Podcasts about cut costs

I am Jason Green-Lowe, the executive director of the Center for AI Policy (CAIP). Our mission is to directly convince Congress to pass strong AI safety legislation. As I explain in some detail in this post, I think our organization has been doing extremely important work, and that we've been doing well at it. Unfortunately, we have been unable to get funding from traditional donors to continue our operations. If we don't get more funding in the next 30 days, we will have to shut down, which will damage our relationships with Congress and make it harder for future advocates to get traction on AI governance. In this post, I explain what we've been doing, why I think it's valuable, and how your donations could help. This is the first post in what I expect will be a 3-part series. The first post focuses on CAIP's particular need [...] ---Outline:(01:33) OUR MISSION AND STRATEGY(02:59) Our Model Legislation(04:17) Direct Meetings with Congressional Staffers(05:20) Expert Panel Briefings(06:16) AI Policy Happy Hours(06:43) Op-Eds & Policy Papers(07:22) Grassroots & Grasstops Organizing(09:13) Whats Unique About CAIP?(10:26) OUR ACCOMPLISHMENTS(10:29) Quantifiable Outputs(11:21) Changing the Media Narrative(12:23) Proof of Concept(13:44) Outcomes -- Congressional Engagement(18:29) Context(19:54) OUR PROPOSED POLICIES(19:58) Mandatory Audits for Frontier AI(21:23) Liability Reform(22:32) Hardware Monitoring(24:11) Emergency Powers(25:31) Further Details(25:41) RESPONSES TO COMMON POLICY OBJECTIONS(25:46) 1. Why not push for a ban or pause on superintelligence research?(30:17) 2. Why not support bills that have a better chance of passing this year, like funding for NIST or NAIRR?(32:30) 3. If Congress is so slow to act, why should anyone be working with Congress at all? Why not focus on promoting state laws or voluntary standards?(35:09) 4. Why would you push the US to unilaterally disarm? Don't we instead need a global treaty regulating AI (or subsidies for US developers) to avoid handing control of the future to China?(37:24) 5. Why haven't you accomplished your mission yet? If your organization is effective, shouldn't you have passed some of your legislation by now, or at least found some powerful Congressional sponsors for it?(40:56) OUR TEAM(41:53) Executive Director(44:04) Government Relations Team(45:12) Policy Team(46:08) Communications Team(47:29) Operations Team(48:11) Personnel Changes(48:49) OUR PLAN IF FUNDED(51:58) OUR FUNDING SITUATION(52:02) Our Expenses & Runway(53:02) No Good Way to Cut Costs(55:22) Our Revenue(57:02) Surprise Budget Deficit(59:00) The Bottom Line--- First published: May 7th, 2025 Source: https://forum.effectivealtruism.org/posts/9uZHnEkhXZjWzia7F/please-donate-to-caip-post-1-of-3-on-ai-governance --- Narrated by TYPE III AUDIO.

"We cut their supply cost in more than half." Connect With Our SponsorsGreyFinch - https://greyfinch.com/jillallen/MyOrthoVA - https://www.myorthova.com/get-startedSmileSuite - http://getsmilesuite.com/ Summary In this engaging conversation, Jill and Mari Sawtelle discuss the evolution of Mari's career in orthodontics, the establishment and impact of Mary's List, and the importance of understanding supply costs and the gray market in the industry. They explore strategies for cost management in orthodontic practices and the benefits of joining buying groups. Mari emphasizes the need for transparency and efficiency in purchasing, while also sharing insights on how to navigate the challenges faced by orthodontists today. Connect With Our Guest Mari's List - https://marislist.com/ Takeaways Mari Sawtelle has a rich history in orthodontics spanning over 40 years.Mary's List has grown to become the largest orthodontist-exclusive buying group in the U.S.Understanding supply costs is crucial for orthodontists to manage their expenses effectively.The gray market poses significant risks to orthodontic practices, including liability issues.Buying groups can offer substantial savings and transparency in pricing.Efficient ordering systems can save time and reduce costs in orthodontic practices.Orthodontists should be cautious of companies that engage in gray market practices.Regular coaching and support can help practices optimize their supply management.Investing early can lead to better financial security in the long run.Networking and community engagement are vital for growth in the orthodontic field.Chapters 00:00 Introduction and Background of Mari Sawtelle05:36 The Impact of Mary's List on Orthodontics06:07 Understanding the Gray Market in Orthodontics10:33 The Importance of Buying Groups17:32 Strategies for Cost Management in Orthodontic Practices22:43 Advice for New and Existing Orthodontists29:50 Conclusion and Future Engagements Are you ready to start a practice of your own? Do you need a fresh set of eyes or some advice in your existing practice?Reach out to me- www.practiceresults.com.     If you like what we are doing here on Hey Docs! and want to hear more of this awesome content, give us a 5-star Rating on your preferred listening platform and subscribe to our show so you never miss an episode.    New episodes drop every Thursday!    Episode Credits:  Hosted by Jill AllenProduced by Jordann KillionAudio Engineering by Garrett Lucero

Tesla's first-quarter adjusted profits dropped 39 per cent and the IMF has downgraded outlooks for G7 nations and big economies such as China and India. Plus, we take a look at whether BP can turn things around to catch up with its rivals. Mentioned in this podcast:Elon Musk to prioritise Tesla over White House role as profits slumpIMF warns of rising US recession risk and defends Fed policyVladimir Putin offers to halt Ukraine invasion along current front lineWill going back to basics restore BP's fortunes?Donald Trump says he has ‘no intention' of firing Jay PowellThe FT News Briefing is produced by Fiona Symon, Sonja Hutson, Kasia Broussalian, Ethan Plotkin, Lulu Smyth, and Marc Filippino. Additional help from Katie McMurran, Breen Turner, Sam Giovinco, Peter Barber, Michael Lello, David da Silva and Gavin Kallmann. Topher Forhecz is the FT's executive producer. The FT's global head of audio is Cheryl Brumley. The show's theme song is by Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

https://www.youtube.com/watch?v=jR1hMlmuFNA&t=1sToday, we're highlighting Josh's appearance on a standout episode of Digital Hospitality with host Shawn Walchef. They explore the power of storytelling in business, the surprising ROI of podcasting, and the evolving world of restaurant tech. From menu engineering to system integration, the conversation dives deep into the real-world challenges restaurant owners face—including the lessons that only come through failure. Josh also speaks candidly about the value of mentorship and offers actionable advice for aspiring restaurateurs—focusing on what truly drives success: profitability, innovation, and the ability to adapt in a fast-changing industry.Links and resources

ACA Reporting just got a major overhaul — and for once, it's GOOD news!In this episode of Don't HR Alone, Rhamy Alejeal (CEO of People Processes) breaks down the 5 Big ACA changes for 2025, including:• Less paperwork• Flexible deadlines• Easier electronic distribution• Reduced IRS penaltiesLearn how to take full advantage of these updates to simplify your ACA reporting, stay compliant, and avoid costly mistakes.

Hey Mama!    Are you tired of trying to figure out what to serve morning, noon and night? Do you wish groceries were cheaper and less of a hassle to get? Are you ready for a simpler cost effective way to shop for your groceries?    Me too! That is why I have been researching for some better ways to meal plan, not only because I'm tired of having to sit down and come up with a new meal plan every 2 weeks, but also because I am craving some consistency and searching for ways to cut costs. I finally have found some and tried them out and now I'm going to share them with you!    So go cuddle up with a nice warm drink, get comfy with them babies and open your heart to God as we head into today's episode.    Much Love    Molly    P.S. I am offering Budget Audits to help you learn what it takes to fix your finances. Go to calendly.com/mollybenell and book your call today.  . . . Next Steps:  . Book your Budget Audit  . Join The One Income Family Community  . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com . Resources:  34.Looking to Cut Costs? The Benefits of a Bi-Weekly Grocery System.  36.4 Reasons You Can't Stick to Your Grocery Budget and What to Do So That You Can 39. Is Your Grocery Budget Getting the Best of You? 4 Ways to Simple Living in the Kitchen That Also Saves You Money 46. Keep Down the Overwhelm With This Simple Beginners Meal Planning System

Are you struggling to hit your fundraising goals? Here's the truth: 70% of your fundraising should be done before your event even begins! In Episode 13 of the "Hey Nonprofits" podcast, hosts Trevor Nelson and Jason Ledlow break down why pre-event fundraising is crucial for nonprofit success. Learn how to engage sponsors early, use personal connections to build momentum, and secure the financial support you need—well before the big day.This episode dives into practical strategies like leveraging existing sponsor relationships, tailoring sponsorship packages to your audience, and the power of transparency to build donor trust. As Trevor and Jason highlight, “Donors won't give unless they feel connected—relationships matter more than you think.” You'll also hear tips on how gratitude and recognition can foster ongoing support and ensure donors feel appreciated.Whether you're a nonprofit leader, development director, or volunteer, this conversation will inspire you to rethink your approach to nonprofit events and equip you with actionable advice to reach your fundraising goals. Tune in now to discover innovative ideas, success stories, and strategies you can start using today to make your next event a success!This video is perfect for anyone looking to modernize their fundraising strategies, achieve better work-life balance while planning events, and connect deeply with donors. Don't forget to leave a comment on what works for your nonprofit and subscribe to the "Hey Nonprofits" podcast for more fundraising tips and ideas!Chapters:0:00 Start Early for Fundraising Success2:15 Why 70% Happens Before the Event5:46 From Casual Gathering to Fundraising Win7:52 Leverage Existing Sponsor Relationships11:39 Build Donor Trust with Transparency13:26 Turn New Donors into Loyal Supporters16:58 Relationships Are the Key to Success18:39 Connect Beyond Organizations22:14 Tailor Sponsorships to Your Audience23:55 Recognize Sponsors for Ongoing Support27:27 Secure Sponsors with Honest Talks29:12 Benefits of Engaging Sponsors Early32:36 Exclusive Pre-Events Boost Interest34:20 Drive Engagement with Exclusivity37:46 Gratitude Builds Long-Term Support39:35 Strengthen Connections During Events42:53 First Impressions Matter44:43 Creative Sponsorship Ideas47:57 Cut Costs with Corporate Sponsors49:41 Pre-Event Hacks for More Funds52:59 Jason's Sponsorship Coaching Tips54:49 Stretch Goals to Unlock Donations

Mark Newman, CEO of Nomi Health, focuses on building an operating system for self-insured healthcare to lower costs, remove friction, and simplify the transaction process for employers and providers. Nomi emphasizes holistic preventative healthcare by eliminating barriers like deductibles and copays to encourage the utilization of primary care, mental health, and other services.  The company leverages technology, AI, and asynchronous care to improve access to diverse communities, including Spanish-speaking and low-income workers. Mark explains, "Our model, starting from scratch and starting from a blank sheet of paper, is focused on getting providers out of the collection business so they can focus on the care business. Simplifying the entire transaction of buying and paying for healthcare has been a revolutionary way for our customers to cut their healthcare costs by 20% to 30%. And someday, I think we can hit 50%." "Last time I checked the cost curve in American healthcare has not slowed down and has done nothing but accelerate. So, in my book, I think value-based care has pretty much failed and has been more of a pipe dream versus reality. Our world is how do we take the same doctors, same care and cut 25% of the cost out of it by removing all the friction and pain points and ambiguity and noise as it relates to what an employer pays for healthcare and what a provider collects for delivering that healthcare. We're betting on our model and hope for the best on things like value-based care or other models, but we haven't seen the results delivered yet."  #NomiHealth #HealthcareIndustry #HealthInsurance #Healthcare #HealthcareCEO  nomihealth.com Download the transcript here

Mark Newman, CEO of Nomi Health, focuses on building an operating system for self-insured healthcare to lower costs, remove friction, and simplify the transaction process for employers and providers. Nomi emphasizes holistic preventative healthcare by eliminating barriers like deductibles and copays to encourage the utilization of primary care, mental health, and other services.  The company leverages technology, AI, and asynchronous care to improve access to diverse communities, including Spanish-speaking and low-income workers. Mark explains, "Our model, starting from scratch and starting from a blank sheet of paper, is focused on getting providers out of the collection business so they can focus on the care business. Simplifying the entire transaction of buying and paying for healthcare has been a revolutionary way for our customers to cut their healthcare costs by 20% to 30%. And someday, I think we can hit 50%." "Last time I checked the cost curve in American healthcare has not slowed down and has done nothing but accelerate. So, in my book, I think value-based care has pretty much failed and has been more of a pipe dream versus reality. Our world is how do we take the same doctors, same care and cut 25% of the cost out of it by removing all the friction and pain points and ambiguity and noise as it relates to what an employer pays for healthcare and what a provider collects for delivering that healthcare. We're betting on our model and hope for the best on things like value-based care or other models, but we haven't seen the results delivered yet."  #NomiHealth #HealthcareIndustry #HealthInsurance #Healthcare #HealthcareCEO nomihealth.com   Listen to the podcast here

I am excited to introduce Efficient Friday! Each week, in 10 minutes or less,  I want to share a super tactical tip, idea, process, hack, etc with you that you can implement in your business right away!I hope you enjoy this new format and I look forward to delivering super fast tips & tricks with you! You can also watch this Efficient Friday as a video on The Efficient Advisor's YouTube Channel!And yes, these are replacing the weekly ideas to implement episodes! Thanks for letting me try something new! In today's episode, we'll discuss:

49ers Insider for KNBR & NBC Sports Bay Area, Matt Maiocco joined Murph & Markus this morning to explain why the 49ers re-signed Kyle Juszczyk, when the team wants to cut costs & get youngerSee omnystudio.com/listener for privacy information.

49ers Insider for KNBR & NBC Sports Bay Area, Matt Maiocco joined Murph & Markus this morning to explain why the 49ers re-signed Kyle Juszczyk, when the team wants to cut costs & get youngerSee omnystudio.com/listener for privacy information.

How do you cut costs without cutting staff? My guest today, Lynn Wise, gives you the answer to this question and more. Lynn is the CEO of Contractor in Charge, a company dedicated to helping home service businesses by providing trained customer service pros and bookkeeping assistance. Free P&L Statement and Balance Sheet https://tinyurl.com/2rjd6wxu Ruth King Twitter - @RuthKing LinkedIn - https://www.linkedin.com/in/ruthking1/   Podcast Produced by Nick Uttam https://www.linkedin.com/in/nick-uttam-4b33a1147

Curious about how outsourcing administrative and creative tasks to a virtual assistant could boost your business? Evolve Systems wants to help! Find over 200 implementation ideas for free at https://evolvesystems.ai/ Evolve Systems City: Spokane Address: 100 North Howard Street Website: https://evolvesystems.ai Phone: +1-425-491-1149 Email: hello@evolvesystems.ai

Today on “The Building Code,” Charley and Courtney are chatting with long-time podcast listener, Lucas Comstock, owner and superintendent at JC Builders. Lucas's career began at a young age, working summers during high school under his father. Since 2010, he has worked in various capacities to help guide the business into the next generation. Listen to the full episode to hear more about Lucas's story and how he's using Buildertrend's Group Purchasing feature to save with cashback and discounts.     Learn more about JC Builders: https://www.jcbuilds4u.com/   Check out the benefits of Buildertrend Group Purchasing: https://buildertrend.com/materials-builders/   Read the shownotes for this episode here: https://buildertrend.com/podcast/the-building-code/259-lucas-comstock/   Join “The Building Code” Facebook group: https://www.facebook.com/groups/thebuildingcodecrew/   FACEBOOK: https://www.facebook.com/buildertrend/ INSTAGRAM: https://www.instagram.com/buildertrend/  TWITTER: https://twitter.com/Buildertrend/ YOUTUBE:  / @buildertrend LINKEDIN: https://www.linkedin.com/company/buildertrend #Buildertrend #BuiltWithBuildertrend #ConstructionSoftware #GroupPurchasing

Layoffs may seem like an easy way for companies to cut costs, but the data tells a different story. In this episode, we dive deep into the financial, operational, and cultural consequences of layoffs, showing how they often backfire by increasing expenses, tanking stock prices, and damaging long-term growth.

Margaret Tweet discusses the rising costs of the I-5 Bridge replacement project and questions the necessity of light rail. Learn more about the financial impact and transit priorities at https://www.clarkcountytoday.com/opinion/opinion-cut-costs-on-i-5-bridge-replacement-project/ #I5Bridge #transportation #publicspending #ClarkCountyWa #localnews

Stephen Grootes speaks to Dr Rajesh Patel, Head: Health System Strengthening at the BHF about the government's policy shift allowing collective determination of tariffs in the healthcare sector, potentially reining in runaway medical costs.See omnystudio.com/listener for privacy information.

Manchester United continue to make redundancies in the terms of staff however should Jim Ratcliffe be looking in other areas to make money for the club?! Join Jay, McKola and Joe for Off The Bar! Become a member! - https://www.youtube.com/channel/UC7w8GnTF2Sp3wldDMtCCtVw/join Chapters: 0:00 - Intro 0:46 - Job Cuts 6:03 - Modern Vs Old Standards 9:53 - Rashford 12:46 - Failed Signings 16:45 - INEOS' Manages At Nice 25:10 - Current Salaries 31:37 - Wage Bill Cuts 35:19 - Outro Stretford Paddock has content out EVERY DAY, make sure you're subscribed for your Man United fix! - https://bit.ly/DEVILSsub

Shoot us a Text.Happy Super Bowl parade day, Eagles fans! Happy Valentine's Day to the rest of you! Today, we're breaking down how Chinese OEMs are able to build lower cost vehicles with more speed than traditional OEMs. Plus, we look at Toyota's plans for more inventory in 2025 and a history of Valentine's Day candy.Show Notes with links:A teardown analysis by Caresoft Global Technologies reveals that Chinese automakers are rapidly surpassing the Detroit 3 in cost efficiency, speed, and innovation. While legacy automakers struggle with outdated manufacturing methods, Chinese brands are cutting costs, streamlining production, and expanding aggressively into global markets.Detroit automakers use 12 rare-earth magnets and steel brackets to secure headliners, while Chinese automakers achieve the same result with inexpensive adhesive strips; similarly, Detroit 3 EVs rely on costly aluminum braces, whereas Chinese EVs use lighter, more affordable plastic or thin metal brackets.Meetings with Chinese automakers take one week compared to two months with German OEMs and nine months for a purchase order from a legacy automaker.At a Caresoft presentation in China, 700 employees showed up on a Saturday—a level of commitment rarely seen in the U.S.Toyota is pushing for increased production and sales in 2025 after a strong 2024, despite supply chain hurdles and stop-sales. The company saw record accessory sales, nearly record parts sales, and a 3% increase in U.S. light-vehicle sales, totaling 1.99 million units.Toyota built over 2 million vehicles in North America in 2024 and plans to increase output in 2025 to improve inventory levels.Toyota dealers have adapted to a lean inventory, high-throughput model, preselling vehicles and managing allocations efficiently.Hybrids and plug-in hybrids made up 43% of U.S. sales in 2024, up from 29% in 2023. Toyota expects 50%+ in 2025, rising to 60-70% long-term as its North Carolina battery plant boosts hybrid production.After weather disruptions at the NADA Show in January, Toyota executives and retailers met virtually this month, where brand head Dave Christ emphasized the company's focus for the year: “Our message [for 2025] is very simple: It's build more and sell more.”Valentine's Day remains a battle between flowers and candy, with 56% of celebrants purchasing candy and 40% buying flowers in 2024. Despite candy's popularity, flower sales ($2.9B) edged out candy sales ($2.5B). Over the years, candy brands have introduced creative and sometimes bizarre Valentine's treats.Here are some key moments in Valentine's Candy History:1868: Cadbury debuts the first heart-shaped candy box.1902: Necco produces its first conversation hearts with sayings like “Be Mine.”2019: Smarties Candy Co adds the sayings “Swipe Right,” “Text Me,” and “YOLO” to their conversation hearts2024: Protein-packed “Meathearts” beef jerky is introduced. Printed sayings include “Meat Me” and “Beef MineHosts: Paul J Daly and Kyle MountsierGet the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/ Read our most recent email at: https://www.asotu.com/media/push-back-email

There are a lot of advantages to being a freelancer. One of them is that you can work from anywhere. No need for a brick-and-mortar location means saving money. It's also pretty nice that WordPress is free to use. A savvy business owner can get started without spending a lot. Even so, there are some significant costs involved. A quality web host isn't cheap. And the WordPress ecosystem is known for its wealth of subscription models. You'll also pay out the nose for internet service, hardware, and experts like accountants. Your spending can add up quickly – more than you realize. And keeping track can be cumbersome. Subscriptions renew on different dates and vendors don't always alert you. Prices go up – including those tempting promotional deals you signed up for. Before you know it, your bank account is running low. Thankfully, there are plenty of opportunities to save money. A little research will help you identify unnecessary costs and ways to cut corners. The result is a boost to your bottom line with minimal sacrifice. It's easier than you think! Let's look at ways to cut costs for your WordPress freelance business. How Much Are You Spending?The first step to cutting costs is to understand how much you spend. That will let you know where you stand and you can compare the totals after you've made some budget cuts. It requires keeping track of what you spend. Accounting software or a spreadsheet will help you stay informed. Short of that, you can look through bank statements for the details. Look for any purchases related to your business, such as:Web hosting fees; WordPress plugin and theme subscriptions; Software-as-a-service (SaaS) subscriptions; Professional services like accountants and lawyers; Marketing costs like advertising and email list services; Memberships in professional organizations or clubs (like The WP Minute);Those are the basic costs coming out of your pocket. However, there may also be items that aren't so obvious. For example, consider payment gateway fees. Services like PayPal and Stripe collect a fee each time you receive a payment. The bigger the payment, the more they take out. The cost can be significant, so it's something to be aware of as you consider spending. Dig deep to learn how much money is leaving each month. You might be surprised at what you find. Look for Corners to Cut and Places to SaveOnce you have a list of items that cost you money, you might find a few that are no longer needed. That could be anything from an app you don't use to an add-on to your hosting account. For instance, themes and plugins often collect virtual dust. Pay particular attention to items you purchased during Black Friday or similar sales. If you don't actively need them, they're raiding your bank account. Cancel them before their next renewal. You might also find products or services you can cut back on. Many subscriptions are tiered and offer more features for a higher fee. Do you need the level of service you're paying for? If not, that's a good place to save cash. Web hosting is a common area in which to overspend. If you don't need the storage and bandwidth allotted to your account, it's OK to downgrade. Oh, and don't forget about any domains you own. They're easy to buy when an idea pops into your head. But what if you didn't follow through with the project? Each renewal is just a yearly reminder of our procrastination. You might as well cancel or try to resell them. It's easy to collect items you don't need. Maybe they once served a purpose. Or perhaps you were waiting for the right time to use them – and the time never came. The good news is that you can eliminate them just as easily.Find Cheaper Ways to Get What You NeedThere are also ways to save money on the things you need. Sometimes, it requires a little work or patience, but it is often well worth the effort. Product bundles are a good example. Some WordPress plugin authors will give you a deal when licensing multiple items. It makes sense when you're working within ecosystems like WooCommerce. Just be sure that you'll use everything that's included. Timing also matters when it comes to making a purchase. As we mentioned, Black Friday deals can tempt us to buy things we don't need. But it's also the right time to grab a product that we have a use for. Some sellers even discount renewals or upgrades to existing customers. Keep an eye out for these opportunities. You can also negotiate pricing with some companies. Internet and cell phone providers often renew contracts at higher rates. When it's time, contact them and ask for a lower price. It's not always convenient, but it works. Cheap or free alternatives are also out there. It's not always feasible to replace a key plugin on your website. However, apps like photo editors and word processors are easier to swap. You could save quite a bit using open-source tools or commercial products built by smaller companies. Products that employ artificial intelligence (AI) also offer potential savings. Services like ChatGPT can perform menial tasks and automate them. They could eliminate the need for some more expensive apps. You don't have to settle for paying high prices for the tools and services you need. Being a smart shopper can pay off for your business. Every Dollar Counts - Save Where You CanFreelancing may not have the same costs as a traditional business. That doesn't mean your expenses are insignificant, though. Out-of-control spending makes it harder to stay afloat. And prices keep going up. So, take charge of your bottom line. Keep track of what you spend and look for areas to make cuts. Consider what you buy, when you do it, and how it impacts your business. You're sure to find items that aren't worth your money. Meanwhile, look for creative ways to stretch your money. Find deals and take advantage of them when it makes sense. Get the best price for the things you need or find free alternatives. The WordPress ecosystem is large with multiple options for everything a freelancer needs. A little effort will go a long way toward improving your finances. There's no better time to start than right now. ★ Support this podcast ★

The Government's set to sell off high-priced Kainga Ora homes in an effort to bring its books down. It's reviewing state housing stock, focusing on expensive areas. Its new cost-saving plan includes the sale of around 900 homes a year, with the money to go to more low-cost, denser places with greater demand. Housing Minister Chris Bishop told Mike Hosking they want to be more deliberate with their purchasing. He says 50% of people on the register just need a one-bedroom unit, so they don't need to be building lots of three bedrooms. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Let's talk about Trump's order to cut costs for Americans....

Jane Melia is the CEO and Co-Founder of Harvest Thermal, revolutionizing home heating with heat batteries.Jane's journey began with a vision to make home electrification both cost-effective and climate-friendly. Harvest Thermal has developed a patented system that combines heat pumps with thermal storage, reducing household emissions by 90% and energy bills by 30%, all while providing unparalleled comfort.Here's the kicker: Jane and her team have successfully navigated the challenges of hardware deployment, secured millions in grant funding, and built a business that's not only scalable but also grid-friendly and future-proof.With heating and hot water responsible for 10% of global emissions, Harvest Thermal is tackling one of the toughest climate challenges, turning it into a win for homeowners and the planet.Get the full episode today to hear:How Harvest Thermal is cutting bills and emissions while keeping homes cozyThe secrets to scaling hardware technology in a competitive marketWhy heat batteries are the key to making electrification affordable and sustainableHow Jane balances product innovation with deployment strategy to drive impact at scaleDon't miss a moment! If you want to get the full discussion, become a paid subscriber today or redeem your trial upgrade to test it out. 

Send me a messageIn this week's episode of the Climate Confident podcast, I'm joined by Anders Lindberg, President of Wärtsilä Energy, to unpack the complexities of the global energy transition. Wärtsilä has a wealth of insight into how we can move towards a 100% renewable energy future—without breaking the bank.Anders and I dive into the often-overlooked need for flexibility in energy systems. While solar and wind energy have become cheaper and more widespread, integrating them effectively into existing grids is far from straightforward. Anders explains how Wärtsilä's grid-balancing engines and battery storage solutions can work together to stabilise energy supply, preventing curtailment and ensuring renewables deliver maximum impact.We explore why relying solely on renewables and battery storage leads to significantly higher costs, using Chile as a case study where a more balanced system could save $17 billion in investment. Anders also tackles the future of green hydrogen, acknowledging its promise while stressing it won't scale up meaningfully until 2035 or later. In the meantime, he makes the case for natural gas as a transitional fuel, with Wärtsilä's engines already primed to run on sustainable fuels when they become viable.Key takeaways from this episode:Flexibility is critical: Balancing technologies like batteries and flexible engine power plants are essential for integrating renewables efficiently.Curtailment hurts progress: Inflexible grids force renewables offline, undermining their financial viability and prolonging fossil fuel reliance.Future-proof investments: Wärtsilä's hydrogen-ready engines ensure today's investments won't become stranded assets tomorrow.Policy matters: Anders highlights how regulatory environments, like Texas' nodal pricing and the Texas Energy Fund, can either accelerate or hinder the energy transition.If you're interested in how we can accelerate decarbonisation while maintaining energy security and controlling costs, this conversation offers plenty to consider.For more on Wärtsilä's work in shaping the future of energy, check out their website [insert link], or connect with Anders Lindberg on LinkedIn.Thanks for tuning in—let's stay climate confident!Support the showPodcast supportersI'd like to sincerely thank this podcast's amazing supporters: Lorcan Sheehan Jerry Sweeney Andreas Werner Stephen Carroll Roger Arnold And remember you too can Support the Podcast - it is really easy and hugely important as it will enable me to continue to create more excellent Climate Confident episodes like this one.ContactIf you have any comments/suggestions or questions for the podcast - get in touch via direct message on Twitter/LinkedIn. If you liked this show, please don't forget to rate and/or review it. It makes a big difference to help new people discover the show. CreditsMusic credits - Intro by Joseph McDade, and Outro music for this podcast was composed, played, and produced by my daughter Luna Juniper

Enjoying the Ecommerce Coffee Break Podcast? Here are a few ways to grow your business: https://ecommercecoffeebreak.com/level-up/ ---In this episode of the Ecommerce Coffee Break, host Claus Lauter welcomes Manish Chowdhary, Founder and CEO of Cahoot.ai, the world's first peer-to-peer order fulfillment network.  Manish shares insights on an innovative approach to returns that saves brands money, reduces environmental impact, and improves customer satisfaction. Learn how this groundbreaking solution is reshaping eCommerce logistics and profitability. Topics discussed in this episode: Why peer-to-peer returns slash shipping costs by 64%. How bypassing warehouses accelerates return processing by 4x. What apparel brands gain with reduced return rates and faster restocking. Why eco-conscious customers prefer brands with reduced carbon emissions. How AI verifies product conditions for seamless peer-to-peer returns. What real-time inventory updates mean for "like new" products. Why cashback incentives boost buyer and seller satisfaction. How peer-to-peer returns improve cash flow for DTC brands. What industries benefit most from this return model beyond apparel. Why this innovation is a game-changer for profitability in 2025. How early adopters get special pricing and waived fees ($1M+ GMV) Links & Resources Website: https://www.cahoot.ai/ Shopify App Store: https://pages.cahoot.ai/cahoot-peer-to-peer-returns/ LinkedIn: https://www.linkedin.com/in/manish-chowdhary/ Get access to more free resources by visiting the show notes athttps://tinyurl.com/a49pyyn8 MORE RESOURCESDownload the Ecommerce Conversion Handbook for store optimization tips at https://tinyurl.com/CRO-ebook Best Apps to Grow Your eCommerce Store: https://ecommercecoffeebreak.com/best-shopify-marketing-tools-recommendations/ Become a smarter online seller in just 7 minutes Our free newsletter is your shortcut to ecommerce success. Every Thursday. 100% free. Unsubscribe anytime. Sign up at https://newsletter.ecommercecoffeebreak.com Rate, Review & Follow Enjoying this episode? Help others like you by rating and reviewing my show on Apple Podcasts. Rate here: https://podcasts.apple.com/us/podcast/ecommerce-coffee-break-digital-marketing-podcast-for/id1567749422 And if you haven't yet, follow the podcast to catch all the bonus episodes I'm adding. Don't miss out—hit that follow button now!

Send us a textStruggling with high PPC costs? Here are 10 Amazon PPC tips to cut ad spend while keeping sales strong. Want a FREE Amazon PPC Guide for 2025? Grab here: https://bit.ly/4gwtOzi#AmazonPPC #EcommerceAds #AmazonSellerTips #AmazonAds Watch these videos on YouTube:Does PPC affect SEO? https://www.youtube.com/watch?v=tnTkd2Qhqmg&list=PLDkvNlz8yl_a1PRDJWRoR4yIM8K5Ft569&index=6Optimize your ads with these tips https://www.youtube.com/watch?v=J0aTweEWSsM&list=PLDkvNlz8yl_a1PRDJWRoR4yIM8K5Ft569&index=2---------------------------------------------------------------Learn how to make your main image work http://bit.ly/3ZuylezGet strategies to increase your sales http://bit.ly/3Vbhtb6Use this form to tell us what's wrong in your account and we'll solve it http://bit.ly/3B4ig70Timestamps00:00 - Introduction: The Problem With PPC Costs00:51 - Tip 1: Never Run Out of Budget01:44 - Tip 2: Improve Your Main Image03:04 - Promo Code for Main Image!03:30 - Tip 3: Add Negative Keywords to Save Money05:10 - Tip 4: Use Dayparting for Better Budget Allocation06:45 - Tip 5: Free Traffic Through Social Posts07:17 - Tip 6: Broad Match Modifier Explained10:07 - Tip 7: Budget Campaigns for Large Catalogs11:10 - Tip 8: Calculate ACOS Expectations Accurately12:33 - Tip 9: Custom Headline Images for Sponsored Ads14:07 - Tip 10: Using Lifetime Metrics for Long-Term Insights---------------------------------------------------------------Follow us:LinkedIn: https://www.linkedin.com/company/28605816/Instagram: https://www.instagram.com/stevenpopemag/Pinterest: https://www.pinterest.com/myamazonguys/Twitter: https://twitter.com/myamazonguySubscribe to the My Amazon Guy podcast: https://podcast.myamazonguy.comApple Podcast: https://podcasts.apple.com/us/podcast/my-amazon-guy/id1501974229Spotify: https://open.spotify.com/show/4A5ASHGGfr6s4wWNQIqyVwSupport the show

Lots of people have birthdays in December, how do you handle that during the holidays without getting cheated on with gifts. Growing up, what was the one toy you couldn't get/afford, but can today? Study says: 25% of families threaten to use Santa on kids if they're misbehaving. 2,000 people got surveyed for what holiday tradition needs to go! 42% will re-gift to cut costs...we're guilty of doing that too!

Lots of people have birthdays in December, how do you handle that during the holidays without getting cheated on with gifts. Growing up, what was the one toy you couldn't get/afford, but can today? Study says: 25% of families threaten to use Santa on kids if they're misbehaving. 2,000 people got surveyed for what holiday tradition needs to go! 42% will re-gift to cut costs...we're guilty of doing that too!

Today's guest on The Harvest Growth Podcast is Scott Springer, a seasoned executive consultant with a proven track record of driving exponential growth. Scott was pivotal in Vital Proteins's growth from $30M to $500M in revenue before its acquisition by Nestlé. He now leads Chelwood Consulting Group, where he helps businesses achieve rapid growth through operational excellence and scalable systems.In this episode, Scott shares the powerful strategies that propelled Vital Proteins and many of his clients to massive success. He explains how local manufacturing can improve efficiency and scalability, why automating processes is essential for reducing costs and accelerating growth, and how diversifying marketing efforts can fuel sustained expansion. Drawing from his extensive experience, Scott also provides actionable insights for optimizing operations, cutting hidden costs, and preparing businesses to scale effectively. Tune in now to find insights on building a strong foundation for success and navigating the challenges of fast growth.In this episode of the Harvest Growth Podcast, we cover: How local manufacturing improves operational efficiency and supports scalability, even for small and mid-sized businesses.Tips for optimizing the production process, reducing labor costs, and enhancing scalability.Opportunities and strategies for cutting hidden business costs.Key steps to forecast growth and prepare your operations to scale effectively.Tips for succeeding as a business leader with limited in-house expertise in key roles like engineering and manufacturing. Visit www.chelwoodgroup.com to learn more about Chelwood Consulting Group's services and how Scott Springer can help your business thrive.To be a guest on our next podcast, contact us today!Do you have a brand that you'd like to launch or grow? Do you want help from a partner that has successfully launched hundreds of brands totaling over $2 billion in revenues? Visit HarvestGrowth.com and set up a free consultation with us today!    

Eric G shares his favorite ways to save money around the house for 2025, highlighting that small changes can lead to significant savings. He emphasizes the importance of taking advantage of tax deductions through donations, suggesting that decluttering and donating items can benefit both the homeowner and local charities. As the cost of home improvement projects continues to rise, Eric advises listeners to consider upgrading their HVAC systems now to avoid higher prices later. He also encourages regular maintenance checks around the home to prevent costly repairs down the line. With practical tips on negotiating bills and understanding local tax credits, this episode is packed with actionable advice to help homeowners maximize their savings in the coming year.Home improvement expert Eric G shares invaluable strategies to save money in 2025, emphasizing that even small changes can lead to significant savings over time. A key highlight of the discussion revolves around the importance of decluttering and donating unwanted items. By clearing out the garage or shed and donating items to local charities, listeners can not only help those in need but also receive tax deductions when filing their taxes. Eric underscores the impact of supporting local nonprofits, which are facing challenges due to rising costs and reduced donations. He encourages listeners to consider the Rebuilding Center in Portland, which not only accepts donations but also provides education on home repair and maintenance.Takeaways: Consider donating unused items from your garage or shed for a tax deduction. Research local tax rebates available for seniors to save on property taxes. Be proactive with HVAC system upgrades before new regulations increase costs next year. Regular roof maintenance can extend its life and save you thousands on replacements. Negotiate with your insurance provider yearly to keep premiums from rising excessively. Look for energy rebates and grants for home improvements to reduce overall costs. Companies mentioned in this episode: Monument Grill Pyramid Heating and Cooling Tony Russell Insurance To get your questions answered by Eric G give us a call in the studio at 833-239-4144 24/7 and Eric G will get back to you and answer your question and you might end up in a future episode of Around the House. Thanks for listening to Around the house if you want to hear more please subscribe so you get notified of the latest episode as it posts at https://around-the-house-with-e.captivate.fm/listenIf you want to join the Around the House Insider for access to the back catalog, Exclusive Content and a direct email to Eric G and access to the show early https://around-the-house-with-e.captivate.fm/support We love comments and we would love reviews on how this information has helped you on your house! Thanks for listening! For more information about the show head to https://aroundthehouseonline.com/ Information given on the Around the House Show should not be considered construction or design advice for your specific project, nor is it intended to replace consulting at your home or jobsite by a building professional. The views and opinions expressed by those interviewed on the podcast are those of the guests and do not necessarily reflect the views and opinions of the Around the House Show. Mentioned in this episode:SiteHype Designs.com To get your website back on track or create a brand new one vist my friend of nearly 20 years at...

Are you losing money on tasks that could be automated? This episode dives into the powerful impact of automation on small businesses, showing you how to save time, slash costs, and free up resources to focus on growth. Hosts Andrew and John break down practical steps to identify opportunities, choose the right tools, and avoid common pitfalls—all while maintaining a human touch in your operations.Key Points:[0:28] - How Much Are You Losing to Manual Tasks? Discover how repetitive tasks like data entry and invoicing drain your resources and how automation can save thousands. [2:05] - Tools That Work Like 24/7 Employees Explore automation tools like QuickBooks, FreshBooks, Zendesk, and HubSpot that save time, reduce errors, and cut costs by up to 70%. [3:39] - Steps to Start Automating Today Learn the three-step process to identify tasks, test tools, and scale automation in your business without overwhelming your team. [4:25] - The Risks of Over-Automation Avoid the pitfalls of losing your personal touch and creating unchecked systems that might lead to costly errors. [6:52] - Balance is Key: Automate, Don't Replace Understand how automation can augment your team's creativity and effectiveness without fully replacing human judgment. Quotable Moments:[1:18] - "Errors in manual tasks don't just cost money—they cost trust and time." – Andrew [4:52] - "Automation is a tool, not a replacement for strategy or creativity." – John [7:12] - "Think of automation as augmentation, not replacement—it empowers your team to focus on what matters." – Andrew Links Mentioned: - QuickBooks: https://quickbooks.intuit.com/ - FreshBooks: https://www.freshbooks.com/ - Zendesk: https://www.zendesk.com/ - HubSpot: https://www.hubspot.com/- Beefy Marketing: https://www.beefymarketing.com/ Automation isn't just about saving time—it's about reinvesting in growth. Start small, measure your ROI, and scale wisely. Don't let your competition automate their way ahead of you. Ready to take the leap? Subscribe to the podcast and follow for actionable tips and strategies to grow your business!

Join Simon Elisha and Dr. Werner Vogels, as they kick off a new mini-series, "The Frugal Architect," with Dan Conti, whose journey from the constrained world of embedded systems to WeTransfer's cloud architecture is a masterclass in frugal innovation. In his early career, Dan wrestled with MP3 players where 48K of RAM was a luxury. This experience cultivated a deep appreciation for efficiency that would prove crucial at WeTransfer. As CTO, Dan applied this resourceful mindset to cloud computing, where easy scaling often masked hidden waste. His team's efforts to optimize storage, improve observability, and align technology with environmental values showcased that in the cloud, frugality isn't about penny-pinching—it's about squeezing every ounce of value from your architecture -- and doing it sustainably. Blog Post Link: https://www.thefrugalarchitect.com/architects/dan-conti-wetransfer.html

WWJ auto analyst John McElroy reports Toyota is looking to cut costs by working directly with tier 2 suppliers.

The Aviation Industry Corp of China is a major hardware supplier to the People's Liberation Army Air Force, Navy and Ground Force. And now, it has earned a new client — the China Manned Space Agency.中国航空工业集团有限公司是中国人民解放军空军、海军和陆军的主要硬件供应商。现在，它又赢得了一个新客户——中国载人航天工程。A reusable cargo spaceplane, one of the company's latest products, has gained the AVIC a contract from the space agency, which runs China's crewed spaceflights.中国航空工业集团的最新产品——可重复使用货运航天飞机，为中国航空工业集团赢得了中国载人航天工程的合同。According to the State-owned defense conglomerate, the Haolong space shuttle, designed by its Chengdu Aircraft Design and Research Institute in Sichuan province, aims to further reduce the cargo transportation costs involved in the operation of China's Tiangong space station.中国航空工业集团称，“昊龙”货运航天飞机由其位于四川省的成都飞机设计研究所自主设计研制，旨在进一步降低中国天宫空间站货物运输成本。Zhang Jichao, a deputy general manager of the AVIC, said at a news conference in Zhuhai, Guangdong province, on Monday that the space shuttle's conceptual plan has been finalized and researchers have started the design and production work for the first prototype's components.11月11日，中国航空工业集团副总经理张继超在广东珠海举行的新闻发布会上表示，航天飞机已完成方案设计，研究人员正全面开展首架样机部件的设计和生产工作。"Once put into service, Haolong will be launched by China's commercial carrier rockets to dock with the country's Tiangong space station. After completing its tasks, the shuttle will return to the Earth's atmosphere and make a horizontal landing on a runway like a plane," Zhang said.“‘昊龙'货运航天飞机投入使用后，将采用中国商业运载火箭发射，能够与我国空间站交会对接。完成货物上下行之后，可无动力自主返回，并水平着陆于指定机场。”张继超说。"The model features good reusability and can ferry materials back and forth between the space station and Earth," he added.张继超补充：“该货运航天飞机具备突出的可重复使用能力，可以在空间站和地球之间来回运输材料。”Zhang said the use of such a spaceplane will significantly cut the time that mission planners now have to wait for between two cargo flights, and reduce the cost of each flight.张继超介绍，使用该货运航天飞机将大大缩短任务规划人员现在必须在两次货运飞行之间等待的时间，并降低单次任务成本。Compared with traditional cargo vessels that cannot be reused, the shuttle will be able to bring goods back to Earth, which will greatly facilitate scientific experiments, according to the executive.张继超表示，与不能重复使用的传统货运飞船相比，该货运航天飞机可以将货物运回地球，这将极大地减轻科学实验的困难。Fang Yuanpeng, Haolong's chief designer, said the space shuttle will be about 10 meters long and eight meters wide. It will have two foldable curved wings, a vertical fin and will generate power via solar panels. During its docking with the space station, astronauts can move into it to take materials or store items, he noted.“昊龙”货运航天飞机总设计师房元鹏称，该货运航天飞机长约10米，宽8米。它有两个可折叠的弧形机翼和一个垂直鳍，并可通过太阳能电池板发电。他指出，在与空间站舱体连通后，航天员可以自由进出“昊龙”货舱以进行货物取用或物资存储。A model of the spacecraft will be displayed at the 15th China International Aviation and Aerospace Exhibition, which opens on Tuesday in Zhuhai and runs through Sunday.“昊龙”货运航天飞机将在中国航展亮相。第十五届中国国际航空航天博览会于11月12日在珠海开幕，并将持续至17日。Currently, China has only one model of cargo spaceship, Tianzhou, which is a product of the China Academy of Space Technology in Beijing. So far, seven Tianzhou vessels have been launched and six of them were used to transport supplies to the Tiangong space station.目前，中国只有一种货运飞船——天舟系列货运飞船，它是中国空间技术研究院的产品。迄今为止，中国已经发射七艘天舟货运飞船，其中六艘用于向天宫空间站运送物资。Orbiting Earth at a distance of about 400 kilometers, the Chinese space station has three permanent parts — a core module and two science capsules — and is regularly connected to several visiting crew and cargo spaceships.天宫空间站在高度约400公里的轨道上绕地球飞行，由一个核心舱和两个实验舱组成，支持载人飞船、货运飞船的定期对接和停靠。It has been manned by eight Chinese crews, including the incumbent Shenzhou XIX team. All of the crews' living and work necessities need to be transported by cargo vessels.包括现任神舟十九号乘组在内的八名中国航天员曾在此驻留。所有乘员的生活和工作必需品都需要通过货运飞船运输。horizontal landing水平着陆reusableadj．可重复使用的space shuttle航天飞机incumbentadj. 现任的，在职的

Discover how Perry Zheng transformed his entrepreneurial journey from managing seven single-family properties to leading syndications that generated over 30% annualized returns for investors, while building a groundbreaking software platform that's revolutionizing how general partners and limited partners connect. With candid insights into the current challenges of capital raising, Perry reveals his strategic approach to attracting investors, leveraging technology through Cashflow Portal and Palace Investing, and navigating the complex landscape of fund management offering listeners a master class in building scalable, investor-centric real estate investment businesses.Key Takeaways to listen for:Invest in Technology for Streamlined Operations: Perry highlights the importance of using technology like Cashflow Portal for syndications. This software centralizes crucial aspects of capital raising, investor relations, and compliance, reducing the manual load and providing a seamless experience for investors.Understand Fund Structures Before Scaling: Perry discusses the difference between SPV and customizable funds, advising new fund managers to start with an SPV for cost efficiency. For long-term growth, a customizable fund offers scalability, though it requires more setup and regulatory management.Investor Experience is Key to Retention: From transparent communication during the syndication process to timely K1s and user-friendly portals, Perry emphasizes that a professional, well-supported investor experience is vital for trust and retention.Leverage Fund Admin Software to Cut Costs and Save Time: Fund administration can be resource-intensive, but selecting the right admin platform helps manage complex tasks, such as compliance and reporting, with less friction, especially as assets under management grow.Marketing in a Competitive Landscape Requires Strategic Ad Spending: Perry notes that, although raising capital has become more challenging, targeted advertising, combined with brand awareness efforts, can help build investor lists effectively even with modest budgets.About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai

Jake Puhl, CEO of the Dentist Entrepreneur Organization, hosts Gregor Connell, Director of Clinical Education, and Brian Curley, Director of Strategic Markets at VOCO America. They dive into the critical balance of cost and quality in dental supplies, exploring why "cheap" isn't always best. Greg shares insights from his 35 years in the field, offering clinical solutions to common dental challenges, while Brian discusses how VOCO's innovative materials help practices save money without sacrificing quality. Together, they cover change management, product efficiency, and the impact on both small and large dental groups, making this a must-listen for growth-minded dental entrepreneurs. To learn more about VOCO visit

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway discusses practical strategies to lower car insurance costs, especially as rates continue to rise across the U.S. He dives into some overlooked tips like defensive driving courses and annual policy reviews that could save you hundreds of dollars each year.Key Takeaways:Review Your Policy Annually: Don't stick with the same insurance company out of convenience. Shopping around for new quotes yearly can lead to significant savings.Take Defensive Driving Courses: Completing a course can save up to $233 annually on premiums, which compounds into substantial savings over the years.Negotiate Your Rate: If you find a better rate elsewhere, ask your current provider to match it. Many companies would rather offer a discount than lose you as a customer.Quotes:"Never be loyal to an insurance company. It's imperative that you shop around because rates can be competitive.""It may not seem like much in one year, but think about it over 10 years. That's a lot of money you get to keep in your pocket.""When you're shopping for insurance, you want to find somebody who won't give you the hokey pokey and make you turn all the way around."

In this episode of Financial Advisors Say The Darndest Things, A.B. Ridgeway discusses practical strategies to lower car insurance costs, especially as rates continue to rise across the U.S. He dives into some overlooked tips like defensive driving courses and annual policy reviews that could save you hundreds of dollars each year.Key Takeaways:Review Your Policy Annually: Don't stick with the same insurance company out of convenience. Shopping around for new quotes yearly can lead to significant savings.Take Defensive Driving Courses: Completing a course can save up to $233 annually on premiums, which compounds into substantial savings over the years.Negotiate Your Rate: If you find a better rate elsewhere, ask your current provider to match it. Many companies would rather offer a discount than lose you as a customer.Quotes:"Never be loyal to an insurance company. It's imperative that you shop around because rates can be competitive.""It may not seem like much in one year, but think about it over 10 years. That's a lot of money you get to keep in your pocket.""When you're shopping for insurance, you want to find somebody who won't give you the hokey pokey and make you turn all the way around."

The Biden-Harris administration is taking new action to lower housing costs, with a focus on helping Black and Brown communities. They announced $100 million in grants through the PRO Housing Program, aimed at removing barriers to affordable housing. This will directly impact urban areas where many Black and Brown families are, helping to build and preserve affordable homes faster. Additionally, new measures will make it easier and cheaper to develop housing near public transit and convert commercial properties into residential units. These actions are part of a broader effort to tackle the housing crisis, ensuring that more homes are built quickly and affordably, especially in communities that have historically faced underinvestment. The administration's moves also include providing more predictable interest rates for housing projects and streamlining the process for federal housing development, which could lead to thousands of new housing units across the country — crucial steps in making affordable housing more accessible to everyone. Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you ever flown business or first class? Want to fly premium cabins more often without dishing out a lot of cash? Dave Grossman has spent over 15 years traveling the world in first class using points and miles, saving tens of thousands of dollars. He breaks down the differences between points, miles, and cashback, and explains why transferable points offer the ultimate flexibility.  Dave also shares insights on how to exponentially earn more rewards to afford business and first-class tickets, the best times to book these flights, and the importance of being flexible with dates and locations. If you're looking for more advanced travel hacking strategies beyond opening new credit cards and using shopping and dining portals, this episode is packed with valuable tips and strategies to elevate your travel experiences using points and miles. Can't get enough points and miles, tips, and money saving strategies? Find all my travel-hacking episodes neatly organized in a Spotify playlist below. 

In this insightful episode of Money Grows on Trees: The Podcast, host Lloyd Ross delves into the "4 Stages to a Financial Journey." Discover how to navigate your financial crisis, achieve stability, strategically accumulate assets, and ultimately attain financial independence. Whether you're struggling with debt or looking to build wealth, Lloyd offers practical steps and actionable advice to help you transition through each phase effectively. Tune in to learn how to take control of your finances and pave the way for a secure financial future. Don't miss this chance to revolutionize your financial path—listen now to kickstart your journey!

Traveling is often put on hold due to various reasons, such as financial constraints, health concerns, or waiting for the "perfect" time. Discover the importance of seizing travel opportunities now rather than later and how travel can be a life-changing personal investment and source of inspiration for your financial journey.  

Kiera gives listeners tips that you can implement right now to start trimming the fat on practice costs and making more money. Suggested actions include reviewing your PnL monthly, buying discounted supplies, utilizing a productive schedule, and more. Episode resources: Reach out to Kiera Watch DAT Podcasts on YouTube Virtual Consulting Subscribe to The Dental A-Team podcast Become Dental A-Team Platinum! Review the podcast

Get motivated to create a vacation fund and stick to your travel goals! When I decided years ago to prioritize travel, one of the most empowering steps I took was establishing a dedicated vacation fund, a special bank account solely for my travel savings. Learn practical tips for managing a dedicated vacation fund.

In 2017, Jen Ruiz set out to take an epic challenge, go on 12 trips in 12 months before her 30th birthday while employed full-time as an attorney. She ended up taking twenty trips that year, almost doubling her original goal! Jen shares how you, too, can plan your own similar travel challenge.  How to take 12 trips in 12 months with a demanding job? Ways to save for frequent travel  How to commit to a travel challenge Ways travel can transform your life and career     Take Your Own 12 Trips In 12 Months Challenge!   Sign up for a 30-minute training on how to plan your own year of adventure: 12tripsin12months.com   Connect with Jen Ruiz:  [Book] 12 Trips and 12 Months by Jen Ruiz Website: jenonajetplane.com Follow on Instagram: @jenonajetplane    Other Episodes You'll Enjoy:  Benefits of Solo Travel: Why Going Alone Can Save You Money - Episode 165 Why You Need a Travel Fund – Episode 2 10 Ways To Travel Without Getting Into Debt – Episode 143 Ways To Save Money Traveling and Cut Costs (blog post)  Must-Read Budget Travel Books (blog post)    Read My Books:  We Are Financially Savvy Travelers  Affording Travel: Saving Strategies For Financially Savvy Travelers Traveling With a Full-Time Job Managing Your Money As A New Homeowner  Iceland: Nature, Nurture & Adventure    Connect With Danielle Desir Corbett:  Join my newsletter: https://thethoughtcard.substack.com/  Website: www.thoughtcard.com  Follow on Instagram: @thedanielledesir   Work With Me: Email thethoughtcard@gmail.com for brand partnerships and business inquiries.    Resources For Financially Savvy Travelers:  Thrifty Traveler Premium for finding cheap flights and mistake fares.  CardPointers for figuring out which credit card to use to maximize points and miles. Save 30% using our link.  SafetyWing for travel medical insurance in your home country or anywhere you travel.   Trade and Travel by Teri Ijeoma for learning how to trade in the stock market as a day trader or swing trader.    Podcasting Gear and Equipment:  ATR2100x Dynamic Microphone Sony Dynamic Stereo Headphones Ausha for podcast hosting  Streamyard for streaming and high-quality studio recording Swell AI for episode descriptions, show notes, and social copy  

Nausheen Farishta went from hating solo travel to falling in love with it in her 30s. Nausheen is a testament to the transformative power of solo travel and the importance of building a strong relationship with oneself. Discover the power of solo travel and how it can help you build unstoppable self-confidence and find joy.    How solo travel can be more affordable than traveling with friends or family Best solo travel activities, such as cooking classes and food tours How to combat loneliness while traveling solo Favorite solo travel destinations worldwide Is solo travel worth it?    Get Nausheen's solo travel ebook, “From Doubtful to Darling,” a beginner's planning guide to confident solo travel. Enjoy 15% off with promo code “GLOBE15”.    Connect with Nausheen Farishta: Website: globe-gazers.com Follow on Instagram: @globegazers    Other Episodes You'll Enjoy:  How To Plan Your First Solo Backpacking Trip - Episode 90 Why You Need a Travel Fund – Episode 2 10 Ways To Travel Without Getting Into Debt – Episode 143 Ways To Save Money Traveling and Cut Costs (blog post)  Must-Read Budget Travel Books (blog post)    Read My Books:  We Are Financially Savvy Travelers  Affording Travel: Saving Strategies For Financially Savvy Travelers Traveling With a Full-Time Job Managing Your Money As A New Homeowner  Iceland: Nature, Nurture & Adventure    Connect With Danielle Desir Corbett:  Join my newsletter: https://thethoughtcard.substack.com/  Website: www.thoughtcard.com  Follow on Instagram: @thedanielledesir   Work With Me: Email thethoughtcard@gmail.com for brand partnerships and business inquiries.    Resources For Financially Savvy Travelers:  Thrifty Traveler Premium for finding cheap flights and mistake fares.  CardPointers for figuring out which credit card to use at checkout to maximize points and miles. Save 30% using our link.  SafetyWing for travel medical insurance in your home country or anywhere you travel.   Trade and Travel course by Teri Ijeoma for learning how to trade in the stock market as a day trader or swing trader.    Podcasting Gear and Equipment:  ATR2100x Dynamic Microphone Sony Dynamic Stereo Headphones Ausha for podcast hosting  Streamyard for streaming and high-quality studio recording Swell AI for episode descriptions, show notes, and social copy  

Whether you're a first-time cruiser or a seasoned one, Amanda Bauner shares insider tips on how to save on cruise vacations without compromising on the experience. Learn about the cheapest times to go on a cruise, the benefits of DIY planning versus working with a travel agent, and what aspects are worth splurging on. Amanda is an expert in solo travel, cruise travel, and Disney vacations and cruises. She's a wealth of knowledge and will help you get the most out of every cruise vacation!   The benefits of cruising River cruise vs ocean cruise Tips for choosing a cruise line based on your travel style  Port charges and excursion planning tips Resources for researching cruises and much more!    Amanda Bauner regularly hosts group cruises, like the exciting group cruise to Alaska in July 2025. Click here to learn more.      Connect with Amanda Bauner Website: meandthemagic.com Podcast: Me and the Magic Follow on Instagram: @meandthemagic   Other Episodes You'll Enjoy:  Why You Need a Travel Fund – Episode 2 10 Ways To Travel Without Getting Into Debt – Episode 143 Ways To Save Money Traveling and Cut Costs (blog post)  Must-Read Budget Travel Books (blog post)    Read My Books:  We Are Financially Savvy Travelers  Affording Travel: Saving Strategies For Financially Savvy Travelers Traveling With a Full-Time Job Managing Your Money As A New Homeowner  Iceland: Nature, Nurture & Adventure    Connect With Danielle Desir Corbett:  Join my newsletter: https://thethoughtcard.substack.com/  Website: www.thoughtcard.com  Follow on Instagram: @thedanielledesir   Work With Me: Email thethoughtcard@gmail.com for brand partnerships and business inquiries.    Resources For Financially Savvy Travelers:  Thrifty Traveler Premium for finding cheap flights and mistake fares.  CardPointers for figuring out which credit card to use to maximize points and miles. Save 30% using our link.  Trade and Travel by Teri Ijeoma for learning how to trade in the stock market as a day trader or swing trader.    Podcasting Gear and Equipment: ATR2100x Dynamic Microphone Sony Dynamic Stereo Headphones Ausha for podcast hosting  Streamyard for streaming and high-quality studio recording Swell AI for episode descriptions, show notes, and social copy