Podcasts about Average

This episode was sponsored by Cardiff   LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/   Today's Dropping Bombs episode delivers a raw awakening with John Gafford, who exposes the drift—that dangerous place where you're not broke but not rich, not sad but not happy, just existing while life happens to you.   From Apprentice contestant to luxury real estate titan and now author, John breaks down radical self-accountability, the $100,000 vitamin disaster, and why nobody's coming to save you—the quicker you accept that, the faster you escape.   This conversation separates the asleep from the awake—if you're trapped in comfort, excuses, or victim mentality, John's blueprint will shatter every illusion. Your drift ends here.  

Seven years ago, Jo Menneer was running a busy studio shooting both family and boudoir sessions — averaging around £800 per client. Today, she's working Monday to Friday only, shooting fewer sessions, and averaging £2,250 per client… with some spending five figures. What changed? Not her location. Not the size of her studio. Not even the number of sessions she shoots. In this episode, Jo breaks down how refining her client journey, raising prices (despite a clenched stomach), implementing structured pre-shoot calls, and focusing on confidence over photography transformed her boudoir business into a calmer, more profitable and more impactful studio. If you've ever thought “my market won't pay that” or “I can't raise my prices here,” this conversation might just shift your thinking. The post 657: Jo Menneer – From $800 to $2,250 Average Sale in Her Photography Business (Without Working Weekends) appeared first on Photography Business Xposed - Photography Podcast - how to build and market your portrait and wedding photography business.

In this episode, we sit down with Dr. David Rabin for a mind-expanding conversation on what we've fundamentally gotten wrong about mental health—and why treating symptoms instead of root causes keeps us stuck. They unpack how smartphones hijack our dopamine, why modern convenience works against our nervous systems, and what it really takes to break free from a chronic sympathetic (fight-or-flight) state. From the ancestral role of dopamine and the science behind hugs to nuanced discussions on anxiety, autism spectrum disorder, psychedelics, and ibogaine, this episode bridges ancient biology with cutting-edge research. Dr. Rabin also dives into the “Ape Theory” and the importance of understanding specific mushroom strains rather than lumping them all together. The conversation wraps with insights on Apollo Neuro, sleep optimization, respiratory rates, the “first night effect,” and a refreshing reminder that living a simple, happy life may be the most powerful biohack of all.Dr. David Rabin, MD, PhD, is a translational neuroscientist, board-certified psychiatrist, health tech entrepreneur & inventor who has been studying the impact of chronic stress in humans for more than two decades. He is the co-founder & Chief Medical Officer at Apollo Neuroscience, which has developed the first scientifically-validated wearable technology that actively improves energy, focus & relaxation, using a novel touch therapy that signals safety to the brain.In addition to his clinical psychiatry practice, Dr. Rabin is currently conducting research on wearable and technology-based solutions for mental illnesses and the mechanism of psychedelic-assisted psychotherapy in treatment-resistant mental illnesses. He received his MD in medicine and PhD in neuroscience from Albany Medical College and specialized in psychiatry with a distinction in research at Western Psychiatric Institute & Clinic at the University of Pittsburgh Medical Center. He has been married to his co-founder, Kathryn Fantauzzi, since 2016.SHOW NOTES:0:40 Welcome to the podcast!4:06 About Dave Rabin5:03 Welcome him to the show!6:36 What have we gotten wrong about mental health?8:15 Interaction with our smart phones11:12 Treating symptoms, not the cause12:25 Breaking free from sympathetic state15:48 The ancestral purpose of dopamine19:06 Patience vs Convenience24:08 Why we need hugs for health28:29 *CALOCURB*29:40 Anxiety & Autism Spectrum Disorder 32:09 When are psychedelics appropriate?35:34 Knowing your mushroom strain39:42 Ibogaine benefits46:21 Germ theory & antibiotics51:12 The Ape Theory57:13 About the Apollo1:03:05 How it increases deep & REM sleep1:04:01 Average respiratory rates1:08:05 “First Night Effect”1:08:54 How to live a simple, happy life1:11:32 “The Four Agreements”1:15:03 His final piece of advice1:17:40 Thanks for tuning in!RESOURCES:Calocurb - code: RENEE10_______________Website: David Rabin MD, PhD, Apollo NeuroApollo Neuro - Discount code: BIOHACKERBABESDr. Rabin's Book: A Simple Guide to Being AliveInstagram: @drdavidrabinTwitter: @daverabinWikipedia: David Rabin MD, PhDPodcast Website: The Psychedelic NewsDocumentaries: How to Change Your Mind, War in WavesMycology Psychology FREE Community CallSupport this podcast at — https://redcircle.com/biohacker-babes-podcast/donationsAdvertising Inquiries: https://redcircle.com/brands

Which big player is doing the most damage to gaming? Is it Sony deprioritizing the single player experience? Microsoft anointing a new AI focused Xbox CEO? Nintendo treating major franchises as cheap cash grabs? Join Joseph Martin, James Pelster, and Blu Ryder as they discuss all this and the following on the last of the 100's of the GameCola Podcast! - Paul Franzen and Michael Gray's Cat President: 3rd Rate Candidate is out! - The Slop of Xbox Live Arcade vs the Slop of today - Sony's new gaming priorities - The CEO shuffle of Xbox - How does Pokémon Winds and Waves stack up to our fears and experiences with Gen 8 and 9? - Games we've been playing in RECENT TIMES ~ [Podcast Intro/Outro “5 is Average” by Meteo Xavier]

The NFLPA report cards are out, and the results confirm what many Packers fans have felt in their gut for a long time — this coaching staff has a credibility problem. Ryan dives deep into every category of the 2026 report cards, breaking down where Green Bay ranks among all 32 teams, and the picture isn't pretty for a franchise that prides itself on being "first class." The Packers ranked just 21st overall, with coaching staff dragging the organization down to 26th in that category Matt LaFleur graded as the second-lowest rated active head coach in the NFL by his own players — below every other NFC North coach The "most beloved man in football" Rich Bisaccia received a dead-average B+ from players, with 14 special teams coordinators graded higher Training staff ranked 28th overall with players frustrated by a one-size-fits-all approach to injuries Ryan addresses the Sean Ryan free agency situation and why he assumes the center will be re-signed Ryan pulls no punches on the disconnect between what the organization says publicly about its coaches and what the players revealed on a private ballot. Are the Packers sliding from contender to irrelevance? The data is starting to paint a troubling picture. Subscribe, rate, and leave a review to help the show grow. Tomorrow's episode will cover a new free agent name that just became available. #Packers #GreenBayPackers #NFL #NFLPAReportCards #MattLaFleur #PackersPodcast This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Help keep the show growing and check out everything I'm building across the Packers and NFL world: Support: Patreon: www.patreon.com/pack_daddy Venmo: @Packernetpodcast CashApp: $packpod Website: https://nfldraftgrades.com/ My Board: https://nfldraftgrades.com/board/83a18c42-7a0b-4590-8d1b-453e49840d02

The NFLPA report cards are out, and the results confirm what many Packers fans have felt in their gut for a long time — this coaching staff has a credibility problem. Ryan dives deep into every category of the 2026 report cards, breaking down where Green Bay ranks among all 32 teams, and the picture isn't pretty for a franchise that prides itself on being "first class." The Packers ranked just 21st overall, with coaching staff dragging the organization down to 26th in that category Matt LaFleur graded as the second-lowest rated active head coach in the NFL by his own players — below every other NFC North coach The "most beloved man in football" Rich Bisaccia received a dead-average B+ from players, with 14 special teams coordinators graded higher Training staff ranked 28th overall with players frustrated by a one-size-fits-all approach to injuries Ryan addresses the Sean Ryan free agency situation and why he assumes the center will be re-signed Ryan pulls no punches on the disconnect between what the organization says publicly about its coaches and what the players revealed on a private ballot. Are the Packers sliding from contender to irrelevance? The data is starting to paint a troubling picture. Subscribe, rate, and leave a review to help the show grow. Tomorrow's episode will cover a new free agent name that just became available. #Packers #GreenBayPackers #NFL #NFLPAReportCards #MattLaFleur #PackersPodcast This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Help keep the show growing and check out everything I'm building across the Packers and NFL world: Support: Patreon: www.patreon.com/pack_daddy Venmo: @Packernetpodcast CashApp: $packpod Website: https://nfldraftgrades.com/ My Board: https://nfldraftgrades.com/board/83a18c42-7a0b-4590-8d1b-453e49840d02

In this interview, Anubhav Sinha, #taapseepannu and Kani Kusruti discuss the importance of films like #Assi, society's failure to prevent assault, hyper-masculinity in the industry, resistance to mounting female-led stories, the challenges directors now face while making films, and more. Learn more about your ad choices. Visit megaphone.fm/adchoices

G’day, mates! Grab your blooming onions and watch out for "bucking" hams, because Bob is bringing his best Australian accent to the studio today. In this episode, Bob and Jesse dive into the wacky world of friendships. From "Leg Cramp Girl" on the bus to a PE teacher whose heart rate spikes just by seeing Bob walk into the gym, the duo explores how every person in our lives provides an opportunity to show God’s love. Whether it’s a "tight-as-a-tourniquet" hug from Mom or a back-pat from Dad that sends you flying across the room, love and encouragement come in all shapes and sizes. Click here to see the new Average Boy book title and cover! Click here to visit the Average Boy Store to gain access to books, devotionals, subscriptions to Clubhouse Magazine, and much more! We'd love to hear from you! Visit our Homepage to leave us a voicemail. If you enjoyed listening to The Official Average Boy Podcast, please give us your feedback.

This week, Terry and Reneé break down one of the most important truths in the Christian life: faith is issued to every believer — but the development of that faith is your responsibility.Terry walks through the progression Jesus taught:No Faith → Little Faith → Average Faith → Great Faith → All Faith → the God-Kind of Faith.Your starting point isn't the problem.What you do with what God gave you is what determines your future.Learn how to grow your faith, strengthen it, protect it, and move it into the realm where God calls it “great.”Featured Resource:The Iron Did Swim• Physical CD: https://shop.terrymize.com/products/copy-of-the-iron-did-swim-cd• Audio Download: https://shop.terrymize.com/products/the-iron-did-swim-audio-downloadMore teaching at: https://terrymize.comShop faith-building resources: https://shop.terrymize.com

G'day, mates! Grab your blooming onions and watch out for "bucking" hams, because Bob is bringing his best Australian accent to the studio today. In this episode, Bob and Jesse dive into the wacky world of friendships. From "Leg Cramp Girl" on the bus to a PE teacher whose heart rate spikes just by seeing Bob walk into the gym, the duo explores how every person in our lives provides an opportunity to show God's love. Whether it's a "tight-as-a-tourniquet" hug from Mom or a back-pat from Dad that sends you flying across the room, love and encouragement come in all shapes and sizes. Click here to see the new Average Boy book title and cover! Click here to visit the Average Boy Store to gain access to books, devotionals, subscriptions to Clubhouse Magazine, and much more! We'd love to hear from you! Visit our Homepage to leave us a voicemail. If you enjoyed listening to The Official Average Boy Podcast, please give us your feedback. To support this ministry financially, visit: https://www.oneplace.com/donate/1443/29?v=20251111

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-maximus-podcast--3284949/support.

Episode #1102 Many men believe that providing a house, a bank account, and a stable lifestyle is enough to keep their marriage thriving. They pour their energy into work or physical fitness, thinking that if they just achieve more, their wives will finally feel secure and satisfied. But as Paul shares in this episode, you can't intellectualize your way out of a disconnected relationship. Often, the harder a man tries to "fix" things through external achievements, the further he drifts from the man his wife actually fell in love with. Paul opens up about the moment his world shattered and he realized he had been "half-assing" his life by doing just enough to be average. Like many high-performers, he used control and certainty as a shield, resisting the very emotional openness required to save his marriage. Alongside Lawrence, he discusses the transformational process of letting go of the need for constant control and the realization that mindset alone is ineffective if it isn't fueled by a grounded heart. The conversation dives deep into the "knowledge gap" that keeps men stuck in loops of defensiveness and shame. You will hear why marriage counseling often fails when a man hasn't first done the work on himself, and why respect often carries more physiological weight for a man than affection. This episode is a look at what happens when you stop being a "fixer" and start taking radical responsibility for the man you are showing up as every day. We explore the importance of routine, the danger of the "lone wolf" mentality, and how to start listening to what your wife is actually saying rather than what you think she is saying. If you feel like you are walking on eggshells in your own home or that you have lost your sense of identity in the pursuit of success, this discussion provides a roadmap for coming back to center. If you are ready to stop guessing and start leading your family with clarity, take the next step by accessing our free training. This is designed for the man who is tired of the distance and ready to see exactly where his relationship stands. Visit https://fixmarriage.thepowerfulman.com/scales to get started.

Mortgage rates drop. The AP's Alex Veiga reports.

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As the work week begins to wrap up, it's gradually getting warmer with a high in the low 50's expected for tomorrow before winter dumps more snow on us Saturday morning. Yay! So, don't put your shovels away just yet. In the news this morning, Metallica officially announces their residency at the Sphere in Vegas, a recall on frozen blueberries, the US government has lifted the "shelter-in-place" order in Mexico, and Jackass is officially coming to an end. In sports, the Bucks got a win over the Cavs last night, the Badgers lost to Oregon, the deadly shooting at a hockey rink in Rhode Island has claimed another victim, the NFL announced yesterday that both the Jaguars & Commanders would be playing overseas next season, and former La Crosse Logger - Max Scherzer - signs a one-year deal with the Blue Jays. We talked about what's on TV today/tonight and we also looked at the list of nominees for the 2026 Rock & Roll Hall of Fame and determined who should & shouldn't get in. A singing mailman in Chicago went viral after someone on his route posted a doorbell camera video of him singing…people did some digging & found out he had a lengthy commute with no vehicle…and you can probably figure out the rest! And check out this nun who was willing to risk serious injury to herself in order to save a child from being crushed by a falling tree! It seems like everyone & their grandmother is on OnlyFans or some other adult platform…but what does the average person make per year by producing adult content? We took a look at the numbers. Elsewhere in sports, Joel Quenneville becomes just the 2nd head coach in NHL history with 1,000 wins, Sidney Crosby's injury at the Olympics will keep him out of action for another month, and NASCAR scraps the "Promoter's Caution" from this year's All-Star race. Today is "National Chili Day" and it's "Hypothetical Thursday"! Brian asked Jean: "Would you take $5 million dollars in cash right now, but your lifespan would be cut by 10 years?". And Jean asked Brian: "Which would you rather give up for a month? Your phone or your vehicles?" Office Cora joined us just after 8am to let us know what she's up to in the 715 this weekend. Plus, she recapped her vacation to Puerta Vallarta that came to an end just before all the drug cartel violence! And in today's edition of "Bad News with Happy Music", we had stories about a dude in California who crashed his car while doing whippets and kept doing them while being rescued, a felon in LA who got in even more trouble for feeding a Buzz Ball to a hawk, a Whataburger manager in Texas who beat a customer with a trash barrel, a dude in Pennsylvania who set multiple fires in his townhome while trying to kill spiders, a guy in NY who is facing charges for trying to kill his own sister with a crossbow after an argument about the temperature in their house, and a #FloridaMan who went nuts in a Chinese restaurant and did a bunch of damage with a shovel.See omnystudio.com/listener for privacy information.

Episode 1. 00:00 - Intro. 04:05 - Elizabeth Lane's statement on Erika Kirk and thoughts. 15:07 - Wrinkles in upbringing. 31:48 - Wrinkles in family history. 49:46 - The Wrinkle in Time School. 57:36 - Comments. PreBorn!​ To donate, dial #250 and say they keyword “BABY" or by visiting https://preborn.com/candace Kikoff​ ​ Build credit fast and get your first month for just a dollar at https://getkikoff.com/candace today. Thanks to Kikoff for sponsoring us! Must sign up via getkikoff.com/candace to activate offer. Offer applies to new Kikoff customers' first month only. Subject to approval. Offer subject to change. Average first-year credit score impact of +84 points (VantageScore 3.0) between Jan-2023 & Jan-2024 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary. PDS Debt​ Don't wait another month; take back control in 30 seconds. Get your free, personalized assessment and the best option for you http://pdsdebt.com/candace Nimi Skincare​ ​ Save 10% on your order with promo code CANDACE10 at http://www.NimiSkincare.com PureTalk​ Make the switch today and save an additional 50% off your first month at http://www.PureTalk.com/Owens ​ Home Title Lock​ Go to https://hometitlelock.com/candace and use promo code CANDACE to get a FREE title history report and a FREE TRIAL of their Triple Lock Protection! For details visit https://hometitlelock.com/warranty American Financing​ NMLS 182334, http://www.nmlsconsumeraccess.org. APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 800-795-1210 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/Owens. ​ Tax Network USA​ Do not wait for another IRS letter or a frozen bank account. Call 866-686-1651. or visit http://tnusa.com/candace Candace Official Website: https://candaceowens.com Candace Merch: https://shop.candaceowens.com Candace on Apple Podcasts: https://t.co/Pp5VZiLXbq Candace on Spotify: https://t.co/16pMuADXuT Candace on Rumble: https://rumble.com/c/RealCandaceO Candace en Español: https://www.youtube.com/@CandaceOwensEnEspanol Candace Owens em Português: https://www.youtube.com/@CandaceOwensemPortugues Candace Owens en Français: https://www.youtube.com/@CandaceOwensEnFrançais Learn more about your ad choices. Visit megaphone.fm/adchoices

How historical and expected returns for university endowments can guide us in setting reasonable return expectations. We also analyze managed futures strategies to see how they work, how they have performed, and how to use them in your investment portfolio.Show Notes2025 NACUBO-Commonfund Study of Endowments (NCSE) Results—NACUBOPrinceton University cuts expectation for endowment returns by Sun Yu—The Financial TimesDemystifying Managed Futures by Brian K. Hurst, Yao Hua Ooi, and Lasse H. Pedersen—AQRInvestments MentionedAQR Managed Futures Strategy Fund I (AQMIX)iMGP DBi Managed Futures Strategy ETF (DBMF)KraneShares Mount Lucas Managed Futures Index Strategy ETF (KMLM)WisdomTree Managed Futures Strategy Fund (WTMF)First Trust Managed Futures Strategy Fund (FMF)Return Stacked US Stocks & Managed Futures ETF (RSST)Related Episodes524: Facing a Financial Squeeze: What Harvard's Response Can Teach the Rest of Us204: Why Are Investment Returns So Low?180: Can You Outperform Harvard's Endowment?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

You're writing the book of your life right now — every single day. The question is, will it have a joyful ending? Not happy. Joyful. There's a difference, and it matters more than most people realize. Too many people are living average lives, chasing shiny objects instead of building something that lasts. That's no way to write a story worth telling. In this episode, I'm sharing three things that separate people who live joyfully from those just getting by — and showing you how to start rewriting your story today. No waiting. Featured Story I walked into Costco the other day fresh off an Italian ice from Jeremiah's — the best spot in Daytona Beach. I'd literally just eaten when the sample lady appeared with cake. I grabbed one without thinking. My wife stared at me. "You just had ice cream." I said, "It's free. I have to eat it. It's required by law." She reminded me I was on a diet. I told her the diet starts Monday. It's Saturday. I'm the boss of me. That moment is funny, but it's also a perfect example of why writing a joyful life takes more than good intentions. Being the boss of you cuts both ways. Important Points Getting in your own way is how you learn and grow — your act is already solid; you're just ready for a brand-new one. Average lives are exhausting because people chase shiny objects rather than consistent actions that actually work. Think like a business owner — find what gets results, make it truly sustainable, and keep doing it every single day. Memorable Quotes Happy is overrated — joyful lasts. When you're truly joyful, you don't have to chase it down every single day. You have your act together right now. You just don't want it anymore — and that's exactly what growth looks like. Find what works, do it again and again and again, and watch your joyful ending write itself. That's the whole plan. Scott's Three-Step Approach Catch yourself getting in your own way and recognize it for what it actually is — the starting point of real growth. Drop the shiny objects and lock onto the one or two actions that consistently create the results you actually want. Build sustainable habits like a business owner, and your joyful book ending will start writing itself every day. Chapters 0:02 - You're the boss of you — and what that really costs 2:53 - The difference between happy and joyful endings 5:30 - Why most people end up writing an average book 8:30 - Would your book have a joyful ending written today? 10:38 - Three things that separate joyful people from the rest 14:22 - How to start writing your joyful ending right now Connect With Me Search for the Daily Boost on YouTube, Apple Podcasts, and Spotify Email: support@motivationtomove.com Main Website: https://motivationtomove.com YouTube: https://youtube.com/dailyboostpodcast Instagram: https://instagram.com/heyscottsmith Facebook Page: https://facebook.com/motivationtomove Facebook Group: https://dailyboostpodcast.com/facebook Learn more about your ad choices. Visit megaphone.fm/adchoices

In this expansive and deliberately contrarian episode, Jesse takes on annuities—not with a sales pitch or a blanket dismissal, but by putting them under a rigorous planning lens rooted in risk, probability, and real retirement outcomes. He begins by laying out what annuities actually are, clearly separating fixed annuities from their variable cousins, and explaining why high fees, capped upside, illiquidity, and poor expected returns make most annuity products deeply unattractive. From there, Jesse zeroes in on the one annuity type he considers intellectually defensible in narrow circumstances: the single premium immediate annuity (SPIA), framing it not as an investment but as insurance against longevity and sequence-of-returns risk. The heart of the episode introduces the concept of ergodicity and uses vivid examples to show how retirement planning is fundamentally non-ergodic, dominated by tail risks, bad timing, and one irreversible life path. Through this lens, annuities are reframed as a tradeoff: a high probability of modest financial loss in exchange for protection against a low-probability but catastrophic retirement failure. Jesse closes by emphasizing that annuities, when used correctly, dull both the upside and the downside—reducing the chance of ruin at the cost of lower lifetime wealth—and that whether that trade is worth making depends not on averages or rules of thumb, but on an individual's specific risks, values, and tolerance for uncertainty. Key Takeaways: • Most annuities are expensive, illiquid, and poorly designed. Annuities are insurance products, not investments. • SPIAs are the simplest and most transparent annuity structure. SPIAs insure against longevity and sequence-of-returns risk. • Retirement planning is a non-ergodic problem. Average outcomes do not reflect individual retiree experiences. • Monte Carlo averages can hide catastrophic failures. • Annuities pool longevity risk across many people. Most annuity buyers will "lose" financially on average. • The annuity decision is a personal risk-management choice, not a math trick. Key Timestamps: (01:39) – Diving into Annuities (07:39) – Understanding Variable and Fixed Annuities (15:38) – Risks and Protections of Annuities (19:58) – Single Premium Immediate Annuities (SPIAs) (26:24) – Understanding Ergodic Systems (30:36) – The 4% Rule and Sequence of Returns (34:44) – Tail Risks and Longevity in Retirement (46:52) – The Role of Annuities in Retirement Planning Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://www.fortunesandfrictions.com/post/one-in-a-quadrillion https://bestinterest.blog/e127/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

According to the Pew Research Center, Income Impact: without Social Security, nearly 40% of seniors would have incomes below the official poverty threshold. Furthermore, the Office of Budget and Policy Initiative notes that Social Security benefits are more modest than commonly perceived; as of February 2024, the average monthly Social Security retirement benefit was approximately $1,862, equating to about $22,344 annually. (Average payments for disabled workers and aged widows were lower.) For an individual with average earnings retiring at age 65 in 2024, Social Security replaces roughly 39% of previous income. This “replacement rate” has declined as the program's full retirement age increased from 65 in 2000 to 67 by 2022. Nancy L. Cavey is a distinguished attorney with over 39 years of experience specializing in disability law. Recognizing the complexities and significant impact of filing for disability benefits, Cavey has successfully guided numerous clients through the process with expertise and sensitivity. Her practice, The Law Office of Nancy L. Cavey, possesses extensive experience in disability claims and has represented clients with medical conditions including heart disease, hypertension, chronic fatigue syndrome, fibromyalgia, spinal injuries, post-traumatic stress disorder, and traumatic brain injury.  Cavey's dedication to her work is informed by personal experience: during her late teens, her father was diagnosed with leukemia. This firsthand understanding of the emotional and financial challenges faced by individuals and families affected by disability informs her empathetic approach to client representation. Serving clients nationwide in Social Security and Long-Term Disability matters, she consistently advocates for individuals who have not received fair treatment or entitled benefits. Cavey has authored several consumer-oriented guides on disability, including *The Disability Insurance Claim Survival Guide for Professionals* and *Your Rights to Social Security Disability Benefits*. She is also a member of the National Organization of Social Security Claims Representatives (NOSSCR), and is licensed in Florida and the District of Columbia. For additional information, please visit: https://caveylaw.com/ Phone: (727) 894-3188 YouTube: @CaveyLaw Podcast: https://podcasts.apple.com/us/podcast/winning-isnt-easy-navigating-your-social-security-disability/id1792485475   Learn more about your ad choices. Visit megaphone.fm/adchoices

Top 5 Cities to Retire in Croatia for Gay Folks | Affordable Gay Retirement in EuropeYour morning walk is along a stone promenade by the Adriatic Sea.Your biggest decision? Coffee… or wine… or both.And your cost of living just dropped by 40–60%.If you've been dreaming about gay retirement abroad, but assumed Europe meant Paris prices or Barcelona crowds, think again. In this episode of Queer Money, we break down the top 5 cities to retire in Croatia for gay men who want affordability, culture, and coastal beauty without draining their portfolio.Croatia may be Europe's best-kept retirement secret.We ranked these cities using our Queer Money Retirement Rating, overweighting affordability because stretching your retirement dollars matters — especially if you want options.In This Episode We Cover:➜ Zagreb – Croatia's largest LGBTQ+ community and most livable city➜ Split – Beach life, island hopping, and expat-friendly energy➜ Rijeka – Progressive, artsy, and quietly affordable➜ Osijek – Shockingly low cost of living with small-town charm➜ Zadar – Romantic seaside sunsets without the tourist chaosWe also break down:➜ Cost of living compared to Denver (40–60% cheaper)➜ Average two-bedroom rent ($700–$1,400 USD)➜ LGBTQ+ protections and civil union laws➜ What the gay scene actually looks like (and where to be discreet)➜ Why Dubrovnik didn't make the listCroatia offers Mediterranean lifestyle, national healthcare access, and European culture — without the Spain or Italy price tag.But affordability is only half the story. We also talk honestly about LGBTQ+ acceptance, legal protections, and what life is really like for gay retirees in Croatia.

Jeremy reveals that the West Coast Card Show sparked the start of a brand-new sub-PC, and explains why today's hobby environment often pushes collectors toward personal themes instead of traditional set building. Leighton Sheldon joins to talk about the real advantage of attending shows in person, where eye appeal, overlooked cards, and fresh inventory can still create opportunities for collectors who know what they're looking at. The conversation moves into vintage, market health, and why not all cards inside the same grade are created equal. Then Kyle “K-Dub” Woelber joins the show and introduces himself as the voice of the everyday collector from the Twitter community, setting up a broader discussion about hobby culture, engagement, and what community actually means across platforms. Listen now, and stay tuned because Part 3 is where the new PC reveal and show pickups really begin. If you enjoy the show, follow the podcast, leave a rating, and share it with a collector who believes the hobby is still about connection, not just transactions. Learn more about your ad choices. Visit megaphone.fm/adchoices

Marcus' What You Know 'Bout That trivia game for Tuesday February 24th, 2026. 

Rents are continuing to rise while supply hits an all-time low that's the top line from the latest Daft.ie report. Speaking to Anton this morning the author of that report, Ronan Lyons who is also Economist at Trinity College Dublin.

Market rents across the country rose by 4.4% last year, 80% higher than they were a decade ago, with the average monthly rent for an apartment in Dublin city now almost €2,700. That's according to the latest Rental Report by Daft.ie. This comes on the same day that an overhaul of rent regulations has been signed into law by President Catherine Connolly.Joining Ciara to discuss is Eoin Ó Broin, SF Housing Spokesperson and Mary Conway from the Irish Property Owners Association.

Shoot us a Text.Episode #1276: The 2026 dealer census shows fewer franchise points but stronger per-store sales. Tesla resale values rise while other EVs slide post-tax-credit. And consumers are shifting away from big-ticket purchases, focusing instead on repairs, durability and value.The latest Automotive News dealer census shows a network that's slimming down—but getting stronger. As OEMs right-size their footprints, throughput is climbing and single-brand stores are on the rise.The U.S. starts 2026 with 18,300 dealerships—just 11 fewer than last year—but total franchise points dropped 1.5% to 29,387.Exclusive, single-brand stores rose 1.2% to 13,351 locations as automakers continue network consolidation strategies.Buick (-20%), Lincoln (-9.9%) and Jaguar (-25%) all shrank networks intentionally, boosting per-store performance in the process.Average franchise throughput across the industry climbed 4.1% to 532 vehicles in 2025, with Toyota leading at 1,736 units per store, up 8%.19 brands improved throughput in 2025 — but 24 saw declines, including 12 brands down more than 10%. As networks shrink, the gap between healthy franchises and struggling ones is widening fast.When the $7,500 EV tax credit disappeared, most used EV prices fell. Except Tesla. While mainstream electric models lost value and OEMs started discounting hard, Tesla resale prices actually climbed — changing the whole picture.Used Tesla prices rose 4.3% since the credit ended, while other used EVs dropped an average of 3.6%.Because Tesla makes up such a big slice of the market, overall used EV prices actually rose 3.5% — but that's a bit of a mirage.Lower-cost EVs like the Kona Electric, ID.4, Niro EV and Mach-E all lost around 5–6% in just a few months. The Porsche Taycan was the only non-Tesla model to see a price increase, at 4.1%Used EV market share fell 20% in four months, suggesting mainstream buyers aren't rushing in — even with heavy new-EV discounts.Consumers are still spending — just not on the big stuff. Higher interest rates and tight housing turnover pushed shoppers towards smaller upgrades and essential repairs in 2025 — a trend expected to continue through 2026.Spending slowed across income groups late in 2025, especially households under $40K and over $150K.Large discretionary purchases like furniture and mattresses slowed sharply, while décor, kitchen items and maintenance held up.Home improvement spending softened for a third straight year but remains above pre-pandemic levels.Today's show is brought to you by ESi-Q. ESi-Q measures employee satisfaction and provides actionable insight into what's Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

What a fun little uncanny experience. The family dynamic is wonderfully weird — the mom desperately trying to hide anything ghostly, poor Eli just wanting someone to believe him — and the whole atmosphere feels like a suburban haunting no one wants to talk about. As an incredibly average player with a long history of failing tutorials, I managed to score a very impressive 50% on the ghost photos. Spectral forms and apparitions completely melted together in my brain, and yes… I absolutely marked one totally normal photo as haunted. It was a moment. This video is the clipped demo section from my stream, so it's a clean first‑look at the gameplay, puzzles, and photo mechanics. I had a great time with it and I'm excited to see where the full game goes ❤️ Developer: ⁠ ⁨@frostwoodinteractive⁩ ⁠

Ferenc shares several interesting recent client meetings. Many listeners will gain valuable financial insights.       1. An annual review with a client who received 20% return with their index annuity this past year.      2.A review with a client that invested in index annuities and high cash value policies in 2007, then guaranteed lifetime income later. Very interesting story through the Great Recession..      3. Planning meeting that potentially doubled income for retirement.   US household debt has hit new records. It has doubled in the past 20 years. This will likely lead to a weak economy, possibly a recession.    Average rent has declined in markets that are overbuilt. Some markets have dropped 20%. The Brookings Institute estimates there are 300,000 fewer people in the US than the previous year.This was the first time in 50 years that more immigrants left America than entered it. Brookings projects about 1,000,000 will leave in 2026. Rents will likely continue to decline.   Housing buyer demand has hit the lowest level on record. In 2005, the median income was $46,000 and the median house price was $184,000. In 2026, the median income is $59,000 while the median house price is $450,000. In 20 years, income increased 20% and house prices increased 150%.   Homebuilders continue to build new homes. The number of unsold completed new homes have hit the highest level since 2011. Building permits hit a five month high. Despite increased inventory, homebuilders are continuing to build. Home prices are likely to continue to decline.   Realtor.com states one of the following needs to occur for homebuyer demand to return:      1. Mortgage rates fall to 2.65%.    2. Household incomes rise 56% to a median of $132,171.    3. Median home prices drop 35% to a median of $273,000.

Gene Marks reports that despite a disappointing fourth-quarter GDP growth rate of 1.4 percent and sluggishness in shipping and chemical sectors, small businesses remain surprisingly resilient with optimism above average and continued hiring plans even as AI integration remains limited. 31949 STORK CLUB

Average Debate Enjoyer on YouTube Lets have a conversatiom with Tyler about his move to Texas, his move from the political left and decision to become a gun owner. Podcast Powered By Meprolight USA Call In Segment Powered By Nutrithority Save 20% On Your First Order With Code CLOVERTAC ********** Become A YouTube Channel Member Amazon Influencer Store Visit The CloverTac Website Grab You Some Camorado Apparel

It's tournament season! If you want to become a better angler and participate in your first Kayak Fishing tournament, this is the Podcast FOR YOU!Every other week, we are bringing you the top tips from pros, geared towards beginner to aggressively above average anglers.Bring your questions and ask them in chat!Let's learn and grow together as a community!T-SHIRTS and DECALS: aggressivelyaverageanglers.myshopify.comBurly Fishing Content:Follow BurlyFishing: https://www.youtube.com/@aaanglersInstagram: instagram.com/aaanglersFacebook: facebook.com/burlyfishingTik Tok:tiktok.com/@aaanglers

Average Debate Enjoyer on YouTube Lets have a conversatiom with Tyler about his move to Texas, his move from the political left and decision to become a gun owner. Podcast Powered By Meprolight USA Call In Segment Powered By Nutrithority Save 20% On Your First Order With Code CLOVERTAC ********** Become A YouTube Channel Member Amazon Influencer Store Visit The CloverTac Website Grab You Some Camorado Apparel

Dave Rendall has spoken on every inhabited continent for the last 20 years — Microsoft, AT&T, the US Air Force, the Australian government, Fortune 50 companies. He has a doctorate in organizational leadership, he's a former stand-up comedian, and he wrote The Freak Factor, a book that argues the thing everyone calls your biggest weakness is actually the foundation of your biggest strength. Before all of that, he ran nonprofits that helped people with disabilities find employment. He's also an ultramarathon runner and Ironman triathlete who competes in between keynotes.This one was personal. My son was diagnosed with dyslexia and ADHD, and I was diagnosed with Level 1 autism — all around the same time. Dave's video on weaknesses being strengths changed how my wife and I parent our kids. We've been in each other's orbit for six years — he MCs the events I speak at — but we'd never sat down and gone deep like this. We got into why "normal" doesn't actually exist, why your best employees probably have the most anxiety, the survivorship bias problem with reframing disabilities as superpowers, why "Eat That Frog" is terrible advice for entrepreneurs, and why most businesses are accidentally destroying their best people by trying to fix them.If you're a business owner, a parent, or someone who's ever been told something is wrong with you — there's a lot here.What You'll LearnWhy "normal" is a fake target — and what Todd Rose's The End of Average reveals about the myth of the average personThe Paul Orfala paradox: the Kinko's founder says "everyone should have dyslexia" — how to hold that alongside the real struggles of learning differencesWhy the survivorship bias argument against neurodiversity as a superpower is actually backwards — and what self-fulfilling prophecies have to do with itHow anxiety tested off the charts for Dave — and why elevated anxiety is what separates your best employees from your worstThe Dunning-Kruger connection: why the most competent people feel the most inadequate, and why that drives performanceWhy "Eat That Frog" creates a frog-eating job — and how to design a business where you never eat frogsWhat Faster Than Normal by Peter Shankman teaches about reframing ADHD as a speed advantage, not a deficitWhy partnering with people strong where you're weak isn't just nice — it's structurally necessary for neurodiverse entrepreneursThe real reason business owners burn out — and why it has nothing to do with how much work they're doingHow Dave's "affiliation" principle works in practice — the insurance agent story that almost ended in a firing and became a case studyWhy the first thing most schools, therapists, and managers do — focus entirely on weaknesses — is the exact wrong approachWhat the StrengthsFinder philosophy gets right that most management training missesBooks & Resources Referenced

Cody thinks he can easily mount a horse, Jon disagrees... ---------- TalkSports is LIVE Weekdays from 8-11 a.m. on Fox Sports Knoxville/ Fanrun Radio. Check Out our Socials: "@FOXSportsKnox" on Twitter/X, "FanrunSports" on Instagram and Youtube Jon- @Jon__Reed on "X" Cody- @Cody__McClure on "X" Sam- @_beard11 on "X" Bubba- @BrandonShown on "X"

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Another drop in mortgage rates in the U.S. AP correspondent Alex Veiga has the latest.

Heart-shaped boxes and gas masks: The ultimate horror summit starts NOW! ❤️⛏️ Welcome to Season 4, Episode 4 of The Average. Tonight, we are skipping the corporate romance and descending into the gritty, blue-collar mines of Valentine Bluffs to break down the 1981 cult masterpiece: MY BLOODY VALENTINE. We are incredibly humbled to be joined by a powerhouse panel of horror creators to discuss the lasting impact, the infamous censorship battles, and the legendary legacy of Harry Warden. Joining Johnathan and Tim in the booth tonight:

STS Podcast Clips: https://youtube.com/@STSclips69?si=P9EymHBq5ORzJU8L----------------------------------------------------------------------ParunBelHomme: https://youtube.com/@parunbelhomme?si=Px9GujhDPbCgvKV_----------------------------------------------------------------------J_C_Hunt: https://youtube.com/@j_c_hunt?si=djJt8PPbTAIhTXUS----------------------------------------------------------------------Inside Parallax IG: https://www.instagram.com/inside_parallax?igsh=dXp6aTN1bTZnMHhj----------------------------------------------------------------------Discord: https://discord.gg/ayT8n4Z8DM----------------------------------------------------------------------Hoodlum_Actual IG: https://instagram.com/hoodlum_actual?igshid=MmVlMjlkMTBhMg==---------------------------------------------------------------------Other IG: https://www.instagram.com/sts_hoodlum_actual?igsh=aGo0cGZwMWRvdnps———————————————————----------------------------Adam's post nuke NEW IG: https://www.instagram.com/slvrtacofrommi?igsh=MXE0Y3k2bXNzNndrNA==----------------------------------------------------------------------Other IG: https://www.instagram.com/sts.adam?igsh=MW1tazVhZTZtMnlmNA==---------------------------------------------------------------------Chris IG: https://www.instagram.com/sts.chris1?igsh=aWUzbTk4Z2g3b2pp

Astros rebuild soon? Average pitcher joe kelly still sad and upset Real Madrid celebration controversy Guest Glenn Davis (Soccer Matters) talks World Cup

“Send Coach John a message”I came across a quote that really connected with what I've been drawn to a lot lately. It's from Seek Wiser (@SeekWiser_) and it reminds us about this:  “Great minds discuss ideas. Average minds discuss events. Small minds discuss people.” - Eleanor Roosevelt.  Now, this has made me think about how great minds talk about ideas and things to make things better for others and themselves. To solve problems. To come up with inspiration to help others. Average minds talk about the weather. Events that may be popular and even important on some levels, but they don't pull out any lessons from those events to make things better. Small minds - they just love to point out faults of others. To “arm-chair” quarterback, always saying they could do better than so and so in charge, but in reality - they don't do much to help out or to solve problems. They gossip a lot. I've been all three types - all throughout my life, heck … even yesterday I was all three. I know I need to strive to be more of a great mind for sure.  We have way too many “small minds” around us. Don't believe me? Just watch the news a bit to see them and look around online too.The other thing that came up in this discussion was from Mindful Maven (@mindfulmaven_) - where this was shared: “It's a full time job to believe in yourself. No off days!” This goes hand in hand with raising the bar for ourselves and working towards having a great mind for sure!  Thanks for listening.  Please take a few moments to subscribe & share this with someone, also leave a 5 Star rating on Apple Podcasts and ITunes or other services where you find this show.  Find me on Facebook:  https://www.facebook.com/coachtoexpectsuccess/   on Twitter / “X”:  @coachtosuccess   and on Instagram at:  @coachjohndaly  - My YouTube Channel is at: Coach John Daly.   Email me at: CoachJohnDalyPodcast@gmail.com     You can also head on over to https://www.coachtoexpectsuccess.com/ and get in touch with me there on my homepage along with checking out my Top Book list too.  Other things there on my site are being worked on too.  Please let me know that you are reaching out to me from my podcast.  ** I would appreciate anyone to try clicking on the top of the show notes where it says "Send us a text" to leave a few thoughts / comments / questions.  It's a new feature that I'd like to see how it works. **

Chad shares new data about the average price of a new vehicle today and how that, along with the high prices of homes today, makes it seem impossible for young people or low income individuals to achieve the American dream.

California drivers are feeling the squeeze as gas prices surge nearly 40 cents in just two weeks, driven by major refinery closures that are tightening the state’s already limited fuel supply. With the statewide average now hovering around $4.58 per gallon, Californians are paying far more than the national average of about $2.92. The wind‑down of Valero’s Benicia refinery and the closure of Phillips 66’s Los Angeles facility have left the state with only six operating refineries, amplifying volatility and pushing prices sharply upward. Also, Karoline Leavitt talks gas prices during the White House press briefing. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | InstagramSee omnystudio.com/listener for privacy information.

On this afternoon's Claret & Brew episode, Dan Rolinson, Mat Kendrick and John Townley (nice of you to join us) are reacting to YOUR Aston Villa unpopular opinions.

We were not designed for average-Prayerhttps://lifemotivationdaily.blogspot.com/

The FBI is increasing its reward to $100,000 for information leading to the location of Nancy Guthrie or an arrest. They described the suspect seen in doorbell footage as a 5'9” - 5'10” tall male with an average build. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Donny dares Bob to eat a worm. What a nightmare! Or is it? Average Boy has to figure out how to save the day and encourage a new girl in town named Maeve. While Bob begins this episode like a Jenga tower during an earthquake—a little shaky—he ends with his feet on solid ground. You also won’t want to miss a listener from Australia who asks a question . . . and a riddle. Click here to see the new Average Boy book title and cover! Click here to visit the Average Boy Store to gain access to books, devotionals, subscriptions to Clubhouse Magazine, and much more! We'd love to hear from you! Visit our Homepage to leave us a voicemail. If you enjoyed listening to The Official Average Boy Podcast, please give us your feedback.

The FBI just released new details about the man seen in the doorbell camera video at Nancy Guthrie's home on the night she vanished. Plus, new details about the Goldman Sachs executive and former Obama White House lawyer who Jeffrey Epstein once called his great defender.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week Micah and Brad go over all the news from last week's Direct, discuss Pokémon's 30th anniversary, rumors about a new 3D Mario, and more! Please keep in mind that our timestamps are approximate, and will often be slightly off due to dynamic ad placement. 0:00:00 - Intro0:33:25 - Last Week's Nintendo Direct Recap1:28:07 - Pokemon 30 website1:30:38 - New clip from The Super Mario Galaxy Movie1:32:00 - Rayman is getting an HD version1:34:15 - What We're Playing1:44:17 - New Direct and 3D Mario Rumors1:47:05 - Closing Questions Learn more about your ad choices. Visit podcastchoices.com/adchoices