Podcasts about calculate

Tariffs killed Carl's investment portfolio and left him wondering if he should claim Social Security early. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for him today on Your Money, Your Wealth® podcast number 531. Kelly and Steve in Pennsylvania ask for a three-fer spitball - when to claim their Social Security, whether they should contribute to Roth or convert to Roth for that lifetime tax-free growth on their investments, and if they're on track for Kelly to retire in three years. Free financial resources & episode transcript: https://bit.ly/ymyw-531 CALCULATE your free Financial Blueprint WATCH The Retirement Course: Can You Hit a Hole in One? on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:21 - Tariffs Killed My Portfolio. Should I Claim Social Security Early? (Carl) 10:14 - Watch The Retirement Course: Can You Hit a Hole in One? on YMYW TV, Calculate your free Financial Blueprint 11:13 - When Should We Claim Social Security? Roth Contributions or Conversions? Are We On Track for Retirement? (Kelly & Steve) 25:00 - Download the Key Financial Data Guide, YMYW Podcast Outro

Is There a Calculation?

What should you do when the asset allocation of your retirement portfolio drifts? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on rebalancing for DJ in St. Louis, today on Your Money, Your Wealth® podcast number 530. Plus, Coach Dobber in Minnesota is curious about municipal bonds in a brokerage account, and Daniel in Stevensville, Michigan needs details on emergency funds. Also, can Tim the Enchanter do a Roth conversion and avoid the nasty big pointy teeth of capital gains tax? And, Duke in upstate New York told his wife they need 6 million dollars in retirement, and she said he was silly. What say Joe and Al? We'll find out. Free financial resources & episode transcript: https://bit.ly/ymyw-530 ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Rebalancing Asset Allocation of US Stocks, International Stocks, and Bonds (DJ in St Louis) 07:21 - Can I Do a Roth Conversion and Have No Cap Gains Tax? (Tim the Enchanter, FL) 15:44 - Watch Financial Planning at Every Age on YMYW TV, Download the Retirement Readiness Guide for free 16:41 - Municipal Bonds in a Brokerage Account: Good Idea? (Coach Dobber, MN) 22:48 - Told My Wife We Need $6M to Retire in 20 Years. She Say's I'm Silly. (Duke, upstate NY) 27:09 - Calculate your Free Financial Blueprint, Schedule your Free Financial Assessment 28:54 - What Is an Emergency Fund and How Much Should I Have in It? (Daniel, Stevensville, MI) 36:00 - YMYW Podcast Outro

SPONSOR: Direct Bullion. Download your free Guide to Gold Pensions Now. (plus get a special bonus).CLICK HERE NOW: https://robmoore.directbullion.com Rob reveals his formula for early retirement based on his own experience of retiring three times! Rob shares his ICE investment framework, debunks common retirement myths and explains why a million pounds isn't enough anymore. KEY TAKEAWAYS Setting your retirement number is essential. Calculate how much annual income you want, double it for tax, then determine what capital sum would generate this. But remember, inflation will erode this over time. The best investment strategy combines income, capital and equity (ICE). Property and well run businesses offer all three elements, while other investments like gold or Bitcoin usually provide only one or two. Keep your largest expenses (housing, transportation, travel) as low as possible for as long as possible while investing heavily, rather than obsessing over small daily purchases. Continuously reinvesting profits rather than drawing income dramatically speeds up compounding, your capital pot grows faster, generating more income over time, protecting your wealth from both market volatility and your own spending habits. The fastest way to reach your retirement number is through business ownership which has the highest risk but greatest control. Property provides the most reliable passive income once you retire (combining income, capital appreciation, and equity potential). BEST MOMENTS "I retired at 29, not even a week, went on a week's holiday. My business partner was like, the world is fucked. Get back. I was bored anyway on the ski holiday." "You don't save for retirement. You plan for retirement. The only source of income from the government is taxation and you are the source of taxation, the only source of money from the banks, the savers, and the depositors, which is you." "You can never save your way to wealth. Savers are losers. Savings are degrading. The only way you can ever get rich is investing, either investing your time into your own company or investing your money into assets." "Warren Buffet says, well, everyone doesn't like it when their stock goes down. I love it when my stock goes down 'cause I just buy more." "Most people, when they're doing really well, they just spend it and waste it. But you wanna be planning for the rainy days, the lower days." "To get to your retirement age or number quicker, it's a business. But to retire, it's a property portfolio." VALUABLE RESOURCES https://robmoore.com/ bit.ly/Robsupporter https://robmoore.com/podbooks rob.team ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur” “If you don't risk anything, you risk everything” CONTACT METHOD Rob’s official website: https://robmoore.com/ Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979 See omnystudio.com/listener for privacy information. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Stop waiting for the perfect property and start building wealth now through rentvesting - the strategy that's changing how Australians enter the property market. Rentvesting turns traditional property ownership on its head. While your parents might have laughed at the idea of paying someone else's mortgage instead of your own, today's financial landscape makes this approach surprisingly powerful. By purchasing an investment property (anything to get into the market) while renting where you actually want to live, you can start building equity years before you might afford your dream home.We break down exactly why this makes mathematical sense: a $500,000 studio apartment growing at 10% annually generates $50,000 in equity compared to saving just $5,000 extra per year while waiting. The numbers become even more compelling with today's interest rates - a $3 million home in Freshwater could cost $6,000 weekly in mortgage payments but rent for just $2,000! As tenants, you also avoid maintenance headaches, council rates, strata fees and repair costs.For first home buyers, we dispel myths about grant requirements and explain the multiple financial assistance programs available, including using your super for deposits and avoiding Lenders Mortgage Insurance with smaller deposits. Stop letting perfect be the enemy of progress - the property market waits for no one, and the sooner you're in, the faster you'll build wealth. Ready to explore if rentvesting could work for you? Calculate what you can buy today, compare potential rental income to mortgage costs, and witness how this strategy could accelerate your property journey.

John in Boston is in the 32% tax bracket. Should he do Roth conversions? Flight Deck Dad and Irish Girl in Pensacola have a lot of tax-free pension income. Should they do Roth conversions? Bert and Ernie in New Jersey wonder if they should convert to Roth or take advantage of zero percent capital gains tax rates. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for all of them today on Your Money, Your Wealth® podcast number 529. Plus, Michael and his wife in Bellevue are 34, in the 24% tax bracket and wonder if they should contribute to tax-free or tax-deferred accounts, and if they should slow down on retirement savings and start a bridging account for the years between when they want to punch the clock in their early to mid-50s, and when they can access their retirement savings. Then, for something completely different, Frenchie from Maine writes back in: What are the disadvantages to paying off her mortgage ASAP, and what's the tax efficiency of a money market compared to bond funds? Free financial resources & episode transcript: https://bit.ly/ymyw-529 WATCH How to Break Through Retirement Barriers on YMYW TV CALCULATE your Free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - We're in the 32% Tax Bracket. Should We Do Roth Conversions? (John, Boston, MA) 06:19 - We Have Large Tax-Free Pension Income. Should We Do Roth Conversions? (Flight Deck Dad & Irish Girl, Pensacola, FL) 16:03 - Watch How to Break Through Retirement Barriers on YMYW TV, Calculate your free Financial Blueprint 16:52 - Should We Do Roth Conversions or Take Advantage of 0% Capital Gains Tax? (Bert & Ernie, NJ) 25:53 - In the 24% Bracket. Should We Contribute to Tax-Free or Tax Deferred Accounts? (Michael, Bellevue, WA) 29:49 - Schedule a Free Financial Assessment at any of Pure Financial Advisors' 12 nationwide locations or online 31:04 - Disadvantages to Paying Off the Mortgage ASAP? Tax Efficiency of Money Market vs. Bond Funds? (Frenchie, ME) 36:23 - Outro: Next Week on the YMYW Podcast

Imagine being able to pop a few simple numbers into a pricing and profit calculator and instantly see things like your hourly labour rate, breakeven point, overheads, how much to charge for a job, and what your gross and net need to be…No more winging it, no more guessing, and no more losing money because you priced a job too low.In this powerful episode, I break down the key numbers every trades business owner needs to understand, and how you can get access to our Profit and Pricing Calculator.WHAT YOU WILL LEARN AND KEY ACTIONS FROM THIS EPISODE:1. How to work out the true cost of employing staff 2. The numbers you need to calculate your hourly rates3. Discover how to work out your Gross and Net profit margins4. Learn how to price your jobs correctly and increase profit margins5. Use our profit and pricing calculator to get all your numbers in minutes Listen now and learn this step by step pricing strategy. BECOME A MEMBER: Join our ⁠⁠⁠⁠⁠⁠Growth Club and get instant access⁠⁠⁠⁠⁠⁠ to live marketing training, business coaching, courses and a thriving community of professional trades. Guaranteed to help you to achieve time and financial freedom. JOIN OUR FACEBOOK GROUP: Join our free and thriving ⁠⁠⁠⁠⁠⁠Facebook group and community ⁠⁠⁠⁠⁠⁠APPLY TO JOIN OUR INNER CIRCLE: Apply to join our 12-month ⁠⁠⁠⁠⁠⁠business and marketing coaching programme ⁠⁠⁠⁠⁠⁠WHO WE HELP AND SUPPORTAt the Trades Freedom Club, we help tradesmen and tradeswomen such as Plumbers, Heating Engineers, Electricians, Renewable Energy, Plasterers, Builders, Joiners, Roofers, Flooring, HVAC, Glazing, Scaffolders, CCTV, Security companies and Sub Contractors to build, grow and scale their trades or construction businesses.

When making offers on distressed properties, most new wholesalers have no idea how to accurately calculate the cost of repairs and either guess or they spend way too much time trying to figure it out. If you underestimate the cost of repairs, you could overpay and contract a bad deal, which is a common mistake many wholesalers make.FREE Deal Analyzer Software:http://MyDealAnalyzer.comThis podcast was originally released on YouTube. Check out Jerry Norton's YouTube channel, with over 2,700 videos on all things wholesaling and flipping!  https://www.youtube.com/c/FlippingMasteryTVAbout Jerry Norton Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate.    **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.com or (888) 958-3028.Get Access to Unlimited Free Property Searches and Downloads: https://flippingmastery.com/propwireWholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals: https://flippingmastery.com/10kpodGet 100% funding for your deals: https://flippingmastery.com/fspodMentoring Program: https://flippingmastery.com/ftpodFREE 8 Week Training Program: https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry: https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kit https://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit: https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool: https://flippingmastery.com/dcpodFREE Wholesaler Contracts: https://flippingmastery.com/wcpodFREE Comp Tool: https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts: https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook: https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook: https://flippingmastery.com/ebpodFREE Rehab Checklist: https://flippingmastery.com/rehabpod LET'S CONNECT! FACEBOOK http://www.Facebook.com/flippingmastery INSTAGRAM http://www.instagram.com/flippingmastery

Stop Guessing Your Calories! Figure Out Your Daily Calories For Losing Fat (Step-by-Step)Tired of guessing how many calories you should eat to lose fat, gain muscle, or just feel good again? You're not alone—and the good news is, you don't have to guess anymore.In this video, I'm walking you through the exact calorie calculation method I use with the women over 40 I coach through my online fitness and nutrition program. Whether your goal is fat loss, muscle gain, or body recomposition, I'll show you how to do it in a smarter, more sustainable way—without extremes or confusion.You'll learn how to calculate your Resting Metabolic Rate (RMR), factor in daily movement (NEAT) and exercise activity (EAT), and determine your Total Daily Energy Expenditure (TDEE)—so you can set your calories with confidence and finally see results.✅ Step-by-step calorie calculation✅ Real client example to follow along✅ RMR and TDEE explained clearly✅ How to set calories for fat loss, muscle gain, or recomp✅ Why women over 40 need a different approachIf you're ready to take the guesswork out of your nutrition and start making real progress, this video is your starting point.Looking for a personalized calorie plan designed just for you?Learn more about my Online Personal Training for Women Over 40:https://julielohre.com/online-personal-training/FOLLOW ME

Your next big career move won't happen by accident. Want insider strategies top performers use to dominate their fields? Click here fields.https://www.5minutecareerhack.com/careerpowerplay1Ready to stop applying and finally secure the job you want? This week, I'll tell you straight up where the opportunities reside: Resource Optimization.Forget taking on endless projects. The highest-paid professionals in 2025 are masters of doing more with less. This episode provides a clear, two-step process to leverage this powerful approach: building your "more with less" portfolio and creating your Resource Impact Dashboard.Learn exactly how to:➟ Document even small efficiency improvements that have a big impact.➟ Calculate resource savings in tangible terms (time, money, headcount).➟ Map your efficiency gains directly to company objectives.➟ Visualize the long-term and scaled impact of your optimizations.Don't let your valuable contributions remain invisible! Start implementing these actionable steps today to stand out, demonstrate your strategic value, and position yourself for significant career advancement and higher compensation (check out the free salary negotiation course! https://www.5minutecareerhack.com/negotiationcourse).V I D E O S T O W A T C H N E X Thttps://www.youtube.com/watch?v=jCBFYSWyUE0&list=PL65BoZPbF6nLqF6SARdi4ghVyTd8lgEHz&index=2https://www.youtube.com/watch?v=e9U5E_24naE&list=PL65BoZPbF6nJ2Rua4FZcekQeYVB4tE4SZ&index=1&t=1s

Send us a textHave you ever stopped to wonder why you're getting paid, yet never seem to have enough cash flow at the right time during construction?

In this episode, Jeffrey discusses a method for service costing. Each week, Jeffrey will be sharing his knowledge on Service Delivery (Mondays) and Service Management (Thursdays). Jeffrey is the founder of Service Management Leadership, an IT consulting firm specializing in Service Management, Asset Management, CIO Advisory, and Business Continuity services.  The firm's website is www.servicemanagement.us.  Jeffrey has been in the industry for 30 years and brings a practical perspective to the discussions. He is an accomplished author with seven acclaimed books in the subject area and a popular YouTube channel with approximately 1,500 videos on various topics.  Also, please follow the Service Management Leadership LinkedIn page.

What are the pros and cons if Chip uses the money in his taxable brokerage account for early retirement income? Jack and Sally ask Joe and Big Al to spitball on whether they can retire around age 55 or 60, and whether they should max out their Roth or convert to Roth, today on Your Money, Your Wealth® podcast 527 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, April and Andy ask the fellas to spitball on their dividend investing strategy, and Don wonders if a separately managed account (SMA) makes sense for his taxable account. (We'll also find out what an SMA is.) Free financial resources & episode transcript: https://bit.ly/ymyw-527 CALCULATE your free Financial Blueprint DOWNLOAD The Withdrawal Strategy Guide for free DOWNLOAD 10 Steps to Improve Investing Success for free WATCH Your 11-Step Path to Financial Freedom on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:52 - Pros and Cons of Using a Taxable Brokerage Account for Early Retirement Income? (Chip Skylark, Dimsdale) 13:24 - Watch Your 11-Step Path to Financial Freedom on YMYW TV, Calculate Your Free Financial Blueprint 14:27 - Is My Dividend Investing Strategy Missing Anything? (Andy & April, Knoxville, TN) 25:02 - Can I Retire Between Ages 55-60? Should I Max Out Roth Contributions, or Convert to Roth? (Jack & Sally, NC) 31:18 - Download the Withdrawal Strategy Guide and 10 Steps to Improve Investing Success for Free 32:03 - Does a Separately Managed Account (SMA) Make Sense for My Taxable Account? (Don, IA) 40:46 - Next Week on the YMYW Podcast

Scott and Wes break down the tricks and techniques for making your app feel blazing fast—even when it's not. From optimistic UI to preload-on-hover, it's all about perception, not just performance. Show Notes 00:00 Welcome to Syntax! 01:12 Brought to you by Sentry.io. 02:34 Mousedown or pointerdown events. 06:00 UI animations should be fast. 08:00 Animations should not block interaction. 08:20 Animations should be cancellable / reversible. 10:50 Optimistic UI. 12:37 Local Data. 13:36 Delay loading indicators. 14:40 Page loading indicators. 15:47 Preload on hover. 17:13 Calculate mouse trajectory. 18:51 Full page spinner on every change. 20:04 Pixelated spinners. 20:23 Skeleton loaders. 23:43 Photo frames. 25:52 Search on input instead of search on click. 26:46 Progress loaders than move in between steps. 27:31 Community submissions. Hit us up on Socials! Syntax: X Instagram Tiktok LinkedIn Threads Wes: X Instagram Tiktok LinkedIn Threads Scott: X Instagram Tiktok LinkedIn Threads Randy: X Instagram YouTube Threads

Want to know how to gauge the success of a potential real estate investment? In this episode, I'm going to uncover the cornerstone of investing -  how to calculate the return on a real estate investment. Join Our Investor Club: https://rebrand.ly/gdbh690 This episode was originally released on January 12, 2024. 

⚖️ How to Handle a Divorce When Children Are Involved? | Los Angeles Divorce

Being Childfree comes with its own set of financial rules—so does that mean life insurance is off the table? In this episode, we dive into whether Childfree individuals actually need life insurance, uncovering scenarios where it might make sense (hint: it usually doesn't!).We explore why term life insurance could be valuable if others truly rely on your income—like a disabled spouse, dependent parents, or business partners—and caution against costly traps like whole life or universal policies often pushed by commission-based agents. You'll learn why mixing investment with insurance rarely pays off, and why working with a fee-only financial planner is crucial.We'll also help you evaluate existing policies, figure out if you're over-insured, and determine when employer-provided life insurance makes sense.Action Items:✅ Review existing life insurance policies to assess their necessity.✅ Consult a fee-only financial planner for personalized guidance.✅ Check the specifics of your employer-provided coverage.✅ Calculate your actual financial obligations before considering any new policy.Tune in to confidently navigate life insurance decisions without kids—no unnecessary coverage, just smart protection! The Childfree Wealth Podcast, hosted by Bri Conn and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of childfree individuals and couples. Like the show? Leave us a rating & review! If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com! Join our newsletter HERE. Schedule a meeting with a Childfree Wealth Specialist® HERE. Instagram: @childfreewealth Facebook: @childfreewealth LinkedIn: @childfree-wealth YouTube: @ChildfreeWealthPodcast Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

The allure of high dividend yields such as those offered by YieldMax ETFs can be very appealing, but do you really need that much yield? To help you figure out the optimal dividend yield you should target I have built a custom optimal dividend yield calculator in google sheets.You can grab a free copy of the spreadsheet using the link below.quality-at-a-fair-price.kit.com/yieldNewsletter: https://qualityatafairprice.substack.com/Patreon: https://www.patreon.com/LongacresFinanceDisclaimer: This video is intended for entertainment purposes only and should not be taken as investment advice.

SHOW NOTES: Today we're learning about how to calculate your estimated due date and your estimated gestational age so that you can know for yourself when your "guess date" is of when your baby will be joining your family!   Resource - Perinatology.com   Helpful Links: — BIBLE STUDY - FREE Bible Study Course - How To Be Sure Of Your Salvation - https://the-ruffled-mango-school.teachable.com/p/how-to-be-sure-of-your-salvation   — CHRISTIAN CHILDBIRTH EDUCATION - Sign up HERE for the Your Birth, God's Way Online Christian Childbirth Course! This is a COMPLETE childbirth education course with a God-led foundation taught by a certified nurse-midwife with over 20 years of experience in all sides of the maternity world! - https://go.yourbirthgodsway.com/cec   — HOME BIRTH PREP - Having a home birth and need help getting prepared?  Sign up HERE for the Home Birth Prep Course. — homebirthprep.com   -- COACHING - Sign up for your PERSONALIZED Pregnancy Coaching Midwife & Me Power Hour HERE  — https://go.yourbirthgodsway.com/powerhour These consults can include: birth plan consultation, past birth processing, second opinions, breastfeeding consultation, and so much more!  Think of it as a special, one-hour appointment with a midwife to discuss whatever your concerns may be without any bias of practice policy or insurance policy influencing recommendations.   — GET HEALTHY - Sign up here to be the first to know about the new Women's Wellness Program coming from Lori SOON! https://go.yourbirthgodsway.com/yourhealth   — MERCH - Get Christian pregnancy and birth merch HERE - https://go.yourbirthgodsway.com/store   — RESOURCES & LINKS - All of Lori's Recommended Resources HERE - https://go.yourbirthgodsway.com/resources   Sign up for email updates Here   Be heard! Take My Quick SURVEY to give input on future episodes you want to hear -- https://bit.ly/yourbirthsurvey   Got questions?  Email lori@yourbirthgodsway.com     Social Media Links: Follow Your Birth, God's Way on Instagram! @yourbirth_godsway Follow the Your Birth, God's Way Facebook Page! facebook.com/lorimorriscnm Join Our Exclusive Online Birth Community -- facebook.com/groups/yourbirthgodsway   Learn more about Lori and the podcast at go.yourbirthgodsway.com!   DISCLAIMER:  Remember that though I am a midwife, I am not YOUR midwife.  Nothing in this podcast shall; be construed as medical advice.  Listening to this podcast does not mean that we have entered into a patient-care provider relationship. While I strive to provide the most accurate information I can, content is not guaranteed to be 100% accurate.  You must do your research and consult other reputable sources, including your provider, to make the best decision for your own care.  Talk with your own care provider before putting any information here into practice.  Weigh all risks and benefits for yourself knowing that no outcome can be guaranteed.  I do not know the specific details about your situation and thus I am not responsible for the outcomes of your choices.    Some links may be affiliate links which provide me a small commission when you purchase through them.  This does not cost you anything at all and it allows me to continue providing you with the content you love.  

If you love words, you probably love reading, too. READOMETER help you plan your reading better. The post CALCULATE YOUR READING POTENTIAL! appeared first on sound*bytes.

Want to lose 20 pounds without slowing your metabolism or sacrificing muscle? In this episode Chalene Johnson dives into a science-backed strategy that skips the quick-fix diets and focuses on doing it the right way. You'll learn how to use AI tools to create a personalized plan that fits your lifestyle and goals. Plus, find out how to burn more fat with small daily changes—no extra workouts required. If you're ready for lasting results, don't miss this one.

In this episode, Chris William breaks down a simple, no-nonsense approach to figuring out how many calories you should be eating to lose fat, build muscle, or maintain your current weight. Learn the easiest way to calculate your needs, what factors to consider, and how to adjust over time for continued progress. Simplifying better health. For more FREE straightforward, no-nonsense advice

Listen LIVE weekdays 9am-10am EST on Turf's Up Radio.

Managing manure may not be glamorous, but it can be a key player in your nutrient management plan. Unpack the nutrient value of manure in this episode of The Dirt. From what your soil says about manure management to the benefits and drawbacks, we explore it all to help you uncover its true value in your fields.   What's the difference between dry and liquid manure? How much manure can you apply? How is manure stored throughout the season? How does composting support manure management? Uncover the dirt truth about manure in this episode of The Dirt featuring Penn State University professors, Robert Meinen and Charles White.   Calculate the economic value of manure today at www.extension.psu.edu/manure-nutrient-value-calculator.   Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com   Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

In this insightful episode of Building Better Developers, hosts Rob Broadhead and Michael Meloche tackle a key theme for entrepreneurs: transitioning from a flexible side hustle to building a sustainable business. The conversation is rooted in experience, realism, and the kind of long-term thinking that separates temporary income from lasting impact. The Mindset Shift: From Side Hustle to Building a Sustainable Business Many great businesses begin as side projects, but success requires more than passion. Rob and Michael clarify that building a sustainable business means thinking strategically about growth, team structure, and value delivery.

Managing manure may not be glamorous, but it can be a key player in your nutrient management plan. Unpack the nutrient value of manure in this episode of The Dirt. From what your soil says about manure management to the benefits and drawbacks, we explore it all to help you uncover its true value in your fields.   What's the difference between dry and liquid manure? How much manure can you apply? How is manure stored throughout the season? How does composting support manure management? Uncover the dirt truth about manure in this episode of The Dirt featuring Penn State University professors, Robert Meinen and Charles White.   Calculate the economic value of manure today at www.extension.psu.edu/manure-nutrient-value-calculator.   Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com   Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

Managing manure may not be glamorous, but it can be a key player in your nutrient management plan. Unpack the nutrient value of manure in this episode of The Dirt. From what your soil says about manure management to the benefits and drawbacks, we explore it all to help you uncover its true value in your fields.   What's the difference between dry and liquid manure? How much manure can you apply? How is manure stored throughout the season? How does composting support manure management? Uncover the dirt truth about manure in this episode of The Dirt featuring Penn State University professors, Robert Meinen and Charles White.   Calculate the economic value of manure today at www.extension.psu.edu/manure-nutrient-value-calculator.   Looking for the latest in crop nutrition research? Visit nutrien-ekonomics.com   Subscribe to our YouTube channel: https://www.youtube.com/@NutrieneKonomics

Did you hear the episode where Sarah told her client they needed 70% product margins? Were you curious why it was so much higher than the usually recommended 51%?  In this episode, Sarah pulls back the curtain on how she determines the right product margins for different food businesses, and guides you to finding yours.  She reveals where your P&L is hiding crucial information and walks through her "orange slice" method for visualizing what's really happening with the revenue you earn. You'll learn the importance of separating “core COGS” from “other COGS”, why so many people talk about  “contribution margin”, what it is and the role it plays in determining your product margins.  Through a real case study, Sarah demonstrates how breaking down these numbers guides you to your perfect product margins.  This episode is your roadmap to financial clarity. Get ready to see your numbers in a whole new way! Join The Good Food CFO Community:  Follow us on Instagram: @thegoodfoodcfo  Connect on LinkedIn: @sarahdelevan  Watch on YouTube: @thegoodfoodcfo  Become a Member: BABOYOT  

In this solo episode of the Female Athlete Nutrition Podcast, host Lindsey Elizabeth Cortes, a seasoned sports dietitian, discusses the importance of protein intake for female athletes. Lindsey covers how to determine if you're consuming enough protein by outlining five practical tips, ranging from understanding protein sources to tracking your intake. This episode includes easy-to-follow calculations and emphasizes the importance of balanced nutrition for optimal performance and recovery. Essential listening for any female athlete looking to optimize their nutrition and performance.Episode Highlights:01:32 How to Calculate and Track Protein Intake04:01 Expanding Content and Collaborations06:25 Understanding Protein Sources06:59 Five Tips to Ensure Adequate Protein Intake07:07 Identify your protein sources09:25 Eat protein at every meal11:04 Calculate your protein needs16:30 Track for a few days18:46 Listen to your body20:18 Recap and Final ThoughtsResources and Links Mentioned:Top Priorities for Teen Athlete Nutrition: Grow & Develop Into A Strong Athlete: https://www.lindseycortes.com/post/teen-athlete-nutritionCalculating Protein Requirements for Athletes: How Much Protein Do You Really Need? https://www.lindseycortes.com/post/protein-requirements-athletesFor more information about the show, head to work with Lindsey on improving your nutrition, head to:http://www.lindseycortes.com/

There is nobody working on this project that wants to listen to actual experts. They're like college freshmen realizing they have a term paper due in the morning and have to come up with something fast

Seamus McGrath, Fianna Fáil TD for Cork South–Central; John Brady, Sinn Féin TD for Wicklow; Sinead Gibney, Social Democrats candidate for Dublin Rathdown; Gráinne Ní Aodha, Dublin Reporter with PA Media

In this solo episode, Alex Quin guides you through a hands-on exercise to break down your dream lifestyle—everything from the house and car to vacations, fitness, and more—and map it into a realistic monthly budget. Alex explains how to compare your current income to your dream life cost, calculate the income gap, and create a step-by-step plan to close it. This episode blends mindset, strategy, and action to help you stop guessing and start planning with precision.▶️ Pro Tip: Watch the full episode on YouTube to follow along with the spreadsheet on-screen.Access HIH 2025 Dream Life Budget [https://docs.google.com/spreadsheets/d/1CGVIUTPhzK_nAxsNkUv28jC6g7jUzUwKWuNEySO75NE/edit?usp=sharing]Episode Outline[00:00:00] Intro and episode overview[00:01:05] Why visualizing your dream life matters[00:02:40] Step 1: Define your ideal lifestyle[00:06:30] Step 2: Build your dream life budget[00:10:55] Step 3: Calculate the income gap[00:13:45] Step 4: Close the gap with real strategies[00:18:40] Step 5: Set a timeline and track progress[00:21:15] Tools and spreadsheet access[00:22:30] Final thoughts and action planWisdom NuggetsDream Life Math > Daydreaming: Don't just imagine your ideal life—do the math. Assigning real costs to your dream helps turn it from fantasy into a strategic goal.Reverse Engineer Your Income Goals: Work backwards. Once you know what your dream life costs, calculate how much you need to earn daily or monthly to reach it.Build Multiple Income Streams: Relying on one income source can slow you down. Consider freelancing, digital products, or investments to boost your income.Learn Skills That Print Money: Skills like digital marketing, sales, and coding can quickly increase your income. Stay current, especially with tech and automation.Track or Stay Stuck: If you don't track your goals with a realistic timeline, you'll lose focus. Measure progress weekly or monthly to adjust your strategy.Power Quotes:“When you assign a real price tag to these things, your life stops being a fantasy.” - Alex Quin“You can't work towards something if you don't know what it actually costs.” - Alex Quin“Your dream life isn't far—it's just uncalculated.” - Alex QuinConnect With the Podcast Host Alex Quin:Instagram: (https://www.instagram.com/alexquin)Twitter: (https://twitter.com/mralexquin)LinkedIn: (https://www.linkedin.com/in/mralexquin)Website: (https://alexquin.com)TikTok: (https://www.tiktok.com/@mralexquin)Our CommunityInstagram:(https://www.instagram.com/hustleinspireshustle)Twitter: (https://twitter.com/HustleInspires)LinkedIn: (https://www.linkedin.com/company/hustle-inspires-hustle)Website: (https://hustleinspireshustle.com)*This page may contain affiliate links or sponsored content. When you click on these links or engage with the sponsored content and make a purchase or take some other action, we may receive a commission or compensation at no additional cost to you. We only promote products or services that we genuinely believe will add value to our readers & listeners.*See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Misschien moet ik eens ophouden met die "click bait" titels, nietwaar? Maar hoe dat ook zij, een recente waarneming schudt ons begrip van de evolutie van het heelal weer eens flink door de war. Voor wie denkt dat astronomen daar ongelukkig van worden: integendeel! "Inching forward, ever so slowly" is wat wetenschap is.Cosmic Reionization:https://webbtelescope.org/contents/media/images/2020/37/4697-ImageWitnessing the onset of reionization through Lyman-α emission at redshift 13:https://www.nature.com/articles/s41586-025-08779-5Identification and properties of intense star-forming galaxies at redshifts z>10:https://arxiv.org/ftp/arxiv/papers/2212/2212.04480.pdf# Plot z versus leeftijd van het heelal.import numpy as npimport matplotlib.pyplot as pltfrom astropy.cosmology import Planck18from matplotlib.ticker import ScalarFormatter# Array of redshift valuesz_values = np.logspace(-2, 4, 1000)  # From z=0.01 to z=10,000# Calculate the age of the universe at each redshiftage_values = [Planck18.age(z).value for z in z_values]plt.figure(figsize=(10, 6))plt.plot(z_values, age_values, 'b-', linewidth=2)plt.xscale('log')plt.xlabel('Redshift (z)', fontsize=12)plt.ylabel('Leeftijd van het heelal (Gyr)', fontsize=12)plt.title('Leeftijd van het heelal als een functie van redshift (z)', fontsize=14)plt.grid(True, which="both", ls="-", alpha=0.2)plt.gca().xaxis.set_major_formatter(ScalarFormatter())# Mark some important redshiftsimportant_z = [0, 1, 5, 10, 100, 1000]important_ages = [Planck18.age(z).value if z > 0 else Planck18.age(0.001).value for z in important_z]# Annotate the current age of the universe (z=0)plt.scatter([0.01], [Planck18.age(0.01).value], color='red', s=50, zorder=5)plt.annotate(f'Vandaag: {Planck18.age(0).value:.1f} Gyr',              xy=(0.01, Planck18.age(0.01).value),             xytext=(0.02, Planck18.age(0.01).value - 1),             arrowprops=dict(arrowstyle='->'))# Some other interesting cosmic epochsplt.scatter([7.5], [Planck18.age(7.5).value], color='green', s=50, zorder=5)plt.annotate('Eerste sterrenstelsels (~z=7-10)',              xy=(7.5, Planck18.age(7.5).value),             xytext=(10, Planck18.age(7.5).value + 0.5),             arrowprops=dict(arrowstyle='->'))plt.scatter([1100], [Planck18.age(1100).value], color='orange', s=50, zorder=5)plt.annotate('CMB (~z=1100)',              xy=(1100, Planck18.age(1100).value),             xytext=(500, Planck18.age(1100).value + 0.1),             arrowprops=dict(arrowstyle='->'))# Show the plot with tight layoutplt.tight_layout()plt.show()# Print a table!print("Redshift (z) | Leeftijd van het heelal (Gyr)")print("-------------------------------")for z in [0, 0.1, 0.5, 1, 2, 5, 10, 50, 100, 1000, 1100]:    age = Planck18.age(z).value    print(f"{z:11.1f} | {age:6.3f}")De Zimmerman en Space podcast is gelicenseerd onder een Creative Commons CC0 1.0 licentie.http://creativecommons.org/publicdomain/zero/1.0

Episode Description Are your dreams taking longer to achieve than you expected? In this eye-opening episode, Scott Smith shares a powerful mindset shift that could save you time, money, and heartache on your journey to success. Drawing from his experience with a struggling business client, Scott introduces his "learn, churn, and burn" formula—three critical questions you should answer before embarking on any significant venture. Whether you're growing a business, starting a side hustle, or pursuing any worthwhile goal, understanding your timeline for skill development, commitment, and resource depletion can be the difference between success and disappointment. Scott cuts through the motivational fluff and delivers the "coming of Jesus, kick-in-the-butt" truth about what it really takes to turn dreams into reality. This episode offers practical wisdom to help you create a realistic success timeline and focus your energy on the minimal viable actions that truly move the needle. Featured Story Scott shares the story of visiting a client whose new business was growing slower than expected, causing significant stress as money was running out. Through a series of strategic questions about skill acquisition, commitment timeframes, and resource management, Scott helped the client create a focused plan with a definite timeline. Within a few months, the client reached their goal and has maintained a successful business ever since. Key Takeaways Most people underestimate how long it takes to develop the skills needed for success Setting arbitrary deadlines for achievement often leads to failure Understanding exactly how long your resources will last is crucial for realistic planning The support of family members (especially spouses) is a critical resource often overlooked Creating a clear inventory of your situation allows you to develop a viable action plan It takes far less than most people think to achieve their goals when they focus their energy Any worthwhile project has a better chance of success with realistic process expectations Dreams require specific skill sets and mindsets to be achieved Memorable Quotes "Success is always bigger than failure." "It takes far less than you think to get what you want." "Any worthwhile project stands a far better chance of success if you are realistic about the process before you ever get started." Scott's Three-Step Approach Calculate your skill timeline: Honestly assess how long it will take you to learn the specific skills necessary for your particular goal or venture. Determine your commitment threshold: Decide exactly how long you're willing to "churn and work" at your goal before reaching your breaking point. Inventory your burn rate: Calculate precisely how long your resources (money, credit, favors, family support) will last, then create a minimal viable action plan that fits within these constraints. Connect With Scott Search for The Daily Boost on Apple Podcasts and Spotify. Email: support@motivationtomove.com Main Site: https://motivationtomove.com Face Your Passion: https://www.faceyourpassion.com/ 9-Minute Clarity Code: https://www.9minuteclaritycode.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Good morning, my name is Alberto. I am a Mail Handler for the Postal Service with 40 years of service. Currently, I can carry over 520 hours of annual leave into 2024. I am planning to retire in December 2025. If I don't use any annual leave in 2025, I will accumulate an additional 208 hours. My big question is: will the Postal Service cut me a check for 520 hours or 728 hours? I'm hearing conflicting answers to this question. - Alberto 

Most investors calculate rental income the wrong way—and it's costing them big. Kris Krohn breaks down the real way to calculate rental property cash flow, taking every hidden expense into account. Learn why net numbers matter more than gross and how small mistakes can turn a "great deal" into a disaster. If you want to build real wealth in real estate, you need to do the math right.

Kiera walks listeners through five steps to understanding a profit and loss statement: Know the structure Follow the revenue streams Track your spending Calculate the ratios Set financial goals Episode resources: Sign up for Dental A-Team's Virtual Summit 2025! Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:03.726) Hello, Dental A Team listeners. This is Kiera. And today I just wanted to empower you with, if you're in the boat of struggling to understand your P &L, struggling to understand how to truly master your dental finances, you're not alone. This is common. This is what I'm obsessed with helping dental practices truly understand. And today I want to break it down into five simple steps to give you clarity, control, to really be able to understand your dental practice finances. So today,   I just wanted to let you know that when you understand your PNL, which is a profit and loss statement, it helps you just be able to know which metrics to move to understand how can I actually create better decisions to feel more empowered with my numbers. And so I want you just to know that there's five simple steps that I've learned that I wanted to bring to you to really help you understand this and to this year maybe embody the identity of I am a.   money master or I am a finance master or whatever it is where you really take control because at Dental A Team when we consult our practices we have hundreds of offices and we work virtually we work in person we work one-on-one we work group style but I found that like one of the biggest stressors for dentists is not understanding like how does the money work we understand the dental we don't understand the team per se front office is like I don't know but it's really like where is my money and how do I actually make my money work for me   And so understanding that, what does it mean to be profitable? We have overhead calculators, we have profitability scorecards for you that I really love helping our clients with. But really it's like, let me just break it down into the nuts and bolts. I am not a CPA. I will have that disclaimer out there. I just am going to break it down of like, how do I become a financial master? So today let's break it down into step one is understand the structure of your PNL. So a PNL is broken down into basically like our, our revenue, so our collections, and then our expenses from there.   and then that breaks it down into profit. Now, something that always gets a little funny is debt services. And if we've got loans or student loans or practice loans, sometimes those are associated with our P &L, other times they're not. And what we really care about as owners is cash, right? We want the cashflow, we wanna understand where that's at. And so if you understand that it's broken down into this where we've got money coming in, so those are our collections, we need to make sure our collections sit at 98%. So we produce, we collect money.   Kiera Dent (02:21.654) those collections and then we spend money of our expenses. So payroll, rent, utilities, supplies, all of that paying you as a doctor as well. And then from there we have what's called our profit. And then after that we have our debt services and then that's our cashflow, but also cashflow then there's taxes that come out of it. And I think when you understand that instead of it being like, I don't have any money. We just understand that this is where it goes. And so if we're not tracked, if we're not tracking it, what happens is we're spending money.   We're spending more than we need. Like I had an office and they weren't tracking their supply spend. And so what happened is they were spending about 30,000 a month in one location. They're spending about $5,000 a month in another location. There's a discrepancy, but they didn't even realize that they were having this discrepancy until we started looking at their PNL. So once you start to monitor it, then we can actually get our supplies into more of like a 4 % of total collection. So if we're collecting a hundred thousand, 4 % of that would be $4,000. That's what we're allowed to spend for that month on supplies.   Well, now we have the budget. Now we can get it in alignment. We can actually track it and lean it down. Another officer looking at their P &Ls are doing it. They were at an 85 % overhead at the beginning of the year. By the end of the year, they were coming in at a 53 % overhead. So to me, it's just a math equation. One plus one equals two. How do we, we have money coming in, subtract the things we spend. We have profit leftover from there. We have our debt services and our tax that gives us our true cash at the end of it. So then number two is we got to focus on   What are the ways that we actually bring production and collections to the practice case? We've got our PNL. We understand how that's broken down. I also want you to know there's a chart of accounts that you can change that up. But step number two is we've got to focus on the revenue streams or the production of how do we actually get money on the books to be able to collect that? Are we being profitable in that zone? So there's different ways that we do this. So like hygiene, restorative, ortho, cosmetic, like different ways that we do it. And some offices actually like to track this and break it down. And you can actually put this on your PNL.   You can literally put down how much production has come from restorative, how much production comes from hygiene, how much production comes from ortho, and then you can break down the collections that we have from that as well. So this is something really awesome to see how much of my practice is hygiene, how much of my practice is on implants or all on fours, how much of my practice is ortho. I have a pediatric practice and they really love to track their ortho amount of it because they want to see how much of their practice is truly ortho. Do we need to spend more marketing money there or do we not? This really helps you be able to see   Kiera Dent (04:45.64) What services should we continue? Which ones are the highest revenue? Do we need to change our fees on it? Do we need to look at different ways to break this down? It's really, really, really fun. And so then I can look at what promos we put in the practice. Where do I put my blocks? What block scheduling do I need to have more of? What marketing do I need to spend to make sure we're getting the correct revenue or production streams of the correct patients? We're treatment planning it. We look at our treatment tracker to see, are we actually bringing this in? We can actually increase profitability without needing more patients if we follow this. So   A quick action item on that is maybe talking to your CPA about breaking down your revenue by services of what's coming into the practice to see where most of your income is actually coming from in the practice. Super enlightening when you start to look at this. Step three is now going to be looking at what we're spending. OK. And on the chart of accounts, if it's not broken down, you can ask your CPA to break it down. I've mentioned on prior podcasts that we were spending about fifteen thousand dollars on hiring once upon a time, but I didn't even know that's how much I was spending.   This last year, they had all of my marketing lumped into one. So I actually asked them to break it out. How much am I spending on the website? How much am I spending on events? How much am I spending on our ads that we're running? All these different little pieces, because I wanted to get more granular and understand where are the dollars going and what, if I spend a dollar, it coming back to me and what is it? So thanks for you on looking at your expenses. We usually have payroll, we have rent, we have supplies, we have labs, other things. We have our marketing, CE, consulting. We're going to want to look at   Maybe you have our associate doctors on there, but what are these different pieces and payroll? Oftentimes it's all the fringe benefits that go on to it as well. So making sure are the additional pieces of like our 401ks and our health benefits. What is all that going? Cause that does go into payroll. What's our payroll tax on that employee? Gosh, that was a fun day when I learned like what? So this also just helps you look at it. And then what we want to do is we want to look to see, there ways that we can cut costs? So going back to that example of cutting supplies,   Well, this office was just ordering through one supplier. There's companies like Ordo or Synergy or different group buying areas where you can still go through your same preferred vendor, but we can just get it on a discount rate. So for example, kind of like using Costco, like I can go and buy my, I thought Costco was ridiculous on their rotisserie chickens. Like they're $5 or I can go to Safeway and spend $9. I'm still getting a rotisserie chicken. It's just how much am I spending for it?   Kiera Dent (07:10.742) Now I get that food's a little bit of a funny analogy because food is not equal across all stores. So let's do something a little bit easier. I could spend, you know, I can have my car insurance, like again, through Costco versus through someone else. We're just trying to get our reduced costs, still getting the same quality, but could we reduce those costs? Other times just giving a budget, me realizing that I'm spending 15 grand on hiring. Well, there's a great company called Viva HR. If you do Viva HR slash Dental A Team or just DM me or   email us Hello@TheDentalATeam.com literally spend $100 a month on unlimited ads. So took a $15,000 spend down to a $1,200 spend right there. I freed up over 10 grand. I mean, we're talking more like 13 grand that I was able to then save and allocate somewhere else just by switching that one thing. I'm still doing the same thing. I'm still posting the same ads. I just use Viva HR rather than spending it on indeed, but I never would have known that if I would have been tracking this.   So this is where can we look at it? So what I recommend, and we haven't broken down into percentages on our overhead calculator that we've created for our clients, but you wanna categorize your expenses and look for areas where we can cut unnecessary costs. And also what's the percentage of our total collections that we're collecting that we can actually minimize and make sure that we're with the alignment of what's recommended. So for example, like I said, supplies are usually at 4%. Payroll is between 25 to 30%. So making it get all the way down, but also,   Those percentages are just baselines. If you want more profitability, can we shave a half our percentage? Can we shave 1 % and still maintain the quality of our practice? That's a question for you to answer, but great ways to analyze this. So that would be action item on this is let's categorize your expenses, look to see where we can cut, look to see the percentages to make sure what is in there. Is it allocated correctly? Meaning did they put actual supplies in supplies or did I get labs in there as well so that when my numbers are wrong and what other ways can I change that?   Okay, step four is now we wanna calculate our ratios. So on that, we're going to wanna figure out like, what is our profit margin? What's our payroll ratios? Like I was saying of those percentages, this is now where we break it down. If I'm spending $10,000 on payroll out of 100,000, well, that's a great gig and I probably don't have enough people on there and I have space within, because I'm only at 10 % and I could go up to 30 % again, depending upon what I want my profit margin to be.   Kiera Dent (09:33.39) I target with all expenses paid for offices to be a 20 or 30 % profit margin. So that means, cause overhead and profit get a little funny, overhead means all of our expenses, I like you to hit around a 50%. So if I've collected a hundred grand, I don't want you spending more than about 50,000. That leaves 50,000 here. We pay our doctors here. The goal is to leave about 20 to 30 grand if we're on this hundred thousand collection practice of true profit. Now of that profit, we, like I said, you can have debt services there and also taxes.   and depending upon the tax bracket you're in, that can actually make a pretty big difference. If I'm collecting 20 grand, I'm really not collecting 20 grand because I owe taxes on that. So that's a big asterisk around cashflow of how to master this and how to look at this, but making sure we're at the correct percentages for it to then gauge where are we at. So figure out what your, what our costs are, get them in in the pieces, and then figure out the percentages of each one of them, making sure that we're actually at the correct ratio.   of what it should be. In Dental A Team we're high on payroll because the bulk of our company is team. I don't have a physical location. I don't have a place that goes. Our product is our consulting. So my payroll is much higher than 30%. I pay a lot in payroll, but that's also, that's my product for you. have a lot of product in your practice of the supplies that go into it. We don't really have a lot of supplies that go into ours. I have a lot of software that I spend on. So everyone's going to be a little bit different, but we do have categories for dentists that we recommend.   Like I said, payroll 25 to 30 % supplies at 4%. Labs are 9 % combined together. Those are between 13 to 14%, especially if you're on an implant practice marketing. If you're growing, it can go all the way up to 5 to 7%. If you're lower, it should be a 2 to 3 % again, pending upon your goals and also pending upon where we want our profit margins to be. I really love my doctors to be paid at least a 30 % and they're also can get in to a little variable of do we pay our doctors as associates if you're an owner or not?   Kiera's opinion, and I know, like I said, I'm not a CPA. My opinion is I like to help practices exit out of the practice if they want to. Meaning, if you want to own your practice and not have it dependent upon you, that's what I like to grow for offices. So they have the option if they want to, or if any life circumstances happen, they're not handcuffed of, I don't have anything else I can do because I'm no longer practicing dentistry. To me, that's a very scary spot to be in. So what I do like to do is pay my dentist as an associate and as an owner.   Kiera Dent (11:56.386) because that way if I ever want to replace my doctor, I already have on my P &L paying them as an associate, not just as an owner or actually taking $0, which often happens because of distribution. Now your CPA can help you advise on tax strategy because there are strategies of how much you quote unquote pay yourself. But the way we have it is we just break it down and you don't necessarily have to run it through payroll. We're just making sure that our P &L matches so we know how much profit we'd have if any life circumstances happen to you.   All right, and now step five for you. Step five is we wanna set financial goals and track our progress. So like I said, where are you wanting to be on your profit margin? Do you wanna be, where are we at baseline today and then where do you wanna get to? And then we look at the pieces for it. Just like on a family budget, if we say we wanna save for a car or we wanna save for Disneyland or we wanna go on a trip to the Bahamas, well, now we start to save and we start looking at our expenses of well, what could we eliminate? Maybe we don't need Netflix anymore. Maybe we don't need a DoorDash. Maybe we don't need internet. Maybe we need to...   add an extra job to it to be able to pay for this. But it's the same thing in a practice. If we want to have profitability or we want to have long-term financial success or we want to be set up for financial freedom, what do I need my business to profit to be able to go after it? And how do I look at this? So then we look for how can I increase my production of higher revenue generating pieces that we enjoy doing? Maybe All On X, maybe Ortho, maybe same day crowns, whatever it is for you, how can we add more of that to our schedule?   How can we decrease the expenses or be smarter instead of just paying straight through a supplier? Could we work with a bigger supply company, like I mentioned, kind of like Costco and get a discounted rate for that? Could I do that and save money on things I'm already buying? And then we're gonna wanna make sure we get those profit target margins, the percentages, based on the industry benchmarks, like I mentioned to you, to really be able to grow for this. And so it's really fun if we look at those little items,   It just becomes a shave of a half a percentage here, a 1 % there, a couple dollars here, increasing our production, using better block scheduling that really makes us where we then are tracking our progress. And it's really fun when you can get an office manager and a leadership team bought into this with you as well, which is why we share it on the podcast, because when they're all tracking and they're all aligned and we know what our profit margins need to be, it becomes much easier. And so if there was a practice,   Kiera Dent (14:17.262) Like I said, we track with them quarterly, we're watching it they went from that 85 % overhead all the way down to 53%. Well, let me just do some simple math for you. Pretend that practice was only, let's say that they collected a million dollars that year, okay? So they did a million and that they were at an 85 % overhead. That would mean that on a million dollars, and let's say a million was true profit. So we've got a million, we've got 85 % overhead. That practice was collecting or like take home.   not including tax and all the other things, 150,000 out of a million. Now I understand. Now, if they're able to go, that was an 85 % overhead. If they go, so still a million dollar practice, down to 53 % overhead, what that does is that actually moves them into 530,000 is now their costs, right? Did you follow my math on that? 530,000. if they, and from there, so that means they're taking home 470,000.   That just simple shift, they didn't increase their production. They just reduced their expenses. Again, a million dollar practice, 150 to 470. That's a really big swing. You don't have to do anything more. We just had to be smarter with our dollars. So when you look at that and you think about that, that's where numbers get really fun for me. And that's where I love to empower doctors, leadership teams to how can we actually achieve this? So my goal for you would be let's set a financial goal for the next quarter.   Based on your P &L review, do we wanna cut down our supplies? Do we wanna increase our production? Do we wanna add our block schedules? What do we wanna do in there? Because this then will literally help you exponentially grow to your financial freedom. So as a quick recap of these five simple steps are one, understand the structure of your P &L. Two, focus on the revenue or production streams that we can add in. Three, analyze our expenses. Four, calculate the ratio. So again, the percentages of them and get those into industry standards.   And five, set financial goals to track the progress and actually see where we want to be. It's such fun for me because this is how you actually are able to exponentially have your business work for you. You not working for your business. You don't have to do more work. You don't have to more patient flow. None of those things. We just have to be smarter with how we're utilizing our money, how we're collecting collections, impact that how we're spending our money, making sure we've got budgets in place for our team. Teams will follow suit. We just need to get this set up for them. So this is where it's really fun. And honestly, you understanding your PNL.   Kiera Dent (16:43.158) It allows you to just make informed decisions, increase your profitability, AKA take home pay and grow your dental practice. And then the next step of this will be how do we actually keep the money that we're making that becomes so fun. So I'm happy to go through this. If you guys want, I can go through a PNL piece with you. Hello@TheDentalATeam.com or go to our website and just book a call. We can do a practice assessment with you, totally free complimentary on my side because this is really where I love to just truly empower doctors and owners to take.   the like bull by the horns, you're already doing the dentistry. Let's have you now be compensated for that and do it in a fun way where you now feel like you were in financial control for yourself. So this is literally what the Dental A Team does in consulting. If this is helpful for you, you want one on one help, you want us to dive into your practice more in depth. Like I said, we have that complimentary assessment for you. Click the link or come work with us. I'd love to have you because this would really be a zone. You can DM us on social media, the Dental A team. So Dental A team is our hashtag.   or you can email us Hello@TheDentalATeam.com This is truly the zone though. Become a financial master this year. You will be so happy that you did this. This is a gift you can give yourself. And as always, thanks for listening and I'll catch you next time on the Dental A Team podcast.

In this episode of Your Drone Questions. Answered, host Chris Breedlove provides a follow-up to last week's interview with Ravi Suneja about the ASPRS positional accuracy standards.Chris walks through a real-world example of calculating vertical positional accuracy using actual drone data from a community college campus. Learn how to:-Understand the components of the ASPRS 2024 vertical accuracy standardSee how product fit to checkpoints is measured in practice--Observe the importance of having 30+ checkpoints for proper validationCalculate the combined accuracy using both product fit and control network accuracy-Properly report whether your data was "tested to meet" or "produced to meet" standards

You want to find that perfect home, but how do you know where to start? The home-buying process can be tricky and confusing. That's why it's essential to understand the right things to consider before you begin the mortgage process.       Links: Find out how much you may qualify to borrow. Get a mortgage pre-approval now! Check out current mortgage rates and other special offers Check out TCU University for financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript:  Welcome to Money Tip Tuesday from the Making Money Personal podcast.     Buying a home is one of the most significant financial decisions ever. It's natural to have concerns and questions about the process, from finding the right house to securing a mortgage. Suppose you're ready for this journey but need help understanding where to start. Here are five things that you should consider before buying a house.    Affordability and Budget The first thing you'll want to know, and perhaps the most important, is how much house you can afford. Housing prices have climbed significantly in certain areas, and mortgage rates aren't as low as a few years ago.    The good news is that rates and prices fluctuate, so they can go down just as they went up.    Get a good idea of a monthly payment you can reasonably afford. One rule of thumb is that your yearly mortgage costs should be around 25% of your annual take-home pay. An affordable monthly payment provides a reasonable margin, so you're not spending too much on housing month over month. Calculate your annual household income, take 25% of that, and divide it by 12. You can then use that rough monthly payment calculation to determine the home price that best fits your budget.    Monthly payments are significant, but they're not the only cost you should know. Before shopping, consider other hidden costs, such as closing fees, property taxes, inspection fees, and the consistent, ongoing maintenance a house requires when calculating affordability. For instance, closing fees can include appraisal fees, title insurance, and attorney fees. Property taxes can vary depending on the property's location and value. Ongoing maintenance can consist of lawn care, repairs, and utilities.      Location and Neighborhood The next thing you'll want to consider is the location of your home.  What kind of neighborhood do you want to live in? What types of conveniences and local attractions would you like to be around? Are you one for solitary, remote locations, or do you like populated urban surroundings?    Explore the local spots and attractions to get an idea of the overall feel of the environment. Also, keep an eye out for planned developments in the area, as those can also affect property values.      Take into consideration any town amenities and services. Some towns provide trash pickup while others don't, which will become an additional expense to budget for. When researching potential buying locations, consider the cost of any further service you may need to pay out of pocket or find a location where those services are available through tax funding and other programs.    Property Condition and Inspection Another important factor to consider is the condition of the property. That home may have a low, attractive price, but it might need a new roof, a new furnace, or have some flooring issues.     First, take some time to ensure the house is structurally solid for safety. Have an inspector check on any plumbing issues, electrical issues, roof condition, etc., because issues involving maintenance and repairs all come with dollar signs. One positive thing to remember when inspecting the property is that sometimes, needed repairs provide an opportunity to negotiate pricing with the seller.    If there are things that need improving, consider whether you're equipped to fix them yourself or willing to pay a professional.  For some, buying a home that needs work is precisely what they're looking for.   Think about whether you're ready to put in some work and make some renovations or opt for a house that's more move-in ready. A clear idea of your intentions will help guide you toward the property you're most comfortable managing.     Understanding the Mortgage Approval Process Review your credit history, as it's a significant factor in determining how much you'll be able to borrow. Lenders use your credit report to determine your creditworthiness and as a benchmark of financial habits. If you recognize your credit isn't as healthy as it should be, think about improving it before applying for a mortgage.      Ensure you make all payments on time, do not max out credit cards, and maintain a healthy debt-to-credit ratio.   Once your credit is in good shape, take some time to get a mortgage pre-approval. Getting pre-approved is a great way to determine how much you can borrow and will provide a reasonable price range for your house hunt.   Loan Types A final thing to consider when buying a home is the mortgage type. There are a variety of mortgage loan types with different terms and rates. Some mortgage options have fixed rates, where the rate doesn't change throughout the life of the loan, while other types are adjustable-rate mortgages, where the rate adjusts periodically throughout the life of the loan. Finding the right loan type depends on how much you can afford for a monthly payment, the size of your downpayment, and how long you plan to be in the home.    If you're unsure what type of mortgage product will work best for your situation, talk to a Triangle Mortgage Loan Officer. They'll review all the aforementioned factors, ask you about your financial situation and goals, and listen to your overall expectations of being a homeowner. As mortgage professionals, they're also very aware of the housing environment and market and can guide you toward other little-known benefits and programs for which you might qualify. Visit trianglecu.org to learn more about Triangle's  mortgage products and contact one of our Mortgage Loan Officers.    If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

In this episode,  Scott Becker discusses GDP measurement, a golf match victory, the benefits of “addition by subtraction,” and a quick tip to beat procrastination.

For fleet managers, timing is everything when it comes to vehicle replacement. Wait too long, and maintenance costs spike while reliability plummets. Replace too soon, and you could be throwing away thousands on a vehicle that still has life left in it.In this episode of The Fleet Code, we explore a third option: remanufacturing. Jonathan Carr, President of Vehicle Reman, joins us to break down the numbers behind replacement vs. remanufacturing, which fleets benefit the most, and how to minimize downtime while maximizing cost savings.View a transcription and show notes for this episode here →Takeaways from this episode: Use data to determine when a vehicle is costing you more than it's worthIf your vehicles are highly upfitted, replacement might not be the best optionThink long-term and decide where remans could fit into your immediate–, future–, and even transitionary plansGuest: Jonathan Carr, President, Vehicle RemanAdditional Links and Resources:Learn more about Vehicle Reman (website)How to Calculate the Total Cost of Ownership for Your Fleet (blog)Developing a Fleet Vehicle Replacement Strategy (white paper)

Are you running a business, or are you just repeating the same year over and over again? In this episode, Steve shares insights on how to stop winging it and start running a business that works for you. From letting go of micromanagement, to creating repeatable processes that lead to long-term success. This episode is a wake-up call for business owners stuck in a cycle of frustration. Learn how to build a thriving business without you having to be involved in every little detail.In this episode Steve discusses…The importance of developing repeatable processes for successWhy you need to stop micromanaging and trust your teamHow shifting from a money-centric to a people-centric approach changes everythingCreating a business that runs itself while giving employees ownershipHow Steve transformed his businesses by stepping back and letting things unfold naturallyResources:⚔️ WAR ROOMReady to scale your business to $5,000,000 or more? No theory. No fluff. Pure action. Join nine other battle-tested contracting companies from across the country to tackle your biggest challenges head-on.https://thecontractorfight.com/war-room

Financial Advisor Tim Russell, CFP® and Tyler Rutherford discuss Net Worth. Does it matter? How do you calculate it?See the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaLife Financial Group, Inc.Wealth Management from a Biblical WorldviewDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Subscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

In this episode of the Contractor Intervention, Tom sits down with Austin, a GC from Pennsylvania who has struggled with negative net profit for four years. Juggling multiple businesses, his construction company isn't making money. In this conversation, they break down the root cause of his financial struggles and uncover the number one thing that will immediately move the needle toward profitability. If you're stuck on a financial hamster wheel, this episode is for you.In this episode, we discuss:[00:00] Introduction to Austin and his contracting business[01:55] The various businesses Austin has been involved in over the years[03:22] Breaking down his construction revenue and financial struggles[04:51] The reality of bringing in revenue vs. actually making a profit[06:19] Job costing, inefficiencies, and how small improvements can boost margins[07:43] The importance of pre-job costing and estimating at a 50% gross profit[09:37] The key problem behind four years of unprofitable business[11:03] The dangers of chasing too many business ventures at once[12:32] Why Austin needs to go all-in on his highest-earning opportunity: Construction[13:59] The limiting belief around raising prices—and why contractors CAN charge more[15:56] How sales training can make the difference between profit and loss[17:54] Austin's struggle with pricing and how small adjustments can add up[19:15] The right way to approach pricing and bracketing in sales conversations[22:33] The role of pre-selling and setting expectations with homeowners[24:52] Austin's current bottlenecks: too much fieldwork, not enough sales focus[26:44] The impact of hiring a project manager or admin assistant[28:39] Building a strong subcontractor network to scale up[30:33] The common mistake of trying to serve too many low-dollar clients[33:02] Two key lessons: commit to 50% gross profit and invest in sales training[36:43] Why being emotionally unattached to sales outcomes is a game-changer[40:59] How a contractor can completely transform their financials within a year[44:53] The long-term benefits of sales mastery and strategic pricing[50:09] Wrapping up: Key takeaways and next steps for Austin[51:37] Where to find Austin and connect with his businessResources:⚔️ WAR ROOMReady to scale your business to $5,000,000 or more? No theory. No fluff. Pure action. Join nine other battle-tested contracting companies from across the country to tackle your biggest challenges head-on.https://thecontractorfight.com/war-room

Hey Mama,   Are you having trouble making ends meet? Do you feel like you don't have enough money to live let alone reach your financial goals? Are you ready to finally get ahead?    Well that my friend is exactly what today is all about! Today you will learn how to calculate your income and set up your budget so that you can live beneath your means and finally reach your goals.    So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today's episode.    Much Love    Molly    P.S. I am offering Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.  . . . Next Steps:  . Book your Budget Audit  . Join The One Income Family Community  . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . Resources:  51. Stay on Budget in Less Time With These 4 Budgeting Systems 79. 3 Ways to Live on Less Than You Make and Reach Your Financial Goals Fast.  

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm ⚒️ Get my FREE Real Estate Investor Toolkit: https://coachcarson.com/toolkit-pod

What are the benefits and differences between exchange-traded funds and mutual funds? Mike in Colorado wants to know. How should Lauren in Florida approach the fixed-income portion of her investment portfolio? Would a balanced fund be good for asset allocation in the decumulation phase for DJ in Missouri? Plus, Karen wants to make a one-time roulette investment. Should she hire a broker or do it herself? Joe Anderson, CFP® and Big Al Clopine, CPA spitball on investing from the basics to the alternatives, today on Your Money, Your Wealth® podcast number 516. But first, something for YMYW's legion of Old-Fashioned drinkers: find out how you can put your money where your mouth is with our special guest Jeremy Kasler, the founder and CEO of CaskX, making investing in whiskey and bourbon more accessible and transparent for investors. Access free financial resources and the episode transcript: https://bit.ly/ymyw-516 DOWNLOAD The Investing Basics Guide WATCH Financial Facts vs. Fiction: The Truth May Shock You! on YMYW TV DOWNLOAD The Retirement Readiness Guide WATCH the full interview with Jeremy Kasler of CaskX ASK Joe & Big Al for your Retirement Spitball Analysis CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:55 - How to Invest in Bourbon and Whiskey with Jeremy Kasler, Founder and CEO of CaskX (watch the full interview exclusively on YouTube) 12:17 - Watch Financial Fact vs. Fiction: The Truth May Shock You! On YMYW TV, Download the Retirement Readiness Guide 13:09 - Big Al and Joe's Favorite Bourbons or Whiskeys 15:17 - ETFs vs. Mutual Funds Explained (Mike, CO) 18:34 - Bonds, Bond Funds, TIPs, CDs: Where to Invest for Fixed Income? (Lauren, FL) 21:47 - Download the Investing Basics Guide, Calculate your Free Financial Blueprint 22:54 - Is a Balanced Fund Good for Asset Allocation in the Decumulation Phase? (DJ, Missouri) 27:33 - One-Time Roulette Investment: Should I Hire a Broker or Do It Myself? (Karen) 31:46 - Outro: Next Week on the YMYW Podcast