Podcasts about ssi

Welcome back my fellow self storage investing nerds! (yes I meant every word of that lol). This is your host, AJ Osborne and man do I have an episode lined up for you guys today… Money. Investing requires money, and a lot of it. That's honestly probably one of the most common questions I get – how do I get the money, find the money, or raise the money enough to be able to invest in self storage? Everyone wants to know where the money comes from and how that piece of the puzzle fits in the process of buying and investing in a commercial property. This said, I want to give a huge welcome to an amazing guest – Anna Taylor. Anna is the Head of Self-Storage Lending at Live Oak Bank and she is an absolute self storage lending expert. In this episode we talk all things self storage funding and financing, we talk market trends and she gives the latest and greatest update on what she's currently seeing – not only that, she brought a crystal ball and told us exactly what was going to happen in the next 2 years in the self storage and lending industry… Just kidding guys, but wouldn't that be great!? All said and done, by the end of this episode you're going to have an immense understanding of the lending process, general guidelines and things to look out for, and will have the tools necessary to help you effectively close on a self storage investment. Be sure to reach out to Anna and Live Oak here: https://liveoakbank.com/incomepodcast Thanks everybody! Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout to jumpstart your development project. Find out more: https://forgebuildings.com/podcast Remember to SUBSCRIBE for our upcoming episodes - we have a roster of all-star guests you won't want to miss! Be sure to check out our partners: Janus International - https://www.janusintl.com/ Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek here: https://www.cedarcreekwealth.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

As the risks and issues surrounding the deployment of access management and customer identity systems increase, there is one solution proving to be popular, which is a self-sovereign identity system (SSIs). These self-sovereign identity systems include an approach toward creating a digital identity that allows individuals the ability to verify themselves by controlling information. What Is Self-Sovereign Identity (SSI)? Self-Sovereign Identity (SSI) is an approach that is user-centric toward digital identity by giving people and businesses complete control over their data. Therefore, SSI allows anyone to share their data easily and prove their identity reliably (i.e., everything about them, including who they are) without needing to sacrifice privacy or security. In simple terms, SSI gives you the chance to “bring your own identity,” which is true for any information potentially that informs your core identity, for instance, your age, name, and address, to your work records, education, bank account, insurance and health data, and financial information. Also, you can use SSI for modeling people's digital identities and for IoT and organizations as well. In the end, SSI has promised a digital world where interactions will be worry-free and effortless. It's the next step in the evolution of identity management, which creates a new paradigm where digital identities aren't locked or fragmented in silos that are controlled by someone else, but will be at your disposal to share privately and securely. Why Use Self-Sovereign Identity? In the past couple of decades, we have witnessed the digitization process that has unfolded on a global scale and involves numerous industries. Even though the start of this process was gradual, it accelerated when smartphones emerged as that placed the digital worlds at your fingertips, and it was even more drastic when the COVID-19 pandemic gripped the world, as it forced everyone to move toward digital interactions from in-person ones. However, it's not a secret that there wasn't an identity layer built when the internet came into existence, and as the world continues to grow digitally, we must confront the insurmountable issues that come with it. You can say that digitization has come with its price, such as: Limited control over data: Only a handful of companies hold the power, which effectively lock in users and control data. Privacy issues: As users aren't controlling their data, there has been a rise in privacy scandals and diminished trust in data aggregators. Compliance issues: Data must be stored and managed centrally by online service providers, which means they are open to penalties and regulatory scrutiny. Security issues: The standard method to secure access to user data and services, especially authentication that was password-based can't be relied upon and that has caused several data breaches on a larger scale. Identity theft and Fraud: As there are limited identification and authentication tools that can be relied upon, there has been a rise in identity theft and other types of fraud. Online marketplaces and service providers have been struggling to ensure that transactions are trustworthy. Cumbersome user experience: There are several authentication methods that users are forced to use, including different passwords, and the online identification processes are lengthy. These problems can be solved by SSI as users will have more control over their data, and they can share that data securely, privately, seamlessly, and whenever they want. The potential for generating value is immense as individuals, governments, and businesses can all benefit from it. Benefits for People SSI offers several great benefits to people, which ensure that they will be able to take advantage of having their data in their own hands. Here are some of the benefits that SSI gives to people: User experience: SSI ensures that people can share their data effortlessly with others. The standard method for sharing da...

Finding a good self storage deal is not as simple as calling up an owner and pitching a price. What does it involve? Brian Mullally is the VP of Acquisitions for Cedar Creek. He's found and helped us acquired numerous deals back from when we first started building our processes, to now, when we are constantly raising capital for deals rolling in. In this episode, he talks with us on his experiences in the game and some of the common downfalls to avoid. You'll want to stick around for an inside look inside our acquisitions process in this episode! We also have a video following up on due diligence and common mistakes. Check it out: https://youtu.be/fRZQMwl161E Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout to jumpstart your development project. Find out more: https://forgebuildings.com/podcast Remember to SUBSCRIBE for our upcoming episodes - we have a roster of all-star guests you won't want to miss! Be sure to check out our partners: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek here: https://www.cedarcreekwealth.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

Digital Currency in 2022. Will money continue to be the American way to yet pay ? The President signed an executive order to do away with paper money forever? SSI and Social Security recipients will they lose all their benefits? September will these people receive October and November payments and no December payment. There are many more and some are not watching or praying. 

On this episode of Now that's Significant, Horst Feldhaeuser, Group Services Director at Infotools was joined by Jason Buchanan, Managing Director at the Global Market Research Agency Verve. Jason has a rich history in the insights sector, founding the Research Now APAC chapter and steering SSI's APAC business to greener grass. Jason has a passion for exploring how the world works, the know-how for making it better, a deep understanding of consumers, and even has a degree in neuroscience. Horst and Jason discussed: > How 12 year olds next door could be completing MR surveys to buy electric scooters (and you may not even know it). This behaviour is likely more widespread than we think it is (or accept it to be). To put this into persona talk, Fabricated Frank sure does answer a lot of surveys. > Automatic fraudster detection and checks aren't good enough anymore. There is more that's needed to be done in order to clean up this issue. > There is a significant need for panel and field suppliers to truly verify the identity of people. > The market research space really needs to care about this – not just pretend we do. > On top of compensation, the industry really needs to focus on survey experience (SX), in order to recapture the stature and reputation that has been lost by the industry over the past decade or so. > And of course, that having something that you are passionate about outside your professional career and even outside your comfort zone, whether that's a side hustle, a hobby or something that truly challenges you – often makes you a better professional. Enjoy the show.

Nguyễn Thế Minh hiện đang nắm giữ vai trò “Head of Research and Development Division” của Công ty chứng khoán Yuanta Securities. Anh có gần 15 năm hoạt động trong lĩnh vực chứng khoán và từng nắm vai trò lãnh đạo tại các công ty lớn như Viet Capital Securities (VCSC), Saigon Securities Inc. (SSI),…Sau 26 năm thăng trầm tại Việt Nam, chứng khoán dần trở nên quen thuộc và được nhiều người chọn lựa để trở thành một kênh đầu tư nghiêm túc. Điều này được thể hiện qua sự tăng trưởng vượt bậc của thị trường trong năm 2021. Có đến 1,53 triệu tài khoản chứng khoán mới được mở (tăng 4 lần so với 2020), chỉ số VN - Index đạt mức tăng trưởng 35,7%. Theo thời gian, nhiều chính sách và nhiều công nghệ mới được áp dụng để giảm rào cản tiếp cận của người dân với chứng khoán.Việc mua bán cổ phiếu giờ đây đã trở nên rất dễ dàng, nhưng thị trường thì vẫn luôn khó đoán. Vậy nhà đầu tư cá nhân, đặc biệt những người mới tham gia phải trang bị những gì? Có những nguyên tắc nào cần lưu ý khi tham gia đầu tư? Cùng lắng nghe cuộc trò chuyện giữa anh Nguyễn Thế Minh và host Miro Nguyễn để tìm kiếm câu trả lời!Đừng quên có thể xem bản video của podcast này tại YouTube.Và đọc những bài viết thú vị tại website vietcetera.comĐặc biệt gửi lời cảm ơn đến Viglacera đã đồng hành cùng tập podcast này. Cùng chặng đường 48 năm hình thành và phát triển, Tổng công ty Viglacera - CTCP là nhà sản xuất Vật liệu xây dựng và đầu tư kinh doanh Bất động sản lớn nhất tại Việt Nam với hơn 40 đơn vị thành viên. Chúng tôi tự hào là nhà cung cấp dịch vụ hàng đầu về vật liệu xây dựng bền vững và chất lượng cao đồng thời là nhà phát triển Khu công nghiệp hàng đầu tại Việt Nam.#Vietcetera #podcast #Vietnaminnovators #Viglacera

Building a storage facility requires an in-depth look into the rapidly changing economic market. We get asked all the time - is it a good time to buy? Is this a good place to build? Inflation is rising, should I reconsider my projects? In this episode, we're bringing in Melissa Anderson & Hamish Bell from Forge Building Company. You'd be hard pressed to find anyone in the self storage industry with as much building and storage development experience. They monitor and keep a close pulse on the Self Storage industry because they have been doing it for well over a decade, with hundreds of facilities built. If anyone understands what's going on in the market, it's them! In fact, Forge has helped us build many of our storage facilities in all types of different markets, and have saved us literally hundreds of thousands of dollars on ONE deal alone. You'll want to stick around for all the juicy insights in this episode! Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout to jumpstart your development project. Find out more: https://forgebuildings.com/podcast Remember to SUBSCRIBE for our upcoming episodes - we have a roster of all-star guests you won't want to miss! Be sure to check out our partners: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

Today's guest is Andrey Nayman, Founder, and CEO of the Magic Store. Magic Square is a unified, integrated, interoperable space for users to discover and experience community-vetted crypto apps, NFTs, DeFi, and GameFi, and for app creators to market and monetize quality crypto apps. Magic Square is a multifaceted system that covers all UX bases: The Magic Store guides users to discover community-vetted crypto apps with built-in integrated DeFi. Users sign in to all their apps with one SSI-secured Magic Connect leading to their personalized dashboard to organize, use, and track their crypto activity. Users and creators discuss and collaborate in a dedicated Magic Community space. Andrey Nayman is an Entrepreneur, Mathematician, Quant & Professional Investor, an early adopter of Crypto (2013), and has successfully led multiple technical ventures. He is an Executive Product Owner and Proven Company Leader with a deep background in Algo-Trading, Startups, and Scaling Tech oriented Companies. He began his professional career at Final, one of the world's biggest Algo-Trading companies, where he worked for 7.5 years. He served as the CEO of Vidmid, a technology leader in the OTT space. He then worked as the Managing Director at Radical Ventures – one of the most active VCs in Israel, for five years. He is currently the CEO and Founder of Magic Square, a financial infrastructure company. We discuss Magic Square, the importance of decentralization, the Ethereum Merge, the Magic ID, and much more. We begin our discussion about why there is a need for a crypto-native App Store. Andrey discusses how a lot of the value created by Web2 marketplaces centered around discoverability and how this is a missing component within Web3. We transition to discuss the state of Magic Square. Andrey discusses the listing process and how Magic Square empowers its community to spearhead the listing process. Andrey stresses that Magic Store is a community-first company, and he does not want to be a gatekeeper. We dive deep into the actual mechanics of the listing and vetting process. We discuss encryption and our mutual admiration for the beauty of encryption. We transition to discuss Magic ID. Andrey shares what he loves about Web3 identities and why it is the future. Our next conversation topic focused on the Ethereum Merge. We discuss the various arguments surrounding PoW vs. PoS. We also discuss the technical challenges that apps will face when the merge happens and the possible implications of the merge. We pivot our conversation to confer the benefit of launching during a bear market. Our final conversation topic centered on Andrey's decision to jump from VC to founder/operator. Andrey shares that one of his main drivers in building Magic Square is to leave a positive impact on the world. Please enjoy my conversation with Andrey Nayman. -- SafePal is a Singapore-based Binance labs backed company that provides secure and easy-to-use wallet solutions for the crypto masses. With the mission to make crypto secure and simple for everyone, SafePal has built comprehensive crypto asset management solutions, including hardware wallet, mobile wallet, extension wallet, cross-chain swap, trading service, and more. SafePal has supports 48 blockchains and 15 languages, and serves more than 6 million users global-wide. Use code charlie for 10% off SafePal's S1 wallet at https://store.safepal.io/safepal-s1-h... Download the SafePal App and SafePal extension wallet at https://untoldstories.link/safepal -- This podcast is powered by Blockworks. For exclusive content and events that provide insights into the crypto and blockchain space, visit them at https://blockworks.co

Épisode 825 : Youpi c'est la rentrée et les news social media se bousculent au portillon ! Instagram qui compose avec les envies de ses utilisateurs, Linkedin qui s'offre une nouvelle jeunesse, Youtube qui dévoile des data sur le rythme de lecture et une petite globale pour finir en douceur..Instagram souhaite nous donner plus de contrôle sur ce que l'on voitDepuis plusieurs semaines les relations sont un peu tendax entre Instagram et ses utilisateurs. Le déploiement d'un nouvel algorithme basé massivement sur un principe de recommandations, désespère certains utilisateurs qui trouve que les contenus proposés par Instagram ont loin d'être pertinents.Pour éviter de perdre des utilisateurs en chemin, Instagram multiplie les efforts de développement pour proposer à ses utilisateurs plus de contrôle sur ce que l'algorithme leur propose.Instagram teste des options pour nous donner davantage de contrôle sur les posts qui apparaissent dans nos fils d'actualité et dans Explorer. La possibilité de masquer des posts suggérés contenant certains mots, hashtags emojis dans la légende Vous en avez marre qu'instagram vous propose des Reels de gars qui claque des doigts et changent de sape, et bien vous pourrez dire à Instagram de ne plus vous proposer de posts avec le hashtag #outftinspiration par exemple.—Instagram va proposer de masquer des posts dans Explore pour ne plus voir de contenus similairesIl sera possible d'indiquer qu'on n'est pas intéressés par certains types de posts qui s'affichent dans l'onglet Explorer. Instagram prendra en compte cette décision et vous ne verrez plus apparaître de contenus similaires à l'avenir.La fonction existe déjà et est accessible depuis explore en cliquant sur les 3 petits points au dessus d'un post. Sauf qu'aujourd'hui il faut le faire post par post. Instagram projète de pouvoir faire une sélection multiple.Vous avez marre de tous ces reels de coiffeurs ou de barbiers US, vous les sélectionnez massivement via explore et Instagram devrait faire le ménage dans ses futures recommandations.—Ces nouveautés viennent s'ajouter à une fonctionnalité proposée début Aout. Instagram propose un outil pour masquer les recommandations de publications de votre fil d'actualité pendant 30 joursLorsque vous tombez sur un post avec la mention « Suggestion de publication », cliquez sur la petite croix en haut à droite du post.Un bouton vous permet alors de Masquer temporairement toutes les publications suggérées dans le fil pendant 30 jours.Linkedin s'offre des fonctionnalités du groupe MetaLinkedin s'offre une nouvelle jeunesse pour la rentrée avec des fonctionnalités déjà bien éprouvées chez le groupe Meta !La possibilité de programmer ses posts en natif sur LinkedinS'il y a bien un truc qu'on aime quand on utilise une plateforme c'est le flexibilité, la simplicité… Et quand il faut se mettre un rappel pour publier son posts Linkedin entre 13h et 13h54 un jeudi midi, là ça nous gratte un peu.Et bien bonne nouvelle qui vient juste de tomber, Linkedin bosse sur un outil de planification native qui devrait sortir sous peu !La fonctionnalité a été découverte par Nima Owji, l'un de ces super geeks qui fouinent dans les lignes de code…Quelques captures d'écran sont déjà sorties et on y voit un petit Bouton en forme d'horloge présent dans la pop up de publication.Pour ceux qui ne le savaient pas, la programmation de posts Linkedin était déjà possible mais uniquement via des outils tierces. C'est bien d'une version native dont on discute. SourceL'épinglage des commentaires sur LinkedinLa célèbre fonctionnalité Épinglage de commentaires qui a déjà fait ses preuves sur INstagram, Tiktok ou encore dans les live Facebook arrive chez Linkedin.Un moyen très efficace de mettre en avant les commentaires les plus pertinents.Un moyen aussi d'impacter sur la tournure que peut prendre la conversation dans les prochains échanges.
Une fonctionnalité qui va ravir les amateurs de « lien en commentaire ».Le Sticker de Lien sur LinkedinL'ajout d'un sticker de lien sur les posts photo et vidéoLes lien externes ça a toujours été la bête noire de l'algorithme Linkedin.Alors que les utilisateurs voient en Linkedin une super opportunité de créer une passerelle vers le joli contenu RSE de leur Blog, les liens externes n'ont jamais été trop appréciés par la plateforme.Et pourtant, cet été, début Août Linkedin a lancé en douceur un sticker de lien semblable à celui des Stories INstagram.Au moment de publier une photo ou une vidéo il est possible (sur mobile pour le moment) d'aller ajouter un lien externe.Ce dernier sera visible sur le visuel sous forme d'un sticker CTA.sourceEst-ce qu'il t'est déjà arrivé de regarder Youtube en accéléré ?Et bien Il s'avère que beaucoup de gens le font. YouTube permet aujourd'hui de ralentir ou d'accélérer une vidéo. Et bien les équipes de Youtube ont constaté que la plus part des utilisateurs mataient des vidéos en accéléré. Et 85% des utilisateurs modifient la vitesse de lecture pour qu'elle aille plus vite.La vitesse 1,5x est l'alternative la plus couramment utilisée, suivie de 2x en deuxième position.Youtube note également ue plus al journée passe et plus la vitesse de lecture augmente.Le matin la majorité des utilisateurs utilisent la vitesse normale, mais par contre en 21h et 1h du matin c'est le x1,5 qui prend le lead.En gros, en fin de journée, nous devenons frénétiques. Personne n'a plus le temps d'attendre. On veut du contenu, le max de contenu quitte à se la bouffer en accéléré.Cela précise aussi le besoin de proposer un contenu efficace et rythmé.La genZ encore très active sur Facebook aux US >> ÉtudeUne grosse étude Data.ai est sortie pour la rentrée avec dedans beaucoup de données qui font mal à la tête.L'étude porte sur l'utilisation des réseaux par les GenZ sur les plus gros marchés : États-Unis, Royaume-Uni, Japon, Corée du Sud et Allemagne.Facebook est l'application la plus fréquemment ouverte, chaque mois, par la génération Z aux États-UnisMais Insta et Snapchat génèrent plus d'engagement et sont plus utilisésSi la génération Z continue d'ouvrir fréquemment l'application Facebook, ils sont en réalité plus susceptibles d'utiliser Instagram, TikTok et Snapchat car ils y sont plus plus engagés.Ça montre que le ciblage de ces applications pourrait fournir une base d'utilisateurs issus de la génération Z plus réceptive et plus engagée.La Gen Z est celle qui utilise le plus les réseaux sociaux…Sur les marchés cible, le nombre de sessions et le temps passé sur les réseaux sociaux chaque mois montre que les Z sont encore les plus actifs.Avec juste derrière en Allemagne et aux US, la Gen X (35-44)**Par contre la Gen X y passe environ 25% plus de temps **En effet, aux États-Unis et en Allemagne, la génération X a passé en moyenne 25 % de temps de plus sur les applications sociales que la génération Z.source. . .Le Super Daily est le podcast quotidien sur les réseaux sociaux. Il est fabriqué avec une pluie d'amour par les équipes de Supernatifs.Nous sommes une agence social media basée à Lyon : https://supernatifs.com/. Ensemble, nous aidons les entreprises à créer des relations durables et rentables avec leurs audiences. Ensemble, nous inventons, produisons et diffusons des contenus qui engagent vos collaborateurs, vos prospects et vos consommateurs.

Episode 072 | Eric Bennardo (Foundation Fighting Blindness: Pittsburgh Chapter President) + Michael Tubiak (The RP Show & Living Free With RP) join the podcast! In this episode - Eric, Mike and I discuss the ins + outs, pros + cons of claiming SSI or SSDI (disability benefits), leaving the workforce + joining the workforce as someone who is legally blind and more! ------------ Do you have a question you want to be featured + answered in an upcoming SEE-THROUGH episode? Email me (theseethroughpodcast@gmail.com) or DM me a video of your question. Want bonus episodes + exclusive SEE-THROUGH content? Join the SEE-THROUGH FEW over on Patreon. Visit: https://patreon.com/seethroughpod -- S E E - T H R O U G H  //  L I N K S -- Website: https://www.seethroughpod.com/ Subscribe: https://bit.ly/3JRSPEO Instagram: https://instagram.com/seethroughpod TikTok: https://www.tiktok.com/@seethroughpod Twitter: https://twitter.com/seethroughpod Facebook: https://www.facebook.com/seethroughpod ------------ Follow Eric on Instagram: https://www.instagram.com/ericbennardo/ Check out Eric's YouTube channel: https://www.youtube.com/channel/UCwjtgleE2xoWmbLPc3PooHA Listen to Mike's podcast "Living Free With RP": https://anchor.fm/michael-tubiak Check out Mike on "The RP Show": https://www.youtube.com/channel/UCiMvdarMVRa-5qYK8ApcfNA/featured Follow Mike on Instagram: https://www.instagram.com/tubiakmaniak/

SSI Live 094 – Gorbachev's Passing and Legacy – Earlier this week, the last leader of the Soviet Union, Mikhail Gorbachev, passed. To discuss his leadership of the Soviet Union's last years and his legacy today, SSI's own Dr. Bob Hamilton, former SSI research professor Dr. Steve Blank, and former USAWC professor Dr. Craig Nation sat down with SSI Live host John Deni.  How did Gorbachev differ from his predecessors? What was his enduring impact on Russia?  What is his legacy beyond Russia's borders?  And how does Gorbachev's legacy relate to Putin's war in Ukraine today?  Listen here, or subscribe below.

Raising money for real estate deals can seem overly complex. It's not easy to raise hundreds of thousands - even millions - of dollars for your investment or private equity deal. When it comes to raising capital, there's many ways to do it. There are private equity funds, hedgefunds, syndications, and more. How do you know what to use, and, more importantly, how to use them? So we're inviting Bridger Pennington, the cofounder of Fund Launch and the host of the Investment Funds Secrets podcast. Check out his website: https://www.fundlaunch.com/ Exclusive to SSI listeners, Forge Building Company is offering a FREE consultation and Complimentary Site Layout. They are AJ's go-to building contractor for all things self-storage, who has saved us literally hundreds of thousands of dollars on one deal alone. Find out more: https://forgebuildings.com/podcast Be sure to check out our partners! Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

In this episode of the show, we explain what you need to know about special needs trusts. It is important to first look into obtaining a Power of Attorney, and if the disabled individual is unable to do so, go through a guardianship hearing. When planning for individuals with special needs/disabilities, there are third-party options, first-party options, and a few substitutes that can also be viable options. The most important thing is choosing an option where an individual can receive money through the trust without losing all of their government benefits. The best thing to do is seek professional guidance because making a mistake with special needs trusts can be very problematic. Come join us on our next episode for more tips and tricks for all things estate planning and elder law! Key Takeaways  Takeaway 1: Power of attorney for individuals with disabilities 01:38 - 07:25 The main issue of concern with individuals with disabilities is when they turn 18, can they sign a power of attorney? A power of attorney authorizes another individual to be able to make decisions for themselves and do things on their own behalf, whether it be financial or medical. Individuals may or may not have the capacity to sign a POA. The determination is made by the attorney.  If the attorney determines the individual does not have the capacity, the process will go to a guardianship hearing.  In a guardianship hearing, the parents file a petition in the court to allege that their son or daughter is not able to make decisions on their own and that they need a guardian appointed to protect them from unscrupulous individuals. A hearing date is set and there is a citation that is given from the court that gets read to the alleged incapacitated individual.  The hearing determines the outcome. A doctor usually testifies via phone call, the judge listens to the testimony of the alleged incapacitated individual as well as the doctor and the person petitioning who wants to become the guardian. The questions the judge considers are: Does the person have the capacity to make decisions? Is the person who is offering to be the guardian the right person for that individual? The judge hears the facts and ultimately renders a decision. With a POA, nobody's rights get taken away, but with a guardianship hearing, the incapacitated individual could lose their rights. Always try to get a POA first, because a guardianship is hard to remove once it's in place. Every now and then a POA is in place but an unscrupulous individual befriends someone with a POA and starts to take advantage of them. Sometimes we're forced to do a guardianship hearing because individuals are susceptible to their money being stolen and are in a position where we need to protect them with a guardianship. Takeaway 2: Third-party special needs trusts 07:26 - 11:23 How do we give money to an individual with a disability?  If an individual is receiving benefits in Pennsylvania, typically through SSI or Medicaid, the individual would need their assets to be under $2000. If they inherit a lot of money, they lose all of their government benefits. We don't want that happening, so we utilize a third-party special needs trust.  Anyone other than the individual creates the trust You create a will and put in it that you'll give the money you have to your child with a disability in a special needs trust. There will be a third-party trustee who will give the money to the child as they see fit for anything other than food or shelter. The money in a special needs trust can enhance and supplement the child's life.  This third-party trust can be done as a revocable trust, an irrevocable trust, or be written in a will. You just have to say that after your death, you want to set up a third-party trust for the benefit of your child.  Just be careful to tell your family members not to leave money outright to a disabled beneficiary because it will take away any benefits that they're receiving. Takeaway 3: Standalone special needs trusts 11:24 - 12:18 Standalone special needs trusts are funded in the present, they have their own employer identification number (EIN), you can put money into them and your family can put money into them.  They're probably not quite as common as utilizing a life insurance policy, but it's another option.  The advantage of waiting to contribute money until death is that you don't have to worry about filing tax returns or getting a separate tax EIN number, but it's totally your call. Takeaway 4: First-party special needs trusts 12:19 - 14:30 If you have a disability and you are receiving public benefits but you have too much money in your, you have to do something with it. That's where first-party special needs trusts come in. Whether the individual earned the money or is receiving money from an inheritance or a personal injury settlement, first-party special needs trusts can help them keep their benefits and just supplement their life with that money.  There has to be a payback provision called a D4A trust or a payback trust. When the individual dies, the government gets to look to the money in the trust to get paid back up to the amount of care that was provided Takeaway 5: Able accounts 14:31 - 19:56 Over time, the federal and state governments decided that they didn't like the process of individuals with disabilities who might be making too much money every month hiring lawyers and paying thousands of dollars for a special needs trust, so they created an ABLE account.  ABLE = Achieving a Better Life Experience It is the government's attempt to create a trust inexpensively and easily. It means that as long as the onset of the disability occurred before age 26, an individual can set up an ABLE account and put away $16,000 per year.  The maximum amount is $511,758, so it takes almost 32 years to reach that point if you put away $16,000 per year. Contributions to Pennsylvania ABLE accounts may be deducted from PA state tax taxable income. Say you receive an inheritance of $50,000, you can't use an ABLE account. Able accounts are effective if your money is accumulating because of a job and you're going just over $2,000 every month.  Throughout the whole year you'd probably stay under $16,000 in assets.  The first-party special needs trust is still viable if the money is over $16,000 per year.  We know that the first-party trusts have a right to pay back to the state of PA, but with ABLE accounts it is not as clear. It could be risky. PA isn't currently going after paybacks, but that could change.   Takeaway 6: Pulled trusts 19:57 - 21:30 Another available substitute for a first-party special needs trust is a pulled trust. A pulled trust is usually created by a charity or nonprofit organization.  The money can be put into that trust and be made available for you throughout your life for anything other than food or shelter. Then when you die, instead of the state getting the money, that money stays in the pot for the benefit of the charity or organization. The most prominent pulled trust in PA is Achieva's. Links and Resources Mentioned Bellomo & Associates workshops: https://bellomoassociates.com/workshops/  Connect with Bellomo & Associates on Social Media Twitter: https://twitter.com/bellomoassoc  YouTube:  https://www.youtube.com/user/BellomoAssociates  Facebook: https://www.facebook.com/bellomoassociates  Instagram: https://www.instagram.com/bellomoassociates/   LinkedIn: https://www.linkedin.com/in/bellomoandassociates  Ways to work with Jeff Bellomo Contact Us: https://bellomoassociates.com/contact/ Practice areas: https://bellomoassociates.com/practice-areas/

Today we have the great pleasure of speaking with Rafa Jimenez, the blockchain guru for ELCA and Secutix!  Rafa joins us today to shed light on blockchain and discuss its impact on the live event industry. He also discusses his career journey, shares his insights, and explains NFTs.  We hope you enjoy listening to today's captivating and informative conversation with Rafa Jimenez! Rafa Jimenez Bio (July 2022)  Rafa is a blockchain, DeFi, and fintech specialist with over 10y experience in the industry, currently leading blockchain and Web3 at Secutix in the event industry solution and ticketing platform used by the largest and most renowned venues, operas, museums, live events, artist, sports clubs and tournaments in the world. With ELCA the Swiss IT solutions company and parent of Secutix, with over 50 years of serving corporate/gov clients worldwide - Rafa serves as a thought leader and general advisor for Blockchain, DeFi, and Digital-Asset strategy.  Previously as Chief Commercial Officer at Alpian, Rafa helped build a mobile-only Swiss private banking platform, now a fully licensed Swiss bank scheduled to launch end of 2022. Before that as founder, he built and lead Alibre.io (originally “AhorroLibre”), a mobile-only metaPSP one-click payment platform helping improve financial inclusion for the base of the pyramid in Mexico, that was recognized as one of the most innovative solutions in LATAM by the Global Entrepreneurship Summit GES Marrakech 2014. He is also a founding member and regular lecturer at KlubAlibre.mx a fintech, blockchain, DeFi & Web3 working and education community in Tijuana Mexico.  Since 2012 Rafa has worked with and advised founders, teams, and developers in the fintech & blockchain space on Venture Building, Fundraising, Strategy, Tech, Customer Journey, BizDev, and G2M launch.  At McKinsey & Co. from 2006-12, he was a management consultant specializing in BizDev, new Product Dev and G2M launch strategy for global financial services players, throughout his 6 years at the firm. Since then, Rafa has served as a counselor and strategic advisor to leaders of fortune 100s, SMEs, Startups, governments, IOs, and NGOs around the globe. As a big sports and music fan, he practices and plays a wide and eclectic range of sports disciplines and musical instruments. As a passionate and self-proclaimed “tech nerd”, he's always been the first to use the latest available technology and at an early age, Rafa was already playing with electronics and programming ICs with assembly code & C++. He holds an Electronic Engineering degree from UAG Mexico 1997-01, and an MBA from HEC UNIGE Switzerland 2005-06. About Rafa Rafa describes himself as a tech geek, engineer, developer, turned management consultant, turned fintech entrepreneur, turned blockchain expert. Now, he is at Secutix with the ELCA Group, leading everything related to blockchain, the metaverse, and digital assets.  Rafa's journey Rafa is from Tijuana, Mexico. He started programming in the mid-90s, taking the electronic engineering undergraduate route and developing integrated systems for communications applications. He graduated in the middle of the tech-bubble crash in 2001. The entire industry was frozen, so he started teaching high school math. A few years later, he got a scholarship from the Swiss government and went to Switzerland in 2005 to do an MBA. He joined McKinsey in 2006 and spent the next three years working with global finance leaders, banks, and insurance companies, focusing primarily on emerging markets and developing new products for financial institutions.  Around 2010, he saw a big financial inclusion gap in some countries. He fell in love with the notion of mobile-only fintech apps as a way of assisting billions of people in emerging markets in accessing financial services. So he left consulting to start a fintech company.  In 2012, he returned to Mexico and founded a fintech company with a peer-to-peer mobile-only app that allowed people to transfer money efficiently. He ran that company for eight years.  Blockchain Just before he decided to leave consulting in late 2011, Rafa learned about Bitcoin and blockchain from his roommate and felt he had finally found the missing piece in his career. Understanding blockchain  Understanding the idea behind blockchain and having a way to trade and keep a store of value using a smartphone lit Rafa up! After that, he could not stop reading and learning about blockchain. He spent half his time traveling the world to meetups to learn from others, work with them, and develop ideas. Teaching blockchain in Spanish In 2016, Rafa started teaching blockchain in Spanish. 2020 In 2020, he returned to Switzerland and stepped down from managing his company in Mexico to focus on DeFi and blockchain implementation.  Joining a Swiss company Rafa joined a Swiss company building Switzerland's first mobile-only digital private bank. He still advises that company. ELCA and Secutix While looking for the world's largest platform implementing blockchain functions, Rafa came across ELCA and Secutix, which asked him to join and lead them. Rafa explains blockchain  A blockchain changes the paradigm of needing and reconciling thousands of global databases, each with different information. A blockchain is the marketing name for distributed ledger technology. Instead of having a thousand databases or accounting ledgers, there is only one ledger in the world. It is a distributed ledger that everyone can access and see. It is a way of keeping track of assets that everyone and no one owns at the same time. There are different blockchains for different assets. A single worldwide database  There will soon be a single worldwide database for DLT (distributed ledger technology), or a blockchain, where everyone can trade, transfer, or send dollars anywhere in the world without intermediaries. NFT (Non-fungible token)  An NFT is a certificate of ownership of a digital asset. It is an application of a blockchain. Non-fungible tokens can be traded because they represent unique ownership of something.  How blockchain applies to the live events industry  There are three types of tokens to help different parts of the industry: Fungible tokens: These can be used as payment in specific places, like airline miles. Non-fungible tokens: NFTs can be used as souvenirs or memorabilia when an event is over. ERC11-55: These tokens can get distinguished from one group to another but not amongst each other. (Like shares in different companies.) All of those will address and minimize most current ticketing problems, enable more potential, and open new opportunities within the industry.  SSI (Self-sovereign identity) SSI is a way to manage things like single sign-on, identification, and verification. With its advent, ownership of data, power, and control will return to the end user.  Blockchain problems Sometimes, blockchains can be detrimental because there is a blockchain trilemma. That means that three options cannot be maximized at the same time. Only two options can be selected: security, decentralization, scalability, or speed. Direct services  Over the long term, artists, clubs, and tournaments will be able to engage directly with their fans and provide them with services like ticketing. Empowering people  Soon, owning customers' data will no longer be necessary. Empowering customers, users, and fans will become the priority. People will consume what they want in a pull-marketing rather than a push-marketing mindset.   Connect with Eric On LinkedIn On Facebook On Instagram On Website   Connect with Rafa Jimenez On Twitter (@rjgamez) Email Rafa: rafa.jimenez@secutix.com  Secutix  ELCA   Recommended book: The Bitcoin Standard: The Decentralized Alternative to Central Banking by Saifedean Ammous 

Things change at an incredible pace. The economy, interest rates, inflation...how do you compensate for such a volatile financial environment? We always talk about passive income and how it can help you achieve financial freedom, but a common mistake made is trying to predict the future based on the past. Associating the cost of a current investment with the value of a prospective one is not only risky, but it's also dangerous. With today's guest, Braedon Haertling, we discuss how Storage is affected by environmental factors and how he was able to overcome a void in his other ventures by starting out in Self Storage. He is incredibly busy during his years in school studying to become a physician's assistant, but he never gave up on his desire to be in real estate. He eventually pivoted to commercial and storage, and we're glad to have him on in this episode to discuss what he learned and his experience starting out. Find Braedon on TikTok: https://www.tiktok.com/@thestoragemat The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value-engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

Welcome Back! We are so excited to be back for another season of podcast episodes filled with incredible insights from experts and heart felt stories from families like ours. This season we have experts sharing on topics such as Special Needs Ministries for churches, supports for families like The Regional Center, Medi Cal, IHSS, and future planning resources like limited conservatorship, SSI and Cal Able accounts, and the highly anticipated “self determination program”. Here's a few clips from our fall episodes coming up: We're so excited for this season and all it has to offer in the way of encouragement, connection, and hope for our families listening. So please take a second to follow us and you won't miss an episode. Connect with Us: If you enjoy this podcast please share us with others and be sure to follow us so won't miss an episode.  We'd love to hear from you so please leave us a comment or rating and connect with us on social media or on our website.  Website: https://hopeonthehardroad.org Instagram:https://www.instagram.com/hopeonthehardroad/ Facebook:https://www.facebook.com/hopeonthehardroad/ Facebook Group:https://www.facebook.com/groups/2621447987943459/?source_id=105530184205752 Free Youtube Resource Library https://www.youtube.com/playlist?list=PLsSAfvTkSy87X-fEqtVR2qvo7w9UQBuxz  

In this episode, Marc and Mo discuss 2 recent JBJS and OE articles that caught their eye. The first part of the discussion focuses on a large RCT evaluating the effect of supplemental perioperative oxygen on SSI among adults with lower-extremity fractures, and the second part focuses on a systematic review on the use of medical ozone versus hyaluronic acid for knee OA.   Links: Major Extremity Trauma Research Consortium (METRC). Effect of Supplemental Perioperative Oxygen on SSI Among Adults with Lower-Extremity Fractures at Increased Risk for Infection: A Randomized Clinical Trial. J Bone Joint Surg Am. 2022 Jul 20;104(14):1236-1243. doi: 10.2106/JBJS.21.01317. Epub 2022 May 11. PMID: 35775284. https://bit.ly/3Q2hPvF Intra-Articular Injection of Medical Ozone Versus Hyaluronic Acid for Knee Osteoarthritis: A Systematic Review and Meta-Analysis of Randomized Controlled Trials. OE Original. 2022;5(5):3. Available from: https://myorthoevidence.com/Blog/Show/183   Subspecialties: Infection Knee Orthopaedic Essentials Trauma

Dominik Beron is the Founder & CEO of walt.id, a leading company in the field of decentralized identity. Mr. Beron is a serial entrepreneur with executive education from the Universities of Pennsylvania, Oxford and a law degree (JD equivalent) from the University of Vienna. He worked for law firms (M&A), served as a policy advisor to the Austrian Parliament and as consultant to the UN, the EU Commission and national governments. Dominik has received numerous awards such as “30 under 30” (by Forbes US) and was named a Global Shaper (World Economic Forum). About Podcast Episode The question of “What is Identity?” is a very complicated one. In this conversation, Dominik distinguishes SSI as being Who I am, whereas NFTs as being What I own. Identity is a complicated topic. If I own a Ferrari, it says something about my identity. This conversation contrasts NFTs and SSI, while talking about how they both are complementary in representing one's Identity. Some of the key topics covered during this episode with Dominik are: What drove the 2021 hype cycle for NFTs? Has the hype around NFTs been good for digital identity? Ownership-based Access Management – using NFTs for Access Management What are Soulbound tokens, and what are some issues associated with them? Why is building SSI products harder than building NFT products? What does it mean to be an EBSI conformant wallet? OIDC SIOP and the Open Policy Agent Does SSI fit within a Zero Trust model? Gaia-X – the EUs new cloud infrastructure How should we treat data replication and backups? What data do I really want to control? Where to find Dominik? LinkedIn: https://www.linkedin.com/in/dominikberon/ Twitter: https://twitter.com/DominikBeron Follow Mathieu Glaude Twitter: https://twitter.com/mathieu_glaude LinkedIn: https://www.linkedin.com/in/mathieuglaude/ Website: https://northernblock.io/

Developing a self storage facility is no easy feat. What are some of the factors to consider and mistakes to avoid? I'm not talking about making typos in a text message, I'm talking about mistakes that could cost you thousands (if not hundreds of thousands) of dollars in your next development. We're continuing our conversation with Ryan Lorenzini in this episode. This is part 2 of 2 of this series. I'd check out the previous episode first if you haven't already! Ryan is the Director of The Claremont Companies, who specialize in real estate developments and has been building Self Storage for the last 10 years. Check it out: https://www.claremontco.com The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value-engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

As earnings season winds down, Dave and Derek sift through what we saw—and what we might expect in quarters to come. We check in with Robert Chastain for a late-Summer planning checklist. Annex Wealth Management works with numerous companies to help build solid retirement plans—but what types of companies? Tom Parks digs in. Ask Annex covers SSI and COLA increases, tax-loss harvesting, and covers funds-of-funds. Also on the show, we dig in on HSA's—a powerful tool for investment and retirement planning.

Jelle, which is the former Lead of Identity at the IOTA Foundation, and has now taken it with him and started his own company called Impierce Technologies to build SSI services on top of IOTA Identity. Tune in to learn more about what DID is and what Jelle`s plans for the future is!

S5 E10 - Jordan Adler talk about his MONEY problems being one of the special needs victims of SSI, the pros and cons (rants) about it and talk about other controversial things Follow me : https://linktr.ee/jordanadlerjman --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/thetalkcast/message

As you know, we've had some pretty incredible guests here on Self Storage Income, but I have to be honest here… I'm extra excited for our guest today. Meet my friend and fellow self storage investor Ryan Lorenzini. Ryan is also the Director of The Claremont Companies. Ryan became familiar with property development initially through home building. Fast forward to today and The Claremont Companies develop and operate a number real estate asset classes including self storage. He's an absolute wealth of knowledge when it comes to property development and market analysis when looking at the viability of a self storage project. This being said, we of course talk a lot on the podcast today about self storage development. In fact, this episode is part 1 of 2 of this discussion. Stayed tuned for the second part, where we follow up on a lot of the ideas introduced in this one. Self storage development questions easily rank in the top three questions I get consistently. So many people have land or even have a storage facility with expansion potential, or are even looking to go full fledged self storage developer. All said and done, the questions are the same - everyone wants to know whether to buy or to build, people want to know how much it costs to develop, and everyone wants concrete answers when it comes to potential development projects. We'll today, we touch on every single one of these talking points and Ryan shares his years of experience and insight to help add clarity to the ever complex process of development. As you've heard me mention, the opportunity for self storage development is huge right now - the key? Doing it right! Tune in, take note, and you'll be well on your way to better understanding the self storage development process. Be sure to check out Ryan's company and keep up with all the great work him and his team are doing on their website: https://www.claremontco.com The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value-engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

RoseAnn retired from being the Chief of the Technical Assistance Unit at RSA in 2021.   She talks about significant changes that shaped what VR is today, including independent living, informed choice and the impact of technology. RoseAnn elaborates on areas that VR is doing well, and areas VR can improve upon moving forward.  RoseAnn is currently contracting with VRTAC-QM, and you can find her work on Long COVID on the web at https://www.vrtac-qm.org/resources.   Listen Here   Full Transcript   VRTAC-QM Manager Minute: Listen to VR Legend RoseAnn Ashby, with her VR Reflections- Looking Back and Looking Forward   {Music} Speaker1: Manager Minute brought to you by the VRTAC for Quality Management, Conversations powered by VR, one manager at a time, one minute at a time. Here is your host Carol Pankow.   Carol: Welcome to the Manager Minute. Joining me in the studio today is RoseAnn Ashby, former Fed and part of the RSA team for 34 years. RoseAnn, I have to say, you are legendary. Everybody knows and respects RoseAnn. And for those of you newer to VR, RoseAnn started with RSA back in 1987, and she's supervised a number of units during her tenure there, including the Technical Assistance Unit, the Training Programs Unit, RSA Policy Unit, and the basic VR program unit. So RoseAnn, you retired from being the chief of the Technical Assistance Unit at RSA in 2021. And I have to say, wowsers, I think you've done it all at RSA except for maybe the fiscal unit.   RoseAnn: That's right. They keep me away from the fiscal unit, Carol.   Carol: I love it. I love it. So, RoseAnn, how are things going in retirement or should I say semi-retirement as you're helping us out on the VRTAC-QM with some contract work?   RoseAnn: Well, I'm loving my retirement. I will say it's very much less stress than I had when I was working. But I'm looking for ways to be engaged. And of course, I am enjoying my work with the center. I particularly love seeing my work on the website. That for me is really gratifying, that's for sure, and I hope to be doing some additional travel in the fall. You know, COVID has kind of crimped my style a little bit, but I'm looking forward to some opportunities there and some other volunteer opportunities. But I am loving retirement.   Carol: Good for you. Good for you. Well, we're loving seeing your work on the website, too, because there's nothing worse when we have coming soon. You know, we're going to be done with two years here in a minute. So we're like, yeah, we got to get this filled in. You have been just a big, big help to us. So, RoseAnn, I love that you said you're looking forward to fall, too, and getting to do some fun, travel and things, because I have always loved this month of August and this is the goofy part of me. Ever since I've been little. I like the smell in the air. I like how I can tell summer's ending and fall starting. I love that whole getting ready for school. And even when I was working at State Services for the Blind, I loved our planning. We did over summer and coming into fall for the new school year, we would do our Pre-ETS blueprint. And so I was sitting back and thinking about podcast and I thought, you know what? I want to do something where we can do some reflections with you because you have over three decades of experience in VR and you've seen so many changes. I thought it would be a fun opportunity to kind of reflect back and look forward. So RoseAnn, why don't you tell our listeners a little bit more about yourself and your background and how you got into VR in the first place?   RoseAnn: Okay. Thanks, Carol. So before I went to RSA, I was in the Independent Living Center in Miami, Florida. I was the assistant director there. I grew up in Ohio. I grew up in Canton, which is a little it used to be a factory town. My family was working class, but they always valued education. And I am a person with a disability. I am blind. And my mother, I credit my mother with really pushing hard to fight for mainstreamed education for me. Before that was popular before we had the laws that we have today. That's kind of my background in a nutshell. I went to college in Oberlin, Ohio, and I have a master's degree from the University of Miami in Florida.   Carol: Good for you. So what intrigued you about RSA? What do you think about work? Because did you have to move to D.C.?   RoseAnn: I did. I did. You know, I had worked at an independent living center doing direct services, advocacy, that kind of thing. And I just felt like if I could help influence some policies, that would be so terrific. And actually, one of the women who monitored our center told me about job openings there. And so in 1987, they were trying to bring on in RSA more people with disabilities. And that's how I got in.   Carol: very cool. And living in D.C., I just I have a love for DC. I love when the plane lands. I love everything about it.   RoseAnn: I do too.   Carol: Yeah. And that's exciting, being able to influence policy. So RoseAnn, and I know you came from that independent living side of services, how do you feel like that independent living movement has influenced VR?   RoseAnn: So as folks probably know, the independent living movement puts the consumer in control. The consumer is empowered to kind of control their services and their outcomes. Grew out of the civil rights movement and the feminist movement in the sixties and seventies. And we in VR used to have custodial attitudes that had to change because it used to be that counselors knew best what was good for people with disabilities. Well, after independent living came along, that was no longer true. For instance, in 1973, the concept of the IWR P, which is the predecessor to the IPE, came along. Folks with disabilities were partners with counsel. In determining their plan. And then in 92, of course, we had the introduction of informed choice throughout the VR process and in 2014 we had amendments that brought in the concept of maximizing employment, advancing and employment. So I think independent living needs to be given credit for really changing the scope of VR and how VR Counselors relate to people with disabilities.   Carol: I love that I sometimes help Maureen Maguire Kuletz from our team do a session for her grad students around self-advocacy. And I love looking back to those early days. You know, you go in the sixties, there's a lot of cool stuff that came out of that and it has really influenced and shaped what's happening in the world today, and that is amazing. So you've got to see that all.   RoseAnn: Absolutely.   Carol: RoseAnn, what do you think has been a real game changer in VR over the years?   RoseAnn: Well, one of the things I like to talk about as a game changer and there's probably many, but the one thing that occurs to me is technology and the advancement of technology and how that has opened up so many opportunities to people with disabilities that would just never have been there before. I remember typing on a typewriter a long time ago and having someone correct my typos. And now of course, with Jaws Screen Reader, I can do all that work myself. In fact, I edit other people's work and it is just so liberating. And that's just one very, very small example. All of the smartphones and tablets that are accessible right out of the box, that is so exciting for folks with disabilities. Now, of course, I'm most familiar with technology for blind people, but deaf folks now have video interpreting. They can live in the middle of a very rural place, and as long as they have Internet, they can get interpreters to help them facilitate their communication. And folks with physical disabilities, even very significant physical disabilities, have assistive technology to help them with their computers and to be independent at home and at work. I just cannot say enough. I think this has opened up tremendous career opportunities for people.   Carol: Yeah, I agree with that. On that technology, I think about when I was at State Services for the Blind, even just during my tenure there looking at equipment we bought early on. And then in the end you kind of want, hey, the iPhone does almost everything and there are a million awesome apps that are folks were downloading and going, Hey, we just need this. I don't need a bunch of other equipment, I just need a phone and this app and I'm good to go. I think that's cool. And for those young people out there, yes, typewriters. I remember typing master's papers and we had one line that could go back and correct. Otherwise we were using correct tape.   RoseAnn: Yes.   Carole: So, yeah. For those young people who have no idea what we're talking about, it's true. They can be grateful that there's been that advancement. So along with that kind of changes in technology, of course, what do you think is different about the expectations the newer, younger customers have as they access VR?   RoseAnn: Well, I think it's very exciting. So first of all, we've got to realize that young people were raised in a post ADA world. The ADA passed in 1990. So they expect things to be accessible. They expect services, they expect facilities to be accessible. They don't know that they shouldn't have those expectations. I find it's so gratifying to see young people with such pride and self-confidence. They demand services. They want everything right now. You know, we talked about this before, Carol, with Amazon. Amazon has raised people's expectations that they should expect their products to be delivered immediately. And I think young people particularly want the VR to reach out to them and to serve them quickly. And that's just not happening. I know we're doing some work on some modules that will be posting soon on rapid engagement, and that's just very exciting to me.   Carol: Yeah, I'm glad you made that plug for our rapid engagement series. So for our listeners, we are working on a really cool series that should come out and August and into September where we're going to talk about rapid engagement and some of the practices that could help you in VR to really more quickly engage with folks and hopefully then leads to better outcomes. And we're starting to see some really fun results from around the country. Four states that have entered into that. I know I'm working on a bathroom remodel right now and I just laughed because I was trying to order something off of Amazon and I thought, the contractor goes, well, it should be here by overnight tonight. But no, I have to wait four days. I'm like, What's wrong with that?   RoseAnn: That's right.   Carol: Oh, my gosh. So how do you those expectations that folks have now fit in with consumer choice and informed choice?   RoseAnn: Let me just talk a little bit about VR. And their role. I see the counselor as facilitating the dreams of people with disabilities. The counselor and the person with a disability are partners, and this is maybe new for some people or different kind of concept. People with disabilities have a right to try to reach goals that they want to reach. A good counselor can help them look at what's realistic. They can help them look at how different choices will have different consequences. But we can develop in VR interim objectives for somebody. For instance, if they pass a certain course, then they can go on to another course or the fall program. People with disabilities have a right to fail. We often learn more from our failures than from our successes, and I do see this whole concept of informed choice just playing into all of this that counselors need to honor that, respect that and support it.   Carol: I like that you said that learning from failure. I remember back to a parent when we were working with Pre-ETS students and they had that realization. They're like, I was trying so hard to protect my child from ever experiencing that failure, but they had this aha moment and we saw it in them and they went, You know what? We have to let them fail, just like we do our other children. Now, I love that you said that, Rosanne, you've talked to me before about Jo-Ann Wilson. She was the former RSA commissioner, and she had a whole philosophy about raising expectations. Can you tell us about that?   RoseAnn: Yes, absolutely. I love Joanne. I think she is a fantastic person and I really admire her. Honestly, she has never let anything get in the way of her doing what she wants to do. She travels extensively. She raised five kids. She headed up the rehab center in Louisiana before she became a commissioner. And she was a tireless advocate for people with disabilities. But one of the things that she always would talk about is one of our major barriers to success is low expectations. And she meant low expectations that people with disabilities have for themselves, low expectations that their families have for them, and low expectations that service providers have. And she would always talk about how we can just raise expectations. We would do so much to help people advance in their goals.   Carol: Those are wise words for today. They really are. They ring true even now. I think there's that soft bigotry of low expectations that still hangs around. Absolutely.   RoseAnn: Yeah.   Carol: So, RoseAnn, what are your thoughts about disability and poverty and how could we better address this?   RoseAnn: Well, unfortunately, you know, I don't have the exact data, but I do know that the percentage of individuals with disabilities living in poverty is higher than for the general population. I really think that the RSA's emphasis on good paying jobs is the key. It's not enough for someone to be placed in a minimum wage job or a job that just supplements SSI. I mean, obviously folks have choice about this. We need to be finding better jobs for people. Folks with disabilities have the same dreams as everyone else. They want to raise their families. They want to be active in their community. They want to travel, they want to have fun. And you can't do that if you don't have a good income. I think VR needs to work hard with employers to help them understand that someone with a disability can perform a job competently and as well or better than folks without disabilities. Unfortunately, Carol, there is still stigma or attitudinal barriers in our society. Some employers don't understand that folks with disabilities can be productive. And this is changing. But those barriers are still real. And I think VR needs to work on that.   Carol: Oh, you're dead on on that. I'm really hoping actually the one bright lining out of this pandemic is that it's been proven now that people working remotely, it's worked. I mean, it works really well, which can help individuals with disabilities who may have transportation barriers and other things being able to get into some good employment and employers being less critical about are they going to be able to do the job and giving them a shot for doing that and working from home. So I'm at least hoping I'm hopeful that that will prove to be true.   RoseAnn: I am, too. I think we have more flexibility now in our thinking than we did before the pandemic. And that's key because when we talk about accommodating somebody with a disability, sometimes it's just a matter of like restructuring a job a little bit or whatever. But I think that kind of like let's make it work no matter what.   Carol: Absolutely. So, RoseAnn, what do you think are things that VR is doing really well? And where do you think maybe we're missing the mark A little bit?   RoseAnn: I. First want to say that VR is a great program and I think we need to own that. There's hardly anything that cannot be provided to an individual with a disability if it's related to their employment outcome. We've got a great program to work with. I think it's exciting that VR agencies are beginning to really analyze their performance. That's one of the things I do think we're beginning to do well. I think another thing is that we have very dedicated counselors. It sure isn't the money that keeps them in the field. Right. But they're dedicated and that's wonderful. A few challenges or things that I think maybe could be better. I would love to see agencies work on getting more financial compensation for counselors. I think unfortunately, you know, we have a high turnover rate and if we paid people better, that would really help to keep them. In terms of the VR process, we allow the process to control us. We need to look at outcomes. The process in VR is good because it makes sure that people with disabilities are being treated fairly and equitably. It ensures that all the regulatory requirements are met. But that's not the end in itself. That's not what we're really all about. We're about outcomes and we need to focus our work on outcomes. Another thing I just wanted to mention, I don't think our agencies sometimes reward people on the staff who are creative and think outside the box, you know? And then the last thing I would say is we've often heard that VR is the best kept secret, but why the heck are we a best kept secret? We should be out there waiting to tell people what we do, to tell folks with disabilities, employers, other service providers, what we can offer because we are a tremendous resource. And that's an area where I think we can, we can improve.   Carol: I agree on that 100%. I know when I interviewed at State Services for the Blind, the director at the time told me, yeah, we're, you know, we're the best kept secret. I still remember that. And I remember telling staff when I got to the agency, I'm like, I don't want to be the best kept secret. We need to have people come in the door. And I love that we've got some agencies out now doing some cool things. I know David D'Angelo from Mass Commission for the Blind, he did a whole PSA campaign and it really impacted his numbers. He was, I think, one of the few programs during the pandemic, like their numbers stayed up. He wasn't losing tons of people.   RoseAnn: That's great. Yeah.   Carol: He made a big effort. And I know other folks have really been looking into that same kind of thinking, being able to get the word out so people can come in and find us. So do you have any ideas on how VR can shore up those areas where we might be missing the mark?   RoseAnn: Well, okay, so just to kind of continue along the same vein I was just talking about, first of all, I think it's really unfortunate that we lost our in-service training grants because of high staff turnover. We really need those training dollars. And I know, of course, agencies can spend their Title One funds on training. I'm sure they do. But I wish we had that dedicated funding source. if we had, I know there's a lot of training available online for counselors and maybe there'd be a way to provide incentives for people completing the training. Also, maybe some incentives for counselors who develop relationships with service providers. You know, we need our partners, Carol, to provide supports to people with disabilities that VR doesn't provide or can't provide. And so if we had folks going out and making contacts in the community and developing partnerships, I think they should be rewarded for that effort. I also think job development, that is a tough skill. It's a different set of skills than most counselors have, that's for sure. And we need dedicated folks to meet with employers and become liaisons with them and really develop jobs for folks. I mean, it is not sufficient to just give a person with a disability a link to Indeed a couple of job openings or whatever. You know, that's not what I'm talking about. I think we need to do some targeted job development more than we do.   Carol: Yeah, I couldn't agree more on that. That job development, it takes a skill set when you're doing that, and it's not always a skill set that a counselor has. And I know definitely some agencies require the counselors to do that work too. But boy, that's tough if that isn't kind of in your wheelhouse of engaging with employers that way.   RoseAnn: Right.   Carol: So Rosanne, if you had a crystal ball, what would be your predictions for VR in 20 years?   RoseAnn: Oh, my goodness. Okay. If I had a crystal ball. Well, first of all, let me say that I do believe we are at a very critical juncture right now. Unfortunately, our numbers are going down. I worry in this inflationary era whether funding for VR will become tighter. We have to prove. Our work, I think that if we offer diminished services and fewer outcomes. That's just not a good thing right now. We need to reinvent ourselves, as I talked about. We need to provide incentives for creative staff and support their creativity. We need to get our consumer partners, our individuals with disabilities to value us. And that's through working with folks with disabilities openly, honestly and being efficient. That whole rapid engagement thing we talked about earlier, educating employers about VR, what VR can do for folks with disabilities. Again, VR is a great program, but we need to market it. I see the future can be bright, but we need to do some work, I think some substantial work and we need to do it quickly.   Carol: Yeah, I agree on that. I was excited to hear the CSAVR group. I was on the director call yesterday and listening to some things that folks are doing to try to shore up recruitment, retention, and that was really encouraging with a couple of states and successes they've had. But I know the fall conference, they're focusing on some three main categories and one of them really is about outreach in the promotion of the program, which is smart. I think they're spot on and that they're in-tune to what's happening right now. So I'm encouraged about what we'll see this fall and hopefully that will get people energized across the country. So, Rosanne, I know there are a lot of people that are new to VR across the country. What advice would you give to them as they're learning and working in the program?   RoseAnn: Well, this has to be your passion. If you're new in this field, you're going to have to work hard. You're not going to get paid as much as you might if you were in some other field. So this needs to be your passion. If you truly believe that folks with disabilities have rights to full employment and should be treated equitably. You are so valuable to us and I really hope you'll stay in this field. But it's got to be a passion for you. We need you, that's for sure.   Carol: Well said. We need you, that's for sure. That is great. So, Rosanne, I just want to switch gears a minute and talk about the work you've been doing for us at the QM. You have been curating a lot of website content and also working on a project regarding long COVID. Can you tell our listeners a little bit about that work?   RoseAnn: Sure. Long COVID is something that gosh, you know, it's very distressing. When I saw the data, a very conservative estimate is that like 7.5 million individuals have long COVID. And that means that they have limitations that are characterized by having had COVID that may prevent them from working. And that's why VR needs to be involved with some of these people. And so the work that I did, which I believe has been posted, talks about when we determine that someone with long COVID has a disability for VR purposes, but it's an evolving area. Carol. I know I particularly want to be involved in keeping up to date because things are changing. There's some reports coming out of the Department of Health and Human Services just this week about long COVID and what supports people need. It's very exciting and I'm really glad that the center here is working on this.   Carol: Yeah, we really appreciate you doing that work. And for our listeners, you can find what RoseAnn has done on our VRTAC-QM.org website. And if you go to resources, you can either go on the search box or you can go to resources and look for the information on Long-covid. You'll find that right away on the page. And I know she's continuing to work on adding, so that'll be a kind of an evolving document, I believe, and going forward.   RoseAnn: right.   Carol: Yeah. We really appreciate it. So, RoseAnn, do you have any other parting words of wisdom for all of us?   RoseAnn: Carol, I don't know that I have any parting words of wisdom. I think working together, you know, at all levels, we're going to get this job done. And I'm very excited. I think we've got people with disabilities who are demanding their rights and wanting services. I think we've got people of goodwill and dedication in VR. I'm just very excited about what all this can mean. I think we need to work together, be honest with each other, communicate and really get the job done.   Carol: Well said, RoseAnn. Well, thanks for being on our program today. I really appreciate it. And I look forward to talking to you some more.   RoseAnn: Yeah. Thank you so much for having me. I've enjoyed it. I've never done a podcast before, but this has been fun.   Carol: Awesome. Well, have a great day.   RoseAnn: Thank you.   {Music} Speaker1: Conversations powered by VR, one manager at a time, one minute at a time, brought to you by the VR TAC for Quality Management. Catch all of our podcast episodes by subscribing on Apple Podcasts, Google Podcasts or wherever you listen to podcasts. Thanks for listening!

0:41 -   Peter's Introduction2:56 -   SSi Background4:52 -   Greensol & Clean Agent Protection9:20 -   SNAP (Significant New Alternative Policy) / Eco-Friendly11:05 -  What is FirePASS?16:47 -  Secondary Systems?17:44 -  Room Integrity & FirePASS23:30 - SSi Battery Solution & Lithium-Ion Fires26:50 - Peter's Experience as an Executive Director of the CFAA29:20 - Importance of Standardized Documentation 33:43 - Peter's Perspective as a Firefighter & Industry Professional37:22 - Technology Adoption in the Industry40:15 - Quick Response Round43:34 - Final Thoughts

Welcome back to the Self Storage Income podcast! The current level of inflation is out of control. With the Fed desperately trying to hedge against it by raising interest, we might be headed into, if not already in, another recession. As we mentioned in last week's episode, the market is shifting, and capital is getting more expensive. Consumer sentiments are changing as people become more frugal and increase savings. But then why did we just buy 23 facilities? All at once?? How is that even possible? Let's talk about it in this week's episode. You might have noticed that we're adding a new segment to our podcast: Comment of the Week! This is where we read one of YOUR comments posted on our social platforms – like YouTube, Instagram, Twitter, etc. – or a review from this podcast on iTunes, Spotify, or Stitcher. As much as we love sharing our knowledge and our success stories, we also love hearing the stories and feedback from you, so we're sharing them here on the podcast. Thanks for your support! ---- WE'RE HIRING - if you think you'd be a great fit for the Cedar Creek Team, contact me here: https://www.selfstorageincome.com/contact The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

David Terk of Serenitas Special Needs Planning joins us to discuss some of the basic government benefits available to this community. He helps to demystify what the different names and acronyms mean. He also gives some great tips on how to qualify and apply for things like SSI, SSDI, and IHSS. David also touches on the importance of special needs trusts and planning for the future.

In this episode of the Crack House Chronicles, Donnie interviews Ashley McCraw, daughter of Walter Vernon McCraw who was last seen by his parents on July 6, 2018 when they dropped him off at the Waffle House on 1808 E. Dixon Blvd. Shelby North Carolina. An officer found Vernon sleeping in the grass with his leg in the road just down the street at the McDonald's at 206 E. Dixon Blvd. on July 11. The officer confirmed Vernon left the area on foot. Later that day, someone turned in Vernon's ID that was found near the old police department on Lafayette Street. According to Lieutenant Jason Benfield of the Shelby Police Department, many people knew of him and would come to his aid when he needed it. “A lot of people would see Vernon and see him in diabetic distress and call an ambulance because they knew he had health issues,” said Benfield. According to the missing persons report, Kathy McCraw became concerned when her son did not show up to pick up his SSI check, which was not normal. She reached out to law enforcement Aug. 1, 2018. “The reason we waited to do something is because Vernon has gone missing in the past,” said Bryan. “We didn't know if he was off with some his buddies. We drove the streets looking for him about every day for an hour or so where he hung out at and nobody else saw him.” The family said they have experienced unspeakable pain since Vernon has been missing. Vernon suffered frostbite a year prior to his disappearance and lost his toes. His limited mobility makes Bryan wonder what happened the day Vernon disappeared, considering he could not have gotten very far on his own. “It's been like hell,” said Bryan. “We don't know what happened to him. He could not have went off on his own. If somebody can tell us where we can find Vernon, I would be glad to give them a reward.” Want to help? Investigators are asking anyone with information to call 704-484-6845. https://crackhousechronicles.com/ Check out our MERCH! https://www.teepublic.com/user/crackhousechronicles Sponsors: https://betterhelp.com/chc If you use this link or Promo Code CHC, BetterHELP will give you 10% off your first months bill.

SZ 3 moms Ep 50: Help! I Don't Understand SSI/SSDIGuest: Dani Page §  SOAR (SSI/SSDI, Outreach, Access and Recovery) certified Retired attorney. Instructor on implicit bias in the space of disability.§  Juris Doctorate§  Certified Family to Family facilitator for National Alliance on Mental Illness§  SOAR (SSI/SSDI, Outreach, Access and Recovery) certified—for individuals with behavioral health challenges who are homeless or at risk§  Presenter and facilitator on implicit bias in the space of disability  We ask:Clarification:Dani would like to clarify something from the podcast in which I participated. The maximum a disability attorney or non-attorney advocate can charge is 25% of an applicant's backpay, up to a maximum of $6,000.SSI/SSDI/SSA - please explain the differences!Who makes the disability determination? (DDS)What are the myths about SSI? Will my loved one have to stop working?How to apply - stepsDo I need an attorney?What is SOAR? Can they help? How much does it cost?What materials/records do I need to gather/create?And moreWant us to cover a topic? comment to share?Facebook page @Schizophrenia3Moms@SZ3MomsTrenches -  twitterRandye Kaye -Broadcaster, Actress, Voice Talent, Speaker, and Author (“Ben Behind his Voices”, “Happier Made Simple”)Miriam Feldman – Artist, Mom, Author “He Came in With It”Mindy Greiling – member of the Minnesota House of Representatives for twenty years. Activist, Legislator, Author (“Fix What You Can“)

Software is one of the things that the Self Storage industry desperately needs. From automating simple operations like entry gates to helping address customer issues in a quick, efficient, and contactless way. I know, "AI" and "Machine Learning" and the like are basically buzzwords at this point. But actually applying them in a meaningful way that makes a difference in your business is what really matters. Today we are discussing the possibilities with AI and system automations with co-founders Mason Levy and Rodolfo Ramirez from Swivl.ai. They integrate technologies similar to Siri and Alexa with websites and point-of-contact systems within Self Storage. What can a software program like this do for you? It can help keep track of inventory, customer service, gate code assistance, bill pay, and much more. The goal is to improve efficiency and time spent by both customers and employees. You are able to serve customers quicker with less repetition and downtime. You can reallocate your employee's time to really maximize that efficiency in a variety of different areas. You can find out more about the Swivl AI at https://tryswivl.com ---- WE'RE HIRING - if you think you'd be a great fit for the Cedar Creek Team, contact me here: https://www.selfstorageincome.com/contact The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

As you could imagine, I get a ton of questions about all things self storage investing (just look at the comments section on my YouTube channel lol), but one question I get a ton is how much money do I need to invest in self storage? And how do I get money to invest in self storage? Like so many others, most of us just don't have an extra million dollars or several million dollars just sitting around waiting to be invested. And you clearly can't invest without capital. I'm going to let you in on a little secret - NO ONE has enough money on their own to invest and grow a company as quickly and effectively as those raising capital. You simply cannot scale quickly enough on your own. Why do you think these large private equity companies do capital raises? Why do you think companies go public? But raising money or bringing in partners isn't the only way to close great self storage deals. You can also seller finance. The fact is, you can invest in self storage without a dollar of your own money. Quit focusing on the sale price and the money - focus on finding a great deal and then build the deal with partners, with conventional financing, or through creative financing such as seller financing. We take a deep dive in today's episode to talk all things financing to help get you off on the right track to building your own amazing self storage deal. WE'RE HIRING - if you think you'd be a great fit for the Cedar Creek Team, contact me here: https://www.selfstorageincome.com/contact ---- The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

Welcome back everyone to the Self Storage Income Podcast where we talk all things self storage investing! This is your host, AJ Osborne! It's been a crazy moment the past few years for the self storage industry. Valuations were through the roof, there was crazy stupid money being thrown every which way into deals that would never pencil in reality, billions have been invested into the industry by major institutions, the list goes on and on. However, this is all about to change, and it's already happening. Deals are falling out of contract, capital is beginning to retreat slightly, values are on their way to returning to some kind of normalcy again, and competition in acquisition is declining, all great things for the self storage industry. But what does this mean for you as a self storage investor? This means - you better be ready for all the great deals coming down the pipeline. You better have your team and your resources ready to find, secure, and close on self storage deals. You'll find in the coming months that deals will be easier and easier to come across and sellers will be much more willing to work with you. We cover all these aspects in todays podcast and share some ways that you too can prepare and ready yourself to be able to capitalize on the amazing opportunity that's right around the corner (not to say there isn't great opportunity right now). Tune in, take note, and get ready to invest in some self storage deals! ---- The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

Hoy hablamos del estrés y los diferentes tipos que existen para que puedas entender mejor cómo te sientes y encuentres maneras de hacerle frente.En este episodio hablamos de:Los niveles de estrés que vivimos hoy en díaLos 3 tipos de estrés más generalesTécnicas para reducir el estrésSi quieres conocer más de Despertando Podcast síguenos en nuestras redes sociales:Instagram: https://www.instagram.com/despertandopodcast/ Facebook: https://www.facebook.com/despertandopodcast TikTok: https://www.tiktok.com/@despertandopodcast YouTube: https://www.youtube.com/c/DespertandoDurmiendoPodcast Si quieres conocer más sobre nuestros podcasts visita https://www.dudasmedia.com/ See acast.com/privacy for privacy and opt-out information.

Welcome back everybody to the Self Storage Income Podcast! This is your host AJ Osborne! We've got a special guest episode lined up for you all today that I couldn't be more happy to share with you. Give a huge welcome to the self storage boss herself, Tiffannee Boss. Tiffannee started off in the real estate investment journey like a lot of us. She was reading the real estate books and listening to real estate podcasts, and figured she would start off investing in multi-family. This suddenly changed one day when she heard yours truly on the Bigger Pockets podcast talking about the incredible opportunity of self storage investing. From that day on, she's been laser focused on self storage and she's been absolutely crushing it. She's invested passively, partnered with others on deals, and recently took down a deal solo. That said, she is an absolute wealth of knowledge for any of you who are just getting started on your self storage investing journey, and this is a podcast you won't want to miss. She shares her entire story from start to finish - how she's built key relationships with lenders, owners, and partners, how she found her first deal, and the keys to success that she's used to build her investing momentum. These are the same keys we use in my business even today, and these are the same tools that you too can use to build your self storage portfolio. Keep in touch with Tiffannee: Email: tiffboss13@gmail.com Instagram: https://www.instagram.com/the_storage_boss/?hl=en ---- The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

Welcome back everybody to the Self Storage Income Podcast! This is your host AJ Osborne! As you might know, we get some pretty phenomenal guests here on the podcast who are experts in self storage investing, managing, and all things self storage honestly. But today is a special guest episode with a good friend of mine who just might have some of the most valuable and actionable insights into the self storage market that you can find. It's my pleasure to welcome back Cory Sylvester, principle of DXD Capital and one of the founders and creators of the widely used and popular Radius+ self storage market analysis platform. Needless to say, Cory has an incredible amount of data at his finger tips and is one of the most well informed individuals on the planet in regards to self storage markets everywhere. That said, this is exactly what we're going to dive into on today's podcast. We talk markets, the impact of interest rates and macro level metrics, developments versus acquisitions, and he even shares the economic metrics that he's paying the closest attention to. As you all know, we're in uncharted waters here when looking at the macro level economy. We need to be prepared for the unexpected, the worst case scenario, and we need to be able to thrive at the same time - the invaluable information that Corey shares in this episode will help you achieve that. Check out DXD Capital at: https://dxd.capital/ And give yourself the advantage with Radius+ here: https://www.radiusplus.com/ ---- The Self Storage Income Podcast is Sponsored by: Forge Building Company. Forge is our go-to building contractor for all things self-storage. In AJ's words "Forge has saved us literally hundreds of thousands of dollars on one deal alone through their ability to value engineer, improving our facility at the same time." Exclusive to SSI listeners, Forge is offering a FREE consultation and Complimentary Site Layout. Get in touch with Forge here: - https://forgebuildings.com/podcast The Self Storage Income Podcast is also sponsored by: Janus International - https://www.janusintl.com/ Live Oak Bank - liveoakbank.com/incomepodcast Tenant Inc. - https://www.tenantinc.com/ Want to invest in storage without dealing with the day-to-day operations and management? Learn more about our syndication company Cedar Creek Wealth here: https://www.cedarcreekwealth.com/ Investing in real estate is like climbing a mountain, depending on where you are on your journey, you need a different set of tools and resources so you can grow. That's why we created The Circle - the go-to real estate investment community to help people grow and scale in real estate. Find out more here: https://www.thecrecircle.com/ Want to pick up my best-selling book for free? You got it - just head over to the Self Storage Income website and download your free copy here: https://selfstorageincome.com/

«Pero el pueblo de la tierra intimidó al pueblo de Judá, y lo atemorizó para que no edificara.» (Esdras 4:4)Cuando Esdras y los cautivos retornados echaron el fundamento y empezaron a reconstruir el templo de Dios en Jerusalén, los pueblos de alrededor no tardaron mucho en reaccionar. Por algún motivo, la reconstrucción del templo les parecía una amenaza, así que sobornaron a las autoridades para entorpecer y frenar las obras en Jerusalén. Todo esto tuvo su efecto sobre los judíos. Este versículo nos dice que fueron intimidados y atemorizados. Literalmente, el texto hebreo dice que los pueblos vecinos les estaban debilitando sus manos y desgastándolos. El propósito fue sencillo: cansarlos y desanimarlos para que no siguieran con lo que Dios les había mandado a hacer. Cuando buscamos servir a Dios, siempre habrá alguien en nuestro entorno que buscará poner trabas o resaltar lo negativo. Puede que nos sentamos con las manos debilitadas y tan desgastados que la tentación será abandonar. Pero la buena noticia es que Dios tiene fuerzas más que suficientes para fortalecer y rejuvenecer nuestras manos cansadas. Por eso Pablo animaba a los coloseneses con estas palabras: “fortaleceos con todo poder, conforme a la potencia de su gloria, para toda paciencia y longanimidad” (Colosenses 1:11). Ssi tenemos a Dios de nuestra parte, ¡qué más da quién está en contra nuestra!Pidamos hoy que Dios nos dé fuerzas y ganas para seguir adelante en nuestro andar diario con Él. (David Bell)

In this episode, David Tornaberne teaches us 3 great strategies for entrepreneurs in the fitness industry to protect their income. See how he helps make his point with examples and stories while providing actionable steps. Episode Highlights: 3 Ways to Protect your Income...we cover BOTH personal & business strategies We discuss strategies to save money with Disability insurance 3 landmines to be aware of as an Online Fitness Entrepreneur Red flags to look for when working with an insurance representative Links: https://thetornabenegroup.com SSI fact sheet Email David:david@thetornabenegroup.com David's Office: 201-932-0100 Build your Financial Plan: My Financial Plan Save Taxes in your business: Free Consultation Follow me: https://www.instagram.com/thepatdarby Map How Your Money Flows: Map My Money

Magnavox debuts the Odyssey Sinclair goes color with the Spectrum Gamers grow up These stories and many more on this episode of the VGNRTM This episode we will look back at the biggest stories in and around the video game industry in May 1982. As always, we'll mostly be using magazine cover dates, and those are of course always a bit behind the actual events. Mads from the Retro Asylum is our cohost. You can find his other fine podcasts here: http://retroasylum.com and https://playthroughpod.com/ Get us on your mobile device: Android: https://www.google.com/podcasts?feed=aHR0cHM6Ly92aWRlb2dhbWVuZXdzcm9vbXRpbWVtYWNoaW5lLmxpYnN5bi5jb20vcnNz iOS: https://podcasts.apple.com/de/podcast/video-game-newsroom-time-machine And if you like what we are doing here at the podcast, don't forget to like us on your podcasting app of choice, YouTube, and/or support us on patreon! https://www.patreon.com/VGNRTM Send comments on twitter @videogamenewsr2 Or Instagram https://www.instagram.com/vgnrtm Or videogamenewsroomtimemachine@gmail.com Links: 7 Minutes in Heaven: Fantasy Video Version - https://www.patreon.com/posts/7-minutes-in-may-68261930 https://www.mobygames.com/game/fantasy Corrections: April 1982 Ep - https://www.patreon.com/posts/66505131 https://en.wikipedia.org/wiki/Medal_game https://en.wikipedia.org/wiki/Pachinko https://videogamehistorian.wordpress.com/tag/spacewar/ https://www.smithsonianmag.com/smithsonian-institution/how-first-popular-video-game-kicked-off-generations-virtual-adventure-180971020/ https://en.wikipedia.org/wiki/Sanders_Associates https://www.samsung.com/uk/tvs/tv-buying-guide/what-size-tv-should-i-get/ 1942 LaGuardia thinks pinball is responsible for naked cops https://www.nytimes.com/1942/05/18/archives/brass-in-a-pinball-device-equals-77-police-buttons.html?searchResultPosition=1 1952 JetLink flight trainer gets updated for the computer age https://www.nytimes.com/1952/05/29/archives/jet-link-trainer-undergoing-tests-earthbound-classroom-is-able-to.html?searchResultPosition=2 1972 Magnavox debuts the Odyssey https://www.nytimes.com/1972/05/11/archives/magnavox-unveils-tv-game-simulator.html?searchResultPosition=1 Nolan Bushnell signs Magnavox demo visitor log Ralph Baer - Video Games: In the Beginning pg. 76 1982 Tron to bring computer graphics to the big screen https://archive.org/details/InterfaceAge198205/page/n71/mode/1up https://archive.org/details/Softline_1982_05/page/n27/mode/1up Disney sues over Robotron https://www.nytimes.com/1982/05/04/business/disney-title-suit.html?searchResultPosition=4 Inflation and dwindling manufacturing is killing coin op profit margins Replay May 1982 pg. 14, Play Meter May 15, 1982, pg. 24 New Jersey arcade age restriction unconstitutional https://www.nytimes.com/1982/05/01/nyregion/the-region-video-game-law-upset-in-jersey.html?searchResultPosition=2 Increasing legal action banning games unites industry Play Meter May 1, 1982, pg. 15 Play Meter May 1, 1982 pg. 39 Midway eyeing legal action against video game books Play Meter May 1, 1982, pg. 24 Chuck E Cheese opens 100th store Play Meter May 1, 1982, pg. 25 Arcade games advertised in Electronic Games magazine https://archive.org/details/ElectronicGames/Electronic%20Games%20Issue%203%20%28May%201982%29/page/n13/mode/2up https://archive.org/details/ElectronicGames/Electronic%20Games%20Issue%203%20%28May%201982%29/page/n99/mode/2up Bally announces Mr. and Mrs. Pacman Pinball Games People Pay Late May 1982 pg. 5 https://pinside.com/pinball/machine/mr-and-mrs-pac-man VCS Pacman is racking up sales Play Meter, May 15, 1982, pg. 36 Bally signs deal with CBS Games People Pay Late May 1982 pg. 5 RePlay May 1982, pg. 17 CountUp to the Crash Coleco announces entry into VCS and Intellivision market https://archive.org/details/creativecomputing-1982-05/page/n77/mode/1up https://www.mobygames.com/game/atari-2600/pac-man Games by Apollo has problems with their freshman title https://archive.org/details/ElectronicGames/Electronic%20Games%20Issue%203%20%28May%201982%29/page/n8/mode/1up https://www.mobygames.com/company/apollo-inc Mattel's sales soar Playthings, May 5, 1982, pg. 15 Toy & Hobby World April-May 1982 Video Technology Ltd. introduces the Creativision https://archive.org/details/creativecomputing-1982-05/page/n75/mode/1up https://en.wikipedia.org/wiki/VTech_CreatiVision https://www.youtube.com/watch?v=nzpAz0-U3eo https://en.wikipedia.org/wiki/Texas_Instruments_TMS9918 Industry survey shows 50% of electronic users are adults Playthings May 5, 1982, pg. 40 ZX Spectrum premieres at Earl's Court https://archive.org/details/popular-computing-weekly-1982-05-06/page/n4/mode/1up Grundy launches the NewBrain https://archive.org/details/popular-computing-weekly-1982-05-06/page/n4/mode/1up Software piracy spawns an industry https://www.nytimes.com/1982/05/09/business/copycatting-in-the-software-patch.html?searchResultPosition=8 Apple sues copycat https://www.nytimes.com/1982/05/14/business/apple-computer-is-suing-franklin.html?searchResultPosition=2 https://www.old-computers.com/museum/computer.asp?c=1070 https://archive.org/details/softalkv2n09may1982/page/76/mode/1up Apple pushes for tax code change https://archive.org/details/1982-05-compute-magazine/page/n9/mode/1up http://hackeducation.com/2015/02/25/kids-cant-wait-apple Apple cancels distribution deals https://www.nytimes.com/1982/05/07/business/apple-is-upheld-on-termination.html?searchResultPosition=3 https://archive.org/details/softalkv2n09may1982/page/n168/mode/1up SSI introduces yearly updates https://archive.org/details/Computer_Gaming_World_Issue_2.3/Computer_Gaming_World_Issue_2.3/page/n5/mode/1up https://www.mobygames.com/browse/games/strategic-simulations-inc/offset,200/so,1d/list-games/ Wizardry continues with Knight of Diamonds https://archive.org/details/softalkv2n09may1982/page/14/mode/1up https://archive.org/details/Softline_1982_05/page/n15/mode/1up https://www.mobygames.com/game/wizardry-knight-of-diamonds-the-second-scenario https://www.theycreateworlds.com/transcripts/tcw114 Scott Adams' updates Adventureland https://archive.org/details/1982-05-compute-magazine/page/n181/mode/1up https://www.youtube.com/watch?v=iytuoI001Cg https://www.youtube.com/watch?v=FmD2lT5oeOE https://www.mobygames.com/game/scott-adams-graphic-adventure-1-adventureland https://en.wikipedia.org/wiki/Speak_%26_Spell_(toy) https://www.indieretronews.com/2021/12/stunt-car-racer-classic-stunt-car-game.html EA is born! https://www.linkedin.com/feed/update/urn:li:activity:6935981871193341953/ Recommended Links: The History of How We Play: https://thehistoryofhowweplay.wordpress.com/ Gaming Alexandria: https://www.gamingalexandria.com/wp/ They Create Worlds: https://tcwpodcast.podbean.com/ Digital Antiquarian: https://www.filfre.net/ The Arcade Blogger: https://arcadeblogger.com/ Retro Asylum: http://retroasylum.com/category/all-posts/ Retro Game Squad: http://retrogamesquad.libsyn.com/ Playthrough Podcast: https://playthroughpod.com/ Retromags.com: https://www.retromags.com/ Sound Effects by Ethan Johnson of History of How We Play. Copyright Karl Kuras   Find out on the VGNRTM https://www.patreon.com/posts/68285778 https://videogamenewsroomtimemachine.libsyn.com/april-1982

Settlement Services International (SSI) Team Leader, Nabaz Qadhi speaks to us about SSI's Refugee Week and its activities for the week of 19 June to 25 June 2022. The event is celebrated after two years of COVID-19 lockdowns. This year's campaign is Where You Belong, a message of welcome to all new arrivals.      - Rêvebirê tîmê Xizmetên Niştecêbûna Navneteweyî (SSI) Nebez Qadî ji me re derbarê Hefteya Penaberan ya SSI 2022 û çalakiyên wê yên ji19 Hezîranê heya 25 Hezîrana 2022 diaxafe. Bûyer piştî du salên ji qedexeyên COVID-19 vedigere û herweha behsa wergirtina penaberên nû jî dike. Kampayna îsal bi navê Where You Belong e, peyameke bi xêr hatina hemî kesên nû ye.

Please join us on as we welcome two experts in the field of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide an overview of these public benefits for Mito patients. Topics to be covered in this conference call include: Overview of SSI and SSDI programs; The differences between SSI and SSDI; Social Security’s definition of disability as it pertains to mitochondrial disease; How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts; The application and appeals processes for SSI and SSDI; Resources available to support SSI and SSDI applications and appeals processes; Information on SSI and SSDI benefits for adult disabled children; Returning to work after obtaining social security benefits (the "Ticket to Work Program"); Specific challenges for individuals with mitochondrial disease in applying for SSDI and how to address them; and The benefits of professional representation and how to evaluate representation options. About the Speakers: Annette Hines has been practicing in the areas of Special Needs, Elder Law and Estate Planning for over fifteen years. She received her JD from Howard University School of Law, her MBA from Suffolk University and her BA from the University of Vermont. Her clients include individuals and families of children with special needs, the elderly and others in the community. Ms. Hines is the mother of two daughters, one of whom passed away from mitochondrial disease in November of 2013. Her personal experience as the mother of a child with special needs fuels her passion for quality special needs planning and drives her special understanding and dedication to her practice. Prior to practicing law, she founded and directed the nonprofit home care company, Special Families-Special Care, Incorporated which created a new standard for caregiving and a greater pay scale for caregivers. After leading the company to $1.5 million in revenue and 50 employees, she merged it with Shriver Clinical Services Corporation of Natick, Massachusetts and shifted her focus to her law practice. In addition to her membership in the Massachusetts Bar Association, she is a member of the National Academy of Elder Law Attorneys (NAELA), the National Academy of Special Needs Planners (ASNP) and the Massachusetts Association of Women Lawyers (MAWL), serving most recently as President. Recognized as a Distinguished Citizen by ARC Massachusetts and cited for public service by both the Massachusetts State Senate and House of Representatives, Ms. Hines works tirelessly on behalf of people with disabilities. Ms. Hines served as President of the Massachusetts Association of Women Lawyers for 2008-2009 and serves on the Board of Directors for a number of local non-profit organizations. Tai Venuti has more than 20 years of health education, marketing, sales, community and public relations experience in nonprofit, government and corporate arenas. As Allsup's manager of strategic alliances, she develops and grows relationships with organizations that share the company's commitment to empowering people with disabilities to live lives as financially secure and healthy as possible. Ms. Venuti is a former journalist and public relations executive. She previously managed national public health campaigns for the U.S. Department of Health and Human Services. She holds a master's degree in public health from St. Louis University, a bachelor's degree in journalism from Michigan State University, and is accredited by the Public Relations Society of America.

Paul & Dan reminisce on the Advanced D&D Gold Box computer game, Pool of Radiance. Pool of Radiance was a role-playing video game developed and published by Strategic Simulations, Inc (SSI) in 1988. It was the first adaptation of TSR's Advanced Dungeons & Dragons (AD&D) fantasy role-playing game for home computers, becoming the first episode in a four-part series of D&D computer adventure games. The other games in the "Gold Box" series used the game engine pioneered in Pool of Radiance, as did later D&D titles such as the Neverwinter Nights online game. Pool of Radiance takes place in the Forgotten Realms fantasy setting, with the action centered in and around the port city of Phlan. As in traditional D&D games, the player starts by building a party of up to six characters, deciding the race, gender, class, and ability scores for each. The player's party is enlisted to help the settled part of the city by clearing out the marauding inhabitants that have taken over the surroundings. The characters move on from one area to another, battling bands of enemies as they go and ultimately confronting the powerful leader of the evil forces. During play, the player characters gain experience points, which allow them to increase their capabilities. The game primarily uses a first-person perspective, with the screen divided into sections to display pertinent textual information. During combat sequences, the display switches to a top-down "video game isometric" view. Generally well received by the gaming press, Pool of Radiance won the Origins Award for "Best Fantasy or Science Fiction Computer Game of 1988". Some reviewers criticized the game's similarities to other contemporary games and its slowness in places, but praised the game's graphics and its role-playing adventure and combat aspects. Also well-regarded was the ability to export player characters from Pool of Radiance to subsequent SSI games in the series. Wandering DMs Paul Siegel and Dan “Delta” Collins host thoughtful discussions on D&D and other TTRPGs every week. Comparing the pros and cons of every edition from the 1974 Original D&D little brown books to cutting-edge releases for 5E D&D today, we broadcast live on YouTube and Twitch so we can take viewer questions and comments on the topic of the day. Live every Sunday at 1 PM Eastern time.

On this episode of the Georgian Impact podcast, we are joined by Kaliya Young. Kaliya is an expert in self-sovereign identity. You might know her as Identity Woman. Kaliya has spent the last 20 years developing a layer on the internet based on open standards, with the goal of empowering people.You'll Hear About:● The Internet Identity Workshop that Kaliya co-founded in 2005.● What it means to have open standards for digital identity and its importance. ● What businesses would benefit most from SSI.● Challenges in creating a user-centric digital identity.● How data became siloed within a few companies.● The link between digital identity and Web3.● The need to create standards that reflect all backgrounds.

Welcome to the 15th episode of the Manager Minute. Joining Carol Pankow in the studio today is Cheryl Fuller, VR Division Director with the Texas Workforce Commission and also incoming CSAVR President. Today we will talk about Social Security's VR Cost Reimbursement program, which was authorized in 1981. The purpose of that program is to make State VR services more readily available to SSA beneficiaries with disabilities and to generate savings for the Social Security Trust Fund for SSDI beneficiaries and the General Revenue Fund for SSI recipients.   Learn how the Texas Workforce Commission uses technology and staff to maximize and track Social Security Reimbursements to help support their programs.   Listen Here You can find out more about VRTAC-QM on the web at: https://www.vrtac-qm.org/    Full Transcript   VRTAC-QM Manager Minute: Everything is Bigger in Texas- Learn How Texas Leverages SSA Reimbursement   {Music}   Speaker: Manager Minute brought to you by the VRTAC for Quality Management. Conversations powered by VR, one manager at a time, one minute at a time. Here is your host, Carol Pankow.   Carol: Welcome to the manager minute. I am so fortunate to have Cheryl Fuller, V.R. Division Director with the Texas Workforce Commission and also incoming CSAVR president, joining me in the studio today. And Cheryl, there certainly have been some very tragic things happening in your state and most recently the Uvalde School shooting. And my thoughts and prayers are with everyone affected. I know VR is typically filled with people with a lot of heart. We're kind of people people. So in light of all that's happening, how are you and your staff holding up?   Cheryl: First of all, thank you for thinking about us. This is something very much at the forefront of our minds and it's really on our hearts. And we have a field office in Uvalde about a block and a half from the school. And so it's a small community. Our staff knows everyone. I grew up in a small town myself, and I know just how wonderful it is to grow up in a small town with the support and the relationships, and that will be important for them going forward. And our agency, along with other agencies, immediately looked at what we can do, how can we help our community? Because it is our community. And we're looking at a couple of things. We're looking at some group skills training later this summer to help some of our students get ready to go back to school. And how can we do that? How can we help them think about going back to school and process that and think about some positive things that they look forward to about why they're in school, their career and growing up and getting ready to transition. And of course, we know adults also may need us. So we're redoubling our efforts to make sure that our community knows that our services are there to help them. If a few months from now they begin to have conditions that are preventing them from keeping their job. We're here to help, and we know that if we all do what we can, we will help our community work through this.   Carol: Well, I'm really glad you're at the helm because you bring that heart to it. That has just broken my heart. I'm thinking about you all. I'm praying for you guys every day. And I'm glad you're in that leadership role there to bring that to your staff and to your customers and that thought and thinking ahead for the next school year. That is so smart, so wise.   Cheryl: Well, that's our staff on the ground and it's our agency executive director. We're so fortunate to have an executive director that cares very much about our division, our programs, our customers and our staff, and was on the ground meeting with our staff and immediately asking what we can do and helping us be creative in thinking how can we help? We can do more. And so we're really fortunate to have.   Carol: I love that. That is so great to hear. Cheryl, I've known you since you started at the agency. And in fact, I don't think you probably remember this, but I was actually sitting behind you at your first CSAVR conference, and I remember thinking, Who is that lady? You were so sharp and you would ask questions like, I'm like, This gal is super intelligent. Like, Where's she come from? Because you were new to VR and you came out of the other side of the world. But I loved it because you participated right away and you've accomplished so much in your tenure. I've really always looked up to you and your leadership, not only in your agency but in the VR field as a whole. And so congrats on that new position as the incoming president of CSAVR. I know you're going to be spectacular at that job.   Cheryl: Thank you, Carol. You know, I've always looked up to you. In fact, we were following you around, as I recall, when you were president, as you tried to lead our association and lead our partnership with our federal agency to get more flexibility, which we so needed to serve students with disabilities. So I was in the group behind you going, Yeah, what Carol says.   Carol: So you are hilarious. Well, I never got to be CSAVR President, I was the NCSAB president. CSAVR Executive Committee.   Cheryl: Yeah, that's right.   Carol: I did a lot of that work through NCSAB, but you know, I was on both groups and so wow, definitely promoting those flexibilities and I'm glad they finally came through.   Cheryl: Well, thank goodness for your leadership there and your leadership with administrative changes like prior approval, I thought how has Carol already figured all of this out? And we're still trying to spell prior approval, so.   Carol: Oh, you are very sweet. Yeah, well, I'm still working on it to this day in my new role. Yes. But today we're going to talk about Social Security's VR cost reimbursement program, which was really authorized back in 1981. Right. And the purpose of that program is to make State VR services more readily available to SSI beneficiaries with disabilities and to generate savings for the Social Security Trust Fund for SSDI beneficiaries and the General Revenue Fund for SSI recipients. And so under that cost reimbursement program, the Social Security Administration will pay state VR agencies compensation in the form of reimbursement when beneficiaries served by State VR agencies enter the workforce and achieve nine continuous months of earnings. And those earnings must be at or above substantial gainful activity, and usually it's just referred to as SGA. I know for me that program income was really a game changer when I was at Minnesota Blind. I mean, it actually gave us some breathing room and we were able to do some really creative things and invest in. Our older individuals who are blind program. And so what I was thinking about who to talk to for this I of course I called Courtney. She was my person. I'm like, Courtney, what are the states out there that are doing really well with this? And you were at the top of the list. So when you look at those reimbursement levels, I know your state is out in the lead and being really efficient in getting every possible dollar. So let's dig into this. Can you give us a little picture about VR in Texas? Like what's your annual grant amount? Kind of how many staff do you have? How many customers do you serve? Paint a little picture for our listeners.   Cheryl: Sure. Our annual grant amount has been growing every year rather significantly. It's grown 23% since 2017. Wow. So our annual grant allotment is at about 300 million now. We're second to our sister state in California. Of course, California is bigger. And so we have certainly, as we've seen our grant grow, we are seeing it grow in significant part because of our population growth in Texas. We are expected to, if we haven't already surpassed the 30 million person point in Texas population, we were 27.4 in 2016 and we are now well into 30 million. In fact, I think we were leading the country in numeric growth from 2010 to 2020. Wow. Our state is growing in terms of population. Our economy is remaining strong and our grant is growing. I'll tell you our annual budget. So our grants are of course for two years, but our annual budget this year is about $276 million at the DSU level. And so when it comes to the number of folks that we're serving, if we just think about participants, which is how we now consider a number of customers serve in the most specific sense. So somebody with an IP who is also receiving services, last year it was about 65.5 thousand, so 65,514. To be specific, it's running 65 to 70000 a year is how many customers we're serving. We're doing that with a division that has about 744 positions. The vast majority of those are in the field. About 1663 of those positions are in the field. Almost 700 of them are counselors or transition VR counselors who work with students and youth, about 350 rehabilitation assistants to support them. And then we have other direct service delivery staff like our VR teachers, for example. We also have a residential training facility for individuals who are legally blind. Mark Driscoll Rehabilitation Center is in that direct service delivery group. And then of course we have regional and management unit staff also providing support oversight to our staff delivering services. So that's a picture of our system.   Carol: That's a bunch. I was doing the quick math, so I was looking at your 700 counselors divided by those 65,000 people. So you're sitting around 93 customers on average on a caseload.   Cheryl: On average.   Carol: Absolutely. I just have to ask, have you seen any changes as a result of the pandemic with individuals coming in starting to experience the long COVID or anything like that?   Cheryl: You know, we've seen just a handful. We have seen some. It's not big numbers. And I think as individuals experiencing long COVID work through what that is, what it means to them, whether it represents an impediment to their ability to keep a job or get a job or advance in their job. I think we may see more of that. And right now, it still seems like it's quite a new field of study. And these folks are trying to figure out where their resources are and how they're going to work through these symptoms that stay with them for a long time.   Carol: Yeah, absolutely. I'm just thinking that might end up coming your way given all that huge growth in population, for sure. That definitely is. People were all moving to Texas. I see it on Facebook all the time. I've had several friends moved down to Texas, so I get it.   Cheryl: Well, it's hot here right now, so they might be questioning that decision. It's supposed to be I think we're supposed to get to 107 over the weekend, so.   Carol: ]Yeah, I saw that on the news. It's looking blistering, definitely. So tell me about what resources you've been able to put into your SSA reimbursement like both people and technology?   Cheryl: Well, we have had, I would say on the technology side, a game changer over ten years ago, and that is using the Morrow Ticket Tracker system. This system significantly improved not only our efficiency, but the number of claims we were able to successfully process. And for those of you who don't know, it's called the Vocational Rehabilitation Ticket to Work Reimbursement Tracker Program or Tracker. What it does is it tracks and processes traditional reimbursements and ticket to work payments. What the system does. For us as it collects data from our agency case management system. It connects that with external data, which is still internal to us in our agency, which is unemployment insurance, wage records, state verification and exchange information, other types of information. And what it does is it identifies cases that may be ready to be submitted as a claim, may be ready to be submitted as a claim is really important because that's where the other resource we have comes in that is so incredibly valuable to us. We have two dedicated staff in our finance division at the DSA level, and this is all these two staff. Do they use the systems that we have, including Ticket Tracker? They identify claims that may be eligible for us to submit for reimbursement and then they go over those claims with a fine tooth comb because they know the top reasons why a claim may be denied. And, so just because it pops up in that system doesn't mean you just send it in. You go over it with a fine tooth comb, and then they submit it for reimbursement, and then they follow through and then they double check payments when we receive them. And if they think we received a low payment and we can make a case for more of a reimbursement, they submit that for consideration, the level of rigor that these two staff apply to this process is why we have such a low denial rate and why we're able to be so successful. So I call them our secret sauce. They are fantastic. They also coach our counselors in how to help a customer with a ticket assignment. And so what to do with the ticket assignment? Our counselors can reach out to them for help. They're sleuths. They'll look at possible match and say, Wait a minute, I think this date of birth or season, we might need to make a correction here. And so they'll identify that and work with our staff, if necessary, to make data corrections. They are just incredible. And the combination of those two things has helped us be quite successful in submitting claims and receiving those reimbursements.   Carol: I'm really glad you mentioned both of those because I remember going to a conference, I think it was like in 2013 and there were poster sessions up and they had the moral ticket tracker and I'm going, What is this? Because we were doing this old pencil paper, we were getting maybe 400,000 a year or something. And once we got the tracker in, it was not a huge investment. I was super surprised it was a low dollar amount. We never went under $1,000,000 after that. We were a small agency. I'm like, What is happening was amazing, but I think you're right. Having a secret source like you had your two women that were your secret source. So I had Courtney. She was our secret. She was amazing at that. You know, I think you have to dedicate some resource. And I know there are definitely some agencies struggling right now, and I know there are a number of folks that are not actually submitting for reimbursement right now. They just haven't been able to land and figure that out. But those are two important pieces to the equation.   Cheryl: Very important and sharing. And I would tell you that because I asked them in preparing for this podcast, I talked to them and I said, Sherri and Annie, what would you recommend? And they said, Well, first ticket tracker.   Carol: Yeah.   Cheryl: And second, check every claim go through every detail of the fine tooth comb.   Carol: Got it. Good advice. That is good. Yes. So I know you've had some recent struggles with your SSA reimbursement and I understood some of the rules changed. You had some things that well, the rules change and it's impacted the amount of the recovery that you've been able to get. So can you talk a little more about that?   Cheryl: I can talk a little bit about it, and then I will make sure not to get out of my depth, because I did talk to Sherri and Annie about this extensively and it reminded me all over again why they're experts and why I'm doing what I'm doing. And so what I would say, kind of overall, as with any program rules, over time, SSA makes adjustments to submission, how we submit what is accepted. And so it's very important that we as well as all the other agencies that are participating in this program, stay on top of those changes and understand that our sister agencies at the federal level will also be making adjustments, and some of those may take some time for them and us. And in the meanwhile, that affects the rate at which you may be getting your claims paid. It may affect whether you're getting your claims paid. And one of the things that specifically has changed over time is what is accepted is proof of employment, particularly when somebody is working in another state. Right. So what used to be accepted is verification of that is no longer. And so we used to be able to show the information collected in our case management system as a valid submission for reimbursement. Now we need something more rigorous. And so we're working through how we connect with our Swiss data, because otherwise we would continue to lose valuable reimbursements for people working in other states, like a pharmacist in California. They could see it, but we needed that proof so that that claim could be paid. And. So it's really being and VR professionals are fantastic at this, but it's being on top of changes and being flexible to deal with them and really trying to work in partnership with our federal agencies to make sure we're all understanding what is required and doing our best to achieve that.   Carol: You might have to drive out to California and take a picture of that pharmacist, if that would be allowed.   Cheryl: I know, I know. I thought, man, what a fantastic outcome for VR, though, right?   Carol: Absolutely. That is incredible. Oh, gosh. I knew those changes had happened, but it was after I left, so I wasn't sure the nuances. So that makes some sense to me. Definitely. So I know you also had something really unique happen with your legislature and your SSA reimbursement, so tell us a little about that.   Cheryl: Well, in 2016, September 1st of 2016, our legacy agency, the Department of Assistive and Rehabilitative Services, was abolished, and the programs in our legacy agency were transferred by the legislature, either to the Texas Workforce Commission, which is where VR, older, blind, our Randolph Sheppard program, for example, all went. And then the other programs went to the Health and Human Services Commission that included our blind children's program. Our program for those that have traumatic brain or spinal cord injury, are deaf and hard of hearing services that we had, as well as independent living. So independent living part B, part C that went to Health and Human Services and they became the designated state entity for those programs. What we had done historically, though, at our legacy agency is that we had used our program income to expand and enhance our independent living services programs, including older lines. It was just an incredible value to us at our legacy agency that those dollars, because you can use your program income to support other programs funded by the Rehabilitation Act, that those dollars could really strengthen important programs in independent living. And so when we transferred to TWC from DAAS, the Legislature appropriated some of our program income back to the Health and Human Services Commission for continued support for those independent living services programs. That's really important because as we have changes in agency structure, we want to maintain the quality of service that we're providing to our customers, whether they're VR, old or blind, independent living, whatever the case may be. And this is not something that VR agencies may be accustomed to. We know you cannot appropriate vocational rehabilitation grant funds outside of the agency. Right. The VR agency. But with program income, the statute says the state. And so the legislature may appropriate that outside of the agency and did so, $8.5 million per year is appropriated in our appropriations bill pattern to the Health and Human Services Commission to provide continued support to those independent living services programs.   Carol: So how does that relate then to how much you get in program income? Wow.   Cheryl: We collect about $20 Million a year in program income. We have had years where it was higher significantly. So I think our highest year was 33 million. Wow. Sometimes that has to do with when claims are paid versus when you submit the claim. But we can look at about $20 Million a year. So it represents a significant part of our program income and it's also the largest method of finance for those independent living programs back at our sister agency.   Carol: That's pretty incredible. It's kind of it's a little scary to think that they designated a dollar amount versus saying we're going to take 20% or we're going to take a percentage, which would make it a little easier. As there's fluctuations, you're not held to that particular threshold.   Cheryl: Certainly that's something we keep our eye on. And I'm sure that our policymakers and appropriators were concerned about keeping the programs whole. So I understand why they would have been concerned to make sure our independent living programs remain strong and healthy. But we certainly do watch that pretty carefully.   Carol: Oh, I'm sure, absolutely. So I know you're also looking at doing some good stuff moving forward and expanding your older individuals who are blind program with the SSA dollars. So what are you thinking about with that?   Cheryl: Well, I have a lot of favorites. The older blind program is one of my favorites. It is such a gem of a program when we think about I think the number is one in six adults age 65 and over will experience some type of age related macular degeneration. And you think about the growing population in our state and the fact that that grant is a really small grant that stayed small for a long time. We and our stakeholders just want very much to serve more. We want to serve more. Seniors who are learning to live with less vision, experiencing that vision loss, and we want to provide more services for them. And one of the ways we can do that is looking at our program income, say, can we invest some of this program income in expanding this program? And we took a little step to do that last year to see how it's going. We added a few staff and we were able to increase our client services a little bit. And now we want to really move in the direction to maximizing that program income to expand that program, not only to add staff. Because in the state this size, our OIC grants was a little over 2 million, maybe 2.2 million a year and by the time we add our match funds, we're at about 2.5 million. That's very small for the population that could really benefit from these services. And so we would like to add more staff across the state so that we're present in more communities and there's not so much windshield time for our staff. But also we'd like to really enhance some of the services that we provide, including offering a one week residential program similar to what we might see in our Chris Cole Rehabilitation Center that's focused on VR. How could we have a one week residential program where a seniors could come and really get support and encouragement from other seniors experiencing vision loss and learn some of those skills where they can just focus on learning those skills in a group and in a supportive cohort and making friends and kind of working through some of the fear associated with vision loss and really gaining their confidence. We also want to do that on a daily basis. So if somebody doesn't want to go away for a week, they could go into a center in a day program. So we want to start working toward those kind of activities to really enhance the services as well as serving more people.   Carol: I love that. Well, the OIB program is near and dear to my heart, Too.   Cheryl: I just love that.   Carol: That was one of my places when stuff was all kind of going crazy. I'd go down and talk with the staff from there. I loved it and the stories they'd have, and I'd get these little sweet letters from some of the individuals that we helped to assist. It was lovely. I just think the work done there has been so important for quality of life for people in your later years. You know, yeah, I'm thinking about you with your $2 million. And I mean, my grant was like a half a million dollars. And we're in little, tiny Minnesota with 6 million people. And you've got 30 million people. Yeah, proportionately, it doesn't seem like a lot, but I think you're on the right track with that. We had a lot of success in doing group training with the seniors and like you say, developing that cohort and people to support each other. It really does work well. So I hope you have great success with that.   Cheryl: I hope so. It's such a fantastic program. My granddaddy was legally blind from a very young age and his sight got worse as he got older. And I just think about all the things if he had had access to a program like this, that could have made it easier for him.   Carol: Yep. I had a grandma. I had a grandma too. She lived in 98 with macular degeneration. I remember visiting her one day, went to her house and knocking on doors. She lived over in North Dakota. She's about 10 hours away, but she didn't know who I was, you know, because she couldn't see me. And so I'm talking to her for a long time that it took her while she's like, oh, you know, before she let me in the door, because, like, what's this strange lady doing at my door? Yes, but it would have been so great if I would have had one of our staff could have gone out and helped her and her house and all the bump dots and getting things situated for it would have made it so much easier. I completely understand. Absolutely.   Cheryl: That's what I think about.   Carol: Well, that's the beauty with that program income where you're able to help invest in a program like that. It really is important. Now, I know some other of your agencies are really struggling. They're not submitting their claims for reimbursement. They're not really putting this on the priority list. So what kind of what advice would you give to our listeners about SSA reimbursement if they're sitting back kind of going, wow, we haven't paid this much attention right now and we're doing other things. What advice would you give to them?   Cheryl: Well, first, I have all the sympathy in the world for our sister agencies. I don't know of one agency that doesn't have a full to overflowing plate. And we're all trying to figure out how we can improve our services, how we can be continuously improving, how we can adapt to the environment around us, which is changing so significantly just due to COVID. So, boy, I know we all have a lot on our plates, but this source of income for us is allowing us to expand a program that is really underfunded for the size of a state. We have just the incredible difference it can make in the lives of people who may have had their sight for years and years. And now they're losing it and they're scared to death and we can be there to help. And that's just one way we can think about using our program in. So I would encourage agencies that may not have tackled this yet or may have struggled with it in the past to just think through it, think through what the opportunity is, how much you might be leaving on the table, what you could do with those dollars. And there's help out there to figure out what you're doing if you need some systems. There are systems out there. The ticket tracker is a great system. There are people out there that can provide support and help you as you develop dedicated staff. But I would make sure if you want to jump in and I encourage you to get the system you need and get the people who make it a priority because it is what they do and you will benefit and you will be able to do with those programming dollars some innovative things to support your programs, whether it's VR or older, blind or independent living.   Carol: Well said. And I believe VR still has a cost reimbursement group. So they always had a little a group that got together and they do some specific training. I remember sending Courtney and other people out to that training and they developed quite a cohort themselves of folks to rely on. I remember her calling Virginia people, you know, different folks that she got to meet through the training. And so definitely that can be a resource as well.   Cheryl: That's the great thing about the VR world. I've learned so much from other states, from you, from some of my colleagues in other states. We are there for each other. CSAVR and NASAB are great avenues to pursue to make sure your staff are connected to other people who do that work and can support them.   Carol: Yeah, I love that. I love that. So I cannot leave this episode though, without asking you about your upcoming presidency on July 1st. It's CSA VR. So I just wondered, what are you hoping to accomplish next year? Do you have any things that you want to tackle?   Cheryl: Well, first of all, it's a big job and there have been some fantastic people in this role over the years. And so my goal would really be to continue the conversation that we began at CSA VR a couple of years ago and that we're having with each other as VR agencies at the association level offline and also with our federal partner. And that is how can we understanding the trends that are affecting the VR program nationally? And by that I mean fewer people applying, fewer people being determined eligible, fewer people achieving employment outcomes. How can we work together to understand what's driving those trends and to be innovative and collaborative as a system, as a national program about how we can address those trends. And I'm excited about the opportunity we have as an association to add value to the member agencies, because we're all working on some of these things. We're all working on recruiting and retaining staff because if you don't recruit and retain staff, you don't have people to serve your customers and making sure they're prepared and trained well so that you can serve your customers with the level of expertise that we all want to have at the table for the benefit of our customers. We're all looking at what we need to do to improve our processes. Our processes need to evolve just as all processes in businesses around the country. So how is the VR process evolving to meet the needs and expectations of the customers in 2022? And we're all working how we can be visible to our communities, be available, make sure they know we're here. How can we be doing outreach and communicating about the difference our program makes? These are things we can all work on together, and I think that CSA VR in partnership with CSA B and collaborating across states can really add some value to that conversation and support all of us out here in the States who are working hard to make our programs the best that they can be.   Carol: I love that. I look forward to following you this next year. It's going to be super fun, super fun to watch. So thanks for joining me, Cheryl. I know you're super busy and I really appreciate your time. I hope you have a great day.   Cheryl: Thank you, Carol. Thanks so much for having me.   {Music} Speaker: Conversations powered by VR, one manager at a time, one minute at a time. Brought to you by the VRTAC for Quality Management. Catch all of our podcast episodes by subscribing on Apple Podcasts, Google Podcast, or wherever you listen to podcasts. Thanks for listening.

No insurance? No problem. Blueberry Pharmacy in Pittsburgh is forging the path for a new kind of pharmacy. By cutting out the middlemen in the supply chain, Blueberry Pharmacy is able to provide its customers with inexpensive medications. It's more transparent, and preserves the personal touch of an independent community pharmacy.How's it possible? Founder Kyle McCormick shares how his patients pay such low prices, and what the future of prescription drug access could look like with this model.Plus, if you need to apply for SSI or SSDI, cancer legal expert Monica Bryant has you covered. She speaks with Terry about what all patients should know about these programs and how to access this insurance.And speaking of disability insurance, hear from patient correspondent Lori Long. She discusses an SSDI policy currently in place that would cause her to lose her insurance if she gets married. Hosts: Terry Wilcox, Executive Director, Patients RisingDr. Robert Goldberg, “Dr. Bob,” Co-Founder and Vice President of the Center for Medicine in the Public InterestGuests:Dr. Kyle McCormick, Founder and Pharmacist, Blueberry Pharmacy Monica Bryant, COO, Triage CancerLori Long, Patient Correspondent Links: AARP's Billion Dollar BountyUnderstanding Insulin PricesBlueberry Pharmacy Kyle McCormick's Medium Article, “Imitation is the sincerest form of flattery”How PBMs Raise Costs for Patients + PharmaciesCan Mark Cuban Deliver Cheaper RX? Marriage, Ableism, and Social Security Disability - Patients RisingNeed help?The successful patient is one who can get what they need when they need it. We all know insurance slows us down, so why not take matters into your own hands? Our Navigator is an online tool that allows you to search a massive network of health-related resources using your zip code so you get local results. Get proactive and become a more successful patient right now at PatientsRisingConcierge.orgHave a question or comment about the show, or want to suggest a show topic or share your story as a patient correspondent?Drop us a line: podcast@patientsrising.org

For years, Kentucky attorney Eric C. Conn defrauded the Social Security Administration out of hundreds of millions of dollars by paying a judge to fast-track approval of SSI cases without even looking at evidence. The story is documented in the Apple TV+ series The Big Conn, which shines the spotlight on the WSJ reporter who first brought the story to the nation, the whistleblowers who flagged the story for their agency and the thousands of people whose benefits were ripped away when Conn's scheme was found out.  The four-part series is available on Apple TV+. Journalist Damian Paletta, who broke the Conn story, and executive producers Brian Lazarte and James Lee Hernandez joined the podcast to discuss Conn, the series and the role of government in the story of this massive case of fraud.

Today we talk military life, finances and Autism with Rich Davis. Rich retired after a 28-year career in the US Navy as a helicopter pilot. He and his family reside in Roanoke, Virginia where he volunteers with his church, as the education coordinator for a local museum, and where he is involved with the local art scene as a photographer. He has an adult son with autism who lives with he and his wife and works in the community. We'll discuss a whole range of topics, including:  The Exceptional Family Member Program (EFMP). Tricare access at all stages of life. Why the Incapacitated Designation could leave you interacting with Medicaid instead. How constant moves and waiver waitlists can sometimes keep military families perpetually paying for services out-of-pocket. How Rich's son and his family use his ABLE account. How they're using supplemental needs trusts. A life lesson in why it is so important to educate your extended family members on asset tests and best asset sheltering practices. 2015 changes to Survivor Benefit Plans (SBPs) that allow you to pass on the benefit without impacting SSI. How you might end up knowing more about disability in the military than the military ‘experts you end up interfacing with.   Arianne's friend's GoFundMe: https://www.gofundme.com/f/eliahna-Torres   Check out Rich's photography: https://www.photographybyrichdavis.com/   Doug Nordman's books: https://amzn.to/3NSIzhc *   Kate Horrell, the Military Finance Coach: https://www.katehorrell.com/   Supplemental Needs Trust Episode:  https://momautismmoney.com/special-needs-trusts/   ABLE Account Episode: https://momautismmoney.com/able-accounts/   Episode with Medicaid Researchers: https://momautismmoney.com/autism-medicaid/   How to Apply for SSI Episode: https://momautismmoney.com/successfully-apply-ssi-ssdi/   Like Mom Autism Money on Facebook: https://www.facebook.com/MomAutismMoney   Full Episode Transcript: https://momautismmoney.com/military-autistic-child   *Affiliate link. Thank you for supporting the podcast!

In today's episode, Marcela and McKenzie explore Data for Progress polling and message guidance on Rick Scott and his 11-point plan to "Rescue America".  Spoiler alert: A plan that includes raising taxes on Americans making udner $100K and phasing out Social Security and Medicare after five years isn't very popular with voters. Our polling and message guidance can help Democrats go on the offense against Rick Scott and the Republican Party.   Questions? Comments? Feedback? Email us at info@dataforprogress.org.   About Data for Progress Our Polling Methodology   PRODUCED BY: Marcela Mulholland McKenzie Wilson Carly Berke Devi Ruia Grace Adcox   MUSIC BY: chelliah   MIXED BY: Jack Wright   COVER DESIGN BY: Ed Ryan   SPECIAL THANKS TO: Blue Rose Research