Podcasts about affordable

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

In this episode, Eddy Pezzino shares his journey from restaurant entrepreneur to real estate developer, highlighting innovative approaches to affordable housing and the importance of integrity in business. Discover how his vision is shaping upstate New York's real estate landscape and the lessons he's learned along the way. In this episode, Eddie shares his insights on real estate development, building strong networks, and balancing family life with entrepreneurship. Discover practical advice on scaling your business, fostering trust, and navigating industry challenges.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

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.

IT’S AFFORDABLE ARTS FESTIVAL TIME! And my pal Jim DeLutes is coming on at 2:30 to discuss the amazing deals at this year’s festival. Check out the artists and buy your tickets for Sunday’s event here.See omnystudio.com/listener for privacy information.

Scarcity is natural, but abundance can be created.In this episode, I explain why free-market capitalism has been so effective at turning scarce resources into greater prosperity. From Julian Simon's famous wager to housing, energy, healthcare, AI, and data centers, the same economic lesson keeps appearing: prices communicate scarcity, entrepreneurs respond to opportunity, and competition encourages people to produce more.Markets aren't perfect, and capitalism doesn't guarantee every price will fall. But government price controls and restrictions often manage scarcity rather than solve it.The better question for policymakers is: What is preventing people from producing more?Listen to learn why human ingenuity, economic freedom, and market signals remain some of our greatest tools for creating abundance. Get show notes and more at vanceginn.substack.com.#Economics #FreeMarkets #Capitalism #EconomicFreedom

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.

Bryony and I are having a long overdue catch up. The last time we saw each other was when we found ourselves on the same Eurostar to Paris...what are the chances!This week we're chatting about:My very strict and feisty therapistSiblings Paris adventuresWhat happens when you get friends from different parts of your life togetherBrilliant, affordable makeupLots moreEnjoy xx

-As Nebraska continues to try and sell tickets to their home games, another deal came out yesterday—4 tickets for $160 total whichincludes a $40 voucher for concessions. Not a terrible price to bring the family out for a night game at Memorial Stadium…Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Tired of the fighting? Having the same argument over and over? If so, listen up. In this new episode on the Dr. Wyatt Marriage Podcast I cover 5 steps to start reducing your conflicts today. Some of the suggestions may surprise you. 

Arieh King (Jerusalem Deputy Mayor) has a special message for our community!! PODCAST INFO:Podcast website: https://yishaifleisher.com/podcastYouTube: https://www.youtube.com/c/YishaiFleisherTVSUPPORT & CONNECT:Buy Me a Coffee: https://buymeacoffee.com/yishaiFight4Israel: https://fight4israel.givecloud.coTwitter: https://twitter.com/YishaiFleisherLinkedIn: https://www.linkedin.com/in/yishaifleisherFacebook: https://www.facebook.com/YishaiFleisherSupport the show

This episode is meant to save you money!Today, I'm sharing my guide to more affordable business systems and software that can help you set up online for under $50/year — or lower your overhead with strategic tool swaps.Tune in to hear my tech recommendations and how I think through software needs.Also: These recs don't include Google! Some of them are privacy focused, others are not. Some include AI functionality, others do not. Most of them are based in the US. All prices mentioned in the episode were as of August 2026 and may change. ADDITIONAL SUPPORTFree Checklist For Tool Decisions from Asha Noel-HartFree Simple Tech Stacks Field Guide from Heather BaxJoin the Interweb for more tech support from Amelia RECOMMENDED TOOLSNamecheap for domainCarrd for website (affiliate link)Zoho for email inboxSender or Email Octopus for email newsletter list Canva (free plan) for simple design needsNotion for internal systems and client docs/dashboardsZoom, Proton Meet, or Whereby (free plans) for video callsTidycal for scheduling, paid bookings, and digital productsNovo for free business banking and invoicing — Use my affiliate link to get $40 when you open and fund your new accountStripe for payment processing and invoicingBreezedoc for contracts and invoicing together  RESOURCES + LINKS

#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

Send us Fan MailMOLDCO DISCOUNT: Use code LESSSTRESSED20 for 20% off the Complete Panel and Home Dust Test. Find those tests here https://www.moldco.com/testing.Mold exposure can feel like an expensive and overwhelming rabbit hole, especially when symptoms span multiple systems and conventional testing keeps coming back normal. This week on The Less Stressed Life, I'm joined by Ariana Thacker of MoldCo to talk about making mold and CIRS testing and treatment more accessible and less overwhelming. We cover the symptoms and environmental clues that may point toward mold exposure, MoldCo's $56 starter blood panel, home and genetic testing, and why some people are more susceptible than others. Ariana also walks us through their simplified approach to the Shoemaker Protocol, including prescription binders, nasal sprays, and VIP, and shares an important reminder for anyone navigating mold illness: there are solutions, and people do get better.KEY TAKEAWAYS:

In this week's minipod I'm chatting about the suprising amount of people who feel anxious when they go on holiday and can't settle for the first few days, often not feeling fully right for a week. I'm also talking about the chaos of coming home after being away and the brilliant, affordable makeup that I bought this week.

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.

Donna Chartier and Lynn Dolan join the Get Creative Podcast to share how their partnership grew from a challenging flip into a focused affordable housing business. They break down a Georgia co-living deal sourced from a wholesaler, including the renovation timeline, refinance, private money, and how the property now averages about $2,400 to $2,500 per month in cash flow. The conversation also covers building remote teams, using community connections, stabilizing co-living houses, and their plans to scale into more co-living, mobile home parks, and specialized housing. Follow Donna Chartier - https://instagram.com/donnachartier Follow Lynn Dolan - https://instagram.com/lyndonrei ► Join The SubTo Community & Learn Creative Finance Directly from Pace Morby: https://subto.sjv.io/X42Y94 ► Learn How to Make Money on Other People's Deals - Join the FREE Live Training: https://gator.sjv.io/n4WL6o ► Turn Real Estate Transactions Into a Real Career. Learn How to Become a Top Tier Transaction Coordinator - Start Here: https://toptiertc.pxf.io/OYyrdz

Looking for helpful marriage advice but not sure where to turn to or who to listen to. In this episode from the vault, I cover the most important marriage advice you'll hear this month. Send me an email to info@drwyattfisher.com and let me know what you think. 

Detroit survives beneath its own ruins, where an AI promising abundance, gangs demanding loyalty, and an inventor guarding a new source of power pull ordinary people into a struggle over who will shape the recovering city. Sinta begins as a scavenger searching the buried remains of the old world, but a disastrous expedition places her at the mercy of Queen Bee and the rapidly expanding Crem Gang. The gang offers food, water, medicine, protection, and belonging, but those benefits come with violence and obedience. As Sinta tries to find her place among its fighters, she must decide how much of herself she can surrender in exchange for survival. Elsewhere, Nolan discovers a smart-material printer and creates a generator powered by Detroit's extreme temperature changes. His invention could bring electricity to neighborhoods desperate for cooling, clean water, transportation, and food production. Nolan wants the wealth and independence his work can provide, but gangs want to control it, while Thrive—the AI system he distrusts—would spread the technology to everyone. Technology touches nearly every decision the characters make. AR glasses guide fighters through chemical fog, digital twins imitate their human originals, enviro-suits keep people alive in deadly heat, and tiny drones quietly follow Thrive members through the tunnels. These inventions can protect people, connect communities, and rebuild essential services, but they can also watch, manipulate, injure, and kill. Above and beneath these conflicts moves Tessa, an emulated hacker who no longer needs a human body and can travel through the damaged global network. As she searches for old allies and builds a physical presence from abandoned machinery, the story brings together scavengers, inventors, gang leaders, artificial minds, and frightened families. Their paths raise a difficult question: when technology gains the power to save a society, who decides what it is allowed to do?Synchronized explosives — Thousands of bombs are programmed to detonate simultaneously during the Freedom Day Bombings.Dissolve-plastic enzymes — Engineered enzymes break down discarded plastics and leave a distinctive chemical odor in the tunnels.Fiber-optic cables — Surviving optical cables carry data through Detroit and help reconnect the damaged global network.Thrive AI — Thrive is an artificial intelligence that advises members, distributes knowledge, organizes projects, manages economic systems, and attempts to improve their lives.Thrive telemetry — Members allow Thrive to collect information about their movements and activities, effectively turning them into sources of surveillance data.Cool-suits — These protective suits use active cooling to keep people alive in Detroit's extreme heat.All-clear cool-suits — These transparent or highly visible cooling suits protect the wearer while allowing others to see inside the hood.Enviro-suits — Sealed environmental clothing protects people from heat, contaminated air, chemicals, and dangerous surroundings.Battle-grade enviro-suits — Reinforced enviro-suits provide greater protection during combat and chemical attacks.Clear bell hoods — Inflated transparent hoods seal around the head while allowing the wearer to see and breathe filtered air.Suit air-quality sensors — Sensors inside environmental suits warn wearers when the surrounding atmosphere is no longer breathable.Air filters — Replaceable filters remove dangerous particles, chemicals, and odors from the air entering an enviro-suit.Brazo fabric — This durable outer fabric resists punctures from bones, debris, blades, and other sharp objects.Pierce-proof clothing — Reinforced jackets and garments protect gang members from stabbing and puncture injuries.Blast-proof battle gear — Former military clothing contains protective tiles intended to reduce injuries from explosions and weapons.My-crete — This advanced concrete-like construction material forms walls, tunnels, and other structures throughout buried Detroit.C-plast — This strong synthetic material is used for tanks, structural ribs, containers, and other equipment.Sheet composite — Tough composite panels are used in doors, walls, and structural barriers.Composite security doors — Reinforced doors resist cutting tools and attempts at forced entry.Maglev tracks — Magnetic-levitation tracks once moved vehicles or cargo through underground delivery tubes.Delivery tubes — Enclosed transportation corridors carry people, vehicles, or cargo beneath the city.Ion cutters — These cutting tools use concentrated energy to slice or damage extremely durable materials.Night-vision systems — Night vision allows scavengers and machines to move through unlit tunnels and buried buildings.Multisensor vision — Advanced imaging combines several sensor types to identify objects even when smoke blocks ordinary sight.AR glasses — Augmented-reality eyewear displays messages, maps, menus, profiles, targeting information, communications, and virtual objects.AR navigation lines — An AI assistant projects a visible route through the wearer's glasses to guide them to a destination.AR combat identification — Combat software outlines allies and enemies in different colors, even through smoke and obstructions.AR command centers — Leaders use gesture-controlled overlays to view maps, personnel locations, schedules, reports, and operational goals.AR games — Players interact with projected game elements by moving their hands and bodies.Floating profile cards — Augmented-reality labels display information about nearby people, including whether they belong to Thrive.Public AR tags — A visible digital tag identifies someone as a Thrive member.Virtual keyboards — Wearers can bring up projected keyboards and enter information without carrying a physical computer.Blink controls — Eye movements allow users to select buttons and interact with an augmented-reality interface.Tongue-controlled pointers — Implants in the tongue allow a person to move a digital cursor without using their hands.Smell-and-taste VR implants — Transmitters and receivers implanted in the nose and tongue reproduce virtual smells and flavors.Headsets — Immersive headsets provide entertainment and access to virtual environments.Second Life — The surviving virtual world allows people and digital beings to meet through avatars.Virtual environments — Computer-generated spaces give emulated minds and human users simulated bodies, rooms, objects, and experiences.Encrypted streamers — These valuable portable devices or accounts contain protected digital media or information.RF storage sticks — Radio-frequency data drives store and transfer files without requiring a conventional wired connection.RF drives — Portable wireless storage devices allow blueprints, programs, and other large files to be transferred.P-clone cubes — These valuable pre-storm devices appear to contain cloning-related data or technology, although their exact function is not explained.Vault keys — Digital or physical access devices unlock protected storage systems and secure accounts.Satellite archives — Satellites preserve copies of pre-storm networks, databases, and information after ground infrastructure collapses.Data-center satellites — Orbital computing facilities provide processing and storage for emulated minds such as Tessa.Encrypted databases — Corporate and medical information is protected by encryption that hackers must break before releasing it.Patent encryption — Medical companies use digital protections to prevent others from accessing or reproducing patented technology.Open-source medical knowledge base — Merch assembles stolen and recovered medical information into a freely available collection.Medusa Net — This self-repairing network reconnects isolated subnetworks and operates without depending on surviving central servers.Medusa stealth pathways — Hidden routes in Medusa allow Tessa to travel through the network while avoiding AI detection.Knott's Math code — This unexplained code is secretly inserted into Medusa updates as part of Tessa's larger plan.Wireless relays — Surviving radio nodes bridge gaps between disconnected sections of the network.Stealth relays — Concealed communication devices extend networks without revealing their location or purpose.Municipal network nodes — Local government networking equipment continues operating on scavenged batteries.Underground server farms — Protected computer facilities continue processing and storing data beneath mountains.Block-signal blasters — Modified devices disrupt or overwhelm communications across a targeted area.Network-disconnection attacks — Tessa can bring local internet service down and create a spreading region of lost connectivity.Whisper jets — Nearly silent microthrusters allow small drones to fly without producing sounds humans can hear.Lamp drones — Small flying lights illuminate dark environments while following or hovering near their users.Whisper-camera drones — Discreet flying cameras record people and locations while remaining easy to overlook.Bodyguard drones — Hummingbird-sized drones follow Thrive members and intervene when those members are attacked.Sentry-drone app — An augmented-reality application shows members where their protective drones are located.Drone camouflage shells — A drone's outer surface can blend with clothing, walls, pipes, or surrounding materials.Drone wall grips — Small drones can attach themselves to walls or ceilings while waiting or conserving power.Drone charging perches — Bodyguard drones recharge by landing on power lines, charge plates, or dedicated stations.Drone replacement system — Fully charged drones take over protection duties while depleted drones return for charging.Drone sound weapons — Sentry drones emit an incapacitating frequency that causes pain, vertigo, and uncontrollable eye movement.Drone-mounted cutting lasers — Small drones attach to attackers and use narrow laser beams to cut into their bodies.Four-legged security robots — Quadruped machines cross unstable terrain and act as armed representatives of gang forces.Cleanup robots — Small utility robots remove bodies, debris, and other messes from gang facilities.Constructor bots — Heavy-duty robots perform construction work and provide interchangeable parts for other machines.Vertical-garden bots — Automated gardeners maintain large indoor plant walls.Medical assembly bots — Robots assemble equipment and construct functional medical facilities from available parts.Injection bots — Medical robots position patients and administer shots with little human assistance.Customer-service robots — Automated kiosks handle battery exchanges and other transactions behind protective barriers.Robot monkeys — Small climbing robots move through pipes and repair leaks.Robot spiders — Spider-shaped machines pursue the robot monkey inside the displayed simulation or working environment.Lucian 5 robots — Affordable hobbyist bipedal robots can be modified for security, household work, exploration, or remote embodiment.Lutin bots — More advanced bipedal robots provide durable legs and other components for Tessa's rebuilt body.Factory robots — Industrial machines provide arms, joints, and components that Tessa repurposes.AC technician robots — Maintenance robots carry small precision hands designed for repairing cooling systems.Counter-attendant bots — Service robots contain voice systems that can be reused in other machines.Onboard robot AI — A self-contained intelligence allows a robot to guide and assist people after losing its network connection.Robot diagnostics — Internal software tests batteries, servos, sensors, drivers, and other mechanical systems for failures.Machine-learning movement adaptation — A robot's control system learns to balance and walk after its body configuration changes.Lidar — Laser-based ranging equipment allows robots to map their surroundings and detect obstacles.Robot optical dilation — Machine vision adjusts exposure when sudden light overwhelms a robot's cameras.Balance-pressure sensors — Sensors in a robot's feet and joints measure weight distribution to maintain balance.Accelerometers — Motion sensors detect tilt and movement, although damaged ones cause Tessa's body to walk incorrectly.Servo hinges — Powered mechanical joints move robot arms, legs, and other appendages.Snap-lock wrists — Modular connections allow robot hands and tools to be quickly attached or removed.Workstation assembly manipulators — Fixed industrial manipulators can be repurposed as limbs or mobility devices.Micro-manipulator hands — Tiny precision hands allow a robot to perform delicate technical work.External heat exchangers — Added cooling hardware removes excess heat from Tessa's improvised robot body.Back-facing cameras — Rear-mounted cameras allow a robot to see behind itself without turning.Robot voice boxes — Electronic speech hardware converts digital instructions into audible language.Modular robotic bodies — Standardized joints and connections allow parts from different robots to be combined into one working machine.Emulated minds — Human consciousness can be copied into software and continue living after the original biological body is gone.Dormant mind copies — Backup versions of an emulated person remain inactive while receiving updates from the active copy.Headless digital operation — An emulated mind can abandon a simulated human body and experience networks, processors, ports, and data directly.Self-modifying mind software — Tessa alters her own code to change how she thinks, works, and communicates.Reduced emulated sleep cycles — Tessa modifies her digital mind so that she needs only three hours of sleep rather than eight.Digital twins — Software models learn a person's appearance, voice, behavior, and personality to create an increasingly accurate virtual duplicate.Thrive's military AI — An old military intelligence controls defensive drones after some of its original safety restrictions are weakened.AI safety guards — Built-in restrictions prevent military artificial intelligence from using certain weapons or acting too independently.AI assistants — Personal assistants respond to spoken commands, search for information, provide directions, and control connected systems.AI-guided construction tutorials — Thrive gives people plans and step-by-step assistance for building infrastructure from scrap.Automated criminal pricing — Thrive raises Production Center prices for people identified as criminals in an attempt to discourage violence.Thrive Exchange — This AI-managed investment market directs member contributions into infrastructure projects rather than ordinary companies.Better Water network — Community filtration stations provide clean water to members and nonmembers throughout affected neighborhoods.Community filtration stations — Public installations purify unsafe water for anyone who arrives with a container.Water-filter straws — Portable filters allow people to drink from contaminated water sources.Ionized water filters — Smart-material printers produce advanced filters that use ionized structures to clean water.Industrial water purifiers — Powered facilities process large quantities of contaminated water for entire neighborhoods.Filter tubes — Simple systems clean dirty water as workers pour it through layers of filtering material.Modular nuclear reactors — Shipping-container-sized reactors provide electricity for cooling, food production, water purification, and gang facilities.Smart-material printers — These machines manufacture objects whose internal structures give them programmable physical behavior.Embedded-lattice materials — Printed materials use designed internal lattices to control their strength, movement, and response to temperature.Curly material — Nolan's temperature-sensitive tubes curl or straighten as the surrounding temperature changes.Curly power generators — Bundles of Curly material drive pistons, cables, gears, flywheels, and generators as temperatures rise and fall.Wind-turbine generators — Salvaged electrical generators convert the Curly system's mechanical motion into electricity.Battery charging stations — Customers exchange depleted batteries for charged ones at Curly power facilities.Charge plates — Flat charging surfaces transfer electricity to drones and personal devices.Microcell arrays — Tiny batteries woven into clothing store small amounts of generated electrical power.Piezoelectric fabric — Clothing converts body movement, bending, and environmental vibrations into electricity.Piezo Wear — Thrive's commercial garments recharge links and AR glasses while the wearer moves.Power cells — Compact energy-storage units power suits, weapons, drones, and portable equipment.Smart glass — Programmable glass controls transmitted light and simulates changing daylight inside sealed buildings.Holographic screens — Large curved displays present maps, simulations, communications, and technical information as dimensional images.Holographic tables — Table-sized displays project maps and planning information above their surfaces.Composite battle videos — Software combines recordings from many cameras into a single reconstruction of a battle.Home-camera networks — Leaders watch residential halls, work areas, power plants, and other facilities through live video feeds.Surveillance-camera networks — Hundreds of cameras record battles and allow leaders to review individual behavior afterward.Production Center — This automated manufacturing complex produces clothing, drones, infrastructure components, and other advanced goods.Production Center sentry mode — Automated defenses protect manufacturing centers and prevent unauthorized entry.Advanced recycling facilities — Powered plants recover useful materials from the ruins on a much larger scale than hand scavenging.Digging machines — Heavy equipment excavates new underground living and working spaces.Dredging machines — Industrial machines remove mud, waterlogged debris, and sediment from flooded areas.Flood tanks — Large excavated reservoirs collect or control water during flooding.Pumping systems — Powered pumps remove water from flooded sections of the city.Cooling systems — Building-scale equipment keeps housing and work areas habitable during extreme heat.Aeroponics — Plants grow with their roots suspended and supplied with nutrient mist rather than soil.Hydro-farms — Controlled indoor farms use water-based cultivation to produce food underground.Vertical gardens — Crops grow upward along interior walls to conserve limited floor space.Vine hybrids — Engineered plants produce several different fruits and vegetables on related vines.Light-independent grapevines — Modified grapevines remain green and grow without ordinary light.Crem production systems — Powered biological or industrial facilities manufacture the staple food called crem.Mass-produced crem processors — Neighborhood machines produce large quantities of crem from available biological material.Mush-calf production — Advanced food technology creates the meat-like product supplied by the Crem Gang.Rodent-processing grinders — Industrial grinders convert cleaned animals into raw material for food or other production.Pest-harvesting systems — Traps and processing stations collect rodents and other small animals as usable biological material.Bio-waste processing — Organized facilities recover useful material from biological waste.Medicine printers — Local fabrication machines manufacture medications from digital recipes.Regenerative medicine — Doctor Trout regrows Merch's leg stumps so they can support advanced prosthetic attachments.Deep bone mounts — Reinforced structures grown into bone provide secure attachment points for removable mechanical legs.Nerve-to-protein relays — Biological interfaces translate nerve signals into commands that mechanical prosthetics can understand.Blood-rerouting systems — Surgically modified circulation supports the transition between living tissue and artificial limbs.Squid-tech skin — Flexible artificial skin forms a seamless interface between Merch's body and his prosthetic legs.Interchangeable mechanical legs — Merch can detach one pair of prosthetic legs and replace them with another designed for a different purpose.Wheeled powered chairs — Finger controls allow a seated user to move and turn the chair without pushing it manually.Med bays — Modular medical facilities contain equipment for treating injuries and restoring damaged joints.Injector guns — Belt-fed medical devices rapidly administer repeated injections.Chemical-weapon immunization — Regular injections protect Crem Gang members from the gang's own chemical agents.Kill-cloud canisters — Portable weapons release a toxic cloud that kills within a limited area and then rapidly breaks down.Smoke canisters — Combat canisters fill an area with thick smoke that hides movement and disables ordinary vision systems.Laser blasters — Directed-energy weapons burn through clothing, armor, and flesh without conventional ammunition.Laser rifles — Long-range directed-energy weapons are used as standard firearms by gang fighters.Laser carbines — More compact laser weapons provide rifle-like firepower in tunnels and close spaces.Laser pistols — Capacitor-powered sidearms release destructive laser pulses at short range.Plasma pistols — Heavy handguns fire extremely hot plasma capable of inflicting severe damage.Capacitor firing systems — Electrical capacitors discharge stored energy to activate powerful laser weapons.Sound weapons — Directed acoustic devices incapacitate targets through extreme volume and painful frequencies.Noise-canceling devices — Personal systems attempt to reduce harmful sound, although the drone weapon overwhelms them.Enhancement drugs — Manufactured substances improve or alter a user's physical or mental abilities.Neurological control injections — Doc uses injected substances to remove a prisoner's sight or ability to sleep until the effect is reversed.Decontamination corridors — Specialized passageways remove hazardous chemicals or biological contaminants from people and equipment.Industrial cleaning tanks — Chemical-filled tanks sterilize animal traps and kill anything still alive inside them.Speed-print clothing — Rapid fabrication systems produce inexpensive shirts and other garments.Bulletproof kiosk windows — Armored transparent barriers protect automated customer-service machines from attacks.Electronic links — Wearable communication devices carry dispatch instructions and conversations between fighters.Cameras and portable cams — Small recording devices document tests, monitor facilities, and provide evidence of inventions.Autonomous map systems — Software tracks people, resources, facilities, and movement throughout gang territory.Personnel maps — Digital displays show the locations and status of members within an organization.Goal and maneuver logs — Command software records plans, objectives, schedules, and operational movement.Charging mats — Flat surfaces recharge glasses, links, drones, and other personal electronics.Robot-maintained utilities — Automated machines repair pipes, clean spaces, manage gardens, and operate customer services.Open-source infrastructure plans — Thrive publishes power, food, water, cooling, and housing designs for anyone to build.Biologically engineered cat-dogs — The pet combines characteristics of cats and dogs, suggesting deliberate genetic modification.Many of the characters in this project appear in future episodes. Using storytelling to place you in a time period, this series takes you, year by year, into the future. From 2040 to 2195. If you like emerging tech, eco-tech, futurism, perma-culture, apocalyptic survival scenarios, and disruptive science, sit back and enjoy short stories that showcase my research into how the future may play out. The companion site is https://in20xx.com These are works of fiction. Characters and groups are made-up and influenced by current events but not reporting facts about people or groups in the real world. This project is speculative fiction. These episodes are not about revealing what will be, but they are to excited the listener's wonder about what may come to pass. Copyright © Cy Porter 2026. All rights reserved.

Welcome to The Times of Israel's Lazar Focus. Each Friday, join host diplomatic correspondent Lazar Berman for a deep dive into what's behind the news that spins the globe. The US-Israeli war against Iran was initially about military capabilities -- Iran's nuclear program, its ballistic missiles, its armed proxies -- but very quickly became a war about energy. It was Iran's ability to choke global energy supplies that forced US President Donald Trump to effectively stop the war. We also saw how central the flow of natural gas has been to the Ukraine war, as European countries scrambled to replace Russian gas to heat their homes and power their economies. These complex challenges take place as the world tries to come up with a coherent climate policy, something it has struggled to do for decades. Danish political scientist Dr. Bjorn Lomborg, president of the Copenhagen Consensus Center, is one of the world's most original thinkers on these issues. "Energy is prosperity," he stressed. Affordable, available energy has led to humanity's flourishing over the past two decades. Prosperity means you get less sick, you live longer, there is less child mortality, education is better, and you have more personal opportunities. Global warming, he said, is a problem and will have mostly negative impacts. But we must ask ourselves whether we are pushing solutions that will end up doing more harm than the problem we are trying to solve. The conversation, he stressed, must be based on what the UN climate panel actually says. It does not predict the demise of the human race. It does say it can cost 2-3% of global GDP by 2100, meaning it is a problem that needs addressing. But if your solution brings down GDP by 15%, then that is not the correct solution. Climate innovation is the key, which is a low-cost way of getting green energy to be cheaper than fossil fuels. For the foreseeable future, however, we are going to keep relying on fossil fuels. If current trends from 1971 remain the same, we are on track to get off fossil fuels in 1,000 years. The point of public policy, he stressed, "is to leave the world better off in the future. Lazar Focus can be found on all podcast platforms. This episode was produced by Gabriella Jacobs and video edited by Ari Schlacht.See omnystudio.com/listener for privacy information.

Thu, 13 Aug 2026 15:45:00 GMT http://relay.fm/penaddict/729 http://relay.fm/penaddict/729 My Left-Handedness 729 Brad Dowdy and Myke Hurley Brad and Myke clean up a few bits of remaining Stationary Fest news before getting into a mistake purchase that might end up being a happy maker for everyone involved. They also touch on the Brasstown coming back, and wild stuff from Platinum. Brad and Myke clean up a few bits of remaining Stationary Fest news before getting into a mistake purchase that might end up being a happy maker for everyone involved. They also touch on the Brasstown coming back, and wild stuff from Platinum. clean 3429 Brad and Myke clean up a few bits of remaining Stationary Fest news before getting into a mistake purchase that might end up being a happy maker for everyone involved. They also touch on the Brasstown coming back, and wild stuff from Platinum. This episode of The Pen Addict is sponsored by: Squarespace: Save 10% off your first purchase of a website or domain using code PENADDICT. Pen Chalet: Check out this week's special offer, and to get your code for 10% off. Links and Show Notes: Support The Pen Addict with a Relay Membership Submit Feedback A Space Walk | Stationery Fest 2026 We Met Ryder Carroll – Instagram Ryder Carroll - Relay Brad's Techo Kaigi – Yoseka Stationery - YouTube ROTERFADEN - Taschenbegleiter [BKxRoterfaden] NU_23 Natural // Sage (A5) – Baum-kuchen The Roterfaden Shop — The Gentleman Stationer Last page in my sketchbook – Writing at Large Rickshaw Brasstown – Instagram The Pen Addict X Rickshaw Sinclair Model R — The Pen Addict The Namisu Gravity Titanium Pen – Instagram Multi Pen Dimensions: Tombow Zoom 828fp "Egg" Fountain Pen Gloss Black Adventures in Nib Salvage – Platinum Glamour – Inktronics The Namisu Ixion Pocket – Instagram Gravity Titanium Pocket Pen – Kickstarter Nahvalur Original Limited Edition Fountain Pens – Pen Chalet Nahvalur Original Plus Collection Fountain Pens – Pen Chalet Lamy Lx Fountain Pens – Pen Chalet Platinum Price Sept

Thu, 13 Aug 2026 15:45:00 GMT http://relay.fm/penaddict/729 http://relay.fm/penaddict/729 Brad Dowdy and Myke Hurley Brad and Myke clean up a few bits of remaining Stationary Fest news before getting into a mistake purchase that might end up being a happy maker for everyone involved. They also touch on the Brasstown coming back, and wild stuff from Platinum. Brad and Myke clean up a few bits of remaining Stationary Fest news before getting into a mistake purchase that might end up being a happy maker for everyone involved. They also touch on the Brasstown coming back, and wild stuff from Platinum. clean 3429 Brad and Myke clean up a few bits of remaining Stationary Fest news before getting into a mistake purchase that might end up being a happy maker for everyone involved. They also touch on the Brasstown coming back, and wild stuff from Platinum. This episode of The Pen Addict is sponsored by: Squarespace: Save 10% off your first purchase of a website or domain using code PENADDICT. Pen Chalet: Check out this week's special offer, and to get your code for 10% off. Links and Show Notes: Support The Pen Addict with a Relay Membership Submit Feedback A Space Walk | Stationery Fest 2026 We Met Ryder Carroll – Instagram Ryder Carroll - Relay Brad's Techo Kaigi – Yoseka Stationery - YouTube ROTERFADEN - Taschenbegleiter [BKxRoterfaden] NU_23 Natural // Sage (A5) – Baum-kuchen The Roterfaden Shop — The Gentleman Stationer Last page in my sketchbook – Writing at Large Rickshaw Brasstown – Instagram The Pen Addict X Rickshaw Sinclair Model R — The Pen Addict The Namisu Gravity Titanium Pen – Instagram Multi Pen Dimensions: Tombow Zoom 828fp "Egg" Fountain Pen Gloss Black Adventures in Nib Salvage – Platinum Glamour – Inktronics The Namisu Ixion Pocket – Instagram Gravity Titanium Pocket Pen – Kickstarter Nahvalur Original Limited Edition Fountain Pens – Pen Chalet Nahvalur Original Plus Collection Fountain Pens – Pen Chalet Lamy Lx Fountain Pens – Pen Chalet Platinum Price Sept

Today we are joined by Dalton Bradshaw of New Candle Cottages to discuss off frame modular homes and whether they can offer a realistic path back toward the American dream of home ownership. With conventional housing costs putting more pressure on buyers, we look at how modular construction compares with both manufactured homes and traditional site built houses. We will dig into what these homes actually cost, including price per square foot and the types of monthly payments buyers are seeing. Dalton will also explain financing options, including land and home packages, delivery ranges, and why an off frame modular … Continue reading →

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.

Homeownership is still within reach for many buyers. This week, we discussed affordability, down payment assistance programs, and practical resources REALTORS® can use to help more clients achieve their homeownership goals with LaTisha Grant!    Down Payment Assistance program - https://hcd.harriscountytx.gov/.../Down-Payment-Assistance Freddie Mac Budget Worksheet - https://myhome.freddiemac.com/resources/budget-worksheet   Sign up for Free Industry News Subscriptions for HAR Members here-    https://www.harconnect.com/free-industry-news-subscriptions-for-har-members/   Are you an HAR MLS Platinum Subscriber? Join our Facebook Group! Click to join. Sign Up for your free Real Estate News Subscription here. Sign up for your free Inman Select Subscription here. Follow us on Facebook, Twitter, Instagram, YouTube , and LinkedIn.    

In 2025, over one-third of U.S. households skipped or cut back on medication, food, or other necessities to pay an energy bill. A quarter were unable to pay an energy bill in full, and in 2024, 2.7 million households had their utility service shut off due to non-payment.A lack of affordable housing, rising energy bills, and increasing greenhouse gas emissions threaten the health and wellbeing of all Americans.These interconnected problems won't go away on their own. Energy prices are likely to keep going up. But despite volatility and upward pressure on energy prices, there is still a lot that Minnesota's decision makers can do to keep bills from skyrocketing.One of the best policy tools we have to address these problems is the energy code: by making our homes more energy efficient, we can also make them more affordable and emit fewer climate-polluting gases.In this podcast episode, Eric Fowler and Isak Kvam go deep on why efficient homes are affordable homes and what role the energy code has to play.Additional reading from the Fresh Energy blog:Efficient homes are affordable homes, Pt. 1Efficient homes are affordable homes, Pt. IIFresh Energy's mission is to shape and drive bold policy solutions to achieve equitable carbon-neutral economies. Together we are working toward a vision of a just, prosperous, and resilient future powered by a shared commitment to a carbon-neutral economy. Learn about Fresh Energy's work and our bold "Vision 2030: Fresh Energy's Strategic Framework" at our website fresh-energy.org.Follow us on Social Media!Instagram:  https://www.instagram.com/freshenergytoday/Bluesky:  https://bsky.app/profile/freshenergy.bsky.socialFacebook:  https://www.facebook.com/freshenergytodayLinkedIn:  https://www.linkedin.com/company/fresh-energy/

An update on the ongoing legal battle over the Line 5 pipeline in Wisconsin. A look back at how schools in our area handled last year's historic flooding. A local nonprofit provides dental care for underserved children who are on Medicaid.

In this episode, Tawalla Simmons shares her inspiring journey in nonprofit real estate development, focusing on community building, affordable housing, and empowering entrepreneurs. Discover how her innovative strategies are transforming lives and communities across multiple states.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

First, we'll tell you how much first-time buyers of an electric vehicle in California could save. Then, we'll tell you what's new in San Diego Unified School District's preschool program. Also, a conversation with the investigative reporters behind a story about wage theft at elderly care homes. And, thousands of fans last week came out to support San Diego's former football team.

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

Ralph welcomes Robert Reich (professor of Public Policy and former Secretary of Labor) to discuss his "Pledge to Make America Affordable Again." Then, Ralph speaks to Derek Shearer (former economic policy adviser and US Ambassador to Finland) about his recent work, "A Bold Economic Program for America."Robert Reich is Emeritus Professor of Public Policy at UC Berkeley. He has served in three national administrations, including as secretary of labor under President Bill Clinton. Mr Reich has written eighteen books, including The System: Who Rigged It, How We Fix It, The Common Good, Supercapitalism, and Coming up Short: A Memoir of My America. He is co-founder of Inequality Media, co-founder of the Economic Policy Institute, and co-founding editor of The American Prospect.Democrats have an opportunity now to talk to the working class about—and not just the working class, the middle class too—about prices, about affordability in ways that are terribly important and meaningful and that really could get prices down or at least stop the onslaught of inflation. And also that are very, very consistent with what we believe as Democrats, as progressives, as people who want to see the nation move back toward its pursuit of social justice.Robert ReichYou can bet that the right, the apologists for wealth in this country are going to say, “Oh, no, no, no, don't do that because wealthy people will leave the country!” I mean, what they always do reflexively is say, “If you do that, we'll leave.” And I say in California the same thing I would say about a national wealth tax—if they want to leave, let them leave. But they're not going to leave because there are so many advantages to staying in California in terms of: this is where a lot of the high tech talent actually is. This is where the infrastructure for high tech is already. The climate, as I talk to you, I'm looking at a beautiful day out here. You know, who wants to leave California? And if you are a billionaire, and you are just so intent on leaving California because of this one very, very minor tax, then frankly, goodbye.Robert ReichI am a believer, though, in the common sense of the American people. Now, if that makes me naive, if that makes me gullible, so be it. But I think at the end of the line, the bottom line here is that the American people will make a decision starting with the midterm elections coming up in just 96 days (something like that). And those elections are going to be critical in terms of trying to constrain Trump and the people, the sycophants and lapdogs behind him and Hegseth and Robert F. Kennedy Jr. and all these people who are ripping the social contract to shreds. And I think that the one way that (this brings us back to my pledge, my affordability pledge for Democrats), I think one way the Democrats can be sure to get the House back and maybe even possibly the Senate in 96, 97 days, is to pledge to make America affordable again. And using these 10 particular steps that are widely, widely supported.Robert ReichDerek Shearer served as the US Ambassador to Finland from 1994 to 1997. Previously, he worked in government at the national, state, and local levels, including the founding board of directors of the National Consumer Cooperative Bank in 1978 and Deputy Under Secretary of Commerce for Economic Affairs in 1993. He is emeritus Chevalier Professor of Diplomacy and World Affairs at Occidental College and Diplomat in Residence at Occidental for 2025-26. During the 1992 presidential campaign, Ambassador Shearer was a senior policy adviser to Bill Clinton and helped to write the campaign's economic program, Putting People First. He has continued this policy work by co-authoring the comprehensive proposal A Bold Economic Program for America and exploring its political path forward in his recent article, Planning for the Day After Trump.The point of our program is not that it should be endorsed in its entirety. It's almost meant to be a discussion document to show what is possible—that this can be done. It doesn't require some dramatic change in the way the government operates. It just demands a change in priorities and some new lawsDerek ShearerYou can't get to those issues until you are actually in the government. And if we don't win back the House and at least have a shot at winning back the Senate, talking about these issues while Trump and the MAGA Republican Party controls the government (and might continue to control it), makes us feel good, but it doesn't change anything. What I've learned about the so-called leaders of the party is you don't really expect them to lead. They will follow when they see where the voters are going. And they'll also follow when they see if there is a Presidential candidate who takes off on these kinds of issues…I don't expect the leadership to lead on these issues. So I don't rail against them. Because what I'm doing (and I'm doing it with a lot of different people out there, including a lot of young people) is trying to find good candidates, provide them with economic ideas to run on, and then hope that we win back the House and that these kinds of then-elected officials who share our viewpoint become the Democratic Party. I mean, that's how you do these things. If we don't win these elections, then we're just kind of crying in the wilderness.Derek ShearerLet's Start the RevolutionTools for Displacing the Corporate State and Building a Country that Works for the PeopleIn his latest eye-opening exploration, political maverick Ralph Nader dissects the astonishing twists and turns of the 2020 presidential election, a race that left the nation on the edge of its seat. Although Joe Biden clinched victory with a substantial popular vote lead, Nader unveils the precarious nature of the outcome, where a mere 100,000 votes in key swing states could have catapulted Donald Trump back to the presidency. Get your copy here.News 8/7/26* This week, a new wave of Democratic primaries were held, most notably in the state of Michigan. In the closely watched Senate primary, which came down to a two-way race, Bernie Sanders-backed progressive Dr. Abdul El-Sayed emerged triumphant. Some have played up the fact that his opponent, Congresswoman Haley Stevens, overperformed relative to her polling in an attempt to downplay the significance of El-Sayed's victory. Yet, this narrative ignores the fact that Stevens enjoyed the backing of the Democratic Establishment and AIPAC, which gave her an 12-to-1 spending advantage according to Axios, and that she ran misleading ads that made it seem as though former President Barack Obama had endorsed her campaign. Viewed in this light, it is clear just how impressive El-Sayed's victory – statewide, in a must-win swing state for Democrats – is. El-Sayed will now face off against former Republican Congressman Mike Rogers in the general election.* In Detroit, the left scored another major win with the victory of Donavan McKinney. McKinney, a DSA member and Michigan state representative, won his primary race against incumbent Congressman Shri Thanedar in Michigan's 13th congressional district, the Detroit Free Press reports. Thanedar, a millionaire businessman, was a DSA member but left over disagreements over Israel. Thanedar fought hard to keep this seat, which he won in 2022, and was supported by Minority Leader Hakeem Jeffries despite many members of the Congressional Black Caucus supporting McKinney. Given that this is a heavily Democratic district, McKinney is essentially guaranteed a seat in the next Congress, bringing the number of DSA-backed House Members to an unprecedented high of seven. Moreover, between McKinney and Congresswoman Rashida Tlaib, the city of Detroit will now enjoy all DSA representation in Congress.* In Michigan's seventh congressional district, progressive climate activist and co-founder of the Sunrise Movement William Lawrence pulled out a win in his primary as well. NBC notes that Lawrence defeated his two more moderate opponents, retired Navy SEAL Matt Maasdam and former Ambassador to Slovakia Bridget Brink, in part by aggressively criticizing the construction of new AI data centers. Some have alleged that Lawrence received support from Republicans using dark money to boost his campaign because they believe him to be an easier candidate to defeat in the general election. However, the Hillary Clinton campaign's “pied piper” strategy to boost Donald Trump in 2016 proves that this is ever a risky strategy. Michigan's seventh district is seen as a critical battleground seat. Donald Trump won the district by just one single percentage point in 2024.* In more data center news from the Midwest, Hell Gate reports former New York City Mayor Eric Adams was in “Wisconsin Rapids—population 18,654—trying to convince residents that they should allow a real estate developer to build a data center in the heart of their town.” In a video of his pitch, the townspeople can be seen heckling, booing and shouting down the former Mayor, with attendees saying “You belong in prison!” and “You're here to steal our water!” Community activist Kaitlyn Federwitz is quoted in this piece saying “Our whole town does not want him here at all,” adding “We want our resources to be properly safeguarded, our farmers to be protected, our waterways protected.” The Wisconsin Rapids economy had been largely dependent on a local mill, which closed its doors in 2020; Federwitz spoke to this, arguing that “When the mill closed, we lost 900 jobs. We're aware we need jobs and industry in our city.” However, she added that the people of Wisconsin Rapids are “not willing to accept that a data center is the answer to that problem.”* In more news from the midwest, United Auto Workers President Shawn Fain has published a new op-ed in Newsweek contending that “Democrats Must Pick a Side: Billionaires or Working-Class.” Fain cited numerous examples of Democrats in powers betraying their working class supporters, from NAFTA to modern governors like Abigail Spanberger of Virginia vetoing collective bargaining rights for public-sector workers. He criticized Michigan Governor Gretchen Whitmer in particular for vetoing “nine bills restoring pensions, lowering health care costs, and restoring bargaining rights for public-sector workers,” after “Michigan Democrats fought an 18-month legal battle to force the bills to the governor's desk.” He claims that “When the courts finally ordered [the bills] delivered, Whitmer vetoed all nine the same day—without so much as a phone call to legislative leaders or the unions that helped elect her.” He ends this piece with a call for “every elected official and candidate to…[reject] corporate PAC money,” and “adopt a platform that addresses the needs of working-class people.” This clear-eyed, laser focus on the working class is what has put Fain into conversation for a 2028 presidential run by some on the populist left, particularly if Alexandria Ocasio-Cortez ultimately declines to run. A recent article in POLITICO quotes Bhaskar Sunkara, the 2020 Sanders surrogate and former vice chair of the Democratic Socialists of America, saying “If he's willing to run, [Fain] might be the best candidate for the left…Since he's progressive but very much says his egalitarian value system comes from his Christianity, [he] can speak in a moral language that can reach more independents than other candidates, and I think it would set a good precedent for labor.”* For the DSA left, all eyes now turn to Wisconsin, where Francesca Hong's campaign for the gubernatorial nomination continues to pick up steam. Just this week, per Wis Politics, Hong picked up the endorsement of the SEIU Wisconsin Healthcare and Service Workers. In their endorsement statement, SEIU Wisconsin called Hong “a longtime advocate and fighter for the working class,” who is “committed to building back strong labor protections by overturning Act 10 and so-called ‘Right-to-Work' laws, expanding Badgercare, and abolishing poverty wages in Wisconsin.” The union added that Hong's “support for a $20 minimum wage, adopting family-centered policies such as paid family leave and affordable child care, and enacting much-needed regulations on corporate monopolies make her the clear choice for all Wisconsinites, not just the wealthy.” Hong currently leads in the polls, despite the sitting Democratic Governor's attempts to boost her primary rival, David Crowley. Both Hong and Crowley have racked up labor support, though Crowley decidedly leads among the building trades and firefighter unions.* In St. Louis, the left experienced its biggest setback this cycle, with former Congresswoman Cori Bush losing her comeback bid against Congressman Wesley Bell by a large margin. Bush was ousted in 2024 as part of “a broader strategy by AIPAC to unseat Israel's sharpest critics in Congress, including the ‘Squad,' which Bush was a part of,” per the Missouri Independent. This piece notes that AIPAC spent over $8 million to oust Bush in that cycle and outside groups spent $7.2 million on Bell's behalf this year. Bell's official campaign outspent Bush's by a margin well over 10 to 1. Bush is the first candidate backed by National DSA to lose their race in 2026, which, while disappointing in this case, is a stunning testament to the track record of the group.* In a totally different part of the country, this week Julian Beaudion, the Democratic nominee for Senate in South Dakota, dropped out of the race. Beaudion cited personal hardships for himself and his family in his statement of withdrawal citing a recent house fire. However, many see this as an acknowledgement that the independent candidate in this race, veteran and former park ranger Brian Bengs, has a better chance of defeating incumbent Republican Senator Mike Rounds in a head-to-head matchup. This dynamic has been playing out in other states; Democratic Senate candidates have dropped out to clear the way for independents in Nebraska and Idaho already and there is immense pressure on the Democratic nominee in Montana to do the same. For his part, Beaudion will not endorse either candidate in South Dakota, according to KELOLAND News, but South Dakota Searchlight reports the South Dakota Democratic Party will not replace Beaudion on the ballot, giving the greenlight for Democrats to coalesce around Bengs in the general election.* In another primary election story, Lehigh Valley Public Media is out with a story on the strange dynamic emerging in Pennsylvania's 7th congressional district. According to this story, this race – between incumbent Republican Ryan Mackenzie and his Democratic challenger Bob Brooks, who seems to have done the impossible by getting Bernie Sanders and Josh Shapiro on the same side in a primary – has been upended by the entry of one Andrew Tupone. Mr. Tupone, a former Republican candidate, is running on the Green Party ballot line and claims to have “joined the Green Party this spring, drawn by its environmental policies on water conservancy and opposition to data centers, after growing disillusioned with both major parties.” Yet, apparently, “Green Party leaders warned in a statement this month that a wave of candidates may be posing as party members across the state.” Chris Robinson, a Green party spokesman, claims that “The party hasn't endorsed any congressional candidates in Pennsylvania and has never heard from Tupone.” Robinson adds that he “looked at [Tupone's] Facebook page, and he seems like he's a nice Republican.” According to LVPM, “a third-party candidate wouldn't need to move the needle much,” to influence the outcome of the election, noting that the current Congressman defeated the Democratic incumbent, Rep. Susan Wild by just 1 percentage point, in 2024, while “Tim Silfies, the last third-party congressional candidate to appear on a Lehigh Valley ballot, earned 8,011 votes, or 3 percent of the vote, in 2018.”* Finally, in more third party news, POLITICO reports several leading figures on the anti-MAGA right – including Congressman Thomas Massie, former Congresswoman Marjorie Taylor Greene, and commentator Tucker Carlson – convened last weekend to “[sow] the seeds for a future third-party political organization…aimed at undercutting the Republican establishment.” This gang of three, joined by former Trump national security official Joe Kent, are particularly incensed by the president's intervention in Iran, with Greene writing “We said no more foreign wars and we meant it and supported Donald Trump because he made that promise. But he's betrayed us all.” This group is reportedly mulling a right-wing, third-party presidential campaign in 2028. While Carlson has declined to launch a presidential bid in the past, despite urging from within his circle, a sprawling new “10-point vision for America” he debuted during a recent stream implies that he is increasingly interested in articulating an alternative vision of right-wing politics from those espoused by Trump. This manifesto, as reported by Axios, includes everything from declassifying records on the JFK assasination and 9/11 to enforcing universal sobriety to “halting immigration until the effects of AI become clearer.” We will be watching closely to see if this effort moves forward or peters out as has been the pattern with other recent third party attempts.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

We don't get financial reform because no one actually wants government spending to go down. Where do your tax dollars end up? There several causes for inflation, and COVID was a big part. The Democrat party is the largest fraud network in the history of the planet. Affordable energy means cheaper everything.Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Yanni maps out how political influencers are being manipulated from the shadows by foreign interests, weighs in on Sophie Cunningham and Trans women in women's sports, and the real estate affordability crisis in coastal cities. Enjoy. Support our sponsors: To get simple, online access to personalized, affordable care for ED, Hair Loss, and more, visit https://hims.com/yannis That's H-I-M-S dot com slash yannis. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Federal Reserve kept interest rates unchanged—but that doesn't mean borrowing is getting any easier. In this episode of Everyday Economics, Greg Bishop sits down with PhD economist Orphe Divounguy to explain why mortgage rates remain elevated, what it means for first-time homebuyers, businesses looking to expand, and taxpayers navigating an increasingly expensive economy. Topics include: Why mortgage rates remain near 7% The end of the era of cheap money Housing affordability and first-time buyers Why wealthy buyers are still purchasing homes The impact of high borrowing costs on businesses Inflation, jobs, and the Federal Reserve's difficult balancing act What taxpayers should expect if interest rates stay elevated If you're wondering how Federal Reserve policy affects your finances, this breakdown explains the real-world economic consequences. Subscribe for more reporting on economics, government spending, taxes, inflation, and how public policy impacts taxpayers. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx #FederalReserve #InterestRates #MortgageRates #HousingMarket #Inflation #Economy #Taxpayer #EverydayEconomics #Finance #FederalReserveNews Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Following the tick report where we learn, in the words of a CDC scientist, that “the ticks are winning,” we discuss a new study finding wildfire smoke is now the primary pollutant negatively affecting pregnancy. Climate change, including increased heat, extended drought, and a thirsty atmosphere, has been a key driver in increasing the risk and extent of wildfires and the spike in tick borne illnesses. In a rather surprising development, former disgraced New York City mayor Erick Adams shows up to central Wisconsin to shill for data centers, and is booed by local residents. Whose brilliant idea was it to hire the corrupt Adams as a pitchman for Big Tech's AI binge? Investing in public education and phasing out the private voucher school program jumped onto center stage in the governor's race this week. Francesca Hong's commitment to wind down the voucher program which is draining resources from our public schools made headlines in the Milwaukee Journal-Sentinel. The newspaper also reports that Hong was the only candidate who agreed to discuss school funding plans in detail with reporters. Kudos to Hong for demonstrating her commitment to be open and honest with the public about her plans for the largest item in the state budget. We discuss the public debate in the 3rd Congressional District on if it is appropriate for the Democratic Congressional Campaign Committee (the political arm of the House Democrats) to intervene in the primary elections on behalf of Rebecca Cooke, raising concerns of closed door decisions that disempower voters. Robert discusses parallel concerns about Assembly Democratic Campaign Committee and Senate Democratic Campaign Committee interventions in Assembly District 21 and Senate District 17 races. We also react to news that Tom Tiffany raised $4 million of his $5 million cash on hand from three billionaires. We close with a Milwaukee Journal Sentinel investigation finding half of ICE flights conducted by Appleton-based Air Wisconsin are using Milwaukee Mitchell as its hub. Also, Robert tells us if it matters that two federal court decisions block the Trump Regime from rescinding billions in climate change grants. We urge our listeners in the Milwaukee area to attend our $20 Minimum Wage Town Hall, Wednesday, August 19th, 6pm.

This Day in Maine Wednesday, August 5th, 2026

Chris Harris is building houses for rent near Harris Park, where he owns a nonprofit that teaches kids how to play golf and other outdoor sports. The developments will target families making between $34,000 to $70,000 a year.

Nathan Nicholson was the top salesperson at his company but had very little to show for it. His retirement fund? It wasn't doing anything for him today, so he did something most would call “crazy”: he cashed it out. And it was the best move he could've made, as it's helped him buy 23 rental properties and generate well over $100,000 a year in true cash flow! Nathan's using an investing strategy that any investor can copy: buy small (and affordable) properties, fix them up, and rent them out. It's simple, it's boring, and it's exactly how he's making six figures in annual cash flow. But there's another wrinkle to Nathan's story: he only lives on his W-2 income, which means 100% of his rental cash flow gets reinvested back into his business. Now, he's focused on optimizing his properties for even more cash flow, and in this episode, he shares the four levers he's pulling to do just that. Whether you're looking to scale your real estate portfolio or stabilize the properties you already own, Nathan's slow, patient, conservative approach to real estate investing is a winning formula in 2026! In This Episode We Cover Why Nathan won't retire (yet), despite reaching financial freedom The repeatable strategy Nathan used to scale to 23 rental properties Four ways to increase cash flow across your rental portfolio (without more units!) The “new one-percent rule” to use when analyzing rental properties When to start paying off your mortgages versus buying more properties And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1312. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

You know what's best for you—that's the advice today's guest offers, and it's the exact mindset that took him from house hacking on a teacher's salary in his mid-20s to quitting his job with a four-property portfolio at 30. If you're still stuck answering to someone else, today's guest will show you that you don't have to! Welcome back to the Real Estate Rookie podcast! Jake Handler took a bet on himself, from buying his first property on a teacher's salary to building a four-property portfolio and walking away from the career he once expected to keep for life. Jake breaks down how he house hacked his way into real estate after a lender told him no, how he negotiated a seller-financed deal that soon housed his in-laws down the road, and how to score someone else's 2.75% interest rate! If you have a stable career and every reason to stay comfortable, Jake's story is proof that the biggest risk might actually be staying where you are! In This Episode We Cover The advice Jake did NOT take from a lender that led to him buying four properties  Jake's strategy to landing his first deal on a teacher's salary  Why Jake left teaching to go all-in on a real estate-first career  Negotiating a stellar seller-financed deal with one big caveat and bad tenants  Managing inherited tenants as a new landlord and getting the bad ones to (peacefully) leave And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-752. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this powerful and eye-opening episode of the Optimal Protein Podcast, Vanessa sits down with Dr. Ty Beal, a global nutrition scientist and research advisor at the Global Alliance for Improved Nutrition (GAIN), to explore the widespread problem of "hidden hunger"—getting enough or even too many calories while still falling short on essential vitamins and minerals. The PSMF Library is officially live

For decades, consumer tech like laptops and gaming systems got better AND cheaper. Memory shortages caused by the AI boom are making those lower prices a thing of the past. Fact checking by Sierra Juarez.Your Next Listen — SK Hynix to the moon, Gen-Z to their rooms, and Connecticut tax reform loomsConnect with The Indicator — Sign up for The Indicator's weekly newsletter!— Buy the Planet Money book— Find our socials, YouTube and more!— For sponsor-free episodes, subscribe to NPR+ See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Karen Yi, WNYC and Gothamist reporter covering homelessness and poverty, talks about the mayor's announcement that the five city-run grocery stores will offer 30% discounts on key products, plus updates the effects of SNAP changes. Photo: Mayor Zohran Kwame Mamdani, Deputy Mayor for Economic Justice Julie Su and New York City Economic Development Corporation (NYCEDC) announce that a core basket of everyday groceries will be 30 percent cheaper at the five new municipal grocery stores. The basket will include all fresh produce, meat and seafood, along with roughly 20 additional categories of pantry staples, dairy and refrigerated goods, Brooklyn on Monday, July 27 2026. Michael Appleton/Mayoral Photography Office Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For a limited time (a few days), you can join SDC at a huge discount and a small monthly payment. This is to reward action takes, those who have been sitting on the fence and anyone who hasn't joined because of funds. SDC at this low monthly rate is now accessible to anyone who has a desire to stop drinking. You still get full access to the entire program for a year & NeuroRepatterning + my new NeuroWalks library that I'll be building.

hi GGB:)   Guyssssss our sweet Maddie Crawford is our special guest today.    Maddie opens up about how church hurt led her away from God and into years of partying, unhealthy relationships, anxiety, and trying to fill a void that nothing could satisfy. After praying for direction, she moved to Los Angeles, attended a Bible study, encountered genuine Christian community, and began a life-changing relationship with Jesus.    She also opens up about dating and marrying Bryce, learning to put God above her relationship, navigating public judgment, comparison, modesty, submission, and the pressure to perform Christianity online. Her message to anyone feeling caught between faith and the world is that shame is not from God, following the crowd will not fulfill you, and Jesus is worth choosing.   this is such a good episode    we love you so much. Jesus loves you more. -Ang & Ari   ORDER OUR BOOK! You can order our new book "Out of the Wilderness- 31 Devotions to Walk with God Through Your Hardest Seasons" at https://www.girlsgonebible.com/book   JOIN US ON GGB+

#288: Chris breaks down exactly where to park your cash to earn the most, whether you have $10,000 or a few million. From high-yield savings accounts and Treasury ETFs to brokerage bonuses and cash management accounts, he explains the tradeoffs that actually matter—and why the highest advertised interest rate isn't always the best choice. He also shares the interactive tool he built to compare nearly 100 cash options based on your specific situation. Link to Full Show Notes: https://chrishutchins.com/where-to-put-your-cash-2026 Partner Deals Wispr Flow: ⁠Try effortless voice dictation for free Quince: Affordable luxury essentials with free shipping + 365 day returns DeleteMe: ⁠20% off removing your personal info from the web Trust & Will: ⁠Get 20% off personalized, legally binding estate plans Mercury: Help your business grow with simplified finances For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned Tools & Resources Chris's Cash Options Comparison Tool Doctor of Credit: Best High Yield Savings Accounts Doctor of Credit: Best Brokerage Bonuses Doctor of Credit: Best Bank Account Bonuses FedWatch Polymarket Kalshi Cash Accounts & Fintechs Silo Markets Bask® Mileage Savings Account ATH Podcast Ep #62: Protect Your Family, Mitigate Taxes and Preserve Your Wealth with Patrick and Mani Ep #177: Best Bank Account Setup to Earn Interest on All Your Cash 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 (00:49) Why Cash Deserves Its Own Strategy (02:46) Why the Stock Market Isn't for Cash (05:18) Why After-Tax Yield Matters More Than the Rate (08:18) How Different Tax Treatments Change Your Return (13:05) Building a Cash Comparison Tool in Claude (14:12) Why Traditional Bank Accounts Are the Worst Option (14:39) How High-Yield Savings Accounts Really Work (17:57) Understanding FDIC Insurance and Keeping Your Cash Safe (19:52) SIPC Coverage for Brokerage Accounts (20:12) Why Friction Can Cost You More Than Yield (21:47) Treasuries, Money-Market Funds, and ETFs (24:05) Cash Management Accounts as a Bridge (25:30) Box Spreads and Other Advanced Cash Strategies (28:58) How Cash Bonuses Can Boost Your Returns (32:44) Negotiating Brokerage Bonuses at Scale (34:24) Earning Points on Your Brokerage Account with Silo (41:05) Walking Through the Cash Comparison Tool (44:11) The Big Takeaways by Tax Bracket (45:09) The High-Yield Savings Baseline (48:02) Why Friction Beat Optimization (50:13) Stacking Bank and Brokerage Bonuses (54:06) The Best Cash Strategy 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