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You track your steps. Maybe even your calories. But do you know what it really costs to live each month?Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don't reflect your values—or your faith. Let's explore why this number matters, how to calculate it, and how it ties into faithful stewardship.The Basics of StewardshipNo matter your income level or stage of life, the same principles apply. There are five things you can do with money:Earn itLive on itGive it awayOwe it to othersGrow it through saving and investingToday, we're focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it's not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts.Why Tracking MattersInflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn't reflect your personal circumstances. That's why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship.A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here's where to start:1. Begin with GivingFor believers, giving isn't just another line item. It's the first priority—an act of worship and trust in God's provision.2. Add Savings GoalsWhether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly.3. List Your ExpensesExpenses fall into three categories:Fixed: Rent, mortgage, insurance, subscriptions.Variable: Groceries, gas, utilities.Irregular: Property taxes, holiday gifts, car repairs. Spread these out by assigning a monthly average.When you add it all up, you'll have a clear picture of your total monthly needs—your true cost of living.If your expenses exceed your income, don't panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn't about guilt—it's about faithfulness.Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely.Living With Clarity and FaithTracking your cost of living isn't just a budgeting exercise. It's about living intentionally, aligning every dollar with God's purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose.That's why I encourage you to download the FaithFi app today. With FaithFi Pro, you'll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store.So, do you know your personal cost of living? If not, there's no better time to find out.On Today's Program, Rob Answers Listener Questions:I'm 67 and single. Should I start taking Social Security now, or wait until age 70 for the larger benefit? I'm also worried about whether Social Security will even be around in the future. On top of that, I worked many years for a nonprofit that provided housing, so my reported income was low. Now I'm earning more—will that help increase my Social Security amount?I'm retired and already drawing Social Security, but I also have earned income from pastoring two rural churches. With that income, am I allowed to contribute to a Roth IRA or another type of retirement account?My husband and I don't have much debt besides our mortgage and a 0% interest loan we used for a heat pump. Should we pay off the heat pump early, add more to our emergency fund, or focus on paying down the mortgage?My online savings account was compromised, and someone tried to transfer money out. What steps can I take to protect myself when using online accounts? And do you recommend using a password keeper?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)1Password | LastPassWisdom 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.
Have you ever been so down that you start giving away your services? How bad do things have to get for you to start considering the one thing you know you can't do? Did Nacho slip any baseball cards in his pocket? What is coming the last 3 episodes of this season? All these questions and more are discussed and answered on the Almost SideShow where we break down Better Call Saul episode by episode. This episode is Season 3 Episode 7 - "Expenses."Check back every Thursday morning for the latest episode of the Almost SideShow!Find the past seasons of the Almost SideShow here: http://almostsideways.com/Main%20Menu/Artice%20Archives%20Sub-Menus/AlmostSideways/Almost%20SideShow.htmlThe SideShow is meant to be a companion to listen to after you watch each episode, so join us on the journey! Watch the episode, then listen to our reaction and analysis. New episodes drop every week!The Almost SideShow is hosted by Terry Plucknett and Adam Daly and is a part of the AlmostSideways family.Find AlmostSideways everywhere!Websitealmostsideways.comFacebookhttps://www.facebook.com/AlmostSidewayscom-130953353614569/AlmostSideways Twitter: @almostsidewaysTerry's Twitter: @almostsideterryZach's Twitter: @pro_zach36Todd: Too Cool for TwitterAdam's Twitter: @adamsidewaysApple Podcastshttps://podcasts.apple.com/us/podcast/almostsideways-podcast/id1270959022Spotifyhttps://open.spotify.com/show/7oVcx7Y9U2Bj2dhTECzZ4m YouTubehttps://www.youtube.com/channel/UCfEoLqGyjn9M5Mr8umWiktA/featured?view_as=subscriber
R. Kenner French emphasizes that many entrepreneurs are "leaving money on the table" by overlooking the Research and Development (R&D) tax credit. He explains that even experienced CPAs sometimes forget about it, highlighting how often business owners miss out. Unlike a deduction, this incentive is a dollar-for-dollar credit against taxes, meaning direct savings. Kenner stresses that entrepreneurs—especially those experimenting with AI or improving business systems—are prime candidates to benefit.He outlines that R&D tax credits are a U.S. government incentive to propel innovation and economic growth. Eligible activities must be based in the U.S. and can include developing new products, processes, or services, or even enhancing existing ones. Work done overseas, however, does not qualify. He provides real-world context, noting how even his company missed out on credits when hiring researchers abroad. The key takeaway: if innovation is happening domestically, it may qualify.Kenner details qualifying expenses such as salaries and wages of research staff, supplies like computers used for testing, contract research, and even a portion of overhead costs like utilities. He demonstrates the impact with a simple example: if a company owes $100,000 in taxes and claims $10,000 in R&D credits, the liability drops to $90,000. This means improved cash flow for businesses, along with the added societal benefit of fueling innovation.The process of applying requires identifying R&D activities, documenting expenses, and calculating eligible credits. He advises tracking R&D efforts regularly instead of scrambling at year-end and working with qualified advisors to maximize results. Importantly, businesses can often retroactively claim credits for the past two or three years. Staying proactive is critical, since tax laws evolve over time.Finally, Kenner highlights industries that commonly qualify, including pharmaceuticals, tech startups, and manufacturing. He encourages entrepreneurs to see R&D not just as a compliance item but as a way to market themselves as innovators with a competitive edge. He's central message is clear: properly identifying and claiming R&D tax credits can lower taxes, increase cash flow, and help entrepreneurs play a meaningful role in advancing society.Takeaways• Many entrepreneurs are unaware of R&D tax credits.• R&D tax credits can significantly reduce tax liability.• Eligibility includes developing new products or processes.• Expenses related to R&D can be claimed for tax credits.• It's essential to consult with a tax professional about R&D credits.• R&D tax credits can improve cash flow for businesses.• Innovative projects are incentivized by the government.• Documentation of R&D activities is crucial for claiming credits.• Businesses can retroactively claim R&D credits for previous years.• R&D tax credits can provide a competitive edge in the marketplace.Sound Bites• You are leaving money on the table.• It reduces your overall tax liability.• Unlock your business's potential.Listen & Subscribe for More:
There are three big changes that need to be made to the H-2A foreign guestworker visa program before more farmers are forced out of business, and WAFLA CEO Enrique Gastelum says the time has come!
Welcome to Your Real Estate Voice with Barb Schlinker, your trusted source for all things real estate. Whether you're considering a move or just curious about the market, Barb is here to provide expert guidance and invaluable insights. With years of experience and a commitment to delivering results, Barb Schlinker and her team at Your Home Sold Guaranteed Realty – Barb Has The Buyers Team is dedicated to helping you achieve your real estate goals. Don't hesitate to contact Barb directly at 719-301-3900 or visit BarbHasTheBuyers.com to tap into her extensive network of buyers and sellers. Get ready to experience a seamless and successful real estate journey with Your Real Estate Voice and Barb Schlinker by your side.Segment 1 – Why Colorado is a Somewhat Competitive MarketSegment 2 – Top Reasons a House is NOT Selling and What You Can Do to Fix itSegment 3 – What are the Expenses of Selling a House in ColoradoSegment 4 – How to Sell a House Fast in Colorado Competitive Real Estate Market & Hot New ListingsYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty. If you are thinking of making a move, call Barb at 719-301-3900 or visit BarbHasTheBuyers.com#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers
Welcome to Your Real Estate Voice with Barb Schlinker, your trusted source for all things real estate. Whether you're considering a move or just curious about the market, Barb is here to provide expert guidance and invaluable insights. With years of experience and a commitment to delivering results, Barb Schlinker and her team at Your Home Sold Guaranteed Realty – Barb Has The Buyers Team is dedicated to helping you achieve your real estate goals. Don't hesitate to contact Barb directly at 719-301-3900 or visit BarbHasTheBuyers.com to tap into her extensive network of buyers and sellers. Get ready to experience a seamless and successful real estate journey with Your Real Estate Voice and Barb Schlinker by your side.Segment 1 – Why Colorado is a Somewhat Competitive MarketSegment 2 – Top Reasons a House is NOT Selling and What You Can Do to Fix itSegment 3 – What are the Expenses of Selling a House in ColoradoSegment 4 – How to Sell a House Fast in Colorado Competitive Real Estate Market & Hot New ListingsYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty. If you are thinking of making a move, call Barb at 719-301-3900 or visit BarbHasTheBuyers.com#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers
Hire Yourself Podcast with Pete GilfillanThe corporate tide has turned—and executives are no longer holding the cards.In this episode, Pete Gilfillan breaks down why the power in today's job market has shifted from employees back to employers. If you're a senior-level executive watching AI, downsizing, and the gig economy reshape the landscape, it's time to think seriously about your Plan B. Pete lays out five compelling reasons why entrepreneurship may be the most secure path forward.In this episode, Pete discusses:1. The Employer Now Has the Upper Hand From economic instability to corporate cost-cutting, companies are slashing executive roles and automating key functions.2. Why Executives Need a Plan B Corporate loyalty is fading fast. Pete explains why building your own safety net—before you need it—is essential.3. Greater Control Over Career and Income Entrepreneurship gives you the power to control your path, protect your income, and create long-term security.4. Leverage Your Business Acumen You've built the skills—now use them for yourself. Pete shows how your leadership experience translates into business success.5. Work-Life Flexibility and Autonomy As a business owner, you call the shots. That means creating freedom, not just income.Key Takeaways:The hiring power dynamic has changed—and executives are at risk.A Plan B gives you control, protection, and peace of mind.Franchising or entrepreneurship can help you diversify income and build equity.Your corporate background is your biggest advantage—use it.Waiting is a risk. Take the next step while you still have options.“You don't need to quit your job today—but you do need a Plan B.” — Pete GilfillanCONNECT WITH PETE GILFILLAN:
On today's Sharper Point Commentary, Jim Sharpe explores the expenses and options of childcare as a shortage of care continues to grow in the West Valley. He says the costs of running a childcare contribute to the shortage and the high prices of the facilities currently open.
This is Part 8 of Steve Coughran's book Cash Flow. Steve explains the fourth lever of cash flow: operating expenses. He shows why cutting costs blindly destroys value, how to eliminate waste without hurting growth, and the smart ways to optimize overhead while protecting employees, customers, and long-term strategy.LinkedIn | YouTube coltivar.com
Welcome to Your Real Estate Voice with Barb Schlinker, your trusted source for all things real estate. Whether you're considering a move or just curious about the market, Barb is here to provide expert guidance and invaluable insights. With years of experience and a commitment to delivering results, Barb Schlinker and her team at Your Home Sold Guaranteed Realty – Barb Has The Buyers Team is dedicated to helping you achieve your real estate goals. Don't hesitate to contact Barb directly at 719-301-3900 or visit BarbHasTheBuyers.com to tap into her extensive network of buyers and sellers. Get ready to experience a seamless and successful real estate journey with Your Real Estate Voice and Barb Schlinker by your side.Segment 1 – Why Colorado is a Somewhat Competitive MarketSegment 2 – Top Reasons a House is NOT Selling and What You Can Do to Fix itSegment 3 – What are the Expenses of Selling a House in ColoradoSegment 4 – How to Sell a House Fast in Colorado Competitive Real Estate Market & Hot New ListingsYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty. If you are thinking of making a move, call Barb at 719-301-3900 or visit BarbHasTheBuyers.com#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers
Welcome to Your Real Estate Voice with Barb Schlinker, your trusted source for all things real estate. Whether you're considering a move or just curious about the market, Barb is here to provide expert guidance and invaluable insights. With years of experience and a commitment to delivering results, Barb Schlinker and her team at Your Home Sold Guaranteed Realty – Barb Has The Buyers Team is dedicated to helping you achieve your real estate goals. Don't hesitate to contact Barb directly at 719-301-3900 or visit BarbHasTheBuyers.com to tap into her extensive network of buyers and sellers. Get ready to experience a seamless and successful real estate journey with Your Real Estate Voice and Barb Schlinker by your side.Segment 1 – Why Colorado is a Somewhat Competitive MarketSegment 2 – Top Reasons a House is NOT Selling and What You Can Do to Fix itSegment 3 – What are the Expenses of Selling a House in ColoradoSegment 4 – How to Sell a House Fast in Colorado Competitive Real Estate Market & Hot New ListingsYou are listening to the Real Estate Voice with Barb Schlinker of Your Home Sold Guaranteed Realty. If you are thinking of making a move, call Barb at 719-301-3900 or visit BarbHasTheBuyers.com#realestatevoice #barbschlinker #coloradosprings #yourhomesoldguaranteedrealtycolorado #barbhasthebuyers
Enrique Gastelum, CEO at WAFLA, the Worker and Farmer Labor Association, says there are three big challenges that need addressed, and the first is the skyrocketing Adverse Effect Wage Rate.
Fan Mail - Send us a Text MessageTerry Waugh is a solicitor, mortgage broker and tax adviser.Today's topic is about debt recycling and discretionary trusts, particularly when the invested assets are generating a loss.— If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions.Support the showwww.structuring.com.au
We all hear about costs rising, but did you know there are 5 specific expenses that actually decrease or go away entirely in #retirement? In this episode of #MoneyGuidewithMarySterk, we shed some light on key #expenses you WON'T have to keep planning for.#inflation #costofliving #payroll #payrolltaxes #socialsecurity #medicare #assets #income #selfemployed #businessowner #commuting #starbucks #wardrobe #apparel #clothing #accessories #disability #lifeinsurance #incomegap #incomestream #investmentsFeat Mary SterkSubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter
This week on Taxpayer Talk, James sits down with John O'Connell, Chief Executive of the UK TaxPayers' Alliance. John and James dig into some big issues, to see what New Zealand can learn from the UK's (many) mistakes.Rates caps, death tax, and John's role in exposing the infamous MPs' expenses scandal, which forced every British MP to open their expense reports to public scrutiny. Six MPs were jailed, and hundreds more were caught out.Support the show
Watch the webinar on the Rockefeller Method now: https://shorturl.at/14eAL On today's episode, we're reintroducing our episode with Scott Donnell that was recorded last year! The episode fits nicely with our Rockefeller Series on passing down values to your children. If you haven't checked out our Rockefeller Series, it's a must watch! Most parents think “giving more” is the best way to set their kids up for success… but what if that's actually ruining them? In this episode, Darren and Christina sit down with Scott Donnell — founder of GravyStack and Dinner Table, to reveal how to truly build a family legacy. Scott has already helped over 7 million families raise financially confident kids, and today he's breaking down: Why heritage > inheritance when it comes to wealth The 3 E's System (Expectations, Expenses, Extra-Pay Gigs) that makes allowance obsolete How to use healthy struggles to build resilient, confident children Why schools and banks don't (and won't) teach financial literacy The simple strategies you can start TODAY to give your kids an unfair advantage for life If you've ever thought “I wish I learned this when I was younger” — this episode is a must-watch. Tune in now! Show notes: 00:00 - Introduction to Scott Donnell 5:50 - At what age should you start teaching kids about finances 10:15 - Dealing with objections from parents 17:00 - Final thoughts from Scott BOOK A CALL WITH US NOW: https://www.controlandcompound.com/contact-us FIND US ON: INSTAGRAM: https://www.instagram.com/controlandcompound/ TIKTOK: https://www.tiktok.com/@controlandcompound?lang=en FACEBOOK: https://www.facebook.com/controlandcompound JOIN OUR FACEBOOK COMMUNITY: https://www.facebook.com/groups/controlandcompound Thank you for tuning in to this episode. The information contained in this podcast is for informational and entertainment purposes only, and is separate and apart from the wealth coach services provided by Darren Mitchell and Associates, Inc. To its qualified clients, Control and Compound Financial expressly disclaims any and all liability or responsibility for any direct, indirect, incidental or any other damages arising out of any individual's use of this podcast or the information in it. The views expressed here are those of each participant and guests, and not necessarily those of or endorsed by Control and Compound Financial, its affiliates, subsidiaries, and their respective directors, shareholders, officers, or employees. For full disclosure, visit controland compound.com/podcast-media.
Cutting your budget doesn't have to mean cutting joy out of your life. With a bit of creativity and intention, you can save money while still enjoying what truly matters. Here's how to bring more purpose—and even fun—into your spending plan.Before diving into practical steps, begin with prayer. Ask God to help you cultivate contentment, because wise spending starts with a heart that trusts Him. As Paul reminds us in 1 Timothy 6:6, “But godliness with contentment is great gain.” Budgeting isn't just about numbers; it's about aligning your heart with gratitude for what God has already provided.1. Try a “Pantry Challenge” MonthCommit to eating what you already have in your fridge, freezer, and pantry for an entire month. You'll reduce grocery spending and uncover forgotten items—maybe even a few surprises. Free apps like SuperCook or Cooklist can help you find creative recipes using your existing ingredients, turning the challenge into a fun family adventure.2. Create a Family Fun FundEntertainment doesn't have to be expensive. Set a monthly cap for fun activities and get the whole family involved in choosing them. One week could be a hike and picnic at the park; another, a cozy movie night at home with popcorn and dollar-store candy. This approach teaches that joy isn't tied to a price tag.3. Swap Babysitting with Another FamilyChildcare can be costly, but community is a gift. Partner with another family you trust to take turns watching each other's kids. One week, you get a date night, the next they do—and no one spends a dime. You'll save money, build relationships, and create margin in your budget.4. Take On One Service YourselfPick one recurring expense and try handling it yourself for a season—such as washing the car, mowing the lawn, or grooming the dog. You may save more than you expect and even gain a new skill or appreciation for the task.5. Declare a Monthly “No-Spend” WeekendChoose one weekend a month to spend nothing beyond the essentials. Use the time to rest, reconnect, and enjoy free or low-cost activities, such as playing board games, going for a hike, or visiting the library. Turn it into a family challenge by deciding together how to use the extra savings for giving, saving, or a future treat.6. Practice the 30-Day RuleWhen tempted by a big purchase—like a gadget or appliance—write it down with the date and wait 30 days. If you still want it and it fits the budget after a month, you can move forward with confidence. More often than not, the urge will pass, and you'll keep your money where it belongs.None of these ideas is earth-shattering—and that's the beauty of them. Real transformation often comes from small, consistent decisions: choosing contentment over consumption, planning over impulse. Each intentional step strengthens your financial stewardship and, even more importantly, your trust in God.When your kids see you making wise choices, they learn the importance of being a good steward. When your spouse feels included, it builds unity. And when you invite God into your day-to-day financial decisions—even the small ones—you'll see His faithfulness in significant ways.A Tool to Help You Stay on Track: The FaithFi AppIf you're ready to take the next step in intentional budgeting, the FaithFi app is a great place to start. It helps you track spending, build margin, and grow in biblical wisdom—all in one place. Visit FaithFi.com and click “App” to get started.With a little creativity and a lot of intentionality, you can cut costs without cutting out what matters most.On Today's Program, Rob Answers Listener Questions:I'd like to understand the difference between prepaid cards and credit cards—the pros and cons of each. My primary concern is avoiding debt, so I'm trying to determine which prepaid card would be the best option for me.I recently received $20,000 and need advice on the best way to invest it. My goal is to strengthen my emergency savings while still making wise financial decisions.I'm 12 and get a $100 monthly allowance. I want to learn how to save and invest my money wisely.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Buckner Shoes For Orphan SoulsBankrate.com | NerdWalletStashWisdom 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.
After you listen:Check out Chris's article "5 Questions to Ask Before a Big Purchase."Learn more about liquidating in "3 Mistakes to Avoid When Making a Large Portfolio Withdrawal."In this episode, host Mark Riepe walks through how to prepare for major purchases, both expected and unexpected. Senior Research Analyst Chris Kawashima joins Mark to break down the key considerations when deciding whether to fund a big expense with cash, invesments, or financing and to discuss the potential trade-offs of each approach.Learn practical strategies for planning large expenses, avoiding financial surprises, and making informed decisions that fit your unique goals. Whether you're saving for a car, the down payment on a new home, or an unexpected expense, Mark and Chris provide actionable insights to help you navigate these choices with confidence.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk, including loss of principal.Past performance is no guarantee of future results.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.0925-8CMP
The Rebbe encourages an album of drawings of Kfar Chabad, past and present, showing its growth in spiritual and physical life. The images should be simple and true to reality, not stylized, and may be printed later as postcards or an album. Expenses will be covered, with blessings for success and Torah study. https://www.torahrecordings.com/rebbe/igroskodesh/015/013/5721
Important news from the Idaho Cattle Association. The Idaho Cattle Association is now accepting donations for their wildfire relief fund.
Snag a FREE copy of my book, and get connected to the Military Millionaire community on all of your favorite platforms: https://www.frommilitarytomillionaire.com/free-book
This is Part 8 of Steve Coughran's book Cash Flow. In this section, Steve explains the fourth lever of cash flow: operating expenses. He shows why cutting costs blindly destroys value, how to eliminate waste without hurting growth, and the smart ways to optimize overhead while protecting employees, customers, and long-term strategy.LinkedIn | YouTube coltivar.com/byfiq
This week, we're covering the expansion of IRC §529 qualified higher education expenses under the One Big Beautiful Bill Act.
Being able to control your so-called “local expenses” as an RIA, or 1099 when joining an RIA, comes with additional responsibilities, but also significant benefits to match:Only pay for the resources you actually use.The ability to run as lean or extravagant of a practice as you wish.Determine the composition of your team.Benefit from controlling your local real estate footprint.On this episode of the Transition To RIA question and answer series I expand on these benefits, and others, with respect to controlling your local expenses.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-is-the-benefit-of-controlling-your-local-expenses-as-an-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.
Try Journal free for 14 days: https://www.bookkeepersmarketing.com/ Take part in our Summer Survey: https://6fbsummer.scoreapp.com/p/summer2025 In this episode of The Bookkeepers' Podcast, we take a fresh, practical look at what bookkeepers actually do—end to end. We walk through the real workflow for small businesses: choosing cloud software and connecting bank feeds, coding sales and expenses with proper evidence (especially for VAT), handling accruals and prepayments, running credit control and payment runs, dealing with payroll journals, staying compliant with AML, and turning up-to-date data into useful management reports and cash flow forecasts. You Will Learn The true purpose of bookkeeping (decision-ready info first, tax compliance as a result). Why we recommend moving clients to cloud software (Xero, Sage, FreeAgent, QuickBooks) and specialising in one platform. How to keep business and personal spend separate and reconcile from the bank statement out. Sales workflows: invoicing, POS, online sales via Stripe/PayPal—and why you must “gross up” fees. Expenses, approvals, and smooth supplier payment runs (with director approvals). Payroll boundaries: when to outsource vs in-house, and how to post payroll journals correctly. AML responsibilities and the “bookkeeper as detective” mindset. Building monthly/quarterly reporting rhythms, KPIs, and cash flow forecasting clients can act on. ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast.
When it comes to selling or buying a law firm, what you see on the books isn't always the whole story. Some costs are real for the seller but won't carry over to the buyer — and those hidden savings can dramatically change a firm's true value. In this episode, Victoria Collier uncovers the overlooked world of duplicative expenses. From accounting to software to office rent, these “double costs” can either drag down your firm's valuation or create hidden upside for savvy buyers. What You'll Learn in This Episode Duplicative expenses can mask a firm's true profitability — learn how to spot them and why they matter in valuations. Buyers can find hidden opportunities to instantly boost net income by cutting redundant costs. Sellers who highlight these expenses proactively can position their firm as more valuable and secure a better price. About Victoria Collier Victoria Collier is a seasoned attorney, entrepreneur, and expert in law firm sales and valuations. With a background in law and accounting, including her prior military service and CPA training, she brings a unique perspective on the financial intricacies of business valuations. Victoria helps transform law firms into more valuable and sellable businesses, guiding attorneys through life after law. We want to hear from you! You can leave us a rating and review in Apple Podcasts. Click here and then scroll down the page to the rating and review section. You can also leave us a rating in Spotify by clicking here. Connect with Victoria Collier https://quidproquolaw.com/ Private Facebook Group https://www.facebook.com/groups/1284225722042602 LinkedIn https://www.linkedin.com/company/victoria-collier-coaching/
On this insightful episode of the “NASM-CPT Podcast,” host, and NASM Master Instructor, Rick Richey, tackles a nuanced listener question from Ellie about the financial realities of going independent as a personal trainer. Rick dives into the classic advice that many entrepreneurs should expect to reinvest their profits for the first three to five years and puts this into perspective for trainers considering going out on their own versus opening a brick-and-mortar facility. He breaks down what it actually costs to work independently, and why it usually doesn't take years to “pay yourself back”—unlike running a physical gym, which often requires a significant upfront investment and years of profit reinvestment. Rick also sheds light on important yet often confusing tax responsibilities for self-employed trainers, gives practical advice on setting aside money for business expenses and retirement, and shares stories from his own experience growing multiple gyms in New York City. With relatable anecdotes—like his wife asking, “When do we get to keep the money?”—and actionable tips (hint: get a business credit card just for work expenses), Rick makes the numbers approachable. He also details the pros and cons, both financial and lifestyle-wise, of working for yourself versus for someone else. If you're considering taking the leap into independent training or even opening your own facility, this episode is packed with real-world financial advice, hard truths, and encouragement for trainers at every stage of entrepreneurship. If you like what you just consumed, leave us a 5-star review, and share this episode with a friend to help grow our NASM health and wellness community! The content shared in this podcast is solely for educational and entertainment purposes. It is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek out the guidance of your healthcare provider or other qualified professional. Any opinions expressed by guests and hosts are their own and do not necessarily reflect the views of NASM. Introducing NASM One, the membership for trainers and coaches. For just $35/mo., get unlimited access to over 300 continuing education courses, 50% off additional certifications and specializations, EDGE Trainer Pro all-in-one coaching app to grow your business, unlimited exam attempts and select waived fees. Stay on top of your game and ahead of the curve as a fitness professional with NASM One. Click here to learn more. https://bit.ly/4ddsgrm
Send us a textIs your aesthetic practice unknowingly letting profit slip away? In today's competitive market, running an efficient operation is just as critical as delivering exceptional results. Small inefficiencies can quietly drain your bottom line and limit growth.In this episode of Shorr Solutions: The Podcast, host and award-winning consultant Jay Shorr reveals eight proven strategies to cut costs, maximize profitability, and protect patient satisfaction. Drawing on decades of experience in aesthetic practice management, Jay shares real-world tactics that keep quality high while ensuring every dollar works harder for your business. Schedule your free consult with our expert, Jay Shorr, here. To sign up for our Conversion Cascade 2.0 online course, click here. Don't forget to enter code PODCAST at checkout for 20% OFF! Connect with us:Website: https://shorrsolutions.com/Instagram: https://www.instagram.com/shorrsolutionsFacebook: https://www.facebook.com/shorrsolutionsLinkedIn: https://www.linkedin.com/company/shorrsolutionsYouTube: https://www.youtube.com/user/TheBestMBS1/featured
Saving for your child's college education can be a daunting task, especially given the rising cost of tuition and other expenses. However, with careful planning and smart financial decisions, you can ensure that your child has access to quality education without the burden of debt.If you're interested in a one-on-one with David, visit westreet.org/wealth-management
In part two of the Sports Cards Live stream from Saturday, August 23, 2025, we explore the evolving collector–investor debate with Brent Weyer (@deepvalueinvestor). Brent discusses how his approach has expanded from chasing only apex cards to also embracing what he jokingly calls “bum collecting” — acquiring elite cards of overlooked stars. The conversation digs into whether sports cards are best viewed as investments or expenses, sparking thoughtful discussion around balance sheets, assets, and hobby perspective. We also examine the rise of high-net-worth individuals entering the hobby, often through breaking as their initial gateway before shifting into serious collecting and targeted investments. Brent shares how he's working with these new buyers, what types of cards they're seeking, and why education and guidance are critical in helping them navigate the market. Highlights include: Collecting for passion vs. investing for return Viewing cards as assets vs. expenses Nostalgia, aesthetics, and personal collecting rules Breaking as a gateway for wealthy newcomers How high-net-worth collectors are being onboarded into the hobby Whether you see yourself as a collector, an investor, or somewhere in between, this segment brings valuable perspective on how the hobby continues to evolve. Learn more about your ad choices. Visit megaphone.fm/adchoices
Fat Expenses full 371 Mon, 25 Aug 2025 15:22:00 +0000 PLUKtAEk9wE6T97HxMjPF1Gi4bdKZtpC society & culture Klein/Ally Show: The Podcast society & culture Fat Expenses Klein.Ally.Show on KROQ is more than just a "dynamic, irreverent morning radio show that mixes humor, pop culture, and unpredictable conversation with a heavy dose of realness." (but thanks for that quote anyway). Hosted by Klein, Ally, and a cast of weirdos (both on the team and from their audience), the show is known for its raw, offbeat style, offering a mix of sarcastic banter, candid interviews, and an unfiltered take on everything from culture to the chaos of everyday life. With a loyal, engaged fanbase and an addiction for pushing boundaries, the show delivers the perfect blend of humor and insight, all while keeping things fun, fresh, and sometimes a little bit illegal. 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-link=https%3A%2F%2Frss.amperwave.net
HOUR 1- Ally's Mush Power, Fat Expenses and MORE full 1910 Mon, 25 Aug 2025 15:46:00 +0000 TPAljhZMRRnBBup8mn6JtyYB0aiAgjDc society & culture Klein/Ally Show: The Podcast society & culture HOUR 1- Ally's Mush Power, Fat Expenses and MORE Klein.Ally.Show on KROQ is more than just a "dynamic, irreverent morning radio show that mixes humor, pop culture, and unpredictable conversation with a heavy dose of realness." (but thanks for that quote anyway). Hosted by Klein, Ally, and a cast of weirdos (both on the team and from their audience), the show is known for its raw, offbeat style, offering a mix of sarcastic banter, candid interviews, and an unfiltered take on everything from culture to the chaos of everyday life. With a loyal, engaged fanbase and an addiction for pushing boundaries, the show delivers the perfect blend of humor and insight, all while keeping things fun, fresh, and sometimes a little bit illegal. 2024 © 2021 Audacy, Inc. Society & Culture False https://player.amperwavepodcasting.com?feed-
Feeling the post-summer financial fog? You're not alone—but now's the perfect time to reset.Summer is a season of rest, family, and fun—but it can also knock our financial habits off course. That's why fall is an ideal time to pause, reflect, and get back on track. Let's explore six small but meaningful steps that can help realign your finances with your goals—and your faith.Summer Spending Can Leave You Off BalanceSummer often brings looser schedules and, sometimes, looser spending. That's okay—we need time to rest. But if your finances feel off-center, it may be time for a reset.1. Review Your Summer SpendingBefore moving forward, look back. Did your summer spending reflect your values or just your impulses? Whether it was vacations, eating out, or spontaneous purchases, reviewing where your money went brings clarity. Think of it as an act of stewardship—learning from the past so you can plan better for the future.2. Revisit Your BudgetSeasons change—and so do financial rhythms. Back-to-school costs, higher grocery bills, or other expenses may have shifted your cash flow. Revisit your budget to ensure it reflects your priorities: generosity, saving, and wise spending.A helpful tool: The FaithFi app makes budgeting a daily reminder that every dollar belongs to God. It helps you plan and track your finances in alignment with your faith.3. Check for Missed PaymentsLife gets busy, and bills sometimes slip through the cracks. Go back and confirm you haven't missed any payments. Even one late bill can hurt your credit. Also, review your autopay accounts to ensure everything is running smoothly. A little attention here prevents bigger headaches later.4. Catch Up on Your GivingGenerosity sometimes takes a backseat in busy seasons. If that happened this summer, take time to prayerfully revisit your giving. Ask yourself: Has God blessed me in a way that calls for deeper generosity? Whether to your church, a ministry, or a neighbor in need, giving is more than duty—it's an expression of trust in God as your ultimate provider.5. Tackle That Financial To-DoWe all have one thing on our financial to-do list that gets pushed aside—reviewing insurance, starting a will, or scheduling a meeting with an advisor. Stewardship often looks like taking the next step, even if it's small or unglamorous.6. Look Ahead with WisdomFall is a season of preparation. Anticipate upcoming costs, such as school expenses, open enrollment, holiday shopping, or tax planning. Mark dates and set reminders now so you won't be scrambling later. Wise stewardship is proactive, not reactive.One Step at a TimeDon't feel pressure to fix everything in one day. Growth—financial and spiritual—comes through steady, faithful diligence. Proverbs 4:26 reminds us: “Give careful thought to the paths for your feet and be steadfast in all your ways.”Wherever you're starting from—catching up, starting over, or just resetting—God meets you there. He isn't after perfection; He's after your heart, and He promises to walk with you every step of the way.At FaithFi, we're committed to equipping Christians to integrate faith and financial decisions for the glory of God. If you believe in this mission, we'd love to invite you to become a monthly partner.A gift of $35 or more per month (or $400 per year) helps us continue this vital work. As a thank-you, you'll receive exclusive benefits, including our quarterly Faithful Steward magazine, Pro Access to the FaithFi app, and early access to our devotionals and studies.Learn more or become a partner today at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:Is life insurance really necessary? I've been paying about $100 a month for a few years, and I'm wondering if the benefit justifies the cost.My husband and I are dual citizens of the U.S. and Canada. We've farmed for 40 years without any retirement accounts or formal plans. We're debt-free, but we're unsure where to start with retirement planning, especially since our income and pensions come from both countries. Is there a kingdom-minded advisor familiar with agriculture and cross-border planning, or should we begin elsewhere?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)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.
Are you obsessing over life insurance expenses and expense ratios? You might be focusing on the wrong thing. In this episode, we explain why expenses in life insurance policies matter far less than you think. We break down the difference between expense ratios and load fees, and why neither should be your primary concern when evaluating life insurance. You'll learn why the most successful buyers focus on outcomes rather than costs. We also reveal what the typical expense ratio actually is for cash-focused life insurance policies (spoiler: it's probably lower than you expect). More importantly, we discuss why knowing the precise value of your cash in 10, 15, or 20 years matters more than knowing exact expense breakdowns. You'll discover why people who achieve the best results with life insurance spend zero time negotiating or worrying about expenses they can't control. We share real observations from years of working with clients about who succeeds with these strategies and who doesn't. If you're evaluating life insurance for cash accumulation or want to understand how to make better financial decisions, this episode will change how you think about expenses. Stop driving while looking in the rearview mirror and start focusing on what actually matters: whether the policy meets your goals. ______________________________ Ready to evaluate life insurance the right way? Contact us to discuss your specific situation and see if a properly designed policy makes sense for your goals.
The Rebel News podcasts features free audio-only versions of select RebelNews+ content and other Rebel News long-form videos, livestreams, and interviews. Monday to Friday enjoy the audio version of Ezra Levant's daily TV-style show, The Ezra Levant Show, where Ezra gives you his contrarian and conservative take on free speech, politics, and foreign policy through in-depth commentary and interviews. Wednesday evenings you can listen to the audio version of The Gunn Show with Sheila Gunn Reid the Chief Reporter of Rebel News. Sheila brings a western sensibility to Canadian news. With one foot in the oil patch and one foot in agriculture, Sheila challenges mainstream media narratives and stands up for Albertans. If you want to watch the video versions of these podcasts, make sure to begin your free RebelNewsPlus trial by subscribing at http://www.RebelNewsPlus.com
Send us a textHey everyone! This month's live Q&A was packed with so many golden nuggets for your bookkeeping business. We covered everything from client management to getting started with confidence - basically all the real stuff you're dealing with day-to-day.In this episode you'll hear:Getting Clients in Niche MarketsHandling Unresponsive ClientsRecording Startup ExpensesBookkeeping Practice TestsUsing Airtable, Asana, and DubsadoClient Management and Team StructureMigrating New Clients to Xero from QBOConnecting Credit Unions to XeroAnd More!Resources mentioned in this episode:Bookkeeping Business Accelerator: https://www.ambitiousbookkeeper.com/vipBookkeeping Biz Workshops: http://bkworkshops.online/One-on-one mentoring sessions: https://www.ambitiousbookkeeper.com/contactXero: https://xeroamericas.partnerlinks.io/79afz10exu7dDubsado: https://www.dubsado.com/?c=shoupcpaOpen Phone: https://openph.one/referral/XA0kFFRExcel, Asana, Airtable, QBO, Jet ConvertThanks for listening. If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram stories and tag me @ambitiousbookkeeperFor more information about the Ambitious Bookkeeper Podcast or interest in our programs or mentoring visit our resources below:Visit our website: https://www.ambitiousbookkeeper.comFollow the Blog: https://www.ambitiousbookkeeper.com/blogConnect on Instagram: https://www.instagram.com/ambitiousbookkeeperConnect on Threads: https://www.threads.net/@ambitiousbookkeeperConnect on Facebook: https://www.facebook.com/serenashoupcpaThank you for your support of our show. If you haven't left a review yet it's super simple. Please go to ambitiousbookkeeper.com/podcast and leave your review.Podcast Publishing Tools we use:Editing → Sabr Media LLC: https://www.iangilliam.com/sabr-media-llcDescript: https://get.descript.com/u7lubkx09073 (affiliate link)Buzzsprout: https://www.buzzsprout.com/?referrer_id=1753696 (affiliate link)Join this cohort of The Bookkeeping Business Accelerator®️>Register for the Information Session HERE>August 26th - 5 PM PST
Most franchisees focus on revenue. The smart ones focus on profit. In this episode, Jeff Herr and Eric dive into the financial truths franchisors and franchisees must understand—from staffing costs to KPIs—if they want to scale and succeed. Profit isn't optional. It's survival. Timestamps 00:00 – Welcome + Jeff's birthday talk 00:41 – From franchisee beginnings to franchisor support 02:31 – Why revenue isn't the real measure of success 05:52 – Expenses vs. profitability explained 08:21 – Staffing: the biggest profitability lever 10:49 – Robert Kiyosaki & going back to basics 13:38 – Scaling smart: fewer employees, bigger profits 22:41 – Tools & KPIs every franchisee should demand 26:27 – Opening 3 locations at once: lessons learned 29:14 – Profit vs. vanity metrics 40:18 – “Raise your hand” and learn your numbers Connect with Erik Van Horn:
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Allie and Logan talk about accruing for annual expenses and if it's better to pay down debt than set aside funds for those expenses.
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Snag Our Simplified Budget System!Budget besties — you know that feeling when a big bill pops up out of nowhere and completely wrecks your monthly budget? We've been there too, and we're here to tell you: it doesn't have to be that way.In this episode, we're breaking down:What counts as an “annual bill” (and why they always feel like a surprise)How to list and track every big bill you pay only once or twice a year (auto insurance, property taxes, memberships, car registration, etc.)Why separating these expenses into their own account changes everythingHow to use our Annual Bills Savings Bucket system to divide the cost into manageable monthly savingsWhat to do if you're just getting started and don't have a full year saved yetWhether it's your auto insurance, Amazon Prime, or that massive property tax bill, this system takes the chaos out of budgeting for them — and helps you breathe easier knowing the money will be there when you need it.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"
This week, Andrew and I answer your money questions about the nitty-gritty of retirement planning, complexities of early retirement strategies, roth conversion ladders, what to do with your cash, common investing misconceptions, US vs. international stock investing, and more.Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/124-listener-qa-with-andrew-us-vs-international-investing-457b-plans-roth-conversion-ladders-when-to-stop-contributing-to-your-401k-tracking-hsas-expenses-and-more/
On this episode of Chit Chat Stocks, Brett and Ryan speak with Andrew Marshall from Capital Mindset about Dave Inc. (Ticker: DAVE). They discuss:(03:48) The History of Dave: From SPAC to Recovery(08:56) Understanding the Business Model: Micro Lending Explained(16:15) Competition and Market Positioning: Who Does Dave Compete With?(16:54) Operational Structure: Partner Banks and Expenses(22:08) Future Outlook: Pricing Models and Growth Potential(26:17) Assessing Risks and Opportunities for Dave(30:15) Market Potential and Growth Projections(34:36) Management Integrity and Company Culture(37:10) Navigating Bankruptcy Risks and Financial Health(39:50) Capital Allocation Strategies(42:36) Valuation Insights and Market MisunderstandingsCapital Mindset: https://www.youtube.com/@CapitalMindset*****************************************************JOIN OUR NEWSLETTER AND FREE CHAT COMMUNITY: https://chitchatstocks.substack.com/ *********************************************************************Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today: https://www.interactivebrokers.com/ Interactive Brokers is a member of SIPC. *********************************************************************Fiscal.ai is building the future of financial data.With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price. Use our LINK and get 15% off any premium plan: https://fiscal.ai/chitchat *********************************************************************Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation.
Ever feel like you're stuck in a loop where unexpected expenses always ruin your budget?In this episode, I break down what I call the “This Always Happens” Money Fix, a two-step process that helps my clients stop spiraling and start building real budgeting confidence. If you've ever looked at your account and thought, “Ugh, how did this happen again?” this is for you.I'll show you how to shift from shame to strategy using my signature process: Respond and Recalibrate. These simple but powerful questions will help you navigate unexpected charges, stop the guilt cycle, and actually make your budget more responsive to your real life.If you've ever paid a surprise dental bill, forgotten about a recurring charge, or panicked over a financial “oops,” this episode will help you move from frustration to freedom without ditching your budget.[01:04] Why unexpected charges don't mean you're failing with money[02:20] The “This Always Happens” Money Fix: Respond and Recalibrate[06:10] Real client examples and how we tackled hidden expenses[10:23] What a dental emergency taught my client about budgeting on purpose[14:55] How to build a money system that grows with youTune in to learn how to make your money system sustainable so you're not just budgeting for the month but building financial resilience for life.Get full show notes and the episode transcript: https://wealthovernow.com/a-better-way-to-handle-unexpected-expenses/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
Stash Graham sees health care lagging but eyes opportunities in banks (preferring regional) and energy (natural gas especially). He also prefers stocks over ETFs or other investment vehicles. The “impulse for inflationary pressures is intensifying,” in the White House, he argues. This makes it less appealing for the Fed to cut rates, but with a weakening labor market and the “inflection point” of tariffs for many businesses, he thinks there could be 1-2 cuts this year.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about
Accurate expense coding is critical to building a clean SaaS P&L that drives investor confidence, valuation discussions, and clarity in internal metrics. In episode #303, Ben Murray explains exactly where SaaS operators should code executive-level expenses (CMO, CRO, VP of Services, CFO, etc.) and why coding accuracy is a non-negotiable for both SaaS metrics and investor metrics. Ben also highlights the common mistake of letting G&A become a dumping ground, which can distort key financial metrics, including your gross profit margin, OpEx profile, and overall SaaS valuation. What You'll Learn: Where to code executive salaries and expenses in your SaaS P&L Why department-level cost centers (Sales, Marketing, Services, etc.) are crucial for accurate SaaS metrics How misclassifying expenses can hurt your valuation and confuse investors during due diligence The golden rule: G&A should not be a dumping ground Tips on ensuring your bookkeeping process supports clean financial reporting Why It Matters for SaaS Operators & Investors: Accurate SaaS P&L structures are essential for clean reporting to boards and investors. Incorrect coding can skew key investor metrics like gross margin and operating expense ratios. A well-coded SaaS P&L provides the foundation to benchmark your business, manage spend, and maximize company valuation during fundraising or exit processes. Resources Mentioned: How to Properly Structure Your SaaS P&L (Blog Post + Example Template) Quote from Ben:“As a CFO, G&A isn't a catch-all—it should only hold true G&A costs. Every expense needs to follow the people creating it.”
Today's Old Newscast looks at the full effect the expenses scandal had on the British public. Adam is joined again by Chris Hope and Jo Coburn to assess its legacy, and why the story had such a lasting impact on British public life.You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://tinyurl.com/newscastcommunityhereNew episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bit.ly/3ENLcS1 Newscast brings you daily analysis of the latest political news stories from the BBC. The presenter was Adam Fleming. It was made by Rufus Gray. The technical producer was Dafydd Evans. The assistant editor is Chris Gray. The senior news editor is Sam Bonham.
Today's Old Newscast focuses on 8 May 2009 - the day that The Daily Telegraph publishes the first in a long series of stories about MPs expenses. We hear how the information that changed the way the British public view politics was leaked.Adam is joined by two people who were reporting at the heart of the story - former Whitehall Editor of the Telegraph, Chris Hope, and Jo Coburn - then of the BBC. This episode tells the story of what led to that day - disgruntled off duty soldiers, a ‘bunker' of journalists on a secret mission, and a disk full of information kept under high security.You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://tinyurl.com/newscastcommunityhereNew episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bit.ly/3ENLcS1 Newscast brings you daily analysis of the latest political news stories from the BBC. The presenter was Adam Fleming. It was made by Rufus Gray. The technical producer was Dafydd Evans. The assistant editor is Chris Gray. The senior news editor is Sam Bonham.
When it comes to money, most people look for two things: security and peace of mind--and that’s understandable. Life is unpredictable. Expenses pop up. Markets swing. But here’s the question: What if peace or security isn’t found in your circumstances at all? What if the foundation on which you’re building isn’t as solid as you think? On the next Faith & Finance Live, Rob West shares the real secret to financial wisdom. Then, he addresses your questions on various financial topics. That’s Faith & Finance Live —where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here. See omnystudio.com/listener for privacy information.
JPMorgan Chase ended up spending at least $20 million in legal fees as part of its $75 million settlement with the U.S. Virgin Islands over allegations of facilitating Jeffrey Epstein's sex trafficking operations. This settlement included $55 million for local victim and enforcement programs, $10 million dedicated to mental health services for survivors, and $20 million explicitly earmarked for covering legal expenses tied to defending those claimsIn addition, the bank incurred substantial legal costs defending itself in a class-action lawsuit by Epstein's victims, which resulted in a separate $290 million settlement. Although detailed breakdowns of legal fees for that settlement aren't public, internal figures indicate that JPMorgan paid over $1 billion in total legal expenses over a recent six-month period, driven in large part by litigation related to Epstein and other controversies.(commercial at 7:20)to contact me:bobbycapucci@protonmail.comsource:JPMorgan legal fees in Jeffrey Epstein sex traffick cases revealed (cnbc.com)
Nick Maggiulli is an author, the creator of Of Dollars And Data and the Chief Operating Officer at Ritholtz Wealth Management. Today on the show we discuss: why buying a house could be a terrible decision, how to build wealth even when you are broke, common money myths you need to stop believing, what it actually takes to hit $10M, how to enjoy your wealth guilt free, why cutting down on expenses won't make you rich and much more. ⚠ 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 Learn more about your ad choices. Visit megaphone.fm/adchoices
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