In this episode, we look into the pressing issue of the housing crisis and its impact on property taxes in Ohio. Joining us is Ohio State Senator Bill DeMora of the 25th District, who shares his journey from being the "accidental senator" to his current role in public office.

Together, we dissect the challenges posed by skyrocketing housing costs and lack of availability, leading to a dramatic 35% increase in property taxes following a recent reappraisal process. Senator DeMora provides insight into the complex property tax system, touching on the intricacies of state and local revenue impacts, as well as the pivotal role taxes play in supporting essential community services such as schools, fire departments, and police.

Our discussion also highlights the crucial need for legislative action to address these taxing issues, as citizens grapple with burdensome levies while demanding fair solutions.

We encourage you to get involved in the political process, be it through testifying in committees or participating in local government meetings, further underlining the importance of civic engagement in instituting change.

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

Key Takeaways

• Understanding Property Taxes: How the rise in housing costs and lack of availability have sparked a significant increase in property taxes. Senator DeMora explained the appraisal process affecting both personal and business properties.
• Legislation & Relief Efforts: The need for practical solutions to address the tax burden, like the suggested circuit breaker, raising the homestead exemption, and freezing property taxes for seniors. It's crucial for legislative action to keep pace with the changing demands.
• Civic Engagement: The importance of getting involved in local government processes. From testifying at committee hearings to participating in city council meetings, citizen engagement can influence policy changes and bring attention to vital community issues.

Key Moments

00:00 Accidental Senator Due to Redistricting

03:23 State's Funding Shift Sparks Controversy

09:11 Civic Participation in Government

10:50 "Children's Hearing Aid Bill Passed"

14:53 County Property Tax Distribution

16:41 Franklin County Housing Demand Surge

20:48 Races Influence Ballot Issues Outcome

23:38 "Addressing Property Tax Relief Options"

28:15 Central Ohio's Collaborative Economic Strategy

29:36 Intel Project's Uncertain Future

36:03 Property Tax Reforms Needed

37:10 Ohio School Funding and Voucher Impact

40:16 Ohio's Declining Education Funding

45:54 Columbus School Board Overhaul

49:16 Franklin County Grants and Resources

51:19 Columbus Demands Suburbs Support Affordable Housing

54:36 Addressing Property Tax and Housing Issues

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In this episode we welcome back Tammy Wharton, President and CEO of Girl Scouts of Ohio's Heartland, to give an update on the Dream Big initiative and the new STEM Leadership Center at Camp Ken-Jockety.

Tammy shares the excitement surrounding the opening of the building and its functional purpose, emphasizing that it serves not only the girls but also the wider community and youth in Central Ohio.

Top takeaways

1. STEM Leadership Center: The Girl Scouts of Ohio's Heartland has opened a STEM Leadership Center, fulfilling the Dream Big program's promise of promoting STEM education for young girls in Central Ohio.
2. Dream Big Initiative: The program started in 2018, aiming to put 2.5 million girls in the STEM pipeline by 2025. It's a transformational step aimed at providing immersive STEM experiences.
3. Community Engagement: The STEM Leadership Center is for all children and community members in Central Ohio, offering various programs and collaborations with schools and community groups.
4. Ohio State of the Girl Report: This report, created by Girl Scout councils across Ohio, addresses the challenges girls face and includes actionable steps for teachers, caregivers, and mentors to support them.
5. Digital Literacy: A significant focus is on teaching girls digital literacy, as many challenges such as cyberbullying are linked to technology use.
6. Importance of Physical Activity: Limiting screen time and encouraging outdoor physical activities are vital for improving girls' physical and mental well-being.
7. Combating Bullying: Strategies to combat bullying include establishing supportive connections with caring adults and providing anti-bullying education in schools.
8. Economic and Social Importance of STEM for Girls: Recruiting more women into STEM fields is critical for the workforce, as women make up over 50% of the population but are underrepresented in STEM.
9. Hands-On Learning at the STEM Center: Programs at the center are designed to provide girls with hands-on learning opportunities, like building a dollhouse with a 3D printer, and showcasing potential career paths.
10. Building Confidence and Support Networks: It's crucial for girls to build self-confidence and have supportive networks to improve academic success, fight bullying, and create a positive body image.

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Key moments

04:10 Investing Early in Girls' STEM

07:29 "Essential Report for Educators"

11:52 Unrealistic Beauty Standards in Media

15:59 Promote Anti-Bullying Education

20:09 Empowering Girls Through Construction Skills

23:32 "Embrace Failure to Succeed"

27:15 Building Confidence to Prevent Bullying

29:58 Boosting Women in STEM

33:51 Empowering Gold Award Girl Scouts

39:46 Observations on Booth Interactions

42:16 Outdoor Classroom for All Schools

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We look into the complex and often misunderstood concept of retirement with the guidance of expert guest, Eric Pennington. As the managing partner of Spirit of EQ and author of "The Well-being Guide," Eric brings a unique perspective on the emotional intelligence required to face retirement's challenges and opportunities.

Together, we explore the fear and misconceptions surrounding retirement, the pressure from societal norms and marketing, and the essential resources needed for a fulfilling post-career life.

Eric emphasizes the importance of self-discovery, building emotional intelligence, and preparing mentally and physically for this new chapter.

Whether you're nearing retirement age or just starting to consider your future, this episode offers valuable insights on redefining retirement and creating a meaningful and purposeful life beyond traditional career paths. We uncover the myths of retirement and learn how to navigate the emotional journey toward this next adventure.

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Here are three key takeaways from our conversation:

• Rewire Your Mindset: Your brain is capable of being rewired, even as you approach retirement. Building emotional intelligence is crucial to facing retirement without fear. Embrace the idea of lifelong growth and redefine what retirement means to you.
• Build Your Resources: Whether it’s financial savings, health, or emotional support, start building your resources now. Remember, this isn't just about money. Focus on mental, physical, and emotional well-being to prepare for a fulfilling journey ahead.
• Curiosity and Purpose: Never stop asking questions about your purpose and emotional experiences. Cultivate curiosity and explore what genuinely matters to you, so that when the time comes, you know what your next step will be.

Episode Highlights

00:00 Developing Emotional Intelligence with Data

06:00 "Evolved Minds, Ancient Instincts"

07:51 Marketing and the "Not Enough" Culture

12:49 Challenging Age-Related Cultural Norms

14:17 "Age is Just a Number"

18:22 Retirement Planning and Adaptation

22:39 Defining Life's Next Journey

27:18 "Defining Life's Purpose"

28:09 "Post-Retirement Purpose Dilemma"

31:19 Exploring Self-Knowledge and Growth

36:55 Reflecting on Career Preferences

40:02 Weekend Retreat for Self-Discovery

42:50 "Empowerment Beyond Retirement Age"

46:00 "The Power of Curiosity"

48:37 Timely Adaptation Challenges

53:26 "Building Your Resource Pillars"

57:40 Insights on Thinking Fast and Slow

59:05 "Lisa Feldman Barrett Books"

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Rethinking Retirement: "People now look at that phase of life after you leave your career, 65 or older, could be 55 or older, as an opportunity to live life differently than you have before." Mark Matson

We sit down and talk with Mark Matson about transitioning into new phases of life and building a rewarding encore career while giving back to the community. As Mark nears 70, he finds himself with more time for personal interests like swimming and planning a cross-country adventure, though he still enjoys his current job and the surprises it brings.

Mark shares a touching story about helping a guy named Paul move from an 1800 square foot house to a much smaller assisted living space. This wasn't just about logistics; it involved handling strong emotional attachments and practical needs. He talks about the importance of guiding people through such transitions with respect, understanding the sentimental value of their belongings, and finding new homes for cherished items.

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Shifting gears, Mark talks about his past in HR, where he spent years working on talent assessment, training, and development. Over time, he collected a ton of personal assessments like Myers-Briggs, DISC, and Enneagram, helping him understand his strengths, weaknesses, and creativity. This eventually led him to explore new interests like interior decorating, thanks to encouraging words from friends and colleagues.

Retirement planning is another big topic in Mark’s journey. He created a program called "Career Encore" with an HR firm and explored the idea of retirement coaching. Through interviews with retirees, he gained insights on staying active and avoiding a stagnant retirement.

Mark’s venture into business happened almost by accident. A friend needed help managing home renovations and asked Mark to step in. Applying his HR skills in this new context, he discovered a love for home improvement projects. This led to him starting his own “residential concierge” business, handling everything from beekeeping to home renovations. The gig let him use his talent management, emotional intelligence, and communication skills in a new, exciting way, rekindling his joy for seeing tangible results.

Mark recounts the stress of his previous HR role, particularly dealing with layoffs, and his decision to leave in search of more fulfilling work. This resonates with many in his age group who face unexpected career shifts and the challenges that come with them.

Starting his own business wasn't easy, but Mark got invaluable help from accountants and attorneys. He stresses that his journey wasn't meticulously planned—he took it one day at a time, staying motivated and faithful. Networking, researching opportunities, and putting positive intentions out there were crucial.

Mark's approach to Medicare is pretty creative too—he's got a visual “thermometer” to count down the months until eligibility, cutting down health insurance costs. Through his career shifts, he discovered skills he didn't know he had, getting to enjoy personal fulfillment and flexibility by being his own boss.

This episode embodies the value of recognizing transferable skills. It's a conversation full of insights and encouragement for anyone looking to transition into a new chapter in life while making a meaningful impact.

Memorable Moments

00:00 Career journey from Congress to HR director.

07:17 Wish society forewarned uncertain job losses sooner.

14:51 Divine intervention helped avoid challenging job situation.

21:10 Daily reliance and unexpected opportunities unfold daily.

26:50 Developed career encore course with...

What steps should you take if you suspect your identity has been stolen?

We are joined by guest Victor Russell, Operations Manager at Apprisen, to explore the pervasive issue of financial scams and how individuals can protect themselves.

The discussion covers various scams, primarily targeting seniors, such as the "grandparent scam" where victims are manipulated into sending money continuously until they realize they have been deceived.

Another prevalent scam involves romance, where lonely individuals are exploited into giving money, leading to severe financial repercussions like unmanageable debts.

Russell underscores the importance of regularly obtaining a credit report to defend against identity theft, given the frequency of database breaches. He recommends using AnnualCreditReport.com to obtain detailed reports from the three major agencies.

To add another layer of protection, Russell recommends freezing credit reports, which can prevent unauthorized loans but must be unfrozen before applying for new personal loans.

Victor advises against responding to unsolicited digital communications, especially those with suspicious links, as they are often scams. Government agencies like the IRS and the Social Security Administration do not request sensitive information via email or phone.

He also stresses the importance of younger individuals being cautious about their online presence, sharing an example involving his daughters and potentially compromising online content.

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For those who fall victim to identity theft, Russell outlines a process:

• contact financial institutions and credit card companies
• notify the Social Security office
• file a police report.
• ftc.gov and the AARP Fraud Watch Line assist identity theft victims
• Social Security Administration and the Consumer Financial Protection Bureau also offer support.

Apprisen, the organization Russell represents, is a non-profit agency providing a range of financial services for over 70 years, including debt management, credit health education, housing counseling, and assistance with student loan management.

Most services are free, though some may have fees based on income eligibility.

Apprisen’s free & secure financial analysis: https://iris.apprisen.com/

Key Moments

00:00 Negotiating terms, managing expenses, and providing credit education.

04:26 Lower interest rates boost homebuying and counseling.

08:04 Rise in grandparent scam targeting seniors via phone.

10:42 Rising scams target financially stable, vulnerable individuals.

13:17 Check credit reports for identity theft detection.

19:29 Verify contacts and email sources for security.

22:53 Fraud incident led to insurance and identity loss.

25:51 Be cautious responding to unsolicited digital surveys.

28:28 Be cautious with text communication; it's public.

31:46 File police report, and notify financial institutions immediately.

37:08 Protect and monitor investments against potential threats.

40:02 Unfreeze credit report for loan approval issues.

41:24 Keep Medicare card secure to prevent theft.

47:19 Listener resources included in show notes.

49:12 Regularly check and reconcile financial statements.

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Our focus is on VOICECorps, an essential service for individuals with visual impairments in Ohio.

Featuring guests Mark Jividen, the Executive Director, and Dana Sims, the Marketing and Development Director, the episode explores the organization's impactful work, its adaptation to new technologies, and the crucial role of volunteers.

Mark Jividen starts by discussing how the prevalence of blindness has shifted over time. Previously, many young people were affected by diseases now largely conquered. Today, the issue is more prevalent among the aging population due to conditions like diabetes, glaucoma, and age-related macular degeneration (AMD). This rise in blindness among the elderly population coincides with a reduction in traditional support systems, leading to increased isolation.

Dana Sims outlines how Voicecorps serves this community by providing real-time news and information, such as reading grocery ads, which helps foster independence. The service also offers entertainment and a friendly voice, creating a sense of community and combating isolation.

Volunteers, who often form long-term relationships with listeners, are integral to VOICECorps' operations. Sims notes that the service's programming is reminiscent of old-time radio, blending news and entertainment in a holistic manner.

Daily broadcasting operations at Voicecorps are comprehensive, starting with live broadcasts from 7 AM to 10:30 AM, including segments like the Wall Street Journal and local news. Most content is prerecorded and undergoes quality checks before broadcast.

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

The organization has consistently upgraded its equipment to a fully digital operation, funded by state capital budgets and local foundations over the past six years. VOICECorps offers programming in two formats: live and on-demand, akin to podcasting, and began streaming content in 2001. They are now transitioning to a podcast platform for easier access and subscription.

Listeners can provide feedback and suggest new materials through a feedback line, and the service is accessible via several methods including live streaming on their website, smart speakers, over-the-air broadcasting in several Ohio cities, virtual TV channels, and SAP channels on Ohio cable. Applications are available for both Android and iPhone users. Voicecorps encourages listener engagement to provide feedback to supporters and volunteers.

Founded by individuals with visual impairments and utilizing FM radio subcarriers for background music, VOICECorps launched on November 17, 1975, and is approaching its 50th anniversary. It was one of the first such services in the U.S. and remains unique due to its initiation by service recipients. The podcast highlights how Voicecorps reduces isolation among people, particularly the elderly, by providing timely information and connecting them to resources. The episode ends with a call to foster relationships, share contact information, and continue to impact lives positively.

Key Moments

00:00 Broadcasting career spanned decades in Columbus radio.

06:05 Early talking books: vinyl for accessibility.

07:20 Voicecorps began broadcasting timely news, 1975.

12:51 Empowering independence through accessible news and advertisements.

16:05 Volunteers read, diverse backgrounds, remote flexibility.

20:32 Programs can be recorded and shared remotely.

23:25 Technology accelerated growth during pandemic challenges.

28:31 Broadcast isn't live after 10:30; it's prerecorded.

32:04 Transitioning from streaming to...

The federal government created individual retirement accounts (IRAs) in the mid-1970s as a retirement savings vehicle. Over time, the financial landscape has changed, impacting tax consequences and distribution rules for IRAs, especially inherited non-spousal accounts.

We welcome expert Larae Schraeder from Schraeder Law to discuss Individual Retirement Accounts (IRAs) and the associated financial and tax consequences, particularly for inherited non-spousal accounts.

Larae, who transitioned from financial services to law, brings expertise in estate planning, probate, and elder law. She underscores that IRAs, typically tied to an individual's Social Security number, provide special tax treatment. This discussion broadens to include other retirement accounts like 401ks and 403(b)s, underscoring their importance as pensions fade away.

Key topics include required minimum distributions (RMDs) that mandate individuals withdraw a minimum amount annually once they reach a certain age. Updating beneficiary designations is crucial to ensure accounts bypass probate and avoid complications.

Fees are another critical issue. Understanding all associated costs and their impact on your financial planning is essential. The complexities of inheriting IRAs are also discussed. Legislative changes now require non-spousal heirs to withdraw inherited IRAs within ten years, often resulting in significant tax burdens. Qualified charitable distributions can help reduce taxable income.

Surviving spouses have more options; they can treat the deceased spouse’s IRA as their own or as an inherited IRA. Lorraine advises professional guidance to tailor strategies according to individual situations, particularly because some decisions have strict deadlines following the account holder's death.

Debts of the deceased are also addressed. Generally, debts aren't passed to heirs, but IRAs without beneficiaries can be used to pay off debts during probate. Therefore, having designated beneficiaries ensures funds pass directly to heirs.

Key Takeaways

Beneficiary Designations: It's crucial to keep beneficiary information up-to-date. Outdated or unclear designations can lead to unintended consequences and added complexity for your heirs.

Understanding RMDs: Required Minimum Distributions (RMDs) can significantly impact your taxable income and Medicare costs. Knowing the RMD rules and planning ahead can help mitigate these effects.

Inherited IRAs: If you inherit an IRA, especially as a non-spousal beneficiary, understanding the recent legislative changes and the 10-year distribution rule is essential to manage tax obligations effectively.

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

Key Moments

00:00 From Finance to Estate Law

04:09 IRA Importance for Retirement Savings

09:31 Estate Benefits: Naming Pitfalls

11:02 Choosing the Right IRA Custodian

14:48 Automatic Fund Transfers & Beneficiary Updates

17:58 Marriage's Impact on Beneficiary Designations

23:14 Unintended Financial Gaps in Inheritance

26:38 Qualified Charitable Distributions Limitations

30:37 Plan Early for IRA Distributions

34:03 Managing Estate Disputes as Executor

37:13 Inherited IRA Decision Guidance

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"In Ohio, small businesses drive $1,700,000,000 of economic impact. And in 2023, Ohio jobs create or Ohio businesses small businesses created 10,747 new jobs in 2023."

Brett Johnson and Carol Ventresca invite Kelly Fuller, a seasoned guest expert and the Senior Vice President of the Columbus Chamber Foundation, to discuss entrepreneurship. Emphasizing local resources, Kelly provides a wealth of recommendations for those starting or running a small business.

Networking and Local Resources

Fuller highlights the importance of connecting with local chambers of commerce and economic development offices. These entities offer a plethora of networking opportunities and resources that can be invaluable for new business owners. Fuller underscores that even non-paying members can join chambers to benefit from networking events. Carol suggests that vendors, who are often fellow small business owners, are valuable sources of information.

The discussion also brings attention to the importance of expanding one's networking horizon beyond their own industry. This approach can help entrepreneurs meet potential customers and peers in similar situations, thus broadening their support network.

Programs and Initiatives

The Columbus Chamber has multiple programs aimed at supporting small businesses. One notable initiative is the Accelerate Program, funded by the city of Columbus. This program includes sessions like "brand camp" tailored to help businesses with their branding and messaging. Other remarkable programs include:

Local Libraries and SBA Resources

Local libraries and SBA Small Business Development Centers (SBDCs) are also highlighted as essential resources. Public libraries often have business centers or knowledgeable librarians who can provide guidance. SBA SBDCs are particularly useful as they offer services even in rural areas. The Ohio Small Business Development Centers are widely accessible and federally funded, suggesting that similar resources might be available in other states as well.

Fuller advises new entrepreneurs to be cautious and thoroughly research available resources to avoid unnecessary spending. Many resources can be accessed free of charge or at a reduced cost, making it essential to leverage these tools early in the business journey.

Financial Management and Legal Considerations

The conversation touches on the crucial aspects of managing cash flow and financial growth. Entrepreneurs must exercise financial restraint, avoiding significant expenditures on premium options initially. Rapid growth can lead to complications, particularly if a business can't meet increased demand.

They recommend utilizing local resources like the SBA and SBDC for guidance on navigating these complexities. Engaging professional services such as accountants or attorneys might be costly but approaching them well-prepared can make the interactions more cost-effective.

Branding and Cost-Effective Strategies

Branding emerges as a non-negotiable element of business success. "Brand Camp" by Conspire helps businesses establish their brand identity, which is crucial for differentiating in competitive markets. Fuller suggests that employing interns from colleges or high schools for managing social media and branding tasks can be a budget-friendly option. For example, Ohio State University's Bucks GoPro program offers opportunities to engage student-athletes for handling social media efforts.

Additionally, Carol points out that cultivating relationships with professionals like CPAs can significantly aid as the company grows. Starting initially with interns or affordable solutions makes it easier for businesses to scale their professional...