Podcasts about tackling

Mon, 29 Jun 2026 21:00:00 GMT http://relay.fm/upgrade/626 http://relay.fm/upgrade/626 Unprecedented Weirdness 626 Jason Snell and Myke Hurley Apple raised prices! Is this a shocking move, or were Apple products just sneakily affordable before? (And can it be both?) We also parse Mark Gurman's reports on Apple skipping over may M6 chips to go directly to M7. Apple raised prices! Is this a shocking move, or were Apple products just sneakily affordable before? (And can it be both?) We also parse Mark Gurman's reports on Apple skipping over may M6 chips to go directly to M7. clean 5243 Apple raised prices! Is this a shocking move, or were Apple products just sneakily affordable before? (And can it be both?) We also parse Mark Gurman's reports on Apple skipping over may M6 chips to go directly to M7. This episode of Upgrade is sponsored by: Keeper: Get 60% off personal and family plans. Sentry: Mobile crash reporting and app monitoring. New users get $100 in Sentry credits with code upgrade26. Claude: For problems worth solving — get started with Claude today. Links and Show Notes: Get Upgrade+. More content, no ads. Check out Upgrade merch! Submit Feedback Designed in California – Kickstarter Campaign Everything New in iOS 27 Beta 2 - MacRumors Thaw – MacMenuBar.com Thaw and macOS 27 (Golden Gate) support Apple announces significant price increases for MacBooks, iPads, more - 9to5Mac Apple Has Increased Prices Across Mac and iPad Models - 512 Pixels Daring Fireball: Apple's Full Statement on Yesterday's Price Increases Why is Apple asking me to pay more for Big Tech's AI obsession? | The Verge Apple asks Trump admin to approve Chinese RAM after product price increases - 9to5Mac Daring Fireball: Apple Faced Bipartisan Opposition When It Last Lobbied to Buy Chinese RAM in 2022 Apple to Skip High-End M6 Mac Chips, to Launch M7 Pro, M7 Max, M7 Ultra Instead - Bloomberg Apple's Touchscreen MacBook to Use M5 Pro, Max Chips; M7 Pro, Max Models in 2027 - Bloomberg Report: Apple changes chip and OLED MacBook Pro release plans – Six Colors iPhone Ultra 3D-printed hinge problems reportedly solved – 9to5mac Apple Approves Production of OLED Panels for Foldable iPhone - MacRumors Rogue Amoeba - Free The Icons Apple should free the macOS icons from squircle jail – Six Colors “Icons that are iconic” – Unsung Consistency, But in Excellence Not Appearance - Jim Nielsen's Blog TestFlight build 1161: Tackling

The Spread Zone is back with a loaded mid-summer betting board. Tim McKernan, Anthony Stalter, and Riz break down their picks at the Travelers Championship plays at TPC River Highlands, including first-round score angles, top-five and top-20 looks, and outright winner discussion.Then the guys dive into the World Cup market before the U.S. closes out the group stage against Turkey. Also diving into tournament futures, Tim's live-betting strategy, and how to attack totals as the group stage tightens up. Plus, Anthony takes a look at the NFL offseason futures board, from division winners, steals, and win totals to MVP, Super Bowl value, and player props.The Spread Zone is presented by FanDuel Sportsbook!The Spread ZoneLEGAL DISCLAIMERWe provide information about sports betting for entertainment purposes only. Please confirm gambling regulations in your state of residence. To participate in sports gaming, you must be 21 years of age or older and be physically present in a state where sports betting is legal. If you or someone you know has a sports betting or gambling problem, please call 1-800-GAMBLER or visit www.ncpgambling.org for more information and further assistance.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Callers tell Howie their suggestions for the song or sounder for DEI clips and stories. Then, Small Business Administrator Kelly Loeffler joins Howie to discuss fraud and more!  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

The Spread Zone is back with a loaded mid-summer betting board. Tim McKernan, Anthony Stalter, and Scott Rizzuto break down their picks at the Travelers Championship plays at TPC River Highlands, including first-round score angles, top-five and top-20 looks, and outright winner discussion.Then the guys dive into the World Cup market before the U.S. closes out the group stage against Turkey. Also diving into tournament futures, Tim's live-betting strategy, and how to attack totals as the group stage tightens up. Plus, Anthony takes a look at the NFL offseason futures board, from division winners, steals, and win totals to MVP, Super Bowl value, and player props.The Spread Zone is presented by FanDuel Sportsbook!The Spread ZoneLEGAL DISCLAIMERWe provide information about sports betting for entertainment purposes only. Please confirm gambling regulations in your state of residence. To participate in sports gaming, you must be 21 years of age or older and be physically present in a state where sports betting is legal. If you or someone you know has a sports betting or gambling problem, please call 1-800-GAMBLER or visit www.ncpgambling.org for more information and further assistance.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tiff and Dana address one of the most popular topics for Dental A-Team consultants: overhead! They talk about what it entails, where to start when looking to reduce it, critical questions to ask yourself about needs versus wants, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiff (00:00) Hello, Dental A Team listeners. Thank you for being here with us today. Thank you for listening. We say this every time, but we love what we do and we love bringing you so much valuable information. And the fact that Kiera can do all the podcasts she does blows my mind. ⁓ but she is a busy bee over there, and the fact that we get to do these as well is just really, really fun for us. It allows all of the consultants here on our team to really feel like we're giving back to you guys. So with that, I have Dana here with me today, and   Dana, gosh, we have been podcasting together for a really long time. I can't even put a number to it. And I remember, I don't know if you remember, but I remember I remember where I was sitting. I remember the thought process. And I remember it was me, you and Britt on a call on a Zoom link. And it was the first time marketing had said we want to do video with the podcast. And I was like, what? And video like was not, it was just like up and coming.   I didn't understand it. It was on Instagram. I was watching I was like, why am I watching you talk? Like the a podcast is to listen. Why am I watching you talk? And now I mean it's very normal and that's how I watch them. And I feel like I feel like it was like YouTube came back around, you know. But anyways, I remember that day vividly. ⁓ I don't remember what we were talking about, but I remember being like, I have to like do my hair. I'm gonna be seen.   DAT-Dana (01:23) Yeah. Yeah. I know it was   funny because we always could see each other, right, in those early days, but it was just like we weren't creating the video content for it. And I remember thinking exactly like who's gonna want to watch   Tiff (01:33) Yes.   DAT-Dana (01:35) us who's gonna want to watch us do this thing but then I see my kids literally like watching people play Minecraft and it's like their favorite thing and I'm like wouldn't it be more fun to actually go play? So I do feel like there is definitely this like niche of people like wanting to watch and like you know get a glimpse in of like the podcast world and just different worlds in general and so I agree with you. I remember the three of us just kind of being like who's gonna want to watch us talk to each other but hey we're so glad you're here.   Tiff (01:37) Yeah.   Yes.   It's true.   Yeah.   DAT-Dana (02:05) Yeah.   Tiff (02:06) Yes, I agree. And the three fur podcasts are hard. So hard when there's so many people virtually. And yeah, I r I remember the shock. I wish I could remember what the ⁓ podcast actually it was probably I bet you it was probably one that we did for Kiera. We probably it bosses day or something, yeah, 'cause if there are multiple of us. Anyways, that was that popped into my head this morning as I I always have to now have like prep for podcast time so I can like   DAT-Dana (02:12) Yeah.   Like Boss's Day or something like that. Yeah.   Tiff (02:35) just tame my hair or get my ring light just right. And I'm like, gosh, I remember the days that we did not have to do this. And then we have c new to Dental A Team consultants come on and I'm like, we're gonna podcast. And they're like stressed and I'm like, I get it. I just I get it. I saw them go talk yourself in the mirror for a bit first. You'll get used to it.   DAT-Dana (02:50) Yeah. Yeah.   I know   I remember in the early days I would always have to reframe my podcast because I'd see podcasting on my schedule and I'm like, ⁓ like I gotta get on. So then I just started reframing it. It was like time with Tiff, time with Britt, time with Kiera. And it's how I like kind of learn get over the like of the podcasting space. So I totally feel it when new consultants are like, I have my first podcast today.   Tiff (03:12) I love that.   Yeah,   yeah, and they all come to you, right? 'Cause I'll all schedule it and then they're like, Dana, what do I do? That's so cute. Yeah. I love the reframe. That actually like goes I think hand in hand with what we're talking about today. ⁓ but I think you can do that with anything and I have to remind myself, even like gosh, when I get up in the morning, I got up this morning and I went from for my walk and I was like, ⁓ this sucks and I was like, No, you get to be in the morning sun.   You get to move your body before anybody else in the house is awake. Like I think that's the part that's the hardest is like everybody else gets to sleep, you know? But you that reframe is so powerful. And we can look at a schedule and think I I look at my schedule and I'm like, shoot. This is so busy. Or gosh, I'm I'm like   So long today, and I have to reframe it often and be like, gosh, no, actually I get to do something really cool. And I get to wake up and go for a walk and I get to do these things or I get to go to an office and I get to be boots on the ground with other people. So I love that you mentioned that reframe, Dana. That was really smart. So today's reframe, which I love, I think this is one of the most popular conversations that we have. We get a couple of things here at Dental A Team. ⁓   We love everything that we get, but the most common, most popular things are systems, which we will help you with systems, I promise you. And there are thousands of podcasts I think that just Dana and I have done on systems and operations manual. So go look them up. We're not doing that today. And the second, which I actually really have grown to truly love, ⁓ is overhead cost reduction and and overhead analysis. And so many practice owners and leaders come to us and they're like, gosh.   what does overhead even mean? I know I had a conversation with a client last week that has been in the dental like consulting world for years and years and years. And w his question was what does that even what does it mean? Like overhead can mean so many different things to so many different people and so many different consulting companies. And for the sake of today's conversation and the sake of forever with Dental A Team know that when we say overhead, we are talking about top of the line   Whatever I always say if someone were to purchase your practice, what are the expenses they'd be taking over? Anything outside of that, your pay, your taxes, your debt, your debt will follow you typically, right? You can lump it into the loan, ⁓ but it's not overhead top of the line expense. So your debt, meaning your scanners, ⁓ your school debt, anything like that is outside of quote unquote overhead. So when we talk about overhead, it's top of the line and that had to that that   explanation, I think it can just vary. It can vary depending on who you're talking to. So today we wanted to reframe that, Dana Go. No, I love it.   DAT-Dana (06:08) and I don't want to interrupt you, but I think too just   just to be clear on overhead too, anything that you run through the business, right? Again, that's not something absolutely with your CPA, you structure it how you want. But understand that that's not an expense that somebody is going to take on when they take over the bracket.   Tiff (06:25) Yes, I love that. Thank you. Good clarification. so with this kind of reframe, every everybody's like reduce overhead, reduce overhead. And I totally agree. And a lot of a lot of companies, a lot of people, ⁓ a lot of strategists will come in and they're like, okay, what can we cut? And we for sure, like, we'll come in and look at what if there's space to make cuts, but our biggest piece is always we're not gonna spend a lot of time on it today because we've got a million other podcasts about it.   I think I just did one actually with Kristy not that long ago, but the first place we're gonna look is your collections. A lot of people will say, I need to over I need to produce. And I love the statement, you can't outproduce your problems. So if you're producing, producing, producing, producing, but you're still feeling like there's an issue. And if you're meeting the financial, like you're meeting your goal, your production goal, but you're still cash flow short, then there's an issue in your collections. And so look at your collections and Dana.   I would love to hear quick snippet, what are the areas that you tackle when it comes to overhead and it comes to collections? And then I want to talk about the reframes and the other pieces.   DAT-Dana (07:33) Yeah, so you're exactly right. The first thing I'm gonna look at is the collections number. I'll look at the total, like what is the total percentage and like what profit point do we need to get to when it comes to collections? And then the very next thing I'm gonna look at is your AR because honestly and truly I've been able to get practices out of cash flow crisis, out of really feeling that pinch simply by going after already produced   ⁓ monies. And so I think that those are usually the things that I look at. Okay, what are we collecting? What does our profit point need to be for healthy AR?   Right. And and obviously we're gonna talk about is that possible? How do we get your schedule to get you there? But then the very next thing I'm gonna look at is AR. Is there money that I can just quickly tackle that's already been produced that's gonna help the collections problem? So I'm looking at the total collections, collections percentage, and then what's sitting in AR, because if I can tackle that and make a really quick difference, ⁓ sure, we can budget things, we can line item your PL, we can we can chop where we need to, but those things are often the fastest, easiest, quickest fixes.   and like you said, you like outproducing the problem. If I can fix AR and then we can create systems that it doesn't happen again, oftentimes we don't even have to really touch production, right? Because we're already producing pretty well in a lot of these cases. So those are that's kind of where I start.   Tiff (08:46) Yeah.   Yeah, I love that. And it's something that makes such a massive difference. Knowing one, knowing your numbers, knowing what your numbers mean. So knowing your overhead, knowing your outgoing expenses is massive. And then looking to see, okay, well, if these are my outgoing expenses, what do I need to collect in order to profit? Right. And then if we're not collecting that, is it because production isn't where it needs to be? So what's our what's our bare minimum?   And is collections meeting that or is production meeting that so that collections can meet our bare minimum. If production is or is way above and our collections is just tanked, like I saw somebody the other day that was like 83% collections. They're like, we gotta produce more. And I Yeah, absolutely. If we want to maintain 83% collections and get your overhead in line, you for sure have to produce more. But also we can tackle your collections and get your collections up to that ninety-eight percent that it should be or above, and really not have to work   you harder as the provider work our numbers harder and get that collections up. It also kind of flows into Dana, I think the capacity that we just recorded a podcast. So probably the podcast ahead of this one I would assume is is about capacity. And I think that capacity conversation flows into this one really, really well. So all right, collections.   Go do it. We will harp on that for days, but go do it. If you need help with it, you're not sure, you don't know how to analyze it, you need help with your numbers, Hello@TheDentalATeam.com. We are honestly and truly here to help you. We will provide you as much information as we possibly can to get you on the right track. Now, something else that we like to do within that, and we talked about this on capacity, we talked about analyzing ⁓ fee schedules, right? But then we also need to analyze expenses. So when we're really looking at things and we're saying, okay.   Great, this is my overhead. I like to think, okay, does it have to be my overhead though? So a lot of people will look at staff cost, the employee cost. I actually I look at it, I kind of glaze that, you guys. I don't, I don't like to touch the staff cost unless it absolutely is extraordinary and there's maybe team members that are taking advantage or you're feeling like there's something culturally wrong in your practice, then I'm gonna say, okay, great.   Let's really take a look at this and make sure that we're being efficient with our time. We're not in overtime. We're not in those spaces. But I'm gonna kind of glaze at that unless there's a red flag somewhere else. And then I'm gonna look at those other expenses as well. And something that I really love to do is to analyze what do we need versus what we have. It reminds me of when Brody was little, we'd go to the store and he'd be like, Mom, is this a want or a need? Is it on your list? Is you have are you getting it because you just want it and it sounds exciting?   Or do we actually need this? And Dana, I love the conversation that you have around. I'm gonna say like analyze your vendors, analyze your contracts with vendors, but I love the conversation around ⁓ the wants versus needs when it comes to scanners, when it comes to mills. And I love I I miss the conversation actually. I miss the conversation of negotiate with your labs. And I miss that conversation because   I think that the mill has become such a bandwagon thing. It's been around for so long and it's such a bandwagon thing that everybody's that jumped into. But I love your your like evaluation of is it necessary? Is it actually going to save us the time and the money and get us the results that we want? And I would love, Dana, for you to talk through some of that and how you help your clients decide. Because I'm not against the mill, I'm not for it. I'm for it for the practices that it works.   And I'm for making sure that it's going to work and it's gonna do its due diligence. So what how is that conversation for you, Dana, when you talk to your practices about it   DAT-Dana (12:44) Yes. I love this conversation too, too. I   think first and foremost, I always want to know when when somebody wants to purchase something big like that. So whether it's a new scanner or whether it's a mill, like why.   Why do we want to purchase it? Is it because we have a scanner that we constantly use and we're constantly pulling and we never have it in the like appointment times that we need? So then we need to talk about adding another scanner. Is it that like we need another tool to show patients, but like could we just do IOPs a little bit more until we've got the budget set for the scanner? I'm not saying no to scanners. I'm not saying no to mills. I'm just saying, why do we want it? Is it the right time and is it going to do what you anticipate it's going to do as far as your budget goes?   Because I think we can talk about scanners and what's going to add so much more to my production. Okay, well, it is, but when are we going to use it? How often are we going to use it? Who's going to use it? How are we mapping it out to make sure that it really is putting more production on your schedule and it really is reducing your lab fees? Right. Scanner is a great tool for negotiating with a lab, but are you going to do that? Are you going to do the negotiations? Are you going to send them enough work to make it worth having the scanner?   Same thing with the mill. I'm always asking like why, right? And I know that kind of the mill is the hot spot or the mill is like the next big thing. And I think sometimes, you know, I hear a lot from doctors, well, it's gonna buy me back a lot of time. Well, it's only gonna buy you back time if you're going to let your assistant, right, help design and do the actual milling. If you're not gonna let that happen, then we're actually using more of your time than and sometimes it's not will you let them, it's do you have the capacity within your assistant team right now to be able to allow them.   Tiff (14:07) Yeah.   Mm-hmm.   DAT-Dana (14:21) to do those things because maybe we're short staffed in that area or maybe assistants are really hard to find. Well then maybe now's not the time to bring on the mill because it's actually going to use more of your time versus less of your time. And then you know all of these purchases typically come with either a large payout, right? Or a decent size loan that we're paying every single month. And so I like to kind of reverse engineer with my practices so they know cold hard facts how many crowns they have to do every single month.   to make that loan payment worth it or make that payout out of their emergency fund or their growth fund or wherever they're pulling that funds from. Hopefully not their emergency funds, but sometimes right, doctors get wild on us and it feels like an emergency to get that.   Mill. So knowing exactly how many crowns you have to do every single month. And then I'm saying, okay, let's go back through the last year. Let's see, did we even do as many? Because if we didn't do as many, then now's not the time. Let's get to that many crowns every single month, then take a look at the mill. Because so often we think, hey, the mill is going to save me on lab fees, but you have to do so many of them for it to save you on lab fees. And again, I'm not pro mill. I'm not like I'm neutral when it comes to mill. I think it's a great tool, but it's not the best tool for every   Tiff (15:25) Yeah.   Mm-hmm.   DAT-Dana (15:35) practice at that exact time. I think you really have to look   At and crunch things when you decide to make those purchases and really look at it as is it truly going to give your time back? Is it truly going to give you your lab fees back? Is it truly going to up your patient experience or up your diagnosis or whatever it is? Because that is when it makes it worth it. So I just like to like have the conversation, review the numbers together, and kind of say, hey, like this is the reality of the purchase. I, you know, I am.   Totally understand the like purchase in the feels, right? I get that. I've done it. I'm human. I think we've all been like, but this is gonna feel so good when I have it. But I think look at the numbers and make sure because these things can really hit your these these debt services can really hit your profit points if it's not set up correctly and you don't know kind of the benchmarks you have to hit to make it help with profit versus hurt.   Tiff (16:11) Yeah.   Yeah.   Absolutely. I think it's so beautiful. And a follow-up to that too is if you already have the mill, you already have the scanner, you already made the purchase or the laser, Dana, as you were talking, I was like, the lasers, the lasers. There's so many there's just so many really cool tools that dentistry has that makes us feel like we've got to jump on it to be the most progressive, to be the most exciting, to stay up with the times, to to not fall behind. And really they're just fun and exciting. It's like   ⁓ Canva and you know we only had Photoshop and then Canva came out and then we had, you know, all of these different opportunities. And it it can be easy to jump on board with them. So if we already have jumped on board, we didn't have this conversation, or maybe we did, and then gosh, we're just falling a little bit short. This is the overhead analysis as well. This all flows into that overhead analysis. So as you're looking at your overhead and you see those   those loans under on you have your bottom you have your top line and you have a bottom line. And at your bottom line, when you see those other loans in there and you're like, gosh, Def, Dana, I just I'm not using the scanner as much as I thought I did. I know both of us have I all of our consultants are really, really fantastic at having conversations like this that say, okay, great, why? Dana, you said something earlier, you said it asking more questions, right? Like I want to know, I want to know why you want it.   what it's gonna do for your practice and then reverse engineer it. And we are really great at pulling out the why for anything. So if you're not, if you bought it and you're not using it, we're gonna say, well, why aren't we using it? Is it because it's not the tool that we needed or we wanted and or we don't have the patient base for it or is it because we're not trained, we're not holding accountabilities. And ultimately, if this thing isn't working for your practice, it's not doing what you wanted it to or gosh, you just hate it. You don't like it. You don't want to use it.   This is a conversation with the company that you can have. You can call the company and say, Hey, what can I do? How can I how can I get out of this? I've had ⁓ I've had doctors that have had this conversation with them and they do have like a smaller buyout, right? They're like, Well, we'll buy it back from you, but you're gonna it's kind of like taking a car in and you you're you know, you're under.   So you you owe a little bit more on your car and then you owe on the car that you're buying. So it kind of sucks because you do have to pay that out, but could getting out of that contract early, sending the equipment back, save you in the long run because you haven't paid that total balance. Or a lot of doctors will call and they're like, yeah, absolutely. I have a doctor actually who's looking for one that might buy it from you.   And so you can you can sell this equipment as well if it's not working for you. So I don't ever want doctors to really just feel so stuck in the decisions that either they've made or that they want to make and you have that kind of decision paralysis. So as we're going through that looking at ⁓ cost control and overhead control.   Part of the conversation as well. So there's the projecting side and really looking at do I do I need this? What can it do? And then there's the evaluation side of is this working for me? And Dana, I think that same conversation when it comes to like marketing. Are is my marketing ROI coming in? Is it getting me what I what I thought it was going to? There's magazines investments, there's all of these like hottie-totty ⁓ marketing efforts that are coming around right now. They're trying to like really reinvent a lot of wheels.   And projecting and seeing, does this fit my avatar? Is this gonna work? Gosh, your telephone company, I know our like cable and internet. We don't even have cable, but it's the same company, right? And I'm like, why are we paying for cable and internet? And it just jumped like $90. And I'm like, what the heck? It's a call and a conversation with your vendors and looking at, okay, am I getting the most value for what I'm spending? And that I think Dana helps us to calm the storm.   Because what happens typically is we're like, okay, I gotta produce more in order to afford my life. And it's just like personal, right? I gotta work more in order to afford the lifestyle that I want. Well, maybe the lifestyle that you want can be had with less debt or less stuff, you know, and really evaluating your quote unquote lifestyle in the practice and out.   DAT-Dana (20:43) Yeah, I agree with you because like dental offices, do we have to spend money? Do we have expenses? Yes, absolutely. Let's make sure those expenses are doing what we need them to do and and we have an ROI on those expenses. And I do feel like just doctors highlighting like, don't forget those bottom of the line things because oftentimes it's like, hey, my payroll's in line, my rent's in line, my marketing is in line, everything's in line, but I don't have any profit at the end of the month. And I think don't forget to take a look at oftentimes I think there's an impression of doctors that like those below the   aligned things are like fixed expenses and oftentimes they are variable expenses that we can do something about it. We can make changes like you said, sell it or start using it, right? Or incorporating a way for it to help us produce or collect more. I think just don't forget those bottom of the line things and don't look at them as hey, those are fixed things, right? A lot of times those items aren't. We can either move the needle as far as using them or move the needle as far as offloading them.   Tiff (21:15) Uh-huh.   Yes.   DAT-Dana (21:42) Right. I just had a conversation with the practice. Like, why do we have two scanners? Right. Like, why do we need them? Walk me through it. If if you can walk me through why and it makes sense, totally keep your scanners, utilize them, have it help you. Right. But if we don't need them, then let's not have that sit there every month and pull from that profit that you so desperately need.   Tiff (21:45) Mm-hmm.   Yeah, I love that conversation and I think it's something that's a piece of value that the consulting team brings to our clients that I think is totally undervalued. I know I have clients that are like, Teff, I wanna buy this thing. And I'm like, Okay, cool. Like, tell me why. How are we gonna afford it? Great. I have a doctor that was like, I like this scanner better, but I bought this scanner before I knew that this scanner was better. And I was like, Awesome. Well it sounds you want that scanner. He's like, Yeah, I'm gonna get it. And I said, Cool, what are you gonna do with that scanner that you don't like?   Because that one is still being paid on. It's still in your office. And he's like, okay. So it's like we have this innate ability, right, to see things very, very cleanly. I had a conversation just last week with a client that was like, Tiff, what do I do? And it was like a personnel thing, right? I said, Listen, my job and the and the superpower that I have for you is to be very black and white in business. I'm not emotionally attached to what's going on in the practice. I I love you, I love the practice, I love the team.   And I I have emotions towards you, but I'm able to separate it out and say, hey, do this, don't do this, or these are the black and white opinions that I see. These are the pros and the cons that I can see. I'm not emotionally attached to one scanner is better than the other. I'm emotional, I'm not emotionally attached to the money that's coming in or going out. I am neutral and I'm able to say it is or it isn't. And so that value, that ROI is not always really easy to see.   in the numbers until you look backwards and say, gosh, actually I sold that scanner because of or I didn't buy that and gosh, I'm so happy. Or I was able to invest in my team because I could see my shortcomings or my accountability faults or the accountability that Dana was able to give me so that I could give my team like those spaces are just so   valuable in this overhead analysis is huge. And I know you and I do it often. I know the rest of the consulting team does. Gosh, Kristy, Kiera likes to say she's like a truffle hunting ⁓ little, you know, little piggy out there finding the dollars. And that's how she does it as well. And Nikki and Pam and all of you know, Diana, every one of us are out there looking for those dollars from that black and white kind of business mindset because it's easier for us as a pulled out   Peace, right? And Dana, I just think that is a space that doctors, I can't imagine making those kinds of decisions by myself, right? Even just as simple as purchasing a mill. Like because it's so it's like walk walking into Louis Vuitton with a credit card with no limits and expecting me to not leave with a purse, right? Because in my head it's paid for, it's done, it's it's good.   But then on the flip side, I've got expenses and other things and they've always got just gotta have that person who can be that sound mind.   DAT-Dana (24:58) Yeah. Yep. I agree with you.   Tiff (25:00) All right, Dana, so overhead cost analysis. ⁓ I would say, and I think Dana, add anything you can think of. My pro thought process is figure out your bottom line first of all. Figure out what are your costs, your fixed costs that aren't changing. If someone were to purchase your practice, then then look at what's left over. How much debt do you have? what do you want to be making? Are you paying yourself and are you paying yourself what you want to be making?   And are you saving money? So what do those buckets look like? That to me is your is your bare minimum. You have your bare minimum of this is what it takes to keep my practice open and my employees paid. And then you have your bare minimum of this is what I want my practice to look like. So I like to add that fluff in there. I know Dana does as well. We have our bare minimum and then we have our bare minimum. And our our second bare minimum is the number that I work from ⁓ and tack on a little bit extra. So overhead analysis, look at what your numbers are, look at what your   DAT-Dana (25:46) How many? Yeah.   Tiff (25:55) Collecting, always look at collections and then look at what your debt looks like and look at what your spending is. Is there anywhere in there that can be negotiated? Is there anywhere in there that maybe we need to start using a tool a little bit more to get it paid, paying for itself? Just like you want your team to pay for themselves, you want your equipment to pay for themselves as well. Dana, is there anything you can think of that I missed that I didn't add in there as an action item that they can scurry on home to do?   DAT-Dana (26:24) No, I think I think that those are great tools for them to really be able to slice and dice and look at those pieces.   Tiff (26:31) Awesome. All right, guys, go do the thing. Pull up your PLs, pull up month by month, pull up year to date, pull up last year's, and look at what your expenses truly are. And when you get to the point that you want some third-party perspective, some eyes on it, if you're a current client, you should be doing this with your consultant too. So do it. I want you to know how to do it and I want you to do it with your consultant as well. If you're not yet a consultant, you're ⁓ someone who is a listener and you want you're not a consultant, you're not a client.   You're a listener and you want help with this, please reach out. Hello@TheDentalATeam.com There's also a link on our website, TheDentalATeam.com, that you can schedule a consult with us and they'll help you run through a lot of that information as well. We are here to help. So let us know how we can best serve you and how we can help you in the short and the long run. Hello@TheDentalATeam.com. All right, guys, and we will catch you next time. Thanks so much.  

In episode 307 of Beyond The Story, Sebastian Rusk interviews Dane Palarino, Founder of Dad Bod Sculptors, as he shares hard-won lessons on implementation, accountability, and not just reaching, but sustaining success. He lifts the curtain on the Dadbod Sculptors system, which boasts a remarkable 97% re-enrollment rate—evidence of real, lasting results. Tune in for strategies you can use to build a better business, body, and life—starting right where you are. TIMESTAMPS[00:01:13] Dane Palarino's career evolution, business scaling, and personal transformation[00:05:29] Turning crisis into systems for sustainable change[00:08:46] The year-long Dadbod Sculptors program and principles of long-term growth[00:10:30] Tackling vices, alcohol, and creating new standards[00:17:08] The impact of congruence, relationship growth, and leading by exampleQUOTES"I traded my health and my happiness in exchange for this financial success that I had achieved." – Dane Palarino"You need to surround yourself with other brothers who are doing the hard thing and embracing that." – Dane Palarino==========================Need help launching your podcast?Schedule a Free Podcast Strategy Call TODAY!PodcastLaunchLabNow.com==========================SOCIAL MEDIA LINKSInstagram: https://www.instagram.com/podcastlaunchlab/Facebook: Facebook.com/sruskLinkedIn: LinkedIn.com/in/sebastianrusk/YouTube: Youtube.com/@PodcastLaunchLabDane PalarinoInstagram: https://www.instagram.com/dadbod_sculptors/?hl=en LinkedIn: https://www.linkedin.com/in/the-dadbod-sculptor/ YouTube: https://www.youtube.com/channel/UCimpE3_-KBQ6W6oc2mGyvIQ ==========================Take the quiz now! https://podcastquiz.online/==========================Need Money For Your Business? Our Friends at Closer Capital can help! Click here for more info: PodcastsSUCK.com/money==========================PAYING RENT? Earn airline miles when you use the Bilt Rewards MastercardAPPLY HERE: https://bilt.page/r/2H93-5474 

In this fascinating interview, Sergiy Nesterenko details the journey that ultimately drove him to solve a critical bottleneck in hardware engineering: the manual, slow process of printed circuit board (PCB) layout. In his discussion with our Moore's Lobby host, Daniel Bogdanoff, Sergiy shares engaging anecdotes from his early career, including a SpaceX internship where he was assigned to literally watch paint dry. He also describes his first attempt at PCB layout at SpaceX, where a power switch board caught fire in his hands. This experience fueled his desire to bring robust automation to the PCB design field. Sergiy explains why traditional auto-routers have failed to gain widespread adoption for sixty years. He then explains how Quilter solves this by leveraging reinforcement learning and computational physics. They discuss several major technical insights and future directions, including: -The software compiler analogy.  -Physics-based automation. -Tackling complex boards.  -His 10-year vision.  

This episode was livestreamed on June 22, 2026.Business, the economy, and you—read Dr. Cotto's Digest for the story of your life: ⁠https://x.com/JosephFordCotto/status/2068810995238105187⁠Full access to Dr. Cotto's Digest is only $3.00/month. Subscribe to this account for the plain truth about business and economic news that shapes your life: ⁠⁠⁠https://x.com/JosephFordCotto/creator-subscriptions/subscribe⁠

U.S. Senator Raphael Warnock (D GA), senior pastor of the Ebenezer Baptist Church in Atlanta and the author of The Crooked Places Made Straight: Reflections on the Moral Meaning of America (Penguin Press, 2026), draws on the book of Isaiah to offer lessons on the moral crises facing America, from gun violence to voter suppression and climate change, and how to address them spiritually and politically.   Photo: Democratic US Senate candidate Reverend Raphael Warnock arrives to speak at a rally at Garden City Stadium in Savannah, Georgia on January 3, 2021. The two candidates are competing in a runoff election on January 5th that will decide which party controls the United States Senate. (Photo by Logan Cyrus / AFP) (Photo by LOGAN CYRUS/AFP via Getty Images)   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On Iowa Politics is a weekly news and analysis podcast that aims to recreate the kinds of conversations that happen when you get political reporters from across Iowa together after the day's deadlines have been met. Tackling anything from local to state to national, On Iowa Politics is your weekly dose of analysis and insight into the issues affecting Iowa.This week, we start with what is becoming an almost recurring Iowa election tradition: Libertarian ballot access litigation. Plus, gubernatorial tickets are set, Republicans have some family squabbles and another Iowa data center project sparks a political fight in Clinton.This episode was hosted by Gazette Deputy Bureau Chief Tom Barton and features Sarah Watson of the Quad City Times and Gazette columnists Althea Cole and Todd Dorman.This episode was produced by Gazette Deputy Digital Content Manager Bailey Cichon.State panel rejects 2 Iowa Libertarians' spots on ballot https://www.thegazette.com/news/elections/state/state-panel-rejects-2-iowa-libertarians-spots-on-ballot/article_b7e1c1f1-2c14-4a4b-9703-5a108db5fcb9.htmlRepublican gubernatorial candidate Zach Lahn picks state lawmaker as running mate https://www.thegazette.com/news/elections/state/republican-gubernatorial-candidate-zach-lahn-picks-state-lawmaker-as-running-mate/article_b5e45cbc-8d6b-438b-88f6-962e4539fea8.htmlJim Carlin urges supporters not to vote for Ashley Hinson https://siouxcityjournal.com/news/state-regional/government-politics/elections/article_d22241a5-168e-47f7-85bb-199388fb2a53.htmlClinton residents organize against proposed QTS data center https://qctimes.com/news/local/government-politics/article_5827c520-3b42-407e-9610-c8a6421385e5.html

On the latest Celiac Project Podcast: Mike and Cam tackle a wave of misinformation and negativity swirling through the celiac and gluten-free community after recent viral comments dismissed gluten-related illnesses as “not real.” They unpack why these jokes miss the mark, how misinformation spreads, and the importance of pushing back with facts, humor, and unity. Along the way, they explore divisions within the gluten-free world, social media fatigue, and why authentic community support matters now more than ever.Listen to the full episode here: https://celiacprojectpodcast.libsyn.com/I would love to hear from you! Leave your messages for Andrea at contact@baltimoreglutenfree.com and check out www.baltimoreglutenfree.comInstagramFacebookGluten Free College 101Website: www.glutenfreecollege.comFacebook: http://www.Facebook.com/Glutenfreecollege Hosted on Acast. See acast.com/privacy for more information.

Hate speech is an unavoidable menace today – particularly so for women and girls – on and offline. The abuse they face is increasingly fuelled by so-called “manosphere” online influencers.Their posts primarily target young men and boys to promote a warped view of masculinity, usually by promoting rigid gender roles and misogyny.To mark the International Day for Countering Hate Speech on 18 June, UN News's Nathalie Minard sat down with Kalliopi Mingeirou from gender equality agency UN Women, where she's leading efforts to end gender-based violence.

What do you do when your child asks a question that leaves you scrambling for an answer? In this episode, Anna and Jess revisit one of Parenting for Faith's most-loved tools for handling tricky faith questions with confidence. Using the simple four-step framework of What do you think? What do we know? What do we not know? How do I handle it?, they explore three challenging questions that many children and teenagers ask: Why does God let bad things happen? Why doesn't God answer every prayer? Why are Christians sometimes hypocrites? Rather than trying to have all the answers, this conversation encourages parents and carers to create space for honest exploration, model a faith that can wrestle with uncertainty, and help children discover that God is present even in the questions we cannot fully resolve. Links: BRF Online - https://brfonline.org.uk/pages/parenting-for-faith Offering to be a ‘guinea pig' for our Five Key Tools Course - https://forms.office.com/e/bksHWjVjvM 4 steps model explanation video and postcard - https://www.parentingforfaith.brf.org.uk/post/questions/ Telling kids and teens the whole story- https://www.parentingforfaith.brf.org.uk/post/telling-the-whole-story-facebook-live/ We would love to know how Parenting for Faith has helped you and how we can develop more! If you have a few minutes, please complete this survey https://www.surveymonkey.com/r/YM8BXS5.    Send us your questions, stories and ideas for future episodes at parentingforfaith.org/podcast or email us at parentingforfaith@brf.org.uk Thank you for listening today. Parenting for Faith is part of the charity, BRF Ministries. We are reliant on donations from individuals and churches to make our resources available to as many people as possible. If you are able to contribute to the cost of producing this podcast, please click here to give a one-off or regular gift: www.brf.org.uk/get-involved/give. We are grateful for all donations, big or small. They make a real difference. Thank you so much for partnering with us.

In this episode of Anime Minority Report, host Jamie teams up with Guerby to dive into the much-discussed TBATE anime issue. Jamie shares their disappointment with the new season and explores whether the overall quality of anime is slipping. Join them as they break down what's missing, the highs and lows of recent releases, and what fans can expect moving forward.

In Hour 2 of the show, Jonas Knox, Brady Quinn, & LaVar Arrington chime in more on the Brendan Sorsby situation from Texas Tech defending him highly lately. Plus, the guys have some fun with a Kansas State recruit getting tackled by his mom, we have a flight edition of the FSR IR, and more!!See omnystudio.com/listener for privacy information.

How do regulators actually write the rules for crypto? SEC Commissioner Hester Peirce and Taylor Lindman, Chief Counsel of the SEC's Crypto Task Force, take us inside the process, recorded at the SEC offices in Washington, D.C.We cover CLARITY Act rulemaking, lessons from Dodd-Frank, principles-based regulation and navigating the risks of decentralized projects. If you want to understand how an agency like the SEC actually works, this episode is for you.Timestamps:0:00 Intro1:20 Commissioner Peirce's philosophy on capital markets5:04 Rulemaking at the SEC6:48 The SEC's divisions, explained8:27 How the Crypto Task Force is staffed10:37 Lessons from Dodd-Frank13:10 Legal artisans15:15 The Clarity Act deadlines18:55 Decentralized intermediaries20:56 Principles-based vs prescriptive regulation24:49 Tackling difficult crypto questions26:23 Leveraging AI for data review29:46 "Come in and register" under this SEC33:50 SEC & CFTC collaboration35:52 Re-engaging the crypto industry40:00 Crypto Task Force & the Clarity Act45:54 The SEC's non-crypto priorities48:41 Avoiding another regulation-by-enforcement era57:14 Thank you to Sam Enzer, Lewis Cohen and Cahill, plus a shoutout to Day One Law and Nick PullmanNewsletter: I'm re-launching the Law of Code newsletter soon: you can ⁠⁠⁠stay updated on emerging tech law for free here⁠⁠⁠: https://www.lawofcode.fm/Any feedback on this episode? Or how to improve the podcast? ⁠⁠Click here: https://forms.gle/W4d2a5aHuLJjuNdn7Disclaimer: This podcast is for informational and educational purposes only and does not constitute legal or investment advice. Views expressed by guests are their own and do not necessarily reflect those of their employers. Listening to this podcast does not create an attorney-client relationship.

Edible beans planted into strip tillage is still a rare sight in Ontario, but Thamesford grower Matt Langford is in year two of testing whether the system can help manage residue, stones, erosion, and harvest logistics on productive ground. In this episode of RealAgriculture’s Edible Bean School, host Bernard Tobin visits Langford to see how... Read More

Hello there! Welcome to Force Ghost Conversations. This podcast is your home for cozy, deep dives into all things Star Wars and Lucasfilm-adjacent properties. Each week, our host will be joined by fans, creators, and believers in the principles from the Galaxy far, far away to discuss the thematic elements from our favorite Lucasfilm properties. Without further adieu, it is time to gather around the campfire for some Force Ghost Conversations.How many times have you seen the Mandalorian and Grogu in cinemas? Our tally is 4 and counting. Our guest will have seen the movie at least 5 times by the time this recording is released. Mike Celestino from Who's the Bossk? joins the show again to give his thoughts and candid commentary on the film. We discuss what worked and what this movie will indicate for Star Wars moving forward.Topics Discussed Include:1. Seeing the Film with Commentary2. The Joy of the Slow Moments of the Movie3. Tackling the CriticismSupport the show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!If you want to continue the conversation, please follow us at the following websites:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Blue Sky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Threads⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Merchandise⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Today's guest is Mike Celestino from Who's the Bossk. Be sure to support their work online!

In this episode, Morgan Kendrick, EVP and President, Commercial Health Benefits, Elevance Health, discusses the rising cost pressures facing employers and explores how balanced funding, self-funding, and multiple employer welfare arrangements can help improve affordability while simplifying healthcare benefits for businesses and their employees.

Welcome back to the final part of my interview with Philip Eil, an award-winning freelance journalist based in his hometown, Providence, Rhode Island and the author of “Prescription for Pain” and a work in progress about the history of the Wyatt Detention Facility, a maximum-security prison in Central Falls, Rhode Island.Today we're going to get a glimpse at where Phil's throughline is leading him next and end with my fast final five questions about what he's been reading, watching, listening to, and fantasizing about eating.We talked about:- The local nonprofit news outlet he just joined the board of- Stumbling into being an expert on AI and misinformation (book him for a talk at your local library!)- Why it's helpful to think about the people whose careers you envy- The parts of being an author he finds especially rewarding and thrilling- The link between clutter and mental health- The novels he recently binged, the brand of coffee he swears by, and the absolute best part of his weekConnect with Phil at philipeil.com, or on Instagram @philip.eil or Bluesky @phileil.For full show notes with links to everything we discuss, plus bonus photos!, visit katehanley.substack.com.Thank you for listening! Learn more about your ad choices. Visit megaphone.fm/adchoices

Ahead of London Climate Action Week, we're exploring how the UK is adopting International Sustainability Standards Board (ISSB) standards.   This episode of the All Things Sustainable podcast is the latest in our ongoing series about global ISSB adoption. Sustainability-related reporting is well established in the UK, and in today's episode we speak to Sally Duckworth, Chair of the UK Sustainability Disclosure Technical Advisory Committee (TAC). The TAC was formed to provide recommendations to the UK government on adoption of the ISSB standards.   "We want to eliminate what's often called the 'alphabet soup' of fragmented reporting by promoting consistency and comparability," Sally tells us.  Sally says companies' understanding of risk has evolved in the face of geopolitical conflicts and climate-related disasters. "People now see risk with a much broader lens, looking at what's happening in their ecosystem as a whole — and clearly, sustainability forms a key part of that."  We also speak to ISSB board member Richard Barker, who explains how the UK fits into the broader global context of countries adopting ISSB standards. Richard joined us on stage for our podcast event recorded live in London on April 29,and you can hear the full interview here: Live in London: How sustainability is evolving into a broader conversation about resilience | S&P Global  Listen to our interview with the Chair of the Canadian Sustainability Standards Board here: Why Canadian Sustainability Standards Board Chair calls sustainability disclosures "table stakes"  Read our latest quarterly tracker on ISSB adoption here: May 2026 – Where does the world stand on ISSB adoption? | S&P Global  Copyright ©2026 by S&P Global    DISCLAIMER  By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.    Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).    This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.    S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Why do so many girls disengage from sport during their school years and what can schools do to change that? In this special Teachers Talk Radio show in partnership with the Football Association (FA), hosts Tom Rogers and Rae Whitehouse are joined by Stacey Mullock, Head of Development at The FA, and secondary teacher Helen Tonks to explore the barriers still holding girls back in sport and school life. Whether it be misogyny and exclusion to body confidence, periods, kit anxiety and the fear of judgement, this honest and practical conversation looks at the real experiences many girls face and why these issues extend far beyond the football pitch. Drawing on insights from the FA & Barclays Made for This Game: Breaking Barriers campaign, the panel discusses how schools can create environments where girls feel confident, included and able to belong. The conversation explores what misogyny looks like in schools today, how teachers can open difficult conversations with confidence, and the small cultural shifts that can make a big difference. With 90% of schools now offering girls equal access to football, progress is real but access alone isn't enough. This show looks at what comes next and how teachers can help girls build confidence, resilience and a lasting sense of self-worth.

On Iowa Politics is a weekly news and analysis podcast that aims to recreate the kinds of conversations that happen when you get political reporters from across Iowa together after the day's deadlines have been met. Tackling anything from local to state to national, On Iowa Politics is your weekly dose of analysis and insight into the issues affecting Iowa.This week, Rob Sand has a running mate, more ballot challenges featuring Libertarian candidates, and Iowa's executive branch switches IT services. That last story is more interesting than it sounds, trust us.This episode was hosted by Gazette Des Moines Bureau Chief Erin Murphy. It features Gazette Deputy Bureau Chief Tom Barton and Gazette columnists Althea Cole and Todd Dorman.This episode was produced by Gazette Deputy Digital Content Manager Bailey Cichon.Read the articles featured in this episode:Western Iowa farmer picked as Democrat Rob Sand's running mate for Iowa governorName confusion leads to challenge of Iowa Libertarian candidateReynolds defends Iowa IT outsourcing plan, says jobs will stay in Iowa

In this episode, Morgan Kendrick, EVP and President, Commercial Health Benefits, Elevance Health, discusses the rising cost pressures facing employers and explores how balanced funding, self-funding, and multiple employer welfare arrangements can help improve affordability while simplifying healthcare benefits for businesses and their employees.

Join Mike D The Referee for a special solo episode of Whistle Talk as we review NFHS Football Rules 1, 2, and 3 through a comprehensive quiz designed to sharpen your officiating skills before the season begins.Whether you're a new official preparing for your first varsity assignment, a veteran referee looking for a refresher, or simply a football fan who wants a better understanding of the rules, this episode will challenge your knowledge and help reinforce key concepts every official needs to know.Special thanks to Tom Barlow, Cadet Supervisor for the NJFOA Shore Chapter, whose training materials and instruction continue to help develop the next generation of football officials.

In this episode, Melissa shares insights from both her professional experience and her personal journey, offering a thoughtful look at the many factors that can influence a child's learning. Together, we explore different perspectives, practical considerations, and ways to approach challenges with fresh eyes and renewed confidence. Every child should have access to a whole education. While we work hard to keep our virtual school tuition and curriculum prices affordable, there will always be families that desire this education but can not afford it. It is our deepest desire to help those families. https://www.aurielslight.orgAuriel's Light is a non profit and all donations are tax deductible. Candle Access: Full Length Podcast Library + Gathering Replays https://www.aurielslight.org/donate Learn more about our Waldorf Homeschool Curriculum and Planning for Peace here: https://www.waldorfessentials.com/store Learn more about our Seasons of Seven homeschool program here: https://www.seasonsofseven.com Instagram: https://www.instagram.com/waldorf_essentials/ Facebook: https://www.facebook.com/WaldorfEssentials/ Pinterest: https://www.pinterest.com/waldorfessentials/

Dora, Robin, and Headspace mental health coach Corey answer questions about navigating unpredictable events, reframing your identity after family members have passed away, and coping with senior coworkers who humiliate or embarrass you. Follow Robin ⁠here⁠ or at ⁠Well…Adjusting⁠ and follow Dora ⁠here⁠ and follow Corey ⁠here⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

When we fly we love to take our gadgets with us. But the lithium batteries that power them can catch fire. We find out about a new campaign urging us to pack with safety in mind.Also this week: the BBC's Lily Jamali visits an international competition for new AI applications in San Francisco. And protecting Africa's endangered wildlife is an increasingly high-tech business - a new scheme aims to give conservation workers the latest skills.Presenter: Chris Vallance Producer: Tom Quinn(Photo: A man is in an airport lounge. He is charging his smartphone with a portable charger, which is resting on a suitcase. Credit: Getty Images)

Hospital-acquired bacterial pneumonia (HABP) and ventilator-associated bacterial pneumonia (VABP) are serious conditions that often affect critically ill patients in ICUs. These infections carry a high risk of mortality and are frequently caused by multidrug-resistant bacteria like MRSA. On this episode of the ATS Breathe Easy podcast, Scott Micek, PharmD, University of Health Sciences and Pharmacy in St. Louis, explains to host Eddie Qian, MD, Vanderbilt University, why treating HABP/VABP needs to be tailored to the patient, how rapid diagnostics have pros and cons, and the importance of balancing aggressive early treatment with careful reassessment. This episode is sponsored by Innoviva Specialty Therapeutics.

Swan Alley, located between Thomas Street and Hanbury Lane, has long been a source of discussion among members of the South Central Area Committee...Last week, it was gated shut due to the ongoing issues related to drug abuse, anti-social behaviour and illegal dumping. Is this the correct thing to do to tackle anti-social behaviour?Joining Ciara to discuss is Brendan Brady of Brady Associates on Meath Street and Lesley Byrne, Dublin City Councillor with the Social Democrats.

What does it take to go from helping millions of people breathe easier to helping patients keep their legs?   Join The Heart of Innovation as Kym McNicholas talks with Sarvajna Dwivedi, Ph.D., entrepreneur, inventor, and CEO of AngioSafe, whose career has spanned some of the most challenging problems in medicine.   Sarvajna co-founded Pearl Therapeutics, a company focused on breakthrough respiratory therapies that was ultimately acquired by AstraZeneca for $1.15 billion. Along the way, he helped develop inhaled therapies and drug-device combinations designed to improve the lives of patients with asthma and COPD. (AngioSafe United States)   Today, his focus has shifted from the lungs to the arteries.   As CEO and co-founder of AngioSafe, Sarvajna is leading the development of the Santreva-ATK Endovascular Revascularization Catheter, a novel device designed to restore blood flow through some of the most challenging chronic total occlusions (CTOs) physicians encounter in patients with peripheral artery disease (PAD). The technology is designed to cross completely blocked arteries, compress plaque, create a new channel, and restore blood flow without relying on a guidewire or external power source. (Medical Economics)   In this episode, we discuss:   • How a pharmaceutical scientist became a medical device innovator   • The story behind Pearl Therapeutics and its $1.15 billion acquisition   • Why chronic total occlusions remain one of the biggest challenges in PAD treatment   • How AngioSafe's Santreva-ATK technology works   • What it means to restore blood flow through arteries that are 100% blocked   • The future of cardiovascular and vascular innovation   If you or someone you love has peripheral artery disease, diabetes, leg pain while walking, non-healing wounds, or has been told an artery is completely blocked, this is a conversation you won't want to miss.  

Ricky talks about RCDC pt2, we're joined by Team Main Phase's baby boy, and then we look at MARVEL BABYTeam Main Phase: https://x.com/TeamMainPhaseMetafy: https://metafy.gg/@teammainphaseWant to support the show? You can find our Patreon here: https://www.patreon.com/crew3mtg You can now also support us by buying cards through our TCG Affiliate link! http://crew3mtg.com/Buy a playmat or used our Inked Gaming affiliate link here: https://bit.ly/3aX4hzOWant to keep up with the show? Join our Discord http://discord.gg/h62MXE5raf or follow us on twitter @Crew3podcastWant more Crew3 content? Check out our YouTube channel or watch our weekly streams on Twitch.If you like the show, please share us with your friends and leave a review!

Brad Ross worked on four Fifa World Cups during more than a decade with Coca-Cola, but he likens the expanded 2026 edition to having 104 Super Bowls in five to six weeks. Now, as managing director of global marketing partnerships at Bank of America, he is overseeing the financial services giant's first-ever sponsorship of soccer's flagship international tournament. In this episode of the SportsPro Podcast, Ross sits down with Head of Editorial Sam Carp to discuss the strategy underpinning Bank of America's World Cup debut and what opportunities and challenges the expansion of the tournament creates for sponsors. Recorded at SportsPro London, the conversation also explores how the bank will activate the partnership across its 100 US markets, what it takes to cut through in a noisy tournament environment, and how it is tracking ROI. There's also time for Ross to reveal what it's really like to work on a World Cup and share his key piece of advice for sponsors.

Sen. Sally Harrell was elected to the Georgia State Senate in 2018, representing DeKalb and Gwinnett counties. Prior to serving in the Senate, Sen. Harrell earned a Master of Social Work and worked as a non-profit executive. Recently, Sen. Harrell co-chaired a legislative study committee on Kids' Online Safety. She and her husband are proud parents of two young adult children. In this episode… Keeping kids safe online has moved beyond screen time limits and reminders about what not to click. From social media and gaming platforms to AI companion chatbots, lawmakers are focusing on features that can manipulate children or expose them to harmful interactions. Parents want stronger protections for their children, and lawmakers on both sides of the aisle agree more must be done. As lawmakers push to regulate harmful design and AI-driven risks, balancing child safety with innovation remains a challenge.  Protecting kids online takes more than one policy or parental control setting. Georgia State Senator Sally Harrell knows this well. She introduced a resolution to create a bipartisan-led Senate Study Committee dedicated to keeping kids safe online. The committee's work helped advance the bell-to-bell cellphone ban for high school students, building on the K through eight ban previously signed into law in Georgia. Their efforts also led to bills addressing addictive social media and gaming design and AI companion chatbot safeguards. The legislative process revealed how lobbying pressure and buried bill language can weaken broadly supported protections. Yet call to action matters. Parents and constituents need to stay engaged, get involved, and speak up to ensure legislators are held accountable for protecting children online.  In this episode of She Said Privacy/He Said Security, Jodi and Justin Daniels speak with Georgia State Senator Sally Harrell about the realities of advancing kids' online safety legislation. Senator Harrell explains how the bipartisan-led Georgia Senate Study Committee on kids' online safety turned parent concerns into legislative action. She shares a behind-the-scenes look at what it takes to keep bills moving, including the constraints of short legislative sessions, Big Tech lobbying, and the role public advocacy plays. Senator Harrell also provides privacy and security tips for families navigating children's online activity.

E-waste, that's electronic waste, is a serious problem in Australia, where we generate nearly three times as much e-waste per person as the global average.  

What happens when you wake up one day and realize you've been asleep for 20 years successful on paper, but dead inside? For Brian "Dixon" Dixon, that realization came after a near fatal pulmonary embolism. But it didn't have to. In this powerful episode of Productivity Smarts, host Gerald J. Leonard sits down with Brian Dixon, Colorado based adventurer, speaker, and author of the upcoming book Hold My Beer, I'm Going to Change My Life. Dixon shares his raw, personal journey from decades of misalignment, chasing the wrong career, surrendering his dreams, and becoming a "man zombie," to a life changing breakthrough at age 52, when he finally launched a paraglider off Lookout Mountain, a dream he had buried for 25 years. Gerald and Dixon explore the "provider trap" that causes so many men to lose themselves, the small signals of misalignment we ignore until a crisis hits, and the antidote: Hold My Beer energy, a non negotiable, committed launch toward the one thing that still lights you up. Dixon offers a simple "man zombie test" to check in with yourself, explains why most people never recover their fire, and proves that it's never too late to stop talking about the old days and start living the new ones. Whether you're feeling stuck, burned out, or just vaguely numb, this episode will give you the permission and the push to say, "Hold my beer, I've got something I need to do." Ready to wake up? Listen now and learn how one committed launch can start a positive flywheel that changes everything.   What We Discuss [00:00] Introduction [02:01] Meet Brian "Dixon" and his upcoming book [04:39] The "hold my beer" moment that changed everything [05:35] Living 20 years in misalignment and autopilot [06:46] Financial collapse and personal reset after 2008 [07:42] The life-threatening health scare that sparked change [09:12] Rediscovering a lost dream: paragliding off Lookout Mountain [10:56] Turning one decision into a life transformation [13:55] Defining "hold my beer energy" [14:27] The hidden danger of the provider trap [17:55] Losing yourself in responsibility and routine [19:00] Why making time for yourself is essential [20:52] How to realign your life before a crisis hits [22:09] The "man zombie test" and self-check questions [24:05] Tackling misalignment one decision at a time [25:11] Why commitment, not interest, drives transformation [26:19] Building a positive momentum flywheel [27:08] Reigniting passion at any stage of life [30:13] Signs you're losing your fire and how to reverse it [31:56] It's never too late: overcoming the "I'm stuck" mindset [34:35] Where to find Dixon and what's next  Notable Quotes [05:56] "My passion and my fire for life went to sleep, and I call it a man zombie stage. I basically went into autopilot for 20 years." – Brian Dixon [08:35] "After the pulmonary embolism, I said: I am halfway through my life. I am 44 years old and I have been asleep this whole time." – Brian Dixon [15:21] "I feel like men can lose themselves inside of that provider ship piece – they don't have any guardrails for their own dreams." – Brian Dixon [21:56] "The big thing is, it's tough for men to actually know they're asleep. If you're taking a nap in the middle of the night, you don't know you're asleep." – Brian Dixon [22:23] "When is the last time you did something just for you? Not for your boss, not for your spouse, not for your kids? These check-in questions can help you avoid the hospital." – Brian Dixon [24:20] "Eat the elephant one step at a time. Find the one thing that's most misaligned. Then hold my beer – non-negotiable. Nothing's going to stop me." – Brian Dixon [24:44] "When you launch a paraglider, we call it a committed launch. Life or death. That's how you should treat Hold My Beer." – Brian Dixon [30:56] "If you ever find yourself where most of your conversation is about how things used to be, that's a trigger signal. Your fire is going out. You should be talking about what you're planning on doing right now." – Brian Dixon [31:35] "You don't quit snowboarding when you get old. You get old because you quit snowboarding." – Brian Dixon [33:59] "It's never too late if you can kindle that fire again." – Brian Dixon   Resource and Links Brian "Dixon" Dixon Website: www.gowithdixon.com Book: Hold My Beer, I'm Going to Change My Life (coming Fall)   Productivity Smarts Podcast Website - productivitysmartspodcast.com Gerald J. Leonard Website - geraldjleonard.com Turnberry Premiere website - turnberrypremiere.com Scheduler - vcita.com/v/geraldjleonard Kiva is a loan, not a donation, allowing you to cycle your money and create a personal impact worldwide. https://www.kiva.org/lender/topmindshelpingtopminds

When parenting philosophies clash and real-life questions don't have easy answers, where do you turn? Jim Scudder and a panel of fathers tackle your toughest parenting questions with wisdom from experience and Scripture.

Kelly Brownell interviews Jon-Paul Bianchi, Director of Systems Change at the W.K. Kellogg Foundation, about the foundation's systems-change approach linking food, health, early childhood, and family economic security to address inequities affecting children and families. Bianchi describes his path from PhD research to policy work and then to Kellogg, and explains how integrated grantmaking focuses upstream on policies, practices, resource flows, narratives, and long-term investment in people and relationships rather than isolated programs. He highlights Vermont's inclusion of food quality in childcare ratings and the foundation's Farm to Early Childhood efforts connecting procurement, regional food systems, and state policy, with examples from states like North Carolina, Iowa, and Wisconsin, and notes Brazil's national local purchasing policy as a model for success. Transcript As I was mentioning before we got started, I've long admired the work of the Kellogg Foundation. Working with the concept of food systems or connecting agriculture with nutrition and thinking about regenerative agricultures. There are a lot of places where your foundation was out front. So, I salute you and your colleagues for that. And it'll be interesting to find out what's happening right now. Tell us a little bit about yourself, and how did you get into the philanthropic work and your work with Kellogg in particular? I'm Jon-Paul Bianchi. I'm the director of the Systems Change team at the W.K. Kellogg Foundation. And what that essentially means is I'm the director of national programs at the foundation. But we call it systems change because we really do see in the different areas of work that we focus on- health, family economic security, food, and early childhood- that these things are all interconnected by some distinct systems. But also, common systems that overlap across them. And so, that's the approach that we take. And I'll spend some time sort of diving into that today. You know, to answer the question of how I got here... you know, a master stroke of luck. I was set to be an academic researcher. I was working on my PhD at the University of Wisconsin. I was ABD and decided that I didn't want to be a researcher and I wanted to work in policy. And I moved to Colorado to take a job sort of sight unseen, being the policy director of an organization that worked in K-12 and children's health, and food and early childhood education. And did that for a few years and learned to translate research into practice; into policy. And was giving a presentation and got a tap on a shoulder from somebody that worked at the Kellogg Foundation who was interested in what I was saying. And we had one conversation, and six months later, I wound up having a new job and leaving Colorado and moving to Michigan. That was 15 years ago. Well, you went into this with a great background having done the science as a graduate student and then into the policy world. And you're right, the intersection of those two is really where the magic can occur. You began talking about this, but let's talk about it a little bit more. So, when you say that there are systems that cut across different problems like food and health and economic security, etc., and I know you structured your team to reflect that cross-cutting kind of view of things. But tell us a little bit more about that. And how is this different than what's usually done, and how does it affect the way your work gets carried out? So, big picture at the Kellogg Foundation, we envision a society where every child can thrive. But we know that there's too many kids and families that still can't access good food or quality childcare, or their parents can't find quality jobs because of inequities that are embedded in the policies and the practices and narratives that shape our systems. And so, having a multi-issue integrated grant making team, it's made us more effective by better understanding the points of intersection and collaboration across those bodies of work. So, our food systems program officers are in the same team, and they work closely with our program officers in early childhood and family economic security and health. And those collaborations strengthen the work in a variety of ways. We have experts in each of those areas, but because they're spending time with each other and working in the same team, they're exposed to, and they learn about each other's work and each other's worlds. And that creates powerful collaborations in the foundation, but more importantly, out in the field. And it helps us to see that we can't fix any of these systems, including food systems, with surface level or patch kinds of solutions. We really have to work together to get upstream and focus on policies, focus on practices, focus on resource flows and narratives that really sustain the inequities that we see. And so, the foundation partners with organizations to dismantle barriers in food systems in the other areas so that children and families can access quality food. But I think we also recognize that's about investing in people. And it's about investing in people over time to drive transformational change in any of these systems, including food. For people listening to this who aren't in the world of philanthropy or academics or science or policy they might be saying, "Well, this kind of makes common sense. Isn't this the way it's usually done?" And in fact, it's not usually done to have this cross-cutting work accomplished the way you're doing it. It's actually a pretty impressive thing. Yes, thank you. And I have a lot of respect for our philanthropic partners and peers, and we work very closely with a lot of large and small foundations. And I think the adage in philanthropy is you know one foundation you know one foundation. So, we do it this way and somebody else will do it differently. And I think there's a lot of connection for us back to our founder. You mentioned Will Keith Kellogg at the top of the call. He was ahead of his time in terms of understanding the interconnectedness between food and the land and opportunity and people's education. And a lot of that came out of his tradition as a Seventh Day Adventist. But also, I think just as a person coming up in the Depression and seeing what happened afterwards and really beginning to understand in his own community of how these things were sort of connected to one another. And so, for us, both inside and outside the foundation, systems change really means betting on people long term to reshape those systems from the outside in. But also, from the inside out. And that's really what we're striving for. You mentioned the history of Dr. Kellogg. The history of that family is so interesting, and what went on in, you know, the sanitarium in Battle Creek, Michigan, and how the concept of breakfast cereals came about. And how the focus on natural foods was so important. It's worth spending a little time even on just Wikipedia to try to find out what that history is, because I find it fascinating. So, let's go back to food and go a little bit deeper and talk about what this systems approach looks like in practice. You're a philanthropic organization. You exist in the context of a capitalist society where businesses are out to do as well as they can. How is the foundation's work different from, say, funding a food pantry, launching a single nutrition program somewhere, which is what typically might be done? Yes, I think what we intend to do and how I think our systems approach is a little different from, say, you know, funding a single nutrition program, is that we mean to design and redesign practice and policy based on how kids and families actually live their lives. Right? So, where food and health and early childhood and family economic security show up together in a community, right? Families experience these things simultaneously in their everyday lives. They don't experience these things in silos. And so, we try to have our team and our work reflect that. So, instead of treating food as a narrow problem to fix with one program, we try to think about how the entire system around a child and their caregivers works or doesn't work and find those opportunities and levers to move that whole system. I'll give you a concrete example that will bring in our colleague Linda Jo Doctor, who you mentioned at the top of the conversation. Early in my time at the foundation, I was a reviewer for the Race to the Top Early Learning Challenge Grant. This was an Obama era competitive grant process for building early childhood systems in states. And the state of Vermont did something really interesting that I had the good fortune to review as part of that team. They included the quality of food and access to fresh, healthy food in childcare centers as part of their quality rating and improvement system for childcare. They didn't just talk about teacher quality or curriculum or reflective practice. They actually said, "If we care about child development, then what children are eating every day in those childcare centers is part of what quality means." That's a systems approach. They connected food policy and procurement directly into early childhood policy and practice so that nutrition and education and child wellbeing were all being advanced simultaneously. I brought that back to the foundation and brought it back to Linda. And we had a really great conversation about it, and then another, and then another, and then another. And that experience helped shape how I think and how many people think about our work at the foundation. And it led to things like the expansion of our Farm to Early Childhood work, which again, leans heavily on procurement as the strategy to drive systems change, but connects it into early childhood policy. Tell us about that. You know, the Vermont example you gave is a terrific one. And you talked about Farm to Early Childhood. What does that mean in practice? In practice for the foundation, it really leaned heavily first on, sort of, understanding the landscape of where there was capacity to connect regional food hubs, farmers and producers and growers to systems of early childhood. At the same time that you have these burgeoning and developing systems of early care and education with regard to financing and sophistication, you have something similar going on in them in the food system movement, depending on the state that you're in. And so, we work diligently in a subset of states to really connect those policy levers, pull them together, and try to create essentially more situations like Vermont, you had partnership at the local community level, at the regional level, and then at the state systems level. So, syncing up the actual practice on the ground, syncing up how the relationships between different organizations are formed and maintained with regards to better food and early childhood. But then also trying to codify that into state policy and practice. And we did that for a number of years and had remarkable success in places like Iowa and Wisconsin and even in North Carolina, and a handful of other states. And we very much saw this as a build off our successful farm-to-school work, but doing it in a system that comparatively in terms of early childhood, was a little more fragile, right? And it wasn't necessarily as easy to do it, but all the more important and helpful because of the age and the vulnerability of the kids and families that we're talking about. The systems approach is very powerful, and so I'm going to ask a question not to be challenging, but to in some ways give you a softball for proving the systems approach. If at the end of the day, the most important thing in a childcare setting is to get healthy food into the bodies of the children so they can thrive intellectually and medically and everything else. Couldn't you accomplish that by just giving a good shopping list, a Costco shopping list to the daycare directors, and they could go buy good foods? And why does it need to be connected with farmers and, you know, the broader connection into the community at large, why is that important? Yes. Well, backing up, I wouldn't want to state, as an early childhood person, that the only thing that, you know, makes an early childhood program high quality would be the quality of the food and that that would, you know, lead to optimal child development and school readiness. I think, you know, there's other things in there that actually matter too. But this is definitely a key component. I would say, you know, to your question, that that system that you named already exists. We have the Child and Adult Care Food Program. We have the ability to subsidize the cost of food, and to have that good shopping list in play. But, I think, what the systems approach does is it asks different questions, right? It seeks to say, where does the food come from? How is it grown? Who is benefiting economically, right? How are schools and childcare centers and farmers and communities connected? And how do we strengthen those, connections and relationships so that we can begin to shift policy and practice so that children and families can reliably have access to good food. And they know that it's coming from the community in which they're situated. And the people on the side that are actually producing the food, the farmers and the folks doing procurement and others, that they're actually connected to it too. And they know where the food is going. And so there is this social kind of interstitial benefit to connecting those systems in a way that I think brings value beyond just you get a healthy meal today. I think it begins to shift culture. And if you could shift culture in the institutions that people are participating in, you can actually shift culture in people. So, you could see if a parent that potentially wasn't exposed to that before, or maybe didn't have access, or didn't know how to get access to that kind of food, if their expectations suddenly shifted because in their childcare program they're getting access to quality food, that then becomes an opportunity to engage in a different way. But it also becomes an opportunity for that parent to become empowered and to come together with other parents and other community members and begin to insist that's a reality in everyday life for them. That becomes a norm rather than an exception. I really like your answer because, you know, in some ways, people in our country have become distant from their food. You know, it used to be you could just go to the store, and there might've been one agent between you and who grew the food. The farmer would deliver it to, and now there are factories and machines that process the food, and 10 steps, and it comes from different countries, and all that kind of thing. And what you're talking about is shrinking that gap again to decrease the distance, so people are more in touch. And you could easily see that if the food is coming from farmers and the daycare providers know that they're going to feel better about the food. They're more likely to tell a story about it to the children. The farmer might come to the daycare center, or the children go to the farm. And you could see there's a lot more going on here than nutrition, and that's the beauty of this systems approach, isn't it? I mean, the children want to have a garden, right? I mean, how many times have we seen that? It seems like a small thing in early childhood, but just that simple act of having a garden and being able to understand how things are cultivated and grown. Even for a small child, and I have two small kids, we have a small garden in our backyard: it's meaningful. And it also, I think, establishes a norm that the tomato that you pick off the vine or the pole bean that you pick off, that you eat, that you find just unbelievably delicious, then that becomes normative for them. That's a normative experience, and kids are not as frightened by things when they encounter it. And I think we have a real opportunity in the early childhood space to link up those two systems to say, "Yes, we can affect change." And I think that, again, back to this notion of investing in people long term, the investment in those kids long term and what they come to expect will be the norm matters very much to how we think about our work at the Kellogg Foundation. So you're talking about both practices and policies and a cross-sector approach to these things. And let's talk about policy for a moment. Where does policy typically break down? And what kind of people need to be at the table, and what sort of partnerships need to be established in order to have better food policy? I think if we take seriously that food policy is cross-sector, I believe that we need to build tables that look like the food system. And that means not just public health experts or nutrition advocates or academics, but farmers and food workers, and those childcare providers and teachers, and leaders in K-12, and tribal leaders, community organizers, local state government officials, right? And the funders, right? The funders who are willing to invest in the long slow work of doing systems change. And, you know, one place I would highlight is in your home state of North Carolina. For years, there was significant investment that helped really build a dense ecosystem. You established regional food hubs and meat processing infrastructure, and anchor institutions into schools and early childhood centers. And a really strong network of organizers and philanthropic partners. And that made it possible to fully integrate farm to early childhood in your state's definition of early childhood. And as an aside, I would say North Carolina was also one of the leading states back when I was first coming into the field of building out a high-quality system of childcare. North Carolina led that. And so, these two things converging is a very powerful example, but again, we're getting back to local sourcing. We're getting back to bigger things than just doing food education, right? Those things are now built into the system. And they're not just a side project of the system. They actually are the system. So, you're talking about a foundation doing a lot more than getting proposals, seeing what needs to be funded, and then sending money out the door. You're talking about connecting people in innovative and unique ways. And building bridges that didn't exist before. And getting people to understand the systems change approach. And it just can lead to so many interesting and innovative things that just weren't possible using traditional models. So, really my hat's off to the work you do, and I can see why it's creating such powerful outcomes. One piece I would be remiss if I didn't say this, right? What makes all those partnerships work or fall apart? Usually, it's not the brilliance of a single policy idea or practice idea. I. Sort of. Sound like a broken record, but I'm going to come back to this. Investing in that people infrastructure that sits underneath it is really important. And the places that we find that make progress in any of the issues we're talking about, family economic security, food, health, Medicaid, early childhood, K-12, right? The places that make progress really do have varied and diverse voices at the table, and they're able to build real trust. And they're able to cultivate champions and also the next generation of champions and the next generation of champions who can move between those sectors, right? And the funders are involved, but they really understand that they're financing relationships and governance and people. They're not financing programs. And I think as a grant maker, that's an interesting distinction to think about. Think we know it implicitly and we know it when we see it. It's a lot harder to stick it in a white paper and define it and disseminate it in Stanford Social Innovation Review, for example. No, I totally agree. In the work that we've done over the years with, uh, community partners in Durham, it's been my impression that they get this systems thing from the very get-go. That they understand that if poverty is too severe, then nothing else is going to work, and if housing is a problem, then these other things are going to be affected in pretty serious ways. And they understand the importance of these. And in a way you're letting the flowers bloom. You're taking, I think, what some people understand intuitively and would like to accomplish, but they've been forced into silos. And then once a funder comes along and can allow this to prosper, I think it's sort of a natural thing that occurs. I think so. And I think the tricky thing there is to not be seduced by the programmatic solution. Like, do you remember several years ago when the notion of collective impact was this very popular term that folks talked about? And it's a good thing. I mean, I think the framework and the model is powerful, and it's a useful thought exercise. But what I found in a lot of collective impact work was that it focused very much on aligning the programs. Sufficiently funding the programs and aligning the programs, but not the human side of design and redesign of how do those programs function, right? Who do they serve? Who's at the table when building them or rebuilding them? Do you have the ability to change them midstream if you feel that you need to? And I think a slightly different approach with systems change is you're sort of engaging in a loose hold of the policies and the practices and the issues to give people and the people infrastructure and the relationships time to come together and figure out how they want to move them individually, and how they want to move them collectively. And that's a subtle difference. That's a nuance that I think has really worked in our particular corner of the world. One thing I bet some people are interested in is how the Kellogg Foundation might be distinct from Kellogg as a company. You've described beautifully the innovative work you're doing. The company is off doing what it does commercially. How do these two things intersect? And what's been the history of the connection between the foundation and the company? Yes. So, when the foundation was founded in the 1930s, Will Keith Kellogg, as you said, he endowed the foundation and created it separate and apart from the company. So, it's an independent philanthropic organization. And so, while we bear the name of Will Keith Kellogg, the foundation does not have a formal connection or stake in the company any longer. As you may know, the company split into two companies a few years ago, one called Kellanova and one called the W.K. Kellogg Cereal Company. And since then, I believe both companies have been acquired. I think Mars now owns Kellanova, and Ferrero, an Italian company, owns W.K. At present, the W.K. Kellogg Foundation does not have any connection to either of those companies because they've been acquired by other groups. And aside from having some stock with the foundation, that was sold to support our endowment, we don't have any formal connections anymore. But I think the proximity of the foundation to the company in Battle Creek, and I think the shared history of Battle Creek and the shared history of Mr. Kellogg's vision is actually important to note. And I think it does matter to how the two institutions are connected. I said this a little while ago in the conversation, but in the 1930s, Mr. Kellogg knew that you couldn't separate food from health and education, family economic security, and he knew this while he was making cornflakes, right? And so he helped make sure in the late 1930s that children in Battle Creek had access to fresh milk in schools at the same time that he was doing work in soil conservation and in building healthy land. And he had a sense of knowing that how the food is grown and how kids are nourished, it's part of the same story. And I think that DNA has pulled forward into the foundation, and it makes it a really special place to work because we still carry that memory of him, and we still carry that vision of him into the work that we do. Thanks. You know, a long time ago, when I first became familiar with the Kellogg Foundation, I wondered about the history and the independence of the foundation from the company. And I pretty quickly came to learn that the foundation, as you said, is quite independent from the company. But you've enriched my knowledge even beyond what I've known over the years, so thank you. That's a fascinating history. So, let's end with one final question. If you fast-forward and kind of look ahead, what do you think is on the way? And what does success look like to you and your colleagues? Yes, it's a good question. I mean, I think if we got this right, you know, 10- 20 years from now, success would look like children and families living in communities where good food is just a part of everyday life. It's normal and reliable and not something that folks are lucky to find. I talked a little bit about how Mr. Kellogg thought about this in the '30s, but we also see what's possible in other places, right? When that vision can become a reality in terms of policy and practice. So, we had done some work in the country of Brazil. And we see now that national policy in the country of Brazil now requires that at least 50% of school food be purchased from local sources, grown with high-quality standards, right? That one decision reshaped incentives all along the food chain. What farmers grow, what institutions buy, what kids eat. That's a powerful example of institutions using their everyday purchasing power to build healthier and a more just system. So, you know, 10- 20 years from now, if we've done our job, it would mean that the kinds of innovations in places like Brazil or North Carolina or even in Michigan with our 10 Cents a Meal program, that those types of things would have become the norm. That schools and early childhood centers and hospitals and tribal and local governments would be routinely buying good, locally rooted food. And that workers and farmers are earning a fair and stable wage, and they have incomes. And the communities most affected by hunger and inequity are actually at the core of leading and designing new systems. And food policy would no longer be a patch on top of the inequity. It would be one of the main ways that we build healthier and more equitable futures for kids and families. BIO Jon-Paul Bianchi is the Director of Systems change at the W.K. Kellogg Foundation (WKKF) in Battle Creek, Michigan. In this role, he leads WKKF's national grantmaking strategy focused on early childhood care and education, health equity, employment equity and food systems. As a longtime philanthropic leader and national expert with a focus on early childhood education, Bianchi provides strategic oversight to the foundation's national programmatic work to support thriving children, families and communities. Bianchi holds a doctorate of Education from Vanderbilt University's Peabody College of Education and Human Development, a master's degree in child development and a bachelor's degree in child and family studies from the University of Wisconsin-Madison. He helped found and currently serves on the board of Valley Settlement in Glenwood Springs, Colorado.

If you listened to Episode 352 with Cynthia Kersey, you'll love this conversation. Think of it as a beautiful continuation of that thread, the work of changing lives through purpose-driven leadership, conscious business, and heart-centered impact.    Today, I'm bringing you Janet Driver, someone I've known for many years through my connection with the Unstoppable Foundation.    Janet is the Director of Partnerships at the Unstoppable Foundation, where she partners with generous supporters to create lasting transformation in underserved communities in rural Kenya.    For the past 8 years, she has worked alongside global philanthropists to expand access to education, support emerging leaders, and help families develop the leadership, financial literacy, and entrepreneurial skills needed to break cycles of poverty.    And this is what I love about Janet's work.    She understands that true abundance is never just about one person rising.    It is about the ripple effect.    Janet and I dish on:    Why the organization focuses highly on girls and women    - The intention behind empowering women; building a strong family structure   - Resources versus culture; tackling one thing at a time   - The Unstoppable Foundation as a possibility creator    - The vision; from providing sustainability to solving problems   - Donating changes the giver more than the receiver; learn how   - Money expands your capacity to receive when you use it wisely    This conversation invites you to reflect and consider what you can do to support similar initiatives in your community.    Subscribe now so you'll never miss an episode and leave us a review! It really helps us know which content resonates with you the most.    Join our Feminine Business Magic Facebook Group (https://tinyurl.com/ygdkw7ce)  with your host, Julie Foucht. This is a community of women dedicated to connecting, supporting, and celebrating each other in growing businesses that honor their Divine Feminine while filling their bank accounts abundantly.    Resources mentioned:    Take the Witchpreneur Quiz and discover which Feminine Magic is your Key to Financial Success. (https://bit.ly/witchpreneur-quiz)    Episode 352: Creating a Ripple Effect in Communities and Lives with Generosity with Cynthia Kersey at https://youtu.be/TOme6_IOvAI       Purchase Love-Based Feminine Marketing (https://tinyurl.com/ydmzb6qz)        Donation Page: https://donate.unstoppablefoundation.org/Empower    **Contact Janet Driver via Facebook or https://unstoppablefoundation.org/**     **Connect with Julie Foucht via Facebook (https://tinyurl.com/yeb82uuj) or email at https://juliefoucht.com/** 

Wholesome entertainment that deals authentically with real life and honors God can feel almost impossible to find. Where can Christian parents turn for stories that inspire, edify, and wrestle with tough issues—without sacrificing biblical truth? Catherine welcomes acclaimed author Felicia Ferguson, whose award-winning women’s fiction is making waves for all the right reasons. Felicia, who holds master’s degrees in health care administration and speech language pathology, writes novels featuring strong female characters who face trauma, tragedy, and real-world dilemmas—always anchored by Christian faith and ethical choices. Together, they discuss how fiction can model kingdom impact, spark empathy, and equip Christians of all ages to handle adversity with faith. Felicia Ferguson reveals the inspiration behind her latest works, including "When Secrets Come Calling" and "The Choices She Made." She shares how her own professional and personal experiences—like navigating the loss of a parent or working with dementia patients—inspire her realistic, hope-filled storylines. Key Insights & HighlightsWrestling with Trauma through Faith Felicia's characters don’t avoid pain or gloss over difficult situations—like sexual assault, family secrets, or dementia. Instead, they walk through the challenges, lean into God, and make decisions rooted in biblical principles. The Power of Redemptive Fiction As Catherine notes, many Christian entertainment options simply sanitize secular stories without offering real answers or hope. In contrast, Felicia Ferguson’s novels show what it looks like to grieve, heal, and find identity in Christ—even if life doesn’t tie up with a pretty bow. Identity Beyond Circumstance A recurring theme in the conversation is pursuing an identity rooted not in career, family roles, or past mistakes—but in being a beloved child of God. In Felicia’s words: "Who I am intrinsically is who God created me to be." Stories That Heal and Equip Whether it’s helping readers process trauma or showing how to biblically navigate hard conversations, Felicia Ferguson’s ultimate goal is kingdom impact: “I want my characters to have that same experience because...I don’t see that enough in the Christian market.” Real-Life Application Catherine and Felicia discuss how stories—whether on the page or in real life—can prepare us as parents to face giants, support our kids through hardships, and remind us that healing and hope are possible through Christ. Guest Bio Felicia Ferguson is an award-winning author with master’s degrees in Health Care Administration and Speech Language Pathology. After a decade in the Florida Panhandle and a career as a speech therapist, Felicia now writes full-time from Colorado. Her passion is crafting women’s fiction featuring strong female leads who confront trauma and tragedy using biblical principles. Felicia’s uniquely encouraging perspective blends professional expertise with a heartfelt desire for kingdom impact, both in fiction and in life. Episode Resources Felicia’s Website & Book Links "When Secrets Come Calling" "The Choices She Made" Catherine Segars Resources Do you and your children have wholesome models for processing trauma, wrestling with identity, and making faith-based decisions? In a culture that defines us by achievements, roles, or wounds, how can you point your family toward finding identity and hope in Christ? Tune in for encouragement, inspiration, and summer reading that truly makes a difference! Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

The end of this week finds the 3WHH crew in situ in Enna, up in the highlands of Sicily, visiting the University of Kore for a conference on, well, everything, though it is hard to tell since half the speakers are speaking in Italian and the rest of us are speaking in English. John Yoo's […]

The end of this week finds the 3WHH crew in situ in Enna, up in the highlands of Sicily, visiting the University of Kore for a conference on, well, everything, though it is hard to tell since half the speakers are speaking in Italian and the rest of us arenspeaking in English. John Yoo's incoming plane was delayed—again—but it gave us the prompt we needed to have in John place R.J. Pestritto, the Dean of graduate education at Hillsdale College, but above all one of the most treachant critics of the Progressive revolution of the early 20th century, and the insidious administrative state it birthed. If ever you want to throw down on Woodrow Wilson—and what sensible person doesn't?—R.J. is your man.For this episode we consider R.J.'s recent short monograph for the Claremont Institute's "Provocations" series, Government by the Unelected: How It Happened, and How It Might Be Tamed. Settle in with your favorite chianti for this one, as "D.J.—R.J" as I like to call him when he gets rolling on this subject, really gets rolling on this subject with us.For this episode, recorded in a hotel lobby with some visitors wandering by our "field recording studio (which included Michael McConnell listening in for some of it), we decided to keep the "authentic feel" of the background noise, in case you get to wondering.

After Uvalde, Texas bet big on safety with police in every school, but a new report suggests an unintended and very troubling side effect. The New York Times and the San Antonio Express-News reports thousands of incidents of officers tackling, pepper-spraying even tasering students for offenses that once would have meant a trip to the […] The post Probe says officers are tackling, pepper-spraying and tasering students in Texas schools appeared first on KUT & KUTX Studios -- Podcasts.

Rising hip hop influencer Cameron McCloud lets us in on his journey and his processPART ONE: Paul and Scott chat about a song that's getting a lot of hate online and consider how the internet has redefined how we hear music. PART TWO:  Our in-depth conversation with Cameron McCloudABOUT CAMERON McCLOUD Cure for Paranoia is the Dallas-based alternative hip hop collective fronted by Cameron McCloud. Crowned "Rap Group of the Year" by the Dallas Entertainment Awards in 2025 and "Artist of the Year" in 2026, the group's name came about following McCloud's diagnosis with bipolar depression and paranoid schizophrenia. Their breakthrough came when Erykah Badu's tapped them to perform at her birthday bash, and they have since shared bills with such artists as George Clinton, Nas, Ludacris, and Leon Bridges. The group was named NPR Tiny Desk Contest finalists three times in 2023, 2024, and 2025 before winning the contest in 2026. In addition to the success of their most recent EP, Work of Art, they've gained attention online thanks to Cameron's 2025 challenge to release an original verse every day on his social media channels. Tackling everything from mental health to social injustice, his rhymes earned a substantial following. Inspired by groups such as Outkast, The Roots, and a Tribe Called Quest, Cameron McCloud and Cure for Paranoia are rapidly gaining a major national audience.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Commencement season is here, and while we all love the tradition, let's be honest: a lot of graduation ceremonies are still operationally stuck in the 18th century. This week, Chase Rigby, CEO of Tassel, joins Mike Palmer to talk about what it actually takes to modernize the final milestone of the student lifecycle. Chase shares his path from teaching seventh-grade math and science with Teach For America to working as a product manager at Google, before ultimately using a search fund model to acquire Marching Order and evolve it into Tassel. We dig into why forward-thinking colleges are moving away from treating graduation as just a logistical headache and starting to view it as a strategic marketing and recruitment engine. Chase explains how Tassel is trying to upend the traditional business model by moving away from nickel-and-diming students with steep fees for their own achievement, and instead leveraging community gifting platforms that put money back in their pockets for rent or student debt. We also get into the tech side of things, discussing how they train AI models on a 20-year phonetic database to get broadcast-quality name pronunciations on stage, all while navigating the strict landscape of biometric privacy and user consent. It turns out getting that final touchpoint right pays massive dividends for lifelong alumni relations. Episode Timestamps: 00:00 - Chase's journey from Teach For America to product management at Google. 03:00 - Running a search fund and finding the graduation space with Marching Order. 05:30 - Shifting mindsets: Treating commencement as a strategic marketing and alumni recruitment tool. 09:00 - Turning graduation into a net-positive financial event for students via gifting. 12:30 - Blending digital software with real life to provide free graduation photos. 18:30 - How Tassel uses a 20-year phonetic database and AI to nail name pronunciation on stage. 21:30 - Tackling biometric privacy, user consent, and BIPA compliance. 28:30 - Scaling campus software point solutions and trends in the lower middle market. 32:30 - Final takeaways, looking out for Tassel at upcoming ceremonies, and closing shots. Subscribe to Trending in Education wherever you listen to podcasts to stay ahead of the curve on what's emerging across the changing landscape of education!

Despite all the advancements we have achieved globally in recent decades, as many as 750 million people still lack access to electricity. Tackling energy poverty requires far more than linking communities to an electric grid. Closing the massive disparity in opportunity for people around the world will require building energy abundance, not just access. Energy is prosperity, and one way to measure it is by the Modern Energy Minimum. Developed by the Energy for Growth Hub, this benchmark posits that a truly modern life requires at least 1,000 kilowatt-hours per person, per year—10 to 20 times the amount typically used to define electricity access.  Here at the Center on Global Energy Policy we're partnering with the Rockefeller Foundation to launch a High-Level Panel on Universal Energy Abundance. The panel is dedicated to providing decision-makers with the insights needed to drive industrialization, job creation, and broad-based prosperity across emerging economies.  So how can we develop and invest in energy infrastructure globally in a way that supports prosperity? What role should governments play? Do the right tools to improve access exist? And how do we navigate the tension between energy growth and climate policy?  Today on the show, Jason speaks with Katie Auth about energy's role in driving lasting economic change and why the modern energy minimum model could produce a meaningfully better standard of living in developing economies. Katie is the deputy executive director at the Energy for Growth Hub, which works to end poverty through sustainable development and climate resilience. She's also a non-resident fellow on US-Africa relations at the Carnegie Endowment for International Peace and a member of the Economic Advisory Council for the U.S. Millennium Challenge Corporation. Previously, she spent seven years at the U.S. Agency for International Development, including as senior development finance advisor and acting deputy coordinator of Power Africa. Credits: Hosted by Jason Bordoff and Bill Loveless. Produced by Mary Catherine O'Connor, Caroline Pitman, and Kyu Lee. Engineering by Gregory Vilfranc.  

The question comes up in almost every divorce: what happens to the house? It is usually one of the biggest assets of the marriage, one of the biggest debts, and one of the most emotionally loaded decisions people face. Wanting to keep the house and actually being able to keep the house are two very different things. This week Susan is bringing back one of the most downloaded archived conversations from the Divorce and Beyond library, a conversation with Tami Wollensak, licensed mortgage loan originator and Certified Divorce Lending Professional, walking through the real financial realities of keeping the marital home.  Together, Susan and Tami unpack what it actually takes to keep the house in a divorce, from refinancing challenges and equity buyouts to qualifying for a mortgage on a single income, the hidden costs of homeownership, and why making this decision without proper financial planning can create serious problems long after the ink is dry. Covered in this episode: Why wanting to keep the house and being able to keep the house are two very different things, and what a Certified Divorce Lending Professional can do to help close that gap How equity is calculated, why the purchase price is not the value, and what it means to buy out your spouse's share as part of the refinance Why maintenance, alimony, and child support do not automatically count as qualifying income and what lenders actually need to see How a missed mortgage payment can drop credit scores by hundreds of points and why "it was their responsibility" has never once removed a negative mark from a credit report Why getting a home inspection before finalizing your divorce agreement is one of the most overlooked and important steps you can take KEEPING THE HOUSE: WHAT YOU NEED TO KNOW BEFORE YOU SIGN Almost everyone walks into divorce negotiations with the same instinct: I want to keep the house. It is understandable. It is the family home. It is where the children have put their heads on pillows for years. But signing a settlement agreement without knowing whether you can actually execute it is not a successful negotiation. Some of the most important things to understand before you commit, are discussed in this episode: Know the fair market value of your home today, not the purchase price, and understand what the actual equity is and how it will be divided Understand that keeping the house means refinancing into your name alone, which means qualifying on your income alone, and your payment will be based on current market rates, not what you are paying today Work with a divorce mortgage professional early in the process, before the settlement agreement is signed, so you can generate real options rather than make decisions based on guesses Get a home inspection before finalizing the agreement, just as you would when buying a new home, so you know exactly what you are signing up for If your spouse agrees to stay on the mortgage temporarily, set up protections: require advance notice if a payment may be missed, and request a duplicate mortgage statement so you can monitor it yourself The goal is not to win the house. The goal is to make the decision that sets you up for the strongest future. Get the answers, both good and bad, and then decide. Referenced Episodes from the Archive: How to Get Your Act Together So that You Can Tackle Your Divorce with Alex Beattie of Divide & Thrive The Solution for Tackling the Divorce Detour with Storey Jones, Creator of dtour.life It's All About the House: What You Need to Think About Before You Decide to Keep It with Tami Wollensak ______________________________________________________________________ This Week's Sponsors:  Hello Divorce - Hello Divorce is a modern platform designed to support people before, during, and beyond divorce, providing legal information, tools, and access to professionals who help individuals navigate the process more thoughtfully. Resources created specifically for Divorce & Beyond listeners are available at HelloDivorce.com/Susan. Yumiyu - YUMIYU Jewelry is Susan's favorite source for meaningful, handcrafted jewelry designed to empower women and celebrate individuality. Each piece is made with care, using high-quality materials like real gold and vermeil, and is water-resistant, non-tarnish, and hypoallergenic. Explore their stunning collection at yumiyujewelry.com and find your perfect piece today! Be sure to use Code: “BEYOND” for 20% off! ______________________________________________________________________ This week's guest: Tami Wollensak Tami Wollensak is a Divorce Mortgage Specialist and VP Loan Consultant with New American Funding (NMLS #1963450), bringing over 30 years of experience in the mortgage industry. She specializes in helping individuals navigate one of the most overlooked and misunderstood aspects of divorce: what happens to the marital home. After going through her own divorce, Tami saw firsthand how financial decisions made during this time can have long lasting consequences. Today, she works closely with individuals, attorneys, and mediators to bridge the gap between divorce agreements and mortgage lending, ensuring that what is decided on paper can actually be executed in real life. Tami's approach is calm, strategic, and solution focused. She helps her clients understand their options clearly so they can move forward with confidence, whether that means keeping the home, selling it, or buying again in the future. She is the founder of Empowered Uncoupling, a platform dedicated to helping people transition from endings into new beginnings with clarity, confidence, and financial empowerment. For those navigating this decision now, Tami offers a simple starting point with her guide, Can I Keep the House?, along with a complimentary 15 minute consultation to help bring clarity to the next steps. Website https://www.empowereduncoupling.com Book a 15-Minute Consultation https://calendly.com/tamiwollensak/15min Ebook: Can I Keep the House? https://iwantthehouse.com YouTube https://www.youtube.com/@empowereduncoupling Instagram https://www.instagram.com/tamiwollensak LinkedIn https://www.linkedin.com/in/tamiwollensak ______________________________________________________________________ If This Episode Helped You Subscribe to Divorce & Beyond so you never miss an episode. Share it with someone who needs clear, reliable guidance right now. And if you have a moment, leaving a five-star review makes a real difference in helping this show reach the people who need it most. Follow Divorce & Beyond Website: divorceandbeyondpod.com Instagram: instagram.com/divorceandbeyondpod ______________________________________________________________________ About Our Host: Susan E. Guthrie, Esq. Susan E. Guthrie is one of the nation's leading family law and mediation attorneys, with more than 35 years of experience helping individuals navigate divorce with clarity and strategy. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker and trainer. Susan recently appeared as the featured expert on The Oprah Podcast and has been cited in The Wall Street Journal, Forbes, The Washington Post, NewsNation, and NBC Chicago Today, among others. As the creator and host of Divorce & Beyond, ranked in the top 1% of all podcasts worldwide with millions of downloads and an Apple Top 100 Self-Help designation, Susan brings together top legal and mental health experts to help listeners move through divorce and into what comes next. Learn more at https://divorceandbeyondpod.com/about Disclaimer: The commentary and opinions shared on this podcast are for informational and entertainment purposes only and do not constitute legal advice. Consult a licensed attorney in your state regarding your specific situation.