We are thrilled to present an episode rich with insights for aspiring and current entrepreneurs, with tips from several local experts. Each guest brings a wealth of experience and valuable advice for those looking to start or grow their businesses in Ohio.

We begin by discussing the significance of self-confidence and the myriad of questions that come with starting a business. Our first guest, Katie Ellis, the president and CEO of the Tri-Village Chamber Partnership, highlights the benefits of joining a Chamber of Commerce. Katie explains that chambers offer numerous opportunities for brand awareness, networking, and access to critical resources.

Next, Carol introduces Frank Agin, president of AmSpirit Business Connections. Frank emphasizes the importance of networking in entrepreneurial success. He asserts that businesses thrive through relationships and provides three key networking tips. First, find a mentor who is well-connected and can offer guidance without necessarily charging for their services. Second, focus on building relationships with strategic partners who operate in the same circles but offer different products or services.

Brett introduces Darlene Ziebell, a seasoned business adviser with over three decades of experience. Darlene provides crucial tips on developing a brand, particularly focusing on social media and marketing. She starts by stressing the importance of creating a compelling elevator message that conveys the unique value of a business.

Lastly, Carol introduces Ken Lazar, the chief career officer for the Ability Professional Network. Ken underscores the importance of identifying a niche for your business. When he and his son started their executive search agency, they focused on recruiting sales professionals. This focus helped them build a strong, recognizable brand and become a go-to agency for companies looking to build their sales teams.

Top Takeaways

1. Utilize Chambers of Commerce: Joining a chamber can provide crucial opportunities for brand awareness, networking, professional development, and insights into local economic trends.
2. Networking is Essential: Building relationships with mentors, strategic partners, and getting involved in the community are key strategies for networking.
3. Develop a Strong Brand Identity: Create a clear elevator pitch that quickly conveys your unique value proposition to potential customers.
4. Find Your Niche: Focusing on a specific niche or industry can help an entrepreneur's business stand out and become the go-to service provider in that area.
5. Choose Effective Social Media Platforms: Identify the social media platforms where your target audience is most active and focus your efforts on consistently engaging with them there.
6. Build Confidence and Seek Support: It's important to seek out and utilize available resources and support systems in your region.
7. Community Involvement: Actively participating in community activities not only raises your exposure but also brands you as someone committed to making the community better.
8. Continuous Professional Development: Entrepreneurs should continuously seek opportunities for professional development, including industry insights and best practices.

We would love to hear from you.

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And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

The views and opinions expressed by the experts interviewed on this podcast are their own and do not necessarily reflect the views of the podcast hosts or any affiliated organizations. The information provided in these interviews is for general informational purposes only and should not be considered as professional advice. Listeners are encouraged to consult with qualified professionals for specific advice or information related to their individual circumstances. The podcast host and producers do not endorse or guarantee the accuracy, completeness, or reliability of any information provided by the experts interviewed. Listener discretion is advised.

Mentioned in this episode:

Listener Disclaimer

The views and opinions expressed by the experts interviewed on this podcast are their own and do not necessarily reflect the views of the podcast hosts or any affiliated organizations. The information provided in these interviews is for general informational purposes only and should not be considered as professional advice. Listeners are encouraged to consult with qualified professionals for specific advice or information related to their individual circumstances. The podcast host and producers do not endorse or guarantee the accuracy, completeness, or reliability of any information provided by the experts interviewed. Listener discretion is advised.

Welcome to the new year!

We are celebrating our five-year mark as we enter 2025.

We began during the COVID-19 pandemic and have since produced over 124 episodes.

We appreciate our loyal listeners and enjoy making the podcasts.

We emphasize the importance of having the right co-host and maintaining a good rhythm in their conversations.

Our podcast focuses on interviewing experts to provide valuable information to listeners.

We encourage listener feedback and suggestions for future topics, aiming to be a resource for the community.

The show plans topics well in advance and is open to exploring new experts and international perspectives.

We are implementing a "Buy Me A Coffee" app to help cover podcast costs and receive feedback.

If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!

We stress the accessibility of podcasts for all age groups and provide instructions for listening.

Thanks to you, our listener, and wish you happy holidays and a happy New Year.

Key Moments

[00:00:00]: Reflecting on the Year and Looking Ahead

[00:00:14]: Celebrating Five Years of Podcasting

[00:00:41]: Overcoming Challenges and Reaching 100 Episodes

[00:01:25]: The Importance of Finding the Right Co-Host

[00:02:08]: Conducting Interviews: Virtual vs. In-Studio

[00:02:52]: Providing Resources and Expert Advice

[00:04:26]: Planning and Preparing for the Upcoming Year

[00:06:21]: Encouraging Listener Feedback and Topic Suggestions

[00:07:48]: Expanding Topics and Expert Network

[00:11:05]: Introducing the 'Buy Me a Coffee' Feature

We would love to hear from you.

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Email us at [email protected].

Find us on Facebook.

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And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

If you like this episode, please let us know. We appreciate the feed back, and your support of offset costs of producing the podcast!

How can the death of a spouse affect the surviving partner's financial stability and credit score, and what steps can be taken to mitigate these impacts?

We discuss financial challenges facing Ohioans aged 50 and over, with a specific focus on surviving spouses. Featuring consumer law attorney Laura Nesbitt, the episode focuses on the financial instability that can arise after the death of a spouse, emphasizing the importance of managing banks, bills, and credit scores effectively.

Laura highlights that accessing accounts often requires a death certificate, and autopay bills can become problematic without account access. Estate planning should extend beyond a will and power of attorney, incorporating detailed financial documentation to facilitate smoother transitions during crises. Technology aids like Monarch Money, Quicken, and password management tools can help manage finances and account access. Regular credit report checks from major agencies are recommended to monitor and manage accounts.

Addressing legal responsibilities, Laura advises against paying a deceased spouse's bills, except in joint account situations. She explains how nursing homes might wrongly bill family members and the need to verify any obligation to pay. Estates with assets or debts generally go through probate, allowing six months for creditors to file claims post-death. Informing credit bureaus of a spouse's death and freezing their Social Security number can prevent new debts and identity theft, while freezing one's own credit can be protective and temporary.

Laura discusses the burdens and stigmas of homeownership and bankruptcy. Full mortgage leverage can risk financial instability if the market drops, making Chapter 13 bankruptcy a viable solution for stripping second mortgage liens. She highlights that renting may be more economical for older individuals with no home equity.

The financial impact on surviving spouses can include reduced Social Security benefits and loss of additional income. Comprehensive financial information and family support are crucial, with open discussions about managing finances and knowing available resources. For families with dependents like grandchildren, seeking financial contributions from other household members is vital.

Laura emphasizes that people often delay considering bankruptcy despite its potential benefits, due to the credit industry's stigma. Bankruptcy can stop creditor contact and prevent further credit score damage. Suitability for bankruptcy depends on individual circumstances, with certain debts like student loans and recent tax debts being non-dischargeable.

Key Moments

00:00 Consumer law attorney, bankruptcy expert since 2009.

03:08 Importance of managing credit scores after spouse's death.

09:17 Utility bills can impact credit if reported.

12:40 Ensure personal account responsibility; avoid joint accounts.

13:24 Keep financial accounts separate to avoid issues.

16:32 Organize finances and passwords for estate planning.

22:07 Check credit reports quarterly to monitor accounts.

24:08 Verify responsibility before paying deceased spouse's bills.

27:42 Consider freezing credit, especially for security.

31:28 Research carefully before entering debt management programs.

35:47 Evaluate finances and debt; bankruptcy may help.

38:25 Chapter 13 bankruptcy can strip 2nd mortgages.

40:09 Older spouse survivor faces reduced income sources.

43:09 Generosity often leads to personal financial debt.

47:27 Merging firms for comprehensive tax and bankruptcy services.

49:00 In-house services streamline, avoid restarts, ensure continuity.

We would love to hear from you.

Give us your feedback, or suggest a topic, by leaving us a voice message.

Email us at [email protected].

Find us on Facebook.

Please review our podcast on Google!

And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

The views and opinions expressed by the experts interviewed on this podcast are their own and do not necessarily reflect the views of the podcast hosts or any affiliated organizations. The information provided in these interviews is for general informational purposes only and should not be considered as professional advice. Listeners are encouraged to consult with qualified professionals for specific advice or information related to their individual circumstances. The podcast host and producers do not endorse or guarantee the accuracy, completeness, or reliability of any information provided by the experts interviewed. Listener discretion is advised.

Mentioned in this episode:

Listener Disclaimer

The views and opinions expressed by the experts interviewed on this podcast are their own and do not necessarily reflect the views of the podcast hosts or any affiliated organizations. The information provided in these interviews is for general informational purposes only and should not be considered as professional advice. Listeners are encouraged to consult with qualified professionals for specific advice or information related to their individual circumstances. The podcast host and producers do not endorse or guarantee the accuracy, completeness, or reliability of any information provided by the experts interviewed. Listener discretion is advised.

The latest episode of "Looking Forward Our Way" features an engaging discussion about the pivotal role of advisory councils in addressing the needs of older adults at the state and local levels.

The episode brings together Anna Tobin and Melissa Owens, two prominent figures in the aging services sector, to share their insights and experiences. Grant Ames, Government and Community Relations Manager at the Central Ohio Area Agency on Aging (COAAA), also provides valuable context about the agency's goals and operations.

Anna Tobin, President of the COAAA Advisory Council and Executive Director of Meals on Wheels Older Adult Alternatives of Fairfield County, shares her extensive experience in social services, emphasizing the importance of advisory councils. Anna describes these councils as invaluable platforms for networking and bringing community needs to the forefront. By participating in advisory council planning sessions, members can support both state and local aging plans. Anna's discussion includes the sharing of legislative information, talking points for advocacy, and insights into funding opportunities, such as the ARPA funds and healthy aging grants. The networking aspect allows for an exchange of vital information with colleagues, enhancing service delivery across regions.

Melissa Owens, Executive Director for Licking County Aging Partners, elaborates on the benefits county-level stakeholders gain from council meetings. She stresses the importance of educating county legislators and officials about the federal-state-local system, aiding them in understanding and navigating resources at various governmental levels. These meetings also facilitate connections and knowledge gathering from experienced individuals, thereby equipping counties with the tools needed to effectively serve older adult populations.

Melissa Owens explains the council's role as a resource network for problem-solving, noting that other members may have encountered and resolved similar issues.

Anna Tobin provides insight into the critical planning process supported by advisory councils, referencing the Ohio Department of Aging's strategic plans. She underscores the importance of aligning local goals with state objectives to ensure quality services for seniors.

Throughout the discussion, the speakers share examples of successful initiatives and collaboration efforts. Anna Tobin mentions a guardianship service board modeled after Franklin County's initiative, highlighting the process of securing startup funding and adapting successful models locally. Melissa Owens talks about adaptable programs like friendly visitor and senior companion programs, adjusted based on county demographics and needs.

Grant Ames stresses the importance of strong regional networks in supporting senior services, pointing out the benefits for new leaders to learn from their experienced counterparts. The advisory councils not only aid in navigating complex systems but also foster professional growth and knowledge sharing.

Key Moments

00:00 Advisory council collaborates on older adult services.

03:42 Grateful senior services leader with extensive experience.

07:45 Networking, community advocacy, planning, implementing support initiatives locally.

10:00 Learning and sharing process knowledge with counties.

12:53 Advisory council efficiently solves nonprofit organization problems.

17:36 Similar issues in urban, suburban, rural areas.

22:28 Supporting aging plans through local strategic implementation.

25:53 Connecting new leaders with experienced mentors strengthens region.

27:21 Contact local aging office; volunteer support needed.

We would love to hear from you.

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And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

"This was a a really strong convening then for employers and education to to better communicate and then plan on how to improve that connectivity between graduating students and employment."

We welcome guest experts John Hambrick, Work-Based Learning Coordinator at the Educational Service Center (ESC) of Central Ohio, and Lauren Stowe Jones, Senior Director of K-12 Partnerships at Columbus State Community College.

John Hambrick, who moved to Columbus in 1998, transitioned from a background in education and restaurant industry work into non-profit roles, ultimately leading him to his current position in workforce development at ESC of Central Ohio. The Educational Service Center serves 30 member school districts across eight counties, working to bridge the gap between K-12 education and industry needs.

Lauren Stowe Jones started her educational journey as a 7th-grade teacher in Boston but returned to Central Ohio due to high living costs. She joined Columbus State Community College, where she worked on reforming developmental education to reduce the need for remedial courses. Presently, she oversees 10,000 high school students taking college credit courses through the College Credit Plus program. This significant initiative offers free college courses to high school students, impacting their educational pathways.

Both guests emphasize preparing students for future job markets by aligning educational programs with evolving industry demands in Central Ohio. They highlight dual enrollment and teacher education programs as critical strategies. Lauren discusses how dual enrollment influences teaching demographics and necessitates changes in teacher preparation to deploy educators quickly and support their continuous development. John highlights Ohio's emphasis on expanding registered apprenticeship programs, especially to address teacher shortages, and mentions the creation of teacher academies in school districts as pre-apprenticeships.

Ohio's alternative licensure models are also a focal point, creating pathways for veterans and industry professionals to enter teaching roles. John outlines significant state funding to support education, including a $100 million investment from the Ohio legislature for career technical education equipment and workforce boot camps. While the full impact of these initiatives on students remains to be seen, the guests express optimism about creating more informed and prepared students.

The conversation turns to the integration of technology, particularly the role of AI, in education. AI is viewed as a complement to traditional teaching methods rather than a replacement. Teachers will need to adapt, and educational policies will have to guide the use of AI in schools. Community involvement is also essential, with partnerships between colleges, businesses, and economic development sectors shaping educational messages and providing resources.

Educational innovation is discussed, including the creation of innovation labs equipped with VR, 3D printers, and augmented reality tools. These efforts aim to provide equitable access to technology for all students. Programs like the Intel project highlight economic development activities, with a need to communicate future manufacturing and economic opportunities to the community. Columbus State has introduced career educators focused on in-demand industries and developed tailored educational materials for various audiences to spread awareness about regional career opportunities.

Partnerships with economic development partners are crucial to bring business insights into the educational realm, helping prepare students for new career pathways. Emerging technologies, smart mobility, and connected technology in Central Ohio are also highlighted, with resources provided by entities like the Department of Transportation and DriveOhio. Columbus State’s advanced training center in New Albany serves as a hub for technology and business-education interactions.

We take a look at a shift in educational focus, integrating career relevance within disciplines and emphasizing the need for continuous learning and adaptability in response to rapid technological changes, particularly post-COVID-19. The importance of critical thinking skills in employability contexts is underlined, and the discussion covers the need to equip students with broader skill sets necessary for job market readiness.

Dual enrollment programs and career education paths are becoming essential as high school education alone no longer suffices for well-paying jobs. Community colleges play a significant role, providing flexible and tailored programs to transition students into careers efficiently. Initiatives such as the Central Ohio Compact exemplify regional cooperation between K-12, higher education, and employers, facilitating direct feedback loops to ensure education aligns with workforce needs.

Efforts to embed career experiences within regular high school curricula and the importance of early exposure to career pathways are discussed. Programs like those initiated by Columbus State in response to the semiconductor industry's needs exemplify the dynamic relationship between educational institutions and employers. Emphasizing advanced manufacturing, now reframed as "advanced technology," reflects a need for continuous training for competitiveness.

Lastly, we talk about the challenges like securing funding for training programs and addressing the shortage of teaching staff in advanced technologies. Overall, proactive collaboration between educational institutions, businesses, and the community is essential to successfully prepare the next generation for the workforce.

Key Moments

09:11 College experiences vary; continuous education ensures success.

12:14 Developing semiconductor program: industry collaboration, curriculum expansion.

18:44 Building career pathways through school-employer partnerships.

24:15 Central Ohio hospitals collaborated for student healthcare event.

28:00 AI demands rapid adaptation in higher education.

32:16 Training is essential beyond high school education.

41:39 Lack of teaching staff and effective training.

43:36 Competitive rates, affordability, and opportunities in education.

48:17 Funding enhances educational pathways and career training.

54:25 Creative tech in education: VR, AI crucial.

01:00:11 Promoting career awareness in Central Ohio schools.

01:06:47 Addressing barriers for underserved students' education success.

01:09:43 Education evolving; encourage parental involvement and awareness.

We would love to hear from you.

Give us your feedback, or suggest a topic, by leaving us a voice message.

Email us at [email protected].

Find us on Facebook.

Please review our podcast on Google!

And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

Employee resource groups (ERGs) are vital in providing support to veterans, helping them feel less isolated and more integrated into their new work environments.

We sit down with Ronnie Bailey, the Human Resources Manager at Bullen Ultrasonics, to talk about a critical topic during this National Veterans and Military Families Month: the value of veterans in the civilian workforce.

We explore the challenges veterans face when transitioning from military to civilian life. This includes the stress of job loss and the mental health issues stemming from a perceived loss of importance.

Ronnie shares his journey from military leadership to HR, highlighting the significance of explaining the "why" to motivate younger workers and how this applies across both military and civilian contexts.

We discuss the importance of veteran services, hiring programs, and the resources available but often unknown to veterans. Ronnie’s experience at Bullen, recognized for its outstanding veteran hiring program, offers a unique perspective on helping veterans translate their military skills into civilian job success.

We also touch on the importance of creating an inclusive workplace culture that values diversity and the unique strengths veterans bring to the table.

Learn more about how employers can better support their veteran employees and the mutual benefits this brings to both veterans and their organizations.

Top Takeaways

Veterans often face significant stress and mental health issues when transitioning from military to civilian life, particularly when job loss forces them to move back with their parents.

Although veteran services and resources are available, many veterans are unaware of how to access them, highlighting the need for better information dissemination.

Employee resource groups (ERGs) are vital in providing support to veterans, helping them feel less isolated and more integrated into their new work environments.

There is often a disconnect between the languages and job tasks understood by veterans and civilian hiring managers, which can complicate job placement and retention.

Motivating younger employees, both in the military and civilian workforce, requires leaders to communicate the purpose and value behind tasks and roles.

Initiatives such as Bullen’s military hiring program, which has received recognition from the US Department of Labor with the Hire Vets Medallion, are crucial for successfully incorporating veterans into civilian jobs.

Veterans might struggle with interviews due to the shift from a team-focused military environment to an individual-focused civilian job market, necessitating specific support and preparation.

Veterans often possess valuable leadership skills and a continuous improvement mindset learned in the military, which is beneficial in civilian roles, particularly in HR and supervision.

Including veterans at all levels within a company enriches the workplace with diverse experiences and perspectives, fostering a more inclusive and supportive environment.

While veterans should be provided with the necessary support, treating them equally without undue special treatment is as important as ensuring they feel like a part of the team and the larger valued workforce.

Key Moments

06:23 Former packaging worker explores changing manufacturing processes.

09:42 Career advancement opportunities are less as you climb.

13:32 Good NCOs support and inspire soldiers personally.

17:37 Help new hires understand and sell themselves.

18:44 Connecting veterans and civilian employers through language.

23:14 Unique resume systems assist veterans in translating skills.

27:29 Support group members share resources for assistance.

29:59 Employers benefit from hiring veterans and young adults.

31:51 Employees seek equal recognition, not singling out.

34:59 Supporting veterans through physical and mental challenges.

39:21 Ohio Means Jobs offers funding and support.

42:31 Instill value and support veterans in the workforce.

We would love to hear from you.

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Email us at [email protected].

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And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

Empowering Voters: Understanding Campaign Financing, Fair Districting, and Poll Participation

Brett and Carol chat with Jen Miller, the Executive Director of the League of Women Voters Ohio, about the nitty-gritty of ballot issues and voting policies.

Jen talks about a cool bipartisan effort to draft a new amendment (Issue 1), mentioning notable figures like Maureen O'Connor and Yvette McGee Brown. This amendment has some serious backing from a wide range of groups, including teachers' and nurses' unions, the NAACP, and even the Libertarian Party.

The conversation takes a turn towards the topic of dark money in politics, which became a hot issue after the Citizens United decision. Jen underscores the need for transparency so voters know who’s funding political ads. She’s passionate about ending gerrymandering, believing it would make legislatures more responsive and improve policymaking. Gerrymandering, she argues, kills voter satisfaction and participation.

More engagement and compromise in the legislature would tone down extremism and serve citizens better. Jen encourages everyone to get involved in democracy, pointing to resources like vote411.org and voteohio.gov. She also talks about the importance of becoming poll workers and making sure our communities are ready to vote.

Jen criticizes gerrymandering for reducing accountability and allowing representatives to focus more on party extremes and big donors rather than a broader voter base. Despite these obstacles, she urges citizens to stay vocal and visit district offices.

The League of Women Voters Ohio is highlighted as a diverse organization in terms of age, offering great opportunities for mentorship between older and younger members. Jen gives tips on making voting less intimidating for young voters, like checking registration and polling locations since these frequently change.

We talk about Ohio’s strict voter ID requirements—now including passports and specific veteran IDs while excluding county veteran IDs. Jen calls for veterans to advocate for changes to these laws. There's also a mention of fewer candidates participating in forums, which reduces chances for voter-candidate interactions. The League organizes forums with a “speed dating” style to let voters meet candidates without heated debates.

Jen and Brett discuss the rise of misinformation and the need for consuming diverse media to keep from getting stuck in echo chambers. Brett expresses frustration when candidates don't take forum questions seriously, feeling it reflects poorly on their ability to serve in office. They both mention the impact of gerrymandering on these issues.

In Ohio, recent changes to the election process have led to voter dissatisfaction, partly fueled by misinformation from elected officials. Jen suggests voters hold state authorities like the Secretary of State accountable for election integrity. She also lists ways to engage, like attending hearings, contacting election boards, volunteering as poll workers, and using the Election Protection Hotline (866-OUR-VOTE) for any issues.

The League of Women Voters is all about fair election practices and doesn't play sides. They've been around since the Ohio Women's Suffrage Association days, focusing on empowering voters, especially women. They operate on national, state, and local levels and rely heavily on volunteers to keep things running smoothly.

Jen emphasizes the importance of informed voting and spells out the steps for absentee/mail voters, urging them not to procrastinate. Tips include mailing ballots early and using county dropboxes to avoid delays. She also goes over Ohio's strict ID requirements again, stressing that voters need to check what’s valid now.

Jen dives deeper into gerrymandering, explaining Issue 1 (OH), which aims to reform the redistricting process. The goal is to keep politicians and lobbyists out, ensure a balanced commission, and maintain transparency. Past efforts to end gerrymandering in Ohio didn’t pan out well, but the League is committed to pushing for fair district maps and getting citizens involved.

While the voting system isn't perfect, continuous efforts and active participation can lead to better outcomes for everyone.

Key Moments

00:00 Ohio Women's Suffrage evolved into inclusive voting league.

05:39 Ohio League's strength lies in national connection.

15:38 Frustration arises from misallocated responsibilities and misunderstanding.

17:24 Connecting voters and candidates through local forums.

26:41 Gerrymandering undermines fair elections and representation.

32:04 Check ID requirements; Ohio's strict voter rules.

36:27 Security ensures bipartisan participation and de-escalation volunteers.

40:46 Check voting plan, ID required, hours change.

52:12 Independent voices in Ohio redistricting, preventing secrecy.

57:27 League watchdogs educate public on map processes.

01:03:57 Advocate for transparency, end gerrymandering, promote solutions.

We would love to hear from you.

Give us your feedback, or suggest a topic, by leaving us a voice message.

Email us at [email protected].

Find us on Facebook.

Please review our podcast on Google!

And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

In this episode, we are joined by Josh Kinzel from Seniority Benefit Group to discuss key changes and updates for Medicare Open Enrollment 2024, highlighting how these alterations might impact current and prospective enrollees.

Josh Kinzel brings 18 years of experience, with a focus on Medicare for the past 16 years. He assists individuals with the often intimidating and multifaceted choice of Medicare plans, alleviating concerns without any charge for services.

Open Enrollment for Medicare runs from October 15th to December 7th each year. The discussion underscores the complexity of Medicare and the crucial nature of informed decision-making. Fidelity Investments estimates retirees' lifetime healthcare costs can exceed $160,000, making a thorough understanding of Medicare essential.

A significant part of the episode is the reassurance that clients feel when working with local services familiar with area doctors and hospitals. The familiarity brings a level of comfort that can be very reassuring. Regarding premiums, there is uncertainty about the monthly Medicare premium, with a slight increase projected, reflecting typical stability during election years.

Several impactful changes include the Inflation Reduction Act that aims to cap annual prescription drug costs at $2,000 by the next year and the Extra Help Program, which offers income-based assistance for drug costs to those earning below $23,000 (individual) or $31,000 (married couple). This program plans to eliminate premiums and deductibles while limiting drug charges significantly. This financial support could benefit millions of individuals.

Medicare can now negotiate prices for certain drugs, akin to the Veterans Commission, starting with 10 approved drugs. This negotiation process is expected to lead to significant cost reductions, such as capping out-of-pocket costs at $2,000 and slashing insulin prices to $35 per month.

Updates to Medicare Advantage Plans were highlighted as they require mid-year updates to clients starting in 2025 to promote better utilization of available benefits like exercise programs, grocery benefits, and gym memberships, including the popular SilverSneakers program. Expansion in mental health and dementia care programs is also covered, offering support for older adults and caregivers. Additionally, expanded access to 24/7 mental health and dementia care support aims to help patients stay at home longer.

Medicare's unique parts are outlined: Part A covers hospitalization often with no cost for those who've worked 40 quarters, and Part B covers outpatient services with a 2024 premium of $174.70, typically accounting for 80% of medical claims.

Key Moments

00:00 Helping with Medicare choices free of charge.

03:48 Internship led to unexpected 18-year insurance career.

08:47 Original Medicare covers approximately 80% of costs.

11:06 Medicare Advantage Plan: lower premiums, network-based, copays.

12:51 Providing guidance, not direct answers for health.

17:56 Income-based aid available for qualifying individuals/couples.

21:16 Insulin capped at $35; ten drugs negotiated.

24:58 Using SilverSneakers online; mental health services available.

28:22 Donut hole removed from drug plan stages.

30:48 Flexible payment plans; insurance premiums stable next year.

33:51 Pharmacists now allowed to lower prescription costs.

36:42 Advantage plans effective but understand trade-offs.

41:28 Original Medicare approvals often get rubber-stamped.

42:41 Medicare Advantage's benefits and drawbacks warrant discussion.

48:41 Help individuals, especially in small companies, access Medicare.

49:22 We help employers with Medicare-related questions.

53:09 Attend free workshops for Medicare education.

Part D Extra Help

Meds Gov can negotiate

We would love to hear from you.

Give us your feedback, or suggest a topic, by leaving us a voice message.

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And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

Are you curious about how Central Ohio plans to evolve its transportation network to support future growth?

MORPC leads strategic transportation planning and coordinates the allocation of federal transportation dollars to local governments.

Our guest, Maria Schaper, is the Transportation Study Director at the Mid-Ohio Regional Planning Commission (MORPC). The central focus is the upcoming levy and its significance for the region’s future transportation and development needs.

The upcoming levy aims to address long-term transportation improvements essential for Central Ohio’s growth and economic health. If passed, the levy will replace the current half percent sales tax with a new permanent 1% sales tax, generating about $60 million yearly to fund significant infrastructure projects.

The proposed levy aims to support a shift away from car dependency, meeting generational preferences for diverse transportation options. With Central Ohio's population expected to grow significantly by 2050, sustainable transportation investments are crucial to accommodate this influx without overwhelming the region’s current infrastructure.

A key initiative highlighted by Schaper is the LinkUS program—a comprehensive mobility investment strategy designed to enhance public transportation across the region. The program focuses on an $8 billion plan to significantly improve the Central Ohio Transit Authority (COTA) services by increasing transit service by 45% and developing five bus rapid transit (BRT) corridors by 2050. BRT features include dedicated lanes, level and multi-door boarding, off-board fare collection, clean energy buses, and transit signal prioritization, all aimed at creating a faster and more reliable transit system.

The levy will also support the expansion of sidewalks, bike paths, and trails, encouraging walkable and bikeable communities. Additionally, COTA plans to enhance its current routes and introduce eight new COTA Plus zones, providing on-demand transit services.

Schaper shares how MORPC's work extends beyond transportation to long-term regional planning, tracing back to the "Insight 2050" study initiated a decade ago. This study evaluated the economic impacts of various development patterns, comparing traditional growth with more focused, denser development along key corridors. The findings have guided the region in balancing growth with preserving rural character and fiscal sustainability.

Key Moments

08:37 Important resource; long-term plans; levy information crucial.

11:31 Dedicated bus lane, efficient boarding, signal priority, COTA improvements.

15:11 Vote on COTA levy for COTA service.

20:12 Growth requires smarter transportation, not just more cars.

20:57 Adding lanes induces demand; transit investment needed.

24:39 Columbus zoning update boosts new housing development.

30:41 Decade-long study on growth patterns and impacts.

34:52 MORPC aids regional planning amidst various challenges.

36:15 MORPC aids, doesn't dictate, regional transportation planning.

40:58 Expanding transit access via new infrastructure projects.

45:08 Team presenting initiative information daily through events.

46:08 Visit LinkUS Columbus: videos, events, outreach toolkit.

51:12 Initial corridor planning, schedule, cost for service development.

53:20 Supporting studies and engaging potentially affected communities.

We would love to hear from you.

Give us your feedback, or suggest a topic, by leaving us a voice message.

Email us at [email protected].

Find us on Facebook.

Please review our podcast on Google!

And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/

We are joined by career expert Sharon Hamersly to discuss how artificial intelligence (AI) can be a crucial tool in the modern job search, while also emphasizing its limitations and the critical role of human input.

**Crutch Words in AI Writing**

A common issue with AI-generated content: the over-reliance on generic phrases and crutch words such as "consequently" and "furthermore." These phrases can result in writing that appears insincere or overly generic.

**Outdated Free AI Models**

The limitation of free AI models, which rely on data that is typically 2-3 years old. This means that recent information and trends may not be reflected in AI outputs generated on these platforms.

**Prompt Specificity in AI Use**

Sharon Hamersly underscores the importance of specificity in prompts when using AI tools. She illustrates that more detailed prompts lead to better results. For example, instead of requesting generic accomplishments, one should provide specific skills and job levels to receive more relevant outputs.

**Applying Critical Thinking**

AI-generated content can serve as a good starting point for ideas; however, users must apply critical thinking to tailor these ideas to their specific needs.

**Writing Resumes and Personalization**

When it comes to writing resumes, don't pay for mass-produced resumes, which can appear identical to others. Instead, use AI as a starting point while ensuring the final resume accurately reflects the applicant's history.

**LinkedIn Profiles**

Treat LinkedIn as a distinct entity that requires unique, personalized content to genuinely represent the user’s professional brand.

**Authenticity in Interviews**

Personalizing AI-generated content helps avoid gaps in knowledge that could be problematic during an interview.

**AI as a Supplementary Tool**

AI serves as a helpful tool rather than a complete solution in the job search process. AI-generated content should act as a starting point, upon which job seekers must build with their own creativity and critical thinking.

**ATS Compliance and Resume Scams**

Sharon warns against services that claim to make resumes ATS (Applicant Tracking System) compliant and disallow the use of bullet points. Such claims are often scams.

**AI for Job Search Research**

AI can provide more specific and compiled information compared to traditional search engines. For example, asking specific questions about company roles can yield detailed responses.

**Limitations and Evolution of AI**

Sharon discusses the limitations of AI, such as occasionally generating inaccurate information and lacking critical thinking and creativity. She coins the term "MSU" (makes stuff up) to describe these tendencies.

**Plagiarism Detection and AI Training**

Sharon experiments with Microsoft Copilot and Scribbr to see how well AI can detect plagiarism and emphasizes the risk of over-reliance on AI tools that might lack personality and accuracy. Carol also mentions that user input can help train AI, though Sharon clarifies that AI generates independent content rather than directly pulling from existing works.

Key Moments

00:00 AI in job searching: benefits and pitfalls discussed.

04:48 AI began mid-20th century; computers weren't powerful enough.

10:01 Apprehensive about learning and understanding AI technology.

11:00 AI is valuable but requires human oversight.

14:47 AI content often repetitive and easily identifiable.

19:27 AI assists by generating helpful, specific ideas.

20:28 Using AI programs for writing inspiration.

26:33 Employers use AI in recruiting; understanding ATS helps.

27:13 ATS helps recruiters manage and rank applications.

30:19 Unscanned text box in applications omits key information.

37:37 Perplexity AI offers detailed, valuable job search information.

41:41 Ensure employment history accuracy; use text snippets.

45:59 Introduction to AI basics and job search implications.

We would love to hear from you.

Give us your feedback, or suggest a topic, by leaving us a voice message.

Email us at [email protected].

Find us on Facebook.

Please review our podcast on Google!

And of course, everything can be found on our website, Looking Forward Our Way.

Recorded in Studio C at 511 Studios. A production of Circle 270 Media® Podcast Consultants.

Copyright 2025 Carol Ventresca and Brett Johnson

https://creativecommons.org/licenses/by-nd/4.0/