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SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
This episode reveals the major CPA shortage happening right now and why it matters for business owners. You'll learn why so many CPAs are retiring, why new graduates are leaving the profession, and how this creates real problems for anyone who relies on basic tax prep. We talk about the difference between compliance and tax planning, and why tax savings come from strategy—not old-school accounting. You'll hear real stories of business owners who saved tens of thousands once they stopped relying on outdated firms. This episode shows you what to look for in a tax partner and why getting help now can protect your business and your money. Listen to learn how to keep more of what you earn before it's too late. Next Steps:
The health and wellness industry is facing a critical stress test. Recent revelations from the Department of Justice files concerning Dr. Peter Attia have forced a hard look at the foundations of trust, ethics, and professional integrity. This isn't about gossip; it's about asking critical questions: What does this mean for the information our clients consume? How do we lead an industry when trust is broken? And what is the responsibility of coaches in cutting through the noise and rebuilding a foundation of integrity in health and wellness?Topics Discussed:- Peter Attia & DOJ files- Ethical questions for health & longevity- Impact on client trust and information- Ethical breaches and professional responsibility- Role of coaches in rebuilding trust---------- My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization www.metabolismschool.com---------- [Free] Metabolism School 101: The Video Serieshttp://www.metabolismschool.com/metabolism-101----------Subscribe to My Youtube Channel: https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1----------Grab a Copy of My New Book - Metabolism Made Simple---------- Stay Connected: Instagram: @sammillerscienceYoutube: SamMillerScience Facebook: The Nutrition Coaching Collaborative CommunityTikTok: @sammillerscience----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at operations@sammillerscience.com. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."
For years, I tried everything to recover from OCD and anxiety — books, therapists, programs, techniques — yet nothing truly changed.In this episode of The Restored Minds Show, I share the moment where everything shifted for me — the point where once I did this, I healed. Not overnight. Not magically. But permanently.I walk through the two internal shifts that moved me from endlessly trying to recover… to actually living in a calm, regulated, trusting state.If you've been consuming content, searching for the “right answer,” or hoping something external will finally fix this, this episode will help you see why healing doesn't come from trying harder — but from deciding differently.Rather than managing symptoms or coping with fear, recovery came from changing my relationship to outcome, identity, and implementation.
In this episode, we dive into Katy Milkman's “Copy & Paste” strategy—a powerful shortcut for behavior change. Instead of reinventing the wheel, learn how to identify “close match” role models and deliberately imitate their specific tactics. We explore the research showing why copying beats planning, share real-world examples from exercise to automation, and give you […]
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
This episode breaks down why so many women entrepreneurs are walking away from old CPA relationships and finally getting the tax savings they deserve. You'll learn the three toxic traits that hold business owners back: gaslighting, poor communication, and bad tax advice. We talk about why these issues cost real money and how the right tax strategies can change everything. You'll also hear stories from women who made the switch and saved thousands by choosing a partner who listens and gives real finance advice. If you want more confidence, better tax planning, and real control over your money decisions, this episode shows you what's possible. Listen now to see how much you could be keeping. Next Steps:
Is the 25-40g of protein per meal max a thing of the past? In a very recent article that released this month, "The Anabolic Response to Protein Ingestion During Recovery from Exercise Has No Upper Limit in Magnitude and Duration in Vivo in Humans" (PMID: 38118410), we see that a 100g protein intake has a "greater and prolonged anabolic response" than the traditional and previously thought of upper limit of 25g. What does this mean for clients? Listen in as I explain more about the study and its application. Topics discussed:- Protein and Upper Limit to Muscle Gain- Muscle Protein Synthesis- Study Details- Application of The Study- Gut Health Considerations- Reminders---------- My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization www.metabolismschool.com---------- [Free] Metabolism School 101: The Video Serieshttp://www.metabolismschool.com/metabolism-101----------Subscribe to My Youtube Channel: https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1----------Grab a Copy of My New Book - Metabolism Made Simple---------- Stay Connected: Instagram: @sammillerscienceYoutube: SamMillerScience Facebook: The Nutrition Coaching Collaborative CommunityTikTok: @sammillerscience----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at operations@sammillerscience.com. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
This episode teaches you how to move beyond basic bookkeeping and start thinking like a CFO. You'll learn the difference between bookkeeping, accounting, and real financial strategy—and why strategy is what actually drives growth. We cover smart strategies, business finance habits, and money decisions that help you set goals, track KPIs, and plan for the future. You'll also learn how budgeting, forecasting, and weekly numbers reviews give you clarity and control. You don't need a full-time CFO to use these tools. You just need to be intentional and willing to lead. Listen now so you can make smarter decisions, grow faster, and keep more of what you earn. Next Steps:
Mindfulness is often recommended for OCD and anxiety — but for many people, it doesn't work the way they were told it would.In this episode of The Restored Minds Show, licensed therapist Matt Codde, LCSW explains why mindfulness fails for OCD and anxiety disorders when it's misused — and how it actually fits into real recovery.If you've tried mindfulness, meditation, or grounding techniques and felt frustrated, guilty, or like you “failed,” this episode will help you understand what really went wrong — and why it wasn't you.Rather than seeing fear, intrusive thoughts, or anxiety as problems to eliminate, Matt explains how misunderstanding the role of mindfulness often turns it into a distraction, a coping strategy, or another form of avoidance — which keeps the anxiety loop going.
Tired of chasing testimonials? You're not alone. Most people miss their chance because they ask too late or forget to ask at all. But what if you had a system that grabbed glowing feedback at the perfect time, without you lifting a finger?In this guide, you'll learn the exact automated method that pulls in high-quality testimonials fast using simple tools, smart timing, and zero awkward follow-ups. Whether you're selling courses, memberships, or coaching, this will get your happy customers talking and your sales pages converting like crazy.You don't need to beg for feedback or hope someone remembers to say something nice. With this system, you'll get the right words from the right people, at exactly the right time.Let's dive in and build your testimonial machineUseful Episode ResourcesFREE list of the top 10 books to improve your email marketingIf you want to write better emails, come up with better content, and move your readers to click and buy, here's how. We put together this list of our Top 10 most highly recommended books that will improve all areas of your email marketing (including some underground treasures that we happened upon, which have been game-changing for us). Grab your FREE list here.Join our FREE Facebook groupIf you want to chat about how you can maximise the value of your email list and make more money from every subscriber, we can help! We know your business is different, so come and hang out in our FREE Facebook group, the Email Marketing Show Community for Course Creators and Coaches. We share a lot of training and resources, and you can talk about what you're up to.Try ResponseSuite for $1This week's episode is sponsored by ResponseSuite.com, the survey quiz and application form tool that we created specifically for small businesses like you to integrate with your marketing systems to segment your subscribers and make more sales. Try it out for 14 days for just $1.Join The Email Hero BlueprintWant more? Let's say you're a course creator, membership site owner, coach, author, or expert and want to learn about the ethical psychology-based email marketing that turns 60-80% more of your newsletter subscribers into customers (within 60 days). If that's you, then The Email Hero Blueprint is for you.This is hands down the most predictable, plug-and-play way to double your earnings per email subscriber. It allows you to generate a consistent sales flow without launching another product, service, or offer. Best news yet? You won't have to rely on copywriting, slimy persuasion, NLP, or ‘better' subject lines.Subscribe and review The Email Marketing Show podcastThanks so much for tuning into the podcast! If you enjoyed this episode (all about the psychology of marketing and the 9 things we use in all our email campaigns) and love the show, we'd really appreciate you subscribing and leaving us a review of the show on your favourite podcast player.Not only does it let us know you're out there listening, but your feedback helps us to keep creating the most useful episodes so more awesome people like you can discover the podcast.And please do tell us! If you don't spend time on email marketing,...
Thanks to our partners Promotive and Wicked FileAre you unknowingly doing things that make the IRS take a closer look at your shop?What if one “small” filing mistake dramatically increases your audit risk this tax season?In this episode, Hunt Demarest walks through the most common tax mistakes that raise red flags with the IRS — and why many well-intentioned shop owners accidentally put themselves in the audit spotlight every year.Drawing on real audit cases from auto repair shops, Hunt explains how filing late, amending returns, underreporting income, and mismatched 1099 reporting can quickly escalate into full-blown audits, even when nothing dishonest was intended.This episode also breaks down why Schedule C amendments are especially dangerous, how credit card deposits and sales tax reporting can trigger IRS scrutiny, and what shop owners should do before filing to minimize risk, close the books cleanly, and move into the new year with confidence.What you'll learn…(03:00) Understanding IRS audits and common mistakes(05:45) Hunt's personal experience with being audited(06:40) How to prevent ever getting audited(09:00) What actually increases audit risk — and what doesn't(11:50) Income reporting and its applications(15:05) The impact of K1's and other income sources(17:55) High-risk income types and their audit potential(21:15) Losses and their effect on audit risk(24:00) Filing strategies to minimize audit risk(27:00) Final thoughts on tax preparation and auditsThanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our Partner WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Wrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/Remarkable Results Radio Podcast with Carm Capriotto: Advancing the Aftermarket by Facilitating Wisdom Through Story Telling and Open Discussion
The Spurs picked up a win thanks to strong guard play, smart offensive execution, and a key defensive adjustment — and Lopez explains why he's confident the Rockets could realistically do at least one of those same things to help themselves moving forward.
Monocle Radio’s Fernando Augusto Pacheco looks at the top-five songs in Sweden, including an old hit by Zara Larsson. Plus: how an AI-made number one was banned from the charts.See omnystudio.com/listener for privacy information.
I hope you're ready for the WEALTH of information Alex is sharing. On this episode of the Build Your Copywriting Business podcast, we are beyond lucky that CCA student, former account manager, and current copywriting dynamo Alex is sharing her wisdom from BOTH sides of the agency aisle. On the account side, Alex managed timelines, scopes, and client relationships. And, lucky us, she's sharing pro tips for how you can better manage your own timelines, scopes, and relationships to wow clients (and keep your sanity!). As someone who was on one career trajectory for well over a decade, Alex is also sharing what it was like to make a major career pivot into copywriting and how she did it. And, yes, she got to see copy for one of her projects in the bright lights of Times Square. How cool is that?! --------------------- Mentioned in the Episode Alexandra Angst LinkedInHow to Put Together a Copywriting Portfolio (Even With No Experience)Break Into New Copywriting Industries Using Spec AdsBONUS: Laser Coaching – How to Land Copywriting Work with an Ad Agency --------------- Get Free Copywriting Training here
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
This episode breaks down cash flow in a simple way so you can finally understand where your money is going and why it matters. You'll learn why a business can be profitable on paper but still struggle to pay bills, and how to use smart strategies to track and protect your cash. We walk through common cash flow killers, money decisions that hurt your business, and easy systems that help you stay in control. You'll also learn how to forecast your cash, plan for slow seasons, and build a reserve so you can make confident choices. This is real finance advice for business owners who want to keep more of what they earn. Listen now so you can get clear, stay ahead, and run your business with confidence. Next Steps:
#761 What if growing your home service business slower is actually the fastest path to profit and freedom? In this episode, host Brien Gearin sits down with returning guest Mike Andes, founder of Augusta Lawn Care, to break down how home service businesses can grow without getting crushed by seasonality, overhead, or the “bigger is better” trap. Mike shares his origin story (including starting college at 13!), then dives into his practical “off-season cures” (from winter services to inverse-demand add-ons like holiday lights), how pay-for-performance compensation can drive speed and quality with the right guardrails, and why open-book management + profit sharing can align the whole team like owners. They also unpack Mike's “Copy + Paste” growth philosophy — focusing on profitability and smart capacity limits before scaling locations — plus why many operators would be better off raising prices and reducing ad dependency than endlessly chasing more revenue! What we discuss with Mike: + Solving the off-season + Five “cures” for seasonality + Winter services & subscriptions + Inverse demand add-on services + Pay-for-performance pay model + Quality control & “yellow slips” + Open-book management basics + Profit sharing incentives + Copy-and-paste growth strategy + Raising prices vs. chasing growth Thank you, Mike! Check out Mike Andes at MikeAndes.com. Follow Mike on YouTube. To get access to our FREE Business Training course go to MillionaireUniversity.com/training. To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Learn more about your ad choices. Visit megaphone.fm/adchoices
In a world where trust in traditional healthcare is collapsing, consumer genetic testing has rushed in, promising precision and control. But is your DNA test truly empowering you, or is it selling you fear dressed up as knowledge? In this critical episode, we expose the limitations and dangers of direct-to-consumer genetic reports, from the misleading focus on single SNPs (like MTHFR and FTO) to the illusion of genetic determinism. Learn why genetics loads the gun, but environment pulls the trigger, and how you can shift from being a victim of your DNA to an architect of your own health, or that of your clients.Topics discussed: - Rise of consumer genetics- Misleading fraction of your DNA- Genetics vs. Environment- Demystifying SNPs - Epigenetics'- The body's functional redundancy - Framework for coaches to evaluate genetic test quality- Fine-tuning with bloodwork and lifestyle data- Common SNPs - Ethical and privacy concerns with genetic data---------- My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization www.metabolismschool.com---------- [Free] Metabolism School 101: The Video Serieshttp://www.metabolismschool.com/metabolism-101----------Subscribe to My Youtube Channel: https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1----------Grab a Copy of My New Book - Metabolism Made Simple---------- Stay Connected: Instagram: @sammillerscienceYoutube: SamMillerScience Facebook: The Nutrition Coaching Collaborative CommunityTikTok: @sammillerscience----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at operations@sammillerscience.com. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."
Part 2 of a 2-Part Masterclass on Identity Rebirth 2026 is a Universal Year 1… a rare numerological reset where new beginnings don't come from pushing harder, manifesting more, or chasing outcomes. They come from becoming someone new. In Part One, we explored why so many people miss this cycle ... The post 2026 Numerology: The Identity Shift That Unlocks New Timelines appeared first on Nat Olson.
In this timely conversation, Dr. Zach Clinton sits down with author and life coach, Allie Marie Smith, to explore why so many of us feel anxious, distracted, and disconnected in a hyper-digital world. Drawing from her newest book, Social Media Reset, Allie invites listeners to reconsider the role social media plays in their spiritual, mental, and emotional health, and why endless scrolling can never satisfy the deeper longings of the soul. Together, they discuss the hidden cost of digital overload, the freedom that comes from unplugging, and how a 30-day reset can help restore joy, peace, presence, and connection with God. This episode offers a hopeful, practical path for anyone longing to reclaim their joy, rediscover meaningful rhythms, and live with greater intentionally in a distracted age. Links: Allie’s Website: https://alliemariesmith.com/ Pick Up a Copy of Social Media Reset: https://alliemariesmith.com/social-media-reset Join Allie on a 5-Week Video-Based Social Media Reset Journey: https://alliemariesmith.com/course Find Faith-Based Counseling, Coaching, or Care Today: https://christiancareconnect.com/ Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.
Fast Five from Sporty's - aviation podcast for pilots, by pilots
Bruce Gordon learned to fly in Aspen over 40 years ago and has been flying in the Rockies ever since. He uses that experience to share tips for flying piston airplanes out West, name some of his favorite airports, and explain why the Cessna T210 is the perfect airplane for his missions. Bruce also talks about EcoFlight, the organization he founded that uses light airplanes to promote conservation, and how short flights can change people's perspectives about the world. In the Ready to Copy segment, Bruce talks about flying with John Denver, lessons learned from mountain climbing, and the best soccer player of all time.SHOW LINKS:* EcoFlight: https://ecoflight.org/* Aspen Hall of Fame: https://aspenhalloffame.org/inductee/bruce-gordon/* Pilot's Tip of the Week: https://pilotworkshop.com/tip
In episode 346, Steve talks about using air scrubbers for toxic mold concerns. Many people think that they can purchase an air scrubber that we use as professionals and the mold concerns disappear. Spoiler alert, an air scrubber won't make your mold concerns go away. You have to address the root of the mold concerns, buying an air scrubber won't make the mold go away. Steve talks about the Air Guard unit that you can purchase for your home. The Air Guard is a great tool to monitor the IAQ in your home. Copy and paste the link to purchase your unit. http://airguard.pro/?afmc=CNC We appreciate all of you and hope you have a great week!
In this episode Emmanuel Cortes Talks about his experiance growing up in a small town in Arkansas and chasing his dreams. Attending his first ever concert, T3r Elemento, is what made his want to become an artist. Emmanuel explains the process of recording his first ever album with just an interface and a few other music tools.See omnystudio.com/listener for privacy information.
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
This episode teaches you the core money skills every business owner needs to stay profitable and confident. You'll learn how to read your profit and loss, balance sheet, and cash flow statement in a simple, clear way. We break down what each report means, how they work together, and how they guide smart strategies and stronger money decisions. You'll see why avoiding your numbers leads to stress, debt, and missed opportunities—and how a few monthly habits can give you real control. This is the foundation of strong business finance and the first step to keeping more of what you earn. Listen now so you can understand your numbers and start leading like a true CEO. Next Steps:
Edtech ThrowdownEpisode 207: Tips and Tricks for 2026: Chrome and GmailWelcome to the EdTech Throwdown. This is episode 207 called “Tips and Tricks for 2026: Chrome and Gmail” In this episode, we'll talk about some of our favorite tips for surfing the web with chrome and sending or receiving emails in Gmail. Hopefully these hacks can help make your day a little easier. This is another episode you don't want to miss. Check it out.Segment 1: Lost but Now FoundRestore lost or accidentally Control Shift T Command Shift T on a MACZoom in and OutControl +/-Segment 2: Edtech Tips and TricksGoogle Chrome Tips and TricksNickQR CodeGo to the site > Three Dots > Cast,Save, and Share > Create a QR CodeSmart PDF HighlightingUse the "Link to Highlight" feature in Chrome. Right-click any text on a webpage and select "Copy link to highlight." When students click it, they are taken exactly to that sentence on the page.Use Google Lens to grab text from images. Go to the 3 dots > Search with Google Lens > drag around the image with the text you want > choose Copy TextGuiseAdd Tab to Group (Right click on a tab, hit add to group)Send Tabs Across Devices If you find a recipe on your laptop but want to take it to the kitchen on your phone, right-click the tab (or the address bar) and selectSend to your devices. It pops up as a notification on your other device instantly..Make the site an APP: Go to the site > Three Dots > Save and Share > Install page as app. It will now have its own icon in your Taskbar/Dock and won't get lost in your tabs. GmailNick:Find Large AttachmentsType larger:10m in the search bar to find every email taking up more than 10MB. It's the fastest way to clear storage space.Schedule Send LaterTemplates (Canned Responses)Enable this in Settings > Advanced. Save your standard "Late Work Policy" or "Meeting Request" as a template. To use it, click the three dots in a new draft and hit "Templates."Guise:Undo SendGo to Settings > See all settings > Undo Send and change it to 30 seconds. It's the ultimate "safety net" for typos.ArchiveThe "Plus" Addressing HackIf your email is teacher@gmail.com, you can use teacher+newsletters@gmail.com to sign up for sites. Gmail ignores everything after the +, but you can create a Filter to automatically label or skip the inbox for anything sent to that specific "plus" address.Edtech Throwdown: Vote on twitter @edtechthrowdown and under the pinned post on the...
Millions of Canadian mortgages taken out at ultra-low rates between 2020 and 2022 are now coming up for renewal – at much higher rates. That reality has led many to warn about a "mortgage renewal cliff" in 2026. Doug Hoyes is joined by Ron Butler (Butler Mortgage, Angry Mortgage Podcast) to unpack what's behind the renewal headlines, why renewal is a cash-flow test (not a crystal ball) and how homeowners can think clearly about their options as low-rate mortgages reset. A clear look at who may feel pressure at renewal, and how borrowers can think through their options before renewal letters arrive. 00:00 – What the "mortgage renewal cliff" actually means 03:10 – Which mortgages are renewing in 2026 06:00 – Why renewal math is very different from origination 09:30 – How bond yields flow through to mortgage rates 12:30 – Cash flow vs home equity at renewal 16:20 – Who is most at risk — and why 20:10 – House prices, equity, and renewal decisions 23:40 – Why even small delinquency increases matter 26:10 – How borrowers should think about renewal decisions 29:15 – Why renewal is a math test, not a market prediction Butler Mortgage Angry Mortgage Podcast on YouTube Scott Terrio on the Angry Mortgage Podcast Ron Butler live stream on Debt Free in 30 Mortgage Rate Charts Butler Mortgage Rates Butler Mortgage Calculator Toronto Real Estate Price History Subscribe to Debt Free Digest Newsletter – Don't Miss the Chance to WIN a Copy of The Wealthy Barber! Other sources: https://www.bankofcanada.ca/2025/07/staff-analytical-note-2025-21/ https://www.bankofcanada.ca/2025/01/staff-analytical-note-2025-1/ https://wowa.ca/infographics-finance-realestate-canada/mortgage-renewals-of-major-canadian-lenders https://www.canadianmortgagetrends.com/2025/10/canada-faces-400-mortgage-payment-spike-how-banks-are-preparing-for-the-renewal-storm/ https://economics.bmo.com/en/publications/detail/f9a87ba8-9962-4265-a2a9-e51303e269ca/ https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=3310053001 Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.
Get my X Growth Blueprint here: https://fos.now/yt-gd-discover-the-x-growth-blueprintWant my help scaling your business using systems? Book a free Systems Audit call here: https://fos.now/yt-apply-568In this video, I break down the exact content engine I've used repeatedly to turn organic content into real leverage, predictable growth, and long-term wealth. This isn't about chasing virality. It's about building a founder-led media asset that compounds over time.You'll learn how to think like a content asset manager instead of a creator, how to identify your competitive edge and zone of brilliance, why iteration matters more than going viral, how to separate signal from noise, and how content becomes the foundation for products, monetization, and community.If you want to build content that actually turns into a business, this video will show you the mindset, systems, and principles that make it inevitable.Want to LEARN proven systems to grow your personal brand? Go here: https://fos.now/yt-newsletter-568Already doing $30K+/month? Come to my next free workshop and I'll show you how to systemize your business and get your time back → https://fos.now/yt-workshop-568Want to WORK with a team of A-players? Apply to Founder OS here: https://www.founderos.com/careersConnect with me:Website: https://fos.now/yt-founder-os-568Twitter: https://twitter.com/matt_gray_LinkedIn: https://www.linkedin.com/in/mattgray1TikTok: https://www.tiktok.com/@realmattgrayInstagram: https://instagram.com/matthgray00:00 - Intro 00:25 Study the Masters03:37 Find your true voice04:35 Positioning Statement05:25 Create your writing system 08:15 Listen to the feedback10:11 Optimize your profile12:05 Connect with the right people14:50 Build the flywheel#onepersonbusiness #creatoreconomy #entrepreneurshipDisclaimer: Information shared here is for educational purposes only. Individuals and business owners should evaluate their own business strategies and identify any potential risks. The information shared here is not a guarantee of success. Your results may vary. This video shares my personal experience and growth building businesses over 15+ years of consistent effort. Your results will vary depending on your own actions, strategies, and circumstances.
Send us a textIn F1 News and F1 Updates, Mercedes genius aero trick, McLaren to copy Mercedes!Timestamps:00:00 Introduction 03:13 Ferrari First Test Reaction09:23 Mercedes Aero Advantage19:23 Mercedes PU Loophole31:02 Hamilton New Engineer33:56 Horner Alpine Rumourswhere to find me -Twitter: / cxmeroncc Tiktok: / cxmeroncc_ Facebook: / cameronf1tv Business Email : cxmeronf1@gmail.com#f1 #formula1 #f12025 #f1news #verstappen #maxverstappen #lewishamilton
Artificial intelligence is no longer a futuristic concept, it's a daily reality for millions seeking health advice. While these tools offer unprecedented access to information, they also introduce a new set of challenges that few are talking about. In this episode, I explore the hidden risks of relying on AI for health decisions, from its surprising inability to discern basic facts to the illusion of confidence it projects. Topics discussed: - The rise of AI in daily health decisions- When confident answers become dangerous- The surprising gaps in AI's knowledge- Why "agreeable" AI can be a problem- The source of AI's information (and misinformation)- The irreplaceable role of human judgment- Navigating health choices in the age of AI---------- My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization www.metabolismschool.com---------- [Free] Metabolism School 101: The Video Serieshttp://www.metabolismschool.com/metabolism-101----------Subscribe to My Youtube Channel: https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1----------Grab a Copy of My New Book - Metabolism Made Simple---------- Stay Connected: Instagram: @sammillerscienceYoutube: SamMillerScience Facebook: The Nutrition Coaching Collaborative CommunityTikTok: @sammillerscience----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at operations@sammillerscience.com. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
This episode clears up the confusion around trusts and taxes. You'll learn when a trust can save you money, when it can't, and how different trusts are taxed. We break down revocable and irrevocable trusts, explain grantor vs. non-grantor rules, and show how the wrong setup can lead to higher taxes. You'll also hear why the new estate tax limits for twenty twenty-six create a rare chance to use smart strategies and protect your family from future tax hikes. This is simple, clear finance advice that helps you make better money decisions and avoid costly mistakes. Listen now so you can keep more of your wealth and avoid surprises later. Next Steps:
Join us as we make predictions on what will happen in the world of gaming in the year 2026!
Welcome to PGX: Raw & RealPGX: Raw & Real is simple. I sit with people who've lived through something and/or made it big, and I try to understand what it did to them.Sometimes it gets deep, sometimes it gets weird, sometimes we end up laughing at stories that should've gone very differently — just like how real conversations go.This isn't meant to be inspiration or a template for life (for that, you can check out PGX Ideas).This space is different. It's their story, as they experienced it.In this episode, I spoke to Sanjay Mishra — Indian ActorTimestamps:00:00 - Welcome to Raw & Real03:10 - Delhi's pollution 07:45 - TV dramas, police corruption & dialogues 16:00 - Copy-paste formula of Bollywood24:00 - Bollywood copies hollywood? 32:10 - Movie Recommendations by Sanjay33:50 - Vadh 239:20 - Power of Cinema52:30 - Sanjay gets emotional while talking about his father1:10:45 - food stories / cheap thrills / simple pleasures 1:16:25 - Are we forgetting our culture?1:25:00 - What works in India?Enjoy.— Prakhar
Ever wrestled with an unusual work problem and didn't know where to turn? In our recurring advice column, “Work Drama,” we try to find answers to your sticky work situations. This week, Reema is joined by culture writer and podcaster, Sarah Hagi (host of “Scamfluencers”) to unpack some uncomfortable workplace problems – from scammy bosses and boundary-pushing coworkers to negotiating for a raise and navigating workplace friendships.If you liked this episode, share it with a friend. And let us know what you think by emailing uncomfortable@marketplace.org or calling 347-RING-TIU.
Ever wrestled with an unusual work problem and didn't know where to turn? In our recurring advice column, “Work Drama,” we try to find answers to your sticky work situations. This week, Reema is joined by culture writer and podcaster, Sarah Hagi (host of “Scamfluencers”) to unpack some uncomfortable workplace problems – from scammy bosses and boundary-pushing coworkers to negotiating for a raise and navigating workplace friendships.If you liked this episode, share it with a friend. And let us know what you think by emailing uncomfortable@marketplace.org or calling 347-RING-TIU.
Manifest Your Abundant Dream Life: https://www.affirmationtomanifestation.com/abundance Master Manifesting in 11 Days: https://www.affirmationtomanifestation.com/mastery
This week Patrick and Lori welcome Ingmar Jungnickel, an aerodynamicist and the founder of AiRO, a fitting system based on rider aerodynamics. AiRO uses CFD (computational fluid dynamics) to simulate wind tunnel testing to give riders otherwise unaffordable feedback on their bike position.
Thanks to our partners Promotive and Wicked FileAre you sure you're capturing every tax deduction your shop — and your employees — are entitled to this year?What if missing one small detail hands more money to the IRS than necessary?In this episode, Hunt Demarest kicks off the new tax season by breaking down the most important tax rule changes shop owners need to understand for 2026, and just as importantly, who actually qualifies for them.From overtime deductions and tip taxation to the surprisingly nuanced rules around car loan interest and a new senior tax break, Hunt explains what's real, what's misunderstood, and where shop owners should (and should not) be taking action.Using real-world payroll examples and clear math, this episode cuts through the headlines to show how these changes affect employees, owners, and families differently — and why failing to understand the details could mean leaving thousands of dollars on the table or creating unnecessary IRS risk.What you'll discover…(02:00) The four major tax changes affecting auto repair businesses this year(04:49) Why most auto repair shops do not qualify for tip deductions(07:15) How overtime deductions actually work — and what “qualified overtime” really means(09:55) How state overtime rules can complicate federal tax deductions(14:55) Why owners, spouses, and many family members do not qualify for overtime deductions(16:55) The new car loan interest deduction — and why most shop owners won't qualify(18:00) The hidden rules that eliminate many vehicles from the car loan write-off(22:05) Why “made in the USA” matters more than brand name(23:10) When buying a new car might make more sense than a used car financially(25:25) The new senior tax deduction and who benefits most from itThanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our Partner WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Wrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network:
Most photographers think partnering with charities is just a feel-good move. But what if it's actually your smartest marketing strategy? This episode unpacks how to use charity partnerships to tap into a stream of ideal, trust-filled clients—while doing work that matters. You'll learn: ● How to spot high-converting charity partners (and which to avoid) ● A proven event structure that raises money and books premium clients ● Real student examples of raising $43K+ while building six-figure studios If you're craving clients who see your value before you even pick up your camera, this episode shows you how to find them—through giving back. RESOURCES: Photography Business Tools to Get Started 37 CLIENTS WHO CAN HIRE YOU TODAY https://info.photographybusinessinstitute.com/37-clients-optin INSTAGRAM – DM me "Conversation Starters" for some genuine ways to strike up a conversation about your photography business wherever you are. https://www.instagram.com/sarah.petty FREE COPY: NEW YORK TIMES BEST SELLING BOOK FOR PHOTOGRAPHERS www.photographybusinessinstitute.com/freebook BOUTIQUE BREAKTHROUGH – 8-WEEK WORKSHOP www.photographybusinessinstitute.com/boutiquebreakthrough FREE FACEBOOK GROUP: Join and get my free mini-class: How I earned $1,500 per client working 16 hours a week by becoming a boutique photographer. https://www.facebook.com/groups/ditchthedigitals YOUTUBE: Check out my latest how to videos: https://www.youtube.com/photographybusinessinstitute LOVE THE SHOW? Subscribe & Review on Apple Podcasts https://podcasts.apple.com/us/podcast/worth-every-penny-joycast/id1513676756
Two days after Indiana won the National Champions....in football....Inside Carolina senior reporter Greg Barnes and Tommy Ashley discuss the impact of the Hoosier run on schools like North Carolina. Can the Tar Heels and Bill Belichick replicate what Curt Cignetti and his coaching staff have done in the last two years and flip the UNC program into a winning powerhouse? Barnes and Ashley hit on the coaching vs talent debate and other aspects of production and potential. This show is brought to you by Inside Carolina, the No. 1 site for UNC sports coverage and community. Visit http://www.InsideCarolina.com Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Scrupulosity can feel terrifying — especially when OCD and anxiety latch onto God, faith, salvation, or religious beliefs.In this episode of The Restored Minds Show, licensed therapist Matt Codde, LCSW explains what scrupulosity really is, why it has nothing to do with a lack of faith, and what actually allows people to recover.If you're constantly doubting your salvation, fearing you've committed an unforgivable sin, or feeling trapped in religious fear loops, this episode will help you understand what's happening beneath the surface — and why trying harder spiritually often makes it worse.Rather than treating scrupulosity as a faith problem, Matt explains why it's a fear-based nervous system issue — and how shifting your internal state, not seeking certainty, is the path to healing.
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
This episode breaks down the advanced trust tools wealthy families use to protect their money, their values, and their loved ones. You'll learn how dynasty trusts help wealth last for generations, how special needs trusts support vulnerable family members, and how spendthrift rules keep inheritances safe from divorce, lawsuits, and bad decisions. We explain these ideas in simple language and tie them to real money decisions, smart strategies, and long-term wealth planning. You'll see how these trusts work from a tax angle and why you need both a tax pro and an estate attorney to set them up the right way. Listen now so you can protect your legacy and keep more of what you've built. Next Steps:
Igor sits down with a veteran copywriter who reveals the quiet rituals, mental systems, and idea-capturing habits behind some of the strongest creative breakthroughs in direct response.You'll hear how big ideas are really found, not by waiting for inspiration, but by tracking tiny sparks across your day, assembling timeless building blocks, and letting technology shape raw concepts into polished assets.This episode peeks into the private mechanics of creativity: notes, patterns, timeless angles, and why some ideas survive decades while others vanish in minutes.At the end of the episode, Lawrence Bernstein offers a special bonus exclusively for Igor's members. You can access it here:
Send us a textJoin us for an "ASIN TEARDOWN" as we assess an innovative product: the airtag leather wallet. We conduct an amazon asin review, focusing on its features and potential for amazon seller success. Discover how this best wallet for airtag could impact your amazon fba strategy.
A1C is one of the most commonly used markers for assessing metabolic health, but it's also one of the most misunderstood. In this episode, I revisit the “Overrated or Underrated” framework to break down what A1C actually measures, where it can be useful, and why it often fails to tell the full story. We explore the many conditions, supplements, medications, and physiological states that can falsely elevate or suppress A1C, leading to flawed conclusions about insulin sensitivity. Topics discussed:- What A1C measures- Overrated versus underrated markers- False A1C elevations- False A1C reductions- Anemia and A1C- Protein intake effects- Medications and A1C- Endurance training considerations- Ethnicity and lab interpretation- Better insulin sensitivity markers---------- My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization www.metabolismschool.com---------- [Free] Metabolism School 101: The Video Serieshttp://www.metabolismschool.com/metabolism-101----------Subscribe to My Youtube Channel: https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1----------Grab a Copy of My New Book - Metabolism Made Simple---------- Stay Connected: Instagram: @sammillerscienceYoutube: SamMillerScience Facebook: The Nutrition Coaching Collaborative CommunityTikTok: @sammillerscience----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at operations@sammillerscience.com. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."
We have a concert announcement and hear passionate responses regarding Nebrasketball and Indiana's historic season.
In this heartfelt conversation, Dr. Zach Clinton sits down with bestselling author and Midnight Mom devotional founder, Becky Thompson, to speak directly to the weary woman who feels tired, anxious, and unseen. With honesty and compassion, Becky shares her personal journey with anxiety, the power of prayer and community, and why faith and mental health are not opposing forces. Together, they explore the hidden loneliness many women and moms carry, the myth that anxiety reflects spiritual weakness, and how true healing rest can be found even in the middle of ongoing struggles. This episode offers wisdom, encouragement, and hope for any woman longing to reconnect with God, experience peace beyond the pressure, and discover that she is not alone…especially in the midnight hours. Links: Becky’s Website: https://beckythompson.com/ Pick Up a Copy of One of Becky’s Bestselling Books: https://beckythompson.com/books/ Join Becky’s Bible Study Today: https://beckythompson.teachable.com/ Find Faith-Based Counseling, Coaching, or Care Today: https://christiancareconnect.com/ Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.
We live in a world that is in desperate need of peace and wholeness. Communities across the globe are ravaged by violence and instability, but what does it look like to be practitioners that seek to transform conflict into thriving communities. In this conversation, Brandon Stiver is joined by Prashan De Visser, the Founder and CEO of Global Unites. Prashan shares his insights on the impact of colonialism, civil war and poor governance in Sri Lanka and the role of the church can play in conflict transformation. He shares about the work of Global Unites in promoting peace and reconciliation in over 20 countries emphasizing the importance of nonviolence, grassroots movements, and youth leadership in conflict transformation. This conversation dives into the complexities and the unique hope that comes with youth movements for peace. Support the Show Through Venmo - @canopyintl Subscribe to Our New YouTube Channel Podcast Sponsors Take the free Core Elements Self-Assessment from the CAFO Research Center and tap into online courses with discount code 'TGDJ25' Take the Free Core Elements Self-Assessment Resources and Links from the show Global Unites Online Why Nations Fail by Daron Acemoglu and James A. Robinson Conversation Notes (AI Generated) The importance of creating an inclusive Sri Lankan identity and governance structure. The legacy of colonialism continues to affect Sri Lanka's social fabric. Nonviolence is a crucial principle for sustainable change in conflict situations. Grassroots movements are essential for effective peace building. Youth leadership is vital for the future of conflict transformation. Reconciliation involves healing, repairing, and transforming societal structures. Inherited prejudices can be dismantled through personal connections and experiences. The church has a significant role to play in promoting peace and reconciliation. Copy-paste solutions in conflict resolution often lead to more harm than good. Local expertise is invaluable in creating effective interventions for peace. Theme music Kirk Osamayo. Free Music Archive, CC BY License
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2026 is a Universal Year 1… a rare and exciting numerological cycle of true new beginnings, identity rebirth, and new timelines. But this year doesn't respond to hustle, manifestation tactics, or chasing outcomes. In fact, those strategies often block the very change people are hoping for. In this episode, I ... The post 2026 Numerology: A Universal Year 1 – And the Mistake That Will Cost People Years appeared first on Nat Olson.
Choosing a process vs choosing a result is one of the most overlooked reasons people stay stuck in anxiety, OCD, and mental health struggles for years.In this episode of The Restored Minds Show, licensed therapist Matt Codde, LCSW breaks down why trying tools, techniques, and processes without deciding on a clear outcome keeps people cycling — and what actually creates lasting transformation.If you've tried ERP, mindfulness, ACT, coping strategies, books, or programs but still feel like nothing truly sticks, this episode will help you understand what's missing.Rather than focusing on eliminating symptoms, Matt explains why recovery and transformation begin with choosing an identity and a destination — and then building the structure, skills, and support that align with that result.
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
This episode explains how trusts and LLCs protect your real estate, your business, and your family. You'll learn how a land trust keeps your name off public records, how an LLC adds liability protection, and how a living trust helps your assets avoid probate. We walk through real examples and show how these tools support smart strategies, wealth planning, and better money decisions. You'll see how simple changes can keep your property safe, make lawsuits less risky, and create a smooth plan for your heirs. These steps are tax-neutral, but they are powerful for privacy and protection. Listen now so you can protect what you've built and keep more of your wealth. Next Steps: