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Learn how to cut big costs, stay on budget, and reach your homeownership goal faster.Today's episode is all about prioritizing your financial decisions to support your homebuying journey. Host David Sidoni breaks down why skipping your daily coffee won't cut it—but skipping that new car just might make all the difference. You'll learn how to rethink large expenses, why practicing rent replacement now can make you mortgage-ready later, and how to maintain momentum even when your timeline feels long. It's a wake-up call for anyone who's serious about becoming a homeowner—without feeling broke or burned out in the process.David shares real strategies from buyers who stayed on track by focusing on the right sacrifices, embracing lifestyle budgeting, and continuing those habits even after moving in. If you've been saving but still feel behind, or if you're wondering what to cut without giving up your sanity, this episode is for you.“One less quad venti no-whip isn't going to get you across the finish line. But skipping that new car just might.”Highlight:Why skipping small luxuries won't help—but cutting big expenses willHow to practice living on your future mortgage before you buySmart budgeting tips that continue to pay off even after closingWhy an emergency fund is essential to stay confident as a homeownerReferenced Episodes:388 – The Playbook VOL. 1 - The Rent Replacement Strategy355 – Real Answers Pt 4: Should I Rent or Buy in 2025?328 – 2025 Homebuying Action Steps - 10 Real Estate Pro Tips319 – Condo vs. Townhome vs. House – Which One is Right for You?207 – How to Save and Plan for a Down Payment145 – Rebalancing Your Budget After Closing400 – How to Buy a Home Starter Series (Start Here)287 – The “Secret” Downpayment Assistance ProgramConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!
How much The American Dream costs in 2025, Sydney Sweeney's overrated movies, Spider Man's war against unemployed villains, and more!----------SIGN UP FOR LEGENDZ CASINO AND SPORTSBOOKUSE CODE: "MAKESHIFT" for 100% Matchhttps://www.legendz.com/en-US/?register=me&btag=59_37ga824cidpidvar1var2var3var4var5affid59tid----------0:00 HOW MUCH THE AMERICAN DREAM COSTS?4:51 GUESS ZACH'S CHIPOTLE ORDER!8:34 MAKESHIFT UPDATES!12:56 SYDNEY SWEENEY OVERRATED?17:41 JOIN LEGENDZ CASINO AND SPORTSBOOK!19:58 SPY KIDS 3 BEST CAST EVER?25:36 7 PLACES SCIENTIST CAN'T EXPLAIN!30:24 SPIDERMAN VS UNEMPLOYMENT!35:47 WHY NASA STOPPED THE OCEAN!41:55 YOUR PHONE IS LISTENING!47:01 OUTRO AND MEMBER SHOUTOUTS!
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Montana's largest utility this year struck deals to power three data centers — and counting. NorthWestern Energy has promised them at least twice the amount of electricity used to power all homes and businesses in the state. As data centers look to break ground in Montana, some worry ratepayers will have to subsidize their colossal power needs.
You're listening to American Ground Radio with Stephen Parr and Louis R. Avallone. This is the full show for November 18, 2025. 0:30 We break down a major federal court decision with sweeping implications for the Constitution and the balance of power between states and Washington. A federal judge has dismissed the Department of Justice’s challenge to New York’s law blocking federal immigration agents from making arrests inside state courthouses—raising an urgent question: Can a state legally obstruct the enforcement of federal law? 9:30 Plus, we cover the Top 3 Things You Need to Know. Mohammed Bin Salman arrived in Washington D.C. today for a state visit at the White House.The Crown Prince of Saudi Arabia came to the US to finalize several trade deals with the Trump administration. A judge in Tennessee has ruled the Governor of the state does not have the legal right or power to deploy the National Guard to fight crime in the state. A three judge panel has ruled that Texas' newly redrawn congressional districts are unconstitutional because they were racially gerrymandered. 12:30 Get Prodovite Plus from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 13:00 We take a look at a growing internal revolt inside the Democratic Party—one that could spell the end of Chuck Schumer’s leadership. Schumer is being pushed out by a party base that has moved far to the left of him. With Senator Cory Booker publicly framing Schumer’s generation of Democrats as the past, we break down what that political language really signals: an impending transfer of power. 16:00 We ask the American Mamas what happened to Marjorie Taylor Greene. Teri Netterville and Kimberly Burleson dive into the sudden and dramatic shift in Marjorie Taylor Greene’s public persona—why she’s showing up on left-wing media, apologizing on CNN, clashing with fellow MAGA Republicans, and now openly feuding with President Trump himself. From her failed push to oust Speaker Mike Johnson to her sharp turn toward “unity” messaging, the mamas sort through the contradictions and speculate about the ambition, pressure, and possible political maneuvering behind it all. They also explore why so many once-rising conservative stars—from Dan Crenshaw to MTG—seem to lose their footing in Washington, and whether a shaky ideological foundation makes politicians vulnerable to shifting with the political winds. If you'd like to ask our American Mamas a question, go to our website, AmericanGroundRadio.com/mamas and click on the Ask the Mamas button. 23:00 We react to Northwestern University’s newest “well-being initiative”: a free vending machine stocked with everything from Narcan and fentanyl test strips to condoms and Plan B. By placing life-saving tools, basic necessities, and abortion-inducing medication side-by-side—accessible at the push of a button—the university is sending a troubling moral message: that all choices carry the same weight and all consequences can be conveniently erased. 26:30 We tackle an unexpected moment of honesty from longtime media insider Fareed Zakaria. Despite his résumé across some of the nation’s most left-leaning outlets, Zakaria used his CNN platform to spotlight a politically inconvenient truth: America’s affordability crisis is overwhelmingly concentrated in places governed by Democrats. We Dig Deep into into why policies in deep-blue states like New York and California consistently deliver higher costs and poorer outcomes, even as voters continue re-electing the same leaders. 32:00 Get TrimROX from Victory Nutrition International for 20% off. Go to vni.life/agr and use the promo code AGR20. 32:30 We talk about the misnamed Affordable Care Act that has made healthcare less affordable by adding layers of bureaucracy. Costs could be lowered through greater price transparency from hospitals and clinics, and by eliminating “concierge” health insurance that covers routine, guaranteed services like checkups. Instead, insurance should function like car or home insurance—covering unexpected, high-cost events, not routine maintenance. 35:30 Plus, Nicki Minaj publicly supported President Trump’s comments about global Christian persecution, and that's a Bright Spot. Though known for explicit music and public feuds, Minaj identifies as a Christian, and Christianity is about grace, not perfection. After Minaj reposted Trump’s message, UN Ambassador Mike Walz invited her to speak at the United Nations, where she thanked Trump for drawing attention to the persecution of Christians in Nigeria. 40:00 After years of positioning herself as one of Trump's strongest allies, Marjorie Taylor Greene is calling Trump a "traitor." She's leaning into fringe conspiracy theories like Candace Owens and Tucker Carlson with their theories about Charlie Kirk. At some point, we just have to say, "Whoa." 41:30 And we finish off with a day in 1883 that changed the way we keep time. Follow us: americangroundradio.com Facebook: facebook.com / AmericanGroundRadio Instagram: instagram.com/americangroundradioSee omnystudio.com/listener for privacy information.
Rising electricity prices are a major driver of headline inflation, putting pressure on households and Australia's 2.6 million small business owners.
Get 30% off your next mattress from Brooklyn Bedding at https://rvmattress.com/rvmiles with code RVMILES In this episode: Federal recreation facilities reopening Grand Design's new Omega frame Colorado lodging tax increases RV Life's “Best of the Best” campground awards GE's compact dishwasher for RVs Lazydays RV delisted from NASDAQ GM and Allison Transmission part ways …and more! Get your first month of Mile Marker Membership FREE at https://rvmiles.memberful.com/checkout?plan=96363 with code RVMILES. Subscribe to the RV Miles Podcast Channel: https://www.youtube.com/RVMilesPodcast. ****************************** Connect with RV Miles: RV Miles Facebook Group: https://www.facebook.com/groups/rvmiles Shop the RV Miles Amazon Store: https://www.amazon.com/shop/rvmiles RV Miles Mailing List: https://rvmiles.com/mailinglist Mile Marker Membership: https://rvmiles.com/milemarkers Timestamps: 00:00 – Introduction & Federal Recreation Facilities Reopening 01:09 – Grand Design's New "Omega" Fifth Wheel Frame 01:34 – Grand Design's New Omega Frame Details 03:14 – Sponsor: RV Mattress by Brooklyn Bedding 04:21 – Colorado Lodging Tax Increases 05:09 – RV Life “Best of the Best” Campground Awards 06:07 – GE Profile Compact Dishwasher for RVs 06:32 – Lazy Days RV Delisting 07:01 – GM and Allison Transmission End Partnership
Kevin and Kieran take a look at the rules around players owning clubs, and find out why the costs of youth development are excluded from PSR calculations. Buy tickets for The Price of Football LIVE in Brighton on Wednesday 19th November 2025 here... https://www.eventbrite.co.uk/e/the-price-of-football-live-tickets-1739273607179?sg=844f82c0365a9f4708f4f8d3b8c9fbbff7184142e96886ec5b41d5ad250d0d3882721999f66ee4dd55298ea0ecaf40edfe316a9ec2be64cfc5d0fb31e35d366263139a0efb1d076391fb5c17c5&aff=ebdsshios Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow The Price of Football on X - @pof_pod Send in a question: questions@priceoffootball.com Join The Price of Football CLUB: https://priceoffootball.supportingcast.fm/ Check out the Price of Football merchandise store: https://the-price-of-football.backstreetmerch.com/ Visit the website: https://priceoffootball.com/ For sponsorship email - info@adelicious.fm The Price of Football is a Dap Dip production: https://dapdip.co.uk/ contact@dapdip.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices
Ready for a fabulous gay retirement in Ecuador?Thinking about retiring abroad? You're not alone. In Ep. 616 we break down Ecuador—a country that punches above its weight with year-round spring weather, U.S. dollar convenience, solid healthcare, and a much lower cost of living. We cover legal landscape (marriage since 2019; gender recognition 2024), where stigma still shows up, and our Top 5 Ecuador cities for gay retirees—Salinas, Cotacachi, Guayaquil, Quito, Cuenca—with 2BR rent ranges, cost-of-living vs. U.S., and our Queer Money Retirement Rating for each.Key TakeawaysReal savings: Many Ecuador cities run ~50–70% cheaper than the U.S., with rents that can be a fraction of stateside prices.Climate win: Highland zones offer “eternal spring”—often no A/C or snow shovels.Queer reality: Legal wins exist, but visibility and safety vary by city; Quito leads for LGBTQ+ infrastructure, Cuenca for expat ease.Trade-offs: Big-city perks vs. crime hot spots (e.g., Guayaquil), beach life vs. tourist pricing (Salinas), quiet charm vs. fewer queer spaces (Cotacachi/Cuenca).Chapters:00:00 – Intro: Why Ecuador keeps popping for LGBTQ+ retirees02:29 – #5 Salinas (beach town, Vox gay disco): 2BR ~$500–$800 | COL ~50–65% ↓ | Rating 6/1004:37 – #4 Cotacachi (quiet Andean base): 2BR ~$450–$600 | COL ~60–70% ↓ | Rating 7/1006:29 – #3 Guayaquil (big-city energy): 2BR ~$620 | COL ~60–65% ↓ | crime caveat | Rating 7/1009:11 – #2 Quito (capital & queer hub): 2BR ~$675–$1,300 | COL ~54–63% ↓ | Rating 8/1011:40 – #1 Cuenca (expat favorite): 2BR ~$300–$600 | COL ~60–70% ↓ | Rating 9/1013:51 – Next up & wrap upLinks referenced in this episode:queermoneypodcast.com/citiesqueermoneypodcast.com/hgrcalcMentioned in this episode:Get Your Portugal Golden Visa Faster Here!Want a European passport with access to living in nearly any European country? Just click the link below to find out how. Get Your Portugal Golden Visa Here!
A new report from the Costs of War Project at Brown University found that without US weapons and money, totally $21-billion since 2023, Israel could not have waged any of its wars on Gaza, Iran, and Yemen. Brown University also reported in 2019 that Afghanistan and Iraq, along with Pakistan, cost the US $6.4 trillion, a number that is currently a drop in the bucket of a $38-trillion debt. And to whom is this owed? For their trouble US citizens have gotten a devalued currency, increasingly excessive costs of living, a lower quality of life, crime, drugs, house-lessness, and daily threats of terrorism. The current conditions so closely resemble the same in 1920s Berlin, though kept from the brink of collapse through an immense war machine, that people have began to assign blame on those that run the Banks and wars, i.e., Jews and Israelis. After seeing what Charlie Kirk said in private messages before his assassination, mainly that “Jewish donors play into all the stereotypes” - and seeing how powerful these Jewish billionaires are in influencing and directing the US government - people have begun to act like 1930s Germans. Israel is openly loosing support rapidly in the US. In Mexico, a Catholic country run by a cartel president named Sheinbaum, who happens to be cut from same cloth as the IDF, HIAS, and Israeli officials who respectively train the cartels, facilitate the human trafficking, and arm the cartels with American weapons, the citizens have also begun a rebellion. Is it organic or staged? Someone even spray painted “Puta Judia” on the Supreme Court building, indicating one of two things: Mexicans identify Jewish supremacy as the problem behind the cartels or Jews wrote the message to drum up more antisemitic talking points and censorship. Meanwhile, three billionaire Jews are trying to unseat one of the last standing members of Congress who has not pledged their soul to Israel. The accusations are always the same: suck the wealth and recourses from the country, and suck the life and livelihood from the people. Even Randy Fine says the Jews are close to being kicked out of the United States. Now that it is all out in the open, Benjamin Netanyahu has been recorded saying that Rome is the enemy and the US is the New Rome. As in Germany, when official policy and public sentiment identify Jews as the source of their problems the international Jews and their organizations, not exclusively though, then declared open war on Germany.*The is the FREE archive, which includes advertisements. If you want an ad-free experience, you can subscribe below underneath the show description.FREE ARCHIVE (w. ads)SUBSCRIPTION ARCHIVEX / TWITTER FACEBOOKWEBSITEBuyMe-CoffeePaypal: rdgable1991@gmail.comCashApp: $rdgable EMAIL: rdgable@yahoo.com /TSTRadio@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-secret-teachings--5328407/support.
Did you know that properly selected music is restoring communication, easing pain, reducing medication use, and transforming dementia care for patients – and their family and caregivers? Discover how personalized music is lowering costs, improving outcomes, and helping families reconnect in meaningful, unforgettable moments – without pharmacological side effects. Bonus Tip: Use holiday music thoughtfully this season to spark connection and joy – without causing overstimulation or stress for your loved ones. Links and notes related to this episode can be found at https://mpetersonmusic.com/podcast/episode222 Connect with us: Newsletter: https://mpetersonmusic.com/subscribe Facebook: https://www.facebook.com/EnhanceLifeMusic/ Instagram: https://www.instagram.com/enhancelifemusic/ LinkedIn: https://www.linkedin.com/in/mpetersonpiano/ X: https://twitter.com/musicenhances Sponsorship information: https://mpetersonmusic.com/podcast/sponsor Leave us a review on Podchaser.com! https://www.podchaser.com/podcasts/enhance-life-with-music-909096 In-episode promo: Sheet Music Direct https://www.sheetmusicdirect.com
On this episode of America At Night with guest host Dom Giordano, we take a deep look at the battle for America's classrooms and pocketbooks. First, Ryan Walters, former Oklahoma State Superintendent, joins the show to expose the growing influence of teachers unions and outlines how parents and policymakers can push back against socialist indoctrination in public schools. Then, EJ Antoni, Chief Economist at the Heritage Foundation, breaks down the severity of the U.S. affordability crisis—from housing and groceries to energy and interest rates—and explains what's driving the financial squeeze on American families. Engaging conversation, real solutions, and insight you won't hear anywhere else—all ahead on America At Night. Learn more about your ad choices. Visit podcastchoices.com/adchoices
How is tariff uncertainty affecting the outlooks of small and medium-sized businesses, and how will this impact consumers? Boston Fed Research Director Egon Zakrajšek is part of a team at the Bank investigating this critical, ongoing question. He discusses how the team partnered with a survey research firm to reach out to hundreds of businesses for insights. And he shares key takeaways from the team's findings, including the potential impacts of tariffs on inflation and consumer prices. Egon Zakrajšek is an executive vice president and the director of research at the Boston Fed. Visit bostonfed.org to find his team's three Current Policy Perspectives reports on tariffs: “Who Will Pay for Tariffs? Businesses' Expectations about Costs and Prices,” “Effects of Tariff Uncertainty on the Outlook of Small and Medium-sized Businesses,” and “Small and Medium-sized Businesses' Expectations Concerning Tariffs, Costs, and Prices.” For more interviews and analysis of the economy in New England and nationwide, visit BostonFed.org/SixHundredAtlantic.aspx. Subscribe to our email list to stay updated on new episodes.
This year's Iowa Climate Statement warns that extreme weather is already pushing insurance costs higher for homeowners and farmers. We break down what the data means for the state's future.
Costs creep up when you're feeding a family and homeschooling full-time. Today, Jenny Martin—founder of Southern Savers and homeschool mom of five— shares the simple system that cut her grocery bill by $500 in one month (18 years ago!), how to stock up the right way (without hoarding), where to find the best meat prices, and how to turn everyday shopping into a discipleship lab for financial stewardship. We also hit end-of-year power moves—IRAs, HSAs, insurance choices, and the 30-day “impulse pause” your kids (and you!) can actually use. This episode is a goldmine for homeschool families seeking to manage their finances wisely. Key Topics Covered: The 6-week grocery sale cycle and why buying only what's on sale changes everything Bulk meat the smart way (restaurant supply stores + vacuum sealing) Digital couponing that kids can run (Ibotta, Fetch, store apps) Delivery/pickup realities: when it saves time and when it costs more Homeschool savings: used curriculum, shared labs, fewer-but-better activities Discipleship through money: allowances vs. responsibilities, the 30-day want list Year-end checkups: IRAs (through April), HSA + high-deductible plans, tax withholding tune-up Resources mentioned Southern Savers (Connect with Jenny, grocery lists, weekly deals, Monday 8:30pm ET Q&A) Apps: Ibotta, Fetch, and your store's digital coupons (Publix, Kroger, CVS, Walgreens) Restaurant supply: US Foods Chef'Store, Gordon Food Service (regional) IRS Withholding Calculator (for a quick year-end check) Liberty University / LUOA: K–PhD pathways with a Christ-centered foundation. Teach Them Diligently 2026: Pigeon Forge, TN & Branson, MO (both in May). Buy early for best pricing at teachthemdiligently.net/events. Connect With Us: Instagram: @TeachThemDiligently Facebook: Teach Them Diligently YouTube: Teach Them Diligently Channel Subscribe + Share: If this episode helped you, take a minute to subscribe, rate, and share with another homeschool family. We sure would be grateful! Pack Shoeboxes and Earn Family Passes to Teach Them DiligentlyIf your family, co-op, church group, or community packs at least 25 shoeboxes, we would love to bless you with a free family registration in return. If you're a group, you can use that registration for your leader, as a raffle item or fundraiser, or to bless a specific family in your group. We will donate a registration for every 25 boxes you pack. Click HERE to find out how your group can be involved
"You guys are sons of b******." Nick Wright was going to win a lot of money. The Shipping Container was going to win a lot of money. And then Jeremy ruined everything. But in his defense, he had never been here before, so quite frankly, f*** you. Learn more about your ad choices. Visit podcastchoices.com/adchoices
In this episode of the RV Miles Podcast, we take a look at the surprising expenses that come with full-time RV living. From pre-launch to fuel, remote work, and more. Plus, updates on the end of the shutdown and its effects on national parks, and more. *Become an RV Miles Mile Marker member and get your first month for $3 *Get your FREE weekly Road Signs Newsletter at https://rvmiles.com/mailinglist/ Support our Sponsors: * Harvest Hosts: Save 15% on a Harvest Hosts membership with MILES at https://harvesthosts.com *Find the perfect RV Mattress and save 30% with code RVMILES at https://rvmattress.com/rvmiles *Check out all Blue Ox has to offer at https://BlueOx.com *Find all the RV parts and gear you need at etrailer: https://www.etrailer.com/vehicle-finder.aspx?etam=p0001 *Find Liquified at https://liquifiedrv.com/ Track SSTK_MUSIC_ID 437726– Monetization ID MONETIZATION_ID AMXDXB4BX5FLHUYE 00:00 Introduction 02:28 Impact of the Shutdown on RV Travel 06:45 Ken Burns and the American Revolution 14:05 Unexpected Expenses of Full-Time RVing 21:29 Selling Off Your Belongings 29:54 Travel Costs and Campground Fees 42:03 Healthcare on the Road 49:36 Managing Food and Laundry Costs 55:05 Mailing Services and Remote Work 01:04:11 Fresh Tank - Black Tank
Winter feed costs continue to be one of the greatest determiners of profitability for ranches. Meaning, that more of it we have to do using equipment the less profitable we will be. Brett McRae has been working diligently to find ways to cut down on winter feed costs. One practice that has really moved the needle for him and his operation is grazing standing corn. Today we discuss this practice with him. We talk about how he chooses a field, how he determines forage demand, forage availability, as well as the soil health benefits of this practice.Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:Ranch RightSea-90 Ocean Minerals
Ever feel overwhelmed by your failures before a holy God? Pastor Mike Fabarez reveals how Christ stepped into the role we desperately needed—a perfect representative. We'll learn what it cost him to stand before the father on our behalf, and understand the remarkable benefits secured through his sacrifice.
The price of becoming a doctor can be overwhelming — but understanding your options is key. In this episode, we go deep into medical school tuition, explaining how costs differ between programs, what financial aid options exist, and how to estimate your total investment from start to residency. Like the podcast? Schedule a Free Initial Consultation with our team: https://bemo.ac/podbr-BeMoFreeConsult Don't forget to subscribe to our channel and follow us on Facebook, Instagram, and Twitter for more great tips and other useful information! YouTube: https://www.youtube.com/c/BeMoAcademicConsultingInc Facebook: https://www.facebook.com/bemoacademicconsulting Instagram: https://www.instagram.com/bemo_academic_consulting/ Twitter: https://twitter.com/BeMo_AC TikTok: https://www.tiktok.com/@bemoacademicconsulting
Want to know exactly what you'll be paying for Medicare in 2026? We've got you covered. In this episode, we walk through the official 2026 Part A and Part B premiums, deductibles, and the dreaded IRMAA income brackets. Plus, we'll show how pairing Original Medicare with a Medicare Supplement plan can save you from unexpected costs and give you greater peace of mind.
John Chang breaks down the latest economic and market signals after a week of meetings in New York City. He explains how the temporary government funding deal both alleviates short-term pressures and extends broader uncertainty—impacting GDP, consumer spending, and investor sentiment. John also unpacks capital flows, interest-rate volatility tied to upcoming Federal Reserve changes, and why debt availability is improving even as risk factors persist. He contrasts Sun Belt oversupply with strong performance in low-construction markets, and ultimately argues that today's elevated cap rates and stable debt costs may represent a rare “sweet spot” for long-term investors. Alternative Fund IV is closing soon and SMK is giving Best Ever listeners exclusive access to their Founders' Shares, typically offered only to early investors. Visit smkcap.com/bec to learn more and download the full fund summary. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/ Join the Best Ever Community The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria. Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at www.bestevercommunity.com Podcast production done by Outlier Audio Learn more about your ad choices. Visit megaphone.fm/adchoices
Self-published authors Anne Ditmeyer and Martin Lake share what it really takes to go indie, from choosing platforms and budgeting for editing, design, and ISBNs to redefining success, avoiding scams, and playing the long game of finding readers and building a sustainable writing life. You'll learn:Why Anne and Martin chose self-publishing over traditional routes and how they framed readers as their gatekeepers.How both authors define success beyond bestseller lists, from “book as business card” to improving the craft across 25 books.The real timelines of an indie career, including slow early sales, backlist effects, and why self-publishing is a marathon, not a sprint.What a realistic budget looks like for editing, design, typesetting, audiobooks, and print on demand, plus where they chose to DIY or outsource.How they use platforms such as Kindle Direct Publishing, Lulu, IngramSpark, Draft2Digital, and Shopify, and why most sales still come through Amazon.Practical approaches to marketing that do not require a huge following, including series, mailing lists, events, workshops, and using your existing communities.The role of ISBNs, imprints, metadata, and print on demand for getting into libraries and bookstores, and why in-store placement is harder than it looks.Red flags to watch for with third-party “publishing services” and why due diligence can save you thousands in fees and frustration. Resources and Links:
Following Jesus means surrender. True discipleship calls you to lay down your life and walk in His ways.
This week on The Common Knowledge Podcast, Marcus L-Spade Johnson breaks down how both political parties helped steer the country straight into another government-shutdown standoff — and why keeping the government open should be the bare minimum.Next, we dig into the numbers out of Memphis: 50 days of National Guard deployment cost taxpayers $3.5 million. Was anything actually improved, and what's the long-term plan once the troops leave?Finally, we close out with Trump's brewing PR disaster surrounding the newly resurfaced files — what's in them, why they're damaging, and how this could shake up the political landscape.
Today's conversation is with Andrew Wade, the founder of The Core Values Channel - a platform dedicated to exploring practical, centrist, and economically literate solutions to Britain's biggest challenges.Andrew's background is in UK manufacturing and international trade, selling British products across Europe and Africa. But after seeing first-hand how political and economic decisions were damaging productivity and punishing working citizens, he decided to step forward with his own plan for national renewal.In this conversation, we dive into his detailed proposals for fixing the UK's cost of living crisis, reducing the national debt, and rebuilding a culture of contribution and productivity. Andrew doesn't just critique the current system, he lays out what a sustainable, fair, and growth-focused Britain could look like.Expect to learn:Why Andrew believes Britain needs a new centrist economic movement with real solutionsHow to solve the cost of living crisis without punishing productive workersWhy cutting benefits is essential and how a community service model could workThe problem with importing non-contributing labour and benefit dependencyHow benefit fraud, “sickfluencers,” and policy loopholes distort welfare budgetsWhy job creation must focus on manufacturing and service sector exportsHow Net Zero policies have been hijacked and the hidden costs of wind and solarWhy Scotland's wind contracts and solar subsidies are damaging food securityThe flaws in Gary Stevenson's wealth tax proposal and Andrew's alternativeWhy the UK already has multiple forms of wealth tax (CGT, IHT, Stamp Duty, Council Tax)How to motivate millionaires and billionaires to fund affordable housing projectsThe failure of “envy taxes” and why income tax reform is key to growthHow immigration and youth policy must shift to reward productivity and contributionWhat individuals can do today to protect themselves from the cost of living crisisToday's episode is optimised by Puresport. You can save 10% using code CAMBRO10 - https://puresport.co/CAMBRO10Get my Sales Support - https://colcambro.kit.com/d0dceeb5ffFuel your focus with COLIN10 and Neutonic - https://www.neutonic.com?sca_ref=9669547.luRRrQVs1D2aX&utm_source=uppromote&utm_medium=affiliate&utm_campaign=263773Connect with Andrew WadeYouTube: https://www.youtube.com/@The-Core-Values-MovementLinkedIn: https://www.linkedin.com/in/andrew-wade-16210817/Connect with ColInstagram: https://www.instagram.com/col.cambro/Email List: https://colcambro.kit.com/30bde23b0cPatreon: https://www.patreon.com/ColCampbell
We live in a world that glorifies busyness. A world that rewards “doing it all” - even when “all” leaves us completely drained. Somewhere along the way, we started believing that exhaustion is a sign of worth, and that calm means we're not trying hard enough. But here's the truth: Peace is not laziness. Peace is power. And yet, many of us keep trading it away - little by little - for approval, validation, control, or belonging. We say yes when we mean no. We explain what doesn't need explaining. We take responsibility for emotions that were never ours to carry. And then we wonder why we feel disconnected from ourselves.Today, we're talking about a shift that can change everything: Learning to treat your peace like your most valuable currency - because if something costs you your peace, it's already too expensive.Follow me on instagram for more inspiring, motivational and uplifting content. See you there❤️
What’s the real cost of holiday spending as you approach retirement? This past weekend’s radio show dives into the financial frenzy of the season, the truth about required minimum distributions (RMDs), and why tax planning is more critical than ever. Host Abe Abich shares real stories from local retirees, strategies for Roth conversions, and how a comprehensive retirement roadmap can turn confusion into confidence. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
Philadelphia faces yet more commuter strains as SEPTA cancels a dozen Regional Rail trains this week. Holiday costs are also rising; the average Thanksgiving dinner for 10 now totals $83.65, a 19% increase .State lawmakers plan to vote on a state budget ending the 135-day standoff. The former CEO of the Philadelphia Museum of Art is suing the institution, alleging wrongful termination after raising mismanagement and discrimination concerns. Meanwhile, Netflix will open one of its first U.S."Netflix House" entertainment venues at the King of Prussia Mall this week. Listen to The Week in Philly on KYW Newsradio every Saturday at 5am and 3pm, and Sunday at 3pm. 00:00- Intro 02:08- SEPTA struggles 07:22- State budget passes 13:34- Mendez trail 18:48- Philadelphia Art Museum drama unfolds 24:51- The cost of Thanksgiving rises 30:44 Netflix House To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
Grab my breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcost?utm_source=TJnov152025And if you're interested in franchising but don't know which ones are worth the cost, make sure to check out my 5 Franchises that Make Big Money: https://youtu.be/MPks09QnNcUEver thought about owning a hotel franchise? In this video, I break down one of the most well-known names in hospitality, Hampton by Hilton. From the startup costs to earnings… this one might surprise you. We'll also look at what makes this brand different, and whether it's even realistic for most buyers. If hotel ownership has ever crossed your mind, watch this before making any moves.------------------Considering Investing In A Franchise?
Thinking about buying a Dunkin' franchise? In this video, we break down everything you need to know from their 2024 FDD. You'll learn how much it actually costs to open a Dunkin' in different formats, what regions perform best, and whether this high-traffic brand still delivers strong margins. If you're considering investing in food or coffee franchises, this breakdown will give you key numbers and questions to think about before moving forward.The video with a Dunkin' franchisee who owned 40+ locations: https://youtu.be/iIVCfrGpXrs?si=z-PwcLv2eFOzDiuc------------------Considering Investing In A Franchise?
This week, Jenna, Nick, Shingai and Sameem interview Tanvir Ahmed! Please see the addendum below from Tanvir. Addendum from Tanvir Ahmed: This conversation was recorded in September 2025, and in it, I mentioned that Afghanistan was not presently being bombed. Between then and now, Pakistan bombed Afghanistan and killed dozens from the air, including journalists, cricket players, and children. Pakistan's escalation plans have been broadcast for some time now, as reported in February 2025. The article under discussion in Strange Horizons was about the way Muslims are racialized into monsters, with specific reference to Afghans. That same process is still at work in the ongoing ethnic cleansings of Afghans in Pakistan and Iran. Links mentioned during the show: Brown University's Costs of War Project The Taawon Project for Palestine Lynzy Billing, America's War in Afghanistan Devastated the Country's Environment in Ways That May Never Be Cleaned Up Lynzy Billing, The Night Doctrine (and you can read the original investigation here) Beshara Doumani & Gabi Kirk, Inheriting the Impossible Vajra Chandrasekera's acceptance speech upon winning the 2025 Ursula K. LeGuin prize An interview with Indra Das at Seize the Press with comments on the genocide in Palestine Strange Horizons, Palestine Special Issue (29 March 2021) Samovar, stories from and an interview with Abdul wakil Sulamal Tanvir Ahmed, A Letter Dispatched from the Hills of Afghulistan and the Ramparts of Tarouz (and you can find a fuller list of works here) Support the Show: Patreon Kofi Indie Bound Contact us! JustKeepWriting.org Discord Facebook Instagram YouTube Marshall: Website: www.marshallcarr.com Email: marshall@marshallcarr.com Twitter: @darthpops Nick: Website: www.brightinks.org Email: nicholasbright@brightinks.org Twitter: @BrightInks Wil: Email: wil@justkeepwriting.org Instagram: @wilsartrules Brent: Twitter: @BrentCLambert www.brentclambert.com LP: Email: lpkindred@wandering.shop Twitter: @LPKindred Linktr.ee/lpkindred Now, just keep writing!
Chad opens with a survey showing how fears about the high costs of raising children is impacting the nation's birthrate before two segments of excellent political discussion with Major Garrett of CBS News.
In this episode of On the Record, brought to you by Associated Equipment Distributors, we get a market update from Curt Blades, senior vice president of AEM. In the Technology Corner, Noah Newman catches up with Paul Welbig, director of precision technology for New Holland, for a conversation about the latest outlook for autonomy in agriculture. Also in this episode, Tennessee dealer Tim Brannon sheds some light on how livestock customers are failing compared to their row-crop counterparts and the latest Ag Economy Barometer highlights how farmers may spend government payments.
Cody Wiseman - Wiseman Capital On the Caring for Your Investments: "I don't want to be driving by that in 15 years and seeing it's a dump." Investing in real estate has many benefits, but not all investors are created equal. Cody Wiseman started investing in real estate a few years ago. Through his hard work and care he has built a portfolio, which is great. the exciting thing is that he gets compliments from his tenants and neighbors for the work that he has done to the properties, to lift the neighborhoods to be nicer places to live. Without necessarily raising rents. Affordable luxury, is what he calls it. From the challenges of his very first property renovation, to the ambitious transformation of a rundown motel into affordable luxury apartments, Cody Wiseman shares the behind-the-scenes realities of real estate: sleepless nights, hard-earned lessons, and the creative hustle required to make deals work. Listeners will get an insider's look at how Cody Wiseman partners with local investors, the value of authentic networking—like the Madison Multifamily Meetup that he's grown into the Midwest's largest—and why hands-on leadership and a passionate team matter. Listen as Cody explains his philosophies on real estate investing and how you can apply them to your real estate investments as well. Enjoy! Visit Cody at: https://www.codywiseman.com/ https://Wisemancapitalgroup.com On Instagram: https://www.instagram.com/codyewiseman/ Podcast Overview: 00:00 Wiseman Capital: Local Real Estate Partner 03:30 Real Estate Investment Journey 09:09 Getting Started in Real Estate 10:55 Multifamily Real Estate Networking Event 13:39 "Learning Multifamily & Passive Investing" 18:21 Delegating While Staying Hands-On 22:16 "Journey to Affordable Housing" 23:54 Personal Standards in Property Development 26:37 Community Impact and Urban Transformation 31:08 "Hidden Costs of Rent Explained" 35:00 Property Agreement Protects Long-Term Value 38:49 "Delays, Costs, and Waivers" 40:58 "Proving Creative, Affordable Housing" 45:56 Hardee's Worker Brings Joy 46:48 "Emily Sets Event's Tone" 50:19 "Authenticity in Business Partnerships" 52:49 Navigating Challenges with Confidence Podcast Transcription: Cody Wiseman [00:00:00]: Average rents in Madison, you know, 15, 1600 bucks. Our average rent is a little over a thousand bucks. James [00:00:04]: Wow. Cody Wiseman [00:00:05]: Brand new. I market it as affordable luxury. So people are like, what, what is that? How do you do? Well, let me tell you, we have all of the amenities that you're going to have with a brand new class a ground up deal in downtown Madison. Pool, pool, fitness co working areas, bike parking and storage, dog park, dog wash. James [00:00:30]: You have found authentic Business Adventures, the business program that brings you the struggle stories and triumphant successes of business owners across the land. Today we're welcoming slash, preparing to learn from Cody Wiseman of Wiseman Capital Group. So Cody, how's it going today? Cody Wiseman [00:00:45]: Excellent. Thank you so much James for having me. I'm excited to be here. It's a beautiful studio you have and so close to home. James [00:00:51]: Indeed. So nice. Tell me a story. What is Wiseman Capital Group? Cody Wiseman [00:00:55]: Yeah, so Wiseman Capital, I founded this company back in 2022 and so we're a real estate investing firm really focused in the greater Madison area, multifamily specific. So at the end of the day what it is is we partner with everyday people to invest in real estate together. So that's, that's the beautiful thing about it is a lot of times people are, hey, how do I invest in this building that I see getting put up in Madison or these apartment buildings? They think it's just a big investment firm or something like that. But Wiseman Capital is partnering just with everyday people, a lot of local Madison people,
The salient point of our discussion centers on the nuanced dichotomy within the furniture market, where a reported year-over-year sales increase of 4.9% in October belies a troubling decline in actual transaction volume, which fell by 6.1%. This phenomenon indicates that the growth is largely attributable to escalated prices rather than an uptick in consumer purchasing activity, a situation exacerbated by tariff impositions and inflationary pressures that weigh heavily on the industry. We also delve into notable corporate developments, such as J and K Home Furnishings' strategic acquisition of Infinger Furniture, which not only signifies market expansion but also emphasizes a commitment to sustainability through substantial renovations aimed at achieving a 93% eco-friendly operation. Furthermore, we examine the evolving landscape of supply chain dynamics, particularly the significant reductions in global container freight rates, juxtaposed against rising costs on transcontinental routes. Lastly, we address pressing consumer safety issues arising from recalls in the sector, underscoring the imperative for manufacturers to adhere rigorously to safety standards to protect vulnerable populations, particularly children.The intricate landscape of the furniture industry is currently experiencing a confluence of growth and challenge, as evidenced by the latest data released by Fiserv. The reported 4.9% increase in sales at furniture stores for October paints a picture of burgeoning market vitality. However, a more granular examination reveals a disconcerting 6.1% decline in actual transaction volumes, indicating that the sales surge is not a result of increased consumer activity, but rather a consequence of elevated prices driven by ongoing tariffs and inflationary pressures. This dichotomy prompts a critical reflection on the sustainability of such growth amidst a backdrop of economic uncertainty, highlighting the need for industry stakeholders to recalibrate their strategies in response to these evolving market dynamics.In a significant corporate development, J and K Home Furnishings has strategically acquired Infinger Furniture, a well-established retailer in South Carolina, thereby expanding its market presence into the Charleston area. This acquisition is not merely a transactional event; it represents a broader strategic initiative aimed at enhancing operational efficiencies and embracing sustainability within the retail framework. J and K's ambitious plans for a comprehensive remodel of the Infinger location, including the installation of solar panels and a commitment to achieving a 93% green certification, exemplify a forward-thinking approach that aligns with contemporary consumer values surrounding environmental responsibility. Furthermore, the establishment of a local warehouse is poised to streamline logistics and improve service delivery, thereby positioning the company favorably within a competitive marketplace.As the discussion progresses to supply chain dynamics, the podcast elucidates the recent downward trend in global container freight rates, particularly a notable 15% drop for shipments from Shanghai to New York. This decline can be largely attributed to the completion of pre-holiday import activities by U.S. retailers, resulting in diminished demand for container space. In stark contrast, rising shipping costs on Asia-Europe routes signal the complexities and variances inherent in global logistics. Such fluctuations necessitate agility and foresight from retailers as they navigate the evolving landscape of supply chain management. The podcast also brings to light critical consumer safety concerns, particularly regarding the significant recalls of non-compliant clothing storage units, which underscores the imperative for manufacturers to adhere to safety regulations. The convergence of these themes ultimately reinforces the necessity for industry vigilance and adaptability in...
Rising electricity prices are a major driver of headline inflation, putting pressure on households and Australia's 2.6 million small business owners. Some are beating the odds – here's how.
Even the most well-intentioned brands have friction hiding in their customer journeys — small moments that quietly push ideal customers away. In this episode, Inclusive Marketing and Customer Experience Strategist Sonia Thompson reveals her Friction Finder Growth Audit framework to uncover and fix the hidden friction blocking your customer experience and limiting brand growth. Get the Inclusion & Marketing Newsletter -- www.inclusionandmarketing.com/newsletter
The U.S. government shutdown cut off funding for a crucial food program; a grocery store owner says he's heartbroken to see his customers suffering -- and he has a special message for Donald Trump. A survivor of a deadly typhoon in the Philippines tells us about the day she lost her home -- and how she's hoping to make fossil fuel giants pay. A small-town Kansas newspaper receives a hefty settlement and an apology -- two years after local police raided its offices and the home of its editor. The widow of Alex Tilley -- inventor of the Tilley hat -- tells us what elevated the cotton duck cap from sailing accessory to Canadian classic.We've picked a pack of tickled pipers. 374 bagpipers, to be exact -- who came together in Australia to play along to a certain AC/DC song, at an event that turned out to be a big honking deal. You had us at 'gull-oh'. A scientist plays to our love of seagull stories with new research into the best method of scaring one off when they are trying to eat your food -- one of which is a roaring success. As It Happens, the Wednesday Edition. Radio that's always moving the gull posts.
Kansas and Missouri Can Do THIS NOW to Help with Costs: Will They Go After Trial Attorneys? | Mundo Clip 11-13-25See omnystudio.com/listener for privacy information.
Thursday November 13, 2025XXII Week After Pentecost
In This Video I Help You:✨Get clear on how to know if you're in the WRONG relationship✨How to know if it's your will vs Gods will.✨How a good relationship SHOULD feel. Our Next Steps Together:
Is Jesus your spiritual life coach or your literal lifesaver? Pastor Mike Fabarez exposes the profound difference between these two views of Christ. He explains why Jesus didn't come to augment your life but to rescue it from divine wrath. Prepare for a perspective shift that truly changes everything.
More To The Story: About 2,100 people are on death row in America. Some have been there for decades, in part because executions have been on the decline in the US. But that's changing. So far this year, 41 people have been executed, up from 25 last year, and six more executions are scheduled. Early in his second term, President Donald Trump signed an executive order reinstating federal executions while encouraging states to expand the use of capital punishment. One man has seen many of these executions up close. The Reverend Jeff Hood is an Old Catholic Church priest, an ordained Baptist minister, a racial justice activist, and something of a go-to spiritual adviser for many currently on death row. On the day of the execution, he goes inside the chamber for the final moments of people's lives. On this week's More To The Story, Hood sits down with host Al Letson to describe his work as an advocate for death row inmates, what it's like being a white Southern reverend vocally advocating for racial justice, and how capital punishment in the US today illustrates American society's increasing movement in a more violent direction.Producer: Josh Sanburn | Editor: Kara McGuirk-Allison | Theme music: Fernando Arruda and Jim Briggs | Copy editor: Nikki Frick | Digital producer: Artis Curiskis | Deputy executive producer: Taki Telonidis | Executive producer: Brett Myers | Executive editor: James West | Host: Al Letson Donate today at Revealnews.org/more Subscribe to our weekly newsletter at Revealnews.org/weekly Follow us on Instagram and Bluesky Listen: In Bondage to the Law (Reveal)Read: Louisiana Is Executing Prisoners Again. His Case Shows the Costs. (Mother Jones) Read: The Last Face Death Row Inmates See (Rolling Stone)Learn more: Death Penalty Information Center Learn about your ad choices: dovetail.prx.org/ad-choices
Ethereum hasn't reached full speed yet. Now it might. Justin Drake of the Ethereum Foundation outlines Lean Ethereum, a plan to optimise the stack so validators stop executing and start verifying. With zk proofs in under 12 seconds and on-prem provers around 10 kW, the base layer can reach gigagas capacity and roughly 10,000 TPS while getting more decentralized. Add Fossil, seconds-level finality, and post-quantum signatures, and the changes stick. We unpack the EthProofs race, the four-phase path to mandatory proofs, the three-times-a-year gas target in EIP-7938, and why native rollups could remove gas ceilings for L2s. If you're wondering whether Ethereum can scale without turning into a data center chain, this is the roadmap. ---
Travel Protection Find us on Youtube - please like and subscribe! Looking to plan a Disney World or Disneyland vacation? Let Joe do all the hard work for you, helping you get the best discount, at no cost to you as your travel agent. Get started by e-mailing josephcheung@travelmation.net today! Episode Description Is Disney's travel protection worth it? We detail costs, what is supposedly included and covered, discuss situations that Joe has dealt with, and a whole lot more. We discuss Disney World, Disneyland, and Disney Cruise Line travel protection options. Do you like to buy travel protection from Disney? Let us know by e-mailing disneydeciphered AT gmail DOT com, messaging us on social media, or leaving a comment on our Youtube page. You can also follow us on Instagram! Episode Notes (all timestamps are approximate) 3:08 - What does Disney travel protection cover at the parks? 7:31 - Costs and pricing 11:27 - Is Disney's travel protection worth it? 19:04 - Disney Cruise Line travel protection policy 26:30 - What to consider with DCL travel protection 32:27 - Other options 35:44 - Disney dos and don'ts If we've helped you to plan your trip and you'd like to thank us we'd appreciate you considering a one time donation. Or if you'd like to receive bonus content, check out our Patreon page and our special subscriber only content! You can also support the show by buying tickets (if they're the best deal, of course) using our Undercover Tourist link or signing up for Mouse Dining through our link. If you like what you hear, please share and subscribe! Find us on Apple Podcasts, Spotify, TuneIn, PlayerFM, iHeartRadio, or Google Podcasts (please leave a positive review if you're enjoying the show), like our Facebook page, or follow us on Bluesky and Instagram! Connect with Leslie @TripsWithTykes on social media and Joe @asthejoeflies.
The House right now is paving a path for a final vote to end the government shutdown even as MAGA diehards aren't buying Trump's spin on the economy. Plus, new details about Ghislaine Maxwell's VIP treatment in prison. Learn more about your ad choices. Visit podcastchoices.com/adchoices
In this episode of "Money Meets Medicine," hosts Justin Harvey and Dr. Jimmy Turner discuss the financial pros and cons of working as a 1099 independent contractor versus a W-2 employee, focusing on tax implications, benefits, and administrative responsibilities. The hosts emphasize the need for professional financial guidance and encourage listeners to carefully weigh all factors—including taxes, benefits, and personal preferences—when evaluating job offers in medicine.Looking for disability insurance from a souce you can trust? Get a quote from Money Meets Medicine Disability InsuranceTimestamps by PodSqueezeCertainly! Here are the top 5 bullet points, keeping the same format, content, and context: Introduction to 1099 vs W-2 (00:00:00)** Hosts introduce the episode's focus: comparing 1099 contractor and W-2 employee pay for medical professionals. Highlights: Tax Differences: Employer vs Employee Side (00:07:29)** Apples-to-Apples Comparison: Taxes, Malpractice, Benefits (00:10:41)** Complexity and Costs of Self-Employment (00:17:28)** Rule of Thumb: 1099 Should Pay 20–30% More (00:25:15)** Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Krystal and Saagar discuss Dems wave white flag, Trump blames Biden for affordability, Maxwell living sweet life in Club Fed. AIPAC Tracker: https://www.trackaipac.com/ To become a Breaking Points Premium Member and watch/listen to the show AD FREE, uncut and 1 hour early visit: www.breakingpoints.comMerch Store: https://shop.breakingpoints.com/See omnystudio.com/listener for privacy information.