Podcasts about Timika

This week's guest, Ribke Ovide, is a volunteer at the the West Papua Office in Docklands. She has been living in Australia for the last couple of years, coming here on a scholarship to further her studies in aviation mechanics. Ribke hails from Timika in West Papua and speaks 4 languages. She was born in 200. Her faith is very important to her, as is her family, along with her dream to become an aviation aircraft mechanic. She has been working hard at it. Ribke has a moving story to tell and we were so pleased to meet her this week. Thank-you, Ribke. With your hard work and tenacity, you are sure to succeed. We wish you all the best.Join Ribke and friends at the West Papua Open Day on Sunday 14 April // 211/838 Collins St, Docklands // 1pm Lunch // 2pm Dr Jacob Rumbiak // 3pm Joe's Auctionwww.facebook.com/dfait.federalrepublicofwestpapuawww.instagram.com/westpapuawomensofficeLouise Byrne, Joe Toscano, Ribke Ovide and Tommy Latupeirissa in Studio One at 3CR.

Real people tell their stories about how the Star of Hope Mission has helped them change their lives and become productive members of society.

On this episode, the self-proclaimed sportsnista "Yakiri Thomas" spoke about ATL Hawks interview with Jalen Johnson , Simone Biles returns! WNBA Atlanta Dream crack losing streak with win over Washington Mystics, Lebron and Bronny, Zion Williamson and his nightmare continues, of also special guest GlamRUs Salon Suites Timika Gaten and so much more...Game On!

Night Caucus Court is back in session, this time with Judge Timika Lane! Judge Lane is a Philadelphia Court of Common Pleas judge running for Superior Court...oh and she's freaking amazing.

Writer Carlton Holden interviews Timika Bolton, who gives insight into fibromyalgia and how she lives with it. https://podcasters.spotify.com/pod/show/carlton-holden/subscribe

Tindakan Kriminalitas Menodai Keamanan Negara Oleh. Hisnan Nahling (Kontributor NarasiPost.Com) Voice over talent: Giriyani SS NarasiPost.Com-Lagi-Lagi peristiwa pembunuhan terjadi di lingkungan masyarakat. Sebuah fakta yang mengejutkan, peristiwa kriminalitas yakni pembunuhan dengan disertai mutilasi terjadi di Timika, Kabupaten Mimika Papua. Peristiwa ini bermula ketika para pelaku berpura-pura ingin menjual 20 senjata api. Sebanyak empat korban yang tertarik untuk membeli dan datang dengan membawa uang Rp250 juta. Namun, setibanya di lokasi para korban justru dibunuh dan dimutilasi. Tak hanya itu, uang para korban turut dibawa oleh pelaku pada Senin, 22 Agustus 2022. Saat ini, dua korban jenazah mutilasi telah ditemukan. Namun, dua lainnya masih dalam proses pencarian. Dua jenazah itu ditemukan di lokasi yang tidak berjauhan, yaitu di Sungai Kampung Pigapu Kabupaten Mimika pada 26 Agustus dan 27 Agustus 2022. Polda Papua menyebutkan motif pembunuhan dengan mutilasi kepada empat orang warga sipil tersebut adalah perampokan. Saat ini, polisi telah mengungkap pelaku pembunuhan dan mutilasi empat warga sipil di Mimika. Para pelaku berjumlah sembilan orang, tiga orang merupakan warga sipil, sedangkan enam di antaranya adalah anggota TNI. Dua dari enam anggota TNI tersebut merupakan seorang perwira berinisial Mayor HF dan Kapten DK, sementara empat orang lainnya berinisial Praka PR, Pratu RAS, Pratu RPC, dan Pratu R. Sembilan pelaku tersebut kini telah ditetapkan sebagai tersangka, para pelaku yang merupakan anggota TNI ditahan di penjara polisi militer Kodam atau Pangdam Cendrawasih. (Kompas.com, 30/08/22) Naskah selengkapnya: https://narasipost.com/2022/09/15/tindakan-kriminalitas-menodai-keamanan-negara/ Terimakasih buat kalian yang sudah mendengarkan podcast ini, Follow us on: instagram: http://instagram.com/narasipost Facebook: https://www.facebook.com/narasi.post.9 Fanpage: Https://www.facebook.com/pg/narasipostmedia/posts/ Twitter: Http://twitter.com/narasipost

Louis M. "D.D." Scarabin, Jr. takes us from the time he found out he's taking the job in Tembagapura, Indonesia through stories of Ross McCrimmon, who lost his wife over there, and the pilots of the F-27 that took workers and their families from Cairns, Australia to Timika. Bobby Means greeted the family at the airport and had Louis drive the treacherous roads of Irian Jaya. Louis also discusses his involvement with the Lupa Lelah Club including the Mardi Gras parades that started circa 1981. This is the first in a long series on Tembagapura years. --- Send in a voice message: https://anchor.fm/jason-scarabin/message Support this podcast: https://anchor.fm/jason-scarabin/support

Guest: Tamika Thrasher, Executive Director, Boys & Girls Club Frederick County Details: Boys & Girls Clubs of Maryland (BGCMD) today announced a 47% increase in youth served following the first year of funding from Project Bounce Back – an investment in youth development made by the State of Maryland under Governor Hogan.  Since receiving the funding, BGCMD has been able to reach and serve 16,168 youth at more than 70 Boys & Girls Club program locations across Maryland.  Additionally, the organization has added eight new Clubs in communities that previously did not have Clubs. Project Bounce Back was announced in May of 2021 and provided funding to help Maryland youth recover from the devastating impacts of the COVID-19 pandemic over three years.  Through the initiative, BGCMD received funds to expand youth development and positive mentorship programs, with a goal of reaching 45,000 youth every county by the end of year three.See omnystudio.com/listener for privacy information.

Karen looks into the struggle to get attention for missing Black women in America told from the perspectives of a family who experienced the tragedy. Erika Alexander hosted, produced, and co-wrote the podcast, which is out now on Audible.JOIN Knarrative/Knubia: https://www.knarrative.com/

In this episode, we talk to UCCRP Co-Leads, Timika Wilson and Kate Schoen. They discuss the process they underwent from learning of these atrocities through creating the project and erecting the markers. The project is sponsored by the Equal Justice Initiative (EJI) and they worked closely with them to develop and install two of the makers. The third was erected to honor the lives of twelve men who were lynched in 1871 by local members of the Ku Klux Klan in an event known as the Union Jail Raid and Massacre. It was a collaborative effort with the South Carolina Department of Archives and History's (SCDAH) State Historical Marker program and was funded by South Carolina Humanities. (Hosted by Jennifer Gunter) Timika M. Wilson, UCCRP Co-Lead (Union County, SC), Programming Committee Chair, and Fundraising Committee Chair (Interim) Kate Borchard Schoen, UCCRP Co-Lead (at large) and Equal Justice Initiative Coalition Liaison https://eji.org Facebook -- https://www.facebook.com/groups/UCCRP Union County Community Remembrance Project https://www.unioncountycrp.com

I connect with Timika Chambers whose mission is to increase compassion, healing, love and truth in the world through her writing and speaking. She shares how owning her truths about her childhood sexual abuse experiences led her out of the darkness and into the light. We discuss how we can embrace the storms or healing (residual emotions and feelings) related to my childhood sexual trauma to make a pathway for healing that is necessary, possible, and a process. Website: https://timikaschambers.com/. Download Five Spiritual Truths To Find Your Way Back HomePodcast: https://anchor.fm/timika-chambersTwitter: https://twitter.com/TimikaSChambersFacebook Group - Fulfill Your Purpose: https://www.facebook.com/timikaschambersInstagram: https://www.instagram.com/timikaschambers/---Support our show! If you'd like to make a donation in support of the podcast, go to http://bit.ly/beyondsurvivingpodcastdonation - all contributions will be applied towards funding scholarships, the running of donation based & free programs, & making sure that those reaching out for support get what they need.Support this show http://supporter.acast.com/beyond-surviving. See acast.com/privacy for privacy and opt-out information.

These are Black Life Coach Certification training tips from a Certified Black Life Coach and a Certified Black Life Coach Trainer on how I became a Black Certified Life Coach and how YOU can become a Certified Life Coach as a Black woman and grow your your future business as a Black Woman Certified Life Coach; Hosted by a Black Life Coach Trainer who is the Owner and Founder of an online Black Life Coach Certification Training company for Black Life Coach training, Black Life Coaching, and Black Life Coaches (Think of Black Life Coaches like: Andrieka J Austin, Iyanla Vanzant, Tony Gaskins, Stormy Wellington, Angel Richardson, Tomiko Lowry Pugh, Marshawn Evans, Shanel Cooper Sykes, Dr. Sonja Stribling, and Sara Jakes Roberts, Courtney Sanders) The International Center for Life Coach Certification, LLC offers an online 1 day Life Coach Certification training for Black women of faith, hosted by a Black Life Coach who is a Master Life Coach Trainer. Open enrollment is going on NOW. Visit www.blacklifecoachquiz.com and www.blacklifecoachcertification.com or Call 1-888-427-2013 --- Here are a few FREE resources to get you started: FREE Quiz: www.blacklifecoachquiz.com FREE Facebook Group: www.futureblacklifecoaches.com FREE YouTube Channel: www.blacklifecoachtv.com

Eps. 5 Indonesia Basket Festival di mulai hari ini di kota Timika cadanganers, rencananya akan bergulir di 5 kota. Ada Bali, Surabaya, Jogja, & Jakarta! Buat lo yang berusia 19-22 buruan daftar di kota masing-masing!!!  See omnystudio.com/listener for privacy information.

Today, we're joined by Timika Chambers. Timika is a thriving survivor – a lioness, as she describes herself. Timika was born in Memphis, Tennessee.  At the age of 4 ½, Timika's mother bought one-way bus tickets for herself and her three children – all under the age of 5 – to leave an abusive marriage. But for Timika, soon after, that journey turned into what she describes as, “the dark wilderness of sexual abuse by two family members.” Timika found purpose in healing herself and others through nursing, and then, even more-so, through writing. Today, Timika shares her story of finding purpose and healing with us. Timika holds a Master's degree as a Nurse Educator and a Bachelor of Science degree in Nursing, and has over 20 years experience in the healthcare industry. 

This is Why Courts Matter! We get to elect our highest justices in PA. Judge Lane is the ONLY candidate for superior court who has, ya know, been a judge! Us PA voters have one vote for Superior Court (and one for Supreme Court and TWO for Commonwealth Court. Judge Timika Lane (https://judgelane.com/) discusses her...

From cheeseburgers on the bench to selling her car for campaign funds to tossing a child on her hip during court, the lived experiences this woman has is everything you'd want in a judicial candidate. West Philly's own, Judge Timika Lane discusses her background and why she's the right candidate for Superior Court.

KPK Usut Peran Pemilik PT Jhonlin dalam Kasus Pengurusan Pajak | Polisi Usut Ratusan Butir Amunisi di Timika, Papua | PON 20 Papua, Dua Laga Penentu Semifinal Basket Digelar Hari Ini **Kami ingin mendengar saran dan komentar kamu terkait podcast yang baru saja kamu simak, melalui surel ke podcast@kbrprime.id

We back to yelling at villagers with pitchforks...yelling at our own people a bit edition. We discover that "when socialism comes there won't be no county fairs" and we talk with the smart, fun, and fantastic candidate for Superior Court, Judge Timika Lane. Events Vote to Protect Your Vote - A rally for our 2021 democratic candidates - LOTS of party and progressive sponsors - 3 to 5:30 September 26th 7051 thomas blvd Pittsburgh 2021 PA Latino Festival Sept 28-30, Reading

Timika spent 23 years in the public school system as a Teacher and Administrator. She started her own credit & finance education home-based business. As an Entrepreneur, she teaches, coach and empower people with less than perfect credit so they'll never be denied again. Timika has become favorably known as Ms. CREDucation."It doesn't matter who does it, just know it can get done" Timika Massey"I'm able to live much of my life on my terms because I've committed to making certain that my decisions both spiritually and fiscally are favorable and aligned with my personal evolve and helping others." Timika Massey"In this episode, we'll discuss:After working 23 years in the public school system as a Teacher and Administrator, why she decided to make the shift and start your own credit & finance education home-based businessThe importance for an individual to know what their credit score isThe frequency that someone should check their credit scoresSteps to take to ensure you're never denied credit againConnect with Timika at the following:email: 4thebestscore@gmail.comwebsite: UCESpp.net/TMassey1Facebook: https://www.facebook.com/timika.masseyInstagram: https://www.instagram.com/mscreducation/Connect with Tamika at the following:email address: tamikamctier@gmail.comFacebook: https://www.facebook.com/tamika.mctier/Instagram: https://www.instagram.com/_tamikamctier/  Looking for resources for marriage, finances and how to get started on your fitness journey? If you answered yes to any of these, grab your free resources now. https://tamikamctier.com/work-with/ Please rate and review the podcast. It really helps more people find me. I take time to read every message and appreciate your feedback and 5 star review. 

Hosts Dr. Renee Norris-Jones, Sandy Smith, and Herman Epperson. 7pm Thursday's 92.9FM WGGT Philadelphia & online @GTownRadio.com 2pm Saturday's 89.1FM Villanova's College Station Twitter: @QtheMicRadio Facebook: Q the Mic Radio Instagram: QMicRadio PODCASTS: https://qthemic.webs.com https://q-the-mic.pinecast.co Podcasts on iTunes, Google Play Music, TuneIn, Alexa, Spotify, Radio.com, iHeartRadio, & Pinecast And on G-town Radio/WGGT-LP 92.9, Philadelphia, Pennsylvania Executive Producer: Dr. Renee Norris-Jones Find out more at https://q-the-mic.pinecast.co This podcast is powered by Pinecast. Find out more at https://q-the-mic.pinecast.co This podcast is powered by Pinecast.

Siang Ini, Pelepasan Jenasah Kabinda Papua dari Timika ke Jakarta | Bentrok Penolakan Bendungan Bener, Komnas HAM Minta Polisi Persuasif | India Minta Twitter Hapus Konten yang Kritik Pemerintah Tangani Covid-19 *Kami ingin mendengar saran dan komentar kamu terkait podcast yang baru saja kamu simak, melalui surel ke podcast@kbrprime.id

Tonight's special guest is Timika Chambers from Portland, Oregon, a survivor of sexual abuse. Timika says, "For approximately five years, from ages 5-10, two male family members violated our relationship's boundaries by forcing and manipulating me to have sex with them. Throughout the sexual abuse, I continued to do the things many children do, such as play with friends and my toys and watch television. After the secret was out, many thoughts visited me, including feeling like trash, scared of men, and how I denied following the Voice within to tell." Timika's experience is not unusual. Many children suffer in silence, waiting it out. She goes on, "At the crossroads of what I do now, I chose to align myself with nature and develop a relationship with God. I consumed the King James Bible and learned the Lord's prayer. Jesus was my first superhero. In my 20's, I saw a therapist for one visit because I thought I had to. I feel blessed that God loves me and that I have my health and sanity. I want to help people find their healing path and live out their divine purpose in life. I am currently finishing up 'Bent Not Broken', a memoir outlining my healing process."

Eps. 68 Musim ini banyak sekali kejutan salah satunya merger nya NSH dengan club asal Timika yaitu Mountain Gold! Yuk kita tanyain persiapan mereka musim depan dan juga update Timnas muda alias Indonesia Patriots  See omnystudio.com/listener for privacy information.

Episode 3!!! In this episode, we are talking with Derrick Clark of Heir Clark LLC & Heir Clark Catering! We are discussing what it is to be a black owned business and facets of being a black business owner! We also discuss being consumers of black owned businesses! Check out this episode as we also feature out very own Zee who is a black business owner as well! Welcome to Reverse Happy Hour: Conversations on the Rocks! Where we will be discussing the Truth, Lies &Opinions facing our culture today! Crystal, Timika, Jacquice, Zee & Eris Jay! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Monologue Dr. Joel Wallach begins the show today discussing his theory of how electricity a decline in the health of Americans. Contending that once electricity was commonly used to heat and cook people stopped burning wood. Asserting that previously people put wood ash that was full of minerals in their gardens. The plants then sucked up the minerals and when people ate the plants they got minerals. Stating that most health challenges of today are due to mineral deficiencies. Pearls of Wisdom Doug Winfrey and Dr. Wallach discuss a news article regarding a study from Yale. Researchers divide 60 people into three groups. Group one received a drink with two packets of sucralose for 10 days. Group two got a drink with the equivalent of table sugar. Group three received a drink with sucralose and a carbohydrate called maltodextrin. The result was that group three experienced a decrease in insulin sensitivity. Groups one and two had no adverse health effects. Callers Timika is experiiencing adverse effects from some of the supplements and asks Doc for substitutes. Eathan has two questions the first is if he is old enough to be a Youngevity associate since he is only 17. Second he asks about his near sightedness. Julie has questions regarding a secondary melanoma. Vee's husband has several health challenges including chronic weight loss, tinnitis, type 2 diabetes and high blood pressure. Call Dr. Wallach's live radio program weekdays from noon until 1pm pacific time at 831-685-1080 or toll free at 888-379-2552.

Meet our Girlfriend TImika--- The Serial Dater! She shares what she’s learned from past relationships, being happy by herself, and gives tips on landing a date--- she’s the Queen of Dates:-)   Bonus: Timi and Ke give the formula to determine the longevity of your next romantic relationship!

Tiap Malam Ingat Kamu (TIMIKA) Sebuah program puisi tentang cinta dan Persahabatan. Dengarkan Streaming Radio Vicca Sera di alamat : - http://bit.ly/radiovs - https://anchor.fm/radio.viccasera #radioviccasera #radiomasakini

Tiap Malam Ingat Kamu (TIMIKA) Sebuah program puisi tentang cinta dan Persahabatan. Dengarkan Streaming Radio Vicca Sera di alamat : - http://bit.ly/radiovs - https://anchor.fm/radio.viccasera #radioviccasera #radiomasakini

Sebuah program puisi tentang cinta dan Persahabatan. Dengarkan Streaming Radio Vicca Sera di alamat : - http://bit.ly/radiovs - https://anchor.fm/radio.viccasera #radioviccasera #radiomasakini

Sebuah program puisi tentang cinta dan Persahabatan. Dengarkan Streaming Radio Vicca Sera di alamat : - http://bit.ly/radiovs - https://anchor.fm/radio.viccasera #radioviccasera #radiomasakini

Today in the guest chair we have a new edition of Side Hustle Pro—Side Hustle Spotlights! We are talking to a certified side hustler who is still a side hustler and we are going to find out how and why she got started, how she’s making it work, and squeeze all types of advice out of her. Her name is Timika Downes, she is a Nurse, who is pursuing financial independence by saving over 50% of her income with a family in tow, and she started a 6 figure side hustle when she opened her Lice Treatment Clinic in Boston.  She treats all races, all textures of hair, in this clinic. She also fun fact, has a blog and Podcast about the FIRE movement (which we will talk about in this episode) and she is one of my Podcast Moguls students. So excited to have you Timika in the guest chair. Listen on Apple Podcasts, Soundcloud, Stitcher This episode is brought to you by: Gusto. Gusto offers modern, easy payroll, benefits, and HR to small businesses across the country. Sign up and give it a try at Gusto.com/shp. Zola. To start your free wedding website and also get $50 off your registry, go toZOLA.com/sidehustle  Links mentioned on this episode The Reluctant Frugalist Pomodoro method Five Stars by Carmine Gallo Podcast Moguls Masterclass Click here to subscribe via RSS feed (non-iTunes feed): http://sidehustlepro.libsyn.com/rss Announcements If you’re looking for a community of supportive side hustlers who are all working to take our businesses to the next level, join us here: http://sidehustlepro.co/facebook Social Media Info Reluctant Frugalist - @thereluctantfrugalist Side Hustle Pro – @sidehustlepro #SideHustlePro

I’m excited and honored to bring you this roundtable discussion. I brought together some of the most notable and leading voices in the Financial Independence and personal finance space to discuss the wealth gap, privilege and the unique factors that people of color face in reaching Financial Freedom. The roundtable includes; Naseema from Financially Intentional, Carmen Perez from Make Real Cents, Timika from the House of FI Podcast & Julien and Kiersten from Rich & Regular.   We discuss: Lack of diversity in the messaging and why our stories need to be told Our thoughts on overall privilege and our own individual privileges Actionable steps people of color need to take to get ahead Getting the cheat code by investing in yourself and education plus so much more Join the Journeyer Launch Club for more tips, tools and resources to help you on your journey to Financial Freedom! Other related blog posts/links mentioned in this episode: Naseema’s first JTL interview Episode 16 Timika’s first JTL interview Episode 30 Julien & Kiersten’s first JTL interview - Episode 43 Black Fire series Part 1 & Part 2 Join The Journeyer Launch Club Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Carmen: Website Instagram: @makerealcents Twitter: @makerealcents Facebook: Make Real Cents   Connect with Timika: Reluctant Frugalist Website House of FI Instagram: @house_of_fi Facebook: House Of FI   Connect with Naseema: Website Instagram: @financiallyintentional Facebook: FinanciallyIntentionalBiz   Connect with Julien & Kiersten: Website Instagram: @richandregular Twitter: @richandregular Facebook: Rich and Regular   Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Become a member of the Journeyer Launch Club

Ever thought of starting a side hustle selling hair lice removal services? That's exactly what Timika came up with when she realised she wanted to make more money to retire early and take a sabbatical. She did the research, put up a bit of money and in her first year made 6 figures in sales. In 3 years she hopes to take her first sabbatical. You'll love her story. We also chat about... Timika's money journey How her divorce affected her finances Taking sabbaticals Her entrepreneurship journey starting a lice clinic Having the confidence in the value of what you're providing How you can start your own lice clinic business Enjoy this chat with Timika, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Blog: The Reluctant Frugalist Dave Ramsey Joshua Sheats - Radical Personal Finance ChooseFI Key takeaways from our chat with Timika 1 - Managing a business is about confidence Contrary to many other entrepreneurs, Timika wasn't a kid selling cookies and managing entrepreneurial ventures at a super young age. And yet, she is now managing a 6 figure business that is fast tracking her path to FI. She tells us that her biggest hurdle was confidence. She learnt to speak in front of people, to believe in her skills and deal with rejection. She now encourages her daughter to do the same, she now has her own Minecraft channel! 2 - You can set up your own lice clinic Although it may seem like an odd side hustle to have, Timika's thought process behind starting her own lice clinic makes a lot of sense. She only had to invest $25,000 to get it started - the price of a car - and the return was substantial. She went to a lot of other lice clinics to take note of profits and see how the system worked.. She also went to talk to other business owners and analyse their strategies and techniques. She did the numbers and the research, and now has a business making her good money. 3 - Consider a sabbatical Instead of trying to accumulate as much as she can to reach FI, Timika will be taking a sabbatical in 3 years. She's a school nurse, and her school allows her to take a year off and come back to the same position a year later. She says this a great time to be with the kids, and wants to take them out of school, do some travelling and homeschool them for a while. She wants to enjoy the moments with them and knows a sabbatical will allow her to do exactly that. How about taking a sabbatical and getting a taste of what FI would feel like? Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

On today's episode, Cody and Justin are joined by Timika Downes from The House of FI podcast to share her amazing journey. Her story involves marriage, divorce, children, military service, career changes, and six-figure side hustles. Her constant urge to better herself is truly remarkable and we think no matter what your journey is or where you are on it, this episode has something to offer for you. Time to go listen, comment and show us some love with those ratings.  Enjoy! Episode Summary Born to immigrant parents growing up in projects of Boston In the 5th grade, she was a part of a program where she began attending school in a much more affluent neighborhood When she got in high school, they moved to a two family home and began house-hacking Her parents instilled saving money but no deeper financial discussions She racked up about $94k in debt over the course of her three degrees Timika ended up with a Master’s in Accounting and a Nursing degree She talks about how she plans on handling her children’s education based on what she learned from her experience There was a discussion about a situation she was aware of where the parent’s had different payouts they would support their kid with based on how profitable the degree was they went after. She got married earlier on and they both made good money and bought a house but they never really managed their money or really worked their way out of debt or built wealth That marriage ended in divorce at age 30 and was a wake-up moment for her financially She also joined the military which greatly helped with her college debt She talks about the great experience the military was and her commitment was 1 weekend per month and a two or three week period every summer and she got a $50k bonus plus pay on those duty weekends. After being remarried and having a child, she realized she wasn’t going to stick around for 20 years and get retirement so she stepped away from the military. Once she got debt handled she started looking at side hustles and entrepreneurship Her first effort was for a breastfeeding product to help women feed at work Unfortunately, in the end, she realized the profit margins just weren’t good enough It did, however, teach her how to handle websites and social media campaigns Her recommendation is to spend your time before you spend your money when looking at a new business idea Then she found a very successful business venture in a head lice clinic She got the idea after going through a lice outbreak in a school she was working at as a school nurse Her clinic utilizes a machine that is leased through a University program that dehydrates the eggs of the lice You purchase rights to a region for the clinics and now the business is moving to a franchise model Lice Clinics of America is the organization she utilized to get started She also mentioned that there is a mobile version of the business people can get involved in now In her first year, the business made over $100k of revenue She continues her personal growth by starting a blog, podcast, and even taking coding classes Her tangible tip is to always look at a problem creatively and deliberately and realize that your journey to financial independence is a marathon and not a sprint Key Takeaways Paths aren't always marked: She ended up with three degrees which led to debt but it was part of the process for her to find her path. Some people are lucky enough to have a calling from the time they can talk and others need a little more exploration. Don't compare yourself to others, just focus on finding your path. Failure is our best teacher: This is one of the most reoccurring lessons I've ever seen with entrepreneurship. Timika didn't strike gold on the breastfeeding business in terms of revenue but the lessons she learned were priceless. Invest in yourself: I absolutely love her commitment to self-improvement.

Welcome to our first Side-Hustle Spotlight!!! The three principle vehicles to accelerate a person's path to Financial Independence are to find ways to save more, spend less and/or increase one's income. As all of our listeners are well aware, both Timika and I are big supporters of both the side-hustle and entrepreneurship. Whether it is a temporary side-hustle to pay off debt in a short period of time, creating a side business to grow into a full-time business or simply to work extra to infuse your retirement, each of these options are a great way to get you closer to your financial goals. Our guest spotlight is Jammie. She drives on the weekends for both Uber and Lyft and can earn anywhere between $325.00 to $900.00 a weekend depending on how many hours she works and bonuses for high demand days or times. Obviously, that is an incredible amount! How life changing would it be to your budget to have that type of influx of cash? Now, of course, these are one person's experiences and we cannot guarantee that you will earn the same amount we simply want to provide you with the experience of others so that you can explore options. In deciding whether or not becoming a driver is for you or not, Timika and I would like to point out a few considerations. PROS: Quick start-up Easy and quick payment Flexible Good earning potential Meeting people Tip potential Potential expense write-offs CONS/CONSIDERATIONS: Wear and tear on the vehicle Self-employed - all the ramifications of being self-employed Responsible for taxes Need a newer vehicle Strangers in your car/possible safety concerns This is not an exhaustive list - but some of the more apparent benefits and considerations. This site may contain affiliate links. Which in simple terms means that we may receive commissions for purchases made through the listed links. TRACKING MILEAGE: There are many apps available to track mileage while you drive. The Lyft and Uber apps track the miles for actual passenger rides; however, if you want to track the total amount you are driving, you can also use your own APP. These typically run in the background and are very user-friendly. One Wendy recommends is MILE IQ, which you can get by clicking HERE. SIGN-UP HERE READY TO DRIVE? Follow the links below to get started. The process is fairly simple. You will typically have to upload via your phone or computer: your driver's license insurance vehicle registration agree to a background check sometimes have your vehicle pass a safety inspection sometimes and in-person orientation I AM READY TO DRIVE! SIGN ME UP! OTHER OPTIONS: Timika recently wrote a review for Zemcar, which helps parents safely transport their children. It's just one more option if you are thinking about driving.   Are you currently driving for another service? WE WANT TO HEAR FROM YOU! CLICK THE LEAVE A VOICEMAIL LINK AND ANSWER A FEW QUESTIONS HERE.

Hello House of FI Family! Originally, our side-hustle spotlight was going to air today. But sadly, Wendy's mom passed away after a long hard-fought illness. She was treasured and will be greatly missed. Due to Wendy having to travel to Oregon to be with her dad and speak at her mom's funeral, we have lost some production time. So we were not able to get today's show out. Wednesday shows will not be affected and we promise to get our Friday show back up as soon as we can. Thank you for understanding! Wendy and Timika

“It’s a business with training wheels,” Timika told me. Timika Downes is a school nurse by day but was looking for ways to add income after hours, and ended up licensing someone else’s business idea. Her side hustle is a lice clinic; a brick-and-mortar facility that helps parents and kids get rid of lice. Not the most glamorous niche in the world, but Timika’s clinic did 6-figures in her first year, all on the side from her day job, and it now runs with little time investment from her. The lice clinic is actually just one of several side hustles Timika has going on – she also co-hosts the House of FI podcast, blogs at ReluctantFrugalist.com, and she has 3 kids. Her story is an interesting one. It highlights the differences between licensing and franchising a business, and Timika explains how you can leverage the support of a licensing company to get a business off the ground quickly. Tune in to hear how Timika evaluated the risks and benefits of the licensing opportunity, how she drives business, and how she’s set this up to be a hands-off 6-figure business.

THAT'S A WRAP! HOUSE OF FI 2018 A END OF THE YEAR REVIEW What an incredible year it has been. We started a podcast ya'all! We can barely believe it ourselves. What motivated two busy moms, with nine kids between them, with no training or experience to step outside their comfort zone? Well, we both saw a need. We saw a void in the FIRE movement. What we saw lacking was a voice and sufficient resources for moms and dads who were on their journey to FI. But not just traditional moms an dads - the full spectrum of parenthood. So we decided to do something about it! We launched our show in August of 2018, but prior to launching there were eight months of preparation behind the scenes. Not just interviewing people, but learning equipment, working out kinks, figuring out how to edit. It was more work than we could have ever anticipated, which was probably a good thing, because had we know the level of difficulty when we started, we may never have begun. Our Vision Some of you may not know this, but we did all of this while getting to know one another. Timika and I were strangers one year ago. We knew each other's names from a common facebook group, but that was the extent of it. But there was a common desire - we wanted to help others and it was this common ground that has been fertile soil for not just this podcast partnership, but an amazing friendship. We Could Not Have Done This Without You! We have had some great guests on the show. They have been so gracious in agreeing to come on a show that was growing. Without them, there would be no show. So, to all of our guests, many who have become fast friends, we send a big HUGE virtual hug. We love you guys and are so thankful to know you. Your money advice has been incredible...here are some of the highlights. 10 BEST Money Lessons of 2018 And to our listeners...you are simply the BEST. You have helped us grow and have truly humbled us. We seriously began this journey having NO IDEA what we were doing. But, we knew there was a need and we knew that as two busy moms, with careers, and all the stuff that comes with running a household - that if we could bring on guests that would help OUR financial independence journey - they would help yours too! So, thank you for stopping by our house; we're glad you were here. Our house is your house. Top 100....whaaaat?!?! Because of your support, we have reached some pretty big goals. TOP 20% OF ALL PODCASTS. (Whaaat! That is just amazing guys.) We have been in the top 100 of two of our categories, business and investing several  times Our weekly listeners have grown more than 10 times since we first started We reached 11,000 downloads in November in record time ....we can't wait to update you when we reach 25,000. Our commitment to you is to continue to bring on guests that serve your needs and to provide inspiration and practical tools to blow your 2019 Money Goals out of the water! We'd love to help you do that... If you would like to be part of our 2019 Money Coaching Program, shoot us a PM on Facebook, email us at info@houseoffi.com, or send us a message via our contact page and simply let us know you want in! We are taking pre-registrations now.   https://houseoffi.com/contact/ 2018 LISTENER READS One of our favorite questions we have asked our listeners this year is to ask what they are reading. Who doesn’t love a good read, right? Especially this time of year when we can cozy up under a blanket.   You would think a bunch of Money Nerds would only be reading a bunch of financial books, WRONG. Lots of interesting picks in the mix, including a couple written by our amazing guests. The Hole in Our Gospel Profit First Total Money Makeover Ask Cruise Confidential Money Letters 2 My Daughter Spinning Silver Naked and Unashamed Wendy and Timika Have Their Own Picks Becoming by Michelle Obama Girl Wash Your Face by Rachel Hollis Profit First and, The Next Millionaire Next Door IT'S BEEN AN AMAZING YEAR!  WE CANNOT WAIT TO SEE WHAT 2019 BRINGS!

Less than two years ago Timika, searching for a profitable side-hustle as a means to increase her income, came upon Lice Clinics of America as an option.  Since opening this brick and mortar business, she has grown it into a six-figure business that has helped her and her family get closer to their Financial Independence Goals.  Recently, Timika appeared on the Choose FI Podcast Episode 102 to share all about her business. Well, that episode was very well received and resulted in a ton of great questions from our guests that wanted to know more.  We couldn't leave them unanswered!  In this Bonus Episode, Wendy asks Timika some of the questions asked by our listeners. We hope you enjoyed this special episode.  If you have additional questions, please go to our website and click on the "Send Voicemail" button on the right hand side.   

102R | Brad and Jonathan explain the long-term tax benefits of using a Health Savings Account to pay for medical expenses, discuss the benefits of new index fund investing options, review Monday’s episode with Timika Downes.   Brad and Jonathan are getting back to traditional health insurance, and excited about the Health Savings Account (HSA). Most companies offer health insurance options, typically including: Low monthly premium + high deductible High(er) monthly premium + low(er) deductible. The IRS defines a high deductible plan as anything higher than $1,350 for an individual, or $2,700 for a family. Employees with high deductible plans have access to an HSA (eligible accounts). An FSA (Flex Savings Account) is a reloadable account, that is primarily use-it or lose-it Putting money in an HSA is tax free, and rolls over to future years, and drawing it out for medical purposes is tax free. 2018 HSA contribution limits: $3,450 for individuals $6,900 for families After 65, if you have unused money in your HSA, you can draw it out like a traditional IRA and just pay your normal tax. Brad intends to save his receipts and wait to be reimbursed until later, as HSAs will earn interest the same as any investment account. ChooseFI community members recommend Lively or Fidelity. Review of Monday’s episode with Timika – similar concepts and action points as the recommendations from Alan in the Side Hustle Coaching Series. You don’t need permission: just take action. Dan writes in to report that he’s reached FI! ChooseFI has listeners across the globe – although not all the tax and investment information are relevant to international listeners, the lifestyle conversations are. Brad and Jonathan highly recommend Vanguard because they have low fees, which means investors keep more of their returns. In last few months, Fidelity began offering zero-fee funds and Vanguard has lowered its minimum investment from $10k to $3k for several funds. Investments abroad can have very high fees. Zero fees are not the only thing to consider when picking accounts: tax efficiency is very important as well.   Links: Vanguard Ratchets Up Index-Fund Price Battle

102 | Blogger and podcaster Tamika Downes reveals how she went from $94K of debt to owning a six-figure income-earning side hustle while continuing her job as a school nurse and raising three children. Timika’s early financial experiences came through immigrant parents, from Barbados, hustling and saving. Having a side hustle was common place in Timika’s family. Despite her family’s habit of saving, Timika finished her education with $94K of debt. After her undergraduate Timika had $24K in debt. Student loans for her master’s cost $35K A second, nursing degree, cost another $30K Choosing to pursue something that you’re not quite ready for can often lead someone to pay more than necessary. Nursing degrees don’t have to cost $30K; immediately after high school students can become qualified Certified Nursing Assistants (CNAs) working in hospitals or nursing homes while starting at a community college and finishing through a bridge program at a 4-year school. Nursing is a trade; find the most efficient way to get qualified. Many universities offer tuition assistant to the children of faculty/staff, often including tuition at other universities. What options did Timika consider in order to decrease her student loan debt? Timika’s mindset changed when she started to own her life circumstances; taking responsibility for her finances was a natural result. Instead of buying a $20K car, Timika bought a $20K business – a lice clinic. Timika spoke with out-of-state clinic owners and did her homework before deciding to invest in the set up for her clinic. Since opening the business, Timika has increased her talentstack to include: Securing a business lease Blogging Website management Business finance management Timika went to coding bootcamp, for 75% discount as a female minority. The lice clinic is now almost passive income: Timika only devotes three hours a week and has hired employees who manage the rest.   Links: House of FI Reluctant Frugalist Saving Sherpa The Road to Retirement: (Re)Learning to Love Work For more information, visit the show notes at https://ChooseFI.com/102

Co-hosts of House of FI podcast join us to explore a simpler path to wealth, shifting our awareness and mindfulness from the pursuit of more stuff to the pursuit of financial freedom. There’s one thing we know for sure. We put our time, energy, and our money towards the things that we value. But what happens when our values are incongruent with our consumption behaviors, placing us in danger of missing out on the freedom associated with living the life of our dreams? Here to help us explore the intersection between the KonMari Lifestyle and Financial Independence are co-hosts of the House of FI podcast - Wendy and Timika. House of FI helps families who dream of retiring early, but are unsure how to do so AND raise a family, figure out a plan. Their guests share their journey to financial independence, early retirement, and debt freedom. We want to hear from you! Tell us your burning tidying questions or share stories about how KonMari has impacted your life. Find us at www.sparkjoypodcast.com and click “Ask Spark Joy” to leave a question or comment for a chance to be featured on next week’s show. While you’re there, sign-up to join our Spark Joy podcast community and get notified when each episode airs. You can also join the Spark Joy podcast community on Facebook, Instagram or Twitter at the handle @sparkjoypodcast. In this episode, you’ll enjoy: - The true definition of Financial Independence (FI) or Financial Independence Retirement (FIRE) - What led Wendy and Timika to start down the path to FI - Common myths and misconceptions associated with FI - Timika's marathon KonMari tidying experience with Kristyn and how it relates to her financial journey - The "eels" that attach to us, as mentioned on John Roderick's podcast - The end goal: How do you know when you've reached FI? - How influencers such as Mr. Money Mustache or The Dough Roller have calculated fees associated with actively managed retire accounts - How to the get over the getting started hurdle when it comes to FI - The importance of using a tool like Personal Capital to track and manage your net worth - How the FI community handles healthcare coverage - The importance of taking and celebrating the small steps - Podcast's that House of FI recommended to extend your FI community: Journey to Launch and ChooseFI Wendy's favorite FI tip: Tracking your fixed and discretionary expenses Timika's favorite FI tip: Wendy's meal planning tips; Refinance your mortgage to a lower rate when appropriate to free up money for debt pay off; Get a roommate, move from a single family home to a multi to generate rental income, or buy a car that's not brand new. Use travel credit cards to generate reward points. What sparks joy for Wendy: Launching House of FI! What sparks joy for Wendy: Launching House of FI!! To hear more from House of Fi, check out their podcast via houseoffi.com or connect with them on Facebook. After catching up on their latest episodes, leave a review of House of FI on iTunes for a chance to win a copy of Kids Money Habits by Amy Koit. Gems: - "...essentially, setting yourself up so you're in a position to have choices." - "People are also beginning to think more about how to optimize their lives so they can do more things that bring them joy on a regular basis." - "The idea that you have to be extremely frugal to the point of deprivation is one myth." - "When you add it all up, you see the huge mound of money that's exiting your bank account; just like I saw the huge mound of clothes that my three year old climbed on top of when we put it all in one place and went through it one by one." - "What is it that you're doing this for? What are you going to retire to? What does financial independence look like?" - "It's really being more intentional about our money...the balancing of each financial decision..really sticking to the goal." - "Don't be an island. Make sure that you're connected with other people and a community." You can find Karin Socci at The Serene Home You can find Kristyn Ivey at For the Love of Tidy Special Guest: House of FI.

Couples and Finances   It’s not always easy to get two people on the same financial page. Timika and I can attest, with our own husbands it took a significant amount of time leading by example before getting each of them to come around and see the "FI light".   Each couple has their own unique set of challenges to work through when it comes to finances, but when the work is done, the rewards can be magnificent. Knowing the unique challenges of marital finances, we just had to find an expert to speak to our House of FI family.  We found the information you need in our interview with Ericka Young. Who is Ericka Young When Ericka Young and her husband began their marital journey, they blindly followed the usual path through college debt, first jobs and new home purchases.  This faulty path led them to a place where they were feeling overburdened by their debt and completely out of control in their spending. With some prodding from her husband, Ericka decided enough was enough, and she got to work learning all that she could about personal finance.  She soon realized she had found her calling, and she became a Certified Financial Coach.     Today, Ericka is a speaker, an author, a business owner, a financial coach and a mother!  She has blessed us with so much information aimed at helping us tackle the areas of budgeting, side hustling, kids, college and working together as a family to reach financial independence.   It’s not often that a person with such success and expertise is willing to openly share the information so candidly.   Topics We Talked About Ericka’s New Book Naked and Unashamed is Ericka’s informative book that leads couples through forming budgets and overhauling their financial situations. Ericka hired a writing coach to help her overcome her hesitations about writing this book, and the results are well worth the leap of faith.  In the book Ericka moves through various stages of financial development, and leads readers on a journey that includes an exploration of their money past, and their money future.   Ericka’s Thoughts on Starting a business   When is the best time to start a side hustle?  Ericka says “right now!” We were able to go over some of the interesting ways that Ericka was able to start her own business without spending much money at all.     Ericka’s College Hacks   We are all wondering how we will overcome college costs when the time comes, so we were excited to speak with Ericka about her daughter’s recent departure to college.  Ericka and her husband were able to talk their daughter through the process of making a wise financial choice for her Undergraduate University. Ericka talks to us about college costs, and various life hacks that she was able to capitalize on in order to help her daughter secure a full scholarship!!  You HAVE to listen to this cool tip!   Ericka’s Answers to Our Final Questions Money Lessons   Always have cash on hand (thanks to her grandfather’s teachings).  The cash will keep you out of the debt that will rob you of your financial future. Life Hacks for Parents With the high price of college, and with spending money on our kids for 18 years, college has to be something that we approach with wisdom and forethought.  You do not have to pay for college, especially if you still have debt and still need to save for your own future. Sharing a nanny  is another way to cut the high cost of child care, one client is saving $400 per month by doing this! To put this savings amount into perspective, $400 could fund $4800 of an IRA! Find Ericka   Ericka offers many services including coaching calls in 30 minutes increments,  a free download ebook called “Tailor Made Teens” that’s ready for you to download and read, and she has her book, Naked and Unashamed.  You can also contact her directly at ericka@tailormadebudgets.com   Stay Tuned For Our Next Episode…   Join us in the next episode when Grumpus Maximus of the GrumpusMaximus blog shares his in depth knowledge about pensions, military benefits.  We also dive deep into steps to staying at a job even when you don’t want to!  This is a show you want to listen to - Grumpus shared from the heart!   What was one thing you learned by listening to Ericka? Let us know in the comment section below or continue the discussion in Our Facebook Group!   Please take a moment to subscribe to the podcast via iTunes or Stitcher so you don’t miss the next episode! While you’re at it, give us a rating and Tweet the podcast to your friends. If you’d like to be a guest on the show, please contact us on HouseOfFi.com

Welcome House of FI Family! We are glad you are here. Did you know its been just about 2 months since we launched?  Timika and I are ecstatic by the support we have received and by how gracious our amazing guests have been by coming on the show with these two chicks that are learning how to do this on the go!  It's been a whirlwind...So Timika and I agreed it might be a good time to press pause, and let everyone catch up.  We recognize that in several of the interviews we are mentioning concepts and investment vehicles that not everyone may be familiar with.  Our mission is to help ALL families reach independence and that means we are trying to be intentional about making our content inclusive.  Our show is for EVERYONE, no matter if you are just now learning about the FI movement or you are an "OG" in the FI world - we've got you! We are also excited to announce we are taking pre-registration for our 4-week Save More Spend Less Challenge. If you want to be in our 4-week Save More Spend Less Challenge hop on over to our FB page.  It's totally free.  It will be a "bootcamp" style challenge and we will be coaching each of you to create and hit your saving and spending goal to get you that much close to FI. https://www.facebook.com/Houseoffi/ Helpful Links: During the show we mentioned we would link to some additional sites that might be helpful to you - they are listed below:  Rule of 72: https://reluctantfrugalist.com/savings-the-simple-rule-of-72/ 4% Rule:  https://www.madfientist.com/safe-withdrawal-rate/ Retirement Account Overviews:  https://www.thebalance.com/types-of-retirement-plans-2894324 http://www.millionaireeducator.com/2017/09/7-reasons-to-love-your-457-plan.html   Helpful Episodes:  Travel Hacking:  Episode 9 With Cody Berman   Future Episode with Amon and Christina - stay tuned! Debt Payoff:  Mr. Money Mustache - Your Debt is An Emergency Debt Snowball vs. Debt Avalanche Increasing Income:  Episode 4 - Naseema McElroy Episode 7 - Kristyn Ivey Future Episode with Ericka Young - stay tuned!   Thank you for listening!  If you have enjoyed the show don't forget to leave us a review on iTunes.  It's the only way they know we are doing a good job.  If you do, you will get a chance to win our current read.  Don't forget to message us and let us know you have left a review so we know how to get the winner their copy.  Message us at info@houseoffi.com or via FB our our website contact page.  Thank you for listening! We are glad your were here.   

Learn how Timika paid off $90k in student loan debt and how her six-figure side-hustle is helping her reach FI exponentially faster! Considering side-hustles?  Perhaps becoming a business owner is for you too.  You'll also learn some of the optimization strategies she uses as a busy mom on the road to financial independence.    Leave us a review to be entered into a drawing for our current Favorite Read:  Kids Money Habits, Amy Koit *to be eligible for the drawing, you must also email us a quick message of the screen name you used to leave a review. 

Welcome to House of FI!  We are so glad you are here.  In this very brief introduction episode your hosts, Wendy and Timika, tell you a little bit about themselves and how this podcast aims to helps families on the journey to Financial Independence.   Listen in next week as we begin to dig deeper into each of their lives. They will both share more about their Financial Independence journey and how they found the this amazing community.  We welcome your feedback.  Please leave us a review on iTunes/Apple Podcast or wherever you happen to be listening.  To show our appreciation, for every 5 listeners who leave a review we will give that listener a copy of our current Favorite Read, Amy Koit's, Kids Money Habits.  Don't forget to send us an email with the screen name you used to write your review so you name can be entered.   Our website is houseoffi.com  Our email address is info@houseoffi.com 

If you’re someone looking for ways to increase your income so that you can reach your financial goals, starting your own business has probably has crossed your mind once or twice. Not only will a business become an asset but it can become an integral step in helping you reach Financial Independence. Timika Downes talks about her journey to starting a lice clinic as a side hustle in addition to working her full-time job as a nurse. Now, her lice clinic makes 6 figures a year and has afforded her a life of options and more freedom. This is an inspiring interview for anyone who wants to increase their income and start a side hustle. Here are the main topics we cover in this episode: Timika’s background Her job How she grew up frugal The importance of saving Her lightbulb moment The methods she used to pay off debt quickly How she became intentional about paying off debt Her next step towards FI Her mission to save as much as possible How she decided what she wanted from life Why FI is about having options Her business Her path to different businesses How she started her lice clinic How she built a business within her means The importance of validating a business idea Plus we talk about so much more! Other related blog posts/links mentioned in this episode: ChooseFI Facebook group Dave Ramsey Mad Fientist Radical Personal Finance Leave me a voicemail- Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services - Get my personalized 1on1 money coaching expertise to help you reach your financial goals Connect with Timika: Timika's blog -The Reluctant Frugalist Connect with me: Journey To Launch Instagram Journey To Launch Twitter Journey To Launch Facebook Page Join the private Facebook Group

Happy Thanksgiving Day! Join New Zealand Broadcaster, Stu Frith and Journalist Victoria Gaither as they speak with Timika Watkins who is enjoying turkey dinner in Dayton Beach, FL, USA with her family. Timika a supporter of ICR, shared her memories of this day of giving thanks. Listen to Stu and Victoria http://myradiostream.com/icradionews