but was one of the options, Like you have to sign an NDA and you get this? Jenai: No. Okay. There was no NDA.We can keep this in. I was given two severance options. Here's the thing, and this is how pivotal, I was the primary on the bank account. Like my, I could have done anything with the finding. I didn't. But that I, I had the passwords to everything. I was the primary check signer. I had a lot of things that I was responsible for.I had no power over because they, you know, kind of cuffed me in terms of like what did and didn't happen. And I was trying to follow the rules. But because I had the access and the responsibility to maintain everything, they couldn't just get rid of me super quick because they needed that access. And [00:51:00] so my severance options were two weeks notice and two months severance.Or I work for two months and I get another three months severance and I, this was 2020. This is when people are losing their jobs. And I thought I need, I actually asked, I said, can I have more severance? Like, this is, you are my brothers. Yes. You are, you are like, tying my hands behind my back.You have given me no voice and no choice, even though I have consistently told you that this man's harmful. Can I have more severance? They ignored that request. I actually met with somebody who, and I told him, I said, remember you were ignored this request. And he was like, did we? And I said, yes, I remember asking for six months of severance.Because they do whatever they can't have to in their mind to protect their male fragility that they've done something wrong my husband was there, but the severance thing was [00:52:00] really really hard The kicker is is they did eventually get rid of the senior pastor They gave him like nine ten months worth of severance His salary.I, his salary was six figures. My salary was in the fifties. Mm-Hmm. . And so I, I felt like I wasn't asking a lot. A lot. I wasn't asking for a lot. Katherine: Right, exactly. Jenai: They gave him my salary and then some through his severance, like later, and I thought. Man, like, I, whatever, this is obviously, like, here is another instance where you have made a value statement that one person was more valuable than another, and even in sending them away, you wanted to send him away with so much care, and you just freaking threw me off.Yeah. It threw me overboard. So, Katherine: yeah. Oh my gosh. I have heard so many stories [00:53:00] like that of just like, they'll be so stingy with the person who blew the whistle. And then when they, you know, get forced to like, get rid of the pastor because it's just, too much collateral to keep him on because so many people are leaving or for whatever reason and and then they just send him off with like a year of severance and like you know continue to pay his insurance and like all this kind of stuff and you're just like guys yeah it is not an equitable system in any way shape or form Jenai: i would say i probably if i had to venture a guess i will never find a civil suit filed against me because I in gathering evidence and in kind of trusting my gut.They didn't know that I was recording things after they let me go and terminated me. They began a quote unquote internal investigation. And if anyone knows, it's not really that much of an investigation where they investigate themselves, [00:54:00] you know, like, come on, man. But. In these internal investigation talks, I recorded everything, and I was kind of triangulating the information with some members.And I was asking them, what are they telling you? Because this is what I was told. And what are they telling you? And thankfully, some of those what they were telling the members, some of that's recorded in member meetings. And so I was like, okay. One way. I think we mentioned before pastors still feel like they are just leaders in general feel like they have power.That's why they keep coming after you. And then 1 way to prevent that is to get your own power back. Once I revealed to them that I had been recording things. and catching them in their lies. Katherine: Yes. Jenai: They realized, Oh, we can't just tell her one thing and tell the members another thing. Cause I remember, I remember them telling me, you know, pastors on [00:55:00] probation, pastors, this, I recorded that meeting without their, their knowledge, because it's one party consent.And then I heard from the member meeting that Pastor went on stage and he said, they've given me time off. Like he wasn't, he wasn't forthright with I'm on probation. They also gave him the power to tell the story himself. Katherine: Yeah. Jenai: Which I thought, don't you know? And they were like, we gave him like an opportunity to own.And I was like, no, you didn't. You gave him an opportunity to save face and Katherine: I Jenai: sent them an email. And I said, this is what you've done. This is what I was told. Here is the screen recording. I don't know if this is the case anymore, but there's an app called Loom, where I, I think they might have disabled this feature.This was early days, 2020, when people were figuring out screen recording and all that stuff. But Loom will record, did record my screen. And because I didn't do it through Zoom, it didn't let the person know that I was [00:56:00] recording the call. Katherine: And so, Jenai: I sent them that video that said, This is what you said. Here it is in the transcript.And they stopped. Like, they just, they realized, Oh my gosh, we have to be more careful with her. Katherine: Mm hmm. And then at Jenai: that point, they, I noticed significantly that they were mincing words with me. Because, Katherine: they knew. Jenai: Well, and because I got my power back, they just couldn't just tell me anything anymore.I was weighing and measuring it against everything else they were telling other people. Katherine: Yeah, yeah. And if you are still happen to be in your situation, your abusive situation, document, document, document, document, document. If you can't record it, you can, you can leave a meeting and you can write your own notes.You can save the emails, as you know, I was saying, save the screenshots. Have your have all of your things that feel so weird to do that. Like you're just like a double agent. But just think of it that [00:57:00] way. Like, like you are a double agent in a hostile regime, just like, like that person. And yeah. and protect yourself and give yourself what you need to survive that.Speaking of survival in the event that you do get sued it is a very traumatizing situation to, like, have to be interacting with this stuff again and to not have agency over when you interact with that stuff. And, and it can be very re traumatizing. Litigation abuse is a real thing, such as. A, you know, woman tries to leave her violently abusive husband, even has a restraining order out.And for that husband to just want, he just wants to keep controlling her and maintain contact with her. We'll just sue her for nothing just to, to maintain the contact. So litigation abuse is a real thing. And that might help to just kind of look at it. That way of like, I'm [00:58:00] being abused in real time and care for yourself.If that were true, surround yourself with people, take a lot of naps be in therapy, if you can and give yourself a lot of tenderness and care in that situation. And you don't have to be this strong, bad ass all the time. Like if it's hard for you and it is a struggle, that's okay. It's okay if that is a struggle for you and you and it impacts you.That's why they're doing it. Like they're trying to impact you and for it to actually impact you and actually be like real time abuse that you're experiencing and for that to have an effect on you, that's okay. And give yourself resources in that situation so that you are actually being supported.when that is happening. One final thought and then I'll let you share final thoughts [00:59:00] too. If you decide that you want to file a civil suit against against a perpetrator or an abuser and you got a lot of evidence and a lot of corroboration and you think you got a good case, there are lawyers that work on contingency who will look at your case and say, I'm going to defend this case for free and I get paid if you get paid.So that is an option to do your research and not legal advice, but I really hope more people will do that. Do that, do that thing and just let them know, Hey, you're going to sue us. We're going to sue you. Monique, any final thoughts or any other things that you want to add to something that we left out or holes to fill?Yeah, Jenai: yeah. I will say if you live in a two party state and you have to get consent before recording, that can still work in your favor too. So after my former leaders found out I was recording, they eventually asked me to partake in a reconciliatory meeting. And I, I know I was like, I [01:00:00] will, I will come to that.And I told them I will come to that on two conditions. I, I had already sat on one side of the table with all six of them before. And I said, I need advocates there for me. Beyond my husband, I, I, I want people there who are for there for us. And the second request was that I record the meeting.If you, I thought, well, it's going, they're going to be much more careful with their words when they record the meeting, but still in that meeting, there were still some tells. Katherine: Yeah. For Jenai: instance, one thing I wrote about in other, I think maybe it's chapter three about apologies. And how I'm sorry, you feel that way is different than I, I'm sorry, I did this to you.Katherine: Yeah. Jenai: And in this rec, like this meeting that they, that they, they said, yes, they let me record it. They still said, I'm sorry, you feel that way. I'm sorry. You feel like you, I would, I had dismissed you and I'm sorry. And like, they still [01:01:00] kind of tell on themselves. So if you live in a two party state and you feel like you can't do these clever one party things.You can still gather good information, even if you ask. And they will still, they show their colors, even if they don't think that they're showing their colors. Like, I really think sometimes, sometimes some people know what they're doing and I think sometimes the self deception is so deep, they just don't know how bonkers it is.Or they're Katherine: super arrogant and they, they really genuinely feel like they can do whatever they want. Jenai: Yeah, yeah. And so there are ways in which you can gather information, even if, like, you don't have a similar one party state situation, like I do. I will also say that when it comes time to providing corroboration, you know, Asking for corroboration, I mentioned, was really hard, but also going back through the evidence, some of my evidence was audio or video recording, and [01:02:00] I had to go back and listen to Jenai: Or watch the video and provide a timestamp.I had to send them the audio or video link and give them a timestamp, and I, that was very difficult. Very hard on me. I did it because I needed to, but if that sounds like something you don't want to do try to find you'll, you'll, if you want to write it the way that you have it and not say, I remember this, you want to actually use that.Just be gentle with yourself. That is a really hard thing. I think I needed to not look at the book for a while after providing evidence because that was listening to those voices and seeing those faces again. It was really hard. And so I just wanted, I didn't want to not say that because people think, Oh, I have all this evidence going back and looking at the evidence can be really, really hard on you.Yeah. Katherine: Yeah, absolutely. And it's so important to just have our, our agency and interact with the [01:03:00] material in our own way in our own time. And when you have something like a book deadline, You don't always have that that capacity to just, yeah. You know, do it on your own time and just when you, when you feel good enough for it.And and a and a civil suit similar is there's deadlines, there's timelines, and you can't just like, oh, I just wanna block out this day and then the next day I'm gonna go get a massage. Like, you don't always have that agency. And just that, just that lack of control within that. Contacts can also feel retraumatizing.And so since we probably discouraged everybody listening to from going public with their stories, what let's remind folks again, like why it's sometimes important to go public with our stories. Jenai: I think it was important to me personally to keep my integrity. I did everything I could do to stop someone else from getting hurt.I, I stood up, I did exactly what my [01:04:00] faith had encouraged me to do. I did exactly the thing I, I believe. And I write this in the book sharing your story and telling your story and owning your story is a way to be like what I think the prophets of the old Testament did. The prophets, they didn't tell fortunes.They were calling people in power to account. I now realize the weight of that, like, oh my gosh, like that is, I did exactly, I spoke up and I don't, I know that not everyone will speak up, not everyone, you know, I had power, I had gathered all this evidence, I had the power to speak up because I had kind of things that bolstered me, not everyone has that, and I, I don't want anyone to feel shame If they feel like they can't tell their story because they don't have that same kind of support or evidence but keep telling your story to yourself so that you're validating yourself.If, if no one else will affirm you, there is still so much power in [01:05:00] affirming your own truth, your own story. No one can take that away from you, but they will do their damnedest to take it away from you. I will also say that it is. mentally grueling. It is I just want people to take care of themselves.Above all, just, just to, if you do and do this work and you know you're going to tell your story give yourself a lot of space and say no to other things that Yeah. Other expectations, other, you know, there are other friends who I'm promoting this book and it's a very vulnerable book. There are other friends who are also writers who also want me to write endorsements or who also in this particular time want me to do something for them and support them.And as much as I love them, I have had to say no to a lot of them as I promote this book or do this work because I'm trying to do it well and with capacity. And because the story is so vulnerable, it takes a lot out of me. So say like, just be [01:06:00] understanding that you have to say no to a lot of people that you love and like, that's okay.Yeah, the people who love you who hear no from you will still like acknowledge that this is okay. Katherine: Absolutely. Jenai: If they take offense to that, then maybe they aren't as big a support as you thought they were and just redraw the boundaries of that relationship, but make a lot of space for you and doing this work.Katherine: Absolutely. And the reality that it's really important to tell our story, to tell our version of the story, to reclaim our narrative, to reclaim our power post an abusive situation, but there are many ways to do that. And telling a story publicly does not have to be the only or only way. Or even an option like we it's important to tell those stories 100 percent highly encouraged finding safe places where you can tell your story.You don't have to go public with it. [01:07:00] Absolutely. And, and. There are things you can do if you decide that that's important to you to make sure that you are taking care of yourself and protecting yourself. Listen to this episode for that. As we wrap up, how can people find you, find your book, interact with you, and yeah, what are the easiest places for people to get in touch with you?Jenai: I am everywhere on the internet at Janiyah Amin. And I'm usually hanging out on Instagram, not really on Twitter or X or whatever it is anymore. It's getting more vitriolic over there. I also, what prompted this conversation was not only that I'm promoting a book, but I also wrote about this experience on Substack.And if you want, Catherine, I can send you the link and you can include that in any show notes on the website, but also what I've considered doing and wha

It is wonder, curiosity and imagination wrapped up in one. It is both a suspension from reality and way of navigating the world, a problem solver, a flow of creativity, a creative outlet, a language and a state of mind. It is: play!And true to its nature, we cannot possibly box play into one definition. Lily Higgins, Pauline McNaulty and Jules Gilleland join me in my digital playground this week to unpeel the many layers of play: purposeful play, play without agenda, play as the essence of human connection, and play as a curious and unexpected vehicle for conflict resolution.Gather around for our special fireside conversation!Find out about:Lily, Pauline and Jules' multifaceted definitions of play, and why it is simultaneously a mindset, tactic, strategy, and metaphorThe complexities and contexts of play as a facilitation toolHow play can be used to navigate conflict, creating a safe space that diffuses riskHow play can help us challenge our stories, and encourage us to see new perspectives The difference between purposeful play, play as the experience itself, and play without agendaDon't miss the next episode: subscribe to the show with your favourite podcast player.And download the free 1-page summary, so you can always have the key points of this episode to hand.Links:Watch the video recording of this episode on YouTube.Connect to guests:Lily Higgins LinkedInPauline McNaulty LinkedInJules Gilleland LinkedInSupport the show:Make a one-off donation and contribute to the ongoing costs of running the podcast.Support the showCheck out the podcast map to see the overview of all podcast episodes: https://workshops.work/podcast-map

Chris Do is a major name in the industry with a massive following across social media and YouTube.And while we have very different philosophies about scale and how we work with clients, there actually is a lot of overlap between Chris's methodology and the No BS way. So we had plenty to talk about during this conversation that I'm so excited to share with you today.Chris Do is an Emmy award-winning designer, director, CEO and Chief Strategist of Blind and the founder of The Futur—an online education platform with the mission of teaching 1 billion people how to make a living doing what they love.Tune into this episode to hear:The difference between being a soloist and a conductor in your businessChris' recommended hiring approach as your first hireHow to go from being an order-taker to developing strategy Why designers need to become aware of their cognitive biasesHow to overcome clients seeing hiring you as a riskHow to build real clout Learn more about Chris Do:The FuturTikTok: @thechrisdoYouTube: @thefuturInstagram: @thechrisdoResources:The Win Without Pitching Manifesto, Blair EnnsNo BS Agencies MasteryThe Price to Freedom Calculator™No BS LaunchpadNo BS Agency Owners Free Facebook GroupStart reading the first chapter of my bookPiasilva.com

The insurance industry has data everywhere but making it useful is a challenge. Garret Gray, President of Insurance Solutions at Core Logic has some ideas for what insurance professional need to consider when gathering data and using it. In this episode:Understanding the diverse data sources that provide insurance insightsImportance of good data and how it will create value with AIHow insurance companies look at tech in relation to existing business operationsWhy the industry is not taking a long term view of pricing riskHow bias creep can influence decisions even with dataPodcast PhilosophyGarret has an amazing history as an entrepreneur and he shares his personal experiences with the incredible resources of Core Logic to help provide context to the ongoing insurance data revolution.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode Highlights With Katrina FoeThe root drivers of cancer and what we all need to know to avoid itLess than 10% of cancers are genetically inheritedThe root cause drivers of cancer and the tests that relate to themWhat the metabolic drivers of cancer arePreventative tests that can indicate early cancer riskHow hormones relate to cancerMicrobiome connections to cancer and what to know to improve itWhat angiogenesis is and why it mattersHow environmental toxins can relate to cancerThe emotional component to any diagnosis Why she got kicked out of the cancer treatment clinic and why she is so grateful for itHer take on coffee enemas Why too much protein isn't ideal with her cancer protocolThe therapeutic ranges for ketosisResources We MentionCancer FreedomInstagram - KatrinaNutritional Pilates: Relieve Joint Pain, Lose Unwanted Weight, and Prevent Chronic Disease to Become Your Most Vibrant Self by Katrina FoeTripping over the Truth: How the Metabolic Theory of Cancer Is Overturning One of Medicine's Most Entrenched Paradigms by Travis ChristoffersonThe Roadmap to Prevent Cancer Recurrence - Free ebook watercheck.comLevels Glucose MonitorKeto monitor

It's winter right now, and if you're in construction, this may be a slower time of year for you. It's a great time to create a strategic plan for your company for the coming year. How do you do it? We'll walk you through it.Topics we cover in this episode include:Why now is a good time to think about your strategic planGround rules for your strategic planWhat should be included in your strategic plan?The importance of a good budgetAnalyze your riskHow to use KPIs for strategic planningNote the trends in your market Get input from your key business advisorsLINKSVisit the episode page at https://carpentercpas.com/strategicplan for more details and a transcript of the show.Find all episodes and related links at ContractorSuccessForum.com.Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs FIND US ONLINEWade Carpenter, CPA, CGMA | CarpenterCPAs.comStephen Brown, Bonding Expert | SuretyAnswers.com

It's winter right now, and if you're in construction, this may be a slower time of year for you. It's a great time to create a strategic plan for your company for the coming year. How do you do it? We'll walk you through it.Topics we cover in this episode include:Why now is a good time to think about your strategic planGround rules for your strategic planWhat should be included in your strategic plan?The importance of a good budgetAnalyze your riskHow to use KPIs for strategic planningNote the trends in your market Get input from your key business advisorsLINKSVisit the episode page at https://carpentercpas.com/strategicplan for more details and a transcript of the show.Find all episodes and related links at ContractorSuccessForum.com.Join the conversation on our LinkedIn page: https://www.linkedin.com/company/CarpenterCPAs FIND US ONLINEWade Carpenter, CPA, CGMA | CarpenterCPAs.comStephen Brown, Bonding Expert | SuretyAnswers.com

Niti Jamdar is a founder and owner of Open Spaces Capital and Open Spaces Women. After working for 20 years as an Executive in Product Strategy and Finance for a Fortune 100 company, Niti made the shift to investing and entrepreneurship in 2020. Niti invests in real estate across the USA.  He is passionate about helping corporate professionals break the golden handcuffs through the power of real estate investing.Main point:Topics Palak and Niti are prepared to speak on:High earners paradox - why an above average salary keeps folks from building wealth and how to get out of itHow to get started investing part time, to position yourself out of working full timeHow to invest in in real estate in 2023Balancing social impact and profitability Secrets of Supercharging the BRRRR StrategyDefining a real estate investing strategy Biggest Mistakes You Must Avoid In Your Next BRRRRHow to get into bigger and better deals by pivoting strategicallyRepositioning Equity by understanding the return on equity How to build appetite for taking calculated riskHow to overcome fear of investingConnect with Niti Jamdar:Purchase the book - https://www.amazon.com/Accelerate-Your-Real-Estate-Hands-Off-ebook/dp/B0C9KLRZF3/ref=sr_1_1?crid=P1U9C6G57TKC&keywords=accelerate+your+real+estate&qid=1689278072&sprefix=accelerate+your%2Caps%2C175&sr=8-1niti@openspacescapital.comhttps://www.facebook.com/openspaceswomenhttps://www.instagram.com/openspaceswomen/https://www.linkedin.com/in/niti-jamdar-a720585/https://www.youtube.com/@openspaces1251http://Open Spaces CapitalPodcast- The Wealth Blueprint

What's your relationship like with money and finances? What does financial independence mean for you and why are so many women struggling to achieve it?In this episode, I have a real and raw convo with Janine Rogan, Founder and CEO of The Wealth Building Academy, TedX Speaker and author of The Pink Tax: Dismantling a Financial System Designed to Keep Women Broke.  Here's a glimpse into what we covered:The fears women have around building a side hustle for extra moneyJanine's four foundations of financial feminism (and what that actually means)Why becoming a mother is a huge financial riskHow beauty products can prevent you from becoming a millionaire (we did the math)How ageism is incredibly prevalent in our world and how I was basically told my “days were numbered” by a male business coach.  He was referring to my physical appearance and I still cringe when I think about it.My recent experience trying to get support for perimenopause symptoms and the realization that aging as a woman is becoming a pay-to-play privilege.Janine's mission is to educate and empower women to confidently and profitably grow their wealth so that we don't have to stay stuck living a life that disempowers usIf you're already passionate about building wealth, you might gain a new perspective and if the thought of wealth building intimidates you, Janine shares the one thing you can do right now.Connect with Janine on InstagramVisit Janine's websiteVisit the podcast page here: https://jackiedumaine.com

Twins occur in 1 out of 35 pregnancies! If you are expecting twins, you'll likely automatically be labeled high risk. But Dr. Stuart Fischbein has training & experience that says otherwise. Dr. Stu from Birthing Instincts explains much of this to us in this episode! He covers:Different types of twinsPotential risksWhy most providers treat twins as high riskHow to find a good providerAnd more!Resources Mentioned:Birthing Instincts WebsiteFearless Pregnancy bookBirthing Instincts podcastNOW IT'S YOUR TURN! Support the show! The NaturalBirth Site SIGN UP for the NaturalBirth Education course to best prepare your body & mind for natural birth Read natural birth stories- and submit your own Share with anyone interested in natural birth Share our podcast with anyone you know who is interested in natural birth! "Like" our Facebook and Instagram pages Subscribe to our YouTube Channel Check out our HELPFUL PRODUCTS GUIDE

In this week's episode of the SIMPLE brand podcast, I talk with Leslie O'Flahavan.Leslie's the owner and founder of E-WRITE where she helps Fortune 500 companies, government agencies, and non-profit organizations learn how to write better for both their customers and their internal audiences.Leslie and I discuss how you can use plain language to simplify your customer experience while setting up your frontline employees for success.Here's what we discuss:How writing in business has changed (not devolved!) over the decadesHow customer experience is like a romantic relationshipHow brands can build up affinity with customers through plain languageThe biggest drivers of complex and boring language form brandsHow to build empathy with customers without increasing legal riskHow to empower frontline employees to incorporate plain language and brand voiceThe need for consistent language and brand voice pre and post-purchaseCan and should empathy be scripted?RESOURCES FROM THIS EPISODE:Leslie's siteLeslie on LinkedInLeslie on Threads

James Mee, co-head of multi-asset strategies and manager of the Waverton Multi-Asset Income fund, provides a comprehensive overview of the wide range of opportunities available to multi-asset investors. James delves into Waverton's unique approach to risk management, emphasising that it goes beyond just volatility and encompasses factors like inflation and potential permanent capital loss. He explores the effective strategies employed during uncertain periods, including the use of hedging within the fund to mitigate these risks.The latter part of the episode focuses on the critical topic of inflation and its long-term implications. James analyses various factors such as China's working population, the influence of digitalisation, and the impact of artificial intelligence. To illustrate these concepts, James finishes by sharing two examples from the fund's portfolio: the Chicago Mercantile Exchange and PRS REIT.What's covered in this episode: How the Waverton Multi-Asset team defines riskHow the manager manages risk in the fundWhy investing directly in equities and not funds gives more control over riskHow the manager protects capital during periods of market volatilityThe use of hedging in the fundThe manger's view on inflation in the UKThe inflationary impact of de-globalisation How the decreasing working population influences inflationThe disinflationary force of digitalisationWill artificial intelligence cause a disinflationary impact in years to come?Chicago Mercantile Exchange: what it is and why it looks attractive todayWhy the fund is adding to propertyThe fund's increased exposure to investment grade fixed incomeHow to invest for the long-term during market uncertaintyMore about the fund: The Waverton Multi-Asset Income fund leverages the broader capabilities of Waverton Investment Management to construct a diversified portfolio encompassing direct equities, fixed income, and alternative strategies. The team prioritises risk management as the core of its investment approach, with a focus on safeguarding capital during periods of market weakness.Learn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.

Grain and Livestock Marketing ShowNick Tsiolis  last name pronounced "Cho-liss" Who/ What is Farmer's Keeper – A service that gives Farmers grain Pricing Tools like HTAs, Min/Max, Accumulators, Managed Pricing Programs, with no margin calls (because we use the same clearing firms the elevators do to hold margin) that can be flexed to deliver to any elevator. Our Customer Base - over 1,000 Corn, Soybean, and Wheat Farmers from 25 states, ranging in size from 150 acres to 90k+ acres. All levels of operation sophistication.Why is this episode important for Farmers? Hedge future price risk on physical grain without margin requirements and then be able to flex delivery of those bushels to the best basis bid in their area when ready to search basis. Can you give an example of how you work with your Customers? Advising Farmers how and when to execute different Pricing Tools. Then seeing through transactions from setting a futures price, to searching basis bids, all the way to delivery and settlement. What are some pieces of advice for marketing during Bearish Grain Markets? Since prices have fallen dramatically in the last 4-6 months, we're growing our customer base Can you help our listeners understand Market Fundamentals?Discuss the basics of grain and commodity marketsExplain the factors that influence market pricesProvide insights into supply and demand dynamicsIs there a difference between Crop and Livestock Pricing?Explore different pricing strategies for crops and livestockDiscuss the pros and cons of forward contracts, futures markets, and options Why is it important to develop a Marketing PlanDiscuss the importance of having a comprehensive marketing planExplain the key components of a marketing planProvide guidance on setting marketing goals and objectivesWhen working with your clients, how much does utilizing Crop Insurance come into play for their plan?Discuss the role of crop insurance in managing riskHow can we be leveraging Technology in Marketing?Discuss the advancements in technology for grain and commodity marketing(GFY) Explore digital platforms and tools that can aid in marketing decisions Is there such thing as diversification in Marketing? Explore the benefits of diversifying marketing strategies What do you do for Tracking and Evaluating Marketing Performance of your plans with your clients?Explain the importance of tracking and evaluating marketing performanceDiscuss key metrics and indicators for assessing marketing successProvide insights on adjusting based on performance evaluationOn the podcast we like to learn from others Successes and Failures Discuss the value of learning from both successful and unsuccessful marketing experiencesShare stories of farmers who have learned from their marketing endeavors Overcoming Psychological BarriersHow do we take the emotion out of marketing decisions?Address the psychological challenges farmers face in marketing their crops and livestockDiscuss common fears and anxieties related to marketing decisions Lastly, the podcast will air one week later, what are some short-term pieces of advice in the markets we are facing now?SummaryChallengeWhat would you go back and tell yourself at 18 or tell someone now who is young and listening?

In this episode I discuss the nitty gritty details about those awful (but mostly noncancerous) tumors of the uterus.We will cover:  What they areSymptomsCausesRisk factorsHow to decrease riskHow fibroids might present on a DUTCH testHow to get at the root of this conditionMusic from #Uppbeat (free for Creators!):https://uppbeat.io/t/brock-hewitt-stories-in-sound/rosesLicense code: X5HSIZUDYZX97NTQ Music from #Uppbeat (free for Creators!):https://uppbeat.io/t/brock-hewitt-stories-in-sound/rosesLicense code: X5HSIZUDYZX97NTQHere's the Fullscipt Protocol for supplements that help some women support hormone balance. Here's the link to Ona's Natural where you can purchase your bioidentical progesterone at a discount. Use coupon code DrRose10 at checkout.Be sure to visit me at my website, or on Instagram or Facebook. Book a FREE 20 minute Discovery Call with me, Dr. Rose, to see if working together would be a great fit! Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/brock-hewitt-stories-in-sound/roses License code: X5HSIZUDYZX97NTQ

How do you know how much of your investments should be in stocks and real estate vs. bonds? What's the right mix for you, and when should it change?This episode provides an optometrist's guide to selecting the right mix for your investments.Evon dives into:Different types of financial risks to plan against.Your ability or capacity to handle investment riskYour willingness or tolerance to take investment riskHow much risk you need to take to meet your investment goalsWhen should you change your investment mix?Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:The Optometry Money Podcast Ep 58: Investing Fundamentals – Understanding Stocks, Bonds, Mutual Funds, and ETFsThe Optometry Money Podcast Ep 15. Actions to Take During a Declining Stock MarketGet your FREE Financial Assessment!A Wealth of Common Sense Blog: How Long Does it Take For Stocks to Bottom in a Bear Market?Dimensional Fund Advisors: History Shows That Stock Gains Can Add Up Big after Big DeclinesThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

With the advent of new Artificial Intelligence (AI) tools, where is risk management headed? How are they affected by the changes? Risk management is essential and becoming more so due to increased risk measures, and it's important to understand what's happening in the industry. To that end, today's guest, Tyler Foxworthy, will share his expertise on the subject. Tyler Foxworthy was the Chief Data Scientist at Resultant, then the Chief Scientist at Demand Jump. Before founding his own company, he applied statistics and machine learning to help the medical device industry make informed decisions about changes to their devices. The company that he founded, Vertex was acquired by Greenlight Guru, where Tyler is now the Chief Scientist.Listen to the episode to hear Tyler explain more about data quality, the future of risk assessment, and how Bayesian statistics and analysis come into play.Some of the highlights of this episode include:When can we reach a point where we know the data is accurateThe future of risk assessment for MedTechWhy use a model for predicting riskHow this model impacts a companyThe change in trajectory for the medical device industryMemorable quotes from Tyler Foxworthy:“There is no such thing as absolutely perfect data, there's only degrees of quality.”“I would like to see it as more rigor, in general, brought to the industry.”“This whole field of probabilistic risk assessment is firmly rooted in Bayesian analysis.”“This idea of using, bringing out tools and techniques and knowledge from other domains and fork lifting it into our industry, and making it valuable, to me there's just something really intellectually appealing about that.”Links:Tyler Foxworthy LinkedInEtienne Nichols LinkedInGreenlight Guru AcademyGreenlight Guru

Emotions are messy — they're big, powerful, and changeable. Facts and data are much more palatable — they're truths and we can discuss our use of them.But if an organisation is so focused on cognitive culture, they end up neglecting emotional culture. And that's a sure path towards burnout, resentment, and employee turnover.Cognitive culture is easy to default to, so how can organisations get comfortable with the discomfort of building a more emotional culture? Jeremy Dean has plenty of ideas — and a deck of cards to help any group navigate the process.Find out about:Why we need to be brave to share our emotions at work — and why it's worth the riskHow prioritising simplicity helps people get in touch with their emotions in unfamiliar spacesWhat happens when we label our emotions with positive and negative language How to facilitate daring conversations at workWhy we should celebrate the person who makes the first moveWhat to do when you're facilitating a game as a beginnerWhy it's harmful that corporate culture prioritises cognitive culture over emotionalDon't miss the next episode: subscribe to the show with your favourite podcast player.And download the free 1-page summary, so you can always have the key points of this episode to hand.LinksWatch the video recording of this episode on YouTube.The Emotional Culture Deck.Riders & Elephants, Jeremy's business.Connect to Jeremy:On LinkedInOn TwitterSupport the showCheck out the podcast map to see the overview of all podcast episodes: https://workshops.work/podcast-map

In today's episode we explore  how do you find a relationship to risk that feels supportive and how do you know when you are operating from a place of fear versus a place of healthy curiosity.   Daily practices to help discover your own relationship to riskHow to identify when you are holding yourself back out of fear or uncomfortability?The power in small risksObserving yourself through stillness and reflectionKey questions to ask yourselfExamples to help identify your own individual risksI look forward to hearing how you lean into this daily practice for yourself and if you are able to create a healthy curious relationship to risk. Let's connect for a free 30 minute call today! Join our free community today!Leave a review and let us know your thoughts on this episode or follow along on Instagram.

In this podcast episode, Alexis Kingsbury, an experienced management consultant, shares his passionate journey to empower business owners with his unique process to help them break free from an overwhelming workload, reclaim their time, and achieve success without sacrificing their work-life balance. You will learn the essential steps to quickly document business processes for maximum growth and scale. "Scaling beyond those 42 hours becomes nearly impossible because you're already at full capacity. I imagine that there was a point at which he was working five days a week and as he added more team members, he gets to the point where he's working 60 hours. There is no more juice to squeeze out of him. He's already giving his all and the risk... and I know this from other business owners. Where they went down that route and didn't solve it and as a result, closed the business or significantly cut it back. Not because it's the right thing for the business, not because they need to cut their costs or anything like that, but because it's stressing them out, so they'd rather it be dead than killing them.." Alexis Kingsbury is an award-winning entrepreneur who runs two software businesses with remote global teams, serving over 500 organizations around the world. He has helped business leaders save thousands of hours of their time each year, enabling them to focus on business growth. Alexis Kingsbury was frustrated by his inability to scale his business and let go of certain tasks. He decided to create a software business, Airmanual, to document business processes so that he and other business owners could quickly drive growth and scale. Through his experience, he learned that investing 3 hours into documenting processes could save around 15 hours per week of a business owner's time. He is passionate about helping other business owners to understand this cycle and free up their time to create a greater impact. By documenting processes, he was able to increase the value of his own business and reduce the risk of it failing due to a lack of knowledge and certainty. In this episode, you will learn the following: Why process documentation is critical to scalingHow to increase the value of a business when selling or buying it.How to achieve work-life balance while running a successful business.How to create space in one's calendar and mental space to achieve greater impact.How documenting business processes reduces organizational process uncertainty and mitigates riskHow to effectively and simply document business processesGood practices for creating process documentationHow to create a culture around documenting business processes to scale predictablyand much much more ...

On episode 65 I talk with Archie Ravishankar, Founder, and CEO of Cogni. Cogni is a next-gen platform that combines banking, commerce, and lifestyle.Cogni's mission is to offer personalized banking products suited to the lifestyles of those 18-to-35. Too many banking products talk with a single voice for all customers; Cogni is aiming to change that dynamic.Archie and I discuss how he's building a financial platform that is suited for people's lifestyles, why he thinks it's now more attractive to build on web3 than web2, and his vision for the company and advice to young entrepreneurs just getting started.We also touch on bank partnerships, reducing carbon footprints, FDIC insurance, raising capital, and much more. Without further ado, I present Archie Ravishankar, Founder, and CEO of Cogni. I hope you enjoy the episode.Episode discussion points include:Archie's journey to CogniWhy building for people's lifestyles is so importantWhether or not focusing on 18 - 35-year-olds is a riskHow they came to launch the digital gift card productHow Cogni navigated the pandemic to surviveWhy Web3 is so attractiveThe importance of reducing carbon footprintsWhether or not FDIC insurance is a must-haveLessons for fellow foundersRaising capitalAnd much more…

In this episode, we find out what it takes to make a great learner with the help of the very well known education expert and researcher, John Hattie. 

Since the 2008 financial crisis, it's become more and more difficult for Americans to chart a path toward financial security. Things like buying a house and paying off student loans have become more challenging for young people to do. And that's given rise to a new generation of investors the FT's Madison Darbyshire calls “generation moonshot.” Clips courtesy of NBC News, CNBC, ABC News, CBS - - - - - - - - - - - - - - - - - - - - - - - - - - For further reading:Generation moonshot: why young investors are not ready to give up on riskHow retail investors can navigate the rough terrain of US equitiesA year on, we haven't absorbed the lessons of the GameStop saga - - - - - - - - - - - - - - - - - - - - - - - - - - On Twitter, follow Madison Darbyshire (@MADarbyshire) and Michela Tindera (@mtindera07) Read a transcript of this episode on FT.com See acast.com/privacy for privacy and opt-out information.

Garrett Griffin from Legacy Tax Strategies, LLC shares some aspects of real estate planning. Garrett specializes in helping clients defer capital gains taxes on the sale of assets, which can help increase wealth over time. He also discusses deferred sales trusts, an estate planning strategy often used by the wealthy. He breaks down the benefits of using a DST, including deferring taxes, protecting the asset, and maintaining liquidity. Garrett shares his experience in helping people structure DSTs to maximize tax efficiency. He outlines some common pitfalls to avoid, such as overpaying for the trust and having enough assets to cover the cost of the trust. Finally, Garrett discusses how to use DSTs and other wealth strategies to help clients build long-term wealth. [00:01 - 15:36] Opening SegmentIntroducing Garrett to the showEstate planning, asset protection planning, business planning, and tax planning[15:37 - 26:24] The Tax Engineering Component and Typical Client BaseHow to reduce taxes through tax engineeringGarret shares his typical client range[26:25 - 42:26] Deferred Sales TrustSaving on taxes by using a deferred sales trustThe trust is a completely standalone vehicle that is created by the trusteeThe trust is going to purchase the asset from the seller The note holder does not have to pay the tax until the note matures[42:27 - 51:35] How to Leverage Seller Finance Deals with a TrustThere is no prepayment penalty in private seller finance deals, which can make it easier for the seller to take on the riskHow the deferred sales trust can be used as an alternative to a 1031 exchange[51:36 - 58:34] Closing SegmentEvery transaction is structured differentlySee the links below to connect with GarrettQuote/s:"What differentiates revenue? I would say from a particular strategy, they use life insurance very well. And it's a layering of strategies. It's not one silver magic bullet that's doing it all."I Help People Build Wealth And 10X THEIR MONEY By Establishing Multiple Income Streams Through Multi-Family Real Estate Investments.Our blueprint to financial freedom is streamlined so you can get going in multifamily commercial real estate investments fast. Here's how:STEP 1JoinStart by joining the 5 Talents Investor Club. A community of people just like you who are looking to grow their wealth and achieve their financial freedom.STEP 2LearnOnce you join, we'll take some time to learn about you and our goals and share resources that will help you in your investment journey.STEP 3InvestWe'll help you invest passively in multifamily real estate together in a group so you can create passive income and grow your wealth.STEP 4RelaxEvery investment builds additional streams of passive income, getting you one step closer to financial freedom.Connect with Garrett through LinkedIn, or visit www.legacytaxstrategies.com. Email him at garrett@legacytaxstrategies.com.Connect with me:www.5talents.capitalLinkedInInstagramWatch 5T CRE on YouTubeLeave us a review and receive your free ebookEmail us --> abel@5tcre.comSupport the show

Are you thinking of reinventing your career?  My guest today entirely changed her career course from a lucrative career in politics to becoming the CEO of Stuckey's Corporation–and did it at the age of 53!In this episode, I talk to Stephanie Stuckey, the CEO of Stuckey's Corporation.  Stephanie's powerhouse energy will inspire you to push aside your self-doubt and self-limiting beliefs and make the changes you may be thinking about. You'll hear this “accidental CEO” as she calls herself share her unique leadership journey and wise career reinvention advice. She is out to reinvent the Stuckey's vintage brand and has reinvented herself in the process.  We all can learn a lot from her journey.In this episode:How your past experiences all shape you as a leaderWhy reinvention is a constant process, and the importance of continuous riskHow to beat the comparison game by focusing on the customer rather than the competitionBuilding a team and the most important factor to considerAnd more!Power Presence Academy: Practical Wisdom for Leaders is the go-to podcast for anyone who leads. Your host is Janet Ioli, a leadership and human development expert, sought-after coach and advisor to global executives, and former executive with experience in four Fortune 100 companies.Noteworthy Quotes from this episode“You don't necessarily check your previous experiences at the door.”“Lead with less ego and more soul.”“Do what you love because even if you totally love it, there are days when you are going to ask yourself, why am I doing it?”“I'm not out to beat the competition, I'm out to win the customer.”“Take care of yourself, not just your business. If you aren't replenishing your own energy level, then at some point it is going to catch up to you.”Free gift offer: If you enjoyed this episode, please leave a review on Apple Podcasts.  Select “Listen in Apple Podcasts,” then choose the “Ratings & Reviews” tab to share what you think.  I'll send you a free gift to help you create your most powerful leadership presence if you submit the review and send me an email!Connect with Janet Ioli:Website: janetioli.comLinkedin: Janet IoliInstagram: @janetioliConnect with today's guest on LinkedIn:Stephanie Stuckey

Title: Coach Chris Holtmann: Choose to Challenge YourselfArtist: Michael Redd Chris Holtmann, Head men's Basketball coach at The Ohio State University and former All-American basketball player at Taylor University, joins Michael on the podcast today.“I have not been afraid to take risks.” - Coach Chris HoltmannThey discussed Coach Holtmann's lifetime decision to always challenge himself and avoid comfort, the importance of great mentors, the unbelievable faith and grit of his wife, and his unorthodox path to becoming a world-class basketball coach.Chris is a humble, intelligent, and extremely accomplished man who has taken interesting and unconventional risks his entire life. His story can help us all to remember that our futures are in God's hands, we only need to do our very best every day, then leave the rest to Him.In this episode Michael and Coach Holtmann talked about:What betting on yourself means to himWhy he's never been afraid of riskHow his family has impacted his life choicesHis greatest professional influencesThe importance of service and humilityWhy no task is beneath the truly greatWhy he took a “step back” in order to go forwardYour responsibility is consistent and daily workThe reality of seeking out a major coaching jobThe days of “transactional coaching” are overThe advice he'd give his sixteen-year-old selfIf you're a fan of the show don't forget to follow to hear new episodes and Rate or Review us wherever you tune in!To ask a question, read the transcript, or learn more, visit MichaelRedd.com.Resources:Coach Holtmann on TwitterMichael Redd on Instagram

"The future is already here--it's just not very evenly distributed."- William Gibson In this episode we delve into why unremarkable retailers often struggle to make the changes they must until essentially being forced to, as well as what it takes to embrace a true culture of experimentation.Among the areas we explore areWhether a retailer's culture is wired to say no or wired to say yesWhy many organizations fundamentally misunderstand riskHow establishing the innovation habit and an R&D budget can accelerate needed changeWhich organizations are worth modeling. But first we open up with retail stories that caught our attention, including a big week in earnings reports from Macy's (not as good as many thought), Wayfair (a big whiff) and Allbirds (not so high flying anymore).We also announce plans for a future episode where we answer your questions. Please record your questions at Speakpipe.com/remarkableretail.Dan Pink's New Book The Power of RegretMichael's interview with Dan on The Voice of Retail #podcastSteven Pressfield's The War of ArtCentral Market rolls out curbside pick-up (2018) About UsSteve Dennis is an advisor, keynote speaker and author on strategic growth and business innovation. You can learn more about Steve on his       website.    The expanded and revised edition of his bestselling book  Remarkable Retail: How To Win & Keep Customers in the Age of Disruption is now available at  Amazon or just about anywhere else books are sold. Steve regularly shares his insights in his role as a      Forbes senior contributor and on       Twitter and       LinkedIn. You can also check out his speaker "sizzle" reel      here.Michael LeBlanc  is the Founder & President of M.E. LeBlanc & Company Inc and a Senior Advisor to Retail Council of Canada as part of his advisory and consulting practice.   He brings 25+ years of brand/retail/marketing & eCommerce leadership experience, and has been on the front lines of retail industry change for his entire career.  Michael is the producer and host of a network of leading podcasts including Canada's top retail industry podcast,       The Voice of Retail, plus  Global E-Commerce Tech Talks  ,      The Food Professor  with Dr. Sylvain Charlebois and now in its second season, Conversations with CommerceNext!  You can learn more about Michael   here  or on     LinkedIn. Be sure and check out Michael's latest venture for fun and influencer riches - Last Request Barbecue,  his YouTube BBQ cooking channel!

This 12 part series is originally found within Get Started Investing Podcast, which helps beginner investors break down barriers. We cover all the basics you need to start your investing journey. If you like more of this content, listen to Get Started Investing in your preferred podcast app. *****What does it take to build a great portfolio?This episode we debunk the myth that you need to be an expert to build a great portfolio. The truth is, it's simple, as long as you're dedicated, do your own research and are prepared to have some fun. We discuss the simple building blocks that we think are fundamental to building a portfolio and that are achievable for the beginner.In this episode you will learn: What is an investing portfolioThe 4 pillars for building a portfolio - goals, risk, diversify and allocateImportance of having a strategy or at least end goalHow to set personal investing goalsThinking about riskHow to identify your risk profileDiversifying assets: 5% rule & Perfect portfolioImportance of asset allocation:Do you keep some cash available to put into the market when it drops?How much of your portfolio should be made up of individual stocks vs. ETFs or LICs.For a beginner would a heavier focus on the latter be appropriate?Diversification and rebalancing your portfolio Want more?*****Want more Equity Mates? Come to our website and explore! You'll find information on our full network of shows, including our Equity Mates Investing Podcast, book recommendations, blogs, news, and more. *****In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. *****Get Started Investing is a product of Equity Mates Media. All information in this podcast is for education and entertainment purposes only. Equity Mates gives listeners access to information and educational content provided by a range of financial services professionals. It is not intended as a substitute for professional finance, legal or tax advice. The hosts of Get Started Investing are not financial professionals and are not aware of your personal financial circumstances. Equity Mates Media does not operate under an Australian financial services licence and relies on the exemption available under the Corporations Act 2001 (Cth) in respect of any information or advice given.Before making any financial decisions you should read the Product Disclosure Statement and, if necessary, consult a licensed financial professional. Do not take financial advice from a podcast. For more information head to the disclaimer page on the Equity Mates website where you can find ASIC resources and find a registered financial professional near you. Get Started Investing is part of the Acast Creator Network. Hosted on Acast. See acast.com/privacy for more information.

Social subtype Enneagram 2s like Kristen Crowley are often mistyped as 3s.Yes, she is ambitious and influential. But Kristen's worth is not at all tied to what she does. Her heart and motive is all about people.So, what does it look like when a social 2 makes big moves in the world? How does their deep care for others show up as they take on leadership roles?Kristen is the Cofounder of reFRAME Your Biz, a platform designed to help fitness pros and other solopreneurs build a brand image that stands out.On this episode of The Leadership Formula, Kristen shares her gift for reading people's energy and commitment to being there for others—no matter the circumstances.I describe Kristen's need to connect with people and make the world a more loving place, explaining why she shows up as a Protective Challenger under stress and how she leverages her wings to achieve big goals.Listen in to understand how stretching into her growth number 4 is helping Kristen set healthy boundaries and find out how being a Considerate Helper is a great fit for her brand image business. What You Will Learn How Kristen's wide range of experiences led to a business in brand imaging, media and PRKristen's childhood growing up with a strong mom and supportive dadThe benefit of Kristen's gift for reading people's energyWhy lying and disrespect are deal breakers for Kristen in a relationshipHow Kristen makes the conscious decision to unleash her anger when someone else is at riskHow social subtypes like Kristen look different from typical 2sThe Enneagram 2's motivational need to connect with others and make the world a more loving placeHow Kristen uses her wings to reach big goals and avoid enabling peopleWhat it looks like when Kristen shifts into her stress number 8 (the Protective Challenger)How stretching into her growth number 4 helps Kristen say noWhy Kristen's current business is perfect for her as a social Enneagram 2Connect with KristenreFRAME Your Biz:https://www.reframeyourbiz.com/reFRAME on Instagram:https://www.instagram.com/reframeyourbiz/Kristen on Instagram:https://www.instagram.com/kristencrowleytv/Kristen on Facebook:https://www.facebook.com/KristenCrowleyTVConnect with Tracytracyomalley.comwww.instagram.com/tracy_omalleywww.facebook.com/tracy.omalleytwitter.com/TracyOMallwww.linkedin.com/in/tracy-o-malley/ResourcesRegister for the reFRAME Your Brand Image Webinar:https://www.reframeyourbiz.com/Apply for My 1:1 Coaching Program:http://tracyomalley.com/workwithme/Book My Enneagram Experience Bundle:http://tracyomalley.com/workwithme/Book an Enneagram Kickstart Session:http://tracyomalley.com/workwithme/

Hello and welcome to the Alcohol Alert, brought to you by The Institute of Alcohol Studies.In this edition:Upcoming eventsThis month’s IAS blogsBig change for alcohol duty but will public health win or lose?🎵 Podcast feature 🎵Alcohol industry funded websites spread misinformation on cardiovascular riskHow has minimum unit pricing in Scotland affected alcohol-related crime?The Lords discuss gambling evidence review and links to alcohol harmIreland must commence with alcohol labelling or risk further harmGovernment rejects call for alcohol to be considered a “less healthy product” and for better labelling of productsWhich studies came out?We hope you enjoy our roundup of stories below: please feel free to share. Thank you.Upcoming eventsJoin us on Wednesday 03 November, 14:00-15:30, to discuss alcohol’s impact on the environment, seminar 2 of our four-part sustainability series.IAS Chief Executive, Dr Katherine Severi, will introduce the seminar and give an overview of the topic, including how the production and distribution of alcohol can affect greenhouse gas emissions, water use and waste, and how climate change may affect alcohol production in future.Joining us is Dr Modi Mwatsama of the Wellcome Trust, who will go into more detail about how food and drink affects our environment, what individuals can do to reduce their impact, and how we need a food revolution to improve our practices.Tom Cumberlege of the Carbon Trust will round off the event by discussing the work they do in helping businesses to reduce their environmental impact, including a number of case studies of working with the alcohol industry.Please register for the event here and come prepared with lots of questions for our panel!This month’s IAS blogsBig change for alcohol duty but will public health win or lose?On 27 October the Chancellor Rishi Sunak unveiled the Government’s Autumn 2021 budget, which saw a big change to alcohol duties: from 2023 alcohol will be taxed based on its strength, so the stronger the alcohol the higher the tax.However, as many have said, the devil is in the detail.So what is the detail?Our current alcohol duty system is full of inconsistencies whereby different drinks are taxed at different rates according to both strength and volume. An overview of the current system is presented in chart 4A, which is taken from the Government’s Alcohol Duty Review consultation document. The new system proposed by the Chancellor will simplify the alcohol duty structures by reducing the number of strength ‘bands’, or Alcohol by Volume (ABV) ranges to apply duty rates to. These bands will be applied more consistently across alcohol product categories and are presented in chart 4B. The alcohol content bands that duties will now be applied to are: 1.2-3.4% ABV, 3.5-8.4% ABV, 8.5-22% ABV, and above 22% ABV.For the bands 8.5-22% ABV and above 22% ABV, all products across all categories will pay the same rate of duty. The duty applied to a bottle of rose wine, for instance, will come down by 23p per bottle while strong beer will attract more duty. Here’s an example from The Guardian of how some drinks will change in price.Draught beer duties will be reduced by 5% for containers over 40 litres, in an attempt to support the hospitality industry. The Campaign for Real Ale (CAMRA) said:“The introduction of a draught duty rate is a game-changer for cask beer drinkers, cider and perry drinkers and the great British local. This is something CAMRA has campaigned on for many years and we are delighted the Government has listened”.However the Society for Independent Brewers (SIBA) said it had called for the draught beer duty relief to apply to containers above 20 litres – so that it would benefit craft keg and cask. As the policy only applies to 40 litre containers, bigger companies will benefit more.One of the less rational aspects of the changes is the continuation of lower duty rates for cider. Under the new proposals, cider will attract less duty than other products of the same strength, until it reaches the higher band of >8.5%. As table 4B below shows, cider duties will be less than half of beer duties for the same strength products.The Government reasoning for this is that they are “mindful of the significant impact this would likely have on the cider industry. Apple and pear cider clearances have been in decline for the last decade, with volumes decreasing 28% since between 2009 and 2019”.In response to this, health economist Colin Angus, of the University of Sheffield, said:“All this does is encourages heavier drinkers to drink cider. Because it's much cheaper. And they do. The Treasury acknowledges the issue, but protests they can't fix the huge disparity, because it would involve there then not being a huge disparity... This is by far the biggest failing of the UK duty system and until somebody fixes it and taxes cider on a par with beer, heavy drinkers are going to continue to do themselves a huge amount of harm drinking incredibly cheap white cider.”Another announcement at the Budget that sparked concern amongst public health bodies was the freezing of alcohol duties once more this year. As the Treasury’s own figures show below, this will cost the UK Government over £0.5billion every year, as well as increasing harm, which the increase in affordability inevitably leads to.In response to the changes, IAS Chief Executive Dr Katherine Severi said:“We welcome the principles outlined in the Chancellor’s alcohol duties review to protect public health and simplify the system by tackling high-strength low-cost alcohol. It is common sense that stronger drinks should cost more, as they do more damage to the health of individuals, to families, and to wider society.Alcohol harms have been felt more acutely during the pandemic, with alcohol-related deaths increasing 20% in 2020. Unfortunately, today’s freeze on all duties over the next year will do nothing to alleviate these harms in the short-term, which represents a missed opportunity to achieve the public health goals set out by the Chancellor today.This means the new duty structures will need to work harder to improve public health and tackle inequalities across the UK. We will continue to work with government to push for changes to alcohol duty that result in meaningful health gains and reduce the cost of alcohol to society.”Professor Sir Ian Gilmore, of the Alcohol Health Alliance, said:“The decision to once again freeze alcohol duty is totally misguided. We are already at crisis point when it comes to alcohol harm. Deaths caused by alcohol reached record highs in 2020 and making alcohol even cheaper will only deepen the health inequalities that this government had promised to address.”In terms of next steps, the Government has launched a consultation on the duty changes, the deadline for which is 30 January 2022.Alcohol industry funded websites spread misinformation on cardiovascular riskResearch by the London School of Hygiene & Tropical Medicine has found that alcohol industry (AI) and AI-funded groups misrepresent the evidence on cardiovascular (CV) effects of moderate alcohol consumption.The study looked at the accuracy and completeness of CV health information that the alcohol industry and funded groups disseminated, compared to 18 websites of non-AI-funded sources.The results of the study found:12 of 18 AI/AI-funded websites refer to CV impacts of drinking, with 9 of those (75%) stating drinking is associated with a reduced risk of at least one CV conditionIschaemic heart disease was the most frequently mentioned conditionAll non-industry groups surveyed referred to CV impacts from alcohol, with alcohol “almost exclusively cited as a risk factor (as opposed to a protective factor) in the development of such conditionsThe J-shaped curve theorises that low to moderate alcohol consumption represents optimum exposure to alcohol, with increased risk for non-drinkers and heavy drinkers – see graph below. However, this interpretation has been subject to much criticisim, for instance: moderate drinkers may be better off and have a healthier life in general, abstainers may do so due to various health issues, there are issues with self-reporting, and the curve does not include health externalities such as road deaths or death from partner violence due to alcohol consumption.The study found that 55% (10 of the 18) of the AI/AI-funded websites mentioned the J-shaped curve, with 5 of those caveating that the association is specific to age groups or using qualifying descriptors such as ‘may have a protective effect’.In contrast 33% (6 of the 18) of the non-industry groups mentioned the curve, and all who did so discussed associated qualifiers.The AI/AI-funded websites were much more likely to imply that there is a balance between the positive and negative effects of alcohol on CV risk. Further, the analysis showed that these websites used distraction by focusing on alternative risk factors other than alcohol, such as family history, environment, weight, and poor nutrition – a practice far less common by the non-industry funded groups.The researchers state that AI/AI-funded groups were more likely to emphasise the set of causes for CVD by discussing potential confounders of the alcohol-CVD relationship. They argue that this is “a common strategy among unhealthy commodity industries, including the tobacco industry, and risks obscuring that alcohol is an independent risk factor”.They go on to argue that the alcohol industry understands the negative impacts of alcohol on health, but that they frame it as “heart healthy”, and the information they provide does not reflect the best available evidence.An important point highlighted by the study was that Government-funded sources of information, such as the NHS, “should aim for greater rigour and transparency by using and citing the most up-to-date evidence”. And that NGOs linking to industry-funded websites, such as to Drinkaware, “implies endorsement that is ill-advised given the high risk of bias in health information provided”.How has minimum unit pricing in Scotland affected alcohol-related crime?As part of its ongoing analysis of the effectiveness of minimum unit pricing (MUP), Public Health Scotland released a report on 12 October that suggests MUP has had “minimal impact” on alcohol-related crime in the country.Researchers at Manchester Metropolitan University looked at Police Scotland data from January 2015 to January 2020 to understand the effect MUP had on alcohol-related crime, disorder and public nuisance.Dr Karl Ferguson, Public Health Intelligence Adviser at Public Health Scotland, said:“Understanding the impact of MUP on social harms including crime and public safety is an important aspect of the overall evaluation. The findings of this research are in line with previous Public Health Scotland studies which reported limited evidence of increased theft or illicit substance use as a result of MUP. These studies included research into how MUP affected small retailers, people drinking at harmful levels, and children and young people.”Dr Carly Lightowlers of Liverpool University and Lucy Bryant of IAS looked at the report’s limitations and will publish an IAS blog comprehensively explaining these. The limitations they highlight are:Further studies will offer additional insights regarding MUP and crime, such as ambulance callouts, hospital admissions and deaths, and MUP and illicit substance useThe Lords discuss gambling evidence review and links to alcohol harmFollowing September’s review by Public Health England (PHE) that showed the shocking harm of gambling in England, the Lords debated the issue.The Lord Bishop of St Albans introduced the debate and said that the gambling industry must pay more to reduce the harm it causes. He highlighted the pressure the industry puts on people to continue to gamble, pushing people toward huge debts and sadly some towards suicide. He argued that the Government must approach it from a public health perspective to prevent further harm.Lord Foster of Bath agreed with the Lord Bishop and added there is a wide range of gambling-related harms, including alcohol dependency. He argued that gambling harm should be tackled in a similar way to drug and alcohol harm – by giving it a higher profile, better resourcing, and a public health approach.Baroness Bennett of Manor Castle raised the issue of gambling and alcohol advertising, saying that we are “trailing on the global scale of controls on this out-of-control industry”. She highlighted how Sweden is “proposing restrictions on gambling parallel to its tight restrictions on alcohol advertising” and that Portugal “has just brought in a ban on advertising on TV and radio between 7 am and 10.30 pm”.Baroness Bennett went on to say:“It is interesting that so many nations are tying together alcohol and gambling advertising, because this review demonstrates that alcohol consumption is strongly associated with gambling. The noble Lord, Lord Robathan, talked about leaving it to individual responsibility, but that is obviously a problem when you combine gambling opportunities with alcohol.”Ireland must commence with alcohol labelling or risk further harmIn a letter to the Irish Journal of Medical Science, Dr Nathan Critchlow et al, argued that Section 12 of Ireland’s Public Health (Alcohol) Act 2018 should commence as soon as possible.Section 12 stipulates a number of mandatory packaging requirements for alcohol:Critchlow stated that as there is no scheduled commencement date for Section 12 it prolongs the reliance on the self-regulatory presentation of this health information to the public. He also argued that the initial COVID-19 lockdowns, due to increasing home drinking, would have provided maximum exposure to such health warnings, but that sadly this has been missed.Highlighting the reason why Section 12 needs implementing as soon as possible, Critchlow wrote that it is supported by the public, there is proof that it works in reducing harm, and that tobacco warning labels already provide a template on how best to design such labels. Discussing the tobacco industry and their use of litigation to attempt to prevent or slow public health changes, Critchlow warned that the alcohol industry is likely to use litigation too. However he said that the tobacco industry is “seldom successful”, inferring that the same may be true for alcohol industry attempts.Critchlow et al rounded off their letter by stating that: “Strong political leadership was key to the passage of the Act and will likely be needed to advance Sect. 12 if this policy is to fulfil its intended purpose.”Government rejects call for alcohol to be considered a “less healthy product” and for better labelling of productsA less healthy productThe Commons debated the Health and Care Bill on 26 October, including amendments to include alcohol as a “less healthy” product and therefore liable to the watershed ban on unhealthy product ads and online ad ban of such products.Labour MP Alex Norris argued that:“One of the few parts of the obesity strategy where we have departed from the Government’s view is the curious decision to remove alcohol, particularly with regard to calories and labels. We all know that alcohol is a less healthy product—I may well be the billboard for that, certainly when it comes to weight—so why has it been left out? Our amendments are more probing than an attempt to actually change the Bill, because I hope that alcohol has already been covered. However, in the obesity strategy in general, it seems to have disappeared, which seems very odd. I hope that the Minister can explain his thinking on that.”In response to Mr Norris’ argument, Conservative Minister for Health, Edward Argar, argued that the Government is committed to ensuring children are protected from alcohol marketing via rules in advertising codes.After listing out some of those codes – for instance that no more than 25% of audience can be children and ads must not strongly appeal to children – Argar said:“We do not believe it is necessary to consider alcohol a less healthy product in this context, or to apply the new restrictions to it”, going on to say that less healthy food and drink are unique and different to alcohol as they are not age-restricted when purchasing.Argar said that as the consultations on advertising restrictions didn’t include alcohol, we can’t be sure of the impact of the amendments on the advertising industry, regulator, alcohol industry or “wider public opinion”.He concluded that:“Material in the broadcast code and non-broadcast code relating to the advertising and marketing of alcohol products is already robust. That recognises the social imperative to ensure that alcohol advertising is responsible and, in particular, that children and young people are suitably protected. If new evidence emerges that clearly highlights major problems with the existing codes, the Advertising Standards Authority has a duty to revisit them and take appropriate action. For those reasons, I encourage the hon. Member for Nottingham North not to press the amendments to a vote.”As a recent report co-funded by IAS, AAI and SHAAP highlighted, the current self-regulatory alcohol advertising policy is anything but robust when it comes to preventing children from exposure to alcohol ads, particularly during sporting events. It showed ‘responsible drinking’ messages were only visible in 0.4% of the alcohol references during the 2020 Six Nations England vs. Scotland match. If 25% of the 120 million Six Nations audience were children, it would be acceptable, under the self-regulatory rules, for 30 million children to see this advertising. Better labellingOn 28 October the Commons debated an alcohol product labelling clause, that would ensure alcoholic drinks display:  Labour MP Alex Norris argued that people have the right to know what they’re consuming and the risks, highlighting research that shows 80% of people don’t know the calories in a large glass of wine.He went on to say that not enough people know of the dangers of drinking while pregnant, particularly around the issue of FASD and the profound impact that it has on a child’s development. Norris also highlighted a recent YouGov report that shows the public are in favour of more information on alcoholic products.Norris asked the Secretary of State to introduce secondary legislation to include this information, which he said is a “modest ask, but it promotes informed choice”.In response Conservative Edward Argar agreed that people have the right to accurate information but that the clause is unnecessary as the Government is about to launch a consultation on labelling and all stakeholders must be involved. He said if the decision is taken to mandate labelling requirements, the Government will do so through a new power in the Food Safety Act 1990.Norris said he respected the process although highlighted that the consultation shouldn’t be confused with action, and that there is a growing sense of impatienceAdditional studies published this monthThe UK Alcohol Alert (incorporating Alliance News) is designed and produced by The Institute of Alcohol Studies. Please click the image below to visit our website and find out more about us and what we do, or the ‘Contact us’ button. Thank you. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit instalcstud.substack.com

Ryan Holiday is one of the world's foremost thinkers and writers on ancient philosophy and its place in everyday life. He's a sought-after speaker, strategist, and the author of many best-selling books.In this episode, Eric and Ryan discuss his book, Courage is Calling: Fortune Favors the BraveBut wait – there's more! The episode is not quite over!! We continue the conversation and you can access this exclusive content right in your podcast player feed. Head over to our Patreon page and pledge to donate just $10 a month. It's that simple and we'll give you good stuff as a thank you!Enrollment for the Spiritual Habits Group Program is now open through October 12. Click here to learn more and signup!In This Interview, Eric and Ryan Holiday Discuss Everyday Courage and …His book, Courage is Calling: Fortune Favors the BraveThe 4 cardinal virtues that a good life depends onCourage, both physical and moral, is the willingness to put yourself at riskHow fear gets in the way of courageLearning to get specific with our fearsCourage is also about sharing our vulnerabilities with othersThe importance of just getting startedHow courage requires making decisionsDetermining and gaining clarity on our personal valuesStoicism and how it encompasses the core virtuesSimilarities and differences between Buddhism and StoicismHeroism goes beyond courage, doing something for the greater good or greater than oneselfHow it requires courage to have belief and hope that things can change for the betterHis courage to open a bookstore in the midst of the pandemicRyan Holiday Links:Ryan's WebsiteTwitterInstagramFacebookFeals: Premium CBD delivered to your doorstep to help you manage stress, anxiety, pain, and sleeplessness. Feals CBD is food-grade and every batch is tested so you know you are getting a truly premium grade product. Get 50% off your first order with free shipping by becoming a member at www.feals.com/wolf If you enjoyed this conversation with Ryan Holiday, you might also enjoy these other episodes:How to be Fearless with Jessica HagyConscious Leadership with Eric KaufmannSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You can't just chatter about patience. If patience moderates our sorrows, then it's ultimately a deeper spiritual virtue that can't be instrumentalized to feel better—it's more deeply connected to a joy and hope that recognizes to what and to whom we are in demand, to whom we're responsible, brings closer attention to the present moment, and acknowledges our limitations and lack of control. In this episode, Ryan McAnnally-Linz and Evan Rosa review and reflect on the six episodes that made up our series on patience: why it's so hard, what's good about it, and how we might cultivate it.These six episodes explored patience in its theological, ethical, and psychological context, offering cultural and social diagnosis of our modern predicament with patience, defining the virtue in its divine and human contexts, and then considering the practical cultivation of patience as a way of life.This series featured interviews with Andrew Root (Luther Seminary), Kathryn Tanner (Yale Divinity School), Paul Dafydd Jones (University of Virginia), Adam Eitel (Yale Divinity School), Sarah Schnitker (Baylor University), and Tish Harrison Warren (priest, author, and New York Times columnist).Show NotesModerating sorrowsJames 5:7: "Be patient therefore beloved until the coming of the Lord. The farmer waits for the precious crop from the earth, being patient with it, until it receives the early and the late rains. You also must be patient. Strengthen your hearts. For the coming of the Lord is near."The patient way to make a s'moreAn unexpected s'mores tutorialKairos vs Chronos: often overdone, it applies when you're talking about patience.Time with kids at bed time is incommensurate with work productivity time; comparing the two is a category mistake."One of the things that these conversations about patients had had started to clue me into was the importance of being attuned to the proper activity or thing for which this time is—a less uniform account of time that says for instance, you know, the bedtime routine with my children that time is for that. And so thinking of it as somehow commensurate with work productivity time would be a category mistake of a sort. It would be an unfaithfulness. And so that impatience derives from a lack of attentiveness to the temporal texture of our lives in really relation to God." (Ryan)There can be "patient hurry"Patience is like audio compression: it sets a threshold that is sensitive to the sorrow in our life and moderates or mitigates it.Episode summariesPatience Part 1, Andy Root: "To say that I'm busy is to indicate that I'm in demand."Feeling busy = feeling importantRecognitionAttending to the present, accepting a different form of "being in demand."Patience Part 2, Kathy Tanner: "There's no profit in waiting."Connecting economy to patience."Something has to hold firm in order for you to take risks."Stability and the steadfast love of God.Patience Part 3, Paul Dafydd Jones: "The Psalms of lament and complaint can get, as we know, incredibly dark, incredibly bleak. One operation of divine patience could be that God gives ancient Israel the time and space to accuse God. God is patient with expressions of trauma, expressions of guilt, expressions of deep anguish. And God is so patient with them that they get included in the Canon. Like, some of the most powerful, skeptical, doubtful, angry moments are found in the Psalms. So God's letting be at this moment and letting happen includes within it God's honoring of grief and trauma, such that those moments become part of the scriptures."Psalms of complaintPsychologist Julie Exline on anger with GodAnger with God is consistent with patiencePatience Part 4, Adam Eitel: "Moderating sorrow is not to suppress it or develop an affected callousness or disenchanted, jaded relation to the things one really loves."It's hard to chatter about patience.Patience and joyPatience Part 5, Sarah Schnitker: Identify, Imagine, and SyncNormativity and a truer cognitive reappraisal of one's emotional statePatience Part 6, Tish Harrison Warren: "God intended man to have all good, but in his, God's, time and therefore all disobedience, all sin consists essentially in breaking out of time. Hence the restoration of order by the Son of God had to be the annulment of that premature snatching at knowledge, the beating down of the hand, outstretched toward eternity, the repentant return from a false, swift transfer of eternity to a true, slow confinement in time. Hence the importance of patience in the New Testament, which becomes the basic constituent of Christianity. More central, even the humility, the power to wait, to persevere, to hold out, to endure to the end, not to transcend one's own limitations, not to force issues by playing the hero or the titan, but to practice the virtue that lies beyond heroism: the meekness of the Lamb which is led."Control and Meekness: Meekness is controlled strengthProduction NotesThis podcast featured Ryan McAnnally-Linz and Evan RosaEdited and Produced by Evan RosaHosted by Evan RosaProduction Assistance by Martin Chan & Nathan JowersA Production of the Yale Center for Faith & Culture at Yale Divinity School https://faith.yale.edu/aboutSupport For the Life of the World podcast by giving to the Yale Center for Faith & Culture: https://faith.yale.edu/givePart 1 Show Notes: Andrew RootDoubling down and the temptation to make up for lost timeHartmut Rosa and Modernity as AccelerationAcceleration across three categories: technology, social change, and pace of life"Decay rate” is accelerating—we can sense that things get old and obsolete much faster (e.g., phones, computers)Riding the wave of accelerated social change"We've become enamored with gadgets and time-saving technologies."“Getting more actions within units of time"Multi-taskingExpectations and waiting as an attack on the self"Waiting feels like a moral failure."Give yourself a break; people are under a huge amount of guilt that they're not using their time or curating the self they could have."You're screwing up my flow here, man."When I'm feeling the acceleration of time: “Get the bleep out of my way. My humanity is worn down through the acceleration."Busyness as an indicator of a good life“To say that I'm busy is to indicate that I'm in demand.""Stripping time of its sacred weight."Mid-life crises and the hollowness of timePatience is not just "go slower”Eric Fromm's "having mode" vs "being mode" of actionWaiting doesn't become the absence of somethingPixar's Soul, rushing to find purpose, failing to see the gift of connectedness to othersNot all resonance is good (e.g., the raging resonance of Capitol rioters)How would the church offer truly good opportunities for resonanceBonhoeffer and the community of resonant realityLuther's theology of the cross—being with and being for—sharing in the momentReceiving the act of being with and being forInstrumentalization vs resonanceBearing with one another in weakness, pain, and sufferingEncountering each other by putting down accelerated goals to be with and for the otherFlow or resonance in one's relationship to timeArtists, mystics, and a correlation with psychological flowPart 2 Show Notes: Kathryn TannerListen to Patience Part 1 on Time, Acceleration, and Waiting, with Andrew Root (July 24, 2021)What does patience have to do with money?Is time money?What is finance dominated capitalism?Viewing economy and our relationship to time through past, present, and future"Chained to the past”—debt is no longer designed to be paid off, and you can't escape it“Urgent focus on the present”—emergencies, preoccupation, short-term outlook, and anxietyWorkplace studiesPoverty, Emergency, and a Lack of Resources (Time or Money)Lack of time and resources makes you fixated on the presentA Christian sense of the urgency of the presentSufficient supply of God's graceThe right way to focus on the present"Consideration of the present for all intents and purposes collapses into concern about the future."The future is already embedded and encased in the present value of things.Stock market and collapsing the present into future expectationsPulling the future into the presentGamestop and making the future present, and the present futurePatience and elongating the presentFulsomeness, amplitude, expansiveness of God's graceRace, savings, and dire circumstancesPatience as a means to elongating the presentStability, volatility, and waiting“There's no profit in waiting"God's steadfast love and commitmentKierkegaard's Works of LoveAugustine's unstable volatile world and the implication of investing only in God's love and stability"Something has to hold firm in order for you to take risks."Part 3 Show Notes: Paul Dafydd JonesGod's patienceApostle Peter: “The Lord is not slow about his promise, as some think of slowness, but is patient with you.” (2 Peter 3)Tertullian and Cyprian"You need to think about who God is, and what God is doing before you think about who human beings are, and what we're called to become."Augustine: "God is patient, without any passion."Patience: Creation, providence, incarnation, TrinityCreatures are given time and space to "reward God's patience"This is not God getting out of the way; it's non-competitive between God and world.Colin Gunton: for the problem of evil, God's patience is a good place to start."God's patience occurs at a pace that is rarely congenial to us ... the world's history is not unfolding at the pace or the shape we would like.""God gives ancient Israel the time and space to accuse.  God is patient with expressions of trauma, expressions of guilt, expressions of deep anguish. And God is so patient with them that they get included in the Canon.""Some of the most powerful, skeptical, doubtful, angry moments, are found in the psalms.""God patiently beholds the suffering of God's creatures, particularly with respect to ancient Israel, that somehow the traumas of creaturely life are present to God, and God in some sense has to bear or endure them."Beholding Suffering vs Enduring SufferingGod's responsibility for the entirety of the cosmos: "There's no getting God off the hook for things that happen in God's universe."And yet God doesn't approve of everything that occurs.Confident expectancy: "Moving to meet the kingdom that is coming towards us.""God's patience empowers us to act."The patience of God incarnate; Christ is patience incarnate"Israel is waiting for a Messiah."We cannot understand Christ as savior of the world without understanding him as Messiah of ancient Israel.God's solidarity with us"The pursuit of salvation runs through togetherness with creation in the deepest possible sense."Letting Be vs Letting Happen"Jesus has to negotiate the quotidian."Crucifixion as the one moment of divine impatience with sinTheology of the cross as an imperative"Christians often are not comfortable with complexity. We want to think in terms of assurance. And we want that assurance to be comforting in a fairly quick-fire away. I think theologians have the task of exposing that as an ersatz hope and insisting that faith includes complexity. It involves lingering over ambiguity. Trying to fit together. multi-dimensional beliefs that are this lattice work—none of which can be reduced to a pithy, marketing quip.""Theologians need to be patient in order to honor the complexity of Christian faith. ... That's called intellectual responsibility.""Christianity is not going to cease to be weaponized by snake-oil salespeople."Staying with complexity and ambiguity"The capacity to tell the truth is in short supply.""Human beings are called to respond to God's patience. Human beings are called to make good on God's patience. The covenant of grace, which is fulfilled in Christ and which is animated by the spirit, makes that a possibility. It's not an easy possibility of real life. I mean, not just because of sin and finitude, but because of the complexities of the world that we live in. But learning how to respond to God's patience, both through forms of waiting, through forms of activity, and sometimes through moments of intemperate resistance is I think at the heart of Christian life.""People should not get in the way of human flourishing ... brought about by the empowering patience of the Holy Spirit. ... That's a gospel moment. That's a kairos moment."Part 4 Show Notes: Adam EitelThe context for Thomas Aquinas and his friars"The friars are on the verge of being canceled."What is a virtue? "To have them is to have a kind of excellence and to be able to do excellent things."Where does patience fit in the virtues?Matter and ObjectThe matter of a virtue is the thing it's about, and the matter of patience is sorrow.Sorrow can have right or wrong objects and can be excessive or deficient.Sorrow is elicited by evil, that is, the diminishment of good.Patience is a moderating virtue for the passions, similar to courage.Patience is connected to fortitude or courage in moderating our response to "the saddest things.""Patience moderates or constrains sorrow, so that it doesn't go beyond its proper limit. When we become too absorbed in trouble or woe, alot of other things start to go wrong. That's what Gregory the Great called patience the guardian of the virtues. .... deteriorate." (or to ... guardian of the virtues in that sense.")What does it feel like to be patient on this account?You can't experience patience without experiencing joy."Joy is the antithesis of sorrow. Its remedy."Remedies: Take a bath, go to sleep, drink some wine, talk to a friend ... and at the top of the list is contemplation of God.Contemplation for Aquinas: prayer, chanting psalms, drawing one's mind to the presence of God.Experientia Dei—taste and see"This is scandalous to most virtue theorists ... but you can't have patience, or at least not much of it, without contemplation.""Moderating sorrow is not to suppress it or develop an affected callousness or disenchanted, jaded relation to the things one really loves.""Patience never means ignoring or turning away from the thing that's genuinely sorrowful."Diminishment of sorrow by nesting it among the many other goods.Modulate one's understanding of the thing that's sorrowful.The sorrow of losing a childYou can only write about it from inside of it.What is it? "Beneath the agitation, some kind of low grade anger, is there some sorrow? What has been lost? What have I been wanting that is not here? What's beneath the anger? What is it?"What scripture anchors you? "Find that scripture that anchors you in patience, and let it become yours. Let God speak to you through it.Part 5 Show Notes: Sarah SchnitkerThis episode was made possible in part by a grant from Blueprint 1543.Why study patience from a psychological perspective?Patience as notably absentCan we suffer well? Can we wait well?David Baily Harned: Has patience gone out of style since the industrial revolution (Patience: How We Wait Upon the World)Waiting as a form of sufferingDaily hassles patience, interpersonal patience, and life hardships patienceMeasuring patience is easier than measuring love, joy, or gratitude, because it isn't as socially valued in contemporary lifeHow virtue channels toward different goalsPatience can help you achieve your goals by helping you regulate emotion, allowing you to stay calm, making decisions, persist through difficultiesPatience and the pursuit of justicePatience and assertiveness“If you're a doormat, it's not because you are patient, it's because you lack assertiveness."Aristotelian "Golden Mean” thinking: neither recklessly pushing through or giving up and disengaging. Patience allows you to pursue the goal in an emotionally stable wayUnity of the virtues: “We need a constellation of virtues for a person to really flourish in this world."Golden Mean, excess, deficiency, too much and too littleAcedia and Me, Kathleen Norris on a forgotten viceAcedia in relationship: “Even in the pandemic… monotony…"The overlapping symptoms of acedia and depressionPatience is negatively correlated with depression symptoms; people with more life-hardships patience is a strength that helps people cope with some types of depressionPatience and gratitude buffer against ultimate struggles with existential meaning and suicide riskHow do you become more patient?“It requires patience to become more patient."Three Step Process for becoming more patient: Identify, Imagine, and SyncStep 1: Identify your emotional state. Patience is not suppression; it begins with attention and noticing—identifying what's going on.Step 2: Cognitive reappraisal: one of the most effective ways to regulate our emotions. Think about your own emotions from another person's perspective, or in light of the bigger picture. Take each particular situation and reappraise it.Find benefits. Turn a curse into a blessing. Find opportunities.Step 3: Sync with your purpose. Create a narrative that supports the meaning of suffering. For many this is religious faithReappraising cognitive reappraisal: How convinced do you have to be? You'd have to find something with “epistemic teeth”—is this something you can rationally endorse and know, and can you feel it?Combining patience and gratitude practices, allowing for multiple emotions at once, and reimagining and reappraising one's life within your understanding of purpose and meaning.Provide psychological distance to attenuate emotional response.The existential relevance of faith for patience; theological background of patiencePatience and a life worth livingLove, the unity of the virtues, and "the longsuffering of our Lord is salvation" (2 Peter 3)Part 6 Show Notes: Tish Harrison Warren"Part of becoming more patient is noticing how impatient you are. ... It's so not-linear."Kids will slow you down and expose your impatiencePatience often looks like other things—"it looks like contentment, it looks like trust, it looks like endurance."Patience and humility: "We are not the President of the United States. Things can go on without us.""Our entire life is lived in a posture of waiting."Waiting for the eschaton, the return of Christ, and things set rightThe illusion of control—James 4:13-14Has Urs Von Balthasar: "God intended man to have all good, but in his, God's, time and therefore all disobedience, all sin consists essentially in breaking out of time. Hence the restoration of order by the Son of God had to be the annulment of that premature snatching at knowledge, the beating down of the hand, outstretched toward eternity, the repentant return from a false, swift transfer of eternity to a true, slow confinement in time. Hence the importance of patience in the New Testament, which becomes the basic constituent of Christianity. More central, even the humility, the power to wait, to persevere, to hold out, to endure to the end, not to transcend one's own limitations, not to force issues by playing the hero or the titan, but to practice the virtue that lies beyond heroism: the meekness of the Lamb which is led.""We are creatures in time."Robert Wilken: "singular mark of patience is hope"Activism and patience together"Patience can get a bad rap, that Christians are just wanting to become bovine."Patience but not quietism, a long wait but not gradualismThe ultimate need to discern the momentClarence Jordan and Martin Luther King Jr.The practices of discernment for individuals and communitiesSocial media trains us to be impatientThe meaning of urgent change is changingInternet advocacy and a connected world makes us less patient people"It takes real work to slow down and listen to another person's perspective, especially if you disagree with them."We often don't have the patience to even understand someone else.Real conversations with real peopleSilence, solitude"Having a body requires an enormous amount of patience.""My kids are so slow. They're the one's teaching me to be patient!"Little hardships of boredom and discomfort"Life with a body and life with real people inevitably involves patience.""Patience is something we learn our way out of through privilege and through being, you know, important adults."

Today, I'm sitting down with Morgan Rammo who is the founder, owner and resident DJ of VITA Fitness which is MUSKOKA'S Premier Fitness Studio⁣ located in Downtown Bracebridge.At Vita Fitness you can find fitness classes, personal training, supplements and all around good vibes. Morgan is a young, vibrant and motivated entrepreneur that followed her love of fitness and now runs one of the hottest studios in Muskoka.In this episode, we chat about…How she ended up moving to BracebridgeThe decision to open a fitness studio and how she did it with minimal riskHow she found her first few clients, and what's working now to continue marketing and promoting to new peopleWhat a typical work week looks like for her today& so much moreEnjoy this episode with Morgan and be sure to share this episode, tagging https://www.instagram.com/vitafitnessmuskoka/?hl=en https://www.instagram.com/morganrammo/?hl=en To plan your next trip to Bracebridge, head to https://www.visitthebridge.ca/ & if you ALSO want to start a business like Morgan, head to kelseyreidl.com to learn all about our 0-50k blueprint that will be your complete solution towards launching an online business. Our next cohort starts September 8th, 2021 & we have some sweeeeeet limited-time bonuses on right now. Save $200.00 using the discount code EARLYBIRD (or EARLYBIRD12 on a payment plan) if you enroll in August! (valued at$200.00) Private weekly coaching call with Kelsey until the program begins, so that you can kick-start your Visionary Business Journey (valued at $600.00) Immediately access the Visionary Trainings Archive with 100's of hours of guest expert trainings & business building masterclasses (valued at $178.00)Click here to LEARN MORE about The Visionary Method or to Enroll Today - https://kelseyreidl.lpages.co/tvm/

What is the place of patience in a life worth living? Evidence from psychology suggests that it plays an important role in managing life's stresses, contributing to a greater sense of well-being, and is even negatively correlated with depression and suicide risk. Psychologist Sarah Schnitker (Baylor University) explains her research on patience, how psychological methodology integrates with theology and philosophy to define and measure the virtue, and offers an evidence-based intervention for becoming more patient. She also discusses the connection between patience and gratitude, the role of patience in a meaningful life, and how acedia, a forgotten vice to modern people, lurks in the shadows when we are deficient in patience.Part 5 of a 6-episode series on Patience, hosted by Ryan McAnnally-Linz.Show NotesThis episode was made possible in part by a grant from Blueprint 1543.Why study patience from a psychological perspective?Patience as notably absentCan we suffer well? Can we wait well?David Baily Harned: Has patience gone out of style since the industrial revolution (Patience: How We Wait Upon the World)Waiting as a form of sufferingDaily hassles patience, interpersonal patience, and life hardships patienceMeasuring patience is easier than measuring love, joy, or gratitude, because it isn't as socially valued in contemporary lifeHow virtue channels toward different goalsPatience can help you achieve your goals by helping you regulate emotion, allowing you to stay calm, making decisions, persist through difficultiesPatience and the pursuit of justicePatience and assertiveness“If you're a doormat, it's not because you are patient, it's because you lack assertiveness."Aristotelian "Golden Mean” thinking: neither recklessly pushing through or giving up and disengaging. Patience allows you to pursue the goal in an emotionally stable wayUnity of the virtues: “We need a constellation of virtues for a person to really flourish in this world."Golden Mean, excess, deficiency, too much and too littleAcedia and Me, Kathleen Norris on a forgotten viceAcedia in relationship: “Even in the pandemic… monotony…"The overlapping symptoms of acedia and depressionPatience is negatively correlated with depression symptoms; people with more life-hardships patience is a strength that helps people cope with some types of depressionPatience and gratitude buffer against ultimate struggles with existential meaning and suicide riskHow do you become more patient? “It requires patience to become more patient."Three Step Process for becoming more patient: Identify, Imagine, and SyncStep 1: Identify your emotional state. Patience is not suppression; it begins with attention and noticing—identifying what's going on.Step 2: Cognitive reappraisal: one of the most effective ways to regulate our emotions. Think about your own emotions from another person's perspective, or in light of the bigger picture. Take each particular situation and reappraise it. Find benefits. Turn a curse into a blessing. Find opportunities.Step 3: Sync with your purpose. Create a narrative that supports the meaning of suffering. For many this is religious faithReappraising cognitive reappraisal: How convinced do you have to be? You'd have to find something with “epistemic teeth”—is this something you can rationally endorse and know, and can you feel it? Combining patience and gratitude practices, allowing for multiple emotions at once, and reimagining and reappraising one's life within your understanding of purpose and meaning.Provide psychological distance to attenuate emotional response.The existential relevance of faith for patience; theological background of patiencePatience and a life worth livingLove, the unity of the virtues, and "the longsuffering of our Lord is salvation" (2 Peter 3)About Sarah SchnitkerSarah Schnitker is Associate Professor of Psychology and Neuroscience at Baylor University. She holds a PhD and an MA in Personality and Social Psychology from the University of California, Davis, and a BA in Psychology from Grove City College. Schnitker studies virtue and character development in adolescents and emerging adults, with a focus on the role of spirituality and religion in virtue formation. She specializes in the study of patience, self-control, gratitude, generosity, and thrift. Schnitker has procured more than $3.5 million in funding as a principle investigator on multiple research grants, and she has published in a variety of scientific journals and edited volumes. Schnitker is a Member-at-Large for APA Division 36 – Society for the Psychology of Religion and Spirituality, is a Consulting Editor for the organization's flagship journal, Psychology of Religion and Spirituality, and is the recipient of the Virginia Sexton American Psychological Association's Division 36 Mentoring Award. Follow her on Twitter @DrSchnitker.Production NotesThis podcast featured psychologist Sarah Schnitker and theologian Ryan McAnnally-LinzEdited and Produced by Evan RosaHosted by Evan RosaProduction Assistance by Martin Chan & Nathan JowersA Production of the Yale Center for Faith & Culture at Yale Divinity School https://faith.yale.edu/aboutSupport For the Life of the World podcast by giving to the Yale Center for Faith & Culture: https://faith.yale.edu/give

How to decide when to take out a home mortgage and whether to pay it off early. How reverse mortgages can be a helpful retirement tool.Topics covered include:Why it is more difficult to get a mortgage todayHow federal government mortgage guarantees lead to lower mortgage ratesHow to analyze whether to pay off your mortgage earlyThe differences between personal risk, market risk, and aspirational riskHow reverse mortgages work and how they can be useful as a retirement income toolWhat are the costs of reverse mortgagesBecome a Subscriber and listen to the episode ad-free on Spotify or your preferred podcasting app. Only $4.99 per month. Subscribe here.Thanks to IPVanish and Raycon for sponsoring the episode.For more information on this episode click here.Show NotesQuarterly Report on Household Debt and Credit 2021 Q1—Federal Reserve Bank of New YorkSelling Guide: Lender Letter LL-2021-03, Impact of COVID-19 on Originations (03/11/2021)—Fannie Mae0Overreliance on Fannie and Freddie Violates Their Federal Charters by Norbert J. Michel, Ph.D.—The Heritage FoundationMortgage Debt and Asset Allocation, Video by Ben FelixPlus Episode 329: Robinhood, Mortgages and ETF Transparency—Money For The Rest of UsBeyond Markowitz: A Comprehensive Wealth Allocation Framework for Individual Investors by Ashvin B. ChhabraHow the HECM Program Works—U.S. Department of Housing and Urban DevelopmentIncorporating Home Equity into a Retirement Income Strategy by Wade D. PfauRelated Episodes44: Should You Pay Off Your Mortgage?238: The U.S. Is More Socialist Than Denmark Regarding Home Mortgages317: How To Buy In A Hot Housing MarketSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of our Climate Risk podcast series, hosted by Brad Hurley, senior communications consultant at ICF, a leading climate expert discusses how floodplain maps alone may misrepresent accurate flood risk, and how climate change and access to flood risk information affects property values.The conversation with Miyuki Hino, Ph.D., assistant professor at University of North Carolina at Chapel Hill, environmental science, covers topics such as:The effect flood risk information has on residential property values in the United StatesHow property valuations will shift as flood hazards expand due to climate changeWhy it's important to consider floodplain maps when purchasing a property and how to distinguish between historical flood data and actual flood riskHow the government could play more of a role in conveying accurate flood risk to buyers

This episode contains the introduction to the book, Self-Help for At-Risk Teens, being read by the author, Ben Povlow.Life can be messy, but the mess doesn't have to define you. Keep listening to find out how to begin improving the quality of your life today!Self-Help for At-Risk Teens was written from the perspective of someone who has been there. Through my words and the hard lessons I have learned from watching my life spiral out of control, I present a no-nonsense approach to taking control of your life. By pressing play, you will learn how to overcome the odds and live the life you were always meant to live.My story is the story of so many young people in the world. Although the names and places may be different, the poor decision-making skills and everything that follows is universal to those who don't yet know how to channel their pain and restore their hope for a better future. Thankfully, after narrowly escaping the worst possible outcome, I found my way out of the hopelessness and despair.In this book, I share what helped me in the hopes it will help you as you heal and grow.By reading the book or listening to this episode and the 16 that follow it, you'll discover:What's putting you at riskHow anger affects youHow to adapt to your living situationThe dangers of drugs and alcoholSelf-development strategiesAnd much more!If you're ready to see lasting changes and live the life of your dreams, this book is the perfect tool to help you get there.Click here to view the book on Amazon.comThanks for listening,Ben PovlowSupport the showThank you for tuning in. I hope you can take some of my knowledge and experience and apply it to your life.Ben Povlowwww.theselfhelpcompany.com

#60: Over the past year, I’ve done various podcast episodes about early retirement. I’ve also had numerous guests share their FIRE stories.But what about the tactical steps for how to FIRE?Many FIRE blogs talk a bit too high-level and not enough about the mechanics of how to do it, step by step.So in today’s episode, I share tactics and best practices I’ve observed on how to retire early. With confidence and assurance. With hard numbers and analysis. With a proper weighing of risks and tradeoffs.If FIRE is a goal for you, then be sure to listen closely for key insights on how to do it effectively.What you’ll learn:How to project your early retirement cash flow needs / expenses with clarity and confidenceHow to project your retirement income cash flows with clarity and confidence to match those expensesHow to build the investment assets needed to generate that retirement incomeThe 4 main type of investment assets for funding early retirement (and their tradeoffs)How to withdraw your retirement spending needs while minimizing riskHow certain life milestones will impact your income and expense projectionsTax planning in early retirementCheck it out here:https://hackyourwealth.com/early-retirement-fireWhat tips from today’s episode do you agree with / not agree with? What questions of yours about FIRE did I not answer? Let me know by leaving a comment.Don't miss an episode, hit that subscribe button...If you liked this episode, be sure to subscribe so you don’t miss any upcoming episodes!Apple PodcastsOvercastSpotifyStitcherI need your help, please leave a listener review :)If you liked this episode, would you please leave a quick review on Apple Podcasts? It’d mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:The exact spreadsheet I use to analyze my income, expenses, and net wealthHow to set your target asset allocation and rebalance your portfolio efficiently (HYW058)Download my FREE spreadsheet to track your current vs. target asset allocationRetirement withdrawal calculator: How long will your savings last in retirement?My 4×4 FIRE framework for creating and protecting wealth (HYW002)Schedule a private 1:1 consultation with meHYW private Facebook community Intro/Outro: Old Bossa by Twin Musicom.

In this episode I'm speaking with Morgan Housel. Morgan is a partner at the Collaborative Fund, an award winning columnist and author of the book The Psychology of Money.Episode show notes: The Richards Report show notesIn this episode we cover the following topics;Our similar non-traditional paths into finance and investingThe similarities between luck and riskHow a small amount of investment decisions often drive the majority of returns for investorsThe thin line between success and failureHow your behaviour is more important than what you knowThe power of compounding in all parts of lifeThe dangers of comparing ourselves to to othersBook: The Psychology of MoneyTwitter: @morganhouselThis episode is brought to you by Six Park, one of Australia's leading online investment management services. To find out more go to www.sixpark.com.au

Ever wanted to know how Mark Cuban, Richard Branson, and Warren Buffett seem to invest with ease? Or how you can leverage and measure your risk to make billionaire financial decisions?On this episode, Stig Brodersen – investor, teacher, and host of the popular We Study Billionaires podcast – brings you his distilled wisdom on success, mindset, the stock market, and the 3 universal traits shared by ultra-elite investors (and no, they don’t include flying first class or eating copious amounts of caviar).Early on in his story, Stig found himself dissatisfied with his job and needing a change. So, he did what any rational person would do, and began studying billionaires starting from the top of the Forbes 400 list. He didn’t get far before he “found his fire,” discovering passion and community in studying the stock market and the most heralded investor of all time: Warren Buffett.He has since interviewed hundreds of guests on his podcast, and unearthed countless pearls of wisdom that he shares with you in this episode.You might be thinking: “They’re interviewing a stock market investor on a real estate podcast?” Yes, and any real estate investor could learn a thing or two!As a practiced student of the financial markets, Stig calls out all-too-common mistakes made by new investors, and shares a blueprint for you to use to determine if and how to get started in the markets, regardless of experience.In This Episode We Cover:The 3 timeless traits of billionairesWhy real estate investors should “cross-train” in the stock marketAssessing best- and worst-case scenariosWhy you need to "resonate" with your chosen asset classWhy real estate is an asymmetric bet with high reward for relatively small riskHow to get into investing in the stock market with little-to-no experienceCommon mistakes of new stock market investorsHow a BiggerPockets member saved Stig's life on an overseas trip (really!)Links from the ShowBiggerPockets PodcastThe Investor's Podcast Network's list of best investing podcastsThe Investor Podcast NetworkClick here to check the full show notes: https://www.biggerpockets.com/show415

What would you do if failure weren't an option? Would you be a tid bit riskier?Brendan was trucking along in a good corporate job when his fear of future failure compelled him to make a change. Concerned that he wasn't taking full advantage of his training as a PhD psychologist, Brendan started taking bigger risks and eventually left the corporate grind to start his own business.On this episode, Brendan Neuman walks us through his story of using creativity to take risks and mitigate the effects of a future failure. And he knows a thing or two about creativity and failure.In our conversation, we'll discuss:The opportunity cost of not taking a riskHow to be creative in any roleProjecting yourself into the future to detect potential failureYou can find more about Brendan here:Brendan Neuman is an Organizational Psychologist with Basil Consultants.IG: @basilconsultantshttps://www.basilconsultants.comwww.linkedin.com/in/brendan-neumanFor listeners interested in the science of creativity,  check out Basil Consultant blog at basilconsultants.com

In today’s podcast we talk about everything to do with the “emperor of all maladies”, the big C. Myself and Professor Robert have met on a couple of occasions at conferences geared toward healthy lifestyle and cancer, and I could not think of a more educated and enthusiastic person to have on the podcast who is up to date with the evidence and continues to wave the flag for lifestyle medicine and oncology.Professor Robert Thomas is a Consultant Oncologist at Bedford and Addenbrooke’s Hospitals, a clinical teacher at Cambridge University and visiting Professor of Sports and nutritional science at the University of Bedfordshire. He is lead of a Lifestyle and Cancer Research Unit conducting designing and conducting government backed studies evaluating the impact of exercise, diet and natural therapies. More recently, he led the analysis of the 155,000 patient data set (PLCO) which has linked sugar with an increased cancer and tea and broccoli with cancer prevention. In 2019, he wrote the book “Keep Healthy after Cancer”, and remains medical advisor for the lifestyle and cancer website Cancernet.co.uk.We frame our conversation into 3 distinct areas to avoid confusion. What to eat to prevent cancer, during cancer and post cancer with the aim of reducing risk and improving outcomes. As cancer is an extremely broad field and confusing for even medical professionals to understand it’s biology, I want to remind listeners and viewers that this is general information and not to be taken as medical advice. In today’s pod we talk aboutWhat Cancer isThe balance of genetic vs acquired cancer and the influence of lifestyle on riskThe general principles of how to avoid cancerWhat foods to eatHow food exerts a positive impact on cancer riskHow we investigate the anti-cancer impact of foodGut health and cancerThe Warburg effectThe implication of excess sugar on cancer riskWhat to eat during cancerThe potential for ‘prehab’ initiativesVitamin D, Polyphenol and Probiotic supplements, Vitamin SupplementsPost Cancer lifestyle regimens to reduce the risk of recurrenceWhat an anti-cancer diet looks likeThe Future of Oncology: Individualised medicine, Immunotherapy and Metabolic Oncology Check out The Doctor's Kitchen website for all social media links and show notes. See acast.com/privacy for privacy and opt-out information.

Alexander Gonzalez hit rock bottom when the harness on a roller coaster ride would not close during his daughter's first ever ride because he was obese. After enduring jobs he chose because of financial reward but not happiness, he used his rock bottom to propel him to finding something he loves to do every day. He has since transformed his life. Alexander GonzalezAlexander Gonzalez is a husband and father in St. Petersburg, FL. His wife Jillian is a former marine and his two children Sofia and Rhys are the light of his life. Alexander has a masters degree in psychology and worked as an academic advisor and adjunct professor before making the worst decision of his life: leaving a career he loved in the hope of making more money. Thankful that was all changed just over two years later when Alexander determined to transform his life forever! Now Alexander is a full time stay at home dad and part time dream maker! Instagram: @Not_the_fat_dadFacebook: Alexander GonzalezWhat You'll LearnWhat are the signs that you don't love your jobHow to learn from your past career decisions to find your ultimate pathThe difference between a job and a careerWhy people use food as an escape from unhappinessWhen you focus on your fears, your fears become realityWhy we are conditioned at an early age to do what our influencers taught usWhy you can choose to be a sheep and follow what you have been told, or you can choose to be a rhino and charge hard and get everything you ever dreamed ofHow you can help friends and family who are obeseWhen is the right moment to pull the trigger to transform your lifeWhy you can either take a risk to follow your dream or you can work for someone who took a riskHow you can be a parent and experience all of your children's milestones while having a fulfilling career How to find a place of gratitude and not compare yourself to othersWhy you should find a tribe that is going to push you to be 1% better each dayWhy being authentic will free yourself from what is holding you back ResourcesRhinoceros Success by Scott AlexanderThe Five Second Rule by Mel RobbinsExperience KetonesConnect with CoryBe sure to like my Facebook page @CoryCalvinOfficial to watch the live (video) podcast recordings (click here for the video replay) and to receive updates on inspirational books and online courses I am creating. Become a member of my tribe.... www.corycalvin.com/tribe

#36: Last week, we dove headlong into the wonky but uber-crucial topic of retirement safe withdrawal rates.My conversation with Karsten Jeske, PhD – a former professor, Fed economist, quantitative finance researcher, and early retiree – focused last week on sequence of returns risk and how to estimate your safe withdrawal rate in early retirement.Our conversation was so action-packed that I had to break it up into two episodes, so this week we continue our discussion and focus on how to mitigate sequence of returns risk during early retirement.We discuss:How to adjust your withdrawal rate and rebalance your portfolio in response to market conditionsHow to critique the common advice that the returns risk in the first 10 years of retirement determine success or failure in all retirementWhy sequence of returns risk is a “zero sum game” between retirees vs. savers, and why investing strategies for these two groups should therefore inversely mirror each otherConcrete actions investors can take, during their accumulation phase and during retirement, to reduce sequence of returns riskHow early retirees can use rental real estate to reduce sequence of returns riskWhat is the lowest historical safe withdrawal rate that entirely eliminated sequence of returns riskHow coronavirus might impact your safe withdrawal analysis and early retirement prospectsWhat actions do you plan to take to fortify your safe withdrawal rate? What other questions about safe withdrawal rates and sequence of returns risk do you have? Let me know by leaving a comment when you’re done.Don't miss an episode, hit that subscribe button...If you liked this episode, be sure to subscribe so you don’t miss any upcoming episodes!Apple PodcastsSpotifyGoogle PodcastsStitcherI need your help, please leave a listener review :)If you liked this episode, would you please leave a quick review on Apple Podcasts? It’d mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:Early Retirement Now Safe Withdrawal Rate SeriesHYW private Facebook community Intro/Outro: Old Bossa by Twin Musicom.

God has given Andy a really important and influential role to play in business right now.As the Director of Heaven in Business, Andy is leading and equipping a global movement of people who are partnering with God at work and building cities.For more than 15 years, Andy has been helping people and organisations discover and align with purpose, and then develop practical steps to make their dreams a reality.He has worked for a national consulting firm and a leading financial institution while also investing in international community development.Andy is the author Dream Culture: Bringing Dreams to Life, God With You at Work and the recently released Finding Hope In Crazy Times. What a time to be releasing a book like this! It is absolutely a must read, right now.Originally from New Zealand, Andy and his wife Janine are based in Redding, California, with their four children.I sit down with Andy when he’d just come out of two weeks of isolation from his family.We talk about:Being in Europe as the Coronavirus pandemic unfoldedHow to process and respond in times of crisisThe importance of riskHow to draw on your own stories and history with GodFinding opportunityWhat the future looks like for believers in businessAnd so much moreNotes from the interview — Andy’s weapons to empower you:Daily habit: Anchor your day in the Word, hear God's first before any other voice and journallingBible inspiration: Psalms 91, 3 and 4Worship song: The Blessing by Kari Jobe and It Is Well With My Soul by Horatio SpaffordBook: A Man Called Blessed by Ted DekkerBuy Finding Hope In Crazy Times, Andy's other books and other resources:https://andyandjanine.com/downloads/Connect with Andy:https://heaveninbusiness.com/https://andyandjanine.com/About the show:On the Supernatural Business In Times of Crisis podcast, leaders reveal how to advance your business in adversity, empowering and equipping you with the supernatural power to take on and overcome the impossible.Listen and subscribe on Apple Podcasts, Spotify, Google Podcasts or your favourite podcast player.Produced and hosted by Andrew Montesi, founder of Apiro Consulting and Apiro Media, full stack marketer, media producer and entrepreneur.Audio production by Nathan Jones and art by Jess Radnidge.Find out more, contact and join the community here:https://www.supernaturalbusinesspodcast.com/Email:supernaturalbusiness@apiroconsulting.comAn Apiro Media production https://apiropodcasts.com

Richard has a wealth of experience spanning over 4 decades. Now, that is a man who has seen and done a lot.Which is why I wanted him on the show, his musings on FB are very insightful and often offer 'another side' to Property Investment, the more realistic side. So please do follow him there.We spoke about a range of topics today:Why you should NOT get into DevelopmentIf you really really want to, then how should you go about itThe timeframes of developmentThe £££ required in DevelopmentThe risk, and money that's at riskHow much Richard has lost on bad deals £one was £100k!!)How much time does he now spend working?What is and how to achieve Planning uplift?His thoughts on Property Training Working with the Planning process Working with the Planning teams See acast.com/privacy for privacy and opt-out information.

It has become popular to sneer at our education system’s factory model. We call for the death of schools in favor of Airbnb-like learning communities. Our SAT/ACT testing culture, our boring direct-instruction content-dumping, our mental health issues - these are easy targets.But schools can thrive, and many are doing so. Only the job of the school, and the teacher, needs to change.To accompany our recent interview, I wanted to write a short book review of Thrive: How Schools Will Win the Education Revolution by Grant Lichtman. Grant is a thought leader and author. He speaks, writes, and works with fellow educators to help them innovate. Educational leaders, as well as a wider array of pundits on education, need to internalize the ideas Grant lays out in his most recent book. For example:How to ask your community what your value proposition should beHow to learn from what the corporate world is doingHow to make hard choices: “A strategy is choosing what not to do”How to accelerate movement by removing barriers. (Change is like a muscle)How to research, design, prototype, test, again and again, slowly then fasterHow to reveal what your new job is!How to take more riskHow to increase the innovation DNA of your school (most schools lack innovation DNA)At Enrollhand, we often meet school leaders who feel out of touch, whose schools are stagnating. We share with them many of the concepts below, but Grant has a silver tongue and does a way better job of telling it like it is!

Episode 68: NFBC EpisodeGuest – Vlad SedlerStrategy Section -FAABHow to allocate / when to spend on FAAB?Spend early vs. save vs budget for every weekIs it worth it to spend big FAAB on prospects?vs. Closers / Hot players / Team needs etc.RiskHow do you price uncertain players?Players with uncertain skill level.Players with an uncertain injury return time.Players who have not signed with a team yet.Mixed vs. Mono leaguesTwitter Question: When should the focus in drafts switch from picking players with high floors (low risk), to more riskier players with higher upsides?Twitter Question: If I would 100% guarantee you that in 2020 Gerrit Cole would exactly replicate his 2019 statistics - where would you take him in a draft?At what point in the draft would you rather take the best uncertain player than the guaranteed stats?Ex. Guaranteed 2019 Marcus Semien 2019 or Uncertain 2020 Ronald Acuna?NFBC Section -What is the NFBC and why should you pay attention?What are some NFBC trends that continued / were present in 2019.Will they continue in 2020?Trend examples:SP taken early trendsSpeed going earlier trendsShould you be zagging when others are zigging, or should you go with the market for trends?Mailbag – The team answers Twitter comments and questions.Injury Update – Reuven gives us the injury update.

In this episode we explore how you can learn from dating mistakes to make better financial choices, the most expensive words in investing (and how you can avoid them), why highly qualified experts are wrong more than 94% of the time, the importance of focusing on process vs outcome and much more with Dr. Daniel Crosby. Dr. Crosby is a psychologist and behavioral finance expert as well the author of New York Times Best-Seller "Personal Benchmark: Integrating Behavioral Finance and Investment Management” as well as “Laws of Wealth: Psychology  and the secret to investing success.” He was named named one of the “12 Thinkers to Watch” by Monster.com, a “Financial Blogger You Should Be Reading” by AARP and listed on the Top 40 Under 40 by Investment News.com.   We discuss:How Daniel works to integrate the messiness of human psychology into fields like economics and financeHow your emotional state colors your perception of riskHow you can learn from dating mistakes to make better financial choicesThe most expensive words in investing (and how you can avoid them) The insane “tulip” craze and what it says about financial marketsWhy in our efforts to manage risk we often create the outcomes we are trying to avoidHow you control what matters most (often without realizing it)The importance of focusing on process vs outcomeWhy “you are not special” and how that advice can save you a lot of money! Why experts are wrong 94% of the timeWhy really successful people automate their day and free up their cognitive power for more important tasksHow to be aware of the biases impacting our thinking and get a second opinionThe importance of being “not stupid” instead of being smartExistential boundary experiences and how they can transform youHow to break out of the glorified business of our daily lives and embrace the inevitability of our own mortality2 simple and actionable steps you can take right now to improve your personal finance and investment knowledgeAnd much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s been talk that A/B testing is dead, that this function is problematic and no longer effective for digital marketing. The reality is most marketers aren’t efficiently leveraging or even understanding what A/B testing is. For instance, they mistake redirection – taking a population and introducing it into another experience to see how it affects conversion – for testing, which leaves them feeling like something is still missing. And it is.   A/B testing is most valuable when it complements discovery mechanisms, such as multivariate testing and automated personalization, to vet a hypothesis first and then use A/B testing to assess it. The issue is that marketers simply aren’t viewing testing holistically – as one part of the marketing puzzle that also utilizes other capabilities such as analytics and targeting.    So how does a marketer unlock the full potential of A/B testing? Adobe’s A/B testing expert, Drew Burns, is on the show to discuss how this process works as well as provide real-world use-case examples. He also discusses: How A/B testing has evolved from gut instinct to calculated riskHow an organization can create a ‘testing culture’ that encourages collaboration between marketers and creativesThe new challenges of A/B testing today such as identifying different variations of creative assets to test, or how a team should be organized in their testing process.

Most of the guests we’ve had on the BiggerPockets Podcast have specialized in one niche of real estate.However, not all real estate investors focus on just one field.Today we want to shake things up a bit and introduce you to a relatively new investor who took 10 years to get his first deal… but has been on fire ever since engaging in numerous different real estate niches and crushing it in his business. Paul Tschetter, an investor from Washington State, shares his diversified real estate strategies and explains how we went from nothing to over a dozen deals in the past several years. From manufactured homes to vacation rentals, commercial, and more- there are an unbelievable amount of great actionable tips in today’s show. Definitely don’t miss a second of this motivation and insightful conversation!In This Show, We Cover:Getting started by working a job in real estate Why Paul started investing with a free manufactured homeHow much Paul pays for handymenHow to get infinite returns with your investmentsUsing Hard Money to invest in real estateWorking with partners to investAttracting private moneyWorking with multiple exit strategies to minimize riskHow to invest when you live in a big areaPaul’s vacation rental on “Useless Bay”Tips for getting your first dealThe worst financial advice Paul has ever heardAnd a lot more! Links from the ShowHow I Found, Analyzed, and Bought an Ugly Purple Rental Property by Brandon TurnerRedfin.comVRBOBooks Mentioned in the ShowThe ABCs of Real Estate by Ken McElroyThink and Grow Rich by Napoleon HillTweetable Topics“As an investor, you need to be extremely disciplined.” (Tweet This!)“Different locations are good for different investment strategies.” (Tweet This!)“At some point – you have to just pull the trigger and just jump in and do it.” (Tweet This!)Connect with PaulPaul’s BiggerPockets Profile Paul’s Website http://www.KingdomEG.com

Dealing with tenants can be a pain… which is why on today’s show we’re going to go beyond tenants and look at some “no-tenant” methods of investing in real estate.Specifically, we’re going to talk with real estate investor Ankit Duggal about his journey from real estate agent to syndicator to house flipper to landlord and finally to tax lien investor. Ankit has a great story and offers hundreds of great pieces of advice on this show perfect for both the new investor or someone looking to add some new skills to their investor tool belt!In This Show, We Cover:Getting started at a young ageTransitioning from Agent to InvestorHow Ankit financed his early investments using other people’s moneyYour three circles of influence for raising moneyThe three team members you need before syndicatingInvesting with close family membersWhat is a tax lien and how (and why) to buy one.Earning 18% on your money through Tax LiensWhy tax liens have almost no riskHow to do your due diligence on a tax lienAnd lots more!Books Mentioned in this ShowThe Real Estate Game: The Intelligent Guide To Decisionmaking And Investment by William J. PoorvuBuilt to Sell: Creating a Business That Can Thrive Without You by John WarrillowLinks from the Show:BuildiumBrandon’s 7 Year PlanBP Podcast 007: Making Appraisals Work For You with Ryan LundquistTweetable TopicsI’m not “money-driven” – I’m “lifestyle-driven.” (Click to Tweet!)Educated yourself as an investor. That’s the first step in any investment. (Click to Tweet!)I don’t believe in ‘get rich quick.’ You gotta put in the time and effort. (Click to Tweet!)Connect with AnkitAnkit’s BiggerPockets ProfileAnkit’s BiggerPockets’ Blog PostsAnkit’s Website

In this episode of Selling With Love podcast, Jason Marc Campbell interviews Jay Abraham, one of the world's most renowned business growth experts and wealth creators. Jay shares his insights on how to create the income and wealth of a lifetime every three to five years by using his proven methods of business acquisition and exit strategy.He reveals how anyone can find underperforming businesses that have been validated for five years and acquire them with little or no money out of pocket. He also explains how to multiply the profit potential of these businesses by using his 97 categories of techniques that require no investment or risk. Finally, he shows how to sell these businesses for a huge multiple over what you paid for them and create massive wealth in the process.This episode is packed with valuable information and examples that will change your perspective on what a business can do for you and how you can play a totally different game than most entrepreneurs.Never Struggle With Sales Again: Identify, Attract and Close your Ideal ClientsFREE MINI-COURSE