Podcasts about Expense

Tourism development in West Sumatra turned out to be carried out without considering the ecological or environmental side. - Pengembangan pariwisata di Sumatera Barat ternyata dilakukan tanpa mempertimbangkan sisi ekologi atau lingkungan.

Lee Cockerell was Disney World's Executive Vice President of Operations for over a decade There he oversaw the daily operations and guest experience for all of its theme parks, hotels, and properties. He is often brought in to an organization looking to improve its customer service. He famously once told a potential client, "If you think of this as an expense and not an investment, don't use me." In the episode, we reframe the process of recovery as an investment, not an expense. Get the full show notes here: https://recoveredman.com/356   PLUS: Whenever you're ready... here are 4 ways I can help you in your recovery:   Porn Free This Year (Free video course) http://recoveredman.com/thisyear   Buy the book, Porn Free by Matt Dobschuetz http://pornfreebook.com Join a REV Group http://recoveredman.com/rev   1-on-1 Coaching with Matt Dobschuetz https://recoveredman.com/coaching

Dentist, optician, teeth, glasses... Stone the crows! Expense! Local councils might be selling off allotment for developers to build houses. Sacrilege! I hope you're keeping well. Let's have a good old moan!

On this episode of Fox Across America, Jimmy Failla gives his take on Massachusetts Senator Elizabeth Warren proudly endorsing Zohran Mamdani and his socialist policy proposals while appearing alongside the mayoral candidate at an event in New York City. Fox News Political Analyst Gianno Caldwell shares his thoughts on your radio buddy's suggestion that Bud Light should hire Sydney Sweeney to save face following the beer company's disastrous partnership with transgender influencer Dylan Mulvaney in 2023. PLUS, host of Outkick's “Tomi Lahren Is Fearless” Tomi Lahren sheds light on the Democratic Party's worsening problems with voters. [00:00:00] Sen. Warren touts Mamdani's socialist policies [00:37:50] How Bud Light can right the wrongs of the Mulvaney disaster [00:56:55] Gianno Caldwell [01:15:40] DOJ starting grand jury probe into the Russiagate hoax [01:34:10] Tomi Lahren Learn more about your ad choices. Visit podcastchoices.com/adchoices

Have you ever faced an upcoming surgery—not just anxious about the procedure itself, but also wondering how you'll cover the cost?Imagine if someone stepped in to guide you through the process, coordinating the details and helping you navigate the expenses. Good news: that kind of support is available, and Lauren Gajdek is here to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. A New Offering: The Complete Surgical Care SolutionAs the nation's longest-serving faith-based health cost-sharing ministry, CHM has helped Christian families with over $12 billion in medical bills over the past 40 years. CHM operates as a biblically based nonprofit organization, offering believers a unique way to meet healthcare needs—through the power of community, compassion, and cost-sharing.At no additional cost to members, CHM has launched a groundbreaking program called the Complete Surgical Care Solution (CSCS). This service guides members through the entire process of having surgery or a medical procedure—from finding the right surgeon to managing paperwork and bills.It's a “curated experience” designed to walk alongside members during a challenging time. It's personalized, turnkey, and stress-free—requiring nothing more than active CHM membership.A Real-Life Story: Chloe's Journey to HealingChloe is a teenage softball player who struggled with recurring hip and leg pain. When surgery was recommended, her family turned to CHM and its surgical solution program.Through CHM's help, Chloe was connected with a top-quality surgeon for a hip replacement. The ministry even covered some of the family's travel expenses. Ultimately, CHM covered more than $145,000 in eligible medical bills. Plus, Chloe's family received a $1,250 credit toward their out-of-pocket costs.The family described the entire experience as feeling like they were “surrounded by family.” That's the kind of ministry CHM strives to be.How to QualifyThe process is simple. Members need:A diagnosis from a healthcare providerA recommendation for surgeryIf the procedure qualifies, members can reach out directly to CHM—and from there, the ministry handles the rest.Whether you're facing a surgery or seeking a faith-based alternative to traditional insurance, CHM offers compassionate, biblically grounded support every step of the way.Visit CHMinistries.org/FaithFi to explore CHM's offerings and see how this ministry can walk with you through life's medical challenges.On Today's Program, Rob Answers Listener Questions:I'm in danger of losing my home. The mortgage company offered me a forbearance and a loan modification, but I still can't afford the payments. Now they're telling me to wait for a denial and reapply, but I'm concerned they might be pushing toward foreclosure since there's a lot of equity in the home. What are my options?I'm the executor of my parents' estate, which was settled about three years ago. How long do I need to keep the estate's tax returns and supporting documents?My daughter and her husband want to buy a house, but their credit has been affected due to some late car payments. They've asked me to cosign the mortgage. I love them and want to support them, but I'm not sure if cosigning is the right move. What should I consider?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)CHM's Complete Surgical Care Solution (CSCS)HUD.gov (U.S. Department of Housing and Urban Development)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich 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.

In this episode, Alex wraps up his powerful 4-part training series by tackling a topic most agents avoid—budgeting and expenses. He breaks down what it really means to run your real estate career like a business. From marketing and CRM systems to coaching and assistants, Alex shares how smart, intentional investments have helped him cut work hours in half while growing his brand. If you're ready to shift from hustle to strategy, this episode delivers the roadmap.

Are you ready to learn how to get out of debt while cutting expenses without hating your life? In this episode of the Get Out of Debt Guy Show, I'm joined by Damon Day to unpack simple, sustainable debt advice that makes saving money feel manageable. We explore realistic spending habits that can sabotage your financial goals—like trying to impress others—while providing smarter choices such as buying a used car at the right depreciation point and understanding how technology is transforming car ownership. Additionally, we delve into how leasing can actually make sense, how small thermostat tweaks can lead to significant savings, and how to stop wasting money on things that don't contribute to your happiness. This episode is filled with real talk, effective strategies, and all the actionable advice you need to give your bank account a well-deserved breather without going full monk mode.This one's about real talk, real strategy, and giving your bank account a breather—without going full monk mode.For more resources, visit https://getoutofdebt.orgWant help figuring out your next best step? Reach Damon at https://damonday.com

Exhausted or Just Underpaid? How to Know When It's Time to Raise Your RatesIf opening your laptop fills you with dread, you're not alone—and you're not lazy. You might just be undercharging.In this episode, Shanté breaks down the very real difference between burnout and a broken business model. Because sometimes it's not your work ethic that's the issue—it's your pricing. And until you fix that, no productivity hack will save you.Whether you're maxed out on deliverables, stuck in client churn, or afraid you'll lose everyone the second you raise your rates, this episode walks you through the mindset, math, and systems to make a sustainable change.We'll cover:How to tell the difference between burnout and undercharging (and when it's both)Why easily booking clients might be a red flag—not a winThe real math behind rate increases—and why fewer clients at higher rates is the moveWhat systems you actually need to justify a premium priceBurnout isn't a rite of passage. It's a sign. And often, that sign is pointing toward pricing that doesn't support the business—or life—you want to build.If you're ready to stop running on fumes and actually build margin into your model, check out the Pricing & Packages Masterclass. It includes:The Profitable Pricing Calculator (so you know your exact rates)Expense checklists most creatives forgetPre-designed package menu templatesConfidence-building pricing scriptsIt's the toolkit to help you stop guessing—and start charging what you need to thrive.Mentioned in this episode:The Back OfficeYour free resource hub with 7 years of Shanté's best trainings, templates, and field notes organized by topic. Everything that's helped her clients and mentees build profitable social media businesses—now in one searchable place. Get instant access: https://community.sugarpunchmarketing.com/

Episode 4661: On The Verge Of AI Bank; Empowering Government At The Expense Of The Private Sector

Don and Tom dive into the new “big, beautiful” tax bill with humor and skepticism, covering changes to Social Security taxation, tips and overtime exemptions, expanded SALT deductions, and the controversial $1,000 baby bonus. They also tackle listener questions on Roth vs. IRA asset protection, portfolio rebalancing confusion, and lazy robo-advisory allocations. Bonus: helium speculation, trade school love, and a jab at politicians who pander. 0:04 Intro: “Dearly beloved…” it's tax time 1:10 Overview of the “Big Beautiful Bill” and $4T impact 1:25 Tips and OT tax exemptions starting in 2025 2:09 Social Security tax break: $6K per person if under income limits 3:28 Standard deduction and new child tax credits 4:13 $1,000 newborn savings account—free government money 5:17 SALT deduction expanded to $40K for four years 6:44 Property and sales tax deductions clarified 7:48 Guilt over tax breaks? Try a Roth gift for the grandkids 8:27 The “kid account” vs. 529 plans vs. UGMA 10:58 Trade school > AI: real jobs that can't be outsourced 12:42 Don rants on political pandering in the bill 13:47 Listener Q1: 401(k) rollover and asset protection in Washington 16:17 IRA protections state-by-state 16:52 Listener Q2: Does rebalancing mean switching investments? 18:34 Rebalancing means returning to plan, not chasing trends 20:04 Show plug: Owen Wilson's helium speculation on “Stick” 21:28 Listener Q3: Is this Vanguard robo-portfolio too lazy? 22:47 Why it's impossible to rebalance between Roth and IRA accounts 23:58 Listener Q4: What's really inside DFAW? Core 1 vs. Core 2 27:26 Core 2 = more small/value tilt; DFAW ≈ AVGE 28:26 Expense ratio difference between DFAW and AVGE is negligible Learn more about your ad choices. Visit megaphone.fm/adchoices

Lloyd Howell was expensing trips to strip clubs (and the ATM), and colluding the league, unbeknownst to the players

Can we fully know and understand what grace is and what grace brings us. I've heard it said grace is God's Redemption At Christ's Expense as well as, grace is God's unmerited favor. What does that mean? How do we explain what grace is? I'm not sure we can fully but we try our best in this podcast. Paul starts out chapter one with grace and he ends it with grace. There's a lot of things sandwiched in between that may help explain what grace is and does. One thing for sure, without God's grace, we wouldn't even be alive to listen to this podcast! Don't take grace for granted!

From the archive - This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Nate Meadows is the Head of Marketing for ClearSpend. He carefully crafts marketing campaigns, voice, and reputation with the ease of folding a burrito. Prior to Nate's career in marketing, he was in Weapon Systems Intelligence for the United States Air Force. Top 3 Value Bombs 1. If you have the right DNA, are passionate, and are driven, then you can be successful. 2. One of the biggest challenges a small business has is Cash Flow. 3. We have to find ways to automate the trivial things to make our lives easier. Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Wix - Ready to create your own website? Go to Wix.com to start building your website today. Public - Build a multi-asset portfolio of stocks, bonds, options, crypto, and more. Go to Public.com/fire to fund your account in five minutes or less. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA and SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. Alpha is an experimental AI tool powered by GPT-4. Its output may be inaccurate and is not investment advice. Public makes no guarantees about its accuracy or reliability - verify independently before use. Rate as of 6/24/25. APY is variable and subject to change. Terms and Conditions apply.

The Transport Minister insists he won't allow Dublin Airport to grow at the expense of Shannon. The Dublin facility recorded its busiest ever June last month with a total of 3.5 million passengers passing through its gates. Shannon meanwhile has seen a 7% increase in passenger numbers from January to June compared to the same period in 2024. Speaking in the Seanad, Minister for Transport Darragh O'Brien says while Dublin requires considerable investment to accommodate rising numbers, Shannon won't be left behind.

Send us a textIn this episode of the Private Practice Survival Guide, we discuss the key performance indicators (KPIs) that private practice owners should track when evaluating Total People Expense (TPE). We explain how to analyze fixed vs. variable costs, calculate expense-to-revenue ratios, and measure employee productivity to ensure your staffing costs align with overall business goals. The episode also explores how to use KPIs to identify inefficiencies, optimize workforce allocation, and improve profitability. By consistently tracking these metrics, you can make smarter staffing decisions that support long-term financial stability. Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide Book

A story about choosing overlooked markets—and winning by design.For SaaS founders who feel stuck chasing trendy markets—and anyone wondering if there's more money in solving unglamorous problems than building the next shiny thing.Most SaaS companies chase crowded markets because they seem exciting.They fail because they're fighting for scraps in oversaturated categories.Marne Martin, CEO of Emburse, took a different path.After 30 years in software, she chose the "unsexy" expense management space when everyone else was chasing AI startups and flashy consumer apps.At Emburse, she's helping finance teams to elevate their work by applying the focus and discipline of elite athletes to modernize spend in their organizations.And this inspired me to invite Marne to my podcast. We explore how treating your company like an elite athlete creates sustainable competitive advantage. Marne shares insights about choosing markets others avoid, building profitable unit economics in private equity environments, and applying AI where it actually drives revenue. You'll discover her simple filter that eliminated wasted innovation.We also zoom in on two of the 10 traits that define remarkable software companies: – They master the art of curiosity – They offer something valuable and desirableMarne's story is proof that traction often starts by doing what most others avoid.Here's one of Marne's quotes that captures her investment philosophy:"There are a lot of cool things that I wouldn't be willing to pay for, right? So you have to make sure you're not just doing things because you're cool or you're curious, but because there's a market for that."By listening to this episode, you'll learn:Why choosing "boring" markets eliminates competitionWhat elite athlete principles mean for SaaS companiesWhen AI investments actually drive profitable growthWhy unit economics matter more than cool featuresFor more information about the guest from this week:Guest: Marne Martin, CEO of EmburseWebsite: https://www.emburse.com/

BREAKING NEWS! Transfer guru Fabrizio Romano has confirmed that Olympique Lyon have won their appeal against relegation, securing their place in Ligue 1 for the 2025/26 season! In this electrifying live episode of Forest Fan TV, Wolfie dissects the massive implications of this decision for Nottingham Forest's European hopes, as the Reds were in line for a potential Europa League spot if Lyon's relegation had been upheld. With Crystal Palace's Europa League status now likely secured due to Lyon's survival, Wolfie explores how this affects Forest's ambitions in the Europa Conference League and whether Nuno Espirito Santo's squad can still make waves in Europe. Jump into the live chat and share your thoughts—how does Lyon's Ligue 1 lifeline change Forest's season outlook? Wolfie dives into the ripple effects of Lyon's successful appeal, discussing how it could influence Forest's transfer strategy, including their pursuit of Lyon's star winger Malick Fofana, who was linked with a £60m move to the City Ground. With Lyon no longer facing a fire sale, will Forest still push for Fofana or pivot to other targets like PSV's Johan Bakayoko to bolster their attack after Anthony Elanga's £55m-£60m exit to Newcastle? Join the live conversation to debate what this means for Evangelos Marinakis' vision and Forest's squad depth as pre-season training begins. Don't miss out—get in the chat, let us know your reactions to this game-changing news, and hit like, subscribe, and the notification bell for all the latest Forest Fan TV updates! #nffc #lyon #nottinghamforest Learn more about your ad choices. Visit podcastchoices.com/adchoices

$40,000 in Only Fans subscriptions seems like something your work should cover right?

Send us a textIn this episode of the Private Practice Survival Guide, we discuss how to calculate and manage your Total People Expense (TPE) to ensure your private practice remains financially healthy and operationally efficient. We break down all the components that make up TPE—including wages, benefits, taxes, software costs, and compliance-related expenses—and how these costs directly impact your revenue. The episode also highlights best practices for keeping your TPE within a healthy percentage of gross revenue while still offering competitive compensation and benefits. Understanding TPE is essential for making informed hiring decisions and optimizing profitability. Welcome to Private Practice Survival Guide Podcast hosted by Brandon Seigel! Brandon Seigel, President of Wellness Works Management Partners, is an internationally known private practice consultant with over fifteen years of executive leadership experience. Seigel's book "The Private Practice Survival Guide" takes private practice entrepreneurs on a journey to unlocking key strategies for surviving―and thriving―in today's business environment. Now Brandon Seigel goes beyond the book and brings the same great tips, tricks, and anecdotes to improve your private practice in this companion podcast. Get In Touch With MePodcast Website: https://www.privatepracticesurvivalguide.com/LinkedIn: https://www.linkedin.com/in/brandonseigel/Instagram: https://www.instagram.com/brandonseigel/https://wellnessworksmedicalbilling.com/Private Practice Survival Guide Book

In a world spiraling into darkness, one man stood out—not by strength or status, but because he found grace in the eyes of God.

And the Browns get everything they asked for Learn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom tear into the lunacy of financial predictions—starting with famed doomsayer Nouriel Roubini suddenly turning optimistic (is that a good sign or a terrifying one?). Then it's onto Ron Baron and his wildly volatile, high-fee Barron Partners Fund, which beat the QQQ—barely—by taking massive concentrated bets on Tesla and SpaceX. Finally, they answer listener questions about portfolio diversification, international exposure, and outrageously overpriced 401(k) fund options (Nationwide, we're looking at you). It's a full-on roast of Wall Street's ego-driven nonsense with a side of smart, actionable advice. 0:04 Predicting markets is impossible—so why do people still listen to those who try? 1:50 Dr. Doom (Nouriel Roubini) turns into Mr. Boone—predicting good times ahead 3:35 Roubini blames AI and nuclear fusion for his new optimism 4:57 Don's rule: All predictions are a prehistoric brain trap 5:20 Ron Baron and his Partners Fund—poster child for active management hype 6:41 Nearly half the fund is in two holdings: Tesla and SpaceX 8:44 From $10K to $6.5K in 6 months: the cost of extreme concentration 9:47 Expense ratio: 2.25%—with $7.5B in assets? Outrageous 10:54 Why high-flyer funds are built to crash hard, too 11:39 Investing in Barron = trying to beat the market (and probably failing) 13:14 Lost 43% in 2022—twice the S&P's loss 13:48 But in 2020? Up 150%. Thanks, Tesla 14:51 Listener Q: Army major wants to clean up his Roth portfolio 16:10 Don and Tom: Scrap the mid-cap clutter—go global with VT 17:59 Listener Q: New job, horrible 401(k) fund choices—can he still contribute? 19:03 Nationwide's 93-basis-point index fund sparks full-on Don rant 20:14 High fees vs. tax breaks: what wins? 21:31 Why the financial industry is addicted to greed 22:11 Appella's no-pressure offer to review your portfolio 23:04 Don's publisher's clearinghouse FaceTime scam story Learn more about your ad choices. Visit megaphone.fm/adchoices

China says it firmly opposes any country making trade deals with the United States at its expense. It cautioned that if such a situation arises, the country will take countermeasures to safeguard its legitimate rights and interests.

Mary Jo lays out why premiums belong in your budget—not on the back burner. Protecting your future shouldn't be an afterthought. Audio Production by Podsworth Media - https://podsworth.com 

Employees with the National Science Foundation are being kicked out of their new building in Northern Virginia, and the future is uncertain for the agency. Michael Pope explains why.

In this week's podcast, Will Polston joins me for a brutally honest conversation about the darker side of success: identity loss, suicidal thoughts, burnout, and the mental crash that follows the big payday. But this isn't a doom-and-gloom session. We also cover the real antidote—how to rediscover purpose, reset expectations, and rewire your mindset so you can pursue ambitious goals without destroying yourself in the process.Here's what you'll take away:    -   How to bounce back after failure or losing everything (he's done it—twice)    -   The mindset framework that stops “success” from becoming your prison    -   Why entrepreneurs often struggle more after they exit—and what to do instead--------------------------------------------------------------------------------Check out the 3 Minute Business Audit & Valuation tool!Take this quiz to see how your business is performing:https://danbradbury.co.uk/audit/ It's designed to give you a fast, accurate snapshot of your business value and performance across six key areas, all by answering simple yes/no questions.Here's the quick rundown of what you get...1. Instant Valuation:Get a snapshot of your business's worth2. Performance Scores:See where you excel and where to improve in six business areas3. Deep Insights:Uncover key metrics about your business with the analytics dashboard4. Action Plan:Receive a personalized plan to level up your business based on your auditReady to get a clearer picture of your business in just three minutes?https://danbradbury.co.uk/audit/ ---------------------------------------------------------------------------------My Books...Turnover Is Vanity, Profit Is Sanity: 9 1/2 Steps to Improving Your Profits & Cashflowhttps://www.amazon.co.uk/Turnover-Vanity-Profit-Sanity-Improving/dp/1691215333/ Breeding Gazelles: Fast Growth Strategies For Your Businesshttps://www.amazon.co.uk/gp/product/B01F2R0MG2/ref=dbs_a_def_rwt_bibl_vppi_i0 

Today on Talkin' Shop — We're here to change the mindset—consumables aren't the problem. They're a part of the process. And when you account for them properly, they don't drain your profits—they drive them. Plug in, get comfortable, and join us for another episode. Don't forget to subscribe, drop a review, and join the CNC conversation online. Let's talk shop! Episode Chapters: (0:00) Intro  (0:23) Open Customer Questions / Comments:  (3:59) 1. Referring to the NEW Opt Laser project you did on the cutting board – How long did that take? (6:16) 2. It's a shame that ShopSabre would not use a pneumatic vacuum gate for the table.(7:49) 3. Why on a FiberSabre would I want to run gas instead of compressed air? Is that not going to raise my cost? (10:20) CNC Consumables: Expense or Engine of Profit  (29:54) Motivational Quote of the Week (30:34) Outro Follow us for daily CNC content on Facebook: https://www.facebook.com/shopsabre Instagram: https://www.instagram.com/shopsabre X/Twitter: https://x.com/ShopSabreCNC TikTok: https://www.tiktok.com/@shopsabre LinkedIn: https://www.linkedin.com/company/shopsabre-cnc/ 

[JUNE 16, 2025] The BCP Podcast. Episode 593

Send us a textMastering Financial Independence: Cutting Expenses for Early RetirementIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, offers high-income earners practical strategies to achieve financial freedom and retire early. He emphasizes the significance of prudent money management instead of just high earnings. Hunter identifies and advises on optimizing five key expenses: lifestyle creep, housing costs, dining out, unused subscriptions, and high-interest debt. The episode includes actionable tips like setting spending boundaries, conducting quarterly subscription audits, and implementing debt repayment strategies. Listeners are challenged to cut one expense category this week to improve their financial health.00:00 Welcome to The Retire Early Retire Now Podcast00:41 The Trap of Lifestyle Creep01:04 Five Key Expenses to Cut or Optimize02:23 Expense 1: Lifestyle Creep06:42 Expense 2: High Housing Costs11:41 Expense 3: Dining Out and Convenience Spending13:20 Expense 4: Unused Subscriptions and Memberships14:52 Expense 5: High Interest Debt17:36 Final Thoughts and Listener Challenge18:25 Closing Remarks and DisclaimersCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

In this episode of the Lone Star Capital podcast, Craig McGrouther and I sit down with Sam Morris to discuss the significant positive shifts happening in the multifamily market after three challenging years. We reveal how our property insurance costs just dropped 32% at renewal, potentially adding millions in property value and increasing investor distributions by nearly 1%. We share exciting success stories from our portfolio, including record-breaking collections at multiple properties and Preserve at Copperleaf achieving an incredible 234 paid-up units out of 238 possible. Our conversation also explores why deal flow remains challenging in 2025 despite these improving fundamentals, with San Antonio seeing only six transactions in Q1 with an average property vintage of 1972, highlighting the persistent bid-ask spread gap in the market.Apply to attend the LSC Summit 2025:www.lscsummit.com Download our FREE Passive Investor Guide:https://www.lscre.com/content/passive-investor-guide Subscribe to our newsletter and get the FREE Underwriting Toolkit:https://www.lscre.com/resource/fof-underwriting-toolkitLearn more about Lone Star Capital:www.lscre.comFollow me on LinkedIn:https://www.linkedin.com/in/rob-beardsleyRead my latest articles:https://www.lscre.com/blog

Have you ever felt that pressure of potential conflict with someone you love? They want or need something, and you do too, yet those wants and needs are in direct conflict with each other! How do we decide what to do in those types of situations? Suze and Jenni discuss their experiences with these scenarios, and how they navigate it, imparting listeners with some thoughts to help them navigate this!   Suze Gadol Anderson lives in Eugene, Oregon. She is a Licensed Clinical Social Worker, practicing in Texas and Oregon. Request a free consult to work with Suze at https://www.yourauthenticinsights.com.     Jenni Hubby is a Certified Professional Coach with a team of coaches in Texas, who works with people all across the United States. To schedule a free consult for coaching, visit https://www.jhubconsulting.com/.    Find previous episodes and more about Suze and Jenni at http://www.insightmaximizers.com. Contact Jenni and Suze at Maxers@InsightMaximizers.com   Join Insight Maximizers' Community: Facebook: https://www.facebook.com/InsightMaximizers Instagram: https://www.instagram.com/insightmaximizers/ LinkedIn: https://www.linkedin.com/company/insightmaximizers   The Maxers Community Facebook group continues to grow! Consider joining this private group for fellow insight seekers to give and receive insights. Join us in changing how we do events. We're shifting our focus from external things to preparing ourselves from within to handle whatever comes our way.   Join us at https://www.facebook.com/groups/524983982549427.  

How to write your weekends off as a business expense when you travel.

Don and Tom unpack Morningstar's latest “5 of the Best” investing methods, praising the simplicity of balanced and target-date funds but warning against high-fee versions. They emphasize that no portfolio fits everyone and push for low-cost index solutions. Listeners call in with 401k rollover questions and political discomfort around financial firms—sparking a candid, occasionally funny chat about ethics, emotions, and retirement realities. The episode wraps with a challenge to fix Social Security and a request for more five-star Apple Podcast reviews before Don dies on the mic. 1:07 Morningstar's ‘5 of the Best' investing methods reviewed 1:48 Balanced funds and target-date funds: pros and cautions 2:48 Three-fund and custom-fit portfolios discussed 4:08 Critique of Morningstar's recommended balanced funds 6:19 Expense ratios of target-date funds and better alternatives 7:17 Morningstar's risky allocation advice near retirement 9:17 Why one-size-fits-all portfolios don't work 10:14 Caller Sally: Should we move from T. Rowe Price 401k? 12:56 T. Rowe Price vs. Vanguard fee comparison 14:03 How to roll over a 401k into an IRA 17:39 Custom portfolios vs. simplicity and human behavior 21:42 Caller Lynn: Political discomfort with Schwab as custodian 26:26 Keeping an advisor despite ideological concerns 28:38 Raising the retirement age: Denmark vs. U.S. 32:48 Fixing Social Security: remove the wage cap 35:29 Listener reviews, crypto hate, and ETF conspiracy theories Learn more about your ad choices. Visit megaphone.fm/adchoices

We all want the best for our kids, but knowing what's truly best isn't always easy.You've probably heard it—or said it yourself: “I just want my kids to have what I didn't.” It sounds noble, but it can sometimes lead to financial trouble. Today, we'll talk with Dr. Art Rainer about how that mindset can push parents into debt.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.6 Things That Can Lead Loving Parents Into DebtRaising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt.Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them.1. Trying to Keep Up with the JonesesIt's a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else's standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means.2. Falling into the Social Media Comparison TrapSocial media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending.3. Believing Your Kids Need to Have It AllFrom travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don't believe the lie that your child will fall behind if they don't do everything. It's okay to say no, for the sake of your budget and your family's peace.4. Prioritizing Career Success Over Character DevelopmentThere's nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child's character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more.5. Overcompensating for What You Didn't HaveIf you lacked certain things growing up, it's natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn't always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.”6. Forgetting the Value of Doing WithoutNot getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don't rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes.Loving your children doesn't mean giving them everything. It means stewarding your finances in a way that honors God and serves your family's long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously.On Today's Program, Rob Answers Listener Questions:I called about our whole life insurance policy. We've paid for 10 years and only have 19,000 saved with a 150,000 death benefit. My husband provides most of our income.What is the best first credit card for my college-aged daughter?Can I work and collect my full Social Security, or is there a wage cap that I need to worry about? I am 66 years old.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Money SolutionsThe Institute for Christian Financial Health6 Things That Can Lead Loving Parents Into Debt by Dr. Art Rainer (FaithFi.com Article)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich 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.

Andy and Randy talk about Greg Sankey's comments at the SEC's Annual Meetings and how he's not the guy to lead College Football into the next era.

A full recap and look-back with takeaways, lessons learned (and a breakdown of expenses) of the amazing weekend that was…Web Designer Pro's first in person event conference WDP CON 2025!!Go to the full post with pictures, video embeds and more here:https://webdesignerpro.com/wdpcon2025Watch the highlight reel here:https://www.youtube.com/watch?v=vKg3eMUEA_E

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Yield-bearing stablecoins have had decent growth, now topping $6 billion in supply and paying out nearly $600 million to users, according to data from Stablewatch. But just as these products go mainstream, the U.S. Senate is moving forward with a stablecoin bill that could ban them outright in America. In this episode, NYU professor and Zero Knowledge Consulting founder Austin Campbell joins Laura to break down: Why yield-bearing stablecoins are under fire in Washington Why Dems are pushing for the ban and who stands to benefit How this bill could give foreign issuers an edge over U.S. ones Whether yield-bearing stablecoins are securities under U.S. law And what the future holds for projects like Ethena, Sky, and others Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Thank you to our sponsors! Bitkey: Use code UNCHAINED for 20% off Focal by FalconX Austin Campbell, NYU Stern professor and founder and managing partner of Zero Knowledge Consulting Unchained:  How the Senate Stablecoin Bill Enriches Corporations at the Expense of Consumers Stablecoin Bill Passes Key Hurdle: Dems Join GOP to Deliver a Crypto Win Tether in the Clear? Yes, Under This New Republican-Led Senate Stablecoin Bill Stablecoin Bill Stalls in Senate as GOP Cries Foul Over Dem Resistance Timestamps: 0:00 Introduction

Al & Jerry: Does Al have to pay for the show dinner and can he expense it?  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

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Ever feel like money is a never-ending game of not enough? Today, we're rewiring that thinking. Our special guest, Leisa Peterson—author of The Mindful Millionaire and now The Money Catalyst—joins us to talk about abundance, scarcity, and how to stop living life like you're budgeting for armageddon. (Hint: It's okay to order the nice wine now.) Joe Saul-Sehy and OG also shine a light on the resurgence of alternative investments. Is it innovation... or just Wall Street's way of sneaking in high fees through the back door? Plus, we roll into Doug's trivia, a TikTok Minute that flips the script on a certain “draft pick,” and, of course, a few stories that prove—yet again—that golf is no game for the frugal. “Am I YOLO-ing or just broke?” Why framing matters more than frugality From scarcity to satisfaction: How one moment in Paris changed Leisa's relationship with money You call that a tip? The surprisingly deep conversation behind street musicians, champagne, and generosity Alternative investments are back (again?) Why your advisor might pitch you on ditching the market... and why you should think twice Personal growth through fiction: Leisa's surprising journey from nonfiction burnout to a book that might just fix your wallet and your heart When the camel arrives with a skeleton on its back: Doug's trivia gets weird (and somehow financial) TikTok Minute: What happens when a 50-year-old thinks he just got drafted into the NFL OG's rule of thumb: Volatility isn't the villain—it's the entrance fee

Erick Fedde, a former 1st Round pick for the Nats in 2014, shutout his old club on Friday night in D.C in the Cardinals 10-0 victory. Mark & Al evaluate Fedde's masterpiece, where he only gave up six hits on 109 pitches. This is the second time Fedde dominated his original team as he did so last May in a seven inning effort for the White Sox. (12:05) While we are here, Patrick Corbin threw a good outing on Friday night for Texas. Corbin has a ERA of 3.13 for the Rangers this season and Mark tries to lend an explanation for the better numbers this season. (17:30) Mitchell Parker had a third consecutive poor start as only has lasted four innings. Parker had immediate trouble as he walked the first two St. Luis batters he faced and both came across to score that frame. (26:40) The relief pitching struggled again and after the game Lucas Sims was released. Sims only recorded two outs in the top of the 8th and issued four walks that led to three Cardinal runs. He leaves his brief time with the organization with a 13.86 ERA.

In times of trial and difficulty, Christians may be tempted to doubt God's love for them. Today, Derek Thomas shows how, in Christ, we see the extravagant love that the Lord bestows on His people, no matter the cost. Get Derek Thomas' teaching series Romans 8 on DVD, plus lifetime digital access to all 12 messages and the study guide, for your donation of any amount. We'll also send you his book How the Gospel Brings Us all the Way Home: https://gift.renewingyourmind.org/3980/donate   Live outside the U.S. and Canada? Request digital access to the Romans 8 teaching series and study guide, plus the ebook by Dr. Thomas, for a gift of any amount: https://www.renewingyourmind.org/global   Meet Today's Teacher:   Derek Thomas is a Ligonier Ministries teaching fellow and Chancellor's Professor of Systematic and Pastoral Theology at Reformed Theological Seminary.   Meet the Host:   Nathan W. Bingham is vice president of ministry engagement for Ligonier Ministries, executive producer and host of Renewing Your Mind, and host of the Ask Ligonier podcast. Renewing Your Mind is a donor-supported outreach of Ligonier Ministries. Explore all of our podcasts: https://www.ligonier.org/podcasts

My guest is Dr. Mark Hyman, M.D., a physician and world leader in the field of functional medicine. We discuss a systems-based framework for diagnosing and treating the root causes of disease, rather than simply managing symptoms. We also cover cutting-edge health and longevity tools such as peptides, NAD/NMN, exosomes, proactive blood testing and cancer screening, as well as nutrition, supplementation, detoxification, and strategies for addressing specific diseases and health challenges. This discussion will benefit anyone seeking to improve their vitality or combat specific health concerns. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Joovv: https://joovv.com/huberman Eight Sleep: https://eightsleep.com/huberman Function: https://functionhealth.com/huberman ROKA: https://roka.com/huberman Timestamps 00:00:00 Dr. Mark Hyman 00:01:48 Functional Medicine, Chronic Fatigue Syndrome, Mercury; Systems Medicine 00:08:51 Metabolic Psychiatry; Medicine, Creating Health vs Treating Disease 00:12:19 Sponsors: Joovv & Eight Sleep 00:15:06 Wholistic View of Body, Root Causes 00:19:48 Medicine & Research; “Exposome”, Impediments & Ingredients for Health, Whole Foods 00:26:30 Seed Oils, Starch & Sugar, Ultra-Processed Foods; Obesity Rise 00:36:27 Sponsors: Function & ROKA 00:40:05 Tool: Ingredients for Health, Personalization; Multimodal Approach 00:46:25 Essential Supplements, Omega-3s, Vitamin D3, Multivitamin, Iodine, Methylated B12 00:56:54 Supplements & Traditional Medicine; Limited Budget & Nutrition 01:02:54 Air, Tool: Air Filters; Tap Water Filter; Tool: Health, Expense & Whole Foods 01:09:03 Food Industrialization, Processed Foods 01:14:23 Sponsor: AG1 01:16:18 Declining American Health & Nutrition, Politics, MAHA 01:26:03 Toxins, Food Additives, Generally Recognized As Safe (GRAS) 01:29:25 SNAP Program & Soda, Food Industry & Lobbying 01:36:58 Big Food, Company Consolidation, Nutrition Labels 01:44:21 GLP-1 Agonists, Doses, Risks; Food as Medicine, Ketogenic Diet 01:51:29 Cancer, Diets & Alcohol 01:54:03 Blood Markers, ApoB, Cholesterol, Tool: Test Don't Guess, Individualization 02:02:54 Mercury; Tool: Detoxification, Sulforaphane, N-Acetylcysteine (NAC) 02:04:56 Endocrine Disrupting Chemicals, Fertility, Tool: Hormone Panels; Heavy Metals 02:11:36 Upregulate Detox Pathways, Gut Cleanse, Tools: Cilantro Juice, Fiber 02:17:08 Peptides, PT-141 (Vyleesi), BPC-157, Thymosin Alpha-1; Risks, Cycling 02:22:03 Cancer Screening, Data & Personalized Health; Alzheimer's Disease 02:30:45 Longevity Switches, NAD, NMN; Exosomes, Stem Cells 02:39:50 Zero-Cost Support, YouTube, Spotify & Apple Follow & Reviews, YouTube Feedback, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures