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Did We Just Enter Into A Buyers Market... ... A lot of home buyers are certainly feeling that way right now We have seen a steady increase in the number of homes for sale And homes are taking longer to sell but does that actually mean that its a buyers market most real estate experts consider 6 months of inventory as the line of demarcation when determining what type of market it is less than 6 months of inventory is a sellers market 6 months of inventory is a balanced market more than 6 months of inventory is a buyers market we are finding that many areas of the country are hovering right around the middle and when this happens those watching the market are looking for signs of which direction it will be heading in the short and long term and during these times both sides feel like they can win listen in to learn more about what we feel is about to happen
‘Downsize ต่ำ' ‘จ้างคนน้อย' ‘คู่แข่งเยอะ' ในช่วง 5 ปีที่ผ่านมา ‘ร้านสะดวกซัก' กลายเป็นธุรกิจฮอตฮิตที่ดึงดูดผู้เล่นนับร้อย แต่คำถามสำคัญคือ “อะไรคือโจทย์หลักที่จะทำให้ธุรกิจนี้เติบโตต่อเนื่องและยั่งยืน?” The Secret Sauce EP นี้ พูดคุยกับ คุณภูมิชัย ยังทวีศักดิ์ กรรมการผู้จัดการ บริษัท พอช ลอนดรี้ ซิสเต็มส์ จำกัด ผู้ที่เริ่มต้นร้านสะดวกซักเป็นธุรกิจรอง แต่วันนี้กลายเป็นธุรกิจหลักของเขา เพื่อเจาะลึกกลยุทธ์และมุมมองที่อยู่เบื้องหลังความสำเร็จ
Send us a textDownsizing isn't just about sorting through belongings—it's about untangling the emotions tied to a lifetime of memories. In this fun, light-hearted episode of What's Next? Conversations with Boomers, Barb sits down with Richard Ferguson once again, founder of It's Time to Downsize, to explore the practical and emotional challenges of letting go.Why do we hold onto things we no longer need—and how do we finally release them? Richard shares his expert insights on navigating the sentimental weight of possessions, from family heirlooms to forgotten keepsakes.Thinking of downsizing? Contact Richard at https://www.itstimetodownsize.ca/.Find Barb on Instagram @barbjanet .If you like our show, make sure you follow us on your favourite Podcast player. Feel free to rate and review our show and tell us what you'd like to hear, and what other topics you'd like Barb to explore!
Doing Divorce Different A Podcast Guide to Doing Divorce Differently
In this episode, Lesa welcomes Tami Wollensak, known as the voice of reason for homeowners navigating divorce. They discuss Tami's inspirational story of personal growth and resilience after divorce, specifically her decision to downsize her home for financial and emotional stability. Tami shares the challenges she faced in maintaining a large home post-divorce and how she and her ex-husband remained focused on their children's well-being. The conversation emphasizes the importance of realistic budgeting and adjusting to new financial circumstances post-divorce. The episode concludes with Tami's take on the current volatile housing market and practical advice for those making housing decisions amid fluctuating interest rates.00:00 Introduction and Guest Welcome00:24 Tami's Journey Through Divorce01:53 Challenges of Keeping the House05:58 Financial Realities and Downsizing12:10 Co-Parenting and Maintaining Focus on Kids23:16 Reflections and Personal Growth25:58 Current Housing Market Insights31:15 Conclusion and Additional ResourcesDIY Parenting Plan CourseFind More From Lesa Here!https://www.newamericanfunding.com/mortgage-loans/tamiwollensakMentioned in this episode:Saddle Up Live Podcast AdDo you love Doing Divorce Different and want to hear more from Lesa Koski and her amazing guests? Tune in to the Saddle Up Live Podcast, a transformative podcast tailored for women aged 40 and beyond, where courage, God's grace, and a touch of sass are the driving forces behind conquering life's challenges. Whether you're looking for practical advice, heartfelt stories, or simply a supportive community of like-minded women, saddle up and join us on this exhilarating ride. Saddle Up Live Podcast
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3591: Renee Benes emphasizes the powerful impact that negative people can have on our mental and physical well-being, comparing emotional toxicity to the clutter we often strive to remove from our homes. By recognizing the reasons we hold onto harmful relationships and setting clear, loving boundaries, we can reclaim peace, clarity, and emotional freedom in our daily lives. Read along with the original article(s) here: https://www.thefunsizedlife.com/how-to-downsize-your-life-from-negative-people/ Quotes to ponder: "You can't save anyone." "Whenever you say 'no' to something, you are saying 'yes' to something else." "Saying 'no' to a relationship doesn't mean you have to stop loving a person." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3591: Renee Benes emphasizes the powerful impact that negative people can have on our mental and physical well-being, comparing emotional toxicity to the clutter we often strive to remove from our homes. By recognizing the reasons we hold onto harmful relationships and setting clear, loving boundaries, we can reclaim peace, clarity, and emotional freedom in our daily lives. Read along with the original article(s) here: https://www.thefunsizedlife.com/how-to-downsize-your-life-from-negative-people/ Quotes to ponder: "You can't save anyone." "Whenever you say 'no' to something, you are saying 'yes' to something else." "Saying 'no' to a relationship doesn't mean you have to stop loving a person." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3591: Renee Benes emphasizes the powerful impact that negative people can have on our mental and physical well-being, comparing emotional toxicity to the clutter we often strive to remove from our homes. By recognizing the reasons we hold onto harmful relationships and setting clear, loving boundaries, we can reclaim peace, clarity, and emotional freedom in our daily lives. Read along with the original article(s) here: https://www.thefunsizedlife.com/how-to-downsize-your-life-from-negative-people/ Quotes to ponder: "You can't save anyone." "Whenever you say 'no' to something, you are saying 'yes' to something else." "Saying 'no' to a relationship doesn't mean you have to stop loving a person." Learn more about your ad choices. Visit megaphone.fm/adchoices
When's the right time to downsize your home? Dave and Debbie walk through signs listed on Redfin that may mean it is time to downsize your living space.
Research suggests ‘empty nesters‘ should downsize to free up large homes for young families trying to get in to the housing market. Recent research suggests that if more empty nesters made the move to smaller homes, it could free up to 60,000 much-needed properties across the country.Real Estate Institute of Queensland CEO Antonia Mercorella joined Luke Bradnam on 4BC Breakfast to discuss the findings.See omnystudio.com/listener for privacy information.
...will bring increased activity to the real estate market Home buyers and sellers create artificial deadlines every year New Years - Elections - Tax Season - End of School Year The "wait and see crowd" typically activate themselves the weeks before and after the April 15 tax season finish line its the time of year where most people have their greatest clarity of their financial picture and with this increased activity comes opportunity new homes will hit the market with greater frequency short term rentals may be sold or converted to long term rentals investors will adjust their portfolio holdings families will move to different school districts new "empty nesters" will downsize the recently retired will be making their relocation plans today's show provides and a road map to succeed and some tax strategies
Points of Interest0:00 – 0:23 – Small Cuts, Big Impact: Marcel explains how trimming small recurring expenses added up to $7K/month in potential savings.1:32 – 2:44 – Market Uncertainty Hits Everyone: Carson highlights how client indecision is stalling agency pipelines across the industry.3:04 – 3:23 – Opportunity in Unstable Times: Marcel frames uncertainty as a chance to optimize, streamline, and future-proof the business.4:02 – 4:36 – Sales Slowdowns and Staffing Pressure: Agencies must balance shrinking pipelines with existing team and overhead costs.5:02 – 5:25 – Avoiding Cost-Cutting Traps: Downsizing without strategy can hollow out delivery capacity and worsen long-term profitability.6:02 – 6:36 – Overhead First, Not Production: Carson shares a personal lesson on the importance of reducing overhead over core delivery staff.8:05 – 9:56 – Balancing Optimism and Cash Management: Founders must weigh hopeful projections against real cash reserves to avoid crisis.12:04 – 13:19 – Trigger-Based Decision Rules: Carson suggests creating clear, data-driven thresholds for when to take action—before it's too late.17:03 – 17:22 – Austerity Exercise Yields Results: Marcel's audit of seemingly small expenses uncovered significant monthly savings.21:01 – 22:37 – Smooth Transitions Are Possible: Fears around losing key people are often overstated—teams adapt and grow stronger.27:12 – 28:13 – Use a Payroll Grid for Clarity: Marcel introduces a framework for assessing roles, costs, and time allocation to guide decisions.34:10 – 35:06 – Profitability Benchmarks to Follow: Aim for ≤50% of income to delivery, ≤30% to overhead, and utilization of at least 50–60%.Show NotesConnect with Carson via LinkedInGet access to this model tool in the toolkitParakeeto Foundations CourseFree access to our Model PlatformPodcast on benchmarkingLove the PodcastLeave us a review here.
We begin with the latest market reactions to President Donald Trump's tariff policies. The Social Security Administration is making big cuts to its technology team. We tell you how the job market has fared in March. Trump targets more Ivy League schools for federal funding cuts. Plus, the charges against British comedian Russell Brand. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Welcome to Your Real Estate Voice with Barb Schlinker, your trusted source for all things real estate. Whether you're considering a move or just curious about the market, Barb is here to provide expert guidance and invaluable insights. With years of experience and a commitment to delivering results, Barb Schlinker and her team at Your Home Sold Guaranteed Realty – Barb Has The Buyers Team is dedicated to helping you achieve your real estate goals. Don't hesitate to contact Barb directly at 719-301-3900 or visit BarbHasTheBuyers.com to tap into her extensive network of buyers and sellers. Get ready to experience a seamless and successful real estate journey with Your Real Estate Voice and Barb Schlinker by your side.Segment 1 – Are Home Prices in Colorado Going Down?Segment 2 – How Do You Set a Price for Your House to Sell in Colorado?Segment 3 – What is the Difference Between a Listing Agent and a Selling Agent?Segment 4 – Ten Steps to Downsize & Declutter Your Home Before You Sell – Hot New ListingsYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty. If you are thinking of making a move Barb at 719-301-3900 or visit BarbHasTheBuyers.com#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers
This is a clip from this week's podcast. Full episode here:https://open.spotify.com/episode/4ZmC1j2mtyH8bFO7myT3PP?si=0963034468384458TikTokhttps://www.tiktok.com/@jesealeeInstagramhttps://www.instagram.com/jesealee/YouTubehttps://youtube.com/@JeseaLeePodcast on Spotifyhttps://open.spotify.com/show/5ptN7bPT8MEYf3W1J28fAK?si=e2a2f7cc56904cd4Podcast on YouTubehttps://www.youtube.com/@JeseaLeeProduction by WhatTheGleeson Content Creation https://www.instagram.com/whatthegleesonSpotify Playlists:https://open.spotify.com/user/1281170391?si=f063098bbc4a4c7fSubscribe to my newsletter:https://jesealee.substack.com/Merch:https://my-store-11455576.creator-spring.com/Everything else:https://www.jesealee.com/
Helping Agsing Parents DownsizeIn this episode, Scott reconnects with Charles and Helen, past clients who navigated the emotional and logistical challenges of helping an elderly parent transition from their longtime family home. They share their firsthand experience working with the Broady Windsor Group and how the Homeowners Advisory Club was instrumental in making the process smoother and more manageable.The Emotional Weight of DownsizingCharles reflects on the pressure of managing his own family and business while also caring for ageing parents. His mother was facing dementia, and his father was alone in a large home he could no longer manage on his own. The emotional and logistical burden was immense until he partnered with the BW Group and Helen Mitchell.Beyond Real Estate: Full-Service SupportCharles emphasizes that what stood out most wasn't just the real estate service—it was everything around it. The BW Group provided access to a trusted network of professionals through the Homeowners Advisory Club. Helen, a key resource for helping seniors through this process, acted as a point person, helping to coordinate everything from yard cleanup and handyman services to inspections and moving support.Dealing with the UnexpectedJust days before listing, a major plumbing issue surfaced. Rather than panic, Charles leaned on the team's network. The problem was handled immediately, saving time, stress, and further delays. For Charles, it was the reassurance of knowing someone had his back, even during emergencies.Strategy and Speed: Getting to SoldWith tax season approaching and another property to manage, Charles needed to sell quickly without compromising on value. Scott guided him through a pricing strategy that created urgency in the market. The result: a successful sale in just two weeks, close to asking price, despite a slower time of year.The Value of Trusted AdviceHaving previously sold a property in the U.S., Charles had a benchmark for good service—but working with Scott and his team raised the bar. He appreciated the clarity, honesty, and guidance that helped him avoid costly mistakes. The team's extra effort made all the difference in a highly stressful situation.Helen's Perspective: From Referral to Trusted PartnerHelen, who initially connected with the BW Group through a referral, knew immediately Scott was the right choice. She discusses how trust and connection are critical when choosing a realtor, especially when handling sensitive family transitions. Her background working with seniors gave her insight into the unique emotional challenges of downsizing a lifetime's worth of belongings.Pre-Listing Inspection: A Game ChangerOne standout moment was the pre-listing inspection, which uncovered important repairs before the home hit the market. This proactive approach prevented buyer concerns and allowed them to get competitive quotes in advance. Helen calls it a “genius move” that helped avoid surprises and maximize peace of mind.A Network That Works Like a TeamFrom plumbing and junk removal to estate sale professionals, Helen highlights how BW Group's network isn't just a list of names—it's a collaborative ecosystem. Each provider shares a common mindset focused on service, empathy, and professionalism. That shared vision was critical to the home selling process.Supporting Both GenerationsHelen makes an important observation: while the focus may be on helping the seniors, the real impact is felt by the adult children—those juggling careers, parenting, and caregiving. She now sees herself as working for the children, reducing their stress while guiding the parents.A Final Word from Charles and HelenThe episode wraps with heartfelt gratitude. Charles says he'd recommend the BW Group “to anyone in...
Welcome to Your Real Estate Voice with Barb Schlinker, your trusted source for all things real estate. Whether you're considering a move or just curious about the market, Barb is here to provide expert guidance and invaluable insights. With years of experience and a commitment to delivering results, Barb Schlinker and her team at Your Home Sold Guaranteed Realty – Barb Has The Buyers Team is dedicated to helping you achieve your real estate goals. Don't hesitate to contact Barb directly at 719-301-3900 or visit BarbHasTheBuyers.com to tap into her extensive network of buyers and sellers. Get ready to experience a seamless and successful real estate journey with Your Real Estate Voice and Barb Schlinker by your side.Segment 1 – Are Home Prices in Colorado Going Down?Segment 2 – How Do You Set a Price for Your House to Sell in Colorado?Segment 3 – What is the Difference Between a Listing Agent and a Selling Agent?Segment 4 – Ten Steps to Downsize & Declutter Your Home Before You Sell – Hot New ListingsYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty. If you are thinking of making a move Barb at 719-301-3900 or visit BarbHasTheBuyers.com#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers
Welcome to Your Real Estate Voice with Barb Schlinker, your trusted source for all things real estate. Whether you're considering a move or just curious about the market, Barb is here to provide expert guidance and invaluable insights. With years of experience and a commitment to delivering results, Barb Schlinker and her team at Your Home Sold Guaranteed Realty – Barb Has The Buyers Team is dedicated to helping you achieve your real estate goals. Don't hesitate to contact Barb directly at 719-301-3900 or visit BarbHasTheBuyers.com to tap into her extensive network of buyers and sellers. Get ready to experience a seamless and successful real estate journey with Your Real Estate Voice and Barb Schlinker by your side.Segment 1 – Are Home Prices in Colorado Going Down?Segment 2 – How Do You Set a Price for Your House to Sell in Colorado?Segment 3 – What is the Difference Between a Listing Agent and a Selling Agent?Segment 4 – Ten Steps to Downsize & Declutter Your Home Before You Sell – Hot New ListingsYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty. If you are thinking of making a move Barb at 719-301-3900 or visit BarbHasTheBuyers.com#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers
I received a message from a couple in New England interested in considering Hot Springs Village as their retirement destination. They hope this winter will be their last in New England. But the weather wasn't their question. Instead, they wanted to know about house sizes in the Village and how they could prepare to downsize—not just their house but their stuff. You don't have to downsize in retirement, but most of us want to. You can get as big a house as you desire here inside Hot Springs Village. You can also go quite small if that's your preference. I get many messages asking similar questions from couples planning to retire. It's funny. I used to never get asked such things. Goes to show you (and me) that I'm now officially old. Today, let's talk about downsizing as we prepare for retirement, even if you won't fully retire (like us). Rhonda and I both still work. I'm as busy as ever, but I'm thankful. It's what I want to do. Let me walk you through our process and some things we've learned as we migrated to Hot Springs Village, where we spend much of our time. P.S. Here's a picture of the storage solution we had built for our garage. It's awesome! Well worth the investment of a few hundred bucks. The bins were less than $10 each at Sam's Club. Thanks to our exclusive media partner, KVRE • Join Our Free Email Newsletter • Subscribe To Our YouTube Channel (click that bell icon, too) • Join Our Facebook Group • Support Our Sponsors (click on the images below to visit their websites) __________________________________________ __________________________________________
Stephanie wants to have a heart-to-heart with her elderly parents about selling their home and straightening out their finances. Call 1-800-DR-LAURA / 1-800-375-2872 or make an appointment at DrLaura.comFollow me on social media:Facebook.com/DrLauraInstagram.com/DrLauraProgramYouTube.com/DrLaura
AP correspondent Mike Hempen reports on a court ruling in President Trump's favor.
The Spring Real Estate Market is the Best Time to Downsize. We have seven expert tips to get your home ready, and start your downsizing adventure.We Would Love to Hear Your Feedback!
President Donald Trump wants the world's richest man, Elon Musk, to shrink the federal government through the Department of Government Efficiency. And one of DOGE's first targets? USAID, the agency that focuses on foreign assistance. We talk to a USAID worker who is out of work this week and to WSJ's Brian Schwartz about how powerful Musk and DOGE have become. Further Reading: -How Trump Gutted America's $40 Billion Aid Agency in Two Weeks -Trump Hints at Curbs on Musk's Powers After Billionaire Shakes Up Washington Further Listening: -DOGE: The Plan to Downsize the Government -Is DEI Done? Learn more about your ad choices. Visit megaphone.fm/adchoices
Hour 2--J&J Show Tuesday 1/28/25-- Ed Scott with Calkins interview, downsize stadium plan & Top 25 program + "Bracketology" on 929 FM ESPN has Memphis listed as #5 seed. J&J discuss it full 2836 Tue, 28 Jan 2025 20:16:07 +0000 mNaoSMZlk7DFZKa1yKxTzySbfGqYImFX sports Jason & John sports Hour 2--J&J Show Tuesday 1/28/25-- Ed Scott with Calkins interview, downsize stadium plan & Top 25 program + "Bracketology" on 929 FM ESPN has Memphis listed as #5 seed. J&J discuss it Local columnists and hoops insiders Jason Smith and John Martin appear daily 11am - 2pm on 929FM ESPN/680AM! 2024 © 2021 Audacy, Inc. Sports False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Frss.amperwave
Downsizing can be overwhelming for seniors, but with the right plan, it doesn't have to be!
In this enlightening episode, we sit down with Sharon McRill, founder of Betty Brigade, to explore the transformative power of professional organizing, outsourcing, and future-proofing your life. Sharon shares her journey from corporate burnout to building a business that helps clients manage home organization, relocation, and vendor coordination with ease.We delve into the challenges faced by the "sandwich generation," juggling belongings and responsibilities for their children, spouses, and aging parents. Sharon shares a powerful story of how her team helped an overworked attorney reclaim his home and peace of mind, showing just how life-changing professional organizing can be.Discover the art of maximizing your personal time by outsourcing tasks, rethinking the 'do-it-yourself' mindset, and focusing on what matters most. Learn how to cherish and use your treasured possessions rather than letting them gather dust and how clearing your physical space can enhance your mental well-being.Sharon highlights her book, Downsizing the Silver Tsunami, a must-read guide for managing trusts, estates, and the emotional process of decluttering.Listen and Learn:Reclaiming Your Space: How professional organizing can transform your home and well-being.The Sandwich Generation Struggle: Strategies to balance belongings and responsibilities across generations.Outsourcing for Success: Why letting go of the 'do-it-yourself' mindset can free your time and reduce stress.Cherishing Your Possessions: Using what you love and finding joy in your space.Future-Proof Your Life: The benefits of home inventories, wills, and trusts for peace of mind.Motivation and Momentum: How to tackle overwhelming projects and clear spaces faster.Expert Advice: Practical tips from Sharon's book, Downsizing the Silver Tsunami, on managing estates and trusts.Resources MentionedDownsizing the Silver Tsunami by Sharon McRill Betty Brigade Services IG @bettybrigadeThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...
In this episode of The Pulling Curls Podcast, Hilary Erickson dives into the emotional and logistical challenges of moving her parents into retirement living. From choosing the right facility to downsizing a 6,000 square foot home, Hilary shares practical tips and personal insights to help make this transition smoother. Discover the different care options available, the financial implications, and the importance of planning ahead. Get a firsthand look at the realities of estate sales and the benefits of hiring professional movers. If you're approaching this stage with your parents, this episode is a must-listen. Big thanks to our sponsor Family Routines moving your parents can take havoc on your family and having solid routines can make your life still happen. Couldn't recommend them any more! Links for you: My post on moving to assisted living. Timestamps: 00:00 Downsize, consider assisted living, wait lists fill. 04:59 Medicare assists short-term home health expenses. 08:40 Reasonable storage for family memories and history. 09:45 Downsize immediately; avoid unnecessary storage or sales. 13:17 Estate sale: necessary for selling the house. 16:53 Find experienced real estate agent for parents. 20:44 Fast decisions helped moving process efficiently. 22:44 Upcoming topics: women's strength training, birth trauma. Keypoints: Hilary discusses her experience moving her parents into retirement living and the challenges associated with it. The importance of planning ahead and considering different living options such as assisted living, nursing homes, and independent living. Routines can help maintain normalcy during the transition. Financial considerations for different living options, including costs for nursing homes, rehab, and assisted living. The process of selecting a suitable retirement facility and the benefits of getting on a waitlist early. Downsizing possessions and the emotional impact of sorting through a lifetime of belongings. The role of professional movers and considerations for hiring experienced movers. The estate sale process, its challenges, and financial implications for clearing out a large home. Selling the family home and the benefits of engaging a real estate agent experienced with senior moves. Reflecting on the timeline and process highlights the importance of starting early and maintaining less clutter for an easier transition later in life. Producer: Drew Erickson Keywords: moving parents to retirement living, assisted living, retirement living options, downsizing home, moving into assisted living, independent living, nursing home costs, Utah nursing home, rehab care, skilled nursing facility, CNA services, independent living costs, Medicare coverage for seniors, estate sale process, choosing an estate sale company, selling family home, storage facilities for downsizing, hiring movers, downsizing furniture, realtor for senior home sale, financial planning for senior care, managing parent's move, Swedish death cleaning, simplifying life for seniors, retirement community, emotional aspects of moving seniors, family involvement in senior move, senior meal plans, home health services for seniors, balancing finances for senior care
CEOs of major companies are preparing for a second Trump administration, taking trips to Mar-a-Lago and contributing millions to his inauguration fund. WSJ's Chip Cutter explains corporate America's new strategy for engaging with the incoming U.S. president. Further Reading: -The CEOs Who Are Tearing Up the Policies Trump Hates -Corporate America Drew Back From DEI. The Upheaval Isn't Over. Further Listening: -DOGE: The Plan to Downsize the Government -How One Business Owner Is Getting Ahead of Trump's Tariffs Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode of the Money Mastery Unleashed podcast, Certified Financial Planner Adam Olson dives into a critical yet often overlooked aspect of retirement planning—your housing choices. Whether you're considering downsizing or relocating, the decisions you make about your home can significantly impact your financial future and lifestyle during retirement. Adam explores how downsizing can accelerate your retirement timeline, allowing you to live freely and on your own terms sooner than expected. He covers various factors to consider, such as reducing costs, freeing up equity, and adjusting to a simpler lifestyle that supports travel and flexibility. Adam also dives into the emotional and lifestyle implications of leaving a long-term home. He emphasizes the importance of discussing these decisions with your significant other, balancing sentimental attachments with practical financial considerations. Whether you're planning to downsize, relocate, or even maintain a larger home for family gatherings and entertainment, Adam provides insights into how each choice can affect your retirement budget and overall well-being. Beyond the financial benefits, Adam touches on alternatives such as aging in place, renting part of your home, or even considering a reverse mortgage. With real-life stories of clients who have navigated these transitions successfully, he offers practical advice to help listeners tailor their retirement housing strategy to their personal goals and circumstances. Tune in for a comprehensive look at how your housing decisions can play a pivotal role in shaping a comfortable and sustainable retirement. “Smaller homes in retirement mean lower costs, less responsibility, and more flexibility to travel and enjoy life.” Key Takeaways: Housing Considerations in Retirement Relocation and Lower Living Costs Simplifying Your Lifestyle Through Downsizing Alternatives to Downsizing Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Tech journalist Andy O'Donoghue was back on The Last Word to explain how to get the best out of your tech and the most effective methods of starting a digital detox.Hit the ‘Play' button on this page to hear the chat.
In this episode, Jim Martin, a financial advisor, explores the benefits and emotional challenges of downsizing and decluttering your life, particularly as you approach retirement. Highlighting a personal client story, Jim delves into why simplifying your living situation can be financially and emotionally beneficial, and provides practical tips for making the transition smoother. He discusses the historical trend of increasing house sizes, the financial and practical advantages of living in a smaller space, and the emotional difficulty of letting go of a longtime home and possessions. Jim also shares strategies for addressing emotional attachments and offers practical advice on planning and executing a downsize effectively. http://retiresmartscore.com
The controversy over the new GST formula for popcorn based on flavours highlights the growing complexity of India's tax system and that the country is moving further away from minimum governance. In Ep 1578 of #CutTheClutter, Editor-in-chief Shekhar Gupta discusses why simplifying GST is crucial to reforms in India's tax system.
Tanya Sammis, Owner of CrossFit Virilis, transformed her gym from 30 to 130 members by simplifying operations, downsizing her space, and focusing on creating an exceptional class experience. By prioritizing member retention and streamlining her offerings, Tanya built a thriving community in Cibolo, Texas, proving that less can truly be more. Her journey is an inspiring example of how focusing on the essentials can lead to explosive growth. --
Episode 310 - When you get past a certain age, downsizing always seems to sound like a good idea. But is it really? What are the really important considerations you need to keep in mind?
President-elect Donald Trump has proposed radically downsizing the federal government, and two of his allies are going to be in charge: Elon Musk and Vivek Ramaswamy. WSJ's John McCormick walks us through the plans for DOGE, or the Department of Government Efficiency. Further Reading: - Musk, Ramaswamy Want Federal Workers in the Office Full Time. There's a Hitch. - Vivek Ramaswamy's Marching Orders: Cut Trillions for Trump Further Listening: - Uncovering Elon Musk's Secret Political Donations - The Scramble Is on to Fill Trump's Cabinet Learn more about your ad choices. Visit megaphone.fm/adchoices
If the recent election has you rethinking your timeline and scrambling to move abroad faster, you're not alone. In this episode, I'm bringing you a live coaching session with Jennifer, a member of my 6-month Freedom Life Experience program, who's navigating massive changes to her move abroad plan.Jen's situation went from solo digital nomad scouting to moving her entire family—including her partner, his teen daughters, and her adult son—ASAP. This has flipped everything, and now she's dealing with:Switching from a digital nomad lifestyle to a long-term expat plan.Managing more complicated visas.Adjusting her country choices and lifestyle expectations.Growing her income quickly to qualify for visas—should she freelance, job hunt, or stick with her business?Sound familiar? If you're facing unexpected challenges or big last-minute changes, this episode is packed with practical advice to help you adjust your plans and move forward with confidence.Don't Miss This!For Black Friday, my Move Abroad Crash Course is 50% off—only $18 until Dec 1st! Here's what's included:A clear overview of the move abroad process.Lifetime access to our Facebook group for support and connection.A brand-new bonus: a Crash Course Clarity Call with Violet to help you get clear on your goals and next steps.Go to moveabroadcourse.com to snag the deal and start planning your move today. Resources Mentioned:→ Join the Crash Course (50% off until December 1st!!) → Chat About Your Coaching Options → Work with Jen to Declutter and Downsize!→ Follow Move Abroad Coach on InstagramLove this Episode? What to Listen to Next:#86 Trump Won... Now What?#52 Ask a Move Abroad Coach: Should I Travel For a Year With My Kids Before I Pick a Place?#48 Ask a Move Abroad Coach: Finding the Confidence to Leave Your Job, Start a Business AND Move Abroad #21 The Ultimate Leap: Relocating to Mexico with Kids - Ft. Michelle Melville-Kashon#15 No You DON'T Have to Have a Ton of Money Saved Up to Move #44 Fresh off the Plane! Moving to the Netherlands (With a Husband and 2 Cats) featuring Monica Hay #73 Navigating the Visa Maze: Inside Scoop on Digital Nomad Visas with Tim Marting
Mary Stone describes the last of her late-season garden bounty and reflects on the guidelines of an Honorable Harvest, referencing the Native American tradition as outlined by Robin Wall Kimmerer's book Braiding Sweetgrass.A humorous bounceback about the Birds and Bees of Zucchini leads to Mary Stone's sharing a personal story (Downsize and Do-Over) from her book underway (The Lesson of the Leaf), the impact of addiction on her marriage, and the pivotal moments that imparted change that involved her golden retriever Sara; her faithful four paws. She reflects on healing and the importance of letting go of shame and embracing forgiveness and thankfulness for the gifts of life, family, friends, and nature's bounty.Thank you for tuning in! Links to related Episodes and Blog Posts: An Honorable Harvest – Link to comeLessons from Braiding Sweetgrass – Blog PostEp 165. Lessons from Braiding SweetgrassEp 181. Don't Be a Fig Pig - Give a FigBirds & Bees of Zucchini Flowers – Blog PostEp 02. Field of Clover - The Birds and Bees of ZucchiniI'd love to hear your garden and nature stories and your thoughts about topics for future podcast episodes. You can email me at AskMaryStone@gmail.com.You can Follow Garden Dilemmas on Facebook and Instagram #MaryElaineStone.Episode web page —Garden Dilemmas Podcast PageThank you for sharing the Garden of Life,Mary Stone, Columnist & Garden Designer AskMaryStone.com More about the Podcast and Column: Welcome to Garden Dilemmas, Delights, and Discoveries. It's not only about gardens; it's about nature's inspirations, about grasping the glories of the world around us, gathering what we learned from mother nature, and carrying these lessons into our garden of life. So, let's jump in in the spirit of learning from each other. We have lots to talk about. Thanks for tuning in, Mary Stone Garden Dilemmas? AskMaryStone.comDirect Link to Podcast Page
"David Brent. I've been in the business for twelve years, been at Wernham Hogg as General Manager for eight of those, so putting together my team." After many years of anticipation we finally go across the pond and dive into the BBC version of The Office! We finally are rewatching and discussing the episodes and seasons that started it all, 2 episodes at a time. We start with the first 2 episodes of series 1 (Downsize & Work Experience), profiling the different characters and how they establish iconic profiles in the show. Then in the Conference Room we make a deeper comparison between the US and UK versions of The Office, with a special focus on the two pilot episodes and how they match up with one another, all the way down to the staplers in jello. So grab your portable phone holster and get some batteries for Big Mouth Billy, as the ‘MSPC INVESTIGATES'! Support our show and become a member of Scott's Tots on Patreon! For only $5/month, Tots get ad-free episodes plus exclusive access to our monthly Mailbag episodes where we casually pick through every single message/question/comment we receive. We also have Season 2 of our Ted Lasso podcast Biscuits with the Boss available to our Patrons, as well as our White Lotus Christmas Special, Party Down, and unreleased episodes of this show. Oh, and Tots get access to exclusive channels on our Discord. Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover 15 states where you can live for $65k or less annually. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters! INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? -Asset allocation model with ticker symbols and % to invest -Monthly VIP investing webinars with Linda -Private VIP Facebook group with daily insights -Weekly VIP stock market commentary email -Lifetime access with no additional cost -US and foreign investors, no minimum $ amount to invest For an early Black Friday deal, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT TO INVEST IN STOCKS PRE-IPO? #Ad Invest in private companies (pre-IPO). Linqto has streamlined their onboarding process and no longer requires documentation of assets. Minimum investment only $5k. Sign up to receive a $500 credit toward your investment, here: https://tinyurl.com/LindaLinqto WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here. #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom. (Some links are affiliate links. There is no additional cost to you.)
There comes a time in everyone's life where we realize it is just time to downsize from where we are living. It doesn't matter the reason, you simply recognize that you just do not need all the space you are currently living in, and it is time to become more economical living space. The problem for most people is, and we all know this is true, we have quickly accumulated so much “stuff”! What do we do with it all! This is when we need an expert to help us. So on this episode of Real Estate Right Now, CEO and President of Show Homes Raleigh, Fred Pierson joins us[...]
Mike and Sara Jensen, owners of Compound CrossFit, talk about their decision to downsize their affiliate for long-term success. The Jensens share the challenges and rewards of transitioning to a smaller space, professionalizing their coaching staff, and creating a more inclusive community. Their story highlights how tough decisions can lead to personal and business growth. -- FREE TOOLS and resources for CrossFit Affiliate Owners and Coaches. https://www.besthouroftheirday.com/affiliate-tools -- Unlock the Power of Your Fitness Business with PushPress https://www.pushpress.com/ -- 0:00 - Introduction 0:43 - Meeting Mike and Sarah Jensen of Compound CrossFit 2:18 - The Decision to Downsize and Its Impact 4:45 - Changing the Gym's Culture and Community Support 7:05 - Moving to a New Location: Challenges and Benefits 11:02 - Planning for Growth and Professionalizing Coaching 14:45 - Member Reactions and Building a Stronger Community 19:23 - Personal Growth as Leaders Through the Transition 21:21 - Changes Since the Move and Future Plans 30:15 - Lessons Learned for Long-term Success --- Support this podcast: https://podcasters.spotify.com/pod/show/besthouroftheirday/support
Downsizing from your large, long-held family home is a popular concept for retirees, but may not always be the best choice. Even though smaller homes are less costly & easier to maintain, giving up your family's major meeting venue may not be the best choice. This week we respond to a listener question on whether downsizing might be right for them, and cover Nvidia's recent earnings call and an article about the prevalence of gift card scams. Highlights [05.30] Market Update – News on Nvidia earnings. [11.24] Article of the Week – This week's article on gift card fraud. [15.40] Downsizing – Grant explains the reasons why people choose to downsize. [20.00] Not for everybody – Grant explains why downsizing doesn't suit everybody. [23.36] Advice - What to consider before downsizing. Resources Why gift card fraud slips through the cracks of America's banking regulation system https://theconversation.com/why-gift-cards-fall-into-a-gap-in-the-2-tier-banking-regulation-system-and-a-brief-history-of-why-that-gap-exists-236478 Dow Jones Futures Rise; Nvidia Pares Earnings Losses, Salesforce Jumps investors.com/market-trend/stock-market-today/dow-jones-futures-nvidia-earnings-guidance-salesforce-crowdstrike/ Outlive: The Science and Art of Longevity By Peter Attia amazon.com/Outlive-Longevity-Peter-Attia-MD/dp/0593236599
This week we get into the topic of helping others organize, downsize, and declutter. Whether it's a friend, family member, or neighbor, navigating through the process of assisting others can be challenging. We talk about the intricacies of being a helpful and compassionate organizer. So grab your favorite beverage, sit back, and join Stephanie as she shares her expertise in making the decluttering and organizing process more efficient and guilt-free.Join our weekly email newsletter for all-things organizing & productivity delivered right to your inbox https://theorganizedflamingo.com/quicklinksIn this episode we talk about:The importance of asking the right questions when helping others decluuter and downsize Setting boundaries, getting the project done quickly and with compassion How to ensure that you are prepared to offer the appropriate supportMentioned in this Episode:------The Organized & Productive podcast is brought to you by The Organized Flamingo and hosted by Stephanie Y. Deininger! For those of you who love the thought of organizing & being more productive, but don't know where to start or constantly up against hurdles that don't let you advance the way you want to, this podcast is for you!Review full show notes and resources at https://theorganizedflamingo.com/podcastJoin our weekly email newsletter for all-things organizing & productivity delivered right to your inbox https://theorganizedflamingo.com/quicklinks Hosted on Acast. See acast.com/privacy for more information.
Tips for starting the process and the conversation, as well as what to keep and what to let go.
Paying off debt is always a good thing…but paying it off before retirement is one of the best financial moves you'll ever make.It's a disturbing trend: more people than ever are retiring with debt. That reduces their lifestyle choices and increases the likelihood they'll have to return to work at some point. Today, we'll talk about carrying debt into retirement and how you can avoid it.Preparing for a Debt-Free Retirement: A Practical GuideAccording to the Federal Reserve's 2022 Survey of Consumer Finances, 65% of people aged 65 to 74 are in debt, up from 50% 35 years ago. This rising debt can severely impact your lifestyle in retirement and might even force you to return to work. Proverbs 22:7 warns, “The rich rule over the poor, and the borrower is the slave of the lender.”A recent report by T. Rowe Price revealed that 20% of previously retired individuals are back to work, either full or part-time, and another 7% are actively seeking employment. The primary reason? The need for more income. Inflation has increased costs by about 15% over the past three years, stretching many retirement budgets thin, especially those burdened with debt.Steps to Achieve a Debt-Free RetirementSet a Goal to Eliminate Debt Before Retirement—If you're 5, 10, or 15 years away from retirement, aim to have all your debts paid off by then. Eliminating a mortgage, car payment, or other debts can allow you to live on less and create a critical financial margin in retirement. Prepare for Economic Downturns—Debt restricts financial flexibility, especially during economic slowdowns and stock market declines. Since the economy moves in cycles, preparing for these downturns is essential.Practical Strategies to Pay Off DebtCut Expenses—Review your budget and eliminate unnecessary expenses. Often, we continue paying for things out of habit. A thorough budget overhaul can free up funds to pay down debt. Increase Your Income—Consider side work or other income-generating opportunities. Increasing your income, coupled with reducing expenses, can help you knock out debt faster. Downsize Your Home—If feasible, downsizing to a smaller house can be a significant financial move. Selling a larger home can provide enough equity to pay off the mortgage and purchase a smaller home with cash or a much smaller mortgage. This also reduces expenses like property taxes and maintenance costs. Accelerate Mortgage Payments—If downsizing isn't an option, focus on speeding up your mortgage payments. Use any extra income or savings from reduced expenses to pay down the mortgage principal. Making just one extra payment a year can significantly reduce the loan term and interest paid over the life of the loan. Tackle Credit Card Debt—Inflation increases credit card interest rates. To manage credit card debt, make more than the minimum payments. Use the “snowball method” by paying off the smallest balance first, then moving on to the next. This method is highly effective. Avoid Using Home Equity to Pay Off Consumer Debt—Using home equity to pay off credit card debt converts unsecured debt to secured debt, risking your home if payments aren't made. Additionally, it doesn't address the spending habits that led to the debt. Seek Professional Help—If you have more than $4,000 in credit card debt, consider contacting Christian Credit Counselors. They can help you create a debt management plan to pay off your debt 80% faster than going it alone.The Benefits of a Debt-Free RetirementAt FaithFi, we've never heard from anyone who regretted paying off their consumer debt or mortgage. Planning to get out of debt before retirement dramatically improves your chances of staying retired. This provides financial peace and frees up more time and resources to give back to God's Kingdom.While the current financial landscape may be challenging, taking proactive steps now can ensure a more secure and fulfilling retirement. Start today, and you'll thank yourself in the years to come.On Today's Program, Rob Answers Listener Questions:I recently retired and had a bad experience with an advisor who lost over $100,000 of my money in just a few months. What steps should I take to find an advisor I can trust? What questions should I ask them to ensure they fit me well?Should I pay cash or finance a piece of property I want to buy for $330,000? It's four acres of land behind where I live, and my friend is selling it to me. I have a lot of money in treasuries and CDs, but I don't have any credit. What do you recommend? Should I pay cash for the land using my treasuries and CDs, or should I try to finance it even though I don't have good credit?I'm receiving VA disability benefits, which are not taxable, but will my Social Security retirement be taxable? Will the VA benefits count as income, affecting how much my Social Security retirement is taxed?Given her situation, I'm wondering how to protect my mother's assets, including her 401k and home. She is 67 years old and has been diagnosed with dementia. I'm concerned about how to ensure my mother has access to her 401k to help pay for care if she needs to go into a home, but I also want to protect her assets and the house for inheritance down the road. What options do we have to do this?Resources Mentioned:Christian Credit CounselorsRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Guest links Jo Jacob Website Mentioned in this episode: Jo's downsizing e-book The Declutter Hub House Moving Checklist Episode 30 – Planning a house move About the Declutter Hub Podcast We're Ingrid and Lesley and are super excited you're here! If you're sick to the back teeth of clutter dictating your home life then we are here to help you get control back and spend your valuable time doing the things you want and not shuffling piles of stuff around 24/7. We have been decluttering and organising homes face to face and online for over 24 years together and have helped thousands of members and clients to regain the home of their dreams. We have a passion for people, practicality, and piles of paper and love nothing better than to carve out solutions for anyone overwhelmed with clutter. If that's you, you're in the right place. Our podcast is packed with actionable tips, inspiration and motivation to get your decluttering done. We believe decluttering is all about emotions first, stuff second. Tune in, subscribe and enjoy! New episodes every Friday. Get in touch We'd love to hear from you. We have so many ways that you can reach out to us to say hello. Our Free Facebook Group - The Declutter Hub Community - emotions based decluttering Instagram - @declutterhub Website - Declutterhub.com Our Membership - members.declutterhub.com Email - support@declutterhub.com Donate & Support the Podcast We have set ourselves up on Buy Me A Coffee, meaning that if you enjoy the podcast and our episodes you can give us a one-off donation to support us. We are totally committed to our free weekly content but if you would like to show us some love, that would be most appreciated. Buy Me A Coffee Can you spare 5 minutes of your day to leave us a review? Your reviews mean the podcast can be found more easily which in turn will mean more people can get the benefit of our decluttering advice. You can share a review on your chosen podcast player. Don't forget to hit follow or subscribe too. The Declutter Hub 2024 Learn more about your ad choices. Visit podcastchoices.com/adchoices
We're thrilled to welcome extreme cleaning specialist Matt Paxton back to the show. Matt has spent decades helping people sort through all the things they've accumulated in attics, basements, garages and elsewhere. You may know Matt from his years on the television shows, “Hoarders” or “Legacy List with Matt Paxton”. Matt is also the author of the book, "Keep the Memories, Lose the Stuff: Declutter, Downsize, and Move Forward with Your Life". His website is https://iammattpaxton.com/ Shopify is the all-in-one commerce platform that makes it simple for anyone to start, run and grow your own successful business. With Shopify, you'll create an online store, discover new customers, and grow the following that keeps them coming back. Shopify makes getting paid simple, by instantly accepting every type of payment. With Shopify's single dashboard, you can manage orders, shipping and payments from anywhere. Sign up for a one-dollar-per-month trial period at Shopify.com/nobody.