Podcasts about affordable

Hunter Stoler - the creator behind @healthwithhunter, known for his viral healthy grocery store swaps - joins Dr. Will Cole to talk health food trends, why you don't need to be wealthy to eat well, his favorite budget-friendly swaps, and the Thanksgiving dinner moment that kicked off his 50-pound weight loss. They also dig into GLP-1s, next-gen peptides, and why Hunter dialed his own supplement stack way down after a scary lab result. For all links mentioned in this episode, visit http://www.drwillcole.com/podcastPlease note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors:If you've been waiting for the right moment, this is it. Head to WaldenU.edu and take that first step.Get 20% off your DeleteMe plan when you go to joindeleteme.com/ABW and use promo code ABW at checkout.Visit fromourplace.com/WILLCOLE and use code WILLCOLE for 10% off sitewide.Use code WILLCOLE at puori.com/WILLCOLE to get 32% off your first Puori Grass-fed Whey Protein order when you start a subscription.Get 25% Off Cowboy Colostrum with code WILL at https://cowboycolostrum.com/will.Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The data says what no one's talking about. Fall and Winter 2026 may be the best buying window First Time Homebuyers have had in over a decade.Most buyers are on the sidelines waiting for rates to drop. That's exactly why the next five months are your "Fall and Winter Window of Opportunity."The market is quietly flipping in your favor. Inventory is at levels we haven't seen since 2019. Sellers outnumber buyers by nearly 58%. And a lot of those sellers would rather cut you a deal than sit through another open house.Here's how to spot the shift and use it, before spring competition wipes it out."You are not negotiating with a spreadsheet. You are negotiating with a human being who is now panicking."David Sidoni, Nationwide First Time Homebuying CoachHighlightsThe window. Why this fall and winter may be the strongest buyer's market in decades, and what makes it different this time.Your leverage. Inventory hit a 2019 high. Sellers outnumber buyers 57.9%. What that actually does for your offer.The number nobody explains. List prices are falling while sale prices climb. Which one should you trust?Seller psychology. In winter, certainty beats top dollar. How to use their deadline pressure to your advantage.The builder trap. The "bait and switch" costing First Time Homebuyers thousands, and how to spot it early.Your first move. Why hiring your "Unicorn" team right now matters most, even if buying feels months away.Referenced EpisodesHomebuyer Pros & Cons: New Build vs. Resale513 – First-Time Homebuyer Headlines & Scams - PART 2 - Summer 2026 Housing Market Update529 – Beat the Rates: 9 Tips to Make High Interest Rates Affordable in Late 2026522 – Low Down Payment Strategies – First Time Homebuyer Options in This Economy523 – Your Rent Payment Is Already 79% of a Mortgage (Here's What You're Missing)524 – Make this Your Last Lease Ever – Stop Renting, Start Earning Equity525 – Rent vs. Buy in 2027?526 – The Housing Market Sucks: Should You Wait to Buy a Home?527 – What's Happening in Housing Right Now? – September 2026 First Time Homebuyer Market Update528 – How to Buy a House: Essential Tips for First Time Homebuyers500 – What to Know Before Buying Your First Home in 2026501 – First Time Homebuyer Step #1: DecideHowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

This week, Katie, Leah, and Rachel talk motherhood in sport, post-UTMB recovery, and their renewed motivation to get serious about strength training.Katie also sits down with Jes Parker, founder of Take 2 Trail, a secondhand trail running gear business making it easier for runners to buy and sell used gear. Jes shares how a pile of unwanted headlamps sparked the idea, how Take 2 Trail works, and why giving gear a second life can make trail running more affordable and less wasteful.Plus, the crew catches up on what's next after UTMB, from mountain biking and CCC goals to getting “shredded in the backyard.”This episode is edited and produced by the Sandyboy Productions Podcast Network.A big shout out to our sponsor ⁠⁠Precision Fuel & Hydration⁠⁠. Go to ⁠⁠pfandh.com⁠⁠ to crush your next race with a personalized fuel & hydration plan. Use code "TTNP15" at checkout.A special thank you to Osprey for supporting this episode. Visit Osprey.com to explore their incredible products!

Edmonton Garden Suites Are One of Canada's Biggest Real Estate Opportunities Today's episode is all about one of Wayne's favourite real estate investment opportunities right now: Multi-unit garden suites in Edmonton. Wayne and Gabby break down why Edmonton's current zoning creates an unusual opportunity to keep an existing house at the front of a property while developing multiple additional rental units in the backyard. For the projects Wayne is currently working on, the attraction comes down to three major things: Cash flow. Forced equity. The potential to refinance and redeploy capital. And unlike traditional infill development, the strategy does not necessarily require tearing down a perfectly good house. Why Wayne Started Looking at the Backyard When Edmonton changed its zoning rules to encourage more housing density, much of the development community focused on tearing down existing houses and building more units on the front portion of the property. Wayne looked at it differently. Instead of asking: How much more can we build if we tear the house down? He asked: What if we keep the house and develop the unused land behind it? That led to the multi-unit garden suite strategy. On the right Edmonton lot, Wayne says investors can potentially keep the existing house and add as many as four additional rental units in the backyard. Why Edmonton? According to Wayne, Edmonton currently provides a unique combination of: Flexible development rules Affordable land and housing Strong rental demand High-paying employment A strong tenant profile Alberta's landlord and tenant operating environment That combination is what makes the opportunity especially interesting to him. Wayne says that if this same development opportunity existed in a market where he did not want to operate a rental business, he would be far less interested. The market still matters. The Housing Accelerator Fund Wayne explains that Edmonton's zoning changes followed broader efforts to increase housing supply and density. He discusses the federal Housing Accelerator Fund and Edmonton receiving significant funding in exchange for housing and zoning initiatives designed to allow more homes to be built. Those changes opened the door to development opportunities that previously did not exist. Why the Opportunity May Not Last Forever One of Wayne's biggest warnings: Do not assume today's zoning rules will exist forever. Rules change. Municipalities adjust development regulations. Neighbourhood opposition can increase. Height, setback and density rules can all be modified. Wayne points to Calgary as an example of a city where development rules have already started changing. His concern is that investors may discover the opportunity after the rules have already become more restrictive. The Lots Are Limited Too Zoning is not the only constraint. The property itself needs to work. Gabby explains that multi-unit garden suites require enough usable backyard space. Wayne calls it needing a: "Big booty." A large backyard. That means investors are competing for a limited number of properties with: Large enough lots The right configuration A usable existing house A purchase price that still makes the development profitable Today, Wayne says much of the competition for those properties is still homeowners. But if more investors and developers begin targeting the same lots, demand could increase. Wayne's First Fourplex Garden Suite Is Almost Finished Wayne and Gabby also give an update on their High Park multi-unit garden suite project. The four suites are essentially complete internally. Remaining work includes exterior items such as: Sidewalks Landscaping Fencing Wayne is preparing to begin marketing the four one-bedroom suites. This is one of five projects Wayne says they currently have underway. The Cash Flow This is where Wayne believes the strategy becomes especially compelling. On the type of fourplex garden suite projects he is developing, Wayne says there is potential for: $1,500+ per month in additional cash flow after financing and operating expenses. That is not gross rent. That is the projected remaining monthly cash flow from the additional units based on the project assumptions Wayne is discussing. How Does It Perform on the 5% Rule™? Wayne then applies his 5% Rule™ Cash Flow Test. His framework: 5–6% = minimum acceptable 7–9% = strong 10%+ = exceptional For the garden suite project discussed in today's episode, Wayne says the projected result is approximately: 13.8% or roughly: 14% on the Cash Flow Test. That is why Wayne considers these projects unusually attractive from a cash-flow perspective. Actual results will depend on construction cost, financing, rents, operating expenses, property price and the specific project. Cash Flow Is Only Part of the Opportunity Wayne says the bigger opportunity may be what happens to the value of the property after construction. Suppose the total amount invested into the property and development is one number. But the completed property appraises for significantly more. The difference becomes created equity. On some of Wayne's current projects, he says he expects to create: More than $250,000 in equity upon completion. That creates another potential strategy. The BRRRR Strategy — But With Development Traditional BRRRR: Buy Renovate Rent Refinance Repeat Wayne proposes changing the renovation step. Instead: Buy Build Rent Refinance Repeat Rather than renovating a kitchen or adding a basement suite, the investor develops multiple new rental units in the backyard. If the completed property appraises high enough, refinancing may allow the investor to recover a significant portion of the capital invested. In the right project, Wayne believes there may even be an opportunity to recover most or potentially all of the initial capital. That capital can then be redeployed into another property. Cash Flow + Equity + Refinance Potential This is what makes the strategy so exciting to Wayne. One development can potentially provide: Strong monthly cash flow Significant new equity Mortgage principal paydown Long-term appreciation exposure Additional rental units The potential to refinance The ability to redeploy capital And the original house can remain in place producing rental income. A New Property Closing Today Wayne and Gabby also discuss another rental property they are taking possession of today. Their projected cash flow: Approximately $700 per month. Wayne plans to leave that cash flow inside the property reserve. Starting with approximately three months of rent in reserves and adding $700 per month would contribute another: $8,400 per year before any future rent increases. His point: Cash flow is not necessarily spending money. Cash flow builds resilience. A healthy reserve protects the investment against repairs, vacancy, changing rents and higher interest rates. Want to Know What You Can Build? If you already own an Edmonton property or want to purchase one for a garden-suite development: www.edmontongardensuites.com You can book a consultation and have the team assess what may be possible on a specific property. The site also includes information on existing garden-suite models and development options. The 5% Rule™ Learn Wayne Hillier's cash-flow framework for Canadian rental properties. Search: The 5% Rule by Wayne Hillier on Amazon. REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, market analysis, financing, joint ventures, property management and building a profitable Canadian real estate portfolio. www.reimasters.ca Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions: info@reimorningshow.com Upcoming Event REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

#HorseRacing #BelmontPark #JCGC #ForeverYoungWelcome to another edition of Bettin N Boozin on the HHH Racing Podcast! This week we are very excited to be covering the OPENING DAY of NEW BELMONT PARK, which includes the Grade 1 Jockey Club Gold Cup! Who do we think wins? Find out in this episode!Come for the handicapping, stay for a drink!It's a great day to make some money, we are always Boozin N Not Losin! Stay tuned for GREAT ANALYSIS and see you in the LIVE CHAT!Please Like, Subscribe and comment below the video player your opinions, we would love to hear from you and respond to every one!__________________________________________________________________NORMAL PODCAST SCHEDULE:Wednesday Night @8pm EDT: Bettin N Boozin with Kyle, Andrew, and CharlieWednesday Night @9:30pm EDT: Pacific Horseplayers with Noah and JacksonThursday Night @8pm EDT: Picks and Ponies with Howard, Pete and Paul(MORE COULD BE ADDED AT ANY TIME, PLEASE SUBSCRIBE AND HIT THE NOTIFICATION BELL TO BE NOTIFIED OF ALL LIVESTREAMS/VIDEOS!)__________________________________________________________________Go to our website: https://www.hhhracingpodcast.com__________________________________________________________________Podcast Twitter/X: @hhhracingpodHost:Kyle Roscoe: X - @APRoscoeKCo-Hosts:Andrew Rdesinski: X - @phillyboy415Charlie Freeman: X - @CFREE316Intermittent Co-Hosts:Noah Meagher: X - @NoahMeagPatrick Kuenzel: X - @PatrickKuenzel_________________________________________________________________Horse Racing Promotions: Subscribe to the excellent, informative, AFFORDABLE and profitable "Power Picks" Tip Sheet! Please go to: www.patreon.com/hhhracingpodcast Fantastic ABC P4 and P5 grids, along with Spot Plays and Price Plays provided that currently has an ROI around $2.15 (national average is $1.60). Picks arrive via email every Sat. morning for that day's races. Purchase your Power Picks NOW and make 2024 your best handicapping year ever! www.patreon.com/hhhracingpodcast__________________________________________________________Bettin N Boozin Logo by Erik Morgan (Instagram @erik_mgn10)__________________________________________________________Intro Music:Superepic by Alexander Nakarada | https://creatorchords.com/Music promoted by https://www.chosic.com/free-music/all/Attribution 4.0 International (CC BY 4.0)https://creativecommons.org/licenses/...___________________________________________________________Horse Racing Intro Background Video graciously provided by @Fastec ImagingLink to video: https://www.youtube.com/watch?v=UfuI_TiKDYI___________________________________________________________LINK TO SIGN UP TO BETUS -- (USE CODE RACING3H WHEN DEPOSITING MONEY)https://www.betus.com.pa

#horseracing #churchilldowns #twinspiresHost Noah Meagher and Co-Hosts Pete Visco and Charlie Freeman give analysis of the card at Churchill Downs on Saturday 9/19! Make sure to put your opinions in the live chat, it's gonna be a great show!Good luck!X Handles:Noah Meagher - @NoahMeagJackson Muniz - @Jaxmuniz_HHH Racing Podcast - @hhhracingpodHorse Racing Promotions: Subscribe to the excellent, informative, AFFORDABLE and profitable "Power Picks" Tip Sheet! Please go to: www.patreon.com/hhhracingpodcast Fantastic ABC P4 and P5 grids, along with Spot Plays and Price Plays provided that currently has an ROI around $2.05 (national average is $1.60). Picks arrive via email every Sat. morning for that day's races. Purchase your Power Picks NOW and make 2026 your best handicapping year ever!www.patreon.com/hhhracingpodcastMontage Info:Track: Brian Rian Rehan - DarkMusic provided by Brian Rian RehanFree Download / Stream: https://music.brianrianrehan.com/Dark#horseracing #delmar #gambling #pick5 #openingday #betting #handicapping #bestbet

Affordable training equipment can give officers more opportunities to practice, but repetition alone does not make a skill last. An officer may look proficient by the end of a familiar drill and still struggle to recall or adapt that skill later, especially when an encounter adds movement, communication, uncertainty and time pressure. In this special episode of the Policing Matters podcast, host Warren Wilson speaks with Las Cruces Police Chief Jeremy Story and Mike McCaslin, law enforcement and government channel manager for T4E – Training for Engagement. They examine what separates purposeful practice from simply adding more drills and how agencies can make limited training time count. The conversation covers spaced, variable and random practice; short, frequent training sessions; force-on-force scenarios; and the line between technical firearms performance and sound police decision-making. About our sponsor Training for Engagement – provides the industry's most realistic training equipment to help professionals build skills with confidence and safety. From precision-engineered paintball markers that replicate duty firearms to high-quality gear for scenario-based training, T4E helps you prepare for real-world situations without real-world risk. Equip your team with tools that enhance muscle memory, accuracy, and decision-making under pressure. To explore the full line of training products, visit T4Eguns.com.

If you've ever held yourself back from charging more because you feel guilty, this episode is for you. Whether you're the coach who is convinced that everybody is broke and struggling to charge more, or the coach who's grown their roster without ever raising rates (because you just want to "help people"), this episode was made for you. I'm breaking down why rates matter (and no, this isn't a “charge more” episode), how you can impact more lives without sacrificing your wellbeing or margins and why anything you've told yourself that seems logical is actually holding you back from building a business that gets you the freedom you actually want. —Get a completely free 15-minute business audit. https://audit.impactcoachacademy.com/Connect with Taeler on Instagram. https://www.instagram.comLearn more about Impact Fitness Coaching Academy, and how we've helped 5,035 coaches scale to 6 and 7-figures online and generate $330M in revenue. https://www.impactcoachacademy.com/home Want more proof our methods work? https://www.trustpilot.com/review/impactcoachacademy.com 

Roy L Hales/ Cortes Currents - The Cortes Island Fire Department successfully passed the tests needed for Superior Tanker Shuttle Service accreditation. Some Cortes Island residents in Whaletown and the south of the island will probably see their home insurance bills reduced by hundreds of dollars. Where and how much is up to the individual insurance companies, and it will be months before we see the final numbers. Some parts of the island like Squirrel Cove, Mary Point and the Olmstead Road area that will not see any change, at least not yet. While monetary savings is an important topic, achieving Superior Tanker Shuttle Service (STSS) accreditation is also a significant milestone in the Cortes Island Fire Department's development. Fire Chief Eli McKenty was on the ferry when Cortes Currents caught up to him for further details.

On today's show, we hear that a new bookshop is open in Springdale with a pay-what-you-can model. We also consider the future of higher education with AI, rising costs and uncertain legislative waters. Plus, we look forward to this year's Veterans Day Parade.

Roy L Hales /Cortes Currents - Filipe Figueira felt the urge to paint for decades before bursting onto the local art scene with a solo exhibition at the Old Schoolhouse Art Gallery. That was two years and many paintings ago. Since then, Filipe has exhibited in Sooke, and was one of the contributors to a show organized by the Federation of Canadian Artists on Granville Island. In March, he had a residency in Portugal and his exhibition 'In Positive Space' is currently on display at the Gibsons Public Art Gallery.

Discover how first-time homebuyers can conquer high interest rates (near 7%) using hidden strategies like seller concessions and buydowns to secure true affordability. Feeling priced out by today's high mortgage rates? This episode reveals tactical, often-overlooked strategies that empower first-time homebuyers to achieve affordability. Learn to build a comprehensive financial strategy beyond just rate-shopping, utilizing advantages like seller concessions, temporary buydowns, house hacking, and credit optimization. Move from overwhelmed to strategically prepared with a trusted advocate by your side. "The best mortgage rate for you — especially as a first-time buyer — is not the lowest number advertised. It's the one attached to the strategy that leaves you in the strongest financial position." — David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is asking for seller concessions often more valuable than a simple price reduction?How can you demand your lender's full "rate and price grid" to uncover the true cost of a loan?What are temporary rate buydowns and how can they save you hundreds monthly in the critical first years?Why might a 20% down payment sometimes incur higher fees than a smaller down payment?How can house hacking or using "border income" from a roommate increase your buying power?Why should you spend hours interviewing advocates now instead of frantically rate-shopping later?HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

House prices are down. Interest rates are down. So housing must be affordable again, right?Not everywhere... and the picture is more surprising than you'd think.In this episode, Ed and Andrew compare every district against its long-term average to see where affordability is improving and where it's slipping away.You'll learn:Whether housing is actually more affordable than usual right nowThe places getting better fastest, and the ones slipping awayWhy "more affordable" doesn't always mean "affordable"Affordability isn't just a snapshot. It can be a signal of where prices could go next.Let us know your thoughts by leaving us a voice message on the Property Academy Hotline⁠⁠⁠⁠⁠⁠⁠For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠

Canada's housing market is becoming more affordable, but just as buyers are getting some relief, a new set of risks is emerging.The latest RBC affordability data shows condo affordability nationally has improved all the way back to late-2019 levels, reversing much of the deterioration that followed the pandemic. Toronto and Victoria are now even more affordable than they were in 2019, while Vancouver is only a few percentage points away.Renters are also gaining ground. Average Canadian rents have fallen 4.8% year-over-year to $2,035, marking the 23rd consecutive month of annual declines. Vancouver rents are down 2.4% to $2,729, while record levels of purpose-built rental construction continue adding competition for tenants.But affordability is only one side of the equation.Canada unexpectedly lost 41,700 jobs in August, compared with expectations for a 15,000 gain. Unemployment remained at 6.4%, but wage growth slowed to just 2%, its weakest pace since 2017. The question now is whether this was simply one weak month or the beginning of tariffs and slowing growth showing up in employment.Meanwhile, mortgage borrowers face a very different problem.Canada's five-year government bond yield reached 3.63%, a 27-month high, as bond yields surge globally amid inflation concerns, enormous government borrowing and geopolitical instability. Because five-year Canadian bond yields heavily influence fixed mortgage pricing, mortgage rates can rise even while the Bank of Canada keeps its overnight rate unchanged.Markets are also increasingly contemplating Bank of Canada rate hikes. At the time of recording, market pricing implied a 42% probability of an October hike and 78% by December, with additional increases being priced into 2027. Those probabilities can change rapidly, but the dramatic shift illustrates how quickly the interest-rate narrative has reversed.Development is providing equally dramatic examples of the market reset.CURV, the proposed 60-storey luxury Vancouver tower once marketed as the world's tallest Passive House and famous for offering a Porsche promotion, entered receivership after selling only 41 units. Presale contracts have now been terminated, and the 1075 Nelson Street development site is back on the market. The land had reportedly been appraised between $169 million and $183 million in 2024, illustrating just how dramatically development economics have changed.And even completed projects aren't immune to problems. Owners at Coquitlam's 567 Clarke + Como have filed a lawsuit alleging defects involving waterproofing, windows, HVAC, concrete, balconies and elevators. None of the allegations have been proven in court, and the developer disputes the claim, but the case provides an important reminder for condo buyers: new does not automatically mean risk-free.Finally, Vancouver's fall market is beginning under a cloud of uncertainty. Only 447 homes sold during the first nine days of September, compared with 539 during the same period last year, a roughly 20% decline. It's far too early to call the month, but the initial numbers point toward an unusually slow start.The contradiction is becoming impossible to ignore: housing and rents are becoming more affordable, but employment is weakening and borrowing costs threaten to rise again.For Vancouver real estate, the next phase may be determined by which of those forces wins._________________________________ Contact Us To Book Your Private Consultation:

AI's Making The Surveillance State Affordable by Nick Espinosa, Chief Security Fanatic

New cars have gotten really expensive, with average prices hovering around $50,000. It's put potential buyers in a tough spot and instead, many drivers are keeping their cars for longer. WSJ's Sharon Terlep explains the market and economic forces that squeezed out buyers on a budget and how the auto industry is adapting. Jessica Mendoza hosts. Further Listening: - Confused About Automated Driving Features? You're Not Alone. - Can the U.S. Keep Chinese Cars Out? Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this week's episode we are joined by Noah Mehmen, and we are talking about outfitted hunts that are possible for the everyday hunter to afford. From Gator hunting in Florida, Wolf and Bear hunting in Canada, Nilgai Antelope in Texas, or your local Whitetail, Antelope and cow elk hunts. Hunting has gotten expensive over the years, but with a hunt plan and a budget anyone can still go on an incredible once in a lifetime adventure.

Scaling three companies as a solo founder sounds impossible until you see what Eric Levine has built with AI.Eric is the founder of Strategy Engine AI, ScubaZen, and Venice Threads Company. Before entrepreneurship, he worked at Meta, leading global strategy across Facebook and Instagram while helping improve operational efficiency. After four years, he left corporate life without a clear next step, right as generative AI was beginning to reshape how businesses could be built.With no technical background and no coding experience, Eric taught himself how to use tools like Claude Code and custom AI agents to create the infrastructure behind his companies. Today, he runs all three ventures as a one-person team from a co-working space in Venice Beach and shares what he is learning through Eric Grows Companies, where he helps founders build practical AI systems of their own.In this episode, Kevin sits down with Eric to talk about using AI as a strategic thought partner, taking ownership of web infrastructure for AI search and AEO, building with autonomous agents, and creating systems that allow a solo founder to scale without sacrificing personal peace.Key TakeawaysOwn Your Digital Foundation. More control over your website can improve how AI finds and cites your content.Use AI to Challenge You. The best tools question assumptions instead of simply agreeing.Prioritize Better Content. Human-refined, high-quality content is more likely to stay visible in AI search.Protect Your Peace. Build in a way that supports your well-being, not just growth.Create Daily Anchors. Fixed routines add structure to an otherwise flexible schedule.Build Systems That Keep Running. Automation reduces the amount of work that depends on you.Listen to the EpisodeYouTube: https://www.youtube.com/@risingtidestartups Apple Podcast:https://podcasts.apple.com/us/podcast/rising-tide-startups/id1330525474 Spotify: https://open.spotify.com/show/2eq7unl70TRPsBhjLEsNZR Website: https://risingtidestartups.com/Connect with Joe DalyWebsite: https://ericgrows.com/Youtube: https://www.youtube.com/@EricGrowsCompaniesClosing Thought“Your inner self is going to know what the right answer is. It just takes the guts to follow it. Your happiness is in your control. It's not anyone else's responsibility. If you don't take the leap, you may keep feeling that way forever.” — Eric Levine Sponsor ShoutoutsNaviqus Virtual Services - Hassle-free administrative support services that are efficient, affordable, and tailored to your needs. Check out https://naviqus.com now to jumpstart your business for 2026!Podbrand Media - Have you ever considered starting your own podcast for your company or brand?  Podbrandmedia.com can help.  Affordable and effective in content creation and lead generation!

Episode Summary Who is Susie Selby, and what does it take to build an independent winery in Sonoma County? In this episode of the Wine Road Podcast, Katie Ambrosi sits down with Susie Selby, owner, winemaker, and sole proprietor of Selby Winery in downtown Healdsburg, California, for a wide-ranging conversation about winemaking, harvest in Sonoma County, the evolution of Healdsburg, and more than 25 years of making wine under the Selby label. Susie shares the story of founding Selby Winery with her father in the late 1990s and continuing the winery after his unexpected death just a few years later. She talks about her winemaking philosophy, her love of classic, Burgundian-style Chardonnay, and why she has always focused on making wines people can actually afford to open and enjoy. The conversation also uncovers some remarkable chapters in Selby's history. Susie recalls being selected to make Chardonnay for Robert Redford's Sundance program, discovering that "Bob" was actually Robert Redford, and accidentally mistaking Glenn Close for Meryl Streep. She also explains how Selby wines found their way into the White House during three presidential administrations, including becoming a favorite of Laura Bush and having Selby Sauvignon Blanc served as a house white during the Obama administration. Katie and Susie also explore the lighter side of Sonoma County wine country: the story behind the cult-favorite Bobcat Zinfandel, Susie's new Naughty Nancy white port, favorite old and new Healdsburg restaurants, affordable ways to experience Wine Country, and Susie's other passion—playing drums in a local band. It's a conversation about Sonoma County wine, women in winemaking, Healdsburg history, hospitality, family, resilience, and the relationships that make Northern Sonoma County wine country special. In This Episode You'll hear about: Susie Selby's journey from working at Rabbit Ridge to becoming the owner and winemaker of Selby Winery What harvest season actually looks like for a Sonoma County winemaker Selby's approach to Russian River Valley Chardonnay and French oak Making wine for Robert Redford and Sundance How Selby wines were served at the White House The story behind Bobcat Zinfandel How Susie continued the winery after losing her father and co-founder Women in the Sonoma County wine industry, then and now Old-school Healdsburg restaurants and today's favorite local spots Affordable ways to taste, eat, and explore Healdsburg Selby's Carignan, Cabernet Sauvignon, Zinfandel, Chardonnay, Sauvignon Blanc, Pinot Noir, dessert wines, and port Susie's unexpected second act as a drummer Timestamps 0:10 — Welcome to the Wine Road Podcast; Katie and Susie introduce themselves 0:20 — Meet Susie Selby: owner, winemaker, and national sales manager of Selby Winery — and what it means to run an independent winery as a sole proprietor with no partners or investors 1:05 — Sonoma County harvest season: night picks starting at 12:30 AM and 3:30 AM, checking tonnage, estimating tank space, and making sure vineyard crews start in the right place 2:20 — What's coming into the winery this harvest: Sauvignon Blanc arrives first, with Chardonnay coming next 2:30 — Tasting the 2024 Selby Chardonnay and Susie's "old-school" Chardonnay philosophy: barrel fermentation, French oak, approximately 20% new oak, and a Burgundian style 3:45 — The Selby Winery origin story: starting the winery with her father in the late 1990s and making the wines they loved instead of chasing the buttery, heavily oaked Chardonnay trend. "The backup plan is to drink it." 5:10 — The Robert Redford story: how Sundance selected Susie as its Chardonnay winemaker for 8–10 years — and why she didn't initially realize "Bob" was Robert Redford 7:00 — A winemaker dinner at Sundance and the night Susie thought she was sitting next to Meryl Streep — but it was Glenn Close 8:45 — Selby wines at the White House: wines ordered during the Clinton administration, served frequently during the Bush administration, and Selby Sauvignon Blanc becoming a house white during the Obama administration 9:40 — How Selby wine actually got into the White House: a Hotel Healdsburg "bring your own magnum" party, a call to the White House Usher's Office, and an unexpected private tour 11:50 — Hospitality comes full circle: discovering that the White House staffer giving Susie the tour had visited her tasting room years earlier and spent two hours barrel tasting with her 13:20 — Sonoma County wine industry camaraderie and how the relationship between wineries shifted from competition toward greater collaboration after COVID 15:15 — The founding of the Wine Road in 1976, personal winery recommendations, and the lost art of spontaneous Wine Country weekends 17:15 — Women in winemaking: the Carol Shelton story and how dramatically opportunities for female winemakers have changed since the 1970s 18:30 — Susie's early winemaking career at Rabbit Ridge, where her name is still written on the warehouse door at what is now Matrix Winery 19:15 — Where to eat in Healdsburg: El Sombrero vs. Guadalajara, favorite restaurants, and why choosing just one is nearly impossible 22:30 — The story of Selby Bobcat Zinfandel: a cult-favorite, approximately 500-case wine at 17% alcohol, named after a bobcat Susie spotted in the vineyard 25:00 — Visiting Selby Winery in downtown Healdsburg: the courtyard patio, intimate tasting experience, and Raphael's personalized approach to wine tasting 26:30 — Susie's father and Selby Winery co-founder: a renowned spine surgeon, international wine collector, and the dream that inspired them to start a winery together 28:20 — Losing her father unexpectedly to an aneurysm at age 61 and Susie's decision to stay in California and continue building Selby Winery 29:20 — What Susie's father would think of Selby Winery today: "I think he'd be proud." 29:50 — Susie's wine pricing philosophy: making approachable, affordable wines you can open on a Tuesday night—not just save for Saturday 31:30 — Exploring the Selby Winery portfolio: Sauvignon Blanc, Chardonnay, Grenache Blanc, Pinot Noir, Grenache, Syrah, Carignan, Cabernet Sauvignon, Merlot, three Zinfandels, dessert wines, and port 34:50 — Fancy Nancy and Naughty Nancy: a late-harvest Gewürztraminer dessert wine and new white port named after Susie's 90-year-old mother, Nancy 36:30 — Which Selby wine is most like Susie? Not the elegant Chardonnay or powerful Bobcat Zin—it's the Carignan: low-maintenance, fun to drink, and hard to pronounce 38:30 — Susie's dream wine to make next: Vermentino or Arneis and her interest in unique white grape varieties 39:30 — Old Healdsburg memories: Charcuterie, Bistro Ralph's, Scopa, Fitch Mountain Eddie's, street dances, Molly Malone's, and favorite dishes locals still remember 43:30 — Healdsburg happy hours and affordable Wine Country experiences: Matheson, its rooftop "reverse happy hour," Spoonbar, and where locals find great value 45:00 — How Wine Road helps visitors plan a Sonoma County wine trip: printed maps, personal recommendations, chat, itinerary planning, and a searchable winery database 47:30 — Susie the musician: playing drums in Vertical Flight with Michael DeLoach, her sister Betsy on saxophone, and Adam Lieb on guitar 49:10 — Cloverdale karaoke nights with Katie and Gina Mazzocco — and plans for a possible band debut at Susie's "bring your own magnum" party 50:30 — Final toast: to the Chardonnay, to Bob, to Dave, and to next time Wines Mentioned Selby Russian River Chardonnay (2024) Selby Dave Selby Reserve Chardonnay Selby Sauvignon Blanc Selby Bobcat Zinfandel Selby Carignan (2021, Peterson Ranch) Selby Cabernet Sauvignon Selby Pinot Noir and Dave Reserve Pinot Noir Selby Grenache Selby Syrah Selby Merlot Selby Old Vine Zinfandel Selby Otto's Block Zinfandel Fancy Nancy Late Harvest Gewürztraminer Naughty Nancy White Port Selby Port Healdsburg & Sonoma County Places Mentioned Selby Winery — Downtown Healdsburg El Sombrero — Healdsburg Guadalajara — Healdsburg The Matheson — Healdsburg Spoonbar — Healdsburg Campo Fina — Healdsburg Charcuterie, Bistro Ralph's, Scopa, Fitch Mountain Eddie's and Molly Malone's — former Healdsburg favorites Rabbit Ridge / Matrix Winery Rockpile — Sonoma County Hotel Healdsburg Cloverdale Railroad Station About Selby Winery Selby Winery is an independently owned winery based in downtown Healdsburg, California. Owner and winemaker Susie Selby produces a diverse portfolio of Sonoma County wines, including Chardonnay, Sauvignon Blanc, Pinot Noir, Cabernet Sauvignon, Zinfandel, Carignan, Grenache, Syrah, Merlot, dessert wines, and port. About the Wine Road Podcast The Wine Road Podcast explores the wineries, wines, people, food, events, and stories of Northern Sonoma County, including Alexander Valley, Dry Creek Valley, and Russian River Valley. Hosted by Katie Ambrosi of Wine Road, the podcast takes listeners behind the scenes of Sonoma County Wine Country and introduces the people who make it such a special place to visit.

More than 55% of Ohio children younger than six lived in “childcare deserts” in 2025, according to a study from the left-leaning Center for American Progress.

Runeasi - Gait Analysis Made Easy: Learn more at: https://runeasi.ai/ Book a free demo with PhD CEO Kurt Shütte: https://calendly.com/runeasi/30min In the call, he will explain the following topics depending on your primary interests: -How Runeasi can provide you with objective data to analyze walking and running gait patterns -How Runeasi can become your decision-making support tool and reduce uncertainty in clinical reasoning -How the Runeasi experience can motivate your clients and patients -How Runeasi testing protocols and client reports can be used to generate business and maximize ROI -Pricing options and how you can team up with Runeasi -------- Dr Kurt Heinrich Schutte has a PhD in Biomedical Sciences (KU Leuven) and Sports Sciences (Stellenbosch University). His PhD is on novel biomechanical metrics in the real-world using wearable technology. He is passionately committed to building decision-support tools in the health and sports technology sectors using a multidisciplinary cocktail of research, innovation, data science, and entrepreneurship.

A con man with a gift for talking fast and a knack for never getting caught made himself invaluable to the FBI in the late 1970s — and the FBI made him the centerpiece of the biggest political corruption sting in a generation. It never should have worked, yet it went further than anyone expected.Crimes of the Centuries is a podcast from Grab Bag Collab exploring forgotten crimes from times past that made a mark and helped change history. You can get early and ad-free episodes and more over at www.grabbagcollab.comOrder the Crimes of the Centuries book at your favorite bookstore or at www.centuriespod.com/book!Follow us on Instagram and other social media: @centuriespod Episode Sponsors: Rula. Affordable, insurance-covered therapy with average $15 copays and licensed in-network providers, at Rula.com/COTC.Wildgrain. Bakery-quality sourdough, pastries, and French butter delivered frozen and ready in 25 minutes, with $30 off your first box at Wildgrain.com/COTC.Timeline (Mitopure Exfoliator). A gentle leave-on exfoliator pairing acids with Mitopure for resurfacing and cellular support, with a 15-day trial for $22 at Timeline.com/COTC.Quince. Elevated bedding, apparel, and home essentials priced 50-80% less than similar brands, at Quince.com/CENTURIES.

Manufactured housing is often overlooked because of outdated perceptions and stigma—but could it be one of the answers to today's housing affordability challenge?In this episode of Exit Strategies Radio Show, Corwyn J. Melette talks with Ali Nasir, founder and managing partner of Rise360 Ventures, about why investors are paying closer attention to manufactured housing, what makes this sector different, and why many people still misunderstand its potential.They explore manufactured housing as a path to homeownership, an investment opportunity, and a way to create stronger communities and long-term wealth.Most importantly, this conversation challenges the idea that manufactured housing is a “last resort.” It can be a choice—and for many families, it can be an opportunity.Because when we make smarter real estate and financial decisions today, we create the foundation for wealth, stability, and legacy tomorrow.Key Takeaways:04:08 Family roots in manufactured housing07:18 Why manufactured housing is overlooked09:31 Manufactured housing as a path to homeownership11:52 Why investors are paying attention13:52 How manufactured homes have evolved15:31 Affordable housing and responsible investing18:27 Where the investment opportunities are20:58 Why experienced operators matter23:07 Manufactured housing is a choice, not a last resort24:06 What really matters when building a legacy25:45 Real estate as a vehicle for legacy buildingLegacy Building Takeaway:“What transfers and what's most important in terms of legacy building is the knowledge, the wisdom, the tenacity, the ambition, the morals, the values, the ethics.”Connect with Ali:Website: https://rise360ventures.com/LinkedIn: https://www.linkedin.com/company/rise360ventures/Email: info@rise260adventures.comConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Country Boy HomesYou served your country with pride. Now it's time someone serves you. At Country Boy Homes, we believe every veteran deserves a safe, beautiful and affordable place to call home.We proudly offer VA loan friendly, manufactured and modular homes built with integrity, quality and your family and mine. Whether you're retiring to the peaceful low country or starting fresh with your family, we're here to build the future you've earned. Give us a call today, 843-574-8979.

Are the flowers you're dreaming of for your wedding going to be out of season when you want them, or just completely out of your budget?Let me say first, I have so much love and respect for live flower traditional florists. They are some of the hardest working people in the wedding industry, and their artistry deserves to be recognised and valued.This episode is not about choosing a side between real flowers and faux flowers.But it is about the couples who've found a sweet spot between fresh and faux that gave them the look, the practicality, the budget, and the environmental impact that worked for them.You'll hear: the surprising truth about how the eco footprint of high quality faux flowers actually compares to fresh, why the difference in weight of a faux vs real flower stem isn't quite as simple as you'd assume, and the questions you need to ask that could protect you from a nasty surprise on the day. Plus what actually happens to those faux flowers once your wedding is over and the affordability question that everybody wants to know the answer to. Resources: The Lily Pipit: https://www.thelilypipit.com.au/The Lily Pipit on Instagram: https://www.instagram.com/the_lily_pipit/Send Unbridely a 90-second audio message on Speakpipe: https://www.speakpipe.com/unbridelypodcast*The Unbridely Podcast is sponsored by its listeners. When you purchase products or services through links on our website or via the podcast, we may earn an affiliate commission.*------ This episode of the Unbridely Modern Wedding Planning Podcast is brought to you by Easy Name Change.You simply choose which companies you need to notify, and they send you detailed process instructions for each of your companies, plus ready to send forms, letters, and emails, so you just attach your marriage certificate to them and you're done!More info on how to change your name after you get married: https://unbridely.com/blog/name-change-after-marriage For $20 off your Easy Name Change pack for September 2026, use the discount code: UNBRIDELY----- Unbridely acknowledges the Traditional Owners of the Land we record this podcast on, the Kaurna People. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander cultures.Support the showFollow us on Instagram: https://www.instagram.com/unbridely/or TikTok: https://www.tiktok.com/@unbridelyEmail the Unbridely Podcast:hello@unbridely.com

We open with the tick report, including MAGA conspiracy theories about the supposed nefareous actors behind tick-bourn diseases that conveniently deflect attention from big oil and the fossil fuel utilities' responsibility in accelerating climate change. We discuss the We Energies rate hike media event and Public Service Commission (PSC) hearings this week in Milwaukee and how reining in the big for profit utilities is central to the fight against catastrophic climate change. We announce the latest round of Citizen Action endorsements for State Senate, State Assembly, and statewide office. It's Labor Day Weekend and we encourage our listeners to attend a Labor Day Weekend event with organized labor, as more progressive Labor unions get behind David Crowley ahead of Labor Day.

Why is state college tuition in Florida only $6,300 a year while other states are skyrocketing?

The future of mobility may not be about building bigger, more feature-packed vehicles.   Listen in as we sit down with Dr. Christopher Borroni-Bird, Founder, Afreecar Consulting, to discuss his vision for rethinking transportation through right-sized EVs, solar-powered mobility, autonomy, and locally tailored solutions. From fleet electrification and last-mile autonomy to new manufacturing models and the changing economics of vehicle ownership, this conversation explores what it takes make mobility more affordable, sustainable, and accessible around the world.  Learn more in Dr. Borroni-Bird's award-winning SAE International book, Sustainable and Affordable Mobility for All, which expands on these ideas and offers a compelling roadmap for the future of transportation.   We'd love to hear from you. Share your comments, questions and ideas for future topics and guests to podcast@sae.org. Don't forget to take a moment to follow SAE Tomorrow Today—a podcast where we discuss emerging technology and trends in mobility with the leaders, innovators and strategists making it all happen—and give us a review on your preferred podcasting platform. Follow SAE on LinkedIn, Instagram, Facebook, X, and YouTube.Follow host Grayson Brulte on LinkedIn, X, and Instagram.

Licensed Legal Paraprofessionals (LLPs) in Colorado: Expanding Access to Family Law Help | Divorce at AltitudeWelcome back to Divorce at Altitude with co-host Amy Goscha. This episode features Megan Flanagan, a Licensed Legal Paraprofessional (LLP) practicing family law in Colorado. Together, Amy and Megan discuss the evolution of the LLP program, how LLPs are helping bridge the gap between self-represented litigants and traditional legal representation, and what the future may look like for this growing profession. Many people going through divorce or custody matters cannot afford traditional legal representation but still need guidance navigating complex legal processes. This episode explores how LLPs provide limited-scope legal services, support clients through family law matters, and improve access to justice while working alongside attorneys. Episode HighlightsMegan's Journey to Becoming an LLP How Megan transitioned from more than two decades as a family law paralegal into one of Colorado's first Licensed Legal Paraprofessionals and how her firm integrated LLPs into its practice model. What LLPs Do and How They Help Clients Understanding the role of LLPs, their limited license to practice law, and how they assist clients who may not have the resources for traditional attorney representation. The Difference Between LLPs and Paralegals How LLPs navigate their dual experience, the difference between supporting an attorney as a paralegal and representing clients under an LLP license, and why clear communication about roles is important. LLPs in Court: Expanding Responsibilities How recent rule changes now allow LLPs to examine and cross-examine witnesses, introduce evidence, and handle more aspects of hearings while continuing to build courtroom experience. Collaboration Between LLPs and Attorneys Why co-counseling models allow clients to receive specialized support while ensuring complex legal issues remain handled by experienced attorneys when needed. The Future of the LLP Program Discussion about expanding LLP services into additional practice areas, building mentorship opportunities, and creating stronger pathways for future legal professionals. Key Takeaways✔ LLPs help provide affordable legal guidance for people who may otherwise struggle to access representation.  ✔ The LLP role is different from a traditional paralegal role and comes with professional responsibilities and ethical obligations.  ✔ Recent rule changes have expanded what LLPs can do in court, making the process more efficient for many families.  ✔ Successful LLP programs require collaboration between attorneys, courts, mentors, and legal professionals.  ✔ Building a strong pipeline of trained LLPs and paralegals will be important for the future of accessible legal services. What is Divorce at Altitude? Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado. To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here.  If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at info@kalamaya.law.************************************************************************DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.

On the September 3 edition: Residents file a complaint over the way a southeast Georgia county approved a data center; the City of Milton settles a wrongful death lawsuit; and Keisha Lance Bottoms rolls out a plan to make groceries more affordable. 

If rising prices have you blaming inflation for everything, it may be worth looking at the spending habits that have become normal. Our favorite Bookkeeping Mensch, Paul Rosenblum, looks at the difference between expenses we can't control and the choices that still belong to us. Ultimately, affordability includes how we decide what we need, want, and can actually afford.With convenience making it easier than ever to spend without thinking much about it, Paul looks at where everyday choices can start stretching a budget too far. From credit cards to routine purchases that no longer feel optional, he brings the conversation back to one simple question: does your spending actually fit the money you have? It's a timely reminder to look at those habits now, before they become even harder to change.Episode mentioned:S9E8: The Hidden Bookkeeping Money Decisions You Make Every Dayhttps://pod.link/1688000860/episode/QnV6enNwcm91dC0xOTMzNDg0OASend us Fan MailSupport the showAbout the hostPaul Rosenblum has been doing hands-on bookkeeping for over 30 years, starting with QuickBooks Desktop and adapting to the world of cloud-based QuickBooks Online. He shares practical, in-the-weeds lessons from real client files every episode.

A few weeks ago, conservative online discourse was focused on the price of a burrito. Yes, the Vice President of the United States, along with the right's most celebrated minds, were arguing over whether a burrito should cost $20.Beneath the viral posts was a serious question: why does it feel like the American Dream keeps getting more expensive? Me and my wife certainly feel the squeeze on the cost of groceries, housing, and everyday necessities.We own a house, but homeownership is increasingly out of reach for young Americans. The problem has become existential, and Congress is once again debating how to tackle affordability.To figure out what to do about this deeply pressing issue, I spoke with John Gibbs, Director of the Institute for Economic Policy Studies at The Heritage Foundation. We chatted about what's really driving America's affordability crisis, how we get more American families in homes, and what policymakers can do to make it happen.

A few weeks ago, conservative online discourse was focused on the price of a burrito. Yes, the Vice President of the United States, along with the right's most celebrated minds, were arguing over whether a burrito should cost $20. Beneath the viral posts was a serious question: why does it feel like the American Dream […]

In this episode of the Passive House Podcast, Ilka Cassidy talks with Rob Leonard, a longtime builder and prefabrication specialist who helped develop the BuildSmart panel system and now leads PHIUS's Trades Training Program. Rob traces his path from decades in the field to pioneering panelized construction. Rob also shares what's next for industrialized offsite construction, from micro-factories to AI-assisted quality control, and reflects on workforce development as one of the most urgent challenges facing the building industry.Beeson Acres Resources LLC: https://www.beesonacresresources.com/Phius Trades Training Program to Help Shape the Future of Building: https://www.phius.org/phius-trades-training-program-help-shape-future-buildingVirginia Tech Housing Innovation Challenge: https://arch.vt.edu/experiential-learning/FutureHAUS/housing-innovation-challenge.htmlExpanding Industrialized Offsite Construction in Central Appalachia: https://cece.vt.edu/content/dam/cece_vt_edu/projects/Expanding%20industrialized%20offsite%20construction%20%28IOC%29%20in%20Central%20Appalachia.pdfConnect with Rob: https://www.linkedin.com/in/robert-leonard-b2873010https://www.phius.org/our-people/rob-leonardJoin us on the Reimagine Buildings Collective: https://collective.reimaginebuildings.com/Thank you for listening to the Passive House Podcast! To learn more about Passive House and to stay abreast of our latest programming, visit passivehouseaccelerator.com. And please join us at one of our Passive House Accelerator LIVE! zoom gatherings on Wednesdays.

How is it possible to build affordable homes in 2026, let alone keep them affordable when housing is appreciating at such a rapid rate? Lindsay Hicks, President and CEO of Habitat for Humanity of Kansas City, shares how Habitat is doing just that, and how REALTORS® can get involved. More info on REALTORS® Rock the Block: kcrar.com/rocktheblock

Join Reggie Kimble in the Puff Sip Chat Lounge as he sits down with Cigar Lady Annette to talk about the ins and outs of cigar lounge culture. Get a straight-shooting discussion about etiquette, customer service, and the realities of running a lounge.• Cigar lounge etiquette and common pet peeves• Cigar Lady Annette's journey as a lounge owner and founder of Leaf Angels LLC• The importance of ventilation and proper lounge management• Favorite Tampa lounges and what makes each unique• Lessons learned from real-world experience in the cigar communityChapters:00:00 Returning to the lounge scene03:58 Talking about Leaf Angels06:58 Hosting cigar events and Unity Smoke11:24 Parenting and accountability lessons15:54 Reflections after the PCA event19:36 Affordable cigars from J.R. Cigar20:05 Smoking cigars during activities23:34 Ventilation issues in Tampa lounge28:10 Challenges of owning a lounge30:20 Critiquing customer service basicsSupport the show

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Jill and Tom open the show discussing Ford's decision to import from China the compact Lincoln Corsair, this after briefly dropping the model due to manufacturing complications here in the U.S. The hosts go on to discuss news that Acura will be bringing to the North American market a 3-row crossover larger than the brand's popular midsize MDX. Note that the MDX is also offered with a 3rd seating row, though the accommodations are less than generous. Also discussed in the first segment is Nissan's plan to pull ahead the launch of the redesigned Rogue compact crossover. Already rescheduled from a mid-2027 rollout to a January introduction, the Rogue is now expected as early as this September. Listen in to learn why this updated crossover is so important to the Japanese carmaker. In the second segment the hosts welcome Tim Esterdahl of Pickup Truck plus SUV Talk (pickuptrucktalk.com). Tim shared insights into the massive ongoing Toyota-truck V6-engine recall, which will in some cases require a complete engine replacement. How long does it take to replace a truck engine? Listen in for details. Tim also shares news regarding his new WeTalkCars.com project, which expands his coverage beyond trucks and crossovers, and will include car reviews, consumer information, and buying guides. In the last segment, Jill is subjected to Tom's "Ten Years Later" quiz. Tom also shares some insights regarding EV startup carmaker Lucid, and its construction of a car factor in Saudi Arabia. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

While many flock to the Minnesota State Fair - there is always a discrepancy between what is affordable and what is not - we try to tackle this debate in our State Fair Question!

Colin Woodall, Chief Executive Officer of the National Cattlemen's Beef Association, joined us on the Guy Benson Show today with guest host Ross Kaminsky to discuss the cattle and beef industry! Woodall explained why the cost of beef is high, and emphasized that modern beef is at its highest quality. Kaminsky and Woodall also discussed the requirements necessary for cattle producers to increase production, the effects of President Trump's policies and announcements on the industry, factors driving beef demand, and more. Listen to the full interview with Woodall and Kaminsky below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#292: What happens to your points and miles when you die? And how can you make sure they don't disappear? Chris breaks down how major banks, airlines, and hotel programs handle rewards after death, strategies to protect or transfer your points, and the steps you can take now to make things easier for your family. Plus, learn what to do if you're already dealing with a loved one's rewards, why documenting your accounts and logins matters, and the surprising rules around gift cards, divorce, and timeshares. Link to Full Show Notes: https://chrishutchins.com/points-and-miles-after-death Partner Deals LMNT: ⁠Free sample pack of my favorite electrolyte drink mix Fabric: ⁠Affordable term life insurance for you and your family Bilt Rewards: ⁠Earn the most valuable points when you pay rent Copilot Money: ⁠Free 2 months access to my favorite personal finance app with code HACKS2 DeleteMe: ⁠20% off removing your personal info from the web For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned Tools & Resources Points & Miles Death and Transfer Rules PDF Silo Markets Trustworthy Notion 1Password Books & People The Points Guy Die With Zero: Getting All You Can from Your Money and Your Life by Bill Perkins ATH Podcast #200: Debunking Tax Myths, Avoiding Audits and Maximizing Savings with Jasmine DiLucci #285: Why Net Fulfillment Beats Net Worth with Bill Perkins Hotel Upgrade Program Best Cards Page Gift Cards Page Newsletter AMA: Submit Questions Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:16) Your Points & Miles Aren't Actually Your Property (02:31) Can You Legally Access a Deceased Person's Accounts? (07:49) What Happens to Bank & Credit Card Points After Death (09:52) Why Amex Is One of the Most Generous Programs (13:51) Transferring Points Before Someone Passes Away (17:23) How Annual Fees Are Handled (17:51) What Happens to Business Cards (18:18) Moving Bank Points to Loyalty Programs (18:51) What Happens to Airline Miles (23:09) Why You Should Push Back With Airlines (24:13) Other Ways to Use or Preserve Airline Miles (25:50) How Hotel Points Are Handled (and Why They're Easier) (31:26) Hotel Certificates & Flight Credits (32:41) What Happens to Rental Car Points (33:55) Don't Hoard Your Points (34:12) Document Every Account and Login (37:17) Set Up Points Pooling and Authorized Users in Advance (37:43) Leave Clear Instructions for Your Heirs (38:03) Why You Need a Financial Power of Attorney (38:36) Don't Let Auto-Pays Shut Down an Account (39:08) Proactively Transfer Points Out (39:45) Where to Move Bank Points in a Hurry (45:30) Choosing Someone to Manage Your Points & Miles (47:00) The Checklist for When a Family Member Passes (48:21) Hang Up, Call Again (49:55) Document Everything You Do (50:30) How Points Are Handled in Divorce (51:30) Why Gift Cards Are Different (51:50) The Risks of Inheriting a Timeshare Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠ Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

So many women's clothing companies are all about fast fashion: trendy products that are made to sell, but not to last. Today, we're talking to the founder of an apparel company that's focused on making quality clothes that feel good to wear, and live in your closet long-term. Ramy Brook Sharp is the Founder, Co-CEO and Creative Director of the women's clothing brand, Ramy Brook. In 2010, Ramy set out to create the perfect timeless top to complement her jeans and jewelry. Unable to find what she wanted, she designed it herself, and within six months, her pieces were picked up by Bergdorf Goodman. Ramy Brook is now available in over 250 boutiques, at major retailers like Saks, Neiman Marcus, Nordstrom, and Bloomingdale's, and the company has a flagship store on Madison Avenue in New York City. Today, Ramy walks us through the incredible origins of the brand, how she's had to adapt the business to meet the demands of major retailers and social media platforms, and what we can expect to see from Ramy Brook in the coming years. Highlights:From Advertising to Fashion (2:25)The $1,000 Top That Started It All (4:00)Getting Into Bergdorf and Learning Fast (6:50)Sexy, Sophisticated, Timeless (11:00)Building a Multi-Generational Brand (12:55)From Tops to Head-to-Toe (14:10)Marketing in a Crowded Space (16:10)E-Commerce and the Omnichannel Mix (18:00)Leading People Through Change (21:10)What's Next for Ramy Brook (25:25)Links:Ramy Brook Sharp LinkedInRamy Brook LinkedInRamy Brook WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co

California's Gavin Newsom comes under fire after signing a law dubbed the “Stop Nick Shirley Act,” President Trump launches what he calls economic D-Day on Iran as the tariff war heats up again with Canada, and Enes Kanter Freedom is kicked out of a WNBA event as the league continues to avoid defining the term Woman. Reporting by Megan Basham, Tim Rice & Lynden Blake. Get the facts first with Morning Wire.- - -Ep. 3056- - -Wake up with new Morning Wire merch: https://bit.ly/4lIubt3- - -Today's Sponsors:Alliance Defending Freedom - Visit https://JoinADF.com/WIRE or text WIRE to 83848 to make TWICE the impact for freedom today. Trust & Will - Trust & Will. Affordable estate plans. Priceless peace of mind. Go to https://TrustAndWill.com/WIRE and get 20% off.- - -Privacy Policy: https://www.dailywire.com/privacymorning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

#291: Behavioral social scientist Arthur Brooks joins Chris to reveal why success and happiness follow different rules as we age. They dig into fluid vs. crystallized intelligence, success addiction and dopamine, the reverse bucket list, and how to actually buy happiness. Arthur C. Brooks is a Harvard Professor, musician, and columnist for the Atlantic, where he writes the weekly "How to Build a Life" column. He is the bestselling author of numerous books on happiness and human flourishing. Link to Full Show Notes: https://chrishutchins.com/arthur-brooks-happiness-success-purpose/ Partner Deals Gelt: ⁠Skip the waitlist on personalized tax guidance to maximize your wealth Trust & Will: ⁠Get 20% off personalized, legally binding estate plans Zocdoc: Find and instantly book a doctor you love today Trust & Will: ⁠Get 20% off personalized, legally binding estate plans Quince: Affordable luxury essentials with free shipping + 365 day returns For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned Arthur: Website | Twitter | Instagram | YouTube Some of Arthur's Books From Strength to Strength: Finding Success, Happiness, and Deep Purpose in the Second Half of Life Love Your Enemies: How Decent People Can Save America from the Culture of Contempt Who Really Cares: The Surprising Truth About Compassionate Conservatism -- America's Charity Divide -- Who Gives, Who Doesn't, and Why It Matters Selected Works from the Atlantic How to Build a Life - Arthur's Column Are you Epicurus or Epictetus Article Books Happy Money: The Science of Happier Spending by Elizabeth Dunn and Dr Michael Norton The Brothers Karamazov by Fyodor Dostoevsky Man's Search for Meaning by Victor Frankl Meditations by Marcus Aurelius The Miracle of Mindfulness by Thich Nhat Hanh The Confessions by Saint Augustine The Bible Barcelona Recommendations Roman Ruins Sagrada Familia Romanesque Churches and Gothic Cathedrals ATH Podcast #36: Bucket Lists, Audacious Goals and Living the Life You Want with Ben Nemtin Hotel Upgrade Program Best Cards Page Gift Cards Page Newsletter AMA: Submit Questions Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (02:17) How Arthur Defines Happiness (03:50) Quizzes to Diagnose Your Happiness (04:38) Fluid vs. Crystallized Intelligence (05:55) The Two Types of Geniuses (09:01) How to Jump the Curve (13:18) Darwin and Bach's Success Curves (16:56) Success Addiction and Dopamine (19:00) Hustle Culture, Workism and Metacognition (21:19) How Often You Really Need to Journal (22:46) When Love and Money Are Idols (24:40) The Good Four: Faith, Family, Friends and Work (29:13) The Happiness Algorithm: Understand, Apply, Share (30:41) Why Sharing and Teaching Happiness Matters (31:45) Bringing Faith and Meditation Into Your Life (34:15) Lectio Divina: Divine Reading (35:23) The Science of Satisfaction (37:49) Social Comparison, the Thief of Joy (38:39) How to Make a Better Bucket List (43:34) How to Actually Buy Happiness (47:09) Technology, Loneliness and Happiness (48:54) Turning Weakness Into Strength (50:51) Why Negative Emotions Make Us More Effective (51:20) Optimism vs. Hope (52:23) When It's Time to Leave a Job (54:18) Arthur's Recommendations for Barcelona (55:26) The Airplane Story That Inspired From Strength to Strength (57:33) Where to Find More From Arthur Connect with Chris ⁠⁠Newsletter⁠⁠ | ⁠Membership⁠⁠ | ⁠X⁠⁠ | ⁠Instagram⁠⁠ | ⁠LinkedIn⁠⁠ Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Gas is back at the center of the energy debate. Surging demand for electricity to power new data centres, and growing fears about global energy security resulting from the conflict in the Middle East, are raising some urgent questions for the US gas industry. Consumers want to know whether the US can produce enough gas for the world without losing the price advantage that has benefited American consumers for many years? Can a new era of gas growth strengthen energy security abroad and support cutting-edge technological innovation at home, while also maintaining affordability for most Americans?Host Ed Crooks and regular contributor Amy Myers Jaffe of NYU are joined by Toby Rice, Chief Executive of EQT, one of the largest natural gas producers in the US. Toby argues that America has the resources both to meet rising domestic demand and to supply much more gas to international markets, without sending prices soaring. He sets out EQT's case for US gas to drive growth, affordability, reliability and geopolitical influence. He also makes the case for the environmental benefits of gas as a replacement for coal in power generation.The Trump administration often talks about “energy dominance”. Toby says. He prefers to describe the goal as “energy abundance”.US gas prices have been low by international standards for most of the past 20 years. The big question is whether that price advantage can persist, in the face of rising LNG exports and growing power demand from AI. Ed raises the prospect that continued growth in demand for gas could eventually push up domestic prices, weakening one of the US economy's biggest competitive advantages.Toby's answer is that the shale resource base is deep enough to respond. He argues that at the right price signal, producers can bring on enough supply to support both the domestic market and a much larger export system. He also makes the case that increased US LNG export capacity can strengthen American energy security by creating more flexibility in times of stress, rather than simply exposing Americans to global volatility. Amy highlights the increased global focus on energy security. If countries are becoming more anxious about imported energy after recent geopolitical shocks, will they still want more LNG, even if it comes from a reliable supplier such as the US? Or will they step up investment in domestic alternatives, including renewables, batteries, nuclear, and even coal?Finally, Toby talks about his work with Energy Corps, the nonprofit organization he founded to bring energy abundance to emerging markets. It aims to deploy technologies including renewables, gas and propane for clean cooking, to increase access to modern energy, and demonstrate ways to improve the quality of life for billions of people around the world.More information about Energy Corps is available at its website: www.energycorps.com This episode of Energy Gang is brought to you by ENGIE, the smarter energy supplier. ENGIE doesn't just provide the power to run your business — they supply the energy to move it forward, with reliable, flexible solutions built for what's next. Learn more at engieresources.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Five years after the COVID-19 pandemic, former CDC Director Dr. Robert Redfield is breaking his silence on his former colleague Dr. Anthony Fauci and the origins of the virus. Redfield joins Morning Wire to discuss why he believed from the beginning that COVID-19 came from a laboratory, the evidence he says points to genetic engineering, Fauci's role in funding research connected to the Wuhan lab, and what he witnessed as scientists and others were censored for questioning the official narrative. Get the facts first with Morning Wire.- - -Ep. 3028- - -Wake up with new Morning Wire merch: https://bit.ly/4lIubt3- - -Today's Sponsors:Quince - Upgrade your everyday. Go to https://Quince.com/WIRE for free shipping on your order and 365-day returns Trust & Will - Trust & Will. Affordable estate plans. Priceless peace of mind. Go to https://TrustAndWill.com/WIRE and get 20% off.- - -Privacy Policy: https://www.dailywire.com/privacymorning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices