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Episode 179. HOT TOPIC between the fees of Signing Agents and Signing Services. How much is offered, and who has more expenses. I'm going to break it down with my real life examples.The following link will take you to our Podcast links, YouTube, social media, and email:https://linktr.ee/peaksigningSupporting our sponsors supports the podcast:Loan Signing System http://loansigningsystem.com/?afmc=3ewCRM: https://learn.loansigningsystem.com/masterclass-2025?am_id=derek51931-on-1 Notary Coaching: https://notarysuccesspath.com/coaching-program448866?am_id=derek820Complete Notary Mentorship https://www.loansigningsystem.com/notary-signing-agent-mentorship.html/?afmc=3ewNotaryAct Ejournal https://register.notaryact.com/peaksignings/
Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.
If it seems like agriculture is always being targeted with new laws, regulations and expenses, is it because the ag community doesn't communicate the way they should?
See omnystudio.com/listener for privacy information.
See omnystudio.com/listener for privacy information.
If it seems like agriculture is always being targeted with new laws, regulations and expenses, is it because the ag community doesn't communicate the way they should?
In this episode of The New Money Habits Podcast, Coach Nino Villa and Maria Casillas take a dive deep into the critical topic of prioritizing expenses and managing your financial margin—whether you're dealing with a surplus or a shortfall. Through an insightful discussion, they explore the unique paradigm of what you think you want versus what you actually need to achieve sustainable financial success. This episode is packed with practical tips and eye-opening revelations that will help you realign your financial priorities, shift your mindset, and make meaningful progress toward your financial goals. Whether you're struggling to make ends meet or figuring out how to best use your extra income, this conversation will provide the guidance you need to navigate your financial journey with clarity and purpose.
Shaun rocks up thinking it’s Thursday, which sets the tone for a very loose morning. A Channel 9 reporter drops an F-bomb live on-air, Joel Creasey tells us a cautionary tale of his wildest business expenses.. And rock legends from Franz Ferdinand join us live in the studio!See omnystudio.com/listener for privacy information.
Empowering Medical Professionals: Financial Insights with Dr. Hassan In this episode of The Medics Money Podcast, Dr. Hassan makes his debut. He's an F2 doctor in the NHS, active on social media as Dr. Hassan Finance. Dr. Hassan discusses the importance of financial literacy for healthcare professionals, sharing insights on investment strategies, the significance of transparent financial discussions, and the concept of the FIRE (Financial Independence, Retire Early) movement. He also speaks about the current financial struggles in the NHS, including the need for fair pay and the upcoming doctor strikes. Additionally, the conversation covers practical advice on managing personal finances, maximizing income, and cutting unnecessary expenses for a balanced approach to financial wellness. 00:00 Introduction to Medics Money Podcast 01:24 Special Guest: Dr. Hassan on Financial Wellbeing 03:30 Breaking Financial Taboos in Medicine 07:27 Investing: Mindset Over Stock Picking 11:13 The Power of Compounding and Long-Term Investing 15:25 Time vs. Money: The Ultimate Wealth 18:22 The FIRE Movement and NHS Pension Concerns 23:59 Opting Out of the NHS Pension: Pros and Cons 24:26 The Financial Benefits of Staying in the NHS Pension 25:44 Considering Personal Circumstances and Financial Advisors 27:17 The FIRE Movement: Tips and Strategies 28:07 Balancing Income and Expenses for Financial Independence 29:34 The Importance of Having a Financial Plan 34:43 Social Media and Financial Advice for Doctors 40:25 Upcoming Resident Doctor Strikes 44:31 Conclusion and Final Thoughts
Hello to you listening in Suffolk, Virginia!Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds (and a bit more for an important story) for Motivate Your Monday and your host, Diane Wyzga.Each one of us - if we're determined - finds a way to compost the regrets, poor decisions, failures, shames and blames that are part and parcel of living life into something almost beyond description: personal transformation. My long time friend, podcasting colleague, disabled military vet, and avid hiker, Keith McNally, is a man finding his path to transformation.His goal? Thru-hiking the Appalachian Trail beginning on March 29, 2026, crossing 14 states on the East Coast and finishing 2,197 miles 5 months later. Some of the challenges include constant rough terrain with difficult footing, a series of steep grades, climbs and descents, as well as river crossings balanced on logs, extreme weather, insects, and rock scrambles using hands for climbing. The elevation profile of the AT over its length is akin to summiting Mount Everest from sea level and back approximately 16 times. So yes, physical fitness is a must to take on the AT; but it is mental fortitude and the ability to adapt to unforseen challenges that is key to finishing the hike.Keith's journey will be a test of perseverance, a tribute to the beauty of the natural world, and an opportunity for personal growth. Even more importantly, Keith is setting the groundwork for a non-profit foundation to help military veterans find their own Trails to Transformation. This first hike is just the beginning. But here's something else. Keith is not walking alone. He has also been steadfastly training an indefatigable Aussie cattle dog he named Ashley after rescuing her from a shelter. Click HERE to watch a short video entitled: Introduction to Ashley - Trail Partner and Training CompanionAs you can imagine, an expedition like this one does not come cheap. I know money is dear. And, here I am asking you to please reach deep into your pocket to give what you are able to Keith & Ashley's GoFundMe project. On the GoFundMe site you'll find all the details as well as a punch list of expenses so you can see where your contributions will go. Click HERE to access Keith's GoFundMe, add what you can, and invite others to be part of the mission. I did! If you are curious about keeping up with Keith's training, stories, photos and more, click HERE to access his overwhelmingly popular newsletter published on Tuesdays on LinkedIn [Keith J. McNally | LinkedIn]Thank you for listening and giving a hand up because Each One Lift One is the way we roll hereYou're always welcome: "Come for the stories - Stay for the magic!" Speaking of magic, I hope you'll subscribe, share a 5-star rating and nice review on your social media or podcast channel of choice, bring your friends and rellies, and join us! You will have wonderful company as we continue to walk our lives together. Be sure to stop by my Quarter Moon Story Arts website, check out the Services, arrange a no-obligation Discovery Call, and stay current with me as "Wyzga on Words" on Substack.Stories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicALL content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved. If you found this podcast episode helpful, please consider sharing and attributing it to Diane Wyzga of Stories From Women Who Walk podcast with a link back to the original source.
Are you unknowingly losing money every month? In this video, we'll expose the Silent Wallet Killers, the small, sneaky expenses that drain your savings without you noticing. From forgotten subscriptions and hidden GCash fees to delivery charges and interbank ATM costs, these “minor” deductions can quietly pile up and derail your budget. Watch until the end to learn how to spot them, stop them, and start keeping more of your hard-earned cash.
Idaho and U.S. farmers are currently facing tough financial challenges and many are struggling to stay in business.
Become a supporter of this podcast: https://www.spreaker.com/podcast/the-way-i-see-it--5905056/support.
Retirement and college expenses are on a collision course, how should we handle both? Have a money question? Email us here Subscribe to Jill on Money LIVE Subscribe to Jill on Money Newsletter YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. 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
The Journal Investigates is today outlining just what candidates in General Election 2024 included on their expense forms as they made their run for Dáil Éireann. Jerry spoke to Conor O’Carroll of The Journal. https://www.thejournal.ie/investigates-unusual-general-election-expenses-6867699-Nov2025/
Today's episode is about living costs in Slovakia. In the Slovak lesson, you will learn a few new words from today's topic. You will also learn how to ask “What are the typical expenses? “ in Slovak. At the end of this episode, you can find my overview of typical expenses for residents in Slovakia.Episode notesIn today's episode, I'm talking about living costs in Slovakia. In the Slovak lesson, you will learn a few new words from today's topic. You will also learn how to ask “What are the typical expenses? “ in Slovak. At the end of this episode, you can find my overview of typical expenses for residents in Slovakia.Slovak lesson1. výdavky (expenses)2. obyvateľ (resident)3. náklady na život (cost of living)4. životný štýl (lifestyle)5. ubytovanie (accommodation)6. nájomné (rent)7. energie (utilities)8. elektrina (electricity)9. kúrenie (heating)10. chladenie (cooling)11. voda (water)12. odpad (waste)13. potraviny (groceries)14. doprava (transportation)15. verejná doprava (public transport)16. benzín (gasoline)17. Aké sú typické výdavky? (What are the typical expenses?)Typical expenses for residents in Slovakia:1. Ubytovanie • Nájomné (jednoizbový byt v centre mesta): 400–700 USD mesačne • Nájomné (jednoizbový byt mimo centra): 300–500 USD mesačne • Poplatky za energie (elektrina, kúrenie, chladenie, voda, odvoz odpadu): 150–250 USD mesačne • Internet: 20–30 USD mesačne2. Potraviny a stravovanie • Mesačné potraviny (na osobu): 150–250 USD • Jedlo v lacnejšej reštaurácii: 6–10 USD • Trojchodové menu pre dvoch v reštaurácii strednej triedy: 30–50 USD3. Doprava • Mesačný lístok na verejnú dopravu: 30–40 USD • Taxi (za míľu): 1–2 USD • Benzín (za galón): 5–6 USD4. Ostatné výdavky • Členstvo vo fitnes klube: 30–50 USD mesačne • Vstupenka do kina: 7–10 USD • Súkromná starostlivosť o dieťa (mesačne): 300–500 USDZhrnutiePriemerne môže jednotlivec očakávať mesačné výdavky v rozmedzí od 800 do 1 200 USD na pohodlný život na Slovensku, bez započítania nájomného. Páry a rodiny budú potrebovať viac, v závislosti od svojich potrieb a životného štýlu. Náklady bývajú vyššie vo väčších mestách, ako je Bratislava, a nižšie v menších mestách a obciach. Timestamps00:33 Introduction to the episode02:27 About living costs in Slovakia07:23 Fun fact 107:39 Fun fact 210:26 Slovak lesson16:04 Typical expenses in US dollars in Slovak18:48 Typical expenses in US dollars in English21:04 Final thoughtsIf you have any questions, send it to my email hello@bozenasslovak.com. Check my Instagram https://www.instagram.com/bozenasslovak/ where I am posting the pictures of what I am talking about on my podcast. Also, check my website https://www.bozenasslovak.com © All copywrites reserved to Bozena Ondova Hilko LLC
Feeling like your clinic's expenses keep growing but profits aren't?In this episode of the Grow Your Clinic podcast, Ben, Hannah, Jack and Pete break down how to take control of your clinic costs without cutting corners. You'll learn how to separate true expenses from smart investments, identify hidden money leaks (like subscriptions, meetings, and admin hours), and reallocate funds toward what actually drives growth—your team and your clients.If you're ready to stop wasting dollars and start spending with strategy, this episode will help you tighten your costs, boost profitability, and build a stronger, more sustainable clinic. Need to systemise your clinic? Start your free trial of Allie!https://www.allieclinics.com/ In This Episode You'll Learn:
Teacher Crystal Hoadley is helping other teachers with out-of-pocket school supplies expenses through Sunshine Supplies for Teachers
Bryan Kohberger, who was found guilty of murdering four college students in Idaho, contended through his attorney on Wednesday that he should not be responsible for the costs associated with the victims' urns as part of his restitution obligations under his plea deal. GA nurse saves a victim of human trafficking. See omnystudio.com/listener for privacy information.
Do you ever feel like budgeting is impossible because your income changes from month to month? If you're self-employed, work on commission, or depend on tips, you're not alone. Living on a variable income can feel like riding a financial roller coaster—one month you're doing fine, and the next, you're wondering how to make ends meet.But the good news is that God's Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us:“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”No matter how steady—or unpredictable—your income is, a plan is essential.Build Your Budget on What You Know, Not What You HopeMany people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month.Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving.For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons.This approach protects you from overcommitting when income drops and helps you live within your means.Create an Income-Holding AccountWhen your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account.Here's how it works:Deposit all income into one central account—your “holding tank.”Once a month, transfer your budgeted amount into your regular spending account.This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder:“Know well the condition of your flocks, and give attention to your herds.”In today's world, that means knowing where your money is, where it's going, and when it's available.Also, if your income fluctuates, an emergency fund isn't optional—it's essential.Start by saving enough to cover one month's expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you'll be able to keep paying yourself consistently.Differentiate Between Fixed and Flexible ExpensesAnother key to managing a variable income is learning to distinguish between fixed and flexible expenses.Fixed expenses—like rent, insurance, and loan payments—stay the same.Flexible expenses—like dining out, entertainment, or travel—can adjust with your income.During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances.One of the easiest ways to get off track is through “surprise” expenses that shouldn't be surprises—car repairs, insurance premiums, or property taxes.List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you're ready. No scrambling. No stress. Just peace that comes from faithful planning.Trust the Provider, Not the PaycheckEven when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children.So whether your income changes weekly or seasonally, rest in this truth: stability isn't found in your paycheck—it's found in God's faithful provision.If you're ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God's resources.Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store.On Today's Program, Rob Answers Listener Questions:I've been able to save about $170,000 and add around $10,000 each month. Once I reach $200,000, I'd like to start investing $10,000 a month in something with greater growth potential, even if it carries a bit more risk. Right now, I'm earning about 4% at the bank. What would be a wise next step for that money?I've just moved into an independent living facility and am in the process of selling my condo, which should close soon. I'll need the proceeds to help cover my living expenses, but I'm wondering—how should I handle tithing on that money?I just wanted to express my gratitude for the way you and your team share wisdom so respectfully and thoughtfully. Listening to your program has really deepened my understanding and helped me grow.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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Send us a textTracking expenses isn't just about saving receipts—it's about building a proactive, compliant financial foundation. In this quick-tip episode of The Private Practice Survival Guide, Brandon Siegel breaks down how to design a strategic tax planning system that keeps your business organized, audit-ready, and optimized for savings all year long.You'll learn how to:* Set up separate business bank accounts and integrate accounting tools like QuickBooks* Perform monthly reconciliations and maintain clean, accurate books* Conduct quarterly CPA reviews to stay compliant and proactive* Categorize expenses using Schedule C–friendly buckets for smarter tracking* Plan and pay quarterly estimated taxes without the stress* Identify often-overlooked deductions and credits (home office, mileage, professional education, and more)Leverage advanced credits and savings tools like WOTC, Section 127 student-loan assistance, SEP/Solo 401(k)/SIMPLE plans, and HSAs/FSAsIf you're ready to simplify your finances, strengthen compliance, and keep more of what you earn, this episode gives you the checklist to start the right conversation with your CPA—today. (Not tax advice.)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
Matt Ohrt is the Executive Director of the Free Market Medical Association. He tells Bob various stories from his experience in helping companies save millions by opting out of the conventional government/insurance health care system.Mentioned in the Episode and Other Links of Interest:The YouTube version of this interview.The Free Market Medical Association (FMMA) homepage.Matt Ohrt's book, Save Your Company! Don't Feed the Beast.The link for this episode's sponsor, Monetary Metals.Help support the Bob Murphy Show.
Are you focused on cutting expenses or increasing income?In this episode of The Jared Briggs Show, Jared explains why saving alone will never make you wealthy and how to shift your mindset to growth, opportunity, and abundance. Learn how to raise your income, multiply your results, and stop playing small with your finances.In this episode you'll learn:Why saving doesn't build long-term wealthHow to think like a wealth creatorThe difference between cutting back and growing forwardHow to find opportunities to increase your income todayListen now and start creating your financial freedom.Follow and rate the show for more episodes every Wednesday.
Nick Maggiulli is the COO and data scientist at Ritholtz Wealth Management, where he oversees operations across the firm and provides insights on business intelligence. He is the author of two books, Just Keep Buying and The Wealth Ladder, and Of Dollars and Data, a blog focused on the intersection of data and personal finance. His work has been featured in The Wall Street Journal, CNBC, and the Los Angeles Times. Get his brilliant new NYT bestselling book The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life here: https://amzn.to/4qpBJE5 Also, check out his first absolutely phenomenal book, Just Keep Buying: Proven ways to save money and build your wealth here: https://amzn.to/4nIONSx Anthony Scaramucci is the founder and managing partner of SkyBridge, a global alternative investment firm, and founder and chairman of SALT, a global thought leadership forum and venture studio. He is the host of the podcast Open Book with Anthony Scaramucci. A graduate of Tufts University and Harvard Law School, he lives in Manhasset, Long Island. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Most entrepreneurs chase revenue, then wonder why there's no profit left at the end of the year. In this episode, Profit First author Mike Michalowicz joins hosts John St. Pierre and Rich Hoffmann to break the cycle. Mike explains why flipping your formula to “Revenue minus Profit equals Expenses” changes everything.You'll learn how to:Expose hidden inefficiencies and pricing mistakesBalance profit and culture without sacrificing eitherBuild a team using his “teach first” hiring methodIdentify and fix the weakest link in your businessMike also shares fresh insights from his books Profit First, Fix This Next, and All In, helping you create a business that serves you, not the other way around.
Paul Jamison and Mr. Producer explore the concept of lifestyle creep, offering practical advice on controlling expenses to ensure they don't outpace your growing income.
How are you handling the rising cost of health care for your parents? How can you talk to your mother & father about the rising costs of health care and senior living? Should your parents age at home or in an assisted living facility? This week, Shawn & George talk to Rachel Aguanno, owner of Home Care Assistance Tampa Bay. Rachel's company assists seniors to live at home. Rachel was a HUGE help to Shawn when his wife was in hospice at home at the end of 2023. Specifically, we talk about: Care-giving as a side job; What a home care assistance company can or cannot do; Any tax breaks, insurance, government programs, or veteran benefits available to help pay for home health care; Hospice v. Home Health Care v Assisted Living; Expenses people don't think about; and other budget considerations. Rachel can be reached at RAguanno@HomeCareAssistance.com or her website www.HomeCareAssistanceTampaBay.com. Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026
In this episode, Ryan Spalding, Consulting Partner at Era Group, joins the podcast to share how hospitals and health systems can uncover savings in non-labor expenses through forensic cost reviews, smarter vendor negotiations, and a strategic approach to cost optimization that supports reinvestment in patient care. Learn more here. https://usc.eragroup.com/beckers-healthcare/
Mark Hamrick, Senior Economic Analyst for Bankrate.com, joins Lisa Dent to discuss Bankrate’s recent survey that shows 52 percent of Americans expect to rely on Social Security Benefits for expenses when they retire.
Paul Shannon sits down with lender-turned-operator Ryan Duff to unpack how lenders really size risk and how LPs can use the same lens. Ryan financed ~$4B+ across cycles before launching Seaport, and he explains why trailing 3–6 month economic occupancy (physical vacancy + concessions + loss-to-lease) tells you more than any glossy OM. Join us to dive into debt yield, DSCR reality vs. pitch decks, the broker-driven “falsified inputs” fiasco and subsequent lender cleanup, and why he prioritizes local, vertically integrated operators with disciplined leverage and cash buffers. Key Takeaways: Underwrite like a lender: focus on economic occupancy (vacancy, concessions, loss-to-lease), not just IRR/EM multiples Expenses are mostly knowable; deals are won/lost on the top-line and honest reporting of rent integrity Debt terms follow the inputs: DSCR, debt yield, and recent trailing performance drive survivability Protect yourself: vet the GP first (local, cycled deals, vertical ops, conservative leverage, transparency) Industry shift: tighter lender verification post-froth (less room for “massaged” rent rolls), more equity skin-in-the-game Bridge debt isn't evil, operator fit + execution speed must match the capital structure Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Remember that past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any of the advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.
Global Investors: Foreign Investing In US Real Estate with Charles Carillo
Why do older multifamily properties cost more to operate and do they still make investors money? In this episode of Strategy Saturday, Charles Carillo breaks down the truth behind older vs. newer multifamily investments, comparing operating expenses, CapEx budgeting, rent collection trends, and insurance costs across property vintages. Key Insights: Aging buildings often hide deferred maintenance that kills cash flow Insurance premiums increase as properties age Utility inefficiency drives tenant turnover and rent loss With the right CapEx plan, older properties can outperform newer ones
What should you do when clients don't reimburse you for out-of-pocket expenses? Today, we're talking about the importance of managing out-of-pocket expenses for clients to protect your financial stability and business operations. I'll share my own personal experiences of being left unreimbursed, highlight the distinction between service fees and expenses, and I offer some legal insights on setting clear boundaries and payment terms in client contracts. Key issues include creating enforceable agreements, understanding opportunity costs, and avoiding financial risks by establishing up-front payment practices and clear consequences for nonpayment. 00:00 Free Resource for Managing Clients 01:51 Personal Story: Learning the Hard Way 03:04 Understanding the Real Cost of Fronting Expenses 04:04 Setting Boundaries and Clear Expectations 06:29 Legal Insights and Practical Tips 10:10 Final Thoughts and A Plan for You Resources Which client-pleasing pattern is holding you back? Take the Quiz! Free Interactive Guide: “12 Simple Tweaks to a Clearer Client Contract” >>> Hi! I'm Sheila, your guide to a Joyful and Thriving™ creative life! I have lots of titles: attorney, social worker, coach, consultant, keynote speaker, educator. And while I'm proud of those titles, I am a human first and a title second – just like you. I want to help you reset expectations, set boundaries, and make aligned decisions, so you can streamline and focus your energy on the people, projects, and pay that actually matter to you. Instagram: @sheilamwilkinson | LinkedIn Rate this podcast/episode on Apple Podcasts, or leave feedback here, and be sure to leave me a voice note with a question for me to answer in a future episode!
Clean Biz Network Podcast | How To Start a 7-Figure Commercial Cleaning Company
Join us in Clean Biz Network! https://www.cleanbiznetwork.app/Get your Cleaning Business Automated! Visit https://cleanbizuniversity.com/automa...Join this channel to get access to perks: / @ajsimmonsonline Schedule a 1 on 1 Consultation: https://calendly.com/ajsimmonsLet my lead generation company to set bid appointments for you! Click here https://www.cleanbizcrm.com/leadgener...Follow: @AjSimmonsOnline on Instagram / ajsimmonsonline Need Business Insurance? Click this link https://nextinsurance.sjv.io/Ea23K9Need Business Credit? Apply at this linkhttps://americanexpress.com/en-us/ref...Thank you for watching, subscribing, liking, sharing, and commenting!!!!
**In this Episode of the Becoming a Badass Pharmacy Owner Podcast; Dr. Lisa Faast with Dr. Jamie Wilkey talk about Monetizing PGx** **Show Notes:** 1. **Introduction and Overview of the Webinar** [0:00] 2. **Discussion on Location and Real Estate** [3:23] 3. **Evaluating Pharmacies with Contracts Only** [6:59] 4. **Role of Brokers in Pharmacy Transactions** [10:28] 5. **Legal and Financial Considerations** [16:54] 6. **Impact of Expenses on Pharmacy Value** [25:24] 7. **Making a Pharmacy Attractive to Buyers** [34:12] 8. **The Role of Care RX in Pharmacy Valuation** [42:14] 9. **Joining Care RX and Its Benefits** [50:00] 10. **Conclusion and Additional Resources** [1:01:15] **Links mentioned in this episode:** [How To SignUp] (https://wo4qver7.pages.infusionsoft.net/)Websites Mentioned: https://www.drlisafaast.com/----- #### **Becoming a Badass Pharmacy Owner Podcast is a Proud to be Apart of the Pharmacy Podcast Network**
Cutting expenses sounds smart - but it's not always the path to growth. In fact, it can hold you back. In this episode of the Peace & Profits Podcast, I'm busting the myth that trimming costs is the key to scaling. You'll hear: Why cutting ads or team members may cost you more in the long run How to align expenses with your bigger goals Why time and money must work together for growth The power of delegation in creating peace and profit Listen in and let's rethink the “expense-cutting” advice together.
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Snag Our Simplified Budget System!Most people say their budgets get blown by “surprise” expenses — but let's be real: Christmas isn't a surprise. New tires? Not a surprise. Your dog's annual vet visit? Definitely not a surprise. These are expected expenses that just don't happen every month.In this episode, we're tackling how to stop the rollercoaster of “I was fine last month, now I'm swiping the credit card.” The solution? Savings buckets. When you create separate savings accounts for predictable but irregular expenses, you save today to avoid borrowing tomorrow.Why most “surprise” expenses aren't really surprisesHow savings buckets can bring stability to your monthly budgetThe exact steps to set up your own bucketsReal-life stories from clients who've transformed their finances using this method
"Other" Expenses are Not a Law Firm Owner P&L Category
You look at your metrics… and your stomach drops. Sales are down. Engagement's flat. Expenses crept up. Maybe even your email list took a hit. Suddenly, you're questioning everything you've been doing. If this sounds familiar, you're not alone. So many solopreneurs dread checking their metrics because it feels like they're staring straight at failure. But what if those “bad” metrics were actually pointing you toward your next growth opportunity? In this episode, I'm walking you through exactly what to do when your numbers don't look the way you hoped and how to turn that frustration into clarity and direction.
This episode breaks down the hidden costs of closing a commercial real estate deal, showing investors exactly what to budget beyond the down payment to avoid surprises and protect their capital. TIme Stamps: 0:00 – Introduction 0:11 – Podcast energy & banter 0:21 – Sponsor pitch / OSU joke 1:06 – Criterion updates & distributions 1:51 – Closing sale & project recap 3:16 – IRR, returns, risk in development 4:01 – Newsletter & investor communications 5:15 – Gateway acquisition update 7:29 – Cost items: loan charges, appraisal 9:53 – Title & escrow charges 13:04 – Title endorsements, easements 15:19 – Survey, property condition, closing summary 16:33 – Second deal cost comparison 18:21 – Using “points” and closing cost buckets 20:54 – Operating capital, over‑raising 22:06 – Final advice & wrap Join our investor list today: https://www.thecriterionfund.com/join-our-investor-list CommercialRealEstate #CREInvesting #ClosingCosts #EquityRaise #RealEstateDevelopment #TitleInsurance #OperatingCapital #CREFinance #InvestorReturns #DealStructuring
Two tragedies in one week exposed something many conservatives had been denying: we are not all Americans working toward the same goals. When one side celebrates assassination and the other extends olive branches, the asymmetry becomes fatal. If you believe in traditional values, speak openly about Christ, or question progressive orthodoxy, they consider you deserving of violence. The second half of the episode pivots to Parkinson's Law and its application to both time and money. Work expands to fill the time allowed, expenses rise to meet income, and luxuries become necessities. Without forced savings mechanisms like Infinite Banking and cash flow systems, lifestyle inflation will consume every raise and prevent wealth accumulation. The connection is direct: mastering money flow gives you control over time, and controlling your time means living the life you want now rather than deferring everything to a retirement that may never come.Chapters:00:35 - Opening 02:15 - Ukrainian train murder and Charlie Kirk assassination05:10 - The celebration of violence by the left09:45 - The leftist flowchart for responding to violence11:40 - The myth of "national conversation" exposed14:30 - First Amendment misunderstanding and employment consequences16:30 - Cancel culture hypocrisy: bodily autonomy vs. speech24:10 - DC transformation through force: crime to safety overnight25:20 - Parkinson's Law 26:30 - Becoming Your Own Banker30:30 - Forced savings through IBC vs. flexible premium policies32:20 - Why UL and IUL policies fail at 90%+ rates37:30 - Funneling raises into policy premiums to avoid lifestyle inflation38:00 - Tax refund strategy40:50 - Closing thoughts and call to actionKey Takeaways:- Political violence is almost exclusively a leftist phenomenon- Celebration of Charlie Kirk's murder came from mainstream sources, not fringe accounts- The "national conversation" narrative was always a lie - they want compliance, not dialogue- Losing your job for speech is not a First Amendment violation- First Amendment protects you from government censorship, not employer consequences- Same people demanding speech consequences for conservatives opposed vaccine mandate employment termination- Work expands to fill the time envelope allowed- Expenses rise to equal income without intervention- Luxuries once enjoyed become necessities (air conditioning, heated seats, smartphones)- Without forced mechanisms, lifestyle inflation consumes all income increasesGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationLow Stress Trading: https://remnantfinance.com/options FOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE
It's the Ranch It Up Radio Show Herd It Here Weekly Report! A 3-minute look at cattle markets, reports, news info, or anything that has to do with those of us who live at the end of dirt roads. Join Jeff 'Tigger' Erhardt, the Boss Lady Rebecca Wanner aka 'BEC' by subscribing on your favorite podcasting app or on the Ranch It Up Radio Show YouTube Channel. Cattle Anthrax In North Dakota & USDA Farm Expenses More Anthrax In North Dakota Last weekend, the state of North Dakota confirmed its second case of anthrax this year in a beef cattle herd in Stark County, according to the state veterinarian's office. North Dakota State Veterinarian Dr. Ethan Andress urged producers in counties with past cases to consult veterinarians about vaccination and to be alert for unusual livestock deaths. He emphasized that effective vaccines are available but require more than a week to build immunity, with boosters needed annually for continued protection. North Dakota Agriculture Commissioner Doug Goehring noted that while anthrax occurs most often in northeastern, southeastern, and south-central North Dakota, it has been detected across nearly every part of the state. A few cases are typically reported each year, though some outbreaks have been much larger, such as in 2005 when more than 500 livestock deaths were confirmed. REFERENCES: https://www.ksjbam.com/2025/09/29/another-case-of-anthrax-confirmed-in-north-dakota/ https://www.rrfn.com/2025/09/29/more-anthrax-in-nd/ USDA Addresses Farm Expenses Earlier in the week, in Kansas City at the Agriculture Outlook Forum, U.S. Secretary of Agriculture Brooke L. Rollins spoke on the current state of the farm economy in the United States and addressed the ways President Trump is supporting American agriculture. U.S. farm production inputs are significantly more costly than four years ago, putting pressure on farmers' bottom line. Between 2020 and now, seed expenses have increased 18%, fuel and oil expenses increased 32%, fertilizer expenses increased 37%, and interest expenses increased by a whopping 73%. Additionally, labor costs increased 47% since 2020. REFERENCES: https://www.nationalbeefwire.com/ag-secretary-rollins-announces-suite-of-actions-to-support-american-farmers Upcoming Bull & Heifer Sales On RanchChannel.Com Lot's of bull and heifer sales coming up on the RanchChannel.Com sale calendar. Check out the full line up HERE. SPONSORS American Gelbvieh Association https://gelbvieh.org/ @AmericanGelbvieh Axiota Animal Health https://axiota.com/ @AxiotaAnimalHealth Jorgensen Land & Cattle https://jorgensenfarms.com/ @JorLandCat Ranch Channel https://ranchchannel.com/ @RanchChannel Questions & Concerns From The Field? Call or Text your questions, or comments to 707-RANCH20 or 707-726-2420 Or email RanchItUpShow@gmail.com FOLLOW Facebook/Instagram: @RanchItUpShow SUBSCRIBE to the Ranch It Up YouTube Channel: @ranchitup Website: RanchItUpShow.com https://ranchitupshow.com/ The Ranch It Up Podcast is available on ALL podcasting apps. https://ranchitup.podbean.com/ Rural America is center-stage on this outfit. AND how is that? Because of Tigger & BEC... Live This Western Lifestyle. Tigger & BEC represent the Working Ranch world by providing the cowboys, cowgirls, beef cattle producers & successful farmers the knowledge and education needed to bring high-quality beef & meat to your table for dinner. Learn more about Jeff 'Tigger' Erhardt & Rebecca Wanner aka BEC here: TiggerandBEC.com https://tiggerandbec.com/
Life is full of financial surprises—car repairs, medical bills, home maintenance, or sudden expenses that can wreck your budget and drain your savings. What if you could cover these unexpected costs without relying on credit cards, personal loans, or tapping into your emergency fund? In this episode of Private Banking Strategies, wealth experts Vance Lowe and Seth … Continue reading Surviving Unexpected Expenses | Episode 135 →
Send us a textAre you spending money the wrong way? Every dollar is either pre-tax or after-tax money. Knowing the difference is the key to thousands in tax savings.In this episode, we cover how to turn everyday expenses into business deductions. From meals and travel to home office and even hiring your kids, you'll learn the mindset shift that could save you thousands each year.
These Expenses DO NOT Belong on Your P&L!
Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren't surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund.Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately.We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt's grain during the years of plenty. His preparation wasn't random—it was steady and systematic. That's exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise.What Is a Sinking Fund?A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you've been building.This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It's not glamorous, but it works.Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn't wait until the snow falls to collect food—she steadily prepares in advance.Trusting God doesn't mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand.Where to StartIf you're new to sinking funds, begin with one category. Break down the expense into monthly contributions:Car repairs & replacement—Tires, brakes, or even a future vehicle.Home maintenance—Roofs, furnaces, and appliances all wear out.Medical costs—Co-pays, deductibles, or out-of-pocket expenses.Gifts & holidays—Birthdays and Christmas come every year.Insurance premiums & taxes—Annual or quarterly payments made manageable.Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise.In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church's needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes.The goal isn't to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear.Faith Expressed Through StewardshipChoose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you've built the habit, add another fund. Before long, you'll have a system that turns stress into confidence and panic into peace.Creating sinking funds is more than a budgeting trick—it's a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn't replace faith—it reflects it.So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn't just believing God will provide when the bill arrives—it's also honoring Him by preparing with the resources He has already placed in your hands.On Today's Program, Rob Answers Listener Questions:I'm retired but still working a few days a week. Social Security is still being deducted from my paycheck—what happens to that money? Will I ever get it back?I'm 66 and planning to retire in 10 months. My wife is also retiring soon. Together we earn about $180,000 a year. How can we best manage our retirement resources to maintain our current lifestyle?I didn't have financial training growing up, and now I see my kids struggling with unexpected expenses and poor money habits. Are there any books that can help shift our family's attitude toward money?I've looked into faith-based investment options, but they seem to have higher fees and less diversification compared to Vanguard or Schwab. What's your perspective on that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Have you ever noticed how “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren’t surprises at all—we know cars break down, homes need repairs, and Christmas comes every year. On the next Faith & Finance Live, Rob West talks about how sinking funds can help you prepare with wisdom instead of panic. Then, it’s on to your calls. 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.
Image someone, 54 years old with no savings and $90,000 in debt. How can that person admit to their kid that they cannot afford to pay for college? That is the topic of this week's episode. Shawn & George talk about: Facing the reality of the situation Honesty with your kids Exploring all funding options Dealing with the situation Reworking income & expenses Making a future rebuilding plan Small wins and other stretegies Let us know if you enjoy this episode and, if so, please share it with your friends! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
When you board a plane, you trust the pilot to get you safely to your destination. Shouldn't you be just as careful about who advises you on your financial future? Financial guidance isn't just about numbers—it's about trust, worldview, and values. The right advisor can help you make decisions that align with your faith and priorities.Every advisor brings a worldview to the table. Too often, cultural definitions of success revolve around accumulation alone. But biblical stewardship points higher—toward faithfulness, contentment, and generosity. That's why this choice is not only financial—it's spiritual. You're entrusting someone with influence over how you manage God's money, and that requires discernment.Clarify What You NeedBefore beginning your search, determine what type of help you're looking for. Do you need comprehensive planning—covering retirement, insurance, taxes, estate planning, and generosity—or just investment management? Do you want a one-time plan or an ongoing relationship? The clearer your goals, the easier it will be to evaluate fit.One of the most important questions to ask is whether your advisor is a fiduciary, legally obligated to put your interests first. Compensation models vary:Commission-based advisors earn by selling products, which may create conflicts of interest.Fee-based advisors charge fees but may also receive commissions.Fee-only advisors are paid solely by clients, helping ensure objectivity.No matter the model, insist on full transparency about fees and expenses.Credentials and CharacterCredentials demonstrate an advisor's training and licensing, but character matters just as much. Evaluate potential advisors in three areas:Values – Do they share your biblical worldview?Competence – Do they have the training and experience to serve families like yours?Process – Can they explain how they build a financial plan and how they are compensated?A Practical Process for Finding the Right AdvisorBuild a shortlist – Ask trusted friends, family, or church leaders for recommendations. Explore advisors who share biblical values, like Certified Kingdom Advisors® at FindaCKA.com.Do a background check – Verify licenses, review disclosure documents, and check for disciplinary history.Interview at least three advisors – Treat this like a job interview. You're hiring for a critical role.Request a written scope and fee schedule – Get clarity in writing.Pray and take your time – Don't let anyone pressure you into quick decisions.When meeting with potential advisors, ask:“How are you compensated? Please outline every fee and expense.”“What role does faith play in your financial advice, and how do you define success?”“What's your process for creating a financial plan or investment strategy?”Proverbs 11:14 reminds us: “Where there is no guidance, a people falls, but in an abundance of counselors there is safety.”Red Flags and Green LightsBe alert for warning signs such as:Promises of unrealistic performanceVague answers about feesPressure to move assets quicklyLook instead for encouraging signs:Transparent communicationA listening-first approachAdvice that integrates faith and family prioritiesThe right advisor depends on your season of life. Young families may need guidance on budgeting, insurance, and college savings, while retirees often seek tax-efficient withdrawals, income strategies, and estate planning. Ask potential advisors about their typical clients to see if their expertise aligns with your needs.Keeping Faith at the CenterA trusted advisor can help you avoid mistakes, manage taxes, stay disciplined during market swings, and design a generosity plan that reflects your calling. Most importantly, the right advisor will keep your focus on faithfulness, not just finances—helping you honor God with every decision.If you're ready to seek biblically wise financial advice, consider working with a Certified Kingdom Advisor®. CKAs meet rigorous standards of character, competence, and biblical training. You can start your search today at FindaCKA.com.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage. I have some credit card debt, a second mortgage, and I'd like to make home modifications for my husband, who is in a wheelchair. How exactly does a reverse mortgage work, and will it affect my credit?I'm a single mom with a limited income. What steps can I take to improve my credit score?We received a disaster loan from the Small Business Administration at 1.5% interest. My wife thinks we should invest the money instead of paying off the loan. What's your advice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistAnnualCreditReport.comChristian Credit CounselorsMovement MortgageWisdom 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode of Zero to CEO, I chat with Points Strategy Consultant Julia Menez about how to turn your everyday spending into luxury travel. Julia shares how business owners and high-income earners can optimize credit card rewards to save up to 90% on business class flights and 5-star hotels. We break down the biggest mistakes people make, how to choose the right credit cards, and the true value of travel hacking. If you're ready to stop leaving money on the table and start flying in style, this episode is your passport to smarter rewards.IG: geobreezetravel DM: podcast2025
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