POPULARITY
21 episodes with spts
10 episodes with spts
3 episodes with spts
3 episodes with spts
3 episodes with spts
2 episodes with spts
2 episodes with spts
2 episodes with spts
Françoise von Trapp interviews Dave Thomas, of the SPTS Division at KLA, to talk about the evolution of wafer-level packaging, what's been driving the market to adopt more advanced processes over the past 20 years, and the role KLA and specifically the SPTS division has played in bringing these technologies to commercialization. The specific technology focus is on plasma dicing, its uses, particularly in die-to-wafer hybrid bonding, and the path to adoption. Thomas addresses in detail some of the process challenges and how SPTS has addressed them. He also talks about the fast-moving technical requirements that make the processes for packaging applications highly competitive. To learn more about plasma dicing, read this article published by KLA on 3D InCites. KLA, SPTS Division KLA provides semiconductor equipment for metrology, inspection, wafer processing, and more. Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showLike what you hear? Follow us on LinkedIn and TwitterInterested in reaching a qualified audience of microelectronics industry decision-makers? Invest in host-read advertisements, and promote your company in upcoming episodes. Contact Françoise von Trapp to learn more. Interested in becoming a sponsor of the 3D InCites Podcast? Check out our 2023 Media Kit. Learn more about the 3D InCites Community and how you can become more involved.
This episode of the 3D InCites podcast is brought to you by our sustaining members. Shout out to our first official sustaining members Lori McDonald of Deca, and Brian Schieman, of IMAPS. Thanks for helping us continue to create great content! At ECTC 2023, which took place earlier this month, the password was hybrid bonding. In this episode, you'll hear from our member companies that specialize in hybrid bonding solutions: Adeia, EV Group, and Onto Innovation. You'll also hear about a novel die-to-wafer process technology from CEA Leti, and an alternative to Die-to-wafer hybrid bonding being developed by the UCLA CHIPS program. Thomas Uhrmann, Markus Wimplinger, and Dave Kirsch, EVGroup, talk about the company's capabilities in supporting both wafer-to-wafer hybrid bonding, and the work being done at the Heterogeneous Integration Competency Center in Austria. Adeia's Laura Mirkarimi and Abul Nuruzzaman, pioneers of hybrid bonding, help dispel some misconceptions about the commercialization of Die-to-wafer hybrid bonding. They talk about the advantages of investing in not only the technology license but the technology transfer. Monica Pau, Onto Innovation, talks about the events focused on hybrid bonding, but also some insights into glass core IC substrates, and Onto Innovation's capabilities in both. Emilie Bourjot, CEA-Leti, describes a novel self-assembly process that allows for improved alignment accuracy and increased throughput during die-to-wafer hybrid bonding. Subu Iyer, of UCLA CHIPS, offers a new approach to copper-to-copper thermocompression bonding that he says provides an alternative to die-to-wafer hybrid bonding. Next up on the 3D InCites Podcast: On July 6, Dave Thomas, of KLA's SPTS division will talk about the advantages of plasma dicing for die-to-wafer hybrid bonding. That episode is sponsored by KLA. Support the showLike what you hear? Follow us on LinkedIn and TwitterInterested in reaching a qualified audience of microelectronics industry decision-makers? Invest in host-read advertisements, and promote your company in upcoming episodes. Contact Françoise von Trapp to learn more. Interested in becoming a sponsor of the 3D InCites Podcast? Check out our 2023 Media Kit. Learn more about the 3D InCites Community and how you can become more involved.
The 3D InCites community had 24 of its members who were either presenting, exhibiting, or both. This episode features conversations Françoise had with many of the participating members about the key takeaways they got from the event, as it relates to their company's technology goals. Rozalia Beica and Venkata Mokkapati, AT&S talk about the important role advanced IC substrates have in today's advanced microelectronics. They addressed questions about the lack of IC substrate manufacturing in the US, and how AT&S is positioned to help support that need. Ram Trichur, of Henkel Corporation accepted the Material Supplier of the Year 3D InCites Award and talked about changing materials requirements to support automotive electronics requirements. Ralph Zorberbier and Rolland Rettenmeier of Evatec talk about advancements in physical vapor deposition for fan-out wafer-level packaging, and thermal management solutions for HPC. They also talk about the traction fan-out panel level packaging is getting. David Levy, of Mosaic Microsystems, was at ECTC to learn about emerging applications that could benefit from the company's thin glass handling solutions. Stephan Schmidt, LPKF Laser, explains why glass is such an important topic right now in the microelectronics community and the role LPKF has played in solving glass challenges – such as forming through glass vias. Irving Wang, MRSI, talks about what he came to learn at ECTC 2023, and the current focus on hybrid bonding, and the role MRSI plays in die-to-wafer hybrid bonding. Garry Pycroft, Deca, sings the praises of ECTC, and what a great event it is. He also talks about the different segments of the market that Deca's technologies serves. Curtis Zwenger, at Amkor Technology, shares the news about opening of the smartest OSAT factory in the OSAT world, located in Vietnam. Dave Thomas, KLA's SPTS division, talks about all the information he gets out of ECTC, and how it relates to what SPTS is working on to support emerging technologies. C.P. Hong and Vikas Gupta, from ASE Group, talk about the company's new product announcement, FoCoS Bridge, and how it fits into the VIPack pillars. Debbie-Claire Sanchez, ERS Electronic, talks about the company's efforts to build a portfolio around warpage, with the launching of its warpage metrology system. Support the showLike what you hear? Follow us on LinkedIn and TwitterInterested in reaching a qualified audience of microelectronics industry decision-makers? Invest in host-read advertisements, and promote your company in upcoming episodes. Contact Françoise von Trapp to learn more. Interested in becoming a sponsor of the 3D InCites Podcast? Check out our 2023 Media Kit. Learn more about the 3D InCites Community and how you can become more involved.
Struggling with intimacy but you've already tried *everything*? Not sure what could possibly help? Surrogate partner therapy is amazing and we want you to know more about it! Brian Gibney, a Surrogate Partner Therapist talks with us about how he and other SPTs help people build trust and communication that allows them to experience physical touch with safety and connection. For more information about Surrogate Partner Therapy and Brian Gibney go to BrianGibney.org, Resources mentioned in the episode: https://www.surrogatepartnercollective.org/ https://www.embracespt.org/ Are you ready to open your relationship happily? Find out at www.JoliQuiz.com Want more support in your journey? Click here to apply for individual coaching.
SPTs this one is for all y'all! If you are wondering how to make the best out of your affiliations then you need to listen to this. Whether you like the setting/facility you are in or not, you can always take positives out of it! Your affiliations are your first interviews! Treat them that way! Tune in to find out how to crush your affiliations!
Find out more about this event on our website: https://bit.ly/3UZ4CpV In March 2022, the Republic of Chile placed the first-ever Sovereign Sustainability-Linked Bond (SSLB). This $2 billion 20 year SSLB was more than 4 times oversubscribed - a remarkable achievement given the sovereign bond market's volatility and uncertainty. Green Policy Performance Bonds, Sustainability-Linked bonds (SLBs), and, most noteworthy, Sovereign Sustainability-Linked Bonds (SSLBs) form a subset of green bonds however, they differ from green bonds, social bonds, or sustainability bonds in several crucial ways: First, the funds raised are not tied to a specific project, but a corporate or national objective. Liberating the proceeds from a specific project frees the issuer to deliver sustainability improvements using a wide range of means. Second, SSLBs and SLBs are issued with specific sustainability performance targets (SPTs), which contain key performance indicators (KPIs), for example: “A 20% reduction in scope 1 & 2 emissions by 2030”. Third, if the SPT is missed the bond is subject to a ‘step-up' clause, meaning the bond interest increases. Speaker: Patricio Sepúlveda Carmona is currently the Head of Public Debt Office for the Ministry of Finance, where he has also acted as Senior Advisor since 2002. Mr. Sepúlveda obtained his BA in Commercial Engineering, concentrating in Economics, from the Universidad de Talca (Chile) and has a postgraduate degree in Business Administration and a Master of Science in Financial Economics from the Catholic University of Leuven (Belgium). As Head of the Public Debt Office, Mr. Sepúlveda has placed bonds for over US$150 billion in the local and international markets. Under his management, the curves have been extended since 2003, issuing longer bonds. For instance, in 2012, he performed the first external issuance of 30-years and 20-years bonds locally. In 2013, he executed the first issuance of 30-years nominal bonds locally. In 2016, he performed one of the most important LM operation in the local market (US$14.5bn), with the aim to create strong references both in UF and nominal curve. In 2017, he issued the first domestic Euroclearable Bonds for US$1.5 billion offered simultaneously to local and international investors. Additionally, in 2017-2018, he designed the structure and hired Chile's first insurance against earthquake for US$500 million with the World Bank. In 2019, he was in charge of the first issuances of Green Bonds for the equivalent of US$2.4bn. More recently, he was in charge of the issuance of several ESG instruments, including Social and Sustainable bonds of the Republic of Chile.
Episode Summary Hosts Nicholas Gandolfo, Director, Corporate Solutions Sabrina Tang, Sales Associate, Sustainable Finance Solutions In this episode, Nick and Sabrina examine some of the interesting transactions and developments in the global sustainable finance market. Despite a general slowdown in the volume of issuances, there are still innovative transaction structures being proposed and sustainability-linked instruments (i.e., bonds and loans) continue to perform well. Green bonds continue to anchor the sustainable debt market, with several notable transactions in the blue bond space. Finally, audience questions are addressed, regarding clarity on whether sustainability-linked instruments can be structured in a program and the difference between social bonds and social impact bonds. Blue Bonds Making Waves in Sustainable Finance More corporate and sovereign issuers are exploring blue bonds to help finance their environmental conservation efforts. A blue bond is a debt instrument similar to a green bond, but with a focus on marine and ocean-based projects. In their market overview, Nick and Sabrina highlight blue bond proposals from the Securities and Exchange Board of India, the issuance of the first blue bond in Japan, and blue bond-related activities in Indonesia. The protection and conservation of oceans, waterways, and the life within them is essential for both business and society. “Sleeping” Sustainability-Linked Loans: A Concern for the Sustainable Finance Market? Nick notes the emergence of “sleeping” sustainability-linked loans, in which companies seek to build into their conventional loan documentation the ability to convert to an SLL at a later date. The key performance indicators (KPIs) and sustainability performance targets (SPTs) are also set at a later date. These types of loans are raising concerns among market participants around transparency, as its important to make sure that SLLs are not labelled as such until they have KPI and SPTs in place. The credibility of sustainability-linked instruments and sustainability washing is an area of evolving interest and scrutiny in the market. As defined by the Sustainability-Linked Loan Principles, SLLs “incentivize the borrower's achievement of ambitious, predetermined sustainability performance objectives.” Sustainability performance is measured using predefined sustainability performance targets (SPTs), as measured by predefined key performance indicators (KPIs). It is also recommended that borrowers and lenders have the appropriateness of the SPTs, and the methodology applied to assess them, reviewed by an external party as a condition preceding the loan. Details of U.S. Inflation Reduction Act Show Promise for Renewables The recently passed Inflation Reduction Act in the United States aims to control inflation by reducing the deficit, lowering prescription drug prices and investing in domestic energy. A key component of this last goal is the promotion of clean energy. This legislation will result in the biggest infrastructure spend on renewables in recent history, hopefully setting the tone for the future. Government stimulus like this could be significant in paving the way for more rapid acceleration towards net zero. Key Moments 0:01:29 Market overview 0:01:29 CBI half-year market review 0:02:44 Major issuance locations - China, Germany, Netherlands, U.S., France 0:03:58 U.S. Infrastructure Reduction Act good sign for renewables 0:04:58 Nuclear popping up 0:05:10 ESG increasingly being linked to remuneration 0:05:32 More green taxonomies being developed 0:05:56 Sustainability being integrated into leveraged loan market 0:06:19 China Green Bond Standard 0:06:36 Diversifying nature of sustainable bonds across Asia 0:06:55 "Sleeping” sustainability-linked loans on the market 0:07:58 SLB overview 0:11:28 SLL overview 0:15:52 Audience questions 0:22:03 Green bonds overview 0:28:20 Green loans overview 0:29:25 Social bonds and loans overview 0:31:17 Labeled products overview 0:33:27 Transition bonds overview 0:33:36 Regulatory and country updates List of Select Resources Climate Bonds Initiative: Sustainable Debt Market Summary H1 2022 Environmental Finance: Rise of SLBs Helps Labelled Debt Retain 19% Share of European Market Bloomberg: Green Bond Sales Drop to 19-Month Low on Tight Issuance Windows The Edge Singapore: Economic Uncertainties a Boost for SGD Bonds The Telegraph: Fund Nuclear Power With Green Bonds, Treasury Told NT News: ESG Looms as Potential Remuneration Hurdle, UBS Says Environmental Finance: Half of European ESG Leveraged Loans Have 'Weak' Target Promises Caixin Global: China's New Green Bond Standards Aim to Curb ‘Greenwashing' China Dialogue: China's New Green Finance Guidelines Have a Deforestation Blind Spot Environmental Finance: Comment: Sustainability-Linked Finance - Failure Must Be an Option Bloomberg: 'Sleeping' ESG Loans Are a Worrying Trend, BNP Says IntraFish Finance: Maruha Nichiro to Issue Japan's First Blue Bond as it Reports 25% Earnings Hike Responsible Investor: Indian Blue Bond Mining Provision Draw Market Scepticism Sustainalytics SPOs: Berlin Hyp Sustainability-Linked Bond Framework Second-Party Opinion Wells Fargo Sustainability Bond Framework Second-Party Opinion Lenovo Group Limited Green Finance Framework More Episodes
Episode Summary Host: Adam Gorley, Marketing Manager, Corporate Solutions Featuring: Upasna Handa, Senior Associate, Product Commercialization Henry Hofman, Associate Director, Corporate Governance Research In this episode of the Sustainalytics Podcast, Adam talks with Upasna and Henry to explore what it means to link executive compensation to ESG metrics and how to meet some of the key challenges. You'll learn about how tying ESG performance to compensation can enhance a company's accountability and transparency, the types of metrics firms use, industries and regions with high pay-link adoption, existing and proposed regulations, steps to make your company's program credible and transparent, and more. What ESG Metrics Are Companies Using To Assess Executive Compensation? The metrics a company will use in its ESG-linked compensation program will depend on the nature of the business, but there are common themes. Perhaps it's no surprise that there is a particular focus on environmental issues, such as emission levels, sustainable production, energy efficiency, and waste management. But companies are increasingly using metrics to focus executives' attention on social and governance issues like diversity and inclusion, culture, employee engagement, shareholder relations, and board composition. Challenges To Adopting ESG-Linked Compensation If your organization is tracking ESG metrics, you may have already dealt with some of the main challenges: determining the most material ESG issues for your company, setting targets and KPIs, and measuring your efforts. Nonetheless, this remains new territory for many, and any organization planning to set up an ESG-based executive incentive program should take a step back to understand what is required in order to make the program credible, transparent, and effective. Read Our eBook, Real ESG Accountability: Tying Your Company's ESG Performance to Leadership Compensation Download the ebook to discover how linking executive compensation to ESG metrics can support corporate goals, the current state of ESG-based incentives from Sustainalytics' research, why ESG-linked compensation is a practical step forward on accountability, details on what any firm can do to execute a credible and transparent ESG pay-link. Key Moments 00:20 Episode overview 01:50 Intro to sustainability-linked compensation 02:11 Commonly used metrics in ESG pay-links 03:15 Key challenges and questions 04:10 Long-term and short-term incentives 05:30 Accountability and transparency 06:30 Regional overview 07:54 Industry overview 08:40 Regulatory outlook 09:08 UK Investment Association “Principles of Remuneration” 09:22 EU Shareholders Rights Directive II 09:48 U.S. Tax Code amendments and SEC comments 10:18 Meeting the challenges of ESG pay-links 11:34 Setting up credible and transparent pay-links 12:44 Looking to the future Transcript 00:07 Adam Gorley: Hello and thanks for tuning into the latest episode of the Sustainalytics Podcast! I'm Adam Gorley, Producer with Sustainalytics, and I'll be your host today as we look at sustainability-linked compensation. Many companies around the world are introducing programs and practices to improve their sustainability with respect to the environment, social issues, and corporate governance. These organizations are examining the ESG issues that are most material to them, setting goals and targets to address those issues, and developing methods to measure the results so they can understand their progress. But despite all that valuable effort, it's also essential to put in place a process to align action with those goals. To effectively meet this challenge, many organizations are starting to incentivize executives by linking a portion of their compensation to the company's performance on specific ESG metrics. Is this something your organization has introduced or considered implementing? We'd love to hear your thoughts. You can get in touch at podcast@sustainalytics.com.com. In this episode, you'll hear about ESG-linked compensation from two of Sustainalytics' in-house experts on the topic: Upasna Handa, Senior Associate, Product Commercialization, and Henry Hofman, Associate Director, Corporate Governance Research. We'll be looking at how tying executive compensation to ESG performance can enhance a company's accountability and transparency and the challenges organizations are facing. We'll also talk about the types of metrics firms use for ESG-linked compensation programs, how you can ensure your company's ESG-based incentive program is credible and transparent, and much more. But first, let's take a closer look at what sustainability-linked compensation means. In essence, it's a variation on the standard practice of linking executive compensation to financial and operational metrics, such as profit, growth, employee turnover, customer churn, and so on. The key difference is that sustainability-linked compensation is tied to non-financial ESG metrics. Upasna outlines some of them: 02:11 Upasna Handa: While the details of ESG-linked executive compensation vary from company to company, and also from sector to sector, there are some common issues or common metrics that performance is measured against. For example, across the environment pillar, we often see emission levels, sustainable production, energy efficiency, and waste management. Across social and governance, we see diversity and inclusion, culture, employee engagement, and community. And across the governance pillar, we see corporate governance, shareholder relations, and board composition pretty often across industries. 02:45 AG: Companies may be choosing these particular ESG issues to respond to stakeholder pressure, meet or prepare for regulations, enhance their reputation, reach new markets, and other reasons. But, as Upasna notes, the specifics will depend on the individual firm. Henry adds: 03:02 Henry Hofman: Ultimately, we expect the firms to be able to identify which metrics are most important to them and most relevant to their business model to ensure that executives are being incentivized in the correct way to achieve meaningful change. 03:15 AG: Unfortunately, while ESG pay-links are based on a tried-and-tested business practice, they come with several unique and important challenges. While most companies understand clearly the strategic financial and operational risks they face, their targets and key performance indicators (KPIs), and how to measure them, the same cannot be said for the material ESG issues (or MEIs) companies face. Basically, this is unfamiliar territory for many organizations. Upasna explains some of the core challenges facing companies when it comes to tying executive compensation to ESG metrics: 03:49 UH: The major challenges in incorporating ESG metrics into executive pay includes structuring the ESG-linked pay. So, clearly articulating material ESG issues, ensuring the board understands them, deciding on appropriate KPIs, and also measuring the success of these ESG programs based on those. Another important component would be the time period that we're looking at when it comes to structuring to effect meaningful changes. An important question here would be: will a short-term or a long-term timeframe be the most effective for our company? Is it better to set ambitious well-calibrated one-year targets rather than vague long-term ones? And also, because companies looking to progress on core strategic priorities need to incentivize top leadership to think more long-term, so are we going to have those KPIs as more long-term incentive plans? Environmental goals sit comfortably within long-term incentive plans as of now because of the long-term orientation, but some ESG targets, such as health, safety, gender pay targets, and even diversity and inclusion targets, can be calibrated over a single year. So, for example, BP uses ESG metrics in both its annual bonuses and its long-term incentive plans. Starting in 2020, the bonus has a 15% weightage on safety, which was a well-established metric, and on the environment, which relates to short-term emission reduction targets. The long-term incentive plan now has a 40% weighting to strategic goals including input measures around renewables, energy transition, etc. 05:24 AG: We'll come back to how companies are meeting the challenges in a few minutes. Before that, I want to explore the important question of value. Specifically, how can linking executive pay to ESG metrics enhance a company's accountability and transparency? 05:38 UH: When we talk about accountability, tying variable compensation to ESG performance provides an additional tool for firms and boards to hold their executives accountable, while they're communicating their principles and objectives with employees, investors, regulators, and other important stakeholders. This is especially important when it comes to companies in high ESG risk industries, which may have more difficult material ESG issues to address. And coming to transparency, when companies incorporate ESG into incentive plans, their boards, investors, employees, communities, and other stakeholders have a valuable tool to track their progress on ESG issues. 06:21 AG: So, ESG pay-links are growing in popularity due to increased demand for accountability and transparency, but how is this trend affecting different regions and industries? Not surprisingly, some places and types of business are seeing more activity than others when it comes to linking compensation to sustainability metrics. Here's Henry Hofman: 06:40 HH: Looking at the data, I think there's some interesting patterns that emerge. It's probably important to note as well though that our research is obviously based on publicly disclosed information, so there is a bit of a correlation between those regions that tend to have just generally good governance disclosures and where we see stronger examples of ESG being related to pay. But having said that, the European companies and U.S. companies based on our data are the highest adopters with 17% and 13% of our universe incorporating ESG metrics into their executive remuneration, either as a part of their long-term compensation plans or their short-term programs. There are some other countries outside of Europe and the U.S. that have particularly strong practices: Australia and South Africa both stand out as having a high adoption rate. 07:34 AG: As Henry suggests, the likely reasons for these numbers are fairly clear. Where there are strong corporate governance regimes, active stakeholders, investor pressure, effective say-on-pay mechanisms, and so on, those are the regions where you'll find more companies implementing ESG pay-links. But what about industries? Are organizations in some sectors more likely to adopt ESG pay-links? 07:58 HH: So, I think that's really interesting, and the data suggests that those industries that are most often in the public eye, I would say, for perhaps having ESG practices that are less than ideal — there's no hard and fast rule — but those industries do tend to have a reasonable uptake. So, we're talking about precious metals and diversified metals, oil and gas producers, refiners and pipelines, and utilities. These are the industries that we are seeing that actually have the higher takeup in terms of setting ESG metrics and linking it to executive compensation. I would say though that, even within these industries, there's still at most only about a 30% takeup. So, there's certainly a long way still to go. 08:42 AG: This leads us to the issue of regulations. While it is common to hear about broad ESG and sustainability-related regulations — particularly with respect to reporting — the development of requirements specifically related to compensation is still in the early stages. I'll let Upasna fill us in. 09:00 UH: There are multiple efforts from government, industry, and professional bodies around the world to establish more ESG reporting standards for disclosure, measurement, remuneration, and so on. Starting off with The Investment Association in the UK, this body has released a document titled, “The Principles of Remuneration,” which includes guidance on how to develop ESG bonuses and compensation schemes. We have the Shareholder Rights Directive II from the EU. These are actually say-on-pay provisions that provide shareholders with the right to vote on remuneration policies and reports. And the updated directive requires numerous additional European countries to regulate shareholders' right to vote on executive board pay. Many more companies that have ESG pay-links must now disclose their own plans. Coming to the U.S., we have the U.S. Tax Code. Amendments now enable firms to increase bonuses with their assessment of a company's commitment to ESG principles. Another very important change that has taken place in the U.S. is a push for ESG-linked compensation from the SEC. The SEC Commissioner Allison Herren Lee is urging corporate boards to make changes in line with the agency's push for more ESG disclosures and also tying executive compensation to ESG metrics. 10:18 AG: And this brings us back to the challenges companies face when it comes to implementing an ESG-linked compensation program — and how they can overcome the obstacles. Recall, the key challenges include: uncovering the ESG issues that are material to your organization; clearly articulating the MEIs so that the board understands their importance; determining appropriate goals and KPIs; and measuring progress. Regulations also pose a challenge, but the good news is that the same steps an organization takes to tackle the broader challenges will also help them prepare to meet regulations. Moreover, by investing the time and effort to get it right, organizations will help ensure they are setting up their ESG pay-links in a credible and transparent way. 11:00 UH: So, companies can actually prepare by ensuring the relevance and the materiality of their key performance indicators or KPIs and the level of ambition demonstrated by the sustainable performance targets or the SPTs to ensure transparency. This is important when we look at any ESG metrics, so we need to make sure the KPIs and the SPTs are in place. It is, of course, important to understand also what your peers are doing as well as the investor perspective. But more than that it is crucial to understand your own ESG agenda and how you want to measure the success. To have a credible and effective ESG compensation program, that would involve multiple elements including a clear articulation of material ESG issues, solid board engagement and buy-in from senior leadership, selection of appropriate metrics supported by operational data, and the means for measuring that success. Selecting the right ESG metrics is not an easy task, so for most board members, they find it challenging to narrow down the discussion on suitable ESG metrics out of the hundreds of options presented. The consensus is not to consider this as a “check the box” kind of exercise, but to identify metrics that are linked to more of the company's purpose and the ones that truly drive long-term sustainable value creation for the firm. 12:19 AG: While it might not be an easy task, companies that do not take meaningful steps toward “sustainable value creation” will likely have trouble growing their business over the long term. That's essentially why practices that align executive action to strategic priorities — like ESG-based compensation — are so important: it's one thing to set goals, but taking the necessary steps to achieve those goals is where change and growth happens. Looking to the future, we can expect to see more companies around the world adopt ESG pay-links as good corporate governance practices advance, stakeholders take a more active role in calling for accountability, and regulators step in to guide the process and prevent greenwashing. That's it for this episode of the Sustainalytics Podcast! If you want more details on ESG-linked executive compensation, please visit Sustainalytics Resource Center and download our recent ebook, “Real ESG Accountability: Tying Executive Compensation to ESG Performance” or see the link in the show notes. Have a question or a suggestion on what we should talk about next? You can email us at podcast@sustainalytics.com.com. Thanks again to our guests, Upasna Handa and Henry Hofman, and thank you for listening. Until next time!
Are you a PT student struggling with fear of failure and how to achieve your graduation goals without accumulating any debt? Being a student physical therapist comes with its fair share of challenges, but it's possible to transition successfully from an SPT into a fulfilling and impactful PT career. Ready to find out how? Welcome to Rehab to Wellness B.O.S.S. Podcast! I'm your host, Kim Nartker PTA. In this episode, I will be joined by Gabby Mace, the Co-founder of GRADitude: The Grad School Guide for Student Physical Therapists. Gabby is an outdoor enthusiast, physical therapist, and mentor to PT students. She has a passion for helping students navigate through PT school so that they can transition to new grad life as a clinician. Gabby will reflect back on her journey to PT school, the expectations she had of PT school, the realities of how things actually went and dealing with imposter syndrome. She will share what she does to help SPTs navigate the insanity of PT school and DPT on their first try debt-free, how failure set her up for success even to date, and how she struggled as a student during Covid dealing with isolation and online DPT school. Gabby will also be very gracious in imparting her valuable wisdom for SPTs, and so much more. So don't miss out! We will touch on such topics as: Why PT students should take a gap year between undergrad and grad school. How failure can lead to massive growth and improvement when you're in PT school and in your PT career. Starting a successful podcast during grad school that's now at more than 250 episodes. Helping student PTs navigate PT school on their 1st try, debt-free. Why building a network is critical to growing your business. Finding and reaching out to your target customers. Reach Out to Gabby: Instagram: https://www.instagram.com/graditude_the_podcast_/ Facebook: https://www.facebook.com/gabby.mace Linkedin: https://www.linkedin.com/in/gabbymacept/ Student Physical Therapist Network Group on Facebook: https://www.facebook.com/groups/studentphysicaltherapynetwork/about/ Reach out to Me: Get YOUR FREE WELLNESS BUSINESS SUCCESSFUL START-UP CHECKLIST HERE! Facebook Group: Rehab to Wellness B.O.S.S Website: https://thestretchmobilitycoach.com/beacoach/
Who is Anthony?We talk about strategic planning, aligning teams and getting them to their One Destination.Key Takeaways1. Organisations can fall into the multiple destination trap, both the CEO and their leadership team and the rest of the organisation, are moving in different directions. And the challenge is getting their entire organisation not only aligned to where they want to go, making sure they're going to the right place, but setting up the structure systems, processes, and strategies in order to get them there. 2. You only control half of the communication, the receiver controls the other half.3. One of the challenges that CEOs have, is that their job is to be visionary, and to be ahead of their people, so they can lead them. But if they are too far ahead of their people, their team will actually regressValuable Free Resource or Actionhttps://www.smestrategy.net/strategic-planning-consultant-strategy-facilitatorA video version of this podcast is available on YouTube : and on linkedin : https://www.linkedin.com/posts/stuartwebb_we-talk-about-strategic-planning-aligning-activity-6866377938296803328-SPTs————————————————————————————————————————————-Subscribe to our newsletter and get details of when we are doing these interviews live at https://TCA.fyi/newsletterFind out more about being a guest at : link.thecompleteapproach.co.uk/beaguestSubscribe to the podcast at https://link.thecompleteapproach.co.uk/podcastHelp us get this podcast in front of as many people as possible. Leave a nice five-star review at apple podcasts : https://link.thecompleteapproach.co.uk/apple-podcasts and on YouTube : https://link.thecompleteapproach.co.uk/Itsnotrocketscienceatyt!Here's how you can bring your business to THE next level:1. Download my free resource on everything you need to grow your business on a single page : https://link.thecompleteapproach.co.uk/1pageIt's a detailed breakdown of how you can grow your business to 7-figures in a smart and sustainable way2. Join The Complete Approach Facebook Group : https://TCA.fyi/fb Connect with like-minded individuals who are all about growth and increasing revenue. It's a Facebook community where we make regular posts aimed at inspiring conversations in a supportive environment. It's completely free and purposely aimed at expanding and building networks.3. Join our Success to Soar Program and get TIME and FREEDOM. : https://link.thecompleteapproach.co.uk/Success-to-SoarIf you're doing 10-50k a month right now: I'm working with a few business owners like you to change that, without working nights and weekends. If you'd like to get back that Time and still Scale, check the link above.4. Work with me privatelyIf you'd like to work directly with me and my team to take you from 5 figure to 6 and multi 6 figure months, whilst reducing reliance on you. Click on https://link.thecompleteapproach.co.uk/DiscoveryCall tell me about your business and what you'd like to work on together, and I'll get you all the details._________________________________________________________________________________________________TranscriptNote, this was transcribed using a transcription software and may not reflect the exact words used in the podcast)Stuart Webb 0:22 Hi, and welcome back to ah, not rocket science five questions over coffee today I have with me a actually, it's lemon scented water, which is not quite the same as coffee, Anthony, I hope you've got something as a refreshing forever beverage in front of you.Yes. Good, man. Good, man. So I'm here today with Anthony Taylor from SME strategy. I'm really looking forward to this. Because I think this is a really big and important topic. So welcome to the podcast. Anthony.Anthony Taylor 0:50 Thanks for it. Great to be here. I'm very excited to chat.Stuart Webb 0:52 Okay, terrific. So, you know, I'll start these off with just the simple question, I hope sort of kicks everything off. So can you just in a few words, a sentence or two Anthony describe your ideal client who you're trying to help?Anthony Taylor 1:05 Yeah, absolutely. So our ideal clients are CEOs of companies that are between 10 and 100 million, which in one way is a large range, and another not so much. And those CEOs are trying to grow their business, they want to have a legacy. They're entrepreneurial, they care about people, and they want to grow and move forward. And those are the people that we've been really helping the best over the past 10 plus years of doing what we do.Stuart Webb 1:30 I mean, is there a is there sort of, you know, you say that they range is there a particular stage in their growth that you really find is the ideal one?Anthony Taylor 1:39 I'd say from you know, everybody's got like, sort of, it's more the the growth stage, so 10, to 2020, to 5050, to 100, they all have a similar problem, it's just as a different flavour at the time.Stuart Webb 1:52 Okay, so that brings us to the second question there, really. So what is that problem? What is the thing which they're struggling to do, which they try and do on their own without help?Anthony Taylor 2:01 Yeah, so I was trying to save it for that. But, you know, we call it the multiple destination trap, you know, gotta be good guess. We call them multiple destination trap, it's that both the CEO and their leadership team and the rest of the organisation, they're moving in different directions. And it's not necessarily that it's their fault, it's, it's actually a byproduct of their success, because after getting to a place where they want it to go, now they're placed with a whole new set of options, a whole new set of opportunities, a whole new set of concerns and needs and wants. And the challenge is getting their entire organisation not only aligned to where they want to go, making sure they're going to the right place, but setting up the structure systems, processes, and strategies in order to get them there. And so they call us to help them get aligned, move forward, and, and set the team up for success.Stuart Webb 2:55 Really important stuff, Anthony, because I know, you're right, this is not something which people sort of set themselves out to do. It's a byproduct of everything else that's going on the fact that they're building a business, and they just, you know, you get lost in the fact that somebody has decided there, they grill over here, there's somebody else that's growing over here, getting that alignment is so difficult when you got everybody pulling, you know, in so many directions, trying to make the company grow as quickly as you can. It's just one of those problems. It's a byproduct that you have to sort of try and fix.Anthony Taylor 3:24 Absolutely. And some might say it's not rocket science. But the ability to actually do it properly, in addition to your full time job is really challenging, because you're in it, and you can't see all of the challenges, and you've got your day to day going. So you're trying to you know, build something over here, while you've got to maintain, you know, keep your eyes on the road in front of you. So it's, it's challenging. But you know, it just requires a lot of focus, but then the benefit is that sort of next stage of growth. That's why some CEOs are great at certain stages, because they have that experience. It's when they have to get to a new stage, a new transition that has a whole new set of growing pains, and we just complement and add to that.Stuart Webb 4:08 Yeah, that's a great point. I think it's a great point. So many CEOs do have that sort of slightly different skill set, don't do that. You just need to, I just need to know where to compliment and where to use that energy to sort of help them to bounce off somebody else in order to get there. So So what's the valuable free resource you offer those CEOs in order to be able to take them to that level that the audience might be interested in?Anthony Taylor 4:32 Well, there's actually two so one, you know, I put the put the link to the website SME strategy down, man. There we go. And so on there you can see a link to our scorecard. So as a scorecard to be able to assess where your team is at to see if you are you stuck in the multiple destination trap or if you're moving towards one destination, then the reason why we wanted to give this scorecard away and there's also a chat bot if you want any other tools and resources is that sometimes it's hard to have those conversations, it's hard to say, Hey, are we on the same page, but by using a survey that just one out of 10, it takes, you know, seven minutes to do, you can begin the conversation with your team of saying, oh, you know, we aren't clear on where we're going, or we don't have the right communication or our, you know, our tracking isn't sufficient for us to get to where we want to go. And so it's a really easy intro to have with your team, but also a great self reflection to say, oh, maybe I'm not as aligned as I thought I was. But you're too busy moving forward to actually look backwards to see where the rest of your people are at.Stuart Webb 5:35 I think the other thing that those sort of things help most CEOs do is the fact that they're fairly sure that they were very clear in their last communication of what the direction is. And so only when you get that feedback to say, wait a minute, where did they get that idea from? Or Good grief? That was That was eight months ago, when When did when did I not update everybody on the fact that eight months ago is beyond? Beyond the history of this, there's this organisation that that's when you begin to realise that actually communication is a very long process. Sometimes there's no,Anthony Taylor 6:03 yeah, it's, well, it's, you only control half of the communication, the receiver controls the other half. But one of the challenges that CEOs have, it's sort of the bane of their work is that their job is to be visionary, and to be ahead of their people, so they can lead them. But if you're too far ahead of your people, your your team will actually regress, because there's too much of a gap. So you have to maintain a healthy distance between you and your team, but also not take for granted the fact that your brain is a couple steps ahead. And you think what you're saying is very clear, but everybody else wasn't privy to your thoughts. Like surprisingly, they can't read your mind. And then that's when the gaps that's when the frustration that's when the uncertainty happens, and it plagues leaders everywhere.Stuart Webb 6:47 Brilliant Santini that sort of really brings me to my fourth question. So is there a particular concept or book or programme that's affected you and you've used as a source of inspiration that you'd like to leave as inspiration for the people listening and watching at the moment? Yeah,Anthony Taylor 7:02 I mean, there's so many great books. So for me to choose one is a challenge. I really like so I'm gonna say from good to great. That's probably the best book about like thinking about that. But I'll say the caveat that that book is just awesome. And it really gets you that understanding. But I think for me, it's the complement of the sub skills, a complete approach, dare I say, I'm trying to, you know, put as many plugs in there as possible. But because you got to understand the people, you got to understand where they're thinking, you got to understand the culture, you got to understand change management at that level. So if all you have is, and I'm going to say like, there's a book called Scaling Up, great book, but if all you have is the tool to lead the strategy, you miss the people part. And the people part is really what's going to make the biggest difference, because I can give you a strategic planning template, which you can get from a website for free. But if you don't know how to engage your people to move forward, you're going to have more challenges.Stuart Webb 8:07 Brilliant. So look, this has been a great discussion, Anthony. And I guess there's one question that you're currently thinking, I wish you'd asked me this one. So I'm going to give you the free the free pass here. What's the question? I should have asked you that I haven't. Yeah. And don't don't leave us in suspense, answer the question as well.Anthony Taylor 8:22 Well, you know, I would say, where do people where do people fail? Doing? This is probably the biggest question. And I kind of alluded to the people side. But I think the biggest thing, the biggest failure and the question you didn't ask, it's where people fail? And the answer is that they're too damn busy to do the work. And the best way I've heard this explain, was the time irony of the urgent is that CEOs and leaders will spend so much time dealing with what's on fire, that they don't take the time to step back and look at root cause or look at systems or look at process and, and they react. And so you know, what we do we facilitate strategic planning sessions for organisations, we do those two, three day off sites, but it allows you to pause, step back and actually look at the system because you're not going to fix the problem using the same approach that got you to the problem in the first place.Stuart Webb 9:19 I think I think that is absolutely brilliant. I love what you're talking about. I think it is so important. So many organisations fail to understand the need to engage and fail to understand that the curve that you know, the communication is, is passing through the organisation. I think a lot of what you're talking about is so valuable. I really appreciate you having conversation with us. Listen, if you want to get on to watching these live so that you can ask questions of people like Anthony when they come on and talk about this. Please subscribe at TC a dot FYI, forward slash subscribe over to the HTTPS thing, but it's TTA dot FYI, forward slash subscribe. Get onto the mailing list so that you can get an A notification that we got people are going to be coming on. He's going to give some brilliant advice like this. Anthony, thank you so much for just spending a few minutes with us. I know you're off to go and do something really very much more important than this. Now you're going off to watch a soccer game, which I think is gonna be so much more important than that, than there. So really, thank you very much for taking a few minutes out of your day and spending a few minutes with us. Let's never get onto this website, get onto Anthony's SMA strategy dotnet website because there is some really valuable stuff there. I really highly recommend you get on and have a look at some of that. Some of those strategic planning frameworks that he's been talking about. Really great stuff. Anthony, thank you so much for spending a few minutes with us. Really appreciate it. I look forward to watching some of this stuff. Developing the real into into some of the businesses I know you're gonna help.Anthony Taylor 10:46 My pleasure, sir. Thanks for having me and folks, your audience watchingStuart Webb 10:49 No problem. Thank you Get full access to It's Not Rocket Science! at thecompleteapproach.substack.com/subscribe
Many people do not enjoy the process of thinking through what happens to their assets after they pass away. But the decisions to be made are a crucial part of estate planning. Life can be complicated, and there are many advantages to having a trust in place. But the jargon surrounding trusts can be overwhelming. How can you determine which trust is right for your particular situation?In this episode, Mark talks with Austin Jarvis. Austin is a director of estate, trust, and high-net-worth tax advice at the Schwab Center for Financial Research. He's worked as an advanced-planning attorney and in the estate and gift tax section of the Internal Revenue Service.They discuss how a variety of different trusts work, including the SLAT, ILIT, special-needs trust, credit shelter trust, and the most common type—the revocable living trust.You can learn more about choice overload on the “Spoiled for Choice” episode of Choiceology with Katy Milkman.Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. If you enjoy the show, please leave us a rating or review on Apple Podcasts. Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner, estate attorney, or investment manager.Always consult with your legal counsel and tax advisors about your particular circumstances.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Charles Schwab & Co., Inc. ("Schwab") is affiliated with Charles Schwab Trust Company (CSTC), the corporate trustee for Schwab Personal Trust Services (SPTS). Schwab may introduce clients to CSTC but does not evaluate whether SPTS is appropriate for each client or recommend SPTS for any particular client. It is the client's responsibility to ensure that CSTC meets his or her trust needs and to conduct any due diligence that may be required before engaging CSTC.Schwab and Schwab Private Client Investment Advisory, Inc., a registered investment advisor and affiliate of Schwab, both earn compensation from CSTC for service provided in connection with SPTS. CSTC may invest trust assets in a wrap fee program or make use of investment advisory services, which are sponsored by Schwab and/or in which Schwab affiliates provide discretionary and non-discretionary investment recommendations. Schwab and its affiliates earn compensation for assets selected or recommended by Schwab-affiliated advisors, including management fees for Schwab affiliate mutual funds and shareholder servicing fees for mutual funds that participate in the Schwab Mutual Fund OneSource® service.Schwab Financial Consultants who introduce you to CSTC will receive compensation if you choose to use SPTS. CSTC receives fees in connection with the administrative trust services or the investment management services as permitted pursuant to the terms of the trust instruments.In selecting a trust service, you should consider whether to combine trust administrative services with trust investment management services and whom to select as a trustee. Third-parties may offer similar trust administrative or trust investment management services, or both, at different costs. (1221-1DWT)
Many people do not enjoy the process of thinking through what happens to their assets after they pass away. But the decisions to be made are a crucial part of estate planning. Life can be complicated, and there are many advantages to having a trust in place. But the jargon surrounding trusts can be overwhelming. How can you determine which trust is right for your particular situation?In this episode, Mark talks with Austin Jarvis. Austin is a director of estate, trust, and high-net-worth tax advice at the Schwab Center for Financial Research. He's worked as an advanced-planning attorney and in the estate and gift tax section of the Internal Revenue Service.They discuss how a variety of different trusts work, including the SLAT, ILIT, special-needs trust, credit shelter trust, and the most common type—the revocable living trust.You can learn more about choice overload on the “Spoiled for Choice” episode of Choiceology with Katy Milkman.Subscribe to Financial Decoder for free on Apple Podcasts or wherever you listen.Financial Decoder is an original podcast from Charles Schwab. If you enjoy the show, please leave us a rating or review on Apple Podcasts. Important DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner, estate attorney, or investment manager.Always consult with your legal counsel and tax advisors about your particular circumstances.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Charles Schwab & Co., Inc. ("Schwab") is affiliated with Charles Schwab Trust Company (CSTC), the corporate trustee for Schwab Personal Trust Services (SPTS). Schwab may introduce clients to CSTC but does not evaluate whether SPTS is appropriate for each client or recommend SPTS for any particular client. It is the client's responsibility to ensure that CSTC meets his or her trust needs and to conduct any due diligence that may be required before engaging CSTC.Schwab and Schwab Private Client Investment Advisory, Inc., a registered investment advisor and affiliate of Schwab, both earn compensation from CSTC for service provided in connection with SPTS. CSTC may invest trust assets in a wrap fee program or make use of investment advisory services, which are sponsored by Schwab and/or in which Schwab affiliates provide discretionary and non-discretionary investment recommendations. Schwab and its affiliates earn compensation for assets selected or recommended by Schwab-affiliated advisors, including management fees for Schwab affiliate mutual funds and shareholder servicing fees for mutual funds that participate in the Schwab Mutual Fund OneSource® service.Schwab Financial Consultants who introduce you to CSTC will receive compensation if you choose to use SPTS. CSTC receives fees in connection with the administrative trust services or the investment management services as permitted pursuant to the terms of the trust instruments.In selecting a trust service, you should consider whether to combine trust administrative services with trust investment management services and whom to select as a trustee. Third-parties may offer similar trust administrative or trust investment management services, or both, at different costs. (1221-1DWT)
Our intrepid podcasters continue their journey through recapping the entire first seasons of The Original Series, but a surprise guest forces the SPTS crew to reckon with the dangers of living aboard the Enterprise and vows to make them pay.
As the SPTS crew complains about an abusive relationship between a Star Fleet historian and a 200-year-old tyrant, Kirk tries to wrestle back control of his beloved Enterprise from the genetic ubermensch, Khan Noonien Singh. KKKKHHHANANANN!!!!
GRADitude: The Grad School Guide for Student Physical Therapists
Welcome back to the GRADitude advice series! This series highlights the advice previous guests have given during their amazing episodes (which just so happen to be listed below!) for current and future SPTs. Part 5 focuses on episodes that were all about money, marketable skills, and debt because these topics are always on the minds of SPTs. Even more, this episode was inspired by the recent SSHC Live event hosted by Greg Todd, so who better to start off the episode than Greg Todd who drops some truth like he always does. Part 5 is jam packed with hard hitting advice for how to take control over your money, your loans, and your skills that make you stand out. But the fun does not stop there! This episode only contains a few minutes of each episode, so go back to each episode to hear everything they have to say! You will not regret it because you will learn so much! The guests and the corresponding episodes are listed below in order of appearance: - Greg Todd; Ep 10: Non-traditional Networking Success - Joe Reinke; Ep 4: Handling Student Loans (w/ CEO of Fitbux Joe Reinke) - Will Boyd and Alex Engar; Ep 37: How to Make Money While Bored in Class (Healthy Funnel) - Jasmine Williams; Ep 61: Leveraging Social Media as a Student - Joey Albritton; Ep 157: How to Pay Cash for Your Next Semester of PT School - Melody; Ep 191: Leveraging Your Skills - Yoga, Massage Therapy, and SPT - Jared, Tyler, & Trace; Ep 189: Starting a Podcast Team During PT School - Rob; Ep 185: Building a Personalized Plan to Pay Off Student Debt (Student Loan Planner) - Megan and Ciera Stitz; Ep 179: Leveraging Your Skills- Youtube and Podcast - Emma Shapiro; Ep 177: Debt Free Physical Therapist Want to join the SPT Secret Society? Click here: https://graditude.mykajabi.com/spt-secret-society Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 --- Support this podcast: https://anchor.fm/graditude/support
Welcome to the Today is the Day Changemakers Podcast, episode 21, 'Preventing Youth Suicide' with Dawn Doherty, Executive Director from the Society for the Prevention of Teen Suicide.Our conversation starts with Dawn sharing information about her background and where she thought her career path was heading after college. She did not envision that she was going to be working or leading a non-profit organization. She had internships on Wall Street and thought she would be working in the for profit world, but we learn that where we start is truly only part of our journey. Dawn says, "The universe always puts you in the place where you are supposed to be."Dawn validates the concept that not-for-profit organizations should be characterized as for impact organizations. "We need to be profitable in order to keep the doors open. The work we are doing is for impact and recognizing that not for-profit is a tax status." Listen in for more information on this concept.The Society for the Prevention of Teen Suicide was founded by two fathers who were friends who each lost a child to suicide. They fostered their devastation by creating something positive for the community. That was 16 years ago. Their focus was on increasing the awareness, educating the community, and decreasing the stigma around teen suicide, and mental illness. SPTS believes in building caring, compassionate communities that helps support kids The Society for the Prevention of Teen Suicide developed a free online training for school teachers to help they better understand the warning signs and connect students that need additional support from other resources. The organization has trained over 550,000 educators across the country. The focus on schools has been because children spend long periods of times in school during non-pandemic times. The organization also recognizes the need to speak to parents, community members like coaches and faith based leaders to ensure a strong foundation of support around our kids. There are additional programs that SPTS holds to have open discussion around the topic of stress management and suicide prevention for teens. You can find out more on their website. We need to remember that kids are not looking for judgement or our personal experiences to connect to. They want to be heard and supported where they are in their own struggle. During the pandemic, Society for the Prevention created an online free learning experience for school communities called Navigating Back to School - a trauma informed care online learning experience. Dawn says, "check in on people." We need to ask how people are doing and make sure they feel supported or feel comfortable and safe to ask for support. There is help out there for everyone. Listen in to hear more about the warning signs your teen or pre-teen may be exhibiting that may mean they are in need of additional support. Help is available:Second Floor Youth Helpline - text 1-888-222-2228Crisis Text Line outside of NJ: 741741For more resources for teens, parents, and teachers: https://sptsusa.org For online training go to: https://sptsuniversity.org. Facebook & Instagram: @sptsusaListen in to hear Dawn's response to the question, if I knew then what I know now? Thank you to Dawn Doherty for being a guest. As Dawn says, "we are 100% stronger together."On the next Podcast episode, I welcome my guest Jason Spiewak, Founder & CEO, JLS Artist Management and Noble Steed Music. We discuss the music industry and Jason's journey to managing talent and producing music. You will also hear the incredible work Jason does through the Music is Love Exchange. Have a great week everyone!
As Star Fleet ignores all of Kirk's past crimes he committed on previous episodes, our handsome host's future on this podcast is held in the balance as Cory puts Clint on trail. Also, the SPTS crew connects with their inner drag queen.
A special Hollywood guest joins the SPTS crew for this Captain's Log. Emily and Clint engage in another round of speculative science fiction as they pitch their own Star Trek TV show ideas.
As the Enterprise crew travels back in time, the SPTS crew notices the sexual tension between Kirk and the dashing fighter pilot, Captain John Christopher. Also, we have another ShatChat! Happy 90th Birthday to William Shatner!
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode of GRADitude, we chat with fellow SPT, Sean Vo. We dive into what mental health really means for us as SPTs, especially during the pandemic. Sean also shares about his own journeys outside of the classroom with podcasting, mixing music, and more. It can be easy to go through PT school and never celebrate the small wins, because the grind feels constant- but this episode will really get you to be proud of yourself and believe in your dreams again. Check out Sean's IG here: @sean_vo_ and his email here: seanvo.972@gmail.com Want to join the SPT Secret Society? Click here: https://graditude.mykajabi.com/spt-secret-society Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 Click here to join our weekly newsletter: https://graditude.mykajabi.com/home Join in the SPT Network FB group here to see us go live for weekly episodes AND interact with us and fellow SPTs around the world: https://www.facebook.com/groups/studentphysicaltherapynetwork --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
Happy Sunday! In this episode of GRADitude, Sarah and Gabby talk about the tips, tricks, and struggles of signing up to take the NPTE. They will take you through the process and give you advice on how to make it less stressful by avoiding the problems they have already faced. Tune in to hear this important information! Want to join the SPT Secret Society? Click here: https://graditude.mykajabi.com/spt-secret-society Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 Click here to join our weekly newsletter: https://graditude.mykajabi.com/home Join in the SPT Network FB group here to see us go live weekly for these episodes AND interact with us and fellow SPTs around the world: https://www.facebook.com/groups/studentphysicaltherapynetwork --- Support this podcast: https://anchor.fm/graditude/support
As Captain Kirk plays amateur chemist while being hunted by a super slow lizard man (AKA a Gorn), the SPTS crew is unimpressed with the death match created for our entertainment. We discuss the ethics of space colonization, and Gorn-Human diplomacy. Also, the SPTS radio players give us a steamy look inside the lives of Spock, McCoy and Kirk.
(The Corbomite Maneuver, TOS, S01 E11) As Kirk bluffs an alien with a superior ship, the SPTS crew yawns at an episode that is mostly just talking. Who wants to listen to a bunch of people just talk... oh wait, never mind, this episode is great!
(What Are Little Girls Made Of?, TOS, S01 E08) As Kirk navigates a world of lies and Androids, the SPTS crew discusses the merits of 60's television and whether it was actually any good.
(Mudd's Women, TOS, S01 E07) As Harvey Mudd transports three women desperately seeking husbands, the SPTS crew wishes for quick death or a shorter episode length, whichever comes first!
In this episode of Set Podcast To Stun, we review "Charlie X" as we meet Charlie, a castaway 17 year old with psychic powers who the SPTS crew immediately dislikes.
In this week's episode of OTC, Paul and Karl take it back home to physical therapy by talking with healthcare entrepreneur Dr. Lesly Devoliere. He starts his story explaining his early passion for physical therapy, his experience on mentorship, and three book recommendations for every SPT. He doesn't shy away from his hardships during PT school and gives his best advice for SPTs to keep in mind when they hit their lowest points. This episode is packed with an array of emotions from inspiration, sadness, anger, perseverance, and hope. Click play to learn more, friends! More of Dr. Devoliere resources: IG: @drdevoliere Twitter: @drdevoliere Linked In: Lesly Devoliere Jr. E-mail: ldevolierejr@gmail.com
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat with Dr. Francisco Maia, Physical Therapist and owner of TheK9PT. Fran discusses starting as an outpatient PT before he even knew that animal PT was an option, and how he got his canine rehabilitation certification and what the classes were like. He shares how he started his own business and what a typical canine PT session looks. So what does documentation for animals even entail in comparison to humans? We chat about that, too! Fran talks about his favorite population to work with and how his business has adapted during COVID. He gives recommendations for daily canine activity and talks about strengthening exercises for canines. We wrap up the episode with advice for SPTs whether you are looking to go into canine PT or not. Instagram: @TheK9PT www.thek9pt.com --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In today's episode, Gabby and Sarah what COVID-19 means for SPTs. As SPT's we are having to deal with a transition to online classes so we don't prolong the spread of this virus. Schools are becoming more adaptable to the situation so that we can continue with our daily lives as students. There are some positives take aways that Gabby and Sarah discuss. They explain that we can take a step back to utilize self-care and do schoolwork at our own pace. We don't know how long this situation is going to go on for but at the end of the day we all just need remember to remain calm, take care of ourselves, and be cautious. Tune in to hear more about this topic! Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 Support this podcast: https://anchor.fm/graditude/support --- Support this podcast: https://anchor.fm/graditude/support
In today's episode Will Boyd interviews Gabby Mace and Sarah Falbo of the GRADitude Podcast. Both of these amazing young females are currently in Physical Therapy school and trying to help other SPTs through their journey. In this episode they discuss how Gabby and Sarah meet, how the podcast got started, a little bit about their personal journeys, and more! Tune in and listen!
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we discuss key excuses we all have which are related to money, energy, and time. We all go through these phases as students at one point or another, and its okay. But in the end, we all need to follow through and do the things that are important. We chose to be SPTs, we can get through it and we can do it together. Tune in to hear Sarah and Gabby's stories of excuses they have gone through and currently go through to this day! Apply for the SPT Navigation System Here: https://graditude.mykajabi.com/how-to-become-a-confident-debt-free-spt Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 --- Support this podcast: https://anchor.fm/graditude/support --- Support this podcast: https://anchor.fm/graditude/support
On this episode of the Healthy, Wealthy and Smart Podcast, I welcome Joseph Reinke on the show to discuss student loan debt solutions. Joseph Reinke is the CEO and founder of FitBUX, Inc which is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapists. In this episode, we discuss: -How family, work and financial goals effect your loan repayment options -Why refinancing public loans may not be an optimal strategy -Practical examples of loan forgiveness strategies -The personal and societal importance of financial literacy -And so much more! Resources: FitBUX Website FitBUX Courses A big thank you to Net Health for sponsoring this episode! Check out Optima’s Top Trends For Outpatient Therapy In 2020! For more information on Joe: Joseph Reinke is the CEO and founder of Fitbux, Inc. FitBUX is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapists. Thus far in FitBUX’s beta test, they have helped PTs develop financial strategies on over $11mn in student loans. Joe has been in the finance industry for over a decade and is one of the few CFA Charterholders in the world who has experience in both wealth management and business valuation (globally, there are only 120,000 CFA Charterholders). He has hosted numerous live chats about student loans with SPTs across the country, presented at the California Student Conclave, appeared on podcasts, and written numerous financial blogs. Read the full transcript below: Karen Litzy: 00:01 Hey Joe, welcome back to the podcast. I am happy to have you back. Joe Reinke: 00:07 Glad to be here. It's been a few years. I know that we see each other at different conclaves and different events and stuff, but it's been a few years since I've been on the podcast. Karen Litzy: 00:16 It has. I know, I'm happy to have you. And, we'll talk a little bit about what a difference a couple of years make in a second. But the first thing I want to get to is student loans. So let's talk about first, cause I know you have a lot of data on this. You have a huge data set within fit box. So what is the average debt? And we'll stick with physical therapists. We don't have to go across the board, but the average debt for physical therapists loan debt. Joe Reinke: 00:45 Yeah. So PTs or student loan debt. So we now have about 7,400 students and our platform, it comes out to about $900 million of student loan debt. The average is about $144,000 for PTs. We have some other graduate students that we also work with too. Before PTs, it's about $144,000 in debt. And like you just said too, it's like a moral, I know when we first came on the podcast years ago, we had like $30 million or something like that on the platform. And when I tell people we have like 850 $900 million down there, like, you know, congratulations like you know all the growth that you've had. And I look at it, I'm like, that's disgusting. Like the fact that there's graduates and it's like, okay, $900 million of debt, that must be a lot of people. It's like, no, that's only 7,400 people. Karen Litzy: 01:35 Yeah, it's criminal, it's criminal. So let's say you've got 900 million in loans, the average of $144,000 which is mind blowing. So what are the options for these students coming out to help repay that loan? Joe Reinke: 01:54 And the first challenge is trying to figure out how these things even play a role in the bigger picture. But then the government doesn't do us any favors. So right now there's nine different student loan repayment options and it's a minefield trying to figure out which one you should use. How does it play a role? Like what happens if I do this? What happens to my retirement, what happens to family planning? Can I get a mortgage? All these different things. And instead of just being like, okay, I'll pay back my loans, here's the answer. You've got gotta dig through all these things and that's where people get lost. So what we've done is simplify that into two strategies. Either you’re going to pay off your loans, or B, you're going to go on some type of loan forgiveness strategies. And the pay off loans is really dominated by the headlines of refinancing because that's what we get bombarded by in terms of advertisements. Karen Litzy: 02:38 And what exactly does that mean when someone says they're going to refinance? Joe Reinke: 02:43 Yeah. So refinancing means you go to a brand new lender and they offer you a brand new rate and a brand new loan and you're literally replacing your old loans with a brand new loan to get a lower interest rate. Okay, so like I know PTs they get bombarded by low road, which is one of our partners, but they get bombarded by a low road because a low road has a partnership with a PTA. So they just get bombarded. So we get everybody, everybody comes to us and like, well, I'm thinking about refinancing. I was like, well, why? It's like, well, I've got these things. That's what I see in my mailbox. And on the other side of that, they hear all these headline news articles about loan forgiveness and public service loan forgiveness and whatnot. So those two things dominate the headlines. But really it's even upload from that is either you're going to do a payoff strategy or loan forgiveness strategy. Joe Reinke: 03:34 And what I mean by a payoff strategy is what we typically think about when we get a loan. Like you get a mortgage or a car loan, you make payments over a certain amount of time after that, it's over. You could do different things to be strategic with that. Like instead of doing a 10 year plan, you can do a 25 year plan. So you can make prepayment strategically and save money. You can do refinancing, you can see if refinancing is right for you. And those are the big things with the payoff strategies is just figuring out what's the most effecient way to make my payments. Now, unfortunately, one of the problems is that the loan servicers don't always apply your prepayments correctly, so you got to stay on them and make sure they're doing the right thing. But that's, that's a whole nother topic on that. Karen Litzy: So quick question. When you say making prepayments, can you define what that is? Joe Reinke: 04:16 Yeah. So when you have a payoff strategy so most of us on average, so like when a DPT graduates, they actually have between 10 and 20 loans. So when I say $144,000 in debt, it's not just one loan, it's like 10 to 20 loans. They're all different sizes, they're all different interest rates. And so what a required payment is the payments. They add up every payment on those loans and then say here's your required payments. So they might say it's $1,000 a month. So on that required payment, you don't have any say on that. You have to make that payment every single month. And then you don't have a say where it goes. They just throw it across all your loans equally. Okay. A prepayment is like the complete opposite. Joe Reinke: 05:06 You have a hundred percent control of it, meaning you determine the dollar amount, you determine when you do it, but most importantly you can determine which loan that you want to go towards. So like if you wanted to pay your higher interest rate loans faster because that would save you the most money, you can do that. So the trick with payoff strategies is just knowing that general idea of the difference between a repayment, a PR, a required payment. And a prepayment is, well, how can I drop my required payment so I can increase my prepayment? Right? And so that's a lot of the tricks that we go through and mix and match the different plans to allow people to do that. And then you throw a refinancing on top of that and you can save even more. So that's really the payoff strategies. Karen Litzy: 05:58 Yeah, it would seem to me that everyone should refinance to a lower percentage but like why wouldn't someone do that? Joe Reinke: 06:03 It really depends. I'll give you a few examples. We might work with a travel PT for example, and with travel PTs. First of all it's harder because of the stipend. This is for OTs and nurses as well. It's a stipend, so it's actually hard to get qualified because they don't qualify that as income. So like we have nine lending partners, only three of them will do travelers first of all. So that makes it a little bit harder. But in that situation you're traveling so you don't know the cost of living when you're moving from place to place. You don't know how long it's going to be between contracts and you don't know, most importantly what your income's going to be when you stop traveling. So it's really hard to lock yourself into a refinance loan, even though you can always refinance again later, you might not qualify later to refinance. Joe Reinke: 06:54 So oftentimes we do do refinancing with that, those types of individuals, but it's more strategic. So instead of doing like a 10 year loan, we might do a 20 year loan and instead of doing all their federal loan debt and refinancing, it might only be three or four of their higher interest rate loans. So just in case there's something there that they can't do they're not obligated to this huge monster payment every single month. So that's one example. Another example we see often times is, I'll give you an example. I just actually talked to somebody today. She had about $210,000 in student loan debt and she's paying it off. Mmm. And my thing was the tail are like, look, you know, slow down. Because when you do your budget and you're doing paper and pencil, all the numbers always looked like they make sense. But this individual just started working. Joe Reinke: 07:49 They've never had a budget in their life. They've never had like real expenses in their life. It's like wait three or four months because you might decide that you can't make those payments. You rather do a loan forgiveness strategy and if you refinance, you can't do a loan forgiveness strategy anymore because private loans don't qualify for loan forgiveness strategies anymore. So just different situations will dictate. Does it make sense? And then sometimes the refinance rates are just not that good. So it just doesn't matter. Yeah, exactly. It's like stay there and just chip away at your loans. And I'll give you one more example, Karen. When you refinance, you also consolidate your loans. What that means is you merge your loans into one big, big, big loan. Karen Litzy: 08:37 Got it. So for instance, if you took a loan from a bank or a federal loan or whatever, when you refinance did, so let's say you have a federal loan, does that federal loan is no longer a federal loan, it becomes a private loan. Joe Reinke: 08:54 That is correct. And instead of having like 10 you might only have one big, big, big loan. So sometimes what happens, you have to understand how federal loans work though too. Like I said earlier, you have 10 to 20 loans, so every time you pay off one of those loans, your required payment actually drops. With the refinance loan, it won't drop because you have one monster loan, you never pay it off until the whole balance is zero. So sometimes people come to us and say, look, what am I goals is to buy a house in five years? And so if that's the case, we might turn around and say, okay, we'll stick in your federal loan. Because if you keep making prepayments and you pay these specific loans off, your required payment would go from $1,000 down to like $500 when you want to buy your house. Joe Reinke: 09:37 Why is that a big deal? They use the required payment in the ratios for qualifying for a mortgage. So a lower lower required payment on your student loans, the easier it is to qualify for a mortgage. So that's some of the analysis that we would do to say, okay, well how much does a refi actually save you versus are you better off just trying to drop your monthly payment over time so you can qualify for your number one goal buying a house? And so that's what I meant earlier when I said these things. It is more than just the student loan strategy. Karen Litzy: You've got to look at how does this thing play a role in the bigger overarching strategy, right? Because oftentimes I would think the student loan debt isn't the only debt. So can you explain how maybe you have to work around other debt as well and how to navigate all of that? Joe Reinke: 10:27 Yeah. And I'll give you an example. We just did a poll and we also took some of the data from our members as well. And it was something like 68% have more than one form of debt. So that could be cars, mortgages, credit cards. And again, another example, I just talked to somebody today, and actually we get this probably four or five times a week where somebody calls us to talk about their student loan debt and we noticed that they have credit card debt. Okay. And we're like, look, you want to do this strategically with your student loans to drop your required payment as low as you can and focus on paying off your credit card debt. And it's like, I didn't even think about that. It's like, yeah, credit card debt, socks, get all of that stuff like as fast as you can and use the flexibility of refrigerator loans. Joe Reinke: 11:10 That's another reason why you might not run a refinance is because the federal loans are more flexible. There's more options of what you can do. So if you have other debt, it may be allow you to pay that off faster. And that's why sometimes people go into the student loan forgiveness plans also in the short run is the drop that lower payment focus on something else and then go back to their student loan strategy and say, okay, now I'm going to go focus on that. What do I need to do to focus on my student loans now. Karen Litzy: Got it. So it's all part of a bigger plan. So let's talk about quickly the student loan forgiveness because that's been in the news lately. I feel like there's been rumblings of that. It may not exist anymore, Betsy Devoss may cut it or what's the story? Joe Reinke: 11:51 Yeah, so there's actually two different forms of forgiveness. Okay. And this is where people get confused. The actual repayment plan you're on is called an income driven repayment plan. And the government also says that these are things our student loan forgiveness plans. Long story short on these plans, your payment is based as a percentage of your income. And the payments really low is like 300 $400 a month. But for most of us, that means that we're not paying the interest that's being charged on loans, which means the balance of your loan Rose. And that actually will happen for about 20 or 25 years. And then under normal loan forgiveness at that 20 year Mark or your loans are forgiven, but you have to claim it as income and pay taxes on it. Joe Reinke: 12:44 So your balance of what you owe will grow because they just add the interest of your balance, just like in your differing interests cause you're not making payments. Happens in these plans. Okay. So then you worked for 10 years or 20 years or whatever, and then your loan is forgiven. So in these plans loan forgiveness, they last for 20 or 25 years. Department of education forgives them. Okay. However, in this country, it doesn't matter what type of loan it is, it can be an auto loan, a mortgage, student loan. If it's forgiven, you have to claim that as income. Yeah, so like let's just use that example. $144,000 is the average person on our platform. If, you're single for those full 20 years, just working, whatever it is, your loan balance might grow, does being worth $200,000 in 20 years? Joe Reinke: 13:44 So at that 20th year, the $200,000 is wiped out. You don't have to pay it anymore. But you have to claim that $200,000 as income, which means your ordinary income that you made that year. It's just here it is. You got to pay it. And so the goal on these plans is like the complete opposite. You're not trying to pay it off as fast as you can. You're trying to save for that tax liability as fast as you can. Cause like what we always tell people the number one risk on those plans, you don't know what the tax rate is going to be. That's right. It could be 35% it could be 80% it could be 60% now you also factor in like we just moved from California, so if you had $200,000 plus you made 120 grand because you're, you know, 20 years in as a PT in California and federal taxes, you're going to be in a 35 and 40% federal tax bracket. As of right now, plus a 12% tax bracket in California doubled on top of that. You should definitely move to Texas. Joe Reinke: 14:50 But that's a big thing there. So that's normal loan forgiveness. Now there's another form of loan forgiveness. And this is the part that's been dominating the headlines where if you're on one of these plans, but you work for a nonprofit hospital, a hospital, it could be a full time teaching job. I mean you can say I don't even want to be a PT, OT, whatever anymore and I want to go work at Goodwill full time. I mean it just has to be at a nonprofit full time. And if you're on one of these plans working full time and you make 120 payments, your loans are forgiven in 10 years cause that's 120 payments and you owe nothing in taxes. Okay. And so those have been dominating the news recently because there's been 110,000 people that applied and only about a thousand people have gotten it actually approved. Joe Reinke: 15:40 And people are like, Oh well that's less than 1% so that's like the big headline. You know, Loan forgiveness is failing. But when you actually dig into the numbers, over 90% of the people that have applied for that, it should never have even applied. Meaning, they don't even work in a nonprofit or they do work at a nonprofit, but they haven't worked for 10 years. Mmm. So they're finding the people for forgiveness and that they shouldn't even been filing it yet. And so that's where the news kind of distorts that stuff. But then at the same time, you have that percentage, two, three, 4% that is told the wrong thing by fed loan servicing. That's the company that, that does this. They're told the wrong monthly payments. They're told that their payments are qualifying even though they're not there. We're told that their employment qualified even though it's not. Joe Reinke: 16:26 And so that's where the mass confusion comes in on that. I'm actually shameless plug. We just rolled out a new technology that actually tracks all that for you to make sure if you're on public service loan forgiveness, you're actually doing everything you need to do to get it forgiven. And we rolled that out. We rolled that out specifically because of all the headline news of all this stuff. People getting this stuff forgiven. They have nowhere to go to get the answer. So it's like well we can build this pretty easily. And it took us about three months to ramp it up and build it and it's like here it is and we're actually going to release that. We just got done testing it. It's going to be out in about a week or two. So yeah I'm excited about, it's given me a lot of gray hairs and a lot of sleep aside. I'm excited for it. Karen Litzy: 17:07 Well I mean that's such a gift though. That's such a gift for people because there are a lot of physical therapists who work in hospital systems that would be considered nonprofits and so if they can just sign up for that and have something else, keep track of it for you. Like automation is so much easier in our lives. So this is a way to kind of automate your student loan forgiveness programs so that you don't have to keep track cause we've got a million other things that you have to keep track on. Because like you said before, you've got student loan debt, but then you may have credit card debt, you may have mortgage debt or you have a car loan. And so there's so much that kind of goes into this puzzle. I mean to say I did not realize that it was so, all this is so complicated because I graduated like in the stone age, you know, so I didn't really have all, I didn't have $144,000 in loans. Joe Reinke: 18:01 Yeah, I mean it's amazing. And, that's why the big thing that I'm excited about. So like the average person that's gotten their loans forgiven so far has basically saved $62,000 okay. That's a lot. We're rolling this plan out for $5 a month and when we roll it out for the full 10 years, we're just charging a one lump sum fee of $300 if you just want us to track it for all 10 years. And it's like, you know, and we did that cause it's like guys, yeah cause somebody has, some of the people that signed up to beta test it for us. They're like dude we pay like a thousand dollars a year for this. I'm like no, no, no, no, no, no. Like the technology doesn't cost us that much to run like this stuff needs to be out there because again it plays a role in a bigger picture and fast forward, we haven't really disclaim this to very many people cause I don't know when it's going to actually roll out but it's supposed to come out next year. Joe Reinke: 18:50 Like you said, all this stuff plays a role in the bigger picture. We're developing a technology where instead of just tracking the student loans, we track everything. Like, we help you set up the plan and as your 401k your retirement, your budget, your student loan plan, everything. And so to me, like when we say, Hey look, we're only charging, you know, $5 a month for this thing, it's making sure that it works. So when we roll out that bigger plan, it's like we got this piece checked off. We don't have to worry about it anymore. Cause again, I bring up those gray hairs. It gives me something else to worry about. Karen Litzy: 19:25 There's always something else to worry about. So just one little part of it. So now, so let's talk about something that you had mentioned before we went on the air and it's, people don't really understand money. Karen Litzy: 19:42 Tell me why you said that and tell me what people can do to better understand it. And on that note, we're going to take a quick break to hear from our sponsor and be right back. Karen Litzy: 19:57 This episode is brought to you by Optima, a net health company. Optima therapy for outpatient is a software solution enabling therapists and staff to do their jobs efficiently and accurately. Their software provides anytime, anywhere access to documentation, even while disconnected and workflows that streamline patient care and save valuable time. You can check out, optimize new on demand video to learn what's in store for outpatient therapy practices in 2020 with some of the biggest industry trends along with tips and best practices to successfully navigate these changes. Learn about these trends for the new year at go OptimaHCs.com/healthywealthy2020 Joe Reinke: 20:36 Yeah, so we have this big thing that like if you watch our courses that we released or go on the new website that we just released, we talk about our method and it's understand, plan, implement those like the big three things. You've got to understand, you've got to have a plan, you've got to have a way to implement that plan. And there's been a lot of chatter because it's political season and we've seen all the stuff about, Oh, this politician is gonna forgive X amount of student loan debt. And then another politician wants to one up and then say, well we're gonna forgive X amount and another politician wants to one up them and say we're going to forgive everything. And so it's like, well, you know, went up in each other to see who can get the most votes for this. And you know, I get the question all the time is what do you think about these policies? Joe Reinke: 21:18 And I just turn around and say to people, it doesn't really matter because they're missing the root of the problem. You can forgive all the student loan debt. But like I brought this statistic earlier, over 60% of the people on our platform have more than one form of debt is not just doing loan debt. And it's not like these things like money problems didn't exist before. Student loan debt. I mean just before this we had the mortgage crisis. Okay. Like before that we had savings crisis. We still have people savings crisis, like retirement savings. I mean we talked about baby boomers and stuff like baby boomers. Like it's something that I saw a report the other day that 65% of them don't have enough to last like more than five years. Karen Litzy: 21:58 Yeah. And they don't have student loans. And then isn't it true that the majority of Americans don't even have like a retirement plan or don't have that savings? Joe Reinke: 22:12 They don't have anything and that they're dependent on social security, which the social security was never meant to be a retirement plan. It's supposed to be a supplement to retirement. But for a lot of retirement age individuals, that is their retirement. And I'll give you even more. I discussed the statistic I was about to write an article about this. Is something like 43%. It's somewhere in the forties, I want to say the low forties. I've got to look at the article again. It's in the low forties, that the super, that percentage of people in this country don't have enough money in their bank account to cover a $400 expense. Okay. So when we sit there and we talk about, Oh, well, you know, if we just forgave student loans, the problems of the world would be over. Joe Reinke: 23:03 And it's like, well, no, no, no, no. You know, like, I give this example in a workshop all the time. I used to work a lot with athletes and statistically 60, the 70% go bankrupt within three years of being out of league that's in the NBA and NFL. Well, in those three years that they work and play football or basketball, they will make more money than the average American makes their entire working life span. Yep. They go bankrupt. Within three years, they had the complete opposite problem. They had all the money in the world and they still went bankrupt. So it goes back to that fundamental root of not understanding. And that's actually one of the reasons why, like we used to do, or actually we still, I shouldn't say used to, we do workshops. Oh, it's the last time I came on the podcast, like it was, I don't think we had any workshops before that. Joe Reinke: 23:55 And then we started doing them. I've done over 120 workshops at different DPT programs and conclaves different conferences. And that was one of the big things that like, everyone's like, we love his workshops. Well, where can we learn more? And it's like, how, how do you explain this? Understand, plan implementing? And I couldn't find anything. So I was like, well, we're just gonna roll out our own courses. So we rolled those out about two months ago kind of in a soft launch type of beta test. And the feedback that we've gotten off of them is fantastic. So that's like our new thing that we just rolled out was the courses. The next new thing is that that public service loan forgiveness solution and the next year is like the big solution that we're coming out with. So it's exciting. But yeah, those courses, it's fun to see people taking them and being like, Oh my God, like this stuff is, makes so much more sense now. And it's, it's actually simple. That's my big thing. Keep it simple. Don't make it complicated. So, that's the bigger thing when I see the student loan forgiveness hype and all these political things, like it doesn't matter what happens there. You got to get that understanding. You've got to develop your plan, you've got a whole way, have a way to implement it. Karen Litzy: 25:02 Yeah. And just so if people want to learn more about it, if you go to the fitbux website, it's under monies. Joe Reinke: 25:10 Yeah. That is cool. Yup. Karen Litzy: 25:13 What would you say in your opinion and in your work with people, what are maybe one or two fundamental misunderstandings about money that people have? Joe Reinke: 25:18 I don't even know. No, I will narrow it down. This is one of the big things and this how we start off our workshops now when we start explaining some of this stuff. So, you know, and this is about a minute or two explanation on this, but then when I was back in wealth management, I would ask people what are your goals? And I started bucking those into three main groups. They would basically say my family goals, I have my work goal and then financial security. And what I mean by like family is like, okay, I want to do this. I wanna be able to buy a house because I want to provide for my family, my daughter, whatever it is. My work, my work, I want to have my work, have a meaning on life and an impact. Joe Reinke: 26:07 People like I joke around with all the time. No, none of you went to school because you couldn't wait to have student loan debt. You went to school because you wanted to help people. That's what I mean by career goals or life goals. And then the third one was financial security. And when I started asking people, yeah, rank these, it was always in that order, family, their work and then financial security. But when I would ask him, where do you spend the most of your time? They'd be like, well, I spend about 90% of my time on financial security. I'm like, well, that doesn't make any sense. That's like your third goal. Like that. And then I would ask them, here's like, when you say a misconception, I would say, what is financial security? And they kept telling me a lot of money and I'm like, wait, wait a second. Joe Reinke: 26:47 I just gave you that example of NBA players and NFL players. Lottery winners are the same statistics. They all go bankrupt. They have all the money in the world and they can't manage it. I used to manage people money that had millions and they were financial train wrecks. I know guys on wall street that were making million dollar bonuses every year that are financial train wrecks, so that can't be the case. So then I started looking at it and saying, well, what is it? And that's where we came up with the understand plan implements. Like those things is you've got to have a simple understanding. I mean I give examples of people that I know that are, have been barbers for 40 years. I mean they have no college education, they have none of this stuff and they live in San Jose, California, the most expensive place in the country. Joe Reinke: 27:30 And they’re millionaires, like they had an understanding, a simple understanding of money. They had a simple plan, you know, and I joke around all the time about my dad. Like when I was 22 years old, like I come home from college thinking I'm like this big investment guru guy, right? Cause I'm a 22 year old punk kid and I'm just like, Oh I'm going to tell my dad. I'm like dad, you know, his strategy was always just, you know, he started a business when he's 18. Yesterday, he started, he bought it from my grandma and you're just put money in the bank and they would buy a piece of property and that's all he did. He never did the stock market anything. I'm like, dad, dad, dad, check this out. Like, if you would have done it, you know, in the stock market it would've been worth like $10 million. Joe Reinke: 28:09 And he's just like, I don't give a shit. Like I don't know anything about the stock market. All right. That was his plan. It was simple and it works for him. Great. And then you had a simple way of implementing it. That was a thing that really lacked Mmm. Is everybody that I knew that had an understanding it and had a simple plan, it would taking them hours to implement it because it would have to do their own Excel sheets or they had these files all over the place. I've got gotta do it all by hand, but they did that. But those are the three big things. And so actually that's why people always ask like what's the technology behind FITbux and why do we do this stuff for free? Like why do we actually have people call us? And if we walk through their plan for free because we say the understanding and part is free and then the technology that we're building, especially for next year is going to be the part that helps them implement it. So they have to spend hours and 90% of their time doing that and they can spend that time doing something else. You asked about the biggest misconception that is the biggest misconception is what is financial security? It's not having a lot of money. It's those three things. Understanding, planning and implementing. Karen Litzy: 29:13 And if someone, let's say someone were like me, so I don't have any student loan debt or credit card debt or any debt really. So if I wanted to use this technology, like does it apply to someone like me who's like, well, I don't have any debt, but I definitely want to try and buy an apartment in New York city, which we know is like not cheap. I mean, in all seriousness, to buy an apartment in New York city to get a decent apartment is $650,000. Yeah. And that's a lot of money. If I want to get an apartment with two bedrooms, it's like over a million dollars. Joe Reinke: 29:43 Yeah. I was going to sell our apartment in San Jose and they got appraised that $900,000. And instead I was like, I'm just going to rent it and it's like $3,000. And then like I tell people, so I moved to Texas cause really I wanted to have a backyard for my daughter. And we bought like, it's like 0.3 acres and it's almost a 4,000 square foot house. It was a way too ridiculous. Like I don't use half the house and it's just ridiculous. And it was like 300 grand but yeah they like the technology but really on the next year. Joe Reinke: 30:37 Yeah, definitely for people like you, it's actually for anything, and this is why so many people, we talk about the student loan stuff, but we already have a piece of the technology out to help people plan. And this actually leads to like the number two misconception that I would have to say when we sit down and people talk about budgeting. They used to always come to me and they still come to me and say, Hey Joe, I spend like $1,200 a month on my student loans. Is that a lot? And it's like I have no idea. Right? Because $1,200 for one person might be nothing for somebody else. Okay. And so what that means is when it comes to money, absolute numbers mean absolutely nothing. It all has to be relative. And the way we do that as percentages, so like when people sit down and look at their budget, they always look at absolute numbers. Joe Reinke: 31:23 So if you go onto these budgeting apps and all this stuff, it's all absolute numbers and it's like, Oh well I'm going to cut, stop drinking coffee, you know, and boil and make my own coffee. It's like, great, you save $2 you know, a day or $50 a month. Like that might be 0.04% of your budget, but you don't want to learn something about retirement savings and taxes. I can save you like 10% like learn the learn. And so when you start looking at percentages, you start seeing where you should focus your time on. And so that's number one thing. But the number two thing would that allows you to do is then we could sit there and say, look we break this down very easily here, right? So we say the first formula is income minus expenses equals discretionary income. With that discretionary income, you can then do two basic things. Joe Reinke: 32:09 You can either build assets or pay off debt and before you even decide what to do with that, we can upload it and say, okay, on average, a new grad PT for example, can take 30% of their gross income and put it to those two groups, assets or debt. You just got to figure out how you want to do that. And so if you have no student loan debt like yourself, Karen, you'd be like, okay, well can I do 30% can I do 35% can I do 40% once you figured that out, then it's, well, now what do I do? Do I do my 401K you know, do I have self-employed income? So can I do a SEP IRA? What about a Roth IRA? What about HSA? What about just brokerage accounts? Oh, well I also want to say for a down payment for the apartment, what do I need to start saving for that? Joe Reinke: 32:50 What do I prioritize first? And then that, so that's the part that we'll have the technology that we have built now what we're building for next year is where we can say once you say, okay, this percentage is going here, this percentage is going here, this percentage is going here, implement link all your accounts into the profile. And they would automatically track to make sure you're moving those percentages and that you're doing it correctly. And so yeah, right now we only help anybody with student loans. And then we track the student loan strategy to make sure they're doing it the efficient way. And then next year we're going to roll out the bigger piece of the technology. And that was part of the preview with the courses is the courses talk about all that stuff. And that was like the first phase of what we're launching for next year. Joe Reinke: 33:35 We just got the courses down early and we're like, let's get 'em out. Like people are asking for them. So happy to get those out. But yeah, next year if you want to sit down and talk, let me know. Karen Litzy: I think I might have, I'm thinking about a lot here. So is there anything else that we didn't cover that you're like, Oh, I definitely want to talk about this. I wanted to get this in. Joe Reinke: Like we've talked about the percentages. The reason why I'm so adamant on that is because then it makes life easy. And what I mean by that is if you say, look, I know 5% is going here, 10% is going to here, percent going there. Joe Reinke: 34:21 Well guess what? You get a raise every year, so all you have to do is calculate and say, okay, well no, I just have to increase how much I'm going into those, those different areas. It's automatic discipline. You don't have to think about it anymore. And not only that, but like if you get a bonus or a commission or a tax return. Yeah, you already know the percentages. Take this here, take this here, take this here, put it here, the rest I can go use on vacation. Hell have fun with it and you don't have to think about it anymore. Instead, I see a lot of people being like, Joe, I just got this $5,000 bonus. Like I'm stressing about, do I put it in my investments? Do I pay off my student loan debt? It's like, well, if he's had those percentages that you don't have to think about anymore, you already know what you're doing with it. Joe Reinke: 35:00 So that's, you know, one more like they played it was one last thing to add. That's one of the big things is those percentages I strongly recommended. It doesn't matter who you are, where you're at, if you have student loan debt or not. If you're saving for a wedding, saving for college, saving for you know, kids. By the way, if you do have kids and you're saving for college for them, don't do it. Save for your retirement first please. They can fund college other ways. But make sure you fund your own retirement first before you can fund your kids. That's one of the biggest mistakes I see parents make. They want to fund their, call it kids' college education and their retirement is lacking. It's like no on your retirement first on their stuff later. So those are the big takeaways. Karen Litzy: 35:42 Awesome. I mean, such good information. I really appreciate all of this. And now this question I been asking everyone lately who come on the podcast and it's given where you are now with your life, your business, what advice would you give to yourself as that 22 year old punk going home to his dad more than he does? Joe Reinke: 36:03 I wish I would draw my ego level way before. That was, I was an athlete at that time too. So you get once, yeah, once you stopped playing sports and reality starts hitting then and all of a sudden it's like Mmm, well not on this pedestal anymore. You get shot down a little bit. But no, actually at that time for me, my big thing was I grew up around, you know, the rule of finance because that's what my degree was and everything. I was around wall street guys. Joe Reinke: 36:41 I had a plan for money coming out of school, but it was simply just to make a lot of money. And you quickly find out that if your motivation is money, you're going to end up burning out. It doesn't matter what you do. If that could be going to take a certain PT job simply because it pays more because you need to pay off student loans. So I guarantee you, you didn't go to school for student loans. You went to school to be a PT. So if you're going for income and that's your only reason you're going to burn out. Okay. And like I said earlier, I've seen guys making half a million dollar bonuses on wall street that don't even work in finance anymore because they're so burned out off of it. And it took me a long time to realize that you're not money that shouldn’t motivate you. Joe Reinke: 37:28 It's whatever you're trying to accomplish, that it'd be building a technology that'd be treating patients. And if all you do is strive to be the best at building that, that certain thing or focusing on those first two goals, I talked about your family and your work and you're really focusing on those, that the monetary side will take care of itself in the long run. Like stuff will happen and take care of itself if that's what your main focus is. And like, I mean, fitbux is the living proof of that. I've said it from day one to our investors and everything. Don't ask me about revenue. Don't ask me about shiny objects. Like we talk about business owners all the time. It's one of the hardest things to do because you see so many opportunities out there. You're like, Oh, if I just do that, just a little shiny object, it's going to make me a couple extra thousand dollars, but it's going to be a distraction. Joe Reinke: 38:18 It is not part of your main thing. Now you're chasing money instead of being focused on why you are doing what you're doing. And so that was one of the big things that I had to learn was, you know, it's not about making a million dollars or $5 million or $10 million. It's focusing on what you love doing and the recipe, it will come true. I mean like Karen and you're, you're a perfect example of that. You love doing the podcast, you love getting out there doing that stuff and helping people and guess what you've been successful at doing it. You've been successful as your PT career, all that stuff falls in line. If you're focusing on the right things and money's not the right thing to focus on is the bigger picture. What does money actually represent to you? What does it mean to you? Why do you want it? Because you can have all the money in the world. Do you want it to do something? Focus on that. Do something first and then the money will come from that because you're going to be the best at what you do. Karen Litzy: 39:10 Great advice. I love it. And now where can people find more information about you? Contact you find more about Fitbux. Joe Reinke: 39:20 https://www.fitbux.com/ As the website. As you said with the courses, it's just underneath money school. If you drop down the header underneath solutions, there'll be money school on there. That talks about our courses. If you want to come on and, you already know for example, that you want to do the student loan forgiveness strategy and you just want to sign up for our $5 a month tracking solution. You just go into solutions and sign up. We have a payoff strategy. We also had the loan forgiveness strategy. If you want to go in and use our refinance service, it's free. All you got to do is build your profile and schedule a call. We'll walk through making sure that refinancing is right for you and then go shop nine lenders. And if you have no idea what you're doing Joe Reinke: 39:59 And don't feel ashamed, about 70% of the people that come on our platform don't have a clue where to even start. And that's statistically true cause we asked them have you looked at anything? And they say, I have no idea. And so we, that's all free too. We'll have you come on, you build your profile, we go through the payoff options, we go through the loan forgiveness options. And then depending on which one you feel more comfortable with, we'd go deeper and deeper into how to actually implement that strategy. I mean that's all free too. You just go to the website and click join now and sign up, schedule a call and we'll be talking soon. Karen Litzy: 40:30 Perfect. And just so if people aren't familiar, it's fitbux.com. So Joe, thank you so much for coming on. This was great info. I learned, I learned a lot. So thank you so much. Glad that we can teach and it's always fun and hopefully we'll see you at another conference or conclave or something soon and I'm sure talk more. And everyone, thanks so much for listening. Have a great, great couple of days and stay healthy, wealthy, and smart. Thanks for listening and subscribing to the podcast! Make sure to connect with me on twitter, instagram and facebook to stay updated on all of the latest! Show your support for the show by leaving a rating and review on Apple Podcasts!
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat about our beginnings, how this podcast started, how it's turned into a business and we've started a course to help SPTs navigate through PT school on their first try, debt-free! The SPT Navigation System: https://graditude.mykajabi.com/the-course Our shop: https://graditude-store.myshopify.com/ --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat with Greg Todd, the co-owner of Renewal Rehab, founder of Smart Success PT, business consultant and incredible mentor to hundreds of SPTs, PTs and more around the world. We start the episode off by reading some responses to one of our Instagram stories about how students are going to repay their DPT school debt and Greg offers his advice. He discusses the choices we all have to make and why they are so important. Instagram: @gregtoddpt Twitter: @GregToddPT https://www.gregtoddtv.com/ Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 Support this podcast: https://anchor.fm/graditude/support --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
Listen in to our live episode we did on Instagram to hear our beginnings and journey to where we are today. We went from hosting a podcast to becoming business partners and releasing the first course EVER that helps SPTs get through school on their FIRST try withOUT any debt! --- Support this podcast: https://anchor.fm/graditude/support
My guest on the Cold Star Project this time is the Director of Education and a partner at the Boston Career Institute, where they train sterile processing techs. I have been interested in the sterile processing field for some time as it exists at the intersection of the opportunities I enjoy most: compliance culture time-based critical mission (and hopefully) desire to be the best. That last is not always in evidence out there. Steve Yanovsky's insight to this world was fascinating to me. I have spoken with Steve before but we had not gotten to this level of detail. This conversation immediately got me started on looking for evidence of such culture mismatches elsewhere...and I suspect they are just about everywhere. I have certainly seen this kind of issue in the world of sales training: the VPs of Business Development have zero idea what the "boots on the ground" problems their front line salespeople are experiencing...they only care about their numbers. Especially if you are in the healthcare field this will be an eye-opener. I'd recommend it as alarming listening for anyone interested in the world and human affairs, though. You'll hear about how: Sterile Processing Departments (SPDs) could lose 70% of their workforce because they can't get their staff certified the Sterile Processing Tech (SPT) field is much bigger than equipment / setup / sterilization much discretion left to the tech, supervisor, etc. on carrying out of tasks SPTs can "get ahead" in hospital work environments the missing culture connection of the SPD directly to patient care in the operating room is causing training and delivery problems. Talk to Cold Star: https://coldstartech.com/bookcall
We talked to 2 SPTs about the Tri-State PT conference coming up on October 11-13th in Las Vegas! Juliette Dassinger and Shivani Suklikar break down what's going on in Vegas during the conference. Important links! Win your way into the conference here: https://contest.app.do/vegas Information about the PTDOS Shoe Drive: https://empower.betherippl.com/rippl-sneaker-bag30411326 Register for the conference:California: https://staging-cpta.site-ym.com/page/TRI-StatePTConferenceArizona: https://aptaaz.org/events/2019/10/12/default-calendar/2019-fall-tri-state-conferenceNevada: https://www.nvapta.org/event/tristateconference
We talked to 2 SPTs about the Tri-State PT conference coming up on October 11-13th in Las Vegas! Juliette Dassinger and Shivani Suklikar break down what's going on in Vegas during the conference. Important links! Win your way into the conference here: https://contest.app.do/vegas Information about the PTDOS Shoe Drive: https://empower.betherippl.com/rippl-sneaker-bag30411326 Register for the conference:California: https://staging-cpta.site-ym.com/page/TRI-StatePTConferenceArizona: https://aptaaz.org/events/2019/10/12/default-calendar/2019-fall-tri-state-conferenceNevada: https://www.nvapta.org/event/tristateconference
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat with Aaron Lebauer about his journey from being a massage therapist, to SPT, to opening up his own cash-based physical therapy clinic directly after finishing DPT school. Aaron talks about breaking through the barriers of being a new grad with big dreams, advice for SPTs, and more! FB page: https://www.facebook.com/AaronLeBauer/ IG: @aaronlebauer Podcast: The Cash PT Lunch Hour --> https://podcasts.apple.com/us/podcast/cashpt-lunch-hour-podcast-build-successful-physical/id1240257761 Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 --- Support this podcast: https://anchor.fm/graditude/support
On this episode of the Pre-PT Grind podcast, Josh Funk, physical therapist, founder, and CEO of Rehab2Perform shares his journey through and insights on the profession of physical therapy. In December of 2014, Josh opened up his first physical therapy clinic, Rehab2Perform. Since then, Rehab2Perform has expanded to three separate clinics across central Maryland. Josh shares about how he leveraged his experience as a Division I lacrosse athlete at THE Ohio State University as a Pre-PT. Josh also dives into what habits and traits make Pre-PTs strong applicants and SPTs strong future clinicians. Tune in to hear more! Follow Josh on Instagram at @drjoshfunk https://www.instagram.com/drjoshfunk/ Follow Rehab2PErofrm on Instagram at @rehab2perform https://www.instagram.com/rehab2perform/ If you have any questions, please contact us at contactpreptgrind.com. Send us your question in a voice message! https://anchor.fm/pre-pt-grind/message Follow us on Anchor! https://anchor.fm/pre-pt-grind Find us at www.preptgrind.com and enjoy this episode of the Pre-PT Grind Podcast!
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat with fellow SPT, Jade McFarland about her experience competing in NPC-Bikini division, how that has changed her PT school career and what she's been able to do during PT school because of her sponsor. We also talk about how her relationship with food has changed over time and advice for current SPTs. IG: @jadafox Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode Gabby and Sarah chat about their weekly summer semester updates, reflection on 1st semester, advice for SPTs, and more! Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat with Kyle Rice, host of the NPTE Clinical Files podcast, and NPTE prep coach. We talk about how he went from failing the MCAT five times to getting an 800/800 on the NPTE, all things you need to know about studying for the NPTE, advice for SPTs and more! http://nptecasefiles.libsyn.com/ Some sources to help you dominate the NPTE https://www.fsbpt.org/Free-Resources/NPTE-Candidate-Handbook/Sample-Questions the app PT365 https://scorebuilders.com/ https://therapyed.com/ Kyle's FB page: https://www.facebook.com/thepthustle/ Kyle's FB group: https://www.facebook.com/groups/thepthustle/ Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode, we chat with Dr. Javier Carlin about his journey to PT school, being a director of a PT clinic, what he's up to helping new grads, advice for SPTs and more! IG: @drjaviercarlin FB page: The New Grad PT Mentors FB group: New Grad PT Mentorship Go to Physiomemes.com and use this code for 20% off your next order: GRADITUDE20 Send a question via Anchor Voice Messages: https://anchor.fm/graditude/message --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode, Sarah interviews Gabby about her first year of physical therapy school. Gabby reflects back on her journey to PT school, her expectations of PT school, the realities of how things actually went, dealing with Imposter Syndrome, tips for SPTs, and more! GRADitude Scholarship Fund: https://www.gofundme.com/graditude-podcast-student-scholarship Get 20% your order at physiomemes.com with the code GRADITUDE20 --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat with Dr. Alicia Emerson, a professor at High Point University, about how she's developed the full time Pro Bono Clinic at HPU to be so holistic, having a food pantry and giving garden, along with being so culturally inclusive with Spanish students volunteering to be translators for patients to really fill a health desert. We talk about how to get involved in your own Pro Bono Clinics, advice for SPTs, and more! Email: aemerson1@highpoint.edu GRADitude Scholarship Fund: https://www.gofundme.com/graditude-podcast-student-scholarship --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat with David Bayliff, about his long journey to becoming a mobile physical therapist. His resilience through several years of rejections from PT schools, starting his own practice, finding a mentor, starting his own online courses, podcast and events to help other mobile PTs around the country step up their game. David has incredible advice for SPTs, and whether you want to start your own practice, become a mobile PT, or not-- you will get a lot out of this episode, because David drops some KNAHLEDGE! FB- https://www.facebook.com/groups/113576786080229/ IG- @bayliffintegratedwellness GRADitude Scholarship Fund: https://www.gofundme.com/graditude-podcast-student-scholarship --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we talk with Adam Mondak, DPT, who graduated from Andrews University in Michigan. Within a time span of about two months, he received his DPT, got married, and moved to Hawaii. Adam talks about his journey to Hawaii, his clinical experiences, what led him to HI, tips for SPTs, and more! IG: @amondak_dpt GRADitude Scholarship Fund: https://www.gofundme.com/graditude-podcast-student-scholarship --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode we chat with the co-founders of Physio Tutors, Andreas Heck and Kai Sigel, about how and why they started Physio Tutors during PT school, their experiences in PT school in Amsterdam, tips for current SPTs, and more! Check out their website here--> https://www.physiotutors.com/ All social media handles @physiotutors GRADitude Scholarship Fund: https://www.gofundme.com/graditude-podcast-student-scholarship --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
In this episode, we have a fellow SPT, Melba Madamba, talk about her experience being in a long distance relationship with someone in a residency while she's in PT school. We go into how they have made things work, and advice for SPTs on being in a relationship during PT school. Also, she talks about ThePhysioDuo briefly, who have a couples in health care page with tips for those doing long distance, and want to connect with others in health care. So check it out here--> https://www.facebook.com/thephysioduo/ Melba's IG: @melbamadamba GRADitude Scholarship Fund: https://www.gofundme.com/graditude-podcast-student-scholarship --- Support this podcast: https://anchor.fm/graditude/support
GRADitude: The Grad School Guide for Student Physical Therapists
Greg Todd, is the co-owner of Renewal Rehab, founder of Smart Success PT, business consultant and incredible mentor to hundreds of SPTs, PTs and more around the world. In this episode he talks about how his non-traditional education platform and networking has changed his life along with the lives of others. https://www.gregtoddtv.com/ --- Support this podcast: https://anchor.fm/graditude/support
On this episode of the Healthy Wealthy and Smart Podcast, Jenna Kantor and Katie Schmitt join me to discuss Fairytale PT. Jenna Kantor, SPT and Katie Schmitt, SPT, both physical therapy students from Columbia University, developed Fairytale PT, a movement-based musical program where children get to actively participate in shows based on popular fairytales. In this episode, we discuss: -The ambitious beginnings of Fairytale PT and the dedication of Jenna and Katie to their mission -How Fairytale PT incorporates therapeutic exercise into the choreography -Interprofessional collaboration with occupational therapy students -Jenna and Katie’s vision for Fairytale PT and how you can get involved -And so much more! Physical therapy schools without performance backgrounds can still participate in Fairytale PT. Jenna stresses, “It’s not about talent, it’s about enthusiasm.” Navigating the medical world as a pediatric patient can be scary and intimidating. Katie clarifies the challenge as, “How do we give these kids a break and how do we give these parents a little bit of a break and take them out of the beeping and the sounds and the doctors coming in and out and rushing around.” In a fun environment, Fairytale PT is able to achieve therapeutic goals as Jenna states, “The movements the kids are doing are extremely healthy for them.” For more information on Jenna: JENNA KANTOR (co-founder) is a bubbly and energetic girl who was born and raised in Petaluma, California. Growing up, she trained and performed ballet throughout the United States. After earning a BA in Dance and Drama at the University of California, Irvine, she worked professionally in musical theatre for 15+ years with tours, regional theatres, & overseas (www.jennakantor.com) until she found herself ready to move onto a new chapter in her life - a career in Physical Therapy. Jenna is currently in her 3rd year at Columbia University's Physical Therapy Program. She is also a co-founder of the podcast, "Physiotherapy Performance Perspectives," has an evidence-based monthly youtube series titled "Injury Prevention for Dancers," is a NY SSIG Co-Founder, NYPTA Student Conclave 2017 Development Team, works with the NYPTA Greater New York Legislative Task Force and is the NYPTA Public Policy Committee Student Liaison. Jenna aspires to be a physical therapist for amateur and professional performers to help ensure long, healthy careers. To learn more, please check out her website: www.jennafkantor.wixsite.com/jkpt For more information on Katie: I fell in love with Physical Therapy when I realized that with it, I could breathe on my own. My background is as an actor. I have done Shakespeare in New York, film and television in Los Angeles and ran a travel web series with my husband where, for five years, we went to every state and reviewed bed and breakfasts. It was when I challenged myself to run a mile, that I realized the more I work out and listen to my body the less I need medicine. I learned what it is like to breathe without inhalers, steroids or machines. Today I am an avid cyclist and third year student at Columbia University Medical Center working on my Doctorate in Physical Therapy. There is so much about PT that I love. My clinicals have been in outpatient orthopedics at Miccass Physical Therapy in New York and Imagine Physical Therapy in South Carolina and sub-acute rehab at The New Jewish Home. I have spent time with dancers and Broadway performers, on the inpatient TBI floor at Bellevue, observing at Memorial Sloan Kettering Cancer Center and with the outpatient cardiopulmonary PT team at Columbia University Medical Center. From all my experience to my husband's story of recovery from a car accident and coma when he was a teen, I have realized that PT affects many aspects of life. My goal is to help little kids learn how to breathe, help patients fight cancer and help dancers perform to their peak. Resources discussed on this show: Jenna Kantor Website Fairytale Physical Therapy Website Jenna Kantor Facebook Jenna Kantor Twitter Jenna Kantor Instagram Jenna Kantor LinkedIn Physiotherapy Performance Perspectives Katie Schmitt LinkedIn APTA Blog on Fairytale PT The 90 Day Year Thanks for listening and subscribing to the podcast! Make sure to connect with me on twitter, instagram and facebook to stay updated on all of the latest! Show your support for the show by leaving a rating and review on iTunes! Have a great week and stay Healthy Wealthy and Smart! Xo Karen
As a financial advisor, the student loan problem is a major issue when building financial plans. On this episode of The Resilient Advisor Podcast, Joseph Reinke, CFA of FitBUX shares his thoughts on solutions to this issue. Connect With Joseph Twitter: @Fitbuxofficial Facebook: @Fitbuxofficial Website: www.fitbux.com About Joseph Joseph Reinke is the CEO and founder of Fitbux, Inc. FitBUX is introducing innovative finance products and technology to the student lending industry. Joe has been in the finance industry for over a decade and is a CFA Charterholder. He has hosted numerous live chats about student loans with SPTs across the country, presented at the California Student Conclave, appeared on podcasts, and written numerous financial blogs. Tags: Jay Coulter, The Resilient Advisor, The Resilient Retirement
ENCORE PRESENTATION.... NO PHONE CALLS PLEASE!!! Lamont Banks, Cliff Stewart, and Lisa Stewart of the Colorado exoneration firm A Just Cause discuss what happens when the wheels of justice trample unbridled over the rights of innocent Americans. TEEN SUICIDE FACTS: In 2015, there were 5900 lives lost to a suicide of ages ranging from 10-24 years old. Suicide is now the 2nd leading cause of death for teens aging from 10-24 years old. Our Special Guest for tonight's show is Phyllis Alongi, a Licensed Professional Counselor, who has numerous years of counseling experience with children, adolescents, and adults in both Partial Care and Intensive outpatient settings. She is also a former educator with over 10 years of teaching experience and has a lot to share with AJC Radio on tonight's topic. A Just Cause is currently campaigning for "FreeTheIRP6," who are wrongly imprisoned in Florence, CO for a crime they didn't commit. Read full story: www.freetheirp6.org. For more information, about A Just Cause and to Donate to the IRP6 legal defense fund, visit www.a-justcause.com. Follow us on Twitter: @AJCRadio, @A_JustCause, @FreeTheeIRP6, @FreeeTheIRP6 and Like our Facebook Pages: https://www.facebook.com/AJustCauseCoast2Coast, https://www.facebook.com/AJustCauseCO, and https://www.facebook.com/FreetheIRP6 Thank you for your support!
I got a chance to deliver an Ignite talk at APTA's NSC in Portland and wow, was it an experience! I wanted to convey that while SPTs and SPTAs are focusing on Differential Diagnosis and Pathologies, they should also focus on their communication. The ability to communicate effectively can make a difference in your ability to reach patients. Bio: Jimmy McKay - Director Of Communications - Doctor of Physical Therapy at FOX Rehabilitation Director Of Communications FOX Rehabilitation Founder / Host PT Pintcast Arlington, Virginia Host of a Physical Therapy science based interview podcast. Talking with the smartest minds in PT, over a beer. Episodes released via iTunes & Google Play Member American Physical Therapy Association Physical Therapist Good Beginnings - Pediatric Physical Therapy Falls Church, Virginia Physical Therapist & Special Projects Coordinator Coach Holy Mackerels Swim Team Arlington, Virginia Coach a great group of 240+ kids. Ages 6-18 years old. Focused on fun, form and making great kids into great adults. Physical Therapist SPARK Physiotherapy LocationAlexandria, Virginia Graduate Assistant Marymount University Educate faculty and students on proper use of educational and professional computer software. Edit position Coach Coach Company NameThe Leukemia & Lymphoma Society Dates EmployedJan 2014 – May 2015 Location Arlington, Virginia Running coach for Team In Training athletes. Program Director Company NameCumulus Media Wilkes Barre, Pennsylvania Managed WBSX-FM on-air staff. Hosted 5 hour afternoon drive radio program. Program Director / Broadcaster Company NameCumulus Broadcasting Dates Employed2001 – 2011 Employment Duration10 yrs Scranton, Pennsylvania Area Music Director Cumulus Media Poughkeepsie, New York Assisted in the management of WRRV-FM. Hosted five hour midday radio program. Links @PTPintcast @mckayjr7 Related Content https://www.ptpintcast.com/2017/10/12/236-aunt-marys-story-elizabeth-kerrigan/ https://www.ptpintcast.com/about-pt-pintcast/ https://www.ptpintcast.com/2017/11/27/257-keaton-rey-hell-yeah/
Lamont Banks, Cliff Stewart, and Lisa Stewart of the Colorado exoneration firm A Just Cause discuss what happens when the wheels of justice trample unbridled over the rights of innocent Americans. TEEN SUICIDE FACTS: In 2015, there were 5900 lives lost to a suicide of ages ranging from 10-24 years old. Suicide is now the 2nd leading cause of death for teens aging from 10-24 years old. Our Special Guest for tonight's show is Phyllis Alongi, a Licensed Professional Counselor, who has numerous years of counseling experience with children, adolescents, and adults in both Partial Care and Intensive outpatient settings. She is also a former educator with over 10 years of teaching experience and has a lot to share with AJC Radio on tonight's topic. A Just Cause is currently campaigning for "FreeTheIRP6," who's wrongly imprisoned in Florence, CO for a crime they didn't commit. Read full story: www.freetheirp6.org. For more information, about A Just Cause and to Donate to the IRP6 legal defense fund, visit www.a-justcause.com. Follow us on Twitter: @AJCRadio, @A_JustCause, @FreeTheeIRP6, @FreeeTheIRP6 and Like our Facebook Pages: https://www.facebook.com/AJustCauseCoast2Coast, and https://www.facebook.com/AJustCauseCO, https://www.facebook.com/FreetheIRP6 Thank you for your support!
In this episode the Knowbodies host a relaxed and insightful episode with special guest Joe Reinke, CFA. Joe, the creator of www.fitbux.com, shares some incredibly important tips on how to tackle a budget. As so many young (and more experienced…) professionals learn the value of a dollar and plan for the big and small things in life, the frugal details of what makes financial sense can sometimes get lost or overlooked. We hope all our listeners find financial freedom. Adopting a healthy budgeting mindset can help pave that journey, and that’s exactly what Joe emphasizes in this episode. To learn more about Joe, his tremendously useful and EASY website, and to view the show notes, simply keep on reading below. Enjoy! Joseph Reinke is the CEO and founder of Fitbux, Inc. FitBUX is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapist. Joe has been in the finance industry for over a decade and is one of the few CFA Charterholders in the world who has experience in both wealth management and business valuation (globally, there are only 120,000 CFA Charterholders). He has hosted numerous live chats about student loans with SPTs across the country, presented at the California Student Conclave, appeared on podcasts, and written numerous financial blogs. Check out our initial podcast with Joe Reinke here! Show Notes Defining a budget and why we care The importance of mindset and behavior change to leverage time and money Quick tip to make a wedding cheaper Budget Formula 1: Income - expense = Discretionary income Budget Formula 2: Assets - debt = net worth. Take discretionary income and increase assists or decrease debt Defining the MODIFIABLE factors: assets; discretionary income; human capital The value of TIME is the MOST important budget component Improving income is limitless, cutting expenses is limited How to find out how much your time is worth Leveraging human capital to optimize time Book shout out to Benjamin Graham “Intelligent Investor” Good habits make good health, a good mindset makes good money To learn more about Joe and how Fitbux can help you, please visit the following sources: Online @ www.fitbux.com and www.fitpt.fitbux.com Facebook @ fitbuxofficial Twitter @ fitbuxofficial and @ fitptofficial
Show Notes: Joseph Reinke is the CEO and founder of Fitbux, Inc. FitBUX is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapist. Joe has been in the finance industry for over a decade and is one of the few CFA Charterholders in the world who has experience in both wealth management and business valuation (globally, there are only 120,000 CFA Charterholders). He has hosted numerous live chats about student loans with SPTs across the country, presented at the California Student Conclave, appeared on podcasts, and written numerous financial blogs. In this episode Joe and the Knowbodies discuss: The development and back story of Fitbux and why Joe ventured into helping PT students What makes the PT so unique when dealing with student loans? What is “human capital” and why is it so important when determining the best repayment strategies What technology is being used to develop the best service for students planning for their future What are the important numbers and loan information you will need to get your strategy progress in motion A special case study with real numbers in a true scenario for a recent PT grad The step by step process of reaching a decision based on what is important to your specific needs How to target which loans to repay first Establishing federal versus private repayment plans Income driven repayment versus extended loans When to switch from one repayment option to another or how to refinance your current strategy, especially during life events such as weddings, children, moving etc. What impact will student loan repayment have on starting a business Is there an ideal method to plan for retirement or savings when facing significant student loan debt How to be less stressed and in more control of your debt by implementing a Fitbux strategy The content Joe shares is truly information that the knowbodies support and hope to share with all that could benefit from it. Student debt is not a crippling monster, it is something that takes strategy and planning and with the right advice and guidance it can be managed. To learn more about Joe and how Fitbux can help you, please visit the following sources: Online @ www.fitbux.com and www.fitpt.fitbux.com Facebook @ fitbuxofficial Twitter @ fitbuxofficial and @ fitptofficial
On this week’s episode, I had the pleasure of discussing financial strategies for Doctor of Physical Therapy student loans with Joseph Reinke. Joseph Reinke is the CEO and founder of FitBUX, Inc which is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapists. In this episode, we discuss: -Why FitBUX is in the business of aiding human capital development -Helpful and actionable strategies to manage student loan debt -Options for new graduates in debt that want to start their own business -Why student debt should not get in the way of a worry-free retirement -And so much more! Joe recommends starting as early as possible on the road to entrepreneurship if that is your long-term goal. “Even if you're a student and you know you're going to be an entrepreneur, start networking at all these events with people who have podcasts or have private practices. Get into that setting so all that human capital that you are developing is geared toward being that business owner because the more you do of that the higher probability you will be successful.” Joe has found that finance is more about discipline and delaying gratification. Developing strategies to tackle financial obstacles can help provide the extra discipline needed. Joe states, “The other thing you’re doing that is even more important is you’re developing discipline. That’s one of the hardest things to do in finance. We want instant gratification on everything. It doesn’t matter what you’re doing in finance, it can be paying off your loan, saving for retirement, buying a house and paying that off—there is no instant gratification...” Joe cautions his clients to consider the downside. The more prepared people are for unexpected shocks, the less they will struggle with financial obstacles. He recommends, “Keep it simple and strategize… The stress a lot of people get financially will be gone or it will be a lot less because you'll be prepared. That’s when I see a lot of people get into financial stresses. They just get hit with a tsunami at some time and they are not ready for it and that’s when you start seeing people stress out about money.” For more about Joe: Joseph Reinke is the CEO and founder of Fitbux, Inc. FitBUX is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapists. Thus far in FitBUX’s beta test, they have helped PTs develop financial strategies on over $11mn in student loans. Joe has been in the finance industry for over a decade and is one of the few CFA Charterholders in the world who has experience in both wealth management and business valuation (globally, there are only 120,000 CFA Charterholders). He has hosted numerous live chats about student loans with SPTs across the country, presented at the California Student Conclave, appeared on podcasts, and written numerous financial blogs. Resources: FitBUX: Sign-up for the beta test that is testing FitBUX technology to help answer SPTs and DPTs questions about student loans such as “do I invest or prepay my loans?”, “do I pay down my loans or go onto a Federal Income Driven repayment plan?”, “what are my refinancing options and should I refinance?”…And the beta test is FREE! FitBUX Blog for Physical Therapists FitBUX Blog on Finance FitBUX videos on student loans PT Pintcast Episode NewGradPT: How Physical Therapy Careers are Changing Social Media: FitBUX Twitter FitPT Twitter Facebook LinkedIn Thanks for listening and subscribing to the podcast! Make sure to connect with me on twitter and facebook to stay updated on all of the latest! Show your support for the show by leaving a rating and review on iTunes! Have a great week and stay Healthy Wealthy and Smart! Xo Karen P.S. Do you want to be a stand out podcast guest? Make sure to grab the tools from the FREE eBook on the home page! Check out my latest blog post on The Do's and Don'ts of Social Media! P.S.S. Check out the inaugural Women in PT Summit here! Sign up now as space is limited!
On this week's episode, we're back at the North Hollywood Diner discussing SPTs, the Governing Body elections coming up in November, and general tomfoolery.
© 2020-2025 Ivy Podcast Discovery LLC
