changing jobs

A job change is a big change, and it's one of those changes happening to people with greater frequency for a variety of reasons. For many of these job seekers and switchers, past and future employers offer some kind of retirement savings plan, meaning these job transitions come with decisions to make around retirement planning for those investing in them.

Do you leave your 401(k) where it is? Roll it over to a new one? Open a new account and put the money in there? What are your other options? The right choice for your situation isn't always clear. This episode's guest, Sarah Buchardt, a corporate financial consultant and CERTIFIED FINANCIAL PLANNER™ professional at Schwab, will help us navigate these questions.

To read the study Mark references on the connections between gratitude and a charitable mindset, check out "Gratitude, Finance, and Financial Gratitude Reminders in Charitable Giving: A Repeated Experiment Over Time" in Financial Services Review.

Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit Schwab.com/FinancialDecoder. 

If you enjoy the show, please leave us a rating or review on Apple Podcasts.

Important Disclosures

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. All expressions of opinion are subject to changes without notice in reaction to shifting market, economic, and geopolitical conditions.

Data herein is obtained from what are considered reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed. Supporting documentation for any claims or statistical information is available upon request.

Investing involves risk, including loss of principal.

All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.

​This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, Financial Planner, or Investment Manager.

A rollover of retirement plan assets to an IRA is not your only option. Carefully consider all of your available options which may include but not be limited to keeping your assets in your former employer's plan; rolling over assets to a new employer's plan; or taking a cash distribution (taxes and possible withdrawal penalties may apply). Prior to a decision, be sure to understand the benefits and limitations of your available options and consider factors such as differences in investment related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to your individual circumstances.

The Schwab Center for Financial Research is a division of Charles Schwab & Co.

There are certain eligibility requirements for working with a dedicated Financial Consultant. 

Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.

Spotify and the Spotify logo are registered trademarks of Spotify AB.

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In this enlightening episode, we delve deep into the art and science of career transitions. Whether you're contemplating a shift to a new industry or a different role within your current sector, making the leap can be both exciting and daunting. We break down nine actionable tips to guide you on this journey:

1. Conduct Self-Assessment and Research: Understand your why and what's out there.
2. Identify Transferable Skills: Recognize the strengths you can bring to a new role.
3. Network and Build Relationships: Forge connections that can open doors.
4. Acquire Additional Skills and Knowledge: Equip yourself for the new challenge.
5. Tailor Your Application Materials: Make your resume and cover letter stand out.
6. Seek Mentorship and Guidance: Learn from those who've been there.
7. Gain Practical Experience: Get your feet wet and build credibility.
8. Be Adaptable and Open to Learning: Embrace change and new opportunities.
9. Stay Persistent and Resilient: Keep pushing forward, even when the going gets tough.

Join us as we unpack each tip, sharing insights, anecdotes, and expert advice to help you navigate your next career move with confidence and clarity.

Connect With Us:
Website: https://paulsandhuindustries.com/
Facebook: https://www.facebook.com/paulsandhuindustries
Youtube: https://www.youtube.com/channel/UC-LjC0A4I37T9fT8EQvlrOw

Welcome to Psychic School, where we explore the fascinating realms of religion and spirituality. Join us as we dive deep into the mysteries of belief systems, questioning the foundations of the divine, and navigating our spiritual journeys.

In this mind-expanding episode, our host, a thought-provoking speaker, shares their personal experiences and musings on the intertwining paths of religion and spirituality. From childhood memories that sparked a hunger for connection to the peculiar influences of Mercury retrograde, we delve into the unexpected encounters and profound realizations that shape our spiritual beliefs.

Drawing upon their eclectic background, our host delves into the cosmic dance between astrology and our everyday lives, revealing how the celestial bodies influence our experiences. While acknowledging their limited expertise in astrology, our host opens up about the powerful events they have witnessed during Mercury retrograde and their intention to explore astrology further in future episodes.

With a reflective lens, our host shares their own upbringing within a religious household and the subsequent journey of self-discovery. From questioning traditional beliefs to finding solace in repetition through the Holy Rosary, we explore the realms of hypnotic trances and accessing the universal source of energy.

As the conversation unfolds, our host fearlessly raises thought-provoking questions about the role of dreams, prophecies, and supernatural phenomena in religious and societal contexts. With an open heart, they challenge the skepticism towards psychics and emphasize the importance of embracing diversity in perspectives, respecting all belief systems, and fostering personal growth through encountering contrasting viewpoints.

The Psychic School podcast encourages listeners to explore beyond the boundaries of conventional thinking, encouraging empathy and understanding through shared experiences and thought-provoking discussions. Join us on this enlightening journey as we navigate the intricate tapestry of religion and spirituality, aiming to uncover the underlying connections that unite us all in this vast universe.

Come join our community at Psychic School as we forge ahead with wisdom, compassion, and an insatiable thirst for spiritual understanding. Open your mind, heart, and soul to experiences that defy explanation, and embark on an enlightening voyage of self-discovery and connection with the divine. Welcome to Psychic School, where the mysteries of the universe unfold before your very ears.

Welcome to the Aphantasia Experiments podcast. In this episode, titled "Embracing Diversity in Beliefs: Navigating the Intersection of Religion and Spirituality," join our host as they navigate the complex landscape of belief systems and dive into their own personal journey. From questioning religious beliefs to exploring different spiritual practices, our host seeks to understand the significance of these aspects in their own life and in the world at large.

In this thought-provoking episode, our host reflects on their childhood experiences and the disconnect they felt within their family. As they open up about their spiritual side to their husband and begin to embark on a new path, they contemplate the influence of celestial events like Mercury retrograde and strange happenings that often occur during this cosmic phenomenon.

Our host delves into their own upbringing in a household where religion played a nominal role, but a fascinating encounter with the Holy Rosary sparks their curiosity about the hypnotic trance and tapping into a higher source. They ponder the existence of a cosmic energy, viewing it as a plasma source akin to the Big Bang Theory, and strive to find their place within the metaphysical "video game" of life.

Throughout the episode, our host reflects on the importance of respecting and recognizing all belief systems, sharing personal stories of encounters with concepts such as prophecies and religious figures, like Mother Mary appearing in various forms. They question why dreams and prophecies are often dismissed in society while acknowledging that spirituality, whether true or not, can still have a positive impact on the lives of others.

With kindness, understanding, and love as their guiding principles, our host strives to be authentic in their communication and seeks to understand why diversity in religious beliefs and viewpoints should be embraced and respected rather than judged. Exploring the connection between near-death experiences and religious epiphanies, they reflect on the interconnectedness of all beings and the potential guidance from the universe to have faith in something beyond ourselves.

Join us in this enlightening episode of Psychic School as we embark on a journey of self-discovery, explore the intersection of religion and spirituality, and delve into the depths of the human soul. Tune in to unlock the secrets of the universe and expand your understanding of the metaphysical realm.

In this episode, we hear Jodi's story. Jodi started her career in finance and developed a love of travel. She also had a passion for gender-lens investing and nonprofits that served young women. As she progressed in her career, Jodi faced a crossroads in her life. How would she find a path that fit her values?

The company that Jodi founded is Connecting Growth Globally. CGG connects people to meaningful travel experiences in Africa, Central America, Southeast Asia, the US, and other locations.

Follow Financial Decoder for free on Apple Podcasts or wherever you listen.

Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit Schwab.com/FinancialDecoder. 

If you enjoy the show, please leave us a rating or review on Apple Podcasts.

Important Disclosures

The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

Schwab Charitable™ is the name used for the combined programs and services of Schwab Charitable Fund™, an independent nonprofit organization, which has entered into service agreements with certain subsidiaries of The Charles Schwab Corporation.

These testimonials, statements, and opinions are given by the individual(s) based solely on the person's experience with Schwab Charitable Fund, not with any services offered by a third party, and may not be representative of the experiences of other advisors or clients. The testimonials are voluntarily provided and no compensation, free products or services, or any benefits were given in exchange for the testimonials. They are not indicative of future programs, services, performance, or success. Some statements have been edited.

Market fluctuations may cause the value of investment fund shares held in a donor-advised account to be worth more or less than the value of the original contribution to the funds.

Jodi is a client of both Schwab and Schwab Charitable and was not compensated by Schwab for their comments. The experience described may not be the experience of all clients and is no guarantee of future performance or success.

Investing involves risks, including loss of principal.

International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets. Investing in emerging markets may accentuate this risk.

Connecting Growth Globally is not affiliated with Schwab. 

All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.

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From a young age we’re taught that ‘education is the key’, but what if after years of studying in the field of law you decide to completely change direction? Will it get you ahead of it all, or have you wasted your time? 

In this special bonus episode Mike Madison chats with lawyer, investor, and author Adam Pascarella of “Reversed in Part: 15 Law School Grads on Pursuing Non-Traditional Careers” about whether law is a gateway to a lot of things, not just practising law. 

CREDITS: 
Guest: Adam Pascarella - https://www.adampascarella.com/   
Book: ‘Reversed in Part: 15 Law School Grads on Pursuing Non-Traditional Careers’ - https://reversedinpart.com/ 
Host: Mike Madison
Executive Producer: Pariya Taherzadeh 
Editor/Mixer: Pariya Taherzadeh

This podcast is powered by Queensland University of Technology.

Head to www.thefuturelawpodcast.com for more information. 

Thanks for listening! 

See omnystudio.com/listener for privacy information.

You’ve likely heard of the 80/20 rule, right? Where 20% of any input contributes to 80% of the results.

Today, I’m here to slightly contest this idea, because I think there is any even smaller subset of people are are REALLY doing what it takes to create the significant impact we truly desire to make in the world. Who are truly getting what they want out of life.

So, how do you become part of the 10% of people who are making sh*t happen?

No, the answer is not “work your a$$ off.” Believe me, I’ve tried this in my life, and this is not it. The truth is actually quite simple (though perhaps not always easy, due to some black tentacles I share about in the episode.)

Listen in to hear me describe the mindset of the top 10% and how adopting their practices will propel you to new places — in your job, business, and in life.

After listening to the episode, ask yourself:

• What is a recent instance I can think of where judgment crept in and stopped me from taking action?
• Next time I’m faced with a challenge, how can I “just do” instead of allowing the tentacles of overthinking to creep in?

———
Are you ready to up level your fun and creativity, inviting more joy and abundance into your life? 

Here are a few ways to join in the fun with Jen:

• Apply to be a guest on the podcast
• Apply to work with Jen in her 12-week coaching program

Stay connected

• Follow Jen on Instagram @chromaticjen_
• Join the FB Group

Join Brilliant Breathwork, the monthly membership offering multiple weekly live breathwork sessions with Jen and other trauma-informed facilitators, an extensive vault of replays, and a supportive community for authentic, creative, and radiant growth.

Other ways you can support:

• Share an episode and tag Jen on Instagram @untetheredjen
• Follow/subscribe to get updates of new episodes
• Leave a review!

Connect with Jen

• JenLiss.com
• @untetheredjen

Music created and produced by Matt Bollenbach

Learn more about Leighton:  About Us | SYNERGY HomeCare of Longmont  

An Arkansas native, Leighton started her caregiver career at the young age of 12, taking care of her grandmother who suffered from dementia. She loved the time she spent with her grandmother, learning that the best way to keep calm was to not disagree or try to correct her when she didn’t know where she was or what day it was. She met her grandmother where she was, and it made all the difference in her grandmother’s quality of life.

She went to college where she studied political science and economics – a far cry from caregiving.

She was working at Whole Foods in a customer service capacity and moving up the management ladder thanks to her drive to be successful and do what needed to be done. She and her husband had transferred to a new Whole Foods in Colorado in 2015, where her husband had family.

But one day she had an epiphany. She no longer wanted to be a part of people’s obligatory errands. She wanted to be involved in something more meaningful. Like caregiving. She craved it. So she gave her notice, not knowing what she was going to do, but knowing she needed to do something different.

In 2017 she started working at SYNERGY HomeCare of Longmont as a caregiver and scheduler. She felt fulfilled and kept asking to learn more aspects of the business. After about two years, the owner approached her and said she wanted to sell her business and wanted Leighton to buy it.

“I should have been scared, terrified, even, but for some reason I wasn’t,” she said. So at the end of 2019, just before the pandemic, she became the new owner. She attacked the business from all ends and doubled the company’s revenue in the first year.

She takes a strong interest in memory care clients because it is so personal to her.

She feels that each of her clients have a wealth of experience and memories that are important to preserve and pass along to families who may not have the time to solicit themselves.

She says when we lose a life, we lose a wealth of knowledge.

Her husband works in the business with her as a caregiver.

Even as an owner, she takes shifts caregiving and can fill in when a shift is uncovered. She finds it keeps her close to the business and evens the playing field with her employees.

She believes that she and her caregivers create a symbiotic relationship with their clients. The caregivers benefit by learning from them, understanding their lives and history, while the clients benefit from highly personalized and engaged care. She also believes this connection strengthens communities by creating a shared understanding. In that regard, she says her business philosophy is to focus on community rather than the competition.

She calls her caregivers heroes and angels, but the reality is that she has provided many of them with the opportunity to excel in a career that is not often regarded highly or even seen as a career. She once helped a caregiver get a car because that was what she needed to be excellent in her job. Someone she hired was living in hotels at the time – today she is applying to be a homeowner. She hires people of all types, but the common denominator is kindness. She often finds that the people she interviews lack confidence and she encourages them to brag about themselves.

She offers a flexible and supportive work environment that recognizes that caregivers have a life and a family and hobbies outside of work. Leighton happily covers shifts if her employees have a pressing issue and can’t come to work. She has an employee value proposition:

Caregivers are whole people, with families, hobbies, and lives outside of work. We work to keep non-traditional hours and use unlimited flexibility to create a work-life fit for us and the people we love. Giving caregivers the freedom and flexibility to create their own work-life balance builds trust in our company, but it’s also just the right thing to do. That’s why flexibility is at the core of our benefits and culture.

She is also very tactful when she thinks caregiving is not the right calling for an employee. She prints out multiple job postings and suggests they look into them because she thinks they might make the employee happier. Her feeling is that if you aren’t happy in your job, it will affect your caregiving.

Leighton and her two sisters were raised by a single dad. He always told her you don’t have to go to college – be an artist, be a dancer. He saw the joy about her and never wanted her to lose that.

Family has always been important to Leighton, from caring for her grandmother to today caring for her family of caregivers. She says she has created a family in her business, in which she and her caregivers become part of the client’s family. 

Please leave a review or send us a Voice note letting us know what you enjoyed at:

Back2Basics reconnecting to the essence of YOU (podpage.com)

Follow us on IG and FB @Back2BasicsPodcast

Jaimee joins Ross to ponder whether change really is so good.  Tangents include: The Simpsons; travel; attacking baby crabs; Gloria Vanderbilt glasses from the '80's; stuffed antelope hoof; moving; stress; swifts; Crohn's disease;  finger pickles; life stressors; "bubble of sameness"; old photos; haunted red balls; Mount St. Helens; porch bathrooms.     Take a drink every time you hear the word "junk".

Notes:

1. https://www.stress.org/holmes-rahe-stress-inventory
2. https://www.crohnscolitisfoundation.org/what-is-crohns-disease
3. http://www.horrordvds.com/community/threads/films-with-balls-bouncing-down-stairs.12579/
4. https://www.oregonlive.com/history/2020/05/harry-r-truman-still-believed-in-love-as-mount-st-helens-eruption-loomed-refused-to-leave-the-mountain-that-gave-him-everything.html
5. https://www.decadesvintage.com/eyewear/f378.shtml

Contact us: contactSLH19581980@gmail.com

Shana Recker is a business and quantum leap coach who empowers people to take action on their biggest dreams and desires.

Her experience building her own successful online coaching business has taught Shana that bold, scary ACTION mixed with the right mindset is the path to incredible growth and RESULTS. She learned it's impossible to have everything figured out before you get started.

Shana has helped hundreds of women believe in themselves and their abilities so that they can take action on their dreams. She is a Pritchett Certified You2 Coach and has helped hundreds of people get over their fears and pursue their goals!

“I am the kind of person who follows their heart and refuses to stay in something that isn't bringing me joy” – Shana Recker

Highlights

💫 1:44    Meet Shana Recker

💫 10:26    You don't have to go back to school to make a career change

💫 12:50    Some tips on how to make a Quantum Leap 

💫17:06   Every single successful person has to start somewhere

💫24:32   You're never too old to make a pivot

💫 29:59  What are the 4 stages of the Quantum Leap?

Connect with Featured Guest Shana Recker

✳️ Website: www.shanarecker.com

✳️ Instagram: www.instagram.com/quantumleapqueen


FREE Masterclasses and Workbooks: https://bit.ly/3xXy8Um

Schedule your Career Discovery Call Today: https://bit.ly/3OnuLLO

Let's Connect! 

• LinkedIn: https://www.linkedin.com/in/daniellecobo/
•  Instagram: https://www.instagram.com/thedaniellecobo/
• DREAM JOB FB Community:  https://www.facebook.com/groups/2826110370979215/

10 Day Ketone ChallengeBoost your energy, increase clarity and focus, improve your mood, and quality of sleep, and lose weight. Start with your ten-day challenge by going to dreamjob.challenge.com - start with a savings of $31 off!!! Link to The 10 Day Drink Ketones Challenge: Transform in 10 days!

 
Rate, Review, & Follow on Apple Podcasts

"Danielle is so Uplifting." <-- If that sounds like you, please consider rating and reviewing my show! This helps me support more women -- just like you -- accelerate their career. Click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

https://podcasts.apple.com/us/podcast/dream-job-with-danielle-cobo/id1571797640

Also, if you haven’t done so already, follow the podcast. I’m adding a bunch of special release episodes and, if you’re not following, there’s a chance you may miss out. Follow now!

A Team Dklutr Production

Shana Recker is a business and quantum leap coach who empowers people to take action on their biggest dreams and desires.

Her experience building her own successful online coaching business has taught Shana that bold, scary ACTION mixed with the right mindset is the path to incredible growth and RESULTS. She learned it's impossible to have everything figured out before you get started.

Shana has helped hundreds of women believe in themselves and their abilities so that they can take action on their dreams. She is a Pritchett Certified You2 Coach and has helped hundreds of people get over their fears and pursue their goals!

“I am the kind of person who follows their heart and refuses to stay in something that isn't bringing me joy” – Shana Recker

Highlights

💫 1:44    Meet Shana Recker

💫 10:26    You don't have to go back to school to make a career change

💫 12:50    Some tips on how to make a Quantum Leap 

💫17:06   Every single successful person has to start somewhere

💫24:32   You're never too old to make a pivot

💫 29:59  What are the 4 stages of the Quantum Leap?

Connect with Featured Guest Shana Recker

✳️ Website: www.shanarecker.com

✳️ Instagram: www.instagram.com/quantumleapqueen


FREE Masterclasses and Workbooks: https://bit.ly/3xXy8Um

Schedule your Career Discovery Call Today: https://bit.ly/3OnuLLO

Let's Connect! 

• LinkedIn: https://www.linkedin.com/in/daniellecobo/
•  Instagram: https://www.instagram.com/thedaniellecobo/
• DREAM JOB FB Community:  https://www.facebook.com/groups/2826110370979215/

10 Day Ketone ChallengeBoost your energy, increase clarity and focus, improve your mood, and quality of sleep, and lose weight. Start with your ten-day challenge by going to dreamjob.challenge.com - start with a savings of $31 off!!! Link to The 10 Day Drink Ketones Challenge: Transform in 10 days!

 
Rate, Review, & Follow on Apple Podcasts

"Danielle is so Uplifting." <-- If that sounds like you, please consider rating and reviewing my show! This helps me support more women -- just like you -- accelerate their career. Click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

https://podcasts.apple.com/us/podcast/dream-job-with-danielle-cobo/id1571797640

Also, if you haven’t done so already, follow the podcast. I’m adding a bunch of special release episodes and, if you’re not following, there’s a chance you may miss out. Follow now!

A Team Dklutr Production

Welcome to another episode of “Dream Job with Danielle Cobo”!

In today's episode, I go through some of the most common limiting beliefs that I hear from my clients. Whether you think you're too old to make a change, that you'll never make as much money, or you just don't have the right skill set... this episode will help you push past those fears!

“It's never too late to step into your dream job” –Danielle Cobo

Listen on iTunes, Spotify, and YouTube https://www.daniellecobo.com/dreamjobwithdaniellecobopodcast

Highlights

💫 1:12    Your current skill set will translate into your next role

💫 2:53    You're never too old to start something new

💫 6:11   If you want a higher salary, don't be afraid to ask for it

💫12:45  What is a limiting belief and what causes them?

💫16:52   Some tips on how to move past your limiting beliefs

Connect with Elite Career Coach, Danielle Cobo

❤️ Subscribe to Dream Job-Newsletter: https://www.daniellecobo.com/connect 

❤️ LinkedIn: https://www.linkedin.com/in/daniellecobo/ 

❤️ Facebook Page: https://www.facebook.com/TheDanielleCobo 

❤️ Instagram: https://www.instagram.com/thedaniellecobo/ 

 👠 Join the “Dream Job” Facebook Community: https://www.facebook.com/groups/2826110370979215/ 

A Team Dklutr Production