Podcasts about fees

In this 2025 Year-End Investment Portfolio Review we cover the following topics:1. Asset Allocation    a. Diversification / changes    b. Rebalancing2. Simplification3. Beneficiaries4. Performance5. Tax Loss or Gain Harvesting6. Fees    a. Fund fees    b. Advisor fees7. Evaluate Your Performance    a. Did you buy/sell anything    b. What worried you during the yearJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

Clients often don't fully realize the depth of value their advisory team provides—unless that value is clearly articulated and demonstrated throughout the year. This episode explores how a thoughtfully designed client service calendar can both strengthen client retention and increase new client conversions by making financial planning and tax strategy more visible and tangible. Debra Taylor serves as Managing Partner of Carson Wealth Franklin Lakes, a practice within the RIA Carson Wealth that manages $500 million in AUM for 120 client households. Listen in as Debra shares how she built a seasonal client service calendar to clearly communicate her team's year-round value, from tax letters and Roth conversion planning to estate strategy and investment deep dives. You'll hear how placing tax and distribution planning at the center of the client experience has generated measurable savings for her clients, how video explanations and structured service delivery reduce pressure during meetings, and how the calendar itself strengthens retention by helping clients see exactly what they're paying for. For show notes and more visit: https://www.kitces.com/470

While pollock might be obscure saltwater fish, they have plenty of cold-braving devotees, one of which is my good friend Jim Fee, the editor of Cape Cod-based “On The Water” Magazine. So, if you're looking for a salty adventure this off-season, Fee lays out everything you need to know about these cousins of the cod that aren't short on rod-bending muscle. Hosted by Outdoor Life fishing editor Joe Cermele. Edited by Mike Pedersen / Eighty Five Audio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Monday's show, we discuss current global events, including developments in Israel, Ukraine, China/ Taiwan, and Venezuela with Marc Schulman, Founder and Publisher of HistoryCentral.com. We visit with American Institute for Economic Research Senior Editor Jon Miltimore about a 1980's facial-scar experiment and how it illustrates the victim mentality and discrimination today. We also visit with author Jim McTague about DOGE and the Democrat party. We have terrific guests for tomorrow's show, including Florida State Senator Kathleen Passidomo, Maggie Anders from FEE.org, Boo Mortenson, and Linda Harden. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

Mark Fee

Unlocking the Mysteries of Property Law: A Deep Dive into Estates and Future InterestsThis conversation provides an in-depth exploration of property law, focusing on the complexities of estates, future interests, co-ownership, landlord-tenant relationships, and zoning regulations. The discussion emphasizes the precision required in property law and offers practical insights for law students preparing for exams. Key concepts such as the rule against perpetuities, adverse possession, and the evolution of landlord-tenant law are thoroughly examined, providing a comprehensive guide for understanding this challenging subject.Property law is often seen as one of the most daunting subjects in law school, with its roots deeply embedded in historical doctrines and complex terminologies. This blog post aims to demystify the intricate world of estates and future interests, providing a structured guide for students and enthusiasts alike.Understanding the Basics: At the heart of property law lies the concept of ownership and the various interests that can be held in property. The journey begins with possessory estates, where the duration of ownership is defined. The fee simple absolute, for instance, represents the pinnacle of ownership, granting the holder the power to use, abuse, and transfer the property freely.The Language of Estates: The precision required in property law is unparalleled. A single word can determine whether an estate lasts forever or terminates automatically. Understanding the language of estates, such as the difference between a possibility of reverter and a shifting executory interest, is crucial for success.Future Interests: Future interests are not mere hopes of ownership; they are present rights with future possession. The distinction between vested and contingent remainders is pivotal. A vested remainder is a sure thing, while a contingent remainder hangs by a thread, dependent on certain conditions being met.The Rule Against Perpetuities: The infamous Rule Against Perpetuities (RAP) is designed to prevent the control of property from beyond the grave. It ensures that interests vest within a certain time frame, maintaining the marketability of land.Mastering property law requires precision and classification. By understanding the historical roots and modern applications of these doctrines, students can navigate the complexities of property law with confidence. As you prepare for exams, remember that the key to success lies in the details.Subscribe now to stay updated with more insights into the world of law.TakeawaysProperty law is defined by brutal precision.Understanding the language of estates is crucial.Fee simple absolute is the highest form of ownership.Life estates are non-inheritable and measured by life.Joint tenancy includes the right of survivorship.Remainders must follow a prior estate without gaps.The rule against perpetuities prevents remote vesting.Adverse possession rewards long-term use of property.Landlord-tenant law has evolved to protect tenants.Zoning regulations can impact property value.property law, estates, future interests, landlord-tenant, co-ownership, easements, zoning, adverse possession, rule against perpetuities, legal concepts

Now that Christmas presents are unwrapped, many of you — you know who you are — will head to stores to return gifts and get what you actually want. But increasingly, retailers are charging for those returns. Then, a couple of months ago, more than 5 million shoppers embraced a boycott of three major retailers: Amazon, Home Depot, and Target. From "This Is Uncomfortable," we'll learn about the impact it had on shoppers.

Now that Christmas presents are unwrapped, many of you — you know who you are — will head to stores to return gifts and get what you actually want. But increasingly, retailers are charging for those returns. Then, a couple of months ago, more than 5 million shoppers embraced a boycott of three major retailers: Amazon, Home Depot, and Target. From "This Is Uncomfortable," we'll learn about the impact it had on shoppers.

Grab our breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcost?utm_source=TJJan032025If you liked this video, but want to learn about franchises with higher profit margins check out this video next: https://youtu.be/voDIBiM58awThinking about investing in a Culver's franchise? In this breakdown, I cover startup costs, royalty fees, average sales, and why it might not be as profitable as it looks. We'll also talk about scalability, margins, and whether it's a smart move going into 2026. You'll also learn more about the brand's history and how it has grown so quickly in some parts of the US. Make sure you watch before you invest!------------------Considering Investing In A Franchise?

On this episode of the Jered William's show the hosts 9 strategies for rapidly growing a plumbing business. The first is implementing a simple membership program with benefits like discounts and priority scheduling. Next, they cover optimizing pricing and developing a comprehensive price book, focusing on margin-based pricing to hit desired profit targets. Leveraging business management software like ServiceTitan is highlighted as crucial for streamlining operations and gaining data-driven insights. Improving technicians' billable efficiency, utilizing upsells/downsells/cross-sells, and streamlining processes emerged as other key topics. Incentivizing technicians through commission structures, enhancing the customer experience, and continuously seeking improvement and guidance were also discussed as important drivers of fast, profitable growth. Overall, the conversation centered around optimizing the entire business model to maximize profitability rather than just chasing top-line revenue.

What if your practice is profitable on paper—but bleeding money behind the scenes? In this final episode of 2025, Dr. Len Tau welcomes Dana Moss, founder of PPO Dental Consulting, for a deep dive into the realities of dental insurance and PPO strategy. Dana breaks down how dental practices can increase profitability without sacrificing patient-centered care by negotiating smarter, streamlining fee schedules, and knowing when—and how—to strategically exit low-paying plans. Drawing from years of hands-on experience as a front office coordinator, insurance specialist, and practice administrator, Dana shares what most practices get wrong about insurance and how to fix it. You'll learn why billing office fees correctly is non-negotiable, how getting to the 80th percentile can dramatically change your negotiating power, and when outsourcing insurance coordination makes more sense than handling it in-house. Dana also explains umbrella plans, negotiation timelines, and why organization is the single biggest factor in PPO success. This episode is packed with actionable insights for startups, mid-career dentists, and practice owners preparing for growth—or an eventual sale.   What You'll Learn The two non-negotiables practices must fix before negotiating PPO fees Why billing office fees changes your profitability picture How the 80th percentile impacts insurance negotiations When to renegotiate—and when not to The pros and cons of DIY vs outsourced PPO negotiation How smarter insurance systems lead to stronger cash flow   Key Takeaways 00:44 Welcome, Sponsors & Final Episode of 2025 02:07 Meet Dana Moss & Her Background in Dental Insurance 03:40 Who Dana Helps Most: Startups, Growing Practices & Sellers 08:01 Preparing to Negotiate PPO Fees the Right Way 10:30 The Two Non-Negotiables: Billing Office Fees & Fee Balancing 14:30 PPO vs Fee-for-Service Philosophies Explained 15:29 How Often You Can Renegotiate Insurance Fees 16:20 DIY PPO Negotiation vs Outsourcing: Pros & Cons 18:07 Using Your Top Procedure Codes Strategically 20:40 Dropping Low-Paying Plans & Understanding Umbrella Networks 26:39 Training Insurance Coordinators for Clean Claims & Strong AR 29:13 AI, Remote Teams & the Future of Revenue Cycle Management 31:00 Life on the Road: Dana's Full-Time RV Lifestyle 33:20 Lightning Round Q&A with Dana 36:50 How to Work With Dana + DIY Negotiation Kit Offer 37:40 Closing Thoughts, Sponsors & Event Reminder   Connect with Dana Dana Moss Founder, PPO Dental Consulting

What if your 401(k) isn't really your money? In this episode, we break down Willie Sutton's Law and expose how government-controlled retirement plans quietly limit your freedom, liquidity, and control over your wealth. Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1 Get the book: https://www.farmingwithoutthebank.com/book/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-top In WTB Episode 249, we continue our Becoming Your Own Banker chapter review, diving deep into Willie Sutton's Law: "Wherever wealth is accumulated, someone will try to steal it." This episode challenges conventional thinking around 401(k)s, IRAs, Roth limits, and tax-deferred retirement plans. We unpack how taxation works, why qualified plans were created, and how government incentives quietly shape your financial behavior — often at your expense. We also discuss the historical role of churches vs. government welfare, the dangers of inaccessible retirement savings, and why many people feel "broke" while technically having money they can't touch. Key Takeaways: Why tax-deferred retirement plans come with hidden control and risk How Willie Sutton's Law applies directly to 401(k)s and IRAs The real reason Roth IRAs are limited and capped Why tax refunds are NOT a win How lack of liquidity keeps people financially stressed Why responsibility—not government—is the key to financial freedom Chapters: (00:00) – Is the Government Your Savings Account? (05:50) – Willie Sutton's Law & Government Taxation (10:37) – Qualified Plans & Changing the Rules (15:38) – Roth IRAs, 401(k)s, and Control (20:55) – Liquidity Problems & Opportunity Cost (25:07) – Tax Refunds Explained (30:08) – A Private Solution Outside Government Control Grab your copy of Becoming Your Own Banker and follow along with us https://www.withoutthebank.com/product/becoming-your-own-banker/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-bot1 Drop your questions or comments — we read them. Like, subscribe, and share if this episode made you rethink retirement Links Mentioned: Becoming Your Own Banker by Nelson Nash: https://www.withoutthebank.com/product/becoming-your-own-banker/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-bot2 Austrian Economics & Mises Institute: https://mises.org/austrian-school/austrian-economics-overview FEE.org (Foundation for Economic Education): https://fee.org/

Bowen Yang's abrupt exit from SNL left fans with lots of questions! Find out why the comedian really left! RHOSLC star Meredith Marks wants HOW MUCH to appear at an event for LGBTQ?! Plus, I went viral for not knowing about the Rosetta Stone, as the Internet drags me for being dumb. And it's Christmas Eve! Which means it's time for a new Christmas RANT!    Give the gift of confidence this holiday season with Nutrafol. Get $10 off your first month's subscription plus free shipping when you go to https://nutrafol.com/ and use promo code NOFILTER.    The best way to cook just got better. Go to https://www.HelloFresh.com/NOFILTER10FM now to Get 10 Free Meals + a Free breakfast for Life!    Become a Member of No Filter: ALL ACCESS: https://allaccess.supercast.com/    Shop New Merch now: https://merchlabs.com/collections/zack-peter?srsltid=AfmBOoqqnV3kfsOYPubFFxCQdpCuGjVgssGIXZRXHcLPH9t4GjiKoaio    Watch Disaster Daters: https://open.spotify.com/show/3L4GLnKwz9Uy5dT8Ey1VPi   Book a personalized message on Cameo: https://v.cameo.com/e/QxWQhpd1TIbare 

Law Firm Owners! Paying Another Attorney Isn't Fee Splitting. If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

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On today's podcast:1) The US Justice Department released another tranche of files related to Jeffrey Epstein, including some that add fresh pressure on President Trump over his past relationship with the late, disgraced financier. The trove includes thousands of additional pages of material related to investigations of Epstein, including a 2020 email from a prosecutor that contains new detail about Trump’s trips on Epstein’s private jet in the 1990s, which the president has said never took place. There are also fresh details on Epstein’s relationships with financial firms and figures.2) The US Supreme Court has refused to let President Trump start deploying National Guard troops in Chicago, dealing a setback to his drive to use the military in liberal cities across the country. Rejecting a Trump request in a 6-3 decision, the court on Tuesday left in force a judge’s ruling that has blocked the deployment since Oct. 9. The president wanted to use hundreds of troops to aid immigration enforcement in the third-largest US city. The court said the legal provision Trump sought to invoke probably doesn’t permit deployment of the National Guard in situations where the president wouldn’t have authority to send in active-duty military. The court said that under federal law, the president can deploy the armed forces to help execute the laws only in “exceptional” circumstances.3) A federal judge says the Trump administration can move ahead with a $100,000 fee on new H-1B visa applications, providing a setback for US technology companies that rely on hiring skilled foreign workers. US District Judge Beryl Howell said in a ruling Tuesday that President Trump’s move to radically increase the cost of the popular visa is lawful. The decision provides a boost to the administration’s campaign to restrict immigration and push demand for US workers. The U.S. Chamber of Commerce, which sued to block the proposal, can appeal. Howell rejected the Chamber’s argument that the president doesn’t have the power to impose the fee, finding that his proclamation was issued under “an express statutory grant of authority to the President.”See omnystudio.com/listener for privacy information.

Sign up to Revolut Business at https://www.revolut.com/rb/james/ before 31st December 2025 and add money to your account to receive a £200 welcome bonus. Fees, Promotion terms and Business T&Cs apply.Reflecting on 2025 with JB and setting our goals for 2026. Try Entrepreneurs University 14 Day FREE Trial Here ►https://jamessinclair.net/entrepreneurs-university-free-trial/Sign up to my weekly newsletter 'The James Sinclair Letter' here:https://www.jamessinclair.net/the-letterFind out your Entreprenurial DNA, take the '8 Traits of the Greats' quiz here ► https://jamessinclair.scoreapp.comGet your tickets to our next event here ► https://www.jamessinclair.net/eventsApply to be on my podcast here ►https://jamessinclair.net/podcasts/

Chief and Kevin start off about why on the Holidays does crime happens? Then talk about the City budget and fee collection. AI advantages and disadvantages. Then into the Bears success and ending on Economy and price Oil.

Matt Brown sits down with Dr. Tom Orent (The Gems Guy) to discuss his journey from PPOs to a successful fee-for-service dental practice. Dr. Orent shares what sparked the transition, how to improve patient flow and case acceptance, and why clear communication and mindset are critical during change. A concise, practical conversation for dentists looking to build a more profitable and fulfilling practice.Click here to join our free study club! https://chat.whatsapp.com/H746zQhOps161RNOv5Meut?mode=hqrt3

A major storm is heading for SoCal sparking evacuation warnings near recent burn areas. Plus, roads are closing down, and sandbags are being handed out. We'll tell you how to prepare for the worst. And police are struggling to take on street racing and takeovers. Plus, more from Morning Edition. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency!Support the show: https://laist.com

Dec. 23, 2025- A new fee from the state Thruway Authority that is scheduled for 2026 is getting pushback from the commercial interests that use New York's super-highway system. We talk about the charge with Darrin Roth, vice president of highway policy with the American Trucking Associations.

Nearly 100 million UNI votes already support Uniswap's UNIfication proposal ahead of the Christmas Day deadline. The plan activates protocol fees, launches a 100M UNI retroactive burn, and redirects Unichain sequencer revenue. Uniswap Labs and the Foundation would unify operations, shifting focus to protocol growth over interface monetization.~This episode is sponsored by BTCC~BTCC 10% Deposit Bonus! ➜ https://bit.ly/PBNBTCC00:00 intro00:05 Sponsor: BTCC00:43 We Called It01:20 Christmas Vote Deadline02:05 Odds of Passing02:19 Volume Skyrocketing02:33 $4 Trillion in volume02:49 Top ETH App03:21 Matt Hougan: Institutions Will Love $UNI04:25 Less Employees Than Coinbase05:01 Bank Onramp Into Uniswap05:58 Uniswap Fees vs Other Wallets06:17 Aerodrome vs Uniswap06:38 SOL, XRP, and ADA Coming to Uniswap06:54 Charles Hoskinson: Uniswap vs Cardano Apps07:12 Liquidity & Distribution is King07:28 Cathie Wood Can't Understand It07:40 Institutional Exposure To $UNI08:03 CLARITY Act will most benefit $UNI08:18 DeFi Season 2.0 Potential08:49 Uniswap a Buy?09:13 outro#Crypto #Ethereum #Uniswap~Uniswap Historic Vote & Burn in Two Days!!

Show Notes:00:00 Opening and self-introduction01:23 The development history of Layer 004:37 Market competition and partners06:47 Investment and market dynamics09:26 Future outlook and strategic direction16:33 The relationship between capital and the “interstellar arena”19:10 Challenges of consolidation and the management environment21:22 The impact of STG and market changes24:05 Voting mechanisms and team participation26:57 Buyback plans and use of funds29:36 The development and future outlook of Layer 032:37 Comparison the experience working with PayPal and Plasma35:45 Future challenges and opportunities If you like this episode, you're welcome to tip with Ethereum / Solana / Bitcoin:如果喜欢本作品，欢迎打赏ETH/SOL/BTC：ETH: 0x83Fe9765a57C9bA36700b983Af33FD3c9920Ef20SOL: AaCeeEX5xBH6QchuRaUj3CEHED8vv5bUizxUpMsr1KytBTC: 3ACPRhHVbh3cu8zqtqSPpzNnNULbZwaNqG Important Disclaimer: All opinions expressed by Mable Jiang, or other podcast guests, are solely their opinion. This podcast is for informational purposes only and should not be construed as investment advice. Mable Jiang may hold positions in some of the projects discussed on this show. 重要声明：Mable Jiang或嘉宾在播客中的观点仅代表他们的个人看法。此播客仅用于提供信息，不作为投资参考。Mable Jiang有时可能会在此节目中讨论的某项目中持有头寸。

In this episode, I sit down with Kevin Hegedus, Certified Financial Planner and founding partner of PWM Private Wealth Counsel, for a practical conversation about how to align vision with siblings and/or spouses when there's lots of disagreement. Kevin brings years of experience helping farm owners and families sort through the financial intricacies and reach retirement confidently. Together, we explore misalignment between spouses' vision for retirement and transition timing, and the value of early planning and using tools for transition. We discuss the 3 key farm transition snapshot points; the difference between equal vs. fair inheritance; and the importance of family meetings, celebrations, and communication. Kevin also brings valuable insight into contingency planning and long-term care for aging farmers. If you or someone you know is struggling to find alignment with their farm spouse or siblings, this episode is for you. "It boils down to having those early [planning] conversations. None of us are going to be here forever, so how do we make sure that what we worked so hard for transfers to the next generation properly." - Kevin Hegedus, PWM Private Wealth Counsel Resources Mentioned During This Episode PWM Private Wealth website: https://www.pwmprivatewealth.com financial planning, retirement, and succession resources Money Sense Radio Show: https://www.pwmprivatewealth.com/radio weekly insights on planning, tax, and retirement About Our Guest Kevin Hegedus is the Founder and Managing Partner of PWM Private Wealth Counsel in Saskatchewan. A Certified Financial Planner and Registered Portfolio Manager, Kevin has more than 25 years of experience guiding families, business owners, and farm operators through complex financial decisions. He specializes in connecting investment, tax, and estate planning strategies to help clients achieve clarity and confidence. Kevin is also the long-time host of the Money Sense radio show and a regular speaker on topics such as retirement income planning, succession, and intergenerational wealth. Contact Kevin Visit PWM Private Wealth Counsel's Website Follow Kevin on LinkedIn Elaine Froese Resources: Watch this episode on YouTube. Visit the podcast website SPEAKING - book Elaine for your next event COACHING - explore Farm Transition Coaching MEMBERSHIP - become a Farm Family Transition Member FREE STUFF - downloadable tools for your farm transition CONTACT - take the next steps in your transition BURNING QUESTION? Submit it here Farm Family Coach Social Media Links Facebook Instagram LinkedIn X YouTube TikTok Timestamps 0:00:36 — Introduction & purpose of the podcast (alignment in farm family vision). 0:03:18 — Identity and challenges of farm business owners. 0:04:26 — Misalignment between spouses' vision for retirement and transition timing. 0:06:57 — Three key farm transition snapshot points: income streams, housing, fairness. 0:08:36 — Scenarios for retiree income and transition, selling equipment, rental of land. 0:12:58 — Financial transparency, farm women, and discovering hidden wealth. 0:13:49 — Managing sibling disagreement and succession, splitting the farm. 0:16:53 — Equal vs. fair inheritance, the role of insurance for fairness. 0:19:01 — The value of early planning and tools for transition. 0:21:26 — Building personal wealth, tax-free savings, and retirement income. 0:23:22 — Fee structure for financial advisors and value proposition. 0:25:08 — Historical reasons for tax avoidance mentality in farming. 0:27:25 — Income-splitting, tax strategies for retirement, the importance of financial planning. 0:29:57 — Income challenges for the next generation of farmers, debt options. 0:32:05 — Open family discussions for smoother transition and succession. 0:34:18 — The importance of family meetings, celebrations, and communication. 0:35:33 — Contingency planning for aging farmers and long-term care. 0:36:39 — Advocating for women's roles in planning and independence. 0:37:53 — The "poison pill" in farm succession and legal protections. 0:39:43 — Final advice: have open conversations about future planning, income, and fairness.

In this episode of ACEP Nowcast, host Amy Faith Ho, MD, MPH, FACEP, talks to Michael Granovsky, MD, CPC, FACEP, about the new and final physician fee schedule that takes effect January 1. More links: Read more on ACEPNow.com. Revisit ACEP Nowcast podcast episodes.  View job opportunities at emCareers.

4 Ways to Get HOA Docs Before You Close

Join Elevated GP: www.theelevatedgp.com Register for the live meeting: https://www.theelevatedgp.com/ElevationSummit Download the Injection Molding Guide: https://www.theelevatedgp.com/IMpdf  In Part 2 of this powerful series, Dr. Melissa Seibert continues her in-depth conversation with cosmetic dentist and AACD leader Dr. David Eshom, exploring the deeper psychological, business, and interpersonal frameworks that underpin a thriving fee-for-service practice. Together, they unpack the realities of transitioning away from insurance dependence, the emotional traps dentists fall into, and the communication strategies that safeguard both the patient relationship and the dentist's peace of mind. Dr. Eshom offers decades of wisdom on how to recognize patient readiness, how to present comprehensive treatment without triggering defensiveness, and how to gracefully identify patients who may not be ideal candidates for complex care. He shares the subtle behavioral cues that differentiate collaborative patients from those who may become litigious, overly exacting, or misaligned with your practice philosophy—and how to exit these relationships ethically and respectfully when needed. The episode also tackles some of the profession's most pressing realities: Why the insurance model forces dentists into ethical and financial corners How to communicate a fee-for-service structure without alienating patients The psychology behind presenting conditions and consequences—not pressure and sales Why slowing down for deeper exams ultimately accelerates practice growth How to block your schedule, restructure hygiene exams, and build time for meaningful conversations The importance of discernment: knowing when a patient is truly a "yes," when they're a "not now," and when they're a "no" Dr. Eshom also walks through his workflow for large aesthetic cases—from shade decisions to motivational mock-ups and trial smiles—while highlighting how these tools improve clarity, set expectations, and reduce risk for both patient and provider. The conversation concludes with a reflective discussion about building a freedom-based business, attracting aligned patients, and creating a practice model that delivers exceptional dentistry without compromising your wellbeing, your values, or your clinical standards. If you've ever wondered how to elevate your practice beyond the constraints of insurance, identify ideal patients, or cultivate a career defined by autonomy and fulfillment, this episode is a masterclass in sustainable, relationship-driven dentistry.

Learn how to determine what your veterinary services are worth so you can set fees that adequately cover your financial costs. Read the full article at https://equimanagement.com/business-development/financial/setting-rational-fees-for-veterinary-care/.Mentioned in this episode:EquiManagement on Audio All the articles you have come to love in EquiManagement Magazine are now available in this podcast for free. Each article is released as its own separate episode to make them quick and easy to listen to. EquiManagement always has the latest insights on equine health, veterinary practice management, and veterinarian wellness.

Todd Rosenbluth talks about how ETFs recorded a banner year in 2025, surpassing previous records and attracting substantial inflows across various categories. The approval for Invesco QQQ Trust (QQQ) to lower its fees and the emergence of ETF share classes are setting the stage for 2026. The rise of alternative and niche exposures, particularly in cryptocurrency ETFs, and options-based strategies.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Fee Greening, a dip pen and ink illustrator, is known for her experimental approach to art, rooted in medieval and Gothic design. Sitting down with Paddy, she reflects on the journey that shaped her distinctive style, from her youthful immersion in Gothic and grunge aesthetics while touring with her partner's band, to a return to the coast, where the rhythms of nature and the richness of traditional folklore began to leave their mark on her work.Recently, Fee brought her vision to life in her first illustrated book, A Dictionary of Fairies. She talks openly about how embracing creative freedom and prioritising self-expression over conventional “tastefulness” has developed her work in new and exciting ways.Learn about the colours featured in each episode hereSee the colours of Fee's life hereFollow Fee on Instagram hereFollow us on Instagram here Hosted on Acast. See acast.com/privacy for more information.

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Monday's show, we discuss current global events, including developments in Israel, Ukraine, Venezuela, and Australia with Marc Schulman, Founder and Publisher of HistoryCentral.com. We visit with American Institute for Economic Research Senior Editor Jon Miltimore about the recent and quick demise of the Ford 150 Lightening pickup truck. We also visit with author Jim McTague about the developing crisis of the lack of medical doctors in the U.S. We have terrific guests for tomorrow's show, including Florida State Senator Kathleen Passidomo, Maggie Anders from FEE.org, Boo Mortenson, and Linda Harden. Access this or past shows at your convenience on my web site, social media platforms or podcast platforms.

Shawn Ryan Show: Read the notes at at podcastnotes.org. Don't forget to subscribe for free to our newsletter, the top 10 ideas of the week, every Monday --------- Chase Hughes is a leading expert in human behavior analysis, influence, and persuasion, with over 20 years of experience as a U.S. Navy veteran. He developed groundbreaking programs like the "Behavior Pilot Program" for HUMINT, "CuePrime" for interrogation behavior analysis, and the "Pre-Violence Indicators Index" for detecting pre-attack behaviors. Author of the bestselling "The Ellipsis Manual: Analysis and Engineering of Human Behavior," Hughes consults for law enforcement, the military, Fortune 500 executives, and more. As a member of "The Behavior Panel" on YouTube, he educates on body language and deception detection. Internationally board-certified in clinical hypnotherapy, he advocates for ethical use of behavioral science in leadership, security, and personal development, drawing from his military background to create life-saving systems like "The Hostile Hospital" and "Tactical Psychology." Shawn Ryan Show Sponsors: Buy PSYOP Now - ⁠https://psyopshow.com⁠ Preorder Now - ⁠https://callofduty.com⁠ ⁠https://americanfinancing.net/srs⁠ NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-781-8900, for details about credit costs and terms. ⁠https://tryarmra.com/srs⁠ ⁠https://aura.com/srs⁠ ⁠https://betterhelp.com/srs⁠ This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. ⁠https://bunkr.life⁠ – USE CODE SRS Go to https://bunkr.life/SRS and use code “SRS” to get 25% off your family plan. ⁠https://shawnlikesgold.com⁠ ⁠https://hillsdale.edu/srs⁠ ⁠https://ketone.com/srs⁠ Visit https://ketone.com/srs for 30% OFF your subscription order. ⁠https://mypatriotsupply.com/srs⁠ ⁠https://patriotmobile.com/srs⁠ ⁠https://prizepicks.onelink.me/lmeo/srs⁠ ⁠https://ROKA.com⁠ – USE CODE SRS ⁠https://tractorsupply.com/hometownheroes⁠ ⁠https://ziprecruiter.com/srs⁠ ⁠https://gemini.com/srs⁠ Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This episode is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Chase Hughes Links: Website - https://chasehughes.com YT - https://www.youtube.com/@chasehughesofficial IG - https://www.instagram.com/chasehughesofficial FB - https://www.facebook.com/chasehughesofficial The Behavior Panel - https://www.youtube.com/c/TheBehaviorPanel Amazon Author Page - https://www.amazon.com/stores/Chase-Hughes/author/B06VW1H89K Learn more about your ad choices. Visit podcastchoices.com/adchoices

The show kicks off with talk of a Rams watch party and whether the team is truly legit this season. There’s also a local heads-up for Cerritos residents about rising sewage fees, along with practical advice on which bills you should never skip—spoiler: pay your water bill. Michael Monks joins in with his unique take on downtown LA, offering a darkly humorous “weathervane” observation from Skid Row that signals the arrival of winter. The conversation also touches on Burbank’s decision not to pursue litigation over Warner Bros.’ sale to Netflix. Conway then shares memories of his former partner Doug Steckler, including why Steckler despised New Year’s and a hilarious story involving the “Husky section” at Montgomery Ward—one of many classic Steckler moments. The episode wraps with Eric Lisardo’s special “Conway Christmas” segment featuring the signature “Dinga DONGA,” updates from Nick Reiner, and commentary from a defense lawyer weighing in on who hired attorney Alan Jackson. See omnystudio.com/listener for privacy information.

End chaos in your firm—300+ peers use this framework. Free video here: https://www.businessofarchitecture.com/framework Fees start everything in an architecture firm: the work you take, the team you pay, and the life you live. In this episode, Enoch Sears and Rion Willard cut through "competitive pricing" and show why fee stress is rarely about the number on your proposal. They point to what low-fee fear is really signaling—and why it's hard to fix later. You'll hear how sales and marketing shape fees more than most architects admit, and why confidence is built from real inputs, not hype. They also preview an updated industry fee report and how you can use it to see your fees in context. It may change how you price next job. The hidden reason "I might lose this job" shows up right before you quote. The blind spot that makes smart architects think they can sell. The profit clue that warns something deeper is off—before you crash. Contribute your data and get access to the updated Architectural Fee Report at https://businessofarchitecture.com/fees

Building a new home in the Sacramento region is getting more expensive—and not just because of materials and labor. According to a new report, local government fees now average $109,000 per home, adding major pressure to housing affordability.

Tune in live every weekday Monday through Friday from 9:00 AM Eastern to 10:15 AM.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy our NFT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DISCLAIMER: The views shared on this show are the hosts' opinions only and should not be taken as financial advice. This content is for entertainment and informational purposes.

Naylor sat down with the co-founders of Paymxnts, where they explained how their credit card payment platform pays you the same day with no fees to pay... And that's just the begining! This episode will make you think differently about accepting credit card payments. https://www.instagram.com/PaymXnts1 https://www.youtube.com/@BobbyandClaysBucketsofMoney https://www.paymxnts.com/ Thanks for Listening! CONTACT ME: lawncarerookie@gmail.com PODCAST SPONSOR: Click here for Toro Fleet Promo! Click here for Horizon360 Promo! Click here for Toro Mowers Promo! EQUIPMENT: Here's the mic recorder that I use for Truck Talks ReMarkable Tablet... for planning, note taking, and giving presentations! Check out Riverside... What I use for recording video and audio! RESOURCES: 2025 LCR Summit Replay The Profit Accelerator Challenge How To Avoid Burnout- FREE Masterclass Proper Watering Templates Route Density System Download the 5 Costly Mistakes In Business Here! *THANK YOU TO THE TORO COMPANY FOR SPONSORING THE LCR MEDIA PODCAST!  

Coinbase (COIN) outlined a roadmap that included equity trading, AI-powered tools, tokenization and stablecoin infrastructure in its end-of-year System Update.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 intro00:06 Sponsor: Tangem00:46 Robinhood Event01:03 Coinbase Launches Stocks01:35 Coinbase Fees02:16 xStocks02:44 Coinbase Prediction Markets03:14 Coinbase Advisor A.I.04:00 Why Didn't Coinbase Use Virtuals?04:36 Virtuals Revenue Growing05:18 Coinbase Wants Virtuals Revenue06:23 Solana vs Base Drama06:40 Coinbase Pretends To Care About Solana07:13 Coinbase raises Solana Fees07:48 BASE App Finally Launches08:17 BASE Social Not Taking Off?09:34 Creator Tokens Dead?10:09 Coinbase Business Products10:46 Global Dollar Network vs Coinbase11:40 CNBC Not Impressed?12:44 Ripple Business Products13:41 Robinhood vs Coinbase14:30 outro#Crypto #Bitcoin #Ethereum~Coinbase Launches Stocks and More!

Join us on #texasvaluesreport with special guest Senator Mayes Middleton, State Senator, District 11, and host Jonathan Saenz, President & Attorney for Texas Values as they discuss the Texas Women's Privacy Act. Follow Senator Mayes Middleton on X http://x.com/mayes_middleton To learn more about Texas Women's Privacy Act, visit http://protectwomensprivacytexas.com. Breaking! Arlington Voted Against Reinstating LGBT Ordinance 5-4 https://txvalues.org/breaking-arlington-voted-against-reinstating-lgbt-ordinance-5-4/ Yes, It's Really Happening!! City governments are beginning to comply with the rule of law! https://txvalues.org/yes-its-really-happening/ Remember, It's OK to Say MERRY CHRISTMAS!! https://txvalues.org/remember-its-ok-to-say-merry-christmas/ Learn more about the Merry Christmas Law https://merrychristmastexas.com Help us build our channel so we can maintain a culture of Faith, Family, & Freedom in Texas by interacting with us; like, comment, share, subscribe! For more about Texas Values see: Txvalues.org To support our work, go to donate.txvalues.org/GivetoTexasValues

Welcome back, Neighbors, to the Mighty VC Points blog, where we explore the latest updates and insights into the world of Disney Vacation Club (DVC) with a spotlight on the resale market, significant industry updates, and essential tips for buyers and sellers. Our recent podcast episode featured a lively conversation between Chad and Andy Berry, covering key developments as we approach the end of the year. Episode 370

From chief marketing officer at the first internet bank to building the leading annuity platform for RIAs, David Lau shares proven strategies for raising capital, navigating public company challenges, and why converting commission-based revenue to fee-based can multiply your exit value by five times. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with David Lau, founder and CEO of DPL Financial Partners, who has raised over $500 million across multiple ventures and built DPL into a platform serving more than 10,000 advisors at over 3,500 RIA firms. WHAT YOU'LL LEARN: In this episode, you'll discover why organic growth matters far more than market growth when acquirers evaluate your business, how converting commission-based annuity business to fee-based can multiply both your revenue and your exit multiple, the real tradeoffs of taking institutional capital and signing up for aggressive growth, the critical difference between venture capitalist optimism and private equity scrutiny, and how recognizing when your business has "run its course" can open the door to building something bigger. DAVID'S JOURNEY: David's career began as chief marketing officer of Telebank, the first internet bank, where he helped raise over $500 million. When preparing to go public, the stock jumped from $17 to $150 in weeks before Goldman Sachs stabilized pricing at $105. He later built Jefferson National, an insurance carrier he sold to Nationwide. That experience taught him the valuable part was distribution, not the capital-intensive balance sheet, leading directly to founding DPL in 2018. KEY INSIGHTS: A billionaire David met admitted he "mistook a bull market for brilliance." Acquirers only pay premium multiples for organic growth. If you did nothing different over the last decade as an RIA, you're making twice as much just from market performance. Buyers know this. Converting from commission to fee-based transforms exit potential with three times the revenue and five times the multiple, while expanding your buyer pool. DPL's technology reviews 2,500 policies per hour, and a significant portion of DPL's $4 billion in annuity sales were M&A related. When launching DPL, David planned to bootstrap until meeting Todd Boehly. Taking institutional capital means signing up for aggressive growth where some team members won't make it to the next stage. Venture capitalists are optimists who see your vision. Private equity investors see everything that can go wrong. Perfect for RIA owners considering M&A, hybrid advisors evaluating fee-based transitions, and entrepreneurs weighing capital raising decisions. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/davidlau FOR MORE ON DAVID LAU: https://www.dplfp.com https://www.linkedin.com/in/david-lau-b6449b7/ https://x.com/dpl_fp FOR MORE ON COREY KUPFER: https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction: David Lau's journey to building DPL Financial Partners [04:00] - Capital raising at Telebank: $500 million raised, stock jumping from $17 to $150 [08:00] - The tradeoffs of taking institutional capital and signing up for aggressive growth [12:00] - Venture capitalists as optimists versus private equity investors who see downside [16:00] - Why choosing the right capital partners matters more than just getting funded [20:00] - How DPL solved the RIA insurance problem with commission-free products [24:00] - Converting to fee-based: Three times the revenue and five times the multiple [28:00] - Why organic growth matters more than market growth in valuations [33:00] - The future of RIA consolidation and when to sell a business [40:00] - Freedom: Working with Russian defectors and gaining perspective Guest Bio David Lau is founder and CEO of DPL Financial Partners, the leading annuity platform for RIAs. Since 2018, DPL has worked with 20 insurance carriers and built an advisor base of more than 10,000 advisors from over 3,500 RIA firms. Before founding DPL, David was COO of Jefferson National, which he helped build and sell to Nationwide. Earlier, he served as chief marketing officer at Telebank, the first internet bank, where he helped raise over $500 million. His work has been covered in The Wall Street Journal, The New York Times, Barron's, and CNBC. DPL is backed by Todd Boehly's Eldridge and Bob Diamond's Atlas Merchant Capital. Host Bio Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes Episode 350 - When NOT to Take Venture Capital with Tom Dillon: Explore alternative funding sources when traditional VC doesn't fit your exit strategy. Episode 339 - Next-Gen Leadership and M&A: Why G2 Matters: Understand why developing Generation 2 leadership commands premium valuations. Episode 209 - M&A Talk with Leading RIA Aggregators and Integrators: Bob Oros of Hightower Advisors: Explore what aggregators look for in acquisition targets. Social Media Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow David Lau: LinkedIn: https://www.linkedin.com/in/david-lau-b6449b7/ Company: https://www.dplfp.com Twitter/X: https://x.com/dpl_fp Keywords/Tags s RIA M&A, capital raising, fee-based revenue, commission-free annuities, DPL Financial Partners, organic growth, enterprise value, hybrid advisor transition, RIA consolidation, private equity, venture capital, going public, IPO, exit strategy, insurance for RIAs, annuity platform, wealth management M&A, financial services, startup funding, institutional capital, valuation multiples, deal structures, business growth strategies, dealmaking

Compounding Project Podcast – Episode 36In Episode 36 of The Compounding Project Podcast, legendary investing educator Paul Merriman shares timeless insights on long-term investing, the power of compounding, and how everyday investors can build lasting wealth.Paul explains why starting early is one of the most important financial decisions you can make, how compound growth works quietly over decades, and why low-cost index funds remain the foundation of successful investing strategies.This episode dives deep into portfolio diversification, the hidden impact of investment fees, and the role of small-cap value investing in improving long-term returns. Paul also offers practical, evidence-based guidance for young investors, parents, late starters, and anyone seeking financial independence through disciplined investing.Whether you're new to investing or refining an existing portfolio, this conversation delivers actionable lessons on building wealth the smart way.Starting early and staying consistent matters more than market timing or stock picking.Low-cost index funds and diversification are the most reliable tools for long-term wealth building.Small-cap value investing and minimizing fees can significantly increase lifetime investment returns.Your Money and Your BrainThe Psychology of MoneyThinking, Fast & SlowSpending Your Way to WealthWatch the full episode for expert insights on investing, compounding, and financial freedom.Follow Paul Merriman On Social Media: ⤵︎

Developers of affordable rental housing using low-income housing tax credits (LIHTCs) want to know what they can include in eligible basis calculations. In the latest installment in the "So You Want to Be a LIHTC Developer" series of the Tax Credit Tuesday podcast, Michael Novogradac, CPA, and Novogradac partner Christina Apostolidis, CPA, discuss three issues around eligible basis. First, they discuss the treatment of community service areas in the calculation for eligible basis. Next, Novogradac and Apostolidis cover enhancements made that are not physically part of the main development site, better known as off-site improvements. Finally, the pair discuss the issues around impact fees.'

 “Would You Survive an FBI Background Check? Real ID Drama, Fruitcake Songs & Holiday Surprises!” Episode Description

Hear how 2025 money news hit your wallet and whether your travel cards are really pulling their weight. How did 2025's biggest money stories actually affect your wallet? How can you decide if your pricey travel credit cards are still worth it? Hosts Sean Pyles and Elizabeth Ayoola recap the year in finance news to help you understand what the stories mean for your budget, savings, and plans for 2026. They unpack top news items including tariff-driven uncertainty, a brief but historic stock market crash and subsequent rebound, stubborn home prices, softening rents, and a late-year run of Fed rate cuts. Then they provide tips and tricks on staying focused on long-term investing despite volatility, using rewards cards and store programs to fight higher grocery bills, weighing renting vs. buying when housing costs are sky-high, and making sure your cash is still earning a competitive yield as high-yield savings rates drift down. Then, Smart Travel podcast hosts Meghan Coyle and Sally French give Elizabeth a live “credit card consult” on her stack of high-fee travel cards. They discuss how to tally up annual fees versus statement credits and perks, decide when lounge access really justifies keeping a premium card, identify weak-link airline cards that no longer match your home airport, and choose when to downgrade instead of cancel. They also dig into using grocery cards strategically, avoiding overpaying just to chase credits at specific merchants, managing the mental load of multiple “coupon book” benefits, and building a simple system to track expiring credits so your wallet — and not the card issuers — captures the most value. Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: American Express Blue Cash Preferred Review: The Ultimate Family Card  American Express Platinum Review: Top-Notch Lounge Access, Big Credits  Chase Sapphire Reserve Review: A High-End, High-Maintenance Card  Citi AAdvantage Platinum Card Review: Worth the Fee for Airline Loyalists  Citi AAdvantage Executive Review: Your Key to the Club   AmEx Blue Cash Everyday Review: Solid Cash Back, $0 Annual Fee  5 Things to Know About the T.J. Maxx Credit Card  Follow Smart Travel on your favorite podcast app: https://play.megaphone.fm/l-7v0exnsxc-kc8kejdruq  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

We're wrapping up 2025 with a loaded DVC News Update you won't want to miss!In this episode of The DVC Show, we break down the newly announced 2026 Disney Vacation Club Annual Dues, take a look at the $500 resale administration fee shaking up the resale market, and preview what to expect from this year's DVC Condo Association meetings. We also take a victory lap on something we predicted — rotating characters at the DVC Member Lounge in EPCOT! Plus, we're looking ahead to what's coming in 2026 to Walt Disney World and beyond.Grab your DVC cup of coffee and join us for the latest news every member needs to know before the new year!Articles we discussed:

Las Vegas Venues, California Rail, and Disney's AI Investment: Colleague Jeff Bliss reports that Las Vegas's Allegiant Stadium is now a top-grossing venue while many resorts are dropping unpopular fees, discussing California's new rail line to Anaheim, mismanagement of the Pacific Palisades fire, and high gas prices, additionally covering Disney's investment in OpenAI and its new luxury community, Cotino. 1958

Today's blockchain and cryptocurrency news  Bitcoin is down slightly at $90,406 Ethereum is up slightly at $3,116 And BNB up slightly at $892 Tether makes all-cash bid for Exor's Juventus stake Firedancer hits Solana Mainnet DeFi advocates fire back at Citadel Fogo will airdrop instead of holding token pre-sale ###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 1854 - brought to you by our incredible sponsors: True Classic - Upgrade your wardrobe and save on @trueclassic at trueclassic.com/hardfactor #trueclassicpod RIDGE - Take advantage of Ridge's Biggest Sale of the Year and GET UP TO 47% Off by going to ⁠https://www.Ridge.com/HARDFACTOR⁠ #Ridgepod DaftKings - Download the DraftKings Casino app, sign up with code HARDFACTOR, and spin your favorite slots! The Crown is Yours - Gambling problem? Call one eight hundred GAMBLER Timestamps: 00:00:00 Story teases 00:04:04 What happened in 1854 00:06:21 Belarusian smuggler finally extradited to US to face trial immediately arrested by ICE for deportation 00:13:44 38% of Stanford students and other ivy league schools claim a learning disability 00:21:19 Royal Caribbean passenger, 33 years old, who died was served 33 drinks day of death 00:30:08 San Fran woman gives birth in Waymo 00:36:15 Australian social media ban Thank you for listening!! Go to patreon.com/hardfactor to join our community, get access to bonus pods, discord chat, and trivia with the hosts on Friday 12/12 - but most importantly: HAGFD Learn more about your ad choices. Visit megaphone.fm/adchoices