POPULARITY
Categories
56 episodes with expenses
133 episodes with expenses
45 episodes with expenses
33 episodes with expenses
42 episodes with expenses
40 episodes with expenses
70 episodes with expenses
52 episodes with expenses
68 episodes with expenses
50 episodes with expenses
16 episodes with expenses
36 episodes with expenses
10 episodes with expenses
11 episodes with expenses
18 episodes with expenses
49 episodes with expenses
8 episodes with expenses
18 episodes with expenses
15 episodes with expenses
8 episodes with expenses
20 episodes with expenses
9 episodes with expenses
13 episodes with expenses
8 episodes with expenses
8 episodes with expenses
10 episodes with expenses
9 episodes with expenses
8 episodes with expenses
9 episodes with expenses
11 episodes with expenses
8 episodes with expenses
9 episodes with expenses
19 episodes with expenses
9 episodes with expenses
7 episodes with expenses
12 episodes with expenses
6 episodes with expenses
5 episodes with expenses
6 episodes with expenses
7 episodes with expenses
8 episodes with expenses
7 episodes with expenses
17 episodes with expenses
15 episodes with expenses
15 episodes with expenses
5 episodes with expenses
8 episodes with expenses
6 episodes with expenses
4 episodes with expenses
10 episodes with expenses
7 episodes with expenses
8 episodes with expenses
8 episodes with expenses
4 episodes with expenses
5 episodes with expenses
7 episodes with expenses
6 episodes with expenses
7 episodes with expenses
7 episodes with expenses
4 episodes with expenses
13 episodes with expenses
4 episodes with expenses
4 episodes with expenses
9 episodes with expenses
5 episodes with expenses
5 episodes with expenses
4 episodes with expenses
6 episodes with expenses
6 episodes with expenses
5 episodes with expenses
13 episodes with expenses
6 episodes with expenses
5 episodes with expenses
8 episodes with expenses
7 episodes with expenses
6 episodes with expenses
6 episodes with expenses
5 episodes with expenses
4 episodes with expenses
4 episodes with expenses
6 episodes with expenses
2 episodes with expenses
19 episodes with expenses
3 episodes with expenses
7 episodes with expenses
3 episodes with expenses
5 episodes with expenses
4 episodes with expenses
4 episodes with expenses
7 episodes with expenses
3 episodes with expenses
3 episodes with expenses
4 episodes with expenses
5 episodes with expenses
4 episodes with expenses
5 episodes with expenses
3 episodes with expenses
3 episodes with expenses
4 episodes with expenses
5 episodes with expenses
5 episodes with expenses
3 episodes with expenses
4 episodes with expenses
6 episodes with expenses
3 episodes with expenses
3 episodes with expenses
6 episodes with expenses
4 episodes with expenses
5 episodes with expenses
5 episodes with expenses
4 episodes with expenses
3 episodes with expenses
6 episodes with expenses
3 episodes with expenses
4 episodes with expenses
3 episodes with expenses
6 episodes with expenses
4 episodes with expenses
4 episodes with expenses
3 episodes with expenses
2 episodes with expenses
6 episodes with expenses
3 episodes with expenses
4 episodes with expenses
5 episodes with expenses
6 episodes with expenses
4 episodes with expenses
4 episodes with expenses
4 episodes with expenses
3 episodes with expenses
4 episodes with expenses
2 episodes with expenses
6 episodes with expenses
3 episodes with expenses
4 episodes with expenses
Personal payments for law firm expenses must get booked. U.S. law firm owner doing $300k–$2M/year? Get a free Law Firm Profit & Tax Checkup where I review your books and tax setup and highlight a few ways similar firms are keeping more of what they earn. Book your checkup here: https://bigbirdaccounting.com
Stop Running a 1998 Clinic in 2026Reimbursement is shrinking. Expenses are rising. And too many PT clinics are still operating like it's 1998.Albert Katz, CEO of Flagler Health, joins Jimmy to talk about:Why most healthcare tech failsThe real hidden costs of not modernizingHow missed calls and slow intake quietly drain revenueVendor fatigue and point-solution overloadWhy AI in billing still requires human oversightThe operational standards PTs must hit to be first response for MSKIf you care about protecting margin, improving efficiency, and building a clinic that survives the next decade — this episode matters.GuestAlbert Katz ???? https://flaglerhealth.io
All of the law firm car expenses you can deduct. U.S. law firm owner doing $300k–$2M/year? Get a free Law Firm Profit & Tax Checkup where I review your books and tax setup and highlight a few ways similar firms are keeping more of what they earn. Book your checkup here: https://bigbirdaccounting.com
What if 90% of what you're already spending could become a business deduction? In this episode of Life Changing Money, Barbara breaks down what it really means to “write off your life” and why it's one of the most powerful wealth-building tools available to business owners. If you're an entrepreneur, you are taxed on your profits, not your revenue. That means the goal isn't to make less money. The goal is to strategically lower your taxable income so you keep more of what you earn. Yet so many business owners wait until April to think about taxes… and by then, it's too late. Barbara debunks common myths around audits, loans, business valuations, and “not making enough to need strategy.” She explains why proactive tax planning (not reactive tax filing) is the real key to building wealth and creating freedom. Tune in to hear: Why business owners are only taxed on profits — and how to use that to your advantage The biggest myths keeping entrepreneurs from maximizing write-offs How to legally turn travel, board meetings, and even holiday trips into deductions Creative (and compliant) ways to write off meals, phones, home offices, and more Why most CPAs are reactive — and what that could be costing you The real audit statistics that might surprise you Why waiting until tax season guarantees you're overpaying How strategic write-offs can help fund major life goals like buying a home or adopting a child The mindset shifts that will help you stop fearing taxes and start planning proactively Sign up for the FREE Write Off Your Life Masterclass happening February 26th: https://taxedacademy.com/woyl-mc How To Get Involved: Life-Changing Money is a podcast all about money. We share stories of how money has impacted and radically changed the lives of others—and how it can do the same for you. Your host, Barbara Schreihans (pronounced ShREE-hands) is the founder and CEO of Your Tax Coach, and the creator of the Write Off Your Life Course. She is a top tax strategist, business coach, and expert in helping business owners and high-net-worth individuals save millions in taxes while increasing profits. When she's not leading her team, coaching clients, or dreaming up new goals for her company, you can find her drinking coffee, hanging out with her family, and traveling the world. Grab a cup of coffee and become inspired as we hear from those who have overcome and are overcoming their self-limiting beliefs and money mindsets! Do you have a burning question that you'd love to hear answered on a future show? Please email it to: podcast@yourtaxcoach.biz Sign Up For Our Newsletter Life Changing Money Podcast Get Tax Help!
What happens when revenue goes up but wealth doesn't?Most entrepreneurs operate with what Jenn calls "leftover thinking"—paying expenses first and hoping there's something left over for profit. Spoiler: there never is. Expenses expand to consume whatever's available, and you end up working harder than ever with nothing to show for it.In this episode, Jenn breaks down why revenue is vanity and profit is sanity, and walks you through the mindset shift that changes everything: treating profit as the first thing you fund, not the last.In this episode, you'll learn:Why making more money doesn't automatically mean keeping more moneyThe "leftover thinking" trap that keeps entrepreneurs financially stressedHow to flip the script and pay yourself first (without letting bills pile up)Why your money needs a system just like your operations doA simple financial rhythm that takes the stress out of money managementThe difference between building a business and building actual wealthOne exercise to see exactly where your money is really goingThis episode is for you if:You've had a great revenue year but your savings don't reflect itYou feel like money flows through your business without stickingYou avoid looking at your numbers because it feels overwhelmingYou want to build real wealth, not just stay busyYou're ready to get intentional about where your money goesKey quote from this episode:"You didn't build this business just to watch money flow through it. You built it to create a better life. Make sure your money has a system that actually delivers that."Thanks for listening! Connect With Me:
True Cheating Stories 2023 - Best of Reddit NSFW Cheating Stories 2023
I Sent My Cheating Wife & Her Lover On An All-Expenses-Paid GetawayBecome a supporter of this podcast: https://www.spreaker.com/podcast/true-cheating-wives-and-girlfriends-stories-2026-true-cheating-stories-podcast--5689182/support.
Is investing in Google's century bond a good idea? If you don't want to read any further, and just want the basic answer, for investors it's a terrible idea. On the other hand, for companies, universities or even governments, issuing a century bond is a great way to lock in low rates for a hundred years. As I said for investors, it's a terrible idea, here is an example. In 2020, the Austrian government issued a century bond that locked in a yield of 0.85%, which was a great deal for them. But for investors who purchased that bond, it is now trading for 30 cents on the euro. Another example of how things can change is back in 1997, J.C. Penney issued a 100-year bond. Back then no one would have imagined bankruptcy would occur just a little over 20 years later for the company. You may be wondering who would benefit from buying these bonds? Generally, it would be your insurers or pension funds. They both have long-dated liabilities, so long-term bonds give them comfort, knowing what the future cash flows will be. There will also likely be some hedge funds and high-risk investors that will want to trade the bonds as they will have a high amount of fluctuation based on interest rates. In fixed income investing, there is something called duration, which essentially looks at the number of years it takes to recoup a bond's true cost. The longer the duration, the more price volatility for the bond when it comes to interest rate moves. Ultimately, for the average investor I would say to stay away because predicting which way interest rates are heading can be very difficult game and it could destroy your investment returns. Big expenses are coming for companies that invest in AI We have talked about this in the past couple years and now after the companies spent roughly $500 billion in 2025 it's estimated they will spend another $3 trillion by the end of the decade. As the companies spend more money on data centers, chips and other items for AI, their depreciation expense will rise each year, which will reduce their income. The big tech companies are kind of sneaky currently with depreciation. Many companies like railroads and other companies report depreciation as a standalone operating expense on their income statement. The reason depreciation is important for investors to understand is that eventually equipment becomes obsolete or worn out and must be replaced. But the big tech companies currently don't have to break out depreciation until 2028 after new rule changes take effect. Currently, they include depreciation in the cost of goods sold or sometimes in research and development or general and administrative expenses. This makes it very difficult for investors and analysts to understand the true numbers. The big tech companies defense is they currently include it in the footnotes. However, companies like Microsoft have as many as 15-20 footnotes, which are generally not seen by investors or analysts. Perhaps the big tech companies will continue to hold onto their lofty valuations for now, but at some point, the real earnings will come through, and the stocks could take a major beating. Don't blame the restaurant or the grocery store for the high price of meat I'm sure you've noticed that if you want to go out and have a good steak, you're probably going to spend somewhere in the neighborhood of $45-$50, depending on the restaurant and how big the steak is. There's a big shortage of cattle in the United States and the numbers are staggering. In January, there were only 86.2 million cattle and calves, which is down from a peak of more than 130 million in the mid 1970s. The number of people in the United States far surpasses the number of cattle and supply/demand being what it is, it is pushing the price of cattle to higher levels. The 86.2 million heads of cattle may sound like a lot, but when you look at the numbers it is the smallest herd since 1951 and that's when the population in the United States was 157 million. The population now stands around 344 million people, which is an increase of 119%. All things being equal, there should be around 188 million heads of cattle available. There are three main reasons why the price of meat is high and the number of cattle is low. We used to receive about 5% of our beef supply from Mexico, but a parasitic fly larvae called screwworm has destroyed that supply. Another problem is a lack of rain in Texas, which is the largest producer of our beef supply with 12.5 million cows. If ranchers don't get enough rain, they produce smaller herds because the cost of feed increases. You may be thinking there's a lot of cows in California as you drive up 15 and you are right because California is the fourth largest producing state for cows at 5 million, but 1.7 million of those cows are dairy cows. The third reason is simply being a rancher is hard work, and it is generally passed down from generation to generation. Most kids when they're growing up do not dream about working on a ranch in the hot sun in the dirt all day long. Also, with the price of land some ranchers realize they're better off selling the ranch for a big profit than continuing to work the land. Fortunately, many ranchers love what they do and despite the hard work continue to do it generation after generation. If you know any young kids that like riding horses, maybe they should consider going to work on a ranch and save all that college money? Financial Planning: Do Commission-Free Annuities Make Annuities More Attractive? One of the primary downsides of annuities has always been the layers of fees that drag on returns, along with upfront commissions that create conflicts of interest in how they're recommended. Commission-free annuities attempt to address these concerns by eliminating the embedded commission and often lowering internal product expenses, which in theory should improve transparency and net performance. However, these products are typically sold by fee-based advisors who charge ongoing advisory fees, meaning that while the conflict of interest may be reduced, the cost savings inside the annuity can be offset by the advisor's separate fee. Even with improved pricing structures, the fundamental challenge remains, annuities generally offer lower expected long-term internal rates of return compared to investing directly in diversified market portfolios. While annuities provide guarantees such as downside protection and lifetime income, those guarantees come at a cost that often outweighs their benefit. In many cases, investors can generate greater long-term growth and higher income from a well-diversified portfolio. The returns may not be technically guaranteed, but it can still be done in a conservative and sustainable way. Companies Discussed: Mattel, Inc. (MAT), DraftKings Inc. (DKNG), Ferrari N.V. (RACE) & Restaurant Brands International Inc. (QSR)
Members of congress make $174,000 a year. That's pretty good, right? Wait until you hear how much their stipend is for trips to the Capitol. It'll drive you to bring your state into the top 10 territories in the world for alcohol consumption. Assuming it isn't there already. Which it probably is.Topics:Jesse Jackson diesRobert Duvall diesAlcohol consumption per capitaJames Van Der Beek GoFundMe controversyCongressional salary/stipendSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Spring is often a costly season, with confirmations, graduations and weddings - meaning families should budget and plan now. Tax season is also upon us, and getting returns done early is a smart move. And when it comes to travel, the key to enjoying an affordable vacation is properly managing expectations.
It's Take Control Tuesday, and Mansa Musa from MoneySmartLife.org is back with a strategy most families overlook: cost avoidance. Not cutting back, skipping purchases or calling something “savings” because it was on sale. Cost avoidance is different. It's money you never have to spend because you made a smart move earlier. For most working families, […]
According to an annual report by University of Idaho economists, the financial condition of Idaho agriculture is mixed, but mostly not good.
Are You Ready To Be a Public Company? Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. Successful startups have several exit options. Going public on the exchange is one of them. Here is the test to know if your startup is ready to be a public company: Can you provide a 20% annual growth rate for the next five years? This typically requires a stable customer base that is locked in. This often shows up in high customer retention rates. It can be seen in the use of the product with high daily active use rates. Do you have an operations level that is consistent with other public companies in your sector? Expenses growing at 85% of the rate of revenue or less is a good indicator. This improves margins over the course of time. Can you accurately predict your sales revenue over the next twelve months? Public investors expect the company to beat its forecast by 5% each quarter. To do so, the company needs to have a stable revenue stream. Consider these points before taking your startup public. Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _________________________________________________________ For more episodes from Investor Connect, please visit the site at: http://investorconnect.org Check out our other podcasts here: https://investorconnect.org/ For Investors check out: https://tencapital.group/investor-landing/ For Startups check out: https://tencapital.group/company-landing/ For eGuides check out: https://tencapital.group/education/ For upcoming Events, check out https://tencapital.group/events/ For Feedback please contact info@tencapital.group Please follow, share, and leave a review. Music courtesy of Bensound.
Can Law Firm Owners Write Off Kid Sports Expenses (question mark)
Debt expert, Chris Miles, critically examines Dave Ramsey's 7 Baby Steps and explains why paying off your home early can backfire on your wealth, especially when it comes to liquidity, flexibility, and long-term risk. Drawing from real-world experience, past recessions, and opportunity cost, we explain how this step can trap cash, increase vulnerability, limit future options, and sabotage your wealth, even for disciplined savers who “did everything right.” Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Watch the Full Interview: How to Use Infinite Banking to Build a Real Estate Empire | Chris Miles https://youtu.be/P2hCKhL1M_k 00:00 Introduction 00:08 Baby Step 1: $1,000 Emergency Fund 00:33 Baby Step 2: Pay Off Debt (Snowball Method) 01:11 Cash Flow Index Method and High-Yield Savings 03:09 Baby Step 3: Save 3 to 6 Months of Expenses 04:11 Modified Steps 2 and 3 05:00 Baby Step 4: Invest 15% of Household Income 06:52 Baby Step 5: Save for Children's College 09:18 Baby Step 6: Pay Off Your Mortgage 09:57 Experience with Home Equity 11:02 Trapped Money and Penalties 12:11 Baby Step 7: Build Wealth and Give 14:14 Dave Ramsey's Net Worth and Investment Strategy 18:32 Investing in Your Greatest Asset ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
In episode 2 of this 3-part series, I'm back with Amanda Holbrook from Specialized Trust Company to break down two of the most overlooked tax-advantaged accounts out there: HSAs and Coverdell Education Savings Accounts. Most people think HSAs are just a place to park money for medical bills. They're wrong. We talk about how HSAs can grow tax-free like a Roth, how investors self-direct them into real estate and other assets, and how they can cover expenses most insurance won't touch. We also dive into Coverdell ESAs—how they work for K–12 and higher education, how family members can contribute, how they compare to 529 plans, and how they fit into a bigger legacy strategy for your kids. This episode is all about using accounts you already need—for healthcare and education—in a smarter, tax-advantaged way. Next week, we wrap the series with small business retirement plans (SEP IRAs and more), including how to put significantly more money away and protect it long-term. //CONNECT WITH AMANDA Amanda Holbrook Key Account Executive at Specialized Trust Company
D&P Highlight: 2/3 of people say they're worried about health care expenses...the other 1/3 are lying. full 518 Thu, 29 Jan 2026 19:57:00 +0000 rIBvU3OaVOC6x2K7zwyVwS1iJhFy5Myu news The Dana & Parks Podcast news D&P Highlight: 2/3 of people say they're worried about health care expenses...the other 1/3 are lying. You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False
One of the biggest retirement decisions people make doesn't involve the stock market at all. It's a choice hidden inside their pension paperwork. Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381 ----more---- Transcript: Speaker 1 00:00 Hey, time once again, to plan with the tax man, and we are going to talk about the biggest retirement decisions people make that doesn't involve the stock market or could make, right? So it's a choice hidden inside the pension paperwork. Let's get into it. Would you trade $600 a month to protect your spouse? Look up in the sky. It's a bird. It's a plane. Speaker 2 00:21 No, it's the tax man. He may not be a superhero, but Tony Morrow has saved many retirement plans with his extreme knowledge of tax planning strategies. It's time for plan with the tax man. Speaker 1 00:34 Welcome into the podcast, folks. This is another edition of plan with the tax man, with Tony Morrow from tax doctor. Inc, and you can find them online@yourplanningpros.com and again, yourplanningpros.com and Tony, this week, we've got a listener question, a variation. Anyway, I'll change it up just a little bit. And you've been getting some of these lately yourself as well. And so we want to talk about this, the pension trade off conversation. And so we'll, I'll just set it up. Let me read the email and then, and then we'll dive into it. All right, okay, all right. So with my pension, the person says I can get $3,500 a month, but the wife gets nothing when I die, or I can take 2900 a month and she'll continue to get all of it after I'm gone. As always, I'm wondering which is better and Tony. It seems cut and dried, like the spouse is sitting there, probably listening, going, duh, take the one where I get money after you die. But let's, at least, for the sake of the conversation, talk about, you know, the pros and cons of both ways. And I think that's what people need to think about when this situation comes up, right? It's not Yes, probably 80% of the time, it probably does make sense to take the spousal continuation, but maybe not always. So let's discuss it. How you doing? Tony Mauro 01:47 I'm doing good. I've been doing good since first year. So getting ready to dwell into tax season. And we do get this question a lot. And you know what I find with tax clients is I find more of the clients that I've talked to, they actually take the higher amount not knowing. They don't read over their paperwork. Very, very well true. And you know, so I find that, you know, make sure you're before you even dwell into this read this paperwork, make sure you understand before you check boxes. And make sure that you get some advice you have any questions on it, yeah, because one can, you know, really devastate you if you pick the wrong one, but you're, you know, in this case, and this is a topic of mine, because as I get a little closer to the end, my wife has worked for the government for it'll be probably 47 years, but she goes, Oh, wow. And so we'll have this choice in our public retirement plan called IPERs, and, you know, so yeah, me, as a spouse, I'm just like you said, you know, let's take the lower amount, because I want to make sure you know that if something happens to you, that I've got this till I die, right? But the nice part about IPERs, in our case in Iowa, is, if I go first and we're at the lower amount, she can actually bump herself back up to the higher amount. Oh, it's rained or her life. So, yeah, you know, that works. But what a lot of people need to take a look at in this and make some decisions and talk to their advisors about is, you know, the very first thing is, what kind of longevity does the covered person, meaning the you know, person that's going to get this benefit, have within their lifetime? And you know, use that, you know, to make this decision, because obviously, you know, the higher payout shifts the risk to the surviving spouse, correct, and you know that that's kind of a risk. And so that's why we kind of titled this, you know, is this reduction or this $600 a month worth it? Because it does act like a little bit of insurance, you know, Speaker 1 03:38 if, yeah, for sure, it's like a little insurance policy and that. And I guess we can skip around a little bit, because that really it's easy for us to walk to that conversation piece, because that's what a lot of people tend to think. They go, Well, why don't I take the bigger amount, the 3500 in this example, and invest that $600 difference, and I'll buy my own life insurance, right? And so that's certainly something that people think, and I in their statistics that show I can probably do better and leave some tax free money, because it'll be in a tax in a life insurance policy. And that's fine, that's totally possible, but you need to run the math first and see, and to your point about longevity, that's going to play into that. Because if you don't really have longevity on your side, and you go that route, you may not live long enough to fund that policy exactly. You may not live long enough, and you may not be healthy enough at 6570, they're even going to issue a policy another, I don't think, you know, 600 a month may not buy you a whole lot at that time, because you might, you know, hey, if you can get the policy, it's gonna be well more than that pending. Tony Mauro 04:35 And, you know, you may not be even insurable. So again, conversation to have, but that is a that's an option, which is why you want to have these conversations, you know, which I think is good Speaker 1 04:47 well, so you think about, Okay, a couple of different things, right? So let's just go with the standard statistics. Male passes first, the females right behind, typically goes, guys pass away first. So a couple things happen, right? So this, this the shift you talked about, the risk. Shifts to the spouse? Well, a couple of things big, big things happen right off the bat. One is you're going to higher tax bracket. You weren't expecting that, right? So you've got that. You're going to lose one social security, so you're going to go to the higher one. So if you don't have this spousal option checked in on, can you survive the lower income hit right? Depending on what your other assets and the other things you have in place. So talk a little bit about some of those things and how you've seen that. So again, this is it's case by case specific. Tony Mauro 05:26 Case by case specific. Is exactly it, because you hit all the topics and it needs to be discussed. Because if you have the assets where none of that you just mentioned, it matters, and you still gonna have plenty of income and everything, well then maybe the higher amount, you know, is a better option for you, but more times than not, in our case, exactly what you said happens, expenses don't drop, income drops, and now all of a sudden you've got higher taxes, more you know, same expenses, less income. And you know, then you've underestimated the impact of all this, and by taking that higher amount, you still may not have enough to cover things, and then all of a sudden the whole retirement plan shifts and changes on you. And, you know, do you really want that? You know? And so that's why I think it needs to be discussed. Yeah. Speaker 1 06:14 And there's a lot of little pieces to that, right? So there's those different pieces. And I think sometimes Tony people kind of fall into that factor of, well, they've heard it forever. Well, they're only going to need half the money coming in when one of us dies anyway, right? So, so we're good any if, even if we did take the bigger amount, because we've got plenty. But half is a misnomer. It's, it's not, it's more like 85% I Tony Mauro 06:36 think it's, yeah, at least that. I don't. People always say that to me. I said I've never seen it happen. Expenses don't drop to half. Everybody that I've I've worked with, I haven't seen one yet at best, yeah, they dropped 10 to 15. I had one case dropped about 20, but not half. And luckily, in his case, everything else he had, it didn't really matter too much, because he was pretty well off. I mean, he had not only social security, but he had a big pension of his own and a big portfolio, you know, things like that. But I think all those other things you need to have the discussion to figure out where this fits in the rest of your overall plan, right? I mean, with everything else, because that's going to really guide you on what to take, well, you know, or which way to Speaker 1 07:19 go, yeah, yeah, for sure. Well, how the pension fits in with the rest of the overall plan, right? I mean, that's really going to be a big key. So this is where, again, why not stress test the situation? If this is on your radar, if you're eligible for our pension, right? If you've got somebody in the in the family that's going to possibly be getting one, go sit down with somebody and say, let's look at the different options. Because Tony, just like Social Security, you well, actually, even worse than Social Security, they typically don't come with colas, and there's no do over there's Tony Mauro 07:45 no do over on this, no. And I think a lot of us, as you get into retirement, I mean, for me personally, I like to, what I value is, I want to make sure that my and my wife's income, you know, it's monthly income, is the way I look at it, is not is going to be the same regardless of who dies first, and the remaining person can be here and have the same income coming in, you know, if one of us is gone. Now, I mean, yes, we've got the nest egg over here that's funding that income, and then Social Security and some other things. But to me that I want more certainty than, you know, a little bit higher monthly amount? Yeah, I mean that, like, say that's just me and for us, you know, I'm gonna assume I'm gonna die first, and if she can go back and get the higher benefit that for her rest of her days, my decisions made already, because, you know, we'll take the lower amount. And if she ends up living me 10 years, well, then she'll she can go back and get that higher amount for all those 10 years, which I think Speaker 1 08:39 is good. And Tony, what if you already have, like, life insurance in place, right? So again, running these numbers because maybe it makes sense to take the higher amount because you don't need it. You've ran the portfolio, you've ran the Social Security maximizations, you've ran all these things, and you guys are going to be sitting pretty without taking the spousal option. Then fine, right? I mean, what else could you do with it? Right? Can you could spend it, I guess, however you want, while the initial person is here, yeah, and depending, life insurance is a big part of it. Now, what I find in reality, Tony Mauro 09:11 most clients, generally don't have the life insurance. Toward the end, they usually have all this term, and it starts to run out about 65 you know. So they're past their their bill paying years and debts, and so they don't have it. But if you do, and have some big permanent policy, you know, say you're out there with, you know, 2, $3 million worth, total of permanent life that you can't outlive, meaning that as long as you pay the premiums, they're going to pay out somebody, and if that goes to the spouse when you kick off early, then you know, you could take that $3 million invest it, and probably, you know, get your 3500 a month. So, yeah, it makes some sense to take a look at Speaker 1 09:47 that as well. Yeah, so we're talking peace of mind versus maximum income. I guess Tony Mauro 09:51 I think at the end of the day, that's really what it is, is peace of mind, knowing that the living spouse is still going to have something I know again I keep talking to. Out my own situation, but I know, in my wife's case, you know, her hyper is going to be fairly large now. I mean, you know, if something happened to her and we took the wrong and we took the one where it ends when she dies, I'm going to be okay, but, boy, I could be a heck of a lot better, you know, if I continued to get that until, until I died, yeah, but yeah, it for me, it's peace of mind over a little bit bigger benefit. I actually had an uncle. He has now passed where he wasn't he chose the wrong one. He didn't even know he did it. And then it happens. That happens a lot, doesn't it? It happens a lot. He went back and tried to fight him on it, saying, oh, you know, no, you got to give me the one that covers my spouse. And they legally, they would not do it. And he lost that case and and then it ended when he died, which is about two years ago, a spouse still living, and he's got nothing. She got no benefit from that. So real life, real life decisions, and it does happen, Speaker 1 10:53 yeah, for sure. Well, look, neither choice is wrong, but it does need to align with the overall values and the reality of whatever your financial situation is this decision is about deciding what kind of protection matters most in your retirement strategy, right? So you got to understand the trade off so that you can find the right answer, right? And I think that's where people make to your point about the uncle, you know, if this is something on the radar, make sure, before you elect or ignore that you run a complete, you know, breakdown and scenario to see what's going to be beneficial. Because I'm quite sure, if you go with the title that we used here, Tony for this episode, would you trade $600 a month to protect your spouse? Your spouse is probably looking at you, going, you're better. Yeah, that's right. So no matter which side it goes, whether it's male, female, whatever, but make sure that you're covering your loved one, but again, do the right thing too, because you could find it could be a better solution to go the other way, but you don't know till you run that math right. Any final Tony Mauro 11:49 thoughts, my friend, no, I would say, as I generally do, this is an important, important decision. And make sure, especially retirees, you know, they're not sure when they read this paperwork. Get advice. You know, if you don't have an advisor, ask one of your children, but, but get with an advisor or somebody before you check the wrong box, Speaker 1 12:07 yeah, and then make a big mistake. So indeed, well, good stuff, good conversation. And again, topical this month with our chats, because Tony's been getting questions about both of the podcasts we dropped this month. And as always, to you know, learn more, stay abreast of things, or just, you know, get some of the information you need, subscribe to the podcast, or at least, consider it, maybe share it with others who might benefit from the message as well. You can find plan with the tax man on all the major podcasting apps. All you got to do is type that into the search box, plan with the tax man, or just go to Tony's website. Your planning pros.com that's your planning pros.com lots of good tools, tips and resources there as well. Get some time on the calendar and all that good stuff. So Tony, thanks for breaking it down and being with us. We always appreciate your time, and we will see you next time here on plan with the tax man, Securities offered through Avantax Investment ServicesSM. Member FINRA, S.I.P.C. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency.
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode of the Real Estate Pros podcast, host Micah Johnson interviews Bruce Jacobs, who is innovating the solar energy space with a subscription-based model that reduces electric costs for homeowners and creates revenue streams for landlords. Bruce discusses the challenges of traditional solar business models and how his company, Terra Energy, is revolutionizing the industry by taking on the financial risks and responsibilities associated with solar installations. The conversation explores the environmental and economic benefits of solar energy, the types of properties that are best suited for solar installations, and how landlords can leverage this model to enhance their property value and tenant retention. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Rental income and operating expenses for low-income housing tax credit (LIHTC) properties have seen significant increases over recent years. On this episode of the Tax Credit Tuesday podcast, Michael Novogradac, CPA, and Novogradac partner Kelly Gorman review the 2025 Novogradac Low-Income Housing Tax Credit Income and Operating Expenses Report, which provides an in-depth look at 2024 rental income, operating expenses and net operating income for LIHTC properties tracked by Novogradac. Novogradac and Gorman provide their perspective on the relationship between rental income and operating expenses, as well as annual and compound annual growth rates. The two then discuss the two largest operating income expenses, which were property insurance and repairs and maintenance, and how to handle those expenses in the underwriting and budgeting process.
Why is the seller selling — and how do you actually make a multifamily deal work in today's market?In this episode of the LSCRE Podcast, Craig McGrouther and Rob Beardsley answer real investor FAQs around LSCRE's newest Houston acquisition, Preserve at Copper Springs, and break down the real mechanics behind underwriting, expenses, insurance, and exits.This is not theory — it's how institutional multifamily deals actually get done.
Zulf breaks down the seven non-negotiable categories of spending that every new business owner must consider, including why high revenue is often a “lie” if you don't understand your net profit. Whether you are setting up your first website or navigating the frustrating world of lazy accountants, this episode provides a realistic roadmap for budgeting your first year. Learn how to calculate your “monthly survival number” and why a safety buffer is the only thing that will truly free you up to be creative in your business.Show Notes: https://trustedcreators.org/s17ep3/0:00 – Introduction to business startup expenses1:27 – Can you start with zero dollars? The honest answer2:25 – Digital infrastructure and website costs3:28 – The hidden reality of accountant fees4:19 – Setting up wages and director salary foundations5:06 – Legal requirements and business insurance types6:13 – Software subscriptions and receipt management tools8:15 – Reality check on gear: Laptop and production needs9:41 – Gross vs Net: Why high revenue can be misleading11:02 – The struggle of finding a proactive accountant13:30 – Preview: Sole Trader vs Limited Company options
In this episode, farmer Dustin LaBat of Specklebelly Farm shares how they're able to pay for their start-of-the-season expenses through plant sales. Subscribe for more content on sustainable farming, market farming tips, and business insights! Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower: Instagram Instagram Listen to other podcasts on the Modern Grower Podcast Network: Carrot Cashflow Farm Small Farm Smart Farm Small Farm Smart Daily The Growing Microgreens Podcast The Urban Farmer Podcast The Rookie Farmer Podcast In Search of Soil Podcast Check out Diego's books: Sell Everything You Grow on Amazon Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
991. Laura answers a listener's question about using a 529 plan versus a Trump Account and reviews which is better for a child's education.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
AM Best Senior Industry Research Analyst Christopher Graham and Associate Analyst Alexander Winant discuss a new Best's Special Report that finds the annual change in the industry's underwriting expense ratio is much less than year-to-year variability in its loss and loss adjustment expense ratio.
Amanda Cruise and Ash Patel interview Darren Smith to explore why industrial real estate became his long-term focus after years in residential investing. Darren shares how flipping and wholesaling hundreds of homes pushed him toward simpler, scalable assets, and why warehouses—with fewer tenants, stronger cash flow, and less operational friction—fit his personality better than multifamily. He breaks down how he finds off-market industrial deals, uses relationship-driven seller financing, and adds value through demising space, rent resets, and creative lease structures like fixed CAM. The conversation also covers real-world headaches, leverage discipline, and why patience and downside stress-testing are critical in today's commercial market. Darren SmithCurrent role: Principal, Solid Growth PropertiesBased in: York, PennsylvaniaSay hi to them at: https://solidgrowthproperties.com/ https://www.facebook.com/solidgrowthproperties https://www.linkedin.com/in/darren-smith-cre-investor/ Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/ Join the Best Ever Community The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria. Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at www.bestevercommunity.com Podcast production done by Outlier Audio Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover how 'counting the cost'—tracking every expense and building a realistic budget—can eliminate financial chaos, slash hidden leaks like housing and transportation costs, and put you firmly on the path to lasting money mastery and freedom.
Join Rob on Karma Stories as he dives into some entertaining tales from the malicious compliance subreddit. From a council worker cycling 60 miles a day due to absurd new policies to a retail manager overwhelming his clueless boss with trestle tables, these stories are sure to make you laugh out loud. Plus, hear about a clever employee who turned a denied expense claim into a financial victory. Don't miss out on these hilarious and satisfying stories of following orders to the letter!
Ella Hubber, Caroline Roper and Tom Lum from 'Let's Learn Everything!' face questions about problematic pictures, identical items and whale wax. LATERAL is a comedy panel game podcast about weird questions with wonderful answers, hosted by Tom Scott. For business enquiries, contestant appearances or question submissions, visit https://lateralcast.com. HOST: Tom Scott. QUESTION PRODUCER: David Bodycombe. EDITED BY: Julie Hassett at The Podcast Studios, Dublin. MUSIC: Karl-Ola Kjellholm ('Private Detective'/'Agrumes', courtesy of epidemicsound.com). ADDITIONAL QUESTIONS: Matthew Sherlip, Selena, Mikael, Meggie, Frank Mutter, Cameron L., Jack Harding, Asher Stuhlman. FORMAT: Pad 26 Limited/Labyrinth Games Ltd. EXECUTIVE PRODUCERS: David Bodycombe and Tom Scott. © Pad 26 Limited (https://www.pad26.com) / Labyrinth Games Ltd. 2026. Learn more about your ad choices. Visit megaphone.fm/adchoices
Tree Fruit Day in Olympia on Wednesday, January 28th is fast approaching and if you haven't signed up yet, now is the time.
SummaryIn this episode of Whistle Talk, host Michael D'Ambrosio welcomes tax expert Jeff Conrad to discuss the intricacies of tax reporting for football officials. They cover topics such as income reporting, the importance of 1099 forms, allowable deductions, self-employment tax, and the significance of meticulous record-keeping. Jeff shares insights on navigating tax season, avoiding common pitfalls, and understanding the implications of hobby loss rules. The conversation emphasizes the need for officials to stay organized and informed as they prepare for the upcoming season and tax obligations.Chapters00:00 Introduction to Whistle Talk03:16 Meet Jeff Conrad: The Tax Expert04:12 Understanding Officiating Income06:48 Navigating 1099s and Tax Reporting10:40 Expenses and Deductions for Officials14:15 Self-Employment Tax and Hobby Loss Rules20:39 Record Keeping and Audit Preparedness27:28 Multiple Sports and Deductions34:54 Home Office Deductions and LLCs39:31 State vs. Federal Tax Considerations40:04 Avoiding Gray Areas in Tax Reporting44:19 Final Thoughts and RecommendationsAbout Jeff ConradProfessional:Tax Partner at FGMK, LLP Licensed attorney and CPA for 30 yearswww.fgmk.comFootball Officiating:- Licensed 38 years- 91 playoff games, including 6 state finals- IHSA Football Clinician 20 years- Illinois - 2023 NFHS Football Official of the Year - Southwest Prairie Conference Football Assigner- Athletic Officials Association - football division president & Executive Board Vice President- Joliet Football Officials Association - Board Member- IACO Football Clinic - Past Chairman- Referee Magazine - 2 articles publishedIn addition, for the last 8 years, I have prepared video based training for all IL associations, and I have assisted Sam Knox with a training video series - Football Focus - you can find on Youtube. I also speak/present at 10 to 12 football clinics each year.
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3418: Sarah Von Bargen shares practical, compassionate advice for navigating financial disagreements in relationships, emphasizing fairness, transparency, and emotional awareness. Learn how to set up simple systems that prevent resentment and foster teamwork, especially when incomes differ or spending priorities clash. Read along with the original article(s) here: https://www.yesandyes.org/2017/02/how-to-argue-about-money.html Quotes to ponder: "It's about the lives we want for ourselves and the things that are important to us." "Having three accounts reduces guilt, resentment, and all those other bad feelings by, like, a million." "Expenses we truly share = expenses we don't bicker about, right?" Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3418: Sarah Von Bargen shares practical, compassionate advice for navigating financial disagreements in relationships, emphasizing fairness, transparency, and emotional awareness. Learn how to set up simple systems that prevent resentment and foster teamwork, especially when incomes differ or spending priorities clash. Read along with the original article(s) here: https://www.yesandyes.org/2017/02/how-to-argue-about-money.html Quotes to ponder: "It's about the lives we want for ourselves and the things that are important to us." "Having three accounts reduces guilt, resentment, and all those other bad feelings by, like, a million." "Expenses we truly share = expenses we don't bicker about, right?" Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3418: Sarah Von Bargen shares practical, compassionate advice for navigating financial disagreements in relationships, emphasizing fairness, transparency, and emotional awareness. Learn how to set up simple systems that prevent resentment and foster teamwork, especially when incomes differ or spending priorities clash. Read along with the original article(s) here: https://www.yesandyes.org/2017/02/how-to-argue-about-money.html Quotes to ponder: "It's about the lives we want for ourselves and the things that are important to us." "Having three accounts reduces guilt, resentment, and all those other bad feelings by, like, a million." "Expenses we truly share = expenses we don't bicker about, right?" Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3416: Marjolein Dilven breaks down the often-overlooked financial downsides of employment, from hidden food and daycare costs to the inflated prices of weekend outings and daily convenience purchases. She offers practical strategies for minimizing these expenses, like meal prepping, shared childcare, and smarter shopping, encouraging listeners to rethink how much they truly earn after factoring in the real costs of working. Read along with the original article(s) here: https://radicalfire.com/costs-of-working/ Quotes to ponder: "Since meals in the office are significantly more expensive compared to making meals at home, you will spend extra money." "If your cost of working is taking too much from your additional salary, you could decide not to take the other job." "You have to spend money to earn money." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3416: Marjolein Dilven breaks down the often-overlooked financial downsides of employment, from hidden food and daycare costs to the inflated prices of weekend outings and daily convenience purchases. She offers practical strategies for minimizing these expenses, like meal prepping, shared childcare, and smarter shopping, encouraging listeners to rethink how much they truly earn after factoring in the real costs of working. Read along with the original article(s) here: https://radicalfire.com/costs-of-working/ Quotes to ponder: "Since meals in the office are significantly more expensive compared to making meals at home, you will spend extra money." "If your cost of working is taking too much from your additional salary, you could decide not to take the other job." "You have to spend money to earn money." Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3415: Marjolein Dilven reveals the hidden financial drain of maintaining a job, from commuting expenses to wardrobe updates and higher taxes. By unpacking both direct and indirect work-related costs, she empowers readers to rethink their true take-home pay and consider the potential savings in early retirement. Read along with the original article(s) here: https://radicalfire.com/costs-of-working/ Quotes to ponder: "You're probably spending more money on work than you realize." "When you stop working, most of the taxes will go away." "Dressing for success also costs us a significant amount of money each month." Learn more about your ad choices. Visit megaphone.fm/adchoices
Just one question this week and it’s massive! If we’re halfway through the fiscal year and we’re not going to come anywhere close to hitting our revenue targets, how should the board go about cutting expenses? Yikes! Stacey and Andy get to the bottom of it, but it took the whole episode. Happy New Year, thanks for listening and supporting us with your questions. We look forward to answering even more in 2026. P.S. Questions@NonprofitEverything.com is the email address. Topics: We had a bad year and the board needs help deciding what expenses to cut. Help! – skip to this question Mentioned this week: Review us on Apple Podcasts! Review us on Spotify! Review us on Podchaser! Hang out with us on Discord! Ask us a question Sponsor the podcast
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3415: Marjolein Dilven reveals the hidden financial drain of maintaining a job, from commuting expenses to wardrobe updates and higher taxes. By unpacking both direct and indirect work-related costs, she empowers readers to rethink their true take-home pay and consider the potential savings in early retirement. Read along with the original article(s) here: https://radicalfire.com/costs-of-working/ Quotes to ponder: "You're probably spending more money on work than you realize." "When you stop working, most of the taxes will go away." "Dressing for success also costs us a significant amount of money each month." Learn more about your ad choices. Visit megaphone.fm/adchoices
Tzvika Graiver is the co-founder and CEO of RoboChute, the company reinventing how buildings manage trash chutes using smart, autonomous robots. With a background in law and a deep commitment to environmental innovation, Tzvika brings a unique blend of strategic insight and operational grit to the built world. RoboChute's system proactively cleans, monitors, and extends the life of garbage chutes—already delivering healthier air and lower costs in buildings across Israel. Tzvika is also the longtime Chairman of KeepOlim, a nonprofit supporting new immigrants in Israel through business development and community advocacy. Whether launching robotics or empowering new communities, he's focused on building smarter, more inclusive buildings and cities from the inside out.(01:35) The Problem with Garbage Chutes(05:46) Cost & Maintenance of Garbage Chutes(07:49) VC on hardware vs. software(12:06) Challenges & Opportunities in Robotics(21:16) Future of Real Estate & Robotics(24:02) Feature: Blueprint - The Future of Real Estate - Register for 2026: The Premier Event for Industry Executives, Real Estate & Construction Tech Startups and VC's, at The Venetian, Las Vegas on September 22nd-24th, 2026. As a friend of Tangent, you can save $300 on your All-Access pass(24:51) Robots in Real Estate Operations(25:16) The Importance of Building Automation(27:06) Innovative Solutions for Waste Management(28:23) The Role of AI in Building Management(32:03) The Rise & Fall of Roomba / iRobot & Amazon's Blocked Acquisition(35:14) Competition with Chinese Manufacturers(42:22) Collaboration Superpower: Hannah Szenes (Wiki) & Lucius Tarquinius Priscus (Wiki)
Expenses in business are as certain the sunrise, yet both my guest today and me meet prospective clients all the time who don't seem to have a handle on them. If you don't, problems are coming. Planning expenses is a natural requirement of any successful practice, and my guest today helps her clients do just that.Michelle O'Connor, a believer in following one's dreams, has risen from an inner-city community to a life of abundance. With corporate expertise in Strategic Planning and Execution, she helps entrepreneurs achieve their goals. Michelle supports organizations through strategic processes, coaching entrepreneurs to develop action plans for success. She has facilitated Strategic Planning Retreats in Jamaica, Trinidad & Tobago, and the Dominican Republic, and reached hundreds through her Purpose Driven Conference. Her current mission is to help Medical Private Practice Owners create sustainable practices. As a wife and mother, she strives for a brighter future, motivated by the philosophy “Ad Astra Per Aspera.”In this episode Carl White and Michelle O'Connor discuss:1. Why practice owners fail to plan for expenses2. Why it is important to monitor expenses3. What if expenses are more than revenueWant to be a guest on PracticeCare®?Have an experience with a business issue you think others will benefit from? Come on PracticeCare® and tell the world! Here's the link where you can get the process started.Connect with Michelle O'ConnorLinkedIn - https://www.linkedin.com/in/michelletoconnor/Facebook - https://www.facebook.com/successbiznessclubInstagram - https://www.instagram.com/successbiznessclub/Connect with Carl WhiteWebsite: http://www.marketvisorygroup.comEmail: whitec@marketvisorygroup.comFacebook: https://www.facebook.com/marketvisorygroupYouTube: https://www.youtube.com/channel/UCD9BLCu_i2ezBj1ktUHVmigLinkedIn: http://www.linkedin.com/in/healthcaremktg
Sleep Calming and Relaxing ASMR Thunder Rain Podcast for Studying, Meditation and Focus
Episode Title: Thunder and Rain: Nature's TherapyDescription:In this episode, we dive into the soothing power of thunder and rain as a form of natural therapy. Discover how these calming sounds can help reduce stress, improve focus, and promote restful sleep. We also share tips on how to use thunderstorm and rain sounds in your daily relaxation practices, making it easier to find peace amid a busy day.Take a moment for yourself today—let the gentle patter of rain and distant rumble of thunder guide you toward a calmer mind and a more relaxed body.Join us next time as we continue exploring simple ways to bring more tranquility into your life.DISCLAIMER
If you're stepping into 2026 determined to improve your cash flow, protect your rentals, and scale smarter, this episode is for you. We're kicking off the year by talking about the real opportunities available for landlords in 2026 — and the roadblocks that keep so many people stuck. Before you make another move, you need clarity on what's holding your portfolio back and how to break through it this year. Inside this episode, I'm sharing three simple but powerful ways to cut your expenses as a landlord — strategies most investors overlook, even though they can save hundreds (and sometimes thousands) each year: • How smart thermostats and routine HVAC servicing prevent expensive repairs • Why an annual insurance review is non-negotiable — and how raising your deductible can reduce premiums • How disciplined landlords can manage property taxes through a high-yield savings account • why hiring a real-estate-friendly CPA is one of the most profitable decisions you can make in 2026 These changes aren't flashy — but they are transformative. This is how you protect your cash flow, strengthen your rentals, and scale with confidence this year. And if you're ready to remove the roadblocks that have been holding you back, make sure you're registered for my free January webinar: ✨ REGISTER FOR MY FREE CLASS The Biggest Roadblocks Keeping Landlords From Scaling — and How to Fix It January 20, 2026 at 7PM ET via Zoom https://owningitandlivingit.com/landlord/ Come to my Conference!✨ Early Bird for The OILI Experience 2026 is now open. Grab your ticket before the prices increase! https://experience.owningitandlivingit.com Book a Call to Work With Me in 2026!✨ Would you like to work with me this year? Book a call with me! https://calendar.app.google/NMFNL2CYYPMP1FZn7 FOLLOW FOR MORE: YouTube for long-form episodes + IG for daily reinvention content. https://www.instagram.com/erikabrowninvestor/
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3409: Amanda Brownlow shares the practical and personal journey she and her husband took to slash nearly $1,000 from their monthly spending, despite starting off with no budgeting experience. By swapping luxury for value, like ditching cable, using cash envelopes, and mastering couponing, they transformed their finances with sustainable habits anyone can replicate. Read along with the original article(s) here: https://hellobrownlow.com/2016/03/20/how-we-began-to-slash-our-budget/ Quotes to ponder: "Cash is tangible and it's harder for me to let go of than running my magic swipey card through the register." "The process is hard at first, but when you get the hang of looking at your entire paycheck down to the very last cent, you get to see exactly where all your money goes." "I started to shop less and less for things that I didn't really need like that new eye shadow pallet or a new pair of shoes that I won't even wear." Episode references: The Total Money Makeover: https://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/0785289089 Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3409: Amanda Brownlow shares the practical and personal journey she and her husband took to slash nearly $1,000 from their monthly spending, despite starting off with no budgeting experience. By swapping luxury for value, like ditching cable, using cash envelopes, and mastering couponing, they transformed their finances with sustainable habits anyone can replicate. Read along with the original article(s) here: https://hellobrownlow.com/2016/03/20/how-we-began-to-slash-our-budget/ Quotes to ponder: "Cash is tangible and it's harder for me to let go of than running my magic swipey card through the register." "The process is hard at first, but when you get the hang of looking at your entire paycheck down to the very last cent, you get to see exactly where all your money goes." "I started to shop less and less for things that I didn't really need like that new eye shadow pallet or a new pair of shoes that I won't even wear." Episode references: The Total Money Makeover: https://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/0785289089 Learn more about your ad choices. Visit megaphone.fm/adchoices
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.
We draft our favorite Christmas movies and discuss Christmas gift expenses. Plus, Jackson Dean stops by the studio and we talk about sharing secrets from friends with our spouses.See omnystudio.com/listener for privacy information.
What if the real problem isn't your work ethic? What if it's that nobody ever taught you how to run a profitable business? You went into business to make a difference. To take care of your family. To build something that matters. But somewhere along the way, the dream turned into a grind. You're exhausted, stretched thin, and wondering why success still feels so far away. Sound familiar? Neeka Williams felt the same way. As the practice administrator for a urology company, she was doing all the "right" things—showing up every day, solving problems, keeping the wheels turning. But she kept asking herself: There has to be more to this, right? In this episode, Brandon sits down with Neeka to talk about her year inside the Profit Planning Network. This isn't a story about magic formulas or overnight wins. It's about finally having a framework that fits who you actually are—and a community that keeps you accountable to your own goals. You'll discover: Why most business advice fails entrepreneurs who think differently (and what to do instead) How understanding your "financial archetype" can change the way you plan, save, and grow The one shift that let Neeka walk away from her business for a full week—without anything falling apart Why emotions in business aren't a weakness, but actually a guide to your next move What happens when you stop being embarrassed about needing help and start treating business like the skill it is Key Quote: "People don't go into business to fail. You go into business to be profitable, to make a positive impact, to pass on a legacy. You just don't know how—and what Wall Street says and what the business gurus say hasn't been working." — Neeka Williams If you've been feeling like you're running on a hamster wheel and wondering when it gets easier, this conversation is for you. Resources mentioned: Find Your Flow Quiz — 10 questions to discover your financial personality Financial Nervous System Diagnostic — A deeper 54-question assessment Profit Planning Network 2026 — Join our community of business owners building profitability and wealth Urology Consultants, Inc. — Neeka's practice (and a reminder for the guys to get checked!) 00:00 Welcome to Wealth Wisdom Financial Podcast 01:01 Introducing Neeka Williams and Her Journey 01:41 Joining Profit Planning Network 04:35 Experiences and Insights from PPN 13:12 The Role of AI in Business 19:11 Understanding Emotions in Business 20:36 The Importance of Reflecting on Feelings 21:59 Who is PPN For? 23:08 Balancing Sales and Expenses 25:15 The Value of Certification and Experience 28:48 The Role of Profit Planning 32:11 Encouraging Regular Health Check-ups 34:29 Final Thoughts and Enrollment Information Watch on YouTube: https://youtu.be/cDBONHEVILA
Law Firm Client Expenses Should NOT Hit Your P&L If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.
It's Tuesday, December 16th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Chinese Communists arrested 18 pastors over evangelism online Chinese Pastor Ezra Jin and 17 other pastors have been arrested by Chinese Communist authorities on charges of using illegal information networks. Translation? Putting the Gospel message on Zoom is now illegal in China. The pastors are facing three years in prison. A pastor's wife described the situation on the Christian Broadcasting Network. WIFE: “China opened the door for the Western society and then grow their economy. I grew up from that period of time. So, I thought we weren't gonna be put in jail because of our Christianity or our faith.” Chinese officials convicted liberty advocate Jimmy Lai Not surprisingly, those Chinese communists have convicted Hong Kong's pro-liberty advocate, Jimmy Lai, with conspiracy to collude with foreign forces. It's a charge that could put him in prison for life. This was the highest profile case since Hong Kong was turned over to the communists in 1997, and Hong Kong's democratic elections halted in 2020. China to eliminate out-of-pocket expenses for childbirth China is planning to eliminate all out-of-pocket medical costs for childbirth with the hopes of encouraging more births. China's fertility rate is dismal, hovering around 1.0. In fact, Chinese deaths have outnumbered births for three years in a row now. The countries with the lowest fertility rates in the world are Hong Kong, China, Taiwan, South Korea, Singapore, Ukraine, and Chile. Two Muslim men killed 16 Jews in Sydney, Australia On Sunday, two Muslim men, a father and son, have been identified as suspects in the killings of 16 people at a Jewish celebration of Hannukah in Sydney, Australia on Bondi Beach, reports the Associated Press. That's the worst mass shooting in Australia since the Port Arthur massacre of 1996 where 35 people were killed and 23 were injured. Providentially, a bystander of Muslim background, 43-year-old Syrian fruit shop owner, Ahmed Al-Ahmed, happened on the scene. He tackled and disarmed one of the gunmen during the deadly massacre, preventing further carnage. Ahmed was shot in the shoulder and arm while hiding behind a tree after confronting the gunman. Australia's Prime Minister Anthony Albanese is promising “tougher gun laws” in response. Actor Rob Reiner and wife allegedly killed by son Director and actor Rob Reiner and his wife Michele were found dead Sunday, apparent victims of foul play at their home in Los Angeles, reports The L.A. Times. Sadly, Rob Reiner was an atheist, as was his father, Carl Reiner — another famous movie director. Rob Reiner will be best remembered in the political realm for his leftist views, especially in his opposition to California's Proposition 8, and efforts to introduce homosexual marriage to the state and the country. At last report, Rob and Michele's son Nick, age 32, has been taken into custody by the Los Angeles Police Department, charged with the murder of his parents. He has a long history of drug addiction. Exodus 21:15 speaks to this sort of crime, as do Jesus's words in Matthew 15:4: “And he who strikes his father or his mother shall surely be put to death.” Little Sisters of the Poor vs. Obamacare continues After 14 years, Little Sisters of the Poor, comprised of Roman Catholic nuns, continues to object to the Obamacare mandate to provide coverage for abortifacients for their organization. Back on July 8, 2020, the Supreme Court ruled 7–2 in favor of the Little Sisters, upholding federal rules that exempted religious organizations from the contraceptive mandate. But now, Pennsylvania and New Jersey have refused to drop their efforts to take away the Little Sisters' protection in the lower courts. Last August, a rogue federal district court in Philadelphia ruled against the Little Sisters and vacated the religious exemption rules that had protected them. The case is in appeal to the Third Circuit Court. Bill Clinton unresponsive to Congressional subpoena over Epstein GOP House Oversight Committee Chairman James Comer announced he will initiate contempt of Congress proceedings against Bill and Hillary Clinton. At issue is the Clintons' decision to ignore the committee's subpoenas issued back in August, in relation to investigations of the Jeffrey Epstein sex trafficking scandal. Epstein visited the White House 17 times in 1993 after Bill Clinton's inauguration. Artificial Intelligence: Time Magazine's “Person of the Year” Time Magazine's Person of the Year goes to Artificial Intelligence or rather, the architects of AI. Spending on Artificial Intelligence development has increased from $40 billion to $400 billion in just the last ten years. Nvidia's stock has increased 60-fold, while Microsoft and Alphabet, Inc. have increased 7-fold over the same timeframe. Kirk Cameron advocates unbiblical theology of annihilationism Actor and Christian celebrity Kirk Cameron suggested in his recent podcast that hell is not forever — a departure from the long-held position of an eternal punishment for those who do not trust Christ, reports The Christian Post. CAMERON: “Eternal judgment or eternal punishment doesn't necessarily mean that we are being tormented and punished forever and ever, every moment for eternity. It means that the punishment we deserve is irreversible. It's permanent; it's eternal. You're dead. You've been destroyed. You have perished. You're gone, and you're never coming back.” This theological position is called annihilationism, a belief that all damned humans and fallen angels – including demons and Satan -- will be totally destroyed and their consciousness extinguished. CAMERON: “I actually think this is a really good argument for annihilationism. Just because the righteous go to eternal life, which is the gift of God, not that the wicked are granted an eternity of punishment. The punishment of the wicked is final. It is irreversible.” Rev. Al Mohler, President of Southern Baptist Theological Seminary in Louisville, Kentucky, called the admission “sad.” And in his words: “The admonition to confess Christ or risk non-existence just doesn't pass the New Testament test, and there is a good reason it doesn't work in a sermon either. The stakes are just too low, and the fires of hell hold no eternal consequence.” At the final judgment, as recorded in Matthew 25: 41-43, Jesus said to those on His left hand: “Depart from Me, you cursed, into the everlasting fire prepared for the devil and his angels: for I was hungry and you gave Me no food; I was thirsty and you gave Me no drink; I was a stranger and you did not take Me in, naked and you did not clothe Me, sick and in prison and you did not visit Me.' … And these will go away into everlasting punishment, but the righteous into eternal life.” Imprisoned fathers reunited with daughters at dance And finally, the “God Behind Bars” organization links local churches to prisons, and reunites families, especially children with their incarcerated parents or grandparents. This Christmas season, the organization sponsored its first Father-Daughter Dance at the Angola Louisiana State Penitentiary. Twenty-nine fathers were reunited with their daughters that night, many of whom had not seen their daughters for years — some over a decade. The ministry calls these events "moments of restoration … and the Gospel in motion." Close And that's The Worldview on this Tuesday, December 16th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.
© 2020-2026 Ivy Podcast Discovery LLC
