EP 260 Health Insurance in the US Pre to Post ACA Affordable Care Act or Obamacare I’ve been purchasing my own health insurance for more than 20 years and also have an HR background – Want to share from my unique perspective some of what you might not realize As it is with communication about all challenges today it seems that all anyone will do is talk about the negatives from either side in an attempt to “win”, tear the “other side” down. I actually had an experience where an elected official was holding a virtual town hall.  Topic was health insurance.  I “raised” my hand to share my thoughts.  I’m pretty sure I was vetted out.  A staff member spoke with me before I was able to go live.  They asked my thoughts and then told me they likely would not have time for me to comment.  The town hall lasted for a very long time while constituents shared positive views only about the ACA. So, here’s my personal, been there, done that perspective. As with all complex programs there are both positive and negative. I’m not going to share a bunch of legal-eze.  These are my personal thoughts, experiences, and opinions.  I hope it will bring a balanced & realistic perspective. Used to be able to join the Farm Bureau – or some other organization/group to receive a group rate.  Able to personally purchase a plan with coverage similar to an employer plan. Group Experience Ratings Personal Experience Ratings Pre-Existing Conditions – Insurer of Last Resort  Young Adult Ryders Coverages – Childbirth, Mental Health, Substance Use Disorders Required Coverage – Supposed to be a part of keeping coverage rates down.  Assure that pool of covered included premiums from healthy. Low-users - My opinion-  did more to increase profits  Deductibles - Negotiated Rates –  My opinion - Profits – High cost – high deductibles – Departments focused on denying coverage – Required Coverage to make sure the pool was healthy and unhealthy -  MyImpactAcademy.com/Call MyImpactAcademy.com/Join

260 Health Insurance in the US Pre to Post A.C.A.

You were born with individual strengths and a unique purpose. Don’t let fears, false beliefs, or life’s happenings diminish your influence!  
	
It’s time to Live and Lead for Impact!

Host, Kirsten Ross, expert of transformation, will help you Defeat the Drama and Overcome the Trauma that can stop you in your tracks.

You’ll gain focus, find confidence, and take bold action…. Unleash passionate, purposeful you!   

Make your impact as a business leader, family business employee, volunteer, parent, mom, or dad.  Find the tenacity to be a warrior for your unique impact! Let’s Go!!

Business

Investing

Careers

Management & Marketing

Business News

Shopping

Non-Profit

Government & Organizations

Management

EP 312 Leslie Kuster   On this episode of The Live and Lead with Impact Podcast, Coach Kirsten is joined by guest, Leslie Kuster! Leslie Kuster is a successful entrepreneur whose goal is to guide women over 50 to find freedom and financial stability and fall in love with life again. Coach Kirsten and Leslie speak about how it’s never too late to create success, financial wealth and create a life of freedom. Leslie gives us an insight into the seven master keys women need to unlock a successful, money-making businesses through the likes of principles, tools and steps that Leslie trialled and tested for over 20 years. Coach Kirsten and Leslie discuss how mindset is one of the key differentiators between entrepreneurs and successful entrepreneurs. Leslie speaks about how you have to start from the inside out by getting aligned with what authentic success means to you and figuring out what your attitude and relationship with money really looks like in order to build a 6+ figure business. Coach Kirsten and Leslie talk through the challenges Leslie faced regarding money, what she wanted and what she yearned for. Coach Kirsten and Leslie also speak about a less commonly discussed topic when it comes to financial freedom and building a successful business: What does success do to your life? Leslie speaks about having imposter syndrome and fear of failure but also shares how she more so struggled with the worries of how becoming successful will change her life, affect her relationships and dealing with the change. Coach Kirsten and Leslie speak about Leslie’s currently big challenge of learning how to delegate and chose the right people for your team. Leslie shares how she has been struggling to build great teams to help her run her women’s clothing brand, Back from Bali, so that she can focus on her new consulting business without Back from Bali having to suffer through the loss of her attention.  Leslie reminds us with her words of wisdom to those looking to start a successful business that success will look different for everyone based on what each individual wants and yearns for. Leslie states that you matter, you can and if you really want it then that’s you’re spirit talking to you and you have to listen as it’s not something everyone experiences! You can find out more information about Leslie and her businesses, or get in contact with her through the following links: https://www.lesliekuster.com https://www.amazon.com/backfrombali  www.lesliekuster.com/book www.lesliekuster.com/7mistakes www.instagram.com/lesliekusterofficial https://www.facebook.com/LeslieKusterOfficial/ www.linkedin.com/in/lesliekuster https://www.youtube.com/channel/UCBtp1gkqsNilja1ehn4NHHw If you enjoyed this episode and want to gain a deeper insight into everything Coach Kirsten has to offer you, head over to the following websites: www.FocusForwardCoaching.com/bookcall/

EP 312 Leslie Kuster

Ep 311 Donna Dahl Please welcome Donna Dahl. She is an award-winning empowerment coach who has written six books. She was listed as one of the top 20 Empowerment Coaches in the world and her articles appear in print as well as online publications. She is the author of Lesson I Learned from the Tortoise a popular self-empowerment book. Donna explains what it means to be an empowerment coach and tells us it’s for people who want to make that next step in their lives, whether it’s a career change, a promotion in their job or a new side hustle. Donna opens up about how she was heavily bullied when she was in school which never allowed her to build any confidence in herself. She talks about how when she’d make a mistake playing piano at a recital, she’d feel awful for days. She also discusses a car accident she was involved in which shifted her entire world and forced her to reinvent herself. It’s these two life events which pushed her into being an empowerment coach. Kirsten asks about the strategies Donna used to navigate through her personal transformation, as Donna tells us about her completing her master’s degree in educational psychology, where she focused on memory and self-learning. Later she was asked to write an article for a magazine and quickly after was encouraged to write a book, which launched her coaching enterprise. If you think you might want to engage with Donna, some of the things you may be feeling like your current line of work isn’t a fit for you. You may ask yourself if you’re in the right field but looking for a new place to work which would fit better or perhaps you’re considering a whole new field. Kirsten asks about a current challenge Donna is facing, and she tells us she is struggling to find leaders withing corporations which are in need of support. Kirsten recommends connecting to the people who work with leaders and recommends networking and connecting generally. She recommends not falling into the trap of quantity over quality and to go with authentic curiosity. Donna finishes with her words of wisdom, where she recommends to take life as marathon, and spice it up with sprints. You can find Donna’s book on Amazon which is called Lessons I Learned From The Tortoise and reach out to Donna and connect with her on her website donnapdahl.com If you enjoyed this episode and want to gain a deeper insight into everything Coach Kirsten has to offer you, head over to the following websites: www.myImpactacademy.com/join  www.focusforwardcoaching.com/bookcall/

Ep 311 Donna Dahl

EP 310 Jeff Marconnette, Jr On this episode of The Live and Lead with Impact Podcast, Coach Kirsten is joined by Jeff Marcontette Jr. Jeff Marcontette Jr. shares his incredible story of how one life altering moment shaped the man he is today and gave him an opportunity to help others make every second count! Jeff Marcontette Jr. is a transformational speaker, author, coach, youth mentor and host of Make Every Second Count. Coach Kirsten and Jeff discuss the moment Jeff’s live changed forever when a semi-truck ran a red light and t-boned him, leaving him unconscious and leading to two weeks in a coma whilst many serious injuries including a traumatic brain injury that proceeded to affect his speech and movement. Jeff speaks about how he feels empowered when he gets the opportunity to speak to others and remind them why it's so important to make every second count, as not many people get a second chance at life but he is one of them. Jeff shares how he began his transformation speaker career two years after his accident and how learned that mindset is the most powerful tool we can use. Coach Kirsten and Jeff talk about how we cannot control the events that occur throughout our lives and to those around us, but what we can control is our reaction towards these events and how we chose to move forward from them. Coach Kirsten and Jeff work through some money mindset strategies and feelings of guilt that come with charging for your time and knowledge. Coach Kirsten reminds us that we must not de-value ourselves, even when doing what you do out of passion and not a desire for money. Coach Kirsten states that others cannot benefit and take value from sharing our experiences and life lessons if we don’t value then ourselves. Jeff shares some inspiring words of wisdom for those who want to make an impact in the world and expresses how transformational affirmations have been in his life, but how they only work if you have a consistent routine in which you use them. Coach Kirsten and Jeff encourage you to take the opportunities and make the jump on the things you have been putting off because tomorrow is never guaranteed so you need to make every minute count! To get in touch or find out more information about Jeff you can find him through the following links: www.jeffmarconettejr.com www.youtube.com/c/jeffmarconettejr www.instagram.com/jeffmarconettejr www.facebook.com/jefijr www.linkedin.com/in/jeffmarconettejr If you enjoyed this episode and want to gain a deeper insight into everything Coach Kirsten has to offer you, head over to the following websites: www.FocusFowardCoaching.com/bookcall/

EP 310 Jeff Marconnette, Jr

Ep 309 Denise Fawn Schroder Denise is a top-ranked realtor in Oklahoma and the CEO of Schroder Real Estate Group with her husband, Troy. They have sold 650 homes in just 10 years and their mission and motto is "Serve like you are Chosen." Denise is a coach, speaker, marketing strategist, realtor and author of the new book, “Out of the Box”. Denise begins by talking about her desires of becoming a real estate agent 20 years ago, but she was told she couldn’t do it by her ex-husband and father of her children. She left that toxic relationship and met a FedEx driver who she fell for. They blended a family of 5 teenagers, quit their jobs to became self-employed and got into the financial service industry, but some advice from a friend turned out to be untrue, so they left that industry and decided to move back to real estate. Kirsten dives deeper into Denise’s past relationship, with Denise telling us she lost herself, but the new relationship changed her life in so many ways. She talks about the differences she gets between her current relationship and her previous one, and how much healthier she is now. Kirsten talks about how faith-based people often see themselves as fixers to the detriment. Denise talks about how she didn’t want the unhealed parts of herself to hurt anyone else, so she was able to focus on healing herself. She also talks about how the people around her tried to fix her, but there’s no magic pill or cookie cutter method, you have to put in the work yourself and go on the journey Denise also discusses her own guilt and shame and feeling like a failure, but found a place where her failures and mistakes gave her more credibility and to be a beacon of hope to others looking to find their way out of their own situations. Kirsten asks Denise about her big challenge right now, as she explains with her publisher dying 4 days before her book came out, she feels quite overwhelmed with all of the things she has to do on top of her book. Kirsten recommends paring down what goes on her list of things to do, and recommends a 24/7 blend. Kirsten also gives Denise a few tips on mindset and how she can better adapt her thinking to save her from overwhelm. Denise shares with us about her book, saying how she shares her unique marketing approaches, using a social media presence that was really different to what everyone else was doing by using things like TV, media, press release, human interest stories and podcast guesting. She also shares her tips on how to make yourself vulnerable on social media. Denise’s final words of wisdom are that no matter what phase of life we are in, God uses us every day, we’re all missionaries, so seek every opportunity to help others. We all have story, so share it with others because you never know what impact it could make, where she shares a wonderful story where a social media post of hers saved a life. You can find the book on Amazon called Out of the Box by Denise Schroeder at just $4.99 on kindle so please feel free to leave an honest review. Make sure to check out her website www.deniseandtroy.com and her social media profiles: Instagram: www.instagram.com/Denisesellsoklahoma  FB:  www.facebook.com/tdschroder , Tik Tok: troyndenise If you enjoyed this episode and want to gain a deeper insight into everything Coach Kirsten has to offer you, head over to the following websites: www.myImpactacademy.com/join   www.focusforwardcoaching.com/bookcall/

Ep 309 Denise Fawn Schroder, Out of the Box

Ep 308 Drs. Michael and Barbara Grossman For over twenty-five years, Drs. Michael and Barbara Grossman have taught thousands of couples practical skills to create a fulfilling romantic partnership. They have TV appearances on CBS, NBC, Fox, and CW. Tune in to this powerful interview to discover the secrets to having a fulfilling long-term romantic partnership with a genuine love that lasts forever through all the phases of life. Michael starts by explaining to us he is an anti-aging longevity doctor, who has been practicing since around 1973, and he absolutely loves it. Barbara adds they work with families who are married who are experiencing challenges keeping it all together and keeping their romance alive, while balancing work. Given Kirsten’s husband is 16 years younger than her, she is very interested in Michael’s longevity work! Michael talks about the dramatic effects menopause has on the woman’s body and how it can lower libido. Michael says he uses natural hormones which are bioidentical to help you live a healthier longer life, rather than synthetics, which can do the opposite. Barbara goes into some detail about their workshops and some of the strategies they give to couples. Barbara talks about what couples need to feel valued in a relationship, and says she teaches couples how to talk and how to reinforce and create love. Kirsten asks about what brought them together to do this work. Michael says the inspiration from the natural change which comes in a romantic relationship. He talks about how their relationship changed when Barbara went to graduate school and how they needed to pivot. Barbara also shares her perspective on that change and talks about how they decided to share their knowledge with others. Kirsten asks them about challenges they have in their business and Michael shares that their main problem is they have so much content out and coming out very soon, they don’t know how to market it all or get out and do the events. Kirsten suggests finding the right people you can trust to be around and help make the key decisions. Kirsten also suggests a bunch more solutions such as looking towards people who are willing to put in the work and understanding the importance of it, as well as business owners who may be susceptible to life balance issues. Finally, the guys share their words of wisdom, with Barbara sharing with us that no matter how you feel, there is a way to grow your relationship and have it be magnificent. Michael adds you need skills to make these things happen and most don’t learn them from their parents, so you need to go out a learn them for yourself. Barbara shares with us that herself and Michael are competitive ballroom dancers and have a dance show where they incorporate the stages of development of a relationship into their routines. You can check out Barbara and Michael’s new book called ageless Love: Prescription from Mind, body and Spirit, or their previous book, Secrets to Deep and Effortless Meditation which you can find at https://fallinginloveforever.com/. It’s also where you can all the information on their courses and classes if you’re interested. If you enjoyed this episode and want to gain a deeper insight into everything Coach Kirsten has to offer you, head over to the following websites: www.myImpactacademy.com/join  www.focusforwardcoaching.com/bookcall/

260 Health Insurance in the US Pre to Post A.C.A.

Download our free app to listen on your phone