Podcast appearances and mentions of west milford

In this episode, we chat with the incredible Maria Zieja, ultra-runner and long-time member of the Sassquad Trail Running family. Maria takes us through her journey from obstacle course racing to trail and ultra-running. She shares squatchtastic stories from the 36-hour event at the Wild Goose Trail Festival, giving us a behind-the-scenes look at the highs, the lows, and the strategies that kept her moving… Spoiler: it's all about determination and a little bit of trail After 15 years in the classroom and a master's degree in education, she found herself burnt out and searching for a new path. Maria shares about how she took the leap to leave the traditional classroom behind and became a certified nature-based educator. Now, she spends her days inspiring kids to learn and grow outside at Sensory Garden and Play in West Milford, NJ. With her Level 1 certification from the Association for Nature-Based Education (and Level 2 on the way), Maria is on a mission to turn nature into the ultimate classroom.Maria's passion for the outdoors is contagious as she talks about the magic that happens when kids get outside every day. From building confidence to boosting creativity, she's seen firsthand how nature can transform young lives.Want to learn more about the amazing work Maria is doing? Check out Sensory Garden and Play.

We're on a highway to..haunted roads! This week, we talk about a handful of allegedly haunted roads. In this likely first installment, we discuss the following four potentially haunted roads:Dice Road in MichiganRoute 2A in Vermont, Uristock CountyProspector Road in Garden Valley, CaliforniaClinton Road in West Milford, New JerseyMake sure to check out the new podcast SIGHTINGS. Tune in each week for new episodes on Apple Podcasts, Spotify, or wherever you listen to podcasts.Patreon: Support Believing the Bizarre and get tons of extra content by joining our Patreon.For updates, news, and extra content, follow Believing the Bizarre on social media:InstagramFacebookTwitterDiscordShop Merch: You can rep Believing the Bizarre and buy some unique merch

St. Joseph's in West Milford and St. John the Baptist (now Sacred Heart) in Trenton nurtured the faith in its infancy in New Jersey. Among their parishioners were ironworkers, a ferryman, and a noodle maker. ("Cradles of Catholicism" series, no. 28, New Jersey)

This week, I am joined by artist and musician, Brian Fitzpatrick. Brian and I share a mutual friend in Scott Dorey, who was previously on the show. I had a blast listening to Brian's story, which includes his love for music, art, Jiu Jitsu, and life. Brian's love for art and music began at the age of 5, when he would use his mother's records to design his own band logos. Brian followed through with his passion by performing in bands, designing art for TV networks, and training in the art of Jiu Jitsu. What I love about Brian's story is his desire to grow and succeed. Brian is the lead singer in his own band named Brian Fitzpatrick and the Band of Brothers, which you can find on Spotify, YouTube, Facebook, and in person. The band currently performs in bars local to New Jersey, so if you are in the West Milford area, check them out! Please enjoy the show!

You can find all of our wonderful links, including patreon, on the linktree: https://linktr.ee/allts   Clinton Road in West Milford, New Jersey, is notorious for its eerie atmosphere and numerous urban legends. Several strange occurrences and tales contribute to its reputation: Ghost Stories: The Ghost Boy at the Bridge: One of the most famous legends involves a young boy who supposedly drowned under a bridge on Clinton Road. According to the tale, if you throw a coin into the water, the boy will throw it back. Phantom Truck: Many have reported seeing a menacing, ghostly truck that appears out of nowhere, chases drivers, and then vanishes without a trace. The Cross Castle: Remains of a stone structure known as the Cross Castle attract attention. Built in 1905 by Richard Cross, the castle fell into disrepair after a fire. It's now linked with rumors of satanic rituals and ghost sightings, adding to the road's creepy lore. Strange Creatures: There are numerous reports of strange, possibly supernatural creatures in the area, including sightings of the Jersey Devil and large, unidentified animals. The dense forest and lack of light at night contribute to these eerie experiences. Dangerous Curves and Remote Location: Clinton Road is known for its sharp turns and remote stretches, which can be disorienting and frightening, especially at night. The sense of isolation heightens the fear of encountering something supernatural. Historical Crimes: The road has a darker history tied to crime. There are stories of mobsters dumping bodies in the area during the mid-20th century. In 1983, a cyclist discovered a body, which led to the arrest and conviction of Richard Kuklinski, a notorious contract killer known as "The Iceman." Kanin's Curve: Named after a young girl who supposedly crashed and died at the spot, Kanin's Curve is another area where people report feeling an eerie presence and experiencing unexplained phenomena. Clinton Road's combination of documented crime history, urban legends, and reports of paranormal activity make it a focal point for those interested in the supernatural and mysterious.

Clinton Road - a desolate stretch in West Milford, New Jersey, shrouded in mystery and dread, where phantom vehicles tailgate unsuspecting drivers before vanishing into thin air. It's a place where eerie apparitions and ghostly encounters are commonplace, casting an ominous shadow over anyone who dares to travel its dark, winding path. Discover more TERRIFYING podcasts at http://eeriecast.com/ Follow Carman Carrion!  https://www.facebook.com/carman.carrion.9/ https://www.instagram.com/carmancarrion/?hl=en https://twitter.com/CarmanCarrion Subscribe to Spotify! https://open.spotify.com/show/0uiX155WEJnN7QVRfo3aQY Please Review Us on iTunes! https://podcasts.apple.com/us/podcast/freaky-folklore/id1550361184 Music and sound effects used in the Destination Terror Podcast have or may have been provided/created by:  CO.AG: https://www.youtube.com/channel/UCcavSftXHgxLBWwLDm_bNvA Myuu: https://www.youtube.com/channel/UCiSKnkKCKAQVxMUWpZQobuQ Jinglepunks: https://jinglepunks.com/ Epidemic Sound: https://www.epidemicsound.com/ Kevin MacLeod: http://incompetech.com/ Dark Music: https://soundcloud.com/darknessprevailspodcast Soundstripe: http Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hello there!Ensuring rigorous food safety standards is crucial for maintaining the health and well-being of pets and upholding the integrity of the pet food industry. In this episode of The Pet Food Science Podcast Show, Scott Hawks, Senior Food Safety and Regulatory Consultant, discusses critical aspects of food safety in the pet food industry. Scott shares his extensive experience, covering topics like sampling methodologies, hazard analysis, and managing contamination risks. Listen now to understand the nuances of food safety and improve pet food manufacturing processes on all major platforms."I think you're going to see more interest in chemical hazards coming in the next 5 to 10 years."Meet the guest: Scott Hawks is a Senior Food Safety and Regulatory Consultant based in West Milford, New Jersey. With over 30 years of experience in the food industry, Scott deeply understands dairy, protein, analytical chemistry, and food microbiology. He is HACCP Certified and has extensive experience auditing HACCP and GMP programs. Scott has worked with leading companies like Tata Global Beverages and WellPet, ensuring compliance with food safety standards.What will you learn:(00:00) Highlight(01:21) Introduction(08:21) Combining Safety and Profitability(17:47) Importance of Validation and Sampling(25:21) USDA Guidelines and Sampling Tools(32:47) Risks in Pet Food Manufacturing(37:29) Mycotoxins in the Supply Chain(49:01) Importance of Hazard Analysis(50:41) Final ThoughtsThe Pet Food Science Podcast Show is trusted and supported by innovative companies like:* Trouw Nutrition* Kemin- ICC- ProAmpac- ADM- Biorigin- Innovafeed- Corbion- AluraAre you ready to unleash the podcasting potential of your company? wisenetix.co/custom-podcast

Ekstremalna Droga Krzyżowa, znana bardziej pod skrótem EDK powstała w 2009 roku, w Krakowie z inicjatywny ks. Jacka Stryczka - miała pomóc mężczyznom w dojrzewaniu w swojej męskości. Szybko jednak przekształciła się w coś więcej, w metodę i sposób na zmianę życia i rozwój duchowy.Tegoroczna, 16. edycja Ekstremalnej Drogi Krzyżowej będzie kroczyć wraz z Janem Pawłem II i jego słowami „Musicie od siebie wymagać”, a rozważania czternastu stacji to opowieść o Jego życiu, jego przemianie od małego Karola do Wielkiego Świętego.Około 100 tys. osób w Polsce i w 20, innych krajach przemierza - nocą - średnio 40 km na płaskim terenie lub 30 km przy przewyższeniach, samotnie lub w małej grupie, ale zawsze w skupieniu. Przejdź 40 km w nocy i stań się pięknym człowiekiem, czyli takim, który ożywia codzienność - nie warto żyć normalnie, warto żyć ekstremalnie.Również w Nowym Jorku mamy swoją trasę EDK. Trasa w Bear Mountain Park, w stanie Nowy Jork jest trasą bardzo wymagającą, z przewyższeniami około 1.500 metrów. W tym roku, 22 marca tym szlakiem ruszy już 7. edycja EDK. Od niedawna została wytyczona też trasa w West Milford w stanie New Jersey.O swoich dziewięciu EDK, a także o rozumieniu tej nocnej wędrówki opowiedziała Sabina z Krakowa, a także Gerard, Magda i Paweł z New Jersey.

With so many newspapers downsizing their sports departments in New Jersey or forcing you to pay for a subscription for subpar coverage, where can you get you amateur wrestling fix? Donald Brower, who has covered high school wrestling in New Jersey extensively for the last 15 years with a heavy focus on Morris, Passaic, Hunterdon, Sussex and Warren County, shares his weekly thoughts on the state of wrestling in the state. During the show he announces his Weekly Team Top 10, Wrestler of the Week, answers listener submitted questions as well as tackles the topics and stories surrounding the sport. As we enter the heart of the wrestling season, Donald recaps some of the key matches last week, previews this weeks matchups, talks about our coverage this week, and introduces his updated rankings and wrestler of the week, Ben Marchetto of West Milford. Sponsored by: Champion Athletes Sports Nutrition - https://champion-athletes.com/ Harrington Companies and Contractors: https://harringtoncontractors.com/ Apex Wrestling School - https://www.theapexwrestlingschool.com/ -- Visit our website for more wrestling content: https://gardenstatehswrestling.com/ Subscribe on YouTube: http://www.youtube.com/@GardenStateHSWrestling Like us on Facebook: https://www.facebook.com/GardenStateHSWrestlingcom-474818716023801/ Follow us on X/Twitter: https://twitter.com/GardenStateHSW Follow us on Instagram: https://www.instagram.com/gardenstatehswrestling/ Follow us on Threads: https://www.threads.net/@gardenstatehswrestling Interested in having GardenStateHSWrestling come and cover your next event? Fill out this form here and let us know: https://gardenstatehswrestling.com/event-services-request-form/ Copyright © GardenStateHSWrestling, LLC. All rights reserved.

Anita Bonita has the afternoon's top local stories from the WCBS newsroom.

Suzanne Colucci has the top stories from the WCBS Newsroom.

The All Local midday update for April 14th, 2023.

Brigitte Quinn has the top local stories from the WCBS newsroom.

Wayne Cabot and Paul Murnane have the top local stories from the WCBS newsroom.

Budd Mishkin has the evening's top local stories from the WCBS newsroom.

With so many newspapers downsizing their sports departments in New Jersey or forcing you to pay for a subscription for subpar coverage, where can you get you amateur wrestling fix? Donald Brower, who has covered high school wrestling in New Jersey extensively for the last 14 years with a heavy focus on Morris, Passaic, Hunterdon, Sussex and Warren County, shares his weekly thoughts on the state of wrestling in the state. During the show he announces his Weekly Team Top 10, Wrestler of the Week, answers listener submitted questions as well as tackles the topics and stories surrounding the sport. In this episode, Donald recaps the District Tournaments and our coverage of Districts 4 (at Kittatinny) and 7 (at Roxbury) as well as talks about the Region Tournaments and our potential coverage of Region 1 (at West Milford) and introduces his Wrestler of the Week. Sponsored by: Champion Athletes Sports Nutrition - https://champion-athletes.com/ Harrington Companies and Contractors: https://harringtoncontractors.com/ -- -- Visit our website for more wrestling content: https://gardenstatehswrestling.com/ Like us on Facebook: https://www.facebook.com/GardenStateHSWrestlingcom-474818716023801/ Follow us on Twitter: https://twitter.com/GardenStateHSW Follow us on Instagram: https://www.instagram.com/gardenstatehswrestling/ Interested in having GardenStateHSWrestling come and cover your next event? Fill out this form here and let us know: https://gardenstatehswrestling.com/event-services-request-form/ Copyright © GardenStateHSWrestling, LLC. All rights reserved.

We are never too old to feel the joy of being a child again, especially if our childhood was a painful experience. In this episode, Meghan Hindi, an inspirational mother who experienced healing through an ecstatic home birth, shares her powerful story of reclaiming her strength and finding joy after years of feeling like she was nothing. She stresses how birth can be a transformational experience and delves into the role of therapy in healing from trauma and accepting post-traumatic growth. This is an inspiring story that reminds us that with the right support, we can all access our power within! Meghan Hindi is an Author of The Healing You Can Do, an illustrated children's book for the inner child of readers of all ages. She is also a Life Coach, Archer, Horsewoman, and Doula. Meghan has a passion for helping women redefine their story, their worth, and their future- through her Empowerment Program called Wildish Way in West Milford, NJ. She offers Archery instruction, private Archery parties/events, Healing through Horsemanship, Life Coaching, and Birth Coaching/Doula services.  In this episode: Check out this website https://www.orgasmicbirth.com/the-big-o/ for a free guide on how to get your “Big O Birth” and a 40% discount on the documentary Orgasmic Birth: The Best-Kept Secret! Meghan's inspiring journey of healing through an ecstatic home birth, and how she broke down barriers to more love and intimacy in birth Overcoming fear and trauma to experience the bliss of birth How to unlock trauma and redefine your worth with the healing you can do Key Takeaways: Connect to ancestral wisdom within yourself and lean into hunger, desire, and primal nature Trauma survivors have the superpower to see what needs to be healed in themselves Find a community and give grace and empowerment to those around you The importance of allowing oneself to enjoy who they are in this moment and who one has always been since one was born The story of resilience, transformation, and growth in the face of trauma - Moving forward with grace and courage in creating a new life for yourself Tweetable Quotes: “We're not looking back at the trauma, we're looking at our present moving forward and redefining our worth and what our bodies and spirits mean to us.” - Meghan Hindi “We're helping women to find their true wild nature, true instinctual and intuitive nature in them because it's not just for birth, it's for life, and it's for living after trauma. ” - Meghan Hindi “Birth can give you new eyes to see your own power.” - Debra Pascali- Bonaro  Positively prepare for birth and parenting: https://www.orgasmicbirth.com/for-parents/   Join a doula workshop, retreat, or membership community: https://www.orgasmicbirth.com/for-doulas/ Connect with Meghan Website: https://www.patreon.com/BirthWarrior  YouTube: https://www.youtube.com/@BirthWarrior/videos TikTok: https://www.tiktok.com/discover/wildish_way_rebirth  Book: https://www.amazon.com/Healing-You-Can-Do/dp/1733001700  Connect with Debra! Facebook: https://www.facebook.com/debra.pascalibonaro  Instagram: https://www.instagram.com/orgasmicbirth/  Linkedin: https://www.linkedin.com/in/debra-pascali-bonaro-1093471/  Visit https://www.orgasmicbirth.com/ for more information on how to have fulfilling and enjoyable births. Check out Orgasmic Birth: The Best-Kept Secret, the film creating buzz around the world!

This episode I talk about 3 ghost stories from Clinton Rd in West Milford,New Jersey , Pacheco Path located by Santa Clara County in the Bay Area and dating person who had demonic spirit attach to her

Creepy Looney Tunes characters, the mauling of a TV personality, and baboons invading a drug store. In this episode, we bring the podcast into the 1970's, as we visit Jungle Habitat. Located in West Milford, Jungle Habitat was a Warner Bros.-themed safari and amusement park, operating from 1972-1976. Email me at njhistorypodcast@gmail.com Instagram: njhistorypodcast YouTube: The New Jersey History Podcast Channel; or, Kyle Banner (for cooking, teaching, general history) TikTok: mrkbhistorynj Jungle Habitat information: https://www.google.com/search?q=jungle+habitat&rlz=1C9BKJA_enUS986US988&hl=en-US&prmd=imvn&source=lnms&tbm=isch&sa=X&ved=2ahUKEwjZrunvj7P6AhVYrYkEHa02DiMQ_AUoAXoECAMQAQ&biw=1024&bih=1235&dpr=2 https://westmilfordjunglehabitat.com/

Noah, a science teacher from West Milford, is ready to take on Sid in today's game! Will Noah solve the equation that is Sid Rosenberg or will this be a failed experiment? Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode I'm joined by Kevin, who is one of my former students. Clinton Road is located in West Milford, Passaic County, New Jersey. The road is tied to many tragedies and much lore. Join us as we discuss Clinton Road, and Kevin discusses his experiences when visiting the area. From the ghost of a boy who drowned, to animals who were left behind after the closing of a jungle zoo, the legends tied to this area are quite interesting. This is an unscripted episode, so you'll hear Kevin and me discuss the supernatural as well as a bit of religion and spirituality. Check out the linked videos on my YouTube channel playlists. As always, feel free to reach out and message me with any suggestions or questions. Also, please rate the podcast. Follow me on: Instagram- njhistorypodcast YouTube- The New Jersey History Podcast Facebook- Kyle Banner (The New Jersey History Podcast)

Andy and Alyssa read Goosebumps Series 2000 #19: Return to Ghost Camp. Along the way, they discuss gayness; the Snatch…er; viral encephalitis; muscles; Mark McGwire; Gertrude Stein; bee-fueled ghosts; Kitty Genovese; Camp Crystal Lake; West Milford, NJ; deranged set pieces; summer camp taxation codes; the Rapture; scary foxes; “The Gingerbread Man”; ghost camper math; swapped identities; It Takes Two; 13 Tzameti; untrustworthy women; Genesis; psychosexual thrillers; Body of Evidence; Body Heat; sacrifices; John Lyly's Gallathea; Willow; Jennifer's Body as folk horror; infestation horror; Pushing Daisies; HP Lovecraft's “The Rats in the Walls”; crossing rivers; dead faces in the water; the J.R.R. Tolkien poem “Mewlips”; hallucinations v. ghosts; bees; ghost camper math; and 1974.  // Music by Haunted Corpse // Follow @saypodanddie on Twitter and Instagram, and get in touch at saypodanddie@gmail.com 

With so many newspapers downsizing their sports departments in New Jersey or forcing you to pay for a subscription for subpar coverage, where can you get you amateur wrestling fix? Donald Brower, who has covered high school wrestling in New Jersey extensively for the last 14 years with a heavy focus on Morris, Hunterdon, Sussex and Warren County, shares his weekly thoughts on the state of wrestling in the state. During the show he announces his Weekly Team Top 10, Wrestler of the Week, answers listener submitted questions as well as tackles the topics and stories surrounding the sport. In this special episode, Donald talks with area medalists on their experience and thoughts on competing in the NJSIAA Boys State Tournament. Including special interviews from: 106: Ben Marchetto, West Milford 8th Place 113: Daniel Jones, Delbarton 5th Place 106: Logan Wadle, North Hunterdon 3rd Place 106: Tyeler Hagensen, Mount Olive 4th Place 126: Danny Haws, Lenape Valley 5th Place 113: Carson Walsh, Pope John 6th Place 138: Alessio Perentin 4th Place 157: Tanner Peake, Hunterdon Central 4th Place 175: Hunter Perez, Mount Olive 8th Place 190: Anthony Moscatello, Mount Olive 5th Place 190: Nick Olivieri, Delbarton 4th Place 215: Jack Stoll, Pope John 5th Place 215: Brendan Raley, North Hunterdon 8th Place 285: Liam Akers, North Hunterdon 4th Place 165: Louis Cerchio, Delbarton 4th Place 285: Tyler McCatharn, Warren Hills 6th Place 285: Joseph Abill, Clifton 5th Place 190: Vincenzo LaValle, Hanover Park 3rd Place Sponsored by Champion Athlete Sports Nutrition – https://champion-athletes.com/ http://www.GardenStateHSWrestling.com

With so many newspapers downsizing their sports departments in New Jersey or forcing you to pay for a subscription for subpar coverage, where can you get you amateur wrestling fix? Donald Brower, who has covered high school wrestling in New Jersey extensively for the last 14 years with a heavy focus on Morris, Hunterdon, Sussex and Warren County, shares his weekly thoughts on the state of wrestling in the state. During the show he announces his Weekly Team Top 10, Wrestler of the Week, answers listener submitted questions as well as tackles the topics and stories surrounding the sport. In this special episode, Donald recaps some highlights of Day 1 in Atlantic City at the NJSIAA Boys Individual State Tournament. Donald also talks with area wrestlers Benjamin Marchetto (106) of West Milford, Carson Walsh (113) of Pope John, and Anthony Moscatello (190) of Mount Olive!! For LIVE updates and results during the tournament, don't forget to check out the GardenStateHSWrestling Twitter page (@GardenStateHSW) - https://twitter.com/GardenStateHSW Sponsored by Champion Athlete Sports Nutrition – https://champion-athletes.com/

Online giving: www.almondbranch.church/give Give by Check: The Almond Branch 184 Marshall Hill Rd, West Milford, NJ 07480

Online giving: www.almondbranch.church/give Give by Check:The Almond Branch184 Marshall Hill Rd, West Milford, NJ 07480

Online giving: www.almondbranch.church/give Give by Check: The Almond Branch 184 Marshall Hill Rd, West Milford, NJ 07480

Online giving: www.almondbranch.church/give Give by Check:The Almond Branch184 Marshall Hill Rd, West Milford, NJ 07480

Online giving: www.almondbranch.church/give Give by Check: The Almond Branch 184 Marshall Hill Rd, West Milford, NJ 07480

Online giving: www.almondbranch.church/give Give by Check:The Almond Branch184 Marshall Hill Rd, West Milford, NJ 07480

David Corsaro's discovery of magic when he was coming of age has never left him. It led him from West Milford, NJ to an 8 day Magic Tour in Tokyo, Japan... from studying business marketing in college with a magic side hobby, to two decades of forging entrepreneurial endeavors that are led by being a magician who consistently performs and helps others understand how to market their magician careers. All the while, he has mastered the art of creating "the moment of astonishment," a feeling of disbelief and amazement that produces a response that is completely speechless. It is something that people may never get to experience outside of their childhood until that very moment when the magic trick brings it to them. David leads us through the nuanced worlds of magic, of him and his contemporaries sitting around his kitchen table to make the the story telling and the slight of hand of each trick be more innovative and entertaining, the formal and informal schools of magic that have formed him along the way, and how he gets to be "a member of a secret society who make the impossible possible." --- Send in a voice message: https://anchor.fm/thestolenhourspodcast/message

What's the creepiest shit you've heard all day?Happy Halloween, it's time to get weird. Ian brings us to New Jersey to hear the unbelievable variety of stories from a haunted road. Next, Ben takes us to Saskatchewan for a true crime tale with a possible supernatural twist. We skip over to Ireland next for the bloody and violent story of Leap Castle, before landing back in the US to learn about about Oregon Vortex.Let's get spooky.

Prince celebrates his Gotcha Day! As more people turn to rescue and adoption and more shelters embrace progressive policies, this could be the story of every shelter animal in America. The AKC wants you to believe that a dog shortage has reached crisis proportions. A gender studies professor objects to helping disabled dogs and cats gain mobility. Raleigh, NC, criminalizes compassion for “feral” cats. There are no chickens in the new “chicken” nuggets for sale at the stadium of the San Francisco Giants. The market for vegan meats will increase five-fold over the next 10 years. A Federal Court of Appeal has ruled that a Kansas law making it illegal to film and publicize animal abuse on farms violates the First Amendment. A new study finds “that pets owned by people experiencing homelessness” are as healthy “as the general pet population.” The number of communities placing over 95% and as high as 99% of the animals is increasing. The youngest orca at SeaWorld in San Diego has died. And a new study out of Oregon State University set out to answer the question: Do cats love us? No surprise, they do.These are some of the stories making headlines in animal protection:* Is there a "Great American Dog Shortage"? The AKC wants you to believe that there is. They also want you to believe that shelter and rescue dogs are dangerous and the only way to meet demand is to expand commercial breeding. But what do we find when we follow the evidence instead of the money? What we find is that rescue and shelter dogs can meet demand, that these dogs are dying for homes, and that the vast majority are healthy, friendly, and pose no threat. We don't need to factory farm dogs.* Dymka, a cat suffering from frostbite that required amputation of all four of her legs, is walking again thanks to 3D printed titanium legs. She's one of many dogs and cats who were either born with a disability or suffered accidents but are being helped by prosthetics or wheelchairs. Unfortunately, not everyone is celebrating. In a new book, a professor of gender studies at Kansas State University, tragically objects to these stories, claiming they “reveal salacious and almost pornographic exceptionalizations of disabled bodies” and “erase” the experiences of disabled people. They do no such thing.* An animal control officer in Raleigh, NC, is accusing the mayor of feeding a feral cat in violation of law. The Mayor said that the City will be “fining me at my house every day. I have my favorite feral cat and he is like one of the family.” Banning the feeding of community cats, she says, “goes a little too far.”* There are no chickens in the new “chicken” nuggets for sale at the stadium of the San Francisco Giants. The new nuggets are part of an overall growth in plant-based foods with Bloomberg reporting that the market for vegan meats will increase five-fold over the next 10 years: from $30 billion in sales to over $160 billion. That is good news for animals, including chickens, who are the most abused animal in the world, with over 60 billion killed every year to be eaten.* A Federal Court of Appeal has ruled that a Kansas law making it illegal to film and publicize animal abuse on farms violates the First Amendment. The Court held that Kansas may not legislate speech in order to prevent undercover investigations that expose inhumane conditions. It is a victory for anyone who has spoken out on behalf of animals abused and killed in any context.* A new study finds “that pets owned by people experiencing homelessness” are “as healthy as the general pet population, even finding that the animals are less likely to be overweight.” People of all walks of life love their pets.As more people turn to rescue and adoption and more shelters embrace progressive policies, the number of communities placing over 95% and as high as 99% of the animals is increasing:* Ewing Township, NJ, reported a 99% placement rate for dogs, 99% for cats, and 100% for other animals. It is part of the most exclusive club in the movement: those placing 99%+.* Pequannock Township, NJ, reported a 100% placement rate for dogs, 98% for cats, and 100% for other animals. For dogs and rabbits and other small animals, it, too, is part of the most exclusive club in the movement.* Likewise, Porter County, IN, reported a 97% placement rate for dogs and 97% for cats.* The shelter that serves the cities of Bridgewater, Manville, and Green Brook, NJ, reported a placement rate of 98% for cats, 98% for dogs, and 100% for other animals.* Marquette, MI, reported a placement rate of 96% for dogs, 98% for cats, and 98% for rabbits, hamsters, and other small animals.* Fulton County, IN, reported a 100% placement rate for dogs and 97% for cats.* West Milford, NJ, also reported a placement rate of 95% for cats, 98% for dogs, and 100% for other animals. These shelters and the data nationally prove that animals are not dying in pounds because there are too many, because there are too few homes, or because people don't want the animals. They are dying because people in those pounds are killing them. Replace those people, implement the No Kill Equation, and we can be a No Kill nation today.* In tragic news, the youngest orca at SeaWorld in San Diego has died. The company does not know why. Amaya was only six years old. She is at least the fifth young whale to die in captivity across marine parks in the U.S. this year, many of them suddenly with some experts opining that it is captivity itself which is to blame. SeaWorld is no stranger to poor care and early death of orcas which led the California Coastal Commission in 2015 to ban the breeding of orcas at SeaWorld and ruled that no new whales from the wild could be kept there. And, finally, we all know how much we love our cats, but a new study out of Oregon State University set out to answer the question: Do they love us back? OSU researchers recruited people and their pet cats to determine whether cats, like dogs, see their caregivers as surrogate parents. The study found — to the surprise of no one who has ever lived with cats — that they do. In fact, their attachment was as good as children and better than dogs.While some have suggested that the study was a waste of time and money and that anyone with cats could have told researchers that, studies like this are still important. As long as they are non-invasive, voluntary, and allow the cats to quit or walk away if they are bored or stressed, the studies help overcome a bias in the scientific community of “underestimating cats' socio-cognitive abilities.” And having more studies conclude that cats have a rich inner life, deep feelings, and a great capacity for love can only serve to increase their status and the view of their moral worth. This is important because it is not just university researchers who have this bias. This view of cats is also historically endemic in the sheltering community. Shelters often treat cats as second-class citizens, with the bulk of program resources, socializing efforts, and volunteer time spent with dogs. This isn't necessarily because people love dogs more and cats less, but because they believe that dogs need more and cats are relatively low-maintenance. This study and others like it prove that cats suffer psychologically if not provided stimulation, socialization, and made to feel loved and safe. They deserve a fair share of sheltering resources. And we can use studies like this to push shelter managers to make sure they get it. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit news.nathanwinograd.org/subscribe

In this episode, Financial Advisors at Certified Financial Services, LLC, Erin Hoffman and Jill Van Nostrand, talk about physical therapists’ financial wellness. Today, Erin and Jill talk about prioritising financial wellness, the different types of disability policies and insurance, managing student loans, and saving for retirement. Is it recommended to get a business disability policy? How can you maximise your financial wellness? Hear about a few forgiveness programs, asset location strategies, and the difference between an IRA and a Roth IRA, all on today’s episode of The Healthy, Wealthy & Smart Podcast.   Key Takeaways “Our health and physical wellness goes hand in hand with our financial wellness.” “There’s a huge difference between the language of a group policy versus an individual policies.” “When we’re talking about disability, we’re talking about protecting the source of where all of that comes from, which is our income and our ability to produce income and revenue.” “We don’t want to leave ourselves open to situations that would erode everything that we’re working to build.” “Student loans are probably the biggest threat to our retirement.” “Retirement is something that is never too soon to start.” “We want to make sure we have ways of saving that are going to give us liquidity during our working years.” The Top Three Tips: Protection and disability insurance. Managing student loans. Understanding your retirement. “Start saving sooner than you think.” “Go for it. Achieve what you want to achieve.”   More about Erin Hoffman Erin Hoffman is a Financial Advisor at Certified Financial Services, LLC (CFS), a wealth management firm headquartered in Paramus, NJ, providing individuals, families, and businesses with financial protection and wealth accumulation strategies. She specializes in working with women business owners, and Physical Therapists, as well as other Healthcare Professionals. She understands that as a Healthcare professional, you specialize in the movement of the body. Once she started working with her aunt and best friend, who were PTs, she started partnering with countless others who wanted to focus on the movement in their financial world. She has been successful in assisting with sticking points in their finances, leading them to a place of greater range of motion in their financial world. She also hosts monthly educational classes for Healthcare Professionals on various topics- from financial, to legal, to even marketing.   More about Jill Van Nostrand Jill specializes in helping PTs, dentists, and others in the medical fields grow and protect their wealth by focusing on key areas of importance in their finances. Jill built an impressive career as a musician and college professor, but it wasn’t until her career as a real estate investor that she grew aware that a leading cause of a person’s stress derives from financial worries. As she was intrigued by that relationship, Jill decided to bring together her interest in financial wellness with her desire to help others. Jill’s mission of educating clients and guiding them towards stress relief and financial balance is drawn from her own family experience. She wants to provide families, individuals, and practice owners with the knowledge to help them protect and grow their assets and, in turn, enjoy life more. Jill enjoys spending time with her husband, Gary, and son, John, in the North Jersey lake region or hiking in Vermont. She serves on the Economic Development Commission in her town of West Milford, NJ.   Suggested Keywords Physiotherapy, PT, Healthcare, Finances, Wellness, Policies, Insurance, Loans, Disability Policies, CFS, Retirement, IRA, Savings, Strategies,   To learn more, follow Erin and Jill at: Website:          https://www.cfsllc.com Facebook:       Erin Hoffman                         Jill Van Nostrand LinkedIn:         Erin Hoffman                         Jill Van Nostrand   Mama Bear PT:          https://www.mamabearpt.com   Subscribe to Healthy, Wealthy & Smart: Website:                      https://podcast.healthywealthysmart.com Apple Podcasts:          https://podcasts.apple.com/us/podcast/healthy-wealthy-smart/id532717264 Spotify:                        https://open.spotify.com/show/6ELmKwE4mSZXBB8TiQvp73 SoundCloud:               https://soundcloud.com/healthywealthysmart Stitcher:                       https://www.stitcher.com/show/healthy-wealthy-smart iHeart Radio:               https://www.iheart.com/podcast/263-healthy-wealthy-smart-27628927   Read the Full Transcript Here:  Speaker 1 (00:01): Hi, Jill and Erin. Welcome to the podcast. I am happy to have you on Speaker 2 (00:06): Hi, Karen. It's so great to be here. Thank you for having us today. Speaker 1 (00:10): Sure. And now today we are going to talk about wellness, financial wellness for physical therapists. So like I said, in the intro, you guys love working with physical therapists. You specialize in this. My audience happens to be a lot of physical therapists, so this is just a perfect match. And today we're going to talk about kind of the top three things physical therapists need to think about and implement for financial wellness. So guys, I'm going to turn it over to you, um, to start it out. What is your first tip? Speaker 2 (00:50): Awesome. I'm so glad that we're here today. Karen, because as you're saying, right, our health and our physical wellness goes hand in hand with our financial wellness. And a lot of times there's a disconnect, but that's why Jill and I love working with PTs and it's really close to home for both of us. My aunt's a PT and we have a few friends who have come out as doctorates. Uh, and just a quick recap for Jill and I. We are financial advisors at certified financial services, and we love partnering with PTs who really want to focus on the movement in their financial world and achieve that financial wellness. Uh, so the first thing that we always kind of start right off the bat with them is protection, right? That's, that's the first thing. That's the most important thing also, because if we think about, you know, you've worked so hard to get your degree to get into the clinic that you're in or that you're starting, but we really want to make sure that we have a secured, satisfied lifestyle. If we think about what could happen, if, if we weren't able to go to work the next day, right? If we became too sick or injured, that would prevent us from a bring home a paycheck, uh, and without a paycheck, how long could we pay for our rent utilities, buy groceries, make those student loan payments that are so fun. Right? So disability insurance is first and foremost. One of the most important things that we'll talk about with our PTs, Speaker 3 (02:25): That's it that's really well said. Yeah. Thank you, Karen. I think it's really well said, Erin, when we start with protection first, we're protecting our most important asset, which is our ability to produce income, right. To produce cashflow. So that really should be number one in our priorities. And it's really important to think about what our priorities should be. Not everything can come in first for that number one position in terms of things that we need to accomplish for our financial wellness. And that is definitely a number one for us. And there are different kinds of insurance out there. There's individual. There's also disability insurance that covers the daily running expenses of a brick and mortar business, for example, or a practice for example. And there's also disability insurance that covers our contributions to our qualified retirement accounts. So there are a lot of different options out there. Some of which are very new and a lot of people are not aware of them. So we make our clients aware of them and, and get out as much education as we can. Speaker 1 (03:29): So now let's talk about, cause everyone, um, let's talk about a couple of those different types because a lot of times I see on social media, we talked about this before, um, especially newer grads or even those out for a while will say, well, I get disability to the company I work with. So do I really have to have my own as well? Speaker 2 (03:53): Go ahead. It's a good point. Karen and Jill and I get asked this question all the time, and I think one of the most important words that comes to mind when thinking about having your own individual policy is I it's yours, but it's also portable. You might not be at that clinic with that same employer for your whole entire life. So if you have your own individual policy, that's yours, it doesn't go away. Whether you, you know, have clinics, uh, what have you and Jill and I also spend a lot of time reading through the language of a disability policy with, with our PTs. And it's so important. They might, your employer might not have certain riders that an individual policy would have that could be in your benefit. Uh, and it might not be through a carrier that favors PTs or other healthcare professionals that Jill and I work closely with. So I think those are, those are some of the big, uh, advantages to having your individual policy. And also that you're ensuring your own insureability right. Your, your age, your health, uh, at today's point in time. Speaker 3 (05:00): Yeah, definitely. I, and that, that is so true, Aaron, that there's a huge difference between the language of a group policy versus an individual policy. And the individual policies tend to be much more favorable to the insured in terms of what qualifies as a disability, or even in some cases, a partial disability. So when we have an individual policy, we can design that to fit someone's exact needs and their exact situation. And in a group policy, you're just not going to get that kind of customization. Um, it's great to have, but we, we look at it as like an add-on benefit. It's much, much better to have an individual policy and there, and there's another point which comes down to taxation of the benefit if we are actually making a claim and we're getting that benefit, if it's an individual policy that we are paying for, we get that benefit, tax-free income tax free. And if it's a group policy that our paying any part of four, then that benefit's going to be completely income taxable. So there's a big difference in the actual benefits and the language between a group policy and an individual policy. Excellent point. Speaker 1 (06:12): Yeah. I had no idea what a great point. Um, and now let's talk about quickly the difference between an individual policy and a sort of business policy. So if you're a business owner, can you, or should you just continue, so continue with your individual policy or is it recommended that you get a business policy, which are usually more expensive? Speaker 3 (06:40): Yup. So for an, for an individual to protect their income, we definitely recommend that whether that is a business owner or someone who is a W2 employee of a business, whatever it might be, it's really, really important to have that we do recommend it. And then business overhead insurance is something that can be added on to a, sometimes to an individual policy can be a separate policy and that would cover the day-to-day runnings of the business of the practice. So they're usually two separate policies that people would have. So the one would protect the income and then the one would protect those day-to-day expenses of running the practice. So it's really important to have both, if you are a practice owner Speaker 1 (07:24): And would this be, so let's say you are a practice owner and you have what you think is a business, uh, disability plan. Should you specifically ask for business, overhead insurance is, or is, does, is that considered part of it? Speaker 3 (07:42): It is a separate policy business, overhead protection. That should be a separate policy. Um, aside from your business insurance, like your business liability insurance, whatever that might be, um, or any kind of property insurance that a property owner would have. So those are all different kinds of policies. They're all super important to have, of course. And when we're talking about disability, we're really talking about protecting the source of where all of that comes from, which is our income and our ability to produce income and revenue. So super important. Speaker 1 (08:17): Got it, got it. Well, that is a great tip for people and it's making me think too. I have that. I have to, every time I do a podcast with, with, uh, folks like you, it gets me like, wait, do I have that? Do I? Okay. Yeah. Mental note check to see if I have business overhead insurance, which I don't think I do. That's going to be something I'm going to call about. And now when you're working with your clients and they say, oh, but it's so much more expensive. Can't I just stick with my individual policy. Speaker 4 (08:50): Well, Speaker 2 (08:50): We always bring up the point of, well, think about the expense, if you did not have this coverage in place. Right. And specifically with the business overhead expense, as Jill had, had talked about, that covers the everyday. So the rent and utilities. How about if you have employees, their wages, how, how is that going to be covered? Right. You know, even loans, voluntold they're covered under having this business expense policy, you can get, you know, additional, you know, health coverage covered as well. So these different plans kind of cover different things and we kind of help PTs and business owners navigate. What's the best strategies for them. Speaker 1 (09:34): Awesome. Okay. Before we move on to tip two, is there anything we'd glossed over on disability, insurance and protection that you want to add onto before we move on? I would just say, oh, sorry, go ahead there. No, go ahead, Jill. Speaker 3 (09:49): I would just say that it really is one of the most important things that we can do for ourselves financially. Uh, in terms of growing our wealth, we also need to protect our wealth. We don't want to leave ourselves open to, uh, situations that would erode everything that we're working to build. So, you know, just something to leave people with on that. Yeah. Speaker 1 (10:10): Very, very good point. You work so hard. You don't want an injury to take it all away from you, right. Okay. That makes perfect sense. All right, let's go on to tip number two. Speaker 3 (10:21): Okay. Two is management of the student loans. If a PT has student loans, managing them is a major priority. We believe in terms of financial wellness. It's not something that we can, that we can ignore, uh, that needs to be addressed as soon as possible so that we can get, we can help our PTs get on a plan and get them into a situation where they're going to have a comfortable monthly payment. They're going to have, uh, the POS, first of all, the POS first things we do is look at, is it possible for them to get into a forgiveness program? There are a few different programs today. Uh, we work with an expert in the student loan field. She's helped many, many of our clients, and we work hand in hand with her to help our clients. And first of all, we see if we can get them into a forgiveness program. Speaker 3 (11:12): That's number one. And number two, if a forgiveness program isn't impossible, then we're looking into management. How can we get that payment to a reasonable amount that is not going to prevent everything else in life that all of us want to have from happening and to make sure that we can still fulfill our dreams and reach our goals. So if we are, uh, if we have a PT who, for example, is working really hard to get those loans down, we're also gonna talk about, let's start some savings, right? Because we can't get those years back. And it's all about management and for saving and servicing our loans at the same time, then that's going to give us the optimal results. Aaron, Speaker 2 (12:00): It brings up a really good point. And a lot of times, you know, student loans might be one of our biggest expenses in our world. So we have to kind of help find that balance between where are we saving, how much are we saving and still paying down, servicing that debt. So that's kind of where Jill and I come in and find that, that happy balance, because we have to be saving and have some kind of bucket, right? God forbid, while we're still servicing the debt and we'll get into the retirement more. But student loans are probably the biggest threat to, to our retirement. Um, you know, we'll get more into that, but it's important to be balanced in both. Speaker 3 (12:40): Yup, absolutely. And I think from the perspective of a student today, who's graduating, let's say they're coming out with a couple of hundred thousand of student loans that may seem almost insurmountable. And what we do with our clients is help them and help PTs to, uh, be able to fit that into the budget and still have everything else going on that they want to have in their lives. So it's, it's about building that career that you love, PTs love their careers. They want to be in that career. They, they want to work with their patients. It's a wonderful career and they should be able to love it and enjoy it and not have that be something that's going to be an anchor and weigh them down. And that's what we do with our PTs, helping them with that. Speaker 1 (13:30): And let me ask you a question. You had mentioned forgiveness programs. Could you give some examples of some forgiveness programs that, uh, physical therapists and maybe other healthcare professionals can take advantage of if they qualify? Sorry. Sure. We have a few that's okay. Is it okay now? Yeah. Yeah. My internet connection was a little unstable, but it's back. Speaker 3 (14:04): Okay. All right. Awesome. Should I just pick it up there? Okay. Is it, is it not good again? I can hear you, Aaron. Are you okay? Yes. Okay. All right. Okay. We're good. Yep. Speaker 1 (14:20): Okay. Yeah. So you can just pick it up from there. So, um, what forgiveness programs can physical therapists or their healthcare professionals take advantage of? Speaker 3 (14:30): Absolutely. So there are a few different programs today. The first one that I think most people are the most familiar with would be the public service loan forgiveness. So that's for people who work in the public sector or they work at a five oh one C3 non-profit, uh, company, which allows you after 10 years, assuming that the balances have not been paid off to receive forgiveness. There's another program, which also a lot of people are familiar with income based repayment, uh, that has some different things that we need to qualify for in order to be part of that program. But it's actually a lot more, a lot easier and a lot more possible than a lot of people think it's definitely worth looking into. And that program allows for forgiveness of the loans after 25 years of on-time payments. And then there's another program which is fairly new. Speaker 3 (15:27): That's called the pay as you earn program. It has very specific rules and dates about when the loans were dispersed and w we can definitely help go through those and work through them and see if our, see if PTs would qualify for any of those programs. We find that many people do qualify for forgiveness programs. They're not always aware that they can, or they think, you know, they have to work at a specific kind of a hospital or something like that, but, but there are a lot of options out there and it can, it can save hundreds of thousands of dollars. Literally. This is the amount of money that we're talking about here that people have saved by taking the time to talk to a professional who knows the ins and outs of this, this part of the field. So it's really, really important to take a look at this. Speaker 1 (16:22): Excellent. So we've talked about protection, having the right disability coverage, managing student loans, and you alluded to within the managing of student loans that we also need to save for our retirement. So let's talk about retirement because I think it can be confusing and overwhelming and daunting if you have, if, if you're just not sure what you can do. So what are our options for retirement? Yes. Great. Speaker 2 (16:52): And you bring up a good point when people hear retirement, Karen, right. They kind of want to run for the Hills. It can be very overwhelming, Joe. And I try to make it as, you know, as an in line to your goals and help walk you through it as much as we can. And that's, there's a lot of different options for, especially for business owners. There's something called a SEP IRA that a business owner can have. Uh, we walked through a lot of different options that a lot of people might not know about or even available to them. And Jill and I talk a lot about saving into different buckets of money. So not put putting all of our retirement savings into one specific bucket or vehicle, if you will, and really having a strong plan, that's diversified across a lot of different buckets. Jill, I'm sure you can, you can add more to the bucket. We can go on and on about those. Oh, thank Speaker 3 (17:52): You, Aaron. Aaron knows I can go on and on about this. So retirement is something that is never too soon to start it. It's just never too soon. If we start saving for retirement in our twenties, we can, we can literally save half or a third of what we would need to save. If we start in our thirties and then help us, if we start in our forties, it's something that we need to start as soon as possible. And what Erin, when you were saying is so true, it's not just about our asset allocation. It's about asset location. What are the different accounts that we're able to take advantage of to save money in? So that we're both saving now on say for example, on taxes, but also in the future. So we're, so we're not creating a lot of tax liability for ourselves in the future. Speaker 3 (18:43): We want to make sure that we have assets that we can turn into income in the future because while net worth is really good to talk about, it's important, really what we need to be able to do with our assets and with our net worth is in your retirement to turn that into reliable and guaranteed income sources, because that is really, what's going to set us up for wellness now in the midterm and in the future and retirement accounts, we have our qualified accounts like our 401ks and our IRAs and our Roth IRAs. And then we also have other options that have tax advantages that we also talk about. We also want to make sure that we have liquidity during our lives so that we're saving in ways that are going to, so we're going to be able to access some of our savings if we need it while we're in our working years. And then when we get into, uh, finishing up our accumulation period and getting into retirement, which is our distribution phase, that we have created ways for ourselves, uh, to both have that guaranteed and reliable income, and also been as tax efficient as possible all along. So we can continue that tax efficiency in the retirement years as well. Speaker 1 (20:02): And so you had mentioned 401ks, IRAs, Roth IRAs. Um, quick question. And I think I know the answer to this, but I don't know when you're, uh, w working for a company, you can have a 401k. I don't even know if companies are matching anymore. I don't know if that's a thing anymore, but if a company is going to match, do you, let's say a company matches at 7%, I'm just pulling a number out. Right. Do you suggest that as the employee, you put 7% in and have that match, or do you suggest as an employee, you put as much as you can and they'll kick in an extra 7%. Does that make sense? I think Speaker 3 (20:47): In general, I'm sorry. Go ahead. I said, does that make sense? Yeah, that, that does make sense. Yeah. I think it does depend on an individual's particular situation, but if we, it, and believe me, if an employer is so generous today that they do a 7% match, of course, we generally would recommend that people get the match if they can. Um, some employers don't match today. Most common we've seen is around 3% if they do match, but, uh, if they, if they do match and we can be putting enough in there to get the match, that's a great idea to get that because that's like additional income for us from the employers. So that's great to get. And then there, there are some other ways that we can also save in addition to the 401k, because we, one of the, one of the things about those qualified retirement accounts, as you know, Karen, is that they, we do have to wait until we're 59 and a half to access that money without penalties or paying income tax on that. Speaker 3 (21:49): Uh, we do have to, unless there are specific situations along the way, of course. Uh, so we do want to make sure that we have ways of savings that are going to give us liquidity during our working years, during our accumulation years. So there are other types of accounts that we can take advantage of as well and save in those as well. So, as you were saying, Erin, we have those different buckets of money that are in different types of accounts that have different rules as to how they work, how they are taxed. And th that's going to be the most beneficial for us in the long run. It's not just allocation, but asset location. Mm Speaker 2 (22:28): That's. You bring up a really good point, Joe, with location, right. Is almost even more important than the amount we have. Uh, and this is one of the biggest problems. I think that Jill and I see with clients is a lot of clients have, you know, a retirement plan they've been saving, but what's their distribution plan. They want over time and where is money coming from? And where's the best place to be starting to pull it from and in what order? So we're walking through all of those strategies, uh, with, with our clients and ultimately how to have the highest possible cashflow with lowest taxes and, and leave a legacy if we decide to. So those are all really important things that we'll, we'll kind of walk through. Speaker 1 (23:13): And can you give an example, maybe one example of where you can kind of what, where you can park your money bucket. That's not the 401k, the IRA, the Roth IRA, the step, you know, I think everyone kind of has, um, an idea of what those are, but what else is there? Speaker 3 (23:41): Absolutely. So I think it depends also Karen, the purpose for our savings for that particular savings and also our timeline. So when we're thinking about, okay, is, is this money that we're saving, that we want to be able to access, let's say in 10 years, and we want to invest it in the meantime, it's not something that we need right away, because if we're thinking about an emergency fund money like that, we usually recommend that people put that into a savings account, just a regular savings account that they can get to very easily. But if this is going to be invested money, then we can always do a brokerage account, which is going to enable us to access that at any time, we're not going to have any penalties or fees associated with it. If we have gains and we take some of those gains, then we're only going to ever have capital gains tax, as long as we've held those, those, uh, investments for a year in a day. So that's something that I think could be very beneficial to people as an accompaniment, to the qualified plans and, uh, you know, a great something great to have in the overall design of the financial plan. Speaker 1 (24:50): Yeah. That makes a lot of sense. Thank you for that. Um, and then I think one more thing on the IRA versus the Roth IRA, can you differentiate those two so that people know what's a Roth IRA what's qualifies for, how do you qualify for a Roth IRA, a regular IRA? Speaker 3 (25:11): Sure. So there, there are a couple of differences between a Roth and actually a 401k can have a Roth option as well. Not all employers offer that, but some do so between a Roth IRA and a traditional IRA, the main difference is how money is tax going into the account and then how money is taxed or not taxed, it's coming out of the account. And the difference is with a traditional IRA, we are putting in pre-tax dollars. We are not paying tax on the money that we put in right now. And we can also take that off of our income. So we get slightly reduced income tax, and then we have that money growing tax deferred. And then when we go to use it from 59 and a half on, uh, we are taking that money out and we're paying income tax on it. So with a Roth option, kind of doing the opposite kind of thing, and the rods does have income limits in terms of being able to contribute to a Roth account, uh, both for individuals. Speaker 3 (26:12): And, uh, so going forward, when we think about a Roth, we're going to be setting ourselves up with tax-free income in the future. As long as our money has been in the Roth account for at least five years, when we take it out after 59 and a half, we're going to get it. Tax-free, it's growing tax free all along and what, but when we put it in, we're putting in after tax dollars. So we paid income tax on our dollars that we put into a Roth, it grows tax-free and then we take in retirement income tax free, as long as we have that five-year period. Speaker 1 (26:49): Got it. Thank you. Great. Cause I know, uh, oftentimes people, um, can get confused on that. So I just wanted to kind of bring a little clarity around those different kinds of IRAs and things like that. And, and, you know, physical as a physical therapist, like this is not what we went to school for. So we depend on people like you, um, to walk us through and figure out where, where, where can I put money in now? So that at 59 and a half, I'm taking it out with the greatest benefit I can. And you're not like getting hit with like, oh my gosh. Or if you want to save for a house, maybe you don't want to have that in, uh, obviously in like a, your 401k, because if you pull that out early, you get a big penalty. Speaker 2 (27:35): Absolutely. And that's what we spend a lot of time, you know, collecting goals and walking through personal business goals, because that really determines where we're saving and how timeline wise. We want to access that money and we'll review it at least twice a year with, with clients. Um, and because that plan is always changing. Right? Speaker 1 (27:57): Yeah. And I think, you know, I think this gives this talk, gives, uh, the listeners number one, a lot to think about, to look into maybe what they already have in their retirement, what they already have in disability, how they're managing their student loans and perhaps they can take to their financial advisors, or maybe they want to come and talk to you guys to see how can we maximize our financial wellness. I mean, how can we make sure that we're not wasting money and that in the end we can get back the most money. Right. That's kind of the deal. Exactly. Yeah. So now, all right. Is there anything, um, so I just to, I'm going to recap the top three tips are protection and disability insurance, managing your student loans and understanding your retirement and where all of your, all the buckets that your money is going in. And to make sure that it's not all in one. Speaker 2 (28:59): Yes. Okay. You summed it up very well. Karen, I think ultimately to even break it down even more Jill and I are just here to kind of help people understand how to organize and what to prioritize. And we're here to help kind of navigate all of that because it can be very overwhelming and we are here to, to help navigate through that. All Speaker 1 (29:20): Right. Awesome. And now, where can people find you? Where can people find you, uh, websites, social media, all that fun stuff. Speaker 2 (29:32): Yep. So Jill and I are both on, on LinkedIn. Uh, you can find us on our website. We are on, uh, CFS, llc.com. We each have our own, uh, aims under there. And can you start us on LinkedIn? Speaker 1 (29:48): Perfect. And we'll also have just so people listening will have all the links at the show notes at podcasts at healthy, wealthy, smart.com. Um, so you can just go on there and one click will take you to Jill and to Aaron, to their LinkedIn and to their website. So excellent. Now we're going to finish up, I've got one last question for both of you. It's I ask everyone the same question and it's knowing where you are now in your life and your career. What advice would you give to your younger self Speaker 2 (30:21): Start saving sooner than you think? Even if it's, even if it, we always Jill and I always say we laugh at the start somewhere, right. Even if it's 10 bucks a week, you know, just start somewhere. And that will, that will grow over time. Absolutely spoken. Speaker 1 (30:37): Like it's spoken like a true financial advisor. Speaker 2 (30:41): Go ahead, Jess. How about you, Jill, I'll Speaker 3 (30:44): Give a nonfinancial nonfinancial related advice because I think that was perfect advice. Aaron, the sooner you start the better, um, I would also say to my younger self, um, just go for my dreams and my goals even more than I did. I think for young people today, just, just go for it, just achieve what you are, what you want to achieve with what's deep inside you. You want to bring good into the world. Just go ahead and do it. Speaker 1 (31:12): Excellent advice from both of you ladies. Thank you so much. And I also want to give a shout out to Helene, um, cause she sort of put us together and um, she, uh, is the creator of mama bear, uh, physical therapies. Speaker 2 (31:29): Yeah. So we'll Speaker 1 (31:30): Have a link to Helene's, uh, business in the show notes as well, because I love, um, I love to show sort of the web of how we're all connected, you know? So it's just shout out to her. Yeah. And to her business and we're all very excited. I think the three of us are collectively very excited for her. Speaker 2 (31:50): We're so proud of her. She's awesome. Agreed. Speaker 1 (31:54): All right. Well ladies, thank you so much for coming on and everyone thank you so much for tuning in and for listening. Have a great week and stay healthy, wealthy and smart.  

Dan from West Milford texts the show and expressed why he was so nervous before getting married. See omnystudio.com/listener for privacy information.

In this episode we Wadeoutthere with Anita Coulton from West Milford, New Jersey.  Anita began fly fishing in the 90s as a mother of two, and quickly fell in love, eventually becoming a guide.  We discuss the Upper Delaware River, teaching beginner anglers, and mousing for monster browns at night.  If you want to find out more about Anita Coulton you can find her on Facebook or follow her on Instagram at @flyguideanita.  To learn more about fly fishing the Upper Delaware or to schedule a guided trip check out:http://crosscurrentguideservice.com/https://www.whitetailflyshop.com/For more information about Casting for Recovery:https://castingforrecovery.org/If you want more information on some of the topics we discussed try reading these blog posts from Wadeoutthere:https://wadeoutthere.com/every-once-in-a-while-look-up/https://wadeoutthere.com/three-things-i-learned-on-the-ravens-fork/For more fly fishing stories, lessons learned, and artwork check out my blog and online gallery at: https://wadeoutthere.com/

This episode of our End of Summer Horrors takes us to Clinton Road located in West Milford, New Jersey. This 10 mile stretch of road is notorious for all kinds of supernatural occurrences from aliens to ghosts. Buckle up for our most bizarre episode to date. Disclaimer: This episode includes mention of cults, murder and child death and may be triggering for some listeners. Listener discretion is advised, especially for those under age 13.

Loser 57-year-old Christopher Greyshock, of West Milford, New Jersey On Sunday Christopher was arrested after he rear-ended a car, failed a sobriety test and police discovered an open bottle of whiskey and suspected marijuana in his car. The crash came about an hour after his team, the New York Jets, lost 41-10 to the Buffalo Bills. When questioned by police, his reason for his brush with the law was simple. "I drank too much because the Jets suck," Greyshock's car was impounded and he was charged with assault by auto because the driver he hit was injured, DWI, reckless driving and drug possession, police said. After he was processes and issued his traffic summonses and charges, he was turned over to a "responsible adult," the release stated. Winner Anonymous neighbourhood mother from Vancouver We would like to think Twitter user Tom Pearce for this winner of the day.

We're going on the road to kick off our big October celebration! In this episode, we take you down Clinton Road in West Milford, New Jersey - the most haunted road in America! There are tales of phantom trucks, a little ghost boy and his dog, and even Satanic rituals, pretty much everything you could want in a haunted location! Listen to Kaitlin get scared, Hayley getting excited, and Elliot trying to get us there and back in one piece! Remember to check back for another all new episode this Thursday! Email: crimeculturepod@gmail.com Website: crimeculturepodcast.tumblr.com Instagram: @crimeculturepodcast Twitter: @CrimeCulturePod Facebook: @crimeculturepodcast (All other links can be found on our website) Hosts: Hayley Langan and Kaitlin Mahar Social Media Manager: Elissa Sanci Theme Song Composer: Michael Quick Mix Engineer: Elliot Leach We'll see you on Thursday! xx

Tonight's special guest is John Davis from West Milford, New Jersey, child abuse survivor and author of the memoir 'My Father's Son'. John writes, "Every family has secrets. Ours were just bigger than others." He goes on, "My earliest memory is of a gun." That gun was in his father's hand .. and it was pointed at his mother's head. John grew up on the rough streets of Brooklyn, a place where no one thought twice when parents smacked around their kids-or each other. At the center of the tumultuous neighborhood, and John's world, was his larger-than-life father, a big time cocaine dealer. "In addition to his violent mood swings and mental torture," he says, "he also used me to palm drugs to customers, get money as well as make deliveries." John, in particular, seemed to bear the brunt of Roberto's wildly swinging moods. "My mother was also a victim and either wasn't able to protect me or didn't care," he writes. "My father hit me until I was 17 and even asked me to drive the car as he kidnapped and wanted to kill his enemies." Every knock on the door might be one of Roberto's enemies, or the police. "At the age of 34 I found he wasn't even my father, John says, "but that he had adopted me. The search for my real father ended with finding his obituary notice." In his publishing debut, "My Father's Son,' John recounts how he spent his childhood in constant terror and his teen years learning to fight back. He explains, "I wrote the book as a catharsis but [many] readers have wanted to open up to me about their own abusive situations."

Regarding plane wreckage in West Milford, NJ.