In this episode, Craig and I discuss four key factors in money and security- Discipline Purpose Strategy Fear  The right financial advice can help prepare you for whatever life brings — both the expected and the unexpected. When you work with Craig Stiles you receive: 1:1 financial advice based on your goals and needs. Personalized recommendations for a diversified portfolio, and solutions to help protect you from uncertainty. Regular meetings to review your goals, progress and investments. Anytime access to your investments and digital tools to help you stay on track. Ready to learn more? Getting started is as easy as meeting for a complimentary initial consultation whenever it’s convenient for you.

I met Mike Draheim when taking my grandkids to this 'Sports Conditioning' gym, I was intrigued to say the least. Coach Mike Is an amazing trainer, coach, and businessman. I heartily endorse his conditioning, it works and is worth every penny. See for yourself: https://xlr8foxvalley.com/ What To Expect at XLR8 Sports Training: It’s a science-based training solution that delivers real on-the-field results for athletes looking to improve their athleticism. From sprint speed, acceleration, agility, foot speed, strength, endurance, recovery, or getting back into the game after injury or time off, we can design a personal program to help you achieve your goals. We are not the one size that fits all program. Our programs focus on the individual’s needs and goals. For our XLR8 Speed Training we typically start with the athlete’s running mechanics and posture to make sure the arm and leg swing are in line to minimize wasted movement and deceleration while running. We also work on agility and overall body strength to increase their deceleration while running. We also work on agility and overall body strength to increase their athleticism. We train in small groups, but each appointment is scheduled so we know who is coming in to ensure each athlete is getting the workout they specifically need.

It is the season 15 kickoff show, so that means Dr Debbie is on the program as she has been for our previous many kickoffs! From her boys being in elementary school to now, college life keeps on keeping on, and we all get a little wiser. The author of the fab book "The Mentorship Edge", today we talk about 'Quantifying Your Impact', what does that mean, and how do we positively encourage growth. Small wins, small acts of kindness, they all add up to significance, but how significant? That is the impetus behind the topic of 'Quantifying Your Impact' and "The Legacy Tree".

Dr Draper and I discuss these points on this show- Get a hearing test. Our hearing changes gradually over time as we age. We don't usually notice these changes, because they happen slowly, and because they affect only part of the sound spectrum at a time. Even if you don't think you have significant difficulty hearing, you might be surprised by what you're missing. And even if your hearing is great, it's good to establish a baseline for ongoing measurements. (If you want to talk about dementia risk and stuff, that can go here.) Look for an audiologist, because expertise matters in diagnosing and treating hearing loss. There are two kinds of professionals that work with hearing: audiologists, and hearing instrument specialists. Audiologists now require doctoral degrees, while HIS only need a high school diploma. Just like physicians and pharmacists, it used to be that audiologists tested and diagnosed hearing loss, while HIS dispensed hearing aids. Since hearing aids are more complicated than a pill, that clear-cut division broke down, and now most state laws treat the two nearly identically. (Audiologists will refer you to an otolaryngologist, or ear/nose/throat doctor, if you have any medical issues.) Hearing aids can help a lot, but there's more to it than just the devices. There are many hearing aids on the market. Generally, the more you pay, the better the hearing aids will do in background noise or other complicated sound environments. But no matter how much you spend on hearing aids, they won't be perfect out of the box. You'll need a good audiologist to configure and program your hearing aids, so they're right for your hearing and your lifestyle. And wearing hearing aids can be an adjustment process: you may need to gradually work your way up to your full prescription volume over the course of several weeks. (If you want to talk about over-the-counter hearing aids, maybe that can go here.) Speaking of expertise, make sure your audiologist performs some kind of Real Ear Measures. Your audiologist should test how hearing aids are working while they're in your ears, as opposed to just a laboratory environment. Everyone will tell you it's a good idea, but not enough providers actually do it. I've seen plenty of patients wearing hearing aids that don't fit well and sound annoying. These folks might even be convinced that they need new hearing aids. I can usually make adjustments, so people's hearing aids are more clear and comfortable than they've ever been. Find Dr. Draper at https://www.allabouthearingservice.com/

In this provocative interview with former Michigan State University wide out Tre Mosley and mentor Brock Fletcher understanding the depth of what a D-1 student athlete must endure to be successful is not emphasized enough. In this episode be listening for talk about- Levels of maturity in young people NIL (Name Image Likeness) Time management Interpersonal skills Bringing value to others Why Tre chose MSU for a college Mark Dantonio Tre Mosley attended high school at West Bloomfield . In Tre's junior season, he brought in 55 receptions for 1,030 yards and ten touchdowns. Coming out of high school, Mosley was rated as a three-star recruit, the 21st-ranked prospect in Michigan, and the top overall receiver in Michigan in the class of 2019. [2] Mosley also held offers from schools such as Michigan State, Michigan, Minnesota, Missouri, Oregon, Purdue, and Cincinnati. Mosley ultimately decided to commit to play college football for the Michigan State Spartans . In the 2019 regular season finale, Mosley tallied eight receptions for 73 yards, as he helped the Spartans beat Maryland . Mosley finished his freshman season playing in six games where he caught 21 passes for 216 yards and a touchdown. During the COVID shorted 2020 season, Mosley caught just seven passes for 71 yards. In the 2021 season, Mosley would have a breakout season notching 35 receptions for 530 yards and three touchdowns. During the 2022 season, Mosley hauled in 35 receptions for 359 yards and four touchdowns. In Mosley's final career season in 2023 he notched 28 receptions for 288 yards and two touchdowns. After the conclusion of the 2023 season, Mosley decided to declare for the 2024 NFL draft .

Home sellers, just like buyers, have a specific set of concerns and questions they need answered to feel confident in the process. Their questions often revolve around pricing, timing, and what to expect during the transaction. Here are the top 10 questions home sellers have, based on common inquiries and market trends: What is my home really worth? This is the most fundamental question. Sellers want to know a realistic and accurate valuation of their property in the current market. They often seek a comparative market analysis (CMA) from their agent, which compares their home to similar properties recently sold in the area. How do we determine the best asking price? While related to the home's value, this question is about strategy. Sellers want to know if they should price it high to leave room for negotiation, or price it competitively to attract multiple offers and a bidding war. The answer depends heavily on local market conditions. What repairs or improvements should I make before listing? Sellers want to know what they can do to get the best return on their investment. They are looking for advice on whether to undertake major renovations or just focus on smaller, cosmetic fixes like a fresh coat of paint, decluttering, or enhancing curb appeal. What are the total costs involved in selling my home? Sellers are often surprised by the number of fees they are responsible for. They want a clear breakdown of all expenses, including real estate agent commissions, closing costs, title fees, transfer taxes, and any money they may need to spend on staging, photography, or repairs. How will you market my home to attract buyers? Sellers want to know their agent has a comprehensive marketing plan. This includes questions about professional photography, virtual tours, online listings (on MLS, Zillow, etc.), social media promotion, and open houses. How long will it take to sell my home? This is a question about a seller's timeline. They want to set realistic expectations for the process, from the time it is listed to when the transaction is closed. This timeline is crucial if they are also planning to buy a new home. Is now a good time to sell? Sellers are always trying to time the market. They want to know if it's a seller's market (fewer homes for sale, high demand) or a buyer's market (more homes, lower demand). Their agent should provide a clear picture of the current market climate in their specific neighborhood. What should I disclose to potential buyers? This is a key legal and ethical question. Sellers want to know what property issues or defects they are legally required to disclose to buyers to avoid future legal complications. The rules for disclosure vary by state and local laws. What if a buyer's offer comes with contingencies? Offers with contingencies (e.g., home inspection, appraisal, or financing) are common. Sellers want to understand what these mean, which ones are negotiable, and what the risks are of accepting an offer with certain conditions. How will you handle multiple offers? In a hot market, sellers may receive multiple offers. They want to know how their agent will organize and present these offers, and what strategies they can use to negotiate the best possible price and terms, not just the highest bid.

Home sellers, just like buyers, have a specific set of concerns and questions they need answered to feel confident in the process.  Their questions often revolve around pricing, timing, and what to expect during the transaction. Here are the top 10 questions home sellers have, based on common inquiries and market trends: 1. What is my home really worth? This is the most fundamental question. Sellers want to know a realistic and accurate valuation of their property in the current market. They often seek a comparative market analysis (CMA) from their agent, which compares their home to similar properties recently sold in the area. 2. How do we determine the best asking price? While related to the home's value, this question is about strategy. Sellers want to know if they should price it high to leave room for negotiation, or price it competitively to attract multiple offers and a bidding war. The answer depends heavily on local market conditions. 3. What repairs or improvements should I make before listing? Sellers want to know what they can do to get the best return on their investment. They are looking for advice on whether to undertake major renovations or just focus on smaller, cosmetic fixes like a fresh coat of paint, decluttering, or enhancing curb appeal. 4. What are the total costs involved in selling my home? Sellers are often surprised by the number of fees they are responsible for. They want a clear breakdown of all expenses, including real estate agent commissions, closing costs, title fees, transfer taxes, and any money they may need to spend on staging, photography, or repairs. 5. How will you market my home to attract buyers? Sellers want to know their agent has a comprehensive marketing plan. This includes questions about professional photography, virtual tours, online listings (on MLS, Zillow, etc.), social media promotion, and open houses. 6. How long will it take to sell my home? This is a question about a seller's timeline. They want to set realistic expectations for the process; from the time it is listed to when the transaction is closed. This timeline is crucial if they are also planning to buy a new home. 7. Is now a good time to sell? Sellers are always trying to time the market. They want to know if it's a seller's market (fewer homes for sale, high demand) or a buyer's market (more homes, lower demand). Their agent should provide a clear picture of the current market climate in their specific neighborhood. 8. What should I disclose to potential buyers? This is a key legal and ethical question. Sellers want to know what property issues or defects they are legally required to disclose to buyers to avoid future legal complications. The rules for disclosure vary by state and local laws. 9. What if a buyer's offer comes with contingencies? Offers with contingencies (e.g., home inspection, appraisal, or financing) are common. Sellers want to understand what these mean, which ones are negotiable, and what the risks are of accepting an offer with certain conditions. How will you handle multiple offers? In a hot market, sellers may receive multiple offers. They want to know how their agent will organize and present these offers, and what strategies they can use to negotiate the best possible price and terms, not just the highest bid.

In this episode Tony and I discuss the following on “transitions in life:” Performance living: Performance = skill minus interference Refirement zone vs retirement: what is your purpose? What brings you joy? Transitions cause stress (from high school to college to job to …): Stress = pushing past one’s perceived limits and then allowing for recovery Stress, anxiety, depression, sleep difficulties, debt => impediments to success Expectations to perform, be perfect, be tough… Social media and perfect life… Keep climbing the ladder (each rung closer to success) Resilience and Well-Being: Resilience = acquired ability to recover , adapt , and grow from stress Resiliency and well-being by managing stress with coping and self-care skills ? Time management Healthy sleep, eating, exercise habits Learning opportunities to build resilience… Building blocks to success => Turn obstacles into opportunities… Kindness, compassion, love, and respect (for yourself and others) => healthy relationships “You are powerful. Being empathetic, compassionate, grateful, caring, and kind are human being’s greatest strengths.” Wonder Drug (Drs. Trzeciak & Mazzarelli): 7 scientifically proven ways that serving others is the best medicine for yourself!! Start Small : 16 minutes Rx; give, help, care, and connect more; kind acts, compassion, and selfless service for others Be Thankful : write/send thank you notes as appreciation Be Purposeful : being part of something larger than yourself that can make a difference for others; what can I do to make your day a little better? Find Common Ground : children, sunset, cry, etc. See It : see it to feel it Elevate : gravitate toward people who do kind things for others and are happy about it, and you’ll boost your own happiness Know Your Power : using your time, talent, and treasure to serve others; strengthen relationships; decrease chronic stress and systemic inflammation and boost immune system; hope matters and belief in recovery matters Anthony M. Avellino, MD, MBA Chief Medical Officer | HonorHealth Medical Group, Specialty Care Associate Dean for Clinical Faculty Affairs, Chair of Department of Clinical Sciences, and Professor of Medicine, Arizona State University School of Medicine and Advanced Medical Engineering

Tommy Vento is an ICF Certified Personal Development Coach at Good Soil Coaching. He specializes in faith-based, neuroscience-backed growth with emphasis on the 'Who' over the 'How' of achievement. A former Michigan State Quarterback as part of the 2015 Class that included wins at the Rose Bowl, Cotton Bowl, and a trip to the College Football Playoff, he also focuses on Leadership Training, as well as Team & Culture Building. Tommy was a quarterback at Michigan State University from 2011-2015, and part of the winningest senior class in program history. He was a member of the 2013 Rose Bowl, 2014 Cotton Bowl, and 2015 College Football Playoff teams, as well as the 2013 & 2015 Big Ten Championship teams. He went on to play professionally in France, leading his team to an undefeated National Championship season. Prior to this, he was a State Champion & All-State quarterback in High School, and winner of the Mr. Football award for the state of Michigan. He lives in Colorado and is a lifelong learner, who enjoys skiing, biking, reading, movies, and time with family. Skilled in Leadership, Coaching, Interpersonal Skills, Dynamic Problem Solving, Communication, Project Management, Strategic Planning, Client Relations, Finance, Accounting, Teamwork, Microsoft Excel, Microsoft Word, Google Suite. Strong sales and business development professional graduated from Michigan State University.