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In recent years there has been a growing need for transparency within sustainable action taken by businesses. This is due to the rampant increase in greenwashing, which only serves to diminish the focus on genuine efforts, in addition to creating a culture of mistrust within stakeholders and consumers. To combat this, certain organisations have taken on the task of encouraging and supporting the accurate public disclosure of environmental data. Such is the case with today's focus, the Carbon Disclosure Project (CDP). In this episode Mel Blackmore discusses what the Carbon Disclosure Project is, what is required to earn an A rating, provides some tips on how to get that A rating and explains the pros and cons with getting involved with the project.    You'll learn ·      What is the Carbon Disclosure Project? ·      What are the requirements to achieve an A rating? ·      Top tips for earning an A rating in the CDP ·      What are the advantages of earning a CDP rating? ·      What are the disadvantages of getting involved with the CDP?   Resources ·      Carbon Disclosure Project ·      Carbonology ·      Contribute to Mel's carbon verification commitment research by taking her Survey   In this episode, we talk about: [02:05] Episode Summary – Mel discusses the Carbon Disclosure project, including what's involved with taking part, how to achieve an A rating and the pros and cons of the project.    [03:00] Why is there a need for the CDP? An increased number of investors and financial institutions, in addition to clients are demanding more than just financial reports. They want to know what a company's environmental footprint is, and at this point, it's time to move on beyond simply making pledges. Ultimately, key stakeholders are looking for a commitment to sustainability and for accessible information to help them understand how an organisation is managing its climate risks and opportunities. This is where CDP comes in. A key component of getting the coveted A rating within CDP involves independent verification of greenhouse gas emissions. [04:45] What is the Carbon Disclosure Project? CDP is a global non-profit that runs the world's leading environmental disclosure system. For over two decades, it has revolutionized how companies, cities, states, and regions report their environmental impacts. They ask thousands of organizations to disclose data on climate change, water security, and deforestation. This data is then used by investors, purchasers, and policymakers to make informed decisions. The CDP questionnaire covers a wide range of topics, from governance and strategy to risk management, targets, and of course, greenhouse gas emissions. Companies receive a score from D- to A based on the completeness of their reporting, their level of awareness of environmental issues, their management of those issues, and ultimately, their leadership in addressing them. [05:40] We want to hear from you: Mel is currently running some research around CDP and the key drivers behind carbon emission verification, and would appreciate your feedback if you have a few minutes to spare. The results are completely anonymous, and it should only take 5 – 10 minutes. You can take the survey here. Thank you in advance to any contributors! [09:10] What is required to achieve an A Rating? – There are a number of key requirements, including:- 1.    Comprehensive Disclosure and Data Quality: This is foundational. You need to provide accurate and complete data across all relevant sections of the CDP questionnaire. This includes detailed information on your Scope 1, Scope 2, and increasingly, your Scope 3 GHG emissions. 2.    Strong Governance and Strategy: CDP looks for clear evidence that environmental issues are integrated into your company's core business strategy and that there's robust board and management oversight of climate-related matters. This means having a defined climate strategy, understanding your climate-related risks and opportunities, and demonstrating how you're incorporating these into your financial planning. 3.    Verified Data: To truly hit that "A" list, your Scope 1 and Scope 2 GHG emissions, and a significant portion of your Scope 3, must be independently verified. This isn't just a suggestion; it's an essential criterion for the leadership level. Independent verification provides crucial assurance to stakeholders that your reported emissions data is accurate, reliable, and trustworthy. It also minimises the risk of “Greenwashing”. 4.    Science-Based Targets and a Robust Climate Transition Plan: CDP is increasingly emphasizing the need for companies to set ambitious, science-based targets for emissions reductions, aligned with a 1.5°C global warming scenario. In addition, having a publicly available, credible climate transition plan that outlines how you will achieve these targets, including specific actions, metrics, and progress tracking mechanisms, is now a must for "A" list companies. 5.    Value Chain Engagement: For many companies, the most significant emissions lie within their supply chain. To achieve an "A" rating, you'll need to demonstrate robust engagement with your suppliers to measure and reduce their emissions, and address environmental impacts across your entire value chain. 6.    Continuous Improvement and Transparency: The "A" rating isn't a one-off achievement. It reflects a commitment to continuous improvement in your environmental performance and a willingness to be transparent about your journey, including challenges and successes. [15:05] Top tips for achieving a CDP A Rating:- Tip 1: Plan Ahead and Start Early. CDP reporting is an annual cycle, and it's complex. Don't wait until the last minute! Start gathering your data, assessing your internal processes, and identifying any gaps well in advance. This includes planning for your verification process. Tip 2: Invest in Robust Data Management Systems. Accurate and comprehensive data collection is paramount. Consider leveraging sustainability software that can help you track, calculate, and manage your GHG emissions data efficiently. This reduces manual errors and streamlines the reporting process. Tip 3: Understand the Verification Process. This is where an accredited verification body, like Carbonology, becomes invaluable. Verification Bodies work to an internationally recognized standard, typically ISO 14064-3, to ensure the accuracy and reliability of your GHG emissions data. The process involves: ·      Defining the scope: What emissions are being verified? ·      Data review: Examining your underlying data, methodologies, and calculations. ·      Site visits (where applicable): Physically verifying operational data. ·      Report generation: Providing an assurance statement on the accuracy of your emissions. Tip 4: Engage with a CDP-Accredited Verification Body. CDP specifically requires third-party verification from an independent external organization that is accredited and competent. Look for bodies with proven experience and accreditation to international standards like ISO 14064. They can guide you through the process, identify areas for improvement, and ensure your data meets the stringent requirements for leadership points. Tip 5: Conduct a Gap Analysis. Before you even begin your disclosure, perform a thorough gap assessment against the latest CDP questionnaire and essential criteria. This will highlight areas where your current disclosures fall short and allow you to address them proactively. Tip 6: Focus on Quality over Quantity. While comprehensive disclosure is important, ensure the quality and accuracy of your data. It's better to provide high-quality, verified data for a focused set of emissions than to report broadly with unverified or unreliable numbers. Tip 7: Train Your Team. Ensure your internal team understands the CDP requirements and best practices for sustainability reporting and data collection. Building internal capacity is essential for maintaining high-quality disclosures year after year. [20:35] The pros of voluntary disclosures: Enhanced Reputation and Brand Value: Disclosing and performing well on platforms like CDP showcases your commitment to environmental responsibility. This can significantly boost your reputation among customers, employees, and the wider public, attracting conscious consumers and talent. Risk Management and Resilience: The disclosure process forces companies to identify and assess their environmental risks – from climate change impacts to resource scarcity. This proactive approach allows for better risk mitigation strategies, building greater business resilience. Cost Savings and Operational Efficiency: The process of measuring and managing environmental impacts often reveals opportunities for greater efficiency, such as reduced energy consumption, waste reduction, and optimized resource use, leading to tangible cost savings. Competitive Advantage: Being a leader in environmental transparency can differentiate your company in the marketplace, especially as sustainability becomes a key consideration for clients and supply chain partners. Competitive Advantage: Being a leader in environmental transparency can differentiate your company in the marketplace, especially as sustainability becomes a key consideration for clients and supply chain partners. Preparation for Future Regulation: Voluntary disclosure puts you ahead of the curve. As environmental regulations become increasingly stringent globally, companies with established reporting mechanisms will be better prepared to meet mandatory requirements. Innovation and Strategic Planning: The disclosure process encourages long-term strategic planning around environmental impact, driving innovation in products, services, and processes. Benchmarking and Peer Learning: CDP provides a framework for measuring and tracking your performance over time and allows you to benchmark yourself against industry peers, identifying areas for improvement and learning from best practices. [14:15] The cons of voluntary disclosures?: Resource Intensive: Comprehensive ESG reporting, especially to the level required for an "A" rating, can be costly and time-consuming, particularly for smaller companies with limited resources. It requires dedicated personnel, data collection, and often external consulting or verification services. Risk of Greenwashing: If disclosure isn't backed by genuine action and verified data, there's a significant risk of "greenwashing" – providing a misleading impression of your sustainability efforts. This can lead to reputational damage, loss of trust, and even legal scrutiny if claims are found to be unsubstantiated. This is precisely why independent verification is so crucial. Lack of Accountability (without verification): Without external verification or assurance, the reliability and accuracy of self-reported data can be questioned, diminishing the value and trustworthiness of the disclosure. This is a major concern for investors who demand the same robustness for non-financial data as they do for financial data. Potential for Negative Public Scrutiny: Once you disclose, your data is public. This means your environmental performance, or lack thereof, can be scrutinized by activists, media, and the public. Companies must be prepared to address any critical feedback. If you'd like any assistance with carbon verification, get in touch with Carbonology, they'd be happy to help! We'd love to hear your views and comments about the ISO Show, here's how: ●     Share the ISO Show on Twitter or Linkedin ●     Leave an honest review on iTunes or Soundcloud. Your ratings and reviews really help and we read each one. Subscribe to keep up-to-date with our latest episodes: Stitcher | Spotify | YouTube |iTunes | Soundcloud | Mailing List

Whether you're training in the summer heat or preparing for a race in hot conditions, this episode will cover how the heat affects your body, how to adjust your workouts, and tips for staying safe while training in the warmer months.

It's been announced that Warren Buffett is stepping down as CEO of Berkshire Hathaway. In this episode, I'll discuss Buffett's humble beginnings, his approach to investing, and the philosophy that built one of the most successful companies in history. I'll also break down Warren Buffett's wisdom into seven powerful, practical tips that align with my own approach to advising clients. Listen for tips on starting your investment journey early, staying the course during tough markets, and prioritizing temperament over intellect.  You will want to hear this episode if you are interested in... [00:00] Principles of Warren Buffett's investing strategies. [05:55] Buffett co-founded The Giving Pledge, pledging 99% of his wealth, and influencing other billionaires. [07:08] Berkshire Hathaway class A shares have averaged a 19% annual return since 1966, vastly outperforming the S&P 500's 11%. [12:41] Invest early, stay committed through market ups and downs, and be fearful when others are greedy and greedy when others are fearful. [17:03] Warren Buffett advises most people to use index funds due to the difficulty of replicating his results. [18:43] Make investment decisions based on facts, not emotions. Investment Lessons from Warren Buffett Warren Buffett, often called the “Oracle of Omaha,” has long been considered one of the greatest investors of all time. His recent announcement that he will step down as CEO of Berkshire Hathaway after more than six decades is the perfect time to reflect on what sets Buffett apart, not just as an investor but as an individual. This episode digs into key lessons from Buffett's life and career, exploring practical ways to apply his wisdom to your financial journey. From Humble Beginnings to Monumental Success Warren Buffett's rise didn't begin in a Wall Street boardroom, but in Omaha, Nebraska, where he was born in 1930. From an early age, Buffett showed an affinity for entrepreneurship, selling chewing gum, Coca-Cola, and magazines as a child. His formal education at the University of Nebraska, Wharton Business School, and Columbia University (where he studied under the legendary Benjamin Graham) laid the foundation for his value investing philosophy. Buffett started his first investment partnership in 1956 with $105,100, much of it from family and friends. By the age of 32, he was a millionaire. His acquisition of Berkshire Hathaway, a struggling textile company at the time, became the launchpad for one of the most successful investment conglomerates in history. The Power of Modesty and Discipline Despite amassing unparalleled wealth, Buffett is renowned for his modest lifestyle. He still lives in the house he purchased in 1958 for $31,000 and drives an older model Cadillac, proving that frugality and comfort often go hand in hand. This modesty is more than a quirk; it's a testament to his belief that wealth should serve a purpose beyond personal extravagance. Buffett's philanthropic efforts are equally legendary. Through The Giving Pledge (co-founded with Bill and Melinda Gates), he's committed to donating more than 99% of his fortune. For Buffett, investing is not just about making money, it's about stewarding resources responsibly and generously. Berkshire Hathaway's Long-Term Outperformance Under Buffett's leadership, Berkshire Hathaway's stock has delivered returns averaging 19% annually since 1966, trouncing the S&P 500's historical average of 11%. One share of Berkshire's Class A stock now costs nearly $800,000, a figure that tells the story of sustained outperformance. Buffett has also issued Class B shares at a lower price tag to democratize access for smaller investors, reflecting his desire to make wealth-building accessible. Buffett's Top Investing Lessons 1. Don't Lose Money Buffett's two most famous rules are simple: “Rule number one: don't lose money. Rule number two: don't forget rule number one.” He emphasizes buying quality businesses with durable competitive advantages rather than taking risks on struggling firms with unsustainable dividends. 2. Start Early and Stay the Course In his book The Snowball, Buffett likens investing to rolling a snowball down a long hill: the earlier you start, the bigger the results. Even if you're approaching retirement, encouraging the younger generation to invest early can yield enormous benefits over time. 3. Remaining Committed Through Market Ups and Downs is Equally Vital Buffett urges consistent investing, especially when markets are turbulent. Staying invested and buying during downturns can lead to significant long-term gains. 4. Be Fearful When Others Are Greedy Buffett's contrarian mindset, being “fearful when others are greedy, and greedy when others are fearful”, has served him well during market panics. While it's emotionally taxing to buy during selloffs, history shows that long-term investors are often rewarded. 5. Buy Great Companies at Fair Prices Rather than chasing bargains, focus on acquiring well-run businesses at reasonable valuations. Many of Buffett's best investments, Apple, Coca-Cola, and American Express, embody this approach. 6. Focus on Buying and Holding Low-cost Index Funds Buffett believes this is the simplest and most effective long-term investment strategy because it provides broad market exposure while keeping fees to a minimum, both of which are important for building wealth over time. 7. Temperament Is Key According to Buffett, success in investing is more about temperament than IQ. The ability to remain rational and stick to your plan, regardless of market noise, is what separates great investors from the rest. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  The Snowball by Warren Buffett The Intelligent Investor: The Definitive Book on Value Investing by Benjamin Graham  The Giving Pledge  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Reset talks with early childhood education advocates about Head Start's uncertain future. The panel includes Pamela Epley, Vice President of Academic Affairs at the Erikson Institute and Nadia Gronkowski, Program Manager of Advocacy & Policy at Start Early. For a full archive of Reset interviews, head over to wbez.org/reset.

You can open an investment account with as little as $100 today. Making regular contributions may significantly enhance your investment returns. Time is one of the most powerful tools in building wealth – early, consistent contributions can have the same... Read More ›

Most parents don't know you can (and should) train your kids. Our Western mindset has most people believe that how kids turn out is mostly just due to their personality. This is absolutely incorrect and is KILLING family cultures and peace in homes. Today we're giving you some game-changing mindset shifts and some super practical ways to train your kids - for your benefit AND their benefit. --- FREE DOWNLOAD: 12 Tips for Training Your Kids (with Scripture): http://familyteams.com/train --- On this episode, we talk about: 0:00 Intro 0:51 Our Daughter's Feminine Rhythm on Tuesdays 3:29 How To Build A Family Business So You Can Truly Live As A Family Team 10:58 Training Your Kids 13:24 Develop A Training System 25:50 Start Early 34:00 Get The Playbook, Join The Accelerator 35:05 Crafting Training Routines Follow Family Teams: Facebook: https://facebook.com/famteams Instagram: https://www.instagram.com/familyteams Website: https://www.familyteams.com Resources Mentioned: Family Inc: https://courses.familyteams.com/familyinc Family Teams Accelerator: https://familyteams.com/accelerator Top 12 Tips for Training Your Kids: http://familyteams.com/train --- Hi, welcome to the Family Teams podcast! Our goal here is to help your family become a multigenerational team on mission by providing you with Biblically rooted concepts, tools and rhythms! Your hosts are Jeremy Pryor and Jefferson Bethke. Make sure to subscribe on Apple, Spotify, or YouTube so you don't miss out on future episodes!

See all the Healthcasts at https://www.biobalancehealth.com/healthcast-blog I am not sure if you play THE “WHAT'S THE DISEASE THAT I DON'T WANT TO HAVE GAME with yourself, but since I am a doctor I have spent a lot of time thinking about what diseases I do not want! I started my list in medical school when I witnessed what certain diseases can do to your life.  Medicine has many cures and treatments, yet some diseases that are treated still can negatively change your life forever. Even though losing a limb and amputation were at the top of my list there is one disease that tops my list.  Of course, I also have under stroke the usual scary situations like paralysis, or having an incapacitating heart attack that prevents an individual from taking care of himself or herself. However, my most feared diagnosis is having a STROKE! You may not fully comprehend how a stroke can change your life, but it can affect your speech, your ability to move, to think, to go places, to have a sense of humor, to write and communicate, even to have a sexual relationship with your loved one. A stroke essentially can take away your ability to be the person you have always been, AND it requires that someone must become your caretaker.  That helplessness is something I am most afraid of….We all have our personal fears, but whether you fear having a stroke or not, you should  try your hardest to avoid having one! DEFINITION: a stoke is a medical emergency that occurs when blood flow to the brain is  blocked or a blood vessel bursts. This can damage or kill parts of the brain, which can lead to long-term disability, brain damage, or even death.  This can cause s a loss of function, physical, mental, and  emotional, and loss of one or more of the senses like sensation, speech, sight, hearing and  taste and smell! In my practice at BioBalance Health we always work with our patients to prevent them having a stroke and or heart attack. These two conditions are the biggest villains that steal the joy of our “golden years” from us.  From the start of my BioBalance Health practice, I have incorporated  healthy diet training, exercise options and encouragement, how and what to take to supplement my patients' diet and how to outsmart their genetic makeup so they can be healthier than their parents. All of these lifestyle changes can decrease the risk of stroke and heart attack in a person. So what is it like to have a stroke? First let's go over what symptoms are typical of someone having a stroke. The symptoms of a stroke are multiple, and a person might not have all of them. Weakness on one side of the body Facial drooping on one side of the face Dizziness Numbness Loss of balance Sudden loss of vision. Trouble making sense when speaking Trouble talking, reading or understanding Sudden nausea and vomiting Brief loss of consciousness such as fainting, seizures, confusion, or coma. When someone has one or more of these symptoms it is an emergency, and you should call 911, then start asking the patient to open their eyes, smile, raise both arms and hold them up. Ask them to talk to see if their speech is impaired. Your findings will be helpful to the EMTs who come to the scene. An event is called a stroke, when there is a deficit in physical or mental function and that deficit continues and doesn't go away.  If it the symptoms completely resolve, it is called a TIA- a transient Ischemic attack. It is a warning to see a doctor and make sure you don't have a stroke in the future and it is a wakeup call to stop all poor lifestyle choices.   PREVENTING A STROKE: This last month, the American Heart and Stroke prevention Association released new Guidelines on how to prevent a stroke.  I think talking about the risk factors for stroke and discussing how to prevent having one, is worthy of discussion. Recently the medical guidelines for stroke prevention have been revised, and even though I think a few more things should have been included, the fact that they made the first change in the guidelines in 10 years is a first step. Here is what they advise all people who are aging should do.   #1 See your internal medicine or Family physician regularly, at least yearly #2. Stop sedentary behavior—walk/exercise/ do Yoga, just get out of the chair for the majority of your day! #3. If you are diabetic, they advocate going on Ozempic/Mounjaro to lose weight—that will lower your risk of a stroke, and heart attack.. #4 If you are hypertensive, take your BP medicine every day #5 Follow these lifestyle changes called Life's Essential 8: Your behavior and lifestyle put you at risk for having a stroke:    Healthy diet, low carb Mediterranean diet, no junk food!  Physical activity every day  Achieve a healthy weight,  Make sure your sleep is restful  Stop use of tobacco products, No smoking or vaping  Achieve healthy levels of blood glucose, and blood pressure.  Don't drink more than one 4 oz glass of wine a day  I add these recommendations to theirs for the care of my patients:   Drink ½ your weight in water every day Wat at least half your weight in grams of protein a day Get a Cardiac calcium scan to see if you have arterial plaque. If you do have plaque (arteriosclerosis) then you are at risk for stroke as well. See a cardiologist to be treated preventatively and tested. Option other than a cardiac calcium scan, get a carotid ultrasound to make sure you don't have plaque in the neck vessels that lead to your brain.. Make sure your Homocysteine level is normal (

Subscriber-only episodeSend us a textWelcome back to the Ones Ready Podcast! This week, Trent sits down with the beard-wielding, strength-slinging savant, Coach Jimmy of Modern Athlete Strength Systems (MASS)—because apparently we still need to explain why doing curls and skipping cardio won't cut it in Special Warfare.Jimmy drops 20+ years of strength & conditioning wisdom (and shade) on everything from why 30-day programs are garbage, to how being “jacked and useless” is an actual epidemic. They dig into MASS's 90-Day Unchained program, the myth of muscle without function, and how neck strength might just save your career and your spine. Oh, and Trent confesses to avoiding deadlifts for half his career—so, there's that.

The Fan staff discusses the team's historic start to the season, who their early season MVP is and if Gavin Sheets should have an everyday role.

The Fan staff discusses the team's historic start to the season, who their early season MVP is and if Gavin Sheets should have an everyday role.

Are you struggling to hit your fundraising goals? Here's the truth: 70% of your fundraising should be done before your event even begins! In Episode 13 of the "Hey Nonprofits" podcast, hosts Trevor Nelson and Jason Ledlow break down why pre-event fundraising is crucial for nonprofit success. Learn how to engage sponsors early, use personal connections to build momentum, and secure the financial support you need—well before the big day.This episode dives into practical strategies like leveraging existing sponsor relationships, tailoring sponsorship packages to your audience, and the power of transparency to build donor trust. As Trevor and Jason highlight, “Donors won't give unless they feel connected—relationships matter more than you think.” You'll also hear tips on how gratitude and recognition can foster ongoing support and ensure donors feel appreciated.Whether you're a nonprofit leader, development director, or volunteer, this conversation will inspire you to rethink your approach to nonprofit events and equip you with actionable advice to reach your fundraising goals. Tune in now to discover innovative ideas, success stories, and strategies you can start using today to make your next event a success!This video is perfect for anyone looking to modernize their fundraising strategies, achieve better work-life balance while planning events, and connect deeply with donors. Don't forget to leave a comment on what works for your nonprofit and subscribe to the "Hey Nonprofits" podcast for more fundraising tips and ideas!Chapters:0:00 Start Early for Fundraising Success2:15 Why 70% Happens Before the Event5:46 From Casual Gathering to Fundraising Win7:52 Leverage Existing Sponsor Relationships11:39 Build Donor Trust with Transparency13:26 Turn New Donors into Loyal Supporters16:58 Relationships Are the Key to Success18:39 Connect Beyond Organizations22:14 Tailor Sponsorships to Your Audience23:55 Recognize Sponsors for Ongoing Support27:27 Secure Sponsors with Honest Talks29:12 Benefits of Engaging Sponsors Early32:36 Exclusive Pre-Events Boost Interest34:20 Drive Engagement with Exclusivity37:46 Gratitude Builds Long-Term Support39:35 Strengthen Connections During Events42:53 First Impressions Matter44:43 Creative Sponsorship Ideas47:57 Cut Costs with Corporate Sponsors49:41 Pre-Event Hacks for More Funds52:59 Jason's Sponsorship Coaching Tips54:49 Stretch Goals to Unlock Donations

A young entrepreneur shares her journey from starting a small business in Ghana to building multiple successful companies before the age of 25, demonstrating how seeing problems as opportunities has been her key to success.• Started Garry Mix business in a garage before expanding to a factory• Managed 54 office staff at just 22 years old, facing disbelief about her position• Believes starting early is crucial as youth provides more energy and time to recover from failures• Views Ghana as full of business opportunities precisely because of its many problems• Imported solar fans and lights during power outages, turning complaints into profit• Stresses that success depends on mindset, not the system• Recommends mattress importing as a surprisingly profitable business opportunitySupport the showWatch the video episode of this on YouTube - https://linktr.ee/konnectedminds

Hour 1: Browns draft value + ALN + MLB season start early full 2153 Tue, 18 Mar 2025 14:32:09 +0000 qSX1jufm6LkSE56OavBEZY8ODGTGKxaS sports The Ken Carman Show with Anthony Lima sports Hour 1: Browns draft value + ALN + MLB season start early The only place to talk about the Cleveland sports scene is with Ken Carman and Anthony Lima. The two guide listeners through the ups and downs of being a fan of the Browns, Cavaliers, Guardians and Ohio State Buckeyes in Northeast Ohio. They'll help you stay informed with breaking news, game coverage, and interviews with top personalities.Catch The Ken Carman Show with Anthony Lima live Monday through Friday (6 a.m. - 10 a.m ET) on 92.3 The Fan, the exclusive audio home of the Browns, or on the Audacy app. For more, follow the show on X @KenCarmanShow. 2024 © 2021 Audacy, Inc. Sports False https://player.amperwavepodcasting.

Catch “The Drive with Spence Checketts” from 2 pm to 6 pm weekdays on ESPN 700 & 92.1 FM. Produced by Porter Larsen. The latest on the Utah Jazz, Real Salt Lake, Utes, BYU + more sports storylines.

When people get introduced to open source later in their life and career it can be a bigger adjustment that is hard to do, and that's when individuals start to struggle. When you introduce open source in a large organization, the effect multiples very quickly.This My Open Source Experience podcast episode is diving into the stories and effects of getting introduced to open source in different stages of people's lives and in various circumstances:- Samson Goddy talks about his experience with open source as a kid, and * How the Sugar Desktop environment was instrumental in him gravitating to technology and communities * Why kids need a hands-on experience with how technology works rather than access to tablets and smartphones that just work- Clare Dillon shares her work with academic institutions as well as InnerSource Commons. Learn about * Why it is crucial for university students to get in touch with open source * How universities work on adding open source to the curriculum and research activities * Methods to successful and less painful change management * The SCARF Model- Federico Gonzalez Waite talks about his experience at the Mexican government as he participated in rolling out open source, and help agencies to build their own tools and solutions. Learn about: * How to navigate change through a large organization * The impact that open source had in Mexico as well as in the Latin America region Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Digital Banking Podcast, host Josh DeTar welcomes Kim Butler, founder of Prosperity Thinkers, to discuss the importance of financial education and the path to financial freedom. Kim explains how her early experiences with money shaped her passion for helping others build solid financial foundations, emphasizing the significance of savings, both for emergencies and opportunities.The conversation dives into why personal financial literacy is so crucial, yet often overlooked. Kim shares her perspective on the critical role of community financial institutions in guiding people toward better financial health, and why many traditional budgeting methods fall short. She highlights how small changes in mindset and habits can lead to significant long-term benefits.Kim also introduces her work with Prosperity Parents, helping families teach financial competency from a young age. The episode offers valuable insights into reshaping financial perspectives and laying the groundwork for lasting wealth and stability across generations.

Parents, get ready for a game-changing conversation about your kiddo's dental care! Ever wondered about the best age for your kids to have their first dental visit? When to start using an electric toothbrush? Or how much toothpaste is just right? Pediatric dentist, Dr. Ethan Erwin, shares the answers that might surprise you! He tackles everything from thumb-sucking to teeth-friendly snacks. This episode is packed with practical tips to help make dental care a fun and positive part of your family's daily routine!   Care Experts is a weekly podcast by CareCredit where we sit down with doctors and experts who give information, tips and insight into healthcare treatments and procedures. Check in every Wednesday for new episodes at carecredit.com/careexperts or subscribe on your favorite podcast app.   CareCredit is a health, wellness and personal care credit card that has helped millions of people with promotional financing options and is accepted at hundreds of thousands of provider and retail locations nationwide. Learn more at carecredit.com.

On this segment of Copper Country Today, host Todd VanDyke talks with Iola Brubaker of the Copper Country Great Start Collaborative and Robin Meneguzzo of the Keweenaw Community Foundation about a new endowment that will help support early childhood programs. Copper Country Today airs throughout Michigan's Keweenaw Peninsula Sunday mornings at 7:00 on WOLV 97.7 FM, 8:00 on WCCY 99.3 FM and 1400 AM, and 9:00 on WHKB 102.3 FM. The program is sponsored by the Copper Shores Community Health Foundation. Copyright © 2025, Houghton Community Broadcasting, Houghton, MI.

In this episode of the Helping Families Be Happy podcast, produced by Familius Publishing, host Christopher Robbins talks with Antonia Squire, a veteran children's bookseller and children's buyer at The King's English Bookshop. Antonia shares expert tips on building a children's library, starting from baby showers to chapter books for older kids. The discussion highlights the importance of reading aloud to children at every stage of development, the role of books in building empathy and curiosity, and specific recommendations for timeless and engaging titles. Whether you're looking to create a starter library or expand an existing collection, this episode offers practical advice to foster a lifelong love of reading in your children. Episode Highlights [02:15] Start Early—Baby Books as Gifts: Antonia suggests building a library as early as baby showers, encouraging parents to replace cards with books inscribed with personal messages. [06:40] The Importance of Reading Aloud at Any Age: Reading aloud fosters connection, emotional bonding, and early literacy skills. Antonia emphasizes that children are never too young—or too old—to enjoy storytime. [10:30] Interactive Books for Toddlers: Recommendations like Tails and Pout-Pout Fish highlight the value of tactile and rhythmic books for engaging young readers. [15:20] Picture Books for Growth and Humor: Titles such as I Eat Poop and The Gruffalo teach humor, resilience, and irony, making them perfect for ages 3 and up. [20:50] Chapter Books That Build Reading Confidence: Antonia highlights Ramona the Pest and Charlotte's Web as must-reads for early readers, blending timeless storytelling with life lessons. [26:30] Building Empathy Through Fiction: Books help children experience life through different perspectives, improving emotional intelligence and decision-making. [30:10] Creating Access with Nonprofits Like Brain Food Books: Antonia introduces Brain Food Books, a nonprofit focused on providing books to children without easy access, and explains how just 10 books in a home can improve a child's success. Key Takeaways Start Early with Books: Build your child's library starting at baby showers to set the foundation for early literacy and bonding. Read Aloud at Every Stage: Continue reading aloud as children grow to keep them engaged and foster imagination and comprehension. Choose Interactive and Fun Books: Books with humor, rhyme, and touch-and-feel elements captivate young readers and keep them coming back. Include Chapter Books for Growth: Introduce longer stories like Ramona the Pest and Charlotte's Web to deepen literacy and emotional connections. Focus on Empathy and Imagination: Fiction helps children understand different perspectives and make thoughtful decisions.

Discover the natural keys to staying youthful and vibrant with practical tips for women. Learn how weight-bearing exercises can enhance muscle tone, boost energy, and improve bone density while dispelling common myths about getting "too bulky." Explore the benefits of proper hormonal balance, including how testosterone supports energy, sexual health, and overall well-being.This guide also highlights the importance of a balanced diet with whole, unprocessed foods and maintaining healthy blood sugar levels tailored to your body type. From prioritizing quality sleep to incorporating skin-nourishing oils and antioxidants, these actionable steps will help you feel and look your best at any age.Highlights of the Podcast00:04 - Importance of Exercise03:09 - Hormonal Health05:23 - Nutrition and Processed Foods08:02 - Sleep and Skin Health10:37 - Start Early

Got a late start on your retirement planning? Do you feel like you missed the boat and won't be able to retire on your timeline? We've got good news for you in today's episode—it's never too late for retirement (and even EARLY retirement!). No matter what age you're at, how much you have in the bank, and how much you make, you CAN retire on your terms, and our guests will prove it. The question is, will you follow through on their time-tested system for reaching retirement? Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast are here to show you that whatever your situation is, you can get on track for retirement. Bill and Jackie both were late starters, only taking retirement seriously decades after starting their working careers. Even with their “late start,” Bill and Jackie were able to massively multiply their net worths and retirement savings, allowing them to reach financial freedom on their terms. In today's show, Bill and Jackie walk through the four steps that anyone can take to begin saving for retirement. You don't need ANY money to take these initial steps, but doing so will change your entire financial future. Stick around for our next show as we get into the nitty gritty of retirement planning and put you directly on the path to retirement or early retirement! In This Episode We Cover: The four steps anyone can take to reach retirement Why it's okay to be a “late starter,” especially when it comes to retirement planning How to do a “backward budget” to quickly and easily see how much you're spending  Why you MUST look back on the financial “lessons” you've learned to build wealth now! Getting clear on your goals and what you want to achieve so you can reach retirement The “trifecta of mistakes” Bill made and how even that didn't stop his financial freedom journey! And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube The BiggerPockets Money Podcast BiggerPockets Money 314 - Finance Friday: How to Get to Early Retirement Even Faster BiggerPockets Money 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) w/Bill Yount and Becky Heptig BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski Catching Up to FI Reach Financial Independence Faster with "Set for Life" Find an Investor-Friendly Agent in Your Area BiggerPockets Money 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) Connect with Scott Connect with Mindy Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1063 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we bring you a Christmas special of sorts. The 12 money lessons as a play on the 12 days of Christmas. These are some of the most foundational takeaways we've realized during our financial journey. We truly believe if you master these lessons, you'll have a clear path to hitting your money goals. 12 Money Lessons We Cover: Retirement is a number, not an age 4% rule or cash flow method Your first investment should be in yourself $10K toward self-betterment will likely go a lot further than it will in the S&P or RE at the beginning of your journey Compound interest is insane  Investing $500 a month from 25 - 45 and then stopping will give you ~$1M in retirement at 65. Investing $1,000 a month from 45-65 will give you only $500,000. Start Early. The 80/20 of spending Focusing on the “big 3” (housing, transportation, food) will do way more for you than penny-pinching in other categories There's no “right way” to reach financial independence If someone tells you the X is the only way, they're lying or trying to sell you something. Can be done via index funds, RE, corporate job, digital products, etc. Action > Information You will learn way more by actually doing the thing, than reading books, listening to podcasts, or watching YouTube videos about it. Now is not a bad time to start Almost anytime you look back 4 years at investing you'll wish you would have bought even more which is just a sure sign that if you feel like you need to wait to invest, you're probably wrong Do the experience You'll probably never regret the money spent on a memorable activity with friends and family It's not about the money Yes, you'll need to focus on money for a while and build up a nest egg but it the end the money is just a tool to give you the freedom to focus on the things you really care about, it's not about lavishness or material obsession. Saving up a ton of money doesn't make you a greedy person Don't make a plan, make a contract Investing will have turbulence and that's when people are most likely to make bad decisions. This happens when we let our emotions get involved. Instead of making a general plan, make some hard contractual-type promises with yourself so that when times get tough, you don't even consider making rash decisions You'll adjust to anything This can be an advantage or disadvantage. The advantage is that you can live a lifestyle very different to others and find that you can still reach a very high level of happiness. The disadvantage comes when we have lifestyle inflation and our spending keeps increasing but the novelty wears off and we don't feel any different but our spending has increased dramatically You can't know where to go,  if you don't know where you are Getting an accurate state of your finances and spending is critical. You don't have to fixate on creating a budget right away but definitely track your spending with extreme accuracy for a few months so you have real data to work with It's not about how much you make, it's about how much you keep (there are people making $200k living paycheck to paycheck, and people making $50k saving 50%) Be informed I try not to tell people what they can and can't spend money on, just do the math to understand what the decision you're making now means for your future self. Get comfortable with some basic spreadsheet math and project out things, compare options, just take a pause and do some calculations We hope you enjoyed this special episode and these lessons for your financial journey. If you found value in the episode, please share it with a friend! Join the Community We'd love to hear your comments and questions about this week's episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

Think goal setting is overrated? Let me tell you why writing down your intentions might just change your life—and your business—in 2025. In this episode of the Multifamily Collective, we're diving into the timeless topic of goal setting. But before you roll your eyes, hear me out: writing down your goals isn't just a motivational cliché—it's a transformative practice that works. The Power of Pen to Paper: There's something about writing goals by hand that activates a connection between your mind, spirit, and the universe. Whether you call it divine intervention or focused intention, clarity follows action. Manifestation Through Focus: From a colleague's dream engagement ring to my personal milestones, writing things down has a track record of making aspirations real. It's About the Journey: Goals aren't just about achieving an endpoint—they're about who you become along the way. The discipline, the challenges, and the growth are the true rewards. Start Early, Stay Ahead: Set your 2025 goals now. By December 1, be in motion, so you're ahead of the pack come January 1. Goal setting isn't about wishing—it's about aligning your efforts with your aspirations and letting the process shape your future. So grab a notebook, start writing, and let the transformation begin. Inspired? Hit like, share this episode, and subscribe to the Multifamily Collective for more actionable insights. Don't wait—start your 2025 goals today and make this your best year yet. For more engaging content, explore our offerings at the https://www.multifamilycollective.com and the https://www.multifamilymedianetwork.com. --- Support this podcast: https://podcasters.spotify.com/pod/show/mike-brewer/support

In this episode of Financial Advisors Say the Darndest Things, A.B. Ridgeway dives into the Rule of 72, a simple formula that helps you estimate how long it will take to double your money based on the rate of return on your investments. Whether you're investing in CDs, annuities, or the stock market, understanding this concept can help you set realistic expectations, manage risk, and plan for retirement more effectively. Ridgeway also explains why starting early is key to reducing risk and achieving financial goals.Key Takeaways:The Rule of 72 Demystified: The Rule of 72 helps you calculate the time required to double your money. Simply divide 72 by the annual return rate. For example, at 6% interest, it will take 12 years to double your money.Setting Realistic Expectations: Financial advisors aren't magicians who can double or triple your money overnight. The Rule of 72 provides a more realistic view of growth, helping you avoid unnecessary risk.Start Early to Minimize Risk: Beginning your investment journey sooner allows you to take on less risk while still achieving your goals. Investing later often requires higher returns, which can increase your risk exposure.Memorable Quotes:"The Rule of 72 is a tool that simplifies complex financial projections, helping you make better decisions about where to put your money.""The market rarely gives you a consistent 10% return year after year; it's about staying the course through the highs and lows.""Starting early allows you to take on less risk and still meet your financial goals—time is your greatest ally in investing."

In this episode of Financial Advisors Say the Darndest Things, A.B. Ridgeway dives into the Rule of 72, a simple formula that helps you estimate how long it will take to double your money based on the rate of return on your investments. Whether you're investing in CDs, annuities, or the stock market, understanding this concept can help you set realistic expectations, manage risk, and plan for retirement more effectively. Ridgeway also explains why starting early is key to reducing risk and achieving financial goals.Key Takeaways:The Rule of 72 Demystified: The Rule of 72 helps you calculate the time required to double your money. Simply divide 72 by the annual return rate. For example, at 6% interest, it will take 12 years to double your money.Setting Realistic Expectations: Financial advisors aren't magicians who can double or triple your money overnight. The Rule of 72 provides a more realistic view of growth, helping you avoid unnecessary risk.Start Early to Minimize Risk: Beginning your investment journey sooner allows you to take on less risk while still achieving your goals. Investing later often requires higher returns, which can increase your risk exposure.Memorable Quotes:"The Rule of 72 is a tool that simplifies complex financial projections, helping you make better decisions about where to put your money.""The market rarely gives you a consistent 10% return year after year; it's about staying the course through the highs and lows.""Starting early allows you to take on less risk and still meet your financial goals—time is your greatest ally in investing."

Mike Stephen discusses the impact of the departure of the Chicago Housing Authority CEO with Block Club Chicago investigative editor Mick Dumke, learns about a crisis in Illinois' Early Intervention Program from Start Early director of legislative affairs Jonathan Doster and speech pathologist Sarah Ziemba, and gives an update on the efforts to preserve the history of the Illinois chapter of the Black Panther Party.

In this episode, we're diving into the best strategies to plan your 2025 training and racing season before the holiday rush. I'll guide you through a step-by-step process to map out races, set key dates, and organize your year in a simple spreadsheet. Whether you're still undecided about which races to tackle or you're ready to commit to an A-race, this episode will help you lock in a realistic timeline and avoid starting the year feeling behind. Grab a pen, open a note, or bookmark this episode to create a solid training plan that keeps you on track and focused!

Catch “The Drive with Spence Checketts” from 2 pm to 6 pm weekdays on ESPN 700 & 92.1 FM. Produced by Porter Larsen. The latest on the Utah Jazz, Real Salt Lake, Utes, BYU + more sports storylines.

Former Cleveland pitcher Jason Stanford joins Afternoon Drive to discuss the latest with the Guardians. He talks about Stephen Vogt's managing of the bullpen in Game 2 of the ALDS, adjusting to Tarik Skubal, his work for hurricane relief, and more.

Chicago business leaders pushing to use ShotSpotter with multi-million dollar push; Chicago anti-violence org received federal grant; Shaumburg YMCA closing and more.

Chicago business leaders pushing to use ShotSpotter with multi-million dollar push; Chicago anti-violence org received federal grant; Shaumburg YMCA closing and more.

Chicago business leaders pushing to use ShotSpotter with multi-million dollar push; Chicago anti-violence org received federal grant; Shaumburg YMCA closing and more.

As children we moved a lot, without being told to exercise. How can we teach children to love exercise and not make it seem like work? We talk to Lisa Starr, fitness and health teacher at the elementary level. She talks to us about making children excited to move and care about nutrition and we can adopt some of those habits as adults.

Sustainable sourcing is essential for businesses committed to environmental and social responsibility, but achieving it requires accurate and reliable data. Master Data Management (MDM) ensures that all sourcing data—such as supplier information, certifications, and compliance records—is consistent and up-to-date. This enables organisations to make informed decisions that align with their sustainability goals, reduce waste, and promote ethical practices throughout their supply chain.MDM is the foundation of a successful sustainability strategy. By providing a single source of truth for all critical data, MDM helps businesses monitor and track their sustainability efforts effectively. With accurate data, companies can identify opportunities to improve resource efficiency, reduce carbon footprints, and ensure compliance with environmental standards, ultimately leading to a more sustainable and resilient business model.In this episode, George Firican, Founder of LightsOnData, speaks to Matthew Cawsey, Director of Product Marketing and Solution Strategy, and Paarijat Bose, Customer Success Manager at Stibo Systems, to discuss sustainable sourcing and why accurate data matters. Key Takeaways:Sustainable sourcing involves understanding the provenance and environmental impact of products, ensuring compliance with regulations, and meeting sustainability goals.Data completeness and accuracy are crucial in meeting regulatory requirements and avoiding issues like greenwashing.Managing sustainability data requires a solid foundation of MDM to ensure data accuracy, stewardship, and semantic consistency.MDM solutions help companies collect, manage, and share sustainability data, enabling them to meet compliance requirements and achieve their sustainability goals.Chapters:00:00 - Introduction and Overview01:07 - The Challenge of Collecting Data for Compliance and Reporting02:31 - Data Accuracy and Completeness in the Supply Chain05:23 - Regulations and the Demand for Transparent and Complete Data08:41 - The Role of Master Data Management in Sustainability15:51 - How Data Management Technology Solutions Help Achieve Sustainability Goals21:02 - The Need to Start Early and Engage with Data Management Solutions22:01 - Conclusion and Call to Action

In this week's episode of the Hotel Moment podcast, Joel Morales, CMO at Castlerock Asset Management, joins Karen Stephens, Revinate CMO, to offer a proactive approach to budget season – starting before August. Joel highlights the benefits of initiating budget planning as early as May or June, and how he's seen sales and marketing departments align and collaborate with greater speed and efficiency. Tune in for a change in perspective when it comes to the timing of budget planning, and how you can leverage your brand, brand performance, and overall marketing strategy to drive conversion and open up more revenue streams for your hotel.

I am proactive in planning for a secure and fulfilling retirement. I deserve a future where I am financially independent and secure. I am taking steps today to ensure a comfortable retirement tomorrow. I am empowered to make smart financial decisions for my future. I prioritize my long-term well-being by planning for retirement now. I am confident in my ability to build a strong financial foundation. I am committed to investing in my future self and my dreams. I am worthy of a retirement filled with peace, joy, and financial freedom. I embrace the responsibility of planning for my retirement with confidence. I am focused on creating a retirement that reflects my values and goals. I trust my ability to make informed and wise retirement choices. I am setting clear financial goals that will lead to a secure retirement. I deserve to enjoy my later years without financial stress or worry. I am building a retirement plan that will allow me to live comfortably. I am taking control of my financial future with determination and clarity. I am laying the groundwork for a retirement filled with freedom and options. I am confident that my retirement savings will grow and support my dreams. I am investing in my future self by saving and planning for retirement today. I deserve to retire with dignity and the financial resources I need. I am empowered to create the retirement I envision, starting now. 

Send us a Text Message.In this episode of the Debt-Free Dad Podcast, host Brad Nelson is joined by special guest Angie Grimm from College Solutions, LLC. Angie shares her expertise on strategic college financial planning, highlighting essential questions parents and students need to ask to make the best financial decisions for higher education. They discuss the rising costs, the importance of early planning, FAFSA details, scholarship searches, and practical tips to graduate with little to no debt. The episode also touches on post-graduation financial planning and how families can navigate this significant financial commitment. Resources MentionedGet better results with your finances in 30-60 days - GUARANTEED. Watch this video to learn how! - https://www.debtfreedad.com/payoff-debt-in-60-to-90-days The Totally Awesome Debt Freedom PlannerFor more help, and a step-by-step process to get started, enroll in Brad's FREE online course, LIFE WITHOUT PAYMENTS.Free Tools and Downloads at www.debtfreedad.comConnect With BradWebsite - https://www.debtfreedad.comFacebook - https://www.facebook.com/thedebtfreedadPrivate Facebook Group - https://www.facebook.com/groups/lifewithoutpaymentsInstagram - https://www.instagram.com/debtfreedad/TikTok - https://www.tiktok.com/@debt_free_dadYouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featuredThanks For ListeningLike what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTubeWe LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one.Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!Support the Show.

Have a question or want to suggest an idea? Text us!In this episode of the Human Design Hive Podcast,Hali and I are discussing the stress and challenges that come with kids going back to school. We explore how understanding and leveraging Human Design can help ease these transitions for children and their families. We're sharing insights on the different energy types, routines, learning styles, and the importance of recognizing and respecting individual designs. The episode also touches on managing academic pressure, social anxiety, and navigating extracurricular activities. We hope this episode helps parents to support their children through the school year by honoring their unique Human Design.This week's Incarnation Cross is the LAX of Healing.00:00 Welcome and Catch up- We got tattoos! 11:41 Topic Intro 19:14 Adjusting Routines, Channel of Rhythm, Sleep styles by Type 27:04 Academic Pressures 38:34 Will Center 39:23 Communication Styles by Type 44:34 G-Center 47:48 Belonging 51:22 Extracurricular Activites 55:16 Start Early with Strategy and Authority 59:18 ICX of the Week 01:02:45 Wrap Up✨✨You can now grab a copy of your Human Design chart on my website!✨✨Get yours HERE- ☞ Ready to dig into your Human Design with Dana?Book a chart reading now!☞ Need some intuitive guidance? Check out my Email Intuitive Reading!☞ No time right now for a live 1:1 reading, but need help interpreting your chart? Check out my offering of a Recorded Video Chart Reading!Check out my free 2 part video training How To Get Started With Human DesignBuy Us A Coffee! ☕️Find Us on Youtube @humandesignhiveFind Dana on IG @humandesignhiveemail: Dana@humandesignhive.comThanks for listening, we appreciate you!

Host Joe Weil breaks down the Red Sox 10-2 loss to the Houston Astros as the Stros come into Fenway and sweep the Red Sox. Hear Joe's thoughts on the state of the Red Sox pitching staff after James Paxton leaves today's start early with a calf strain. Joe is joined by Ian Cundall of SoxProspects.com to discuss the reported promotions of Marcelo Mayer, Kyle Teel, and Roman Anthony, the organization's top three prospects to Triple-A Worcester.  Also, hear from Red Sox Manager Alex Cora as he meets with the media following the Red Sox loss. 

Author Danielle Lindner discusses how to teach prosocial skills as early as preschool and how to help forge a lifelong love of learning in children.For more information about Danielle Lindner and her resources: http://www.daniellelindner.com/Danielle Lindner's book: Parent's Pocket Guide to Surviving the Preschool Years: One Challenge at a TimeDr. Jordan's site with show notes from this podcast: www.drtimjordan.com

A-dec Inspire 300**: https://bit.ly/3xEYE7B Free digital copy of his newest book: https://www.practicebiopsy.com/book-recommendations/ Dr. DeAngelo Webster shares his journey into dentistry, including starting his own practice while still in dental school. He emphasizes the importance of thorough research and analysis when choosing a location for a dental practice, considering both demographics and competition. Dr. Webster also discusses the benefits of reducing upfront costs when starting a practice and the value of being in-network with insurance providers. He highlights the importance of mentorship and teaching, and shares insights from his upcoming book, 'You Don't Know What You Don't Know: Seven Lessons for Life in Dentistry.' Dr. Webster encourages dentists to take control of their time and prioritize activities that align with their goals and values. He concludes with advice on taking control of one's time and prioritizing activities that align with goals and values is essential for a fulfilling career in dentistry. Engage with the podcast on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dentaldownloadpodcast⁠ Haley's Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dr.haley.dds⁠  Make your podcast on Riverside: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.riverside.fm/?utm_campaign=campaign_5&utm_medium=affiliate&utm_source=rewardful&via=haley

Are you a late starter who wants to reach retirement (or early retirement)? Then we've got just what you need! We're back with Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast as we share how to invest for retirement as a “late starter.” Did you know there are some serious advantages to investing later in life? Some of these advantages are so secret that even our hosts didn't know about them! But today, we're sharing them with you so you can achieve financial freedom on your terms! From top to bottom, we're sharing everything you need to retire sooner—from the best retirement accounts to debating 401(k)s vs. Roth IRAs vs. HSAs and more! Worried about healthcare if you retire before you turn sixty-five? DO NOT put your retirement plans on pause because of this! With some smart healthcare saving and investing, you won't have to worry about visits to the doctor's office! But before you start investing, we need to get your spending in check. Bill shares how he went from paycheck to paycheck to exploding his savings rate by “downsizing” his spending, which makes reaching financial independence even easier! If you're ready to retire, stick with us and follow these steps to a tee if you want to be financially free! Missed part one? Listen to it here! Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!  In This Episode We Cover How much do you need to retire? Here's the exact calculations we use The best retirement accounts to invest in that have substantial tax advantages Social Security and whether or not you can plan on receiving it when you retire  The “triple tax benefit” healthcare account that you'll wish you knew about sooner How to “downsize” your life so you can invest more and retire faster  “Catch up” retirement investing and the investment accounts that late starters must take advantage of 401(k)s vs. Roth IRAs vs. HSAs: Which should you invest in first? And So Much More! Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Finance Friday: How to Get to Early Retirement Even Faster BiggerPockets 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) w/Bill Yount BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski Want to Be a Guest on the BiggerPockets Money Show? Apply Here Catching Up to FI Podcast HSA – The Ultimate Retirement Account Open Social Security The Shockingly Simple Math Behind Early Retirement 00:00 Intro 01:19 Create a Simple Plan 04:58 How Much Do I Need to Retire? 09:18 What About Social Security?  16:27 Reducing Your Expenses 19:59 Healthcare and HSAs 33:28 Best “Catch Up” Investments  38:31 Roth vs. HSA vs. 401(k)  47:34 Investing Beyond Retirement Accounts  49:38 It's NEVER Too Late!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-538 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Got a late start on your retirement planning? Do you feel like you missed the boat and won't be able to retire on your timeline? We've got good news for you in today's episode—it's never too late for retirement (and even EARLY retirement!). No matter what age you're at, how much you have in the bank, and how much you make, you CAN retire on your terms, and our guests will prove it. The question is, will you follow through on their time-tested system for reaching retirement? Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast are here to show you that whatever your situation is, you can get on track for retirement. Bill and Jackie both were late starters, only taking retirement seriously decades after starting their working careers. Even with their “late start,” Bill and Jackie were able to massively multiply their net worths and retirement savings, allowing them to reach financial freedom on their terms. In today's show, Bill and Jackie walk through the four steps that anyone can take to begin saving for retirement. You don't need ANY money to take these initial steps, but doing so will change your entire financial future. Stick around for our next show as we get into the nitty gritty of retirement planning and put you directly on the path to retirement or early retirement! Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!  In This Episode We Cover The four steps anyone can take to reach retirement  Why it's okay to be a “late starter,” especially when it comes to retirement planning How to do a “backward budget” to quickly and easily see how much you're spending  Why you MUST look back on the financial “lessons” you've learned to build wealth now! Getting clear on your goals and what you want to achieve so you can reach retirement The “trifecta of mistakes” Bill made and how even that didn't stop his financial freedom journey! And So Much More! Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Finance Friday: How to Get to Early Retirement Even Faster BiggerPockets 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) w/Bill Yount BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski Want to Be a Guest on the BiggerPockets Money Show? Apply Here 00:00 Intro 01:14 Late Start, Early Retirement 06:01 Before You Can Start 08:06 “Backwards” Budgeting  17:12 Make a Plan  28:26 Acknowledge Your “Lessons”  33:19 Stick Around!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-537 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Artificial intelligence is touching elements of our lives that most people couldn't have predicted even five years ago. No aspect is being disrupted more than our work and our jobs. As Michael Kanaan said on 12 Geniuses back in 2021 in The Future of Artificial Intelligence, “there is no job on the planet that AI doesn't have its rightful place to do the job better.” Exactly how jobs will be redefined is largely dependent on the mindset companies have toward their talent and these new tools that are able to do magical things. In this interview, Deloitte Consulting's chief futurist Mike Bechtel discusses the two common ways in which companies are approaching the artificial intelligence revolution. Mike says that some companies are using AI to cut costs and replace people with technology. Other companies see AI as “rocket fuel” for their talent. While the “short-termists” that are using AI to minimize expenses might please shareholders for a brief period of time, Mike says the companies that have a longer-term view on the combination of their people and these powerful tools will ultimately be winners in this unique period in business. Mike goes on to talk the differentiating traits that leaders should be seeking as they hire new people in an AI workplace and Mike shares his advice for how individuals and leaders should think about career development into the future.Mike Bechtel is a managing director and the chief futurist with Deloitte Consulting LLP. Mike helps clients develop strategies to thrive in the face of discontinuity and disruption. His team researches the novel and exponential technologies most likely to impact the future of business, and builds relationships with the startups, incumbents, and academic institutions creating them.Prior to joining Deloitte, Mike led Ringleader Ventures, an early-stage venture capital firm he co-founded in 2013. Before Ringleader, he served as CTO of Start Early, a national not-for-profit focused on early childhood education for at-risk youth. Mike began his career in technology R&D at a global professional services firm where his dozen US patents helped result in him being named that firm's global innovation director. He currently serves as professor of corporate innovation at the University of Notre Dame.

The fireworks show started early for the San Francisco Giants. In a scoreless game in the bottom of the ninth, SF Giants catcher Patrick Bailey, fast becoming a mainstay in this league and perhaps even a legitimate star, blasted a three-run home run off Pirates closer David Bednar to deliver an exhilarating win for the Giants. This followed what was obviously a great pitching performance all the way through for the Giants. Kyle Harrison was excellent over six shutout innings in what was his best start of the season. Him stepping up in the absence of Blake Snell would go a very long way for the Giants. SF Giants relievers Ryan Walker and Camilo Doval escaped huge jams in the late innings to keep the game tied at zero-zero. Walker loaded the bases with two outs but got out of it on a strikeout that hit the foot of the hitter. Doval allowed runners to reach second and third with no outs and he managed to escape with a strikeout and a 1-2-3 double play. Overall, it was a huge, explosive win for the San Francisco Giants.Find and follow Locked On Giants on your favorite podcast platforms:

 #LancasterReport: Dutch Wonderland bustling on Good Friday as tourists start early this year. Jim McTague, former Washington Editor, Barrons. @MCTagueJ.  Author of the "Martin and Twyla Boundary Series."  #FriendsofHistoryDebatingSocietyag https://www.dutchwonderland.com/ 1945 LANCASTER COUNTY PA

November was a party for stocks and bonds, but is Jerome Powell about to turn the lights on? (00:21) Jason Moser and Matt Argersinger discuss: - The market's incredible November and why we may not be out of the woods yet on rate hikes. - Why Apple and Goldman Sachs are breaking up their credit card partnership. - Thoughts on Tesla's Cybertruck and the new details we have after this week's showcase. (19:11) Adobe Insights Vivek Pandya talks through the trends he's seeing so far in holiday spending and whether it makes sense to buy now or wait for some of the items on your list. You can catch Adobe's holiday shopping tracking here. (34:10) Jason and Matt break down two stocks on their radar: Docusign and EPR Properties. Stocks discussed: AAPL, GS, TSLA, BRK.A, BRK.B, DOCU, EPR Host: Dylan Lewis Guests: Jason Moser, Matt Argersinger, Vivek Pandya Engineers: Dan Boyd Learn more about your ad choices. Visit megaphone.fm/adchoices

A recent report finds that Native people in tech are underrepresented in the high-paying sector. Just 20% of high schools on reservations offer computer science courses, the research finds. What can be done to close that gap? Plus, European beekeepers try to defend against an invasion of Asian hornets.

Live from the Balboa Theater during San Diego Comic-Con 2023, we've got a 4DX Experience for you that will have you feeling the soup. We're helping people in all dimensions with astral projection, cat hair, and a beaver heist. Suggested talking points:  His Health is Great but I Want to Start Early, Paranormal Lovers, Astral Project or you're fired, Birds Must Die, Hole Madness, Take a Penguin, Leave a PenguinEarthjustice: https://earthjustice.org/