Podcasts about estimating

​​Today's guest is Lauren Hubert MS, RD. Lauren is the Registered Dietitian and weight loss expert behind the brand The Sorority Nutritionist (TSN) where she helps women learn how to eat for sustainable fat loss. In a world where fad diets and contradicting information on the Internet is always making us believe we need to be restrictive and miserable to lose weight, TSN is disrupting the weight loss space by teaching women how to eat and approach weight loss with a simple, flexible and actually enjoyable approach. In this episode we talk about why you don't need to go “low carb” to lose weight, why most people underestimate how much they actually eat, how to build healthy eating habits that last, how to prevent self-sabotage after messing up on your diet, how to effectively track your progress, non negotiables for weight loss and more. Thanks to today's sponsor:   Paleovalley:   https://paleovalley.com/   Use Promo code "Doug" at checkout to receive 15% off your order What to Listen For: 00:00 Intro 01:15 The “low carb” myth 04:58 Tracking calories properly 09:07 Developing healthy habits that last 11:27 What to do when you don't see results 13:15 Does she refer people to therapy? 16:09 How to prevent self sabotage when dieting  18:49 Remaining optimistic on the journey  23:54 Eggless breakfast ideas 25:43 How to eat foods that you don't like 27:29 Being too obsessive with food 29:59 Healing an unhealthy relationship with food  32:09 Reducing stress while dieting 34:01 The problems with the nutrition education system 38:57 Eating for weight loss AND longevity  45:16 Snack ideas 47:57 Organic vs non-organic  49:09 Incorporating “unhealthy” foods 51:20 Estimating how many calories you should be eating Episode Resources: Lauren | Instagram, Website     ⚠ WELLNESS DISCLAIMER ⚠ Please be advised; the topics related to mental health in my content are for informational, discussion, and entertainment purposes only. The content is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek the advice of your mental health professional or other qualified health provider with any questions you may have regarding your current condition. Never disregard professional advice or delay in seeking it because of something you have heard from your favorite creator, on social media, or shared within content you've consumed. If you are in crisis or you think you may have an emergency, call your doctor or 911 immediately. If you do not have a health professional who is able to assist you, use these resources to find help: Emergency Medical Services—911 If the situation is potentially life-threatening, get immediate emergency assistance by calling 911, available 24 hours a day. National Suicide Prevention Lifeline, 1-800-273-TALK (8255) or https://suicidepreventionlifeline.org.  SAMHSA addiction and mental health treatment Referral Helpline, 1-877-SAMHSA7 (1-877-726-4727) and https://www.samhsa.gov  

In this episode, construction guru Brad Humphrey talks with Jason Hurdis, quarry and aggregate expert and Lonnie Fritz, heavy construction and road building expert for Caterpillar. They discuss the importance of capturing the true operating cost of each machine on the construction jobsite. Construction companies, no matter the size, need to establish a budget for equipment maintenance throughout the year to remain profitable. Talking to the equipment dealer is key to knowing maintenance and extended oil intervals.

This week we're going back to 2007 with The Big Short! Join us as we learn about bespoke tranche opportunities, various hedge fund guys, Sofia's predictions for what Millennial side hustles will look like when none of us are retired in 50 years, and more! Sources: Jack Schwager, Hedge Fund Market Wizards: How Winning Traders Win. Wiley, 2012 Indiewire interview with Adam McKay: https://www.indiewire.com/2015/12/interview-adam-mckay-talks-the-big-short-making-a-bourne-style-financial-drama-angering-judd-apatow-more-100043/ John Szramiakje, "Here's the Story of One of the Heroes of the Big Short," Insider, available at https://www.businessinsider.com/michael-burry-life-story-2017-5 Johnny Brayson, "Where the Big Short's Michael Burry Is Today," Bustle, available at https://www.bustle.com/articles/133631-what-is-michael-burry-doing-today-the-big-short-character-is-still-weary-of-the-financial Reed Stevenson and Bloomberg, "Criminally Unjust: Big Short Investor Who Called Subprime Mortgage Collapse Slams Coronavirus Lockdowns," Fortune, available at https://fortune.com/2020/04/07/big-short-michael-burry-subprime-mortgage-coronavirus-lockdowns/ Flaxman et al, "Estimating the Effects of Non-Pharmaceutical Interventions on COVID-19 in Europe," Nature, available at https://www.nature.com/articles/s41586-020-2405-7 John J. McConnell and Stephen A. Buser, "The Origins and Evolution of the Market for Mortgage-Backed Securities," Annual Review of Financial Economics 3 (2011): 173-92, https://www.jstor.org/stable/42940424.  Neil Fligstein and Adam Goldstein, "The Roots of the Great Recession," in The Great Recession eds. David B. Grusky, Bruse Western, and Christopher Wimer (Russel Sage Foundation), https://www.jstor.org/stable/10.7758/9781610447508.6  Richard H. Sander, Yana A. Kucheva, and Jonathan M. Zasloff, "The Mortgage Crisis and the Great Recession," Moving toward Integration: The Past and Future of Fair Housing (Harvard University Press, 2018)., https://www.jstor.org/stable/j.ctv24trdcq.28  Donald Palmer and Michael W. Maher, "The mortgage meltdown as normal accidental wrongdoing," Strategic Organization 8, no.1 (2010): 83-91. https://www.jstor.org/stable/23728572   Robert J. Schiller, "Mortgage Lenders and Securitizers," Finance and the Good Society (Princeton University Press),  https://www.jstor.org/stable/j.ctt32bb86.11  John Divine, "What Is a Bespoke Tranche Opportunity?" U.S. News & World Report (16 August 2021), https://money.usnews.com/investing/stock-market-news/articles/what-is-a-bespoke-tranche-opportunity  Adam Uzialko, "The Return of CDOs: Is Another Economic Crisis on the Horizon?" Business News Daily (21 February 2023), https://www.businessnewsdaily.com/10353-cdo-financial-derivatives-economic-crisis.html  Erin Corbett, "Bespoke Tranche Opportunities Vs. CDOs," Bustle (30 March 2016), https://www.bustle.com/articles/150913-how-are-bespoke-tranche-opportunities-collateralized-debt-obligations-different-lets-break-it-down  Hillary E. Crawford, "The Danger of Bespoke Tranche Opportunities," Bustle (5 April 2016), https://www.bustle.com/articles/152086-are-bespoke-tranche-opportunities-dangerous-they-pose-a-risk-just-not-right-away  Christopher Whittall, "RPT-Banks, investors pile back into synthetic CDOs," (29 April 2019), https://www.reuters.com/article/idUSL5N22B5Q2  Christopher Whittall, "Synthetic CDO machine whirrs into gear again," (20 May 2022), https://www.ifre.com/story/3375562/synthetic-cdo-machine-whirrs-into-gear-again-ntzlc1mtzp 

Photo: No known restrictions on publication. @Batchelorshow #Panama: #DarienGap: Estimating 400,000 in 2023 & What is to be done? MichjaelYon/Locals.com https://www.msn.com/en-us/news/other/cnn-trekked-with-migrants-through-the-treacherous-darien-gap/ar-AA19YSWk

Conversations with business owners who actually get it done.In today's episode we cover:- Advice on starting out.- Buying equipment and consumables.- Estimating for plasma table work. 

Estimating the FAAB spend on the top pickups for week 4 in 15 minutes (I tried for 5 minutes). Also discussed drops this isnt what I would bid, it's what I think the average Main Event bids will be

A FSBO (For Sale By Owner) seller wants to move forward with your offer—that's great news! But first, they have asked you to pull comps (comparable sales). Believe it or not, this is something you can use to your advantage. Of course, you'll need to know where to find comps and how to estimate rehab costs so that you can defend your offer. Thankfully, Ashley and Tony are back with some of their best tips yet. Welcome back to another Rookie Reply! Negotiating a FSBO sale can be a little intimidating, but our hosts are here to help you navigate the entire process. In this episode, we also discuss and compare real estate financing options, from conventional mortgages to portfolio loans. We even weigh the pros and cons of personal debt versus commercial debt. Struggling to find a tenant for your rental? You'll want to hear what we have to say about lowering rent prices, as well as other steps you can take to fill your vacancy and improve your cash flow immediately! If you want Ashley and Tony to answer a real estate question, you can post in the Real Estate Rookie Facebook Group! Or, call us at the Rookie Request Line (1-888-5-ROOKIE). In This Episode We Cover What you need to get approved for a commercial real estate loan How to structure your first real estate investing partnership The pros and cons of taking on personal mortgage debt instead of commercial debt The best ways to estimate rehab costs When you should consider lowering rent prices to fill a vacancy How to find sales comps for a FSBO property (or any property!) you're buying And So Much More! Links from the Show Find an Investor-Friendly Real Estate Agent Real Estate Rookie Facebook Group Join BiggerPockets for FREE A Step-by-Step Guide to Estimating Rehab Costs w/ Master Flipper & Investor James Dainard (Part 1) Finding Contractors, Renovation Red Flags, and Estimating Rehab Costs (Part 2) w/ James Dainard Propstream Zillow BiggerPockets Bookstore MLS Realtor.com Real Estate Rookie Youtube Channel Book Mentioned in This Episode: The Book on Estimating Rehab Costs by J Scott Connect with Ashley and Tony: Ashley's BiggerPockets Profile Ashley's Instagram Tony's BiggerPockets Profile Tony's Instagram Check the full show notes here: https://www.biggerpockets.com/blog/rookie-278 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email: advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: [Linkpost] Inconsistent evidence for price substitution between butter and margarine: A shallow review, published by samaramendez on April 14, 2023 on The Effective Altruism Forum. Executive summary One prominent strategy for reducing animal product usage is to decrease the prices of plant-based analogs for meat, dairy and eggs. Cross-price elasticities measure how prices of analogs affect sales of animal products, and vice versa. Previously, we found cross-price elasticities that sometimes indicated decreased plant-based milk prices could cause increased consumption of dairy milk. To see whether this result replicated, we studied elasticities of butter and margarine. We synthesize 52 cross-price elasticities from 19 demand studies of butter and margarine. We expected butter and margarine to be substitutes. Instead, we observed wide variation in estimates, complementarity, and even opposite signs of two elasticities for the same pair of products in the same setting (study, time, country, etc.). Margarine was a substitute for butter in two thirds of estimates, while butter was a substitute for margarine in about half of estimates. The results are likely explained by some combination of methodological issues and complex consumer behavior. Estimating elasticities from observational data is very difficult, and there is some evidence of methodological issues in the literature. Consumer behavior may be highly context specific. Our best highly uncertain guess is that methodological issues contribute 45% of the observed variation in results, with complex consumer behavior accounting for the remaining 55%. Price substitution between plant-based analogs and animal products is not a certainty. It is possible that decreasing plant-based analog prices causes harmful increases in animal product usage in some contexts. Research aiming to test behavioral theories that might explain our results and to validate observational estimates of elasticities against experimental methods may help clarify consumer behavior. Thanks for listening. To help us out with The Nonlinear Library or to learn more, please visit nonlinear.org.

Today, we begin with a conversation about the violence interruption program Safe Streets. It's a central fixture of the Group Violence Reduction Strategy that Baltimore Mayor Brandon Scott has implemented to reduce violence in our city. Safe Streets has operated in some areas for 15 years, providing credible counselors, known to their communities, who help diffuse tense situations and help people resolve conflicts peacefully. Last week, the Johns Hopkins Bloomberg School of Public Health Center for Gun Violence Solutions released a report assessing the effectiveness of Safe Streets. It concludes “that there is evidence that Safe Streets has yielded important reductions in homicides and nonfatal shootings.” Dr. Daniel Webster, a distinguished research scholar at the Center for Gun Violence Solutions. is the lead author of the report, called Estimating the Effects of Safe Streets Baltimore on Gun Violence.  Professor Daniel Webster join us on Zoom.See omnystudio.com/listener for privacy information.

In this episode we continue our multipart series on BAS Project Estimates. We will cover: How to create a bill of materials How to identify item requirements for your BoM And our live Q&A Session!

Hour 3: Craig says he will not sell his soul for Shohei Ohtani because of the ramifications in the afterlife. 

Estimating Impact Of Food Choices On Life Expectancy Joel K. Kahn MD • https://drjoelkahn.com/ • Book - The Plant-Based Solution: America's Healthy Heart Doc's Plan to Power Your Health #DrJoelKahn#PlantBaseDiet #Vegan #heartdisease  Dr Joel Kahn is a Practicing Medical Doctor, Podcaster and Author.Dr Kahn holds a M.D. in Cardiology from University of Michigan Medical School. He is a Professor of Medicine at Oakland University William Beaumont School of Medicine andfrom 1986 to 1989 took part in Interventional Cardiology Residency Program at The University of Texas Southwestern Medical Center at Dallas. He works as an independent Holistic Cardiologist and manages the Kahn Center for Cardiac Longevity, ** focused on early detection and reversal of heart diseases. In addition to that, Joel is a Columnist at The Huffington Post and Readers Digest. At his core, Dr. Joel Kahn believes that plant-based nutrition is the most powerful source of preventative medicine on the planet. Having practiced traditional cardiology since 1983, it was only after his own commitment to a plant based vegan diet that he truly began to delve into the realm of non-traditional diagnostic tools, prevention tactics and nutrition-based recovery protocols. These ideologies led him to change his approach and focus on being a holistic cardiologist. He passionately lectures throughout the country about the health benefits of a plant-based anti-aging diet inspiring a new generation of thought leaders to think scientifically and critically about the body's ability to heal itself through proper nutrition. One of the world's top cardiologists, Dr. Joel Kahn has treated thousands of acute heart attacks during his career. He'd like all that to stop. He'd like to prevent ALL future heart attacks by breaking through to the public to educate and inspire a new holistic lifestyle. Now is the time to focus on educating the public to eat clean, sweat clean and apply cutting edge science to their lifestyle.On his podcast each week, Dr. Kahn fights for your health with his unique brand of eastern and western medicine focusing on wellness of mind, body and spirit. Each month he will interview a Health Hero and how their journey can help you find wellness, discuss with a leader in heart disease how to reverse heart disease, talk to leaders in the food movement for health, and review the science that can take you to a new level. He is known internationally as the heart doctor not afraid to take on the giants and expose lies, follies, and confusion so you know the path to feeling better, looking better, and living better. Dr Kahn is an acclaimed author whose most recent book is Lipoprotein(a),: The Heart's Quiet Killer: A Diet and LIfestyle Guide. Leading medical professionals and best-selling authors Michael Greger, Dean Ornish, Joel Fuhrman, and David L. Katz have lauded cardiologist Joel Kahn on this breakthrough book on lipoprotein(a). An estimated one in five people have elevated levels of a type of cholesterol called lipoprotein(a) which can increase the risk for cardiovascular disease, including blocked arteries, blood clots, and stroke. Dr. Kahn explains how this condition is a factor of genetics rather than poor lifestyle choices, pinpoints who needs to have their levels checked, and which types of tests to request. He also shares research that shows plant-based diets in general provide the best defense against heart attacks, strokes, and cardiovascular disease and can play an important role in protecting individuals with elevated lipoprotein(a) levels. He has partnered with vegan expert Beverly Lynn Bennett who provides dozens of delicious, oil-free recipes that feature foods rich in the nutrients found to be the most protective for heart-health. To Contact  Dr Joel Kahn  go to DrJoelKahn.com Disclaimer:Medical and Health information changes constantly. Therefore, the information provided in this podcast should not be considered current, complete, or exhaustive. Reliance on any information provided in this podcast is solely at your own risk. The Real Truth About Health does not recommend or endorse any specific tests, products, procedures, or opinions referenced in the following podcasts, nor does it exercise any authority or editorial control over that material. The Real Truth About Health provides a forum for discussion of public health issues. The views and opinions of our panelists do not necessarily reflect those of The Real Truth About Health and are provided by those panelists in their individual capacities. The Real Truth About Health has not reviewed or evaluated those statements or claims. 

Heidi J. Ellsworth sits down with John Kenney of Cotney Consulting and Eugene Zukowski of Jobba to talk about estimating software and the roofing industry. John has been estimating for over 40 years and currently teaches and certifies roofing estimators across the country. They will talk about the key functions of roofing estimating and how technology is changing the estimating game. Do not miss this educational and informational RLW! 

Today you'll learn about a robot with the ability to pick up a single drop of water, how scientists have created a computer algorithm that can predict Malaria hotspots, and what naked mole rats have to teach us about human fertility. One Drop Robot “New robot can pick up a single drop of liquid” by Stephen Orneshttps://www.snexplores.org/article/innovation-2023-robot-can-pick-up-drop-of-liquid“On-demand, remote and lossless manipulation of biofluid droplets” by Wei Wang et al. (PAYWALL)https://pubs.rsc.org/en/content/articlelanding/2022/mh/d2mh00695b“Novel soft robotic droplet manipulator for hazardous liquid cleanup” by ASHWINI SAKHARKARhttps://www.inceptivemind.com/novel-soft-robotic-droplet-manipulator-hazardous-liquid-cleanup/28367/“Soft Robotics” by Techopediahttps://www.techopedia.com/definition/32895/soft-roboticsMalaria Forecast “WHO Coronavirus Dashboard”https://covid19.who.int/“New analysis could help forecast malaria outbreaks” by Rob Jordanhttps://medicalxpress.com/news/2023-02-analysis-malaria-outbreaks.html“Climatic, land-use and socio-economic factors can predict malaria dynamics at fine spatial scales relevant to local health actors: Evidence from rural Madagascar” by Julie D. Pourtois et al.https://journals.plos.org/globalpublichealth/article?id=10.1371/journal.pgph.0001607“Estimating the local spatio‐temporal distribution of malaria from routine health information systems in areas of low health care access and reporting” by Elizabeth Hyde et al.https://ij-healthgeographics.biomedcentral.com/articles/10.1186/s12942-021-00262-4Naked Mole Rat Fertility “Naked mole rats reveal biological secrets of lifelong fertility” by Christa Lesté-Lasserrehttps://www.newscientist.com/article/2360377-naked-mole-rats-reveal-biological-secrets-of-lifelong-fertility/“Postnatal oogenesis leads to an exceptionally large ovarian reserve in naked mole-rats” by Miguel Angel Brieño-Enríquez et al.https://www.nature.com/articles/s41467-023-36284-8“Germ cell nests in adult ovaries and an unusually large ovarian reserve in the naked mole-rat” by Ned J. Place et al.https://rep.bioscientifica.com/view/journals/rep/161/1/REP-20-0304.xmlFollow Curiosity Daily on your favorite podcast app to get smarter with Calli and Nate — for free! Still curious? Get exclusive science shows, nature documentaries, and more real-life entertainment on discovery+! Go to https://discoveryplus.com/curiosity to start your 7-day free trial. discovery+ is currently only available for US subscribers.Find episode transcripts here: https://curiosity-daily-4e53644e.simplecast.com/episodes/one-drop-robot-malaria-forecast-naked-mole-rat-fertility

What must an investor consider when planning to work with a contractor? Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Matthew Nosal, NEGC Remodeling ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2023.

Today on the Tim Faller Show, Geno Arroyo joins the show to discuss successful estimating. Geno goes through his process as an estimator for each project from start to finish. Suppose you want a more in-depth breakdown of his methods, including getting labor costs right, then you must attend Remodelers Advantage's Art of Estimating masterclass,...

Technology is at the forefront. How do you keep up in the construction industry?   In the world of construction, technology is changing the game. From 3D laser scanning to drones and photogrammetry, the industry has seen a massive improvement in project management, cost savings, and time management. In this episode of Profit Tool Belt, licensed land surveyor and construction technology expert who founded Nexus 3D Consulting & Reality Capture NetworkMatthew Byrd shares his insights on how these technologies are being used in construction and the benefits they offer.   Byrd discusses the different applications of 3D laser scanning, how drones can capture high-resolution images and videos, and virtual reality in creating immersive environments for clients. He also emphasizes the need for more skilled personnel in the field and how 3D scanning can be used to train the next generation of workers.   This episode is a must-listen for anyone in the construction industry looking to stay ahead of the curve and learn more about the latest technological advancements in the field.    Tune in now to hear from one of the top experts in construction technology!  

       Cattle Rebuild Slow Down and Unusual Hog Markets        Estimating First Hollow Stem to Reduce Yield Loss Potential        Algae Management Strategies in Ponds   00:01:09 – Cattle Rebuild Slow Down and Unusual Hog Markets: We start off today's program with an update on the activity taking place in cattle market last week. In addition to the cattle market report, Katelyn McCullock, director of the Livestock Marketing Information Center, discusses some unusual activity in the hog market, a slowdown in rebuilding the U.S. cattle herd and some of the things the LMIC will be watching closely in the coming months. 00:12:09 – Estimating First Hollow Stem to Reduce Yield Loss Potential: With spring just around the corner, K-State wheat and forage specialist Romulo Lollato shares insight on tools for estimating first hollow stem in wheat. The important growing stage serves as an indicator for when those with dual purpose systems need to consider removing animals from grazing to minimize grain yield losses. Wheat Hollow Stem Tool on the Kansas Mesonet Stay up to date with the K-State Research and Extension Agronomy eUpdate   00:23:09 – Algae Management Strategies in Ponds: We end today's show with this week's wildlife segment where we are joined by K-State aquatics and fisheries specialist, Joe Gerken. Joe discusses getting ahead with controlling algae in ponds and short term versus long term management options.   Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu. Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Samantha Bennett and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Research and Extension is a short name for the Kansas State University Agricultural Experiment Station and Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices, experiment fields, area Extension offices and regional research centers statewide. Its headquarters is on the K‑State campus in Manhattan.  

Estimating software development is a challenging task. In this episode of the podcast, we discuss ways to approach estimating and how to produce more accurate estimates for your work. Panelists: Ryan Burgess - @burgessdryan Jem Young - @JemYoung Stacy London - @stacylondoner Augustus Yuan - @augburto Picks: Ryan Burgess - What is ChatGPT doing… and why does it work? Ryan Burgess - Elgato Mic Arm LP Jem Young - Physical 100 Jem Young - Valley Silicon: Ringo Stacy London - Bala Rocky by Minihi Stacy London - Glycerine by Allison Lorenzen, Midwife Augustus Yuan - Windows XP logos Augustus Yuan - Web Push for Web Apps on iOS and iPadOS Episode transcript: https://www.frontendhappyhour.com/episodes/the-art-of-estimates-how-many-drinks-have-we-had

Dan has Nathan Downs sit in as a Celebrity Co-Host as they interview Justin Judy of Fence Estimating Software ArcSite. Don't be fooled, the guys talk ArcSite briefly and then dive into what Arcsite is doing for the construction industry outside of their estimating software. Click one of the links below to help grow your company to the next level!! When you think ArcSite, just don't think about their software, THINK of them as a partner with the industry▶ ArcSite Homeowners Report - a Blueprint to Growth on how over 1000 homeowners decide to hire, choose and pay a contractor!▶ ArcSite Free Webinars - Free webinars to help your business conquer the slow season, how to increase your closing rate and more!!!▶ ArcSite YouTube Channel - Clips of Tips and Tricks how to grow your business with content like... How To Retain Team Members and much much more.▶ ArcSite Free eBooks - Like their "10 Marketing Tips To Level Up Your Contracting Business"▶ Get 10% Off each month for 12 month of ArcSite using Promo Code 10Off!!!The Fence Software where drawings price themselves!▶ Register for the Fence Show & Security Expo coming in August 2023 hosted by the FWA (Fence Workers Association)Use Promo Code MFL50 to get 3 days FREE on the Exhibitor Floor▶ Register and see when the next FREE Stain & Seal University will be near you!!▶ Hey #FenceLifers, get your My Fence Life Swag ⬅️ here, just fill out the contact form and wait by the mailbox!!▶ Get early access to BizzRater. The only platform that allows YOU to "Take Advantage of Your Reviews"! Use PROMO code MFL30 and save 30%▶ Thank you to todays show sponsor

Our guest on the podcast today is financial journalist and certified financial planner, Robert Powell. His work appears regularly in MarketWatch.com, USA TODAY, TheStreet.com, The Wall Street Journal, and AARP. Bob also serves as the director of Retirement Education at Sensible Money and as editor in chief of the Investments and Wealth Institute's Retirement Management Journal. He is also an instructor in Salem State University's Online Elder Planning Specialist program. In addition, Bob hosts two podcasts himself: the Investments and Wealth Institute's Exceptional Advisor podcast and the Callaway Climate Insights podcast. He received his bachelor's degree from Marquette University and a master's degree from Boston University.BackgroundBioTwitter handle: @RetirementpediaThe Exceptional Advisor podcastCallaway Climate InsightsCurrent Environment“60/40 Portfolio—Dead or Alive?” by Robert Powell, marketwatch.com, Jan. 11, 2023.Tony Davidow“Common Retirement Questions: Should I Be More Conservative With My Portfolio?” by Mer Brown, the street.com, Dec. 23, 2022.“Estimating the True Cost of Retirement,” by David Blanchett, Morningstar.com, Nov. 5, 2013.“The Bucket Approach to Building a Retirement Portfolio,” by Christine Benz, morningstar.com, Nov. 23, 2022.“Spending Trajectories After Age 65,” by Michael Hurd and Susann Rohwedder, rand.org, 2022.Decumulation“Why Target-Date Funds May Be Sabotaging Your Retirement,” by Robert Powell, marketwatch.com, Aug. 17, 2022.“What Is the Average Retirement Age?” by Emily Brandon, money.usnews.com, July 26, 2022.“2018 Retirement Confidence Survey,” Employee Benefit Research Institute, ebri.org, April 24, 2018.Retirement Income Style Awareness Profile (the RISA®)“Managing Post-Retirement Risks: A Guide to Retirement Planning,” Society of Actuaries, soa.org, 2011.“Saving for Retirement Is Easy Enough—Spending It Is More Complicated,” by Robert Powell, marketwatch.com, March 26, 2022.AnnuitiesMoshe Milevsky“Retirement Spending and Biological Age,” by M.A. Milevsky, H. Huang, and T.S. Salisbury, moshemilevsky.com, Sept. 20, 2017.“Retirement Income for Life: 4-Box Strategy,” by Robert Powell, marketwatch.com, Nov. 8, 2012.Social Security“How to Claim Social Security at the Right Time,” by Robert Powell, marketwatch.com, Aug. 28, 2021.“Do the Math. Here's Why You Shouldn't Claim Social Security at Age 62,” by Robert Powell, usatoday.com, Aug. 9, 2019.“Who Does Social Security Provide Benefits To? It's Not Just the Elderly Who Qualify,” by Robert Powell, usatoday.com, Jan. 10, 2023.Long-Term Care“Planning for Unexpected Health Care Costs in Retirement,” by Sudipto Banerjee, troweprice.com, March 2022.“A New Way to Calculate Retirement Health Care Costs,” by Sudipto Banerjee, troweprice.com, February 2020.“Cumulative Out-of-Pocket Health Care Expenses After the Age of 70,” by Sudipto Banerjee, ebri.org, April 3, 2018.“Are Healthcare Costs in Retirement Overwhelming?” by Robert Powell, fa-mag.com, Nov. 1, 2022.“Planning for Health Care Costs in Retirement,” Vanguard Research and Mercer Health & Benefits, vanguard.com, June 2021.OtherElder Planning Specialist Program

Conventional soil testing provides growers with a look at the concentration of minerals present in soil. Western Ag soil analysis takes soil testing one step further by providing growers with a look at what minerals are available for root uptake. Edgar Hammermeister is one of the lead agronomists for Western Agriculture, and he spoke with... Read More

How do you estimate a building automation project? In this episode we continue our multipart series on BAS Project Estimates. We will cover: How to perform a takeoff How to build a scope document How to identify scope items And our live Q&A Session!

Estimating building automation work can be very difficult. You have so many moving parts and pieces that can affect your project cost. In this Smart Buildings Academy Podcast series, we are going to dive deep into the topic of estimating. This multipart series will discuss: Estimating Techniques Takeoffs Bill of Material Generation Cost category identification If you're looking to learn how to estimate I encourage you to watch/listen to this new series.

In episode 13 of DC Dynamics, Demystifying the Revenue Estimating Process, host Ray Beeman, from Washington Council EY, is joined by Robert Carroll, the head of EY's Quantitative Economics and Statistics ("QUEST") group, to discuss how the revenue estimating process plays into the tax policy legislative process.    What EY can do for you   WCEY's professional services help clients achieve their legislative and regulatory objectives. In each case, the goal is to help you seize opportunities or mitigate risks so you stay ahead of changes brought by passage of new legislation, promulgation of new regulations or electoral outcomes.   Learn more at:  https://www.ey.com/en_us/tax/washington-council-ernst-young

This episode explains why the ability to estimate snow temperature for a future event is so critical to being a good waxer. I then explain how to do it and what the most common mistake is.

Quick catch up with Jacob Keith the Preconstruction Director at Layton in Salt Lake City. Discussed: - 25 years of Preconstruction & Estimating - 10 years with The Beck Group - Design & Build, CM@Risk and GMP - Building a competitive but realistic GMP to win work whilst managing a clients expectation - Inflation, supply chain issues - And of course our Question time segment.... Enjoy and stay tuned for more great Preconstruction craic.

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: Remote Health Centers In Uganda - a cost effective intervention?, published by NickLaing on February 27, 2023 on The Effective Altruism Forum. TLDR: Operating basic health centers in remote rural Ugandan communities looks more cost-effective than top GiveWell interventions on early stage analysis - with huge uncertainty. I'm Nick, a medical doctor who is co-founder and director of OneDay Health (ODH). We operate 38 nurse-led health centers in healthcare “black holes,” remote rural areas more than 5 km from government health facilities. About 5 million Ugandans live in these healthcare black holes and only have bad options when they get sick. ODH health centers provide high-quality primary healthcare to these communities at the lowest possible cost. We train our talented nurses to use protocol based guidelines and equip them with over 50 medications to diagnose and treat 30 common medical conditions. In our 5 years of operation, we have so far treated over 150,000 patients – including over 70,000 for malaria. Since we started up 5 years ago, we've raised about $290,000 of which we've spent around $220,000 to date. This year we hope to launch another 10-15 OneDay Health centers in Uganda and we're looking to expand to other countries which is super exciting! If you're interested in how we select health center sites or more details about our general ops, check our website or send me a message I'd love to share more! Challenges in Assessing Cost-Effectiveness of OneDay Health Unfortunately, obtaining high-quality effectiveness data requires data from an RCT or a cohort study that would cost 5-10 times our current annual budget. So we've estimated our impact by estimating the DALYs our health centers avert through treating four common diseases and providing family planning. I originally evaluated this as part of my masters dissertation in 2019 and have updated it to more recent numbers. As we're assessing our own organisation, the chance of bias here is high. Summary of Cost-Effectiveness Model To estimate the impact of our health centers, we estimated the DALYs averted through treating individual patients for 4 conditions: malaria, pneumonia, diarrhoea, and STIs. We started with Ugandan specific data on DALYs lost to each condition. We then adjusted that data to account for the risk of false diagnosis and treatment failure (in which case the treatment would have no effect). We then added impact from family planning. Estimating impact per patient isn't a new approach. PSI used a similar method to evaluate their impact (with an awesome online calculator), but has now moved to other methods. Inputs for our approach Headline findings For each condition, we multiplied the DALYs averted per treatment by the average number of patients treated with that condition in one health center in one month. When we added this together that each ODH health center averted 13.70 DALYs per month, predominantly through treatment of malaria in all ages, and pneumonia in children under 5.ODH health centers are inexpensive to open and operate. Each health center currently needs only $137.50 per month in donor subsidies to operate. The remaining $262.50 in expenses are covered by small payments from patients. Many of these patients would have counterfactually received treatment, but would have incurred significantly greater expense to do so (mainly for travel). In addition, about 40% of patient expenses were for treating conditions not included in the cost-effectiveness analysis. We estimate that In one month, each health center averts 13.70 DALYs and costs $137.50 in donor subsidies. This is roughly equivalent to saving a life for $850, or more conservatively for $1766 including patient expenses. However, there is huge uncertainty in our analysis. The Analysis Measuring Impact by Estimating DALYs...

When it comes to commercial snow removal, which is better, self-performing or working with trade partners? If you go the trade partner route, how do you recruit new subcontractors to your company when nearly everyone with that business model is trying to find them? Check out today's episode to hear directly from the co-founder of a now $25 million commercial snow and landscape company about how they've grown and an interesting mindset around competition that he believes has been a key to his success.Watch the full episode + see the transcript at: https://landscapersguide.com/podcast/Save your seat for Win The Spring, a half-day virtual workshop where you'll learn new ideas to kick the year off strong while retaining as many employees as possible. WinTheSpring.com

FenderBender's own Greg Lobsiger joins the show to go more in depth on his February column, "Estimating for Higher Gross Profits." Check that out here before diving into our conversation.

Ty Beal, nutrition researcher and Research Advisor on the Knowledge Leadership team at the Global Alliance for Improved Nutrition (GAIN), has spent the last few years diving into the science globally to see what the most nutrient-dense foods are.   He also studies the nutritional deficiencies that we're facing worldwide — in developing and well-off countries — to see what's really happening here.   In this episode, you'll learn what the most nutrient-dense foods are, the most common micronutrient deficiencies we're currently facing and why this is crucial to pay attention to, how we can address these issues, and what the real food rankings should look like.   Ty and Dr. Anthony Gustin also discuss regenerative agriculture, different diets like vegan and carnivore, whether seed oils are unhealthy, and the bioavailability of food.   You'll also hear Ty's opinion on whether we should reduce our meat consumption, including red meat, his thoughts on saturated fat, and whether plant toxins are really an issue.   If you're not familiar with Ty Beal's work, he's a Washington, D.C., based researcher and Research Advisor on the Knowledge Leadership team at the Global Alliance for Improved Nutrition (GAIN).   His objective work has been quoted in dozens of research papers to date, and he has extensive experience studying diet quality, food affordability, sustainable food systems, micronutrient deficiencies, global health, and more.   You'll find a breakdown of the topics Ty Beal and Dr. Anthony Gustin get into in this episode below: What got Ty Beal into nutrition research What he changed on his own health journey What makes a food ultra processed? What makes ultra processed foods so bad for your health? The most prevalent nutrient deficiencies worldwide Why are these nutrient deficiencies happening? What are some of the most nutrient dense foods? Where Ty goes to see the nutrient density of a food What about the bioavailability of foods? Is there enough scientific evidence to say that we should reduce our animal consumption? Ty shares his thoughts on regenerative agriculture and using circular systems, including what the latter is Should red meat be demonized as much as it currently is? Is saturated fat really bad for us? Ty also shares his thoughts on consuming seed oils   Resources mentioned in the episode: Ty Beal's work on Google Scholar  Ty Beal's Twitter Micronutrient deficiencies among preschool-aged children and women of reproductive age worldwide: a pooled analysis of individual-level data from population-representative surveys Limitations of the Food Compass Nutrient Profiling System Friend or Foe? The Role of Animal-Source Foods in Healthy and Environmentally Sustainable Diets Protein quality as a complementary functional unit in life cycle assessment (LCA) Measuring what the world eats: Insights from a new approach Estimating national and subnational nutrient intake distributions of global diets The Keto Answers Podcast Episode 20: Nina Teicholz - Embracing Saturated Fat and Why Our Nutrition Policy Is Wrong The Natural State Podcast Episode 166: Dr. Bill Schindler -  Learning How To Eat Like a Human The Natural State Podcast Episode 163: Chris Kresser - Addressing Nutrient Deficiencies in Healthy Populations, The Most Nutrient Dense Foods, Pleiotropic Interventions, and More The Natural State Podcast Episode 158: Dr. Stephan van Vliet - Comparing the Nutrient Density of Grass-Fed vs. Grain-Fed Meat The Natural State Podcast Episode 139: Eric Perner - Optimizing Regenerative Agriculture for a Better Future for Our Planet Anna Borek's self experimentation on oats versus canola oil  

In this episode Brian breaks down rules to garner the biggest dollar estimates (and close them)   Come listen now   https://superiorautoinstitute.com

Dr. Kenneth Langa discusses his paper, "Estimating the Prevalence of Dementia and Mild Cognitive Impairment in the US". Show references: https://jamanetwork.com/journals/jamaneurology/article-abstract/2797274?resultClick=1 This episode is brought to you by Mass General Brigham Department of Neurology, please visit us at www.massgeneralbrigham.org.

Quick Clips today with the Executive Director of Society of Collision Repair Specialists (SCRS),  Aaron Schulenburg.Aaron is a passionate representative of the collision repair community. He serves as the Executive Director for the Society of Collision Repair Specialists (SCRS), a national trade association representing over 40 affiliate associations, 6,000 collision repair businesses and 58,500 specialized professionals within the collision repair industry.Having previously held positions at collision repair facilities in Arizona, Delaware, and Maryland, Aaron has entrenched himself in active industry involvement throughout his career, affording him the ability to bring relevant firsthand experience to his role. He served as the first administrator for the nationally acclaimed Database Enhancement Gateway (DEG), has chaired committees on Estimating and Consumer Relations for the Collision Industry Conference, held an executive seat on the Washington Metropolitan Auto Body Association board of directors, and served on the National Auto Body Council board of directors.Aaron has been highlighted by his membership as a creative and positive leader within the collision industry, and brings insight on areas of focus for collision repair professionals, garnered through SCRS' national position in the industry. Aaron became also a Panelist to SAE International from Sep 2016–Sep 2016.Click the link below to listen for the full episode 24:https://www.buzzsprout.com/1895628/11228899If you are interested in learning more about ClarityCoat, you can visit us here-Website: https://claritycoat.comFacebook: https://facebook.com/claritycoatofficialInstagram: https://instagram.com/claritycoat_official

Dr. Roy Hamilton talks with Dr. Kenneth Langa, about the prevalence of dementia and mild cognitive impairment in the US. Read the full article in JAMA Neurology. This episode is brought to you by Mass General Brigham Department of Neurology, please visit us at www.massgeneralbrigham.org.

Get access to the Most Successful PMP Exam Prep Course.  Free trial Accelerator Join Trial – PM Master Prep   (NO credit card required) Let me help you!.  Just click this button and tell me your story!  Contact | PM Master Prep OR Email me directly at scott@pmmasterprep.com OR Call me directly 757-759-5282 www.pmmasterprep.com

Get access to the Most Successful PMP Exam Prep Course.  Free trial Accelerator Join Trial – PM Master Prep   (NO credit card required) Let me help you!.  Just click this button and tell me your story!  Contact | PM Master Prep OR Email me directly at scott@pmmasterprep.com OR Call me directly 757-759-5282 www.pmmasterprep.com

From Sunny California, we sit down with Kevin Capps from KC Customs. K.C. Customs, is a quality custom builder focused on building and remodeling high end residential homes. Kevin founded the company in 2000 and as the owner of K.C.Customs, Kevin has put in place over $30,000,000 of installed construction in the Bay Area, including residential and commercial projects. Kevin oversees the Project Development/ Pre-construction phase, Estimating, and Financial Management functions of the business. Listen to Kevin's story now!

Nick Slavik shares his Estimating SOP. In this episode of Ask a Pinter, Nick Slavik is back with yet another Mastering the basics - Estimating show. The appropriate pricing estimate will allow you to differentiate yourself from other painting firms by presenting your services to clients in a competitive and expert manner. However, you may never feel 100% comfortable with price/estimating. It's important to offer more value, not just price. To understand more in-depth how to get started effectively, Nick Slavik shares PCA Cost & Estimating Guide – Vol. I: Practices & Procedures https://pca.so/pcacostandestimationguide Watch the full episode to learn more! The PCA Business Accelerator! The easiest way to professionalize your business: a cohort of your peers, a learning management system, and subject matter experts from our industry. To sign up: https://www.pcapainted.org/business-training/ See me and hundreds of other Master Craftspeople and Trades Business Entrepreneurs at the PCA Expo: https://www.pcapainted.org/expo/ Watch the episode on PCA Overdrive PCA Overdrive is free for members. Not a member? Try our 7-day, free trial; $5.99/mo after. Download the app on the Apple Store or Google Play. Become a PCA member

Get ready with us as we prepare for our 200th episode! For our anniversary we will be answering listeners' questions. Send your questions to twoewes@twoewesfiberadventures.com or use the Ravelry thread, or DM 1hundredprojects or betterinmotion on instagram. Full notes with photos and links can be found in the podcast section of our shop website: TwoEwesFiberAdventures.com Join the community on Ravelry or become a patron and support the show on our Patreon Page. Subscribe on Apple Podcasts or Subscribe on Android or Subscribe on Google Podcasts Marsha's Projects:  January Blanket: Handspun Manx Loaghton, 3-ply aran weight, 1,460 yards. Decided to add one additional 15 stitch repeat so I cast on 192 stitches. I went up a need size to #9 and have knit about 34 inches. Estimating it is going to be about 4' x 5” Noromania: Bought 18 skeins of Noro Kureyon (Aran weight) to make a blanket for Mark. Swatched with #8 and #9.  Falkland/Silk/Merino: about 800 yards fingering EEW 6.0 Electric spinning wheel from Dreaming Robots. Spinning some Polwarth roving. Kelly's Projects: Continuing to work on the Coloresque Wrap Erin Kurup using the Neighborhood Fiber Company rustic fingering gradient set Shades of Turquoise.  Finished weaving on the Monk's Belt Weaving project. I got 7 towels and enjoyed the process. It isn't my favorite weave structure, but I like the results better than I thought I would. Still need to cut them apart and hem them.  Current piano songs: Happy Birthday (deadline coming soon!), Take Me Out to the Ballgame, and Star Spangled Banner for Baseball spring training. Episode 200 Q and A: To celebrate 200 episodes and over eight years of podcasting, we'll answer your questions. Ask us about yarn, our lives, the meaning of life, Fibonacci, poodle grooming, or whatever… We'll do our best! Send your questions to twoewes@twoewesfiberadventures.com or use the Ravelry thread, or DM 1hundredprojects or betterinmotion on instagram.  Patreon Pattern Giveaway  A hearty, year-end thank you to our patrons! Your support has made our show better and our prizes more numerous. Message Kelly with the pattern of your choice ($10 or less). Thank you for your generosity. You've helped to build this community! Stitches West March 2-5 in Sacramento  Winter Weave Along October 1 - March 31

Brian chats with this week's PDR students and explains how to price to the customer- not simply accepting all customers as the same. PDR estimating software prices all cars and customers with the same #'s while there should be adjustments based on factors. Come ride along as Brian breaks it down. https://superiorautoinstitute.com  

Join us as we introduce Ricardo and Navin as they talk about PDR pricing and learn how to adjust accordingly.   #pdrbusiness #pdrmarketing https://superiorautoinstitute.com

James Fitch is the Vice President of Engineering at Nu-Way Industries, Inc., a leader in designing and fabricating precision metal products serving many industries worldwide. With a manufacturing career spanning five decades, James oversees Estimating, the Product Development Group, the Manufacturing Engineering Group, and the Prototype Shop from Nu-Way's headquarters in Des Plaines, Illinois.  In this episode Jay and Jim sit down to dive deeper into his article "Six Tips for Facilitating Digital Transformation in Manufacturing" published in Paperless Parts Blog: In the Shop. Here we get a chance to riff and go deep on what is truly a passionate subject for Jim and one that he's thought about over his decades in manufacturing.

Welcome to a wild Wednesday as a full ground stop of all flights in the US is upon us. We also answer the question of how many EV chargers to we really need by 2030, as well as a few quick hit updates across the wild world of electrification. All US Flights were grounded this morning as the FAA ordered all fights to be stopped due to a  failure of the NOTAM system which alerts pilots and crew to safety advisories and other information for flightsOver 21k flights and 2.9M seatsUS says there is no evidence of a cyberattackHow many EV chargers will it take to keep things rolling in the year 2030? That's the question a new report from S&P Global Mobility tries to answer.There are currently about 160k chargers: 17k Tesla Superchargers, 126k Level 2, 10k level 31.9m EVs on the road and 2022 EV sales accounted for 5.4%Estimating a 40% adoption by 2030 the US will need to quadruple the number of chargers by 2025 and more than 8x by 2030, this takes home charging into account1.2 million Level 2 chargers and 109,000 Level 3 chargers by 2027BY 2030 28.3 million EVs on US roads, around 2.13 million Level 2 and 172,000 Level 3 public chargers will be required, in addition to home EV chargersWhile were talking about EVs, here is a quick overview of the wild world of electrificationAccording to a WSJ exclusive, several more Rivian top executives have recently left the company including its vice president overseeing body engineering, Randy Frank who came over from Ford, and its head of supply chain, Steve Gawronski. Both were longer tenured execsLate last year,  Patrick Hunt, a senior director in the strategy team, left the company. He had been with them since 2015Tesla has filed to begin a $775M expansion at its new Austin Gigafactory which cost $5.5B to build. including a cell test lab and a unit named "Cathode", according to the company's filings on the Texas state department of licensing's websiteThe company will host their ‘investor day' at the TX site on March 1 Get 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 Share your positive dealer stories: https://www.asotu.com/positivity ASOTU Instagram: https://www.instagram.com/automotivestateoftheunion

The last 50 years in world history have led to influential inventions, and yet still the top four inventions are the wheel, the nail, the compass, and Gutenberg's printing press. Dutch Philosopher Erasmus of Rotterdam lived in chronological proximity to the printing press and was able to expand the influence of his writing.  Books were a non-negotiable for Erasmus, saying, “When I have a little money, I buy books; and if I have any left, I buy food and clothes.” Indeed Erasmus was reported to have little money and so fought through hunger pains for the pleasure of reading.  Attributed to Mark Twain is a saying that should serve as an accountability nudge to leaders, “The (person) who does not read good books has no advantage over the (person) who can't read them.” Here are three books I have read that I would challenge you to consider reading in 2023 in order to grow in fortitude.   Unreasonable Hospitality: The Remarkable Power of Giving People More Than They Expect, Will Guidara A friend and client Chris Kornman (Entablature Construction and Entablature Realty, New Orleans, La) recommended this book.  Reading during a trip with my family I left a trail of dog-eared and underlined pages of thoughts and ideas.   Guidara walks through how he and a team took the famed Eleven Madison Park restaurant from a nice New York City establishment and transformed it into the number one restaurant in the world according to The World's 50 Best Restaurants, along with four stars from the New York Times, and a coveted three Michelin stars.   Guidara caps a simple thesis of the book with this statement, “whatever you choose to do, be in the hospitality business.” The ultimate quote for busy business owners jumps off of page 116, “you don't want to have 100 keys; you win when you end up with only one - the key to the front door.” From Strength To Strength: Finding Success, Happiness, and Deep Purpose In The Second Half of Life, Arthur C. Brooks If you are in your mid to late thirties or above it is time to begin reading this book.  In 1995, Bob Buford published a book entitled Halftime: Moving From Success To Significance.  It was good and helpful.  Arthur Brooks' manifesto is deep and meaningful.   Brooks confronts what he describes as the “striver's curse…a hidden source of anguish that wasn't just widespread but nearly universal among people who have done well in their careers.”  Many successful business owners and key leaders build up capabilities and then feverishly work to avoid a decline in their capabilities.   Brooks delivers a needed blow, a thoughtful alarm, in order to wake up the leader who is heading off into their second half of life, “Here is the reality: in practically every high-skill profession, decline sets in sometime between one's late thirties and early fifties.  Sorry, I know that stings.” This book invites you to prepare for a “second curve” and a reminder that “what got you to this point won't work to get you into the future - that you need to build some new strengths and skills.”   Brooks then devotes the rest of the book to uncovering those strengths and their rootedness in wisdom, and how those strengths will be diminished in the face of workaholism that keep you tied to the fleetingness of worldly rewards (that rust and evaporate), and your fear of decline.   From Strength to Strength is an important shot of interpersonal cold water with the complimentary encouragement of a loving grandfather. A New Kind Of Diversity: Making the Different Generations on Your Team a Competitive Advantage, Dr. Tim Elmore We have culturally assumed diversity as a cross-section of race and skin color and less about the generational differences that illuminate the modern workplace. Elmore writes, “Millennials and Generation Z will make up 70 percent of the workforce by 2025.  We'd better get to know them.” The older generations say things like, “nobody wants to work anymore” and “the younger generation has a bad work ethic.”  Elmore brings a teaspoon of humility reminding us “we're the ones who gave birth to them and raised them.  If they (truly) were unready for the workforce, we must look in the mirror.” Owners and leaders can moan, complain, and gripe about the new workforce, or we can embrace A New Kind of Diversity.    Elmore's books are loaded with heaps of helpful and digestible research that he skillfully then summarizes into implementable takeaways. A couple of weeks ago I heard of a new 23-year-old Director of Marketing at a large company.  That same company has a 64-year-old Director of Estimating.  That is an unprecedented span of four generations working together on one team. It will be imperative that we all put in the work to understand generational tendencies, realities, nuances, and grow multi-lingual in speaking to others the way they wish to be spoken to as we all push towards a unified end. Elmore recommends not just diversity training…but unity training. Of the books mentioned above, Business On Purpose receives no compensation or recommendation. Books are always a worthy investment of your time, attention, and leadership. Test Prep Insight reported that 48.5% of adults did not read a book in 2022…let's change that and all become book nerds in 2023! Part of our work at Business On Purpose is working with business owners and key leaders to hold them accountable to the things that will help liberate you from chaos so you can make time for the things that matter…like reading. Go to mybusinessonpurpose.com/healthy to get a free assessment on the health of your business to get started.  

On this week's episode, we'll be chatting about “The State of Retirement Income” study that Christine and I recently co-authored with our colleague John Rekenthaler, who joins us for this conversation. This is the second year we've conducted this study, which examines how much retirees can safely withdraw in retirement. Much has changed since last year as the stock and bond markets have sold off and inflation has risen sharply. This can create uncertainty about whether retirement assets will sustain spending over a multidecade horizon, an issue we explore in this study. In this episode, I'll be asking Christine and John about “The State of Retirement Income” study and key takeaways. For reference, you can find a link to the study in the show notes to this episode.Safe Withdrawal Rates“Determining Withdrawal Rates Using Historical Data,” by William Bengen, Journal of Financial Planning, October 1994.“The State of Retirement Income,” by Christine Benz, Jeff Ptak, and John Rekenthaler, Morningstar.com, 2022.“What's a Safe Withdrawal Rate Today?” by Christine Benz and John Rekenthaler, Morningstar.com, Dec. 13, 2022.“How Much Do You Know When It Comes to Preparing for Retirement? Fidelity's Retirement IQ Survey Uncovers Significant Knowledge Gaps,” Fidelity.com, March 6, 2017.“Bill Bengen: Revisiting Safe Withdrawal Rates,” The Long View podcast, Morningstar.com, Dec. 14, 2021.“Jonathan Guyton: What the Crisis Means for Retirement Planning,” The Long View podcast, Morningstar.com, June 16, 2020.“What's a Safe Retirement Spending Rate for the Decades Ahead?” by Christine Benz and John Rekenthaler, Morningstar.com, Nov. 11, 2021.Inflation“How to Build a TIPS Ladder,” by John Rekenthaler, Morningstar.com, Dec. 8, 2022.“Is It Too Late to Inflation-Proof Your Portfolio?” Christine Benz and Susan Dziubinski, Morningstar.com, Nov. 14, 2022.The Retirement Spending Smile“What Is the ‘Retirement Spending Smile'?” by Wade Pfau, retirementresearcher.com.“Estimating the True Cost of Retirement,” by David Blanchett, Morningstar.com, Nov. 5, 2013.The Required Minimum Distribution Approach“Decision Rules and Maximum Initial Withdrawal Rates,” by Jonathan Guyton and William Klinger, Journal of Financial Planning, March 1, 2006.“Yes, RMDs Can Improve Your Portfolio,” by Christine Benz, Morningstar.com, May 3, 2022.“ABCs of RMDs,” by Christine Benz, Morningstar.com, June 15, 2022.Sequence of Return“Sequence Risk During Retirement,” by John Rekenthaler, Morningstar.com, Aug. 25, 2022.“Don't Panic on Sequence of Returns,” by Amy Arnott, Morningstar.com, May 16, 2022.“How Worried Should New Retirees Be About Market Losses and High Inflation?” by Jeff Ptak and Christine Benz, Morningstar.com, Dec. 15, 2022.

In this episode:00:47 Estimating pandemic-associated mortalityThis week, a team of researchers working with the World Health Organization have used statistical modelling to estimate the number of excess deaths associated with the COVID-19 pandemic in 2020 and 2021. The work estimates that there were almost 15 million deaths either directly or indirectly attributed to the pandemic, almost three times higher than the official toll.Research article: Msemburi et al.News and Views: Global estimates of excess deaths from COVID-19Editorial: Missing data mean we'll probably never know how many people died of COVID08:35 Research HighlightsWhy dinosaurs' tail clubs may actually have been used to battle rivals, and the ancient images that make up the earliest known narrative scene.Research Highlight: Dinosaurs bashed each other with built-in tail clubsResearch Highlight: Prehistoric carvings are oldest known story sequence10:55 Understanding the lack of diversity in UK academiaStark figures show that the representation of scientists from minority ethnic groups dwindles at each stage of UK academia. To get a sense of the issue and what can be done to tackle it, we spoke to Mahrukh Shameem, a PhD student and an advocate for equity, diversity and inclusion.News Feature: How UK science is failing Black researchers — in nine stark charts19:43 Briefing ChatWe discuss some highlights from the Nature Briefing. This time, how the text-generating AI OpenGPT could spell the end for student essays, and what the successful test of NASA's Orion capsule means for the Artemis programme.Nature News: AI bot ChatGPT writes smart essays — should professors worry?Nature News: NASA's Orion Moon capsule splashes down! Here's what's nextSubscribe to Nature Briefing, an unmissable daily round-up of science news, opinion and analysis free in your inbox every weekday. Hosted on Acast. See acast.com/privacy for more information.

#91: Hedge fund manager and author, Bill Perkins, joins Chris to talk about what it actually means to die with zero. They discuss why you should focus on net fulfillment in each stage of life, what types of experiences to prioritize, banking memory dividends, questions to ask yourself in order to make the best choices about spending your money, solving for maximum fulfillment, and so much more.Bill Perkins (@billperkins) is a successful hedge fund manager and energy trader whose mission is to guide people to focus on living their richest lives now. His book is Die with Zero: Getting All You Can from Your Money and Your Life.Full show notes at: https://allthehacks.com/die-with-zero-bill-perkins Partner Deals Inside Tracker: 20% off personalized wellness & nutrition plans backed by scienceMasterClass: Learn from the world's best and buy one get one freeDaffy: Learn more about charitable tax savings with a special offerVuori: 20% off the most comfortable performance apparel I've ever worn Selected Links From The EpisodeAll the Hacks is a Signal Awards finalist: Vote NowConnect with Bill Perkins: Instagram | Website | TwitterDie With Zero: Getting All You Can from Your Money and Your LifeWealthfront Financial Utopia NumberCalculate your biological age: Inside TrackerFull-body MRI Scan: PrenuvoYour Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial IndependenceAll the Hacks NewsletterHacking Healthcare: Saving Money and Pushing BackAll the Hacks Podcast#40: The Power of Regret, Motivation and Good Timing with Daniel PinkBill Perkins' Saint Barthélemy RecommendationsBeaches: Flamands Beach | Grand Cul de Sac Beach | Gouverneur Beach | Saline Beach | Shell BeachHotels: Eden Rock | Le Barthélemy Hotel & SpaResturants: Nikki Beach | Shellona | Tamarin St. BarthGustavia Shopping Full Show NotesIntroduction to Bill Perkins (00:00)Who is the target audience of Bill's book? (01:36)Defining net fulfillment (02:43)Common misconceptions people have about retirement and spending (03:25)The declining utility of money (05:23)Anti-bucket list: bucketing things vs a bucket list  (09:28)What are you saving for? (Memory dividend) (11:59)Remembering your bucketing experiences (18:38)Start investing in your experiences now (20:11)How far in advance should you bucket your experiences? (23:38)Advice for people in their 20s and 30s on what experiences to prioritize (26:12)  Chris' backpacking trip (27:23)How to avoid getting caught in the hamster wheel (28:21)Principles of living an optimized life and the five whys (33:14)Bill's advice to people who are contemplating a career upgrade (35:09)Solutions for people who are concerned about not having enough money later in life (38:55)Attach your efforts to your goals (39:54)Letting go of fear associated with failure (42:07)Reframing your mindset and minimizing future regrets (44:08)Do the bold thing  (45:48)Determining the value of your time and fulfillment (46:55)Should you spend more money? Less money? Figuring out the straight line to the grave of spending down your money (50:02)Estimating how much money you need, and when you can stop saving (54:46)Doing it now benefits you later (60:31)The Coke/Pepsi taste testing experiment (1:00:52)Deconstructing what you love about your job, and being mindful about habituating yourself and defaulting to autopilot mode (1:41:07)Fire Movement (1:07:07)Building a model spreadsheet for net fulfillment and the downside of front-loading retirement (1:12:09)Getting past your habits and ego in exchange for more choices and opportunities (1:16:25)Habitually reviewing and readjusting your net worth goal (1:18:52)Solving for maximum fulfillment (1:22:20)Experiencing fulfilling opportunities and extending quantity and quality of life by practicing healthier habits (1:27:01)Thwarting many diseases and ailments through diagnostics (1:30:39)Bill Perkins' Saint Barthélemy recommendations (1:35:28)Where to find Bill Perkins online (1:38:23) PartnersInside Tracker InsideTracker provides a personalized plan to improve your metabolism, reduce stress, improve sleep, and optimize your health for the long haul. It's created by leading scientists in aging, genetics, and biometrics. They analyze your blood, DNA, and fitness tracking data to identify where you're optimized—and where you're not. With InsideTracker you'll get a daily Action Plan with personalized guidance on the right exercise, nutrition, and supplementation for your body.For a limited time, you can get 20% off at allthehacks.com/insidetracker Masterclass With MasterClass, you can learn from the world's best minds - anytime, anywhere, and at your own pace. With over 100 classes from a range of world-class instructors like Steph Curry, Richard Branson and Martin Scorsese, that thing you've always wanted to do is way closer than you think. When I signed up a few years ago, I jumped straight into an amazing cooking class by Thomas Keller that has totally leveled up my skills in the kitchen. I also really enjoyed FBI Hostage Negotiator, Chris Voss' class on the art of negotiation.With every class I've taken I'm blown away by the depth of knowledge the instructors have and the quality of the experience. I highly recommend you check it out. This holiday, give one annual membership and get one free at allthehacks.com/masterclass DaffyDaffy is a not-for-profit community built around a new modern way to give, and they are on a mission to help people be more generous, more often. We do all our giving through Daffy because they make it so easy to put money aside for any of the 1.5+ million nonprofits in the us. You can make a one-time contribution or you can set a little aside each week or month and all your contributions are tax deductible.To learn more about charitable tax savings and to make all your tax-deductible donations before year-end in one place go to allthehacks.com/daffy VuoriVuori is a new and fresh perspective on performance apparel. 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Since 2021, Democrats have controlled the House, the Senate and the presidency, and they've used that power to pass consequential legislation, from the American Rescue Plan to the Inflation Reduction Act. That state of affairs was exceptional: In the 50 years between 1970 and 2020, the U.S. House, Senate and presidency were only under unified party control for 14 years. Divided government has become the norm in American politics. And since Republicans won back the House in November, it is about to become the reality once again.But that doesn't mean policymaking is going to stop — far from it. As America's national politics have become more and more gridlocked in recent decades, many consequential policy decisions have been increasingly pushed down to the state level. The ability to receive a legal abortion or use recreational marijuana; how easy it is to join a union, purchase a firearm or vote in elections; the tax rates we pay and the kind of health insurance we have access to: These decisions are being determined at the state level to an extent not seen since before the civil rights revolution of the mid-twentieth century.Jake Grumbach is a political scientist at the University of Washington and the author of the book “Laboratories Against Democracy: How National Parties Transformed State Politics.” In it, Grumbach tracks this shift in policymaking to the states and explores its implications for American politics. Our national mythologies present state government as less polarizing, more accountable to voters and a hedge against anti-democratic forces amassing too much power. But, as Grumbach shows, in an era of national political media, parties and identities, the truth is a lot more complicated.So this conversation is a guide to the level of government that we tend to pay the least attention to, even as it shapes our lives more than any other.Mentioned:Dynamic Democracy by Devin Caughey and Christopher Warshaw“Does money have a conservative bias? Estimating the causal impact of Citizens United on state legislative preferences” by Anna Harvey and Taylor MattiaState Capture by Alex Hertel-Fernandez“From the Bargaining Table to the Ballot Box” by James Feigenbaum, Alexander Hertel-Fernandez and Vanessa WilliamsonPaths Out of Dixie by Robert Mickey“Old Money: Campaign Finance and Gerontocracy in the United States” by Adam Bonica and Jake GrumbachBook Recommendations:Fragmented Democracy by Jamila MichenerPrivate Government by Elizabeth AndersonDilla Time by Dan CharnasThoughts? Email us at ezrakleinshow@nytimes.com. (And if you're reaching out to recommend a guest, please write  “Guest Suggestion” in the subject line.)You can find transcripts (posted midday) and more episodes of “The Ezra Klein Show” at nytimes.com/ezra-klein-podcast, and you can find Ezra on Twitter @ezraklein. Book recommendations from all our guests are listed at https://www.nytimes.com/article/ezra-klein-show-book-recs.“The Ezra Klein Show” is produced by Emefa Agawu, Annie Galvin, Jeff Geld, Rogé Karma and Kristin Lin. Fact-checking by Michelle Harris and Kate Sinclair. Original music by Isaac Jones. Mixing by Jeff Geld. Audience strategy by Shannon Busta.