Podcasts about Streamline

Ever look at Google Flights and wonder, "Should I use points for this or just pay cash?" If you've ever felt unsure about which option gives you the best value, this episode is for you. In the final episode of our Streamline, Stack, and Save mini-series, I'm joined by Julian Kheel, former editorial director at The Points Guy and senior editor at CNN, now founder of Points Path — a browser extension that works seamlessly within your browser when you're searching flights to show you whether points or cash is the better deal. Points Path takes the guesswork out of booking. It helps you instantly compare cash fares and award redemptions on Google Flights, showing you where the real value lies so you can make the best booking decision every time. We talk trends in the award travel landscape, how Points Path focuses on simplicity to take the guesswork out of choosing flights, and why this tool deserves a place in your browser. Whether you're a casual traveler or a seasoned award booker, you'll also hear how its alert feature can track award prices and let you know when they drop — so you don't have to keep checking. Julian shares how Points Path was designed to focus on simplicity, taking the guesswork out of choosing flights so you always know the best option. With more than 10 years of experience working with some of the most trusted names in the award travel space, Julian brings both insight and innovation to how we think about booking smarter. Get full show notes and transcript: https://pointmetofirstclass.com/plan-award-flights-faster-with-points-path/ Want to shape the show? Take the Point Me To First Class listener survey here and share what you love and want more of!  Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy  

 Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2025Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityMake sure you mention: CTISUMMER to get FREE data migration!If you're ready to make a real change in your shop's success, join Shop Marketing Pros' Plan With the Pros workshop this October to connect with them and other shop owners. You'll leave with your entire year for 2026 planned out. Click here to register: https://geni.us/PlanWithTheProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Adam Rath to reflect on the journey and evolution of their industry mastermind group. Adam shares how the group has grown from its early days, emphasizing the importance of building a community where shop owners can collaborate and hold each other accountable. The hosts discuss the impact of implementing the Entrepreneurial Operating System (EOS) in their businesses, highlighting its role in shaping leadership and clarifying organizational vision.00:00 Leadership Restructuring and Future Plans05:58 Growth and Accountability Through Masterminds13:41 Addressing Customer Education Gaps20:16 "Self-Implementing EOS Journey"24:36 Assessing Employee Alignment & Capability27:01 End-Year Hiring Pitfalls32:55 Survival Over Vision39:59 Protective Leadership Commitment43:56 Personal Reflection on Growth Ambitions50:32 "Reviving Vision in Medical Device Sales"57:02 Reflect and Appreciate Progress01:02:56 Intentional Clarity Breaks01:04:48 Streamlined Meeting Schedule Changes01:08:32 "Successful Business and Industry Giveback"

Episode Title: Relaxing for Sleep: Warm Quilt StormDescription: Drift into a cozy, restful sleep with our guided soundscape, Warm Quilt Storm. In this episode we blend gentle thunder, soft rainfall, and a slow, comforting narration to recreate the feeling of being wrapped in a warm quilt while a distant storm hums you to sleep. Use this episode as a nightly ritual to slow your breathing, release tension, and ease into deeper rest. Ideal for bedtime, naps, or any moment you need a calm reset.Tips for best results:Find a comfortable position and dim the lights.Use headphones for a more immersive experience.Let your breath follow the rhythm of the sound—inhale slowly, exhale fully.If you wake during the night, replay the episode to help you settle back to sleep.Take a few minutes for yourself each night—these small rituals build better rest and steadier calm over time.Join us next time for another soothing soundscape and relaxation practice.=======DISCLAIMER

Episode Title: Relaxing Rain Sounds: Courtyard DownpourDescription: Sink into the steady, soothing patter of rain in a quiet courtyard. In this episode we invite you to slow your breath and let the gentle downpour wash away tension — perfect for meditation, focus, sleep, or simply a few minutes of calm during a busy day. Listen closely to the layered textures: soft drops on stone, distant rumble, and the occasional flutter of leaves. Use this soundscape as a background for mindful breathing, visualization, or to create a peaceful atmosphere while you work or rest.Take a moment for yourself today — even five minutes with this courtyard rain can reset your mood and help you feel more grounded. We'll be here next time with another soothing sound to help guide you toward greater calm and balance.=======DISCLAIMER

Episode Title: Rain Sounds for Sleeping: Cozy Reading NookDescription: Sink into a warm, cozy reading nook and let gentle rain sounds carry you into restful sleep. In this episode we blend soft rainfall with quiet page-turns and subtle ambient textures to create a soothing soundscape tailored for bedtime. Whether you're winding down after a long day, creating a calm backdrop for reading, or trying a sleep aid that doesn't rely on guided narration, this episode offers a peaceful audio environment designed to relax the mind and slow your breathing.Suggestions for use:Play on low volume as you read, meditate, or drift off.Use a sleep timer so the sound fades out after you fall asleep.Pair with deep-breathing or progressive muscle relaxation for deeper rest.Take a few moments tonight to pamper yourself with a calm ritual—your body and mind will thank you.Join us next time as we bring more tranquil soundscapes and simple practices to help you stay calm and relaxed.=======DISCLAIMER

Episode Title: ASMR Personal Attention Sleep: Soft Spoken Comfort in RainDescription: Sink into a gentle sleep with this ASMR personal attention session — soft-spoken comfort carried by the steady hush of rain. In this episode we guide you through calming, attentive narration and little sensory cues designed to slow your breathing, release tension, and help you drift off naturally. Use headphones for the fullest experience: imagine a soothing presence close by, quiet reassurances, and the soft patter of rainfall creating a safe, cozy space where worries can dissolve.Take a few minutes for yourself tonight — lie back, breathe slowly, and let the combination of intimate voice and rain soundscape carry you toward restful sleep. Return anytime you need a peaceful reset.Join us next time for more mindful sound journeys and restful moments.=======DISCLAIMER

Episode Title: ASMR Sounds for Sleep: Porch Swing StormDescription: Sink into a slow, peaceful drift as we guide you through the gentle sounds of a porch swing and a soft summer storm. This episode blends close, calming ASMR cues—creaking wood, distant rain, and the whisper of wind—with a steady, reassuring voice to help you relax, release tension, and fall asleep more easily. Whether you're winding down after a long day or just need a quiet moment to breathe, let the rhythm of the swing and the hush of rain carry you toward deeper rest.Tips for a better listening experience:Use headphones for full ASMR effect.Lower lights and get comfortable before pressing play.Try a consistent bedtime routine: listen nightly for stronger sleep cues over time.Remember: small nightly rituals build big improvements. Take a few minutes for yourself and let this porch swing storm become your nightly lullaby.Join us next time for another peaceful soundscape designed to help you relax, recharge, and sleep well.=======DISCLAIMER

Episode Title: Rain Sounds for Working: Coffee Shop RainDescription: Find your focus with the cozy blend of steady rain and subtle coffee shop ambience. In this episode we layer gentle rainfall with distant clinks, low conversations, and the soft hiss of an espresso machine to create an ideal soundscape for concentration, creative work, or relaxed studying. Learn how ambient rain paired with light café noise can mask distractions, improve task persistence, and provide a comforting background that supports sustained productivity.Quick tips covered:Use this mix for deep work sessions (try 25–50 minute blocks).Adjust volume so the sounds recede into the background—comfort over immersion.Pair with a simple ritual (warm drink, tidy desk, short stretch) to signal focus time.When creativity stalls, switch to a slightly louder rain layer or add gentle instrumentals.Take a breath, make your workspace inviting, and let the Coffee Shop Rain carry your attention forward—just a few minutes of calm can change the tone of your whole day.Join us next time for another tranquil soundscape to help you relax, focus, and recharge.=======DISCLAIMER

Episode Title: Relaxing Ambience for Sleep: Misty GardenDescription: Escape to a quiet misty garden where soft rain settles on leaves and pathways, and the world slows down to a gentle, sleepy pace. In this episode of "Thunderstorm: Sleep and Relax in the Rain," you'll be guided into a tranquil garden scene: dew-laden blossoms, the hush of mist drifting between trees, and the steady, calming patter of rain that blends with distant, soothing nature sounds.Imagine wandering along a lantern-lit path, each step releasing the fresh scent of wet earth and petals. The mist wraps everything in a soft hush, easing your thoughts and easing tension from your body. This peaceful soundscape is designed to help you let go of the day — perfect for drifting into a deep sleep, meditating, or simply taking a mindful break.Settle in, breathe slowly, and allow the gentle rhythm of rain and the delicate atmosphere of the misty garden to carry you toward rest and renewal.=======DISCLAIMER

Episode Title: Thunderstorm Sounds for Sleeping: Soft Rolling EchoesDescription: Sink into a peaceful rest with this episode of Be Calm and Relax Podcast, where we use soft rolling thunder and gentle rain to guide you into sleep. You'll be led through a calming soundscape that blends distant thunderclaps, steady rainfall, and quiet ambient tones designed to slow your breathing and ease the mind. Whether you need help winding down after a long day or want a soothing background for sleep, let these layered storm sounds create a cozy, safe space to drift off.Tips included:Use headphones for a more immersive experience.Set a sleep timer on your device if you only want the sounds for a portion of the night.Try combining these sounds with slow, deep breaths to deepen relaxation.Take a few minutes tonight to breathe, let go, and allow the soft rolling echoes of a thunderstorm to carry you into restful sleep.Join us next time as we share more calming soundscapes and techniques to support your nightly routine.=======DISCLAIMER

Episode Title: Rain Sounds for Studying: Notebook by the WindowDescription: Find a quiet corner, open your notebook, and let the steady patter of rain guide your focus. In this episode we create a calm, productive atmosphere with gentle rain sounds recorded from a notebook by the window. Use this episode as background for studying, journaling, reading, or any task that benefits from steady, unobtrusive sound. We also share simple tips for pairing ambient rain with study routines—setting a timer, breaking tasks into short sprints, and creating a distraction-free workspace—to help you stay present and make steady progress.Take a few minutes today to breathe, listen, and settle into a focused rhythm. Small, calm habits add up.Join us next time as we bring more soothing soundscapes to your daily routines.=======DISCLAIMER

Turn raw Excel data into actionable insights, visual dashboards, and KPIs in minutes. With Agent Mode, automate complex analysis, create pivot tables, and build interactive dashboards without manual setup. Streamline text analysis, formula generation, and complex calculations right inside Excel. Use the Copilot function to categorize feedback, score sentiment, or automate repetitive tasks, and leverage Formula AI to generate accurate formulas from plain language prompts. Jeremy Chapman, Microsoft 365 Director, shares how to work smarter and make faster, data-driven decisions in Microsoft Excel. ► QUICK LINKS:  00:00 - Excel and Microsoft 365 Copilot updates 01:24 - Agent Mode 03:55 - Copilot function 06:02 - Formula completion 07:13 - Formula AI 08:41 - Wrap up ► Unfamiliar with Microsoft Mechanics? As Microsoft's official video series for IT, you can watch and share valuable content and demos of current and upcoming tech from the people who build it at Microsoft. • Subscribe to our YouTube: https://www.youtube.com/c/MicrosoftMechanicsSeries • Talk with other IT Pros, join us on the Microsoft Tech Community: https://techcommunity.microsoft.com/t5/microsoft-mechanics-blog/bg-p/MicrosoftMechanicsBlog • Watch or listen from anywhere, subscribe to our podcast: https://microsoftmechanics.libsyn.com/podcast ► Keep getting this insider knowledge, join us on social: • Follow us on Twitter: https://twitter.com/MSFTMechanics • Share knowledge on LinkedIn: https://www.linkedin.com/company/microsoft-mechanics/ • Enjoy us on Instagram: https://www.instagram.com/msftmechanics/ • Loosen up with us on TikTok: https://www.tiktok.com/@msftmechanics  

Episode Title: Relaxing Rain Sounds: Woodland NightfallDescription: In this episode of "Thunderstorm: Sleep and Relax in the Rain," step into a quiet woodland as night falls and gentle rain begins to patter through the trees. Close your eyes and picture soft droplets tapping leaves, the distant hush of branches swaying, and a cool, earthy scent rising from the forest floor. The rain creates a steady, calming rhythm that lulls the mind and soothes the body—perfect for sleep, meditation, or simply slowing down after a busy day.As the evening deepens, subtle layers of natural sound unfold: occasional rustles of nocturnal life, the soft drip from pine needles, and the warm echo of rain against mossy logs. There's no rush here—just the steady, restorative cadence of woodland rain carrying you toward rest and peaceful clarity.Tune in, breathe slowly, and let the woodland nightfall rainfall wash away tension. Whether you're drifting to sleep, settling into a mindful pause, or creating a calming backdrop for focus, this episode invites you to relax, recharge, and be present with the simple comfort of rain under the trees.=======DISCLAIMER

Episode Title: Relaxing Ambience for Sleep: Safe Storm SanctuaryDescription: Sink into a safe, cozy shelter as a gentle storm hums around you. In this episode of "Thunderstorm: Sleep and Relax in the Rain," we invite you to settle into a calm sanctuary where steady rain, distant thunder, and soft wind create a cocoon of comforting sound. Imagine being wrapped in a warm blanket, windows slightly fogged, and a quiet, reassuring rhythm of droplets on the roof lulling you toward rest.There's no rush here — only slow, steady ambience designed to ease tension and quiet the mind. Allow the layered soundscape to escort you through stages of relaxation: breath deepens, thoughts soften, and the day's noise fades. Perfect for bedtime, naps, study, or simply a moment of calm between busy moments, this episode helps you feel protected, grounded, and ready to drift off.Press play, breathe slowly, and let the storm outside be your gentle guide to peaceful sleep.=======DISCLAIMER

Episode Title: Relaxing Music: Thunder Rain SoundscapeDescription: Sink into a restful soundscape of rolling thunder and gentle rain designed to soothe the mind and calm the body. In this episode, we blend soft ambient music with natural storm sounds to create a space for focused relaxation, sleep, and mindful breathing. Learn simple ways to use thunder-rain soundscapes: as a backdrop for winding down before bed, to mask distracting noise while working or studying, and as an anchor for short breathing or visualization practices. Whether you need a pause between meetings or a longer session to drift into sleep, let this episode guide you into a quieter, steadier rhythm.Tip: Try a 10–20 minute listening break—close your eyes, breathe slowly, and let the rain and distant thunder carry stress away.Join us next time on Be Calm and Relax Podcast for more soothing soundscapes and relaxation techniques.=======DISCLAIMER

Episode Title: Relaxing for Sleep: Gentle Storm and WavesDescription: Sink into a restful night with the calming blend of a gentle storm and soft ocean waves. In this episode, we guide you through a relaxing soundscape designed to ease tension, slow the breath, and gently transition you into sleep. We explore simple breathing cues, light visualization to deepen relaxation, and tips for using ambient storm and wave sounds as a nightly ritual—whether you have a few minutes or a full sleep session ahead.Take a moment to let go of the day's stresses. Even a short pause listening to rhythmic rain and rolling waves can quiet the mind and prepare your body for deeper rest. Sleep well, and join us next time as we continue to create peaceful moments for your daily routine.=======DISCLAIMER

Episode Title: Rain Sounds for Sleeping: Cabin by the LakeDescription: In this episode of "Thunderstorm: Sleep and Relax in the Rain," settle into a cozy lakeside cabin as a steady, gentle rain taps on the roof and ripples across the water. Picture yourself tucked under a warm blanket, the soft orange glow of a lamp in the corner, and the slow, comforting rhythm of rain blending with distant water lapping at the shore. The sounds are simple, consistent, and intimate — perfect for easing tension, quieting the mind, and guiding you into deep rest.As the rain falls, imagine the small comforts of the cabin: the wooden floor slightly fragrant from the wet air, the quiet creak of beams, and the faint chorus of frogs and night insects just beyond the trees. There's no rush, no interruptions — only the hush of nature and the steady heartbeat of rainfall that helps your thoughts soften and your breathing slow.Use this episode for sleep, meditation, studying, or a peaceful break anytime you need to unplug. Let the cabin's warm safety and the lake's gentle rhythm carry you toward calm, restoration, and a slower pace of being.=======DISCLAIMER

Episode Title: Rain Sounds for Sleeping: Car Rain DriveDescription: Settle in for a soothing nighttime ride. This episode features the gentle patter of rain on a car roof, distant road ambience, and the comforting hush of a cozy drive. It's crafted to help you drift off faster, reduce stress, and create a steady background for deep, uninterrupted sleep. We'll share simple tips to pair rain audio with a bedtime routine—like dim lighting, breath pacing, and soft visualization—so you can quiet your mind and ease into rest.Press play, close your eyes, and imagine cruising through calm city streets as raindrops tap a steady lullaby. If you wake in the night, just refocus on the rhythm of the rain and the subtle hum of the road to guide you back to sleep.Join us next time for more peaceful soundscapes and practical relaxation tools.=======DISCLAIMER

(The Center Square) The number of businesses owned by racial minorities and women that are certified by Illinois plummeted in the past year, partly due to a new computer system the state bought for as much as $750,000 and was designed to help boost the number, an investigation by The Center Square found. In an annual report this year to lawmakers, the Commission on Equity and Inclusion cited its new supplier diversity management portal as one of its main accomplishments, noting that it would enhance the commission's work by "streamlining processes." Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Read more: http://thecentersquare.com/illinois/article_1d388202-7dda-4687-a573-d94e12f1554c.html Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Chrystina Howard, the ERM Leader of the Complex Risk Practice at HUB International. Chrystina relates a bit of her career and then explores topics around emerging disruptions such as climate change and extreme weather, geopolitical whiplash, the pandemic, and AI. Chrystina shares her recipe for organizational resilience and some tips for catching and holding the attention of the C-Suite and the board.   Listen for hints about Chrystina's upcoming webinar and her presentation on November 17th at the RIMS ERM Conference 2025 in Seattle, Washington.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is our live virtual program led by the famous James Lam. Great news! A third cohort has been announced, from January through March 2026. [:32] Registration closes January 5th. Enroll now! A link is in this episode's show notes. [:43] About this episode of RIMScast. We will talk all about ERM with Chrystina Howard, ERM Leader of the Complex Risk Practice at HUB International. But first… [1:10] RIMS-CRMP Prep Workshops! The CBCP and the RIMS-CRMP are presenting The Exam Prep Bootcamp for "Mastering Business Continuity and Risk Management" from November 3rd to 6th. That is a virtual course. [1:23] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:40] RIMS Virtual Workshops! RIMS has launched a new course, "Intro to ERM for Senior Leaders." It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:54] On November 11th and 12th, Chris Hansen will lead "Fundamentals of Insurance". It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on the virtual workshops! [2:13] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:24] RIMS Webinars! On October 30th, Swiss Re will present "Parametric Insurance: Providing Financial Certainty in Uncertain Times". On November 6th, HUB will present "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World". [2:45] Register at RIMS.org/Webinars. [2:48] The RIMS ERM Conference 2025 will be on November 17th and 18th in Seattle, Washington. [2:56] If you are a Washington resident who would like to attend, you can enjoy an exclusive $150 discount on your registration by entering the discount code ERM2025WA on the Review step of the registration form. Act quickly because this offer expires on Friday, October 31st. [3:18] This is your chance to expand your ERM knowledge, here in Washington. That brings us to today's guest, Chrystina Howard. Chrystina is the ERM Leader of the Complex Risk Practice at HUB International, and she will be one of the presenters at the RIMS ERM Conference in Seattle. [3:39] On November 17th, she will present "Talk ERM to Me: How to Get and Keep Attention from Management." On November 6th, she will be moderating the HUB International Webinar "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World." [3:59] Registration links for the conference and the webinar are in this episode's show notes. [4:04] On with the show! We're all about ERM in this episode, and I wanted to give you all a chance to get to know Chrystina a little bit, in case you want to meet with her virtually, in person, or both. Let's get to it! [4:14] Interview! Chrystina Howard, welcome to RIMScast! [4:22] We will see more of Chrystina soon, on November 17th and 18th, in Seattle, Washington, at the RIMS ERM Conference 2025. We're going to talk more about that in a bit. [4:39] Chrystina Howard spent a couple of decades with the Willis Towers Watson organization, where she looked after ERM consulting. She built out a platform and rolled it out, that is still going strong globally. [4:53] Chrystina says she was fortunate to come to the HUB International organization, with a great culture, where she kick-started an ERM Consulting Division. She's having a blast, helping clients get what they need in terms of risk management. [5:14] Chrystina says that when building the ERM Consultancy, she had a lot of great folks to work with and two decades under her belt of developing processes and models. She was set to go as soon as she arrived at HUB. [5:31] Chrystina says they have great specialization, and she is able to get into a lot of industry risk information that she may not have known, to build out the breadth of the consultancy. She helps people learn what ERM is, how it's used, how it works, and why people are interested in it. [5:53] Chrystina says, We're just guns blazing, now! [6:09] Chrystina says geopolitical risks are definitely at the forefront for organizations. This includes economic volatility around the globe, tariffs, and import/export regulations between countries, that will call the shots for some time.  [6:27] Chrystina says right along with geopolitical risks will be the effective use of AI. There are security concerns with AI. Some people are not comfortable with it. We're moving into a phase where we've got to put AI to work for us. How can we do that effectively and securely? [6:44] Chrystina says a lot of industries will have staffing challenges, particularly skilled workers. It will hit the healthcare industry pretty hard, along with agriculture, and construction. [6:58] Chrystina says she is seeing a bit of a resurgence in ESG risks. Despite the regulatory environment, people are keen to make sure that companies are being good environmental stewards, treating employees fairly, and behaving as the public thinks is appropriate. [7:41] AI will make data compilation and claims processing faster. Chrystina has been reading of physicians and medical practitioners using AI as a background double-check when they're working toward a diagnosis. [7:58] With its access to information, AI might ask, Your diagnosis is probably right, but did you consider this? We hope this will enhance the diagnostic process, and not take over. [8:11] There is a concern that there's pressure to use AI tools because your colleagues are using them. If you rely on it too much, that can also backfire. We're going to have to strike a balance. [8:40] Chrystina is an optimist when it comes to AI. AI tools can make shorter work of a lot of things in ERM, like scenario analysis; having a tool that will allow you to see multiple scenarios that maybe individuals couldn't come up with on their own, and make decisions from them. [9:06] Chrystina mentions automation for reporting and metric updates. Successful organizations that have the resources can use AI in ERM training, policy updates, and even collecting information through surveys and interviews. [9:23] Enhancing dashboards is a big focus going forward, getting a robust database that gives alerts and keeps everybody up to date. [9:35] Justin mentions crises of the past few years. The Baltimore Key Bridge collapsed a year ago, and we don't hear about it anymore. Justin asks, How can ERM leaders keep resilience and risk appetite aligned with long-term strategy, rather than reactive short-term fixes. [10:00] Chrystina thinks ERM, by nature, is focused on preparation and then response. It takes into account "left of loss." Before the incident occurs, how can we prepare ourselves the best and implement plans should something happen?  [10:16] Chrystina has seen organizations widely embrace ERM more readily following the successful navigation of crises. [10:24] It would behoove ERM leaders to seize that opportunity and make a great connection between the protection and preparation that ERM brought through the crisis to the strategic success of the organization. [10:40] ERM leaders may have to campaign a little bit still, but it's something they can point out to executives, and the selling of ERM will be a lot easier. [10:53] Quick Break! RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through the 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by October 30th! [11:12] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by October 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [11:26] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [11:37] Save the dates March 18th and 19th, 2026, for The RIMS Legislative Summit, which will be held in Washington, D.C. [11:46] Join us in Washington, D.C., for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. Visit RIMS.org/Advocacy for more information and updates and to register. [12:02] Let's return to our interview with Chrystina Howard! [12:08] Chrystina Howard is the ERM Leader of the Complex Risk Practice at Hub International. Justin asks Chrystina about ERM leaders needing to campaign. Chrystina is one of the featured presenters at the RIMS ERM Conference 2025 in Seattle, Washington, November 17th and 18th. [12:58] Chrystina's foundational session is called "Talk ERM to Me: How to Get and Keep Attention from Management." It is a solo session. She likes to be at the controls! [14:09] Chrystina says speaking about risk to management is a perennial struggle. One of the top questions she gets is how to translate ERM for the C-Suite so they understand the value of the work. [14:21] As risk management professionals, we often get excited about details that might not capture management's attention. [14:29] We have to think about things from the perspective of a CEO and a CFO. What things are important to them? What are they keeping an eye on? How does this relate to the bottom line? Connect those things. Connect risk management to strategy. [14:45] Demonstrate how the protection and preparation of things like Enterprise Risk Management support the execution of corporate strategy. When you're talking to the C-Suite, you've got to hit the high points, quick, like an elevator speech. [15:00] Link positive impacts of risk management to things that the C-Suite is focused on. Grab attention with things that are on their minds, like growth, M&A, performance volatility, how we're doing in the market, how these things play out, and how to help minimize volatility. [15:20] Chrystina says we see a lot of interest from private equity in the strategic business practice of ERM. That's a good thing for risk professionals to keep in mind as they campaign for ERM. There are other people who are keen to know about it. [15:48] ERM gets alerts about negative trends, but it's important to keep the positive news coming too about how they helped create a solution, minimize a threat, and protected the organization so that operations can continue and the strategy can go forward. [16:33] Chrystina says Streamline things. She approaches ERM from a practical and realistic perspective. She doesn't like a lot of jargon or a lot of metrics. She likes simple, streamlined stuff that everybody can get on board with. [16:51] Chrystina tells people, Don't boil the ocean. Participants and risk owners are going to get bogged down if they've got too many things to keep track of. Set up tiers of risks. Start at the top. What can we affect over the next year or two years? [17:10] Keep it practical and realistic. Limit the amount of information you collect. If you start adding different metrics and definitions, that can be a slippery slope. You have to train people how to do it. They have to remember what it's supposed to be. And there are updates to fill out! [17:33] Think about how often you're asking people to update. Every so often, have a blank-sheet risk assessment. Limit how often you do updates throughout the year. [18:14] Reporting intervals should be more than twice a year. Strict ERM practitioners are going to be monitoring risks and looking at the dashboard and the risk register, preparing all the time to report to management. [18:34] Risk owners are an important source of information. All of those folks already have a job; maybe a job and a half. We have to be careful about how we engage them so that we get robust information and we don't overwhelm them. [18:50] When we do updates, they should be limited but powerful. These are the big things that you want executives to know about. Once a year, when you do your board presentation, tell them these things are going great and you want to update them on these other things. Keep it simple. [19:19] One Final Break! As many of you know, the RIMS ERM Conference 2025 will be held on November 17th and 18th in Seattle, Washington. We recently had ERM Conference Keynote Speaker Dan Chuparkoff on the show. [19:36] He is back, just to deliver a quick message about what you can expect from his keynote on "AI and the Future of Risk." Dan, welcome back to RIMScast! [19:47] Dan says, Greetings, RIMS members and the global risk community! I'm Dan Chuparkoff, AI expert and the CEO of Reinvention Labs. I'm delighted to be your opening keynote on November 17th, at the RIMS ERM Conference 2025 in Seattle, Washington. [20:02] Artificial Intelligence is fueling the next era of work, productivity, and innovation. There are challenges in navigating anything new. This is especially true for risk management, as enterprises adapt to shifting global policies, economic swings, and a new generation of talent. [20:20] We'll have a realistic discussion about the challenges of preparing for the future of AI. To learn more about my keynote, "AI and the Future of Risk Management," and how AI will impact Enterprise Risk Management for you, listen to my episode of RIMScast at RIMS.org/Dan. [20:39] Be sure to register for the RIMS ERM Conference 2025, in Seattle, Washington, on November 17th and 18th, by visiting the Events page on RIMS.org. I look forward to seeing you all there. [20:50] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [20:58] Let's Conclude Our Interview with Chrystina Howard! [21:05] Justin reminds the listeners, Before we get to see Chrystina live at the ERM Conference 2025, she will be moderating a RIMS Webinar sponsored by HUB, titled "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World." [21:23] Chrystina says everyone is talking about this, and she's excited to get some great experts about it on the line. Justin notes that over the past few years, geopolitical volatility has intensified with trade wars, sanctions, and supply chain disruption. [21:54] Chrystina says there are so many, and they are interrelated. In conflict areas, everything gets turned upside-down. On a global basis, the U.S. economy has broad-reaching impacts. She would keep an eye on import/export trends. This global trade issue is so volatile and dynamic. [22:22] You cannot sleep on the changing regulations around the world. An important subset related to global trade is increasing requirements for in-country hiring and procurement. That will affect a lot of people with respect to where we grow things and get raw materials and tech. [22:51] Chrystina doesn't think we've seen the end of supply chain disruption. She mentions extreme weather from climate change. A large component of the outcome of climate change is energy security. She doesn't think we're clear of pandemics, either. [23:11] Justin says Hilary Tuttle, Editor of RIMS Risk Management magazine, told him something a year ago that has stayed with him. "We're not in post-pandemic anymore. We're in post-height-of-the-pandemic." It's still here. It's never going away. [24:11] Chrystina says there is no substitute for local knowledge and experience. The best way to approach a Global ERM Program across all of your jurisdictions is for ERM leaders to have deputies in each of the jurisdictions. [24:30] These deputies should have a very keen sense of the landscape in their region in terms of policy, risk, interactions, and trade, as well as an understanding of the big picture across the global organization. [24:46] Those people will be key to develop in all of your locations to support the ERM function. They have a job. It doesn't mean hiring extra staff. You can generally find people with that level of expertise locally, with a good understanding of the big picture, within your existing personnel. [25:15] Making that connection with individuals who know exactly what's happening there on the ground is crucial. Chrystina says that is the very best solution. [25:49] Chrystina says there are a number of stakeholders for any organization, internal and external. Chrystina is seeing favorable views from insurers toward companies and organizations that have implemented ERM globally. [26:07] Other key stakeholders also want assurances that there are plans in place to protect them. This goes back to the inception of ERM when there was serious mismanagement at companies like WorldCom and Enron. [26:23] Everybody's board was asking who's minding the store? This isn't going to happen to us, right? [26:27] All of this risk is ultimately going to roll up to your reputation. That's difficult but not impossible to quantify. You can demonstrate how ERM plans address global threats in an anecdotal fashion. That will communicate real value and put people's minds at ease. [26:52] You can do that in a country-specific way with partners in the countries to communicate the nuances, and give you information about how things work in there, why the risk is a problem, what are the drivers, what are the vulnerabilities, and how might this take place? [27:19] That session will be on November 6th. Chrystina will moderate it with Eric Howie, the Vice President for Complex Risk in Canada, and Will Mule, Global Risk Solutions Practice Leader for HUB. For that session, Chrystina asks listeners to send in their questions ahead of time. [28:00] The links to both the ERM Conference 2025 and the Webinar, "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World," are in this episode's show notes. [28:12] Chrystina, it's been lovely to see you again. I can't wait to see you virtually and in person. [28:21] Special thanks again to Chrystina Howard for joining us. Remember to register for the HUB November 6th Webinar, "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World," that she will be moderating. [28:32] On November 17th, Chrystina will be hosting the session, "Talk ERM to Me" (but she'll be talking to you), at the RIMS ERM Conference 2025! Registration links for the Webinar and for the RIMS ERM Conference 2025 are in this episode's show notes. [28:51] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [28:19] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [28:38] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [28:55] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [30:12] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [30:26] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [30:38] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Washington Residents — Enjoy $150 off ERM Conference Registration through Oct. 31! "RIMS-CRO Certificate Program In Advanced Enterprise Risk Management" | Jan‒March 2026 Cohort | Led by James Lam RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RISKWORLD 2026 — Members-only early registration through Oct 30! LAST DAYS! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now RIMS Professional Report: "Understanding Interconnected Risks" Upcoming RIMS Webinars: RIMS.org/Webinars "Parametric Insurance: Providing Financial Certainty in Uncertain Times" | Oct. 30, 2025 | Sponsored by Swiss Re "Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World" | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: CBCP & RIMS-CRMP Exam Prep Bootcamp: "Mastering Business Continuity & Risk Management" | November 3‒6, 2025 "RIMS-CRMP-FED Exam Prep Virtual Workshop" — November 11‒12 Full RIMS-CRMP Prep Course Schedule "Intro to ERM for Senior Leaders" | Nov. 4‒5 | Instructor: Elise Farnham "Fundamentals of Insurance" | Nov. 11‒12 | Instructor: Chris Hansen "Leveraging Data and Analytics for Continuous Risk Management (Part I)" | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about ERM: "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "ERM, Retail, and Risk with Jeff Strege" "Bigger Risks with the Texas State Office of Risk Management" | Sponsored By Hillwood "ERMotivation with Carrie Frandsen, RIMS-CRMP" "Live from the ERM Conference 2024 in Boston!" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent (New!) "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant (New!) "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report" | Sponsored by AXA XL "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Chrystina Howard, ERM Leader, Complex Risk Practice, HUB International   Production and engineering provided by Podfly.  

Do you ever find yourself opening multiple tabs, comparing shopping portal payouts, and trying to figure out which site is going to give you the most rewards for your online shopping — only to give up before you actually earn the points? If that sounds familiar, today's episode is for you. In this Streamline, Stack, and Save mini-series episode, I'm joined by Avneesh Kohli, founder of Savewise, a powerful tool that shows you exactly how to combine the best shopping portal payouts with card-linked offers — so you can maximize every online purchase without the hassle of manual tracking or endless research. Savewise is a total game changer for award travelers who want to earn more points without wasting time. The platform automatically finds the best portal and card-linked combinations for each purchase, helping you get the highest payout possible — every time you shop online. In this conversation, Avneesh and I talk about how Savewise works, why it's become one of my favorite online tools, and how it helps you earn more points with less effort. We also dive into how it fits into a broader points-earning strategy, why automation is key to long-term success, and how you can start using it right now — just in time for holiday shopping. Whether you're new to the points world or a seasoned award traveler, this episode will help you make every purchase count. Get full show notes and transcript: https://pointmetofirstclass.com/track-and-save-money-with-savewise/ Want to shape the show? Take the Point Me To First Class listener survey and share what you love and want more of!  Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here.  

 Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2025Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityMake sure you mention: CTISUMMER to get FREE data migration!If you're ready to make a real change in your shop's success, join Shop Marketing Pros' Plan With the Pros workshop this October to connect with them and other shop owners. You'll leave with your entire year for 2026 planned out. Click here to register: https://geni.us/PlanWithTheProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Samantha Higdon, founder of Shift Point Academy. Samantha explains the philosophy behind Shift Point's training, emphasizing relationship-based selling and the importance of communication within shop teams. The conversation also explores how training programs can adapt in a changing industry, including countering the impact of AI and fostering ongoing accountability for both trainees and shop owners.00:00 Top Tier Service Advisor Insights08:01 Importance of Parts Deposit14:25 "Communication Challenges with Autism"20:58 Service Advisor Training Incident25:58 Messy Hotel Stay After Bar Visit32:35 "New CSR Training in NJ"38:33 "Shopware Inspection with 5 Cs"39:57 "Manual Workflow Explanation"45:15 Cost Breakdown of Diagnostic Tests50:37 Grocery Shopping Routine55:48 Spring Car Care Clinic Recap01:01:58 Faulty Inspection Uncovered

Episode Title: ASMR Personal Attention Sleep: Storm ComfortDescription: Drift into deep rest with gentle personal attention layered over soft storm ambiance. In this episode, you'll be guided through calming whispers, light reassurance, and soothing breath cues while rain and distant thunder create a cozy soundscape. We'll walk through a simple wind-down ritual, body scan relaxation, and reassuring phrases designed to quiet racing thoughts and ease nighttime tension.Highlights:Warm, personal attention to help you feel safe and cared forSlow, rhythmic breathing and body scan for full-body releaseSoft rain and low thunder for a cocoon-like sleep environmentTips for integrating storm sounds into your nightly routineSet your space, dim the lights, and let the storm's gentle rumble pair with comforting guidance to help you fall asleep faster and stay asleep longer. If you wake up in the night, return to the breath cues and the rain—this episode is crafted to help you glide back into rest.We'll be here next time with another calm-focused session to support your sleep and peace.=======DISCLAIMER

Are you managing membership plans in your dental practice but not sure if you're doing it efficiently? In this episode, Dayna Johnson breaks down how to manage membership plans inside Dentrix—without creating chaos in your system. She walks you through the levels of membership management—from basic tracking to advanced setups—so you can choose what works best for your team. Whether you're just starting or optimizing your process, you'll get practical, real-world tips to simplify workflows, protect profitability, and keep your data accurate. ✅ Key Takeaways: ~ Understand your practice's unique needs for membership management ~ Learn how to track hygiene and discounts correctly ~ Avoid common Dentrix mistakes (like linking membership to insurance!) ~ Discover how to use fee schedules and custom codes effectively ~ Streamline your operations and save time using built-in Dentrix tools

This episode is sponsored by Moara.io and contains corporate sponsored content. All content is provided by Moara.io. The views, opinions, and content expressed during this sponsored episode are those of the participants, and do not necessarily reflect the views of the podcast or the Charleston Hub. Sponsorship does not imply endorsement of any products, services, or statements made during the episode. Thank you to Moara.io for supporting ATG the Podcast and its mission to connect librarians, publishers, and vendors. Moara.io:  (a next gen literature review workflow tool), “Organize and review your research papers. Streamline your literature review process with guided workflows, seamless collaboration, and AI enablement.” Today's episode features a conversation between John Frechette , CEO, moara.io; Adjunct Instructor, George Washington & Stevenson University; Ben Kaube, Co-founder, Cassyni; and Aaron Tay,  Head of Research & Data Services, Singapore Management University. This conversation explores how AI is reshaping the research process - from how papers are discovered to how findings are analyzed, shared, and rewarded. John talks with Ben and Aaron about the new realities of AI-driven search, publishing, and research workflows. Together, they discuss where automation helps or harms, how publishers and librarians are adapting, and what the rise of AI means for research quality and integrity. https://www.linkedin.com/in/jfrechette/ https://www.linkedin.com/in/ben-kaube/ https://www.linkedin.com/in/aarontay/  Keywords: #Moara.io #Research #ResearchIntegrity #ResearchQuality #ResearchWorkflows #FutureOfResearch #AI #AITools #AIDriven #AIEthics #ResearchTools #AcademicTools #AcademicInnovation #PublishingInnovation #DigitalPublishing #OpenAccess #OpenSource #OpenScience #OpenResearch #Innovation #career #scholcomm #ScholarlyCommunication #libraries #librarianship #LibraryNeeds #LibraryLove #ScholarlyPublishing #AcademicPublishing #publishing #LibrariesAndPublishers #podcasts

Conversation with Christopher SalemIt's not enough to simply offer great craftsmanship. High-performance builders often face the challenge of standing out in a crowded market and converting leads into loyal clients. Too many struggle with marketing that doesn't truly resonate with their target audience, leaving them chasing after business instead of attracting it effortlessly.This webinar will help you unlock the marketing strategies that transform your business from invisible to irresistible. In this session, you'll learn how to craft a compelling message that builds trust, positions you as the go-to expert in your field, and makes clients eager to hire and refer you.This isn't about simply getting more leads; it's about getting the right leads who trust your expertise and want to work with you. You'll discover how to position your brand to ensure prospects see you as their ideal choice, learn how to structure your sales process for smoother conversions, and most importantly, how to turn satisfied clients into your best marketing tool: referrals.By the end of this session, you'll have actionable insights to fine-tune your messaging, streamline your sales processes, and grow a client base that not only hires you but keeps coming back and recommending you to others.Ready to stop chasing clients and start building a reputation that drives steady, repeatable business?Key Takeaways:Reposition your brand messaging to speak directly to the pain points and desires of your ideal clients, so you stop blending in and start standing out as their trusted choice.Streamline your sales process to convert more leads into loyal, long-term clients—without the constant back-and-forth or uncertainty that holds your business back.Leverage satisfied clients to fuel your growth by turning them into your most powerful marketing asset: the repeat referrals that keep your pipeline full and your brand thriving.

Shoot us a Text.Episode #1178: We dive into Q4 service strategy with Joe Castelino, VP of Fixed Ops at American Motors Group. From holiday PTO and campus ebb-and-flow to tech-enabled check-ins and bay visibility, Joe shows how disciplined processes and smart tools keep throughput high and customers happy into year-end.Show Notes with links:Plan for dual PTO: your team and your customers. College-town stores see sharp holiday rushes from parents and students—staff and stock accordingly.Stick with what works: sub-hour cycle times, ~30-minute LOFs, and rigorous FRFT targets keep lanes moving when volume spikes.Streamline write-up: mobile/electronic check-in, photos/video, and voice-to-text (or customer noise recordings!) reduce ambiguity and speed technician diagnosis.See the bottlenecks: SkaiVision plate recognition flags unattended vehicles, long waits, and even surface sales opportunities from the lane.“Q4 tends to be a little more strategic—we hunker down and execute what we've practiced all year.” — Joe CastelinoJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Episode Title: Thunderstorm Sounds for Sleeping: Safe Shelter StormDescription: Drift into deep rest with the comforting rumble of a passing storm—heard from the safety of an imagined cozy shelter. In this episode, we guide you through a gentle bedtime visualization: picture soft rain on a roof, distant rolling thunder, and the steady hush of wind that helps your mind let go. You'll learn simple breathing cues to quiet racing thoughts, tips for creating a sleep-friendly routine using storm soundscapes, and ways to pair thunder audio with mindfulness to ease nighttime anxiety.Whether you're winding down after a long day or trying to fall back asleep in the middle of the night, these calming storm textures can help signal to your nervous system that it's okay to rest. Press play, settle in, and let the Safe Shelter Storm carry you into deeper, more restorative sleep.Stay with us for more episodes that support your nightly wind-down and overall well-being.=======DISCLAIMER

Q4 strategy doesn't have to mean endless discounts. It's time to think bigger. In this episode, Emma reveals how product-based business owners can dominate the final quarter of the year without slashing prices or relying on flash sales. From building VIP access campaigns that spark excitement, to creating story-driven bundles that connect emotionally with your audience, you'll discover how to turn your holiday marketing into a powerful brand-building season. Emma also shares how to use user-generated content, experiential pop-ups, and cross-brand collaborations to create memorable customer experiences that drive real revenue, not just quick conversions. If you're ready to finish 2025 strong and step confidently into 2026 with a thriving, loyal community behind your brand, this is the episode you can't afford to miss. Listen in as Emma explains: How to reframe discounts into exclusive access that drives urgency and loyalty The secret to designing story-driven holiday bundles that actually sell Why UGC and community storytelling outperform traditional Q4 ad strategies And much, much more! Connect with Ninety Five Media: Website Instagram Need Support with Your Podcast? We've got you covered Book a Strategy Intensive Call with Emma for a custom marketing plan for your brand: strategyintensivecall.co Book a call to explore our social media management services for your business! ninetyfivemedia.co/book-a-call Streamline your client experience and make your life easier with Ninety Five Media's favorite CRM, Dubsado! Get 20% off your first month or year with code: emma20

Episode Title: 10 Hours of Rain Sounds for Working: Light Office RainDescription: Settle into a focused groove with a gentle tapestry of office rain—soft patter on windows, distant drips, and a steady, unobtrusive ambiance designed to help you work longer and calmer. This 10-hour soundscape minimizes distractions, smooths mental clutter, and creates a consistent sonic backdrop ideal for deep work, studying, reading, or quiet creative time.What you'll experience:A balanced blend of light rain and subtle room toneLow-frequency hush to support concentration without harsh peaksSeamless, uninterrupted audio for long sessionsTips for using this episode:Pair with noise-canceling headphones for best focusSet a timer (25–50 minutes) for work sprints, then take short breaksKeep volume moderate—just enough to soften external noiseTry journaling or planning during the first 5 minutes to prime your tasksTake a breath, cue up the rain, and let your workspace feel calmer and more productive.=======DISCLAIMER

Episode Title: 10 Hours of Relaxing Music with Thunderstorm AmbienceDescription: Unwind with a full 10-hour soundscape blending gentle instrumental music and natural thunderstorm ambience. This long-form episode is crafted to help you sleep deeper, study with focus, meditate, or simply find a calm background for your day. You'll hear soft melodies layered with distant rumbles, light rain, and occasional rolling thunder—balanced to be soothing, not startling.Tips for listening:For sleep: set your volume low, use a sleep timer, and dim the lights.For focus: play at moderate volume and pair with a simple breathing rhythm (inhale 4 counts, exhale 6 counts).For relaxation: visualize a cozy room with rain outside, and let the steady rhythm ease tension from your shoulders and jaw.Whether you're resting or working, let this continuous mix turn your space into a peaceful retreat. Take a moment for yourself—your mind will thank you.Join us next time as we bring you more calming soundscapes and simple practices to help you feel centered.=======DISCLAIMER

Episode Title: 10 Hours of ASMR Sounds for Sleep: Umbrella RainDescription: Drift into a deep, restorative sleep with the gentle patter of rain on an umbrella. This 10-hour ASMR soundscape blends soft raindrops, distant ambience, and a cozy canopy effect that mimics being sheltered under an umbrella—perfect for winding down, studying, meditating, or masking nighttime noise. Use it as a calming backdrop for your bedtime routine, pair it with slow breathing, or play it low while reading to ease your mind and body into rest. Press play, settle in, and let the rain carry you to a peaceful, uninterrupted night's sleep.—DISCLAIMER This episode may include ads. If you'd like to support the show and listen ad-free, you can subscribe on Patreon for as little as $5/month or via Apple Podcast Subscriber-Only Audio.Subscriber Perks:Ad-free weekly episodesSpecial podcast promotionsEarly access to select releasesCheck our Patreon: https://www.patreon.com/c/hustlestudiosOr subscribe using the Apple Podcasts app: http://go.thehustle.studio/subscribeThank you for your support!Connect with Us Visit us on Facebook: https://www.facebook.com/hustlestudiosincEpisode SponsorsNoota: Your go-to transcription tool and smart alternative for Zoom meetings.Sign up here: https://noota.cello.so/MfzMQhRASVYMoxie Built for freelancers and small businesses, Moxie helps you:Invoicing: Create professional invoices.Client Relationship Management (CRM): Keep client info and communication organized.Project Management: Track tasks and files.Expenses: Monitor and categorize spending.Proposals and Contracts: Draft, send, and manage easily.Time Tracking: Stay on top of billable hours.Streamline your freelance workflow with Moxie.Learn more: https://www.withmoxie.com?_get=paul64Transform Your Audio into Content Magic Join our creator community and level up your Castmagic workflow with custom Presets and Community Prompts.Why it's great:Turn audio into ready-to-use content fastAccess Featured Community PromptsImprove productivity with tailored toolsSign up: https://get.castmagic.io/l6g5zae3d7g5Support this podcast at — https://redcircle.com/sleep-calming/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Today's show: *Is the AI bubble going to POP? And if so, how much of our economy is it going to take down with it?On a new TWiST, Jason, Alex, and Lon debate the size and scale of the AI bubble, whether poppage is imminent, and just who we can blame for the last few economic crises. (HINT: Not the tech industry!)PLUS why Jason STILL thinks the current AI cycle will be the biggest in tech history, how this morning's AWS mega-failure might impact the company's earnings, the spread of AI fakes in the wake of this weekend's No Kings march, why LLMs may soon put your broker out of business, and much much more.**Timestamps:** (00:02:26) Is AI a BUBBLE? And if so, how BIG?(00:05:12) Are all the major bubbles and corrections always Wall Street's fault?(00:08:39) Why Jason thinks this AI will be the biggest cycle in the history of technology(10:00) LinkedIn Ads: Thanks to our partner @LinkedInMktg. Launch your first campaign and get $250 FREE when you spend at least $250. Go to [http://LinkedIn.com/ThisWeekinStartups](https://www.linkedin.com/thisweekinstartups) to claim your credit.(20:00) Thank you to our partner @trustvanta! TWiST listeners automate your SOC2 and get $1,000 off at http://www.vanta.com/twist(00:23:01) Will this morning's AWS failure impact Amazon's earnings?(30:00) Thanks to our partner @Openphone! Streamline and scale your customer communications with Quo. Get started free, plus get 20% off your first 6 months, at [http://quo.com/TWiST](http://quo.com/TWiSThttp://quo.com/perks/twist)(00:32:49) People couldn't spot AI fakes from this weekend's protests… are we cooked?(00:49:54) Jeremy Strong shows off his Mark Zuckerberg impression… and Jason is impressed*Thank you to our partners:LinkedIn Ads: Thanks to our partner @LinkedInMktg. Launch your first campaign and get $250 FREE when you spend at least $250. Go to [http://LinkedIn.com/ThisWeekinStartups](https://www.linkedin.com/thisweekinstartups) to claim your credit. @trustvanta! TWiST listeners automate your SOC2 and get $1,000 off at http://www.vanta.com/twist@Openphone! Streamline and scale your customer communications with Quo. Get started free, plus get 20% off your first 6 months, at [http://quo.com/TWiST](http://quo.com/TWiSThttp://quo.com/perks/twist)*Check out Jason's suite of newsletters: https://substack.com/@calacanis*Follow TWiST:Twitter: https://twitter.com/TWiStartupsYouTube: https://www.youtube.com/thisweekinInstagram: [https://www.instagram.com/thisweekinstartups](https://www.instagram.com/thisweekinstartups/)TikTok: https://www.tiktok.com/@thisweekinstartupsSubstack: [https://twistartups.substack.com](https://twistartups.substack.com/)*Subscribe to the Founder University Podcast: https://www.youtube.com/@founderuniversity1916All rights for the video shared and linked below belong to the original copyright holder, and we are using the footage under the principle of fair use.Listen here:Apple: https://podcasts.apple.com/us/podcast/this-week-in-startups-audio/id315114957Spotify: https://open.spotify.com/show/6ULQ0ewYf5zmsDgBchlkr9Overcast: https://overcast.fm/itunes315114957/this-week-in-startups-audioMore from us:Twitter: https://twitter.com/twistartupsInstagram: https://www.instagram.com/thisweekinstartupsOfficial site: https://thisweekinstartups.comSubscribe to our YouTube to watch all full episodes:https://www.youtube.com/channel/UCkkhmBWfS7pILYIk0izkc3A?sub_confirmation=1Subscribe to TWiST Clips for all the best moments:https://www.youtube.com/channel/UCS7tJlcUA6PzVHEMo-X7ddg?sub_confirmation=1#startups #entrepreneurship #investing #angelinvesting #tech #news #business

In episode 112 of Going Forward, Eric Elliott is joined by Michael Scarpati, co-founder and CEO of RetireUS, to expose the hard truths behind financial planning today. From the myth of “set it and forget it” retirement accounts to the hidden toll of financial stress, he explains why doing nothing may be the most dangerous decision of all.Together, they unpack why 85% of financial professionals aren't required to act in your best interest, how trust in big-name institutions can leave families vulnerable, and why financial wellness is really a form of mental wellness. As Michael shares, financial stress doesn't stay in your bank account, it bleeds into your health, relationships, and leadership.Eric and Michael dive into how fintech is opening access for the 98%, how independent fiduciaries are reshaping trust, and why clarity with money is the key to leading with confidence in uncertain times. Whether you're early in your career, preparing for retirement, or leading a business through chaos, this conversation will give you the clarity to stop "crockpotting" your future and start planning it with intention.Connect w/ Eric Elliott:Website: https://ericelliott.com/⁠⁠⁠LinkedIn: https://www.linkedin.com/in/eric-elliott-45704745/Instagram: https://www.instagram.com/ericmelliott/Twitter: https://x.com/ericmelliottLinktree: https://linktr.ee/ericmelliottEmail: Eric@EricElliott.comText: 843-279-5843Connect w/ Michael Scarpati:Website: https://retire.us/LinkedIn: https://www.linkedin.com/in/michael-a-scarpati/Instagram: https://www.instagram.com/retire.usSupercharge your online advertising campaigns with Optmyzr!Streamline management, optimize performance, and boost your ROI. Visit ⁠⁠⁠⁠https://hs.optmyzr.com/hs/vip⁠⁠⁠⁠ to discover how Optmyzr can revolutionize your digital marketing.Also, as a special treat for our listeners, sign up with the code GOINGFORWARD20 and enjoy an exclusive 20% discount on your first year with Trainual! Seize this opportunity to supercharge your operations and propel your business forward!Eric Elliott is a self-made entrepreneur and marketing expert with extensive experience crafting impactful brand narratives for clients across industries. He is the founder of VIP Marketing and Craft Creative. In 2009, Mr. Elliott started VIP Marketing with almost no resources. VIP now has a global team and is recognized as one of the top branding agencies in the USA by Clutch.co. He founded Craft Creative in 2015, a full-service video production company providing premium services to clients across the US. Eric is also the host of Going Forward, a podcast moving conversations with entrepreneurs and leaders that inspire, motivate, and challenge you to embrace possibility and make a difference. Mr. Elliott is the author of numerous articles and an active contributor to Entrepreneur Magazine, Forbes, and Medium. Recognized as a pillar of his community, the city of North Charleston established Eric Elliott Day to honor his name and legacy to inspire others.Going Forward is brought to you by ⁠VIP Marketing⁠.VIP Marketing is a law firm marketing agency based in Charleston, SC. Our mission is to partner with our clients to make them the choice in their market, not just a choice. We're focused on helping them thrive in the digital age by providing a comprehensive suite of services specifically tailored to their needs including: digital marketing services such as SEO and PPC; brand strategy and identity design; website design and development; and premium video production. At VIP Marketing, we elevate the marketing presence of law firms, helping them stand out in competitive markets.

Have you ever opened a new credit card for the welcome bonus, only to forget how much you've spent or when the deadline hits? Or maybe you're juggling multiple cards and can't remember which one to use next. In this next episode of our Streamline, Stack, and Save mini-series, I'm joined by Zac Hood, founder of Travel Freely, an app that helps you track your credit cards, sign-up bonuses, and annual fees — so you can stay organized, hit your goals, and never miss a reward. Zac built Travel Freely after realizing how easy it was to lose track of credit card bonuses, fees, and timelines. What started as a simple spreadsheet turned into a tool that helps thousands of travelers manage their rewards efficiently. In this conversation, Zac and I talk about how Travel Freely works, why it's free to use, and how it helps users stay on top of their credit card portfolio. We also discuss how to plan future card openings strategically, how to track spending toward welcome offers, and how the app helps travelers simplify their credit card portfolio — especially when juggling multiple issuers and family accounts. You'll also hear Zac's story of building the platform from scratch and the lessons he's learned about balancing automation, accuracy, and user trust in the points and miles world. Get full show notes and transcript here Want to shape the show? Take the Point Me To First Class listener survey here and share what you love and want more of! Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here: https://pointmetofirstclass.com/pointsmadeeasy

 Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2025Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityMake sure you mention: CTISUMMER to get FREE data migration!If you're ready to make a real change in your shop's success, join Shop Marketing Pros' Plan With the Pros workshop this October to connect with them and other shop owners. You'll leave with your entire year for 2026 planned out. Click here to register: https://geni.us/PlanWithTheProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Ken Miller, owner of 821 Collision and president of AASP New Jersey. Ken outlines the ongoing challenges faced in the collision repair industry, stressing the relentless pressure from insurance companies and their impact on repair quality. He shares a chilling story about uncovering dangerously incomplete repairs on a nearly new vehicle, emphasizing the importance of thorough inspections and documentation. The conversation also explores the increasing overlap between collision and mechanical shops, driven by the complexities of ADAS systems and the need for greater collaboration and education in both fields.00:00 Insurance Challenges Undermine Auto Repair05:09 Tampered Seat Belt System Detected08:00 Post-Collision Inspection Basics12:45 Car Repair Struggles and Inspections13:26 Car Imperfections and Concerns16:43 Professional Responsibility Irrefutable20:29 Insurers' Auto Settlement Practices24:50 Researching Title 17 Regulations28:22 CEO-Employee Pay Gap Concerns32:29 Dispute Over $40K Repairs36:36 Calibration and Liability in Auto Repairs40:22 Reluctance in Auto Repair Challenges42:08 Insurance Companies' Calibration Dispute46:44 Licensure Tied to I-CAR Accreditation50:01 "Advanced Auto Tools Misjudged"51:44 Challenges in Training and Labor Rates55:46 Expanding Mechanical Team in NJ58:14 Enhancing Mechanical Show Value

Drift into deep rest with the gentle patter of mountain rainfall. This 10-hour ambience is crafted to help you unwind, ease stress, and fall asleep naturally. Picture a cozy cabin tucked in the hills, soft rain tapping on the roof, and distant droplets weaving a steady, soothing rhythm. Whether you're settling in for the night, meditating, or simply need a calm backdrop while you work or read, this extended session offers uninterrupted tranquility.Tips for a better experience:Lower screen brightness and set a sleep timer.Pair the rain with slow breathing: inhale for 4 counts, exhale for 6.Keep the volume low—rain works best as a gentle, consistent sound.Take a few minutes to be still today. Let the mountain rain ease your mind and guide you into restorative sleep.=======DISCLAIMER

If the thought of unpacking bins of holiday decorations makes you feel more stressed than merry, this episode is for you. I'm walking you through five simple, practical steps to simplify and streamline your holiday decor - so you can actually enjoy the season without feeling buried in clutter. Before you head to Target or HomeGoods, press pause! We're shopping your home first. Learn how to focus on what matters most, decorate intentionally, and create peaceful, clutter-free spaces for your favorite holiday traditions. Resources Mentioned: MindMeister for mind mapping Related Episodes: Episode 27: What Does Your Home Say About You? The Secret to Decorating Intentionally with Dani Watson from fig & farm at home Episode 197: Simple Ways to Elevate Your Home's Look (Without Another HomeGoods Trip) - with Dani Watson from fig + farm at home Episode 77: 5 Permission Slips to Allow You To Enjoy This Holiday Season *** I help moms declutter their homes, heads, and hearts. Contact - > info@simplebyemmy.com  Podcast -＞ https://www.simplebyemmy.com/podcast Learn -＞ https://www.simplebyemmy.com/resources Connect -＞ Join our free Facebook group Decluttering Tips and Support for Overwhelmed Moms Instagram -＞ @simplebyemmy and @momsovercomingoverwhelm   *** Don't Know Where to Start? *** 5 Steps to Overcome Overwhelm -＞ https://simplebyemmy.com/5steps/ 5 Mindset Shifts for Decluttering -＞ https://simplebyemmy.com/mindset/   Wanna work with me to kick overwhelm to the curb, mama? There are three options for you! Step 1: Join a supportive community of moms plus decluttering challenges to keep you on track at the free Facebook group Decluttering Tips and Support for Overwhelmed Moms Step 2: Sign up for the weekly Decluttering Tips and Resources Newsletter and see samples here: https://pages.simplebyemmy.com/profile Step 3: Get more personalized support with in-person decluttering and organization coaching (metro DC area only): https://simplebyemmy.com/workwithme/

Join my 90-Day Profitability Roadmap for Yoga Teachers webinar–so you create income without confusion and burnout: https://www.brettlarkin.com/live-90day/ How do you run a thriving yoga business and stay energetically aligned? In this episode, I talk with Uplifted 300-Hour graduate Meli De Los Santos—a spiritual business mentor and AI-savvy yogi—about how tools like AI and funnels can actually amplify your authenticity instead of replacing it. We explore how to bring chakra wisdom into your marketing, overcome tech resistance, and streamline your systems to stay focused on what really matters: connection, clarity, and growth. You'll learn:

Settle in for a peaceful night with the gentle soundscape of urban rain. This episode features 10 hours of continuous rain falling softly over a quiet city, designed to help you relax, sleep, or focus. The subtle echoes of droplets against distant sidewalks and roofs create a calming atmosphere, perfect for unwinding after a long day or masking distracting noises around you. Whether you use this immersive ambience for sleep, meditation, or background noise while working, let the soothing rhythm of rain in the city guide you to tranquility.Take a deep breath, close your eyes, and let the comforting sounds of urban rainfall create a peaceful retreat wherever you are.Join us again next time for more relaxing soundscapes to help you find calm and balance.=======DISCLAIMER

Do you ever forget which credit card to use for a purchase — or worry you're missing out on bonus points and statement credits? It's easy to lose track when every card has different categories, offers, and perks. This episode is part of our Streamline, Stack, and Save mini-series, where we're exploring tools and strategies that simplify how you earn and redeem your points and miles. I'm joined by Emmanuel Crouvisier, creator of CardPointers, an app that helps you track your cards, bonus categories, and offers so you never miss a chance to earn or save. Emmanuel built CardPointers in 2019 to help people get more value from their credit cards without the spreadsheets, post-it notes, or constant mental math. The app automatically identifies which card to use for every purchase, keeps track of Amex, Chase, Citi, and Capital One offers, and helps you make sure your credits don't expire before you can use them. We talk about what inspired Emmanuel to create the app, the features that make it powerful — like Autopilot, offer alerts, and Apple integration — and how privacy and security are built in at every step. Emmanuel also shares how CardPointers users save an average of $750 a year and why automation can improve both your points strategy and your relationships by eliminating financial friction. Whether you manage one card or twenty, this conversation will help you simplify your wallet, maximize your rewards, and make the points game easier to play. Get full show notes and transcript:  Want to shape the show? Click here to take the Point Me To First Class listener survey and share what you love and want more of! Eager to learn the secrets of award travel so that you can turn your expenses into unforgettable experiences? Join the Points Made Easy course waitlist here

On this week's episode of Limited Capital, Richard McGirr interviews Gannon Coffman. Gannon shares his path from brokerage and retail development to raising capital for syndications and leading investor relations at Streamline, emphasizing how systemized processes and consistent communication create long-term investor trust. He and Richard dive into the evolution from 506B to 506C offerings, referral strategies, and creative in-person networking tactics—from investor dinners to NFL Players Association sponsorships. Gannon also reveals how leveraging virtual assistants and building repeatable frameworks can help operators scale efficiently while maintaining a high-touch investor experience. Gannon CoffmanCurrent role: Director of Operations, Alakai CapitalBased in: Chandler, ArizonaSay hi to them at: LinkedIn | https://www.alakai-capital.com/ This is a limited time offer, so head over to aspenfunds.us/bestever to download the investor deck—or grab their quick-start guide if you're brand new to oil and gas investing. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Podcast production done by ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

 Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2025Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityMake sure you mention: CTISUMMER to get FREE data migration!If you're ready to make a real change in your shop's success, join Shop Marketing Pros' Plan With the Pros workshop this October to connect with them and other shop owners. You'll leave with your entire year for 2026 planned out. Click here to register: https://geni.us/PlanWithTheProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Tonnika Haynes, second-generation shop owner of Brown's Automotive in Chapel Hill. Tonnika shares the inspiring story of her family's legacy in the automotive industry, detailing her journey from growing up in her father's body shop to taking over the business and navigating the challenges of shop ownership. The conversation covers the importance of maintaining strong core values and community involvement, the lessons learned from previous generations, and Tonnika's commitment to supporting the next wave of automotive professionals.00:00 Untold Story of Inspiration06:28 Reflecting on Parental Work-Life Balance15:27 Realization: "I'm Owed Nothing"17:13 Gift of Parenthood Reflections25:29 "Shop Evolution and Inspiring Leadership"29:29 Buying a Corvette Dilemma37:09 "Concerns Over Industry Representation"42:26 "Dedicated and Punctual Workforce"47:58 Choosing Family Over Long Hours48:44 No "Kill Switch" for Illness58:30 Shop Closure Decision Explained59:37 "Car Service Delay Options"01:05:55 "Memories of Downtown Snack Shop"

Welcome to the Celestial Insights Podcast, the show that brings the stars down to Earth! Each week, astrologer, coach, and intuitive Celeste Brooks of Astrology by Celeste will be your guide. Her website is astrologybyceleste.com.  

Settle in for a full night of calm with a special 10-hour soundscape from "Thunderstorm: Sleep and Relax in the Rain." This extended mix blends gentle rain with soft ambient pads, crafted to help you drift off and stay asleep. No abrupt transitions—just a smooth, continuous bed of rainfall and warm, airy textures designed to quiet the mind, ease tension, and create a cozy atmosphere.Use this episode to:Fall asleep faster and reduce nighttime restlessnessMask background noise with soothing rainSupport deep focus during study or workCreate a peaceful environment for meditation or readingWhether you're curling up for the night or seeking a serene backdrop for a long stretch of concentration, press play and let the rain wash over you. Breathe, unwind, and enjoy uninterrupted tranquility till morning.=======DISCLAIMER

Episode SummaryI discuss my latest update to my weekly review and how to optimize checklists at every turn..Show Notes Pagejeffsanders.com/597a.Go Premium!Exclusive bonus episodes, 100% ad-free, full back catalog, and more!Free 7-Day Trial of 5 AM Miracle Premium.Perks from Our SponsorsAeropress → Check out Aeropress and use my code MIRACLE for a great deal.Learn More About The 5 AM MiracleThe 5 AM Miracle Podcast.Free Productivity Resources + Email Updates!Join The 5 AM Club!.The 5 AM Miracle BookAudiobook, Paperback, and Kindle.Connect on Social MediaLinkedIn • Facebook Group • Instagram.About Jeff SandersRead Jeff's Bio.Questions?Contact Jeff.© 5 AM Miracle Media, LLC.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Instagram just unveiled two features that could completely change how you engage with your content and your audience. On this episode, Emma unpacks the biggest social media shifts of October 2025, starting with Instagram's deceptively small pinned comments update, which has the potential to transform audience engagement and even drive conversions. She also breaks down Meta's push into AI-powered holiday ads, sharing why these tools can help streamline campaigns but still require a human touch to get the best results. Over on LinkedIn, fresh data reveals that posting frequency now plays a bigger role in reach than perfectly polished content – a shift that makes consistent visibility more achievable. And for the headline update? Instagram is testing a new Reels feature that could dramatically increase watch time and keep your brand front and center even when users multitask. As always, our monthly breakdown is here to help you turn these interesting advancements into powerful, actionable changes you can implement to stay ahead of the curve. Listen in as Emma explains: Creative ways to use pinned comments for context, engagement, and conversions Why you shouldn't stop running Meta ads on December 31st How LinkedIn frequency is now a bigger factor than post “perfection” And much, much more!   Connect with Ninety Five Media: Website   Instagram  Need Support with Your Podcast? We've got you covered  Book a Strategy Intensive Call with Emma for a custom marketing plan for your brand:   strategyintensivecall.co   Book a call to explore our social media management services for your business! ninetyfivemedia.co/book-a-call  Streamline your client experience and make your life easier with Ninety Five Media's favorite CRM, Dubsado! Get 20% off your first month or year with code: emma20  

In episode 112 of Going Forward, Eric Elliott is joined by Michael Scarpati, co-founder and CEO of RetireUS, to expose the hard truths behind financial planning today. From the myth of “set it and forget it” retirement accounts to the hidden toll of financial stress, he explains why doing nothing may be the most dangerous decision of all.Together, they unpack why 85% of financial professionals aren't required to act in your best interest, how trust in big-name institutions can leave families vulnerable, and why financial wellness is really a form of mental wellness. As Michael shares, financial stress doesn't stay in your bank account, it bleeds into your health, relationships, and leadership.Eric and Michael dive into how fintech is opening access for the 98%, how independent fiduciaries are reshaping trust, and why clarity with money is the key to leading with confidence in uncertain times. Whether you're early in your career, preparing for retirement, or leading a business through chaos, this conversation will give you the clarity to stop "crockpotting" your future and start planning it with intention.Connect w/ Eric Elliott:Website: https://ericelliott.com/⁠⁠⁠LinkedIn: https://www.linkedin.com/in/eric-elliott-45704745/Instagram: https://www.instagram.com/ericmelliott/Twitter: https://x.com/ericmelliottLinktree: https://linktr.ee/ericmelliottEmail: Eric@EricElliott.comText: 843-279-5843Connect w/ Michael Scarpati:Website: https://retire.us/LinkedIn: https://www.linkedin.com/in/michael-a-scarpati/Instagram: https://www.instagram.com/retire.usSupercharge your online advertising campaigns with Optmyzr!Streamline management, optimize performance, and boost your ROI. Visit ⁠⁠⁠⁠https://hs.optmyzr.com/hs/vip⁠⁠⁠⁠ to discover how Optmyzr can revolutionize your digital marketing.Also, as a special treat for our listeners, sign up with the code GOINGFORWARD20 and enjoy an exclusive 20% discount on your first year with Trainual! Seize this opportunity to supercharge your operations and propel your business forward!Eric Elliott is a self-made entrepreneur and marketing expert with extensive experience crafting impactful brand narratives for clients across industries. He is the founder of VIP Marketing and Craft Creative. In 2009, Mr. Elliott started VIP Marketing with almost no resources. VIP now has a global team and is recognized as one of the top branding agencies in the USA by Clutch.co. He founded Craft Creative in 2015, a full-service video production company providing premium services to clients across the US. Eric is also the host of Going Forward, a podcast moving conversations with entrepreneurs and leaders that inspire, motivate, and challenge you to embrace possibility and make a difference. Mr. Elliott is the author of numerous articles and an active contributor to Entrepreneur Magazine, Forbes, and Medium. Recognized as a pillar of his community, the city of North Charleston established Eric Elliott Day to honor his name and legacy to inspire others.Going Forward is brought to you by ⁠VIP Marketing⁠.VIP Marketing is a law firm marketing agency based in Charleston, SC. Our mission is to partner with our clients to make them the choice in their market, not just a choice. We're focused on helping them thrive in the digital age by providing a comprehensive suite of services specifically tailored to their needs including: digital marketing services such as SEO and PPC; brand strategy and identity design; website design and development; and premium video production. At VIP Marketing, we elevate the marketing presence of law firms, helping them stand out in competitive markets.

Feeling like you're never going to get resources to support your legal function? Kathy Zhu has been there. Facing an endless demand for her time and limited resources to meet the business need at DoorDash, Kathy as head of Commercial Contracting, built relationships with her key customers and a process to help her team manage and communicate priorities within the company. She was so successful in showing her team's value (and their resource needs), her clients actually donated their own headcount to the legal department so she could serve them better. Seeing the value of process, tools and relationships, Kathy and her co-founder built a tool (Streamline AI) to help in-house legal departments manage their workload and generate metrics to make the case for more resources. In this episode, Kathy shares how she managed "the bottomless pit of need" using Google forms as a bush fix before Streamline AI was born. She shares:Why transparency and vulnerability are a superpower for building relationships with your key clientsHow using metrics can help you "speak CFO" and tell the story of your legal departmentWhy understanding the stage of the company and what's needed can help lawyers deliver better services

 Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2025Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityMake sure you mention: CTISUMMER to get FREE data migration!If you're ready to make a real change in your shop's success, join Shop Marketing Pros' Plan With the Pros workshop this October to connect with them and other shop owners. You'll leave with your entire year for 2026 planned out. Click here to register: https://geni.us/PlanWithTheProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Cecil Bullard, who shares his recent experience recovering from major brain surgery and how it's influenced his perspective on business and leadership. Cecil emphasizes the importance of foundational principles and clear communication in running a successful auto repair shop. The conversation also explores the challenges of pricing, profitability, and the need for a unified, professional standard in the automotive industry.00:00 Delayed Pituitary Surgery Journey08:32 Trash Disposal Frustration13:44 Organized Shops Boost Customer Comfort20:13 Small Shop Owners' Time Dilemma23:27 Turning Struggles Into Opportunities28:23 "Maximizing Profit on Tie Wraps"35:41 Veteran Diagnostic Tech Dilemma41:50 Discount Strategy Debate in Auto Shop44:07 "Technicians Undervalued; Raise Rates"48:43 Self-Regulate Industry Standards56:17 Orthodontist Organizes Continuing Education Show59:59 Airplane Oil Cap Mishap01:06:00 "Motivation Beyond Money"01:10:06 Investing in Legacy Over Luxury01:16:57 "Overwhelming Support Before Surgery"01:20:18 "Industry's Bright Future Ahead"